...Improve housing finance access for poor – study May 28, 2015 9:15 pm by VOLTAIRE PALAÑA REPORTER * * * A POLICY paper by the Philippine Institute for Development Studies (PIDS) is calling for the creation of a more favorable environment for housing finance in the country, as well as the adoption of appropriate policies and mechanisms to correct housing market dysfunctions. One of the underlying issues with housing policies in the Philippines, for instance, is the traditional perception that a housing finance system is based primarily on the provision of government subsidies, resulting in a highly-segmented and unsustainable program that does not benefit those who deserve it most. PIDS senior research fellow Dr. Marife Ballesteros noted in her latest study on urban housing subsidies that, despite policy changes through the years, the public sector housing program still does not address the problems on scale. Ballesteros explained that subsidies for housing programs, whether through upfront grants, government direct funding, low interest mortgages, tax exemptions or underpriced risk insurance, could have been put into more efficient use by the government. “Overall, direct subsidy to the low-income housing sector has been limited,” said Ballesteros, adding that in an effort to reduce losses from financial transactions, government has further restricted financing to the low-income sector through lower exposure of funders and the higher loan ceilings on socialized...
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...Executive Summary Everyone is ignorant, only on different subjects. To learn is to acquire knowledge or skill. Learning also may involve a change in attitude. Learning is not just a change in attitude; it is a change in the way a man thinks, understands, or feels. Learning some things depends on other perceptions which have preceded these learning’s, and on the availability of time to sense and relate these new things to the earlier perceptions. Thus, sequence and time are necessary. After studying the theoretical aspect of a subject matter, understanding its practical implications is one of the prime steps of learning. Our assignment is on history of legendary and successful Entrepreneur, which is fully in the organizational context. During the process of preparing this assignment, we could enrich our knowledge about many aspects of the Entrepreneurial Management that we have explored with the light of our limited knowledge. The most successful men in the end are those whose success is the result of steady acceleration. Therefore, we have chosen Sir Fazle Hasan Abed - a living legendary leader, organizer, risk taker and an innovator who has cosmopolitan acceptance to complete our assignment. His life history as a successful entrepreneur inspired us to take extra interest and effort to know about him and we have become more resourceful on this living legend. SIR FAZLE HASAN ABED - A SUCCESSFUL ENTREPRENEUR Born 1936 (age 74–75) Baniachong, British India (now...
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...ASOCIO Policy Paper CORPORATE SOCIAL RESPONSIBILITY Date: June 2004 Table of Contents 1 CORPORATE SOCIAL RESPONSIBILITY ........................................................... 2 1.1 What is corporate social responsibility? ........................................................ 2 1.2 Asia Pacific Perspective ................................................................................ 2 1.3 Corporate Social Responsibility: Unlocking the value................................... 3 1.4 World Economic Forum & CSR ..................................................................... 3 1.5 Case Studies ................................................................................................. 4 1.6 Should ASOCIO have a role? ....................................................................... 5 CORPORATE SOCIAL RESPONSIBILITY ASOCIO Policy Paper June 2004 1 CORPORATE SOCIAL RESPONSIBILITY Corporate Social Responsibility (CSR) is becoming an increasingly important activity to businesses nationally and internationally. As globalisation accelerates and large corporations serve as global providers, these corporations have progressively recognised the benefits of providing CSR programs in their various locations. CSR activities are now being undertaken throughout the globe. 1.1 What is corporate social responsibility? The term is often used interchangeably for other terms such as Corporate Citizenship and is also linked to the concept of Triple...
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...sustainable economic growth. Corporate Social Responsibility Corporate social responsibility is or has previously by many been defined in terms such as: business ethics and corporate citizenship in the working environment, whether it is private companies or government entities and society. There is still ongoing debate on the proper mutual definition of corporate social responsibility. A very basic definition could be stated as “a commitment made by organizations to contribute to a better standard of living for its staff members, their families and society at large towards continuous economic growth” (Lockwood, 2004). The concept was first brought forward in the late 50’s: nevertheless it was during the late 70’s that scholarly research started to take off. “The centre of responsible business (CRB) explains CRS as being an extensive set of action, administration, procedure and practice that are at the very core of corporate culture, and the decision forming practice throughout an organization. This is all inclusive of the actions taken in the past and also the significance of the actions that will be taken in the near future. Corporate social responsibility is over and above charity and calls for organizations to take full responsibility for the effect of its actions on all its stakeholders” (Rettab, 2008). A study of the Jumeirah Group of hotels gave me another meaning to define CSR...”the management of an organization’s beneficial impact on all stake holders and...
