× SPECIAL FRIEND — Luis Fernandez made a new special friend when The Green Meadows Farm petting zoo visited Midtown Community School.
Pinterest (Photo Supplied/Crossroads Education) Indiana schools can now apply for a $50,000 grant to support e-learning capabilities and online tutoring platforms.The grants were made available after two anonymous donations totaling $500,000 were given to Crossroads Education to expand its Learning Commons model, which is a tutoring program that helps Indiana students meet mathematics standards through peer collaboration.The donation will be broken down into $50,000 grants, which will be dispersed among 10 different schools. The funds are meant to help eliminate costs by providing much-needed devices and internet access to students to support e-learning capabilities and facilitate the use of Crossroads’ online tutoring platforms.Schools interested in applying for the Crossroads grants should email [email protected] Twitter Pinterest Twitter By Brooklyne Beatty – May 11, 2020 0 827 CoronavirusIndianaLocalNews Google+ Facebook Previous articleIndiana restaurants open Monday to 50% in-dining capacityNext articleMacy’s re-opening at University Park Mall Brooklyne Beatty Facebook Indiana schools can now apply for $50,000 e-learning, tutoring grants WhatsApp TAGS$50000coronavirusCOVID-19Crossroads Educatione-learningEducationgrantIndianaonlineschoolstutoring WhatsApp Google+
Businesses in various sectors are going digital to continue operating amid the COVID-19 pandemic. Recently, Indonesian start-ups and fintech companies have begun launching programs to help micro, small and medium enterprises (MSMEs) to go digital.One fintech company that has helped with the digitalization of the retail supply chain is peer-to-peer lender AwanTunai. The company has disbursed Rp 407 billion (US$27.8 million) in loans to wholesalers and retailers, including warung (kiosks) from 2019 to June.AwanTunai offers point-of-sale (POS) solution as well as AwanTempo, a lending program to help warung increase sales by increasing their stocks. Through digitalization, we can now know data, such as what wholesalers are distributing to small retailers, when it happens and the value of the transactions they make.We do not aim to be a lender for these small businesses, rather our dream is for AwanTunai to be able to facilitate banks to serve MSMEs by helping create a credit scoring method. We want to show banks that small businesses can repay their loans on time and that our business model is safe for banks to disburse their loans through us. So, our mission is to help unbanked businesses get funding and build the data infrastructure of the retail supply chain.How has the COVID-19 pandemic affected AwanTunai?On the downside, we have seen our retailer clients experience an average 30 percent decrease in revenue. Their ability to repay loans on time fell to 88 percent during the pandemic from 98 percent last year.Our clients also saw consumer behavior changes during the pandemic with more people buying staple needs and fast-moving consumer goods (FMCG), while cigarettes and higher-end FMCG brands were struggling. This resulted in an inventory buildup.However, we have also noticed that people are still cautious about going to supermarkets, so they buy their needs at warung, which are closer to home. Warung owners have also learned to adjust to customer needs, further boosting sales. Because of this, the on-time payment rate returned to 97 percent in the second quarter this year.While the amount of loans was down, we have seen app adoption increase as more retailers join the AwanTunai mobile application.AwanTunai recently received US$20 million in funding, how are you going to disburse this capital?We want to focus on serving MSMEs, which are selling staple goods and FMCG products.Initially, we focused on helping digitalize wholesalers that had Rp 5 billion in revenue or higher. From them, we have gotten contacts to small retailers, and then we help them digitalize too. This top-down scheme works well because if we try to digitalize small retailers first, it may take longer, as some of them do not understand how to use mobile apps.However, we are also seeing the potential to go upstream and target medium or large farming groups. We wanted to expand to other sectors, such as digitalizing food and beverage or garage shops too, but since the pandemic has disrupted both sectors, we decided to focus on the verticals we already have.Now there are many start-ups and fintech companies that want to digitalize MSMEs, what are your thoughts on this trend?Sometimes start-ups try to implement business models that work in the United States or India in Indonesia. For example, some start-ups want to digitalize, but also change the supply chain by