Documenti di Didattica
Documenti di Professioni
Documenti di Cultura
Prepared for: Abu Sayeed Talukder Professor, Department of Marketing, University of Dhaka.
Prepared by: Bakerstreet Sl No. 1. 2. 3. 4. 5. 6. Name baidul !o"ue #$%& $ias Uddin )hy ,ishad Ahmed Md. Ariful .slam Sugandha Mubin 1an 2ie Roll '( *+ (-/ 0/ *+'
Contents
67e8utive Summary about ,etailing99..999999999999999999.5 .ntrodu8tion999999999999999999999999999999..Types of retail shop in :angladesh9999999.99999999999999.Types of retail outlets9999999999999999..9999999999.Types by produ8ts999999999999999..999999999999..; Types of retailers by marketing strategy9999999999...99999999...; ,etail pri8ing99.. 9999999999999999999999999999..9*' )hallenges999999999.99999...999999999999999..*5 Sales te8hni"ues9999999999999999999999999999.*)ustomer Servi8e9999999999..9999999999999999....*; ,etail 8hain .ndustry in Dhaka )ity: *. A$ ,A9999999999999999999999999999.*+ (. Meena :a<aar99999999999999999999999999.*0 :angladesh prospe8tive in ,etailing99999999999999999999..(; )on8lusion99999999999999999999999999...999..(3
About Retailing:
Retail is the sale of goods and servi8es from individuals or businesses to the end4user. ,etailers are part of an integrated system 8alled the supply 8hain. A retailer pur8hases goods or produ8ts in large "uantities from manufa8turers dire8tly or through a =holesale, and then sells smaller "uantities to the 8onsumer for a profit. ,etailing 8an be done in either fi7ed lo8ations like stores or markets, door4to4door or by delivery. ,etailing in8ludes subordinated servi8es, su8h as delivery. The term >retailer> is also applied =here a servi8e provider servi8es the needs of a large number of individuals, su8h as for the publi8. Shops may be on residential streets, streets =ith fe= or no houses or in a shopping mall. Shopping streets may be for pedestrians only. Sometimes a shopping street has a partial or full roof to prote8t 8ustomers from pre8ipitation. are forms of non4shop retailing. ,etail trade is one of the traditional businesses of :angladesh. .ts e7pansion is keeping pa8e =ith population gro=th and 8hanges in 8onsumption patterns, =hi8h are 8onsistent =ith the gro=th of the e8onomy. This e7pansion has not been stru8turally organi<ed, be8ause, until re8ently, retailing had never been per8eived as an industry, but rather as an nline retailing, a type of ele8troni8 8ommer8e used for business4to48onsumer #:()& transa8tions and mail order,
individual or family business entity =ith a very limited s8ope of organi<ed e7pansion. %ittle to no market information is available on the retail se8tor, but se8ondary sour8es indi8ate that the si<e of the food retail se8tor in :angladesh 8ould be US?*(4*- billion, and the number of retail gro8ery shops 8ould be around * million. ,etail is one of the biggest sour8es of employment #*( per8ent&, and it 8ontributed *5 per8ent #=holesale and retail trading& to :angladesh@s $DP. rgani<ed retail is booming and 8reating huge opportunity for enterprises. ,etailers though sell other 8ompanies produ8ts =ork out their o=n marketing strategies fi7ing their o=n target market to=ards providing 8ustomer satisfa8tion separately.
Introduction:
The retail industry provides an e78iting =ay of life for the more than (5 million people =ho earn their livelihood in this se8tor of the :D e8onomy. ,etailers provide the goods and servi8e you and . need4from food, auto parts, apparel and ele8troni8s to advi8e, home improvement, and skilled labor. Shopping generally refers to the a8t of buying produ8ts. Sometimes this is done to obtain ne8essities su8h as food and 8lothingA sometimes it is done as a re8reational a8tivity. ,e8reational shopping often involves =indo= shopping #Bust looking, not buying& and bro=sing and does not al=ays result in a pur8hase.
,etail stores irrespe8tive of produ8t line and relative pri8es emerge in all shape and si<es, su8h as Spe8ialty stores, Department stores, Supermarkets, Superstore, )onvenien8e stores, Dis8ount stores and off4 pri8e stores.
Types by products
,etail is usually 8lassified by type of produ8ts as follo=s: Cood produ8ts D typi8ally re"uire 8old storage fa8ilities.
