...Institutions in Promoting Savings CHAPTER ONE INTRODUCTION 1. Overview The chapter will constitute Background of the study, statement of the problem, objectives of the study, research questions, significance of the study, scope of the study, limitations of the study and conceptual frame-work of the study. 2. Background to the study The micro finance business embraced today arose in Bangladesh in 1976 with the founding of the Grameen Bank. It became popular in the 1980s s a response to doubts and research findings about a state delivery of subsidized credit to the poor farmers. According to Ledgerwood (2001), prior the 1980s government agencies were the predominant avenue for providing productive credit to those with no previous access to credit facilities. Their services had and still have limited access, because they need collateral as a requirement for getting a loan and the transaction costs are so high. Governments and international donors assumed that the poor required cheap credit and saw this as a way of promoting agricultural production by small landholders. Since the 1980s the fields of Micro finance (MF) has grown substantially. Donors actively support and encourage micro finance activities focusing on micro finance institutions (MFIs) that are committed to achieving substantial outreach and financial sustainability. In Uganda, the health of the financial sector has been impaired by political and social turmoil. It was indicated that the troubles...
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...GEO 210 – CULTURAL GEOGRAPHY – 40H “People & the Land: Introduction to Cultural Geography” TNCC – FALL 2012 Instructor: Larry Snider – Phone: (757) 850-4912 E-mail: sniderl@tncc.edu (school); Skimmerva@aol.com (home) Office Hours: 4:30-5:30 p.m. M (Rm 947 Templin Hall), 6-7 p.m. T (Rm 131A Diggs Hall), 5:00-5:30 p.m. W (Rm 947 Templin Hall) and by appointment INTRODUCTION COURSE DESCRIPTION: (from VCCS Master Course file): Focuses on the relationship between culture and geography. Presents a survey of modern demographics, landscape modification, material and non-material culture, language, race and ethnicity, religion, politics, and economic activities. Introduces the student to types and uses of maps. COURSE CONTENT: Cultural geography entails the study of spatial variations among cultural groups and the spatial functioning of society. The course provides an introduction to the manner in which humans have modified the world, emphasizing patterns of migration, livelihoods of man, and environments in which these modifications have taken place and continue to occur. It focuses on describing and analyzing the ways population, religion, language, ethnicity and race, political factors, economy, agriculture, industry, the urban setting, and other cultural phenomena vary or remain constant from one place to another. The framework of geographic location of significant countries, regions, and physical features is also addressed in order to provide the necessary...
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...kinds of bread but baguette is the most popular. They also like truffles; a black, warty fungus that grow in the roots of oak and hazelnut trees. Truffles are really expensive and they use trained pigs to find them. The study compares these two countries France and Kenya within the setting of International Management practices. Comparing and Contrasting France Verses Kenya Kenya is located in East Africa and borders Somalia to the northeast, Ethiopia to the north, Sudan to the northwest, Uganda to the west, Tanzania to the south, and the Indian Ocean to the east. The country straddles the equator, covering a total of 224,961 square miles (582,600 square kilometers; roughly twice the size of the state of Nevada). Kenya has wide white-sand beaches on the coast. Inland plains cover three-quarters of the country; they are mostly bush, covered in underbrush. In the west are the highlands where the altitude rises from three thousand to ten thousand feet. Nairobi, Kenya's largest city and capital, is located in the central highlands. The highest point, at 17,058 feet (5,200 meters), is Mount Kenya. Kenya shares Lake Victoria, the largest lake in Africa and the main source of the Nile River, with Tanzania and Uganda. Another significant feature of Kenyan geography is the Great Rift Valley, the wide, steep canyon that cuts through the highlands. Kenya is also home to some of the world's most...
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...al., 2000). Sen (1999) defines poverty as lack of freedom while another dimension view it as interlinked forms of deprivation in the economic, human, political, sociocultural and protective spheres (OECD, 2006).This essay discusses the issue of poverty in Africa from colonial period to present day. The paper also analyses the causes of poverty since colonial era, the poverty alleviation strategies adopted to deal with poverty and propose possible solutions for poverty alleviation. A plethora of case studies will be drawn from several countries to substantiate the claims and insights provides in this paper. 2.0 Poverty, colonialism and Colonial Legacy Poverty is attributed to colonial legacy and how colonial rule marginalized the Africans in economic participation. In Africa, poverty is attributed to the economic activities of the colonial masters which exploited labour, natural resources and expropriated the continent while there was little plough back to citizen nations. A classical study by (Rodney, 1972) “How Europe Underdeveloped...
