puttalam to colombo train time table

Please provide start and end railway stations as mandatory details to search for train schedules. You may opt out of Contact phone Number : 032-2247671 Please enter your username or email address to reset your password. Distance from Fort station : 82.4 km WebSearch Train Search results from COLOMBO FORT to NEGOMBO on 27/04/2023 between 00:00:01 Hrs and 23:59:59 Hrs Back [17] Train (s) available Direct Trains Ticket Prices 150 - Rs. 7: Sri Lanka Train Schedule. WebTrain Type : Runs on : Saturday Only Arrival : N/A Departure : 05:30 am More.. Intercity (Polgahawela Colombo Fort) Train Type : Runs on : Daily Arrival : 05:35 am Departure : WebCOLOMBO FORT: 17:18:00: 17:18:00: PUTTALAM 21:05:00: NEGOMBO 18:23:00: NOT ON SATURDAY & SUNDAY: COLOMBO COMMUTER: Available Classes: 2nd Class , 3rd Class Chilaw railway station WebPuttlam Line Railway Time Table Sri Lanka railway department web site provides most accurate railway time table. UTC+05:30 ( Sri Lanka Standard Time Zone) Puttalam ( Sinhala: , romanized: Puttalama; Tamil: , romanized: Puttaam) is the largest town in Puttalam District, North Western Province, Sri Lanka. Distance from Fort station : 76.4 km WebSri Lanka Train/Railway Schedule: Find Schedule. )Public procurement and human rights:Current role and potential of voluntary sustainability standards.pp.132-149 In:Martin-Ortega O and OBrien CM,eds.Public Procurement and Human Rights.Edward Elgar Publishing.Cheltenham:Marx A and Cuypers D(2010).Forest certification as a global environmental governance tool:What is the macro-effectiveness of the Forest Stewardship Council?Regulation&Governance.4(4):408434.Marx A and Wouters J(2015a).Competition and cooperation in the market of voluntary sustainability standards.In:Delimatsis P,ed.The Law,Economics and Politics of International Standardisation.Cambridge University Press.Cambridge:215241.Marx A and Wouters J(2015b).Redesigning enforcement in private labour regulation:Will it work?International Labour Review.155:435459.Marx A and Wouters J(2018).Explaining new models of global voluntary reg rganizationalcan organisational studies contribute?Global 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the trade and environment nexus:Insights from a new data set.Global Environmental Politics.18(1):122139.MSI Integrity(2020).Not Fit-for-Purpose:The Grand Experiment of Multi-Stakeholder Initiatives in Corporate Accountability,Human Rights and Global Governance.See https:/www.msi-integrity.org/wp-content/uploads/2020/07/MSI_Not_Fit_For_Purpose_FORWEBSITE.FINAL_.pdf.OECD(2020).Trade policy implications of global value chains.Paris.Available at https:/www.oecd.org/trade/topics/global-value-chins-and-trade/.ORourke D(2012).Shopping for Good.MIT Press.Cambridge,MA.Oya C,Schaefer F and Skalidou D(2018).The effectiveness of agricultural certification in developing countries:A systematic review.World Development.112:282312.Ponte S(2019).Business,Power and Sustainability in a World of Global Value Chains.Bloomsbury Publishing.London.Power M(1997).The Audit Society:Rituals of Verification.Oxford University Press.Oxford.Rickenbach M and Overdevest C(2006)More than markets:Assessing Forest Stewardship Council(FSC)certification as a policy tool.Journal of Forestry.104:143147.Sabel C,ORourke D and Fung A(2000).Ratcheting labor standards:Regulation for continuous improvement in the global workplace.Columbia Law and Economic Working Paper No.185.Columbia Law School,New York,NY.Scharpf FW(1999).Governing in Europe:Effective and Democratic?Oxford University Press.Oxford.Schleifer P,Fiorini M and Fransen L(2019).Missing the bigger picture:A population-level analysis of transnational private governance organizations active in the Global South.Ecological Economics.164 106362Strathern M(2000).Audit Cultures.Routledge.London.Takahashi T(2001).Why firms participate in environmental voluntary initiatives:Case studies in Japan and Canada(PhD.thesis).University of British Columbia,Vancouver,BC.Takahashi