DOCSLIB.ORG

The Cocoa Trees Tastes Sweet Success in Eliminating Workflow

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
The Cocoa Trees Tastes Sweet Success in Eliminating Workflow QlikView | Case Study | The Cocoa Trees The Cocoa Trees tastes sweet Solution Overview The Cocoa Trees The Cocoa Trees is Singapore’s largest success in eliminating workfl ow chocolate distributor and retailer representing more than 35 internationally renowned chocolate brands such as ineffi ciencies and improving Kraft (Toblerone, Milka, Daim, Cote d’Or) Masterfoods (M&M’s, Snickers, Mars), Ferrero Rocher, Herhseys, Cadbury and Nestle. The company exports to duty-free business decisions with QlikView operators in the region and has sales and warehousing facilities in Singapore, Malaysia, Indonesia and China to service The fi rst thing that the CEO does every morning is to check the the domestic markets (supermarkets and independent stores) of those countries. company’s sales performance using QlikView. He gets an It operates 15 chocolate boutiques in overview of the business through the visually rich, interactive Singapore. dashboards, drilling down to operational details, if required, to Industry “ make time-sensitive decisions. Retail & Wholesale Distribution Wess Wong, Director, Finance and Buisness Development, Function Focus Network Agencies (s) Pte Ltd, owner of The Cocoa Trees. Sales and Inventory Geography ” Singapore The Cocoa Trees is the largest fi nancial statements, and based on batch distributor and retailer of chocolate processing, became inadequate for the Solution and confectionary products in the Asia rapidly growing operations. They were The Cocoa Trees deployed QlikView to Pacifi c region. A local success story, it unable to generate reports on inventory 10 key business users across the sales started in 1991 with just 5 people, levels on-demand or in real-time. Twice divisions (export, retail, local, purchasing, representing 2 brands. In 1999, it a month, the warehouse supervisor had accounts and top management), all within 40 manhours. With QlikView, management launched the popular The Cocoa Trees to physically inspect stocks to prepare can view the real time sales performance chocolate boutique stores in Singapore. an inventory expiry date report to every morning, and each department can Today, it has a portfolio of more than monitor the shelf-life of these perishable analyze the data by drilling down to the 35 internationally renowned brands items. It was time-consuming as each transaction/document level. such as Kraft (Toblerone, Milka, Daim, report took two days to complete, with inevitable errors. Service levels were Data Source Systems unsatisfactory as the order fulfi llment Application: MS Navision Database: MS SQL Server cycle took too long. Salespeople could not propose or confi rm orders with QlikTech Partner customers immediately against Knowledge Management Solutions Pte Ltd inventory levels. On top of that, because RIBIZ SystemsSystems, Consulting APACformerly Services aka. PteIBIZ Ltd of the lack of clarity on inventory, some salespeople circumvented the system by physically pre-packing stocks at the warehouse to reserve the stocks, leading to many internal confl icts. With the old system, there was no automatic comparison between current Cote d’Or) Masterfoods (M&M’s, and historical sales performance. Users Snickers, Mars), Ferrero Rocher, had to painstakingly cut and paste data Herhseys, Cadbury and Nestle, and a into a single fi le in order to get this distribution network that covers most information. of Indo-China, Southeast, North and Northeast Asia and as far west as India. Clarity and accuracy at the click of a mouse Challenge: A crippling inventory control system In 2004, the company decided that it had to eliminate these workfl ow In 2004, the company found that its ine ciencies and started looking for a accounting system, which was designed solution that would help them achieve for generating static reports and this. QlikView | Case Study | The Cocoa Trees “We started looking for a solution that orders can be confi rmed immediately enables real-time, user-friendly and with the clarity of inventory status. fl exible access to information. I was very pleasantly surprised at how This greatly improved e ciency as the QlikView could deliver dynamic insights sales team knew exactly how much Deployed QlikView instantaneously at an attractive price inventory is available and who has made to 10 key point. I knew this was exactly what reservations against what stock. business users I was looking for,” said Wess Wong, Salespeople can easily analyze the sales within 40 manhours Director, Finance and Business information according to di erent Development, Focus Network Agencies variables, such as sales in weight, (S) Pte Ltd, owner of The Cocoa Trees. quantity or value and sales by “QlikView provides business country, by customer and by SKU to intelligence so quickly. All you do is plan their sales strategy, rather