...BIOGRAPHICAL SKETCH Im Cliffe Whitney Paug Lapiz, 22 years old, presently residing at Purok1 North Poblacion, Medina, Misamis Oriental. I am currently 3rd year student taking up Bachelor of Science in Business Administration major in Financial Management at Bukidnon State University-Medina External Studies. ACKNOWLEDGEMENT We thank almighty God for successful completion of this Development Paper this would not be possible without him. I have taken efforts in this requirement. However, it would not have been possible without the kind support and help of many individuals. I would like to extend my sincere thanks to all of them. We are really grateful to our subject instructor MR. EDMUND P. VOSOTROS, for all kinds of informative information and valuable advice. To our preeminent head MA’AM FLORENCIA BAANG, to all our deans named; MA’AM MARIETTA T. ASPRIL, MA’AM LARSENEY OBEMIO, MA’AM CICILE ALLOYON let me extend our over whelming thanks giving and our deepest gratitude and appreciation. I would like also to express my gratitude towards to my parents who gave us a support, of giving us money to work on this assignment. Let me give my greatest and deepest gratitude to all of my Classmates, Sir, Ma’am, thank you very much. INTRODUCTION Why do we need to borrow money? There a numerous reasons for the borrowing of money but common ones are; home loans, purchasing of cars, insurance...
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...borrow money. You should ask yourself if you need to spend the money, if you have other ways of financing the purchase and if you can afford to pay back the money you’re planning to borrow. Borrowing money becomes a problem if you borrow too much – that is, more than you can afford. It’s a problem if you borrow to where you can’t do other things or if you need to borrow to pay your regular monthly expenses. Just like your own money, you have to stay in control of the money you borrow from others. Borrowing money doesn’t have to be a bad thing. It can help. Borrowing just has to be done wisely, managed well, and held to a limit you can afford. I. History Land Bank of the Philippines (Filipino: BangkosaLupangPilipinas), also known as LANDBANK or by its initials, LBP, is a universal bank in the Philippines owned by the Philippine government with a special focus on serving the needs of farmers and fishermen. While it provides the...
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...LANDBANK OF THE PHILIPPINES HISTORY * August 8, 1963 LANDBANK was established as part of the Agricultural Land Reform Code, or Republic Act No. 3844 to help with land reform, especially the purchase of agricultural estates for division and resale to small landholders and the purchase of land by the agricultural lessee. * In 1965, LANDBANK's by-laws were approved and its first board of trustees was formed, with the Secretary of Finance as chairman. * In 1988, LANDBANK became the financial intermediary for the Comprehensive Agrarian Reform Program (CARP) * February 23, 1995, LANDBANK's charter was once again amended. Its authorized capital was increased to nine billion pesos and it became an official government depository. LANDBANK OF THE PHIL; * The Land Bank of the Philippines is a government financial institution that strikes a balance in fulfilling its social mandate of promoting countryside development while remaining financially viable. * The profits derived from its commercial banking operations are used to finance the Bank's developmental programs and initiatives. * LANDBANK also ranks among the top five commercial banks in the country in terms of deposits, assets, loans and capital. * Its special focus is to serve the needs of the farmers and fishermen. * It is an official depository bank of the Republic of the Philippines. * It is one of the biggest government-owned and/or controlled corporations in the Philippines. * Its...
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...E-mail address: rosalieubanon@gmail.com OBJECTIVES: To be able to apply my skills I learned in the academe in actual work setting. To work in a company that provides challenges and opportunities for training and development. EDUCATIONAL ATTAINMENT: Tertiary : Bachelor of Science in Business Administration Major in Marketing Management Polytechnic University of the Philippines Sta. Mesa, Manila 2008-2012 Secondary : Marikina High School F. Toress Concepcion I, Marikina City 2004-2008 WORK RELATED EXPERIENCE November 2009-January 2010 Student Trainee On-the-Job-Training Landbank of the Philippines -Issuing receipts for payment of SSS, Philhealth and Pag-ibig Fund. -Assisting the clients who want to have their new account. -Ensure proper documentation and filing. November 2011-February 2012 Student Trainee On-the-Job-Training Sales Administration department Emerald Headway Distributors Incorporated -Provide Sales and Marketing support to ensure that operations are maintained in an effective and accurate manner. -Prepare correspondences, reports and other documents requested by supervisor. -Provides administrative supports in all forms of communication from calls and email inquiries. July 23 & 26, 2011 Researcher Geiser Maclang Marketing Communications, Inc. -Completed...