R and Todo Y(2013).The impact of a shade coffee certification program on forest conservation:A case study from a wild coffee forest in Ethiopia.Journal of Environmental Management,130:4854.Takahashi R and Todo Y(2014).The impact of a shade coffee certification program on forest conservation using remote sensing and household data.Environmental Impact Assessment Review.44:7681.Taufique KM,Vocino A and Polonsky MJ(2017).The influence of eco-label knowledge and trust on pro-environmental consumer behaviour in an emerging market.Journal of Strategic Marketing.7:511529.Tayleur C,Balmford A,Buchanan GM,Butchart SHM,Ducharme H,Green RE,Milder JC,Sanderson FJ,Thomas DHL,Vickery J and Phalan B(2017).Global coverage of agricultural sustainability standards,and their role in conserving biodiversity.Conservation Letters.10:610618.43Thgersen J,Haugaard P and Olesen A(2017).Consumer responses to ecolabels.European Journal of Marketing.44(11/12):17871810.Traldi R(2021).Progress and pitfalls:A systematic review of the evidence for agricultural sustainability standards.Ecological Indicators.125,107490.UNFCCC(2021).Gabons Proposed Modified National REDD Forest Reference Level Conseil National Climat,Gabonese Republic.Available at https:/redd.unfccc.int/files/gabon_frl_modified_oct2021_clean_final.pdf.UNCTAD(2013).Non-tariff measures to trade:Economic and policy issues for developing countries.Available at https:/unctad.org/system/files/official-document/ditctab20121_en.pdf.UNCTAD(2019).Trade Policies and Their Impact on Inequalities(United Nations publication.Sales No.E.19.II.D.21.Geneva).Available at https:/unctad.org/system/files/official-document/tdb66_d4_en.pdf.UNCTAD(2021a).Better Trade for Sustainable Development:The Role of Voluntary Sustainability Standards.Available at https:/unctad.org/meeting/better-trade-sustainable-development-role-voluntary-sustainabilitystandards-vss.UNCTAD(2021b).The Bridgetown Convenant:From Inequality and Vulnerability to Prosperity for All.Available at https:/unctad.org/system/files/official-document/td541add2_en.pdf.UNCTAD(2022).NTMs from A to Z. WebPourtant, lhumanit sest engage aveuglment sur un chemin prilleux. Distance from Fort station : 32.4 km Find Train/Railway schedule, railway ticket price and Railway station contact detail. Une surconsommation et un surdveloppement vampiriques, une exploitation non durable des ressources en eau, la pollution et le rchauffement climatique incontrl sont en train dpuiser, goutte aprs goutte, cette source de vie de lhumanit. WebDeparture Time: 06:21:00: Arrival to COLOMBO FORT : 07:30:00: End Station: COLOMBO FORT: Arrival to COLOMBO FORT : 07:30:00: Train Type: COLOMBO COMMUTER: Train A flight, belonging to Sri Lankas Fitsair, carrying 143 passengers from Chennai to Colombo was on Friday diverted to the countrys southern provinces Mattala airport due to inclement weather, aviation officials said. (2001) 10 VSS VSS VSS (Auld et al.2008bMarx and Cuypers,2010)(Garrett and Pfaff,2019)(Grabs,2020)Ponte(2019)9 VSS VSS VSS ()(Bright et al.2020UNFSS,2022) VSS (Faggi et al.2014Takahashi,2001)/(Galati et al.2017) VSS VSS (Auld et al.2015Rickenbach and Overdevest,2006)Galati et al. 1200 and the journey takes 4h 28m. [emailprotected]Call Us :(+94) 112 429 429. 300 Mn to be added to Anuradhapura roads, Drug lord Kudu Anju to be brought here from France, Set up Presidential Commission to probe Aragalaya violence Prasanna Ranatunga, Separate probe on X-Press Pearl bribery case, Tug-of-war - three Commissions without members, Biggest duty concessions for Sri Lankan workers abroad. Distance from Fort station : 45.0 km , The Colombo - Kandy route (A1) passes through Peliyagoda, Kadawatha, Nittambuwa, Warakapola, Ambepussa, Kegalla, Mawanella, Kadugannawa and Peradeniya, The Colombo - Matara route passes through some major cities such as Moratuwa, Panadura, kalutara, Aluthgama, Ambalangoda, Hikkaduwa and Galle. Web471.1/km 2 (1,220/sq mi) Time zone. The French police have arrested Ratmalana Gonakovile Kudu Anju, an underworld gang leader and drug trafficker. Many May Day rallies and events will be held in Colombo. Distance from Fort station : 35.3 km Contact phone Number : 031-2255271 WebColombo Fort Puttalam Train Type : Runs on : Daily Arrival : 10:20 am Departure : 10:23 am More.. Colombo Fort Chilaw Train Type : Runs on : Daily Arrival : 11:24 am Departure : (2022). 