Qualities of Successful Women

Qualities of Successful Women Introduction The contribution of women in the development of the countries has been significant the world over during the last hundred years. In India, women are playing a major part in the economic development during the last four decades. The Indian women have gradually entered in all the spheres and there is no sector where they are lagging behind. BFSI Banking, Financial Services and Insurance sector is no exception. BFSI embraces all type of Banking activities, Insurance, Stock Market, Mutual Funds and all kinds of Financial Institutions. An attempt is made in this paper to trace the role of women in Finance sector and their achievements in the last four decades. Objectives The primary objective of this paper is to study and consolidate the contributions of women in Financial sector and also attempt to correlate the qualities of women that have made them successful in their professional careers in Finance. The secondary objective is to detail some organizations which have realized this aspect and have given opportunities to women to advance in their careers in Finance. What is BFSI? BFSI includes Banking, Financial Services Insurance. The scope for BFSI in India is very promising as on date. According to a study, 51 percent of the Indian population do not possess bank accounts and lack access to financial facilities. There is a great potential for banks in the rural markets. Though the insurance sector achieved about 15 percent growth rate in the last year, Indias insurance accounts for just 0.6 percent of the GDP as against the world average of 2.14 percent. The main reasons for low penetration are low consumer awareness, untapped rural markets and constrained distribution channels. India ranks 136th on penetration levels and lags behind China (106), Brazil (85) and Japan (61). The U.S is ranked 9 in this regard. The scenario of insurance business in India is now changing and the insurance business is growing at an impressive rate. There are 21 Life Insurance and 19 General Insurance companies in both public and private sector put together. Microfinance institutions provide poor people with small amounts of credit at reasonable interest rates. The microfinance institutions can be financial cooperatives, rural banks and NGOs. Although credit is an important part of microfinance, it is just one of the diverse financial services that poor people need to improve their lives. Poor people also need saving services, basic insurance options and affordable remittance systems to best manage their assets and generate income. How can women contribute in Financial Sector? Women leaders in Finance have taken leadership to a new level. Not that men dont excel at being leaders. According to a survey by New Jersey based Caliper Corporation, a new paradigm is evolving and women are in the forefront of creating the same. Inclusive financial growth can be attained if the banks touch upon the bottom of the pyramid which consists of approximately 75 percent of the Indian population. We can say that India is divided into two parts one group of privileged class of people having access to the best of the financial facilities and another class of disadvantaged people unable to get the financial facilities. Women are becoming active and popular in all fields and the Indian Stock Market is no exception. The modern Indian women want to save money and are also prepared to take risks. Women at home i.e. the home makers follow the stock market with the help of internet and invest wisely. The home makers also look at the household products which are very useful and of good quality and invest in those companies. For example, when scotch brite was introduced in the market, they found out which company introduced the same and invested in that company. The product was a success and they gained from their investments. Only a very small fraction of the rural Indian population has access to the Microfinance services. Loans as little as Rs. 5000 can give poor people a chance to set up their own small business and create more jobs. A study reveals that 11 percent of the companies across sectors in India had women CEOs. 54 percent of these CEOs are from the financial services sector. Worldwide organizations encouraging women in BFSI. Women Advancing Microfinance International (WAMI) launched in 2003 is the only global network of and for the advancement of individual women in the microfinance industry. One of their core values is to advance and support