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AS Biz Words

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  • Inventories
    stocks held by the business in the form of materials, work in progress and finished goods.
  • Operational flexibility
    the ability of a business to vary both the level of production and the range of products following changes in consumer demand.
  • Closing cash balance
    cash held at the end of the month becomes next month's opening balance.
  • Added value
    the difference between the costs of purchasing bought-in materials and the price the finished goods are sold for.
  • Quality circles
    voluntary groups of workers who meet regularly to discuss work-related problems and issues.
  • Public relations
    the deliberate use of free publicity provided by newspapers, TV and other media to communicate with and achieve understanding by the public.
  • Flow production
    producing items in a continually moving process.
  • Accounts payable (creditors)
    value of debts for goods bought on credit payable to suppliers, also known as 'trade payables'.
  • Net monthly cash flow
    the estimated difference between monthly cash inflows and cash outflows.
  • Direct competitor
    a business that provides the same or very similar goods or services.
  • Start-up capital
    the capital needed by an entrepreneur to set up a business.
  • Job enlargement
    attempting to increase the scope of a job by broadening to deepening the tasks undertaken.
  • Operations planning
    preparing input resources to supply products to meet expected demand.
  • Marketing OR promotional budget
    the financial amount made available by a business for spending on marketing/promotion during a certain time period.
  • Target pricing
    setting a price that will give a required rate of return at a certain level of output/sales.
  • Overdraft
    The bank agrees to a business borrowing up to an agreed limit as and when required.
  • Unfair dismissal
    ending a worker's employment contract for a reason that the law regards as being unfair.
  • Secondary sector business activity
    firms that manufacture and process products from natural resources including computers, brewing, baking, and clothes-making and construction.
  • Trade barriers
    taxes (tariffs) or other limitations on the free international of goods and services.
  • Sample
    the group of people participating in the market research survey selected to represent the overall target market.
  • Level of production
    the number of units produced during a time period.
  • Market size
    the total level of sales of all producers within a market.
  • Scale of operations
    the maximum output that can be achieved using the available inputs (resources)-this scale only be increased in the long term by employing more of all inputs.
  • Sustainability
    production systems prevent waste by using the minimum of non-renewable resources so that levels of production can be sustained in the future.
  • Process innovation
    using a new or much-improved production or service delivery method.
  • Multinational
    a business with operations or production bases in more than on country.
  • Quantitative factors
    these are measurable in financial terms and will directly impact either the costs of a site or the revenues from it and its profitability.
  • Stratified sampling
    this draws a sample from a specified sub-group or segment of the population and uses random sampling to select an appropriate number from each stratum.
  • Salary
    annual income that is usually paid on a monthly basis.
  • Capital expenditure
    the purchase of assets expected to last more than one year, such as building and machinery.
  • Enterprise resource planning
    the use of a single computer application to plan the purchase and the use of resources in an organisation to improve the efficiency of operations.
  • The margin of safety
    the amount by which the sales level exceeds the break-even level of output.
  • Opportunity cost
    the benefit of the next most desired option which is given up.
  • Re-order quantity
    the number of units ordered each time. Lead time - the normal time taken between ordering new stocks and their delivery.
  • Operating profit (formerly net profit) is gross profit minus overhead expenses.
  • Shareholders' equity
    total value of assets - total value of liabilities
  • Induction training
    introductory training programme to familiarise new recruits with the systems used in the business and the layout of the business site.
  • Market skimming
    setting a high price for a new product when a firm has a unique or highly differentiated product with a low price elasticity of demand.
  • Mass customisation
    the use of flexible computer-aided production systems to produce items to meet individual customers' requirements at mass-production cost levels.
  • Joint venture
    two or more businesses agree to work closely together on a particular project and create a separate business division to do so.
  • Offshoring
    the relocation of a business process done in one country to the same or another company in another country.
  • Limited liability
    the only liability-or potential loss-a shareholder has if the company fails is the amount invested in the company, not the total wealth of the shareholder.
  • Shareholder
    a person or institution owning shares in a limited company.
  • Direct costs
    these costs can be clearly identified with each unit of production and can be allocated to a cost centre.
  • Manager
    responsible for setting objectives, organising resources and motivating staff to meet the organisation's aims.
  • Demand
    the quantity of a product that consumers are willing and able to buy at a given price in a time period.
  • Share
    a certificate confirming part ownership of a company and entitling the shareholder owner to dividends and certain shareholder rights.
