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Kwiaty mogą być obecny w weselu .
Jednak zrozumieć, że prawie każdy wzrosła o zazwyczaj poprawnie normalnie wyschnąć wraz z wykorzystywana w jedynek planu w pobliżu New flory przebywania . kwiaciarnia internetowa Białystok
Niektóre nasiona chwycić futra ponieważ zwierzę przechodzi i wtedy odpadnięciem później . kwiaciarnia wysyłkowa Lublin są oczywiście wrażliwe na światło słoneczne podczas kibicowania i wolą chłodne, słabym oświetleniu | | nie są zwykle Ulubione przedmioty jak czekolada, biżuteria i wina sprawiają doskonałe prezenty zwłaszcza do przekazać dobrych uczuć ciepła i uczucia przez "kwiaty" z góry lista jakiegokolwiek prezentu będziesz w stanie wysłać kogoś, dla wszystkich okazjach . http://www.lublinpocztaikwiaty.pl

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Was aż do krainy jezior, tudzież dokładniej do Chomiąży Szlacheckiej (niedaleko Bydgoszczy). Nad jednym spośród jezior, z dala od czasu większych miejscowości, na terenie 6-hektarowego parku spośród XIX wieku leży Herbarium Hotel&SPA. Wraz spośród narzeczonym skorzystaliśmy spośród zaproszenia hotelu natomiast na koniec tygodnia majowy wybraliśmy się aż do tego pięknego miejsca. Oprócz tego, iż mogliśmy posługiwać się spośród całego obiektu, testowaliśmy oraz atrakcje, które oferuje hotel tudzież sprawdzaliśmy wszystkie zakamarki po to, tak aby mieć warunki się z Wami podzielić naszymi wrażeniami. Herbarium Hotel&SPA (klik) to nowy, ekskluzywny cel o wysokim standardzie, choć dla mnie w takich miejsach najważniejsze jest to, żeby gdybać się swobodnie. Wiele plagi w luksusowych miejscach jest po prostu sztywno. Tutaj tego się nie czuło a wewnątrz to daje hotelowi ogormny plus. Poniżej przygotowałam gwoli Was oschły zobrazowanie i wrażenia spośród naszego pobytu – pełnia to w czterech krótkich punktach :) Gotowi? Enjoy! Jak w tym momencie wprzódy wspomniałam hotel Herbarium położony jest w krainie jezior. Teren hotelu jest przepiękny. Małe stawy, jezioro, domki grillowe, leżaki. Zarówno w dzień, kiedy a w nocy (kiedy cel jest oświetlony) panuje w tej okolicy bajeczny klimat. Można grillować, latem kąpać się w jeziorze – jednym zdaniem: jest co robić. Zresztą wystarczy spojrzeć na zdjęcia otoczenia a w tej chwili wiecie o czym mówię. Jestem zdecydowaną
fanką natury, więc w momencie, gdy dookoła jest sporo zieleni, cisza oraz błogość – owo ego jestem w tej chwili w siódmym niebie :) Hotel składa się spośród trzech budynków, które są ze sobą połączone podziemnymi korytarzami. Dzięki temu bez problemu można przesuwać się do restauracji w dresie, na kaczka bądź do SPA w szlafrokach itp. Cały hotel, to taki dworek spośród wieloma tarasami tudzież dużą przestrzenią. Podczas naszego pobytu odbyło się w tej okolicy oraz wesle – na własne oczy widziałam salę, która wyglądała przepięknie (zresztą pokazywałam Wam na snapchacie). Z tej okazji o 22 załapalismy

się na prześliczny demonstracja fajerwerków!

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Janet Echelman, Line Drawing, 2006–2007, high-tenacity multifilament polypropylene, 36-degree ellipsoidal spotlights, colored dichroic glass filters, 408' x 56' x 33', Tampa, Florida



In 2005 seven partners and senior staffers at Deloitte (including the male coauthor of this article) prepared for a meeting with a prospective client, a large hospital undergoing an exciting transformation. Aware that a multimillion-dollar piece of business would be won or lost on the basis of their pitch, the key presenters pored over their slide deck, crossing the t’s and dotting the i’s. They reviewed everything they knew about the hospital and rehearsed their case for why Deloitte was the ideal choice. Their proposal would emphasize Deloitte’s view of projects as collaborations; the team would walk in the client’s shoes.



