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Originally published at <a href="https://inside.com/campaigns/inside-business-27700/sections/fintechs-thriving-in-emerging-markets-234731" class="jss99">Inside.com Business</a> by Bojana Dobran
 
Payments, credit, and neobanks make up the majority of fintechs in Africa, Latin America, and India, according to "The State of Fintech in Emerging Markets&nbsp;<a href="https://bfaglobal.com/catalyst-fund/briter-catalyst-fund-state-of-the-fintech-industry-report/?utm_source=briter&amp;utm_medium=social&amp;utm_campaign=fintech_report" class="jss99">Report</a>" by Catalyst Fund and Briter Bridges.&nbsp;Its authors <a href="https://techcrunch.com/2021/05/06/payments-lending-and-neobanks-rule-fintechs-in-emerging-markets-report-says/">surveyed</a> more than 177 startups and 33 investors in the three regions.
More:
<ul>
 <li>Some 300 million currently unbanked African adults account for 17% of the global unserviced market. In Latin America, 70% of people do not use banking services.</li>
 <li>Equally highly underserved markets, together with relaxed regulatory policies, give a boost to investments and growth.</li>
 <li>Financial technology companies raised $23B in the regions since 2017.</li>
</ul>
 
<figure><img src="https://firebasestorage.googleapis.com/v0/b/wazoplus.appspot.com/o/post-images%2F1621958847109_IMG-4615.PNG?alt=media&amp;token=11240ac5-c0b0-4ca2-8945-be9cbda30909" style="">&nbsp;</img></figure>
<ul>
 <li>An average African&nbsp;seed round brings founders $1M in financing. India and Latin America are better funded: seed-stage capital raises collect $4M on average.</li>
 <li>The most significant raises on the African continent in 2019 involved Branch (<a href="https://www.google.com/url?sa=t&amp;rct=j&amp;q=&amp;esrc=s&amp;source=web&amp;cd=&amp;cad=rja&amp;uact=8&amp;ved=2ahUKEwjzytePrbXwAhUBlawKHQ4-DDkQFjABegQIBBAD&amp;url=https%3A%2F%2Fwww.pymnts.com%2Fnews%2Finvestment-tracker%2F2019%2Fbranch-venture-funding-visa-partnership%2F&amp;usg=AOvVaw3rJpvc0Cp0bSArJMsnyw_A" target="_blank">$170M</a>), Tala (<a href="https://www.google.com/url?sa=t&amp;rct=j&amp;q=&amp;esrc=s&amp;source=web&amp;cd=&amp;cad=rja&amp;uact=8&amp;ved=2ahUKEwis-5iVrbXwAhUMWa0KHRq4AcwQFjAAegQIBBAD&amp;url=https%3A%2F%2Ftechcrunch.com%2F2019%2F08%2F21%2Ftala-series-d-india%2F&amp;usg=AOvVaw1KdnqjDSF4IBXSR1UGCWml" target="_blank">$110M</a>), World Remit (<a href="https://www.google.com/url?sa=t&amp;rct=j&amp;q=&amp;esrc=s&amp;source=web&amp;cd=&amp;cad=rja&amp;uact=8&amp;ved=2ahUKEwi344GfrbXwAhUFMqwKHQi1BhQQFjAAegQIAxAD&amp;url=https%3A%2F%2Ftechcrunch.com%2F2019%2F06%2F03%2Fworldremit-raises-175m-to-help-users-send-money-to-contacts-in-emerging-markets%2F&amp;usg=AOvVaw0TfGgEJgiVQ5nQS8Erp_eR" target="_blank">$175M</a>), Interswitch (reportedly&nbsp;<a href="https://www.google.com/url?sa=t&amp;rct=j&amp;q=&amp;esrc=s&amp;source=web&amp;cd=&amp;ved=2ahUKEwii4KX0rLXwAhVHSq0KHRSaClsQFjAAegQIBBAD&amp;url=https%3A%2F%2Ftechcrunch.com%2F2019%2F11%2F11%2Fnigerias-interswitch-confirms-1b-valuation-after-visa-investment%2F&amp;usg=AOvVaw34cjAzvmF81kmdRIQD36_e" target="_blank">$200M</a>), and OPay (<a href="https://www.google.com/url?sa=t&amp;rct=j&amp;q=&amp;esrc=s&amp;source=web&amp;cd=&amp;cad=rja&amp;uact=8&amp;ved=2ahUKEwjFn8irrbXwAhUHRqwKHcU2CIEQFjAAegQIAxAD&amp;url=https%3A%2F%2Ftechcrunch.com%2F2019%2F11%2F17%2Foperas-africa-fintech-startup-opay-gains-120m-from-chinese-investors%2F&amp;usg=AOvVaw1YX4x3z4P7NNSMMBTsprBz" target="_blank">$120M</a>). In 2020 there were only three significant deals: Flutterwave (<a href="https://www.google.com/url?sa=t&amp;rct=j&amp;q=&amp;esrc=s&amp;source=web&amp;cd=&amp;cad=rja&amp;uact=8&amp;ved=2ahUKEwiEsvCNrrXwAhUCTawKHUM2BBcQFjABegQIAxAD&amp;url=https%3A%2F%2Ftechcrunch.com%2F2020%2F01%2F21%2Fafrican-fintech-firm-flutterwave-raises-35m-partners-with-worldpay%2F&amp;usg=AOvVaw1Mlso8E8XhKhgBQNQcBQPc" target="_blank">$35M</a>), TymeBank (<a href="https://www.google.com/url?sa=t&amp;rct=j&amp;q=&amp;esrc=s&amp;source=web&amp;cd=&amp;cad=rja&amp;uact=8&amp;ved=2ahUKEwimj-OurrXwAhVGJKwKHe__BjIQFjAAegQIBBAD&amp;url=https%3A%2F%2Ftechcrunch.com%2F2021%2F02%2F23%2Fsouth-african-digital-bank-tymebank-lands-109m-from-uk-and-phillippines-investors%2F&amp;usg=AOvVaw1eh5pXbUuWKsZXLCXbrnnV" target="_blank">$109M</a>), Kuda (<a href="https://www.google.com/url?sa=t&amp;rct=j&amp;q=&amp;esrc=s&amp;source=web&amp;cd=&amp;cad=rja&amp;uact=8&amp;ved=2ahUKEwiGuMDPrrXwAhUF5awKHYwOBD0QFjABegQIAxAD&amp;url=https%3A%2F%2Ftechcrunch.com%2F2020%2F11%2F10%2Fnigerias-kuda-raises-10m-to-be-the-mobile-first-challenger-bank-for-africa%2F&amp;usg=AOvVaw2PnlnxsrDOJZCuH9Ep_SzR" target="_blank">$10M</a>).</li>
</ul>
 
<figure><img src="https://firebasestorage.googleapis.com/v0/b/wazoplus.appspot.com/o/post-images%2F1621959127990_IMG-4616.PNG?alt=media&amp;token=97ff7ee2-e571-4207-888c-1f13b4de8cc1" style="">&nbsp;</img></figure>
 
<ul>
 <li>India hosts over 25 unicorns and added eight&nbsp;last month. In 2019, Indian fintechs raised $4.8B, according to analysts. Last year, $3B poured into the sector.</li>
</ul>
 
<figure><img src="https://firebasestorage.googleapis.com/v0/b/wazoplus.appspot.com/o/post-images%2F1621959231247_IMG-4617.PNG?alt=media&amp;token=cf90d858-8508-4a98-82d1-312a0c8c67bf" style="">&nbsp;</img></figure>

