In risk management , a firm tries to minimize the amount of risk and the cost of that risk.
Insurance is a written contract , taken with the insuring company , that transfers the risk of loss to the insurer according to the terms of the contract.
overview of financial system and banking system in
,
financial system in bangladesh
,
role of bank
,
sources of income of banks
,
principles of commercial bank
,
function of banks
The Review of Industrial Policies in Bangladesh from 1971 - 2014Hasanul Banna
The Review of Industrial Policies in Bangladesh from 1971 - 2014.
The Main Points of this assignment is
The Review of Industrial Policies in Bangladesh from 1971 - 2014.
The Review of Industrial Policies in Bangladesh from 1971 - 2
Industrialization is an essential pre -requisite for rapid and sustained economic development and social progress.
Modernization and structural transformation of the economy and diversification of the economic base and standard of living of the people are the universally recognized dynamic benefits arising from industrial development.
Industrialization is thus pursued as an overriding development objective in its own right.
In the past, efforts towards industrialization in Bangladesh were made under changing economic paradigm and political economy regimes. Since independence in 1971, a total of ten industrial policies have been formulated and adopted for industrial development of Bangladesh.
Concept of Industrial Policy.
The policy contents of industrial policy are now getting wider and wider. While the traditional role of industrial policy.
to influence the allocation of resources to industry, i.e., policies that affect the infrastructure of industry in general, such as the provision of industrial sites, roads, ports, and electric power,
to regulate the internal organization of particular industries, such as industrial restructuring, consolidation of firms, and output restrictions, and
To influence the growth of small and medium scale enterprises (SMEs), etc. remains as before, industrial policies are now directed at achieving on-economic goals.
Main Theme of Industrial Policy In Bangladesh
It has been 43 years since Bangladesh’s independent. Since then the country has formulated ten industrial policies.
The country till now has gone through 10 policies:
Importance of Industrial Policies in Bangladesh
The key to poverty alleviation lies in the generation of productive employment through rapid economic growth and structural transformation of the economy away from agriculture and toward industry.
While the slow growth of the manufacturing sector may be attributed to factors like energy shortage, reduced availability of bank credit, poor inflow of foreign direct investment (FDI) labor unrest, and poor law and order conditions no less responsible are the inconsistent policies.
The market failure approach makes public policy to focus basically on supplying lacking inputs: physical capital, skills, technology, etc. While this is an important policy area, developing countries also tend to suffer from a lack of demand for such inputs.
Market failures are not always easy to locate except in the most obvious situations (namely, education, infrastructure, etc.) and, when they can be located, their seriousness may not be apparent.
There is what amounts to a “private sector failure”, when a firm’s goal
overview of financial system and banking system in
,
financial system in bangladesh
,
role of bank
,
sources of income of banks
,
principles of commercial bank
,
function of banks
The Review of Industrial Policies in Bangladesh from 1971 - 2014Hasanul Banna
The Review of Industrial Policies in Bangladesh from 1971 - 2014.
The Main Points of this assignment is
The Review of Industrial Policies in Bangladesh from 1971 - 2014.
The Review of Industrial Policies in Bangladesh from 1971 - 2
Industrialization is an essential pre -requisite for rapid and sustained economic development and social progress.
Modernization and structural transformation of the economy and diversification of the economic base and standard of living of the people are the universally recognized dynamic benefits arising from industrial development.
Industrialization is thus pursued as an overriding development objective in its own right.
In the past, efforts towards industrialization in Bangladesh were made under changing economic paradigm and political economy regimes. Since independence in 1971, a total of ten industrial policies have been formulated and adopted for industrial development of Bangladesh.
Concept of Industrial Policy.
The policy contents of industrial policy are now getting wider and wider. While the traditional role of industrial policy.
to influence the allocation of resources to industry, i.e., policies that affect the infrastructure of industry in general, such as the provision of industrial sites, roads, ports, and electric power,
to regulate the internal organization of particular industries, such as industrial restructuring, consolidation of firms, and output restrictions, and
To influence the growth of small and medium scale enterprises (SMEs), etc. remains as before, industrial policies are now directed at achieving on-economic goals.