  • Acid-test ratio
    liquid assets/current liabilities
  • Gross profit margin
    this ratio compares gross profit (profit before deduction of overheads) with revenue. Gross profit margin % = gross profit/revenue × 100
  • Triple bottom line
    the three objectives of social enterprises: economic, social and environmental.
  • Open questions
    those that invite a wide-ranging or imaginative response-the results will be difficult to collate and present numerically.
  • Intangible assets
    items of value that do not have a physical presence, such as patents, trademarks and current assets.
  • Liquid assets
    current assets - inventories (stocks) = liquid assets.
  • Cash-flow statement
    a record of the cash received by a business over a period of time and the cash outflows from the business.
  • Liability
    a financial obligation of a business that it is required to pay in the future.
  • Price elasticity of demand (PED)
    measures of demand responsiveness following a price change.
  • Job redesign
    involves restricting a job-usually with employees' involvement and agreement- to make work more interesting, satisfying and challenging.
  • Market segment
    a sub-group of a whole market in which consumers have similar characteristics.
  • Gross profit
    equal to sales revenue less costs of sales.
  • Cash-flow forecast
    an estimate of a firm's future cash inflows and outflows.
  • Employment contract
    a legal document that sets out the terms and conditions governing a worker's job.
  • Public limited company
    a limited company, often a large business, with the legal right to sell shares to the general public-share prices are quoted on the national stock exchange.
  • Economies of scale
    reductions in a firm's unit (average) costs of production that results from an increase in the scale of operations.
  • Current ratio
    current assets/current liabilities
  • Market growth
    the percentage change in the total size of a market (volume or value) over a period of time.
  • Right issue
    existing shareholders are given the right to buy additional shares at a discounted price.
  • E-commerce
    the buying and selling of goods and services by businesses and consumers through an electronic medium.
  • Current liabilities
    debts of the business that will usually have to be paid within one year.
  • Advertising
    paid-for communication with consumers to inform and persuade, e.g. TV and cinema advertising.
  • Non-current liabilities
    the value of debts of the business that will be payable after more than one year.
  • Job description
    a detailed list of the key points about the job to be filled-stating all of its key tasks and responsibilities.
  • Above-the-line promotion
    a form of promotion that is undertaken by a business by paying for communication with consumers.
  • Emotional intelligence (EI)
    the ability of managers to understand their own emotions, and those of the people they work with, to achieve better business performance.
  • Batch production
    producing a limited number of identical products- Each item in the batch passes through one production stage before passing on to the next stage.
  • Market capitalisation
    the total value of a company's issued shares.
  • Qualitative research
    research into the in-depth motivations behind consumer buying behaviour or opinions.
  • Job rotation
    increasing the flexibility of employees in the variety of work they do by switching from one job to another.
  • Dynamic pricing
    offering goods at a price that changes according to the next level of demand and the customers' ability to pay.
  • Market share
    sales of the business as a proportion of total market sales.
  • Quantitative research
    research that leads to numerical results that can be statistically analysed.
  • Diversity policy
    practices and processes aimed at creating a mixed workforce and placing positive value on diversity in the workplace.
  • Liquidity
    the ability of a firm to pay its short-term debts.
  • USP-unique selling point (or proposition)
    the special feature of a product that differentiates it from competitors' products.
  • Customer relationship management (CRM)
    using marketing activities to establish successful customer relationships to maintain existing customer loyalty.
  • Ethical code (code of conduct)
    a document detailing a company's rules and guidelines on staff behaviour that all employees must follow.
  • Crowdfunding
    the use of small amounts of capital from a large number of individuals to finance a new business venture.
  • Extension strategy
    these are marketing plans to extend the maturity stage of the product before a brand new one is needed.
  • Statement of financial position (balance sheet)
    an accounting statement that records the value of a business's assets, liabilities and shareholders' equity at one point in time.
  • Worker participation
    workers are actively encouraged to become involved in decision-making within the organisation.
  • Capital goods
    the physical goods used by the industry to aid in production of other goods and services, such as, machines and commercial vehicles.
  • Channel of distribution
    this refers to the chain of intermediaries product passes through firm producer to final consumer.
  • Equilibrium price
    the market price that equates supply and demand for a product.
  • Competition-based pricing
    a firm will base its price upon the price set by its competitors.
  • Opening cash balance
    cash held by the business at the start of the month.
  • Democratic leadership
    a leadership style that promotes workers' active participation in decisions.
  • Person specification
    a detailed list of the qualities, skills and qualifications that a successful applicant will need to have.
