...show their social responsibility through community support, such as outreach and donations. When a company does something that is perceived to be socially irresponsible it can be bad for business, such as in the case of Company Q declining to give day old food to the area food bank. This paper will evaluate Company Q’s attitude toward societal responsibility and recommend three areas of improvement. Company Q, in my opinion, showed a lack commitment to social responsibility by not supporting the local area food bank. Situated in major metropolitan city, I believe their success came from the support of the people of the community and therefore obligates them to give back to that community. In addition it showed a major lack of consideration by insinuating possible fraud and theft from their employees. This unethical attitude displayed by Company Q now evidenced by its poor employee relations, is in trouble of a possibly poorer reputation with its customers, one that may not be profitable for business. If they are to improve their attitude toward social responsibility, I recommend the following three areas of improvement: 1. Ethical practices in their operations 2. Ethical treatment of employees 3. Community outreach and involvement (particularly with the food bank) Ethical Practices in Operations. Company Q closed stores in higher crime areas reportedly due to loss of revenues. There has been a wave of company exodus form the areas that support them.ojcdm...
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...152 PART II Understanding the OD Process CASE: THE OLD FAMILY BANK The Old Family Bank is a large bank in a southeastern city. As a part of a comprehensive internal management study, H. Day, the data-processing vice president, examined the turnover, absenteeism, and productivity figures of all of the bank’s work groups. The results Day obtained offered no real surprises except in the case of the check-sorting and data-processing departments. is quiet and comfortable. Both groups are known to be highly cohesive, and the workers in each department function well with one another. This observation was reinforced by the study’s finding of the low levels of turnover and absenteeism. THE INTERVIEW DATA In an effort to understand this phenomenon, Day decided to interview the members of both departments in order to gain some insight into the dynamics of each group’s behavior. Day discovered that the checksorting department displayed a great deal of loyalty to the company. Most of the group members are unskilled or semiskilled workers; although they have no organized union, they all felt that the company had made special efforts to keep their wages and benefits in line with unionized operations. They knew that their work required team effort and were committed to high performance. A quite different situation existed in the dataprocessing department. Although the workers liked their fellow employees, there was a uniform feeling among this highly skilled group that management...
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...ld Family Bank Case Analysis Problems: Macro: 1) Lack of loyalty to the bank could affect the effectiveness of the bank. 2) The processes for setting pay rates are poor and needs to be reviewed. Micro: 1) The computer services department, although all employees work well together and have a strong team, are not loyal to the bank. 2) The computer services department feels that they are unappreciated by management. 3) The computer services department may be underpaid compared to employees with the same job skill at different companies. 4) The working conditions for check sorting employees is undesirable. Causes: 1) Compensation may not have been properly addressed with computer services employees. 2) Managers were not aware of how the computer services department felt about the pay situation and the emphasis on production rather than support units. Systems Affected: 1) Psychosocial: There is no loyalty to the bank from the employees in the computer services department. That affects productiveness as well as employee morale. They do not feel that their work is appreciated. 2) Managerial: Managers were unaware of how the computer department felt until H. Day examined the turnover, absenteeism, and productivity figures. Alternatives: 1) H. Day could do research on the pay rates of employees in similar positions at other companies to make sure that their employees are paid competitively with others. 2) H. Day could call a meeting between the computer services...
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...The Old Family Bank The Old Family Bank is a large bank in a southeastern city. As a part of comprehensive internal management study, H. Day, the data processing vice president, examined the turnover, absenteeism, and productivity figures of all work groups in the organization. The results Day obtained contained no real surprises except in the case of the check sorting and data-processing departments. The Study The study revealed that in the general the departments displaying high turnover and absenteeism rate had low production figures, and those with low turnover and absenteeism were highly productive. When analysis began on the check sorting and data processing figures, Day discovered that both departments were tied for the lead for the lowest turnover and absenteeism figures. What was surprising was that the check-sorting department ranked first as the most productive unit, whereas the electronic data processing department ranked last. The inconsistency was further complicated by the fact that the working conditions for check-sorting employees are extremely undesirable. They work in a large room that is hot in the summer and cold in the winter. They work alone and operate high-speed check-sorting machines requiring a high degree of accuracy and concentration. There is little chance for interaction because they all take rotating coffee breaks. The computer room is air conditioned, with a stable temperature year round; it has perfect lighting and is extremely quiet and...
