Proud of myself, when I rejected Byju's Executive's offer for educational counseling of my child back in 2013 or 14. Their methodology is to create insecurity in Parents & child's mind that we are not good enough and only Byju's can help . They get parents contact number by conducting some crap exam in school . Without this crap Byju's app , my child cleared JEE Adv ,and joining India’s Premier institutes for higher studies.
I remember that ass exam i wrote in School during 2015 . I still hate how those assholes called my mother and irritated her . They stopped calling when my mother give my fathers number to them . They can manipulate mothers but not fathers .
@@LordKurian People fall for idiots like Byjus when the have unfounded fear about the future of their child. It doesnt matter it's father or mother. I have seen father's getting cheated too. If you are insecure someone will take advantage. Byjus was that parasite
@@LordKurianboy , I’m 38 year old working for an MNC & leading a team in the field of logistics ,in the competitive rat race people would define this as “Successful “,1advise son define ur own success & derive ur own happiness,these wannabe Byju followers will emerge time to time from there burrows time to time
Greed, Greed and only Greed of the founders is the main reason. Secondly the unethical stand of auditors over the years, and thirdly the failure of law enforcement agencies to track and tackle the predatory tactics meted against the consumers.
What you think it is that easy😂closing by authorities would mean bailing out forging investors first then closing the gate on byjus govt has a lot of imp things which demands money instead of bailing startups govt didn't even consider bailing go first airlines which had to file bankruptcy 😂😂bjp govt in any circumstances won't come front for a startup , whatever noise it may have created
I remember once he said with a psychotic smile on his face-" We are number one and no one is near to us. Evennif any one tries to reach us, you all know what i can do..... Just buy them". I started hating this man and the firm since then and quit in 3 months
Shahrukh khan ka fees virat ka kohli ka fees ...Lionel messi ka fees .....or sales ho nhi paa rha .....expenses krte jao sales ho naa itna business toh pan wale ko bhi smjh aataa h ...yeah marketing ke naam pe kya chutiyapa Padhya jaarha h MBA cllgs
The fact that they manipulated poor parents into taking loans when they didn't have enough money was the worst they could've done. I've heard numerous stories where they would persuade parents and force them to buy their courses. Truly outrageous acts 😡. I had hoped since then that this company must fall. Bcoz it was never an edtech company it was always a scam.
I really wish they fall into a bottomless pit. Greed surely gets you the money but it has its costs. Manipulating people (especially poor parents) is one of the worst things anyone can ever do.
@@kurukshetrawar6680Its scam bro....I was there and quit In a month.. I was a bda, I daily hear parents telling they lost money. The sales team and marketing team has high pressure from their managers to complete target.
@@kurukshetrawar6680 I am an ex-employ of byjus.. I say he's true I made sales around 2.8 lakh rupees in 2months and never received incentive and it's been 11 months and they layed of me with no reason...No HR and central team will respond to our emails Dogs atleast show some faith but people in byjus will never
I can't believe that Byju and Divya got so greedy to the point where they were willing to put other families and kids into financial trouble and mental agony. As such this company deserves to go bust.
Why would he put his money on ill reputed company and ruin his name he made for many years ? He did ad for it doesn’t mean he will be ok with them exploiting customers
@@radhakrishnarathipalli8141 yes.. as a teacher i had prevelage to work with them for a while.. 😄 Crazy people.. never talk to the point.. bus idhar udhar ki baate karke ghumate rehte hai..
" Higher they climb, Harder they fall " Byjjus business model based on aggressive expansion and bashful enthusiasm led to the doom.. I am happy that law of karma caught up with this Guy..
A catastrophic throw despite having a massive first-mover advantage. A classic case study for management and marketing students on how not to run a business.
Yup.. i had some collaboration with them for a while as a teacher.. very weird staff and team they have.. Never talk to the point.. bus idhar udhar ki baate karke ghumate rehte hai.. "Chor ke dadhi mi tinka" type
Byju's had no plan to actually construct any educational system at all. The entire company was only marketing, that too in a very disingenuous manner. Not to mention basically not having any professionalism in the company. It is an absolute fraud and I think the founders belong in jail.
Aggressive and scare mongering marketing perhaps caused a lot more damage I think. In a 60 sec call from Byju first thing they start with is to try and scare the parents that their children are hopeless without Byju. Not sure who devised this strategy.
