...Enterprise Rent-A-Car Selling the Dream FEBRUARY 2008 Problem Statement After competing successfully in the market for more than 35 years, Enterprise wishes to achieve similar rates of growth as it always has. The sheer growth rates have turned it into a mammoth of car rental services. Its “small-business” corporate culture has been a determinant to the company’s growth; a culture that is now being challenged by its very size of operations. How will the company continue to apply its successful business strategy in a dynamic and increasingly competitive market? In order to resolve this issue two key problems must be addressed: 1 – How can Enterprise remain competitive while many competitors are beginning to cash-in on the “home-city” market opportunity. 2 – The company’s success is also largely dependent on the skillful employees it has always attracted. However, new graduates are finding the idea of working in the car rental industry less and less appealing. Situation Analysis After 5, 10, or maybe even 20 years of outperforming the market, one would expect Enterprise to ease from its growth stage into maturity. After 35 years, the company continues to grow, and it has great expectations for its future. Armed with a great track record, and powerful ambitions, the company faces a battle against competitors who are rapidly penetrating the “home-city” market. Also, the company faces its own internal battles, as attracting new quality employees is becoming more and more of...
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...Decision Assignment One As the CFO of 'New Dream' I need to study about our sources of finance including internal and external sources in fifferent stage for the development in new dream. I will give my professional advises onto three task-it is true that profit is source of funding to run New dream?And i also need to find the sources of funding availble for a business project,and no matter it is in private sector,public listing sector or in public sector,on task two,i need to explain and assess the implications of the different sources or funding,on the last task,i need to find out the life-span situation of New Dream and evaluate appropriate source of finanace for starting-up the 'New Dream' and in different stage of New Dream's situations. First,i would like to talk about source of funding of New Dream.New dream is a Educational institutions,it provided english courses for chinese students who want to study TOEFL.In other words,New dream mainly provided knowledge to students,we can see that New Dream make profit by providing english courses to students,about sources of funding,there are three way of company to do funding,such as make profit by selling a product for more than it costs to produce,companies can borrow money. This can be done privately through bank loans, or it can be done publicly through a debt issue. The drawback of borrowing money is the interest that must be paid to the lender,and company can generate money by selling part of itself in the form of shares...
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...Data Mining By: Holly Gildea CIS 500 Dr. Janet Durgin June 09, 2013 Data Mining We learn that data mining is a method of evaluating data from different viewpoints and summarizing it into useful information. Such information can be beneficial and used to increase things like revenue, and cutting costs, and so on. There are four categories that we will look at and determine the benefits for in regards to data mining: predictive analytics to understand the behavior of customers, associations discovery in products sold to customers, web mining to discover business intelligence from web customers, and clustering to find related customer information. To understand the behavior of customers by the use predictive analytics we must first understand what predictive analytics is. “Predictive analytics is the process of dealing with a variety of data and applying various mathematical formulas to discover the best decision for a given situation” (ArticleSnatch, 2011). This gives any business a competitive edge and helps to remove the guess work out of the decision making process therefore helping to find the right solution in a shorter amount of time. In order to find the solution faster there are a seven simple steps that must be worked thru first: what is the problem for the company, searching for multiple data resources, take the patterns that are observed from that data, creating a model that contains the problem and the data, categorize the data and find important...
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...BWBS3043 ISLAMIC BANKING MANAGEMENT TABLE OF CONTENTS BIL 1.0 2.0 CONTENT Islamic Contracts in Islamic Bank INTRODUCTION OF THE SELECTED BANK 2.1 2.2 2.3 Background of Affin Bank Berhad Background of Islamic Affin Bank Berhad Background of RHB Islamic Bank Berhad PAGE 2 5 5 6 7 8 8 12 15 17 18 47 3.0 LOAN AND FINANCING SERVICES 3.1 3.2 Affin Bank Berhad Services Affin Islamic Bank Berhad Services 3.2.1 3.2.2 3.3 Trade Financings Contracts Financing RHB Islamic Bank Services 4.0 Comparison of Products between Conventional Bank and Islamic Bank 4.1 Affin Bank Berhad and Affin Islamic Bank Berhad 19 20 5.0 References Page | 0 BWBS3043 ISLAMIC BANKING MANAGEMENT 1.0 ISLAMIC CONTRACTS IN ISLAMIC BANK Definition It involves a contract between the seller and its buyer for the sale of goods at a price that includes an agreed profit margin, either a lump sum or percentage of the purchase price. The seller will purchase the goods that requested by buyer and will sell them to buyer with a mark-up. Contracts Murabahah (cost-plus financing) Mudharabah (profit sharing) Contract with one party providing 100 per cent of the capital (Rabb al-Mal) and the one party (the mudharib) providing its expertise to invest the capital and manage the investment project. Profits generated are distributed according to a pre-determined ratio, but it like the capital itself that cannot be guaranteed. The provider of capital was the losses, who have no control over the management of the...
