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 For full Report: Kenya
effects of inflation on the economy.7 Large differentials between deposit rates Table 9.4 shows the figures for December 2006 in terms of different deposit rates in the Kenyan banking system. As we see, there are extremely large dis- parities in these various deposit rates. Thes...
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effects of inflation on the economy.7 Large differentials between deposit rates Table 9.4 shows the figures for December 2006 in terms of different deposit rates in the Kenyan banking system. As we see, there are extremely large dis- parities in these various deposit rates. These disparities no doubt reflect strong differences in institutional structures and instruments being offered to bank clients. For example, there is more than a four percentage-point gap between even the commercial banks’ own “savings rate
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spreads between <span class="highlight">deposit</span> and lending rates, which are extremely wide. Again, de- pending on how one calculates a real interest rate, most <span class="highlight">deposit</span> rates are actually negative. There is therefore <span class="highlight">no</span> incentive to save in formal financial markets. These wide interest rate spreads indicate lack of competition in the commercial banking system. 3. The commercial banking system lends more than one-third of its <span class="highlight">deposit</span> base to the government. This of course reduces the availability of funds for businesses, especially SMEs
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they are aware of these tensions. They do not appear to believe that it is necessary to tighten mon- etary policy in response to food or oil price shocks. It is apparent that in 2006, they did not attempt to tighten excessively in 2006 when food and energy supply shocks raised CPI “head- line” inflation to 13.5 percent. 3. The discussion of the CPI in the 2002 report (Government of Kenya 2002) is based on the 1997 revision of the Kenyan Consumer Price <span class="highlight">Index</span>. Note that we are referring here to the “New Kenya
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siderable uncertainty in the financial system. 2. More significant than problems with interest rate levels are the spreads be- tween <span class="highlight">deposit</span> and lending rates, which are extremely wide, as we also re- viewed in Chapter 7 (Figure 7.5). Again, depending on how one calculates a real interest rate, most <span class="highlight">deposit</span> rates are actually negative. There is therefore <span class="highlight">no</span> incentive to save in formal financial markets. These wide interest rate spreads indicate lack of competition in the commercial banking system. 3. The commercial
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on inflation. Lending-<span class="highlight">deposit</span> rate spread However we may interpret the lending rate level, what is clear is that the interest rate spreads are very high. We have reviewed the basic data on this from 1971– 2006 in Chapter 7 (Figure 7.5). But it will be useful here to examine this set of data again, focusing now on the period since the liberalization of financial mar- kets, i.e. from the early 1990s to the present. Figure 9.2 shows the movement in the difference between the commercial banks’ 0-3 month demand
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An Employment-Targeted Economic Program for Kenya200 <span class="highlight">deposit</span> rate for 2006 averaged 5.1 percent. This means that the real <span class="highlight">deposit</span> rate for 2006—again, establishing the real rate based on the contemporaneous CPI inflation rate—was -8.4 percent, with the overall inflation rate at 13.5 percent. In this sense, it is not surprising that the spread should be so large, to the extent that the inflation rate is indeed capturing something significant about price behavior in Kenya. In this context, the primary
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effects of inflation on the economy.7 Large differentials between <span class="highlight">deposit</span> rates Table 9.4 shows the figures for December 2006 in terms of different <span class="highlight">deposit</span> rates in the Kenyan banking system. As we see, there are extremely large dis- parities in these various <span class="highlight">deposit</span> rates. These disparities <span class="highlight">no</span> doubt reflect strong differences in institutional structures and instruments being offered to bank clients. For example, there is more than a four percentage-point gap between even the commercial banks’ own “savings rate