I disagree. Education can be done without a trainer, after basic level are cleared. Driving car is a different scenario that applied to let's say learning how to swim. But you can learn a lot of subjects from books, like many people have done without mentors/teachers.
Instead of signing up Messi, Sindhu, Shah Rukh etc to promote its brand, if they had focused on high quality education by engagng with finest academics and scientists from around the world, Byjus would have been a different story. Its a missed oppotunity for the edtech sector
Byju’s Hire Sales team majority from Multi level marketing background, these people are professional in pressurising potential customers and using all the hooks and crooks 😅 So what can you further expect from them
Byju has pocketed millions in nefarious ways. Now what is being staged is a media drama , what with the owner shedding crocodile tears while not even having the ethics to deposit PF money of the employees. They say karma is a bitch...hope it is true in this case!
Changing market conditions was also one of the reasons. Byju's went on an aggressive acquisition spree to acquire top digital educational giants within India and abroad. This was during the COVID era. The company thought that online learning was here to stay and replace the offline and chalk and duster method of teaching with a more personalized one. But with the pandemic gone schools opened and offline coaching was dominant again. The strategy and prediction about the future trend backfired miserably.
I hope Byju never recovers. One of my friend was employed there and so much mentally tortured him. The founder knew everything but still was mouth shut. He deserves to suffer whole life
I was waiting for the last part, as expected, they found a new way for sucking people's blood by parasitising on their hard earned money via IPO...Beware investors 😂
This company will never & ever will revive. Waste of money to the investors better shut the company and give peaceful justice to the parents, children and employees. #shutdownbyjus
call me old fashioned ... but i see this as a curse from brainwashing poor salaried parent into thinking that without it their children will not make it after school, especially during the covid pandemic time, when schools did not know how to take classes online and keep tabs on children's education
@@Honeybear0488 if you check pradeep poonias latest video, you will see that they target minimum wage parents and not middle class or upper mid class. they lure them by saying that their child will be studying on the same platform as SRK, Rohit sharma etc..... i dont think they are smart enough to do their own research .... if they were, they wont be min wagers.
Parents should stop paying much for education. Stop these system & dont encourage this Education is our rights. If these guys make this as corporate business, then even kindergarten will become like dream.. Those whoseever make money with basic educations are criminals worst fellows than thieves. He targeted all middle class family & looted all money
5 years ago, Literally they made me sob by coming to home making me feel like a fool. Oh my god....They literally told me that I should buy their class or else I end up nowhere. I wish I should have outspoken little me just felt worthless . They literally asked me questions from physics when I am commerce student saying that everything I know is wrong, infront of my parents wasting 2 hr of mine I just installed Byju's and searched to find something helpful but they called me repeatedly , I uninstalled the app. But oneday my mom innocently picked that up they said I am selected for scholarship and my mom believed that and gave them our address. I know it's not appropriate to feel like this but I am glad for their downfall honestly 😅 Oh god the way they said that I lack this & that . They asked me what I want to become in future I replied CA but they said I can never be one , The drama that happened that day.......oh god the marketting team is cruel to students.
Parents shud hav used some common sense. How can a normal person jus blindly believe any ad on tv , are u really tat insecure?? Was no one getting gud education before byju existed ??
Yeah...A lady called me an askd me tat i got selected for their company..Whn she asked my location..i refused to say ...Then her modulation of her tone was changed... Abruptly she cut the call
Greed Greed Is not Mr Shah Rukh Khan and the others mentioned in their advertising campaigns.... how do they handle their immoral morality.... what is their thinking process ? their ultimate accountability to.... Him, before Whom, all' of us will have to stand One Day.
Mere 2 bachhon Parimal aur Prachi ke liye 94000 ka plan becha gya par aaj tk n bill mila na hi plan sambandhi koi jankari diya gaya ₹10000 cash liya ₹84000 ka loan cenceletion ke liye 1 sal ho gya apply kiye huye ab tak refund nhin kiya gya
I am shocked why the govt is not taking any step and closing this scam. It's the way old tech support scam but in licensed way. Mr byju is the next Nirav Modi and Mallya.