womens leadership in the microfinance industry through education and training, by promoting leadership opportunities and by increasing visibility of womens participation and talent while maintaining their work life balance. In India also we have organizations to promote microfinance for women. The Indian School of Microfinance for Women headquartered in Ahmedabad was started in June 2003 to address the capacity building requirements in the microfinance sector. The School particularly focuses upon the lives of women who are the primary participants in microfinance interventions. The School does not look upon microfinance as a means of poverty alleviation but also as a means for womens leadership and the building of womens assets. Women in Banking and Finance (WIBF) is a non profit professional organization committed to empowering its members in the banking and finance industry to realize their full potential. The organization is headquartered in London and was founded in 1980 by five members viz Jane Bradford, Susan Law, Lorraine Paddison, Margery Povall and Anne Watts. The organization is run by a highly professional management team comprising of members who give their time on a voluntary basis. All members are encouraged to join the management team to develop their project management skills. Mann Deshi Mahila Sahakari Bank (MDMSB) is a unique cooperative bank run by and for women in Mhaswad, a village in Satara District of Maharashtra. This 10 year old bank has created 16720 women entrepreneurs in the region around Mhaswad. The bank enjoys an excellent repayment rate of 97.5 percent. Successful women in BFSI. One Organization in the BFSI sector in India that can boast of encouraging and able to get the services of women at all levels including the top management is undoubtedly is the ICICI group. K.V.Kamath is one of the lucky persons to be surrounded by women. He has been responsible for empowering many women in ICICI. Out of 11 top management executives reporting to the MD Chanda Kochhar, 3 are women. About 40 percent of the senior management is women and about 25 percent of the total staff is women. The current Managing Director of ICICI bank, Chanda Kochhar is known to be an assertive woman who has climbed the ladder in ICICI both the hard and smart way. She joined ICICI Bank in 1984 as a Management Trainee. She knew nothing about retail banking when she took over the retail operations in ICICI Bank in the year 1998 at the age of 36. She was ranked number 37 in the list of worlds most powerful businesswomen in the year 2006. Shikha Sharma, the current CEO of Axis Bank was the Managing Director of ICICI Prudential and played a major role in the growth of ICICI Prudential. She is an early achiever, fast learner and fiercely competitive. She was responsible for setting up the joint venture with U.K based Prudential and bringing ICICI Prudential in the Indian Insurance Map as the largest private sector insurance company in the country. The first woman to rise to a senior position at the bank was Lalita Gupte, who was hired in 1971 and retired as Joint Managing Director. She played a leading role in transforming ICICI in the 1990s, and then started the banks international business in 2001, servicing overseas Indians and expanding investments abroad. That business now accounts for 15% of ICICIs $56.3 billion in net assets. She joined Alstoms Board of Directors in 2010. She is also the non-executive chairman of ICICI Venture Funds Management Company. Madhabi Puri-Buch joined ICICI Bank Ltd in project finance department in 1989. She served as Senior General Manager of ICICI Bank since 2003. She serves as Head of Operations and Group Corporate Brand Officer of ICICI Bank Ltd. She is in charge of Retail Asset Operations and the Product and Technology Group in the Wholesale Banking Group of ICICI Bank. She has been Chief Executive Officer and Managing Director of ICICI Securities since February 1, 2009. Kalpana Morparia now is the Head of India Operations of JP Morgan Chase Co. She joined the legal department of ICICI in 1975 and became a board member in 2001. She was appointed as Joint Managing Director of the bank in 2001. She played a key role in ICICI Groups capital raising exercise as well as the merger of ICICI with ICICI Bank in 2002. After 33 years of service with ICICI, she joined JP Morgan in 2008. Renuka Ramnath was the Head of one of Indias largest private equity fund ICICI Venture. She is often referred to as the mother of Indian private equity. She quit ICICI venture