Short Sale Hardship Letter Sample
Short Sale Hardship Letter Sample
A short sale hardship letter is the most important financial hardship letter you will ever write. Your financial life is in the banks loss mitigators control and properly writing a hardship letter for short sale is crucial.
Short Sale Hardship Letter Sample
Stationery and Cards Sales via Key Retail Formats in Nigeria to 2013—Aarkstore Enterprise
Stationery and Cards Sales via Key Retail Formats in Nigeria to 2013—Aarkstore Enterprise
Introduction
Stationery and Cards Sales via Key Retail Formats in Nigeria to 2013′ databook provides market value data for two key market segments and eight key retail distribution channels. It focuses on data and analysis of market revenues and segmentation. It also provides historic and forecast data, as well as a comparison against the top five countries in the market.
Scope
*Stationery and cards retail sales revenues and analysis from 2003 to 2008 and forecast values up to 2013.
*Market value of two categories: greeting cards and stationery
*Current and forecast analysis of sales via major retail channels in the stationery and cards industry as well as its sub-categories
Highlights
Stationery and Cards retail sales in Nigeria increased at a compound annual growth rate of 8.1% between 2003 and 2008.
Stationery sales led the stationery and cards market with a share of 94.5% in 2008. Music, video, books and stationery retailers were the leading retail format for stationery in 2008.
Steps
*Design effective marketing and sales strategies by identifying the key growth categories and retail formats in terms of sales
*Develop business strategies by understanding the quantitative trends within the stationery and cards market in Nigeria
*Understand the future direction of the market with reliable historical data and full five year forecasting
VIEW 1
Catalyst 1
Summary 1
Methodology 1
STATIONERY AND CARDS RETAIL SALES OVERVIEW 6
Stationery and cards retail market definition 6
Stationery and cards sales overview 7
Stationery and cards retail sales value, 2003–08 8
Stationery and cards retail sales value, 2008–13 9
STATIONERY AND CARDS MARKET SEGMENTATION 10
Market sales analysis by category, 2003–08 10
Market sales analysis by category, 2008–13 12
STATIONERY AND CARDS SALES ANALYSIS BY KEY RETAIL FORMATS 14
Retail format definitions 14
Stationery and cards sales analysis by key retail formats, overview 17
Stationery and cards sales analysis by key retail formats, 2003–08 18
Stationery and cards sales analysis by key retail formats, 2008–13 19
GREETING CARDS SALES ANALYSIS BY KEY RETAIL FORMATS 20
Greeting cards sales analysis by key retail formats, overview 20
Greeting cards sales analysis by key retail formats, 2003–08 21
Greeting cards sales analysis by key retail formats, 2008–13 22
STATIONERY SALES ANALYSIS BY KEY RETAIL FORMATS 23
Stationery sales analysis by key retail formats, overview 23
Stationery sales analysis by key retail formats, 2003–08 24
Stationery sales analysis by key retail formats, 2008–13 25
STATIONERY AND CARDS RETAIL SALES – COUNTRY COMPARISON 26
Stationery and cards retail sales value of top five countries, 2003–13 26
APPENDIX 28
Methodology 28
Related research 29
consulting 29
Disclaimer 29
LIST OF FIGURES
Figure 1: Sales of stationery and cards in Nigeria value ($ m), 2003–13 7
Figure 2: Sales of stationery and cards in Nigeria, value ($ m), 2003–08 8
Figure 3: Forecast sales of stationery and cards in Nigeria, value ($ m), 2008–13 9
Figure 4: Sales of stationery and cards in Nigeria, value break down by category ($ m), 2003–08 10
Figure 5: Sales of stationery and cards in Nigeria, value break down by category (%), 2008 11
Figure 6: Forecast sales of stationery and cards in Nigeria, value break down by category ($ m), 2008–13 12
Figure 7: Sales of stationery and cards in Nigeria, value break down by category (%), 2013 13
Figure 8: Stationery and cards, Nigeria, revenue split by key retail formats (%), 2008 17
Figure 9: Greeting cards, Nigeria, revenue split by key retail formats (%), 2008 20
Figure 10: Stationery, Nigeria, revenue split by key retail formats (%), 2008 23
Figure 11: Stationery and cards, growth comparison (value $ m), top five countries 26
LIST OF TABLES
Table 1: Stationery and cards retail market definition 6
Table 2: Sales of stationery and cards in Nigeria, value ($ m), 2003–13 7
Table 3: Sales of stationery and cards in Nigeria, value ($ m and NGNm), 2003–08 8
Table 4: Forecast sales of stationery and cards in Nigeria, value ($ m and NGNm), 2008–13 9
Table 5: Sales of stationery and cards in Nigeria, value break down by category ($ m), 2003–08 10
Table 6: Forecast sales of stationery and cards in Nigeria, value break down by category ($ m), 2008–13 12
Table 7: (Part 1) Retail format definitions 14
Table 8: (Part 2) Retail format definitions 15
Table 9: (Part 3) Retail format definitions 16
Table 10: Stationery and cards, Nigeria, revenues split by key retail formats ($ m), 2003–08 18
