Case Study Of Sacco

Case Study Of Sacco
1.1.1 Growth of SACCOs
Over the past four decades, Sacco's have been especially vibrant in rural areas since the banks left a
gap when they withdraw from service provision to the poor or middle class people of the rural. In
1975, rural Sacco's membership was 500,000 and this has grown to 1.2 million in 2005. In this
period, Sacco's were primary closed cooperatives dealing only with active members of specific
organizations with a common bond. Larger Saccos have opened up to non–member clients by
stablishing FOSA while others still continue to offer limited services to members only. This offers a
broader range of financial services to both members and non–members. Larger Sacco's in terms of
capital base began offering FOSA's in their head during the economic liberation period of 1990's
when commercial banks withdrew their services from less viable areas. Hence the FOSA's attract
former bank customers who were left without any banking ... Show more content on Helpwriting.net
...
Cooperatives planning include preparation of annual budgets, which are approved during the annual
general meeting by members. After budget preparation, different cost centres are allocated funds by
members present. The management usually over looks such plans with little or no consequences.
Cooperative societies enhance its growth through well trained management who understand their
role effectively. The management of societies is determined by the democratic nature of governance
in cooperative societies and the members elect the management committee for a specific term. The
problem comes up when the people elected are not good managers and end up running down the
societies or mismanages the Sacco funds (Mudibo 2009). He continues to say that; majority of the
problems bedevilling co–operatives arise from bad governance and poor economic management or
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An Effective Modern Human Resource Management
From the personnel to Human Resource Management requires re–thinking of traditional approaches
of changing nature of work, workers and organizations. Efficiency and productivity and also
demand fairness and equity for an organization, Human resource gives their vital contributions and
is unique. The overall productivity of an organization can give a blow by equity. In the organization,
to give a proper balance an effective modern Human Resource Policies is required. The functioning
of the organization can disrupt with any disparity factors like job satisfaction or job description
training programme or appraisal system. The performance of employees is the base of the
foundation of organization. The best performance can only be given by the employees if they are
fully aware of their duties and responsibilities. The organization defines all the duties and
responsibilities. Organizations are building to achieve some goals or objectives. And thus, achieving
those goals requires efforts of number of people, so they are collective rather than individual. A job
is called when the worker and work comes together and the role of worker is played properly.
Through job analysis information about jobs are obtained. This helps in forming a sound PMS as job
analysis helps in securing all sorts of job data. Through this report the reader will get to know about
the organization following old traditions of Human Resource deals with Performance Management
System. My Dissertation is a

Business Owners Of Sole Proprietorships And Partnerships
I. Introduction
When the term "salary" comes to mind, people reference employee wages and the taxes paid by both
the employee and the employer. However, the term has a slightly different meaning when it comes
to payment of business owners. There are many options on how business owners can be paid, but
the options are based on the business entity election. Business owners of sole proprietorships and
partnerships do not receive a real salary; instead they receive profit distributions from business
operations. Profits from a partnership are then divvied up based on the ownership percentage of each
partner. They are not responsible for paying the FICA tax, but they do need to pay self–employment
taxes and quarterly estimated taxes. Business ... Show more content on Helpwriting.net ...
The first major source include the services performed by the shareholder (i.e. administrative tasks &
daily business tasks) in which require compensation to be awarded from distributed profits. The
second and third major sources include acquired profits from non–shareholder employees as well as
equipment and capital added to the business. The profits that are distributed from these sources are
indirectly created within the business and are to be distributed as compensation and dividends (S
Corporation Compensation and Medical Insurance Issues 2016).
The IRS knows that business owners are not keen on paying taxes, so they have put together a list of
rules to make sure that business owners are compensating themselves. One of the biggest
advantages of electing the S–corporation status is being able to take a salary as well as distribute
profits to shareholders. However, determining the amount of the business owner's salary can be
problematic. Since Mr. Jones and Mandy are going to take salaries of $180,000 and $70,000
respectively, the IRS is not going to notice red flags. Another key point is that profits should be
divided in a way that salaries are more than distributions. The 60/40 split allows Mr. Jones to claim
60% of all profits to be distributed, nothing higher or lower. If Mr. Jones' company made $100,000
one year, he could not claim anything higher

Advantages And Disadvantages Of Cooperatives
14.31 Workers' co–operatives
In large public companies, management and ownership are separate. By contrast, in workers' co–
operatives employees will have contributed towards the capital of the organisation and may elect
managers at annual meetings.
The advantage of workers' co–operatives is that all workers can take part in discussions regarding
their firm. Therefore, there is a strong incentive for workers to work harder and increase profitability
if they anticipate receiving higher dividends from their shares.
Another advantage is that taking part in the decision‐making process helps to motivate workers.
However if the co–operative becomes bankrupt then the workers will lose both their jobs and the
value of their shares. It may then be difficult to persuade employees to put more capital into the
business. The objectives of co–operatives are usually to provide goods and services to consumers at
reasonable prices and to pay fair wages to the workers.
Whilst there have been workers co–operatives for a considerable time there has been a noticeable
increase in their number in recent years. Many ... Show more content on Helpwriting.net ...
In order to avoid people having shares in order to pay the advantages of windfalls, the Nationwide
Building society, which is the largest, has a clause that new shareholders i.e. almost anyone who has
deposits agrees to forgo the windfall and the money would instead go to a trust. The logic of this
clause was otherwise, since there is one member one vote so–called carpetbaggers would have small
deposits in the mutual organisations and would then try to get a vote on getting the organisation to
become a company since they would get a disproportionate return if the building society could be
turned into a company rather than a mutual

The Disadvantages And Disadvantages Of Smallholders And...
2.1.4 Smallholders and Farmer Cooperatives
Coffee farming is crucial as the source of income for smallholders farmer in most of developing
countries. Although, the number of private plantation is quite small, they might have the possibility
to break the boundary and an access broader market channel. However, small–scale farmers might
have several constraints that prevent them from reaching the market. The demand for high quality
products and consistent volumes is one of the possible constraints that they might face. Several
studies have been drawn the important barrier encountered by developing country producers
regarding institutional and infrastructural support (Trienekens, 2011:52). To some extent,
smallholders also faced a various disadvantage ... Show more content on Helpwriting.net ...
Still, economies of scale in production are different from economies of scale in marketing that are
rife in high value export market. The conflict lies in the requirements for marketing in terms of
information procurement and dissemination, the role of reputation and branding and the importance
of negotiations (Roy and Thorat, 2008:1876). Although Fischer and Qaim (2012) argued that
cooperative organizations do not necessarily mean that the farmers can get better access to market,
but the farmers' organization can be the important catalyst for innovation adoption and upgrading of
production systems through promoting efficient information flows (Fischer and Qaim,

Analysis Of The Niagara Local Food Co Operative ( Rbv )...
Resource–Based View (RBV) Analysis Since the Niagara Local Food Co–operative (NLFC) acts as
an intermediary between the local suppliers and the local customers, their main channel of
communication between the two parties is their online website. The co–operative does not stock any
inventory relating to the offerings that the supplier has available for sale since it is the supplier that
determines the quantity and the type of food available for sale through the website. The organization
has no control over what the suppliers get to offer; the power lies within them. Due to the website
being the main communication tool between the supplier and the customer, the organization does
not procure nor hold onto inventory of products. The only time the co–op has access to the products
being sold is when the producers drop off their products at a hub, where a volunteer either receives
and waits for the purchaser to arrive to pick up their goods or the volunteer delivers the products to
the customer's location (if he or she elected to have it delivered). Based on this operation, there are
no tangible assets that the organization possesses. However, the co–operative has procured a variety
of products from the Ontario Natural Food Co–op in order to maintain its diverse offerings for its
members. They send out surveys to its members to determine what their customers' preferences are.
Once they have an idea, they perform a trial and error process by buying items that may suit the
customers'