Main Theme of Industrial Policy In Bangladesh
It has been 43 years since Bangladesh’s independent. Since then the country has formulated ten industrial policies.
The country till now has gone through 10 policies:
Importance of Industrial Policies in Bangladesh
The key to poverty alleviation lies in the generation of productive employment through rapid economic growth and structural transformation of the economy away from agriculture and toward industry.
While the slow growth of the manufacturing sector may be attributed to factors like energy shortage, reduced availability of bank credit, poor inflow of foreign direct investment (FDI) labor unrest, and poor law and order conditions no less responsible are the inconsistent policies.
The market failure approach makes public policy to focus basically on supplying lacking inputs: physical capital, skills, technology, etc. While this is an important policy area, developing countries also tend to suffer from a lack of demand for such inputs.
Market failures are not always easy to locate except in the most obvious situations (namely, education, infrastructure, etc.) and, when they can be located, their seriousness may not be apparent.
There is what amounts to a “private sector failure”, when a firm’s goal
Customer satisfaction level towards the service provided by the co operative ...Pritesh Radadiya
In this report all services of the SHREE RAJKOT DISTRICT CO-OPERATIVE BANK. Like loan facility, locker facility, fixed deposit facility and followed by other services provided by the bank have been analyzed and rehired with the help of primary data.
We have tried our level best to include each and special features of SHREE RAJKOT DISTRICT CO-OPERATIVE BANK. in this report.
Each part begins with an introduction section to know what actually does it means.
The very first part of the report starts with the history of banking and followed by the company’s information and analysis of primary data.
Customer satisfaction level towards the service provided by the co operative ...Pritesh Radadiya
In this report all services of the SHREE RAJKOT DISTRICT CO-OPERATIVE BANK. Like loan facility, locker facility, fixed deposit facility and followed by other services provided by the bank have been analyzed and rehired with the help of primary data.
We have tried our level best to include each and special features of SHREE RAJKOT DISTRICT CO-OPERATIVE BANK. in this report.
Each part begins with an introduction section to know what actually does it means.
The very first part of the report starts with the history of banking and followed by the company’s information and analysis of primary data.
A Brief discussion on Consumerism and Environmentalism.Rizwan Khan
Consumerism and Environmentalism are often viewed as mutually opposing constructs. While the former emphasizes the accumulation and consumption of material resources, the latter advocates resource conservation and long-term sustainability.
According to Kotler (2008) Consumerism is increasing power of buyers in relation to sellers via organized movement of people and governmental agencies. While Verdant (2011) describing consumerism as: “Consumerism is a pattern of behavior that helps to destroy our environment, personal financial health, the common good of individuals and human institutions.” The critics of marketing and their long-term disadvantages are evidence that personally I think Verdant descriptions of consumerism shows clearly the effects of consumerism on society so that consumerism tries to replace “normal common-sense” with artificial senses that make people to demand their wants.
The present book is a great step in forward direction of Indian Insurance sector ; and I have no doubt that after studying this book in detail and getting through the examination successfully, the insurance agent will gain substantially in accomplishing the tasks that are assigned to him or her. I would keenly look forward to its huge success in the Indian insurance domain in the days to come.
Project on CREDIT INSURANCE by Akshat MahendraAKSHAT MAHENDRA
Project Report on CREDIT INSURANCE
Project on CREDIT
BBI SEM 6 Project
Project Report on CREDIT
Semester VI BBI Blackbook Project 100 Marks
Project Report on INSURANCE
Semester 6 BBI Blackbook Project 100 Marks
Project on INSURANCE
Project on Finance
Project on Finance BBI
B.Com (BANKING and INSURANCE)
Project for BBI
Project on Finance BANKING INSURANCE
BANKING & INSURANCE
Semester 6 B.Com BANKING and INSURANCE Blackbook Project 100 Marks
BANKING and INSURANCE
Semester 6 BANKING and INSURANCE Blackbook Project 100 Marks
B.Com BANKING and INSURANCE
Life insurance corporation of India provides wide range of life insurance products its your time to decide which one you want as we all know life is precious protect it by taking right insurance product.
