Mike Hernandez

CEMEX

ITETHICS

1.     How did CEMEX fundamentally change the way it conducted its business? *

they changed their strategy from selling products to selling complete solutions.

2.     How does information systems contribute to CEMEX' competitive advantage? *

information systems has contributed to CEMEX competitive advantage by "boosting productivity and manage its opertations more efficiently, also by setting up excellent distibution infastructure and centralized computerized delivery network where every movement of the thruck is monitored real time, thus enabling on-time delivery of the cement and ready mix to it's customers"

3.     What is social capital? How does CEMEX build social capital? *

social capital is connection between social networks or among individuals.

4.     How are is the low-income savings characteristics of Mexican society characterized?

low-income savings do not have access to banks or credit that is why in the neighborhood they form tandas and the members of the the tandas pool in money as to which who willl receive money.

5.     How are the enterpreneurial characteristics of the women in Mexican society tied to the CEMEX BOP strategy? *

women are the key drivers of savings in the family, whether they are housemakers, business women or owners of a small business they handle the savings in the family

6.     What did the CEMEX initial market research in Guadalajara discover?

they discovered that instead of cement they used clay and limestones for the construction of houses

7.     What is the role of socios in the Patrimonio Hoy system? How important are they in the making the system successful? *

identify ways to provide access to credit for the poor for selling cement.to improve the brand perception of CEMEX

8.     Why do you think it was important for CEMEX to position itself as a complete solutions provider vs. just another product provider? *

it was important for CEMEX to position itself as a complete solutions prvider so that it will have a foundation or a basis of what they are presenting to the customers people have a more definite view of what they reaaly are.

9.     How is the social capital of Patrimonio Hoy promoters related to economic capital? *

patrimonio hoy system, people may  save their monney and also obtain an access to credit based on their savings and payment discipline

10.  What, in brief, is the value of Patrimonio Hoy to a) it's promoter b) its socios & partners c) its suppliers and d) its distributors? *

a)promoters are the ambassadors of patrimonio hoy who idnetify prospective customers,sell the idea of savings-credit to them and motivate them to enroll in their program

b)to build trust with people,offer access to credit providing materials in advance,offere good aulity cement

c)exerts collective bargain power by generating demand for materials,creating a consistent revenue stream and ensuring zero-risk collection money.

d)the company has pushed its products to distribution channels.

      11. What is patrimonio? Why is this important for the marketing efforts for the Patrimonio Hoy system? *

patrimonio hoy system, people may  save their monney and also obtain an access to credit based on their savings and payment discipline

12.How can Patrimonio Hoy offer a slightly higher price than its competitors and maintain a competitive edge?

by still offereing a more presentable product a product that will attract the attention of the customers because ot the result that they present to the customers.

13. How does the concept of freezing prices encourage socios to do more business for Patrimonio Hoy? *

freezing the prizes will lead to socios being encourages to do more business for patrimonio hoy because they will have a stable price range that people agree on.

14.

because they concentrate on the customers and not on the money that they will earn once they have sufficent number of customers it is enough for them to operate their system, their business.

15. What is the role of peer/community pressure in the Patrimonio Hoy lending model? *

comminity prsseure will lead more customers for them because people will be aware that their community is starting to evolve with new materials used for building their houses so since it is possible for the others since they see the others are already engaing with the patrimonio hoy lending model they to will be pressured to join the patrimonio hoy model to.

16. How has Patrimonio Hoy changed the consumer behavior in Mexico? *

they are now able to consume things regularly because of the patrimonio hoy they have the knowledge about banks and no are engaged with the process of credit.

17. What are the challengs of the Patrimonio Hoy program? *

to get people envolved with their program, getting people to trust their program and stay/connected to their program

18. What does Construmex take advantage of the existing remittance market between U.S.A and Mexico? *

they generate customer awareness,custoemr education,and building trust  in the Mexican community.

19. CEMEX Philippines is exploring the possibility of replicating the Patrimonio Hoy system in the Philippines. What are the parallels between the Mexican and the Philippine market? *

they are almost the same with the Philippine market so i think if they replicate  patrimonio hoy system i guess it will also work here in the Philippines

20. As an IT practitioner looking at the Construmex business model, what IT-driven systems can you propose to make CEMEX more competitive? (name 10-15) *

·project monitoring system

·cash flow system

·system integration with the other companies

·website

·online customer query system

·online registration for its customer

·risk management system

·inventory system

·system that will customer do price comparisons

·system that will provide easy access to its products

T