Business Commons^™

New Product Launch Decisions Under Competition And Uncertainty: A Real Options And Game-Theoretic Approach To New Product Development, James O. Ostler

Theses and Dissertations

New product development is central to many firms' future success. Not only as a means to continue to maintain their piece of the market, but product development can also be a strategic means for a company to diversify, and/or alter focus to adapt to changing market conditions.

Most of the research in new product development has been on how to do it cheaper and faster than the next guy. However, early commercialization does not guarantee a position of strength in the market. Failures of EMI in CT scanners and Xerox in personal computers illustrate that being first to market does …

Front Matter, Journal Of Microfinance

Journal of Microfinance / ESR Review

No abstract provided.

Realizing Mission Objectives: A Promising Approach To Measuring The Social Performance Of Microfinance Institutions, Katarzyna Pawlak, Michal Matul

Journal of Microfinance / ESR Review

This paper proposes a new approach for measuring the social performance of microfinance institutions. The key to developing sustainable social performance measurement (SPM) systems and practices is to consider their design from the perspective of the organizational mission. The fact that the SPM system is built on the organizational mission ensures its cost-effectiveness and facilitates its institutionalization. It not only stimulates an MFI to verify the fulfilment of its social mission and to innovate in the search for optimal solutions to address development needs in a given intervention context, but it also can improve its financial condition through client segmentation …

Foreign Exchange Risk Management Practices Of Microfinance Institution, Peter R. Crabb

Journal of Microfinance / ESR Review

Foreign exchange risk remains a significant problem for microfinance institutions (MFIs). Many sources of potential funding for MFIs remain untapped due to the high risks of currency devaluation faced by these funding sources. Specifically, debt capital is available for MFIs but foreign exchange risk is a potential deterrent. This paper reviews current practices in the management of foreign exchange risk for and by MFIs. The advantages and disadvantages of these practices are discussed and alternative practices proposed.

Scoring Arrears At A Microlender In Bolivia, Mark Schreiner

Journal of Microfinance / ESR Review

Can scoring models help microlenders in poor countries as much as they have helped credit-card lenders in rich countries? This paper presents a scorecard that predicts the probability that loans from a microlender in Bolivia will have arrears of 15 days or more. Although arrears in microfinance depend on many factors difficult to include in scorecards, the paper shows that inexpensive, simple-to-collect data does have some predictive power. In micro-finance, scoring will not replace loan officers, but it can flag high-risk cases and act as a cross-check on loan officers' judgment.

The Transformation Of The Microfinance Sector In India: Experiences, Options, And Future, M. S. Siriaram, Rajesh S. Upadhyayula

Journal of Microfinance / ESR Review

This paper discusses the growth and transformation of microfinance organizations (MFO) in India. Issues that have triggered transformation include size, diversity, sustainability, focus, and taxation. Transformation experiences in India are few. To move to the mainstream, non-governmental organizations (NGOs) choose from three popular forms of organizations: non-banking finance companies (NBFCs), banks, and cooperatives. It appears that there is no ideal path for spin-off. Regulatory changes are needed to allow MFOs to graduate to other legal forms as they grow organically. NGOs must be permitted to invest in the equity of MFOs, as is the case in Bolivia and Africa. Norms …

Impact Of Microfinance Programs On Children's Education: Do The Gender Of The Borrower And The Delivery Model Matter?, Nathalie Holvoet

Journal of Microfinance / ESR Review

This article highlights the effects particular features of microfinance programs have on childhood education. Using data from a South India household survey, the article examines how microfinance impacts schooling and literacy, how credit enters the household, and who brings it in. Regression results show that, in the case of direct bank-borrower credit delivery, it does not matter whether credit enters the household through the mother or the father. However, large differences occur when mothers obtain credit through women's groups. Analysis indicates that combined financial and social-group intermediation leads to higher educational inputs and outputs, mainly for girls. Individual interviewis with …

Microleasing: The Grameen Bank Experience, Asif Dowla

Journal of Microfinance / ESR Review

Grameen Bank was the first microfinance institution (MFI) to introduce microleasing on a large scale. This paper provides a preliminary evaluation of Grameen's leasing program. Instead of providing a full-fledged impact assessment study, we examine the terms and conditions of the leasing program and evaluate its success in terms of outreach, repayment rate, and asset ownership.Analysis of program level data shows that the program is successful in terms of outreach and repayment performance. Through the program, poor men and women have become owners of power tillers, power looms, shallow machines, cellular phones, and even computers. The success of leasing suggests …

The Experience Of Financial Institutions In The Delivery Of Microcredit In The Philippines, Maria Abigail Carpio

Journal of Microfinance / ESR Review

This paper identifies the characteristic features of the different financial market players involved in the delivery of microcredit in the Philippines and looks into their experiences in addressing the credit demand of the small-borrower market segment, particularly the microenterprise sector. This paper argues that each group of lenders, specifically commercial banks, rural banks, credit-granting NGOs, and an apex financial institution, allocates its funds by establishing its own criteria for assessing the creditworthiness of borrowers and its own mechanisms to avoid borrower default. The delivery of microcredit takes place within an environment where the different financial market players face their own …

Vol. 06 No. 2 Journal Of Microfinance, Journal Of Microfinance

Journal of Microfinance / ESR Review

No abstract provided.

