I.T and Hauhaus free essay sample

As they are the contender inside the market, the retailing methodologies to be utilized are comparable. In this manner, it is simpler to gather and think about the money related information and reach out the inference to see which organization would be worthier to contribute. The report covers the organization and industry foundation, proportion investigation, future conjecture of two companies’ execution. 2)Company Background Bauhaus (0483, HK) Bauhaus was found in 1991. It has been recorded on HKEX financial exchange since 2005. There are in excess of 200 retails store and over corners and purpose of deals in Hong Kong, Macau ,terrain China and Taiwan,. Aside from selling distinctive outside brand, preferred Cheap Monday, G-Star, EVISU and so forth, Bauhaus likewise constructing the neighborhood brand loved Salad, T Tough Jeansmith and 80/20. It is a main retail location in selling easygoing wear, particularly for pants thing. There are 234 Bauhaus shops in Asia. Utilizing the discount methodology, Bauhaus can grow the business from Asia to Western nation. Later on, it might enhance its product offering like dispatch increasingly remote brand to expand its competiveness. I. T (0999, HK) I. T was found in November of 1988. It has been recorded on HKEX securities exchange since 2005. The Group has a broad self-guided retail organize reaching out to about 450 stores across Greater China with staff around 4,800. The brands are all around acknowledged in Thailand, Saudi Arabia, Australia, the Philippines and France. More stores will be opened in these spots later on. The component of I. T retail location is bunch a few brands in a sizable retail store. It claims various in-house brands loved 5CM, fingercroxx and X-enormous, just as appropriating European and Japanese designer’s brands, for example, French Connection and A Bathing Ape Comme des Garcons, DG, and so on. 3)Industry Outlook Hong Kong is one of the style center points in Asia. There are a breeze assortment of neighborhood and worldwide style brand situate there leader store in Hong Kong. The serious is dynamic and motivating force. Hong Kong buyers are happy to burn through cash on design and attire. As the buying intensity of is high, so the interest of design item is enormous. As per CIA THE WORLD FACTBOOK, this section gives the total national output (GDP) or estimation of every single last great and administrations delivered inside a country in a given year. From this outcome, Hong Kong is positioning to 37 after contrasted with 227 nations in the time of 2010. As indicated by the data from Asia Case Research Center (ACRC), it shows that retail is the second biggest part in the administration business that represented 85. 7% of Hong Kongs GDP. Additionally, The Census and Statistics Department (CSD) demonstrate that the estimation of all out retail deals in October 2011, temporarily assessed at $34. 2 billion, expanded by 23. 1% longer than a year sooner. Dissected by expansive kind of retail outlet and contrasting October 2011 and October 2010, wearing attire increment 14. 6%; footwear, partnered items and other dress adornments increment 11. 3%. This information proofs that the interest of style things is enormous and buying power in this area is generally high. Moreover, voyagers come to Hong Kong are expanding every year; they carry with high buy power in design things, particularly those Chinese visitors. As indicated by the measurements discharged by the Immigration Department, around 800,000 to 900,000 Mainland guests travel to Hong Kong month to month. It shows that Hong Kong’s showcase has a colossal potential advancement possibility. Concurring the information of Hong Kong government, the business income of retailing business has a development during April of 20010 to Feb of 2011. It is on the grounds that the financial condition is better than past year. Hong Kongs GDP fell in 2009 because of the worldwide budgetary emergency, however a recuperation started in second from last quarter 2009, and the economy became almost 6. 8% in 2010. Likewise, China’s economy development quick, the exhibition of its economy development is more prominent than the other nation. What's more, Hong Kong’s economy is affected by China without question. Later on, we can see that Hong Kong’s retailing business will development quickly. It appears to be an extraordinary opportunity to build up the retail business; in any case, there are a few dangers on the development of style retail business in Hong Kong. These days, Globalization is an interesting issue of the world, an ever increasing number of outside brands enter in Hong Kong showcase, for example, GAP, Forever 21, Zara, HM and Monki, and so forth which give great cost and in vogue configuration stocks. They viewed Hong Kong as the venturing stones to go into the China advertise. With all the more marking in Hong Kong, the opposition between them is getting progressively concentrated and genuine. Thusly, the nearby design retailers need to develop their upper hands to withstand the effect from those outside brands. Likewise, as a result of the swelling of Hong Kong and China, the expense of the materials, work and transportation is getting higher. Piece of clothing producing is a work serious movement. The expense of article of clothing is principally from the expanding work cost and transportation cost. So as to manage, the retailer presumably need to arrange more measure of amount each an ideal opportunity to accomplish the economy of scale, so the cost will be lower. Moreover, as we realize that Hong Kong’s rental cost of shop is the initial three costly on the planet. The rental cost has been expanding quickly in the ongoing years. From 2010 to 2011, the rental cost was expanded in excess of 10%. In this way, rental cost of the store is a center expense of any business, particularly style retailer as it needs a huge space for showing and putting away the items. The rental cost influences the benefit of the design retailers. To finish up, Hong Kong style retail showcase is as yet positive. There are numerous extraordinary open door for Hong Kong design retail to grow its business. Be that as it may, there are some vulnerability should be focus, for example, the passage of outside brands and the temperamental rental expense. In this way, the nearby design industry needs to make a serious technique to manage. For instance, nearby design retailers can utilize the alluring promoting procedure, preferred joint effort with different brands, give brilliant client administrations and building extraordinary brand picture. 