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Why it is time to invest in African entrepreneurs

OECD - 17. Juni 2022 - 17:26

One of the biggest challenges Africa will face is creating jobs for young people. The African Development bank estimates that 10 to 12 million young Africans join the labour force every year, where they find just 3 million formal jobs. While entrepreneurship is not the panacea for Africa’s socio-economic challenges, it most certainly is a lever for turning a potential disaster into a promising dividend.

The post Why it is time to invest in African entrepreneurs appeared first on Development Matters.

Kategorien: english

Promising examples of climate-risk insurance schemes

D+C - 17. Juni 2022 - 16:19
There are many good approaches to managing climate risks

They contribute in meaningful ways to cover vulnerable communities. However, far too many people remain uninsured even (see Dirk Reinhard on www.dandc.eu).

There are many promising examples. One of the largest is the InsuResilience Global Partnership, which was launched in 2017 by the G20 in cooperation with the V20 (Vulnerable Twenty – a group of particularly climate vulnerable countries). The partnership is designed to develop suitable insurance solutions for covering the climate and disaster risks of the most vulnerable people. In terms of better access to insurances, more than 150 million people in developing countries and emerging markets benefited in 2021, and more than 60 million of them obtained micro insurances. The goal is to cover another 500 million people by 2025.

The Insurance and Risk Finance Facility (IRFF) will help to make it happen. It was recently launched by the UN Development Programme (UNDP) with an eye to boosting insurance and risk finance in 50 developing countries and emerging markets. Germany’s Federal Government has contributed € 35 million to the IRFF.

The private sector is engaged too. The Insurance Development Forum (IDF) is an industry-led public-private partnership. The IDF uses insurances and other risk-management tools to make vulnerable people and countries more resilient to the climate crisis and disasters in general.

Four other meaningful projects are:

  • India’s Pradhan Mantri Fasal Bima Yojana (PMFBY), the world’s most extensive agricultural insurance system at the nation-state level. It is subsidised and currently serves 25 million farmers, most of whom are smallholders.
  • The Caribbean Catastrophe Risk Insurance Facility (CCRIF). It is a multi-country risk pool, which offers insurances for the damage done by hurricanes, heavy rainfall and earthquakes. Nineteen Caribbean and three Central American governments are members.
  • The African Risk Capacity (ARC). It was established in 2012 and supports 35 member countries to prepare for extreme weather events as well as epidemics. It is involved in early warning systems, insurance schemes and contingency planning, especially for droughts.
  • The R4 Rural Resilience Initiative, which the World Food Programme and Oxfam America launched in 2011 to improve food security and income in rural areas. In 2021, it had an outreach to 395,000 households in 14 countries in Africa, Asia, Latin America and the Pacific Ocean.

Renate Bleich is the chief executive of Munich Re Foundation.
rbleich@munichre-foundation.org

Dirk Reinhard is her deputy at Munich Re Foundation.

Christian Barthelt is a senior project manager at Munich Re Foundation.

 

Kategorien: english

Managing climate risk with private insurance

D+C - 17. Juni 2022 - 15:14
In low income countries, the business climate must improve for insurance companies

It is estimated that weather disasters claimed more than 1 million people’s lives in the years 2000 to 2018. In the same period, the financial damages amounted to $ 4.21 trillion (Aon 2018). Since the turn of the millennium, the harm done by natural disasters and dangerous weather has increased substantially. Since 1980, however, a mere 30 % of the damages have been insured.

The lack of insurance coverage is particularly evident in developing countries and emerging markets. On the one hand, they are especially exposed to the impacts of global warming, both in regard to the frequency and intensity of extreme weather. On the other hand, many people simply do not buy insurance coverage so far (see Dirk Reinhard on www.dandc.eu).

Since 1980, less than five percent of weather damages have been insured in Asia, excluding Japan. The UN Development Programme (UNDP) estimates that only about three percent of disaster damages were covered by insurances in the 77 poorest countries. The implication is that the countries and people concerned must bear the costs of relief and reconstruction themselves, unless they can rely on international aid.

Comprehensive risk management is needed. Apart from adaptation to climate change and better disaster preparedness, climate-risk insurance must become an important component of such management.

Regional, national, international

There are different kinds of climate-risk insurance, starting with micro-insurance policies for individual persons. However, regional, national and international schemes exist too (regarding the difference between governmental social protection and private insurance, see Markus Loewe on www.dandc.eu). Disbursements can be triggered in different ways:

  • Indemnity-based insurance covers losses that actually have occurred.
  • Index-based insurance covers expected damages that are believed to be likely to coincide with specific weather data. If the wind exceeds a certain strength, for example, or if there is no rain in a predefined time period, the insurance company disburses a certain amount of money.

