Snapple Juice Company Analysis

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Snapple Juice targets all the youths and young people. As far as market segmentation is concerned, Snapple juice targets the health conscious market segment (Snapple 16). The company brands and beverages target the youth and they have been doing well in this target market. All along, Snapple juice has continued to attract a good number of customers (Lee 13).

The end users of this product are health conscious consumers who want to have a new experience as far as juice and beverages are concerned. This can be explained from a wide range of products like carbonated and non-carbonated drinks (Snapple 26). Others like juices and juice drinks can also be used by these health conscious consumers.

One-on-one marketing and customer relationship marketing can enhance marketing in a broad way. Through one-on-one marketing, a customer can ask various questions that have been bothering him/her about the product. Customer relationship management enhances the relationship between customers and the company (Lee 18). This is good because the company will understand their needs without any problem. In the long run, these customers can end up as good ambassadors of the products.


Snapple juice drinks are marketed under the “Snapple 100%” brand name. The product has a wide range of brands that are specifically meant to suit different market tastes and preferences. Such brands include tea, juice drink, 100% juiced, water and diet.

The company has been discontinuing other flavors and brands in relation to changes in the market (Burros 21). Snapple juice drinks have a holiday themed packaging that resonates well with customers. It should be known that there are interesting numbered facts that have always been printed in caps.

Snapple juice has been a dominant market player because it has responded well to end-users needs. In this case, there are various buying factors that attract customers. Snapple juice has been considered as the official New York City beverage.

Critical buying factors have been the quality and features of the product (Lee 27). Customers buy the product because it is well packaged and branded. Another critical buying factor is the taste of the drinks and juice. The product offers a strong purchasing experience that has continued to attract customers.

It is undeniable that the product has unique and critical buying factors that have continually attracted customers but more needs to be done. This is based on the fact that there is a lot of competition in the market and the company needs to position itself well (Burros 25). Snapple juice should turn customer input into innovation for sustainability. Risky ideas and market approaches should be avoided. New tastes should be introduced to satisfy the ever demanding market.

The fruits and beverages industry has a unique product life cycle that changes as time goes by. There has been an argument that the industry has a product life cycle of 24 months. This is based on the way that the product will be received in the market. Snapple products are in the drinks and beverages category and the company has been a dominant player as time goes by (Lee 32). The company has a line of all natural juices that are occasionally reviewed in relation to current market tastes and preferences.

Snapple juice can be said to be in the maturity stage. This is because it is an established brand that has been in the market for a long time. As a matter of fact, Snapple juice is a household brand name in the juices and beverages industry and this is commendable. Because differentiation is common in this stage, the company has been coming up with new products like tea, lemonades and diet drinks to attract new customers (Lee 39). This has been done to make it relevant in the ever competitive market.

There is a lot of competition in the industry and the company has come up with a unique pricing approach for different brands. In extreme cases, it has reduced its prices because of high intensity in competition. Snapple juice is in the maturity stage because it has continually emphasized on product differentiation (Snapple 13). Distribution on the other hand has been intensive and incentives have been occasionally offered. This has been done to encourage preference over other competing products.

Snapple juice is well positioned in the market with an extended product line. An established product line has been behind the products success in the market. This has been the company’s competitive advantage because customers relate well with its brand (Snapple 34). In the long run, it has given it an edge over other companies especially in the introduction of new brands on its product line.


The unique selling preposition of Snapple juice is its large product line. As a matter of fact, the product is aimed at health conscious consumers and this has made it unique in the market (Snapple 22). Different flavors have been introduced in the market to suit diverse tastes and preferences.

There is a special distinction between Snapple juice and other juices because of its packaging and branding (Lee 19). In this case, the product stands out from the rest. Most of its brands are natural and this is why it has ended up with a unique selling preposition.

Currently, Snapple juice is a major market player based on its uniqueness. The company has revitalized its product image to respond to the latest market trends. A striking design and colors have ensured that the product can be recognized by customers everywhere (Snapple 12). The company can improve on its bottles in relation to the demands of different segments and target markets. Other aspects like tastes and flavors can be reviewed for sustainability.

