Date Disclosed Project Name Project Number Product Line 09/15/2021 OSMANGAZI ELEKTRIK DAGITIM AS 45265
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Consumer Expectation from Online Retailers in Developing E-Commerce Market: an Investigation of Generation Y in Bangladesh
International Business Research; Vol. 8, No. 7; 2015 ISSN 1913-9004 E-ISSN 1913-9012 Published by Canadian Center of Science and Education Consumer Expectation from Online Retailers in Developing E-commerce Market: An Investigation of Generation Y in Bangladesh Syed Mahmudur Rahman1 1 BRAC Business School, BRAC University, Dhaka, Bangladesh Correspondence: Syed Mahmudur Rahman, BRAC Business School, BRAC University, Dhaka, Bangladesh. E-mail: [email protected] Received: June 1, 2015 Accepted: June 15, 2015 Online Published: June 25, 2015 doi:10.5539/ibr.v8n7p121 URL: http://dx.doi.org/10.5539/ibr.v8n7p121 Abstract This paper aims to investigate the expectation from online retailers in the context of Generation Y, as the target market group in Bangladesh. It also examines the similarities and dissimilarities between the global online retail market trend and the target group. Volunteer final year university students conducted face to face survey using structured questionnaires. Primary data was collected using paper-and-pencil method where interviewee completed the form in most of the cases. This research found differences between the expectations of consumers from online retailers and the online market trend in developed countries. Existing issues and directions for future online businesses have been discussed. Most of the males want to purchase ‘Clothing and footwear’ online, whereas ‘Jewelleries and Watches’ is the most desired online product category by females. Two third of Gen Y in Bangladesh is already shopping online with high interest in F-commerce. Online shopping abandon rate is high due to service quality issue. Lowering internet cost is driving the e-commerce growth. -
Consolidated Financial Statements and Management Report for the Parent Company and the Group 2016
Consolidated Financial Statements and Management Report for the Parent Company and the Group 2016 Rocket Internet SE, Berlin Non-binding convenience translation from German Table of Contents Consolidated Financial Statements for 2016 (prepared in accordance with IFRS as endorsed in the EU) comprising: • Consolidated Statement of Comprehensive Income • Consolidated Balance Sheet • Consolidated Statement of Changes in Equity • Consolidated Statement of Cash Flows • Notes to the Consolidated Financial Statements Management Report for the Parent Company and the Group 2016 (Combined Management Report) Audit Opinion Responsibility Statement Consolidated Financial Statements 2016 (prepared in accordance with IFRS as endorsed in the EU) Rocket Internet SE, Berlin Non-binding convenience translation from German Rocket Internet SE Consolidated Financial Statements (IFRS) Consolidated Financial Statements Consolidated Statement of Comprehensive Income ...................................................................................................... 2 Consolidated Balance Sheet ......................................................................................................................................... 3 Consolidated Statement of Changes in Equity .............................................................................................................. 4 Consolidated Statement of Cash Flows ......................................................................................................................... 5 Notes to the Consolidated -
Philippe EE Financing
THE EXPERIENCE OF PROPARCO IN BANGLADESH CLEAN ENERGY EFFICIENCY FINANCING ENERGY SUMMIT 2019 SUNDAY MARCH 10TH 2019 #EntreprendreEnCommun #BusinessInCommon PROPARCO SNAPSHOT PROPARCO AT A GLANCE THE FRENCH DFI SERVING THE PRIVATE SECTOR AND SUSTAINABLE DEVELOPMENT A SUBSIDIARY OF THE AGENCE FRANÇAISE DE DÉVELOPPEMENT (AFD) AFD is a public financial institution implementing French government's policies, aimed at poverty alleviation and sustainable development DEVOTED TO PRIVATE SECTOR FUNDING SINCE 1977 450+ clients, not tied to French interests ACTIVE IN DEVELOPING COUNTRIES (PER OECD DEFINITION) 80+ countries of operation, 23 local currencies in the portfolio SUPPORTING SUSTAINABLE DEVELOPMENT GOALS Devoting 30% of activity to projects with climate change co-benefits In 2018 €1.6bn 103 €5.5bn 300+ in financing new executed of outstanding loans staff members transactions and equity stakes A UNIQUE MODE OF GOVERNANCE PUBLIC AND PRIVATE SHAREHOLDER BASE FROM FRANCE AND ELSEWHERE 65% Agence Française de Développement 22% • BNP Paribas French • BPCE IOM Financial • CDC Entreprises ELAN PME (Bpifrance) Organizations • Crédit Agricole SA • Société générale • Aga Khan Fund for Economic Development (AKFED) 11% • Banque marocaine du commerce extérieur (BMCE) International • Bank of Africa Group (BoA Group SA) Financial • Banque ouest-africaine de développement (BOAD) Organizations • Corporación Andina de Fomento (CAF) • Development Bank of Southern Africa (DBSA) 2% • Bolloré Africa Logistics Corporates • ENGIE • Groupe Bouygues • Saur International -
Accessbank Template CI Conform W/O Content
