OK Zimbabwe Limited (OKZ.zw) listed on the Zimbabwe Stock Exchange under the Retail sector has released it’s 2018 interim results for the half year.For more information about OK Zimbabwe Limited (OKZ.zw) reports, abridged reports, interim earnings results and earnings presentations, visit the OK Zimbabwe Limited (OKZ.zw) company page on AfricanFinancials.Document: OK Zimbabwe Limited (OKZ.zw) 2018 interim results for the half year.Company ProfileOK Zimbabwe Limited is a leading retail group in Zimbabwe with a product range that extends from groceries and houseware products to clothing and textiles. The inaugural branch was opened in Harare (then Salisbury) in 1942 and today, is one of the most recognised supermarket brands in Zimbabwe. The company trades under various branded store names, including OK stores, Bon Marché and OKMart. OK Zimbabwe sells products in its grocery range under its own home brand; OK Pot ‘O Gold, OK Value, Shoppers’ Choice and Bon Marché Premier Choice labels. OK Zimbabwe Limited operates approximately 61 retail outlets throughout Zimbabwe and owns subsidiaries that complement its diverse product offering; Eriswell (Private) Limited, Swan Technologies (Private) Limited and Winterwest (Private) Limited. OK Zimbabwe Limited is listed on the Zimbabwe Stock Exchange
Lloyds Banking Group (LSE: LLOY) is a share that offers income and value investors plenty to get excited about. At least on paper, that is.Predictions of more dividend growth in 2020 create a giant 6% yield. The bank trades on a rock-bottom P/E ratio of 8.3 times too. Sure, annual profits will fall 2% this year, but they’ll rebound in 2021. Or so say City brokers.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…Corporate punishmentI’m not getting excited by Lloyds at current prices, though. And I don’t think that you should either. The FTSE 100 firm has seen revenues fall and bad loans tick higher as the UK economy has steadily cooled. And judging by recent lending activity, it looks like the banking sector is expecting things to get worse in 2020.Bank of England data this week has shown that the country’s lenders are continuing to reduce corporate lending. A reading of -9.2 for the three months ending November 2019 was the third successive quarterly fall on the spin. It was also the worst reading since the depths of the 2008/09 financial crisis.Threadneedle Street expects risk appetite from the likes of Lloyds to remain subdued for the foreseeable future too. It’s predicting that the credit supply to business will contract again in the three months to February 2020.Brexit bother!And it’d be a stretch to expect their lending appetite to recover following the passing of recent Brexit legislation. Under current law, either a trade accord with the European Union will be drawn up and signed off by the end of the year — an extremely-tough ask given the complexities of these processes — or the UK will accept an economically-disruptive no-deal exit.I certainly wouldn’t expect Lloyds to turn the credit taps on from the second quarter, at which point there will be just 10 months left until that December 31 deadline. Regardless of its intentions though, it’s hardly a given that the demand will be there for the ‘black horse bank’ to start increasing lending again.Demand is dippingAccording to the BoE’s Credit Conditions survey, credit demand from business also fell during the fourth quarter of 2019. And in a further sign that individuals, like corporations, are becoming more risk-averse, Britain’s banks saw secured lending for the purposes of house purchase drop in the three-month period, as well as demand for unsecured lending like credit cards.One final thing: the BoE expects credit demand for both home purchase and for remortgaging purposes to fall in the current quarter. As the country’s biggest mortgage provider (Statista says that Lloyds controls around 16% of the market, giving it the largest share of any single lender), this threatens to be a major problem.So give Lloyds a miss, I say. There’s a galaxy of safer dividend stocks to buy on the Footsie today, some of which offer mightier dividends than the battered bank. Royston Wild has no position in any of the shares mentioned. The Motley Fool UK has recommended Lloyds Banking Group. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! See all posts by Royston Wild Simply click below to discover how you can take advantage of this. I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Enter Your Email Address Image source: Getty Images. Our 6 ‘Best Buys Now’ Shares Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. “This Stock Could Be Like Buying Amazon in 1997” Sub-10 P/E ratios and 6% dividend yields! Is Lloyds too good to miss in 2020? Royston Wild | Saturday, 18th January, 2020 | More on: LLOY I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. 