OXFORD BUSINESS GROUP Oxford Business Group is a global research and advisory company producing business intelligence on more than 35 countries. Every business intelligence product is based on in-country research by experienced analysts. Find out more about OBG. In this Growth & Recovery video, powered by technical solutions provider and engineering firm JESA, we COVID-19 AND MEDICAL TOURISM: IS A RECOVERY ON THE CARDS Economic News. 4 Feb 2021. – Before the pandemic, medical tourism was a major growth area. – Dubai was a world leader among emerging market destinations. – Covid-19 travel bans and lockdowns seriously dented growth. – Increased emphasis on safety has enabled a gradual re-opening. Prior to the outbreak of coronavirus, medical tourism was COVID-19 AND GULF HIGHER EDUCATION: ARE E-LEARNING Stay updated on how some of the world’s most promising markets are being affected by the Covid-19 pandemic, and what actions governments and private businesses are taking to mitigate challenges and ensure their long-term growth story continues. COVID-19 IN THE PHILIPPINES: THE END OF BRANCH BANKING The BSP has also set its sights on more ambitious digital banking targets as a result of the Covid-19 disruption, with its governor, Benjamin Diokno, telling a virtual fintech forum in May that the share of digital transactions should reach at least 50% by the end of his

term in

AGRICULTURE IN AFRICA 2021: FOCUS REPORT Agriculture remains one of the most important economic sectors for the continent, employing the majority of the population and accounting for 14% of GDP in sub-Saharan Africa. The Agriculture in Africa 2021: Focus Report outlines the region’s export potential and food security challenges, and explores how the creation of the African COVID-19 AND FINTECH: MYANMAR'S CHANCE TO EXPAND FINANCIAL Myanmar has seen an increase in financial technology (fintech) and digital payment offerings since the outbreak of the coronavirus pandemic, raising hopes for the expansion of financial inclusion in a country where banking penetration remains below the regional average. – After falling significantly in 2020, oil prices have returned to pre-pandemic levels – The rise has been driven by OPEC+ production cuts and an improving economic climate RESEARCH & ANALYSIS [NODE:FIELD From The Report: Egypt 2020. The largest of its kind in North Africa, Egypt’s banking sector has also long been seen as one of the most stable in the region. Since 2010 the industry has overcome the challenges of political revolution, currency crises and an interest rate environment that has acted as THAILAND ENERGY SECTOR INVESTMENT ANALYSIS & RESEARCH In its April 2018 Economic Monitor for Thailand, the World Bank reported that GDP growth accelerated to 3.9% in 2017, from 0.91% in 2014, 2.94% in 2015 and 3.23% in 2016. This was the fastest expansion since the 7.24% recorded in 2012, and was driven by strong global growth, increased export revenue and a modest recovery in private

consumption.

Price is characterised by high-volume, low-cost sales and is predominantly a cash-based retailer with around 18.8% of sales on credit. This is a relatively low credit offering in comparison to its clothing peers. The first Mr. Price store opened in 1987. As of the first half of 2012, the company owns 944 stores, of which 67 are

situated beyond

OXFORD BUSINESS GROUP Oxford Business Group is a global research and advisory company producing business intelligence on more than 35 countries. Every business intelligence product is based on in-country research by experienced analysts. Find out more about OBG. In this Growth & Recovery video, powered by technical solutions provider and engineering firm JESA, we COVID-19 AND MEDICAL TOURISM: IS A RECOVERY ON THE CARDS Economic News. 4 Feb 2021. – Before the pandemic, medical tourism was a major growth area. – Dubai was a world leader among emerging market destinations. – Covid-19 travel bans and lockdowns seriously dented growth. – Increased emphasis on safety has enabled a gradual re-opening. Prior to the outbreak of coronavirus, medical tourism was COVID-19 AND GULF HIGHER EDUCATION: ARE E-LEARNING Stay updated on how some of the world’s most promising markets are being affected by the Covid-19 pandemic, and what actions governments and private businesses are taking to mitigate challenges and ensure their long-term growth story continues. COVID-19 IN THE PHILIPPINES: THE END OF BRANCH BANKING The BSP has also set its sights on more ambitious digital banking targets as a result of the Covid-19 disruption, with its governor, Benjamin Diokno, telling a virtual fintech forum in May that the share of digital transactions should reach at least 50% by the end of his

term in

AGRICULTURE IN AFRICA 2021: FOCUS REPORT Agriculture remains one of the most important economic sectors for the continent, employing the majority of the population and accounting for 14% of GDP in sub-Saharan Africa. The Agriculture in Africa 2021: Focus Report outlines the region’s export potential and food security challenges, and explores how the creation of the African COVID-19 AND FINTECH: MYANMAR'S CHANCE TO EXPAND FINANCIAL Myanmar has seen an increase in financial technology (fintech) and digital payment offerings since the outbreak of the coronavirus pandemic, raising hopes for the expansion of financial inclusion in a country where banking penetration remains below the regional average. – After falling significantly in 2020, oil prices have returned to pre-pandemic levels – The rise has been driven by OPEC+ production cuts and an improving economic climate RESEARCH & ANALYSIS [NODE:FIELD From The Report: Egypt 2020. The largest of its kind in North Africa, Egypt’s banking sector has also long been seen as one of the most stable in the region. Since 2010 the industry has overcome the challenges of political revolution, currency crises and an interest rate environment that has acted as THAILAND ENERGY SECTOR INVESTMENT ANALYSIS & RESEARCH In its April 2018 Economic Monitor for Thailand, the World Bank reported that GDP growth accelerated to 3.9% in 2017, from 0.91% in 2014, 2.94% in 2015 and 3.23% in 2016. This was the fastest expansion since the 7.24% recorded in 2012, and was driven by strong global growth, increased export revenue and a modest recovery in private

consumption.