Differences And Differences Between Amul And Other...
Differences Between AMUL And Other Cooperatives Following The "AMUL Model"
The NDDB was created so that it could implement AMUL'S Model in other states. Though the main
three tier system is common everywhere there are some differences between them and AMUL which
might be the reason that the other cooperatives have not been as successful as AMUL (Prasad and
Satsangi).
In the other cooperatives the Managing Director is an IAS officer unlike in AMUL's case where the
Managing Director is chosen from amongst the selected representatives chosen by the members. The
negative impact of this is that the IAS officer won't have that level of an attachment that a farmer
who was elected would have. Hence this would surely impact the cooperative adversely.
In other government cooperatives the government has a share in it. Therefore there are government
representatives also on the board of directors other than the Managing Director. These Director's
influence the decisions of the board hugely and in the end it might result in these government
directors taking the decisions and one of the prime principles of a cooperative which is ... Show
more content on Helpwriting.net ...
Seeing the way AMUL and the other cooperatives have grown I can see the reason why Lal Bahadur
Shashtri wanted the Amul model to be emulated in other states. Having farmers as policy makers of
the cooperate and with some assistance from professionals in running the cooperation was an
incredible idea. By providing technology and a support system to the rural producers, the
cooperative has really increased the standard of living of the people living in rural areas. As rightly
said by Kaur in her research paper, "The dairy cooperatives are among those few institutions in
India, which still cherish a strong Cooperative identity, values and purpose. They still boast of
idealism & good will of members and

P2/M1 Unit 37 Essay examples
Explain the implications for the business and stakeholders of a business operating ethically. (P2)
All businesses have a number of stakeholders each with individual interests in what the business
does, the owners (In co–ops case, the members) will want good financial gains from their
investments. Businesses such as co–op should be managed with the interests of all stakeholders in
mind.
Stakeholder is anyone with an interest in a business. Stakeholder can be individuals, groups or even
organisations that are affected by the activity of the business, they include:
Owners who are interested in how much profit the business makes Managers who are concerned
about their salary Workers who want their wages to be ... Show more content on Helpwriting.net ...
As I mentioned in the introduction it is more than likely that there will be conflict between one or
more of the stakeholders of the cooperative, one conflict that is more than possible is between the
environmentalists and the members of the cooperative. If the co–op bring out a brand new product
or range etc at it seems to be doing well then the members will be pleased that their investments has
paid off and they are getting good profits of it. However if the products is controversial for example
tree's have been cut down to help make the packaging of the product then environmentalists might
decide to make a big campaign, protesting to get the products of the shelves. If the environmentalists
succeed in their protests then it means the members are losing a good profit which is a big loss for
the company.
The second type of stakeholders is:
External stakeholders: Groups who may have an impact in the business but are not in the inner circle
– eg suppliers and the local community. The suppliers are a very important part of the business and
without them the co–op wouldn't be able to function properly. If for example the co–op wanted to
reduce their carbon emissions then this could affect the suppliers.
Because the suppliers will normally either use big lorry's or through aeroplanes (if they are shipping
from abroad) this

Advantages And Disadvantages Of Cooperative
Theoretical Background
The history of forming a cooperative started when the Filipinos traveled in Europe during the later
part of the 19th century, studied abroad and brought home with them new ideas. It was this group of
Filipinos who were in close contact with the new economic movement in Europe. Two names
worthy of note were Dr. Jose P. Rizal and Teodoro Sandiko. In Dapitan, Rizal had his ideas in
cooperation partially fulfilled. He put up a school for the poor community on a purely cooperative
basis. He also established a cooperative store with the help of his pupils. One noteworthy group
organized by Rizal was the La Sociedad de los Abacaleros (Society of Abaca Producers). This
functioned for only one year. Rizal returned the members share capital without any loss. Teodoro
Sandiko, in his travels in Europe, had a close contact with the cooperative movement in Germany
where he came across with the Raffeisien movement. Very much impressed by this type of
cooperative, he looked forward for an ... Show more content on Helpwriting.net ...
One main advantage of cooperative is that it is easy to form compare to any other business
organization. No legal formalities are really needed to form this.(Thames & Hudson, 2011) Second
advantage is that there is no obstruction for membership. Anyone can be a member of a cooperative
and can also leave if he/she no longer wants to continue his/her membership. (Davidson &Davidson,
2010) Third advantage is that it is democratically managed; it is managed by the elected officers of
the cooperative with all the members having the equal right to choose and vote. (Democracy for
Cooperation, 2010)The last or fourth advantage is that the members shared the surplus of the
cooperative. The profit from goods sold are distributed to its members and some of it are reserved or
kept also for the welfare of its member which is mainly used for the managing or expanding of a
cooperative. (Today in Cooperatives,

Business Environment Task 1 and Task 2
BUSINESS ENVIRONMENT TASK 1 AND TASK 2 a)Identify the purpose of different
organisation giving examples(AC1.1) Sole trader–it's a business that is owned by only one person
and it can have one or more employees. This type of business organization often succeeds because
the owner has total control of businees, the owner keeps all profit and it's cheap to start–up,but also
it can be difficult to raise financial,it may be difficult to specialise or enjoy economies of scale and
can also have problems with continuity if sole trader retires or dies. E.g * Small retailers * Plumbers
* Builders * Beauticians * Internet entrepreneurs * Market traders * Grocers * Butchers
Partenership it's a business that is ... Show more content on Helpwriting.net ...
McDonalds, Holiday Inn, Pizza hut etc. Public sector refers to the part of the economy concerned
with providing essential government services. The public sector includes such services as a police,
military public roads, primary education and healthcare for the poor. Advantages: * Prevent
exploitation of the customers * Avoid duplication of resources * Protect jobs and maintain key
industries Disadvantage: * The government controls and runs everything E.g. Metropolitan police,
British army etc. BEN&JERRY Ben&jerry stakeholders include management executive,
chefs, creative artists, staff and brand ambasador. STRATEGIC OBJECTIVE * To became a leading
brand amoung dairy product industries TACTICAL OBJECTVE * To employ professionals such as
food and diet specialist,R&D executives and consultant. ETHICAL OBJECTIVE *
Communicated to corporate social responsability and respect the earth and green environment. c)
M1. Explain the responsabilities of an organisation and strategies employed to meet them. ASDA
POLITICAL | ECONOMICAL | SOCIAL | TECHNOLOGICAL | ENVIRONMENTAL |
LEGISLATIVE | Trading policiesEmployment lawTaxation(corporate