During the meeting, the partners covered all their talking points. They came away certain that they had addressed every concern outlined in the client’s request for proposal and hopeful that Deloitte would win the project. But they also felt that something had seemed off during the presentation. The consultants and client representatives never quite got on the same wavelength. What could explain the lack of rapport in the room? One aspect of this high-stakes meeting was different from the partners’ usual experience: Half the client attendees were women. The consultants had known this would be the case ahead of time, but it hadn’t occurred to them to alter their pitch in any way because of that. In the end, the hospital did not choose Deloitte for the job.



Stories like this were becoming increasingly frequent, so we decided to look closely at what was going on. In response to an internal survey, 70% of our senior managers told us they perceived that selling to women was different from selling to men. This was interesting. We knew that women, as a group, experienced work in a professional services firm differently, and we had a women’s initiative (known as WIN) whose mission was to drive marketplace growth and create a culture where highly talented women would choose to work. Could the same initiative shed light on the growing population of female buyers and influencers, and perhaps reveal selling approaches that would work better for them?

Today women occupy about half of all managerial and professional positions in the United States, including 37% of management jobs and 60% of accounting and auditing roles, according to the Bureau of Labor Statistics. They also make up 41% of employees with authority to make purchasing decisions. Recognizing that the majority of our partners and managers, including those who were female, had honed their skills selling to men, and that a rapidly growing percentage of our potential clients were women, we realized it was time to reexamine our assumptions about how to explore opportunities and close deals.


A Fair Suspicion



The findings from our internal survey reinforced other evidence of gender differences in decision making. Insights from brain research are especially fascinating. According to a study conducted at the University of California, Irvine, men’s brains have approximately 6.5 times more gray matter than women’s, and women’s brains have nearly 10 times more white matter than men’s. Because gray matter characterizes information processing centers and white matter facilitates the connections among those centers, scientists theorize that those differences might explain why men tend to excel in tasks that depend on sheer processing while women show relative strength in tasks that call for assimilating and integrating disparate pieces of information. What’s more, the cord connecting the left and right lobes is 10% thicker, on average, in female brains. And women have wider peripheral vision than men do. In case you’re wondering, neither brain type performs better than the other on broad measures of cognitive ability such as intelligence tests. The differences, however, have implications for how decisions are made.



We know from decades of research that women tend to behave differently than men as shoppers in business-to-consumer (B2C) settings. Take as one small example “Gender differences in information search strategies for a Christmas gift,” a study published in 1984 in the Journal of Consumer Marketing. It found that “females appeared to comprehensively acquire in-store information, whereas males appeared to heuristically limit their search to a smaller subset of in-store information.” The typical man, in other words, is mission- and task-oriented. Having determined that he needs black slacks, he will go directly to a store, pick out a pair within a half hour, and perhaps even buy two of the same item to avoid having to make the same purchase again too soon.

The typical woman, on the other hand, is a discovery-oriented shopper. Starting out with the same idea of purchasing a pair of black slacks, she will more typically approach the search with an open mind. What she really needs, she realizes, is a professional look for an upcoming conference. Not impressed by the slacks selection, or pleasantly surprised by something else, she readily adjusts her goal. The process might take significantly longer than 30 minutes, but it is more likely to result in a satisfying outcome.



Does this kind of difference carry over to how senior women make business-to-business (B2B) decisions? We were surprised, given such rich reserves of gender-related B2C studies, to find no significant research to provide an answer. So beginning in 2006 we set about conducting our own, interviewing experienced buyers of professional services, both men and women. They came from 18 large organizations, including Amvescap, Blue Shield of California, Hewlett-Packard, and Jones Lang LaSalle.



© Cathy Benko and Bill Pelster | Havard Business Review

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The price of greatness is responsibility. Sir Winston Churchill

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Life is what happens to you while you are busy making other plans. – John Lennon

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You can never cross the ocean until you have the courage to lose sight of the shore. – Christopher Columbus

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Le gouvernement ivoirien a entrepris le 22 août une médiation dans le malaise social qui secoue la Société générale de banques en Côte d'Ivoire.