Price is characterised by high-volume, low-cost sales and is predominantly a cash-based retailer with around 18.8% of sales on credit. This is a relatively low credit offering in comparison to its clothing peers. The first Mr. Price store opened in 1987. As of the first half of 2012, the company owns 944 stores, of which 67 are

situated beyond

OXFORD BUSINESS GROUP Oxford Business Group is a global research and advisory company producing business intelligence on more than 35 countries. Every business intelligence product is based on in-country research by experienced analysts. Find out more about OBG. In this Growth & Recovery video, powered by technical solutions provider and engineering firm JESA, we TOWARDS A “BLUE” RECOVERY: WHAT DOES THE BLUE ECONOMY Around the world, emerging nations with significant maritime resources are advancing plans to develop their respective blue economies, with a view to boosting short-term recoveries from coronavirus as well as longer-term economic diversification. 7TH GREEN SHIPPING SUMMIT 2021 Wisdom is proud to announce its 7th edition of the Green Shipping Summit taking place virtually on 8 and 9 September 2021. The shipping sector has long been in the spotlight for its detrimental impact on the environment – ships’ engines emit sulfur oxides (SOx),

nitrogen

CAN AGRICULTURAL INSURANCE HELP GUARANTEE POST-PANDEMIC In a world in which radical climatic events are increasingly affecting farm production, agricultural insurance is coming to be seen as a key

solution for

IS NIGERIA’S START-UP ECOSYSTEM THE KEY TO THE COUNTRY’S A recent report has highlighted the significant potential of Nigeria’s burgeoning tech start-up scene, but also outlined a series of limitations that need to be addressed for the segment to emerge as a true engine of the country’s recovery from Covid-19. HYDROGEN INDUSTRIAL SERIES 2021 Given the success of the Global Hydrogen Industrial Series, Wisdom is excited to announce the Hydrogen Industrial Series - Europe, taking place virtually on 7 July 2021. BIOGAS NORTH AMERICA 2021 FORUM Wisdom is proud to announce the 3rd edition of its Biogas North America Forum taking place virtually on 22 June 2021. The forum will welcome RNG and biogas industry experts and decision-makers from across the US and Canada to share, learn and collaborate on the latest innovations, strategic approaches, actionable legislation, and future trends in the industry. REPORT: IDENTIFYING OPPORTUNITIES IN MEXICO’S MIDSTREAM In early 2020 the global economy faced a historic oil price drop in conjunction with global restrictions that curtailed transport and economic activity – both of which depressed demand for hydrocarbons at the national and global level. REPORT: HOW CAN WEST AFRICA BOOST ITS TEXTILE AND GARMENT Stay updated on how some of the world’s most promising markets are being affected by the Covid-19 pandemic, and what actions governments and private businesses are taking to mitigate challenges and ensure their long-term growth story continues. Register now and also receive a complimentary 2-month REPORT: IDENTIFYING OPPORTUNITIES IN MEXICO’S MIDSTREAM Stay updated on how some of the world’s most promising markets are being affected by the Covid-19 pandemic, and what actions governments and private businesses are taking to mitigate challenges and ensure their long-term growth story continues OXFORD BUSINESS GROUP Oxford Business Group is a global research and advisory company producing business intelligence on more than 35 countries. Every business intelligence product is based on in-country research by experienced analysts. Find out more about OBG. In this Growth & Recovery video, powered by technical solutions provider and engineering firm JESA, we COVID-19 AND MEDICAL TOURISM: IS A RECOVERY ON THE CARDS Economic News. 4 Feb 2021. – Before the pandemic, medical tourism was a major growth area. – Dubai was a world leader among emerging market destinations. – Covid-19 travel bans and lockdowns seriously dented growth. – Increased emphasis on safety has enabled a gradual re-opening. Prior to the outbreak of coronavirus, medical tourism was AGRICULTURE IN AFRICA 2021: FOCUS REPORT Agriculture remains one of the most important economic sectors for the continent, employing the majority of the population and accounting for 14% of GDP in sub-Saharan Africa. The Agriculture in Africa 2021: Focus Report outlines the region’s export potential and food security challenges, and explores how the creation of the African AFTER COVID-19, WHAT IS NEXT FOR ISLAMIC BANKING? S&P anticipates that the volume of issuance will reach $10bn in 2020, against the $162bn seen in 2019. Nevertheless, there have been signs that the pandemic could prompt an expansion in the role of sukuk. In June, for example, the Islamic Development Bank (IsDB) raised $1.5bn with its first-ever Sustainability Sukuk, designed to aid the TRINIDAD & TOBAGO ENERGY RESEARCH & ANALYSIS 2020 From The Report: Trinidad & Tobago 2020. Hydrocarbons have long been the primary driver of Trinidad and Tobago’s economy. Indeed, T&T is the largest oil and gas producing country in the Caribbean, with the energy sector contributing around 45% to GDP, according to the RESEARCH & ANALYSIS [NODE:FIELD From The Report: Egypt 2020. The largest of its kind in North Africa, Egypt’s banking sector has also long been seen as one of the most stable in the region. Since 2010 the industry has overcome the challenges of political revolution, currency crises and an interest rate environment that has acted as THE REPORT: [NODE:FIELD_PUBLICATION_YEAR The Report: Morocco 2020. Morocco’s economy is poised to continue along its trajectory of economic growth, but GDP expansion rates will depend on the policy choices made by the government. Although estimates by the IMF project that annual growth rates will reach 4.5% in 2024, there is still the matter of ensuring that GDP growth

translates

Price is characterised by high-volume, low-cost sales and is predominantly a cash-based retailer with around 18.8% of sales on credit. This is a relatively low credit offering in comparison to its clothing peers. The first Mr. Price store opened in 1987. As of the first half of 2012, the company owns 944 stores, of which 67 are

