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Welcome back to MSME TALK® Industry Bite. MSME TALK® Industry Bite brings industry information news, data, facts, evolution, opportunities etc for Micro enterprises, SMEs, startups, businesses. MSME TALK® channel has different segment like Industry Expert, Brand Bite and Industry Bite.
Zeno Martinez Founder at ZenLabs. ZenLabs is a venture builder based in Iloilo helping MSMEs towards digital transformation. ZenLabs drives end-to-end digital transformation by solving business challenges and building strong client relationships. ZenLabs' venture, Bulig.ai, is an all-in-one business management and ERP tool for streamlining small business operations. This episode is recorded live at WVSU BINHI TBI. In this episode | 00:55 Ano ang ZenLabs? | 01:33 What is the story behind building a venture builder? | 21:09 What is the problem regarding innovation that is being addressed? | 28:42 How does a venture builder create solutions? | 57:35 What is the overall philosophy of ZenLabs in venture building? | 1:00:36 How can listeners find more information?BULIG.AI | Website: https://bulig.aiWVSU BINHI TBI |Website: https://wvsu.edu.ph/binhi | Facebook: https://facebook.com/wvsubinhiTHIS EPISODE IS CO-PRODUCED BY:SPROUT SOLUTIONS | Website: https://sprout.ph | Sprout Payroll Starter: https://bit.ly/SproutPayrollStarterAPEIRON | Website: https://apeirongrp.com | Facebook: https://facebook.com/apeirongrpTWALA | Website: https://twala.io | Facebook: https://facebook.com/twalaioSYMPH | Website: https://symph.co | Facebook: https://facebook.com/SymphCoMAROON STUDIOS | Website: https://maroonstudios.com | Facebook: https://facebook.com/maroonstudiosincAIMHI | Website: https://aimhi.ai | Facebook: https://facebook.com/aimhiconstructionCHECK OUT OUR PARTNERS | Ask Lex PH Academy: https://asklexph.com (5% discount on e-learning courses! Code: ALPHAXSUP) | Founders Launchpad: https://founderslaunchpad.vc | CloudCFO: https://cloudcfo.ph (Free financial assessment, process onboarding, and 6-month QuickBooks subscription! Mention: Start Up Podcast PH) | Cloverly.tech: https://cloverly.tech | BuddyBetes: https://buddybetes.com | HKB Digital Services: https://contakt-ph.com (10% discount on RFID Business Cards! Code: CONTAKTXSUP) | Hyperstacks: https://hyperstacksinc.com | OneCFO: https://onecfoph.co (10% discount on CFO services! Code: ONECFOXSUP) | UNAWA: https://unawa.asia | SkoolTek: https://skooltek.co | Better Support: https://bettersupport.io (Referral fee for anyone who can bring in new BPO clients!) | Britana: https://britanaerp.com | Wunderbrand: https://wunderbrand.com | Fail Coach: https://fail.coach | Drive Manila: https://facebook.com/drivemanilaph | EastPoint Business Outsourcing Services: https://facebook.com/eastpointoutsourcing | Doon: https://doon.ph | Hier Business Solutions: https://hierpayroll.com | DVCode Technologies: https://dvcode.tech | Mata Technologies: https://mata.ph | LookingFour Buy & Sell Online: https://lookingfour.com | NutriCoach: https://nutricoach.com | Uplift Code Camp: https://upliftcodecamp.com (5% discount on bootcamps and courses! Code: UPLIFTSTARTUPPH) | Digest PH: https://digest.ph (10% discount on legal services! Code: DIGESTXSUP)START UP PODCAST PH | YouTube | Spotify | Apple Podcasts | Facebook | Patreon | WebsiteEdited by: https://tasharivera.com
NEWS: Digitalization crucial to MSMEs | April 25, 2025Visit our website at https://www.manilatimes.netFollow us:Facebook - https://tmt.ph/facebookInstagram - https://tmt.ph/instagramTwitter - https://tmt.ph/twitterDailyMotion - https://tmt.ph/dailymotionSubscribe to our Digital Edition - https://tmt.ph/digitalSign up to our newsletters: https://tmt.ph/newslettersCheck out our Podcasts:Spotify - https://tmt.ph/spotifyApple Podcasts - https://tmt.ph/applepodcastsAmazon Music - https://tmt.ph/amazonmusicDeezer: https://tmt.ph/deezerStitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimesVisit our website at https://www.manilatimes.netFollow us:Facebook - https://tmt.ph/facebookInstagram - https://tmt.ph/instagramTwitter - https://tmt.ph/twitterDailyMotion - https://tmt.ph/dailymotionSubscribe to our Digital Edition - https://tmt.ph/digitalSign up to our newsletters: https://tmt.ph/newslettersCheck out our Podcasts:Spotify - https://tmt.ph/spotifyApple Podcasts - https://tmt.ph/applepodcastsAmazon Music - https://tmt.ph/amazonmusicDeezer: https://tmt.ph/deezerStitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes Hosted on Acast. See acast.com/privacy for more information.
Mike Natividad is Founder at INNO Digital Marketing. INNO Digital Marketing is providing market research and digital marketing solutions for micro, small, and medium enterprises. They do this by providing market insights, especially helpful for enterprises penetrating local markets, and executing a marketing strategy that includes social media management, ads creation, and leads generation.This episode is recorded live at ISAT U KWADRA TBI. ISAT U KWADRA TBI is a startup incubator based in Iloilo Science and Technology University, Iloilo City.In this episode | 00:54 Ano ang INNO Digital Marketing? | 04:22 What problem is being solved? | 13:04 What solution is being provided? | 24:00 What are stories behind the startup? | 47:40 What is the vision? | 50:42 How can listeners find more information?INNO DIGITAL MARKETING | Website: https://www.innodigitalmarketing.com | Facebook: https://facebook.com/InnoDigitalMarketingServicesISAT U KWADRA TBI | Website: https://kwadratbi.tech | Facebook: https://facebook.com/KwadraTBITHIS EPISODE IS CO-PRODUCED BY:SPROUT SOLUTIONS | Website: https://sprout.ph | Sprout Payroll Starter: https://bit.ly/SproutPayrollStarterAPEIRON | Website: https://apeirongrp.com | Facebook: https://facebook.com/apeirongrpTWALA | Website: https://twala.io | Facebook: https://facebook.com/twalaioSYMPH | Website: https://symph.co | Facebook: https://facebook.com/SymphCoMAROON STUDIOS | Website: https://maroonstudios.com | Facebook: https://facebook.com/maroonstudiosincAIMHI | Website: https://aimhi.ai | Facebook: https://facebook.com/aimhiconstructionCHECK OUT OUR PARTNERS | Ask Lex PH Academy: https://asklexph.com (5% discount on e-learning courses! Code: ALPHAXSUP) | Founders Launchpad: https://founderslaunchpad.vc | CloudCFO: https://cloudcfo.ph (Free financial assessment, process onboarding, and 6-month QuickBooks subscription! Mention: Start Up Podcast PH) | Cloverly.tech: https://cloverly.tech | BuddyBetes: https://buddybetes.com | HKB Digital Services: https://contakt-ph.com (10% discount on RFID Business Cards! Code: CONTAKTXSUP) | Hyperstacks: https://hyperstacksinc.com | OneCFO: https://onecfoph.co (10% discount on CFO services! Code: ONECFOXSUP) | UNAWA: https://unawa.asia | SkoolTek: https://skooltek.co | Better Support: https://bettersupport.io (Referral fee for anyone who can bring in new BPO clients!) | Britana: https://britanaerp.com | Wunderbrand: https://wunderbrand.com | Fail Coach: https://fail.coach | Drive Manila: https://facebook.com/drivemanilaph | EastPoint Business Outsourcing Services: https://facebook.com/eastpointoutsourcing | Doon: https://doon.ph | Hier Business Solutions: https://hierpayroll.com | DVCode Technologies: https://dvcode.tech | Mata Technologies: https://mata.ph | LookingFour Buy & Sell Online: https://lookingfour.com | NutriCoach: https://nutricoach.com | Uplift Code Camp: https://upliftcodecamp.com (5% discount on bootcamps and courses! Code: UPLIFTSTARTUPPH) | Digest PH: https://digest.ph (10% discount on legal services! Code: DIGESTXSUP)START UP PODCAST PH | YouTube: https://youtube.com/startuppodcastph | Spotify: https://open.spotify.com/show/6BObuPvMfoZzdlJeb1XXVa | Apple Podcasts: https://podcasts.apple.com/us/podcast/start-up-podcast/id1576462394 | Facebook: https://facebook.com/startuppodcastph | Patreon: https://patreon.com/StartUpPodcastPH | Website: https://phstartup.onlineThis episode is edited by the team at: https://tasharivera.com
Brought to you by the Founders Unfiltered podcast by A Junior VC - Unscripted conversations with Indian founders about their story and the process of building a company. Hosted by Aviral and Mazin.Join us as we talk to Sundeep Mohindru, the Founder Director of M1xchange about their story.Sundeep Mohindru is a visionary entrepreneur and Chartered Accountant with over 18 years of experience in consulting, audit, and finance. He is the Founder Director of Mynd Solutions, a leading business process solutions firm with over 1,200 employees, serving clients across India, APAC, and MEA. Under his leadership, Mynd Solutions launched M1xchange in 2017, a transformative platform that has revolutionized the industry.
