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  Microsoft Word - WTACCKHM3A3_LEG_32

Where it represents a borrower position, the treasury balance as defined in Article 5 of this Prakas. 2. 80 percent of the portion of fixed deposits and certificates of deposit having not more than one month to run. 3. 50 percent of the portion of fixed deposits and certificates of deposit having more than one month to run. 4. 50 percent of saving deposits. 5. 60 percent of demand deposits. (...) Credit items - credit balances on sight accounts maintained with NBC, banks or financial institutions. - borrowings from NBC and banks with not more than one month to run. (...) The treasury balance is regarded as representing a borrower position when the total of the credit items exceeds the total of the debit items.

Score: 848465.8 - https://www.wto.org/english/th...e/khm_e/WTACCKHM3A3_LEG_32.pdf

  PowerPoint Presentation

• Short-term spike in inflation (>5%), but IMF’s projection for 2022-2026 more promising (<4% by 2026) • Higher debts and deficits in EMEs in 2020-2022, but tapering off by 2025 • There is no clear prospect of rising borrowing costs • Borrowing costs would rise if GDP growth < interest rate • Borrowing costs on a secular downward trend in AEs • In EMEs as a whole, growth > interest rate given benign inflation outlook and return of growth in 2022-2026 period • Hence, unlikely prospect of a sharp increase in borrowing costs across EMEs • BUT…there are multiple cases of fiscal distress (e.g.

Score: 848079.7 - www.ilo.org/wcmsp5/grou...s/presentation/wcms_828714.pdf

  Guterres urges ‘decisive action’ to stave off debt crisis in developing world | Africa Renewal

According to the policy brief, 42 economies borrowing from capital markets have experienced sovereign downgrades since the start of the pandemic, including 6 developed countries, 27 emerging market economies, and 9 least developed countries.  Sovereign downgrades cause borrowing costs to rise, especially for developing countries, which can, in turn, increase the risk of more nations taking on unsustainable debt – especially if the  COVID-19  pandemic is more protracted and deeper than expected.   (...) Even in cases of elevated debt, new borrowing can lead to improved creditworthiness if it finances productive investments, it noted, adding that debt relief can also free up resources, create conditions under which countries can return to voluntary market access, and may lower a country’s overall borrowing costs, with positive impacts across the whole economy. 

Score: 847848.1 - https://www.un.org/africarenew...e-debt-crisis-developing-world

  Summary Table of MF4DW Results and Recommendations by MFI an

Philippines Negros Women for Tomorrow Foundation (NWTF) Emergency Savings Product (Individual Emergency Fund) *Strongest results: -Cross-borrowing and repayment difficulties decreased (positive impact on overindebtedness/multiple borrowing), -Improvement of precaution-related financial attitudes *Inconclusive results: -Financial behaviour/risk management -Vulnerability * Negative result: -Clients took less insurance (negative impact on asset building) 1) Continue to implement the Individual Emergency Fund and the Wealth training and roll out to other branches; 2) Continue to track progress on the client level as part of NWTF’s social performance agenda and incorporate into NWTF’s tailored PPI tool; 3) Monitor the quality of the training delivery and regularly strengthen the risk management knowledge and training skills of NWTF staff; 4) Share tools, methodologies, and findings from the action research through national and international MFI networks to encourage efforts in improving clients’ risk management and to promote the concept of Decent Work. (...) Viet Nam Tao Yeu May (TYM) Client Training: Risk Management and Microinsurance *Strong impact on financial attitude; *Little impact on asset building; *Little impact on multiple borrowing / over-indebtedness; and *Little impact on vulnerability. 1) Continue to implement the client training on risk management and microinsurance at defined moments during TYM client interactions and roll out the training to other branches; 2) Continue to track progress on the client level as part of TYM’s social performance agenda; 3) Monitor the quality of the training delivery and regularly strengthen the risk management knowledge and training skills of TYM staff; 4) Strengthen the capacity of TYM staff to efficiently manage the Mutual Assistance Fund; and 5) Share tools, methodologies, and findings from the action research through national and international MFI networks to encourage efforts in improving clients’ risk management and to promote the concept of Decent Work. Peru Financiera Confianza New Multi-Risk Micro-insurance and Client Training *Significant positive impact on outstanding loan balances and number of other financial service providers used (multiple borrowing/overindebtedness) *No impact of financial education on insurance uptake (not significant) *Counter-intuitive results: -significant negative impact on risk management (fewer clients can meet unexpected expenses and cover monthly costs) -significant negative impact on late payments (overindebtedness) -signifcant negative impact on financial attitudes (need for insurance, savings for emergencies) Honduras Banco Popular New Health Insurance and Client Training No impact analysis due to change in research methodology Burkina Faso Fédération des caisses populaires du Burkina (FCPB) Training: Formalization and Enterprise Management *An increase in the registration of professional activities of clients with an increase in the number of activities moving from the informal sector to formal registration as a business; *An increase in number of clients separating their business accounts from their personal accounts; and *Increased awareness on the importance of social protection.