in 2009 to setup private funds with former executives of Indian PE industry. Ramnath has been the Managing Director CEO of ICICI Venture since 2001. During her career spanning over 20 years with the ICICI Group, Renuka has spearheaded various business initiatives. She began her career at the Merchant Banking division of ICICI and then headed the Corporate Finance and Equities businesses at ICICI Securities, an investment banking JV between ICICI and JP Morgan. Vishakha Mulye is currently the Managing Director CEO of ICICI Venture Funds Management Company Limited. Mulye was earlier the Executive Director of ICICI Lombard General Insurance Company Limited and the Group Chief Financial Officer of ICICI Bank Limited. Mulye is a Chartered Accountant and joined the ICICI group in 1993. She has worked extensively in the areas of project finance, structured finance, treasury, corporate planning and strategy, investor relations and resolution of distressed assets. She played a key role in the merger of ICICI with ICICI Bank, which led to the creation of the second largest bank in India. Between 2001 and 2005, she set up ICICI Banks structured finance business. This pioneering effort led to the development of an active securitization market in India. During this period, she was also responsible for ICICI Banks client-related treasury and markets operations, capital markets business and relationships with domestic financial institutions and multilat eral institutions. Mulye received the award for Most Powerful Women in Indian Business   2007 from Business Today. The World Economic Forum also selected her as a Young Global Leader for the year 2007. Renu Challu is the current Managing Director, State Bank of Hyderabad. Meera Sanyal is the Country Head Royal Bank of Scotland. Manisha Girotra is Managing Director and Chairperson for Swiss bank UBS in India . Renu Sud Karnad is the Managing Director of HDFC Ltd. Naina Lal Kidwai is the Group MD and Country Head of HSBC in India. Ashu Suyash is the MD and Country Head India of Fidelity International. Tarjani Vakil, former Chairperson of the Exim Bank, is one of the distinguished Indian bankers. She is the first women to head any large bank in India. In 1997, she was recognized by KPMG Worldwide Business as one of the top 50 women to prove her valor in the business. Through the recent economic meltdown and global recession, Reserve Bank of India had two women Deputy Governors Usha Torat and Shyamala Gopinath. Qualities in women that enables them to be successful in BFSI sector: Retail banking is more of relationship marketing rather than transactional marketing. Women excel at relationships. The nurturing and adjusting attitude of women flows into the workplace as well. Women are more practical and moderate risk takers. Women are good listeners and good learners. Women are more resilient and good at learning from setbacks. Women display better empathy and are able to place themselves in the shoes of the customers. Caliper Corporation, the New Jersey based Management Consulting Firm have made the following observations based on their study. Women are more persuasive Women are quick to learn from adversity Women demonstrate an inclusive, team building leadership styles of problem solving and decision making. Women are more likely to ignore rules and take risks. Suggestions for further enhancing the contribution of women in BFSI. The concept of Home Offices should be encouraged so that women may  contribute while raising families simultaneously Flexi time options should be made available to women Affluent Urban women should set up NGOs, Travel to the rural parts and  create awareness about the scope and importance of BFSI sector. Extensive training should be given to the rural women to take up careers  in finance The financial services companies should target the rural households  through the womenfolk. All women Regional Rural Banks should be encouraged. Conclusion It is observed from the secondary research that more and more women are actively participating and contributing to the BFSI sector. Since women are more empathetic, they can better understand customers. Women are more balanced and would take calculated moderate risks. It is high time our leaders realize this and leverage this to the growth of our country. Indian Banks and Financial Institutions with better gender equality on board than their western counterparts, scraped through the economic slowdown unscathed. In the last three decades, the gender equilibrium has become fairly poised.

