The speaker summarizes the key points discussed at the Microfinance Policymakers Forum. Three pillars are important for effective consumer protection and responsible finance: 1) consumer capability including financial literacy and healthy financial behaviors, 2) regulation through policies that promote sector growth while protecting consumers, and 3) self-regulation by the financial industry. Different countries have taken various approaches to consumer protection showing there is no one-size-fits-all solution, but successful approaches focus on transparency, fair treatment, effective recourse and financial literacy while responding to the national context. Implementation and assessing impact will be important going forward to continue developing inclusive financial systems.
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"Perspectives and opportunities in the Peruvian financial sector"EY Perú
Artículo publicado por Jorge Acosta, Socio Líder de Consultoría de EY Perú, en el "Global Banking & Financial Policy Review 2015/2016" del IFLR (International Financial Law Review)
Gay Marriage Should Be Legalized Essay.pdfEvelin Santos
Gay marriage should be legal - GCSE English - Marked by Teachers.com. Should Gay Marriage Be Legalized? - GRIN. Gay Marriage - Should Homosexual Marriages Be Recognized Legally At .... In Gay Marriage Debate, Both Supporters and Opponents See Legal .... Gay Marriage - GCSE Miscellaneous - Marked by Teachers.com. Gay marriages should be made legal - Do you agree or disagree? Discuss .... How should court rule on gay marriage? #tellusatoday. Why support for gay marriage has risen so quickly - The Washington Post. ≫ Lesbian and Gay Rights and Discrimination of Homosexuals Free Essay .... Sociology Archives - Page 10 of 41 - Yourhomeworksolutions. Against nature: How arguments about the naturalness of marriage .... Judge: Fla. must honor other states' gay marriages. Gay Marriage Around the World | Pew Research Center. Growing Support for Gay Marriage: Changed Minds and Changing .... Gay Marriage Should Be Legalized Essay Example | Topics and Well .... Essay Gay Marriage | Same Sex Marriage | Homosexuality. What Will Happen If Gay Marriage
"Perspectives and opportunities in the Peruvian financial sector"EY Perú
Artículo publicado por Jorge Acosta, Socio Líder de Consultoría de EY Perú, en el "Global Banking & Financial Policy Review 2015/2016" del IFLR (International Financial Law Review)
Gay Marriage Should Be Legalized Essay.pdfEvelin Santos
Gay marriage should be legal - GCSE English - Marked by Teachers.com. Should Gay Marriage Be Legalized? - GRIN. Gay Marriage - Should Homosexual Marriages Be Recognized Legally At .... In Gay Marriage Debate, Both Supporters and Opponents See Legal .... Gay Marriage - GCSE Miscellaneous - Marked by Teachers.com. Gay marriages should be made legal - Do you agree or disagree? Discuss .... How should court rule on gay marriage? #tellusatoday. Why support for gay marriage has risen so quickly - The Washington Post. ≫ Lesbian and Gay Rights and Discrimination of Homosexuals Free Essay .... Sociology Archives - Page 10 of 41 - Yourhomeworksolutions. Against nature: How arguments about the naturalness of marriage .... Judge: Fla. must honor other states' gay marriages. Gay Marriage Around the World | Pew Research Center. Growing Support for Gay Marriage: Changed Minds and Changing .... Gay Marriage Should Be Legalized Essay Example | Topics and Well .... Essay Gay Marriage | Same Sex Marriage | Homosexuality. What Will Happen If Gay Marriage
The Crucial Role of Consumer Education in Preventing Delinquency for Debt Col...Cedar Financial
Explore the significant impact of consumer education on preventing delinquency in the realm of debt collection agencies in California. This insightful PDF delves into the strategies, importance, and benefits of fostering financial literacy and responsible debt management among consumers. Discover how informed consumers contribute to a healthier debt landscape and learn actionable steps for debt collection agencies to proactively engage in consumer education. Download this resource to stay ahead in the evolving landscape of debt recovery in California by prioritizing consumer empowerment and education.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
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Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
1. SECOND MICROFINANCE POLICYMAKERS FORUM
05 Apr 2011
Good evening Governor Dr. Aziz, distinguished guests, ladies and gentlemen.
I am pleased that technology is allowing me to join you. I would have liked to be with you in person, of course. I
understand that already you have had a rich conversation today and I look forward to hearing more about what
you have been discussing. I would like to praise Governor Dr. Aziz's leadership on the issue of financial inclusion.
The issues you are discussing are so important. Consumer protection and responsible finance are inherent parts
of a good, sustainable financial system. Today we are focused on action by regulators. In fact, effective
consumer protection and responsible finance rest on three pillars. They demand action by consumers, by
industry, as well as by governments.
The first pillar is the ability of consumers to understand choices, products and rights - in other words, consumer
capability. This includes financial literacy, but it is more than that. Consumers not only need to grasp the
principles of financial products (interest rates, principal, clauses, etc.), but they also need to develop good healthy
financial behavior (such as budgeting, saving habits, comparing offers, etc.). This all is best achieved when
service providers and governments facilitate it, and when clients actively pursue it.
The second pillar is regulation. Countries including Peru and Malaysia and others present today have shown us
how policies can promote the sustainable growth of the financial sector while also protecting the consumer.