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...thomas a . meyer How Great companies Get Started in terrible times Innovate! Innovate! How Great Companies Get Started in Terrible Times THOMAS A. MEYER John Wiley & Sons, Inc. Copyright © 2010 by Thomas A. Meyer. All rights reserved. Published by John Wiley & Sons, Inc., Hoboken, New Jersey. Published simultaneously in Canada. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning, or otherwise, except as permitted under Section 107 or 108 of the 1976 United States Copyright Act, without either the prior written permission of the Publisher, or authorization through payment of the appropriate per-copy fee to the Copyright Clearance Center, Inc., 222 Rosewood Drive, Danvers, MA 01923, (978) 750-8400, fax (978) 646-8600, or on the web at www.copyright.com. Requests to the Publisher for permission should be addressed to the Permissions Department, John Wiley & Sons, Inc., 111 River Street, Hoboken, NJ 07030, (201) 748-6011, fax (201) 748-6008, or online at http://www.wiley.com/go/permissions. Limit of Liability/Disclaimer of Warranty: While the publisher and author have used their best efforts in preparing this book, they make no representations or warranties with respect to the accuracy or completeness of the contents of this book and specifically disclaim any implied warranties of merchantability or fitness for a particular purpose...
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...and coaching inns developed. o 19th century. Key event: Steam transport (boats and trains). First organized tours and excursions by Thomas Cook. Growth of hotels and resorts in Europe. Introduction to traveller’s cheques and hotel vouchers. Birth of mass tourism. o Post-World War II . Key event: Paid holidays. More disposable income. Rowth of holidy camps ( accomodation and entertainment). Package holidays. The invention of jet engine. B. FOUNDATION AND DEVELOPMENT OF VIETNAM’S TOURISM INDUSTRY o From 1960 to 1975 Key event: 09/07/1960: Vietnam Tourist Enterprise founded in the North (Only guests of the government were served; having no good conditions or potentials for tourism industry to develop; luxurious hotels, restaurants, bars, nightclubs were mainly in in the South). o From 1975 to 1989 Key event: - Late of 1975 to early of 1976: Tourists enterprises or agencies founded in many cities and provinces around the country. Tourists are mainly from the East of Europe and domestic tourists. - 23/01/1979: Vietnam National Administration of Tourism/ General Department of Tourism founded ( managing and doing business). - 19/07/1981: Vietnam has been recognized as an official member of WTO. - 11/07/87: Vietnam National Tourism Corporation founded (belonging to Department of...
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...A study on Loan Disbursement system of IFIC Bank (Dhaka Stock Exchange Branch Ltd.) A study on Loan Disbursement system of IFIC Bank (Dhaka Stock Exchange Branch Ltd) Prepared for: Dr. Shahriar Kabir Assistant Professor, School of Business University of Liberal Arts Bangladesh Prepared by: Saif Ur Rashid ID: 081011050 School of Business University of Liberal Arts Bangladesh December 22, 2011 Letter of Transmittal December 22, 2011 Dr. Shahriar Kabir Assistant Professor, School of Business University of Liberal Arts Bangladesh Subject: Submission of Report titled: “A study on Loan Disbursement system of IFIC Bank (Dhaka Stock Exchange Branch Ltd.)” Dear Assistant Professor Dr. Shahriar Kabir PhD (Curtin University Australia) It is my pleasure to submit you the internship report on “A study on Loan Disbursement system of IFIC Bank (Dhaka Stock Exchange Branch Ltd.)”. I understand that the report submission is a requirement for the completion of BBA program from University of Liberal Arts Bangladesh. This report covers the loan disbursement system of IFIC Bank Dhaka Stock Exchange Branch Ltd. But unfortunately not all loans are given to the clients. So my report does not cover the loans which are not given. I tried my best to make this report complete and error free. I would be grateful if you accept my report. Sincerely Yours Saif Ur Rashid ID: 081011050 Contents 1...