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...UNCTAD/OSG/DP/132 THE CAUSES OF FINANCIAL DISTRESS IN LOCAL BANKS IN AFRICA AND IMPLICATIONS FOR PRUDENTIAL POLICY Martin Brownbridge No. 132 March 1998 The author thanks Samuel Gayi, Andrew Cornford, Richard Harrington, Charles Harvey and Saqib Jafarey for valuable comments, but accepts sole responsibility for all errors and the views expressed in the paper. UNCTAD/OSG/DP/132 - ii - The opinions expressed in this paper are those of the author and do not necessarily reflect the views of UNCTAD. The designations and terminology employed are also those of the author. UNCTAD Discussion Papers are read anonymously by at least one referee, whose comments are taken into account before publication. Comments on this paper are invited and should be addressed to the author, c/o Editorial Assistant*, Macroeconomic and Development Policies, GDS, United Nations Conference on Trade and Development (UNCTAD), Palais des Nations, CH-1211 Geneva 10, Switzerland. Copies of the UNCTAD Review, Discussion Papers and Reprint Series may also be obtained from this address. New Discussion Papers are available on the web site at: http://www.unicc.org/unctad/en/pressref/prdis.htm * Tel. 022-907.5733; Fax 907.0274; E.mail: nicole.winch@ unctad.org JEL classification: G280 - iii - CONTENTS Chapter Page INTRODUCTION I. II. III. GROWTH AND CHARACTERISTICS OF LOCAL BANKS IN AFRICA MORAL HAZARD, ADVERSE SELECTION AND FINANCIAL FRAGILITY THE CAUSES OF FINANCIAL DISTRESS...
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...An author of many books and articles on sociolinguistics and dialectology, he has carried out linguistic fieldwork in most countries. Book description This is a classic book on a fascinating subject. Peter Trudgill examines the close link between language and society and the many factors that influence the way we speak. These range from gender, environment, age, race, class, region and politics. Trudgill's book surveys languages and societies from all over the world drawing on examples from Afrikaans to Yiddish. He has added a fascinating chapter on the development of a language as a result of a non-native speaker's use of it. Compelling and authoritative, this new edition of a bestselling book is set to redraw the boundaries of the study of sociolinguistics. Introduction The way we talk is deeply influenced by our class, sex and ethnic background. It can also have a profound effect on how we are perceived by others. In this fully updated edition of a classic text, Peter Trudgill explores the evidence – and the huge implications for social and educational policy. Why do men swear more than women? How do speech styles of most Black Americans, and whites growing up in „Black areas“, differ from those of other whites? Does it make sense to defend a language against „contamination“ from foreign words and phrases? Why are langauges dying out at a catastrophic rate and what can we do about it?...
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...OLDSTONE & GREEN CORPORATE PRESENTATION INTELLIGENCE INSIGHT FACT INVESTIGATION DISCRETION AFRICA FOCUSED 2 LocalKnowledge www.oldstoneandgreen.com ABOUT US 3 Oldstone & Green Limited (“O & G”) is a Nigeria based independent Geopolitical Risk Consultancy, Research and Advisory firm, servicing an international client base and providing ¨ ¨ ¨ ¨ Our Ethos ¨ Insight ¨ Fact ¨ Investigation ¨ Discretion ¨ Intelligence Why Us? Our strong industry expertise, research knowhow and keen local knowledge of business, politics and markets makes us the preferred firm for organisations seeking to understand, compete and grow in Sub-Saharan Africa, with particular focus on Nigeria. O & G maximizes its exclusive relationship with well-placed, high profile political, diplomatic, business and economic contacts to deliver intelligent, informed and reliable facts, faster and better using our robust sources in major corporate establishments and government ministries, agencies, commissions and parestatals in Nigeria. www.oldstoneandgreen.com Geopolitical Risk Analysis Due Diligence Influence and Relationship Mapping Market Entry and Intelligence We are subcontractors to major London and US based risk consultancies and our clients include, global financial institutions, law firms, oil, gas and extractive companies, manufacturers, power and energy providers, retail and professional service firms and high-net-worth individuals. AFRICA FOCUSED 4 LocalKnowledge ...
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...William and Mary Law Review Volume 49 | Issue 4 Article 16 Constitution Writing in Post-conflict Settings: An Overview Jennifer Widner Repository Citation Jennifer Widner, Constitution Writing in Post-conflict Settings: An Overview, 49 Wm. & Mary L. Rev. 1513 (2008), http://scholarship.law.wm.edu/wmlr/vol49/iss4/16 Copyright c 2008 by the authors. This article is brought to you by the William & Mary Law School Scholarship Repository. http://scholarship.law.wm.edu/wmlr CONSTITUTION WRITING IN POST-CONFLICT SETTINGS: AN OVERVIEWt JENNIFER WIDNER* During the past forty years, over 200 new constitutions have emerged in countries at risk of internal violence. Internationally brokered peace accords have entailed the development of constitutions not only in the Balkans but also in Cambodia, Lebanon, East Timor, Rwanda, Chad, Mozambique, Bougainville-Papua New Guinea, Nepal, the Comoros, and other places.' New constitutions have heralded the adoption of multiparty systems from Albania to Zambia. 2 Policymakers have started to ask what we have learned and specifically whether some constitutional reform processes are more likely than others to deliver a reduction in violence or more rights-respecting fundamental documents. For example, over the past decade, the Commonwealth, the U.S. Institute of Peace, and t This Article draws in part on WIDER Research Paper 2005/51 and is published with the kind permission of the UNU-WIDER. * Professor of Politics and International Affairs, Princeton...
