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118-553: Ilala Municipal Council was one of the first 38 Local Government Authorities to undergo restructuring as part of phase one of the Local Government Reform Programme (LGRP) in order to meet the qualities required by the Local Government Act No. 6 of 1999, which aims to devolve political, legal, administrative, and financial powers to local authorities. Ilala Municipal Council was established in 1992, following

236-787: A lord of the manor with a Roman Catholic church and priest. Thanks to the exchange with the Al-Andalus where the Arab Agricultural Revolution was underway, European agriculture transformed, with improved techniques and the diffusion of crop plants, including the introduction of sugar, rice, cotton and fruit trees (such as the orange). After 1492, the Columbian exchange brought New World crops such as maize, potatoes, tomatoes, sweet potatoes , and manioc to Europe, and Old World crops such as wheat, barley, rice, and turnips , and livestock (including horses, cattle, sheep and goats) to

354-412: A bank account is considered indispensable by most businesses and individuals. Non-banks that provide payment services such as remittance companies are normally not considered as an adequate substitute for a bank account. Banks issue new money when they make loans. In contemporary banking systems, regulators set a minimum level of reserve funds that banks must hold against the deposit liabilities created by

472-466: A combination of labor supply and labor demand trends have driven down the share of population employed in agriculture. During the 16th century in Europe, between 55 and 75% of the population was engaged in agriculture; by the 19th century, this had dropped to between 35 and 65%. In the same countries today, the figure is less than 10%. At the start of the 21st century, some one billion people, or over 1/3 of

590-558: A decade of poor performance by the old Dar es Salaam City Council, which caused the government to organize a probe team that produced the Mulokozi Report. Following this analysis, the government decided to reform Dar es Salaam's local government system in 1993. In 1996, the government disbanded the City Council and established the Dar es Salaam City Commission as an interim administration with

708-664: A hazardous industry, and farmers worldwide remain at high risk of work-related injuries, lung disease, noise-induced hearing loss , skin diseases, as well as certain cancers related to chemical use and prolonged sun exposure. On industrialized farms , injuries frequently involve the use of agricultural machinery , and a common cause of fatal agricultural injuries in developed countries is tractor rollovers . Pesticides and other chemicals used in farming can be hazardous to worker health , and workers exposed to pesticides may experience illness or have children with birth defects. As an industry in which families commonly share in work and live on

826-444: A high use of inputs (water, fertilizer, pesticide and automation). It is practiced mainly in developed countries. From the twentieth century onwards, intensive agriculture increased crop productivity. It substituted synthetic fertilizers and pesticides for labor, but caused increased water pollution, and often involved farm subsidies. Soil degradation and diseases such as stem rust are major concerns globally; approximately 40% of

944-416: A higher level of living. Between 2002 and 2012, the municipality's population density went from an average of 3,022 people per square kilometer to 5,810 persons per square kilometer. Migration into the municipality is another element contributing to the quicker rate of growth. Between 2002 and 2012, the population of Ilala Municipality increased by 92.2%, from 634,924 to 1,220,611. This increase has an impact on

1062-425: A large number of small to medium-sized institutions in its banking system. As of November 2009, China's top four banks have in excess of 67,000 branches ( ICBC :18000+, BOC :12000+, CCB :13000+, ABC :24000+) with an additional 140 smaller banks with an undetermined number of branches. Japan had 129 banks and 12,000 branches. In 2004, Germany, France, and Italy each had more than 30,000 branches – more than double

1180-447: A positive note, the gender gap in access to mobile internet in low- and middle-income countries fell from 25 percent to 16 percent between 2017 and 2021, and the gender gap in access to bank accounts narrowed from 9 to 6 percentage points. Women are as likely as men to adopt new technologies when the necessary enabling factors are put in place and they have equal access to complementary resources. Agriculture, specifically farming, remains

1298-458: A range of vegetables such as amaranthus, Chinese cabbages, egg plants, okra, kale, and leek (matembele), as well as fruits such as citrus, passionate, pawpaws (papaya), pineapples, mangoes, cucumbers, and cashew nuts. Because of the city's vast population, a market for crop produce exists, and crops can be sold in various marketplaces in Kariakoo, Buguruni, Kisutu, and Chanika. Ilala Municipal Council

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1416-412: A result of urbanization, many people from many ethnic backgrounds have emigrated into the municipality, making it tribally diverse. There is no single ethnic group that constitutes more than a quarter of the overall population. The district has become a cosmopolitan community of people from all over the world. The municipality had a total population of 1,649,912, with 793,731 men and 856,181 females, for

1534-416: A safe and convenient form of money backed by the goldsmith's promise to pay, allowing goldsmiths to advance loans with little risk of default . Thus the goldsmiths of London became the forerunners of banking by creating new money based on credit. The Bank of England originated the permanent issue of banknotes in 1695. The Royal Bank of Scotland established the first overdraft facility in 1728. By

1652-634: A sex ratio of 93. Majohe ward had the largest population of 115,118 people, while Kivukoni ward had the smallest number of 4,045 people. Females continue to outnumber males in almost all wards, with the exception of a few wards such as Mchikichini, Kariakoo, Jangwani, Gerezani, Mchafukoge, Kivukoni, and Upanga Magharibi. The municipality had 458,614 households, with an average household size of 3.6 people. Population growth rates in Ilala Municipal Council grew from 4.6% in 2002 to 5.6% in 2012. It could be linked to enhanced municipal health services and

1770-404: A significant decrease in genetic diversity and resources among livestock breeds, leading to a corresponding decrease in disease resistance and local adaptations previously found among traditional breeds. Grassland based livestock production relies upon plant material such as shrubland , rangeland , and pastures for feeding ruminant animals. Outside nutrient inputs may be used, however manure

