Wednesday, August 26, 2020
Activities and Supply Chain Management ESMT Case Study British Airways: A Journey in Procurement Transformation Q1Ã In the case what are the difficulties looked by the acquisition bunch in coming 2 years ahead? There are a few difficulties the acquirement bunch looked somewhere in the range of 2004 and 2006. Above all else, staying aware of the accomplishment of the previous years, particularly the expense and execution enhancements and furthermore keeping financial specialists upbeat (consistent increment of offer cost since the start of 2003).Secondly, the obtainment bunch was to confront difficulties while excusing the quantity of providers, building cross business adjustment to build up a uniform sourcing process, lessen spending and utilizing it. The turn out of extra instruments of AribaÃ¢â¬â¢s spend the executives arrangement, which should cover all spend classifications was another test. Since it before all else just comprised of a little gathering of providers stretched out over the coming month, which may prompt challenges when attempting to build similarity with favored providers. Those will be diminished to 2000, which will make it simpler to oversee them and furthermore to create legitimate sourcing systems. Anyway incorporating the diverse Ariba framework instruments spoke to another test, and was imperative to ensure that requests depend on the equivalent concurred terms. Moreover the acquisition bunch intended to alter indexes. The difficulties it looked here were to make requesting easier, bolster exchanges with favored providers, decline receipt jumbles, accelerate endorsements and advance demand accuracy.In expansion to this another future test was to rollout to abroad activities and auxiliaries. This would mean another decrease in representative headcount in different divisions and could lead again to protection from change among workers. In this manner change the board would be a fundamental instrument to handle this test, while the specialized piece of the turn out ought not be an issue. Q2 What were the arrangements proposed and how could they address the issues confronted? Arrangements proposed were to adjust to a nonexclusive sourcing process.Initially it comprised of five tollgates. Later it was decreased to three tollgates, as a result of substantial outstanding burden looked by the people in control (External Spend Group) during the audit procedure, which would have undermined the significant level of proficiency. It upheld an increasingly organized, straightforward and mindful work process, buying procedure and cost controlling. It tended to the up to that point liberal administration of purchasers, who now and then could approved spending up to ? 1 million without endorsement by managers. Adjusting to another sourcing procedure additionally intended to rebuild BAÃ¢â¬â¢s authoritative buying process. So as to do as such, extra programming for value-based buying of administrations and items was presented. Up to that point this procedure occurred through extremely asset escalated strategies. At the time the required programming was still going to create and it required some investment to locate the correct one. This new programming from (Ariba Buyer) should fill the hole of productively (time and cost) buying in the acquirement procedure, which existed in this area.It ran on an outer Internet stage, which empowered BA to set up working arrangements all the more rapidly. With its capacity to join a few administration abilities and to halfway deal with the parts of the acquisition procedure the framework tended to the issues beginning through the prior referenced hole. Another issue looked by BA during the execution of the acquirement change program was the protection from this new procedure and to utilization of the product in all areas.It was a steady issue since the quest for acquisition process programming and simultaneously continuous employment cuts of the Ã¢â¬Å"Future Size and ShapeÃ¢â¬ activity in the year 2000. After three years BA began to handle the issue by demonstrating the benefits of Ariba Buyer, offering support (e. g. call place for purchasers) and preparing (Ã¢â¬Å"Learning ProgrammeÃ¢â¬ ). An effective apparatus turned into the Ã¢â¬Å"Z-cardÃ¢â¬ . It was a little enough card to be hefted around all over the place and clarified in pictures and straightforward language the means of the new procedure and technique. It likewise clarified how this new advancement fit with the Ã¢â¬Å"Future Size and ShapeÃ¢â¬ activity. Q3Ã What signs are there that the progressions worked? 1999-2004 In 2003, a fast increment of key obtainment forms indicated that the usage of the five tollgates had worked. Additionally the help administrations for purchasers like the get focus ended up being a triumph with more than 100 calls for every day. The adjustment in obtainment system and procedure had likewise a positive effect on the main concern. Acquirement investment funds had consistently expanded since the beginning of the change in 1999.In 2001/2002 the new improvement lead to reserve funds of about ? 