Answer:
Lack of funding is one of the major challenges in the development of micro enterprises in sub-Saharan Africa. One of the ways small business holders survive is by belonging to informal interdependent societies. The availability of finance is necessary for small business development and players in the market often use informal avenues. These include friends and family, moneylenders and informal savings schemes such as Esusu in West Africa and stokvels in South Africa. Esusu operate as a savings group, an insurance scheme and an avenue for social interaction. The scheme operates under a trustworthy leader who manages a fixed contribution that is shared among members based on rotation. The membership size, amount contributed and interval are usually agreed on by members. These groups aid social interaction, give financial support and expose members to business opportunities due to their interdependent nature. David Harper explains this extensively in his book on entrepreneurship and development. He argues that interdependent societies support economic development and cites Berber (Morocco), Yoruba (Nigeria), Akan (Ghana), and Kikuyu (Kenya) as examples of interdependent societies with entrepreneurial traits. He describes them as such because groups of people save together, and entrepreneurs have access to finance. Esusu is a financial or credit institution based on rotation with different variations. It is popular among the Yoruba in Nigeria and Benin, the Akan of Ghana, and the people of African descent in Trinidad and Tobago, Bahamas, Cuba and Brazil. Members contribute an amount that is agreed on at weekly or monthly meetings and a ballot is used to decide the individual who will be the recipient of the contribution. For instance, if there are 10 members in a group and each contributes US$10, the recipient will receive $100. The rotation will continue until all members get paid after which the Esusu is dissolved. Members can restart the scheme all over again. The Hausas call the same scheme Adachi which is synonymous with the Akans’ Susu in Ghana.
The challenges with Esusu include:
the need for a trustworthy leader,members can only get what they contribute, although there can be an advance, and sustainability.Not with-standing these challenges, sub-Saharan African entrepreneurs reduce their risk by belonging to more than one interdependent social group.These informal savings arrangements are great, but they only go so far. Credit societies can help. Cooperative thrift and credit societies can address some of the shortcomings of Esusu. These are member-based organisations that help members to address economic problems. The ultimate goal is to encourage thrift among the members and to meet the credit needs of people who might otherwise be exposed to exploitation. Members are known for strong commitment and participation in decision making. These societies mobilise local savings and administer credit to members, thereby encouraging thrift and entrepreneurial activity. They have relatively simple administrative processes and transaction costs are small and shared. Interest income from loans and return on investments may either be distributed to the members or reinvested in the society within a given period. These have made micro entrepreneurs in some countries in sub-Saharan Africa competitive. I have witnessed this among the cocoa farmers and agricultural processors in southwestern Nigeria. A study of micro entrepreneurs in Nigeria indicates that individuals who belong to these societies have higher personal agency and belief in themselves. They believe that they are competent and that their actions can lead to desired outcomes such as better access to credit and increased micro enterprise performance in the form of growth, revenue, profitability and number of employees. In other words, these societies give more than credit facilities to members. They create a learning environment by giving technical support and aiding improved social interaction. They can deliver these services because they have both formal and informal attributes and are registered and recognised by the government. Members contribute what they can afford and their savings and reputation serve as their collateral. There are usually social ties among members which makes it difficult for people to abscond from the repayment of their loans. Members can borrow twice or three times the amount they have in savings. The modality depends on the society. The interest rate is 5% and is deducted before the applicant receives the loan. Loan recipients are usually given a year to repay their debt. The recipient can continue to save while repaying the debt or take a break from savings till repayment is completed. They invest in other business ventures and do profit sharing at the end of the year based on the share of each member.
May pilipino ba dito?
Answer:
OO, AKOOOOOOO pilipino
What’s the answer to this questions
What caused the Red Scare and What was the impact the Red Scare on the United States
Answer:
According to a source:
Red Scare Impact The Red Scare was hysteria over the perceived threat posed by Communists in the U.S. during the Cold War between the Soviet Union and the United States, which intensified in the late 1940s and early 1950s. (Communists were often referred to as “Reds” for their allegiance to the red Soviet flag.)
Hope this helps!
One of the main reasons of the Red Scare was World War I, which prompted many people to adopt strong patriotic and anti-immigrant sentiments.
