Information acquired from non-traditional sources is referred to as alternative data. Alternative data has several applications/use cases that span a variety of industries. The landscape/breadth of alternative data sources includes a wide range of data that is available and is collected, including mobile data, credit card transactions, consumer shopping patterns, social media trends, web scraped […]
Ways to improve your credit score A low credit score might also make it difficult to rent an apartment, set up utilities, apply for a job, or buy a house. In order to know, comprehend, and manage creditworthiness, it is crucial to examine and evaluate your credit report at least once a year. One can
A credit score is a statistical measurement of creditworthiness or the probability that a borrower will pay back his debts. Credit scores are one element that creditors and lenders take into account when determining a potential borrower’s eligibility for a loan. Any loan’s interest rate and other conditions are influenced by credit score. The data
According to verified data from the World Bank, the Gross Domestic Product (GDP) in India was valued 3.1 trillion US dollars in 2021. India’s GDP accounts for 0.21 percent of the global economy. The MSME sector alone accounts for around 29% of the GDP and all domestic and international trade. MSMEs will be essential in
In Africa, poverty is a problem that is pervasive. In 2022, about 460 million people on the continent were surviving on less than $1.90 (U.S.) per day, the threshold for extreme poverty. According to Statista, Nigeria was home to over 12% of the world’s population living in extreme poverty in 2022, with the poverty line
MSMEs are the backbone and lifeblood of developing nations like India, Cambodia, Indonesia, the Philippines, and many others in Africa. Since MSMEs make up the majority of a nation’s economy, national governments and their collaborations with international organizations are working extremely hard to encourage the creation, growth, and sustainability of MSMEs. Cambodia Micro, Small, and
MSMEs are essential to achieving inclusive sustainable growth through innovations, which is the foundation of developing economies. MSMEs are important to communities all over the world since they use the least amount of capital to industrialize rural and underdeveloped areas while giving vulnerable and marginalized individuals a lot of employment opportunities. Through the fair distribution
Over 90% of businesses worldwide are MSMEs, which also account for 60-70% of all employment and 50% of global GDP. MSMEs support the livelihoods of the poor, women, youth, and other vulnerable groups, as well as the local and national economy. The Sustainable Development Goals (SDGs), which were introduced by the United Nations in 2015,
What are MSMEs? Micro, small, and medium-sized enterprises (MSMEs) are businesses that are classified based on a relatively smaller amount of revenue, assets, or number of employees (below a certain set threshold). Each country has its own definition and size criteria for a business to be classified as an MSME, and the industry in which
The burden of student loan debt affects everyone: families, individuals, and the government. The student loan debt crisis has been an ongoing concern for many years, and the COVID-19 pandemic has only made the situation worse. As a result of the global COVID pandemic, several people lost their employment and had financial troubles as a
Raj Mehta is the Founder and CEO of the Fluid Ice Foundation. As a high school student in the Atlanta metro, Georgia, Raj always enjoys helping others, and aspires to give back to society at every opportunity that comes along. Raj is particularly passionate about financial inclusion, to expand access to financial services to the un/underbanked subsets of the population. Although the un/underbanked subsets of the population have always been excluded, the recent COVID pandemic has made it even more apparent, and caused them to be even further left behind. Raj sees himself as a “social impact catalyst” and a “changemaker” to help mitigate the financial divide, and he aims to make this a reality through his nonprofit – Fluid Ice Foundation. Raj is also a financial education instructor helping increase financial literacy awareness and education, especially amongst the underprivileged youth.
Raj is focused to be a social impact entrepreneur/innovator, championing sustainable innovation by transforming societal assets/capital to enable disruptive solutions providing a positive return to society.
On a more personal note, Raj enjoys mathematics and has won numerous prestigious math competitions (qualified to Mathcounts Nationals to represent the State of Georgia, AIME, AMC, etc.), is a proficient saxophonist (member, Georgia Music Educator’s Association (GMEA) Allstate Band), is an advanced chess player, and a professionally trained/skilled golfer. He is also an avid book reader in his spare time.
Vijay is the Banking and Capital Markets Leader for Deloitte South Asia. He has over 25 years of consulting experience spanning strategy, business planning, organizational transformation and M&A in India, as well as in Canada, the UK and South East Asia. Among other topics in banking and capital markets, he has significant experience in fintech solutions and related partnership models.
Vijay is also a founding team member of I_Imagine_India, an India-based philanthropic fund looking to empower non-government organizations and social entrepreneurs/pioneers in the field of education in India. I_Imagine_India’s goal is to enable small changes today in the field of primary/ pre-primary education, with the potential to deliver disproportionate learning outcome improvements over the longer term.
Vijay obtained an MBA from the Indian Institute of Management, Ahmedabad (PGPX) and the Chartered Financial Analyst (CFA) charter from the USA.
Vijay is an Advisor to the Fluid Ice Foundation in his personal capacity and not on behalf of Deloitte or I_Imagine_India.
Saiprasad Muzumdar, Advisor
Saiprasad ‘Zoom’ Muzumdar, is an experienced Senior Technology Leader in International Banking and Finance Sector. He has a Bachelor’s degree in Engineering and a Master’s degree in Management. He has worked across the globe for International Fortune 500 companies such as Unisys, Citigroup, Lehman Brothers, Nomura, Royal Bank of Scotland/NatWest Group. He has conducted sessions on Financial Wellbeing for more than a decade with a mission to enhance financial inclusion and financial wellbeing through Financial literacy.
Amit Pandit, Advisor
Amit is a qualified chartered accountant with over 25 years of experience in banking, financial services, capital markets, risk advisory services & financial education. He has experience in building a primary market distribution network, investment banking and handling HNI relationships. He has been involved in personal finance restructuring of many individual businessmen. He has helped many business and individuals for their financial requirements be it for loan arrangements or debt management or asset management. He served as a director of the largest coop bank in India for over 13 years and as a director of a listed company for over 5 years.
He is also associated as a visiting faculty with various business schools for over a decade and takes up subjects of Personal Finance Planning, Wealth Management, Mergers & Acquisitions & Corporate Valuation. He also takes corporate training programs for finance. He speaks at various platforms on various finance, audit and risk related topics including ICAI, BCAS etc. Amit looks after the business building, financial & investor education function at Trugrow.
Amit enjoys his reading, is passionate about his teaching, likes travelling and exploring new destinations and is an avid foodie.
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