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...GAZI: What’s next? Prof.Dr. Vasilika Kume1 “You never know what lies over the next hill, but I am confident that whatever happens I will think on my feet.” Gazmend Haxhia Introduction On a Saturday afternoon in the summer of 2010, Gazmend Haxhia (Gazi), President of Albanian Center of Management Services and Avis Rent a Car Albania, together with Anila his business partner and wife of nine years were sitting in their office in Rogner Hotel in Tirana and contemplating the future of their multiple businesses. As Licensee Proprietor and President of Avis Rent A Car Albania, Managing Director of the OPEL General Motors Albanian Representation, Co-Chairman of Albanian Center for Management Services (ACMS), Owner of Albanian Experience travel agency, Cofounder of the architecture and urban planning academic institution Polis University, Gazi has worked hard to effect change and produce businesses reflecting the intersection of entrepreneurship, creativity, fairness and sound management. Everyone would have envied this career – and all in only 15 years. But Gazi was not satisfied, and with the enthusiasm of an eternal optimist that is a landmark trait of Gazi‟s, he was posing the next challenge: What lies next as the growing of existing businesses was not what he was looking for? Gazi was thinking about „The Next Big Thing.‟ He felt himself at a crossroads: What‟s next? Embarking on something new? Is identifying growth areas the new challenge for the future? Other questions which...
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...Horngren's Accounting, 10e (Nobles/Mattison/Matsumura) Chapter 18 Introduction to Managerial Accounting Learning Objective 18-1 1) Managerial accounting focuses on providing information for internal planning and control. Answer: TRUE Diff: 1 LO: 18-1 AACSB: Concept AICPA Functional: Reporting 2) Financial accounting prepares reports for internal purposes, whereas managerial accounting provides information to external stakeholders. Answer: FALSE Diff: 1 LO: 18-1 AACSB: Concept AICPA Functional: Reporting 3) The IMA standards of ethical practice require managerial accountants to maintain their professional competence. Answer: TRUE Diff: 1 LO: 18-1 AACSB: Ethical Understanding AICPA Functional: Reporting 4) The accountant for Myra Lido deliberately deferred cash payments for business expenses in order to record a higher operating cash flow for the company. As long as the amount was not material, this would not be considered unethical behavior. Answer: FALSE Diff: 1 LO: 18-1 AACSB: Ethical Understanding AICPA Functional: Reporting 5) Financial statements prepared for investors and creditors often include forward-looking information because they make decisions based on a company's future prospects. Answer: FALSE Diff: 1 LO: 18-1 AACSB: Concept AICPA Functional: Reporting 6) Management accounting reporting by a public firm is required to follow the rules of GAAP and guidelines of the Securities Exchange Commission...
