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The Role of Islamic Finance in Enhancing Financial Inclusion in Organization of Islamic Cooperation (OIC) Countries

Mohieldin, Mahmoud; Iqbal, Zamir; Rostom, Ahmed; Fu, Xiaochen
Fonte: Banco Mundial Publicador: Banco Mundial
Português
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25.92%
The core principles of Islam lay great emphasis on social justice, inclusion, and sharing of resources between the haves and the have nots. Islamic finance addresses the issue of "financial inclusion" or "access to finance" from two directions -- one through promoting risk-sharing contracts that provide a viable alternative to conventional debt-based financing, and the other through specific instruments of redistribution of the wealth among the society. Use of risk-sharing financing instruments can offer Shariah-compliant microfinance, financing for small and medium enterprises, and micro-insurance to enhance access to finance. And redistributive instruments such as Zakah, Sadaqat, Waqf, and Qard-al-hassan complement risk-sharing instruments to target the poor sector of society to offer a comprehensive approach to eradicating poverty and to build a healthy and vibrant economy. Instruments offered by Islam have strong historical roots and have been applied throughout history in various Muslim communities. The paper identifies gaps currently existing in Organisation of Islamic Cooperation (OIC) countries on each front...

The Challenges of Bankruptcy Reform

Cirmizi, Elena; Klapper, Leora; Uttamchandani, Mahesh
Fonte: Banco Mundial Publicador: Banco Mundial
Português
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36.22%
The 2008 financial crisis was followed by a global economic downturn, credit crunch, and reduction in cross-border lending, trade finance, remittances, and foreign direct investment, which adversely affected businesses around the world. The consequent increase in the number of firm insolvencies in the financial and corporate sectors highlights the importance of efficient bankruptcy laws. This paper summarizes the theoretical and empirical literature on bankruptcy design, discusses the challenges of introducing and implementing bankruptcy reforms, and presents examples of how policymakers are trying to use the current economic downturn as an opportunity to engage in meaningful reform of the bankruptcy process.

West Bank and Gaza - Investment Climate Assessment : Unlocking the Potential of the Private Sector

World Bank
Fonte: Washington, DC Publicador: Washington, DC
Português
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26.11%
It is the purpose of this Investment Climate Assessment (ICA) to look at what hinders the move of the Palestinians to new markets and what can be done to encourage it. The ICA reveals that shrinking market access and the lack of free movement are the main constraints to growth for Palestinian enterprises. Relative to other countries in the region, the Palestinian investment climate is good: petty corruption is low, the bureaucracy is relatively efficient and financial markets are well developed. Despite this, Palestinian enterprises have not invested enough to maintain their international competitiveness. However, the report points out that the growing settlements and movement restrictions imposed by Israeli authorities for security reasons overshadow all other elements of the investment climate. The restrictions close off markets, raise transaction costs and prevent producers from guaranteeing delivery dates. The closures also serve to keep firms small and prevent them from attaining minimum efficient scale. The ICA policy recommendations fall into three broad categories: movement and access...

Winning through Cross-Cutting : Breaking Down IFC Silos to Promote Access to Finance in Rural Bangladesh

Kamal, Sayed Tarek; Haque, Mekhola; Zaman, Zaki Uz
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Português
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46.44%
In an increasingly congested market for financial institutions in the major cities of Bangladesh, United Leasing Company (ULC), an International Finance Corporation (IFC) partner financial institution, decided to go where other such institutions were not yet focusing, rural Bangladesh. The smart lesson describes how IFC South Asia Enterprise Development Facility (SEDF) was able to leverage internal expertise and help ULC take a first-mover position and access viable businesses in rural Bangladesh.

