Project Report On “ CAPITEC bank (South Africa) implementing the Bottom of Pyramid strategy ” Submitted To: Dr.Veena Dutta Prepared By: Fagun Naiyyer PGDM 2011-13 11GM021 Executive Summary Little research has yet been undertaken in South Africa about commercial banks that are servicing the microenterprise and micro lending market. The objective of this project was to investigate the key factors that should be considered by capitec bank in South Africa servicing the microenterprise market.
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throughout different countries. The racial classification and racial hierarchization of the world was a deeply established sociohistorical fact (Winant 135). The post-world war II break brought to light the long gestation of racial tensions that had accumulated in the modern world over centuries‚ and made it clear that a social and political change must occur. The process of slow institutional change but no social changes is evident in the United States‚ South Africa‚ and Brazil. In the beginning‚ the dehumanizing
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BM 0180 International Business Country Risk and Attractiveness Analysis on Brazil Group members: Lim Yan Han Joanne (123351F) Wong Ying Tiffany (125544C) Chee Mei Ting (123572H) Tan Lynn (121855A) Warren Nur Syafiqah Binte Moksin (122744H) Tutorial group: BM1222- HB Submitted To: Ms Cheong Yin Ye Presented on: 28 May 2013 Table of Contents Responsibilities Table 2 Brief background of selected country 3 Political 3 Economic 5 Socio-Cultural Factors 7 Technology 8
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Africa Bordered by the Indian Ocean to the east‚ Atlantic to the west and Mediterranean to the north; lies the continent as we know called Africa. The longest river‚ which runs about 4‚160 miles‚ is the Nile River and is the survival source for the African people. It provides mode of transportation‚ food and fertile land. Providing a route between the coast and the Sahara Desert‚ the slopes contain cedar‚ pine‚ cork and oak trees. The Sahara Desert separates northern Africa from the rest of
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PHYSICAL GEOGRAPHY 1. What are South America’s highest mountains? Andes Mountains 2. The Amazon River empties into what ocean? Atlantic Ocean 3. What body of water is south of Puerto Rico? Caribbean Sea 4. Latin America includes what 2 continents? North America and South America 5. What country connects Central America to South America? Panama 6. What country has the highest (altitude) capital city in the world? Mexico 7. Where are the Sierra Madre Mountains located? Mexico 8. Where
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than his peers and was believed to be one of the smartest men in Rome. While it has never been documented‚ it is also believed that he had some type of legal education. His legacy‚ however‚ would center on his love of music. In fact‚ Pope St. Gregory the Great is known as the patron of singers and musicians and this passion left what is known as the Gregorian Chants. It would have been a reasonable expectation that Gregory would go into some type of public office; perhaps even a political career. Instead
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To what extent was racial conflict the dominant social tension in the USA in the period from 1919-1929 During the period from 1919-1929‚ many social tensions came to the fore‚ however the social tensions however were to a large extent dominated by racial conflict. The economic boom of the 1920s saw a growing divide between the upper class and the working class‚ and a large amount of these workers where immigrants and African Americans. The growing disparity saw trade unions being formed‚ which aided
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Unilever in Brazil(1997-2007) Marketing Strategies for Low-Income Consumers Consumer Behavior Solomon(2009) defines consumer behavior as “Consumer behavior is the process individuals or groups go through to select‚ purchase‚ use and dispose of goods‚ services‚ ideas or experiences to satisfy their needs and desires”(p.148). While speaking about the consumer behavior in Brazil it is important to show the demographics based on many factors like literacy‚ population‚ lifestyle in Northeast and
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labor‚ and the greater part of the skill dexterity‚ and judgment with which it is anywhere directed‚ or applied‚ seem to have been the effects of the division of labor” (Smith‚ Book1‚ Chapter 1‚ Of the Division of Labor). The division of labor allows a market‚ state‚ countries and societies to undergo economic improvement. Adam Smith is correct to say that The Division of Labor is how countries become rich‚ but the division of labor has some of its own problems too. The division of labor is explained
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To what extent does the problem of urbanization can be met by sustainable development? For the past decades the trend of urbanization has rapidly increased‚ especially in developing countries. Urbanization may be defined as a process in which people from rural areas are migrating to the city. The sudden increase of the population in cities has brought significant problems to their inhabitants‚ the environment and resources. These problems are providing housing with basic facilities and public
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