Poverty-Inequality Reduction in India Term Paper

Destitution Inequality Reduction in India - Term Paper Example With around two third of the populace living in the country zone, even urban neediness originates from the rustic relocation to the city. This paper is to take as through the different ways taken by the legislature in attempting to diminish destitution. In addition, an individual ought to be in a situation to comprehend the destitution and disparity experienced in India. What's more, it is imperative to comprehend the human neediness in India for the correct comprehension of the subject of destitution imbalance decrease in India. India has been encountering a less noteworthy development when contrasted with China; notwithstanding, contrasted and other creating nations the monetary development in India has been all the more intriguing. The GPD of India has been on the ascent throughout the previous two decades. One of the significant credits to this development in GDP, depends on the way that India has encountered a decrease in populace development. In increment in the per Capita and the GDP has been connected to the measure of basic change (Ghosh, Madhusudan, pg 3). The pace of speculation has expanded after some time. This circumstance has made India to have an expansion in per capita development, and this stands to about 36% increment, from the times of 1990s. Simultaneously, the GDP level of Agriculture has diminished and is presently found on the anticipated line. Be that as it may, not all divisions have encountered some monetary development or improvement. For example, since 1990s, the optional division has not encountered some development. On the segment of the tertiary area, truly expanded and now represents practically 50% of the pay of the country. The change experienced in the yield shares didn't go connected at the hip with an equivalent change in the workforce dispersion. This has been proceeding notwithstanding of the decrease on the horticultural offer and the breakdown of business produced from rural in the current decades. Throughout the previous two decades, the speculation high rate has not added to a grater

Boss Man Essay Example

Head honcho Essay Example Head honcho Essay Head honcho Essay Pick a sonnet which communicates a perspective you find upsetting. Clarify what distubs you about the artists perspective and examine to what degree you are in any case ready to respect the manner in which the sonnet is written.Carol Ann Duffys sonnet Havisham is an emotional monolog composed from the eyes of the scandalous character Miss Havisham who is extricated from Dickens’s Great Expectations. Miss Havisham is an upsetting character for various reasons brought about by the agony and hurt she has suffered for an amazing duration in the wake of being abandoned at the special raised area numerous years prior to the sonnet is set. All through Havisham we discover that there is more fundamental issues to Havisham than what was once recognized. Disdain totally obliterates Havisham and that as opposed to helping her to seek retribution, it aggravates her which brings about her detesting all men.In the main verse of the sonnet, we promptly find out about Miss Havisham through he r coarse genuineness. She is communicating the torment of being abandoned at the special stepped area as she uncovers her own sentiments of the man she was going to marry.â€Å"Beloved darling bastard.†Here we see Duffy opening the sonnet in an oxymoronic way. She utilizes this method to entise us in to the sonnet and to accentuate the difference of her rushed emotions towards her ex-darling. This is likewise an extremely disputable method of opening the sonnet, conceivably tossing us in at the profound end directly toward the begin to build up what sort of individual Havisham is and to set us up for the thrill ride ahead. Dearest being the man she once cherished, Sweetheart a word we normally call our friends and family and Bastard a hostile swear word. All exceptionally differentiating words which causes us to feel upset as we enter the sonnet. This opening of the sonnet is extremely unexpected and its as though weve strolled in on Miss Havisham amidst a breakdown. Its addi tionally climatic, something in which marry regularly observe toward the finish of a sonnet, building pressure however dubiously Duffy opens thusly

Conjugating the German Verb Sehen, Meaning to See

Conjugating the German Verb Sehen, Meaning to See The German action word sehen intends to see. It is one of the most-widely recognized words you may find in German content, positioning around 270 of every one robotized study. Sehen is an unpredictable or solid action word. This implies it doesnt keep a severe principle for conjugation. So as to conjugate it accurately, you should contemplate its various tenses and resort to remembering them. Stem-Changing Verbs The action word sehen is both a stem-changing action word and an unpredictable (solid) action word. Notice the change from e to ie in the du and er/sie/es current state structures. The past participle is gesehen. These anomalies can stumble you in perusing and composing employments of sehen. Sehen - Present Tense -  Prsens Deutsch English Particular Current state ich sehe I see/am seeing du siehst you see/are seeing er siehtsie siehtes sieht he sees/is seeingshe sees/is seeingit sees/is seeing Plural Present Tense wir sehen we see/are seeing ihr seht you all observe/are seeing sie sehen they see/are seeing Sie sehen you see/are seeing Models Using Present Tense for Sehen Wann sehen wir euch?When will we be seeing you folks)? Er sieht uns.He sees us. Sehen - Simple Past Tense -  Imperfekt Deutsch English Solitary Simple Past Tense ich sah I saw du sahst you saw er sahsie sahes sah he sawshe sawit saw Plural Simple Past Tense wir sahen we saw ihr saht you folks saw sie sahen they saw Sie sahen you saw Sehen -  Compound Past Tense (Present Perfect) -  Perfekt Deutsch English Solitary Compound Past Tense ich habe gesehen I saw/have seen du hast gesehen you saw/have seen er cap gesehensie cap gesehenes cap gesehen he saw/has seenshe saw/has seenit saw/has seen Plural Compound Past Tense wir haben gesehen we saw/have seen ihr habt gesehen you all sawhave seen sie haben gesehen they saw/have seen Sie haben gesehen you saw/have seen Sehen - Past Perfect Tense -  Plusquamperfekt Deutsch English Particular Past Perfect Tense ich hatte gesehen I had seen du hattest gesehen you had seen er hatte gesehensie hatte gesehenes hatte gesehen he had seenshe had seenit had seen Plural Past Perfect Tense wir hatten gesehen we had seen ihr hattet gesehen you all had seen sie hatten gesehen they had seen Sie hatten gesehen you had seen Future Tenses for Sehen German regularly substitutes the current state for what's to come. The model withâ sehenâ is Wirâ sehenâ uns morgen, deciphering too observe you tomorrow. The essential future tense would conjugate werden (will) and include sehen. Models; ich werdeâ sehenâ -I will see, du wirst sehenâ -you will see, wirâ werden spielenâ -we will play. The future impeccable tense is to some degree uncommon in German. It utilizes a conjugated type of werden and afterward puts haben or sein toward the finish of the sentence. For instance, ich werde gesehenâ habenâ -I will have seen. Orders Using Sehen sehe!â see!sehen Sie!â see! Different Uses of Sehen Sie sieht nicht gut. She doesnt see well.Wo hast du ihn gesehen? Where did you see him?

Writing a Good Argumentative Essay Topic

Writing a Good Argumentative Essay TopicWriting an argumentative essay is a different and exciting way to use the persuasive power of language. It's also a learning experience, an ability to write about something that is important in the world we live in. Writing an argumentative essay is about discovering your own voice as a writer and finding ways to describe issues that matter.One way to get started with writing argumentative essay topics is to look around you. See how others are describing things they love. Ask them what they think of and what you should write about. Keep in mind the kinds of questions people ask when writing an essay. The following list is a quick guide to some argumentative essay topics to consider.Education. This is a popular topic because many people talk about the importance of education. A broad range of subjects are covered, but you can include things like the need for more teachers, jobs and careers available to those with the right training, and the impo rtance of higher education for children and adults alike. What do you find valuable about education? What is it that you think will help make it better? Are there new approaches to education that you would like to explore?You may find it helpful to look at the United States' many educational systems and find what works for each one. For example, one could take a look at how California educates its students. They have more students per teacher than any other state. What makes California's system effective?Questions about a particular topic or issue in the news, political or economic events. Do you believe the issues affecting our country are critical? Do you feel strongly about a particular topic? Is there something that will help you make a statement in opposition to something? What are some things that you feel strongly about?Invitations to graduation ceremonies, high school graduations, sporting events, and other types of public events. Some people celebrate accomplishments and ac hievements by writing about these events. Others use it as a tool to express feelings they don't always feel comfortable expressing in a formal setting.Writing is a skill that you can develop in your everyday life and writing topics are a way to hone the skills. If you have a knack for writing, it is possible to write about topics that interest you.

Factors influencing buying behaviors in Metro Cities - Free Essay Example

Sample details Pages: 18 Words: 5333 Downloads: 5 Date added: 2017/06/26 Category Economics Essay Type Research paper Did you like this example? Life Insurance in its modern form came to India from England in the year 1818. Oriental Life Insurance Company started by Europeans in Calcutta was the first life insurance company on Indian Soil. All the insurance companies established during that period were brought up with the purpose of looking after the needs of European community and Indian natives were not being insured by these companies. Don’t waste time! Our writers will create an original "Factors influencing buying behaviors in Metro Cities" essay for you Create order However, later with the efforts of eminent people like Babu Muttylal Seal, the foreign life insurance companies started insuring Indian lives. But Indian lives were being treated as sub-standard lives and heavy extra premiums were being charged on them. Bombay Mutual Life Assurance Society heralded the birth of first Indian life insurance company in the year 1870, and covered Indian lives at normal rates. Insurance is an Rs 450 billion industry in India. The life insurance segment writes about 80% of the overall market value. Indian Insurance market was at its all time high in 2003 with a growth of about 17.4% over the pervious year. Since 2001 Insurance is growing at the rate of 15-20 % annually. The growth in the insurance industry is affected by volatility in real estate rates, GDP rates and long term interest rates. Fluctuations in exchange rates also affect the growth in this sector. The gross premium as a percentage of the GDP has gone up from 2.3 in the year 2000 to 4.8 in 2006. The premium as percentage of the countrys gross domestic product (GDP) has increased from 4.8 percent in 2006 to 5.2 percent in 2011. Together with banking services, it adds about 7% to the countrys GDP. Some of the important milestones in the life insurance business in India are: 1818: Oriental Life Insurance Company, the first life insurance company on Indian soil started functioning. 1870: Bombay Mutual Life Assurance Society, the first Indian life insurance company started its business 1912: The Indian Life Assurance Companies Act enacted as the first statute to regulate the life insurance business. 1928: The Indian Insurance Companies Act enacted to enable the government to collect statistical information about both life and non-life insurance businesses. 1938: Earlier legislation consolidated and amended to by the Insurance Act with the objective of protecting the interests of the insuring public. 1956: 245 Indian and foreign insurers and provident s ocieties are taken over by the central government and nationalized. LIC formed by an Act of Parliament, viz. LIC Act, 1956, with a capital contribution of Rs. 5 crores from the Government of India. Indian Insurance in 21st Century: 2000: IRDA starts giving licenses to private insurers: ICICI prudential and HDFC Standard Life insurance first private insurers to sell a policy 2002: Banks allowed selling insurance plans. As TPAs enter the scene, insurers start setting non-life claims in the cashless mode 2007: First Online Insurance portal, www.insurancemall.in set up by an Indian Insurance Broker, Bonsai Insurance Broking Pvt Ltd. 1.2. A brief introduction about project: The project is focused on analyzing the Internal and the External factors which aims at determining the customers buying behavior towards insurance products in India. It is mainly focused in trying to understand the various factors responsible for the buying decision, in order to try and understand these factors are a critical task. The purchase decision in general is prompt by number of factors viz. Psycho graphical, Economical, Social, Politico legal and Demographical. There are certain other factors which need to be understood while keeping in mind the investment decisions made by customers which includes Customer Buying Behavior, Customer Preferences, and Customers Perception, Brand Loyalty etc. 1.2.1. Objective of the Project: Primary Objective: To provide some simple tools that can be used for thinking about consumers, speculating about their possible behaviors, analyzing marketing problems from a consumer. To find how consumers learn about products and services from their environment and how they use this information to direct their behavior. Secondary Objective: To present a simple model in order to analyze the consumer decision making for IDBI. To give the information about customers values ,life styles and culture of the customers 1.2.2. Study and Research Methodology: Initially I have been interacting with customers directly in the field by various means like tele-calling, cold calling, campaigning and through references in order to know their interest whether to invest in insurance or not. Secondly a questionnaire has been developed by me in order to know the consumer behavior and as a data base (My time credit) for the company also. This study, which was conducted in the suburbs of Hyderabad city. The duration of the study was 4 months. The method which I used to collect the information was through questionnaire and personnel interaction. The data collection method was through random method and the sample size is moderate. I met around 180 people among them actual eligible were 150. The collection of primary and secondary data was then restructured and reevaluated according to the need and the objective of the study. The data thus collected undergone the various round of editing, coding and decoding .The target group for the stu dy was the age group of above 25 yrs. I have started searching for the potential consumers in the offices, employees from the natural market and around my residence Main Aim to conduct this study was to get the closer view of the consumers about life Insurance which was a little difficult as it is an intangible product .Filling up questionnaire from the people was a great experience as they ask all the information about the insurance terminology and it was a satisfying survey also as more and more customers are aware about the presence of IDBI Life Insurance. 1.2.3. FACTORS INFLUENCING THE BUYING BEHAVIOR: Understanding Consumer Buying Behavior offers consumers greater satisfaction. We must assume that the company has adopted the Marketing Concept and are consumer oriented. Cultural Factors: Culture is the most fundamental determinant of a persons wants and behavior. Whereas lower creatures are governed by instinct, human behavior is largely learned. The child growing up in a society learns a basic set of values, perceptions, preferences and behaviors through a process of socialization involving the family and other key institution. Subculture: Each culture contain smaller group of subculture that provide more specific identification and socialization for its members Social Class: Virtually all human societies exhibit social stratification. Stratification sometimes takes the form of a caste system where the member of different caste is reared for certain roles and cannot change their caste membership .More frequently, stratification takes the form of social classes .Social C lasses have several characteristics. First, Person with in each social class tends to behave more alike than persons from two different social classes. Second, persons are perceived as occupying inferior or superior positions according to their social class. Third, a persons social class is indicated by a number of variables, such as occupation, income, wealth, education , and value orientation, rather than by any single variable , fourth, individuals are able to move from one social class to another up or down during their lifetime. The Extent of this mobility varies according to the rigidity of social stratification a given society. Social Factors: A consumers behavior is also influenced by social factors, such as the consumers reference group, family, and social roles and statuses. Reference Group: A persons behavior is strongly influenced by many group .A persons reference group are those groups that have a direct (face to face) or indirect influence on the persons attitud es or behavior. Group having a direct influence on a person are called membership group. These are group to which the person belongs and interacts. Some are primary groups. With which there is fairly continuous interaction, such as family, friends, neighbors, and co-workers. Primary group tend to be informal. The person also belong to secondary group, which tend to be more formal and where there is less continuous interaction: they include religious organizations, professional associations, and trade unions. Family Group: Members of the buyers family can exercise a strong influence on the buyers behavior. The distinguish can be made between two families in the buyers life. The family of orientation consists of ones parents. From parents a persons acquires an orientation towards religious, politics, and economics and a sense of personal ambitions, self -worth, and love. Even if the buyer no longer interacts very much with his or her parents, the parents influence on the unconsciou s behavior of the buyer can be significant. In countries where parents continue to live with their children, their influence can be substantial. In case of expensive products and services, husband and wives engage in more joint decision making. The market needs to determine which member normally has the greater influence in the purchase of a particular products or services. Either the husband or the wife, or they have equal influence. How to succeed: Before establishing the base of product, they should engage in a lot of researches. Their researches were made on the peoples social life, personal tastes and preferences, way of life, how they identify an effective product and what makes them get attracted towards a product. The social and economic conditions were analyzed. A customers want has to be identified and his expectations must be matched with the other economic and social factors so that their product is receptive. This can be related to any product. Adapting to social conditions play the most important role in establishing brand in the market. This also means that customers are open to new and different products from time to time. Its just that they want the product to be flexible and adaptable to their needs and preferences. People are changing from time to time, so do their tastes and preferences. Identifying those is the first step towards achieving success and the rest depends on the performance of the product . 1.2.4. Changing customer trends: As insurance sector is becoming more and more competitive the consumers are changing the trends according to the situation. The survey reveals the main challenging trends in the consumer buying behavior. The profile of the typical insurance customer is taking a new and definite shape and one thing is clear: the customer is increasingly aware about internet, comparative pricing and increased bargaining power. In short customers have become more self sufficient, price sensitive, and less loyal. Lets take a look about the changing trends in consumers: Priority Relationship: Consumers want that insurers should give them a priority in every aspect. As insurers are already giving them priority they are more inclined towards increased attentiveness and less patient. They dont like to wait for the solution of their problem. So this will became a trend setting pattern in Insurance to satisfy these less patient consumers. 85% consumers give preference to Priority relationship. Less Formality: Consumers prefer those insurers who are having a quick processing of documents and less formalities and practice approach. 72% give priority to fewer formalities. Agent relationship and Transparency: Insurance is an intangible product and it is sold on sole trust on the agent (Advisor) of the company. Also the total transparency in the transactions the trust of the customer and help in increasing the business. Among 75% surveyed said that that they have purchased this product because they believe in their advisor and they like the performance of the company and they feel safe with this company. Want improved ease of purchase and interaction: Easy availability and more convenient interactions help in increasing the business.75% of total surveyed give priority for this. Knows information about insurance products: With consumers becoming more and more interactive in using the technology they are well versed with the knowledge of completion in insurance indu stry. 57% were regularly evaluating their insurance with other products. Price sensitive: Quote of insurance premium is gaining a more importance in Insurance industry as people are more inclined towards more coverage at fewer premiums. As it is in initial stage about 46% were aware about this. 1.2.5. Primary Factors Influencing Purchase Decisions: Consumers of Insurance products are mainly influence by various social, psychological and demographical factors but here are some primary factors about the insurance purchasing decisions. Brand: The consumers give most preference to the popular brand who has achieved the highest safety in the insurance market. Consumers feel trust about the popular brands and more inclined towards them. Life Stage: Life Stage plays an important part in the purchasing decision of the customer as youngsters are more inclined towards short term policies while middle age people are inclined towards family safety. Service: General image about the Service of the insurance companies plays an important part in the decision making. Companies with higher customer satisfaction and hassle free claims get maximum market share. Advice: Mostly consumers dont believe in the advisors but believe in their close friends and wife. In fact wife plays an important part in decision making. Product: A fter evaluating all these criteria people evaluate product feature. The product having most customer needs satisfying features sells the more. Price: Price plays an important role in purchasing behavior of consumers. Insurer with competitive price and more coverage with fewer premiums take the maximum market share 1.2.6. Insurer switching behavior: In the very competitive market like India switching from the trusted one to the new one happens through the following reasons: Poor Claims Service / Experience: Most people switch their insurer because of the default in the Service. Customers need faster settlement of the claims and hassle free settlement of the claim. Agent: People get influenced by the behavior of the Agent; if the agent is not fully prepared about the products of the company and having lack of knowledge about insurance companies then consumers are not wiling to buy insurance from them. Agent who is not quick responsive is also a major reason for switching Competitive Product: Consumers are more inclined towards the trend setting products than the traditional products Price: After service customers are more inclined towards the competitive price and getting maximum coverage for minimum premium. 2. Company profile 2.1. About IDBI Federal: IDBI Fortis Life Insurance Co Ltd, is a joint venture between three leading financial conglomerates Indias premier development and commercial bank, IDBI, Indias leading private sector bank, Federal Bank and Europes premier Banc assurer, Fortis, each of which enjoys a significant status in their respective business segments. In this venture, IDBI owns 48% equity while Federal Bank and Fortis own 26% equity each. IDBI Fortis launched its first set of products across India in March 2008, after receiving the requisite approvals from the Insurance Regulatory Development Authority (IRDA). Today, IDBI Fortis offers services through a vast nationwide network across the branches of IDBI Bank and Federal Bank in addition to a sizeable network of advisors and partners. IDBI Fortis endeavors to deliver products that provide value and convenience to the customer. Through a continuous process of innovation in product and service delivery IDBI Fortis intends to deliver world-class wealth m anagement, protection and retirement solutions to Indian customers. 2.2. Incomesurance: INCOMESURANCE is a combination of endowment and money back. Endowment means the insured person has maturity and death benefit and in case the insurer is safe and sound the money is given back to him with a ROI of 8% depending on the payout period. Money back gives returns every year after the premium period or after the maturity period customer will get lump sum amount. It gives a guaranteed annual payout which is the summation of minimum annual payout (MAP) and additional annual payout (AAP). GAP = MAP+ AAP MAP interest rate is declared earlier only AAP is based on G-Sec rate which is declared at the time of giving each premium. 2.3. Organization Charts: IDBI Life Insurance Organizational Chart: CHIEF EXECUTIVE OFFICER Mr.Nageshwara Rao COUNTRY HEAD Mr.Murali HUMAN RESOURCES HEAD Mrs. Radhika Venkatraman TRAINING HEAD Mrs. Vaishali Zonal -Wise Organizational Structure: COUNTRY HEAD Mr.Murali NORTH ZONAL HEAD EAST ZONAL HEAD SOUTH ZONAL HEAD Mr.Balaji WEST ZONAL HEAD COIMBATORE AREA HEAD Mr. Vijay Kumar m HYDERABAD AREA HEAD BENGALURU AREA HEAD MUMBAI LUCKNOW Area-Wise Organizational Structure: BRANCH HEAD COIMBATORE AREA HEAD Mr. Vijay Kumar BAND 3 BAND 2 BAND 3 BAND 2 BAND 1 CORPORATE CHANNELS BAND 1 BAND 3 BAND 2 BAND 1 DISTRIBUTION CENTER BANKS AGENCY MANAGEMENT TRAINEES T To be the leading provider of wealth management, protection and retirement solutions that meets the needs of our customers and adds value to their lives. Our Mission: To continually strive to enhance customer experience through innovative product offerings, dedicated relationship management and superior service delivery while striving to interact with our customers in the most convenient and cost effective manner. To be transparent in the way we deal with our customers and to act with integrity. To invest in and build quality human capital in order to achieve our mission. Our values: Transparency: Crystal Clear communication to our partners and stakeholders Value to Customers: A product and service offering in which customers  perceive value Rock Solid and Delivery on Promise: This translates into being financially strong, operationally robust and   having clarity in claims Customer-friendly: Advice and support in working with customers and partners Profit to Stakeholders: Balance the interests of customers, partners, employees, shareholders and the  community at large. IDBI Federal offers various products: Healthsurance Bondsurance Wealthsurance Retiresurance Loansurance Incomesurance Group microsurance Termsurance Homesurance COMPETITORS OF INCOMESURANCE: Aviva Dhanvridhhi plan of Aviva insurance Classic Endowment plan of birla sunlife 3. Project Overview This project can be bifurcated mainly into two streams one is market research and the other is the sales of insurance. Both these processes can be done simultaneously. In market research, I need to approach at least 4 customers per day and give them a clear idea of what are the various products offered by IDBI and how they give benefits than other companies products and recommend them for the best suitable product. Next comes the sales part, I need to sell Insurance policies to customer there are many possible ways of selling insurance like approaching the known members (relations, friends, etc.,) i.e., via natural market or through hard core marketing i.e., from various databases and so on. The market research was undertaken with the help of a questionnaire designed by me .The questionnaire consists of the personnel details of the consumer his opinion and idea about the use of insurance policies .Whether he is interested in buying insurance or not and is he/she aware of the var ious products offered by IDBI Fortis For the sake of clear understanding of the work done by me so far, I have written the progress in a weekly schedule and the database is available as My Time Credit which also consists of the list of customers I have interacted through calls or met personally. 3.1. SCHEDULE FOR 14 WEEKS OF SIP IN GANTT CHART 3.2. Sampling plan: Since it is not possible to study whole population, it is necessary to obtain representative samples from the population to understand its characteristics. Sampling units: The target population of the study includes the general population above the age of 25 years. The individual respondents for studying customer buying behavior selected randomly from different areas in Hyderabad, like various shopping malls and markets, and among working men, women and professionals and housewives of Hyderabad. Sampling technique: Random sampling Research instrument: structured questionnaire Sample size:150 respondents The procedure that we followed consisted of: Choosing the relevant questions to ask in the questionnaire Designing the questionnaire Deciding on an objective Developing survey instruments Getting the right mix of respondents to take the survey Analyzing the various data and their influencing factors 3.3. Data Interpretation: Out of 150 participants who take the survey,75 % were employed in the service sector,25% were businessmen, 20% were professionals,10 % were not employed and 20% did not disclose their occupation. With regarding to income of the participants,50% were earning less than Rs.150000 p.a. 42% were earning between Rs.200000 p.a. and Rs.500000 p.a. 25% were earning above Rs. 500000 p.a. 13% did not disclose their income.7% were earning very less income. Do you have a life insurance policy? If yes, Please mention the details of the policy below Response No. of Respondents Share % Yes 125 125 No 25 25 Total 150 150 Out of the 125 people who had insurance, 75 people had a policy with the Life Insurance Corporation of India while 20 people had a policy with a private insurer. Others did not enclose their option. Name of the policy: Response No. of Respondents Share % LIC 75 78 Private 20 21 Total 95 99 2. What are your main reasons for buying insurance or what would be the likely reason for buying an insurance policy? Response No. of Respondents Tax 65 Investment 20 Security 75 Disciplined saving 35 Retirement 15 Others 5 Security is the main reason why people buy insurance,75 out of 150 people have chosen security as one of their main reason for buying insurance .we can note that savings in tax is still an important factor in the consumers buying decision as 65% of participants in the survey have said that tax is one of their main reasons for buying insurance. Only 15% of people have chosen pension as the main reason for buying insurance. The reason for this could be due to the age group of the people who took the survey; a large number of people were in the age 25-35 age and this age group tends not to think that far in to the future. Insurance companies should target this age group with regards to pension plans as the sooner one starts saving for a pension, the better it is for the individual .Also ,people in the 25-35 age group have a higher disposable income and are in a position to afford such products . 3. What criteria do you apply for selecting an insurance company? Response No. of Respondents Service 74 Trust 80 Advertisements 60 Recommendations 20 Agent 12 Features of Products 30 Trust is the main criteria in selecting the company .Secondly service take the second place. Even advertisements also plays good role in selecting the company. 4. When asked to rate the importance for each factor the respondents were as follows Factor No impact Minor impact Moderate impact Major impact Only factors for buying service 4 10 80 3 Trust 4 10 90 0 Advertisements 20 0 20 80 0 Recommendations 6 18 40 25 2 From friend/family 60 20 6 20 0 Agent 23 28 18 14 0 Features of product 1 7 11 50 10 According to the survey trust, service and advertisements are the main criteria in selecting an insurance company, while agents, recommendations from friends and family had no or little impact in the buying decision. From this we can decide that trust can only be built by payment every time. With so many companies in the market, it is imperative that service will improve through out the industry due to increased competition. Brand name is a priority to me while buying insurance Strongly Disagree Mildly Disagree Neutral Mildly Agree Strongly Agree 0 8 10 18 90 I only buy insurance from well known organizations Strongly Disagree Mildly Disagree Neutral Mildly Agree Strongly Agree 2 5 0 20 95 Most of the people buy insurance only from well known organizations that too people prefer braded organizations. What type of Advertisements are influential in my knowledge of insurance products Response No. of Respondents Television 100 E-mails 10 Bill boards 5 Door to door 20 Company calls 9 Here we can see that most of the people prefer advertisement which is influencing them 8. Which type of insurance policy would you entertain with increase in return Response No. of Respondents Whole life policy (5 to 6% low risk) 48 Endowment (9% moderate) 75 ULIP (gt;15% high risk) 23 Equity (very high risk) 4 Total 150 9. Do you know about IDBI? Response No. of Respondents Yes 125 No 25 If yes in what mode Response No. of Respondents IDBI bank 77 IDBI Fortis life insurance 48 Here we can observe that most of the people know about IDBI but in the mode of bank .Only 48 out of 125 aware of IDBI Federal Life Insurance. This shows that more penetration should be done for the IDBI Life Insurance and its products. 10. Do you know about any of the following Insurance plans offered by IDBI Fortis? Response No. of Respondents Yes 48 No 102 If YES: Response No. of Respondents Incomesurance 45 Wealthsurance 3 Homesurance protection plan 0 Termsurance 0 Retiresurance 0 A major area of concern was providing more information to customers and improving the service of the agent. More specifically the customers gave the following suggestions; Free online software to compute premium payable and returns; and compare the same with policies/products offered by the insurance company. Reminding the customer to pay the premium in time Not phoning the customer when they do not disturbed? 4. Conclusions: The important factor, which has been recognized from the data that has been collected, is that 75% of the people who took part in the survey had a life insurance policy. This shows that insurance as a sector is picking up in this country. Another important point to note regarding the life insurance buying behavior of individuals is that people give most important to their security and that is their main reason for buying insurance. However, tax savings come a close second with 65 people choosing tax as a reason for buying life insurance. Other factors (savings and investment) increase the attractiveness of insurance among people People place a high amount of weight age to factors like trust and service while selecting an insurance company .it is important to note that factors like agent or recommendations do not place high among the people taking the survey .This shows that the consumer mindset is maturing, now people take insurance according to their needs and not due to their fear. They understand their needs. Due to this reason now people first concentrate on policy scheme and brand, when they are going to choose an insurance company and policy. Whole life policy is popular due to family need and can be used as a method of controlled savings, Endowment policy is popular due to life stage need and offers decent returns ULIP is popular amongst those consumers who want to combine investments with the benefit of insurance. Security is the number one reason why people buy insurance today. Insurance companies can help enhance the other factors in the eyes of consumers and tap those individuals who are interested in investment or disciplined savings. Advertisements also played a very good role in the buying decision of the consumer .It gives the insurers an opportunity to take a different approach when it comes to advertisements in the television as well as the news paper. Insurance policies give good returns but it cannot complete with other finan cial tools (i.e. equity).So there is basic need to increase the return on investment with regard to insurance products. In India people think that insurance is a tax saving and a protection tool ,not an investment tool .If insurance companies increase awareness among the public that insurance is a good alternative investment ,this will work as value added service which will increase penetration of the Indian market. A lot of people are not satisfied from the post service of insurance companies due to dependence on agents or lack of knowledge about the process, so there is a need to increase awareness about self service, product features and training of insurance agents and staff. Insurance is a long term contract and saving tool, and policy holders may feel less interested towards their policy or may surrender their policy. Insurance companies need to motivate their customers and educate them about the importance of their policy and ensure that they do not surrender or let the ir policy lapse. People are not aware of IDBI products, so this is an area where company need to increase awareness among the consumers. 5. Recommendations: IDBI Federal Life Insurance should look forward for more interactions with customers through arranging the annual meeting. Insurance policy gives good return but it cannot compete with other financial tools (i.e. equity). So this is basic need to increase return in the field of insurance sector. IDBI Federal Life Insurance should illustrate the most successful products through local news paper. Encouraging the young people for the insurance particularly the 3 yr premium Products will be more beneficial Policy scheme is main factor to choose insurance company. If insurance companies give more concentration on policy scheme then they can compete with another financial tool in better way (i.e. equity and mutual fund). In India people think that insurance is tax saving and protection tool, and not investment tool. If insurance company increase awareness among public, that insurance is good alternative saving and investment tool, this will do work as a value added service which will increase penetration in insurance sector Now only product knowledge is not sufficient for selling insurance, some thing should be added up in training program like human behavior, CRM, knowledge of other financial tools, communication program, and especially how to improve way of delivery. Mostly, people are not satisfied from the past service of insurance companies due to dependence on agents or no knowledge about process, so there should be need to increase awareness about self service and awareness among people by training and advertisement. Insurance is long term contract and saving tool, after a time people feel less interested towards it, so time to time motivation is important. 6. APPENDICES APPENDIX-I INSURANCE QUESTIONNAIRE This is a questionnaire intended to determine the factors which leads to buying of insurance products. Name: Age: Contact Number: Occupation: Annual income: Address: 1. Do you have a life insurance policy? If yes, Please mention the details of the policy below Yes company name†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ Type of Product†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ No 2. What are your main reasons for buying insurance or what would be the likely reason for buying an insurance policy? Tax Investment Disciplined saving Retirement others 3. What criteria do you apply for selecting an insurance company? Service Trust Advertisements Recommendations Agent Features of Products 4. Rate the importance for each factor (Tick in the appropriate box) Factor No impact Minor impact Moderate impact Major impact Only factors for buying Service Trust Advertisements Recommendations From friend/family Agent Features of product Brand name is a priority to me while buying insurance Strongly Disagree Mildly Disagree Neutral Mildly Agree Strongly Agree I only buy insurance from well known organizations Strongly Disagree Mildly Disagree Neutral Mildly Agree Strongly Agree I expect good returns while investing in insurance Strongly Disagree Mildly Disagree Neutral Mildly Agree Strongly Agree Life cover is vital in an insurance policy Strongly Disagree Mildly Disagree Neutral Mildly Agree Strongly Agree My spouses choice influences my decision to buy insurance Strongly Disagree Mildly Disagree Neutral Mildly Agree Strongly Agree What type of Advertisements are influential in my knowledge of insurance products Television E-mails Bill boards Door to door Company calls Insurance agents have convinced me to buy products previously Strongly Disagree Mildly Disagree Neutral Mildly Agree Strongly Agree Amount of premium to be paid decides which insurance I would buy Strongly Disagree Mildly Disagree Neutral Mildly Agree Strongly Agree Are you married? i) If married to whom you will insure wife Child Parents Yourself ii) If you are single to whom you will insure Parents Brothers Sisters Yourself 14. What are the features you consider before taking an Insurance policy? Insurance Coverage High Returns Low premium amount Flexible withdrawals Risk Involved Others 15. Which type of insurance policy would you entertain with increase in return Whole life policy (5 to 6% low risk) Endowment (9% moderate) ULIP (gt;15% high risk) Equity (very high risk) 16. Do you know about IDBI? i) Yes ii) No If yes in what mode IDBI bank IDBI Fortis life insurance 17. Do you know about any of the following Insurance plans offered by IDBI Fortis? i) Yes ii) No If YES: Incomesurance Wealthsurance Homesurance protection plan Termsurance Retiresurance APPENDIX-III Sample of My Time Credit Database Customer name Age Mobile number email id Address Sravan.T 23 9676999797 [email  protected]/* */ Hyderabad Satish.M 42 9246181857 no Challapalli Sita Maha Lakshmi. 60 9701740350 no Mekavaripalem T.V.Laksmi 45 9391306066 [email  protected]/* */ Hyderabad Prassana.M 28 9247202968 [email  protected]/* */ Hyderabad Ramesh.M 45 9299052340 no Vijayawada Manasa.S 24 9951736393 [email  protected]/* */ Tirupathi Rajya Lakshmi.k 55 8008665052 [email  protected]/* */ Indore Masood Khan 34 9866975670 [email  protected]/* */ Hyderabad prasad.T 53 9490490738 no Khammam Sujatha.k 34 9493217915 no khammam Vimala.T 43 9703244154 no Khammam Bhadhram 38 9949475696 no Khammam Swatantra.J 29 7893482851 no Hyderabad Aruna Mandava 38 no no Hyderabad Nagaraju.B 28 9948263630 no Hyderabad Bhavani Meka 40 9247927490 no Challapalli Shalini.V 23 8019393207 [email  protected]/* */ Hyderabad Lakshmi 40 no Khammam Praful Laxman Fulzele 26 9505680508 [email  protected]/* */ Hyderabad Subbarao.M 42 9849236465 no Hyderabad Anand.M 24 9989606504 [email  protected]/* */ Hyderabad Ram chandra rao.M 29 9246873067 [email  protected]/* */ Hyderabad U.Veera Brahmam 27 9885796006 [email  protected]/* */ Rajmundry P.Naveen Sagar 22 9177706112 [email  protected]/* */ Hyderabad C.Madhav Bhaskar 23 9866874504 [email  protected]/* */ Chennai K.Kiran 23 9642125321 [email  protected]/* */ Vishakhapatnam Padavala Kiran 26 9160023089 no Rajmundry B.S.Vivekananda 52 7600038023 [email  protected]/* */ Ahmedabad

The For The Homeless Population - 1695 Words

Introduction The population I chose for this treatment group is the homeless population with a focus on life skills; more specifically with barriers to employment. The general population puts unrealistic expectations upon the homeless rather than meeting them with empathy and realistic support. Having a support group for the homeless population to talk to one another is beneficial in numerous ways. The group members can share tips and tricks, can validate one another, can build a sense of belonging and camaraderie, and the group could provide a safe outlet to learn, on their own terms, basic life skills to improve the populations day to day struggles. People often times believe the homeless are lazy and say â€Å"why don’t they just find a†¦show more content†¦Life skills as a treatment approach for the homeless population in a group setting has the possibility of having a large variety of levels of societal functioning. For example, we could have a group with a range of very low functioning adults that suffer from mental illness or developmental disabilities or very high functioning adults that may suffer from substance abuse or job loss. This range of members could prove to motivate or hinder progress depending on what type of members join and where they are in knowledge and skills pertaining to independetn living. Exclusions from the group would be active substance users, if under the age of eighteen, if miss more than two sessions with inadequate excuse. I also would address a late policy as to not miss too much of each session and as it would be a distraction to other members. Instructor preparation for this group would be securing a location to conduct the group, exploring the community to find resources and talk to agencies that can support the group or offer services available. 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Essential Component of Contemporary People †Myassignmenthelp.Com

Question: Why Is Employee Engagement An Essential Component Of Contemporary People Management? Answer: Introducation: Employee engagement refers to the approach through which an organization motivates the employees to work harder. An engaged employee is fully involved and enthusiastic for his or her work. The engaged employees are attracted, inspired and committed towards their work. The engaged employees care for the future and the profits of the company. It refers to the attachment of the organization towards their place of work, job role and position within the company. The culture of the organization is correlated with the employee engagement and eventually productivity of the organization (Breevaart et al., 2006). The employee engagement involves the use of new measures and initiatives to increase the attachment of the employees with the organization and therefore increase the productivity and the business success. The employee engagement theories state that the employees who are engaged within the organization remain loyal and more productive in comparison to other employees. Moreover, employe e engagement works as a motivation during difficult economic and personal times. Therefore, the organizations adopt a large number of human resource practices to achieve employee engagement. It includes practices in recruitment, performance management, and human resource development and employee reward system (Albrecht et al., 2015). A business organization can adapt practices to increase the employee engagement towards the organization. An organization can adapt its recruitment and selection strategy to increase the employee engagement in the organization. Today, most of the companies understand that employee engagement is essential for the productivity of the business; however, a large number of people are not engaged in the business organizations. The disengaged employees are willing to jump to other companies and do not shy away in doing damage to the companies. The organization also needs to employ employee engagement methods as lower engagement is associated with decreased productivity, growth and quality of services. It also increases the employee turnover and employee dissatisfaction (Cook, 2008). In order to increase the employee engagement, the organization should implement new strategies at each stage of HR process. In the recruitment, the organization can engage the employees by keeping the job descriptions straightforward and realistic. The HR manager should also assure that the career goals and passion of the employees align with the position offered by the company. The HR manager should also scrutinize whether the behavior and personality of the employee fits with the culture of the organization. The employees are more likely to get engaged if they are clear about their job role and what is expected of them. Moreover, they are also more likely to get engaged if they know the career opportunities and advancements (McPhie, 2009). The HR manager should also manage the hiring process by making the applicants informed regarding the process and making them feel that they are an important part of the organization. The employees should be welcomed in the organization by providing welcoming email or sharing an interesting article about the company (McPhie, 2009). In a business organization, the employee engagement can also be encouraged by adopting different strategies in human resource development. The Human Resource Development is directly associated with the attaining organizations goals and competitive advantage. Training and development are crucial part of the human resource development of the organization. The employee training is a learning experience which can bring change in the behavior of the employees to increase the productivity (Shuck et al, 2014). Employee training is associated with the improvement of the employees skills which can improve their performance through employee engagement. Training is crucial for the employee engagement as when the employees are provided with the training to manage their stress at work or home, they become more productive and engaged towards their work. The training in the professional domain will reduce the employees error in their work which will reduce their stress with work and eventually incr ease their engagement with the company. The employees can also be trained in conflict management, stress management and ethical training to increase their engagement with the organization. If the employees are provided with the training and development in a transparent manner, they will become more engaged with the organization. Ethical training is also commonly used to increase cooperation between the employees and the teachers. The employees provided with the ethical training are more cooperative because ethics increases the feeling of caring and cooperation. The face to face and distance ethical training both have significant positive impact on the employee engagement (Azeem and Paracha, 2013). After the selection of the employees, the organization can motivate them by providing attractive remuneration. The employees can be engaged within the organization by aligning the performance of the employees with their compensation. The performance management has a positive impact on the employee engagement of the organization. If the performance management of the employees is done correctly, it can increase the performance of the employees. The performance management includes all the activities referring to the development, feedback and the professional growth of the employees (Balakrishnan, Masthan and Chandra, 2013). A business organization can increase the employee engagement by adopting several strategies such as providing high quality informal feedback, accurately evaluating the performance of the employees, creating clear and concise work plans and timetables. In the performance management, an organization can adopt several strategies to increase the performance management of the employees. It includes clarity, support, fit, feedback and development of the employees. The employee engagement can be drastically increased by providing clarity regarding what the expectations of the organization with the employees and providing them with challenging yet realistic goals. The organization should also adopt strategies to provide support to the employees. The support can be provided to the employees by providing them with the tools and training which are a part of the performance management process. The HR manager can identify the weakness areas of the employees in the performance management process. Feedback is also a part of the performance management which can increase the performance of the employees and increase their engagement of the organization. With feedback, the organization can extract the best potential of the candidates. The performance management is used to identify the highest potential candidates. The highest performing employees can be engaged with the organization by using effective reward strategies. It is important for any organization to provide an effective reward system which motivates and engage the employees with the organization. The business organizations can use effective reward strategies such as monetary or non-monetary rewards to compensate them for their productivity. It could be examined that several factor work together to engage the employees in the workplace. The contribution of these factors varies in strength and their appeal to the workers. The career growth opportunities, health benefits, job training and interaction with the co-workers contribute significantly to the success of the organization. Career development is one of the most significant factors in the employee training; therefore, the organization should invest in the employee training. The organization should iden tify the opportunities for upward mobility so that the employees can take up higher roles and use the obtained skills effectively. In addition to it, the organization should also encourage job rotation so that the employees can learn regarding different job roles and overall business operations of the organization. The remuneration is essential for retaining talented employees in the organization. The organizations should focus on retaining skilled talent with the organization by investing in policies and practices which foster engagement and commitment in the organization. After the recruitment of the candidate, the salary and the package of the employees is the best contributor to increase the employee engagement. The social exchange theory states that the interaction with the coworkers is significant in engaging the employees within the organization (Bal and De Lange, 2015). The employees feel happy and focus on their jobs if they are satisfied with their work environment. If the employees get the feeling that they have enough growth opportunity in the organization, they will get engaged towards their job (Kimutai and Sakatala, 2015). It can be concluded that the employee engagement is an essential component of the contemporary business management. Employee engagement is essential in the retention of the employees and obtaining maximum output from them. The employee engagement is essential for increasing the productivity of the organization and retains the talented employees within the organization. The companies implement a number of strategies for increasing the engagement of the employees within the organization. These strategies can be implemented at all the stages of human resource management. The organization should be clear and transparent in the job description, selection process of the employees and selects the candidates whose personality aligns with the goals of the organization. In the performance management, the organization should adopt an accurate performance evaluation system and provide periodic feedback to the employees. Reward system is also essential for the engagement of the employees within t he organization. References Albrecht, S.L., Bakker, A.B., Gruman, J.A., Macey, W.H. and Saks, A.M., 2015. Employee engagement, human resource management practices and competitive advantage: An integrated approach.Journal of Organizational Effectiveness: People and Performance,2(1), pp.7-35. Azeem, M.F., Paracha, A.T. (2013). Connecting Training and Development with Employee Engagement: How Does it Matter? World Applied Sciences Journal 28(5), 696-703. Bal, P.M. and De Lange, A.H., 2015. From flexibility human resource management to employee engagement and perceived job performance across the lifespan: A multisample study. Journal of Occupational and Organizational Psychology, 88(1), pp.126-154. Balakrishnan, C., Masthan, D. and Chandra, V., 2013. Employee retention through employee engagement-A study at an Indian international airport. International Journal of Business and Management Invention ISSN (Online), pp.2319-8028. Breevaart, K., Bakker, A., Hetland, J., Demerouti, E., Olsen, O.K. and Espevik, R., 2014. Daily transactional and transformational leadership and daily employee engagement.Journal of occupational and organizational psychology,87(1), pp.138-157. Cook, S. (2008). The Essential Guide to Employee Engagement: Better Business Performance Through Staff Satisfaction. Kogan Page Publishers. Kimutai, K.A. and Sakatala, W. (2015). Effect of reward on employee engagement and commitment at Rift Valley Bottlers Company. International Academic Journal of Human Resource and Business Administration, 1 (5), 36-54. McPhie, N.A.G. (2009). Power of Federal Employee Engagement. DIANE Publishing. Shuck, B., Twyford, D., Reio, T.G. and Shuck, A., 2014. Human resource development practices and employee engagement: Examining the connection with employee turnover intentions. Human Resource Development Quarterly, 25(2), pp.239-270.