Challenges for SMEs in Vietnam and Korea

Challenges for SMEs in Vietnam and Korea Recommendations for the government/policy makers Properly aware and assess the roles of SMEs and start-up firms in the national economy system The Korean government soon realized the roles of SMEs, especially start-up firms in economic reform after the financial crisis is 1997. They published some Law and Regulations on SMEs support since the end of the Korean War, some of which are the SMEs Bank Law (July 1961) and the SMEs Cooperation Law (December 1961). In addition, the governmental institutions and banks to support SMEs were born really soon, they were able to merge into a comprehensive and trustworthy â€Å"system† to maintain the health of SMEs. This reflects the early awareness of the Korean government in the roles of SMEs. In Vietnam, the roles of new enterprises need to be further considered. Besides the measures to enhance the performance of state-owned enterprises, we need to have intensive measures to support SMEs, especially start-up firms because they are the strategic instrument in economic growth. Obviously, when joining WTO – an international playground, SMEs in Vietnam in its current state w ill find it hard to compete.. To fully aware of the condition as well as roles of these enterprises, we need to conduct surveys and researches to find out at which proportion SMEs have contributed to the country’s GDP and other growth indexes. Further, we based on these indexes to evaluate the potential and at what extent the establishment of new firms can reinforce the growth rate of the economy as a whole. Create a suitable environment for SMEs and start-up firms Since the very beginning state of economic reform, regulations concerning SMEs and start-ups activities were clearly and specifically declared. They were also improved through times to adapt to the economic and social conditions of each time phase. Besides the synchronized legal environment, they also own a set of solutions for SMEs: since they start the business till dismissal. The Korean government always tries to create favorable business environment for the growth of start-up firms and SMEs. To minimize the gap between chaebol firms and start-up firms, the government established many institutions and associations to support start-ups firms, namely SMBA, SMBC, KOTEC†¦ as well as provide guarantee for these firms to receive funds from commercial banks with preferential interest rates. When SMEs encounter hardship during operation, the government also comes up with business incubators to help them overcome problems by legal consulting, opening fairs, malls to increase the chanc e of trading and finding business partners. For any nation in the world, favorable business environment is the basic factor, not only for SMEs, but also for big corporations to grow. Vietnam is no exception. Nowadays in Vietnam, the business environment is thriving more than ever before. Business law, finance law, credit monetary trading, labor situation have been improved a lot with the foundation, adjustment, supplement of the Business Code 2005, Investment Code 2005, State Bank Code and Credit Institutions Code 2003†¦ These Codes basically have no discrimination among different business sectors. Moreover, we also have other regulations concerning the operation of SMEs, namely Official Letter No. 681/CP-KTN on June, 26th 1998 by the Government Office on strategies orientation and SMEs development policies, Decree No. 90/2001/ND-CP on November, 23rd 2001 on support SMEs. These regulations only emphasize on the most basic matters and have yet compete or consistent. Also, the management level is still not flexible in apply ing those regulations, leading to redundancy in procedures and confusion in dealing with the legal system. Discrimination between big corporations and SMEs is another factor with negative impact on the business environment. Although the policies of the government clearly state that all business sectors needed to be equally treated, there still exists discrimination from some government officials in bank loans, access to preferential policies, land use, information access on exporting market, staff training Moreover, the social environment also has trong impact on business operation of highly sensitive firms like start-ups and SMEs. That is because there still exists some obsolete prejudice on these firms such as counterfeited goods, smuggling or commercial fraud. Support start-up firms in terms of financing It is safe to say that funds is the most severe problem for entrepreneurs when starting their own business. There are already countless enterprises each year failing to come alive or going bankrupt since the very beginning of operation due to lack of capital. Therefore, support from the government is highly essential for SMEs, especially start-up firms. These support can be implemented by a number of ways, suggested as below: Develop finance investment firms and establish credit guarantee funds It is clear that we soon need to establish credit guarantee funds for SMEs and start-up firms, for them to access to finance when they do not have enough resources for mortgage, pledge, or lend from banks and credit unions as raised in Decree 90/2001. The credit guarantee funds like KCGF, KOTEC