Score: 847693.8 - www.ilo.org/wcmsp5/grou...tdocumentation/wcms_186865.pdf

  Summary Table of MF4DW Results and Recommendations by MFI an

Philippines Negros Women for Tomorrow Foundation (NWTF) Emergency Savings Product (Individual Emergency Fund) *Strongest results: -Cross-borrowing and repayment difficulties decreased (positive impact on overindebtedness/multiple borrowing), -Improvement of precaution-related financial attitudes *Inconclusive results: -Financial behaviour/risk management -Vulnerability * Negative result: -Clients took less insurance (negative impact on asset building) 1) Continue to implement the Individual Emergency Fund and the Wealth training and roll out to other branches; 2) Continue to track progress on the client level as part of NWTF’s social performance agenda and incorporate into NWTF’s tailored PPI tool; 3) Monitor the quality of the training delivery and regularly strengthen the risk management knowledge and training skills of NWTF staff; 4) Share tools, methodologies, and findings from the action research through national and international MFI networks to encourage efforts in improving clients’ risk management and to promote the concept of Decent Work. (...) Viet Nam Tao Yeu May (TYM) Client Training: Risk Management and Microinsurance *Strong impact on financial attitude; *Little impact on asset building; *Little impact on multiple borrowing / over-indebtedness; and *Little impact on vulnerability. 1) Continue to implement the client training on risk management and microinsurance at defined moments during TYM client interactions and roll out the training to other branches; 2) Continue to track progress on the client level as part of TYM’s social performance agenda; 3) Monitor the quality of the training delivery and regularly strengthen the risk management knowledge and training skills of TYM staff; 4) Strengthen the capacity of TYM staff to efficiently manage the Mutual Assistance Fund; and 5) Share tools, methodologies, and findings from the action research through national and international MFI networks to encourage efforts in improving clients’ risk management and to promote the concept of Decent Work. Peru Financiera Confianza New Multi-Risk Micro-insurance and Client Training *Significant positive impact on outstanding loan balances and number of other financial service providers used (multiple borrowing/overindebtedness) *No impact of financial education on insurance uptake (not significant) *Counter-intuitive results: -significant negative impact on risk management (fewer clients can meet unexpected expenses and cover monthly costs) -significant negative impact on late payments (overindebtedness) -signifcant negative impact on financial attitudes (need for insurance, savings for emergencies) Honduras Banco Popular New Health Insurance and Client Training No impact analysis due to change in research methodology Burkina Faso Fédération des caisses populaires du Burkina (FCPB) Training: Formalization and Enterprise Management *An increase in the registration of professional activities of clients with an increase in the number of activities moving from the informal sector to formal registration as a business; *An increase in number of clients separating their business accounts from their personal accounts; and *Increased awareness on the importance of social protection.

Score: 847693.8 - https://www.ilo.org/wcmsp5/gro...tdocumentation/wcms_186865.pdf

  HAUT-COMMISSARIAT AU

Such solutions should ensure transparent lending and borrowing that benefits and is accountable to people. (...) Therefore, we ask that reference to these principles be made in para 85 along with UNCTAD’s principles on Responsible Sovereign Lending and Borrowing, and the efforts of the Working Party on Export Credits and Credit Guarantees of the OECD.

Score: 844501.8 - https://www.un.org/esa/ffd/ffd...tion-on-Debt-15-April-2015.pdf

  Lesson 06: Can They Afford to Borrow? Rates of Return and the Cost of Money

Lesson 06: Can They Afford to Borrow? Rates of Return and the Cost of Money FAO.org english français Español Plataforma de Conocimientos sobre las Cadenas de Valor Alimentarias Sostenibles ¿Qué es? Biblioteca Centro de Capacitación y Aprendizaje Área de Miembros Noticias y Eventos Área de inicio de sesión Registrarse Módulos Materiales individuales Lesson 06: Can They Afford to Borrow? Rates of Return and the Cost of Money 2010 País: Non-country specific Productos básicos: Non-Commodity specific Temas: Financial services Autor: Organización autora: Rural Finance Learning Centre (RFLC) Editorial: Rural Finance Learning Centre (RFLC) Categoría: Adecuación del nivel: Tipo: Learning material Formato: Online material Módulos: Lessons in Microfinance Referencias: EN Recursos externos: Recursos internos: Contacto Términos y condiciones Alerta de estafa Reportar mala conducta Empleo Adquisiciones Órganos rectores Oficina del Inspector General Evaluación Oficina Jurídica Oficina de Ética Departamentos y oficinas de la FAO Oficina Regional para África Oficina Regional para Asia y el Pacífico Oficina Regional para Europa y Asia Central Oficina Regional para América Latina y el Caribe Oficina Regional para el Cercano Oriente y África del Norte Oficinas subregionales X Síguenos en                                    Descarga nuestra App © FAO, 2022

Score: 844501.8 - https://www.fao.org/sustainabl...details-materials/es/c/275398/

  1 Papers on Selected

The holder does not have an ownership interest in the borrower, so the holder does not share in profits of the borrower. (...) Furthermore, financial institutions are in the business of “intermediation,” so borrowing is a fundamental part of the business model. (...) For instance, the ratio of debt to EBITDA provides information on the number of years that would be required for a taxpayer to pay off its debt if the borrower’s cash flow were entirely dedicated to repayment; therefore, this ratio could be a useful measure of the borrower’s ability to repay the debt.

