Socail Business Plan 

Trend Company(TC) Social Business Plan
''Change for disable handicapped people''

EXECUTIVE SUMMARY EXAMPLE: TREDNYOL.COM

Globalization is effect all over the world. Therefore; people want to wear good brand clothes. Brands determine social status and all individuals want to wear favorable and trend brands. It also affects Turkey so branding has increased in Turkey. Trendyol.com is a private shopping web site which sells fashion textile products up to 90% discount customer. The main goal of Social Business is provide poor people; defective, cheap, clearance, high quality and good brands. On the other hand, we want to provide work opportunity disable people and they can earn money and they are going to feel free in the society. Our district is Sultanbeyli where close trendyol operation center and so many poor people live there. Our shop is going to be in Turgut Reis. Because Trendyol has shop for rent and they want to give donation us. Trendyol com the most sought-after brands and designers, in March 2010, set out the aim of making accessible to everyone. A pioneer in fashion since its inception, with the mission to support designers in this direction a lot of Turkish designer was the first site to offer their products for sale on the Internet. As of the end of 2011 more than 4 million members and more than 1000 young team of 600 people, serving a range trendyol.com brand, founded by a giant Operations Center carries out the shipment of the package every day, tens of thousands.

1. BUSINESS DESCRIPTION
Social Business Concept

Trend and Trenyol can start social business by establishing a company sell cheap, defective and clearance sale poor people and this shop disable people are going to work there. Leftover pieces of old collections from Trendyol’s can also be sold in the stores and Trendyol could get a from cost of goods sold. Trendyol will donate one shop in Sultanbeyli which we can sell and earn money for it. Finally Trendyol provide the logistics and supply chain. Supplier will 
provide some of the goods.

Management Team

Anıl Sural and Dorukan Tipici, the founder of Trendyol who is Demet Mutlu, will be on the executive board. Marketing manager will be Assit. Prof. Meltem Kıygı Çallı and Finance Manager will be Prof. Suat Teker could be other board members. Emre Aykanat general manager with e- Business and retail background should be employed to run the social business in a sustainable way.

Products/Services Description

Our products are textile and shoes. Textiles are especially t-shirts and sweatshirts. And these are defective, end of series and clearance. All will be cheap and we will buy from trendyol charge. Most of them famous brand and environment friendly. Price will be under market prices.

Social Purpose

Trend has a two role for this our Social Business.First one is Trend supply good quality textile, and shoes for poor people. These goods will be super cheap when you compare original price. It is not for only clothes our customer can find electronic, accessories etc because it is not main point clothes. They should feel good when they buy their demand for life and for feel same with other people. Second main socail purpose is we want participate labor force people with disabilities. Disable people should work if they want because we live equal world. They had same penalties when they were born or during the year with accident but training of people with disabilities in a job they can do the basis of capacity, making them efficient provision of economic and social well-being, it is essential to ensure people with disabilities employed in order to obtain benefit from vocational rehabilitation services.

Social impact can be measured in various ways, such as:

- Number of members of vulnerable groups employed by the Social Business

- Percentage of the handicapped employed by the Social Business

- Average increase in household income in employees

- Number of beneficiaries having received cheap, good quality textile, accessories, bags, cosmetic, electronic, office supplies and shoes.

2. MARKET ANALYSIS

Trend Social Business Line will proivde defective, cheap, clearance, high quality and good brands. The collection will be positioned in a medium price range and our main work with men clothes,women clothes, baby and child clothes. In addition it shoes. Appliances and cosmetic. Our product range is so large we do it because first reason if poor people live in this society, they would like to use bags, accessories etc. they can feel equal with other people. Second reason about quantity Trend's product which we want to sell in Sultanbeyli these are clearance, defective so we didn't want to focus only one. Our reason a few products can be defective and if we choose large concept we can enlarge our product. We are retailer. The Turkish retail market is continuing its sustainable growth in line with increasing purchasing power per capita and the development of modern and organized retailing. The per capita private consumption of US$7,350 in 2011 is expected to exceed US$10,000 by 2015. Strong economic performance supported by a young population stimulates growth in spending per capita. As a consequence of the strong demand from Turkish consumers, retail investments have been experiencing great momentum in recent years.

