This case showcases an Armenian organization named Aregak Micro-Credit, an organization designed to assist low-income women in starting up small entrepreneurial ventures.
Mariam Yesayan established Aregak Micro-Credit Organization while working for UMCOR in Armenia. The case begins by reviewing Mariam’s background, comprised of university education and charitable organizations, and then describes the recent history in Armenia and the surrounding area – from the fall of Communism to the Armenian earthquake, to various other factors that led to a depressed nation.
The case goes on to describe how Mariam developed her client base, and onto an explanation of her program’s successful outcome. The case continues by describing the unaffordable and inaccessible alternative sources of financing through the Armenian banking system, and then explains how the microfinance industry offers a viable alternative and ultimately benefits the communities in which it serves.
The case concludes by explaining the dilemma many NGOs face – whether to seek government funding and submit to its regulations, or forego state assistance and remain self-funded. This is the decision ultimately faced by Mariam Yesayan for Aregak.
Case Discussion Questions
Summarize the process Mariam Yeseyan used in approaching women about loan opportunities through Aregak.
Compare opportunities for funding for women entrepreneurs through the commercial banking system in Armenia with funding opportunities available to them through the Aregak program in the late 1990s.
Explain the reason for a default rate on loans of only 2 percent with Aregak in spite of the face that their loans were not collaterized.
Discuss the importance of microfinance programs in the progress of developing nations.
In what way might Mariam Yesayan be considered a "social entrepreneur"?
Debate the issue of whether Mariam Yeseyan should take steps to license Aregak as a nonprofit organization in Armenia, which would bring with it regulation by the government, or remain an NGO (nongovernmental organization) as it had been originally structured.

Answer:

d. Cultural values

Explanation:

Cultural values are the values and norms that are followed by a distinct society or a group of people. In other terms, values and norms developed within the society to form its basis are said to be the cultural values. The people believe, follow, and appreciate the values. They help in defining the ways of living and leading the life. The behavior, nature, and thinking of the society is influenced or structured as per the cultural values.

Answer:

D

Explanation:

I just took the assignment

1. The direction of the alternative hypothesis for the test is greater than, which is denoted as "gt". The alternative hypothesis is that more than 70% of doctors do not support the Medicare reforms.

2. The critical value as found in the tables in the textbook is 1.645. The critical value can be determined by looking up the z-score for a Type I error probability of 0.02 (or 2%) in a standard normal distribution table. The z-score that corresponds to a probability of 0.02 in the upper tail of the distribution is 1.645. This means that if the sample proportion of doctors who support the reforms is greater than 0.7 + 1.645 times the standard error of the sample proportion, the null hypothesis can be rejected.
3. The lower boundary of the region of non-rejection in terms of the sample proportion of respondents (as a % to two decimal places) in favor of the reforms is 68.19%. This can be calculated using the formula: 0.7 - 1.645 times the standard error of the sample proportion, which is approximately 0.031. The result is 0.521, which can be converted to a percentage by multiplying by 100 and rounding to two decimal places.
4. The upper boundary of the region of non-rejection in terms of the sample proportion of respondents (as a % to two decimal places) in favor of the reforms is "gt" (greater than) as there is no theoretical upper bound. This means that if the sample proportion of doctors who support the reforms is greater than 0.7 + 1.645 times the standard error of the sample proportion, the null hypothesis can be rejected.
5. Yes, the null hypothesis is rejected for this test as the sample proportion of doctors who support the reforms (154/240) is less than the lower boundary of the region of non-rejection (68.19%).
6. If the null hypothesis was rejected, the Association could claim that the Health Minister's assertion is incorrect at the 2% level of significance. This means that the probability of making a Type I error (rejecting the null hypothesis when it is actually true) is 2% or less. The Association can claim with 98% confidence that the true proportion of doctors who support the reforms is less than 70%.

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In the given scenario, the Contractor (Plaintiff) submitted a bid to Owner’s A/E (Defendant) for 1million dollars G.M.P. for a defined scope of work having to do with excavation.

