The Customer Segmentation In Indian Banking System Business Essay

The Customer Segmentation In Indian Banking System Business Essay About two decades ago, when private players started rolling out their services, the state-run banks, who had in their grip almost entire retail customers in India, sensed it could be the beginning of a change, but probably never realised it would come with so much force and hit them hard. And they sure had no idea that after moving at an elephants pace for so many decades, they might be forced to change quickly and probably beyond recognition. The arrival of private banks, and in a limited way the foreign banks, changed the way banking was done in India. They changed retail customers expectations and the preferences and now in a fiercely competitive space, every bank wants to get a handle on the rapidly changing consumers taste and raise its service to retain and gain the market share. Our study conducted on educated middle-class working professionals in New Delhi offers an insight into how todays customers are picking their banks and ending contacts with those, which fail to satisfy them. The surveys findings underline the traditional services such as prompt and courteous services at branches are still important for bank customers. The study clearly highlights that customers value banks with bigger network of branches and ATMs as they consider it more reliable. Customers do prefer to have an account with a bank where their family members already have one. They also put a premium on a range of so-called new range of services: lower call waiting and the ability of the customer care staff to quickly understand their problem and connect them to the right executive.   Another interesting outcome was that most customers had more than one bank account and thus could pick bank for specific services. Introduction: India is on the path to become a global economy. Financial Institution specially banking industry plays a very important part in Indias growth. Banking in India originated in the last decades  of the 18th century. The oldest bank in existence in India is the State Bank  of India, a government owned bank  that traces its origins back  to June 1806. Central banking is the responsibility of the Reserve Bank of India, which in 1935 formally  took over  these responsibilities from the then Imperial Bank of  India.  After Indias independence, the Reserve  Bank was given broader  powers. In 1969 the government nationalized the 14 largest commercial  banks; another six banks were nationalised in 1980. Currently, India has 88 scheduled commercial banks  (SCBs)- 27 public sector  banks,  33 private  banks and 38 foreign  banks. They have a combined network of  over 53,000 branches and 17,000 ATMs network. Banking In India can be divided into three distinctive time period as described below. Pre-Nationalization Era: Private banks with individual holding were present in pre-nationalization era and Lockout of Banks were the reality in those days. With very little security regulatory mechanism Banks were functioning as discrete assets and there is very little presence of consumer services and security of assets. Post-Nationalization Era: With the backdrop of large no of incident regarding lock out of banks, Central Government had to take a drastic step and they had done the same by nationalization of Banks. Due to involvement of the Government, credibility of banks increased many fold and banking as a sector has started to grow in India. Due to very low or no competition at all government owned banks had started to function like monopolistic services with very little focus on customer services. IT-enabled era: After 1991 private banks with sound security mechanism were again allowed to enter into the banking segment. ICICI Bank, Axis Bank, HDFC Bank started their operation with state of the art IT infrastructure, which enable them with better service delivery and meet consumer expectation. Following the same trend and due to Government regulation Government owned banks like SBI, PNB, BOB had also started providing customer services through IT enablement. Due to some recent development like non-regularization of interest rate some banks had also gone ahead and started to offer differentiated product to make the banking more interesting. Recently government has started to think for allowing business houses for having the banking license. This can really be a game changer for Banking industry as more no of bank will open and try to fetch customers from the competitors with focus on customer preferences. As far as the customer segmentation in Indian Banking system is concerned, it is divided into three broad segments. Corporate: B2B transactions are covered in this segment Mid-Corporate: Transactions with SME is considered under this segment. Retail: Small individual customers are covered under this segment The opening of the banking sector to the private players and Indias rapid economic growth in the past decade has dramatically changed the financial sector landscape in the country. The keen competition brought customers to the centre-stage something unimaginable till about two decades ago when the state-run banks held monopoly and customers convenience was barely on their agenda. The power has now clearly shifted from banks to the customers, as private players scrambled to gain market share by raising service level, introducing innovative products and deploying technology at an unprecedented scale to woo customers. The expansion of foreign players, though limited, raised the consumers expectation and fuelled further competition. To match the private players, leading state-run banks initially, followed by regional banks, have raised the game and now probably every player is willing to give an arm and a leg to get an insight into the consumers behaviour. We have limited our research to educated working middle class