4)Ratio investigation I) Test for gainfulness I. T (in HKD 000)Bauhaus (in HKD 000)* a)Return on Equity (Net pay/Average stockholders’ equity)416945/[(1843212+1477723)/2] =25. 1%25. 1% b)Profit edges (Net pay/Net Sales)416945/3834422 =10. 9%11. 4% ii)Test for liquidity I. TBauhaus c)Current Ratio Current Asset/Current liabilities1873282/1012495 1. 85%3. 3 d)Quick Ratio (Current Assets-Inventory)/Current liabilities(1873282-736717)/1012495 =1. 1%1. 7 e)Inventory Turnover Cost of merchandise sold/Average Inventory1405482/[(736717+394520)/2] 2. 52. 0 iii)Test for Solvency and value position I. TBauhaus f)Debt/Equity Ratio Total liabilities/Total stockholders’ equity(1012495+429852)/1 843282 0. 78(1497+126461)/494938 0. 26 iv) Market test I. TBauhaus g)Price/Earnings proportion Current Market Price per Share/Earning per Share4. 88/0. 33 =14. 82. 98/0. 32 =9. 3 h)Dividend Yield Ratio Dividends per share/Market cost per share0. 146/4. 8 =3. 0%0. 177/2. 98 =5. 9% *Quote from yearly report* Two monetary reports declared in various date-Bauhaus-For the year finished 31 March 2011 I. Tâ€for the year finished 28 February 2011 I )Test for Profitability is an essential proportion of the general achievement of the organization. This is a class of proportions that are utilized to survey a business’s capacity that produce income contrasted with its costs and other pertinent expenses acquired. To decide rather the organization is important for contributing or not which need to get high gainfulness when contrasted and competitor’s organization. In any case, in style industry, the business income is occasional. For instance, the business income is a lot higher during Christmas and Chinese New Year in Hong Kong. In this way, we ought not think about the retailers final quarter net revenue with the overall revenue from a similar period a year prior in light of the fact that it would be unquestionably increasingly enlightening. a)Returns on Equity This proportion demonstrating how much pay was earned for each dollar contributed by the investors. ROE can reflect on the off chance that they have utilized the cash that put resources into the organization to create significantly more pay. In the event that the ROE is low, it shows that the profits of the financial specialists won't be high. Furthermore, the organization doesn’t use the assets that they have contributed. Two organizations have a comparable consequence of this proportion. Both two organizations can create about 20% of pay utilizing stockholders’ value. It is on the grounds that retail location isn't extremely high venture to enter the market; it has higher ROE when contrast with other industry preferred Construction Company. So as to quantify the organization is worth to contributing on; ROE proportion ought not be lower than 15%. In this way, two organizations are worth to contribute on. b)Profit edge Profit edge is a marker of a companys evaluating methodologies and how well it controls costs. It is determined by finding the net benefit as a level of the income. A low overall revenue demonstrates a low edge of wellbeing: higher hazard that a decrease in deals will delete benefits and result in a total deficit, or a negative edge. The higher overall revenue implies that the organization has a higher capacity to produce benefit. I. T’s result is 10. 9%, it is lower than Bauhaus 11. 4%. I. T ought to limit the cost. Bauhaus has a higher overall revenue in 2010/2011. It shows that they have invested energy to amplify the benefit. Since contrasted and a year ago (10. 5%), it has been expanded. I) Test for liquidly It is a class of money related measurements that is utilized to decide a companys capacity to take care of its short-terms obligations commitments. A companys capacity to transform momentary resources into money to cover obligations is absolutely critical when banks are looking for installment. Chapter 11 examiners every now and again utilize the liquidity prop ortions to decide

Develop Professional Relationships with Children and Young People free essay sample

Disclose when and how to allude different grown-ups to |Parents: Concerned that their youngster is having troublesomely in a specific subject may fell the need |Tutor’s remarks: | |further wellsprings of data, counsel or backing. |to contact the school to set up a gathering with the class instructor, year of head or head. | |The educator can assist with settling an issue by exhorting guardians on an answer for best assistance their youngster. | |By making a solid home/school interface this will to help and keep up the youngster/youngster | |learning. There will be a running record taken with an audit to check whether the procedure has been | |successful or there is a case for outer experts to exhortation. | |Staff Members: By making an open channel of correspondence to help allude staff individuals to facilitate | |sources of data, exhortation or support and continually making sure to regard the secretly as to | |any matters of concerned. We will compose a custom article test on Create Professional Relationships with Children and Young People or on the other hand any comparable theme explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page Staff individuals have an obligation regarding their own learning, CPD, proceeded | |professional create. On the off chance that there are any voids in there training to get some answers concerning courses or pamphlets | |that can be a wellspring of data. | |External Professionals: It is critical to make an encouraging group of people that will meet the worries or | |issues of the kid/youngster, this will include, guardians, SENCO, class instructor, head of year or | |principal. | |If the difficult should be address further the school can utilize outer experts, for example, school| | |counsellors, Educational Psychologist, Speech and Language Therapists, Specialist Teachers and | |Education Welfare Officer. Because of the data that will be shared between these administrations it is | |important to fabricate a solid relationship and compelling joint effort. |