Offgrid Power Forum / Intersolar 21 June 2016 AccessHolding: Basic Facts German stock corporation (AG) created in 2006 Purpose: setting up small business banks in emerging markets „House Bank“ for MSME and low/middle-income households Full range of financial services but focus on business lending: Commercial bank license Core product: cash flow based lending to micro and small businesses Holding approach: Developing centralized core bank holding functions to support the emerging network Strategic Investor: AccessHolding aims to acquire majority stake Regional Clusters Responsible banking Commercial targets but long-term investment horizon: break-even in Y3-4; RoE of > 20% from Y5 on 27-Jun-16 #2 KPIs per December 2015 Paid-up capital of EUR 87.2 million Currently 10 financial institutions 8 banks & 2 MFOs 9 majority - owned Expansion plan for 14 institutions until 2021 Total Assets: EUR 1.2bn, Gross Loan Portfolio: EUR 0.9bn 570 thousand loans outstanding (95% for small business purpose) Average outstanding loan balance EUR 1,598 56% of the loan clients live in rural areas, usually with bad or no energy supply ~ 8,000 employees in 191 branches Two in three branches are located in rural areas 27-Jun-16 #3 History of Network Development Acquisition of AB Azerbaijan AB Tanzania AB Liberia AB Zambia MFO CREDO AH Share 16.5% AH Share 50.7% AH Share 55.6% AH Share 51.0% AH Share 60.2% Fitch Rating: BBB- Oct. 2002 Nov. 2007 Jan. 2009 Oct. 2011 Oct. 2014 Feb. 2007 Nov. 2008 Apr. 2010 Dec. 2013 Jan. 2015 Acquisition of AB Madagascar AB Nigeria -
An Assessment of the Causes of Non Performing Loans In
AN ASSESSMENT OF THE CAUSES OF NON PERFORMING LOANS IN TANZANIA COMMERCIAL BANKS: A CASE OF NMB BANK PLC BY Phides Selestine Mchopa A Dissertation Submitted to School of Business in Partial Fulfillment of the Requirements for the Award of Master Degree in Business Administration (MBA - Corporate Management) of Mzumbe University 2013 i CERTIFICATION We, the undersigned, certify that we have read and hereby recommend for acceptance by the Mzumbe University, a dissertation/thesis entitled an assessment of the causes of non-performing loans in Tanzania commercial banks; a case of NMB bank PLC, Kenyatta road branch (Mwanza), in partial/fulfillment of the requirements for award of the degree of Master of Business Administration of Mzumbe University. ____________________________________ Major Supervisor ____________________________________ Internal Examiner Accepted for the Board of School of Business ______________________________________________ DEAN, BOARD OF SCHOOL OF BUSINESS ii DECLARATION AND COPYRIGHT I, Phides Selestine Mchopa, declare that this Dissertation is my own original work and that it has not been presented and will not be presented to any other university for a similar or any other degree award. Signature ___________________________ Date________________________________ © This dissertation is a copyright material protected under the Berne Convention, the Copyright Act 199 and other international and national enactments, in that behalf, on intellectual property. It may not be reproduced by any means in full or in part, except for short extracts in fair dealings, for research or private study, critical scholarly review or discourse with an acknowledgement, without the written permission of Mzumbe University, on behalf of the author. iii ACKNOWLEDGEMENT First of all I would like to express my exceptional thanks to almighty God for energizing me and make me able to fulfill my academic responsibilities. -
Press Release
Stockholm December 16, 2013 Press Release MTN joins Millicom and Rocket Internet to build Africa’s leading Internet company - Africa’s leading telecommunications firm MTN joins Millicom and Rocket Internet MTN’s into Africa Internet Holding (AIH), a leading internet group in Africa. The three partners will own one third of the company each upon closing. - The agreement exploits MTN’s and Millicom’s highly complementary footprints in Africa with over 220m customer relationships - The investment will fast track the development of AIH while ensuring the company is fully funded until break even. - Agreement paves way for growth of high profile brands such as Kaymu, Jumia, Lamudi, Jovago, Zando, Easytaxi and Hellofood Stockholm, December 16, 2013. Millicom, the international telecommunications and media company (Stockholmsbörsen: MIC) and Rocket Internet have signed an agreement to partner with MTN to develop their African online company AIH. Together the three companies will fast track the development of AIH leveraging on MTN’s and Millicom’s highly complementary footprints in Africa and Rocket Internet’s know-how in online services. Africa Internet Holding will become an associate of Millicom, MTN and Rocket Internet with each partner owning one third of the share capital and having equal representation on the Board of the company. AIH is a leading internet group in Africa, with presence in 13 countries on the continent, including South Africa, Nigeria, Egypt, Morocco, Cote d’Ivoire and Ghana. The company has developed several successful e-commerce ventures in the last 18 months, including Jumia, Zando, Kaymu, Jovago, Lamudi, Carmudi, Easytaxi and Hellofood. In October 2013, Jumia, the leading ecommerce marketplace in Nigeria, Egypt, Kenya, Ivory Coast and Morocco, has been awarded the "Best new retailer launch of the year" at the prestigious “World Retail Awards”, becoming also the first African company to be awarded. -
Nmb Market Share