This presentation gives an brief introduction about the growth of insurance sector in India. It also give description about the major players existing in the finance market of insurance.
focusing on Aditya Birla capital Advertisement Strategies, tying to know consumer behaviour and Branding. Understand how companies find target group and also get to know consumer insight.
Done Research get to know consumer behaviour towards Insurance Sector and i.e. also develop questionnaire to know consumer behavior towards private and public Insurance Company.
The outcome of this session is to understand the fundamentals of insurance, the risk management techniques ,Principles of Insurance contracts & Key Insurance terminologies
SecureNow Insurance Broker wrote extensively on insurance matters in several leading newspaper in FY 2014-15.These cover typical insurance related issues that consumers face as well as industry and regulatory related issues. These columns were published in leading newspapers and websites.
Here is the compilation of the columns and Q & As
Inflation is defined as a sustained increase in the general level of prices for goods and services in a county, and is measured as an annual percentage change. Under conditions of inflation, the prices of things rise over time. Put differently, as inflation rises, every dollar you own buys a smaller percentage of a good or service. When prices rise, and alternatively when the value of money falls you have inflation
inflation is a sustained increase in the general price level of goods and services in an economy over a period of time.When the price level rises, each unit of currency buys fewer goods and services; consequently, inflation reflects a reduction in the purchasing power per unit of money – a loss of real value in the medium of exchange and unit of account within the economy.A chief measure of price inflation is the inflation rate, the annualized percentage change in a general price index, usually the consumer price index, over time. The opposite of inflation is deflation
an illegal act for which someone can be punished by the government; especially :a gross violation of law.
crime is an unlawful act punishable by a state or other authority.The term "crime" does not, in modern criminal law, have any simple and universally accepted definition, though statutory definitions have been provided for certain purposes.The most popular view is that crime is a category created by law; in other words, something is a crime if declared as such by the relevant and applicable law. One proposed definition is that a crime or offence (or criminal offence) is an act harmful not only to some individual but also to a community, society or the state ("a public wrong"). Such acts are forbidden and punishable by law.
A company, abbreviated co., is a legal entity made up of an association of people, be they natural, legal, or a mixture of both, for carrying on a commercial or industrial enterprise. Company members share a common purpose and unite in order to focus their various talents and organize their collectively available skills or resources to achieve specific, declared goals.
A company or association of persons can be created at law as legal person so that the company in itself can accept limited liability for civil responsibility and taxation incurred as members perform (or fail) to discharge their duty within the publicly declared "birth certificate" or published policy.
Sound that is unwanted or disrupts one’s quality of life is called as noise. So, Noise is basically any unwanted sound.
In this type of pollution contaminants are not physical particles, but waves which interfere with the naturally occurring waves of a similar type in the same environment.
When there is a lot of noise in the environment it is turned as noise pollution. Sound becomes undesirable when it disturb the normal activities such as working, sleeping etc.
A Brief Discussion on demographic transition theory.Rizwan Khan
Demographic transition (DT) refers to the transition from high birth and death rates to lower birth and death rates as a country or region develops from a pre-industrial to an industrialized economic system.
IT IS GIVEN BY: FrankW. Notestein. Frank Wallace Notestein (August 16, 1902 – February 19, 1983)
The demographic transition theory is a generalized description of the changing pattern of mortality, fertility and growth rates as societies move from one demographic regime to another.
Procter & Gamble Co-A Brief Discussion of P&G.Rizwan Khan
Procter & Gamble Co. also known as P&G, is an American multinational consumer goods company headquartered in downtown Ohio, United States, founded in October 31, 1837 by William Procter and James Gamble, both from the United Kingdom.
P&G announced it was streamlining the company, dropping around 100 brands and concentrating on the remaining 80 brands, which produced 95 percent of the company's profits. P & G serves worldwide (except Cuba and North Korea). It’s slogan is-”Touching lives, improving life”.
P&G’s accomplishments over the past 173 years have come from successfully orchestrating the myriad factors that contribute to market leadership.