Industry and Outlook

Our concept is so different so their is no real competitive for us. We can tell some of the e-business which are web site and they sell from there. But they sell high profit rate and they cannot sell our price because our goods are clerance, defective and out of stock. Genereally wholesaler does our business but they sell like YKM and Boyner. Our advantage is we do not pay any rent for our Shop and our customer who is poor and they live our district where is Sultanbeyli. We can give example some boutique and grocery shop where people buy men clothes, women clothes, baby and child clothes. In addition it accessories, shoes and handbags, household appliances and cosmetic. Second hand shop can be our competitor. But there is a few shop in Sultanbeyli like it. And people want to buy first use. Our product will be first use but second hand price. And quality and high standart produt we want to sell our dear customer.

Product	YKM	BOYNER	CARREFOUR	TREND
Black US Polo 121 Shoes	70	80	50	20
White Sweatshirt with Logo US Polo	45	55	40	25
Red and White US Polo Sweatshirt	30	35	25	15
Docker Pants	55	70	40	25
South Blues T-shirt	30	40	25	20
MP Trouser Brown	35	35	30	25

3. ORGANIZATION

Trend will be locate in Sultanbeyli, İstanbul. Our shop will be given by Trendyol and theywant to donated it for us. Management will be Anil Sural and Dorukan Tipici. Okan University Academic Staff would like to support us. Marketing Asist. Prof. Meltem Kıygı Çallı and Finance Prof. Suat Teker will be help for our project. Disable people are going to work our shop.Trednyol.com will help transportation and logistics issue. Trendyol located in Tuzl and Trend Social Business locate Sultanbeyli. It is close Trendyol’s warehouse. Some of the time wholesaler will help for transfor our shop. Trendyol’s joint ventures company would like to support us.  Our store will be 100 m2 and it will design for disable people who use.

Human Resources

Our manager team will be our founder who is Anıl Sural and Dorukan Tipici. Marketing and Finance department will be help by our academic Asist. Prof Meltem Kıygı Çallı and Prof. Suat Teker. Our shop will be open on Monday till Friday 10.00-20.00. Saturday will be 10.00-22.00 and Sunday will be on 12.00-18.00. We want to start with 3 people. And it will increase during the moths. Because Trend want 2 days off for our worker. We will pay 900 Turkish Lira 3 people and per months it will be 2.700 TL.

Suppliers

Trendyol is the main suppliers for what we sell in Trend Shop. And they will support for the shop. In the second phase, broaden range of suppliers to other garment producers in the wider area. Our location is very good that we can meet and others can support us beause it is close the organized industrial zone. Trendyol is an experimental retailer we are lucky that we work with this brand. We will use single source supplier. Demand Flow manufacturing's emphasis on single-source suppliers should not be confused with the sometimes scary practice (often employed by regulatory agencies) of using sole-source suppliers. Sole-source suppliers are the only ones in the world that make or supply a particular part. If a company wants or needs that part, it must go to those suppliers and meet their terms. In contrast, single-source suppliers are those selected by the manufacturer or customer to be the exclusive supplier for a particular part. This exclusive selection is the decision of the selection team and buyer, and it offers several advantages. The choice of doing business exclusively with one supplier of a particular part differs from a sole-source approach because there are other suppliers willing and able to provide the particular part.

4. MARKETING AND STRATEGY

Trend Company(TC) establihed in 2012 and Chief Executive Officer is Anıl Sural. General Manager is Dorukan Tipici. We are going to open shop in Sultanbeyli and we want sell quality brand to customer. We don’t manufacturer it because if we do it could be more expensive Trend will buy defective and clearance products from Trendyol for non profit. We cannot determine price because it would be so many kind. But we can give an example for price policy. US POLO shoes are 100 Turkish Lira in Boyner. Trednyol.com sell it 40 TL. And if it defective or it is clearance we can buy it like 15 TL and we can sell it our Trend Store 20 TL. It is good price when you compare non quality China like Carrefour they sell there 25 TL so Our good good quality brand and it is cheap. Marketing and Finance will be our Prof. Distribution will be done through Trendyol as well as shop-in-shop concepts with selected retail partners

Distribution Channels

Possible distribution channels targeting especially poor citizens could be: Disable association, Employment agencies and social authorities Sultanbeyli Trend Shop Small distribution networks- these could be established in a second phase and supply remote areas, thereby creating additional employment opportunities for poor disable people.

Promotion Strategy

We want do word-of-mouth advertising. It is the most effective an efficient. Some of people will buy something. And they will say other people. It is like chain. Sultanbeyli Municipality and mukhtars will annouce poor people. We can do show card and put up the close district. Social Media is other source that we can useand people can learn us free. We can do web site and Trendyol can helpus about that. Because trendyol company is e-commercial and they know it how to do very well.

