Marketing Essential Assignment Example | Topics and Well Written Essays - 2500 words

Marketing Essential - Assignment Example The return on assets of the bank was only 0.65% as compared to the average industry return approximated to be only 0. 81%. According to research, this low performance was due to the low interest from the public sector, that gives about 48% of the deposits and 28% of the loans (Thomas 2001). The country's government, in its proposed housing report has given a directive to the Bank to give 100% mortgage finances to its civil servants for three years (Roger 2000). The strategic plan of the Bank for the period starting 2001 to 2004 does not however include this directive from the government, as the competition for the deposits is still high . This situation therefore is a clear indication that the Bank has a great task to manage and give funding for this kind of loan deposits if it's to work with the guidelines of the Central Bank. The government, however, has given the Bank an opportunity to increase its market share as the deal would generate more money. Therefore, there need to raise the required money through deposits, while giving the Bank a greater market share in the local industry and increase the profits for the bank in the coming three years. This has been analyzed by looking at both the internal and external factors. The external factors has taken a look at the â€Å"macro-environment† , and the rivals in the market, while the internal factors was the analysis of the performance of the Bank, its management, infrastructure, the mission statement and its market coverage. There was the â€Å"SWOT† analysis that was aimed at identifying the Bank's strengths, weakness, opportunities and the threats. The analysis gives the Bank an indication that their need to change the strategies the bank used that and to give the market coverage the importance. This does not show that the Bank should ignore its existing market such as giving service to the public sector but refocusing the already being used mission. This would help the bank to achieve her stat ed objectives over time. Introduction The directive by the government to the Bank to give mortgaging, financing to the public servants puts the bank in a hard situation to get the deposits required to finance these servants. The mortgages will have a repayment period of 15 years with the interest rates based on 7. 5 per annum. The mortgage amount the Bank is expected to raise for the civil servants is $ 65 million and according to a research the new mortgage plan is to amount to $10 million in the first year, $18 million in the second year, and $37 million in the third year. This marketing plan for the Bank is intended to enable it raise the required funds for the directive, while to secure a strong position in the market industry and get higher profits for the 3 year period and the future plan (Carl 2000). In order to achieve this objective, the Bank had to deal with the issue of retaining the existing customers, come up with new customers, raise the $65 million to fund the civil s ervants over the next three years, increase her market share, maintain loans to deposit ratio to be in line with central bank's guidelines (appendix A), and to increase the company profits (Mintel 2001). Analysis of the Company Situation Competition In the country, there are four other related banks that offer similar services as the Kenya Commercial Bank. The banks include, the Barclays bank, the Standard Chartered bank, the Equity Bank, and K-Rep bank. These banks have all been successful in their

Proposing a Solution on Texting While Driving Essay

Proposing a Solution on Texting While Driving - Essay Example period. In other words, it amounts to something like a driver covering a length of football field at a speed of 55 mph without looking at the road. In another study carried out in 2008 it has been mentioned that over 800,000 Americans were texting or making calls, during the same year over 6,000 Americans were killed because of distracted driving and cell phone usage is one of the major reasons. Considering the extent of loss to the life that cell phone usage, specifically texting, there has been a Federal ban on texting while driving for commercial vehicle drivers. The defaulters may be subject to fines up to USD 2,750. But even after this ban the scene has not changed significantly. In order to propose a solution to address the issue of texting while driving it may be meaningful to understand the cause that leads the drivers to text. One of the national insurance agencies in America conducted a survey of over 1500 drives, nationwide. As per the findings of the survey, the key reaso n for people to use cell phones while driving is (Deleon) â€Å"social etiquette† demands that people be in constant contact with each other, so people feel pressured to responds immediately to text messages and phone calls.† This issue may be very difficult to be addressed comprehensively by adopting just one solution. Such issues can be addressed by two types of solutions, these are i) technology based solutions and ii) by bringing about a behavioral change in the actors concerned, in this particular case drivers are the key actors. In this paper, I would like to propose a solution that aims at kindling a behavioral change in the drivers. The justification for adopting such an approach is centered on the reason for which the people get urged for texting. The key audience in this proposal is the policy makers and society in general who are usually the drivers of social and behavioral change amongst people. If the audience, as I would propose in the next section, adopts the behavioral change strategies, I believe that there would be a considerable improvement in the statistics pertaining to texting while driving. It is also important to note that the proposal that I present is even though relevant for all drivers, but has specific benefits for commercial vehicle drivers. These are the ones exposed to high risks. The proposal is presented in the table below: Strategies of principle In order to induce a behavioral change amongst commercial drivers, I propose that the telecom companies should mandatorily send Statutory Warning about the dangers of texting while driving (TWD) before each text they send such as â€Å"TWD multiplies the risk of crash incidents by 23 times.† or â€Å"You might not be able to see the person whom you text if you text while driving.† Similar warnings may also be placed on strategic places inside the car. It is the job of the policy makers to ensure that each cellphone operators comply with this regulation. Con sequences of actions The consequences of this solution are anticipated to be: Subconscious learning by every cell user about the fallouts of TWD Advocate and Amplify the cause and risks of TWD Fall in the number of TWD accidents Analogies Advertisers, social marketers and policy makers have successfully applied Statutory Warnings in order to modify behaviors with respect to other unhealthy habits such as smoking, HIV/AIDS, toys using LASERS etc. Texting while driving is already being seen as a one of the unbending issue for all