Table 11: Stationery and cards forecast, Nigeria, revenues split by key retail formats ($ m), 2008–13 19
Table 12: Greeting cards, Nigeria, revenues split by key retail formats ($ m), 2003–08 21
Table 13: Greeting cards forecast, Nigeria, revenues split by key retail formats ($ m), 2008–13 22
Table 14: Stationery, Nigeria, revenues split by key retail formats ($ m), 2003–08 24
Table 15: Stationery forecast, Nigeria, revenues split by key retail formats ($ m), 2008–13 25
Table 16: Global Stationery and cards market split (value $ m), top five countries 27
For more information, please contact :
Pushpanjali
Marketing Manager
contact@aarkstore.com
http://www.aarkstore.com
http://blogs.aarkstore.com
Article from articlesbase.com
Categories: Bank Card Sales Tags: 2013Aarkstore, Cards, Enterprise, Formats, Nigeria, retail, Sales, Stationery
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Fun Printable Father’s Day Cards, Birthday Invitations & More
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Merchant Processing Services – Accept Credit Cards – Bank Card Empire – Card Processing Services – Bank Cards
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Methods of processing credit cards
Today a majority of credit card transactions are sent electronically to merchant processing banks for authorization, capture and deposit. Various methods exist for presenting a credit card sale to “the system.” In all circumstances either the entire magnetic strip is read by a swipe through a credit card terminal/reader, a computer chip is read, or the credit card information is manually entered into a credit card terminal, a computer or website. The earliest methods, submitting credit card slips to a merchant processing bank by US mail, or by accessing an Automated Response Unit (ARU) by telephone, are still in use today but have long been overshadowed by electronic devices. These early methods used two-part forms and a manual device for mechanically imprinting the embossed card number information onto the forms. Whenever practical it is best to swipe a credit card because the rates will be much lower and the incidence of stolen credit card number fraud is greatly reduced.
Credit card terminal
A credit card terminal is a stand-alone piece of electronic equipment that allows a merchant to swipe or key-enter a credit card‘s information as well as additional information required to process a credit card transaction. A credit card terminal is a dedicated piece of equipment that only processes credit cards although it is common for related transactions including gift cards and check verification to also be performed. A credit card terminal typically must be plugged in to a power supply and connected to a telephone line. However, some terminals may be powered by batteries, communicate over the Internet or through the cellular phone networks. When a credit card is processed (either swiped through the magnetic stripe reader or keyed in to the keypad), it contacts the network to verify if the credit card can be authorized. The transaction is then stored on the machine until the polling window is opened. The machine will either upload the electronic funds directly to the merchant bank, or a polling service provider will dial in to collect, process then submit the data to the merchant bank. The most popular credit card terminals consist of a modem, keypad, printer, magnetic stripe reader, power supply and memory card. They have had the same basic design since the 1980s. As with computers, there is a wide range of memory capacities and other features like built-in printers and debit card pinpads that affect the manufacturing cost of a credit card terminal.
Automated Response Unit (ARU)
An ARU (also known as a voice authorization, capture and deposit) allows the manual keyed entry and subsequent authorization of a credit card over a cellular or land-line telephone. With this method a merchant typically imprints their customer’s card with an imprinter to create a customer receipt and merchant copy, then process the transaction instantaneously over the phone.
Payment gateway
A payment gateway is an e-commerce service that authorizes payments for e-businesses and online retailers. It is the equivalent of a physical POS (point-of-sale) terminal located in most retail outlets. A merchant account provider is typically a separate company from the payment gateway. Some merchant account providers have their own payment gateways but the majority of companies use 3rd party payment gateways. The gateway usually has 2 components: a) the virtual terminal that can allow for a merchant to securely login and key in credit card numbers or b) have the website’s shopping-cart connect to the gateway via an API to allow for real time processing from the merchant’s website.
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Candy Card Secrets – The Ultimate Greeting Card.
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