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...employers. In India however, the banking sector has been a high level of fragmentation with a large Share held by private as well as the Government bodies. The project analyzed the financial data of different Clients of Gondia district central co-operative Bank ltd (GDCC) Maharashtra. The purpose of this project is to identify the Financial position of the clients, their capability to repay the loan and the actual Credit required by them for their business. During this project another main task was to identify the Pre – Sanction and the Sanction Process of LOANS. The study is grounded on the analysis of Financial Reports of the Clients. My study also included how working in the district and what is there performance there. 2.1 INTRODUCATION OF THE SYUDY Decision about housing is among the most important financial decision most of the people ever have to make. Buying a home is a major commitment, and home payments take a big chunk of the family budget. In 1970s, home payments took about one-quarter of a family’s take-home pay. People bring about 1/3rd of their salary to their home now. Home ownership has a number of advantages over renting. Mortgage payments are like “force savings”, making one’s...
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...STRESS OF EMPLOYEES IN HSBC BANK (Vietnam) Ltd. [pic] Ho Chi Minh City, January 2015 ADVISOR’S ASSESSMENT Advisor’s signature Nguyen The Khai, DBA TABLE OF CONTENTS LIST OF TABLE 3 ABSTRACT 4 CHAPTER I: INTRODUCTION 5 I. INTRODUCTION OF HSBC bank 5 1.1 Over view of the company 5 1.2 Products and brand name 6 1.3 Business Objectives 6 1.4 HSBC bank to commitments to its employees 7 1.5 Human resource manager system 8 II. RESEARCH INTRODUCTION 9 2.1 Problem statement 9 2.2 Main construct 9 2.3 Research objective 9 2.4 Research questions 10 CHARPTER II: LITERATURE REVIEW 11 I. JOB STRESS 11 II. TYPES OF JOB STRESS 13 CHARPTER III: RESEARCH MODEL AND HYPOTHESES 16 I. RESEARCH MODEL 16 II. RESEARCH HYPOTHESES 17 2.1. Work Interference With Family and Family interference with work. 17 2.2 Job –Family Role Strain Scale……………………………………………......19 2.3 Work to family Conflict Scale 21 CHARPTER IV: RESEARCH METHODS 24 I. RESEARCH DESIGN 24 II. RESEARCH METHODS 24 2.1 Data collection method 24 2.2 Measures 24 2.2.1 Work interference With Family and Family interference with work…….25 2.2.2 Job- Family Role Strain Scales 28 2.2.3 Work to family conflict 29 2.2.4 Control over areas of work and familu 31 III. DATA ANALYSIS AND REPORT 33 3.1 Demographic...
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...Stage 2 DevelopingTable of Contents 0 Table of Contents 1 1.1 Key factors in case study 2 1.2 Likely financial needs of the clients 7 1.2.1 Savings 8 1.2.2 Insurance 8 1.2.3 Investment 8 1.3 Suggestions how the needs can be resolved 9 1.4 Likely providers 9 1.5 Relevant products and services 11 1.5.1 Savings 11 1.5.2 Insurance 14 1.5.3 Investment 15 1.6 Reviewing the customer service provision 17 1.6.1 Citibank 17 1.6.2 AXA 19 1.6.3 Lloyds TSB Bank 19 1.6.4 NS&I 20 1.6.5 HSBC 22 1.7 Reviewing the extent to which funds are protected or at risk 22 1.7.1 Savings 23 1.7.2 Investments 23 1.7.3 Insurance 23 1.7.4 Pension 23 1.8 Identifying the criteria on which to base the decisions 24 1.9 Justification for selection 25 1.9.1 Benefit-needs analysis 25 1.9.2 Comparison with other providers, products and service 26 1.9.3 Tax implications 27 1.9.4 Risk implications 29 1.9.5 Analysis of the customer service commitments 30 1.9.6 Compensation analysis 30 1.10 Conclusion 31 References 34 1 Key factors in case study In the case, I will give you a brief introduction about key factors in this case. My clients are Duncan Kenndy and Elaine, a retired couple. Duncan Kennedy is a 64 years old man. And he is a retire government official. He already receives his government...
