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The term "microcredit" identifies a small loan for the benefit of a person who cannot provide collateral. Muhammad Yunus has shown that microcredit can be an effective instrument of development in emerging countries: in fact the poor derive actual benefits from the credit realizing micro entrepreneurial activities, becoming successful managers of resources and returning the credit.
In recent years the phenomenon of microcredit has given way to that of Microfinance, which identifies the set of financing services to of low-income customers. Microfinance can make an important contribution to achieving the Millennium Development Goals, the 8 large commitments taken by the Governments of the 189 States members of the United Nations to reduce poverty by 2015. From some time even industrialized countries are implementing development programs based on Microfinance: industrialized societies are continuously evolving and unfortunately they are unable to address all social problems, so microfinance can be an instrument of social and economic inclusion.
Finance Channel has an area devoted to this subject because it wants to explore the opportunities that microfinance can generate in the Italian economic and social environment, helping to create innovative services dedicated to companies and individuals.
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There are no translations available.
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L'Area dedicata alla finanza comportamentale nasce con lo scopo di fornire un'ampia panoramica sugli studi in materia e sulle applicazioni pratiche che ne derivano, laddove la ricerca scientifica nell’ambito della psicologia cognitiva viene applicata alla comprensione delle decisioni economiche e all'analisi di come esse si riflettano nei prezzi di mercato e nell'allocazione delle risorse. I modelli studiati in questi campi tipicamente integrano risultati della psicologia cognitiva con l'economia neoclassica. La finanza comportamentale indaga in modo particolare la razionalità e l'interesse dei giocatori, la condivisione e le modalità di fruizione delle informazioni da parte dei decisori e le applica in ambiti reali, quali appunto i mercati finanziari. L'area dedicata si propone di divulgare i principali modelli che integrano psicologia e scienza economica, a partire dalla Prospect Theory di Kahneman e Tversky per arrivare alle rivisitazioni più recenti, in modo particolare focalizzandosi sulle teorie delle decisioni in
condizioni d'incertezza.
Accanto alla teoria, ampio spazio verrà dedicato ai corsi di approfondimento e alle applicazioni concrete che ne derivano oggi, in particolar modo nella formazione legata alla promozione finanziaria, private banking, consulenza. |
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Entrepreneurship & Family Business |
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L’area Entrepreneurship & Family Business si focalizza sull’approfondimento delle tematiche di gestione, crescita e internazionalizzazione dei family business, capitalizzando l’esperienza di un network di imprenditori, consulenti direzionali e accademici e proponendosi come interlocutore privilegiato sia dei family business italiani sia degli operatori finanziari che ad essi si rivolgono.
Tra le attività avviate dall’area, particolare attenzione è dedicata all’elaborazione “on-field” del profilo di rischio tipico dei family business italiani e alle best practice per la gestione del passaggio generazionale.
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Risk Management can be declined in financial risk management, on which several legislative measures, such as Basel 2, intervened ,and in the integrated management of business risks in non-financial enterprises.
The Finance Channel area on Risk Management, while remaining committed on both sides, has a particular focus on the second point, namely the Enterprise Risk Management (ERM) in non-financial enterprises, which compared to the first is developing much more slowly, at least in Italy.
According to De Loach, Managing Director of Protiviti and Advisory Board Member of COSO, ERM is a structured methodology that takes into account all aspects of business management: strategies, market processes, financial resources, human resources, technologies. It's an integrated approach, focused on future-oriented processes that can help organizations manage risks and identify business opportunities.
In fact, it allows to look at risks not only as a threats but also as opportunities for companies, which, through active management of risks, can increase their competitive advantage; this is particularly relevant in an increasingly globalized world, where openness to international markets brings more opportunities, yet also involves a higher risk profile.
Today, ERM is implemented in large multinationals, especially in sectors such as Energy, Oil & Gas, Chemicals and Petrochemicals, while it is still not known in smaller and local companies. Finance Channel, on one side, aims at raising awareness among entrepreneurs to these issues through meetings and publications, on the other side carries on research and develops other activities to identify best practices and guidelines for their implementation.
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