Strategic Alliances

Trend will enter into various strategic alliances, amongst others with: - Sultanbeyli Municipality: The Municipality will help foradvertisement and transportation for handicap.

- Istanbul Metropolitan Municipality Disability Directorate Sultanbeyli Branch: They will help for find employer and support find customer too.
- Okan University: The University will help for micro Credit and academic support for management issue.

- Sultanbeyli Lisesi: Teacher will help and they can tell student and their family.

- Sultanbeyli Gazetesi: Press will be for announcement and advertisement.

Swot Analysis

Trend Company Strong point is price. Because we will buy clearance and defective product with social purpose so Trendyol.com will give us for charge and we can sell it eas.

Our Weakness point is we cannot sale wide range of products beause we do not have warehouse.

Opportunity is we can sell in Sultanbeyli because here and this place is far from outlet and they cannot find these quality goods at this price. And in the future we can buy warehouse or municipality can donate and we can enlarge our business.

Weakness is difficult to say. But we cannot open second shop Because they have enough clothes for only one shop. It is difficult to find clearance clothes.

Why women cannot act in business life as well as men?

Women's work and earn money these are the first step of freedom. We live in global times and everybody can contribute to economy. Women are important for business life. Today, almost half of the world's population (49.7%) is women.[1] Women's participation in economic life with the beneficial effect of social economic development is not directly proportional. Women's participation in working life, education, work experience, a desire to succeed, work determination etc assess by looking at issues in society, as individuals, are useful in the event of the independent status of the family. Our very important here who is Mustafa Kemal Atatürk have significant sentence for women: "I must believe at this, everything we see in this world is the work of a woman." This sentence explains everything because I am writing about women can be business life and their ability manages it. But Atatürk’s sentence proof that women can do all. European Union regulations and practices within the scope of the process, the women's movement in Turkey made ​​a significant contribution in terms of reaching a better position. There are some reasons for why ladies are being secondary position. I want to write 4 fundamental reasons. First one is culture-based discrimination in the male-dominated society. Second one is women less benefit from educational opportunities. Actually we cannot talk about it big city like İstanbul, Ankara, İzmir etc. We can say east of the Turkey such as eastern anatolia region and southeastern anatolia region. Because Turkey is mosaic if you start Edirne and go to Hakkari you can see big difference and people behavior. Recently years various campaigns have started for promote education and consciousness-raising for uneducated family. Third one is Physiological differences in men as of women. Forth and last one is causes of defects and errors, such as legal regulations.

Women's participation is working life, education, work experience, a desire to succeed, perseverance, etc. assess by looking at issues in society, as individuals, are useful in the event of the independent status of the family. Discrimination against is women in a male-dominated social structure as a dominant ideology. Women are stacked in some sectors. There are a lot of women in the service sector or industry sector, textile; food is more than female employees as well as some branches. A similar agglomeration in the workplace has been the same. Next sections are the concentration of women in jobs that require less skill routine, repetitive, and provide at least a minimum of satisfaction that work is used in the initiative.  Women workers are more vulnerable than men in advancement and career opportunities.

Decision-makers, managers, regulators and doing jobs that require a lot of responsibility, implementing decisions, managed, fulfilling orders and tasks of position. Even if women are concentrated in professions men occupy government positions. Women's labor force participation is an important index when you consider sustainable development although it is labor force participation rate is low, show a decline over the years. In spite of the egalitarian laws, women's qualitative development and the mechanisms needed to enter the labor market is one of the main reasons for this decline in Turkey as well as one of the main problems of women's employment remains.[2]

The labor force participation rate of women in 1990 is around 34.1% to in 2002 it is 26.9% in 2004 percent is 25.4 and for the year 2010 was determined as 27.6%. According to 2010 figures, according to the city (23.7%) in rural areas, more women participate in the labor force (36.3%) may seem like the countryside 84 % of 100 women in the agricultural sector and 79% of them they are working as unpaid family workers without any charge.[3] In addition, intense rural-urban migration in Turkey living in the village to the city when it comes to women in the labor force in the professional knowledge-skills due to lack of adequate training and the labor market. Workforce is often a housewife. 100 women participating in the labor force 61.5 to participate in the labor force as the cause of "housewife" shows them.[4] This phenomenon reduces the labor force participation of women in both rural and urban. Women who have to work due to lack of income, social security, low-status-income jobs have to work.

 For the development of gender equality in the workplace for women and men the same provide career opportunities, improvement of working conditions, equal provide equal pay for work of equal conditions in social security and social gender discrimination should be avoided.