!ard goods or durable goods #>hardline retailers>& D applian8es, ele8troni8s, furniture, sporting goods, et8. $oods that do not "ui8kly =ear out and provide utility over time. Soft goods or 8onsumables D 8lothing, apparel, and other fabri8s. $oods that are 8onsumed after one use or have a limited period #typi8ally under three years& in =hi8h you may use them.
Dis8ount stores D tend to offer a =ide array of produ8ts and servi8es, but they 8ompete mainly on pri8e offers e7tensive assortment of mer8handise at affordable and 8ut4rate pri8es. 2ormally, retailers sell less fashion4oriented brands.
1arehouse stores D =arehouses that offer lo=48ost, often high4"uantity goods piled on pallets or steel shelvesA =arehouse 8lubs 8harge a membership feeA
Eariety stores D these offer e7tremely lo=48ost goods, =ith limited sele8tionA
Demographi8 D retailers that aim at one parti8ular segment #e.g., high4end retailers fo8using on =ealthy individuals&. Mom4And4Pop D a small retail outlet o=ned and operated by an individual or family. Co8uses on a relatively limited and sele8tive set of produ8ts.
Spe8ialty stores D a typi8al spe8ialty store gives attention to a parti8ular 8ategory and provides high level of servi8e to the 8ustomers. A pet store that spe8iali<es in selling dog food =ould be regarded as a spe8ialty store. !o=ever, branded stores also 8ome under this format. Cor e7ample if a 8ustomer visits a ,eebok or $ap store then they find Bust ,eebok and $ap produ8ts in the respe8tive stores.
:outi"ues or )on8ept stores D similar to spe8ialty stores. )on8ept stores are very small in si<e, and only ever sto8k one brand. They are run by the brand that 8ontrols them. An e7ample of brand that distributes largely through their o=n =idely distributed 8on8ept stores is %F )).TA26 en Proven8e. The limited si<e and offering of %F )).TA26Fs stores are too small to be 8onsidered a spe8ialty store proper.
$eneral store D a rural store that supplies the main needs for the lo8al 8ommunityA
)onvenien8e stores D essentially found in residential areas. They provide limited amount of mer8handise at more than average pri8es =ith a speedy 8he8kout. This store is ideal for emergen8y and immediate pur8hases as it often =orks =ith e7tended hours, sto8king every dayA
!ypermarkets D provides variety and huge volumes of e78lusive mer8handise at lo= margins. The operating 8ost is 8omparatively less than other retail formats.
Supermarkets D a self4servi8e store 8onsisting mainly of gro8ery and limited produ8ts on non4food items. They may adopt a !i4%o or an 6D%P strategy for pri8ing. The supermarkets 8an be any=here bet=een (',''' and -',''' s"uare feet #5,3'' m(&. 67ample: SPA, supermarket.
Malls D has a range of retail shops at a single outlet. They endo= =ith produ8ts, food and entertainment under a roof. )ategory killers or )ategory Spe8ialist D by supplying =ide assortment in a single 8ategory for lo=er pri8es a retailer 8an >kill> that 8ategory for other retailers. Cor fe= 8ategories, su8h as ele8troni8s, the produ8ts are displayed at the 8entre of the store and sales person =ill be available to address 8ustomer "ueries and give suggestions =hen re"uired. vi8inity. ther retail format stores are for8ed to redu8e the pri8es if a 8ategory spe8ialist retail store is present in the
64tailors D the 8ustomer 8an shop and order through internet and the mer8handise are dropped at the 8ustomerFs doorstep. !ere the retailers use drop shipping te8hni"ue. They a88ept the payment for the produ8t but the 8ustomer re8eives the produ8t dire8tly from the manufa8turer or a =holesaler. This format is ideal for 8ustomers =ho do not =ant to travel to retail stores and are interested in home shopping. !o=ever, it is important for the 8ustomer to be =ary about defe8tive produ8ts and non4se8ure 8redit 8ard transa8tion. 67amples in8lude Ama<on.8om, Pennyful, and e:ay.
Eending Ma8hines D this is an automated pie8e of e"uipment =herein 8ustomers 8an drop the money in the ma8hine and a8"uire the produ8ts.
Some stores take a no frills approa8h, =hile others are >mid4range> or >high end>, depending on =hat in8ome level they target.
