A Case Study about Selecting High-income Generating Activities for Micro-entrepreneurs: Amanah Ikhtiar Malaysia
Abstract:~ Poverty eradication has been one of the most important concerns in developing countries. Many of the governments of these countries have initiated some forms poverty alleviation programs to reduce poverty level in their respective countries. Studies have shown that microfinance is proven to be an effective tool to fight poverty in many developing countries. This study looks at various income generating activities taken up by micro-entrepreneurs who obtained micro-credit from Amanah Ikhtiar Malaysia (AIM), the biggest microfinance institution in Malaysia, and identifies which activities result in high income. A survey was conductedto obtain primary data on economic activities assumed by AIM members and also income obtained from these activities.
Introduction:~ Although to a certain degree overlooked by conventional financial institutions, microfinance is at present demonstrating good potential, and funding microfinance project has become a main concern for international donors as well as for governments, private companies and philanthropic organizations (Ferro, 2005). There are several reasons why financial institutions may not be interested with microfinance, such as the real profitability of microfinance, the high risk posed by small and short-term lending operations and the widespread belief that the poor are often poor due to a lack of skills. Furthermore, it is extremely difficult for financial institutions, particularly in less developed countries, to overcome the social and cultural barriers in providing microfinance services. Keep reading…
A Study about A Contingency Theory Approach to Market Orientation and Related Marketing Strategy Concepts
Abstract:~ With a focus on the financial services industry, the current study takes a contingency theory approach to the relationships between market orientation and a variety of marketing strategy concepts, including profitability, a firm’s Miles and Snow strategy type, market growth, service growth, service focus, market coverage, the Porter strategy group, and strategic marketing initiative. Data for the study were gathered from a survey of chief executives from credit unions in the U.S. The results of the study are mixed.
In particular, the findings suggest that despite the perceptions of management, it is the less aggressive and less costly approaches to market orientation and marketing strategy that actually pay off in terms of objectively measured ROA. The pattern that emerges seems to suggest that if the goal is overall firm profitability as measured by ROA, then the recommendation may be to focus on more conservative strategies combined with lower levels of market orientation. Additionally, the total number of strategic alignments is also relevant to profit performance. It was shown that companies with a higher number of recommended “fits” between market orientation and their marketing strategies achieved a larger ROA. Keep reading…
A Study about Career Development and Staff Motivation in the Banking Industry: Bank of Uganda
Abstract:~ Lack of career advancement after training in Bank of Uganda is an area of great interest and concern. The lack of career advancement affects motivation and performance. However, how training influences motivation is not well researched in BoU.The objectives of this study were to assess career advancement after training, identify constraints to career advancement, assess the level of motivation among trained personnel, establish strategies to minimize constraints to career advancement and assess the effect of career advancement on motivation.
Background:~ Career development and staff motivation are key strategic considerations for all organizations regardless of size, sector, market or profile. The development of the capacity and capability of the organization‟s managers has a fundamental impact on efficiency, effectiveness, morale and profitability of an organization. High performing organizations increasingly pay close attention to the validity of their recruitment practices and are becoming equally vigilant about developing their employees in order to ensure they achieve optimum performance both in the present and the future. This is confirmed by Mwenebirinda (1998) who acknowledges that employee performance can be enhanced by training that addresses identified weaknesses. Keep reading…
A Case Study about Canadian Plastics Sector Council
Introduction: The Canadian Plastics Sector Council – Conseil canadien sectoriel des plastiques (CPSC) has identified worker retention/turnover and knowledge transfer as issues critical to the sector’s efforts to meet its anticipated skill needs. The ability of employers to address employment growth as well as replacement of turnover and retirements pose increasing human resource challenges. The CPSC has identified a strong demand, within CPSC and other sector councils, for research which consolidates available ‘best practices’ and solutions for dealing with these issues.
When a business loses employees, it loses skills, experience and “corporate memory”. The magnitude and nature of these losses is a critical management issue, affecting productivity, profitability, and product and service quality. For employees, high turnover can negatively affect employment relationships, morale and workplace safety. The cost of replacing workers can be high, the problems associated with finding and training new employees can be considerable, and the specific workplace-acquired skills and knowledge people walk away with can take years to replace. keep reading…
Study about How the Pecking-Order Theory Explain Capital Structure
The pecking order theory of capital structure is one of the most influential theories of corporate finance. The purpose of this study is to explore the most important factors on a firm’s capital structure by pecking-order theory. Hierarchical regression is used as the analysis model. This study examines the determinants of debt decisions for 305 Taiwan electronic companies that are quoted on the Taiwan Stock Exchange of 2009. The results indicate that the determinants of capital structure are profitability and growth rate. The profitability negatively affects on capital structure. It implies that firms prefer to use their earnings to finance business activities and thus use less debt capital.