Gender equality and enables companies are increase to the rate of profit and performances. It has been taken into consideration the needs of shares employees (male or female) are more efficient and more productive work. Some of the industries and occupations in the arrest of a more balanced male-female ratio are observed created a better working environment.

In Turkey has 21 million labor force and these 9 million are women. [5] Women do not have equal status of women and men in the labor market or reinforcing stereotypes that men tend to ignore the real capabilities. This situation is not desirable for the development of gender equality.

Why should women managers?

Women are struggling for a job and they are more careful than men.
Women are capable of better training of the necessary personnel. Women are advanced didactic aspect.
Women are more comfortable in new situations and keep up with the changes
Women are enthusiasm and encouragement their employee to their job.
Women are more open to new ideas. In addition, the success of women in business opens success to creativity.
Women in business successfully use observation skills.
Women's success in communicating with employees have a positive impact is a better manager.
Woman's success in problem solving, as an administrator makes men more successful.
As well as private lives of women are in business with a clear strategy.
Women are better than men at work can be playful and fun.

The secret to success is the right career path and manage a very detailed way. Connect the network correctly. Women learn a lot from this point early. Women, data connections are emotional. Men will contribute to the success of their own people, adding to the list. Find the right mind will support you in your career professors. Undertake work that is right for you. Last but definitely home-family life, your children properly manage.

We know the differences give rise to well-managed better business results. Female members of the management boards of companies creating successful diversity, more independent, more innovative, more and more high-performance enterprise's feels at home. It was said by a Compabiano who is Catalyst's President of information and which is an organization that focuses on the advancement of women in business. 500 world's largest companies only 15 of them have a female CEO. 485 big companies have male administration. So women CEOs rate of 3 per cent over the world when we returned to Turkey, this rate is much lower. There is a comprehensive research, but experts say that the level of 1 to 1.5 percent of women CEOs.
However, this table "top management" as a broader framework for the analysis in favor of Turkey's going on. It is estimated that more striking figures.[6]

World Economic Forum's "Corporate Gender Gate" (Business World Global Gender Inequality) According to the report, Turkey proportion of women in top management ranks second after Finland's level and in Turkey percent of 12 %. In Finland is 13 %. The ratio of female senior managers in companies is higher than holdings. More pronounced dominance of female managers in corporate and global companies in particular. Rate of senior women managers, Turkey is gaining intensity in the range of 15-30 %. Number of women managers in Turkey increased by 6 percent last year, accounting for 31 percent of the managers formed part of the women. Turkey is compared to the European Union (EU) countries also worse. At the level of the EU's 24 percent female managers.[7]

The World Bank (WB) is an international website; "more women in the Turkish establishments" published an article titled. 12 percent of all CEOs in Turkey, one-fourth of the total workforce are women, only the article, "Turkey is the 16th largest economy in the world, but only a quarter of women working outside the home," the statement said. Only 24 % are of Turkish women working. This low rate of Turkish society, the economy is affecting everything from family life. Turkey is the world's 16th largest economy only one-quarter of women working outside the home. The majority of these also have low-paid jobs such as farm work and textiles. Culture of poverty due to the low rate of life until the Turks, but also affect the life.[8]

Turkey is close to closing the gap between boys and girls in primary education, higher levels of education also increased the possibility of working women, indicating continued: "The numbers support this. Primary education, 70 percent of the men and women in the labor force is only 22 percent. The figure rises to 71 per cent of university-educated women dramatically. However, the family and the culture face stiff resistance. Accessible child care (nursery, etc.) and the absence of family support, many women remain outside the labor force. Immediately after the occurrence of high employment rates for women in the university get married and have a child after the fall.[9]

India, Germany and Japan, the employment of women managers in countries that share the last three places. There is big difference between Japan and other Far East countries. With 39 per cent in some Far Eastern countries such as Thailand and the Philippines ranks in the top of the list, while almost no women in management does not want Japan to 5 percent. According to the ruling rate of women managers in Japan, 2011 shows a decrease of 3 percentage points.[10]

Women in Turkey are part of most financial management, sales, human resources and marketing Managers take part in missions. Companies participating in the survey in Turkey, with more than 34 per cent of female executives finance departments are working titles, such as chief executive or finance director. Then the director of sales units with 21 percent, 16 percent and 14 percent with the human resources department and the marketing department are manager. 9 per cent of those who served as Chairman of the Board of Directors.

