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1. 415-II 13.05.2003. 2. http://www.nationalbank.kz 3. http://www.kazproperty.kz 4. http://www.stat.kz 5. http://www.kase.kz 6. http://www. e.gov.kz 7. http://www.elitarium.ru

.., MBA , .. (., ),g_lepesova@mail.ru

, , . , , , , , . , . , , . , 0, 59 %. 8-9%. {1, 25-28} , , , , . , 2010 , , , 2%. , 24%. , , , , , . , , , . , , . ,

, , . , . , , . :

,%30 20 10 0 2007 2008 2009 2010

1 , 2008 , , . , , . , , , . , , , , . , , , . , , . . , , , . , , - .

. , . , , , , . . 2007 46%. , , , . , , . . , . . . . . , , . , 80% , . , , . . , , , , . , , . , ,

, : . . , , , , . . , . , , , . - . , . , , . , , , , , . , . , , , . . , . . , . , . , .

.

1. , . .. 2. , , . .. www.nomad.kz 3. www.zakon.kz - . i ii i iii i. ii, iii . ii i ii c. ii i ii . ii i i , i i iii iii . , . , . . . , .

RESUME The insurance market was one of the few sectors which showed stable growth In the crisis time and first-out pre-crisis level. The memoir reviews the prerequisites for strong growth in the insurance market. The author reveals the fundamental aspects of the formation of the insurance market at present. This research contains an analytical justification of the main negative factors, ways to solve pressing problems of the insurance industry.

.. (., ) madikowka@gmail.com . , , , , . - , . , , . . , - . . . , , . , , , - . , , - , . , . : -. ,

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. .. , (. , ), subbotin200784@mail.ru . , , , . , , . . , , Total Quality Management (TQM). , 20-, , . . , . 9000. . , , , , . . , . . , , . , .

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. , . , , , , . . 2007 . , , , 2008-2010 . 50%, , . , . , , , . , , . , , , , . , , , , , , , , , . 1. .. . .: , 2007. 2. http://reddragon.kaznik.info/. 3. http://www.beeline.kz/ru/index.wbp 4. http://www.temirbank.kz/ 5. http://biztimes.ru/index.php?artid=168

.. IBS (., ) effecttt001@mail.ru . , , . , , , , . . , , , . . [3, 270]. ., , , , , , [7, 9]. .., , , . : , , ,

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, , , , : - 40% , ; - - ; - - ; - - . , , , , , . . 1920-1921., , . . , , , (hatten-shiko-kata kokka developmental state) - [6, 39-45].

1. .. - . . : . , 1998. 2. ., ... // .- 2002 3. . . // : . . . , . . . .: , 2002. 4. .., .. : - 7.- , 2002, 10.

5. . // . 1993.- 9. 6. .., .., .. - .-: , 1998. 7. Tinbergen J. The Desing of Development. L., 1958.

. B.Tech, , , Joint09 (.,) vkaplun@gmail.com

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, . . , , . . , , . , , , . : 1. . // . 2002. 5. 2. . ( : ) // . 2004. 2. 3. .. . ., 2002. 4. .., .., .. . .: , 2001. 5. . . , 2002. 6. .. . ., 2001. 7. .. . , 2002. 8. .. . ., 2003. 9. . . , 1999. 10. .. : . 3- . .; -, 2003. 558 . 11. // . .: 2003. 2. 12. .. . - , 2000. 13. / . . . 4- ., ., . . .: -, 2000. 784 . 14. . . . ., 2003. 15. .. : . . : . .; , 2002. 16. .., .. . - .: , 1999. 17. .. . - .. 1996.

005 . executive , . . (. , )

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.1. , , , , , . , , . , - , .. , [6, 64-65]. , , , [5, 34]: 1. . 2. , . 3. , , , , . 4. , .

. . , , , , . . 1. . : ., : - , 1999. 2. . . - : - , 1998. 3. . .- .: - , 1991. 4. . . / .: : , : . / . . . , . . , . . ; . . , . , . , . ; . . . . - .: , 2001. 5. ., . : " ".// .-2003. 18. 6. Drucker Peter F. Management: Tasks, Responsibilities, Pratices. - N.-Y.: Harper & Row, 1973.

. : , -08-04 (., ), Ebizova@mail.ru , . . . . (). , . . , , , . , : , , , , , , . . : . [1, 1-4] .

, , . . , . , . : 1. , . 2. , . NPV . , , . NPV , , . . , , . . . , . , NPV ( ).[2,16-17] ( ) NPV ,

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.., MBA , .. (., ), aliya-85@list.ru . , . ? . . , , , . . , .

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. , . , . , , . , , . : 1999-2009 . www.egov.kz www.nomad.kz, 2005 2009 .

1. 2. 3.

