Islam vs. Christianity Essay

Christianity and Islam have numerous similitudes and can without much of a stretch be contrasted with each other. Both follow their underlying foundations to Abraham. Both put stock in prescience, God’s couriers (missionaries), disclosure, sacred writing, the revival of dead, and the centrality of strict network. This last component is particularly significant. Both Christianity and Islam have a communitarian measurement: what the congregation is to Christianity the â€Å"umma† is to Islam. Regardless of these huge likenesses, be that as it may, these two world religions have various huge contrasts too. I will talk about 3 points and really expound on their ethical lessons, jobs and (obligations) and social equity issues, I will likewise be examining their likenesses and contrasts. The prophet Muhammad stated: â€Å"I have been sent to consummate the morals†. The Quran is the standard (furqan). Anything that repudiates the Quran isn't from Islam. At the point whe n it comes something like separation in the Islam religion the book of scriptures says {2:231} And when you separate from ladies and they arrive at their endorsed time, at that point either hold them in great association or set them free with charity, and don't hold them for injury, so you surpass the cutoff points, and whoever does this, he to be sure is out of line to his own soul;†¦Ã¢â‚¬ ¦ this implies God empowers the couple to delegate authorities as the initial step to help in compromise during the time spent separation. On the off chance that the compromise step falls flat, the two people are ensured their entitlement to separate as built up in the Qur’an, yet the inquiry lies in what is the methodology for each. At the point when the man starts a separation, it is known as talaq. Anyway it is distinctive in the Christianity religion; it says that the completion of the legitimate joining between two wedded individuals is called separate. All through most ages and social orders types of separation have existed. Separation is an unnatural demonstration. It states in Matthew 19:8-9 ~ 8 Jesus answered, â€Å"Moses allowed you to separate from your spouses in light of the fact that your hearts were hard. However, it was not along these lines from the earliest starting point.  I disclose to you that any individual who separates from his significant other, with the exception of extramarital perversion, and weds another lady submits adultery.† Also Christians have confidence in the idea of â€Å"Original Sin† which implies that people are conceived as miscreants, bearing the weight of the â€Å"Original Sin† of Adam and Eve. Muslims don't put stock in the † Original Sin† for 2 principle reasons; In the Quran, God pardoned Adam for what he has done, and as per the Quran, noâ one ought to be made to shoulder the weight of somebody else’s sin or misstep since it is unreasonable. A similitude that the Islam religion and Christianity religion have is People ought to follow the Ten Commandments and the ethical lessons of the prophets. Islam, being religion of nature, comprehends that people are brought into the world with differing endowments. As they vary in their bodies and their highlights so they contrast in their psy chological and different capacities. Islam guarantees just and fair dispersion of riches among the individuals and, then again, gives government disability to poor people and the down and out as essential necessities of life. Other than that, Islam additionally shields the frail from the monetary abuse by the solid. All there are different perspectives and appearances of what is called Islamic social equity. In Christianity, what at that point, is social equity in Biblical terms? â€Å"Justice† and â€Å"righteousness† are a piece of a lifestyle, which God expects of us as His kin (see for example Micah 6:8; Ps. 11:7; 1John 3:7). This stems from the sort of character, which we have, and is thusly the impression of what God Himself is and how He acts (1John 3:7). Social equity is basically the manifestation of along these lines of life in our associations with others. It's anything but a choice that we may acknowledge or stay away from at our decision; it is a vital piece of our down to earth Christian living. Harmony is key to these 2 beliefs. This is reflected truly in their utilization of comparative welcome significance â€Å"peace be upon you†: pax vobiscum in Christianity, and salaam alaikum in Islam. Regularly, be that as it may, the welcome of harmony has been implied essentially for individuals from one’s own confidence network. Every religion has its own jobs and obligations, the Islam religion have there duties regarding spouses and privileges of the wife; there are four fundamental moves for wife’s in marriage, the first is Obeys husband on issues not against Islam, the second is Ensures the matrimonial privileges of the husbands; this implies as for closeness, a wife may not deny herself to her better half. As this is one reason why Islam sanctions marriage, on the grounds that in Islam sexual closeness is just appropriate carefully to a couple. The third is Protects husband’s respect and property this incorporates to not get anybody in his home whom he doesn't care for. On the off chance that, she’s endowed with any assets, she should release her obligation admirably and frugally. The fourth is to deal with the family unit and childhood of children’s government assistance. The husband’s jobs and obligation is to provideâ mahr (settlement), Serves as defender and the watchman of the spouse, and Treats wife with benevolence and decency, which intends to never toss profanity at the wife. In Christianity other than of the keeps an eye on job of accommodating the family and the women’s job says the capacity to appropriately deal with the family it says God made for a couple to partake in similar objectives however have various jobs. Together they praise each other and work together in agreement. A comparability is that Christianity and Islam accept that individuals ought to follow the Ten Commandments and the ethical lessons of the prophets. While talking about contrasts among Christian and Islam adore, we ought to likewise take note of that Muslims are mindful to the inside parts of love as well as to the outside perspectives also. In this Muslims share substantially more for all intents and purpose with Eastern Christianity than with Wester n Christianity, particularly Protestantism. Like Eastern Christians, Muslims utilize their entire body in supplication. The two gatherings, for example, make surrenders before God in their love. This exploration venture has helped/shape and fortifies my own perspectives on another confidence and my own confidence, which is Christianity, I have earned a great deal about Islam and I never realized that it could have a few likenesses to the Christian confidence. With regards to the directors, qualities and conventions of Christianity that I will give to my youngsters and ideally they can give it to all theirs the Christian confidence continuing for additional ages.

The Congruence Model

Question: Talk about a suitable strategy to determine the issues. Answer: Deals group is client centered gathering of any association offering items and administrations in the Industry. My business group have done truly well and I have watched pipeline orders getting completed before the cutoff times. Lamentably, I as of late saw that main 3 players of my business group have declining deals diagrams and furthermore there are not kidding clashes among Sam and John with them two accusing each other of sneaking deals orders. This went to be not kidding worry as it likewise influences the general resolve of the business group. Instead of getting into verbal correspondence with Sam and John, I got the client deals reports pulled and the brutal truth is that both are moving toward one another clients. Another top weapon of the business group Bob had decreasing marketing projections paying little mind to his long working hours. To understand the contention, I chose to take help of The Congruence Model since this model have procedure to be applied on work, individuals, culture and structure and the result is execution. My deals are down and group isn't in joined structure so I kept everyone's eyes on this model. After parcel more conversation with a senior partner, hardly any potential arrangements strike and were applied as: - Distribution of deals territory on geological premise and in this way, no one methodologies each other client base. (Basic change) - Rewarding just top entertainers makes a partition so a culture to grant those endeavors who were near the objectives improves inspiration. (Change in culture) In the event of Bob, there was money related emergency circumstance and incredibly, it was consequence of the declining deals since entire deals group was influenced with inner feelings of spite and gatherings. In spite of the fact that Bob was working extended periods, he came up short on the capacity of pushing his potential deals to definite requests. The Congruence Model turned positive for my business group to bring similarity and I accept that workplace and culture are essential for the correct equalization of the workforce.

PC Solutions IT Professional Frank Wallace

Question: Compose an exposition on PC Solutions. Answer: Presentation This report is set up on the organization PC Solutions which furnish individuals with the personal computers. It was begun by an IT Professional Frank Wallace who was the main organizer of the organization and began as a one-man brand. At first it began with offering the work area to the individuals who utilized them in their homes. Yet, presently the organization grew up bit by bit and has around 75 representatives who work under it (Roberts, 1996). This report is will give a diagram of the organization and will clarify about the issues looked by the organization and how they can be survived. It will clarify about the qualities and the shortcomings of the authoritative culture. It will suggest an arrangement for Frank for the zones where something must be changed with the methods of executing the progressions also. What's more, finally it will give what position of authority Frank ought to embrace for the best working inside the association. Issues looked by the Company PC Solutions doesnt take a shot at a huge scope however yes looking to its development from beginning as a one-man brand presently has 75 workers. As the association doesnt have numerous individuals so it very well may be overseen effectively yet at the same time the organizations face numerous issues. The association is partitioned into four utilitarian zones Sales, Administration, Customer Services and Software Development. The organization faces a few or the other issue in each division. The primary issues are the ones that need to manage the clients (Huang, 2003). The consumer loyalty is must for each association. The principle issues looked by the IT organizations are keeping the innovation refreshed, showcasing relations, client care, concentrating on the client input. The principle issue the organization is confronting is the administration of all the useful offices. The administration between the offices is significant. The fundamental issue that ought to be considered by Frank is the administration of exercises and the coordination of the work between the divisions. For instance, if an individual brings in the client care division and grumble about the product issue in the PCs then in the wake of taking care of his concern the message ought to be given to the Software Development Department for they ought to think about this issue and should attempt that it ought not be rehashed in different PCs (Britton, 2013). This must be finished by looking with respect to why this issue happened to consider them and locate a changeless answer for it. The following issue that happens a great deal in practically all the IT organizations including PC arrangements also is adjusting between the Feedback and Focus. Once in a while the criticism that the client gives after he utilizes a specific item is helpful for the hierarchical advancement as he tends to the new highlights which he requires in that item. For instance, a client in the wake of utilizing the Desktop PC says that it ought to be sleeker and ought to be increasingly alluring in its look. So subsequent to tuning in to this specific input of the client the organization should concentrate on the planning of the work area (Anderson, 1996). The criticism of the clients ought to be thought of and engaged also however the organization ought to never move out of its bearings for the change. At the end of the day, if the change required by the client will change the item worth or its heading then it ought not be considered as the input of the client are as indicated by their need and not concurring the vision of the organization. The first focal point of the organization ought not be lost. As it were, the inventiveness of the item ought to be kept up. The consumer loyalty ought to be the need of each organization. As when the client will be fulfilled at exactly that point the organization can develop. At the point when the issues of the clients will be explained then they will have inspiration towards the association which will in all draw in more clients towards the association. The qualities and shortcomings of Organizations culture Associations culture speaks to the associations convictions and the standards which must be trailed by the representatives and the administration. It incorporates the associations vision and strategic every single representative considers for the accomplishment of the predefined objectives. It is the example in the association by which each part takes care of the issues and manage the circumstances in a specific way. Each circumstance has a proper conduct which can be utilized to conquer that issue (Riehle, 2010). Each new part is prepared with the way of life in the association so he likewise knows the example of managing distinctive circumstance in the association. The way of life in each association is either solid or feeble. The solid culture is the one wherein all the representatives of the association follows the suitable example and doesnt slip in applying it. This is known as a solid culture as all the issues in the association are handily settled by the representatives by following their prepared example (Cusumano, 1998). While then again frail culture is the one wherein the qualities and example of the association isn't followed. The workers are not completely adjusted towards that specific association conduct. The way of life in each association has its own qualities and shortcomings. First thinking about the qualities we can say that the quality of the organization relies upon the thickness of culture which implies the measure of qualities and convictions it comprises (Stroube, 2002). The more qualities will have more example of suitable conduct which can give the workers answers for practically all the circumstances. In this way, the thicker the way of life of the association the smoother will be its working just if the representatives obviously comprehend the authoritative conduct. At the end of the day, we can say that the thick culture will contain more suspicions and qualities in contrast with the slim culture. Contrasting this quality and our organization PC Solutions we can say that the organization is thick in its way of life as each division is allocated with their own example of work and with their proper conduct. The second proportion of solidarity is the degree to which the representatives share their involvement with managing the issues in the association. The more the individuals will impart their experience of managing to the issues there will be an expansion in the quality of the organization as all the representatives will be all the more secure with the activities that they need to take in managing similar circumstances. Contrasting this quality and the organization we can say that the workers of the organization don't impart quite a bit of their experience to one another. The organization gets a lot of advantage with the sharing procedure between the laborers. The last proportion of solidarity is the clearness in the association or we can say the more the straightforward the working in the association the more it will prompt a superior association (Martin, 2005). This is the quality of the PC Solutions. The working of the association is thoroughly clear or straightforward. The individ ual in one office is completely mindful of what is happening in the other division. The shortcomings in the association influence the working of the association. The intricacy of the work in the association is the shortcoming of any association. On the off chance that the working in the association is mind boggling than it will be hard for the association to prepare their staff and give them the reasonable information about the association (Swartzlander, 2013). Contrasting with PC Solutions the working in the association is clear. At the end of the day, it isn't mind boggling. So this isn't the shortcoming of the association. Here and there individuals dont comprehend the guiding principle in the association which can lead the organization into bombing heading. The organization PC Solutions needs its worker to follow the guiding principle indicated. For instance, PC Solutions takes more consideration towards the client administrations or consumer loyalty (Heckl, 2007). So if the new workers or even the bygone one don't comprehend this basic belief of the association it is of no utilization. Straight to the point the pioneer of the organization must be stricter for that as at times a few workers are imprudent for this issue. Wellsprings of protection from change Protection from change is the undesirable changes in the association from the workers perspective or we can say that when the minor changes in the association isn't satisfactory by its representatives. There are reasons why the laborers oppose evolving. The primary purposes behind protection from change are frailty of the representatives, poor correspondence in the association, sentiment of rejection in the event that they won't get it, any advantages or rewards (Lee, 2006). At whatever point there is an utilization of progress in an IT organization then it is hard for the representatives to join for the change. As they generally need to avoid the progressions in light of the fact that principally the progressions are the refreshing the innovation. So the every day changes in the association influence them a ton as they believe that they again need to make a profound report to get it. Some of the time the change doesnt get fruitful due to the poor correspondence in the association (Wong, 2006). The higher specialists dont impart in a specific example which can be acknowledged effectively by the individuals of the association. Same is with the organization PC Solutions the individuals are not prepared for the innovation refreshes as there is an every day change in the innovation which gets hard for them to comprehend and apply it day by day. Some of the time the individuals in the association are in the misguided judgment saying that the change will diminish their incentive in the association. The individuals are increasingly worried about their very own development as opposed to the development of the association in general. They can't comprehend the reality their development is straightforwardly identified with the development of the association (Guide Jr, 2005). As there association will develop and be refreshed with the innovation the individuals in the association will consequently develop. To the extent arranging is consid

