Creating Wealth with South Africa's Low-income Communities Through Partnership and Innovation
The base of the pyramid (BOP)—the largest socio-economic group, but which also has the lowest income—is the subject of increasing attention in business practices worldwide, the current shift of which is toward creating a more sustainable market. That trend is thoroughly detailed in this helpful guide to understanding and succeeding in BOP business. Utilizing case studies from South Africa, the book demonstrates that in South Africa, around 60 percent of the population is not served or underserved by current business, with similar comparisons existing globally. The book offers strategies for tapping the significant new market both effectively and ethically, and showcases pioneering BOP businesses as well as the failures—giving special focus to what makes an approach sustainable. Also included are interviews with more than 40 top players, and the case studies include Nestlé, Danone, Walmart, Blue Label Technologies, and Capitec.
banking, with the most successful early pioneer being Kenya's m-pesa (now
implemented in South Africa through a partnership between Nedbank and
Vodacom). At a time when more than 75% of Kenya's population had cellphone
access, ...
RF CMOS Power Amplifiers: Theory Design and Implementation focuses on the design procedure and the testing issues of CMOS RF power amplifiers. This is the first monograph addressing RF CMOS power amplifier design for emerging wireless standards. The focus on power amplifiers for short is distance wireless personal and local area networks (PAN and LAN), however the design techniques are also applicable to emerging wide area networks (WAN) infrastructure using micro or pico cell networks. The book discusses CMOS power amplifier design principles and theory and describes the architectures and tardeoffs in designing linear and nonlinear power amplifiers. It then details design examples of RF CMOS power amplifiers for short distance wireless applications (e, g., Bluetooth, WLAN) including designs for multi-standard platforms. Design aspects of RF circuits in deep submicron CMOS are also discussed. RF CMOS Power Amplifiers: Theory Design and Implementation serves as a reference for RF IC design engineers and RD and R&D managers in industry, and for graduate students conducting research in wireless semiconductor IC design in general and with CMOS technology in particular.
Mona M. Hella, Mohammed Ismail. Chapter 2 POWER AMPLIFIER; CONCEPTS
AND CHALLENGES 1. Introduction Power Amplifiers are part of the transmitter
front-end, and are used to amplify the signal being transmitted so that it can be ...
Berdasarkan survei Lembaga Demografi FE UI 2012[1], hanya 35.31% penduduk dewasa Indonesia yang memiliki rekening di lembaga keuangan formal. Survei tersebut sejalan dengan hasil survei rumah tangga yang dilakukan Bank Indonesia pada tahun 2011 yang menunjukkan bahwa hanya 48% masyarakat Indonesia yang memiliki tabungan di bank dan Lembaga Keuangan non bank serta pada sektor non Lembaga Keuangan (non formal). Sementara itu, menurut World Bank (2011) hanya 19,6% orang dewasa di Indonesia yg memiliki rekening di Lembaga Keuangan Formal, dan jumlah tersebut masih sangat rendah jika dibandingkan dengan negara tetangga Malaysia yang jumlahnya sudah mencapai 66,7% dan Thailand yang angkanya sudah mencapai 77,7%. Sehubungan dengan hal tersebut, dalam rangka meningkatkan jumlah penduduk yang memiliki rekening di bank, Kantor Perwakilan Bank Indonesia Provinsi Kalimantan Tengah melaksanakan Program Edukasi Keuangan sebagai bagian dari Program Financial Inclussion yang merupakan komponen penting dari inklusi sosial dan ekonomi. Tersedianya akses terhadap layanan keuangan juga merupakan hal penting dalam upaya meningkatkan partisipasi masyarakat dalam perekonomian modern, sehingga masyarakat dapat menjadi bagian kegiatan ekonomi yang lebih luas. Salah satu permasalahan yang dihadapi oleh masyarakat atau pelaku UMKM dalam mendapatkan layanan jasa perbankan adalah keterbatasan informasi mengenai produk dan jasa bank yang sesuai dengan kebutuhan mereka, baik yang terkait dengan kredit atau pembiayaan maupun penghimpunan dana. Dalam upaya mengatasi permasalahan diatas dan merupakan bagian dari program financial inclusion, maka Kantor Perwakilan Bank Indonesia Provinsi Kalimantan Tengah menyusun Buku Direktori Kredit dan Dana Pihak Ketiga Perbankan di Provinsi Kalimantan Tengah, yang diharapkan dapat menjadi sumber informasi bagi masyarakat atau pelaku usaha, khususnya UMKM. Akhirnya, kami mengucapkan terima kasih kepada semua pihak yang telah membantu tersusunya buku ini. Semoga buku ini bermanfaat dalam upaya mendukung pembangunan di Provinsi Kalimantan Tengah [1]Survei kerjasama BI dan Lembaga Demografi FE UI pada Triwulan IV 2012
DAFTAR ISTILAH POPULAR PERBANKAN SYARIAH ISTILAH ARTI Akad Ikatan
atau kesepakatan antara nasabah dengan bank yakni pertalian ijab (pernyataan
melakukan ikatan) dan kabul (penyertaan menerima ikatan) sesuai dengan ...