Saving Viable Businesses : The Effect of Insolvency Reform

Klapper, Leora
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Português
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56.34%
The 2008 financial crisis and consequent rise in corporate insolvencies highlight the clear need for efficient bankruptcy systems to liquidate unviable firms and reorganize viable ones and to do so in a way that maximizes the proceeds for creditors, shareholders, employees, and other stakeholders. This note summarizes the empirical literature on the effect of insolvency reforms on economic and financial activity. Overall, research suggests that effective reforms increase timely repayments, reduce the cost of credit, and lower the rate of liquidation among distressed firms.

Measureable Results! Doing Business Project Encourages Economies to Reform Insolvency Frameworks

Saltane, Valentina; Chen, Rong; Guzman, Nuria Moya
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Português
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26.11%
Over the past 10 years, nearly 100 economies have reformed their insolvency regimes as a result of many factors, such as financial crises and to some extent the International Finance Corporation, or IFC and World Bank doing business project. In the aftermath of the global financial crisis, governments around the world implemented extensive insolvency reforms aimed at strengthening regulatory mechanisms for resolving insolvency cases, to stimulate entrepreneurship and generate a more efficient allocation of market resources. This smart lesson discusses two of the main best practices that stem from the key reform areas: determination of business viability, and introduction of reorganization proceedings.

Mobile Usage at the Base of the Pyramid in South Africa

World Bank
Fonte: Washington, DC Publicador: Washington, DC
Português
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26.11%
Mobile phones are the primary means of accessing information or communicating for those who live at the base of the pyramid (BoP). It is likely that the mobile phone will therefore also be the preferred medium to provide value-added services to those at the BoP, whether they are private users or informal businesses, for the foreseeable future. Although the prepaid mobile model has brought voice and text services to this group, sustainable, replicable models for enhanced services, products and applications are far more limited. The purpose of the study is to investigate the demand for mobile applications, services and products, with a view to increasing economic opportunities and improving well-being for users at the BoP. The key objectives of the study are the following: i) to increase understanding of the actual usage of mobile services, products and applications at the BoP, and to understand their potential for economic and social empowerment; ii) to identify scalable examples of services, products and applications at the concept...

The Palestinian Information Technology Association of Companies : Moving Forward on Information and Communications Technology and Innovation

Abukumail, Ali H.
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Português
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26.22%
The economy of the Palestinian territories, hampered by years of conflict, occupation, and insecurity remains dependent on foreign aid and the public sector remains the largest employer. Jobs are too few and manufacturing, agriculture, services, including tourism are in decline. As a recent Bank report noted while the Palestinian Authority (PA) has had considerable success in building the institutions of a future state, it has made less progress in developing a sustainable economic base. The recent growth has largely been driven by donor aid. This situation is unsustainable and aid levels have already begun to fall. Fora future Palestinian state to be viable, it is necessary that a private sector led economy is able to generate the jobs needed by a rapidly growing population and the resources required by the government to provide services. Despite multiple challenges in the investment climate, the Palestinian information and communications technology (ICT) sector has managed to grow and integrate with regional and international businesses. It is a fast growing start-up sector...

IFC Mobile Money Study 2011

International Finance Corporation
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Trabalho em Andamento
Português
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26.11%
Although a number of m-money businesses have emerged around the world, few have reached significant scale. Overall, m-money uptake is limited when contrasted with its apparent promises of reaching the unbanked and underserved, of servicing existing banking clients, and of being a means for a cashless society. This study examines the following in more detail: existing major money flows and the critical mass of low-value, high-volume payment transactions and whether m-money can be used for them (i.e., potential demand); regulatory environment and major obstacles for m-money uptake; business models of partnering institutions; payment behavior of users and nonusers (banked and unbanked), in particular where they receive funds and how they use money, including alternative means; and existing and potential agents networks, their requirements to run m-money as a viable business, and their training needs. This report provides detailed information regarding the five main topics as they relate to Brazil, business models...