  • Equity finance
    permanent finance raised by companies through the sale of shares.
  • Inventory (stock)
    materials and goods required to allow for the production and supply of products to the customer.
  • High-quality profit
    profit that can be repeated and sustained.
  • Qualitative factors
    non-measurable factors that may influence business decisions.
  • Window-dressing
    presenting the company accounts in a favourable light - to flatter the business performance.
  • Trade receivables (debtors)
    the value of payments to be received from customers who have bought goods on credit.
  • Holding company
    a business organisation that owns and controls a number of separate businesses, but does not unite them into one unified company.
  • Commission
    a payment to a salesperson for each sale made.
  • Added value
    the difference between the cost of purchasing raw materials and the price the finished goods are sold for-this is the same as creating value.
  • Cash inflows
    payments in cash received by a business, such as those from customers (trade receivables) or from the bank, e.g. receiving a loan.
  • Time based wage rate
    payment to a worker made for each period of time worked, e.g.; one hour.
  • Integrated marketing strategy
    the key marketing decisions complement each other and work together to give customers a consistent message about the products.
  • Sponsorship
    payment by a company to the organisers of an event or team/individuals so that the company name becomes associated with the event/team/individuals.
  • Cluster sampling
    using one or number of specific groups to draw samples from and not selecting from the whole population, e.g. using one town or region.
  • Non-current assets
    assets to be kept and used by the business for more than one year. Used to be referred as 'fixed assets'.
  • Income statement
    records the revenue, costs and profit (or loss) of a business over a given period of time.
  • Mixed economy
    economic resources are owned and controlled by both private and public sector.
  • Penetration pricing
    setting a relatively low price often supported by strong promotion in order to achieve a high volume of sales.
  • Closed questions
    questions to which a limited number of pre-set answers are offered.
  • Current assets
    assets that are likely to be turned into cash before the next balance sheet date.
  • Share capital
    the total value of capital rose from shareholders by the issue of shares.
  • Full-cost pricing
    setting a price by calculating a unit cost for the product (allocated fixed and variable costs) and then adding a fixed profit margin.
  • Job production
    producing a one-off item specially designed for the consumer.
  • Profit sharing
    a bonus for staff based on the profits of the business-usually paid as a proportion of basic salary.
  • Asset
    an item of monetary value that is owned by a business.
  • Tangible attributes of a product
    measurable features of a product that can be easily compared with other products.
  • Primary sector business activity
    firms engaged in farming, fishing, oil extraction and all other industries that extract natural resources so that they can be used and processed by other firms.
  • Below-the-line promotion
    a promotion that is not a directly paid-for means of communication but is based on short-term incentives to purchase.
  • Product positioning
    the consumer perception of a product or service as compared to its competitors.
  • Capital intensive
    involving a high quantity of capital equipment compared with labour output.
  • Sole trader
    a business in which one person provides the permanent finance and, in return, has full control of the business and is able to keep all of the profits.
  • Marketing objectives
    the goals set for the marketing department to help the business achieve its overall objectives.
  • Asset-led marketing
    an approach to marketing that bases strategy on the firm's existing strengths and assets instead of purely on what the customer wants.
  • Bad debt
    unpaid customers' bills that is now very unlikely ever to be paid.
  • Private sector
    comprises of businesses owned and controlled by individuals or groups of individuals.
  • Product life cycle
    the pattern of sales recorded by a product from launch to withdrawal from the market and is one of the main forms of product portfolio analysis.
  • Laissez-faire leadership
    a leadership style that leaves much of the business decision-making to the workforce - a 'hands off' style approach and the reverse of the autocratic style.
  • Command economy
    economic resources are owned, planned and controlled by the state.
  • Systematic sampling
    every nth item in the target population is selected.
  • Informal leader
    a person who has no formal authority but has the respect of colleagues and some power over them.
  • Break-even point of production
    the level of output at which total costs equal total revenue; neither a profit nor a loss is made.
  • Branding
    the strategy of differentiating products from those of competitors by creating an identifiable image and clear expectations about a product.
  • CAD-computer-aided design
    the use of computer programs to create two-or-three-dimensional (2D or 3D) graphical representations of physical objects.
  • Product
    the end result of the production process sold on the market to satisfy a customer need.
  • Cost of sales (or cost of goods sold)
    this is the direct cost of the goods that were sold during the financial year.
  • Off-the-job training
    all training undertaken away from the business, e.g. work related college courses.
  • Mass marketing
    selling the same products to the whole market with no attempt to target groups within it.