Byju should have learnt the lesson from the bad example of costly marketing of infamous KING fisher airlines .. and good example of INDIGO airlines for meagre spending on marketing and spending more on quality
Totally disgusting company without ethics and morality. Even the employees showing too much of care while making money from the parents and never pick up the call. This company should reach the end very soon. WAITING FOR THE END OF BYJUS
I joined one in byjus 98000 neet course paid full money, service worst, customer care worst, they are still thinking about refunding the money, if you feel that the future life of your children should be good from the point of view of your peace and health, don't join byjus and don't suggest it to anyone else
Well but the company was more interested in politics, removing srk from adds and all during controversy. I think the staff had more interest in politics than in their own company
I think aakash is the final hope to get out of this massive financial distress. If they utilize the brand of aakash educational services they might get some breath. But should follow ethics n morals on which aakash was nurtured and emerged as tycoon.
The vision of Byju's was good but its execution was bad. You also need honesty and integrity if you are doing business and more if you are going to do it long term. Make good with customers, employees, stakeholders and actually live up to your vision is what would have made it successful. It had everything just lacked honesty and delivering on their promises and also mismanagement of finance.
Proud of myself, when I rejected Byju's Executive's offer for educational counseling of my child back in 2013 or 14. Their methodology is to create insecurity in Parents & child's mind that we are not good enough and only Byju's can help . They get parents contact number by conducting some crap exam in school .
Without this crap Byju's app , my child cleared JEE Adv ,and joining India’s Premier institutes for higher studies.
I remember that ass exam i wrote in School during 2015 . I still hate how those assholes called my mother and irritated her . They stopped calling when my mother give my fathers number to them . They can manipulate mothers but not fathers .
@@LordKurian People fall for idiots like Byjus when the have unfounded fear about the future of their child. It doesnt matter it's father or mother. I have seen father's getting cheated too. If you are insecure someone will take advantage. Byjus was that parasite
@@LordKurianboy , I’m 38 year old working for an MNC & leading a team in the field of logistics ,in the competitive rat race people would define this as “Successful “,1advise son define ur own success & derive ur own happiness,these wannabe Byju followers will emerge time to time from there burrows time to time
Greed, Greed and only Greed of the founders is the main reason. Secondly the unethical stand of auditors over the years, and thirdly the failure of law enforcement agencies to track and tackle the predatory tactics meted against the consumers.
This company must be closed and not to be allowed to raise money via IPO
credibility of regulators?????
hohoho.
Who is going to buy in this bad IPO
What you think it is that easy😂closing by authorities would mean bailing out forging investors first then closing the gate on byjus govt has a lot of imp things which demands money instead of bailing startups govt didn't even consider bailing go first airlines which had to file bankruptcy 😂😂bjp govt in any circumstances won't come front for a startup , whatever noise it may have created
Let them do IPO...only jokers will buy😂😂
Yes byju scam must be closed
This company must be shutdown in order to retain Indian talent 🚫
I remember once he said with a psychotic smile on his face-" We are number one and no one is near to us. Evennif any one tries to reach us, you all know what i can do..... Just buy them". I started hating this man and the firm since then and quit in 3 months
Were you an employee?
@@kurukshetrawar6680 what else do you think!
Same here bro
He? Who
@@paromita_ghosh he, who ruined the careers of lakh of youngsters and who cheated millions of families.
There should be healthy competition.But Byju's tried to become the monopoly by so many acquisitions spending beyond its means
Shahrukh khan ka fees virat ka kohli ka fees ...Lionel messi ka fees .....or sales ho nhi paa rha .....expenses krte jao sales ho naa itna business toh pan wale ko bhi smjh aataa h ...yeah marketing ke naam pe kya chutiyapa Padhya jaarha h MBA cllgs
Agrs lenskart, Sugar or Mamaearth nhi sudhra toh woh bhi aesa hi kreyga
Where were these media houses when pradeep poonia was fighting his case?
Pradeep punia, the only wolf in the world of sheeps, damm respect for that guy.
Shutdown this fraud company.. parents are simply suffering
Byju's is built of blood on innocent and poor parents. They are in debt trap thanks to byju's. This is just karma coming back for them.
The fact that they manipulated poor parents into taking loans when they didn't have enough money was the worst they could've done. I've heard numerous stories where they would persuade parents and force them to buy their courses. Truly outrageous acts 😡. I had hoped since then that this company must fall. Bcoz it was never an edtech company it was always a scam.