The Owner of the project is a Federal Agency. The contractor is given boring logs by the owner and is given an opportunity to inspect the area to be excavated. During the pre-bid walk the owner talks about the soil boring logs to which the contractor states that they are very familiar with the site conditions in this area, which partially induces the owner to contract with this contractor.In such a situation, the Contractor now sues for the cost of the extra work plus excess profit and overhead markup.

The contractor can sue the owner for negligence if the owner is responsible for the inaccurate soil boring logs. Moreover, the contractor can claim for damages based on the Doctrine of Changed Conditions if the granite strata and UFO cyborg breeding station discovered by the contractor was not anticipated and could not have been anticipated by the contractor before the agreement.The Doctrine of Changed Conditions is an equitable doctrine that entitles a contractor to an adjustment of the contract price and time of performance when there has been an unforeseen condition beyond the contemplation of the parties at the time of contracting, which makes the project more expensive or time-consuming. Thus, the contractor can file a lawsuit against the owner for the costs of the extra work plus excess profit and overhead markup.

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The strategy-making, strategy-executing process embraces the tasks of developing a strategic vision, setting objectives, crafting a strategy, implementing and executing the strategy, and then monitoring developments and initiating corrective adjustments in light of experience, changing conditions, and new opportunities. (Answer C)

This process involves the comprehensive set of activities and decisions undertaken by an organization to formulate and implement its strategies. It begins with establishing a strategic vision that outlines the desired future state of the organization. Objectives are then set to guide the strategic direction. The process continues with crafting a strategy, which involves making choices on how to achieve the objectives and gain a competitive advantage. The selected strategy is implemented and executed throughout the organization.

Monitoring developments and initiating corrective adjustments are crucial to ensure that the strategy remains relevant and effective. This involves continuously evaluating the internal and external factors impacting the organization and making necessary adaptations. The responsibility for the strategy-making and execution process typically lies with top executives and the board of directors, with input and involvement from managers at various levels. It is a collaborative effort that requires alignment and coordination throughout the organization.

Overall, the strategy-making, strategy-executing process is a dynamic and ongoing endeavor that guides the organization's actions and decision-making to achieve its goals and maintain a competitive position in the market.

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These businesses are typically not registered with the government, and they do not have an official structure.

The government may be unwilling or unable to regulate these types of businesses because they are frequently viewed as necessary for economic growth and development.

In colloquial language, the young men below are "getting their hustle on." A sole proprietorship is a type of business that is owned and operated by a single individual. The young men's business can be referred to as a sole proprietorship since they are the sole owners of the business.

They are the ones who started the business, are responsible for all of its operations, and are accountable for all of the profits or losses.The government will have a tough time taxing this type of business for a variety of reasons.

Firstly, these businesses are typically not registered with the government, and they do not have an official structure. As a result, it's difficult for the government to track their activities and evaluate their taxes.

Secondly, many of these businesses operate in the informal sector, and they do not have formal accounting procedures or systems in place. As a result, it's difficult for the government to determine their exact revenue and taxable income.

Thirdly, these businesses are frequently involved in cash transactions, and it's difficult for the government to monitor their cash flow and revenue. As a result, they may not accurately report their earnings or pay the required taxes.

Finally, the government may be unwilling or unable to regulate these types of businesses because they are frequently viewed as necessary for economic growth and development. As a result, they may not be heavily taxed, if at all, since the government may be hesitant to discourage their operations.

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Another benefit that Jared derives from being part of the National Guard is that C. Jared gets financial assistance with college in exchange for his service.

There are several benefits that one gets from being part of the National Guard. One of them is the benefit to students. State-by-state benefits for students differ, but many of them waive tuition for members of the National Guard. Additionally, if you serve in the National Guard and are federally activated, such as during a deployment, you will start to receive the same G.I. Bill benefits as active military soldiers.

You will get paid while receiving training from the Army National Guard in a skill that is useful in the civilian market. Infantry may not be very useful to the civilian world, but positions in mechanics, medicine, or telecommunications most certainly are. Jared therefore is likely to receive the benefit of getting financial assistance for attending college.