Poetic Analysis of Fern Hill Essay -- Poetry Essays Poem Fern Hill

Poetic Analysis "Fern Hill" Dylan Thomas's poem "Fern Hill" represents the passage of one mans life from boyhood to adulthood and the realization of his mortality. The speaker in this poem uses expressive language and imagery to depict a tale of growing up. The use of colour adds life and character to people and abstract ideas. He looks up to "Time" (313) as an authority figure who has strict control of his life, and with descriptions of biblical figures we can presume that he is a religious person who believes that God is in control of his destiny. Each of these images contributes to a picture of one man's outlook on life and death. Colour imagery is used in the beginning of the poem as the speaker describes his happiness as a child. He explains his young days as being as "happy as the grass is green" (313), or in other words, alive and healthy. He then directly refers himself to being "green and carefree" (313). As a young boy he was vibrant and full of life. Being full of life, like "green grass" (313), means that there is a natural course that life has to follow, birth to death. Anything living has a purpose in life and the speaker reflects his young days as a "Huntsman and Herdsman" (313). The poem takes a dramatic turn when he describes "fire as green as grass" (313). Fire or burning paired with grass means that something destructive has occurred in the speaker's young life that has changed or altered the course of his natural growth. He is an adult when he looks back and says "before the children green" (314). He had gained an understanding that his life is running out and says time held me "green and dying" (313). He is seeing his "green" (314) life turning brown and wilting. He i... ...ruit. Life changing events would alter a child's perspective of himself. "Fern Hill" is a poem about the realization of life and mortality that appears after an unexpected experience occurs. The speaker is moved to a greater wisdom about himself and the world around him. He realizes that the immortality he felt as a child was merely a step towards the unyielding movement of life towards death. Through the use of colour, time, and religious language readers develop an understanding for the speaker's emotions, beliefs, and passage through life. WORKS CITED Orser, Sandi. ENGL 1155 (01): Introduction to Literature: Gender and Form. MSVU. January 2005. Thomas, Dylan. "Fern Hill." The Harbrace Anthology of Literature. Ed. Jon C. Stott, Raymond E. Jones, and Rick Bower. 3rd ed. Toronto: Nelson-Thomson, 2002. 313-314

Johnny Cupcakes Essay

Johnny Cupcakes is a multi-million dollar clothing brand. The brand was founded in 2001 by Johnny Earle. One of Johnny’s acquired nicknames was Johnny cupcakes. He â€Å"thought it would be funny to make a couple random shirts that said ‘Johnny Cupcakes’ on them for the fun of it† (Earle, 2012). After massive interest in these shirts, he decided to continue to make more and change up the designs. In 2001, Johnny stated, â€Å"the band I was in, On Broken Wings, finally got signed to a record label and we began to tour full time† (Earle, 2012). This opened up Johnny and his t-shirts to a larger crowd of customers in different parts of the country. This boosted the brand’s popularity and Johnny decided to quit the band and focus all of his time, effort, and attention on his t-shirts. Johnny ended up going to trade shows in Las Vegas and eventually â€Å"ended up getting carried by shops in Japan, Europe, and Canada in addition to a few other US locations† (Earle, 2012). Johnny had a turning point moment at that very same trade show later on that year. He realized people didn’t like having the same things as others and that they enjoyed uniqueness. At this point Johnny made the decision to pull all his shirts from retail stores. Earle 2012 stated that he â€Å"decided to make all of his t-shirts limited edition and exclusive, only selling them through his website† and later on in his own retail stores. As the Johnny Cupcakes brand grew, Johnny opened up stores in Hull, MA; Boston, MA; Las Angeles, CA; and London, England. Johnny states that â€Å"Above all, I’ll continue to focus on enhancing my customers’ experiences through my stores, events, website, designs, and packaging. I will never ever sell my brand to investors for all the money in the world. I think you’ll find that things will only get more interesting from here†¦Ã¢â‚¬  (Earle, 2012). The Johnny Cupcakes brand to some can be described as streetwear. Hundreds, 2011 defines streetwear as â€Å"a genre of contemporary apparel, united between sportswear and military looks, and is one that speaks to a spectrum of subcultures (skateboarding and hip-hop mostly).