Gender Roles - 1450 Words

Question 1 1. Your _____ depends on whether you were born with distinct male or female genitals and a genetic program that released either male or female hormones to stimulate the development of your reproductive system. Answer | a. | self | | b. | gender identity | | c. | sex | | d. | gender | | e. | gender role | 4 points Question 2 1. The feelings, attitudes, and behaviors typically associated with being male or female are termed one’s _____. Answer | a. | hormones | | b. | gender | | c. | sex | | d. | gender role | | e. | gender identity | 4 points Question 3 1. Your identification with, or sense of belonging to, a particular sex – biologically, psychologically, and socially is called _____.†¦show more content†¦| | c. | boys and girls are fully committed to gendered activities at school and at home. | | d. | gender boundaries are exceptionally rigid among children. | | e. | children passively respond to adult demands. | 4 points Question 12 1. Thorne found that contests, chasing games, and other activities often involved self-segregation of boys and girls. She also reported many cases of boys and girls _____. Answer | a. | playing together | | b. | playing alone | | c. | hurting each other | | d. | fighting | | e. | avoiding each other | 4 points Question 13 1. In Thorne’s research on a fourth-and fifth-grade American classroom she noted that activities requiring cooperation such as a group radio show or an art project Answer | a. | heightened attention to gender. | | b. | created more conflict between boys and girls. | | c. | required putting the students into same-sex groups. | | d. | lessened attention to gender. | | e. | made gender roles more distinct. | 4 points Question 14 1. Most research comparing co-ed and same-sex schools does not indicate that Answer | a. | girls do much better in same-sex schools. | | b. | girls in same-sex schools have greater self-esteem and self-confidence. | | c. | in same-sex schools girls focus more on academic excellence and less on attractiveness. | | d. | same-sex schools provide more same-sex role models for girls. | | e. | same-sex schools reinforce moreShow MoreRelatedGender, Masculinity, And Gender Roles1380 Words   |  6 Pagesenvironment, but is instead, viewed from the perspective of women themselves. They are not observed from outside in, but from the inside out. At the same time, Danzon reverses and thus subverts the classic representations of gender, while relocating and challenging gender roles. Unlike the common representation of women in former Mexican cinema, femininity is not defined as being an opposition to masculinity in the film. In fact, men almost rarely appear. When they do appear, they appear as constructedRead MoreThe Role Of Socialization And Gender Roles852 Words   |  4 PagesINTRODUCTIOn tell me what you are focussing on†¦..family and theirgender roles Socialisation is the process by which a child learns to respect his or her environmental laws such as norms, values and customs. Socialisation helps the infant gradually become self-aware and a knowledgeable person, skilled in the ways of the culture into which he or she is born. Children within the primary socialisation of the family learn a great deal from parents and other care givers such as grandparents, grandmothersRead MoreGender Roles And Gender Role844 Words   |  4 PagesGender Roles can be defined as roles society expects people to play on account of their sex life. Like all roles, gender roles are made up of sets of expectations, so they can be thought of as sets of expirations, so they can be thought of as sets of expectation that are attached to sex.(pp: 220 John E. Farley Michael W. Flota). The key word gender role affects me personally because as recent graduate of high school it’s time for me to go into the real world, of working class gender role of theRead MoreGender Roles And Gender Role Essay784 Words   |  4 Pagessession, I will discuss the gender roles in my family. The definition of gender role is the degree to which a person adopts the gender-specific behaviors ascribed by his or her culture (Matsumoto, D. R., Juang 2013, 156). For example, traditional gender roles recommend that males are aggressive, angry, and unemotional. It goes further and explains that the male should leave the home every day to make a living and be the main wage earner. The traditional gender role for the female purpose is toRead MoreGender Roles And Gender Role Essay1385 Words   |  6 PagesOF SUBMISSION Gender roles Introduction Gender is set of characteristics that may be used to differentiate between female and male through the use of one’s gender or through gender identity therefore. Gender role can be considered as the hypothetical construct in humanities and in many social sciences referring to a set of behavioral and social norms which in a particular culture may be largely regarded to be socially appropriate for individuals of a particular sex, gender roles vary from variousRead MoreThe Shift Of Gender Roles940 Words   |  4 PagesThe Shift of Gender Roles Gender roles are a major component of many wonderful pieces of literature and differ as time passes. The amazing part about reading novels set in different time periods is that as readers we can see the progression of these gender roles throughout time. Willa Cather s novel One of Ours displays both traditional and non-traditional gender roles. These gender roles are displayed through the main characters Claude and Enid, and minor characters such as Leonard Dawson andRead MoreThe Influence Of Gender Roles1404 Words   |  6 Pages The Influence of Gender Role Stereotyping Shawn Berkley Santa Fe College Abstract Study on gender role stereotypes has shown that there are several negative effects of stereotyping. The study on how gender role stereotyping effects children is not as prevalent because most believe that it doesn’t matter, since children are just forming their stereotype so children do not care. However, some psychologists have done some research on it, and from their researchRead MoreGender Roles in Society1047 Words   |  4 PagesBroadly conceptualized, gender roles are what our society expects and values in their community. They shape our behavior and values, thoughts and feelings, even going so far as to denote a person’s worth. Gender roles are present in everyday situations. In the past they strictly dictated the behavior of people in the community (the right to vote, occupations women were allowed to work in), though in the recent past have become more subtle and more successfully challenged. In some instances they areRead MoreThe Gender Roles Of A Woman975 Wo rds   |  4 Pagesshe is immediately outcasted and seen as a problem instead of embraced. Anowa, who is the young lady protagonist in Ama Ata Aidoo’s short story, â€Å"Anowa†, does just that. She challenges the gender roles in many ways throughout the story in order to push back against the idea that all women should accept the role as the passive bystander to her male counterpart that society and traditions have predetermined for her, she ultimately expects more out of her life than just living her mother’s life. RegardlessRead More Gender Roles Essay864 Words   |  4 PagesGender Roles The affects of gender roles on people greatly change the way the society runs. According to the Websters dictionary the definition of gender are the behavioral, cultural, or psychological traits typically associated with one sex, and the definition of role is a character assigned or assumed. The key word in this definition is assumed; therefore, whether you are male or female, you know what role you must play in society. Traditional gender roles are beneficial

Uncle Tom s Cabin By Harriet Beecher Stowe - 4121 Words

12 An Investigation of the influence of Uncle Tom’s Cabin by Harriet Beecher Stowe in the varying perspectives of early 19th Century Americans Research Question: In Uncle Tom’s Cabin by Harriet Beecher Stowe to what extent did the material influence the perspectives of those in the antebellum south and the North concerning slavery? Category: Literature Group 1 Word Count: 3713 ABSTRACT Different perspectives within the American population rose with the publication of Uncle Tom’s Cabin by Harriet Beecher Stowe. Slavery, was the main component of labor for both the North and South of the United States. However, the treatment of slaves was unknown to Americans from the North and caused a variety of reactions that ranged from†¦show more content†¦Through her work, Stowe used pathos as a persuasive method that changed the perspective of Americans during a time of civil unrest and search for justice. A book written by an American abolitionist, Stowe, introduced a topic not taken so lightly in the South. In contrast to a topic so easily fed by ignorance in the North. Although, this book is mentioned in most history books of its importance, it never states the appeal it took to those who read it. Stowe targeted the ideology of that era. The publication of this book changed the face of literature by the reactions in Americans following the high demand of Un cle Tom’s Cabin. The book itself contains the shortcomings of being born a slave and yet undergoing the different experiences that, during its time period, were unknown and ignored in the United States. The fact, that a book, a small nonmalignant object created such outrage in regions of the United States. It created an immediate discussion around the nation over the ethical and moral issues of slavery. How did this reaction occur? HowShow MoreRelatedUncle Tom s Cabin By Harriet Beecher Stowe901 Words   |  4 PagesHarriet Beecher Stowe’s Uncle Tom’s Cabin was a story that described the real life plight of an American Slave. Kentucky farmer George Shelby amassed enormous debts and faces the possibility of losing everything he owns. To settle his debts he makes the decision to sell two of his slaves, Uncle Tom and Eliza’s son Harry. Eliza is a young, beautiful quadroon girl who George Shelby’s wife took on as a daughter. Eliza overhears a conversation between George Shelb y and his wife concerning the impendingRead MoreUncle Tom s Cabin By Harriet Beecher Stowe Essay1351 Words   |  6 PagesIn Uncle Tom’s Cabin, Harriet Beecher Stowe uses the character of Augustine St. Clare to play a very important role in expressing her views of abolition to the reader throughout the novel. St. Clare is, in himself, a huge contradiction of a character, as his way of life is supported by the same system that he despises, slavery. St. Clare professes multiple times in the book that slavery is wrong, yet he holds slaves and refuses to release them, making him a hypocrite whose morals are right, mainlyRead MoreUncle Tom s Cabin By Harriet Beecher Stowe1295 Words   |  6 PagesUncle Tom’s Cabin, one of the best classic novels by Harriet Beecher Stowe takes place in Kentucky on Mr. Shelby’s land. In Uncle Tom’s Cabin, the author communicates to the reader the horrific actions and aftermaths of slavery. She does this by telling the story of slaves who were sold to unpleasant masters, showing slavery rips apart families and loved ones, and by showing how children - both free and slave - are affected by slavery. In Uncle Tom’s Cabin a main point to take away from the bookRead MoreUncle Tom s Cabin By Harriet Beecher Stowe1008 Words   |  5 PagesIn the 1800’s,a horrible sin of slavery took America by storm. Africans were brought to the United States as slaves. They were sold like animals, separated from their families, and forced to work for wealthy white men. They underwent torture, famine, and verbal abuse, the sole reason for their mistreatment being their skin color. Movements were made, protests held, but what no one was expecting was a short white lady by the name of Harriet Beecher Stowe to make the change that no one had yet achievedRead MoreUncle Tom s Cabin By Harriet Beecher Stowe1522 Words   |  7 PagesLincoln is quoted as saying, â€Å"So you’re the little woman who wrote the book that started this great war.† upon meeting Harriet Beecher Stowe for the first time. The book that the former president is referring to is Uncle Tom’s Cabin, a 1850s book about the moral wrongs of slavery. It has been said to be the most influential anti-slavery book that has ever been written. Harriet Beecher Stowe is an effective author. She uses numerous literary devices such as facile characters, character foils, and symbolismRead MoreUncle Tom s Cabin By Harriet Beecher Stowe1357 Words   |  6 PagesUncle Tom’s cabin Uncle Tom s Cabin from the author Harriet Beecher Stowe, was first published in 1852 was a book that tackled the repulsive acts of slavery. In this paper I will discuss my overview and opinion on this book. It is clear if you have a general idea of this book you would know how to this novel ultimately inspired the civil war. As said by our 16th Abraham Lincoln when he met the author â€Å"so you’re the women who brought this Great War† Uncle Tom’s cabin has had a great influence onRead MoreUncle Tom s Cabin By Harriet Beecher Stowe975 Words   |  4 PagesThere are numerous likenesses and contrasts between the lives of the slaves from Uncle Tom s Cabin, composed by Harriet Beecher Stowe, and that of the wage slaves from Sinclair s The Jungle. Featured mutually in each books, was slavery. Along with that, both novels allocate the authors’ perspectives on the issue. In Sinclair’s book, he wrote about the lives of the wage slaves, how capitalism aff ected the wage slaves. Meanwhile, Stowe’s consisted more on a religious aspect, going in depth of howRead MoreUncle Tom s Cabin By Harriet Beecher Stowe1019 Words   |  5 PagesUncle Tom’s Cabin by Harriet Beecher Stowe is â€Å"one of the most famous books in the world† she is considered to be the woman that started the civil war. This book presents Anti-slavery ideas using Religion, Maternity and the idea of Gender Roles to promote the idea of Anti-Slavery. Throughout Uncle Tom’s Cabin there are â€Å"slave problems†,how slavery destroys and crumble families by splitting apart mother and child along with husband and wive.Stowe argues that these slavery brings out the femininityRead MoreUncle Tom s Cabin By Harriet Beecher Stowe1760 Words   |  8 PagesHarriet Beecher Stowe was born in June 14, 1811 in Lichfield, CT and was the sixth of her family’s eleven children. Beecher’s parents taught their children that their primary life goal was to make their mark. All seven sons became ministers, Isabella (the youngest) founded the National Women’s Suffrage Association, and Harriet revealed the horrifying truths and dissolved the social injustice of slavery. During her 85 years Beecher published thirty novels, but her bestselling book Uncle Tom’s CabinRead MoreUncle Tom s Cabin By Harriet Beecher Stowe Essay1090 Words   |  5 PagesUncle Tom’s Cabin was the most popular story in the mid to late 19th century. There are nearly thousands of copies of that novel sold. The author Harriet Beecher Stowe was an amazing author and abolitionist. The purpose of her writing Uncle Tom’s Cabin is to influence other people to abolish slavery. Uncle Tom’s Cabin was based on Religion and the abolition of slavery. Uncle Tom’s Cabin was epic story in the mid 1800’s because it represents the cruelty of slavery and religious beliefs. Stowe kind

