...EFFECTS OF MICROFINANCE CREDIT ON THE PERFORMANCE OF SMALL AND MEDIUM ENTEPRISES IN UASIN GISHU COUNTY, KENYA RESEARCH PROJECT SUBMITTED TO CUEA, GABA IN PARTIAL FULFILLMENT FOR THE AWARD OF BACHELORS DEGREE EFFECTS OF MICRO FINANCE CREDIT ON THE PERFORMANCE OF SMALL AND MEDIUM ENTREPRISE IN UASIN GISHU COUNTY, KENYA BY KIBET K DENNIS BCOM/GC/543/11/12 RESEARCH PROJECT SUBMITTED TO CUEA, GABA IN PARTIAL FULFILLMENT FOR THE AWARD OF BACHELORS DEGREE DECLARATION Declaration by the Student I, the undersigned, declare that this project is my original work and that it has not been presented in any other university or institution for academic credit. KIBET K DENNIS BCOM/ GC/543/11/12 Signature.................................................... Date.................................... Declaration by the Supervisors This research project has been submitted for examination with our approval as university supervisors. Dr. Gedion Omwono Catholic University of Eastern Africa, GABA Campus Signature.................................................... Date.................................... ABSTRACT This study discusses...
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...ASSESSMENT – A Culture of Inquiry Please work with your department faculty to develop a graduate profile that reflects common goals among all departments and in relationship to our mission statement. This graduate profile should be ready prior to our next Program Chairs meeting on October 7th, when we will discuss and come to agreement about what we believe is our “ultimate” graduate profile. Following program chairs’ agreement, the material will go to the full faculty for discussion and vote. I will also gather input from Student Affairs so that we understand their contribution to the success of our students. Readings about assessment and what it is are attached.* As I mentioned earlier, we will be working our way through this process together, and developing our assessment program in relationship to the goals and values unique (and/or integral) to this institution. Additional readings are on reserve in the library, and an enormous amount of information is available on the web. *Distributed at the Program Chairs meeting on 9.9.2008 MISSION Maine College of Art delivers a demanding and enlivening education in visual art and design within an intimate learning community. We teach each student how to transform aspirations and values into a creative practice that serves as the foundation for a lifelong pursuit of personal and professional goals. VALUES o Maine College of Art’s educational philosophy is built on the premise that focused individual attention and...
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...SUMMER INTERNSHIP PROGRAM PROJECT REPORT PROJECT TITLE: DEVELOPMENT OF BUSINESS STRATEGIES AND MEASURING THE EFFECTIVENESS OF DIRECT MARKETING ALONG WITH STUDENT’S PREFRENCES FOR ENTRANCE EXAM PREPARATION AT EduMENTOR COMPANY NAME: EduMENTOR EDUCATIONAL SERVICES UNDER GUIDANCE OF Prof.Dr.Y Malini Reddy SUBMITTED BY: NAME: Eshita Miglani ENROLLMENT ID: 09BSHYD0272 CONTACT NO.: 09910436436 EMAIL ID: eshitamiglani@yahoo.co.in ABSTRACT The project focuses on the various business operations that an organization, relating to the field of educational services undertakes, that help them build an identity for themselves in the niche marketing that they are catering to. In presence of immense competition, the major part of the study comprises of the detailed study of areas that not only improve and develop the product of the company but also help them reach a wider target audience. The business model of Edumentor has immense growth potential in the future, keeping in mind the recessionary periods. Hence, a study on organizational development of Edumentor and its various operations is the most prudent thing to do. In all, the study will encompass all functional areas of the organization. The project has been broken down into various phases for better understanding and segregation of work and operations undertaken ACKNOWLEDGEMENT The project I had undertaken required a lot of information gathering and guidance which has been provided by various...
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...Submitted to the Department of Accounting and Finance, College of Business and Economics, Mekelle University, for the partial fulfillment of the degree of Master of Finance and Investment Under the Guidance of Aregawi Gebremichael (Ph.D. Candidate) Assistant Professor May, 2010 Mekelle, Ethiopia i THE DETERMINANTS OF CAPITAL STRUCTURE Evidence from Commercial Banks in Ethiopia By Kibrom Mehari Fisseha Reg. No. CBE/PR0025/01 ii DECLARATION I, Kibrom Mehari Fisseha, hereby declare that the project work entitled “The Determinants of Capital Structure: Evidence from Commercial Banks in Ethiopia” submitted by me for the award of the degree of Master of Science in Finance and Investment of Mekelle University, is original work and it hasn’t been presented for the award of any other Degree, Diploma, Fellowship or other similar titles of any other university or institution. Place: Mekelle Signature: Date: May, 2010 ………………….. KIBROM MEHARI FISSEHA iii CERTIFICATION I certify that the project work entitled “The Determinants of Capital Structure” is a bona-fide work of Mr. Kibrom Mehari who carried out the research under my guidance. Certified further, that to the best of my knowledge the work reported herein does not form part of any other project report or dissertation on the bases of which a degree or award was conferred on an earlier occasion on this or any other candidate. Place: Mekelle Signature: Date: May, 2010 …………………...
