The global Islamic finance industry can take a leaf out of consumer marketing and utilize that knowledge to develop business strategies that are people centric in order to achieve organic growth.
Social Media for Islamic finance Niche or Ubiquitious OIFI12 nov2010Joy Abdullah
This document provides a summary of Opalesque Islamic Finance Intelligence Issue 13 published on November 11, 2010. It includes the following sections:
- Editor's Note discussing how Islamophobia affects the Islamic finance industry and commentary on recent events.
- Featured Resource on Islamic microfinance compiling various industry reports, studies and models.
- Featured Structure continuing discussion on the Islamic financing structure of Istijrar and focusing on sale at market price.
- Fund Manager Interview with Monem Salam of Saturna Capital sharing insights on their Amana funds.
- Industry Snapshot providing an in-depth analysis of Shariah stock screening mechanisms and issues that can arise.
-
Evolutionising Islamic Brand Advocacy through successful Relationship Marketi...Joy Abdullah
As competition heightens, Islamic brands need to adopt more strategic customer-centric approaches to meet the pace of change. Enhancing personal relationships with customers is critically important in order to attract and retain customer loyalty, and to secure competitive success.
Joy Abdullah is a marketing specialist from the UK who has experience in business strategy, marketing, and management in Asia. He helps businesses grow their brands and sales through his expertise in branding, operations, and building relationships. Abdullah received his MBA in finance and marketing from the Indian Institute of Social Welfare and studied general management at the Indian Institute of Management in Calcutta.
What's on the horizon for islamic finance article in ift oct 2016Joy Abdullah
With the rapid growth of Islamic finance there looms issues that have the potential of disrupting the current business models in play in the industry. This article explores 5 of these issues.
Can islamic finance show its economic and societal value?Joy Abdullah
This article aims to highlight the need to strategically re-focus the purpose of Islamic finance by highlighting the economic and social benefits.
The article is on Page 6-7.
The global Islamic finance industry can take a leaf out of consumer marketing and utilize that knowledge to develop business strategies that are people centric in order to achieve organic growth.
Social Media for Islamic finance Niche or Ubiquitious OIFI12 nov2010Joy Abdullah
This document provides a summary of Opalesque Islamic Finance Intelligence Issue 13 published on November 11, 2010. It includes the following sections:
- Editor's Note discussing how Islamophobia affects the Islamic finance industry and commentary on recent events.
- Featured Resource on Islamic microfinance compiling various industry reports, studies and models.
- Featured Structure continuing discussion on the Islamic financing structure of Istijrar and focusing on sale at market price.
- Fund Manager Interview with Monem Salam of Saturna Capital sharing insights on their Amana funds.
- Industry Snapshot providing an in-depth analysis of Shariah stock screening mechanisms and issues that can arise.
-
Evolutionising Islamic Brand Advocacy through successful Relationship Marketi...Joy Abdullah
As competition heightens, Islamic brands need to adopt more strategic customer-centric approaches to meet the pace of change. Enhancing personal relationships with customers is critically important in order to attract and retain customer loyalty, and to secure competitive success.
Joy Abdullah is a marketing specialist from the UK who has experience in business strategy, marketing, and management in Asia. He helps businesses grow their brands and sales through his expertise in branding, operations, and building relationships. Abdullah received his MBA in finance and marketing from the Indian Institute of Social Welfare and studied general management at the Indian Institute of Management in Calcutta.
What's on the horizon for islamic finance article in ift oct 2016Joy Abdullah
With the rapid growth of Islamic finance there looms issues that have the potential of disrupting the current business models in play in the industry. This article explores 5 of these issues.
Can islamic finance show its economic and societal value?Joy Abdullah
This article aims to highlight the need to strategically re-focus the purpose of Islamic finance by highlighting the economic and social benefits.
The article is on Page 6-7.
Does the Islamic finance industry value its people? Joy Abdullah
Islamic finance is on the cusp of a golden opportunity to influence and implement its efficacy globally. Yet this opportunity can only be capitalized on if the industry is willing to embrace innovative ideas and take cognizance of the socio-economic changes that have come about in the past decade.
My article on this published in the IFN Education Jan 2016 issue.