FinTechs thriving in emerging markets

Facebook held its <a href="https://www.pymnts.com/facebook/2021/facebooks-f8-for-developers-focuses-on-ecommerce-business-tools/">F8 conference</a> for developers on Wednesday, announcing a series of new tools designed to facilitate e-commerce transactions in its services.&nbsp;The tech giant is also looking to ensure businesses can provide more customer support via its&nbsp;Messenger, WhatsApp, and Instagram platforms.
<a href="https://www.cnbc.com/2021/06/02/facebook-f8-announcements-business-messaging-focus.html">More</a>&nbsp;tools Facebook introduced:
<ul>
 <li>Facebook announced its Messenger&nbsp;API for Instagram will be available to all businesses, making it easier for them to automate and manage direct conversations with customers.Businesses can now set up automated responses to common inquiries. Similar tools already exist for WhatsApp and Messenger. 
</li>
 <li>The tech giant revealed 90% of Instagram users follow at least one company.</li>
 <li>Businesses will now be onboarded onto WhatsApp in five minutes, down from a few weeks.</li>
 <li>WhatsApp will now have "Reply" buttons enabling users to select&nbsp;prewritten responses when they're talking to a company.</li>
 <li>List messages will enable businesses to offer consumers a menu of&nbsp;up to 10 options during a conversation.</li>
 <li>Last week, Google also announced a new set of e-commerce tools. We covered it in a previous issue of Inside E-commerce that's available <a href="https://inside.com/campaigns/inside-ecommerce-2021-05-28-28000">here</a>.</li>
</ul>

Facebook's new e-commerce tools

Originally published at <a href="https://thehustle.co/06142021-vr-to-combat-covid/">theHustle.co</a> by Juliet Bennett Rylah
COVID-19 3D sounds like a bad horror movie coming to a movie theater, but it’s actually how researchers are studying the virus.
Nanome — a San Diego-based startup that <a href="https://techcrunch.com/2021/02/09/nanome-raises-3-million-to-help-scientists-get-up-close-with-molecular-structures-in-vr/">raised</a> $3m this year — uses VR to help people study molecular structures.
Researchers can see, move, and build atoms in 3D and <a href="https://nanome.ai/press">collaborate</a> remotely in real-time, per <a href="https://www.theinformation.com/articles/how-scientists-are-using-vr-to-study-the-coronavirus">The Information</a>.
<h4>Most of Nanome’s users…</h4>
… are academics and biopharmaceutical companies who license its tech. But the free version is available now on <a href="https://store.steampowered.com/app/493430/Nanome/">Steam</a> and <a href="https://www.oculus.com/experiences/rift/1873145426039242/">Oculus</a>. And downloads are +50% between March 2020 and March 2021 compared to the year prior.
How do you use VR to stop coronavirus?
While the COVID-19 vaccine prevents infection, we still need <a href="https://eswi.org/knowledge-center/difference-between-vaccines-antivirals-and-antibiotics/">antivirals</a>, which treat people who’ve already been infected.
Andrey Kovalevsky, a senior R&amp;D scientist at Oak Ridge National Laboratory, is using Nanome on an Oculus Rift S to figure out how to stop a COVID-19 protein from reproducing.
“Without VR, it is difficult to comprehend the three-dimensional of a protein,” Kovalevsky told The Information.
<h4>What else could medical science do with VR?</h4>
Caltech, NASA’s Jet Propulsion Laboratory, and the National Cancer Institute have <a href="http://ovras.caltech.edu/OVS/TUMOR/">explored</a> how VR could help find tumors in diagnostic imaging scans.
Immertec’s Medoptic lets surgeons <a href="https://www.axios.com/immertec-virtual-reality-surgical-training-tampa-807d2a96-c7c2-48fc-9912-808433cd92f2.html">broadcast</a> their procedures, a service CEO Erik Maltais describes as “a combination of MasterClass and Twitch for health care in VR.”
<a href="https://www.seeheru.com/">Heru</a> — which recently snagged <a href="https://finance.yahoo.com/news/heru-series-funding-accelerates-cloud-130000045.html">$30m</a> in Series A funding — is developing AI-driven vision diagnostics software for use in AR/VR headsets.

How researchers are using VR to combat COVID

Originally published at <a href="https://thehustle.co/06142021-vr-to-combat-covid/">theHustle.co</a> by Juliet Bennett Rylah
 
Here’s a stat that seems obvious but is still impressive: 2.8B+ people <a href="https://www.statista.com/statistics/483255/number-of-mobile-messaging-users-worldwide/#:~:text=Global%20number%20of%20mobile%20messaging%20users%202018%2D2022&amp;text=In%202020%2C%20an%20estimate%20of,popular%20mobile%20messenger%20app%20worldwide.">use</a> messaging apps to chat.
And now a lot of those people also use them to shop.
It’s called “<a href="https://medium.com/chris-messina/2016-will-be-the-year-of-conversational-commerce-1586e85e3991#.f50xaqevj">conversational commerce</a>” (AKA c-commerce) and, <a href="https://www.economist.com/business/2021/07/10/will-conversational-commerce-be-the-next-big-thing-in-online-shopping">according</a> to The Economist, it’s hot in online shopping.
<h4>Conversational what now?</h4>
In c-commerce, businesses use AI bots on platforms like China’s WeChat, Apple Business Chat, and Facebook Messenger to connect with customers.
The bots help them browse and find products, book services, make purchases, and track delivery info. It’s fast, convenient, and works even if your internet is spotty.
Example: In 2017, Lego launched <a href="https://www.thedrum.com/news/2017/11/23/meet-lego-s-facebook-messenger-chatbot-ralph-helpful-alternative-bricks-and-mortar">Ralph</a>, a friendly bot that helped shoppers find the perfect gift for building-block enthusiasts.
Other big brands including Ikea, Sephora, Walmart, and Coca-Cola are all aboard this train, too — and it’s no wonder.
<h4>AI-powered chat…</h4>
… could power <a href="https://www.businessinsider.com/chatbot-market-stats-trends">$142B</a> in retail spend by 2024, per Insider Intelligence (that’s up from $2.8B in 2019).
And supplying chat functionality is a growing business, too: <a href="https://www.yalo.com/">Yalo</a> has raised <a href="https://www.crunchbase.com/organization/yalochat">$100m+</a> to help businesses onboard to messenger platforms like WhatsApp (where customers exchange an eye-popping 175m messages per day with business accounts).
What’s the best use of all this fancy AI? Chatbots that send you <a href="https://www.dominos.com/chat-pizza-order/">pizza</a>.

Is c-commerce the key to ecommerce?