† Some of Johnny Cupcakes major competitors are also streetwear brands such as Us Versus Them, Reason, Benny Gold, Situationormal, Flying Coffin, Clot, Diamond, Fuct, Alife, The Hundreds, A Bathing Ape, Supreme, and Rebel8 among others. These companies not only produce unique designs and clothing, they have a fan base, and what some might call a cult following. They represent more than just a t-shirt. They differentiate themselves by their designs, material, limited edition collections, and the customer experience. Johnny Cupcakes top products are his limited edition t-shirts, but the company also sells sweatshirts, hats and accessories. One of the things that make JC stand out is their packaging. The suppl ies the company needs and uses are not just clothing/accessory based, but just as important is their packaging. Johnny Cupcakes uses bakery style boxes with their cupcake and crossbones logo on it. The company also uses specially made tissue paper to wrap the bought goodies up in. The tissue paper is also marked with the JC logo. The are two major external factors that greatly influence Johnny Cupcakes as a company and those are the economy and trends. Since Johnny Cupcakes offers â€Å"luxury† items (those items that consumers don’t need, but rather want), the economy can play a significant role in their profits. When times are tough, like in an economic recession, the majority of people watch their money more closely. These people may choose to only buy things out of necessity rather than splurge on things they want. Another big obstacle that JC has to stay on top of is the trends of their market. Clothing styles and designs come and go, therefore, Johnny Cupcakes needs to stay at the forefront of what their target market likes otherwise they could easily become extinct. One way JC battles these two external factors is making every shirt limited edition. The limited edition status gives the feel of exclusiveness. People not only crave exclusiveness, but will pay top dollar for it. â€Å"Because they’re collectibles and not just apparel, customers are willing to pay $60 for a Johnny Cupcakes shirt–and even stand in line for a new release like kids waiting for concert tickets† (Spaeder 2007). This exclusiveness plays off of our cultures social classes. Most Americans want to be in a better social class. Exclusiveness is a trait that is common in the highest of classes. The limited edition shirts not only sets the standards for someone’s social status, but also keeps inventory at a low, making sure the products that are produced are sold. Having limited edition shirts erases much of the risks and fears of the changing trends of JC’s market. Since there are only a handful of the shirts available, they are long gone befo re the design and style gets soggy. Also, this allows the company to be very flexible with the changing market. The two major internal factors that impact the organization are how they enhance the customer experience and their product packaging. These are two very important factors that help create the Johnny Cupcakes brand. They are part of the JC culture and without them, the brand wouldn’t be what it is today. Part of the customer experience lies in JC’s three retail store locations. â€Å"They’re set up just like bakeries, complete with glass display shelves, employees wearing aprons and the smell of vanilla frosting in the air† (Spaeder 2001). During big releases or setting up weekend pop-up stores, Johnny himself will be there to greet and talk with everyone of the customers that walk through his store. This again is part of the experience and connection he wants his fans to feel when they think of the Johnny Cupcakes brand. Johnny thinks â€Å"nice packaging sets an experience, a memory, or a safe-keeping that is sometimes just as important as the product it self. I’m a sucker for nice packaging† (Earle, 2012). When conducting a SWOT analysis of Johnny Cupcakes, some of the company’s strengths, weaknesses, opportunities, and threats have already been discussed. JC’s major strengths are the exclusiveness it personifies by selling limited edition shirts and the customer experience it provides. One of its major weaknesses is the fact that it only has three retail stores and an online store. If it were to grow (and being a multi-million dollar business it has the resources to do this) it could reach more of a customer base and increase not only its fan following, but its sales as well. A huge opportunity that Johnny Cupcakes has is the fact that it has done several successful collaborations with other companies including Nickelodeon and Hello Kitty, which expands its customer and fan base. As with all companies, a threat is competition. If JC can stay authentic to its audience then it will overcome the competition. As stated earlier, since JC is a luxury brand, the economy and trends are another threat. Listening to their market will definitely help subdue these threats. One of Johnny Cupcakes biggest resources and assets are its customers. Johnny Cupcakes has not only been able to acquire customers, but also fans and audiences (which is much more powerful). The reason the JC brand has been able to do this is because of the experience a customer gets when going into a store or a pop-up shop. When a customer sees their Johnny Cupcakes shirt they remember an experience they had when purchasing the shirt. I personally have two JC shirts (one was given as a gift so I don’t have an experience to associate with that but my parents, who bought the shirt for me do). I do have a vivid recollection of an experience I had when purchasing my first Johnny Cupcakes t-shirt at a pop-up shop on Martha’s Vineyard. There was a line of people waiting at a small bakery for it to open its doors. Everyone