2022 . 1.2 Annual Report|20231 721 N8 1 N1 N1 N1N1020221231272022121 N21060 2030 2021-2035 2021-2025 2021-2025 1.1 N10 . Select Your origin : Distance from Fort station : 91.6 km WebColombo-1 (Fort) Colombo-2 (Slave Island) Colombo-3 (Kollupitiya) Colombo-4 (Bambalapitiya) Colombo-6 (Wellawatte) Colombo-7 (Cinnamon Gardens) Train SchedulesMenu Toggle Colombo Fort Timetable Sri Lanka Bus Routes Search for: Search Colombo Fort Sri Lanka's Commercial Heart Home Train Schedule Main Menu Colombo Fort WebArrival to COLOMBO FORT: 11:55:00: Departure Time: 11:55:00: Arrival to CHILAW : 14:37:00: End Station: NOORANAGAR: Arrival to NOORANAGAR : 15:59:00: Train Type: COLOMBO Contact phone Number : 032-2265271 About. 5500 Drive 1h 35m Drive from Kurunegala to Puttalam 87.9 km Rs. (Employment status of the Hispanic or Latino population by age and sex. Polwattage said.The Seethawaka Odysseys Saturday timetable will differ from its Sunday schedule and will commence at 8.30 am from Colombo Fort Railway The route goes through Tennekumbura and Adhikarigama. Distance from Fort station : 147.8 km (United Nations publication eISBN:978-92-1-001189-1).UNCTAD(2022).Global Trade Update.Available at https:/unctad.org/webflyer/global-trade-update-february-2022.Geneva.UNFSS(2013).Voluntary Sustainability Standards.Todays Landscape of Issues and Initiatives to Achieve Public Policy Objectives.United Nations Forum on Sustainability Standards.Part 1:Issues,and Part 2:Initiatives.Available at https:/unfss.org/wp-content/uploads/2012/05/unfss-report-issues-1_draft_lores.pdf;https:/unfss.org/wp-content/uploads/2012/05/unfss-report-initiatives-2_draft_lores.pdf.UNFSS(2016).Meeting Sustainability Goals:Voluntary Sustainability Standards and the Role of the Government.2nd Flagship Report.Geneva.UNFSS(2020).Scaling up Voluntary Sustainability Standards Through Sustainable Public Procurement and Trade Policy.Geneva.UNFSS(2022).Voluntary Sustainability Standards,Sustainability Agenda and Developing Countries:Opportunities and Challenges.Geneva.Van der Ven H(2019).Beyond Greenwash:Explaining Credibility in Transnational Eco-Labeling.Oxford University Press.OxfordVogel A(2005).The Market for Virtue:The Potential and Limits of Corporate Social Responsibility.Brookings Institution Press.Washington,DC.WTO(2018).Mainstreaming Trade to Attain the Sustainable Development Goals.Geneva.Available at https:/www.wto.org/english/res_e/booksp_e/sdg_e.pdf.WTO(2022).MC12 outcome document.Available at https:/docs.wto.org/dol2fe/Pages/SS/directdoc.aspx?filename=q:/WT/MIN22/24.pdf&Open=True.WWF(2017).SDGs Mean Business:How Credible Standards Can Help Companies Deliver the 2030 Agenda.WWF-ISEAL joint report.Gland,Switzerland.Available at https:/sustainablefdi.org/index.php/resourcecenter/pin/564.44Photo credit:Cover elenabsl-Adobe Stockunctad.org/tab Printed at United Nations,Geneva 2228677(C)February 2023 39 UNCTAD/DITC/TAB/2022/8, SDR06SDRHamletSDR1.SDRSDRSalesSalesSDRSDRMDRSDRMDRMDRSDRSDRSDRMDRSDRSDRInboundInboundOutboundMDRMarketing Development RepresentativeMQL Development Representative2.SDRSDRSales Development Representative3.SDR//MQL/SQLSDRMQLSQLMIL-Marketing Identified LeadMarketing Qualified LeadSales Qualified LeadOpportunityTop of FunnelMiddle of FunnelButtom of FunnelTrafficSDR0105MQL7SLGMLGSLG4.1 NSDR LeaderSDRSDRSDR LeaderSDR68WinnerSDR!#$%&()*SDR ,SDRSDRMQLMQLSDRSDRSDRMQLMQLSDRSDROKRMQLMQLMQLMQLSQLMQLSQL/SDRSDRMQLMQLMQLSDRMQLMQLSDRMQL MQLSDR SDR MarTech1.SDRSales Development Representative2.3.SDR4.5.MarketingSalesCRM7&SOP612000629 2000SDR06, -1-2022!122#$50%&$&$569% !#$%!#$% 6 ESG!&(%!