50 million. Only three years after the fact in 2004/2005 it had expanded by multiple times to ? 200 million of reserve funds. With such an improvement the expense for Ariba Buyer was returned in only five months. Another sign that the progressions worked demonstrated quick increment of requests trough the Ariba Buyer framework in the second 50% of 2003. A few extra advantages showed that the progressions had worked. For example, progressively straightforward spending, which shows an ascent in orders prepared through Ariba Buyer.This likewise diminished the measure of providers utilized up to that point by 63% in 2003. Another expansion was recorded in contract consistence, where favored providers began to turn out to be a piece of the day by day business, not simply lessening off agreement spending and bringing about lower costs for merchandise and ventures bought, yet additionally decreasing regulatory endeavors through less agreements. With better data on buying spend, it was conceivable to investigate which sum was spend for which provider and item. This empowered the acquisition gathering to begin utilizing buying power and along these lines spare expenses in various regions like in-flight cooking in the US (15%), ground fuel at the London air terminals (22%) and group settlement in the US (17%). Additionally inside handling costs have been diminished, with a positive effect on mistake rates, exchange cost (diminished by 48%) and request preparing time, with the majority of the requests being executed electronically. This gives workers more opportunity to focus on esteem include exercises, prompting higher representative efficiency. Since the work process had been upgraded less workforce was needed.Therefore BA had the option to diminish headcount utilized particularly in acquirement and safe extra expenses. Q4Ã What could have been done another way? The obtainment group ought to have been thorough about the utilization of Ariba Buyer directly from the earliest starting point at the usage of the product. This could have been f inished by intently observing the use of the product by purchasers, yet in addition by ensuring that representatives really realize how to utilize it and what the reason for the product is. This could have been effectively accomplished via preparing workforce and supporting the product directly from the earliest starting point as ell. The time taken until strengthening measures (like in 2003 for more tight NDI controls) was excessively long. During this time purchasers were excessively enormously enabled with a lot of opportunity about their dynamic. Additionally the presentation of the tollgates came late all the while and ought to have been as of now set up when the new programming was propelled. The individuals in control ought to have likewise been proactive with advancing the acquisition change program directly from the earliest starting point among workers, by presenting the expectations and objectives something like the Ã¢â¬Å"Z-cardÃ¢â¬ directly at the beginning.This would have diminished opposition against the change. Likewise one ought to have thought picked an alternate opportunity to present the Ã¢â¬Å"Future Size and ShapeÃ¢â¬ activity, which at the t ime was simply one more change and caused extra obstruction. The beginning of this activity directly toward the start of the obtainment change program would have been something more. Or on the other hand one ought to have held up until individuals have acclimated to the underlying changes and afterward concoct this plan.
Saturday, August 22, 2020
Pride and Prejudice composed by Jane Austen in the nineteenth century, recounts to the tale of a high society man Mr. Darcy over coming his pride, to become hopelessly enamored with working class Elizabeth Bennet, who consents to wed him subsequent to getting over her own biased issues. The story is set in the mid 1800Ã¢â¬â¢s in England, when class and social request were significant, and individuals wedded for cash and economic wellbeing. Austen has composed the book to scrutinize and make jokes about a portion of these strange qualities in a mocking manner, and positions the peruser to see that marriage isnÃ¢â¬â¢t about cash or economic wellbeing, yet genuine romance. Through the way Jane has composed the story and developed the characters, as a peruser we are situated to react pleasingly to the manners by which she has spoken to thoughts and depicted generalizations and customs dependent on the social standings and issues of the regime time. In Pride and Prejudice, one of the fundamental topics centers around marriage. Austen accepts that marriage ought to be for affection, not for monetary and social solidness. Austen has built comparing couples to depict how couples that wed for genuine romance proceed to adore and live joyfully, while couples who wed for cash and status end