On Reasons for Voluntary Attrition in Credit Cards at Citibank Pakistan for the period Jan. ’10 to Jun. ’10. Prepared for Mr. Sibghatullah Hussaini Submitted by Ahmed Hassan July 28‚ 2010 Sponsor’s Name/Client Professor Sibghatullah Hussaini‚ Faculty Member‚ IBA. Advanced and Applied Business Research‚ Summer 2010 Contact Person Same as above Background 1) Industry/Category In today’s competitive credit card market card cancellations or “voluntary attrition” is
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VISA credit card Criterion A –The issue and stakeholder(s) (a) Describe one social/ethical concern related to the IT system. In a process of buying biscuits wRith VISA credit card‚ there is some social issues. Firstly some credit card require annual charge which is paid per year‚ that is needed even we don’t pay anything with the card. Hence we have to pay money for just having those credit card. And another issue is leakage of some sensitive information from each side; consumer and credit-card’s
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"Alcohol abuse on college campuses has reached a point where it is far more destructive than most people and today realize and today threatens too many of our youth." -Senator Joe Lieberman Why do college students drink so much? This timeless fad has effected this generation in high percentages since the beginning of college education. Today in America it is estimated that approximately 29% of college students are regular alcohol abusers. Another recent study by the National Institute of Alcohol
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May 2012 Adderall Abuse in College Students The diagnosis of Attention Deficit Hyperactivity Disorder (ADHD) to people in the United States has risen dramatically in the past decade. The US is in the lead globally as far as the amount of people doctors diagnose with the disorder and prescribe stimulant medications to (Diller). One of the consequences of this increased diagnosis is a significant increase in the amount of abuse of the drug Adderall by college-aged students. Across the board‚ research
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My Obstacles as a College Student There are many Obstacles in my life as a college student‚ and I hadn’t prepared myself to get through all of them. Many obstacles lead back to money and not having enough to get to the stable and secure career in the future. My main obstacles are: money‚ procrastinating‚ fear‚ and being unsure of what I want to do. Money is an obstacle that many people face not only in college‚ but in daily life. This semester I had to pay for half of my tuition‚ and that was
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things that comes to mind about college is the student dues. Being a broke and in debt college student seems inescapable. Another huge factor of the student debt is the lack of financial knowledge and management. Indiana University’s Bloomington campus has a group of students that help with financial counseling called “Money Smarts Team.” To address the problem students have‚ they had to create the team‚ re-structure communication between the universities to students‚ and reduce loan debt. Generally
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and innovation. The motivation of first generation college students can be broken into multiple categories. As a new first generation college student I can confirm that a student’s motivation can change over time when going to college. In the article “First Generation College Students: Motivation‚ Integration‚ and Academic Achievement summary” written by Moises Prospero and Shetal Vohra-Gupta (2007)‚ they explain that students who attend college to receive a higher paycheck tend to have a lower grade
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correspondence to Todd R. Stinebrickner Dept. of Economics The Social Science Centre The University of Western Ontario London Ontario Canada n6a 5c2 trstineb@julian.uwo.ca phone 519 679-2111 ext. 5293 fax 519 661-3666 Unique new data from a college with a mandatory work-study program are used to examine the relationship between working during school and academic performance. Particular attention is paid to the importance of biases that are potentially present because the number of hours
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BECAUSE OF CREDIT CARD INTRODUCTION Consumer credit can be defined as a debt that someone incurs for the purpose of purchasing a good or service. Common forms of consumer credit include credit cards‚ store cards‚ motor (auto) finance‚ personal loans (installment loans)‚ consumer lines of credit‚ retail loans (retail installment loans) and mortgages. The spread of credit card ownership and usage across developing Asia Pacific countries has been overwhelming. A review of literature on credit card
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Comparison to the Average College Student Data First and foremost‚ I was very interested in how many similarities and differences that there was between myself and the average college student. I found the similarities interesting because I do not feel that I spend my time evenly in each area‚ like I assumed the average college student did. I was most proud of myself in the sleeping category‚ seeing that I get‚ on average‚ 0.6 hours more sleep than the average college student. I think that my strict
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