2018-19 Annual Report Contents Integrated Report NMB at Glance ................................................................................................................................................................................................................................................................ 5 Introduction ........................................................................................................................................................................................................................................................................... 6 Subsidiaries .......................................................................................................................................................................................................................................................................... 8 Key Highlights ................................................................................................................................................................................................................................................................. 9 Reminiscing the Journey ......................................................................................................................................................................................................................... 10 Milestones .............................................................................................................................................................................................................................................................................. -
Annual Integrated R E P O
2019 2019 ANNUAL ANNUAL INTEGRATED INTEGRATED REPORT REPORT INTRODUCING THE GROUP.....................................................................................................................................................8 BANK OF AFRICA, more than 60 years of continuous development ................................................................................9 BANK OF AFRICA Today......................................................................................................................................................................................... 11 Shareholders ........................................................................................................................................................................................................................ 13 BANK OF AFRICA Group’s business lines............................................................................................................................................... 16 Geographical presence................................................................................................................................................................................................ 17 A pan-African vocation................................................................................................................................................................................................ 18 Intra-Group synergies for Africa’s development .................................................................................................................................. -
Business in Africa
Deal Makers Vol 8: No 4 AFRICA TRANSACTION TABLE BY COUNTRY INCLUDING ADVISORS | BUSINESS IN AFRICA from the Most institutional and private equity investors (and of course the development finance institutions) are required to ensure that the target has the ability to comply with international anti-ceorruptdion, soiciatl anod environm’ens tal laws. dIn maney casess targk ets in Africa will not have the relevant systems and controls in place to monitor effectively compliance with these legal requirements, in particular anti-corruption laws. The cost of s global M&A hit record highs in 2015, dealmaking activity in sub-Saharan Africa implementing the procedures and the ability to A remained relatively muted despite an uptick in activity towards the end of the year. monitor systems and controls should be carefully In recent years, African markets have been one of the preferred destinations for funds considered. shunning lower interest rates in the US. But all that changed with the hike in interest rates by the US Federal Reserve. In addition, geopolitical uncertainties, market and currency volatility and a slump in commodity prices have seen focus shift away from emerging markets to Advertising rates are available on request from Infrastructure and developed countries. property Vanessa Aitken +27 (0)83 775 2995 Private equity firms too have become more creative as valuations remain high. Firms have development pursued other avenues to deploy capital. Some have opted for private investment in public The magazine may be purchased on transactions form equities in lieu of large leverage buyouts. subscription. These rates are available on the backbone of Years of rapid economic growth across sub-Saharan Africa have been fuelled by hopes of the request from: [email protected] developing development of a continent less dependent on the fickle global demand for its raw resources. -
Annual Report 2019 NMB Final.Indd
