#Ivory coast Translation services

[languagexs]

Exploring the Krahn Language: A Dive into Western Krahn Culture and Linguistics

The Krahn language or Western Krahn, is a fascinating dialect spoken by nearly 300,000 people. The Krahn are an ethnic group native to Liberia and parts of neighboring Ivory Coast in West Africa. This blog post aims to provide valuable insights into the lives, culture, and experiences of the Krahn community through the lens of their language.

[africantranslationsolutions]

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[pope-francis-quotes]

18th April >> (@ZenitEnglish By Deborah Castellano Lubov) #PopeFrancis #Pope Francis This #HolyThursday, #Pope Washes Feet of 12 Detainees at Velletri Correctional Facility, Reminding Them We All Must Humbly Serve Others. Marks 5th Time Francis Celebrates Holy Thursday With Prisoners (Full Off-The-Cuff Homily Included).

This Holy Thursday, Pope Washes Feet of 12 Detainees at Velletri Correctional Facility, Reminding Them We All Must Humbly Serve Others

Marks 5th Time Francis Celebrates Holy Thursday With Prisoners

Pope Francis has visited the Velletri Correctional Facility, presiding, as is tradition, over the celebration of the Mass in Coena Domini with the Rite of the washing of the feet, beginning the Paschal Triduum.

After delivering an off-the-cuff homily, in which he stressed that everyone–no one excluded–must serve others, the Holy Father washed the feet of 12 detainees, including nine Italians, one Brazilian, one from the Ivory Coast and one from Morocco.

“All of us must also be servants,” he said in the homily. “It’s true that in life there are problems: we quarrel among ourselves . . . however, this must be something that passes, a passing thing, because in our heart there must always be this love of service of the other; to be at the service of the other.”

Fraternity, Francis underscored, is humble, “always.”

With this spirit, he pointed out, he will perform this gesture of the Washing of the Feet.

“The Church,” he said, “wants the Bishop to do it every year, once a year, at least on Holy Thursday — to imitate Jesus’ gesture and also to do good with the example also for himself, because the Bishop isn’t the most important, but he must be the greater servant. And each one of us must be servant…”

“This is Jesus’ rule and the rule of the Gospel: the rule of service, not of dominating, of harming, of humiliating others. Service!”

The Roman Pontiff was welcomed by the facility’s director, Maria Donata Iannantuono; the Vice-director, Pia Palmeri; the commandant of the penitentiary police, Maria Luisa Abossida, and chaplain, Father Franco Diamante, and greeted civil personnel, the police and detainees. At the end of the celebration, the Holy Father returned to the Vatican.

The detention center, located one hour from the capital, was opened in 1991. It consists of two four-story pavilions, with 275 cells housing approximately 550 detainees (official figures from January 2018), and a police department.

This marks the fifth time that the Argentine pope celebrated Holy Thursday with the incarcerated. Since his election in 2013, each year he has not followed his recent predecessors’ tradition of celebrating this liturgy characterized by the washing of the feet, in St. Peter’s, but in places such as prison, refugee center or for the disabled.

Here is a ZENIT working translation of Pope Francis’ off-the-cuff homily:

***

I greet you all and I thank you for your hospitality.

I received a lovely letter a few days ago, from some of you who won’t be here today. They said such lovely things to me and I thank them for what they wrote.

In this prayer I am very united to all: those that are here and those that aren’t.

We heard what Jesus did; it’s interesting. The Gospel says: Jesus knowing that the Father had given everything in His hands,” namely, Jesus had all the power — all. And then, He begins to do this gesture of washing the feet. It’s a gesture that slaves did at that time, because there wasn’t asphalt on the streets and when the people arrived, they had dust on their feet. When they arrived at a house for a visit or for lunch, there were slaves that washed the feet. And Jesus does this gesture: He washes the feet; He does the gesture of a slave. He, who had all the power, He who was the Lord, does the gesture of a slave. And then He counsels all: “Do this gesture also among yourselves,” that is, serve one another, be brothers in service, not in ambition, as someone who dominates the other or one who strikes another. No. Be brothers in service. You are in need of something, of a service? I’ll do it for you. This is fraternity. Fraternity is humble — always: it is at service. And I will do this gesture — the Church wants the Bishop to do it every year, once a year, at least on Holy Thursday — to imitate Jesus’ gesture and also to do good with the example also for himself, because the Bishop isn’t the most important, but he must be the greater servant. And each one of us must be servant of the others.

This is Jesus’ rule and the rule of the Gospel: the rule of service, not of dominating, of harming, of humiliating others. Service! Once, when the Apostles were arguing among themselves, they were discussing “who is the most important among us,” Jesus took a child and said: “A child: if your heart isn’t the heart of a child, you won’t be my disciples.” A child’s heart, simple, humble but servant. And He adds an interesting thing there, which we can link with today’s gesture. He says: “Be careful, the Heads of Nations dominate, but it must not be so among you. The greatest must serve the littlest. One who feels himself the greatest must be servant.” All of us must also be servants. It’s true that in life there are problems: we quarrel among ourselves . . . however, this must be something that passes, a passing thing, because in our heart there must always be this love of service of the other; to be at the service of the other.

And may this gesture that I will do today be for all of us a gesture that helps us to be more servants of one another, more friends, more brothers in service. With these sentiments, we continue the celebration with the washing of the feet.

[Original text: Italian, Translation by ZENIT]

18th APRIL 2019 20:26FRANCIS

[ayittey1]

Waiting for an African Messiah?

 There are hundreds of millions of Africans, who overburdened by their countries’ mundane multifarious problems yearn for and eagerly await some Messiah to come and solve all their problems in one fell swoop. Currently President Paul Kagame of Rwanda, Prime Minister Abiy Ahmed of Ethiopia, John Magufuli of Tanzania are being hailed as such in their respective countries. While this predilection is understandable, it is not only dangerous and misguided but also a complete waste of time, Five reasons for this pushback.

 First, when former US Pres. Barack Obama addressed Ghana’s Parliament in July 2009, he said this, “Africa doesn’t need strong men; it needs strong institutions.” Our focus should be on building strong institutions, not rooting for strong leaders. Africa has had too many strongmen since independence and no dictator – civilian or military – has brought lasting prosperity to any African nation.

 Second, leaders come and go but institutions endure. For example, a Constitution that establishes a democratic country with checks and balances and free elections can last for more than a century. The judiciary too can last for centuries. No human being can live that long.

