Analysis of Apple Company's Employee Motivation and Finance
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This report provides a comprehensive analysis of Apple Company's approach to employee motivation and finance management. It begins with an introduction to the company, its history, and global operations. The main body delves into the role of Human Resources (HR) in fostering employee motivation, focusing on the application of Maslow's hierarchy of needs and how Apple addresses physiological, safety, belongingness, esteem, and self-actualization needs. The report then examines the role of finance management within Apple, including capital investment decisions, cash flow management, risk management, financial planning, fund allocation, reporting, and the disposal of surplus. The report concludes by summarizing the key findings and emphasizing the importance of both employee motivation and sound financial practices for Apple's continued success.
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Table of Contents
Table of Contents
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INTRODUCTION.................................................................................................................................3
MAIN BODY........................................................................................................................................3
Roe of HR in employee motivation...................................................................................................3
Role of Finance Management............................................................................................................5
CONCLUSION.....................................................................................................................................8
REFERENCES......................................................................................................................................9
MAIN BODY........................................................................................................................................3
Roe of HR in employee motivation...................................................................................................3
Role of Finance Management............................................................................................................5
CONCLUSION.....................................................................................................................................8
REFERENCES......................................................................................................................................9

INTRODUCTION
Human resource management is defined as a process to monitor and control the
requirement of the human resources associated with the organisation. This report is based on
the case study of Apple Company is respect to employee motivation and finance management
in company. Company was established in the year 1976 by the founder Steve Jobs, Steve
Woznaik and Ronald Wayne. Headquarter of the company is located in United States of
America. Company operate a global business base. This report will analyses about different
factors associated employee motivation in Apple Company. Approaches of the organisation
to improve the employee motivation will also discuss in this report. Furthermore, report will
also analyse about role of finance management in company.
MAIN BODY
Roe of HR in employee motivation
Employee motivation is defined as improving the employee morale to conduct
different operation functions of Apple Company. Motivation plays an important role for the
organisation to boost the employee confidence and involvement in different functional
activities of the company. This also improve the employee well being in company. Apple
Company following the following approaches with the support of its Human Resource
Department to improve the employee motivation in company.
Maslow need hierarchy model
This is an effective employee motivation model that drive organisation to improve the
employee morale in company. This model emphasis on improving the motivation of
employees by meeting different needs of employee. This model of employees motivation
suggest that motivation of employee is directly associated with its needs and requirements.
This model segregates needs into different types that can be projected in the following points.
Physiological need: The need hierarchy model suggest that motivation level of employees in
company is directly reflected with the needs of the employees. If the company is unable to
cope up with the different needs of employees than it will not be able to improve or boost the
motivation level of its employees. Physiological needs belong to the basic needs of the
human resources part of the company (Kirilina and Panina, 2017). Needs like food, shelter,
water and other basic need of the human being. Apple Company gives huge emphasis to keep
Human resource management is defined as a process to monitor and control the
requirement of the human resources associated with the organisation. This report is based on
the case study of Apple Company is respect to employee motivation and finance management
in company. Company was established in the year 1976 by the founder Steve Jobs, Steve
Woznaik and Ronald Wayne. Headquarter of the company is located in United States of
America. Company operate a global business base. This report will analyses about different
factors associated employee motivation in Apple Company. Approaches of the organisation
to improve the employee motivation will also discuss in this report. Furthermore, report will
also analyse about role of finance management in company.
MAIN BODY
Roe of HR in employee motivation
Employee motivation is defined as improving the employee morale to conduct
different operation functions of Apple Company. Motivation plays an important role for the
organisation to boost the employee confidence and involvement in different functional
activities of the company. This also improve the employee well being in company. Apple
Company following the following approaches with the support of its Human Resource
Department to improve the employee motivation in company.
Maslow need hierarchy model
This is an effective employee motivation model that drive organisation to improve the
employee morale in company. This model emphasis on improving the motivation of
employees by meeting different needs of employee. This model of employees motivation
suggest that motivation of employee is directly associated with its needs and requirements.
This model segregates needs into different types that can be projected in the following points.