In today's episode of The Daily Brief, we cover 2 major stories shaping the Indian economy and global markets: 00:04 Intro 00:41 Why do India's MSMEs stay small 08:08 Will steel soon be more expensive? 15:31 Tidbits We also send out a crisp and short daily newsletter for The Daily Brief. Put your email here and we'll make you smart every day: https://thedailybriefing.substack.com/ Note: This content is for informational purposes only. None of the stocks, brands, or products mentioned are recommendations or endorsements.
Episode #47 Building a Legal Business in a Deemed Illegal Industry Ft. Jahan Jamas, Co Founder, BOHECO Welcome back to MSME TALK® with Industry Expert. Industry Expert segment brings Industry Expert who discusses on specific topic relevant for MSMEs, Startup to scale up and build long-lasting Businesses. It takes tremendous courage to question the rules of the land and challenge why a business is deemed illegal or prohibited. In Ep 47 you will know how to grow business often defined by strict regulations or uncertainty through BOHECO's journey.
Jeremy Au talks with Gita Sjahrir, an Indonesian economist and entrepreneur, in a deep dive on Indonesia's current macroeconomic conditions and policy landscape. They analyze how inconsistent government communication, executional shortcomings, and short-term policymaking have contributed to uncertainty among investors and the public. The discussion also explores infrastructure priorities, the structural incentives behind recent decisions, and the enduring resilience of Indonesian citizens and micro, small, and medium enterprises (MSMEs). This episode offers a pragmatic assessment of an economy with strong fundamentals navigating through complex challenges. 1. Market turmoil triggered by poor policy communication: Stock prices dropped, and the IDX temporarily halted trading after inconsistent government messaging on taxes and royalties. 2. Investor confidence shaken by opacity: The lack of clear direction and unified communication made both local and foreign investors wary of the policy environment. 3. Layoffs highlight deeper weaknesses: Mass layoffs by a major garment company raised concerns about weakening consumer demand and employment trends. 4. Sovereign wealth fund rollout lacks transparency: The introduction of DARA, a new sovereign wealth fund, failed to clarify how infrastructure or job creation goals would be met. 5. Execution—not intent—is the policy bottleneck: While school lunch programs and stimulus plans aim to help, flawed rollout and budget tradeoffs create new public dissatisfaction. 6. Budget cuts send mixed signals: Programs for small and medium businesses have seen funding reduced, undermining growth for the sector that employs millions. 7. Controversial military law revision sparks unrest: The lack of draft transparency triggered fears over potential authoritarian shifts, adding to market and public anxiety. Watch, listen or read the full insight at https://www.braves ea.com/blog/crisis-of-confidence Get transcripts, startup resources & community discussions at www.bravesea.com WhatsApp: https://whatsapp.com/channel/0029VakR55X6BIElUEvkN02e TikTok: https://www.tiktok.com/@jeremyau Instagram: https://www.instagram.com/jeremyauz Twitter: https://twitter.com/jeremyau LinkedIn: https://www.linkedin.com/company/bravesea English: Spotify | YouTube | Apple Podcasts Bahasa Indonesia: Spotify | YouTube | Apple Podcasts Chinese: Spotify | YouTube | Apple Podcasts Vietnamese: Spotify | YouTube | Apple Podcasts
EHS Myanmar Monthly Podcast (March_2025)"မြန်မာ MSME များအတွက် ရေရှည်တည်တံ့ခြင်းဆိုင်ရာအခွင့်အလမ်းများ" ——————————————————————EHS Myanmar မှ (၂၀၂၄) ခုနှစ်တွင် "Assessing and Promoting Sustainable Opportunities in Myanmar MSMEs" ခေါင်းစဥ်ဖြင့် သတေသနစာတမ်း အားထုတ်ဝေခဲ့ပါသည်။ ထိုစာတမ်းမှကောက်နှုတ်ချက်များကို EHS Myanmar Monthly Podcast အနေဖြင့် (၂၀၂၅) ခုနှစ် မတ်လ (၆) ရက်နေ့တွင် ကိုတိုးလွင်ရှိန် (Research Associate) နှင့် မအိမွန်စိုး (Research Assistant) တို့မှ ပြုလုပ်ခဲ့သော သုတေသနဆိုင်ရာ ဆွေးနွေးမှုကိုတင်ဆက်လိုက်ရပါသည်။Research paper အပြည့်အစုံအား ဖတ်ရန်: Link#EHSMyanmar #Myanmarenvironment #sustainability #msmes This podcast was recorded on 06th March 2025. EHS Myanmar Podcast series: Season 5 Episode 2Follow us on social media for more educational contents.Learn more at: Facebook, Instagram, YouTube, TikTok and EHS website.
0:00 - Intro0:08 - Veteran and renowned business Journalist Owen James has died. James was a pioneer in business journalism in Jamaica.0:44 - The TransJamaican Highway offer closed on March 18. The National Road Operating and Constructing Company said that due to excess demand, the offer had to be upsized.0:54 - Scotia Group reported an impressive 34 percent increase in net profits for its first quarter that ended in January.1:22 - NCB has launched a one billion dollar SME Growth Fund to give MSMEs access to lower-cost financing.2:09 - Trinidad and Tobago has a new Prime Minister. Former Energy Minister Stuart Young was sworn in on Monday as the eighth prime minister.2:56 -The trade war between the United States and the European Union is heating up. US President Donald Trump has threatened a 200 percent tariff on all EU alcohol imports to the US.