. , . , , , - . . , ,

. , , - , . RESUME The article describes the attraction of investments in tangible assets of the regional budgets. Author determines the facts, causing the specific financial asset management at the level of public funds; also article describes the difficulties and prospects of financial asset management of regional budgets and ways of their distribution. In addition, the article examines the relationship of private investment and development of Kazakhstans regions.

. . , , , (. , ), kate_at_@mail.ru , . , . , . , . , , , , , , , . , , . . ,

. , . 2 10 % . , . , . , . . , , , .

, , . , . , . . , : ; ; ; ; ; HR , . , , , . , . , , , , , , , , learning, . . mentoring , . , , , . secondment. Secondment , , . , . , . , , .

;

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, , , . , . . , . , . , . . , , , . , , . , . , -, . , , , -, . , , , , . (). . , () , . . / . .

. . . . , . . , , . . . . , , . . , GMP. . : 1. .. . . , 2011. 2. http://revolution.allbest.ru/management/00019266.html 3. http://www.akkonty.ru/articles/articles_38.html 4. http://www.bibliotekar.ru/biznes-33/23.htm 5. http://www.hr-portal.ru/tags/razvitie-personala 6. http://www.kpo.kz/index.php?id=1&L=1 7. http://www.romat.kz/ 8. http://www.seminarna.ru/articles/124/84/147.html 9. http://www.ubo.ru/articles/?cat=102

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FEEDBACK IN ORGANIZATIONS Fedko Leonid Capital Stewardship & Organizational Capability Expert / Project Management Consultant Student MBA Program International Academy of Business, MBA department (Almaty, Kazakhstan) fedko-kz@yandex.ru INTRODUCTION In this paper I would like to explore the subject of using feedback. The reasons I am bringing this up because in my personal career I had a chance to work in different organizations within Kazakhstan and can see the impact of using feedback. And I see feedback as an important element of todays successful business I do not think that many companies are using this tool (I mean feedback) and as a result not getting real benefits from it. And may be the reason is that because feedback perceived is something from personal level, just something happening between people and not something that should be elevated to organizational level to improve the business Here I will try to connect personal and organizational feedback needs and build the case of using effective feedback in organizations Lets talk about effective feedback and why creating environment where people constantly exchanging, providing and receiving feedback to each other is important for todays successful business? FEEDBACK And before we go to the discussion about why it is important we need to define and answer a few questions first. Like.. What is feedback? What does effective feedback mean? And what means creating effective feedback environment within organization? Ok..Feedback in my view is when people openly communicate expressing their own opinion about others verbal or non verbal behaviors, feelings, words, etc.. when people make own observations and afterword they express opinions whether face to face talking strait to each other , writing emails or even in non verbal forms like gestures , expressions , mimics etc.. Based on that definition we can easily say that everybody do it every day one way or another. We have lots of communication every day such as meetings, discussions, conversations, emails, phone calls etc.. We meet, talk and exchange opinions with people at work, at home in restaurants, fitness clubs, grocery shops, etc.. We discussed about many things with our wife or husband, children, boss, colleges, friends, relatives. At work we have to talk and exchange

opinions at least five days per week with our clients, contractors, partners, project team members, consultants, managers, subordinates, co-workers, customers, consumers, etc It looks like we all use feedback in our life but the thing is that some people get advantage from exchanging feedbacks and able to develop good relationships, making better decisions , improving life quality and be able just having fun and enjoy being with people at work or at home And other extreme is where people get depressed; decisions get stuck, relationships are impacted in the negative way, and people just not feeling comfortable around other people while exchanging opinions. it is mostly about gossips, and rumors Yes, we are all affected when Your boss says that on important meeting today you did excellent job making your point clear, and helping other participants to express their views and concerns. And this ultimately helped to find the good solution supported by everybody. Kind of win-win case or Your college letting you know that you are not really listening what other people saying when some options had been discussed regarding the certain issue or Your wife says that you talking too much and not letting others to express their views or Your partner disagree with you on something and blaming you on it because of your ability coming to mutual agreement or Your friend telling you where you are doing well or where you are not doing so well or even where you are terrible on something And of course that some feedbacks are very nice and pleasant and when we receive it we feel ourselves very good and motivated. And other feedbacks are not looking that good and basically telling us what is we are lacking of. And that could be missing some skills, knowledge, certain behaviors and maybe some habits which have not really helping us or even creating some problems during our interactions with others.. And we are all effected the same way and what making the difference is how do we react on it. Our REACTION is what making us better or worse.. Our reaction is what leads us to the success or failure, to up and down. And as a consequence from our reaction we have whatever its call but lets call it RESULTS REACTION FEEDBACK REACTION RESULT