Climate-risk insurances have been attracting considerable attention in recent years. There are many meaningful examples (see box next page). Nonetheless, many obstacles still prevent insurance coverage from becoming the default situation in low-income countries. Many of them are not climate risk specific, but generally apply to the insurance business in markets that are marked by low purchasing power (Reinhard 2019).

Considerable obstacles

A core challenge is that conventional insurance corporations, for cost reasons, typically do not show much interest in reaching out to the lowest income groups. The lower premiums and disbursements are, the more relevant transaction costs become. More­over, both distribution and client-account management tend to be very difficult, and that is especially the case in rural areas, where power supply and intranet access are often unreliable, if they are available at all.

Infrastructure problems of this kind make it hard to assess damages fast after extreme-weather events, and disbursing money is difficult too. The issue is not quite as relevant for index-based insurances, but they have downsides too. For example, the index often only roughly coincides with actual damages, so the people concerned sometimes do not get an adequate insurance payment, or maybe even none at all.

It also matters that insurance companies must make substantial investments if they want to offer clients good solutions. Considerable market research is needed. The companies must develop a deep understanding of how people live and what their financial situation is like. Crucial issues include:

  • How are the most important risks currently being managed?
  • What additional service can an insurance company provide?

Finally, the companies need clients who understand how insurance works. That cannot be taken for granted, especially when someone signs an insurance contract for the first time.

Governments that are interested in climate-risk management could similarly benefit from improved insurance literacy. Bureaucrats’ understanding of the advantages and disadvantages are not always up-to-date. In the lack of important information, approaches to risk management sometimes remain suboptimal. Insurance companies can contributing to raising more awareness by providing data and models.

Yet another challenge is that insurance companies require reliable statistics – regarding both weather and damages – in order to accurately assess what risks they are covering. Statistics, however, tend to be poor in low-income countries. Adding to the problems, the climate crisis is escalating fast, so weather-induced harm has become worse than in the past – and it is occurring more frequently.

For all these reasons, climate-risk insurances are quite expensive. Oftentimes, they require subsidies. That applies to the countries concerned as well as the low-income groups who live there.

Digitisation helps

Digitisation offers considerable opportunities, however, and the Covid-19 pandemic has accelerated the trend. Mobile phones and mobile-payment systems have been spreading fast even in rural areas of developing countries. As a result, data has become more easily available, the flow of information has become faster, and the costs of the insurance business have gone down. It would make sense to reform regulations in ways to support innovation.

According to the Intergovernmental Panel on Climate Change, 3.3 billion to 3.6 billion people are vulnerable to global warming. In view of the serious impacts of the climate crisis, insurance coverage must improve fast. Governments, the insurance industry and international institutions should cooperate better to make that happen. If they join forces, they can make insurances a core component of adaptation strategies.

References

Aon Weather, Climate & Catastrophe Insight 2018 Annual Report:
http://thoughtleadership.aon.com/Documents/20190122-ab-if-annual-weather-climate-report-2018.pdf

Reinhard, D., 2019: Making insurance work for emerging economies. South African Actuary, April 2019.

Renate Bleich is the chief executive of Munich Re Foundation.
rbleich@munichre-foundation.org

Dirk Reinhard is her deputy at Munich Re Foundation.

Christian Barthelt
is a senior project manager at Munich Re Foundation.

Kategorien: english

Project develops community with shea butter

D+C - 17. Juni 2022 - 14:27
A sustainable rural city creates employment opportunities for rural dwellers in Uganda

Okere Parish has a population of about 5000 people, over 65 % being women. Most men migrate to urban areas in search of better economic opportunities. Some 98 % of the rural community in Okere are small-scale subsistence farmers. They rely on rain-fed agriculture as their major economic activity. The parish has been ravaged by a 20-year long rebel war, which the region of northern Uganda suffered.

Most Okere dwellers traditionally grow shea trees, some of which have been passed on from generation to generation. These trees are scientifically known as “Vitellaria paradoxa” and are indigenous to Africa. The International Union for Conservation of Nature lists the shea tree among the species that are at risk of becoming extinct soon. However, shea butter has an estimated global market of over $ 1 billion. There is thus scope for prosperous business.