and SMBC in Korea are able to guarantee start-up firms for short-term, mid-term and long-term loans for the feasible ideas and business projects. At the same time, they share risks with credit institutions in case of default risk from SMEs The lessons from Korea and other developed countries like America, Taiwan show that credit guarantee is considered one of the most effective measures to improve the capital of an enterprise, and Vietnamese enterprises are no exception Loosen the lending requirements Our government should adjust policies on mortgages for loans. Currently, most start-up firms find it hard to access to commercial bank funds because they own no or little assets. In addition, the requirements on mortgage is too high to meet. One example is most commercial banks use land use right as mortgage, which is quite impossible to afford for these types of firms. The recommendation for this is, in some specific cases, banks can assess the potential and value of feasible business projects to minimize their risks. Banks in Vietnam can learn from KOTEC in Korea, where they have a set of technical and commercial criteria to rate a firm before providing funds. Firms guaranteed by KOTEC also have higher chance to survive in the long run, which means their assessment is highly effective and we can learn a lot from their system. Besides, venture investment funds should be encouraged to grow, especially foreign investment funds. Expand forms of financial lease Expanding forms of financial lease is a useful solution for firms to overcome their own problems on financing for technology. Financial lease is an intermediate form of long-term credit, where those demanding funds do not receive cash to purchase equipment and asset but directly receive the demanded asset. The leasee periodically pays fee and buys the whole asset after a specific amount of time. However, in Vietnam, both the government and enterprises have yet aware the strength of this form, so it has not been fully developed. According to the studies â€Å"SMEs development process† of the Development Loan Program for SMEs in Vietnam, there currently exists many obstacles in developing financial lease: (i) lack of legal procedures, regulations and policies for this matter. The funds of the leasors are also very limited due to the strict regulations of the State Bank of Vietnam, (ii) the enterprises are still short in full knowledge and awareness of this practice’s adva ntages, (iii) lack of complete agreement between the leasors and the government as the base to develop policies on this. Towards the current state as mentioned above, the government needs to look into and adjust the regulations to ensure a competitive yet favorable business environment for the financial lease corporations, which can solve the financing problem for SMEs. Develop other financial services Commercialize the debt market: Currently, corporations have increasingly appropriate funds of others, making lots of SMEs fall into the â€Å"artificial funds shortage† situation. Sometimes, commercial banks have to hold loans but cannot receive principal before maturity date. Commercializing debts will help SMEs escape from the pressure of variable capital, for instance, through discounting financial instruments like negotiable certificate of deposit. In many other countries in the world, this practice is quite popular but it is fairly new for enterprises in Vietnam Boost the performance of financial institutions: we can do this by increasing the equity of credit institutions, creating capacity to improve performance and adapt to risks. Simultaneously, they can completely handle overdue debts by developing mortgage handling enterprises and buying back mortgages, collateral from commercial banks. This research applies a remote-monitored system towards the financial markets on the basis of international standards. Encourage the growth of financial consulting services, accounting, auditing and related services for financial problems of SMEs Preferential tax, charges policy The government can also establish more preferential policies for SMEs on credit, tax in a simple way. We should also avoid excessive yet inefficient tax policies, which leads to difficulties in manage and implement those policies. Recommendations for start-up firms/SMEs Build their own finance capabilities Besides the government policies and support on finance, start-up firms also need to take advantage of this opportunity or else it will go to waste. Currently, the roles of SMEs and start-up firms are gradually realized by the government and the society. The social development strategy nowadays also pays special attention to SMEs. Therefore, those firms need to take good advantage of these chances. In the meantime, start-up firms can have easy access to the credit funds from banks, financial institutions, financial lease firms The enterprises can also increase their funds by seizing investment opportunities from other sources. Through the foundation of feasible and persuasive business plans, firms can entirely raise funds from venture investment funds or crowd-funding. By cooperating with other firms, SMEs can enhance their manufacturing process by solving the obstacles together with each other, best exploiting their capacity and cooperation, developing