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Thursday, April 10, 2014

BM0027-INSURANCE AND RISK MANAGEMENT


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ASSIGNMENT

WINTER
2013
PROGRAM
B.Com IS
SEMESTER
VI
SUBJECT CODE & NAME
BM0027-INSURANCE AND RISK MANAGEMENT
CREDIT
4
MAX. MARKS
60



Note: Answer all questions. Kindly note that answers for 10 marks questions should be approximately of 400 words. Eachquestion is followed by evaluation scheme.



Q. 1. What do you understand by Risk? Describe the relationship between uncertainty and risk. What do you understand by peril as well as hazard?

Answer: Risk implies future uncertainty about deviation from expected earnings or expected outcome. Risk measures the uncertainty that an investor is willing to take to realize a gain from an investment.
Risks are of different types and originate from different situations. We have liquidity risk, sovereign risk, insurance risk, business risk, default risk, etc. Various risks


Q.2 How you can classify risk? Describe the different types of risk.

Answer:

In the Risk Classification section of the Risk Structure work center, you can use the following features:

·         Create and delete central risks and


Q.3what do you understand by risk management? Describe different aspects of risk management. Describe different characteristics of risk management.

Answer:Risk managementisthe process of identification, analysis and either acceptance or mitigation of uncertainty in investment decision-making. Essentially, risk management occurs anytime an investor or fund manager analyzes and attempts to quantify the potential for losses in an investment and then takes the appropriate action (or inaction) given their investment objectives and risk tolerance. Inadequate risk management can result in severe consequences for companies as well as individuals. For example, the recession that began in 2008 was largely caused by the loose credit risk management of financial firms.



Q.4 Describe the risk management process.

Answer:The process of identification, analysis and either acceptance or mitigation of uncertainty in investment decision-making. Essentially, risk management occurs anytime an investor or fund manager analyzes and attempts to quantify the potential for losses in an investment and then takes the appropriate action (or inaction) given their investment objectives and risk tolerance. Inadequate risk management can result in severe consequences for companies as well as individuals. For example, the recession that began in 2008 was largely caused by the loose credit risk management of financial firms.





Q.5 Describe the tools for risk management.

Answer:Risk management is a non-intuitive field of study, where the most simple of models consist of a probability multiplied by an impact. Understanding individual risks may be difficult as multiple probabilities can contribute to Risk total probability. Likewise, impacts may be measured in "units" of cost, time, events (for example, a catastrophe), market states, reputation, and other dimensions. This is further complicated by there being no straightforward




Q.6what do you understand by loss control? What are the potential benefits of loss control? Describe the potential costs of loss control.

Answer:loss control:-
A risk management technique that seeks to reduce the possibility that a loss will occur and/or reduce the severity of those that do occur. Also known as risk control or safety. Driver training programs are loss control programs that seek to reduce the likelihood of accidents occurring. Sprinkler systems are loss control devices that reduce the severity of loss by fire.

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BM0026-CUSTOMER RELATIONSHIP MANAGEMENT


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Winter 2013


BCOMIS – VI SEMESTER

ASSIGNMENTS

Subject code – BM0026
Book ID-B0526
(4 credits)
Marks 60
SUBJECT NAME- CUSTOMER RELATIONSHIP MANAGEMENT


Note: Each Question carries 10 marks.

1. Define customer relationship management & what are the different factors that influence buying behavior.

Ans :  Customer relationship management :

Customer relationship management (CRM) is a model for managing a company’s interactions with current and future customers. It involves using technology to organize, automate, and synchronize sales, marketing, customer service, and technical support. Well-designed CRM includes the following characteristics:

  • Relationship management is a customer-oriented feature with service response based on customer input, one-to-one solutions to



2. Discuss consumer purchase decision process giving one real time example .

Ans :  Consumer purchase decision process :

The stages in this process  are:

  • Problem/Need recognition
  • Information search
  • Evaluation of alternatives



3. State the importance of customer relationship building. State the different levels of relationship marketing & tools used to develop strong customer bondage.

Ans : Importance of customer relationship building :

Customer relations means not only giving the right amount of change back and saying thank you, but it also means exchanging damaged products, giving discounts if necessary and making refunds to stay the day—all with a sincere smile. It is a blanket statement that this writer does not believe. That is the concept “the customer is always right.” A better phrase should be: the customer should always be treated right!




4. What do you mean by customer interaction management? Discuss the routes & factors influencing CIM

Ans : Customer interaction management :

Customer Interaction Management (CIM) refers to a type of Enterprise Software Application which is responsible for managing the interaction between an organisation and its customers. Normally, a CIM application will be deployed in a contact


.