At First cake is a very popular trend in food product in Bangladesh because not only as breakfast, cake is also taken by the people at different times for snacks.
That is why we have chosen this as our plan and make a taste fusion about cake and we are hopeful about the marketing plan.
Customer satisfaction Analysis on NCC bank limited.Rizwan Khan
The organization commence its functions in the financial sector of the country as an investment company as named “National Credit & Commercial Bank Limited (NCCBL)” in 1985. For the greater impingement in financial market it coverts as a schedule bank as “National Credit and Commerce Bank Limited” in 1993.
Major Finding
About maximum of the customer rates this services as not satisfactory because of its availability and small array of product range.
Employees are always try to provide service as fast as possible, because Customer is the first priority.
Most of the people from the sample size are quite happy with Bank location of NCC Bank but it is not total satisfaction.
Majority responder are not satisfied with the facilities like ATM or Debit/Credit card.
Most of the responder are satisfied on the NCC bank service. NCC bank employees are firstly think that to provide the customer surety the account.
Financial Analysis of United Commercial Bank Limited(UCBL).Rizwan Khan
United Commercial Bank Limited is one of the traditional banks of Bangladesh. The scope of the study covers the organizational overview and objectives, and Financial analysis of the bank. However, the presentation of the five years at a glance, products and services, total asset position, total liability & shareholder equity and also different analysis & comparison are showed to evaluate the performance of the bank.
A product can be anything that can be offered to the market to satisfy a want or a need.
This article describes the Five Product Levels of Philip Kotler, including examples and a template. After reading you will understand the basics of this powerful product marketing tool. In this article you can also download a free Five Product Levels template.
Migration – the temporary or permanent movement of people from one place to another.
Migration impacts on population change. It is difficult to account for this population change as much migration is illegal and not accounted for. The government often underestimate the number of migrants to help boost support, while the press often overestimate the number of migrants to sell sensational news articles.
Migration is a common phenomenon.The world is shrinking. The world is becoming a global village.Country boundaries and barriers no longer restrict people movement.
Despite some progress in advancing the agenda on aid effectiveness for development results,
trade unions contend that much more needs to be done if the Paris Declaration/Accra agenda for action processes are to move significantly forward in terms of real development effectiveness.
Given the shortcomings of the neo-liberal paradigm that has dominated development policy-making and caused persistent poverty and a huge decent work deficit, trade unions call for a
more comprehensive development paradigm that shifts from aid to development effectiveness.
Development effectiveness is defined by trade unions as the generation of positive social
outcomes in terms of decent work, social protection, social dialogue, respect for human and
trade union rights, gender equality, environmental sustainability, and the enjoyment of decent livelihoods and well being by all. To achieve development effectiveness, trade unions call for the adoption by the Fourth High Level Forum of a Busan Declaration on Development
Effectiveness which should address three major goals:
I) Achieving development effectiveness,
II) Realizing the commitments made on aid effectiveness, and
III) Supporting trade union and CSO’s as development actors in their own right.
The Dove Shampoo Company is the world's leading manufacturer, marketer, and distributor of shampoo, with world headquarters of the Globe Dove Shampoo, the leading brand in the Shampoo segment in Bangladesh, is now being sold in Qatar and Dubai. The Company and its subsidiaries employ nearly 31,000 people around the world. Syrups, concentrates and beverage bases for Dove Shampoo, the Company's flagship brand, and over 230 other Company Shampoo brands are manufactured and sold by the Dove Shampoo Company and its subsidiaries in nearly 200 countries around the world.
To refresh the world…
To inspire moments of optimism…
To create value & make a difference
A healthy lifestyle
More variety, quality, taste and enjoyment
Time, as an increasingly precious commodity.
The ultimate objectives of the business strategy are to increase volume, expand company’s share of worldwide nonalcoholic ready-to-drink beverage sales, maximize company’s long-term cash flows and create economic-value-added by improving economic profit.
Merchandising Activities On Waymart Apparels limited.Rizwan Khan
Buying houses act as intermediary between the foreign buyer and local apparel manufacturer. Buying houses hunt buyers, approach them, send sample of apparel, negotiate price, receives confirmed order after buyer is satisfied with price and quality. Then the buying house contacts local suppliers for production of apparel strictly as per buyer’s specification in exchange of buying house commission.