Banker to entreprenuer business & finance april 2015Joy Abdullah
An interview with Shakeeb Saqlain, banker turned entrepreneur and CEO of IslamicBanker.com, an industry platform for the global Islamic finance market.
Is Marketing Important for Islamic Finance?Joy Abdullah
This article explores how modern day marketing can work for Islamic Finance across Islamic finance and non-Islamic finance markets.
The marketing function has undergone tremendous changes in the past decade.
Today marketing involves technology, engagement and most importantly creating and
delivering an authentic brand experience from the employees' and consumers' perspective. Brand value in monetary terms, as an asset, is now fully dependent on this brand experience.
(Published in Islamic Finance Today Jan 2015 issue).
Talk on Leadership, Marketing & Networking to the Maarifa teamJoy Abdullah
This document discusses marketing and networking. It notes that the aim of marketing is to understand customers so well that the product sells itself. It also emphasizes that marketing is about studying human behavior and influencing habits to drive consumption and brand engagement. The document encourages networking at an event by attending sessions on topics of interest, introducing yourself to speakers, and connecting with key people on LinkedIn.
ENGAGING PERCEPTION THROUGH CUSTOMER-CENTRIC CORPORATE SOCIAL RESPONSIBILITY...Joy Abdullah
Most companies undertake Corporate Social Responsibility programmes as having to fulfil a corporate duty of giving back to society. Often development of such a program is the onus of the corporate marketing team and is tied
back to ensuring the brand is seen in good light.
With 'transparency' becoming akin to a war-cry by consumers, corporate philanthropy is on a come-back.
There are strong advantages in aligning an organisations' profitability objective with community development.
Marketing in Post-Colonial Asia-- An interview of Joy Abdullah by Dr. Jonatha...Joy Abdullah
Joy Abdullah is the head of marketing and communications at INCEIF, a global university of Islamic finance based in Malaysia. He shares highlights from his long career in advertising and marketing, including launching a tea brand in India under tight deadlines, managing the largest cellular operator account in India, and starting up new operations for agencies. He discusses differences in working practices between India, Malaysia, and other countries in Asia. Currently, he writes and speaks on brand sustainability in the halal industry while also serving as marketing head for an academic institution.
Islamic Branding- Misnomer or Earnest Opportunity?Joy Abdullah
Is there actually such a thing as an "Islamic Brand"? If yes, is it an opportunity for marketers or is it just another fad? On the other hand is it just a misnomer?
I answer these from a marketer's perspective in the July 2014 issue of Islamic Banker Asia.
Leadership & its impact in Communication for Yurizk Webinar 080614Joy Abdullah
Overview of what is leadership & communication and the impact of leadership in communication.
Presented at Yurizik's #YBCL2014 webinar on June 8th, 2014.
Talent Development in the Islamic Finance Industry--Is It Really Necessary? (...Joy Abdullah
More and more educational institutions, around the world, are offering degree programs and diplomas in Islamic Finance and banking. This is a good sign as it indicates that the growing global Islamic finance industry has a rising demand for competent and trained talent. Why, therefore, are graduates struggling to find jobs after qualifying?
Is Talent Development needed or not?
Halal & Shari'ah compliance - A process or a value..Joy Abdullah
The document discusses opportunities for businesses within the Muslim consumer market, which comprises 1.6 billion people globally. It notes that while research has been done on Halal and Islamic finance, businesses still lack an understanding of Muslim consumers and what they want. The key issues are consumer insights, comprehending what Halal and Shariah mean to consumers, and understanding consumers' latent needs and desires for values. To be successful, the Halal and Islamic finance industries must become consumer-centric and focus on building strategies based on consumer research and understanding consumers' value benefits.
Islamic Marketing feature story by A&M in Aug 2011 issue where "Challenges and Misconceptions" of marketing to the Global Muslim Community covers my interview.
Muslim branding talk for oic kl june 10 2011Joy Abdullah
Muslim Branding-- Myth Or Reality--
Presented at the OIC World Business Conference on June 10 that deals with the incorrect perception called muslim branding.
Education In Islamic Finance Pg21 Oifi Issue 16Joy Abdullah
Pages 21-22 of this edition highlights the importance of moving into a consumer centric business strategy and educating the investment public and retail consumers in order to generate preferrence for Islamic Finance products.