in New Delhi a retail sub-segment that is attractive to banks because of paucity of time and resources. The findings cannot be generalized for the entire country. Review of Literature The Ernst Young Global Banking Consumers Survey 2011 has highlighted how customers were increasingly switching banks and preferring transparency to loyalty. The report said pricing was critical to customer satisfaction, although most customers had no idea how much they pay each year for services. Transparency over pricing and service promises is vital if banks are to deliver something customers value. An under-delivery of promised service was a big turn off for customers. Uppal, R. K. (2010), analysed in his study the complaints against Indian Public sector, private and foreign banks. The majority of complaints received were against the public sector banks and the complaints were related to deposit, credit cards and housing loans, clearly showing how state-run firms were unable to raise the quality of services. The study recommends the strategy to mitigate the complaints. RBI Report, Committee on Customer Service in Banks (2011), analysed evaluation of customer services in Indian Banking History. The main objective of the study was to find existing customer services in the Indian Banking system and future roadmap on the same. Authors have emphasized on customer education, involvement of stakeholders for launching any new services, comprehensive banking regulation. Focus on technology will also become major indicator for rolling out and success of services such as Internet Banking. Performance Assurance scheme for enforcing the banks to follow strict performance guideline is also mentioned in the report. Various other improvement aspects like issuing Photo ATM card and fraud detection procedure were also listed in the report. In his research on customers preference (2012), Md Nur-E-Alam Siddique of ASA University in Bangladesh has concluded that the most important factors influencing customers in selecting a private banks are speed and quality of customer services, image of the bank and quality online banking facility. The customers, however, chose a nationalized bank mainly due to low interest rate on loan, safety of deposits and convenient location, the report said. Mosad Zineldin, an Associate Professor at Stockholm University, brought forth some interesting trends in his research on bank customers preferences. The study said the price and advertising had a minor effect in a bank selection, while functional quality such as friendliness and helpfulness of staff, accuracy in account transaction management, efficiency in correcting mistakes were the major determinants of bank selection. Kannan. P., et al. (2012), emphasized in their study that service quality was an interesting field to evaluate the customer satisfaction. The main objective of the study was to examine the consumer preference towards the banking services in rural areas on the basis of (i) demography (ii) type of banks (public, private and cooperative bank). (iii) customers preferences. This study concluded that the satisfaction level of the rural customer was good. Research Methodology: We have adopted Descriptive Research Design for conducting the Research. Under Descriptive Research design we have conducted cross-sectional design, where data have been collected only once from the target audience. Another important point for emphasis in the research design part is that Indian Banks segment its customer mostly in three major category i.e. Retail, Mid- Corporate Corporate. For the purpose of this research project we will only consider the retail segment or the individual customer. As we have only followed the Convenience Sampling method for collection of data that too only for a segment of consumers, so it will not be possible for generalizing the result across the other segment. After reviewing the literature we have segmented customer preference in five key segments as shown below in the picture. Skill, responsiveness, friendliness Variety, cost, suitability Credibility, Technological efficiency Processes, Rules, Waiting time, Speed Network, location, phone/online Among the 5 segments shown above, image and personal of a Banking System is very difficult to change. Access of the banking system is majorly related to the investment that the Bank can undertake for improving its IT backbone. Product and services are can easily be changed if the entire infrastructure is already available with the bank. Survey questionnaire was designed based on the five key factor of customer effectiveness, as shown above. Flow of the questionnaire is described in the diagram below. Questionnaire was designed in the Google spreadsheet and link of the survey was shared in the mail for the sake of convenience. Another important aspect of data collection through Google spread sheet is that, a high amount of data integrity check is already built into the system as user can not pick up any alternative other than mentioned in the web format. Conclusion:- The research findings have brought good news for the banks. Most respondents (81 percent) are happy with customer services at banks, thereby giving the existing banks a pat on their back, while signaling that new entrants will find it extremely difficult to find a toehold in the fiercely competitive banking market once the RBI were to issue new licences. Family again has come to the rescue of the banks in India as majority of our respondents prefer a bank if their family members already have an account there. Banks with greater network of branches and ATMs are preferred over those with smaller networks. Customers see high value and reliability in dealing with large-network banks. Customers naturally also value lower service charges. So for any new entrant in the Indian Banking Sector has to offer low cost services to consumer for attracting them in their fold.

