...Sustainability of Microfinance Self Help Groups in India: Would Federating Help? Ajai Nair, Graduate Student Woodrow Wilson School of Public and International Affairs Princeton University Abstract Self Help Group (SHG) banking is the primary mode of microfinance in India today, reaching over six million families. In spite of its considerable outreach, successful savings mobilization and high repayment rates, as with most other microfinance models, the financial viability of SHG banking has not been clear. SHG federations attempt to provide financial viability and sustainability to SHG banking. This study explores the merits of federating and finds that SHG federations create economies of scale, reduce promotional and transaction costs, enable provision of value added services and increase empowerment of the poor. Acknowledgements This study was done for the South Asia Region Finance and Private Sector Development Unit of the World Bank. The support of Sophie Sirtaine at the World Bank, who helped design the study and took time to read through the different drafts, is gratefully acknowledged. I thank all the organizations visited and individuals interviewed for their cooperation, and participants of the various fora at which the initial drafts were presented for their valuable comments. I also thank Marilou, Director, South Asia Region Finance and Private Sector Development Unit and other members of the unit for...
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...quo or seek new opportunities? 2) Should Scope reposition its current product or develop a new product? 3) Should Scope launch a flanker brand or introduce a line extension? These decisions must be made in this order. Scope must first decide if it actually needs or wants to move forward with seeking new opportunities. If Scope wants to maintain the status quo, then no effort needs to be wasted in researching possible opportunities. If Scope decides to move forward it first must decide whether to reposition its current product or develop a new product, and if it develops a new product the question becomes whether to introduce a line extension or launch a flanker product. Situational Analysis Strengths, Weaknesses, and Key Competencies Scope’s...
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...Sectors…Corporation Overview 1 Corporate Strategy, Culture, Environment 2 “Most Admired”…A UTC Legacy 2 Chapter 2…Pratt & Whitney Organization 3 Strategic Planning Process 3 Road Maps 4 Transformation 5 “The Great Engine War” 6 Leaness 7 ACE 8 Competition…Lessons Learned? 10 Chapter 3…Maintaining the Edge Leadership Challenge…Transforming Culture 14 Growth…The Key to the Future 14 “Re-inventing the Business” 15 Enterprise Resource Planning Initiative 16 Strategic Approach to Managing Human Resources 19 Employee Services 20 Chapter 4…For DoD Lean Thinking in DoD 22 Achieving Competitive Excellence in DoD 22 Outsourcing…”Keeping Our Core Competencies in House 23 Employee Education 23 Life After the Military Service…Improving the Odds 25 Adages of Human Resources 25 Bibliography 26 INTRODUCTION Assignment Overview I was assigned as a Secretary of Defense Corporate Fellow to Pratt & Whitney Corporation, one of the six principal Sectors of United Technologies Corporation (UTC). My initial assignment with Pratt was to the F135 Joint Strike Fighter (JSF) Engine Program at the Military Engines Division in East Hartford, Connecticut. Within the JSF Program I served on the Integrated Program Management Team (IPMT) and participated in a number of Engineering & Manufacturing Development (EMD) Readiness and System Development & Demonstration (SDD) initiatives...
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...Independent Study Training Need Analysis of Habib Bank Ltd. Islamabad Region. Conducted By: Ismatullah Butt MS (MS) Student Reg. No. 04-2114 Supervised By: Mr. Imran Qamar Faculty Member SZABIST-Islamabad. Purpose of Study: The changed work environment in banking due to a number of economic, political, technological, legal, cultural and global factors has necessitated assessment of the training needs of HBL employees, especially the branch managers. This is necessary to equip them with the needed competencies to face the challenges of the time successfully. Further, the investments committed to the training function can only be justified if they add value to the performance of the people undergone through the training programs. Likewise the Training Need Analysis (TNA) enables the trainer to design the needed training programs for the relevant employees. Conducting Training Need Analysis (TNA) is a continuous phenomenon as such business managers and trainers need to pay proper attention to keep the organization buoyant for all times to come. Methodology: ▪ A well structured questionnaire was used to collect primary data. The respondents included: ...
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...EXECUTIVE SUMMARY The real estate industry consists of a collection of industrial and services sectors of the economy such as construction, brokerage services, mortgage banking, property management and even architecture and design. The real estate industry deemed ...
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...Opening a Quality Child Care Center A resource guide for starting a business and planning a child care center. Table of Contents: Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 First Steps: Assessment, Market Analysis, Business Plan and Child Care Licensing . . . . . . . . . . . . . . . . . . . . . . . . . 3 Finding Your Facility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 Design Considerations and Process . . . . . . . . . . . . . . . . . 8 Program Administration and Curriculum . . . . . . . . . . 17 Appendix A: Timeline for Start-up . . . . . . . . . . . . . . . . . . . . . . . . . 19 Appendix B: Agencies and On-line Resources . . . . . . . . . . . . . . . . 20 Appendix C: Resources for Developing Polices/Procedures . . . . . 22 Appendix D: Classroom Equipment and Materials List . . . . . . . . 23 Appendix E: Care About Childcare Criteria . . . . . . . . . . . . . . . . . . . 24 Appendix F: Structural Rules from Licensing . . . . . . . . . . . . . . . . .27 Appendix G: Accreditation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30 Appendix H: Resources . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31 State of Utah, Department of Workforce Services, Office of Child Care © 2012 Opening a Quality Child Care Center Introduction THE BUSINESS OF CHILD CARE Welcome to the world and work of child care! The purpose of this manual is to provide a prospective child care center...