situated beyond

COVID-19 AND MEDICAL TOURISM: IS A RECOVERY ON THE CARDS Economic News. 4 Feb 2021. – Before the pandemic, medical tourism was a major growth area. – Dubai was a world leader among emerging market destinations. – Covid-19 travel bans and lockdowns seriously dented growth. – Increased emphasis on safety has enabled a gradual re-opening. Prior to the outbreak of coronavirus, medical tourism was AFTER COVID-19, WHAT IS NEXT FOR ISLAMIC BANKING? S&P anticipates that the volume of issuance will reach $10bn in 2020, against the $162bn seen in 2019. Nevertheless, there have been signs that the pandemic could prompt an expansion in the role of sukuk. In June, for example, the Islamic Development Bank (IsDB) raised $1.5bn with its first-ever Sustainability Sukuk, designed to aid the AGRICULTURE IN AFRICA 2021: FOCUS Agriculture remains one of the most important economic sectors for the continent, employing the majority of the population and accounting for 14% of GDP in sub-Saharan Africa. The Agriculture in Africa 2021: Focus Report outlines the region’s export potential and food security challenges, and explores how the creation of the African RESEARCH & ANALYSIS [NODE:FIELD From The Report: Egypt 2020. The largest of its kind in North Africa, Egypt’s banking sector has also long been seen as one of the most stable in the region. Since 2010 the industry has overcome the challenges of political revolution, currency crises and an interest rate environment that has acted as TRINIDAD & TOBAGO ENERGY RESEARCH & ANALYSIS 2020 From The Report: Trinidad & Tobago 2020. Hydrocarbons have long been the primary driver of Trinidad and Tobago’s economy. Indeed, T&T is the largest oil and gas producing country in the Caribbean, with the energy sector contributing around 45% to GDP, according to the THE REPORT: [NODE:FIELD_PUBLICATION_YEAR The Report: Ghana 2020. The government of President Nana Akufo-Addo assumed power on a promise to take “Ghana Beyond Aid”, and is pushing ahead with initiatives to formalise the economy, diversify its manufacturing base and overhaul its taxation structure. Ghana’s ability to retain fiscal discipline will be tested, with

election-related

However, income from oil and hydrocarbons production is subject to tax at rates ranging from 50% to 85% depending on the amount of investment. Non-residents that provide services in Saudi Arabia without having a PE or branch are subject to withholding tax ranging

from 5%

RESEARCH & ANALYSIS [NODE:FIELD From The Report: Philippines 2021. Tourism played a central role in the Philippines’ economic development in the years leading to 2020, and an increasing emphasis on sustainability underscores the sector’s importance for the coming years. While the popular island of Boracay has long drawn tourists, local authorities continue work to RESEARCH & ANALYSIS [NODE:FIELD Upgrades in transport and logistics infrastructure have been key to driving economic growth in Morocco in recent years. As the country develops and urban areas expand, the interconnectivity of economic centres and efficient connections to the rest of the world will be paramount to supporting the growth of other sectors, such as agriculture, manufacturing and tourism. COVID-19 AND MEDICAL TOURISM: IS A RECOVERY ON THE CARDS Economic News. 4 Feb 2021. – Before the pandemic, medical tourism was a major growth area. – Dubai was a world leader among emerging market destinations. – Covid-19 travel bans and lockdowns seriously dented growth. – Increased emphasis on safety has enabled a gradual re-opening. Prior to the outbreak of coronavirus, medical tourism was HOW WILL THE MICE SEGMENT SURVIVE COVID-19? As with the majority of Covid-19-related adaptations, it remains to be seen whether changes in the MICE segment will remain once the health threat has subsided. “A swift pivot to online platforms can virtually bridge some of the interactive gaps caused by restrictions on mass congregations, and should therefore help to soften the blow of TOWARDS A “BLUE” RECOVERY: WHAT DOES THE BLUE ECONOMY Around the world, emerging nations with significant maritime resources are advancing plans to develop their respective blue economies, with a view to boosting short-term recoveries from coronavirus as well as longer-term economic diversification. COVID-19 IN THE PHILIPPINES: THE END OF BRANCH BANKING The BSP has also set its sights on more ambitious digital banking targets as a result of the Covid-19 disruption, with its governor, Benjamin Diokno, telling a virtual fintech forum in May that the share of digital transactions should reach at least 50% by the end of his

term in

CAN AGRICULTURAL INSURANCE HELP GUARANTEE POST-PANDEMIC In a world in which radical climatic events are increasingly affecting farm production, agricultural insurance is coming to be seen as a key

solution for

IS NIGERIA’S START-UP ECOSYSTEM THE KEY TO THE COUNTRY’S 1 day ago · A recent report has highlighted the significant potential of Nigeria’s burgeoning tech start-up scene, but also outlined a series of limitations that need to be addressed for the segment to emerge as a true engine of the country’s recovery from

Covid-19.