Business Research Methodology Art and Design

Question: Discuss about theBusiness Research Methodologyfor Art and Design. Answer: Introduction The research process is defined as a few steps that are performed consecutively in a systematic manner by the researcher for completing a research work successfully. As per the work of D.R. Krathwohl, in his book named Social and Behavioral Science Research, the author described the research process in total four steps. These include firstly, introduction, secondly, methodology, thirdly, results or outcome and finally, discussion(Krathwohl, 1985). Moreover, it has been found that Jossey Bass in San Francisco published this particular book of D.R. Krathwohl in the year 1989. The author of the particular book resembles the process of research as a chain of logical steps and thus he has manifested the concept in the format of the final report. From detailed analysis, it can be said that the particular author of the book explained the concept of resembling the method or process of research as a chain of logical steps through a simple and conceptual diagram (Taylor, 2015). The diagram is consisted of four big oval shaped structures and each of these oval shaped circles is consisted of various numbers or chains of relatively smaller circles. The numbers of relatively smaller circles vary from one big oval shaped circle to another that is it can be said based on the diagram that the four relatively bigger oval shaped structures represent the four stages or steps of the research process. All the four bigger circles are arranged in a vertical order and are interconnected with each other (Saunders, 2014). The first relatively bigger oval shaped circle at the top represents the first step of the research process that is Introduction. The second bigger oval shaped circle right next to the first one represents the second step of the research process that is Method and the third circle next to it represents the third step of the procedure that is Results. Lastly, the relatively bigger oval shaped circle that is placed at the bottom of the chain represents the last or fourth step of the research process that is Discussion. The relatively smaller circles that are represented as the chain of circles within the relatively bigger ones are considered as the sub-sections or detailed steps within one particular stage. As per the diagram, it can be said that the first bigger oval shaped structure in the top is composed of five relatively smaller circles. These imply that the introduction stage is composed of five steps and these include firstly, statement of the problem, secondly, theoretical background, thirdly, historical background, fourthly, current situation and fifthly, hypotheses and/ or expectations (Lewis, 2015). As the first stage that is introduction is composed of all these five steps, it is also considered as familiarization. The second oval shaped structure that is the second stage method is composed of chain of three relatively smaller circles. This chain of three smaller circles represents the three steps of methodology, these include firstly, sample, secondly, materials and/ or apparatus and thirdly, procedure. The third relatively bigger oval shaped structure that is the stage Results is composed of chain of two relatively smaller circles (Hair Jr). This represents that the third stage of the research process that is Results is composed of two steps and these are firstly, results where description, tables and graphs are provided and explained and the analysis procedures in the second step. Therefore, the third stage of the research process is also considered as the fieldwork, whereas, the second stage Method is considered as planning as here scheduling of the sample, materials and procedure take place. Lastly, the relatively bigger oval shaped structure at the bottom of the cha in that is the last stage Discussion is composed of chain of three relatively smaller circles and this represents the particular stage is composed of three steps. These include interpretation of results, limitations and implications of results (Gray, 2016). Thus, the fourth stage of research process is known as analysis and interpretation stage. Therefore, on the basis of the diagram, it can be said that all the four steps of the research process are interrelated to each other and are arranged in a systematic way. Moreover, all the steps of each of the stage are also interconnected and have to perform in a systematic order. Thus, this chain of stages for the procedure of research can be regarded as the chain of logical steps. References Gray, C., Malins, J. (2016).Visualizing research: A guide to the research process in art and design. Routledge. Hair Jr, J. F., Lukas, B. (2014).Marketing research. McGraw-Hill Education Australia. Krathwohl, D. R. (1985). Social and behavioral science research: a new framework for. Lewis, S. (2015). Qualitative inquiry and research design: Choosing among five approaches.Health promotion practice, 1524839915580941. Saunders, M. N., Lewis, P. (2014).Doing research in business and management: An essential guide to planning your project. Pearson Higher Ed. Taylor, S. J., Bogdan, R., DeVault, M. (2015).Introduction to qualitative research methods: A guidebook and resource. John Wiley Sons.

Kate Chopins The Awakening Essays - Freudian Psychology,

Kate Chopin's The Awakening Kate Chopin's Awakening, depicts the life of a woman, Edna, in the early 1900's who revolts against the social status quo and leads the life of an independent female regardless of all the risks. It is a story that unfolds the two parts of her life, only to see them both fall apart. Thus we see the unreasonable conflict between her exterior world, the role of a wife and a mother that society has imposed on her and her interior reality of emotions and sexuality which initially are asleep and awaken through the course of the novel. For the arousal of each aspect, two men are responsible, Robert and Arobin, which correspond to the two sides of her existence. The complexity of Edna's character, the richness of the novels details, stimulate the reader to probe deeply into the characterizations and meaning of her life. Edna has lost touch with the chain of humanity and the society in which she lives, as a result, she cannot make a true commitment to life. Based on this fact, the novel's dev elopment shows a repeated movement down to the depths of Edna's unconscious and back to her conscious world. Edna's emotional awakening was stimulated by Robert whose presence built up her confidence allowing her to break out of her private inner world reinforcing a totally different angle of viewing her life. Intense emotions were foreign to Edna so she had always kept her distance from them. When she surrenders she becomes a victim of these emotions Edna bit her handkerchief convulsively, striving to hold back and to hide, even from herself as she would have hidden from another, the emotion which is troubling - tearing - her. Her eyes were brimming with tears (p.689). Before Robert came along, feelings of anguish, troubled dreams, intense heart beats, the delight of feeling male arms folding around her body or simply missing someone just as one misses the sun on a cloudy day?.(p.693), were strange and distant from her reality. As Freud would explain in his psychoanalytic theory, we are conscious only of one tenth of our desires and motives. Robert brought the emotional aspects of her inne r troubled world to the surface, stimulating her desire for love, intimacy and the ecstasy of Romance. But this emotional awakening was double-edged. On the one hand it delighted her and opened new depths in her and on the other hand, it became her consolation in the sense that she couldn't live the life she dreamt of. Edna's mondus vivendi was suffocating. She was trapped in a world that didn't satisfy her in any way. There was a great hasma between what she really wanted out of life and what was expected from her by society. Edna's sexual instincts or life instincts according to Freud, were awakened by Arobin. He aroused her sexual drives, fulfilled her need for a male figure to substitute for the absent Robert. Arobin is the sensation of passion, the one who stimulates, arouses and pleases her bodily need to be touched and admired, She had become supple to his gentle, seductive entreaties (p.709). The perfect match for Edna would be love and passion at the same time but she compromises and experiences feelings of regrets for nourishing only her body with Arobin, She felt somewhat like a woman who in a moment of passion is betrayed into an act of infidelity, and realizes the significance of the act without being wholly awakened from its glamour (p.713). Arobin's character corresponded to the unconscious of Edna's physicality taking advantage of her vulnerable state, Alcee Arobin's manner was so genuine that it often deceived even himself (p.713). Edna was a confused woman, Arobin was a master in handling woman and took advantage of her. In the concluding part of the story, certain moral and human ideas begin to emerge with greater clarity. Edna realizes the horrifying meaning of her life in the sight of the sea, which offers her the freedom, for which she rebelled for. We are now more aware of the desperate complications of her mind, Despondency had come upon her there in the wakeful night, and had never lifted. There was no one thing in the

Application of social learning theory in psychology research Essays

Application of social learning theory in psychology research Essays Application of social learning theory in psychology research Essay Application of social learning theory in psychology research Essay Explaining substance usage among Puerto Rican striplings: a partial trial of societal larning theory’ is an article by Holly Ventura Miller. Wesley G. Jennings. Lorna L. Alverez-Rivera and J. Mitchell Miller. The article is a 2008 publication in the Journal of Drug Issues Volume 38. issue figure 1. In this survey. Miller et Al ( 2008 ) seek to utilize societal larning theory to understand substance usage among Puerto Rican striplings as portion of the larger Latino group. The importance of societal acquisition is assessed through happening out the consequence of differences in an individual’s description of substance usage as compared to the description that equals have. This survey is based on the position that most striplings who have friends who are in substance maltreatment besides become substance maltreaters. Percepts about drug maltreatment besides seem to be similar with those held by the equals. Social interactions of the young persons hence seem to play a large function in erudite behaviour and perceptual experiences. Miller et Al ( 2008 ) have reviewed considerable literature on societal larning theory more so the facet of differential association in acquisition of socially unacceptable behaviour. A cross-cultural application of societal larning theory signifiers the centre of this survey where a group ( 288 young persons ) of Puerto Rican striplings is chosen as the survey sample. This survey specifically focuses on how equal and personal perceptual experience of substance usage influence intoxicant. coffin nail and marihuana usage. The survey-type of survey was carried among school traveling young persons aged 14-19 old ages in San Juan. Puerto Rico. The topics were selected from public and private schools with the sample size from public schools being well higher compared to that from private schools ( 69 % versus 31 % ) . The study was conducted utilizing questionnaires where several variables were assessed. Questionnaires administered in public schools were written in English whereas those issued in public schools were in Hispanic. The survey excluded topics who did non describe being Latino since ethnicity was a really important variable. The striplings were assessed of their behaviours as respects to alcohol maltreatment. coffin nail smoke and marihuana usage. Forecaster variables were societal acquisition ( definitions on substance maltreatment ) and sex. The control variables in this survey were age and belonging to single-parent household. After statistical analyses ( logistic arrested development analyses ) . it was found out that young persons in private schools had a greater life-time substance usage and reported peer influence in the usage of the three substances. In add-on. males were likely to be involved in usage of the three substances under survey as opposed to females in both types of schools. In private schools. a important difference in substance usage was noted to be between males and females. It is besides noteworthy that coffin nail usage among females in public schools was influenced by their positions of smoking coffin nails as a favourable behaviour. This was besides the instance with private school males. Personal definitions were besides found to play a large function in intoxicant ingestion. Marijuana usage was chiefly due to the influence of peers’ definition as opposed to personal definition. Miller et Al ( 2008 ) hence concluded that if personal definitions of substance usage are favourable. the likeliness of substance maltreatment is high. Peer definitions are besides significantly of import determiners of substance maltreatment as evidenced by marihuanas use among Puerto Rican striplings. Sexual activity is besides a deciding factor in act uponing substance usage. Article 2 The article social acquisition. ego control. and substance maltreatment by eight grade pupils: at narrative of two cities’ by L. Thomas Winfree Jr. and Frances P. Bernat is a 1998 publication in the Journal of Drug Issue volume 28. issue figure 2. In this survey. Winfree and Bernat ( 1998 ) examine the effectivity of the societal cognitive theory and self control theory in foretelling degree of substance maltreatment among a group of eight graders in a big versus a little metropolis. Among the substances the substances that the eight class pupils are assessed of include intoxicant. coffin nails. and marijuana among others. This sample is selected from Phoenix. Arizona and Las Cruces. N. M. the metropoliss are pick for this survey due to differences in types of offenses therefore the writers of this survey challenge that the two theories can non be used to foretell substance maltreatment among the two groups of young persons. Winfree and Bernat ( 2008 ) argue that the societal acquisition theory is viewed as being able to foretell how people develop delinquent behaviours. every bit good as the environment that is likely to predispose one to delinquent behaviours. As such. it is viewed that substance maltreatment by young persons can be predicted by the societal acquisition theory every bit long as the societal environment of the young person is good understood. On the other manus. Winfree and Bernat ( 1998 ) argue that the ego control theory indicates that the degree of ego control determines human behaviour particularly in consideration of factors such as self involvement and inclination to seek pleasance and non trouble. In their survey. Winfree and Bernet ( 1998 ) carried out a broad cross-sectional survey in 11 vicinities including Phoenix and Las Cruces. The topics who participated in this survey gave an informed consent through either parents or defenders. Data was collected through the usage of questionnaires and the surveyors helped the pupils in understanding the inquiries therefore bettering truth of informations collected. Dependent variables in this survey were usage of different substances within the past one twelvemonth. Social larning independent variables included neutralisation. guilt. positive support and negative thrusters. Self control independent variables included parental monitoring. impulsivity and risk-taking. After executing arrested development analyses. it was apparent that there was a low degree of substance maltreatment among Phoenix pupils who said that they would experience really guilty if their engaged in substance maltreatment. Higher degrees of substance maltreatment in Phoenix sample was identified among pupils who agreed greatly to neutralizing statements about negativeness of offense. In footings of ego control. there was higher substance usage among pupils who reported higher hazard taking inclinations. However. parental control and impulsivity did non supply plenty informations for rating. In Las Cruces. it was observed that young persons who had seen mobsters and viewed mobsters as holding better life styles were likely to mistreat substances. The same happened with neutralisation of negativeness of offense. Guilt was non a large determiner of substance maltreatment in Las Cruces. Conclusively. Winfree and Bernet argue that societal larning theory and self control theory can be used to measure delinquency in striplings. From the above two articles. societal larning theory emerges as an of import tool for foretelling substance maltreatment. Counselors stand to profit from the apprehension of the application of societal larning theory in this context since they can be able to tie in a certain substance maltreatment job to the societal influences of the client. By placing the beginning of the substance maltreatment job utilizing the societal acquisition theory. the counsellor is able to supply a manner out of the delinquency or substance usage. This would include subjecting favourable societal environment and statements such that the substance maltreatment behaviour is taken as a negative instead than a positive thing. It would besides be helpful for the counsellor to propose a geographical resettlement ( e. g. school transportation ) as an of import manner of making the best environment ( drug/crime-free environment ) for striplings. Mentions Miller. H. V. . Jennings. W. G. . Alverez-Rivera. L. L. and Miller. J. M. ( 2008 ) . Explaining substance usage among Puerto Rican striplings: a partial trial of societal larning theory. Journal of Drug Issues 38 ( 1 ) : 261+ . Web. 15. July 2010. Questia. com. Winfree. L. T. and Bernat. F. T. ( 1998 ) . Social acquisition. ego control. and substance maltreatment by eight grade pupils: at narrative of two metropoliss. Journal of Drug Issue. 28 ( 2 ) : 539+ . Web. 15. July 2010. Questia. com.