&(% )-2- 40 ()* ,-)* ,-./01./01 1EV 13 1-3- 2050 4000 40 2(34567)* ,-89:;?AB%2(34567)* ,-89:;?AB 21 40 60%70%-4- 40 2020 40 5 2019 159% 2*1 &,-./&0123 40 -5-2021 8 40 C(DEFGHI:JKLMNOPQ C(DEFGHI:JKLMNOPQ 2021 40 2020 32% 127% 40 *2 4545 40 6-789:;-6- 2022 40 40 2022 16% 2021 -7- 40 2022 2022 1590 1570 R(R(ESGSGTUVWX:YZSGTUVWX:YZ ESG 40 ESG 2021 Greenwashing 40-8-ICMM 20%-9-ESG2021 10-15 ESG ESG ESG ESG 40 1)2)-10-3) 40 4) 40 40 _(ab_(ab40c,dc,deYfeYf 40 OEM -11-ESG ESG Mine 2022 A critical transition,June 2022,by Pricewaterhouse Coopers -12- 13240943261 -14- 66 8 100048 01088559658 15117933026 01088558833 ) . Contact.     Back to Sri Lanka railway Network, Sri Lanka railway department web site provides most accurate railway time table. /B2-20190120. kattuwa railway station Also Read: Congressional Investigators Blame Airline for Most Flight Cancellations: Report. Contact phone Number : 031-2277271 Tickets cost Rs. 8%p.a.543210201110.41210.31310.71410.91511.11610.71711.11811.91911.92012.1202112.7White,non-Latino householdsLatino householdsExhibit 3The gap in Latino consumption based on their share of population has decreased in the past 5 years,but is still meaningful at$554 billion.The gap in Latino consumption based on their share of population has decreased in the past 5 years,but is still meaningful at$554 billion.Latino share of aggregate expenditure vs.share of population,iference between total aggregate household expenditure times Latino share of population,and current Latino aggregate expenditure.From Consumer Expenditure Survey.Source:US Census Bureau,Consumer Expenditure Surveys(https:/www.bls.gov/cex/)(2020)17.6.7 16-6.9 p.p.-6.9 p.p.12.7 2118.9%Share of populationShare of consumptionAggregate expenditure for US households in 2021 was$8.937BAggregate expenditure for Latino households in 2021 was$1.135BRepresenting agap in consumption,or 6.2pp diference with expected expenditure based on the Latino share of households$554Bcompared to$20,900.16 This is largely driven by higher spending on essentials,with half of Latino income,on average,going to food at home,housing,and healthcare.However,given that Latino households are larger than non-Latino White households(with an average of 3 people per household,compared to 2.3 for non-Latino Whites),the actual spend per consumer is slightly lower($7,100 for Latinos versus$9,087 for non-Latino White counterparts).1716 Ibid.17 Ibid.17The economic state of Latinos in the US:Determined to thriveLatino consumer needs are not being metAcross all categories,Latinos are more dissatisfied with current offerings than their non-Latino White counterparts.18 Twenty-eight percent of Latinos report being unhappy with current product offerings,compared to 21 percent of non-Latino Whites.19 Dissatisfaction represents a missed opportunity for companiesLatino consumption could be significantly increased if their needs were met more effectively.In some instances,Latinos may have a need for products in particular categories but are not purchasing,while in other instances,Latinos are buying products in categories even though they are not satisfied with the product choice,quality,or price.Product penetration among Latinos can be low:a quarter of Latinos do not currently purchase in specific spending categories(such as makeup or full-service restaurants),despite being decision makers and having a need for the product,thus creating another significant opportunity for companies.Consumer dissatisfaction varies extensively among Latino subgroups,driven by differences in education,income,background,and gender.Latinos who are less educated are unhappier with products.Their dissatisfaction scores are 14 percentage points higher than the average Latino.Those who have not completed high school are three times more dissatisfied than non-Latino Whites at the same educational level.20 Latinos from lower-income backgrounds(less than$50,000 per year)have an average dissatisfaction nine percentage points higher than the average for Latinos,at 37 percent.And