50 Interesting + Important Small Business Website Features

50 Interesting + Important Small Business Website Features Make Money Online Queries? Struggling To Get Traffic To Your Blog? Sign Up On (HBB) Forum Now!50 Interesting + Important Small Business Website FeaturesUpdated On 02/12/2017Author : Priya BatraTopic : BusinessShort URL : https://hbb.me/2j9Aw3H CONNECT WITH HBB ON SOCIAL MEDIA Follow @HellBoundBlogWe do agree to the fact that creating a website is not an easy task. Not because a person needs to know about numerous languages, but the reason is that every website must be unique and have a soul. A website must have something which attracts people the most to grab their attention for visiting the page on a daily basis and not getting bored of it. Not just the website’s design, but there are numerous factors which can make a website efficient, beautiful, fast, useful and a quality one. This is a simple rule which goes perfectly with all kinds, sizes or types of websites, but here today, we will talk about 50 Small Business Website Features here.No matter what type or kind or size of bu siness you own, the major necessity is to have a website. It is really important for every business to be present online. Whether it is about the presentation of the activities or the promotion, the major tool which helps is the Internet and thus, it is important to have a website. Those days are gone when the websites used to display the occasional pictures with the long tables, but now, the websites are more about the real applications. If you think that it is enough to install Joomla or WordPress with cool templates on a free hosting is enough for having a successful website, then you are wrong.Small Business Website Features You Should KnowEvery web page must be unique because it has its own elements, some are important while some are not. But there are even those elements which are mandatory and are a must to have, regardless of the kind of page. At first, you might feel setting up a website, planning its layout and design with the images an overwhelming experience, but if you really don’t know where or how to put the keywords, logo, titles and more, then it can be detrimental to the success of your website. So, it is really important to follow the best practices. If you want to succeed further, then have a look at the 50 Small Business Website Features:Header1. Domain Name: A domain name helps in adding credibility to the business, mobility in the Internet presence, attracting walk-in business and building the brand. It is important to choose an easy to remember and a good domain name which can help in generating traffic towards your business, build a reputation and most of all it should be easy to remember. You can grab .com domain names from GoDaddy for less than $1.2. Logo: It is crucial to have a clean and unique logo representing about your small business because it is the most important visible manifestation of the business. Logos are the face of the company which holds the unique identity of the company in a form of a graphical display.3. Taglin e: The tagline is all about what your business does and is the first thing after the logo which the customer sees. It is one of an essential component of marketing as well as branding strategy which is directly associated with the goals of the business. A tagline gives a quick impression about the business.4. Phone Number: Voice communication for every business is being of a striking appropriateness and pertinence for its success both online and offline. Every business must have a secure way of communication with the customers, distributors, and the suppliers.5. Call To Action (CTA) button: Most of the businesses having a call to action button tend to go a long way because it is essential to drive the conversions easily from the efforts of the business into their content marketing.6. Top Navigation: The top navigation plays a crucial role when it is about the user’s experience. It is considered to be one of the best practices for SEO and usability. It shows that how well you handl es the traffic and converts the visitors into the business’s potential customers.7. BreadCrumb Navigation: The breadcrumb navigation is a really important aspect to consider for the SEO improvement of the website. It can do wonders to the small businesses as these provide the visitors with the links on all the pages for navigating through the website easily in one click. In simple words, they help in explaining the organization of a website.Above the Fold8. Slider or Image: The slider or image on the website of a small business is considerably an important factor to consider because it shows the major and most important thing about the business.9. Crucial Business Information: It is really important to mention about the crucial business information on your website because none wants to lose their customers to their competitors. So, make it easy for the visitors to get in touch with you, to find you easily through the Google Maps location.10. Testimonials Reviews: Testimonials and reviews from your potential customers help your business grow stronger and the services, the products more real. It helps in attracting people and building trust about the business brand.Below the Fold11. Main Features: Just provide the main features not just about your business, but even about the products, services which you offer along with the office and business location.12. Quality Content: Your website is the first impression to your visitors. So, it is important to mention all the details for which they are looking for and give them a reason to come back by providing them a fresh, quality content.13. Internal Links: Internal links help in aiding in the navigation of the website, defines the website’s hierarchy and architecture as well as distributes the ranking power along with the page