...Financial Services Board (IFSB), the Ar- Rahnu scheme can demonstrate its roles as a viable microcredit product of the financial institution in meeting the different customer requirements. Firstly, it represents a credit channel to those who want to use Ar-Rahnu scheme to obtain financial resources to meet their daily financial requirements; and secondly, it can be a credit channel to those who requires temporary working capital, particularly for small business. The objective of Ar-Rahnu is to create an alternative financing channel to the conventional pawn broking, that is not only more transparent but it also more compliant with Shari’ah principles. Ar-Rahnu is a form of microcredit product the borrower places their valuable assets such as gold or jewellery as collateral for the financing. In conventional pawn broking, the interest is charge based on the loan. On the other hand, Ar-Rahnu has no interest but it charges on safekeeping service. 1.2 BACKGROUND OF THE ORGANIZATION 1.3.1 BANK RAKYAT Bank...
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...Financial Services Board (IFSB), the Ar- Rahnu scheme can demonstrate its roles as a viable microcredit product of the financial institution in meeting the different customer requirements. Firstly, it represents a credit channel to those who want to use Ar-Rahnu scheme to obtain financial resources to meet their daily financial requirements; and secondly, it can be a credit channel to those who requires temporary working capital, particularly for small business. The objective of Ar-Rahnu is to create an alternative financing channel to the conventional pawn broking, that is not only more transparent but it also more compliant with Shari’ah principles. Ar-Rahnu is a form of microcredit product the borrower places their valuable assets such as gold or jewellery as collateral for the financing. In conventional pawn broking, the interest is charge based on the loan. On the other hand, Ar-Rahnu has no interest but it charges on safekeeping service. 1.2 BACKGROUND OF THE ORGANIZATION 1.3.1 BANK RAKYAT Bank...
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...Management 1.0 Executive Summary The main objectives of this study was to choose one determinant that have influence on consumer behavior. There are three sub sections of this study based on the main objectives. First is to discuss the origin and how the determinants influences the consumer. Second is the usefulness of the determinants for marketer in explaining consumer behavior. Third, the specific product that suited the determinant chosen. Next sections will explain in details work undertaken in completing each sections 1.3 Suitable product for the factors Last topic of this study is too choose suitable product based on the factors. In order to decide the product, I will analyze the factor in details to identify the most important aspect. Based on the analysis, I will choose the most suitable product. The aims for this sections is to analyze the relationship between the products and the determinants. In additions, I will choose product from Malaysia industry. This is done through sales and report status on Malaysia news and article. 1.4 Evidence To support subject and topic above, several examples will be given. This examples will be the supporting arguments to either denies or confirm the subject. Evidence will be collected from past research, event and study. Evidence will used to covers all sections of the study, especially on proving the theory and practicality of the determinant. 1.5 Observations and Commentary Observations and commentary will be conducted after...
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...Asia Pacific Journal of Marketing and Logistics Emerald Article: Analyzing key determinants of online repurchase intentions Chai Har Lee, Uchenna Cyril Eze, Nelson Oly Ndubisi Article information: To cite this document: Chai Har Lee, Uchenna Cyril Eze, Nelson Oly Ndubisi, (2011),"Analyzing key determinants of online repurchase intentions", Asia Pacific Journal of Marketing and Logistics, Vol. 23 Iss: 2 pp. 200 - 221 Permanent link to this document: http://dx.doi.org/10.1108/13555851111120498 Downloaded on: 08-10-2012 References: This document contains references to 46 other documents Citations: This document has been cited by 1 other documents To copy this document: permissions@emeraldinsight.com This document has been downloaded 3054 times since 2011. * Users who downloaded this Article also downloaded: * Yu-Hui Fang, Chao-Min Chiu, Eric T.G. Wang, "Understanding customers' satisfaction and repurchase intentions: An integration of IS success model, trust, and justice", Internet Research, Vol. 21 Iss: 4 pp. 479 - 503 http://dx.doi.org/10.1108/10662241111158335 Chao-Min Chiu, Chen-Chi Chang, Hsiang-Lan Cheng, Yu-Hui Fang, (2009),"Determinants of customer repurchase intention in online shopping", Online Information Review, Vol. 33 Iss: 4 pp. 761 - 784 http://dx.doi.org/10.1108/14684520910985710 Hong-Youl Ha, Swinder Janda, Siva K. Muthaly, (2010),"A new understanding of satisfaction model in e-re-purchase situation", European Journal of Marketing, Vol. 44 Iss: 7 pp. 997...