Originally published at <a href="https://www.morningbrew.com/daily/stories/2021/07/15/revolut-800-million-funding-round-signifies-hot-fintech-market" class="jss111">morningbrew.com</a> by Matty Merritt
 
Fintech has become more popular than a white Telfar bag. After an $800 million funding round, Revolut, a London-based fintech startup, is now the UK's <a href="https://techcrunch.com/2021/07/15/revolut-confirms-a-fresh-800m-in-funding-at-a-33b-valuation-to-supercharge-its-financial-services-superapp/?utm_source=morning_brew" rel="noopener" target="_blank">biggest private company ever</a> with a valuation of $33 billion. It was worth just $5.5 billion last year.
Revolut falls into the category of “neobanks,” which plug into traditional banking infrastructure and repackage it with a smooth, easy-to-navigate platform. Revolut allows users to bank, invest, transfer money, budget, or do anything else their financial heart desires.
<h2>Fintech investing &gt; other kinds of investing</h2>
When you say, “Invest in my new fintech startup,” investors say, “How much?” $1 out of every $5 raised globally last quarter went to the fintech industry for a total of <a href="https://www.morningbrew.com/daily/stories/2021/07/08/global-venture-funding-uses-momentum-2021s-first-quarter-hit-record-highs-second-quarter?utm_source=morning_brew" rel="noopener" target="_blank">$33.7 billion</a>, per CB Insights. With Stripe and Klarna, fintech boasts two of the five most valuable unicorns in the world.
It’s also clear that Europe doesn’t need help from Ted Lasso to build world-beating fintechs.
<ul>
 <li>Klarna, the Swedish buy-now-pay-later company responsible for the staggering amount of Girlfriend exercise dresses in your closet, snagged a $46 billion valuation last month.</li>
 <li>Wise, a British money-transfer app, was the first tech company to go public on the London Stock Exchange via direct listing last week. The company was valued at $11 billion and its listing was a huge win for the burgeoning fintech industry the country has been <a href="https://fortune.com/2021/07/07/fintech-wise-public-london-stock-exchange-direct-listing/?utm_source=morning_brew" rel="noopener" target="_blank">trying to birth</a> since Brexit.</li>
</ul>
Zoom out: Venture capitalists are betting that fintech companies, with their focus on digital and their potential to attract the legions of underbanked or unbanked people in the world, will successfully disrupt incumbent banks.

Join the Fintech Revolut-ion

Originally published at <a href="https://learn.robinhood.com/articles/6UsdUrlnUvxiDpDT4D2bup/what-is-an-initial-public-offering-ipo/">robinhood library</a>.
<h2>🤔 Understanding an IPO</h2>
An Initial Public Offering (IPO) is a company’s first time offering its stock for sale to the public. It’s a lengthy process in which investment banks usually help the IPO’ing company determine an appropriate price to sell its shares on the <a href="https://learn.robinhood.com/articles/2oZ3da1LxPhVbsVxk5kVHa/what-is-the-stock-market" rel="noopener noreferrer" target="_blank">stock market</a> — and it culminates with List Day, when the shares become tradable.
When a company IPOs, its stock becomes listed on the public investing menu for the first time. Media hype surrounding the event can make it tempting to purchase stock in recent IPO companies, but IPO investing can be like jumping into the deep-end — it may not be appropriate for new investors looking for stable or predictable investments. More information on investing in an IPO can be found in the SEC’s <a href="https://www.sec.gov/investor/alerts/ipo-investorbulletin.pdf" rel="noopener noreferrer" target="_blank">investor bulletin</a>.
<h2>Why do companies list their stocks?</h2>
For many companies, an IPO is an opportunity to raise substantial new money to grow the business. “Going public” also makes shares more <a href="https://learn.robinhood.com/articles/5NN1CBg7Od8qFSN3gnttFv/what-is-liquidity" rel="noopener noreferrer" target="_blank">liquid</a>, which means it’s easier for early shareholders, like founders and initial investors, to turn their shares into cash. Lastly, the stringent financial reporting requirements that come with going public can encourage stronger management practices that may benefit shareholders.
<h2>Pricing and listing stock in an IPO</h2>
The IPO process usually begins with the company hiring one or more investment banks to help it decide the initial price of its shares. The company then issues a preliminary prospectus and registration statement (or S-1) detailing its business model and plans for the funds raised.
After that, the company and its banks can host a roadshow to discuss the business model with institutional investors, analysts, hedge funds, and fund managers, who can provide an indication of interest in buying the stock. This helps the company and its bankers determine the share price.
With the initial stock price determined, the company makes available new stock to offer on <a href="https://learn.robinhood.com/articles/2oZ3da1LxPhVbsVxk5kVHa/what-is-the-stock-market" rel="noopener noreferrer" target="_blank">stock markets</a>. In exchange for its shares, the company receives funds paid by investors who have purchased shares.
After the IPO, its stock is freely tradable on the secondary market, and most investors (except certain company insiders with restrictions) can buy or sell shares as they please.
<h2>What happens on the day of an IPO?</h2>
Investing in any stock comes with risk of the share price rising or falling, and that is especially true on List Day. Shares begin trading in public markets, initially at the final IPO price, then freely based on demand by investors.
In the US, trading of stocks begins at 9:30am ET (when the market opens). But List Day trading for an IPO making typically does not begin until later due to pent-up demand and limited supply of shares. Once the trading does begin, investors can begin buying and selling the new company’s shares through your brokerage firm.
<h2>Are there risks to trading a recently listed stock?</h2>
There are risks to trading all stocks, especially stocks of companies that recently listed.
Hype can increase volatility:
<ul>
 <li>There’s often media attention surrounding an IPO, and statements by the company’s leadership or bank underwriters may be overly optimistic or pessimistic in the early days of trading. This heightened attention can increase volatility, meaning the share price may rise or fall by significant amounts on a single day.</li>
</ul>
Investment banks can protect the stock price:
<ul>
 <li>In the days following an IPO, the bank underwriters are allowed to protect the stock price from falling too much. They may even buy shares of the newly-listed company. Once this support ends, the stock price has the potential to fall below the offering price. Look for this kind of price support in a company’s IPO registration paperwork.</li>
</ul>
IPO stocks are considered speculative. An investor should read the prospectus carefully:
<ul>
 <li>Typically released to the public a few weeks ahead of the IPO, the prospectus is required paperwork filed by the IPO’ing company. It’s designed to give investors information that can help them decide whether the offering is a good investment, like the terms of the stock, disclosures regarding the company’s financial condition, risks that the company faces, and details regarding their business model.</li>
</ul>
<h2>Direct Listing: An alternative way to go public</h2>
Both IPOs and Direct Listings give individual investors access to invest in companies for the first time, but there are some key differences. Unlike an IPO, a Direct Listing doesn’t involve issuing new shares or raising new capital. This means there’s no investor roadshow, and fewer fees paid to investment banks by the stock-issuing companies.
Companies with strong brands that aren’t looking to raise new capital are generally attracted to Direct Listings.Their core need is the ability to list their shares publicly so early investors and shareholders can sell off their stakes — the Direct Listing can satisfy that, possibly more efficiently. <a href="https://www.robinhood.com/stocks/spot" rel="noopener noreferrer" target="_blank">Spotify’s</a> 2018 Direct Listing is a well known example.

What is an Initial Public Offering (IPO)?

Originally published by <a href="https://www.afdb.org/en/documents/publications" class="jss464">the African Development Bank Publications</a>.
 
