...SAMPLE CHAPTERS 1-5 1 ASSESSMENT ON THE FINANCIAL SERVICES OF CAVITE METRO CREDIT COOPERATIVE IN IMUS CITY, CAVITE Rosanne Esmeralda Bordador A Research Paper submitted to the faculty members of the Department of Management, Cavite State University-Imus City, Cavite in partial fulfillment of the requirements for the degree of Bachelor of Science in Business Management. Prepared under the supervision of Dr. Jennypher N. Fenomeno. INTRODUCTION Informal types of cooperatives are as old as human history. Whenever people come together voluntarily to help one another by providing a group service, they actually had a simple form of cooperative. But the cooperative movement as we know it today had its beginnings in Europe during the modern times as a result of the Industrial Revolution. In several European countries, the first cooperatives were organized by workingman who were seeking to change the wretched conditions brought about by the new age of machine and factory production that began in England two hundred years ago, and soon after in other countries. In England, the weavers and the other workers in the textile industry were the hardest hit, and they were among the first to organize cooperatives for the purpose of improving their desperate economic and social conditions (San Gabriel, 2010). The International Co-operative Alliance mentioned that Cooperative is an autonomous association of persons united voluntarily to meet their common economic, social, and cultural...
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...ITALY COUNTRY PROFILE INTERNATIONAL RETAILING (INT 322) Contents Background Background Italy, officially the Italian republic is a Unitary Parliamentary Republic situated in South Central Europe. It borders other European giants such as France, Switzerland and Austria. The territory of Italy covers some 301,338 km2 (116,347 sq mi) and is influenced by a temperate seasonal climate. With 60.8 million inhabitants, it is the fifth most populous country in Europe, and the 23rd most populous in the world. Rome is the capital city of Italy, which has been the religious capital of the Western Civilization, as the Capital of the Roman Empire. In the late 19th century, through World War I, and to World War II, Italy possessed a colonial empire. Modern Italy is a democratic republic. It has been ranked as the world's 24th most-developed country and its has been ranked in the world's top ten in 2005. Italy enjoys a very high standard of living, and has a high GDP per capita. It is a founding member of what is now the European Union and part of the Euro zone. Italy is also a member of the G8, G20 and NATO. It has the world's third largest gold reserves, eighth largest nominal GDP, tenth highest GDP (PPP) and the sixth highest government budget in the world. It is also a member state of the Organisation for Economic Co-operation and Development, the World Trade Organization, the Council of Europe, the Western European Union and the United Nations. Italy has the world's ninth-largest...
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...Case Study of the NOVADECI Health Care Program By Rosa C. Mercado and Ramon A. Certeza Introduction This case study focuses on the role of the Novaliches Development Cooperative (NOVADECI) in providing health care and medical services to its members. NOVADECI is a cooperative initiated by market vendors in 1976 in a bustling urban community. It started its operations in the town of Novaliches and has since then widened its scope of operation to include the areas of Caloocan and Quezon City, two highly urbanized and populous cities in the Philippines. Quezon City is home to many government and private offices, shopping malls and public markets, schools and universities and sprawling residential areas for both the rich and the poor. NOVADECI had a very rocky beginning, borne out of desperation and necessity for a small group of market vendors who were struggling to keep their businesses afloat in the face of changing market conditions, lack of support from or access to government and banking institutions and perennial dependence on usurious money lenders. Over the years they have realized that their margins-of-profit were being eaten away by the high interest rates they have to pay on loans. In 1976, a tipping point came when the slaughterhouse on which they were getting their meat supplies was ordered closed by the city government due to poor sanitation. A small group of 15 market vendors decided to close ranks and put their heads together. They poured out...
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...1 Challenges We Face in FM by John Vinken, IFMA Toronto President Vinken’s Views - President’s Message Spring has sprung in Southern Ontario and my mind races onward with ideas that I want to implement both at work and home. And what a better way to explore these ideas and develop some structure around them, than by hiring a person that is motivated, energetic, and able to acquire current knowledge easily. Yeah I know you are asking “Where do I get in line for someone like that?” Well what I have just described is a co-op student. I have my usual 2 co-op students already reserved and they will be starting in 3 weeks time. And let me tell you my whiteboard is filling with initiatives and ideas for these two to deal with. And with two facility management related college programs in the area (at Humber College and at Conestoga Collage) there are co-op students looking for jobs in the facility management field. If you want the contact information use the membership CD just sent to you and on the opening page are the hyperlinks for both of these institutions. This is the third year that IFMA Toronto has produced the membership CD rather than published a membership roster. There are, of course, issues with this year’s CD as there have been with every membership roster created in history I believe. Some of the problems are related to getting updated information about member. As an example when people renew their membership and if it is tardy the membership listing we acquire...
