This document discusses two companies - Mahindra Finance and SNL Financial. It provides details about their histories, structures, products/services, and how they are influenced by different external factors. Both companies have expanded significantly since their founding, with Mahindra Finance establishing over 400 offices across India and SNL Financial expanding globally with over 1,200 employees in 10 offices worldwide. While they face some similar external influences like industry and technology, their structures and cultures differ - with Mahindra Finance taking a more divisional approach and adaptive culture, and SNL Financial having a multifocused structure and clan culture.
Macedonia India Trade & Investment Promotion GroupIndia Advisors
The Macedonia-India Trade & Investment Promotion Group (MITIPG) will be an international organization focused exclusively on promoting trade and investment between India and Macedonia. MITIPG will provide basic services and support to its estimated 40,000 members without charge, aside from a token initial entrance fee. It will initially be funded by sponsors and patrons but aims to become self-sustaining through success fees. MITIPG will promote mutually beneficial trade, commerce, investment, industrial collaboration and other areas of cooperation between the two countries. It will include a wide range of stakeholders from federal and state governments to businesses and interest groups.
Micronesia Federated States India Trade & Investment Promotion GroupIndia Advisors
The document describes the proposed Micronesia-Federated States of India Trade and Investment Promotion Group (MITIPG). MITIPG will promote trade, commerce, investment, and economic cooperation between India and Micronesia-Federated States. Unlike other trade organizations, MITIPG will provide basic services to its estimated 40,000 members without fees. Initially, MITIPG will be funded by sponsors, but will become self-sustaining over time by earning success fees. MITIPG will include stakeholders from governments, businesses, entrepreneurs, experts, and interest groups from both countries. It will facilitate international trade and provide advisory support for investments between India and Micronesia-Federated States.
Mozambique India Trade & Investment Promotion GroupIndia Advisors
The document discusses the Mozambique-India Trade & Investment Promotion Group (MITIPG). It states that MITIPG will exclusively focus on promoting mutually beneficial trade, commerce, investment, and collaboration between India and Mozambique at the grassroots level. MITIPG will provide basic services to its estimated 40,000 members without charge, aside from initial entrance fees, and will eventually become self-sustaining through success fees. MITIPG aims to include a wide range of stakeholders from both countries, including governments, businesses, experts, and interest groups.
IMAP Financial Services sector Leaders: Jonathan Dalton and Khelan Dattani share insights into the global Financial Services sector. They look at how and why the COVID pandemic affected certain geographies and subsectors more than others and the subsequent impact on deal volumes and valuations. They identify the key areas of growth and common trends driving activity across the globe and examine why the sector is becoming increasingly attractive to PE investors, pinpointing opportunities for buyers and sellers.
We learn previously that Swati Enterprises was looking for Capital for expansion in other states and suggestion for sourcing the funds was Financial Market.
But as we have learnt that Financial Market consists of different segments with unique characteristics, like Money Market, Capital Market, Currency market, Commodity market etc., CEO of Swati enterprises went to the expert for suggestion on, from where to source the funds.
After listening to the requirement of funds of Swati enterprises, expert suggested to go for Capital market, but CEO of enterprise was keen to know about Capital Market in detail, so that he can approach the right place as per requirement.
Insurance as a investment tool @ icici bank project report mba financeBabasab Patil
This document provides an overview of insurance as an investment tool with regards to ULIPs at ICICI Prudential Life Insurance Company Ltd in Hubli. It discusses the objectives of studying ULIPs, introduces ICICI Prudential and the importance of insurance in the Indian financial system. It also provides background on the history and regulations of insurance in India, including the role and functions of the Insurance Regulatory and Development Authority.
The document discusses the history and overview of development banking in India. It notes that the concept of development banking arose after World War 2 to provide reconstruction funds. In India, development banking aims to meet sectoral credit needs, particularly for agriculture and industry. Several specialized development financial institutions were established in India with majority ownership by the Reserve Bank to provide long-term financing. The first development bank was incorporated in 1948 to pioneer institutional credit. Overall, development banking in India focuses on mobilizing savings and channeling investment to priority sectors outlined in Five-Year Plans.
Designing training program for max new york lifeTanuj Poddar
Max New York Life provides extensive training programs for its agents over 2 years to ensure they have the skills and knowledge to properly advise customers. The document outlines Max New York Life's new employee orientation program which includes HR training, product training, and system training over 2 weeks or 152 hours. It also discusses the eligibility criteria used to select agents and the types of ongoing training programs provided to agents, including agency training, HR training, system training, and operations training. The goal of Max New York Life's thorough training approach is to develop high quality agents and financial advisors.
Macedonia India Trade & Investment Promotion GroupIndia Advisors
The Macedonia-India Trade & Investment Promotion Group (MITIPG) will be an international organization focused exclusively on promoting trade and investment between India and Macedonia. MITIPG will provide basic services and support to its estimated 40,000 members without charge, aside from a token initial entrance fee. It will initially be funded by sponsors and patrons but aims to become self-sustaining through success fees. MITIPG will promote mutually beneficial trade, commerce, investment, industrial collaboration and other areas of cooperation between the two countries. It will include a wide range of stakeholders from federal and state governments to businesses and interest groups.
Micronesia Federated States India Trade & Investment Promotion GroupIndia Advisors
The document describes the proposed Micronesia-Federated States of India Trade and Investment Promotion Group (MITIPG). MITIPG will promote trade, commerce, investment, and economic cooperation between India and Micronesia-Federated States. Unlike other trade organizations, MITIPG will provide basic services to its estimated 40,000 members without fees. Initially, MITIPG will be funded by sponsors, but will become self-sustaining over time by earning success fees. MITIPG will include stakeholders from governments, businesses, entrepreneurs, experts, and interest groups from both countries. It will facilitate international trade and provide advisory support for investments between India and Micronesia-Federated States.
