Customer lifetime value to managing marketing strategies in the financial services

The more a marketing paradigm evolves, the more long-term relationship with customers gains its importance. Nowadays most of corporations and firms in the world, including manufacturers and servicers, increasingly gain their incomes and profits through constructing and maintaining long-term relationship with customers. The move towards a customer-centered approach to marketing, coupled with the increasing availability of customer transaction data, has led to an interest in understanding and estimating customer lifetime value (CLV). Furthermore as marketing endeavors to be more accountable, the need of tools and models for measuring and evaluating efforts and investments that accomplish in marketing extent, is felt. In the other hand strategic planning and management is one of the vital issues of the present organizational context. In this paper the position of CLV in the marketing strategies and strategic planning and management, are recognized. Also based on this study a new conceptual model for the position of CLV in Strategic marketing Planning will be presented. The applied and theoretical recommendations in the end of the paper will be presented

A conceptual model to explain strategic alignment in the financial services based on balanced scorecard

The lack of alignment of organization elements towards the organizational strategy leads to poor execution. When the different departments of the organization have different strategies that are different directions and implementations, the whole organizational purposes and visions rarely could archive. The main purpose of this research is to present a valuable approach for success organizations that we named strategic alignment. For this purpose we use the Balanced Scorecard (BSC). The Balanced Scorecard is a management tool used to translate the corporate strategic mission and vision into a set of quantifiable indicators of performance. In other words, it is intended to explain what to do and how to do it. The real contribution of a Balanced Scorecard program is to link the objectives in each of four perspectives: financial, processes, customers, and growth and learning. In this study using a valid questionnaire and also with focus group method the final theoretical research model was presented. Results of this research showed that BSC is a useful tool and has high validity and reliability for strategic alignment for financial organizations. The results are applicable for both academicians and practitioners for managing strategies and related programs and tactics in the financial institutions and organizations

RUMPAKA KAWIH SUNDA ISLAMI SANGGIAN MANG KOKO PIKEUN BAHAN PANGAJARAN KAWIH DI SMP KELAS VIII : Ulikan Struktur Jeung Ajen Atikan

Ieu panalungtikan miboga tujuan pikeun ngadéskripsikeun (1) struktur rumpaka kawih Sunda Islami, (2) ajén atikan rumpaka kawih Sunda Islami, sarta (3) larapna hasil panalungtikan salaku bahan pangajaran kawih di SMP kelas VIII. Métode nu digunakeun dina ieu panalungtikan nyaéta métode deskriptif analisis, kalayan téhnik panalungtikan anu digunakeun nyaéta téhnik transkripsi jeung talaah pustaka. Anu jadi sumber data dina ieu panalungtikan téh nyaéta rumpaka kawih Sunda Islami sanggian Mang Koko. Hasil nu kapanggih dina ieu panalungtikan nyaéta struktur rumpaka kawih Sunda Islami sanggian Mang Koko ngagunakeun struktur puisi nu ngawengku imaji, simbul, musikalitas, suasana, téma jeung gaya basa. Imaji nu nyangkaruk lolobana nyaéta imaji auditif. Simbul nu nyangkaruk aya opat puluh hiji. Musikalitas nu nyangkaruk lolobana sora vokal a jeung genah upama dihaleuangkeun. Suasana lolobana ngagambarkeun suasana kabungah jeung sedih. Téma anu nyangkaruk lolobana ngeunaan kakawasaan Allah Swt. Gaya basa nu digunakeunana lolobana gaya basa mijalma (personifikasi) jeung gaya basa kahanan. Ajén atikan nu nyangkaruk dina tilu belas rumpaka kawih Sunda Islami sanggian Mang Koko anu ditalungtik ngawengku ajén moral, ajén sosial, jeung ajén agama. Ieu hasil panalungtikan bisa dijadikeun bahan pangajaran kawih di SMP kelas VIII. Mangpaat tina ieu panalungtikan nyaéta bisa ngeuyeuban élmu pangaweruh siswa kana struktur jeung ajén atikan dina rumpaka kawih Sunda Islami sanggian Mang Koko, jeung miharep masarakat sangkan wanoh kana kawih-kawih Sunda hususna kawih Sunda Islami sanggian Mang Koko.; Penelitian ini bertujuan untuk mendeskripsikan (1) struktur lirik kawih Sunda Islami, (2) nilai pendidikan lirik kawih Sunda Islami, serta (3) penerapan hasil penelitian sebagai bahan pembelajaran di SMP kelas VIII. Metode yang digunakan dalam penelitian ini adalah metode deskriptif analisis, dengan teknik penelitian yang digunakan yaitu teknik transkripsi dan telaah pustaka. Yang dijadikan sumber data dalam penelitian ini yaitu lirik kawih Sunda Islami karya Mang Koko. Hasil yang terdapat dalam penelitian ini adalah struktur lirik kawih Sunda Islami karya Mang Koko menggunakan struktur puisi yang terdiri dari imaji, simbol, musikalitas, suasana, tema dan gaya bahasa. Imaji yang terdapat dalam lirik kawih Sunda Islami ialah imaji auditif. Simbol dalam lirik kawih Sunda Islami terdapat empat puluh satu simbol. Musikalitas yang terdapat dalam lirik kawih Sunda Islami ialah dominan menggunakan suara vokal a dan layak untuk dinyanyikan. Suasana yang dominan dalam lirik kawih Sunda Islami ialah suasana gembira dan sedih. Tema yang dominan dalam lirik kawih Sunda Islami yaitu tentang kekuasaan Allah Swt. Gaya bahasa yang digunakan merupakan gaya bahasa personifikasi dan gaya bahasa kahanan. Nilai pendidikan yang terdapat dalam tiga belas lirik kawih Sunda Islami karya Mang Koko terdiri dari nilai moral, nilai sosial, dan nilai agama. Hasil penelitian ini bisa dijadikan bahan pembelajaran kawih di SMP kelas VIII. Manfaat dari penilitian ini adalah bisa memperdalam ilmu pengetahuan siswa terhadap struktur dan nilai pendidikan dalam lirik kawih Sunda Islami karya Mang Koko, serta diharapkan agar masyarakat mengetahui kawih-kawih Sunda khususnya kawih Sunda Islami karya Mang Koko.; This study aims to describe (1) the structure of the Islamic Sundanese kawih lyrics, (2) the educational values of the Islamic Sundanese kawih lyrics, (3) the application of the results of this study as a learning material in second year students of Junior High School. This study uses descriptive analysis method, the technique used in this study is transcription technique and literature review. The data of this study is the lyrics of Mang Koko’s Islamic Sundanese kawih. The results of this study are (1) the structure of Mang Koko’s Islamic Sundanese kawih lyrics uses a poetry structure consisting of images, symbols, musicality, atmosphere, themes, and figurative language. The images consist in the Islamic Sundanese kawih lyrics is auditive image. The Islamic Sundanese kawih lyrics consists of forty-one symbols. The dominant musicality used in the Islamic Sundanese kawih lyrics is an ‘A’ vowel sound and it is worth to sing. The dominant atmosphere in the Islamic Sundanese kawih lyrics is the atmosphere of joy and sadness. The dominant theme in the Islamic Sundanese kawih lyrics is about the power of Allah Swt. The lyrics mostly uses personification and kahanan as the figurative language; and (2) the educational values in the thirteen Islamic Sundanese kawih lyrics by Mang Koko consist of moral values, social values, and religious values. The results of this study can be used as a learning material for kawih in second year students of Junior High School. This study is expected to be able to deepen the students’ knowledge of the structure and the educational values consisted in the lyrics of Mang Koko’s Islamic Sundanese kawih. It is also expected that the people will be able to know the Sundanese kawih especially Islamic Sundanese kawih by Mang Koko