first-generation immigrants are seven percentage points more dissatisfied than average.Latina women are ten percentage points more dissatisfied than Latino men,similar to the 12 percentage point difference seen between White men and women.Latino dissatisfaction with current product offerings grew significantly between 2021 and 2022 across all categories,and they are consistently more dissatisfied than non-Latino Whites,even though non-Latino Whites are also more dissatisfied than previously.Beauty and personal care,18 Dissatisfaction is measured by rating satisfaction levels between one and six on a ten-point scale.19Consumer survey,McKinsey,August 2022(n=4,400).20Consumer survey,McKinsey,August 2022(n=4,400).A quarter of Latinos do not currently purchase in specific spending categories,despite being decision makers and having a need for the product,thus creating another significant opportunity for companies.18The economic state of Latinos in the US:Determined to thriveentertainment,hospitality and travel,vehicle purchases,housing,banking and financial services,and healthcare are all categories with higher-than-average Latino dissatisfaction.Latinos are dissatisfied with current product offerings for several reasons,particularly price,lack of features,and lack of value for money.For both non-Latino Whites and Latinos,affordability and quality are the main decision drivers for purchases.High prices are linked to dissatisfaction across categories,and,given low disposable income(as discussed in the previous chapter),remain a critical consideration.A shortage of quality products and poor value for money also lead to dissatisfaction(Exhibit 4).And,while less important than price,customers are disappointed with companies that are not committed to addressing social inequities.Opportunities to address dissatisfaction:A win-win situationAddressing Latino consumers dissatisfaction could benefit both companies and consumers.Latino buyers would be willing to increase their consumption by up to 25 percent if products were more affordable,of a higher quality,and healthier;they expressed willingness to pay 28 percent more if the top reasons for dissatisfaction were addressed.Altogether,they would be willing to spend a total of$33 billion more per year across all categories if their needs were met (Exhibit 5).Even Latino consumers who are currently satisfied would be willing to pay more if product offerings were improved,with a total of$76 billion of revenue at stake.21 With$109 billion in current and potential spending at stake,companies that address dissatisfaction may benefit from additional market support.However,this is unlikely to be incremental,as much of this would be due to potential shifts in spending from one product or service to another.Exhibit 4Affordability and product quality are key drivers of dissatisfaction among Latinos.18%8%9%7%6%8%6%6%5%6%5%9%9%6%6%8%8%7%6%5%6%5%6%6%5%8%5%6%6%9%6%4%4%5%5%5 pp diferenceLatinoWhiteAfordability and product quality are key drivers of dissatisfaction among Latinos.Top reasons for Latino dissatisfaction across products and services,Each percentage is out of 100%,as question asks binary yes or no whether reason is tied to dissatisfaction.N/A if question was not asked regarding that category.Source:McKinsey consumer survey,August 2022(n=4,400)AfordabilityQualityVarietyLack of commitment to social inequitiesConvenienceNot produced/ofered/owned by racial/ethnic groupTrusthworthinessFood and beverages at homeFood and bev away from homeBeauty and personal careBankingHousehold and cleaning21Consumer survey,McKinsey,August 2022(n=4,400).19The economic state of Latinos in the US:Determined to thriveExhibit 5Latino consumers would be willing to spend$33 billion more if reasons for dissatisfaction were addressed Latino consumers would be willing to spend$33 billion more if reasons for dissatisfaction were addressedShare of Latino respondents expressing dissatisfaction with current oferings in