Mozambique India Trade & Investment Promotion GroupIndia Advisors
The document discusses the Mozambique-India Trade & Investment Promotion Group (MITIPG). It states that MITIPG will exclusively focus on promoting mutually beneficial trade, commerce, investment, and collaboration between India and Mozambique at the grassroots level. MITIPG will provide basic services to its estimated 40,000 members without charge, aside from initial entrance fees, and will eventually become self-sustaining through success fees. MITIPG aims to include a wide range of stakeholders from both countries, including governments, businesses, experts, and interest groups.
IMAP Financial Services sector Leaders: Jonathan Dalton and Khelan Dattani share insights into the global Financial Services sector. They look at how and why the COVID pandemic affected certain geographies and subsectors more than others and the subsequent impact on deal volumes and valuations. They identify the key areas of growth and common trends driving activity across the globe and examine why the sector is becoming increasingly attractive to PE investors, pinpointing opportunities for buyers and sellers.
We learn previously that Swati Enterprises was looking for Capital for expansion in other states and suggestion for sourcing the funds was Financial Market.
But as we have learnt that Financial Market consists of different segments with unique characteristics, like Money Market, Capital Market, Currency market, Commodity market etc., CEO of Swati enterprises went to the expert for suggestion on, from where to source the funds.
After listening to the requirement of funds of Swati enterprises, expert suggested to go for Capital market, but CEO of enterprise was keen to know about Capital Market in detail, so that he can approach the right place as per requirement.
Insurance as a investment tool @ icici bank project report mba financeBabasab Patil
This document provides an overview of insurance as an investment tool with regards to ULIPs at ICICI Prudential Life Insurance Company Ltd in Hubli. It discusses the objectives of studying ULIPs, introduces ICICI Prudential and the importance of insurance in the Indian financial system. It also provides background on the history and regulations of insurance in India, including the role and functions of the Insurance Regulatory and Development Authority.
The document discusses the history and overview of development banking in India. It notes that the concept of development banking arose after World War 2 to provide reconstruction funds. In India, development banking aims to meet sectoral credit needs, particularly for agriculture and industry. Several specialized development financial institutions were established in India with majority ownership by the Reserve Bank to provide long-term financing. The first development bank was incorporated in 1948 to pioneer institutional credit. Overall, development banking in India focuses on mobilizing savings and channeling investment to priority sectors outlined in Five-Year Plans.
Designing training program for max new york lifeTanuj Poddar
Max New York Life provides extensive training programs for its agents over 2 years to ensure they have the skills and knowledge to properly advise customers. The document outlines Max New York Life's new employee orientation program which includes HR training, product training, and system training over 2 weeks or 152 hours. It also discusses the eligibility criteria used to select agents and the types of ongoing training programs provided to agents, including agency training, HR training, system training, and operations training. The goal of Max New York Life's thorough training approach is to develop high quality agents and financial advisors.
Privatisation of life insurance sector in indiaiicecollege
This project is related to life insurance business in India. This study is mainly related to privatization of life insurance sector. LIC was monopoly in insurance sector till 2000.
The decision by IRDA to grant licences to private pledgers in life and non-life sector is expected to increase the insurance business in India. This is bound to board to force existing player to become more competitive thus the buyer can now expect better deals form its insurance agents.
Awareness of schemes and services of mf isshail0065
Micro-finance refers to small loans, savings, insurance, and other financial services provided to low-income individuals. It originated in the 1970s and has grown significantly since. Today, over 16 million people are served by over 7,000 microfinance institutions worldwide. In India, the Self Help Group model launched in 1991 has expanded access to financial services for millions of rural poor, especially women. Microfinance aims to help the poor generate income, build businesses, and gain financial stability and empowerment.
This document provides an overview of Life Insurance Corporation of India (LIC), including its formation, vision, mission, objectives, functions, and products/services. LIC was formed in 1956 through the nationalization of India's private insurance industry. It aims to widely provide affordable life insurance coverage. Its functions include carrying out life insurance business, investing funds, and engaging in other related businesses. LIC offers various insurance plans, pension plans, and group schemes to customers.
This document appears to be a student project report analyzing the ratio analysis of LIC and ICICI Prudential Life Insurance companies. It includes sections on introduction to life insurance, unit linked insurance plans of ICICI Prudential, objectives of the study, contents table, and chapters on the companies, ratio analysis, calculations of ratios, and conclusion. The objective of the study is to analyze the growth, penetration, and returns of ICICI Prudential compared to its competitors over a 10 year period from 2000-2001 to 2009-2010.
This document provides an overview and executive summary of a project report on IDBI Federal Life Insurance Company. It includes sections on the organization overview, various departments like marketing, service, and HR. It discusses the company's history, mission, vision, competitors and products. Research methodology, objectives, and data collection sources are also mentioned. The document contains details of the project outline, chapters to be covered, and acknowledgements.
This document is a project report submitted by Soumeet D. Sarkar for his M.Com program. It provides an overview of The Oriental Insurance Company Limited, including its history, popular policies, SWOT analysis, and product profile. The report contains chapters on data analysis and collection, including comparative balance sheets and profit/loss accounts, as well as ratios and comments. It aims to provide insight into The Oriental Insurance Company and the insurance industry in India.
LIC is a state-owned insurance company in India established in 1956 through the nationalization of private insurers. It has over 1.2 million agents and is the largest insurer in India with total assets of over $260 billion USD. LIC was founded to provide affordable life insurance coverage widely, especially in rural areas. It has a large presence across India with various offices and agents.
The document appears to be a research report submitted by Emmanuel Savio to his professor Renu Tiwari at St. Andrews College exploring life insurance products offered by the Life Insurance Corporation of India (LIC). It provides background on LIC and describes several of its popular life insurance plans, outlining their key features, benefits, eligibility requirements, and other details. The report was submitted to fulfill research objectives for Emmanuel's Bachelor of Commerce degree in the academic year 2011-2012.
