El documento presenta cinco herramientas tecnológicas (blog, Educaplay, videoconferencia Skype, Facebook e Internet) que pueden utilizarse en el proceso de enseñanza-aprendizaje para elaborar mapas conceptuales sobre lectura valorativa. Cada herramienta incluye un tema, objetivo, y descripción de cómo será utilizada por el docente y los alumnos.
Dreamers Career Academy is a nonprofit organization that provides career-focused programming primarily to middle school students from low-income households. Its mission is to promote excellence, exploration, and experience through interest alignment, defined career goals, and leadership development. It offers Saturday workshops at several middle schools and aims to expand its programming through a summer camp, after-school programs, and eventually opening its own facility.
Creating attractive and sustainable sponsorshipswalescva
This document discusses how to create attractive and sustainable sponsorships. It emphasizes understanding the sponsor's objectives and tailoring sponsorship packages to fit those objectives. Research is key to identifying potential sponsors and opportunities for synergy between the sponsor's audience and the sponsored property's audience. Successful sponsorship proposals are bespoke and focused on demonstrating value to the sponsor through audience reach, marketing assets, and measurable returns. Ongoing relationship management is also important to refine packages based on feedback and continuously demonstrate value over time.
Maryla Soluch wyróżniona w konkursie EDUinspiracje / Grundtvig za udział w projektach "Aurora Polaris" oraz "Unlocking the Universe" organizowanych przez Olsztyńskie Planetarium i Obserwatorium Astronomiczne
This document is a resume for Alen Lonic. It summarizes his experience as an IT Operations Manager at ProHealthcare in Lake Success, NY, and prior roles including Systems Engineer at Citigroup in New York City and Network Security Analyst at Time Warner Cable in Jamaica, NY. The resume highlights his over 15 years of experience in IT operations management, project management, help desk support, network administration, server maintenance, and technical support. It also lists his areas of expertise, education including an Associate's degree in Information Technology and MCSE certification, and contact information.
This document provides information about the Sarcina Club Department of Microbiology from 2013-2014. It discusses several topics in microbiology including environmental microbiology, water microbiology, bacteria and viruses that can cause waterborne diseases, methods for examining microorganisms in water, and industrial microbiology. The history of industrial microbiology is divided into five periods focused on alcohol fermentation, antibiotic production, single-cell protein, metabolite production, and modern biotechnology.
Better understand your suppliers, customers, employees and vendors to reduce risk, raise productivity, increase profitability and improve decision-making.
PIP Red Paper: How one health scare became news across EuropeLexisNexis Benelux
The document summarizes the spread of media coverage of the Poly Implant Prothese (PIP) breast implant scandal across several European countries from 2011-2012. It found that coverage initially emerged in France in late 2011 following the death of a woman with PIP implants. Coverage then spread to other countries and peaked in January 2012 when claims surfaced about the chemical composition of the implants. Broadsheet newspapers like Le Figaro and The Daily Telegraph had the most prominent coverage. The scandal remained in the news throughout 2012 as updates were reported.
El documento presenta cinco herramientas tecnológicas (blog, Educaplay, videoconferencia Skype, Facebook e Internet) que pueden utilizarse en el proceso de enseñanza-aprendizaje para elaborar mapas conceptuales sobre lectura valorativa. Cada herramienta incluye un tema, objetivo, y descripción de cómo será utilizada por el docente y los alumnos.
Dreamers Career Academy is a nonprofit organization that provides career-focused programming primarily to middle school students from low-income households. Its mission is to promote excellence, exploration, and experience through interest alignment, defined career goals, and leadership development. It offers Saturday workshops at several middle schools and aims to expand its programming through a summer camp, after-school programs, and eventually opening its own facility.
