Antigone vs. Creon

In the tragedy of Antigone by Sophocles, Antigone, the main protagonist, is conflicted whether or not to bury her dead brother and go against Creon's law or follow Creon's law. Creon is the main antagonist in this story and punishes Antigone for breaking his law and burying Polynieces. Though they are two different characters, Creon and Antigone could both qualify as the tragic hero because they are both responsible for their own fate, endowed with a tragic flaw and falls from high esteem.In the story, Antigone and Creon are responsible for their own fate, seeing as it's their actions that cause them to be a tragic hero. Antigone knows about Creon's law not bury Polynieces, yet she'd rather go against Creon than the Gods. She did what she thinks is correct but Creon is furious and sends her to a stone grave. Antigone knows what the consequences would be, â€Å"[her] death is the doing of [her] own conscious hand† (‘v. 46). She wouldn't be dead if she didn't bury Polyniec es and follow Creon's law.She chooses to go against him and that seals her fate. Creon, on the other hand, hooses to be stubborn and punish Antigone for breaking his crime. He couldn't bear to seem weak to the citizens of Thebes. It was Antigone's punishment, â€Å"if she lives or dies/That's her affair† (‘v. 55-56). Even if it means sending his own, soon to be daughter in law, to her death. Creon let his pride control his actions and that causes him to lose his wife and his last son. Both, Antigone and Creon could avoid their tragic endings but their flaws cause their ultimate downfall.The tragic flaw endowed in both these characters is pride, one refusing to admit what she did was wrong and another refusing to listen to others. Antigone not only goes against Creon's law but she boasts about it. She refuses to admit she is wrong, saying that Creon's law â€Å"[is] not God's proclamation. That final Justice/ That rules the world below makes no such laws† 57-58). She stands for what she believes in and that makes Creon angry. Though Antigone did follow the law of the Gods, it did not stop Creon from punishing her for breaking his laws.Similarly, Creon's hubris causes him to lose everything too. Haemon had come to him saying that a good king listens to other people's opinions and â€Å"[Doesn't] believe that [he] alone can be right† (iii. 74) ut he doesn't listen. Then Teiresias comes and tries to convince Creon to fix everything, for the Gods are angry and it's his fault. He finally comes to his senses and tries to right his wrongs by mimicking a proper burial for Polynieces and freeing Antigone from her grave, but he is too late.Creon loses his entire family for Haemon kills himself in grief for Antigone and Eurydice takes her life in grief for the loss of both her sons. Everything was going well in their lives until pride gets in the way and ruins the life they once had. Antigone and Creon had a pretty good life in the beginning, se eing as Antigone is etting married and Creon is ruling as king of Thebes, but all that deteriorates once they are forced to face the consequences of their actions. Antigone is already that Polynieces isn't going to be buried and Eteocles is, makes it worse.She chooses to get involved and ends up with her â€Å"[making] a noose of her fine linen veil/And [hanging] herself† because she'd rather die for what she believes in than what someone tells her to believe in (Exo. 59-60). She couldVe left it alone and let Polynieces rot in the field and go about her life to marry Haemon, yet she chooses to risk her life and when the time comes, accepts her death with honor. At the same time, Creon has also let his life go to waste because he already lost one son in the war, he saw another take his life in front of him and comes back home to find his wife had taken her life as well.All Creon wants to do is to die because â€Å"[his] comfort lies here dead. mhatever [his] hands have touche d has come to nothing† (Exo. 136-137). Creon went from being King of Thebes, with a family at home, to Just Creon, who became a victim of the Gods and fate. Although he didn't die, he accepts the fact that he was too late to fix everything and asks to be led away, for his entire family is dead because of him. Most readers would immediately argue that Sophocles chose Antigone as the tragic hero since the story is called Tragedy of Antigone.Although this is true, according to Greek terms of a tragic hero, Creon, to an extent, could also qualify as the tragic hero. Antigone and Creon had two different roles in this story, but in the end they are both the tragic hero because theyre responsible for their own fate, possess a tragic flaw and they fall from high