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An Employment-Targeted Economic Program for Kenya212 2. <span class="highlight">Index</span> bond rates to inflation. As we have discussed, uncertainty as to the effects of inflation on the real returns to lenders is contributing to the high risk premium in the Kenyan financial system, and thus again to the large gap between <span class="highlight">deposit</span> and lending rates. Indexing bonds to inflation is a well- developed measure of protecting the value of bonds against changes in in- flation. At the same time, building indexation into loan contracts also
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ACRONYMS 251 CD certificate of <span class="highlight">deposit</span> COMESA Common Market for Eastern and Southern Africa CPI Consumer Price <span class="highlight">Index</span> EPZ export processing zones ERS Economic Recovery Strategy for Wealth and Employment Creation FAOSTAT Food and Agriculture Organization [of the United Nations] Statistics GDP Gross Domenstic Product HCDA Horticultural Crops Development Authority HIPC Highly Indebted Poor Countries IMF International Monetary Fund IPO Initial Public Offering ICDC Industrial and Commercial Development
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<span class="highlight">Index</span> 261 Agricultural Development Corporation, 128, 193, 212 Agricultural sector beans, 101, 115 coffee (See Coffee and tea) cooperatives (See Cooperatives) decline, 107–110 demand-driven extension, 6–7, 131 development, 6–7 employment in, 57–58, 60-61 energy supply shocks and, 108 export of agricultural products, 115–120 fertilizers, 108–109, 113–114, 187 GDP percentage, 106, 115 growth forecast, 106 horticulture (See Horticulture) irrigation (See Irrigation) livestock, 128–129 loan availability, 192–193
Practice with Applications of Exponential Functions
Application Practice with Exponential Functions Practice with Applications of Exponential Functions Topic Index | Algebra2/Trig Index | Regents Exam Prep Center Solve the following problems dealing with exponential functions. You may want to have your graphing calculator handy. (...
Speleology: Gypsum Caves
or periodical (sea) water afflux, to allow the deposit of a decent amount of gypsum. If there is no (temporary) connection to the sea, the layer would be rather thin. Now you have gypsum, but there is another problem: water is able to solute gypsum without the complicated CO2 stuff wi...
USGS: Rockslide-Debris Avalanche of May 18, 1980.
graphics, No Plates Plates - In PDF Format ... (PDF's not 508 compliant) Plate 1: -- Isopach map of debris-avalanche deposit -- 265 K Plate 2: -- Orientations of long axes of hummocks in the debris-avalanche deposit -- 163 K Plate 3: -- Morphologic map of debris-avalanche...
Hands On Banking Adults: Teacher's Guide
credit has no collateral attached Mortgage f. The combination of a business' fixed and variable costs Unsecured credit g. Monthly record of your account activity sent by the bank 2. Safe-deposit boxes are secure boxes at the bank to protect your important documents and valuables. Id...
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credit has no collateral attached Mortgage f. The combination of a business' fixed and variable costs Unsecured credit g. Monthly record of your account activity sent by the bank 2. Safe-deposit boxes are secure boxes at the bank to protect your important documents and valuables. Identify some of the items you might want to keep in a safe-deposit box. Yes No Item Birth certificates Loan documents Insurance policies Items that are not replaceable or have sentimental value Savings bonds
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are usually required, for example: • Driver’s license or state ID • Passport • U.S. military ID • Alien Registration card • Matricula Consular card OR 1 item from the above list and a major credit card or gas card. And… • Your Social Security number or individual tax ID number (ITIN) • Money to <span class="highlight">deposit</span> – ask if there’s a minimum. Bank requirements may vary, so ask your local bank what they require. • When you open an account, take out a loan, or use other services at a bank, you will be
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HANDS ON BANKING® • TEACHER’S GUIDE 29 ADULTS • MANAGING YOUR MONEY • www.handsonbanking.org Savings <span class="highlight">Deposit</span> Worksheet Name Fill out the sample <span class="highlight">deposit</span> slip below using the following information: Checks to <span class="highlight">deposit</span>: $57.58 $146.25 $10.92 $27.63 Cash back: $20 To complete a savings <span class="highlight">deposit</span> slip: • Put the date in the space marked “A”. • Write your account number on the line marked “B”. (Since this is for practice, you’ll need to create your own account number) • If
