PSUSA French Pastry Frederic Cassel Marketing in The Saudi Market Presentation

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Project: Group of 2: Please consult your instructor before choosing the company.

 

Choose an existing company abroad ( not in Saudi) . Based on the concepts you have learned in the course, provide details on how are you going to have a branch in Saudi. Use relevant theories/pictures to accommodate your presentation.

 

 

  1. Written Report Rubric( case study) (15%)

 

DIMENSIONS TRAITS 1 2 3
ORGANISATION Introduction Not clearly stated

about the topic

 

 Presents the

topic but does

not engage the

reader

 Clearly presents

the topic in

informative

manner
Conclusion Lacks an

identifiable

conclusion

 

 Summarise and

repeat what has

been said

 

 Summarise and

offer excellent

overview of the

topic
Logical Flow No logical flow,

confusing,

choppy

 Sensible flow but

inconsistent

 

 Logical and

consistent flow

 
Layout Poor labelling of

sections, sub-

topics, tables

and figures

 Improper and

inconsistent

labelling

 

 Sections, sub-

topics, tables and

figures are

clearly labelled
Sentencing Poor sentence

connection, long

sentences

 Acceptable

sentencing but

not clear enough

 Excellent

connection with

clear sentences
IDEAS Coverage of ideas Missing important parts of idea Adequate information about ideas Excellent coverage of ideas
Evidence of

support

 Missing or

irrelevant

supporting ideas

 Relevant support

of ideas

 

 Well supported

with relevant

details
Provision of

examples

 

 No example

given

 

 Adequate

examples with

no connection to the ideas

 Relevant

examples which

connect to the

ideas
Presentation

of argument

 

 Repetitive or lack

of clear point

 Satisfactory

argument

 Excellent and

original argument
REFERENCE No reference

 

 Available but

inadequate, no

proper

referencing

 Comprehensive

compilation of

reference

 

 

 

 
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FIN360: Capital Investment and Financing

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FIN360- PROJECT SEM. 192
1
FIN360: Capital Investment and Financing
Semester 192, 2019/20
Group Project: (10%)
Due date: Week 14
The purpose of this project is to enhance student’s in-depth understanding of cost of capital
topic and also measures the related learning outcomes for this course.
Domain Course Learning Outcomes Measurements:
Skills Estimate the individual cost components, and the weighted average cost of
capital.
Discuss the implication of the capital structure decisions, from the
fundamental and alternative viewpoints.
Competency Ability to communicate effectively through written work and oral
presentation.
Ability to collect and interpret data related to real estate market.
Students are required to carry out project on a group basis. The project consists of two main
sections – reviewing of articles and analysis of cost of capital of selected companies. Each
group should consist of 5 members and you should submit the report in week 14.
Instructions:
1. Section A: Review of Articles (5 marks)
You are required to select THREE journal articles which discussed the relationship of
determinants of cost of capital and its impacts on financial performance of companies.
Write in details of the followings:
a) Research objectives / research questions
b) Period of study and location
c) Variables involved in the studies
d) Hypothesis testing
e) Results and analysis
f) Conclusion, limitations and future studies.
Comment and conclude on what you have reviewed.
2. Section B: Cost of Capital Analysis (5 marks)
Select three listed companies in the same sector from Tadawul Saudi Arabia.
http://www.tadawul.com.sa/. (Note: You need to update the companies’ name in Google
sheet before starting the project, which I will share the link through Moodle).
– Provide a brief introduction of each company.
– Compute each component of cost of capital for current period and compute
WACC.
– Compute also capital structure weights on a book value basis and capital
structure weights on a market value basis.
– Comments on each company’s result and conclude your findings.
Format of your submission:
 Font size: 12, 1.5 spacing
 Font types: Times New Roman or Arial
 Number of pages: Not more than 10 pages. Please insert page numbers.
FIN360- PROJECT SEM. 192
2
 You may include screen shots for the information you gathered through online such as
Yahoo Finance, Tadawul and others.
 Submission: through Moodle.
Dr. Zaiton Ali

 
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Prince Sultan University in Saudi Arabia Whistleblower Case by Howard Wilkinson HW

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The assignment requirements attached below

 

Summarize your findings from the two whistle-blower cases (Howard Wilkinson (danske bank) research paper attached below & Daniel Ellsberg (Pentagon paper) ”do the research paper”) Highlight the similarities and differences between the two cases.

 

Submit your answers to the following questions. Support your ideas with examples from the whistle-blower cases you studied.