Why do business loans drive economic growth while consumer debt can be risky? In this conversation with Y.S. Chakravarti, we explore the power of smart lending, how financing entrepreneurs creates jobs, and why funding business assets is better than fueling consumption.From real-world lending experiences to lessons on financial discipline, this discussion covers:1. The key differences between business loans and consumer debt2. Why smart lending supports MSMEs and long-term financial stability3. How a ₹50,000 loan helped build a ₹5,000 crore business4. The psychology of borrowing and repayment behavior5. The future of finance: Human insights vs. digital lending models(00:00) Introduction(01:20) An anecdote from Mr. Chakravarti's early career(05:45) Growth of Shriram Finance(07:34) Truck Finance and Earning Assets(11:22) Why is Shriram Finance amalgamated?(12:55) Main income streams(15:07) No unsecured credit and why(18:53) 2 Wheeler business(21:38) Views on the technology and the digital world(25:00) Customer Acquisition(28:18) RBI reducing the risk weights(30:00) Expansion in Physical Branches v Digital platforms(32:39) Growth hinges on Transportations and MSMEs(37:24) Anecdote on what to avoid (learning from mistakes)(41:10) What can young people learn from the lending business?Smart lending is about more than just providing money—it's about supporting entrepreneurs, businesses, and long-term financial success. Understanding the difference between business loans and consumer debt is essential for making better financial decisions.Listeners! We await your feedback....The Core and The Core Report is ad supported and FREE for all readers and listeners. Write in to shiva@thecore.in for sponsorships and brand studio requirementsFor more of our coverage check out thecore.inJoin and Interact anonymously on our whatsapp channelSubscribe to our NewsletterFollow us on:Twitter | Instagram | Facebook | Linkedin | Youtube
"We realized that just lending is not the answer. You need to solve a problem for the small business owner." This quote from Tashwinder Singh encapsulates the core philosophy driving Niyogin's approach. It's not just about providing capital; it's about understanding and addressing the holistic needs of small businesses in India, moving beyond simple transactions to genuine problem-solving. This sets the stage for a discussion about a more nuanced and impactful approach to fintech. About Tashwinder Singh: Tashwinder Singh, CEO of Niyogin, is a financial services veteran with a track record of building and scaling businesses. He spent 18 years at Citibank, culminating in leadership roles before transitioning to the world of private credit at KKR, where he managed ~$1 billion in annual disbursements in India. Now, he's leading Niyogin's ambitious journey to revolutionize lending for small businesses, growing their loan book from ₹100 crores to a targeted ₹800 crores in the near future. His experience spans corporate finance, consumer banking, and the complexities of the Indian credit market. Key Insights from the Conversation:
In today's episode of the Indian Business Podcast, we have Rajnish Kumar, the former Chairman of the State Bank of India. With decades of experience in the banking sector, he shares insights on India's economic journey, the challenges MSMEs face in accessing loans, the Banking crisis after the 2008 reforms and the implications of demonetisation on the economy. Kumar's extensive background and leadership have played a crucial role in shaping India's financial landscape.This episode is a must-watch for anyone interested in understanding India's financial landscape and the nuances of entrepreneurship.
In the second episode in the DLAI Fintech Conclave 2025 podcast series, we are joined by Pallavi Shrivastava, co-founder of Progcap, to explore the critical role of MSMEs (Micro, Small, and Medium Enterprises) in driving India's economic growth. As India sets its sights on achieving Viksit Bharat—a vision of a developed India—MSMEs are positioned as a key driver of this transformation. However, access to finance and digitization remain significant challenges for many small businesses.Pallavi shares her expert perspective on how fintech innovation is bridging these gaps, empowering MSMEs with much-needed access to formal credit and digitization solutions. The episode delves into the recent budget announcements aimed at boosting MSMEs, fintech innovations reshaping access to finance, and the challenges faced by small businesses in adopting new technology.This episode offers a comprehensive look at the future of MSMEs and how they are central to the Viksit Bharat vision.Key Highlights:
Ankush Julka, CEO of MufinpayMufinPay, a PPI license holder, is redefining digital payments with its Super App, PPI Wallet, Gift Cards, GPR Cards, and Bank in a Box. Offering seamless UPI payments, secure prepaid cards, and a robust e-banking experience, it simplifies everyday transactions like bill payments, FASTag top-ups, and P2P transfers. Ankush Julka, CEO of MufinPay, speaks with Puja Sharma of IBS Intelligence on the future of digital payments and FinTech's role in financial inclusion.
Episode #46 Budget 2025 for MSMEs and Startups Ft. Medini Aggarwal, Director – SS Kothari Mehta Company.
Welcome to Top of the Morning by Mint, your weekday newscast that brings you five major stories from the world of business. It's Wednesday, January 22, 2025. This is Nelson John, let's get started. The Reserve Bank of India is making strides towards making the rupee and international currency by allowing non-residents to open rupee accounts in the overseas branches of authorized Indian banks. This move, part of a broader effort to encourage cross-border transactions in the rupee, follows the RBI's consultation with the central government and builds on recommendations from a 2022 RBI committee aimed at integrating the rupee into the global financial system more effectively. Now, non-residents can manage both current and capital transactions with Indian residents through these accounts and also use them to invest in rupee assets, Gopika Gopakumar reports. For example, a non-resident Indian in the U.S. can hold rupees received from exports to India and use them for various payments, including imports back into India. This flexibility could significantly streamline the management of trade finances. However, bankers are cautiously optimistic, noting that the rupee's non-convertible nature might slow its adoption for international transactions. The Union Budget for FY26 is expected to significantly increase financial support for startups and small businesses, which are crucial to India's economy, accounting for nearly one-third of its GDP. The government plans to bolster working capital, trade finance, and growth funding through favourable terms under various schemes managed by the Department of Promotion of Industry and Internal Trade and the Ministry of MSMEs. These sectors are particularly important as they employ over 247 million people amidst India's ongoing job-creation challenges. Expected initiatives include more robust financial backing under existing DPIIT and MSME schemes. India's top IT firms are charting different courses in their AI journeys. Companies such as Infosys and Tech Mahindra are crafting small AI models that are perfect for specific, cost-sensitive tasks. These smaller models use less data, making them quicker and cheaper to operate. For instance, Infosys has created distinct models for industries such as banking and cybersecurity by combining their rich internal data with some carefully selected external datasets. Meanwhile, other players such as Tata Consultancy Services, Wipro, and HCL Technologies are choosing to expand on existing, broad-scope AI tools known as large language models (LLMs). Jas Bardia writes that this highlights a fundamental choice in AI development between specialisation and scalability. Smaller models offer precise solutions at lower costs, while larger models deliver extensive capabilities but come with higher operational expenses and risks.At Prayagraj's Maha Kumbh Mela, a grand spiritual gathering attracting over 400 million visitors this year, businesses are seizing the opportunity to cater to the massive influx. The festival, held once every 12 years, not only promises spiritual fulfilment but has also turned into a bustling economic hub. According to Sprout Research, the event is expected to generate financial transactions worth around $30 billion. Amidst this, social media influencers are earning significant sums by promoting everything from local businesses to spiritual activities. They look to capture the festival's essence through videos and posts, and charge up to ₹30,000 for a single post. Local tour operators are also capitalizing on the event, offering packages that include holy dips with sadhus for anywhere from ₹50,000 to ₹1 lakh. Even large corporations and banks such as the Reserve Bank of India and Bank of Baroda are using the event to promote digital privacy, cybersecurity and digital payments. Advertising has spiked, with costs for promotional spaces significantly higher than in previous years. Read Devina Sengupta's detailed report on India's unique mela economy from the grounds of the Mahakumbh in Prayagraj. India's bullet train network is set to expand, with the government planning to create new high-speed rail corridors across the country. According to railway minister Ashwini Vaishaw, this expansion will harness indigenous technology developed in collaboration with Japanese experts, building on the experience gained from the Mumbai-Ahmedabad project. The National High Speed Rail Corporation Ltd has already identified seven additional corridors, with detailed project reports for most of them submitted or scheduled for completion soon. This initiative aims to connect major cities via a golden quadrilateral of bullet trains, enhancing connectivity and reducing travel times significantly. The government is also focusing on increasing the indigenization of high-speed rail technology to reduce costs and promote local manufacturing. There are also plans to upgrade the domestically produced Vande Bharat trains to higher speeds to complement the bullet train services.
