...www.hbr.org As a market, women represent a bigger opportunity than China and India combined. So why are companies doing such a poor job of serving them? The Female Economy by Michael J. Silverstein and Kate Sayre Included with this full-text Harvard Business Review article: 1 Article Summary The Idea in Brief—the core idea 2 The Female Economy Reprint R0909D The Female Economy The Idea in Brief • Women represent the largest market opportunity in the world. • But despite women’s dominant buying power, many companies continue to market mostly to men and fail to explore how they might meet women’s needs. • Companies that can offer tailored products and services—going beyond “make it pink”—will be positioned to win when the economy begins to recover. COPYRIGHT © 2009 HARVARD BUSINESS SCHOOL PUBLISHING CORPORATION. ALL RIGHTS RESERVED. page 1 As a market, women represent a bigger opportunity than China and India combined. So why are companies doing such a poor job of serving them? The Female Economy by Michael J. Silverstein and Kate Sayre COPYRIGHT © 2009 HARVARD BUSINESS SCHOOL PUBLISHING CORPORATION. ALL RIGHTS RESERVED. Women now drive the world economy. Globally, they control about $20 trillion in annual consumer spending, and that figure could climb as high as $28 trillion in the next five years. Their $13 trillion in total yearly earnings could reach $18 trillion in the same period. In aggregate, women represent a growth market bigger...
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...After floods, mudslides and powerful winds, victims of typhoon “Pablo” must now endure longer term suffering from the loss of their livelihood sources. The super typhoon devastated at least 14,000 hectares of farms planted mostly to bananas, the major export crop of Compostela Valley. Export of thousands of tons of Cavendish bananas to the United States has been suspended because of the crop loss. The destruction comes on the heels of a ban imposed by China earlier this year on Philippine banana exports, ostensibly due to insect infestation. Authorities said nearly 60,000 workers are affected by the destruction of the plantations. A loan facility of P2.1 billion has been made available to banana growers by the Land Bank of the Philippines, but it will still take 10 months to rehabilitate the banana industry in the typhoon-hit areas. That’s the most optimistic estimate and will need nature’s cooperation – not a reassuring thought in this age of climate change. The government will have to do more to assist those thousands of plantation workers and their families who will have no source of livelihood for nearly a year. The typhoon also reportedly destroyed farms planted to coconut, corn and rice, although the palay harvest for the fourth quarter was mostly over when Pablo struck. Those images of children begging in the streets give an indication of the economic disaster now faced by people in the typhoon-affected areas. If relief aid cannot be sustained and new sources of livelihood...
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...manufacturing operations. Recently the shift to lower-wage global markets, called offshore outsourcing is causing a major issue in the US" (p. 81). The result of offshore outsourcing has been primarily negative. Negative because of the loss of jobs and the inability to guarantee the quality of products and services from other countries such as China and India. A bigger concern is looming. Offshore outsourcing is considered a first level type of outsourcing. A more ominous, second level of outsourcing is that of increased skilled technology and highly educated product and service providers. These better educated sources of workers are primed to benefit from this country and other countries where outsourcing has a negative effect on the local econonmy. Manufacturing has been affected with the first level of outsourcing but other essential segments of our country, economy and community are a stake for the second wave of outsourcing. Segments like intellectual property, health care services, and engineering and architureal services. Do we really want that type and level of service to be outsourced? I think not. The way to slow this wave of outsourcing and safe guard our place in the global stage is to make education a priority. We need to create the mathematicians, architures, doctors, engineers and the like of the future. If we do not some other country will. Many signs have been presented to us in recent years like the devaluation of our credit standing, the recession of 2008 and the...
