...FACTORS THAT INFLUENCE THE CREDIT AVAILMENT OF SMALL AND MEDIUM ENTERPRISES (SMEs) IN TANAUAN CITY A Thesis Presented to the Faculty of College of Accountancy Business, Economics and International and Hospitality Management Batangas State University-JPLPC,Malvar Campus Malvar, Batangas In Partial Fulfillment Of the Requirement for the Degree Bachelor of Science in Business Administration Major in Financial Management By: Chona E. Maquiñana Lorie May R. Catimbang Jonie E. Mendoza October 2013 APPROVAL SHEET This research paper entitled “Factors that influence the credit availment of Small and Medium Enterprise (SME’s) in Tanauan City” as prepared and submitted by ChonaE. Maquiñana, Jonie E. Mendoza and Lorie May R. Catimbang, in partial fulfillment of the requirement for the degree of Bachelor of Science in Business Administration has been examined and is recommended for Oral Examination. ________________________________ KRISTINE ABIGAIL S. DE LUNA, MBA Thesis Adviser Approved by the Committee on Oral Examination with the grade of __________. PANEL OF EXAMINERS _________________________________ ELISA S. DIAZ, MBA, (DBA Candidate) Chairman ____________________ ___________________ JESSIE S. LEONG, Ph. D. LUCINA S. LAT, MBE Member Member Date of oral Examination________________ Accepted...
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...Twitter is an Excellent Marketing Tool to Promote a Small Business Twitter is an Excellent Marketing Tool to Promote a Small Business W W Good marketing can lead to a business being successful, but there will never be any guarantees that this is the case. Many new business owners are short on capital at the beginning and do not have enough financial resources to hire a marketing firm. As a result, many new business owners want to try to market the business themselves. Nowadays, businesses can go to social media such as Twitter because it is one of the best marketing tools which any owner can use to reduce cost and time in getting their business up and running. “Twitter is a social networking service; it has gained popularity because it is relatively simple to use.” It is about discovering interesting people around the world who might be interested in what the company is selling. It also builds followers who are interested in a company’s services, and then providing people with some kind of knowledge, based about the company’s news every day. People advertise recruiting services, consulting businesses, and retail stores by using Twitter. Twitter is a platform that actually works because companies can market their products and services in a fast, easy way with as little cost as possible. There is no cost to use it, and small businesses do not need to have large followers to be effective. For marketing purposes, Twitter is useful for connecting...
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...Business Profile 1 Profile Of A Small Business MGT/300 May 23, 2012 Business Profile 2 The entrepreneur profile that I chose was the Rob Brandegee, Ava DeMArco, creator of Little Earth. This particular profile I took interest with this profile because it was motivating. They created a company that is ecological and offer products that are made with recycled materials. I will be talking about the products, and how their business became successful. I will explore the outcome of globalization within the company. Little Earth Nich DeMarco and Brandegee did research the market for their products. To make the community and consumers aware of their products they joined trade shows in a craft fair in their city. While joining the craft fair, they where able to get feedback from consumers on how they felt about the products, With the information DeMarco and Brandegee gathered information that helped them assist with pricing which is important to stay competitive in the market. Once they decided their target market they where able to find their nich in the market. Their Nich target where individuals who appreciated recycling and understand how important it is to the environment. Little Earths product The products are environmental friendly and bio degradable, all their products are made from recycled Materials. Products Inc. is a business that produces only of a kind fashion assesories like handbags, wallets and belts, out of recycled material...