than click your mouse and you will know selling blindly. everything from inventory status, customer demand patterns, to sales The company now plans and executes performance. The short implementation more e ective campaigns to drive sales time was also impressive.” with this new level of insight into their data. For example, by knowing the In January 2005, The Cocoa Trees stock expiry dates, stocks can be cleared started implementing QlikView. It took at a discount at the right time, rather only 40 man-hours for it to be than too early. By knowing how many customized to their needs. gifts with purchases have been given out and for which brands, as well as the The Cocoa Trees used Navision to invoice numbers, the company can now assign expiry dates to inventory, allow fi le the claims from the right suppliers. users to “lot-track” inventory by expiry With QlikView, it is now possible for date and allow transaction processing/ users to automatically compare posting to maintain inventory balances historical and current sales information. in real-time. Data from Navision was then put through QlikView to create “The fi rst thing that the CEO does dynamic dashboards and analysis that every morning is to check the company’s o ered much more insight than static sales performance using QlikView. He reports typically generated from ERP gets an overview of the business through systems. the visually rich, interactive dashboards, drilling down to operational details, if With QlikView, information is required, to make time-sensitive constantly updated, and all decisions,” said Wess Wong. departments from export sales, retail sales, local sales, purchasing, accounts and even the CEO, can access inventory and sales information in real-time. Reports for suppliers can be generated instantaneously, and customer QlikView provides business intelligence so quickly. All you do is click your mouse and you will know everything from inventory status, customer “ demand patterns, to sales performance. The short implementation time was also impressive. Wess Wong, Director, Finance and Business Development, Focus Network Agencies (s) Pte Ltd, owner of The Cocoa Trees. © 2009 QlikTech International AB. All rights reserved. QlikTech, QlikView, Qlik, Q, Simplifying Analysis for Everyone, Power of Simplicity, New Rules, The Uncontrollable Smile and other QlikTech products and services as well as their respective logos are trademarks or registered trademarks of QlikTech Inte rnational AB. All other company names, products and services used herein are trademarks or registered trademarks of their respective owners. ” The information published herein is subject to change without notice. This publication is for informational purposes only, without representation or warranty of any kind, and QlikTech shall not be liable for errors or omissions with respect to this publication. The only warranties for QlikTech products and services are those that are set forth in the express warranty statements accompanying such products and services, if any. Nothing herein should be construed as constituting any additional warranty. www.qlikview.com.
Load more

Recommended publications
  • Smallholder Tree Crop Renovation and Rehabilitation
    Smallholder tree crop renovation and rehabilitation (R&R) A Review of the State of the Emerging R&R Market and Opportunities to Scale Investment November 2015 DRAFT FINAL 1 EXECUTIV E SUMMARY This report, commissioned by IDH, the Sustainable Trade Initiative, focuses on renovation and rehabilitation of tree crops in smallholder farming (abbreviated hereafter as “R&R”). For the purposes of this report, we focus on four commodities – cocoa, coffee, palm oil and tea - and we define ‘renovation’ to include activities that involve addition of planting material, and ‘rehabilitation’ to include grafting, stumping or pruning. In both cases, packages typically include training on good agricultural practices and the application of fertilisers and pesticides. We focus on R&R programmes that include upfront investments that have a long-term impact on tree productivity, and not those that solely focus on training or supply of inputs with a shorter term perspective. Smallholder farmers engaged in cultivation of ‘tree crops’ face particularly complex challenges related to maintaining productivity and their associated livelihoods. Tree crops are long-term assets that decline in productivity over time and require ongoing maintenance and periodic renewal to maintain yields. Such maintenance, and especially renewal, requires material upfront investments that can be followed by a period of reduc ed or no income from associated cash crops, and returns to such investments only arise after a period of several years. With little in the way of savings and a chronic lack of affordable finance for smallholder agriculture, especially for those without hard collateral, the majority of smallholder farmers focused on tree crops are often trapped in low and declining productivity systems.