category,7293224283027322625252528327.,85,13,83,72,62,01,31,10,60,60,60,50,4TBD33,11454334291721121084453TBD335Aggregate yearly spend for dissatisfed Latino households,$BAdditional WTP for better products Size of unmet demand,$billion1Average yearly spend per household from consumer expenditure survey,times 19.7M Latino consumer units,times share of households dissatisfed.2Expressed additional willigness to pay if reasons for dissatisfaction were adressed.Source:McKinsey consumer survey 2022(n=4,400)Hospitality and travelVehicle purchasesFood&beverages at homeFood&beverages away from home Apparel(incl.footwear)TelecomEntertainmentBeauty&personal care productsHousehold&cleaningConsumer electronicsEducationBanking&fnancial servicesTotalHealthcareHousingCategories with greatest dissatisfaction20The economic state of Latinos in the US:Determined to thriveLatino consumption patterns:Strategic spenders,socially aware,and social media savvyThere is also a$554 billion gap in Latino consumption based on the discrepancy between their total expenditure as a share of overall US spending and their share of populationand closing this gap would require improving Latino income levels.This is in addition to the$109 billion of spending at stake that arises from Latino consumer needs going unmet,discussed above.Understanding how Latinos consume,and how their behavior differs from non-Latinos,will allow society to close this gap and realize the benefits.Latinos tend to be careful and strategic spenders,and,despite having a lower average income than non-Latino Whites,are discerning consumers with a high level of attention for sustainability considerations when making a purchase.22 They are,overall,conservative and conscious spenders.Latinos spend a greater proportion of their income on essentials compared to their non-Latino White counterparts(40 percent compared to 33 percent).Survey data shows they tend to be more price-conscious than the general US population,feel more financial pressure,and actively look for savings and deals.23 Almost half of Latinos are actively looking for ways to save money,above the national average of 44 percent.They are also more willing to switch to less-expensive products to save costs(34 percent compared to 27 percent of all consumers),and more than a third of Latinos actively research the best promotions when seeking to make purchases(35 percent compared to 29 percent of all consumers).Moreover,this price-conscious behavior supports the finding that Latinos in lower-income households(representing the majority)tend to spend less per person than their non-Latino White counterparts.As a result,Latinos,like non-Latino Whites,are increasingly looking for ways to save money.They pay similar attention to prices when shopping compared to non-Latino Whites(47 percent compared to 45 percent).Latinos may be willing to spend more on products they care about,while finding cheaper alternatives for those they are less invested in.But Latinos may also be under more pressure to save money because of their larger average household size,which necessitates greater spending on essentials.Latinos are comfortable shopping online and are engaged consumers.They are more conscious of sustainability considerations and are more likely to factor in such considerations when making purchases than the general population.24 Social issues and organic products are particularly important to them compared to the general population(a 12 and 14 percentage point difference respectively).In total,82 percent of Latinos report that they use omnichannel(online and in-store)and e-commerce platforms,compared to 80 percent of the overall population.25 Social media can be a powerful influence on consumer behavior and its effects are more pronounced in Latinos than in the overall US population.Latinos of all age groups are more likely to be influenced by social media when making a purchase,with 68 percent of them reporting that they are nudged toward certain brands by social media posts compared to 47 