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Banks in Ghana generate more income from assets than US, Brazil, Nigeria – The Banker You Are Here: Home » General News , Lead Story » Banks in Ghana generate more income from assets than US, Brazil, Nigeria – The Banker Banks in Ghana generate a high proportion of fee and commission income from their assets than any other country worldwide, according to a survey published by British magazine The Banker April 2012. The survey saw Ghana up at number one among top 10 countries which included Nigeria (2nd), Argentina (3rd), Senegal (4th) and Brazil (5th). Poland, Tanzania, Mexico, Romania and the United States followed accordingly from 6th to 10th. The Banker said it measured the fee and commission income as a proportion of total assets to provide a fee income return on assets (ROA) figure for all the markets. Ghana made nearly 2.5% income return from assets while Nigeria had nearly 2.2% based on the 2010 data. Despite four African countries featuring in the top 10 for fee income ROA, The Banker said this could “reflect a shortage of quality lending opportunities”. Banks in Ghana generate more income from assets than US, Brazil, Nigeria – The Banker
LeapFrog to acquire stake in Ghanaian insurance firm Express Life with $5.5m investment You Are Here: Home » Insurance » LeapFrog to acquire stake in Ghanaian insurance firm Express Life with $5.5m investment LeapFrog Investments, a global impact investing funds company, on Tuesday announced its largest ever private foreign investment in the history of Ghana’s insurance industry. The $5.5 million investment will allow LeapFrog to acquire a majority stake in Express Life Insurance Company, a Ghanaian insurance firm founded by Obed Kweku Danquah, Executive Chairman of Express Group of Companies. Express Life Insurance market share below one percent market share in the country is expected to increase significantly with the injection and also meet the new minimum capital requirement of one million dollars for insurance firms in Ghana. It will also pave way for Express Life to draw on LeapFrog’s capital and distinctive operational expertise to become the market leader in serving the large untapped market of low-income consumers in Ghana. Source: GNA Comments LeapFrog to acquire stake in Ghanaian insurance firm Express Life with $5.5m investment
Ghana should be a ripe market for mobile money. It is one of the world’s fastest growing economies and a handful of providers have been aggressively competing and investing in mobile money for several years now. Yet, as CGAP has written about before, the market has been slow to take off. The Bank of Ghana (BoG) was early to recognize the potential for branchless banking and issued guidelines in 2008 to support its development. So, how have the guidelines influenced the development of the market? Instead, MNOs have by and large been leading the mobile money services. The Bank of Ghana recognizes the discrepancy of market developments from its original vision and has re-engaged the entire range of market players – including MNOs – in a dialogue around the regulatory framework.The private sector in Ghana has responded very positively to the overtures of the Central Bank and the prospects of a more flexible regulatory environment. Unintentional Consequences: Branchless Banking In Ghana Unintentional Consequences: Branchless Banking In Ghana
Finance / Eco / Fisca

SOMMAIREStages concernés Durée du stage : 6 mois maximumGratification pour tout stage de plus de 2 moisFranchise de cotisations et contributions sociales La cantine et les titres restaurant : incidences sur la franchiseSituation des stagiaires au regard des accidents du travail et des maladies professionnellesCas particuliers Charte et guide des stages Durée du stage : 6 mois maximum La durée du ou des stages effectués par un même stagiaire dans un même organisme ne peut excéder six mois par année d’enseignement. Un décret (à paraître) doit fixer les conditions dans lesquelles il pourra être dérogé à cette règle au bénéfice des stagiaires qui interrompent momentanément leur formation afin d’exercer des activités visant exclusivement l’acquisition de compétences en liaison avec cette formation, ainsi que dans le cas des stages prévus dans le cadre d’un cursus pluriannuel de l’enseignement supérieur. Gratification pour tout stage de plus de 2 mois Champ d’application de la franchise Exemple : Espace Employeurs Espace Employeurs
« Le droit du travail doit devenir le droit de l'emploi, ou le droit de l'activité professionnelle. » Capstan Avocats, le plus gros cabinet français d'avocats en droit du travail pour les entreprises (200 avocats) vient de publier un "Manifeste pour l'emploi" qui, en "seulement huit propositions" propose de casser la quasi intégralité du droit du travail français. En d'autres termes, il préconise de tout repenser, tout revoir, tout alléger, tout simplifier afin de redonner confiance et visibilité aux entreprises, notamment les PME. Le tout au nom de la création d'emplois. Loin des habituelles contributions, jugées trop "thématiques", c'est-à-dire qu'elles se contentent de gommer telle ou telle disposition du code du Travail, la démarche de Capstan se veut "globale", voire "conceptuelle". L'accord d'entreprise prédomine sur la loi De fait, ce que propose Capstan, ce n'est pas une révolte... mais une révolution. L'accord d'entreprise devrait prévaloir sur toutes les autres normes Quand des avocats prônent un droit du travail alternatif Quand des avocats prônent un droit du travail alternatif
Business & Finance & Economy