 5. Give the importance customer retentation and different stages of retentation in customer life
cycle.

Ans : Importance customer retentation :

Finding new customers is great, but keeping old ones and turning those new customers into loyal buyers is even more important. Customer retention is the name of the game and the better yours is, the more profitable your brand will be. How so? Check



6. What do you mean by a loyal customer & discuss loyal customer ladder.

Ans : Loyal customer :

Loyal customers is the one who :

Provide more business: They return to buy again and choose to buy more;

Persuade others to use your products or services:
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BM0025- Visual Basic


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Winter 2013


ASSIGNMENT

Course: B ComIS – VI SEMESTER

Subject Code: BM 0025

(4 credits)

Marks 60

SUBJECT: Visual Basic

Note: Each Question carries 10 marks


Q.1. Write in detail the various tools available in Visual Basic Toolbox.

Ans :  Visual basic toolbox is consist of following tools :

1. Pointer tool :

This tool is used to select the object. Whenever any tool is selected then mouse pointer changes to a ‘+’sign. By using this tool you can draw an object on the form. To get the mouse pointer back, click on the Pointer tool. It has no properties. Pointer tool is also the default tool of the toolbox.

2. Label tool :

This tool is used to display the text to the form. It is generally used to give title in the form, an output after some message for the user.




Q 2. What are the various steps in creating a real life user interface?

Ans :  Various steps in creating a real life user interface :

1. On the File menu, click the New Project command.
You start a new programming project by clicking the New Project command on the File menu.
Click No if you are asked whether you want to save any changes to the StepUp program from Lesson 1. This removes the StepUp program from memory.





Q. 3. What is meant by Module? Explain the three kinds of modules.

Ans : Module : 

A module is basically where you store programming code of some kind. It might be code that operates behind a form, or a module which all of your application uses, but either way a module is where code is stored. Modules are collection of code and data that function something like objects in objects oriented programming, but without defining OOP characteristics like inheritance, polymorphism etc. The concept behind modules is to enclose procedures and data in a way that hides them from the rest of the program.



Q.4. Explain in detail Menu Editor, Menu Controls and the usage of Dialog Boxes.

Ans :  Menu editor :

The menu editor in Visual Basic allows the user to construct menu bars such as the ones in Microsoft Word, Excel and other Windows programs. It provides a quick and simple way to create menu items and set various properties for each one, such as the Help Context ID. The menu editor also allows the user to decide whether or not it is visible or enabled among others. Read on to learn how to use the menu editor in Visual Basic.

Q.5. Describe the procedure of creating database Visual Data Manager. How are they controlled?

Ans :  In Visual Basic 6, you can create and manage databases using the built-in Visual Data Manager. Visual Data Manager can be used to create tables, add new data as well as edit data. Besides that, it can be used to modify table structure.



Q.6. Explain what is an ActiveX component and control?

Ans : Active x control :

ActiveX controls are software modules based on Microsoft's Component Object Model (COM) architecture. They add functionality to software applications by seamlessly incorporating pre-made modules with the basic software package. Modules can be interchanged but still appear as parts of the original software.

On the Internet, ActiveX controls can be

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BM0024-SMALL BUSINESS MANAGEMENT AND ENTREPRENEURSHIP DEVELOPMENT


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ASSIGNMENT

DRIVE
WINTER 2014
PROGRAM
Bachelor of Commerce in Information System
SUBJECT CODE & NAME
BM0024-SMALL BUSINESS MANAGEMENT AND ENTREPRENEURSHIP DEVELOPMENT
SEMESTER
5
CREDITS
4
MARKS
60


Answer all the questions. Each question carries 10 Marks.

1. Write a Note on Entrepreneurial Functions
Answer : An entrepreneur performs a series of functions necessary right from the genesis of an idea up to the establishment and effective operation of an enterprise. He carries out the whole set of activities of the business for its success. He recognises the commercial potential of a product or a service, formulates operating policies for production, product design, marketing and organisational structure. He is thus a nucleus of high growth of the enterprise.
According some economists, the functions of an



2. Discuss Different Phases in Entrepreneurial Development Program
Answer : EDP is primarily designed to induce motivation and competence among young prospective entrepreneurs. So the cause and curriculum of Entrepreneurship Development programme will be so designed that it will induce motivation and competency. The course curriculum of EDP should be designed to cover the following aspects:
·         It will give general introduction to entrepreneurship.