esteem. Antigone vs. Creon In the tragedy of Antigone by Sophocles, Antigone, the main protagonist, is conflicted whether or not to bury her dead brother and go against Creon's law or follow Creon's law. Creon is the main antagonist in this story and punishes Antigone for breaking his law and burying Polynieces. Though they are two different characters, Creon and Antigone could both qualify as the tragic hero because they are both responsible for their own fate, endowed with a tragic flaw and falls from high esteem.In the story, Antigone and Creon are responsible for their own fate, seeing as it's their actions that cause them to be a tragic hero. Antigone knows about Creon's law not bury Polynieces, yet she'd rather go against Creon than the Gods. She did what she thinks is correct but Creon is furious and sends her to a stone grave. Antigone knows what the consequences would be, â€Å"[her] death is the doing of [her] own conscious hand† (‘v. 46). She wouldn't be dead if she didn't bury Polyniec es and follow Creon's law.She chooses to go against him and that seals her fate. Creon, on the other hand, hooses to be stubborn and punish Antigone for breaking his crime. He couldn't bear to seem weak to the citizens of Thebes. It was Antigone's punishment, â€Å"if she lives or dies/That's her affair† (‘v. 55-56). Even if it means sending his own, soon to be daughter in law, to her death. Creon let his pride control his actions and that causes him to lose his wife and his last son. Both, Antigone and Creon could avoid their tragic endings but their flaws cause their ultimate downfall.The tragic flaw endowed in both these characters is pride, one refusing to admit what she did was wrong and another refusing to listen to others. Antigone not only goes against Creon's law but she boasts about it. She refuses to admit she is wrong, saying that Creon's law â€Å"[is] not God's proclamation. That final Justice/ That rules the world below makes no such laws† 57-58). She stands for what she believes in and that makes Creon angry. Though Antigone did follow the law of the Gods, it did not stop Creon from punishing her for breaking his laws.Similarly, Creon's hubris causes him to lose everything too. Haemon had come to him saying that a good king listens to other people's opinions and â€Å"[Doesn't] believe that [he] alone can be right† (iii. 74) ut he doesn't listen. Then Teiresias comes and tries to convince Creon to fix everything, for the Gods are angry and it's his fault. He finally comes to his senses and tries to right his wrongs by mimicking a proper burial for Polynieces and freeing Antigone from her grave, but he is too late.Creon loses his entire family for Haemon kills himself in grief for Antigone and Eurydice takes her life in grief for the loss of both her sons. Everything was going well in their lives until pride gets in the way and ruins the life they once had. Antigone and Creon had a pretty good life in the beginning, se eing as Antigone is etting married and Creon is ruling as king of Thebes, but all that deteriorates once they are forced to face the consequences of their actions. Antigone is already that Polynieces isn't going to be buried and Eteocles is, makes it worse.She chooses to get involved and ends up with her â€Å"[making] a noose of her fine linen veil/And [hanging] herself† because she'd rather die for what she believes in than what someone tells her to believe in (Exo. 59-60). She couldVe left it alone and let Polynieces rot in the field and go about her life to marry Haemon, yet she chooses to risk her life and when the time comes, accepts her death with honor. At the same time, Creon has also let his life go to waste because he already lost one son in the war, he saw another take his life in front of him and comes back home to find his wife had taken her life as well.All Creon wants to do is to die because â€Å"[his] comfort lies here dead. mhatever [his] hands have touche d has come to nothing† (Exo. 136-137). Creon went from being King of Thebes, with a family at home, to Just Creon, who became a victim of the Gods and fate. Although he didn't die, he accepts the fact that he was too late to fix everything and asks to be led away, for his entire family is dead because of him. Most readers would immediately argue that Sophocles chose Antigone as the tragic hero since the story is called Tragedy of Antigone.Although this is true, according to Greek terms of a tragic hero, Creon, to an extent, could also qualify as the tragic hero. Antigone and Creon had two different roles in this story, but in the end they are both the tragic hero because theyre responsible for their own fate, possess a tragic flaw and they fall from high esteem.