Recent macroeconomic and financial developments
Real GDP in Rwanda was estimated to contract by 0.4% in 2020 due to the COVID–19 pandemic, after growing 9.4% in 2019. Trade, transportation, and tourism services have been the sectors most affected by the global pandemic. COVID–19 also hurt investment and exports. Rising food prices, stoked by disruptions to regional and domestic supply chains, contributed to a 6.6% increase in inflation in 2020. That was far higher than the 2.4% in 2019 and breached the central bank’s 5% policy target. The National Bank of Rwanda reduced the key policy rate to 4.5% in April 2020 from 5.0% in 2019 to stimulate growth, but private sector credit remained subdued, expanding by 10.2% in 2020, compared with 12.6% in 2019. Low tax yield and elevated health and social protection spending caused the fiscal deficit to grow to 8.3% of GDP in 2020, compared with 7.3% in 2019. The deficit was financed by COVID–19 budget support loans and grants from cooperating partners. Low exports and reduced foreign direct investment resulted in a current account deficit equivalent to 16.5% of GDP in 2020, compared with 9.3% in 2019. Gross reserves shrank. In 2020 they could cover 2.4 months of imports, compared with 4.5 months in 2019. Low external inflows contributed to a 4.6% depreciation of the Rwandan franc against the US dollar. The financial sector remains stable and well capitalized, with a capital adequacy ratio of 23.7% in June 2020, above the 15% regulatory threshold. The latest available data show an unemployment rate of 22.1% in May 2020, compared with 15% a year earlier. Unemployment growth reflects the virtual shutdown of such major industries as transport, food, and hospitality during the lockdown and is likely to increase the poverty rate —which was 38.2% in 2017, the most recent data available.
Outlook and risks
Growth is projected to rebound in 2021 and 2022, supported by high infrastructure spending on Bugesera airport and a pick up in the tourism sector as the effects of the pandemic dissipate. The implementation of the African Continental Free Trade Area is expected to boost intraregional trade, which will support growth—especially if Rwanda increases its share of intra-regional exports. Inflation is expected to abate within the policy target as reopened borders increase the food supply and domestic containment measures ease further. The fiscal deficit is projected to narrow to 7.8% of GDP in 2021 and to 7.2% in 2022 due to a planned fiscal consolidation in the 2021/22 fiscal year. The current account deficit is projected to narrow to 10.4% of GDP in 2021 and further improve to 9.1% in 2022, mainly because a rollout of COVID–19 vaccines should trigger a rebound in tourism and foreign direct investment. The downside risks to the outlook include trade disruptions due to simmering regional political tensions, a decline in the fiscal space due to a rising debt burden, and a resurgence of the COVID–19 virus.
Financing issues and options
Rwanda’s public debt was 58% of GDP in 2019 due to elevated spending on key infrastructure investment and a decline in aid flows. The COVID–19 crisis caused an increase in health-related spending and a decline in tax revenues, resulting in an increase in public debt to 66% of GDP in 2020, which is expected to reach 72% of GDP in 2021, above the safe debt ratio of 65%. In anticipation, the country’s debt distress was raised from low to moderate by the International Monetary Fund and World Bank, effective in June 2021. An urgent fiscal adjustment to a safe debt ratio of 65% of GDP is required to avoid the risk of slipping into high debt distress. The planned transition to the private sector–led growth, the use of blended finance and de-risking strategies to fund infrastructure projects, drawing on reserves, and renegotiating debt will help avoid overburdening the public balance sheet. Capacity building in the management of fiscal risks from private-public partnerships should be prioritized to support a fiscal consolidation strategy.

African Economic Outlook 2021- RWANDA

Originally published by <a href="https://www.afdb.org/en/documents/publications">the African Development Bank Publications</a>.
 
Recent macroeconomic and financial developments
Kenya’s economy has been hurt by the COVID–19 pandemic. In 2020, GDP growth is expected to decelerate to 1.4% from 5.4% in 2019. Growth is supported by agriculture, while weaknesses in services and industry have had a dampening effect. Domestic demand is subdued while external demand has neither helped nor hurt growth. Expansionary fiscal, monetary, and financial policy measures were introduced to mitigate the impact of the pandemic on businesses and households. Inflation is expected to ease to 5.1% because of lower aggregate demand. The fiscal deficit is expected to widen to 8.3% of GDP—the result of revenue shortfalls and pandemic-related spending increases to deal with health issues and to mitigate the damage to household income and businesses. The current account deficit is expected to narrow to 5.4% of GDP, supported by a sharp reduction in the oil import bill. Foreign exchange reserves declined to $7.8 billion (4.8 months of import cover) at the end November 2020 from $8.96 billion (5.6 months of import cover) at the end November 2019. The local currency weakened by 8.9% to KSH 110 to the US dollar at the end November 2020 from KSH 101 to the dollar a year earlier. The financial sector was affected by spillover effects from major sectors; the capital market was the hardest hit. The Nairobi Securities Exchange share index fell 20% between 30 September 2019 and September 2020, and market capitalization fell 2% over the same period. The pandemic did serious social damage. Nearly 2 million people are estimated to have fallen into poverty, and nearly 900,000 lost their jobs.
Outlook and risks
The growth outlook is positive. The economy is projected to grow by 5.0% in 2021 and 5.9% in 2022. The rebound assumes that economic activity will normalize due to a full reopening of the economy, the Economic Recovery Strategy being successfully implemented, and Kenya capitalizing on an expected improvement in external liquidity and benefiting from initiatives to meet its external financing needs. The external initiatives could include debt refinancing, restructuring and debt service relief, and additional concessional loans. Inflation is projected to remain within the Central Bank of Kenya’s target range of 2.5% to 7.5%, and fiscal and current account deficits are forecast to narrow as a result of improved revenue collection and exports. Downside risks to the outlook could emanate from delays in the full reopening of the economy, failure to secure external financing to execute the budget, a slowdown in global growth, and disruptive social conditions during the run-up to the 2022 elections.
Financing issues and options
Public debt surged to 72% of GDP in 2020 from 61% in 2019, driven mainly by public investment in infrastructure, debt management–related challenges, and the COVID–19 crisis. Kenya is now at high risk of debt distress as determined by the International Monetary Fund. Addressing the emerging fiscal and debt vulnerability risks would require growth friendly reforms, soliciting external financial assistance, concessional credit, and debt refinancing and restructuring. The growth–friendly reforms could entail revenue-related steps to improve tax compliance, widening the tax net by reviewing the list of tax-exempt and zero-rated items, formalizing the informal sector, ensuring that public expenditures reach their intended targets, and deepening the domestic financial market to support private and public sector credit growth.

African Economic Outlook 2021- KENYA

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🇷🇼 - Great Talent Today Ltd (GTT) is a leading Human Resources consulting firm based in Rwanda 🇷🇼. We specialize in providing strategic solutions tailored to meet our clients' diverse HR needs. At GTT, we are committed to delivering excellence and helping businesses unlock their full potential through innovative and impactful HR services.

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Royal Thai Restaurant in Amsterdam "The Chef creates divine combinations" Book a table at top Thai restaurant in Amsterdam and get amazing restaurant deals, offers on food & dining. IF your tastes stretch to the exotic and mysterious Far East, then you’ve to head for the city center. There, you will find Exotic Thai, where the extensive authentic menu includes soups, thai salads, appetizers, vegetarian starters before you even get to the main course options featuring a great choice of fish dishes, such as king prawn, and squid not to mention the range of Chef’s special dishes. Food is served in traditional Thai dishes and you will find the excellent waiter service attentive and helpful, and ready with advice on each of the delicious dishes.

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Bij Aarti Roti Taste is het onze missie om verse rotis te leveren aan groothandels, restaurants, winkels, supermarkten en particulieren. Of je nu een feest of bruiloft organiseert, of gewoon gemak zoekt, wij bieden een oplossing om tijd te besparen in de keuken. In de huidige snelle wereld, waar kwaliteit en gemak belangrijk zijn, geven wij voorrang aan uitstekende service.

Het traditioneel met de hand bereiden van rotis kost veel tijd, daarom zorgen wij ervoor dat onze producten dagelijks vers worden geleverd. Van bruiloften tot religieuze vieringen, onze warme of gekoelde rotis zijn beschikbaar voor iedereen, inclusief supermarkten, cateraars en groothandels, waardoor onze heerlijke producten voor iedereen toegankelijk zijn.