3. What is Project, Explain the 3 Stages of Project Life Cycle
Answer : The Project Life Cycle refers to a logical sequence of activities to accomplish the project’s goals or objectives. Regardless of scope or complexity, any project goes through a series of stages during its life. There is first an Initiation or Birth phase, in which the outputs and critical success factors are defined, followed by a Planning phase, characterized by breaking down the project into smaller parts/tasks, an Execution phase, in which the project plan is executed, and lastly a Closure or Exit phase, that marks the completion of the project.




4. Explain the Internal and External Sources of Finance for an Enterprise

Answer : All businesses need money. Where the money comes from is known as 'sources of finance'. Now there are two different types of sources of finance: internal (finance from inside the business) and external (finance from outside the business). New businesses starting up need money to invest in long-term assets such as buildings and equipment. They also need cash to purchase materials, pay wages, and to pay the day-today- bills such as water and electricity. In-experienced entrepreneurs (or social entrepreneurs) often underestimate the



5. Write a Note on MODVAT and Small Scale Industries
Answer : Modvat stands for "Modified Value Added Tax". It is a scheme for allowing relief to final manufacturers on the excise duty borne by their suppliers in respect of goods manufactured by them. eg ABC Ltd is a manufacturer and it purchases certain components from PQR Ltd for use in manufacture. POR Ltd would have paid excise duty on components manufactured by it and it would have recovered that excise duty in its sales price from ABC Ltd. Now, ABC Ltd has to pay excise duty on toys manufactured by it as well as bear the excise duty

6. Discuss New Small Enterprise Policy 1991

Answer : New Small Enterprise Policy, 1991.:-

The Industrial Policy announced on July 24, 1991 heralded the economic reforms in India and sought to drastically alter the industrial scenario in our country. The most visible sign of the countries  economic crisis in early 1991 was:

• Extremely low foreign exchange reserves of Rs. 2400 crore (just enough to buy from abroad only three weeks requirements.)
• Inflation was as high as 13.5%
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BM0023 - CAPITAL AND MONEY MARKET


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ASSIGNMENT

DRIVE
WINTER 2013
PROGRAM
Bachelor of Commerce in Information System
SUBJECT CODE & NAME
BM0023 - CAPITAL AND MONEY MARKET
SEMESTER
5
CREDITS
4
MARKS
60


Answer all the questions. Each question carries 10 Marks.

1. Explain the term Capital market and discuss the different methods used for raising capital.
Answer : Capital markets are the markets where securities such as shares and bonds are issued to raise medium to long-term financing, and where the securities are traded. The securities might be issued by a company which could issue shares or bonds to raise money. Bonds could also be issued by other entitiies in need of long-term cash, such as regional or national governments. The securities are issued in what is known as the primary market and traded in the secondary market. In the primary market a company would have face to face meetings to place its securities with investors. A company might work with an investment bank who would act as an intermediary and underwrite the offering.


2. Define the term “Stock Exchange”. Briefly discuss the causes of price fluctuations in Equity markets.
Answer : A stock exchange is a form of exchange which provides services for stock brokers and traders to trade stocks, bonds, and other securities. Stock exchanges also provide facilities for issue and redemption of securities and other financial instruments, and capital events including the payment of income and dividends. Securities traded on a stock exchange include stock issued by companies, unit trusts, derivatives, pooled investment products and bonds. Stock exchanges often function as "continuous auction" markets, with



3. What do you mean by Listing? Discuss the advantages, limitations, criteria and requirements of listing.
Answer : Listing means admission of securities to dealings on a recognised stock exchange. The securities may be of any public limited company, Central or State Government, quasi governmental and other financial institutions/corporations, municipalities, etc.

The objectives of listing are mainly to : 


4. Write short notes on credit rate agencies giving examples. Describe the factors that are to be considered by these agencies while rating the securities.
Answer : A CRISIL rating reflects CRISIL's current opinion on the relative likelihood of timely payment of interest and principal on the rated obligation. It is an unbiased, objective, and independent opinion as to the issuer's capacity to meet its financial obligations.
So far, CRISIL has rated 30,000 debt instruments, covering the entire debt market.
The debt obligations rated by CRISIL include:



5. Write a short notes on
 (a) Forward contract
Answer : A forward contract is an agreement between two parties to buy or sell an asset (which can be of any kind) at a pre-agreed future point in time at a pre-agreed price. A futures contract is a standardized contract, traded on a futures exchange, to



(b) Hedging
Answer : Hedging means reducing or controlling risk. This is done by taking a position in the futures market that is opposite to the one in the physical market with the objective of reducing or limiting risks associated with price changes.