buy custom iPad’s Security Breach essay

buy custom iPad’s Security Breach essay Hacking into websites is not orthodox in the least but it has certain advantages if looked upon in a certain light. For one, it removes the illusion of the perfect security environment and keeps the competitive standards of firewalls in the current environment up to par. The companies that brag of their prowess and security standards might become careless and slack. This will leave enough room for a huge breach depending on the timing. By the time, that the company collects itself again to regroup from the attack it may be too late to make a quick recovery and the damage may turn into grievous financial loss. Is hacking justifiable within a company? The breach in iPad is one such example of a security break in because of lapse in adequate measures. Steve Jobs cast the company giant as one of pristine in the field of technology, as well as security (Tate, 2010). This statement hit a dead end in the face of the breach stating that the policy of apple is to seek and to make sure that they get user permission in order to know what you are going to do with their data. Thus, one can let the customer know what they are signing up for in the simplest language possible. This statement was not just referring to how the company uses the private data information of iPad information. It also referred to how the company created policies on the use of private data by other iPad experience providers. This obviously did not reflect in the breach. Thus, it gave customers a chance to know the truth instead of putting false hopes into a system that could be easily compromised. This time, only information on the email addresses got out. If this had continued and the attack had been more precise, information that is more pertinent would have gotten out. This could be leaked files on a government officials phone conversations, emails, and data. This would be quite dangerous in the wrong hands. This was a warning, and it would be justifiable if the incident were a test run. This is quite common in intelligence agencies where they frequently train for worst-case scenarios that could happen. They use these standard raining operations to simulate what would happen if a real life situation if the worst happened. This is the same case, with the hacking incident. Companies could make their computer department design a firewall to the best of their ability. This firewall would then be subjected to testing, as it would be by hackers. These hackers would be in the companys payroll, and their objective would be to try to penetrate the defenses. Of course, the situation would be quite a risk because this was unexpected and there was no way of knowing how far the breach was intended to go. In this case, if there were a computer security firm that was to use this method to better their security then there should be a corporate ethics statement to keep them in line. Corporate ethics statement When daring the code, there must be a few considerations depending on the company. The reason for this would be to regulate the companys behavior. Firstly, the code should be divided into two sections. The first section would entail the aspirations that the organization wants to live to maintain. This are the hopes that it wants to maintain. The second part of the statement would contain the rules and regulations of that specific company. These principles should include what would be illegal inside the organization. These are crimes against the copany from within as well as the crimes omitted when hacking into the privacy of another firm on unsanctioned basis. Other rules should include regulations on which personnel in this department would have access to certain levels of information of other companies that hire the corporation in question on a security check basis. This distinguishing of hierarchy would allow for order and decrease the amount of incidences that happen that could compromise the security of the firm. On the other hand, there should be an enforcement procedure to make sure the rules are followed. These include measures of punishment and disciplinary action to violations of the regulations. The rules will be listed in the order of priority for the organization by importance and the enforcement measures would follow in a corresponding manner as well as disciplinary action for violation of each rule. Finally, there will be provisions for revisions of these rules and regulations if need be depending on changing ethical situations. In the mean time, it would be helpful to establish relationships with media companies on information discretion. The coming out of certain information that would be as harmful to the consumer psychologically as it is to the manufacturer needs to be taken into consideration. The breach in apple caused a lot of fear in users of the new iPad and probably affected forth-coming sales of the product. The move by Gawker to publicize the information may be a good and bad decision, at the same time. It was good because it gave the users something to think about the security situation of the firm. As it reported that ATT, operated the web server, using weak security controls. The company gets a jump-start and stops slacking off where they should have been ahead of the game. Social responsibility of Gawker On the other hand, Gawker should also read the ground situation before making any hasty decisions on publicizing the matter. As with the security data, that the company had and was compromised there is a risk that the breach would cause widespread panic as the information belonging to certain government officials, even in the white house became compromised. Matters on these levels should be treated a little more sensitively because they could explode in everyones face. There is a reason for media blackouts because the last thing that everyone would want is widespread panic that would cause more damage than necessary. When there is a security breach the CEO and executives must considers the facts on the table. They must first evaluate the extent of the problem. This happens by ordering an all-inclusive inspection of the systems to determine the extent of the damage. Secondly, they must remove the hostile or destructive code. The next step is to reload the necessary operating systems software and configure the test operations accordingly. They should then patch the system in order to avoid any vulnerability. They should then test the functionality and restore the files from backup if indeed necessary. The files that passed the test of determination of damage would undergo through that process of restoration. As for the damaged files if there is no backup available at the time, then replication would be necessary. The system should be back on track at this point, and the executives would have reason to believe that everything is proceeding according to plan. However, the bottom line would be that theory does not always have a correlation to reality. Thus, things oon the ground may not be what the statistics project. The company has to confirm with the users that the data has been completely restored. Email script to would be customers We as the board of ATT want to inform you as our customers of an impending situation that we are currently experiencing in our technical department. This has to do with the security issues in the IT department with one of our products. There is a potential exposure risk to the iPad ICC IDS. Several of you have purchased the device and before you start to worry, the situation is already under control. The only information that could be derived from the device is the email address attached to it. There is an ongoing investigation now to determine the source of the breach and the perpetrators. As a result, all of the customers, whose information may have been compromised, that is their email address and so forth will receive notification as soon as possible. If there is anything sacred to the company, it is privacy of information. We do not take customer privacy very lightly. However, in light of the damage that the incident did to the companys name and the inconveniences that this caused our customers, we would like to apologize. Now that is settled we would also like to point out that we received the information from a business customer recently who pointed out the potential exposure. This issue went to the highest levels of the organization where it had top priority, and was dealt with expeditiously. In this way, the feature that gave access to email addresses has essentially been turned off. To be specific, amount of data that was compromised in the breach summed as the following. The subscribers email addresses that was coupled with the associated ID used to authenticate the subscriber on the network was utilized on ATT network. However, we managed to close the security hole within days of the breach. The victims had been unaware of any development in the breach that is the symptoms had not revealed themselves to them. This gives an idea how much we need to be vigilant to stop future incident. This is because the device had been shipping for barely two months. It had been shipping in the cellular configuration for only a month. This is a relatively time for such compromising situations to arise and suggests that the security needs to be looked into seriously. Reasons The security, in fact, will receive reviews in this light. A group known as Goatse security obtained the subscriber data. It seems the group specializes in showing faults in web applications. It highlighted weaknesses in the Firefox as well as the safari web browsers. It obtained the data it needed through the ATT's website. This information was available to anyone using the internet. However, it was the companys hospitable nature with information, which did it in the end. In response to this attack, the company called in the help of the FBI to look into the investigation. The FBI also contracted Gawker media recently and served them with a formal perseveration notice. On this note, there will be a review on most sectors to determine the full extent of the damage done because of the incident. This includes those that were totally unrelated to the occasion. The reason is that it could affect sales in other department because of bad publicity. These effects are a ripple effect and need to be anticipated in advance, and in this way, the company will not be caught off guard again. Buy custom iPad’s Security Breach essay

The Catcher in the Rye Essay Example | Topics and Well Written Essays - 1250 words

The Catcher in the Rye - Essay Example Antolini. Holden alluded about being in a mental hospital. The whole novel revolves around rebellion, alienation and aggression in youth. This is why this book has been one of the most challenged books in all times. This paper discusses opposing ideas on whether the Catcher in the Rye should be banned in schools. Critics state that the narration includes offensive style, inappropriate language and sexual content at many places (Whitfield 1997). Despite the fact that the sexual content is not very explicit, still parents and critics support the fact that the book should be banned. The writer shows Holden thinking, talking and imagining about sex. These imaginations are a part of typical physical development of a teenager; still, it is inappropriate to teach such concepts in schools and relating them with such a sensitive phase as teenage so explicitly. Graham (2007: xi) states that â€Å"the novel was condemned by some readers for its use of expletives and for presenting as a hero an adolescent who drinks, smokes and engages a prostitute†, and parents think that children should not be taught that such concepts are an integral part of teenage. The sexual content accompanies obscene and offensive language. Again, despite the fact that the obscene language is very moderate, still parents would never want that their children should be taught such literature in school which contains even hints of such language. According to Jones (2007), â€Å"There are 224 instances where obscene language has been used in the book, with a few occurrences being the "F-word."† To mention some scholars, Agee (1999) and Frangedis (1988) also talked about how objections from teachers, parents and administrators came regarding â€Å"language or sexual content† (Agee 1999: 61) in the book. Another reason that makes us say that The Catcher in the Rye should be banned is that it contains occurrences where mild violence is shown. For example, Holden is shown being punched and attacked a couple of times. There are two indications of suicidal attempts as well. At one occurrence, Holden is shown overhearing somebody who was talking about a person trying to commit suicide through taking aspirin. At another place, Holden is shown talking about a boy who had jumped out of the window as suicidal attempt. John Lennon’s assassination was an incident that further gave this book a bad reputation (Rosenthal 1999). His murderer, Chapman, had asked him to sign a copy of the novel on the morning when he was assassinated. When the police caught Chapman and accused him of the murder, a copy of the novel was found in his pocket. Although there was no clear evidence that it was the novel that had inspired Chapman to commit the crime, yet the implicit connection was enough to make people argue about banning the book. Parents and teachers have always been concerned and looking for answers regarding what effects violence in literature can imprint on young developi ng brains. The Catcher in the Rye arrives with concerns relating to anxiety, dejection, brutality and aggression that develop in young minds. Critics are of the view that children tend to have less-developed ability of decision-making or critical thinking so they cannot realize what is wrong with what they are reading and their minds learn or absorb every act they read. Now, we look at the opposing ideas and see why some people think that the novel should not be banned. Banning a book means banning freedom of expression. The

Managing Challenges of Cross Cultural Differences in International Essay

Managing Challenges of Cross Cultural Differences in International Business - Essay Example Overview of National Culture & Cross Cultural Differences Culture is a key factor in gaining an insight in to how people behave in different countries, their preferences, attitudes, values and beliefs (Cundiff & Hilger 1988). Their can be implicit and explicit elements of culture embodied in rituals, symbols, gestures, traditions and mannerisms which results in diversity in communication and interaction process within a cross cultural setting (Trompenaar, F. & Hamden-Turner, C. 1998). It is therefore important to understand the underlying national cultures which shape each nation’s interrelations including business dealings (Ohmae, K. 1982). As per Hofstede, culture is â€Å"collective programming of the mind which distinguishes the members of one human group from another† (Hofstede, G. 1984. Page 21). While there are various models and theories, which attempts to explain cross cultural differences, some well established explanations of national culture can be found in Fons Trompenaar & Charles Hampden-Turner’s model of Seven Dimensions of Culture; Geert Hofstede’s Indices of Work Related Values and The theory of Silent Languages of Culture proposed by Hall. 3. Overview of the Countries in Context United States Of America As a forerunner in business and trade, political affairs and social change, United States of America is a country which has a diverse and multicultural social environment.Driven by cultural values such as innovation, independence and individualism, (Hill 2003) American society allowes for social mobility depicted by the â€Å"American Dream.† ... Analysis of Cross Cultural Similarities & Differences While there may exist certain cultural similarities between nations, the implications it carries for business may vary. The analysis focuses on identifying cultural similarities and differences, which exists between USA, Japan and India. 4.1 Treatment of Agreements and Legal process This can be assessed within the dimension of Universalism vs. Particularism, where universalism places greater importance upon the rules in the society while the particularism focus on the circumstances involved when making decisions about what is right and wrong (Trompenaars and Hampden-Turner 1998). USA, which is a highly universalistic culture, places greater emphasis upon business contracts, rules and regulations but in contrast, Japan and India which are more particularistic cultures considers circumstances and relationships more in making decisions. Halls language of friendship can also be used in assessing this cross-cultural aspect. The Americans tend to make friends easily and quickly but these are of transient nature. The Japanese tend to take time in forming relationships but their commitment to the relationship is high. Even if disputes arise, Japanese try reconciliation process while Americans resort quickly to litigation process (Weiss 2001). Indians too choose more in formal means of resolving issues than litigation but are generally quick in establishing relationships.