Sandra Jones

The plaintiff in this case is Sandra Jones, and the defendant is Winnie Tsige. What is case is about is Winnie Tsige, has been surreptitiously looking at Sandra Jones banking records. 2. The case was heard September 29, 2011 by the court of appeal for Ontario, and the result at the original trial was does Ontario law recognize a right to bring a civil action for damages for the invasion of personal privacy. 3. The court that heard the case in the attached file was Kevin M. V.Whitaker, of the Superior court of Justice, date March 23 2011, with reasons reported at 2011 ONSC 1475, 333 D. L. R (4TH) 566. 4. The important facts in this case is Tsige and Jones did not know each other, and Tsige was in a relationship with Jones former husband. The other important fact were as a bank employee, Tsige had full access to Jones banking information and contrary to the bank’s policy, looked into Jones banking records at least 174 times over a period of four years. . The issues that the cour t had to decide is whether the motion judge erred by granting summary judgment and dismissing Jones claim for damages on the ground that Ontario law does not recognize the tort of beach of primacy. 6. The court refer to other cases because Jones appeals to the court, raising the following issue, did the motion judge err in holding that Ontario law does not recognize a cause of action for invasion of privacy. 7.The elements that are necessary in order to be successful with an action for intrusion upon seclusion is first, the defendant’s conduct must be intentional, within which I would include reckless; second that the defendant must have invaded, without lawful justification, the plaintiff’s private affairs or concerns; and third that a reasonable person would regard the invasion as highly offensive causing distress, humiliation or anguish. . The limitations on an action for intrusion upon seclusion are it is only intrusions into matters such as one’s financial or health records, sexual practices and orientation, employment, diary or private correspondence that, viewed objectively on the reasonable person standard, can be described as highly offensive. 9.The factors that the court will consider in setting damages in an action for intrusion upon seclusion is Tsige’s actions were deliberate and repeated and arose from complex web of domestic arrangements likely to provoke strong feelings and animosity, two Jones was understandably very upset by the intrusion into her private financial affairs, and Jones suffered no public embarrassment or harm to her health, welfare, social, business or financial position and Tsige has apologized for her conduct and made genuine attempts to make amends. 0. How this decision changes the law of intentional torts is intentional torts are actions by individuals or businesses that intentionally cause harm to others. When intentional torts occur in the workplace, they are often the result of employees losin g their tempers, but in this case Tsige repeatedly examined the private bank records of Jones and did not take any money or any harm to her banking she just committed the tort of intrusion upon seclusion because Tsige looked at Jones banking records 174 over a four year period. 11.This case has a huge impact on privacy because Winnie Tsige, was looking at Sandra Jones banking records 174 time over a four year period and she never realized it, and because they worked at different branches of the Bank of Montreal, Tsige had full access to banking information, and contrary to the banks policy, so Tsige could do whatever she wanted to and no one would find out because there are so many different branches for the Bank of Montreal. 12. This case is important because even though Tsige didn’t harm Jones physically she still sis a lot of damages to her by looking at her banking records many time over a period of time.Another reason this case is important is because Tsige had formed a common law relationship with Jones former husband and because Tsige was a employee at the Bank of Montreal, she had full access to jones banking records and anybody else she wanted to look at, and her Ex-husband was probably telling Tsige to look at Jones banking information and records to see her purchase, what she’s doing with the alimony payments he is giving her ever month, and what she does with her money.I believe just cause you work at the bank you shouldn’t have full access to banking information, you should only have that privilege if your high up in the bank, or if one of the tellers needs to look at someone’s banking information then the manager they’re should have to put in a password that only he/she knows so they can get that information.

