Annabel Biggar-David : Promoting Natural Health Essentials Dynamically

Sustainable farming practices ultimately contribute towards a sustainable ecological environment for future generations. When buying organic, you are assisting in reducing the amount of pesticides used on our planet since these unwanted toxic chemicals have farreaching effects on our bodies, wildlife, and the environment. More than ever before, people have become conscious of their health. There has been a dramatic spike in
demand for plant-based, natural and certified organic products. The majority of certified organic essential oil and aroma health product purchasers are people looking for natural solutions and products for their family. Organic products are in high demand and the natural care movement is strong. Bacteria strains are becoming resistant to antibiotics and there is an awakening of going the natural route.

Preaching this awakening and enabling the right natural solutions for people is one inspiring business leader, Annabel Biggar-David. She is the Founder of OCO Life by Organico. “Destined to be an old woman with no regrets, I am an adventurous, independent, spirited, curious, passionate human living who adores people who make me laugh until I’m physically in pain, yeah they are some of my favorite kind of people,” says Annabel joyously.

To Begin With….

Growing up in Kwa-Zulu Natal, Annabel’s grandmother played a massive role in her life. She had a farm bordering a river in Ixopho where Annabel used to spend weekends and school holidays. “It was then that my love for traditional African medicine was born,” she shares. Annabel’s grandmother was the one who instilled
the entrepreneurial spirit in her. “I started my first business at 9 years old. Growing up I questioned everything I read. I questioned everything I was told,” says Annabel.

Annabel then moved to Mitchells Plain in Cape Town, known as the Cape Flats. The city was infested with gang members but she still continued with her small business and extended the range to toffee apples. As she got older, while holding a full-time job, Annabel would make dream catchers and candles at night and sell to stores and colleagues.

Being of mixed race, growing up in the apartheid system, Annabel always appreciated the saying, “Poverty is like paying for a crime you didn’t commit.” “I have always known no amount of security was worth the suffering of a mediocre life,” describes Annabel. She wanted to contribute to something bigger than herself. She was done working in a job she didn’t enjoy. She was done feeling depressed on a Sunday night knowing that Monday was coming, which she considered Day 1 of the Hostage situation.

Annabel did not want to be imprisoned by a haunting thought of ‘I wish I had’ so she was willing to risk almost
everything. She wants to make a difference in society and create employment. Annabel sold almost everything she owned, applied for loans and when money ran out would barter furniture for services.
“With tensions high in our country and communities, our high unemployment rate as well as more than 50% of South Africans living in poverty as an SME, we are here to make a difference economically,” states Annabel.

The OCO Life

As a multiple award-winning brand, born in Africa, OCO Life is pioneering the health industry with a revolutionary
range of air purifiers, organic essential oil blends, ultrasonic aroma diffusers and traditional medicine. Proudly 100% black woman owned, OCO Life comprises of mothers, fathers, brothers, sisters and neighbours. “Our social responsibility is not only an integral part of our business model, but it is our natural way of doing what we do,” says the team of OCO Life.

The company’s mission is to enable employment in South Africa and create a lifestyle of harmony, where a balance and collaboration exist between people, as it exists in nature, with ethics, integrity, care and respect for surroundings, people and the environment. OCO Life harvests essential oils in their native regions to get the best quality oils available through sustainable agriculture. This benefits the environment by maintaining soil quality, reducing soil degradation and erosion, and saving water. In addition to these benefits, sustainable agriculture also increases biodiversity of the area by providing a variety of organisms with healthy and natural environments to live in.

“Our sustainable agriculture integrates three main goals: environmental health, economic profitability, and social and economic equity,” says Annabel and her team. A variety of philosophies, policies and practices have contributed to these goals. There is a saying that there is no softer pillow than a clear conscience. Team OCO’s social and environmental conscience ensures that they are contributing to something greater towards the world. Annabel and the OCO family assists in reducing the amount of pesticides and toxins used that have enormous effects on our bodies, wildlife, and the environment.