by Bill McBride on 9/22/2013 09:59:00 PM From Jon Hilsenrath at the WSJ: Yellen Would Bring Tougher Tone to Fed Janet Yellen, the lead candidate to succeed Federal Reserve Chairman Ben Bernanke, brings a demanding and harder-driving leadership style to the central bank, in contrast to Mr. I believe Yellen will be an excellent Fed Chair. Monday: • 8:30 AM ET, the Chicago Fed National Activity Index for August. • At 9:00 AM, the Markit US PMI Manufacturing Index Flash for September. Weekend: • Schedule for Week of September 22nd • Preliminary annual Employment benchmark revision to be released Thursday The Nikkei is down about 0.2%. From CNBC: Pre-Market Data and Bloomberg futures: the S&P futures are flat and DOW futures are up slightly (fair value). Sunday Night Futures Sunday Night Futures
ucs.yalecollege.yale.edu/sites/default/files/Explore_Consulting_Top_Consulting_Firms.pdf
Pareto principle Pareto principle The Pareto principle (also known as the 80–20 rule, the law of the vital few, and the principle of factor sparsity) states that, for many events, roughly 80% of the effects come from 20% of the causes.[1] Management consultant Joseph M. Juran suggested the principle and named it after Italian economist Vilfredo Pareto, who, while at the University of Lausanne in 1896, published his first paper "Cours d'économie politique." Essentially, Pareto showed that approximately 80% of the land in Italy was owned by 20% of the population; Pareto developed the principle by observing that 20% of the pea pods in his garden contained 80% of the peas[citation needed]. It is a common rule of thumb in business; e.g., "80% of your sales come from 20% of your clients." The Pareto principle is only tangentially related to Pareto efficiency. In economics[edit] The original observation was in connection with population and wealth. In business[edit] In software[edit] Occupational health and safety[edit]
Economy & Finance

1200 Free Online Courses from Top Universities Open Culture Get 1200 free online courses from the world's leading universities -- Stanford, Yale, MIT, Harvard, Berkeley, Oxford and more. You can download these audio & video courses (often from iTunes, YouTube, or university web sites) straight to your computer or mp3 player. Over 30,000 hours of free audio & video lectures, await you now. Humanities & Social Sciences Art & Art History Courses Classics Courses Classical Mythology - Free iTunes Video - Joseph Hughes, Missouri StateClassical Mythology - Free iTunes Audio - Rhiannon Evans, La Trobe University -AustraliaConcepts of the Hero in Greek Civilization - Free Online Course - Greg Nagy, HarvardEpics of Rome - Free iTunes Video - Rhiannon Evans, LaTrobe University-AustraliaHannibal - Free iTunes Audio - Patrick Hunt, StanfordRoman Architecture - Free Online Course - Diana E. Economics Courses Bookmark our collection of free online courses in Economics. Film Courses Food Courses Geography Courses Language Lessons Law Courses 1200 Free Online Courses from Top Universities Open Culture
World Development Indicators The primary World Bank collection of development indicators, compiled from officially-recognized international sources. It presents the most current and accurate global development data available, and includes national, regional and global estimates. TypeTime seriesPeriodicityAnnualLast Updated01-Feb-2017Economy CoverageWLD, EAP, ECA, LAC, MNA, SAS, SSA, HIC, LMY, IBRD, IDAGranularityNational, RegionalNumber of Economies217TopicAgriculture & Rural Development, Aid Effectiveness, Climate Change, Economy & Growth, Education, Energy & Mining, Environment, External Debt, Financial Sector, Gender, Health, Infrastructure, Labor & Social Protection, Poverty, Private Sector, Public Sector, Science & Technology, Social Development, Trade, Urban DevelopmentUpdate FrequencyQuarterlyUpdate ScheduleApril, July, September, DecemberContact Detailsdata@worldbank.orgAccess OptionsAPI, Bulk download, Mobile app, Query toolAttribution/citationWorld Development Indicators, The World BankCoverage1960 - 2016 World Development Indicators
Living Economics: Yesterday, Today, and Tomorrow Living Economics: Yesterday, Today, and Tomorrow Detailed Summary Highlights Economics is a vital source of ideas for understanding how the world works. Synopsis Economics suffers from a bad reputation as a “dismal science” plagued with lifeless graphs and dry statistics. In Living Economics: Yesterday, Today, and Tomorrow, Peter J. Boettke’s thorough diagnosis of the maladies of today’s economics profession is especially valuable. Teaching Economics Part I examines the aim and methods of economic education. Making this the theme of principles courses would be immensely helpful for teaching students core concepts such as thinking on the margin; opportunity cost; the gains from specialization, trade, and innovation; and the requirements of wealth creation. Teachers of Economics Part II, the heart of the book, examines the teachings of more than a dozen economists who exemplify excellence. Next Boettke examines the works of economists who enlarged the domain of the profession by applying economic thinking to the political realm. F. Praise
Accounting and Finance

A payroll management system is a software program or system application that is used by companies to manage the financial aspects of the salary of its employees. This system oversees areas related to payroll, salaries, allowances, deductions, and net pay, as well as generating payslips within a prescribed period. Because it is a software program, the most obvious benefit of using a payroll management system is its ability to automate otherwise complicated manual computations. Computing for deductions, income taxes, benefits, allowances and the like can be done in less time as compared to having someone crunching numbers for each and every employee. This results in time savings as well as a lower incidence of miscalculations attributable to human error. Using a single system also makes it easier for you to manage employee information, so there’s no need for you to consult various sources for data. What is a Payroll Management System?