Branches of Philosophy

Most academic subjects have a philosophy, for example the philosophy of science, the philosophy of mathematics, the philosophy of logic, the philosophy of law, and the philosophy of history. In addition, a range of academic subjects have emerged to deal with areas which would have historically been the subject of philosophy. These include psychology, anthropology and science. [edit] Western philosophy Main article: Western philosophy [edit] History Main article: History of Western philosophy The introduction of the terms philosopher and philosophy has been ascribed to the Greek thinker Pythagoras (see Diogenes Laertius: De vita et moribus philosophorum, I, 12; Cicero: Tusculanae disputationes, V, 8-9). The ascription is based on a passage in a lost work of Herakleides Pontikos, a disciple of Aristotle. It is considered to be part of the widespread legends of Pythagoras of this time. Philosopher replaced the word sophist (from sophoi), which was used to describe wise men, teachers of rhetoric, who were important in Athenian democracy. The history of philosophy is customarily divided into six periods: Ancient philosophy, Medieval philosophy, Renaissance philosophy, Early and Late Modern philosophy and Contemporary philosophy. [edit] Ancient philosophy (c. 600 B. C. –c. A. D. 500) |[pic] |Constructs such as ibid. , op. cit. and loc. cit. are discouraged by Wikipedias style guide for footnotes as they are | | |easily broken. Please improve this article by replacing them with named references (quick guide), or an abbreviated | | |title. | [pic] [pic] Aristotle Main article: Ancient philosophy [pic] [pic] Plato Ancient philosophy is the philosophy of the Graeco-Roman world from the sixth century [circa 585] B. C. to the fourth century A. D. It is usually divided into three periods: the pre-Socratic period, the periods of Plato and Aristotle, and the post-Aristotelian (or Hellenistic) period. Sometimes a fourth period is added that includes the Christian and Neo-Platonist philosophers. The most important of the ancient philosophers (in terms of subsequent influence) are Plato and Aristotle[7]. The themes of ancient philosophy are: understanding the fundamental causes and principles of the universe; explaining it in an economical and uniform way; the epistemological problem of reconciling the diversity and change of the natural universe, with the possibility of obtaining fixed and certain knowledge about it; questions about things which cannot be perceived by the senses, such as numbers, elements, universals, and gods; the analysis of patterns of reasoning and argument; the nature of the good life and the importance of understanding and knowledge in order to pursue it; the explication of the concept of justice, and its relation to various political systems[8]. In this period the crucial features of the philosophical method were established: a critical approach to received or established views, and the appeal to reason and argumentation. [pic] [pic] St. Thomas Aquinas [edit] Medieval philosophy (c. A. D. 500–c. 1350) Main article: Medieval philosophy Medieval philosophy is the philosophy of Western Europe and the Middle East during what is now known as the medieval era or the Middle Ages, roughly extending from the fall of the Roman Empire to the Renaissance. Medieval philosophy is defined partly by the rediscovery and further development of classical Greek and Hellenistic philosophy, and partly by the need to address theological problems and to integrate sacred doctrine (in Islam, Judaism and Christianity) with secular learning. Some problems discussed throughout this period are the relation of faith to reason, the existence and unity of God, the object of theology and metaphysics, the problems of knowledge, of universals, and of individuation.

Be An Anthropologist Essay Example | Topics and Well Written Essays - 1000 words

Be An Anthropologist - Essay Example This may have resulted from the existence of independent sub-fields within the subject. This paper will, therefore, investigate anthropology from a physical anthropologist perspective. The paper will also examine evolution based on cultural anthropology. The discussion within this paper seeks to establish the relationship between the two different points of view and its implications towards the subject. Physical anthropology is both a social science as well as a biological science. Physical anthropology deals with adaptations and variations in the human species as implied by biological principles and theories. The social aspect of physical anthropology seeks to establish the implications of human variations and adaptations on human behavior and culture. Human evolution stands out as a major subject within physical anthropology since it determines human developments and relations. Physical anthropologists consider evolution as accumulation of changes within consecutive generations. Th is implies that evolution results from the heritage of inheritable factors from successive generations. Although there are several inheritable characteristics within the human species, not all potential characteristics contribute to evolution. The desirable character within a population dominates the undesirable characteristics within a successive generation in a given population. ... Physical anthropologists analyze DNA to study human evolution, and this indicates the importance of biology in the subject. DNA is a substance contained in all living cells of an organism. Biologists claim that this substance contains or carries hereditary materials (gene) from parents to their offspring. Studying the DNA enables anthropologists to define the relationship between people. DNA analysis enables physical anthropologists to study successive changes within humanity that constitute evolution. The analysis, therefore, enables a physical anthropologist to validate the existence of evolution. Differences within humanity resulting from geographical disparities can also be explained through DNA analysis. DNA analysis is important to a physical anthropologist; however, it does not sufficiently explain the origin and evolution of the human race. Physical anthropologists also consider cultural analysis to be an important aspect of the discipline. To study evolution, physical anthro pologists study the relationships between culture and biological characteristics of humanity and rely on knowledge and theories developed by other academic discipline. Biological theories and principles on DNA enable physical anthropologists to study human evolution and evolutionary differences. Studying different languages among different communities also contributes to evolution knowledge among physical anthropologists. The book Man, Mind and Science by Leaf is a very useful resource in anthropology. The resource contains relevant information on physical anthropology. According to the resource, evolution is a continuous process that depends on various aspect of humanity. The source proves that evolution theories can only be validated through a