Bangladesh is a developing country. In this country unemployment problem is slightly overcoming by our garments or apparel sector. A huge number of people are working in this sector. Initially, the situation of this sector is not so good but now a day this sector is earning a lot of foreign currency, around 75%-80% of our total economic growth which is making our economic sector very strong. And merchandisers are those people who are working here day to night in order to develop this sector. Merchandisers’ goal is to collect order, execute, develop the best & supply the best.
It was a great pleasure for me to work in merchandising sector of Waymart apparels ltd which provides me a wide range of scope to observe different function of buying house industry through the cordial assistance of the employees and seniors. All the employees of Waymart apparels ltd tried to give optimum service.
Carriage of goods, in law, the transportation of goods by land, sea, or air. The relevant law governs the rights, responsibilities, liabilities, and immunities of the carrier and of the persons employing the services of the carrier.
One of the greatest problems that the world is facing today is that of environmental pollution, increasing with every passing year and causing grave and irreparable damage to the earth. Environmental pollution consists of five basic types of pollution, namely, air, water, soil, noise and light.
Environmental pollution has existed for centuries but only started to be significant following the industrial revolution in the 19th century. Pollution occurs when the natural environment cannot destroy an element without creating harm or damage to itself. The elements involved are not produced by nature, and the destroying process can vary from a few days to thousands of years (that is, for instance, the case for radioactive pollutants). In other words, pollution takes place when nature does not know how to decompose an element that has been brought to it in an unnatural way.
Competition in Rural Markets-Fake or Real?Rizwan Khan
Daily Milk, Lifebody soap and Fair & Lonely. These are popular brands in the hinterlands of Bangladesh . Don’t they sound familiar to daily brands Dairy Milk, Life Buoy & Fair & Lovely? Well, they not only sound but also look similar to the original brands. These brands are created by manufacturers producing cheap versions of the original brands.
Report on supply chain management of coca cola.Rizwan Khan
A supply chain is a network of manufacturers, suppliers, di
stributors, transporters, storage facilities & retailers that perform functions like procurement & acquisition of material, processing &transformation of the material into intermediate & finished tangible goods, & finally, the physical
distribution of the finished goods to intermediate or final customers.
The Coca-Cola Company is the world's largest beverage company, largest manufacturer, distributor and marketer of non-alcoholic beverage concentrates and syrups in the world and is one of the largest corporations in the United States. The company is best known for its flagship product Coca-Cola, invented by pharmacist John Stith Pemberton in 1886. The Coca-Cola formula and brand was bought in 1889 by Asa Candler who incorporated The Coca-Cola Company in 1892. Besides its namesake Coca-Cola beverage, Coca-Cola currently offers nearly 400 brands in over 200 countries or territories and serves 1.5 billion servings each day.
Coca-Cola is a carbonated soft drink sold in stores, restaurants and vending machines internationally
The company operates a franchised distribution system dating from 1889 where The Coca-Cola Company only produces syrup concentrate which is then sold to various bottlers throughout the world who hold an exclusive territory.
The Coca-Cola Company is headquartered in Atlanta, Georgia. Its stock is listed on the NYSE and is part of DJIA and S&P 500. Its current president and CEO is Muhtar Kent
Marketing important definition for student, fresher & Marketing Executive. Rizwan Khan
Working an entry level marketing job demands good judgment-making, advertising, and communication skills. Thus, in an interview context, expect to be tested on your technical marketing questions, your knowledge on the company, and how you hope to advance in your marketing career in the future.
"Come with a confident and positive attitude and display a strong work ethic."
Internship report-on-marketing-mix-of-Bata-shoe-company- Main part.Rizwan Khan
The purpose of this report is to analysis the marketing mix strategy of Bata Bangladesh. Bata business policy is the segmentation of retail outlets according to allover country. Bata offers a number of product lines to the prospective consumers in the existing market as depend on culture and customer. Bata Shoe Company is the market leader in the footwear industry since its operation in Bangladesh.