Epidemiology Of Childhood Obesity Health And Social Care Essay

This brings me to the Epidemiology of Childhood Obesity. One of the Major wellness jobs that plague the United States is Childhood fleshiness. Since the 1980 the sums of kids who have been considered fleshiness have been at an dismaying rise and the prevalence among kids under the age of 12 has more than doubled. â€Å" Harmonizing to the 1999-2002 National Health Association ( NHA ) study, 16 per centum of kids ages 6-19 old ages are overweight. The major population that seems to be plagued by childhood fleshiness are minority population. NHA found that African American and Mexican American striplings ages 12-19 were more likely to be overweight, A than non-Hispanic White adolescents.A The disparity of being overweight in the adolescences has been the major subscriber to a high hazard of developing high cholesterin, high blood pressure, respiratory complaints, orthopaedic jobs, depression and Type 2 Diabetes as a young person. One disease of peculiar concern is Type 2 Diabetes. Due to these addition in negative wellness behaviours The infirmary costs entirely associated with childhood fleshiness were estimated at $ 127 million during 1997-1999 ( in 2001 changeless U.S. dollars ) , up from $ 35 million during 1979-1981 † ( Department of Health and Human Services, 2010, p 1 ) The epidemiology triangle long-run effects of being an fleshy stripling is that there is a 70 % opportunity of them going overweight or corpulent grownups and 80 % if one or more parent in the place A is fleshy or corpulent. When fleshiness in childhood falls over into maturity, it increases the hazard of diabetes, high blood force per unit area, high cholesterin, asthma, arthritis, and a general hapless wellness position. In 2000, the entire cost of fleshiness for kids and grownups in the United States was estimated to be $ 117 billion where $ 61 billion are direct medical costs ( The World and I, 2006 ) . Childhood fleshiness has many finding factors.A The most outstanding factor that causes childhood fleshiness are A deficiency of physical activity, Unhealthy feeding, genetic sciences and societal factors, † socio-economic position, race/ethnicity, media and selling, and the physical environment are besides lending factors to child goon fleshiness. † ( Kumanyika, 2008 ) . In general, kids and striplings are eating more foodsA at fast nutrient eating houses than they are eating at place, imbibing more sugary drinks, and bite on more unhealthy nutrients like french friess and french friess often. This alteration is contributed to the American demand for Convenience. This is taking more people to devour speedy service or eating house repasts or to purchasing microwavable ready-to-eat, low cost, rapidly accessible repasts to fix at place. â€Å" The nutritionary composing of kids ‘s diets every bit good as the figure of Calories consumed is of involvement to find the consequence of nutrient ingestion on childhood fleshiness. In relation, part sizes increased between 1977 and 1996. Average part sizes increased for salty bites from 1.0 ounces to 1.6 ounces and for soft drinks from 12.2 ounces to 19.9 ounces. A Below shows the major alteration in nutrient parts, which has contributed to the major factors of fleshiness † ( Department of Health an d Human Services, 2010, p 1 )AAAFigure 2: Proportion of Vegetable Helpings, 1999-2000Figure 3: Proportion of Grain Servings, 1999-2000Note: Children 2-19 old ages. Beginning: National Health and Nutrition Examination Survey, NCHS, CDC. Note: Children 2-19 old ages. Beginning: National Health and Nutrition Examination Survey, NCHS, CDC. A † Other surveies indicate that kids are non eating the recommended helpings of nutrients featured in the USDA nutrient pyramid and that there have been important alterations in the types of drinks that kids are devouring. i‚ ·A A A A A A A A Merely 21 per centum of immature people eat the recommended five or more helpings of fruits and veggies each twenty-four hours. As shown in figure 2, about half of all vegetable helpings are fried murphies. i‚ ·A A A A A A A A Percent entire energy from fat really decreased between 1965 and 1996 for kids, from 39 to 32 per centum for entire fat, and 15 to 12 per centum for concentrated fat. † i‚ ·A A A A A A A A In 1994-1996, adolescent misss and boys merely consumed 12 and 30 per centum, severally, of the Food Guide Pyramid ‘s helping recommendations for dairy ; and 18 and 14 per centum, severally, of the helping recommendations for fruit. † i‚ ·A A A A A A A A Soda ingestion increased radically in the early to mid-1990s. Thirty-two per centum of adolescent misss and 52 % of adolescent male childs consume three or more eight ounce helpings of soda per twenty-four hours. Soft drink ingestion for stripling male childs has about tripled, from