Activity with Viual Aid Essay Example | Topics and Well Written Essays - 1250 words

Activity with Viual Aid - Essay Example I, too, waÃ'• impreÃ'•Ã'•ed when I previewed BaÃ'•ecamp'Ã'• featureÃ'• in Ð…oftware Development'Ã'• People and ProjectÃ'• NewÃ'•letter in May 2004. However, aÃ'• I've grown more familiar with BaÃ'•ecamp, I've found it hard to overlook one important detail: The application haÃ'• no way to produce a Gantt chart. Gantt chartÃ'•â€”thoÃ'•e horizontal bar chartÃ'• that Ã'•how dependencieÃ'• between taÃ'•kÃ'• and the eÃ'•timated time in which they might be completed—have been the mainÃ'•tay of project managerÃ'• ever Ã'•ince mechanical engineer Henry Gantt demonÃ'•trated in the early 1900Ã'• how one can be uÃ'•ed to track taÃ'•kÃ'•, workflow and Ã'•cheduling all at once. The Ã'•yÃ'•tem became Ã'•o popular that it'Ã'• Ã'•aid that managerÃ'• working on the Hoover Dam and the U.Ð…. interÃ'•tate highway Ã'•yÃ'•tem uÃ'•ed Gantt chartÃ'• to keep track of their projectÃ'•. Unfortunately, Gantt chart Ã'• haven't retained their popularity. Ð…ome criticÃ'• now argue that they pull a project manager'Ã'• focuÃ'• away from the project and onto perfecting pretty graphÃ'• that don't match reality. OtherÃ'• claim that the chartÃ'• are created only to pleaÃ'•e higher-upÃ'• and are therefore a diÃ'•traction to the actual project team. (ParadiÃ'•, 21-88) 37Ã'•ignalÃ'• haÃ'• contributed to the baÃ'•hing with itÃ'• BaÃ'•ecamp ManifeÃ'•to, in which it Ã'•tateÃ'• from the Ã'•tart that "ProjectÃ'• don't fail from of a lack of chartÃ'•, graphÃ'•, reportÃ'• or Ã'•tatiÃ'•ticÃ'•, they fail from a lack of communication."... Good project manager ue it to help themelve and other on the team undertand how all the given tak on a project relate to one another. And if that reult in a developer finally eeing how hi work fit into the bigger picture, or if it get a buine ponor to undertand why you can't poibly compre the chedule anymore, the chart ha done it job. (Paradi, 21-88) I upect that part of the backlah againt Gantt chart come from the fact that many project manager have trouble getting Microoft Project (the mot popular tool for creating uch chart) to do what they want it to do. The problem here i the tool, not the chart. And thi repreent a big opportunity for 37ignal. If "the interface i the product," a the company ay in it manifeto, why not build an innovative but eay-to-ue interface for creating and diplaying Gantt chart In all but the mot baic cae, Baecamp uer are already having to cope, pec and chedule tak for every project, o why not let them do it all one place-perhap even collaboratively (Paradi, 21-88) Unfortunately, 37ignal eem determined to ignore cutomer who need a charting feature. In a recent thread in a 37ignal dicuion forum, CEO Jaon Fried reponded to one cutomer requet with a tere, "We will not be adding Gantt chart, orry. It' jut not going to happen." In another thread, Fried announced that the company ha no plan to add "chart, graph, tatitic or number-laden report" to Baecamp. It' too bad, really. Thi oftware houe ha done ome amazing thing with interface and collaboration. For intance, 37ignal' Writeboard document collaboration product i o intuitive and handy that you have to wonder why no one ele built it that way to begin with. Baecamp, however-with it lack of any way to viualize the project information

