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Ogunsanya O: The Death of A Practice

The Death of A Practice

How to Avoid Practice Failure

Dans cet essai, l'auteur propose une analyse lucide et engagée des fondements de l'entrepreneuriat africain, en plaçant les petites et moyennes entreprises (PME) au cœur des stratégies de développement du continent. Véritables piliers des économies africaines, les PME contribuent massivement à la création d'emplois, à l'innovation locale et à la résilience sociale, tout en demeurant confrontées à des obstacles structurels persistants. L'essai démontre que les politiques de promotion de l'entrepreneuriat, longtemps construites selon une logique institutionnelle descendante, peinent à produire des effets durables. Trop souvent, les entrepreneurs sont perçus comme de simples bénéficiaires de dispositifs d'aide, alors qu'ils devraient être reconnus comme des acteurs centraux et des co-concepteurs des stratégies publiques. Cette marginalisation freine l'autonomie entrepreneuriale et limite l'impact réel des politiques de soutien. S'appuyant sur une analyse rigoureuse des réalités économiques africaines, l'auteur met en lumière les spécificités juridiques, sociales et culturelles des PME, souvent ignorées par des cadres normatifs importés et inadaptés. Il plaide pour une refondation des politiques de promotion, fondée sur l'éducation entrepreneuriale, l'appropriation d'une idéologie de croissance adaptée aux contextes locaux et la mise en place d'un environnement juridique sécurisé. L'essai insiste également sur l'importance de l'accompagnement post-création et du renforcement des structures d'incubation, afin de permettre aux entrepreneurs de surmonter les difficultés liées à la mise en œuvre de leurs projets. À cet égard, l'émergence d'un droit spécifique aux PME en Afrique apparaît comme une perspective incontournable pour favoriser la formalisation, la croissance et la pérennité des entreprises. En définitive, cet essai invite décideurs publics, entrepreneurs et partenaires au développement à repenser en profondeur les politiques de promotion de l'entrepreneuriat africain, afin d'en faire un véritable moteur de transformation durable, d'innovation et de croissance inclusive au service du continent.

De l'Autonomie à la Transformation des Politiques de Promotion

Essai sur l'Entrepreneuriat Africain

This practical guide walks New Mexicans through the car accident claims process from crash scene to settlement. Written in plain English, it explains how to document an accident, navigate insurance claims, understand medical treatment and billing, and recognize when a case may require legal help.
The book covers New Mexico's unique legal landscape, including the state's mandatory minimum coverage requirements, uninsured and underinsured motorist protections, and the rules governing fault and compensation. Readers learn how insurance adjusters evaluate claims, what factors affect case value, and how to avoid common mistakes that reduce settlements.
Designed for people with no legal background, the guide emphasizes informed participation over passive reliance on professionals. It provides sample documents, realistic timelines, and clear action steps throughout. The goal is simple: help readers understand their rights and work effectively with insurance companies and attorneys to reach fair outcomes.

A 505 Legal Guide

New Mexico Car Accident Claims

Governments around the world are privatizing everything, with dramatic but largely ignored negative consequences for human rights. This open access book outlines the response that is urgently needed. Corporations are being given control over water, healthcare, housing, public transportation, child welfare services, aged care, and much else. Privatization is promoted by international financial institutions, consulting firms, and development actors as the answer to public finances devastated by the very tax cuts insistently pushed by these groups. Their pitch is based upon a mythology that extols the virtues of an idealized market while ignoring the heavy human rights costs incurred. Building on the latest evidence and on specially commissioned case studies, this book shows how the touted 'efficiency' of the private sector is often predicated on higher charges and/or reduced services, destructive employment practices, and the highly predictable exclusion of many users. Privatization generally costs states more money, marginalizes democratic decision-making, and transforms citizens from rights-holders into customers while sidelining accountability. The authors develop an approach designed to enable human rights actors, including courts, UN treaty monitoring bodies, and NGOs to move beyond their longstanding agnosticism towards privatization. It starts with a presumption that privatization is inherently retrogressive in human rights terms. Whatever mix of public and private is reflected in any given arrangement, governments must retain the degree of control necessary to ensure respect for rights, and the legal, financial and administrative ability to do so. The book charts a new direction for responding to the ever-growing threat that privatization poses to human rights. The ebook editions of this book are available open access under a CC BY 4.0 licence on bloomsburycollections.com.