Creating attractive and sustainable sponsorshipswalescva
This document discusses how to create attractive and sustainable sponsorships. It emphasizes understanding the sponsor's objectives and tailoring sponsorship packages to fit those objectives. Research is key to identifying potential sponsors and opportunities for synergy between the sponsor's audience and the sponsored property's audience. Successful sponsorship proposals are bespoke and focused on demonstrating value to the sponsor through audience reach, marketing assets, and measurable returns. Ongoing relationship management is also important to refine packages based on feedback and continuously demonstrate value over time.
Maryla Soluch wyróżniona w konkursie EDUinspiracje / Grundtvig za udział w projektach "Aurora Polaris" oraz "Unlocking the Universe" organizowanych przez Olsztyńskie Planetarium i Obserwatorium Astronomiczne
This document is a resume for Alen Lonic. It summarizes his experience as an IT Operations Manager at ProHealthcare in Lake Success, NY, and prior roles including Systems Engineer at Citigroup in New York City and Network Security Analyst at Time Warner Cable in Jamaica, NY. The resume highlights his over 15 years of experience in IT operations management, project management, help desk support, network administration, server maintenance, and technical support. It also lists his areas of expertise, education including an Associate's degree in Information Technology and MCSE certification, and contact information.
This document provides information about the Sarcina Club Department of Microbiology from 2013-2014. It discusses several topics in microbiology including environmental microbiology, water microbiology, bacteria and viruses that can cause waterborne diseases, methods for examining microorganisms in water, and industrial microbiology. The history of industrial microbiology is divided into five periods focused on alcohol fermentation, antibiotic production, single-cell protein, metabolite production, and modern biotechnology.
Better understand your suppliers, customers, employees and vendors to reduce risk, raise productivity, increase profitability and improve decision-making.
PIP Red Paper: How one health scare became news across EuropeLexisNexis Benelux
The document summarizes the spread of media coverage of the Poly Implant Prothese (PIP) breast implant scandal across several European countries from 2011-2012. It found that coverage initially emerged in France in late 2011 following the death of a woman with PIP implants. Coverage then spread to other countries and peaked in January 2012 when claims surfaced about the chemical composition of the implants. Broadsheet newspapers like Le Figaro and The Daily Telegraph had the most prominent coverage. The scandal remained in the news throughout 2012 as updates were reported.
Product review Nexis. a comprehensive global business information research tool, providing access to thousands of sources via one single interface. Content includes business and financial news; company, biographical and industry intelligence; trade journal and market research materials; legal and regulatory records; and social
media content. It is aimed at anyone with an information need whether they’re a professional researcher or a casual user.
Intro To Web and Web Services (REST Series 01)Heartin Jacob
This is the first session for REST web services course. You may skip this session if you already know HTTP and Servlets, and also if you don’t want to learn anything about SOAP. However, learning about HTTP and Servlets are essential for working with REST web services. Also, a basic idea of SOAP will always be good to understand the benefits of REST better and also to take a decision on whether you need to learn SOAP more in depth.
Whitepaper: DNB Guidance on the Anti-Money Laundering and Counter-Terrorist F...LexisNexis Benelux
DNB has published updated guidance on the Anti-Money Laundering and Counter-Terrorist Financing Act and the Sanctions Act. The guidance reflects recent changes to regulations and focuses on customer due diligence and reporting of suspicious transactions. It recommends that financial institutions adopt a risk-based approach to compliance, which includes assessing risks from customers, products/services, and geographic regions. It provides examples of risk indicators that institutions should consider in their risk assessments and customer due diligence policies and procedures.
LexisNexis Presentatie: Van mediamonitoring naar media intelligence: het geïn...LexisNexis Benelux
Veel organisaties worstelen met de vraag hoe zij de essentie kunnen halen uit de almaar toenemende stroom nieuws- en social mediaberichten.
In deze webinar geeft LexisNexis haar visie op de toekomst van mediamonitoring aan de hand van de newsroom van het Ministerie van Buitenlandse Zaken. Deze newsroom is de fysieke plek in de organisatie voor monitoring, analyse en interpretatie van interne en externe nieuwsbronnen én voor interactie met de buitenwereld.
