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  21 July 2017   Arts and Writing  |  Beauty & Style  |  Education  |  Entertainment  |  Family & Romance  |  Health  |  Politics & Business  |  Sports  |  Technology & Autos  |  Travel  | 
   
 
Winning a scholarship I
February 12 , 2014

Picking a wonderful quote made by an educationist and a freedom-fighter; late Nelson Mandela, from my last article titled Empowerment through scholarship, he said and I quote, a good head and good heart are always a formidable combination. But when you add to that a literate tongue or pen, then you have something very special. He reiterated further that, education is the most powerful weapon which you can use to change the world. Almost everybody in an education world wishes to have a scholarship at one point or the other in their academic sojourn but in spite of everyone wanting one, scholarships are complicated things. This article looks at ways you can increase your chances of winning the highly coveted scholarships.

Much strife to fill out forms and apply for the few candid ones that are available and only a small number of people get them. It appears that there are even many of those scholarship offers out there that go unexploited on a yearly basis. Scholarships cannot be placed in the same category as loans as they differ due to the fact that they are free money that does not require any pay back or interest, hence, they are highly coveted things. And for every soon-to-be graduate or intern-interested student, scholarships are brilliant resume boosters and make an eye-catching effect on any resume. 

For someone hoping to win a scholarship, the most excellent way to start seeking scholarships is to embark on series of enquiries and search. Most colleges and universities have affiliations with several local, international and private/individual scholarship boards. More often than not, the various scholarships will be highlighted on the school’s website; however, a scholarship applicant can always make enquiries as to their genuineness and availability. When this has been confirmed, one can find out how much is up for grabs as scholarship offer and the reasons why they are established. In actual fact, scholarships are not handed over to an applicant on a platter of gold; although some people might be lucky with theirs, you must definitely do your research and application. 

One of the few ways to increase your chances of winning scholarships is to pay attention to details and contents. Scholarships always come with ample instructions explaining and showing directions on how to effectively and efficiently apply for scholarships. Such information can be found in books, scholarship board websites and also referrals from previous successful winners of scholarships.