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HANDS ON BANKING® • TEACHER’S GUIDE 30 ADULTS • MANAGING YOUR MONEY • www.handsonbanking.org Teacher’s Copy of Savings <span class="highlight">Deposit</span> Worksheet Fill out the sample <span class="highlight">deposit</span> slip below using the following information: Checks to <span class="highlight">deposit</span>: $57.58 $146.25 $10.92 $27.63 Cash back: $20 To complete a savings <span class="highlight">deposit</span> slip: • Put the date in the space marked “A”. • Write your account number on the line marked “B”. (Since this is for practice, you’ll need to create your own account number) • If
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provide a record of how much you spend, and where. Tracking where your money goes can help you stay within your budget. • Having a checking account makes it easy to <span class="highlight">deposit</span> checks that others give you. You can <span class="highlight">deposit</span> your check at the bank or at many ATMs. • With a personal checking account, you’ll pay much less than the high-cost fees charged by check-cashing stores. Direct <span class="highlight">deposit</span> • Another bonus to having a checking account is that some employers offer a free service called direct <span class="highlight">deposit</span>. This
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HANDS ON BANKING® • TEACHER’S GUIDE 43 ADULTS • MANAGING YOUR MONEY • www.handsonbanking.org Checking <span class="highlight">Deposit</span> Worksheet Name Use the information below to fill in a sample checking account <span class="highlight">deposit</span> slip. Checks to <span class="highlight">deposit</span>: Cash back: $17.10 $80.00 1,145.55 75.00 335.92 To complete a checking <span class="highlight">deposit</span> slip: • Put the date in the space marked “A”. • Write your account number on the line marked “B”. (Since this is for practice, you’ll need to create your own
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HANDS ON BANKING® • TEACHER’S GUIDE 44 ADULTS • MANAGING YOUR MONEY • www.handsonbanking.org Teacher’s Copy of Checking <span class="highlight">Deposit</span> Worksheet Use the information below to fill in a sample checking account <span class="highlight">deposit</span> slip. Checks to <span class="highlight">deposit</span>: Cash back: $17.10 $80.00 1,145.55 75.00 335.92 To complete a checking <span class="highlight">deposit</span> slip: • Put the date in the space marked “A”. • Write your account number on the line marked “B”. (Since this is for practice, you’ll need to create your own account
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bank. ATM Safety Tips ƒ Think about your personal safety when using an ATM. Because most ATMs give out cash and many accept deposits, it makes sense to be alert and aware of your surroundings, <span class="highlight">no</span> matter where or when you use an ATM. ƒ Memorize your personal identification number (PIN). Don’t write down your account number and PIN and carry it with you. If your wallet or purse is stolen, someone else could have access to your money. ƒ When typing in your PIN at the ATM, cover the number pad so <span class="highlight">no</span> one
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April 16. • On April 25, you used your debit card at the Food Store to buy groceries and spent $37.27. To fill in a check register: • To record a check you’ve written, fill in the check number and date. Fill in the payee and, on the line below, what the payment is for, like rent or clothing. Then subtract the amount of the check from your current balance. • Now enter a check <span class="highlight">deposit</span>. Fill in the date and the amount of the <span class="highlight">deposit</span>, the name of the person or business that wrote the check, and, on the
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• On April 25, you used your debit card at the Food Store to buy groceries and spent $37.27. To fill in a check register: • To record a check you’ve written, fill in the check number and date. Fill in the payee and, on the line below, what the payment is for, like rent or clothing. Then subtract the amount of the check from your current balance. • Now enter a check <span class="highlight">deposit</span>. Fill in the date and the amount of the <span class="highlight">deposit</span>, the name of the person or business that wrote the check, and, on the line below
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HANDS ON BANKING® • TEACHER’S GUIDE 115 ADULTS • PLANNING YOUR FUTURE •www.handsonbanking.org • If an account pays compound interest, that means the financial institution will pay you interest not only on your original <span class="highlight">deposit</span> but also on the interest your <span class="highlight">deposit</span> has earned over time. With compound interest, your money grows much faster. Quarterly Compound Interest Quarter Amount In Account Interest Total Amount After 4 Quarters (1 year) 1 $ 1000.00 1.25% ($1000 x .0125) + 1000 = $1012.50