    [Show full text]
  • Eliminating Deforestation from the Cocoa Public Disclosure Authorized Supply Chain
    Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Eliminating Deforestation from the Cocoa Public Disclosure Authorized Supply Chain Eliminating Deforestation from the Cocoa Supply Chain For: The World Bank Group March 2017 Authors: Alan Kroeger Haseebullah Bakhtary Franziska Haupt Charlotte Streck Climate Focus North America Inc. 1730 Rhode Island Ave. NW #601 Washington DC 20036 2 Contents Eliminating Deforestation from the Cocoa Supply Chain 1. Objective 7 2. Overview of the Cocoa Supply Chain 9 2.1 Deforestation Driven by Cocoa Production 11 2.2 Certification Schemes in the Cocoa Sector 15 2.2.1 Market Penetration 15 2.2.2 Certification Processes 17 2.2.3 Deforestation-related Requirements 17 2.2.4 Limitations and Strengths 20 3. Tracking Progress of Efforts to Eliminate Deforestation in the Cocoa Supply Chain 22 3.1 Methodology 22 3.2 Findings 25 3.2.1 Commitments 26 3.2.2 Implementation 30 3.2.3 Enabling Environment 35 3.2.4 Impact on Forests 46 4. Lessons from Other Commodities 48 4.1 Exports and Emerging Markets 48 4.2 Certification and Multi-stakeholder Processes 49 4.3 Landscape and Jurisdictional Approaches and Produce-and-Protect Initiatives 53 4.4 Tracing 55 5. A Vision of Zero-Deforestation Cocoa 57 5.1 Principles 57 5.2 Strategies 58 3 Executive Summary This report examines the cocoa supply chain, its associated deforestation, and the role and limitations of certification schemes to reduce deforestation. The deforestation-related commitments from cocoa companies are analyzed across the value chain by looking at commitment types, implementation, and the enabling environment.
    [Show full text]
  • Eliminating Deforestation from the Cocoa Supply Chain
    Eliminating Deforestation from the Cocoa Supply Chain Eliminating Deforestation from the Cocoa Supply Chain For: The World Bank Group March 2017 Authors: Alan Kroeger Haseebullah Bakhtary Franziska Haupt Charlotte Streck Climate Focus North America Inc. 1730 Rhode Island Ave. NW #601 Washington DC 20036 2 Contents Eliminating Deforestation from the Cocoa Supply Chain 1. Objective 7 2. Overview of the Cocoa Supply Chain 9 2.1 Deforestation Driven by Cocoa Production 11 2.2 Certification Schemes in the Cocoa Sector 15 2.2.1 Market Penetration 15 2.2.2 Certification Processes 17 2.2.3 Deforestation-related Requirements 17 2.2.4 Limitations and Strengths 20 3. Tracking Progress of Efforts to Eliminate Deforestation in the Cocoa Supply Chain 22 3.1 Methodology 22 3.2 Findings 25 3.2.1 Commitments 26 3.2.2 Implementation 30 3.2.3 Enabling Environment 35 3.2.4 Impact on Forests 46 4. Lessons from Other Commodities 48 4.1 Exports and Emerging Markets 48 4.2 Certification and Multi-stakeholder Processes 49 4.3 Landscape and Jurisdictional Approaches and Produce-and-Protect Initiatives 53 4.4 Tracing 55 5. A Vision of Zero-Deforestation Cocoa 57 5.1 Principles 57 5.2 Strategies 58 3 Executive Summary This report examines the cocoa supply chain, its associated deforestation, and the role and limitations of certification schemes to reduce deforestation. The deforestation-related commitments from cocoa companies are analyzed across the value chain by looking at commitment types, implementation, and the enabling environment. These findings are compared with lessons from palm oil since it has the most similarities to cocoa due to its large contingent of smallholder producers and limitations that exacerbate deforestation.