 Third, the postcolonial list of good leaders has been appalling. There have been exactly 243 Africa heads of state since independence in 1960. Fewer than 20 can be said to have been good leaders. That means the vast majority – over 90% – were bad leaders. That in turn means that if we wait it would take an awfully long time – if ever – for a good leader to emerge

 Fourth, the postcolonial record of so-called reformers was often treacherous. They often implemented those types of reforms that benefited them, their families, tribesmen, cronies and political parties. One classic example was Yoweri Museveni of Uganda. Back in 1986, he declared ebulliently that, “No African head of state should be in power for more than 10 years!” He was hailed across Africa as a new kind of leadership Africa needed. But 32 years later, he is still president of Uganda. Another example was Flt./Lte. John Jerry Rawlings of Ghana in the early 1980s. When he declared a holy war against corruption, his initials, “J J” was translated as “Junior Jesus.” In the case of the two leaders public adulation went to their heads and they soon began to see themselves as infallible. Then they started drifting towards authoritarianism and the rest of the story is known. Charles Taylor of Liberia, Yahya Jammeh of Gambia, Laurent Gbagbo of Ivory Coast, Isaias Afewerki of Eritrea, Emmerson Mnangagwa of Zimbabwe and General Abdel al-Sisi of Egypt are among this list of crocodile reformers.

Fifth, the development scenario most African countries face can be described thus, “Bad driver, Bad vehicle, Bad roads and ANGRY passengers fed up with lack of progress. Too often in Africa, we change the driver without fixing the vehicle. But a vehicle with no brakes will land in the ditch regardless of who the driver is.

 There needs to be a paradigm shift from leaders to INSTITUTIONS. Mandela was a great leader but it is pointless to wait for another Mandela. There was one and only one Nelson Mandela and there will never be another one. Those waiting for one will wait forever. But does that mean our problems shouldn’t be solved? Of course not. It is better for Africans to place their faith, not in what their leaders say but in institutions.

There are seven institutions that are critical for good governance:

1.     An independent and free media – for free flow of information;

2.     An independent judiciary – for the of law;

3.     An independent electoral commission – for free and fair elections;

4.     An independent Central Bank – for monetary stability;

5.     An efficient civil service – for the provision of social services;

6.     A neutral and professional security forces – for security of persons and property; and

7.     An autonomous Parliament – to serve as a check on the executive.

 It is not the president who guarantees the rule of law; it is an independent judiciary. Nor is it the president who guarantees free and fair elections; it is an independent electoral commission. Independence means free from influence by the executive. For this reason, the president should NOT be allowed to appoint the Electoral Commissioner, Supreme Court justices, and so on. You can’t have a situation where the president appoints the heads of the very institutions that are supposed to check him. For example, the president appointing the speaker of Parliament , as was the case in Ghana in 2006.

 Lastly, the president should NEVER be allowed to come anywhere near the reform of any of these institutions. If you ask him to reform the judiciary, he would pack the bench with his cronies. Let the Judiciary Services Commission reform the judiciary. Similarly with Police Services Commission.

[citythevillage]

Kutch - A Fun Tourist Destination Part of India

Kutch is an interesting destination to visit on holidays . It's a large district, falling under the province of Gujarat State, India. It's substantially a salty marshland with most greenery, and the rustic geographies spotted with several villages and many townships. The name Kutch, also pronounced and written as Kachchh, is based on the geography of the place. Also, the name also signifies something that becomes wet and dry at alternative time intervals, and similar to it, a large part of the district is submerged in water because of the rainfall during the rainy season and also becomes dry in other seasons. This large part of the district is called the Ran of Kutch, which is also a wildlife sanctuary that's largely significant to the government of India and forest department. old temples, rugged forts, unique local handcrafts, rich wildlife, migrant birds and flamingos, elegant garments spotted with embroidery and mirror work, and salty apartments that turn snow-white in post monsoon season are the attractions charming one towards the place. It's an ideal destination to spend the holiday as holidaying in the place is an experience of a lifetime. Given below are some popular places in the location that are worth visiting.

City the Village Hotel & Resort-

City The Village Beach Resort is located at Mandvi one of the Best hotel & resort in Kutch Gujarat. The Resort has Royal and exotic style architecture and landscaped which includes 56 rooms and suites, Gujarat’s biggest party plot of 4000 peoples, Swimming Pool, Outdoor games, multi cuisine restaurant and other amenities for a perfect holiday in Kutch Gujarat. Our Live kitchen restaurant concept is one of the best restaurant in Mandvi, Kutch. Intricate architectural carvings adorn the structure in the iconic style of the 18th-century. Indian red sandstone unites the old and the new with the exotic designs adding an exciting and fresh dimension to the region’s ancient carving industry. Book your stay with one of the best 5 star hotels & resorts in Mandvi, Kutch, Gujarat. Experience and enjoy our 5 star services in the lap of nature.

Aaina Mahal-

It's an amazing palace situated in Bhuj near the beautiful Hamirsar Lake. It's an old 18th century structure that exhibits the advanced infrastructure of the place that existed in medieval times. Aaina Mahal, which translates to the Hall of mirrors, is literally a palace that's constructed of multiple mirrors and golden adornments in addition to the other elements. It's a two storied building housing fountains, mirrors, small puppets, doors that are inlaid with ivory and gold, etc. The palace now has been transfigured into a gallery that provides a detailed insight on the place's history. 

Koteshwar Temple-

It's a largely adored spiritual place and a well-known place in Kutch. It isn't exactly in Kutch but located about 215k.m. from Bhuj, the capital of Kutch. You have to pass the vast distance of desert to reach the temple. Amongst Hindus the place holds tremendous significance, which explains the continuous inflow of visitors. Located near the western coast of India it's maybe the latest bastard- formed village on western most end of India placed on a high platform overlooking the vast Arabian Sea. 

Dholavira-

Dholavira is Located about 250k.m. from Bhuj, it's a point of immense archaeological significance. The location was discovered in 1967 and belongs to the Harappan era. It's a large ruined area covering about 100 hectares of land and consists of multiple remains and ruined structures, including the world's oldest water conservation system. 

Vijay Vilas palace- 

The architectural heritage is a classic of history associated precisely with the culture of Gujarat. The massive palace was built as a mid-year retreat in red sandstone which reeks of royalty in its every niche and split. One of the best visiting places to visit near Mandvi, fall in love with the amazing majesty of this palace. 

[mindthump]

Chari, a Moroccan startup digitizing mom and pop stores, raises $5M at $70M valuation https://ift.tt/3uOPHmn

If there’s a sector that has seen the biggest uptick in the number of startups and venture capital in emerging markets since the start of last year, it has to be the digitization of mom and pop stores.

Today, a new activity takes us to Morocco, where YC-backed company Chari just raised a $5 million seed round at a valuation of $70million.

Founded by Sophia Alj and Ismael Belkhayat last year, Chari took part in the recent Y Combinator’s Summer batch that concluded two months ago.

The U.S seed-stage accelerator invested in this seed round, along with Plug and Play, Village Capital/MetLife Foundation, Orange Ventures, Airbnb executives, SPE Capital, Pincus Private Equity, The Chandaria family, Michael Lahyani and the management company of an American Ivy League university.

Rocket Internet, Global Founders Capital and P1 Ventures co-led the round, which is the largest of its kind in Morocco at the moment.