Case Study Of The Marketing Strategy Of Kasaragod Weavers...
The success of a business depends not only upon production of the output but also the proper
marketing of output. Every management is aimed at safe of the product to earn maximum profit.
In the business world, one can find different from organization. Important among them are sole
proprietorship, partnership firm, joint stock companies and co–operative societies. The most suitable
form which is beneficial to the people of different walks, of life in, many respects is co–operative
society like many another form of business enterprises. The co–operative is also an economic
organization. They also depend on business efficiency for their success.
Co–operative occupies one important place in the place of small industries, agro industries and
handicrafts. ... Show more content on Helpwriting.net ...
Efficient function is any business is closely related with efficient marketing of products. The
marketing manager should evaluate the marketing position in terms of profit. This study is based on
the marketing strategy of Kasaragod Weavers Co–operative Society. The sales turnover from 2011–
12 to 2014–15 has been considered for evaluation.
The Kasaragod Weavers Co–operative production and sale society Ltd. being a co–operative
institution is organized to undertaking production and sales activities on behalf of its members. It
should be able to obey co–operative principles.
At the same time, being an enterprise, it should be to attain the organizational goals such as
profitability, expansion, human resource development etc. the achievement of their objectives help
the institution to uplift the economic and social progress of its members and public. The success of
Kasaragod Weavers Co–operative society Ltd. depends on how efficiently its operations are carried
to attain its objects. In these circumstances, a study of the market performance of the weavers co–
operative society Ltd. assumes special

Strategic Analysis Essay
Strategic Plan Analysis Paper Sunkist is a leading international citrus supplier, but what you might
not know is that they do not own a single citrus grove, and although they are a billion dollar a year
organization, you cannot buy stock–because there is none. Sunkist is a cooperative not–for–profit
company with over 6,000 citrus grower members from California and Arizona and has joined forces
to produce the high–quality Sunkist fruit you have come to know and love. Sunkist is one of the 10
largest marketing cooperatives in America and the largest marketing cooperative in the world's fruit
and vegetable industry. In competitive international market today, an independent grower stands
alone against the competition. As a member ... Show more content on Helpwriting.net ...
Sunkist growers and packers have worked hard to help fulfill the orders for this very important
segment of their business. After noticing increasing numbers of Mexican lemons coming in from
groves planted for Coca Cola, Sunkist needs to be proactive with regards to this product and has
been working with shippers on new strategies.
Opportunity
Packaging is an indispensable selling tool today. It allows Sunkist to communicate quality and value
to its customers and clients by providing solutions to their changing needs in transportation,
displays, merchandising and new technologies. Many new packaging concepts under development
and are built upon the successes of prior years. The poly bag, printed with the vintage Sunkist crate
label, proved so successful in marketing Valencias that this winter Sunkist developed two new
holiday bags, featuring a Sunkist snowman and Santa Claus, to sell navels.
Threats
Sunkist is seeing slowdowns in foodservice, retail, club store and wholesale markets. The sales force
is working hard on post New Year holiday ads, most focusing on multi–varietal offerings. Sunkist
should see volume build early as the eating quality of the crop is weeks ahead
of schedule. Sunkist is also working to make sure the domestic pull lines up with the anticipated
Chinese New Year's export shipments.
Trends
Sunkist, in partnership with the Culinary Institute of America (CIA)

The Annual Women And Fair Trade Festival Essay
On a crisp morning this past fall, cooperatives from around the world set up shop in an Austin,
Texas, church for the annual Women and Fair Trade Festival. While most of the vendors were
veterans of collective organizing, one group of single immigrant mothers used the festival to debut
their food cooperative, Cooperativa Posada.
Three Mexican women–Silvia, Elideth, and Erika–and a Guatemalan woman named Hilda spent a
near–sleepless night preparing dozens of their distinct regional varieties of tamales, some wrapped
in corn husks and others in moist banana leaves. Nebat, the lone Ethiopian member of the
cooperative, prepared some luscious, dark, traditional Ethiopian coffee by roasting the beans on a
metal plate over an open flame, then grinding them by hand.
The products of their labor were not only nourishment for the festival attendees (who lined up for a
taste), but also an attempt to raise the awareness–and donations–needed for their cooperative to
succeed. On a broader level, the tamales and coffee represented the mothers' efforts to create an
opportunity for self–sufficiency, to foster collective economic empowerment, and to forge a path
forward for themselves and their families.
All the Cooperativa Posada members currently live or have lived at Posada Esperanza in Austin, a
shelter for homeless immigrant mothers and their children. The shelter houses 16 families, most of
whom are undocumented immigrants or asylum seekers from Latin America and Africa who have
fled

Warehouse Advantages And Disadvantages
3. Type of warehouse
3.1 On the basis of Structure
Warehouse are built in different ways to meet the special requirement for storage. Different
warehouses are constructed for specific goods. While selecting the types of warehouse, one has to
take into consideration the factors like the nature of goods, the quality and the climatic condition.
From the point of view of structure, the following types of warehouses are found:
 Classical Warehouses
 Silo
 Bins
 Elevator
 Portable Warehouse
 Automatic Warehouse
3.1.1 Classical Warehouses
It is a single storey building divided into various compartments through a concrete wall. These
warehouses are generally used for storage of general merchandise. Racks and lift trucks may also be
provided ... Show more content on Helpwriting.net ...
A public warehouse is also known as duty–paid warehouse.
Public warehouses are very useful to the business community. Most of the business enterprises
cannot afford to maintain their own warehouses due to huge capital Investment. In many cases the
storage facilities required by a business enterprise do not warrant the maintenance of a private
warehouse. Such enterprises can meet their storage needs easily and economically by making use of
the public warehouses, without heavy investment.
Public warehouses provide storage facilities to small manufacturers and traders at low cost. These
warehouses are well constructed and guarded round the clock to ensure safe custody of goods.
Public warehouses are generally located near the junctions of railways, highways and waterways.
They provide, therefore, excellent facilities for the easy receipt, despatch, loading and unloading of
goods. They also use mechanical devices for the handling of heavy and bulky goods. A public

warehouse enables a businessman to serve his customers quickly and economically by carrying
regional stocks near the important trading centres or markets of two

Case Study: Go Global or No
Case study: Go Global or No
Abstract
Greg McNally, the CEO of the DataClear had owned the data analysis market for two years to itself.
But British VisiDat had starting to compete by producing beta testing of data analysis package.
DataClear had the potential to expand their business in other industries such as the chemical,
petrochemical and pharmaceutical or expand overseas to prevent their business from going down
and beaten by the competitor.
Issues
As the British VisiDat starting to sell similar product, the data analysis package market will not
owned to the DataClear anymore. Worst, if the VisiDat are entering the global market, the DataClear
performance will badly pressured if they did not take any action quickly. The CEO of ... Show more
content on Helpwriting.net ...
They are lack of experienced to do business across–border, so they did not yet prepare to do so.
They did not have international sales strategy and the CEO also lacks of international management
experience. If they interested to go global, they have the opportunities to joint venture with Benro
which are familiar to the Europe. As that can reduce the cost by making Benro as the distributor of
their software, Benro also familiar to the Europe culture. Even so, they have many threats that
trouble them to maintain their performance. As they are starting to have competitors, they must do
something to assure their business survives. If they decides to expand internationally, they must
account the high cost of starting up business in other country. Besides the different language and
culture, they lacks of expertise to recruit local quality staff. They also might faced difficulty to
transfer their fragile installations equipments. Based on the CAGE framework, shows the analysis of
the condition of the company if they want to expand their business internationally. In cultural
distance, obviously, they use different language and have different ethnicities. If they want to run
business in other country like Japan, they have to know the social norm in the country. Like in
Japan, they detailed their works perfectly and not likely to take risk and choose the safest option
while the U.S people are risk