1888-443: A significant number of people in the municipality. Cassava, sweet potatoes, paddy, maize, and cowpeas are among the principal food crops farmed. Cassava is the principal food crop in rural areas, where it is cooked fresh or dried for flour production. Sweet potatoes and paddy are two more food crops grown throughout the lengthy rainy season, particularly in waterlogged areas. The main cash crops farmed in Ilala Municipal Council include

2006-485: A small area of forest is cleared by cutting and burning the trees. The cleared land is used for growing crops for a few years until the soil becomes too infertile, and the area is abandoned. Another patch of land is selected and the process is repeated. This type of farming is practiced mainly in areas with abundant rainfall where the forest regenerates quickly. This practice is used in Northeast India, Southeast Asia, and

2124-494: A tiny upland zone. The lowland areas run from the Municipality's Indian Ocean border (Kivukoni ward) to Segerea, Ukonga, and Kitunda wards. Beyond these wards, the minor upland sections of Pugu, Kinyerezi, Chanika, and Msongola wards emerge as small hills or plateaus. Whereas the majority of the Municipality's lowland sections are urban, the upland districts are largely agricultural and peri-urban in nature. The soil in these places

2242-399: A variety of different ways including interest, transaction fees and financial advice. Traditionally, the most significant method is via charging interest on the capital it lends out to customers. The bank profits from the difference between the level of interest it pays for deposits and other sources of funds, and the level of interest it charges in its lending activities. This difference

2360-552: A year, or requiring irrigation. In all of these environments perennial crops are grown (coffee, chocolate) and systems are practiced such as agroforestry . In temperate environments, where ecosystems were predominantly grassland or prairie , highly productive annual farming is the dominant agricultural system. Important categories of food crops include cereals, legumes, forage, fruits and vegetables. Natural fibers include cotton, wool , hemp , silk and flax . Specific crops are cultivated in distinct growing regions throughout

2478-470: A yearly summit to discuss safety. Overall production varies by country as listed. The twenty largest countries by agricultural output (in nominal terms) at peak level as of 2018, according to the IMF and CIA World Factbook . Cropping systems vary among farms depending on the available resources and constraints; geography and climate of the farm; government policy; economic, social and political pressures; and

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2596-515: Is 1215.66   km   long. The road network is made up of 118.34 km of tarmac , 264.81 km of gravel, and 638.22 km of earth roads, accounting for 62.49% of the entire road network in the municipality. There was no information on road surface type per division. However, the majority of the municipal's asphalt roads are found in the Kariakoo division, whereas the Ukonga division is largely covered by earth roads. The primary mode of public transportation

2714-446: Is a bank regulation , which sets a framework within which a bank or depository institution must manage its balance sheet . The categorisation of assets and capital is highly standardised so that it can be risk weighted . After the financial crisis of 2007–2008 , regulators force banks to issue Contingent convertible bonds (CoCos). These are hybrid capital securities that absorb losses in accordance with their contractual terms when

2832-400: Is a Bills of Exchange Act that codifies the law in relation to negotiable instruments , including cheques, and this Act contains a statutory definition of the term banker : banker includes a body of persons, whether incorporated or not, who carry on the business of banking' (Section 2, Interpretation). Although this definition seems circular, it is actually functional, because it ensures that

2950-571: Is a hybrid of a Chilean and a North American species, developed by breeding in Europe and North America. The indigenous people of the Southwest and the Pacific Northwest practiced forest gardening and fire-stick farming . The natives controlled fire on a regional scale to create a low-intensity fire ecology that sustained a low-density agriculture in loose rotation; a sort of "wild" permaculture . A system of companion planting called

3068-403: Is a list of the largest deals in history in terms of value with participation from at least one bank: Currently, commercial banks are regulated in most jurisdictions by government entities and require a special bank license to operate. Usually, the definition of the business of banking for the purposes of regulation is extended to include acceptance of deposits, even if they are not repayable to

3186-626: Is both a cause of and sensitive to environmental degradation , such as biodiversity loss , desertification , soil degradation , and climate change , all of which can cause decreases in crop yield. Genetically modified organisms are widely used, although some countries ban them . The word agriculture is a late Middle English adaptation of Latin agricultūra , from ager 'field' and cultūra ' cultivation ' or 'growing'. While agriculture usually refers to human activities, certain species of ant , termite and beetle have been cultivating crops for up to 60 million years. Agriculture

3304-444: Is defined with varying scopes, in its broadest sense using natural resources to "produce commodities which maintain life, including food, fiber, forest products, horticultural crops, and their related services". Thus defined, it includes arable farming , horticulture, animal husbandry and forestry , but horticulture and forestry are in practice often excluded. It may also be broadly decomposed into plant agriculture , which concerns

3422-518: Is home to a variety of established enterprises. Medium-sized industries that process food, beverages, and textiles are among the most important. Others include small-scale industries that dominate a variety of food and textile products. Small-scale industries include hulling and milling machines, as well as fruit processing machines, which add value to agricultural basic products. Dar es Salaam Region offers economic potentials in industrial production and business transactions, with Ilala Municipality being

3540-567: Is in Ilala as the major entrance for incoming and exiting aviation passengers in the country. Tanzania Airport Authority manages the airport. Farming and livestock are another key economic activity in Ilala Municipality, employing 13% of the population. Cattle, goats, sheep, donkeys, pigs, and chickens are among the livestock kept in the municipality. Fishing in the Indian Ocean also employs