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Answer:

It's Reports

Explanation:

Answer:

B. Reports Hope this helps!

The correct answer is option d. Net operating income will decrease by $4,000. The anticipated effect on net operating income can be calculated by considering the changes in total variable costs and total fixed costs. The anticipated effect on net operating income will be a decrease by $7,500.
 

In this case, the manager estimates that total variable costs will increase by $7,500 and total fixed costs will increase by $3,500. Since the unit sales price did not change, we can assume that the revenue remains constant.
To calculate the effect on net operating income, we need to understand the relationship between costs and income. Total variable costs are costs that vary with the level of production or sales, such as raw materials or direct labor. Total fixed costs, on the other hand, are costs that remain constant regardless of the level of production or sales, such as rent or salaries.
Since the unit sales price did not change, the increase in total variable costs will directly reduce the net operating income. However, the increase in total fixed costs will not affect the net operating income.

Therefore, the anticipated effect on net operating income can be determined as follows:
Net Operating Income = Revenue - Total Variable Costs - Total Fixed Costs
Since the revenue remains constant and the increase in total variable costs directly reduces the net operating income, the anticipated effect on net operating income will be a decrease.

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Answer:

The benefit are

1. free markets,

2. rule of law,

3. protection of private property,

and

4. open trade—

that boost prosperity and reduce costs

Explanation:

Please mark me as brainlist answer

Answer:

TRUE

Explanation:

Answer:

Honestly, you're lying about the 35 points thing...

But the answer is TRUE

If the Federal Reserve policies have led to an increase in the real GDP, it is likely that they have taken action to reduce the interest paid on excess reserves to encourage banks to lend out more money and stimulate economic activity.

When the Fed lowers the interest rate on excess reserves, it makes it less attractive for banks to hold onto excess reserves, and more attractive for them to lend out that money to businesses and consumers. This increased lending activity can lead to an increase in economic growth and real GDP.

However, it's important to note that the Fed's monetary policy decisions are complex and involve a range of tools and strategies, not just the interest rate on excess reserves.

Other factors, such as the federal funds rate, open market operations, and reserve requirements, can also impact the economy and real GDP.

By adjusting interest rates, the Fed can influence the overall health of the economy and help to achieve its policy goals.

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Answer:

Technical

Explanation:

The change from traditional manufacturing to service and high-tech manufacturing requires high job skills. Technical skills.

The term skills refer to the ability to do something as we see there are different jobs are we there and for the different, jobs different skills are required and for the skills, the knowledge about the particular things is needed by them, we can solve the problem. Nowadays, skills play an important role in the job profile.

As we see the manufacturing, different skills are required there are different machines being worked, and the bases of this the jobs are being done as compared to the high technology jobs which are being operated from the system needs to be technical skills are being required in it.

Therefore, high-tech manufacturing required technical skills as well.

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To compute the capital acquisitions ratio, we need to divide the net cash provided by operating activities by the purchases of property, plant, and equipment.

Net cash provided by operating activities: $46,695
Purchases of property, plant, and equipment: ($11,552)

Capital acquisitions ratio = Net cash provided by operating activities / Purchases of property, plant, and equipment

Capital acquisitions ratio = $46,695 / ($11,552)

The capital acquisitions ratio tells us how well Gibraltar Industries is able to finance its purchases of property, plant, and equipment using cash provided by operating activities. In this case, the ratio is positive, indicating that the company generated more cash from its operating activities than it spent on purchasing property, plant, and equipment.

This suggests that Gibraltar Industries has the ability to finance its capital acquisitions using internally generated funds. It is a positive sign as it shows the company's financial stability and ability to invest in its growth without relying heavily on external sources of funding.

However, it's important to note that this ratio should be interpreted in conjunction with other financial indicators and considerations specific to Gibraltar Industries to have a comprehensive understanding of its financial health and ability to sustain its growth.

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Answer:

False

False

False

True

True

Explanation:

Answer:

-1466

Explanation:

Give brainliest and I will do step by step!

Step by step-

6 X 6= 36

-331 X 5= -1655

63 + 90= 153

153 + 36= 189

-1655 + 189= -1466

Answer:

I am unsure of the answer but it can be narrowed down to B D or E because the GDP would decrease.