The Bolshevik Revolution in Russia sparked fears that foreigners, notably from Russia, Europe, were plotting to topple the US administration.
Even during Great War seen between Ussr And the united Countries, which increased in the 1940s and 1950s, the Red Scare was panic about the potential threat presented by Communism in the The Us.
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A nation needs capital to become industrialized. true or false
Answer: true
Explanation:
McCarthy noted that “we are engaged in a final, all out battle.” How did he characterize
the two sides in the “battle”? Why do you think he portrayed the Cold War in this manner?
The correct answer to this open question is the following.
McCarthy noted that “we are engaged in a final, all-out battle.” How did he characterize the two sides in the “battle”?
What Republican Wisconsin Senator Joseph McCarthy did was to confront the American People by accusing that several members of the federal government and the US military had ties with Communists or were Communists.
Why do you think he portrayed the Cold War in this manner?
I think he was a cruel person with peculiar political ambitions because he did accuse people but never present a valid or serious argument or piece of evidence to support his claims. He only accused people, affecting their public image and reputation. And that was so wrong. However, he scared and alienated many citizens and made the federal government investigate the alleged cases.
do you know what I can put here
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For this task you will be talking from the viewpoint of a great Souix leader. Tonight, you will speak with your people on your thoughts (as a leader of the tribe) on the new people (The Corps.) that came in to your village today. How do you feel about these outsiders coming into your homeland? Do you trust them? How do you interpret the "Peace Medal” that they presented you? Do you consider these strangers to be friends or foes, and why? What will you do next?
Answer:
friends i think well please mark it
Have a great night day afternoon wherever you are :D
Explanation:
How did US leaders respond to the threat of Soviet Expansion in
Europe?
Answer:
Explanation:
World War II convinced U.S. leaders that the policies of isolationism and appeasement had been mistakes. To counter the growing Soviet threat, they sought new ways to keep the U.S. safe and protect its interests abroad.
How did the Navajo code talkers help the Allied forces win the war in the Pacific
Answer:
In 1942, 29 Navajo men joined the U.S. Marines and developed an unbreakable code that would be used across the Pacific during World War II. They were the Navajo Code Talkers. The Code Talkers conveyed messages by telephone and radio in their native language, a code that was never broken by the Japanese.
Explanation:
what happened to the Indus valley civilization
Many scholars believe that the collapse of the Indus Valley Civilization was caused by climate change. Some experts believe the drying of the Saraswati River, which began around 1900 BCE, was the main cause for climate change, while others conclude that a great flood struck the area.
According to another theory by British archaeologist Mortimer Wheeler, a nomadic, Indo-European tribe, called the Aryans, suddenly overwhelmed and conquered the Indus River Valley.
explain the controversy that arose involving the importation of slaves
Answer:
Salvery
Explanation:
Its Slavery
9. For an amendment to be ratified, it must be approved by what fraction of the states? C. three-fourths A. one-half B. one-third D. nine-tenths
Answer:
9/13 so technically the answer is C). three-fourths
Explanation:
Mark me Brainliest Please.Answer:
three-fourths
Explanation:
Got it right on Edmentum/ Plato
The Texas Bill of Rights promises citizens the right to peacefully assemble. This means that
citizens are allowed to overthrow the government if it is unfit.
citizens are allowed to overthrow the government if it is unfit.
people can join together and express their common interests.
people can join together and express their common interests.
people have the right to practice a religion of choice.
people have the right to practice a religion of choice.
citizens are at liberty to write or publish their opinions.
citizens are at liberty to write or publish their opinions.
Answer: People can join together and express their common interests.
Explanation: Please give me brainliest if you can!
Why did President Jackson support the removal of Native Americans?
1.He hoped to distract attention from the rising economic crisis.
2.He hoped it would weaken the power of the U. S. military.
3.He hoped to gain support from Native American leaders.
4.He hoped to make more land available for white settlement.
Answer
4, He hoped to make more land available for white settlement.
Explanation:
Jackson wanted to spread west to establish American city's and sieze native land.
What body of water did the Tacoma Narrows Bridge cross?
Lake Erie
The Mississippi River
The Pacific Ocean
Puget Sound
Answer:
Puget Sound
Explanation:
Have a good time!