up hopeless. There are a few characters in the novel that wedded for money related and social prosperity; Charlotte Lucas and Mr. Collins, Mr. Wickham and Lydia and Mr. also, Mrs. Bennet-all built with antagonistic character qualities. At the point when Mr. Collins visits the BennetÃ¢â¬â¢s house at Longburn-where he is beneficiary to the domain, he is looking for a spouse ideally a Bennet sister as he feels somewhat regretful as they will be kicked out of their home when their dad passes on and he will acquire the home. At the point when Mr. CollinÃ¢â¬â¢s first proposes, it is to Lizzy, and his thinking is totally deficient with regards to feeling and depends on Ã¢â¬Å"logic and convenienceÃ¢â¬ , as he clarified Ã¢â¬Å"My purposes behind wedding seem to be, first, that I think it a correct thing for each minister in simple conditions (such as myself) to set the case of marriage in his area. Besides, that I am persuaded it will add extraordinarily to my bliss; and thirdly Ã¢â¬ which maybe I should have referenced before, that it is the specific exhortation and suggestion of the extremely respectable woman whom I have the pleasure of calling patroness. This discourse shows that he is just considering his picture a priest, and how he would satisfy Lady Catherine and help out the Bennet family simultaneously. It was not love that would add to his bliss however more that he was accomplishing something respectable and would be found in a decent light by others. Austin depicts this assessment of the period further when the peruser perceives how aloof Mr. Collins is, after LizzyÃ¢â¬â¢s gracious Ã¢â¬Å"no thank youÃ¢â¬ , he constantly asks her, before at long last surrendering and after three days getting connected with to LizzyÃ¢â¬â¢s closest companion, Charlotte Lucas. Charlotte who had purposely focused on Mr. Collins, supporting him after he is declined by Lizzy, was 27 years of age, and thought it was profoundly far-fetched she would improve offer of marriage. As she talked about with Lizzy, she was wedding for budgetary security and accepted that Ã¢â¬Å"Happiness in marriage is altogether a matter of possibility. Ã¢â¬ When Charlotte saw LizzyÃ¢â¬â¢s stunned face as she reported her commitment she reacted with Ã¢â¬Å"Oh, quiet. Not we all can stand to be sentimental. I've been offered an agreeable home and security. There's a great deal to be grateful for. This gives us that however Charlotte was an insightful woman, she had an even minded way to deal with marriage with no feeling of sentimental fascination in Mr. Collins-that she Ã¢â¬Å"accepted him exclusively from the unadulterated and uninvolved want of an establishmentÃ¢â¬ . When Lizzy visits Charlotte at her home in Kent, she fundamentally discloses to Lizzy that she attempts to dis pose of her significant other by sending him cultivating and off on pointless outings limiting the time they spend together. Austen is demonstrating us the absurdity of them wedding for standardized savings and how in their relationship they scarcely even address one another. As a peruser, we are urged to see the marriage between Mr. Collins and Charlotte as a prime model in supporting AustenÃ¢â¬â¢s center around the possibility that marriage ought to be for affection not money related and social asylum. Austen has situated perusers to consider these to be as the logical thinkers of the novel. Perusers are not so much urged to like these characters. Austen leaves us, as perusers, regarding LizzyÃ¢â¬â¢s choice to wed for affection and feeling scorn and scorn for Mr. Collins and Charlotte and their decision to have a cold, troubled marriage. In Pride and Prejudice, Austen has portrayed Mrs. Bennet and her little girl Lydia as senseless, uproarious and negligible characters, genuine instances of the silly conduct and qualities found in a portion of the center/high society ladies. Austen has portrayed these characters to permit us as a peruser to see them as ludicrous contrasted and Lizzy. Mrs Bennet is appeared as a discourteous tyrannical mother, whoÃ¢â¬â¢s sole desire in life is to get her five little girls wedded into the best money related and social position conceivable. At the point when a solitary rich man Mr. Bingley shows up in Netherfield, Mrs. Bennet is determined to getting her oldest little girl Jane to wed him. When Jane is welcomed over to the BingleyÃ¢â¬â¢s, her mom requests Ã¢â¬Å"Ã¢â¬ You would be advised to go riding a horse, since it appears to probably rain and you should remain all nightÃ¢â¬ . When Jane falls wiped out, and should wait at the BingleyÃ¢â¬â¢s, Mrs. Bennet is supported in light of the fact that Ã¢â¬Å"As long as she remains there, it is all very wellÃ¢â¬ . This shows Mrs. Bennet doesn't consider her daughterÃ¢â¬â¢s wellbeing, just about her most obvious opportunity with regards to wedding and increasing a rich legacy. Lizzy who thinks her mom is been silly, snidely remarks Ã¢â¬Å"If Jane should pass on; it would be solace to realize that it was all in quest for Mr. BingleyÃ¢â¬ . Austen has utilized this line, to help build up the image that we as perusers comprehend that Mrs Bennet is silly, ravenous and her needs with respect to her daughterÃ¢â¬â¢s wellbeing and marriage are jumbled. Anyway as an elective perusing, we could decipher that Mrs. Bennet as just attempting to support her little girls, as center/high society ladies would be considered ineffectively, on the off chance that they found a new line of work, and in the event that they had no legacy, there would be no cash source; so it was vital that they got hitched at a youthful age to make sure about monetary security. Anyway Austin composes LizzyÃ¢â¬â¢s character as beating these issues without this silliness. As referenced Lydia Bennet, similar to her mom is noisy, unimportant and regularly a shame to her family. She is the most youthful of the Bennet sisters at just 15 and is depicted as juvenile, senseless and credulous. Being the most loved of her mom, (as they are both so indistinguishable) Lydia is spoilt and has never truly been instructed the proper behavior or carry on out in the open. So when Lydia is offered consent to leave to Brighton, Lizzy isn't content, contending with her dad that Ã¢â¬Å"Ã¢â¬ Our significance, our decency on the planet, must be influenced by the wild unpredictability, the affirmation and scorn of all limitation which mark Lydia's character. This gives us as perusers, a gander at how she is seen by good individuals in the public eye through LizzyÃ¢â¬â¢s exchange we are urged to think the equivalent. Lydia is additionally coquettish, as Lizzy proceeds to portray her as Ã¢â¬Å"A be a tease, as well, in the most exceedingly terrible and meanest level of tease; with no fascination past youth and a middle of the road individual; and from the numbness and void of her mindÃ¢â¬ . Through different peopleÃ¢â¬â¢s depictions of Lydia, we as perusers disdain her humiliating and hasty disposition. At the point when Lydia runs off with Mr. Wickham, she puts the family name shredded and doesn't in any event, recognizing the dishonorable thing she had done. The message that Jane Austen is attempting to show is that the Regency Era had such exacting and silly practices, qualities and class disparities. Through utilizing ironical methods she has urged us as perusers to react by loathing the exaggerations of Mrs. Bennet and Lydia, as they help speak to the absurdity of the general public during that period. Pride and Prejudice, by Jane Austen is a sentimental novel, which difficulties and deri des the period wherein it was composed, the mid nineteenth century. Austen, has utilized ironical language and incongruity as principle abstract procedures, to help structure the thoughts of how she saw the general public. JaneÃ¢â¬â¢s point of view was that marriage ought to be for adoration, not money related security, and that economic wellbeing and class; including their jobs, qualities and habits, had an excessively significant influence in characterizing the general public. Through the over misrepresentation of clichÃ© individuals from this period, Austin has effectively set us to decipher the characters, thoughts and messages of the book to her comprehension. As perusers, we are constrained to abhorrence and chuckle at a considerable lot of the characters talked about, as they speak to the negatives of period. Austen has effectively built this novel through these negatives and the positive qualities of Lizzy and Mr. Darcy to guarantee, that the crowd is convinced to feel unequivocally and concur with Austen on the messages that marriage ought not be for social and money related soundness, and that the general public ought not rotate around class and economic wellbeing.
Friday, August 21, 2020
A Sorting Hat of Sorts Ahh summer. The fresh air. The copious amounts of free time (HA!). The Temporary Housing Assignments. Hard to believe that it was years ago I received my temporary housing assignment (Simmons), and since being at school Ive lived in many different parts of the housing system (West Campus, East Campus, Off-Campus). And from those experiences I think its worth saying that for me at least, where you choose to live can be hugely important for your health and happiness, as well as your academic success. Thankfully the MIT Housing system is designed to give everyone the best chance at being put where theyre happiest. Of course no system is perfect and there are no guarantees, but its flexible enough that most people can end up where they want to be. It all starts with your temporary housing, which actually means practically nothing. Its mostly just a place to put bodies while all the freshmen go out and experience REX (Residence Exploration). REX is where each of the dorms pulls out all the stops that they can to try and showcase their culture and the people who live there so that the freshman can get the best idea of where they want to live. At the end of REX, you can enter the readjustment lottery, where you can re-rank