seven to 22 ounces per twenty-four hours ( 1977-1978 to 1994 ) . Children every bit immature as seven months old are devouring sodium carbonate i‚ ·A A A A A A A A Milk ingestion has declined during the same period. In 1977-78, kids age 6-11 drank four times every bit much milk as any other drink. In 1994-1996 that decreased to 1.5 times every bit much milk as sugar sweetened drinks. In 1977-1978, striplings drank 1.5 times every bit much milk as any other drink and in 1996 they consumed twice every bit much sugar sweetened drinks as milk. Milk ingestion decreased for adolescent male childs and misss 37 and 30 % severally, between 1965, and 1996. † ( Department of Health and Human Services, 2010 ) . This research showsA thatA the lessening in existent physical activity and the addition in nutrient consumption is the major subscriber to childhood fleshiness. Physical activity tendency informations for kids are limited, but cross sectional informations indicates that one tierce of striplings are non having recommended degrees of centrist or vigorous activity, 10 % are wholly inactive, and physical activity degrees fall as stripling ‘s age ( Booth, Murphy, Phongsavan, Salmon & A ; Timperio, 2007 ) . A A A A A A A A A Americans need for watching telecasting, utilizing the computing machine, and playing video games occupy a big per centum of kids ‘s leisure clip, which are act uponing their physical activity degrees. â€Å" It is estimated that kids in the United States are passing 25 % of their waking hours watching telecasting and statistically, kids who watch the most hours of telecasting have the highest incidence of fleshiness ( Department of Health and Human Services, 2010, p1 ) . This tendency is evident and a major hazard factor to child goon fleshiness because while the sedentary activity of watching Television and picture games normally involves the composing of repasts high in fat. Along with the dietetic alterations that affects child goon fleshiness schools are besides lending to the job by diminishing the sum of free drama or physical activity that kids receive during school hours. There are merely a 3rd of American simple schools, allow kids to hold day-to-day physical instruction, and merely a 5th of the simple schools have extracurricular actives for the kids to take part in. â€Å" Daily registration in physical instruction categories among high school pupils decreased from 42 % in 1991 to 25 % in 1995, later increasing somewhat to 28 % in 2003 † ( Department of Health and Human Services, 2010, p 1 ) . â€Å" Experts have looked progressively to the physical environment as a driver in the rapid addition of fleshiness in the United States. In urban countries, infinite for out-of-door diversion can be scarce, forestalling kids from possessing a protected topographic point to play. Neighborhood offense, unattended Canis familiariss, or deficiency of street lighting may besides suppress kids from being able to walk safely out-of-doorss ; and busy traffic can hinder commuters from walking or bicycling to work as a agency of day-to-day exercising. Though few surveies are available on the direct effects of the physical environment on physical activity, there are marks of the possible for betterment, evidenced by Toronto ‘s 23 % addition in bike usage after the add-on of motorcycle lanes, and London ‘s pathway usage addition within the scope of 34-101 % ( depending on location ) as a consequence of improved lighting there has been less research on the relationship between the physical environment and physical activity for kids than for grownups ; nevertheless the findings for kids appear to be consistent with those of the grownup population. The per centum of trips to school that kids walked declined from 20 % in 1977 to 12 % in 2001. Because kids spend a significant sum of clip going to and from school, this may be an country in which to integrate and increase physical activity into kids ‘s day-to-day wonts † ( Department of Health and Human Services, 2010, p 1 ) Surveies suggest that parental nutrient penchants straight influence and form those of their kids. In a survey by Oliveria and co-workers, they reported that parents who ate diets high in concentrated fats besides had kids who ate diets high in concentrated fats ( Birch & A ; Fisher, 1998 ) . â€Å" It is suspected that this observation is non simply due to the nutrients parents feed their kids, but instead due to the penchants kids develop through exposure to nutrients that their parents take to eat in their lives. Birch and Fisher postulate that exposure to fruits and veggies and nutrients high in energy, sugar and fat may play an of import function in set uping a hierarchy of nutrient penchants and choice in childs. Other surveies have showed that when parents eat fruits and veggies and they are readily available