3658-434: Is made up of sand, clay, and loam. Ilala's main economic activities include retailing businesses such as small and medium-sized shops, hotels, bars, and restaurants, transportation services, clearing and forwarding, agro businesses, medical businesses, handcraft businesses, banking businesses, and construction businesses. These activities employ around 45% of Ilala Municipality's total population. The municipal road network

Ilala District, Dar es Salaam - Misplaced Pages Continue

3776-575: Is organized into three administrative divisions: Ilala, Ukonga, and Kariakoo. The district is also divided into wards ( kata ), which are further subdivided into neighbourhoods ( mitaa ). There are 36 wards and 159 neighbourhoods in the Municipal Council. The wards are listed below: Temperatures in the municipality range from 26 degrees Celsius in August to 35 degrees Celsius in December and January. During

3894-431: Is referred to as the spread between the cost of funds and the loan interest rate. Historically, profitability from lending activities has been cyclical and dependent on the needs and strengths of loan customers and the stage of the economic cycle . Fees and financial advice constitute a more stable revenue stream and banks have therefore placed more emphasis on these revenue lines to smooth their financial performance. In

4012-438: Is returned directly to the grassland as a major nutrient source. This system is particularly important in areas where crop production is not feasible because of climate or soil, representing 30–40 million pastoralists. Mixed production systems use grassland, fodder crops and grain feed crops as feed for ruminant and monogastric (one stomach; mainly chickens and pigs) livestock. Manure is typically recycled in mixed systems as

4130-591: Is the dala dala bus. The majority of them are registered and privately owned dala dala in services with a total seating capacity of 25-32 seats. Dar es Salaam's public transportation services are unreliable, uncomfortable, and unsafe. Given the total size of the urban transportation fleet, the maximum daily passenger capacity is predicted to be 4.6 million passenger journeys per day. Ilala has three major railway services. Tanzania Railways Corporation operates two of these, an older Metre-gauge railway from Dar es Salaam west to cities such as Tabora and Mwanza . The line

4248-519: Is the main attraction in the Ilala district. The British constructed it as the King George V Memorial Museum in 1940. In 1963, new structures that are now part of the museum were built by Nyerere 's government. The museum houses Tanzanian historical documents, marine biology, and ethnography. The museum also houses the skull of Australopithecus Boisei , which was discovered in 1959 in Olduvai Gorge by

4366-605: The Basel Accords . Banking in its modern sense evolved in the fourteenth century in the prosperous cities of Renaissance Italy but, in many ways, functioned as a continuation of ideas and concepts of credit and lending that had their roots in the ancient world . In the history of banking , a number of banking dynasties  – notably, the Medicis , the Pazzi , the Fuggers ,

4484-705: The Federal Deposit Insurance Corporation (FDIC) as a regulator. However, for soundness examinations (i.e., whether a bank is operating in a sound manner), the Federal Reserve is the primary federal regulator for Fed-member state banks; the Office of the Comptroller of the Currency (OCC) is the primary federal regulator for national banks. State non-member banks are examined by the state agencies as well as

4602-631: The Great Depression , the U.S. Savings and Loan crisis in the 1980s and early 1990s, the Japanese banking crisis during the 1990s, and the sub-prime mortgage crisis in the 2000s. The 2023 global banking crisis is the latest of these crises: In March 2023, liquidity shortages and bank insolvencies led to three bank failures in the United States , and within two weeks, several of the world's largest banks failed or were shut down by regulators Assets of

4720-494: The Indus Valley civilization . In China, from the 5th century BC, there was a nationwide granary system and widespread silk farming . Water-powered grain mills were in use by the 1st century BC, followed by irrigation. By the late 2nd century, heavy ploughs had been developed with iron ploughshares and mouldboards . These spread westwards across Eurasia. Asian rice was domesticated 8,200–13,500 years ago – depending on

4838-522: The Medici Bank , in 1397. The Republic of Genoa founded the earliest-known state deposit bank, and Banco di San Giorgio (Bank of St. George), in 1407 at Genoa , Italy. Fractional reserve banking and the issue of banknotes emerged in the 17th and 18th centuries. Merchants started to store their gold with the goldsmiths of London , who possessed private vaults , and who charged a fee for that service. In exchange for each deposit of precious metal,

Ilala District, Dar es Salaam - Misplaced Pages Continue

4956-572: The Paleolithic , after 10,000 BC. Staple food crops were grains such as wheat and barley, alongside industrial crops such as flax and papyrus . In India , wheat, barley and jujube were domesticated by 9,000 BC, soon followed by sheep and goats. Cattle, sheep and goats were domesticated in Mehrgarh culture by 8,000–6,000 BC. Cotton was cultivated by the 5th–4th millennium BC. Archeological evidence indicates an animal-drawn plough from 2,500 BC in

5074-563: The Renaissance by Florentine bankers, who used to make their transactions atop desks covered by green tablecloths. The definition of a bank varies from country to country. See the relevant country pages for more information. Under English common law , a banker is defined as a person who carries on the business of banking by conducting current accounts for their customers, paying cheques drawn on them and also collecting cheques for their customers. In most common law jurisdictions there

5192-504: The Tigris and Euphrates rivers and a canal system for irrigation. Ploughs appear in pictographs around 3,000 BC; seed-ploughs around 2,300 BC. Farmers grew wheat, barley, vegetables such as lentils and onions, and fruits including dates, grapes, and figs. Ancient Egyptian agriculture relied on the Nile River and its seasonal flooding. Farming started in the predynastic period at the end of