An empirical investigation to analysis the dimensions of cultural security: A case study of educational system

The purpose of this study is to explore the concept of cultural security and its practical implications in a case study of educational system. There are several definitions of culture, which describe different aspects of cultural security. In fact, cultural security tends to show various behaviors, thinking, beliefs and other people’s perspectives in a society, which represents the overall circumstances. Cultural security and its issues make it possible to have a clear image of a society or community. This paper aims to identify the important dimensions of cultural security in terms of basic components of cultural security identified in a framework. Therefore, after identifying the components, using a questionnaire, required data are gathered from the universities of the city of Ilam, Iran and they are analyzed by SPSS18.0 software and its appropriate statistical tests

Investigating effectiveness of in-service training courses: applications for in-service training of Tehran municipality

Making a responsive, favorable and efficient official system can be realized thorough training courses based on its current and future needs. The main aim of organizational trainings is facilitating organizations staff improvement in all aspects. On the other hand, what makes planning and administering organizational trainings legal, is their efficiency degrees. Since, the constant improvement of training system is a vital necessity in advancing organizational goals, this study tries to examine components affecting efficiency and effectiveness of in-service training in organizations. The results can be applied by authorities of short-term training courses of Tehran Municipality Organization. Outcomes of the present study revealed that some components like training need assessment and adjusting education system with organization strategies have key roles in improving efficiency and effectiveness of in-service training courses in organizations

Illusion Mechanisms with Cylindrical Metasurfaces: A General Synthesis Approach

We explore the use of cylindrical metasurfaces in providing several illusion mechanisms including scattering cancellation and creating fictitious line sources. We present the general synthesis approach that leads to such phenomena by modeling the metasurface with effective polarizability tensors and by applying boundary conditions to connect the tangential components of the desired fields to the required surface polarization current densities that generate such fields. We then use these required surface polarizations to obtain the effective polarizabilities for the synthesis of the metasurface. We demonstrate the use of this general method for the synthesis of metasurfaces that lead to scattering cancellation and illusion effects, and discuss practical scenarios by using loaded dipole antennas to realize the discretized polarization current densities. This study is the first fundamental step that may lead to interesting electromagnetic applications, like stealth technology, antenna synthesis, wireless power transfer, sensors, cylindrical absorbers, etc.Comment: 12 pages, 9 figure

The key role of knowledge-oriented leadership regarding to knowledge management practices in innovation performance of manufacturing and commercial companies of Guilan province

In the new business environment that is characterized by turbulence and increasing complexity, the ability to establish and maintain a company's competitive advantage lies in its knowledge. The main objective of the study was to investigate the impact of knowledge oriented leadership on the innovation performance regarding to the role of knowledge management practices in manufacturing and commercial companies of Guilan province. The research is applied in terms of objective, and its methodology is descriptive. The population of study included manufacturing and commercial companies of Guilan province. To select a sample, convenience method was used. According to the Cochrane limited formula, total of 282 people were selected. Cronbach's alpha for reliability of the questionnaire was used. In this study, data were analyzed, by descriptive analysis, structural equation modeling and path analysis using SPSS 22 and Lisrel 8.50. Findings suggest that knowledge-oriented leadership has effect on creation of knowledge and application knowledge. Knowledge creation and application of knowledge has effect on the innovation performance. It was found that knowledge management practices has a mediating role in the relationship between knowledge-oriented leadership and innovation performance