Chari wants to digitize informal retail stores in Morocco and provide credit to them. Belkhayat, ex-strategy consultant at Boston Consulting Group, and Alj, an ex-strategy consultant from McKinsey, first got alerted to the shifts in Africa’s e-commerce landscape last year. On a mandatory trip from her former employer, Alj was tasked to understand how FMCGs operated in sub-Saharan Africa.

With Belkhayat tagging along, the couple discovered the pain points small shops faced in the region when they had to get their products. They never noticed such in Morocco before that, but it became evident after going back to the North African country that local mom and pop stores needed such service.

This YC Summer batch features the largest group of African startups yet

With companies like TradeDepot, MaxAB and Sokowatch bringing shops online in other African markets, the couple launched a similar platform in Morocco.

Chari operates as a mobile app allowing small retailers to order products from partnering FMCG multinationals and local manufacturers and get them in less than 24 hours.

In August, Chari received fresh competition when regional player MaxAB, who, after raising $55 million, moved into the country by acquiring another YC-backed company, WaystoCap, for an undisclosed sum.

But in an identical but seemingly unrelated move, Chari acquired Karny.ma, a Khatabook-esque application, the same month. The platform provides credit and bookkeeping services to about 40,000 merchants and now serves as Chari’s strategy to provide payment facilities.

According to CEO Belkhayat, the acquisition has enabled Chari to stand head to head with MaxAB in the country as it provides more merchants for the company to tap into. He adds that the company’s “great relationship” with the suppliers also gives Chari an edge in the still-nascent industry.

“We have exclusivity on some digital trades. For instance, P&G works with Chari exclusively. So in case any other player wants to sell P&G products, either they have to go through Chari or they have to buy the goods from the supermarket,” he added.

Chari holds distribution contracts with these FMCG companies and takes a percentage (10-30%) from every sale it makes to shop owners. The YC-backed company then employs suitable payment terms: it is not required to pay suppliers in 40 days but collects instant payments from local shops. With an average of 15 days of stock, this system allows Chari to be cash-flow positive.

“The more we grow, the more we have funding. The main reason why we raised this money is mainly to be on the radar of investors and grow outside Morocco,” said the CEO alluding to the fact that Chari is on the cusp of achieving profitability.

Image Credits: Chari

Unlike MaxAB, Chari doesn’t own assets; rather, it rents them. Asked if Chari will adopt an inventory-heavy model later, the CEO said it’s unlikely. There are many warehouses available in Morocco to rent, and doing so allows the company to scale faster, he said.

It’s the same process in Tunisia, its second market after Morocco. And on the logistics end, a total of 100 people work as delivery agents in both regions.

The Moroccan startup currently transacts about $2.5 million monthly, said Belkhayat. It has signed up 15,000 merchants and is growing 20% month-on-month, but just half of those use the platform regularly. When Karny is taken into account, the total number of merchants using Chari’s products extends to over 50,000.

What lies ahead for Chari following this seed round is moving into Francophone Africa; Cameroon, Ivory Coast, Mauritania and Senegal top that list. Also, the company will use the funding to get licences to offer other financial services like remittances, bill payments, mobile top-up and buy now, pay later in Tunisia and Morocco.

A subtle and impressive bit of this announcement is that Chari chose to disclose its valuation which private African startups rarely do. And for a startup from a North African country that isn’t Egypt to command such lofty valuation, it’s easy to see why investors are excited about its prospects regarding B2B e-commerce retail in the MENA region. Will it translate to more investments in Morocco and the Maghreb region? COO Alj hopes so.

“We are happy to lead the way of the nascent Moroccan startup ecosystem,” said COO Alj. We hope that this seed round will be one the first of a long series of noticeable seed funding in Moroccan startups.”

MaxAB gets an extra $15M, acquires YC-backed Moroccan startup WaystoCap

[pamphletstoinspire]

Approved Litanies Of The Roman Catholic Church - 1 - Litany Of Loreto - Holy Virgin Of Virgins, Pray For Us!

A litany is a well known and much appreciated form of responsive petition, used in public liturgical service,s and in private devotions, for common necessities of the Church, or in calamities - to implore God's aid or to appease His just wrath. This form of prayer finds its model in Psalm cxxxv: 'Praise the Lord, for He is good: for His mercy endureth forever. Praise ye the god of gods...the Lord of lords... Who alone doth great wonders... Who made the heavens', etc., with the concluding words in each verse, "for His mercy endureth forever."..

... Litanies appeared in honour of God the Father, of God the Son, of God the Holy Ghost, of the Precious Blood, of the Blessed Virgin, of the Immaculate Conception, of each of the saints honoured in different countries, for the souls in Purgatory, etc. In 1601 Baronius wrote that about eighty forms were in circulation. To prevent abust, Pope Clement VIII, by decree of the Inquisition of 6 Sept., 1601, forbade the publication of any litany, except that of the saints as found in the liturgical books and that of Loreto.

Today the litanies approved for public recitation are of: All Saints, of Loreto, of the Holy Name, of the Sacred Heart, of St. Joseph [Ed. and, approved in 1960, of the Most Precious Blood of Our Lord Jesus Christ].

Many, many other litanies exist, and all of them may be prayed privately, but only these six are approved for public prayer.

______

The Litany of Loreto

The most beautiful, Marian Litany of Loreto (the "Litany of the Blessed Virgin Mary"), whose present form dates to the 15th c., is prayed on Marian feasts and their vigils, on Saturdays, and is often added to Rosaries. It takes its name from Loreto, a small town on the Eastern coast of central Italy, in the region of Le Marche, a place where one can find what is known as the Holy House of Loreto. This house, according to tradition, is the house where Mary was born and in which the Archangel Gabriel made his Annunciation to her. It is said to have been translated by angels from Nazareth to Dalmatia in present day Yugoslavia after Saracens retook the Holy Land, and then to Loreto in A.D. 1291. St. Gabriel's "flight" from Heaven during the Annunciation, has caused Our Lady of Loreto to be seen as the Patroness of aviators and of air travelers -- and Charles Lindbergh, the astronauts of Apollo 9, and Umberto Nobile, who flew over the North Pole in the 1920s, all took images of Our Lady of Loreto with them on their historic missions.

The shrine (a basilica is now built around the house) has been associated with miracles, its veneration is approved by Popes, and around 50 Popes themselves have made pilgrimages to it or otherwise honored it in word, as have many, many Saints. The image at right is a version of the very unique and stylized statue of Our Lady of Loreto which is kept at the shrine. The statue -- the original was destroyed by fire -- depicts Our Lady holding Jesus and was clad in a dalmatic. Its deep hues are due to the original wood's having been darkened by the soot from candles and lamps that burned around it in the shrine's sanctuary.

The Litany of the Blessed Virgin Mary

The faithful who pray any of these Litanies, under the usual conditions, receive a partial indulgence. When prayed, one person (or half the people) chants or reads the invocation while the others chant or read the responses which are in italics in the following pages.