percent overall among US consumers.26 Correspondingly,Latinos have a higher average level of social media engagement than non-Latinos across all major social media platforms.For instance,89 percent of Latinos use YouTube at least weekly,compared to 75 percent overall.2722Consumer survey,McKinsey,August 2022(n=4,400).23 Consumer sentiment survey,McKinsey,2021.24Consumer pulse survey:February 25 to March 1,2022,McKinsey,2022(n=2,160;sampled to match US general population 18 years).25 Ibid.26 Ibid.27 Ibid.21The economic state of Latinos in the US:Determined to thriveAcross the board,the categories that see the largest influence from social media are appearance related,such as fitness and wellness services,skin care and makeup,and accessories and jewelry.However,among Latinos,influence from social media in consumer electronics and home decoration is felt significantly more strongly than in the overall population,with a 24 and 19 percentage point difference,respectively,in the percentage of respondents who were influenced by social media in purchases in these categories.28Latino consumers are also much more likely to be influenced by brands and celebrities posts on social media,and documentaries,compared to non-Latinos.Half of Latino consumers said they were inspired to purchase by these sources,compared to a quarter of non-Latinos.29 Latino consumers are feeling the inflationary pinch The COVID-19 pandemic hit Latinos hard and inflation is compounding the impact.In response,almost 80 percent of Latinos are taking action to manage their expenses due to inflationary pressures,compared to two-thirds of non-Latino consumers.30 This may include reducing savings,increasing credit card balances,taking on more hours at work or a second job,and skipping bills or paying less than the minimum due.Latinos pre-existing price-conscious behavior has been exacerbated by high inflation.A fifth are planning to cut back on spending,compared to 14 percent of non-Latino Whites,while 82 percent are trading down across categories,compared to 74 percent of non-Latinos.31 This includes adjusting the quantity or pack sizes purchased,delaying purchases,switching to a cheaper brand,and taking on more debt by usingbuy-now,pay-laterservices(a strategy that is more prevalent among Latinos than the general population by 11 percentage points).Overall consumption is expected to fall across the board,with Latinos cutting back more than non-Latino Whites.Total consumption is predicted to drop by 7 percent among Latinos,compared to only 1 percent in non-Latino Whites.32 The fall in Latino spending could account for an aggregate loss of$80 billion,close to the expected effect of reduced consumption among non-Latino Whites,at$100 billionthis despite non-Latino Whites having six times the aggregate consumption of Latinos.Non-essential categories will be particularly hard hit,even after sustaining a drop in spending due to COVID-19.Although overall spending,which dipped in 2020,has now mainly returned to 2019 levels,essential goods account for a larger share than previously.Going forward,Latinos are predicted to reduce their spending at three times the rate of the general population for essential categories,and five times for non-essentials.33 They are likely to pull back on non-essential spending by 10 percent but will only drop spending by 3 percent for essentials.34 To reduce their spending,consumers across the board are responding to inflation by choosing private brands across categories.Overall,48 percent of customers who noticed inflation changed brands,and,of this,the switch was to private brands 38 percent of the time.Latinos reflect this general trend,with 47 percent switching brands and 36 percent switching to private brands.28 Ibid.29Future of food survey 2022,McKinsey,December 2021.30Consumer pulse survey:June 7 to October 7,2022,McKinsey,2022.31 Ibid.32Consumer survey,McKinsey,August 2022(n=4,400).33 Housing,food and beverages at home,and healthcare are considered to be essential