Shimy Project

8/3/2019 Shimy Project

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TABLE OF CONTENTS

Chapter 1 Environmental impact of Management in Tourism Industry

Chapter 2 Marketing and Advertising of Tourism Sectors. . . . . . . . . . . . . . . . . . . . .

Chapter 3 The Development of Tourism Industry. . . . ..

Chapter 4 Social Impact. . . . . . . ....

Chapter 5 Tourism and Environment . . . . . . . . . . . . . . . . . . .

Chapter 6 How to the Environment Problems to affect in Tourism Sectors...

Chapter 7 The most Business Environment Sector and Its Potential . . . . . . . . . . . . .

Chapter 8 Management in the Business Environment ofOrganizations . . . . . .

Chapter 9 Outer Environment ( MACRO Environment ) ..

Chapter 10 PoliticalLegal Environment..

Chapter 11 Technological State ( R+D ).

Chapter 12 SocialCultural Environment

Chapter 13 Inner Environment (MICRO Environment) .

Chapter 14 Employees ....

Chapter 15 Owners and the Board...

Chapter 16 Consumers.

Chapter 17 Contractors... .........

Chapter 18 Competitions .

Chapter 19 Financial Organizations........

Chapter 20 the Government.


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ENVIRONMENTAL IMPACT OF MANAGEMENT IN

TOURISM INDUSTRY.

Tourism in the Maldives began in the early 1970s.The first few tourists

that came were small groups or individuals, and the country began to be

recognized as an international tourist destination.

The Maldives offered the unspoiled beauty of tropical islands which

made it an ideal holiday spot. At that time the demand for internationaltravel was high and the steady flow of tourists since then has created a

thriving industry that is the single most important contributor to national

development today.
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The first tourist resort Kurumba village, a five-star hotel today was

pioneered by two Maldives entrepreneurs in association with an Italian

investor in 1972. A second resort was opened the same year on the island

of Bandos. Despite just the basic services and facilities,

as tourism began, 1,096 tourists came to the Maldives that year. A total

of 29,325 tourists visited the country in 1978, and increased to 158,488

by 1989. Today there are 62 island resorts with a total capacity of over7,720 beds. Tourism is the countrys biggest foreign exchange earner and

contributes about 20 per cent to the GDP. The construction of additional

resorts is currently underway in the new tourist zones which will be

developed with upgraded services and modern facilities.


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Tourism development was largely unplanned until 1978 and took place

according to Individual initiative. To enhance the sustainable

development of tourism and integrate the socio-economic development

of the country. The Government in conjunction with overseas assistanceformulated the Tourism Master plan 1983.

The plan sets out guidelines for the overall development of tourism, and

identifies tourism zones at southern, northern and central locations of the

country in addition to the fast developing Male Tourism Zone. The

planned development of tourism precludes the potential negative

impacts of tourism on the socio-economic structure of the country and

its environment. In order the realize the full potential of tourism, the

Government embarked on strengthening the institutional framework for

the development of tourism and introduced appropriate legislationamong other measures. In 1979 the Tourism Law was enacted laying

down the regulation for the Industry. The law required all foreign

investments to be registered in the department of Tourism and ForeignInvestments. In 1982 it became the Department of Tourism. In 1984 the
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Tourism Advisory Board was created as a consultative body. In 1988 the

Ministry of Tourism was formed, bringing the Institutional development

of tourism to maturity.

The Opening of the Male International Airport in 1981 provided the

gateway to the Maldives. Around fifty International flights a week fly to

the Male International Airport during the peak season. A modern

inflight catering center has been added in 1989 and a helicopter service

is now available from the airport to some the islands.
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6/27

[Type text]

During the Initial tourism was a highly seasonal industry. Mostly

European tourists visited the country during their winter making the rest

of the year the off season for the tourist resorts.As the Maldives

opened up for the International tourism, new markets were tapped, and

the formally seasonal nature of tourist changed. Today, tourists from

both the southern and northern hemispheres of the world visit the

Maldives and most the resorts operate round the year. Japanese tourists

are increasing in number while the North American market remains to

be effectively tapped.
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7/27

[Type text]

MERKETING AND ADVERTISING OF TOURISM SECTORS..

Marketing and Advertising is an

integral part of tourismdevelopment. The Ministry of

Tourism and private tourist

enterprises are activity involved

in the promotion of the Maldives

Overseas. The tourist information

Counter at the airport provides

leaflets and other up-to dateinformation about the country.