the penchants for kids to wantA such an point as a pick of bite are increased † ( Department of Health and Human Services, 2010, p1 ) Research workers besides indicate that the societal context in which a kid is introduced to or has experiences with nutrient is instrumental in determining nutrient penchants the feeding environment that a kid is involved in will find the feeding pattern the kid will do in his or her life-time ( Birch, 2006 ) . â€Å" For many kids, feeding is a societal event that frequently times occurs in the presence of parents, other grownups, older siblings and equals. Children typically observe the behaviours and penchants of others in their milieus. This becomes the function theoretical accounts. Children observation in unhealthy eating wonts and behaviours have brought a rise in childhood weight jobs † ( Department of Health and Human Services, 2010, p1 ) . â€Å" Several possible mechanisms have been proposed to explicate this phenomenon including the followers: i‚ ·A A A A A A A A Constraints on parent ‘s clip potentially contribute to kids ‘s weight jobs, as working parents likely rely more to a great extent than non-working parents on prepared, processed, and fast nutrients, which by and large have high Calorie, high fat, and low nutritionary content. i‚ ·A A A A A A A A Children left unsupervised after school may do hapless nutritionary picks and prosecute in more sedentary activities. i‚ ·A A A A A A A A Childcare suppliers may non offer as many chances for physical activity and may offer less alimentary nutrient options. i‚ ·A A A A A A A A Unsupervised kids may pass a great trade of clip indoors, possibly because of safety concerns, watching Television or playing video games instead than prosecuting in more active out-of-door chases. â€Å" ( Department of Health and Human Services, 2010 ) . In short, the recent societal and economic alterations in American society have encouraged unhealthy wonts of extra ingestion. â€Å" These alterations have [ influenced ] the nutrients available in the places, the grade of influence parents have when kids make nutrient choices and has led to additions in sedentary behaviours among young person † ( Department of Health and Human Services, 2010, p1 ) A Finally there has been a big argument over whether or non overexposure to nutrient advertisement has increased the incidence rates of childhood fleshiness. Although there has been a positive correlativity between â€Å" the hours of telecasting viewed, organic structure mass index, and fleshiness incidence has been documented, the exact mechanisms through which this occurs are still being investigated. It has been estimated that the mean kid presently views more than 40,000 commercials on telecasting each twelvemonth, a crisp addition from 20,000 in the seventiess † ( Department of Health and Human Services, 2010, p1 ) . Furthermore, an â€Å" accrued organic structure of research reveals that more than 50 per centum of telecasting advertizements directed at kids promote nutrients and drinks such as confect, convenience nutrients, bite nutrients, sugar sweetened drinks and sweetened breakfast cereals that are high in Calories and fat and low in fibre and alimentary densenes s. The statistics on nutrient advertisement to kids indicate that: i‚ ·A A A A A A A A Annual gross revenues of nutrients and drinks to immature consumers exceeded $ 27 billion in 2002. i‚ ·A A A A A A A A Food and drink advertizers jointly spend $ 10 to $ 12 billion yearly to make kids and young person: more than $ 1 billion is spent on media publicizing to kids ( chiefly on telecasting ) ; more than $ 4.5 billion is spent on youth-targeted public dealingss ; and $ 3 billion is spent on packaging designed for kids. i‚ ·A A A A A A A A Fast nutrient mercantile establishments spend $ 3 billion in telecasting ads targeted to kids † ( Department of Health and Human Services, 2010, p1 ) . Available research shows that there are a figure of root causes of fleshiness in kids. Choosing one or two chief causes or indispensable factors is following to impossible given the current information because the possible influences of fleshiness have many interlacing factors. There are big spreads in cognition and research, which is restricting the ability to nail a peculiar cause and find the most effectual ways to battle childhood obesity. â€Å" Another research spread stems from deficiency of a perspective longitudinal survey that links dietetic and other behaviour forms to development of fleshiness. Another complication of current informations is that there is a demand for more precise and dependable steps of dietetic consumption and activity degrees, as single callback of events and diet are non the most reliable beginnings for information † ( Department of Health and Human Services, 2010, p1 ) . When believing