    [Show full text]
  • Your Body's on Holiday but Your Mind's on Your Shopping
    TERMINAL 1 SHOP&GREAT THINGSDINE TO DO AT CHANGI AIRPORT Your body’s on holiday but your mind’s on your shopping. Return Singapore Happier to your Shopping Buy before you fly on Departure or iShopChangi.com and Collect on Return Shop handsfree and make your return a happier one IN-STORE ONLINE Participating Outlets: 24 hours Collect at the DFS Wines & Spirits store nearest to your baggage claim belt at the arrival terminal Shop 30 days in advance and up to (after Immigration) 12 hours before your flight at your own pace and comfort. Collect on Return: 24 hours Only applicable to The Shilla Duty Free and DFS Collect at The Shilla Duty Free Departure Central Wines & Spirits stores for T1, T2 & T3 and Arrival Hall store for T4 Collect at The Shilla Duty Free and DFS Wines & Spirits store nearest to your baggage claim belt at the arrival terminal (after Immigration) T1: 6am to 12am The Shilla Duty Free: 6am to 1am T2 & T3: 6am to 1am DFS Wines & Spirits: 24 hours T4: 7am to 11pm Collection will not be available from 11pm to 7am Collect at Sprint-Cass Electronics stores at T1, T2, T3 Departure Transit stores and E-Gadget Mini at SCAN TO T4 Departure Public store FIND OUT MORE The service for Sprint-Cass is only available from 1 October – 9 December 2019 * Terms & Conditions apply SHOPPING Indulge in a wide array of retail and SPREE experiences right here at Terminal 1! Tory Burch Crafted in rich, pebbled Italian leather. The Perry remains unlined with treated, bonded colourful Saffiano leather interior.
    [Show full text]
  • (Awarded in 6X STAR$®) with the American Express® Capitacard
    Earn up to 3% rebate (Awarded in 6X STAR$®) with The American Express® CapitaCard Participating Merchants at CapitaLand Malls in town (S$1 spend = 30 STAR$®, T&Cs Apply) Updated as of 1 July 2021 Important Notes Please visit amex.co/capitacardterms for the full terms and conditions for earning STAR$® with your American Express® CapitaCard. Please note that under the terms and conditions: 1. Additional 25 STAR$® will be awarded, on top of the base 5 STAR$, on eligible purchases of goods and services, in blocks of S$1, on a cumulative basis at the end of every calendar month, capped at S$1,200 per calendar month. 2. On top of excluded charges and purchases, the following transactions are also not eligible to earn additional 25 STAR$®: charges at pushcarts, temporary vendors/pop-up shops, events, roadshows, SISTIC, SAM machines and AXS machines within CapitaLand Malls in town. American Express International Inc (UEN S68FC1878J) 1 Marina Boulevard #22-00, One Marina Boulevard, Singapore 018919. americanexpress.com.sg. Incorporated with Limited Liability in the State of Delaware, U.S.A ®Registered Trademark of American Express Company. © Copyright 2021 American Express Company. AXP Public 1 American Express® CapitaCard Participating Merchants @ Bugis Junction 200 Victoria Street Singapore 188021 Participating Merchant Name 6IXTY8IGHT Hi-Tec Mobile Polar Puffs & Cakes Action City HLH SABER LILY Pop Mart adidas HoneyMoon Dessert Premier Football Ajisen Ramen Honguo Purpur Akihabara HP By AddOn Q & M Dental Centre (Bugis) Alcoholiday HUAWEI Raffles
    [Show full text]
  • Cocoa Farming in Indonesia
    View metadata, citation and similar papers at core.ac.uk brought to you by CORE provided by Hasanuddin University Repository Cocoa Farming in Indonesia: Present Challenges Cocoa is an engine of national growth in Indonesia, which is poised to become the world’s largest producer of cocoa beans. Muhammad Junaid The University of Hasanuddin hocolate or cocoa is becoming an Indonesia for a production capacity of about Cengine of national economic growth in 70 thousand mt , starting in 2014 (Aldhin, many parts of the world, particularly in 2013). Other cocoa grinders are General Indonesia. By 2012, although a number of Food Industry (Singapore), Bumi countries in the target export areas had been Tangerang, Effem Indonesia and Davomas affected by economic crisis, it was obvious Abadi Tbk. A company from Malaysia, that the world demand for chocolate had Guan Chong Berhad, has established a increased significantly. In fact, a more than cocoa factory projected to produce about twofold rise in demand was reported, com - 150,000 mt per year in Batam Island, Suma - tra. Another cocoa grinder from the United Muhammad Junaid is pared to previous years, and it is predicted a junior lecturer and States, Barry Callebaut, is investing about to continue to increase, reaching more than research plant pathol - US$150 million in this sector in Indonesia. 15 percent of total global production. The ogist at the University Interestingly, cocoa is not a native crop in demand for cocoa beans has grown as well of Hasanuddin. He most of the main production areas in the has received the Nor - (Guest, 2013).
