Market Segmentation by Coca Cola Case Study Example | Topics and Well Written Essays - 1000 words

Market Segmentation by Coca Cola - Case Study Example Factors influencing consumer choice such as psychological, socio- cultural, economic government, lifestyles, perception, motivation, attitudes, consumer behavior toward a cold drink, family preference reference group, disposable income, discretionary income and other relevant factors have to be taken into account for segmenting the market and penetrating into different niche markets. For last 5-6 years many banks and other financial companies targeted low-income groups with bad credits for sub-prime mortgages. These debtors were risky on the standard of credit rating below 6 and were expected to default one day or other. The real motive of the banks to extend credits to such borrowers were to earn quick profits in the background of flush of liquidity with then after the stock market bust in 2001 and the craze of many people to have his own house at any cost. This two supply and demand poles met each other. Financial companies became aggressive in targeting this segment for loans so much so that liquidity with them started falling, thereby creating pressure on lending rate and the resultant credit control by banks. There were numerous defaults in repayments causing credit crisis. In recent years housing prices in USA, were so steeply high that there was speculation of house bubbles. In research paper published in the Journal of Housing research v... This two supply and demand poles met each other. Financial companies became aggressive in targeting this segment for loans so much so that liquidity with them started falling, thereby creating pressure on lending rate and the resultant credit control by banks. There were numerous defaults in repayments causing credit crisis. In recent years housing prices in USA, were so steeply high that there was speculation of house bubbles. In research paper published in the Journal of Housing research volume 6, Issue to by Robert Quercia, George W. Mccarthy & Michel A Stegman similar opinion has been expressed on Mortgage default among rural, low income borrowers. "When mortgage risks are not well understood households are forced to pay mortgages insurance premiums or mortgage interest rates that are higher than necessary to compensate for the higher risk involved.that lenders perceive them to represent" Data from 2000-01 on foreclosed homes at Utah has used by Amber Gallagher Utah State university points out the fact of defaulting of payments and the following fore closer of the houses of the first time home buyers against loans. They were also subjected to specific segment targets for marketing loans but they were not fit for the mortgage. Payment to income ratio and loan to value ratio were at low level. No ethics support such target marketing on lower income groups who are either ignorant about the risk or poor enough to afford on their own but have craze to have a house, which is the primary need for everyone. Financial companies with their own motives to earn quick profit target these people and for this they impose unsolicited terms in the garb to squeeze them. When the borrowers fail to repay the loan or interest in time their houses

Politics and Equality Essay Example | Topics and Well Written Essays - 500 words

Politics and Equality - Essay Example Kelly Florence, to name only three, among many, who made it easier for women like, Nancy Pallosi, Hillary Clinton and Sarah Palin to compete with men in the political arena. Introduction: The quintessential concept of equality between the sexes is as old, as perhaps the Biblical account of Adam and Eve. She was made from the rib of Adam, by the Lord God, to be the consort and companion of the first man, so her subservience is but a natural corollary of the story. Theology apart, world history is also replete with instances of the lesser status of women as compared to men. So, Cleopatra, perhaps the most powerful woman of her time, was less in status to the Cesar and later Anthony, only because she was a woman. This notion of male superiority is deeply ingrained in the psyche of mankind, and the examples that I have cited are incidents and /or aspects of this phenomena of our societal behaviour in general and of the individual aspects of our domestic existence, in particular. The movement of the American women to shrug off this yoke of subservience to patriarchal hegemony, is typified in the movement of attaining the right of vote for the American women, that on the one hand has challenged centuries old notion of male domination and on the other hand, is a milestone in human history, where the women have fought for what was, and is their inalienable right as human beings__ that of justice and equality with men. The movement of the American women to acquire the right of vote is referred to as the Suffrage movement. The focus of this movement was to get the right to vote for the American women. In words of Jo Freeman: "The Suffrage was not a united movement. It was a coalition of different people and organisations that worked together for a few intense years around the common goal of votes for women." The organisation that headed this movement was the National American Woman Suffrage Association (NAWSA) under the able leadership of Carrie Chapman Catt. "She