...Wrights of Howth BABS III Stephan Schibalsky Illustration 1 : Wrights of Howth Logo Illustration 1 : The Wrights of Howth…………………………………….....1 Illustration 2 : PESTEL……………..……………………………………......4 Illustration 3 : Marketing Mix.…….………..………………….…….............7 II Table of Content 1. Introduction……………………………………………………………………………….............1 1.1 Purpose of the document……………………………………………………………...1 2. Market Selection.................................................................................................................2 2.1 The European Salmon Market..............................................................................2 2.1.1 Germany……………………………………………………………………...2 2.1.2 France………………………………………………………………………...2 2.1.3 Spain …………………………………………………...….………………....2 2.1.4 Conclusion…………………………………………………………………....3 3. Identification of international marketing issues faced by the firm……………………….......4 3.1 PESTEL………………………………………………………………………………….4 3.1.1 Political…………………….......................................................................5 3.1.2 Economi……………………………………………………………………….5 3.1.3 Social…...................................................................................................5 3.1.4 Legal………………………………….........................................................5 3.1.5 Conclusion…………………………………………………………………….6 4. International Marketing Mix……………………………………………………………………....7 4.1 Product.................................................................................
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...FINANCIAL LITERACY AS A TOOL OF FINANCIAL INCLUSION A SUMMER INTERNSHIP REPORT Submitted by KHUSHBOO VERMA Registration No: 11400462 In partial fulfillment of Summer Internship for the award of the degree of MASTER OF BUSINESS ADMINISTRATION School of Business LOVELY PROFESSIONAL UNIVERSITY Phagwara, Punjab July, 2015 1 ACKNOWLEDGEMENT: I am very much obliged to Mr. Vikram Jain (Chartered Accountant) for his valuable suggestion to take up the project in Appu International Ludhiana. This project report could not complete without the guidance of Mr. Vikram Jain and their timely help and encouragement helped me to complete this project successfully. I am thankful to Vikram Jain for their suitable guidance at every stage of my training. I thanks to Mrs. Rimpy, Sangeeta jangra. And miss. Pushpa Mehta for giving me opportunity to work at Accounts, Records, purchases and sales items maintained of Appu International as a finance trainee. 2 (INDEX):Chapters Name Page No. 1. Executive Summary 7 2. Industry Introduction 8-9 3. Organization Introduction 10-19 4. Literature Review 20-23 5. Introduction To Financial Literacy As A Tool Of 24-33 Sr. No. Financial Inclusion 6. Hypothesis 33-34 7. Research Methodology 35-39 8. Result And Discussion 40-73 9. Finding 74-77 10. Suggestion 78-79 11. Limitation 80 12. Future Scope 80 13. ...
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...International Journal of Accounting and Financial Reporting ISSN 2162-3082 2014, Vol. 4, No. 2 Causes of Tax Evasion in Pakistan: A case study on southern Punjab Waseem Ahmad Khan (Corresponding author) Lecturer, Department of Management Sciences, The Islamia University of Bahawalpur, Pakistan E-mail: waseemkhan_hcbf@yahoo.com, Tel: +92-333-3133540 Prince Fawad Ahmad Student, Department of Management Sciences, The Islamia University of Bahawalpur, Pakistan Accepted: October 15, 2014 DOI:10.5296/ ijafr.v4i2.6484 URL: http://dx.doi.org/10.5296/ ijafr.v4i2.6484 Abstract Introduction: Tax evasion is main problem in Pakistan due to which Pakistan remains under a lot of stress. Tax evasion results in less revenue. Many causes have been discussed which play major role in tax evasion in Pakistan. It is a primary research. Literature review: Many authors have discussed impacts of tax evasion in different sectors of economy. Previously tax evasion cause major trouble in Tanzania & Greece. Methodology: A questioner has been filled by targeted population of 100 Professionals & Business students of Department of Management Sciences Islamia University of Bahawalpur. Questioner was consisted of 5 major parts i.e. Tax System, High rate, Go with the flow, Corrupt Govt. & Progressive taxation. Findings: Most of the population agrees that these causes play a vital role in the tax evasion in the Pakistan. Conclusion: Tax evasion is main problem of Pakistan which...
