What is financial inclusion? term as “the process of ensuring access to financial services and timely and adequate credit where needed by vulnerable groups such as weaker sections and low income groups at an affordable cost”1 Poverty versus financial inclusion: (a) India is home to one-third of the world’s poor‚ who make up 42 percent of the more than 1 billion Indian people; (b) out of India’s population‚ 76 percent‚ i.e.‚ 800 million people‚ live below the poverty line of $2.50 a day; and (c)
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Retail is the sale of goods and services from individuals or businesses to the end-user. Retailers are part of an integrated system called the supply chain. A retailer purchases goods or products in large quantities from manufacturers directly or through a wholesale‚ and then sells smaller quantities to the consumer for a profit. Retailing can be done in either fixed locations like stores or markets‚ door-to-door or by delivery. Retailing includes subordinated services‚ such as delivery. Retail marketing
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Today the world is more like a ’global village’ which was coined by the Canadian academic Marshall McLuhan in 1969. It was almost impossible that people from the southern hemisphere knowing what was happening on the other side of the planet before the 20th century. But now people from different countries can keep in touch with weak barriers of geography due to the advanced technology in communications. Without a doubt that the era of globalization is processing. Globalization may be defined as
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there are requirements to form a valid contract other than offer and acceptance‚ that are‚ intention to create legal relation and consideration. What is consideration? It can be describe as being something which represent either some benefit to the person making a promise or some detriment to the person to whom the promise is made. The term consideration is given to the subject that is exchanged in a contract.1 It is a fundamental prerequisite in English contract law. 2 The courts has explained the
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for more opportunities and success. As a result‚ American societies and their culture became more diverse. In the story‚ Daisy Miller‚ Henry James compared the values that people follow in the America and Europe. He did so by presenting main characters from different locations and compared their values and beliefs. Miller’s family‚ especially Daisy Miller‚ one of the main characters of the story represents America and its values. Whereas‚ there are several characters who represent Europe. As
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What kinds of industries tend to be better performers in the medium to long term? Why? What kinds of industries tend to do poorly in the medium to long term? Why? In determining the industries that performs better or poorly‚ it is important to note that better performance indicates better profitability and poor performance indicates loss or minimal profitability. Since we are considering medium and long-term performance we will be considering performance data ranging anywhere between three to
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The Positive and Negative Effects of Falling Oil Prices Over the last few months‚ oil and gas prices have dropped a significant amount‚ to much relief of American consumers. But is the falling cost of oil necessarily a good thing? For some the answer is no‚ but to others‚ yes. Here is a compiled list of some of the benefits and some of the disadvantages caused by the drop in price. The cost of filling up a tank of gas is the lowest it has been in 11 years. Consumers will spend an average of
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business opportunity A business opportunity consists of four integrated elements all of which are to be present within the same timeframe (window of opportunity) and most often within the same domain or geographical location‚ before it can be claimed as a business opportunity. These four elements are: • A need • The means to fulfil the need • A method to apply the means to fulfil the need and; • A method to benefit With any one of the elements missing‚ a business opportunity may be
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Do you think there can be too much participation in the community? Well according to some there isn’t enough participation going on in our communities at all. Citizen participation may be a process in which people take part voluntary or legally forced to do either alone or in a group. According to our book‚ communitarian view praises citizen participation not just in the voting but by participating in groups and working with their neighbors to solve the problems of the community. One way to participate
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TYPES OF CONTRACTS The risk shared between the buyer and seller is determined by the contract type. Although the firm-fixedprice type of contractual arrangement is typically the preferred type which is encouraged and often demanded by most organizations‚ there are times when another contract form may be in the best interests of the project. If a contract type other than fixed-price is intended‚ it is incumbent on the project team to justify its use. The type of contract to be used and the specific
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