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Investigación documental que estudia el beneficio del emprendimiento en las Fintech; describe la evolución de este tipo de empresas entre los años 2011 a 2022 con el objetivo de dar un contexto de la importancia de este sector dentro del Ecosistema Financiero Nacional. Al describir los inicios de estas empresas en México se puede observar que los mexicanos las han adoptado relativamente fácil debido al uso de teléfonos inteligentes. Por otro lado, se analiza el papel de la innovación en el emprendimiento aplicando la Teoría del Manual de Oslo y la Teoría de las Innovaciones de Joseph Schumpeter a las Fintech. Para el diseño de la investigación se utilizaron tres variables; emprendimiento, Fintech y regulación, de donde se derivan los temas del marco teórico. Por otro lado, se decidió implementar el modelo de investigación documental de Rizo (2015) donde se definen las fases de selección, recolección, análisis y redacción de la información. Obteniendo como resultados; el panorama general de las Fintech en México, oportunidades de mercado, requisitos para operar, ventajas, entre otros; factores importantes que hacen que una Fintech sea exitosa.
Hundreds of financial terms from Islamic Shari'aa view explained in easy vocabulary in order to be accessible and understandable to all. You can easily understand the meaning of the terms without having any specific Islamic and Shari'aa Law background. Islamic Banking & Finance refers to banking and financial services provided in accordance with the principles of Sharia, applied through the development of Islamic economics. The main principles, which underlie the theory of Islamic Banking & Finance, are prohibitory in nature and their infringement is considered ¿Haram¿ (sinful and prohibited by Sharia).The prohibitions are as follows: (i) Loans that carry interest, known as ¿Ribä;(ii) Investment in companies that provide goods or services considered contrary to Islamic principles;(iii) Agreements where ownership of goods is dependent on the occurrence of uncertain, predetermined events in the future, known as ¿Maysir¿; and(iv) Speculative transactions, known as ¿Gharar¿.This document aims to provide concise and accessible reference to the terminology one may encounter when working within the sphere of Islamic Banking & Finance.
The last few years were difficult for the Tunisian tourism sector. The latter has gone through its biggest crisis since its establishment in Tunisia and because of the events that followed January 14, 2011: unstable political climate, security slippage, civil war in Libya, etc.. The continued decline of the French market, the largest emitter of tourists to Tunisia, and the disappointment of some tour operators to no longer program this destination are worrying signs. The tourist activity is penalized by factors which are not of its competence and independent of its will. This is primarily the security problem. Despite efforts and progress in this area, Tunisia can not get rid of this image of unsafe country and the unease of insecurity that prevails.
"Brooke Wunnicke was the first woman to be a trial and appellate attorney in Wyoming, laying the foundation for future generations of female attorneys. Brooke at the Bar is a lively, personal and humorous autobiography including reflections on the legal system and what it means in the United States"--
Rumours abound in the world of big city law firms, but nothing could have prepared Belle for life as a lawyer - the outlandish characters she met and the crazy situations she encountered. So, she decided to keep a diary.The book, written under a pen name, is part memoir, part office manual, part self-help guide for a law student, new lawyer or indeed anyone curious about working in the city. Each chapter depicts a true story from Belle's diary and ends with a moral.The book gives an intimate account of the experiences of a veteran solicitor in the wacky world of a big city law firm. It shares insights only someone from the trenches of the legal world could acquire. It provides a wealth of knowledge and has advice from someone who readers, especially brand-new solicitors, will feel they can trust. There's also a good dose of humour in the stories, especially through the bizarre situations and quirky personalities Belle encountered along the way.With plenty of cringe-worthy examples, Belle shares bits and pieces from her own life in an attempt to help the uninitiated figure out what she wished she had known early on in her career.