5310-577: The Welsers , the Berenbergs , and the Rothschilds  – have played a central role over many centuries. The oldest existing retail bank is Banca Monte dei Paschi di Siena (founded in 1472), while the oldest existing merchant bank is Berenberg Bank (founded in 1590). Banking as an archaic activity (or quasi-banking ) is thought to have begun as early as the end of the 4th millennium BCE, to

5428-613: The molecular clock estimate that is used – on the Pearl River in southern China with a single genetic origin from the wild rice Oryza rufipogon . In Greece and Rome , the major cereals were wheat, emmer, and barley, alongside vegetables including peas, beans, and olives. Sheep and goats were kept mainly for dairy products. In the Americas, crops domesticated in Mesoamerica (apart from teosinte) include squash, beans, and cacao . Cocoa

5546-536: The organic movement . Unsustainable farming practices in North America led to the Dust Bowl of the 1930s. Pastoralism involves managing domesticated animals. In nomadic pastoralism , herds of livestock are moved from place to place in search of pasture, fodder, and water. This type of farming is practiced in arid and semi-arid regions of Sahara , Central Asia and some parts of India. In shifting cultivation ,

5664-474: The 15,000 branches in the United Kingdom. Between 1985 and 2018 banks engaged in around 28,798 mergers or acquisitions, either as the acquirer or the target company. The overall known value of these deals cumulates to around 5,169 bil. USD. In terms of value, there have been two major waves (1999 and 2007) which both peaked at around 460 bil. USD followed by a steep decline (−82% from 2007 until 2018). Here

5782-404: The 19th century, we find in ordinary cases of deposits, of money with banking corporations, or bankers, the transaction amounts to a mere loan, or mutuum , and the bank is to restore, not the same money, but an equivalent sum, whenever it is demanded and money, when paid into a bank, ceases altogether to be the money of the principal (see Parker v. Marchant, 1 Phillips 360); it is then the money of

5900-419: The 3rd millennia BCE. The present era of banking can be traced to medieval and early Renaissance Italy, to the rich cities in the centre and north like Florence , Lucca , Siena , Venice and Genoa . The Bardi and Peruzzi families dominated banking in 14th-century Florence, establishing branches in many other parts of Europe. Giovanni di Bicci de' Medici set up one of the most famous Italian banks,

6018-528: The Amazon Basin. Subsistence farming is practiced to satisfy family or local needs alone, with little left over for transport elsewhere. It is intensively practiced in Monsoon Asia and South-East Asia. An estimated 2.5 billion subsistence farmers worked in 2018, cultivating about 60% of the earth's arable land . Intensive farming is cultivation to maximize productivity, with a low fallow ratio and

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6136-547: The Americas. Irrigation , crop rotation , and fertilizers advanced from the 17th century with the British Agricultural Revolution , allowing global population to rise significantly. Since 1900, agriculture in developed nations, and to a lesser extent in the developing world, has seen large rises in productivity as mechanization replaces human labor, and assisted by synthetic fertilizers , pesticides, and selective breeding . The Haber-Bosch method allowed

6254-522: The FDIC. National banks have one primary regulator – the OCC. Each regulatory agency has its own set of rules and regulations to which banks and thrifts must adhere. The Federal Financial Institutions Examination Council (FFIEC) was established in 1979 as a formal inter-agency body empowered to prescribe uniform principles, standards, and report forms for the federal examination of financial institutions. Although

6372-513: The FFIEC has resulted in a greater degree of regulatory consistency between the agencies, the rules and regulations are constantly changing. Agriculture Agriculture encompasses crop and livestock production, aquaculture , and forestry for food and non-food products. Agriculture was a key factor in the rise of sedentary human civilization , whereby farming of domesticated species created food surpluses that enabled people to live in

6490-568: The Paleolithic Levant, 23,000 years ago, cereals cultivation of emmer , barley , and oats has been observed near the sea of Galilee. Rice was domesticated in China between 11,500 and 6,200 BC with the earliest known cultivation from 5,700 BC, followed by mung , soy and azuki beans. Sheep were domesticated in Mesopotamia between 13,000 and 11,000 years ago. Cattle were domesticated from

6608-479: The Three Sisters was developed in North America. The three crops were winter squash , maize, and climbing beans. Indigenous Australians , long supposed to have been nomadic hunter-gatherers , practiced systematic burning, possibly to enhance natural productivity in fire-stick farming. Scholars have pointed out that hunter-gatherers need a productive environment to support gathering without cultivation. Because

6726-567: The UK, for example, the Financial Services Authority licenses banks, and some commercial banks (such as the Bank of Scotland ) issue their own banknotes in addition to those issued by the Bank of England , the UK government's central bank. Banking law is based on a contractual analysis of the relationship between the bank (defined above) and the customer  – defined as any entity for which

6844-786: The United Nations (FAO) posits that the roles and responsibilities of women in agriculture may be changing – for example, from subsistence farming to wage employment, and from contributing household members to primary producers in the context of male-out-migration. In general, women account for a greater share of agricultural employment at lower levels of economic development, as inadequate education, limited access to basic infrastructure and markets, high unpaid work burden and poor rural employment opportunities outside agriculture severely limit women's opportunities for off-farm work. Women who work in agricultural production tend to do so under highly unfavorable conditions. They tend to be concentrated in

6962-461: The United States is roughly 1.7 times more productive than it was in 1948. Agriculture employed 873 million people in 2021, or 27% of the global workforce, compared with 1 027 million (or 40%) in 2000. The share of agriculture in global GDP was stable at around 4% since 2000–2023. Despite increases in agricultural production and productivity, between 702 and 828 million people were affected by hunger in 2021. Food insecurity and malnutrition can be