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...THE RELATIONSHIP OF OPEN HIGH SCHOOL PROGRAM TO PERFORMANCE OF PRIVATE AND PUBLIC SECONDARY SCHOOLS IN THE DIVISION OF QUEZON A Dissertation Proposal Presented to The Faculty of the Graduate School Polytechnic University of the Philippines Sta. Mesa, Manila In Partial Fulfillment of the Requirements for the Course RSH 710 - Seminar in Dissertation Writing 2 By Mark Anthony R. Malonzo May 2015 CHAPTER 1 THE PROBLEM AND ITS BACKGROUND Introduction The global education agendum is EDUCATION FOR ALL. In the Philippines, it has been a struggle from the time when formal education was first introduced. The 3 major concerns always revolve around the three issues of ACCESS, QUALITY AND EQUITY. Asking how these three are addressed by the Government is a never-ending endeavor for all the education service-providers and stakeholders. One of the major socio-economic and political milestones in the history of Philippine Educational System is the advent of ASEAN Integration 2015. As brought about by this Economic Integration, the enhancements that the educational system in the country has been undergoing, primarily aim to refine quality, improve access and maintain equity in education. Still, the major concerns that the education sector faces is the low participation rate and increasing dropout rate specifically in the secondary level of education. The data also support that there is 46,404 ES and 12,878 HS ratio...
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...College Credit Through Advanced Standing Produced by the Office of Academic Services This manual is accurate as of the date of publication. As new information becomes available, it will be posted to the online version, available through the Academic Services web site, www.nvcc.edu/aboutnova/directories--offices/administrative-offices/academic/index.html. Revised June 2012 Table of Contents INTRODUCTION ........................................................................................................... 3 PURPOSE .................................................................................................................................3 TYPES OF ADVANCED STANDING ...................................................................................................3 GENERAL PROCEDURES ...............................................................................................................4 EVALUATION RESPONSIBILITIES .....................................................................................................5 SECTION 1—CREDITS FROM POST-SECONDARY INSTITUTIONS ........................................ 7 GENERAL CONDITIONS ................................................................................................................7 GENERAL EDUCATION TRANSFER CREDIT FOR STUDENTS WITH PREVIOUS DEGREES ..................................9 EVALUATION OF INTERNATIONAL TRANSCRIPTS .....................................................................
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... Submitted By: Soumya Prakash Pani Roll No. B/10/01 Reg. No.1006281028 MBA 2010-12 External Guide: Internal Guide: Mr. Pratim Chatterjee Mr. Biswarup Singh Territory Sales Officer Sc Lect. Marketing HUL( Pure it ) IPSAR INSTITUTE OF PROFESSIONAL STUDIES & RESEARCH CDA SECTOR-6 , CUTTACK-753014,ORISSA DECLARATION I, Soumya Prakash Pani, a student of MBA (2010-12) studying at IPSAR (Institute of Professional Studies & Research), Cuttack, solemnly declare that the project work titled- ‘ Study of customers satisfaction towards “Pure it” (HUL)’ was carried out by me at Hindustan Unilever Limited; Cuttack, in partial fulfillment of the MBA programme. This programme was undertaken as a part of academic curriculum according to the University Date : Soumya Prakash Pani Place MBA ...
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... Submitted By: Soumya Prakash Pani Roll No. B/10/01 Reg. No.1006281028 MBA 2010-12 External Guide: Internal Guide: Mr. Pratim Chatterjee Mr. Biswarup Singh Territory Sales Officer Sc Lect. Marketing HUL( Pure it ) IPSAR INSTITUTE OF PROFESSIONAL STUDIES & RESEARCH CDA SECTOR-6 , CUTTACK-753014,ORISSA DECLARATION I, Soumya Prakash Pani, a student of MBA (2010-12) studying at IPSAR (Institute of Professional Studies & Research), Cuttack, solemnly declare that the project work titled- ‘ Study of customers satisfaction towards “Pure it” (HUL)’ was carried out by me at Hindustan Unilever Limited; Cuttack, in partial fulfillment of the MBA programme. This programme was undertaken as a part of academic curriculum according to the University Date : Soumya Prakash Pani Place MBA ...
