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Uso da internet na pós-venda de serviços business-to-business; Internet use in the business-to-business after-sales services

Rigato, Carlos Alberto
Fonte: Biblioteca Digitais de Teses e Dissertações da USP Publicador: Biblioteca Digitais de Teses e Dissertações da USP
Tipo: Tese de Doutorado Formato: application/pdf
Publicado em 13/03/2013 PT
Relevância na Pesquisa
65.71%
No intuito de melhor entender a situação atual, objeções, limitações e perspectivas de uso da internet na pós-venda de serviços business-to-business, este estudo objetivou avaliar por que e como a internet está sendo ou não utilizada nas atividades de pós-venda de serviços de impressão corporativa e propor sugestões de melhoria desse uso para o público acadêmico científico e para os praticantes de gestão. Para isso, foi realizada uma pesquisa exploratória usando estudo de casos com duas revendas de serviços de impressão corporativa. Como síntese dos padrões das descobertas, tem-se que: a internet tem sido utilizada para obter maior agilidade na correção de problemas e na leitura dos contadores de impressão nos equipamentos; os recursos mais utilizados são o e-mail, o portal e o acesso remoto a equipamentos do cliente, o que representa um uso básico e, à medida em que se evolui na oferta de serviços de impressão, o uso da internet se torna mais complexo; a mídia social, incluindo as redes sociais, não é utilizada nem existe uma estratégia definida para seu uso; o estilo de venda voltado para a solução de problemas e o planejamento baseado em valor influenciam o uso da internet, enquanto que a venda pessoal gera no cliente uma expectativa de que a pós-venda também seja presencial; esse uso da internet pode impactar positivamente o composto de marketing...

Options to Increase Access to Telecommunications Services in Rural and Low-Income Areas

Muente-Kunigami, Arturo; Navas-Sabater, Juan
Fonte: World Bank Publicador: World Bank
Relevância na Pesquisa
65.91%
Recent evidence suggests that increasing overall service coverage and promoting access to telecommunications services have a high economic benefit. Overall, it is estimated that a ten percent increase in mobile telephony penetration could increase economic growth by 0.81 percent in developing countries, whereas a ten percent increase in broadband penetration could increase economic growth by 1.4 percent. In rural and low-income areas in particular, not only do basic telephony services and broadband access allow population to connect with relatives and friends, but they have also introduced a dramatic increase in productivity and in many cases have become the only way for small and medium enterprises in rural areas to access national and, in some cases, global markets. Moreover, the impact of access to telecommunications in rural areas on health, education, disaster management, and local governments has allowed better and more rapid responses, improved coordination, and more effective public management. It is therefore worthwhile to take a second look at all possible policy options...

Financial Access 2009 : Measuring Access to Financial Services around the World

Consultative Group to Assist the Poor
Fonte: Consultative Group to Assist the Poor/The World Bank, Washington, DC Publicador: Consultative Group to Assist the Poor/The World Bank, Washington, DC
EN_US
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85.85%
Financial Access 2009 introduces the latest data from a survey of financial regulators in 139 countries. It presents indicators of access to savings, credit, and payment services in banks, and in regulated nonbank financial institutions. It is intended for a broad audience of policymakers, researchers, practitioners, multilateral and bilateral investors, in order to guide monetary policy, monitor systemic risks, and collect information on the values of deposits and credit. This report reviews three interventions: disclosure requirements, interest rate caps, and methods to address excessive lending that can result in consumer indebtedness. Improved transparency and disclosure allow borrowers to make informed choices and can facilitate competition in financial markets, eventually leading to lower prices and improved products. Policies to restrict interest rates or credit quantity, especially in consumer credit, seem to have limited effect but require further analysis.