European influence in Africa Essay Example for Free

European influence in Africa Essay The presence of Europeans in African countries had a great influence on the cultural benefits, traditions and norms of Africans. African societies were composed of small ethnic groups bound by deep cultural and traditional benefits. Slave trade in North Africa disintegrated these cultural systems. The entry of Europeans in North Africa led to breaking of those small indigenous units into modular states that could be easily controlled by the colonial rule. They abolished the indigenous legal systems and imposed new legal systems based on European concepts of law. North Africa was integrated into the world capitalist system, where its main function was to provide raw materials and new markets for Western industrial revolution. This led to imposition of taxation forcing Africans into cheap wage labor. Land grabbing and alienation in settler colonies made it impossible for the economy of the colonized countries to grow. This is because the colonial administrations only developed areas they saw fit for their benefit and it led to growth of colonial cities such as Dakar, Lagos and Nairobi. Westernization in North Africa led to the rise of Christianity and reduced the number of Muslims in sub Sahara, which contributed to the destabilization of Africa traditions and cultural benefits. Christianity promoted the assimilation of new ideas and new lifestyles such as monogamy and nuclear family. African societies believed in polygamy and extended families. This is being practiced even to day. Christian missionaries introduced Western education, which involved mastery of European language and literacy. The adoption of new habits and tastes coupled with Christianity and western education, led to the development of a new elite that included teachers, clerks, lawyers and doctors. Slave trade degraded the value of African people because they were used against their will to benefit the European economy. This impacted negatively on African leaders because some still practice slave trade today. Europeans brought about, modernization in Africa in terms of Western education, Christianity and Western lifestyles. European influence in Asia (1650-1815). South East Asia comprised of societies that varied in different aspects. Main societies in south East Asia included China, Thailand and Cambodia, therefore European influence on South East Asia varied extensively depending on indigenous states. Societies in South East Asia had very distinct traditional beliefs and rulers who reigned with a conviction of permanency and stability. Europeans created new economic relationships in South East Asia by establishing new industries like rubber production and improvement of traditional ones such as rice and sugar industries. They were improved and expanded to meet the European needs. Communities in Cambodia protested against economical changes when agribusiness in form of plantation farming was introduced. Europeans aimed to make the traditional cultures modern. This was received positively by some south East Asians who had been trained in Western schools. They believed that Western culture would have positive effects on their cultural and economical backgrounds. The elites adopted the European language and mode of dressing. Adoption of the Western culture led to political, economical and social growth in Asia. However, it was difficult to assimilate the European culture and lifestyles in Asia because of the diversity of Asian cultural customs and traditions. Asia is composed of Muslim, Christianity and Buddhism and therefore impacting Christianity in Asia was difficult. These traditional settings emphasized on unifying of social, economic, political and social spheres, though it is impractical to unify all the spheres. The influence of Europeans in Asia was highly varied and uneven throughout the region. They used superior military technology to achieve conquest and monopoly. The Portuguese invasion of Malacca led to the decline of the trade systems as they tried to dominate the spice trade. The European therefore, caused the detachment of producers form their traditional markets. As a result the powerful trading cultures in southeastern Asia collapsed due to colonial influence. European influence was limited to the coastal ports and the adjoining regions. Peasant life in Asia was not affected by the European influence as they remained inside the confines of their village. (Alagappa 130-138). European influence in Middle East (1825-1941). Middle east societies combined religion with governance of their states. European powers overwhelmed the region and tried to separate governance from religion. They replaced the indigenous educational, social and political systems through modernization. The Kuranic schools were replaced by the Western education. Middle east is an Islamic region that viewed European powers as enemies for creating Christianity in the Muslim dominated region. This created a sense of distrust of the Europeans by the Arabs. Europeans faced great resistance form the Arabs who used national movements to adopt anti-western speeches in order to gain favor from their people.. European powers in the Middle East replaced the Muslim leaders by non-Muslim leaders to create artificial political territories since they did not arise from the societies. They created states that had conflicting ethnicities and divided other ethnic groups into two or three portions. For instance they divided the Kurds into Iran, Iraq, Turkey and Syria. (Kaelble 120-127). Dividing ethnic communities stirred political rivalry and violence in the Middle East. It also created instability among the Arabs, preventing political, social and economical development. The Arabs formulated revenge missions to the Europeans and resisted any form of invasion whether political, economical, educational or social.

King Lear’s Sins Pale in Comparison to those Committed Against Him Essa

King Lear’s Sins Pale in Comparison to those Committed Against Him King Lear commits several acts that are nearly unforgivable. Not only does he exile a trusted, loyal servant, he also banishes his own daughter. Cordelia, unable and unwilling to submit herself to the ridiculous game of her father, is sent off to France with his curses. His subsequent action - the division of the land between his two ungrateful daughters - is the final act, the final sin, and one that plunges the land into turmoil. However, his actions do not excuse the responses they bring from his kin and kinsmen. The sins against him - the actions of his two daughters and the evilness of Edmund - are far greater than those he committed himself. While he may have started the series of events that eventually consumed the land in turmoil, it were those three who propagated the chaos. King Lear is definitely much more sinned against than sinning. That King Lear sinned, there can be no doubt. Nevertheless, a sin does not exclude the possibility that there was a sufficient cause (in his mind) for the action. Examine, for instance, King Lear's decision to exile his own daughter, Cordelia. The King is of an advanced age. Though he will not, can not, admit it, senility is advancing upon him, clouding his brain and influencing his judgement. Combined with his pride, age, and subconscious fear of encroaching mortality, Lear has a great desire for flattery, and more importantly, to have the love of his children reaffirmed before him. After the two first daughters inflate his ego, Cordelia is left in the unenviable position of trying to surpass them. She too will not, can not, bring herself to do so. Thi... ...don him in his madness. Edmund, the main force of 'evil' in the play, not only comes near to destroying the country the Lear has worked so hard to maintain, he also gives the order for the death of the King and his youngest daughter. This, of course, leads directly to Lear's own self-induced death. Therefore, while king Lear's sins were horrible, and cannot be fully excused by his madness or his redemption, they still pale in comparison to those committed against him. While he wallowed in pettiness, they succumbed to greed, evil, and murder. Works Cited Kermode, Frank. "King Lear." The Riverside Shakespeare. Ed. G.B.Evans. Boston: Houghton Mifflin Company, 1974. 1249-54. Muir, Kenneth, ed. King Lear. London: Methuen & Co, 1972 Partee, Morriss Henry. "Edgar and the Ending of King Lear." Studia Neophilologica 63 (1991): 175-180.

Introduction to Psychology Reaction Paper Guidelines

Introduction to Psychology Reaction Paper Guidelines Definition of Genre: In a reaction or response paper, writers respond to one or more texts they have read. A popular assignment with instructors in the social sciences and humanities, such papers require students to understand each text individually and evaluate how well each accomplishes its own objectives. If you are responding to multiple texts, you must also discover how the texts relate to one another. (If responding to just one text, you might need to situate it within the larger context of class discussions, readings, etc. , depending on the prompt. A reaction paper may include a discussion of interesting questions that the readings raise for the student, but such a discussion is not sufficient by itself. Preparation: Writing good response papers is more demanding than it might appear at first. It is not simply a matter of reading the text, understanding it, and expressing an opinion about it. You must allow yourself enough time to be clear about what each text says and how the texts all relate to one another. In other words, response papers require you to synthesize the intellectual work of others—that is, bring it together into an integrated whole.In preparing to write response papers, therefore, it is crucial that you allow yourself not just enough time to do the readings but enough to digest what you have read and to put the results together into a unified account. ( h t t p : / / u w p . a a s . d u k e . e d u / w s t u d i o) Questions to ask while reading the article: Use the â€Å"Template for Analyzing the Logic of an Article. † The questions from the template do not necessary need to be answered in the paper. They are just questions you need to understand in order to comprehend the articles.Questions to ask while preparing to write your paper: Refer to â€Å"Universal Intellectual Standards† and â€Å"Questions Using the Elements of Thought. † Instructions for pap er formatting: For our purposes, we will be using APA format. You will not need an Abstract, but you will need the following sections listed below. Use the guidelines sent via e-mail or found on the APA web site (www. apa. org) for help. I highly recommend reviewing the APA information that was sent via e-mail and can be found on the course website under Resources: Links: APA Formatting & Plagiarism Links. Content: in margins, 12 point font, typed, double spaced, APA format, 3-8 pages of text, 1 Reference Page, and 1 Title Page. Address the questions in essay style, don’t just answer questions. Note: The longest sections of your paper will be the reaction and application sections. Paragraph(s) Requirements: You MUST include the following six bold items when submitting your paper. 1. Title Page- The first page of your paper must be an APA style title page. Use the guidelines found on the APA web site (www. apa. org) for help. 1. Summary- In 1-2 paragraphs, you are to summarize the material to which you are reacting.Make sure you state the title of the work and authors in the paper. Do not merely repeat the text. Should you feel the need to selectively use quotations from the material, put them in quotations and follow APA formatting. When paraphrasing the material (which is what you will be doing the majority of the paper,) you MUST include in-text citations. Although APA format may be new to many of you, you are familiar with MLA which also requires in-text citations when discussing the material. If you are citing material learned from lecture you will cite me as an interview: (R Shepherd, personal communication, August 15, 2009. Failure to cite your material correctly constitutes plagiarism and will result in a zero. Please refer to the Academic Integrity Form you signed at the beginning of the semester for the definitions and consequences of plagiarism. 2. Critique-In 2 paragraphs or more, you are to critically analyze the material you are reacting to . Note, critique does not mean simply saying something negative about the text. Your analysis should address issues such as one or more of the following: a) Does the writer present these ideas (the researcher) fairly or are they slanted? ) What are the strengths and weaknesses of the research provided in the article? c) What could be added to this material to make it better or more complete? When working on the critique section of your paper, you should use your knowledge of research methods learned at the beginning of the semester, as well as any material covered during class lecture that relates to the article being critiqued. 3. Reaction- Give your personal reaction to this material. This is your opportunity to express your opinion about the research.However, keep in mind that you are an introductory student and these researchers have been studying longer than you have been alive. Know the limits of your knowledge and state that if it’s necessary. Your reactions could incl ude any or all of these points: a. Why do you think this research was good/bad? b. Did you agree/disagree with the research? Why or why not? You must back up your claims with science and relevant material discussed in class. c. What did you find surprising about the article? 4. Application- How does this material relate to society/lecture material/psychology? What is the BIG picture?Explain in detail. What are the implications of this research being used in society? Is its application good, bad, or both? 5. Reference Section- While following APA guidelines, you are required to include a Reference section at the end of your Reaction Paper. You must cite at least the article in which you have read and any other sources you have referred to, including the textbook. If you fail to complete a Reference Section you are committing plagiarism and will receive a zero. Please refer to the Academic Integrity Form you signed at the beginning of the semester for the consequences of plagiarism.

Family and Wimpy Kid Essay

This book is amazing; it is called Diary of a Wimpy Kid: Rodrick Rules and it is a funny diary that is written in a really good, motivating way. It is written by Jeff Kinney and is based on a wimpy little boy whose big brother is annoying him.Characters:The main characters are Greg and Rodrick. Greg is the wimpy kid writing the diary and Rodrick is his big brother. Rodrick is really mean to Greg and always blames things on him when he hasn’t done anything. Rodrick mistakenly thinks that he is an amazing drummer.Plot:Greg does some very stupid things and only Rodrick knows about them so Greg is relying on Rodrick not to tell anyone but, being a typical big brother, he does. They keep loads of secrets from their parents but bad things happen when they find out. Their mum has an idea that if they do chores she will pay them with board game money which they can trade in later for real money. Little does their mother know that Greg just buys more board game money.This book is written in fairly standard American English so they say things like â€Å"Mom† not Mum. They also say â€Å"Gramma† instead of grandma or grandmother. Although it is written in American English it did not affect the experience of reading it for me. It is written in the first person and some of the words do not follow the rules of Standard English spelling, e.g. â€Å"LAST† instead of last without capitals.Backround:Roderick Rules is the second book in a series. The first book is Diary of a Wimpy Kid and the third book is Diary of a Wimpy Kid: The Last Straw. The series is an international best seller.My opinion on this book is that it’s light-hearted, funny, draws you in from the start and luckily there is another one waiting for you when you have finished. The cartoon illustrations complement the witty text and they really help to visualise the characters during their antics and adventures. I recommend this book to anyone between the ages of eight and twelve.I would award this book four out of a maximum of five stars