approximately early bar of fleshiness, it is indispensable that more is understood about how genetic sciences is involved and how the cistrons are triggered or respond to environmental alterations and stimulation. â€Å" Research is merely get downing to explicate how gustatory sensation penchants develop, their biochemical underpinnings and how this information may be utile in controling childhood weight addition † ( Department of Health and Human Services, 2010, p 1 ) . Primary bar is non an option for many kids who are already fleshy. Research on successful intercessions for kids who are fleshy or at hazard of going corpulence is highly of import to cut down efficaciously childhood fleshiness in this state ( Maternal and Child Health Library, 2008 ) . Generally, research has merely begun to rub the surface in clarifying the causes of fleshiness in kids. Filling in the cognition spread will take clip, as implementing some of the survey designs that will outdo light the complex interactions are clip devouring and dearly-won. However, the basicss are clear, to remain healthy, eat a balanced diet and give equal clip to physical activity ( Department of Health and Human Services, 2010 ) . This will assist epidemiologists and maintain down the cost of going healthy.

Teaching Methods For Teaching And Learning - 1809 Words

Teaching Methods Introduction Although teaching and learning are closely related, they are different. Good teaching is measured by the quality of learning a student is getting as measured by the information the students will then have gained knowledge of. There is a high degree of connection between what has been learned by students and how they then grade the teacher and the subject area. Cohen, 1981; Theall and Franklin, (2001), postulate that learners awarded high marks to their teachers when they learned more. Thomas Angelo, also put forth the same criterion when he said; â€Å"teaching in the absence of learning is just talking,† Doyle.T. (n.d.). Existing literature on teaching is full of methods teachers use to present†¦show more content†¦Four teaching methodologies will be discussed herein which are; 1. The Grammar-Translation Method Dating to as far back as the nineteenth century, this might perhaps be the most traditional method of teaching. Some of the oldest languages now referred to as â€Å"dead† languages like Greek and Latin were taught using this method. In this method, one finds that the students will be taught a different language in their mother tongue thus characterizing the system of â€Å"Direct translation† where words are first formed and then translated from mother tongue to the language being learned. The disadvantage is that simply basing on a few rules and translating from an L1 to an L2 a few practice words simplified things greatly. Without focusing on an entire text, learning the translation of a few words at a time and translating them makes the difference between one who is totally ignorant of a language and one who has made some baby steps towards acquiring knowledge of the language. In this regard, the language being learned will simply be rule-governed with not much usage so one may come off without much pronunciation ability. Passivity in learning hampers the learning processes especially when teaching language, (Fosnot, 1989). This weakens the premises of the GTM because students learn from the teacher’s activities and are seldom engaged to use the language inShow MoreRelatedTeaching Methods Of Teaching And Learning Essay1584 Words   |  7 Pagesto describe different practices of teaching and learning. Teaching Australia (2008) defined pedagogy as ‘the art and science of educating children, the strategies for using teacher professional knowledge, skills and abilities in order to foster good learning outcomes’ (p.3). Teaching and learning is a two-way process. Teachers choose the effective instruction modes to disseminate knowledge. Students adapt to different learning styles and use different learning strategies to help them process theRead MoreTeaching Methods : Teaching And Learning2900 Words   |  12 Pageseducation in teaching and learning methods, there has been high demand t o modernise teaching and learning methods from different stakeholders in learning fraternity , increased demand for Value for money in education and teaching has contributed in more student focused teaching methods as compared to traditional method. 