Onze diensten:

Surinaamse Roti Leverancier

Voedingsindustrie

Surinaamse & Indiase gerechten

Gevestigd in Amsterdam

Groothandel & bulkverkoop

Verwerkte voedingsproducten (Roti)

Aarti Roti Taste

Experteeth, founded by Dr. Manish Agrawal, is a premier dental clinic in Raipur, Chhattisgarh. With over 15 years of expertise in oral and maxillofacial surgery and implantology, Dr. Agrawal is highly recommended by patients for his professionalism and dedication. The clinic, designed by top architects, offers a comfortable and welcoming ambiance, ensuring a pleasant experience. With 11 in-house specialists, Experteeth provides comprehensive care using the latest technology, covering general dentistry, implants, restorative procedures, and more. Their aim is to deliver the best possible service and treatment to all patients.








Experteeth

Kirpa International Foods BV is een B2B groothandel, distributeur en exporteur van internationale voedingsmiddelen. Wij zijn gespecialiseerd in Amerikaanse, Britse en Mexicaanse snacks, zoetwaren en dranken. Ons doel is om een exclusief assortiment voedingsmiddelen uit de hele wereld aan te bieden met de laagste prijsgarantie. Wij garanderen dat wij uw Nr. 1 leverancier zijn en bieden de beste service en transportoplossingen in Europa. Bestel eenvoudig via onze website of app, of bezoek ons magazijn in Beverwijk voor cash & carry. Vergeet niet onze app te downloaden voor dagelijkse aanbiedingen!
📧 info@kirpa.nl

Onze diensten:

Groothandel in levensmiddelen

Voedingsindustrie

Snoep, frisdrank, snacks en zoetwaren

Gevestigd in Amsterdam

Afhalen aan de stoep (Kerbside Pickup)

Levering & online bestellen (Groothandelsleverancier)

Kirpa International Foods

Ontdek het toppunt van haarperfectie bij Sami Hair & Beauty Center, de toonaangevende haarwinkel in Amsterdam, Nederland, met meer dan 10 jaar expertise en passie voor het leveren van hoogwaardige haaroplossingen. Van luxe shampoos en conditioners tot prachtige haarstukken, wij bieden een gevarieerde selectie die zowel mannen als vrouwen aanspreekt.
Stap in een wereld van eindeloze mogelijkheden met ons assortiment producten dat geschikt is voor elk haartype – of het nu steil of krullend is. Onze schappen tonen een indrukwekkende collectie van bekende merken zoals Shea Moisture, Tgin, Red One, Palmers en Novex. Bij Sami Hair verkopen we niet alleen producten; we creëren ervaringen die jouw haarverzorging naar een hoger niveau tillen!
Onze Diensten:


* Haarverzorging
* Bodylotion
* Haarextensies
* Cosmetica en schoonheidsproducten
* Specialist in de cosmetische industrie
* Afrikaanse haar- en schoonheidsverzorging
* Winkel gevestigd in Amsterdam



Sami Afro Hair and Beauty Centre

At Brandon J. Broderick, Attorney at Law, our White Plains, NY personal injury lawyer is accomplished and has a strong track record of success. Attorney Broderick strives to meet every client's expectations and we represent people injured in a variety of situations: motor vehicle or pedestrian accidents, construction Injuries, truck accident injury, slip-and-fall, dog bite, and burn injury, as well as wrongful death and workers' compensation. With a long-standing commitment to client care, our attorneys are experienced in litigation, negotiation, arbitration, and settlements having won millions for our clients. We offer you legal assistance when you need it most. Schedule a free, no-obligation consultation today! We are available 24/7.


Brandon J Broderick, Personal Injury Attorney at Law White Plains

Albany Personal Injury Attorney at Law, Brandon J. Broderick

At Brandon J. Broderick, Personal Injury Attorney at Law, our Rutland, Vermont personal injury lawyer is accomplished and has a strong track record of success. Attorney Broderick strives to meet every client's expectations and we represent people injured in a variety of situations: motor vehicle(Truck Accident, Car Accidents) or pedestrian accidents, brain injury, slip-and-fall, dog bite, and burn injury, as well as wrongful death and workers' compensation. With a long-standing commitment to client care, our attorneys are experienced in litigation, negotiation, arbitration, and settlements having won millions for our clients. We offer you legal assistance when you need it most. Schedule a free, no-obligation consultation today!


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Incense is a premier online women's clothing store based in India, offering a wide range of stylish and affordable apparel for modern women. Known as the Best Stylish Women Clothing Brand in Delhi, brand provides high-quality garments that blend fashion with affordability. Whether you're looking to shop modern clothes for ladies or seeking affordable women's clothing online, I Love Incense is your go-to destination for the latest trends in women's fashion.

Incense Clothing Co.

Annapurna Kitchen is an Indian restaurant in Amsterdam ?? that specializes in serving aromatic and authentic Indian and Nepalese cuisines ????. Our menu includes a wide variety of delicious dishes made with the freshest ingredients, including flavorful curries, sizzling tandoori dishes, rich biryanis, and more.

We offer several convenient options — delivery , takeaway , dine-in , and online ordering . Customers can easily browse our menu, place their orders, and pay online. We also provide catering services in Amsterdam , offering a diverse range of dishes for events and gatherings of all sizes, along with services like set-up and professional staff to serve the food.

Whether you're looking for a casual takeout meal or a relaxing sit-down dinner, Annapurna Kitchen has something delicious to offer! 

Services:

Restaurant

 Food Industry

Indian & ?? Nepali Cuisine

Amsterdam

Dine-In

Kerbside Pickup

Delivery

Online Order


Annapurna Kitchen Indian Restaurant

Welcome to Anmool Indian Restaurant, located at Bennebroekerlaan 85, 2121 GS Bennebroek. Step into a warm and inviting atmosphere that instantly transports you to the vibrant heart of India. We take pride in serving rich, aromatic, and flavorful dishes that delight your taste buds and showcase the best of Indian cuisine.

As a popular Indian restaurant in Bennebroek, Anmool is dedicated to providing a truly authentic dining experience. Our skilled chefs, passionate about traditional Indian cooking, prepare every dish using fresh ingredients and the finest spices. Each meal reflects the vibrant flavors, colors, and aromas that define India’s rich culinary heritage. Whether you’re visiting for a family dinner or a cozy meal with friends, Anmool Restaurant promises an unforgettable taste of India in the heart of Bennebroek.
From our mouthwatering special mix grill to a wide range of vegetarian options, we have something to satisfy every craving.We also offer Indian catering services in Bennebroek, perfect for family gatherings, corporate events, and celebrations. Experience the true taste of India with Anmool — where every meal is made with love and tradition.

Our Services:

Dine-In

Kerbside Pickup

Delivery

Online Order

Daily Lunch & Dinner

Weekly and Monthly Meal Plans

Asian Restaurant

Indian & Nepali Cuisine

Food Industry Expertise

Located near Amsterdam



Anmool Indian Restaurant

Big Shopper Group is een toonaangevende FMCG-distributeur en een betrouwbare snoepleverancier in Nederland, gespecialiseerd in premium internationale snoep, snacks en dranken. Sinds onze oprichting in 2016 in Amsterdam zijn we uitgegroeid tot een van de grootste importeurs van Amerikaanse zoetwaren in Europa, aangevuld met producten uit Japan, het Verenigd Koninkrijk en meer. Met wereldwijde magazijnen in Nederland, Duitsland, het Verenigd Koninkrijk, de VAE en de VS zorgen wij voor snelle en betrouwbare levering wereldwijd. Wij leveren aan supermarkten, speciaalzaken en groothandels, en bieden topmerken, scherpe prijzen en uitstekende service.