Create a Perfect Study Environment Around Yourself 12 Tips

Create a Perfect Study Environment Around Yourself 12 Tips Create a Perfect Study Environment Around Yourself Student life is rather engaging and at times offers much fun. Being young and having lots of friends†¦ Is there anything else you need for happiness? A friendly student community and an exciting extracurricular environment may offer a high fun factor; however, many students experience difficulties when its time to get ready for exams or complete a major project. College and university studies require preparation to build up a well-rounded education. Self-motivation and the ability to organize your time and activities are to be considered first. Here are 12 tips to help students create a perfect studying environment! Choose a proper place for your studies Find a place which will suit your studies regarding all key factors: lightning, comfortable sitting and a table. Try to avoid using the same place for studying and napping (Cohn, 2013). The place where you study should help you concentrate, not fall asleep! Get equipped with everything you need Choosing a place and getting right to work is one thing, but its also essential to sort everything out around you, and make sure you have all the necessary tools and reference materials so there’s no need to search for things every single moment (Cohn, 2013). Keep your studying place clean Keep the place where you study tidy and clean it regularly. Wadded up papers and stained coffee cups are likely to bring disorder into your mind. A neatly ordered table and plenty of fresh air in your room can boost your mood and enhance your brain power! Reduce the number of distractions Stay away from noisy places. A few experts think that soft background music benefits your concentration and, at the same time, boosts your academic studies; but there is also evidence to suggest that hearing a familiar tune and humming along with it is more likely to distract you from your studies (Flavin, 2015). Use the library Go to the library and spend time studying there. Find and use books related to your topics. Being surrounded with a dozen books will give you a better insight into the subject matter of your studies, and the library itself will also serve as an inspiring environment for you. Include regular breaks into your studies Once you’ve organized your working environment and escaped all disturbances, you can immerse fully into your studies and let the whole world forget about you until the next holiday. No way! Dont forget about work/rest balance! Take regular breaks to recharge your batteries and get some inspiration (Cohn, 2013). Go out for a while and breathe some fresh air or have a snack. You’ll notice that these short pauses can make your studies more effective and stimulate your mental abilities! Leave your gadgets aside for a while Make a decision to avoid using your iPad and mobile phone while you study. You may think that you cant do without them a single minute, but in fact, its not true! Unplug your devices or turn the silent mode on. This will help you concentrate on the exam or project, instead of non-stop useless chatting. Moreover, being silent for some time will help you generate new ideas and get a better insight of the subject you’re dealing with (Flavin, 2015). Keep in mind your motivation Always remember the goals you want to achieve through studying (Cohn, 2013). Its important to understand why you need to get good education, so envision a major goal that you dream about and find something to represent this dream to yourself that you can hang on your wall or put on the cover of your notebook. Have a look at this image each time you start losing your enthusiasm. Remember, all your studying means something! Be persistent Dont get discouraged if some task seems rather challenging. Divide tough tasks into chunks to cope with them easily (Cohn, 2013). This way, if something seems too difficult today, it will get much easier tomorrow! Make the list of tasks for each day No matter how many issues you have to deal with, or how many pages you have to compose, its impossible to do everything in just one day (Cohn, 2013). Analyze the amount of work you have left to do and make a list of things to accomplish each day (e.g. to find the needed sources, to read\write 20 pages). At the end of the day, cross out all the items that you’ve completed. Using such approach will make your studies well-timed and better-organized, and you’ll avoid problems with due dates. Choosing time for studies – an early riser or a night owl? Studying both day and night before an exam or typing the day and night before handing in a term paper is pointless and exhausting. Choose a time when you are able to read a lot, analyze information, compose thesis, so that your scholarly work is the most effective (Flavin, 2015). It usually depends on your biological clock; so morning or evening hours for studies; you’re the one to choose. Make your studying environment suit you! Along with acquiring good knowledge and getting excellent academic results, its very important to enjoy your studies! Try to organize you study-place just the way you like it. Get a new comfortable chair for yourself, or put a nice plant on your table. To summarize everything above, let’s state simply that your study environment, if organized the right way, will boost your mood and raise your grades. 1. Flavin. 12 Tips to Create a Perfect Studying Environment for You. 18 May. 2015. http://rasmussen.edu/ 2. Cohn. 10 Tips to Create a Good Studying Environment. 22 Apr. 2013 http://examiner.com/

The History of License Plates in the U.S.

The History of License Plates in the U.S. License plates, also known as vehicle registration plates, are required for every car in the United States these days, but when automobiles first started to appear on the road, there was no such thing! So who created license plates? What did the first one look like? Why and when were they first introduced? For these answers, look no further than the turn of the 20th century in the Northeastern United States.   The Very First License Plate Although New York was the first state to require automobiles have license plates in 1901, these plates were made by individual owners (with the owners initials) rather than being issued by state agencies as they are in modern times. The very first license plates were typically handcrafted on leather or metal (iron) and were meant to denote ownership via the initials.   It wasnt until two years later, in 1903, that the first state-issued license plates were distributed in Massachusetts. The very first plate, featuring the number 1, was issued to Frederick Tudor. (One of his relatives still holds an active registration on the plate.)   What Did the First License Plates Look Like? These early Massachusetts license plates were made of iron and covered in porcelain enamel. The background was colored a cobalt blue and the number was in white. Along the top of the plate, also in white, were the words: MASS. AUTOMOBILE REGISTER. The size of the plate was not constant; it grew wider as the plate number reached into the tens, hundreds, and thousands. Massachusetts was the first to issue license plates, but other states soon followed. As automobiles began to crowd the roads, it was necessary for all states to find ways to start regulating cars, drivers, and traffic. By 1918, all states in the United States had begun issuing their own vehicle registration plates.   Who Issues License Plates Now? In the U.S., vehicle registration plates are issued solely by the states Departments of Motor Vehicles. The only time a federal government agency issues these plates are for their federal vehicle fleet or for cars owned by foreign diplomats. Notably, some Native American tribes also issue their own registrations to members, but many states now offer a special registration for Native Americans.   When Did It Become a Requirement to Annually Update License Plate Registrations? Although the first license plates were meant to be semi-permanent, by the 1920s, states had begun mandating renewal for personal vehicle registration. At this time, individual states began experimenting with different methods for creating the plates. The front would typically contain registration numbers in large, centered digits while smaller lettering on one side dictated the abbreviated state name and a two- or four-digit year the registration was valid during. By 1920, citizens were required to obtain new plates from the state each year. Oftentimes these would vary in color year to year to make it easier for police to identify expired registrations.

Health Care Finance (Module 1-CBT) Research Paper

Health Care Finance (Module 1-CBT) - Research Paper Example The industry average for health care industry is a current ratio of 2:1. Days in accounts receivables show how many days it will take for OHC to collect its outstanding receivables. As shown from above, OHC took 32.91 days (on average) to collect its receivables in 2007; and this situation has worsened in 2008 where the company took 55.22 days to collect the outstanding amounts. These high values show that there may be a problem in revenue collection process and the company needs to address the issue quickly to ensure that receivables are collected in quick time. The analysis of liquidity ratios shows that the company is fairly liquid. It is able to meet its short term obligations. However, the days in accounts receivable has worsened than 2007 and some action may be required to reduce the number of days to collect outstanding funds. The operating margin ratio was 76.5% in 2007 which shows that the cost of services provided by OHC is small as compared to the revenue generated (that is, for every $1 revenue, the company incurs an operating cost of $0.235. This shows healthy performance. The operating margin ratio has improved in 2008 (as it increases to 78.5%). This shows that the operating cost has gone further down as compared to 2007. As shown from above, OHC was fairly profitable in 2007 and the gross profit margin has increased in 2008. Although, it may be argued that healthcare organization should not have very high profit margins as this indicates that they are charging high fee from patients. c. Return on Assets (ROA) The ROA for OHC is calculated as below: Return on Assets for OHC Medical Center Year Net Income / Total Assets = ROA 2007 $37,370,000 / $44,450,000 = 84.07% 2008 $34,177,000 / $49,370,000 = 69.23% Although the company has been profitable during 2007 and 2008; but the above table shows that OHC has not been able to effectively utilize its assets towards generation of profits. The Return on Assets was 84% in 2007 which was satisfactory but it declined sharply in 2008 to 69%. This may not be acceptable to shareholders as this indicate

Head Start Agency Research Paper Example | Topics and Well Written Essays - 2000 words

Head Start Agency - Research Paper Example The agency operates in accordance with the description of services stipulated in the Head Start Performance Standards and also the Head Starts Act of 2007 (Diane, 2007). The agency is funded the government through the United States Department of Health and Human Services (HHS). Head Start Agency started in May 1965. The idea of its formation was initiated by President Lyndon Johnson while working as a teacher in in the hardscrabble of West Texas where he witnessed immense poverty and developed an ideology that education was the only powerful tool for eradicating poverty (Sawhill &  Haskins, 2003). His idea turned into reality during the â€Å"heady, idealistic days of the Great Society’s war on poverty† (Palmaffy, 2011). The war on poverty was spearheaded by the Community Action Programs (CAPs) with an intention of rallying the poor for their own sake. Following the wrangles in CAP the local officials became uneasy to apply for the CAPs grants (Sawhill &  Haskins, 2003). However, due to a budget surplus and administrative pressure that required the officials either to use or lose the grants there was an emerging need of getting another way of helping the poor community (Butler et al., 2004). Sargent Shriver, the director of the Office of Economic Opportunity (OEO), went looking for viable political anti-poverty project that led to the establishment of Head Start program (Diane, 2007). The program received great support and funding in 1970s and 80s following the establishment that children had higher gain in IQ during their early years, and that diminished with age (Sawhill &  Haskins, 2003). That led to increased support for the program to ensure its success. The formation of Head Start agency was based on policy for eradicating poverty following the passage of Economic Opportunity Act of 1964. The formation of Head Start agency was based on believe that providing quality education to the children from a poor

HOSPITAL READMISSION REDUCTION PROGRAM Research Paper

HOSPITAL READMISSION REDUCTION PROGRAM - Research Paper Example This did not emerge as a significant issue for quality of inpatient care; although, patients were discharged untimely, which might hypothetically raise the threat of readmissions that are expensive to payers. In a Congressional Report of 2007 (Hackbarth, Reischauer & Miller, 2007), the Medicare Payment Advisory Commission (MedPAC) categorized several hospital readmissions as probably preventable. On August1 2011, the Centers for Medicare and Medicaid Services (CMS) published its inpatient Prospective Payment System (IPPS) finale law. Incorporated in the early structure for Hospital Readmission Reduction Program (HRRP) that is intended to begin operation in the FY 2013. The HRRP was incorporated in the Affordable Care Act by the Congress. The HRRP policy is concerned with the reduction of Medicare disbursements to hospitals with a higher number of rehospitalizations for ‘appropriate conditions’ over a particular period. The policy is only appropriate to medical states chosen by the Health and Human Service (HHS) Secretary. The policy directs the Secretary to choose situations that are expensive or widespread and where there are readmissions approaches that are authorized by the body with a treaty under section 1890(a) that is the National Quality Forum (NQF). The HRRP is applicable to all hospital organizations except those offering chiefly psychiatric, rehabilit ative or long-standing care, critical admission hospitals, children’s hospitals, and some cancer or research centers. Hospitals organizations engaging in a Medicare payment demonstration scheme are subject to this program, although, can be exempted from engagement provided that their state presents a yearly report explaining the state’s plans to decrease expenses and develop outcomes and the HHS Secretary approves. Understanding the technicalities of the HRRP entails one to consider the conditions and political background adjoining the endorsement of its parent

Hitachi Essay Example for Free

Hitachi Essay 1. Product line The three main products of every company are1-door, 2-door and 3-door+ refrigerators since all of them produce it. This leads to a tense competition of those items. Most of companies have the high competition in segment of 2-door refrigerators. Moreover, Side by side refrigerators are produced by only Hitachi and Samsung because of negative growth in this segment. 2. Pricing Strategy Hitachi is using â€Å"Premium pricing† that suit to their products. Hitachi would like to make the brand image to show the customers about high quality of their products and gain number 1 value market share. In the other way, Mitsubishi is using competitive price because they would like to reach on the target audiences and remain to be number 1 of market. Toshiba also uses Competitive pricing in order to be competitive with other brands. Samsung is using lower pricing to attract most in the lower to middle incomes segment. 3.Distribution Strategy Every companies use Selective for distribution strategy to sells product to customers. There are two types of distribution channels; Mass merchandized and General electric shop (dealers). The mass merchandized are PowerBuy, Power Mall (Paragon), HomePro, BigC and Tesco Lotus to sell their products to customers. Moreover, every brand also sells their products locally through local dealers. The dealers are in every parts of Thailand. 4. Target Audience All companies have roughly the same primary and secondary target audience which are households and organizations respectively. However, the target audience of each brand is targeted differently based on income level, age and lifestyle. The primary target audiences of Hitachi are middle to upper incomes because Hitachi set price as premium pricing and age of target audience is middle age to adulthood (aged between 35 and 50) because the design is conservative. Mitsubishi produces innovative design for focusing on middle incomes and people of middle age to adulthood (aged between 35 and 50). Samsung focus on lower to middle incomes because they use lower pricing strategy and they use celebrities as the presenters in advertisement to attract those who are interested in the celebrities which is usually people of middle to low income and have younger age (between 25 and 35). Toshiba focus on middle income because they are using competitive pricing. The range of age of target audience of Toshiba is wide because they have conservative design and has just come up with more innovative design in order to attract people of younger age, therefore the age range will be between 25 and 50. Moreover, the companies also focus on the organization in secondary target customers because the companies can get the opportunity to sell the products if the organizations would like to order the large volumes of refrigerators. The organizations can be either government or private sector. Both of target audiences are important for the companies. Customers choose the brand base on their perception, which is along of line of quality, value, and cost. 5. Positioning In the positioning mapping Hitachi is currently in quadrant of having High Price and conservative design. Mitsubishi and Samsung have the high innovative design but Mitsubishi is perceived as high price whereas Samsung is perceived as low price. Toshiba is in conservative design with moderating price in order to be competitive with other brands. 6. Objectives -Marketing Hitachi focuses on gaining more profit to be number 1 of value market share in the refrigerator industry. They can gain more opportunity than other competitors and make the relationship to customers in long-term by service quality. Mitsubishi focuses on remaining the number 1 in market by maintain the existing customers. Samsung focuses on being number 1 of 2-door market share because 2-door market is the largest market share in the industry. To be the number 1 of market share of 2-door refrigerators, the company has the varied models of 2-door refrigerators and made the lower prices. Toshiba focuses on retrieving from the Mega-flood effect in 2011 because the flood was attacked to Toshiba factory and warehouse. It makes the products become shortage in the market. They have to recovery to come back on the market. Promotion Hitachi provides offering premiums to consumers and gaining closer relationship with the people in the long-term. Mitsubishi uses Discount prices to consumers. It makes the customers become confidence to the company and achieve the company’s goal to be remaining number 1 in the market. Samsung has Heavy promotions to consumers, price reduction, premiums and more. The company would like to be the first brand to be the customers’ mind. Toshiba would like to continuous price reduction in order to not promote much like other competitors.