Introduction: Effective financial management and what characters affect their capital structure are important for a firm to obtain better operational performance. A false decision about the capital structure may lead to financial distress and even to bankruptcy. There are numerous theories developed to analyze alternative capital structures. Among all these theories, the static trade off theory which derived by Modigliani and Miller (1963) was the earliest and most recognized which explains the formulation of capital structure. Their trade off theory assumed that there are optimal capital structures by trading off the benefits and cost of debt and equity. Keep reading…
Introduction: Alfa-Bank is one of Russia’s largest private banks, executing all types of banking transactions in the financial services market. Alfa-Bank’s head office is located in Moscow. In total, throughout Russia and the world, the bank has 444 representative offices, including a subsidiary bank in the Netherlands and financial subsidiary companies in the United States, Great Britain, and Cyprus. Alfa-Bank employs around 17,000 people. At the end of the third quarter of 2011, its client base was about 49,000 corporate clients and 5.8 million individual customers.
Maintaining its status as one of Russia’s leading privately-owned banks, increasing its profitability, and establishing industry standards for technology, efficiency, quality service and teamwork are among Alfa-Bank’s top priorities. As part of its development strategy, the company decided to build a new data center. Alfa-Bank chose Cisco as a technology partner, as it is highly experienced in developing network products and solutions for data centers. Keep reading..
A Study on Universal Banking Result in Economic Instability?
Abstract: Using 190 firm-year data of commercial banks in Taiwan, this study finds that compared to independent ones, commercial banks that owned by financial holding companies suffered greater unfavorable changes in both returns on assets and earnings per share when the global recession in 2008 and 2009 stroke, consistent with the hypothesis that universal banking or financial holding companies incur economic instability.
Introduction: This study investigates the hypothesis that universal banking or financial holding companies (FHCs) increase the economic instability.We find that commercial banks that are affiliated with an FHC suffer more negative change in profitability than independent commercial banks do during the global recession. Universal banking involves providing commercial banking services, investment banking services, and other financial services under the same roof.Commercial banking is the financial service thatproviding loan and deposit services. Investment banking is associated with securities business, particularly underwriting. Other financial services include insurance, fund management, and venture capital. Keep reading..
RSA (formerly Royal & SunAlliance) has enjoyed a remarkable turnaround in its fortunes in the past few years. After experiencing what the Financial Times described as a “near death experience” in 2002, it has recorded several years of increased profitability, rising share prices and positive ratings developments. Although all shares have recently felt the effects of a falling market, most analysts expect RSA to continue to outperform its peers. Read more to know why RSA is able to achieve this feat…
Case Study about Intensity Impact on Sustainable East Asian Productivity Growth
Abstract: This study aims at assessing the effect of carbon dioxide (CO2) per unit of worker (intensity) emissions growth on productivity growth on selected 5 countries of Association of Southeast Asian Nations, (ASEAN5), Malaysia, Indonesia, Philippines, Singapore and Thailand, plus 3 East Asian Countries (China, Japan and South Korea). The results show that there was difference in the contribution of labour productivity, capital deepening and CO2 intensity emissions whether CO2 intensity emissions was included or not in the model. There were, however differences in the growth rates of total factor productivity (TFP) intensity growth.
Introduction: Changes in productivity are a major concern in any economy, because of the link between productivity and living standards. The ultimate goals of productivity improvement are greater competitiveness, higher profitability, higher living standards, and better economic and social prosperity. Generally, growth in productivity is associated with a growth in real wages and, ultimately, an improvement in living standards. This paper reviewed most of the past studies related to productivity growth analysis. Combined previous studies related to productivity analysis in general and those related to productivity and environmental impact analysis which is called green productivity in particular.
Case Study about Profitability Assessment : African Catfish
Abstract: This paper presents a profitability assessment tool developed for the purposes of evaluating the feasibility of fish farming investment and operations. As a test case, small scale African catfish (Clarias gariepinus) farming in the Lake Victoria basin, Kenya is used. The analysis formulated assumptions based on secondary data on catfish production. The data was collected by reviewing both printed and electronic articles from research publications in the library. Other information was derived from the personal experience of the author in catfish research.
Introduction: The increase in human population and reports of large numbers of undernourished or starving people, especially in the developing countries, have made the need for food production a major worldwide issue of concern. There are three main groups of activities that contribute to food production: agriculture, aquaculture and fisheries. Recent knowledge shows that the world’s natural stocks of fish and shell fish, though renewable, have finite production limits, which cannot be exceeded even under thebest management regimes. For most of our lakes, rivers and oceans, the maximum sustainable fishing limit has been exceeded.