Diensten:

Groothandel Voedselwinkel

Voedingsindustrie Leverancier

Snoep, Frisdrank, Snacks & Zoetwaren

Gevestigd in Amsterdam

Afhalen aan de stoep (Kerbside Pickup)

Bezorgservice

Online Groothandel Bestellingen

Big Shopper Group

A responsible travel brand offering cultural, wildlife, and adventure experiences while reinvesting in conservation and local community development.Travel with purpose, experience the Wild responsibly.

WILDLIDE RWANDA

Elevate your wardrobe with the American Legend jacket, a signature piece inspired by classic American heritage fashion. Designed with exceptional craftsmanship, this jacket blends timeless style with rugged durability, making it a standout choice for those who appreciate iconic outerwear.

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Karisimbi Restaurant offers a premium dining experience, combining authentic Rwandan cuisine with carefully curated international dishes. Our focus is on quality, freshness, and impeccable service, creating a welcoming environment for families, friends, and professionals.

KARISIMBI RESTAURANT

Laat je onderdompelen in het levendige tapijt van de Indiase keuken bij Holi Almere Restaurant. Geniet van de authenticiteit van hartige gerechten die de culinaire tradities van India beslaan. Onze uitgebreide menukaart toont de rijkdom aan smaken en belooft een culinaire reis die je smaakpapillen prikkelt.

Verrijk je eetervaring met buiten zitten op ons uitnodigende terras, waar elke hap wordt aangevuld met de verfrissende ambiance. Laat je onderdompelen in de kunst van verfijnd dineren met onze comfortabele zitplaatsen voor zowel ontspanning als gezellig samenzijn. Of je nu kiest om binnen te dineren of de voorkeur geeft aan het gemak van je eigen ruimte, onze afhaal- en bezorgdiensten in Almere Haven zorgen ervoor dat de essentie van Holi altijd dichtbij is.

Onze diensten:

Restaurant

Eten en drinken

Indiaas

Almere, Almere Buiten, Almere Haven, Almere Poort, Almere Stad, Almere Hout, Almere Strand

Dine-in

Bezorging

Afhalen

Catering
Halal"

Holi Indian Restaurant Almere

CODASE

Discover a world of unmatched automotive excellence with ExoticCars.ae. From sleek sports cars to high-end SUVs, we highlight the best of Dubai’s exotic car scene, tailored for those who demand sophistication on the road.


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Email: business@unimaktechnologies.com Phone: +919677597973



Unimak Technologies

Factech provides free facility maintenance management software enabling efficient work orders, asset tracking, preventive maintenance, real-time insights, and simplified operations for facilities seeking smarter, cost-effective maintenance management solutions nationwide adoption.

Factech Solution

Het Webdesign biedt professionele websitediensten in Diemen voor bedrijven die op zoek zijn naar een sterke online aanwezigheid. Wij creëren volledig op maat gemaakte websites en apps die perfect aansluiten bij de identiteit van uw merk. Met een combinatie van creativiteit en strategie ontwerpen wij visueel aantrekkelijke en SEO-vriendelijke websites die meetbare resultaten opleveren.



Ons ervaren team helpt uw bedrijf zich te onderscheiden van de concurrentie en zorgt ervoor dat bezoekers worden omgezet in waardevolle leads. Kies voor onze webdesigndiensten in Diemen voor effectieve online zichtbaarheid en groei.



Diensten:



Webontwikkeling

Ontwerp

Digitale marketing

IT en ontwikkeling

Internet & Telecom

Zakelijk & Industrieel

Nederland

Online offertes

The WebDesign

Education Vibes is a trusted name among overseas education consultants, offering expert guidance to students aspiring to study abroad. With a student-centric approach, Education Vibes provides personalized counselling for course selection, university admissions, visa assistance, and pre-departure support.

The consultancy also specializes in MBBS abroad, helping medical aspirants secure admission to globally recognized universities with transparent guidance on eligibility, documentation, and licensing pathways. Whether students are planning higher education in the USA, UK, Canada, Australia, Europe, or affordable MBBS destinations abroad, Education Vibes ensures a smooth and reliable overseas education journey.

With experienced counselors and end-to-end support, Education Vibes helps students make informed decisions and confidently pursue global education opportunities.

Education Vibes

Leather Jacket NZ is a professional manufacturing brand who offer top-rated and tremendous leather jackets that last more than 5 years. All of their jackets are well-made, highly classy, solid and long-lasting. They currently offer 50% discounts on their jacket. From biker leather jackets to Womens leather jacket NZ they offer all leather jackets in a different price range for both men and women. All of their prices are transparent and clear. As they offer a 100% money-back promise if you obtain a damaged product of poor quality due to some reasons, you will get a full refund.

Leather Jacket NZ

Maria.B is a renowned fashion brand known for its timeless elegance and refined craftsmanship. Blending modern silhouettes with rich cultural aesthetics, the brand offers premium womenswear and menswear designed for every occasion. From everyday essentials to festive ensembles, Maria.B stands for quality fabrics, intricate details, and effortless style.

Maria.B.

Beekeeping for a sustainable and prosperous future.

COOAJM

Designpluz is a digital agency based in Sydney, specialising in providing clients with full-service digital solutions and is known for providing web design, custom software development, and mobile applications. We provide clients with the knowledge and experience of 17 years in the industry, combining their understanding of business, user experience, and the latest technology to create solutions that will have a positive impact on a client's digital presence. Designpluz has developed AI-powered software and created eCommerce websites for clients to suit their needs, using WordPress as well as Shopify, WooCommerce, BigCommerce, and Magento. They specialise in creating scalable systems using technologies such as PHP, NET, ReactJS, Angular, and React Native, and provide SaaS MVP, cloud, and DevOps support. They also offer SEO and legacy system upgrade services. They help their clients grow their businesses confidently.

Designpluz

At Brandon J. Broderick, Attorney at Law, our Manhattan, New York personal injury lawyer is accomplished and has a strong track record of success. Attorney Broderick strives to meet every client's expectations and we represent people injured in a variety of situations: motor vehicle or pedestrian accidents, construction Injuries, truck accident injury, slip-and-fall, dog bite, and burn injury, as well as wrongful death and workers' compensation. With a long-standing commitment to client care, our attorneys are experienced in litigation, negotiation, arbitration, and settlements having won millions for our clients. We offer you legal assistance when you need it most. Schedule a free, no-obligation consultation today! We are available 24/7. | (866) 589-2013


New York City Personal Injury Attorney at Law, Brandon J. Broderick

Elora Gems sells natural and certified gemstones selected through a structured verification process. Our collection includes Blue Sapphire, Emerald, Ruby, Red Coral, Hessonite, Yellow Sapphire, and Pearl, offered as loose gemstones or ready-to-wear jewelry. Each gemstone is ethically mined and lab-tested to meet professional standards. Based in India, Elora Gems delivers globally with consistent quality, transparent pricing, and reliable service.