A shea tree needs between eight and 15 years until it first can be harvested. A tree can yield 15 to 20 kilogramme (kg) of fresh fruit that will produce three to four kg of dry kernels. The kernels consist of almost 50 % fat, of which shea butter is made. In the west it is most commonly used in cosmetics, in Africa it is also eaten.

Socio-economic transformation

Understanding the importance and attachment of Okere’s people to the shea tree, Ojok Okello, the founder and vision bearer for Okere City has crafted the idea’s vision around the product. “When the season for shea fruits harvesting comes, households are involved in the collection of shea nuts and production of shea butter as a secondary economic activity,” Okello says.

He thinks that the shea tree is the “engine that will spark socio-economic transformation”. He has therefore built a business around value addition and processing of the shea nut. Apart from shea butter, other goods can be made too. Starting in 2019, Okello has invested some of his own money in the project. Now significant progress has been made. Okere clearly generates revenue.

To organise local people better, Okere City has set up a cooperative society for shea-tree growers. Currently, the cooperative society has 100 members – most of them women – who gather savings and take credit from the common pool. This gives the farmers access to the finance they need to advance their business, for example by purchasing fertilisers or improving storage facilities.

Education, health and culture

On top of prioritising agriculture, the Okere City model has also focused on other activities. Before the project started, up to 72 % of the adult population in Okere had not had primary education. Thanks to an ongoing adult education programme, things are improving. The project is also paying attention to all children attending primary school. “Okere City is giving our children the best quality education here in the village without us taking our children to the city. This gives me confidence that the future of our children shall be brighter,” Eunice Apio, a chief of a local tribe says.

Furthermore, a health facility has been set up to extend medical services to the local community. It operates on a flexible basis where locals can clear their medical bills during the harvest season. Okello reports it has an average 25 patients visiting per day.

There is also a boxing club that targets youth. The boxing club offers them an opportunity to channel their energy in sports.

Okere community prides itself in its rich cultural heritage. The Okere City project has established commercial traditional dancing activities for visitors and tourists. In this way, local musicians and artists can gain an income from the increasing number of visitors going into the area.

“Since 2019, our ecosystem of 20 social businesses and community projects now serves 5000 clients through targeted provision of services or products across the education, health, agriculture, tourism and finance sectors,” Okello says.

Satisfied customer

Customers like Shamim Nirere, an ardent buyer of the cosmetic product, are excited about the quality of the shea butter from Okere. “It is by far the best moisturiser I have ever used. Additionally, the story behind the women who collect the nuts is inspiring. To think that when I buy a tin of Okere shea butter, at least some money finds its way to these women and the community is amazing,” she says.

Okere City’s grand vision is to create a poverty free village where everyone lives in dignity. Founder Okello aspires to achieve simultaneously all the 17 UN Sustainable Development Goals (SDGs) by 2030, and Okere shall emerge as a sustainable village.

Link
Okere City:
https://www.okerecity.org/

Ronald Ssegujja Ssekandi is a Ugandan author and edits D+C/E+Z’s Nowadays column.
sekandiron@gmail.com

Kategorien: english

The Albano Laziale Circular Economy Week: Cities Paving the Way For a Circular Future

SCP-Centre - 17. Juni 2022 - 14:23

With around 75% of the European population living in urban areas, a great share of consumption, waste production, and emission of greenhouse gasses occurs in cities. That’s why cities can have a central role in the transition toward a circular and bio-economy and thus lead the effort to solve the climate crisis. As part of our SCALIBUR and HOOP projects, the Italian city of Albano Laziale has topped up its efforts toward becoming a bio-economy champion.

The circular and bio-economy offer an opportunity to respond to urban resource challenges by rethinking how we use materials, products, and assets as well as waste leading to new ways of creating value for all. Cities can be the ecosystems in which circular solutions to pressing problems and challenges are initiated and nurtured.

From 17 to 20 May 2022, our SCALIBUR and HOOP projects hosted the first Circular Economy Week – organised by the CSCP with the support of the local partner ANCI Lazio – in the city of Albano Laziale. The aim of the Circular Economy Week was to raise awareness and mobilise action locally about circular and bio-economy initiatives and emerging technological solutions for the valorisation of (organic) waste.

The four in-person events which consisted of two expert seminars, two participative workshops with high school students, and one exhibition of circular products brought together a broad range of stakeholders, such as policy-makers, waste service providers, agricultural associations, businesses as well as students and citizens.