V. Lord, have mercy.

R. Christ have mercy.

V. Lord have mercy. Christ hear us.

R. Christ graciously hear us.

God the Father of heaven, have mercy on us.

God the Son, Redeemer of the world, have mercy on us.

God the Holy Spirit, have mercy on us.

Holy Trinity, one God, have mercy on us.

Holy Mary, pray for us.

Holy Mother of God, pray for us.

Holy Virgin of Virgins, [etc.]

Mother of Christ,

Mother of divine grace,

Mother most pure,

Mother most chaste,

Mother inviolate,

Mother undefiled,

Mother most amiable,

Mother most admirable,

Mother of good Counsel,

Mother of our Creator,

Mother of our Savior,

Virgin most prudent,

Virgin most venerable,

Virgin most renowned,

Virgin most powerful,

Virgin most merciful,

Virgin most faithful,

Mirror of justice,

Seat of wisdom,

Cause of our joy,

Spiritual vessel,

Vessel of honor,

Singular vessel of devotion,

Mystical rose,

Tower of David,

Tower of ivory,

House of gold,

Ark of the covenant,

Gate of heaven,

Morning star,

Health of the sick,

Refuge of sinners,

Comforter of the afflicted,

Help of Christians,

Queen of Angels,

Queen of Patriarchs,

Queen of Prophets,

Queen of Apostles,

Queen of Martyrs,

Queen of Confessors,

Queen of Virgins,

Queen of all Saints,

Queen conceived without original sin,

Queen assumed into heaven,

Queen of the most holy Rosary,

Queen of families,

Queen of peace,

V. Lamb of God, Who takest away the sins of the world,

R. Spare us, O Lord.

V. Lamb of God, Who takest away the sins of the world,

R. Graciously hear us, O Lord.

V. Lamb of God, Who takest away the sins of the world,

Have mercy on us.

V. Pray for us, O holy Mother of God.

R. That we may be made worthy of the promises of Christ.

Let us pray. Grant, we beseech Thee, O Lord God, that we thy servants may enjoy perpetual health of mind and body, and by the glorious intercession of blessed Mary, ever Virgin, may we be freed from present sorrow, and rejoice in eternal happiness. Through Christ our Lord. R. Amen.

The versicle and prayer after the litany may be varied by season. Thus, during Advent (from the fourth Sunday before Christmas to Christmas Eve):

V. The Angel of the Lord declared unto Mary.

R. And she conceived by the Holy Spirit.

Let us pray. O God, who hast willed that by the message of an Angel, thy Word should receive flesh from the womb of the Virgin Mary: grant unto thy suppliants, that we who believe that she is truly the Mother of God, may be assisted by her intercession before Thee. Through the same Christ our Lord. R. Amen.

From Christmas to Candlemass (the Feast of the Presentation), that is through February 1:

V. Thou gavest birth without loss of thy virginity.

R. Intercede for us, O holy Mother of God.

Let us pray. O God, Who by the fruitful virginity of blessed Mary hast offered unto the human race the rewards of eternal salvation, grant, we beseech thee, that we may know the effects of her intercession, through whom we have deserved to receive the author of life, our Lord Jesus Christ, Thy Son. R. Amen.

From Candlemass to Easter (through Holy Week), AND from the day after Pentecost (or from Trinity Sunday, if Pentecost is celebrated with octave) to the beginning of Advent:

V. "Pray for us" and prayer "Grant unto thy servants," as above:

During Eastertide (from Easter day through Pentecost, and throughout the octave of Pentecost if it is celebrated):

V. Rejoice and be glad, O Virgin Mary, alleluia.

R. For the Lord is truely risen, alleluia.

Let us pray. O God, Who by the resurrection of Thy Son, our Lord Jesus Christ, hast vouchsafed to make glad the whole world, grant, we beseech Thee, that through the intercession of the Virgin Mary, His mother, we may attain the joys of eternal life, through the same Christ our Lord. R. Amen.

______

Pamphlet Of The Litany Of Loreto

https://docs.wixstatic.com/ugd/a84285_c5a571ce3f0f4f59995de2edb481a520.pdf

All Six Litany Pamphlets

https://www.pamphletstoinspire.com/litanies

[nuadox]

7 African fintech startups to follow

- By Phil Siarri , Nuadox -

The fintech ecosystem is growing in Africa. Almost one third of funding raised by African startups in 2017 was in that specific sector (where just 17% of the population have banking accounts). Last year venture funding for African startups increased by 51% reaching $195 million, according to a report from Disrupt Africa. I have compiled a list of seven promising African startups offering cash management, lending, credit assessment, conversational agent, savings and payment services.

For the sake of simplicity, I have excluded companies with African representation that are not headquartered on the continent. 

Byte Money (South Africa)

http://www.bytemoney.co.za/

Byte Money is a cash receipting and allocation platform servicing Sub Saharan Africa (where liquid money is still king so to speak). It ensures that collection transactions are captured and reported on in real time, without human interference. Byte Money integrates with legacy admin system, aiming to reduce risk and increase profitability.

CinetPay (Ivory Coast)

https://cinetpay.com/

CinetPay is an Abidjan-based mobile money payment solution allowing e-commerce sites and e-services to receive secure payments. The company is a 2016 Founder Institute Graduate.

Click2Sure (South Africa)

http://www.click2sure.co.za/

Click2Sure is an insurtech platform which enables retailers, service providers, distributors and brokers to bolt on a selection of over 20 custom developed insurance products at the point of sale.

FinChatBot (South Africa)

https://finchatbot.com/

FinChatBot is a conversational agent framework dedicated to the financial services industry. It can be deployed across multiple channels including web and messaging apps.

Flexpay (Kenya)

https://www.flexpay.co.ke/

Flexpay aims to offer a secure, reliable financing management platform with flexible, installment payment options that make it easier for one’s customers to pay for products and services. Customers reserve or book products or services in advance and pay for them in flexible payments in a stipulated period of time through existing mobile money and bank transfer channels.

Numida (Uganda)

http://www.numida.co/

Numida is a digital financial services firm based in Kampala, Uganda. The company helps small businesses digitize their financial records helping them to make sound business decisions. The firm’s proprietary algorithm uses cash flow and financial management behavioral data gathered through the Numida app to determine an entrepreneurs credit-worthiness and issue unsecured loans.

Piggybank.ng (Nigeria)

https://www.piggybank.ng/

Piggybank.ng is a Lagos-based online savings platform. Users can choose to save small amounts periodically (daily, weekly or monthly) and restrict withdrawals until a set date or via piggybank's quarterly withdrawal dates.

I expect the funding momentum to continue both in larger economies (South Africa, Nigeria, Kenya) as well as in smaller nations on the continent where the “unbanked” and “underbanked” could translate into significant opportunities.