RMD24 | Retail media: hoe zet je dit in als je geen AH of Unilever bent? Heid...BBPMedia1
Grote partijen zijn al een tijdje onderweg met retail media. Ondertussen worden in dit domein ook de kansen zichtbaar voor andere spelers in de markt. Maar met die kansen ontstaan ook vragen: Zelf retail media worden of erop adverteren? In welke fase van de funnel past het en hoe integreer je het in een mediaplan? Wat is nu precies het verschil met marketplaces en Programmatic ads? In dit half uur beslechten we de dilemma's en krijg je antwoorden op wanneer het voor jou tijd is om de volgende stap te zetten.
Kseniya Leshchenko: Shared development support service model as the way to ma...Lviv Startup Club
Kseniya Leshchenko: Shared development support service model as the way to make small projects with small budgets profitable for the company (UA)
Kyiv PMDay 2024 Summer
Website – www.pmday.org
Youtube – https://www.youtube.com/startuplviv
FB – https://www.facebook.com/pmdayconference
Tata Group Dials Taiwan for Its Chipmaking Ambition in Gujarat’s DholeraAvirahi City Dholera
The Tata Group, a titan of Indian industry, is making waves with its advanced talks with Taiwanese chipmakers Powerchip Semiconductor Manufacturing Corporation (PSMC) and UMC Group. The goal? Establishing a cutting-edge semiconductor fabrication unit (fab) in Dholera, Gujarat. This isn’t just any project; it’s a potential game changer for India’s chipmaking aspirations and a boon for investors seeking promising residential projects in dholera sir.
Visit : https://www.avirahi.com/blog/tata-group-dials-taiwan-for-its-chipmaking-ambition-in-gujarats-dholera/
Digital Transformation and IT Strategy Toolkit and TemplatesAurelien Domont, MBA
This Digital Transformation and IT Strategy Toolkit was created by ex-McKinsey, Deloitte and BCG Management Consultants, after more than 5,000 hours of work. It is considered the world's best & most comprehensive Digital Transformation and IT Strategy Toolkit. It includes all the Frameworks, Best Practices & Templates required to successfully undertake the Digital Transformation of your organization and define a robust IT Strategy.
Editable Toolkit to help you reuse our content: 700 Powerpoint slides | 35 Excel sheets | 84 minutes of Video training
This PowerPoint presentation is only a small preview of our Toolkits. For more details, visit www.domontconsulting.com
VAT Registration Outlined In UAE: Benefits and Requirementsuae taxgpt
Vat Registration is a legal obligation for businesses meeting the threshold requirement, helping companies avoid fines and ramifications. Contact now!
https://viralsocialtrends.com/vat-registration-outlined-in-uae/
Personal Brand Statement:
As an Army veteran dedicated to lifelong learning, I bring a disciplined, strategic mindset to my pursuits. I am constantly expanding my knowledge to innovate and lead effectively. My journey is driven by a commitment to excellence, and to make a meaningful impact in the world.
3.0 Project 2_ Developing My Brand Identity Kit.pptxtanyjahb
A personal brand exploration presentation summarizes an individual's unique qualities and goals, covering strengths, values, passions, and target audience. It helps individuals understand what makes them stand out, their desired image, and how they aim to achieve it.
Enterprise Excellence is Inclusive Excellence.pdfKaiNexus
Enterprise excellence and inclusive excellence are closely linked, and real-world challenges have shown that both are essential to the success of any organization. To achieve enterprise excellence, organizations must focus on improving their operations and processes while creating an inclusive environment that engages everyone. In this interactive session, the facilitator will highlight commonly established business practices and how they limit our ability to engage everyone every day. More importantly, though, participants will likely gain increased awareness of what we can do differently to maximize enterprise excellence through deliberate inclusion.
What is Enterprise Excellence?
Enterprise Excellence is a holistic approach that's aimed at achieving world-class performance across all aspects of the organization.
What might I learn?
A way to engage all in creating Inclusive Excellence. Lessons from the US military and their parallels to the story of Harry Potter. How belt systems and CI teams can destroy inclusive practices. How leadership language invites people to the party. There are three things leaders can do to engage everyone every day: maximizing psychological safety to create environments where folks learn, contribute, and challenge the status quo.