The establishment of the Tourist

information Unit in 1989, and the

participation of officials both

from the Government and private

tourist organisations in overseas

tourist fair enhance the marketing

of tourism abroad.

The president Government gives

high priority to the training and

development of manpower for

tourism. a key consideration

being the replacement of

expatriate staff by Maldivians atmangement levels. To meet the

training


8/27

[Type text]

Needs of the growing industry,

the Government the School of

Hotel and Catering Services in

August 1987. A number ofpeople employed in the tourism

industry heve also been sent

abroad for training by the

Government and private tourist

resorts.

Tourism is an important source

of government revenue.Direct

receipt from tourist accounted for

18.47 per cent of total

government revenue in 1988.The rapid growth of tourism has

attracted a number of foreign

banks to the country.

Commercial banks including the

bank of Maldives, are main

source of finance for the

booming tourism industry today.
http://www.google.com/imgres?q=Maldives+Tourism+food+accommodation+picture&hl=en&biw=936&bih=354&tbm=isch&tbnid=9qycxi1mjiDILM:&imgrefurl=http://www.maldivestourismupdate.com/2009_03_01_archive.html&docid=iyCUrrihNK-SgM&imgurl=http://3.bp.blogspot.com/_0SJsUoqERiE/SchPCM1c9HI/AAAAAAAABxw/uuow1ZcbOZI/s320/maldives.jpg&w=320&h=312&ei=YQegTuTSFcXlrAenvLzzAg&zoom=1http://www.google.com/imgres?q=Maldives+Tourism+food+accommodation+picture&hl=en&biw=936&bih=354&tbm=isch&tbnid=9qycxi1mjiDILM:&imgrefurl=http://www.maldivestourismupdate.com/2009_03_01_archive.html&docid=iyCUrrihNK-SgM&imgurl=http://3.bp.blogspot.com/_0SJsUoqERiE/SchPCM1c9HI/AAAAAAAABxw/uuow1ZcbOZI/s320/maldives.jpg&w=320&h=312&ei=YQegTuTSFcXlrAenvLzzAg&zoom=1http://www.google.com/imgres?q=Maldives+Tourism+food+accommodation+picture&hl=en&biw=936&bih=354&tbm=isch&tbnid=9qycxi1mjiDILM:&imgrefurl=http://www.maldivestourismupdate.com/2009_03_01_archive.html&docid=iyCUrrihNK-SgM&imgurl=http://3.bp.blogspot.com/_0SJsUoqERiE/SchPCM1c9HI/AAAAAAAABxw/uuow1ZcbOZI/s320/maldives.jpg&w=320&h=312&ei=YQegTuTSFcXlrAenvLzzAg&zoom=1


9/27

[Type text]

THE DEVELOPMENT OF TOURISM INDUSTRY

The development of Tourism has resulted in an overall expansion of the

economy. The spread of its benefits has provided direct and indirect

employment and income generating opportunities in other industriessuch as fisheries, construction, carpentry ,boat building, printing and

mechenical repairs.

Traditional handcrafts like lackuer work, mat weawing and the creation

of souvenirsfrom black coral, tortoise shell and shell- crafts haverevived. As tourism flourished. tourist shops began to spring up both

in the islands and in Male along with a profitable informal suvenir

trade.
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10/27

[Type text]

The supply of local agricultural and marine foods have earned indirect

employment opportunities in these occupations. While there is still some

concern about the environmental impects of tourism development. The

positive effects of tourism have integrated the economy and increasedthe national product.
http://www.divetrip.com/maldives/reefscene03.htmhttp://www.divetrip.com/maldives/reefscene03.htmhttp://www.divetrip.com/maldives/reefscene03.htm


11/27

[Type text]

SOCIAL IMPACT

Tourism has affected individuals, families, and society in

general. The vast majority of workers in tourism are male.

Families have been impacted by tourism largely throughemployment and higher incomes. Most welcome tourism but

complain that they have difficulty in marketing their produce to

tourists. Lifestyle changes have included the stress of working in

tourism itself, a non-traditional employment sector. Workers also

feel isolated due to separation from friends and family-and this

is not limited to tourism, for most of those living in Male are far

from their home atolls. In addition, no consultation on resort

development has taken place with the adjacent islanders and the

issues of reef accessibility and harvesting being lost without

compensation have not been addressed.