Automated ,etail stores D self4servi8e, roboti8 kiosks lo8ated in airports, malls and gro8ery stores. The stores a88ept 8redit 8ards and are usually open (-G3. 67amples in8lude HoomShops and ,edbo7.
:ig4bo7 stores D en8ompass larger department, dis8ount, general mer8handise, and =arehouse stores. ,etailers 8an opt for a format as ea8h provides different retail mi7 to its 8ustomers based on their 8ustomer demographi8s, lifestyle and pur8hase behaviour. A good format =ill lend a hand to display produ8ts =ell and enti8e the target 8ustomers to spa=n sales.
Retail pricing:
The pri8ing te8hni"ue used by most retailers is 8ost4plus pri8ing. This involves adding a markup amount #or per8entage& to the retailerFs 8ost. Another 8ommon te8hni"ue is suggested retail pri8ing. This simply involves 8harging the amount suggested by the manufa8turer and usually printed on the produ8t by the manufa8turer. .n 1estern 8ountries, retail pri8es are often 8alled psy8hologi8al pri8es or odd pri8es. ften pri8es are fi7ed and displayed on signs or labels. Alternatively, =hen pri8es are not 8learly displayed, there 8an be pri8e dis8rimination, =here the sale pri8e is dependent upon =ho the 8ustomer is. Cor e7ample, a 8ustomer may have to pay more if the seller determines that he or she is =illing andGor able to. Another e7ample =ould be the pra8ti8e of dis8ounting for youths, students, or senior 8iti<ens.
Staffing:
:e8ause patronage at a retail outlet varies fle7ibility in s8heduling is desirable. 6mployee s8heduling soft=are is sold =hi8h, using kno=n patterns of 8ustomer patronage, more or less reliably predi8ts the need for staffing for various fun8tions at times of the year, day of the month or =eek, and time of day. Usually needs vary =idely. )onforming staff utili<ation to staffing needs re"uires a fle7ible =orkfor8e =hi8h is available =hen needed but does not have to be paid =hen they are not, part4time =orkersA as of ('*( 3'I of retail =orkers in the United States =ere part4time. This may result in finan8ial problems for the =orkers, =ho =hile they are re"uired to be available at all times if their =ork hours are to be ma7imi<ed, may not have suffi8ient in8ome to meet their family and other obligations.
Transfer me#hanisms:
There are several =ays in =hi8h 8onsumers 8an re8eive goods from a retailer: )ounter servi8e, =here goods are out of rea8h of buyers and must be obtained from the seller. This type of retail is 8ommon for small e7pensive items #e.g. Be=elry& and 8ontrolled items like medi8ine and li"uor. .t =as 8ommon before the *0''s in the United States and is more 8ommon in 8ertain 8ountries like .ndia.
Delivery, =here goods are shipped dire8tly to 8onsumerFs homes or =orkpla8es. Mail order from a printed 8atalog =as invented in *3-- and =as 8ommon in the late *0th and early ('th 8enturies. rdering by telephone =as 8ommon in the ('th 8entury, either from a 8atalog, ne=spaper, television advertisement or a lo8al restaurant menu, for immediate servi8e #espe8ially for pi<<a delivery&, remaining in 8ommon use for food orders. .nternet shopping 4 a form of delivery 4 has e8lipsed phone4ordering, and, in several se8tors 4 su8h as books and musi8 4 all other forms of buying. Dire8t marketing, in8luding telemarketing and television shopping 8hannels, are also used to generate telephone orders. started gaining signifi8ant market share in developed 8ountries in the ('''s.
Door4to4door sales, =here the salesperson sometimes travels =ith the goods for sale.
Digital delivery or Do=nload, =here intangible goods, su8h as musi8, film, and ele8troni8 books and subs8riptions to maga<ines, are delivered dire8tly to the 8onsumer in the form of information transmitted either over =ires or air4=aves, and is re8onstituted by a devi8e =hi8h the 8onsumer 8ontrols #su8h as an MP5 playerA see digital rights management&. The digital sale of models for 5D printing also fits here, as do the media leasing types of servi8es, su8h as streaming.