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...Problem Statement Bank of America is struggling to position their mobile banking service in the continuously changing industry. The bank already has a mobile application but is evaluating if they should add more features to this app and how this will affect their clients. Situation Analysis Company • Bank of America is the largest U.S. bank holding company; it was founded in 1904 and expanded with several acquisitions. • By the end of 2009 BoA was the leader in the market, serving 82% of the US population (over 53 M customers) and positioned number one in online and mobile banking. • Very strong and best-managed banks before the crisis which brought losses and a very strong drop in stock price. • Mobile banking was launched in 2007 and in less than 3 years they have 4 million customers using the service. Customers • Chose their bank based on low account minimums, competitive rates and convenient locations. • In 2009 10 million consumers used mobile banking and this was expected to grow to 37 million by 2014. • Customers willing to use mobile banking are not the same as online users. • Security issues, low value and cost of data access were the primary reasons why customers would not use mobile banking. • Debit card holders were the most active users because of the convenience of checking their account balances at any time. • They are reluctant to try a new banking service if it represented an extra cost and were also afraid of losing control of their finances...
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...MHC608 Business Ethics for Hospitality Contents Introduction: 3 An overview of Bulgaria’s refugee’s crisis: 4 Stakeholders and Typology theories: 4 Definition of Stakeholders: 4 A typology theories of stakeholder: 4 Types of stakeholders: 5 Ethical Framework: 5 Applying stakeholder theories to this Bulgaria case: 5 Refugees: 5 Bulgarians: 6 European Union: 7 IS-terrorist attacks: 8 Apply the ethical approach into the view of the Bulgaria’s government: 8 Conclusion 10 REFERENCE: 10 Introduction: As we can see that ethics is perceived in different angles and aspects but it is, undeniably, an important role of ethics in our life. According to Noel Preston (2001, p.18) ethics indicates the general views of what is right, fair or good. It is also the core values, rules which we use to make our choices and actions. Similarly, (Boardman, 2005) said that ethics is applied naturally for many areas such as our own lives, business and an organisation. In our daily lives, making decisions and actions seem to be driven or motivated from/ by the certain standards or values. Furthermore, ethics target on evaluating the right or wrong behaviours of both individuals and the good or bad performance of an organisation. This report will evaluate the ethical approach which Bulgaria government uses to make the fence-line decision. This paper will be divided into four parts. The first part is going to summary the Bulgaria cases. The next part will come up with...
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...back 6 Checking your readiness 12 Case studies 13 Action points 15 2 Finding Ideas 16 Looking right in front of you 16 Cashing in on change 17 Carving a niche 18 Acquiring commercial skills 20 Working on your self-esteem 20 Choosing a trading name 21 Checking your readiness 24 Case studies 24 Action points 26 3 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 ...
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...Running head: BYSTANDER APATHY Bystander Apathy: Why does it happen and what could help prevent it? Michelle Jofen Y.N.R. Institute for Marriage and Family Therapy Studies BYSTANDER APATHY 1 What is meant by the term "Bystander effect"? The term "Bystander effect" refers to a phenomenon in which the greater the number of people present, the less likely people are to help a person in distress. Research into this tendency stemmed from a murder case from 1964. On March 13th, 1964, 28 year old Kitty Genovese was raped and stabbed to death in front of her apartment complex by Winston Moseley. The attack lasted over 30 minutes and was witnessed by numerous neighbors. At one point Genovese screamed, "Oh my God, he stabbed me! Help me!" One of the neighbors shouted at the attacker, "Let that girl alone!" Moseley ran away and witnesses observed Moseley enter his car and drive away, only to return ten minutes later. He searched for and eventually found Genovese, who was lying in a hallway at the back of the building where a locked doorway had prevented her from entering. He then further attacked Genovese, stabbing her several more times and raping her as she lay dying. Later, some onlookers stated that they thought they were overhearing a "lovers quarrel" whilst others, who realized that they were witnessing a crime but failed to...
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...Pg2Pg2 Dr. Sue Greener Business Research Methods ...