Life Insurance Corporation of India: A Studyscmsnoida5
Life insurance Corporation of India was a sole
player in Life Insurance business in India; it
was only after privatization Life insurance
Corporation of India faced competition in life
insurance Business. Life insurance Corporation
of India also faced impact over there performance
in Life Insurance Industry. The paper aims to find
out the impact of privatization on Life Insurance
Corporation of India. The prime focus of paper
is to analyse the positive and negative aspects of
privatization on Life Insurance Corporation of
India. The paper concludes with certain sets of
recommendation that can be considered by Life
Insurance Corporation of India to deal with
privatization and its impact on life insurance
business.
This document provides an index and overview of chapters in a project report on rural distribution and recruitment of consultants for Bajaj Allianz Life Insurance Company. It includes acknowledgments, an introduction on insurance concepts, background on Bajaj Allianz and its shareholders Bajaj Auto and Allianz AG. It also outlines the objectives and methodology of a study on the market credibility of Bajaj Allianz compared to other private life insurers and describes a new unit-linked insurance plan called New Unit Gain Plus.
At the most basic level, economics attempts to explain how and why we make the purchasing choices we do. Four key economic concepts—scarcity, supply and demand, costs and benefits, and incentives—can help explain many decisions that humans make
This document discusses the insurance industry and Kotak Mahindra Old Mutual Life Insurance. It provides an overview of types of insurance, the importance of life insurance, and recruitment process in insurance companies. It also discusses Kotak Mahindra Group, the joint venture between Kotak Mahindra Bank and Old Mutual to form Kotak Mahindra Old Mutual Life Insurance. The document analyzes the financial performance and management of Kotak Mahindra Old Mutual Life Insurance and identifies strengths, weaknesses, opportunities and threats for the company.
This document provides an overview of development banks in India, including their concept, definition, functions, and roles. It discusses three major types of development banks - industrial, agricultural, and export-import. It then summarizes several prominent development banks in India, including IFCI (Industrial Finance Corporation of India), IDBI (Industrial Development Bank of India), and ICICI (Industrial Credit and Investment Corporation of India). It outlines their objectives, functions, products/services, and contributions to the Indian economy.
This document provides an overview of IDBI Federal Life Insurance, including:
1) IDBI Federal Life Insurance is a joint venture between IDBI Bank, Federal Bank, and Ageas insurance. It offers various insurance products to customers in India.
2) Information is provided on the partner organizations IDBI Bank, Federal Bank, and Ageas insurance.
3) An organizational structure of IDBI Federal Life Insurance is shown, including the CEO and heads of different divisions.
This document appears to be a student project report comparing the performance of Alliance Insurance Company to its competitors in India. It includes an introduction covering the history and development of the general insurance industry in India. It then provides profiles of Alliance Insurance Company and its products. The remainder of the report outlines the objectives, scope, methodology and findings of the comparative performance analysis conducted between Alliance and other insurance companies.
Insurance as an investment tool with regards to ULIP at Birla Sunlife InsuranceBhavesh Kundnani
The document is a report on a summer internship project about unit linked insurance plans (ULIPs) conducted by Bhavesh N. Kundnani for his MBA program. It includes an introduction, industry and company profiles, literature review, research methodology, data analysis, findings, conclusions, and recommendations. The key points are:
- The project examines ULIPs as an investment tool and analyzes customer awareness and preferences regarding ULIPs.
- It provides background on the insurance industry globally and in India, as well as an overview of Birla Sun Life Insurance Company where the internship took place.
- The research methodology section outlines the problem statement, objectives, sampling approach, and data analysis plan
The document discusses Muthoot Group, a 126-year-old family owned Indian business conglomerate. It operates predominantly in non-banking financial services and offers financial services, wealth management, money transfer, forex, and others. As of 2010, Muthoot Finance was the largest gold financing company in India with over 129 billion loan outstanding portfolio backed by 97.6 tonnes of gold jewelry. The group aims to touch lives through customer-centric approach and innovation as per their vision. It has received several awards and recognition for its social responsibility and loyalty programs.
A Project Report on - FINANCIAL PERFORMANCE OF LIC AND PRIVATE SECTOR LIFE...Karteek Chedadeepu
FINANCIAL PERFORMANCE OF LIC AND PRIVATE SECTOR LIFE INSURANCE COMPANIES IN INDIA
- A COMPARATIVE ANALYSIS USING CARAMEL MODEL..
This is my project report. I did my project on the financial performance of private and public sector of Life insurance companies India by using CARAMEL model.
This document discusses two companies - Mahindra Finance and SNL Financial. It provides details about their histories, structures, products/services, and how they are influenced by different external factors. Both companies have expanded significantly since their founding, with Mahindra Finance establishing over 400 offices across India and SNL Financial expanding globally with over 1,200 employees in 10 offices worldwide. While they face some similar external influences like industry and technology, their structures and cultures differ - with Mahindra Finance taking a more divisional approach and adaptive culture, while SNL Financial has a multifocused structure and clan culture.
The document summarizes key findings from the National Family Health Survey conducted in Gujarat, India in 2005-2006. Some key results include:
- Infant mortality has declined to 50 deaths per 1,000 live births from 63 in the previous survey.
- Less than half (45%) of children ages 12-23 months are fully vaccinated against major illnesses.
- Knowledge of HIV/AIDS is lower among women (53% have heard of it) than men (82% have heard of it).
- Secondary education rates are lower for girls (66%) than boys (75%) ages 6-17.
G.G. Nicosia (2010). Cinesi, scuola e matematica. Morrisville: Lulu.com.
Introduzione di Filippo Spagnolo, direttore del GRIM di Palermo. 122 pagine
Quali sono le aspettative e le opinioni degli studenti di cultura cinese sulla scuola e sulla matematica? Quali le concezioni di scuola e di studio che ereditano delle famiglie? Questo volume tenta di offrire alcune risposte a questi interrogativi per facilitare l'azione didattica degli insegnanti alle prese con classi sempre più multiculturali. Contiene anche una rassegna storica della letteratura matematica cinese ed approfondimenti su alcuni temi classici come i quadrati magici, algoritmi di calcolo mentale, con pallottoliere o con bacchette, e forme particolari di rappresentazione.