Although the participation of women is limited, they like to startsmall businesses for the visitors; however, they often lack access

to finance. Also, there is still reluctance, particularly from their

families, to have girls work in resorts. Women do not like to live

in the resorts and wish to return home in the evenings. Their

inability to speak English also has restricted their interactions
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with the tourists. In Male, some women work in cafes and

restaurants but they are much more prevalent in government

positions. Several countries face this problem and to date there

is no really satisfactory answer, other than to improve workingconditions and to offer careers and entrepreneurship, rather than

mere jobs, as the future for young workers. Now that there are

several chains with multiple outlets, career planning should be

more feasible. Since Maldivian tourism is organized on a

"separate resort island" basis, adverse social impact on lifestyles

seems less. The Maldives employs a large proportion of

foreigners; about 50 percent of the workers in resorts are from

South Asia. This practice is not sustainable, however, asMaldives needs to generate job opportunities for its young.

Direct local participation in tourism is diminished due to the

dominance of the foreign nationals employed in the sector.

However, this could lead to resentment toward the foreign

employees.
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[Type text]

Growth in employment opportunities in resorts has resulted in

outmigration from outer atolls to Male Atoll and it has put

pressure on the resources of the capital. Unlike in other

countries, the social carrying capacity57 has not been exceeded;however, the outmigration raises sustainability issues, as for

example in Addu Atoll.