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...INNO NATOUR. Lesson learnt from Innovation in Nature Based Tourism Services Contact: Faculty of Economics and Public Administration „Stefan cel Mare” University of Suceava Universităţii str., no. 13, Building H 720229 SUCEAVA, ROMANIA Phone: (+40) 230 216147 ext. 294 Erasmus IP web site: www.innonatour.usv.ro Faculty web site: www.seap.usv.ro University web site: www.usv.ro 2012 Subject to the provisions of relevant collective licensing agreements, no reproduction of any part may take place without written permission of the copyright owners. CONTENTS INTRODUCTION............................................................................................................................................ 5 DESCRIPTION OF THE PROJECT.............................................................................................................. 8 STUDENTS OF THE 20112012 ERASMUS IP ...................................................................................... 9 LECTURERS, TUTORS AND EXPERTS OF THE 20112012 ERASMUS IP ................................. 10 RESULTS OF THE ERASMUS IP INNO NATOUR 20112012......................................................... 19 FINAL REPORTS OF THE WORKING GROUPS .................................................................................. 20 INDIVIDUAL POST CASE STUDIES OF THE STUDENTS ................................................................. 44 CONCLUSIONS AND IMPLICATIONS ......................................
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...chanical, photoco opying, recordin scanning ng, or otherwise, except as permi itted under Sections 107 or 108 o the 1976 Unit States of ted Copyright Ac without either the prior writte permission of the Publisher, o authorization t ct, r en f or through payment of th appropriate pe he er-copy fee to th Copyright Cle he earance Center, I Inc., 222 Rosewo Drive, ood Danvers, MA 01923, website www.copyright A e t.com. Requests to the Publisher for permission should be r addressed to t Permissions Department, Joh Wiley & Son Inc., 111 Rive Street, Hobok NJ 07030the hn ns, er ken, 5774, (201)74 48-6011, fax (20 01)748-6008, we ebsite http://www w.wiley.com/go/ /permissions. To order book or for custom service, pleas call 1(800)-CA ks mer se ALL-WILEY (2 225-5945). Printed in the United States of America. e o ISBN 978- 0-470-56516-2 The Financial Crisis: 2007-2009 Objectives Understand the major influences that led to the 2007 2009 Financial Crises Describe the role that agency cost issues played in the financing of mortgages to developing mortgage backed securities and other financially engineered securities based on mortgages Describe the timeline of events that unfolded during the financial crisis Explain how financial managers must consider the risk, not only the return potential, of their activities Discuss the role of government intervention in the context of economy theory and practice INTRODUCTION How did the...
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...from technology. In most cases this is not a problem though. Many people respect and admire technology because it is there to benefit them. Without the technological advances we have had over the years, the world would not be what it is today. What people don’t understand is that technology can actually be a bad thing. In society today, people are looking for more and more ways to be entertained, and all it is doing is causing problems. People are doing less and less thinking and more and more watching, listening, and playing, all because of technology. Forms of entertainment like the Internet, television and even video games seem harmless to people, but they are really not. When the Internet was first introduced, people never thought it would be as big as it is today. The Internet is an easy to use technology that can do just about anything. But what people understand is that the Internet is not all good. Much of the information posted on sites on the Internet is merely opinions, not factual information. When people look at this information, it looks and seems like trustful information, but most of the time, it is not. Although the Internet is a relatively new technology television has been around for about fifty years. There are many problems with television though, mainly with the content of the shows. Many of the shows on television portray violence, drugs, sexual activity, and profanity. People who watch these shows see what the actors and actresses are doing...
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...(Friedman & Schustak, pgs. 70-76). Freud felt that most adult challenges originated with a fixation at one of these stages. If I were on Freud�s couch, he might notice my on-going pursuit or �intake� of learning and new ideas. He might spend some time probing about my relationship with my mother and learn that she was often pre-occupied (with stress, divorce, new marriage, etc.) during my early development. He would discover that I am still seeking a connection with her, in many ways, as an adult. Freud might interpret that I am fixated at the oral stage and that my mother�s inconsistent responsiveness makes me continue to seek mothering and validation in the form of instruction and grades. In addition to his psychosexual analysis, Freud utilized the unconscious and structures of the psyche (id, ego, superego) to assess his patients (Friedman & Schustak, pg. 67). In this context, Freud would likely say that I am superego driven. I have always been very focused on trying to do what is �right.� Freud might draw a connection to my oral fixation and say that I am still seeking validation from my mother through obsessively socially acceptable behavior. I want to be loved by her and demonstrate appropriate behavior to gain her approval. Similarly, Freud might say that I am cautious of missteps because I fear doing anything that might make her disappointed in me. Throughout much of my life, I worked hard to maintain a socially acceptable image, despite having...
