Financing SMEs –Key Challenges and issues for Bankers Wickrama Narayana Chief Manager-SME Development People’s Bank The definition of Small & Medium scale Enterprises (SMEs) varies from country to country. The classification can be based on the firm’s assets‚ number of employees‚ or annual turnover along with the loan amount. Central Bank of Sri Lanka defines SMEs as enterprises with less than Rs. 600 million turnover per annum and with a maximum exposure of Rs. 200 million mainly to be classified
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The image of the flapper in addition to women stepping out of the household have then a new sense of independence. For women‚ having a job was now a form of self expression. You were making a statement. This radical new idea is explained best by Charlotte Perkins Gilman in Women and Economics when she says‚ “The spirit of personal independence in the women of today is sure proof that a change has come...the radical change in the economic position of women is advancing upon us...the growing individualization
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with other automotive brands as part of integration plan into VW Family. SWOT ANALYSIS STRENGTHS Strong brand image Strategic alliances with other automakers WEAKNESSES Small compared to competitors Weak financially – victim of 2008 financial crisis Skilled workforce Consistently innovative with class-leading technologies Customer loyalty Conflict between the executives and management of Porsche and VW SWOT ANALYSIS OPP0RTUNITIES THREATS Wealth of resources upon joining the VW group Losing
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is a lot of diversity. Thus‚ diversity can help society get a better understanding of others’ difference in values and opinions. This allows the community to become tolerant and understanding‚ which strengthens societies. However‚ society has to consider the safety of the people by putting a limit toward their acceptance of diversity. Without limits‚ people become deluded into thinking they can do whatever they want‚ which may include hurting others; however‚ being able to accept others differences
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This is the sad story of a teenager girl named Joannie who was a victim of sex- trafficking. In April 2015 she ran away from home in The Bronx‚ and went to meet her friend‚ Raymond Johnson‚ whom she met through Kik messaging app. Then he forced her into prostitution threatening her with a knife and a gun. Thankfully one morning‚ after about a month of abuse‚ she awoke to find him drunk and she was able to escape him. Last October Mr. Johnson was sentenced to four to twelve years in prison after he
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What could you live without? Walking down the hallway‚ I was thinking about the topic “What could you live without” and I couldn’t think of many things. Things that we used in our life basically charge an important role of a human society. For example‚ foods‚ water‚ shelter‚ smart phone‚ clothes‚ computers and etc. As I was reading “What could you live without?” by Nicholas Kristof‚ it prompted a lot of ideas. I looked around my house and all the stuffs that I have is the stuff that we need it
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Question 2 : What is job analysis? How can you make use of the information it provides? Do you think companies can really do without detailed job description? Why or why not? Job Analysis is a process to identify and determine in detail the particular job duties and requirements and the relative importance of these duties for a given job. Job Analysis is a process where judgments are made about data collected on a job. An important concept of Job Analysis is that the analysis is conducted of the
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The 1930’s was filled with many interesting and knowledgeable events that marks our history that we see we see it today. Snow white and the Seven Dwarfs became the biggest grossing film in the 1930’s. Franklin D. Roosevelt passed the Fair Labor Standards Act that raises the minimum wage from 25 cents to 40 cents an hour and limits the work week to 44 hours. A New York Scientist predicts that the United States will reach the moon by 2050. At the end of the decade the United States entered the Second
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Lecture 1 What is Critical Thinking? Critical Thinking (It is a vital skills) a. It provides us with a crucial set of skills we need to make decisions and resolve issues that arise in our everyday lives. b. Critical Thinking‚ like logic‚ requires learning how to think rather simply what to think. The word “critical” is derived from the Greek word kritikos‚ which means “discernment”‚ “the ability to judge” or “decision making”. Logic is a crucial part of critical thinking‚ and requires good analytical
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If you were asked to make a fair evaluation of your teachers‚ what criteria would you use? The profession of a teacher has been one of the most important and responsible ones in the history of mankind. A lot is changing in course of time‚ but the essence of a teacher’s vocation remains the same. He has to guide a person through the early stages of life and help children and teenagers form a strong personality and understand different unwritten laws of society. Below I will present the main criteria
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