was unsure of what the t-shirts would look like because the designs had not yet been released. Not knowing what shirts will be sold definitely gives a little sense of excitement and surprise; and being excited about a brand goes a long way with customer loyalty. The waiting fans were given diner-like menus to see what shirts would be available. This definitely embodies the Johnny Cupcakes culture and experience. Once the doors were open to the bakery only a few people were allowed in at a time. This also gave the impression of exclusiveness. The limited edition shirts available were all Martha’s Vineyard related. Not only is MV a huge tourist location, but being a resident of the island I had a sense of pride and being able to wear something relating to the island meant something to me, as I am sure it did to others, whether they were residents or tourists gaining a unique souvenir. After purchasing the shirt and leaving the bakery, I was greeting outside by Johnny Earle himself who not only took a picture with me, but also signed my shirt. My parents had a similar experience, telling me what a meaningful conversation they had with Johnny. Every time I pull out my JC t-shirt, I remember my unique experience of t-shirt buying. Johnny Cupcakes is a differentiation strategy user that sells an experience, along with his products. The way the business is run creates fans. JC leverages the company’s resources, the customer experience, to create fans and a following of the brand. There are a handful of such loyal fans that fly out to all his releases to be able to experience them and not miss out on any product or â€Å"show.† JC, on a smaller scale, reminds me of the cult following of The Grateful Dead. Deadheads knew each show was unique and didn’t want to miss out on any one of them. There are many Johnny Cupcakers who feel the same way. On March 24 of 2011, Johnny Cupcakes went international and opened up a store in London. Johnny had previously tested the waters in London by way of pop-up stores. His store in London was a huge hit, and he plans on a huge one-year celebration. Johnny opened up his store in London the same way he started is brand and opened up his other stores in the USA, with no investors, partnerships, or alliances. He started off small and threw his profits right back into his brand. One of the things Johnny Cupcakes prides itself on is not having to use investors or other companies to grow their brand. Part of this is what makes the brand who and what they are today. By staying authentic and listening to their market, Johnny Cupcakes will be continue to be successful in the years to come. With more years of success under his belt, Johnny may want to fur ther expand his brand in the global market. References Earle, J. (2012). Story. Retrieved from: http://www.johnnycupcakes.com Hundreds, B (2011). The 50 Greatest Streetwear Brands. Retrieved from: http://http://www.complex.com/style/2011/06/the-50-greatest-streetwear-brands Spaeder, K. (2007). By Popular Demand. Retrieved From: http://www.entrepreneur.com/article/177912

Baroque Music And The Baroque Era - 1366 Words

Baroque music began in Italy and it spread to all other parts of Europe. The musical characters in the baroque era pursued interests in subjectivity of the observers and created a deep human feeling while composing their music (Harbison 22). This character of the baroque artists is depicted in several works done by Michelangelo. One of the pieces of art was campidoglio on the hill capitalino. The picture above takes the structure of a sculpture and it is placed in a three dimension space having different open square loggia. It has lamps on the staircase as shown and there are various sculptures existing. In relation to baroque music, as a person climbs the staircases near the lamp areas, the visuals effects changes with time as he†¦show more content†¦In such kinds of music the major has high range, the various consonants, and the fast tempo in the music representing joy in the making of the music and the minor such as dissonant, the slow tempo and low pitch in the music ar e used to represent the general feelings of sadness. The messiah is characterized by an orchestral restraint something that was ignored by other musicians who adopted the same genre of music, for example, Mozart (Steinberg 154). According to Lorraine Hunt and Nicholas CD, the messiah begins with a quiet note, whereby the first chorus is paved the way for by musical instruments (Lorraine and Nicholas).The whole oratorio does not have any particular key but music specialists have concluded that it tends to lean towards an E major. â€Å"I Know My Redeemer Lives†, music is far field from E major, which is a major scale specifically based on E. It has a three-part A-B-A structure and an obbligato trumpet that is expected by an opera audience (Frideric 47). . The opening soprano for part three,† I Know My Redeemer Lives† features a simple violin accompaniment. The first scene tells of the resurrection of Christ based on the teachings of Job. Soprano air starts in the part of the song â€Å"I know that my redeemer liveth and that he shall stand†¦Ã¢â‚¬  and dominates the whole part of the music. 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