Are my answers right or wrong or do I need to add an answer
Answer:
ur fine
Explanation:
Tar pits in Los Angeles contained many varieties of plant and animal fossils.
A. True
B. False
True
thx for points have good night
According to chief Joseph ,how did white settlers view american indians
Answer:
A - they saw American Indians as less than human.
Explanation:
The answer was correct on edge
Why did Europeans benefit the most from the trade? Why did the trade not happen in Europe? What obstacles made trade difficult or dangerous in Europe ?
Answer:
Europeans wanted to gain riches from the New World. They also wanted to claim land for their countries. ... The Northwest Passage is a water route that goes through North America. Vespucci helped people notice that the New World was unknown land.
Explanation:
What changes in thought and technology Impacted Europe and Asia between 800 C.E. and the seventeenth
century?
pls answer asap
Answer:The period saw major technological advances, including the adoption of gunpowder, the invention of vertical windmills, spectacles, mechanical clocks, and greatly improved water mills, building techniques (Gothic architecture, medieval castles), and agriculture in general (three-field crop rotation).
Explanation:
8. The 'Lowell System was characterized by..
A. A system of interchangeable parts for factories.
B. The development of cottage industries.
C. An industrial system of mass production.
D. The adoption of labor unions and worker's rights.
Answer:
b is the awnser
Explanation:
Sumuari were kept very wealthy so that they would remain loyal to there nobels true or false?
Answer:
False, they had some sort of code of honor, I don't remember the name, it's been some time
2. What does Washington argue is the problem with the national government under the
Articles of Confederation? What must be done to solve the problem in his view
Answer:
Washington feared the current government was so powerless that it would soon dissolve either from deteriorating support of the people or from the fact that states would no longer bother to send representatives to the Confederation Congress.
Explanation:
The reason which Washington argues is the problem with the national government under the Articles of Confederation is:
The government did not have enough power to governThe thing which must be done to solve the problem in his view is:
To make the government have more power to tax the peopleAccording to the given question, we are asked to show the reason which Washington argues is the problem with the national government under the Articles of Confederation
As a result of this, can see that George Washington and some other Americans believed that the Articles of Confederation was weak and did not give the states enough power and would soon crumble.
However, he believed that giving the central government more power such as taxing the people would help solve the problem
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Few fun facts about Hitler being a significant historical figure.
Answer:
1. HITLER WAS REJECTED FROM ART SCHOOL MORE THAN ONCE
We know that Hitler’s failed art career eventually led to his life of fascism, but you may not know that he actually applied to art school twice – and was rejected so hard the second time that he wasn’t even allowed to sit in on the entry exams. Even now, art experts maintain that Hitler was a sub-par artist.
2. HITLER LOVED ICONIC GERMAN ARTISTS
Hitler’s affinity for classic German artists could be seen in his own work, which is why it’s easy to draw the parallels between Hitler’s sketches and the works of painter Hans Thoma.
3. HE PRACTICED FOR SPEECHES BY TAKING PHOTOS OF HIMSELF . . . MAKING SPEECHES
A megalomaniac supreme, Hitler was so obsessed with his image that he had photographer Heinrich Hoffman take photos of him making speeches. Fortunately for us, despite being told to destroy the photos afterwards, Hoffman did not and included them in his memoir instead.
4. HE WAS AN OUT-OF-CONTROL SPENDER
Hitler was out-of-control in general, but biographer Volker Ullrich recently uncovered that the Fuhrer actually spent thousands on opulence (cars, champagne, clothes, etc.) while pretending to be “a man of the people.” What didn’t he spend money on? Income tax.
5. HITLER WAS ONCE ORDERED TO TRIM HIS MOUSTACHE
Hitler's preferred moustache style was actually of the handlebar variety. Unfortunately for him, during WWI service he was ordered to scale it back so it would fit underneath gas masks (which didn’t work – he was gassed in 1918 and temporarily blinded).
6. HE LOVED DISNEY
While Disney represents kids’ films and family to us, to the dictator, it represented the advance of technology since "Snow White" boasted some pretty impressive animation circa its 1937 release. Rumour has it he also felt strongly for "King Kong" because of its special effects, and watched both that and war films repeatedly.