7080-530: The annual work-related death toll among agricultural employees is at least 170,000, twice the average rate of other jobs. In addition, incidences of death, injury and illness related to agricultural activities often go unreported. The organization has developed the Safety and Health in Agriculture Convention, 2001 , which covers the range of risks in the agriculture occupation, the prevention of these risks and

7198-553: The available work force, were employed in agriculture. This constitutes approximately 70% of the global employment of children, and in many countries constitutes the largest percentage of women of any industry. The service sector overtook the agricultural sector as the largest global employer in 2007. In many developed countries, immigrants help fill labor shortages in high-value agriculture activities that are difficult to mechanize. Foreign farm workers from mostly Eastern Europe, North Africa and South Asia constituted around one-third of

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7316-639: The bank agrees to conduct an account. The law implies rights and obligations into this relationship as follows: These implied contractual terms may be modified by express agreement between the customer and the bank. The statutes and regulations in force within a particular jurisdiction may also modify the above terms or create new rights, obligations, or limitations relevant to the bank-customer relationship. Some types of financial institutions, such as building societies and credit unions , may be partly or wholly exempt from bank license requirements, and therefore regulated under separate rules. The requirements for

7434-571: The bank or indirectly through capital markets . Whereas banks play an important role in financial stability and the economy of a country, most jurisdictions exercise a high degree of regulation over banks. Most countries have institutionalized a system known as fractional-reserve banking , under which banks hold liquid assets equal to only a portion of their current liabilities. In addition to other regulations intended to ensure liquidity , banks are generally subject to minimum capital requirements based on an international set of capital standards,

7552-411: The bank will not repay it), and interest rate risk (the possibility that the bank will become unprofitable, if rising interest rates force it to pay relatively more on its deposits than it receives on its loans). Banking crises have developed many times throughout history when one or more risks have emerged for the banking sector as a whole. Prominent examples include the bank run that occurred during

7670-667: The bank, and collecting cheques deposited to customers' current accounts. Banks also enable customer payments via other payment methods such as Automated Clearing House (ACH), Wire transfers or telegraphic transfer , EFTPOS , and automated teller machines (ATMs). Banks borrow money by accepting funds deposited on current accounts, by accepting term deposits , and by issuing debt securities such as banknotes and bonds . Banks lend money by making advances to customers on current accounts, by making installment loans , and by investing in marketable debt securities and other forms of money lending. Banks provide different payment services, and

7788-456: The banker, who is bound to return an equivalent, by paying a similar sum to that deposited with him, when he is asked for it. The goldsmith paid interest on deposits. Since the promissory notes were payable on demand, and the advances (loans) to the goldsmith's customers were repayable over a longer time-period, this was an early form of fractional reserve banking . The promissory notes developed into an assignable instrument which could circulate as

7906-704: The beginning of the 19th century Lubbock's Bank had established a bankers' clearing house in London to allow multiple banks to clear transactions. The Rothschilds pioneered international finance on a large scale, financing the purchase of shares in the Suez canal for the British government in 1875. The word bank was taken into Middle English from Middle French banque , from Old Italian banco , meaning "table", from Old High German banc, bank "bench, counter". Benches were used as makeshift desks or exchange counters during

8024-433: The broad mandates of the three restructuring programs. One of the programs was the formation of three new municipal councils, namely Ilala, Temeke, and Kinondoni, with the goal of responding to local demands and conditions for the best service delivery. Thus, on February 1, 2001, the Ilala Municipal Council (together with the citywide authority and the other two municipalities) was formally constituted. Ilala Municipal Council

8142-515: The business of banking for the purposes of the legislation, and not necessarily in general. In particular, most of the definitions are from legislation that has the purpose of regulating and supervising banks rather than regulating the actual business of banking. However, in many cases, the statutory definition closely mirrors the common law one. Examples of statutory definitions: Since the advent of EFTPOS (Electronic Funds Transfer at Point Of Sale), direct credit, direct debit and internet banking ,

8260-533: The capital of the issuing bank falls below a certain level. Then debt is reduced and bank capitalisation gets a boost. Owing to their capacity to absorb losses, CoCos have the potential to satisfy regulatory capital requirement. The economic functions of banks include: Banks are susceptible to many forms of risk which have triggered occasional systemic crises. These include liquidity risk (where many depositors may request withdrawals in excess of available funds), credit risk (the chance that those who owe money to

8378-580: The central west coast and eastern central, early farmers cultivated yams, native millet, and bush onions, possibly in permanent settlements. In the Middle Ages , compared to the Roman period , agriculture in Western Europe became more focused on self-sufficiency . The agricultural population under feudalism was typically organized into manors consisting of several hundred or more acres of land presided over by

8496-483: The cheque has lost its primacy in most banking systems as a payment instrument. This has led legal theorists to suggest that the cheque based definition should be broadened to include financial institutions that conduct current accounts for customers and enable customers to pay and be paid by third parties, even if they do not pay and collect cheques . Banks act as payment agents by conducting checking or current accounts for customers, paying cheques drawn by customers in

8614-467: The cities. While humans started gathering grains at least 105,000 years ago, nascent farmers only began planting them around 11,500 years ago. Sheep, goats, pigs, and cattle were domesticated around 10,000 years ago. Plants were independently cultivated in at least 11 regions of the world. In the 20th century, industrial agriculture based on large-scale monocultures came to dominate agricultural output. As of 2021 , small farms produce about one-third of

8732-423: The cross-selling of complementary products. Banks face a number of risks in order to conduct their business, and how well these risks are managed and understood is a key driver behind profitability, and how much capital a bank is required to hold. Bank capital consists principally of equity , retained earnings and subordinated debt . Some of the main risks faced by banks include: The capital requirement

