UCC HOLDS CONFAB ON MICROFINANCE IN GHANA

The University of Cape Coast College (UCC) of Humanities and Legal Studies School of Economics Department has held a Round Table discussion on the state of Microfinance in Ghana at the Florence Onny Conference Room, Ghana Technology University College (GTUC).

The discussion brought together apex  members of Ghana Microfinance Institutions Network (GHAMFIN), executives of ARB Apex Bank, Economists, Professors ,Stakeholders and other members that matter in the Microfinance Industry to witness and discuss the state of Microfinance that is key in  attaining Sustainable Development Goals (SDGs) which in the long run will promote national development.

Prof. Dora Francisca Edu-Buandoh ,Provost ,CHLS ,UCC chaired the discussion with support from the discussants and panelist ;Prof. Samuel Anim, UCC, Mrs. Catherine Avortri ,UPSA , Prof. Daniel Agyapong , Head, Department of Marketing and Supply Chain Mgt, Mr. William Kwapong, ARB Apex Bank and Mr. Yaw  Gyamfi, GHAMFIN.

Prof. Dora Francisca Edu-Buandoh expressed her gratitude to be part of the event and said “Recent happenings in the financial sector has brought a lot of hiccups in the Microfinance Sector and this event will help address it.

Provost, CHLS, UCC elaborated on the purpose of the round table discussion which is to harvest ideas on the roadmap to develop the state of Microfinance in Ghana.

The topic for discussion gave the opportunity to critically look at the rate at which public confidence is decreasing, “Public Confidence is decreasing in MFIs which has a significant effect on National Development has to be addressed”, Dr. Blankson, Vice President of GTUC said.

Prof. Samuel K. Annin, enlightened the gathering on the role of UCC in Microfinance sector. He said UCC has produced more than 150 efficient and productive Microfinance practitioners which are doing well in either their own MFIs or working in the financial sector. Prof. Annin also mentioned that there is a potential for a mission drift by the Central Bank (Bank of Ghana); thus focusing Vis a Vis on the traditional banks as against the Microfinance Industry.

According to the Executive Director of GHAMFIN Mr. Yaw Gyamfi,MFIs have low assets quality and liquidity challenges which has affected deposits; growth in deposits have declined from 25.2 % to 12.8%. He also said the major problem that is affecting MFIs is word of mouth thus if a client does not receive money from his Microfinance he/she would spread word that the MFI is collapsing.

He outlined other challenges of MFIs, their future projections, and other steps to initiate to improve the state of Microfinance in Ghana.

Panel Discussion and Open Forum continued after a brief snack break with the lead Panelist Prof. Samuel Annin. Mrs. Avortri gave an eye opener of how Microfinance operate in other countries like India and Nigeria. She threw more light on strategies they used to improve MFIs.

Mr. William Kwapong from ARB Apex Bank said the rural banks were also facing turbulence over the past years until the formation of a Regulator which ensures laws and Regulations are followed. He also said improper application is a main cause of collapse for MFIs in Ghana.

Participants asked questions to seek clarifications and also made suggestions to help improve Microfinance in the country.

The chairperson, shared her views and concluding remarks of the discussion bringing the round table discussion on the state of the Microfinance to a successful end.

 

 

 

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  36. Hello,

    This is an important public service announcement concerning our future well being. I found this information very interesting and should be read by everyone. Please take the time to look it over:

    We are approaching a future in which they will mandate us to have an RFID microchip placed in our body. This microchip will hold all our personal information, and we will lose much more of our privacy because of the tracking capabilities.

    Did you know this chip matches exactly with Biblical prophecy? Please read on!

    “He causes all, both small and great, rich and poor, free and slave, to receive a mark on their right hand or on their foreheads, and that no one may buy or sell except one who has the mark or the name of the beast, or the number of his name.

    Here is wisdom. Let him who has understanding calculate the number of the beast, for it is the number of a man: His number is 666” (Revelation 13:16-18 NKJV).

    Referring to the end times, this could only be speaking of a cashless money society, which we have yet to see, but are moving towards. Otherwise we could still buy or sell without the mark among others if physical money was still currency. This mark could not be spiritual, because the word references two different physical locations. If it was spiritual, it would just say in the forehead.

    We can see throughout the history of time how we are being conditioned through the process of convenience. More specifically with how we make payments. We went from physical money to credit and debit cards containing digital currency, to these cards having a microchip in them, to now being able to place your card near a device that will read its data. As well as self check-out lines in our market places and the cryptocurrency industry making a fast climb in such form as bitcoin. These are all stepping stones for the powers that run this world to bring about their ultimate agenda, that is to place a microchip in each and every one of us.

