Wednesday, June 27, 2012

Challenges In Rural Marketing

Introduction

Our country is endowed with a good degree of ethnic and regional diversity. About three-fourth of the total population resides in the rural areas and majority of them are dependent upon agriculture for their subsistence. Agriculture contributes about 24.7% to the Gross Domestic Product (GDP) of the country. It also contributes about 13.1% to the total Indian exports. This sector provides employment to 58.4% of the country's workforce and livelihood to more than 650 million people. Despite this fact, the condition of these people has not shown any significant improvement.

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The development of the nation largely depends upon the development of the rural population. Mahatma Gandhi had once said: "India's way is not Europe's. India is not Calcutta and Bombay. India lives in her several hundreds of villages".

Challenges In Rural Marketing

Rural Market Potential

India is an agro-based economy and the growth of most of the other sectors of economy is driven by rural demand. Urban market is reaching towards the saturation point, thus bringing in and urgent need to focus on rural development. Moreover, more than 70% of India's population lives in villages and constitutions a big market for industry because of increasing disposal incomes and awareness level.

In comparison to just 5,161 towns in India there are 6,38,365 villages in India. This in itself is an indicator where the real India resides. Companies are realizing slowly but surely that the key to gain true market leadership lies in tapping the rural potential. However, the rural sector in India suffers from different kinds of problems. Some areas are having enough money but their level of awareness and hence consumerism is very low. But there are many areas where economic empowerment, education, health etc., are major problems.
What is rural marketing

While there is a large growth in the urban market, the rural or latent market is yet to be tapped, and has an enormous potential for growth. A rural market can be defined as any market that exists in a area where the population is less than 10, 000. The rural market in India is scattered and spread over a wide geographical area. Indian market is divided into urban and rural markets.

o Urban market is flooded with low demand.

o Rural market witnesses a high demand It's the rural segment of market that contributes more profit than its urban counterpart. Rural marketing broadly involves reaching customers, understanding their wants, supply of goods and services, and ultimately satisfying consumers, leading to more sales. The general impression is that only agricultural inputs like seeds, fertilizers, pesticides, cattle feed and agricultural machinery have a potential for growth in the rural market. However, there is a growing market for consumer goods now. It has been estimated the rural market is growing at the rate of five times its urban counterpart.

Challenges in Rural Marketing

Though rural markets are a huge attraction to marketers, it is not easy to enter the market and take a sizeable share of the market, in the short time due to the following reasons.

Low Literacy

There are not enough opportunities for education in rural areas. The literacy level is as low (36%) when compared to all- India average of 52%.

Seasonal Demand

Demand for goods in rural markets depends upon agricultural situation, as agriculture is the main source of income. Agriculture to a large extent depends upon monsoon and, therefore, the demand or buying capacity is not stable or regular.

Transportation

Many rural areas are not connected by rail transport. Kacha roads become unserviceable during the monsoon and interior villages get isolated.

Distribution

An effective distribution system requires village-level shopkeeper, Mandal/ Taluka- level wholesaler or preferred dealer, distributor or stockiest at district level and company-owned depot or consignment distribution at state level. The presence of too many tiers in the distribution system increases the cost of distribution.

Communication Problems

Facilities such as telephone, fax and telegram are rather poor in rural areas.

Traditional Life

Life in rural areas is still governed by customs and traditions and people do not easily adapt new practices. For example, even rich and educated class of farmers does not wear jeans or branded shoes.

Buying Decisions

Rural consumers are cautious in buying and decisions are slow and delayed. They like to give a trial and only after being personally satisfied, do they buy the product.

Media for Promotions

Television has made a great impact and large audience has been exposed to this medium. Radio reaches large population in rural areas at a relatively low cost. However, reach of formal media is low in rural households; therefore, the market has to undertake specific sales promotion activities in rural areas like participating in melas or fairs.

Career in Rural Market

While rural marketing offers a challenging career, a rural sales person should require certain qualifications and specialized talent.

Cultural Factors

Culture is a system of shared values, beliefs and perceptions that influence the behavior of consumers. There are different groups based on religion, caste, occupation, income, age, education and politics and each group exerts influence on the behavior of people in villages.

There is a belief among rural people that experience is more important than formal education and they respect salespersons who can offer practical solutions to their problems. Therefore, it is desirable that sales persons, especially those who have been brought up in cities are given a thorough training consisting of both theory and practical aspects of village life. The training will help these sales persons to align themselves with the market realities and settle down smoothly in their jobs.

Rural market has a tremendous potential that is yet to be tapped. A small increase in rural income, results in an exponential increase in buying power.