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...metaparagidm concepts and how the theory help us to improve the current nursing practices. Watson delivers many valuable impressions for nursing practice. •Watson ties different theories together which are frequently being used in clinical nursing practice. •The comprehensive explanations of the care factors which can provide direction to the nurses who desire to train as a bedside nurse or do nursing research. “Her accomplishments are the following - Recipient of numerous awards counting: an international Kellogg Fellowship in Australia, a Fulbright Research Award in Sweden and six Honorary Doctoral Degrees, including 3 International Honorary Doctorates (Sweden, United Kingdom, and Quebec) She was the 1993 recipient of the National League for Nursing Martha E. Rogers Award, which identifies a nurse academic who has made substantial donations to nursing information that advances the science of caring in nursing and health sciences. New York University recognized her as a Distinguished Nurse Scholar In 1999, the Fetzer Institute respected her with the national Norman Cousins Award in gratitude of her commitment to emerging, preserving and illustrating relationship centered care practices”.(http;//www.authorstream.com/2011) Jean Watson’s Theory of Transpersonal Caring also called Theory of Human Caring. It highlights the humanistic traits of nursing in amalgamation with...
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... 5 5.0 Recommendations 5 Bibliography Appendix 1.0 Introduction As part of my HNC Administration and IT course I have been asked by my communication lecturer to investigate and write a report by delivering a concrete understanding outlining the benefits of being green to the environment and the organisation. It will explore one of the UK’s revolutionary greenest hair salon Élan Hair Design. The report was to be submitted by 01/10/14 and the recommendations that were asked for were: * To research the environment and the need for sustainability and apply it to a hairdressing business. * To research green business practices and apply it to a hairdressing business. * To research green ICT and apply it to a hairdressing business. * To assess customer demand for Environmental friendly products and apply to a hairdressing business. 2.0 Terms of Reference For research, this report used the internet and a questionnaire 3.0 Findings 3.1 Sustainability Sustainability is supporting long term ecological balance by using natural resources protecting human health and the environment; it is important to have the water, materials and the resources now and continue to have in the future. (EPA Environmental Protection...
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...PARTNERS IN GOVERNMENT, BUSINESS AND CIVIL SOCIETY TO DEVELOP AND IMPLEMENT EFFECTIVE MEASURES TO TACKLE IT. www.transparency.org WE ARE A GLOBAL MOVEMENT SHARING ONE VISION A WORLD IN WHICH GOVERNMENT, POLITICS, BUSINESS, CIVIL SOCIETY AND THE DAILY LIVES OF PEOPLE ARE FREE OF CORRUPTION Editors: Alice Harrison and Michael Sidwell Design: Sophie Everett Cover photo: © Reuters/Yannis Behrakis Every effort has been made to verify the accuracy of the information contained in this report. All information was believed to be correct as of June 2011. Nevertheless, Transparency International cannot accept responsibility for the consequences of its use for other purposes or in other contexts. ISBN: 978-3-935711-79-1 Printed on 100% recycled paper. ©2011 Transparency International. All rights reserved. This report provides a snapshot of how the Transparency International movement was active in the fight against corruption in 2010. For the purpose of conciseness, national chapters, national chapters in formation and national contacts are referred to as chapters, regardless of their status within Transparency International’s accreditation system. Visit www.transparency.org/chapters for their current status. WELCOME During 2010 we continued to see the terrible cost of corruption. Sixty-four million more people were pushed into poverty since the financial crisis struck, according to the World Bank. Such tragedies make us ever more resolved to make a difference through our work. Throughout...