    RFID microchip implantable technology is on the rise and will be the future of a one world cashless money society.

    Continue reading to see how it perfectly matches up with Bible prophecy!

    From a YouTube video titled, “Warning From Man Who Designed RFID Microchip”

    Here are some notes from the video:

    “Mr. Carl Sanders attended seventeen New World Order meetings with heads-of-state officials such as Henry Kissinger and Bob Gates of the C.I.A. to discuss plans on how to bring about this one-world system. The government commissioned Mr. Sanders to design a microchip for identifying and controlling the peoples of the world-a microchip that could be placed under the skin with a hypodermic needle(a quick, convenient method that would be gradually accepted by society).

    Mr. Sanders, along with a team of engineers behind him, with US grant monies provided by tax dollars, took on this challenge and designed a chip that is powered by a lithium battery, rechargeable by the temperature changes in our skin. Without having knowledge of the Bible(Carl was not a believer at the time), these engineers spent one-and-a-half-million dollars doing research on the best and most convenient place to have the microchip inserted.

    Guess what? These researchers found that the forehead and the back of the hand(the two locations Revelation says the mark will go) are not just the most convenient places, but are also the only viable places for rapid, consistent temperature changes in the skin to recharge the lithium battery. The RFID microchip is around seven millimeters in length, .75 millimeters in diameter, about the size of a grain of rice. It is capable of storing pages of information about you. All your general history, work history, crime record, health history, and financial data can be stored on this microchip.

    Mr. Sanders believes that this microchip, which he regretfully helped design, is the “mark” spoken about in Revelation 13:16-18. The original Greek word for “mark” is “charagma,” which means a “scratch or etching.” It is also interesting to note that the number 666 is actually a word in the original Greek. The word is “chi xi stigma,” with the last part, “stigma,” also meaning “to stick or prick.”

    Carl Sanders spoke with a doctor asking what would happen if the lithium contained within the RFID chip leaked into the body. The doctor responded by saying a terrible sore would appear in that location. This is what the book of Revelation has to say: “And the first(Angel) went, and poured out his vial on the earth; and there fell a noisome and grievous sore on the men which had the mark of the beast, and on them which worshipped his image” (Revelation 16:2).

    WHAT IS THE NAME OF THE BEAST, THE NUMBER OF ITS NAME? THE MYSTERY OF THE NUMBER 666 REVEALED?

    What I first want to mention, before I share my thoughts on the number of the beast, is that God confirms in threes. We can see this throughout scripture: “For there are three that bear witness in heaven: the Father, the Word, and the Holy Spirit; and these three are one” (1 John 5:7 NKJV). “and that He was buried, and that He rose again the third day according to the Scriptures” (1 Corinthians 15:4 NKJV). “…Holy, holy, holy, Lord God Almighty, Who was and is and is to come!” (Revelation 4:8 NKJV). There are many more examples, but I thought I would just share three of them to make the point.

    Examining Revelation 13:16-18, the first group of three I would like to bring to attention is that the mark of the beast is detailed in three separate verses, 16, 17 and 18. The next three I see is in verse 16, “He causes all…” is followed by three contrasting categories of people, “both small and great, rich and poor, free and slave…”. Then unto verse 17, it opens with, “and that no one may buy or sell except one who has…”, followed by three explanations of what one must have to buy or sell, “…the mark or the name of the beast, or the number of his name”. Now in verse 18, we read “Let him who has understanding calculate…”, which is followed by, “the number of the beast, for it is the number of a man: His number is 666”. The last three I see is the number 6 being used three times in a row. The reason I’m making this point is because of the number 666, as you will read below.

    “17: even that not any could buy or sell, except the one having the mark, or the name of the beast, or the number of its name” (Literal Greek Translation).

    Here we can see the mark being identified as having the name of the beast, and that name being identified as being a number. We can conclude that these attributes being shown in verse 17 are all in one thing because the Bible warns of us about receiving the mark, singular. It is clear in verse 17 that we cannot buy or sell without the mark(being previously identified as a microchip), but why cant we buy or sell without the name of the beast, or the number of its name? What does that have to do with us buying or selling if the number of the beast only applies to identifying the Antichrist, as the common thought has been? So we need the number of the beast to buy or sell. What does this mean?

    “here the wisdom is, the one having the mind let him calculate the number of the wild beast, number for of human it is, and the number of it 666” (Revelation 13:8 Greek Translation).

    “Here is wisdom. Let him that has understanding count the number of the beast: for the number of man; and its number is six hundred sixty-six” (Jubilee Bible 2000 translation).