Physiological need: The need hierarchy model suggest that motivation level of employees in
company is directly reflected with the needs of the employees. If the company is unable to
cope up with the different needs of employees than it will not be able to improve or boost the
motivation level of its employees. Physiological needs belong to the basic needs of the
human resources part of the company (Kirilina and Panina, 2017). Needs like food, shelter,
water and other basic need of the human being. Apple Company gives huge emphasis to keep

the salary structure of the employees at such level where all employees in company can
effectively deal with its all kinds of physiological needs. They are the basic need of the
employees. In case of employees struggling with its basic needs while working in a company
than the organisation contain a very high employee turnover due to employee’s leaves the
organisation on a very rapid basis. This also causes to low performance of the organisation in
target market.
Safety and security: Safety and security is also a key feature associated with employee
motivation in company. Employee needs like well being of employee at work place and other
key aspects like effective income and pay scale of employee is a part of this need. This
concept of employee motivation drive company that in case the employee struggle with its
safety and security related needs while working in the organisation than it will negatively
heat over the employee motivation in company (Hill, 2018). Apple company try to offer an
effective pay scale at all designated positions in company so that all employees can
effectively meet up all safety and security related needs. Company also offer different perks
like staff quarter and other amenities to improve the employee safety and security at work
place.
Belongingness and love: Belongingness and love is also an important feature associated with
employee motivation level in company. This can be stated as the basic need associated with
the employee motivation in company. This need project that all employees joined the
organisation must feel to be a part of the organisation at all level. Employee must not face
any kind of discrimination at work place (Burton and et.al., 2017). Apple Company
management give hige emphasis to improve the work culture of company. Management has
also developed the employee grievance cell in Human resources department of company
where all employees can report any kind off discriminations they have faced on the ground of
any social factor and other factor to improve the employee motivation level.
Esteem: Esteem is defined as getting proper treatment and respect at the work place. All
employees’ part of the organisation must receive a fair treatment at work place. This is also
an important factor associated with the employee motivation at work place. In case the
employees receive unfavourable treatment at work place than it negatively heat the
motivation level of employees (Lorincová and et.al., 2019). Self respect is among the key
pillar part of the employee motivation a confidence. This also influence the employee well
effectively deal with its all kinds of physiological needs. They are the basic need of the
employees. In case of employees struggling with its basic needs while working in a company
than the organisation contain a very high employee turnover due to employee’s leaves the
organisation on a very rapid basis. This also causes to low performance of the organisation in
target market.
Safety and security: Safety and security is also a key feature associated with employee
motivation in company. Employee needs like well being of employee at work place and other
key aspects like effective income and pay scale of employee is a part of this need. This
concept of employee motivation drive company that in case the employee struggle with its
safety and security related needs while working in the organisation than it will negatively
heat over the employee motivation in company (Hill, 2018). Apple company try to offer an
effective pay scale at all designated positions in company so that all employees can
effectively meet up all safety and security related needs. Company also offer different perks
like staff quarter and other amenities to improve the employee safety and security at work
place.
Belongingness and love: Belongingness and love is also an important feature associated with
employee motivation level in company. This can be stated as the basic need associated with
the employee motivation in company. This need project that all employees joined the
organisation must feel to be a part of the organisation at all level. Employee must not face
any kind of discrimination at work place (Burton and et.al., 2017). Apple Company
management give hige emphasis to improve the work culture of company. Management has
also developed the employee grievance cell in Human resources department of company
where all employees can report any kind off discriminations they have faced on the ground of
any social factor and other factor to improve the employee motivation level.
Esteem: Esteem is defined as getting proper treatment and respect at the work place. All
employees’ part of the organisation must receive a fair treatment at work place. This is also
an important factor associated with the employee motivation at work place. In case the
employees receive unfavourable treatment at work place than it negatively heat the
motivation level of employees (Lorincová and et.al., 2019). Self respect is among the key
pillar part of the employee motivation a confidence. This also influence the employee well
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being and loyalty in respect to the company. Management of Apple Company ensures the fair
treatment with all employees’ part of the company.
Self actualisation: Self actualisation is also an important pillar that drives employee
motivation at work place. This is the factor that represents the well diversified organisation
hierarchy that provide sufficient growth opportunity to all employees (Rugg, 2018).
Organisation hierarchy of the Apple Company is distributed into multiple departments which
allow effective growth and development opportunity to all employees. In case the company
offer the effective growth opportunity in company at internal level it put a positive impact
over the employee motivation.