Modeling in Transport Phenomena, Second Edition presents and clearly explains with example problems the basic concepts and their applications to fluid flow, heat transfer, mass transfer, chemical reaction engineering and thermodynamics. A balanced approach is presented between analysis and synthesis, students will understand how to use the solution in engineering analysis. Systematic derivations of the equations and the physical significance of each term are given in detail, for students to easily understand and follow up the material. There is a strong incentive in science and engineering to understand why a phenomenon behaves the way it does. For this purpose, a complicated real-life problem is transformed into a mathematically tractable problem while preserving the essential features of it. Such a process, known as mathematical modeling, requires understanding of the basic concepts. This book teaches students these basic concepts and shows the similarities between them. Answers to all problems are provided allowing students to check their solutions. Emphasis is on how to get the model equation representing a physical phenomenon and not on exploiting various numerical techniques to solve mathematical equations. A balanced approach is presented between analysis and synthesis, students will understand how to use the solution in engineering analysis. Systematic derivations of the equations as well as the physical significance of each term are given in detail Many more problems and examples are given than in the first edition - answers provided
Heat flux Heat transfer coefficient Length Mass Mass flow rate Mass flux Mass
transfer coefficient Power PreSSure Temperature Thermal Conductivity Velocity
Viscosity Volume Volumetric flow rate 1 W/m2 = 1 J/s-m” 1 W/m2 = 0.31709 Btu/h.
ft” ...
Muslim Shia Clerics Between Quietism and Resistance
Religion and Politics in Iraq features four chapters that outline the major political developments faced by Iraq's Muslim clerics from the end of the 19th century, under the ailing Ottoman empire, to the 1980s. This crucial period saw fierce internal struggles, foreign intervention and bloody persecution of the political opposition, as well as the emergence of a totalitarian one-party system with absolute control over all sectors of social and religious life. During this period, Baathist Iraq attacked its Muslim neighbours Kuwait and Iran and used poison gas in its "ethnic cleansing" campaign against the Kurds. This book focuses on the dilemma of Iraq's clerics within this setting, caught between political activism and quietism. It addresses also major developments in neighbouring Iran insofar as they had a bearing on Iraq.
Muslim Shia Clerics Between Quietism and Resistance M. Ismail Marcinkowski. 4
. Quietism. versus. Activism. Past. and. Present: The. Theoretical. Discussion.
within. the. Community. In the previous chapter I have aimed at demarcating the ...
Dua bulan setelah Taman Ismail Marzuki diresmikan (Desember 1968 - Januari
1969) , Pusat Kesenian Jakarta - Taman Ismail Marzuki hanya mencatat satu
acara, yaitu Tari Wira Rasa di Teater Arena. Namun selama seperempat abad ...
He defined the functions sm(u, q) and cm(u, a) as the solutions to the coupled
system s'(u) = c2(u) - as(u), c'(u) = -s2(u) + ac(u), (21.9.48) subject to the initial
conditions s(0) = 0, c(0) = 1. In this notation, s = sm, c = cm. In his doctoral
dissertation ...