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...History of Proctor & Gamble William Procter & James Gamble 1837 Neither William Procter nor James Gamble ever intended to settle in Cincinnati. Although the city was a busy center of commerce and industry in the early nineteenth century, William, emigrating from England, and James, arriving from Ireland, were headed farther west. Despite their intentions, however, both men ended their travels when they arrived at the Queen City of the West—William took care of his ailing wife, Martha, who soon died, and James sought medical attention for himself. William Procter quickly established himself as a candle maker. James Gamble apprenticed himself to a soap maker. The two might never have met had they not married sisters, Olivia and Elizabeth Norris, whose father convinced his new sons-in-law to become business partners. In 1837, as a result of Alexander Norris' suggestion, a bold new enterprise was born: Procter & Gamble. On April 12, 1837, William Procter and James Gamble start making and selling their soap and candles. On August 22, they formalize their business relationship by pledging $3,596.47 apiece. The formal partnership agreement is signed on October 31, 1837. 1850 The Moon and Stars began to appear in the 1850s as the unofficial trademark of Procter & Gamble. Wharf hands used the symbol to distinguish boxes of Star Candles. By the 1860s, the Moon and Stars appeared...
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...Johnson & Johnson Johnson & Johnson is known around the world today as the most competitive and broadly based manufacturer of health care products. J & J also provides other services to the pharmaceutical and medical diagnostic markets. In 1887, three brothers, Robert Wood, Edward Mead, and James Wood Johnson set out to create Johnson & Johnson; which became one of the largest health care companies. The company started in Brunswick, New Jersey with only fourteen employees, today employs more than 110, 000 employees. J & J’s objective is to provide scientifically sound, high quality products and services to help, heal, cure disease and improve the quality of life. With their objective set high, J & J has social responsibility, sets guidelines for FrameworkS to help with creativity within the company, infuse ethics into its decision making, and strives to keep ahead of the competition in the fast paced market. The Johnson and Johnson (J & J) company has been motivated to accomplished its Credo which is its social responsibilities. J & J has been reaching out to support social and public health programs as well as medical educational initiatives around the world. Its Credo emphasizes the vision of Global responsibility toward communities in which they live in and work, its customers and global environment, employees, finally its stockholders. J & J’s community responsibility has been made by providing financial support, product donations and health care expertise through...
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...The Change Plan PROPOSALS BY THE CHANGE MANAGEMENT TEAM TO THE SECRETARY-GENERAL United Nations NEW YORK, DECEMBER 2011 The Change Plan TABLE OF CONTENTS Acknowledgement ........................................................................................................................................ 01 1. Executive Summary ................................................................................................................................. 02 2. Introduction ........................................................................................................................................... 09 3. Context ................................................................................................................................................... 10 4. The Secretary-General’s Vision ................................................................................................................ 12 5. Deliverable One – Enhancing Trust and Confidence: Towards a more stakeholder and client-oriented organizational culture ............................................................................................. 13 6. Deliverable Two – Engaging Staff: A global, dynamic, adaptable, meritocratic and physically secure work force. .......................................................................................................... 19 7. Deliverable Three – Improving Working Methods: A more open and accountable UN with streamlined procedures...
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...Controversial Issues in Entertainment Paper COM/225 Today there are various different controversial topics that can be found all across the mass media. As time continues on into the future one can also look at the timeline of controversial topics throughout history and see how the public perception has also changed as time has progressed. The change of public opinions overtime may very well be due to the fact of how the media presents the topic to the public. The portrayal of a certain controversial subject can either demonize or glorify a particular topic all depending on the public’s mindset during that specific time and the presentation of the story. Such specific controversial topics overtime to name which created this bias include: Freedom of Speech, African-American rights, women’s rights, racism, and the topic of In God We Trust vs. Freedom of Religion in America. These are just a few to name from previous years as today’s ethical issues include: war, same sex- marriages, legalization of marijuana, divorce, crime increase, equality, and Global Warming. The different forms of communication that have been used to reach the mass media overtime are the newspaper, telegraph, radio, magazines, television, and internet. The definition of the news can be classified into two concepts. “News and newsworthiness”, that means that the main objective of the press is to release information about significant changes that can affect a large group of people...