Challenges:
To a8hieve and maintain a foothold in an e7isting market, a prospe8tive retail establishment must over8ome the follo=ing hurdles: J ,egulatory barriers in8luding ,estri8tions on real estate pur8hases, espe8ially as imposed by lo8al governments and against >big4bo7> 8hain retailersA ,estri8tions on foreign investment in retailers, in terms of both absolute amount of finan8ing provided and per8entage share of voting sto8k #e.g., 8ommon sto8k& pur8hasedA J Unfavorable ta7ation stru8tures, espe8ially those designed to penali<e or keep out >big bo7> retailers #see >,egulatory> above&A J Absen8e of developed supply 8hain and integrated .T managementA J !igh 8ompetitiveness among e7isting market parti8ipants and resulting lo= profit margins, 8aused in part by K )onstant advan8es in produ8t design resulting in 8onstant threat of produ8t obsoles8en8e and pri8e de8lines for e7isting inventoryA and J %a8k of properly edu8ated andGor trained =ork for8e, often in8luding management, 8aused in part by4 %a8k of edu8ational infrastru8ture enabling prospe8tive market entrants to respond to the above 8hallenges.
Sales techniques:
:ehind the s8enes at retail, there is another fa8tor at =ork. )orporations and independent store o=ners alike are al=ays trying to get the edge on their 8ompetitors. ne =ay to do this is to hire a mer8handising solutions 8ompany to design 8ustom store displays that =ill attra8t more 8ustomers in a 8ertain demographi8. The nationFs largest retailers spend millions every year on in4store marketing programs that 8orrespond to seasonal and promotional 8hanges. As produ8ts 8hange, so =ill a retail lands8ape. ,etailers 8an also use fa8ing te8hni"ues to 8reate the look of a perfe8tly sto8ked store, even =hen it is not.
A destination store is one that 8ustomers =ill initiate a trip spe8ifi8ally to visit, sometimes over a large area. These stores are often used to >an8hor> a shopping mall or pla<a, generating foot traffi8, =hi8h is 8apitali<ed upon by smaller retailers.
Customer service:
)ustomer servi8e is the >sum of a8ts and elements that allo= 8onsumers to re8eive =hat they need or desire from your retail establishment.> .t is important for a sales asso8iate to greet the 8ustomer and make himself available to help the 8ustomer find =hatever he needs. 1hen a 8ustomer enters the store, it is important that the sales asso8iate does everything in his po=er to make the 8ustomer feel =el8omed, important, and make sure he leaves the store satisfied. $iving the 8ustomer full, undivided attention and helping him find =hat he is looking for =ill 8ontribute to the 8ustomerFs satisfa8tion.L-M Cor retail store o=ners, it is e7tremely important to train yourself and your staff to provide e78ellent 8ustomer servi8e skills. :y providing e78ellent 8ustomer servi8e, you build a good relationship =ith the 8ustomer and eventually =ill attra8t more ne= 8ustomers and turn them into regular 8ustomers. %ooking at long term perspe8tives, e78ellent 8ustomer skills give your retail business a good ongoing reputation and 8ompetitive advantage
AGORA:
'ommer#ial dri(ers:
6stablished in (''*, Agora aims to e7pand from five outlets to fifty bet=een ('** and ('*;. Cive ne= shops =ere opened in August ('**. The resulting in8rease in demand for high "uality, safe and sustainably4sour8ed produ8e is the main 8ommer8ial driver for Agora. Thirty per8ent of revenue depends on supply of fresh produ8e #baked goods, fruit, vegetables, 8hi8ken, fish and beef& from fifty one SM6s. Developing long4term relationships =ith e7isting suppliers and in8reasing suppliers@ 8apa8ity to produ8e a reliable and sustainable supply of fresh produ8e is 8riti8al to the e7pansion of Agora.
A further driver is the potential impa8t Agora 8ould have on the rest of the retail se8tor in :angladesh, in leading by e7ample, implementing best pra8ti8e and supplier 8apa8ity building.
&e(elopment impa#ts:
Many of Agora@s suppliers are based in some of :angladesh@s poorest distri8ts. The in8reasing demand for fresh produ8e from Agora gives suppliers an opportunity to e7pand their business. The provision of business development servi8es enables suppliers to build their 8apa8ity to e7pand effe8tively. Su8h e7pansion 8an benefit SM6 employees and small farmer suppliers as =ell as the SM6 se8tor more =idely. $ood pra8ti8e in ethi8al and sustainable buying is in8luded in the support servi8es, so that suppliers 8an benefit from stable and ethi8al pro8urement 8ontra8ts =ith SM6s, driven by the gro=th in the retail se8tor.