La versione scaricabile è gratuita ed il testo è rilasciato sotto licenza Creative Commons Attribution 2.5.
http://www.lulu.com/product/libro-a-copertina-morbida/cinesi-scuola-e-matematica/6282909
http://www.lulu.com/product/scarica/cinesi-scuola-e-matematica/6282910
Indirizzi dell’autore: gnicosia@inwind.it gg.nicosia@gmail.com
Giovanni Giuseppe Nicosia è membro del RSDDM (Gruppo di Ricerca, Sperimentazione e Divulgazione della Didattica della Matematica) di Bologna e dell'ISGEm (International Study Group of Ethnomathematics). Ha tradotto in Italiano alcuni testi dei principali autori dell'Etnomatematica, tra cui Ubiratan D'Ambrosio e Paulus Gerdes, ed ha pubblicato il libro divulgativo Numeri e Culture (Erickson, 2008), panoramica delle diverse culture matematiche rappresentate nell'immigrazione in Italia. Vive e lavora come insegnante precario a Bologna.
In copertina: un'illlustrazione del Manuale matematico delle isole marine (海岛算经 Hăidăo suànjìng) di Liú Huī (刘徽), III secolo dell’Era volgare.
Privatisation of life insurance sector in indiaiicecollege
This project is related to life insurance business in India. This study is mainly related to privatization of life insurance sector. LIC was monopoly in insurance sector till 2000.
The decision by IRDA to grant licences to private pledgers in life and non-life sector is expected to increase the insurance business in India. This is bound to board to force existing player to become more competitive thus the buyer can now expect better deals form its insurance agents.
Awareness of schemes and services of mf isshail0065
Micro-finance refers to small loans, savings, insurance, and other financial services provided to low-income individuals. It originated in the 1970s and has grown significantly since. Today, over 16 million people are served by over 7,000 microfinance institutions worldwide. In India, the Self Help Group model launched in 1991 has expanded access to financial services for millions of rural poor, especially women. Microfinance aims to help the poor generate income, build businesses, and gain financial stability and empowerment.
This document provides an overview of Life Insurance Corporation of India (LIC), including its formation, vision, mission, objectives, functions, and products/services. LIC was formed in 1956 through the nationalization of India's private insurance industry. It aims to widely provide affordable life insurance coverage. Its functions include carrying out life insurance business, investing funds, and engaging in other related businesses. LIC offers various insurance plans, pension plans, and group schemes to customers.
This document appears to be a student project report analyzing the ratio analysis of LIC and ICICI Prudential Life Insurance companies. It includes sections on introduction to life insurance, unit linked insurance plans of ICICI Prudential, objectives of the study, contents table, and chapters on the companies, ratio analysis, calculations of ratios, and conclusion. The objective of the study is to analyze the growth, penetration, and returns of ICICI Prudential compared to its competitors over a 10 year period from 2000-2001 to 2009-2010.
This document provides an overview and executive summary of a project report on IDBI Federal Life Insurance Company. It includes sections on the organization overview, various departments like marketing, service, and HR. It discusses the company's history, mission, vision, competitors and products. Research methodology, objectives, and data collection sources are also mentioned. The document contains details of the project outline, chapters to be covered, and acknowledgements.
This document is a project report submitted by Soumeet D. Sarkar for his M.Com program. It provides an overview of The Oriental Insurance Company Limited, including its history, popular policies, SWOT analysis, and product profile. The report contains chapters on data analysis and collection, including comparative balance sheets and profit/loss accounts, as well as ratios and comments. It aims to provide insight into The Oriental Insurance Company and the insurance industry in India.
LIC is a state-owned insurance company in India established in 1956 through the nationalization of private insurers. It has over 1.2 million agents and is the largest insurer in India with total assets of over $260 billion USD. LIC was founded to provide affordable life insurance coverage widely, especially in rural areas. It has a large presence across India with various offices and agents.
The document appears to be a research report submitted by Emmanuel Savio to his professor Renu Tiwari at St. Andrews College exploring life insurance products offered by the Life Insurance Corporation of India (LIC). It provides background on LIC and describes several of its popular life insurance plans, outlining their key features, benefits, eligibility requirements, and other details. The report was submitted to fulfill research objectives for Emmanuel's Bachelor of Commerce degree in the academic year 2011-2012.
Life Insurance Corporation of India: A Studyscmsnoida5
Life insurance Corporation of India was a sole
player in Life Insurance business in India; it
was only after privatization Life insurance
Corporation of India faced competition in life
insurance Business. Life insurance Corporation
of India also faced impact over there performance
in Life Insurance Industry. The paper aims to find
out the impact of privatization on Life Insurance
Corporation of India. The prime focus of paper
is to analyse the positive and negative aspects of
privatization on Life Insurance Corporation of
India. The paper concludes with certain sets of
recommendation that can be considered by Life
Insurance Corporation of India to deal with
privatization and its impact on life insurance
business.
This document provides an index and overview of chapters in a project report on rural distribution and recruitment of consultants for Bajaj Allianz Life Insurance Company. It includes acknowledgments, an introduction on insurance concepts, background on Bajaj Allianz and its shareholders Bajaj Auto and Allianz AG. It also outlines the objectives and methodology of a study on the market credibility of Bajaj Allianz compared to other private life insurers and describes a new unit-linked insurance plan called New Unit Gain Plus.