Al

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Nomis may be a fast-growth software firm that brings together cutting-edge Silicon Valley approaches to big details, leading-edge modeling, and deep analytics to help sizable and medium-sized retail banks greater understand their potential clients
Nationwide
Nationwide is usually a British mutual personal institution and also largest generating society during the world. Made up of over a hundred mergers, it serves as a top-three provider of household savings and mortgages around the UK. By property, Nationwide is larger than all with the remaining 44 British making societies combined. Nomis Price Optimizer™ facilitates Nationwide to much better serve its potential consumers, augment its previously tiered process to lending, and offer rates that are tailored to the market, account for risk, and are ultimate suited to the customer.
Key benefits
Gained a significant 40 basis points in improved profit
Added effects: Strategically repositioned personal loan product as ’high margin’ with greater profitability; identified the opportunity to increase profits by 10% making use of strategic pricing alone; increased understanding from the value of data-driven decisions; and offered a lot more personalized pricing with no negative impact to customer satisfaction.
We’ve partnered with Nomis Solutions make use of a far more customer-centric and tailored solution to pricing that will permit us to price our unsecured loans organisation appropriately and prudently. The Nomis Price Optimizer enables us to understand the impact of pricing on customer response and use that insight to make smarter pricing decisions with this difficult environment.
Simon Beresford, Head of Consumer Lending, Nationwide
Scotiabank
Scotiabank is just one belonging to the leading personal institutions in North America using an international presence in fifty countries. With headquarters in Toronto, the bank was founded in 1832. Scotiabank has in excess of 18 million visitors and over $500 billion in property. Scotiabank partnered with Nomis to implement the Nomis Customer Portfolio Optimization™ suite.
Key end results
Exceeded projected 1.3% uplift in belongings retained (with no expenses to margin) and $3.5 million in Net Interest Income over the earliest 12 months
Overall retention rate increased by 1.9%
Average yield remained steady at less than 1 basis point below commerce as usual
Average income increased by $5.1 million
Increased benefits: Increased retention significantly earlier mentioned plan with direct mail campaigns in targeted segments; kept sales officers in just pricing guidelines; and heightened renewal activity during the offer period by phasing proactive contact.
Before Nomis, our renewal contact with potential clients was basically regulatory-driven. Nomis helped us by having a quite a bit a little more disciplined contact strategy. What we needed was someone to apply analytic discipline to our mortgage retention initiatives and to offer assistance on which patrons had been most most likely to attrite so we could focus our efforts on those visitors. What it boiled down to was what consumers to contact, how to contact them, and what renewal rate we should offer them. Within the same time, our pricing was entirely dependent on our sales officer’s negotiation. With Nomis, we had been able to standardize our pricing and offer rates to our clientele based mostly primarily on their own probability of attrition. We not only met our internet business case objectives, we exceeded them. even though in the same time we were being able to keep our margins stable.
Lezley Chafetz, Director of Product & Program Create, Scotiabank
Top 5 US Bank
+16% originations with improved risk and profit
Top 5 US Bank
“T5” was less than intense pressure in the declining market with increasing loss rates. This top-five bank’s home equity leadership sought a way to shortly increase margins, sustain volume, and leverage pricing to make a added attractive portfolio composition and risk profile, at the same time effectively deploying increasingly scarce capital. They executed Nomis Price Optimizer™ for Home Equity to instantly calculate the profit-optimal price points for hundreds of thousands of product pricing cells, improve the efficiency in the pricing system by centralizing pricing data and models in a single solution, and leverage simulation to gain a great deal more visibility into product and portfolio effectiveness. They also sought to understand the impact of price adjustments and macroeconomic changes before implementing new prices on the market.
Key successes
Increased profits by four.9% even though significantly increasing volume by 15.5%
More gains: Monitored the impact that new rates had on effectiveness and rapidly made changes to attain desired good results; fairly quickly updated goals and internal constraints to the entire portfolio, just one product, or a particular micro-segment; leveraged “what-if” scenarios to determine what would happen if they matched a competitor rate in the particular market segment and to simulate the impact of higher loss rates on overall performance; and determined through simulation the cross-price effects on other products on the portfolio before implementing a product rate change to ensure that their decisions led to desired credit mix and effectiveness targets.
By implementing a profit-based pricing process, we’ve gained a significant advantage which allows us to higher manage our capabilities inside a volatile home equity market.
Vice President of Home Equity Lending, T5
Ned Bank
Nedbank Group Minimal is the fourth largest banking group in South Africa, with the second largest retail deposit base. Which includes a legacy of market-based pricing, the bank was seeking a strategic strategy to pricing that would make it possible for them to significantly more easily and consistently evaluate potential pricing decisions and increase their speed of learning. On the same time, Nedbank wanted to produce a added customer-centric method to pricing, taking into account preferences, demand, and overall relationship profitability with the pricing approach. To obtain their deposit goals, the bank needed to increase Net Interest Income and improve retention without sacrificing balances and volumes. Nedbank also wanted a greater precise technique to predicting long term balance flows less than varying market conditions. They selected the Nomis Price Optimizer™ choice.
Key end results
Achieved 18% spread improvement and 12% incremental Net Interest Income on the 1st 5 months with less than 1% impact on balances
Gained sophisticated ability to predict upcoming balance flows less than varying conditions
Supplemental outcomes: Increased profitability of patrons through a much better understanding of potential balance cannibalization; achieved much better volume and margin trade-offs by having a a whole lot more granular pricing strategy; and freed resources for higher-value, considerably more strategic activities by operationalizing a well-defined pricing methodology from the Nomis software.
We now appear at new product offerings by using a greater understanding of your potential implications for your rest in the book. It is also led us to structure our products in like a way that we have different strategic approaches to pricing on all of these products. The segmentation has allowed us to differentiate determined by the clients’ needs, which differentiation is likewise included in new product advancement. The outcomes of new introductions are clearly understood and measurable. Furthermore, we have a clearer understanding of how the products flow around each and every other and how the potential customers react in different economic cycles to different product categories.
Alison Teal, Head of Retail Balance Sheet Management, Nedbank Group


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