Future Trends

Markets which are not able to face the stiff competition posed by MNCs, can restore their profits in the rural sector. The market share of urban market when compared to the rural market is low, hence if Indian industries concentrate on rural markets their sales will increase. If rural markets are brought into the limelight of development, they pave way to prosperity. Prosperity of India lies in the prosperity of every Indian, hence no rural segment should be left untapped.

Challenges In Rural Marketing

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Saturday, June 23, 2012

Stuttering in 2-Year-Olds: How Parents Can Help

Stuttering in 2-year-olds is not uncommon. This speech impediment typically begins between the ages of two and four or around the time when children start to speak in short phrases. Children who experience stuttering know what they want to say but have difficulty saying the words clearly and fluently. As a parent, there are many ways by which you can help your child while he is going through this condition.

Be patient. Concentrate on what your child is saying, not how it is said. Remember that the message is more important than the stuttering. Maintain eye contact when your child is struggling with his words. Don't interrupt and don't try to finish his sentences because he will only get more frustrated.

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Be supportive. Respond to the condition as you would to any other difficulty your child is going through. Don't criticize and don't automatically correct him every time he stutters. Encourage him when he gets frustrated.

Stuttering in 2-Year-Olds: How Parents Can Help

After your child has spoken, repeat what he said in a slow and unhurried manner, using some of his own words. For example, if he said, "I w-w-w-want to go h-h-home", you can gently reply, "Oh, you want to go home? Okay, we will go home now." Use short and simple sentences when speaking to your child.

If you notice that you speak quite fast, slow down. Pause before responding. Ask a question at a time and give your child ample time to answer.

Every day for an hour or so, step away from your hectic lifestyle and give your child your full attention. Spend some quality time with him in a relaxed environment. Play, read, or simply talk to each other. Take measures to lessen or eliminate stresses from your toddler's life. Stuttering in 2-year-olds is aggravated by a rushed lifestyle. Make sure that your child follows a daily routine and that he eats a well-balanced diet and gets enough sleep.

Stuttering in 2-year-olds is sometimes not really stuttering. At this age, kids have so much to say that their limited vocabulary will not allow them to. Parents may confuse this inability or difficulty in verbal expression for stuttering; however, this awkward groping for words is a completely natural phase in a child's development. To their relief, parents usually find that what they thought was stuttering in 2-year-olds is merely a stage in the learning of good language skills. If this is the case, you can expect your child to show improvement in fluency within the next few months. Around 80 percent of kids who begin to "stutter" eventually stop.

However, if your child is diagnosed with stuttering, don't lose hope. It is more likely that stuttering in 2-year-olds will gradually disappear than turn into a chronic problem. If you're a parent dealing with stuttering in your toddler, follow the advice given above and consult a speech pathologist.

Stuttering in 2-Year-Olds: How Parents Can Help

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Tuesday, June 19, 2012

Functional Illiteracy: A Debilitating Deficiency With 7 Common Traits

In this day and age, we should not be having a conversation about the alarming illiteracy rates among adults in the United States of America. Why is this pattern of functional illiteracy becoming an apparent norm among many adults? We should be extremely concerned about the basic reading aptitude plaguing a significant amount of adults, just as much as we are about our children. Literacy is the ability to read and write proficiently and understandably. Functional illiteracy is a person's inability or insufficiency to perform practical, everyday tasks that require basic reading, writing and math skills. Those who fall in this category try to avoid reading and writing as much as possible.

Adults are supposed to be the leaders who inspire greatness for the next generation and not the other way around. In some situations however, we find that children are using their thinking, compassion and rationalization skills more and better than some adults are.

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According to the National Center for Educational Statistics (NCES), approximately 22% of American adults function with minimal literacy skills. Over half of this group did not complete their education through high school. Many are immigrants or experience some type of physical, mental or psychological difficulty. Yet, we must ask what the excuse is for adults, age eighteen and over, who do not suffer from major disabilities or have legitimate reasons for falling into that functional illiteracy category? How do we teach our children to embrace constructive learning principles, moral responsibility, literacy competitiveness and growth development for the future, if we do not practice them ourselves?

Functional Illiteracy: A Debilitating Deficiency With 7 Common Traits

Those who possess functional illiteracy could have some of the following traits in common:

1. Find it hard to fill out simple applications and forms.
2. Have difficulty following written instructions.
3. Be unable to plausibly communicate orally or in a written format.
4. Suffer deadly consequences as a result of not being able to follow life-saving medicinal instructions as prescribed by their doctor and could experience elevated health risks.
5. Be incapable of effectively communicating through modern technology.
6. Be linked with certain crimes and criminal patterns of behavior, according to some sociologists and criminal behavioral analysts.
7. Have fewer employment choices and higher substandard wages.

