DENSA International

20/06/2017

INVESTOR/ENTREPRENEUR OPPORTUNITY TO ACCESS
THE AFRICAN GROWING ECONOMIES FOR BUSINESS
Today in order for your business to gradually grow through
partnerships and Investment in the growing economies in
Africa you need the best Agency or Partner with
experience, connections to the target market, groups,
industry and Social/political networks.
Are you an Entrepreneur in Africa looking for an investor or
partner globally? Or Are you an Investor looking for
business opportunities in Africa?
Are you an investor, Entrepreneur or business manager
looking for the best way possible to expand the market
for your goods and services?
Are you an investor looking for a consistent return on
investment?
Are you targeting the partnerships with African
governments to work mutually together to utilize the
Natural resources like Oil & Gas plus other Minerals?
If you got any answer "YES" then you need to contact
Densa consults
WhatsApp: +233243949790
Facebook: Densa International

Email:[email protected]
Yours in Service, Densa Consults

14/06/2017

ENTREP: A lot of people have ideas, but there are few who do something about them now, not tomorrow, but today. The true entrepreneur is a doer, not a dreamer.

23/05/2017

ENTREP: Surround yourself with great mentors. They help when you reach a plateau in your business cycle and can shape years off your business development

21/04/2017

Are you an investor willing to invest in Ghana? Are you a business person with a good proposal? our doors are opened to you to help you meet the right people and help you accomplish your task.
There are available opportunities at the various ministries accepting proposal for the one district one factory and one district one one warehouse and also one village one dam...call us on 0202424006 for a business meeting

15/02/2017

The secret of getting ahead is getting started. The secret of getting started is breaking your complex overwhelming tasks into small manageable tasks.

07/08/2016

http://central.edu.gh/index.php/2013-02-19-22-02-46/latest-news/430-central-university-commemorates-charter-with-thanksgiving-ceremony.html

Central University welcomes you to a place where effective transformational leaders are trained to serve as positive influence on society.

04/08/2016

GN RECRUITMENT!!

Groupe Ndoum is recruiting bankers and broadcasters for GN Bank and GN media (First Digital)

LOCATIONS : Kumasi, Tamale, Wa, Bolga, Sunyani.

DATES:
Wa 3rd -6th Aug, 2016
Bolga 8th-10th Aug 2016
Tamale 11-16th Aug 2016
Sunyani 16-18th Aug 2016
19th Aug : Orientation for all successful candidates

Interested applicants should drop their cover letters and CVs at the bank (interested locations) for short listing.
The recruitment process entails the writing of an aptitude test and an oral interview.
PLEASE SHARE AND SPREAD THE GOOD NEWS TO SOMEONE

31/07/2016

INVESTMENT OPPORTUNITIES IN GHANA

Investment is putting money into something with the expectation of a gain. Or in simple terms “the use of money with the hope of getting more money”