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...EVOLUTION Helping Suppliers Automotive supplier Delphi launched the Quality Focus Supplier (QFS) initiative In 2003. This eight-step program is designed to encourage and enable suppliers to embrace a culture of zero defects and continuous improvement through an unrelenting focus on quality. The results to date have been impressive: a dramatic reduction in nonconforming parts, in problem cases, and in negative impacts to Delphi's facilities or to its customers. to Focus on By Bill Clark, John Chang, and Marcus Chao ays custoincrs bave come to expect levels of quality and delivery that ahnnsi unheard ot a generation ago. Nowbcrc is tbat more evident than in tbe aiBomotive industry, wbere ear buyers cannot escape the blizzard ol t|uality and reliability studies (rom Consumer R^^iorfs, J.I). Powers & Associates, and a host o( comparative Internet sources. At Delphi, we tully embrace tbe higber cxpeetations ot tbe industry and our customers. Our entire organization is committed to excellence and driven not jusl to meet, but to exceed our customers' expectations. We want to be OLir customers' best supplier, and a key element in acbieving tbis is to make sure tbat our culture, including our supply base, bas a "zero-defect" mentality. Tbis means perfection in all that we do: perfect planning, perfect execution, perfect communications, and perfect parts, Tbe ex]iectation is to bave zero quality incidents and zero disruptions. Tbis means providing our eustomcrs uitb...
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...September 25) PERSONALITIES OF THE WEEK Christine Lagarde Sachin Bansal CORPORATE INTELLIGENCE BIG THREE MANAGEMENT CONSULTANCIES NEWS DIGEST… BUSINESS NEWS GLOBAL NEWS MISCELLANEOUS NEWS Wal-Mart plans to open its first outlet in India within 12-18 months More than two-thirds in USA live pay check to pay check Foxconn unit in China closes after workers clash ECONOMIC INDICATORS 2 COVER STORY 3 PERSONALITIES OF THE WEEK 4 CORPORATE INTELLIGENCE 5 NEWS ANALYSIS 6 JOB PROFILE 11 PART TWO KNOW YOUR BASICS: DATA ANALYTICS KNOW YOUR BASICS: DATA ANALYTICS D ata analytics (DA) refers to examination of raw data for drawing meaningful conclusions usually with the help of the latest IT tools. DA is categorised into exploratory data analysis (EDA) and confirmatory data analysis (CDA). EDA refers to finding new features in the data (similar to data mining) while CDA is used to examine the validity of existing hypotheses. There‟s another category known as Qualitative data analysis (QDA) which is generally used in the social sciences to draw conclusions from non-numerical data like words, photographs or video. The term "analytics" has been used by many business intelligence (BI) software firms as a keyword to describe quite different functions. Data analytics is used to describe everything from online analytical processing (OLAP) to CRM analytics in call centres. Banks and credit cards companies, for instance, analyze withdrawal and spending patterns to...
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...Licensed to: iChapters User Eugene F. Brigham UNIVERSITY OF FLORIDA Joel F. Houston UNIVERSITY OF FLORIDA Copyright 2011 Cengage Learning. All Rights Reserved. May not be copied, scanned, or duplicated, in whole or in part. Due to electronic rights, some third party content may be suppressed from the eBook and/or eChapter(s). Editorial review has deemed that any suppressed content does not materially affect the overall learning experience. Cengage Learning reserves the right to remove additional content at any time if subsequent rights restrictions require it. Eugene F. Brigham UNIVERSITY OF FLORIDA Joel F. Houston UNIVERSITY OF FLORIDA Copyright 2011 Cengage Learning. All Rights Reserved. May not be copied, scanned, or duplicated, in whole or in part. Due to electronic rights, some third party content may be suppressed from the eBook and/or eChapter(s). Editorial review has deemed that any suppressed content does not materially affect the overall learning experience. Cengage Learning reserves the right to remove additional content at any time if subsequent rights restrictions require it. Licensed to: iChapters User This is an electronic version of the print textbook. Due to electronic rights restrictions, some third party content may be suppressed. Editorial review has deemed that any suppressed content does not materially affect the overall learning experience. The publisher reserves the right to remove content from this title at any time...
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