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...what we’ve read about Vancity, it has been known for a reliable and sufficient credit union, thus which is why they are Canada’s largest Credit Union. The stakeholders of Vancity are the people who are being affected by being serviced. The Credit Union itself has been serving the most exceptional customer service from all angles, which has made them win many awards. Vancity portrays its values towards their stakeholders in various ways. First off with their impressive financial services, Vancity is capable of providing support its 500,00 members/ regarding to their home, work life issues. When it comes to treating their employees, they are very lenient on their personal and professional life.Where they allow them to work flexible hours so that it does not inhibit their working principles in all extents as well as by letting them multitasking by listening to music and working at the same time and having occasional events which allows them to differentiate themselves with their professional and personal lifestyles. They also value their employees by giving them dental/life insurance. coop opportanities in Italy and annual vacations and rewards such as retirement planning, low rates on personal financial assistance. Nevertheless, Vancity has incorporated reliable/suffiencient services. The more service, the more clients will be much valued. ...
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...integrity of academic process, and the continuous improvement of the college. The pursuit of COE Dept. vision and mission, serving the community through excellence in education, science, drives the COE Dept. to achieve competitiveness, national prominence and visible international presence. C. Options Award granted on completion of the program is B.Sc. Degree in Computer Engineering. The program has two options starting from the third year (Junior). Option-I is the Non-Coop Option and option-II is the Coop option. These two options give the students different opportunities to peruse their study. Option-I consolidates the students independent, creative thinking and implementation of ideas. While, option-II gives the students early practical experiences during his study to merge practical and theoretical parts in addition to enhancing their expectations for future. Option-I and Option-II are shown in Tables 0.1 and 0.2, respectively Table 0.1 Computer Engineering Curriculum Option I: Non-Coop Option COURSE TITLE LT LB CR COURSE TITLE LT LB CR Preparatory Year ENG 001 Prep. English I 15 5 8 ENG 002 Prep. English II 15 5 8 MATH 001 Prep. Math I 3 1 4 MATH 002 Prep. Math II 3 1 4 PYP 001 Prep. Physical Science 2 0 2 PYP 002 Prep. Computer Science 0 2 1 PYP 003 University Study Skills 0 2 1 ME 003 Prep. Eng. Technology 0 2 1 PE 001 Prep. Health and Physical Educ. I 0 2 1 PE 002 Prep. Health and Physical Educ. II 0 2 1 20...
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...Calgary Funeral Services Cooperative Business Plan DRAFT AUGUST 8, 2011 Contents 1.0 BACKGROUND INFORMATION 1 1.1 Executive Summary 1 1.2 Comparative Cooperative Model 2 1.3 Feasibility Study and Background Research 3 2.0 Business Description 5 2.1 Corporate Structure 5 2.2 Business Objectives 7 2.3 Market Assessment 7 2.4 Products & Services 8 2.5 Location 10 2.6 Human Resources 11 2.7 Regulatory Issues 12 3.0 MARKETING STRATEGY 13 3.1 Pricing Strategy 15 3.2 Customer Service 16 4.0 FINANCIAL PLAN 17 4.1 Capitalization Strategy 17 4.2 Sales & Income Projections 18 4.3 Critical Factors 19 1.0 BACKGROUND INFORMATION 1.1 Executive Summary The Calgary Cooperative Funeral Service seeks to create a cooperative enterprise to provide funeral services that are modestly priced and environmentally friendly within the Calgary market. Based on an initial membership the founding organizations - cooperatives in Calgary, Calgary Legions, Churches and individual Calgarians, with a combined member share/loan offering and bank loan for a combined total of $525,000, this business plan calls for the enterprise to reach positive cash flow toward the end of the 3rd year of operation. The business model seeks to establish funeral/crematoria services which is centrally located and would service the members of the founding organizations as well as the funeral needs...
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...Generally, the word “ethics” is originated from the ancient Greek word “ethos” that means a custom, success, nature, character, the manner of thought. ORIGIN OF ETHICS “Ethics are as important for the public servant as blood for the body” (Unknown in Van der Waldt & Helmbold, 1995:170). * PANELCO III, like individuals, is constantly changing through new leadership, environmental influences and socio-political development. PANELCO III cannot promote and enforce ethical behaviour solely through the utilisation of ethical codes of conduct or through the promulgation of a plethora of board of directors and the top management. Social mind sets are often still entangled in a micro-ethic paradigm. People tend to equate moral values and moral norms with values and norms, which apply only to personal relations structures within which they interact. PANELCO III needs an organisational culture that not only supports ethical behaviour, but sees that it also defines and underpins right and wrong conduct at an individual and institutional sphere. The origins of ethics have a meta-ethical basis. Several philosophers have argued that human beings are inherently ethical. Mencius (in Singer, 1994:28), asserts that human beings are naturally virtuous in that if people follow their nature, they will be able to do well. Rousseau contends that the origins of ethics are natural human sentiments. Pity is considered as a...
