INTRODUCTION 1.1 Non-Performing Loans(NPLs) Non-performing loans (NPLs) can be defined as defaulted loans‚ which banks are unable to profit from. Usually loans falls due if no interest has been paid in 90 days‚ but this may vary between different countries and actors. Defaulted loans force banks to take certain measures in order to recover and securitize them in the best way. (Ernst & Young‚ 2004) and there also the definition of impaired loans is loans that have not expired‚ but it is uncertain
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job satisfaction‚ organizational commitment and intention to quit. The population was the hotel staff in Thailand of which 908 were selected as subjects. The instrument used was a questionnaire with the reliability between 0.614-0.918. The data were analyzed using descriptive statistics and the structural equation model was analyzed using SPSS and LISREL. The results revealed that the supervisors had higher levels of work life quality‚ perceived organizational culture‚ job satisfaction and organizational
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Ref: http://www.archive.india.gov.in/citizen/agriculture/index.php?id=1 Schemes of Cooperative Agricultural Banks 1. National Bank for Agriculture and Rural Development or NABARD (External website that opens in a new window) - is responsible for refinance disbursement to commercial banks‚ State cooperative banks‚ State cooperatives‚ rural development banks‚ Regional Rural Banks (RRBs) and other eligible financial institutions. It also sanctions money through its Rural Infrastructure Development
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DO SMALL BUSINESS MANAGERS INFLUENCE EMPLOYEE SATISFACTION AND COMMITMENT? HOW DO SMALL BUSINESS MANAGERS INFLUENCE EMPLOYEE SATISFACTION AND COMMITMENT? Janine Krüger: Department of Business Management‚ Nelson Mandela Metropolitan University Chantal Rootman: Department of Business Management‚ Nelson Mandela Metropolitan University Purpose: The purpose of this research is to scrutinise motivational factors that may influence the levels of satisfaction and commitment of small business employees. Problem
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Strategic Practice Exercise From an ethical standpoint‚ I would suggest Zombie Savings and Loans stay in business. Keeping the doors open would allow them to accrue new customers to help with the issue of high interest rates putting them at a loss. Not only could they seek new customers‚ but they could also seek more stakeholder shares. Doing so would bring more capital to the bank to help make up for the loss it is currently seeing. They could also consider selling stocks and bonds to
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Lincoln Savings and Loan 2. The high audit fee is a direct financial interest that can cause bias. The larger the amount of audit fees paid by the audit client company to the audit firm‚ the more likelihood that it will impair. The auditor may have to compromise their independence in many ways to ensure that they maintain that particular client‚ since that client provides them with relatively larger revenue. To address this‚ the regulators should impose a new requirement that the total fee from
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The average american consumes 1500 pounds of corn per year or about 4 pounds a day. Most processed foods you eat contain some form of corn‚ it has worked it’s way into our everyday lives. Humans developed the ability to build off of each other’s ideas creating the vast variety of corn products. Then humans started making settlements where they domesticated corn and artificially selected desired traits of it. The modern revolution dramatically changed corn from it’s genetics to how is it grown and
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IMF and any expectation from them seems bleak. Pakistan’s last resort was to approach the IMF knowing that the loan itself comes with extreme conditions. But does Pakistan have a choice? IMF board plans to meet soon to review the $7.6 billion loan to meet Pakistan’s serious BOP difficulties. But in return they ask for many things. Higher interest rates‚ higher taxes especially agricultural tax‚ reducing non developmental and other expenditures‚ free float of exchange rates and zero borrowing from the
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QUESTIONNAIRES A comparative study on customer satisfaction of after sale services provided by TVS and hero Honda workshop Dear Sir/Madam As a part of our course curriculam‚ I am conducting a study on the topic “A COMPARATIVE STUDY OF CUSTOMER SATISFACTION OF THE AFTER SALE SERVICE PROVIDED BY THE JOYSHREE INDIA PVT.LTD AND JAY BEE HONDA WORKSHOP IN GUWAHATI CITY”.You are requested to kindly extend your cooperation in filling this questionnaire which would enable me to attain the objectives
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Creating Customer Satisfaction And Profitable Value Chain With E-commerce In Rural India A case based approach Sanjeeve Verma1 ABSTRACT We live in a world increasingly propelled by technological change. The thrust lies in a quest to make our lives better‚ simpler and more productive through electronic commerce (or E-commerce). Agriculture in India has been identified as one of the great promises of e-commerce; the high level of fragmentation present in the supply chain‚ large volumes traded‚ and
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