Case study 2 Example | Topics and Well Written Essays - 250 words - 2

2 - Case Study Example The explanation one encounters torment in the correct upper quadrant is a result of the situation of the gallbladder, and what befalls the nerve bladder at whatever point it is obstructed by the gallstones. The nerve bladder has the cystic conduit through which bile streams into the duodenum. A barricade of this conduit implies that bile can't go through. It gets amassed in the nerve bladder causing aggravation and irritation. This irritation causes torment that transmits to the encompassing parts. This is the reason a person with gallstones encounters torment in the correct upper quadrant that may additionally stretch out to the back (Whitney and Pinna 565; Bluth and Benson 1). At the point when one eats, more bile is created from the liver, and this goes into the effectively aggravated nerve bladder. The demonstration of eating animates the nerve bladder to agreement and drive the bile into the duodenum for the typical assimilation process. As a result of the presence of the gallstone on the cystic pipe, the constriction causes torment (Crutchlow, Dudac, MacAvoy and Madara 213). On the off chance that Martha lucks out and the specialist discovers that the gallstones can be removed, they will go through the duodenum. Here they can be disintegrated utilizing ursodeoxycholic corrosive, or can go through the digestive system (DeBruyne, Whitney and Pinna

Argumentative Essay Introduction

Argumentative Essay IntroductionOne of the best things that you can do in order to get a high grade on an argumentative essay is to go out of your way to write a very strong introduction. Many students who find themselves unprepared for their college essays have the same problem. They approach the assignment with a rather dry and simplistic idea of what the essay should be about, and then go through and outline the points of argument before they actually start writing anything at all.As a student writing an argumentative essay, you want to start out with something a little more interesting. You want to write the introduction paragraph in a manner that leads the reader to your main point and begins a discussion of why it is your main point. Here are four ways that you can begin your argument.Write your introduction paragraph out loud. This gives you an opportunity to re-read your paragraph multiple times and write a couple different paragraphs that you can play with. Writing the intro duction paragraph this way will also help you visualize your paragraph as a whole, rather than just something that you're reading out loud. Doing this allows you to eliminate a lot of potential mistakes that would show up on the paper with an outline.Write each of your sentences out for each of your paragraphs. Having different sentences to build on can give your introduction paragraph a sense of order. Doing this also helps the reader to understand the context of your overall argument much better than they would be able to if they only read one paragraph.Be sure to acknowledge any points that you might have gone over and make any corrections to them in your paragraph or two of argument. If you mention a point in your first paragraph that you're going to be coming back to, say so. If you don't, then there is no point in your argument.Explain your paragraph detail. When doing this, try to address as many points as you can to make the paragraph seem coherent. Make sure to address ever y point, but avoid getting into a situation where you're discussing all of the same points that you've already made in your argument.Finally, do not try to tie your main point into any other points you might have made. In other words, do not write in such a way that it begins to tie together the paragraphs that you have written. Your argument will be easier to understand if you always write in such a way that it is a little more connected to what has been written already.Remember that the goal of writing an argumentative essay is to come up with an argument that is full of clarity and interest. If you write your introduction paragraph in a way that brings attention to your main point and begins a discussion of it, you will come away with a much better essay.

An Analysis of Kate Chopins “Story of an Hour” - Free Essay Example

Throughout history, women have been restricted in their social right in silence under men’s shadow. However, as the movement for complete equality between women and men is brought up as a big issue, to have the same social quality without distinction of sex seems to have been achieved today. Furthermore, people, nowadays, know fairly well that such an inequality is not only unfair but also unjust. On the other hand, despite all the efforts that have been made to promote equality, the issue sometimes comes out as a serious problem and it is still undeniable that men are dominant in society. Therefore, it is not difficult to guess how restrained life women lived in the far past. Kate Chopin treats and shows the low social position problem of women in nineteenth-century American society in her story, â€Å"Story of an Hour†. The story, on the surface, seems to claim to stand for the theme of women’s emancipation though by giving implied hidden meaning to the main character’s death (represents the only way out for freedom), the author tells us that women can’t be set free yet. In an attempt to expose the society of her times, the author describes one woman’s miserable life. The story mainly discusses the woman’s regained freedom but, at the end of the story, the woman’s death shows that it is premature to think that women can recover their autonomy. The story begins when Louise Mallard hears the news of her husband Brently’s death in a train wreck from Richards, her husband’s friend, and Josephine, her sister. Because Louise has heart disease, they tell the news with great care. Louise first feels a great loss and cries. Then she goes to her room alone. Gazing vacantly out the window, she comes to discover her new side of which she hasn’t even been aware. She realizes that she has won back her freedom which has been deprived by her husband. While she is picturing her coming free days with great pleasure, Josephine, her sister, keeps knocking at the door, being worried about Louise. Louise comes out of the room and Louise and Josephine come across Richards at the bottom of the stairs. Just at that moment, Brently, Louise’s husband, comes back surprisingly, and Louise dies. The doctor says that she has died of joy, but only readers know the truth; even if it is a period that women long and struggle for the day of free, so far, it is only a dream. In other words, as yet, they are living in an androcentric society. From the start to the end of the story, Louise’s heart disease is considered an important feature of the character. Her disease is not just a part of main character’s trait. It represents woman’s inability of her time. No matter she aspires to freedom, there is nothing she can do. â€Å"closed door† is one of the proofs that demonstrates her inability. She wants to be free and feel a sense of release but she knows that it can’t be actualized in the real world. For this reason, she closes the door because she thinks that her state of free mind can be severed from an oppressive miserable reality by doing so. â€Å"She arose at length and opened the door to her sister’s importunities. †Ã¢â‚¬â€she can’t even secure the door from the outside interference. dull stare† also indicates her enervation. Louise sees â€Å"open window† which stands for release and enjoys freedom for a while though her husband comes across her mind soon and then her eyes become dim right away. All her action shows how passive woman she is and, at the same time, implies her state of being able to do nothing. Louise doesn’t truly love her husband. Right after she hears the ne ws that her husband has died, she ironically becomes lively, happy, and free, which means she isn’t content to live under a restraint of her husband. She comes to perceive all the beautiful things around her such as â€Å"new spring life,† â€Å"delicious breath of rain,† and â€Å"patches of blue sky. † The expression in her eyes also dramatically changes from â€Å"vacant and dull stare† to â€Å"keen and bright eyes. † She feels the mood of positive change that she will soon experience. In some ways, the matter of whether or not she really loves her husband reflects the phases of the times. Women living in nineteenth-century marry someone who they don’t want. Regardless of their opinion, they marry for many reasons such as political occasions. For Louise, death is the only exit saving her from pain that should be caused in the future. Narrator refers to â€Å"—of joy that kills† in her death. Then, what leads her to death? Precisely speaking, what makes her death be joyful one? â€Å"a monstrous joy† in the text is the answer for the question. To think deeply, â€Å"a monstrous joy† can be interpreted as the author, kind of a founder of feminism literature, wants to cast a reflection of her expectation, which she has born secretly in mind, in Louise. Taking into consideration that the story is written even before female suffrage is guaranteed to woman, for an ordinary woman, who lives a serene passive life without any ambition, the unexpected loss of her husband must be something that is much bigger than just a trivial sense of loss when she first hears the news. But she shortly comes to know that she can manage to live happily without her husband, which means she has already experienced the pleasure of emancipation. Thus, now, she can’t go back to her life again. The author doesn’t let her pleasure exist only in her realm of the subconscious so Louise’s joy is expressed as an extreme reversal, which is death, of the story. Since her thirst for freedom has already reached its climax, her husband’s safe return naturally drives her to the exit which is death. Her fate is her choice, rather than giving up and, at the same time, preferable to accepting her coming miserable days. The author concludes the story by giving a sign â€Å"—of joy that kills† to readers. By doing so, the author tries to makes the meaning of Louise’s death clear. Depending on guess at the atmosphere of her times, it must have been not easy to give a vivid description of the period outspokenly as a woman. Nevertheless, in â€Å"Story of an Hour†, Kate Chopin reveals the phases of her times in which women live oppressive life in her way. She tells us that low social status of women is so obvious and unchangeable that there is no choice for women but to accept their fate even if women longs for their autonomy. Through the story, readers would be able to understand the hard fact about the period and have an opportunity to think about the issue deeply.

Benefits Of Vocational Training And Education - 1803 Words

Benefits of Vocational Training and Education Jennifer Elliott Texas AM University – Commerce Abstract Prison education is also known as Inmate Education and Correctional Education. The educational program encompasses several educational activities that occur inside a prison. The main goal is to prepare the inmate for success outside of prison and to prevent recidivism. Benefits of Vocational Training and Education Benefits Education and vocational training for inmates in prison can be reason enough to occupy the inmates time rather than having the inmates sitting in their cells or creating a disturbance with other inmates. Providing inmates with a vocational training can assist in the day to day operations of the prison, possibility of creating additional revenue, and a way for prisoners to take time to learn a trade that will assist with future employment. â€Å"Isn’t it true that a correctional facility running a truly rehabilitative program – one that prepares inmates for life on the outside through education and vocational training – will turn out more successful individuals than will a prison which merely leaves it inmates to rot?† (Robert Martinson, 2011). A prison is not only to be a general deterrence, creating punishment for those who have committed serious crimes and but also encourages personal reform. Personal reform is the best form of recidivism for the inmate. 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The Character Abigail In The Play The Crucible - Free Essay Example