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...the internal/external environment * SWOT analysis in relative comparison to current competitors * Your intended business strategy * Justification to support your intended strategy Sound and Solid Investment MOHAMMAD HATTA & PARTNERS INVESTMENT SERVICES (SAMPLE) ------------------------------------------------- SAMPLE Disclaimer: This is a sample business plan which is prepared as part of the assignment for Strategic Management Class. The reference is made to Public Gold. Some data are fictitious in order to capture the main purpose of this class that is to apply Strategic Management in business - Art & science of formulating, implementing, and evaluating, cross-functional decisions that enable an organization to achieve its objectives. CONTENTS 1. BACKGROUND OF BUSINESS VENTURE 2. EXECUTIVE SUMMARY 3. GENERAL COMPANY DESCRIPTION 4.1. COMPANY OVERVIEW 4.2. MISSION AND VISION 4.3. STRENGTHS AND CORE COMPETENCIES 4.4. CHALLENGES 4. INDUSTRY ANALYSIS Question 1: What Are the Industry’s Dominant Economic Features? Question 2: How Strong Are Competitive Forces? Question 3: What Forces Are Driving Industry Change and What Impacts Will They Have...
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...good quality services to ensure the successful of the organization; in other words, rewards play an important role in creating, building and maintaining the commitment among employees with the purpose to ensure high standard of performances and workforce stability. According to the individual - organizational exchange theme, individuals enter the organization with special qualification and skill, desire and goals, and expect in return a work setting where they can use their skill, satisfy their desire, and achieve their goals (Mottaz, 1988). At the minimum, employees expect their organization to provide fair pay, safe working condition, and fair treatment. (Beer, Spector, Lawrence, Mills, & Walton, 1984). It simply implies that employees offer or increase their commitment when organization meets employees' expectation regarding fulfillment of their important needs. Thus, the exchange perspective explains organizational commitment as a function of work rewards and work values (Lambert, 2000; Mottazz, 1988), and suggests the importance of work rewards for continuously encouraging employees. According to exchange theory and reciprocity norm, employees repay the rewards received from organization through increase commitment to the organization, which reenforce the exchange prevalent in the employee - employer relationship in a mutually beneficial manner (Blau, 1964; Haar and Spell, 2004). In addition, Vroom, V.H (1964) maintained in his expectation theory that everyone works in expectation...
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...2 INTERNATIONAL CONFERENCE ON BUSINESS AND ECONOMIC RESEARCH (2 ICBER 2011) PROCEEDING nd nd SUSTAINABLE COMPETITIVE ADVANTAGE FOR MARKET LEADERSHIP AMONGST THE PRIVATE HIGHER EDUCATION INSTITUTES IN MALAYSIA Loh Teck Hua KDU University College Business School Section 13 Campus, 76, Jalan Universiti, 46200, Petaling Jaya, Selangor DE ABSTRACT One of Malaysia’s economic goals is to become an education hub for the region. To achieve this, the Malaysian government had liberalised government policies resulting in the proliferation of Private Higher Education Institutions (PHEIs) including private Universities and University Colleges. As competition intensifies it becomes increasingly pertinent to ask “What sustainable competitive advantage should the Private Higher Education Institutions (PHEIs) have to achieve market leadership in the Malaysian education industry?” For the smaller PHEIs, it is a question of survival itself. This paper aims to provide a theoretical study of some of the key strategic activities of the leading PHEIs to answer this question. The literature review covering both foreign and local sources indicates three key factors of sustainable competitive advantage, i.e. branding and image, the physical aspects of higher education including location and facilities, and the mode of delivery. The paper will seek to identify these factors amongst the market leaders to ascertain the validity of the secondary data via critical analysis of their activities. The...