Install Your Own Wireless Network, William G. Heninger, Craig J. Lindstrom, Bryce H. Peterson, Marshall B. Romney

Faculty Publications

Would you like to access the Internet, your printer and your other computers, including laptops, without stringing wires throughout your office or home? The solution is a wireless local area network (WLAN) and we'll tell you how easy it is to install one yourself at a nominal cost. WLANs replace conventional wires with devices called wireless access points that plug into any electrical wall socket. WLAN hardware contains miniature transmitters and antennae that send and receive radio signals to and from your computers and other peripherals.

When And How Trustworthiness Matters: Knowledge Transfer And The Moderating Effect Of Causal Ambiguity, Robert J. Jensen, Gabriel Szulanski, Rossella Cappetta

Faculty Publications

The recognition that better use of existing internal knowledge could enhance survival chances or organizations has spawned substantial interest in the transferability of routinized, experiential learning to additional settings within the organization Previous research has established that trustworthiness of the source enhances such knowledge transfer. More recent work, however, suggests that this may not always be the case. Yet, little systematic attention has been paid to moderating conditions. The major purpose of this paper is to identify a moderator, causal ambiguity, which delineates the conditions as to when and how a recipient's perception of the trustworthiness of a source affects …

The Organizational Analysis Of Non-Governmental Development Organizations (Ngdos), Urelmaa Tsolmon

Theses and Dissertations

This paper uses the current organizational ecology theory to clearly define organizational population ecology constructs of non-governmental development organizations, and offers specific terminology and understanding of main organizational forms and relational dynamics that define the population ecology of these organizations. The paper examines closely the significance of such interaction and interdependence through transactional relationship of obtaining and distributing of resources and forces of competition. Original organizational theory frameworks are offered for future NGDO organizational research.

Family Differentiation, Family Recreation, And Symptoms Of Eating Disorders, Birgitta Lynne Baker

Theses and Dissertations

The purpose of this study was to examine the relationships between family differentiation, family recreation and symptoms of eating disorders. The Family Intrusiveness Scales, the Perceived Social Support from Family, the Family Leisure Activity Profile and the Eating Attitudes Test were used. Participants were students at two large universities, one in the East and one in the West. Data were analyzed using correlation and ANCOVA. Findings supported the hypothesis that a positive relationship exists between family leisure involvement and family differentiation. In addition, a negative relationship between family differentiation and symptoms of eating disorders for individuals whose parents are not …

An Examination Of Perceptions For Family Acculturation, Family Leisure Involvement, And Family Functioning Among Mexican-Americans, Owen D. Christenson

Theses and Dissertations

The purpose of this study was to examine the relationship between acculturation and aspects of family functioning (cohesion and adaptability) and family leisure involvement from Mexican-American parent, youth, and family perspectives. Acculturation of parents, youth, and families was measured using the Bidimensional Acculturation Scale for Hispanics (BAS). Family leisure involvement was measured using the Family Leisure Activity Profile (FLAP). Aspects of family functioning were measured using the Family Adaptability and Cohesion Evaluation Scales (FACES II). Sociodemographic variables such as age, gender, generation, family size, income, and education were also used to help predict levels of acculturation for family perspectives. The …

An Examination Of The Meaning Of Family Recreational Storytelling Among Parents And Their Adult Children, Kelly Gagalis-Hoffman

Theses and Dissertations

The purpose of this study was to determine the role and function of family recreational storytelling across the lifespan from the perspective of parents and their adult children. Twelve adults, (six pairs of adult children and their parents) were interviewed. Questions focused on ascertaining the meaning of storytelling (including the role, purpose, and function) from the perspectives of the parents and children from the same family unit. Interviews were transcribed and themes were identified and reported. Participants reported that stories generated feelings of safety, comfort, and security, and often helped create a sense of importance and belonging for individual family …

Stickiness And The Adaptation Of Organizational Practices In Cross-Border Knowledge Transfers, Robert J. Jensen, Gabriel Szulanski