The Bribery Act 2010 gained Royal Assent on 8 April 2010 and represents the most significant change in the UK government’s approach to tackling bribery and corruption for over 100 years. The Bribery Act 2010 replaces outdated legislation, bringing the UK in line with the OECD AntiBribery Convention and aims to make the UK a better place for conducting business.
The primary focus for companies is the new offence of failure by a commercial organisation to prevent bribery. All offences carry a maximum prison sentence of 10 years, with the exception of the offence relating to failure to prevent bribery, which carries an unlimited fine.
Where a director is convicted of bribery, they may also be disqualified from holding a director position for up to 15 years
Studie: The Past, Present and Future of Information ManagementLexisNexis Benelux
Internationaal onderzoek over het verleden, heden en de toekomst van #informatiemanagement.
Het vakgebied ondergaat veranderingen door technologische ontwikkelingen, toename in informatie, big data en sociale netwerken. De rol van de #informatiemanager verandert daardoor.
Deze whitepaper gebaseerd op interviews met senior informatiespecialisten, gecombineerd met Europees onderzoek onder meer dan 500 mensen uit het informatievak.
This report examines the link between chocolate and human trafficking by analyzing media coverage on the topic. It finds that while over 850,000 news articles are added to databases weekly, only around 750 relate to human trafficking and just 3 relate to trafficking in the cocoa supply chain. The report provides background on cocoa production, defining key terms. It discusses estimates that over 1 million children work in cocoa farms in West Africa, with some victims of human trafficking. The report also outlines peaks in media coverage relating to popular chocolate buying occasions and implications for supply chain professionals in managing reputational risks.
Development finance impact project – digital artifactHymns Chu
Africa is experiencing strong economic growth but energy demands are outpacing supply. This is creating energy insecurity across the continent. Commercial banks rarely invest in African renewable energy projects and local financing has short tenors that don't support long-term projects. There is also no single regulatory framework to streamline licensing. Possible recommendations include enabling smaller projects, creating incentives for new technologies, and relaxing import barriers to promote domestic production of renewable components. Both public and private sector financing will be needed to address Africa's large energy needs.
The document describes Lexis Diligence, a service that allows companies to conduct enhanced due diligence checks on customers in-house. It provides access to multiple data sources and tools to screen companies and individuals, check sanctions lists, analyze news coverage and legal histories. This helps streamline customer onboarding processes while ensuring compliance and mitigating risks to an organization's reputation and of regulatory fines.
Solid Principles Of Design (Design Series 01)Heartin Jacob
Learn about the solid principles of design along with some additional useful principles and practices and also few important considerations to avoid in your design. Introduction is also provided to the Design Patterns. This is usually taken as a hands on session with design and refactoring exercises.
Este documento contiene varios artículos de una ley que regulan el ejercicio de las profesiones de ingeniería en Venezuela. Define el ejercicio profesional y establece que los documentos técnicos son propiedad de su autor. Detalla infracciones como el ejercicio ilegal de la profesión y establece sanciones penales como multas o arresto para quienes incurran en estas. También describe sanciones disciplinarias para profesionales colegiados aplicadas por el tribunal disciplinario del colegio, como amonestaciones o suspensión temporal.
Aim of this presentation is not to make you masters in Java 8 Concurrency, but to help you guide towards that goal. Sometimes it helps just to know that there is some API that might be suitable for a particular situation. Make use of the pointers given to search more and learn more on those topics. Refer to books, Java API Documentation, Blogs etc. to learn more. Examples and demos for all cases discussed will be added to my blog www.javajee.com.
Industrial Tech SW: Category Renewal and CreationChristian Dahlen
Every industrial revolution has created a new set of categories and a new set of players.
Multiple new technologies have emerged, but Samsara and C3.ai are only two companies which have gone public so far.
Manufacturing startups constitute the largest pipeline share of unicorns and IPO candidates in the SF Bay Area, and software startups dominate in Germany.