No Child Left Behind is the Way to Get Ahead Essay -- Education Politi

No Child Left Behind is the Way to Get Ahead There are many students in America today that are struggling to make the grade. These students have not been given all opportunities and chances that they should have been given to be able to reach a higher level of education. Now children have a way to be able to get to the academic level that they rightfully deserve. President George W. Bush has created a plan for the future and a way to get all of our countries students to thrive in the education system and in life. With this initiative, America will be able to close the achievement gap between the Caucasian higher income students, and the lower income minority students. No Child Left Behind is the only way that lower income minority students will be able to succeed, and get the well deserved attention that they need in the form of assessment tests, and higher quality teachers. In 2001, President George W. Bush proposed a plan to close the gap between students in the United States education system. The act was then redefined and passed in 2002, and was fully put into effect. President Bush knew that the education system in this country was in trouble and faced the problems head on, addressing them and proposing solutions in this act. To make sure that students would raise the bar, a system of assessment tests were put into order, and will create a monitoring system with the students progress (Fact Sheet). Students will now have a record of test scores in mathematics and in reading. These scores will ensure that the students will make progress. The scores will also be accessible to parents so that they can check students progress (Fact Sheet). With these scores which the parents will be able to check, they can ... ...ference. The merit of teachers needs to increase, done. There is a need for more funds for educational programs, no problem. The knowledge of the minority students in the public school system needs to be elevated, it’s met. With this act all of the academic problems that American students face will be eliminated in the course of time. No child will have the fear that they will not meet the standards of our nation, or that they will fall behind any other student. America needs help, and America needs the No Child Left behind Act for the future of our country. Works Cited Delisio, Ellen R. â€Å"No Child Left Behind: What it Means to You.† Education World 2002. . â€Å"Fact Sheet: No Child Left Behind Act.† Whitehouse.gov January 2002. . â€Å"Reaching Out†¦ Raising Achievement.† Ed.gov 2004. .