IFC Mobile Money Study 2011

International Finance Corporation
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Trabalho em Andamento
Português
Relevância na Pesquisa
26.11%
Although a number of m-money businesses have emerged around the world, few have reached significant scale. Overall, m-money uptake is limited when contrasted with its apparent promise of reaching the unbanked and underserved, servicing existing banking clients, and being a means for realizing a cashless society. This study examines the following in more detail: existing major money flows and the critical mass of low-value, high-volume payment transactions and whether m-money can be used for them (i.e., potential demand); regulatory environment and major obstacles for m-money uptake; business models of partnering institutions; payment behavior of users and nonusers (banked and unbanked), in particular where they receive funds and how they use money, including alternative means; and existing and potential agents networks, their requirements to run m-money as a viable business, and their training needs. This report provides detailed information on Thailand regarding five main topics, business models, money flows and demand...

More than Just Words : How the Africa Round Table is Enabling Meaningful Reforms across Africa

Uttamchandani, Mahesh; Menezes, Antonia
Fonte: International Finance Corporation, Washington, DC Publicador: International Finance Corporation, Washington, DC
Tipo: Publications & Research :: Brief; Publications & Research
Português
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26.11%
This brief showcases the lessons learned from the Africa Round Table (ART), a collaborative forum that has brought together countries from east, west, and southern Africa. The forum has led to more than five distinct insolvency reforms that have helped strengthen countries' credit environments. By leveraging their joint capacities, IFC and the World Bank have helped Sub-Saharan African countries address the challenges of the financial crisis, strengthen ties across professions, and in the process create a guiding example for evoking lasting change in a country.

Rebalancing Serbia's Economy : Improving Competitiveness, Strengthening the Private Sector, and Creating Jobs

World Bank Group
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Economic & Sector Work :: Policy Note
Português
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26.11%
Serbia's economy is out of balance and performing below its potential. Since the post, Yugoslavian transition, Serbia's economy has been running on one engine, the non-tradable sector and expansion of domestic demand. This was financed with ample capital inflows, which were sharply reduced since 2008 as the global economic crisis escalated. While this consumption-led growth produced some improvements in living standards, it was not sustainable and created hardly any formal jobs. This explains why Serbia's job market is also out of balance. Less than half of the working-age population has a job at all, and among those that are formally employed, almost half are employed in the public sector. This note identifies three priority areas and a set of specific measures which complement other important reforms, especially those related to improving the country's macroeconomic and fiscal position. The reforms will make it easier to invest, operate a business, and create jobs. The measures could be implemented within a relatively short period of time...

Out-of-Court Debt Restructuring

Garrido, Jose M.
Fonte: World Bank Publicador: World Bank
Tipo: Publications & Research :: Publication; Publications & Research :: Publication
Português
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26.07%
This study provides a conceptual framework for the analysis of the questions of out-of-court debt restructuring from a policy-oriented perspective. The starting point of the analysis is given by the World Bank principles for effective insolvency and creditor rights systems. The study offers an overview of out-of-court restructuring, which is not seen as fundamentally opposed to formal insolvency procedures. Actually, the study contemplates different restructuring techniques as forming a continuum to the treatment of financial difficulties. The study discusses the advantages and disadvantages of all the debt restructuring techniques, and concludes, in this regard, that a legal system may contain a number of options a menu that can cover different sets of circumstances. In the end, the law may offer a toolbox with very different instruments that the parties may use depending on the specific facts of the case. The study also provides a checklist that can be used to examine the features of a legal system that bear a direct influence on debt restructuring activities.

IFC Mobile Money Study 2011; Summary Report

International Finance Corporation
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Working Paper; Publications & Research; Publications & Research :: Working Paper
Português
Relevância na Pesquisa
36.11%
Mobile money (m-money) refers to the use of mobile phones to perform financial and banking functions. However, the technology is far ahead of the infrastructure of financial and technical network service providers needed for an m-money system to function. This study was undertaken to increase the understanding of m-money and to address key issues in scaling up development of m-money services globally. It examines the potential demand for m-money, national regulatory environments, major obstacles, and the requirements of potential service providers and networks to run m-money services as viable businesses. Four countries - Brazil, Nigeria, Sri Lanka, and Thailand - each of which represents a different world region, socioeconomic situation, and financial sector context, were included in the study. The countries were analyzed in terms of m-money business models, money flows and demand, potential user perceptions and behavior, regulations, and agent networks. In each country, an m-money service provider acted as a partner institution. To place these four countries in the wider context of m-money developments...