The events represented a unique opportunity to share progresses made by the city of Albano Laziale in terms of waste collection, transportation and management; to exchange on future opportunities and collaborations within the circular and bio-economy fields; to initiate next steps towards the transition of the city to circular economy; and finally to further promote knowledge and awareness of the economic, environmental and social benefits of reusing, recycling and up-cycling waste thanks to the example of eight local organisations and businesses, the SCALIBUR “local champions”. The list of local champions include DIM Design Lab, Laboratorio Linfa, Junker, Foo Reuse Design, Occhio del Riciclone, Midorj, Reware, and RIscARTI.

If you would like to know more how Albano Laziale and its local champions are engaging for the bio-economy, please visit the SCALIBUR project website.

For further questions, please contact Francesca Grossi.

The post The Albano Laziale Circular Economy Week: Cities Paving the Way For a Circular Future appeared first on CSCP gGmbH.

Kategorien: english, Ticker

Nurturing a Circular Tourism Mindset in Vietnam

SCP-Centre - 17. Juni 2022 - 14:10

Now that global tourism has started to rebound after the pandemic, sustainability and circularity can play a big role in integrating resilience into the sector. This is especially true as tourism contributes substantially to global emissions as well as food and plastic waste.

As we move toward a post-COVID era, one thing is clear: the world has changed. The effects of the pandemic have accentuated even more the challenges of climate change, biodiversity loss, and deforestation, and highlighted the need for deep transformations. The tourism sector in particular need to be redefined and become more resilient.

In November 2021, the CSCP launched the pilot project Circular Tourism Vietnam to promote social and environmental innovations through the integration of circular economy in the tourism sector. The pilot project is carried out at the Tam Giang Lagoon, the largest in Southeast Asia, and it targets start-ups, small and medium-sized enterprises (SMEs) and community-based enterprises.

In April 2022, a Circularity Lab was launched to inspire and boost circular tourism initiatives in Vietnam. The Lab introduces concepts of circular economy in tourism, offers real-life examples of circular tourism around the globe and facilitates the development of context-specific ideas for sustainable, circular tourism. The Lab ia also a space for local entrepreneurs to define what circular tourism could mean for them. Using a design thinking approach, the participants develop new ideas which they carry through to prototypes.

The Circularity Lab also offers a platform for different stakeholders such as tour operators, small local businesses and the local community, to discuss challenges and see how they can overcome them through collaboration. For example, a community-based enterprise expressed how difficult it was to market their products to tourists. It turned out that out of three tour operators involved in the Lab, only one offered excursions to the Lagoon on their website. This finding triggered discussions between the community enterprise and the tour operators on product innovation and how to transform ideas into concrete products, services and experiences. This created the ground for the co-creation of an experience that integrates innovation through circularity and sustainability, meets tourist demands and promotes local values and livelihoods.

The Circular Tourism Vietnam pilot project is supported by the TUI Care Foundation and is carried in collaboration with the Vietnam Tourism Association (VITA).

For further questions, please contact Dr. Adriana Ballón Ossio.

Photo by Just Filip on Unsplash.

The post Nurturing a Circular Tourism Mindset in Vietnam appeared first on CSCP gGmbH.

Kategorien: english, Ticker

Registration for Our BOOM Summer Camps 2022 is Still Open – Spread the Word!

SCP-Centre - 17. Juni 2022 - 13:56

In the first of our four BOOM camps this year, the participants built bird houses and bamboo sofas, explored how wool is made, upcycled textiles into new products, and learned more about local healthy herbs. During the camp, which took place from 10 to 15 April 2022 in Hessen, participants (14-17 years) got to explore handicraft professions and sustainable lifestyles. The call for our three upcoming summer camps is still open – spread the word!

For the third year in a row, our BOOM holiday camps invite teenagers and young adults to explore future jobs in various fields such as ‘daily consumption and design’, ‘energy and mobility’, ‘building and living’, and ‘food’. The camps offer participants a unique chance to discover and enhance their strengths in order to face the future with confidence and curiosity. By deep-diving into societal challenges, the participants can learn about production and consumption trends and how we individually can have a positive impact, both in our private as well as professional lives.

For first-hand experiences, watch our inspiring video about the camp and visit our gallery!

In the spirit of BOOM’s guiding principle Every Job is Green, more participants will have the chance to explore sustainability as a key opportunity in shaping their personal and professional future in 2022.