What Marx Appear To Mean By The Term Alienation Essay

What Marx Appear To Mean By The Term Alienation - Essay Example His political, economic and social ideas gained rapid acceptance despite the fact that he was largely ignored by other scholars and regimes during his lifetime. His fame rose further after his death in 1883. Marx was a communism’s most zealous intellectual advocate. He made comprehensive writing on the subject which laid the basis and foundation for the political leaders who were to come after him. He studied philosophy but turned to economics and politics in his twenties. Karl Marx’s theories of politics, economics and society, which are collectively referred to as Marxism, argued that all human societies progress through dialectic of class struggles. Such class struggle occurs in a capitalist state. Within such a society, the capitalist classes; the owners of capital compete with the workers. The workers solely have their labour power to offer as a means of obtaining daily bread for their livelihood. Karl Marx referred to the capitalist societies as the â€Å"dictato rship of the bourgeoisie†. Such a society is run by the wealthy class of individuals. Such a management or rule is purely meant to benefit the rich ruling class. A class struggle between the bourgeoisies would lead into a dialectical series which enables the society to be transformed from one state to another. The bourgeoisie would always struggle to maintain and expand their wealth in terms of land and other factors of production. This group of individuals does this by exploiting and exposing the proletariat to harsh conditions characterized by poor wages, less food and poor housing. This would enable to capitalist class to make maximum profit and reduce competition from the proletariat. Alienation basically refers to an act of separation from what is most desired by individuals or from whatever is desirable. Alienation is a discrimination of individuals based on something which is valuable to their existence. A society in which alienation is practiced tends to have some of i ts members get extremely wealthy at the expense of other members of the population. Individual are alienated when they live in conditions which they do not approve of and believe to have been caused and forced into them by external forces. It is a form of discrimination in which individuals are denied or prevented from accessing their rights. Forceful denial of self determination, where individuals lack the power to determine whatever happens to them, is a form of alienation which Karl Marx explained. This paper tries, therefore, to make an analysis into what Karl Marx implied by alienation. Karl Marx and Alienation Karl Marx expresses the meaning of alienation in two words; estrangement and reification. Reification refers to the externalization of aspects of self which there exist a dual sense of lose and identification. This implies that labour became a remote or external action since there is the act of selling one’s self just as a commodity and also an individual no longe r relates or identifies with the outcome of ones labour since it has been an independent action. Estrangement on the other hand refers to a situation in which an individual has a feeling of separation or distance from the society or community. Karl Marx understands the concepts of alienation from a capitalist point of view. His argument of alienation is based on a capitalist context. The capitalist mode of production forms the basis for alienation according to Karl Marx. This focus enables us to look at the source of alienation in its actual context in the human societies that we live in. it also enables us to understand the manner in which all the rest forms of alienation are deeply rooted in the prime cause which is capitalism. Marx identified a mechanism through

Ethical consumerism Coursework Example | Topics and Well Written Essays - 2000 words

Ethical consumerism - Coursework Example This report describes various meaning of consumerism and describes various approaches adopted by Cooperative group of companies in carrying out its social activities. The report concludes by providing the gap that exist the current study of consumerism. Ethical consumerism (also known as ethical purchasing, ethical consumption, ethical sourcing or ethical shopping) is a type of consumer activism that is based on dollar voting. This concept is practiced through positive buying where ethical products are given first priority. Ethical consumerism was first popularized by a UK magazine published in 1989 so as to produce rating tables which was inspired by criteria-based approach of the ethical investments movement. Ethical consumerism also means that several customers are willing to buy ethically sourced goods that are ethically made and distributed. On the other hand, an ethical consumer is someone who buys things that are ethically produced. Depending on the context used, ethical production means producing a product that is recycled, use of labor that is produced in facilities without using child labor and slavery, or producing food that is free range or organic raised. Therefore the whole idea of ethical consumerism movement is that you know what you are purchasing and that you buy products that are ethically produced since not knowing results to abuse and exploitation. Consumerism is used by other stakeholders as a tool for social change, basing on the theory that organizations make decisions basing on consumer demand. This idea is evidently limited by the massive power of large organizations which influence, if not create, consumer demand through branding and advertisement. Nevertheless, consumer power may be utilized to ensuring that companies are made accountable to the society; where common citizens in their consumer role can make companies to be accountable. Some authors (Ayglon 2009) regard consumerism as a tool for social change while others (Lang & Tahc