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...Report Paper Pengembangan UKM ANALYSIS AND COMPARATIVE STUDY OF THREE MICRO SMALL MEDIUM ENTERPRISES (MSME) IN BOGOR Anaiza Azlia | Ariansyah | Aditya P. Nugraha Business Profile Business Profiles : Cotton Candy Industry. This cotton candy sweets business, based on the information during the interview, was established in 1998. Monetery crisis that hit Indonesia had caused previous business collapsed and went bankrupt, causing the business owner started to sell cotton candies on the street… Cont’d to Page 4 Business Profile Busines Profile : Bening Jati Anugrah Food; A Frozen Food Manufacturing Company Bening Jati Anugrah Food is a small medium enterprise manufacturing frozen food from ocean fish as raw materials. Using Bening Food as its brand, this business is located in… Cont to Page 4 Business Profile Business profile : Hot Crispy Hot Crispy is a food processing business that was established in 2005, or roughly about 10 years ago. Products offered are …Cont’d to Page 5 December 15, 2015 http://metrovaartha.com Background M i c r o , S m a l l a n d Me d i u m E n te r p r i s e s (MSMEs) in Bogor are one among various economic sectors that have contributed in regional revenue and also in employment sectors. Approximately 11.297 MSMEs in Bogor City (kotabogor.co.id, 2015) that employ 19.035 workers, and around 15.000 people involved in MSMEs in Bogor regency (business.com, 2015). As a follow up on this significant development...
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... On Business Development Life Cycle HUSYS Consulting Private Limited- HR function Outsourcing and Management Company By INDEX Contents | Page No | Company profile | 3 | objectives of the Internship program | 4 | Problems Identified | 4 | Schedule of activities | 4-9 | Analysis | 10-12 | Achievements | 12-13 | Key Learning | 13-14 | Company Profile HUSYS, which stands for human synergies, are in the business of building and managing HR function services for organisations specially SMEs. HUSYS started their operations from Hyderabad in the year 2002 with an aim to redefine the Human Resources function in India. Today they are synonymous with HR Function Outsourcing. They have revolutionized HR Function Management outsourcing in India. Since 2002, HUSYS has managed the HR department of 160+ companies spanning across 10 different industry sectors. Apart from Hyderabad they have also reached cities like Bengaluru, Delhi, Mumbai, Ahmedabad, Nagpur and Pune. The prominent services of HUSYS include- * HR function Outsourcing (HRFO): The key service of HUSYS is building & managing the HR department of Small & Medium Size (SME) organisations who are looking to expand their business and build an organization of repute. HRFO helps SMEs to concentrate on their core business and leave the HR worries to HUSYS who helps to build a cost-effective...
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...------------------------------------------------- Myth 5: Entrepreneurs Must Fit the "Profile" Entrepreneurs and Entrepreneurship: An Introduction It is not easy to give a particular answer to the question: Why do people want to start and run independent businesses? Different answers may come from different people. Some people may start a business just because they love independence and hate to tolerate bossing in the jobs. Some may not have the capability and qualification to do a job and as job is not available to them, they go for independent businesses in order to survive. Some may have some special skills and love challenges to run an independent business. Several motivational factors like need for affiliation, need for power and need for achievement (McClelland, 1961) are also responsible for going for an independent business. Murthy, et al (1986) found that entrepreneurs are motivated to start a business because of the factors like ambitious factors, compelling factors and facilitating factors. Whatever may be the reason, it can be said that in most of the times of the history of human civilization, there were entrepreneurs who did independent businesses and this trend of history still continues. For the last few decades in all over the world, entrepreneurs are regarded as value adding people to the society. Holt (1992) says, “The term entrepreneur may be properly applied to those who incubate new ideas, start enterprises based on those ideas, and provide added value...
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...Author Note Harry Pruitt, Student in Business, Benedictine University. Abstract We normally judge a book by its cover, so visuals can be very important. Online marketing through Facebook is no different. Most of our influences are through social media and more people are turning to social media to gain more business for their companies. Facebook has been successful in helping with business marketing, spending as little or as much as you want or need to. Facebook is the social platform for web based businesses near and far. Even though Facebook has its different problems, marketing within Facebook has been very successful thus far .Using different strategies and building creative profiles makes for a better business outcome. Bigger dreams become bigger goals, by staying on the right path you accomplish you objective and achieve your marketing goals as a business owner. How To Market Facebook With Businesses Facebook is an online social networking service. Facebook was founded in February 2004, by Mark Zuckerberg and some of his friends at Harvard University. The website was first used for Harvard University students only, but then it gradually excelled to various universities, high schools, and even 13 year old children. Before entering Facebook, the user must register and create a personal profile. The use of this social network is to add other users as friends, exchange messages, and receive automatic notifications when they update their profile. In addition, Facebook users may...
