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Get ready for global careers within risk Management at these best business schools across Europe.



Financial uncertainties. Legal liability. Technology issues. Management errors. Accidents. Natural disasters. are just a few of the outcomes that are the result of unforeseen dangers.

Every business decision comes with a degree of risk. It could be huge or small, and everything between. The question is, what can be done to minimize as much risk as possible?

Enter risk management. Risk management is the process of identifying, controlling, and assessing the risks to the company’s capital and earnings. It is about keeping the company’s highest interest as the primary purpose. It’s about analyzing the most low-risk methods companies can use to increase their profile, assist industries in improving workflow efficiency, and anticipate future outcomes in advance.

It is a wide area, which includes a variety of jobs. Some of the most well-known ones are loss control consultants, internal auditors, and compliance experts, for instance.


In a job that requires the management of risk, you’ll be a decision-maker for businesses, customers, and nations. If your curiosity is peaked by risk management, here are five schools offering postgraduate business programs which cover this topic:

MIB Trieste School of Management

MIB Trieste School of Management is your ticket to the dynamic world of insurance, risk management, consulting, and financial services. Source: MIB Trieste School of Management

People who reside in Trieste, the Italian city known as the “City of Knowledge,” have many to be thankful for. It’s a small, affordable but cosmopolitan city with everything you could need in everything from cafes and restaurants to theatres and film festivals. These attributes place the city first on the “Il Sole 24 Ore” 2021 rankings.

MIB Trieste School of Management is in the city, a small business school where the perks are extensive. The top specialized program at the university called that of the Master in Insurance and Risk Management (MIRM), is ranked fourth on the Eduniversal World Ranking and accredited by EFMD Global and ASFOR.

High-quality instructors and trainers for managers are the instructors of this course aligned to the industry curriculum. Under the guidance of these experts, participants learn superior managerial techniques and leadership techniques that impress prospective employers, both from the local and international markets. The MIRM can be flexible and accessible in person or on the internet as a part-time or full-time program. Students can customize their curriculum schedule and decide to finish it in two or one year.

Over 90% of the students land jobs within six months after graduation. MIRM is MIRM is your entry point into the exciting and highly influential world of risk management, insurance and consulting, and financial services.

The financial health of students is of the utmost importance to the school. This is why the university is proud of its low-cost postgraduate program. Additionally, there are merit-based scholarships available as well. This is due to the institutions’ sponsors and partners that depend on the Business School to educate the next generation of employees. Find out more reasons to consider MIB Trieste School Of Management’s MIRM.


Blekinge Institute of Technology Industrial Economics

It’s a place that provides both peace and quiet for study as well as opportunities for activities. Source: Blekinge Institute of Technology

Great forests and lakes. An excellent coffee culture. Skiing. Northern lights. If these sights in Sweden appeal to you, you must consider enrolling in the Blekinge Institute of Technology.

BTH is home to two campuses close to the sea and offers the convenience of being close to nature. On-campus, you’ll find libraries and lecture halls with cafes and restaurants and student accommodation, a student union, and the unique chance to dip in the water. The campus offers the peace and tranquility needed to study and possibilities for fun, and a stimulating environment for students.

In addition, a Master’s Degree with a focus on Industrial Economics and Management (MIEM) is the best way to prepare to be fully-equipped decision-makers capable of tackling real-world issues. It is designed for engineers who are active professionals who have worked in the field or who have experience in education in technical sciences. The MIEM program builds on students’ prior education in technical fields by teaching them the skills needed to deal with complex problems in all industries. The program runs for two years at a half-speed, and students are required to study for four semesters over two years.

In the third semester, students can choose between two specialized tracks: “Competition, production, and financial analysis” (Track 1) or “Marketing analysis, entrepreneurship, and strategy” (Track 2). Track 1 is suited for those who wish to improve their abilities in quantitative analysis as well as optimization of business. A course is “Investments and Risks” or the “Investments, Risk, and Uncertainty” course. However, students who want to increase their skills and knowledge in business strategy and development should choose Track 2.