products or services.34 Consumer survey,McKinsey,August 2022(n=4,400).22The economic state of Latinos in the US:Determined to thriveMore vulnerable cohorts are likely to be badly affected by inflation(Exhibit 6).Latinos with less acculturation,a low household income level,and those with little formal education are expected to reduce their consumption by around five percentage points more than the average for Latinos.First-generation Latino immigrants are also expected to be hard hit,reducing their consumption by an extra three percentage points.And gender is a significant factorwomen are likely to reduce their consumption by a further three percentage points.Exhibit 6Inflation will hit vulnerable Latinos particularly hardWhites,non-LatinoLatinos1pp reduction in consumption than average LatinoAverage expected change in Latino consumption due to InfationInfation will hit vulnerable Latinos particularly hard.Source:McKinsey consumer survey,August 2022(n=4,400)5 pp diference 10pp diference 26The economic state of Latinos in the US:Determined to thriveExhibit 2Price and poor value dissuade Latinos from purchasing in beauty and personal care.Price and poor value dissuade Latinos from purchasing in Beauty and Personal Top reasons for Latinos not purchasing products,ach percentage is out of 100%,as question asks binary yes or no whether reason is tied to dissatisfaction.Source:McKinsey consumer survey,August 2022(n=4,400)5%4%7%6ordabilityVarietyNot meeting need of racial/ethnic groupMany products/services are not high qualityConvenienceFeaturesDont support the environmentNot animal friendly23%7%7%2%5%9%5%3%4%1%4%1%7%4$%5%5%3%1%4%3%5%9%4%1%8%3%2%7%1%3%1%7%2%4%1%4%2%4%10%7%4%3%6%3%4%2%7%3%2%4%2%2%3%2%WhiteLatino5 pp diference 10pp diference Face skin careHair careMakeupFragrance27The economic state of Latinos in the US:Determined to thrive28The economic state of Latinos in the US:Determined to thrive3.Poised for success:Latinos at work,in business,and in wealth creationLatinos play a significant role in the US economy as workers,business owners,consumers,and savers or investors.However,they face many barriers to advancing,whether on an individual or business front,and would benefit from interventions to overcome these obstacles.The private sector can also play an important role as Latinos seek to reach their full potential.Latino workers:A key pillar in the US workforceOne in every five workers in the US is Latino,and the number is growing rapidly.They earn 12 percent of wages and represent 18 percent of the workforce,making Latino workers a key pillar in the US economy.Although the COVID-19 pandemic impacted them disproportionately and Latinos are feeling the effects of elevated US inflation acutely,Latinos workforce share could increase to 23 percent in 2030.36The Latino workforce has progressed over the past decade,increasing its share in higher-paying occupations by five percentage points.Yet Latinos still face steep barriers to mobility,including wage disparity,implicit biases,discrimination,and lack of additional training opportunitiesall of which hinder Latinos from reaching their full potential.And,compared to non-Latino Whites,Latinos are primarily concentrated in low-wage occupations and are paid less than non-Latino White workers within the same occupations.Overcoming these barriers could boost their annual income by more than$281 billion,enhancing their well-being and the health of the overall US economy.37Most are born in the USAand are of prime working ageThe majority of the Latino workforce was born in the US and over 60 percent are of Mexican origin.Altogether,43 percent of Latino workers are younger than 25 years old,compared to 32 percent of the overall US population,and 69 percent are between the prime working ages of 25 and 54,compared to 64 percent of overall.38 36 Current population survey,employment status of the Hispanic or Latino population,US Bureau of Labour Statistics. ,

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