Read Also

11 Latin American fintech companies to watch

[digitalconvo]

Cocoa Market- Top Key Participants, In-depth Analysis, Revenue, Challenges

Global Cocoa market: Overview

Cocoa is a fatty bean obtained from the plant, Theobroma cocoa. This plant seed is dried and fermented, and subsequently processed further to extract cocoa powder, cocoa oil, cocoa butter, cocoa liqueur and other solids. The demand for cocoa is set to increase due to its use in chocolate, primarily.  However, note that Cocoa beans are not only demanded for their unique flavor, but also because they are known to have high flavonoid concentrations, which are known to be beneficial to people with cardiovascular problems.

As per TMRR, the market would grow at a sturdy growth rate, compounded annually, pushing forward lucrative growth opportunities for market players. Another outcome into which the growth would translate to is a higher valuation of the global cocoa market.

Get Brochure of the Report @  https://www.tmrresearch.com/sample/sample?flag=B&rep_id=6691

Global Cocoa Market: Notable Developments

Major players in the cocoa market are inclined towards sustainability and certification for their cocoa products. Players’ focus on new product development for portfolio diversification and tapping into new consumer bases has also been noted in the past. Certain examples of the same are cited below:

In October 2016, Blommer Chocolate Company, U.S., announced its plan to procure only certified cocoa from 2020 onwards in order to adhere to cocoa industry standards. In December 2015, Nestlé U.K. & Ireland announced their plans to use only certified sustainable cocoa to improve product quality of chocolate-based products from January 2016 onwards.

In September 2015, Ghana’s Cocoa Research Institute introduced a new variety of cocoa with new fine flavors, including floral, fruit, herbal, wood nuts and caramelized notes with chocolate bases. These new flavors are set to increase demand in this market, given people’s preferences for new flavors.

Request For Discount @https://www.tmrresearch.com/sample/sample?flag=D&rep_id=6691

Prominent players in the cocoa market include-

The Barry Callebaut Group

The Hershey Company

Nestlé S.A.

Cargill Incorporated

Puratos Group

Cémoi

Mars, Incorporated

Blommer Chocolate Company

Meiji Holdings Company, Ltd.

Carlyle Cocoa

Jindal Cocoa

United Cocoa Processor.

Global Cocoa market: Key Trends and Drivers

The cocoa market is largely driven by the increasing demand for chocolate and chocolate coatings around the world. Some of the most popular products where cocoa is utilized are sweet chocolate, dark chocolate, drinking chocolate, milk chocolate, and baking chocolate.

However, health concerns related to high sugar-content utilized world over in most cocoa-based products are expected to hamper the market’s growth to certain extent. Demand for organic products is gaining traction with consumers seeking to avoid consumption of harmful chemicals.

The increasing consumption of chocolate confectionary is strongly linked to the affordability of consumers. As the disposable income of consumers increase in the world’s advanced economies and the per capita income of consumers in emerging nations continue to rise, particularly in Africa, and Asia Pacific, cocoa consumption seems set to increase in the future.

Global Cocoa market: Regional Analysis

Cocoa beans are produced in tropical zones around the Equator, where climatic conditions are well suited for growing cocoa trees. About 70 percent of the world’s cocoa beans come from four African countries: Ivory Coast, Ghana, Nigeria and Cameroon. Cocoa is also considered to be one of the most important cash crops by the farmers in regions such as Africa, Latin America and South East Asia. Among the South East Asian countries, Indonesia is a major producer of cocoa.

Cocoa Market Segments:

By Product Type

Cocoa Beans

Cocoa Butter

Cocoa Powder & Cake

Cocoa Paste & Liquor

Chocolate

By Application

Confectionery

Food & Beverages

Cosmetics

Pharmaceutical

Get Table of Content of the Report @https://www.tmrresearch.com/sample/sample?flag=T&rep_id=6691

About TMR Research:

TMR Research is a premier provider of customized market research and consulting services to business entities keen on succeeding in today’s supercharged economic climate. Armed with an experienced, dedicated, and dynamic team of analysts, we are redefining the way our clients’ conduct business by providing them with authoritative and trusted research studies in tune with the latest methodologies and market trends.

Contact:

TMR Research,

3739 Balboa St # 1097,

San Francisco, CA 94121

United States

Tel: +1-415-520-1050

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Comprehensive Akan Translation Services: Akan-English Dictionary & Language Expertise

From West Africa to the Caribbean, the lyrical tones of the Akan language can be heard among a diaspora of over 10 million speakers. As one of the most widely spoken languages in Ghana and Ivory Coast, mastery of Akan opens doors to rich cultural heritage as well as opportunities to engage many communities in their heart language.This article explores the world of Akan translation. It discusses…

[victoriansword]

British Silver-Hilted Presentation Sword, 1873

The right side bears the inscription "LIEUTENANT EDRIC FREDERICK LORD GIFFORD 24TH REGIMENT OF FOOT/26th FEBRUARY 1873 WISHING HIM GOD SPEED, FROM HIS FRIENDS IN THE 83rd./NON SINE NUMINE"

Born in 1849, Edric Frederick Gifford with the grandson of Robert, 1st Baron Gifford, Chief Justice of the Common Pleas and Master of the Rolls. Entering military service with the 83rd Regiment of Foot (County of Dublin), Gifford later joined the 24th Regiment of Foot (aka the South Wales Borderers) as a Lieutenant for the First Ashanti Expedition, part of the Anglo-Ashanti Wars which took place in and around the territory of the Gold Coast Colony, serving as a Special Service Officer training and leading teams of native fighters. Lord Gifford's service as a highly capable reconnaissance officer was noted in his Victoria Cross Citation, in particular his actions in the taking of Becquah (modern day Bekwai), in which he and his unit were the first to breech the town's defenses in advance of the main unit. Following the Ashanti Expedition, Lord Gifford served as Aide-de-Camp to General Garnet Woolseley during the Anglo-Zulu War, and finished his career as a brevet Major. After leaving the service, Lord Gifford served as Colonial Secretary to Western Australia from 1880 to 1883, Colonial Secretary to Gibraltar from 1883 to 1887, and made a director of the British South Africa Company in 1889. Upon his death in 1911, the title of Baron Gifford passed to his younger brother, and remains active today. The sword measures 38 inches in overall length, with a lightly curved 32 inch single fuller blade, numbered "18847" on the spine, with the etched "HENRY/WILKINSON/PALL MALL/LONDON" address on the left ricasso, gilt brass "HW" proof seal on the right, and scroll decorated panels up each side, featuring scroll designs and a Queen Victoria cipher on the left. The right side bears the inscription "LIEUTENANT EDRIC FREDERICK LORD GIFFORD 24TH REGIMENT OF FOOT/26th FEBRUARY 1873 WISHING HIM GOD SPEED, FROM HIS FRIENDS IN THE 83rd./NON SINE NUMINE", the final Latin line translating to "not without divine favor". The hilt hardware is silver finished, with attractive raised scrollwork on the 3-branch guard, featuring a cut-through Victoria cipher in a wreath, additional scrollwork running down to the pommel, a woven gold wire sword knot hung from a piercing in the guard, and a multiple strands of twisted silver wire around the ivory grip, which is carved with raised scroll designs to compliment those on the hilt. The metal sheath also bears a silver finish, with near full coverage engraving, showing vine patterns along the suspension bands and down the front and back, scroll accents, and a series of floral patterns on the drag and down the sides, set into an interwoven geometric pattern.

