![]() ![]() Gambian language literacy expert with over 30 years of experience, including adult and children Gambian language literacy course design, bespoke material development (e.g. Kitabu Jabang – Chair of the Organisation for Training and Production of Literacy Materials/OTPLM (Gambia). Developer of the Multilingual Education in The Gambia platform. Four-day materials development workshop with five teachers co-designed and co-delivered by three collaborators with relevant expertise / 21-24 March 2022ĭr Clyde Ancarno – Lecturer in Linguistics at King’s College London (UK) whose research focusses on multilingualism and multilingual education in The Gambia. Multilingual teaching resources: primary schools in The Gambia has three core components: I. multilingual posters) and in leading a one-day train the trainer event which took place after the workshop. The five teachers involved in this bespoke workshop received support in developing their own multilingual teaching aids (e.g. Multilingual teaching resources: primary schools in The Gambia project (December 2021-August 2022) is centered around a one-week workshop with five teachers which took place in The Gambia (21-25 March). ![]() ![]() The results on a broad base are not inconsistent with the past findings made elsewhere.– Pictures and more coming soon! Project description As exchange rate decreases interest rate increases but on the other hand exchange rate has a direct relationship with inflation. Finally the relationship between exchange rates and interest rate is inverse. My findings also proved that volume of FX sales increases profitability while purchases decrease profitability but sale of FX increases profitability by a much greater proportion than the losses due to purchase. Increases in transaction volumes of FX are negatively correlated to profitability of banks and the banking industry, suggesting that as total volume of FX transactions increase profitability of banks decreases. It should however, be noted that, good data relating to Growth of the foreign exchange markets and impact on profitability of banks was not easily available. Related literature on Gambian FX market was hard to come by as a basis for comparison, thus literature from other countries has been used as basis for comparison. A total of 30 observations were made over a period of seven and a half years. I have already been reliably informed that the foreign exchange income constitutes a considerable proportion of the yearly non-interest income of banks. This was because the Central bank data (Balance Sheets) made available to me for the period under study could only show income of banking industry in the form of either interest or non-interest income. It uses non-interest income made by banks from January 2005 to June 2012 although the initial intention was to collect data from 2007 to June 2012 assessing the periods by quarters. This study provides empirical evidence on the relationship between the growth of the foreign exchange market and the profitability of Gambian commercial banking industry. ![]()
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