Destroying the Social Contract and Empowering Corporate Actors

Privatizing Human Rights

As transport speed increases and global trade intensifies, contracts for the carriage of goods and attendant relationships are becoming more complex. This publication looks at the theoretical background of the bill of lading as well as its application in practice.

Third Parties' Rights and Liabilities under Bills of Lading

Legal Regulation of AI and Sex Discrimination in Employment

Providing everything you need to know about the law governing gambling in the UK, an expert team offers practical guidance covering all key areas.

Smith and Monkcom on the Law of Gambling

Ken Pedeleose spent more than 35 years inside the U.S. Department of Defense, rising to the level of Subject Matter Expert in cost analysis and contract negotiations. His mission was simple: protect American taxpayers from fraud, price gouging, and waste in defense contracting. But when his investigations began exposing systemic corruption, what followed was not reform it was retaliation.

The Cost of Weaponized Government and Lawfare

The Principles of Equity & Trusts

Exploring sexuality and what constitutes appropriate sexual behaviours in South Africa and Zimbabwe, this book views sexuality as an instrument of social regulation and traces the historical continuities between colonialism and current debates.A powerful look at the key elements of gender relations, post-colonial nationhood and sexual rights, this book is an invaluable legal reference resource for all those interested in the interface between sexuality, gender and the law.

The Legacy of Venus Monstrosa

Sexuality and the Politics of Rights in Southern Africa

Fiches de Droit des procédures civiles d'exécution

Outlines the urgent response needed to address privatization, which has led to dramatic but largely overlooked consequences for human rights.

The Psychology of Money
The Psychology of Money: Unveiling the Secrets of Financial Behavior by Dr. Maxwell Shimba is not a conventional personal finance manual promising get-rich-quick schemes or secret stock tips. Rather, it is a profound interdisciplinary excavation of the human relationship with money, drawing from behavioral economics, neuroscience, clinical psychology, sociology, and philosophy. The book's central thesis is revolutionary yet simple: money is fundamentally a psychological artifact, a vessel into which we pour our deepest fears, hopes, identities, and narratives. Every financial decision-from the mundane morning coffee purchase to the monumental retirement portfolio allocation-is a window into our internal world, shaped by childhood imprints, cultural conditioning, and ancient neural wiring. Dr. Shimba systematically dismantles the myth of Homo economicus, the perfectly rational actor, and replaces it with a far more complex and compassionate portrait of the human being navigating an increasingly complex financial landscape.
The book is structured as an expedition through ten interconnected territories of financial psychology, beginning with the foundational architecture of the money mindset. Dr. Shimba guides readers through an archaeological dig of their earliest money memories, the cognitive biases that systematically distort judgment, and the emotional underpinnings-fear, greed, regret, shame-that often override our best intentions. The work is grounded in rigorous scholarship, from Kahneman and Tversky's Prospect Theory to the neuroscientific mapping of the brain on money, yet it remains intensely practical. Each chapter builds upon the last, moving from individual psychology into the powerful currents of social influence, the intricate dance between money and meaning, and the psychological preparation required for life's great transitions: marriage, parenthood, career volatility, and retirement. The twenty-year case study contrasting Michael's scarcity mindset with David's abundance orientation serves as a haunting, instructive parable of how internal architecture shapes external destiny.
What distinguishes this work from other books on financial psychology is its unflinching engagement with the frontiers of our moment. Dr. Shimba devotes substantial attention to the digital transformation of money-the algorithmic agents now co-piloting our investment decisions, the frictionless interfaces that have anesthetized the "pain of paying," the ethical quagmires of fintech dark patterns and algorithmic bias, and the psychological challenges of the gig economy and cryptocurrency speculation. Yet the book never succumbs to technological determinism or Luddite nostalgia. Instead, it charts a third path: the way of the Integrator, who possesses dual citizenship in both the Digital Republic of algorithmic fluency and the Republic of Inner Experience, where timeless human values reside. The future of money psychology, Dr. Shimba argues, is not a prediction but a practice-the daily, disciplined integration of the Technologist and the Philosopher-Psychologist.

The Psychology of Money - WORKBOOK

The Death of A Practice

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