In a nation where we have a myriad of good educational resources, we should not be having a conversation about our alarming functional illiteracy rates, simply because we are not utilizing these resources prudently. Illiteracy, regardless of what form or function it is in, should not be a norm that we must simply accept and become comfortable with.

Functional Illiteracy: A Debilitating Deficiency With 7 Common Traits

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Thursday, June 14, 2012

One Easy Stuttering Exercise to Help You Stop Stuttering

If you are looking for an easy stuttering exercise to help stop your stuttering, this article can help. This exercise listed below will help counteract your stuttering, and can be practiced at your own pace, in the privacy of your own home.

Exercise #1
The majority of your stuttering comes from the stress you feel from stuttering. As you begin to stutter, stress builds, and you in turn stutter more.

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The easiest way to alleviate the stress of speaking is to hear yourself saying the words correctly. The more words you can string together without stuttering the easier it will be to continue to speak without stuttering as your confidence grows.

One Easy Stuttering Exercise to Help You Stop Stuttering

In this exercise you will concentrate on saying each word of a sentence slowly (as slowly as possible without stuttering), and rhythmically. Take a book and read the words out loud, slow and steady until you can repeat sentences without a stutter. Don't worry if you have to go very slow at first, as you improve you can speed up. The goal is to say the words without a stutter at a constant pace.

Time yourself for 1 minute and see how many words you can get through without stuttering. Set a realistic goal for yourself to read "X" number of words in the one minute time frame without a stutter. Practice daily, and continue to work towards your goal.

You'll find that over time you'll be able to read out loud for one minute without a stutter, and then you'll begin to speak faster, reading more words, during that same time frame. With practice this is one of the best ways to speak more confidently and increase your fluidity.

One Easy Stuttering Exercise to Help You Stop Stuttering

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Sunday, June 10, 2012

Lisps in Children: When to Start Lisp Speech Therapy

Although lisps among young children are fairly common, this issue can still be a source of concern for many parents. The main fear is usually that the lisp will never go away, and that it will potentially become a source of ridicule for the child. This concern is valid; the unfortunate truth is that while society tends to find children with lisps endearing and cute, teenagers and adults who have not managed to get rid of their lisps are often teased and made fun of, and sometimes suffer from self-esteem issues related to their speech impediment.

Make sure to identify whether what your child has is indeed a lisp, or rather some other sort of phonological speech impairment. Lisping is defined as a misarticulation of the silibant /s/ and /z/ sounds, and may fall under the categories of interdental/frontal, dentalised, palatal, or lateral lisps, depending on the placement of the tongue and how the sound is produced. So, what is to be done if your child has a lisp? Many parents are uncertain as to when to start lisp speech therapy, or whether they should "wait it out" to see if the lisp goes away on its own.

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Firstly, it's important to take your child's age into consideration. It's not uncommon for some young children to lisp up until they are four and a half or five years old. This is because they are still mastering their articulation skills, and the silibant /s/ and /z/ sounds will often come out sounding either a little bit muffled, or like a /th/ sound. If your child is under the age of five and has a lisp, you could consider scheduling an assessment of your child's speech with a speech language pathologist, who would be able to determine whether treatment is necessary. However, if your child is already beyond kindergarten and still speaks with a lisp, then it's important to take action as early as possible, before the lisp becomes a deeply rooted habit that becomes harder to break. Lisps in children beyond the age of five are not considered part of normal speech progression.

Lisps in Children: When to Start Lisp Speech Therapy

Aside from your child's age, there are other factors that shouldn't be ignored, as they may contribute directly to your child's lisp. For example, a missing front tooth, a new retainer or set of braces, or an oral injury could be causing the lisp, in which case treatment may not be an immediate necessity. In the case of an oral deformity, however, it may be necessary for your child to have professional assistance.

Lastly, you should also evaluate whether there is a possible non-physical reason behind your child's lisp. Lisps in children have been known to form out of habit, from imitation of others, as a reaction to stress, or as a way to seek attention. Lisp speech therapy seeks to identify the source of the lisp, and arm your child with games, tools, exercises, and goals to eliminate the lisp over time.

Lisps in children are often identified early-on, usually by parents or teachers, and can be corrected with proper practice and treatment. The best thing that you can do as a parent is to become as informed as possible, and aid your child patiently and encouragingly so that they don't become sensitive, overwhelmed, or frustrated. Even if your child is well into elementary school, or is already a teenager, it's not too late to get them started. There are even grown adults who are completely successful in eliminating their lisps through lisp speech therapy and diligent hard work.