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...agriculture to more high-end business firms. Most people are well educated and are pretty successful. The unemployment rate has even dropped since the Immigration Law was put in place. Comparing India to the United States is fairly simple. India has been around for nearly ten thousand years, when the United States has just begun developing within the past five hundred years. Even with ten thousand years of development, India falls far behind the United States. Creations such as the automobile and the telephone revolutionized the American economy, while India’s economy still struggles to this day. This is evidenced by Balram when he stated, “The greatest thing to come out of this country in the ten thousand years of its history is the Rooster Coop.” (page 147). India’s economy consists of more agriculture than any other business. The United States is decreasing in agriculture more and more every year and increasing in services. Services in India are starting to cause economic growth like the United States, but not as rapidly. The old driver states, “I haven’t had work in forty years, you nitwit. How the fuck can I help you? Now get lost.” (page 49). In India, people still suffer from lack of...
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...Executive Summary The scope of this report is to study the insurance sector in Saudi Arabia and analyze current trends with the objective of ascertaining where the industry is placed amid intense competition, profitability and capitalization pressures. Remarkable growth for the insurance industry: Though relatively young, as indicated by the low penetration and density, the insurance market grew 18% per annum over 2008–12 and was the second largest market in GCC. It contributed 33.5% to the region’s total Gross Written Premiums (GWP) in 2012. Several growth drivers are in place for the insurance industry. Highly fragmented industry, intensifying competition: The sector comprises nine segments, with health and motor accounting for over three-quarters of total GWP. The industry is highly fragmented; of the 33 insurance companies, the top three contributed 52.7% to the total GWP and 87.5% to the industry’s profits in 2012. High concentration is fueling competition in the sector. Company analysis: We analyzed insurance companies’ financial performance by classifying 30 firms into three categories based on their equity capitalization (shareholders’ equity). The first set of 11 companies with capitalization over SAR200 mn accounted for a market share of 70% in 2012. The second set of 12 companies with capitalization between SAR 100 mn and SAR 200 mn reported an improvement in financial strength in 2012, and a few exhibited the potential to gain market share and scale. The third group...
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...savings, wise use of credit and membership participation in the affairs of the credit coop. Unlike a bank, PHCCI serves only its members who share its profits. A bank, on the other hand, is owned by its stockholders who benefit from whatever profits the bank makes. Poverty - and - the extreme desire to improve the quality of life of common man were the compelling reasons for the Redemptorist Father to make the initial steps to establish a cooperative within the Redemptorist Parish. So, on February 16, 1969 with 33 incorporators and an initial share capital of P1,201.94 PHCCI was born. Since then, PHCCI has gone a long way in terms of bigness and financial soundness. From its inception to the present, its membership has increased many times over. Our Mission To maximize the utilization of the members’ resources through quality and timely service delivery embodying the ideals of cooperativism Our Vision A Leader in changing lives and bridging communities through cooperativism Our Objectives * To provide members with excellent services that are responsive to their needs * To ensure a feeling of security of members’ investments through transparency and good governance * To achieve and sustain the cooperative financial standards * To make PHCCI a happy and rewarding workplace * To capture a greater market share in the cooperative business landscape Values Integerit Loyalty Optimism Veracity Efficiency ...
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...Scaling Inclusive Business Models leveraging a partnership ecosystem at the nexus of poverty and environment Scaling Inclusive Business Models leveraging a partnership ecosystem at the nexus of poverty and environment Markus Dietrich,Director, ASEI Sahba Sobhani, Programme Advisor Private Sector BPPS, UNDPASEI Project Team: Mary Grace Santos, Lead Consultant Lorenzo Cordova, Jr., Environmental Impact Specialist Marcos Perez, Jr. Social Impact Specialist Markus Dietrich,Director, ASEI Sahba Sobhani, Programme Advisor Private Sector BPPS, UNDPASEI Project Team: Mary Grace Santos, Lead Consultant Lorenzo Cordova, Jr., Environmental Impact Specialist Marcos Perez, Jr. Social Impact Specialist Contract No. BPPS/2014/IC/0012 Project Name: Scaling Inclusive Business Models leveraging a partnership ecosystem at the nexus of poverty and environment 1st phase Report Developing an inclusive and green eco-system framework 2nd phase Report Initial case studies and eco-system in the Philippines 3rd phase Report Final Draft Authors Markus Dietrich, Director, ASEI Sahba Sobhani - Programme Advisor Private Sector BPPS, UNDP ASEI Project Team: Mary Grace Santos, Lead Consultant Lorenzo Cordova, Jr., Environmental Impact Specialist Marcos Perez, Jr. Social Impact Specialist Version 1: 21 March 2015 Version 2: 13 April 2015 Version 3: 02 June 2015 Version 4: 30 July 2015 Version 5: 25 August 2015 Content 1 Introduction to inclusive and...