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...\ Student Trainee’s Daily Journal Name of Student Trainee: Pantino, Steffi Kay D. Course: BSA - 4 Faculty Adviser: Mr. Wendell Ang Name of Company/Institution/Organization: RP Mora Accounting and Law Office Name of Supervisor: Ms. Victoria Meñoza Area Assigned: Audit Department Period Covered: December 1, December 3 and December 4 of 2015 No. of Hours: 24 hours Date | What I Did(Activities) | What Did I Learn? | Deficiency/ Concerns | December 1, 2015 | Today, I was asked to vouch for the expenses of Landbank Employees Credit Cooperative by looking into their general journal, cash disbursements and cash receipts for the year. | My supervisor told me that auditing for Landbank Employees Credit Cooperative would be quite a challenge since cooperatives have different accounting practices. While I was vouching for the various expenses, I realized how valuable official receipts are. It is indeed very helpful that they are numbered. | I have no concerns for today. | December 3 , 2015 | I was asked by my supervisor to verify the material amounts of the cooperative’s loans receivable. I again looked into the general journal, cash disbursements and cash receipts for the year. | I learned that before looking into the loans receivable of a company or organization, it is very important that you study their lending policies first. Vouching...
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...experience and business networks at our disposal to offer to our clients. We venture beyond traditional corporate finance to offer advice on many aspects of business strategy and operations, and work through the implementation process to create, unlock and enhance value. We have distinguished ourselves as providers of innovative, value-maximising solutions in an environment of productive, long-term relationships. Our clients include: • • • • • • • The City of Johannesburg The Eastern Cape Pineapple Industry Department of Agriculture Landbank Development Bank of Southern Africa Various Johannesburg Stock Exchange and some London Stock Exchange Listed Companies Numerous Privately Owned Companies We have funded businesses with Funding partners like: • • • • • • • • World Bank International Finance Corporation African Development Bank Development Bank of South Africa Industrial Development Corporation Eastern Cape Development Corporation Landbank of South Africa South African and International Commercial Banks Private investors • PRIVATE and CONFIDENTIAL CALICO CAPITAL (Pty) Ltd 1 Some of Our Well Known Projects and References: • African Supply Chain - Mpulungu in Zambia We developed a Socio-Economic Framework for the development of a Central-Africa Trade Corridor for the Zambian Government. •...
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...Student Trainee’s Daily Journal Name of Student Trainee: Pantino, Steffi Kay D. Course: BSA - 4 Faculty Adviser: Mr. Wendell Ang Name of Company/Institution/Organization: RP Mora Accounting and Law Office Name of Supervisor: Ms. Victoria Meñoza Area Assigned: Audit Department Period Covered: December 1, December 3 and December 4 of 2015 No. of Hours: 24 hours Date | What I Did(Activities) | What Did I Learn? | Deficiency/ Concerns | December 1, 2015 | Today, I was asked to vouch for the expenses of Landbank Employees Credit Cooperative by looking into their general journal, cash disbursements and cash receipts for the year. | My supervisor told me that auditing for Landbank Employees Credit Cooperative would be quite a challenge since cooperatives have different accounting practices. While I was vouching for the various expenses, I realized how valuable official receipts are. It is indeed very helpful that they are numbered. | I have no concerns for today. | December 3 , 2015 | I was asked by my supervisor to verify the material amounts of the cooperative’s loans receivable. I again looked into the general journal, cash disbursements and cash receipts for the year. | I learned that before looking into the loans receivable of a company or organization, it is very important that you study their lending policies first. Vouching would...
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...The Pantawid Pamilyang Pilipino Program Pantawid Pamilyang Pilipino Program is a poverty reduction and social development strategy of the national government that provides conditional cash grants to extremely poor households to improve their health, nutrition and education particularly of children aged 0-14. Pantawid Pamilya has dual objectives: * Social Assistance - to provide cash assistance to the poor to alleviate their immediate need (short term poverty alleviation); and * Social Development - to break the intergenerational poverty cycle through investments in human capital. Pantawid Pamilya helps to fulfill the country’s commitment to meet the Millennium Development Goals, namely: 1. Eradicate Extreme Poverty and Hunger 2. Achieve Universal Primary Education 3. Promote Gender Equality 4. Reduce Child Mortality 5. Improve Maternal Health Targeting System The poorest households in the municipalities are selected through the National Household Targeting System for Poverty Reduction (NHTS-PR) implemented by the DSWD using the Proxy Means Test. This test determines the socio-economic category of the families by looking at certain proxy variables such as ownership of assets, type of housing, education of the household head, livelihood of the family and access to water and sanitation facilities. Eligible Households 1. Residents of the poorest municipalities based on 2003 Small Area Estimates (SAE) of NSCB; 2. Households...