At the most basic level, economics attempts to explain how and why we make the purchasing choices we do. Four key economic concepts—scarcity, supply and demand, costs and benefits, and incentives—can help explain many decisions that humans make
This document discusses the insurance industry and Kotak Mahindra Old Mutual Life Insurance. It provides an overview of types of insurance, the importance of life insurance, and recruitment process in insurance companies. It also discusses Kotak Mahindra Group, the joint venture between Kotak Mahindra Bank and Old Mutual to form Kotak Mahindra Old Mutual Life Insurance. The document analyzes the financial performance and management of Kotak Mahindra Old Mutual Life Insurance and identifies strengths, weaknesses, opportunities and threats for the company.
This document provides an overview of development banks in India, including their concept, definition, functions, and roles. It discusses three major types of development banks - industrial, agricultural, and export-import. It then summarizes several prominent development banks in India, including IFCI (Industrial Finance Corporation of India), IDBI (Industrial Development Bank of India), and ICICI (Industrial Credit and Investment Corporation of India). It outlines their objectives, functions, products/services, and contributions to the Indian economy.
This document provides an overview of IDBI Federal Life Insurance, including:
1) IDBI Federal Life Insurance is a joint venture between IDBI Bank, Federal Bank, and Ageas insurance. It offers various insurance products to customers in India.
2) Information is provided on the partner organizations IDBI Bank, Federal Bank, and Ageas insurance.
3) An organizational structure of IDBI Federal Life Insurance is shown, including the CEO and heads of different divisions.
This document appears to be a student project report comparing the performance of Alliance Insurance Company to its competitors in India. It includes an introduction covering the history and development of the general insurance industry in India. It then provides profiles of Alliance Insurance Company and its products. The remainder of the report outlines the objectives, scope, methodology and findings of the comparative performance analysis conducted between Alliance and other insurance companies.
Insurance as an investment tool with regards to ULIP at Birla Sunlife InsuranceBhavesh Kundnani
The document is a report on a summer internship project about unit linked insurance plans (ULIPs) conducted by Bhavesh N. Kundnani for his MBA program. It includes an introduction, industry and company profiles, literature review, research methodology, data analysis, findings, conclusions, and recommendations. The key points are:
- The project examines ULIPs as an investment tool and analyzes customer awareness and preferences regarding ULIPs.
- It provides background on the insurance industry globally and in India, as well as an overview of Birla Sun Life Insurance Company where the internship took place.
- The research methodology section outlines the problem statement, objectives, sampling approach, and data analysis plan
The document discusses Muthoot Group, a 126-year-old family owned Indian business conglomerate. It operates predominantly in non-banking financial services and offers financial services, wealth management, money transfer, forex, and others. As of 2010, Muthoot Finance was the largest gold financing company in India with over 129 billion loan outstanding portfolio backed by 97.6 tonnes of gold jewelry. The group aims to touch lives through customer-centric approach and innovation as per their vision. It has received several awards and recognition for its social responsibility and loyalty programs.
A Project Report on - FINANCIAL PERFORMANCE OF LIC AND PRIVATE SECTOR LIFE...Karteek Chedadeepu
FINANCIAL PERFORMANCE OF LIC AND PRIVATE SECTOR LIFE INSURANCE COMPANIES IN INDIA
- A COMPARATIVE ANALYSIS USING CARAMEL MODEL..
This is my project report. I did my project on the financial performance of private and public sector of Life insurance companies India by using CARAMEL model.
This document discusses two companies - Mahindra Finance and SNL Financial. It provides details about their histories, structures, products/services, and how they are influenced by different external factors. Both companies have expanded significantly since their founding, with Mahindra Finance establishing over 400 offices across India and SNL Financial expanding globally with over 1,200 employees in 10 offices worldwide. While they face some similar external influences like industry and technology, their structures and cultures differ - with Mahindra Finance taking a more divisional approach and adaptive culture, while SNL Financial has a multifocused structure and clan culture.
The document summarizes key findings from the National Family Health Survey conducted in Gujarat, India in 2005-2006. Some key results include:
- Infant mortality has declined to 50 deaths per 1,000 live births from 63 in the previous survey.
- Less than half (45%) of children ages 12-23 months are fully vaccinated against major illnesses.
- Knowledge of HIV/AIDS is lower among women (53% have heard of it) than men (82% have heard of it).
- Secondary education rates are lower for girls (66%) than boys (75%) ages 6-17.
G.G. Nicosia (2010). Cinesi, scuola e matematica. Morrisville: Lulu.com.
Introduzione di Filippo Spagnolo, direttore del GRIM di Palermo. 122 pagine
Quali sono le aspettative e le opinioni degli studenti di cultura cinese sulla scuola e sulla matematica? Quali le concezioni di scuola e di studio che ereditano delle famiglie? Questo volume tenta di offrire alcune risposte a questi interrogativi per facilitare l'azione didattica degli insegnanti alle prese con classi sempre più multiculturali. Contiene anche una rassegna storica della letteratura matematica cinese ed approfondimenti su alcuni temi classici come i quadrati magici, algoritmi di calcolo mentale, con pallottoliere o con bacchette, e forme particolari di rappresentazione.
La versione scaricabile è gratuita ed il testo è rilasciato sotto licenza Creative Commons Attribution 2.5.
http://www.lulu.com/product/libro-a-copertina-morbida/cinesi-scuola-e-matematica/6282909
http://www.lulu.com/product/scarica/cinesi-scuola-e-matematica/6282910
Indirizzi dell’autore: gnicosia@inwind.it gg.nicosia@gmail.com
Giovanni Giuseppe Nicosia è membro del RSDDM (Gruppo di Ricerca, Sperimentazione e Divulgazione della Didattica della Matematica) di Bologna e dell'ISGEm (International Study Group of Ethnomathematics). Ha tradotto in Italiano alcuni testi dei principali autori dell'Etnomatematica, tra cui Ubiratan D'Ambrosio e Paulus Gerdes, ed ha pubblicato il libro divulgativo Numeri e Culture (Erickson, 2008), panoramica delle diverse culture matematiche rappresentate nell'immigrazione in Italia. Vive e lavora come insegnante precario a Bologna.