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...Student Research This report is published for educational purposes only by students competing in the CFA Institute Research Challenge. Food and Beverages ORIOR GROUP Recommendation: ● BUY Price Target: ● CHF55.31 Ticker: ● ORON Price: ● CHF46.5 (01 Dec 11) Year EPS (CHF) P/E ratio 2010 4.55 10.2 2011E 3.53 13.2 2012E 3.71 12.5 Source: Company data and self estimated Highlights • Buy recommendation with a target price of CHF 55.3, offering a 19% upside from current stock price as of 1st December 2011. EBIT margin is expected to remain 7% during five year forecasting horizon owing to the continuous improvement of EBIT margin in the convenience segment. Moreover, further efficiency gains in term of technology and productivity will support margin expansion. • Temporary drop in sales followed by gradual recovery: under both impact of recession and the loss of one client, we forecast a slight decrease in sales of -0.74% in 2011 based on half year result of 2011. Afterwards, there will be a gradual increase of 2% annually starting from 2012, which is in line with estimated economic recovery and sales contribution from two acquired companies named Keller SA and Bernatur in 2011. • Convenience is a key segment: the Group’s EBITDA target of 10% is completely achieved by soon capturing the increasing trend of convenience segment (“ready meal”, “food services” and “vegetarian food”), which is expected to grow by 4.4% until 2014 (Figure 7). Moreover, we anticipate a gain from...
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...BUSINESS and MANAGEMENT | | ASSIGNMENT FRONT SHEET Student Name: MOHAMED AHMED | Certification: I certify that the whole of this work is the result of my individual effort and that all quotations from books, periodicals etc. have been acknowledged. | Student Signature: MOHAMED AHMED | Date:18/02/2016 | Student Registration Number:S15000405 | Student email address :AHMED_06081981@OUTLOOK.COM | Programme : Business | Year/Level : 4 | Academic Year : 2015/2016 | Semester : 2 | Module title : Marketing Essentials | Assignment no. : 1 | Module code: BUS434 | | Percentage Weighting of this assignment for the module: 40% | Issue date : w/c 18/01/2015 | Return date : 21st March 2016 | Lecturer : Claire Blanchard Date of submission 29th February 2016 | Second marker : Tracy Powell | Notes for students : 1. Staple a hard copy of assignment in the top left corner and submit to the Undergraduate Office. 2. Electronic copy of assignment should be submitted through the Turnitin software. 3. 5% of marks are awarded for satisfactory use of language and/or good presentation. 4. 5% of marks are awarded for satisfactory referencing and/or presentation of a bibliography where either is required. Note that all referenced work should be obtained from credible sources using Harvard referencing 5. Students should ensure that they...
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...Braving It and Making It Insights from Successful Investors in Muslim Mindanao by Cielito F. Habito BRAVING IT AND MAKING IT Insights From Successful Investors in Muslim Mindanao By Cielito F. Habito Copyright 2012 by Cielito F. Habito. All rights reserved. No part of this book may be reproduced or utilized in any form or by any means, electronic or mechanical, including photocopying, recording, or by any information and retrieval system, without permission from the publishers. Inquiries should be addressed to the author, c/o Department of Economics, 4F Leong Hall, Ateneo de Manila University, Loyola Heights, Quezon City, 1108 . This publication was made possible through the support of AusAID. The opinions expressed herein are those of the author and do not necessarily reflect the views of AusAID. BRAVING IT and MAKING IT Insights from Successful Investors in Muslim Mindanao by Cielito F. Habito A joint publication of: ARMM Regional Board of Investments ARMM Business Council Management Association of the Philippines Through the support of the Australian Agency for International Development Edited by Ma. Salve I. Duplito Table Of Contents Chapter 1 Chapter 2 Chapter 3 Chapter 4 Chapter 5 Chapter 6 Chapter 7 iv La Frutera: Reaping The Fruit Case Study of La Frutera Inc., Datu Paglas, Maguindanao Background 3 The Company 5 Peculiar Challenges and “Success Secrets” 6 Synthesis 10 References 12 Agumil: The Promise of Palm Oil Case Study of Agumil...
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