Works Cited

Burros, Marian. The Snapple Deal: How Sweet It Is. New York: Penguin, 2003. Print.

Lee, Jennifer. Reading the Tea Leaves, Snapple Refreshes Itself. New York: New York Times, 2009. Print

Snapple. . 2011. Web.


Wal-Mart Company Controversy

The articles under consideration dwell upon one of the major retail chains, Wal-Mart. One of the articles is entitled “ROB Ranks Wal-Mart among Canada’s Best Employers” (, 2008). The article highlights the success of Wal-Mart Canada which is among 50 best employers in this country. The author uses several approaches.

The major approach used is teleological. This approach presupposes focus on the final goals and outcomes of the action (McLachlan, 2008). The article dwells upon positive effects the retailer has on the Canadian society.

Thus, the author notes that “Wal-Mart has taken many steps to promote diversity and equal opportunity within its organization and… it has maintained one of the lowest staff turnover rates in the Canadian retail undustry” (, 2008, p. 287). Another passage that confirms the reliance on the teleological approach is as follows: “This year, our number-one corporate goal has been to become Canada’s favorite place to work” (as cited in, 2008, p. 287).

One more approach used in the article is virtue ethics. The article reveals the company’s ‘virtues’. It says that the “company works hard to attract, train, support, and retain the best people we can” (as cited in, 2008, p. 287). This remark depicts the best side of an employer who cares about its staff.

As far as the other article is concerned, it focuses on negative sides of the retailer and it is entitled “The Costs of ‘Walmartization’” (Ribeiro, 2008). The author uses similar approaches. In the first place, teleological approach is used. The author focuses on the impact the retailer has on the society.

For instance, Ribeiro (2008, p. 288) states that buying “today at Wal-Mart may mean losing one’s own job or contributing to the loss of somebody else’s in your family or community sometime down the line”. Another phrase that verifies the use of this approach is as follows: “The effect, nevertheless, is the same: the concentration of control and power in fewer and fewer hands” (Ribeiro, 2008, p. 289).

The author also utilizes a virtue ethics approach as it reveals inappropriate actions of the retailer, which in their turn negatively characterize Wal-Mart: “As if it was not enough to be such an economic power… Wal-Mart is beginning… to utilize new technologies to obtain information over people’s buying patterns” (Ribeiro, 2008, p. 290). Finally, the author also resorts to an absolutist approach. This approach presupposes that there can be no exceptions (McLachlan, 2008). The use of this approach is manifested in the following phrase: “these monopolies are of course intent on increasing their control” (Ribeiro, 2008, p. 288).

It is important to note that the two articles are quite different. Of course, it is not only about the different positions of the authors. The ‘styles’ are quite different. Thus, the first article depicts only the positive side of the matter. It is only about the success of the company which creates working places. There is nothing about numerous lawsuits and abuses of the one of the largest retail chains.

On the contrary, the article by Ribeiro (2008) notes some positive or, at least neutral facts, while focusing on negative effects. Ribeiro (2008) provides specific facts concerning the retailer. The author also notes that Wal-Mart is not the only villain in the business world. This makes the article more credible. The first article sounds like a kind of advertisement, whereas the second one is more like a critical overview of some practices which characterize Wal-Mart in a particular way.

One more point in favor of the second article is that it provides more specific facts and numbers. Again, this makes the article by Ribeiro (2008) more credible and more informative. The reader does not have to simply rely on the author’s words, but the author’s opinion is backed up by certain information.

It is necessary to state that the second article slightly changed my attitude towards Wal-Mart (as well as other giant retailers). I have shopped at these chains because it is convenient: one can buy everything without long search across the city. Of course, I have heard about numerous violations of the retailer. For instance, Mui (2012) reports about the cases when the retailer did not pay appropriate salaries to its staff. The reporter mentions really striking facts about the dark side of the retailer that, apparently, sees exploitation as a norm. Aridjis (2012) focuses on illegal operations (bribery) of the giant retail chain.