  1. What are the moral and ethical justifications of whistle-blowing?
  2. In your view, do the actions of whistle-blowers help or hurt the society? Explain.
  3. What would you have done if you had been in the positions of the whistle-blowers in the two cases that you studied? Why?
  4. Provide an example of how someone your age could expose and publicly raise concerns about misconduct or wrongdoing.

 

Word limit 1000 words 

Double space and use Times New Roman font 12. 

Marks will be deducted for spelling and grammar errors

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

The Famous Whistle-blower – Howard Wilkinson

Howard Wilkinson is a former worker at Danske who raised the alarm about illegal laundering of money in 2013 in the financial institution. News reports on the loss of $234 billion led to the realization of a whistleblower with a hidden identity. Mr. Wilkinson wished to remain unknown, but Estonia newspaper went on to reveal his identity (National Whistle-blower Center, 2020).   The whistleblower worked in the Danske financial institution from 2007 to 2014. During this time, Wilkinson had raised several whistles blower-reports regarding the illegal laundering of money, but no could listen to him. According to Wilmoth (2018), some other times, the alarm could go off when the basement area of the bank is on fire. And to make it worse, the financial regulatory bodies of Denmark never issued a timely response until nine years later. So, in September 2015, he acknowledged that some $235 billion had been laundered through the Danske accounts for only eight years.

Howard Wilkinson could report the suspicious financial issues to the Danske account manager and the head of compliance and later the institution’s branch manager to delineate on several financial problems in the bank. Later the compliance officer responded and promised Wilkinson that the whole issue was under scrutiny, only for the bank’s branch manager to call Wilkinson that the customer named Dormant Limited Liability Partnership Account had made a wrong filing criterion and the customer would have to refile again. It was at this moment that the whistleblower noticed some plausible behaviors based on the general environment of concerns at the bank (Gurstelle, 2019). If Howard Wilkinson had never revealed anything about money laundering, then it means the massive money laundering in the Danske scandal would never have unfolded, and the Estonia investigations would have taken place. Additionally, Estonia would not be strict on Anti-money laundering as it is today, and the country would never have also noticed about the tax evasion and tax avoidance cases taking place in the Danske bank accounts.

If Howard Wilkinson did nothing, the ethical implications would involve a lack of accountability to the adherence to the code of financial institutions in Estonia and a lack of honest and ethical conduct involving the ethical management of the conflict of interest between professional and personal relations in the Danske. Also, there would be no compliance with the existing government rules, regulations and regulations as well as lack of fair, understandable, full, timely and accurate of the fraud.

The whistleblowing led to a hostile environment to Howard Wilkinson from his employer. He experienced scheduling upsets and termination on his contract on false pretence. Other financial companies may be afraid to hire Howard Wilkinson for fear of blowing up any occurrence of misconduct in the company. It is possible that the whistleblower can be caught up with the punishment that accompanies the crime, and this means that he will face charges and an individual level. In many instances working as a whistleblower leads to violation of one’s contract or even a professional mandate. In this case, Howard Wilkinson may face extra penalties like civil litigations for violating the agreements and confidences.

The money-laundering scheme in Estonia was made public when Mr. Wilkinson confidentially raised concerns regarding illegal money laundering schemes, and news reports went viral with the hidden identity of the whistleblower concerning the loss of $235 billion. However, an Estonian newspaper revealed the identity of Howard Wilkinson. The selection of top whistleblower attorneys Khon, Kohn and Colapinto to defend his ground has also played a part in publicizing the problem.

By making the scheme of money laundering public to the whole world, Mr. Wilkinson has helped in the tightening of the Danish Anti-Money Laundering Act as it was noticed that there are financial firms that play loose on the laws. Carozza & Phillips (2020) note that the country is also Estonia investigetng other sums of money siphoned from the country and hidden from other banks through different means. It also led to the shutting down of Danske Bank for the lack of transparency, credibility and had a bad reputation in the country. Also, the European banking authority investing the Danish and Estonian regulators after suspecting malicious deals from the country and its financial regulatory bodies.

If I were Mr. Wilkinson, I would report all the suspicious activities as many times as possible, launch a private and confidential investigation, hold the information before going to the public and cross-checking the available evidence. Additionally, I would be reporting the problem to international authorities, hire top-notch lawyers in the whistleblowing industry and finally seeking for maximum protection from the authorities.