Welcome to Top of the Morning by Mint, your weekday newscast that brings you five major stories from the world of business. It's Tuesday, January 21, 2025. This is Nelson John, let's get started. As Donald Trump begins his second term as US President, there's a lot of speculation about how his policies might unfold, especially when it comes to India. With control over both the House and the Senate, Trump is well-positioned to push through his agenda, which remains as unpredictable as ever. His priorities? Slapping hefty tariffs on imports to boost American manufacturing, cutting taxes, and taking tough measures on immigration, writes N Madhavan. Right off the bat, Trump plans to sign around 100 executive orders that could reshape U.S. policies on everything from immigration to trade. These moves could have a big ripple effect globally. For India, things look relatively positive, as ties between the two countries were pretty solid during Trump's first term, thanks to strong personal chemistry between Trump and Indian Prime Minister Narendra Modi. However, there are potential challenges. Trump's tariffs on Chinese goods could spark a trade war, slowing down the global economy and affecting Indian exports. Plus, there's the issue with H1B visas, crucial for India's tech industry, which are caught in a tug-of-war within Trump's support base. The Competition Commission of India (CCI) recently fined Meta Platforms Inc. ₹ 213 crore for alleged abuse of dominance related to Meta-owned WhatsApp's 2021 privacy policy update. This decision has sparked discussions about the potential conflict between CCI and sectoral regulators. This is particularly relevant with the new Digital Data Protection Act of 2023, which allows data processing with informed consent. CCI's ruling stops WhatsApp from sharing user data with other Meta entities for advertising for five years. This raises concerns about alignment with future regulations from the Data Protection Board of India, which will oversee data usage based on user consent. This situation highlights the tension between protecting competition and fostering innovation and user autonomy in the digital economy, reports Gireesh Chandra Prasad. India's market regulator, SEBI, is intensifying its surveillance on penny stocks and micro-cap companies that show unusually high gains, which could indicate speculative trading. This move aims to safeguard retail investors, especially the millions of new traders who joined the market during the pandemic. The concern is that these stocks might not have earnings that justify their soaring prices, despite the Nifty Microcap Index rising by 21.7% in the past year. SEBI's strategy includes educational efforts to help investors recognize the risks associated with these investments and avoid falling for unverified tips on social media, Neha Joshi reports.India's PM Internship Scheme, initially aimed at providing 10 million internships through the top 500 corporations by CSR spending, may soon include MSMEs. This inclusion aims to enhance employment opportunities as micro, small and medium enterprises are vital to the Indian economy, employing over 216 million people. The scheme offers a 12-month internship with a stipend of Rs 5,000 per month—Rs 4,500 funded by the government and Rs 500 by the industry—plus a one-time payment of Rs 6,000 upon securing an internship. Rituraj Baruah and Manas Pimpalkhare report that discussions are ongoing about integrating MSMEs that are part of the supply chain of larger corporations into this scheme. This move is expected to be announced in the upcoming union budget. The pandemic paradoxically sparked a boom for India's PVC and steel manufacturers, with disrupted global supply chains causing a sharp increase in domestic prices. However, this high was short-lived as China's stringent covid policies in 2022 led to an influx of low-priced Chinese imports, significantly impacting Indian industries. As Donald Trump threatens to increase the tariffs on Chinese goods, there is rising concern that such a move could redirect an increased volume of Chinese products to India. This shift could exacerbate challenges for Indian manufacturers, who are already grappling with the influx of low-priced imports that undercut local production. This situation poses a significant threat to India's industrial sectors, particularly in steel and PVC manufacturing, as these struggle to compete with cheaper, imported goods. N Madhavan writes about how India can escape a dumping flood from China.
Welcome to Top of the Morning by Mint, your weekday newscast that brings you five major stories from the world of business. It's Friday, January 17, 2025. This is Nelson John, let's get started. The upcoming Union budget for 2025-26 is set to focus heavily on agriculture, small businesses, boosting household spending, and creating more jobs, Dhirendra Kumar and Gireesh Chandra Prasad report. The plan is to introduce farmer incentives, support for MSMEs, and measures to increase consumer spending. Expect the budget to zoom in on promoting high-value agriculture—things like fruits, vegetables, and animal farming—to help small farmers grow their incomes. This will be backed by investments in technology and better marketing strategies. For MSMEs, the budget might offer easier credit options and ensure they get paid on time by larger companies. There could also be incentives for making industries like rice milling more energy-efficient, aligning with the nation's renewable energy targets. This week equity markets were hit hard, with investors losing over ₹12 trillion on Monday. A strong dollar and worries about fewer US rate cuts have drained liquidity and led to massive sell-offs globally. As the dollar index has climbed 9% since October, betting on a robust US economy and sustained inflation, riskier assets like emerging market equities have lost their lustre. Higher US treasury yields suggest that fewer rate cuts might be in store for 2025, further dampening the mood. In India, the economic outlook isn't too rosy either. Reduced government spending, cooling credit, stubborn inflation, and sluggish demand are hurting corporate profits, making it difficult for Indian stocks to justify their high valuations. Abhinaba Saha writes about what could be expected from the market in the coming weeks. This month marks a big leap for connectivity in Kashmir with the launch of the first-ever train service linking Srinagar to the rest of the country. The new Vande Bharat Sleeper train, part of the Udhampur-Srinagar-Baramulla Railway Project (USBRL), will travel over 800 kilometers from New Delhi to Srinagar. This line not only promises faster travel times but also aims to boost the local economy by enhancing sectors like tourism and agriculture. Plus, it offers a reliable alternative to the often-blocked Srinagar-Jammu National Highway. While there's excitement about the potential for growth and better connectivity, there are also worries about the environmental impact and the economic effects on Jammu's local businesses. Irfan Amin Malik examines how Kashmir's first rail link with the rest of India will impact its key sectors.Hindenburg Research, the American short-seller famous for shaking up the corporate world, is closing its doors. Nathan Anderson, the founder, announced the shutdown without spilling the beans on why, only mentioning that he's ending on a high note. Hindenburg shot to fame in India after it lobbed serious fraud accusations at the Adani Group in January 2023, wiping billions from their market value overnight. Though Adani later recouped most of these losses, the impact was unforgettable. Adani's CFO even threw a bit of shade on social media, hinting at outlasting their critics. This closure isn't just big news for Hindenburg; it's a turning point for the world of short-sellers, who've been facing scrutiny and regulatory challenges across the world.Reliance Industries Ltd announced on Thursday a 7.4% increase in its net profit for the December quarter, reaching Rs 18,540 crore, up from Rs 17,265 crore during the same period last year. The earnings per share also rose to Rs 13.70 from Rs 12.76. This growth comes as the company saw a strong performance in its retail business and an increase in telecom earnings. Sequentially, the profit rose from Rs 16,563 crore in the previous quarter. Revenue from operations also increased, hitting Rs 2.43 trillion compared to Rs 2.27 trillion in the October-December 2023 quarter.
Welcome to Top of the Morning by Mint, your weekday newscast that brings you five major stories from the world of business. It's Tuesday, January 7, 2025. This is Nelson John, let's get started. The Indian stock market tumbled on Monday, with benchmark indices Sensex and Nifty 50 both plunging over 1.5%, as widespread selling gripped the market. Investor sentiment was rattled by reports of a new virus outbreak in China, fueling fresh concerns. India's real estate sector is poised for an eventful year. While the office market shows promise, driven by demand from global capability centers and tech companies, challenges loom. A shortage of premium office spaces in key markets like Mumbai and Bengaluru could hamper growth unless new, high-quality projects come online. On the residential front, the momentum seen post-pandemic is slowing. Elevated property prices in several cities are deterring buyers, potentially prompting a shift towards affordable housing as the market undergoes a correction. Madhurima Nandy explores the key factors shaping the outlook for the real estate market this year. The Indian government is set to introduce a new policy aimed at driving sustainability in the micro, small, and medium enterprise (MSME) sector. This initiative will provide financial, technological, and regulatory support to help MSMEs adopt greener practices, aligning with India's net-zero carbon emissions target for 2070. Rituraj Baruah and Manas Pimpalkhare report that a dedicated body under the MSME ministry will oversee this transition, ensuring a smooth shift to sustainable operations. Beyond environmental goals, the policy aims to ease the financial burden on small businesses by offering a robust support system to manage the costs of these changes. India's consumer goods companies are bracing for a tough third quarter with expected low single-digit revenue growth and margin contraction. Despite price hikes aimed at combating inflation, weak urban demand and a delayed winter have dampened the sector's performance. Suneera Tandon spoke to Nitin Gupta from Emkay Global, who told her that only a few companies like ITC, Marico, and Bikaji might report double-digit revenue growth. Marico has seen some support from rural markets and has raised prices on products like Parachute coconut oil to cope with rising costs. However, the overall urban demand is expected to remain subdued for a few more quarters, with further price hikes likely as companies grapple with high input costs affecting essentials like soaps and edible oils.After stepping down as managing director of Kotak Mahindra Bank, Uday Kotak isn't hitting the brakes. Instead, he's channeling his energy into USK Capital, his family office, where he's focused on investing in businesses with long-term growth potential and mentoring the next generation of business leaders. While no longer in a full-time banking role, Kotak remains actively involved as a non-executive director on the bank's board. In a recent conversation with Mint's Satish John and Gopika Gopakumar, he shared insights on topics ranging from privatization and regulatory challenges to Starlink's entry into India's telecom space. At 65, Kotak remains steadfast in his vision of witnessing India emerge as a global powerhouse within his lifetime. In 2024, while foreign institutional investors (FIIs) took a cautious stance on Indian equities, domestic institutional investors (DIIs) confidently stepped in. Notably, when FIIs recorded their largest sell-off of the year in October, DIIs countered with their highest-ever monthly purchases for the period. This marked the fourth consecutive year where DIIs outpaced FIIs in market investments, according to a report from IIFL Securities. Although FIIs showed signs of a minor comeback in December, it's still uncertain whether this trend will persist in 2025. Experts at Bajaj Broking suggest that FII caution might continue, driven by global and local economic challenges. Looking ahead, market sentiment remains cautiously optimistic. If the upcoming budget strikes the right chord with investors, it could pave the way for a stronger FII resurgence, writes Dipti Sharma. India's core growth fundamentals remain robust, and with favourable global conditions and strategic domestic policies, foreign interest could see a meaningful revival.