Elora Gems

At Brandon J. Broderick, Personal Injury Attorney at Law, our Newark, NJ personal injury lawyer is accomplished and has a strong track record of success. Attorney Broderick strives to meet every client's expectations and we represent people injured in a variety of situations: motor vehicle or pedestrian accidents, brain injury, slip-and-fall, dog bite, and Construction injuries, as well as wrongful death and workers' compensation. The firm has a long-standing commitment to client care and has vast experience in litigation, negotiation, arbitration, and settlements. The attorneys have won millions for our clients. The devoted attorneys offer you legal assistance when you need it most. Schedule a free, no-obligation consultation today! | 

Phone :  (877) 329-3204 | 

Address:  41-43 Manufacturers Pl, Newark, NJ 07105, USA


Newark Personal Injury Attorney at Law, Brandon J. Broderick

At Brandon J. Broderick, Attorney at Law, our Hempstead, New York personal injury lawyer is accomplished and has a strong track record of success. Attorney Broderick strives to meet every client's expectations and we represent people injured in a variety of situations: motor vehicle or pedestrian accidents, construction Injuries, truck accident injury, slip-and-fall, dog bite, and burn injury, as well as wrongful death and workers' compensation. With a long-standing commitment to client care, our attorneys are experienced in litigation, negotiation, arbitration, and settlements having won millions for our clients. We offer you legal assistance when you need it most. Schedule a free, no-obligation consultation today! We are available 24/7. |

Website: https://www.brandonjbroderick.com/Locations/Hempstead-New-York?utm_campaign=gmb

Brandon J. Broderick, Personal Injury Attorney at Law

EmizenTech UAE, established in 2013, is a leading Software & IT services company delivering innovative digital solutions across Dubai and the UAE. We specialize in custom mobile and web app development, enterprise software, AI & machine learning, IoT, blockchain, and cloud solutions. Our expert team builds secure, scalable, and tailored technologies that help businesses improve efficiency, drive growth, and stay ahead in the fast-evolving digital landscape. Trusted, reliable, and technology-driven — EmizenTech UAE turns ideas into results.

EmizenTech UAE

Website: https://www.brandonjbroderick.com/massachusetts/personal-injury-lawyer-worcester?utm_campaign=gmb  |


Phone :  (866) 721-7541 | 

Address:  67 Millbrook St Suite 421, Worcester, MA 01606, USA |

At Brandon J. Broderick, Attorney at Law, our Worcester MA personal injury lawyer is accomplished and has a strong track record of success. Attorney Broderick strives to meet every client's expectations and we represent people injured in a variety of situations: motor vehicle or pedestrian accidents, construction Injuries, truck accident injury, slip-and-fall, dog bite, and burn injury, as well as wrongful death and workers' compensation. With a long-standing commitment to client care, our attorneys are experienced in litigation, negotiation, arbitration, and settlements having won millions for our clients. We offer you legal assistance when you need it most. Schedule a free, no-obligation consultation today! We are available 24/7.


Worcester Personal Injury Attorney at Law, Brandon J Broderick

COABUMUCYA

Nover & Co Pty Ltd is an Australian-owned supplier of premium kitchen and joinery solutions for residential and commercial spaces. The company offers a wide range of products including high-quality kitchen sinks, taps, benchtops, cabinetry hardware, and storage solutions. Known for durable materials and contemporary design, Nover products are built to perform in modern Australian homes. Serving customers nationwide, Nover delivers reliable solutions backed by industry expertise and trusted service.

Nover & Co Pty Ltd

At Brandon J. Broderick, Attorney at Law, our Yonkers, New York personal injury lawyer is accomplished and has a strong track record of success. Attorney Broderick strives to meet every client's expectations and we represent people injured in a variety of situations: motor vehicle or pedestrian accidents, construction Injuries, truck accident injury, slip-and-fall, dog bite, and burn injury, as well as wrongful death and workers' compensation. With a long-standing commitment to client care, our attorneys are experienced in litigation, negotiation, arbitration, and settlements having won millions for our clients. We offer you legal assistance when you need it most. Schedule a free, no-obligation consultation today! We are available 24/7. |

Address:  94 School Street Second Floor Suite # 3, Yonkers, NY, 10701, USA


Brandon J. Broderick, Personal Injury Attorney at Law 



Phone :  (877) 230-8110

Address:  102 Browning Ln #5, Cherry Hill, NJ, 08003, USA

Seeking a top personal injury attorney in Cherry Hill? Brandon J. Broderick at Law is a trusted choice for car accident victims. We provide expert legal representation for auto accident and personal injury cases, including rear-end collisions, T-bone accidents, and uninsured motorist claims. If you need a dedicated car accident attorney Cherry Hill or are looking for the best personal injury attorney near you, call us for a free consultation. Open 24/7, we help personal injury claims for clients all over New Jersey, including Willowdale, Barclay, Society Hill, Greentree, Cherry Hill and surrounding areas in Camden County. Call us today for a free case evaluation and speak to a lawyer near you.


Cherry Hill Personal Injury Attorney at Law, Brandon J. Broderick

Themis Technologies LTD offers expert support for the Tech Nation Digital Technology Global Talent Visa endorsement, helping exceptional tech professionals secure endorsement to live and work in the UK’s thriving digital sector. From the initial consultation through to endorsement submission, Themis provides personalised guidance on documentation, evidence preparation, and strategic positioning to meet Tech Nation’s criteria. Their service also includes ongoing support such as career advice and job search assistance, ensuring clients are well‑equipped to succeed both during and after the visa process

Themis Technologies LTD

BooksMerge provides expert accounting, bookkeeping, payroll, taxation, and data migration services to help businesses stay organized and compliant. We simplify financial processes, ensure accuracy, and support confident decision-making so you can focus on growing your business with clarity and peace of mind.

BooksMerge

Indian International Express is a fast and reliable international courier company in Coimbatore, delivering secure worldwide shipping for documents and parcels. We offer professional international courier services in Pollachi, Singanallur, Udumalpet, and support exporters through trusted international courier agencies in Tirupur. Our global network enables smooth international courier service from Coimbatore to the USA, UK, London, China, Japan, Singapore, Malaysia, and the UAE with timely delivery and expert handling.

Indian International Express

Sustainable honey production, empowering communities.

KOPERATIVE INGENZI KINIGI

At Brandon J. Broderick, Personal Injury Attorney at Law, our Philadelphia, PA personal injury lawyer is accomplished and has a strong track record of success. Attorney Broderick strives to meet every client's expectations and we represent people injured in a variety of situations: motor vehicle or pedestrian accidents, brain injury, slip-and-fall, dog bite, and burn injury, as well as wrongful death and workers' compensation. With a long-standing commitment to client care, our attorneys are experienced in litigation, negotiation, arbitration, and settlements having won millions for our clients. We offer you legal assistance when you need it most. Schedule a free, no-obligation consultation today!


Philadelphia Personal Injury Attorney at Law, Brandon J. Broderick

Globe Packaging is a leading provider of packaging materials across the UK. Browse our variety of packaging categories which is available at a competitive price. We pride ourselves on offering our customers top quality products coupled with competitive prices and an unbeatable next working day service. Our online shopping is simple and safe.

Globe Packaging

At Topvintage, we believe retro clothing should feel as good as it looks. Since 2008, we've been curating standout pieces that bring a touch of retro to your everyday wardrobe; no frills, just great style and a flattering fit. Our selection is all about personality, featuring the perfect retro dresses for women who love vivid prints and classic cuts. We have more than 200 brands, including our own, and our all-women team carefully selects each item. They live and breathe fashion that celebrates uniqueness.