the dorms youd like to live in. Maybe REX changed your ideas, maybe they didnt. But the readjustment lottery tries really hard to maximize everyones preferences through some fancy algorithms and voodoo. I seem to remember that most people get their first or second choice for where they want to live. The key to the whole party though, is to pick a place you feel most connected to the people in. I cant stress that enough. A lot of times, I see students getting charmed by beautiful buildings, nice facilities, bigger rooms, more singles etc (myself included). But none of those things matter if you dont like the people youre living with. Thankfully, with such a wide number of Dorms and FSILGs (more on that in a minute) youre bound to find a group of people with whom you connect. It would be impossible to categorize each dorm concisely and completely, so Ill give you my impressions (thats my blog is for after all right?). Your mileage may vary. Without further adieu, heres my insultingly shallow and biased descriptions of the dorms, each in 144 char. or less! #twitteristakingover : WEST CAMPUS: Many newer dorms. Same side as the student center. Generally considered more tame than East Campus. â"Baker: Largely athletic and social. Lots of normal college kids. Extremely popular choice among freshmen. â"Simmons: New and modern. Unestablished culture and quiet. Lots of nice things, but a bit far from campus and other dorms. Has a Puerto Rican floor. â"McCormick: All women. Former hotel. Dont know much since Im not a woman, but seems to house many international students. â"Next House: I always confuse Next and New. I dont actually know much I can in conscience say about it. Near the end of dorm row. Everyone I know from Next is Asian, but thats not statistically significant. â"MacGregor: Very tall. Has a convenience store which is, well, convenient. For a long time I thought this was a mens only dorm, but thats not true. â"New House: Has several international floors including a french floor, a spanish floor, and an African-American floor known as Chocolate City. â"Burton-Conner: A curious number of bloggers have lived in Burton-Conner. In my admittedly limited experience, the most east of the west dorms. Has a jewish floor. â"Maseeh Hall: Brand-Spanking-New. Choice location next to campus. No experiences to speak of, since this will be the first year its open! EAST CAMPUS: Older side of campus, with lots of heritage and very unique cultures. â"East Campus (EC): Truth be told, probably my favorite dorm. Large number of nerds. Lots of Course VI majors. They build a rollercoaster in their courtyard every year, and theyre super close to most classrooms youll frequent. â"Senior House (Haus): Non-house residents shouldnt spell it like Haus. The oldest dorm on campus. Very accepting of alternative lifestyles. Residents of Senior House seem to have a really strong bond with the place and the other residents. They throw a big party called Steer Roast in the spring. â"Random House: Not near the other East Campus dorms, but more or less aligned culturally. Lots of kids who love deeply nerdy things like LARPing and RPGs. (The games, not the weapons). Their isolation relative to campus tends to make them a tight knit bunch. ??? Campus: â"Bexley: Bexley is crazy. Nuff said. Primo-location for campus. Of course, your experiences will vary greatly from mine, but the most important thing is that you find a place you like to live. Living near people you like and get along with has, for me, made studying easier, and life better. MIT is hard, and having people you care about and who care about you goes a long way in helping you get through it. More questions about dorms? Ask away in the comments! Post Tagged #REX
Sunday, May 24, 2020
The effects of Credit Card limit practices of banks on their financial performance and consumer brand preference A Study of Banks in Karachi - Free Essay Example
Sample details Pages: 4 Words: 1231 Downloads: 9 Date added: 2017/06/26 Category Finance Essay Type Cause and effect essay Did you like this example? RESEARCH TITLE: Ã ¢Ã¢â ¬ÃÅ"The effects of Credit Card limit practices of banks on their financial performance and consumer brand preferenceÃ ¢Ã¢â ¬Ã¢â ¢: DonÃ¢â¬â¢t waste time! Our writers will create an original "The effects of Credit Card limit practices of banks on their financial performance and consumer brand preference: A Study of Banks in Karachi" essay for you Create order A Study of Banks in Karachi INTRODUCTION: Many researchers have aimed to find the different levels of customer preferences regarding financial services (Schmidt, Bergsiek Kolesnikova, 2007), (Tarawneh, 2006). Schmidt, Bergsiek and Kolesnikova (2007) have also observed that todayÃ ¢Ã¢â ¬Ã¢â ¢s dynamic economy is exposing financial institutions to the increasing competitive forces and performance-oriented pressures. In addition, innovative business ideas and increasing competition increases the challenges for the financial institutions to achieve (Hopkins Hopkins, 1997). Based on these dynamics in the financial service industry (Hopkins Hopkins, 1997), a research study that has been conducted investigated the effects of credit card limits (Ausubel, 1999) on customer brand preference (Schmidt, Bergsiek Kolesnikova, 2007) and bankÃ ¢Ã¢â ¬Ã¢â ¢s financial performance (Tarawneh, 2006). In todayÃ ¢Ã¢â ¬Ã¢â ¢s time it is very difficult to prejudge the bankÃ ¢Ã¢â ¬Ã¢â ¢s credit limit (Feinberg, 2003). In recent years, performance study of banks has received higher attention (Seiford Zhu, 1999). According to the study, bankÃ ¢Ã¢â ¬Ã¢â ¢s financial performance includes growth and changeability in the profits of the banks, cash flows and market value of the assets and equity of the financial institutions (Capon, Farley Hoenig, 1990). Moreover, financial institutions lack knowledge about the risk involved with the individual borrower (Dey Mumy, 2005). The goal of this study is to determine customer brand preferences (Schmidt, Bergsiek Kolesnikova, 2007 ) and evaluate bankÃ ¢Ã¢â ¬Ã¢â ¢s financial performance (Tarawneh, 2006) based on the factor of credit card limit practices (Dey Mumy, 2005) . This study tries to determine the differences in customer preference in choosing a particular brand (Schmidt, Bergsiek Kolesnikova, 2007) and provide an understanding to what extend financial institutions grow due to the extensive use of credit card limit (Tarawneh, 2006). STATEMENT OF THE PROBLEM: To study the effects of credit card limits practices of banks on their financial performance and consumer brand preference. MODEL/FRAMEWORK TO BE USED: The Variables on the left side of the Model are treated as a cause of bankÃ ¢Ã¢â ¬Ã¢â ¢s financial performance (Tarawneh, 2006) and consumer brand preference (Schmidt, Bergsiek Kolesnikova, 2007) regarding the financial institutions. These variables are taken because no study has been done on such combination in Pakistan. The study will be conducted through testing these variables in the banks of Karachi and through consumers in Karachi to determine the effect of Credit Card limits and practices on the bankÃ ¢Ã¢â ¬Ã¢â ¢s financial performance and consumer brand preference. VARIABLE TO BE STUDIED Independent Variable: Credit Card limits practices: Credit Card is a way through which consumers borrow money. By using a credit card, consumers can make purchases without the use of cash (Dey Mumy, 2005). Banks propose a fixed limit to their likely consumers (Dey Mumy, 2005). Dependent Variable: BankÃ ¢Ã¢â ¬Ã¢â ¢s Financial Performance- BankÃ ¢Ã¢â ¬Ã¢â ¢s capacity to conserve on operating expense they incur in constructing their customer and giving customer services (Pastor, Lovell Tulkens 2001). The higher the financial performance, the higher and more improved will be the activities and functions of the institution (Tarawneh, 2006). Consumer Brand Preference- ConsumerÃ ¢Ã¢â ¬Ã¢â ¢s compliance to give an amount for a brand depends on previous experiences (Bronnenberg Dube, 2010). ConsumerÃ ¢Ã¢â ¬Ã¢â ¢s choice related to banks according to the frequency of visit to the representative, most preferred modes of communications or services offered by the bank (Chernev, 1997). PROPOSED RESEARCH HYPOTHESIS H1;Higher level of Credit Card Limits has a relation with BankÃ ¢Ã¢â ¬Ã¢â ¢s Financial Performance. H2; Higher level of Credit Card Limits has a relation with Consumer brand Preference. SOURCES OF INFORMATION The sources of information are primary as well as secondary which includes the financial reports of the Banks of Karachi along with the consumers availing the financial institutionÃ ¢Ã¢â ¬Ã¢â ¢s services. The study will try to reach to the consumers directly engaged with the service for gaining the best available information regarding the effects of credit card limits and practices. SAMPLING TECHNIQUE AND PROCEDURES The study proposes convenience sampling technique which is a non-probability sampling technique where subjects are selected because of their convenient accessibility and proximity to the researcher. The subjects are selected just because they are easiest to recruit for the study and the researcher did not consider selecting subjects that are representative of the entire population. Convenience based sampling is chosen because of the following reasons: Time limitation Resources Limitation The Sampling procedure would be that the researcher visits the concerned organization decided upon and where ever a manager is found willing to participate he/she will be filling the instrument of data collection. SAMPLE SIZE The Study proposes a sample of 250 Consumers who are either consuming the credit card service or any other services provided by different banks. METHOD OF DATA COLLECTION PROCEDURE The Survey will be conducted through questionnaires given to the consumers availing bank services to fill out and gather information in order to determine the factor that affects consumerÃ ¢Ã¢â ¬Ã¢â ¢s preferences of selecting financial institutions. Then statistical