How Micro Financing Has Created Intrigue Essay - 1661 Words

In recent months a new concept of micro financing has created intrigue. Micro financing has many definitions but the most popular reference these days is the practice of informal loans between individuals rather than institutions (peer to peer Micro loans). Micro financing first became popular in third world countries where entrepreneurs were able to start businesses for as little as twenty-five dollars. Many were able to quickly repay their loans and often times become grantors of other peoples loans. This created a formula for prosperity though admittedly on a small scale. As micro financing web sites began to pop up for use in more industrialized nations one question became obvious. The maximum request is capped at ten thousand dollars with most micro financing organizations. So what enterprises would actually benefit from the loan? There are not a large number of start up businesses that can be built in the modern world for a mere ten thousand dollars. Most franchise opportuniti es require well over a twenty-five thousand dollar initial investment. Even legitimate home based businesses are not cheap. Surprisingly entrepreneurs seem to be able to do a lot with limited funds. A little research on one of the more popular micro loan web sites www.kiva.org turned up a large number of people with success stories based on loan amounts far less than the maximum. No one had plans to start up a franchise but there were many people with clear and realistic goals. A large number ofShow MoreRelatedApple Inc. in 201010691 Words   |  43 Pagessupplied chiefly by two firms: Intel and Microsoft. Microprocessors Microprocessors, or CPUs, were the hardware â€Å"brains† of a PC. Intel commanded roughly 80% of the PC CPU market. Competition emerged in the 1990s from companies like Advanced Micro Devices and more recently, VIA Technologies. Still, Intel remained the market leader with leading-edge technology, manufacturing scale, and a powerful brand. Since 1970, CPU prices (adjusted for changes in computing power) had dropped by an averageRead MoreManagement Course: Mba−10 General Management215330 Words   |  862 PagesValue I. Valuation 229 229 253 279 1. The Value−Based Management Framework: An Overview 2. Why Value Value? 4. The Value Manager Harvard Business Review Finance Articles Eclipse of the Public Corporation 308 308 323 323 330 330 Article How I Learned to Live with Wall Street Article Second Thoughts on Going Public Article Reed−Lajoux †¢ The Art of M A: Merger/Acquisitions/Buyout Guide, Third Edition 10. Postmerger Integration 336 336 Text Hodgetts−Luthans−Doh †¢ InternationalRead MoreStrategic Marketing Management337596 Words   |  1351 Pagesedition 1997 Reprinted 1998, 1999, 2001, 2003 Third edition 2005 Copyright  © 1992, 1997, 2005, Richard M.S. Wilson and Colin Gilligan. All rights reserved The right of Richard M.S. Wilson and Colin Gilligan to be identified as the authors of this work has been asserted in accordance with the Copyright, Designs and Patents Act 1988 No part of this publication may be reproduced in any material form (including photocopying or storing in any medium by electronic means and whether or not transiently or incidentallyRead MoreProject Mgmt296381 Words   |  1186 Pagesproject management, organizational behavior, and leadership. His research and consulting activities focus on project management. He has published numerous articles on matrix management, product development, and project partnering. He has been honored with teaching awards from both the Oregon State Uni versity MBA program and the University of Oregon Executive MBA program. He has been a member of the Portland, Oregon, chapter of the Project Management Institute since 1984. In 1995 he worked as a Fulbright