7. HITLER’S OBSESSION WITH WAGNER BEGAN EONS BEFORE WWII
At age 12, Hitler stumbled upon Wagner and he never looked back. Writing in Mein Kampf that he was “addicted” after attending the opera, "Lohengrin", Hitler reportedly skipped school to attend the opera well into his teens.
8. RUMOUR HAS IT THAT HITLER HAD BRED AN ARMY OF TALKING DOGS
According to Dr. Jan Bondeson, Hitler and his henchman rounded up “educated” dogs with whom they communicated (through tapping paws, barking, and wagging their tails) – and got even one to bark, “Mein Fuhrer!”
These dogs were supposed to help win the war, which makes a bit of sense considering Hitler was heavily attached to his dogs, Blondi and Bella. (The former, he killed before killing .
9. HITLER WAS A VEGETARIAN WHO WAS DILIGENT ABOUT FOOD TESTING
Hitler was a paranoid person. So paranoid, in fact, that he employed food tasters who, on one side, got to enjoy the crème de la crème of German cuisine (during a time of rations and starvation). On the other? After an attempted assassination, he kept his food tasters imprisoned, according to Margot Woelk, who had to suffer through the terrible ordeal.
10. HIS FAVOURITE ACTOR ONLY DIED IN 2011
At age 108, Hitler’s favourite actor – the Dutch Johannes Heesters – passed away.
However, despite being a favourite of the dictator and the S.S., Heesters was still allowed to perform because the Allies didn’t think he was involved in Nazi propaganda. However, because he did perform for the Nazi regime, he was still scrutinised for several decades.
Why did Jefferson want to buy the Louisiana Territory?
b
He understood the importance of gaining control of the port of New Orleans for shipping and trade.
He needed the land in order to go to war with Spain.
He wanted to strip the Federalists of their power.
He wanted control of the Rocky Mountains.
Od
Answer:
he understood the importance of new orleans
Explanation:
the French had coats.
Answer:
C- to gain control of New Orleans.
Explanation:
Do you think polls have a positive, negative or neutral effect on the democratic process? Explain your answer using evidence (find a poll).
The correct answer to this open question is the following.
If you ask us to find any poll, we are going to choose the polls that made the news on CNN one week before the past US elections of November 2020.
I think polls have a neutral effect on the democratic process in United States politics.
It is clear that initially, polls were used to know the opinion of voters before an election. Even before, when the political party is trying to select a candidate, the poll can tell campaign managers about the favorable or not opinion voters have about one specific candidate.
Next, polls have used recently as a competitive advantage for candidates in that the campaign teams make the poll information public through news media and they say that its candidate is at the top of the public preferences. The real message they are trying to say is that as its candidate is at the top, you should consider voting for the right gut that is at the top of the preferences.
However, in the two last elections, polls have been far from reality. In the 2016 US election, most polls favored Hillary Clinton by far, and she lost the election. In the recent election, most polls -including the ones at CNN- predicted an easy victory for Bidden, and that did not happen.
Can someone tell me notes on The March Revolution
In what way(s) did the Framers (writers) claim to have already tried in addressing the complaints?
Answer:
In what ways did the framers claim to have already tried in addressing the complaints? They tried to tell the people that they were being ignored. What will change in the colonies as a result of the declaration? The colonists would face hardships, with protests, consequences, and war resulting from this.
Explanation:
I love the Declaration of independence. But hope this helped!
The people were being ignored, they sought to convey. The Founding Fathers assert that they handled the objections by reminding the British of their overstepping of their borders, the reasons the colonies came to America, and by appealing to Britain's sense of justice and goodness.
What did the framers disagree on?They clashed on congressional representation and trade policy both domestically and internationally. The Three-Fifths Compromise, the Connecticut Compromise, and the Compromise on Commerce and Slave Trade.
The American Constitution's creators were forward-thinking individuals. They made our Constitution durable. In addition to addressing the particular issues the country was facing at the moment, their goal was to lay the groundwork for the new country's future stability and direction.
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What improvements would you suggest to
the Roman model of government? Why?
Answer:
Regular salary for all government workers + senators.
Explanation:
This would lead to less corruption which destroyed Roman abillity to create defensive forces quickly.
True or False
Under the threat of torture, Galileo knelt before the Protestant pope and read aloud a signed confession. In it, he agreed that the ideas of Copernicus were false.