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10 African Masterpieces of Literature & Song

The following is our list of the most famous pieces of work about Africa, cutting across:

literature

politics

poetry

painting

and sculpture.

Africa has great pieces of creative work that surprisingly even many Africans have never seen or heard of; this is due to Africa’s wide geographical spread, multilingual barrier, and very few Afro-focused media.

With that said, let’s jump right into it, shall we?

10. Things Fall Apart

Novel, By Chinua Achebe – Nigeria

This is a literary piece of work written by one of the best African writers of all time – Chinua Achebe[i]. Chinua Achebe hails from Nigeria[ii].

Things Fall Apart[iii] is a piece of work that focuses on a clash of traditions during Africa’s transition period from the colonial rule. It is at this period that Africa’s traditional values were in a violent clash with those values of their colonial subjugators.

Even though the Western culture brought profound positive effects on Africa – including modern industrialization and infrastructure, it nonetheless caused tremendous destruction in terms of Africa’s authentic traditional values that held families together and defined the gender roles.

Things Fall Apart is a theme about characterization and demonstration of Africa’s torn socio-cultural fabric as different forces fight for their own domain.

9. An African Thunderstorm

Poem, By David Rubadiri – Malawi

David Rubadiri[iv] is a great poet, writer, novelist, diplomat, and playwright from Malawi[v].

Like most early African writers, he ran afoul with his country’s government under dictator Hastings Kamuzu Banda and ran into exile in Uganda[vi]. While in Uganda, Obote’s government was overthrown, forcing him again to run into exile in Kenya[vii].

He served twice as his country’s diplomat, first has Malawi’s first ambassador to the US. After Kamuzu Banda ceased to be president, he returned to the country and later became his country’s Ambassador to the UN.

The following poetry extract is one of his great pieces of work, An African Thunderstorm[viii]:

Pregnant clouds

Ride stately on its back,

Gathering to perch on hills

Like sinister dark wings;

The wind whistles by

And trees bend to let it pass.

And like most writers of his time, he was critical of poor governance and leadership in Africa. Some of his work was critical of Africa’s despotic regimes.

8. Burger’s Daughter

Novel, By Nadine Gordimer – South Africa

This is a historical and political novel by Nadine Gordimer[ix], one of Africa’s earliest literary Nobel Laureates.

This piece of work focuses on the criticism of the era of the draconian Apartheid regime of South Africa. Burger’s Daughter[x] was billed by the New York Times as Gordimer ’s most political and most moving novel.

7. Bahora Girl

Painting, by Irma Stern – South Africa

This is a great painting that fetched one of the highest auction bids for such a piece of art in Africa.

Bohari Girl[xi] was painted by Irma Stern[xii], one of South Africa’s [xiii] most renowned personalities and a leading figure in the art scene. Apart from this masterpiece, Stern has painted many other pieces of art that have etched their place in the international art scene.

6. Daily Mirror

Sculpture, by Ben Enwonwu – Nigeria

Billed as Africa’s most influential artist of the 20th Century, Odinigwe Benedict Chukwukadibia Enwonwu, popularly knowns as Ben Enwonwu[xiv], is an artist and sculptor.

One of his most famous piece of work is the ‘Daily Mirror’[xv] sculpture, which he created in May 2013.

5. Senufo Female

Sculpture, by Master of Sinasso – Ivory Coast

Senufo Female[xvi] is a sculpture created by one of the most celebrated Ivory Coast[xvii] artists by the name Master of Sinasso[xviii].

It is a sculpture representing a traditional female body of the Senufo people of Ivory Coast. This piece of work fetched $12 million at its auction, bought by Sothebys.

4. Construction of the Suez Canal

Painting, by Abdul Hadi El-Gazzar – Egypt

Construction of the Suez Canal[xix] is one of the best modern masterpieces from Egypt[xx] that depicts its topic.

It is a painting drawn by Abdul Hadi El-Gazzar[xxi], one of Egypt’s most celebrated artists of modern times.

Egypt is a famous ancient civilization characterized by great artwork, science, engineering, and construction. Pyramids, paintings, sculptures, and religious edicts define this great land of the Pharaohs.

This masterpiece was able to fetch $1 million at an auction in Dubai in 2014.

3. Les Chadoufs

Painting, by Mahmoud Said – Egypt

Les Chadoufs[xxii] painting depicts the ancient Shaduf Screw method of irrigation which was invented by the ancient Egyptians over two millenniums ago as a way of irrigating farms along the River Nile.

The painting was drawn by Mahmoud Siad[xxiii], a famous painter from Egypt. It was auctioned at Christie’s for a whopping $2 million.

2. Aye Africa

Song, by Franklin Boukaka – DRC

This is a great song that many people brand it as “Africa’s Anthem”.

It is a deep moving song with that moves any listener who understands the plight of Africa, especially after the mirage of the so-called ‘Independence’.

In the song, Franklin Boukaka[xxiv] questions whether this war, poverty and misery that Africa faces is the independence and freedom that was promised by the Independence heroes.

From his background as a Congolese from the Democratic Republic of Congo (DRC)[xxv], the song is painfully relevant when you realize that DRC is in deep turmoil that has so far claimed over 10 million lives, not forgetting that over 6 million of them that were massacred by King Leopold of Belgium prior to independence.

This is a painful song. Its lyrics can move any patriot to tears. A song from the deep heart of a martyr who was killed trying to fight for a better country through words and deeds.

The song was sung in French. The following are some parts of the translated lyrics:

Ahe Africa he

Eh he Africa

Where is your freedom?

Where is your liberty?

Oh, it is hard labor to cut wood fire!

With such sufferings with our kids!

I don’t know how to fix that.

I gave my confidence

To people only focused on luxury stuffs and cars

But when elections comes, they remind me as an important person for them

The colonizer left already

But what do we do with this freedom now?

You can listen to this great piece of work and its lyrics from this video:

Rest In Peace, Franklin Boukaka.

1. Nkosi Sikelel’ iAfrika

Song, by Enoch Sontonga – South Africa

Translated as ‘God Bless Africa’, this is another emotionally moving son by a great son of Africa – Enoch Sontonga. It’s greatness is evidenced by the fact that it has been adapted by several countries in Southern Africa as their national anthem.

These includes South Africa itself, Zambia, Namibia, Tanzania (in Swahili version), and Zimbwabwe (Shona version).