    “In this situation wisdom is needed. Let the person who has insight figure out the number of the beast, because it is a human number. The beast’s number is 666” (GOD’S WORD translation).

    The Greek word “anthrōpos” being used in verse 18 where it says “of human” is the Greek strongs concordance G444. The first two definitions of the word are “a human being, whether male or female”, and, “generically, to include all human individuals”. Could the number of the beast apply to all mankind? In the Greek, and other translations, you will notice the beast is described as an “it”, instead of “him”. The reason I’m making this point is because when a translation says “His number is 666”, this would imply a singular person, the Antichrist. But by saying “the number of it 666”, implies that it is of the beast system as a whole.

    Throughout the years there have been people trying to calculate numbers based on titles and names that come up to the number 666 to identify one person. But from verse 18, I do not see where God is instructing us to count up to 666, but rather to count the number of the beast. This number is revealed as 666. So the verse is telling us to count the number 666.

    What does it mean to count? It means to add up. So how could we add up 666? Remember my previous point about God confirming in threes. So logically, what would be the best way to count the number 666? To count it equally in threes based off the number. We cannot count it equally as 600+60+6, this would also bring us back to the start. We cannot count it as 600+600+600, or 60+60+60, because there are no zeroes in between or at the end of 666. The only option is 6+6+6=18. What is interesting is that the verse that reveals for us to count the number itself is verse 18, being the third verse out of three verses that describe the mark of the beast. What is 18 divided by 3? 6. So 3×6=18, or 6+6+6=18.

    Another interesting point is the only two other combinations(making a total of three possible combinations) for placing a “+” symbol in between the 6’s are 66+6=72, and 6+66=72. Adding 7+2 and 7+2 equals 18. Add both 72’s together and you get 144. Why the number 144 is interesting is because the verse following Revelation 13:18 is the first time in the Bible where the 144,000 are being described in detail: “Then I looked, and behold, a Lamb standing on Mount Zion, and with Him one hundred and forty-four thousand, having His Father’s name written on their foreheads…” (Revelation 14:1).

    Now if you add up all three numbers by counting 666 by moving the “+” symbol around, it would be 72+72+18=162. What is interesting about the number 162, is, if you divide 144,000 by 162, you get 888. The name of Jesus in Greek gematria adds up to 888. Revelation 14:1 not only mentions the 144,000, but also the Lamb who is Jesus.

    Applying the same format that I used with calculating the number 666, in which I got the numbers 144 and 162, they also bring interesting results bringing us to the number 18:

    – 14+4=18*

    – 16+2=18*

    – 1+4+4=(9), 1+6+2=(9), (9+9)=18*

    – 1+44=(45), 1+62=(63), (4+5)=9, (6+3)=9, 9+9=18* | (45+63)=108, 10+8=18*

    – 14+4=(18), 1+44=(45), (1+8)=9, (4+5)=9, 9+9=18* | (18+45)=[63] | 16+2=(18), 1+62=(63), (1+8)=9, (6+3)=9, 9+9=18* | (18+63)=[81] | [6+3]=9, [8+1]=9, 9+9=18* | [63+81]=144

    – 1+4+4=(9), 14+4=(18), 1+44=(45), (9+18+45)=[72] (any two combinations of (9, 18, 45, and 72 will add to 18*) | 1+6+2=(9), 16+2=(18), 1+62=(63), 9+18+63=[90] (any two combinations of (9, 18, 63, and 90 will get you 18*) | [7+2]=9, [9+0]=9, 9+9=18* | [72+90]=162

    Now what is interesting about the number for Jesus, 888, is that if you apply this same formula, you get 8+8+8=24. Why the number 24? Revelation chapter 4 tells us there are 24 elders seated around the throne of God. This is the same throne where Jesus sits.

    Now if you take 8+8+8=24, and 8+88=96, and 88+8=96, you get 24+96+96=216. Take 144,000 divided by 216 and you get 666. Remember that this was the same exact formula to get the number 162 out of counting 666 that brought about the number 888 when dividing 144,000 by 162. It is perpetual.

    With using the same formula of counting by adding the “+” symbol in between the numbers, why do all these numbers relate in such a way?

    Another interesting point to note is that if you add up all the numbers from 1 to 36, it totals 666. The number 36, as in three sixes? Could this be a hint that we should add up three sixes instead of perceiving the number as six-hundred sixty six?

    So what could this mean? We know in this world we are identified by numbers in various forms. From our birth certificate to social security, as well as our drivers license, being identified based on a system of rulership. So it is probable that this RFID microchip will contain a new identification that has a total of 18 characters. Could this be the name of the beast, the number of its name? The beast system that is identified by 18 characters? This would fit with scripture that speaks of a mark that we need to buy or sell in our right hand or forehead, and that it also contains the number of the beast, during a future cashless money society.