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...DETERMINING CREDIT WORTHINESS OF A COMPANY; A CASE OF NATIONAL FABRICATORS I. Introduction/background a. What is the case about? b. What are the issues to be analysed? - What are the options? - What are the decisions to be made? II. Analysis of the issues III. Recommendations with reasons IV. Executive Summary INTRODUCTION/ BACKGROUND What is the case about? In July 1994, the president of National Fabricators Inc Mr. Tom Kruger called his bank manager of the confederation Bank of Canada, Mr.Jim Kashmar to ask that the bank continue to extend a temporary line of credit of $ 1,000,000 for a period of sixty days. They needed this extension because there had been some delays in the collection of the company’s holdbacks for that period. After the sixty days they hoped to have collected their holdbacks and other receivables so they would return to their normal line of credit which was $800,00. In the month before however, national fabricators had asked for the same extension in credit as a result of delays in the collection of some payments for locker room installations done. The bank had reluctantly extended the credit on the basis of the confidence in the new president of the company, relations with client and the company’s impact on community. They however stated that, nothing in the application warranted the extension of further credit. As such this new appeal for an extension had to be...
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...Bonnie Sweeten This case received media attention when Bonnie Sweeten called 911 on May 26, 2009 stating she and her 9 year old daughter had been kidnapped. She claimed two males forced the two in the trunk of her SUV. It was later discovered that Sweeten faked the whole ordeal and was actually caught at Disney World and taken into custody. Bonnie falsely claimed the abduction and details of the case are unfolding daily. Many would think a mother that would pull a stunt of such nature as Sweeten must be crazy and have a problem. Sweeten does have a problem and it is much deeper than what the surfaces may display. The mother of three appeared to be the perfect mother, working full time at a law firm for 15 years, active PTA mom and supportive wife , all while living the middle class lifestyle. The problem lies there, although it appeared Sweeten lived the middle class lifestyle through hard work and dedication, this was not the case. Financial stress may have led Sweeten to do the unthinkable. The plane tickets were purchased under a false identity of a former co-worker. An investigation is ongoing into allegations from previous employer of theft into the thousands. Before leaving she withdrew $12,000 from several bank accounts. Sweeten even posted 10% of the $1 million bond with cash. Authorities are investigating into the financial matters of Bonnie. Since being released on $100,000 cash bail, Bonnie plans to stay with distant relatives in Pennsylvania and begin mental...
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...PROF. AVIJAN DUTTA, for his encouragement and support throughout our entire project work, without which this project could not be completed. We would also like to thank our professors for their help and guidance for all the management subjects. We are grateful to all our friends who have encouraged and provided moral support throughout this project work. Last but not the least, we would like to specially thank all our family members for their unending support and inspiration. Contents Executive summary. Section 1.01 MAJOR FINDINGS. 3 Section 1.02 CONCLUSIONS. 3 Problem recognition. Section 2.01 Background of the problem 4 Research Design. Section 3.01 Preliminary survey. 5 Section 3.02 Pilot survey. 6 Section 3.03 Household Survey 11 Data Analysis. Section 3.01 Using SPSS. 14 Section 3.02 Analysis report. 14 Plan of Data Analysis. Section 4.01 ANALYSIS ON THE BASIS OF GENDER 16 Section 4.02 ANALYSIS ON THE BASIS OF AGE GROUP 17 Section 4.03 ANALYSIS ON THE BASIS OF INCOME GROUP. 18 Section 4.04 Analysis on the basis of occupation. 19 Conclusion EXECUTIVE SUMMARY MAJOR FINDINGS. To analyse the primary reasons of brand switching. This research will focus on aspects of marketing mix elements which influence brand...
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...business plan to ensure long term sustainability, Critical issues– you have identified the capacity issue correctly. nicely done. increase services- why does she need to do this? dig further to get to the critical issue. keep asking why. 2) Increase services available so Best can increase clients and retain current clients, and 3 )Have the ability to increase number of client load to ensure growth of company. Analysis In order for a business to meet goals and reach targets, it needs to have a business plan in place which clearly outlines what they are. Best has no business plan, because the owner has not had time to create one. This is a critical issue, because although employees of Best may be working very hard, they need to have goals in mind and measurable targets that they can achieve in order to stay current and adapt and grow with the industry changes. The financial planning industry is expected to grow in the near future, and in order to deal with the baby boomers retiring and taking their money out of investments, as outlined in the Exhibit 2, SWOT Analysis, there needs to be plan to ensure that the business can continue on once their target audience moves towards retirement. At the loss of one major client, Best is facing serious repercussions. It was heavily reliant on a In order to make your service argument convincing, I would point, any a competitive few largely invest clients to...