Enoch Sontonga[xxvi] was a teacher and Choirmaster at the Methodist Mission School in South Africa.  He composed and sung the song as part of religious service and as a special dedication to his continent – Africa.

Enoch Sontonga died in obscurity during his youth at a prime age of only 33 years. But, his giant legacy lives on in this great masterpiece that has been adopted as a National Anthem for 5 African countries.

His spirit guided and blessed most of Southern Africa’s liberation heroes as it was the song of choice during their liberation struggle. A simple man whose hearty song invigorated the liberation spirit of a people of 5 countries of Africa.

The song has been adapted in many languages across Africa. In South Africa alone, it has been adapted in Xhosa (its original language), Zulu, Afrikaans, and English.

Here are some of the English extracts:

Lord bless Africa

May her glory be lifted high

Hear our petitions Lord bless us, your children

Lord we ask You to protect our nation

Intervene and end all conflicts

Protect us, protect our nation

Protect South Africa, South

Out of the blue of our heavens

Out of the depths of our seas

Over our everlasting mountains

Where the echoing crags resound

Sounds the call to come together

And united we shall stand

Let us live and strive for freedom

In South Africa our land

May Sontoga’s spirit be blessed.

Parting words

Africa is the source of the world’s most ancient civilizations. Every source of civilization has its culture which is described through different pieces of work. The top 10 most famous pieces of work about Africa provided herein helps to reignite memories of Africa’s rich cultural heritage.

Resources:

[i] Chinua Achebe

[ii]  Facts About Nigeria

[iii] Things Fall Apart

[iv] David Rubadiri

[v] Facts About Malawi

[vi] Facts About Uganda

[vii] Facts About Kenya

[viii] An African Thunderstorm

[ix] Nadine Gordimer

[x] Burger’s Daughter

[xi] Bohari Girl

[xii] Irma Stern

[xiii] Facts About South Africa

[xiv] Ben Enwonwu

[xv] Daily Mirror

[xvi] Senufo Female

[xvii] Facts About Ivory Coast

[xviii] Master of Sinasso

[xix] Construction of the Suez Canal

[xx] Facts About Egypt

[xxi] Abdul Hadi El-Gazzar

[xxii] Les Chadoufs

[xxiii] Mahmoud Said

[xxiv] Franklin Boukaka

[xxv] Facts About Democratic Republic of Congo

[xxvi] Enoch Sontonga

The post 10 African Masterpieces of Literature & Song appeared first on Afrikanza.

[todaynewsstories]

Tax byte: Africans fear trend towards levies on data, services

KAMPALA/JOHANNESBURG (Reuters) – The brisk business Julius Kirya did from his cash transfer kiosk in the Ugandan capital has slowed right down with a new tax on mobile money. Many of his customers have returned to sending banknotes by hand, in some cases via motorbike taxi.

A customer conducts a mobile money transfer, known as M-Pesa, at a Safaricom agent stall, as he holds Kenyan shillings (KSh) in Nairobi, Kenya October 16, 2018. REUTERS/Thomas Mukoya

How to tax digital revenues, from fintech to social media, is a puzzle authorities around the world are working on. A solution catching on in Africa – levies on usage – has obvious appeal to indebted governments but a big impact on people like Kirya, who saw the tech revolution as a way out of poverty.

“I had a dream of steadily growing to middle income status,” he said from his tiny cubicle attached to a Kampala petrol station, one of thousands across the country that serve the millions of people without access to bank accounts.

He was making three times the average salary before the tax, was introduced in July. Now his income has slid to half that. “With this tax I have no chance,” he said.

It is not just Kirya and his customers who are losing out.

Mobile communications have revolutionised life in Africa where telecom company reports show calls and texts are giving way to data services like Facebook-owned WhatsApp, Skype, Viber and WeChat owned by China’s Tencent.

The telecom companies say taxes on mobile payments introduced by a string of countries hurt their revenues and threaten much-needed investment in infrastructure.

Levies on social media usage brought in by Uganda and Benin and a proposed tax on internet calls in Zambia have taken the shine off a fast-growing market and have all sparked protests.

Officials say the taxes are needed to preserve state revenues as technologies evolve.

The International Monetary Fund (IMF), which has long pressed African states to improve tax collection, urges caution.

“You want to make sure you don’t introduce taxes that are stifling innovation and curtailing activity in the sector,” Abebe Selassie, the IMF’s top official for Africa, told Reuters this month. “So striking that balance will be important.”

GLOBAL DISRUPTION

The communications sector is evolving fast in Africa, where the convenience and lower communication costs of “over-the-top” (OTT) services via the internet have particular appeal.

Data revenues in most African markets are increasing at a much faster rate than SMS and voice revenues are declining, a Reuters analysis of telecom company finances showed.

Kenya’s Safaricom – part owned by Vodafone – reported its customer base jumped nearly 12 percent last year but voice revenues grew just 2.9 percent while SMS revenues shrank nearly 4 percent and data revenue rose 38.5 percent.

MTN saw revenues from outgoing voice calls decline in a number of African countries in the first half of this year; SMS revenue fell across the group and in many markets by double digits year-on-year. But data revenues grew nearly 27 percent.

Mobile operators are expanding 4G networks, trimming data costs and nurturing financial services offerings to drive future revenues.

In theory, this should also protect countries’ tax take, but many African governments supplement revenue or profit taxes with separate levies on voice airtime, SMS and mobile money.

Amid fears the first two services are tailing off, authorities are bringing in or increasing taxes on mobile money and introducing them for social media to make up the shortfall.

In January, Ivory Coast imposed a 0.5 per cent tax on transfers via mobile money services. Kenya last month increased its tax on mobile money transfer fees from 10 to 12 percent. Benin introduced a tax of 5 CFA francs ($0.01) per megabyte consumed on social media usage. And Zambia has proposed a daily levy on consumers who use the internet to make phone calls.

In Uganda, riot police repressed demonstrations against two new taxes implemented in July – one on mobile money transactions and another, a daily levy on social media usage, with apps and websites blocked until a user pays the fee.

Amnesty International and local opposition parties say the OTT tax is a veiled attempt to stifle criticism of President Yoweri Museveni, who has been in power for over three decades. Opposition activists have used apps to organise protests.

Officials say the taxes are aimed at raising revenue, not suppressing dissent, and reject the telecom firms’ complaints.

Finance Ministry spokesman Jim Mugunga said they had helped the revenue authority exceed its third quarter targets.

“There’s no proof that these taxes are hurting business,” he said. “No one has given us empirical evidence … That’s a narrative by telecom companies. I don’t accept it.”

Godfrey Mutabazi, executive director of the Uganda Communications Commission, echoed a common complaint around the world that social media companies keep local tax authorities at arms’ length.

“The traditional voice technology that we have lived with over the past 20 years is dying,” he told Reuters. “These big technology firms are not registered here … so the only way the government can get revenue from them is to put a tax on OTT usage.”