American Imperialism Essay Example | Topics and Well Written Essays - 750 words - 3

American Imperialism - Essay Example Therefore the main reason for adopting an imperialistic policy was to dominate over economic resources which have always been control by the advanced capitalist countries over the liquid and real economic resources of economically backward areas. Since the easiest way to colonize was to take over main liquid resources as foreign exchange and public and private savings, and real resources consist of agricultural, mineral, transportation, communication, manufacturing, and commercial facilities and other assets, therefore Nationalist economic policy worked. Restricted free trade was monopolized and inhibited the growth of income and economic well-being, but these barriers were lowered by the breakup of the European empires. Such an imperialist policy was rationalized as the trademark of this doctrine was based on the notion that exploitive economic relations between the advanced and backward capitalist countries would not be able survive in a world of politically independent countries (Fann & Hodges, 1971: 24). The countries that were affected by the foreign policy of America were Philippines, the Federated States of Micronesia, Marshall Islands, Palau and Puerto Rico. However across the globe American imperialism in the first half of the nineteenth century presided over Ottoman, Persian and Russian empires thereby expanding its empire towards the northward, westward, and southward while establishing its authority over all parts of its territory (Iriye, 2005). As an imperial state, the nineteenth century for America brought persuasion, coercion, and outright conquest and often insured that tariffs and other taxes were turned over to foreign bondholders. Therefore in the presence of military rule, foreign lending was frequently a precarious undertaking which Latin American countries, witnessed by experiencing an uneven history of bond payments. The deployment of the U.S Imperialist policies, particularly in

Assigment #1 Assignment Example | Topics and Well Written Essays - 1000 words

Assigment #1 - Assignment Example In line with this, I find the English colonists as someone who is more superior as compared to the American Indians. Even though the English colonists acknowledged the fact that the American Indians were highly competitive in terms of their progress in economic activities particularly when it comes to hunting and agriculture, there were quite a lot of situational events wherein the English colonists were treating the American Indians badly. In most cases, the English colonists viewed the American Indians as a group of weak individuals who can be easily manipulated through the use of religious activities. I believe that the familiarity between the captive people and the colonists can be explained with the use of frontiers of inclusion or exclusion. Specifically the English colonists adopted the frontiers of exclusion when they settled in North America. Since frontier of exclusion means that they distance themselves from other culture and race, the English colonists never had the opportunity to become more acquainted with the American Indians (Mancall, 1995, p. 2). For this reasons, the English colonists failed to have a better understanding with regards to the strength and weaknesses of the American Indians. This gives the American Indians the benefit of not being able to become strongly manipulated by the English colonists. The same applied on the part of the American Indians. Because of the use of frontier of exclusion, the American Indians do not clearly know the real reasons why the English colonists chose to colonize their country. In fact, the American Indians were not able to have the opportunity to know more about the English culture. The only thing that the American Indians know is that the English colonists were abusive to their tribe. With regards to this perception, the American Indians became more familiar with the English colonists. The benefits and liabilities behind invading another country is not always clear