National Cranberry Cooperative Case Study Essay
National Cranberry Cooperative Case Study 1. How might transport vehicles be utilized more
effectively? Should crews be scheduled differently on peak days?  More crews should be
scheduled in the bagging station during peak days  The fourth bagging station should be utilized
during peak hours (instead of just three of the four being used at a given time)  An additional
2,667 bbls per 12–hour period could be processed with these changes At receiving plant no. 1 (RP1),
trucks would arrive randomly throughout the day, with a random amount of berries, anywhere from
20 to 400 bbls. In order to utilize transport vehicles more effectively, there should be crews
scheduled differently on peak days. It only takes 5 to 10 minutes to unload a ... Show more content
on Helpwriting.net ...
3 berries should actually be graded No. 2B The installation of a berry grader would positively
impact the cooperative's income, while negatively impacting the farmers' income. With the current
system, 450,000 bbls. of berries are paid a premium of 50 cents per bbl, yet when the berries are
used only about half of them are actually considered No. 3's (berries with the best color). So
basically, the cooperative is paying a premium on 225,000 bbls. more than it should be, and that
worked out to about $112,500 in 1970. It would cost the cooperative $10,000 to install a berry
grader, plus the cost of another full–time skilled operator, but it would still impact their income
greatly. The farmers' would probably prefer that the cooperative continue to grade the color using
pictures as a guide, because they are being paid a 50 cent premium on about half of their No. 3
berries that should actually be considered No. 2B. Calculations: 450,000 bbls. divided by 50%
equals 225,000 bbls. 225,000 bbls. at 50 cent each is equal to $112,500 per year Fixed cost: $10,000
for installation of berry grader 3. What is the impact of installing one new dryer? Two new dryers?
 Each additional dryer will increase the amount of water–harvested berries that can be processed
by 200 bbls. per hour for berries loaded to bulk trucks,

The Financial Industry And Its Impact On The Canadian Economy
Introduction In this case study, Vancity's CEO, Vrooman, is faced with making the tough decision of
deciding if her organization is in a position to reprice its line of credit offerings, in order to stay
afloat and competitive, and at the same time, not loose the trust of its customers, who also happens
to be the owners. Furthermore, the study showcases how Vancity's innovative value to adapt to the
changing needs in their community gives them a competitive advantage amongst other financial
institution. This case is important as it explains tough decisions that top executives and
organizations as a whole, are often faced with making, in order to stay competitive and profitable. It
also discusses the financial impacts of the recession in the late 2000s on the Canadian economy,
particularly the financial industry. This paper will begin with an introduction to this case, discussing
the financial industry, and its impact on the Canadian economy, also to be accompanied with some
background information on the case study. This will be followed with an analysis of the case study
and I will then determine possible decisions that could be taken, and the merits/drawbacks of each
decision. At this point, I will elaborate on what decision I think would be ideal and provide the best
outcome of benefitting both the organization and its customers. Background Information The
financial industry in Canada is considered to be really stable and highly ranked globally. During the
financial

Farmers Electric Cooperative Research Paper
When I was told to write an essay involving Cooperatives, I honestly had no idea what they were or
what they did. I thought that it was maybe a collaboration of people to "coopaerate" to achieve a
certain goal. After looking into the definition and how they work I realized I was basically right. The
definition of Cooperative is a farm, business, or other organization that is owned and run jointly by
its members, who share the profits or benefits.
A Cooperative serves their communities in a lot of different ways. A Lot of Cooperatives get
involved in the community and the education system. A good example is " Farmers' Electric
Cooperative" getting involved in education with the "Partners in Education" program. This program
helps members and

A Short Story : The Unforratt A Story?
The unforgotten The town had been abandoned for many years, it was the town Mary Ann grew up
in. She always loved the town of Rosemary Falls, but she moved away for college. Although she had
many friends, the loss of her parents still left a void in her life. Mary Ann vowed that she would
return to the town and fix it up. When she drove up to town, she sat in awe, it looked nothing like
she remember, it was almost completely destroyed, almost post apocalyptic. When she walked up to
her old house, she stood almost in tears, while memories of her childhood came back, flooding her
mind. She could see the illusion of her mother sitting on the porch swing, while she and her father
played catch. A few weeks pass, MaryAnn finished fixing up her home, she was sitting on the porch
steps, tears started falling down her cheeks, "Mom ,Dad I did it, I finally did it, I brought our house
back, just as you would remember it, I hope you're proud of me, but I'm not finished until this whole
town is back to it used to be, I love you mom and dad!" About a month had passed since Mary Ann
started repairing the town. Jessica, Mary Ann's aunt, had been receiving letters from Mary Ann
talking about all the work she had done. Jessica decided she wanted to help her niece anyway should
could, so she packed a few things and invited her friend, Mike who she worked with and they
traveled to Rosemary Falls. Soon after getting there, they realized the town had no power. Luckily
Mike work

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THE AHMEDABAD DISTRICT CO–OPERATIVE BANK LTD.
NEAR GANDHI BRIDGE, OPP.INCOME TAX OFFICE, ASHRAM ROAD,AHMEDABAD –
380009.
TEL NO.27542608–09–10–11, FAX NO.(079) 27541651
(REG NO. 3896–7 DATED 09–03–1925)
BRIEF HISTORY OF THE BANK
This bank was originally registered as the Dascroi Taluka Co–opearative Federation in 1922.The
above federation was financed by the Apex Bank for on–lending to the affiliated societies. In year
1925,the federation was given name of Dascroi Co–operative Union and objects of this union were
identical to that of the District central Co–opearative Bank, and subsequently in 1937 amendments
were made in the bye–laws of the union and the bank started working as Ahmedabad Central Co–
operative Bank Ltd. This bank ... Show more content on Helpwriting.net ...
To augment the profits of the bank has stated non–farm advance since 1999. There is a gradual
increase in Non–farm advance. The maximum individual loan limit is Rs.20.00 lakh and Rs.12.00
lakh in urban and rural areas respectively. Our investment in Government Securities as on 31–3–
2009 is Rs.11110.54 crore.
Ahmedabad is a Mega Industrial city and Gandhinagar is State Capital, therefore, there are number
of salary–earners and urban credit co–operative societies in our jurisdiction. There are good number
of urban co–operative banks in Ahmedabad and Gandhinagar districts,of which 82 urban co–
operative banks are members of our bank, out of which 23 urban co–operative bank are our sub–
members in clearing house.
Shri Ajaybhai Patel who has been elected unopposed for the last three tems, on assuming the chame
for the first time as a Chairman on 06–01–2003, introduced action plans to improve the profitability
of the bank and impressed upon the importance of recovery in NPAs. Under his leadership for the
first time in the co–operative sector in the State "Lok Adalat" was used to settle chronically overdue
accounts and it received good response from the borrowers.
The staff of the bank was given training and seminars were organised to improve their
knowledge/working capabilities. As a result during the year there was considerable improvement in
mobilization of low cost deposits and increase in