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...DE LA SALLE UNIVERSITY –DASMARIÑAS COLLEGE OF BUSINESS ADMINISTRATION ALLIED BUSINESS DEPARTMENT In Partial Fulfilment of Requirements in ECON201a- MICROECONOMICS CONCENTRATION RATIOS OF INDUSTRIES IN THE PHILIPPINES Submitted to: Mr. Romano Angelico Ebron Date submitted: October 19, 2011 Subitted by: Chan, Jessica Clarisse R. Reyes, Diane Eunice M. BSA31 AIRLINE INDUSTRY Concentration ratio based on market share of the airline industry 2008 Market Share 1. Cebu Pacific 49.1% 2. Philippine Airline 41.0% 3. Zest Air 5.9% 4. Air Philippines 2.8% Concentration Ratio 98.8% 2009 Market Share 1. Cebu Pacific 48.2% 2. Philippine Airline 32.1% 3. Air Philippines 11.2% 4. Zest Air 7.4% Concentration Ratio 98.9% 2010 Market Share 5. Cebu Pacific 44.7% 6. Philippine Airline 33.2% 7. Air Philippines 11.9% 8. Zest Air 8.3% Concentration Ratio 98.1% 2011 Market Share 1. Cebu Pacific 42.9% 2. Philippine Airline 25.7% 3. Zest Air 19.0% 4. Air Philippines 10.5% Concentration Ratio 98.1% Average Concentration Ratio of Airline industry 97.14% The steady decline in PAL’s market share indicates that competition has intensified. The four-firm concentration ratio (CR4) measures the revenue share of the four largest firms to total industry. The annual CR4 ratio indicates that the industry is basically an oligopoly...
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...GSM 5160: STRATEGIC MANAGEMENT CASE ANALYSIS PREPARED BY: marziana basir gm04459 SYAZwANI MUSTAFA gm04625 johan adam leong gm04319 FADZILLA ZAHRA SAMIAN GM04550 PREPARED FOR: SR. DR. HJ MAZLAN HJ HASSAN Graduate School of Management Universiti Putra Malaysia TABLE OF CONTENTS 1 | INTRODUCTION | | 1 | 2 | MISSION AND VISSION STATEMENT | | 2 | 3 | MARKET POSITIONING MAP | | 5 | 4 | KLK CORPORATE STRUCTURE | | 6 | 5 | FIRM’S OPERATIONS MAP LOCATION | | 8 | 6 | FINANCIAL ANALYSIS | | 9 | 7 | COMPETITORS’ ANALYSIS | | 18 | 8 | STRATEGY FORMULATIONSWOT ANALYSISInternal Factor Evaluation (IFE) MatrixExternal Factor Evaluation (EFE) MatrixCompetitive Profile Matrix (CPM)SWOT MatrixSPACE MatrixBOSTON CONSULTING GROUP (BCG) MATRIXINTERNAL EXTERNAL MATRIXQUANTITATIVE STRATEGIC PLANNING MATRIX (QSPM)GRAND STRATEGY MATRIXEPS/EBIT ANALYSIS BALANCE SCORECARD | | 21212223252629323435394041 | 9 | CONCLUSION | | 42 | INTRODUCTION Kuala Lumpur Kepong Berhad (KLK) is a Malaysian multinational company involved in plantation, manufacturing, retailing and property development. While plantation remains KLK's core business, it has expanded downstream into resource-based manufacturing, in particular oleochemicals, cocoa processing and rubber processing and employs more than 35,000 employees worldwide. As at 30 September 2011, KLK is listed on the Main Market of Bursa Malaysia Securities Berhad and has a market capitalization of approximately RM22.5 billion...
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...Swapping of PNB-Allied shares to complete merger MANILA, Philippines—Philippine National Bank plans to offer new shares to all stockholders of Allied Bank at P70 per share pursuant to the merger between the two banks via a share-swap. PNB plans to offer 423.96 million common shares worth a total of P29.68 billion to Allied Bank shareholders, based on the bank’s application for registration of securities at the Securities and Exchange Commission. This offer was based on the exchange ratio of 130 PNB common shares for each Allied Bank common share and 22.763 PNB common shares for each Allied Bank preferred share. As a result of the merger, PNB will have a combined outstanding capital stock of 1.086 billion common shares of which 423.96 million new common shares are issued to Allied Bank stockholders with an issue value of P29.68 billion. An application to list the new shares is expected to be submitted to the Philippine Stock Exchange before the end of this month. While PNB and Allied Bank executed their merger last February, this offer will complete the consolidation of shares into PNB which will be the surviving bank. “The merger marks a special milestone for both PNB and Allied Bank. The synergies arising from the broadened network, diversified deposit base and improved scale will provide a compelling value proposition for their various stakeholders,” PNB said in the regulatory filing. “In creating the country’s fourth largest privately -owned bank, the merged bank will...