CENTEV/UFV Technology Incubator : Brazil Case Study

World Bank
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Publications & Research :: Working Paper; Publications & Research
Português
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26.22%
A professor at Brazil's prestigious Federal University of Vicosa saw a need on campus for an incubator to support technologically-oriented businesses, including agribusinesses. This resulted in the CENTEV Technology Incubator, which is partially funded by the university but which also receives state and private grants. Its function is to nurture entrepreneurs to develop viable technology based businesses by providing them with management assistance and augmenting their technical capabilities with expert academic advice. The incubator s 24 graduates are still in business, with average revenues of $2.5 million a year.

Guiding Ideas from Mind to Market : Learning from infoDev's Mobile Microwork Innovation Competition

World Bank
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Publications & Research :: Working Paper; Publications & Research
Português
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26.26%
The Information for Development Program's (InfoDev) "From Mind to Market" approach was designed to bridge early-stage innovation support gaps and guide promising ideas on toward minimum viable products, ultimately turning them into sustainable businesses. The approach aims to source ideas from a large talent pool and spur the best innovators to turn their innovations into sustainable, growth-oriented start-ups. The primary goal is start-up creation. Secondary goals include the generation of pools of ideas and prototypes, the creation of basic topical knowledge for a large group of innovators, and broader awareness-raising around a new topic, as well as partnership and capacity-building for implementation partners. This report summarizes the approach, which is based on four steps: 1) the identification of a novel topic with market potential and high potential for international development; 2) the implementation of a broad based collaborative, open innovation competition; 3) the implementation of an activity that forges minimum viable products through face-to-face support at sites across the globe; and 4) the follow-up with a program of incubation and acceleration for the best and most committed innovators.

Impacto del rol de la British American Tobacco Colombia sobre el bienestar colectivo

Barranco Reiss, Luis Eduardo; Rodríguez Botero, Camilo
Fonte: Facultad de administración Publicador: Facultad de administración
Tipo: info:eu-repo/semantics/bachelorThesis; info:eu-repo/semantics/acceptedVersion Formato: application/pdf
Publicado em 29/05/2012 Português
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El presente documento ofrece un estudio del Proyecto de Tabaco Orgánico, el cual busca mejorar las condiciones de vida de un grupo particular de personas, por medio de un modelo de negocio sustentable y replicable, con unas características únicas, ya que el cultivo de tabaco orgánico es un proyecto pionero en el mundo entero. Para el desarrollo de este trabajo, se uso la metodología sugerida por docentes de la Universidad del Rosario (François Contreras, Juan Bernardo Gaitán y Carlos Méndez) quienes proponen hacer un estudio de caso que permita evidenciar el impacto que tiene la British American Tobacco Colombia en una determinada población con su modelo de gestión que involucra los siguientes componentes: Responsabilidad Social Empresarial, Negocios inclusivos, modelo de negocio sustentable y replicable, retos administrativos, logísticos y de liderazgo. Sin embargo, al ser un proyecto que no ha culminado, se hace necesario compararlo con el modelo más exitoso cercano conocido en Colombia, que se llama Lo Social Paga, realizado por la empresa Indupalma Ltda. Lo cual nos permitirá construir prospecciones y generar conclusiones sobre el buen desarrollo del Proyecto y su futuro.; The present document offers a study of the Organic Tobacco Project to improve the conditions of life of a particular group of people...