Navigating the world of forex trading can be challenging, especially for beginners. To help you make an informed decision, we have comprehensively compared the best forex brokers in India for 2024. This article, reviewed by Top Forex Brokers Review, will cover featured award winners, the best forex brokers, featured offers, the best copy trading platforms, the best forex brokers for beginners, the best MetaTrader brokers, and recently updated reviews. We will focus on FP Markets, Black Bull, EightCap, IC Markets, and Octa.
𝐔𝐧𝐯𝐞𝐢𝐥 𝐭𝐡𝐞 𝐅𝐮𝐭𝐮𝐫𝐞 𝐨𝐟 𝐄𝐧𝐞𝐫𝐠𝐲 𝐄𝐟𝐟𝐢𝐜𝐢𝐞𝐧𝐜𝐲 𝐰𝐢𝐭𝐡 𝐍𝐄𝐖𝐍𝐓𝐈𝐃𝐄’𝐬 𝐋𝐚𝐭𝐞𝐬𝐭 𝐎𝐟𝐟𝐞𝐫𝐢𝐧𝐠𝐬
Explore the details in our newly released product manual, which showcases NEWNTIDE's advanced heat pump technologies. Delve into our energy-efficient and eco-friendly solutions tailored for diverse global markets.
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.
Call8328958814 satta matka Kalyan result satta guessing➑➌➋➑➒➎➑➑➊➍
Satta Matka Kalyan Main Mumbai Fastest Results
Satta Matka ❋ Sattamatka ❋ New Mumbai Ratan Satta Matka ❋ Fast Matka ❋ Milan Market ❋ Kalyan Matka Results ❋ Satta Game ❋ Matka Game ❋ Satta Matka ❋ Kalyan Satta Matka ❋ Mumbai Main ❋ Online Matka Results ❋ Satta Matka Tips ❋ Milan Chart ❋ Satta Matka Boss❋ New Star Day ❋ Satta King ❋ Live Satta Matka Results ❋ Satta Matka Company ❋ Indian Matka ❋ Satta Matka 143❋ Kalyan Night Matka..
Product review Nexis. a comprehensive global business information research tool, providing access to thousands of sources via one single interface. Content includes business and financial news; company, biographical and industry intelligence; trade journal and market research materials; legal and regulatory records; and social
media content. It is aimed at anyone with an information need whether they’re a professional researcher or a casual user.
Intro To Web and Web Services (REST Series 01)Heartin Jacob
This is the first session for REST web services course. You may skip this session if you already know HTTP and Servlets, and also if you don’t want to learn anything about SOAP. However, learning about HTTP and Servlets are essential for working with REST web services. Also, a basic idea of SOAP will always be good to understand the benefits of REST better and also to take a decision on whether you need to learn SOAP more in depth.
Whitepaper: DNB Guidance on the Anti-Money Laundering and Counter-Terrorist F...LexisNexis Benelux
DNB has published updated guidance on the Anti-Money Laundering and Counter-Terrorist Financing Act and the Sanctions Act. The guidance reflects recent changes to regulations and focuses on customer due diligence and reporting of suspicious transactions. It recommends that financial institutions adopt a risk-based approach to compliance, which includes assessing risks from customers, products/services, and geographic regions. It provides examples of risk indicators that institutions should consider in their risk assessments and customer due diligence policies and procedures.
LexisNexis Presentatie: Van mediamonitoring naar media intelligence: het geïn...LexisNexis Benelux
Veel organisaties worstelen met de vraag hoe zij de essentie kunnen halen uit de almaar toenemende stroom nieuws- en social mediaberichten.
In deze webinar geeft LexisNexis haar visie op de toekomst van mediamonitoring aan de hand van de newsroom van het Ministerie van Buitenlandse Zaken. Deze newsroom is de fysieke plek in de organisatie voor monitoring, analyse en interpretatie van interne en externe nieuwsbronnen én voor interactie met de buitenwereld.