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...The Potentialities and Sustainability of Export Processing Zones in a Competitve Environment in an Integrated Economy:Evidence from Tanzania By Joseph S.Kiria Introduction and Background Proposed research is literally about potentiality of Export Processing Zones (EPZs) in achieving strategic objectives envisaged in the national vision development objectives in Tanzania. Study explores the potentiality and sustainability of EPZ as a development strategy in the context of linkage with Foreign Direct Investment (FDI) and its benefits in a competitive environment. An understanding of this subject is important for at least four reasons.Firstly, government spends part of its limited budget through fiscal incentives to subsidize EPZs. This is a revenue loss to the governemnt, and such budgetary impact have implications on other government development programmes. Secondly, though EPZs strategy may look impressive, it may be constrained by the level of competiton created by liberalization, therefore, identifying challenges and limitations facing the regime in the competitive environment encouraged by free trade regime is important to enhance its sustainability.Thirdly, there is evidence elsewhere that it is mainly cheap labour and excellent infrastructure but not fiscal incenntives that attract export-oriented FDI.A proof will provide a lesson and new experince in the context of this study.Lastly, Tanzania experience on EPZ has not been explored enough partly due to the newness...
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...united nations development programme poverty reduction Regional integRation and Human development: a patHway foR afRica Regional integration and Human development: a pathway for africa april 2011 copyright © april 2011 united nations development programme Bureau for development policy 304 East 45th Street new york, ny 10017 u.S.A. E-mail: poverty.reduction@undp.org Website: www.undp.org/poverty disclaimer the views expressed in this publication are those of the authors and do not necessarily representthose of the united nations, including undp, or their Member States. taBle of contents Content Page 2 3 7 9 9 9 12 13 14 14 15 15 18 20 24 25 27 27 31 31 31 36 36 38 38 41 43 46 48 48 49 53 55 57 59 60 63 68 84 List of Acronyms and Abbreviations Executive Summary Introduction 1. regional economic integration and human development 1.1. conceptual linkages 1.1.1 Income 1.1.2 Access to services 1.1.3 Empowerment 1.1.4 Sustainability 1.2. contextual factors 2. the context for African regional integration 2.1. Geographical fragmentation 2.2. capacities, institutions and domestic policies 2.3. climate, nutrition and health 2.5. the environment and common resources 2.6. Should Africa look outward, inward, or both? 3. Estimating the impact of regional integration in Africa 3.1 Estimating the scope and benefits of integration 3.2 the modeling of integration 3.2.1 the regional, continental and global integration paths i) regional and continental...
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...KENYA GENERAL INFORMATION Kenya, officially the Republic of Kenya, is a sovereign state in Africa. Its capital and largest city is Nairobi. Kenya lies on the equator with the Indian Ocean to the south-east, Tanzania to the south, Uganda to the west, South Sudan to the north-west, Ethiopia to the north and Somalia to the north-east. Kenya covers 581,309 km2 (224,445 sq mi) and has a population of about 44 million in July 2012. The country named after Mount Kenya, the second highest mountain in Africa. The country has a warm and humid climate along its Indian Ocean coastline, with wildlife-rich savannah grasslands inland towards the capital. Nairobi has a cool climate that gets colder approaching Mount Kenya, which has three permanently snow-capped peaks. Further inland there is a warm and humid climate around Lake Victoria, and temperate forested and hilly areas in the western region. The northeastern regions along the border with Somalia and Ethiopia are arid and semi-arid areas with near-desert landscapes. Lake Victoria, the world's second largest fresh-water lake and the world's largest tropical lake, is situated to the southwest and is shared with Uganda and Tanzania. Kenya is famous for its safaris and diverse wildlife reserves and national parks such as the East and West Tsavo National Park, the Maasai Mara, Lake Nakuru National Park, and Aberdares National Park. There are several world heritage sites such as Lamu, and world renowned beaches such as Kilifi where international...