 

Selon les informations recueillies par Jeune Afrique, Alain Lobognon, le ministre des Sports et de la promotion de la jeunesse, a saisi les services du Premier ministre Daniel Kablan Duncan pour trouver une issue au conflit entre la direction générale de la Société générale de banques en Côte d'Ivoire (SGBCI) et les employés, qui revendiquent une augmentation salariale de 100 % dès fin août.

 

La banque garde sa souveraineté

 

Côte d'Ivoire : la Société générale face à une contestation salariale d'un genre nouveau

 

Banque : SGBCI à la conquête des particuliers

 

"Une rencontre de haut niveau a lieu à la primature sur ce dossier. L'intervention de l'État est guidée par un souci d'éviter une grève sauvage à la fin du mois au moment de la paie des fonctionnaires, car la SGBCI représente 40% de la masse salariale, soit plus de 35 milliards de F CFA de salaires (71,2 millions de dollars). Mais la banque garde sa souveraineté", explique une source proche du dossier.

Le comité de direction de la SGBCI n'attend que des représentants du personnel pour étudier et analyser leurs revendications. "Ce qui se passe à la banque ressemble trait pour trait à ce que faisait le commando invisible à Abobo [une force pro-Ouattara, sans visage au commencement, qui sabotait et attaquait les forces pro-gbagbo pendant la crise post electorale, ndlr] pendant la crise postélectorale. Cela ne doit pas prospérer", explique une source proche de la banque.

 

En attendant la mise en place des nouveaux délégués, Bernard Labadens, le directeur général de la SGBCI, joue la carte de l'apaisement. "La seule solution se trouvera en interne dans des conditions de paix. La guerre ne sera pas déclarée au personnel", a-t-il déclaré.

 

© Jeune Afrique

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Running a business requires a great amount of work, and the nature of being an entrepreneur may mean that your work hours differ to that of a nine-to-five job. This may be considered more of a challenge for women who are also raising a family. Despite widespread belief, female business owners are not doomed to be engulfed by their businesses forever and often experience rich personal and family lives.

 

This is according to Gugu Mjadu, executive general manager of Business Partners, who says that with careful preparation and experience, female business owners are able to lead a balanced and successful lifestyle between work and home.

 

However, Mjadu says it is necessary to be realistic. “Don’t expect a good work-life balance during the first five years of a startup business. Having a lengthy and leisurely holiday during that time is also unlikely and late work nights are frequent with a young business, similar to that of a baby who needs constant attention.”

 

She adds that this can pose a problem for female entrepreneurs who also have flesh-and-blood babies. “While it can be done, it is certainly more difficult to balance both kinds of ‘babies’ at the same time.”

 

Time your startup

 

Mjadu explains that often the challenge for women is to choose the correct timing to start their business. “To build a company from the ground up requires tremendous focus, drive and commitment. Women need to decide between starting a business earlier in life, so that the business is established before passing the traditional age of having children, or instead have kids early, in order to ensure that children have grown up and are attending school when the business is ready to be founded.

 

“This decision is a difficult matter, complicated by the fact that entrepreneurs need to concentrate on their corporate careers in order to gain experience and assets before they start a business, coupled with the added pressure to remain in a secure job once they do have children.”

 

She says that Business Partners’ figures suggest that most of its female clients, who are typical South African lifestyle business owners, tend to start their businesses when their children are past their toddler years. “Most of our female clients fall in the 46- to 55-year age bracket.”

 

Appoint the right people

 

Mjadu says that one such way for entrepreneurs to work themselves free from the structures of an overwhelming startup business is by appointing the right people. “It is important to recruit staff on the basis of trainability, trustworthiness and reliability as fully trained staff, those who are able to work independently, are often unaffordable for a young, small business.” While your employees need training to the point where they can work relatively unsupervised, the business owner herself also needs training in how to delegate and how to plan and set up business systems that can run without her continuous presence, she says.

 

She adds that the staff and controls entrepreneurs need in place for a business to ‘self-run’ when they go on an uninterrupted holiday are exactly the same fundamentals that are needed for a healthy, sustainable business. “Taking a two or three week holiday is therefore a good test for any owner of a business older than five years, as if you cannot take the holiday, it is likely the business needs a review of its systems and processes.”