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...Helen Keller's Family Helen Adams Keller was born a healthy child in Tuscumbia, Alabama, on June 27, 1880. On her father's side she was descended from Colonel Alexander Spottswood, a colonial governor of Virginia, and on her mother's side, she was related to a number of prominent New England families. Helen's father, Arthur Keller, was a captain in the Confederate army. The family lost most of its wealth during the Civil War and lived modestly. After the war, Captain Keller edited a local newspaper, the North Alabamian, and in 1885, under the Cleveland administration, he was appointed Marshal of North Alabama. When Helen Keller Met Anne Sullivan At the age of 19 months, Helen became deaf and blind as a result of an unknown illness, perhaps rubella or scarlet fever. As Helen grew from infancy into childhood, she became wild and unruly. As she so often remarked as an adult, her life changed on March 3, 1887. On that day, Anne Mansfield Sullivan came to Tuscumbia to be her teacher. Anne was a 20-year-old graduate of the Perkins School for the Blind. Compared with Helen, Anne couldn't have had a more different childhood and upbringing. The daughter of poor Irish immigrants, she entered Perkins at 14 years of age after four horrific years as a ward of the state at the Tewksbury Almshouse in Massachusetts. She was just 14 years older than her pupil Helen, and she too suffered from serious vision problems. Anne underwent many botched operations at a young age before...
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...Abstract This paper discusses the definition and importance of a responsible and reputable business using TOMS as an example. Topics discussed are the environmental, economic, and social responsibilities of TOMS and they affect society. A Socially Responsible Company There are over 100 global trends to watch for in 2012. According to JWT Intelligence, the world's best-known marketing communications brand, the top ten trends will define and shape the future of the world. The number four trend in their video presentation is the rise of shared value. Rather than simply doling out checks to good causes, some corporations are starting to shift their business models, integrating social issues into their core strategies, aiming to create shared value. This concept reflects the growing belief that generating a profit and achieving social progress are not mutually exclusive goals. For example, Philips is collaborating with the Dutch government in a bid to provide affordable, sustainable energy solutions to some 10 million people across 10 sub-Saharan African nations by 2015. (Walter Thompson Company, 2009-2012) Another company demonstrating excellent social responsibility is TOMS. It is the belief of TOMS that they can improve people’s lives through business. They strive to operate with ethical responsibility. “One for One,” the famous slogan from TOMS Shoes, promises a new pair of shoes to a child in need for each pair purchased. The movement was started in 2006,...
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...are too large and complex to be solved by government and NGOs alone. Sustainable solutions to society’s problems can only be found through the collaboration and involvement of all who are part of it. Companies have tremendous strengths; they have extremely capable people, technology, access to money, the ability of geographical reach, etc. Many companies worldwide and now even in Pakistan are more powerful than governments and even countries, and thus corporate are important stakeholders in society. Our objective of the research is analysis of Pakistan’s major telecom companies to explore and understand the role that telecom corporate are playing and can play in finding meaningful solutions to the problems facing Pakistan today. RESEARCH OBJECTIVES: The general objective of our study is to identify how CSR is being understood and implemented in the Company’s business strategies with in the telecom industry of Pakistan. RESEARCH QUESTIONS: This research study is intended to answer the following questions: • Are the firms aware of CSR dynamics? • Do they consider CSR concept relevant to their own enterprise? • Are companies and firms interested in CSR topic? What...
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...Oprah Winfrey: An Inspiring Leader Of Today Rhonda Whiteman Central Methodist University Abstract A black female born in the Deep South to poor unwed parents, during the mid 1950’s, Oprah Gail Winfrey had very little chance of becoming one of importance, much less becoming the first black female billionaire in the world. This paper will explain Oprah’s difficult childhood and continue on into her adult life explaining how she succeeds not by chance, but through perseverance, generosity, and inner strength, she wears her heart on her sleeve and has the ability to listen to her public in a way that no other has achieved. She inspires hope and inspiration to millions by sharing her imperfections of just being Oprah, overcoming diversity, proving to her faithful audience that anyone’s dream of success can truly become a reality. Biography Life for Oprah Gail Winfrey started out January 29, 1954 in a small poor town deep in the south of Kosciusko, Mississippi. An unwed mother named Vernita, informed Oprah’s father about the conception after she was born. Vernita realized that she could not make a living for her and her young daughter, so the decision was made to leave Oprah with her paternal grandmother, while Vernita moved to Milwaukee. Oprah was a very bright child learning to read by the age of three, and appeared in front of her first audience for her church Easter program. Oprah at a young age, moved...
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