Sample details Pages: 3 Words: 969 Downloads: 5 Date added: 2019/06/10 Category Literature Essay Level High school Tags: The Crucible Essay Did you like this example? In the play, The Crucible, by Arthur Miller, the author argues/ implies that people can be easily manipulated by fear. The character, Abigail has many faults. In this paper I will explain if Abigail deserved the blame for the outcome. Don’t waste time! Our writers will create an original "The Character Abigail In The Play The Crucible" essay for you Create order I will also support my argument with evidence from the play. Abigail has so many faults. Some of her faults are she craves attention, affection, interfering with others relationships, selfish, manipulative, and an amazing liar. She craves attention by influencing the minds of her â€Å"friends† with thoughts of witchcraft, and her being the whole cause of all this witchcraft stuff. She wants so much affection, for example her acting out when Elizabeth Proctor kicked Abigail out of John and Elizabeth Proctors house and practicing witchcraft to kill Elizabeth Proctor. She interferes with other relationships but her having an affair with John Proctor and her falling in love with him. She is selfish because she only cares about herself in the situation of her getting blamed for witchcraft she throws everyone under the bus to save herself. She is an amazing liar by her having all the town believe that her and the group of girls were under the â€Å"influence† of the devil so that’s the reason why they’re acting the way they are. â€Å"ABIGAIL, with a bitter anger: Oh, I marvel how such a strong man may let such a sickly wife be PROCTOR, angered at himself as well: Youll speak nothin of Elizabeth!† this quote relates to my second paragraph because of her attitude and her interfering with other people and being manipulative she angered proctor and interfere with their marriage he still cares for his wife and doesn’t want her named slandered. Act1 Pg. 46 â€Å"Abigail she always sings her Barbados songs, and we dance.† This quote relates to my paragraph because Abigail is lying and being manipulative she is giving her blame to Tituba by saying she sings her Barbados songs which is lie those are her witchcraft song. Abigail’s faults are quite obvious like everything she has done and how it has effected everyone in the town. I do not think that Abigail does deserve all the blame for the outcome of the play. I think that she shouldn’t get blamed for the outcome because she has gone through a lot in her life like seeing her parents get murdered right in front of her at a very young age, and her being all alone. She does live with her uncle and has a cousin around the same age maybe a little younger but she has no parents telling her what’s wrong and what’s right. I feel like after going through the trauma that she went through that person is never the same that they once were, like you get careless and just want to ruin everything that is going right or when other people are happy you need to get in between them to ruin it. †Proctor you know me better . Abigail I know how you clutched my back behind your house and sweated like a stallion whenever I come near! Or di d I dream it? Its she put me out you cannot pretend it were you. I saw you’re your face when she put me out and you loved me then and you do now!† Proctor abby that’s a wild thing to say. This quote relates to my third paragraph because it talks about Abbigail is asking proctor how lonely and alone he feels and try’s to relate to him so they can have something in common so she can manipulate him to be with or admit he loves her she is interfering again with his marriage. Act 1 pg 33.† Abigail I never sold myself! I’m a good girl! I’m a proper girl!† This quote relates to my paragraph because Abigail is manipulating Tituba and lying to public.pg45 act1 There are many reasons why Abigail should not be blamed for everything but there are some reasons why she should too but I am more on the side that she shouldn’t be blamed. Abigail has gone through so much at such a young age, she has no one to guide her through life and I think that why she acts the way she does. Abigail has no sense from right to wrong as a result of this she should not be held responsible for her actions. I think that Abigail is upbringing has a lot to do with her actions and decisions that she makes. She caused a lot of controversy in the town with all the towns people but a lot of them don’t know her struggles she went through after her parents past away. ‘Marry warren she tried to kill me many times. goody proctor.’ This quote explains how malicious Abigail is and her trying to take everyone down with her because she is still scarred. â€Å"proctor ill whip the devil out of you†this quote shows how Abigail turned proctor agains t his wife. In conclusion, Abigail should not be blamed for the outcome of the play. She has many faults all bad one some are really big and some small faults. She acts out a lot and needs attention on her all the time because she has no one to give her that kind of guidance from like a parent, family member or friend. Abigail has been through a lot in her life and this is the way she is, all the towns people including John Proctor probably doesn’t even know the struggles she went through. Abigail was an amazing lair and manipulated a lot of people throughout the play and I think that’s where people think she is to be blamed but I don’t.

Assignment 2-Introduction to Written Texts Essay - 2201 Words

|SOUTHERN CROSS UNIVERSITY | ASSIGNMENT COVER SHEET For use with online submission of assignments Please complete all of the following details and then make this sheet the first page of each file of your assignment – do not send it as a separate document. Your assignments must be submitted as either Word documents (with .doc extension, NOT.docx), text documents with .rtf extension or as .pdf documents. If you wish to submit in any other file format please discuss this with your lecturer well before the assignment submission date. |Student Name: |Tamara Johns | |Student ID†¦show more content†¦The roles and responsibilities were defined by what was inherited from the generations prior and to a significant degree, these beliefs had a connection with the laws of God disseminated through the church. As a result, such roles and responsibilities were strongly entrenched hence to challenge them would result in making the person an outcast. Gender as a whole is a crucial element to the construction of a society. European women in the nineteenth century lived in the age of gender inequality and therefore women of both upper and middle-class had no occupational choices and stayed home caring for the children and the house, while men were out working and bringing home the money. This discourse is considered the norm and as Mary Klages explains in Literary Theory, she refers to the poststructuralist theories that signifies gender as attached to sexually dimorphic bodies, which signify the division of social practices and relations into binary oppositions of male/female and masculine/feminine (Klages 2006, pg. 91-92). The gender concept is clearly a conflict in anytime, posing a threat to social standing and the definition of women. Whilst the advocating of social equality within society is an intellectual way of advancing the rights of a suppressed group of people such as females, it is none the less difficult to digest t heShow MoreRelatedArtic Mining Consultant1595 Words   |  7 Pages2.2 Individual Written Assignment – Case Study Report Assignment Overview The purpose of the case study report is to help you bridge theoretical and practical applications of organisational behaviour topics, while also helping you build important written communication and problem-solving skills. Analysing a case study allows you to simulate some of the complexities and ambiguities that are present in real organisational problems and consider practical and evidence-based solutions. 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Descartes And Descartes s The Meditations - 987 Words

In the Meditations, Descartes believes you can figure out the truth based on your own mind and do not need to go to the outside world. Aristotle and Descartes wouldn’t agree. For example, a blind person. Aristotle would say he cannot know light so he would have to see it from some outside source to get knowledge. Descartes would say to not go to the outside world to find truth. Descartes would recommend meditation: self- reflection. First, you will look at your own mind, using your own mind to look at your mind. Then from that meditation on your mind you can figure out the truth. Descartes believes the simplest explanation is always the best. We have ideas, they are our first reality in our mind and he says to test them for simplicity†¦show more content†¦Dream reality equals real reality they are both an experience in my head. One isn’t better than the other. For example, two plus two equals four. I didn’t create it, outside me did. So now I have this d oubt and I want to go outside and see if it out there but as soon as you move outside you added new information which made the idea more complex. Which makes it now more doubt, so now I’m confused. The problem with skepticism you use doubt to try to figure out what ideas are good and true then you rip all your ideas apart and say outside world will never save you in finding that truth. The evil deceiver can be pumping all deception to you. He can say, they want us to think two plus two is four, but is it? All of this in the world can be an illusion but am I an illusion? No matter what trick they do to you, you have to be tricked so they can’t get rid of you. You are necessary. Human being and human sole is something you can never prove as an illusion. We have ideas and our mind is like a foundation and you cannot get rid of our mind. He doubted everything so much he was unable to doubt himself. I exist, and I’m different from the world so I have ideas. Thinking for Descartes is doubting and doubting is radical freewill. We all believe we have freewill, we all believe we are special and unique, we all believe we are different from everything else. Descartes wants to show us we are special and free. The â€Å"thinking I† is like theShow MoreRelatedDescartes s Meditations, Descartes Essay1139 Words   |  5 PagesEssay 3: Prompt 1 Though unstated throughout his meditations, Descartes primary goal in the Meditations is to lay a strong foundation for the mathematical science that is emerging during his lifetime. There are two Aristotelian doctrines that Descartes wants to reject, the first which is final causation. The second is qualitative science, because Descartes tends to favor quantitative science over final causation. 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A prevalent argument against the existence of God is the simple fact thatRead MoreDescartes s Meditations On First Philosophy Essay2099 Words   |  9 PagesFirst published in La tin in 1641, Renà © Descartes philosophical study, entitled Meditations On First Philosophy, poses a question that continues to be both continously relevant, and hotly debated, in the field of philosophy. One of Descartes main queries in his meditations is as follows; how can we be fully assured that we know anything at all? Descarets theorises that, whilst not all knowledge may provide probable doubt, we can never be fully certain that there is no room for doubt, and if we cannotRead MoreDescartes s Meditations On First Philosophy894 Words   |  4 PagesDescartes opens Meditations on First Philosophy by telling us that in order to purify our knowledge from falsehood we must become radical skeptics, and question everything we know as we clear our minds from what we believe to be true. Descartes soon realizes that this is a major problem. Because if he is doubtful of everything, there is nothing to be known as true and he would have no foundation to build his thoughts off of. Pondering this, he came to realize that he himself must be real becauseRead MoreDescartes s Meditations On First Philosophy986 Words   |  4 Pagesas looking inwards, or as Renà © Descartes would call it, meditation. These ‘meditations’ are moments of reflection, time s pent with one’s thoughts, and time to figure out where one is placed within the world. During one of these meditations, Descartes creates the phrase, â€Å"cogito ergo sum†, I think, therefore I am, in his monumental book, Principles of Philosophy, though it was written in another form earlier, â€Å"ego sum, ego existo†, I am, I exist, in his book Meditations on First Philosophy. This phraseRead MoreAnalysis Of Descartes s Meditation I 989 Words   |  4 PagesIn Meditation I, Descartes discusses those things that can be called into doubt. He starts off by talking about how he has been mislead by his beliefs before, so will start off by separating those beliefs that cause him to doubt. He would like to secure his foundational beliefs similar to a house, without a secure foundation, the house can fall. Descartes mentions how he occasionally realizes that he has been deceived by his senses. Some things seem small at a distance, but then when looking

Comparing Plato And Aristotle s Idea Of Happiness

The very foundation of our domestic and international democracy is founded upon the basis of early Athenian politics. Ancient Greeks created the very idea of democracy, which today seems so simple but at this time, a complex and entirely new idea. They created the idea of citizenship, pathing the way to for the representative democratic style of government that is practiced worldwide. At this time, their ideas were not inherited by different cultures but by merely the ideas of philosophers. Greek philosophers embark on a quest for â€Å"a good life† and the best political constitution to accompany it. Although the main philosophers we’ve discussed have similar yet different ideas on how to live a happy and fulfilling life, in turn, it has†¦show more content†¦He sees the virtues of the soul parallel to the virtues of the city and one in which each of the parts (reason, spirit, and appetite) perform its proper function. Plato argues that an orderly and just s oul is significant to living a happier life than anyone who lives a life of disorder and conflict with an unjust soul. . Thrasymachus, a sophist of Ancient Greece, describes the connection between what is â€Å"just† and â€Å"unjust† and how it relates to one’s happiness. He teaches us that injustice brings about what is of most value for an individual. Thus pursing, what one deems as justice, as leading to unhappiness, â€Å"since it will limit one’s ability to acquire external goods†. We are taught that a physically just person’s soul acts in the psychological state of proper function. Thus one is physically unjust when one of the parts of the soul fails to perform its proper function. Plato argues that a just person with an orderly soul has a more fuller, better and happier life than anyone whose soul is not in order; and one with a thoroughly unjust soul, a soul in disorder and conflict, is miserable. Plato’s underlying idea her e is that although a kind of happy life is possible if each part of the soul perform its function, they happiest life is one in which each part of the soul performs its function with complete excellence if it is allowed to set the goals for the individual. Plato continues his quest to find the true