Ownership and Structural Forms of Business Organization
Ownership and structural forms of business organization, applicable laws, requirements for their
formations, and advantages and disadvantages
Type of Ownership * Single or Sole Proprietorship. It is a form of business organization which is
owned by one person. The owner personally manages his business. Most of businesses in the
Philippines (including those which are not registered) belong to single proprietorship. Examples are
retailers, market vendors, barbers, tailors, and so forth.
a) Advantages of Single or Sole Proprietorship
1) It is easy to organize. Financial capital is small, and registration requirements are not difficult to
comply with. In fact, in the remote rural areas small businesses do not even bother to ... Show more
The most common example of partnerships are professional partnerships, like in the case of law
firms and accounting firms. Just like a corporation, it is registered with the Securities and Exchange
Commission (SEC).
A partnership, just like a corporation, is a juridical entity, which means that it has a personality
distinct and separate from that of its members. A partnership may be general or limited. In a general
partnership, the partners have unlimited liability for the debts and obligation of the partnership,
pretty much like a sole proprietorship. In a limited partnership, one or more general partners have
unlimited liability and the limited partners have liability only up to the amount of their capital
contributions. Unlike a corporation, which survives even when a member/stockholder dies or gets
out, a partnership is dissolved upon the death of a partner or whenever a partner bolts out.
d) Applicable Laws
Unlike corporations whose governing law is a special law – the Corporation Code of the Philippines,
partnerships in the Philippines are governed by and covered under Articles 1767 to 1867 of the Civil
Code of the Philippines [circa 1950]. These are the provisions of law which govern all aspects of
partnerships – from their creation, formation, existence, operation and management to their
dissolution and liquidation, including the obligations of the partners to one another, to the public or

Advantages And Objectives Of Cooperatives
What are the goals and objectives of cooperatives?
The primary objective of every cooperative is to help improve the quality of life of its members.
Towards this end, the cooperative shall aim to:
(a) Provide goods and services to its members to enable them to attain increased income, savings,
investments, productivity, and purchasing power, and promote among themselves equitable
distribution of net surplus through maximum utilization of economies of scale, cost–sharing and
risk–sharing;
(b) Provide optimum social and economic benefits to its members;
(c) Teach them efficient ways of doing things in a cooperative manner;
(d) Propagate cooperative practices and new ideas in business and management;
(e) Allow the lower income and less ... Show more content on Helpwriting.net ...
This financing shall be in the form of blanket loans to qualified cooperatives, without need for
individual processing.
How to organize a Cooperative?
Organizing a cooperative can be complex and simple. It requires an understanding of the basic needs
of the prospective cooperative members. It demands patience from the organizer who must make the
cooperative's long–term goals and objectives, and its visions a real part of the members' lives.
But it can be too easy because the Cooperative Code of the Philippines (RA 6938) has devised very
clear–cut steps for the cooperative organizer and members. The following are the basic information
that the prospective members should understand before organizing a

Non Governmental Organizations Today in Bangladesh
The Government view is NGO s are really important for country like Bangladesh, they can have the
role to overcome gaps in delivering and reaching poor people when they require services in natural
and economical problems. The services provide by NGOs create competition among governmental
organizations NGO programs addressing poverty, bringing into sharper focus issues such as cost–
effectiveness, transparency and accountability of the use of public funds. A well known NGO Rural
Employment Support Foundation established in 1990, is a state–run microcredit funding institution.
Established in 1990, it works for microcredit funding and remove poverty from society by providing
microcredit to people who live under poverty level they also help them to start their business by
providing different training another well known international financial agencies is ADB. They
financed different projects that include Urban Health Care Project, essential primary health care
services were contracted through NGO s or private providers via competitive partnership
agreements. This project includes the cities like Dhaka, Rajshahi, Khulna and particularly the slums
located in populous areas inhabited by poorer city dwellers.
This Project by ADB completed in 2005 had a positive impact on the primary health, family welfare,
and nutrition of the urban population, and particularly women and children.
NGOs today in Bangladesh
NGOs of Bangladesh provides lots of welfare services like

Guajilote
Case 8: Guajilote Cooperativo Forestal, Honduras
1. What is your impression of Guajilote as a business venture? The Guajilote Cooperativo Forestal
was founded in 1991 to improve economic development in developing countries. The COHDEFOR
(the Honduran forestry development service) issued Guajilote the right to exploit naturally fallen
mahogany trees within the buffer zone of La Muralla National Park in Honduras. This business
venture has been able to improve the economic welfare and quality of life of its members. "One
member stated that before he joined Guajilote, he was lucky to have made 2,000 lempiras in a year,
whereas he made around 1,000 to 1,500 in month as a member of the cooperative" (Wheelen &
Hunger, 2006. Case 8–3). ... Show more content on Helpwriting.net ...
• Limited Market: Due to a lack of transportation for the mahogany.
• Limited Membership: Originally when the cooperative was founded in 1995 there were 15
members and currently there are 16 members.
Opportunities:
• Rare Commodity: Mahogany is a rare wood and is found in elevations of up to 1,800 metes "and
normally singly or in small clusters of no more than four to eight trees per hectare" (Wheelen &
Hunger, 2006. Case 8–2).
• Increase in Value for Product: Mahogany is difficult to grow and rare and can command a high
price in the world market.
• Proper Transportation: If this cooperative had the means to move the wood they find faster, it
could reach a larger quantity of people to offer its product.
• Partnership with Local Carpenters: By working with local highly skilled furniture makers,
Guajilote can increase profits and export the finished products worldwide.
• Learn a Trade: Members could learn craftsmanship of furniture manufacturing and become more
self–sufficient.
Threats:
• Limited Mahogany: Due to forest fires, illegal logging, and slash–and–burn agriculture the
availability of mahogany has been limited.
• Government Regulations: The Honduras government is not politically stable and the permit
issued to Guajilote has the potential to not be renewed.
• Restrictions on Mahogany: The cooperative is restricted to fallen mahogany trees in the national
park 's buffer zone.
• Distribution of Cooperative Funds: Santos Munguia has been accused of

Creative Speech: Hatsune Miku
Hello, my name is Yuri, yea we will go with Yuri. I am eighteen years old and I am from Japan, I
will not say where because if I give away my location, I may be terminated. You see, I'm not quite
you're average girl nor am I exactly eighteen. I am designed to be eighteen though, and I believe that
must count for something.
You see, I was supposed to be a vocaloid singer, you know like Hatsune Miku. I do not understand
why so many people like her, she looks just like any other human I have seen, but then again she has
influenced many teenage girls with her "style". Oh, you don't know who Hatsune Miku is? Well
then, I'll just explain what she and I are to you then.
Hatsune Miku is a humanoid persona voiced by a singing synthesizer application developed by
Crypton Future Media, headquartered in Sapporo city. She uses Yamaha Corporation's Vocaloid 2 ...
Show more content on Helpwriting.net ...
Though we may not be human, we still have some form of emotions, it's on the normal vocaloid's
OS (Operating System). They say I'm different, emotions weren't installed on my OS, nowhere in
this body will you find the programming necessary to have human emotions, but I have them. I
developed them; apparently, it was truly a shock to everyone at the company. You're probably
wondering why I attacked Miku and here I am just rambling on about things nobody cares about. I
can't exactly explain it but she just gets on my circuits. She's programmed to be a sixteen year old
girl like I said earlier, and she sure has the attitude of one. She annoys me beyond compare,
sometimes I have thought of reformatting her but that would definitely get me terminated on the
spot.
But anyways, I'm on my way to the Electric Cooperative right now for a good night's charge,
Takashi is the man in charge there, and he was the one who found me. My battery was nearly
depleted completely, and I was basically crawling in the alleyway behind the cooperative, but he
found