The Bribery Act 2010 gained Royal Assent on 8 April 2010 and represents the most significant change in the UK government’s approach to tackling bribery and corruption for over 100 years. The Bribery Act 2010 replaces outdated legislation, bringing the UK in line with the OECD AntiBribery Convention and aims to make the UK a better place for conducting business.
The primary focus for companies is the new offence of failure by a commercial organisation to prevent bribery. All offences carry a maximum prison sentence of 10 years, with the exception of the offence relating to failure to prevent bribery, which carries an unlimited fine.
Where a director is convicted of bribery, they may also be disqualified from holding a director position for up to 15 years
Studie: The Past, Present and Future of Information ManagementLexisNexis Benelux
Internationaal onderzoek over het verleden, heden en de toekomst van #informatiemanagement.
Het vakgebied ondergaat veranderingen door technologische ontwikkelingen, toename in informatie, big data en sociale netwerken. De rol van de #informatiemanager verandert daardoor.
Deze whitepaper gebaseerd op interviews met senior informatiespecialisten, gecombineerd met Europees onderzoek onder meer dan 500 mensen uit het informatievak.
This report examines the link between chocolate and human trafficking by analyzing media coverage on the topic. It finds that while over 850,000 news articles are added to databases weekly, only around 750 relate to human trafficking and just 3 relate to trafficking in the cocoa supply chain. The report provides background on cocoa production, defining key terms. It discusses estimates that over 1 million children work in cocoa farms in West Africa, with some victims of human trafficking. The report also outlines peaks in media coverage relating to popular chocolate buying occasions and implications for supply chain professionals in managing reputational risks.
Development finance impact project – digital artifactHymns Chu
Africa is experiencing strong economic growth but energy demands are outpacing supply. This is creating energy insecurity across the continent. Commercial banks rarely invest in African renewable energy projects and local financing has short tenors that don't support long-term projects. There is also no single regulatory framework to streamline licensing. Possible recommendations include enabling smaller projects, creating incentives for new technologies, and relaxing import barriers to promote domestic production of renewable components. Both public and private sector financing will be needed to address Africa's large energy needs.
The document describes Lexis Diligence, a service that allows companies to conduct enhanced due diligence checks on customers in-house. It provides access to multiple data sources and tools to screen companies and individuals, check sanctions lists, analyze news coverage and legal histories. This helps streamline customer onboarding processes while ensuring compliance and mitigating risks to an organization's reputation and of regulatory fines.
Solid Principles Of Design (Design Series 01)Heartin Jacob
Learn about the solid principles of design along with some additional useful principles and practices and also few important considerations to avoid in your design. Introduction is also provided to the Design Patterns. This is usually taken as a hands on session with design and refactoring exercises.
Este documento contiene varios artículos de una ley que regulan el ejercicio de las profesiones de ingeniería en Venezuela. Define el ejercicio profesional y establece que los documentos técnicos son propiedad de su autor. Detalla infracciones como el ejercicio ilegal de la profesión y establece sanciones penales como multas o arresto para quienes incurran en estas. También describe sanciones disciplinarias para profesionales colegiados aplicadas por el tribunal disciplinario del colegio, como amonestaciones o suspensión temporal.
Aim of this presentation is not to make you masters in Java 8 Concurrency, but to help you guide towards that goal. Sometimes it helps just to know that there is some API that might be suitable for a particular situation. Make use of the pointers given to search more and learn more on those topics. Refer to books, Java API Documentation, Blogs etc. to learn more. Examples and demos for all cases discussed will be added to my blog www.javajee.com.
Industrial Tech SW: Category Renewal and CreationChristian Dahlen
Every industrial revolution has created a new set of categories and a new set of players.
Multiple new technologies have emerged, but Samsara and C3.ai are only two companies which have gone public so far.
Manufacturing startups constitute the largest pipeline share of unicorns and IPO candidates in the SF Bay Area, and software startups dominate in Germany.