The Social Network in the Business- Free-Samples for Students

Question: Discuss about the Advantages and Disadvantages of Incorporating the Social Network in the Business. Answer: The project was performed on the advantages and disadvantages of incorporating the social network in the business. Social network within the business is an important subject for gaining the information. Any student after learning this course can implement the facts in their life when they will set up a business or will work for any business in future. The two assignments also dealt with the scope and objectives with the respective research questions on the topic. This assignment basically focuses on the reflection of what I faced and learned during the progression of the assignments. The reflective journal helps in enhancing the inner feeling of an individual who has conduct the research on the topic of advantages and disadvantages of social network in business. The writing of reflective journal helps the individual to write about the situation he faced and the things he learned in the course of the learning project. I have confronted many challenges as well as success during the project conduction period. I have also gained the learning experience as the scope of the subject was vast and it is very much future oriented. The project helps me to identify the factors that influence the present ongoing trend in business. It also helped me to develop the analysing power as I analysed the advantages as well as disadvantages of social network incorporating in business. It also helped me to develop the power of critical thinking as all the advantages and disadvantages have been critically reviewed by me. The project also helped me to understand the business circumstances and how to conduct social networking in business. The scope of the second assessment also helped me to lay insight on the positive awareness as well as consciousness among the people for conducting business with the help of incorporating social networking in it. The learning experience was quite useful as it will help me in future. Further the conducting way of the research is clear to me. Therefore the learning experience is quite useful to me as I was able to learn new things of conducting the research proposal and that to on a significant topic. The value of the learning experience is also vital. The project helps me to learn how to perform the data collection method. During the data collection I followed both the primary as well as secondary data collection method. The primary data collection is done on the basis of research which is conducted through an online survey for obtaining the opinion of the staffs. The primary data collection helped me to learn of how to get the data practically data. This learning experience added the value of collecting the data as well as researching them. The secondary data collection helped me to search the appropriate articles regarding the topic. In all I gained more experiences in researching and thus it help in increasing the value of the learning experience. The course and the program were preparing the research proposal on the advantages and the disadvantages of social networking in the business. This program can help in the future career. I thing the knowledge can be very well transfer for future. The knowledge of data collection is very significant. The formulation of the research design and the methodology is significant which can be applied in the future. The topic itself is so vast that the knowledge of it can help me in future. These insights can be used in the future in the practical field for gaining maximum competitive advantage in the business. The learning process has one of the main objectives of making me understand how to conduct a research proposal. I have seen the way of conducting the research as taught by the professors. I read the articles and the journals when I was doing the secondary data collection as well as during the reviewing of the literature. This helped me getting the required knowledge about the subject which will help me in future In this particular reflective learning practice I have done a lot about how social networking can be extremely useful for business research purposes. In the course of my learning I came to know how social networking can be the post to the evolving business practices and how it can benefit the new entrepreneurs. The primary objective of this research was to identify the factors that can influence preset business trends. Along with that typically analyse the disadvantages of using social networking in business. And finally to string together a set of recommending solutions to overcome any limitations that might be presented for using social network in the business purposes. Here I will have to mention that social networking is one of the most effective and most cost efficient method of publicity and promotional activities that a business process or organisation can adapt. In the overview of research we have found out that social networking is one of the most prevalent public relation t echnique that is to dominating the market in the current age. And the organisation who does not have affected and captivating social presence on the Internet, has no hopes of sustaining in this cost of competitive market. Latest review section we have discovered how Facebook Instagram and Twitter is the major social platforms that provides direct connection to the customer base. By utilising this platforms in a negligible amount of money when compared to conventional marketing techniques, allows a brand or a business organisation to be connected to which customer base 24*7. And I have learnt significantly how having just efficient am devoted to evolving and enriching the social presence on these public Internet interfaces can boost the growth and reputation of the business company succinctly. Moreover I have also learnt in the process there are some disadvantages to social networking in business propagandas as well. For example this research technique clearly articulated to me how n egative feedback and personal buyers from the end of the miffed customers K seriously affect the reputation and prosperity of an organisation or a particular bag brand in the market. Has an organisation will have to be at constant watch to ensure that the inevitable negative publicity can be dealt with easily and effectively. Honour concluding note I will say that this learning process has been a great cognitive and explorative opportunity for me to understand the basics of business research and how social networking as a concept can benefit the business processes. Furthermore I have learn how to connect my knowledge with my own ideas and articulate a response that is best fit in the situation that I am provided with. Hence I can see if we conclude that future situations where I will have to make a critical decision related to my business organisation I will be able to conduct a reasonable and logical Research and and paste on the findings I will be able to conceptualize a critical decision based on the knowledge games and my own perceptions on the given challenging situation. Bibliography: Aral, S., Dellarocas, C. and Godes, D., 2013. Introduction to the special issuesocial media and business transformation: a framework for research.Information Systems Research,24(1), pp.3-13. Coffing, D. and Bonfiglio, L., 2017.Transaction system for business and social networking. U.S. Patent 9,600,674. De-Marcos, L., Domnguez, A., Saenz-de-Navarrete, J. and Pags, C., 2014. An empirical study comparing gamification and social networking on e-learning.Computers Education,75, pp.82-91. Jussila, J.J., Krkkinen, H. and Aramo-Immonen, H., 2014. Social media utilization in business-to-business relationships of technology industry firms.Computers in Human Behavior,30, pp.606-613.

The Arena Sensory Overload Expository Place Desc Essay Example For Students

The Arena Sensory Overload Expository Place Desc Essay riptive EssaysThe Arena Sensory Overload Standing here, in this arena thats larger than five of my houses,I feel like a needle in a haystack. So many people surround me its likeIm a little grain of sand in a huge ocean. The people in the round gymnasiumall form a crimson, white, and blue rainbow. Their shirts mesh togetherlike a finely woven shirt with different colors strings. Smelling theconcession stand foods, makes me feel like a starving child. The aroma ofthe melted cheese on nachos, makes me want to be outside having a picnic. The smell of tenderly cooked hot-dogs makes my stomach growl wishing I hadsome. I can taste the hamburgers as somebody walks by with one. The warmmeat, with a sweet barbecue sauce is delicious. Then, a man on a loud intercom yells for the players to come out. The roar of the people surrounding me is like being right behind the jet ofan airplane. The deafening noise makes me squint my eyes. I open themthough and stand of the lightly cushioned seat. I clap my hands along withthe other fans, and my hands feel greasy after just eating a hot piece ofpizza. My mouth still has the pasty, saucy taste of the slice in my mouth. I look down towards the court where the players have now started shootingbaskets. Their brightly colored uniforms stand out in the glare of thespotlights above. The court has a waxy look, like it was just swept, andthe glass backboards, have a shine as bright as a new car. The band starts playing a song and the crowd swings their arms backand forth through the air. The mass of people moving looks like a field ofwheat blowing in a spring breeze. A lady rubs up against me as she movesdown the aisle. Her jeans have cracks, and they feel as dry as a lizardsskin that has spent the day in the desert. Her sweatshirt contrasts thedry feeling of the jeans. It is made of a soft cotton that makes me thinkof a bunnys fur. Then a man in front of me comes to his seat with a glassof lemonade. The tangy smell makes me squint thinking somebody runningtheir fingernails down a chalkboard. And then the game ends. The crowd all wearing smiles like they hadjust one a prize. Few others, scream and pout as they waddle down thestairs to the doorway. The noise has greatly decreased giving my ears arest. It is down to a dull roar, like a breeze blowing around leaves. Myfeet and hands ache from being pounded for nearly three hours. Passing thebathroom, a dirty, smell flies in the air. It is like walking through anold abandoned building that hasnt been cleaned in years. And then I stepoutside. And smell the fresh air. And my mind clears. Remembering timesin an empty park on a spring day. I watch car after car pass by whilewalking to mine. Some are brightly polished, reflecting the sun. Othershave of dull, dusty look. Every few cars make a sharp squeak as they brake. The exhaust fills the air and makes me think of a grimy factory. And thenI reach my car. Sitting in the warm, soft seat, I lost my thoughts and fall asleep.

Secrets Essays - Secrets, , Term Papers, Research Papers

Secrets Title: Secrets Author: Danielle Steele Number of pages: 442 Date of publication: 1985 Summary Everyone has secrets no matter who they are. The book I read is called Secrets and,of course, there are many secrets that people have in this book. A man named Melvin Wechsler is a fabulous director that everyone loves. He has a series called Manhattan that he is going to direct, and it is the best T.V. series of all time. He gets the best actors and actresses for his series and he knows it will be a hit. When he decided on all of the people he had chosen for the series, he didn't know that all of them had dark secrets. The main actress, Sabina Quarles, started to have a love affair with Melvin, and he suspected that she was cheating on him. What she was really doing was going to see her very ill son in San Francisco that no one knew about. Jane, another actress, had an abusive husband that didn't care about her. he turned her own children away from her, and raped her whenever he got a chance. She split up with him and started to fall in love with one of the actors on the series, Zac k.Zack, Jane's lover, had a secret too. When he was young he was molested by his father. He was a homosexual for a long time before he met Jane. Jane completely changed his life and they got married.Gabrielle came from a rich family and she didn't want anyone to know about it. She thought that other actors or actresses would just think that she got acting jobs because of her money. She fell in love with Bill, another actor in the series, and she felt truly happy, and she didn't need money to make her happy.Bill had so many secrets. He was married to an actress before the series, but they had to keep their marriage a secret because of their careers. His wife became a drug addict and he finally left her. He always worried about her and wished that she would straighten up. One night he came home to find her dead on the floor. He was arrested and charged with her murder. He was acquitted of all the charges after several months, because of the lack of evidence. Him and Gabrielle fell in love and he finally had something happen to him that didn't have to be kept a secret. I really enjoyed this novel, because it had a lot of reality in it. It told me that these things really do happen and it takes strong people like these to handle all their secrets. Evaluation This novel was one of the best that I have ever read. It was full of love, mystery, sadness, deception, and of course, secrets. The things that I will be evaluating are the author's word choices, the development of suspense, and the book's title. The author's word choices were very good. She made it so I could understand everything that was going on without having to go and look in a dictionary. Danielle Steele writes with smoothness and every word fits together just right with the next. The development of suspense was so good it made me practically sit on the edge of my seat while I was reading this book. She made it so I wanted to keep reading it and never stop until the end. There was one surprise after another and it made the book a lot more interesting. The title of the book was exactly the title it should have. There were so many secrets in this book that the title fit perfectly. When I thought that all of the secrets were out they just kept revealing more and more secrets. I thought this was the perfect title for this book. In conclusion, I really liked this book and the way Danielle Steele wrote it. Her novels that I have read have always been good and never boring. Remember, everyone has secrets, and it takes the strong and willing to reveal them. Book Reports

Essay Topics For Class 6

Essay Topics For Class 6Students who are writing essays for class 6 must include hindi essay topics for class 6. Hindi is the national language of India and has an intricate culture, rich literature, political history, traditional arts and so much more. The language plays a significant role in all facets of Indian life from national to social development.Most of the papers, essays and other papers that we need to write in English subjects are mainly based on facts. There are very few who have the chance to learn about the culture and traditions of their country and the background of its history. It is these things that can make one stand out in a crowd. It is because it is in these aspects that one can make interesting insights and analyses of our nation.To make the student stand out in the crowd, they need to write essays or papers with great depth and appreciation of the social development of their country. Therefore, the main aim is to incorporate the state of the art Indian writi ng style of Hindustani poetry, speech and drama in their essays.The types of topics that we need to include in our essays and essay topics for class 6 are - Independence Day, Arts, Politics, History, Culture, Literature, Mythology, Religion, Sports, Media and so much more. So, all these subjects are good topics to write about in English subjects. These topics are rich in cultural values, heritage, tradition and history of the country.A lot of students have chosen to write articles and essays on social values of the society which are based on the mythological and historic value of the culture and heritage of the country. These articles can be written according to either the devotional or the scholarly approach of the writer. Usually, the former approach is more appropriate for academic purposes and the latter for research purposes.The advanced level of Hindi writing is that it is easier to grasp and write about subjects like the evolution of language from Sanskrit to Hindi. There are many Indian words that have different meanings in different languages. There are also new words that are formed according to the structure of words in Hindi. Thus, if the student wishes to write about the study of Hindi literature, the student must have the opportunity to understand the best in the language as well as how to express the new meanings that are formed through the change of vocabulary.The first thing that a student should do is to ensure that they have learned to read and write in the Hindi language. It is impossible to write about any subject in the national language unless the student has mastered the cultural values that are embedded in the language. This will help the student in appreciating their writing.

The Great Roman and Hans Empires essays

The Great Roman and Hans Empires essays Without a doubt, the Roman and the Han empires can be considered two of the greatest civilizations in world history. Both became very powerful and dominant in their respective areas. However, the Roman Empire developed into a higher, more advanced society because of its strong economic system, military prowess, and their free social structure. While both the Romans and the Hans developed complex economic systems, the system the Romans used was clearly superior. Though both the Romans and the Hans were obviously dependent of agriculture, the vast spread of the Roman Empire into different regions allowed for the trade of different goods such as European wine and African grains. Each individual area specialized in certain products, and these products could be taken by way of the Mediterranean to anywhere else in the empire. While they also had some variety of goods, the Hans, with their smaller empire, was limited to growing wheat and rice. Water transportation was crucial to the econom y of the Roman region, as it allowed fast and efficient movement of goods. Another aspect of the Roman economy was the use of slave labor, which is something that the Hans did not utilize. The Romans used their prisoners as slaves. The use of slaves, while not considered humane today, was an intelligent way of improving the economy because it provided a larger workforce. This increased workforce produced larger yields and more goods to trade. The Hans on the other hand, themselves worked the fields, and they saw no need for slaves. Both the Romans and the Hans demanded taxes from their citizens, but the Hans took large amounts of taxes even from the poor peasants. Both societies also employed the Silk Road as a means of trade with faraway lands, but the Hans, with their silk products, dominated this trade route. Overall, the Romans had a superior economic system when compared to the Hans. The power of an empire in ancient times depended solely on the pow...