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...Globalization What is globalization on our economy? Economic globalization is the increasing economic integration and interdependence of national, regional and local economies across the world through an intensification of cross-border movement of goods, services, technologies and capital. Our econonmy has an increasing rate of which it is using overseas worker to replace local jobs for American workers. The economy is changing fast. What has opened up the market to the globalization idea? Companies realize that they can find goods, services, technologies and capital at a much better value. As a comparison, an engineer in the United States, with a bachelor’s degree with a salary of $60,000 a year can be replaced by an engineer in India, with a master’s degree in engineering and happily accept a salary of $15,000 a year to do the same job. Sense the use of the internet and fibrotic phone service lines came out in the early 1990’s, the ability of communicating with the rest of the world became much more available. The first web browser that became popular with globalization was Netscape. In the early 1990’s, the big (.com) companies layed fibrotic cables across the world. These cables are still used today and have plenty of room for advancement and capacity. With the new technology using the internet, companies and users can exchange currency across the world securely with the company PayPal. I use PayPal regularly with my eBay store. I have sold many items across the world...
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...Federal Reserve Marian Holmes ECO/372 March 12, 2013 Robert D'Alessio Federal Reserve The Federal Reserve is an independent central bank, and it is the third central banking system in the United States’ history. The first banking system was The First Bank of the United States and the second banking system was the Second Bank of the United States. The Federal Reserve is unique in many ways, controlling, and over-seeing currency in the United States. To receive a better overstanding of the Federal Reserve System and how it works, the following questions will be topics of discussion: * What are the factors that would influence the Federal Reserve in adjusting the discount rate? * How does the discount rate affect the decisions of banks in setting their specific interest rates? * How does monetary policy aim to avoid inflation? * How does monetary policy control the money supply? * How does a stimulus program (through the money multiplier) affect the money supply? Currently, what indictors are evident that there is too much or too little money within the economy? How is monetary policy aiming to adjust this? The Discount Rate is the interest rate that the Federal Reserve Banks charge depository institutions on overnight loans. Factors that would influence the Federal Reserve in adjusting the discount rate are an increase or decrease in money supply, or if they foresee the economy heading to a recession or inflation. Banks decisions are affected by...
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...we come across with all types of challenges on our daily Furthermore, when group of knowledge from several groups In a well-written essay of 3 to 5 pages, discuss the relationship between organizational learning and organizational knowledge and the affect of knowledge management on organizational learning and organizational knowledge. Be sure to draw on the articles to support your argument or to argue against points made in the articles. You can also draw on any additional material that you find in the readings in the Background Materials section. (Be sure to reference that material if you use it.) Lead off your essay with one or two of the quotes from the knowledge quotes/wisdom quotes that you think best illustrate the core of the argument in your essay. At some point in the essay, explain why you chose the quote or quotes that you chose. (Note that most of the quotes implicitly refer to the knowledge of a single human being but many of them can be extended to apply to organizations.) ---- Oppapers.com ----- The relationship between organizational learning and organizational knowledge and the affect knowledge management has on both is at once undeveloped and immature-in its basis and orientation to organizations-as it is in another instance burgeoning and unknown. Carl Sagan the great physicist and astronomer was accustomed to saying about the universe as comprising “Billions and billions, and billions of stars”; well as much may be said of the field of knowledge...
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...EFN405 EFN405 Australia’s Declining Productivity Nicholas Woods n9496220Tutor: Ambroise Descamps Australia’s Declining Productivity Nicholas Woods n9496220Tutor: Ambroise Descamps 08 Fall 08 Fall Table of Contents 1.0 Introduction 3 2.0 Australia’s Economic Performance 3 2.1 2001-2007 Economic Performance 4 2.2 2008-2012 Performance 4 2.3 Relationship Between Economic Growth and Productivity Growth 5 3.0 Policies Used to Address Lagging Productivity Growth 7 3.1 Infrastructure 7 3.2 Regulation Reform 8 3.3 Policy Effectiveness 9 4.0 Conclusion 10 5.0 Reference List 11 1.0 Introduction Driven by its dependence on natural resources, Australia’s economy has performed well in the aftermath of the 2007-08 Global Financial Crisis. The relative ease at how Australia has fared post crisis has disguised a worrying trend, a lagging productivity growth. Commissioned by the House of Representatives Economics Committee this report will cover Australia’s productivity performance between 2008 and 2014, gaining a greater understanding of the factors behind Australia’s declining productivity performance. This report will cover productivity growth before and after the GFC, critical analysis of policies aimed at addressing lagging productivity and the effect of these policies on the recovery from the GFC. ‘Productivity is a measure of how efficiently an economy is operating…Australia’s future productivity performance will affect its rate of recovery from...