The free cash flow of the company if no dividends were paid is $18,375,000.

A dividend is a payment from company's profits to its shareholders. When a company makes a profit or has a surplus, it is permitted to distribute a portion of that money to shareholders as a dividend. Any extra money is kept and invested back into the business. A corporation normally isn't authorized to pay a dividend out of its capital; instead, the profit from the most recent fiscal year and the retained earnings from earlier fiscal years are both eligible for distribution. The amount can be given to shareholders in cash as well as through the issuance of additional shares or through the share repurchase if the company has a dividend reinvestment plan. The dividend that the shareholder received is income for the shareholder and is subject to tax.

The free cash flow = $155,410,000 - ($132,895,000 - $4,140,000) = $155,410,000 - $137,035,000 = $18,375,000

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Forecasting activities integrate information gathered from the market, from internal operations, and from the larger business environment to make predictions about future demand.

The phrase "business environment" refers to the whole of all individuals, groups, and other entities that operate independently of industry but have the potential to influence its output. "Like the universe, withhold from it the subset that represents the system and the rest is environment," wrote an unknown author.

In order to predict future demand, forecasting efforts combine data from the market, internal operations, and the wider business environment. Therefore, an enterprise's environment includes the financial, cultural, governmental, technological, and other elements that operate outside of it. The environment offers a variety of opportunities.

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It is true that swallowing beer can enhance your ability to taste it, as it allows the aroma and flavor compounds to fully reach your taste buds and olfactory receptors.

When you swallow beer, the liquid passes through your nasal cavity, which is connected to your mouth and helps to amplify the flavors and aromas that you are experiencing.

However, this approach to beer tasting is not the only way to fully appreciate the flavor profile of a beer. Many beer experts and professional tasters choose to spit out the beer after tasting it, especially when sampling multiple beers in a single session. This allows them to evaluate the flavor and aroma without becoming intoxicated or overwhelmed by the alcohol content.

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Full Question: "Is it true that one of the reasons it was originally thought that you should swallow beer when tasting it rather than spit it out is so you can taste?"

The Situational Leadership Model II® is a leadership theory that suggests that the most effective leadership style depends on the situation at hand. In this case, Tom is in charge of a Habitat for Humanity build site where volunteers arrive daily, excited to volunteer, but with very little knowledge of how to do the work or what needs to be completed.

According to the Situational Leadership Model II®, there are four leadership styles: directing, coaching, supporting, and delegating. Each style is appropriate for a different level of follower readiness, which refers to the competence and commitment of the followers.In this situation, the volunteers have very little knowledge of how to do the work or what needs to be completed, indicating a low level of follower readiness. Therefore, the best leadership style for Tom to use would be the directing style.
The directing style involves giving specific instructions and closely supervising the work of the followers. This style is appropriate for followers who have low competence and low commitment, as it provides clear guidance and structure.
To use the directing style effectively, Tom should:
1. Clearly communicate the goals and expectations for the build site.
2. Provide detailed instructions for each task and demonstrate how to do them.
3. Closely supervise the work of the volunteers and provide feedback on their performance.
4. Provide positive reinforcement for good performance and corrective feedback for poor performance.

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The entries in a schedule of accounts payable would be ordered alphabetically by vendors name.

A schedule of accounts payable is a list of all the vendors in the ledger of accounts payable to whom the business is currently indebted, together with the balances of their current accounts. In other words, the accounts payable schedule is a list of everyone to whom the company owes money in the accounts payable systems in alphabetical order.

There are two key benefits to using the accounts payable schedule. This schedule, first and foremost, enables managers as well as the accounts payable division to keep track of and arrange the vendor accounts that need to be paid. For instance, the majority of manufacturers and retailers purchase inventory and products from other companies.

Cash payments for these transactions are uncommon. Instead, the buying business merely places the acquisition on credit and pays the vendor within 30 days well after purchase. This technology accelerates corporate operations and makes it simpler for enterprises to purchase things.

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Answer: d. by date due

Explanation: I just took the test.

The United States Bureau of Labor Statistics predicts that the manufacturing sector will account for the majority of projected job growth from 2014 − 2024. The above statement is false.