Ethics Is Not Moral Or Immoral - 940 Words

Ethics is not relative to the culture that we live in. Ethics is not based on one countries’ morals. If one country believes something is not morally right, but in other countries it is. This does not mean it is based on the culture to make it moral or immoral. Ethics is not based on one specific society, but ideas. Ethics is about discussions and how theories can be put into effect. If the United States disapproves of cannibalism while another country is completely okay with it. This gives us no point for choosing between the two. When we say cannibalism is wrong we are saying the United States disapproves (Singer 6). Singer is saying that ethics doesn’t change by location. People cannot say that just because one location practices cannibalism that it makes it moral for that location. If it is immoral for one place it is immoral universally. Humans become relativists when they have no argument or disagreement, only have interests of preferences that have been stated. R elativists bring no arguments and cannot be wrong because they have only stated their opinions. No argument will happen if there is no disagreement that sparks a discussion (Singer 5-7). Ethics is also not a matter of subjective taste or opinion. Ethics is not based on a bias. It is meant for the general audience so it must be applicable to everyone. This also means it s not based on a sole idea that is most commonly shared, like religion. Ethics does not choose sides, but is about the discussion of ideas. IfShow MoreRelatedDeontological Ethics881 Words   |  4 PagesDeontological Ethics in Location-based Social Media There are so many location aware applications on my â€Å"smart† phone; I do not know how I could have lived without these features. There are applications that tell me where is the closes gym that I am a member of. There are applications that give me information on the weather of the current city. There are even applications that will locate the closest â€Å"driver† to taxi me wherever I want to go. And of course, all these can be shared on facebookRead MoreThe Difference between Morals and Ethics818 Words   |  3 PagesMorals and Ethics Many people use the words â€Å"ethical† and â€Å"moral† as descriptive words interchangeably. However, ethics and morals are dissimilar from one another, for there are many factors that differentiate one from the other. Associate Justice of the United States Supreme Court Potter Stewart once stated, â€Å"There is a big difference between what we have the right to do, and what is right. This statement alone encompasses the general distinction between ethics and morals. Morals, as definedRead MoreKantian Ethical Analysis1614 Words   |  6 Pagesb) - Kantian Ethical Analysis: 1 - Introduction and brief explanation of Kantian ethics: German philosopher Kant was first to introduce the Kantian ethics; hence, the named after him. According to Professor Elizabeth Anscombe, Immanuel Kant was Unitarianism’s rival; he believed actions that are taboo should be completely prohibited at all times. For instance, murder should be prohibited. Even though nowadays a person cannot be punished if death is involved as a self defense, from Kant’s perspectiveRead MoreThe Definition Of Illegal, Unethical And Immoral1152 Words   |  5 PagesThe Definition of Illegal, Unethical and Immoral Definitions are important in any piece of persuasive writing. In particular, it is important that both the writer and the reader understand the particular term that is being defined. This process makes sure that both the author and the reader have the same definitions. This paper attempts to provide definitions for three particular terms: illegal, unethical, and immoral and makes clear distinctions among them. According to the New Oxford AmericanRead MoreHumes Ethics1047 Words   |  5 PagesHume’s Ethics Contents 1. Introduction 2. Hume’s ethics as an emotive theory of ethics 3. Conclusion 4. Bibliography David Hume is an outstanding Scottish philosopher of the 18th century whose views has a significant impact on the following generations of thinkers throughout the world. His sceptical arguments concerning induction, causation and especially religion, including his famous thesis that human knowledge arises only from sense experience and not from rational judgments, shaped theRead MoreEssay on Compare Mill and Kant’s Ethics862 Words   |  4 PagesKant’s Ethics may best apply to modern business. Kant said right action based on a set of moral rules, and the right action is supposed to be the one that conforms with these rules, whereas certain other types of action are morally forbidden. He also suggests that people should be treated with respect and as ends in their own right, not solely as means to others ends. On the contrary, Mill’s ethics only concern about the happiness of majority instead of duty itself. Thus, the question how couldRead MoreEthics : Ethics An d Ethics1200 Words   |  5 Pagestoday’s business and corporate environment there are ethical company standards which all associates must follow but businesses and their representatives are not moral agents. These are two (2) of the ethics business representative follows or implement in their companies: Deontology ethics which concerned with duties and rights. Rule Utilitarian ethic which focus on the beneficial consequences of breaking the law. An associate may want to conduct business ethically and for the most part they do but to closeRead MoreThe Right Of Privacy And Privacy1554 Words   |  7 Pagesbehavior unprofessional or immoral? Do you believe she was unfit to teach? Provide a rationale for your position. Ethics vs. Morals. (n.d.). Morals generally prescribe the dos and don ts of individuals in the society. Morals are principles that are personally created and upheld by individuals, and they are influenced by external factors such as culture and society. Morality is basically viewed as a personal guide to what is right and wrong. Morality goes along with the code of ethics which are principlesRead MoreMorality Is Objective Moral Theory962 Words   |  4 Pagessource to affirm this fact of objectivity. (1) Famous’ first contention is that normative ethics are subjective and thus cannot be used to affirm objectivity. This is entirely untrue. It is worth noting that he provides no source to back this claim up. Likely because no such sources exists. Normative ethics â€Å"rest on principles that determine whether an action is right or wrong.† (2) Utilitarianism is an objective moral theory. The second contention raised against this premise was that I have not providedRead MoreThe Ethical Justification Of Abortion Essay1095 Words   |  5 Pageshumanitarian ethics and morals. However, this particular perspective is orientated by the normative ethics system entailing utilitarianism versus deontology. Alternatively, this excerpt shall focus on analyzing the social altercations of abortion based on views and opinions presented by two influential individuals, namely Marquis and Steinbock. By identifying the main arguments and key elements apparent in the two arguments, the study is likely to derive rational insight concerning moral permissibility