What the students who pass the Canadian Citizenship Test on their first attempt know, that you don't...Maybe you're worried about not passing your examination and getting your passport?Or maybe you have no idea where to begin when it comes to preparing for the test?If that sounds like you, fortunately, we've got your back.We want to ensure that you pass your citizenship test with confidence.We've hand-picked over 500 questions from the Official Discover Canada Guide - so you can be sure that the questions and answers you're practising are accurate and up-to-date. The questions and answers are spread across 10 different chapters such as History, the Economy, Laws, & Responsibilities of Canadians. Each of the questions and answers are multiple choice questions, as well as true and false questions, just like you'll get on the day of the real test. The answers are at the back of the book, so there'll be no revealing of the answer before you've thought of it.On the day of your test, you'll need to get at least 15 out of 20 questions correct within 30 minutes - students who practice with our book increase their chance of passing by at least 60%.Here's what you'll get inside the book: 500+ Practice Questions, from the official 2023 Discover Canada guideAnswers at the back of the book, so you can't cheat!Key information on how & where to take your testAudiobook format available soon!*BONUS* - We've also included the updated Oath of Canada (King Charles) for all important recital!Regardless of where in the world you are from, this book will help you to pass your Canadian Citizenship exam faster, and with more confidence - on your first attempt.If you want to get your Canadian Passport and pass the examination with ease, then..Click "Add to Cart" and start learning now!
Second Edition - Fully updated including HMLR PG 82'A Practical Guide to Document Signing and Electronic Signatures for Conveyancers' has been written by Lorraine Richardson, an experienced property solicitor and legal trainer. This is a book by a conveyancer for conveyancers. This second edition has been fully updated to include HMLR's introduction of Practice Guide 82 and considers HMLR's requirements for the acceptance of conveyancer-certified electronic signatures on deeds submitted for registration. The book outlines where we are in terms of the law on signing contracts and deeds and focusses on the issues that conveyancing firms will need to consider if they are going to adopt conveyancer-certified electronic signatures.'I have tried to do some of the thinking about risk and ask the questions about conveyancer-certified electronic signatures and platform providers so that conveyancers don't have to'.Lorraine provided ideas and feedback to HM Land Registry on the sections about electronic signatures in Practice Guide 8, much of this material now appearing in Practice Guide 82. Emily d'Albuquerque, Deputy Director, Central Legal Services, HM Land Registry, said: 'I am grateful for Lorraine's very substantial help when we were developing our practice regarding electronic signatures and Practice Guide 8. She made many suggestions as to how we might improve the Practice Guide and provided possible wording: we adopted most of Lorraine's suggestions and much of her wording.'The Conveyancing Companion SeriesThis Practical Guide is part of a series of books that Lorraine is writing on a wide range of topics on the conveyancing process. The books are aimed at practitioners working in busy conveyancing departments who need a quick reference guide, but will also support those taking professional examinations such as the Solicitors Qualifying Examination, Cilex and Council for Licensed Conveyancers.ABOUT THE AUTHORLorraine Richardson is an experienced property solicitor and trainer who is a popular conference and CPD speaker. Lorraine is now freelance but when in practice she ran a branch office and was a partner and the COLP for her firm.She also designs and delivers property and legal skills related courses and online materials including Conveyancing Quality Scheme training for the Law Society.Lorraine has developed a skill for writing and delivering webinars and aims to produce work that is both interesting and accessible for the viewer. Lorraine is the major writer for the monthly update journal for practitioners, the 'Practical Lawyer.'Lorraine has set up her own company, Adapt Law Limited, and offers property related courses and webinars and a membership scheme for firms to access her webinars and personalised conveyancing training.CONTENTSIntroductionChapter 1 - What Is a Signature?Chapter 2 - The Contract and Deeds in ConveyancingChapter 3 - HMLR Acceptance of Electronic Signatures on Deeds - Mercury SignaturesChapter 4 - HMLR Acceptance of Electronic Signatures on Deeds - Conveyancer-Certified Electronic SignaturesChapter 5 - Relevant Case LawChapter 6 - Risk ManagementChapter 7 - The FutureAppendix - Resources
Instant New York Times Bestseller MSNBC legal commentator Elie Mystal thinks that Republicans are wrong about the law almost all of the time. Now, instead of talking about this on cable news, Mystal explains why in his first book.“After reading Allow Me to Retort, I want Elie Mystal to explain everything I don’t understand—quantum astrophysics, the infield fly rule, why people think Bob Dylan is a good singer . . .” —Michael Harriot, The Root Allow Me to Retort is an easily digestible argument about what rights we have, what rights Republicans are trying to take away, and how to stop them. Mystal explains how to protect the rights of women and people of color instead of cowering to the absolutism of gun owners and bigots. He explains the legal way to stop everything from police brutality to political gerrymandering, just by changing a few judges and justices. He strips out all of the fancy jargon conservatives like to hide behind and lays bare the truth of their project to keep America forever tethered to its slaveholding past. Mystal brings his trademark humor, expertise, and rhetorical flair to explain concepts like substantive due process and the right for the LGBTQ community to buy a cake, and to arm readers with the knowledge to defend themselves against conservatives who want everybody to live under the yoke of eighteenth-century white men. The same tactics Mystal uses to defend the idea of a fair and equal society on MSNBC and CNN are in this book, for anybody who wants to deploy them on social media. You don’t need to be a legal scholar to understand your own rights. You don’t need to accept the “whites only” theory of equality pushed by conservative judges. You can read this book to understand that the Constitution is trash, but doesn’t have to be.