In addition to outmigration from atolls, an increase in use

of drugs and alcohol seems to be an emerging socialproblem. Furthermore, the local employees believe thatthere is discrimination against local staff in resorts.
http://www.google.com/imgres?q=social+problems+picture&hl=en&biw=1024&bih=387&tbm=isch&tbnid=qjGrfoTGxLVAPM:&imgrefurl=http://www.themalaysianinsider.com/world/article/uk-govt-says-must-tackle-social-problems-after-riots/&docid=mx8bbGTxAfHkcM&imgurl=http://www.themalaysianinsider.com/images/uploads/2011/august/13/demopoor.jpg&w=400&h=266&ei=kDmgTv7cPIyGrAe7wuiOAw&zoom=1http://www.google.com/imgres?q=social+impact+of+maldives+picture&hl=en&biw=1024&bih=387&tbm=isch&tbnid=Xr7IBYrhQ81elM:&imgrefurl=http://www.bluepeacemaldives.org/blog/biodiversity/towards-an-artificial-paradise-on-earth&docid=kck-ZRMRPG-B0M&imgurl=http://www.bluepeacemaldives.org/blog/wp-content/uploads/2008/05/maldives.jpg&w=475&h=230&ei=QTKgTs6fFo7prQe7rbmRAw&zoom=1&iact=rc&dur=0&sig=105506799801524728388&page=19&tbnh=107&tbnw=220&start=225&ndsp=12&ved=1t:429,r:1,s:225&tx=113&ty=27http://www.google.com/imgres?q=social+impact+of+maldives+picture&hl=en&biw=1024&bih=387&tbm=isch&tbnid=-Bcp3E62bKny1M:&imgrefurl=http://doreview.blogspot.com/2010_11_01_archive.html&docid=Xv57_fJpfOyqhM&imgurl=http://lh4.ggpht.com/_wAYPwB1dHVs/TNOVRZKr9iI/AAAAAAAAm5Q/0y0cCExmGaQ/Maldives-at-Landaa-Giraavar_thumb[3].jpg&w=399&h=267&ei=QTKgTs6fFo7prQe7rbmRAw&zoom=1&iact=rc&dur=16&sig=105506799801524728388&page=18&tbnh=166&tbnw=253&start=211&ndsp=14&ved=1t:429,r:0,s:211&tx=111&ty=74http://www.google.com/imgres?q=social+problems+picture&hl=en&biw=1024&bih=387&tbm=isch&tbnid=qjGrfoTGxLVAPM:&imgrefurl=http://www.themalaysianinsider.com/world/article/uk-govt-says-must-tackle-social-problems-after-riots/&docid=mx8bbGTxAfHkcM&imgurl=http://www.themalaysianinsider.com/images/uploads/2011/august/13/demopoor.jpg&w=400&h=266&ei=kDmgTv7cPIyGrAe7wuiOAw&zoom=1http://www.google.com/imgres?q=social+impact+of+maldives+picture&hl=en&biw=1024&bih=387&tbm=isch&tbnid=Xr7IBYrhQ81elM:&imgrefurl=http://www.bluepeacemaldives.org/blog/biodiversity/towards-an-artificial-paradise-on-earth&docid=kck-ZRMRPG-B0M&imgurl=http://www.bluepeacemaldives.org/blog/wp-content/uploads/2008/05/maldives.jpg&w=475&h=230&ei=QTKgTs6fFo7prQe7rbmRAw&zoom=1&iact=rc&dur=0&sig=105506799801524728388&page=19&tbnh=107&tbnw=220&start=225&ndsp=12&ved=1t:429,r:1,s:225&tx=113&ty=27http://www.google.com/imgres?q=social+impact+of+maldives+picture&hl=en&biw=1024&bih=387&tbm=isch&tbnid=-Bcp3E62bKny1M:&imgrefurl=http://doreview.blogspot.com/2010_11_01_archive.html&docid=Xv57_fJpfOyqhM&imgurl=http://lh4.ggpht.com/_wAYPwB1dHVs/TNOVRZKr9iI/AAAAAAAAm5Q/0y0cCExmGaQ/Maldives-at-Landaa-Giraavar_thumb[3].jpg&w=399&h=267&ei=QTKgTs6fFo7prQe7rbmRAw&zoom=1&iact=rc&dur=16&sig=105506799801524728388&page=18&tbnh=166&tbnw=253&start=211&ndsp=14&ved=1t:429,r:0,s:211&tx=111&ty=74http://www.google.com/imgres?q=social+problems+picture&hl=en&biw=1024&bih=387&tbm=isch&tbnid=qjGrfoTGxLVAPM:&imgrefurl=http://www.themalaysianinsider.com/world/article/uk-govt-says-must-tackle-social-problems-after-riots/&docid=mx8bbGTxAfHkcM&imgurl=http://www.themalaysianinsider.com/images/uploads/2011/august/13/demopoor.jpg&w=400&h=266&ei=kDmgTv7cPIyGrAe7wuiOAw&zoom=1http://www.google.com/imgres?q=social+impact+of+maldives+picture&hl=en&biw=1024&bih=387&tbm=isch&tbnid=Xr7IBYrhQ81elM:&imgrefurl=http://www.bluepeacemaldives.org/blog/biodiversity/towards-an-artificial-paradise-on-earth&docid=kck-ZRMRPG-B0M&imgurl=http://www.bluepeacemaldives.org/blog/wp-content/uploads/2008/05/maldives.jpg&w=475&h=230&ei=QTKgTs6fFo7prQe7rbmRAw&zoom=1&iact=rc&dur=0&sig=105506799801524728388&page=19&tbnh=107&tbnw=220&start=225&ndsp=12&ved=1t:429,r:1,s:225&tx=113&ty=27http://www.google.com/imgres?q=social+impact+of+maldives+picture&hl=en&biw=1024&bih=387&tbm=isch&tbnid=-Bcp3E62bKny1M:&imgrefurl=http://doreview.blogspot.com/2010_11_01_archive.html&docid=Xv57_fJpfOyqhM&imgurl=http://lh4.ggpht.com/_wAYPwB1dHVs/TNOVRZKr9iI/AAAAAAAAm5Q/0y0cCExmGaQ/Maldives-at-Landaa-Giraavar_thumb[3].jpg&w=399&h=267&ei=QTKgTs6fFo7prQe7rbmRAw&zoom=1&iact=rc&dur=16&sig=105506799801524728388&page=18&tbnh=166&tbnw=253&start=211&ndsp=14&ved=1t:429,r:0,s:211&tx=111&ty=74


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TOURISM AND ENVIRONMENT

Tourism depends on environmental quality more than any

other activity and a central precept that has been preached intourism is not to kill the goose that lays the golden eggs. Yet, in

general, it is characterized by rapid, short-term development

which more often than not damages the very environment the

tourists come to enjoy and simply moves off elsewhere. Without

careful attention to the balance between the volume and type of

tourist activity, and the sensitivity and carrying capacities of the

resources being developed, tourism projects can be not only

environmentally harmful but also economically self-defeating.

Tourism in the Maldives exists solely due to the physical and

geographic features of the coral islands.
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[Type text]

HOW TO THE ENVIRONMENT PROLEMS TO

AFFECT IN TOURISM SECTROS..

The Maldives have learned from other developing

nations to protect its environment from some of the

negative aspects of tourism. Wanting to remain

pollution-free, the government has Rubbish on beach is

the next environmental problem identified by the resort

management.