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Off to a flyer: Kirill Golosnitskiy scored the opening try of RWC2019 (Getty Images) Russian Standards: A look at the state of rugby in Russia ACCORDING TO Sport in the Soviet Union, a 1980 book by Victor and Jennifer Louis, rugby was on the up there in 1958. By 1960, they write, “Leather melon” drew 100 teams from 30 cities to compete in the Soviet championship while finishing schools for both coaches and athletes were springing up.As the book goes, “In 1962 alone, ten new teams were formed in Georgia, four appeared in Tadjikistan (sic), and four in Uzbekistan.”Between 1978 and 1989, the Soviet Union would beat Italy nine times. They toppled Romania three times between 1985 and 1989. In 1988 they beat the USA, 31-16 in Moscow.Yet the authors added: “It seemed in the early 1960s rugby was burgeoning throughout the Soviet Union, but today it is clear the game is played, above all, by students and mostly in Moscow.”That was 1980. Change was inevitable upon the collapse of the Soviet Union.Though Russia played in a second World Cup this year – their first outing was in 2011 – they have known struggles in the game since the Nineties began. And more significantly, while Krasnoyarsk in Siberia holds firm as a rugby heartland and former Soviet state Georgia continues to love rugby, the huge Russian metropolis of Moscow had to start over in the modern era.Positive: Russia took credit from their loss to Ireland in 2011 (Getty Images)“I am 48 but I started playing at the age of 11 in Moscow,” says Piotr Khutiev, a lock or No 8 who played for Spartak Moscow in the Soviet era. He is now tied to the Moscow Dragons, a social side where he has served as president.“During the Soviet time, everyone was ‘amateur’ but really professional – the high-level teams had salaries but they were officially working for some company. There was no social rugby. There was no idea that when you finished school or university you could play just for fun. There was the option to play ‘professionally’ or not at all.“But after the close of the Soviet Union we started to play more social rugby.“At the fall of the Soviet Union, there was no money for rugby, only for Olympic sports. In Moscow, for example, we lost four ‘professional’ clubs – all of them were very good, champions of the Soviet Union.“We basically started from new.”Related: Japan 30-10 Russia in Rugby World Cup openerIf you look at where the Russian game is said to be now, the official figures suggest that things have built since that “new” start. World Rugby’s most recent participation figures (given in their review of 2018), claim that the number of registered players in Russia is 28,158, with total players given as 108,566. If you trust the numbers, this suggests that since the 2016 figures came out, 2,600 more players have registered in Russia and 10,356 more people have played.Khutiev says the numbers playing social rugby have climbed in the past ten years. He says free-to-air coverage of the 2003 and 2007 World Cups laid the groundwork and then Russia being in the 2011 tournament added oomph.Winning the crowd: Russia fans in 2011 (Getty Images)According to a source who was with Russia in 2011, that group was realistic enough to know losses were coming their way, but the aim was to make the official World Rugby highlights reel after the tournament concluded. Despite losing every game they did just that, thanks to a fine try and dedication to attacking rugby.Yet speak to some within Russian rugby and there is talk of a hangover from the union being run with rank inefficiency and shady operating down the years. They suggest this has only been properly addressed in the past 18 months, with a new regime coming in. The union is now headed by Vladimir Putin’s minister for the anti-monopolies service, the constructive Igor Artemyev.Many praise an increase in on-field standards for the national team over the past year, but they’re coming from a low base. The Bears lost to Romania and Georgia four times in four years, Spain three times (they beat them once) and USA twice. Canada are the only RWC qualifier they beat between 2016 and going to Japan, and in warm-ups they were bested by Jersey and Connacht.World Cup qualification was a surprise lift, as they took Romania’s place amid a player eligibility fiasco. World Rugby would go on to give high-performance support.So what has the legacy been post-2011? Alan Moore, the sports host on Capital FM Moscow, takes a hard stance, saying: “Despite the efforts of some clubs and aficionados, rugby doesn’t register on the sporting radar, except in Krasnoyarsk where the sport trails a distant fourth behind football, bandy (a winter sport similar to hockey) and ice hockey.“Where there were small sprouts of growth, in regions where rugby could easily take hold, develop and then flourish, it was killed off by box-ticking.“Pick four to six cities or towns where ex-players are living – check. Bring down a few lads from Moscow for the weekend – check. Hold a clinic and give out a few jerseys and balls – check. Come back a few months later to organise a one-day blitz – check. Then forget… but remember to get paid. Follow Rugby World on Facebook, Instagram and Twitter. LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS The Bears played in only their second Rugby World Cup, but what is support for the game like in the largest country on the planet? And how can Russia’s rugby improve? This feature first appeared in Rugby World in October. “Rugby is a hard sell, not least for a perceived lack of professionalism and some of the shadier characters knocking about. Add in the appalling lack of promotion and it’s only ever going to grab a few second- or third-generation players, passers-by or outliers.”Moore is at one end of the spectrum, but even Khutiev concedes other sports dwarf rugby in popularity. He adds: “The problem is growth. We have people eager to play and train but we are short of qualified coaches, qualified referees. Infrastructure is a problem. And it is difficult to find a club to train with.