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...Research Topic: Financial Sustainable Development of Higher Education Institutions in Developing Countries I. Introduction Education is an economically and socially productive investment and in the majority of the both industrialised and developing countries, it is funded mainly by the government (Psacharopoulos, 1986). The expansion of education received by individuals depends both on their and governments’ fiscal resources (Barr, N., 2008). In recent years, however, the world financial-economic crises and adverse macroeconomic conditions have reduced most government’s ability to continue expanding quantity of educational institutions, improving quality of education and widening access, all subject to a fiscal constraint. At the same time, the potential contributions of students and their families are limited by the current financial arrangements (Albrecht & Ziderman, 1995). The result is underinvestment in education, particularly in higher education. However, more investment in human capital will lead to higher economic growth rates and that the rates of return on these investments for both government and private individuals would be very profitable (Steyn and Villiers, 2006). Most empirical studies by several researchers, such as Barr, N. (2008); Johnstone, B. & Marcucci, P. (2010); Psacharpoulos, G. & Partinos, H. A. (2004); and Sam, M. (2011) reveal that higher education has expended significantly in the last quarter century in most of the developing countries...
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...MQCS Hamad AlAjmi - 1109504 MQCS Hamad AlAjmi - 1109504 VICTORIA’S SECRET VICTORIA’S SECRET Contents Business profile and interview 3 Interview With alshaya CS Officer 3 Victoria's Secret Business description 5 Type of Business 6 Location and Number of Employees 6 Ownership Structure 6 Product and Services 8 Levels of Customer Service 11 Customer Profile 12 External customers of Victoria’s Secret 13 Internal Customers 15 Satisfaction of Customers Five Needs 20 Appropriate Market Research 21 Best seller product 21 Product range information 22 Product information and specifications 23 Delivery, warranty and return or cancelation policy 24 Sample promotional materials 24 Management and Leadership qualities 26 Leadership qualities 26 Management skills 27 Position description of CS manager: 31 Types of customer service training 35 Schedule for training 37 Example of customer service training policies 38 Feedback from customers 42 Survey 43 Managing customer service reports 46 Conclusion 47 Referencing 48 Business profile and interview Interview With alshaya CS Officer 1. What is great customer service in your understanding? You should always smile and greet the customer with good morning sir / mam or which part of the day it is. After that the query should enter the system for any follow up or feedback. Always make sure the customer ends the call as satisfied as possible. 2. How would you handle an...
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...THE EFFECT OF MOTIVATION ON THE PERFORMANCE OF EMPLOYEES AT GT BANK GHANA by Nduro, Millicent (PG, 4128310) A Thesis submitted to the Institute Of Distance Learning, Kwame Nkrumah University of Science and Technology, in Partial fulfillment of the requirements for the degree of COMMONWEALTH EXECUTIVE MASTERS OF BUSINESS ADMINISTRATION SEPTEMBER 2012 DECLARATION I, hereby declare that this submission is my own work towards the Executive Masters of Business Administration, and to the best of my knowledge, it contains no material previously published by another person nor material which has been accepted for the award of any other degree of this and any other University, except where due acknowledgement has been made in the text. Millicent Nduro (PG 4128310) Student Name & ID ...................................... ................................ Date Signature Certified by: Mr. Samuel Kwesi Enninful Supervisor …………………………… Signature …………………………. Date Professor I. K. Dontwi Dean, IDL ……………………………… Signature ………………………… Date ABSTRACT The success or failure of any business as a matter of fact depends largely on its employees; thus human resources are very essential to the organisation as they are the key to prosperity, productivity and performance. How employees are perceived, treated and how they feel about themselves and ultimately their output directly or indirectly has an impact on their performance and development of the organisation. De motivated employees under...