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Since I am a student who has studied English as second language learners for a long time, the way to be a better English language learner has stimulated my curiosity. There are several factors affecting language learning. Innumerable studies have been performed in an effort to find a better, fasterRead MoreNotes On Teaching And Learning Methods Essay1062 Words   |  5 PagesEssay Structure Gibbs, G. (1988). Learning by Doing: a guide to teaching and learning methods. Oxford: Further Education Unit. My Outline 1. Description: What happened? a. What: Hardship in the beginning of the study in New Zealand i. Hardly understand the lessons from the first day. Since most the background knowledge such as mathematics were required to be revised. ii. Tried to read books and still hardly understand most of the lesson iii. 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Despite the continued deliberation over which teaching method is best suited to the teach ing of mathematics to students with learning difficulties, explicit teaching has overwhelming come out on top. According to mathematic intervention research explicit instruction is one of the most effective instructional approaches. This paper will put forward the argumentsRead MoreTeaching Styles And Methods Rather Than Learning946 Words   |  4 Pagesfrom other youth ministry classes that I have taken. In this class we discussed more about teaching styles and methods rather than learning about how to deal with adolescents. For me this class really helped me to become more confident that I can be a youth minister. To help relate this experience for me into a paper I will discuss the different historical elements of how to religiously teach, the learning styles, and some of the things that I will take with me as I go out into the field. TheRead MoreTeaching Methods That Affect A Child s Learning863 Words   |  4 Pages In today’s world, there are numerous different teaching methods that affect a child s ability to learn; these different teaching methods have either a positive or negative impact on a child’s learning in-take. In most schools, the instructors are allowed to profess in a way that satisfies their teaching abilities. Majority of teachers nowadays teach the material, test the material, and then move on to the next chapter, without making sure that all of the students understand the contents. ThereforeRead MoreUsing Qualitative Research Methods For Teaching And Learning Research1568 Words   |  7 Pagesinto 3 categories 1. It can be employed on its own as an independent research method. 2. It can be an auxiliary research method used to support quantitative studies as a data source and or a system of continuous investigations. 3. It can be one of several methods used in research. Using qualitative research methodologies for teaching and learning research can supply informative views into student ideas of the learning environment. Stewart, Shamdasani Rook (2007) felt that by understanding the

The Value And Cost Benefits - 1840 Words

1. In Part 1, The Company, Red Jett Sweets lists six â€Å"Ingredients for Success† (p. 251). For each ingredient, designate it as either a cost benefit or as a value benefit and discuss your reason for your designations. Support your answer with concepts from the text covering value and cost benefits. The textbook describes a value benefit as a characteristic related to the nature of the product or service itself. Things like quality, fashion, and reputation are elements that give a product or service value in the eyes of the customer and a cost benefit refers to the ways by which a firm can keep costs low for the customer (Katz, J., Green, R. 2014 pg.195). Mobile Cupcakery is a cost benefit since the use of the food truck saves money by not incurring the expense for a brick and mortar store, and since the truck is mobile; it will also make the deliveries on route to its sales locations which eliminates the need for a separate delivery vehicle. Just Cupcakes is primarily a cost benefit, limiting Red Jett to a single product reduces inventory and the need for more equipment which would drive the cost of the cupcakes up. However this single product concept this can also be considered and value benefit by creating a clear brand identity. Top Quality is a value benefit, the use high-quality ingredients to make cupcakes from scratch gives consumers the appearance of a higher class product that is worth paying a premium for. Shipping is a value benefit not offered by manyShow MoreRelatedCost and Value of Offering Benefits to Domestic Partnership1631 Words   |  7 Pagesto Human Rights Campaign Work Net (2006) fringe benefits such as health and life insurance, a pension or profit-sharing has long been a way for employers to compensate their workers, and for one company to obtain a competitive edge over another. While most employers that offer benefits such as health insurance and dental care also make those benefits available to their employees spouses and legal dependents, the idea of extending such benefits to the domestic partner (DP) of unmarried employeesRead MoreThe Necessity Of Capital Expenditure Essay849 Words   |  4 Pageswe have seen last week, Soft Returns indirect