the domestic and foreign business network, as well as jointly combating the competitive pressure from big corporations. Raise their management capacity SMEs need to have their own business strategies to enhance the human resources and management capacity in a global economic context. One of the weaknesses of SMEs in Vietnam is the human resources problems. They lack properly trained labor to meet the requirements of technology application, foreign language, business knowledge, Internet access†¦ The business management system is pretty obsolete and incomprehensive. Therefore, business owner and the management level need to apply modern management system, focusing on knowledge on market, the legal system, technology application and building their own business culture and ethics: honest about the products, fair competition, compliance with the law, responsible for the customers and the society, and build trust with the customers. For the labor force, we need to have scheme to train them properly with the most update techniques and information possible. The enterprises also need plans to attract highly-trained employees by their salary, bonus, allowance, promotion†¦ policies. Besides, strong business culture is also necessary to establish and develop. Actively access technology Firms on their own should actively seek new opportunities to get access to new technology and equipment. Then, they can flexibly apply technology transfer to create more added value. Also, focusing on developing technology infrastructure to apply e-commerce business is popular in the recent years. On material, one way to exploit this is to make full use of the global sources of material, another is to consider using existing materials, which means diversity and stability sources of materials for manufacturing. On technology, SMEs need to go in full swing and use their existing dynamic spirit to grasp and seize rare opportunities on technology. One huge obstacle for enterprises in this matter is limited capital, however, as mentioned, SMEs have many ways out. They can use the government support, cooperate with other larger firms, transfer from foreign enterprises, participate in science fairs†¦ In specific, SMEs need to construct and develop their own information infrastructure to push information technology application and apply e-commerce. Investing in these is proved to cost reasonably but bring high efficiency. It can saves energy and cost for an enterprise, which lifts the management efficiency but at the same time, it can quickly grasp and exploit the market’s information, helping the business activities more professional and flexible. Focus on market research, export promotion, brand and image building Focusing in market research Start-up firms and SMEs need to vigorously improve on market research after Vietnam has joined WTO. Only thorough and detailed market research brings a well-rounded business plan. In the context where resources and capabilities is limited, they need to cooperate with the authority and government in pushing e-commerce, searching for market information through the Internet, as well as joining in knowledge sharing in different prestigious association. Enhance brand investment Almost SMEs in Vietnam are not fully aware of the importance of brand building and protection. In the next few year, when we penetrate more into the global economy, this can be a huge risks as there will certainly be many more conflict and disputes on brand. Therefore, SMEs need to have their own strategy for brand right now. Those enterprises need to have well-rounded knowledge about brand. Training for staff to aware of the importance of brand and reputation is vital. In the global context as it is today, when the brand of SMEs in Vietnam have yet owned a strong position in the domestic and international market, support from the government and other large corporations in brand building in of great importance. Ignoring this stage in the business plan means they actively put themselves in difficult situation later. Their competitors may use this to destroy the company. Actively apply international standards in business activities As analyzed, one of the biggest challenges for SMEs in Vietnam to penetrate into the international market is the international trade standards. Every countries and trade organizations in the world have their own set of regulations concerning the products’ standards. During the integration process, it is compulsory that start-up firms and SMEs in Vietnam should compel with these regulations. The lessons from Korea shows that, applying international standards in manufacturing and trading helps raise the export volume of SMEs in this countries. Therefore, it is essential for enterprises to actively apply these standards in their business activities. Depending on the requirements, the selected countries’ rules and the firm’s capacity, the firms can freely choose the standards like TQM, ISO 9000, HACCP, GMP, ISO 14000, SA 8000†¦ Besides, we need to understand and adapt to standards in hygiene, safety, rules on packing and marking†¦ These international standards can be an obstacle for SMEs in Vietnam in the short run but they will definitely bring practical value for them, helping them to strongly thrive in this most stable way.