In copertina: un'illlustrazione del Manuale matematico delle isole marine (海岛算经 Hăidăo suànjìng) di Liú Huī (刘徽), III secolo dell’Era volgare.
365i is an interactive design system for annual reports.
It’s a highly professional team made up of an experienced, strategic design manager working with creativity consultants, designers and programmers. They use the design tool we have developed, to create a strategic annual reporting system for you.
It is a complete service custom-made for your organisation and your report, which results in an accessible, online annual report.
G.G. Nicosia (2010). Cinesi, scuola e matematica. Morrisville: Lulu.com.
Introduzione di Filippo Spagnolo, direttore del GRIM di Palermo. 122 pagine
Quali sono le aspettative e le opinioni degli studenti di cultura cinese sulla scuola e sulla matematica? Quali le concezioni di scuola e di studio che ereditano delle famiglie? Questo volume tenta di offrire alcune risposte a questi interrogativi per facilitare l'azione didattica degli insegnanti alle prese con classi sempre più multiculturali. Contiene anche una rassegna storica della letteratura matematica cinese ed approfondimenti su alcuni temi classici come i quadrati magici, algoritmi di calcolo mentale, con pallottoliere o con bacchette, e forme particolari di rappresentazione.
La versione scaricabile è gratuita ed il testo è rilasciato sotto licenza Creative Commons Attribution 2.5.
http://www.lulu.com/product/libro-a-copertina-morbida/cinesi-scuola-e-matematica/6282909
http://www.lulu.com/product/scarica/cinesi-scuola-e-matematica/6282910
Indirizzi dell’autore: gnicosia@inwind.it gg.nicosia@gmail.com
Giovanni Giuseppe Nicosia è membro del RSDDM (Gruppo di Ricerca, Sperimentazione e Divulgazione della Didattica della Matematica) di Bologna e dell'ISGEm (International Study Group of Ethnomathematics). Ha tradotto in Italiano alcuni testi dei principali autori dell'Etnomatematica, tra cui Ubiratan D'Ambrosio e Paulus Gerdes, ed ha pubblicato il libro divulgativo Numeri e Culture (Erickson, 2008), panoramica delle diverse culture matematiche rappresentate nell'immigrazione in Italia. Vive e lavora come insegnante precario a Bologna.
In copertina: un'illlustrazione del Manuale matematico delle isole marine (海岛算经 Hăidăo suànjìng) di Liú Huī (刘徽), III secolo dell’Era volgare.
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1. Date: 16th November 2009
ORGANISATION BEHAVIOUR - II
GROUP ASSIGNMENT
TEAM NAME
EKLAVYA
PROJECT ON
SUBMITTED BY
1) Mayur Mewada : 092129
2) Rakesh Dutta : 092139
3) Pramod Paswan : 092137
4) Samir Thakker : 092142
5) Dinesh Lutya : 092115
2. 1) Mahindra Finance, a subsidiary of Mahindra & Mahindra Ltd. A leading Non-Banking
Financial Company catering to the financing needs of vast populace residing the rural and
semi-urban areas of India. Mahindra tractor has 80% of total tractor market in India, and
is the only Indian company supplying tractor across the world. It has been incorporated in
1991, with single office at Mumbai and later second branch at Jaipur in 1993. Also, it is
India’s first NBFC. Now it has 436 offices across India including Head office, Zonal offices,
Area offices and Branch offices, having 4959 regular employees and many more on
contract basis.
The main products of Mahindra Finance are financing, tractor, cars, utility vehicle,
commercial vehicle and so on. Now we have also entered into Insurance, Housing
Finance, Mutual Fund, Personal Loan and Fixed Deposit. Now we have more than 1
million customers with total asset of Rs. 8,500 Crore.
Earlier Anand Mahindra was the chairman of Mahindra Finance later on Bharat Doshi
became the chairman and Uday Y. Phadke as Vice-Chairman. Ramesh Iyer is Managing
Director and V Ravi is CFO.
In the financial year 2008-09 its total income is Rs. 138466.19 lacs, having PBT Rs. 32563.03
lacs and PAT Rs. 21452.06 lacs.
Mahindra Finance has two subsidiaries, Mahindra Rural Housing Finance Ltd and
Mahindra Insurance Broker Ltd. The main purpose of Mahindra Rural Housing Finance
Ltd. is to provide housing loan to its primary customer .i.e. rural customer. Mahindra
Insurance Broker Ltd. Is concern with vehicle insurance, insurance on housing loan as well
as personal insurance.
[Type the company name]
SNL is the single best source for financial information on business sectors critical to the
global economy. SNL Financial collects, standardizes and disseminates all relevant
corporate, financial, market and M&A data — plus news and analysis — for the industries
cover: banking, financial services, insurance, real estate, energy and
media/communications.
2
3. Since foundation in 1987, it continuously expanded it global operations, as well as the
scope and depth of coverage and products — all without compromising the standards of
quality and customer service that drive our success with our Four Core Tenets which are:
Accuracy (paramount of data quality), Relevance (unique characteristics of each sector),
Completeness (one-stop source for information) Timeliness (most current information
possible).
SNL Financial was originally founded as "S&L Securities" in New Jersey in 1987 with an
initial focus on the savings and loan industry. But state law would not permit the
incorporation of a non-bank with "S&L" in the official company name. So we replaced the
"&" with an "N" to create "SNL." And our universe soon expanded well beyond savings &
loans to the various business sectors we cover today.
As a result, leading investment banks, investment managers, corporate executives, ratings
agencies, government agencies, consulting firms, law firms and media such as The New
York Times, The Wall Street Journal, USA Today, Washington Post, Business Week,
Forbes and Fortune rely on SNL Financial for the best possible information on the
companies in our sectors.
It was founded in Hoboken, New Jersey by Reid Nagle and then it other six core board
member joint him. He is still serving as Chairman and Founder with the Mike Chinn as
President, Will Pappas Managing Director of Sales and Nate Haskins
Managing Director of Content.