Women can do because when you look history we could see the difficulties for every women all the country. Some of them they could get their promotion, some of them they could not get same salary with men and some of them were fired from job and it was only reason they are women. People cannot choose their gender so when you do something you should judge people their ability, access and own capacity. Gender cannot be problem and we cannot say anything against it. See the positive way that in Turkey and all over the world successful business women and their achievement.

---

[1] http://www.indexmundi.com/world/demographics_profile.html

[2] Aklar N. Women and Work Life for Women in the Public Sector in Turkey

Discrimination. Friedrich-Naumann Foundation and the Association for Liberal Thinking Publication, Ankara, 1996: 17-32.

[3] Kocacık F, Gökkaya V. Problems of Working Women in Turkey. CU Journal of Economics and Administrative Sciences. 2005, 6: 1-195

[4] UN HS, (2011), Turkey Country Report, Ankara, Turkey.

[5] World Bank, (2012), Turkey: Women in Development, A World Bank Country Study, Washington D.C.

[6] http://money.cnn.com/galleries/2012/fortune/1204/gallery.500-women-ceos-on-the-glass-ceiling.fortune/index.html

[7] http://www3.weforum.org/docs/WEF_GenderGap_Report_2012.pdf

[8] http://www.worldbank.org/

[9] ILO (International Labour Office) (1991), The Dilemma of the Informal Sector, Report to the 78th Sessi-

on of the International Labour Conference, Geneva

[10] Onaran, …., (2000), "Labour Market Flexibility During Structural Adjustment in Turkey", Üstanbul Techni-

cal University, Faculty of Management, Discussion Papers in Management Engineering: 00/1

Iuvenes Bank Business Plan

Iuvenes Bank

Business Plan

''Change for young people''
We provide YOUth banking

11 December 2012
www.iuvenesbank.com

The Content of a Business

Cover Sheet

Table of Contents

Executive Summary

Part 1: General Company Description

Part 2: Products and Services

Part 3: Marketing Plan

Part 4: Management and Organization

Executive Summary

Young people population is going to increase in Turkey. At the same time there are so many new universities have been established. Iuvenes Bank (IB) is the leading commercial bank in Istanbul and aim young people. Our young description starts 18 until 26. Our main target customer is university students. Who is an undergraduate, graduate, Master or PhD students. Main proposes is university students. We provide education loan, credit card for university student and account for their savings. Our head office will be in Beşiktaş. Because in İstanbul the highest young population in this county. Our branches will be high population universities campus and high young population district. We want provide two main headlines. First one is credit card for young people it will be with discount, low interest, delay of payment and no charge for credit card usage fee. Second one is education loan. It is weakness point in Turkey but we want to provide it like United States of America’s education loan. We want every young could go university. Because 21^st century you should graduate at least undergraduate so if you cannot get any scholarship from private university we provide with low interest your credit. If you want to go abroad for undergraduate, master or PhD we also provide it. Iuvenes Bank wants profit but at the same time we want social responsibility for young people who is our future manager. Our employee will be two parts. One group who graduated school and the other they are already student but they can come 2 days per week and earn money. When young people work it means effective and efficient work force. Financial freedom and be able to decide on its own, we mean take the responsibility and privileges. Marketing will word of mouth marketing and bank will agreement and branches are in university campus.

Part I: General Bank Description

Our mission is providing products and services according to the needs and expectations of young.
 Our Vision is Iuvenes Bank (IB) with the awareness of being a strong brand, customers and creating shareholder value, profitable, efficient, social responsibility and young customer-oriented products and services.
Iuvenes Bank’s target customer is young people. We have two fundamentals. One is credit card and second one is educational loan. We want to provide ‘’ Younker Card’’. Second is education loan. Business Philosophy will be profit and cheap service for young people. We will take care young people it is our social responsibility.
Share holders are 3 people. First one is Anıl Sural. Second one is Aslı Bozkurt.
Last one is Suat Teker who has academic and professional experience. He graduated from İstanbul Technical University, Management Engineering in 1986. He has been US. Professor Suat Teker has 2 master degrees one is University of Toledo from Account in 1989 and second is Economy University of New Orleans in 1992. And He has PhD Degree from University of New Orleans Finance in 1994. He has been academic staff in Okan University since 2006.