Episode #45 Beyond Domains : Hidden Gems and Secrets to GoDaddy Success Ft. Apurva Palnitkar, Senior Director – GoDaddy. Welcome back to MSME TALK® Brand Bite.
Suresh Sarangapani, Chief Information Officer at Muthoot Finance The NBFC sector is embracing cutting-edge technologies and strategic innovations to stay ahead in a rapidly evolving market. Puja Sharma of IBS Intelligence speaks with Sarangapani on how Muthoot is leveraging technology and innovation to drive growth and navigate the evolving NBFC landscape.
Bhavik Vasa, Founder of GetVantage, discusses the future of India's digital lending and the transformative role of OCEN (Open Credit Enablement Network) in building a Viksit Bharat. Speaking with Gloria Mathias, he highlights how OCEN, like UPI for payments, will empower MSMEs by reshaping debt as a tool for growth and unlocking capital for long-term success
The Covid-19 pandemic is a defining moment in the 21st century. The contagion forced many people to reconsider their career paths amid a greater emphasis on skilling. Now, there is a renewed focus on skilling for new-age professions shaped by digitisation, reconfigured supply chain management and evolving product portfolios? So, what does it mean for MSMEs? Wadhwani Foundation's industry-led training for youth is aligned with contemporary employability skills for MSMEs. The training covers the most important employability skills such as critical thinking, problem solving, adaptability, digital skills, customer orientation etc. In this episode, Sunil Dahiya, Executive Vice-President, Skilling, Wadhwani Foundation, weighs in on how democraticisng access to skilling is more like a business to customer (B2C) product available for everyone. Take a listen.
Vivek Singh, Co-Founder and Director of TonetagToneTag, with its innovative VoiceSe platform, is redefining accessibility in digital payments by enabling voice-based transactions on feature phones and low-connectivity networks. Vivek discusses with Puja Sharma of IBS Intelligence how AI drives this transformation in voice commerce and financial inclusion.
In this monumental 100K episode of the Indian Silicon Valley podcast, we welcome back Pratham Mittal, Co-founder of Masters' Union and TETR, to explore his vision for the future of education. Pratham shares the incredible journey of launching TETR, a groundbreaking undergraduate program that blends global travel with experiential learning. (Watch here: YouTube Link) We dive into how Pratham is rethinking education with a focus on real-world problem-solving, interdisciplinary, and the transformative power of AI in the classroom. The conversation explores his unique approach to scaling institutions without sacrificing quality, building a global-first mindset from India, and his bold ambition to challenge the world's top universities. Pratham also discusses the practical challenges of education in India, such as the mismatch between job creation and college graduates, and how MSMEs, not startups, hold the key to bridging this gap. From hiring strategies to insights on process-building and work-life balance, Pratham offers candid reflections on what it takes to build world-class institutions in a rapidly evolving landscape. This episode is a must-watch for anyone curious about the intersection of education, entrepreneurship, and technology—and how India is poised to lead the way. Timestamps: 0:00 - Introduction 2:10 - What is TETR? 6:38 - What did Pratham get right the first time? 16:18 - How is ambition scaling for Pratham? 19:19 - How is Pratham expanding? 22:58 - Pratham's 5-10 year plan 26:18 - What's missing in education? 38:08 - How does Pratham bridge education access? 45:08 - How does Pratham hire? 50:48 - How does Pratham manage his days? 53:19 - How far ahead is India? 59:33 - What is Pratham predicting for the future? 1:01:33 - Outro Follow us for updates: Instagram: www.instagram.com/jivrajsinghsachar #IndianSiliconValley #ISV #PrathamMittal #MastersUnion #TETR #EducationInnovation #EdTech #Entrepreneurship #India
Couchonomics with Arjun is beaming its inaugural episode from its new home in KSA, at Jeel, Riyadh Banks Innovation Center in the heart of Riyadh. Our guest for this week's special episode is Maher Loubieh, Co-Founder & CEO of Hala. During this episode, Maher shares Hala's incredible journey from its beginnings as a peer-to-peer payment platform to then pivoting their business model to focus on the MSME sector in Saudi Arabia. We discuss Hala's strategic pivots, the trials and tribulations of evolving one's business model, the challenges of serving small businesses, and their vision for building a robust financial ecosystem tailored to MSMEs' unique needs.Tune in for insights into Saudi Arabia's evolving fintech landscape and Hala's mission to empower local businesses!Our website
MUTIGO is an organization that aims to build and improve MSMEs in Indonesia. - MUTIGO adalah sebuah organisasi yang memiliki tujuan untuk membangun dan meningkatkan UMKM di Indonesia.