Score: 844294.8 - https://www.un.org/esa/ffd/wp-...LimitingInterestDeductions.pdf

  Services for UN Staff | United Nations

Services for UN Staff | United Nations Skip to main content Toggle navigation Welcome to the United Nations العربية 中文 English Français हिन्दी Português Русский Español Kiswahili Dag Hammarskjöld Library Toggle navigation About » Contact Us Our Activities Our Mandate & History Our Collections UN Depository Libraries Library News Research the UN » UN Resources & Documents UN Digital Library Index to Proceedings Linked Data Services Research Guides Speeches Voting Information UN Member States on the Record Find » Articles, Books & More Databases Journals UN Resources & Documents UN Libraries Help » Training Research Guides Ask DAG Services for... » Delegates UN Staff Researchers & Librarians General Public Using the Library » Access Electronic Resources Borrow Books & More Print, Scan & Copy Request Articles, Books & Documents Visit the Library Open Science Conference 2021 Contact Us » Contact Us Search: Search:  Search for: Books, articles and more in DAG Discovery (this search will open in a new window) UN documents and publications in the United Nations Digital Library (this search will open in a new window) Services for UN Staff © Simon Ruf Our primary clients are the Permanent Missions of the Member States and UN Secretariat staff, who are encouraged to visit the Library.   (...) Additional Resources i-Seek  intranet  Official Document System (ODS) UN Journal Inspira   Umoja Employee Self-Service HR Portal Health Insurance Information Pension Fund May I borrow books from the Dag Hammarskjöld Library? What are the core values and competencies of UN staff? (...) Delegates UN Staff Researchers & Librarians General Public Research the UN UN Resources & Documents UN Digital Library Index to Proceedings Linked Data Services Research Guides Speeches Voting Information UN Member States on the Record Help Training Research Guides Ask DAG Using the Library Access Electronic Resources Borrow Books & More Print, Scan & Copy Request Articles, Books & Documents Visit the Library 153,000 pages digitized in 2020 OPENING HOURS Online: Mon-Fri: 9am–5pm ET Reading rooms: Open United Nations Donate twitter A-Z Site Index Contact Copyright FAQ Fraud Alert Privacy Notice Terms of Use

Score: 842172.5 - https://www.un.org/library/page/services-un-staff

  Services for UN Staff | United Nations

Services for UN Staff | United Nations Skip to main content Toggle navigation Welcome to the United Nations العربية 中文 English Français हिन्दी Português Русский Español Kiswahili Dag Hammarskjöld Library Toggle navigation About » Contact Us Our Activities Our Mandate & History Our Collections UN Depository Libraries Library News Research the UN » UN Resources & Documents UN Digital Library Index to Proceedings Linked Data Services Research Guides Speeches Voting Information UN Member States on the Record Find » Articles, Books & More Databases Journals UN Resources & Documents UN Libraries Help » Training Research Guides Ask DAG Services for... » Delegates UN Staff Researchers & Librarians General Public Using the Library » Access Electronic Resources Borrow Books & More Print, Scan & Copy Request Articles, Books & Documents Visit the Library Open Science Conference 2021 Contact Us » Contact Us Search: Search:  Search for: Books, articles and more in DAG Discovery (this search will open in a new window) UN documents and publications in the United Nations Digital Library (this search will open in a new window) Services for UN Staff © Simon Ruf Our primary clients are the Permanent Missions of the Member States and UN Secretariat staff, who are encouraged to visit the Library.   (...) Additional Resources i-Seek  intranet  Official Document System (ODS) UN Journal Inspira   Umoja Employee Self-Service HR Portal Health Insurance Information Pension Fund May I borrow books from the Dag Hammarskjöld Library? What are the core values and competencies of UN staff? (...) Delegates UN Staff Researchers & Librarians General Public Research the UN UN Resources & Documents UN Digital Library Index to Proceedings Linked Data Services Research Guides Speeches Voting Information UN Member States on the Record Help Training Research Guides Ask DAG Using the Library Access Electronic Resources Borrow Books & More Print, Scan & Copy Request Articles, Books & Documents Visit the Library 153,000 pages digitized in 2020 OPENING HOURS Online: Mon-Fri: 9am–5pm ET Reading rooms: Open United Nations Donate twitter A-Z Site Index Contact Copyright FAQ Fraud Alert Privacy Notice Terms of Use

Score: 842172.5 - https://www.un.org/en/node/75092