Closing the Gap in Access to Rural Communications : Chile 1995-2002

Wellenius, Bjorn
Fonte: Washington, DC: World Bank Publicador: Washington, DC: World Bank
EN_US
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65.71%
The study documents, and reviews the Chilean experience in rural telecommunications, by focusing on the principles, practical organization, basic design, and outstanding issues for extension of a more advanced form of approach to communication, and access to information. It examines in depth the results, and success factors of the Telecommunications Development Fund, established in 1994, a success largely due to the extensive reliance on market forces to determine, and allocate subsidies, to minimal regulatory intervention, and relatively simple processing. The design of the Fund proved robust, and remains the leading example of a cost-effective solution to reduce access gaps in basic communication in emerging economies. However, questions remain on the sustainability of services for the long run, on how to support the small, but still excluded rural population, and on potential, further needs in urban areas.

Mongolia : Gender Disparities in Labor Markets and Policy Suggestions

Khan, Tehmina; Aslam, Monazza
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
EN_US
Relevância na Pesquisa
65.84%
Mongolia has made strong progress on key gender-related Millennium Development Goals (MDGs) in recent years. Gender indicators in education and health are also better in many respects than in comparator countries in the East Asia and Pacific region. Women have a limited presence in higher level managerial positions and in entrepreneurial work, and working women also have to shoulder most of the household and care duties compared to men. These inequalities can have large impacts on development, growth and productivity as well as pervasive intergenerational social costs. Removing impediments to full and equal participation for women in the economy, providing equal access to economic resources and opportunities and eliminating discrimination can boost productivity and competitiveness for firms with wider benefits for the economy and within the household. A range of potential policy actions can be considered, including improving employment outcomes (wages, career progression) for women in the public sector...

Growing Women-led Enterprises in the Mekong : Testing a Methodology for Accelerating Growth

World Bank
Fonte: Washington, DC Publicador: Washington, DC
EN_US
Relevância na Pesquisa
65.96%
According to a recent global entrepreneurship monitor, 48 percent of entrepreneurs globally are women. Growth-oriented women entrepreneurs face challenges such as lack of access to support services and relevant knowledge as well as regulatory and legal barriers. Recognizing the barriers that often prevent women from growing their businesses, infoDev embarked on a small pilot project designed to test a new methodology for increasing the capacity, confidence, and networks of growth-oriented women leading small businesses. The objective was to test whether this methodology will indeed lead to business expansion. infoDevapos;s pilot - the Mekong womenapos;s entrepreneurship challenge (MWEC) - set out to test a methodology based primarily on structured facilitation of peer-to-peer learning among growth-oriented women entrepreneurs. This report discusses the design, outcomes, and lessons of MWEC in further detail and provides a few preliminary recommendations for the design of future programs targeting the growth of women-owned enterprises.

Scaling Up Access to Electricity : Pay-as-You-Go Plans in Off-Grid Energy Services

Moreno, Alejandro; Bareisaite, Asta
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Tipo: Artigo de Revista Científica
EN_US
Relevância na Pesquisa
65.72%
Although the payment models offered by off-grid energy companies are less flexible than those implemented with great success by mobile telephone companies, they may still have an important role to play in scaling up off-grid energy services for billions of people who lack access to electricity. More research is needed to assess the importance of flexible payments in attracting reliable low-income customers.

Access to Finance for Smallholder Farmers

International Finance Corporation
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Trabalho em Andamento
EN_US
Relevância na Pesquisa
65.67%
The percentage of smallholders with access to finance is equally difficult to quantify. According to estimates, even promising approaches to expanding smallholder lending, such as value chain finance, are reaching fewer than 10 percent of smallholders, primarily those in well-established value chains dedicated to higher value cash crops. International Finance Corporation (IFC) has been engaged for several years in learning efforts through diverse partnerships to obtain insights into the challenges of agricultural finance. The evidence of microfinance institution (MFI) involvement in financing commercial and semi-commercial smallholders remains anecdotal and lacks specifics on what makes MFI lending to these segments feasible, and what restricts their reach and effectiveness. This IFC study aims to identify and disseminate lessons emerging from the work of MFIs that have implemented agricultural operations targeting agricultural smallholders in Latin America and the Caribbean (LAC) to support replication and expansion of scalable approaches. Through this research...