    [Show full text]
  • A Lever for Development MANAGING PUBLISHER Carl Michiels - CTB-BTC, 147 Rue Haute – B- 1000 Brussels, Belgium
    COCOA A lever fOr develOpment MANAGING PUBLISHER Carl Michiels - CTB-BTC, 147 Rue Haute – B- 1000 Brussels, Belgium CREATION Izicom – www.izicom.com AUTHOR Henri Martens TRANSLATION Jill Rupnow TECHNICAL REVIEW Jean-Paul Rousseau, 4crops Consulting GRAPHICS Mazy Graphic Design ILLUSTRATIONS Lionel Astruc, Shutterstock, Isistock, Dreamstime, Barry-Callebaut, Port of Antwerp © CTB-BTC, Belgian development agency, February 2011. All rights reserved. The contents of this publication may be copied with the authorisationof the CTB-BTC, provided that the source is cited. This publication of the Trade for Development Centre does not necessarily represent the opinions of the CTB-BTC. Table Of COntents IntrOduCtion 4 Forms: A lOng hIstOry 6 from the maya to chocolates 7 Cocoa prOduCtion 10 An equatorial crop 11 enzo barattini: “Cocoa is a major lever for development in producing countries.” 16 the CultIvAtion Of cocoa trees 18 A fragile tree requiring close attention 19 philippe bastide: “A label of origin could be a way to increase the value of cocoa.” 20 Child labour on cocoa farms 23 the ICCO, a meeting place for cocoa producers and consumers 24 Willy geeraerts: “Cocoa demand is rising and yield must increase.” 25 the World Cocoa foundation: significant resources and pragmatic action, in the field 26 fair trade, organic: credible alternatives? 28 Cocoa trAde 30 structural deficit, rising prices 31 Cocoa trAnsfOrmAtion 34 the manufacture of chocolate 35 the uCl at the cutting edge of cocoa research 37 three belgian chocolatiers explain their purchasing
    [Show full text]
  • ST/LIFE/PAGE<LIF-007>
    | FRIDAY, NOVEMBER 29, 2019 | THE STRAITS TIMES | happenings life D7 John Lui Film Correspondent recommends Picks Film PHOTOS: ENCORE FILMS, GOLDEN VILLAGE, SINGAPORE INTERNATIONAL FILM FESTIVAL SINGAPORE INTERNATIONAL FILM FESTIVAL This is a rare opportunity to watch on the big screen a lush period piece released in 1998. Flowers Of Shanghai (PG13, 113 minutes, screening tomorrow, 4.15pm, Filmgarde Bugis+) is adapted from the classic novel of the same name. Directed by Taiwanese master Hou Hsiao-hsien, it stars Tony Leung (above, centre), Carina Lau and Michiko Hada in a story woven around the men who patronise a famed brothel in 19th-century Shanghai and the women who work there. WHERE: Various locations, including Capitol Theatre, Filmgarde Bugis+, KNIVES OUT (PG13) Golden Village Grand, Oldham 130 minutes/ Theatre, National Gallery Singapore, National Museum of Singapore, A LAND IMAGINED AND The comedy-tinged murder mystery is a star-studded The Projector MRT: Various WET SEASON affair that could have been that most awful of WHEN: Till Sunday ADMISSION: $13 Missed the mystery-drama A Land creations: A party in which everyone, except the viewer, (except for opening film and special Imagined (NC16, 95 minutes, ) is having a good time. presentations). Discounts available during its run in cinemas this year? To But writer-director Rian Johnson loves cinema too for bulk purchases mark its win of two prizes at the much to let that happen. INFO: sgiff.com Golden Horse Awards (for Best This new work expresses his fondness for the Agatha Original Screenplay and Best Original Christie flick. A “gentleman sleuth of great renown”, Score), Cathay is bringing this story of Benoit Blanc (Daniel Craig, above, deploying an a local cop (Peter Yu, right) and his outrageously broad Southern accent), is called in to search for a missing migrant worker investigate a murder in a mansion that is “practically a from China back for a short (M18, 103 minutes, ), which Clue board”, according to one guest-suspect.