Growing Organically

The difference that OCO Life makes is on a grass roots level as a company. With over 50% of South African’s living in poverty and the staggeringly high unemployment rate, companies like OCO Life, are a driving force of inclusive economic growth & development in S.A. It has a passionate, purposeful driven team that captures the essence of economic value by up skilling employees while reducing its own ecological footprint. “We have a great company culture and strive to be flawless in our service and impeccable with our word,” describes the team of OCO. Annabel does not take the smallest gestures for granted as they speak the loudest. As a team, OCO exists to serve, and they are eco warriors who believe in changing the world, naturally.

“Simply put, we improve lives and have created solutions to our client’s health needs,” says Annabel. OCO Life’s family is a bunch of people who are customer-centric and will never fail to deliver what they are known for. In terms of future professional growth prospectus, Annabel is interested in mentoring the youth during their entrepreneurial journey as it is something, she is very passionate about. Personally, she is an eternal
student and loves to learn and travel. Spending time with her dogs, the theatre, arts, photography, music, reading, adventure sports, and dancing are some of her most favourite things to do.

Penny Holburn: Implausible Businesswoman, Focused towards Changing lives through her venture, Penny Holburn Coaching

“Live out of your imagination, not your history.” Stephen Covey.

A Quote that describes the mindset of the visionary entrepreneur Penny Holburn behind her brand and its motto i.e., one of the greatest gifts human beings have been given is imagination. We use imagination in the wrong way when we use it to worry and fear. We use it in the right way when we use it to transcend what we may think are limitations and disadvantages that life has dealt us.

With a strong  belief ,that like most things, we can use imagination in the right way or wrong way, Penny leads in various roles as HR Professional turned entrepreneur, a certified Personal Coach, Business Coach, and Internal and External Consultant. She holds a rich experience of 25+ years in the fields of psychology, industrial psychology, neuroscience, personal and business change, leadership development, training, counselling and coaching.

Penny has always known what she wanted to do. At the age of 14, she saw herself doing what she does today. She studied in the area she felt was right for her, and has been in a series of jobs that, with hindsight, she can see prepared herself for everything that she does today. If anything influenced her decisions in her career it was her intuition and gut feel. Somehow, she has just always known what the next step needed to be.

About the Brand and the Primary Challenges

Established in 2010, Penny Holburn Coaching provides coaching, counselling, and consulting services to private clients and organizations of any size. The three main areas she focuses on are general life issues around mental wellbeing and personal growth, careers, and business. In addition to one-on-one assistance, which is most of what she does, she also offers courses, toolkits, workshops, and talks.

The primary challenge has always been a constantly changing external environment in which Penny does business. Every year something about the economy, ways of doing business, consumer spending, technology, and legislation changes. So, each year has to be approached differently and each year, and possibly every six months, a new strategy is required. There is no such thing as “this plan worked well last year, it should work well again next year.”

Team & Clientele  

Penny Holburn lives by values. She does not have permanent full-time employees; she works with contractors, other companies, freelancers, and other business owners on an as-need basis. However, in the people she chooses to work with, values are incredibly important. Her three most important business values are – Respect – Excellence – Growth, and the people and businesses she works with need to demonstrate these values. She believes you can get on with people who are different from you. It doesn’t work if you have different values though.

“My clients are the most wonderful human beings. I see almost anyone who wants to work on themselves, their career, and/or their business. Most of my clients are private clients who are committed to growing and developing themselves to be the best they can be. I connect with that. I ensure I help them achieve their objectives,” Penny stated.

Daily Routine and Hobbies

“I am not a morning person, so I gradually get into the morning. The first thing on waking is to work on my mindset and beliefs. I have a book full of affirmations, scripts (including hypnotic scripts), and writings to set my mind for the day. This takes about 30 minutes. Then from about 8.30 am to 6 pm I work. Sometimes I see a client in the evening so I finish later. There is no standard day and no routine. Generally, the workday covers the following: client appointments (most of the time), admin, writing courses, writing blogs and articles, updating social media and doing marketing”, Penny shared.

“After work, I have a 30 minute time to wash away the stresses of the day. I do this relaxation in the garden when possible. I read for about an hour before going to sleep. Hobbies include gardening, listening to music, reading, attending theatre and concerts”, she further added.

Favourite Book

Dr Joseph Murphy’s, “The power of your subconscious mind.” Your subconscious runs your life. If you want your life to work, then you need your subconscious mind to work for you.

Future Goals

While talking about future goals, Penny said, “The mission of my business is to facilitate mental well-being, personal development, and peak performance so that everyone is enabled and empowered to reach their full potential. I can still see that being relevant in the next year, together with the services and products I offer. The mix of products and services will depend on the needs of the market and clients. I have always offered online services, and possibly this may be a growth area next year. Fortunately, as a very small company, I can change direction very quickly if required to. This year, with Covid-19, so many people have had their lives, careers, and businesses thrown into disarray, and so there has been plenty of need.”

Jewels in the Crown

Here is the list of awards won by Penny in the last five years:

  • 2016: Executive Coaches of the Year, awarded by AI Global Media
  • 2016: Winner best for personal and business coaching Johannesburg, awarded by Corporate Vision Magazine.
  • 2017: Best personal development coaching company in Gauteng, awarded by AI Global Media
  • 2017: Excellence award for anxiety coaching, awarded by AI Global Media
  • 2018: Shortlist Business Coaching Advisor of the year in South Africa, by Finance Monthly Global.

Advice for New Leaders

Be brave, but don’t be reckless. If you believe in your business idea then keep at it and always stay in touch with your customer and their needs. Be flexible – the world is constantly changing – and it will continue to do so. You may have to change your strategies and tactics very quickly. Be able to do that. Your business will never be better than you are, so keep working on yourself as a person and as a leader.

Amanda Blankfield-Koseff: An Inspiring Woman Focused on Empowering People With the YCAP youth programme

With a strong determination to empower people, Amanda Blankfield-Koseff has been running The Youth Citizens Action Programme since 2009, and Empowervate Trust which is where YCAP is run from April 2013 as a CEO. The superwomen and visionary leader, Amanda always wanted to help people by motivating them to reach their potential. Before being the part of this programme, Amanda worked at Afrika Tikkun for five and a half years doing marketing, events and communications in the community and youth development space. Her career began in the sales and communications industry at DS-Max, Camper Shoes, Ventureweb and Dennis Jankelow and Associates after completing. In academics, Amanda completed her Communication Science Bachelor Degree at Bond University and Honours in Communication at the University of South Africa.

Apart from her entrepreneurial success, Amanda is a black belt in Kung Fu, and also a guitarist and singer who has just released two albums. She went to Belgium last year on a climate exchange programme. She is a curious person, who loves learning.

About the Programme

The Youth Citizens Action Programme provides youth with a project management manual that explains how to create social projects in their schools and communities – and then there is a provincial competition and national competition where the winners of the best projects with the most impact receive prize money for their schools to use in expanding their projects or creating new ones. This programme has been running across all 9 provinces and the Department of Basic Education are implementation partners.

From 2020 the YCAP programme was pivoted to an online version with some changes because of the Covid19 pandemic, and it is called The Young Active Citizen Awards. The programme does the same as YCAP as it empowers and motivates students at the primary and secondary school level to be active citizens with a social entrepreneurial mindset. The focus is on practical social entrepreneurship skills development, values and personal development.

What Inspired To Be An Entrepreneur?

Amanda shared, “Both of my parents are entrepreneurs so I grew up knowing that I did not have to work for a boss. I started my own small businesses as a child and started teaching guitar lessons part-time from the age of 18. I studied Business Communication and did my honours in Communication Science and then worked at a direct sales company for a year and a half where we cold-called at businesses. Then I worked at a company that managed large corporate websites. I was yearning to do something that made a difference in people’s lives, so when I got a job as a marketing assistant at a child and youth development non-profit I was excited to do something meaningful. It was when I was promoted to the marketing manager and had to run a youth dialogue that I realised my passion lay with youth development. “The YCAP programme was incubated there and just under 4 years later, I moved it into its own non-profit organisation: Empowervate Trust.”

Clientele and The Team

Here, clients are two-fold: the sponsors and partners from the corporate world, foundations, government departments, individual supporters and the beneficiaries who are the learners and teachers at the schools nationally where we work.

There is a very lean model. They do not believe in spending donor money on fancy offices and loads of salaries. Instead, they partner with the Department of Basic Education who have the systems and staff in place to reach all the schools nationally and then we design the programme and manage it while fundraising for the programme and organisation. They work well as a team because they realise that they have a common goal: the empowerment of the next generation of active citizens and social entrepreneurs. Amanda and her team bring their own strengths to the partnership.

Major Hiccups

Our pivot due to Covid19 was to start the Young Active Citizens Award, which is an online version of YCAP and it has more freedom and options than YCAP The challenge with Covid19 is the fact that our district, provincial and national workshops and showcase events could not take place. Also, in South Africa, our schools were closed for months during the lockdown, and the programme we run needs to be run at the schools. So when the schools reopened in August we launched this new programme and it was a major success Amanda stated.

The Driving Force

The first element in the success Amanda has today is how she was raised – always knowing that she could be an entrepreneur. Then, her husband believed in her and encouraging her to do it even though Empowervate was started in the same year they got married so it was pretty stressful. Then she thanks her mentors, partners and those who believed in the vision and supported her.

Suggestion For A Balanced And Equal Industry

The days of only focusing on increasing shareholder profit are gone. Every company needs to shift to a model where the community and planet are top priorities, and if that means a slightly lower profit to ensure sustainability, then it will be worth it.

Daily Routine And Hobbies

While talking about her routine, Amanda shared, “I like to meditate, then exercise in the morning – either running or using apps (since Covid19 when gyms were closed) to do pilates, strength or cardio training. After breakfast, I get urgent and important work done. Then I meditate again, practice singing and then do more work after lunch. In the late evenings I teach guitar online (since Covid19). I do more work after that, then have dinner and watch Netflix with my husband and our two giant cats. Sometimes I have to travel for work, but during Covid19 most has been online.”

Favourite Book

Deepak Choprah’s “SynchroDestiny”, Michael E. Gerber’s “The E-Myth” as well as anything written by Richard Branson.

Road Ahead

I am excited about the future of Empowervate because we are looking to expand outside of South Africa. We see the value in the programme over the last 11 years and want to share our model with other continents. We also want to connect young people around the world so they can share the solutions they came up with in solving social, environmental, educational and economic challenges in their countries.

Awards And Milestones

Empowervate received the CPSI Special Ministerial Award in 2019, we received the Premier’s Youth Excellence and Service Award in 2018 for Education Excellence. We have the Community Support Organisation Award from ROCCI. Amanda, our CEO is one of 200 inaugural Obama Leaders: Africa, and she was one of the top 200 Mail & Guardian Young South Africans (2015). She has also been a finalist in the Europcar Women in Leadership Awards for three years running.

A Piece Of Advice For Female Entrepreneurs

Having some support is vital– no matter whether it’s personal or professional or both, this entrepreneurship journey can be a lonely one so it’s important to know you can ask questions and get advice when you need it from people you trust. Women must also promote themselves better – men are much better at self-promotion and appearing more confident than they are. Women are too apologetic and self-conscious at times. Own the space!

Favourite Quote

“It’s always darkest before the dawn” – Thomas Fuller

Why more Women Entrepreneurs should consider investing?

Women have been breaking the glass ceiling in all walks of life, especially the business world. According to research, now women are in charge of four out of 10 businesses in the U.S., and the number of businesses owned by women’s own has gone up by 114 percent in reference to the data acquired twenty years ago. Of course, they are in no mood to slow down and more and more women are going to college and educating themselves, and becoming the prime breadwinner in their respective families. 

In spite of all the progress women are making in the right direction, they still struggle in terms of management of cash and especially investing, compared to their counterparts. According to a popular business magazine, women are far behind men when it comes to financial literacy tests and they also tend to invest 40 percent less in comparison with men. Though women are considered great with saving as they save 9 percent of their salary, while on the other hand men save only 8.6 percent. But when women were asked what they would do if they were handed $1,000, and the immediate response was that they were 35 percent less likely to invest the money when compared to men.

Even though women entrepreneurs run business excellently and are great at money-saving. They have a hard time understanding the importance of investing – even at the cost of taking some risks. In order to help women invest more, there are tons of online investing platform made for women, that has taken an initiative to bring the change by providing the required guidance and mentoring needed to handle those risks successfully. 

Why investing can be difficult for women entrepreneurs?

Women entrepreneurs have higher chances of gaining more personal and business capital through investing. They can also advance their savings and secure their financial future. For example, if they put their money into a traditional savings account, which will build upon average only about .01 percent to .06 percent a year in interest, whereas, comparing that to the stock market, where one can get historical returns of 10 percent and the window to gain quarterly dividends. So if they are putting $1,000 into a savings account and gaining .05 percent interest, they would be getting $5 in interest over the course of a year. But, if they put it into the stock market, then they can potentially get a 10 percent return, and eventually, they’ll make $100 that year. 

But how to actually get started? 

Associating with online investing platforms will definitely help in creating and managing their personalized portfolios. The investment algorithm will weigh crucial factors in women’s lives such as career breaks, pay gaps, and longer lifespans, and decide with their financial planners.

Women entrepreneurs might find it intimidating, as they have never bought a stock share but now have a desire to get into bonds and real estate but don’t know-how. But with the help of proper guidance, they can start investing in a diversified portfolio easily and begin to boost their financial future.

Empowering Women

Why Empowering Women is Beneficial For Society

When human beings were living in the wild and society had not yet been established, there was a sense of equality between men and women. As societies developed all over the world, the status of women in these societies gradually reduced and women had very little or no power. This reduced their influence and almost made women the weaker citizens or secondary citizens in society as compared to their male counterparts. Systemic sexism, no control over their lives and destiny, physical and mental abuse and a lack of respect for women has been seen all over the world for thousands of years. But over the last few decades, women are finally but gradually getting more empowered and women’s empowerment is beneficial for the women in the society as well as the society in general.

Steps to Empower Women in the 21st Century

  • The circumstance of one woman is very different from another but women’s empowerment is a global concept and some countries are doing better on this score than others. 
  • Some basic methods and steps are needed in most societies to empower women. Education is the basic step to empower women as an educated woman can earn a living and also know her fundamental rights.
  • Access to food and clean drinking water is an essential step and in some countries, access to sanitary toilets is also essential. 
  • It is essential to make people understand that young girls have to be treated equally at home and in society. Encouraging them to work towards a fulfilling and achievement- oriented life is important.
  • Improved access to healthcare, ability to work and earn money, protections from physical and mental abuse at home and in the workplace, and just giving respect to women is important.
  • The access to police protection and also a just and fair rule of law in society helps in women empowerment. The rights to vote, elimination of practices like child marriage, and better inheritance laws for women are all important steps toward women’s empowerment. In some cases, reservation for women in politics, in employment and education helps in the empowerment of women.

Benefits of Women’s Empowerment

The main benefit of women’s empowerment is the upliftment for women and equality in society all over the world. Women are half of the population on the planet and it is important culturally and economically for women to contribute to society. The steps of women empowerment mentioned above, protect women, give them a sense of equality and achievement and also make them more valuable members of society. Braking through barriers make women more independent and more confident, this makes it beneficial for society. Women are good at making a decision, calmly reacting to situations, solving problems and encouraging women to study or work in non-traditional fields like politics and science is a great idea.

The benefits to women and society of empowering women are limitless. It is a smart choice to make society more just, equal and one that encourages and respects women. It is a gradual process and the world is changing in this aspect one day at a time.

The few challenges faced by women entrepreneurs

Women entrepreneurs represent one of the best business leaders in the world has ever seen. Entrepreneurship, once considered a man’s world, has slowly changed. Despite progress, women continue to face challenges. Fear of failure, lack of security and difficulties in obtaining financing are some of the obstacles that women entrepreneurs tend to face over their male counterparts,

Harmonize company and family

Women entrepreneurs are often torn between commitment to family and business. The foundations on which the foundations of the family are built are provided by women. Furthermore, they have grown up in a culture that expects them to always fill a variety of roles.

All aspects of life increase and decrease depending on where our energy is invested. Hard work, sacrifice, and determination are the keys to harmonizing facets in life. Create realistic expectations and come to terms with the fact that no one should do everything.

Humility vs. pride

If something goes wrong, women are likely to blame themselves for causing the mistake, while men blame external forces or luck. When something goes well, women attribute it to luck, while men see it as a confirmation of their abilities. Women need a mindset shift to reframe mistakes as feedback and an opportunity to grow.

Women need to show off more

For centuries, women have fought for recognition of their achievements. Having the confidence to promote yourself and acknowledge your successes without fear of how others will perceive you is mandatory.

One of the best ways to grow and build your company is to take advantage of your achievements and translate them into job offers. Integrate your “successful self” into business to lead the way for other women to follow your example.

Sharing experiences is another inspirational way for women to connect and be mentors. Successful women entrepreneurs must allow themselves to shine.

Convince them to invest in you

Women continue to have more difficulties than men in obtaining financing. Recent research revealed that women entrepreneurs open companies with 50 percent less capital than men.

Venture investors tend to invest in men for their potential. Instead, women are judged on their current performance. Harvard Business Review recently published that women entrepreneurs who highlight the social impact of their ventures generate more positive perceptions. When looking for financing, be prepared to clearly explain how you want your business to look in five years, how your mission will change the landscape of your industry, and your earning potential.

In simple words, several organizations actively support diverse business visions by offering loans and financial assistance for working capital. For example, Indigenous women’s entrepreneur program exist to specifically aid Indigenous women in starting and expanding their businesses. Such initiatives provide financial backing and offer valuable guidance and resources tailored to empower Indigenous entrepreneurship.

Raise the goal

Women underestimate what they can achieve. Many women start their businesses as a hobby to make some extra money without taking a lot of risk. If you have bigger dreams, it is imperative to have a clear perspective and long-term goals to direct your efforts to get what you want. Create a support network around you, celebrate progress toward goals, and continue to grow and expand your thinking.

Believe in themselves

Women are prone to putting themselves down and not trusting themselves to be successful. The 2016 BNP Paribas Global Entrepreneurship Report revealed that women are more ambitious and successful than their male counterparts when it comes to business. Catalyst found that companies with the highest representation of women in senior management consistently experienced better financial performance than the group of companies with the lowest.

The 5 Advantages Women Entrepreneurs Have Over Men

Women entrepreneurs in Mexico only represent 16% of the business sector (INEGI, 2012). So much
has been said that men have more access to education, business, technology, justice and security.
And although it is true, and this should change, we must also recognize that being a woman has its
advantages in the business world. It is true that with the passage of time women have gained ground
in the business field, however, it is still not possible to have equal conditions for men and women, so
it is important to know the advantages that exist when being a woman and being enterprising.
The main advantage that women have is the commitment and dedication they have with their
company. In a world where the command most of the time is in the power of men, women have the
need to stand out, so the commitment and dedication to their company is greater in order to be able
to position it as the best.

1. You stand out from the rest automatically

As there are more men, women entrepreneurs are easily detected and it allows your presence to be
more visible.

2. They create more loyal friends in the business sector

Being few women, you will easily find a loyal friend who is going through the same thing as you,
someone you can trust and unconditional mutual support.

3. There are supports and events only to empower women entrepreneurs

At present, specific events are created to empower or empower women, as well as associations of
businesswomen and public entities in order to support women. Yes, focused only for women.

4. Women live longer than men

Women live on average longer than men, in 2014, life expectancy was 77 years for women, and 72
years for men. (INEGI) In other words, we can: undertake, make mistakes, start again, be successful,
and even then we will have a few more years.

5. Women learn to make the most of time

This is experienced a lot by businesswomen with children, since having to combine personal, family,
professional, couple life, etc .; They learn to manage their time very well, to do things very well the
first time, and to prioritize objectives.

You are accepted more easily

According to a survey carried out by the Center for Social Studies and Public Opinion, 78% of people
believe that women are more trustworthy versus 21.7% men. That is, by being considered as more
reliable, you will have more opportunities if you decide to be an entrepreneurial woman.

There is less to expect from you

And it does not mean that they do not take you into account, but that there are few women, you will
not have stereotypes extracts to follow, and you can build your style little by little.

You will never get bored because you will have constant changes

Unlike men, women can become pregnant and have children, which will require changes from
pregnancy, birth and at each stage of development, which will require you to adapt
In short, being a woman is not the easiest thing in the world, but it does have its advantages. We
must continue fighting to leave behind all the disadvantages, we must recognize all the good that we
have and help more women to undertake.

Perfect Ways of Analyzing and Interpreting Financial Data

To survive and flourish in this day and age of aggressive competition, volatile markets, complex, globalizing business world and economic conditions, businesses must necessarily leverage the wealth of data at their disposal. By analyzing and interpreting the large volumes of financial data from disparate internal and external sources, businesses can gain a competitive edge and forge ahead of their competition while continuously improving their profitability and growth.

As more businesses and domains understand the importance of financial data analytics, the demand for professionals with credentials and advanced skills is soaring up. Accordingly, their remunerative packages are turning more lavish. This is why more working professionals, in finance, banking and other fields are taking up financial analytics courses and Financial Analytics Certification.

Five ways to analyze and interpret financial data:

The best financial analytics courses will delve deeper into each of these perfect ways of analyzing financial data and equip you with the skills and tools to drive your organization towards superior performance and profitability.

  1. Financial analytics using R and Python: R and Python are powerful tools that are used to analyze and interpret financial data.
  2. Exploratory data analysis: This is where you find the trends, patterns and correlations between various parameters that are hidden in the financial data. Using this way, you can understand the current financial status, performance and position of a business or an entity. You can visualize the data and understand it in an effective manner.
  3. Predictive analysis: It is not enough to know about the present and plan for it. It is very important to understand future trends and patterns in order to be profitable and grow. Predictive analytics helps in doing this. It uses forecasting techniques and statistical methods to understand the future, giving us the probability of our predictions happening in the future as well as actionable insights that are data-driven. You typically use data mining techniques, forecasting and time series analysis.
  4. Prescriptive analysis and modelling: Is it enough to simply forecast and predict the future? No, absolutely not. Prescriptive analytics enables businesses to optimize their functioning and gain a competitive advantage in the future by leveraging the invaluable insights and simulation/ modelling techniques to understand how best to address future uncertainty and achieve the best outcomes. For instance, stock price modelling, risk modelling, etc.
  5. AI and Web scraping (news analysis, sentiment analysis, etc.): Social media, news, etc. are powerful in affecting the way customers/ clients, investors, etc. view your business and can affect your business and financial outcomes as well. So, engaging in web scraping using AI and news analytics, sentiment analytics, etc. you can get valuable insights about factors that affect your financial performance.

Enroll in the best financial analytics courses to gain a deeper understanding of ways to engage in financial analytics.

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