REPORT: IDENTIFYING OPPORTUNITIES IN MEXICO’S MIDSTREAM 1 day ago · Stay updated on how some of the world’s most promising markets are being affected by the Covid-19 pandemic, and what actions governments and private businesses are taking to mitigate challenges and ensure their long-term growth story continues REPORT: IDENTIFYING OPPORTUNITIES IN MEXICO’S MIDSTREAM In early 2020 the global economy faced a historic oil price drop in conjunction with global restrictions that curtailed transport and economic activity – both of which depressed demand for hydrocarbons at the national and global level. GHANA ICT RESEARCH & ANALYSIS 2019 With one of the region’s highest levels of mobile data penetration and a thriving start-up scene, Ghana’s ICT sector is one of the most active parts of the economy, and the government recognises that ICT is a central economic driver and enabler, becoming increasingly active in its support of the industry, while also working to tackle new threats such as cybercrime in its goal of developing INDIA ECONOMIC & FOREIGN INVESTMENT ANALYSIS Stay updated on how some of the world’s most promising markets are being affected by the Covid-19 pandemic, and what actions governments and private businesses are taking to mitigate challenges and ensure their long-term growth story continues. COVID-19 AND MEDICAL TOURISM: IS A RECOVERY ON THE CARDS Economic News. 4 Feb 2021. – Before the pandemic, medical tourism was a major growth area. – Dubai was a world leader among emerging market destinations. – Covid-19 travel bans and lockdowns seriously dented growth. – Increased emphasis on safety has enabled a gradual re-opening. Prior to the outbreak of coronavirus, medical tourism was AFTER COVID-19, WHAT IS NEXT FOR ISLAMIC BANKING? S&P anticipates that the volume of issuance will reach $10bn in 2020, against the $162bn seen in 2019. Nevertheless, there have been signs that the pandemic could prompt an expansion in the role of sukuk. In June, for example, the Islamic Development Bank (IsDB) raised $1.5bn with its first-ever Sustainability Sukuk, designed to aid the AGRICULTURE IN AFRICA 2021: FOCUS Agriculture remains one of the most important economic sectors for the continent, employing the majority of the population and accounting for 14% of GDP in sub-Saharan Africa. The Agriculture in Africa 2021: Focus Report outlines the region’s export potential and food security challenges, and explores how the creation of the African RESEARCH & ANALYSIS [NODE:FIELD From The Report: Egypt 2020. The largest of its kind in North Africa, Egypt’s banking sector has also long been seen as one of the most stable in the region. Since 2010 the industry has overcome the challenges of political revolution, currency crises and an interest rate environment that has acted as TRINIDAD & TOBAGO ENERGY RESEARCH & ANALYSIS 2020 From The Report: Trinidad & Tobago 2020. Hydrocarbons have long been the primary driver of Trinidad and Tobago’s economy. Indeed, T&T is the largest oil and gas producing country in the Caribbean, with the energy sector contributing around 45% to GDP, according to the THE REPORT: [NODE:FIELD_PUBLICATION_YEAR The Report: Ghana 2020. The government of President Nana Akufo-Addo assumed power on a promise to take “Ghana Beyond Aid”, and is pushing ahead with initiatives to formalise the economy, diversify its manufacturing base and overhaul its taxation structure. Ghana’s ability to retain fiscal discipline will be tested, with

election-related

However, income from oil and hydrocarbons production is subject to tax at rates ranging from 50% to 85% depending on the amount of investment. Non-residents that provide services in Saudi Arabia without having a PE or branch are subject to withholding tax ranging

from 5%

RESEARCH & ANALYSIS [NODE:FIELD From The Report: Philippines 2021. Tourism played a central role in the Philippines’ economic development in the years leading to 2020, and an increasing emphasis on sustainability underscores the sector’s importance for the coming years. While the popular island of Boracay has long drawn tourists, local authorities continue work to RESEARCH & ANALYSIS [NODE:FIELD Upgrades in transport and logistics infrastructure have been key to driving economic growth in Morocco in recent years. As the country develops and urban areas expand, the interconnectivity of economic centres and efficient connections to the rest of the world will be paramount to supporting the growth of other sectors, such as agriculture, manufacturing and tourism. COVID-19 AND MEDICAL TOURISM: IS A RECOVERY ON THE CARDS Economic News. 4 Feb 2021. – Before the pandemic, medical tourism was a major growth area. – Dubai was a world leader among emerging market destinations. – Covid-19 travel bans and lockdowns seriously dented growth. – Increased emphasis on safety has enabled a gradual re-opening. Prior to the outbreak of coronavirus, medical tourism was AFTER COVID-19, WHAT IS NEXT FOR ISLAMIC BANKING? S&P anticipates that the volume of issuance will reach $10bn in 2020, against the $162bn seen in 2019. Nevertheless, there have been signs that the pandemic could prompt an expansion in the role of sukuk. In June, for example, the Islamic Development Bank (IsDB) raised $1.5bn with its first-ever Sustainability Sukuk, designed to aid the AGRICULTURE IN AFRICA 2021: FOCUS Agriculture remains one of the most important economic sectors for the continent, employing the majority of the population and accounting for 14% of GDP in sub-Saharan Africa. The Agriculture in Africa 2021: Focus Report outlines the region’s export potential and food security challenges, and explores how the creation of the African RESEARCH & ANALYSIS [NODE:FIELD From The Report: Egypt 2020. The largest of its kind in North Africa, Egypt’s banking sector has also long been seen as one of the most stable in the region. Since 2010 the industry has overcome the challenges of political revolution, currency crises and an interest rate environment that has acted as TRINIDAD & TOBAGO ENERGY RESEARCH & ANALYSIS 2020 From The Report: Trinidad & Tobago 2020. Hydrocarbons have long been the primary driver of Trinidad and Tobago’s economy. Indeed, T&T is the largest oil and gas producing country in the Caribbean, with the energy sector contributing around 45% to GDP, according to the THE REPORT: [NODE:FIELD_PUBLICATION_YEAR The Report: Ghana 2020. The government of President Nana Akufo-Addo assumed power on a promise to take “Ghana Beyond Aid”, and is pushing ahead with initiatives to formalise the economy, diversify its manufacturing base and overhaul its taxation structure. Ghana’s ability to retain fiscal discipline will be tested, with

election-related

However, income from oil and hydrocarbons production is subject to tax at rates ranging from 50% to 85% depending on the amount of investment. Non-residents that provide services in Saudi Arabia without having a PE or branch are subject to withholding tax ranging