4 Ways Customized Accounting System Can Make Your Life Easier Having full control of your finances keeps you from over- and under-spending. Many business owners run a tight ship, but not all have a complete understanding of their financial health. In many cases, business owners rely mostly on internal and external experts for financial reports, expense projections, budget cuts, and payroll management. Having a customized accounting system can save your company not just money, but time and resources as well. Apart from reduced overheads in human resources, it can also increase productivity and ensure financial reports are submitted on time. You can always argue that expanding your human resources can keep operations running smoothly. Here are a few more ways of how going digital can make your life easier. Saves Time First off, a computerized accounting system will make data entry, storage, and access faster and easier. Secure Data The system’s installation costs and maintenance are often the cons of having a customized accounting system.
Accounting is no easy task, as suggested by the challenges of receivables payment management, which includes bad debt write-offs, making the accounts receivable staff more productive, and portfolio risks. It is, therefore, important for a finance team to delegate tasks and do more despite having the minimum number of employees in the department. Processes to Automate Payment automation is beneficial for any company, especially in its finance team, as it significantly reduces the time usually spent on repetitive and tedious processes. Moreover, the process ensures the transparency of financial transactions. You can make your finance team work faster with these processes: Collections Collections give you accurate results to help you identify who has not paid while automation of collections gives you information in real time, along with regular reminders. Your team can easily write reports and oversee collections through payment automation. Invoice Creation Financial Reports Billing Know your goals. Help Your Finance Team Spend More Time on Strategic Tasks
Under the new definition, so long as the foreign company’s ownership of an Indian entity is within the foreign investment limits prescribed by the government for that sector, the company will be treated as “Indian” for the purposes of the FCRA. The Last Laugh: All the foreign companies who give money to the BJP have now been legally redefined as “Indian”. File photo of Finance Minister Arun Jaitley and Prime Minister Narendra Modi. Credit: PTI New Delhi: The Modi government has quietly moved to let the Bharatiya Janata Party and Congress off the legal hook for violating the Foreign Contribution (Regulation) Act 2010 (FCRA) when they accepted donations from the London-based multinational, Vedanta. The Delhi high court ruled in 2014 that both parties were guilty of violating the FCRA and ordered the government and the Election Commission to act against them. The clever amendment to the FCRA in the Finance Bill says, What to read next: In "Politics" Revealed: Jaitley Redefines ‘Foreign’ as ‘Indian’ to Get BJP, Congress Off the Hook for FCRA Violation
Why no action against BJP, Congress for foreign funding: Delhi HC asks Centre- The New Indian Express NEW DELHI: The Delhi High Court on Tuesday sought response from the central government on a contempt plea that alleged that the government had failed to act against the Congress and the BJP for accepting foreign funding. Justice Manmohan issued a show cause notice to the Union Home Secretary on the contempt plea filed by NGO Association for Democratic Reforms (ADR). The court posted the matter for next hearing on July 20. On March 28, 2014, the court held both the Bhartiya Janata Party and the Congress guilty of receiving foreign funds from Vedanta Group subsidiaries in violation of the Foreign Contribution (Regulation) Act (FCRA). The court on Tuesday asked the government and the Election Commission to act against the two political parties within six months. Advocate Pranav Sachdeva appearing for ADR told the court that even after the lapse of three years of the court's order, the government had not taken any action.
India is about to make it easier for political parties to hide where their money comes from
Prime d’aménagement du territoire (PAT)
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