This article analyzes the numerical differences between conventional insurance and takaful. It uses a simplified hypothetical case to explain the core concepts in an accessible way. Specifically, it examines a scenario with just two participants to demonstrate how risk is shared differently between conventional insurance and takaful. This simplified approach aims to improve understanding of these two systems, which can be complex with technical terminology and regulations. The analysis provides a foundation to generalize the insights to real-world insurance and takaful products and industries.
This document provides a summary of the ninth issue of the Opalesque Islamic Finance Intelligence newsletter. It includes sections on equity screening methodologies, featured multimedia resources on Islamic finance, an analysis of how successive parallel murabahas can construct a Shariah compliant profit rate swap, a discussion of how English courts view Islamic finance contracts, a study on the relationship between Shariah structures and Islamic legal principles, a survey of industry perceptions of Islamic finance, views on the importance of financial education, and an opinion column on responding to events disrespecting religious figures. The issue aims to inform readers on current topics in the Islamic finance industry through analytical articles, interviews, and commentary.
The Steadfast and Reliable Bull: Taurus Zodiac Signmy Pandit
Explore the steadfast and reliable nature of the Taurus Zodiac Sign. Discover the personality traits, key dates, and horoscope insights that define the determined and practical Taurus, and learn how their grounded nature makes them the anchor of the zodiac.
Does the Islamic finance industry value its people? Joy Abdullah
Islamic finance is on the cusp of a golden opportunity to influence and implement its efficacy globally. Yet this opportunity can only be capitalized on if the industry is willing to embrace innovative ideas and take cognizance of the socio-economic changes that have come about in the past decade.
My article on this published in the IFN Education Jan 2016 issue.
Banker to entreprenuer business & finance april 2015Joy Abdullah
An interview with Shakeeb Saqlain, banker turned entrepreneur and CEO of IslamicBanker.com, an industry platform for the global Islamic finance market.
Is Marketing Important for Islamic Finance?Joy Abdullah
This article explores how modern day marketing can work for Islamic Finance across Islamic finance and non-Islamic finance markets.
The marketing function has undergone tremendous changes in the past decade.
Today marketing involves technology, engagement and most importantly creating and
delivering an authentic brand experience from the employees' and consumers' perspective. Brand value in monetary terms, as an asset, is now fully dependent on this brand experience.
(Published in Islamic Finance Today Jan 2015 issue).
Talk on Leadership, Marketing & Networking to the Maarifa teamJoy Abdullah
This document discusses marketing and networking. It notes that the aim of marketing is to understand customers so well that the product sells itself. It also emphasizes that marketing is about studying human behavior and influencing habits to drive consumption and brand engagement. The document encourages networking at an event by attending sessions on topics of interest, introducing yourself to speakers, and connecting with key people on LinkedIn.
ENGAGING PERCEPTION THROUGH CUSTOMER-CENTRIC CORPORATE SOCIAL RESPONSIBILITY...Joy Abdullah
Most companies undertake Corporate Social Responsibility programmes as having to fulfil a corporate duty of giving back to society. Often development of such a program is the onus of the corporate marketing team and is tied
back to ensuring the brand is seen in good light.
With 'transparency' becoming akin to a war-cry by consumers, corporate philanthropy is on a come-back.
There are strong advantages in aligning an organisations' profitability objective with community development.
Marketing in Post-Colonial Asia-- An interview of Joy Abdullah by Dr. Jonatha...Joy Abdullah
Joy Abdullah is the head of marketing and communications at INCEIF, a global university of Islamic finance based in Malaysia. He shares highlights from his long career in advertising and marketing, including launching a tea brand in India under tight deadlines, managing the largest cellular operator account in India, and starting up new operations for agencies. He discusses differences in working practices between India, Malaysia, and other countries in Asia. Currently, he writes and speaks on brand sustainability in the halal industry while also serving as marketing head for an academic institution.
Islamic Branding- Misnomer or Earnest Opportunity?Joy Abdullah
Is there actually such a thing as an "Islamic Brand"? If yes, is it an opportunity for marketers or is it just another fad? On the other hand is it just a misnomer?
I answer these from a marketer's perspective in the July 2014 issue of Islamic Banker Asia.
Leadership & its impact in Communication for Yurizk Webinar 080614Joy Abdullah
Overview of what is leadership & communication and the impact of leadership in communication.