Navigating the world of forex trading can be challenging, especially for beginners. To help you make an informed decision, we have comprehensively compared the best forex brokers in India for 2024. This article, reviewed by Top Forex Brokers Review, will cover featured award winners, the best forex brokers, featured offers, the best copy trading platforms, the best forex brokers for beginners, the best MetaTrader brokers, and recently updated reviews. We will focus on FP Markets, Black Bull, EightCap, IC Markets, and Octa.
𝐔𝐧𝐯𝐞𝐢𝐥 𝐭𝐡𝐞 𝐅𝐮𝐭𝐮𝐫𝐞 𝐨𝐟 𝐄𝐧𝐞𝐫𝐠𝐲 𝐄𝐟𝐟𝐢𝐜𝐢𝐞𝐧𝐜𝐲 𝐰𝐢𝐭𝐡 𝐍𝐄𝐖𝐍𝐓𝐈𝐃𝐄’𝐬 𝐋𝐚𝐭𝐞𝐬𝐭 𝐎𝐟𝐟𝐞𝐫𝐢𝐧𝐠𝐬
Explore the details in our newly released product manual, which showcases NEWNTIDE's advanced heat pump technologies. Delve into our energy-efficient and eco-friendly solutions tailored for diverse global markets.
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.
Call8328958814 satta matka Kalyan result satta guessing➑➌➋➑➒➎➑➑➊➍
Satta Matka Kalyan Main Mumbai Fastest Results
Satta Matka ❋ Sattamatka ❋ New Mumbai Ratan Satta Matka ❋ Fast Matka ❋ Milan Market ❋ Kalyan Matka Results ❋ Satta Game ❋ Matka Game ❋ Satta Matka ❋ Kalyan Satta Matka ❋ Mumbai Main ❋ Online Matka Results ❋ Satta Matka Tips ❋ Milan Chart ❋ Satta Matka Boss❋ New Star Day ❋ Satta King ❋ Live Satta Matka Results ❋ Satta Matka Company ❋ Indian Matka ❋ Satta Matka 143❋ Kalyan Night Matka..
Presentation by Herman Kienhuis (Curiosity VC) on Investing in AI for ABS Alu...Herman Kienhuis
Presentation by Herman Kienhuis (Curiosity VC) on developments in AI, the venture capital investment landscape and Curiosity VC's approach to investing, at the alumni event of Amsterdam Business School (University of Amsterdam) on June 13, 2024 in Amsterdam.
Storytelling is an incredibly valuable tool to share data and information. To get the most impact from stories there are a number of key ingredients. These are based on science and human nature. Using these elements in a story you can deliver information impactfully, ensure action and drive change.
Profiles of Iconic Fashion Personalities.pdfTTop Threads
The fashion industry is dynamic and ever-changing, continuously sculpted by trailblazing visionaries who challenge norms and redefine beauty. This document delves into the profiles of some of the most iconic fashion personalities whose impact has left a lasting impression on the industry. From timeless designers to modern-day influencers, each individual has uniquely woven their thread into the rich fabric of fashion history, contributing to its ongoing evolution.
How are Lilac French Bulldogs Beauty Charming the World and Capturing Hearts....Lacey Max
“After being the most listed dog breed in the United States for 31
years in a row, the Labrador Retriever has dropped to second place
in the American Kennel Club's annual survey of the country's most
popular canines. The French Bulldog is the new top dog in the
United States as of 2022. The stylish puppy has ascended the
rankings in rapid time despite having health concerns and limited
color choices.”
Discover timeless style with the 2022 Vintage Roman Numerals Men's Ring. Crafted from premium stainless steel, this 6mm wide ring embodies elegance and durability. Perfect as a gift, it seamlessly blends classic Roman numeral detailing with modern sophistication, making it an ideal accessory for any occasion.
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Dive into this presentation and learn about the ways in which you can buy an engagement ring. This guide will help you choose the perfect engagement rings for women.
Garments ERP Software in Bangladesh _ Pridesys IT Ltd.pdfPridesys IT Ltd.