tests will be conducted in order to gather / analyze the results and as far as the procedure is concerned the questionnaires will get filled by getting them filled personally from the consumers of the banks in Karachi. INSTRUMENT/S OF DATA COLLECTION Questionnaires developed will help the study to determine the effect of credit card limits and practices on the bankÃ ¢Ã¢â ¬Ã¢â ¢s financial performance and consumer brand preference. Test will be conducted on dependent and independent variables of financial performances of banks and consumer brand preference. The Questionnaire is proposed to have 10 questions, where all the questions are closed ended on the basis of a likert scale. STATISTICAL TESTS TO BE USED Following test would be used to check the variables. Regression To check whether the relation between the variables exist of not. Co-relation To check the magnitude of variables. POSSIBLE RESARCH FINDINGS The research might show the following possible outcomes: Financial Performance of banks has direct relation with the credit limits practices of banks. Consumer Brand Preferences has indirect relation with the credit limits practices of banks. LIST OF REFERNCES Alex Chernev , Ã ¢Ã¢â ¬Ã âThe Effect of Common Features on Brand Choice: Moderating Role of Attribute ImportanceÃ ¢Ã¢â ¬Ã , Journal of Consumer Research Inc., Vol 23. Bart J. Bronnenberg, Jean Pierre H. Dube Mathew Gentzkow [July 2010], Ã ¢Ã¢â ¬Ã âThe Evolution of Brand Preferences: Evidence from Consumer MigrationÃ ¢Ã¢â ¬Ã , University of Chicago and NBER. Jesus T. Pastor, C. A. Knox Lovell and Henry Tulkens , Ã ¢Ã¢â ¬Ã âEvaluating the Financial Performance of Bank BranchesÃ ¢Ã¢â ¬Ã , Department of Economics, University of Georgia. Lawrence M. Ausubel , Ã ¢Ã¢â ¬Ã âAdverse Selection in the Credit Card MarketÃ ¢Ã¢â ¬Ã , Department of Economics, University of Maryland Lawrence M. Seiford and Joe Zhu [Sept. 1999], Ã ¢Ã¢â ¬Ã âProfitability and Marketability of the Top 55 U.S. Commercial BanksÃ ¢Ã¢â ¬Ã , Management Science, Vol 45 No.9, pp 1270-1288. Martina K. Schmidt, Micha Bergsiek and Marina Kolesnikova , Ã ¢Ã¢â ¬Ã âCustomer Preference of financial services across the US, Russia and GermanyÃ ¢Ã¢â ¬Ã , Journal of International Business and Cultural Studies. Medhat Tarawneh, , Ã ¢Ã¢â ¬Ã âA Comparison of Financial Performance in the Banking Sector: Some Evidence from Omani Commercial BanksÃ ¢Ã¢â ¬Ã , International Research Journal of Finance and Economics, Issue 3, Euro Journal Publishing Inc. Noel Capon, John U. Farley, Scott Hoenig , Ã ¢Ã¢â ¬Ã âDeterminants of Financial PerformanceÃ ¢Ã¢â ¬Ã , Management Science, Vol 36 No.10, pp 1143-1159. Willie E. Hopkins and Shirley A. Hopkins [Sept.1997], Ã ¢Ã¢â ¬Ã âStrategic Planning- Financial Performance Relationships in Banks; A Causal ExaminationÃ ¢Ã¢â ¬Ã , Strategic Management Journal, Vol 18 No.8 pp 635-652, published by: John Willey Sons. Robert M. Feinberg [Jul., 2003], Ã ¢Ã¢â ¬Ã âThe Determinants of Bank Rates in Local Consumer Lending Markets: Comparing Market and Institution-Level ResultsÃ ¢Ã¢â ¬Ã , Southern Economic Journal, Vol. 70, No. 1, pp. 144-156.
Thursday, May 14, 2020
1) Baseline Description Early After the Crash The first few days following the crash of the Uruguayan Air Force plane carrying 45 passengers en route to Chile was surely made out to be some of the hardest days throughout what would become an amazing 72 day fight for survival. In the first few days the team had to fight through anxiety, mental instability, chaos, and perhaps the most important barricadeÃ¢â¬âthe fight to stay unified, positive and team-orientated. This is what makes it such an amazing story because without the strong team development and commitment, survival would not have been possible. Prior to the announcement that the search party had ceased its efforts, the group was just waiting and depending on the search party to findÃ¢â¬ ¦show more contentÃ¢â¬ ¦On the fourth day the team saw the plane that flew by and tipped its wings. This sparked false hope, which led to the storming stage of team development. Everyone believed that they were saved; consequently, they ate and drank what little food and wine they had. Members of the team had broken the rationing guideline and Antonio had to manage the conflict which involved reprimanding the team after they violated the Ã¢â¬Ëteam contractÃ¢â¬â¢. The next stage entered was norming. After the search had been called off, Nando created the new goal for the team of getting out of there themselves. Nando and Canessa enhanced team commitment and focus by getting team members to cannibalize. The team then went back to the storming stage of team development. This was reflected by a couple conflicts. First, there was the conflict with the transportation of the batteries and how it wasnÃ¢â¬â¢t possible. As well as the conflict of trying to bring the radio to the batteries in the tail and the disagreements of which group members were going to partake in this event. Canessa used a forcing approach