Presented at Yurizik's #YBCL2014 webinar on June 8th, 2014.
Talent Development in the Islamic Finance Industry--Is It Really Necessary? (...Joy Abdullah
More and more educational institutions, around the world, are offering degree programs and diplomas in Islamic Finance and banking. This is a good sign as it indicates that the growing global Islamic finance industry has a rising demand for competent and trained talent. Why, therefore, are graduates struggling to find jobs after qualifying?
Is Talent Development needed or not?
Halal & Shari'ah compliance - A process or a value..Joy Abdullah
The document discusses opportunities for businesses within the Muslim consumer market, which comprises 1.6 billion people globally. It notes that while research has been done on Halal and Islamic finance, businesses still lack an understanding of Muslim consumers and what they want. The key issues are consumer insights, comprehending what Halal and Shariah mean to consumers, and understanding consumers' latent needs and desires for values. To be successful, the Halal and Islamic finance industries must become consumer-centric and focus on building strategies based on consumer research and understanding consumers' value benefits.
Islamic Marketing feature story by A&M in Aug 2011 issue where "Challenges and Misconceptions" of marketing to the Global Muslim Community covers my interview.
Muslim branding talk for oic kl june 10 2011Joy Abdullah
Muslim Branding-- Myth Or Reality--
Presented at the OIC World Business Conference on June 10 that deals with the incorrect perception called muslim branding.
Education In Islamic Finance Pg21 Oifi Issue 16Joy Abdullah
Pages 21-22 of this edition highlights the importance of moving into a consumer centric business strategy and educating the investment public and retail consumers in order to generate preferrence for Islamic Finance products.
This article analyzes the numerical differences between conventional insurance and takaful. It uses a simplified hypothetical case to explain the core concepts in an accessible way. Specifically, it examines a scenario with just two participants to demonstrate how risk is shared differently between conventional insurance and takaful. This simplified approach aims to improve understanding of these two systems, which can be complex with technical terminology and regulations. The analysis provides a foundation to generalize the insights to real-world insurance and takaful products and industries.
This document provides a summary of the ninth issue of the Opalesque Islamic Finance Intelligence newsletter. It includes sections on equity screening methodologies, featured multimedia resources on Islamic finance, an analysis of how successive parallel murabahas can construct a Shariah compliant profit rate swap, a discussion of how English courts view Islamic finance contracts, a study on the relationship between Shariah structures and Islamic legal principles, a survey of industry perceptions of Islamic finance, views on the importance of financial education, and an opinion column on responding to events disrespecting religious figures. The issue aims to inform readers on current topics in the Islamic finance industry through analytical articles, interviews, and commentary.
The Steadfast and Reliable Bull: Taurus Zodiac Signmy Pandit
Explore the steadfast and reliable nature of the Taurus Zodiac Sign. Discover the personality traits, key dates, and horoscope insights that define the determined and practical Taurus, and learn how their grounded nature makes them the anchor of the zodiac.
SATTA MATKA DPBOSS KALYAN MATKA RESULTS KALYAN CHART KALYAN MATKA MATKA RESULT KALYAN MATKA TIPS SATTA MATKA MATKA COM MATKA PANA JODI TODAY BATTA SATKA MATKA PATTI JODI NUMBER MATKA RESULTS MATKA CHART MATKA JODI SATTA COM INDIA SATTA MATKA MATKA TIPS MATKA WAPKA ALL MATKA RESULT LIVE ONLINE MATKA RESULT KALYAN MATKA RESULT DPBOSS MATKA 143 MAIN MATKA KALYAN MATKA RESULTS KALYAN CHART
Adani Group's Active Interest In Increasing Its Presence in the Cement Manufa...Adani case
Time and again, the business group has taken up new business ventures, each of which has allowed it to expand its horizons further and reach new heights. Even amidst the Adani CBI Investigation, the firm has always focused on improving its cement business.
Tired of chasing down expiring contracts and drowning in paperwork? Mastering contract management can significantly enhance your business efficiency and productivity. This guide unveils expert secrets to streamline your contract management process. Learn how to save time, minimize risk, and achieve effortless contract management.
