Chotacredit Case Study Essay

Starting a business can be an exciting time for an entrepreneur but new market concepts and opportunities are useless without the strategies to operate the company to success. Day to day strategies are needed to achieve the organizations goals. The largest expense of any company is usually the compensation strategy. The face of the retail company is the service staff and their relation to the customer are paramount to success. Firms are in competition to find qualified, engaged employees. The pressure for an organization to get it right is the key to competitive success. Companies now look to creative compensation strategies to create a environment that employees want to

The sampling method used in this research is a convenience sample, a nonprobability based sampling method. The sample respondents were heads of the household with the

    Women in developing countries take out loans to start businesses and make money. Women struggling to make money take out these loans start a business to make money and pay off the debt from taking the loan. They are able to further support their family along with themselves as the debt is paid off and the business makes more money. Individuals living in poverty filled communities rely on informal employment to make money. Micro-credits have been directed more towards women because they invest money in goods and services. They do not need to depend on their husband for money when they have their own business to make money. When women take out loans to start their businesses they get stronger and get independence from their husband. When women invest in good and give services they help their family and themselves in an effective way. This could benefit women in poverty towards coming out of poverty.

Studies discovered that the fastest growing type of family structure that contributes to the poverty of women is a family headed by a woman (Vincent; 2005). Such families come about by ways of dissolution of marriage, death of partner or husband, or by choice. According to this same study, a national research done in the United States in 1998 showed, 9% of white families, 17% of Hispanic families, and 43% of all black families were headed by women (Short; 2011). The absence of a male figure in the household causes high risks of poverty for women-headed families due to lack of income and resources. “Lone-mothers” or “FHH’s” (Female-headed Households) are seen to face more struggles in terms of resources as opposed to families with male headships. FHH’s are more susceptible to poverty because of their incapacity to provide due to lacking opportunities. For female headships with children was 40.9% of 11.8% of poor families in 2011 (Short; 2011). Poor young women, specifically minority women, are more likely to become FHH’s. These women also face difficulties in the job market and seeking employment because of incompletion to education. Thus, they end up acquiring poorly-paid jobs without benefits failing to provide for the household, especially their

In both developing and emerging economies, microfinance has vastly and increasingly been seen as one of the most important means for enhancing the lives of the poor and therefore a major tool for economic and social development mostly in rural areas. Lately, contrary to this widespread belief, critics have raised eyebrows against this growing popularity of microfinance as a major tool for enhancing economic development. Contrary to belief, they are of the opinion that microfinance is a ‘make-belief’ that is hindering economic and social development rather than enhancing it.

269). There is no easy way for those with little money to begin earning interest on savings or obtain loans with reasonable interest rates: the banking community is failing the poorest people (Banerjee & Duflo, 2012, p. 269). Also, Banerjee and Duflo (2012) assert that medical and agricultural insurance are not favored by the poor in spite of the fact that they could benefit greatly from such products (269). Their proposed solutions come in the form of microcredit (to provide access to more reasonable loans), electronic money transfer systems (to reduce the fixed costs of saving), and rewarding people for making good financial decisions (either via markets or the government if needed) (Banerjee & Duflo, 2012, p. 270). The incentives could even be something unrelated, such as bed nets, which then help the recipients in more than one way (Banerjee & Duflo, 2012, p. 270). This would need to be coupled with government regulation so that unscrupulous individuals wouldn’t have a way to easily game the system (Banerjee & Duflo, 2012, p. 270).

Ten percent of US families are “Unbanked”, of which the underserved community accounts for 4% and, 17% are teen mothers and, 22% are victims of domestic violence. Did you know, male abusers use psychological tactics such as economic abuse (Lecia, 2014) on their victims, which may result in the victim’s inability to maintain gainful employment and financial independence? Studies have shown 52% (Brown & Robinson, 2015) of abuse survivors are unable to return to work, thrusting the survivors into poverty. Financial depression is the silent killer of many dreams and aspirations in underserved communities on a global basis. (The National Strategy for Financial Literacy , 2006). This is primarily due to inadequate financial management skills within these communities, being passed down from generation to generation. Although household net worth as a percent of disposable income has increased over the past decade, poverty in the underserved communities has rapidly increased. And, consumer debt has increased during 1989 to 2017, from 20% to 26% respectively, while debt was 29% higher in the underserved communities. (The National Strategy for Financial Literacy , 2006) Today, financial insecurity continues to threaten communities and economic prosperity, 2 out of 3 households lack sufficient savings for unforeseen circumstances and