  • Long-term bonds OR debentures
    bonds issued by companies to raise debt finance, often with a fixed rate of interest.
  • Entrepreneur
    someone who takes the financial risk of starting and managing a new venture.
  • Cash flow
    the sum of cash payments to a business (inflows) less the sum of cash payments (outflows).
  • Creating value
    increasing the difference between the cost of purchasing bought-in materials and the price the finished goods are sold for.
  • Viral marketing
    the use of social media sites or text messages to increase brand awareness or sell products.
  • Revenue (formerly called sales turnover)
    the total value of sales made during the trading period = selling price * quantity sold.
  • Efficiency
    producing output at the highest ratio of output to input.
  • Hygiene factor
    aspects of a worker's job that have the potential to cause dissatisfaction, such as pay, working conditions, status and over-supervision by managers.
  • Intangible attributes of a product
    subjective opinions of customers about a product that cannot be measured or compared easily.
  • Retained earnings (profit)
    the profit left after all deductions, including dividends, have been made, this is 'ploughed back' into the company as a source of finance.
  • Performance-related pay
    a bonus scheme to reward staff for above-average work performance.
  • Supply chain
    all of the stages in the production process from obtaining raw materials to selling to the consumer point of origin to point of consumption.
  • Stakeholder concept
    the view that businesses and their managers have responsibilities to a wide range of groups, not just shareholders.
  • Variable costs
    costs that vary with output.
  • Market segmentation
    identifying of different segments within a market and targeting different products or services to them.
  • Selection
    involves the series of steps by which the candidates are interviewed, tested and screened to choose the most suitable person for the vacant post.
  • Piece rate
    a payment to a worker for each unit produced.
  • Optional location
    a business location that combines quantitative and qualitative factors best.
  • Marketing strategy
    long-term plan established for achieving marketing objectives.
  • Mission statement
    a statement of the business's core aims, phrased to motivate employees and stimulate interest by outside groups.
  • Cash outflows
    payments in cash made by a business, such as those to suppliers and workers.
  • Hire purchase
    an asset is sold to a company that agrees to pay fixed repayments over an agreed time period-the asset belongs to the company.
  • Human resource management (HRM)
    the strategic approach to the effective management of an organisation's workers so that they help the business gain a competitive advantage.
  • Equality policy
    practices and processes aimed at achieving a fair organisation where everyone is treated in the same way and has the opportunity to fulfil their potential.
  • Internal growth
    business expansion by opening new branches, hops or factories (also known as organic growth).
  • Motivation
    the internal and external factors that stimulate people to take actions that lead to achieving a goal.
  • Promotion mix
    the contribution of a firm's promotional techniques to sell a product.
  • Secondary research
    a collection of data from second-hand sources.
  • Employee appraisal
    the process of assessing the effectiveness of an employee judged against pre-set objectives.
  • Revenue
    total value of sales made by a business in a given time period. Capital employed - the total value of all the long term finance invested in the business.
  • Quota sampling
    when the population has been stratified and the interviewer selects an appropriate number from each stratum.
  • Paternalistic leadership
    a leadership style based on the approach that the manager is in a better position than the workers to know what is best for an organisation.
  • Stakeholders
    people or groups of people who can be affected by - and therefore have an interest in - any action by an organisation.
  • Contribution per unit
    selling price less variable cost per unit.
  • Market research
    this is the process of collecting, recording and analysing data about customers, competitors and the market.
  • Marginal costs
    the extra cost of producing one more unit of output.
  • Product differentiation
    making a product distinctive so that it stands out from competitors' products in consumers' perception.
  • Franchise
    a business that uses the name, logo and trading systems of an existing successful business.
  • Autocratic leadership
    a style of leadership that keeps all decision-making at the centre of the organisation.
  • Productivity
    the ratio of outputs to inputs during production, e.g. output per worker per time period.
  • Redundancy
    when a job is no longer required, the employee doing this job becomes unnecessary through no fault of their own.
  • Niche marketing
    identifying and exploiting a small segment of a larger market by developing products to suit it.
  • Public sector
    comprises organisations accountable to and controlled by the central or local government.
  • Consumer services
    the non tangible products sold to the general public - they include hotel accommodation, insurance services and train journeys.
  • Overtrading
    expanding a business rapidly without obtaining all of the necessary finance so that a cash-flow shortage develops.
  • Liquidity
    the ability of a firm to be able to pay its short-term debts.