.n addition to the dire8t benefits to those in the Agora supply 8hain, the initiative has the potential to en8ourage =ider se8tor developments. The in8reased implementation of best pra8ti8es in ethi8al and sustainable buying from produ8ers and the development of :DS for SM6s, may all 8ontribute to=ards a more sustainable and in8lusive retail se8tor in :angladesh.
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" )e#ti(es of *a#ility engagement +"#to er 2,11.n 8ollaboration =ith :.C, Agora =ill build a 8apability model for fresh produ8e suppliers and assess the 8urrent 8apability of suppliers against this model. Agora =ill then build 8apa8ity =here needed by supporting improved pro8urement of 8apital e"uipmentA me8hani<ed produ8tion pro8esses and training in a range of business skills.
The business development servi8es market to SM6s is underdeveloped in :angladesh, parti8ularly in addressing the needs of the retail se8tors. This proBe8t is innovative be8ause it =ill enable a better understanding of the needs of this se8tor and stimulate the market for these servi8es
Bangladesh
/ow in#ome fo#$s Re(en$e model *ood type /o#ation Targeting S$pply #hain 0ar!eting #omm$ni#ation
Agri8ulture N foodA ,etail, manufa8turing N 8onsumer goods Small and medium enterprise #SM6& suppliers #appro7imately ;' SM6 suppliers in bakery, fast food, fruit , vegetables, beef, 8hi8ken and fish %o= in8ome fo8us Developing 8apa8ity of fresh produ8e suppliers for Agora e7pansion )onsumable food Dhanmondi, Magba<ar, Oamalapur others Upper and upper middle 8lass !ori<ontal strategy :oth AT% an :T%
!!"A
#A$AAR:
'ompany Re(iew:
Target )orporation, formerly Meena :a<aar, is a general mer8handise retailer, 8omprised of three operating segments: Target, MervynFs and Marshall CieldFs. Target, an ups8ale dis8ount 8hain, 8ontributed /(I of the )ompanyFs (''* total revenues. MervynFs, a middle4market promotional department store, 8ontributed *'I of total revenues. Marshall CieldFs, in8luding stores formerly named DaytonFs and !udsonFs, is a traditional department store lo8ated in eight states in the upper Mid=est. .t 8ontributed 3I of total revenues.
Targeting:
Target is a family4oriented dis8ount retailer. The )ompany operates appro7imately *,''' Target stores in -+ states. Stores are usually one level, and average *(+,''' s"uare feet. Stores typi8ally emphasi<e basi8 mer8handise, in8luding apparel, personal 8are produ8ts, home de8orating produ8ts and automotive items. The )ompany also operates SuperTarget stores, =hi8h 8ombine gro8ery and general mer8handise in a super8enter format. SuperTarget features the )ompanyFs Ar8her Carms Market produ8ts and related servi8es, in8luding in4store bakery, but8her, deli and prepared foods departments. ther offerings in8lude a 8offee bar, as =ell as banking, pharma8y and photo studio servi8es.
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Target.dire#t
The )ompanyFs dire8t mer8handising and ele8troni8 retailing organi<ation, target.dire8t, operates four 1ebsites that support the store and 8atalog brands in an online environment. target.dire8t also produ8es five retail 8atalogs. Target )orporation also o=ns Asso8iated Mer8handising )orporation, =hi8h sour8es the apparel and hard lines mer8handise for the )ompany. .t also provides international sour8ing for a number of retailers.
'$rrent &e(elopments:
As of /G'(, the )ompany operated *,*'3 Target lo8ations, (+- Meena :a<<ar, and +Marshall CieldFs lo8ations throughout the U.S. Cor the (+ =eeks ended /G5G'(, revenues rose *-I to ?*0.++ billion. 2et in8ome rose 5*I to ?+/0 million. ,evenues refle8t
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in8reased revenues at Target due to the opening of ne= stores. 6arnings also benefited from improved operating margins.
B$siness "$tloo!
"egative Influences on the Company:
Target )orp. announ8ed that sales for the )ompany =ere =ell belo= its plan for the month of September and as a result, the )ompany has modestly lo=ered its near4term e7pe8tations for sales and earnings. 2o parti8ular figures =ere provided. 1all Street analysts on average =ere e7pe8ting the )ompany to report earnings per share of ?'.5' on revenues of ?*'.5* billion for the third "uarter and earnings per share of ?'.33 per share on revenues of ?*-.;( billion for the fourth "uarter, a88ording to Multe7.