I really wish they fall into a bottomless pit. Greed surely gets you the money but it has its costs. Manipulating people (especially poor parents) is one of the worst things anyone can ever do.
Yes, I,m ex employee of byjus and it is 100% scam
Now, where are you working bro??
You worked for a scam bro, you're also an ex-scammer
Really? Or are you saying out of hatred?
Genuinely I want to know. Please reply
@@kurukshetrawar6680Its scam bro....I was there and quit In a month.. I was a bda, I daily hear parents telling they lost money. The sales team and marketing team has high pressure from their managers to complete target.
@@kurukshetrawar6680 I am an ex-employ of byjus.. I say he's true I made sales around 2.8 lakh rupees in 2months and never received incentive and it's been 11 months and they layed of me with no reason...No HR and central team will respond to our emails Dogs atleast show some faith but people in byjus will never
"CAT is way below your level" : These were the words by Raveendran Byju when I attended the coaching way back in 2013
Did you crack it?
Usko bolna hi aata hai padhana nahi.sare college main ja kar ye bolta hai
@@JasonMomos Not IIM but did get into Tier 2 B-school
@@jeevankamadinni5360 which one bro what percentile what acads i am worried about acads
"Dare to think beyond the IIMs" - remember this. Scamsters never learn.
I can't believe that Byju and Divya got so greedy to the point where they were willing to put other families and kids into financial trouble and mental agony. As such this company deserves to go bust.
A penis driven man, who married his gold digger employee, what else you can expect, two most disgusting people who don't know professional boundaries
Why not Shahrukh Khan help Baiju back with his wealth?
Didn't he get paid for selling online Rummy?
LoL
Why would he put his money on ill reputed company and ruin his name he made for many years ? He did ad for it doesn’t mean he will be ok with them exploiting customers
Iam very proud that i rejected to continue in this unethical company no matter how much pressure i was put under
Yup.. i just wonder exactly where did they find such a weird team and the staff..
Crazy people they are
@@amitpalve1 it is not about the staff or the team but is about the ethics they follow
@@radhakrishnarathipalli8141 yes.. as a teacher i had prevelage to work with them for a while.. 😄
Crazy people.. never talk to the point.. bus idhar udhar ki baate karke ghumate rehte hai..
Mr. Byju Raveendran You are going to pay for all your deeds
" Higher they climb, Harder they fall " Byjjus business model based on aggressive expansion and bashful enthusiasm led to the doom.. I am happy that law of karma caught up with this Guy..
He forgot teaching and focused on extortion of middle class
muddle class???
sad bitter truth....
A catastrophic throw despite having a massive first-mover advantage. A classic case study for management and marketing students on how not to run a business.
Yup.. i had some collaboration with them for a while as a teacher..
very weird staff and team they have..
Never talk to the point.. bus idhar udhar ki baate karke ghumate rehte hai..
"Chor ke dadhi mi tinka" type
Byju's had no plan to actually construct any educational system at all. The entire company was only marketing, that too in a very disingenuous manner. Not to mention basically not having any professionalism in the company. It is an absolute fraud and I think the founders belong in jail.
Aggressive and scare mongering marketing perhaps caused a lot more damage I think. In a 60 sec call from Byju first thing they start with is to try and scare the parents that their children are hopeless without Byju. Not sure who devised this strategy.
Education in virtual won't work alone with out in person trainer, it's like driving car in video games not like on roads...
I disagree. Education can be done without a trainer, after basic level are cleared. Driving car is a different scenario that applied to let's say learning how to swim. But you can learn a lot of subjects from books, like many people have done without mentors/teachers.
do you know how pilots are trained to fly aircraft?
@@diigitalname6582ultimately they have to pass the flying test, not just simulator test 😂😂
😂😂😂😂😂😂😂😂@@pramod8838
Their fake and over sales and marketing were disgusting
Instead of signing up Messi, Sindhu, Shah Rukh etc to promote its brand, if they had focused on high quality education by engagng with finest academics and scientists from around the world, Byjus would have been a different story. Its a missed oppotunity for the edtech sector
Byju’s Hire Sales team majority from Multi level marketing background, these people are professional in pressurising potential customers and using all the hooks and crooks 😅 So what can you further expect from them
Not every businessman is TATA! TheTrust... Goodwill goes a long way
Red alert whenever kINGKONG SHarukh khan promotes education related co. In the past IIPM, now byju's
When education becomes business this happens... Student n teacher relationship became customer n businessman relation
Byju has pocketed millions in nefarious ways. Now what is being staged is a media drama , what with the owner shedding crocodile tears while not even having the ethics to deposit PF money of the employees. They say karma is a bitch...hope it is true in this case!
