The ĠEMMA March 2025 Newsletter is now online!
The March edition of the Ġemma newsletter is now online. We encourage you to click on the image below to read the latest edition.
The March edition of the Ġemma newsletter is now online. We encourage you to click on the image below to read the latest edition.
This session provided an in-depth look at effective business management for small and medium enterprises (SMEs), focusing on cash flow management and business planning. Participants explored key financial concepts, including understanding, and forecasting cash flow, managing trade receivables and payables, optimising inventory levels, and building financial resilience. Through practical examples and case studies, the session…
The first presenter, Mr. Noel Agius, explains the two schemes under the Social Security Act: contributory benefits (requiring social security contributions) and non-contributory benefits (means-tested). He details who needs to pay contributions (employed, self-occupied, and certain self-employed persons), how contributions are paid, and exemptions. He also discusses lower rates (pro-rata contributions) and contribution credits which…
This webinar provides a comprehensive introduction to VAT compliance in Malta, specifically tailored for sole traders and self-employed individuals. Presented by Dustan Farrugia, Senior Manager at the Malta Tax and Customs Administration, it covers the essentials of VAT, including registration, rates, exemptions, and record-keeping requirements. Farrugia demystifies complex topics like the different VAT schemes available,…
Are you a teacher passionate about equipping your students with essential life skills? Do you believe in the power of financial literacy to shape a more secure future? Then we at GEMMA want to connect with you! GEMMA, an organization within the Office of the Permanent Secretary in the Ministry for Social Justice and Solidarity,…
The November edition of the Ġemma newsletter is now online. We encourage you to click on the image below to read the latest edition.
The July edition of the Ġemma newsletter is now online. We encourage you to click on the image below to read the latest edition.
This national research study carried out with Maltese residents aged between 18-79 years, formed part of an international study of adult financial literacy, led by OECD’s International Network on Financial Education (INFE) arm amongst 37 countries in 2023. Malta participated in the 2018 and 2023 OECD/INFE international surveys of adult financial literacy. In this Report,…
The March edition of the Ġemma newsletter is now online. We encourage you to click on the image below to read the latest edition.
Malta through ĠEMMA has participated in the the Organisation for Economic Cooperation and Development OECD/Internation Network for Financial Education (INFE) international research for measuring financial literacy and financial inclusion with research carried out by market research agency, M.FSADNI & Associates. Wednesday 6th March saw the launch of the outcomes of the OECD adult financial literacy…