Topvintage

Delhinight offers escort service in connaught place for those who want glamorous companionship in the commercial heart of Delhi, surrounded by offices, lounges and heritage hotels. Our escorts can join clients for drinks, club nights, business dinners or casual walks around CP before moving to a more private setting for the rest of the booking. The agency provides options ranging from bold party girls to elegant corporate-friendly companions, each trained in manners, conversation and personal presentation.


Delhi Night

Jordash Clothing is where bold fashion dreams come alive! As one of the UK’s leading wholesale clothing suppliers, Jordash Clothing delivers an irresistible mix of women's gothic clothing, retro treasures, and vibrant ethnic wear that’s perfect for retailers wanting to stand out. Our gothic collection is nothing short of spellbinding—think dramatic dresses, intricate skirts, and edgy tops that scream individuality. Retro lovers can dive into a treasure trove of vintage-inspired gems, each piece brimming with nostalgic charm. And the ethnic collection? It’s a kaleidoscope of colours and patterns, celebrating rich cultural artistry that adds a touch of global flair to any store.

Jordash Clothing

We're Packaging Now, and we've been supplying packaging materials across the UK for over 20 years. Our store has everything from cardboard boxes and postal boxes to book wraps, [parcel wrap][1], envelope boxes, bubble wrap rolls, and all the other bits you need to pack things properly. We make most of our products ourselves from our own paper supply, which means we can keep the quality high and the prices fair. Need something quickly? We deliver next day across the UK. Not sure what you need? Give us a ring and our team will help you figure it out. Quality products that arrive on time, straight to your door.

Packaging Now

Medic Foods is an health-based company which focuses on helping individuals achieve good nutritional status through health related articles, nutrition counseling and diet therapy.

Medic Foods 

Prestige Valuations helps you in evaluating your important assets. Either for insurance, divorce settlement or to repair the damage of your asset, we understand your needs and provide you with expert valuers who help you in evaluating your asset. For jewellery valuation, we provide you with the best jewellery valuers. The same goes for antique valuation, watch valuation, and alike.

Prestige Valuations

Like A Diva is a leading online marketplace for ethnic fashion, offering a wide range of traditional, Indo-western, and contemporary Indian clothing for women. With a focus on quality, affordability, and customer satisfaction, Like A Diva brings together the best of Indian fashion, including Indo-western dresses, Anarkali suits, Indian wedding dresses, and Fusion Wear.

Like A Diva

Give And Take UK is one of the most famous retail stores selling watches online in the UK. We have various kinds of watches for people of all ages ranging from kids to the adults. We deal in cheap branded watches to the extremely high-end ones ranging from Seiko to Ravel to Elizabeth Rose. Do visit our website for more details!


Give and Take UK

At Brandon J. Broderick, Personal Injury Attorney at Law, our Parsippany, New Jersey personal injury lawyers are accomplished and have a strong track record of success. Attorney Broderick strives to meet every client's expectations and we represent people injured in a variety of situations: motor vehicle or pedestrian accidents, brain injury, slip-and-fall, dog bite, and burn injury, as well as wrongful death and workers' compensation. With a long-standing commitment to client care, our attorneys are experienced in litigation, negotiation, arbitration, and settlements having won millions for our clients. We offer you legal assistance when you need it most. Schedule a free, no-obligation consultation today!

Brandon J. Broderick, Personal Injury Attorney at Law Parsippany

UNICOOPAV

At Brandon J. Broderick, Attorney at Law, our Queens, New York personal injury lawyer is accomplished and has a strong track record of success. Attorney Broderick strives to meet every client's expectations and we represent people injured in a variety of situations: motor vehicle or pedestrian accidents, brain injury, slip-and-fall, dog bite, and burn injury, as well as wrongful death and workers' compensation. With a long-standing commitment to client care, our attorneys are experienced in litigation, negotiation, arbitration, and settlements having won millions for our clients. We offer you legal assistance when you need it most. Schedule a free, no-obligation consultation today! We are available 24/7. | 
Phone :  (877) 640-5611 | 
Address:  110-20 Jamaica Ave, Jamaica, NY 11418, USA


Queens Personal Injury Attorney at Law, Brandon J. Broderick

At Brandon J. Broderick, Attorney at Law, Bronx, New York personal injury lawyer is accomplished and has a strong track record of success. Attorney Broderick strives to meet every client's expectations and we represent people injured in a variety of situations: motor vehicle or pedestrian accidents, construction Injuries, truck accident injury, slip-and-fall, dog bite, and burn injury, as well as wrongful death and workers' compensation. With a long-standing commitment to client care, our attorneys are experienced in litigation, negotiation, arbitration, and settlements having won millions for our clients. We offer you legal assistance when you need it most. Schedule a free, no-obligation consultation today! We are available 24/7. | 
Phone :  (877) 239-5097 | 
Address:  111 Bruckner Blvd #301, Bronx, NY 10454, USA


Bronx Personal Injury Attorney at Law, Brandon J. Broderick

Shop the latest Fear Of God Essentials hoodies. Discover new releases, premium materials, and iconic minimalist designs.

Essentials Hoodie

At Brandon J. Broderick, Personal Injury Attorney at Law, our Toms River, New Jersey personal injury lawyer is accomplished and has a strong track record of success. Attorney Broderick strives to meet every client's expectations and we represent people injured in a variety of situations: motor vehicle(Truck Accident, Car Accidents) or pedestrian accidents, brain injury, slip-and-fall, dog bite, and burn injury, as well as wrongful death and workers' compensation. With a long-standing commitment to client care, our attorneys are experienced in litigation, negotiation, arbitration, and settlements having won millions for our clients. We offer you legal assistance when you need it most. Schedule a free, no-obligation consultation today!

Brandon J. Broderick, Personal Injury Attorney at Law Toms River

At Brandon J. Broderick, Attorney at Law, our Paterson, NJ personal injury lawyer is accomplished and has a strong track record of success. Attorney Broderick strives to meet every client's expectations and we represent people injured in a variety of situations: motor vehicle or pedestrian accidents, brain injury, slip-and-fall, dog bite, and burn injury, as well as wrongful death and workers' compensation. The firm has a long-standing commitment to client care and has vast experience in litigation, negotiation, arbitration, and settlements. The attorneys have won millions for our clients. The devoted attorneys offer you legal assistance when you need it most. Schedule a free, no-obligation consultation today!| 

Phone :  (866) 578-7117 | 
Address:  111 Washington St suite 111, Paterson, NJ 07505, USA


Paterson Personal Injury Attorney at Law, Brandon J. Broderick

At Brandon J Broderick, Attorney at Law, we believe in empowering and uplifting injured individuals through compassion and legal expertise. Our dedicated attorneys specialize in personal injury, car accident claims, workers compensation, and employment law. We've helped thousands of individuals and their families turn their setup into a comeback.

Brandon J. Broderick, Personal Injury Attorney at Law River Edge

At Brandon J. Broderick, Personal Injury Attorney at Law, our Paramus, NJ personal injury lawyer is accomplished and has a strong track record of success. Attorney Broderick strives to meet every client's expectations and we represent people injured in a variety of situations: motor vehicle or pedestrian accidents, brain injury, slip-and-fall, dog bite, and burn injury, as well as wrongful death and workers' compensation. With a long-standing commitment to client care, our attorneys are experienced in litigation, negotiation, arbitration, and settlements having won millions for our clients. We offer you legal assistance when you need it most. Schedule a free, no-obligation consultation today!

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