“Now we have to invite foreign coaches over – a big problem in Russia. Yes, we need to coach coaches. The union is starting to do it but it takes a long time.”Floored: Enisei conceded over 100 points to Bristol last season (Getty Images)In talking to James Campbell, an Irish consultant who spent 18 years in Moscow and who advises EPCR on operations in Russia, it is suggested that you will only get around 1,000 or maybe 1,500 spectators at a pro game.He goes on: “Only about 5% of the population of Moscow will be into rugby. About 15-20% of Krasnoyarsk will, but they play it there. That’s why I proposed they get into the schools and that’s what (president) Artemyev is doing. Women’s sevens is going well and Krasnodar is an improving area. They (the union) are going the right way about it.”Take the winless 2019 World Cup out of the equation and for those in love with rugby there is hope that things will climb. Slowly.Kiwi coach Phil Werahiko, former director of rugby at Belvedere College in Ireland, tells Rugby World that he was pleasantly surprised by the skill levels he found when taking over Rugby Premier League side Kuban, in Krasnodar. The team have shone, in a region where it’s hoped rugby will rapidly grow. They’ve claimed scalps of heralded Siberian sides.In elite Russian rugby, logistics can be stressful and the daily politics a tangle. Scouting vast lands is difficult and the ‘development’ of players and coaches, as well as tactical awareness, will always be key. But Werahiko is positive.Related: The challenges Enisei have faced in EuropeKirill Kulemin, the former Bears lock who is now high-performance manager, also tells us that the Premier League is increasing from eight teams to ten next season, with CSKA Moscow and Kazan joining up. He is already casting his eyes ahead to the 2023 World Cup.Considering plans for rugby standards to swell in certain areas, he says: “We’d like to bring (more) to European parts, particularly in big cities like Moscow and Saint Petersburg. We are particularly targeting the Moscow region. And don’t forget the South, where we can train all year (during extreme cold elsewhere).“It’s also difficult for (elite) teams in Europe to play when you aren’t at home. Enisei from Krasnoyarsk can’t play at home all this year (in the Challenge Cup). They have to play in Sochi or Krasnodar, a five-hour flight from their base.“But I don’t think the future for us is the European competitions. It is really difficult for players to travel all year. Most in the national team today are away from home for quite a while.“Maybe the future for us is to create our own competition in Eastern Europe. This is the plan. It would involve Russian clubs, Georgians, maybe Romanians, the German clubs. It is in discussion but it is difficult to say just now.”Good will: Despite losses, Russia won over neutrals in Japan (Getty Images)Kulemin also explains the changes that have occurred under union president Artemyev, saying: “We cannot hide from the fact his name has attracted many more sponsors than before. He tries to develop rugby in more regions around Russia. Not only for high-performance coordination but to develop rugby in the army, which is a good idea.“He wants to make it more popular, to have people recognise the sport. But the main thing is the finance he’s brought and management resources as well.”Sponsors like Aeroflot have helped hugely. The union has plans for big cities a few time zones closer to Europe. More than 14 months ago, a few union-backed rugby academies were set up within famous sporting clubs in Moscow.Khutiev concludes: “I’m really positive about rugby in Russia.”You could dig into Olympic sevens versus 15s, Test losses or the logistics of servicing a truly huge nation. But for now, let’s watch and wait with Piotr…This feature first appeared in Rugby World in October. Let us know any subjects you would like covered by emailing [email protected]
Photographs Projects Houses CopyAbout this officeDRTAN LM ArchitectOfficeFollowProductsSteelConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesKuala LumpurMalaysiaPublished on March 22, 2016Cite: “8D House / DRTAN LM Architect” 21 Mar 2016. ArchDaily. Accessed 11 Jun 2021.
AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Advertisement 17 total views, 1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Tagged with: Recruitment / people Howard Lake | 8 March 2003 | News About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving. Joanna Motion to lead CASE international operations Joanna Motion, executive director of CASE Europe, has been appointed vice president for international operations at CASE, the Council for Advancement and Support of Education.Motion, who will based in London, will be reponsible for leading international initiatives in over 44 countries, including the development, management, and delivery of new programmes for advancement professionals around the globe.
The HelpFirefox website set up to raise funds through selling pixel adverts has gone down after it proved too popular with would-be donors.According to ZDNet UK, a statement on the site said: “The first 24 hours of this site has been a true success, with more than 13 800 pixels being sold. We have to take down the site for now but we hope to be back as soon as possible.”Pixels adverts are being sold on the site at $1 each to raise funds to further the development of the open source web browser Firefox. Advertisement Tagged with: Digital Howard Lake | 16 January 2006 | News Firefox fundraising site “too popular” The site is trying to emulate the success of British student Alex Tew and his Million Dollar Homepage. 15 total views, 1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving.
AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis 27 total views, 1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Tagged with: corporate Funding Community organisations in Halifax and Bradford are being invited to apply for grants from a fund established by a locally-based environmental firm.Organisations that work with children and young people and focus on sporting, educational, cultural and environmental projects are eligible for awards from £2,500 to more than £20,000 from the Leo Group Community Fund.Application forms and guidelines for making a submission are available from [email protected] The deadline for completed application forms for the current round of fundinig is Friday June 27 2014.The fund, which was set up in 2011, has previously funded projects such as a library of tactile books for visually impaired pupils at Chellow Heights Special School in Bradford , and diamond jubilee polo shirts for pupils at St Anthony’s Catholic Primary School. Howard Lake | 23 April 2014 | News Yorkshire youth charities eligible for community grants About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving.
DMA announces new committee to promote responsible marketing Melanie May | 7 September 2016 | News 110 total views, 2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis5 Tagged with: best practice Direct Marketing About Melanie May Melanie May is a journalist and copywriter specialising in writing both for and about the charity and marketing services sectors since 2001. She can be reached via www.thepurplepim.com. AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis5 The DMA has launched The Responsible Marketing Committee to set out its policies on the responsibilities of marketers and to define what constitutes responsible behaviour.The committee will be chaired by Skip Fidura, client services director at dotmailer and DMA Board Member. Other members of the committee include managing director at Bow & Arrow Andy Grant, chair of the Direct Marketing Commission George Kidd, MD at Governor Technology and Founder & MD at Optanon Gilbert Hill, CEO at emocial Jacques Prothon, head of innovation at Future Foundation Josh McBain, partner at Osborne Clarke Nick Johnson, deliverability and compliance director at RedEye Tim Roe, as well as the DMA’s head of preference services, compliance and legal John Mitchison and MD Rachel Aldighieri.The new committee will also be the custodians of The DMA Code, to ensure that it remains fit for purpose to protect the long-term health of the marketing industry amidst changing customer views and societal expectations around its core principles.As part of the Responsible Marketing Committee’s remit, it will also collaborate with the IDM to ensure responsible marketing is the foundation of all relevant course curricula. It will also be the focus of managing the DMA relationship with the Direct Marketing Commission and working together on the evolution of the Code to ensure it is robust and enforceable. The committee will also take on the responsibilities of the Governance Committee, which was disbanded earlier in the year.Fidura said:“In an ever-changing marketing landscape, it is more important than ever that we are able to identify the areas where marketing practice may be at odds with societal norms and expectations. This new committee takes Responsible Marketing as not just a name, but as the core of everything we do.Whether it is identifying potential risks, offering guidance or setting policy, we will work with the DMA group, regulators and the industry as a whole to establish the DMA’s position on the responsibilities of marketers and define what constitutes responsible behaviour.” 109 total views, 1 views today Advertisement
Supporters of political prisoner Mumia Abu-Jamal took their campaign demanding life-saving drugs for him and 10,000 other Pennsylvania prisoners suffering from chronic hepatitis C virus (HCV) to Philadelphia’s City Council on Jan. 21.The protesters carried signs urging the Council, and newly elected Mayor James Kenney, to investigate the obstacles and inequities people face in accessing the costly antiviral medications that cure the deadly disease. Demonstrators also called on city officials to end their multimillion dollar contract with Corizon Health to manage health care in Philadelphia’s jails.The group distributed a flier to city officials and audience members on the dangers of untreated HCV. It also addressed Corizon’s deadly pattern and practice of withholding medical care in order to save money and maximize profits.The denial of health care to the state’s prisoners eventually impacts urban communities as prisoners return home. An estimated 45,000 people in Philadelphia already have hep C. Left untreated, the virus causes liver disease and other complications that are fatal.In 2013, the U.S. Food and Drug Administration approved Sovaldi, a new direct-acting antiviral drug. However, it costs $84,000 for a 12-week treatment course. Gilead Sciences, which controls sale of the drug, subsequently marketed Harvoni, Sovaldi’s successor, at $94,000 per treatment course.Because of the high costs, less than 3 percent of Medicaid enrollees are able to receive the new cures. Very few prisoners with hep C can get these medications.While not allowed to raise their demands from the floor of the Council meeting, protesters arranged for a meeting with some of its members. They also received broad support from members of Philadelphia’s Muslim community who were at the Council meeting to push for the city’s school district to recognize and observe Muslim holidays.FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare this