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Unequal Burden: How Rental Market Tightness Disproportionately Hurts Low-Income Families

The Hidden Victims of a Tightening Rental Market In the wake of the global pandemic and the subsequent monetary tightening cycle, the spotlight has largely focused on rising mortgage rates and declining homeownership. But what has received far less attention—and arguably carries even greater social consequence—is what happened to those who remained renters. For low-income...

The Credit Tightrope: Understanding the Power of Underwriting Standards in Housing Accessibility

Walking the Credit Line In the modern housing market, access to homeownership is increasingly determined not just by a buyer’s willingness or even ability to pay, but by their ability to meet a series of highly technical lending criteria. Among the most influential—and often misunderstood—are underwriting standards, especially front-end mortgage payment-to-income ratios (PTIs). These standards,...

Private Sector Participation in Guyana’s Growth: Financing, Inflation, and the Role of Banks

Guyana’s economy is expanding at an extraordinary pace, driven by unprecedented oil discoveries and rapidly increasing production. While the public sector is utilizing petroleum revenues to boost infrastructure and social services, the full potential of this transformation hinges on the private sector’s ability to thrive, invest, and scale. A dynamic and inclusive economy cannot be...

Top 5 Takeaways from the 2024 OECD Taxing Wages Report for Caribbean Professionals

Each year, the OECD’s Taxing Wages report provides a comprehensive view of how tax and benefit systems influence the net take-home pay of employees across its member countries. The 2024 edition offers particularly valuable insights for professionals, policymakers, and employers in the Caribbean, where labor market reforms and fiscal modernization are becoming increasingly urgent. As...

Navigating 30+ Years of Global Equity Returns: A Regional Perspective on Market Resilience and Transformation

Over the past three decades, global equity markets have witnessed dramatic cycles of boom, bust, and recovery. From the euphoria of the dot-com era to the scars of the global financial crisis and the uncharted turbulence of the COVID-19 pandemic, equity performance has painted a vivid narrative of economic transformation across regions. Using MSCI indexes...

How SMEs Can Prepare for Digital Payment Innovations in the Caribbean

The New Era of Payments in the Caribbean The way businesses transact is undergoing a massive transformation.In the Caribbean, digital payment innovations — from e-wallets to mobile banking apps — are reshaping commerce at an unprecedented pace. Small and medium-sized enterprises (SMEs) must recognize that consumer expectations, fintech disruption, and regulatory changes are making digital...

Mastering Cash Flow: Professional Accounts Payable and Debtors Management

In today’s fast-moving business environment, cash flow is more than just a financial metric—it’s the lifeblood of your operations. A company’s ability to manage its inflows and outflows effectively can determine whether it thrives or merely survives. At the heart of this dynamic lies two core functions: Accounts Payable (AP) and Accounts Receivable (AR). When...

Brazil’s 2025 Dividend Tax Reform: Key Implications for Individuals and Holding Companies

Brazil is on the verge of implementing a landmark overhaul of its dividend taxation system, poised to affect both domestic and international investors. On March 18, 2025, the country’s Executive Branch submitted Bill No. 1,087/25 to the Legislative Branch, outlining sweeping changes to individual income tax and dividend taxation. If enacted, these changes will come...

Tariff Tensions and Demand Dynamics: How Elasticity Shapes the Fallout

In today’s volatile global economy, tariffs—once simple tools of trade regulation—have evolved into powerful levers of geopolitical influence. With U.S. tariffs on Chinese imports reaching up to 145% and China responding with tariffs ranging from 84% to 125%, businesses and consumers are feeling the shockwaves. But not all goods respond the same way. The critical...

Tariffs and Trade Reality: What Happens When Nations Stop Buying?

The global economy is increasingly shaped by geopolitical tension, economic nationalism, and tit-for-tat tariff battles. A dramatic example of this is unfolding between the United States and China. In 2025, the U.S. clarified that tariffs on Chinese imports have surged to 145%, triggering a retaliatory move from China’s Ministry of Finance, which imposed counter-tariffs ranging...

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Dawgen Global is an integrated multidisciplinary professional service firm in the Caribbean Region. We are integrated as one Regional firm and provide several professional services including: audit,accounting ,tax,IT,Risk, HR,Performance, M&A,corporate recovery and other advisory services

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Taking seamless key performance indicators offline to maximise the long tail.
https://www.dawgen.global/wp-content/uploads/2023/07/Foo-WLogo.png

Dawgen Global is an integrated multidisciplinary professional service firm in the Caribbean Region. We are integrated as one Regional firm and provide several professional services including: audit,accounting ,tax,IT,Risk, HR,Performance, M&A,corporate recovery and other advisory services

Where to find us?
https://www.dawgen.global/wp-content/uploads/2019/04/img-footer-map.png
Dawgen Social links
Taking seamless key performance indicators offline to maximise the long tail.

© 2023 Copyright Dawgen Global. All rights reserved.

© 2024 Copyright Dawgen Global. All rights reserved.