distributing goods from principle directly to modern or small retailers, skipping wholesalers altogether.The way I see it, Indonesia’s retail supply chain is already perfect. Wholesalers are still the backbone of the sector because they have warehouses in strategic places, they have efficient logistics and they have buyers within 5 to 10 kilometers of their warehouses.So, I think start-ups that try to change this model, especially those that also implement unsustainable business models such as burning money and give never-ending discounts will find it quite hard to survive, especially during this pandemic. What is AwanTunai’s plan for the future?Our target for the year is to have around 200 more wholesaler partners and around 10,000 more warung clients. We want to disburse around $10 million in loans by the end of the year as well.For future plans, first, we want to be able to help banks to disburse more accessible financing to millions of warung and small farmers in the country. We are now focusing on FMCG and staple needs, but I hope that our business model can inspire banks to see that financing MSMEs is possible.We are currently working with OCBC but hopefully, we can reach out to more banks too.Secondly, we want to expand our business nationwide. AwanTunai is now available in the Greater Jakarta area and East Java and we would like to serve more people in the future.We were also informed that a similar business model is needed and has the potential to thrive in our neighboring countries such as Myanmar and Bangladesh, so, it will be interesting to cater to these markets as well.Topics : The Jakarta Post’s Eisya A. Eloksari interviewed AwanTunai’s CEO Dino Setiawan on Aug. 29 to discuss the pandemic’s effects on the retail sector and the digital future of Indonesia’s supply chain.Question: Can you tell us about AwanTunai’s story and its work surrounding financial inclusion and the digitalization of small businesses?Answer: Initially, we wanted to digitalize the supply chain for small farmers, but I do not think we were ready because of the lack of digital infrastructure and digital literacy in rural areas compared to cities.So, we decided to build the technology infrastructure in the retail supply chain sector first. We wanted to collect and analyze data on small businesses, which was practically invisible before, as warung make transactions with cash and did the bookkeeping with paper and pen.
Northern Ireland manager Michael O’Neill believes the “freak weather” that forced the abandonment of his side’s World Cup qualifier with Russia would have posed problems for any country. Press Association He added: “At the end of the day there are more modern stadia that could maybe deal with it but it’s the first time in history it has happened (to Northern Ireland), so it’s not something we haven’t managed well, or have mis-managed over time.” There have been some suggestions that the lack of pitch covers could have contributed to the state of the playing surface and that the IFA might have done more to source some. But O’Neill was in no mood to lay blame. “That’s predominantly an operations thing, I am not involved in it at all,” he said. “It’s not really a manager’s position to get into that. We certainly wanted to play on Friday and we also wanted to play today, but I’m not completely sure the Russians were so keen to play today. “Either way, the referee made a quick decision this morning and said that for the safety of the players it was unrealistic to think we could play.” Behind the scenes, negotiations will start over when to play the rearranged Russia match. No decision was possible, with the visitors heading to London ahead of Monday’s glamour friendly with Brazil at Stamford Bridge, but discussions will continue. June is an option likely to be favoured by Russia, who already have one qualifier lined up during that international window, but Northern Ireland are not thought to be in agreement. “We will now have to sit down with our counterparts from the Russian Federations and decide when we can stage the fixture,” IFA head of communications Geoff Wilson told Press Association Sport. The Group F clash was originally due to be played on Friday night, but a deluge of snow led to the contest being pushed back to Saturday afternoon. As it was Norwegian referee Tom Hagen and the FIFA match delegates decided to cancel just before 11am, having completed further inspections in the morning. O’Neill feels the extent of the bad weather would have caused headaches for bodies bigger and wealthier than the Irish Football Association, and he said: “We experienced freak weather over a short period of time, from late Thursday and early Friday – freak weather which would have been challenging for any association to get the game on.”