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...DE LA SALLE UNIVERISTY – DASMARIÑAS | Bank of the Philippine Islands | Strategic Marketing | | Espinosa, Athena Marie Guerrero, KamilleMasangcay, Von RyanMercado, KristofferRoraldo, Ian Emmanuel | | MKA 4-1 September 26, 2013 Ms. Chona Bautista Table of Contents I. Situation Analysis3 a. SWOT/TOWS Analysis3 b. PEST Analysis5 c. Industry Analysis6 d. Market Analysis8 II. Market Target Description24 III. Marketing Objectives24 IV. Marketing Program Positioning Strategy25 V. Forecast and Budget27 VI. Monitoring and Control29 I. Situational Analysis a. SWOT/TOWS Analysis | Oportunities * Developing economy * Decrease in inflation rate * Different and more developed alternative channels. * Technological advancement and progress * Industry expansion | Threats * Financial crisis * New government regulations that may affect company operations. * Increase in Inflation rate * New competitor in the market * Changing customers’ needs for financial services. * Switching individual depositor and investors | Strengths * Company reputation and reliable financial position. * Oldest commercial bank in the Philippines * Top 3 largest bank in the Philippines * Branches nationwide * Overseas offices: HongKong and Europe * Conservative with their corporate principles * Respectable and competent management team * Sustainable growth: 43% higher in net income than year...
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...STA. CECILIA COLLEGE 108 Gen T. De Leon, Valenzuela City In Partial fulfillment of the Requirements for the Degree Of Bachelor of Science in Business Administration Major in Marketing Management ON THE JOB TRAINING REPORT IN LANDBANK OF THE PHILIPPINES (LBP) Submitted by: Calderon, Princess Camille L. Student Trainee Submitted to: Mr. Edzel D. Batuigas OJT Coordinator March 2016 Acknowledgement First and foremost, we would like to thank our Almighty God for giving us strength every day, for the guidance and, for the grace and blessings, and also for unconditional love that help us to perform our task as part of my On-the-Job Trainee. And to Ms. Bing Mendoza for help us to find a company for our OJT. To the Land bank Valenzuela family, especially to our trainer Ms. Jhoan Gacad, thank you for your warm welcome and for giving us this one of a kind experience in having our On-the-Job Training in your company and for giving us a chance that you have given us to be part of your team and giving us knowledge. To our Course Adviser, Mr. Edzel Batuigas for the support and guidance that you gave to us. For giving us a chance to explore the real world of Business. We have learned a lot from you sir. Especially to my loving family and friends, my deepest gratitude and appreciation for being with us from the very beginning and, for showing your unconditional love, unending support financially, emotionally and spiritually. I may...
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...greater harm to the environment? Justify your answer and support it with external source. between 0 and 2.5 year, a child uses about 4500 disposable diapers. (5.5 diapers per day). This situation can make us wonder about the environmental impacts that it implies. To reduce this externality many people use reusable diapers, but are they really better for the environment? While disposable diapers represent a large amount of waste, reusable diapers generate a minimal amount because in 2 ½ years, a child needs about 30 reusable diapers which will be washed 145 times. In contrast, reusable diapers have, other environmental impacts particularly through the consumption of water and energy generated. according to research conducted by (Landbank Consultancy), disposable diapers consume compared to washable diapers: - 3.5 times more energy - 2.3 times more water - 8.3 times more than non-renewable raw materials - 90 times more renewable raw materials In addition, they generate more solid waste 60 times. The Disposable Diaper Industry (cited by Born to Love) also conducted a study about it. For one child, disposable diapers represent - 4,5 trees - 25 kg of plastic, obtained with 67 kg of crude oil - Over 4500 layers thrown in the garbage, which represents 820 kg of waste, From an ecological point of view, the full reports indicate that the use of reusable nappies causes less pressure on the environment. Pulp and paper, transportation, and chemicals waste...
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...Because the Office of Fair Trading (OFT) has said that the UK's four biggest supermarkets, Asda, Tesco, Morrisons and Sainsbury's, colluded with dairies to keep the price of milk and other dairy goods artificially high between 2002 and 2003. The watchdog says that consumers ended up paying £270m over the odds for milk, cheese and butter as a result of the price-fixing deal. It has added fresh impetus to the argument that the UK's supermarkets have become so big that they are able to dictate to suppliers and customers alike, with decisions on how much consumers should pay being decided by a small group of executives. Their size allows them to have a huge power over their suppliers. Supermarkets have been accused of squeezing their suppliers to sell their produce for tiny profits, leading the National Farmers' Union to suggest that some suppliers lived under a "climate of fear and oppression". And while market watchers were reporting an upward trend in food prices this summer, Asda was introducing the £2 chicken. Suppliers were soon crying that they could not keep production costs down. It's not just domestic producers who are feeling the pinch from the hard bargaining driven by supermarkets. A report by Action Aid published earlier this year said that in order to deliver low prices to consumers, workers for supermarket suppliers abroad were receiving poor wages, job insecurity and were being denied basic human rights. It said that women in particular were suffering as a result...
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