from 5%

RESEARCH & ANALYSIS [NODE:FIELD From The Report: Philippines 2021. Tourism played a central role in the Philippines’ economic development in the years leading to 2020, and an increasing emphasis on sustainability underscores the sector’s importance for the coming years. While the popular island of Boracay has long drawn tourists, local authorities continue work to RESEARCH & ANALYSIS [NODE:FIELD Upgrades in transport and logistics infrastructure have been key to driving economic growth in Morocco in recent years. As the country develops and urban areas expand, the interconnectivity of economic centres and efficient connections to the rest of the world will be paramount to supporting the growth of other sectors, such as agriculture, manufacturing and tourism. COVID-19 AND MEDICAL TOURISM: IS A RECOVERY ON THE CARDS Economic News. 4 Feb 2021. – Before the pandemic, medical tourism was a major growth area. – Dubai was a world leader among emerging market destinations. – Covid-19 travel bans and lockdowns seriously dented growth. – Increased emphasis on safety has enabled a gradual re-opening. Prior to the outbreak of coronavirus, medical tourism was HOW WILL THE MICE SEGMENT SURVIVE COVID-19? As with the majority of Covid-19-related adaptations, it remains to be seen whether changes in the MICE segment will remain once the health threat has subsided. “A swift pivot to online platforms can virtually bridge some of the interactive gaps caused by restrictions on mass congregations, and should therefore help to soften the blow of COVID-19 IN THE PHILIPPINES: THE END OF BRANCH BANKING The BSP has also set its sights on more ambitious digital banking targets as a result of the Covid-19 disruption, with its governor, Benjamin Diokno, telling a virtual fintech forum in May that the share of digital transactions should reach at least 50% by the end of his

term in

RESEARCH & ANALYSIS [NODE:FIELD From The Report: Philippines 2021. Tourism played a central role in the Philippines’ economic development in the years leading to 2020, and an increasing emphasis on sustainability underscores the sector’s importance for the coming years. While the popular island of Boracay has long drawn tourists, local authorities continue work to GHANA ICT RESEARCH & ANALYSIS 2019 With one of the region’s highest levels of mobile data penetration and a thriving start-up scene, Ghana’s ICT sector is one of the most active parts of the economy, and the government recognises that ICT is a central economic driver and enabler, becoming increasingly active in its support of the industry, while also working to tackle new threats such as cybercrime in its goal of developing After years of planning the Philippines’ universal health care (UHC) system is operative, strengthened by collaboration and the expertise of the private sector. CONSTRUCTION PROJECTS IN PNG INCREASINGLY BEING DEVELOPED China’s Belt and Road Initiative (BRI) is becoming one of the main drivers of construction activity in Papua New Guinea. Local media reported that China has overtaken Australia as the largest donor to the South Pacific region, pledging $4bn in 2017; however, the nation’s growing presence in the region has also raised some

concerns.

– The G20 has recently approved a $650bn expansion of SDRs – The funds will play a key role in financing ongoing Covid-19 responses – Developed nations may forgo their SDR allocations in favour of

emerging markets

RESEARCH & ANALYSIS [NODE:FIELD From The Report: Indonesia 2020. Indonesia’s large and relatively young population, coupled with a fast-growing middle class and high levels of consumer confidence, has been a key driver of expansion in retail and e-commerce. Physical retail spaces remain prevalent, with Target Ceiling. The government has set up the Salaries and Remuneration Commission (SRC) to study the issue and oversee a transition to a harmonised salary scales framework, setting the target ceiling for government wages at 7% of GDP. While the current level is less than one percentage point higher, it also represents about 50% of

tax income.

AFTER COVID-19, WHAT IS NEXT FOR ISLAMIC BANKING? S&P anticipates that the volume of issuance will reach $10bn in 2020, against the $162bn seen in 2019. Nevertheless, there have been signs that the pandemic could prompt an expansion in the role of sukuk. In June, for example, the Islamic Development Bank (IsDB) raised $1.5bn with its first-ever Sustainability Sukuk, designed to aid the RESEARCH & ANALYSIS [NODE:FIELD From The Report: Egypt 2020. The largest of its kind in North Africa, Egypt’s banking sector has also long been seen as one of the most stable in the region. Since 2010 the industry has overcome the challenges of political revolution, currency crises and an interest rate environment that has acted as OMAN'S HEALTH VISION 2050 TO PROVIDE HIGH-QUALITY SERVICESSEE MORE ON OXFORDBUSINESSGROUP.COM GHANA ICT RESEARCH & ANALYSIS 2019 With one of the region’s highest levels of mobile data penetration and a thriving start-up scene, Ghana’s ICT sector is one of the most active parts of the economy, and the government recognises that ICT is a central economic driver and enabler, becoming increasingly active in its support of the industry, while also working to tackle new threats such as cybercrime in its goal of developing However, income from oil and hydrocarbons production is subject to tax at rates ranging from 50% to 85% depending on the amount of investment. Non-residents that provide services in Saudi Arabia without having a PE or branch are subject to withholding tax ranging

from 5%

GHANA: PRIVATE OPPORTUNITIES IN REAL ESTATE Ghana’s growing population, buoyant economy and favourable investment environment make its real estate market increasingly dynamic. In spite of complicated issues over local lending and land ownership, demand for housing spans the entire spectrum of the population, from wealthy Ghanaians and a growing number of expatriates through a rising middle class to lower-income groups. TRINIDAD AND TOBAGO'S PUBLIC AN OVERVIEW OF PERU'S BUSINESS TAXATION REGULATIONS The following provides an account of the Peruvian corporate and personal tax laws of most interest to international and local investors. Corporate Entities The various types of corporations that can be utilised by investors for business activities are regulated via the General Corporate Law. Below are the corporation types most commonly established. CONSTRUCTION PROJECTS IN PNG INCREASINGLY BEING DEVELOPED China’s Belt and Road Initiative (BRI) is becoming one of the main drivers of construction activity in Papua New Guinea. Local media reported that China has overtaken Australia as the largest donor to the South Pacific region, pledging $4bn in 2017; however, the nation’s growing presence in the region has also raised some

concerns.