Rubbish on beach mainly results from waste dumped at

Sea irresponsibly by neighboring resorts and inhabited

islands that get washed ashore onto islands with the

current and to some extent from the messy habits of

certain tourists. The resort management is quite emotiveon this issue as this is one issue that will reflect very

badly on the image of the resort environment. Strictpolicies on leisure crafts that could destroy the islands

magnificent sea life.
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[Type text]

The beauty of the underwater world at the reefs, clean water in the

lagoons, white and pristine sandy beaches, a rich island

Vegetation and ideal tropical climate which form a virtual

paradise that attracts tourists from Europe and Australasia.
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[Type text]

THE MOST BUSINESS ENVIRONMENT SECTOR AND ITS

POTENTIAL..

The relationship between tourism and the environment

is important, both for conservation and for sustaining thequality of tourism. The harsher forms of degradation due

to coral and sand mining, dragnet fishing, and poisoning

and dynamiting fish have all been outlawed in the

Maldives and protection measures are in place for the

resort islands. The main areas of concern are marine

biodiversity and coastal-zone management, includingNatural barriers (fringing coral reefs); shoreline and

beach planning; coastal land forms; coastal vegetation,

such as sea grass (important for green turtles); forests; and

the extent to which exotics are invasive. While the

government is aware of all these areas, more needs to be

done to better understand these environmental issues and

to develop indicators for benchmarking.
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[Type text]

MANAGEMENT IN THE BUSINESS ENVIRONMENT OF

ORGANAIZATIONS

To lead an organization efficiently we must know where our company is

situated, what are the outside influences and the inside ones.

Outer environment: (macro environment)

There are some factors in the lives of organizations that affect them, but

they dont have any control over them (much like in our own life). We

can define three major areas, but these are just the large groups, they just

give a general outline.

The major external function of MACRO Environment is the

uncontrollable factors that influencean organization'sdecision making,

and affect its performance and strategies. These factors include the

economic factors; demographics; legal, political, and social conditions;

technological changes; and natural forces.

Specificexamplesof macro environment influences includecompetitors,

changes in interest rates, changes in cultural tastes, disastrous weather,

orgovernmentregulations.
http://www.businessdictionary.com/definition/uncontrollable-factors.htmlhttp://www.businessdictionary.com/definition/uncontrollable-factors.htmlhttp://www.businessdictionary.com/definition/influence.htmlhttp://www.businessdictionary.com/definition/influence.htmlhttp://www.businessdictionary.com/definition/organization.htmlhttp://www.businessdictionary.com/definition/organization.htmlhttp://www.businessdictionary.com/definition/decision-making.htmlhttp://www.businessdictionary.com/definition/decision-making.htmlhttp://www.businessdictionary.com/definition/performance.htmlhttp://www.businessdictionary.com/definition/performance.htmlhttp://www.businessdictionary.com/definition/strategy.htmlhttp://www.businessdictionary.com/definition/strategy.htmlhttp://www.businessdictionary.com/definition/factor.htmlhttp://www.businessdictionary.com/definition/factor.htmlhttp://www.businessdictionary.com/definition/economic-factors.htmlhttp://www.businessdictionary.com/definition/economic-factors.htmlhttp://www.businessdictionary.com/definition/demographics.htmlhttp://www.businessdictionary.com/definition/demographics.htmlhttp://www.businessdictionary.com/definition/legal.htmlhttp://www.businessdictionary.com/definition/legal.htmlhttp://www.businessdictionary.com/definition/condition.htmlhttp://www.businessdictionary.com/definition/condition.htmlhttp://www.businessdictionary.com/definition/changes.htmlhttp://www.businessdictionary.com/definition/changes.htmlhttp://www.businessdictionary.com/definition/force.htmlhttp://www.businessdictionary.com/definition/force.htmlhttp://www.businessdictionary.com/definition/examples.htmlhttp://www.businessdictionary.com/definition/examples.htmlhttp://www.businessdictionary.com/definition/examples.htmlhttp://www.businessdictionary.com/definition/competitor.htmlhttp://www.businessdictionary.com/definition/competitor.htmlhttp://www.businessdictionary.com/definition/competitor.htmlhttp://www.businessdictionary.com/definition/interest-rate.htmlhttp://www.businessdictionary.com/definition/interest-rate.htmlhttp://www.businessdictionary.com/definition/weather.htmlhttp://www.businessdictionary.com/definition/weather.htmlhttp://www.businessdictionary.com/definition/government.htmlhttp://www.businessdictionary.com/definition/government.htmlhttp://www.businessdictionary.com/definition/regulation.htmlhttp://www.businessdictionary.com/definition/regulation.htmlhttp://www.businessdictionary.com/definition/regulation.htmlhttp://www.businessdictionary.com/definition/regulation.htmlhttp://www.businessdictionary.com/definition/government.htmlhttp://www.businessdictionary.com/definition/weather.htmlhttp://www.businessdictionary.com/definition/interest-rate.htmlhttp://www.businessdictionary.com/definition/competitor.htmlhttp://www.businessdictionary.com/definition/examples.htmlhttp://www.businessdictionary.com/definition/force.htmlhttp://www.businessdictionary.com/definition/changes.htmlhttp://www.businessdictionary.com/definition/condition.htmlhttp://www.businessdictionary.com/definition/legal.htmlhttp://www.businessdictionary.com/definition/demographics.htmlhttp://www.businessdictionary.com/definition/economic-factors.htmlhttp://www.businessdictionary.com/definition/factor.htmlhttp://www.businessdictionary.com/definition/strategy.htmlhttp://www.businessdictionary.com/definition/performance.htmlhttp://www.businessdictionary.com/definition/decision-making.htmlhttp://www.businessdictionary.com/definition/organization.htmlhttp://www.businessdictionary.com/definition/influence.htmlhttp://www.businessdictionary.com/definition/uncontrollable-factors.html