The judicial reorganization of companies; A recuperação judicial de empresas

Teixeira, Tarcisio
Fonte: Universidade de São Paulo. Faculdade de Direito Publicador: Universidade de São Paulo. Faculdade de Direito
Tipo: info:eu-repo/semantics/article; info:eu-repo/semantics/publishedVersion; ; Formato: application/pdf
Publicado em 01/01/2012 Português
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26.07%
This paper addresses the Judicial Reorganization of Companies based on the Entrepreneurial Doctrine, consistent with the Law 11.101/2005 as well as with Brazilian jurisprudence. It presents both the judicial reorganization as one kind of reorganization of companies and the preservation of viable business principle, which has become a guideline for legal positions since collective interests take precedence over the individual interest. Before looking into the reorganization plan, its economic viability and approval, the paper covers the legal system of the judicial reorganization, which includes its legal character, assumptions, claims, requirements and means of reorganization. The feasibility of reorganization of cooperatives and rural companies as well as the reorganization of small businesses and small-sized companies is at last addressed.; O presente artigo trata da recuperação judicial de empresas a partir da doutrina empresarialista, da Lei n. 11.101/2005 e da jurisprudência brasileira. Verifica que a recuperação judicial é uma das espécies de recuperação de empresas, bem como que o princípio da preservação da empresa tem sido o grande norteador da doutrina e jurisprudência, especialmente quando se trata de firmar-se no sentido da prevalência do interesse coletivo em detrimento de interesses individuais. Analisa o regime jurídico da recuperação judicial...

Crowdfunding for Chinese Social and Environmental Small and Growing Businesses: An Investigation of the Feasibility of using U.S.-Based Crowdfunding Platforms

Yip, Christine
Fonte: Universidade Duke Publicador: Universidade Duke
Tipo: Masters' project
Publicado em 16/04/2014 Português
Relevância na Pesquisa
26.11%
Background China’s “open door” policy transformed the country’s economy, but at a social and environmental cost. Chinese Social and Environmental (SE) Small and Growing Businesses (SGBs) can help China face these challenges through economic development, poverty alleviation, and environmental benefits. Yet Chinese SE SGBs are limited by their lack of finance. Crowdfunding, soliciting small amounts of funding from many people, provides an alternative to traditional finance. Currently, the Asian crowdfunding industry is small relative to that of the U.S. Chinese SE SGBs may find that using U.S.-based crowdfunding platforms can generate more funding especially if they target Chinese diaspora and the SE community. The China Impact Fund (CIF) is investigating whether crowdfunding is a viable financing option. Research Question Is it feasible for Chinese SE SGBs to use U.S.-based crowdfunding platforms to gain access to financing? Research Strategy My research project assists CIF in assessing the feasibility of Chinese SE SGBs to use U.S.-based crowdfunding platforms. I break feasibility into three key research components: 1. Accessibility to U.S.-based crowdfunding platforms. 2. Burden (Time) of crowdfunding. 3. Funding received. The Accessibility benchmark and either the Burden or Funding must pass for the research question to be “feasible”. Chinese SE SGBs must be able to access U.S-based crowdfunding platforms. However...

Principles for Effective Insolvency and Creditor-Debtor Rights Systems, Revised 2015

World Bank
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Tipo: Report; Economic & Sector Work; Economic & Sector Work :: Insolvency Assessment
Português
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26.11%
Effective creditor/debtor rights and insolvency systems are an important element of financial system stability. The World Bank Group accordingly has been working with partner organizations to develop principles for insolvency and creditor/debtor rights systems. The Principles for Effective Insolvency and Creditor/Debtor Rights Systems (the Principles) are a distillation of international best practice on design aspects of these systems, emphasizing contextual, integrated solutions and the policy choices involved in developing those solutions.Based on the experience gained from the use of the Principles, and following extensive consultations, the publication has been thoroughly reviewed and updated in 2005, 2011 and 2015. The revised Principles contained in this document have benefited from wide consultation and, more importantly, from the practical experience of using them in the context of the Bank’s assessment and operational work.