Complexity of the Tourism Industry Essay Example | Topics and Well Written Essays - 2250 words - 1

Complexity of the Tourism Industry - Essay Example Mass tourism is the process of visiting a place by a large number of people at the same time, and the research of the impact that people can have on a specific location or destination that has been over-exposed to particular tourists frequenting the destination (Singh, 2008). The complexity of the Tourism Industry For a number of reasons, alternative tourism in local economies has been much more constrained and less effective than mass tourism. The optional projects in the developing nations are mostly weighed down by the high expenses of international tourism and the insufficient local networks within the tourist destinations. Cultural differences and differences in the living standards of the guests and hosts equally make it difficult to satisfy the needs of the tourists without comprising local norms and cultures (Brent et al., 2011). For instance, in the marginal areas of Thailand, the natives may not be in a position to converse in foreign languages at all, creating a challenge for the tourists to converse with the locals and tour around. To contain these and other challenges of alternative tourism, various proactive approaches must be taken to ensure its sustainability. These comprise lessening the number of tourists, the varying the type of tourists, creating awareness amongst all participants involved regarding the effects emanating from the new set of operations. Cutting down on the number of tourists can take two dimensions: reduction of the number of places where the concentration is high and putting a limit to the probable visitors to be in line with the ability parameters. It is, however, difficult to cut on the numbers in a situation of the liberal market without interfering with the practicality of the industry. Revenues can be anticipated to deteriorate which can lead to unemployment and lowering of the living standards (Rebecca; et al, 2009). The varying types of tourists similarly make it hard to constrain or decrease the number of tourists. V arious tourists have varying preferences. When an area is developed, it is most challenging to modify the types of tourists anticipated to a type which flocked in before with an aim of obtaining an ideal tourism structure (Alan, 2008). Besides, if a tourist location targets a particular market such as culture-lovers or photographers, it experiences the actual risk of not being a big enough market or failing to be a repeat market. Tourists may make decisions that upon visiting the Canadian Arctic, they will travel to the Himalayas and then Antarctica, then Galapagos and so on. Moreover, whilst mass tourists are for the majority sedentary and fritter their money in a constrained number of destinations, most of the expenses of the alternative tourists may initially spend small amounts in a wide range of destinations (Holder IV &William, 2009).

Breach of Confidentiality Essay Example | Topics and Well Written Essays - 500 words

Breach of Confidentiality - Essay Example This means that a physician cannot reveal any information of the patient during the course of treatment unless under the patients approval. The essence of physician’s responsibility is to preserve patients’ confidentiality, and help them to be open and able to give all the information regarding their health status. This is done with the assurance that the physician will safeguard such personal information. The honest revelation by the patient provides for a proper and effective treatment of the condition. There are, however, exemptions, for instance, if a patient may hurt others or himself or herself. A breach of confidentiality refers to the revelation of the patients’ medical information to another person without the patients’ permission by a physician or medical health expert. The revelation can be electronically, through word of mouth, or through writing. Thus, the physician’s responsibility of safeguarding the patients’ medical records sometimes has to relent to the interests of the whole. Â  In Estate of Behringer v Princeton Medical Centre (1990), the late Behringer, working as a surgeon at the medical centre, suffered from AIDS. Behringer received treatment from the same hospital. His chart containing information about his diagnosis was not safeguarded at the nurses’ location on the floor where it was kept. The exposure of the information on his diagnosis revealed his medical condition, making the hospital necessitate his patients to sign a form recognizing the dangers to their health. Eventually, this resulted to the deferral of the doctor’s surgical rights (McHale, 1993). The inability of the hospital to protect his personal medical information led to Behringer’s estate suing the hospital for breach of confidentiality. The breach of confidentiality occurred in the sense that the hospital was supposed to safeguard the chart containing the surgeon’s diagnosis information. However, they instead left the chart

Business Research Methods Essay Example for Free

Business Research Methods Essay As baby boomers age and the need for health care continues to grow, the nursing shortage in health care facilities seem to increase, as well. Many believe that â€Å"a shortage of registered nurses is projected to spread across the country between 2009 and 2030† (AJMQ, 2012). Dr. Peter Buerhaus wrote in Health Affairs that the United States nursing shortage is projected to grow to 260,000 registered nurses by 2025 (2009). Researchers must develop a solid research question, construct a research design, and identify a sample design to collect data. Organizational Dilemma Research Question Turnover problems like those experienced by the hospitals that participated in the HSM research lead to multiple research questions, such as (i) what are the reasons for high RN turnover rates that lead to job vacancies and (ii) how can the organization resolve turnover problems. In the organizational context, the dilemma here is: why are there high RN turnover rates that lead to job vacancies? Identify and Analyze Research Question The research question identified is â€Å"Why is there high turnover rate for acute care nurses?† The problem defined by the team is the inability to retain acute care nurses. A study performed by the American Organization of Nurse Executives states that there was an average of 21.3% turnover rate for RN’s in 2000, but percentage rates were higher for RN’s in specialty hospitals (2001). The practices and policies of an organization allow employees to remain within the organization for an extended period. There is a significant financial loss to the facility if the nurse leaves the organization after training is complete Research Design Learning Team C will adopt a formal research design to answer the research question. We will use monitoring as opposed to communication in most circumstances unless otherwise specified. The research will be ex post facto or experimental. The research will be cross sectional because of time constraints. The study will be a statistical study of proportions. A case study could be used, if time allows. We will treat this study as a lab assignment although simulations and field work is a possibility. If communication is used care should be taken to optimize participant awareness (Cooper Schindler, 2008, p. 141-145). Some questions to take into consideration would be what the reasons for high turn-over rates are for nurses. Does education play a part? Do work conditions come into consideration? Does pay and benefits play a part? Do personal matters play a role in turnover? The study probably will be descriptive or causal although exploratory work may need some consideration. Sample Design In an effort to obtain the data for our research it is important to sample from group that will best represent our population. There are four basic questions that need to be answered in sample design. The first is the subject of our research, or target population. The next question is the parameters of our interest, which is high turn-over rate. The third question is the sampling frame. Because the subjects of our study are acute nurses, we should use the membership directory from the American Nurses Association. With the availability of the directory probability sampling is the best sampling method, which addresses the fourth question. The last question is the size of the sample and according to Cooper Schindler (2008), â€Å"the greater the desired precision of the estimate, the larger the sample must be,† and â€Å"the higher the confidence level in the estimate, the large sample must be† (p. 385). Conclusion Going forward this research will strive to come to conclusions to answers to the key question and based on the answers derived. These answers will create solutions that will help alleviate the anticipated nursing shortage in the coming years. The statistical data of this study can be used to understand what is causing the high turnover rates and high job vacancies.

The Tragically Paradoxical Role of Women in Ancient Roman Society :: Essays Papers

The Tragically Paradoxical Role of Women in Ancient Roman Society In nervous preparation for the essay section of my history final, I found myself fascinated by Livy’s anecdotes concerning the common thread of violence against women. Livy, a Roman historian, wrote a significant number of volumes concerning the ride and fall of the Roman Empire. Three stories in particular, the rape of the Sabine women, the rape of Lucretia, and the death of Verginia, shed light on the ancient Roman female as a surrogate victim blamed for her gender and sexuality in relation to men. While considering the themes of March’s Women’s HerStory Month and now April’s Domestic Violence Awareness month, I thought it might be relevant to raise awareness of women’s struggles during this time. Such a reflection would spur progress towards a society that fosters nonviolence and gender equality. One should note how the women involved in these stories face a fundamental and perhaps ethical paradox in their situation. Many articles in learned journals refer to Livy’s rape of the Sabine women as a myth, but I believe a kernel of truth shines through this supposed fiction to reveal how the aggressive and selfish character of the early Romans imposed themselves on the lives of unknowing, innocent Sabine women. In 715 BC, Rome was experiencing rapid expansion so Romulus, the current leader, faced a problem in his ambition to increase the population. There existed no intermarriage among neighboring communities and consequently, the Romans felt resentful. Due to a shortage of woman, the Romans actually faced extinction at this time. So Rome staged a celebration of the Consualia, a festival in honor of Neptune, patron of the horse. Citizens came from nearby towns such as Caenina, Crustumium, Antemnae, and all the Sabines. However, when the show began, all the able-bodied Roman men rushed through the crowd and seized all the young women. As a result, war broke out between the Sabines and the Romans and it was the woman who actually emerged to unite their husbands and fathers, blaming themselves for the war (while they were the true victims). Livy claims that the nature of a women’s heart caused them to sympathize with their husbands, who had kidnapped them and taken them from their homes. â€Å"The men, too, played their part: they spoke honeyed words and vowed that it was passionate love which prompted their offense. No plea can better touch a woman’s heart† (Livy 44).