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Political-legal environment:

The effects of this are quite visible. Just think of the effect of changing

taxes, or raising interest rates. If the legal system, pushed by politics

lowers he acceptable emission rates, companies may have to invest innew equipment or close down.

Technological state (R+D):


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[Type text]

Technology can bring millions to one company and take millions from

another. Organizations on the frontier usually experience a boom, with

many following, but some rivals may go bankrupt. A good manager has

to be aware of change and embrace technology to gain an edge oncompetition.

Social-Cultural environment:

This is a very important but also very diverse category. Think of a

company in China and a company in Hungary. A Hungarian company

only has to produce for a potential market of about 10 million. A

Chinese company has a potential market of 1.3 billion., which is 130

times as much! That alone is a huge difference, and we havent even

touched cultural differences. For example in India, McDonalds probably

wont sell any hamburgers made from beef because they dont eat that

there. A manager has to keep all these in mind when leading an

organization!


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Inner environment (micro-environment)

This is the environment that an organization can influence. It may not be

able to correct all flaws in the micro-environment, but it has a much

better control over it than the macro environment. The

microenvironment consists of seven larger parts:

Employees:


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Organizations have to find the right people for each job. This means

finding some highly specialized people and generally trained workers.

Organizations are limited by their money supply and the constraints of

the general workforce.

Owners and the board:

The investment mood is a primary question for every organization. A

positive mood means funds, while a negative mood means extra costs. It

is important that the owners are satisfied with the company, but this

doesnt always mean large profits have to be shown all the time. Manycompanies can choose between keeping profits and investing them. It is

the managers job to balance the aims if the company and the owners

(although many times this can be the same).
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Consumers:

Another important goal of the company is to keep the consumers happy.

Today, competition is so large that for every product, there are ten of the

same, but different brands. Organizations recognize that it is in their owninterest to keep consumers happy.

Contractors:

The inputs of organizations are supplied by its contractors. Dependingon size the contractors may race to keep the organizations happy, but it

may happen vice-versa. The main objective here is sustaining a well

oiled input supply system.
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Competition:

Competition, or rather the observation of it, is important if the company

wants to keep its position on the market. It is also possible for

organizations to buy a part of their competition, or they can try to

outsmart them.

Financial organizations:

Their effect is possibly the most visible. For example, the exchange ratedifference between two banks could mean millions of extra loss or

profit. Their guarantee may be needed for large projects, but aside all

that, the most important thing is that they insure functionality day to day.
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The government:

Governments may have a direct or indirect effect. They may subsidize,

giving money directly to the organizations. They can also give extra tax-

refunds or they may punish unlawful behavior.
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DIPLOMA IN HUMAN RESOURSE MANAGEMENT

SHIMEEZA AHMED

G.ROAMGE

MALE, REP OF MALDIVES


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Documents

Shimy Project