Sunday, December 29, 2019

Factors Hindering Financial Inclusion in Uganda A Case...

FACTORS HINDERING FINANCIAL INCLUSION IN UGANDA: A CASE STUDY OF KAMULI DISTRICT. CHAPTER ONE: INTRODUCTION Background to the Study Uganda’s Vision 2040 highlights access to finance as one of the barriers among others that are affecting the competitiveness of the economy. Most individuals and firms access credit from informal sources. One of the reasons for the limited access to credit is the low level of domestic savings which affects the ability by institutions to offer long term finance. As such, the Government of Uganda (GoU) intends to increase gross national savings from the current level of 14.5 percent to about 35 percent of GDP by 2040, as a means to accelerate structural transformation (National Planning Authority, 2013). Uganda†¦show more content†¦There are six credit institutions and four MDIs, which are complementing commercial banks in the provision of financial products and services to the population. In addition, 20 insurance companies are licensed and regulated by the Insurance Regulatory Authority (IRA). The financial structure also comprises of the microfinance institutions (MFI) which include SACCOs of Tier 41 by grading, providing financial services to people in peri-urban and rural areas. Since 2009, there has been a tremendous evolution in mobile money services that has changed Uganda’s financial landscape to include a large proportion of the population that was formerly excluded from the financial services sector. Despite the noted improvements, financial deepening in Uganda is still very low and the financial system remains under-developed in a number of respects. The banking sector is still highly concentrated with 3 out of 24 commercial banks accounting for approximately 50 percent of the total market share i.e. assets, deposits and number of branches (Lwanga et al. 2013). Most commercial bank branches are concentrated in the capital, Kampala, and other urban centres leaving the rural population with no access to commercial bank services. The cost of credit in Uganda is still very high with prime lending rates averaging 15 percent. Interest rate spreads— one of the measures of the efficiency of the banking sector and therefore instrumental in the mobilization of investible

Saturday, December 21, 2019

Assessment Task 3 Portfolio Of Evidence - 900 Words

Assessment Task 3 – Portfolio of Evidence Professional development policy The five main steps in determining and executing training in an organisational context: analyse the required standards, analyse the current skill and knowledge level, determine the skills/ knowledge gap, identify training solutions and evaluate performance after training. Networks Identified Benefits How you can develop this network? Victorian Chamber of Commerce and Industry Get training on customer service, network with m o r e e x p e r i e n c e d employees Register and attend events organized by the network Business Leaders Council Network with experienced leaders, share ideas, engage in debate, improve l e a d e r s h i p a n d management skills Register, attend meetings, follow up with network contacts Australian Federation of Employers and Industries Information on payroll and t r a i n i n g o n p a y r o l l legislation Register, send emails or call for advice, attends events Public Relations Institute of Australia Improve communication, interactive and public relations skills Become member, attend relevant training R i s k M a n a g e m e n t Association Australia Learn to identify, evaluate and control workplace hazards Become member, attend events, participate in online forum It is important to ensure that the learning goals and the learning methodologies are tailored to suit the needs of the organisation because it is way that the training will be in accordance with the organisation’sShow MoreRelatedAssessment Task 3 : Portfolio Of Evidence1352 Words   |  6 PagesAssessment Task 3 – Portfolio of Evidence Professional development policy The five main steps in determining and executing training in an organisational context: analyse the required standards, analyse the current skill and knowledge level, determine the skills/ knowledge gap, identify training solutions and evaluate performance after training. 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Thursday, December 12, 2019

Part One Essay Example For Students

Part One Essay Brief Descriptions of the Following Astronomers:Walter Baade : Baade was a German-born American, whose work gave new estimates for the age and size of the universe. During the wartime, blackouts aided his observatons and allowed him to indentify and classify stars in a new and useful way, and led him to increase and improve Hubbles values for the size and age of the universe (to the great relief of geologists.) He also worked on supernovae and radiostars. Milton Humason : Humason was a colleague of Edwin Hubbles at Mt. Wilson and Palomar Mtn. who was instrumental in measuring faint galaxy spectra providing evidence for the expansion of the universe. Jan Oort : In 1927, this Dutch astronomer proved by observation (in the Leiden observatory) that our galaxy is rotating, and calculated the sirance of the sun from the centre of the galaxy and the period of its orbit. In 1950 he sugested the exsistence of a sphere of incipent cometary material surrounding the solar system, which is now called the Oort cloud. He proposed that comets detached themsleves from this Oort-cloud and went into orbit around the sun. From 1940 onwards he carried out notable work in radio astronomy. Harlow Shapley : Shapley deduced that the Sun lies near the central plane of the Galaxy some 30,000 light-years away from the centre. In 1911 Shapley, working with results given by Henry N. Russell, began finding the dimensions of stars in a number of binary systems from measurements of their light variation when they eclipse one another. These methods remained the standard procedure for more than 30 years. Shapley also showed that Cepheid variables cannot be star pairs that eclipse each other. He was the first to propose that they are pulsating stars. In the Mount Wilson Observatory, Pasadena Calif., in 1914, he made a study of the distribution of the globular clusters in the Galaxy; these clusters are immense, densely packed groups of stars, some containing as many as 1,000,000 members. He found that of the 100 clusters known at the time, one-third lay within the boundary of the constellation Sagittarius. Utilizing the newly developed concept that variable stars accurately reveal their distance by their period of variation and apparent brightness, he found that the clusters were distributed roughly in a sphere whose centre lay in Sagittarius. Since the clusters assumed a spherical arrangement, it was logical to conclude that they would cluster around the centre of the Galaxy; from this conclusion and his other distance data Shapley deduced that the Sun lies at a distance of 50,000 light-years from the centre of the Galaxy; the number was later corrected to 30,000 light-years. Before Shapley, the Sun was believed to lie ne!ar the centre of the Galaxy. His work, which led to the first realistic estimate for the actual size of the Galaxy, thus was a milestone in galactic astronomy. Allan Sandage : Sandage (U.S) discovered the first quasi-stellar radio source (quasar), a starlike object that is a strong emitter of radio waves. He made the discovery in collaboration with the U.S. radio astronomer Thomas A. Matthews. Sandage became a member of the staff of the Hale Observatories (now the Mount Wilson and Palomar Observatories), in California, in 1952 and carried out most of his investigations there. Pursuing the theoretical work of several astronomers on the evolution of stars, Sandage, with Harold L. Johnson, demonstrated in the early 1950s that the observed characteristics of the light and colour of the brightest stars in various globular clusters indicate that the clusters can be arranged in order according to their age. This information provided insight into stellar evolution and galactic structure. Later, Sa ndage became a leader in the study of quasi-stellar radio sources, comparing accurate positions of radio sources with photographic sky maps and then using a large optical telescope to find a visual starlike source at the point where the strong radio waves are being emitted. Sandage and Matthews identified the first of many such objects Sandage later discovered that some of the remote, starlike objects with similar characteristics are not radio sources. He also found that the light from a number of the sources varies rapidly and irregularly in intensity. Part TwoCerro Tololo Interamerican