Theology Exam Essay Example | Topics and Well Written Essays - 1000 words

Theology Exam - Essay Example pective of the perception one has to consider the formation, the majority has started to appreciate that the situation of the bionetwork is declining due to the wasteful ways of humans. A number of individuals are certain that the risk of a universal calamity can be avoided. For some, there is the conviction that if appropriate learning as well as economic safety can be given to everyone, people can act in a responsible manner. Others are anticipating that the technology will show them a â€Å"miracle cure† via things such as â€Å"contamination-free energy and wonder drugs† (Bouma-Prediger, p. 152). Hoping for such solutions is useless because it would merely take care of the warning signs, as though the troubles will leave on their own. Without the worldview that Christians infer from Bible, attempts to solve the problems will not be tackling the actual concerns. According to Christian’s belief, it is not the things that people do that are unhygienic, but it is what flows out of their hearts; the attitude of humans is merely a part of the problem. Post-modern Christianity is as complicated to lock down in a precise definition as post-modernism itself. What began during the 1950s within structural design as a response to modernist thinking and technique was quickly approved by the art as well as literary world during 1970s and 1980s. The Church did not actually think about this consequence until the late 1990s. This response was a closure of â€Å"cold, hard† (Waters, p. 142) reality in support of â€Å"warm, fuzzy subjectivity†. One can imagine anything known to be post-modern and then attach Christianity into that perspective and he will get the idea about post-modern Christianity. Post-modern Christianity is similar to fundamental post-modernist thoughts. It is regarding â€Å"experience over reason, subjectivity over objectivity, spirituality over religion, images over words, and outward over inward† (Waters, p. 156). However, the positive or negative aspect

America in Transition 1801-1848 Assignment Example | Topics and Well Written Essays - 500 words

America in Transition 1801-1848 - Assignment Example President Jackson asserted that removing the Indians was necessary in order for them to maintain their culture, which could not be possible if they mixed up with the Americans. He announced that the two major tribes of the Indian community had already agreed with the terms for their removal, and supported this by saying that this was a good example to the rest, who would soon follow the same path as they seek similar compensation (Lewis 2001). The building of the Erie Canal illustrated the confluence of a vision. It took 15 years to be completed beginning from 1817 to 1832. It was viewed by many as the dream of Washington, who is believed to have a great understanding of the significance of transport and communication in nation-building. However, he did not live to see the completion of the canal (Bernstein 2005). It created a significant landing point for the sea vessels at New York City. The river barges were used for transportation of the cargo from these vessels to far places such as Chicago. The canal facilitated the growth of the New York City which became a major port in the United States. With time, Chicago also followed similar developments as in New York City. The population of the two cities rose as the two cities became the largest of all the cities in America. Construction of the canal received public support, notably from particular public officials who according to (Bernstein 2005) included â€Å"people such as Morris, who represented the first Continental Congress†. Bernstein further notes that the public was excited regarding the canal as they saw it as a major step towards achieving prospects of acquiring the capability of transporting commodities which included salt and others such as gypsum to far places through it. This was not possible before the construction of the canal. There used to be no trading activities between merchants from the East and the West.