 

Plan at work and home

 

Mjadu says that because of the pressure that a business can put on the life of a female business owner, it is necessary to use the same planning discipline at home that is practiced in the business. “It is important to not only plan for your meetings at the office, but to also plan your activities at home thereby ensuring a balance between the two environments.”

 

She adds that that modern technology, like online shopping, can significantly help when you are trying to juggle business and domestic logistics.

 

Just as issues such as wages and supplies need to be negotiated in the business, female business owners need to negotiate support and sharing of domestic work with partners at home, says Mjadu.

 

“Many entrepreneurs start their own business driven by a desire for a better work-life balance. It’s something many of them achieve, but the first few years of a new business can be an incredibly challenging time, juggling business and family commitments.

 

“Once this balance is achieved however, there are many personal benefits and in some cases, children often become inspired by their entrepreneurial mothers and develop an understanding for business at an early age,” concludes Mjadu.

©How We Made It In Africa

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Your time is limited, so don’t waste it living someone else’s life. – Steve Jobs

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Dziś zakupy przez Internet stały się tak popularne, ze często kupujemy nie tylko używane rzeczy na aukcjach, ale również odzież damską i męską w e-sklepach oraz robimy zwykłe zakupy spożywcze. Jeżeli nie mamy czasu na zwykłe zakupy, to mojesprawy24.com.pl , gdzie możemy znaleźć tanie sukienki, a przede wszystkim modne sukienki na każdą porę roku jest idealnym miejscem do robienia zakupów . Zwykle bowiem po ciężkim dniu pracy nie mamy ochoty na shopping, zaś zasiadając przed swoim laptopem możemy spokojnie zrobić zakupy, a przesyłka z zakupionym asortymentem zostanie nam dostarczona prosto do naszych rąk. Szczególnie kiedy mieszkamy daleko od miasta i ciężko nam się dostać do dużych galerii handlowych, zakupy przez Internet to idealne rozwiązanie, aby zaoszczędzić czas i pieniądze, jakie musielibyśmy stracić jadąc na zakupy do miasta.
Zatem chcąc zrobić szybko zakupy, i jeszcze zaoszczędzić trochę pieniędzy , postawmy na internetowe zakupy, gdzie nie tylko możemy kupić wyśmienity towar, ale również możemy zaoszczędzić trochę grosza, bowiem w sieci jest zdecydowanie taniej. Minusem zakupów odzieży w e-sklepach jest brak możliwości przymierzenia kupowanej przez nas kreacji. Ułatwieniem dla klientek sklepów internetowych z odzieżą mają być precyzyjnie określone rozmiary poszczególnych ciuchów, dzięki czemu bez przymierzania konkretnej bluzki czy spódniczki możemy dobrać idealną do naszych wymiarów i postury. Wystarczy tylko przed dokonaniem zakupów zmierzyć się, a następnie sprawdzić dokładnie dostępne rozmiary. Kiedy już określimy nasz rozmiar możemy skupić się na wyborze odpowiedniego fasonu czy koloru . Podsumowując zakupy internetowe w sklepach Japan Style to idealne rozwiązanie dla kobiet , które po ciężkim dniu pracy nie mają ochotę na wycieczkę do sklepu w poszukiwaniu wymarzonej sukienki na lato.

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When you educate a man, you educate an individual,

When you educate a woman, you educate a generation.

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Les funérailles peuvent coûter très cher en Afrique. Une aubaine pour les assureurs qui cherchent à faire des affaires dans l'une des zones géographiques dont le développement est le plus rapide au monde.

 

 

Avec des cercueils en forme de poisson ou encore de taureau, les funérailles en Afrique font largement appel à la créativité des entrepreneurs de pompes funèbres. Une originalité qui n'est pas sans effet sur le porte-monnaie des familles car les enterrements peuvent coûter très cher en Afrique. Une particularité qui n'a pas échappé aux assureurs. Alors que, sur les marchés développés, les assureurs réalisent la part la plus importante de leur chiffre d'affaires en proposant des couvertures automobile ou habitation, le taux élevé de mortalité et les faibles niveaux d'épargne du continent permettent de vendre aux Africains des "assurances funéraires" qui les autorise à s'offrir des funérailles qui peuvent coûter l'équivalent de plusieurs mois de salaire. D'après l'assureur sud-africain Hollard, des funérailles standard coûtent environ 30 000 rands (soit 3 300 dollars) alors que le revenu mensuel d'un salarié du tertiaire est de 14 000 rands.

