Question 1: Most of the financial institutions have the problem of non-performing loans. Basically‚ the non-performing loans (NPLs) mean that the loans in default‚ or is close to being in default according to Investopedia. In the contract terms‚ NPLs indicates the failure to promptly pay interest or principal when due. When the borrowers are unable to meet the legal obligation on making the required payment or are unwilling to honor the debt‚ the default will be taken place. With the increase
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UNIVERSITY OF BOTSWANA; FACULTY OF BUSINESS DEPARTMENT OF MARKETING CONSUMER BEHAVIOUR THEORY AND PRACTICE (MKT 201) COURSE OUTLINE SEMESTER TWO‚ 2011 Course Instructor: Dr R. Makgosa Email: Makgosa@mopipi.ub.bw; Office: 245/ 017; Office Telephone no: 3554060 Class Time: Tuesday 09.00; Thursday 08:00-10:00 Venue: 245-042. Consultation hours: Tueday 14:00-16:00; Thursday: 14:00-16:00 Nature of the Course Contemporary approaches to business emphasize the importance of adopting a
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Consumer Behavior Report: Yana’s Fitness Centre | Table of Contents: Contents Page # Introduction ................................................................................................ 3 Changing the users attitude towards purchase .................................... 3 Customer detections and customer recovery ................................................ 5 Progressing from loyalty to Customer Relationship .................................... 6 Differences between
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CONSUMER ANALYSIS SEGMENTATION‚ TARGETING AND POSITIONING The term segmentation was first introduced into marketing literature by Alderson (1937). In 1950s‚ Smith conceptualized and provided a definition of segmentation as we know it today. Market segmentation may be defined as subdividing a heterogeneous market into more homogeneous subgroups based on some common customer characteristics‚ such as age‚ location‚ time of purchase or purchase frequency. Segmentation strategy has been expanded into
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MOTIVATION I. Case: BONIFACIO SAVINGS AND LOANS ASSOCIATION The Bonifacio Savings and Loans Association (BSLA) in its last monthly consultative meeting for the year decided to embark on a one-year deposit campaign program. Dubbed as BSLA’s “Employee Motivation Program (EMP)”‚ the deposit campaign aimed to increase deposit levels which was BSLA’a traditional source of funds. Mr. Danillo Lagman‚ VP for operations‚ was chosen as overall program coordinator. After a month of preparation‚ Mr.
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population will fall into this class. Middle class is also referred to as white collar working group and is comprised of an educated business group. The lower class is also dubbed as the working class or blue collar workers. Consumer Spending and Economic Behavior The consumer spending is recognized to be the expenditure at the personal level. It depends on the wish of the customers and used to spend on respective areas. The aim is just to go from forming effective knowledge and understanding with
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1. Using the tricomponent attitude model‚ compare the differences in attitude of consumers towards Kraft Foods versus their attitude towards Vegemite. The tricomponent attitude model is made up of Cognitive‚ Affective and Conative component. The three components are interrelated and integrate to form an attitude of a person toward any product or service in consumer scenario. Here we are studying how the consumers react to Kraft Food and Vegemite. Cognitive Component Cognition is basically making
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An analysis on Wahaha’s marketing strategies in applying consumer behaviour theories Hangzhou Wahaha Group is a private group of companies‚ featuring beverage products‚ which also has become one of major beverage producers in China. The name ‘Wahaha’ is a children’s folk rhyme and also stands for the sound of children’s laugh in Chinese. The company is run by zong qinhou who started the business by selling ice cream and sodar on a tricycle in 1987. (Wahaha‚ 2012)The turning point of his business
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International Journal of Academic Research in Business and Social Sciences January 2012‚ Vol. 2‚ No. 1 ISSN: 2222-6990 Consumer Buying Behavior towards Online Shopping Stores in Malaysia Mehrdad Salehi MBA student‚ Management and Science University‚ Faculty of Management‚ Malaysia Ems_salehi64@yahoo.com Abstract The Internet as a global medium is quickly gaining interest and attractiveness as the most revolutionary marketing tool. The global nature of communication and shopping has as well redefined
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We have a couple in their mid thirties. John has his own gardening business and brings home $45‚000 gross after business expenses. He also has a part-time job at the local club earning $10‚000 gross. Mary works in media grossing $85‚000 p.a. after SG. They are paying off a mortgage of $520‚000 on their own home which they just bought for $580‚000. The mortgage costs them $2‚890 per month. They have three children 9 months old‚ 2 year old and 4 year old and all attend day care 5 days a week
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