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...Chapter 3 Mini Case (pages 118 -120) A. Ratios allow you to compare a firm’s performance with that of other firms in the same industry and evaluate trends in the firm’s financial position over time. Ratios are used by managers to identify situations needing attention; potential lenders use them to determine whether a company is creditworthy; and stockholders use ratios to help predict future earnings, dividends, and free cash flow. B. Current ratio = ($2,680,112 / $1,039,800) = 2.58 Quick ratio = (($2,680,112 - $1,716,480)/$1,039,800) = 0.93 The company’s current and quick ratios decreased from 2009 to 2010 but the largest in 2011. The current and quick ratios for 2011 are below the industry average. I believe each type of analyst has interest in these liquidity ratios but each have a different reasoning for each of them. C. Inventory Turnover = ($7,035,600 / $1,716,480) = 4.10 DSO = (($878,000 / ($7,035,600/365)) = 45.55 Fixed assets turnover = ($7,035,600 / $836,840) = 8.41 Total assets turnover = ($7,035,600 / $3,516,952) = 2.0 The company’s inventory turnover has declined each year and is below the industry average. The company’s DSO has been steadily increasing over the years and is above the industry average. The company’s fixed assets turnover decreased from 2009 to 2010 but increased from 2010. The fixed assets turnover is also above the industry average. Lastly, the total assets turnover decreased from 2009 to 2010 but stayed the same from 2010...
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...A STUDY ON PROGRESSIVE INCOME TAX A CASE STUDY OF US & BRAZIL ________________________________________ INSTRUCTOR: DALIA EL-EDEL ECON 310-02 TERM PAPER - BY: JIHAD MASHAMOUN 900-08-2910 LARA AZZAM 900-09-3033 LUJANE MULLA 900-10-1019 ABSTRACT There is no doubt that the widening income disparities were a major driving force fueling the recent uprisings within the Middle East. One solution that has been put forth for adoption is the progressive income tax. This paper intends to assess the theoretical bases and popular arguments surrounding this very dynamic topic. The first section provides a brief definition of progressive taxation in contrast with other forms of taxation. It also discusses the most dominant for and against arguments both from a theoretical and an empirical point of view. The second section provides a case study of progressive income taxes in a leading industrial and developed country; the US. The third section provides a comparative study from Brazil; an emerging economy that has recently adopted progressive taxation. Based on the theoretical analysis and the two case studies, the paper concludes by providing policy recommendations that should be implemented in order to complement progressive taxation and gain the best and most balanced results in terms of equality, efficiency and revenues. Finally taxation is only part of the economic equation; proper efficient tax system is only one step forward towards creating equal opportunities through proper...
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...ACKNOWLEGEMENT: Apart from our efforts, the success of any project depends largely on the encouragement and guidelines of many others. We take this opportunity to express our gratitude to the people who have been instrumental in the successful completion of this project. We would like to show our greatest appreciation to Mr. Shakeel Awan. We can’t say thank you enough for his tremendous support and help. We feel motivated and encouraged every time we attend his class. Without his encouragement and guidance this project would not have materialized. The guidance and support received from all the members who contributed and who are contributing to this project, was vital for the success of the project. We are grateful for their constant support and help. ABSTRACT: This research is conducted just to explore that what are the issues and challenges as also what opportunities are there for the Islamic banks in Pakistan. As Pakistan is a Muslim country and the main population is of Muslims, there is a great importance of Islamic banking in this country and people are getting aware of this financial system. But the main challenge here that is faced by the Islamic banking is that Pakistan govt. is supporting conventional banking more. For this research interviews were taken from the employees and the customers of Islamic banks. These interviews are about the basics of the Islamic banking, about the awareness of Muslim society, the opportunities for the development and growth...
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