Kangaroos Essay Example For Students

Kangaroos Essay KangaroosClass: MammaliaOrder: MarsupialFamily: MacropodaeGenus and Species: Macropus GiganteusHOW THE KANGAROO GOT ITS NAMEWhen European explorers first saw these strange hopping animals they asked a native Australian (aborigine) what they were called. He replied kangaroo meaning I dont understand your question. The explorers thought this was the animals name. And thats how the kangaroo got its name. Description: Kangaroos are marsupial mammals and comprise 47 species within the family Macropodidae. The three largest species of kangaroos belong to the genus Macropus; they are the gray kangaroo, or forester, Macropus canguru (sometimes called M. giganteus or M. major); the wallaroo, M. robustus; and the red kangaroo, or red flyer, M. rufus. The best-known species, the gray kangaroo, is found mostly in open forests of eastern and southwestern Australia and Tasmania. It is long-haired and silvery gray in eastern coastal regions but short-haired and dark gray inland. The red kangaroo, which is found throughout Australias interior grasslands, is the largest and most powerful species. A male may attain a head-body length of 1.5 m; have a tail 1 m long; stand 2 m tall; and weigh 90 kg. A gray kangaroo can clear more than 9 m (30 feet) at a bound and attain a speed of 48 kilometres per hour. The wallaroo, a smaller and stockier animal, may be dark gray to pinkish brown; it lives in rocky country throughout Australia except Victoria. These large kangaroos travel in groups (mobs) under the leadership of the largest male (old man, or boomer), which dominates younger rivals by biting, kicking, and boxing. Each long, narrow hind foot has four toes. The short forelimbs are used almost like human arms, but the thumb is not opposable. Kangaroos possess soft, wooly fur, and some have stripes on the head, back, or upper limbs. All kangaroos have a chambered stomach that is functionally similar to those of such ruminants as cattle and sheep. They regurgitate the vegetation they have eaten, chew it as cud, and then swallow it again for final digestion. Kangaroos need very little water to survive and are capable of going for months without drinking at all. When they do need water, they dig wells for themselves, frequently going as deep as three or four feet. These kangaroo pits are a common source of water for other animals living in the kangaroos environment. Kangaroos usually have one young annually. The young kangaroo, or joey, is born alive at a very immature stage, when it is only about 2 cm long and weighs less than a gram. Immediately after birth it crawls up the mothers body and enters the pouch. The baby attaches its mouth to one of four teats, which then enlarges to hold the young animal in place. After several weeks, the joey becomes more active and gradually spends more and more time outside the pouch, which it leaves completely between 7 and 10 months of age. Female kangaroos enter into heat within a few days after giving birth; they mate and conceive, but after only one weeks development the microscopic embryo enters a dormant state that lasts until the previous young leaves the pouch. The development of the second embryo then resumes and proceeds to birth after a gestation period of about 30 days. Male red kangaroos are of a reddish brown colour on their fur where as the female red kangaroo is a greyish blue colour. The largest is the Red Kangaroo. It stands taller than a man and can weigh 85 kgs. It is the largest marsupial in the world.Both of the grey kangaroo sexes have grey fur. A Kangaroo is a marsupial mammal. It is a macropod which means big foot. The Kangaroo moves by hopping on its powerful hind legs. It uses its thick long tail to balance its body while hopping. A kangaroo can hop at up to 60kmh (40mph). It can also leap over obstacles up to 3m (10ft) high. Because of the unusual shape of its legs and its bulky tail a kangaroo cant walk or move backwards very easily. The life of a kangaroo: In general kangaroos rest in the shade during the day and search for