(c) Arbitrage
Answer : In economics and finance, arbitrage is the practice of taking advantage of a price difference between two or more markets: striking a combination of matching deals that capitalize upon the imbalance, the profit being the difference between the market prices. When used by academics, an arbitrage is a transaction that involves no negative cash flow at any probabilistic or temporal state and a positive cash flow in at least one state; in simple terms, it is the possibility of a risk-free profit after transaction costs. For instance, an


d)Option Contracts
Answer : An options contract is an agreement between a buyer and seller that gives the purchaser of the option the right to buy or sell a particular asset at a later date at an agreed upon price.  Options contracts are often used in securities, commodities, and real estate transactions.

How it works/Example:

There are several types of



6. Briefly discuss the financial markets in India. Distinguish between capital & Money markets.
Answer : What is India Financial Market? What does the India Financial market comprise of? It talks about the primary market, FDIs, alternative investment options, banking and insurance and the pension sectors, asset management segment as well. With all these elements in the India Financial market, it happens to be one of the oldest across the globe and is definitely the fastest growing and best among all the financial markets of the em
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BM0022- FINANCIAL SERVICES


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ASSIGNMENT

DRIVE
WINTER 2013
PROGRAM
Bachelor of Commerce in Information System
SUBJECT CODE & NAME
BM0022- FINANCIAL SERVICES
SEMESTER
5
BK ID
B0431
CREDITS
4
MARKS
60


Answer all the questions. Each question carries 10 Marks.


1. “Financial firms are a specialized part of economic system – Discuss

Answer : In financial economics, a financial institution is an institution that provides financial services for its clients or members. Probably the greatest important financial service provided by financial institutions is acting as financial intermediaries. Most financial institutions are regulated by the government.
Broadly speaking, there are three major types of financial institutions:

Depositary Institutions : Deposit-taking institutions that accept and manage deposits and make loans, including banks, building societies,


2. What is leasing? Discuss the differences between financial lease & operating leasing

Answer : Leasing is a process by which a firm can obtain the use of a certain fixed assets for which it must pay a series of contractual, periodic, tax deductible payments.
The lessee is the receiver of the services or the assets under the lease contract and the lessor is the owner of the assets. The relationship between the tenant and the landlord is called a tenancy, and can be for a fixed or an indefinite period of time (called the term of the lease). The consideration for the lease is called rent. A gross lease is


3. Write short notes on following

a. Industrial finance corporation of India (IFCI)

Answer : IFCI Ltd. was set up in 1948 as Industrial Finance Corporation of India, a Statutory Corporation to provide medium and long term finance to industry. After repeal of IFCI Act in 1993, IFCI became a Public Limited Company registered under the Companies Act, 1956. IFCI is now a Government controlled company

b. Industrial credit & Investment Corporation of India (ICICI)
Answer : The Industrial Credit and Investment Corporation of India was registered as a private limited company in 1955. It was set up as a private sector development bank to assist and promote private industrial concerns in the country.
Broad objectives of the ICICI are:
(a) to assist in the creation, expansion



c. IDBI
Answer : IDBI Bank Limited (IDBI) is an Indian financial service company headquartered in Mumbai, India. RBI has categorised IDBI as an "other public sector bank". It was established in 1964 by an Act of Parliament to provide credit and other facilities for the development of the fledgling Indian industry.



d. SIDBI
Answer : Small Industries Development Bank of India is an non-independent financial institution aimed to aid the growth and development of micro, small and medium-scale enterprises (MSME) in India. Set up on April 2, 1990 through an act of parliament, it was incorporated initially as a wholly owned subsidiary of Industrial





4. Give the importance & principles of insurance sector in India
Answer : The main objective of every insurance contract is to give financial security and protection to the insured from any future uncertainties. Insured must never ever try to misuse this safe financial cover.
Seeking profit opportunities by reporting false occurrences violates the terms and conditions of an insurance contract. This breaks trust, results in breaching of a contract and invites legal penalties.



5. Give the importance of hire purchase & lease financing compare & distinguish both
Answer : Hire purchase (HP) or leasing is a type of asset finance that allow firms or individuals to possess and control an asset during an agreed term, while paying rent or instalments covering depreciation of the asset, and interest to cover capital cost.

Assets are defined as anything of monetary value that is owned by a firm or an individual. Assets listed on a firm’s balance sheet can include tangible items such as


6. Give a shout notes on various agencies of housing finance existing in India.
Answer : Housing finance is a relatively new concept in India comparing to other financial services that are widely available in the country since a long year back. However, the speedy development in housing and various housing activities have understandably led to the growth of Indian housing finance market. As a result, a number of players have barged into the market. Here, find the list of top 10 housing finance companies in India.

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