Gita Sjahrir, Head of Investment at BNI Ventures, and Jeremy Au discussed: 1. 109 Member 48 Ministry Cabinet Coalition: With the inauguration on October 20, 2024, President Prabowo Subianto expanded the cabinet from 34 to 48 ministries, the largest since 1966. Prabowo's coalition-building strategy is to accommodate political allies and unify the seven-party coalition behind him. They drew comparisons to Germany's coalition politics, emphasizing the importance of coordination between Indonesia's national and regional leaders for effective governance. 2. Temu Ban, TikTok & Bukalapak: In early October 2024, Indonesia banned Chinese social commerce platform Temu, similar to TikTok Shop which then had to acquire Tokopedia. The Indonesian government also requested Apple and Google to block the Temu app to prevent local downloads. Other nations, including the United States and EU, are scrutinizing Chinese exporter practices, with the US tightening tax exemptions on low-cost imports in 2023. Gita explained that while such protectionism shields MSMEs, Indonesia's core issues (e.g., complex bureaucracy, high business costs, lack of raw materials and a multi-year backlog for trademarks) remain unaddressed. She argued that easing these foundational barriers would create a fairer, more sustainable advantage for local businesses, rather than just temporary protection from foreign competition. 3. VC Investments: Indonesia has already attracted interest in green joint ventures (JVs), particularly with China. Jeremy highlighted MAKA Motors, founded by former GoJek CTO Raditya Wibowo, as a local player advancing EV production, while Gita mentioned Toba's push for renewable energy. They underscored the cultural importance of home ownership, noting that many Indonesians aspire to own land despite its often low financial returns, which drives prop-tech startup Rukita. Rekosistem is also a key startup addressing waste management in Indonesia's growing urban areas. They also discussed the pressures faced by Indonesia's “sandwich generation,” who often support both aging parents and their own families, and how these dynamics shape housing affordability and socio-economic mobility. Jeremy and Gita also talked about the film “Home Sweet Loan, which explores Indonesians' struggle with housing affordability, the influx of green investments into EV battery production and the regulatory challenges surrounding the rise of online gambling among youth. Watch, listen or read the full insight at https://www.bravesea.com/blog/prabowo-48-ministry-cabinet Nonton, dengar atau baca wawasan lengkapnya di https://www.bravesea.com/blog/prabowo-48-ministry-cabinet-id 观看、收听或阅读全文，请访问 https://www.bravesea.com/blog/prabowo-48-ministry-cabinet-cn Xem, nghe hoặc đọc toàn bộ thông tin chi tiết tại https://www.bravesea.com/blog/prabowo-48-ministry-cabinet-vn Get transcripts, startup resources & community discussions at www.bravesea.com WhatsApp: https://whatsapp.com/channel/0029VakR55X6BIElUEvkN02e TikTok: https://www.tiktok.com/@jeremyau Instagram: https://www.instagram.com/jeremyauz Twitter: https://twitter.com/jeremyau LinkedIn: https://www.linkedin.com/company/bravesea English: Spotify | YouTube | Apple Podcasts Bahasa Indonesia: Spotify | YouTube | Apple Podcasts Chinese: Spotify | YouTube | Apple Podcasts Vietnamese: Spotify | YouTube | Apple Podcasts Learn more about Nika.eco! Reach out to info@nika.eco if you are a geospatial data scientist or climate researcher who is interested to partner on a pilot or research opportunities
Despite the SME sector receiving a financing boost of RM40 billion ringgit and a RM3.2 billion ringgit micro-loans support for small traders, the introduction of more sales / sugar taxes, a higher minimum wage and a 2% dividend tax raises concerns about increased financial pressure on consumers and businesses. Chin Chee Seong, National President of SME Association of Malaysia shares his perspectives on why Budget 2025 was off the mark for MSMEs.Brought to you by Mah Sing. Reinvent Spaces. Enhance Life.Image Credit: Shutterstock.com
Validus secured $50 million in debt financing to support micro, small, and medium enterprises (MSMEs) in Indonesia. The funding, provided by HSBC, targets challenges faced by MSMEs, which account for approximately 61% of Indonesia's GDP and employ nearly 97% of the workforce. Many MSMEs lack access to the online ecosystem and face strict financing requirements from commercial banks, with only about 20% receiving bank loans. Founded in 2015, Validus operates a supply chain-focused lending model and collaborates with traditional banks for access to non-traditional data. The company has expanded into several Southeast Asian nations, including Indonesia, Thailand, and Vietnam. Validus disburses an average of $150 million in loans monthly and has seen revenues grow at a 69% compound annual growth rate. Its Indonesia branch is the largest and has achieved net profit positivity since 2022. Validus employs over 300 people and has raised a total of $75 million in equity funding.Learn more on this news visit us at: https://greyjournal.net/ Hosted on Acast. See acast.com/privacy for more information.
LongShorts - Banter on All Things Business, Finance, and People
We spoke with Winny Patro, CEO & Co-founder of Recordent, a pioneering SaaS-based platform aiming to tackle the significant issue of unpaid dues that MSMEs encounter, which is estimated to be around INR5L cr across the sector. Recordent provides a technology platform designed to help SMEs manage their credit and collections more effectively. The company offers a suite of services that includes: Payment Reminder Automation: Automating reminders for payments to ensure timely collections. Invoice Management: Streamlining the invoicing process to reduce delays in payments. Credit Registry Reporting: Similar to a CIBIL report, it allows businesses to report defaults and track credit history. Collections Analytics: Providing insights to make informed decisions regarding collections and credit risk management. Recordent has made significant strides in helping SMEs improve their cash flow and reduce collection cycles. For instance, manufacturers using the platform have reportedly reduced their collection cycles by 40 days and converted a substantial portion of previously non-paying customers into paying ones. The company has effectively facilitated the resolution of outstanding dues for SME/MSME entities, enabling the clearance of INR4699 cr out of a total of INR5657 cr. With over 8.75L+ customer dues submitted on the platform, Recordent caters to the likes of Furlenco, Guarented, Bigsams, Udaan, RateGain and many others. Hope you enjoy this TRANSFIN. Podcast with Nikhil Arora and Sharath Toopran, where we converse with entrepreneurs and business operators running successful startups, profitable SMEs and family promoted firms on one end, and top investment professionals representing VC/PE/credit funds on the other. The objective is to bring out an "actionable" perspective converging the world of business and investing. If you're a founder and if you'd like us to drill down your model, feel free to drop us a line at edit@transfin.in
We go back to Ukraine this month to speak with Ewa Sierzynska, Chief of Party for World Council of Credit Unions' new GROW Project, a four-year, $10 million initiative funded by the U.S. Agency for International Development (USAID) that will seek to expand access to finance through credit unions for individuals in Ukraine seeking to start a business, and for existing legal entities looking to expand their operations. The GROW Project will work with credit unions to assist entrepreneurs, as well as micro, medium and small enterprises (MSMEs), cooperatives, farms and other individuals in rural areas of the country. Ewa is also Chief of Party for the USAID/WOCCU Credit for Agriculture Producers (CAP) Project in Ukraine, which wraps up at the end of September. She'll also talk about how GROW seeks to build on the work started with CAP, specifically in providing lending to agribusinesses, and working with the country's regulator to ensure a more enabling environment for credit unions. --- Support this podcast: https://podcasters.spotify.com/pod/show/woccu/support
In a significant boost to Ghana's Entrepreneurial Ecosystem, the Ghana Enterprises Agency (GEA) has disbursed over GH¢15 million to support start-ups and Micro, Small, and Medium-Size Enterprises (MSMEs)
NEWS: Marcos' marching order to DTI acting secretary: Uplift MSMEs | August 4, 2024Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribeVisit our website at https://www.manilatimes.netFollow us:Facebook - https://tmt.ph/facebookInstagram - https://tmt.ph/instagramTwitter - https://tmt.ph/twitterDailyMotion - https://tmt.ph/dailymotionSubscribe to our Digital Edition - https://tmt.ph/digitalCheck out our Podcasts:Spotify - https://tmt.ph/spotifyApple Podcasts - https://tmt.ph/applepodcastsAmazon Music - https://tmt.ph/amazonmusicDeezer: https://tmt.ph/deezerStitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tuneinSoundcloud: https://tmt.ph/soundcloud#TheManilaTimes Hosted on Acast. See acast.com/privacy for more information.