Who might benefit? Anyone and everyone leading folks from the shop floor to top floor.
Dr. William Harvey is a seasoned Operations Leader with extensive experience in chemical processing, manufacturing, and operations management. At Michelman, he currently oversees multiple sites, leading teams in strategic planning and coaching/practicing continuous improvement. William is set to start his eighth year of teaching at the University of Cincinnati where he teaches marketing, finance, and management. William holds various certifications in change management, quality, leadership, operational excellence, team building, and DiSC, among others.
LA HUG - Video Testimonials with Chynna Morgan - June 2024Lital Barkan
Have you ever heard that user-generated content or video testimonials can take your brand to the next level? We will explore how you can effectively use video testimonials to leverage and boost your sales, content strategy, and increase your CRM data.🤯
We will dig deeper into:
1. How to capture video testimonials that convert from your audience 🎥
2. How to leverage your testimonials to boost your sales 💲
3. How you can capture more CRM data to understand your audience better through video testimonials. 📊
Buy Verified PayPal Account | Buy Google 5 Star Reviewsusawebmarket
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Memorandum Of Association Constitution of Company.pptseri bangash
www.seribangash.com
A Memorandum of Association (MOA) is a legal document that outlines the fundamental principles and objectives upon which a company operates. It serves as the company's charter or constitution and defines the scope of its activities. Here's a detailed note on the MOA:
Contents of Memorandum of Association:
Name Clause: This clause states the name of the company, which should end with words like "Limited" or "Ltd." for a public limited company and "Private Limited" or "Pvt. Ltd." for a private limited company.
https://seribangash.com/article-of-association-is-legal-doc-of-company/
Registered Office Clause: It specifies the location where the company's registered office is situated. This office is where all official communications and notices are sent.
Objective Clause: This clause delineates the main objectives for which the company is formed. It's important to define these objectives clearly, as the company cannot undertake activities beyond those mentioned in this clause.
www.seribangash.com
Liability Clause: It outlines the extent of liability of the company's members. In the case of companies limited by shares, the liability of members is limited to the amount unpaid on their shares. For companies limited by guarantee, members' liability is limited to the amount they undertake to contribute if the company is wound up.
https://seribangash.com/promotors-is-person-conceived-formation-company/
Capital Clause: This clause specifies the authorized capital of the company, i.e., the maximum amount of share capital the company is authorized to issue. It also mentions the division of this capital into shares and their respective nominal value.
Association Clause: It simply states that the subscribers wish to form a company and agree to become members of it, in accordance with the terms of the MOA.
Importance of Memorandum of Association:
Legal Requirement: The MOA is a legal requirement for the formation of a company. It must be filed with the Registrar of Companies during the incorporation process.
Constitutional Document: It serves as the company's constitutional document, defining its scope, powers, and limitations.
Protection of Members: It protects the interests of the company's members by clearly defining the objectives and limiting their liability.
External Communication: It provides clarity to external parties, such as investors, creditors, and regulatory authorities, regarding the company's objectives and powers.
https://seribangash.com/difference-public-and-private-company-law/
Binding Authority: The company and its members are bound by the provisions of the MOA. Any action taken beyond its scope may be considered ultra vires (beyond the powers) of the company and therefore void.
Amendment of MOA:
While the MOA lays down the company's fundamental principles, it is not entirely immutable. It can be amended, but only under specific circumstances and in compliance with legal procedures. Amendments typically require shareholder
Unveiling the Secrets How Does Generative AI Work.pdfSam H
At its core, generative artificial intelligence relies on the concept of generative models, which serve as engines that churn out entirely new data resembling their training data. It is like a sculptor who has studied so many forms found in nature and then uses this knowledge to create sculptures from his imagination that have never been seen before anywhere else. If taken to cyberspace, gans work almost the same way.