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...RECRUITMENT AND SELECTION PROCESS OF STANDARD BANK LIMITED Report submitted in fulfilment of the requirements for the degree of Master of Business Administration with a major in HRM ADITI DAS MATRIC NO.: R123335 PROGRAMME: MBA DEPARTMENT OF BUSINESS ADMINISTRATION FACULTY OF BUSINESS STUDIES INTERNATIONAL ISLAMIC UNIVERSITY CHITTAGONG SPRING 2014 RECRUITMENT AND SELECTION PROCESS OF STANDARD BANK LIMITED ADITI DAS MATRIC NO.: M063089 PROGRAMME: MBA Internship Duration: June 15–August 15 2014 Date of Submission: August 20, 2014 SUPERVISOR MOHAMMAD AKTARUZZAMAN KHAN ASSOCIATE PROFESSOR DEPARTMENT OF BUSINESS ADMINISTRATION FACULTY OF BUSINESS STUDIES INTERNATIONAL ISLAMIC UNIVERSITY CHITTAGONG SPRING 2014 LETTER OF TRANSMITTAL 25 Augest, 2014 The Dean Faculty of Business Studies International Islamic University Chittagong (IIUC) Subject: Internship Report Dear Sir, Assalamu A’laikum Wbt. Wrt. This is my immense pleasure submitting my internship report based on the topic of Recruitment and selection of Standard Bank. This report is the upshot of my internship programme that correlated my academic study with practical organizational experience. During my internship period in Standard Bank (SBL), I have come to know, how actually, a commercial bank of high standard...
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...Chapter 8 – Developing a brand equity measurement and management system * Indirect approach: assess potential sources of CBBE by identifying and tracking consumers’ brand knowledge. * Direct approach: assess the actual impact of brand knowledge on consumer response to different aspects of the marketing program. * Brand equity measurement system: set of research procedures designed to provide marketers with timely, accurate, and actionable info about brands so they can make the best possible tactical decisions in the short run and strategic decisions in the long run. * New accountability- return of marketing investment. * Measuring the long-term value of marketing in terms of both its full short term and long-term impact on consumers is crucial for accurately assessing ROI. Brand Audits * Brand audit: a comprehensive examination of a brand to discover its sources of brand equity. Assesses the health of the brand, and suggests ways to improve and leverage its equity. * 2 steps in a brand audit: brand inventory and brand exploratory. * Marketing audit: comprehensive systematic, independent and periodic examination of a company’s marketing environment, objectives, strategies, and activities with a view of determining problem areas and opportunities and recommending a plan of action to improve the company’s marketing performance. * Brand inventory: provides a current profile of how all the products and services sold by a company are marketed...
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...runner under Bowerman. The partnership began in 1962 as Blue Ribbon Sports (BRS); their first-year sales totalled $8,000. In 1972 BRS changed its name to Nike, named after the Greek winged goddess of victory. Nike employs 22,000 people worldwide, from Nike World Headquarters in Oregon. With 1,500 employees working at the Laakdal Customer Service Centre, Belgium has the most employees of any EMEA (Europe, Middle East and Africa) country. The Netherlands is a close second, with 1,200 employees working at the European HQ in Hilversum. Nike is the number one athletic footwear company in the US and the number two American brand in terms of name recognition among overseas consumers, a status shared with IBM and second only to Coca-Cola. This high degree of recognition is probably one of the main reasons Nike has been so immensely successful. For the 2001 fiscal year sales in the US were $4,819m, up 2% from 2000. 51% of Nike revenue is generated by sales in the US. In Europe, sales were $2,585m, up 7% from 2000. Despite their healthy levels of growth, analysts forecast a change in Nike’s future. Although the company remains well managed, experts feel the company will have to work harder to grow in the future. Consumers are becoming less than enthralled with...
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...runner under Bowerman. The partnership began in 1962 as Blue Ribbon Sports (BRS); their first-year sales totalled $8,000. In 1972 BRS changed its name to Nike, named after the Greek winged goddess of victory. Nike employs 22,000 people worldwide, from Nike World Headquarters in Oregon. With 1,500 employees working at the Laakdal Customer Service Centre, Belgium has the most employees of any EMEA (Europe, Middle East and Africa) country. The Netherlands is a close second, with 1,200 employees working at the European HQ in Hilversum. Nike is the number one athletic footwear company in the US and the number two American brand in terms of name recognition among overseas consumers, a status shared with IBM and second only to Coca-Cola. This high degree of recognition is probably one of the main reasons Nike has been so immensely successful. For the 2001 fiscal year sales in the US were $4,819m, up 2% from 2000. 51% of Nike revenue is generated by sales in the US. In Europe, sales were $2,585m, up 7% from 2000. Despite their healthy levels of growth, analysts forecast a change in Nike’s future. Although the company remains well managed, experts feel the company will have to work harder to grow in the future. Consumers are becoming less than enthralled with...