However, these facts do not have the same impact as the article by Ribeiro (2008) has. The author provides insights into the controversy concerning retail chains. The total control over people is the central theme of the article. One does not think that buying at Wal-Mart negatively affects smaller retailers and other businesses. One does not think that when shopping at Wal-Mart, he/she contributes to some kind of exploitation. Finally, the idea of specific chips in every product is simply disgraceful. I hate being marked (at least without my permission). I will definitely try to stop shopping at Wal-Mart (as well as other huge retail chains).

Reference List

Aridjis, H. (2012). The Sun, the Moon and Walmart. The New York Times, p. A25. (2008). ROB ranks Wal-Mart among Canada’s best employers. In J.A. McLachlan (Ed.), The right choice: Making ethical decisions on the job (pp. 287-288). Toronto: Pearson Education Canada.

McLachlan, J.A. (2008). The right choice: Making ethical decisions on the job. Toronto: Pearson Education Canada.

Mui, Y.Q. (2012). . The New York Times.

Ribeiro, S. (2008). The costs of ‘Walmartization.’ In J.A. McLachlan (Ed.), The right choice: Making ethical decisions on the job (pp. 288-290). Toronto: Pearson Education Canada.


Why the DREAM Act Is Beneficial for Americans?

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The DREAM Act has sparked off a heated debate on whether illegal immigrants’ children can have the right to obtain higher education in the USA and, basically, obtain a legal status. There are many opponents to the Act. These people state that the enactment of the DREAM Act will negatively affect the US economy (“A Dream Act without the Dream” n.p.).

Many people claim that these ‘illegal’ residents will deprive Americans of the opportunity to obtain higher education and, as a result, deprive Americans of the opportunity to get well-paid jobs. However, these arguments are rather weak as they are not supported by facts or even common sense. On the contrary, proponents of the Act provide a lot of arguments verifying the fact that it is beneficial for Americans due to economic, cultural and moral factors.

Economic Issues

Admittedly, many people are focused on economic side of the problem. In the first place, some claim that ‘illegal’ residents will simply deprive young Americans of the opportunity to obtain higher education, which can negatively affect quality of education in the long run. Nonetheless, the DREAM Act will make education more competitive.

Admittedly, only really bright and committed students will be enrolled to colleges and universities. Therefore, quality of American education will increase. On the other hand, it is beneficial for the US economy to give these young people an opportunity to become skilled workers (Zota 50). It is necessary to note that any economy needs the balance between skilled and unskilled work force as the abundance of unskilled workers can lead to serious financial constraints and stagnation of economy.

Moral Issues

However, apart from economic issues, it is crucial to take into account cultural and moral component of the issue. In the first place, it is important to bear in mind that the DREAM Act concerns people who came to the United States at the age of 2-5 years old. Admittedly, this was not these people’s decision to come to the country as their parents made the decision.

Therefore, these young aspiring residents should not be deprived of their right to serve their country (Brown n.p.). It is indeed their country as they are raised in the USA. They have lived almost all their young lives in the country sharing Americans’ values and aspirations. Admittedly, it is simply immoral to send those young people to countries they do not really know (Klein n.p.).

The American Dream

Another important moral and cultural issue consists in the major value of Americans. The DREAM Act is all about the American dream. Opponents of the Act have forgotten that they are also descendants of immigrants who had come to start a better new life decades (or centuries) ago. It is possible to put an eligible question to those opposing the Act. Why were immigrants welcome years ago? Why immigrants’ descendants try to prevent other people from starting a new better life?


It is necessary to note that the DREAM Act is undoubtedly a beneficial act for Americans. It helps illegal immigrants’ children obtain higher education (or start military service) to help their country prosper. There can be no doubt that the USA is their country as they do cherish American values.

Some may still be afraid of financial constraints associated with the Act enactment. However, the Act will only lead to prosperity of Americans. Finally, the DREAM Act will become a proof that the major American value, i.e. the American Dream, is not just a bright future for the chosen.

Works Cited

“.” Editorial. The New York Times. 2012.

Brown, Anthony G. “” The Washington Post. 2012.

Klein, Ezra. “The Kids behind the DREAM Act.” The Washington Post. 2012.

Zota, Sejal.“Unauthorized Immigrants’ Access to Higher Education: Fifty States, Different Directions.” Popular Government. 2009.