Pridesys Garments ERP is one of the leading ERP solution provider, especially for Garments industries which is integrated with
different modules that cover all the aspects of your Garments Business. This solution supports multi-currency and multi-location
based operations. It aims at keeping track of all the activities including receiving an order from buyer, costing of order, resource
planning, procurement of raw materials, production management, inventory management, import-export process, order
reconciliation process etc. It’s also integrated with other modules of Pridesys ERP including finance, accounts, HR, supply-chain etc.
With this automated solution you can easily track your business activities and entire operations of your garments manufacturing
proces
Garments ERP Software in Bangladesh _ Pridesys IT Ltd.pdf
Whitepaper: Leveraging Market Intelligence to Better Manage Supply Chain Risk
1. It’s time to really see
your supply chain.
Leveraging Market Intelligence to Better Manage Supply Chain Risk
A LexisNexis® White Paper
Overview
Supply management professionals at companies
in a wide range of industries are increasingly facing
the daunting challenge of improving compliance and
proper certifications of suppliers throughout their
supply chain with the need to reduce costs. It’s a
vexing dilemma and, unfortunately, one that can
often lead to supply chain disruptions when a problem
flares up with a key supplier that was cutting too
many corners, out of compliance with safety
regulations or suddenly shut down because they
couldn’t make payroll.
The good news is there are emerging business
information tools now available to supply management
professionals that can help them closely monitor their
key suppliers and create an “early warning” system
for potential supplier risks. This information allows
businesses to better anticipate and manage risks to
the supply chain, reducing the chance they will suffer
business disruption, legal consequences or damages
to their brand caused by a lack of visibility into
supplier risk.
Risks to the Supply Chain
For companies in virtually any industry that requires
the manufacturing of goods, supply chains are the
lifeblood to economic success. In recent years,
supply chains have become more complex and
larger as the drive for efficiency has led to increased
outsourcing, sub-contracting and the search for lowercost providers. At the same time, companies are
increasingly being expected to manage these suppliers
in light of rising security threats, safety requirements,
financial vulnerabilities and other compliance matters
that could affect their operations. When you tack on
to that daunting challenge the inevitable threats of
natural disasters and extreme weather, it becomes
clear that supply chain risk is higher than ever before.
Supply management and procurement professionals
saw a pair of graphic examples of this level of risk in late2012. In September, a fire broke out at an apparel factory
complex in Karachi, Pakistan, tragically killing more than
300 workers—many of whom died because exit doors
from the shop floor were either inaccessible or padlocked,
blocking their escape routes. Officials at Western
companies were stunned when they learned that, just one
month before the tragedy, this same factory complex had
received a prestigious certification awarded by a global
non-profit organization. This certification—SA8000—is the
benchmark used by supply management professionals
at many Western companies as confirmation that their
overseas suppliers are in compliance with international
standards in a wide range of areas including health, safety,
child labor and minimum wages.1
Then in November, 2012, a similar fire erupted at
an apparel factory in Bangladesh, tragically killing
112 workers—again, many of whom were unable to
escape due to locked doors and windows. Journalists
on the scene who were literally sifting through ashes
and charred clothing labels identified a number of
prominent customers being supplied by that factory.
Supply management officials at those companies were
surprised on many levels, but the most stunning was
the discovery that the Bangladesh factory was even
manufacturing clothing for distribution in their stores.
Two prominent U.S. retailers caught up in the story
—
Walmart and Sears—later reported that the factory
was not on their approved lists of apparel sources,
but authorized suppliers had apparently outsourced
the work in an attempt to reduce costs.1 In April 2013,
Walmart said it was responding by donating $1.6 million
to the Institute for Sustainable Communities (ISC)
to help set up an Environmental, Health and Safety
Academy in Bangladesh to train both workers and
managers, and that it has engaged Bureau Veritas, a
European testing and inspection company, to assess
factories and train workers on its behalf in Bangladesh.2
2. Of course, supply chain risk isn’t always as tragic and
is rarely as high-profile in nature. Virtually every day,
there is at least one supplier for any given company
that is dealing with a threat to their business. More
common and less publicized examples include a
power outage, labor unrest, cyber crime, local political
scandal or bank finance problem. These types of
potential supplier problems can fly under the radar of
most supply management professionals, but can lead
to major business issues that ultimately flare up into
supply chain disruption, legal issues or damages to
their reputation. By that time, it’s too late to prevent
the damage to the company.