to influence the group memberÃ¢â¬â¢s participation. Finally, the team had reached the most desirable and effective level of functioning, the performing stage of team development. The three team leaders embarked on an unknown journey to find help. They fostered extraordinary performance and developed a clear mission which involved over the top commitment to the team and theirShow MoreRelatedEssay on Portrayals of John Anderton1095 Words Ã |Ã 5 Pagesexists in Philip K. DickÃ¢â¬â¢s famous short story, The Minority Report. Using the adaptation made by screenwriters, Scott Frank and Jon Cohen, DreamWorks was able to release the film version of DickÃ¢â¬â¢s short story in 2002. Furthermore, this futuristic age film was directed by the famous director, Stephen Spielberg. The main focus of the short story and film surrounds the lead character John Anderton and his efforts to understand the minority report. 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Wednesday, May 6, 2020
During their southward travels to Camelot, Taran and Ero acted as father and son, they hunted, and Taran discovered his father Ã¢â¬â it still seemed strange to refer to Ero as Ã¢â¬Å"fatherÃ¢â¬ in his mind Ã¢â¬â was an excellent shot with a bow and arrow. Taran was a decent shot, too, though Kahl never was. Taran caught himself constantly watching Ero for clues about TaranÃ¢â¬â¢s own history and development. Ero had a quirk where he often opened and closed his jaw to loosen it, and Taran had always done the same. But beyond those quirks, it was EroÃ¢â¬â¢s temperament that Taran felt matched his own so closely. Ero was reserved, though humorous around those whom he knew, often shy, and held strong beliefs about the equality and justice. The two were more alike than Taran had ever dreamed. What would have been otherwise a long anadromous trip in biting cold, Taran found himself happier than ever. Every morning he woke, the day seemed full of new possibilities. He was no longer anchored by KahlÃ¢â¬â¢s legacy. He had a father and a betrothed who loved him. This was the happiest he had ever been. Even so, he missed Veerah terribly, but picturing her kisses and erotic touches as he rode soothes the ache. He would be back in her arms and bed soon enough. Meanwhile, he would treasure this time with Ero, as it was unlikely they could ever act as father and son again. They were closing in on the end of a fortnight of travel, and Camelot was a mere two-daysÃ¢â¬â¢ ride now. They would arrive early for the wedding and
Tuesday, May 5, 2020
Extinct Animals Research Essay : Woolly Mammoth: We have learned much aboutthe Woolly Mammoth almost more than any other dinosaur that has been identified. Due to the fact that the Woolly Mammoth so closely resembles todays elephants,care for them would most probably require most of the same factors to keep italive. -=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-* Copyright DueNow.com Inc. *Category:SciencePaper Title:Extinct Animals Research: Woolly MammothText:We have learned much about the Woolly Mammoth almost more than any otherdinosaur that has been identified. Due to the fact that the Woolly Mammoth soclosely resembles todays elephants, care for them would most probably requiremost of the same factors to keep it alive. Since the Woolly Mammoth has beenextinct for 4000 years, it is difficult to tell exactly what they lived on, butwe can hypothesize. The Woolly Mammoth lived during the Ice Age, so if alive today, it must bekept in a tundra environment. For food, only basic tundra vegetation isnecessary. Due to the thick pelt that the Woolly Mammoth has, any known Ice Agetemperatures would suffice since the thick fur protects the animal in anyextreme temperatures. Large enclosures would not be needed as they would be for a normal elephantsince the Woolly Mammoth is only three meters high. The huge tusks would allowit to scavenge for its own food, so no special feedings would be necessary. Feedings would also be needed on a less frequent basis since the Woolly Mammoth,much like todays camels, keeps under its sloping back a thick layer of blubberas nutrition when food was not needed. The problem in keeping a creature such as the Woolly Mammoth in a zoo- likesurrounding would be poachers. Due to the endangerment of such a magnificentspecies, poachers of pelts and ivory would most certainly be after its hugetusks and thick furs, so it would be necessary to post guards around its cageat all times. A large-scale habitat would be constructed for this creature since, duringthe period it lived, the Pleistocene, there were no restrictions on the placesit could roam to. There was nothing stopping this beast from stomping along towherever it wanted to go. A Woolly Mammoth might find it peculiar to be stuck ina twenty foot ice field with no predators or other animals whatsoever. To solve this problem, it would be possible to include other animals from theWoolly Mammoths time period. -=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-