...ILLUMINA ’11 PRESENTS “SWADES” We, the people MavericksAbhishake Dixit Animesh Ankit Dubey Ashish Gauba Paresh Adnani Saurav Labana Sudeep Shouche 1 TABLE OF CONTENTS Game Objectives.....................................................................................................................................3 Relevance of the Theme.........................................................................................................................4 The Plot…………........................................................................................................................................5 The Characters.............................................................................................................................. 6 The Game Structure .............................................................................................................................. 7 Scene I…………..........................................................................................................................................7 Scene II………….......................................................................................................................................7 Scene III…………....................................................................................................................................... 7 Information To Be Gathered............................................................................................................
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...FACTORS AFFECTING SMALL SCALE VEGETABLE FARMERS ACCESS TO CREDITS AT ETUNDA IRRIGATION PROJECT IN NORTHERN NAMIBIA. SELMA N. INGULA 26 OCTOBER 2012 Factors affecting small scale vegetable farmers access to credits at Etunda irrigation project in Northern Namibia. BY: Selma N. Ingula Project report submitted to the University of Namibia, Faculty of Agriculture and Natural Resources, Department of Agricultural Economics in partial fulfilment of the requirements for the Diploma in Agriculture. Project Assessment Board | | | | | | |Supervisor (s): | | |MR. B. THOMAS & | | |MS. B. MUDAMBURI | | [pic] UNIVERSITY OF NAMIBIA, DEPARTMENT OF AGRICULTURAL ECONOMICS AND EXTENSION, UNAM OGONGO CAMPUS Receipt Confirmation Signatures |Chairperson:……………………… | | | ...
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...CHAPTER 1 1.1 Introduction to the Report This Internship report is aimed at studying and analyzing MCB Bank in general and its branch office at Abbottabad in particular with reference to its marketing practices. The main purpose of the internship is to prepare and submit a report as a partial fulfillment for the award of BBA degree from COMSATS Institute of Information Technology Abbottabad. 1.2 Objective of Study Internship is the one of the part of the BBA course and this provide the practice knowledge of what students read about business in their books. Internship report is prepared to full fledge analysis of an organization. As this is the only field experience that students before entering practically into the market. During our internship we had been rotated different departments as accounts, remittances, car finance, clearing and collection etc. this movement and working provide a completely knowledge of their working to us, they also explained each and every concept to make us clear. This knowledge and practical experience was the thing which help we have completed the internship report. 1.3 Scope of the Study This study carried out on MCB is an effort to introduce the working and operations at MCB among students and others interested in the organization. This study reveals the MCB in terms of its history and background, its departments and their functioning. It also enlightens the techniques, procedures, and programs that are being used at MCB...
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...U.S. Foreign Aid in Developing Countries Over the past 40 years, the United States (U.S.), via the coordination of the Agency for International Development (AID), has provided several developing nations with billions of dollars in aid. Assistance is distributed within the following categories: bilateral development, economic assistance supporting U.S. political and security goals, humanitarian, multilateral economic contributions, military, the Millennium Challenge Corporation, and the Global AIDS Initiative. With so many great programs that offer economic and military assistance, my goal is to determine if any metrics have shown a positive impact within developing nations. Why does the United States give foreign aid? Idealists view foreign aid as a contemporary form of Rudyard Kipling’s ‘White Man’s Burden” whose goal was to uplift those worse off than ourselves out of poverty. The White Man’s Burden by Rudyard Kipling “…Take up the White Man's burden-- The savage wars of peace-- Fill full the mouth of Famine, And bid the sickness cease; And when your goal is nearest (The end for others sought) Watch sloth and heathen folly Bring all your hope to naught.….” While Kipling may have been optimistic, reality shows that foreign aid is a necessity. Foreign aid goals include 1) security by fighting terrorism in the United States and abroad, (2) a financial gain by promoting exports, and (3) humanitarianism. Metrics have not provided a true depiction of the...