 

Un business "culturel"

 

"Il y a un gros problème avec ça. Les gens pensent que si vous voulez des funérailles intimistes et modestes, c'est parce que vous n'avez pas d'argent", déplore Emily Chauke, une consultante en cosmétiques sud-africaine de 43 ans, citée par[I] Reuters[/I], qui paie 64 dollars par mois pour rembourser des funérailles familiales. En effet, beaucoup d'Africains insistent pour avoir des funérailles les plus somptueuses possible.

 

Les Africains ne sont certes pas les seuls à dépenser beaucoup d'argent pour enterrer leurs morts. Mais, sur le continent, le nombre de funérailles par habitant est plus élevé que n'importe où dans le monde. En Afrique du Sud, par exemple, le taux de mortalité dépasse 17 personnes sur 1 000 par an, c'est-à-dire presque le double de la moyenne globale. Par ailleurs, six des dix pays ayant le plus fort taux de mortalité sont africains, selon le CIA World Factbook.

 

Assurances funéraires

 

"Les assurances funéraires constituent un produit de pointe dans beaucoup de nos marchés. Elles contribuent actuellement à plus de 60 % des ventes d'assurance-vie individuelles en Afrique", affirme Gautam Duggal, responsable du secteur bancassurance pour la banque britannique Standard Chartered en Afrique, au Moyen-Orient et en Asie du Sud.

 

Tandis que les sociétés de services financiers considèrent l'assurance funéraire comme une manière de s'implanter dans plusieurs marchés africains, elles doivent désormais faire face à une concurrence locale importante. Par exemple, une société ougandaise, A-Plus Funeral, est passée d'un seul directeur de funérailles il y a dix ans à 13 aujourd'hui et réalise 2 millions de dollars de chiffre d'affaires par an.

 

© Jeune Afrique

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Africa hopes to duplicate the success India had with the banking concept. But the continent has been slower to adopt it. “The microfinancing models have tended to be more successful in Asia and even the South Pacific, but with mixed success in Africa,” McCabe said.

It may be hard to convince Africans to follow the rules of microfinancing, according to Osuji Uzoma, branch manager of a microfinance bank in Nigeria. “The people still believe in the national cake idea, so they take and don’t repay.”

Money to fund the programs is also an obstacle. “I think one of the main reasons is that establishing microfinance on a large scale inevitably requires initial capital investment,” says McCabe. “Funding perhaps has been an issue for this in Africa (in parts), whereas in the Asia/Pacific region there appears to have been a more structured approach to the funding models through places like the Asian Development Bank and the Gates Foundation. The more significant political and systemic risks in Africa have made it a less attractive target for investors.”

It’s important to use microfinancing to empower women, Uzoma says. “Women are more reserved and responsible financially than men in Africa. Women have the highest percentage of unemployment in Africa but they are more enterprising/industrious than men in some cases.”

McCabe adds, “Women in Africa, as in many developing nations, are subject to oppression and prejudice. Microfinancing is important to women particularly in terms of sorely-need empowerment, plus they are often the poorest and are responsible for household welfare.”

Still microfinancing in Africa needs fine-tuning, says Uzoma. “Some microfinance institutions make compulsory savings, some do group lending, and others do individual lending. The proper lending methodology for the target client is yet to be discovered. And governments have little or no involvement in sustaining these microfinance banks financially so sustainability becomes a challenge.”

If used correctly, microfinancing is a valuable tool in Africa, Uzoma says. “African has the highest percentage of underdeveloped countries. It has a very large population of persons living below the poverty line of $2 a day.”

As in any developing region, microfinance is proving to be a powerful tool in helping communities lift themselves out of poverty, McCabe said.

“There are huge populations in need of help in Africa, and the process of encouraging micro-entrepreneurs becomes a self-feeding cycle, which can alleviate a lot of the political and systemic problems. The social improvements filter down to help entire communities, not just individuals.”