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...FACTORS THAT INFLUENCE THE CREDIT AVAILMENT OF SMALL AND MEDIUM ENTERPRISES (SMEs) IN TANAUAN CITY A Thesis Presented to the Faculty of College of Accountancy Business, Economics and International and Hospitality Management Batangas State University-JPLPC,Malvar Campus Malvar, Batangas In Partial Fulfillment Of the Requirement for the Degree Bachelor of Science in Business Administration Major in Financial Management By: Chona E. Maquiñana Lorie May R. Catimbang Jonie E. Mendoza October 2013 APPROVAL SHEET This research paper entitled “Factors that influence the credit availment of Small and Medium Enterprise (SME’s) in Tanauan City” as prepared and submitted by ChonaE. Maquiñana, Jonie E. Mendoza and Lorie May R. Catimbang, in partial fulfillment of the requirement for the degree of Bachelor of Science in Business Administration has been examined and is recommended for Oral Examination. ________________________________ KRISTINE ABIGAIL S. DE LUNA, MBA Thesis Adviser Approved by the Committee on Oral Examination with the grade of __________. PANEL OF EXAMINERS _________________________________ ELISA S. DIAZ, MBA, (DBA Candidate) Chairman ____________________ ___________________ JESSIE S. LEONG, Ph. D. LUCINA S. LAT, MBE Member Member Date of oral Examination________________ Accepted...
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...1.1 Marketing process is the process where the company start analyzing and identifying the potential opportunities of the company selecting the target market, and managing the marketing effort. Marketing process is a series of actions and reactions between the customers and the company. The steps of the marketing process are: Analyzing marketing opportunities It is the first step of the marketing process, and the main goal here is to analyse what kind of opportunities can you have is the market and to identify the customer’s needs and wants and try to satisfy them. This step is useful to understand the environment in which the company is operating and to analyse the long- run opportunities in this market. Marketing analysis is indispensable because it allows the company to get enough information about the competitors, costumers, government, and changes in the environment to be prepared and decide and determine what are their opportunities, Selecting target markets Now the company knows how is the market they will deal, they must be customer centred; they have to know what they want and start competing the costumers with the competitors, but they need to know specifically who are they customers. This process is called market segmentation and is the process where the company define and divide the market into different and smaller groups with different needs and behaviour. And market targeting is the processes of analyse and select one or more of the markets segments...
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...CHAPTER 1 THE PROBLEM AND ITS BACKGROUND Introduction Pawnshops have been around in one form or another for the past 3,000 years. They offer services similar to those of modern banking institutions including loans, consignments, and storage. A good pawn broker buys items for a reasonable price and sells them at a discount. The pawn industry is about making money, and that means repeat business and reasonable dealings. A good pawnshop will carry a variety of items including jewelry, tools, antiques, furniture, knives, guns, crossbows, camping gear, and everything and anything you could imagine being of value and sellable. Some pawn shops even buy and sell cars, motorcycles, and aircraft. In the Philippines Pawnshop Operation is guided/ covered by Presidential Decree No. 114 Sec. 1-2 as: This decree may be cited as the Pawnshop Regulation Act, which stipulated according to that: “ It is hereby declared the policy of the State to regulate the establishment of pawnshops and to place their operation on a sound and stable basis to derive the optimum advantages from them as an additional source of credit; to prevent and mitigate, as far as practicable, practices prejudicial to public interest; and to lay down the minimum requirements and standards under which they may be established and do business...” The word "pawn" comes from the Latin word "pignus," which means to pledge. When someone has an item of worth on which they would like to receive a monetary loan, they take that...
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...International Conference on Technology and Business Management March 18-20, 2013 Digital Inclusion in India: A Case of Mobile Banking Ganesan Parimalarani vini_parimal@yahoo.com Dayananda Sagar Business Academy, Bangalore 1. Introduction Mobile-Banking is a buzz word in the banking sector throughout the world and Indian banks are not exception to it. The liberalization, globalization and privatization of the Indian economy in 1990s paved a more flexible functioning of the services sector and particularly the banking industry. Added to this the adoption of technology in the banking sector has made a remarkable advancement in the service quality of the banks in India. Now bank customers are availing their banking services through internet banking, ATM services and further it has added one more feather to its services by introducing Mobile-Banking to its channel of distribution. Mobile banking is a subset of banking as it allows everyone easy access to their banking activities via., mobile handset (YU&Fang, 2009). Various research findings regarding the penetration of mobile phone, states that the penetration level of mobile in the world is more comparable to that of the banking. The Financial Access Initiative, a research consortium based on New-York University has identified that 2.5 adults worldwide do not have a savings or credit account with either a traditional or alternative financial institution (Chaia, et., 2009). Across the globe the formal banking reaches about...
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