Overall Banking of Bank Asia Limited

[pic] PART A INTRODUCTION OF THE REPORT [pic] [pic]1: Introduction [pic] 1. BACK GROUND OF THE STUDY [pic] Bank is a financial institution whose main aim is to earn profit through exchange of money and credit instruments. A banking company must perform both of the essential function accepting of deposits and lending or investing the same. If the purpose of acceptance of deposits is not to lend or invest, the business will not be called banking business. It may be said that banking in its most simple form, is as old as authentic history. As early as 2000 B. C. Bany Lonians has developed a system of banks.In ancient Greece and Rome the practice of granting credit was widely prevalent. According to some authorities the word â€Å"Bank† is derived from the words banco, bancus, banque or bance. All of these words mean a bench upon which the mediaeval European bankers used to sit with their coins to transact banking business. When a banker failed to meet his obligations, the angry p eople used to break up his â€Å"banco†. The account for origin of the word â€Å"Bankrupt† which means bank failure but whatever be the origin of the bank, the word came to be used in Europe from the middle age in connection with the business of bank.Money also links the history of banking. It created a logical necessity of banks. However, the birth of present day banking is not sudden. It has come to its present stage through a process of development. During the last decade, banking became the most competitive industries of Bangladesh with a huge amount of growth. A large number of new banks have made their way in the industry and yet there are more to come. In such a highly competitive service industry, ‘customer satisfaction’ is a very important factor to consider. High customer atisfaction and loyalty give an organization a better base than its competitors and allows it to flourish in the industry. 2. OBJECTIVE OF THE STUDY [pic] General Objective The general objective of preparing this report is to fulfill the requirement of project work as well as completion the BBA Program through gaining the experience and view the application of theoretical knowledge in the real life. Also find out the Operational Process of the Bank and it’s overall Performance. Project Objective The objectives of this report are the followings: Get introduced with the idea of â€Å"Customer Service Quality† in Bank Asia Ltd. ? Introduce with the Bank service quality assessment tools ? Techniques to win a strong customer base ? To know the expectations of customers of Bank Asia Ltd. ? To analyze different activities of different desk. ? To analyze different rules and regulations of the Banking System. ? To analyze the procedures of making loan. ? To analyze how to provide better customer service. ? To analyze how bankers introduce their product to the clients and customers. To know how people communicate with clients, customers and head offic e about different purposes and how they use information system. ? To Know the position of Bank Asia Ltd in the Market ? To know the study’s and conditions of overall performance ? To make some recommendations and conclusion to further the development of Retail products of Bank Asia Ltd. 1. 3 Methodology of the study [pic] To make the report more meaningful and presentable, two sources of data and information were used widely. Both primary and secondary data sources were used to prepare this report.The nature of this report is descriptive with some survey or using sampling method. Most of the necessary information has been collected by a questionnaire, officers working in Retail Banking. 1. 4 DATA COLLECTION [pic] Both the primary and secondary forms of data are used to make the report more rich and informative. The details of these sources are gives below: Primary Sources Most of the information was acquired by discussing with the officers working in the Patherhat Branch of Bank Asia Ltd. Observation and work experience with different divisional in-charges and suggestions of many executives of the bank.Secondary Sources Annual Report of the Bank Asia Limited. Various books, articles, compilations etc. Websites of the Bank. Instruction circular of Head Office, brochures of different banks, newspapers and magazines regarding banking issues, seminar papers and so on. 1. 5 LIMITATIONS [pic] The report was not free from limitations. The study has been conducted on the subject of â€Å"Activities in Bank Asia Limited†. The Officers of Bank Asia have provided all the necessary information with his best abilities. Key limitations of the study are as follows: The internship is a very short period of time. During this short period it is very difficult to study about Bank Asia properly. ? The data and information collected from Bank Asia was not clearly related with the topic. ? The study was not successfully completed due lack of knowledge of banking profession. ? Some data and information was not provided by Bank Asia due to maintain secrecy. ? The data that are collected contained lots of information so it is very difficult to represent all information concisely. ? Bank is a very busy organization with comparison to others.There are rushes of people for about whole the day and the officers have to transact with them. So it is very much tough for Credit Officers to allocate time for me. [pic] PART B COMPANY PROFILE [pic] [pic]2: COMPANY PROFILE [pic] 2. 1 ABOUT BANK ASIA [pic] Bank Asia is one of the renowned and successful banks in Bangladesh established in 1999. The paid up capital of the Bank is 1116 million. With in very short time Bank Asia has established itself as one of the fast growing local private Bank. Now it has 66 branches in its network. It has own ATM service.It provides ATM service through other banks too. Mr. A. Rouf Chowdhury is the Chairman of Bank Asia. Bank Asia is operated by the experienced, qualified, professional management teams whom have exposure in the international market. In the year 2003 the Bank again came to the limelight with over subscription of the Initial Public Offering of the shares of the Bank, which was a record (55 times) in our capital market’s history and its shares commands respectable premium. Bank Asia is maintaining it’s competitiveness by leveraging on its Online Banking Software and modern IT infrastructure.It the pioneer amongst the local Banks in introducing innovative products like SMS Banking and under the ATM Network the Stelar Online Banking Software enables directs linking of a client’s account, without the requirements for a separate account. Bank Asia has long experience in the financial sector of our country. By their programmatic decision and management directives in the operational activities, the Bank has earned a secured and distinctive position in the banking industry in term of performance, growth and excellent manage ment. 2. 2 CORPORATE INFORMATION[pic] ? Letter of intent received : 24/02/1999 First meeting of the Promoters held: 15/04/1999 ? Certificate of incorporation received: 28/09/1999 ? Certificate of commencement of Business : 28/09/1999 ? First meeting of the board of Directors held: 01/10/1999 ? Banking license received : 06/10/1999 ? First branch license received: 31/10/1999 ? Inauguration of Bank : 27/11/1999 ? Date of publication of Prospectus : 29/06/2003 ? Date of IPO Subscription : 23/09/2003, 24/09/2003 ? Date of first share trading in Bourse : 08/01/2004 ? Date of agreement with CDBL : 20/12/2005 ? Date of first scrip less trading : 30/01/2006 Numbers of Promoters: 22 ? Numbers of Directors: 11 ? Numbers of Branches : 66 ? Auditors : S. F. Ahmed &CO. Chartered Accountants House #25, Road # 13A, Block- D, Banani, Dhaka- 1213. ? Registered Office: Tea Board Building (1st floor) 111-113, Motijheel C/A, Dhaka – 1000, Bangladesh. 2. 3 MANAGEMENT HIERARCHY OF BANK ASIA LIMIT ED [pic] 2. 4 MISSION STATEMENT OF BANK ASIA [pic] To assist in bringing high quality service to our customers and to participate in the growth and expansion of our national economy.To set high standards of integrity and bring total satisfaction to our clients, shareholders and employees. To become the most sought after bank in the country, rendering technology driven innovative services by our dedicated team of professionals. 2. 5 VISION OF BANK ASIA [pic] Bank Asia’s vision is to have a poverty free Bangladesh in course of a generation in the new millennium, reflecting the national dream. Our vision is to build a society where human dignity and human rights receive the highest consideration along with reduction of poverty. 2. 6 COMMITMENT & CULTURE OF BANK ASIA LTD. pic] 2. 6. 1 Social Commitment: Though the purpose of Bank Asia is obviously earning profit, but the promoters and equity holders are aware of their commitment to the society to which they belong. 2. 6. 2 Corpor ate Mission: †¢ To provide high quality financial services in export and import trade. †¢ To provide excellent quality customer service. †¢ To maintain corporate and business ethics. †¢ To become a trusted responsibility of customer’s money and their financial advisor. †¢ To make their stock superior and rewarding to the customers/ share holders. †¢ To display team sprit and professionalism. To have a sound capital base. 2. 6. 3 Corporate Culture: Bank Asia is one of the most disciplined banks with a distinctive corporate culture. Here we believe in shared meaning, shared understanding and shared sense making. Our people can see and understand events, activities, objectives, objects and situation in a distinctive way. They mould their manners and etiquette, character individually to suite the purpose of the bank and the needs of the customers who are of paramount to us. The people in the bank see themselves as a tight knit team/ family that belie ve in working together for growth.The corporate culture we belong has not been imposed; it has rather been achieved through our corporate culture conduct. [pic]3: TECHNOLOGY AND INNOVATION [pic] 3. 1 DELIVERY CHANNEL [pic] Focusing of the need for increasing customer’s service delivery point Bank Asia has been continuously adding new items. Their delivery channels now include 32 branches one booth, ATMs, internet banking, POS machine of Dutch Bangla Bank Ltd. and mobile banking. 3. 2 BRANCH NETWORK [pic] Bank Asia intends to achieve to attain balanced growth and expansion of its branch network.Aiming to extend their service and to increase their reach rapidly to their growing and valuable clients. Bank Asia always looking for opportunities for adding more branches to their growing network. 3. 3 ATM [pic] Bank Asia’s ATM Service has been well embraced by the clients since it provides them most flexibility in handling cash money and ensures uninterrupted banking faciliti es round the clock. In the face of growing demand they arranged for addition of new ATMs and set up 10 additional machines during the year 2007.Now they have ATMs of their own also they have under share arrangements 93 ATM E-cash booths and 226 ATMs of Dutch Bangla Bank Ltd. 3. 4 INTERNET BANKING [pic] Internet banking facilities change their business process, since many customers fell comfortable to execute transaction through internet. The transaction through internet has grown very fast in the recent year. Their internet banking further improved in 2007 and their customer can change their profile, stop payment of issued cheques, see the status of cheques, request a cheque book etc. n addition to existing facilities like fund transfer, balance and transaction enquiry etc. 3. 5 CREDIT CARD FACILITIES [pic] Bank Asia now provides credit card to its customers and clients. Through this card a client can draw money from any bank. [pic] PART C GENERAL BANKING(AN OVERVIEW) [pic]4: GENERA L BANKING (AN OVERVIEW) [pic] 4. 1 Banking Service of Bank Asia Ltd. [pic] Banking Services General Banking Credit/Advance Foreign Exchange CashCash Credit (HYPO)Import AccountsCash Credit (PLEDGE)Export RemittanceCash Credit SchemeRemittance Clearing House Lease FinancingCustomer Service Saving Overdraft 4. 2 CUSTOMER SERVICE[pic] Accepting Deposit: There are three kinds of deposits in Bank Asia those are as follows: a) Demand Deposit. b) Time Deposit. c) Scheme Deposit. a) Demand Deposit: The deposit from which depositors can withdraw money without any notice is demand deposit. These demand deposit also three categories those are as follows: 1) Current deposit (CD Account). 2) Saving Deposit (Saving Account). 3) Short Term Deposit (STD Account). b) Time Deposit: This deposit is called FDR (Fixed Deposit Regular).The amount in this account is payable only after time stipulated. There are three types of time deposits those are as follows: FDR # One Month 10% # Three Month 12. 5% # S ix Month 12. 5% # One Year 12. 5% # BASP 14% C) Scheme Deposits: With the growth of the middle classes and classes of people having a monthly and regular source of income, from which people deposit a specific amount in the Bank at a regular interval of time, is called Scheme Deposit. The following accounts are under Scheme Deposit A/C: 1. Deposit pension Scheme (DPS),2. Monthly Saving Scheme (MSS), 3.Monthly Income Scheme (MIS), 4. Super Saving Scheme (SSS),5. Multi plus Saving Scheme (MPSS). 4. 2. 1 ACCOUNTS OPENING PROCEDURE [pic] To open a new account an applicant has to maintain number of formalities. Bank’s officer also is careful whether necessary documents are provided by the new account opener. To open a new account following formalities have to be maintained: ? An introducer who introduces new account holder to the bank. ? Two copies of passport size recent photograph attested by the introducer. ? Account opening form duly filled. ? Signature card duly signed. One co py of photograph of nominee. ? After fulfilling the above formalities, Bank provides to the customer a deposit slip book and a cheque book which is marked by his new account number. ? If it is joint account each and every person has to provide their details and signed into the account opening form. ? Letter of thanks to the account holder and introducer For Partnership firm: If it is a Partnership firm there is some additional formalities have to be maintained, those are as follows: ? Partner’s signature ? Partner’s name and address. ? The nature of the firm’s business Two copies of photograph for each and every partner, duly attest by the introducer. ? Account must be introduced properly. ? Introducer’s signature on account opening form has to verify by an officer under full signature. ? Certified true copy of the memorandum of the firm. ? Registered partner ship deed. ? In case of joint account, operational instructions are to be signed by the joint acc ount holders. For proprietorship business: ? Declaration of proprietorship ? Photocopy of Business trade license. ? Account agreement form. ? Photocopy of TIN certificate. For Limited Company: Certified true copy of Memorandum & Articles of Association of the company. ? Latest audited balance sheet of the company. ? Latest copy of company’s income statement. ? Certificate copy of incorporation of the company for inspection and returned with a duly certified photocopy for bank’s record. ? Certificate from the registered of the joint stock companies that the company is entitled to commence business (in case of public limited co. for inspection and return) along with a duly certified photocopy for bank’s record. ? Name and address of the board of directors. ? Authorized signature. Extra resolution of the board, general meeting of the company for opening the account and authorization for its operation duly certified by the Chairman/ Managing Directors of the company . ? Full name of the company and full address of head office. General condition for opening current and saving account: ? At least Tk. 2,000/- for current account and Tk. 1,000/- for saving account has to deposit while account is going to open. 4. 2. 2 ISSUE OF DUPLICATE CHEQUE BOOK [pic] When an account holder loss his cheque book he has to inform it to the bank. Then bank stop any amount from that account.Account holder has to apply to the bank through application to new cheque book. Then fresh cheque book is issued instead of lost one after verification of the signature of the account holder from the specimen signature card and on realization of required exercise duly only with prior approval of manager of the branch. Cheque of the new cheque book is recorded in the ledger card and signature card ass usual. Series number of lost book is recorded in the stop payment register and caution should be exercised to guard against fraudulent payment. 4. 2. 3 CLOSING OF AN ACCOUNT [pic]The re are some reasons for which account may be closed those are as follows: ? If the customer is desirous to close the account. ? If the bank finds that the account is inoperative for a long duration. ? If garnishee order is issued by the court of Bank Asia. ? To prevent money laundering some times Bangladesh Bank order to the bank to close the account of the black money holder. To close the account, the cheque has to be returned to the bank. Bank Asia takes all the charges by debiting the account and remaining balance is then paid to the customer. Necessary entries are given to the account closing register and computer. . 2. 4 ISSUING OF PAY ORDER [pic] A pay order is an instrument from one branch to another branch of the same bank to pay a certain sum of money to the person there on or to his order. Unlike the cheque, there is no possibility of dishonoring pay order because before issuing PO, bank takes the money of the pay order in advance. The pay order purchaser has to apply in a prescribed form with a credit voucher for the amount of pay order and other credit vouchers for commission and VAT. 4. 2. 5 TELEGRAPHIC TRANSFERS (TT) [pic] TT is the quickest method of transferring funds from one place to another.The remitting branch sends a telegraphic/ telephone message to the other end, to pay a certain sum of money to a named payee. Such a message is usually sent in code language. Prefixing or suffixing a check cipher authenticates the message. A check cipher for a remittance is worked out on a test key table, access to which is allowed only by authorized officers. The codebook is always kept in the custody of authorized officers. All T. T. are following by written confirmations under the signature of authorized officer of the remitting branch. The receiving branch, after thoroughly checking the telegraphic message, acts on it. . 2. 6 ISSUING CERTIFICATE [pic] Bank Asia provides different certificates to its clients and customers. It provides Bank Certificate to its clients for opening BO account and deduct Tk. 200/- as service charge. Bank Asia provides solvency certificate too to prove that their client is financially solvent. This solvency certificate is needed if client is willing to go to abroad or opening new business. 4. 3 ACCOUNTS DEPERTMENT [pic] Following things are done by the Accounts Department: ? Pass outward instrument to the clearing house. ? Pass inward instrument to respective department. Return instrument in case of dishonor. ? Prepare OBC and IBC for the respective branch and head office. ? Verify daily’s cash expenses and issuing cash voucher sleep for different necessary daily expenses. ? Issuing credit voucher for remittance coming from abroad. ? Receiving clearing cheque from teller department and bank wise separate the cheques and send those to the clearing house. ? Recording of return cheque from different banks and back to return it to the clients. ? Prepare OBC request letter to head office for collecti ng fund out side of the city. The following entries are given if the cheque is honored.Customer A/C Debit Bank Asia general A/CCredit Bank Asia Principle Branch clears its cheque through the head office as well as the cheque of other branches, because it is only permitted. The other branches send the instrument through IBCA. Bank Asia principle branch act as an agent in this case. For this the concern branch gives the following entries: Bank general A/C Debit Customer’s A/C Credit If the instrument is dishonored, the instrument is returned to the concerned branch through IBCA along with the following entries: Incase of return for inward instrument. Bank general A/CDebit Customer’s A/CCreditIncase of return for outward instrument: Customer A/C Debit Bank general A/CCredit Incase of returning an instrument the respective officer usually looks for following reasons: ? Insufficient fund ? Drawer’s signature differs. ? Amount in word and figure differ ? Refer to draw er ? Stop payment ? Not arrange for ? Effect not cleared may be presented again. Receiving cheque for collection: In Bank Asia, cheques of its customers are received for collection from other banks. In case of receiving cheque, following points should be checked. ? The cheque should not carry a date older than the receiving date for more than 6 months.In that case it will be a ‘stale cheque’ and it will nit be allowed for collection. Again the date of the cheque should not be more than one day forward than the receiving date. ? The amount in figures and words in both sides of the pay-in-slip should be same with the amount mentioned in the figure and word in the cheque. ? The name mentioned in the cheque should be same in both side in pay-in-slip and it should be the same with the name mentioned in the cheque. ? The cheque must be crossed. 