Dates and topics:

  • 07. – 15.07.2022 „Energy and Mobility“, Age 14-17, Jugendakademie Walberberg in NRW
  • 07. – 29.07.2022 „Food“, Age 17-24, Gut Alte Heide in NRW
  • 08. – 02.09.2022 „Building and Living“, Age 14-17, Edersee in Hessen

The Camps are free of charge – you can register via the online form!

To read more about past camps, have a look at the BOOM website!

BOOM is a joint project of the CSCP and its partners Provadis GmbH and Sportjugend Hessen e.V. and it is funded by the German Federal Ministry for the Environment, Nature Conservation, Nuclear Safety and Consumer Protection.

For further questions, please contact Marius Mertens.

The post Registration for Our BOOM Summer Camps 2022 is Still Open – Spread the Word! appeared first on CSCP gGmbH.

Kategorien: english, Ticker

Join the Second Circular Futures Festival on 14 & 15 September 2022!

SCP-Centre - 17. Juni 2022 - 13:29

Are you promoting the Zero Waste Agenda of the city of Dresden? As a municipal waste management company, do you deal with the issue of reusable packaging? Are you experimenting with circular business models in your company? Are you developing a digital platform to introduce XaaS in a completely new industry?

The Circular Futures Festival is going into the second round! Colourful, diverse, practical – we are excited to announce that the programme for our second Circular Futures Festival on 14 – 15 September 2022, is in the making. This festival is aimed at all those who professionally deal with the circular transformation of our economy and society.

This year, the festival will be run as a hybrid event. Most sessions will be online and open to all. At the same time, local hubs will be organised in Munich, Berlin, Bottrop and other cities. This year, Circular Futures will cooperate with the Circular Economy Hotspot Bottrop, with whom we will start the festival together on 14 September.

This festival is designed by you, for you, with you. Whether in the public sector, small- and medium-sized enterprises (SMEs), academia or civil society – everyone is invited to be there and get involved.

Support us to co-design the programme of the festival. NOW is your chance to actively shape the programme. Until 10 July, you can submit proposals for your own sessions here!

Date: 14 – 15 September 2022
Place: Online & Local Hubs
Cost: Free of charge
Language: Mostly German
Registration: Eventbrite

Invite your contacts from the Circular Economy community – let’s expand the spectrum of contributions from all areas of society!

We look forward to two stimulating, inspiring days with all co-creators from the Circular Economy and Circular Society ecosystem. Secure your spot today!

Register and learn more here.

For further questions, please contact Thomas Wagner.

The post Join the Second Circular Futures Festival on 14 & 15 September 2022! appeared first on CSCP gGmbH.

Kategorien: english, Ticker

Join Our Event “Sustainability Through Digitalisation” in Cologne on 22 June 2022!

SCP-Centre - 17. Juni 2022 - 13:11

How do sustainability and digitalisation come together and how do they give rise to new business models for companies? Moreover, how can businesses avoid risks and identify opportunities in the twin sustainable-digital transition?

Our experts from the Competence Centre eStandards for SMEs will answer these questions at the Cologne Chamber of Industry and Commerce (IHK Köln) on 22 June 2022. The event “Sustainability Through Digitalisation” aims to inform, inspire, and support businesses to make the most out of the twin sustainable-digital transition.

To this end, our CSR.digital project team will also join the event to present the “Profile Check” workshop concept for companies that identifies which action fields in the realm of digitalisation and sustainability are most relevant to them. With a collaborative approach, participants discuss chosen topics and come up with first ideas for specific projects and initiatives.

Event: Sustainability Through Digitalisation
Date: 22 June 2022
Time: 16:00
Place: IHK Köln & online
Language: German
Cost: Free

The event will be held in person, but joining online will also be possible. Please register for the event here.

The event is organised by the Cologne Chamber of Industry and Commerce (IHK Köln) and our Competence Centre eStandards for SMEs project.

For further questions, please contact Anna Hilger.

Photo by fauxels on Pexels.

The post Join Our Event “Sustainability Through Digitalisation” in Cologne on 22 June 2022! appeared first on CSCP gGmbH.