 

© Ann Brown | Afk Insider

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'' Education train, Experience nurture '' -  Gabon

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" L'éducation forme,l'expérience forge "  -  Gabon

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Sprzedawana przez e-sklep odzież to często ta sama odzież damska, która jest sprzedawana w tradycyjnych sklepach. Często na przykład ten sam tradycyjny sklep z sukienkami oferuje po pseudo promocyjnej cenie, w czasie kiedy takie same modele można w sieci zakupić o wiele taniej. Dzieje się tak ponieważ sprzedawana odzież damska w e-sklepie nie jest obciążana kosztami wynajmu powierzchni handlowej czy zatrudnienia sprzedawców. Takie sklepy z sukniami sprzedają z o wiele większą marżą, aby zrekompensować sobie http://meski-swiat24.com.pl/uncategorized/kam/ wydatki na koszty związane z działalnością, więc automatycznie ceny idą w górę.
Sprzedawana przez sklep internetowy odzież Japan Style jest pozbawiona tego typu obciążeń, ponieważ koszty prowadzenia takiego sklepu z odzieżą damską są o wiele niższe . Dlatego też dziewczyny, mogąc nabyć tam na przykład tanie tuniki , są coraz częstszymi klientkami. Jednak tak kupowane tanie tuniki , wymagają nieco więcej wysiłku od konsumentek. Powodem jest prosta wada dotykająca taki sklep sprzedający odzież Japan Style, a w tym sklep z butami . Jest to po prostu brak możliwości przymierzenia danego, wybranego modelu . Jednakże panie i na to znalazły sposób, który nieco drażni właścicieli sklepów tradycyjnych.
Jeśli mają wiedzę na temat tego jakie w danym sezonie sprzedaje na przykład znanej marki, a do tego potrafią znaleźć taką samą w Internecie, to najprostsze rozwiązanie nasuwa się od razu. Wystarczy przymierzyć ją w sklepie na przykład na pasażu handlowym , a następnie kupić identyczną w sieci ,
meski-swiat24.com.pl

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Do your little bit of good where you are; it is those little bits of good put together that overwhelm the world. - Desmond Tutu

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African consumers value American products highly and are among the most brand-loyal customers in the world – if you win them over today, they might stay with you for life, says San Francisco-based consultant David Michael.

 

As many as a dozen African economies are expected to grow by double digits in 2013, according to a report in NationalInterest.org.

 

While rich in oil, minerals and other natural resources, Africa’s greatest resource is its human capital says Michael, a partner in The Boston Consulting Group, a global management and strategy company.

 

Africa has a population of more than 1.1 billion compared to China’s 1.3 billion and India’s 1.2 billion. Forward-looking businesses should take note that more than 60 percent of Africa’s population is under age 35, Michael said.

 

More than half of all African countries are considered working democracies with increased transparency, reduced corruption, improved property-rights protections and the rule of law. Even so, the Wall Street Journal’s 2013 Index of Economic Freedom ranks the economies of just eight North African countries as moderately free or better, while just nine sub-Saharan countries fall in this range, the report said

 

© Dana Sanchez| Afk Insider

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Les consommateurs africains apprécient les produits américains hautement et sont parmi les clients les plus fidèles à une marque dans le monde.


Si vous les gagner aujourd'hui, ils peuvent rester avec vous pour la vie, dit David Michael ; consultant basé à San Francisco.


D’autant qu'une douzaine de pays africains devraient  avoir des taux de croissance à deux chiffres en 2013, selon un rapport publié dans NationalInterest.org.


Bien que riche en pétrole, minéraux et autres ressources naturelles, la plus grande ressource de l'Afrique est son capital humain explique Michael,  Associé au Boston Consulting Group, une compagnie de management et stratégie.


L'Afrique a une population de plus de 1,1 milliard contre 1,3 milliard en Chine et 1,2 milliard de l'Inde. Les entreprises prospectives doivent prendre conscience que plus de 60 pour cent de la population africaine a moins de 35 ans, disait Michael.


Plus de la moitié de tous les pays africains sont considérés comme des démocraties et travaillent avec une transparence accrue, pour réduire la corruption, améliorer la protection des droits de propriété et le respect du droit.


Ainsi, l'indice de liberté économique du Wall Street Journal de 2013 classe les économies de seulement huit pays d'Afrique du Nord comme modérément libre ou mieux, alors que seulement neuf pays d'Afrique subsaharienne entrent dans cette gamme, selon le rapport.


© Dana Sanchez| Afk Insider

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