4. 4 CREDIT DEPERTMENT [pic] Consumer Credit is a part of Credit Department which involves in generating loan to the client.Bank Asia Station Road Branch provides four categories of loans those are as follows: 1. Consumer Durable Loan. 2. Auto Loan. 3. House Finance. 4. Unsecured Personal Loans. 4. 4. 1 HOUSE FINANCE [pic] Regulations for House Finance Loan: ? House Finance Loan is provided for the long period of time (Maximum 15 years including 1 year grace period). ? Loan to price ratio: The loan to price ratio is 80%. It means bank finance 80% amount of required amount. Bank provide loan for the construction which is already completed up to ground floor. ? Rate of interest of house finance loan of Bank Asia is 16%. ? Loan size: Loan Size is Tk. 3, 00,000. 0 to Tk. 50, 00,000. 00. ? Maximum Exposure (Bank Equity) 20%. ? Age of the applicant must be between 25-65 Years. ? DBR: DBR (Debt Ratio) have to 40%. ? Processing Fee: 0. 5% or 5000/- whichever is higher. 4. 4. 2 CLOSING OF AN ACCOUNT [pic] Regulation for Auto Loan: ? Auto Loan is provided for purchasing new vehicle. ? Loan to price ratio: If it is recondit ion car bank will finance 80% of the total price and if it is new vehicle bank will finance 90% of the total price. ? Rate of interest of Auto Loan is 16%. ? Loan size: Loan Size is maximum Tk. 20, 00, 000. 00. ? Maximum Exposure (Bank Equity) 20%. ? DBR: DBR (Debt Ratio) have to 40%. Tenor: Auto Loan provided for 60 months (for recondition vehicle), and for 72 months (new vehicle). ? Processing Fee: 1% or 5000/- whichever is higher. ? Age of the applicant must be between 25-65 Years. An application is provided to BRTA as if the vehicle is registered at the name of Bank Asia & the applicant. 4. 4. 3 CONSUME DUALE LONE [pic] Consumer Durable Loan provided to business man as financial assistant. There are some rules and regulations for consumer durable loan those are as follows: ? Loan size: Loan Size is Tk. 50, 000. 00 to Tk. 5, 00,000. 00. ? Rate of interest of Consumer Durable Loan is 17%. Maximum Exposure (Bank Equity) 40%. ? DBR: DBR (Debt Ratio) have to 33%. ? Tenor: Auto Loan p rovided for minimum 6 months or maximum 48 months. ? Processing Fee: 1% or 1000/- whichever is higher. ? Age of the applicant must be between 25-57 Years. ? Loan to price ratio 70%. 4. 4. 4 UNSECURED PERSONAL LONE [pic] Unsecured Personal Loans for service holders, business man will not apply for this type of loan. There are some rules and regulations for Unsecured Personal Loans those are as follows: ? Loan size: Loan Size is Tk. 25, 000. 00 to Tk. 5, 00,000. 00. ? Rate of interest of Consumer Durable Loan is 17%. Maximum Exposure (Bank Equity) 20%. ? DBR: DBR (Debt Ratio) have to 33%. ? Tenor: Auto Loan provided for minimum 12 months or maximum 48 months. ? Processing Fee: 1% or 1000/- whichever is higher. ? Age of the applicant must be between 25-57 Years. ? Loan to price ratio: Not applicable. 4. 4. 5 NECESSARY DOCUMENTS FOR A LOAN PROSESSING [pic] ? Latest license copy provided by the city corporation (Trade License). ? TIN Certificate. ? Nationality certificate/ Passport. ? In come statement (Last 6 months). ? Statement of purpose of loan. ? Reference. ? Guarantor’s information and his/her photograph. Utility bill (telephone bill, electric bill etc). ? Necessary information of existing assets and liability. ? Bank transaction last six months. ? Sources of funds from which borrower can repay the loan. ? Received security advance cheque against loan amount which is properly signed by the borrower. ? Joint necessary stump with the loan application book. Stamp charge may receive on cash or adjust from the account of the applicant. 4. 4. 6 GENERAL POLICY GUIDELINE [pic] ? Bank Asia make loan to the reputed clients. ? Encourage lending to socially desirable, nationally important and financially variable sector. Satisfactory security and collateral is required including source of repayment both primary and secondary source. ? Bank Asia may consider terms loan with maturity up to five years. ? Bank Asia extent credit facilities to the area, which the branc h located and size and ability of its stuff to supervise and monitor the same also considered. ? Maximum size of the loan port folio. ? The banking corporation act 1991 restricts lending to any single obligor or a group of companies up to 15% of the capital funds of bank without having approval of Bangladesh Bank.With the Bangladesh Bank the maximum limit can go up to 100% of the capital of the bank. 4. 4. 6 CIB REPORT [pic] Bangladesh Bank established Credit Information Bureau (CIB) with a view to provide information of the borrower to the schedule banks as per requirement. It is one of our credit policies that the bank wilts not sanction/ disburses any loan facility to a defaulter. Therefore to process a loan CIB report is mandatory one. So by CIB inquiry we can get the report on our clients from Bangladesh Bank. As per credit policy a Loan outstanding of Tk 50,000. 0 and above must be reported to Bangladesh bank Inputs the information of all the borrower status in CIB report whet her he is defaulter or not. So the purpose of CIB is to get the borrower(s) credit information with a view to sanction a loan. This is very important because without having CIB a loan cannot be sanctioned. It is also a tool for discourage loan defaulter in our country. CIB functions can be divided into two classes: CIB Inquiry. CIB Reporting. CIB INQUIRY: The following forms are required for CIB Inquiry: 01. Letter of Undertaking (Annexure – Ka) to be obtained from the individual client. 02. Inquiry Form: CIB – 1AIt covers the information of the debtors / individual borrower or company. Name ET address is mentioned here. It is to be filled up by the bank in Capital letter/ type. 03. Inquiry Form: CIB – 2A For institutional client this is necessary. It covers the information of the owners of the concerned borrowing company/firm. In case of individual client this form is not necessary. 04. Inquiry Form: CIB – 3A This form covers the information of group rel ated business concern of the borrower and any of its owners. Special Note: The name of the borrower / owners should be mentioned in full and must not be abbreviated.CIB REPORTING: The followings forms are required to report to Bangladesh Bank at monthly or quarterly basis. In case of loan limit one crore ET above it is need to be reported monthly and the entire loan amounting Tk. 50,000/- above are required to report quarterly. Form: CIB-1This from is related to borrower information only. Proper sector code and other information should be incorporated properly. Form: CIB – 2 This form is related to the owner(s) information of the borrowing company. Owner’s code and other information should be incorporate properly. Form: CIB – 3This form is related to group / affiliated concern(s) information of the borrower and or any of its owners. Form: CIB – 4 This form represents the credit exposure of the borrower with the reporting bank. Dotted boxes are need not re quired to be reported. Economic purpose code, security code, Classification status and other information should be incorporated property. Form: CIB – 5 This form is related to the guarantor(s) information of the borrower. All the form should be filled in full name with proper address, Abbreviated name are not acceptable. The impact of CIB in our country is very positive. CIB discourage loan defaulters.A loan defaulter cannot participate in any election as a candidate. It is also a way to harass the defaulter socially. At the initial stage of CIB [about 1990] total classified Loan was detected 41 %. By introducing CIB the percentage of classified loan could be minimized. So indirectly it helps our economy. It also helps the schedule bank by way of providing information as per requirement. [pic] PART D PERFORMANCE EVALUTION BANK ASIA (PATHERHAT BR. ) [pic]5: PERFORMANCE EVALUTION BANK ASIA (PATHERHAT BR. ) [pic] 5. 1 DEPOSIT [pic] Bank Asia, Patherhat Branch launched it operati on on 13th April,2012.AD The deposit volume of Bank Asia Ltd, Patherhat Branch, Chittagong is continuously increasing. The deposit amount is 19 crore at |April,2012. Through the following table the deposit position of Bank Asia Ltd Branch is shown. Showing monthly Deposit of Bank Asia Ltd. Patherhat Branch from the month of December,2011 to April,2012. Deposit (Amount in Crore) |Month |December |January |February |March |April | |Deposit |167446961 |174431349 |178152397 |173798455 |190064299 | 5. 2 ADVANCE [pic]The credit volume of Bank Asia Ltd, Patherhat Branch is increasing day by day. Showing monthly Deposit of Bank Asia Ltd. Patherhat Branch from the month of December,2011 to April,2012. Loans and Advance |Month |December |January |February |March |April | |Loans and Advance |12442268 |9877521 |10921573 |15813095 |19803015 | 5. 3 TOTAL INCOME [pic] The total income of Bank Asia is increasing day by day. Net loss of the branch is decreasing day by day by its acclerated efforts t o go the horizon of Profit. Month |December |January |February |March |April | |Total Inocme |1585091 |1760171 |1595499 |1777016 |1957001 | 5. 4 TOTAL EXPANSE [pic] With expansion of opeation of the branch, the total expense of the branch is incrasing day by day. |Month |December |January |February |March |April | |Total expense |3236019 |2337849 |9169238 |2372934 |2407706 |Position for the month of March, 2012:- |Particulars |Monthly Position of February 2012 |Monthly Position of March 2012 |Cumulative up to March, | | | | |2012 | |Total Deposit |178,152,397. 55 |173,798,455. 59 |173,798,455. 59 | |Total Advances |10,921,573. 95 |15,813,095. 60 |15,813,095. 60 | |Interest Income |1,571,766. 70 |1,745,422. 9 |5,052,804. 32 | |Other Income |23,732. 57 |31,593. 58 |79,882. 32 | |Total Income |1,595,499. 27 |1,777,016. 70 |5,132,686. 35 | |Interest Expenses |1,393,856. 72 |1,488,478. 72 |4,387,861. 15 | |Other Expenses |775,381. 63 |884,456. 00 |2,492,141. 53 | |Total Expenses |2,169,2 38. 35 |2,372,934. 4 |6,880,002. 68 | |Net Provisional Profit/Loss |(573,739. 080 |(595,918. 77) |(1,747,316. 33) | |Foreign Inward Remittance |2,415,193. 08 |1,984,934. 01 |6,289,562. 22 | of Bank Asia, Patherhat Branch is given below– [pic] PART E JOB PART [pic]6: JOB PART [pic] 6. 1 JOB DESCRIPTION [pic] In order to achieve best service quality Bank Asia has separate department called â€Å"CUSTOMEN SERVICE DEPARTMENT†, which is responsible of maintaining over all services of the bank to satisfy customers.To establish world class guest experience in all its operations it mainly focusing on people, infrastructure, technology, products and process. In order to ensure such experience Bank Asia always looks for enthusiastic people as employee and interns as well. I was doing the Internship under customer service depertment from January 25March, 2010 to May 25, 2012 in Patherhat branch. 6. 2 KEY RESPONSIBILITIES [pic] ? Ensuring first hand services to the client. ? Keep observing the service activities during the service hour. ? Guiding lost clients to have proper services. ? Having clients suggestion and complains and reporting to BM. Ensuring clients solutions and quality services. ENSURING FIRST HAND SERVICES TO THE GUEST: [pic] Bank is a financial institution so it is very tuff for a guest to know each service point. They sometimes come up with such problems for which they need not to talk to customer service manager or Branch manager. Like – how to write a deposit slip or how to use ATM card in booth etc. in that situation my primary duty was to greet them so that they rely upon me to have on the spot service. On the other hand my primary duties are understanding guest’s problem and guide him or her to talk with the right person on the right desk.KEEP OBSERVING THE SERVICE ACTIVITIES DURING THE SERVICE HOURS: [pic] During the service hour, many unusual situations may arise. So my another duty was to keep looking into those situat ions and make instant solutions like keep looking whether staff behaving the way they should behave or not. To look after whether any staff is ignoring any customers or not, was my another job duty. GUIDING LOST GUESTS TO HAVE PROPER SERVICES: [pic] It is usual situation that different professions people come to bank every day. Some profession people come to bank for the first time and doesn’t know verall service arrangement of the bank. They enter into the branch and starts wondering around within the bank. They get completely lost. So, my responsibility was to listen and guide them in a proper way. HAVING CUSTOMER SUGGESTION AND COMPLAINTS [pic] Since each branch is a touch point for the bank so it’s the better option for SQ department to have better guest experience. Another duty is to collect such suggestions and complain from guests and reporting to the Branch Manager. ENSURING CUSTOMER SOLUTION AND QUALITY SERVICES [pic] A guest should have a complete solution of a problem from branch.If it is not possible for customer service officer then take him/her to customer service manager even if it is not possible for the CSM then take him/her to BM. In the meanwhile I have to ensure the quality service to the guest. 6. 3 DIFFERENT ASPECTS OF JOB [pic] There are five essential areas to excellence in guest experience. Bank Asia Client experience standard will apply it the five aspects for excellence in guest experience listed below— 1) People 2) Premises 3) Papers 4) Processes and 5) Practices People: The team who serves the clients. Premises: The location or place where we serve the clients. Papers: The documents we use to provide and receive information and to communicate with our clients and colleagues. Process: the process that enable us to delight our clients. Practices: the way we interact and talk with our clients. For keep concentrating on service issues, Bank Asia has prepared client experience fundamentals for its entire team me mber. Bank Asia’s client standards are— o BOLD: All team members are will be bold and on behalf of their clients and colleagues. They will be first to greet, first to listen and first to make any suggestions.They are the persons who satisfy the demands of the clients even if they are unexpressed o RELIABLE: The team member will take full ownership in serving their clients to their complete satisfaction o APPEALING: The team members have to ensure that all clients touch points are appealing and inviting o CONSISTENT: The team members will ensure that their clients experience quality is consistent in all aspects across all clients service point all the time. Apart from the above mentioned jobs, I was appointed for following works as well. Software called Stelar where I have to do: CIF (Customer Information Form). A/C verify & close FDR, DPS opening Cheque book, ATM card issue, Active. My major job purpose & principle accountabilities in the banks are as follows: Ensu re account opening, modification, closing, and ATM card & Cheque book requisition and remittance activities. Implement client service strategies to achieve Bank Asia objective and plans Ensure quick resoling of client quires and issues Efficiently handle customer complains Properly maintain FDR, ATM, Account and other registers Receiving checks, issue cheque book, Fund transfer Verifying check book register, Customer Signature verification Writing pay order, Statement inquire Checking balance as per individual customer request Providing all kinds of general banking information to the customers Issuing check books and posting them into the system. 7: RECOMMENDATION [pic] ? Since the branch is situated in a suitable place, so it should introduce ATM Booth of its own very soon. ? Clearing Department should be under online. ? Locker should be introduced. ? To reduce the working presure of the existing employees new capable employees should be employed. Since there are huge numb er of coverage loan, a recovery team should be introduced. ? Banks marketing policy should be more stronger to influence big corporate clients joint with them. ? Bank Asia can introduce about their product and service through different TV channels. So that every initiative of the bank can go at the door the customers. ? More training facilities should be introduced for the junior officers. 8: CONCLUSION [pic] Bank Asia Limited is one of the most renowed growing bank in the country. It is true that Bank Asia increase its growth and popularity with in very short period of time.It has ensured because they have efficient, capable, professional, talent work force. All the officers are very much comitted, helpful and cooperative so that necessary information accumulate through this report. I wish total success of Bank Asia Limited, Pather Hat Branch, and special thanks to Mr. Niaz Ahammed Rashed (FAVP & Manager), SantoshKumar Bhowmik (EO & Sub Manager), and all officers &employees of Path erhat Brahnch, Chittagong. 9: GLOSSARY [pic] IBC:- Inward bills for collection. OBC:- Out ward bills for collection. CIB:- Credit Information.IRC:- Import Registration Certificate. ERC:- Export Registration Certificate. TIN:- Tax Identification Number. BIN:- Business Identification Number. L/C:- Letter of Credit. FDR:- Fixed Deposit Regular. SME:- Small and Medium Enterprise. CCI&E:- Chief Controller of Import and Export. LCA:- Letter of Credit Authorization. B/L:- Bill of Lading. B/E:- Bill of Exchange. STD:- Short Term Deposit A/C. SOD:- Secured Over Draft. LBC:- Local Bills for Collection. LTR:- Loan Against Trust Receipt. FOB:- Freight On Boat. DBR:- Debt Burdeb Ratio. CPV:- Contract Point Verification.SWIFT:- Society for Worldwide Inter-bank Financial Telecommunication. ICC:- International Chember of Commerce. 10: BIBLIOGRAPHY [pic] †¢ Bank Asia Limited. Management Trainee Report. †¢ Bank Fund Management, Dr. A. R. Khan. †¢ Jeff Madura. International Financial Ma nagement. (West Publishing company, 4th edition, 1995). †¢ Rose, P. S. (1999). Measuring and Evaluating Bank Performance. Commercial Bank Management, Fourth Edition. †¢ Annual Report of Bank Asia Ltd. †¢ www. bankasia. com TITLE OF INTERNSHIP: GENERAL BANKING PRACTICE OF BANK ASIA LIMITED Objective of the Study:The major objective of the study is to evaluate the general banking practice of Bank Asia Ltd. To achieve these major objectives, the specific objectives of the study are mentioned below: 1. To high light the authorities involved in general banking of Bank Asia Ltd. 2. To examine the Account opening system of Bank Asia Ltd. 3. To show the Product or Services of Bank Asia Ltd. 4. To evaluate the General Banking Function of Bank Asia Ltd. 5. To find out problems of general banking practice of Bank Asia Ltd. 6. To give suggestions for improving of general banking practice of Bank Asia Ltd. ———————– BANK ASIA | | |CHAIRMAN | |PRESIDENT AND MANAGING DIRECTOR | |DEPUTY MANAGING DIRECTOR (DMD) | |SENIOR EXECUTIVE VICE PRESIDENT (SEVP) | |EXECUTIVE VICE PRESIDENT (EVP) | |SENIOR VICE PRESIDENT (SVP) | |VICE PRESIDENT (VP) | |FIRST VISE PRESIDENT (FVP) | |ASSISTANT VICE PRESIDENT (AVP) | |FIRST ASSISTANT VICE PRESIDENT (FAVP) | |SENIOR EXECUTIVE OFFICER (SEO) | |EXECUTIVE OFFICER (EO) | |SENIOR OFFICER (SO) | |MANAGEMENT TRAINEE OFFICER (MTO) | |OFFICER | |JUNIOR OFFICER (JO) | |ASSISTANT OFFICER (AO) | |BANKING OFFICER (BO) | |TRAINEE OFFICER (TO)/TELLER | | [pic] [pic] [pic] [pic] [pic]