Gita Sjahrir, Head of Investment at BNI Ventures, and Jeremy Au discussed: 1. 200% China Import Tariffs: Jeremy and Gita explored Indonesia's recent imposition of up to 200% tariffs on Chinese imports like footwear, clothing, textiles, cosmetics, and ceramics. Indonesia's trade minister's remarks "I told my colleagues not to be afraid or hesitant. America can impose tariffs of up to 200 percent on ceramics and clothing; we can too" show that America is serving as a role model for further trade decoupling and is no longer a champion for free trade. They discussed the rationale of "protecting MSMES" - with varied impacts on different sizes and types of local businesses. Gita highlighted Indonesia's historical tendency towards protectionism and the broader implications of such policies on the country's business environment. Jeremy and Gita agreed that while tariffs might provide short-term relief, they do not address the underlying systemic problems around industrial policy or "ease of business" reforms. 2. Ransomware Attacks on 282 Agencies: Jeremy and Gita discussed the recent ransomware attack that compromised the data of millions of Indonesian citizens. Gita explained that hackers held government data hostage and later returned the key due to the government's unpreparedness. She mentioned that ministers and heads of security showed a lack of responsibility and accountability, which highlights the urgent need for improved cybersecurity measures. Gita and Jeremy also discussed the broader implications of such lapses on public trust and governance. They emphasized the importance of having knowledgeable leaders in charge of technology and security to prevent future breaches. 3. 27,000+ Government Apps Consolidation: Jeremy and Gita touched on the Indonesian government's initiative to consolidate over 27,000 government apps into a more efficient system. President Jokowi's directive aimed to reduce redundancy and improve cybersecurity. Gita mentioned that one ministry alone could have over 500 apps, and the government spent around $386 million in the past year creating new apps. They explained that the consolidation effort is intended to streamline operations and enhance security by reducing the surface area vulnerable to attacks. They also discussed the challenges of implementing such a consolidation and the resistance from those benefiting from the current inefficiencies. They emphasized the importance of political will and effective communication in driving these large-scale changes. They also added that the agency responsible for this initiative would be called GovTech Indonesia, similar to Singapore's successful model. Jeremy and Gita also discussed the potential relocation of Chinese companies to Indonesia, Indonesia's private sector's resilience despite governmental challenges, the need for cybersecurity improvements following recent data breaches, and strategies for reducing bureaucratic red tape to foster a better business environment. Watch, listen or read the full insight at https://www.bravesea.com/blog/china-import-tariffs Nonton, dengar atau baca wawasan lengkapnya di https://www.bravesea.com/blog/china-import-tariffs-id 观看、收听或阅读全文，请访问 https://www.bravesea.com/blog/china-import-tariffs-cn Xem, nghe hoặc đọc toàn bộ thông tin chi tiết tại https://www.bravesea.com/blog/china-import-tariffs-vn Get transcripts, startup resources & community discussions at www.bravesea.com WhatsApp: https://chat.whatsapp.com/CeL3ywi7yOWFd8HTo6yzde TikTok: https://www.tiktok.com/@jeremyau Instagram: https://www.instagram.com/jeremyauz Twitter: https://twitter.com/jeremyau LinkedIn: https://www.linkedin.com/company/bravesea TikTok: https://www.tiktok.com/@jeremyau Instagram: https://www.instagram.com/jeremyauz Twitter: https://twitter.com/jeremyau LinkedIn: https://www.linkedin.com/company/bravesea English: Spotify | YouTube | Apple Podcasts Learn more about Evo Commerce at bback.co and stryv.co
The Twelfth Malaysia Plan targets to grow the economic contribution of MSMEs to 45% of GDP by 2025 from just under 40% currently. But do the policies at hand recognise the nuances of the MSME landscape, including those related to women entrepreneurs? To mark World MSME Day, we discuss these themes with: Chin Chee Seong, National Secretary General of the SME Association and Gaya Subramaniam, co-founder of Bungalow18, a multi-space boutique featuring local and handcrafted products.
Episode 16 of The TWENTY30 Podcast hosted by Hanaa Almoaibed and Lucien Zeigler once again finds the two hosts on direct opposite sides of the planet, with Hanaa in Singapore speaking at a conference and Lucien on vacation at his home in the United States. Listener feedback takes a light-hearted turn with comments on Lucien's “improving” tan, leading to a broader discussion on the cultural implications and personal anecdotes surrounding names and their meanings in different regions. The episode's DEEP DIVE centers on a comprehensive new report from the Energy Institute, co-authored by KPMG and Kearney, detailing fossil fuel use in 2023. The report reveals that global fossil fuel consumption, driven largely by coal and oil, has reached record levels, with emissions surpassing 40 gigatons of CO2. The hosts discuss the urgency of these findings amidst a warming planet and increasing climate change impacts. They point out that although there is notable growth in renewable energy sources like wind and solar, especially in Europe and China, fossil fuels are still ever as dominant. The hosts wrap the episode with a discussion of some of the latest news and reports on Saudi Arabia. In the news this week: •We begin with the Saudi Journalists Association's first-ever participation in the International Federation of Journalists' annual meeting, held in London. This milestone event marks a significant step for Saudi journalism on the global stage, as representatives from around the world gather to discuss the state of journalism, the challenges it faces, and the importance of international cooperation. •A crucial worker safety regulation introduced by the Saudi Arabian Ministry of Human Resources and Social Development. Starting June 15th, 2024, a ban on working under direct sunlight between noon and 3 p.m. will be enforced. This measure aims to enhance the safety and health of outdoor workers during the scorching summer months, preventing heat-related illnesses and improving overall worker productivity. The importance of such regulations is underscored as Saudi Arabia strives for rapid and safe development. •Saudi Arabia's achievements in the cybersecurity sector. The kingdom has secured second place in the Global Cybersecurity Index and made significant gains in the World Competitiveness Yearbook (WCY) for 2023. With a notable jump in the overall competitiveness ranking, Saudi Arabia has demonstrated its commitment to strengthening its cybersecurity landscape. The National Cybersecurity Authority plays a pivotal role in protecting the nation's critical infrastructure and economic sectors from cyber threats, showcasing Saudi Arabia's leadership in this vital area. •Brazilian planemaker Embraer's strategic interest in Saudi Arabia as a key defense market. As Saudi Arabia looks to replace its aging fleet of Lockheed Martin's C-130 Hercules, Embraer is engaging with the kingdom to expand sales of its C390 Millennium military transport jet. This potential purchase highlights Saudi Arabia's ongoing efforts to modernize its defense capabilities and bolster its strategic partnerships. •The Saudi Arabian Monetary Authority (SAMA) has published the annual performance report for the Saudi finance and real estate company sector for 2023. The report reveals a notable increase in paid-up share capital, total assets, and net income, reflecting the sector's solid financial performance and expanding economic landscape. The classification of loan portfolios and the importance of supporting micro, small, and medium enterprises (MSMEs) are also discussed, providing insights into Saudi Arabia's diversified economic growth. Hanaa concludes the show by sharing the Arabic word/phrase of the day. Subscribe for free wherever you get your podcasts: Spotify: https://open.spotify.com/show/0uuKNWrgbQPMBIx3XY6YGU Apple Podcasts: https://podcasts.apple.com/us/podcast/the-twenty30/id1742574206 YouTube: https://www.youtube.com/@thetwenty30 Get episodes and exclusive content delivered to your email inbox free: https://twenty30.beehiiv.com/ You can also email the show's hosts with their first names (Lucien @TheTWENTY30.com) or (Hanaa @thetwenty30.com) or email Hosts @ TheTwenty30.com. The TWENTY30 Podcast is a production of The TWENTY30 Media Group, LLC. ©The TWENTY30. All rights reserved.
Micro, Small and Medium Enterprises (MSMEs) account for 90 percent of businesses, 60 to 70 percent of employment and 50 percent of GDP globally. In Nigeria, MSMEs account for 96.7 percent of businesses, approx. 46 percent of the GDP and employ over 80 percent of the labour force, according to the latest report published by the Small and Medium Enterprises Development Agency of Nigeria (SMEDAN). Therefore, MSMEs have been recognised as the backbone of societies globally with the capacity to contribute to development, innovation, wealth creation, employment generation and poverty reduction and promote equitable economic growth if given adequate support, especially considering Nigeria's strong, youthful and entrepreneurial population. Considering the immense potential of MSMEs and the need to raise awareness about their pivotal role in economic development, June 27 was earmarked for the celebration of MSME Day annually. To deliver a competitive entrepreneurial ecosystem capable of creating employment, wealth creation and driving socio-economic development, gaps within the entrepreneurship ecosystem need to be urgently addressed for its potential to be harnessed. Technology adoption has been identified as a veritable tool in driving the required reforms in the MSME ecosystem in Nigeria. Hence, the podcast seeks to explore the imperative of technology and digitalisation to the realisation of desired policy reforms across key pain points such as access to markets, access to finance and taxation.