It one subsidiary SNL Financial India Pvt. Ltd it has global reach spans ten offices
worldwide, with an ever-expanding workforce of more than 1,200 employees. Corporate
headquarters are in Charlottesville, Virginia, other locations include New York, New
Jersey, California, Colorado, Washington DC, Boston, India, Pakistan and the United
Kingdom.
[Type the company name]
In the financial year 2008-09, its PBT $ 126 million and PAT $ 90 million.
3
4. 2) The external environment which encroaches on Mahindra Finance is Industry, Market,
Human Resource, Technology, Economic Conditions, Government and Sociocultural
sectors and for SNL are Industry sector, International, Human Resource and Technology.
Taking each sector and elaborating how they are influencing to Mahindra Finance and
SNL are:
(a) Industry: It has many competitors, which includes TATA Finance, Citi Finance,
Shriram Finance, Muthoot Finance etc. Though they have limited number of products and
less operational locations but they are big competitors. To be always ahead, time-to-time
monitoring, analyzing and accordingly changing the strategies. SNL has many
competitors, Thomson, Bloomberg, Reuters though these are the big name as competitor
but SNL Financial has its own market share as well as it is more focused on the customers.
It does makes move (react) as there competitor action but it few customers demand the
change in data set or more information than it will react to that. So it more a Customer
driven base company compare to it Industry base.
(b) Market: The customer’s taste is changing rapidly and to match their taste we
changes our strategies accordingly. Now the rural customers are also interested in UV, CV,
Two-wheeler, insurance, mortgage etc, rather than traditional trend of buying Tractor.
(c) Human Resource: Skilled workforce plays very significant role for any organization. In
the same concern Mahindra Finance always hire skilled people or regular training in
respective period to cope up with competitors. We have given this task to best HR
consultancy companies like Mafoi, Teamlease and NIS Sparta for providing us skilled and
educated workforce. In SNL, to remain an industry leader, it hires most talented,
motivated people to expand its products, improve its business processes and implement
new technologies. It plays an integral role in a fast-paced, growing company with a
[Type the company name]
demanding, blue-chip roster of clients, all while enjoying a casual workplace.
(d) Technology: Though we are not in production but we cannot ignore technology. It will
have made a vast difference for not using technology. Since we have 400+ offices across
India, communication, data flow, business flow, reports, policy, guidelines and strategies
need to flow form head office to branch level and vice-versa. This will also build better
4
5. relationship with customers. Collection department have handheld machine for EMI
collection in field, having updated details of customers, leads less number of NPA’s.
Technology is high concern for SNL as it in the data mining business. It is majorly effected
by the any change in technology as there are about 10 office across the globe which is
connected though high speed network and storage systems. All communication, data flow,
reports, policy, guidelines and strategies need to flow between the all branches.
(e) Economic Conditions: Being a NBFC this factor is very influencive for us. Recession
leads growth in inflation which leads more interest rate, which directly impact on our
business. People in these conditions hesitate to invest or buy goods and services. Previous
year’s recession had brought down our business, comparative other year’s.
(f) Government: We are very restricted to follow RBI norms and policy. Change in any rule
will lead impact on our business. In the same regard for opening any branch we need to
follow local government policy for lease and license agreement.
(g) Sociocultural: Being a NBFC, the major customers are rural, which have very strong
beliefs and religion bonding. They have strong belief regarding Mahindra name, serving
since 1947. They have good relationship with this name and share their experience with
their ancestors.
(h) International: As SNL deal in International Market so the factor like Currency Exchange
and Global rescission effect it operations. Global rescission has positively effect as it has
increase the demand of it products.
Taking these environmental sectors and comparing with few year back, we came to know
that few are the sector which influence very much. Earlier we have less number of
competitors now we have many. Customers taste had changed a lot during these years;
more and more people are now concern with having their own vehicle. Earlier only few
[Type the company name]
people have their own vehicle. Technology has changed, earlier we don’t have every
branch connected to head office, and now most of all are connected.
More and all we have large number of external environment in Mahindra Finance but they
slowly change and these are foreseeable or predictable. There we can say that Mahindra
Finance is a Complex and Stable organization which has low-moderate uncertainty, as per
5
6. the environment complexity framework. As compare to Mahindra Finance, SNL has stable
and complex. Since the external environment is few but effects rapidly.
Simple + Stable = Low Complex + Stable =
Uncertainty Low-Moderate
Uncertainty
SNL Financial
Simple + Unstable = high- Complex + Unstable
Moderate Uncertainty = High Uncertainty
Mahindra Finance
3) Industry is the common external environment sector which influences both SNL Financial
Ltd. and Mahindra Finance.
Market doesn’t influence to SNL as they have selected corporate clients which need
selected resources from SNL. Whereas Mahindra Finance has vast number of customer
from small, medium and large corporate having different preference and taste which
influence a lot.
Technology and Human resource will influence to both, whereas Government,
Sociocultural and Economic Conditions will only cause effect on Mahindra Finance and
SNL will remain same.
International sector will impact on SNL, being a multinational. It has many international
competitors, leads to influence it. This sector will not effect to Mahindra Finance, as it has
its expansion in India itself.
[Type the company name]
4) From the goals of SNL Financial, we can analyze that this company is very adaptive for
new technologies coming in market as well as this company improving in their services
given to customers as per the environment changes and demand created.
Mahindra Finance is also adaptive in nature but as the business not requires high
technology comparing to SNL Financial so they are applying pilot projects first as when
6
7. they think to change and after analyzing the results they are applying the changes in
systems.
SNL is customer oriented so their strategies are not changing as the environment changes
while Mahindra Finance needs to change their strategies as per environment.