Influence of Customers Culture on the Expectations of a Hotel/Resort Experience

Asian customers are known to always expect quality services regardless of the cost of the service. In addition, they are known to prefer services whereby the quality of interpersonal relationship and the interaction between them and those that are serving them is high.Advertising We will write a custom essay sample on Influence of Customer’s Culture on the Expectations of a Hotel/Resort Experience specifically for you for only $16.05 $11/page Learn More This may be attributed to the fact that in Asia, consumer orientation especially in service industries like hospitality is high. The Four Seasons restaurant caters to the unique needs of their Asian customers by providing highly personal services. They also have Asian cuisine for the purpose of satisfying the palates of these consumers. In contrast, western customers are not bothered if the services that are offered to them are impersonal; they are more satisfied when these services are delivered i n time, and with efficiency. Culturally, Americans have been socialized to be self reliant; they are self centered people that value individuality. Service delivery at the Four Seasons is able to accommodate the expectations of these customers and others. The needs of these customers and others are attended to on time. European customers, especially those from East Europe do not expect quality customer care services in any situation but they are normally very appreciative of services when available. This is because ordinarily, they have to be aggressive in order not to be overlooked in the course of trying to procure a service; and visitors to this region also notice the lack of warmth in customer care. This is a manifestation of the local culture. However, at Four Seasons; the quality of services offered is not compromised for guests of this origin. They are accorded the same quality treatment as the guests of any other origin. Latin American customers of hospitality products on th e other hand expect to get value for their money especially while in high end restaurants such as The Four Seasons. They also value warmth and friendliness from the staff of the hospitality institutions within which they are paying for services. The four services hotel ensures that their needs are met by providing services that are of even a higher quality than what customers expect. As far as customers of Arabian and Middle East descent are concerned, their expectations of a hospitality institutions are based on their religion; Islam. These customers prefer institutions whereby their religious views and beliefs will not be interfered with. Their religion governs how their women dress and how they interact with members of the opposite sex. At the Four Seasons, the management and staff are sensitive to make these customers comfortable.Advertising Looking for essay on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More This is done by ensuring that the visitors that come to the institutions moderate their behavior while in areas used by most of the guests such as the dining rooms. There are areas whereby the guests that are not as conservative are able to enjoy themselves without causing distress to the conservative guests, for example, at the hotel’s club. Most Black customers expect very high value for the money that they pay to an institution. They are known to spend their money sparingly even as far as tips are concerned. The Four Seasons manages to satisfy these customers’ expectations by offering more than expected for the money offered. This goes to satisfy the needs of black customers and encourages them to continue using the services of the hotel. This essay on Influence of Customer’s Culture on the Expectations of a Hotel/Resort Experience was written and submitted by user Ezra Jacobson to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.