Each course is unique and has different expectations and results. There isn’t a single course format. The dedicated team of instructors at BTH develops every class using a variety of learning opportunities. It is simple, BTH strives to provide the highest quality education in every course in the course. Find out more about how you can enhance your career prospects with the BTH degree by clicking here.

SKEMA Business School

Become leaders of tomorrow at SKEMA. Source: SKEMA

If you search for an international business school that will test and expand your professional knowledge to become decision-makers, SKEMA Business School will stand out as a top contender. SKEMA is recognized by professional associations, including EQUIS, AACSB, and EFMD Accredited EMBA. The courses are identified in France and China, the US, Brazil, and China.

In this environment, learning is guided by the expertise of research experts. The SKEMA programs aim to build students’ knowledge of business and equip them with the necessary skills to thrive in the world of globalization. The postgraduate degree program, called The Master of Science in Corporate Financial Management, is taught on all campuses, offering students of diverse backgrounds the opportunity to pick their desired study location.


The most appealing aspect of? Each campus can offer its unique courses: Fund Raising and Innovative Investments (Paris), Financial Advisory (Paris), Private Equity and Alternative Investment (Sophia Antipolis), Financial Risk Management -(FRM) – FRM certification and preparation (Belo Horizonte) along with Digital Finance and Fintech (Suzhou).

Whichever campus students select, The Master of Science in Corporate Financial Management utilizes blended learning strategies, which means that class time is arranged to allow for individualized instruction and discussion of the actual application of the theories.

Many SKEMA graduates can work as financial analysts, financial managers, treasury management and credit analysts, business development managers, and internal auditors, to name just a few. The program prepares students to be future leaders who can excel in any part of the globe.

NHH Norwegian School of Economics

Norway’s education system knows no bounds. Source: NHH Norwegian School of Economics/Facebook

Focus on northwestern Europe, and you’ll discover Norway as the happiest nation anywhere. The United Nations have consistently ranked it as one of the top nations for people to reside in.

Its system of education knows no boundaries either. In 2018 the Norwegian government splurged more than 6.6 percent in its gross domestic product on education compared to 4.3 percent across other nations. The meager rate of dropouts in schools, low statistics on crime, and the excellent living standards are just a few reasons Norway is so loved by students.

If you’re looking to get the best risk management education available, look at NHH Norwegian School of Economics (NHH). The school’s MSc of Economics and Business Administration is the first choice among all schools in Norway for the most influential master’s program.


The program offers a variety of different majors that students can choose from, including one of them being the Economic Analysis major for those looking to build the necessary knowledge to be consultants, specialists, or manager in various areas of organizations and businesses. Students will develop into entrepreneurs who can ask the right questions about real-world issues.

This isn’t all. Students may choose to combine the MSc in Economics as well as Business Administration with NHH’s CEMS Master’s in International Management (CEMS MIM) program as well. They’ll be an integral part of the global partnership and benefit from a potent combination of theoretical and hands-on learning knowledge, which will help them launch their international career.

Durham University’s Business School

Obtain the tools, techniques, and knowledge to become the frontier of financial research. Source: Durham University Business School/Facebook

Durham University’s Business School (DUBS) The Durham University Business School (DUBS), one of the top UK institutions, is well-known for its remarkable collection that includes academic excellence, impressive research facilities, and accomplished students.

Due to its small area, students are one step away from where they’re supposed to be. Some stunning ancient structures around the campus are worth stopping for, such as an 11th-century castle that was a movie used in the Harry Potter series and is currently used as a student housing.

Dubs’ one-year full-time, all-time MSc on Financial Studies (Finance and Investment) program is designed to equip students with the necessary tools, techniques, and information at the forefront of research in finance.

Taught by a world-class faculty and supported by international-quality research, this intensive program will help students develop the analytical and practical skills required. All through each year, the students are given a chance to engage in extracurricular activities like Durham Speaker Series. Durham Speaker Series, which provides students with the opportunity to meet with top business executives and alumni, staff, and students.