5)
SNL Financial Structure
CHAIRPERS
ON
PRESIDENT
MD MD MD MD
INDUSTRY SALES PRODUCT CONTENT
RESEARCH MANAGEMENT MANAGEMENT
DIR DIR DIR DIR
US US US PK
[Type the company name]
DIR
INDIA
DIR
US
7
8. Mahindra Finance Structure
6) SNL follows the Multi-focused grouping where as Mahindra Finance follows divisional
grouping as there integrating roles between organizational structures. In Mahindra
Finance each departments are based on product wise, FES (Farm Equipment Sector –
Tractor), Utility Vehicle, Commercial Vehicle, Two Wheeler, Insurance, Home Loan etc.,
therefore it is divisional grouping. In SNL, for example, accounts analysts also perform the
[Type the company name]
analysis of capital market. Hence it is cross-functional in structure. As both the
organization have integrity role, therefore there is no need to redesign structure.
7) In 1987 SNL was founded in New Jersey by Reid Nagle and began the coverage of the
Thrift industry with just few members. During the first 10 years, company has expanded
gradually and moved to Charlottesville, Va., began coverage of Banks and acquired Bank
M&A Newsletter as well as launched non-bank financial sectors and Real Estate.
8
9. Released complete regulatory data on banks and thrifts. During these year all the
operation are taken care by US manager and team members. Till this time, it seems to
vertical chain of commands. Major decision might taken by C&F. Company is growing
and may doing experiment with the structures.
In next 10 year, company has expanded its operations and created the post of President
and mean time in 2002 three of Board Member become the managing Director of sale
and accounting as well as started outsourcing its operation in 2003. They have started the
operation in India and two year later started the operation in Pakistan. Organization of
India has become back office of SNL Financial LLP. They has passed it all it major
operation to India office created the position of Director and Asst. Director then down the
line hierarchy as well as delegated the authority same thing done for Pakistan too. Now
the organization structure change drastically.
While taking Mahindra Finance, it has been established in 1991 with 15 employees at
Mumbai. It has initially one office and later included one more at Jaipur. Since it was the
beginning of Mahindra the structure were more Hierarchical. Only one was on the top
management and rest all are doing all activities like, business development, accounts,
marketing, sales, recruitment, collection etc. So, all are cross-functional in structure.
Later on development of Mahindra Finance it has been split into vertical structure as
product head, department head and top management.
8) Culture of Mahindra Finance is Adaptability Culture. We only focus on the external
environment through flexibility and change to meet customer needs. The culture
encourages entrepreneurial values, norms, and beliefs that support the capacity of
Mahindra Finance to detect, interpret, and translate signals from the environment into
new behavior responses.
[Type the company name]
Most Telling Stories: In 1999 there was a Regional Head in Lucknow named Mr. B K Sinha
has established more than 15 branches across the state U.P, in that respective year. He
also did more than 500 businesses in a month. That was record breaking achievement of
making business and still no one had ever reached that mark. This is the revolutionary
achievement made Mahindra Finance a brand image in U.P. also reaches more customers
by this achievement.
9
10. This famous story, which use to tell to any new employee, motivation for existing
employee.
Rites and Ceremonies: Every year Mahindra Finance use to celebrate Annual Convention
at any famous place in India. On that occasion company use to recognize the best branch,
best region, best business developer, best HR executive, best IT executive, best product
seller in tractor, CV, UV, mutual fund, home loan etc. In addition there are some also
award are there like, nil NPA branch, best collection, debt recovery etc. There are also
regional level awards are there like best employee, productive employee and disciplinable
employee.
SNL has clan culture as primary focus on involvement and participation of members and
on rapidly changing expectation from the external environment. SNL focus on the need of
employees with high performance with greater commitment to the organization
Most Telling Story and Rites and Ceremonies:
Yes, it is Bill i.e. William Shulby whom we give credit for having SNL Financial in India in
2oo3. SNL Financial LLP thought of outsource it few operation and they finally selected
Hi-Tech Infotech Pvt ltd run by Pranav Bhanthia. R. Bhanthia handeled this project who
was suspended IT commissioner as Pranav Bhanthia was out of country who was
suspended IT commissioner.
Any way the operation was started in India with 3 managers and few analysts about 30.
Instead of hard work and dedication, we were getting really less which had created
frustration among us. When the things seem not changing our managers have talked with
US counterpart unofficially and informed about the status.
SNL financial send the man of it mission Bill who came here as trainer but actually he is
partner of SNL. He found whatever money they send for us (analyst and mangers) from
that Mr. R.Bhanthia take his cut as on above of it this commission from SNL. Some time
he is not giving the facility for which SNL has paid for to Hi-Tech Infontech/ Mr.
R.Bhanthia.
[Type the company name]
Analyzing all situations Bill had talk to our Chairman and founder about same as well as
also explained the future potential of creating his own back office here.
Bill along with other manager has convinced Chairman and Founder and we have SNL
Financial India Pvt. Ltd.
Hence we had our own organization started on 31st August 2004 which we celebrate as D
Day.
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11. We organize inter department cricket match every six month.
9) Five ways in which middle managers can contribute to organization building and
maintenance:
a. Initiative: Middle managers should be initiative in adopting change in strategy,
authority, structure, etc to convince the followers to adapt and implement
successfully.
b. Creative in nature: Top level management can describe strategy or goal in broad
sense, its middle level manager’s responsibility to imply with his own creativity to
simplifies and easier way to understand as per requirement of lover level
employees.
c. Flexible: As per today’s complex environment, every employee should be flexible
to adopt for changes as change is only permanent. It’s crucial for middle manager
to be flexible with top management as change in strategy and with lower
management as open for ideas and implement of new ways rather than specified.
d. Information flow: As in organization, generally information flow from top to
bottom and suggestion flow from lower to top. Middle managers are key element
for both to transact, hence it should be capable of communication skill and aware
of changes in organization as reliable source for lower management.
e. Professionalism: Middle managers should be professional in his work, he should
differentiate his work and emotion with capability of comparison and analytical of
problem. Examples set by him as lead in nature.
[Type the company name]
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