Kembara's Financial Solutions -Impact Investing
As the name implies, "impact investing" refers to financial investments that aim to have a good influence on society or the environment as well as provide a financial return. Investors are able to make investments with peace of mind knowing that they will have a positive impact. Microfinance and gender lens investing are two forms of impact investing. Gender-focused investment Focusing on investments that will advance gender equality and open doors for women is known as gender lens investing. These possibilities can include providing funding so that women can start or grow their enterprises or contributing to the development of goods and services that will benefit women and girls. Investors can also use a "gender lens" by pressing for a proper gender balance on the board of directors and in the overall workforce, as well as by putting pressure on the business to achieve parity in working conditions, such as pay rates for male and female employees. Microfinance Microfinance aims to help people with low incomes or those without jobs who wouldn't typically have access to traditional financial services. Microfinance often takes the form of low value loans (microloans), which are frequently accompanied with some financial or business education. It frequently targets underdeveloped or developing countries. It typically assists sole proprietors, family enterprises, and small cooperatives in becoming more organized in order to purchase the necessary equipment, which makes them more solid and robust. Importantly, it can also eliminate the need for the poor to turn to expensive and frequently unethical moneylenders. 6)Introduction – Saving and Borrowing Don't let us deceive ourselves. To the majority of us, the financial services industry appears to be quite complex. Why is that so? Well, it's mainly due to the technical jargon that is used to explain things; just a few examples include bonds, shares, funds, interest rates, and inflation rates. You might benefit in a number of ways from this. Perhaps you might consider a career in finance. Maybe all you need to do is learn how to better handle your own or your family's finances. We hope that this program of study will enable you to accomplish either one or both! Let's begin by attempting to convey the financial industry as simply as possible. Consider it as the connecting factor between two groups; we'll call one "savers" and the other "borrowers." The fortunate savers currently have more money than they need, so they want to invest it in a way that will hopefully cause it to increase. Some of these savers have significantly more extra cash than others, and they could be people, businesses, or governments. In the financial services industry, people with significant financial surpluses are often referred to as "high net worth individuals" (HNWIs). A number of businesses also have cash on hand. Apple, for instance, had over $36 billion in its bank accounts at the end of 2020. Borrowers might be people, businesses, or governments, just like savers. A small start-up company like CareerComic, which is described below, is an example of a borrower. Example Young college grads with a fantastic concept. They believe that other college grads and schoolchildren would adore having access to a database of jobs that are presented in a humorous, straightforward, and understandable manner. They plan to compile a comic strip called CareerComic that depicts a day in the life of each career. They have discussed their ideas for CareerComic with others, and they may have even found an investor who will give them some funding so they can create a high-quality prototype of the comic. The investor will receive a 50% stake of the company in exchange for their investment; they are anticipating that the company will grow and become very valuable in the future. The bridge connecting savers and borrowers is provided by financial markets. There are three basic ways to connect the two: through banks, stock, and bonds.
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May 2023
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