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...definition of loan, definition of SME, general principles of lending, loan monitoring and control, access to credit as well as repayment performance: theory and practice. 2.1 Definition of loan A loan is a type of debt like all debt instruments, a loan entrails the redistribution of financial assets over time, between the lender and the borrower. The borrower initially receives an amount of money from the lender which they pay back, using but not always in regular installment. Types of loans There are many different types of loans you can take out. When you are looking to borrow money, it’s important that you know your options. i. Open-ended loans: they are loans that you can borrow over and over again. Credit cards and lines of credit are the most common types of open-ended loans. With both of these loans, you have a credit limit that you can purchase against. Each time you make a purchase, your available credit decreases. As you make payments, your available increases allowing you to use the same credit over and over. ii. Closed-ended loans: this cannot be borrowed once they have been repaid. As you make payments on closed-ended loans, the balance of the loan goes down. However, you do not have any available credit you can use on closed-ended loans. Instead, if you need to borrow more money, you would have to apply for another loan. Common types of closed-ended loans include mortgage loans, auto loans and students’ loans. iii. Secured loans: These are loans that rely on...
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...intermediation in the rural economy became paramount because of the non-availability of formal institutions and the fact that most rural dwellers are engaged in agriculture. Agriculture is the mainstay of the Ghanaian economy and until recently the largest contributor to GDP. (Yahiya, research Dept. of BOG, 2013) Despite the potential resources existing in the rural areas, farmers and small entrepreneurs lack the required institutional credit to play the expected meaningful role in the Economy. The peasant farmer had to rely on informal operators such as Mobile Bankers locally known as Susu Collectors, and self-help groups and money lenders for his credit needs. These creditors charge exorbitant interest rates which, in most cases, aggravates the poverty state of the borrowers. The bank of Ghana, in a bid to take care of the credit and other financial needs of the rural people, therefore encouraged Commercial Banks to expand their rural networks. The Agricultural Development Bank, for example, which was originally a unit of the Bank of Ghana, was established in 1965 with the aim of reaching the small-scale farmer(s).These Banks were however unable to satisfy the financial...
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...State of Microfinance in Bangladesh Prepared for Institute of Microfinance (InM) As part of the project on State of Microfinance in SAARC Countries By Dewan A. H. Alamgir 2009 Disclaimer Any opinions expressed and policy suggestions proposed in the document are the author’s own and do not necessarily reflect the views of Institute of Microfinance (InM). The report also does not represent the official stand of the Government of the countries studied. 2 | State of Microfinance in Bangladesh List of Acronyms ADB ASA BBS BDT BEES BIDS BKB BMDA BRAC BRDB BSBL CARB CBO CBN CDF CFPR CIDA COSOP CPD DANIDA DFID DOL DOF EC FSP FSS FY GB GDP GOB HCP HIES IBBL IFAD IGA IGVGD InM JC LGED ME MFMSP Asian Development Bank Bangladeshi NGO (formerly Association for Social Advancement) Bangladesh Bureau of Statistics Bangladesh Taka Bangladesh Extension Education Services Bangladesh Institute of Development Studies Bangladesh Krishi Bank Barind Multi-Purpose Development Authority Building Resources Across Communities (Largest NGO) [Formerly Bangladesh Rural Advancement Committee] Bangladesh Rural Development Board Bangladesh Sanchya Bank Limited Center for Agricultural Research-Barind (a Bangladeshi MFI) Community Based Organization Cost-of-basic-needs Credit and Development Forum Challenging the Frontiers of Poverty Reduction Programme Canadian International Development Agency Country Strategic Opportunities Paper (of IFAD) Centre for Policy Dialogue Danish International...
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...INTRODUCTION Emergence of Poverty as an Area of Enquiry The literature on poverty today is quite voluminous. The contributors to this literature came from diverse disciplines including sociology, anthropology, education, political economy, geography, agronomy, biology, nutrition etc. However, its need to be mentioned that though mention of poor, poverty, charity etc can be seen in the writing of social and moral philosophers of pre and post reformation era, the scholars have directed their attention to poverty as a distinct area of enquiry only since late fifties and early sixties of the century. The interest of scholars followed rather than preceded the interest of policy makers and lay public even though large scale poverty did not disappear from less developed counties or even developed countries after the years of great depression. The first systematic enquiry into people in want was possibly done by Charles Booth in 1886. He undertook house-to-house enquiry in the poorer district of London. His discourse used two terminologies viz. poor and very poor. He described poor as those who struggle but are able to earn sufficiently regular income to obtain necessaries of life for making both ends meet. In contrast, the very poor cannot do so and live in a state of chronic want. Booth published his findings in two volumes on “Life and Labor of the People in London” in 1889 and 1891. Booth, it may be claimed invented what is today known poverty line and also Head count of Household...