The campaign was launched earlier this week by Turkish-origin author and rights activist Ali Can, who dubbed it #MeTwo — a play on the #MeToo movement that highlights women’s experiences of sexual harassment, and a comment by Ozil about having “two hearts”.Ozil dropped a bombshell on Sunday when he announced in a stinging letter that he would no longer play for Germany after he faced racist abuse for posing for a picture alongside Turkish President Recep Tayyip Erdogan.“I have two hearts, one German and one Turkish,” wrote Ozil, who accused the German Football Federation (DFB) of failing to stand up for him after critics questioned his patriotism and singled him out for blame after Germany’s World Cup flop.The controversy has prompted heated debate in German media about racism and integration.“We need a #MeToo debate for people with a migrant background,” Can, who has lived in Germany since he was a toddler, said in a video posted online on Tuesday.“I am more than just one identity. I feel at home in Germany… at the same I can feel connected to another country,” he said. “The two sides blend together, one doesn’t exclude the other.”Mesut Ozil of Arsenal sits at the players bench during a match against Atletico Madrid at the International Champions Cup football match in Singapore on July 26, 2018 © AFP / Roslan RAHMANThe #MeTwo hashtag quickly went viral as thousands posted about their run-ins with prejudice and racism in Germany.“You’re well integrated for a Turk” and “Don’t you wear a headscarf?” were cited as “classic examples” of remarks endured by Twitter user Hatdische Indsche.Many also complained about discrimination from landlords in the search for a flat or house, because of their skin colour or foreign-sounding names.“When you can’t get an answer, but your German girlfriend gets instant replies to the same offer. After we got married and she changed her name, she stopped getting answers too,” wrote Twitter user Oguz Yilmaz.Malcolm Oscar Uzoma Odeh-Ohanwe, who tweets as MalcolmMusic, recounted being called “a monkey” at high school years ago when he was a dread-locked teenager.Foreign Minister Heiko Maas praised the campaign, saying it was “impressive and painful” to see how many stories were flooding in.“If you think racism in Germany is no longer a problem, I recommend reading through all the #MeTwo tweets,” he tweeted.“Let us raise our voice with them: against racism, anytime, anywhere.”0Shares0000(Visited 4 times, 1 visits today) 0Shares0000Mesut Ozil of Arsenal sits at the players bench during a match against Atletico Madrid at the International Champions Cup football match in Singapore on July 26, 2018. © AFP / Roslan RAHMANFRANKFURT, Germany, Jul 27 – Thousands of people in Germany with migrant backgrounds are sharing stories of everyday discrimination under the hashtag #MeTwo, inspired by football star Mesut Ozil’s resignation from Germany’s national team over racism.“When I’m the only-non white person in a crowded train and the police gets in, I’m the only one who is asked to show ID,” tweeted Der Spiegel reporter Hasnain Kazim, as the discussion trended on German Twitter Friday.
Essential Reading! Get my first book: The Only Sale Guide You’ll Ever Need “The USA Today bestseller by the star sales speaker and author of The Sales Blog that reveals how all salespeople can attain huge sales success through strategies backed by extensive research and experience.” Buy Now Your dream client has expressed their wishes. They’ve told you what they want to do, and it decreases the odds of your winning. The challenge is that by allowing them to control the process you massively increase the odds of losing the opportunity.You must respect your dream client and their wishes. But at the same time you also have to respect your sales process.Respect the ProcessYour sales process requires commitments.It requires that your prospect give you the commitment of their time.It likely requires a commitment to share the information that you need to help them build the right solution.It includes the commitments to bring other stakeholders, decision-makers, and decision influencers into the process.Any good process also includes gaining the commitment to resolve your prospective clients concerns as they reach the end of the buying process.Your process marches you through the stages from target to close. And, if you want to win, you must be every bit as respectful of that process as you are your prospective client’s wishes. These two ideas will come into conflict at some point in the process.This is where you need to be able to sell.Start Selling CommitmentsThe difficult challenge in selling is gaining the commitments you need when those commitments come into conflict with what your prospective client wants from you.It starts at the very beginning of your relationship. You ask for a commitment of time that your client doesn’t really want to give you. You sell the idea that you will create value in exchange for that time.Later you you are challenges with gaining information and you have to sell your prospective client on providing you the information by describing for them the value in allowing you access.You do the same thing when you gain access to additional stakeholders. You sell the reason that you need access and how both of you will benefit from that access.Selling is creating value and commitment gaining.And Be RespectfulBeing respectful of your client’s wishes doesn’t mean allowing them to take control of the sales process. It doesn’t requires that you allow them to go through the process without creating as much value for them as you possibly can—even when it isn’t easy.Being respectful especially doesn’t mean that you have to be so soft around conflict that you can’t address the requirements of your process that later help you to deliver what your dream client suggests they ultimately want.Respect your dream client. Respect their wishes. But also respect your sales process. Have enough respect for both your client and your process to negotiate the differences and do what’s right for both of you.