8850-468: The cultivation of useful plants, and animal agriculture , the production of agricultural animals. The development of agriculture enabled the human population to grow many times larger than could be sustained by hunting and gathering . Agriculture began independently in different parts of the globe, and included a diverse range of taxa , in at least 11 separate centers of origin . Wild grains were collected and eaten from at least 105,000 years ago. In

8968-408: The customer's order – although money lending, by itself, is generally not included in the definition. Unlike most other regulated industries, the regulator is typically also a participant in the market, being either publicly or privately governed central bank . Central banks also typically have a monopoly on the business of issuing banknotes . However, in some countries, this is not the case. In

9086-529: The direct agricultural workforce and broader businesses that support the farms and farming populations. The major agricultural products can be broadly grouped into foods , fibers , fuels , and raw materials (such as rubber ). Food classes include cereals ( grains ), vegetables , fruits , cooking oils , meat , milk , eggs , and fungi . Global agricultural production amounts to approximately 11 billion tonnes of food, 32 million tonnes of natural fibers and 4 billion m of wood. However, around 14% of

9204-656: The domestication of squash (Cucurbita) and other plants. Coca was domesticated in the Andes, as were the peanut, tomato, tobacco, and pineapple . Cotton was domesticated in Peru by 3,600 BC. Animals including llamas , alpacas , and guinea pigs were domesticated there. In North America , the indigenous people of the East domesticated crops such as sunflower , tobacco, squash and Chenopodium . Wild foods including wild rice and maple sugar were harvested. The domesticated strawberry

9322-432: The farm itself, entire families can be at risk for injuries, illness, and death. Ages 0–6 may be an especially vulnerable population in agriculture; common causes of fatal injuries among young farm workers include drowning, machinery and motor accidents, including with all-terrain vehicles. The International Labor Organization considers agriculture "one of the most hazardous of all economic sectors". It estimates that

9440-416: The fewest households (1,343 households). This is owing in part to the fact that the majority of the buildings in this region are government offices, with very few residential buildings. According to the 2012 Population and Housing Census, the sex ratio for Ilala Municipality was 95, suggesting that the municipality had more females than males. Kariakoo ward had the highest sex ratio (113), while Kimanga ward had

9558-430: The forests of New Guinea have few food plants, early humans may have used "selective burning" to increase the productivity of the wild karuka fruit trees to support the hunter-gatherer way of life. The Gunditjmara and other groups developed eel farming and fish trapping systems from some 5,000 years ago. There is evidence of 'intensification' across the whole continent over that period. In two regions of Australia,

9676-589: The funding of these loans, in order to ensure that the banks can meet demands for payment of such deposits. These reserves can be acquired through the acceptance of new deposits, sale of other assets, or borrowing from other banks including the central bank. Activities undertaken by banks include personal banking , corporate banking , investment banking , private banking , transaction banking , insurance , consumer finance , trade finance and other related. Banks offer many different channels to access their banking and other services: A bank can generate revenue in

9794-407: The goldsmiths issued receipts certifying the quantity and purity of the metal they held as a bailee ; these receipts could not be assigned, only the original depositor could collect the stored goods. Gradually the goldsmiths began to lend money out on behalf of the depositor , and promissory notes , which evolved into banknotes, were issued for money deposited as a loan to the goldsmith. Thus, by

9912-422: The greater use of pesticides and fertilizers. Multiple cropping , in which several crops are grown sequentially in one year, and intercropping , when several crops are grown at the same time, are other kinds of annual cropping systems known as polycultures . In subtropical and arid environments, the timing and extent of agriculture may be limited by rainfall, either not allowing multiple annual crops in

10030-441: The input of nutrients (fertilizer or manure ) and some manual pest control . Annual cultivation is the next phase of intensity in which there is no fallow period. This requires even greater nutrient and pest control inputs. Further industrialization led to the use of monocultures , when one cultivar is planted on a large acreage. Because of the low biodiversity , nutrient use is uniform and pests tend to build up, necessitating

10148-442: The issue of a bank license vary between jurisdictions but typically include: Banks' activities can be divided into: Most banks are profit-making, private enterprises. However, some are owned by the government, or are non-profit organisations . The United States banking industry is one of the most heavily regulated and guarded in the world, with multiple specialised and focused regulators. All banks with FDIC-insured deposits have

10266-409: The largest 1,000 banks in the world grew by 6.8% in the 2008–2009 financial year to a record US$ 96.4 trillion while profits declined by 85% to US$ 115 billion. Growth in assets in adverse market conditions was largely a result of recapitalisation. EU banks held the largest share of the total, 56% in 2008–2009, down from 61% in the previous year. Asian banks' share increased from 12% to 14% during

10384-625: The late Dr. Leakey . There is also the Makumbusho Village, which is part of the national museum and deals with many traditional Tanzanian ethnic heritage such as culture, dances, housing, as well as other tangible qualities. The District has one forest reserve, the Zingiziwa Mangrove Forest Reserve (100.5 ha) Like most of Dar es Salaam, Ilala is the ancestral home of the Zaramo people and some Ndengereko communities. However, as

10502-450: The legal basis for bank transactions such as cheques does not depend on how the bank is structured or regulated. The business of banking is in many common law countries not defined by statute but by common law, the definition above. In other English common law jurisdictions there are statutory definitions of the business of banking or banking business . When looking at these definitions it is important to keep in mind that they are defining