DUBS is distinct from its association with its partner, the Chartered Financial Analyst Institute (CFA). Since CFA is CFA is the most respected association of investment professionals and the most widely accepted standard for the highest quality of technical excellence in finance, Students are desired by many employers worldwide. They receive a quality educational experience of the highest standard. They can take part in CFA’s CFA Global Investment Research Challenge, CFA Employer Network events, and CFA scholarships.

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Apple Plans To Double Its Digital Advertising Business Workforce.



The move raises industry concerns following the launch of privacy guidelines which make it impossible to create ads that are tailored to iPhone users

Apple plans to more than double its workforce within its rapidly growing digital advertising business in less than 18 months after it enacted radical privacy rules that crippled its larger competitors in the lucrative business.

The iPhone maker has about 250 employees per LinkedIn advertising platforms team. On the Apple careers website, it’s looking to fill additional 216 positions, which is quadruple the 56 positions that it had hired in the latter half of 2020. Apple denied the claims. However, it declined to provide any further details.

The digital advertising industry has been apprehensive over Apple’s plans for advertising since the company introduced privacy regulations this year, which have shaken up the market for digital ads worth $400 billion and made it more challenging to customize ads for Apple’s one billion+ iusers Phone .


Since the new policy was implemented, Facebook parent Meta, Snap and Twitter have lost billions of dollars in revenue and a significant amount in market valuations, even though other contributory factors exist.

“It was almost like a global panic,” Jade Arenstein, global service director at Incubate, a South African-based marketing performance firm, was quoted as saying about the impact of Apple’s recent changes.

The once-flourishing advertising business is “incredibly fast-growing”, according to an ad for jobs. The business has grown from a mere few hundred million dollars in revenue in the last quarter of 2010 to an estimated $5bn in the current year, according to research firm Evercore ISI, which expects Apple to be able to grow its $30 billion advertising revenue within four years.

Compared with Google and Facebook and their 2021 revenue from advertising was $115bn and $209bn. For instance, Apple’s business in advertising is small. The digital advertising industry is worried that it will increase due to establishing rules that critics and rivals believe provide it with an advantage.

“Building new ad systems to effectively compete with incumbents with tens of thousands of employees and 10 to 20 years of maturity would normally be an impossible task,” said Alex Austin, chief executive of the ad tech group Branch. “Unless,” he added, “you were somehow able to disadvantage those competitors on your platform.”


Apple has been for a long time the most prominent Big Tech outlier for not taking part in “surveillance capitalism” — the practice of offering customers free services but making money on their data through targeting ads on them.

“We could make a tonne of money if we monetized our customers — if our customers were our product,” chief executive Tim Cook said in 2018. “We’ve elected not to do that.”

However, with Apple having twice the number of developers who can purchase ads on the App Store over the last two years and preparing plans to expand, the critics are seeing Cook taking a significant turn.

David Steinberg, chief executive of Zeta Global, a marketing technology firm, said Apple had been “Machiavellian” and “brilliant” in implementing privacy regulations that required rivals to revamp their advertising infrastructure while creating an opening to fill the gap.

“They could build out (their advertising business) dramatically (and) the ‘air cover’ is they are protecting the consumer’s privacy,” said the researcher. Added.


Apple did not comment on its long-term plans. The job advertisements tell prospective employees that the company’s goals are nothing more than “redefining advertising” for a “privacy-centric” world.

The 216 positions Apple wants to fill are managers and designers of products, in addition to data engineers and sales experts.

An advertisement for an engineer, released on August 24, is a reference to “Apple’s most confidential and strategic plans” and explains how the company plans to “build the most secure technology-driven, technologically sophisticated . . . Supply (Marketplace) Platform and Demand Side Platform”.

These are the core aspects of an ad tech company that allows advertisers to purchase and sell ads across multiple exchanges, possibly advertising in mobile applications downloaded through the App Store. Apple may be able to consider apps for mobile “first-party” data because all activities take place on the iPhone, which is in line with its privacy regulations which ban third-party apps’ contentful monitoring of users.