The third pillar is what we call self-regulation by industry. It can take many forms. Some, like the Smart
Campaign, provide practical guidance on delivery of services. Others seek voluntary participation by MFIs and
banks in pricing and transparency reviews. But this is mainly geared to the practitioners. There is another level of
self-regulation that is necessary to have full effect from it. And that is investors.
I am very happy to have been part of the launching of the Principles for Investors in Inclusive Finance, together
with public and private sector partners. With the growing participation of both practitioners and investors to this
type of initiatives, it will be easier for financial institutions to pursue balanced growth bearing in mind not only
value creation for shareholders but also for the life improvement of consumers. And finding this balance ladies
and gentlemen, is extremely important.
So, I think we can all agree that action by consumers and industry is needed. And then when talking about
policymakers, the question for us is how can they most effectively promote consumer protection? Your
experiences illustrate that there is no one-size fits all approach.
Successful approaches do share several elements. We know that it is important to focus on key goals. These
include transparency in pricing, fair treatment, effective recourse and financial literacy. And we know that
successful approaches respond to the national context and priorities. And, we also see how valuable it can be for
policymakers to work together with industry and consumers.
What do I mean? Let me begin with my home country, the Netherlands. Financial literacy is a big priority for us.
We've learned that many people, especially youth, struggle to understand and manage finances. A third of our
youth under 18 show risky behavior, such as gambling and having debts. I regularly talk to 18 or 19 year olds
who have debts of thousands of euros. This gives them a very bad start to their careers and family life.
For several years, we've been working very hard to address this. In 2006, the Ministry of Finance legally initiated
a platform called 'CentiQ, Wiser in Money Matters'. This brings together more than 40 organizations from the
financial, social and education sectors, as well as government, public information and consumer rights groups.
They have joined forces to make consumers money wise and build financial literacy. I accepted the role as
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2. Honorary Chair of CentiQ, because this matter is so important for our future.
As part of our efforts, we have to consider regulation. And we think about how other kinds of policy and
government leadership can contribute to consumer protection. Just to cite an example out of many, and I know
someone from CentiQ is with you in Kuala Lumpur today, we have started in the Netherlands a National Money
Week to make sure that children learn about finances in the classroom. Partnerships of this kind (ministry of
finance and education) are so important in this.
But also other countries have shown leadership in this area. In Peru, for example, the Superintendency gathers
interest rates and prices on all loans and publishes them in newspapers. Now this is also being done for savings.
This approach has helped consumers make more informed choices. And it has also spurred competition. As a
result, there has been a marked decline in loan interest rates over fifteen years.
In Malaysia, Bank Negara, as you've heard, also takes a market approach. It allows banks to impose charges in
accordance with general principles, and mandates disclosure. But Bank Negara reserves the right to moderate
charges deemed to be excessive.
So you see, different approaches, but equally effective. You have heard today many other examples. I think we
can all be inspired and learn from them. Still we also must recognize that there are still challenges and
unanswered questions.
For example, on the implementation front, what do we do if supervisory capacity is still growing? How can one
work with partners to strengthen oversight? Or how to help financial institutions understand those rules and
implement them? Would it be useful to conduct trainings, or seminars as new regulations are introduced? Are
formulas widely available? Is data available to the general public and to consumer protection groups?
Another issue is how consumer protection for financial issues relates to overall consumer protection issues, and
overall financial system supervision. Where should we place responsibility for prudential regulation versus market
conduct oversight? These can be in the same authority or allocated to different authorities. Similarly, a supervisor
can have cross-sector mandates, or different authorities could regulate depending on the services they offer.
What we often see is a mixture of approaches. According to CGAP, almost 50 countries have both a general
cross-market consumer protection law that refers to financial services, and a consumer protection chapter within
the financial sector legal framework. Of course there could be overlap between them. In all cases, clear
coordination, information exchange and lines of jurisdiction are so important. Otherwise, the complexity and
overlap can become a barrier.
Now in other cases, there may be no general consumer protection law. In this case, financial sector regulatory
agencies have used existing laws and authority to address transparency, fair treatment and recourse. And thus
improved consumer protection. Cambodia and Kenya - I understand you have heard about those countries today
- illustrate this approach.
Whatever situation we are in, implementation will be key. But also, one has to assess whether these measures
have the desired impact.
The Central Bank in The Philippines, for example, is moving forward with improved transparency regime for
non-banks through more effective disclosure. At the same time, it is testing what works and what doesn't with
lower-income and less literate consumers. This is key. Only by hearing directly from low-income and the most
vulnerable consumers, will we identify the kinds of solutions that protect the clients who need it most.
So, ladies and gentlemen, I will conclude by stressing that financial inclusion shows tremendous promise in
improving lives around the world. Like many things that are relatively new, the sector still requires some
nurturing. This means proper regulation and supervision to enable financial literacy, transparency and recourse -
and effective consumer protection. It means working in partnership with industry and clients. And piloting new
approaches. It means that we need to do more, not less, to continue to develop and grow inclusive financial
2 / 3
3. systems.
I look forward to hearing your views on the most effective ways to achieve this.
Thank you.
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