The reason for carrying out the above steps would be to ensure that I emphasize that there is money laundering by giving as many reports as possible. The only way to get evidence is a thorough investigation, and that could be my top priority before going public. As I have no security at the beginning of the case, I would not be too quick to go public about the problem. The reason for reporting to the international authorities is because the local government had failed to act promptly. My life would be at stake in such a case, and the only way I can live to the entirety of the case is by ensuring that I have adequate security. For proper argument and facts about the case as well as using the appropriate language and context, I would hire top-notch lawyers with robust experience in the whistleblowing industry to help me in arguing my case.

 

 

 

 

 

References

Carozza D. & Phillips D. (April 2020). The smoke detector. An interview with Danske Bank whistleblower Howard Wilkinson. Retrieved July 8, 2020, from https://www.fraud-magazine.com/cover-article.aspx?id=4295010144

Gurstelle G., L. (March 4, 2019). Massive Danske Bank Money Laundering Scandal Continues to Unfold.  Retrieved July 8, 2020, from https://www.moneylaunderingnews.com/2019/03/massive-danske-bank-money-laundering-scandal-continues-to-unfold/

National Whistle-blower Center (2020). Howard Wilkinson. Bank Fraud Whistle-blower. Retrieved July 8, 2020, from https://www.whistleblowers.org/members/howard-wilkinson/#:~:text=Bank%20Fraud%20Whistleblower-,Howard%20Wilkinson,whistleblower%20but%20not%20the%20identity.

Wilmoth M., J. (October 23, 2018). How the Danske Bank Money-Laundering Scheme Was Uncovered by a Whistle-blower. Retrieved July 8, 2020, from https://kkc.com/blog/how-the-danske-bank-money-laundering-scheme-was-uncovered-by-a-whistleblower/

 

 

 
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international business: MD International Case study

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MD International
Al Merritt founded MD International in 1987. A former salesman for a medical equipment company, Merritt saw
an opportunity to act as an export intermediary for medical equipment manufacturers in the United States. He
chose to focus on Latin America and the Caribbean, a region that he already had experience in. Also, trade barriers
were starting to fall throughout the region as Latin governments embraced a more liberal economic ideology,
creating an opening for entrepreneurs such as Merritt. Local governments were also expanding their spending on
health care, creating an opportunity that Merritt was poised to exploit.
Merritt located his company in south Florida to be close to his market. Since then, the company has grown to
become the largest intermediary exporting medical devices to the region. Today the company sells the products
of more than 30 medical manufacturers to some 600 regional distributors. While many medical equipment
manufacturers don’t sell directly to the region because of the sizable marketing costs, MD can afford to because it
goes into those markets with a broad portfolio of products.
The company’s success is in part due to its deep-rooted knowledge and understanding of the Latin American
market. MD works very closely with teams of doctors, biomedical engineers, microbiologists, and marketing
managers across Latin America to understand their needs and what the company can do for them. The sale of
products to customers is typically only the beginning of a relationship. MD International also provides training to
medical personnel in the use of devices and extensive after-sale service and support.
Along the way to becoming a successful exporter, MD International has leaned heavily upon export assistance
programs established by the U.S. government. For example, in the early 2000s a shipment to Venezuela was held
up by the Venezuelan customs seeking proof that the medical devices were not intended for military use. Within
two days, staff at the U.S. Export Assistance Center in Miami arranged for the U.S. embassy in Venezuela to have
a letter written and delivered to the customs officials, assuring them that the products had no military applications,
and the shipment was released. Merritt has also worked extensively with the ExportImport Bank to gain financing
for its exports (the company needs to finance the inventory that it exports).
Despite these advantages, it has not all been easy going for MD International. Latin American economies have
often been highly cyclical, and MD International has ridden those cycles with them. In 2001, for example, after
several years of solid growth, an economic crisis in both Argentina and Brazil, coupled with a slowdown in
Mexico, resulted in losses for the year and forced Merritt to lay off one-third of his staff and cut the pay of others,
which included a 50 percent pay cut for himself. Things started to improve in 2002, and the weak dollar in the
mid-2000s also helped to boost export sales. However, the global financial crisis of 2008 ushered in another tough
period; although prior experience suggests that MD International can not only survive such downturns, but also
come out stronger as weaker competitors fall by the wayside.
Case Discussion Questions
1. How does an intermediary such as MD International create value for the manufacturers that use it to
sell medical equipment in foreign markets? Why do they want to use MD International rather than
export directly themselves?
2. Why did MD International focus on Latin America? What are the benefits of this regional approach?
What are the potential drawbacks?
3. What would it take for MD International to start exporting to other regions such as Asia or Europe?
Given this, would you advise Al Merritt to continue his regional focus going forward or to add other
regions?
4. How important has government assistance been to MD International? Do you think helping firms such
as MD International represents good use of government resources?

 
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