The Myths of Negotiating Dark Networks Article Example | Topics and Well Written Essays - 500 words

The Myths of Negotiating Dark Networks - Article Example They clarify that â€Å"in contrast to hierarchies, networks lack top-down command and authoritative dispute settlement† (2008: 11). While they acknowledge the commonly cited advantages of networked actors – efficient communication and information processing, scalability, adaptability, resilience, and learning capacity – they rightfully caution that all of these may not apply to every type of network. Eistrup-Sangiovanni and Jones identify three kinds of networks: the chain network, the wheel network, and the all-channel network. Illicit networks are primarily of the first two variants and many, if not most, suffer from â€Å"inefficiencies and short life-cycles† (2008: 17). The scholarship on networks, they claim, pays scant attention to historical evidence and extant studies of terrorism, insurgency, and organized crime. Dark networks suffer from information limitations and communication failures, poor decision-making and excessive risk-taking, restrictions on scope and structural adaptability, collective action problems due to (lack of) coordination, frequent security breaches, and learning disabilities (2008: 19-33). Using these limitations as an analytical framework, Eistrup-Sangiovanni and Jones examine the organizational structure of the al-Qaida, which appears to be a robust network-based threat in the 21st century. The al-Qaida’s potency draws a lot from a hierarchical organization, which has been increasingly difficult to maintain as the group comes under sustained international pressure. Its capacity to undertake major operations – like the â€Å"9/11† attacks – dwindles as it more closely resembles a loosely structured network of actors; indeed, there have been more failed attempts than successful attacks since 2001 (2008: 35-40).

Assignment Example | Topics and Well Written Essays - 1000 words - 5

Assignment Example Some of these programs have shown great success, while others have not. The purpose of this paper is to examine specific population issues in China, India, and Japan and to determine what practices are currently working, and what still remains to be done. China China is now well over a population of 1.4 billion people and it continues to grow. This amounts to a staggering figure of twenty percent of the global population. Because of this China, is now facing serious social and economic problems as a result of this burgeoning population. Population strain has lead to a depletion of land and natural resources, caused severe pollution problems, and had lead to deplorable living conditions amongst the poorest of the Chinese people (Qu, Cui, Yan, Peng, & Zhang, 2011, p. 2077). One can say, however, that the Chinese government saw these problems coming and have worked feverishly to do something about it. In 1979, China implemented the famous one-child policy. Beyond one child, families wou ld be taxed up to 50% of their income or possibly lose their employment, making it unlikely that many would violate the policy. In the end, families who agreed to have only one child would receive certain benefits. Women who got pregnant without authorization or by accident were encouraged to terminate their pregnancy. The result of this program has been mixed. Fearing punishment, many government official falsified population reports, leading to estimates that the number of births reported in China may be off by as many as twenty-seven percent. In the end, population growth has slowed somewhat, but at great costs. There have been political consequences, as many Western countries have criticized China for the policy, particularly their views on birth control and the rampant termination of pregnancies. China has, however, seen tremendous economic growth in recent years, but many fear that there will soon be an imbalance of males and females in the country. This is a result of many Chi nese families working to have a male as their only child, causing an imbalance in the ratio of males to females (Fischer, Winiwarter, Cao, & Ermolieva, 2012, p. 246). If this continues, there will be a reversal in population growth as time goes on, making it difficult for the younger generation to support a growing and sizeable elderly population. India Like China, overpopulation in India a serious concern and one that needs to be addressed. Unlike China, however, India has been able to do little to reverse the trend. India still has the majority of its population living in abject poverty. Add to this the fact that India has not progressed much in the way of feminine rights in recent decades, and one can easily see why the population has gotten out of control (Bloom, et. al., 2010, p. 18). The government has attempted through the years to reduce population growth, but most have not succeeded to any great extent. The ironic part of this problem is that India has sufficient land size and a lot of agricultural potential to support the over one billion that live there. The reality is, however, that the resources are not equally distributed and that a majority of the people of India is not having their basic needs being met. Indian, being faced with the reality that they simply cannot handle the population growth that is occurring, has attempted to