Part II: Products and Services
Iuvenes Bank (IB) have two fundamental products. One is credit card and second one is educational loan. We want to provide ‘’ Younker Card’’. It is special credit card for young people. Our bank wills agreements with fast food restaurants, textile and accessories companies, cinema etc. So they can have campaign and discount. Every week our discount ratio and firms might change. If you use Akbil it is Smart Ticker or HGS Quick Switch System, it will be our ‘’Younker Card’’ too. You can deferral your payment every 3 months. Second is education loan. We want every young could go university. If you cannot get any scholarship from private university we provide with low interest for you. And our funds for who want to go abroad for study Iuvenes Bank (IB) give for low interest but we have one reason when you come back from abroad you should work our bank. If you studied 2 years you should work our bank 4 years. We will pay your salary and it is good your career path.
Target customers are young people especially who will be university or who is studying at university. We will start with 10 branches in İstanbul. These will be Beşiktaş , Kadıköy, Taksim, Bakırköy, Boğaziçi Unversity, İstanbul University, Okan University, İstanbul Technical University, Marmara University, Koç University. 3 branches are in Ankara. These will be Kızılay, Bilkent University and Ankara University. 2 will be in İzmir. One will be Konak and other will be Ege University. And lost branches will be Eskişehir at Anadolu University. So we are going to open with 16 branches in Turkey. Every branch will do lottery every month and we will give I-phone 5 lucky young. Our advantage there is no bank for young. Commercial banks have a branch and campaigns for young but it is not as large as us.
Our disadvantage we are new and we should invest money and do many agreements with companies for discount. We will establish strong IT department because internet banking will be main purpose. We do not open sp many braches because young people can use internet easily and when they use and do it their staff there we do not pay branch rent, bills and employee salary. When the use internet they can transfer their money to other account with our bank it will be free. Call center will be and we are going open in the university because student can work there for part time. Iuvenes Bank ATMs in Istanbul, Ankara, Izmir, Bursa, Eskişehir and Antalya, the point where branches 7days / you can trade 24 hours a day. We will do in Optimum Outlet at Asia side, Cevahir at Europe side these two shopping malls are busy with young population. Our total Atms will be 21. You may also reach the money to your account with debit cards, credit cards and credit card debt can deposit cash. Turkish lira bank card accounts can be found at any time and safely. You can deposit and withdraw money from your account you can execute TL demand. Some of the services you can get with Fibabanka ATMs are as follows: Withdrawals from the account, Rapid withdrawal, Balance analysis, Demand deposit account deposit envelope of money and checks, Demand deposit account statement-making,TL transfer from your account to another account of demand-making, Demand for Checkbook.

Part III: Marketing Plan

Turkey compared to the countries of the European Union with a population that is very young, considering the importance of an effective youth policy in our country is increasing.
16.8% of the young population in the total population. Also there are many states and private university has established. Iuvenes Bank (IB) focuses young people. According to the report of the Bank Association of Turkey; 48 banks are operating in Turkey in 2012. Commercial Banks are 31, development and investment banks are 13 and participation banks 4. All of the banks have 9.841 branches in Turkey. Total number of employees in the sector is 181 277. Total Assets are 1.263.799.152 Turkish Lira in 2012 till November. It is very good ratio for 48 banks and we would like to start with 34,756,282 in the sector. We will start with 16 branches and then we could increase it but our main purpose internet banking. Young population is important for us so young people traffic will be base on branches. Most of the young people spend in Beşiktaş, Kadıköy, Taksim and Bakırköy so we will open branches there. Also we want open in the university İstanbul University is the highest young potential for us. Ankara, İzmir and Eskişehir are also busy for university student or candidate for collage. The other cities these young people can use internet and connect us. We will have an agreement with school and we provide student university ID card and other face young people can use Iuvenes Bank (IB) ‘’ Younker Card’’.  We will provide education loans in addition we would like to give scholarship for university students. On the other hand university student can work for part time job our company. Iuvenes Bank (IB) will provide two strong products. Younker Credit Card and Education Loans. We are really good. Our weakness that it will be low ratio for Treasury Bill, Common Stocks etc. Our service and quality will fit for students. Pricing strategy other bank cannot orientating our price. Expertise will be in few years but reputation will be high for students. Location will be highest young people area and some of the university’s campus. So it is direct customer. We shall not open so many branches we would like to do with internet banking. Advertising strategy will be cheap. Because they will record their video and it will enlarge via social media.