Askari Bank Report

Company Profile |Products |Sell Offers |Buy Offers |Contact Details | |Askari Bank, one of the leading banks of Pakistan. The bank was founded in 1992, and in the 18 years since, our growth and success patterns have far outgrown industry standards. Askari Bank has expanded into a nationwide presence of 150 branches, and an offshore banking Unit in Bahrain. A shared network of over 1,100 online ATMs covering all major cities in Pakistan supports the delivery channels for customer service. As on December 31, 2007, the bank had equity of PKR 12. 27 billion and total assets of PKR 182. 17 billion, with over 800,000 banking customers, serviced by 6,808 employees. We have reinforced our products with new deposit schemes bearing competitive rates of return and packed with excellent service of first choice. Our modern electronic banking services have been developed with hard work, feedback from stakeholders and research providing better banking solutions. Askaribank continuous growth over the years is based on service to communities and customers by friendly, professional and experienced bankers trained to deliver exceptional banking services. [pic] Corporate Information Askari Bank was incorporated in Pakistan on October 9, 1991, as a public limited company. It commenced operation on April 1, 1992, and is principally engaged in the business of banking, as defined in the Banking Companies Ordinance, 1962. The Bank is listed on Karachi, Lahore and Islamabad Stock Exchanges. Since inception, the bank has concentrated on growth through improving service quality, investment in technology and people, utilizing its extensive branch network which includes Islamic and Agricultural banking. Corporate Social Responsibility is an integral part of the way we do business. In order to fulfill our CSR objectives, we attempt to promote public interest by encouraging community growth and development through sponsoring social service events, supporting education, sports, and environment and also contribute in socio-cultural activities. Awards and Achievements    |   | | » |â€Å"Best Retail Bank in Pakistan† by The Asian Banker. | |   |   | | » |†1st Consumer Choice Award† by the Consumer Association of Pakistan. 2004 | |   |   | | » |†Corporate Excellence Award† by the Management Association of Pakistan (MAP). 002, 2003 & 2004. | |   |   | | » |â€Å"The Best Bank in Pakistan† by Global Finance magazine. 2 001 and 2002. | |   |   | | » |â€Å"Best Consumer Internet Bank† Global Finance magazine. 2002 and 2003. | |   |   | | » |†Euromoney and Asiamoney Awards† 1994, 1996 and 1997. | |   |   | | » |â€Å"Best Presented Annual Accounts† by (ICAP) and (ICAMP). 000, 2001and 2002. | |   |   | | » |â€Å"The Best Presented Annual Accounts† by South Asian Federation of Accountants (SAFA), in the SAARC region. | |   |   | | » |â€Å"The Best Consumer Banking Award 2006† by the Consumer Association of Pakistan. 007 | |   |   | | » |â€Å"The Best Retail Banking Award 2008† by Pakistan Guarantee Export Corporation Ltd. 2008 | |   |   | | » |†Best Corporate Report Award for the year 2008†³ by ICAP & ICMAP. 008 | |   |   | | | | | | | | | | | | | | | |  [p|Branch network | |ic]| | |   | | [pic] | | | | » | |All Branches: | |202 | | | |[pic] | | | | » | |North Region: | |68 | | | |[p ic] | | | | » | Center Region: | |66 | | | |[pic] | | | | » | |South Region: | |68 | | | |[pic] | | | [pic][pic][pic][pic] Top of Form [pic][pic] Bottom of Form †¢ Home †¢ Reports o Accounting o Management o Marketing †¢ Articles †¢ Internship †¢ Presentations Askari Bank Internship Report Posted by reports On September – 22 – 2010 Comments Off EXECUTIVE SUMMARY: The Department of Administrative Sciences offers Masters degree in Business Administration. They are giving the best education and are offering for specialization, financial management, marketing management, human resource management and computer application to business. An important program is six to eight weeks internship with any recognized institution. I decided to take up Askari Bank Limited for my internship because it is a competing Bank nowadays and gives a good training to the internees. So in order to learn more this was my choice. This report is about my internship that I have undergone at Askari Bank Limited Multan Branch from 2nd June 2008 to 18th July 08. During my internship I am able to learn practical aspect of business, and get good working experience. On the very first day of my internship I reported to Operation Manager Mr. Noor ul Islam. He gave me small introduction of the Bank and introduced me to the staff of the Bank. Every internee is rotated among the Bank’s departments and so was I. This rotation is done in order to have general concept regarding Bank’s functions, operations and policies. In this rotation the stay in department is usually a week. I have learned more about the Basic Banking, Credits and Foreign Trade department and have given below the caption of activities I was involved in during the period of six weeks. During my internship I found that Askari Bank is a best Bank in Multan because most of the Exports and Imports in Multan are done through this Bank. Multan is one of the cotton growing cities of Pakistan. Most of the businesses in Multan are directly or indirectly linked to cotton that is also the case with Askari Bank’s clients. Because Multan is an Agricultural City, and its major export is Cotton and Mango. So its export is done on seasonal basis. In the season of cotton and Mango export Askari Bank get its target easily but difficult for it to get its target in the off season. Low profit rates used to be one of the major reasons for not meeting the deposit targets. The profit rates on Askari deposit schemes were quite low when compared with other Banks especially with the National Saving Centers, but now Askari Bank is giving a comparatively high profit rates to its customers. In today’s every customer is a rational customer, he knows the value of money and wants a best return on his money. INTRODUCTION TO BANK: Askari Bank Limited (AKBL) works as a Unit of Army Welfare Trust was established for the Welfare of Army Officials. The office of Army Welfare Trust is situated at AWT Plaza, Rawalpindi. AWT offers the â€Å"AWT Saving Scheme† to the army officials only. AWT has its units as under: †¢ Askari Associates. †¢ Askari Leasing. †¢ Askari General. †¢ Private Business. †¢ Textile Mills. †¢ Cement Industry. †¢ Askari Commercial Bank. Askari Bank Limited was incorporated on October 9, 1991, as a Public Limited Company, and is listed on Karachi, Lahore and Islamabad Stock Exchanges. The Bank obtained business commencement certificate on February 26, 1992 and started operations form April 1, 1992. Askari Bank is scheduled Commercial Bank and is principally engaged in the business of Banking as defined in the Banking Companies Ordinance 1962. Askari Bank Limited continues to scale new heights in all areas of its operations. The safety and security of depositor’s funds, high productivity and optimum use of technology are the hallmarks of its corporate strength. In 1994, AKBL earned international recognition as Asia Money Award and the title of â€Å"Best Commercial Bank of Pakistan† for the year 1994, while Euro money declared the Bank as best domestic Bank of Pakistan for the year 1995. ASKARI BANK LIMITED MULTAN Askari Bank Limited Multan was inaugurated on December 28,1994. It is located on Abdali Road Opposite to PIA Office. The location is connected to all the main trade centers in Multan. It is a prosperous branch streaming towards great achievements. At the time of its establishment the factored who were considered are as follows †¢ Multan is zone covering a large population. †¢ Multan City is linked to many big cities. Agro based area constituting growers and gainers †¢ Army Offices & Fort Colony †¢ Educational Institution DEPARTMENTS: The bank has following department: †¢ Account Opening department †¢ ATM Department †¢ Credit Card Department †¢ Account Department †¢ Credit Department †¢ Remittance Department †¢ Foreign Trade Department †¢ Cash Department ACCOUNT OPENING DEPARTME NT Borrowing funds from different sources has become an essential feature of today’s business enterprises. But in the case of a bank borrowing funds from outside parties is al l the more vital because the entire banking system is based on it. The borrowed capital of a bank is much greater their own capital. Banks borrowing is mostly in the form of deposits. These deposits are lent out to different parties. Such deposit creation is done through opening an account in the Bank. In AKBL Multan Mr. Sheeraz Hassan is operating the account opening department along with performing some auxiliary functions of Check Book Issuing TYPES OF ACCOUNTS In AKBL, there are the following types of accounts: †¢ Current account. †¢ Saving Account. †¢ Askari Special Deposit Account. (ASDA) †¢ Basic Banking account †¢ Term Deposit. CURRENT ACCOUNT In current account there is no interest on it. It is for only transaction purposes. They are paid on demand. When a banker accepts a demand deposit, he incurs the obligation of the paying all cheques drawn against him to the extended of the balance in the account. As there is no profit paid on this account it is also called chequing account because cheques can be drawn on it. Current account is mostly opened for business. SAVING ACCOUNT The purpose of this account is to induce the habit of saving individuals in the neighborhood. The minimum deposit for opening the account is Rs. 1050/- (as obvious in the Annexure). Though individuals open such accounts for saving purpose, persons belonging to Armed forces and different military institutions are free to use this account on current basis. ASKARI SPECIAL DEPOSIT ACCOUNTANT ASDA account is an interest bearing current account interest is paid. The payment of return is monthly, where as the rate of return with aspect to the amount of minimum deposit clear from deposit schedules in following table). It is also chequing account because cheques can be drawn on it. It is necessary for this account that the client must maintain a minimum balance of Rs. 0,000 at the end of the month. That’s why it is similar to current account. It is mostly opened by Business but individuals too open this account. Tax of 0. 3% would be deducted on ASDA if withdrawals are more than Rs. 25,000. TERM DEPOSITS A term deposit is a deposit that is made for a certain periods of time at the end of the specific period. the customer   is allowed to with draw the principle a mount . AKBLs Term deposits are of types clear in the deposit scheme in the table). One of them is â€Å"Askari† Advantage one month. The rate of return on this account is set by head office. The term deposit account vary one month to 1 year for all following accounts (as clear from Deposit Scheme in the table). †¢ The amount of profit is given to depositors in three ways: †¢ By cash †¢ By sending a bank Draft to depositors Home address or Officers or whichever is specified as mailing Address. †¢ The amount is credited in any one of the checking Accounts of the depositor. ACCOUNT OPENING PROCEDURE Fro the chequing accounts (C/A, ASDA, SAVING), there are different types of account holders are required for all these types of account holders. The operation /procedure requirement that is needed for † Individual Account † differ greatly from † Joint account † proprietorship â€Å"Partner ship â€Å", â€Å"Limited Company† and â€Å"Club society   or Association † as explained below. INDIVIDUAL’S ACCOUNT When a single man or women opens an account in his/her own name and has the right to operate it is called individual Account. DOCUMENTATION REQUIREMENT For literate person copy of National Identity Card is required as a primary requirement. For illiterate person and Veiled Women, along with the copy of National Identity Card requirement he or she must come in person for opening the account. OPERATION †¢ The person place a â€Å"Check Mark † in the type of account and type of operation required †¢ He/She fills in part-I of the form , a fix his /her either two or four similar signature   (or thumb expression   in the signature space and get it introduced and signed by a person   who already has an account with the bank and write his account no in the specific rows in a specific space. †¢ The person fills in â€Å"next of Kin † position where he/she father, mother, husband/wife or any other relative’s name, his /her address, phone no and affix his/her signature to certify this requirement. This requirement is needed because in his/her absence bank can have correspondence with the specific person. †¢ The person put her /his signature († or thumb expression) on the signature Specimen Card (SS CARD) similar in the area on the form. One the back of S. S card mailing address, telephone no, Person to contact and introducer space is filled in. All these requirement are necessary for future †¢ The person deposits the initial amount for opening account on to the cash counter. The person put his signature on form -A (check book requisition) on two places in â€Å"authorized signature† and fills in the â€Å"Title of Account space by writing his name. †¢ If the person put his signature in Urdu or any language other than English, he signed a â€Å"Vernacular form† where under take that affixed signature are original and his own signature and two postal size photos are needed. †¢ The next day is the opening of account. JOINT ACCOUNT When two or more persons, neither partners, nor trustees, open an in their name is called joint Account. Husband and wife or two persons of same sex can open joint account. DOCUMENTATION For joint account copy of National Identity Card of all the persons is obtained other things remaining same as in individuals account. OPERATION †¢ The person checks the type of amount and type of operation required in the respective box on the form. †¢ The persons fill in the Part-I and part-II in the form. †¢ Signatures of both persons are obtained on the form in the area specified for signature and S. S. Card. †¢ In the title of account space names of all the persons are mentioned. †¢ Accounts holder specified in the form that they will operate the form singly or jointly. PROPRIETORSHIP ACCOUNT When an owner of a firm operating singly, opens an account in his firm name, this account is called a proprietorship Account the proper himself liable for all his acts. DOCUMENTATION REQUIRED For this kind of account, an application for opening the account on the firm letter -pad (having the firm name) is required along with the NIC Card of proprietor. OPERATION All operation remains the same except that the firm name is written in the â€Å"Title of the Account† area and signature of the proprietor are affixed in the S. S. Card and the area specified for signatures on the form. PARTNER SHIP ACCOUNT The account is opened in the firm name and all partner designate one two persons to act on behalf of the partner ship firmer all acts on behalf of firm. The partners in the partnership firm are liable for the acts of the firm jointly and severely. Every partner has in a firm has an implied authority bind his co. partners by drawing and enclosed cheques. DOCUMENTATIONS †¢ Copy of N. I. C card of all partners †¢ Application to open the account on the firm letter pad. †¢ Partner ship deed in case registered partnership firm. †¢ Letter showing the implied Authority