Historically when credit unions were formed in Germany in the 1800’s‚ the intent was to fill a need for the underserved and poor. Credit unions originated because banks were reluctant to lend money to certain individuals or groups. Those underserved consumers pooled their resources and formed cooperatives which are owned by their members. This afforded cooperatives better known as credit unions‚ to be classified as not-for-profit‚ which means that they are not subject to corporate income taxes
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The Future of the EU William D. Smith ABUS 383 The European Union is a union of 27 member countries‚ that predominately operates in Europe. It had predecessors‚ however under the current name‚ it was founded in 1993 after the Maastricht Treaty. Since its founding‚ the EU has adopted many policies and regulations to theoretically make its members better off‚ however the current crisis does not reflect much positivity to this. So‚ how could the Europeans possibly overcome this current debt
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Nestlé Pakistan Limited Nestlé Pakistan Ltd. is a food processing company‚ which is registered on Karachi and Lahore stock exchanges. It established its first production unit in 1988 in Sheikhupura‚ Pakistan with the name of Nestlé Milkpak Limited but its name has been changed and now it is called Nestlé Pakistan Limited. Headquartered in Lahore‚ the Company operates five production facilities. Two of its factories in Sheihupura and Kabirwala are multi product factories‚ while another one at Karachi
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employees that has the valid credentials can enter or have access to a certain offices and electronic files that can be accessed through various system tools. My part of the job was to assign two different types of access control systems namely‚ the smart card access control and the biometric access control‚ requested by the Chief Information Officer of the company itself. Once I’ve done with the research of both access control system‚ I would be voicing out my point of views based on which of the two
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By – Kajol Vaswani Business Project Private Limited Companies A private limited company is a voluntary association of not less than two and not more than fifty members‚ whose liability is limited‚ the transfer of whose shares is limited to its members and who is not allowed to invite the general public to subscribe to its shares or debentures. Ownership Control Ownership of a company rests with the shareholders. One share equals one vote‚ which implies an equal share in the profit
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Composites Manufacturing ME 338: Manufacturing Processes II Instructor: Ramesh Singh; Notes: Prof. Singh/ Ganesh Soni 1 Composites ME 338: Manufacturing Processes II Instructor: Ramesh Singh; Notes: Prof. Singh/ Ganesh Soni 2 What is a composite Material? • Two or more chemically distinct materials combined to have improved properties – Natural/synthetic – Wood is a natural composite of cellulose fiber and lignin. • Cellulose provides strength and the lignin is the "glue" that
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TO SURVIVE THE DEMANDS OF LABOR UNIONS AND MANAGEMENT...WHILE OTHERS‚ AFTER YEARS OF BATTLE CRUMBLE? Abstract The purpose of this case study is to examine three different industries which are the Automotive‚ Hotel‚ and Airline and their relationships between upper management and labor unions. The six companies that were examined are Ford and General Motors‚ JW Marriot and Hilton Hotels Corporation‚ and Southwest and Delta Airlines. The history of unions and management will be examined
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TRADE UNIONS FREDRICK BANDA INTRODUCTION This chapter examines democracy from another angle that is the way democracy is rooted in the collective action of citizens outside of the formal institutions of democratic government. The trade union movement in Malawi dates as far back as the end of the Second World War. It has undergone a process of growth‚ decline and growth again over the past seven decades or so. To understand how trade unionism has developed in any country‚ we need to consider
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Level 1 Music 91094 (1.5): Demonstrate knowledge of conventions used in music scores Credits: Four Check that you have been supplied with the resource booklet for Music 91094 (1.5). Refer to the music extracts in the resource booklet to answer the questions in this booklet. You should answer ALL parts of ALL questions in this booklet. If you need more space for any answer‚ use the page(s) provided at the back of this booklet and clearly number the question. Check that this booklet
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subject: Financial Reporting Millat Tractors Limited Synopsis of Annual Director report 2013 Touqeer Hussain Awan Submitted To: Sir Ubaid Ur Rehman ABOUT MILLAT TRACTORS LIMITED BOARD OF DIRECTORS CHAIRMAN MR. SIKANDAR MUSTAFA KHAN CHIEF EXECUTIVE SYED MUHAMMAD IRFAN AQUEEL MR. LATIF KHALID HASHMI MR. SOHAIL BASHIR RANA MR. LAEEQ UDDIN ANSARI MIAN MUHAMMAD SALEEM MR. MANZOOR AHMED (NIT NOMINEE) MR. SAAD IQBAL COMPANY SECRETARY MIAN MUHAMMAD SALEEM CHIEF FINANCIAL OFFICER MR. JAVED MUNIR
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