Part IV: Management and Organization

We have professional support the important for banking sector. These are Akın Öngör, Hakan Ateş and Süleyman Sözen . In addition we have academic support they have same certification which is important for banking. Our academic advisors are Prof. Dilek Teker, Prof. Osman Altuğ and Prof. Hurşit Güneş.
Human Resources strategy:  Iuvenes Bank (IB) approach to human resources is the basis of the principle of investing in people. Developments in the awareness that all young and creative minds behind the human resources Iuvenes Bank continuously recruit, train and develop employees demonstrate their ability to provide environments, provide opportunities, and rewarding to see the success of the entire system is the basic building blocks.
We would like to work with young people. 2 kinds of people we want to work. First type is they have an experience and management ability. And second type is part time workers university student they can work 2 or 3 days per week. We will hire Business, Economy, International Relations, Public Relations, Management, Computer and Industrial Engineering students. First year we will hire 120 employee and our project first year 40, second year 60, third year 80 and fifth year 100 workers we will hire.
Our responsibility is young people. Iuvenes Bank (IB) would like to provide cheap banking for them maximum profit for us and our social responsibility provide job for university or master students and graduated. Because recently years there are so many new graduated and qualification but they cannot find job. Our aim experience and teach some management and banking ability. On the other hand we believe our bank and we will cooperate with Republic of Turkey, Central Bank, Capital Markets Board. For our students we will do agreements with other companies it is good they can increase their sales and our young friend can benefits from it.  

Turkish Agricultural Economics

Turkish Agricultural Economics written by Anıl Sural in Italy, Trieste for Agricultural Eonomics Class.
Review for Proffessor Cosmina who is member of University of Trieste.

Today, nearly 1/3  rd of the population live in agricultural or rural areas. Agriculture’s place in the national income is only at the 8 – 10 % percent level.  In developed countries this situation is much more different, the population’s 3 – 5 %  percent part works in agriculture. During the process of The European Union membership, agriculture and industry’s political policies need to be applied in harmony and in Turkey, agriculture’s problems can be solved with only excessive accumulation and investment. The disintegration seen in the agricultural sector, causes unqualified labor force to head towards cities and especially western cities and this process accelerates social problems as well as the unemployment rate.  

Agriculture is one of the basic sectors Turkish economy. Although the contribution of exports in terms  added value and employment. The labor force and provides are living for the population of our country occupies an important position in terms of volume. Agricultural policies implemented in Turkey, it has been widely discussed over the past decade. "Economic denounces the traditional agricultural policies and political events that are open to abuse is no longer lost" jurisdiction, creating a common denominator of the discussions, recommendations for new policies are different.

Agricultural policies, it creates one of the most important constraints that appear in front of policy makers in the public finance deficit. On the other hand, and largely dominated by political concerns of the 1990s turned into duty losses of agricultural support programs fostering public financing deficits.
However, without financial constraints, a common and continuous government support to the agricultural sector of the market mechanism insensitive, competitive conditions and prevent the formation of agricultural holdings should be noted that an effective and powerful. Outward-oriented growth strategy since the early 1980s in Turkey, creating the international policies and developments in agricultural policies can not be considered to remain indifferent. In a world that has the economic globalization process, these developments, as required to be reckoned with at every stage becomes a constraint.

Related to the agricultural sector as the most important development in recent years in the world, which comes into effect in 1995. The World Trade Organization (WTO) "Agriculture Agreement" . This agreement is also important for Turkey, agricultural policies and support for government intervention in agricultural production are minimized as possible and has adopted as a general trend of change in the release of the orientation of the market mechanism. On the other hand, the European Union (EU) implemented in 1996 within the framework of full membership in the Customs Union (GB) Agreement to cover agricultural products, the Turkish agricultural policies, "the Common Agricultural Policy" (CAP) is consistent with. CAP’s compliance, in fact, the WTO, "Agriculture Agreement" with the policy changes to raise the same direction. These two constraints in most developing countries like Turkey, which appeared outside the external constraint in the other, establishing a framework for agricultural liberalization in the International Monetary Fund (IMF) and the structural adjustment programs signed.


Economic size of agricultural production in Turkey

4 million to 18 million hectares of farm land is in crop production. This is the number of farms in three million to 12 million hectares of meadows and pasture at the same time 15 million cattle, 60 million small ruminants feeds. 92 percent of the producers are very small producers, they have an average total of 65 acres of agricultural land in parts 2-6. Small businesses all over the classical method and yield of 14 million hectares of land has low agricultural operations.

The number of medium-sized agricultural holdings is 680 thousand units, the sum of their average 500-100 acres of agricultural land in parts 2-3 / acre varies. 2.1 million hectares, is operated on the part of modern agriculture.  Up to 40 thousand is a large number of holdings of 2.2 million hectares of land is on the efficient management of a farm.
U.S. and EU agricultural producers of the country, 2.5 times the size of the land to produce agricultural products, animal feeds, and Turkey to more than twice the presence of animals.