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...Role of local Government ministry In Bangladesh economy Submitted to Shahnawaz Mohammad Rafi Faculty of Economics American International University-Bangladesh Submitted by Islam Md. Ashraful 09-14107-2 Mow Farzana Sultana 09-18984-2 Dewanjee Tushar Kanti 09-13918-2 Md. Faisal Al Imran 09-13998-2 Imtiaz Ashfaq 09-13932-2 Islam Md. Rashedul 09-14203-2 Role of local Government ministry In Bangladesh economy Bangladesh is a poor country. Most of the people live below the poverty line. Our GDP depends on Agriculture and industry. As a newly independent (1971) country Bangladesh is struggling with huge population, low per capita income, mass poverty, unemployment and underemployment, illiteracy, child labor, malnutrition, corruption, and related social problems. The economy of the country is poor and based on the rural agricultural sector, but natural disasters - mainly floods, affects the economy annually which delays economic progress. Rural-urban disparity in terms of per capita income, consumption, education, health facilities, and physical infrastructure is an important developmental issue in Bangladesh. The Government of Bangladesh and a significant number of non-government organizations (NGOs) are working to improve the socioeconomic conditions of rural poor people of the country. To improve the economic development of the country the local Government ministry should work for it. Bangladesh economy depends on some several sectors...
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...On Pepsi Cola International Nau-Bahar Bottling Company, Gujranwala Submitted To: HR Executive Mr. Basharat Zia Submitted By: Afnan Umar Khan Kashif Mahmood Salman Dar Syed Sajjad Haider Date of Submission: University of the Punjab, Gujranwala Campus University of the Punjab, Gujranwala Campus Lahore School of Economics, Lahore Baha-ud-Din Zikriya University, Multan 28.08.2010 NBC, 38 S.I Gujranwala, Pakistan. University Of the Punjab, Gujranwala Campus Page 1 Internship Report On NBC Introduction to Report This report is about Pepsi CO. (Nau-Bahar Bottling Company). This report is the part of my B.Com(Hons) degree which is compulsory for us to complete internship in any organization. The purpose of this internship is to provide an opportunity to the students to observe the practical applications of their background professional study. In this report I¶ve given the brief history of the Pepsi CO. and about Nau-Bahar Bottling Company, departments of the NBC, their functions and working of the some departments as well. I also include work done by me in NBC and Financial Analysis of the PEPSI CO and SWOT analysis of the NBC. And finally give the recommendations about the working of NBC. University Of the Punjab, Gujranwala Campus Page 2 Internship Report On NBC A brief History of Pepsi Born in the Carolinas in 1898, Pepsi-Cola has a long and rich history. The drink is the invention of Caleb Bradham (left), a pharmacist and drugstore owner in New Bern...
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...BSBRES401A analyse and present research information p85 q5 Employee Job Satisfaction for flexible working Please take a few minutes to tell us about your job and how the organization assists you | Strongly Disagree | Somewhat Disagree | Neither Agree nor Disagree | Somewhat Agree | Strongly Agree | I feel encouraged to come up with new and better ways of doing things. | | | | | | New work ways gives me a feeling of personal accomplishment. | | | | | | I have the tools and resources to do my job well. | | | | | | On my job, I have clearly defined quality goals. | | | | | | The Company does an excellent job of keeping employees informed about matters affecting us. | | | | | | When a customer is dissatisfied, I can usually correct the problem to their satisfaction. | | | | | | I understand why it is so important for (Company name) to value diversity (to recognize and respect the value of differences in race, gender, age, etc.) | | | | | | My job makes good use of my skills and abilities. | | | | | | My supervisor’s manager visibly demonstrates a commitment to quality...
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...FUN IN THE WORKPLACE: TOWARD AN ENVIRONMENT-BEHAVIOR FRAMEWORK RELATING OFFICE DESIGN, EMPLOYEE CREATIVITY, AND JOB SATISFACTION By ALEXANDRA M. MILLER A THESIS PRESENTED TO THE GRADUATE SCHOOL OF THE UNIVERSITY OF FLORIDA IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE DEGREE OF MASTER OF INTERIOR DESIGN UNIVERSITY OF FLORIDA 2005 Copyright 2005 by Alexandra M. Miller ACKNOWLEDGMENTS First, I would like to thank my committee chair, Dr. Margaret Portillo, for her direction and guidance throughout the entire research process. I would also like to thank Dr. M. Joyce Hasell for her support and valuable expertise. Additional thanks go to Dr. Larry Winner for his indispensable assistance as a statistical consultant. I would also like to thank PUSH for providing an excellent example of a fun workplace. In particular, I would like to thank partners John Ludwig, Chris Robb, and Rich Wahl for allowing me to conduct a case study of their business. Additional thanks go to Ron Boucher, Jourdan Crumpler, and Gordon Weller for taking the time to participate in interviews. I would also like to express my gratitude to Kathryn Voorhees for her help, humor, and friendship as she accompanied me throughout the research process. Finally, I would like to thank all of my friends and family for their support. In particular, I would like to thank to my parents for their constant support and for helping me to achieve my dreams. iii TABLE OF CONTENTS page ACKNOWLEDGMENTS ..........
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