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...opening its first store outside of North America in Japan. Opening globally made Starbucks Coffee Company to record total net revenues of USD 9.8 billion for its business sales and operation. One of the Starbucks Coffee Company globally expansion market is Malaysia Food and Beverages Industry. Starbucks Coffee Company expanded to Malaysia in year 1998. The mode of entry of Starbucks Coffee Company to Malaysia expanding and operating its business through the mode of licensing. Berjaya Corporation Berhad is the company that obtained the license to operate Starbucks Coffee Company locally. Berjaya Starbucks Company Sdn. Bhd. Is formed and jointly owned by Starbucks Coffee International and Berjaya Corporation Berhad. Starbucks Coffee Malaysia opened its first store on 17th December, 1998 at KL Plaza Bintang, Kuala Lumpur. The business of Starbucks Coffee Malaysia basically are selling of espresso and coffee beverages, non-espresso and coffee beverages, coffee-related accessories and equipment, gift and merchandise, souvenirs, pastries and confessions. To date, in Malaysia itself, Starbucks had more than 141 stores operating the coffee business, and more than 700 stores across six Southeast Asian markets, including Indonesia, Malaysia, the Philippines, Singapore, Thailand and, most recently, Vietnam. 2. WHAT IS MARKET SEGMENTATION Market segmentation is a process of dividing a market into distinct groups of buyers with different...
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...-------------(((((------------- SUBJECT INTRODUCTION TO BANKING AND FINANCIAL Value of VND compared with ASEAN member currencies? Facts LECTURE: TRAN LINH DANG STUDENTS OF TC201DE01-0100 1. Phan Nguyễn Ngọc Xuân Mỹ 101537 2. Vũ Thị Hường 101574 3. Trương Linh Trang 101579 4. Nguyễn Đỗ Thiên Trang 093304 2012 – 2013 -------------(((((------------- SUBJECT INTRODUCTION TO BANKING AND FINANCIAL Value of VND compared with ASEAN member currencies? Facts LECTURE: TRAN LINH DANG STUDENTS OF TC201DE01-0100 1. Phan Nguyễn Ngọc Xuân Mỹ 101537 2. Vũ Thị Hường 101574 3. Trương Linh Trang 101579 4. Nguyễn Đỗ Thiên Trang 093304 Note for faculty: Date: ___/___/___ For the writer: (Signature & full name) 2012 – 2013 CONTENTS CONTENTS i INTRODUCTION ii I. Exchange rates 1 I 1. Exchange rates 1 I 2. Exchange rate regimes 2 I 3. Roles of exchange rates 3 II. Compare and contrast between the value of VND and the others of ASEAN 5 II 1. The exchange rates in Vietnam from 2008 to 2010 6 II 2. The exchange rates in Vietnam in 2011 8 III. Impacts on exchange rates 10 III 1. Balance of Trade 10 III 2. Balance of Payments 11 III 3. Monetary Policy 12 III 4. Differentials in Inflation 12 III 5. Differentials in Interest Rates 12 III 6. Public Debt 12 III 7...
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...Foreign direct investment And Economic Growth in Bangladesh Internship program at Brac Bank Ltd. Internship Report On “Foreign direct investment And Economic Growth in Bangladesh and Internship program at Brac Bank Ltd.” The Internship report is submitted to the Department of Finance, University of Dhaka for the partial fulfillment of the requirement of BBA program. Submitted to: Department of Finance University of Dhaka Supervised by: Mohammad Jahangir Alam Chowdhury Professor Department of Finance University of Dhaka Submitted by: Zarin Tasnim ID: 17-009 Section: A Department of Finance University of Dhaka Signature of the Supervisor Date of Submission: 7th May, 2015 Letter of Transmittal 7th May, 2015 Mohammad Jahangir Alam Chowdhury Professor Department of Finance University of Dhaka Subject: Submission of Internship Report on Foreign direct investment and Economic Growth in Bangladesh. Dear Sir, It is an absolute pleasure for me to submit the Internship Report titled “Foreign direct investment and Economic Growth in Bangladesh” as a significant part of the BBA program. While making this report, I have experienced a fair knowledge about Foreign direct investment and economy of Bangladesh and its impact on the growth of Bangladesh. I have tried my best to follow your guidelines in every aspect of preparing this report. I have collected what I believed...