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...publication of the first Sustainability Report of Trust Bank Limited (TBL) represents its continued commitment to publish information on sustainability matters every year. The Sustainability Report consists of only the GRI technical section to meet the requirements of the Global Reporting Initiative. The scope of the information provided in this report basically covers the activities of Trust Bank Limited in Bangladesh. This report was prepared to make adherence to an application level of the Global Reporting Initiative and is unconfirmed by external assurances. For more information about sustainability at Trust Bank Limited please go to www.trustbanklimited.com. 01. STRATEGY AND ANALYSIS 1.1 CHAIRMAN’S STATEMENT Please see the statement from the Chairman of Trust Bank Limited’s Board of Directors published at the beginning of the Annual Report 2011. 1.2 KEY IMPACTS, RISKS AND OPPORTUNITIES The impacts of the activity of Trust Bank Limited come essentially from three factors: Its importance as a reference institution in the Bangladesh financial sector; Its position as a substantial participant in the Bangladesh market; The importance of the financial sector to balanced economic growth and the contribution that this growth can make to incorporating sustainability more in the economy in general. Therefore, considering the specificity of the financial business, there are a number of positive caused by TBL’s activity...
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...reviewed, changed and updated. Consequently, this document cannot be considered binding. Students are responsible for keeping informed of official policies and meeting all relevant requirements. When required changes to the Catalog occur, they will be communicated through catalog inserts and other means until a revised edition of the Catalog is published. The policies in this Catalog have been approved under the authority of the ECPI University Board of Trustees and, therefore, constitute official University policy. Students should become familiar with the policies in this Catalog. These policies outline both student rights and student responsibilities. The University reserves the right and authority at any time to alter any or all of the statements contained herein, to modify the requirements for admission and graduation, to change or discontinue programs of study, to amend any regulation or policy affecting the student body, to increase tuition and fees, to deny admission, to revoke an offer of admission and to dismiss from the University any student at any time, if it is deemed by the University to be in the best interest of the University, the University community, or the student to do so. The provisions of this publication are subject to change without notice and nothing in this publication may be considered as setting forth terms of a contract between a student or a prospective...
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...4. 4.1 Big Data Introduction In 2004, Wal-Mart claimed to have the largest data warehouse with 500 terabytes storage (equivalent to 50 printed collections of the US Library of Congress). In 2009, eBay storage amounted to eight petabytes (think of 104 years of HD-TV video). Two years later, the Yahoo warehouse totalled 170 petabytes1 (8.5 times of all hard disk drives created in 1995)2. Since the rise of digitisation, enterprises from various verticals have amassed burgeoning amounts of digital data, capturing trillions of bytes of information about their customers, suppliers and operations. Data volume is also growing exponentially due to the explosion of machine-generated data (data records, web-log files, sensor data) and from growing human engagement within the social networks. The growth of data will never stop. According to the 2011 IDC Digital Universe Study, 130 exabytes of data were created and stored in 2005. The amount grew to 1,227 exabytes in 2010 and is projected to grow at 45.2% to 7,910 exabytes in 2015.3 The growth of data constitutes the “Big Data” phenomenon – a technological phenomenon brought about by the rapid rate of data growth and parallel advancements in technology that have given rise to an ecosystem of software and hardware products that are enabling users to analyse this data to produce new and more granular levels of insight. Figure 1: A decade of Digital Universe Growth: Storage in Exabytes Error! Reference source not found.3 1 ...
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...changed and updated. Consequently, this document cannot be considered binding. Students are responsible for keeping informed of official policies and meeting all relevant requirements. When required changes to the Catalog occur, they will be communicated through catalog inserts and other means until a revised edition of the Catalog is published. The policies in this Catalog have been approved under the authority of the ECPI University Board of Trustees and, therefore, constitute official University policy. Students should become familiar with the policies in this Catalog. These policies outline both student rights and student responsibilities. The University reserves the right and authority at any time to alter any or all of the statements contained herein, to modify the requirements for admission and graduation, to change or discontinue programs of study, to amend any regulation or policy affecting the student body, to increase tuition and fees, to deny admission, to revoke an offer of admission and to dismiss from the University any student at any time, if it is deemed by the University to be in the best interest of the University, the University community, or the student to do so. The provisions of this publication are subject to change without notice and nothing in this publication may be considered as setting forth terms of a contract between a student or a prospective student and ECPI University....
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...CGACourse Schedule Course Modules Review and Practice Exam Preparation Resources Module 1: Benefits to shareholders Overview This module deals with the tax implications for resident and non-resident shareholders of removing funds from the corporation other than in the form of salary or dividends. It covers the taxation of shareholder benefits and loans and of deemed dividends arising from a number of transactions affecting a corporation’s share capital, such as the redemption, purchase, or cancellation of shares by the corporation. The module also discusses ethical problems related to tax planning and gives a few practical tips on writing a tax opinion. At the end of this module, you should be able to evaluate the tax implications of proposed and completed transactions and design and advise on tax planning when shareholder benefits, loans, and deemed dividends are involved. You should also be able to prepare a specific purpose report using clear, communicative, and professional language, and apply a high level of professional judgment and ethical standards. Notes Unless otherwise indicated, for purposes of this module, a corporation means a taxable corporation [subsection 89(1)] resident in Canada and a shareholder [subsection 248(1)] refers to a person resident in Canada, whether an individual or a corporation. Review Before starting this module, you should review the following concepts: taxation of salary and dividends: sections 5 to 8, paragraph 12(1)(j)...
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