Wednesday, 5 October 2022

Question No. 2 - MMPC-005: Quantitative Analysis for Managerial Applications - MBA and MBA (Banking & Finance)

Solutions to Assignments

                            MBA and MBA (Banking & Finance)

MMPC-005: Quantitative Analysis for Managerial Applications

MMPC-005/TMA/JULY/2022


Question No. 2. Why is forecasting so important in business? Explain the application of forecasting for long term decisions. 

The future is inherently uncertain and since time immemorial man has made attempts to unravel the mystery of the future. In the past it was the crystal gazer or a person allegedly in possession of some supernatural powers who would make predications about the things-to be-major events or the rise and fall of kings. In today's world, predictions are being made daily in the realm of business, industry and politics. Since the operation of any capital enterprise has a large lead time (1-5 years is typical), it is clear that a factory conceived today is for some future demand and the whole operation is dependent on the actual demand coming up to the level projected much earlier. During this period many circumstances, which might not even have been imagined, could come up. For instance, there could be development of other industries, or a major technological breakthrough that may render the originally conceived product obsolete; or a social upheaval and change-of government may redefine priorities of growth and development; or an unusual weather condition like drought or floods may alter completely the buying potential of the originally conceived market. This is only a partial list to suggest how uncertainties from a variety of sources can enter to make the task of prediction of the future extremely difficult.
It is proper at this stage to emphasise the distinction between prediction and forecasting. Forecasting generally refers to the scientific methodology that often uses past data along with some well-defined assumptions or 'model' to come up with a 'forecast' of future demand. In that sense, forecasting is objective. A prediction is a subjective estimate made by an individual by using his intuitive 'hunch' which may in fact come out true. But the fact that it is subjective (A's prediction may be different from B's and C's) and nonrealisable as a Well-documented computer programme (which could be used by anyone) deprives it of much value. This is not to discount. the role of intuition or subjectivity in practical decision-making. In fact, for complex long term decisions, intuitive methods such as the Delphi technique are most popular. The opinion of a well informed, educated person is likely to be reliable, reflecting the well-considered contribution of a host of complex factors in a relationship that may be difficult to explicitly quantify. Often forecasts are modified based on subjective judgment and experience to obtain predictions used in planning and decision making.
The primary purpose of forecasting. is to provide valuable information for planning the design and operation of the enterprise. Planning decisions may be classified as long term, medium term and short term. Long term decisions include decisions like plant expansion or. new product introduction which may require new technologies or a. complete transformation in social or moral fabric of society. Such decisions are generally, characterised by lack of quantitative information and absence of historical data on which to base, the forecast of future events. Intuition and the collected opinion of. experts in the field generally play a significant role in developing forecasts for such decisions.

Technological Forecasting 
Technological growth is often haphazard, especially in developing countries like India. This is because Technology seldom evolves and there are frequent technology transfers -due to imports of knowhow resulting in a leap-frogging phenomenon. In spite of this, it is generally seen that logarithms of many technological variables show linear trends with time, showing exponential growth. Some extrapolations reported by Rohatgi et al. are 
• Passenger kms carried by Indian Airlines (Figure I) 
• Fertilizer applied per hectare of cropped area (Figure II) 
• Demand and supply of petroleum crude (Figure III) 
• Installed capacity of electricity generation in millions of KW (figure IV). 

Figure I: Passenger Km Carried by Indian Air Lines 




Delphi 

This is a subjective method relying on the opinion of experts designed to minimise bias and error of judgment. A Delphi panel consists of a number of experts with an impartial leader or coordinator who organises the questions. Specific questions (rather than general opinions) with yes-no or multiple type answers or specific dates/events are sought from the experts. For instance, questions could be of the following kind : 
• When do you think the petroleum reserves of the country would be exhausted? (2020,2040, 2060) 
• When would the level of pollution in Delhi exceed danger limit? (as defined by a particular agency)? 
• What would the population of India be in 2020, 2040 and 2060? 
• When would fibre optics become a commercial viability for communication? 

A summary of the responses of the participants is sent to each expert participating in the Delphi panel after a statistical analysis. For a forecast of when an event is likely to happen, the most optimistic and pessimistic estimates along with a distribution of other responses is given to the participant. On the basis of this information the experts may like to revise their earlier estimates and give revised estimates to the coordinator. It may be mentioned that the identities of the experts are not revealed to each other so that bias or influence by reputation is kept to a minimum. Also the feedback response is statistical in nature without revealing who made which forecast. The Delphi method is an iterative procedure in which revisions are carried out by the experts till the coordinator gets a stable response.
The method is very efficient, if properly conducted, as it provides a systematic framework for collecting expert opinion. By virtue of anonymity, statistical analysis and feedback of results and provision for forecast revision, results obtained are free of bias and generally reliable. Obviously, the background of the experts and their knowledge of the field is crucial. This is where the role of the coordinator in identifying the proper experts is important.

Opinion Polls 

Opinion polls are a very common method of gaining knowledge about consumer tastes, responses to a new product, popularity of a person or leader, reactions to an election result or the likely future prime minister after the impending polls. In any opinion poll two things are of primary importance. First, the information that is sought and secondly the target population from whom the information is sought. Both these factors must be kept in mind while designing the appropriate mechanism for conducting the opinion poll. Opinion polls may be conducted through 
• Personal interviews. 
• Circulation of questionnaires. 
• Meetings in groups. 
• Conferences, seminars and symposia. 

The method adopted depends largely on the population, the kind of information desired and the budget available. For instance, if information from a very large number of people is to be collected a suitably designed questionnaire could be mailed to die people concerned. Designing a proper questionnaire is itself a major task. Care should be taken to avoid ambiguous questions. Preferably, the responses should be short one word answers or ticking an appropriate reply from a set of multiple choices. This makes the questionnaire easy for the respondent to fill and also easy for the analyst to analyse. For example, the final analysis could be summarised by saying 

• 80% of the population expressed opinion A, 
• 10% expressed opinion B, 
• 5% expressed opinion C, 
• 5% expressed no opinion. 

Similarly in the context of forecasting of product demand, it is common to arrive at the sales forecast by aggregating the opinion of area salesmen. The forecast could be modified based on some kind of rating for each salesman or an adjustment for environmental uncertainties. Decisions in the area of future R&D or new technologies too are based on the opinions of experts. The Delphi method treated in this Section is just an example of a systematic gathering of opinion of experts in the concerned field. The major advantage of opinion polls lies in the fact that a well formed opinion considers the multifarious subjective and objective factors which may not even be possible to enumerate explicitly, and yet they may have a bearing on the concerned forecast or question. Moreover the aggregation of opinion polls tends to eliminate the bias that is bound to be present in any subjective, human evaluation. In fact for long term decisions, opinion polls of opinions of the experts constitute a very reliable method for forecasting and planning. 

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