    [Show full text]
  • List of Retail and F&B Establishments Awarded SG Clean
    Establishment S/N Type Name of Establishment Mall Name Certificate Number 1 F&B McDonald’s Aperia Mall Aperia Mall ESGE-339511-00032-FB 2 F&B McDonald's *SCAPE ESGA-237978-0001-FB Menya Kokoro (Mazesoba) & 3 F&B Emma 100 AM ESG-088539-HAM-020 4 F&B Saboten 100 AM ESG-088539-HAM-031 5 F&B Salmon Samurai 100 AM ESG-088539-HAM-032 6 F&B Ura Hototogisu 100 AM ESG-088539-HAM-048 7 F&B YAYOI – ITADAKIMASU by Parco 100 AM ESG-088539-HAM-054 8 F&B Haidilao Hot Pot 313@Somerset ESGH-238895-0004-FB 9 F&B BreadTalk 313@Somerset ESGH-238895-0008-FB 10 F&B Sushi Express 313@Somerset ESGH-238895-0002-FB 11 F&B Tanyu 313@Somerset ESGH-238895-0007-FB Alexandra Retail 12 F&B Choc spot Centre ESG-119963-ARC-013 Alexandra Retail 13 F&B Barcook Bakery Pte Ltd Centre ESG-119963-ARC-005 Alexandra Retail 14 F&B McDonald's Centre ESGC-119963-0002-FB Alexandra Retail 15 F&B Burger King Centre ESGC-119963-0006-FB Alexandra Retail 16 F&B THE GREEN BAR PTE LTD Centre ESG-119963-ARC-061 Alexandra Retail 17 F&B Stuff'd Centre ESGC-119963-0001-FB 18 F&B FRAGRANCE BAK KWA AMK Hub ESG-569933-AMK-052 19 F&B Just Dough AMK Hub ESG-569933-AMK-083 20 F&B Bengawan Solo Pte Ltd AMK Hub ESGJ-569933-0049-FB 21 F&B Breadtalk Pte Ltd AMK Hub ESGJ-569933-0079-FB BURGER KING SINGAPORE PTE 22 F&B LTD AMK Hub ESGJ-569933-0072-FB 23 F&B KAKI AMK Hub ESG-569933-AMK-085 24 F&B FRUIT PARADISE AMK Hub ESG-569933-AMK-053 25 F&B FISH & CO.
    [Show full text]
  • Up to 4X Rewards Dining Merchant List
    Up to 4x Rewards Dining Merchant List 1 7-ELEVEN 101 COFFEE CLUB 201 IMMIGRANT 2 ABUBA STEAK 102 CORK & SCREW 202 IMPERIAL CHEF 3 ADA SWALAYAN 103 COSI RESTAURANT 203 IMPERIAL KITCHEN 4 AEON RESTO & CAFE 104 CRYSTAL JADE 204 IMPERIAL LAMIAN 5 AH YAT 105 CYA THAY 205 IMPERIAL TREASURE 6 AJ BAKERY & CAKE 106 D COST 206 INDOGROSIR 7 AJI ICHIBAN 107 D JANG GEM 207 INDOMARET 8 AJISEN 108 DAPUR COKELAT 208 INUL VIZTA 9 AKASHI 109 DAPUR SUNDA 209 IPPACHI JAPANESE REST 10 AL FRESH 110 DE LEUIT REST 210 ISTIMEWA SNACK 11 ALCATRAZ 111 DE LUCA 211 I-TA SUKI 12 ALFA MART 112 DEL TORO 212 J.CO 13 ALFA MIDI 113 DELTA REST & BAR 213 JADE IMPERIAL 14 ALFRESCO 114 DEPOT 369 214 JAKARTA FRUIT MARKET 15 ALL SEMES 115 DE'SUSHI 215 JAKARTA PUSAT BUAH SEGAR 16 AMANDA BROWNIES KUKUS 116 DIANA INT'L CLUB 216 JAKARTA REST 17 AMEN REST 117 DIE STUBE 217 JALA JALA 18 AMIGOS 118 DIN TAI FUNG 218 JEMAHDI REST 19 AMORE 119 DO AN RESTAURANT 219 JESSY CAKES 20 AMUZ 120 DOMAIN BAR 220 JIMBARAN REST 21 AMWAY 121 DOME 221 JITTLADA 22 ANGKE REST 122 DOMINO PIZZA 222 JUMBO REST 23 ANGUS HOUSE 123 DRAGONFLY 223 JUMBO SEAFOOD 24 ARUM MANIS REST 124 DREAM OF KAHYANGAN 224 JUN NJAN REST 25 ASIA BARU 125 D'SPRING CAFE 225 K.D.S. RUMAH MAKAN 26 AYAM BAKAR PRIMARASA 126 DUNKIN DONUTS 226 KAFE BETAWI 27 AYAM GORENG KALASAN 127 DUTA BUAH 227 KAFE VICTORIA 28 AYAM GORENG MBOK BEREK 128 EASTERN & ORIENTAL 228 KAITEN SUSHI IPPEKE 29 AYAM GORENG NY.SUHARTI 129 EASTERN PROMISE REST 229 KAMPUNG DAUN 30 AYAM GORENG WIDURAN 130 EASTERN REST 230 KARTIKA SARI 31 BAIK SU RESTAURANT 131 EAT
    [Show full text]
  • Annual FAIR Report 2019-2020