1. Abortion is murder, because murder is intentionally killing an innocent person.  Therefore, abortion is wrong.

Case #4 is all about choices. Russell is an 8th grader who is struggling in his Genetics class. He is also a very talented soccer player who plays on the school team. When he gets a C on an exam, his father puts a lot of pressure on him to bring his grade up or else he will not be able to participate in extracurricular activities any longer. Russell’s teammates do not want him to stop playing soccer so they are putting a lot of pressure on him to get his grade up as well. When Russell gets assigned a project worth 40% of his grade, he becomes worried and consults one of his soccer friends. This friend tells him that he should just copy his older brother’s project because he knows that he got an A on it. Russell reluctantly agrees and turns in an unoriginal assignment. Based on his situation, I think Russell is at stage 3: Good Boy/Good Girl Orientation because he just wants to please everyone in his life. He was so caught up on getting a good grade to please his dad so he could stay on the team and please his peers that he did not even think about the consequences.

As a newly established service within the CCLHD the CCCC has seen significant growth in its first two years of operation. Change management was essential, particularly for administration staff, with new work practices, business processes, responsibilities and accountability, additional clinics, new work environment, divided roles within the Administration Team and multiple competing demands.

Poverty has increasingly become a noticeable issue worldwide over the past couple of decades. With the middle class steadily decreasing, considerable amounts of people are becoming part of the lower class, and even more of our world’s population are beginning to live in poverty. It is important to understand there are different definitions of poverty, and that is largely determined by what each country’s government determines as the cut off of poverty, otherwise known as the ‘poverty line’. Although some people could live above the poverty line, and still be struggling financially, it goes unrecognized by most research collection. However, what was initially noticed around the 1970’s is that there was a significant rise in women’s poverty statistics. More female-headed households were living in poverty, and a majority of those women belonged to a minority. This recognizable trend has been deemed the ‘feminization of poverty’, which according research is not only a growing problem in North America, but several other countries around the world. Information gathered about this issue in the United States shows that female-headed households is by far the fastest growing type of family structure, and due to the fact there is a growing poverty level amongst this group, it now means that approximately half of the all the poor in the United States live in a women-headed family and household. (Gimenez, 1999, p. 336) The biggest question when is comes to this particular topic is why?

Sally is a 4 month old baby girl with unilateral talipes equinovarus (TEV) and congenital hip dysplasia. Serial plasters in hospital began since day three of her birth and today she is admitted to the day surgery unit for left Tendo Achilles lengthening and plaster cast application. Following surgery Sally has returned to the ward with an intravenous cannula in her right hand and a plaster of paris cast encasing her left lower leg and foot. The focus of this essay is Sally’s two priority nursing problems, which are post surgery pain related to Tendo Achilles lengthening and the plaster cast application, and secondly peripheral tissue

An analysis of the Calveta case study reveals one central challenge Frank Calveta is facing: His father's order to double revenue within five years is inconsistent with four out of five goals of Antonio’s way and threatens Calveta's long term success in food supply for senior living facilities. Calveta's case study exemplifies multiple tensions at once. First, there is the tension between preserving the entrusted family heritage in the face of required changes.

Have you ever had a colonoscopy or endoscopy – where they take a camera and look through your mouth down into your stomach; or a camera that goes in your rectum that looks through your bowel and intestines?

The generation of self-employment in non-farm activities requires investment in working capital. However, at low levels of income, the accumulation of such capital may be difficult. Under such circumstances, loans, by increasing family income, can help the poor to accumulate their own capital and invest in employment-generating activities (Hossain, 1988). Commercial banks and other formal institutions fail to cater for the credit needs of smallholders, however, mainly due to their lending terms and conditions. It is generally the rules and regulations of the formal financial institutions that have created the myth that the poor are not bankable, and since they can’t afford the required collateral, they are considered uncreditworthy (Adera, 1995). Hence despite efforts to overcome the widespread lack of financial services, especially among smallholders in developing countries, and the expansion of credit in the rural areas of these countries, the majority still have only limited access to bank services to support their private initiatives (Braverman and Guasch, 1986). In the recent past, there has been an increased tendency to fund credit programmes in the developing countries aimed at small-scale enterprises. In Kenya, despite emphasis on increasing the availability of credit to small and microenterprises (SMEs), access to credit by such enterprises remains one of the major constraints they face. A 1995 survey of small and