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...THE EFFECT OF ENERGY PRICES ON TRANSPORTATION AND STORAGE SECTOR’S EQUITY RETURNS: THE IRANIAN CASE by ABSTRACT The purpose of this study is to examine the effect of oil and gas prices on transportation and storage sector’s equity returns in Iran. To this end, we analyze Iranian transportation and storage sector index for the period from the first week of January 2005 until the third week of March 2010. Based on the multifactor model and using time-series regression, our findings indicate that oil price is not an important determinant of returns in transportation and storage sector. Similarly, the findings suggest that gas price movements do not seem to play a role for transportation and storage sector. However, consistent with the capital asset pricing model (CAPM), the market portfolio is a significant pricing factor in the sector’s stock returns. In addition, the estimated regression indicates that the exchange rate is not priced for this sector’s stock returns. The results of this study help domestic and potential foreign investors to understand the effect of energy price changes on transportation and storage sector stock returns in order to manage their portfolio effectively. KEYWORDS Energy prices, Transportation and storage sector, Equity returns, Iran INTRODUCTION Recent years have witnessed massive price movements of the energy markets. The price of energy has a large impact on economy of the world (Huang et al., 1996; Nandha & Brooks, 2009; Chen et al., 1986; Nandha...
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...3 Industry Analysis: The Fundamentals When a management with a reputation for brilliance tackles a business with a reputation for poor fundamental economics, it is the reputation of the business that remains intact. —Warren Buffett, Chairman, Berkshire Hathaway The reinsurance business has the defect of being too attractive-looking to new entrants for its own good and will therefore always tend to be the opposite of, say, the old business of gathering and rendering dead horses that always tended to contain few and prosperous participants. —Charles T. Munger, Chairman, Wesco Financial Corp. OUTLINE n n n n n INTRODUCTION AND OBJECTIVES FROM ENVIRONMENTAL ANALYSIS TO INDUSTRY ANALYSIS THE DETERMINANTS OF INDUSTRY PROFIT: DEMAND AND COMPETITION ANALYZING INDUSTRY ATTRACTIVENESS Porter’s Five Forces of Competition Framework Competition from Substitutes Threat of Entry Rivalry Between Established Competitors Bargaining Power of Buyers Bargaining Power of Suppliers APPLYING INDUSTRY ANALYSIS Describing Industry Structure Forecasting Industry Profitability Strategies to Alter Industry Structure 66 INTRODUCTION AND OBJECTIVES 67 n n n n DEFINING INDUSTRIES: WHERE TO DRAW THE BOUNDARIES Industries and Markets Defining Markets: Substitution in Demand and Supply FROM INDUSTRY ATTRACTIVENESS TO COMPETITIVE ADVANTAGE: IDENTIFYING KEY SUCCESS FACTORS SUMMARY NOTES INTRODUCTION AND OBJECTIVES In this chapter and the next we explore the external environment of...