SATTA MATKA DPBOSS KALYAN MATKA RESULTS KALYAN CHART KALYAN MATKA MATKA RESULT KALYAN MATKA TIPS SATTA MATKA MATKA COM MATKA PANA JODI TODAY BATTA SATKA MATKA PATTI JODI NUMBER MATKA RESULTS MATKA CHART MATKA JODI SATTA COM INDIA SATTA MATKA MATKA TIPS MATKA WAPKA ALL MATKA RESULT LIVE ONLINE MATKA RESULT KALYAN MATKA RESULT DPBOSS MATKA 143 MAIN MATKA KALYAN MATKA RESULTS KALYAN CHART
During the budget session of 2024-25, the finance minister, Nirmala Sitharaman, introduced the “solar Rooftop scheme,” also known as “PM Surya Ghar Muft Bijli Yojana.” It is a subsidy offered to those who wish to put up solar panels in their homes using domestic power systems. Additionally, adopting photovoltaic technology at home allows you to lower your monthly electricity expenses. Today in this blog we will talk all about what is the PM Surya Ghar Muft Bijli Yojana. How does it work? Who is eligible for this yojana and all the other things related to this scheme?
Unlocking WhatsApp Marketing with HubSpot: Integrating Messaging into Your Ma...Niswey
50 million companies worldwide leverage WhatsApp as a key marketing channel. You may have considered adding it to your marketing mix, or probably already driving impressive conversions with WhatsApp.
But wait. What happens when you fully integrate your WhatsApp campaigns with HubSpot?
That's exactly what we explored in this session.
We take a look at everything that you need to know in order to deploy effective WhatsApp marketing strategies, and integrate it with your buyer journey in HubSpot. From technical requirements to innovative campaign strategies, to advanced campaign reporting - we discuss all that and more, to leverage WhatsApp for maximum impact. Check out more details about the event here https://events.hubspot.com/events/details/hubspot-new-delhi-presents-unlocking-whatsapp-marketing-with-hubspot-integrating-messaging-into-your-marketing-strategy/
High-Quality IPTV Monthly Subscription for $15advik4387
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Enhancing Adoption of AI in Agri-food: IntroductionCor Verdouw
Introduction to the Panel on: Pathways and Challenges: AI-Driven Technology in Agri-Food, AI4Food, University of Guelph
“Enhancing Adoption of AI in Agri-food: a Path Forward”, 18 June 2024
Cover Story - China's Investment Leader - Dr. Alyce SUmsthrill
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
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The report *State of D2C in India: A Logistics Update* talks about the evolving dynamics of the d2C landscape with a particular focus on how brands navigate the complexities of logistics. Third Party Logistics enablers emerge indispensable partners in facilitating the growth journey of D2C brands, offering cost-effective solutions tailored to their specific needs. As D2C brands continue to expand, they encounter heightened operational complexities with logistics standing out as a significant challenge. Logistics not only represents a substantial cost component for the brands but also directly influences the customer experience. Establishing efficient logistics operations while keeping costs low is therefore a crucial objective for brands. The report highlights how 3PLs are meeting the rising demands of D2C brands, supporting their expansion both online and offline, and paving the way for sustainable, scalable growth in this fast-paced market.
Ellen Burstyn: From Detroit Dreamer to Hollywood Legend | CIO Women MagazineCIOWomenMagazine
In this article, we will dive into the extraordinary life of Ellen Burstyn, where the curtains rise on a story that's far more attractive than any script.
Ellen Burstyn: From Detroit Dreamer to Hollywood Legend | CIO Women Magazine
Retooling islamic retail banking business islamica nov'10
1. Business islamica MagazineIslamic MANAGEMENT
Shari’ah-based Islamic finance:
from copycats
to research-based
F
or businesses today, having
a competitive advantage is
critical, in terms of business
operations. More and more
brands have moved into having a
‘service- based’ advantage in order
to differentiate the ‘brand offer’. To
do this across many categories, this
is at times tough to put in place.
Tough, as it’s hard to identify or pin
down the significant service offering
or delivery which is unique to that
brand itself and is sustainable
enough for it not to be copied.
Studying a few categories that the
Ummah uses on a daily basis, one
industry that emerges with a strong
opportunity for developing a truly
sustainable competitive advantage
is the Islamic Finance Industry (IFI).