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credit has <span class="highlight">no</span> collateral attached Mortgage f. The combination of a business' fixed and variable costs Unsecured credit g. Monthly record of your account activity sent by the bank 2. Safe-<span class="highlight">deposit</span> boxes are secure boxes at the bank to protect your important documents and valuables. Identify some of the items you might want to keep in a safe-<span class="highlight">deposit</span> box. Yes <span class="highlight">No</span> Item Birth certificates Loan documents Insurance policies Items that are not replaceable or have sentimental value Savings bonds
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of credit has <span class="highlight">no</span> collateral attached Mortgage b f. The combination of a business’ fixed and variable costs Unsecured credit e g. Monthly record of your account activity sent by the bank 2. Safe-<span class="highlight">deposit</span> boxes are secure boxes at the bank to protect your important documents and valuables. Identify some of the items you might want to keep in a safe-<span class="highlight">deposit</span> box. Yes <span class="highlight">No</span> Item √ Birth certificates √ Loan documents √ Insurance policies √ Items that are not replaceable or have sentimental value
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Bank account) Account balance The exact amount of money contained in a <span class="highlight">deposit</span> account according to the bank. This figure may be different than the amount shown in your own records because of checks you have written or deposits you have made that have not yet been processed by the financial institution. Account fee The amount charged by a financial institution for the services they provide in managing the account. This may also be called the monthly service fee. Accounting To keep an exact listing
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anywhere from three months to several years. As a result, this account usually offers higher rates of return than a savings account. Money removed before the agreed upon date is subject to an early withdrawal penalty. The account pays interest on the <span class="highlight">deposit</span> and is FDIC-insured. Banks issue an actual certificate for a CD account. If <span class="highlight">no</span> certificate is issued, the account is known instead as a “time <span class="highlight">deposit</span>.” Character The financial steadiness and stability of a borrower. For example, when reviewing your
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companies establish credit unions for their employees. To join a credit union, a person must ordinarily belong to a participating organization, such as a college alumni association or labor union. When a person deposits money in a credit union, he or she becomes a member of the union because the <span class="highlight">deposit</span> is considered partial ownership in the credit union. Creditor An individual or business that lends money or extends credit. Creditworthiness A lender’s measure of an individual or company’s ability to pay
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HANDS ON BANKING® • TEACHERS GUIDE 157 ADULTS • DICTIONARY • www.handsonbanking.org Direct <span class="highlight">deposit</span> A <span class="highlight">deposit</span> made directly into your account by the payer without the use of a check or <span class="highlight">deposit</span> slip. Typical direct deposits include Social Security payments and automatic payroll deposits. Disclosure A document provided by a lender, such as a bank or credit card company, that details the interest rate, fees, and terms of repayment. Discretionary expense The purchase of goods or services which are
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HANDS ON BANKING® • TEACHERS GUIDE 158 ADULTS • DICTIONARY • www.handsonbanking.org ETA (see electronic transfer account) FAFSA (see Free application for federal student aid) FDIC (see Federal <span class="highlight">Deposit</span> Insurance Corporation) Federal <span class="highlight">Deposit</span> Insurance Corporation (FDIC) An agency of the federal government that insures all bank deposits up to $100,000 per person. Federal Reserve An independent governmental agency established by Congress to organize and regulate banking throughout the United States
St. Louis Federal Reserve Bank: Federal Reserve Board Data on OCD Sweep Account Programs
the Federal Reserve System discontinued the publication of their retail deposit sweeps data. The existing data will continue to be hosted on this website, however no new observations will be reported. The Federal Reserve Bank of St. Louis is currently exploring the costs and benefits a...
Financial Literacy Lessons for ESL Students
© 2002, San Diego Centers for Education & Technology Basic Banking: Unit 1, Lesson 2 - Page 4 Lesson 2 Checking Accounts Basic Checking Accounts Look at the chart to answer the questions about the checking accounts. California Sun Bank Pacific Credit Union San Diego First Bank Monthly Se...
