This is a first of its kind empirical study addressing the unmarked topic of risk management practices (RMPs) of IFIs and CFIs in Pakistan. The study aimed at expanding the existing literature by providing novel empirical evidence. Literature review classified risks faced by both IFIs and CFIs under six categories. The research concludes that credit risk, equity investment risk, market risk, liquidity risk, rate of return risk and operational risk management practices in IFIs are not different from the practices in CFIs and the overall risk management practices of IFIs and CFIs are alike in...

Wal-Mart has been able to control its expenses better than its competition. In fact, it ranked number one in its industry for the lowest ratio of expenses to sales. Wal-Marts success stands on an amalgamation of value chain activities. Wal-Mart sustains its competitive advantage by exploiting its superior logistics, state-of-the-art technology, "every day low prices" strategy, and well established brand reputation. To identify areas for cost improvement Wal-Mart suppliers analyze their internal processes because they desire to see prices fall over time. In contrast to other retailers Wal-Mart...

If you have ever spent twenty minutes searching for your car keys only to find them in your front pocket, you know that memory processes are not infallible. Several factors influence whether we will retain or forget new information. While you cannot alter all of these factors to improve retention, modifying some lifestyle habits may boost your memory. The research discovers that some factors directly affect memory retention and retrieval in humans including Age, Gender and Smoking. Whereas the research also proves to be the last nail on the coffin of reality by ending the debate on the issue...