BAHRAIN INSURANCE RESEARCH & ANALYSIS 2019 The growth of new firms and the consolidation of older players are helping the sector advance. With 36 insurance and reinsurance companies in operation as of December 2017, Bahrain’s insurance sector is well developed, particularly when taking into account the size of the economy by both GCC and emerging market standards. The market comprised 14 conventional locally incorporated firms AFTER COVID-19, WHAT IS NEXT FOR ISLAMIC BANKING? S&P anticipates that the volume of issuance will reach $10bn in 2020, against the $162bn seen in 2019. Nevertheless, there have been signs that the pandemic could prompt an expansion in the role of sukuk. In June, for example, the Islamic Development Bank (IsDB) raised $1.5bn with its first-ever Sustainability Sukuk, designed to aid the RESEARCH & ANALYSIS [NODE:FIELD From The Report: Egypt 2020. The largest of its kind in North Africa, Egypt’s banking sector has also long been seen as one of the most stable in the region. Since 2010 the industry has overcome the challenges of political revolution, currency crises and an interest rate environment that has acted as OMAN'S HEALTH VISION 2050 TO PROVIDE HIGH-QUALITY SERVICESSEE MORE ON OXFORDBUSINESSGROUP.COM GHANA ICT RESEARCH & ANALYSIS 2019 With one of the region’s highest levels of mobile data penetration and a thriving start-up scene, Ghana’s ICT sector is one of the most active parts of the economy, and the government recognises that ICT is a central economic driver and enabler, becoming increasingly active in its support of the industry, while also working to tackle new threats such as cybercrime in its goal of developing However, income from oil and hydrocarbons production is subject to tax at rates ranging from 50% to 85% depending on the amount of investment. Non-residents that provide services in Saudi Arabia without having a PE or branch are subject to withholding tax ranging

from 5%

GHANA: PRIVATE OPPORTUNITIES IN REAL ESTATE Ghana’s growing population, buoyant economy and favourable investment environment make its real estate market increasingly dynamic. In spite of complicated issues over local lending and land ownership, demand for housing spans the entire spectrum of the population, from wealthy Ghanaians and a growing number of expatriates through a rising middle class to lower-income groups. TRINIDAD AND TOBAGO'S PUBLIC AN OVERVIEW OF PERU'S BUSINESS TAXATION REGULATIONS The following provides an account of the Peruvian corporate and personal tax laws of most interest to international and local investors. Corporate Entities The various types of corporations that can be utilised by investors for business activities are regulated via the General Corporate Law. Below are the corporation types most commonly established. CONSTRUCTION PROJECTS IN PNG INCREASINGLY BEING DEVELOPED China’s Belt and Road Initiative (BRI) is becoming one of the main drivers of construction activity in Papua New Guinea. Local media reported that China has overtaken Australia as the largest donor to the South Pacific region, pledging $4bn in 2017; however, the nation’s growing presence in the region has also raised some

concerns.

BAHRAIN INSURANCE RESEARCH & ANALYSIS 2019 The growth of new firms and the consolidation of older players are helping the sector advance. With 36 insurance and reinsurance companies in operation as of December 2017, Bahrain’s insurance sector is well developed, particularly when taking into account the size of the economy by both GCC and emerging market standards. The market comprised 14 conventional locally incorporated firms AFTER COVID-19, WHAT IS NEXT FOR ISLAMIC BANKING? S&P anticipates that the volume of issuance will reach $10bn in 2020, against the $162bn seen in 2019. Nevertheless, there have been signs that the pandemic could prompt an expansion in the role of sukuk. In June, for example, the Islamic Development Bank (IsDB) raised $1.5bn with its first-ever Sustainability Sukuk, designed to aid the The onset of a coronavirus-induced global recession has affected both labour markets and financial flows across the world. At the confluence of these two are remittances, which have increasingly been among the top contributors to GDP in many emerging markets over recent decades. TRINIDAD & TOBAGO ENERGY RESEARCH & ANALYSIS 2020 From The Report: Trinidad & Tobago 2020. Hydrocarbons have long been the primary driver of Trinidad and Tobago’s economy. Indeed, T&T is the largest oil and gas producing country in the Caribbean, with the energy sector contributing around 45% to GDP, according to the Ministry of Energy and Energy OXFORD BUSINESS GROUP 2 February 2021. In this Global Platform video, Víctor Gobitz, CEO of Peruvian mining company Antamina, discusses how the industry is leveraging new technologies while prioritising the development of highland communities. These focuses converge THE REPORT: [NODE:FIELD_PUBLICATION_YEAR The Report: Papua New Guinea 2020. The economic downturn resulting from lower global commodity prices and the completion of the PNG LNG project means the future of Papua New Guinea must be navigated with care. The country possesses plentiful natural resources, which, given effective management, could provide new revenue to spur

diversification

TRINIDAD AND TOBAGO'S PUBLIC Many of the health indicators for Trinidad & Tobago are similar to those of developed countries. Well over 90% of the population has access to clean drinking water and proper sanitation. Regarding childbirth – one of the key health benchmarks for emerging markets – nearly all expectant mothers make at least four doctor visits before giving birth, and virtually all births in the country are AGRI-BUSINESS OPPORTUNITIES IN COLOMBIA CONTINUE TO GROW With vast natural resources, a diverse climate and varied topography, agri-business opportunities abound as Colombia’s role as a global food supplier continues to grow. According to the UN Food and Agriculture Organisation (FAO), Colombia receives the most rainfall of any Latin American country and ranks 10th globally for precipitation. Its varied elevations also provide for growing a number

MR. PRICE: RETAIL

Mr. Price is characterised by high-volume, low-cost sales and is predominantly a cash-based retailer with around 18.8% of sales on credit. This is a relatively low credit offering in comparison to its clothing peers. The first Mr. Price store opened in 1987. As of the first half of 2012, the company owns 944 stores, of which 67 are

situated

BRUNEI DARUSSALAM ECONOMIC & FOREIGN INVESTMENT ANALYSIS The halal industry is expected to be one of Brunei Darussalam’s strongest economic diversifiers. Indeed it is hoped the Sultanate will come to be regarded as a serious player in expanding the global halal market, estimated to be worth an annual $2.1trn. The current tax rates in Brunei Darussalam MOROCCO TRANSPORT SECTOR INVESTMENT ANALYSIS & RESEARCH Large public investment in Morocco’s physical infrastructure in recent years has contributed to the expansion of domestic transport and logistics. The construction of 1800 km of new expressways, expansion of the rail network, and development of logistics and industrial zones has led to a sharp