The Bible supports investment Matthew 25:14- 30 (Parable of the Three Servants)
First servant given 5 talents, Second servant given 2 talents third Servant given 1 talent
The government also supports Investment – Legislation on compulsory contribution by workers towards pension - SSNIT
Advantages of Investment/Why should we invest
1. Saving money for a future need
2. Making your money work for you. i.e. earn an interest. E.g. A fixed deposit customer who earns interest of about 50,000 a month. (Time value of money)
3. Can provide a needed startup capital for a business. (“Little drops of water make a mighty ocean”. For example if you need GHS 1000 to start a business, you can save GHS 100 a month and within 10 months you will raise the capital.
4. To meet unexpected expenditure in life “Family security”
Why we are unable to save and invest
1. Lack of planning/budgeting
2. Peer pressure/lifestyle – want to follow our peers
3. Impulse buying
4. Poor healthy living which will swell our budget on health.
5. Societal perception/expectations
6. Lack of funds due to overspending
7. Lack of trust for strangers handling their money.
8. Lack of knowledge on investment
Types of Financial Investment Instruments
• Savings Account
• Fixed Deposit Account
• Government Papers – Treasury Bills
• Shares/Stocks/Bonds
• Mutual funds
SAVINGS ACCOUNT
- Risk free
- Interest in variable – the higher the amount, the higher the interest
- Flexible – can have access to the funds at anytime
- Interest currently ranges between 2 -10% per annum depending on the amount and the institution.
- Can start with a relatively small amount e.g. GHS 10
FIXED DEPOSIT ACCOUNT
- Risk free
- Certain Returns - Fixed interest rate
- Fixed maturity period
- A relatively higher interest rate than a savings account
- Principal and interest can be rolled over upon maturity
- Types – 30 days, 60 days, 91 days, 182 days and 1 year.
- Interest currently ranges between 11– 18% per annum depending on the amount and the period. However interest can be negotiated for higher amounts.
- Can be easily discounted. However there is a fee for early redemption.
There are other similar deposit products which makes it possible for investors to top up on monthly basis.
TREASURY BILLS
- Risk free
- Issued by the Government
- Certain Returns - Fixed interest rate
- Fixed maturity period
- You can start with as low as GHS 50
- Types – interest rate for the week ending 7th March 2014
91 days T-Bill - 21.23%
182 days T-Bill – 20.99
Treasury bills can be bought at cost or face value.
SHARES/STOCKS
- They are investment in Companies
- Buying it means you are part of the owners of the company
- Uncertain returns – quite risky
- Traded on the Ghana Stock Exchange
- Earn dividends
- Value appreciates/depreciates
- You need an expert(broker) to advise you on the type of company to invest in
- You have to monitor the performance of your shares on the stock market
Best Returns on the Ghana Stock Exchange – Year to date 2013
Name Year to date interest
PZ Cussons 338.89%
Enterprise Group Ltd 291.67%
Cal Bank 155.26%
Mechanical Llyod Co. Ltd 153.33%
Guinness Ghana Breweries 136.64%
Benso Oil Plantation 129.29%
BONDS
- Long term instrument
- Has a fixed interest rates
- Considered as a lender to the organization whiles you are considered as an owner with shares
- Lower risk than shares – when there is bankruptcy, debts are paid before equity
Rate for Government bond at at today.
- 1 year note - 17%
- 2 year fixed rate - 17.5%
MUTUAL FUNDS
- Professionally managed type of collective investment scheme
- Diversification
- Liquidity
- Pools money from many investors and invests typically in securities, such as stocks, bonds, short-term money market instruments etc.
- Returns are uncertain – quite risk
- Can start with relatively smaller amounts e.g. GHS 10
Example of Mutual Funds in Ghana and their returns
Name Returns –Year to date
Epack 18.19%
Mfund 21.61%
Gold fund 7.82%
SAS Fortune fund 7.83%
NTHC Horizon Fund 22.48%
HFC Equity fund 6.17%
HFC Unit Trust
Stanbic IncomeFund
20.67%
Other Business Venture –An emerging business opportunity
1. Leasing (Operating lease and Finance Lease)
Emerging business opportunity. Talk more about finance lease – Car work and pay methodology.
- Transfer the risk (Comprehensive insurance) to very reputable insurance companies who pays claims promptly like MET, Vanguard etc.

31/07/2016

To Save or to Invest? By Maureen Addo
Recently there has been a lot of talk on savings and investments. Ghanaians in both the urban and rural areas are being introduced to money making methods, learning more about savings and investments, and choosing what works for them best.
Twenty-four-year-old Samuel Okanta, a Voltic water distributor in his years as a ‘washer man’, knew about savings. From his monthly salary of GHC 15, he saved GHC 10 with a woman he knew. After five months, Okanta met a man who persuaded him it was better to invest than to save.
According to Daniel Ogbarmey Tetteh, Executive Director of Databank Asset Management Services Ltd, savings are not the same as investments.
“Savings is good but it is not a sufficient condition to create wealth. Putting your savings to work for you is what investment is all about,” Ogbarmey Tetteh explained.
Since September 2004 when he was told about the investment instrument Epack, a product of Databank, Okanta has been making money out of his savings. Databank instruments such as Epack can make returns of 10% per year. Others like Mfund can yield even more, the reason Okanta changed his Epack investment into Mfund, which is also managed by Databank.
Epack has had good years and bad years. While investors in Epack can get good returns on their investments, the percentage depends on how good the Ghana Stock Exchange performs.
Okanta was at Databank recently to change his Epack account to Mfund, because according to him, the Mfund is yielding better results than the Epack.
He is one of over 120,000 Ghanaians who have embraced the culture of savings and investments. When an individual opens a savings account in a bank, all that the person is doing is keeping it and earning a small amount on it as profit compared to allowing the money to work to earn more. That is what, according to the experts, investments instruments do – they put money to work.
There are various investment instruments that have surfaced over the years in Ghana such as Epack and Mfund of Databank, iFund of Ecobank Development Corporation (EDC), the End of Service Benefit of GLICO, Repurchase Contract of Fidelity bank, and many more.
Treasury bills and fixed deposits (FDRS) are investment instruments that can be found in almost all banks. These companies are frequently advertising their products; it seems however that, advertising is not enough to create awareness.
Investor education is important to combat ignorance. Apart from word of mouth, Ghanaians like Okanta are learning more and understanding the risks and the essence of having money work for them.
Databank for example has started an investor education forum called Universal Economic School. This program has set up about 50 clubs around the country with a minimum of about 200 students as members for each club. Here, students are educated on savings and investments. Through this platform, students more than any other group of people have developed the habit of saving and investing. Students make up about 26 percent of Databank’s 120, 000 investors.
According to Ogbarmey Tetteh, “…invest small amounts, as small as GHC 1. Regular investment is better than the best time”, that is to say that it is better to invest now than wait for the time you think is best to invest because some instrument is reaping high returns.
Tips on Investing
Before you decide to invest, take some time to read through these tips to aid your decision.
Why do you want to invest?
The 3 basic things you need to know:
What are your objectives?
How much risk can you take?
How much time do you have?
Understand the principle if investment i.e. letting your money work for you.
Then consult your investment expert.
Remember that regular investment is better than best time.
Understand the possibility of losing your capital as you gain on your capital that is the risk.
The higher the risk the higher the return.
Pay the price and you get the value, value is not the same as the price. The price of an item doesn’t change the value of that item.
Invest regularly.
Invest small amounts.
Remember that there is no best time for savings or investments, no matter how small your wages or salary may be, invest an amount, no matter how small.

30/07/2016

2018 FIFA World Cup Russia Volunteer Programme (Become a Volunteer for the 2018 FIFA World Cup in Russia)
What kind of person should be a
World Cup 2018 volunteer?
He or she is a cheerful, dynamic person, living a healthy lifestyle, proficient in foreign languages, and with a wide range of professional skills.
He or she is a person who is willing to work hard and communicate with others.
Not so long ago the volunteer culture was not developed in Russia. But in the past few years, thanks to a series of major international events, Russia has grown aware of what volunteers do and why their work is important.
Russia is now gearing up to host its first-ever football World Cup, which is impossible to organize without the help of volunteers. To take part in the World Cup as a volunteer means to be part of a global highlight, to get a chance to represent Russia and tell the world about it. Whether our World Cup is a success, to a great extent, depends on the volunteers.
The 2018 FIFA World Cup Russia Volunteer Programme presents thousands of people from Russia and other countries with the unique opportunity to be part of the biggest single sporting event in the world and the FIFA Confederations Cup 2017. There are several stages of the programme, including recruiting, selecting and training the volunteers in all 11 Host Cities, and finally organising their work during the event and appreciating their effort and dedication.
In total, there will be around 5,500 volunteers involved in the FIFA Confederations Cup 2017 and 15,000 in the 2018 FIFA World Cup. Dedicated centres located at leading Russian educational institutions will be responsible for recruiting and selecting applicants living in Russia. International candidates will apply and go through the selection process from their respective home countries with online support.
Requirements:
Everyone is eligible to apply as long as they satisfy the following minimum requirements:
Be 18 years or older on the 10th of May 2017 for the 2017 FIFA Confederations Cup and/or on the 10th of May 2018 for the 2018 FIFA World Cup;
Agree to the terms and conditions of participation;
Undertake and successfully complete a security check;
Be available to work up to eight hours each day.
Benefits of Volunteering
Unique Volunteer Uniform
Free Meals during Shifts
Souvenirs
Free Use of Public Transport
Priceless Experience
New Friends
A chance to take Special Training
Participant Certificate
Functional Areas:
There will be 20 key functional areas. Specify your preference in the application form. Don’t worry if you cannot make a choice at this time, you can make it during selection process.
Spectator Services
Marketing
Catering
Arrivals and Departures
Protocol
Broadcasting Operations
Volunteer Management
Accommodation
Ticketing
Medical Services and Doping Control
Information Technologies
Accreditation
Transport
Sustainability
Ceremonies
Media Operations
Venue Management
Language Services
Hospitality
Team Services
More Information on Volunteering Roles
How to Become a Volunteer
Fill out Online Application at FIFA.com
Online Testing and Interview
Find Out if you’ve passed the selection
Participate in the Training
Receive Your Accreditation and Uniform
Become part of the football highlight of the year 2018!Apply Now for the 2018 FIFA World Cup Russia Volunteer Programme

For More Information:
follow the link
www.fifa.com/worldcup/organisation/volunteers/

30/07/2016

The Global Leaders Fellowship 2017- George Washington University, USA

Deadline: February 5, 2017

George Washington University invites applications for the 2017 . The Global Leaders Fellowship is for incoming graduate students (master’s and doctoral) at the George Washington University who will return to their countries of origin to apply skills learned through their formal education at the GWU. The fellowship is intended for GW graduate students who will be future leaders in their fields in their home countries.

Eligibility
This fellowship is for students who have not studied or worked in the U.S. or other countries aside from their home country.
Current GW graduate students are not eligible for this fellowship.
Students holding or intending to apply for an F-1 visa (J-1 visa is eligible for Fulbright applicants only. Note that other visa types are not eligible.) and who are from the following countries or regions (chosen based on protocol arrangements and areas of the world underrepresented at GW) are eligible to apply.
China (PRC)
Cambodia
Eastern Europe
Laos
Latin America
The Caribbean
Mongolia
Sub-Saharan Africa
U.S.S.R. Successor States
Vietnam
Graduate students (master’s and doctoral) from Foggy Bottom on campus programs in the following schools are eligible:
College of Professional Studies
Columbian College of Arts and Sciences
Elliott School of International Affairs
Graduate School of Education and Human Development
School of Business (Executive Education program is not eligible)
School of Engineering and Applied Science

Award
Three Global Leaders Fellowships, which will cover up to 18 credit hours will be awarded for 2017-18.
The grantee is to provide funds from other sources for books, living, and other expenses, and must provide certification of this support.

A Fellowship is renewable each year for a cumulative maximum of three years for Master’s candidates and up to five years for doctoral candidates. A grantee must submit renewal materials for the Fellowship each year; renewal is contingent upon the grantee’s grades (GPA of 3.0 or better). The Fellowship is valid for one degree only. Fellowships apply to the fall and spring semesters. Awards for the summer sessions are by petition only and subject to available funding.

How to Apply
Click on the link provided for more information.https://my.gwu.edu/mod/fellowships/login.cfm

29/07/2016

8 EFFECTIVE MANAGEMENT TIPS

Effective management is an important part of any business. When people are put in a position to manage others it is usually reflective of their performance, work ethic and acumen for leading and helping others both directly and indirectly.
The first time you become a manager, it can be both a positive and overwhelming experience. Management is not easy, as it requires many skills including areas that generally get better with experience like communication, coaching, motivating and listening.
But everyone needs to start somewhere and there some important steps that can make the transition a bit smoother. To help first-time managers start strong and thrive as their responsibilities grow, here are eight tips to keep in mind on day one.

1. Understand the business
You need to be prepared to address questions from your direct reports that take into account the broader landscape of the company. From strategy to culture and HR issues, you need to know what is happening across the business, so you can make informed decisions while confidently providing direction.
How do you do this? Spend time with senior leaders and ask questions. Why is the strategy what it is? Why have certain decisions been made? What can your team do to support other parts of the business? The more you know, the more you can help your team focus.
2. Prioritize your one-on-one check-ins
Individual time with your direct reports is critical towards their success and overall career development. It is during this time that you need to keep an honest watch on priorities, metrics, and any questions that might be on their mind.
How do you do this? Set up the one-on-ones, so they happen at a regular and predictable cadence. Block the time on your calendar and do your best to respect this time.
3. Stay in the trenches
It’s likely that you were asked to be a manager, because you were great at doing whatever your discipline demanded. You worked hard and achieved a certain level of success as a result. Now that you are a manager it doesn’t mean that you don’t have to do the “dirty work” that helped you succeed in the first place. It is an endearing quality that your direct reports will respect when you are willing to do any job at any time to help them move forward.
How do you do this? Keep an eye on things day to day and when there is an opportunity to jump in and help, grab the opportunity and run with it. At the end of the day the success of the business is what matters and a culture where anyone -- including you -- is willing to do whatever it takes to accomplish things is a culture that will thrive and endure.
Related: 10 Ways to Have Better Check-Ins With Your Employees
4. YOU are the example
Through the good times and bad, who are people going to look to when they need inspiration or an example for how to act? The answer is simple: you. You are now the example that others need to follow. The values you demonstrate, the way you handle adversity and ambiguity and the way you persevere through the biggest challenges, is now considered the measuring stick for how others will act and behave.
How do you do this? You are going to need to be very mindful of your emotions and how you react in certain situations. You are going to need to slow down, be patient and develop an informed perspective, so you can lead in a way that people will admire and model.
5. Understand the importance of delegation
You are going to find early on that you want to be involved in everything your team is working on. The challenge here is that you cannot be everywhere at once. You need to create an environment where you are actively relying on others to help carry projects. You will still be informed, but you need to let others lead so they can grow their abilities and perspective. Over the years whether it was my time at Microsoft or Porch, some of the best managers I have seen are the ones who have mastered the art of effective delegation.
How do you do this? When you need someone to step up and lead on your behalf, be clear on your expectations but also stress to them how important the opportunity is for them personally. When they know how important their role is they will feel even greater ownership towards ensuring an optimal outcome and their contributions will feel even more valuable.
6. Find a mentor
One of the first steps you should take is to find a mentor that you can go to when you have questions or need support. Find someone who has excelled at being the type of manager you want to be; ideally someone who has experience handling a diverse set of situations, so you can understand first hand the pros and cons for handling certain situations certain ways.
How do you do this? Look across your company or outside your company (perhaps someone you worked with in a previous job) and approach them and see if they would be willing to help out.
7. Be consistent
If you constantly flip-flop on decisions or how you make decisions, your team will start to lose trust in your ability to strategically lead. They will question if you are making informed judgments, leading with emotion or worse – you are unprepared to handle your new responsibility.
How do you do this? To be a consistent leader you need to be a patient leader. Take your time. Don’t respond to emails with irrational feedback. Don’t make a decision in the moment just because people are pushing you to do so. Find outlets that allow you to think through things. Go for a walk. Write up emails and step away before you send them. This can be very hard for people at every level but sometimes the best thing you can do is just slow.

8. Know that relationships have changed
Often first-time managers find themselves managing people that were once their peers or people they have created a personal relationship with. When you become their manager the relationship changes, and you need to be transparent about that. You are now their boss and you will need to wear that hat when you are in the office. You can never allow yourself to have personal relationships cloud business decisions.
How do you do this? You need to set clear ground rules and have the conversation upfront that things have changed. I have found that the best way to do this is to add additional 1:1s to address in real time any situations that may feel awkward. You need to be transparent (as do others) and if things feel weird, talk about it so you can collaborate on a solution.