All the above factors are among the key pillar behind the approaches of the Apple
Company to boost the employee motivation in company. Employee motivation plays an
important role to polish the efforts of employees towards achieving the objectives of the
company. Company take strict control to improve the employee motivation so that efficiency
can be achieved by company.
Role of Finance Management
Finance management is defined as monitoring and controlling the financial
requirements of the company. Finance management is among the key role associated with
the organisation as the finance is among the limited resources associated with company so it
becomes necessary for the company to utilise its financial resources in the most optimum
manner. Finance department in Apple Company control different features of finance
management.
Capital investment decision: Finance management involve taking decisions related to
investment of company. In order to improve the utilisation of the financial resources of
company Finance manager take the capital investment decisions. Apple Company is among
the big brand in global business environment. Company make constant strategies and policies
to expand its business scale. Investment decision initiates such business expansion for
company. Capital investment decision involves decision making related to acquisition of any
organisation, market research over customer and market and other decisions. Company also
acquire different brands that can boost the company’s growth potentials. Capital investment
decision also involves identifying such brands that can improve the growth potential of
company.
treatment with all employees’ part of the company.
Self actualisation: Self actualisation is also an important pillar that drives employee
motivation at work place. This is the factor that represents the well diversified organisation
hierarchy that provide sufficient growth opportunity to all employees (Rugg, 2018).
Organisation hierarchy of the Apple Company is distributed into multiple departments which
allow effective growth and development opportunity to all employees. In case the company
offer the effective growth opportunity in company at internal level it put a positive impact
over the employee motivation.
All the above factors are among the key pillar behind the approaches of the Apple
Company to boost the employee motivation in company. Employee motivation plays an
important role to polish the efforts of employees towards achieving the objectives of the
company. Company take strict control to improve the employee motivation so that efficiency
can be achieved by company.
Role of Finance Management
Finance management is defined as monitoring and controlling the financial
requirements of the company. Finance management is among the key role associated with
the organisation as the finance is among the limited resources associated with company so it
becomes necessary for the company to utilise its financial resources in the most optimum
manner. Finance department in Apple Company control different features of finance
management.
Capital investment decision: Finance management involve taking decisions related to
investment of company. In order to improve the utilisation of the financial resources of
company Finance manager take the capital investment decisions. Apple Company is among
the big brand in global business environment. Company make constant strategies and policies
to expand its business scale. Investment decision initiates such business expansion for
company. Capital investment decision involves decision making related to acquisition of any
organisation, market research over customer and market and other decisions. Company also
acquire different brands that can boost the company’s growth potentials. Capital investment
decision also involves identifying such brands that can improve the growth potential of
company.

Cash flow management: Cash flow management is also among the key function of finance
management. This role project the management of liquidity available fro the company. In
order to conduct different functional activities company channelizes its liquidity to operate
such functional activities (Chandra, 2017). Cash flow management involves all liquidity
income and expenses that involves liquidity of the company. This is also the key functional
role associated with the financial management. This also involve analysing the transactions of
company and its authenticity as all corruptions happens in company are incurred in form of
liquidity expenses of company. With the support of this role company also assess its
operation authenticity.
Risk management: Risk management is defined as assessing the risk involve in a specific
operation. Apple Company involves in various functional activities that involves research
over product development, operations to deliver all its existing products and services and
other functional activities. Risk management involves assessing about the risk involve in each
operation function of company (Jayantilal, 2017). Apple Company also conducts various
investment activities which also involve risk of losing the financial freedom of company.
Financial management also involve assessing and analysing the risk involves in all functional
activities specifically while making investment decision of company.
Finance management: The role of finance manager also involve analysing the financial
needs of company. Finance management is also the key functional activity associated with
company. This involves managing company’s financial resources. This is among one of the
most significant operation functions that is associated with the Finance Manager in Apple
Company. Monitoring and control the financial requirement play the most important part of
the finance management function in Apple Company.
Allocating funds: Allocation of funds is among the primary role Finance Manager play in
the Apple Company. Organisation hierarchy of the Apple Company is divided into different
departments like accounts department, marketing department and so as multiple departments.
