The impact of ethnic diversity on microenterprise start-ups

Until recently, factors determining the decisions made by microfinance institutions (MFIs) to extend loans to business start-ups had not been explored. Recent evidence shows that MFI performance with regard to funds issued for small business start-ups depends on MFI-level characteristics such as profit orientation. We argue that these decisions do not only depend on MFI-specific practices or characteristics, but also on the role ethnic diversity plays. Using data on microfinance lending activities for business start-ups, we examine the impact of ethnic diversity on microenterprise start-ups. Results show that ethnic diversity negatively affects the provision of financial capital for business start-up. Furthermore, results also suggest a negative association between ethnic diversity and the share of female borrowers recorded by MFIs. We examine social networks and outreach as potential channels through which ethnic diversity affects business start-ups.     

关于企业实施顾客满意管理的探讨

ISO9000标准明确了“以顾客为关注焦点”,本文分析了企业顾客的分类,顾客满意的理论分析,企业如何研究顾客 满意程度,如何管理顾客满意做了几点探讨。     

治理机制对顾客参与价值共创行为的影响——虚拟品牌社区的实证研究

虚拟品牌社区是企业与顾客进行价值共创的重要平台,顾客参与价值共创行为对企业长远发展具有十分重要的作用。现有研究多是基于不同的理论从顾客视角出发探索顾客参与价值共创行为受到的心理动机和个人特征等因素的影响,鲜有从企业视角出发,探索治理机制对虚拟品牌社区中顾客参与价值共创行为的影响。本文立足交易成本理论与社会交换理论,从企业视角切入,引入关系质量作为中介变量,构建虚拟品牌社区治理机制、关系质量与顾客参与价值共创行为的关系整合模型。采用问卷调查法对模型进行验证,研究结果显示:(1)契约治理机制只对知识贡献行为产生显著正向影响,对顾客公民行为的影响不显著,而关系治理机制对知识贡献行为与顾客公民行为均具有显著正向影响。(2)关系质量在契约治理机制与顾客公民行为的关系中起完全中介作用,在契约治理机制与知识贡献行为、关系治理机制与知识贡献行为以及关系治理机制与顾客公民行为的关系中起部分中介作用。由研究结论可知,虚拟品牌社区一方面应综合运用契约治理机制与关系治理机制来有效地促进顾客参与价值共创行为,以弥补单独运用某一种治理机制存在的不足;另一方面也应注重关系质量在虚拟品牌社区中促进顾客参与价值共创行为...     

Knowledge Management and Customer Relationship Management for Accounting Services Companies

By combining the abilities to respond directly to customer requests and to provide the customer with a highly interactive, customized experience, companies have a greater ability today to establish nurture and sustain long-term customer relationships than ever before. The ultimate goal is to transform these relationships into greater profitability by increasing repeat purchase rates and reducing customer acquisition costs. Customer relationship management （CRM） has a significant potential to leverage an organization＇s performance, but it does not come without a clear sense of destination and typically without pain. For the research methodology we use the database of customers of a Romanian accounting services company Vulpoi ＆ Toader Management SRL, which is an important player in this market. The goal of our paper is to find out the link between knowledge management （KM） and CRM for this company and how these ＂innovations＂ contribute to increasing the value of the business.     

产业多样性与经济稳定关系研究评述

产业多样性与经济稳定的关系是经济理论者和区域经济决策者关注的重要课题,相关研究成果也十分丰富。通常认为产业多样性有利于区域经济稳定,但是相关证据缺乏说服力,仍然存在大量争议。文章立足于产业多样性概念的演变,分析产业多样性与区域经济稳定之间关系的不同论点,并归纳总结现有研究的缺陷与未来的研究方向。     

基于顾客让渡价值的异地品牌消费经济价值分析

在品牌消费市场存在着本地和异地二元市场的情况下,企业因发展需要会不断寻求顾客让渡价值与企业让渡价值的均衡值。企业的发展行为会改变产业的市场格局和竞争状态,进而影响市场价格的波动。当激烈的市场竞争造成企业让渡价值小于零的情况时,通过分析和认识品牌消费价值的组成,企业可以通过品牌价值交换平台来分别评估和出让各自的异地市场,以本地消费市场的扩大来变相实现异地品牌消费市场的价值,从而实现顾客让渡价值与企业让渡价值的再均衡。     

我国超市发展的现状及对策

文章以即将加入WTO ,世界一些知名的经销商将更多地进入中国市场为背景 ,分析了现阶段我国超市经营中存在的问题 ,提出了相应的对策。     

网店客服管理难题与对策

网络购物的快速发展催生了一个新兴的网店客服职业。在网店客服管理中存在着招人难、管人难、留人难三大难题。管理者需要从加强校企合作和企企合作、强化对客服的培训和激励、重视网店的组织凝聚力建设三个方面入手,以实现客服人员的＂招得上＂、＂用得好＂和＂留得住＂。     

基于ACSI模型,对高职院校的学生满意度的思考

高职院校提供了一种以顾客为中心的教育服务模式,将学生作为高职院校直接顾客。本文分析了高职院校的顾客的特点,借鉴美国顾客满意度指数模型（ACSI,American Customer Satisfaction Index）设计了高职院校的顾客满意度模型,给出了提高高职院校顾客满意度的建议。