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...primarily envisioned to accomplish equity objectives through land distribution, also aims to address efficiency issues by increasing farm productivity. Improved farm productivity is expected to be accomplished through the adoption of appropriate farming practices and technology by the new landowners and the provision of the complementary support services. These include, among others, infrastructure support, credit, technical training and appropriate technology. The program is also designed to encourage production in idle and abandoned lands which is expected to increase overall land productivity. In view of its comprehensive scope, the implementation of the CARP involves the Department of Trade and Industry through the establishment of the Small and Medium Industry Technology Transfer Development Program (SMITTDP) in July 1989. SMITTDP is primarily supportive of the government’s focus on countryside development through setting up of rural industries. More specifically, SMITTDP promotes entrepreneurship and enterprise development among the farmers and affected landowners and provides the services necessary to ensure...
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...Social Media and the Small Business IS535 Managerial Applications of Information Technology October 21, 2009 Social Media and the Small Business Abstract Social media has gained significant momentum as a business tool in the past five years. In the following study will analyze how selected small businesses currently use social media, how the businesses may expand the use of the social media medium and precautions small businesses should consider when utilizing social media. The business owners interviewed for the research study vary in their product and service offerings: personal training, music, systems consulting and a karaoke machine retailer. The conclusion of the research will include recommendations for how small businesses may consider the utilization of social media as a strategy to gain or maintain competitive advantage. Social Media and the Small Business Purpose of the Report Social media outlets such as Facebook, LinkedIn, MySpace and Twitter have widespread, worldwide popularity. According to Facebook's Press Room statistics, there are over 300 million Facebook active users worldwide, and more than six billion minutes are spent each day, by users, online (Facebook, 2009). The allure of social networking is tremendous, making it possible for people to connect globally, with ease and free of charge. Many small businesses utilize social media as a marketing tool because it costs...
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...Assignment 4: Internet Technology, Marketing, and Security BUS 508 Name August 24, 2012 Dr. Professor Assignment 4: Internet Technology, Marketing, and Security Marketing plays a large, pertinent key in the success of a product, and/or business. Excellent marketing creates brand awareness and a call to action for the target market. Even Not-for-profit organizations such as the Red Cross and the Boys & Girls Clubs of America use marketing to create awareness (Boone & Kurtz, 2012). Marketing campaigns today must be clever, catchy, and sophisticated. These campaigns use various methods to capture the target markets attention. These methods range from passing out fliers, radio and TV commercials and now social media. Social media such as Facebook, Linkedin, and Twitter have totally revolutionized the way people communicate, by sharing ideas, thoughts, and pictures. These social media outlets allow for a free, easy, and effective way to communicate among friends and family. Members of such sites as Facebook, MySpace, and Twitter can post pictures, create common interest groups, and update their status (www.facebook.com, www.myspace.com, www.twitter.com). It is not uncommon for a favorite book, band, or movie to have a Facebook page that users can “like.” Even politicians today have Facebook pages spreading their campaign news, thoughts, and photos. LinkedIn is a unique social media site for job seekers to network with fellow co-workers, make connections, post...
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...look at the big bank from a global perspective. Introduction Citigroup has made many transformations over the years in both positive and negative directions, yet the brand maintains a reputable global status. Banking has become one of the biggest global operations that offers finance services across the globe, and Citigroup is one of the biggest brands in the playing field. Business Field Citigroup long thought of as just a bank, is a financial services organization offering consumer banking to investment banking and from merger underwriters to currency handling (Services, 2012). They utilize two business segments which are the Regional Consumer banking and business and institutional services. This basically means that part of their business models deals with the banking services of individual customers and the other caters to business and institutional services. Global Operations Citigroup actually operates out of more than 160 countries with more than 200 million accounts on their books but is based in New York City right here in the United States. Citigroup separates their business into four regional groups globally. The North America Regional Consumer Banking provides services to countries of Canada and the U.S. The EMEA Regional Consumer Banking which provides services to Eastern Europe, Countries in the Middle East such as Saudi Arabia, and countries such as South Africa. The Latin America Regional Consumer Banking services...