Table of Contents

History of Dubai

The economy was initially based on pearl-fishing until oil was discovered about 50 years ago. The economy became heavily reliant on oil that was discovered in various islands, and given the ready market in the world, the country’s economy was boosted. However, this did not last forever. About 20 years ago, the country faced a serious economic shock that threatened to derail its economy. This was caused by the dwindling oil reserves, which were the only pillar of the economy. This incident made the government realize that there was a need to diversify its economy. It transformed it into a free-trade oasis as a way of attracting investors to various sectors of the economy. The country turned to the retail, manufacturing, and information technology industries to boot its economy. The new focus of Dubai is currently the tourism industry (Al-Amine 57). The government has been developing infrastructure in order to promote tourism in this city.

Jebel Ali Free Zone

Jebel Ali Free Zone is a free economic zone in Western Dubai that was established in 1985 as a way of promoting trade within the city of Dubai. The main competitive advantage of JAFZA in Dubai as a trading center is that the government of Dubai has eliminated or reduced tax for the players in this region, something that is not common in any other part of the world. Business entities in this region also enjoy security, good infrastructure in transport and communication, and cordial relationship with government officials, making it attractive to foreign investors. This is the reason why companies are choosing JAFZA in Dubai as their preferred business hub. However, it is important to note that operating in the free zone has the disadvantage of stiff competition as many players will be attracted to it.

The government of Dubai is planning to expand JAFZA to be a major industrial zone in this city in the coming years. JAFZA makes its money majorly from the services offered to business entities in this region (Abdul-Rahman 28). The transport and communication sector is majorly dominated by the government. This model, where the government becomes an active player and not just a mere regulator, is very suitable because it opens more income avenues for the government. JAFZA faces stiff competition from the regional free economic zones such as JLT Free Zone and Dubai Silicon Oasis.

Al Hilal Islamic Bank

Al Hilal Islamic Bank is a large government-owned Islamic bank in UAE. Just like the Sharjah Islamic Bank, this bank offers Islamic banking products to its clients. They both offer personal, corporate, and investment services to their clients. However, the main difference between the two firms is that while Al Hilal Islamic Bank has wholesale banking services, Sharjah Islamic banking does not offer such services. The Islamic banking system has been able to withstand the recent economic meltdown that affected many industries because of the nature of its income. During the economic meltdown, the number of people borrowing from the banks was reduced. Traditional banks rely majorly on the profits earned out of these borrowings, which means that they were affected by the meltdown. However, this does not form the basis of the income of Islamic banks. Some of their main sources of income, such as the foreign exchange, were not heavily affected during this period in the Middle East.

Islamic banking should explore the markets in Canada and Europe because of the increasing number of Muslims in these regions. They have a special niche in these two regions that are not exploited by other firms. In Europe, Samba Financial Group and the Islamic Bank of Britain are the major players in this industry. In North America, the American Finance House LARIBA is the main player in this industry (Kettell 117).

These financial institutions are not able to satisfy the needs of Islamic banking products in these regions, which means that there is room for more of such organizations. Some of the main challenges that the Islamic financial institutions in North American and Europe face are the misconception that Islam is associated with terrorism. These banks have met harsh environments in these regions, and are always shunned by non-Muslims who are the majority in North America and Europe. More challenges lie ahead, especially as financial institutions struggle to expand their sources of income. Given that the system does not allow charging of interests on loans, these banks may have to come up with new means of earning some income if they expect to remain competitive in the market. This may be the right time to establish an Islamic financial institution in Canada because of the growing population of Muslims in this country.

In a contemporary Islamic banking system, profits are not earned by charging interest. The banks earn their profits by sharing the profits that borrowers make out of their investment using a predetermined formula. This means that if a borrower gets money from the bank, the bank will see its operations, and after a set period of time, the borrower will give a fraction of the profits to the bank. These institutions also charge some service fees on withdrawals.

According to El-Gamal (56), the 2008 economic recession was caused by the United States Housing Bubble that reached its peak in December 2008. People borrowed a lot of money to buy homes at high prices, only for the price to fall tremendously in 2008. Some new homeowners preferred forfeiting their collaterals instead of paying the loans, a fact that seriously affected the financial institutions in the country. In the Sponsorship Model in the United Arab Emirates, the government is the ultimate guarantor for the loans taken by its citizens. This means that in case of a failure by the borrower to repay the loan, the government will pay the loan and find its own way of recovering the money from the borrower.