Planning Assessment Essay Example for Free

Planning Assessment Essay When planning assessment you need to gauge a clear idea of what level the candidate is at to see if they are ready to complete your planned assessment. There are many ways of achieving this knowledge. One method is observation in performance or another by taking an initial assessment test which have seven levels with the basic entry level 1 being the first. Once this knowledge has been gained, further knowledge is needed to suit their needs. What is their preferred learning style, is it part of a group or on a one to one basis. You will need to find out their strengths and weaknesses to get the most out of their abilities but also to work around and improve on different area that need to be worked on. When this has all been achieved the learners will need to be given information about the planned assessment. First of all they will need to have an understanding of what they are about to study, explaining what they need to do to meet the criteria set by OFQUAL – the governing body of the qualifications. They will need to understand what is expected of them when attending the course by giving them the code of conduct for them to follow. It is important that the health and safety procedures are explained to ensure their safety throughout their assessment. After this has been completed, the learners will be given the folder to look through and their assessment plan to see how they will complete it. 3. 3 EXPLAIN HOW TO PLAN A HOLISTIC APPROACH TO ASSESSMENT By taking a holistic approach to assessment, it can provide the learner with a more in depth report on their progress by covering all the different methods – observations, session plans, witness testimonies, knowledge evidence and professional discussion across all the units in one go. This allows me to understand the different kind of approaches each individual learner feels comfortable with to achieve the highest possible grade. 3. 5 EXPLAIN HOW TO MINIMIZE RISKS THROUGH THE PLANNING PROCESS It is the responsibility of the assessor to minimise the risks by making sure all of the health and safety procedures are covered such as risk assessment of the facilities. The assessor needs to gather information that is personal from the learner in order to adapt and provide special needs that they might have. Also the assessor will need to treat all learners equally, ensuring that equality and diversity issue are met. Once this information has been gained, the assessor can then produce an action plan for the learner which is both realistic and achievable so they are comfortable to achieve the best possible results. 4. 1 EXPLAIN THE IMPORTANCE OF INVOLVING THE LEARNER AND OTHERS IN THE ASSESSMENT PROCESS Peer and Self Assessment is an effective way to get the learners involved and it gives a clear idea of what the learner is currently at and what action is needed to meet the standards and criteria. This can be done through feedback. Feedback is a vital part of the assessment process as it gives the assessor an idea of if the learner has met the criteria set and if they haven’t, what action is needed to achieve the criteria. If there is a disagreement with the assessments carried out then the learners can follow the organisational procedures that are set in place which include grievance procedures, systems for appeals and confidentiality procedures. 4. 2 SUMMARISE TYPES OF INFORMATION THAT SHOULD BE MADE AVAILABLE TO LEARNERS AND OTHERS INVOLVED IN THE ASSESSMENT PROCESS. The first thing that should be made available to the learners and those involved in the assessment process is what the reason is for assessment. The NVQ award is structured for a candidate to provide evidence through practical assignments and portfolio evidence that is gained throughout the qualification. They will also need to know how long they have to complete the course which is up to the assessor. By giving them information on deadlines then it will ensure tasks are not left until the last minute which could affect the standards of the work. One other type of information that they will need to know is what the criteria is for them to achieve the grade. Each qualification has a minimum requirement needed to be met and once they learner knows this, they can work towards meeting it and gaining the qualification. 4. 3 EXPLAIN HOW PEER AND SELF ASSESSMENT CAN BE USED EFFECTIVELY TO PROMOTE LEARNER INVOLVEMENT AND PERSONAL RESPONSIBILITY IN THE ASSESSMENT OF LEARNING Peer and Self-Assessment can be used effectively within the learners when one of the group has difficulty within a task. Learners can interact with each other and help each other out which would be a lot less intimidating and in some situations embarrassing for shy and insecure learners than an assessor telling them they are right or wrong in front of the rest of the group. 6. 3 SUMMARISE THE PROCEDURES TO FOLLOW WHEN THERE ARE DISPUTES CONCERNING ASSESSMENT IN OWN AREA OF PRACTICE If there are disputes concerning assessment in own area of practice then the procedures to follow are as follows: First of all the assessor has to be available to discuss the problem as it could be sorted out quickly and effectively through discussion. If the learner feels they want to take it further then they can take the steps to show their disagreement which will be listed in their ‘Student Handbook’ given to them at the beginning of the course. This includes a formal written complaint to the assessor’s superior which they will then deal with in an efficient and non-discriminatory way, treating the claim with upmost confidentiality where they will decided whether to uphold or overturn the assessor’s original decision. 7. 2 EXPLAIN HOW FEEDBACK AND QUESTIONING CONTRIBUTE TO THE ASSESSMENT PROCESS Feedback and Questioning can help learners improve on a specific task. Feedback provides correction and improvement on a piece of work. Not only can it correct or improve the work but it can be used as encouragement or motivation to a learner especially when they are doing well or think they are not doing well.