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...3 Industry Analysis: The Fundamentals When a management with a reputation for brilliance tackles a business with a reputation for poor fundamental economics, it is the reputation of the business that remains intact. —Warren Buffett, Chairman, Berkshire Hathaway The reinsurance business has the defect of being too attractive-looking to new entrants for its own good and will therefore always tend to be the opposite of, say, the old business of gathering and rendering dead horses that always tended to contain few and prosperous participants. —Charles T. Munger, Chairman, Wesco Financial Corp. OUTLINE n n n n n INTRODUCTION AND OBJECTIVES FROM ENVIRONMENTAL ANALYSIS TO INDUSTRY ANALYSIS THE DETERMINANTS OF INDUSTRY PROFIT: DEMAND AND COMPETITION ANALYZING INDUSTRY ATTRACTIVENESS Porter’s Five Forces of Competition Framework Competition from Substitutes Threat of Entry Rivalry Between Established Competitors Bargaining Power of Buyers Bargaining Power of Suppliers APPLYING INDUSTRY ANALYSIS Describing Industry Structure Forecasting Industry Profitability Strategies to Alter Industry Structure 66 INTRODUCTION AND OBJECTIVES 67 n n n n DEFINING INDUSTRIES: WHERE TO DRAW THE BOUNDARIES Industries and Markets Defining Markets: Substitution in Demand and Supply FROM INDUSTRY ATTRACTIVENESS TO COMPETITIVE ADVANTAGE: IDENTIFYING KEY SUCCESS FACTORS SUMMARY NOTES INTRODUCTION AND OBJECTIVES In this chapter and the next we explore the external environment of...
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...STRATEGIC MARKET PLANNING & IMPLEMENTATION Sugar & Spice : Healthy HomeCooked Meals Delivery EXECUTIVE SUMMARY Sugar and Spice is a catering and food delivery company that focuses on healthy, home cooked meals with lots of delicious choices on its menu to tantalize our customers' taste buds. With Sugar and Spice, customers will enjoy a rich variety of delicious meal that is different everyday. The daily selection of dishes includes fresh seafood, meat and vegetable, which will be prepared and served in hygienic condition. Our target customers are mainly working professionals from government offices and private offices as well as students in Putrajaya and Cyberjaya areas. In line with our 'green' effort, we will pack all the food in high quality disposable and microwavable container. Strategic Market Planning & Implementation Page 2 Sugar & Spice : Healthy Home-Cooked Meals Delivery TABLE OF CONTENTS I SITUATIONAL ANALYSIS 1.0 2.0 3.0 4.0 5.0 COMPANY PROFILE ……………………………………………….. 4 PRODUCT INTRODUCTION ………………………………………. 6 MARKET ANALYSIS ………………………………………………. 11 SWOT ANALYSIS ……………………………………………………. 14 COMPETITION ANALYSIS …………………………………………17 II MARKETING STRATEGY 6.0 7.0 8.0 MARKETING OBJECTIVES ………………………………………. 18 FINANCIAL OBJECTIVES ………………………………………… 19 SEGMENTING, TARGETING & POSITIONING (STP) ANALYSIS …………………………………………………………… 20 9.0 MARKETING STRATEGY ………………………………………… 22 III FINANCIAL STATEMENTS & FORECASTS 10.0 11.0 BREAK EVEN ANALYSIS …………………………………………...
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...I. HISTORY OF DEVALUATION OF INDIAN RUPEE (INR) AND ITS IMPACTS ON INDIAN ECONOMY In a fixed exchange rate regime the term ‘Devaluation’ is used. It means a deliberate downward adjustment of a country's official exchange rate by its government i.e. central bank (RBI in India) relative to other currencies; Where as in floating or fluctuating exchange rate currency's value is allowed to fluctuate according to the foreign exchange market. In this case, it is known as Depreciation. There are two implications for currency devaluation. * First, Devaluation makes a country's exports relatively less expensive for foreigners and * Second, it makes foreign products relatively more expensive for domestic consumers, discouraging imports. As a result, this may help to reduce a country's trade deficit. Revaluation: This term is used in a fixed exchange rate regime; it means a deliberate upward adjustment to a country's official exchange rate relative to other currencies. In floating exchange rate, it is known as Appreciation. The Liberalized Exchange Rate Management System (LERMS): LERMS was introduced in March 1992 involving the dual exchange rate system in the interim period. The dual exchange rate system was replaced by a unified exchange rate system in March 1993. History of Devaluation The Indian rupee, which was on par with the...
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