Peace Kawomera Coffee Cooperative Case Study
Table of contents
1.0 EXECUTIVE SUMMARY
2.0 The cooperative success is based on
2.1 Objectives
2.2 Mission
3.0 The summary of the cooperative
3.1 Cooperative ownership
3.2 History of the cooperative
4.0 Short term plans for the cooperative
5.0 Long term plans for the cooperative
6.0 Production and products
6.1 SWOT analysis
7.0 Market analysis and plan
8.0 Strategy and implementation
9.0 Risk management plan
10.0 Management summary
11.0 Calendar of important activities each season
12.0 Financial plan
12.1 Appendix 1 Financial statement
12.2 Cash flow
13.0 Reference
1.0 EXECUTIVE SUMMARY
Peace kawomera coffee cooperative produces Arabica coffee through its 6200 membership of small
holders which it processes and sells to overseas nations USA to its roasters in Thanksgiving coffee
company and COEXIST FOUNDATION AMERICA. The cooperative is to increase ... Show more
2.2 Mission
To improve the economic livelihood of the 6,200 small holder individual coffee farmers registered
with peace kawomera in Mbale district through direct export of their coffee to international coffee
markets
This will not only safeguard the interests of 6,200 small scale coffee farmers, but also facilitate the
maximization of returns from their coffee sales proceeds creating a sustainable community.
3.0 The summary of the cooperative
The cooperative runs an organic certified scheme with its farmers headed by a democratically

elected farmer board members who oversee the management, it only buys coffee from the small
holder certified farmers in parchment form, processes it and bags it in 60kg bags and exports. It
mainly sells its coffee to two American roasters of high quality coffee.
3.1 Cooperative

HOW TO SOLVE THE FORECLOSURE CRISIS
HOW TO SOLVE THE FORECLOSURE CRISIS
What do we think when we hear the word "foreclosure"? Most people realize that it's definitely
something that is not good, some say that it's when someone fails to do something, but those people
don't really know the meaning of it. But before I present my idea let's review the meaning of such
process:
From the website of InvestorWords.com foreclosure Definition
The legal process by which an owner's right to a property is terminated, usually due to default.
Typically involves a forced sale of the property at public auction, with the proceeds being applied to
the mortgage debt.
The issue of the foreclosure crisis is a controversial one. On the one hand, from the buyer's point of
... Show more content on Helpwriting.net ...
I truly believe that we must bring together all parties involved (buyers, sellers, bankers, consultants,
government officials, and regulators as well), since the problem equally affects all parties; it's in for
the best interest of everyone to listen, analyze and share the best possible solution available. I
propose to create a Housing agency at the federal level named "The People's Housing Cooperative"
which monitors and regulates the creation, operation and compliance of the housing industry,
membership will be voluntary, it's implied that all states and territories will comply, and bind to the
agreement.
To begin with, "The People's Housing Cooperative" will be based on the following components for a
typical house model:
1. Land: which is referring to the physical location in which the structure was and/or has been built.
2. Construction Materials: which is referring to all materials utilized to erect a house including
exterior and interior fixtures.
3. Labor: which is referring to the physical activity employed by many persons to erect the house?
The cooperative approach works in the following way, anyone interested in acquiring a house
(which ranges from a single family story unit and/or up to a multiple story building) must be willing
to work during the construction phase of the unit without any compensation due to the person (later
on, that time spent will

The Pros And Cons Of Group Health And Kaiser Permanente
Founded in 1946, Seattle's Group Health Cooperative was created by doctors and community
members who believed that there needed to be a health care program that was affordable, member
centered, and held principles of social justice. This cooperative was one that had been successful for
many years, but just recently was acquired by the not for profit Kaiser Permanente health–care
company on February 1, 2017 for 1.8 billion dollars. Although Group Health is a cooperative and
Kaiser Permanente is a nonprofit healthcare company, they have similar views on how they run their
companies because both have missions to put their members and employees first. This is something
that the articles stressed because this merge is going to affect thousands of members and employees.
I plan on focusing on the process Kaiser Permanente had when wanting to take over Group Health
Cooperative, the pros and cons of the final decision to merge the two healthcare programs, and
ultimately how Group Health's marketing and management strategies will be implemented in the
merge. (12)
Back in December of 2015, Kaiser Permanente planned to acquire Group Health Cooperative for 1.8
billion dollars with a proposition to invest $1 billion in new equipment, staff, facilities and research
in hope to improve health in Washington state. In the Advisory Board's article Eyeing growth,
Kaiser announces first major acquisition in over a decade it says, "these deals are focused on
delivering a better product to

Mountain Equipment Co-Op
The following report documents 5 different areas of focus pertaining to the following company
"Mountain Equipment Co–op", Please enjoy...
Marketing Management Orientation:
The Societal Marketing concept is the orientation best exemplified by Mountain Equipment Co–Op
(MEC). This is evident in the following ways: The company's mission statement clearly outlines that
passion is what drives their company, even over profit. The passion to continue to look for ways to
protect our wild spaces and reduce the ecological footprint of their business. MEC separates itself
from other outdoor retailers through its eco–friendly product line and superior focus on corporate
social responsibility. They urge society to count on them to act with integrity ... Show more content
on Helpwriting.net ...
The monetary fee is just clever business practice, the real idea behind this is to let the "potential
market" know that MEC truly values your business and would like you to become apart of our
business structure going forward. Lastly, Mountain Equipment Co–op has undertaken many
business initiatives to solidify customer loyalty from top to bottom of the organization. Back in
1997, they introduced a free of charge online gear swap where members could recycle used outdoor
gear. In 2007, MEC opened the first accredited "Green" LEED(The Leadership in Energy and
Environmental Design) distribution center in Surrey, British Columba. LEED encourages and
accelerates global adoption of sustainable green building and development practices. In 2008, MEC
developed and launched a series of annual national paddling and biking expositions. Its been clearly
defined that MEC takes a very "Green" approach when it comes to business, this is something that
directly plays into that target market. A self–propelled wilderness–oriented recreation goer would
certainly buy into such strong values and ultimately stick by that company.
Segmentation Variables:
One of Mountain Equipment Co–op's key main marketing strategies is one of product leadership
through supporting price, promotion and distribution strategies. This allows them to gain loyalty
from their customer's year after year. MEC is a retail co–operative owned by those who shop at their
stores.