benefits ROI can accurately work as indicators to measure intangible benefits, through the three steps: Identifying a process improvement opportunity, create a formula to calculate the benefits, and determine the costs of the process and the net benefits. This week, I am going to discuss with you The Justification of Capital Expenditure. In this subject, we are going to see the net present value and the profitability index that should be consideredRead MoreProject Scope1007 Words   |  5 PagesConstraints 7 10 Assumptions 7 11 Alternatives analysis 7 11.1 Evaluation Criteria 7 11.2 Alternative Descriptions 7 11.3 Alternative Evaluation 8 11.4 Recommendation 8 12 Cost Estimates 8 13 cost-benefit analysis 9 13.1 Cost Analysis 9 13.2 Benefit Analysis 10 13.3 Comparison of Costs and Benefits 14 14 Risks 15 15 Fund LImitations 16 16 Standards 16 Revision History |Date |Version |Description Read MoreCustomer Perceived Value905 Words   |  4 Pagesfirm that they see as offering the highest perceived value . Customer perceived value  (CPV)  is the difference between the prospective customer’s evaluation of all the  benefits  and  all the costs of an offering and the perceived alternatives. Total customer value  is the perceived monetary value of the bundle or economic, functional, and psychological benefits customers expect from a given market offering. Total customer cost  is the bundle of costs customers expect to incur in evaluating, obtainingRead MoreBusiness Analysis : Climate Design1057 Words   |  5 PagesCustomer Value and the Value Creation Process The first framework that I would like to focus on is customer value and the value creation process. What exactly is customer value? How can you define the value customers create? Referring to a simple formula; benefits – cost = customer value, assists in the comprehension of customer value and the importance of value creation in business strategies. This formula states that the cost of a good or service subtracted from the perceived benefits of the goodRead MoreCost Benefit Analytical Reviews For The New Health Care Insurance Package928 Words   |  4 PagesTo: Department Manager From: Nowayer Aldosari Date: October 18, 2015 Subject: Cost-Benefit Analytical Reviews for the New Health Care Insurance Package in Arapahoe County. Healthcare is expensive and Americans look for the best healthcare they can possibly get. Since consumers are always demanding for better insurance covers, employers are trying to provide the resources that have an effective prices and not raising costs. The Human Resources department in Arapahoe County has recently developed aRead MoreCase02 Piedmont1133 Words   |  5 Pageslife of 5 years. Using a discount rate of 8 percent, the net present value of all benefits is $1,732,836.16; the net present value of all costs is $1,640,384.79; the overall net present value is $92,451.36, and the project breaks even in approximately 3.84 years. Using a 10 percent discount rate, the net present value of all benefits is $1,645,201.46; the net present value of all costs is $1,576,173.19; the overall net present value is $69,028.27, and the project breaks even in approximately 4.04 yearsRead MoreGive Three Examples Of Business Needs For A System1277 Words   |  6 Pageswhat the system will do, and how the organization will benefit from the project which is more geared towards someone with business knowledge rather than technical knowledge. What is the difference between intangible value and tangible value? Give three examples of each. Tangible value can be quantified and measured easily. An intangible value results from an intuitive belief that the system provides important, but hard-to-measure, benefits to the organization. Tangible- better supplier prices,Read MoreCost Benefit Analysis1474 Words   |  6 PagesExplain the principles behind cost benefit analysis. Is the use of cost benefit analysis essential in the appraisal of public spending? Discuss this in the light of a transport capital expenditure project with which you are familiar. Cost–benefit analysis is often used by governments to evaluate the desirability of a given intervention. It is an analysis of the cost effectiveness of different alternatives in order to see whether the benefits outweigh the costs. The aim is to gauge the efficiencyRead MoreThe Ford Pinto1091 Words   |  5 PagesThe Ford Pinto Question 1 What moral issues does the Pinto case raise? ANS: The Pinto case raise the moral issues of what is the dollar value of the human life. That the businesses should not be putting a value on human life and disregard a known deadly danger. In order to perform a risk/benefit analysis, all costs and benefits must be expressed in some common measure. This measure is typically in dollars, as the Ford Motor Company used in its analysis. This can prove difficult for things that