the future value of the money‚ according to the financial analysts. “if you left the $10‚000 in for 20 years and it earned 8 percent‚ that would have amounted to $46‚600‚” Ritter noted. Ritter said that taking money out of a 401(k) plan—as either a loan or a hardship withdrawal—can be a false solution that keeps the person in crisis from taking appropriate action‚ such as selling the house‚ getting another job‚ or cutting expenses. “You need a systemic solution‚ something that’s going to change your
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The vision of ASEAN Policy Blueprint for SME Development (APBSD) is for ASEAN SMEs to be “competitive‚ innovative‚ and [become] world-class enterprises that perform major roles in regional and global supply chains and are able to take advantage of the opportunities from ASEAN economic integration by 2015.” In connection to this‚ the Strategic Action Plan for SME Development aspires to “further enhance the competitiveness and flexibility of SMEs in moving toward a single market and production base
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Characteristic of services Intangibility Unlike products services cannot be counted‚ measured‚ or felt. It is difficult to explain to the customer what a specific feature in the service will give to the customer. As services are intangible‚ the perceptions of customers regarding the service may differ at any given amount in time. Each customer will have a different perception and experience about the same service. But in a hotel the quality of service is not only dependent on the courteousness
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Service blueprinting at Grupo Fernando Simao Grupo Fernando Simao noticed that they had some inefficiencies at one of their dealerships. When they took a closer look they found out that only 60% of the jobs were finished on time. In terms of value-creation for the customer it is clear that this has to improve. If they took a look to the value-creation for the company their biggest struggle was that there was only value-creation during 40% of their paid work. To solve these problems GFS decided
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Loan diversification system of Janata bank‚ Rajshahi. Abstract The study is mainly designed to know the different credit programme of Janata Bank and to know its performance. There are many institutions which play a vital role for charging the social structure and for the economic development for our country. Janata bank is one of the most important financial institutions of them. It is playing a vital role for economic development and employment generation by its different credit programme. As
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Services represent approximately 80 percent of the U.S. GDP and a growing percentage of the GDPs of countries around the world. Companies‚ governments‚ and universities worldwide have recently awakened to the realization that services dominate global economies and economic growth.1 Yet‚ in practice‚ innovation in services is less disciplined and less creative than in the manufacturing and technology sectors.2 While Business Week’s 2007 top twenty-five most innovative companies list includes
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Lecture Topic 1 : The Service Sector Reading : Chapter 1‚ Services Marketing : People‚ Technology‚ Strategy by Kotler & Wirtz‚ 7th Edition. The Service Sector- some facts : • In the West‚ business conditions generally remain difficult for service sector firms with falling prices hitting profitability. - The service sector typically accounts for between 66% and 75% of GDP in most of the more highly developed economies. (Central Intelligence Agency‚ 2011)
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and the Debtor shall have no claim against the Surety for making such payment. 4. The Surety further agrees that the Guarantee herein contained shall remain in full force and effect during the period that would be taken for the repayment of the said loan and that it shall continue to be enforceable till all the dues of the Creditor have been fully paid and accordingly discharge this Guarantee. Unless a demand of
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The Service Blueprints overview Compiled by Marc Fonteijn - marc@31v.nl - May 2010 http://31v.nl/weblog/2010/05/the-service-blueprints-overview before you continue I don’t take any credit for the blueprints your are about to see. All the rights belong to respectfull owners. Everything you will see in the coming slides is or has been publicly available on the internet. I’ve done my best to included a refrence to the source of the example where I could. source: Brandon Schauer - http://www
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Service Capacity * Service Capacity is defined as the maximum level of value-added activity‚ which can be consistently achieved over a period of time under normal operating conditions. * The important consideration is that the service provider should be able to sustain provision of service at such a rate comfortably under normal working conditions. * It can be expressed as : 1. Max. number of patient attended by a Doctor / hr. 2. Max. number of calls attended by a Executive
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