The key competitors of Al Hilal Bank include Samba Financial Group, Sharjah Islamic Bank, Emirates Islamic, Dubai Islamic Bank, and Abu Dhabi Islamic Bank. The Islamic financial system is very beneficial to society. When an individual investor needs some money for an investment, he can easily get help from these institutions knowing that he will only need to give part of the profit earned from the business venture. It is important to understand the difference between loan capital and risk capital. Risk capital is the fund used to finance high-reward high-risk projects, while loan capital is the borrowed funds used to finance the normal operations of a firm.

Al Halal Bank was able to establish its operations despite the recession because it did not focus on the interests earned from loans, which was the worst affected product during this time. Non-Muslims may be interested in using Islamic banks because of the nature of their loans. They do not charge interest on their loans. Just like any other financial institution, Islamic banks operate under clear regulatory policies. Although each of the institutions will need to follow regulations in the specific countries where they operate, just like other banks, they are also expected to follow Shariah law in their operations. This includes not charging interests on their loans.

Abu Dhabi 2030 Vision

The Abu Dhabi Economic Vision 2030 refers to the plan by the Abu Dhabi government to transform the economy of the Emirate. The vision seeks to foster diversification of the economy in order to promote other sectors as a way of reducing the overreliance on the oil sector as the major contributor to the country’s GDP. The reasoning behind the Abu Dhabi Economic Vision 2030 is that as the country continues to exploit its oil reserves, it will reach a time when the reserves will be depleted. When this happens, the country may be faced with a serious economic crisis if it lacks other pillars that support its economy.

The rationale is that as the oil reserves continue to dwindle, other pillars should be developed to support this economy. This vision is based on four key themes that must be realized for the vision to be considered a success. The economic development, social and human resource development, environmental sustainability and infrastructure development, and optimization of operations of the government are the four themes upon which this vision is based. The government of Abu Dhabi will realize this vision even before the panned date. This is so because of the investment that has been directed to the project, goodwill from the government and the society, and the technocrats involved in implementing the policies.

Abu Dhabi and the Banking System in the UAE

A number of factors have made Abu Dhabi more successful than the other Emirates with respect to oil production. The main factor is that Abu Dhabi is the largest of all the emirates, giving it a large geographical location to exploit oil. The government of Abu Dhabi has also invested a lot in this sector, giving it a superior capacity to extract oil as compared to other emirates (Çizakça 72). Many institutional investors have the Middle East on their radar because of the rich oil reserves in this region. They want to control trade in this commodity, which is the most important commodity in the international market.

The banking system in Canada and that of the United Arab Emirates closely compare in terms of policies put in place by the governments. In both countries, this sector is closely controlled by the national government because of its strategic role in the economy. However, the government in the United Arab Emirates, through its sponsorship model, is more integrated into this system than is the case in Canada. It is also important to note that in Canada, most of the financial institutions operate under the traditional banking system, while in the United Arab Emirates, many banks are currently embracing the Islamic banking system.

Many banks in Abu Dhabi are owned by the government, but it is important to note that they favorably compete with one another in the market. Although they are owned by the government, they operate semi-autonomously, with minimal direct control by the government. This means that they can compete in the market. A bank that wishes to be the safest financial institution in the Middle East may choose to operate in a politically unstable country like Egypt because of the opportunities the market presents, and as a means of demonstrating that even in such difficult times, the institution will still be willing to offer its services to all its customers.

Sheikh Zayed Grand Mosque

Sheikh Zayed Grand Mosque has become a tourist attraction center because of its sentimental values to the people and the architectural design that was used in its construction. It is a uniquely beautiful structure that attracts tourists. This tourist attraction site gets its funding directly from the government of Abu Dhabi (Low 63). Such a model for a tourist attraction can be successful in Europe and North America because people like visiting structures with unique designs, especially if they have sentimental values. The grand mosque will help this Emirate achieve its vision 2030 of diversification of the economy. It helps in developing the tourism industry.