Faculty Publications

The re-use of organizational practices in multiple locations is a fundamental way MNCs leverage knowledge to seek competitive advantage. Scholars approaching the issue of adaptation from both a market and an institutional perspective argue that, in order to achieve fit with the local environment, some degree of adaptation is advisable with the need for adaptation increasing as the institutional distance between source and recipient locations increases. However, arguments to date have examined the effect of adaptation primarily on a subsidiary's long term performance. A necessary precursor is to understand the effect of adaptation on the transfer process itself as transfer …

Body Image And Beliefs About Appearance: Maternal Influences And Resulting Constraints On Leisure Of College-Age Women, Toni Liechty

Theses and Dissertations

The purpose of this study was to examine the relationship between body image, attitudes about appearance, and levels of constrained leisure for college-age women and their mothers. It also examined how the body image concerns of young women are influenced by their mothers'. Thompson and Gray's Body-Image Assessment Scale (BIAS) was used to assess body image while Spangler's Beliefs About Appearance Scale (BAAS) was used to assess the participants' beliefs about appearance. Raymore's hierarchical leisure constraints scale was used to measure levels of leisure constraints. The sample was taken from female students at a private western American university and consisted …

A Study Conducted For The Journal Of Microfinance: Published At Brigham Young University, Veronica Barlow, Angelica Hagman, Brooke Mildenhall, Eliza Steele

Student Works

The main purpose of our study was to discover the target market for The Journal of Microfinance by understanding the channels of learning most widely used by academics and practitioners in the field of microenterprise. Study group comprised of Veronica Barlow, Angelica Hagman, Brooke Mildenhall, and Eliza Steele.

Byu Marriott School Executive Master Of Business Administration Program Market Research Evaluating Demand For Emba Schedule Variants, Byu Marriott School

Student Works

Executive MBA programs have become an important educational option for both students and universities in recent years. EMBA programs allow students flexible schedules and provide universities with additional sources of revenue. As more and more employers require more educated managers, the demand for EMBA programs will only increase. Executive MBA programs are part-time programs usually offered weekday evenings, weekends, or online. Highly ranked universities across the globe offer EMBA's. The cost of the education varies from program to program and university to university. As more individuals pursue undergraduate education. those holding degrees seek post-graduate education to differentiate themselves and further …

Healthy Island Organic Products: A Study Determining How To Increase Customer Awareness, Jeff C. Yates

Student Works

The purpose of this research project is to provide information that will aid in increasing the awareness of organic products that Healthy Island carries and to understand the customer needs when dealing with organic products, such a noni juice. This information will assist Healthy Island in the development of an effective marketing strategy. The questions that I hope to answer through this project are the following: 1. Is there a mark t for organic products geared toward younger men and women? 2. What is the current knowledge of organic products, specifically noni juice 3. What are the most effective ways …

Alpine Cc / Empire Consulting Group, David Stapley, David Hanks, Benjamin Carter

Student Works

Alpine Country Club maintains a private 18-hole golf course with amenities that include dining service, pro shop. social events, and golf tournament. Alpine Country Club is under the direction of a Board of Directors consisting of club members. Improving the club and providing the right amenities is a top priority for club management. Alpine Country Club contracted with Empire Consulting to create a survey to assess the opinion of its Equity Members regarding the 1) areas of improvement for Alpine Country Club. 2) whether member desire additional amenities to the club, and 3) how willing the member would be to …

Utah Clean Energy: Market Research Project "Cougars For Clean Power", Laura Mactaggart, Marda Batt, Ted Olsen

Student Works

The research done in this project analyzes BYU students' position on preserving the environment and particularly measures their knowledge regarding wind power and their willingness to contribute to the purchase of wind power by BYU. Utah Clean Energy commissioned students of the Marriott School of Management at BYU to carry out this project. Research was based on 402 surveys, which were conducted throughout campus and BYU housing complexes. The survey questionnaire and the results of the survey are located in the appendix. From the data gathered, statistical analysis was performed including cross-tabulation, chi-square testing, z-test testing, correlation, regression, and purchase …

The Downtown Business Alliance Of Provo, Adam Rich, Noona Kocharyan, Shannon Richards

Student Works

RR&K will provide studies to assess consumer awareness of businesses, evaluate consumer perceptions, and uncover preferences of target customers. We will begin by conducting a focus group with people who are employed downtown and residents of the surrounding downtown Provo area. With information taken from the focus groups and Provo Alliance, survey will be administered to members of the target audience. In analyzing these findings, RR&K will provide recommendations to assist The DBAP in reinventing the downtown Provo area. RR&K Research Consulting is comprised of Adam Rich, Shannon Richards, Nonna Kocharyan.