Exports of Turkish Agricultural Products

Mainly exported to Turkey markets, the appropriate species / breeds does not make production. Countries' agricultural export markets, the basic measure of a leader "by producing more than 20 percent of the population need to export the product that they caught the target.
Measure of exports  agricultural products produced in the standard one-fifth of the quantity and quality is protected.
2 percent of the cereal crop is exported to Turkey. Market instead of being prescriptive, law-abiding country. Average of 50 countries that export fruit and vegetables in 60 countries, the focal point of the problem for Turkey, product quality and less quantity ratio.

Use of the soils in Turkey according to the intended use of the territory of our country is divided as follows:

Cultivated land is planted area: 174,480,000 acres
Fallow land: 36,551,000 acres
Forestry: 192,376,000 acres
Bearing: 113,403,000 acres
Grassland: an unused area of ​​123,776,000 acres: 662,195,000 acres.

Surface area of ​​cultivated land by Region Plantation area Rates:

1. Marmara Region: 30%
2. Central Anatolia Region: 27%
3. Aegean Region: 24%
4. South Eastern Anatolia Region: 20%
5. Mediterranean Region: 18%
6. Black Sea Region: 16%
7. Eastern Anatolia Region: 10%


Overview of Agriculture Sector in Turkey

Turkey, its geographical location, climate, facilities, mostly young, on the 70 million population, increasing purchasing power and expanding domestic market due to a very advantageous position compared to many countries.

Local Benefits

- Geographically, the most suitable climate, a country with enough natural resources.
- Increasing population and buying power with the capacity to support the agricultural sector.

Foreign Market Advantage

- European countries are having problems of climate.
- Middle East and North Africa, climate and available water problem.
- Russia and the Turkic Republics in agriculture due to climate problems are just in need of foreign purchase.
- Increasing the purchasing power of oil every day throughout this country have.
- Especially in the emerging manufacturing technologies and the advantages of the climate of our country in many agricultural products year-round to produce the specific standards and has the potential to marketing these products.


Advantages of the product

- Overseas demand for economic production of many products that can be done in our country.
- Turkey is located in the world in the production of agricultural products grown a lot.

Impact of Economy  Agriculture in Turkey

Agricultural exports surpassed U.S. $ 15 billion at the end of 2010, but there is still a very big potential.

- The population is 1 / 3 of the third agricultural activities provide livelihood.
- One out of every 4 Employees working in agriculture.
- Agricultural production has exceeded the annual 62 billion dollars.
- The majority of uses of agricultural materials as raw materials in industrial plants in Turkey. This situation is of great importance in the development of the industry.
- Agricultural exports in total exports with 15 billion dollars has a significant share of 13.2%. Exports, nuts, citrus, cotton, tobacco, oil crops, olive and agricultural products like tea occupies an important place.


The future of agriculture in Turkey

Ministry of Agriculture and Rural Affairs, agricultural production, $ 150 billion in 2023, provides for exports would be 30 billion dollars.

Ministry of Agriculture and Rural Affairs last 5 years, significant amounts of agricultural production increased, the agricultural production in 2002 of $ 23.7 billion by the year 2010 reached $ 62 billion announced. The Ministry is managing the development process on behalf of the plan concentrates on the control and recording systems. Easy integration of these systems are common uses of the technology production sectors. In other words, instead of the traditional methods of agricultural production, focuses on high-capacity models of agricultural production.

In these circumstances, and under cover of Dairy Cattle farming practices that will gain importance in the adaptation capability in the future. Both domestic production and exports of both agricultural activity will be a major force in increasing our share.

All of these applications and the development process will be an important criterion business size. Because of the high cost of these investments will bring. Capital structure of the available capacity of non-small businesses that are inevitable in the long term, non-system will inevitably fail to fulfill the conditions. As a result, agricultural, educated, informed, investors who take care of the economies of scale will be needed.

Target 2023 to 150 billion US Dollar of agricultural production!

- Quality standards will be important in agriculture and food security. For this reason, the capacity and quality will increase the number of businesses declined.
- Products able to compete in foreign markets will increase with the planned arrangements. Will be important, especially fresh fruits and vegetables.
- Organized livestock zones will be established.
- Contract production and organic agriculture will come to the fore.
- Research & Development ( R & D ) investments will increase its support of the State.
- The majority of investors in high-tech agricultural activities will be managed.