Atlantis Resort

Atlantis Dubai is a branch of the original Atlantis resort in the Bahamas. Both resorts have a similar architectural design, and their cuisine also has some commonalities. However, Atlantis Dubai has been forced to introduce some of the Western cuisines because of the cosmopolitan nature of the city. The Kerzner resorts have to understand the needs of the customers before defining the products. The products offered should be in line with the needs of the customers within the local environment.

Atlantis resort has faced a number of challenges in recent times, especially the stiff competition from other leading players in the hospitality industry. Sheraton Hotels have offered stiff competition to this firm, the fact that it has reduced its profitability. Inflation that affected the West in recent times has also been an issue that has reduced the flow of customers into the regional market. The Palm Dubai Project and the World Island Project have a number of common factors. Both were designed to give visitors a clear view of the sea. Their architectural designs also integrated the traditional and contemporary designs in their structures.

There has been a recent change of ownership at Atlantis. Kerzner International Holdings Limited sold its fifty percent stake to its co-owner, the Istithmar World. Kerzner has also given up its ownership of Bahamas One & Only Ocean Club to Brookfield Asset Management, its long time creditor. This deal meant that Brookfield forgave the debt that this resort owed it to a tune of $ 250 million. From this transaction, the researcher believes that this firm’s performance will improve because it will no longer be burdened by the debts. Just like the Atlantis Dubai, the World’s Islands has been successful in the local market. With a collection of about 300 private islands, World’s Islands has attracted both regional and international visitors.

The Atlantis Dubai Project and the World’s Islands Project are on their path towards great success in the future (Low 48). Dubai City is increasingly becoming a major business and tourist hub in this region that is attracting a high number of international visitors. The two projects have been part of the major attraction. This means that they have become part of the developing city, and this gives an assurance of great success in the near future. Atlantis depends on both the local and international customers for its growth. The local tourists have a huge potential that this resort has been tapping on in the recent past.

As Dubai becomes a strategic business hub in the world, international customers have also been making a substantial share of the market for this firm. The key competitive advantage of Atlantis over its immediate competitors is its financial strength and the size of the facility. The recent waiver of its debts means that the resort can now operate without the burden of paying debts. With the luxurious 600-suite Cove Atlantis and 497-room Reef Atlantis, it is one of the biggest resorts in this region. This competitive edge is likely to remain if the management is keen on maintaining the excellent performance that has been witnessed in the recent past because it will be able to expand its financial strength.

Atlantis has some challenges that the management has been forced to deal with within the market. One of the main challenges is the stiff market competition from its competitors. The firm has responded to this by improving its service delivery process. The dwindling customers from the West have been another major challenge that the firm has been facing. To address this problem, it has been expanding its target market to include more of the local tourists. Although Atlantis was affected by the financial crisis, just like any other five star hotels in this region, its unique products enabled it to maintain a steady flow of visitors, especially from other countries in the Middle East, the fact that cushioned it from the impact of the crisis. The key markets for Atlantis still remain visitors from Europe, North America, and the Middle East.

Islamic Finance

There are a number of prohibited transactions in Islamic banking systems that must be obeyed by all firms operating in this system. The first prohibition is on the issue of interest on loans, which this system describes as usury or riba. According to the Shariah law, any loan from the bank, or deposits to the banks should not attract any form of interest, always known as riba. The Islamic banking system also prohibits Gharar, which Visser (52) defines as a deceptive uncertainty. Maisir or gambling is also prohibited under this system of banking. It is also important to note that Islamic banks are prohibited from investing in or loaning businesses that offer products prohibited under Islamic laws such as alcohol or pork.

It is important to understand some of the most common Islamic models that are currently in practice. Mudaraba refers to a contract signed between an investor and a manager, also known as Mudarib. In case the project earns losses, the investor will have to bare it all, while the profits are enjoyed by both parties. Murabaha is an Islamic financial system where a buyer acquires a property through an intermediary. The intermediary purchases the property and hands it over to the buyer, who will agree to pay an agreeable sum of money on installments. When the buyer completes the payment, the property will then be registered under his or her name.