Kategorien: english, Ticker

Mobile wallet: secure money for refugees in Jordan

GIZ Germany - 17. Juni 2022 - 10:06
: Wed, 15 Jun 2022 HH:mm:ss
Refugees often have difficulty accessing their own money. Mobile services are making day-to-day activities easier.
Kategorien: english

Thinking ahead on security: joint action needed to tackle climate risks

GIZ Germany - 17. Juni 2022 - 10:06
: Mon, 21 Feb 2022 HH:mm:ss
Global warming threatens the security of people and nations – delegates at the Munich Security Conference also discussed opportunities for transnational solutions.
Kategorien: english

Shining light on the EU’s new development bank

EURACTIV.com - 17. Juni 2022 - 7:36
The development arm of the European Investment Bank is expected to be instrumental to the success of the EU's Global Gateway project. So why then is there so little information about EIB Global's structure and mandate, ask Farwa Sial and Adrian Chikowor.
Kategorien: english

CSO Critique on AIIB’s Energy Sector Strategy Update

Reality of Aid - 17. Juni 2022 - 6:39

The CSO Critique on the Asian Infrastructure Investment Bank’s Energy Sector Strategy forwards alternative principles to those posed by the bank, in order to forward a rights-based, people-centered and climate-resilient future for the region and beyond. During this crucial time of compounding crises, there is a need to rethink the approach on the energy transition to ensure that it genuinely addresses the needs and concerns of the marginalized, who face the brunt of the impact […]

The post CSO Critique on AIIB’s Energy Sector Strategy Update appeared first on Reality of Aid.

Kategorien: english

Can Justice and Accountability Solve Nigeria’s Security Challenges?

UN Dispatch - 16. Juni 2022 - 15:49

On June 5th, armed men attacked worshipers at a Catholic Church in the city of Owo, Nigeria. Scores of people were reportedly killed and many more injured.

My guest today,  Idayat Hassan, is director of the Center for Democracy and Development in Nigeria. We kick off discussing this church attack as well as another high profile recent attack on a train in northern Nigeria. Idayat Hassan then describes how these attacks fit into broader patterns of insecurity in Nigeria.

The increasing insecurity in parts of Nigeria today comes less than a year ahead of major national presidential elections scheduled in February 2023. But as Idayat Hassan explains the candidates are not emphasizing getting to the root cause of insecurity — which she forcefully argues stems from a broken judicial system.

Apple Podcasts  | Google PodcastsSpotify  | Podcast Addict  |  Stitcher  | Radio Public 

The post Can Justice and Accountability Solve Nigeria’s Security Challenges? appeared first on UN Dispatch.

Kategorien: english

Acheter une maison : comment prévoir son budget

UN Food and Hunger - 16. Juni 2022 - 9:11

Si vous avez envie de vous sentir plus à l’aise dans votre habitat, vous pouvez opter pour l’achat complet de celui-ci plutôt que de le louer. De cette manière, vous pourrez modifier différents aspects comme bon vous semblera afin de créer le confort total. Comment alors vous y prendre pour prévoir un budget à cet effet ? Cet élément vous apporte des conseils.

Estimez le budget en fonction de votre choix

L’une des premières choses que vous devez faire pour la prévision de votre budget est de choisir le type de maison que vous souhaitez acheter. Vous devez également choisir la zone qui vous convient le mieux. Une fois la zone déterminée, vous pouvez procéder à l’estimation du bien de votre choix en consultant un agent immobilier qualifié. Celui-ci vous aidera à en savoir plus. Pour y parvenir, vous devrez :

  • Entrez en contact avec une agence dédiée qui est proche de vous ;
  • Exposez clairement vos idées à un spécialiste ;
  • Demandez un devis de réalisation.

De cette manière, vous pourrez bénéficier des conseils d’un expert et avoir le coût idéal qui s’adapte à votre projet. La plupart du temps, les agences immobilières mettent à la disposition des clients, des catalogues de maisons. Vous pourrez donc en visualiser, si vous n’avez pas encore une idée précise du modèle d’immobilier que vous désirez avoir.

Relevez vos sources de revenus

Cette étape vous permettra de mieux économiser pour la constitution de votre budget. Recensez vos sources de revenus et faites en sorte de retirer un pourcentage fixe de chacune d’elles mensuellement. Si vos sources ne sont pas assez diversifiées pour vous aider à élaborer votre plan très vite, vous pouvez vous tourner vers une institution bancaire et essayer d’obtenir un crédit immobilier qui vous aidera à accélérer le processus.

The post Acheter une maison : comment prévoir son budget appeared first on burudi.net.

Kategorien: english

Ukraine invasion pushed global refugee above 100 million, says UN

EURACTIV.com - 16. Juni 2022 - 5:52
The war in Ukraine has pushed the number of refugees across the world to more than 100 million, according to a new report published on Thursday (16 June). 
Kategorien: english

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