    Revelation 13:11-15 tells us that a false prophet will rise up deceiving many to take the mark because of the miracles he does before those dwelling on Earth. At all costs do not take it!

    “Then a third angel followed them, saying with a loud voice, “If anyone worships the beast and his image, and receives his mark on his forehead or on his hand, he himself shall also drink of the wine of the wrath of God, which is poured out full strength into the cup of His indignation. He shall be tormented with fire and brimstone in the presence of the holy angels and in the presence of the Lamb. And the smoke of their torment ascends forever and ever; and they have no rest day or night, who worship the beast and his image, and whoever receives the mark of his name” (Revelation 14:9-11).

    Did you hear about the lady from a major media outlet who reported a major event occurring approximately 20 minutes before it actually happened?

    It’s time we are told.

    A reporter from BBC reported the collapse of World Trade Center 7 on September 11th 2001 approximately 20 minutes before it fell!

    Remember, WTC 7 did not get hit by anything, so there would be no reason to assume it would collapse. But she didn’t report on assumption, but that it already did collapse!

    What could this mean? The only logical explanation is that the power that orchestrated 9/11 is the same power that controls the major media outlets!

    Don’t believe me? Watch the broadcast yourself uploaded on YouTube titled: “BBC Reports 911, WTC 7 Collapse BEFORE it Happens”

    It gets even worse…

    Did you know there is other footage they don’t want us to see twice? I’m speaking of footage on the day of September 11th 2001 during the time the planes hit both Trade Towers. Eye witness reports say the following concerning the planes:

    – “No, it wasn’t a commercial airliner”
    – “…but it didn’t have any markings on it that I saw”
    – “no emblems, no logos”
    – “It definitely did not look like a commercial plane”
    – “I did not see any windows on the sides”
    – “It was a black plane, it looked like a fighter jet”
    – “It was black, it looks like a military plane”
    – “It was a military plane”

    This video also shares testimonies from firefighters who share their story being in the trade towers as bombs were exploding(to weaken the structure of the buildings to cause the free fall collapse).

    As a terrorist, how could you smuggle bombs into the trade towers with all of its security systems which includes bomb sniffing dogs? Also, if terrorists did plant the bombs, then why weren’t we told about the bombs?!

    You can watch a video of this on YouTube by titled: “9/11 – THE FOOTAGE THEY DIDN’T LET YOU SEE TWICE (9/11 2001 Documentary)”

    What about the attack on the Pentagon? Was it really a plane that hit it, or something else, maybe a missle?

    Why did the FBI go around and confiscate camera footage from the surrounding buildings not releasing them to the public when they clearly showed us the planes that hit the world trade towers?

    Why was the only footage presented to the public from one of the most heavily guarded buildings in the world low quality footage showing only five frames at about one frame per second?

    The U.S. Secretary of Defense Donald Rumsfeld admitted the day before the attack that the Pentagon was missing 2.3 trillion dollars. Could this attack on the Pentagon have anything to do with covering up that information?

    So where is this all leading to? What is the purpose of this major event that occurred on 9/11? Why did we go to war with Afghanistan and Iraq?

    David Rockefeller is quoted to be saying:

    “Some even believe we are part of a secret cabal working against the best interests of the United States, characterizing my family and me as ‘internationalists’ and of conspiring with others around the world to build a more integrated global political and economic structure–one world, if you will. If that’s the charge, I stand guilty, and I am proud of it.” – David Rockefeller, Memoirs

    Another video to watch is an infamous interview done with movie producer Aaron Russo titled, “Aaron Russo RFID Human Implant Chip”

    Aaron Russo produced such movies as Mad as Hell, Trading Places, and America: Freedom to Fascism. He gained the attention of a man named Nick Rockefeller who saw the movie Made as Hell and knew Aaron was running for governor of Nevada. Knowing the impact Aaron was having on society, who being a freedom fighter standing for the constitution of the United States, Nick sought to befriend him to subtly recruit him into his secret society.

    Aaron shares what Nick had told him:

    “He’s the one who told me 11 months before 9/11 ever happened that there was going to be an event. He never told me what the event was going to be…and out of that event we were going to invade Afghanistan to run pipelines from the Caspian Sea. We are going to invade Iraq to take over the oil fields to establish a base in the middle east, and make it all part of the New World Order…”

    “I remember he was telling me how he was going to see soldiers looking in caves for people in Afghanistan and Pakistan and all these places. And there was going to be this war on terror, where this is no real enemy, and the whole thing is a giant hoax. But it is a way for the government to take over the American people…”

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