of one or more partners to act on behalf of the firm. In case of non -registered partnership firm, understanding on behalf of the firm to remain liable for all acts of the firm. †¢ Name, address of all partners is written on the pad. OPERATION All other requirement remain same except that the form is dully signed by all partners cards are signed by all those partners who will act on behalf of the firm and along filling part-I , Part-Iv is also filled. LIMITED COMPANY ACCOUNT This account is for limited companies. In order to facilitate their transaction with outside parties, bank provides many facilities. DOCUMENTATION REQUIRED Memorandum of Association. †¢ Articles of the Association †¢ Resolution of the Board of Director. †¢ Certificate of Incorporation. †¢ Certificate of commencement of business †¢ N-I-C OPERATION The persons authorized in the Resolution of the Board of Directors put their signatures on S. S Cards. Next of kin â€Å"requirement â€Å"is not need in case of a Limited Company. After completing each and every formality, introducer signature is verified by S. S card and is stamped â€Å"Verified† customer signatures are admitted by stamping â€Å"Admitting† near signature and again signatures on S. S card are admitted in the same way. The same process of verification and admission of the signatures is repeated on Form-A and next of Kin area. After completing each and every formality, Accountant is open in the computer by writing name, address, A/C Number etc. LETTER OF THE THANKS At the start of the letter 2nd day, AKBL issues letter of thanks to â€Å"Account opener† and â€Å"account opener† and † Account Introducer † for the trust the have on AKBL. CHECK BOOK ISSUING Check books are issued only for checking account such as current Account, saving Account and ASDA Account. They are not issued for other fixed and term deposits because of their Long term Accounts â€Å"nature. † ISSUING PROCEDURE †¢ Signatures on cheque – book requisition are verified by matching with signatures on SS. †¢ Cheque – book leaves number, account number, account holder’s name are mentioned in the cheque- book is made by mentioning the and the total of sum of excise duty and provincial tax. †¢ The name of A/c holder and date of cheque – book issuance is written on cheque – book requisition the account-opening officer puts his initials on requisition leave. A/c number is stamped over the leaves of cheque – book and finally authorized person affix his   signature over the debit voucher   and he voucher is attached from the cheque book and is handed   over to the customer . RECEIVING INWARD CHEQUES Another responsibility and function of account Opening Department is to receive Inward cheques for collection of o ther Banks as well as of AKBL . Then these cheques are sent to clearing official who clears these checks at SBP from other banks. ACCOUNT CLOSING Account is closed on the written request of the customer AKBL free of cost. But to surrender the cheque book yet if some leaves are yet to be write to the bank as a necessary requirements for closing the account. PROCEDURE †¢ The customer for individuals account write an application to the manager of the bank an a simple paper about the closing of his account with the bank (In case of proprietor ship partnership and limited company account the application should be written an firm or company letter –head) †¢ The individual or in case of other type- proprietor firm and company surrender the cheque book to the bank. The cheque book is then torn from one side and is attached with the application. †¢ In case of Ltd. Company account resolution of the board of directors is also obtained to attach it with the application. †¢ The account opening form of the account holder is taken from the account-opening file, and the application, cheque book, and resolution of board of directors in case of limited company account are attached with the fo rm. †¢ Lastly, it is written in â€Å"Red Ink on the form that account closed† and â€Å"Date of account closing. † EVERYDAY POSTING Following transaction of cheque book is posted:- Dr_____________ party A/c  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   50(for 10 leaves) Rs 5/leave. ATM- CARDS DEPARTMENT This department deals in issuing   ATM-Card, term deposits and Askari Bachat Certificate. Mr. Sheeraz Hassan deals this department. ATM CARD ATM – Cards are only issue to Account Holder ISSUING PROCEDURE †¢ The person, first open the account within the blank. †¢ Then he fills the ATM application form in which name of account holder, Fathers name account number and   N. I. Card number are mentioned. †¢ A copy of N. I. card is also attached with the application form. After completing this process, the application package is sent to head office †¢ ACBL head office takes a period of 3-4 weeks for preparing and processing of ATM – cards. First, list of card holder is issued and then after 15 days cards are send to ACBL’s issuing branch. The card and list are not sent si multaneously in order to avoid any mishandling. †¢ ACBL takes Rs. 350/- for 1st time issuance as charges for a card †¢ Biannually takes Rs 75. ACCOUNTING DEPARTMENT Accounts department is a department which deals and checks all the activity of all the department . It also deals in expression of finance of the bank. Salary payment is also one function of the bank. CHECKING BANK’S DAILY ACTIVITY Accounts department deals and checks the entire working of the Branch; all the vouchers that have been posted at the computer are scrutinized in accounts department. The â€Å"End of Day† i. e. computer print is also received from the computer. The next day the activity is separated some statements from the â€Å"End of Day†. Then next day activity separated some statements from the â€Å"End of Day†. The vouchers are sorted   out head wise. The vouchers are matched with the entries in the statements. Any abnormality if occurs, is immediately dealt with. All the vouchers and instruction are checked individually are checked individually against the computer printouts. After checking they are signed by Mr. .Naeem Shehzad and the internal auditor Mr. Shafiq. OTHER ACTIVITIES †¢ Preparation of daily bank positions statement †¢ Payment of salaries †¢ Preparation of the statements †¢ Depreciation calculation †¢ Lockers Issuance REMITTANCE DEPARTMENT: The need of remittance is commonly felt is commercial life particularly and in everyday life generally. The main function of the remittance department is to transmit money from one place to another. By providing this service to the customer, Bank earns a lot of income. Also customer is able to meet its day to day financial requirements. Demand Draft: It is an instrument payable on demand for which value has been received, issued by the branch of the Bank drawn i. e. payable at some other place (branch) of the same Bank. If two Banks are involved then the DD is sent to other Bank but in other case it is handed over to the applicant. Issuance Procedure: A demand draft application is given to the customer, he fills in relevant information and signs it. †¢ The officer checks the information form. †¢ The Bank charges such as commission, excise duty is charged as per effective schedule of charges. If he fills the tax exemption form, tax is not charged. †¢ In case of cash deposit, the cashier counts the amount and signs the DD application and enters it in the register. †¢ Then the officer of remittance department signs it and operation manager counter signs it. †¢ The entry is made in the DD issuing register, DD is given to the customer. Vouchers are prepared and posted. †¢ DD advises are printed and mailed to the respective branch. Payment Procedure: †¢ The Bank receives DD. †¢ The DD credit advice is received through mail. The numbers are checked and signatures are verified. †¢ An entry is made on the DD payable register and the vouchers are made. †¢ DD credit is attached with the vouchers and given for posting to the computer. †¢ When DD is received the test numbers are checked and the payment is made. †¢ Vouchers are given for posting and the entry that was made in the register is closed i. e. DD payable is Nil. Pay Order: It is an instrument issued for payment in same city. Pay order issued from on e branch can only be payable from the same branch. It is normally referred to as Banker’s cheque. It is also called confirmed cheque, because   Bank issues this on it own guarantee. Issuance Procedure: †¢ The standard form is given to the customer. He fills in the details and signs it. †¢ The concerned officer checks the form. †¢ Bank charges (or commission) as per the schedule of charges and the withholding tax of 0. 3% are applied. †¢ The cash amount of the pay order is received. A cash memo is signed, stamped and handed over to the applicant as a receipt. †¢ Then the pay order receipt is filled accordingly. †¢ Counter foil is also filled. †¢ An entry is made in the pay order issue register. †¢ Then the authorized officer signs it after checking the pay order. †¢ The order is then handed over to the applicant after obtaining his signature on the PO Form. †¢ A voucher is also made and posted at the computer. Payment Procedure: †¢ On presentation of the pay order receipt, two authorized officers of the branch sign the receipt. †¢ PO entry is made in the PO issue register. Then the amount is credited to the account of the customer or pain in cash. †¢ PO is posted at the computer. Outward Bills for Collection: The bills, which are received by the Bank and sent to other cities (branches) for the local clearing in that city, are called Outward Bills for Collection. Procedure: †¢ The cheques that are of other cities are separated. †¢ They are entered in the OBC Register and OBC numbers are given to them. †¢ The OBC forwarding schedules are prepared for different branches. †¢ The respective cheques are attached with the schedule. †¢ The office copy is filled and original schedule is mailed. On clearing, the respective Banks send back the OBCs along with the IBCA (Inter Branch Credit Advice). †¢ The OBC numbers are checked from the OBC register, after that entries are made. †¢ Commission charges are deducted from the account. Inward Bills for Collection: The bills, which are received by the Bank from other branches out of the city for local clearing are called Inward Bills for Collection. Procedure: †¢ The OBC of other branches will be the IBC of this branch. So an OBC forwarding schedule is received by mail. †¢ The cheques are entered in the IBC register. The IBC numbers are allotted to them. †¢ The cheques are lodged for clearing. †¢ After realization, an IBCA is prepared and mailed to the branch from where the cheque was received. †¢ At the end of the day, two vouchers are prepared and posted. FOREIGN TRADE DEPARTMENT Foreign trade department deals in: †¢ Foreign currency account †¢ Exports †¢ Imports FOREIGN CURRENCY ACCOUNT Mainly this account deals in individual, personal and companies account CRITERIA FOR OPENING FOREIGN CURRENCY ACCOUNT There are not hard and fast rules for becoming the Foreign Currency Account holder. Bank wants only introduction of the Client and very little about the background. I. D card is also not necessary, if someone has; well and good, otherwise no restriction will be there for him. FEATURES OF FOREIGN CURRENCY ACCOUNTS †¢ There will be legal protection for the account holders. †¢ According to foreign exchange rules and regulation every citizen of Pakistan, either within the Pakistan or outside the Pakistan, can open the foreign currency account. †¢ Resident firms and Resident Companies including investment Banks can open Foreign Currency Accounts. All foreign nationals and foreign Companies in Pakistan or abroad can open Foreign Currency Accounts. †¢ Opening of Foreign Currency Accounts in the joint names of residents/non-residents is permissible. Foreign Currency can be deposited by: †¢ Remittance received from abroad †¢ Foreign Currency Notes †¢ There will be no restriction and questioning to him about the currency, which he wants to d eposit that from where he got that money. †¢ No Zakat will be deducted on these accounts; no Income Tax deduction, no Wealth Tax deduction will be there. These incentives reinforce and motivated the people to invest in foreign currency accounts rather to keep the foreign currency idle. †¢ Foreign currency accounts can easily be transferred from one person to another, one place to another, with in the ACBL Branches or in other Bank. †¢ The account holder can transfer the funds freely, in any currency to any part of the world. †¢ Foreign currency Accounts can be used for payment of purchases at Duty Free shops. FACILITIES This account provides following facilities: †¢ Traveling quota †¢ Out ward remittances †¢ In ward remittances receiving To make remittances procedure flexible EXPORT Mainly export deals in: †¢ Negotiation of documents †¢ Sending the documents for collection †¢ Pre-shipment financing †¢ Post-shipment financing â⠂¬ ¢ Remittance against agent commission †¢ Forward covered booking †¢ Handling the documents for negotiation according to the UCP 500 (uniform custom and practices) †¢ Handling the documents for collection according to URR (uniform rules for collection) †¢ Submission of monthly returns to SBP regarding the export on form A-2/O-2 IMPORT †¢ Opening the letter of credit Scrutinize the documents receive from flowing bank under letter of credit. Account to UCP 500 and extending the credit facility to the importer informs FIM (finance against imported merchandise) FATR (finance against trust receipt). †¢ Arrange forward cover booking regarding import payments †¢ Also arrange forward cover booking for letter of credit open other then ACBL †¢ Submission of monthly returns to SBP regarding the import on form I SWOT ANALYSIS SWOT (Strength, Weaknesses, Opportunities & Threats) analysis of AKBL is described below: Strengths: AKBL has got a well-develope d on-line system in most of its branches. Remittance Department is working very efficiently in transferring the funds of people due to this system. †¢ The Bank has also started ATM facility in most of its branches. 24-hour Banking is new trend in Pakistan and AKBL has also taken apart in this trend. †¢ One distinctive feature of the Bank is that it is the only Bank working for the welfare of army officers, which was established by Army Welfare Trust. †¢ The productivity of the Bank is very good. Bank is providing a high quality service to its customers. AKBL have strength that most of the imports which are done in Multan are handle by AKBL Multan. Weaknesses: †¢ AKBL has lesser number of branches as compared to many other branches. Due to this problem, army officers can not avail the benefits of their own Bank. †¢ The human resource department is not performing the function of selection and recruitment very effectively. Selection process is not on merit due to which competent persons cannot be selected. †¢ Bank should boost the product development and increase the range of facilities offered for customers. Bank is weak in its credit management. Bank should lend to very sound parties and increase its payment rate. Opportunities: †¢ Govt. is taking very bold steps to promote IT in Pakistan. AKBL has an opportunity to improve in technology. †¢ AKBL is surrounded by many competitors. It has an opportunity to do aggressive marketing to increase its business. †¢ AKBL may increase its branches in competitive areas Threats: †¢ AKBL has many competitors, which are continuously increasing its products and marketing aggressively. It may cause its customers to shift to competitors. Some other Banks have competent taskforce, which is also a threat for AKBL. Because human resource is the most valuable resource. †¢ Due to the increased bad situation of Pakistan in which army is considered to be involved increase the freq uency of withdrawals, which would decrease deposits. Financial Analysis: Financial Highlights The current year’s profit (2007) after taxation of the bank stood at Rs. 2,681,012 as compared to Rs. 2,249,974 for last year. The deposits decreased by 16. 