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...an Introduction to Islamic Finance = = = jìÑíá=jìÜ~ãã~Ç=q~èá=rëã~åá `çåíÉåíë= Foreword Some Preliminary Points _ÉäáÉÑ=áå=aáîáåÉ=dìáÇ~åÅÉ= qÜÉ=_~ëáÅ=aáÑÑÉêÉåÅÉ=ÄÉíïÉÉå=`~éáí~äáëí=~åÇ=fëä~ãáÅ= bÅçåçãó= ^ëëÉíJÄ~ÅâÉÇ=cáå~åÅáåÖ= `~éáí~ä=~åÇ=båíêÉéêÉåÉìê= mêÉëÉåí=mê~ÅíáÅÉë=çÑ=fëä~ãáÅ=_~åâë= 6 9 V NM NO NQ NR Musharakah qÜÉ=`çåÅÉéí=çÑ=jìëÜ~ê~â~Ü= qÜÉ=_~ëáÅ=oìäÉë=çÑ=jìëÜ~ê~â~Ü= Distribution of Profit Ratio of Profit Sharing of Loss 17 NV OP 23 24 24 qÜÉ=k~íìêÉ=çÑ=íÜÉ=`~éáí~ä= j~å~ÖÉãÉåí=çÑ=jìëÜ~ê~â~Ü= qÉêãáå~íáçå=çÑ=jìëÜ~ê~â~Ü= Termination of Musharakah without Closing the Business OR OU OU 29 Mudarabah _ìëáåÉëë=çÑ=íÜÉ=jìÇ~ê~Ä~Ü= aáëíêáÄìíáçå=çÑ=íÜÉ=mêçÑáí= qÉêãáå~íáçå=çÑ=jìÇ~ê~Ä~Ü= `çãÄáå~íáçå=çÑ=jìëÜ~ê~â~Ü=~åÇ=jìÇ~ê~Ä~Ü= 31 PO PP PQ PR ÅçåíÉåíë= Musharakah & Mudarabah as Modes of Financing mêçàÉÅí=cáå~åÅáåÖ= Securitization of Musharakah Financing of a Single Transaction Financing of the Working Capital 37 PU 39 42 43 pçãÉ=lÄàÉÅíáçåë=çå=jìëÜ~ê~â~Ü=cáå~åÅáåÖ= Risk of Loss Dishonesty Secrecy of the Business Clients’ Unwillingness to Share Profits House Financing on the Basis of Diminishing Musharakah Diminishing Musharakah for Carrying Business of Services Diminishing Musharakah in Trade RO aáãáåáëÜáåÖ=jìëÜ~ê~â~Ü= 52 54 55 56 RT 59 63 63 Murabahah fåíêçÇìÅíáçå= Some Basic Rules of Sale Bai’ Mu’ajjal (Sale on Deferred Payment Basis) 65 SR 66 70 jìê~Ä~Ü~Ü= pçãÉ=fëëìÉë=fåîçäîÉÇ=áå=jìê~Ä~Ü~Ü= Murabahah...
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...Bahria university Karachi campus Business plan Art on wheel Group members: Anjali Pinjani Aqsa Rajput Hina Kumari Samia Irshad Sumbal Saleem TABLE OF CONTENTS Description of Business: 3 1.0 Executive Summary 3 Business Idea: 6 Type of Organization 7 Marketing and sales strategy 7 Key success factors: 8 Short-term business goals: 8 Long-term business goals: 8 Mission 9 Vision 9 Socially responsible organization. 10 4.0 Opportunity Analysis & Research 10 Target customer: 11 4.1 Industry Analysis 11 Future Outlook and Trends 12 Market Segmentation 12 Industry and Market Forecast 13 4.2 Environmental Analysis 13 SWOT Analysis 13 Competitive Analysis 14 Analysis of Competitors 14 5.1 Products/Services 17 Products 17 2.2 Services 19 Meeting customer needs: 20 Pricing 21 Type of Payment 21 5.3 Promotion 22 Publicity for your organization 25 Public Relations & Publicity 25 Distribution 26 Access routes : 26 6.0 Management & Operations 27 6.1 Management Team 27 6.2 Research & Development 29 6.3 Facilities 30 Machinery and Equipment 30 Technology Utilization 30 Inventory, Production, & Quality Assurance 30 Production process 30 Production-distribution channel 31 Flow of Orders 31 7.0 Financial Analysis & Projections 34 Record keeping system. 34 7.1 Sources & Uses of Capital 34 Cash reserve & start-up capital: 35 Sources of financing 36 Bootstrap financing...
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...THE SMILE FACTORY: WORK AT DISNEYLAND by John Van Maanen Part of Walt Disney Enterprises includes the theme park Disneyland. In its pioneering form in Anaheim, California, this amusement center has been a consistent money maker since the gates were first opened in 1955. Apart from its sociological charm, it has, of late, become something of an exemplar for culture vultures and has been held up for public acclaim in several best-selling publications as one of America's top companies, most notably by Peters and Waterman (1982). To outsiders, the cheerful demeanor of its employees, the seemingly inexhaustible repeat business it generates from its customers, the immaculate condition of park grounds, and, more generally, the intricate physical and social order of the business itself appear wondrous. Disneyland, as the self-proclaimed "Happiest Place on Earth," certainly occupies an enviable position in the amusement and entertainment worlds, as well as the commercial work in general. Its product, it seems, is emotion-"laughter and well being." Insiders are not bashful about promoting the product. Bill Ross, a Disneyland executive, summarizes the corporate position nicely by noting that "although we focus our attention on profit and loss, day-in and day-out we can not lose sight of the fact that this is a feeling business and we make our profits from that." 1 ' The "feeling business" does not operate, however, by management decree alone. Whatever services...
