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FIDES Bank Namibia
Trustco Bank Namibia limited, formerly the FIDES Bank Namibia, is a commercial bank in Namibia owned by . Its main commercial activity is to provide microfinancing services. History The bank was built after a pilot project called '. This project developed microfinance activities from 2002 to 2010, targeting specifically rural population seeking to develop income generation activities. This project initially started in Ohangwena Region and moved to Ondangwa in 2005, Oshakati in 2006 and Outapi in 2007. Upon creation of the bank, then operating as ''FIDES Bank Namibia'', the portfolio of loan was transferred to the new institution, which developed from then on an MSME portfolio as well. The bank received its provisional banking license on 4 August 2009. and its permanent license on 1 February 2010. Activity The institution has its headquarters located in Ongwediva in Oshana Region (North-Central part of Namibia). It was one of five commercial banks in 2009 licensed to opera ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Privately Held Company
A privately held company (or simply a private company) is a company whose shares and related rights or obligations are not offered for public subscription or publicly negotiated in the respective listed markets, but rather the company's stock is offered, owned, traded, exchanged privately, or Over-the-counter (finance), over-the-counter. In the case of a closed corporation, there are a relatively small number of shareholders or company members. Related terms are closely-held corporation, unquoted company, and unlisted company. Though less visible than their public company, publicly traded counterparts, private companies have major importance in the world's economy. In 2008, the 441 list of largest private non-governmental companies by revenue, largest private companies in the United States accounted for ($1.8 trillion) in revenues and employed 6.2 million people, according to ''Forbes''. In 2005, using a substantially smaller pool size (22.7%) for comparison, the 339 companies on ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Microfinance
Microfinance is a category of financial services targeting individuals and small businesses who lack access to conventional banking and related services. Microfinance includes microcredit, the provision of small loans to poor clients; savings and checking accounts; microinsurance; and payment systems, among other services. Microfinance services are designed to reach excluded customers, usually poorer population segments, possibly socially marginalized, or geographically more isolated, and to help them become self-sufficient.Christen, Robert Peck Christen; Rosenberg, Richard; Jayadeva, Veena. ''Financial institutions with a double-bottom line: Implications for the future of microfinance''. CGAP, Occasional Papers series, July 2004, pp. 2–3. ID Ghana is an example of a microfinance institution. Microfinance initially had a limited definition: the provision of microloans to poor entrepreneurs and small businesses lacking access to credit. The two main mechanisms for the delive ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Loan
In finance, a loan is the lending of money by one or more individuals, organizations, or other entities to other individuals, organizations, etc. The recipient (i.e., the borrower) incurs a debt and is usually liable to pay interest on that debt until it is repaid as well as to repay the principal amount borrowed. The document evidencing the debt (e.g., a promissory note) will normally specify, among other things, the principal amount of money borrowed, the interest rate the lender is charging, and the date of repayment. A loan entails the reallocation of the subject asset(s) for a period of time, between the lender and the borrower. The interest provides an incentive for the lender to engage in the loan. In a legal loan, each of these obligations and restrictions is enforced by contract, which can also place the borrower under additional restrictions known as loan covenants. Although this article focuses on monetary loans, in practice, any material object might be lent. Ac ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Saving
Saving is income not spent, or deferred consumption. Methods of saving include putting money aside in, for example, a deposit account, a pension account, an investment fund, or as cash. Saving also involves reducing expenditures, such as recurring costs. In terms of personal finance, saving generally specifies low-risk preservation of money, as in a deposit account, versus investment, wherein risk is a lot higher; in economics more broadly, it refers to any income not used for immediate consumption. Saving does not automatically include interest. ''Saving'' differs from ''savings''. The former refers to the act of not consuming one's assets, whereas the latter refers to either multiple opportunities to reduce costs; or one's assets in the form of cash. Saving refers to an activity occurring over time, a flow variable, whereas savings refers to something that exists at any one time, a stock variable. This distinction is often misunderstood, and even professional economists an ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Market Segmentation
In marketing, market segmentation is the process of dividing a broad consumer or business market, normally consisting of existing and potential customers, into sub-groups of consumers (known as ''segments'') based on some type of shared characteristics. In dividing or segmenting markets, researchers typically look for common characteristics such as shared needs, common interests, similar lifestyles, or even similar demographic profiles. The overall aim of segmentation is to identify ''high yield segments'' – that is, those segments that are likely to be the most profitable or that have growth potential – so that these can be selected for special attention (i.e. become target markets). Many different ways to segment a market have been identified. Business-to-business (B2B) sellers might segment the market into different types of businesses or countries, while business-to-consumer (B2C) sellers might segment the market into demographic segments, such as lifestyle, behavior, ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Namibian Independence