“GETTING COMPLICATED”

As of last year, Facebook boasted 170 million users across Africa, a 42 percent increase from 2015, it said. Facebook’s WhatsApp is the most popular messaging app on the continent, home to more than a billion people.

The number of social media users in Africa grew 12 percent last year on the back of a 20 percent increase in internet users, the fastest rate of any region in the world, a report by social media marketing firms We Are Social and Hootsuite found.

A Facebook-financed report published in August by Christoph Stork, a telecoms analyst with Research ICT Solutions, said network operators in Uganda have seen a 20 percent drop in subscribers using data since the social media tax came in.

Such a decline could also affect the broader economy.

Studies, including one from the World Bank, estimate that a 10 percent increase in mobile broadband penetration translates to a 0.8 to 1.5 percent increase in a country’s GDP growth.

Mobile money transactions are also taking a hit. A spokeswoman for Airtel Uganda, a subsidiary of India Bharti Airtel’s, said the new tax on transfers had led to a significant drop in the volume and value of transactions.

“Any disruption in the Airtel Money operations causes an indirect negative impact on the growth prospects of emerging businesses, stifling economic growth,” said Sumin Namaganda.

Ugandan media have quoted MTN officials saying the tax had cut the company’s mobile transaction volumes in half.

As of March 2017, mobile money services were operating in 39 sub-Saharan African countries with almost 280 million registered accounts, according to mobile communications industry body GSMA.

At least six countries have introduced taxes on the service, prompting GSMA to warn in a report last year that high or unpredictable levies may cost states some of what it said would be $31 billion in investment across Africa, mainly focused on improving data coverage and services.

Some governments appear to be having second thoughts.

Zambia’s proposed levy on internet calls, announced in August, did not make it into the new budget approved last month.

And just three days after Benin introduced its social media tax to widespread public outcry, the government cancelled it, on the grounds it created “instability in the sector’s economy which harms the interest of consumers”.

Uganda’s mobile money tax was introduced as 1 percent levy “on receiving, payments and withdrawals”. Museveni later said the rate was 0.5 percent and applied just to withdrawals. Parliament corrected the law but the president has not enacted the revised text.

While kiosk owners and some of their clients in big cities are struggling on, Kirya said his colleagues operating mobile money kiosks in rural areas had simply shut up shop.

“With this tax everything is getting complicated,” he said.

($1 = 3,788.0000 Ugandan shillings)

($1 = 568.2200 CFA francs)

Additional reporting by Allegresse Sasse in Cotonou, Chris Mfula in Lusaka and Mathieu Rosemain in Paris; editing by Philippa Fletcher

Source link

The post Tax byte: Africans fear trend towards levies on data, services appeared first on Today News Stories.

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[digitalconvo]

Cocoa Market: Global Industry Analysis, Size, Trends, Growth

Global Cocoa market: Overview

Cocoa is a fatty bean obtained from the plant, Theobroma cocoa. This plant seed is dried and fermented, and subsequently processed further to extract cocoa powder, cocoa oil, cocoa butter, cocoa liqueur and other solids. The demand for cocoa is set to increase due to its use in chocolate, primarily.  However, note that Cocoa beans are not only demanded for their unique flavor, but also because they are known to have high flavonoid concentrations, which are known to be beneficial to people with cardiovascular problems.

As per TMRR, the market would grow at a sturdy growth rate, compounded annually, pushing forward lucrative growth opportunities for market players. Another outcome into which the growth would translate to is a higher valuation of the global cocoa market.

Get Brochure of the Report @  https://www.tmrresearch.com/sample/sample?flag=B&rep_id=6691

Global Cocoa Market: Notable Developments

Major players in the cocoa market are inclined towards sustainability and certification for their cocoa products. Players’ focus on new product development for portfolio diversification and tapping into new consumer bases has also been noted in the past. Certain examples of the same are cited below:

In October 2016, Blommer Chocolate Company, U.S., announced its plan to procure only certified cocoa from 2020 onwards in order to adhere to cocoa industry standards. In December 2015, Nestlé U.K. & Ireland announced their plans to use only certified sustainable cocoa to improve product quality of chocolate-based products from January 2016 onwards.

In September 2015, Ghana’s Cocoa Research Institute introduced a new variety of cocoa with new fine flavors, including floral, fruit, herbal, wood nuts and caramelized notes with chocolate bases. These new flavors are set to increase demand in this market, given people’s preferences for new flavors.

Request For Discount @https://www.tmrresearch.com/sample/sample?flag=D&rep_id=6691

Prominent players in the cocoa market include-

The Barry Callebaut Group

The Hershey Company

Nestlé S.A.

Cargill Incorporated

Puratos Group

Cémoi

Mars, Incorporated

Blommer Chocolate Company

Meiji Holdings Company, Ltd.

Carlyle Cocoa

Jindal Cocoa

United Cocoa Processor.

Global Cocoa market: Key Trends and Drivers

The cocoa market is largely driven by the increasing demand for chocolate and chocolate coatings around the world. Some of the most popular products where cocoa is utilized are sweet chocolate, dark chocolate, drinking chocolate, milk chocolate, and baking chocolate.

However, health concerns related to high sugar-content utilized world over in most cocoa-based products are expected to hamper the market’s growth to certain extent. Demand for organic products is gaining traction with consumers seeking to avoid consumption of harmful chemicals.

The increasing consumption of chocolate confectionary is strongly linked to the affordability of consumers. As the disposable income of consumers increase in the world’s advanced economies and the per capita income of consumers in emerging nations continue to rise, particularly in Africa, and Asia Pacific, cocoa consumption seems set to increase in the future.

Global Cocoa market: Regional Analysis

Cocoa beans are produced in tropical zones around the Equator, where climatic conditions are well suited for growing cocoa trees. About 70 percent of the world’s cocoa beans come from four African countries: Ivory Coast, Ghana, Nigeria and Cameroon. Cocoa is also considered to be one of the most important cash crops by the farmers in regions such as Africa, Latin America and South East Asia. Among the South East Asian countries, Indonesia is a major producer of cocoa.

Cocoa Market Segments:

By Product Type

Cocoa Beans

Cocoa Butter

Cocoa Powder & Cake

Cocoa Paste & Liquor

Chocolate

By Application

Confectionery

Food & Beverages

Cosmetics

Pharmaceutical

Get Table of Content of the Report @https://www.tmrresearch.com/sample/sample?flag=T&rep_id=6691

About TMR Research:

TMR Research is a premier provider of customized market research and consulting services to business entities keen on succeeding in today’s supercharged economic climate. Armed with an experienced, dedicated, and dynamic team of analysts, we are redefining the way our clients’ conduct business by providing them with authoritative and trusted research studies in tune with the latest methodologies and market trends.

Contact:

TMR Research,

3739 Balboa St # 1097,

San Francisco, CA 94121

United States

Tel: +1-415-520-1050

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