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© 2002, San Diego Centers for Education & Technology Basic Banking: Unit 1, Lesson 2 - Page 4 Lesson 2 Checking Accounts Basic Checking Accounts Look at the chart to answer the questions about the checking accounts. California Sun Bank Pacific Credit Union San Diego First Bank Monthly Service Fee $8 (Waived with direct deposit or $1,000 minimum balance $5.50 (Waived with direct deposit) $6.00 (Waived with minimum balance of $600) Interest No No Yes (with minimum balance of
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© 2002, San Diego Centers for Education & Technology Basic Banking: Unit 1, Lesson 2 - Page 4 Lesson 2 Checking Accounts Basic Checking Accounts Look at the chart to answer the questions about the checking accounts. California Sun Bank Pacific Credit Union San Diego First Bank Monthly Service Fee $8 (Waived with direct <span class="highlight">deposit</span> or $1,000 minimum balance $5.50 (Waived with direct <span class="highlight">deposit</span>) $6.00 (Waived with minimum balance of $600) Interest <span class="highlight">No</span> <span class="highlight">No</span> Yes (with minimum balance of
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overdraft protection? California Sun Bank Pacific Credit Union San Diego First Bank Monthly Service Fee $8 (Waived with direct <span class="highlight">deposit</span> or $1,000 minimum balance 1. (Waived with direct <span class="highlight">deposit</span>) $6.00 (Waived with minimum balance of $600) Interest <span class="highlight">No</span> <span class="highlight">No</span> 2. Overdraft Protection Yes (with savings account) 4. Yes (with savings account or bank credit card) Bounced Check Fee 3. $15.00 $17.50
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© 2002, San Diego Centers for Education & Technology Basic Banking: Unit 1, Lesson 2 - Page 6 Lesson 2 Checking Accounts Basic Checking Accounts – Student B California Sun Bank Pacific Credit Union San Diego First Bank Monthly Service Fee $8 (Waived with direct <span class="highlight">deposit</span> or $1,000 minimum balance $5.50 (Waived with direct <span class="highlight">deposit</span>) 1. (Waived with minimum balance of $600) Interest 2. <span class="highlight">No</span> Yes (with minimum balance of $1,500) Overdraft Protection 4. Yes (with bank credit card
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© 2002, San Diego Centers for Education & Technology Basic Banking: Unit 1, Lesson 2 - Page 9 Lesson 2 Checking Accounts Making Deposits When you <span class="highlight">deposit</span> money, you put money in your account. You must <span class="highlight">deposit</span> money before you can write checks. You need to fill out a <span class="highlight">deposit</span> slip when you <span class="highlight">deposit</span> money. Your bank will give you these slips. Maria received a paycheck for $973.29 and she is going to <span class="highlight">deposit</span> it on January 19th, 2001. Fill out this <span class="highlight">deposit</span> slip for Maria. Endorsing Checks Before
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© 2002, San Diego Centers for Education & Technology Basic Banking: Unit 1, Lesson 2 - Page 10 Lesson 2 Checking Accounts Using a Check Register A check register is a small book that you can use to keep track of all the checks you write and any other bank transactions. It is very important to use a check register and to remember to write all transactions. Here is Maria’s check register for the past month. Check # Date Description of Transaction Payment/Debit (-) Code Fee(-) <span class="highlight">Deposit</span>/Credit
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© 2002, San Diego Centers for Education & Technology Basic Banking: Unit 1, L Checking Accounts San Diego Federal Bank 1234 Main Street San Diego, CA 92150 Statement of Acco Maria Lopez Member <span class="highlight">No</span>. Ending Date Branch 1617 Law St. 717488 1-31-01 4 San Diego, CA Date Transaction Description Amount Finance C Checking Account Account #2 Previous Balance JAN03 CHECK 4643 600.00- JAN04 CHECK 4644 257.99- JAN04 MONTHLY SERVICE FEE 9.00- JAN04 ATM WITHDRAWAL – SAN DIEGO
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very little or <span class="highlight">no</span> interest. Money Market Accounts • You <span class="highlight">deposit</span> a large amount to open the account. • The bank pays you interest that is based on the money market. • You can write a few checks from this account each month. • Your money earns more interest than regular savings account. • Your interest rate may go up if the US rate goes up. • You have to keep a high minimum balance. • Your interest rate may go down if the US rate goes down. • These accounts are usually not insured