All such department conducts different functional activities in Apple Company. On the basis
of the needs and requirements associated with such department company allocate funds by
finalising individual operation budget of all departments with the support of Finance
Management. Allocation funds play an important role and also the critical as well. As the
financial resources are limited in number so it is essential for the company to utilise all its
financial resources in the most optimum manner. With the support of finance management
management. This role project the management of liquidity available fro the company. In
order to conduct different functional activities company channelizes its liquidity to operate
such functional activities (Chandra, 2017). Cash flow management involves all liquidity
income and expenses that involves liquidity of the company. This is also the key functional
role associated with the financial management. This also involve analysing the transactions of
company and its authenticity as all corruptions happens in company are incurred in form of
liquidity expenses of company. With the support of this role company also assess its
operation authenticity.
Risk management: Risk management is defined as assessing the risk involve in a specific
operation. Apple Company involves in various functional activities that involves research
over product development, operations to deliver all its existing products and services and
other functional activities. Risk management involves assessing about the risk involve in each
operation function of company (Jayantilal, 2017). Apple Company also conducts various
investment activities which also involve risk of losing the financial freedom of company.
Financial management also involve assessing and analysing the risk involves in all functional
activities specifically while making investment decision of company.
Finance management: The role of finance manager also involve analysing the financial
needs of company. Finance management is also the key functional activity associated with
company. This involves managing company’s financial resources. This is among one of the
most significant operation functions that is associated with the Finance Manager in Apple
Company. Monitoring and control the financial requirement play the most important part of
the finance management function in Apple Company.
Allocating funds: Allocation of funds is among the primary role Finance Manager play in
the Apple Company. Organisation hierarchy of the Apple Company is divided into different
departments like accounts department, marketing department and so as multiple departments.
All such department conducts different functional activities in Apple Company. On the basis
of the needs and requirements associated with such department company allocate funds by
finalising individual operation budget of all departments with the support of Finance
Management. Allocation funds play an important role and also the critical as well. As the
financial resources are limited in number so it is essential for the company to utilise all its
financial resources in the most optimum manner. With the support of finance management

task management of Apple Company identify needs of all functional departments in company
and allocate funds to them so they can conduct all different operation function.
Reporting: the role of financial management in an organisation further extends to the
reporting and other mandatory compliance related to the preparation of the financial accounts
and the other relevant details and statements (Oggero, Rossi and Ughetto, 2019). Since Apple
is a global company, the role of financial management in that company extends to the
implementation of standard practices such as IFRS etc. that ensures that the accounts and
statements that are prepared are in the compliance of the standards set. The financial
management is also concerned with ensuring that all the reporting that is being done and
presented in the accounts of the company are legal and valid. Discouraging usage of any fake
figures or reporting data in an unethical manner is the practice that must be avoided at all
coasts and the role of financial management extends to the compliance of this aspect
(Baharumshah, Slesman and Devadason, 2017). The reporting thus done is then used for the
purpose of forecasting and acts as a major tool for investment and other decision making for
many of the stake holders of the company. Apple has always performed exceptionally well in
the global market and therefore the accounting information in the statements that have been
prepared by them are very comprehensive.
Disposal of surplus: The surplus indicates the profits that the company is able to earn for
their activities and the amount that is needed in the financial statements that the company has
developed (Brusca, Gómez‐villegas and Montesinos, 2016). The financial management is
associated with the decisions to use that surplus amount that has been generated and in Apple
Plc. The decisions related to such aspect are taken by the top management by the different
probable course of strategies or investment options that can be adopted by the company are
suggested by the finance manager only. The distribution of the dividend, the percent that is to
be distributed, whether there should be any retained earnings or not, what is the amount that
is to be invested in some external ventures or if any diversification and expansion strategies
are to be implemented, etc. all are determined by the financial management of the Apple
company only (Bloc and Landgraf, 2016). The distribution of surplus aspect further involves
the manner in which the financial decision related to the magnitude of funds that are to be
invested is determined i.e. how much surplus it is being visited in different activities that are
of equal important and compromise with even one of the activities can lead to the
mismanagement of the financial profits that the company has been able to develop.
and allocate funds to them so they can conduct all different operation function.