Sharukh khan jis bhi add main ata wo company fraud hi lagti hai
I think they went too quick for celebrity spending. That too celeb like SRK.
Too late for ByJu. Om Shanti.🙏
"Byju is really good.. My kids have excelled in class and are now going to Harvard University🎓"
- said no parent ever 😅
From Byju to Ghonchu, compromising ethics and morals one always pays the price
Take money 💰
Byjus वालों ने मेरे साथ भी बहुत बड़ा scam किया है। क्या कोई मेरी मदद कर सकता है इनका पर्दा फाश करने में। मेरे पास इनके खिलाफ सारे सबूत हैं।
फिर किसकी राह देख रहे ,प्रुफ के साथ पुलिस कंप्लेंट करो
All Evill should come to end one day.. god knows who pays so much for tuitions and SRK is vacationing on the money he earned in crores..
First of all get rid of SRK. That very name is synonymous with ghotala.
Their were exposed when they bought that scam company white hat jr
No mistakes, blind ambition motivated by greed n insensitivity...
Informative video
No one is speaking about the contribution of news channels who published paid news celebrating the absurd valuations
Changing market conditions was also one of the reasons. Byju's went on an aggressive acquisition spree to acquire top digital educational giants within India and abroad. This was during the COVID era. The company thought that online learning was here to stay and replace the offline and chalk and duster method of teaching with a more personalized one. But with the pandemic gone schools opened and offline coaching was dominant again. The strategy and prediction about the future trend backfired miserably.
One word ... Karma
Even if they go for an IPO, it is a scam by the greedy founders, don't apply for it or buy any shares
I hope Byju never recovers.
One of my friend was employed there and so much mentally tortured him.
The founder knew everything but still was mouth shut. He deserves to suffer whole life
Unfortunately he won't. The founders have already pocketed millions and nothing is going to happen to them if this crooked company falls.
@ashreyapathak5526 money can't win soul ( bhagwat Gita and Bible)
Lost 75 k fees paid, no follow up by their teacher
After fees, nil support
EMI still paying
Byju is night mare, fake and scam
I was waiting for the last part, as expected, they found a new way for sucking people's blood by parasitising on their hard earned money via IPO...Beware investors 😂
Only fools will invest in Aakash IPO (If they launch it) 😂
Truth, values,ethics are important for victory. He had political and. Religious affiliations as well so,stay away for politics and religious patronage
Very good video. Problem and solution shared to them simultaneously.
When greed comes as hindthought then it will be the end of one's journey. Another story added to that list..Bye-Bye Byjus.
Please also talk about skill-lync and Eduvanz. Both they doing scam with student.
Education should be for everyone to be fair. It should never be a money making machine.
aggressive marketing and poor customer service leads to this condition
Thanks I got New TH-cam Channel to Learn More Knowledge and improve myself.
This company will never & ever will revive. Waste of money to the investors better shut the company and give peaceful justice to the parents, children and employees.
#shutdownbyjus
call me old fashioned ... but i see this as a curse from brainwashing poor salaried parent into thinking that without it their children will not make it after school, especially during the covid pandemic time, when schools did not know how to take classes online and keep tabs on children's education
Internet was still there .. phone system was still there.. I wish they had second opinion about this company
@@Honeybear0488 if you check pradeep poonias latest video, you will see that they target minimum wage parents and not middle class or upper mid class. they lure them by saying that their child will be studying on the same platform as SRK, Rohit sharma etc..... i dont think they are smart enough to do their own research .... if they were, they wont be min wagers.
Greed greed greed
Conclusion honestly is the best policy
He should have focused on growing organically instead of raising so much money and unnecessary acquisitions.
All celebrities and company owner made money while parents suffered and took loan 😂😂😂
Karma is real guys
Let's ByJUS and Akash go ... Let's reclaim our kids'lives.
Pradeep Poonia destroyed Byjus
Commerse without morality
Parents should stop paying much for education.
Stop these system & dont encourage this
Education is our rights.