10620-421: The long rainy season (March - May), the average monthly rainfall is 150 mm - 300 mm. The rainy season lasts from October through December, with monthly average rainfall ranging from 75 mm to 100 mm. The altitude of Ilala Municipality, which spans between 0 and 900 meters above sea level, has an impact on the municipality's biological characteristics. As a result, the Municipality is made up of a huge lowland area and

10738-469: The lower yield associated with organic farming and its impact on global food security . Recent mainstream technological developments include genetically modified food . By 2015, the agricultural output of China was the largest in the world, followed by the European Union, India and the United States. Economists measure the total factor productivity of agriculture, according to which agriculture in

10856-441: The lowest (90). Ilala District has 142 health care facilities. The total number of public privately held dispensaries made for 77.5% of all dispensaries in Ilala Municipality. and only 22.5% were owned by the government. The district has six health centers and one large public hospital. Most common illnesses in the district are upper respiratory infection, malaria , urinary tract infection, hypertension, and non-severe pneumonia were

10974-605: The most commonly reported causes of morbidity for outpatients in 2015 and 2018. The municipality contains 237 pre-primary schools, 121 of which are government-run and 116 of which are privately operated. In 2018, the Municipality has 235 primary schools, with 120 being government-run and 115 being privately owned. There are 98 secondary schools in the Municipal Council. There are 51 public schools and 47 private schools among these.In terms of secondary school enrollment, there were 67,652 students enrolled in 2018. Girls made up 52.4% of those enrolled in secondary schools, while boys made up

11092-570: The most important. According to the 2007 Dar es Salaam Regional Profile, the Region contributed around 17% of the country's Gross Domestic Product (GDP) yearly. According to the 2018 Dar es Salaam Regional Profile, the region's income climbed from TZS 17.5 trillion in 2016 to TZS 20.1 trillion in 2017, representing a TZS 2.5 trillion or 12.68% rise. The average yearly per capita income in the Dar es Salaam region increased by 13.4% in 2017 to TZS 4,004,088.70 from TZS 3,227,593.23 in 2016. The National Museum

11210-455: The past 20 years, American banks have taken many measures to ensure that they remain profitable while responding to increasingly changing market conditions. This helps in making a profit and facilitates economic development as a whole. Recently, as banks have been faced with pressure from fintechs, new and additional business models have been suggested such as freemium, monetisation of data, white-labeling of banking and payment applications, or

11328-437: The philosophy and culture of the farmer. Shifting cultivation (or slash and burn ) is a system in which forests are burnt, releasing nutrients to support cultivation of annual and then perennial crops for a period of several years. Then the plot is left fallow to regrow forest, and the farmer moves to a new plot, returning after many more years (10–20). This fallow period is shortened if population density grows, requiring

11446-414: The poorest countries, where alternative livelihoods are not available, and they maintain the intensity of their work in conditions of climate-induced weather shocks and in situations of conflict. Women are less likely to participate as entrepreneurs and independent farmers and are engaged in the production of less lucrative crops. The gender gap in land productivity between female- and male managed farms of

11564-440: The production of fish for human consumption in confined operations, is one of the fastest growing sectors of food production, growing at an average of 9% a year between 1975 and 2007. During the second half of the 20th century, producers using selective breeding focused on creating livestock breeds and crossbreeds that increased production, while mostly disregarding the need to preserve genetic diversity . This trend has led to

11682-416: The provision of social services to all Ilala Municipality stakeholders. The rise was substantially greater in the Ukonga division, which increased by 475,778 individuals during the two inter-census periods. According to the 2012 Population and Housing Census, Ilala Municipality had 300,674 households divided into 26 wards, with Vingunguti ward having the most households (28,994 households). Kivukoni ward has

11800-417: The remaining 47.6%. The Municipal Council is home to nine higher learning institutions, six of which are government-run and three of which are privately held. Dr. Rodrick Kazembe (Software Engineer) Banking A bank is a financial institution that accepts deposits from the public and creates a demand deposit while simultaneously making loans . Lending activities can be directly performed by

11918-477: The result of conflict, climate extremes and variability and economic swings. It can also be caused by a country's structural characteristics such as income status and natural resource endowments as well as its political economy. Pesticide use in agriculture went up 62% between 2000 and 2021, with the Americas accounting for half the use in 2021. The International Fund for Agricultural Development posits that an increase in smallholder agriculture may be part of

12036-844: The role that individuals and organizations engaged in agriculture should play. In the United States, agriculture has been identified by the National Institute for Occupational Safety and Health as a priority industry sector in the National Occupational Research Agenda to identify and provide intervention strategies for occupational health and safety issues. In the European Union, the European Agency for Safety and Health at Work has issued guidelines on implementing health and safety directives in agriculture, livestock farming, horticulture, and forestry. The Agricultural Safety and Health Council of America (ASHCA) also holds

12154-474: The salaried agricultural workforce in Spain, Italy, Greece and Portugal in 2013. In the United States of America, more than half of all hired farmworkers (roughly 450,000 workers) were immigrants in 2019, although the number of new immigrants arriving in the country to work in agriculture has fallen by 75 percent in recent years and rising wages indicate this has led to a major labor shortage on U.S. farms. Around

12272-439: The same size is 24 percent. On average, women earn 18.4 percent less than men in wage employment in agriculture; this means that women receive 82 cents for every dollar earned by men. Progress has been slow in closing gaps in women's access to irrigation and in ownership of livestock, too. Women in agriculture still have significantly less access than men to inputs, including improved seeds, fertilizers and mechanized equipment. On

12390-488: The solution to concerns about food prices and overall food security , given the favorable experience of Vietnam. Agriculture provides about one-quarter of all global employment, more than half in sub-Saharan Africa and almost 60 percent in low-income countries. As countries develop, other jobs have historically pulled workers away from agriculture, and labor-saving innovations increase agricultural productivity by reducing labor requirements per unit of output. Over time,