Reporting: the role of financial management in an organisation further extends to the
reporting and other mandatory compliance related to the preparation of the financial accounts
and the other relevant details and statements (Oggero, Rossi and Ughetto, 2019). Since Apple
is a global company, the role of financial management in that company extends to the
implementation of standard practices such as IFRS etc. that ensures that the accounts and
statements that are prepared are in the compliance of the standards set. The financial
management is also concerned with ensuring that all the reporting that is being done and
presented in the accounts of the company are legal and valid. Discouraging usage of any fake
figures or reporting data in an unethical manner is the practice that must be avoided at all
coasts and the role of financial management extends to the compliance of this aspect
(Baharumshah, Slesman and Devadason, 2017). The reporting thus done is then used for the
purpose of forecasting and acts as a major tool for investment and other decision making for
many of the stake holders of the company. Apple has always performed exceptionally well in
the global market and therefore the accounting information in the statements that have been
prepared by them are very comprehensive.
Disposal of surplus: The surplus indicates the profits that the company is able to earn for
their activities and the amount that is needed in the financial statements that the company has
developed (Brusca, Gómez‐villegas and Montesinos, 2016). The financial management is
associated with the decisions to use that surplus amount that has been generated and in Apple
Plc. The decisions related to such aspect are taken by the top management by the different
probable course of strategies or investment options that can be adopted by the company are
suggested by the finance manager only. The distribution of the dividend, the percent that is to
be distributed, whether there should be any retained earnings or not, what is the amount that
is to be invested in some external ventures or if any diversification and expansion strategies
are to be implemented, etc. all are determined by the financial management of the Apple
company only (Bloc and Landgraf, 2016). The distribution of surplus aspect further involves
the manner in which the financial decision related to the magnitude of funds that are to be
invested is determined i.e. how much surplus it is being visited in different activities that are
of equal important and compromise with even one of the activities can lead to the
mismanagement of the financial profits that the company has been able to develop.
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Fund- Raising: The fund raining is another aspect of the financial management that is
covered under its purview of management and it is basically concerned with the manner in
which the funds if there is any additional requirement is raised in the Apple Company. How
much form equity sector and how much for the debt sectors is the major decision aspect that
needs to be undertaken. The maintenance of the an ideal ratio is the key aspect behind the
fund raining and the financial management plays a key role in identifying the fund raising
strategies that are to be used (Swanton, Gainsbury and Blaszczynski, 2019). This is also
included in the financial management aspect that is adopted by the Apple Plc and the impact
of such decisions is then observed effectively.
Therefore, collectively it can be said that the role played by the financial management in a
company is very comprehensive and important and it cannot be done without the support of
the top management (Ford, Ross, Grable and DeGraff, 2020). For Apple Company, almost all
the aspects are complied with so that effective management practices can be adopted and
implemented.
CONCLUSION
This report has summarised about the impact of motivation in context to the corporate
organisation. Motivation is immensely depend upon the needs and requirements of the
employees associated with the company. By meeting all needs of employees such as safety
and security, basic needs of food, shelter and other basic needs and other needs like growth
need of employees. By fulfilling all kinds off needs management can boost the motivation
level of employees part of the company. Finance management involve allocation of funds,
risk management, cash flow statement and other kinds of financial functions of company.
Finance management also involve investment decision and other forms of decisions.
covered under its purview of management and it is basically concerned with the manner in
which the funds if there is any additional requirement is raised in the Apple Company. How
much form equity sector and how much for the debt sectors is the major decision aspect that
needs to be undertaken. The maintenance of the an ideal ratio is the key aspect behind the
fund raining and the financial management plays a key role in identifying the fund raising
strategies that are to be used (Swanton, Gainsbury and Blaszczynski, 2019). This is also
included in the financial management aspect that is adopted by the Apple Plc and the impact
of such decisions is then observed effectively.
Therefore, collectively it can be said that the role played by the financial management in a
company is very comprehensive and important and it cannot be done without the support of
the top management (Ford, Ross, Grable and DeGraff, 2020). For Apple Company, almost all
the aspects are complied with so that effective management practices can be adopted and
implemented.
CONCLUSION
This report has summarised about the impact of motivation in context to the corporate
organisation. Motivation is immensely depend upon the needs and requirements of the
employees associated with the company. By meeting all needs of employees such as safety
and security, basic needs of food, shelter and other basic needs and other needs like growth
need of employees. By fulfilling all kinds off needs management can boost the motivation
level of employees part of the company. Finance management involve allocation of funds,
risk management, cash flow statement and other kinds of financial functions of company.
Finance management also involve investment decision and other forms of decisions.

REFERENCES
Baharumshah, A.Z., Slesman, L. and Devadason, E.S., 2017. Types of foreign capital inflows
and economic growth: New evidence on role of financial markets. Journal of
International Development. 29(6). pp.768-789.