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...Banking industry has shown tremendous growth in volume and complexity during the last few decades. Despite amplified thrust by the government on increase of branch network across the country since 1969, still the fruits of the banking not reached to the common man which is evident from the below: Ø Half of the residents are out of the banking system and unable to prove their identity on account of poor financial back ground and belong to Below Poverty Line (BPL) segment. Ø 60% of farmers do not have access to credit from Banks. Ø Poor pay usurious interest at 40% to 50% to Money Lenders. Even Micro Finance Institutions charge 20-30% interest. Ø More than 40% of the government’s subsidy and social spending is being siphoned off, mostly by “ghosts” and undeserving recipients. Ø In spite of best efforts, the various welfare/employment generated programs aimed at poor households with huge budget allocations (NREGS, JSY and PDS) are going into unscrupulous hands and leading to widespread leakage of public money. http://www.allbankingsolutions.com/Articles/Articles-NSNR-Financial-Inculsion-Role-of-IT.shtml Financial Inclusion: How India can achieve it? “Inclusive growth” was one of the important objectives of eleventh five year plan in India. Inclusion of each and every section of the society in the process of economic development and achieving growth with equity is the basic objective of “inclusive...
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...Chapter 1 1.1 HISTORICAL DEVELOPMENT Peoples Own savings bank of Zimbabwe (POSB) is a statutory, national savings bank, wholly owned by the government of Zimbabwe. The People’s Own Savings Bank was established on the 1st of January 1905 and has a proud history of achievement and service provision to every Zimbabwean. The former Post and Telecommunications (PTC) unbundled into three separate entities namely; The People’s Own Savings Bank replacing the Post Office Savings Bank, Zimpost replacing the former Post Office and Telone and Net One replacing Telecoms. In 2001, the POSB bank Act (chapter 24:22) was promolgumated, establishing POSB as a corporate entity. This Act widened the scope of the bank to enable it to offer a wide range of financial products. The bank's core mandate is to promote a culture of saving amongst Zimbabweans, especially in the previously unbanked outlying communities. POSB deals with clients from the lower market. POSB is directly supervised by the ministry of finance and Reserve Bank of Zimbabwe. 1.2 THE BUSINESS STATEMENT 1.2.1 Vision To be a world class Savings Bank catering for all. 1.2.2 Mission To be a Savings bank which provides a broad range of quality, accessible and affordable financial services. 1.2.3 Values Innovation Ability to change for the better. KUNDAI KAMANGA Page 1 N0110841B Excellence Exceeding set standards and expectations. Integrity Being trustworthy, dependable and honest in all our...
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...BANKING IN INDIA Banking in India originated in the first decade of 18th century. The first banks were, The General Bank of India, which started in 1786, and Bank of Hindustan, both of which are now defunct. The oldest bank in existence in India is the State Bank of India, which originated in the "The Bank of Bengal" in Calcutta in June 1806. This was one of the three presidency banks, the other two being the Bank of Bombay and the Bank of Madras. The presidency banks were established under charters from the British East India Company. They merged in 1925 to form the Imperial Bank of India, which, upon India's independence, became the State Bank of India. For many years the Presidency banks acted as quasi-central banks, as did their successors. The Reserve Bank of India formally took on the responsibility of regulating the Indian banking sector from 1935. After India's independence in 1947, the Reserve Bank was nationalized and given broader powers. Early history The first fully Indian owned bank was the Allahabad Bank, established in 1865. However, at the end of late-18th century, there were hardly any banks in India in the modern sense of the term. The American Civil War stopped the supply of cotton to Lancashire from the Confederate States. Promoters opened banks to finance trading in Indian cotton. With large exposure to speculative ventures, most of the banks opened in India during that period failed. The depositors lost money and lost interest in keeping deposits...