Dual Credit Markets and Household Access to Finance; Evidence from a Representative Chinese Household Survey

Cull, Robert; Gan, Li; Gao, Nan; Xu, Lixin Colin
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Tipo: Working Paper; Policy Research Working Paper; Publications Research
ENGLISH; EN_US
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65.9%
Using a new and representative data set of Chinese household finance, this paper documents household access to and costs of finance, along with their correlates. As in most developing countries, informal finance is a crucial element of household finance, and wealth tends to be associated with better access to formal and informal finance. Better financial knowledge shifts loan portfolios toward formal sources relative to informal ones. Connections to the Communist Party are associated with significantly better access to finance in rural areas but not in urban areas. A larger social network is positively associated with access to informal finance. Controlling for household characteristics, rural residents pay interest rates on loans similar to urban residents. Younger residents pay higher rates, while households on firmer economic footing face lower rates. Taking financial classes and college education is associated with higher interest rates for urban residents, suggesting perhaps that financial knowledge coincides with greater demand for credit in areas with more economic opportunity. Overall...

Egypt : Enhancing Access to Finance for Micro and Small Enterprises

Nasr, Sahar
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Tipo: Publications & Research :: Brief; Publications & Research
ENGLISH
Relevância na Pesquisa
65.78%
This operation provides a $300m line of credit (Financial Intermediary Loan) through Egypt's Social Fund for Development (SFD), the apex body for micro and small enterprise finance, which would on-lend on commercial terms to eligible Non Governmental Organizations (NGOs), potential microfinance institutions (MFIs), and banks. The project objective is to increase micro and small enterprise credit sustainably and broaden the outreach of finance through innovative delivery mechanisms and financial products. It plans to contribute to a sustainable improvement in inclusive access to finance for micro and small enterprises on a commercial basis. The Project went to the Board in March 2010 and is planned to be completed at the end of 2015. This note is based on the Project Appraisal Document (PAD). The project is well underway as of the date of this note but it is too early for any implementation lessons to be collected. Overall, lack of access to finance has been a major factor constraining the growth of micro and small enterprises (MSEs) in Egypt. Microenterprise lending in Egypt is supported by a fragmented set of hundreds of NGOs distinct from the mainstream financial sector. SFD finances 390 NGOs that are on-lending to microenterprises...

Access to Financial Services and the Financial Inclusion Agenda around the World : A Cross-Country Analysis with a New Data Set

Ardic, Oya Pinar; Heimann, Maximilien; Mylenko, Nataliya
Fonte: Banco Mundial Publicador: Banco Mundial
Tipo: Publications & Research :: Policy Research Working Paper
ENGLISH
Relevância na Pesquisa
65.82%
Recent empirical evidence highlights that access to basic financial services can make a substantial positive difference in improving poor people's lives. Accordingly, financial sector reforms that promote financial inclusion are increasingly at the core of policymakers agendas. The Consultative Group to Assist the Poor and the World Bank Group, in response, launched the Financial Access project, including a cross-country database on financial inclusion topics and an annual report to inform the policy debate. Using this database, this paper (i) counts the number of unbanked adults around the world at 56 percent, (ii) analyzes the state of access to deposit and loan services as well as the extent of retail networks, and (iii) discusses the state of financial inclusion mandates around the world.

The Role of Postal Networks in Expanding Access to Financial Services : Country Case - Egypt's Postal Finance Services

World Bank
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Economic & Sector Work :: Policy Note; Economic & Sector Work
ENGLISH; EN_US
Relevância na Pesquisa
65.77%
This paper discusses the role of the postal network in expanding access to financial services in Egypt. It reviews the public postal operator within the postal sector and within the broader context of the communications sector. The roles of the postal network and state and privately-owned banks are also reviewed from the perspective of the financial sector development, with particular focus on payments systems development and microfinance. The ultimate goal of postal reform is to create a system where modern technology and a free flow of information benefit the customer. A modern, efficient postal service that utilizes the latest information technology will not only increase Egypt's social and economic development, but will also contribute significantly to the creation of an Egyptian information society.