The history of Namibia has passed through several distinct stages from being colonised in the late nineteenth century to Namibia's independence on 21 March 1990. From 1884, Namibia was a German colony: German South West Africa. After the First World War, the League of Nations gave South Africa a mandate to administer the territory. Following World War II, the League of Nations was dissolved in April 1946 and its successor, the United Nations, instituted a trusteeship system to reform the administration of the former League of Nations mandates and clearly establish majority rule and independence as eventual goals for the trust territories. South Africa objected arguing that a majority of the territory's people were content with South African rule. Legal argument ensued over the course of the next twenty years until, in October 1966, the UN General Assembly decided to end the mandate, declaring that South Africa had no further right to administer the territory, and that hencefor ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Insight Namibia
''insight Namibia'' is a monthly journal published in Namibia. The magazine was first published in September 2004. Its headquarters is in Windhoek. It covers current political, economic and social affairs and is owned and edited by Tangeni Amupadhi Tangeni Amupadhi is a Namibian journalist. He is the Editor-in-chief of ''The Namibian'', Namibia's largest English daily newspaper. In 2011 he took over from founding and long-serving editor Gwen Lister, who has been in the position for 26 year .... ''insight Namibia'' is perceived to be critical of government. Its political coverage has received several journalism awards. Events References External links O ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
New Era (Namibia)
The ''New Era'' is a daily national newspaper owned by the government of Namibia. The newspaper is one of four daily national newspapers in the country, the others being ''The Namibian'' (English and Oshiwambo), ''Die Republikein'' (Afrikaans) and '' Allgemeine Zeitung'' (German). ''New Era'' was created by the ''New Era Publications Corporation Act of 1992''. According to Ullamaija Kivikuru, it copied the format of ''The Namibian'' in order to establish credibility. The two newspapers still resemble each other in having long stories spread over several pages. ''New Era'' has a usual circulation of 9,000, going up to 11,000 on Fridays.Rothe, ''Media System and News Selections in Namibia'', p. 23. It was established as a weekly newspaper and was later published only bi-weekly. It has appeared daily since 2004. ''New Era'' is published in English and five indigenous languages: Otjiherero, Oshiwambo, Damara/Nama, Silozi, and Khwedam. ''New Era'' is published by the New Era Public ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Namibia Economist
The ''Namibia Economist'' is a Namibian newspaper published digitally that focuses on local business and financial topics. It is published exclusively in English English usually refers to: * English language * English people English may also refer to: Peoples, culture, and language * ''English'', an adjective for something of, from, or related to England ** English national ide ..., Daniel Steinmann is the editor. First published in 1991 it appeared as a printed monthly newspaper. ''Namibia Economist'' published its last printed edition on 25 November 2016. The web site was established in 2001 and continues. References {{reflist External links Official web site Online publishing English-language newspapers published in Namibia Weekly newspapers published in Namibia Newspapers established in 1996 1996 establishments in Namibia Finance & Investment articles by quality ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Portfolio (finance)
In finance, a portfolio is a collection of investments. Definition The term “portfolio” refers to any combination of financial assets such as stocks, bonds and cash. Portfolios may be held by individual investors or managed by financial professionals, hedge funds, banks and other financial institutions. It is a generally accepted principle that a portfolio is designed according to the investor's risk tolerance, time frame and investment objectives. The monetary value of each asset may influence the risk/reward ratio of the portfolio. When determining asset allocation, the aim is to maximise the expected return and minimise the risk. This is an example of a multi-objective optimization problem: many efficient solutions are available and the preferred solution must be selected by considering a tradeoff between risk and return. In particular, a portfolio A is dominated by another portfolio A' if A' has a greater expected gain and a lesser risk than A. If no portfolio dominate ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Outapi
Outapi wa Nakafingo na Temba, also Outapi or Uutapi and Ombalantu, is a town in northern Namibia near the border with Angola situated northwest of Oshakati. It is the capital of Omusati region and the district capital of the Outapi electoral constituency. The language spoken there is Oshiwambo. The town normally receives an annual average rainfall of , although in the 2010/2011 rainy season were measured. Economy and infrastructure In 2001, Outapi was the smallest town in Namibia, with a population of just over 2,600. It is, however, developing rapidly. There is a large number of newly constructed government buildings and shops in the south of the town. The town features several schools, a community hall, a hospital and a police station. There are two open markets, one at the baobab tree and one at Onhimbu. There is also a tourist lodge. Culture and tourism Within the former South African Army base is the famous ''Omukwa'' Ombalantu baobab tree, a baobab whose huge hollow tr ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
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