Lets think about meaning of the word reaction is RE-ACTION. Other words its what we do. And when we get impulse in the feedback form from others it makes us do or not do something. And this do or not do is our reaction As famous Steven Coveys book says that between stimulus and response there is a gap. And that gap is our freedom to act which determines quality of our life. Its like our destiny in one small gap But what would be the predecessor to our reaction?? And I would say that this gap is our ATTITUDE to something or somebody which determine our further reaction ATTITUDE FEEDBACK ATTITUDE REACTION RESULT And now its time to define what is it effective feedback. In my simple term this is something like: when it leads to actions when we feel motivated when we what to change and improve things when it leads to positive desired outcome or we can see positive effect.. when we feel good, when we see the progress, and when we proud of what we did and what we got as a result

But something is wrong in this logic because if reaction and result is dependent on attitude it makes no difference whatever feedback we received and it will be useless because we have our attitude. And to get different reaction and result we need to have different attitude first. So to be able to have positive result or designed result what we need is CHANGE and this way we can influence attitude and get different reaction and different effect. Lets try to write down the logic of effective feedback CHANGE, AFFIRMATION & EFFECTIVE FEEDBACK EFFECTIVE FEEDBACK CHANGE ATTITUDE REACTION RESULT Definition of effective feedback would be like - type of feedback which leads to changing attitude and actions producing good results or positive effect. But what if we get positive feedback and we just need to keep doing what we are doing and our attitude is what is really needed. Then we can say that effective feedback leads to whether change or AFFIRMATION of our attitude. And we just replace change to affirmation in our logic EFFECTIVE FEEDBACK AFFIRMATION ATTITUDE REACTION RESULT And based on the definition of effective feedback lets try to understand what means creating good feedback culture or environment. This must be environment which stimulates and promotes

exchanging feedbacks between people in the organization. And those feedbacks are effective otherwise leading to change or affirmation of people attitudes leading to good results ORGANIZATION Now its time to find out why feedback is important for achieving success in organizations And first lets talk about what is successful organization in todays world? And even what is todays business world? Today business is very high competitive due to many factors such as internet, globalization, new technologies etc and also owing to organizations such as World Trade Organization (WTO) promoting trade and business between countries which includes already more than 150 countries and in next 20-30 years probably almost all countries in the world will be WTO members And what COMPETITIVENESS does is stimulates companies to find more effective and efficient way of producing and delivering products or services. To survive in the competitive world what companies need to do is to be able to watch around what other companies competitors are doing what market demand and how its changing and why searching ways of being more cost effective and use resources at optimum level and on and on and on

What it basically does is forcing companies to become LEARNING organizations and with kind of sustainable CHANGING philosophy. Because todays business world moving too fast and if you not up to speed today and not IMPROVING, tomorrow you might be out of business. And there are many examples where successful organizations are not doing well and had to give up their markets, products and services to other rapidly growing companies.. Good examples are Car makers industry such as GM, Fords lost their strong positions and now Japanese companies such as Toyota, Mitsubishi are ahead of American companies regarding to cost, quality, reliability and services support or Computer industry as IBM and Dell, Microsoft and Apple. Where IBM in 1992 was close to crises or Apple has lost software market opportunities and Microsoft took it over. Lets put together the logical chain for successful organizations LEARNING CHANGING IMPROVEMENT COMPETITIVENESS Looking at this chain we can see that learning leads to changes such as further optimization, modernization or creation of something new. So to be learning is very important element of todays business in order to have a constant improvement. And I think we are very close to be able to answer question why feedback is an important for todays successful business?

Looking at logic above I can see that something missing there, something that drives learning, change and improvement in organization. How organization can be learning? Its not organization.. Its people, employees who can learn, change and improve things. Its only the people. And the problem with people that we are all subjective and the only thing can help us to be more open minded and see different reality and opportunity and become learning are other peoples words, opinions, discussions, ideasAnd putting in one word is what we need is feedback from other PERSONAL AND ORGANIZATIONAL LEVEL How about if we fit learning element to personal and organizational feedback chain Personal level EFFECTIVE FEEDBACK LEARNING CHANGE ATTITUDE REACTION RESULT Organizational level EFFECTIVE FEEDBACK LEARNING CHANGE IMPROVEMENT COMPETITIVENESS And what we can see is that in personal level feedback leads to learning, learning to change and have appropriate attitude that leads to right actions and good results And on organizational level again feedback leads to learning and changing to further improvement and be more competitive in todays business world Finally, to answer the question from beginning... why feedback is important for todays successful business? I would say the following: Feedback leads to learning Feedback leads to different attitude Feedback leads to improvement Feedback leads to change Make companies more competitive Lead to better result Make companies more sustainable in todays business

Go ahead and promote feedback culture exchange in your organization because it will definitely influence the business result. The only thing I would say is that we need be careful how you do it. As in many cases HOW you are saying is equally or even more important as WHAT you are saying . But about how to use feedback effectively we will talk perhaps next time