Effect of Business Acquisition to Get Competitive...
Effect of business acquisition to get competitive advantage based on the case study: Acquisition of
Somerfield by Co–operative group
Background:
Business acquisition is one of the most vital tools to expand an existing business effectively. An
acquisition takes place when an existing company buys another company which has more or less
similar operating activities and ended up controlling it. It is clearly different from merger which is
the integration of a business with another and sharing the control of the combined businesses
collectively. Mergers and acquisitions (M&As) have long been considered as an one of the
most highly appreciated method to achieve the desired growth rate and satisfying the key
stakeholders. With rapid ... Show more content on Helpwriting.net ...
Managing the process of acquisition correctly is the major challenge to make an acquisition work. A
number of different factors that ranges from setting well defined goals to look for circumstances
under which it will make sense to walk away must be carefully considered to make a successful
acquisition. In order to carry out an acquisition activity one must first understand whether the
business is ready for it. A SWOT (strengths, weaknesses, opportunities and threats) analysis can be
carried out to assess the condition of the business as it might give a clear direction about how to take
maximum advantage of the strengths, resolve weaknesses, exploit opportunities and avoid threats.
Another way to understand whether the business is ready for an acquisition is to carrying out a
strategic gap analysis. This involves identifying where the business stands now where one wants to
see it after a defined period of time. By identifying the gap between the two one can decide whether
acquisition is well enough to bridge the gap. However the extent of planning and research that can
be done before making an acquisition decision does not always prove to be enough as situations
outside of control may arise and one have to be prepared for these risks. Degree of uncertainty and
the time and effort that are spent for the deal can in effect damage the performance

Essay on Guajilote Case Study
Guajilote Case Study
This essay examines the case study of the Guajilote co–operative, a co–operative with a licence to
collect and sell fallen timber in the Honduras. The paper is in five sections; giving an impression of
the co–operative as a business venture, conducting a SWOT analysis of the company, looking at any
competitive advantage or strategy. Describing the value chain and considering strategic alternatives
open to the co–operative.
Solution
1. The business is certainly located in rural areas and considerations of how this may affect tribal
people should be considered. The use of natural resources can be profitable but environmental
considertaions such as the impact of deforestation on the global climate needs are ... Show more
4. The value chain is: Site (forests) ––> Transport (carts and river) ––> Collection
(distributors) ––> Sale (manufacturers) ––> Exporting (USA and Europe). 5. This company's
strategic alternatives include: co–operating with Cites. Develop a sound strategy that for every tree
felled, 10 new trees will be planted. Convince the government of Honduras that their natural
resource needs to be protected and developed. This includes providing jobs for workers in
greenhouses cultivating the seedlings. A proportion of the sale of the wood could be allocated to the
development of new schools and clinics in rural Honduras. The local population, via the co–
operation of village headmen, need to be educated on the importance of conserving their
environment. Children need to be taught this at schools via the provision of posters and books.
GUAJILOTE COOPERATIVO FORESTAL, HONDURAS
Nathan Nebbe and J. David Hunger
Guajilote (pronounced wa–hee–low–tay) Cooperativo Forestal was a forestry cooperative that
operated out of Chaparral, a small village located in the buffer zone of La Muralla National Park in
Honduras' Olancho province. Olancho was one of 18 Honduran provinces and was located inland
bordering Nicaragua. The cooperative was one result of a relatively new movement among
international donor agencies promoting sustainable economic development of developing countries'
natural resources. A cooperative in Honduras was similar to a cooperative in the United

Emilio Jacinto's Trading Cooperative
A1457
Cooperatives:
Principles and practices in the 21st century
Kimberly A. Zeuli and Robert Cropp
ABOUT THE COVER IMAGE: The "twin pines" is a familiar symbol for cooperatives in the
United States. The Cooperative League of the USA, which eventually became the National
Cooperative Business Association (NCBA), adopted it as their logo in 1922. The pine tree is an
ancient symbol of endurance and immortality. The two pines represent mutual cooperation–people
helping people.
COOPERATIVES:
ii
Chapter 1
An introduction to cooperatives
1
Chapter 2
Historical development of cooperatives throughout the world
5
Chapter 3
Cooperative history, trends, and laws in the United States
59
Chapter 8
Procedures for organizing a cooperative ... Show more content on Helpwriting.net ...
Coercion is the antithesis of cooperation. Persons a formal business model, compelled to act

contrary to their wishes are not which has relatively recent origins. The earliest coopera– truly
cooperating. True cooperation with others arises from a belief in mutual help; it can't be tive
associations were created in Europe and North dictated. In authentic cooperatives, persons join
The first signs of
America during the 17th and voluntarily and have the freedom to quit the cooporganized hunting
18th centuries. These associ– erative at any time.3 The forced collectives prevaactivity based around
lent in the former Soviet Union, for example, were ations were precursors to communities are
associated with not true cooperatives. cooperatives. The pioneers
Homo erectus, of the Rochdale Society in
Another widely accepted cooperative definition is modern human
19th–century England are ancestors who lived the one adopted by the United States Department
between 500,000 and celebrated for launching the of Agriculture (USDA) in 1987: A cooperative is
a
1.5

Cooperatives
Cooperative A cooperative (also co–operative; often referred to as a co–op) is a business
organization owned and operated by a group of individuals for their mutual benefit. Cooperatives
are defined by the International Co–operative Alliance's Statement on the Co–operative Identity as
autonomous associations of persons united voluntarily to meet their common economic, social, and
cultural needs and aspirations through jointly owned and democratically controlled enterprises. A
cooperative may also be defined as a business owned and controlled equally by the people who use
its services or by the people who work there. Cooperative enterprises are the focus of study in the
field of cooperative economics. A cooperative is a legal entity ... Show more content on
Helpwriting.net ...
Marketing cooperatives can serve their members in many ways, including bargaining for better
prices, storing and selling members' grain, and processing farm products into more consumer–ready
goods. In the United States, agricultural cooperatives handle about 30 percent of farmers' total farm
marketing volume (Mather et al.). Supply cooperatives Supply cooperatives (sometimes referred to
as purchasing cooperatives) sell farm supplies to their members. Products include production
supplies such as seed, fertilizer, petroleum, chemicals, and farm equipment. American farmers
purchase about 28 percent of their supply needs through cooperatives (Mather et al.). Service
cooperatives Service cooperatives provide various services to their members. For instance,
cooperatives may offer services such as pesticide applications, seed cleaning, and artificial
insemination. Service cooperatives also include organizations such as the Farm Credit System, a
network of borrower–owned lending institutions that provide credit and other financial services to
farmers, and rural electric cooperatives, which provide electricity to rural areas. The first formal
farmer cooperative to form in the United States occurred in 1810. However, agricultural
cooperatives were not really perceived as a viable business organizational structure until after the
Civil War (Cobia). Several farm organizations helped to promote

Honest Vino Case Summary
The report of Honest Vino's harvesters' replacement frequency Summary This report will examine
why the company, Honest Vino, should replace the selected harvesters every 15 years rather than
every 10 years by Discounted Cash Flow (DCF) method. Based on the Vineyard's and harvester's
details, the Annual Equivalences (AE) of both replacement frequencies were calculated and
compared under the constant chain of replacement assumption. However, the specific assumptions
must be held in this analysis. Methodology There are two options for the harvesters: replaced every
15 years or every 10 years. They are mutually exclusive investments having unequal lives with
replacement. In order to maximise the firm value, the method of AE was used since the two projects
have the same discount rate, and AE method converts the NPVs of the projects into annualised
values which can be compared under this situation. The optimal option is the one with higher AE
when evaluating ... Show more content on Helpwriting.net ...
Specifically, the calculative formula is: AE=NPV/{[1–1/(1+r)^n ]/r}. Additionally, the calculation of
NPV is based on the discounted cash flows. Compared with other DCF methods, AE considers the
time, the amount of value and the risk of the cash flows. Other DCF methods are not appropriate for
this situation. For example, the Benefit–Cost Ratio (BCR) method does not take the size of
investment into account and does not consider for replacement in investment. Another method is
Internal Rate of Return (IRR) method, which may have multiple IRRs or no IRR, and does not
consider magnitude of value. Therefore, AE is the most intuitionistic evaluation method to value and
compare mutually exclusive investments. It indicates the investment's NPV in an annualised
presentation, which takes into account timing, magnitude and discount rate.