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The most reasonable public policy approach to protect consumers from harmful products would be a combination of regulatory measures and market-driven solutions. Governments should regulate the sale of high-sugar and high-fat food and beverages to ensure that consumers are not exposed to products that can harm their health.

This could involve measures such as mandatory labeling, restrictions on advertising and marketing, and taxes on unhealthy products. Market and economic forces can also play a role in protecting consumers. For example, consumer demand for healthy products can encourage businesses to develop and market healthier options. Additionally, competition between companies can lead to improvements in product quality and safety as businesses strive to meet consumer needs and preferences. Ultimately, a comprehensive approach that combines regulation, consumer education, and market-driven solutions is likely to be most effective in protecting consumers from harmful products. By working together, governments, businesses, and consumers can create a healthier and safer marketplace for all.

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The most reasonable public policy approach to protect consumers from harmful products is to have a combination of government regulation and consumer education.

Government regulation can ensure that products meet certain safety standards and prevent the sale of harmful products. In the case of high-sugar and high-fat food and beverages, governments could require labeling that clearly shows the amount of sugar and fat in each product, and also limit the amount of sugar and fat allowed in these products.

However, market and economic forces also play a role in protecting consumers. Companies that produce harmful products can face negative consequences such as decreased sales and damaged reputation. In response to consumer demand for healthier options, many companies have started producing lower-sugar and lower-fat products.

Consumer education is also important in protecting consumers. By educating consumers on how to read labels and make informed decisions, they can better protect themselves from harmful products.

In conclusion, the most effective way to protect consumers from harmful products is to have a combination of government regulation, market and economic forces, and consumer education.

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Answer: It helps you learn about trends in your career field.

Explanation: I took the test |

                                               \/

Answer:

No, Watching TV has an opportunity cost

Explanation:

Opportunity costs represent the forfeited benefits for preferring a certain option over others. It is the foregone benefits from the next best alternative.

Watching TV for two hours has an opportunity cost. By watching TV, a person has sacrificed doing other things. The two hours could have been used in other ways like working, studying, swimming, or playing. By watching TV, the person missed benefits from the other activities. The other activity that would have resulted in more benefits other than watching TV is the opportunity cost.

Answer:

D) Some firms will exit the market, pushing the market price higher

In the long run in a perfectly competitive market the long-run industry supply curve will slope upward.

In economics, the term "perfect competition" describes a hypothetical market structure whereby all suppliers are on an even footing and total supply and demand are in balance.

According to economic theory, perfect competition arises when all businesses offer the same goods, the price is unaffected by market share, businesses can enter or quit the market without any obstacles, consumers have complete or perfect information, and businesses are unable to set prices.

A marketing scenario in which there are several companies selling a single, undifferentiable product; as a result, no company has a substantial impact on price.

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A binding price ceiling is designed to c) keep prices below the equilibrium level.

A binding price ceiling is a term used to refer to a case whereby government sets a required price on a good or goods.

This price is usually set at a price below equilibrium.

Producers are are usually at the beneficial sides as a result of the binding price floor incase the price is higher than equilibrium price.

while Consumers are always worse off since they must pay more for a lower quantity.

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Aspect of business is being affected by culture is production.

Production can be defined as the process of manufacturing or producing goods from raw material to finished products and it can as well be defined as the amount of goods or products manufactures at a particular period of time.

Hence, since the company want to increase output by introducing night shift and production will be affected if the worker refuse to work overnight hours as the output will reduce.

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Banks supported the position represented by the dollar bill with the face of bill Bryan the most.

Since the cessation of U.S. fractional currency notes in 1876, the United States one-dollar bill ($1), sometimes known as a single, has been the lowest value denomination of U.S. paper currency. Currently, the obverse of the coin has a representation of George Washington (1789-1797), the first president of the United States, based on Gilbert Stuart's 1796 painting Athenaeum Portrait, and the reverse has the Great Seal of the United States. The one-dollar bill is the piece of contemporary U.S. currency with the oldest overall design (The current two-dollar bill obverse design dates from 1928, while the reverse appeared in 1976).

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