Edwin Obonyo of Strathmore Centre for Value Investing talking about MSMEs by Capital FM
Welcome back to Couchonomics with Arjun! This week, we're diving into Pakistan's financial services with Kabeer Naqvi, Chairman of the Pakistan Microfinance Network. We explore the dynamic interplay between traditional banks, microfinance institutions, and fintechs, and discuss the digital transformation of Pakistan's financial ecosystem. Plus, we cover key topics like microfinance, regulatory advocacy, digital vs. traditional banking, and the challenges of serving MSMEs. Don't miss this insightful conversation! Available now on YouTube and all podcast platforms. Tune in! #Podcast #Fintech #Microfinance #Banking #DigitalTransformation #PakistanFinance #NewEpisodeCouchonomics with Arjun Season 3 is brought to you by our partners:Adyen https://www.adyen.com/ToYou https://toyou.io/arMastercard https://mastercard.com/Geidea https://geidea.net/M2P https://m2pfintech.com/Find us on our social media platforms:Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/Couchonomics LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/Instagram https://www.instagram.com/couchonomics/Twitter https://twitter.com/Arjun_Vir_Singh?s=20TikTok https://www.tiktok.com/@couchonomicsSubscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E00:00- Episode Highlights01:07- Introduction02:18- Financial Services Landscape in Pakistan04:00- Microfinance in Pakistan12:08- Strategic Initiatives and Organizational Structure23:05- Digital vs. Traditional Banking33:28- Fintech Landscape in Pakistan42:50- Banking Partnerships with Fintechs45:51- Challenges in Serving MSMEs50:38- Regulatory Issues53:42- Talent Retention and Brain Drain56:36- Closing wordsOur website
The Ministry of Corporate Affairs has put out a draft Digital Competition Bill to regulate anti-competitive practices in the digital space. The Bill has provisions for identifying Systemically Significant Digital Enterprises (SSDEs) – basically large digital platforms. These would then be subject to certain restrictions aimed at preventing anti-competitive conduct. For instance, they would be forbidden from practices such as self-preferencing, anti-steering, etc. While the Bill seems well-intentioned, various stakeholders have expressed concerns that it is far too invasive and could stifle innovation, undermine the interests of Indian tech companies, including MSMEs, and make consumers more vulnerable to cyber fraud. Are these concerns valid? What has been the experience with the European Union's Digital Markets Act (DMA), on which this Bill seems modelled? And what changes are needed to allay the concerns raised so far? G. Sampath is joined by Meghna Bal, Director, Esya Centre, New Delhi.
In this episode, I speak with Hardika Shah, Founder and CEO of Kinara Capital, on transforming lives and local economies, by providing access to capital for small business entrepreneurs.Armed with a mission to empower the 70 million small business entrepreneurs in the country, Kinara has embarked on a journey to provide fast and flexible collateral-free business loans. Leveraging cutting-edge technology and a dedication to customer service, Kinara Capital revolutionized the lending landscape with its digital processes and doorstep assistance.Over the years, the company has disbursed more than $300 million to over 40,000 small business entrepreneurs, ushering thousands into the realm of financial inclusion. This transformative journey has not only created jobs and spurred economic growth but has also generated over $100 million in incremental income for MSMEs across India.Before embarking on her entrepreneurial journey, Hardika honed her skills as a management consultant, working on projects for global companies across the USA, Europe, and Asia-Pacific. Her passion for social impact led her to devote nearly a decade to mentoring emerging social entrepreneurs.At Kinara Capital, the mission is clear: to transform lives, livelihoods, and local economies by providing access to capital for every entrepreneur. With a vision of a financially inclusive world, Hardika and her team continue to pave the way for a brighter future for small business entrepreneurs across India.I hope you enjoy the conversation, until next time, stay humble and stay creative.Welcome to Causeartist.Social Entrepreneurs Interviews.Impact Investor Interviews.Impact Startup News.Our mission is to empower and inspire social entrepreneurs, impact investors, impact professionals, and conscious consumers, who are dedicated to creating a more sustainable and regenerative world.To learn more, please visit causeartist.com.
In this episode, I speak with Nuraizah Shamsul Baharin, Founder and Managing Director of MADCash, a fintech that drives financial inclusion through Shariah compliant microfinance and data analytics in Malaysia. Nuraizah, who goes by Aizah, started her career as an engineer, working for companies like Nokia and Motorola in the 1990s and 2000s. Aizah founded MADCash in 2020 with a goal to improve financial access for women MSMEs in Malaysia. MADCash, which stands for Multiply Assist Donate Cash, works with women entrepreneurs by providing capital and financial education to grow their micro-businesses. MADCash raised a pre-series A round of $1M in 2023 led by impact investors and is using those funds to build their team, AI toolkit, and expansion into new markets like Tajikistan. You can learn more about them by visiting getmadcash.com.
Listen to the story of Meenah Tariq and Omar Parvez Khan from Metric. Metric is a fin-tech startup, offering a B2B SaaS product focused on the SME segment in emerging markets. Accountants are expensive for most MSMEs and even if they do have an accountant doing their book keeping, they don't know what the numbers mean. Enter Metric- the world's most founder-friendly financial analytics app. They provide services like tracking metrics, producing reports, benchmarking against sectors, and AI for advisory. In short, Metric is the CFO for small businesses. At publication of this episode, Metric is actively raising funds.Angel investor Maria Carolina Romero (MC) joins the Investor Talk at the end of this podcast.Hosted by Hester Spiegel and Maaike Doyer, founders of Epic Angels.
Join us as we talk to Ramaswamy Iyer, the Founder and CEO of Vayana Network about their story. Ramaswamy completed his Bachelor of Engineering at VJTI, Mumbai, followed by an MBA from IIM Ahmedabad. Subsequently, he gained experience as a senior consultant at Accenture. Additionally, he played a pivotal role as a Co-founder of CashTech Solutions, later acquired by Fundtech. Following this, he Co-founded Clayfin in 2009 and eventually founded Vayana Network in 2017.
In this episode, Surendra Varma, the founder and CEO of Emgage, shares insights into their journey of scaling from zero to 100 customers by offering virtual HR services alongside their HR software.Here's what you'll discover in this insightful conversation:Introduction to Emgage: Get acquainted with Emgage, a virtual HR platform designed to cater to the needs of startups and MSMEs. Surendra Varma shares the company's vision of simplifying HR management for growing organizations.Identifying Market Gaps: Learn how Emgage identified the challenges faced by startups and MSMEs in implementing traditional HRMS solutions due to lack of resources and expertise, leading to the inception of their holistic ecosystem approach.Product and Service Offering: Understand Emgage's unique proposition of combining HR software with consulting services to provide end-to-end HR solutions. Discover how their platform assists clients in setting up HR departments, managing HR operations, and digitalizing HR processes.Customer Base and Revenue: Surendra reveals that Emgage has acquired close to 200 paying customers, with an average deal size ranging from $1,200 to $1,500 per year per customer. Emgage primarily targets organizations with around 20 to 25 employees facing HR management challenges.Sales and Growth Strategy: Explore Emgage's sales approach, which involves a mix of inbound digital marketing efforts and outbound sales outreach. Learn about their short sales cycle of around two weeks and the importance of consultative selling in demonstrating value to potential customers.Customer Acquisition Channels: Discover how Emgage leverages digital presence, SEO, content marketing, and referrals to attract customers. Surendra discusses their focus on targeting startups and MSMEs in the Indian market due to its significant growth potential.Funding and Team Structure: Gain insights into Emgage's funding journey, with an initial investment of $200,000 from angel investors. Learn about their team of 40 members, comprising experienced professionals in sales, tech, customer success, and HR services.Vision for the Future: Surendra shares Emgage's vision of becoming a comprehensive HR ecosystem, offering solutions for all employee and employer-related challenges. The company aims to continue scaling its customer base and ARR, focusing on serving the zero to 500 employee segment.
JC Castañeda and Alex Gervacio of Itemcount joins us in this episode to share how they are helping MSMEs with their POS and inventory system. JC and Alex will share their very inspiring origin story where JC shared the hardships they had to go through being an OFW who had to selfstudy to learn programming and Alex had to win his parents over to take over managing their family business. They will also share how they created Itemcount and what it was like being part of the inaugural cohort of Founders Launchpad.This episode is brought to you by Sprout Solutions, Shoppable and UnionDigital BankFor show notes, go to Hustleshare.comHustleshare is powered by PodmachineListen to our brand new podcast: Founders Only HEREDiamond Supporters: Sarisuki, PayMongo, UnionDigital Bank, SeekCap, Shoppable Business, Qapita, GoTyme Bank, Sprout Solutions Hosted on Acast. See acast.com/privacy for more information.
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