authority all over the website.Footer14. Contact Information: The contact information of your business must be clearly visible on the website including the address, phone number, and the e mail address. Also, provide an option for a ‘request more information, if needed.’15. Business Hours: For a small business, mentioning the business hours on their website is crucial as it helps the visitors to contact during the time of availability.16. Social Media Buttons: We have already stepped into the online connected business environment, and it has made social media one of the most important tools to consider for the small business promotion and marketing strategy. It is the best way of connecting with your customers and allowing them to learn more about your and your business.17. Online Chat Feature: It is another method through which your visitors or customers can contact you easily. It is a lead-generation tool which helps in converting your visitor into your customer. Also, it helps in building a rapport with your business’s prospects by answering to the queries of your visitors and interacting with them.18. Newsletter Signup Form: The newsletter signup form is of utmost importance for the business and its customers as they help in maintaining their contact with each other. It is one of the most important marketing aspects for the businesses.19. Navigation: This navigation feature is about the footer navigation on the website which is one of the highly visible features on all the websites. It can include copyright, sitemap, privacy policy, terms of use, contact, address and much more.Inner Pages20. Contact Form: These are the online data forms which the visitors or the customers can fill up online to request more information from you and about your business as they serve as the lead-generation tool.21. Captcha or Anti-spam Feature: Captcha or anti-spam by Google helps you to avoid any bot attacks on your website. Either the bot is trying to log in or comments; the Captcha will prevent such attempts by giving a small test. Captcha is designed to make tests easy for humans, and only humans can pass those tests.READHow To Earn Extra Cash Via Pai d Surveys (When You’re Not Blogging)22. Personalized ABOUT US Page: The ABOUT US page of your website is all about the brief introduction about you and your business. The information mentioned on this page help the visitors in knowing about the products and services which you offer as well as helps in building a rapport.23. Inner Pages Content In F Pattern: F-pattern is the fast pattern, and that is how the eyes of the visitors move with amazing speed for reading the precious content on your website.24. Privacy Policy Page: It is one of the most important features for a website as it details about the procedures as well as the views of the business on the collected information from the visitors. It is a legal document which must be easy to understand as well as accurate.25. FAQ Page: FAQ page on a website is crucial not only for the business but even for your customers as well. Visitors visit this page when they have less time, but need to find more about the business.26. Blog Pag e: A blog page on a website helps in adding value to it as well as encourages the user interaction and helps them in keeping engaged with the brand.Blog27. Search Function: The search function helps your visitors or customers to find the information by just searching through the keywords.28. Social Media Share Buttons: Social media is one of the best places for marketing your business and thus, it is important to have the social media share buttons on the blog section of your website. They help in increasing the online presence along with the engagement and traffic.29. Comment Feature: The comment feature on your blog helps in increasing the blog activity and telling your readers that your business is open to all the complaints and the suggestions. It even helps in increasing traffic, making the business come close to the people and allowing you to check out the geographic and the demographic information of your brand.30. Sidebar: Include a sidebar on your blog section of your busin ess website which must include the bio of the business along with the email opt-ins. Make sure to add the sidebar on the right-side of your blog.Other Design/Content Points to consider31. Links Those Are Easy To Recognize: The links provided on the website must be easy to recognize and clearly visible to the visitor.32. Clean Font With Easy Readability: All the contents mentioned on the website must be perfectly aligned with the clean font. The content must of high readability.33. Mobile Responsive: Nowadays, people are using their smartphones for surfing the websites. So, it is really important to create a mobile responsive website to provide people with mobile-friendly experience. Make sure you avoid nulled or pirated themes on your blog.34. Hamburger Menu On Mobile Site: The hamburger menu is three stripes displayed as a bun-meat-bun sandwich. It is used to hide the menu in mobile websites so that readers can see more of content on small screens like mobile.SEO Search Engine Opt imization35. Automatic Sitemap Creation: It is an important factor for your business as it helps the Google spider robots and checks the sitemap about the site update and simultaneously ranks the website or the page.36. Ability To Easily Update Page Titles Meta Description: It is important to update the Meta description and the page titles so that they are SEO-friendly and must include a keyword as well.37. Easy To Update URL Structure: Simple the URL structure, the best it is. The URL must be SEO-friendly, and it must be easy-to-update. Do you know which is the best WordPress permalink structure?Server/Hosting38. Good, Reliable Fast Hosting: It is an important to factor to consider because it helps in good reputation of the brand with an excellent uptime track record. We suggest InMotion Hosting and A Small Orange.39. Security: It is really important to have a secure hosting because security issues can result in identity theft or loss of income of your business. It is must to cho ose the hosting with the best SFTP, SSL and server maintenance.40. Auto