REFERENCES 1. Block, Peter. Flawless Consulting, Published by Preiffer, 2000

2. Covey, Stephen R. The 7 Habits of highly effective people, Published by Free Press, New York, 1989 3. Goleman, Daniel, Emotional Intelligence, Published by A Bentam Book, 1995 4. Herbold, Robert J. Seduced by Success, Published by McGraw-Hill, 2007 5. Tracy, Brian. Maximum Achievement, Published by Simon & Schuster,1993 6. Maxwell, John C. The 360 Leader, Published by Nelson Business, 2005

Success Factors for Online Business in Kazakhstan Mau A.A.MBA student, International Academy of Business (Almaty, Kazakhstan), AimanMau@gmail.com Today the world is full of different kinds of businesses. The main business models are Brick and Mortar (a company that uses a building or store for retail operations), Brick and Clicks (a company that integrates both offline (bricks) and online (clicks) presences) and Electronic Commerce (buying and selling of products or services over electronic systems such as the Internet and other computer networks). All various types of the businesses have been tried out in most of the developed countries, but Kazakhstan, still being a developing country, has not achieved the same level of sophistication in this area. There have been many studies and surveys conducted and devoted to this subject around the world, but the Kazakhstani economy still has much to be studied and researched. Because Kazakhstan is a very large country geographically with a relatively small economy, online businesses are concentrated mostly in the biggest cities. The chart below shows the revenue level of online businesses in the cities of Kazakhstan where, according to the calculations of PROFIT Online, Almaty has the biggest share 51%.

Picture 1. Shares by revenue level from e-business in Oblasts and cities of Kazakhstan

The offline business today is quite developed in Kazakhstan, whereas the online business is now trying to expand and develop. There are many new online shops appearing in the market, but not all of them are destined to have a long life. The reasons for ecommerce failures are various and not easy to overcome. However, any obstacle can be removed with some effort if a detailed analysis why it appeared is made.

In this article we will try to analyze which exact reasons can serve as obstacles in the way of developing online shops in Kazakhstan and the steps to eliminate these obstacles. Specifically, this paper analyzes the success factors related to businesses that use the Internet as a portal for retail transactions, not those businesses that create and maintain web pages for other non-retail/sales purposes. Also, this paper is focused on on-line businesses owned privately by entrepreneurs with little capital investment. It does not address corporate retailers or companies with large revenues and employees. First, an examination of the main reasons for the failure of ecommerce throughout the world is required. #1 Internet business is not as easy to start and run as it seems. Most people think that having their own e-business would allow them to earn a lot of money with little effort and spend more time with their families. The assumption is that you start the business and it runs on its own. In fact, after starting an online business, the owner is more likely to have less time with the family than running a brick and mortal retail outlet. S/he would feel chained to the computer all day long. The money is not easy to earn and keep earning. And the owner has to regularly update, upgrade the website and work with the customers [1,19]. Possible solution: The e-entrepreneur should think out of something that s/he really enjoys doing or has skills in, then it would be much easier to run this business. S/he should be ready to devote almost all of his/her time at the beginning to the development and maintenance of the website. #2 When starting an e-business some entrepreneurs do not make any strategic planning or/and proper market research: target audience, internal and external analysis, SWOT analysis, and competitive analysis. Possible solution: It is not enough to just launch the website, there should be a mission, strategy, goals set for the business prior to launching it. Otherwise it is more likely to fail. #3 Selling the wrong product or service. Some things are not a good idea to be sold online, i.e., perishable goods or items that require touching and feeling. A good example here is Webvan, an online "credit and delivery" grocery business that went bankrupt in 2001. This online supermarket was managed and operated by people who had no or little experience in retail food. Webvan founder Louis Borders, founder of Borders Books & Music, was an expert in selling books, but books do not expire or spoil [3]. Possible solution: Thorough market research should be conducted before even making a business plan for an online shop. It is better to find a niche market and that would likely sell very well rather than attempt to sell everything to reach every consumer. #4 No strong branding of the website [1, 13]. Any website needs to create a good first impression. If the web design is poor, then a visitor would think that the seller tried to save money on this. Therefore, it psychologically makes the consumer think that the owners tried to save on the security and product quality too. And that causes the consumer to shop at another site with a more professional and highquality appearance. Similarly, web sites that are too complicated and slow turn off potential buyers because they get frustrated navigating and waiting for complicated graphics to load.

Possible solution: The webpage has to be different from others in a good sense; it has to have something that will attract customers attention and never let it go. A good web designer should be hired. It is better to pay more at the beginning rather than save and then loose everything later. The content should be proofread so that there are no misspellings or grammatical errors. #5 There is no boss to set and control the deadlines, so