49% to Rs. 11,197,424 as against Rs. 13,044,593 as on 31 Dec 2006. The loans and advances figure stood at R. 5,521,030 reflect on the improving market image of Askari Bank as a formidable financial institution. Ratio Analysis The information contained in the four basic financial statements is of major significance to various interested parties who regularly need to have relative measures of the company’s operating efficiency. Relative is the key word here, because the analysis of financial statements is based on the use of ratios or relative values. Ratio analysis involves methods of calculating and interpreting financial ratios to analyze and monitor the firm’s performance. The basic inputs to ratio analysis are the firm’s income statement and balance sheet. |Ratios |2007 |2006 | |Current ratio |1. 03 |1. 04 | |Total asst turnover |0. 11 |0. 09 | |Debt ratio |0. 93 |0. 3 | |Gross Profit margin |0. 11 |0. 22 | |Operating profit margin |0. 21 |0. 12 | |Net profit margin |0. 22 |0. 26 | |ROA |0. 02 |0. 02 | Earning asset to total assets Earning assets are the assets which are very important for any company for the bank earning assets are the assets on which bank can earn its profit which may includes loans, advances, operating fixed assets and other assets on the loans and advances bank can make profit by giving or investing in some where so Askari Bank has increased it’s earning assets in the year 2007 as compared to the previous year that show the good trend in the profitability of the Askari bank and the customer believe on the Bank. Ratio tells that on what percentage earning assets contribute the total assets. Well bank also has increased it’s earning assets ratio shows the more profitability of the bank as it can be shown by the profit and loss account of the 2007 that shows the net mark up income more for the year as compared to the previous year so bank is going gradually to the more profitability by giving more advances and loans. Earning assets ASSETS |2007 | | | | |Cash |13356055 | |Balances with other banks |3497054 | |Lending |14444143 | |Investments |39431005 | |Advances |100780162 | |Operating fixed assets |5128428 | |Total earning Assets |176636847 | |Other assets |5535038 | | | | |TOTAL |182171885 | Total Earning Assets:  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Rs. 176636847 Formula: Earning Assets / Total Assets = 176636847 / 182171885 = 0. 969616 Return on earning asset This ratio indicates the how much of earn ing assets take part in making of the profit before taxation. This ratio is decreased during the year. Why   is it so it has different reasons these are as follows Profit before taxation was more in the previous year as compared to the year 2007 because bank has low expenses and less provision for the bad debts and also bank has small investments and limited loans and advances but in 2007 situation has changed and bank increased its loans and advances. Earning assets were also low in the previous year as compared to the 2007 so overall ratio has been decreased but shows the good trend for the making of long term planning Formula: Profit after tax / earning assets = 2,681,012 / 176636847 = . 015 Loan loss coverage ratio This important figure is a reserve account to cover unexpected defaults on loans by borrowers. These are generally referred to as no performing loans. The higher the no performing loan and charge-off percentages, the higher the provision for loan losses should probably be. Consequently, this would reduce net income and earnings per share. Well in the year 2007 bank’s this ratio has been increased to a great extent due to different reasons theses are as follows. Profit before taxation is low for the 2007 due to more expenses because bank is in expanding mode that’s why its expenses are increasing day by day. Provisions and bad debts also increased in the year 2007 because bank also has invested more in this year and ad more also granted more loans. Formula: Provision against non-performing loan and advances / profit (loss) before tax = 3,920,240 / 2,299,785 = 1. 70 Loan to deposit Well there is a concept that bank’s loans are its assets while its deposits are liabilities. But if a bank has low deposits then obviously it will give low loans because bank gives it’s loans by the deposits and earn on the loans then pay mark up on the deposits to the customers. Well bank has increased its loans to deposits ratio in the year 2007 showing its more deposits as well more loans and that is good for the bank to remain in the market and to penetrate in the market. But profit has not increased with the same ratio because Bank has low mark up rates Bank has more capacity for provisions Formula: Loans / deposit = 14444143 / 11,197,424 = 1. 289 Current ratio This ratio indicates the liquidity of the bank. Well this ratio has been decreased but nt much decreased during the year to a small extent due to Bank has increased its deposits so liabilities have been increased. Bank has increased its assets as well to overcome the liabilities. So overall we can say bank is the liquid enough to pay its liabilities Formula : Current assets / current liabilities = 171508419 / 166214583 = 1. 03 Debt Ratio: Debt ratio remained the same in previous year it was . 93 and in 2007 its again 0. 93. Bank has not decreased its debt ratio in 2007. Net Profit Margin: Net profit margin of a bank has been increased from 0. 12 to 0. 21. Horizontal and vertical analysis Comparing analytical data for a current period with similar computations for prior years affords some basis for judging whether the condition of the business is improving or worsening. This comparison of data over time is called as horizontal or trend analysis, to express the idea of reviewing data for a number of consecutive periods. It is distinguished from vertical analysis or static analysis which refers to the review of the financial information of only one accounting period. HORIZONTAL ANALYSIS Balance sheet accounts | |2007 | |2006 | |%age | |ASSETS | | | | | | | | | | | | | | | |Cash | |13356055 | |14879230 |-1523175 |-10. 2369 | |balances wid other banks | |3497054 | |7333002 |-3835948 |-52. 3107 | |Lendings | |14444143 | |8392950 |6051193 |72. 9852 | |Investments | |39431005 | |28625915 |10805090 |37. 74583 | |Advances | |100780162 | |99179372 |1600790 |1. 614035 | |o. fixd assets | |5128428 | |3810331 |1318097 |34. 59272 | |defferd tax assets | | | | | | | |other assets | |5535038 | |3812788 |1722250 |45. 7036 | | | | | | | | | |TOTAL | |182171885 | |166033588 |16138297 |9. 719899 | | | | | | | | | |LIABILITIES | | | | | | | | | | | | | | | |bills payable | |2627051 | |1839077 |787974 |42. 4617 | |Borrowings | |17553525 | |14964087 |2589438 |17. 30435 | |deposits&other acc | |143036707 | |131839283 |11197424 |8. 493238 | |sub-ord loans | |2997300 | |2998500 |-1200 |-0. 04002 | |liabl against assets | | | | | | | |deferred tax liab | |471519 | |736298 |-264779 |-35. 608 | |other liab | |3219796 | |2603113 |616683 |23. 69021 | | | | | | | | | |TOTAL | |169905898 | |154980358 |14925540 |9. 630601 | | | | | | | | | |Net assets | |12265987 | |11053230 |1212757 |10. 97197 | PROFIT and loss accounts |2007 | |2006 | |%age | | | | | | | | |interest earned |15143241 | |12596921 |2546320 |20. 213 83 | |interest expensed |8685624 | |6977313 |1708311 |24. 48379 | | | | | | | | |net mark up/interest income |6457617 | |5619608 |838009 |14. 1223 | | | | | | | | |loans & advances |3920240 | |1128137 |2792103 |247. 4968 | |value of investment |1501 | |376 |1125 |299. 2021 | |bad debts written off | | | | | | | |3921741 | |1128513 |2793228 |247. 14 | | | | | | | | |interest income after provision |2535876 | |4491095 |-1955219 |-43. 5355 | |Non markup/interest income | | | | | | | | | | | | | |fee,comm,brockerage income |1072868 | |1013660 |59208 |5. 41012 | |dividends income |137079 | |109326 |27753 |25. 38554 | |income from dealing in for curr |655761 | |584344 |71417 |12. 22174 | |gain on sale of inv |2361251 | |112474 |2248777 |1999. 375 | |unleasing gain |1728 | |-2308 |4036 |-174. 87 | |other income |336809 | |321758 |15051 |4. 77739 | | | | | | | | |total non markup/interest income |4565496 | |2139254 |2426242 |113. 4153 | | | | | | | | | |7101372 | |6630349 |471023 |7. 104045 | |Non markup/interest expense | | | | | | |admin exp |4789536 | |3277353 |1512183 |46. 4038 | |other pro/write offs | | | | | | |other charges |12051 | |6141 |5910 |96. 2384 | | | | | | | | |total non markup/interest expense |4801587 | |3283494 |1518093 |46. 23407 | | | | | | | | | |2299785 | |3346855 |-1047070 |-31. 852 | | | | | | | | |Profit before taxation | | | | | | | | | | | | | |current yrs |98535 | |983875 |-885340 |-89. 985 | |prior yrs |-233950 | | | | | |Deferred |-245812 | |113006 |-358818 |-317. 21 | | | | | | | | | |-381227 | |1096881 |-1478108 |-134. 756 | |Profit after taxation |2681012 | |2249974 |431038 |19. 15747 | | | | | | | | |profit brought forward |1799979 | |1617597 |182382 |11. 7487 | | | | | | | | |profit available for appr. |4480991 | |3867571 |613420 |15. 8606 | VERTICAL ANALYSIS balance sheet accounts | | |2007 | |2006 | | |ASSETS | | | | | | | | | | | | | |cash | |13356055 |7. 331567657 |14879230 |8. 961578 | |balances wid other banks |3497054 |63. 8030698 |7333002 |4. 416577 | |lendings | |14444143 |7. 928854115 |8392950 |5. 054971 | |Investments |39431005 |21. 64494538 |28625915 |17. 24104 | |advances | |100780162 |55. 32146851 |99179372 |59. 73452 | |o. fixd assets |5128428 |2. 815158881 |3810331 |2. 294916 | |defferd tax assets | | | | | |other assets |5535038 |3. 038360173 |3812788 |2. 296396 | | | | | | | |TOTAL | |182171885 | |166033588 | | | | | | | | | |LIABILITIES | | | | | | | | | | | | |Bills payable |2627051 |1. 442072689 |1839077 |1. 107654 | |Borrowings |17553525 |9. 635693784 |14964087 |9. 012687 | |deposits&other acc |143036707 |78. 51744357 |131839283 |79. 40519 | |Sub-ord loans |2997300 |1. 645314259 |2998500 |1. 80596 | |liabl against assets | | | | | |deferred tax liab |471519 |0. 258831927 |736298 |0. 443463 | |other liab | |3219796 |1. 767449461 |2603113 |1. 67823 | | | | | | | | |TOTAL | |169905898 | |154980358 | | | | | | | | | |Net assets |12265987 | |11053230 | | Findings on the basis of analysis By the horizontal or comparative analysis in which base year is taken as 2006 certain changes are measured in the Bank’s performance. Cash with other banks and balances with other banks gradually increased in the time line showing the bank’s good performance and this indicate that bank can earn more by making balances with the other banks. Lending to financial institutions not done in the last year due to more investments done by the bank and by giving more and more advances to the customers but this also has increased the bad debts and provisions of the bank as compared to the previous years. Operating assets has been decreased so that is in favor of the bank. On the liabilities side bank also has increased it’s bills payable that shows that bank has certain increased in the liabilities as well bank’s deposits also increased showing the great penetration in the market place as well customer’s believe on the bank to make deposits that’s why bank’s mark up expense has been increased. Equity also increased in the previous year but bank’s profit has been decreased because bank has invested so much and in the development process so increased in the expenses. Overall bank’s financial position in the marketplace has been increased in terms of deposits and advances. All these reasons are favorable to the bank in year 2006 because at one side bank’s assets have been increased in the form of advances and at other side markup income increased due to deposits because bank can more invest it Balance Sheet’s one portion that is Assets shows certain changes during the year. e. g Cash & balances with treasury banks have been increased that shows the bank has fulfilled and improved SBP requirements because of maintenance of foreign currency as well as Pakistani currency with other banks due to this balances with the other banks whether outside the Pakistan or inside the Pakistan have been increased. While investment have been decreased due to making balances with the other banks and so advances increased by giving more to the customers so earning power also increased. In 2007 bank not lend money to the financial institutions. Bank’s operating fixed assets have been decreased to a small extent due to this profit also is increased because bank is the service organization and for service organizations no need of more operating fixed assets. Bank’s deposits and other accounts have not been increased to the same extent as bank is giving advances. Well that shows a positive trend because bank expenses would be automatically decreased that are due to cash management. Bank’s net assets have been decreased because of less operating fixed assets and also due to increase in liabilities. Balance Sheet shows the assets are more contributed by the Advances and liabilities are more contributed y the Deposits that are favorable for the Bank. Overall result is less profit for 2007 as compared to 2006. But this has certain different reasons these are as follows Increase cash and balances with the other banks More advances Increase in deposits All these reasons are favorable to the bank in year 2007 because at one side bank’s assets have been increased in the form of advances and at other side markup income increased due to deposits because bank can more invest it. Applications of Class Room Concept: In Accounts department there was an implementation of   Financial Accounting in making balance sheets, income statements, calculation of depreciation etc †¢ In credits department there was an implementation of different categories of loans l ike personal loans, corporate loans etc which was studied in Financial Management. Recommendations: Already the bank is having a good infrastructure not much recommendations are needed as a manager but few can work :- †¢ Customers should be given some sort of facilities which can convince people for investment and go for Askari bank for Exports n Imports. †¢ Fist floor of bank is much congested, there is needed to work on that. †¢ There is not a proper environment of customer dealing on that floor that’s why customer feels difficulty in that. Accounts department was much congested, so area of that department should be extended. †¢ After biannually closing of bank there should be a get together of all the employees of bank which can give them a healthy atmosphere to work. †¢ Few of the employees used to interfere in others work so they should be strictly advised to perform their own duty well. Categories: Internship Comments are closed. 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