Website Backup Feature: Choose the hosting which performs auto website backup regularly in order to protect the website from any problems.Technical Requirements Backend41. Use A Content Management System (CMS) In The Backend: Using the content management system in the backend helps in instant updates, sitewide changes, ease-of-use, security and simple workflow.42. Cross Browser Compatible: The website code or theme code/script should be such that it is compatible with all browsers. If a website only looks good Google Chrome and not on Opera, then you are losing a lot of traffic. Website coding should customize for all browsers.43. Google Analytics Integration: It is one of the most powerful tools that helps you analyze as well as monitor traffic on your website. It also helps in providing information about the visitors visiting your website and the type of content they are looking for.44. Google Webmaster Tools integration: It is one of the most useful SEO tools for a website as it helps in offering the vitalities of SEO business insights.45. Speed, Fast Loading, Optimized Code: The faster the website loads, the more people wants to stick on it, and even Google ranks the fast loading website to the top. So the coding or script of the website should be such that it should open in an instant. Any script which slows your website should be removed or optimized to perform better or load fast.46. Use Browser Cache To Increase Speed: The browser cache helps in increasing the speed of the website by creating an unchanging or static HTML files followed by saving them to use them later.47. Schema.org: Using the Schema markup on your business website will help you in boosting the SEO. It can help the boosting of your website in the SERPs.Things To Avoid On Your Site If You Can48. Dont Use Flash Elements: The flash elements are not SEO friendly and not even help in updating the content on your websit e. Also, they are not mobile-friendly and are not considered to be a platform for future.49. Avoid Background Music: Avoid adding the background music if you have a professional website. Your website loses its credibility as it affects the bandwidth and maximizes the loading times. It can be added if you own a music website.50. Do Not Upload Videos On The Website Server: The videos are quite large and thus, affect the bandwidth. There is also a limitation of the storage space and the file size limits and many more reasons.So, guys, these are the best 50 features small business websites must have. And if you think that designing an efficient and an effective website is really a difficult task, then it is not because it is all about your understanding of the importance of having a proper website.If you are not sure about how to stack up a website of your small business with all the important features, then do take some time in auditing the current website and checking the areas where you need improvement. Equipping your website with all the essential features will help you in increasing the consumer conversion and building an effective website.

The Existence Of God Through Aquinas Views - 1949 Words

In this paper I am going to discuss the existence of God through Aquinas’ views, with the the argumentation he presents. Following the process of proving the existence of God through Aquinas’ views, I will present an objection or two to his argument. Aquinas’ views were highly influenced upon Aristotle’s prime mover. The problem that is trying to be solved is the existence of God. Aquinas most famous for proving the actuality of God is his argument, The Five Ways of the Summa Theologiae. However, St. Thomas had more to say about proving the existence of God, which will be further discussed. An objection to a part of his argument is that everything that moves has to be moved by another thing. Except, this chain of movers cannot go on to infinity, because if so then there would be no first mover. I will show that Aquinas proves the existence of the God, wrapping up with a few objections. A problem needs to be solved, that is the existence of the G od, per Aquinas. Aquinas argument from motion begins with the empirical observation of motion in the world. This argument is called an à   posterior argument. Starting with his Five Ways of Summa Theologiae. I will point out his first point in the argument analysis which has to do with motion. When Aquinas is speaking of motion though, he is speaking of any type of change, not simply change of location. The growth of our wisdom, birth, death, the fluctuation of the temperature, etc., are all examples of motion.Show MoreRelatedThe Ontological Argument On The Existence Of God1608 Words   |  7 Pagesâ€Å"ontos† meaning â€Å"being† or â€Å"what there is†. Ontology credits the existence of God to overall essence of God. The ontology argument questions the nature of being which includes questioning the existence of God. As made apparent in â€Å"Introduction to Philosophy: Classical and Contemporary Readings† many philosophers have different views and theories on the existence of God. 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The firstRead More Existence of God Essay1571 Words   |  7 PagesIn the â€Å"Suma Theologica,† by Saint Thomas Aquinas, Aquinas combines the doctrines of Christianity with Aristotelian philosophy, through the assertion that as a result of observation, utilization of the senses, and an empirical mindset, one can substantiate the existence of God. Aquinas holds the conception that in the quest for God’s existence, philosophy and theology are interwoven together and both play complementary roles. He infuses numerous theological doctrines, mainly from Saint AugustineRead MoreCritique on Whether God Exists Essay837 Words   |  4 PagesCritique on Whether God Exists Countless philosophers since the beginning of recorded history have pondered the question of whether God exists. One such philosopher, Saint Thomas Aquinas, put forth his own theory on the existence of God. In his text â€Å"Whether God Exists†, he stated that through his five arguments he could prove God’s existence. 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The Improvement Of Customer Satisfaction Of Auckland...

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International Market and Trade Research in Ireland

International market and trade research is beyond the capabilities and needs of the small Irish exporter. Discuss. International Marketing and Trade Research follows the very same path as domestic research, only that there are a few more problems that can arise when entering the international market. Customers in international markets may have very different customs, cultures, and expectations from the same company than those in their own mother country. In this case, secondary information must be collected from each separate country and then combined, or compared. This is a time consuming process and can be confusing but is it beyond the capabilities of the small Irish exporter? International Marketing Research relies more on†¦show more content†¦Geographic distance would be a definite problem for the small Irish exporter being that Ireland is an island on the edge of Europe so physical remoteness is an issue for export etc. But on the upscale we are easily accessible by sea. Our small size could pose a problem on the international market for the small exporter. The difference in climate that can occur in Ireland depending on the product could raise some issues also. Bearing these factors in mind, conducting a feasibility study before considering a prospective market would be an excellent idea. Economic distance especially now more so than ever with the EU bailout of Ireland, financial resources are at an all time low and many markets might be dubious about trading with an Irish exporter. There could be difference in costs and quality of natural resources, financial resources, human resources, infrastructure, intermediate inputs or information or knowledge. However our natural and human resource standards remain very high aswell as a highly educated workforce so the exporter should be capable of breaking into some foreign markets based on Ireland’s continued good reputation internationally. 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Hidden cost in banking and financial services

Question: Discuss about the Hidden cost in banking and financial services. Answer: Introduction Banking field is very strong in UAE from both perspectives Capital Assets. There are different type of banks in UAE and they were robust in case of any vary in economics. On the other hand, resignations number increased which led to shut many other banks. In Dubai and Abu Dhabi they try to continually recruit individuals in order to enhance the UAE economy. That's why the number of Banks in this city grows rapidly. To be more precise, there are two types of banks in UAE; Commercial and Representative. Currently, there are 48 Commercial 7 Representative Banks distributed in all over UAE. The usual and major services that these banks provide are Personal Loans, Car Loans, Credit Cards, Corporate or business loans, corporate facilities Fixed Deposits act.https://emiratesdiary.com/uae-tips/list-of-banks-in-dubai-uae-abu-dhabi-uae#ixzz4XMIIF4D5 Dubai Islamic Bank (DIB) is one of the leading Islamic banks in UAE. They consider themselves "champions of morality, equality and transparency in everything" they do. They harmonize their goals with UAE evolution. As well as, they are strong competitor as their assets are more than 1 trillion US Dollar globally. https://www.dib.ae/about-dib/overview One of the most wanted bank service is the personal loan. However, the people who request for such service usually end up with regression. The reason is banks customers usually ask about the rate and installments. However, some procedure requires' service cost, monthly charges, postponing installment charges, and these are not clear for customers. This report will clarify these hidden charges. From my perspective, these charges and extra costs are somehow manipulation as the bank doesnt take the responsibility to clarify it for personal loan customers. Literature review: According to Gebba, (2015) it is stated that banking and financial institutions in Dubai and Abu Dhabi have come long way from the time when charges and other processing fees charged were only processing fees and other stipulated payment. Now banks in UAE has developed its functioning in sophisticated way and increased hidden charges so that more clients be grabbed by not disclosing their actual cost of capital. Throughout the time there are several changes have been made by UAE monetary authority in its unreasonable high fees and services charges. UAE bank federation is the responsible authority in establishment of code of conduct for the UAE banking sectors so that it could build professional and transparent business environment to serve customers interest and their right (Paltrinieri, 2015). As per the views of Wanke, Azad, Barros, Hassan, (2016) it is stated that The central banks of UAE as a part of its commitment to promote economic and financial stability has actively engaged in foster financial system by providing efficient central banking services. However, with the increasing ramification of business changes, banks and financial institution are introducing several charges and hidden expenses which are charged by banks from the general public in their banking services. These hidden charges and expenses have become new ways for banks and financial intuitions to make money in determined approach. At the time of taking loans from the banks borrower tend to neglect several hidden charges. However, interest rate and tenure time of loan amount are the basic tools which are used by borrowers while taking loan from the banks and financial institutions. There are other hidden charges which are put under the carpet by banks. Moreover, website and other portals of banks in UAE do not disclose the details of these hidden charges. According to Button Gee, (2013) it is stated that there are following charges given below that are charged by banks and financial institutions in UAE in Dubai. Hidden charges Service fees These fees are the charges which banks and financial institutions in Dubai charges for their banking activities. it is further observed that even if banks gives guides regarding the services fees on its website but it is hard to spot the actual amount which would be charged by banks and financial institutions for their services. Some time these hidden service charges vary with changes in transaction in determined approach. (Al-Ali, (2008). Conversion fees Campello, Gao, Qiu, Zhang, (2015 provides that it is the amount of fees which is required to be paid by customers for reducing rate of interest during loan tenure. For instance, if a client has taken loan @ 