This saga is the expression of me understanding myself, also to my children so they can reconcile the persona and actions of the father. To Boo, my wife, and close friends who watched helplessly as I imploded. I used all my God-given talents to become wealthy then burned it to the ground before I turned forty-five, and I took them with me. Untouchable to touching nothing. Ironically one of my true passions is studying religion, history, and philosophy. Then I went and tried to twist it with my big-ass head and fell headfirst into my own trap. As my own captive alone, I had major time on my hands to reflect. Remorse wasn't good enough; I had to make amends not for them but for me. Every word I had ever read now had a new deeper meaning, mixed in with a lot of dogma. A dramatic divine disclosure followed. I clearly saw all I have ever done, and clarity filled in the motive. I cried alone for months. The revelation of how I slowly gave in to a dark abyss made me hang my head low. So many times and ways I could have stopped and just didn't. My brilliance was going to ride the storm out, one of my gifts. It was a TKO first second of the first round, and I had the pleasure of seeing it come. I did not believe anything could stop me in my tracks, but I could. It was not like I had to give up something to begin again. I had nothing left; that part was easy. I gave into something bigger than me after hurting all I knew, with me being hurt the most. I knew I was not a singular but part of a whole, and from now on, I would help the idea instead of causing destruction in my wake. In so doing, I embarked on a mission to rediscover truth then live it no matter where it led. This is that idea written down. It is all the little things we are capable of. Now I can't stop, so there will always be more to come. Peace.
The purpose of this Book is to provide readers with the skills to analyze complex corporate financial transactions. It will prepare them for get background in financial management of public or private firms, investment banking or management consulting. This book will build upon the teachings of Corporate Finance and will help the learners understand how to apply financial theories to practical issues in corporate restructuring, mergers and acquisitions. The components of this book are focus on advanced corporate finance with emphasis on corporate restructuring and mergers and acquisitions. Topics include financial analysis and planning, short-term financial planning, strategic acquisitions, due diligence, valuing acquisitions, leverage transactions and international acquisitions and corporate governance. Emphasis will be placed on what capital funds a business needs, how these funds are obtained, and how they are managed.
A complementary currency is a ¿widely accepted medium of exchange or payment issued by a non-governmental body in the absence of any legal privileges¿. A local currency is money used in a particular region, locality, or town. Community currencies are designed to be used by a specific group and their aim is to build more sustainable societies and retain wealth in a specific area. It permits strengthening social cohesion and economic resiliency of a community. Community currencies have always appeared, cyclically, as a response to instability of the financial system, to compensate deficiencies of the national currency and insulating local economies from volatility of global markets. The global financial system fosters inequalities and the financial crisis has highlighted the weaknesses and loopholes of our financial and monetary conventional system. Thus, interest in new types of money is the direct result of the crisis. The crisis increased the phenomenon of creation of complementary currencies. All around the world, more and more communities start to experiment their own currency.
In the last decade, the ¿Financialization¿ process of commodity markets accentuated the interaction between commodity prices and other macroeconomic variables and stimulated the economic integration of developing countries. Within this study, we highlighted the emergence of the commodity financial market and its repercussions on the world economy as well as the characteristics of the storage theory. We examined the transmission mechanism between commodity prices and exchange rates. Hence, we have empirically investigated the dependence structure between Brent crude oil and currency values for eleven North African and MENA countries with respect to the EUR within extreme market events using both static and dynamic copula-GARCH models. Our results supported static copulas as the best specifications for all pairs. We found evidence of small and insignificant correlations between Brent oil and EUR exchange rates for all emerging countries except for Jordan and Saudi Arabia for which we found positive downward comovement between oil prices and home currencies with respect to the EUR.
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