Rupinderpal Singh, Akshdeep Singh, Ramandeep Singh, Danish Mujtaba and VR Raghunath were on target for IndiaDespite drag-flick specialist VR Raghunath missing as many as eight penalty corners and Rupinderpal Singh sustaining a serious thigh injury, India managed a 7-0 victory over minnows Oman in the men’s hockey event at the Asian Games, here on Tuesday.For India, Rupinderpal (18th, 19th min) successfully converted two penalty corners before limping off the field after scoring the second goal. The unbelievably off-colour Raghunath (39th, 60th min) managed two goals via penalty stroke and penalty corner.Akshdeep Singh (33rd), Ramandeep Singh (54th) and Danish Mujtaba (60th) were the other scorers.The worrying factor for India will be ace drag-flicker Rupinderpal’s injury before the crucial game against arch-rivals Pakistan.After a barren first quarter, India opened the account in the 18th minute when Rupinderpal’s rasping drag-flick hit the top of the right side. In the very next minute, he was again on target but was seen in considerable pain after successful conversion. He limped off the field and didn’t come back for the rest of the 41 minutes.However, it was big-bodied Raghunath, who would like to forget this match quickly as he seemed to be on a missing spree as he spurned one drag-flick after another.There was a spell of five minutes between the 21st and 25th minute when India were successful in earning five penalty corners, but Raghunath missed all five. The last one in fact he even failed to trap.In the third quarter, Raghunath was saved from blushes when Akshdeep deflected home yet another misdirected penalty corner hit to make it 3-0 in the 33rd minute.advertisementFinally, in the 39th minute (9th minute of 3rd quarter), Raghunath found his name on the scorers’ list as he converted a penalty stroke to make it 4-0.But such has been Raghu’s performance today that he could not even manage a smile after scoring.The final quarter saw India score three more goals with two of them coming in the last minute of the match.It was ironical that Raghunath finally found the target with the 10th drag-flick and the grumpy defender left the field despite a big margin of victory.
Image Courtesy: AIDA CruisesAIDAperla, the youngest member of AIDA Cruises’ fleet, arrived at the Port of Barcelona via the Western Mediterranean in the evening hours of June 7 as part of its ‘Welcome Cruises’.During AIDAperla’s maiden season, Barcelona is, alongside Palma de Mallorca, one of the start and end ports for the ship’s seven-day cruises in the Western Mediterranean.The Rostock cruise company’s twelfth ship, delivered to AIDA Cruises in April this year, will be christened on June 30, 2017, in Palma de Mallorca.As disclosed, five AIDA ships will be docking in Barcelona a total of 61 times in 2017. Apart from AIDAperla, which will dock 31 times, Barcelona is also a travel destination for guests aboard AIDAstella, AIDAblu, AIDAsol and AIDAaura.What is more, the company – working with the relevant authorities and other partners – intends to supply AIDAperla with low-emission liquefied natural gas (LNG) while it is docked at the port.As AIDAperla’s twin ship AIDAprima has already been provided with LNG in all five ports of its Northern Europe cruises since May 2016, the newbuilding will be the second cruise ship worldwide that, thanks to a dual fuel engine, will be able to produce onboard power from LNG while docked – accounting for some 40 percent of its operating time, according to AIDA Cruises.The company said it is also discussing this issue with other Mediterranean ports.Thanks to the completion of the Carnival Group’s new cruise terminal, for the first time six ships from the AIDA fleet will be stopping at Barcelona on their cruises through the Mediterranean.The cruise corporation is investing a total of around EUR 30 million (USD 33.6 million) in the facility which has an area of some 12,500 m². It is intended for the operation of the next generation of ships that are entirely powered by LNG. The first ship of this generation, AIDAnova, is expected to be commissioned in fall 2018.