Ready for Growth : Solutions to Increase Access to Finance for Women-Owned Businesses in the Middle East and North Africa

World Bank
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Publications & Research; Publications & Research :: Working Paper
ENGLISH; EN_US
Relevância na Pesquisa
65.99%
The Middle East and North Africa (MENA) region is at one of the most critical turning points in its modern history. The Arab spring was driven by the desire for economic opportunity and justice in the face of poverty and unemployment. The development of strong economies that enable both women and men to enhance their livelihoods is crucial for the future of the region. The growth and success of women-owned businesses is one of the most profound changes in the business world today. There is no doubt that women are an emerging market force. However, many businesswomen are not accessing commercial credit, an essential driver of business success. Lack of access to finance and financial services is repeatedly identified as the major constraint for women business owners. This report 'ready for growth: solutions to increase access to finance for women-owned business in the Middle East and North Africa', is designed to shed a light on those barriers. It is the result of a unique International Finance Corporation (IFC) partnership with vital voices and the Middle East and North Africa Businesswomen's Network (MENA BWN). Its purpose is to fill a critical gap in our knowledge of what women-owned businesses need in terms of financial products and services. Building on our knowledge of how commercial banks currently reach the women's market...

The Role of Postal Networks in Expanding Access to Financial Services : Kazakhstan's Postal Finance Services

World Bank
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Economic & Sector Work :: Other Public Sector Study; Economic & Sector Work
ENGLISH; EN_US
Relevância na Pesquisa
65.91%
This paper discusses the role of the postal network in expanding access to financial services in Kazakhstan. It reviews the public postal operator within the postal sector and within the broader context of the communications sector. The roles of the postal network and state and privately-owned banks are also reviewed from the perspective of the financial sector development, with particular focus on payments systems development and microfinance. While this country case on Kazakhstan can stand alone, it is an integral part of this large study of the potential of postal networks to coordinate with financial service providers in 7 countries (Egypt, Kazakhstan, Namibia, Romania, Sri Lanka, Uganda, and Vietnam) and 5 regions (Africa, Asia, Eastern Europe and Central Asia, Latin America and the Caribbean, and the Middle East and Northern Africa). Within Central Asia and the other countries of the former Soviet Union, Kazakhstan's postal network is widely regarded as a leader and pioneer in postal innovation, setting an example for other postal operators in the region. An in-depth assessment of Kazakhstan's postal network development options could also be a model to guide other postal networks.

Vietnam - The Role of Postal Networks in Expanding Access to Financial Services Country case : Vietnam's postal finance services

World Bank
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Economic & Sector Work :: Other Public Sector Study; Economic & Sector Work
ENGLISH; EN_US
Relevância na Pesquisa
65.92%
This paper discusses the role of the postal network in expanding access to financial services in Vietnam. It reviews the public postal operator within the postal sector and within the broader context of the communications sector. The roles of the Vietnam postal network and post bank are also reviewed from the perspective of the financial sector development, with particular focus on payments systems development and micro finance. While this country case on Vietnam can stand alone, it is an integral part of this large study of the potential of postal networks to coordinate with financial service providers in 7 countries (Egypt, Kazakhstan, Namibia, Romania, Sri Lanka, Uganda, and Vietnam) and 5 regions (Africa, Asia, Eastern Europe and Central Asia, Latin America and the Caribbean, and the Middle East and Northern Africa). Five years after its introduction, the Vietnamese Postal Savings Corporation (VPSC) can look back on an impressive record of successes. With its 920 post offices (of 3,000), VPSC operates the second-largest financial service network in the country. It developed as a channel for mobilizing small household deposits...

The Role of Postal Networks in Expanding Access to Financial Services : Egypt's Postal Finance Services

World Bank
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Economic & Sector Work :: Policy Note; Economic & Sector Work
ENGLISH; EN_US
Relevância na Pesquisa
65.77%
This paper discusses the role of the postal network in expanding access to financial services in Egypt. It reviews the public postal operator within the postal sector and within the broader context of the communications sector. The roles of the postal network and state and privately-owned banks are also reviewed from the perspective of the financial sector development, with particular focus on payments systems development and microfinance. The ultimate goal of postal reform is to create a system where modern technology and a free flow of information benefit the customer. A modern, efficient postal service that utilizes the latest information technology will not only increase Egypt's social and economic development, but will also contribute significantly to the creation of an Egyptian information society.