If these guys make this as corporate business, then even kindergarten will become like dream..
Those whoseever make money with basic educations are criminals worst fellows than thieves.
He targeted all middle class family & looted all money
How having Messi adds credibility in the Education sector...is anybody's guess 😂
Pure hubris that!
5 years ago, Literally they made me sob by coming to home making me feel like a fool.
Oh my god....They literally told me that I should buy their class or else I end up nowhere.
I wish I should have outspoken little me just felt worthless .
They literally asked me questions from physics when I am commerce student saying that everything I know is wrong, infront of my parents wasting 2 hr of mine
I just installed Byju's and searched to find something helpful but they called me repeatedly , I uninstalled the app.
But oneday my mom innocently picked that up they said I am selected for scholarship and my mom believed that and gave them our address.
I know it's not appropriate to feel like this but I am glad for their downfall honestly 😅
Oh god the way they said that I lack this & that . They asked me what I want to become in future I replied CA but they said I can never be one , The drama that happened that day.......oh god the marketting team is cruel to students.
who would even think of buying their ipo 😂😂
Parents shud hav used some common sense. How can a normal person jus blindly believe any ad on tv , are u really tat insecure?? Was no one getting gud education before byju existed ??
I didn’t even know byjus existed till now 😂.. I live in us .. we have other education platforms .
Litzy Mission
The curse of poor parents
Yeah...A lady called me an askd me tat i got selected for their company..Whn she asked my location..i refused to say ...Then her modulation of her tone was changed... Abruptly she cut the call
Mint is group of intellectual goon
Greed
Greed
Is not Mr Shah Rukh Khan and the others mentioned in their advertising campaigns....
how do they handle their immoral morality....
what is their thinking process ?
their ultimate accountability to....
Him, before Whom, all' of us will have to stand One Day.
The promoters must be jailed for not remitting PF and Tax money to the Government
Mere 2 bachhon Parimal aur Prachi ke liye 94000 ka plan becha gya par aaj tk n bill mila na hi plan sambandhi koi jankari diya gaya ₹10000 cash liya ₹84000 ka loan cenceletion ke liye 1 sal ho gya apply kiye huye ab tak refund nhin kiya gya
Byju,s mixed up marketing and education.
I am shocked why the govt is not taking any step and closing this scam. It's the way old tech support scam but in licensed way. Mr byju is the next Nirav Modi and Mallya.
What is the difference/similarities between Vijay mallya's failure and Byju's failure?
Did Byju Raveendran really score 100 percentile in CAT?
This company should be closed and the founder should be put in Jail asap!
Call it by any name, a scam is a scam is a scam.
Byju's seems like it is going the Enron way
Word customer is not appropriate for students every education institution must work like fatherhood to students
2:34 mpd
Byju should have learnt the lesson from the bad example of costly marketing of infamous KING fisher airlines .. and good example of INDIGO airlines for meagre spending on marketing and spending more on quality
Its not miss management. It’s mismanagement.
Totally disgusting company without ethics and morality. Even the employees showing too much of care while making money from the parents and never pick up the call. This company should reach the end very soon. WAITING FOR THE END OF BYJUS
what is Crore?
Indian numbering system, 1 crore = 115K usdt
Byju mon's greed for money....
I joined one in byjus 98000 neet course paid full money, service worst, customer care worst, they are still thinking about refunding the money, if you feel that the future life of your children should be good from the point of view of your peace and health, don't join byjus and don't suggest it to anyone else
Only one word: GREED
and super inflated EGO
Shahrukh khan destroyed Byju's
Byju’s destroyed Byju’s
greed. What goes up must come down hard. When you core is greed and not love for your customers this is what happens.
Well but the company was more interested in politics, removing srk from adds and all during controversy. I think the staff had more interest in politics than in their own company
ok, no big loss
It's a fraud and I hope it will end soon.
I think aakash is the final hope to get out of this massive financial distress. If they utilize the brand of aakash educational services they might get some breath. But should follow ethics n morals on which aakash was nurtured and emerged as tycoon.
The vision of Byju's was good but its execution was bad. You also need honesty and integrity if you are doing business and more if you are going to do it long term. Make good with customers, employees, stakeholders and actually live up to your vision is what would have made it successful. It had everything just lacked honesty and delivering on their promises and also mismanagement of finance.