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...Grameen Bank: Taking Capitalism to the Poor Evaristus Mainsah* MBA ’04 Schuyler R. Heuer MBA ’04 Aprajita Kalra MBA/MIA ’04 Columbia Business School Columbia University School of International and Public Affairs Qiulin Zhang MPA ’04 Columbia University School of International and Public Affairs This paper was written as part of the course Emerging Financial Markets taught by David O. Beim, professor of professional practice, at Columbia Business School in fall 2003. The authors are grateful for his invaluable feedback. © 2004 by The Trustees of Columbia University in the City of New York. All rights reserved. CHAZEN WEB JOURNAL OF INTERNATIONAL BUSINESS SPRING 2004 www.gsb.columbia.edu/chazenjournal * Corresponding author (EMainsah04@gsb.columbia.edu). Executive Summary In the early 1970s, Professor Muhammad Yunus envisioned a means of alleviating poverty by circumventing the major impediment to lending to the poorest in society—the need for collateral. He tested this instinct in an experiment in 1976, when he lent about $27 to 42 women in an ordinary Bangladeshi village. Just 30 years later, Grameen Bank has more than 3.2 million borrowers (95 percent of whom are women), 1,178 branches, services in 41,000 villages and assets of more than $3 billion. This paper explores Grameen Bank’s origins, structure, culture, performance and efforts to expand and broaden the microfinance agenda. The authors evaluate Grameen’s success in implementing Yunus’s vision...
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...INTRODUCTION Money makes the world go round and the world today is moving at an amazing pace. Thanks to the advances in technologies, distances have become meaningless. Globalization has enabled the rise of global trade leading to wealth generation in developed as well as developing countries. Wealth can be created in any part of the world with a single click of the mouse. Developing nations, like India have immensely benefited from the globalizing economy. Wealth has been pouring into the country as investments (both direct and institutional). Indian companies are acquiring companies all over the world, hence benefitting from expansion. This has directly affected the lives of many citizens in our country. For many, there has been a dramatic increase in the disposable income. The savings, consumption and investment patterns have changed in the past few years. This has meant that there has been an increase in demand for many financial services from different financial firms. The market has responded to this soaring demand with making attractive offers and services for the customers at affordable rates. Since the LPG reforms of 1991, there have been progressive reforms in the financial sector allowing for better and easier facilities and options to the consumer. An increasing financially aware middle class have realized the importance of financial services. Banks have streamlined and rationalized themselves to meet with the changing demands of the people. However, not all...
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...[pic] http://mbanetbook.blogspot.com/ Project on Non Performing Assets in Banks CONTENTS |Chapter no. | Title |Page no. | | |Executive Summary |2 | |1 |General Introduction | | | |Introduction to the Topic |4 | | |Company Profile |6 | | |Non performing assets |10 | |2 | Research Methodology |32 | |3 | Data Analysis & Interpretation |38 | |4 | Findings, Suggestions & Conclusions |64 | |5 | Annexure: | | | |a) Bibliography ...
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...2010 A Grand Project Report on Credit Risk Management at State Bank of Mysore N. R. Institute of Business Management 23/3/2010 A Grand Project Report on Credit Risk Management at State Bank of Mysore N. R. Institu of Business Manag itute agement A Grand Project Report on rand Credit Risk Manag anagement at State Bank of M k Mysore (IN PARTIAL FULFILLMENT OF PROJECT STUDY COURSE, IN TWO YEARS FULL TIME LMENT O WO YEAR MASTER OF BUSINESS ADMIN SS ADMINISTRATION PROGRAMME OF GUJARAT U UJARAT UNIVERSITY) Submitted To: Prof. Dharmesh Shah hah (Asst. Professor, NRIBM) Submitted By: Subm Sandip A. Makwa (08056) akwana Luv D. Palk (08064) . Palkar Prof. Viral Pandya (Asst. Professor, NRIBM) (Batch: 2008-10) N. R. Institu of Business Management nstitute ent CERTIFICATE This is to certify that Mr. Sa ndip A. Makwa wana (08056) and Mr. Luv D. Palk alkar (08064 ) students of N.R.Institute of Business Management has successf te essfully completed their grand project on “Credit Risk Management at State Bank of Mysore” “Credit Mysore” Ba in partial fulfillment o two years Master of Business Administration of s A Programme of Gujarat University. This is their original wor and has not t U work been submitted elsewhere ere. _________________________ Dr. Hitesh Ruparel Director In-charge, NRIBM _____________________________ Prof. Dharmesh Shah Asst. Professor, NRIBM & Internal Project Guide ______________ _______________________ Prof. Vir Pandya...
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