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TUNISIA'S EDUCATION SECTOR TO BE OVERHAULED

TUNISIA EDUCATION

OVERVIEW

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Facebook Twitter LinkedIn In the decades following independence from French colonialism, Tunisia was among the countries with the highest investment in education in the region. This enabled the North African country to introduce important legal changes, such as compulsory basic education, which led to high enrolment and literacy rates. Indeed, according to the UNESCO Institute for Statistics, in 2015 Tunisia’s literacy rate stood at 96.6% among 15-24 year olds. However, facing deteriorating quality standards and high unemployment rates among young graduates, authorities are now looking to overhaul the education and vocational training system with a series of upcoming reform measures that could significantly change the face of Tunisia’s education system in the

coming years.

BASICS

The basic education system consists of nine years of schooling divided into two stages: primary school, which lasts six years, and preparatory or lower-secondary school, which lasts an additional three years. At the end of the nine-year cycle, students must pass a national exam to obtain a certificate. The successful candidates then move on to four years of upper-secondary school, of which the first half focuses on a general curriculum and the second half is spent specialising in an academic or vocational area. In the early 1990s the Tunisian government enacted new education legislation, which among other things made basic education free and compulsory from ages 6 to 16. This enabled the country to make significant progress in terms of enrolment rates. According to UNESCO data, in 2015 gross enrolment rates surpassed 100% at the primary level and 88% at the secondary level. Since the 1970s classes have been taught in Modern Standard Arabic. However, some science and technical subjects are taught in French, following the introduction of the language from the age of eight

onwards.

POST-SECONDARY EDUCATION At the end of post-secondary school, students must pass the _examen_ national du baccalauréat in order to access public universities. Those that fail are awarded a certificate of completion, which they can use to access private higher education institutions or vocational

training.

Tunisia’s higher education system has grown substantially since its early days. In 1960 the government passed a higher education law that led to the establishment of the University of Tunis, created initially to oversee all existing institutes, faculties and schools in the country. The university was subsequently separated into three institutions in 1988, all under the same name. According to a 2014 report by the British Council entitled “Education in North Africa”, Tunisia has about 198 public higher education institutions, 63 private high education institutions, 24 technical institutions and six higher institutes for teacher training. By 2015 the higher education system had grown to accommodate over 500,000 students, an increase from 17,000 in 1975. Higher education is overseen by the Ministry of Higher Education and Scientific Research (Ministère de l’Enseignement Supérieur et de la Recherche Scientifique, MESRS), and since 2006 mirrors the French and European model of licence-master-doctorate, also known as bachelors-master-doctorate. Meanwhile, vocational training is overseen by the Ministry of Vocational Training and Employment via the Tunisian Agency for Vocational Training, which manages 136 vocational training centres offering specialties in 244 areas. According to a 2014 OECD report, between 2001 and 2011 the number of students in public vocational training centres more than tripled from 29,000 to 94,000.

PRIVATE SYSTEM

As a result of the nationalisation of education after independence from France, public institutions continue to serve the vast majority of Tunisian students. Nonetheless, private education has experienced significant growth over the past two decades. According to Kamel Braham, programme leader at the World Bank, “Private primary education has been around for a while and is very much in demand. However, private secondary education only truly exists to give a second chance to those who might not have made it to the final

diploma.”

At the higher education level, the private system has seen significant development since the 2000s with the introduction of Law No. 2000-73, whereby the MESRS recognises diplomas awarded by secondary-level private institutions. According to MESRS, the private higher education system expanded to reach 63 institutions in 2016, serving some 30,000 students – roughly 8% of the student population. About half of private institutions are geared towards engineering programmes. “Private universities are flourishing as public sector universities face quality and governance issues,” Leila Triki, dean of the Mediterranean School of Business (MSB), told OBG. That said, the government did not start recognising nor regulating the private higher education sector until the 1990s. “Still today, government regulations regarding the private sector are imperfect, and it remains difficult for private universities to be fully accredited and in control of their curriculum,” Braham told OBG. “The private sector has to face government opposition on the basis of the principle of free education for all.”

MAJOR PLAYERS

Among the private institutions recently established is the American University in Tunis, inaugurated in 2015. The university is a partnership between the local private Université Montplaisir Tunis and three US universities: Clayton State University, the University of Michigan and Savannah State University. Founded in 2002 as the country’s only English-speaking university, MSB is one of the oldest private universities in the sector. The school provides the only Executive MBA delivered by a Tunisian university and is internationally accredited by the London-based Association of MBAs. “Private higher education in North Africa remains a huge opportunity for those who are willing to invest in it,” Triki told OBG. Additionally, MSB focuses on soft skills development – a recurring gap in the higher education system – through teamwork, initiative, entrepreneurship, communication and leadership skills development. According to MSB’s dean, 90% of the school’s graduates are able to find a job within six months of graduation. Another major player in the sector since its establishment in 2003 is private engineering school Ecole Supérieure Privée d’Ingénierie et de Technologies (ESPRIT). According to the institution, 15% of Tunisian engineers and 20% of ICT professionals are ESPRIT graduates. ESPRIT is also known for its dual-degree programmes with French scientific and technical universities, including Paris-Dauphine, Polytech Nice Sophia, Télécom Lille 1 and Télécom Montpellier.