One of the best first steps you can take is to inform yourself further through a good lisp-stopping guide, and to help your child practice the basic exercises that will get them on the right path to proper pronunciation. If you do this early on, you may save yourself the need to pay for expensive professional lisp speech therapy sessions (which can cost between - per hour, over the course of several months to a year or more. There is also the cost of up to 0-0 for the initial assessment). An informative guide should only cost about as much a single session ( or less), and is a good stepping stone to aid you in helping your child. Remember, especially if your child is young, then you as the parent will have a very important role in motivating and encouraging your child, and keeping them on track so that they can be as successful as possible in eliminating their lisp altogether.

Lisps in Children: When to Start Lisp Speech Therapy

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Tuesday, June 5, 2012

Smart Talk About Debt With Practical Advice

We all should try to help consumers in all walks of life be smarter about managing their personal finances. Your message should be, good credit is almost as critical as good health.

Daniel Goldstone doesn't believe that credit cards are intrinsically evil. He does believe some consumers don't recognize the privilege - and responsibility - of spending borrowed money. His site gives consumers actionable information and access to helpful resources for creating and following a budget, selecting the right credit card, and maintaining good credit score.

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Teach the Children Well

Smart Talk About Debt With Practical Advice

For Goldstone, teaching young consumers about financial literacy is a core passion and in fact, the site springs from his belief that financial responsibility should be introduced early in life. He believes that society fails to prepare children for the real life situations where credit plays a major role.

To close the gap in understanding, we should try to use simple, clear language and real-life examples that bring this message about the costs of poor financial management home. You should start to learn the a vocabulary list of common terms used in financial transactions, without financial jargon and a question-and-answer online community for questions that consumers have but may be afraid to ask.

College students needs this debt support the most to help manage their money. Goldstone's advice to this next-generation of homebuyers, employees and parents: "Develop a budget, and keep a close track of what comes in and what goes out, the more thoroughly the better. It will pay off in many more ways than any spending spree."

Practical Advice for Troubled Consumers

You should look to find immediate steps for getting control over finances to find tips for speeding the time to paying off debt and how to engage with debtors. For anyone dealing with debt collectors, talk to them, specifically about willingness to pay; in many cases, the collectors are highly trained professionals who have specific skills in creating workable payment plans.

"There's nothing to be ashamed of if you are in debt," said Daniel Goldstone. "The most important thing is to learn from past experiences and commit to treating good credit as a precious resource."

Debt consumers should take the steps now to find basic tools and tips for understanding the role of credit in their lives, how to manage credit resources wisely and most importantly, what to do if they get into financial trouble

These are some of the steps to managing your personal finance:

o Determining how much credit is right for an individual

o Increasing monthly payments to pay off debt faster

o Managing calls from debt/bill collectors

o Dealing with bad credit ratings

Its time to start talking about debt, so that consumers can take control of their personal finances with the debt tip resources that are available online.

Smart Talk About Debt With Practical Advice

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Friday, June 1, 2012

How to Stop Stammering - 5 Fast Facts

If you have a stammering condition, and want to know how to stop stammering, it's best to consider first a few facts:

1. Stammering can affect almost anyone - In America alone, there are over 3 million people who stutter. But it doesn't matter where in the world you live, how safe your environment is, or what kind of family background you have. Stammering affects a great deal of people from all walks of life. However, it is often common in young children who are still learning to speak. And usually, these children are able to stop stuttering as they grow older. Only a small percentage of adults stutter (around 1%).

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2. Stammering affects a larger portion of males than females - approximately three to four times more. The reason for this is uncertain, but research is getting closer to finding out probable causes why this disability often hits men.

How to Stop Stammering - 5 Fast Facts

3. There is a tremendous progress in preventing stammering in children - this is due to the fact that the fields of genetics, child development, neurophysiology, and even family dynamics have come up with new research on the possible causes of stammering and how to stop it.

4. There is no instant cure for stammering - you're well likely to encounter a number of people who would offer a miracle cure for stammering, but quite frankly, the "cure" there usually consists of methods that require ongoing practice. And by definition, that is not a "cure", but... it definitely helps you manage your stuttering, even to a point where it is hardly noticeable at all.

5. There are many famous people who stammer but have achieved success and significance - Winston Churchill, Bill Walton, Marilyn Monroe, Bob Love, King George VI are just some of the big time persona who had to deal with stammering. You as an individual should not let stammering affect you, or determine the vocation and life that you will live. There are many individuals who have made a difference with their lives and have impacted society in a great way, even though they found it hard to stop their stuttering.

How to Stop Stammering - 5 Fast Facts

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