14% e.g. 12% basic rate and 2 % mark up rate. Then in the later time bank revised its mark up rate to .25%. In this case clients will revise their bank rate or mark up rate from 2% to .25% and has to pay conversion fees to banks. MODT charges According to Goddard, Molyneux, Williams, (2014) it is depicted that these are the charges which are required to be paid by clients while submitting their documents with the banks in order to create charge on their assets for their loan amount. However, in Dubai, it is called memorandum of deposit of title deed which vary from .1% TO 0.2% of the loan amount. Personal loan fees As stated by Al-Tamimi Hussein, (2010) it is stated that it is charges which vary with the doubtfulness of repayment of loan amount. As in the case, if clients are making payment for their online shopping or e- payment then banks would charge additional expenses as overdraft rate apart from its banks rate. These fees are hidden and vary with the unsecured amount of client in his transaction. It includes e.g. credit card loan amount fees, online payment fees, and fees for placing orders on the behalf of clients. Pre closure charges As per the views of Al-Marri, Moneim, Baheeg Ahmed, Zairi, (2007) it is stated that these charges are completely hidden and could be identified at the time of happening of event. For instance If a customer in banks and financial institutions in UAE want to apply for pre closure then bank would charge additional interest at the certain rate on the outstanding principle amount as pre closure charge. EMI bounce charges As stated by Goddard, Molyneux, Williams, (2014). It is divulged that these are the charges which will be levied on clients if he failed to make installment amount of loan in stipulated time period. Ideally these charges include EMI bounce amount, services charges, penalty and other taxes levied on the same. This cost aroused when borrowers make default in payment of his EMI for borrowed amount. Retrieved charges These are the charges which are to be paid by clients at the time of closure of loan amount. It is ideally charges which are related with satisfaction of loan amount. These charges are collected by banks from the clients at the time of satisfaction of their loan amount. however, these charges could be avoided by banks if bank has entered into agreement with the borrowers to not to charge retrieved cost. Administrative charges As per the views of Campello, Gao, Qiu, Zhang, (2015) provide that there are two charges which are charged by bank administrative charges, processing charges. Ideally banks in the starting of providing loan to client do not disclose but it is deemed that clients would be ready to pay off all their document handling and other processing fees. However, waving of processing fees could be made by banks if clients and banks are satisfied at the same terms and conditions. Legal fees According to (Ariff, Lewis, Mohamad, (2014). It is depicted that Banks in UAE before providing loans amount to customers indulge in preparing search report of clients property. Search report reflects all the property details of clients so that proper valuation could be made for the loan amount based on the assets charged by banks. This legal fee is charged by banks from the clients without any prior intimation. Switching loan package In case if clients have made application of fixed loan amount and now they want to switch their loan amount as floating loan amount then bank and financial institutions in UAE will be charging switching loan charges from clients. These cost arises when borrowers want to make changes in his existing loan amount. Recovery charges It is the charges which are required to be paid by customers in case if he made default in payment of loan amount. These charges based on the expenses made by banks on the recovery of their loan amount. Late payment charges It is stated by Hassan, (2014) that these charges are emerged due to delay in EMI payment by the clients. Ideally in UAE banks and financial institutions charges 2% additional interest as penalty amount on the amount due. Prepayment loan fees It is the amount of charges which aroused as client makes payment of loan amount before loan tenure. In this case, clients in order to close their account have to certain amount of money to banks so that their account could be settled down in determined approach. Getting list of documents As stated by Ariff, Lewis, Mohamad, (2014) it is depicted that charges which are imposed on the clients if he asks for certain documents and of the details from the banks. For instance, if a person has taken loan from banks and financial institution in UAE by then he could ask for the copy of current documents of his assets then for these banks charges certain amount for its services from the clients. Forcing borrower to buy expensive insurance products In this case banks and financial intuitions force their borrowers to take certain insurance products by dictating them that it is covered in their banking policies. However, these are the amount which banks use to earn as a commission on the sale of these insurance products. Charging money on credit card Banks and financial institutions charge certain amount of rate from the borrowers if they cross primary limit of their credit card. However, these charges are collected by banks either monthly, quarterly and on yearly basis. Documents retrieval charges On the application of loan, borrowers submit important documents to banks and financial institutions. Then Commercial and Representative Banks deposit these documents in their central storage units to assure safety. In the end of full payment by the borrowers banks charges a certain amount from borrowers for transferring these documents from the repository to borrowers. Reason behind hiding these charges by banks As per the views of Miles, Yang, Marcheggiano, (2013) it is given that with the increasing competitions and strategically working system of several banks in UAE it has become mandatory to reduce cost of capital for clients. Persons who want to take loan are ideally interested in taking loan from the banks which are providing loan at very low interest rate and with long tenure loan. Banks and financial institutions in UAE are more concerned about increasing their customers and spreading liquid money in the Dubai and Abu Dhabi at large. However, in order to increase their bank loan amount in general public all the banks have to hide their certain charges otherwise all the customers who want to take loan will go somewhere other place for the loan amount. There are other several charges which would not emerge if borrowers do not attempt to do these