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...Internship Report on Marketing Strategy of Shahjalal Islami bank Background of the Study Now-a- day’s banking sector is modernizing and expanding its hand in different financial events every day. At the same time he banking process is becoming faster, easier and is becoming eider. In order to survive in the competitive field of the banking sector all organizations are looking for better service opportunities to provide their fellow clients. So it has becoming essential for every person to have some idea on the bank and banking procedure. Internship program so called work attachment program an essential for every BBA student because it helps him or her to acquaint with the real life situation. As bank is one of the most important financial intermediaries. So I have selected Shahjalal Islami Bank Limited, which is one of the most leading banks of the new bank arena. 1.2 Objective of the Study There have two types of objective 1.2.1. The main objectives of the study are: • To find out the reality in the practical life. • To fulfill the requirement for the completion of BBA program. 1.2.2. The Secondary objectives of this report are: • To develop the practical knowledge by the practical orientation of work. • To build up the pillar of the career for near future. • To know about Shahjalal Islami Bank Limited (SJIBL) operational activities which is based on Islami Shariah. • To know about Human Resource Departments Practices of SJIBL. • To know distinguishing fractures...
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...Creating a Winning Business Plan 27 Planning ahead 27 Making sure the plan is yours 30 Your blueprint for success 30 Getting help from the public sector 36 Getting help from the banks 36 Checklist 37 Constructing your 'blueprint for success' 38 Case studies 43 Exercises 45 4 Funding Your Enterprise 46 Getting your hands on some seed money 46 Start-up costs 46 Getting outside finance 49 Approaching the public sector 50 Approaching potential funders 54 The plan that will fix your funding 58 Presenting your case 61 Checklist 62 Case studies 63 Action points 65 5 Planning Ahead 66 Choosing a partner 66 Case studies: going into partnership 69 Measuring the competition 71 Competitive analysis 75 Finding the right premises 77 The systems you will need 79 Deciding your business status 80 Understanding the basics of taxation 81 Preparing to survive - and succeed 84 Case studies 85 Action points 87 6 Marketing Your Enterprise 89 Debunking the marketing myth 89 Creating the right personal image 90 Marketing research 95 Above the line promotion 97 Avoiding mistakes in small business marketing 99 Case studies 103 Action points 104 7 Cultivating the Selling Habit 105 How to begin 105 Learning to negotiate 106 Prospecting for customers 107 Making your appointments 108 Clinching a deal face-to-face 113 The ten...
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...RAJASTHAN TECHNICAL UNIVERSITY, KOTA A Project Study Report On Training Undertaken at Indusind Bank logo Titled “BASIC BANKING AT INDUSIND BANK LTD.” Submitted in partial fulfillment for the Award of degree of Master of Business Administration [pic] Submitted To: Submitted By: Ms. Dimple Arya Chandra Sekhar Charan HR Manager MBA IIIrd Sem. 2009-2011 G D MEMORIAL COLLEGE OF MANAGEMENT AND TECHNOLOGY JODHPUR Acknowledgement I take this opportunity to express my deep sense of gratitude, thanks and regards towards all of those who have directly or indirectly helped me in the successful completion of this project. I present my sincere thanks to Mr. Dhruv Jangid (Branch Manager ) who allowed me to take training at INDUSIND BANK. I would also like to thank INDUSIND bank Staff for their wonderful support & inspirable guiding. I am grateful to all faculty members of G.D Memorial College and my friends who have helped me in the successful completion of this project. Last but not the least I am indebted to my PARENTS who provided me their time, support and inspiration needed to prepare this report. Date: Place: Jodhpur Signature Chandra Sekhar Charan Preface This report is prepared as the partial fulfillment for Two-Year degree Program of MBA curriculum of Rajasthan Technical University, Kota....
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