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The population of Dhaka #areas under the Burisdi8tion of the Dhaka 8ity 8orporation& stands at appro7imately 3.' million. The 8ity, in 8ombination =ith lo8alities forming the =ider metropolitan area, is home to over *; million as of ('*5.L/*M The population is gro=ing by an estimated -.(I per year, one of the highest rates amongst Asian 8ities.L+0M The 8ontinuing gro=th refle8ts ongoing migration from rural areas to the Dhaka urban region, =hi8h a88ounted for +'I of the 8ityFs gro=th in the *0+'s and *03's. More re8ently, the 8ityFs population has also gro=n =ith the e7pansion of 8ity boundaries, a pro8ess that added more than a million people to the 8ity in the *0/'s.L+0M A88ording to Car 6astern 68onomi8 ,evie=, Dhaka =ill be8ome a home of (; million people by the year.
The litera8y rate in Dhaka is also in8reasing fairly "ui8kly. .t =as estimated at +(.5I in (''*. The litera8y rate had gone up to 3(.3I by ('*' =hi8h is signifi8antly higher than the national average of ;+.;I.L-*M
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The 8ity population is 8omposed of people from virtually every region of :angladesh. The long4standing inhabitants of the old 8ity are kno=n as Dhakaiya and have a distin8tive diale8t and 8ulture. :et=een *;,''' to (',''' of the ,ohingya, Santal, Ohasi, $aro, )hakma and Mandi tribal peoples reside in the 8ity.L/5M Dhaka also has a large population of )hinese, Oorean, .ndian, :urmese and 2epali e7patriates =orking in different industries, students on SAA,) s8holarship and volunteer =ork.
Most residents of Dhaka speak :engali, the national language. Many distin8tive :engali diale8ts and regional languages su8h as )hittagonian and Sylheti are also spoken by segments of the population. 6nglish is understood by a large segment of the population, espe8ially for business purposes. There is a minority Urdu4speaking population, =ho are des8endants of displa8ed Muslims from eastern .ndia during *0-3 and sought refuge in 6ast Pakistan. The 8orre8t population is ambiguousA although offi8ial figures estimate at least -',''' residents, it is estimated that there are at least 5'',''' Urdu4speakers in all of :angladesh, mostly residing in refugee 8amps in Dhaka.
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*WINDOWS OF OPPORTUNITY - Today, finding the right goods or servi8es and 8reatively marketing them no longer assures that a retail firm =ill gro= and prosper. Qou must run your business =ith a 8onstant eye on the 8onsumer. Qou must have a strategi8 vie= of your business and fo8us on your positioning, 8hanging 8onsumer lifestyles, te8hnologi8al advan8es and 8ompetitive business 8on8epts. f all the habits of highly su88essful businesses that sell dire8tly to the 8onsumer, the ability to assess relationships =ith the marketpla8e is perhaps the most 8ru8ial. :eing able to anti8ipate and adapt to 8onstant 8hanges in the retail environment more "ui8kly and effe8tively than the 8ompetition is every retailer@s goal. The ability to harness the energy of 8hange is =hat separates innovative, energeti8, gro=ing, proStable 8ompanies from obsolete, stati8 failures.
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Conclusion:
The best retailers are outgoing, verbal people =ho like to live in the fast lane. Most retail Bobs present 8ontinual variety, meeting and mi7ing =ith people, 8reating your o=n opportunities, and generally engaging in self4promoting a8tivities. This is a dynami8 Seld that pla8es a high demand on responding "ui8kly to 8hange, bringing diverse elements and people together, =orking uns8heduled hours, taking reBe8tion, negotiating deals, resolving 8onfrontations, and adBusting to periods of high and lo= a8tivity. ,etailers should be people by people. :ut having the gift of gab and being 8omfortable in diverse and 8hanging 8onditions are not the only traits that 8ontribute to su88ess. 1hether you have a store, vending ma8hine, 8atalog or servi8e, organi<ational skills 8an make or break you. Qour ability to s8hedule payments, people, promotions and produ8ts re"uires a remarkable amount of planning, fo8us and perseveran8e.