Potential Impact on the Business
The potential impact of supply chain problems
is serious and measurable. In 2012, a team from
Accenture Management Consulting3 worked with the
World Economic Forum to explore key actions for
developing dynamic supply chains by building agile,
transparent and diversified systems. Their research
found that significant supply chain disruptions
reduce the share price of the affected company by
as much as seven percent, on average. Moreover,
a study published in 2012 by Harvard Business
School®4 confirms that supply chain disruptions can
have a material effect on company value. Given this
reality, it’s no surprise that 80 percent of companies
worldwide see better protection of their supply chains
as a priority, according to the Accenture research.
Unfortunately, this challenge of better supply chain risk
management is complicated by the fact that modern
supply chains are now truly global in their scope and
far more complex in their nature. The patchwork of
international, national and local regulatory and reporting
requirements makes it more difficult to fully assess the
risks associated with the failure of any single supplier,
but the reality is that these vulnerabilities must be
identified if they are going to be managed. The sudden
closure of a supplier that was presumed to be subject
to local government inspection and monitoring is no
less disruptive to the corporate supply chain than a
supplier known to have potential problems that had
already landed them on a global watch list.
In fact, those suppliers that are further removed
from the company’s immediate major suppliers pose
a major supply chain risk. A survey by the Business
Continuity Institute5 found almost 40 percent of
reported supply chain disruptions originated with
“Tier 2” and “Tier 3” suppliers. The lesson is that
supply chain problems can come from virtually any
supplier in the world at any time.
Emerging Technology Tools to Mitigate
Supply Chain Risk
These are clearly significant challenges with serious
potential business implications, but the good news is
that there is a new generation of tools in the market to
help supply management professionals better mitigate
risks to their supply chains. At the forefront of these
new tools are emerging business information solutions
that provide timely insight into potential problems at
specific suppliers.
Of course, the idea of monitoring suppliers with
business information services is not new. Traditional
sources of information used to monitor supply chain
risks include financial scores, background reports
and, in the past decade or so, occasional Google™
searches. While these methods still have value, they
are no longer sufficient on their own because they are
unable to uncover potential supplier business issues in
near “real time” and while they’re still in their infancy.
What is needed now is visibility into news and
information reported about suppliers in third-party
news media sources. This information can be used to
identify potential areas of concern with an individual
supplier before one of them flares up into a serious
supply chain disruption. For example, supplier
intelligence can identify risk factors such as legal
problems, compliance issues or government sanctions.
One recent study by LexisNexis6 sought to determine
whether this kind of market intelligence could be helpful
in identifying early warning indicators of a company
potentially headed for bankruptcy. The study looked at
23 failed companies and analyzed more than 90,000
news articles written about the companies in the run
up to bankruptcy. The conclusion was that market
intelligence was able to identify early warning signs
of risk—such as news stories mentioning insolvency,
bankruptcy, liquidation, dismissals or profit warnings—
in more than 80 percent of the sample companies
researched. In more than half of the companies
researched, the early warning signs were either “strong”
or “very strong” and warning signs could be clearly
seen six months before companies reached bankruptcy,
with the signs becoming more pronounced the closer
the companies got to failure. Notably, these early warning
signs of risk were not present in healthy companies.
This is serious business. While financial scores can be
helpful in making quick decisions about suppliers and
their financial health, financial scores are, by nature,
retrospective. By the time a company has stopped paying
their bills and their financial score has changed, it’s often