The positions are predominantly located in the US. However, there are at least 27 roles in Europe and 12 in China and 12 in India and four located in Japan, as well as two positions in Singapore.


“That’s a giant team — that’s bigger than most small companies,” Arenstein said. Arenstein. “Wherever there is smoke, there is fire, and that’s some smoke.”

Apple has never been averse to advertising by itself. Its CEO Steve Jobs even tried to create an in-app advertising business in 2010, so that iPhone apps would remain completely free. Cook is against how personal information is purchased and traded by opaque third parties without iPhone users’ consent.

Yet, Apple set the rules regarding how advertisements should function and later expanding into this very subject is seen by many as unsatisfactory.

At the moment, it’s more secure — in terms of the economy of surveillance using an Apple phone over one that is a Google phone, as Google has designed its products to support surveillance, while Apple isn’t, in its essence, an advertising firm,” said Claire Atkin co-founder at Check My Ads, a surveillance agency. “But if Apple suddenly delves into that realm, they won’t have a that competitive advantage.”

Apple might be putting its image at risk if regulators and consumers oppose its privacy claims which have been a significant part of the recent iPhone campaigns. If the argument prevails, Apple would have an unobstructed runway.


Margo Kahnrose, Chief Marketing Officer at Skai, an omnichannel advertising platform, has said that she believes it “makes absolute logical sense” for Apple to develop its advertising network, following the lead of Google, Facebook and Amazon.

Adtech’s power has, she explained, for a long time been flowing from the decentralized “open web” to “walled gardens” run by one company that can control how ads are purchased and served, as well as how they are measured and tracked.

“The world has been unnerved by Apple’s ambitions for a long time,” she said. “There are a few companies that have vast quantities of power, and Apple is the one that is sleeping.

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Six Ways To Maintain A Growth Mindset While Running A Business.



To be successful as an entrepreneur, starting your business with the appropriate mentality is essential. A growth-oriented mindset implies always striving to improve the product or service you offer or the ability to communicate with people in your industry. Many companies start as small, but they expand in time to become massive businesses that impact people’s lives in the millions. However, this kind of growth isn’t a quick process – it requires a lot of time and effort, and it’s all with constant improvement.

Six Ways to Maintain a Growth Mindset While Running a Business.

1.) Change your outlook

If you’re in the business of managing, it’s easy to become caught up in the day-to-day and forget about the bigger perspective. However, if you’d like your business to flourish, keeping an attitude of growth is essential. Being able to open your mind to be fully engaged in the things you believe are the best for you is crucial.

2) Are you in your comfort zone?

One of the difficulties of managing a business is it’s easy to get into a routine. Once you’ve discovered a method that works, it might be tempting to stick to it. However, staying with the same formula with different outcomes isn’t intelligent. If you’re looking for your business to expand, make sure you alter things with slight adjustments to ensure that your business feels fresh and exciting.

3.) Be prepared to take the risk

Nobody said creating and running a company was easy, regardless of whether you’re putting together an exercise calendar or an entirely new line of clothing. It’s one of the most challenging tasks you’ll ever have to do. If you want to succeed, you must have a mindset of improvement. Create a staff around you. Find people who can assist your company in its growth. It’s not necessary to shoulder all the responsibility for your company. After all. Make sure you take sensible risks. There is undoubtedly a danger involved in taking risks, but when you take calculated risks, you reap a calculated reward. The most successful entrepreneurs realize that sometimes it takes a long time to bring an idea to fruition. Therefore, they remain in the game and push forward.


4.) Connect with others who are adamant about your abilities

One of the most effective methods to keep a positive mental attitude is to surround yourself with people who are confident in your abilities. If you’re always around optimistic people who believe in your ambitions, It’s easier to stay inspired and push ahead.

5) Discuss your concerns

If you’re in charge of an enterprise, it’s simple to become distracted by the day-to-day and forget about the bigger overall picture. It’s possible to worry about how to make ends meet and meet deadlines or having to deal with demanding customers. Discussing these concerns with the rest of your entrepreneurial friends and colleagues is essential to ensure that things stay on the right track.

