Gold Loans ‘Lending with comfort’ Muthoot Finance – BUY CMP: Rs154 Target: Rs202 Largest gold financing company in the country with 20%+ market share AUM growth to moderate but remain strong on higher base NIM to decline on steep increase in funding cost; yield to be relatively resilient Earnings CAGR to remain brisk at 39% over FY11-13E RoA to marginally come-off; RoE to normalize India - a huge gold loan market India is one of the largest markets for gold accounting for ~10%
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Students’ loans are the help to achieve students’ goals. However‚ students’ paid a higher price for have a better education‚ but they never imagine that to finish a bachelor or master they are condemned to carry a huge loan on their life as having to return all the money they got for finishing their education. According to‚ Real Life Student Debt Stories‚ Scrubb White said‚ “I will not got into debt never in my life‚” (Par 7). Scrubb White It is one of many people that living with an enormous burden
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Consumer Debt Teiagie Torrence FP101 November 22‚ 2012 Renee’ Tolbert Do you know the laws and guidelines considering consumer debt for you state? If not‚ you might want to perform research and learn all about them. Consumer debt regulations vary from state to state along with the statute of limitations. As a resident of North Carolina‚ I learned a lot about consumer debt guidelines and the statute of limitation and how important it is to make sure I stay on top of the game when it comes to
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How the perception of the blind or visually impaired differs from that of the sighted. Article 1: Auditory Substitution of Vision: Pattern Recognition by the Blind The goal of the experiment in this study was to investigate whether or not there was an effect on the performance of recognizing visual patterns using auditory substitution by the early blind. The reason for the study is because of the development of the graphical user interface (GUI) in information technology‚ relating to computer
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to observe consumer behaviors‚ I went to my local grocery store Wegmans. Wegmans is a popular chain grocery store in my area and where I do all my grocery shopping. In fact‚ they are the number one choice of most consumers in the Western New York area‚ not only because of their prices and variety but also due their local presence and contributions to the community. In my observations‚ I chose two aisles: the first one is the Cereal Aisle and Bread Aisle in order to see how consumer behavior varies
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Consumer behavior is the behavior that consumers display in searching for‚ purchasing‚ using‚ evaluating‚ and disposing of‚ products and services. The study of consumer behavior as a separate marketing discipline all started when marketers realized that consumers did not always react as marketing theory suggested they would. Many consumers rebel at using the identical products that everyone else used‚ instead they prefer differentiated products that they feel reflect their own special needs‚ personality
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to find a job and understand how society works. There are several people out there that do not have the chance to get an education due to the fact that they cannot afford it. Thanks to student loans these people now get the opportunity to expand their education and pursue their dream careers. A student loan is a great resource to cover up the costs of obtaining a degree. After investing the time and money into a college education it can actually pay off‚ but you need to be
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Original Research The smoking habits‚ attitudes towards smoking and knowledge regarding anti-smoking legislation of students in institutions of higher learning in the Eastern Cape Province of South Africa Awotedu AA‚ FMCP (Nig)‚ FCCP‚ FCP (SA-PR)‚ Department of Internal Medicine‚ Walter Sisulu University‚ Mthatha Jordaan ER‚ MSc‚ Biostatistics Unit‚ Medical Research Council of South Africa‚ Tygerberg Ndukwana OZB‚ BACur‚ BACurHons (UNISA)‚ MPH‚ Department of Health Promotion‚ Walter Sisulu University
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Consumer Behavior School of Business Management ‚ NMIMS FT MBA II Year Trimester IV 2013-2014 Goals: Post liberalization‚ companies in India that earlier had a very product oriented or sales oriented approach realized the need for customer orientation. It hence became imperative to know the customer not only on quantitative measures (What‚ how much)‚ but also on qualitative measures (the Whys & Haws). This meant understanding the external & individual determinants affecting consumer
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Sensation and Perception How vision (text)‚ audition (text) taste‚ smell‚ and touch work (textbook.) Illusions‚ limbs‚ and blind site. * What is real? * Process of taking in – sensation through senses. Collection of environment extra * Perception- interpretation from environment. Extra * Sensation: converting the stimulus (smell‚ sound‚ ect) as it arrives at receptors in the ears‚ eyes‚ or mouth‚ into neural impulses. * Perception: processing‚ comparing‚ and interpreting
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