Facebook Twitter Google+LinkedInPinterestWhatsApp Facebook Twitter Google+LinkedInPinterestWhatsApp#Bahamas, September 29, 2017 – Grand Bahama – In wake of powerful hurricanes, Minister of State for Grand Bahama in the Office of the Prime Minister, Senator Kwasi Thompson says The Bahamas is learning a very painful lesson on why the economy must be diversified. Tourism alone, he said, is not enough.In opening the first Business-to-Business Expo at Pelican Bay resort on Thursday morning, Minister Thompson said that his office was mandated to focus on the economic revitalization of Grand Bahama and the Expo aligns with fulfilling that task, which he hopes will generate much needed growth within Grand Bahama’s broken economy.“The Government has a focused strategy to improve our economy here in Grand Bahama,” said Minister Thompson. “But we are painfully aware of our current state of affairs here in Grand Bahama. Therefore we must ensure that local businesses and entrepreneurs are in a position to provide the ancillary services to our anchor companies within the Industrial sector. And that’s what a forum like this Business-to-business Expo is all about.”The Minister for Grand Bahama told Expo attendees that the revitalization of Grand Bahama will require a pluralistic approach, a part of which will include focusing on some big matters – like the opening and redevelopment of the Lucayan Strip, or focusing on iconic properties like Xanadu and Royal Oasis. These, he said, are being aggressively pursued.He said it will also require improving Grand Bahama’s means of doing business, as well as actively marketing Grand Bahama as a place to do business in the technology industry. He noted that the focus will now have to be on not just tourism, but on maritime and manufacturing.“This seminar is only one component in our overall strategy,” said Minister Thompson. “So, while we want new businesses to come to Grand Bahama, we also want to ensure that businesses are able to take advantage of every opportunity that already exist here in Grand Bahama.“I want all of these anchor businesses and industrial companies to fulfill their duty, by ensuring that they indeed use the businesses that are represented in this room. If a Grand Bahama business or entrepreneur can provide the service at a reasonable price, give them the contract.“Today is not the end, but the beginning, as we shall be following up, fully expecting and demanding that wherever possible, local businesses be provided with the opportunity. This has to be a continual dialogue. This exercise must also be results driven and the results must be that more Grand Bahamians are given opportunities in Grand Bahama.”Minister Thompson pointed out that the success of the inaugural Expo had nothing to do with the number of people who showed up, but rather would depend upon how many local businesses benefit from the Expo.He challenged all of the business owners and representatives in the room that within six months there should be at least an additional five businesses that received additional opportunity as a result of what was done at the Expo.“The Government’s role is that we are committed to making it easier for businesses to do business,” Minister Thompson added. “The government is also committed to making it easier to be able to partner with international persons in order to make your business successful.“So, I encourage all of you to be innovative in your approach to doing business. The sad thing is, we in Grand Bahama can no longer expect that an opportunity is going to drop in our laps. We live on an island that demands that opportunities sometimes have to be created. So, be creative, be innovative, take initiative, adjust yourself, find a problem to solve and if you do that, you will find a new business, which you can open and be successful.“We are moving towards an era of entrepreneurship, ownership, partnership and civic engagement. As we continue to work towards making Grand Bahama the center for industry and innovation and the industrial hub it is destined to be, it is important that we embrace new ways of doing business.”By: Andrew Coakley (BIS)Photo Captions: OPENS EXPO – Minister of State for Grand Bahama in the Office of The Prime Minister, Senator Kwasi Thompson was the keynote speaker at the official opening of the first Business-to-Business Expo at Pelican Point resort on Thursday, September 28, 2017. The concept of the Business-to-Business Expo was born in the Office of the Prime Minister in Grand Bahama. (BIS Photo)ASKING A QUESTION – Senator Kwasi Thompson, Minister of State for Grand Bahama asks a question of a panel of executives from the Grand Bahama Shipyard, during question and answer period of the Business-to-Business Expo, Pelican Bay Resort on Thursday, September 28, 2017.(BIS Photo) Related Items:
December 7, 2018 A constant push and pull goes on in the world of small business and entrepreneurship: Do you set and work “business” hours, or do you personally handle anything and everything for your business, regardless of when those things happen?Some entrepreneurs are more than happy to work 100 hours a week, while others cite their need for work-life balance as absolutely critical to their business success.Related: 10 Reasons Why Good Customer Service Is Your Most Important MetricMy own position is that, regardless of how many hours I work — or anyone else works — it’s often a good idea to impose limits on outside contact. Running a small business that offers 24/7 support is just asking for pain. Virtually no task can be completed in a reasonable amount of time when you have to keep dropping everything to answer the phone.So, what to do? The typical answer is voicemail, but a voicemail is impersonal. When someone wants to call your business, he or she has a concrete reason in mind, whether it’s the need to obtain technical or customer support or to talk to your sales staff. And this is important because after-hours sales leads can be incredibly lucrative; yet the problem is, you never know how many leads you miss when a call goes to voicemail and the caller leaves no message.The best solution, I’d suggest, is to hire an answering service. An answering service can take several forms, whether it’s a call center or a freelancer operating through a virtual call center service. These options all function essentially the same way: Someone calls your business line, and when the call meets specific criteria, the answering service picks up.How an answering service benefits a businessThe first and most obvious benefit to using an answering service is to capture leads and issue information outside of normal business hours. Your customers and potential customers aren’t always able to call during the workday — many of them work 9-to-5 jobs, as well – so being able to connect with them outside of business hours is a huge boon.Answering services also allow you to more effectively distribute your time. When you’re able to offload business calls, you can use that time to work on important contracts, building assets or app development, or just spend time relaxing with your family. You don’t want to face burnout, after all. Related: Why Your Business Still Needs To Be Available On Phone In This Digital-First WorldA voicemail box or a robot call handler is simply so impersonal it can drive customers away. It can be too generic; it can be too complex to navigate; or it might be too poorly laid out for your usual use cases. Besides, a huge element of small business success is the humanity and personality of the brand involved. So, relying on impersonal robots and mailboxes means you lose that crucial element of the personal touch.Effectively using an answering serviceThere are two excellent ways to use an answering service when you are a small business or a busy entrepreneur. The first is to set business hours. Any call coming in after the close of business or before the start of the workday is then directed to the answering service, whose staffers take basic lead information, fill out a support ticket or alternately engage with a customer who would otherwise be left with a voicemail inbox.The other option is to configure your answering service to pick up if a call goes unanswered for a specified amount of enough, usually meaning a number of rings or seconds after the connection is made. This way, you can ignore a phone call during the workday if you’re in the midst of a difficult task or in a meeting; the answering service can still gather the relevant information to pass along.The key to effectively using an answering service is to configure different scripts for different contexts. An after-hours call should be answered with a flexible script that can take down information about service outages, website issues or other troubleshooting problems. The service can then record contact information for potential leads your sales team can follow up with the next day. You don’t need your answering service’s workers to be a sales team; you just need them to scoop up the potential leads you would otherwise miss. A different script for use during business hours is an easy way to tell a caller, “I’m in a meeting, but give me your number; I’ll call back in 15 minutes.”Related: 4 Simple Ways to Communicate Better With Your CustomersCustomers are going to call you outside of the 9-to-5. That’s a given. But you have several choices here. It’s up to you how you handle those calls. Enroll Now for Free 5 min read Free Workshop | August 28: Get Better Engagement and Build Trust With Customers Now Opinions expressed by Entrepreneur contributors are their own. This hands-on workshop will give you the tools to authentically connect with an increasingly skeptical online audience.