12508-400: The synthesis of ammonium nitrate fertilizer on an industrial scale, greatly increasing crop yields and sustaining a further increase in global population. Modern agriculture has raised or encountered ecological, political, and economic issues including water pollution , biofuels , genetically modified organisms , tariffs and farm subsidies , leading to alternative approaches such as

12626-655: The transition from hunter-gatherer to agricultural societies indicate an initial period of intensification and increasing sedentism ; examples are the Natufian culture in the Levant , and the Early Chinese Neolithic in China. Then, wild stands that had previously been harvested started to be planted, and gradually came to be domesticated. In Eurasia, the Sumerians started to live in villages from about 8,000 BC, relying on

12744-656: The wild aurochs in the areas of modern Turkey and Pakistan some 10,500 years ago. Pig production emerged in Eurasia, including Europe, East Asia and Southwest Asia, where wild boar were first domesticated about 10,500 years ago. In the Andes of South America, the potato was domesticated between 10,000 and 7,000 years ago, along with beans, coca , llamas , alpacas , and guinea pigs . Sugarcane and some root vegetables were domesticated in New Guinea around 9,000 years ago. Sorghum

12862-774: The world's agricultural land is seriously degraded. In recent years there has been a backlash against the environmental effects of conventional agriculture, resulting in the organic , regenerative , and sustainable agriculture movements. One of the major forces behind this movement has been the European Union , which first certified organic food in 1991 and began reform of its Common Agricultural Policy (CAP) in 2005 to phase out commodity-linked farm subsidies, also known as decoupling . The growth of organic farming has renewed research in alternative technologies such as integrated pest management , selective breeding, and controlled-environment agriculture . There are concerns about

12980-664: The world's food is lost from production before reaching the retail level. Modern agronomy , plant breeding , agrochemicals such as pesticides and fertilizers , and technological developments have sharply increased crop yields , but also contributed to ecological and environmental damage . Selective breeding and modern practices in animal husbandry have similarly increased the output of meat, but have raised concerns about animal welfare and environmental damage. Environmental issues include contributions to climate change , depletion of aquifers , deforestation , antibiotic resistance , and other agricultural pollution . Agriculture

13098-523: The world's food, but large farms are prevalent. The largest 1% of farms in the world are greater than 50 hectares (120 acres) and operate more than 70% of the world's farmland. Nearly 40% of agricultural land is found on farms larger than 1,000 hectares (2,500 acres). However, five of every six farms in the world consist of fewer than 2 hectares (4.9 acres), and take up only around 12% of all agricultural land. Farms and farming greatly influence rural economics and greatly shape rural society , affecting both

13216-481: The world, women make up a large share of the population employed in agriculture. This share is growing in all developing regions except East and Southeast Asia where women already make up about 50 percent of the agricultural workforce. Women make up 47 percent of the agricultural workforce in sub-Saharan Africa, a rate that has not changed significantly in the past few decades. However, the Food and Agriculture Organization of

13334-621: The world. Production is listed in millions of metric tons, based on FAO estimates. Animal husbandry is the breeding and raising of animals for meat, milk, eggs , or wool , and for work and transport. Working animals , including horses, mules , oxen , water buffalo , camels, llamas, alpacas, donkeys, and dogs, have for centuries been used to help cultivate fields, harvest crops, wrangle other animals, and transport farm products to buyers. Livestock production systems can be defined based on feed source, as grassland-based, mixed, and landless. As of 2010 , 30% of Earth's ice- and water-free area

13452-459: The year, while the share of US banks increased from 11% to 13%. Fee revenue generated by global investment in banking totalled US$ 66.3 billion in 2009, up 12% on the previous year. The United States has the most banks in the world in terms of institutions (5,330 as of 2015) and possibly branches (81,607 as of 2015). This is an indicator of the geography and regulatory structure of the US, resulting in

13570-621: Was domesticated by the Mayo Chinchipe of the upper Amazon around 3,000 BC. The turkey was probably domesticated in Mexico or the American Southwest. The Aztecs developed irrigation systems, formed terraced hillsides, fertilized their soil, and developed chinampas or artificial islands. The Mayas used extensive canal and raised field systems to farm swampland from 400 BC. In South America agriculture may have begun about 9000 BC with

13688-548: Was domesticated in the Sahel region of Africa by 7,000 years ago. Cotton was domesticated in Peru by 5,600 years ago, and was independently domesticated in Eurasia. In Mesoamerica , wild teosinte was bred into maize (corn) from 10,000 to 6,000 years ago. The horse was domesticated in the Eurasian Steppes around 3500 BC. Scholars have offered multiple hypotheses to explain the historical origins of agriculture. Studies of

13806-419: Was originally built during British colonial administration to transport minerals and is now primarily used for freight. A newer, modern, electric Standard-gauge railway is under construction parallel to the old line and is partially operational up to the country's capital Dodoma . TAZARA Railway connects Dar es Salaam with Zambia. Julius Nyerere International Airport , Tanzania's major international airport

13924-584: Was used for producing livestock, with the sector employing approximately 1.3 billion people. Between the 1960s and the 2000s, there was a significant increase in livestock production, both by numbers and by carcass weight, especially among beef, pigs and chickens, the latter of which had production increased by almost a factor of 10. Non-meat animals, such as milk cows and egg-producing chickens, also showed significant production increases. Global cattle, sheep and goat populations are expected to continue to increase sharply through 2050. Aquaculture or fish farming,

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