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...SUITABILITY FOR SMALL BUSINESS ENTREPRENEURSHIP THROUGH COMPETENCY PROFILING I- PERSONAL SKILLS IDENTIFIED THROUGH SELF-REFLECTION (10 Marks) Skills Gained:From Work | From School | From Hobbies:as Computer Games) | Communication skill: As a doctor, I deal with different kinds of people with diverse backgrounds and expectations. I acquire the techniques helping me have more effective and trouble-free communication. | Self-study:This good habit helps me constantly update my knowledge, find effectively relevant info to solve my issues. | Internet surfing: I am quite “addicted” to the Internet but in fact, it not only broadens my knowledge but also engages me in positive social relationships, helps me develop a curious and skeptical attitude, and open my mind to changes. | Time management:Repeated high workload at hospital enables me to manage my time more efficiently to finish my tasks. I often prioritize tasks in order not to miss important jobs. | Research skill:As I did several research work at university, I have research skills including critical thinking, literature review, perform experiments and data analysis. | Music listening:By listening to different types of music over the years, I become more sensitive to others ‘emotions and able to anticipate expectations and reactions of people in normal life. | Planning skill:I usually make a plan before starting a project. I like thinking over all aspects of the task and make a good preparation in order to heighten the...
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...universal numbering system (DUNS) number is a nine-digit number, which uniquely identifies a business. This number created by Dun & Bradstreet (D&B), is used to create a business profile in its database that provides the name of a company, phone number, address, number of workers and line of work along with other relevant information about the company. A DUNS number identifies over 250 million businesses globally including major [corporations], small business owners, non-profit organizations and [partnerships]. A data universal numbering system number allows a business to search for information about other companies. This can help a business find potential customers, vendors or partners. The federal government uses DUNS numbers to track federal money disbursements. It is the most widely used number for identifying companies in the U.S. It is necessary to bid on local, state or government contracts, apply for federal grants, to do business with retailers and in some foreign countries such as Australia and the...
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...E-business Cards Approval Letter: Team Fresh bytes wishes to revolutionize business card by eliminating the card out of the equation. By creating an application on mobile phones and tablets that will allow current and upcoming businesses to interact through our web application named Green Business Cards. GBC allows the user to create their own profile of their business, by having their contact information, information of goods and of course business information. But how do I give this information through your phone? We will provide a one custom made card that can be scanned by your phone or tablet and will sent you to your GBC profile. This application will be user friendly that anyone can create their own profile and can scan the card as simple as taking a picture on your phone. Our team decided to create GBC because we know this application be used now and in the future as we progress through the digital age. People rely on technology nowadays we believe that it is time to change business cards and virtualize it. This will help with paper waste creating an eco-friendly reputation and also creating a new and fun way of giving out your information not by a simple paper card. As mentioned this application will allow any consumer or business man to be able to connect to other business beyond a simple business card. GBC connects users to other business or business man to a unique level than what a business card usually is used for providing just a simple way to contact by...
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...PHASE 4 DISCUSSION BOARD Darnell E. Bush Colorado Technical University May 2, 2012 PHASE 1 Business Organization Basics In this Introductory DB, we were to introduce ourselves to each other, and get acquainted, and then respond to 2 students! Once the formalities were out of the way, we settled down to the business of becoming students. In this Phase 1 DB2, we were told to pick a company, and to follow it throughout the course. I chose Wal-Mart. The selection was made, and the research was done, and I found that this company really lives up to its Mission Statement, “saving people money so they can live better lives”. I also learned of another commitment called CSR, Corporate Social Responsibility. This function is dedicated to, and responsible for developing policies, that integrate responsible practices into daily business. We also discussed why a CSR program was relevant in today’s marketplace. It is nothing more than the ethics of business. We also discussed how CSR was responsible to the stakeholders, stockholders, associates, and customers. It was also interesting to know where Wal-Mart was, as far as the industry was concerned, and where in the global market. This is where I learned about the NAICS (North American Industry Classification System, and The Global Industry Classification...
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