Block, J.H. and Landgraf, A., 2016. Transition from part-time entrepreneurship to full-time
entrepreneurship: the role of financial and non-financial motives. International
entrepreneurship and management journal. 12(1). pp.259-282.
Books and Journals
Brusca, I., Gómez‐villegas, M. and Montesinos, V., 2016. Public financial management
reforms: The role of IPSAS in Latin‐America. Public Administration and
Development. 36(1). pp.51-64.
Burton, F. G. and et.al., 2017. An evaluation of research impact in accounting, economics,
finance, management, marketing, psychology, and the natural sciences. Working
Paper, Brigham Young University.
Chandra, P., 2017. Investment analysis and portfolio management. McGraw-hill education.
Ford, M.R., Ross, D.B., Grable, J. and DeGraff, A., 2020. Examining the role of financial
therapy on relationship outcomes and help-seeking behavior. Contemporary Family
Therapy. 42(1). pp.55-67.
Hill, K. C., 2018. Managing Employee Motivation Through the Process of Government
Furloughs.
Jayantilal, D. A., 2017. The effect of financial literacy on personal finance management: a
case study on employees of Bank of Baroda (Kenya) Limited (Doctoral dissertation,
United States International University-Africa).
Kirilina, T. Y. and Panina, O.I., 2017. Employee motivation
management. Annotation. 26(2017).
Lorincová, S. and et.al., 2019. Employee motivation as a tool to achieve sustainability of
business processes. Sustainability. 11(13). p.3509.
Oggero, N., Rossi, M.C. and Ughetto, E., 2019. Entrepreneurial spirits in women and men.
The role of financial literacy and digital skills. Small Business Economics, pp.1-15.
Rugg, J. E., 2018. The Connection Value Chain: Impact of Connection Culture and Employee
Motivation on Perceived Team Performance. Biola University.
Swanton, T.B., Gainsbury, S.M. and Blaszczynski, A., 2019. The role of financial institutions
in gambling. International Gambling Studies. 19(3). pp.377-398.
Baharumshah, A.Z., Slesman, L. and Devadason, E.S., 2017. Types of foreign capital inflows
and economic growth: New evidence on role of financial markets. Journal of
International Development. 29(6). pp.768-789.
Block, J.H. and Landgraf, A., 2016. Transition from part-time entrepreneurship to full-time
entrepreneurship: the role of financial and non-financial motives. International
entrepreneurship and management journal. 12(1). pp.259-282.
Books and Journals
Brusca, I., Gómez‐villegas, M. and Montesinos, V., 2016. Public financial management
reforms: The role of IPSAS in Latin‐America. Public Administration and
Development. 36(1). pp.51-64.
Burton, F. G. and et.al., 2017. An evaluation of research impact in accounting, economics,
finance, management, marketing, psychology, and the natural sciences. Working
Paper, Brigham Young University.
Chandra, P., 2017. Investment analysis and portfolio management. McGraw-hill education.
Ford, M.R., Ross, D.B., Grable, J. and DeGraff, A., 2020. Examining the role of financial
therapy on relationship outcomes and help-seeking behavior. Contemporary Family
Therapy. 42(1). pp.55-67.
Hill, K. C., 2018. Managing Employee Motivation Through the Process of Government
Furloughs.
Jayantilal, D. A., 2017. The effect of financial literacy on personal finance management: a
case study on employees of Bank of Baroda (Kenya) Limited (Doctoral dissertation,
United States International University-Africa).
Kirilina, T. Y. and Panina, O.I., 2017. Employee motivation
management. Annotation. 26(2017).
Lorincová, S. and et.al., 2019. Employee motivation as a tool to achieve sustainability of
business processes. Sustainability. 11(13). p.3509.
Oggero, N., Rossi, M.C. and Ughetto, E., 2019. Entrepreneurial spirits in women and men.
The role of financial literacy and digital skills. Small Business Economics, pp.1-15.
Rugg, J. E., 2018. The Connection Value Chain: Impact of Connection Culture and Employee
Motivation on Perceived Team Performance. Biola University.
Swanton, T.B., Gainsbury, S.M. and Blaszczynski, A., 2019. The role of financial institutions
in gambling. International Gambling Studies. 19(3). pp.377-398.
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