REFORM PLAN

In the aftermath of the 2011 revolution, Tunisian authorities are working to introduce a series of reforms as part of the Strategic Plan for the Education Sector 2016-20. The five-year plan aims to improve quality standards through improved teacher training, upgraded curricula and infrastructure, as well as an enhanced framework for private sector partnerships. According to local media reports, the reform measures will cost an estimated TD4.1bn (€1.7bn). “Due to the way the current system is, our students have to ask for a local accreditation in order for their degree to be recognised,” Triki

told OBG.

The upcoming measures include the introduction of a preparatory year prior to the first year of primary schooling, according to local media reports. The school calendar is also set to be overhauled, with Neji Jalloul, then-minister of education, announcing in August 2016 that the academic schedule would be reorganised from a trimester to a semester system, a measure set to extend the number of teaching days

from 130 to 193.

The comprehensive reform package is also expected to respond to the most pressing challenges currently facing the country at both the basic and secondary levels, in particular high dropout rates, a lack of infrastructure and low quality standards. Indeed, Ministry of Education statistics suggest that as many as 100,000 students stop their studies prematurely on an annual basis. Moreover, Tunisia performed poorly in the OECD’s Programme for International Student Assessment 2015, ranking 64th out of 69 countries in science and reading, and in 66th place in maths. At the higher education level, the MESRS launched the National Dialogue On Education Reform in 2015, an initiative that is bringing together the concerned ministries, universities, teachers’ unions and students to address four key issues: governance, university life, curriculum development and scientific research. The national dialogue follows the announcement of a 10-year tertiary educational development plan, known as the Strategic Plan for the Reform of Higher Education and Scientific Research 2015-25. The plan is based on five main objectives: improving the quality of teaching and thus the employability of new graduates; promoting research and innovation; fostering good governance and optimising resource management; reviewing university planning to ensure regional balance; and developing teachers’ training. As part of the 10-year reform strategy, the government is looking to increase programme relevance, improve the regulatory framework for the private sector and increase university autonomy. “Beyond these reforms, the government should look into developing public-private partnerships,” Braham told OBG. “Doing so would improve the private sector’s ability to grow and would benefit the public sector in terms of quality of education and variety of educational

offerings.”

To help support Tunisia’s reforms to improve its education and vocational training system, the country is receiving financial assistance from the World Bank, which pledged $70m for the Tertiary Education for Employability Project in February 2016. The project aims to help facilitate the development of employer-sponsored internships and career guidance, in an attempt to help lower youth unemployment

rates.

Addressing the growing disconnect between educational outcomes and labour market needs is a priority. While, according to UNESCO – labour market conditions have deteriorated since 2011. The unemployment rate among young people with a higher-education qualification is particularly high, reaching 19.4% and 40.4% for men and women, respectively, in the third quarter of 2016, according to the National Institute of Statistics (Institut National de la

Statistique, INS).

In its 2015 report entitled “Investing in Youth, Tunisia”, the OECD noted that, “There is a clear hierarchy in the different tracks of education in Tunisia, with the prevailing logic of selection, manifested in rigid tracking in secondary education and high-stakes examinations .” According to the organisation, this “sends a message that vocational education and training should only cater for a minority of students who have been unsuccessful academically ... also perpetuates the widespread preference for academic programmes.”

ENGLISH SKILLS

English-language skills are increasingly recognised as a key tool to increase Tunisian youth employability, not only in Tunisia but also abroad. In early 2016 the authorities began launching a major drive to boost English-language skills. To that end, the MESRS and the British Council signed an agreement in January of the same year to reinforce English-language teaching in public universities by providing students with internationally recognised training and certifications. In addition to MSB, which teaches exclusively in English, Tunisian students can access English-language teaching through Tunis Business School, a public university opened in 2010; the British Council; and Amideast, a US-based private non-profit organisation. Moreover, classes at the British School of Tunis, the International School of Carthage and the American Cooperative School of Tunis are taught in English, and are an option for parents wishing to immerse their children in an English-speaking environment. The Graduate School of Aeronautics and Technology (École Supérieure de l’Aéronautique et des Technologies, ESAT), an engineering and pilot training institute, has also been working on improving its students’ English level through some English teaching, short training sessions in Malta, the TOEIC/TOEFL exams and the opportunity to spend a year in the US under the Fulbright Scholar programme. “Not all students come to our institute with a good level of English,” Abderrazek Ben Amara, president and founder of ESAT, told OBG. “However, we provide opportunities for them to improve it and are now looking at spreading this opportunity beyond our institute to other institutes in Tunis.”

ICT

To improve the quality of teaching and research, Tunisia is investing in digital technology to support higher education. Already in 2002, the country launched the Virtual University of Tunis, whose initial mandate extended to integrating information and communications technologies into the higher education sector. Since its creation, the Virtual University of Tunis has grown into a massive open online course (MOOC) provider, both for its own departments in social sciences and arts, as well as for other Tunisian universities, who can use the platform to design their own MOOCs. Increased ICT usage is a key goal of the current reform effort. The Ministry of Education recently signed an agreement with the Francophone University Association with a view towards opening a national e-learning institute to train certified teachers in remote teaching and ICT tools. Moreover, the Tunisian National ICT Federation has also begun working on the Digital Talent Programme, a joint initiative with the International Finance Corporation, aimed at developing an ICT Capabilities Observatory to monitor employability criteria, as well as an ICT academy to ensure adequate training.

OUTLOOK

Though Tunisia’s education policies since independence have led to high enrolment rates at the basic education level and a sharp increase in literacy rates, almost six decades after independence the need for reform is undeniable. With unemployment among Tunisia’s youth on the rise, aligning educational outcomes with labour market needs is now key to ensuring not only improved labour market conditions, but also increased social stability during the country’s democratic transition. In this context, improved career guidance and greater emphasis on both hard and soft skills training, including English-language skills, will be vital to raise employability levels among Tunisia’s youth. Facebook Twitter LinkedIn Request reuse or reprint of article YOU HAVE REACHED THE LIMIT OF PREMIUM ARTICLES YOU CAN VIEW FOR

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