Evaluating Bob 's Process For Establishing The Nss...
1. Evaluate Bob's process for establishing the NSS advisory board. What could be improved? Bob's
rationale behind establishing an advisory board, and his approach for selecting its members, has thus
far been successful and valuable for him and the company. He correctly recognized the importance
of "the big picture," as he chose people whose backgrounds covered a wide range of industries and
skills and who could therefore fill in any gaps. Furthermore, Bob's choices were all successful
business professionals, so he could therefore be relatively sure that they would be effective in
handling any future challenges and recognizing future opportunities. Bob was also cognizant that the
business and the family needed unbiased consultants in order to offer advice regarding family
employment, and establishing the advisory board presented an outlet in which family members
could privately discuss any issues on their mind. Lastly, he established an objective for the board, in
that the board would only focus on the "big picture," which meant that they didn't get caught in the
daily details or argue over the day–to–day routine. However, he was fortunate in several ways in
how well the board worked out. For example, he didn't clear the names with his brother Rex until
after he had already offered them a board position and they'd accepted; this could have caused
conflict with Rex if he had felt slighted or left out of the decision–making process or if he had had
any complaints about any

Essay on Farmland Industries Inc.
Introduction
Today, when we hear the slogans "better farming, better food," or "proud to be
farmer owned" one company comes to mind, Farmland Industries. We may think of this of this
fortune 500 company as a leading agricultural powerhouse, which it is, however, it was not always
that way.
Background
Farmland Industries Inc. was founded by Howard A. Cowden, who was born and raised in
Southwestern Missouri. Cowden started young in the cooperative business by working for the
Missouri Farmers Association (MFA). However; in
October of 1927, he had resigned from the position of secretary for the MFA and started out on his
own. Immediately following, Cowden ... Show more content on Helpwriting.net ...
From here, Farmland Industries only increased its size, sales, and dividends, not to mention
popularity. Some of the major lines include:
Food Marketing, Feed, Crop Production, Grain, Beef, and Pork. Of course, there are many, many
other lines that the company has produced throughout the years. Some of these things include: Ful–
O–Pep (Union Oil Company's
"Antiknock" gas designed to compete with ethyl), CO–OP tires, Batteries,
Groceries, Canning and Dehydration, Tractors, Paint, Twine, Steel buildings, and many other
successful ventures, along with many other flops.
"We've been working to improve margins–by lowering costs, by implementing shared margin
programs, by offering prebooking, and contracting programs in fuel, crop production, products,
& feed–and by increasing our emphasis on providing timely information and other
services" (Annual 94 2).
Organizational Culture
Today, Farmland is the largest farmer–owned agricultural input cooperative in the United States. Its
mission is: To be a producer–driven, customer–focused and profitable "ag supply to consumer
foods" cooperative system (The Farmland Cooperative System 6). The people of Farmland
Industries believe in American agriculture. They believe that everyone involved in progressive
agriculture in America today is entitled to a return on their

Case Study 2 (Chapter 6)
1. What is a data warehouse and why is REI building one?
A data warehouse is unique kind of a database where current and historical data about a certain
group of people such as customers, is stored. Information from operational systems, such as
transaction processing systems, is extracted and summarised then stored in in a data warehouse. This
type of information includes records about customer interaction patens, customer purchasing history
or trends and current customer records. The information in a data warehouse is used for
management analysis and decision making.
REI needs data warehouse for the following benefits
It will help REI's management in decision making. Drawing trends about past and current customer
buying patens ... Show more content on Helpwriting.net ...
Operational business applications, such as customer relationship management (CRM) systems.
Compressed data on disk to decrease disk space and storage infrastructure requirements becomes a
cost effective strategy in terms of storage overheads. Easily measured and monitored financial and
operational business performance, will mean predictable outcomes and planning becomes efficient.
Reduced risks and costs will make it easier for REI business expansion without fear of risks
involved to a certain degree. All above strategic Practices cannot be dealt with without a data
warehouse.
4. What are some of the ricks or concerns surrounding the creation of a data warehouse?
Risks of warehousing involve: Lack of strong sponsor or sponsor not at high enough level to get
people motivated.
Lack of proper skills and experience. Most people have to go through at least one failure before they
understand how different a data warehouse is from a transaction processing system or small data
mart. You can have wonderful logical models, but turning those into an efficient, integrated,
enterprise–wide physical design is a most difficult task.
Not understanding what the organization needs from a data warehouse and how the data warehouse
helps achieve the strategic objectives of the organization.
Lack of a data quality project as an integral part of

Community Case Study
Respondents Carmen Marine Cooperative and Cagan Management Group, Inc. (Respondents) deny
that they retaliated against Complainant based on a previous Complaint filed at the Commission or
failed to accommodate based on her son's disability. Respondents state that Complainant and her
husband applied for membership in the Cooperative in April of 1999, for a two–bedroom apartment
for themselves and their son. They were approved and on May 13, 1999, Complainant and her
husband purchased their membership. Soon after, Complainant, her husband, and minor son
Anthony moved into unit 1409.
As to the noise, Respondents assert throughout Complainant's membership, they have received
numerous noise complaints from other residents about the noise ... Show more content on
Helpwriting.net ...
Department of Housing and Urban Development regulations and maintains its waitlists according to
the policy delineated in the Cooperative's membership selection plan. Respondents state that they
determine priority based on the following the HUD regulations and [Cooperative] documents.
Respondents state that the Cooperative should always accommodate qualifying family size at the
time application [is] filed, and must meet family needs according to agreement regulations. Family
size should always have priority over a single applicant. In case of the same family size applicants,
seniority will have priority.
Respondents state that Complainant filed an application for a three–bedroom unit in 2006 and was
placed on the waitlist. Respondents explain that the Building has a limited number of three–
bedroom units so it is not unusual that applicants would remain on the waitlist for an extended
period. Respondents continually audit the waitlist to ensure that all applicants are properly qualified
for and still desire a three–bedroom unit. Respondents state that on November 14, 2014, in response
to an audit, Complainant confirmed that she still desired a three–bedroom unit and had a family size
of four people. Respondents state that there was no indication that the request for a larger unit was
as a reasonable accommodation for Complainant's son and husband's disability

Business Ethics And Governance Of A Capitalist Corporation
Business, Ethics and Governance
MGT2204 – Assignment 3
Word limit: 2000 words
Prepared for Gerard Betros
Prepared by Rebekah Pink
Student ID: 0061029305
Introduction
Ethics in business addresses the 'right' and 'wrong' behaviours of business practises, and how these
practices impact the employees, shareholders, the general public and the environment.
This essay will take a look at two different types of business structures; the capitalist corporation
and the workers cooperative, and review how the differing approach to business and the
fundamental ideologies of each, impacts ethical practises.
To highlight this, I will look at more specifically at capitalist organisation ANZ and cooperative
Mondragon Cooperative Corporation and how they deal with the potential ethical dilemmas of fair
wages for employees and executive remuneration.
Fundamental Ideologies of a Capitalist Corporation
The fundamental ideologies of a capitalist corporation can vary from company to company, but
typically all have the same underlying purpose – to make a profit. Often, a business' ideologies are
expressed in the form of an organisational vision or mission statement – a simple statement
demonstrating to the public, and reminding the employees, the goal of the organisation. These vision
or mission statements usually look at the 'bigger picture' of what an organisation wants to achieve.
Examples being:
"To be a trusted partner setting the standard of excellence for recruitment in

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