Contents Chairman’s Statement ....................................................................................................................................................................................................................... 3 Directors Report ................................................................................................................................................................................................................................................. 5 CEO’s Message ...................................................................................................................................................................................................................................................... 25 Financial Graphs ............................................................................................................................................................................................................................................. 27 Annual Financial Statements FY 2018-19 NMB Bank Ltd. ....................................................................................................................................................................................................................................................... 33 Annual Financial Statements FY 2018-19 OM Development Bank Ltd................................................................................................................................................................................................ -
Recent Trends in Banking in Sub-Saharan Africa from Financing to Investment
Recent Trends in Banking in sub-Saharan Africa From Financing to Investment Recent Trends in Banking in sub-Saharan Africa from Financing to Investment July 2015 Lead authors Tim Bending, Economist, European Investment Bank Angus Downie, Head of Economic Research, Ecobank Thierry Giordano, Economist, CIRAD Arthur Minsat, Africa Economist, OECD Bruno Losch, Research Director, CIRAD Daniela Marchettini, Economist, International Monetary Fund, Africa Department Rodolfo Maino, Senior Economist, International Monetary Fund, Africa Department Mauro Mecagni, Assistant Director, International Monetary Fund, Africa Department Oskar Nelvin, Economist, European Investment Bank Habil Olaka, Chief Executive Officer, Bankers Association, Kenya Jared Osoro, Director, Kenya Bankers Association Centre for Research on Financial Markets and Policy Henri-Bernard Solignac-Lecomte, Head of Unit, OECD Development Centre Jean-Philippe Stijns, Senior Economist, European Investment Bank Stuart Theobald, Chairman, Intellidex Economics editor Jean-Philippe Stijns, Senior Economist, European Investment Bank Debora Revoltella, Director, Economics Department, European Investment Bank Editorial, linguistic and statistical support Paul Skinner, Senior Translator-Reviser, Deputy Head of Unit, European Investment Bank Dr. Polyxeni Kanelliadou, Assistant, European Investment Bank Magali Vetter, Administrative Assistant, European Investment Bank Jurate Cepulyte-Dubois, Project Manager, European Investment Bank Rafal Banaszek, Statistical and Reporting Analyst, European Investment Bank The articles in this document were discussed at a roundtable event hosted by the EIB’s Economics Department in Luxembourg in the context of the Africa Day hosted on 9 July 2015 by the European Investment Bank in cooperation with Luxembourg’s Presidency of the European Union. About the Economics Department of the EIB The mission of the EIB Economics Department is to provide economic analyses and studies to support the Bank in its operations and in its positioning, strategy and policy. -
The Assessment of Customer Response on Electronic
THE ASSESSMENT OF CUSTOMER RESPONSE ON ELECTRONIC BANKING SERVICES IN TANZANIA A CASE STUDY OF BANK OF AFRICA (BOA) GRACEANA PAUL MIHAMBO Master Degree in Information Technology in Project Management (IT-Project Management). 2020 THE ASSESSMENT OF CUSTOMER RESPONSE ON ELECTRONIC BANKING SERVICES IN TANZANIA A CASE STUDY OF BANK OF AFRICA (BOA) BY STUDENT NAME; GRACEANA PAUL MIHAMBO A dissertation Submitted in Partial Fulfilment of the Requirements for the Award of the Master Degree in Information Technology in Project Management (IT-Project Management). 2020 CERTIFICATION The undersigned certifies that he has read and hereby recommend for acceptance by the College of Business Education a Dissertation titled “Assessment of customer response on electronic Banking services in Tanzania, A case study of Bank of Africa” in partial fulfillment of the requirements for the award of a Master’s degree in Information Technology in Project Management (IT-Project Management) of College of Business Education. _________________________________ (Supervisor`s Name) __________________________________ (Supervisor`s Signature) Date: __________________________________ i DECLARATION AND COPYRIGHT I, Graceana P. Mihambo, declare that this dissertation/thesis is my original work and that it has not been presented and will not be presented to any other higher learning Institution for a similar or any other academic award/s. Signature ____________________ Date _____________________ © This dissertation/thesis is a copyright material protected under the Berne Convention, the Copyright and Neighbouring Rights Act of 1999, and other international and national enactments, on that behalf, on intellectual property. It may not be reproduced by any means, in full or in part, except for short extracts in fair dealing, for research or private study, critical scholarly review or discourse with an acknowledgment, without the written permission of the College of Business Education ii ACKNOWLEDGEMENTS I thank the Almighty God for granting me good health to accomplish this task.