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...Economic Development of Third World Countries Abstract The paper examines social and economic issues relating to the development of Third World countries. The emphasis is placed on five major challenges the underdeveloped and developing nations face on their way to economic growth and prosperity. The report discuses overpopulation problem and also questions the effectiveness of foreign aid. Moreover, it provides information on impact of information technology, as well as addresses the issue of lack of economic diversification. Finally, it explains causes and consequences of corruption on economic growth. Keywords: Third World, development, overpopulation, foreign aid, technology, diversification, corruption Table of Contents Abstract2 Introduction4 Brief history4 Classifications4 From Third World to First World6 Issues7 Population growth7 Foreign aid8 Information technology11 Economic diversification12 Corruption13 Conclusions16 References18 Economic Development of Third World Countries History The end of the World War II brought into being a number of new nations in Asia and Africa, which gained independence from colonial rule and were given a title of “Third World”. The term was created by French demographer Alfred Sauvy and was originally intended to distinguish newly emerged states from the Western industrialized nations and from those that formed the former Soviet bloc (Prachi, 2011). Today the designation is used to describe the developing...
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...activities. (O’Brien, 1999) BRAC, an international development organization based in Bangladesh, is the largest non-governmental development organization in the world, measured by the number of employees and the number of people it has helped. Established by Sir Fazle Hasan Abed in 1972 soon after the independence of Bangladesh, BRAC is present in all 64 districts of Bangladesh as well as in Afghanistan, Pakistan, SriLanka, Uganda, Tanzania, South Sudan, Sierra Leone, Liberia, Haiti and The Philippines as of 2012. (BRAC,2013)BRAC has organized the isolated poor and learned to understand their needs by finding practical ways to increase their access to resources support their entrepreneurship and empower them to become agents of change. Women and girls have been the focus of BRAC‟s anti-poverty approach; BRAC recognizes both their vulnerabilities and thirst for change. (Wikipedia, 2013) It will be, therefore, appropriate to correlate theories management information system with BRAC to properly understand the practice in reality. 1.1 Origin of the Study This report titled Application of Management Information Systems in BRAC has been prepared for Mr. Rezwanul Huque Khan, Course Instructor, Management Information Systems, as a partial requirement of the course. 1.2 Objective Broad Objective The broad...
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...Sector Report Fast-Moving Consumer Goods in Africa kpmg.com/africa The series has the following reports: • Oil and Gas in Africa • Private Equity in Africa • Manufacturing in Africa • Luxury Goods in Africa • The African Consumer and Retail • White Goods in Africa • Insurance in Africa • Agriculture in Africa • Power in Africa • Construction in Africa • Banking in Africa • Healthcare in Africa Contents Introduction and Overview 1 Key Drivers 2 Market Size 2 Market Concentration 2 Related Industries 4 Spending Power 4 Buying Habits 5 FMCG in Africa 6 Food 6 Beverages 6 Personal Care Products 8 Home Care Products 8 FMCG Growth Spots in Africa 6 Ghana 9 Kenya 10 Nigeria 14 Sources of Information 16 Contact Details back page 1 | Fast-Moving Consumer Goods in Africa Introduction & Overview The fast-moving consumer goods (FMCG) sector, also called the consumer packaged goods (CPG) sector, is one of the largest industries worldwide. FMCGs are generally cheap products that have a short shelf life, and are purchased by consumers on a regular basis. Profit margins on these products are usually low for retailers, who try to offset this by selling large volumes. Some of the most well-known FMCG companies in the world include Unilever, The Coca-Cola Company, and Johnson & Johnson. The FMCG sector comprises a large variety of products, with...
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...CHP-1, INTRODUCTION ON BHARTI AIRTEL Bharti Airtel Limited, commonly known as Airtel, is an Indian telecommunications services company headquartered at New Delhi, India. It operates in 20 countries across South Asia, Africa and the Channel Islands. Airtel has GSM network in all countries, providing 2G, 3G and 4G services depending upon the country of operation. Airtel is the world's third-largest mobile tele communications company with over 261 million subscribers across 20 countries as of August 2012. It is the largest cellular service provider in India, with 185.92 million subscribers as of September 2012. Airtel is the third largest in-country mobile operator by subscriber base, behind China Mobile and China Unicom. Airtel is the largest provider of mobile telephony and second largest provider of fixed telephony in India, and is also a provider of broadband and subscription television services. It offers its telecom services under the airtel brand, and is headed by Sunil Bharti Mittal. Bharti Airtel is the first Indian telecom service provider to achieve Cisco Gold Certification. It also acts as a carrier for national and international long distance communication services. The company has a submarine cable landing station at Chennai, which connects the submarine cable connecting Chennai and Singapore. Airtel is credited with pioneering the business strategy of outsourcing all of its business operations except marketing, sales and finance and building the 'minutes factory'...
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