activities. In addition, banks and financial institutions in UAE work on the strategy of providing the best services to clients. Therefore, it is observed that there would be several hidden charges which are paid by borrowers if they avail banking services from banks and makes default in same. As per the views of Lagoarde-Segot, (2016) it is divulged that there are several services which banks and financial institutions provides to their clients at free of cost such as mobile banking, online installment payment, availability of credit card, support services to help borrowers to counter their queries, life insurance of borrowers, making payment on the behalf of clients orders and round the clock banking at several places including airports, and hospitals. Competition in baking sector of UAE As stated by Paltrinieri, (2015) it is given that UAE has strong competitive baking sectors accompanied with various banks providing banking and financial services in determined manner. It not only has largest banking sector amongst all the Arab states but as well boast of top two of Arab economy. Currently UAE has around 140 foreign exchange firms and 25 investment firms. However, all the commercial banks and other financial institutions are subject to rules and regulation given by central bank of UAE. It is observed that all the banks have developed their financial products to the extent which could satisfy client needs and demand in sophisticated manner. There are two ways which are used by banks in UAE to attract clients keeping rate of interest as low as it could and keeping banks charges less. Therefore, these are the two factors which results into emergence of hidden charges for the borrowers in later time. Borrowers turned down due to hidden charges As per the perception of Boot, Ratnovski, (2016).There is several hidden charges and fees which are charged by banks from the borrowers. It is observed that borrowers are divulged a complete schedule of notes of charges which would be charged by banks from borrowers. However, due to high complexity it is hard for borrowers to estimate the total amount of hidden charges. In this case borrowers feel that banks are taking advantage of them which results into increment in their cost of borrowed money taken from banks. Moreover, some time banks and financial institutions apart from taking extra money for their services also indulge in imposing penalties and other fines on borrowers due to failure of payment of some installment. Results in failure of transparency Banks and financial institutions in UAE has to face failure of transparency in their banking and financial services. Hidden charges and other additional cost imposed by banks on borrowers result into less transparency in their banking and financial services. Nonetheless, these charges are uncertain which could only be identified on the happening of certain events. It is further observed that in order to increase the transparency all the banks should divulge all the terms and conditions while lending money to borrowers. Measure to reduce the hidden cost in banking sectors According to (Hassan, (2014) it is stated that there are several measures which could be implemented by banks and financial institutions in banking and financial sectors such as all banks could indulge in following standardized rules and regulation which would assist borrowers to understand banking system in very easy and determined approach. It is further observed that banking sectors should indulge in following international policies of transparency in order to win the trust of clients in determined approach. Consideration of cost of capital As per the views of Button Gee, (2013) it is depicted that Banks and finical sectors are indulge in providing banking and financial services such as lending money, deposit of money, other banking services. Banks and financial intuitions need to consider all the cost of capital before lending money to borrowers. However, there are several banks which compensate their cost of capital money by charging hidden cost on borrowers. Therefore it could be inferred that hidden charges are completely based on borrowers act. If borrowers make default in making payment of borrowed amount then there will be emergence of hidden cost. However, banks and financial institutions should make complete disclosure of all the terms and condition while lending money to borrowers. Conclusion: In this report various facts and figures have been collected which depicts that banks and financial institutions viability in their business functioning in UAE. However, banks in UAE are trying to reduce their hidden cost in their loans amount. Hidden rate is the rate which is not disclosed at time of granting loan to borrowers but charged in later due to occurring of some events. It is further observed that banks and financial institutions are complying with all the rules and regulation issued by center bank of UAE in their banking and financial services. However, it is true fact that all the borrowers are more concerned about taking loans from the banks at cheapest rate with high tenure. It is required by central authority of UAE to disclose all the charges and hidden information on their registered website so that all the clients could be kept vigilant. It could be inferred that if banks and financial institutions would made proper disclosure of all the relevant information includ ing data regarding hidden cost then it would help borrowers to monotones of their confident in banking and finical services in UAE. It will result into less bad debts, timely payment and increment in clients satisfaction in baking and financial services. It could be easily said that hidden charges in banking system of UAE are the major concern for the borrowers in raising loans from the banks and financial institutions. It is concluded that banks and financial institutions need to increase transparency in their banking and financial services in order to provide best quality services to borrowers in case of lending. Hidden costs are uncertain amount which is imposed due to some happening of events. It is up to borrowers to avoid this cost. If borrowers fail to make installment amount of borrowing money then it would be imperative that bank will impose hidden charges on borrowers. Now in the end it would be inferred that hidden cost which are required to be charged by banks and financ ial institutions. However, banks and financial institutions providing banking and financial services should make complete disclosure of their hidden cost at the time of providing loan to borrowers. References Al-Ali, J. (2008). 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