2. Presented By
Rizwan Mahbub Khan
ID: 12132101051
Intake: 30th
Program: BBA
Department of Marketing
Bangladesh University of Business and Technology
(BUBT)
4. What is Risk Management ?
In risk management , a firm tries to
minimize the amount of risk and the cost of
that risk.
5. Types of Risk Management
Financial Risk Management : The process of financial risk
management can be defined as minimizing exposure of a firm to market risk
and credit risk using various financial instruments.
Market Risk Management : Enterprises need to understand the
risks present in the market , inherent to the industry or arising out of
competition. Enterprise need to properly assess it and develop their capabilities .
Technology Risk Management : It is the process of
managing the risks associated.
6. Types of Risk Management
Credit Risk Management : Managing credit risk is one of
the fundamental work of the financial institution. Credit portfolio
management is largely becoming essential for the enterprise to keep
track of risk.
Commodity Risk Management :It Handles different
types of commodity risks, such as price risk, political risk, quantity risk and
cost risk.
Bank Risk Management : It Deals with the handling of
different types of risks faced by the banks , for example, market risk,
credit risk, liquidity risk, legal risk, operational risk and reputational
risk.
7. Advantages of Risk Management
Risks are sorted by their financial impact, assets by their
financial value.
Data accuracy improves as the organization gains
experience.
Management performance can be closely watched.
Security level is better determined based on the three
elements: availability, integrity and confidentiality.
This approach makes easier to understand and
observe the level of risk.
The most important areas of risk are evaluated.
8. Disadvantages of Risk Management
The methods of calculation are complex.
The Risk Management process handles a long time and the process
is very complex reduce this problem.
Without financial tools the process can be really difficult to solve this
problem .
The performance of risk management are hard to follow because of
their subjectivity.
The evaluation of risk and its result are uncertain.
9. What is Insurance Business ?
Insurance is a written contract , taken with the insuring
company , that transfers the risk of loss to the insurer
according to the terms of the contract.
Right now in Bangladesh all insurance company are
following the act of 1938.
In Bangladesh insurance companies are controlled by IDRA
(Insurance Development & Regulatory Authority).
10. History of Insurance in Bangladesh
Bangladesh Insurance business increased for the
duration of 1947-1971, when there are 49 insurance
companies operate their business both life and general
insurance.
After liberation war in 1972 The People's Republic
Government of Bangladesh nationalized the insurance
industry along with the banks in 1972 by Presidential
Order No. 95
11. Different types of Insurance Business
1. Life insurance : It is a contract between an insurance policy
holder and an insurer , where the insurer promises to pay a designated
beneficiary a sum of money in exchange of a premium , upon the death of
and insured person.
12. Different types of Insurance Business
2. Property insurance : it provides protection against most risks
to property , such as fire ,theft and some weather damage .
13. Different types of Insurance Business
3. Motor insurance : A motor insurance policy is mandatory
policy issued by an insurance company as a part of prevention of public
liability.
14. Different types of Insurance Business
Fire insurance : Fire insurance is insurance that is used to cover
damage to a property caused by fire .
15. Different types of Insurance Business
Heath insurance : Health insurance is a type of insurance
coverage that for medical and surgical expenses that are incurred by that
insured .
16. Different types of Insurance Business
Marine insurance : covers the loss or damage of ships, cargo,
terminals, and any transport or cargo by which property is transferred,
acquired, or held between the points of origin and final destination.
17. Problems of insurance business
Less public awareness : A large number of people are left
from the insurance coverage. They don’t have the minimum idea about
insurance and the benefits from the insurance policy.
Centralization : Most the insurance company are located in urban
areas. They don’t think that a large number of people also lived in rural
areas.
Lack of qualified officials : Insurance company performing their
business by their marketing agent. But sometimes they are unable to
convince their customer because the lack of proper training.
18. Problems of Insurance Business
Too much complexity : To taken policy there bare a huge4
number of rules and regulations. This huge types of rules and regulations
makes feeling irritate the customer.
Insufficient service : right now in Bangladesh the insurance
company are failed to provide better service to the mass people. That’s
why the customer losing their interest from insurance business.
Lack of information technology : Some insurance company
don’t have their personal email or web address that’s why the customer
can’t collect their proper information.