6) Be focused on progress, not perfect

When you’re an entrepreneur is effortless to be caught in the pursuit of perfection. You’d like your service or product to look flawless before launching it, but the reality is that it’s impossible to be perfect. It is essential to keep in mind that the pace of progress will always be better than perfect. Start by taking it one day at a. The advantage of keeping a single day in mind at a time is that even should things not go as scheduled. It doesn’t matter since tomorrow is another day to start from scratch. Create workable goals. After creating some feasible goals, please keep track of them and assess how they performed based on outcomes rather than the amount of time and effort poured into them.

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What Is Good Debt and Bad Debt for a Small Business?



There are two kinds of loans for small companies. Find out which one is best and which one is not.

For many people, the term “debt” has negative connotations. However, when setting up a small-sized company, it is not necessary to stay clear of debt completely. There’s “good debt” that is essential for growth when you start an enterprise, but there’s “bad” debt that could cause long-term harm to your financial situation.

The difference between good and bad debt and how to manage your company’s finances to keep them in check.

Good debt in contrast to. Credit card debt What’s the distinction?

Lyle Solomon, principal attorney for Oak View Law Group, states, “good debt returns money to your pocket, but bad debt takes money from your pocket.”


“Debt that increases your future net worth is considered good debt, and debt that reduces your future net value is referred to as bad debt,” Solomon added.

Good debt

Kenneth Hearn, fund manager and director of research for Swiss One Capital AG, describes good small-sized business loans as the money borrowed to finance things that contribute to the development and growth of their company.

“This could be for anything from paying for improvements to meet new safety regulations or expanding your human resources team,” the man explained. “A general rule of ‘good debt’ is debt that is low-interest, or will increase the overall net worth of your business.”

Paying off your debts shows you have a good payment history, which your credit rating can show. The more debt types you can manage responsibly and pay off, the more favourable. This means that more lenders will permit you to get in the future.

Bad debt

When a lender takes out money to purchase an item that doesn’t increase in value or produce revenue, it is often regarded as bad credit. Any loan or borrowed funds that could lower the value of your company’s net future must be avoided. The signs of bad debt are the high-interest cost, fees, and strict loan repayment conditions.


Examples of lousy credit include cash advances and payday loans, usually called “predatory loans.”

“These loans . Target people with bad credit or low income with few options to consider,” Solomon added. Solomon. “[They often] come with exorbitant interest rates and unethical terms.”

Things to think about when making a “good debt an investment

If you are considering getting a loan, entrepreneurs in small businesses should consider the type of debt they’ll be taking on. If the lender takes out a loan for an asset that isn’t going to depreciate, for example, real estate, education, or their own company, on favourable terms, it’s considered to be a good debt.

“Healthy debt entails borrowing money for investing in items that do not depreciate over time,” Solomon explained. Solomon. “Keep the above in mind when you borrow money to run your business. Use the funds to minimize the chance of a catastrophe or loss.”

One approach small business owners may employ when borrowing money is to commit to the lowest rate of interest possible.


“Your interest payments are tax-deductible,” Hearn said. Hearn. “These tax deductions could help you get over the red line and into the realm of profitability. If you manage your cards correctly, interest rates can benefit you rather than against you.”

Strategies to get out of credit

If a small-sized business owner is trying to escape the burden of bad debt, There are options to overcome the situation. First, examine the company’s budget and financial statements.

“Financial management software has come a long way over the past couple of decades, and having proper procedures for data entry and its use from the start of your business is crucial to managing good or bad debt,” Hearn said. Hearn.

For business owners who are in “bad debt,” Solomon advised consolidating debts to one loan.

“Debt consolidation is an intelligent debt management approach to ensure you’re paying the lowest rates and on the most optimal or flexible terms available,” said the expert to CO–. “Such a move would benefit your business, as you can avoid worries regarding payments.”


Companies must ensure they have the funds to repay this consolidating loan, or it could negatively affect their business credit and financial situation. However, if used properly in the right way, consolidating or restructuring multiple debts is an innovative method of managing the finances of small businesses.

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