    chapter one: fight chapter two: equalityfor and fairness one page 6 team, chapter three: one serious mission page 12 about chapter five: farmers page 30 govern chapter four: ment page 50 big choco industry chapter six: page 46 re chapter seven: choco chapter eight: tailers fans page 56 the page 62 numbers, the chapter ten: chapter nine: numbers numbers hello page 74 deep future dive page 90 page 94 preface: page 4 important appendices: page 146 these are hectic times.. Pretty scary actually, when you consider that we are borrowing the earth from future generations. Our intention is to pass it on better than how we received it. But what is happening today shows a different picture: global climate change, ever- growing financial inequality, in which Apple has a larger market value than the Gross National Product of the whole of the Netherlands and in which multinationals pay hardly any profit tax. Add to that the Covid-19 pandemic: that gives little confidence in the future. In my opinion, we just go ahead and do no more than shut down the economy almost completely with an (intelligent) lockdown, only to hope for economic recovery and a vaccine in a society of social distancing. I am skeptical about a vaccine against a mutating virus. Anyway, who am I, at least not a doctor or a politician? Banks are rapidly printing money, so that for the time being nothing seems to be going on from an economic point of view. But nothing could be further from the truth. Looking at inclusivity and equity.
    [Show full text]
  • Earn 3X Bonus STAR$® with the American Express® Capitacard
    Earn 3X Bonus STAR$® with The American Express® CapitaCard Participating Merchants at CapitaLand Malls (S$1 spend = 15 STAR$®, T&C’s Apply) Updated as of 27 Jun 2019 Click on the mall icon below or scroll down to find the participating merchants from each mall Terms and Conditions 1. You will be awarded an additional 10 STAR$® under the 3X STAR$® Programme on eligible purchases of goods and services in blocks of S$1, on a cumulative basis at the end of every calendar month, capped at S$1,200 per calendar month at participating merchants of CapitaLand Malls. For full terms and conditions, refer to www.amex.co/capitacardterms. 2. STAR$® will not accrue for (a) Charges that are processed and billed prior to your CapitaStar Member enrolment date or charges that are prepaid on any Card Account prior to the first billing statement for that Card Account following the Enrolment Date; (b) Cash Advances and other cash services; (c) Express Cash; (d) American Express Travellers Cheque purchases; (e) Charges for dishonoured cheques; (f) Finance charges including Line of Credit charges and Credit Card interest charges; (g) Late Payment and collection charges; (h) Tax refunds from overseas purchases; (i) Balance Transfers; (j) Instalment plans; (k) Annual Card fees; (l) Other credits to your Account; and (m) CapitaVoucher purchases. 3. Transactions at the following will only earn 5 STAR$® for every S$1 spent on eligible charges: Pushcarts, temporary vendors/pop-up shops, events, roadshows, SISTIC, SAM machines and AXS machines within CapitaLand Malls. 4. Any spend above S$1,200 per calendar month made on eligible purchases at participating merchants will earn you 5 STAR$® for every S$1 spent.
    [Show full text]