Musharaka refers to an Islamic financial system where capital is generated from two partners who will then agree to share profits on the basis of their contributions. Salam is an Islamic financial system where payments are made, but the delivery is done at a future date. It is very common when making purchases of agricultural products that are yet to be harvested. Istisna’a refers to a contract of exchange that is signed between two parties, with the delivery being deferred to a future date.

There is a number of Islamic finance offerings within the Islamic financial system. Some of them are Shariah-compliant, while others are not. Mudaraba, Murabaha are the two clear Islamic finance offerings that are Shariah-compliant because they do not attract any form of interest (Ayub 68). However, some of these banks currently offer some form of interest to the account holders as a way of attracting more customers. This goes against Shariah law.

The banks which offer mortgage loans at some fee also go against the teachings of Shariah. Sometimes two similar transactions can be viewed differently on the basis of their compliance with Shariah law. This is possible based on the terms of the transaction. For instance, a bank may inform the account holder that his or her savings will be used to conduct a specific business, and the profits will be shared. This will not be considered interest, and therefore, the transaction will be Shariah-compliant (Pock 59). However, when such payments are made without such clear clarification, it may be regarded as a riba, which goes against the Shariah teachings. When an organization administering Zakat funds receives funds, it will debit its cash account and debit the Zakat funds account.

Middle Eastern Marketing Perspectives

The marketers in the Middle East and those in North America and Europe share a common factor in that they both have the responsibility of convincing the customers to accept a given brand or product in the market. They both have to use the socio-cultural factors that are appealing to their clients in order to win their trust (Ahmad 39). However, it is important to note that to enjoy the liberty of using gender-sensitive language, the marketers in the Middle East, they must be very careful when using such languages because of the strictness of the Islamic religion.

Marketers in the Middle East face a number of challenges that are not witnessed by those in North America and Europe. One such challenge is the diction they use when developing messages for their customers. Customers in this market are very sensitive to the words used, especially in public, and this means that the marketers must be very careful when developing promotional campaigns — strict adherence to Islamic culture that rigidly defines how people should behave poses another serious challenge. In North America and Europe, a marketer can easily develop a promotional campaign without fear of rejection because a specific Shariah law was ignored.

Marketers face a number of challenges when convincing a customer to buy a given product. In this region, buyer behavior is closely defined by their religious beliefs. A marketer may find it difficult to convince a customer to purchase a given product that goes against the religious teachings. For instance, advertising alcohol in the United Arab Emirates may not yield any positive fruits in the market. It may also be straining trying to convince a consumer to purchase a new product that has just been introduced into the market.

Works Cited

Abdul-Rahman, Yahia. The Art of Islamic Banking and Finance: Tools and Techniques for Community-Based Banking. Hoboken: Wiley, 2010. Print.

Ahmad, Abu. Theory and Practice of Modern Islamic Finance: The Case Analysis from Australia. Boca Raton: BrownWalker Press, 2010. Print.

Al-Amine, Muhammad. Risk Management in Islamic Finance: An Analysis of Derivatives Instruments in Commodity Markets. Leiden: Brill, 2008. Print.

Ayub, Muhammad. Understanding Islamic Finance. Hoboken: John Wiley & Sons, 2007. Print.

Çizakça, Murat. Islamic Capitalism and Finance: Origins, Evolution and the Future / Murat Çizakça. Cheltenham, UK: Edward Elgar Pub, 2011. Print.

El-Gamal, Mahmoud. Islamic Finance: Law, Economics, and Practice. Cambridge: Cambridge University Press, 2006. Print.

Kettell, Brian. Frequently Asked Questions in Islamic Finance. Hoboken, N.J: Wiley, 2013. Print.

Low, Linda. Abu Dhabi’s Vision 2030: An Ongoing Journey of Economic Development. Singapore: World Scientific, 2012. Print.

Pock, Alexander. Strategic Management in Islamic Finance. Wiebaden: Deutscher Universitäts-Verlag, 2007. Print.

Visser, Hans. Islamic Finance: Principles and Practice. Cheltenham: Edward Elgar Pub. Ltd, 2013. Print.

International Business in the UAE


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