Organizational Health – Concept, Dimensions, and Characteristics

Management Concepts

Organizational Health Approach – Building a Strong Workplace

Modern Management Concepts

Participative Management – Workers Participation in Management

Human Resource Management

Case Study on Entrepreneurship: Larry Page

Business Analysis

The Boundaryless Career: Modern Contemperory Perspective on Career

Human Resource Management

Lease Financing in Lessor’s View Point

In normal situations, the lease decision has been evaluated from the point of the lessee in terms of the lease or buy decision. However, the lessor also has to evaluate the lease decisions from the point of view of his return. The lessor is financing the assets out of the funds procured from different sources, and obviously there is a cost of all these funds to the lessor. So, the lessor will like to provide lease financing only if the return from the lease is at least equal to the overall cost of capital of the lessor. The lease decision for a lessor is in fact a capital budgeting decision, where the lessor invests the funds in expectation of the returns in the form of lease rentals. The lessor will accept the proposal for the lease financing only if the NPV of the decision is positive at the required rate Continue reading

Abey Francis

Customer Relationship Management (CRM) in Banking: A Case Study of ICICI Bank

Focus on ICICI Bank’s Initiatives The use of Customer Relationship Management (CRM) in banking has gained importance with the aggressive strategies for customer acquisition and retention being employed by banks in today’s competitive milieu.   This has resulted in the adoption of various CRM initiatives by these banks to enable them achieve their objectives. The steps that banks follow in implementing Customer Relationship Management (CRM) are: Identifying CRM initiatives with reference to the objectives to be attained (such as increased number of customers, enhanced per-customer profitability, etc.), Setting measurable targets for each initiative in terms of growth in profits, number of customers, etc. and Evaluating and choosing the appropriate Customer Relationship Management (CRM) package that will help the company achieve its CRM goals (a comparison of pay-offs against investments could be carried out during the evaluation exercise). Customer Relationship Management (CRM) has been deployed in retail banking. The challenges in Continue reading

Abey Francis

Defenses Against Takeover Bids – Anti Takeover Strategies

A firm having all or any of the following features may provide a temptation to an acquiring firm to take-over the former: The target firm has under performed other shares and the overall market in terms of return the shareholders in the preceding years. The target firm has been less profitable than other firms, and The promoter/owner group has lower shareholding in the target firm and the public has a higher portion. If an acquiring firm makes an offer for negotiated merger to the management of the target firm, it is up to the latter to accept or not to accept the offer. The target firm may not find the offer to be attractive and hence it may reject the offer. However, the acquiring firm may still persists with the idea either by making a tender offer or attempting a hostile take-over bid. In such a case, it is the Continue reading

Abey Francis

What is Cryptography and Its Types?

Cryptography is defined as hiding the message to make it secret using scrambled codes. It allows the date to be changed into a code that is not legal for not permitted person and it needs to be converted back to its original message for it to become readable. Encryption and decryption are the process of cryptography. Encryption is when the readable text is converted into coded text while the decryption is where the coded text is converted into readable text. There are numerous types of cryptography but the symmetric and asymmetric key cryptography is the most used technique. 1. Symmetric-key Cryptography Symmetric-key Cryptography is also known as the private key cryptography. It is the oldest and well-known technique of cryptography. This method is simple which only requires each computer that has a code that will be encrypted by an encryption software into packets of data before it is sent across Continue reading

Abey Francis

Reasons Behind the Financial Crisis of 2008

Financial crisis is a bubble created by excessive investor inclination towards a particular market. It shadows the valuations and when the bubble bursts, the investors want to exit and therefore rapidly start selling their stake. Too much of capital led to lower interest rates and this in return forced the investors to look for creative investment platforms where the yield was high. This requirement led to an unprecedented growth in the securitization market as the inclination towards such derivative instruments was high. Investors were willing to take higher risks as compared to the returns they would receive for their investments. Greed for higher returns, excessive leverage and low volatility led to the financial crisis of 2008. This low volatility which was a result of shadowed valuations led the borrowers to borrow over and above what their asset base allowed notwithstanding the criteria of credibility. 1. Low Volatility and High Leverage: Continue reading

Abey Francis

Blockchain Technology – Advantages and Disadvantages

In 2017, a new form of currency and heated topic came to light, Bitcoin. Soon after its emergence, Bitcoin turned into the most invested in and discussed topic. It was considered to be a future form of digital currency. Investors and debaters understood the basics of how Bitcoin operated, however, the system behind Bitcoin was unclear. Bitcoin, alike many other cryptocurrencies, uses a system called Blockchain. What is Blockchain? How does Blockchain play a role in cryptocurrency? According to Bitcoin.org, “The block chain is a shared public ledger on which the entire Bitcoin network relies.” For example, imagine an iron chain full of square blocks, each block is bind by a transaction between two parties. The blocks are added one after another in chronological order. Within this block, information from both participants is contained. Once the transaction is made, it will be displayed for the public to view.  Blockchain plays a Continue reading

Abey Francis