From what I’ve been able to study in
the retail industry, it seems that the
operating principles have, primarily,
been to re-package conventional
financial products and make them
‘Shari’ah compliant’. There could
be many reasons for this, but that’s
not the purpose of this post. Across
Islamic countries, the products IFIs
offer also do not have much variation
and all are tied up in a labyrinth of
Shari’ah compliance, conformity,
and confounding jargon.
But with a growing global Ummah
which has strong disposable
income and a penchant for utilizing
their liquidity for ‘value for money’
products across markets, this
simplicity and, leading from it,
a clear brand identity in Islamic
finance product development and
44 www.islamica-me.com www.islamica-me.com 45
One industry that
emerges with a strong
opportunity for developing
a truly sustainable competi-
tive advantage is the Islamic
Finance Industry (IFI).
By Joy Abdullah
Retooling Islamic Retail banking
The Islamic Finance Industry (IFI) has been developing their products
and services by mimicking conventional finance and dressing them with a
Shari’ahgarb.TheIFIthatwillmeettheconsumerandinvestorexpectations
is one based on behavioral and market studies. That essential part of
conventional finance has so far evaded Shari’ah scholars.
2. Business islamica MagazineIslamic MANAGEMENT
46 www.islamica-me.com
marketing seems to be sorely
lacking, when it could actually
provide the industry (as a whole)
huge growth possibilities. Again, this
could be due to the fact that finance
(as an industry) was primarily a
B2B (business to business) function
and from the realm of this sector
emerged Islamic Finance as an
alternative channel of finance and
ultimately did not actually develop
as a retail product for clients of the
conventional financial institutions,
i.e. non-Muslim world.
However, now, with the convergence
of Islamic finance into mainstream
finance, the renewed interest in
Islamic finance globally, and the
resurgence of the Ummah, these
factors appear to present both the
Islamic finance Institutions as well
as the corporations (in this sector)
a unique scenario of developing a
strong competitive advantage.
But in order to develop this
advantage a re-evaluation of merely
the product make- up or marketing
communications would not do. In
order to create and deliver such a
competitive advantage, the entire
operational process of the business
would need to be reviewed. This
review is necessary so as to ensure
that the end result in terms of the
product and brand delivery match
up to what the market needs, wants
and can bear.
This becomes the starting point, in
order to build such a competitive
advantage. The CONSUMERS!
By understanding what are the
perceptions, awareness and
comprehension levels of consumers
for Islamic Finance and related
product categories are, either
the industry (as a body) or the
businesses (that make up the
industry) can develop products
that are truly what the Ummah
needs. Having this vital amount of
information would allow the industry
and the businesses to:
A. Implement marketing programs
which would increase the
understanding of the benefits of
Islamic financial products amongst
the consumers and thereby
increase acceptance (within the
Muslim community as well as the
non-Muslim community).
B. Assist in new product
development, which would
automatically provide benefits that
the consumer wants. Thereby the
acceptance would be better.
C. Re-develop/ re-design its
operating standards and guidelines
utilizing the original and true basis
of Islamic finance and thereby be
“Shari’ah-based”.
By virtue of this, as an industry the IFIs
would be operating their businesses
not on the conventional “profit making
form of disguised interest” platform
but on the “benefit to society”
platform. And yet the businesses
will be profitable by virtue of having
consumer acceptance and higher
comprehension of Islamic Finance.
The question now is who’s going to
takethatfirstbigstepandinvestinthe
required qualitative and quantitative
consumer research? Without this vital
piece of information and knowledge,
we will, at best be making educated
guesses. And educated guesses,
cannot replace, strong insights where
marketing is concerned.
Joy abdullah is an ENABLER who
has dual expertise in strategic
business planning and brand
marketing. Such synthesis of
strategic planning enables Joy
to aid brands in having a strong
reputation, clear image, and
efficient delivery. By using ethics,
values, governance requirements
and desired brand objectives in
corporate planning, Joy minimizes
potential risks a brand may face,
in developing the brand strategy
and delivering the desired
experience(toitsstakeholders).He
has strong knowledge of ASEAN
& India markets. His articles
focus on the importance of ethical
brand marketing encompassing
brand reputation management,
employee-brand relationship and
CSR. Comments and queries
can be directed to joyabdullah@
dailybaraka.eu
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