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© 2002, San Diego Centers for Education & Technology Basic Banking: Unit 1, Lesson 3 - Page 4 Lesson 3 Savings Accounts Savings Account Questions Read each sentence and write T if the sentence is true and F if the sentence is false. Regular Savings 1. You can withdraw money at any time. T F 2. Your money earns high interest. T F 3. Your interest rate stays the same. T F Certificates of <span class="highlight">Deposit</span> (CDs) 1. You can <span class="highlight">deposit</span> any amount of money. T F 2. The interest rate stays the same. T F 3. You
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© 2002, San Diego Centers for Education & Technology Unit I: Quiz - Page 1 Financial Literacy, Unit I Quiz Choose the best answer. 1. Which account is best for paying bills and buying food? a. checking account b. savings account c. ATM 2. Which account earns better interest? a. checking account b. savings account c. ATM 3. Most banks require a ___ of at least $25 for a savings account. a. monthly fee b. direct <span class="highlight">deposit</span> c. minimum balance 4. What
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© 2002, San Diego Centers for Education & Technology Unit I: Quiz - Page 2 Financial Literacy, Unit I Quiz 6. Which savings account earns a low interest rate? a. Money Market b. Regular Savings c. CD 7. Which loans have lower interest rates? a. short term loans b. long term loans Fill in the blank with the best word. afford <span class="highlight">deposit</span> endorse gross reconcile waive withdraw 8. Marlo is going to Los Angeles for the weekend and needs some cash. She’s going to
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Services Objective: Students will learn vocabulary and concepts related to basic banking services. Students will be able to identify banking services and begin to name their advantages and disadvantages. This lesson serves as an introduction to the topics covered in subsequent lessons of this unit. U1L1, page 3: Reading Check 1. <span class="highlight">no</span> 2. <span class="highlight">no</span> 3. yes 4. yes 5. <span class="highlight">no</span> U1L1, page 3-4: Vocabulary 1. withdraw 2. <span class="highlight">deposit</span> 3. interest 4. available 5. bills
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students to practice (and differentiate between) information and yes/<span class="highlight">no</span> questions. Explain and model to students how to use the correct intonation (rising intonation for yes/<span class="highlight">no</span> and falling intonation for information questions) and stress (voice slightly higher on stressed words). Have students practice in pairs. U1L2, page 4: Basic Checking Accounts 1. Pacific Credit Union 2. Yes, for direct <span class="highlight">deposit</span> of pay checks 3. All 3 – California Sun, Pacific Credit Union, San Diego First 4. $17.50 U1L2, pages 5
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© 2002, San Diego Centers for Education & Technology Teacher’s Notes, Unit I - Page 18 Financial Literacy, Unit I Teacher’s Notes Section B <span class="highlight">No</span> driver's license Soc. Sec. Number: 699-11-0407 <span class="highlight">No</span> previous employment Nearest Relative: Miranda's brother Jose Garcia lives in San Diego. His phone number is 619-640-9782. Section C <span class="highlight">No</span> home purchased. Credit: Credit Card -- Sears <span class="highlight">No</span> Balance Account Number: 1010-5556-9321-0003 <span class="highlight">No</span> property repossessed. <span class="highlight">No</span> lawsuits. <span class="highlight">No</span> Bankruptcy. Personal
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be as sure as possible that you will pay the money back. There are three principal ways to establish a credit history. 1) Credit Cards: If you make purchases with a credit card and always pay the money back, the bank feels confident that you will pay back other types of loans. A credit card is an excellent way to show you are a low credit risk for a bank. But, sometimes, people with <span class="highlight">no</span> credit history in the United States have trouble getting their first credit card. If that is the case, you can get
National Curve Bank - Gray, Venit; California State University, Los Angeles
2004 2003 Math on the Web Mapping the Landscape of Mathematics: Newest The Apple of My i: Sinusoidal Curves Deposit #117 Volume of a Box Problem with Exponential Regression Deposit #120 Fractal Animation Deposit #113 Curves in GeoGebra Deposit #112...
APR Examples
LoanSM Savings Products Savings Options Savings Accounts Money Market High-Yield Savings Account Certificates of Deposit Certificates of Deposit View All Savings Products Insurance Insurance Plans Tuition Insurance Student Protection Plan Renters Insurance Student Healt...
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