Improving Access to Banking : Evidence from Kenya

Allen, Franklin; Carletti, Elena; Cull, Robert; Qian, Jun; Senbet, Lemma; Valenzuela, Patricio
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Tipo: Publications & Research :: Policy Research Working Paper; Publications & Research
ENGLISH; EN_US
Relevância na Pesquisa
65.68%
Using household surveys and bank penetration data at the district-level in 2006 and 2009, this paper examines the impact of Equity Bank -- a leading private commercial bank focusing on microfinance -- on access to banking in Kenya. Unlike other commercial banks in Kenya, Equity Bank pursues distinct branching strategies that target underserved areas and less-privileged households. Equity Bank presence has a positive and significant impact on households' use of bank accounts and bank credit, especially for Kenyans with low income, no salaried job, and less education and those who do not own their own home. The findings are robust to using the district-level proportion of people speaking a minority language as an instrument for Equity Bank presence. It appears that Equity Bank's business model -- providing financial services to population segments typically ignored by traditional commercial banks and generating sustainable profits in the process -- can be a solution to the financial access problem that has hindered the development of inclusive financial sectors in many African countries.

FYR Macedonia Gender Diagnostic : Gaps in Endowments, Access to Economic Opportunities and Agency

World Bank
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Economic & Sector Work :: Country Gender Assessment (CGA); Economic & Sector Work
ENGLISH; EN_US
Relevância na Pesquisa
65.74%
Former Yugoslav Republic (FYR) of Macedonia has closed several gaps in gender inequalities, particularly in education and health, but key disparities persist in access to economic opportunities and agency, particularly among certain ethnic groups. This report provides an overview of gender disparities in several outcomes related to human and physical endowments, access to economic opportunities, and agency. In addition, it offers potential explanations of these gaps and, in the process, identifies knowledge gaps to be addressed in future research. On average, FYR Macedonia has achieved gender equality in health and in education; however, gender disparities persist for certain population subgroups. However, women are more likely than men to choose general programs or social sciences as their primary field of education. Both men and women are unlikely to undertake additional training following their initial education, but each for different reasons: women are more likely than men to cite family obligations as a key factor in this decision (19 percent of women compared to 1.5 percent of men) as women devote a much larger percentage of their time to domestic activities. In addition...

Chile - County Gender Assessment : Expanding Women's Work Choices to Enhance Chile's Economic Potential

World Bank
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Economic & Sector Work :: Country Gender Assessment (CGA); Economic & Sector Work
ENGLISH; EN_US
Relevância na Pesquisa
75.75%
The Chile Country gender assessments (CGAs) identify gender-responsive policies and actions are strategic for poverty reduction, economic growth, human well-being, and development effectiveness. The report proposes priority policy objectives: increase female labor force participation, especially for low-income households, and reduce discontinuity in women's work experience. The report focus on the gender equality in the labor markets; improve access to financial services; expand access to business networks, business development services, and technology for women entrepreneurs. The potential impacts on economic growth gaps of increasing female labor force participation or reducing the gender gap.

"Learning by Dining" : Informal Networks and Productivity in Mexican Industry

Lall, Somik V.; Ghosh, Sudeshna
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Tipo: Publications & Research :: Policy Research Working Paper; Publications & Research
ENGLISH; EN_US
Relevância na Pesquisa
65.91%
The authors analyze the determinants of firm productivity in a group of Mexican firms. In particular, they test the contribution of external factors such as trade and knowledge diffusion, the availability of infrastructure, informal knowledge exchange, competitive environment, and business regulatory climate. The authors find that one factor consistently emerges as an important proximate source of productivity-access to informal networks. Interaction in the form of "business lunches" with local buyers and suppliers, competitors, government officials, and other professionals have a significant and positive effect on a firm's productivity. Access to regulators and agents of backward and forward linkages are important in settings where information on business practices and regulations is not publicly disclosed. The results complement predictions of traditional growth theory-in addition to technology and learning being the driving force of firm productivity, proximity to influential individuals who can grant favors or provide information advantage on business and trade practices have significant productivity impacts.