  • Tertiary sector business activity
    firms that provide services to consumers and other businesses such as retailing, transport, insurance, banking, hotels, tourism and telecommunications.
  • Self-actualisation
    a sense of fulfilment reached by feeling enriched and developed by what one has learned and achieved.
  • On-the-job training
    instruction at the place of work on how a job should be carried out.
  • Primary research
    the collection of first-hand data that is directly related to a firm's needs.
  • Sales promotion
    incentives such as special offers or special deals directed at consumers or retailers to achieve short-term sales increases and repeat purchases by consumers.
  • Motivating factors (motivators)
    aspects of a worker's job that can lead to positive job satisfaction, such as achievement, recognition, meaningful and interesting work and advancement at work.
  • Social enterprise
    a business with mainly social objectives that reinvests most of its profits into benefiting society rather than maximising returns to owners.
  • Public corporation
    a business enterprise owned and controlled by the state-also known as nationalised industry.
  • Free-market economy
    economic resources are owned largely by the private sector with little state intervention.
  • Consumer profile
    a quantified picture of consumers of a firm's products, showing proportions of age groups, income levels, location, gender and social class.
  • Focus groups
    a group of people who are asked about their attitude towards a product, service, advertisement or new style of packaging.
  • Product portfolio analysis
    analysing the range of existing products of a business to help allocate resources effectively between them.
  • Creditors
    suppliers who have agreed to supply products on credit and who have not yet been paid
  • Dividends
    the share of the profits paid to shareholders as a return for investing in the company.
  • Profit for the year (profit after tax)
    operating profit minus interest costs and corporation tax.
  • Dismissal
    being dismissed or sacked from a job due to incompetence of breach or discipline.
  • Fringe benefits
    benefits given, separate from pay, by an employer to the same or all employees.
  • Liquidation
    when a firm ceases trading and its assets are sold for cash to pay suppliers and other creditors.
  • Revenue expenditure
    spending on all costs and assets other than fixed assets and include wages and salaries, and materials bought for stock.
  • Economic order quantity
    the optimum or least-cost of stock to re-order taking into account delivery costs and stock-holding costs.
  • Labour intensive
    involving a high level of labour input compared with capital equipment.
  • Job enrichment
    aims to use workers' full capabilities by allowing them to do more challenging and fulfilling work.
  • Internet (online) marketing
    refers to advertising and marketing activities that use the internet, email and mobile communications to encourage direct sales via electronic commerce.
  • Low-quality profit
    one-off profit that cannot easily be repeated or sustained.
  • Multi-site location
    a business that operates from more than one location.
  • Production
    converting inputs into outputs.
  • Liquidation
    when a firm cases trading and assets are sold for cash to pay suppliers and other creditors.
  • Private limited company
    a small to medium-sized business that is owned by shareholders who are often members of the same family; this company cannot sell shares to the general public.
  • Market orientation
    an outward-looking approach basing product decisions on consumer demand, as established by market research.
  • Markup pricing
    adding a fixed markup for profit to the unit price of a product.
  • Intellectual capital OR property
    the amount by which the market value of a firm exceeds its tangible assets less liabilities - an intangible asset.
  • Partnership
    a business formed by two or more people to carry on a business together, with shared capital investment and, usually, shared responsibilities.
  • Brand
    an identifying symbol, image or trademark that distinguishes a product from its competitors.
  • Product orientation
    an inward-looking approach that focuses on making products that can be made-or have been made for a long time-and then trying to sell them.
  • Fixed costs
    costs that do not vary with output in the short run.
  • CAM-computer-aided manufacturing
    the use of computer software to control machine tools and related machinery in the manufacturing of components or complete products.
  • Diseconomies of scale
    factors that cause average costs of production to rise when the scale of operation is increased.
  • Random sampling
    every member of the target population has an equal chance of being selected.
  • Effectiveness
    meeting the objectives of the enterprise by using inputs productively to meet customers' needs.
  • Training
    work-related education to increase workforce skill and efficiency.
  • Bonus
    a payment made in addition to the contracted wage or salary.
  • Marketing mix
    the four key decisions that must be taken to effectively market a product.
  • Supply
    the quantity of a product that firms are prepared to supply at a given price in a time period.
  • Long-term loans
    loans that do not have to be prepaid for at least one year.
  • Team working
    production is organised so that groups of workers undertake complete units of work.
  • Indirect costs
    costs that cannot be identified with a unit of production or allocated accurately to a cost centre.
  • Credit control
    monitoring of debts to ensure that credit periods are not exceeded.