Humorous Wedding Speech by the Groom :: Wedding Toasts Roasts Speeches

Humorous Wedding Speech by the Groom The groom has used the wedding date as a source for funny lines, comparing their marriage with celebrity couples for comic effect. While preparing this speech I thought it would be interesting to see if any celebrity couples had been married on the same day as us. Paul Simon and Carrie Fisher wed in 1983...and split up after 9 months. Oh dear. Also, Madonna married Sean Penn on this day in 1985; and we all know the outcome of that. Unlike the latter, while Lisa is "Like A Virgin," I plan to "Cherish" her forever and I am not afraid to 'Justify My Love." There's always the "Hanky Panky" to look forward to. There are children present, so the less said about "Get into the Groove" the better. We have been together for nearly ten years, and it's been the happiest decade of my life. We first got together at a Halloween party, where she was dressed up as a witch's cat and I was dressed as a crazy axe murderer, I was instantly smitten with that kitten I can tell you. She stuck with me through my scabby student days, and she's even managed to suffer living with me for five years. At home, we’re the perfect team - I mess up the house and she tidies. I affectionately call her my Mrs. Mop. In 1998 I popped the question, so like Elvis's toilet door Twenty-five years ago, we've been engaged for a long time. Today she's made me the happiest man on earth, she's my bride and joy. And I think you'll all agree she's done a superb job organizing today almost single-handed. (Toast) Please join me and raise a glass to my beautiful bride. To the bride! We'd like to thank the bridesmaids for all their help in the preparation for today, and I think you'll agree they look fantastic. We have some gifts for you. (Hand gifts to them and toasts) To the bridesmaids. We’d like to say a big thank you to our moms for all their love and support over the years. You've both been really good to us. So please join us in a toast. To the moms. Big thanks to the best man, my dear brother. I’m not sure I should give you the gift now with your speech pending. This man had the easiest job on the day, or perhaps he just made it look easy.

Leadership Skills Essay

Introduction Leaders have difficult getting relevant feedback, especially when operating in powerful positions in an organization. Often times leaders need feedback more than others do. If leaders do not receive feedback, they will not learn from their leadership experiences. Creating opportunities to get feedback is critical especially with regard to feedback from individuals working for them (Curphy, Ginnett, & Hughes, 2009). When it comes to open door policy leaders should not think they have open request for feedback. The oversight frequently made by leaders is assuming that other recognize them open to discussing things just because they are open to discussing things (Curphy, Ginnett, & Hughes, 2009). Leadership skills can be look at as competencies that has learned and developed for an effective leadership. From the basis of people skills, a leader skill approach is as an extension to leadership traits, given that traits focuses on the character risks of a leader and to large extent (Curphy , Ginnett, & Hughes, 2009). Leader’s obligations are not determined on observations of what leaders do, but on what goals they anticipated to achieve. Researchers have focused on the personality, physical traits, and behaviors of the leader. Some have studied the relationships between leaders and followers. Others have studied how aspects of the situation affect the ways leaders act. Latter viewpoint suggest there is no such thing as leadership; there have been arguments that organizational successes and failures frequently get falsely attributed to the leader, nevertheless, situation seem to have a much better impact on how the organization functions than does any individual, as well as the leader (Curphy, Ginnett, & Hughes, 2009). The purpose of this paper is to explain how leadership skills are necessary for an individual to be an effective leader. In addition, discuss how these leadership skills will lead to technical competence by a leader. Evaluate the skills against my own skills. Develop a plan detailing how I will acquire and or strengthen these skills as I progress in my future. Leadership Curphy, Ginnett, & Hughes defined leadership as â€Å"the process of influencing an organized group toward accomplishing its goals† (2009, p. 6). Curphy, Ginnett, & Hughes say a way to understand the complexities of leadership is to see some other ways leadership is define: †¢Directing and coordinating the work of group members †¢An interpersonal relation in which others comply because they want to, not because they have to. †¢The process of influencing an organized group toward accomplishing its goals. Some definitions hold opposing views in numerous ways, and have resulted in various researches explore very different aspects of leadership. Researchers who define leadership as influencing an organized group toward accomplishing its goals would examine how Parrado managed to convince the group to stage and support the final expedition Curphy, Ginnett, & Hughes (2009, p.4-5). Concepts of Leadership Process leadership is carry out by applying leader’s knowledge and skills. However, leader traits can influence others actions. This is call trait leadership, leaders were believe to born rather than made (Jago, 1982). Three Leadership Skills To be a sufficient leader countless qualities and skills are need. Nevertheless, there are nine essential traits or abilities reveal leaders from followers and they include someone who has influential, prioritized, integrative, a creator positive change, a problem solver, able to maintain good attitude, able to work with people, a visioning person, and be self-disciplined. I will only talk about three of the nine (Gupta, 2009). First, influence is important because in order to obtain followers you have to have the influence ability. Effective leaders have to understand what type of leader they are. According to the writer, there are five levels of leadership. Level one uses their title or position to lead. This level is the slightest effective because people follow you because they have to. Level two gets people to work for them that are not required to do so (Gupta, 2009). This level is lead by interrelationships in which each person or thing depends on or is affected by the others and at this level people will follow because they want to. Level three makes results and transform take place. At this level, individuals follow you based on what you have done for the organization. Level four empowers and motivates others as well  as themselves. At this level, individuals follow leaders based on what you have done for them. Level five is where leaders have proven themselves a true leader over the years. At this level, individuals follow because of who you are and what you represent. When influencing others its good to know where you stand in leadership the higher up the ladder you go, the longer it takes to go to the next level (Gupta, 2009). Second, integrity is an important trait in order to run a business leader to be complete and unified and employees should on the same page. Integrity is who leaders are and who leaders are determines what they do. When leaders can be depend on by others, with confidence and trust they will have in their vision, and this allows them to influence their lives. Integrity secret is growing and moving. Leaders need to exhibit: honesty, fulfillment, vision, and inspiration to get them to believe and trust in the decisions they make for the business (Gupta, 2009). Third, problem solving is important in a leader because problems are on going. Leaders’ responsibility is to correct the problem as effectively as possible. Perspective is something leaders have to change however, not their problem. Leaders need to understand they cannot choose their problem but their attitude towards solving the can be change. Leaders need to recognize a problem before it gets bigger and keep an eye out for signs of any up coming ordeal and fix it. For a problem to be, fix a leader need to define the problem. After the leader recognize the problem the best possible out come should be lastly, form principles and polices to prevent the problem form requiring (Gupta, 2009). As I progress in my future, I would strengthen these skills with the Hogan and Warrenfelz domain model watch allows me to see connections between seemingly different organizational competency models and make predictions about how easy or complex it will be to change a mixture of leadership behaviors and skills. The Hogan and Warrenfelz model will also point out what behaviors I will need to exhibit in order to build my team as well as get results through others Curphy, Ginnett, & Hughes (2009, p. 273-274). In closing, leadership qualities include several of the diverse skills and the qualities. Leadership skills are necessary for any interested individuals to succeed. Leadership skills take time, energy and commitment. Leaders become the best leader they can become, all the traits and skills need to be practice and applied to ones life. Leaders are needed without there dreams of a better  world and drive to succeed. Being influential, a problem solver and integrative will bring out the leader within a person allow them to become successful, and allow them to touch others lives. Reference Gupta, A. (2009, March 2). Leadership Skills [Part2 Leadership Skills Assignment]. Retrieved July 18, 2011, from http://www.practical-management.com Hughes, R.L. & Ginnett, R.C. & Curphy, G.J. (2009). Leadership: Enhancing the lessons of experience (6th ed.). New York, NY: McGraw-Hill Irwin. Jago, A. G. (1982). Leadership: Perspectives in Theory and Research. Management Science, 28(3), 315-336. Kouzes, J. M., & Posner, B. Z. (1987). The Leadership Challenge. San Francisco: Jossey-Bass.

Observing and describing verbal and nonverbal...

Bianca Wright Fontley Corrodus Sociology September 11, 2014 Observing and describing verbal and nonverbal communication Communication, the act or process of using words, sounds signs or behaviors to express or exchange information or to express your ideas, thoughts, feelings, etc., to someone else. (Merriam Webster dictionary). There are four forms of communication; verbal, non-verbal, written and visual. Verbal communication, includes sounds, words, language, and speaking. The following is a great example of verbal communication. While eating dinner with my family at a Japanese steakhouse I was able to hear and observe a couples conversation taken place from the booth behind†¦show more content†¦While this conversation was taken place I also noticed facial expressions, which is a gesture executed by using facial muscles. Below is an example of how both gestures and facial expression are both used during a nonverbal conversation. Previously while at the library, I observed two gentlemen having a conversation, although I could hear the conversation I was unable to see it, while observing I noticed one gentlemen handing the other a dollar bill which made the gentlemen smile. From my observation I assumed that the gentlemen who received the money may have asked the gentlemen for a dollar possibly to get a cold refreshment, Being that he just got off of his bicycle in nearly 100 degree weather. From my observation I was able to conclude the guys were friends or possibly acquaintances. I was able to form a thesis, the guy smiled because his friend gave him a dollar bill. In conclusion, communication helps us better understand an individual or situation. Communication enables us to resolve differences, build friendships and trust. Could you imagine the world without communication? 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