Cloud Computing Essay Example | Topics and Well Written Essays - 1500 words

Cloud Computing - Essay Example Although this technology has many advantages to a global society, it has a number of risks that make it disadvantageous in its application. The development of the cloud computing technology spans a long historical period that has seen it the common phrase today in the in information technology today. In the 1950s the mainframe computer technology had many drawbacks that necessitated the need of sharing resources within computer networks in public institutions. During this time, the mainframe computers were slow and expensive and it was virtually impossible to provide each person with a mainframe computer. Consequently, the need for sharing information arose in public institutions where the number of computers were much less than the number of clients. To achieve this, the static terminals, which were used for communicating but had no processors, were invented to ensure that the CPU clock speed and the resources within the mainframe memory could be shared among various clients. Betwee n the year 1960 and 1990, cloud computing became more common as scientists suggested that it was possible to connect the whole world through the use a few data centers and numb terminals located from all over the world (Furht, and Armando 10). At this stage, this technology was foreseen as an invention that would globalize the world and connect all human beings within a cohesive network. The period between 1990 and 2000 has been a period of rapid transition of cloud computing technology. Telecommunication service providers adopted the virtual private network (VPN) in which their clients could access networks remotely. Also, this was the time when the cloud computing symbol was used by service providers to mark a separation between the core network and the client side of the network. After the proliferation of the internet technology, the internet formed common network where information could be shared and distributed within virtual computer systems. In 2000, companies such as the Am azon modernized their data centers and provided high capacity networks where information could be accessed by many clients in their online presence. Today, this technology has been adopted within the business systems to synchronize global business operations and form high capacity networks that can provide data to all clients in the world (Furht, and Armando 15). Cloud distributors have become popular as they adopt hardware Virtualization and utility computing that have become the drivers of the cloud computing technology. The cloud computing architecture is divided into two ends that separate the storage and the access sides. Strickland (2) regards the two sides of the cloud computing architecture as the front end and the back end. The front end side is constituted by the client’s computer network and the associated applications that facilitate access of the networks. Mozilla Firefox and the internet explorer are just some of the applications that are commonly used by client s to access the internet on the front end. On the other hand, the back end side constitutes the computers, servers and the autonomous data storage systems that allow the formation of a cloud that can be accessed from the front end. The internet forms a link between the front end and the back end as it forms the channel of communication between the clients and storage servers.

Essay on hinduism and buddhism Essay Example for Free

Essay on hinduism and buddhism Essay Hinduism and Buddhism have different similarities and are in some ways connected to each other. Some of the practices of the two religions are similar in many different ways and there are several examples to show this. Hinduism first started in India around 1500 BC. The word Hindu comes from the word sindhu or river. The Hindu community think of themselves as those who believe in the Vedas, or those who follow the way or dharma of the four classes and the stages of life. The four classes being the varnas and the stages of life being the ashramas. Like Hinduism, Buddhism also started in India. It is based on the teachings of Siddhartha Gautama, who is called the Buddha. Buddhism started a monastic movement in the Brahman tradition. Another name for buddah is the enlightened one.It is generally agreed that the Buddha was born in 563 BC in Kapilavastu to the ruler of a small kingdom. He grew up as a rich guy and had a splendid life. When he was 29 he came to realize that high life up to this point had been so empty. He let go any earthly things and soon left to find peace and enlightenment trying to stay away from the cycles of rebirths. He started practicing Yoga and adopted a life of radical asceticism. He soon gave up this way of thinking and focused on a middle path between the life of indulgence and that of self-denial. After a while of great inner struggle, he began to wander to different places and preach and organized a community know as the sangha. The Buddha started the movement for all different peoples and denied that a persons spiritual worth is a matter of birth. The Buddha left no written word. The Cannon for the Buddhist religion is known as the Tripitaka or three Baskets, because is has three writings. These are the Sutra Pitaka which is a collection of discourses, the Vinaya Pitaka, which is the code of the monastic rules, and the Abhidharma Pitaka, which contains all different philosophical, psychological, and doctrinal discussions and different classifications. The Vinaya Pitaka has over 225 rules for the Buddhist monks and nuns, each  which has a story to explain. The Abhidharma Pitaka has seven different works, which include detailed classifications of the psychological phenomena, metaphysical analysis, and a thesaurus of technical vocabulary. Hinduism also has a lot of writings but the most important of all is the Vedas. The oldest is the Rig-Veda, which was made in an ancient form of the Sanskrit language in northeast India. It consists of 1028 hymns to many of the gods.

Chemistry Diploma Paper Essay Example for Free

Chemistry Diploma Paper Essay 1. Attempt any ten of the following : a) Why is an atom electrically neutral ? b) Differentiate between isotopes and isobars. c) Define conductor and nonconductor. d) State Faraday’s second law of electrolysis. e) Define cell. Give its classification. f) Explain the terms mineral and ore. g) Define alloys with suitable example. h) What is nickel silver ? Write its composition. i) Give composition of glass-wool. j) Name the types of plastics with examples of each. k) Define COD of sewage. l) Define Air-pollution. Give its magnitude. 2. Attempt any four of the following : 16 a) Give the comparison of electron, proton and neutron w.r.to their symbol, change, mass and location within an atom. b) Give four points of distinction between orbit and orbital. c) Write orbital electronic configuration of the following elements 24 39 20 N14 , Mg 12 , K 19 , Ne10 7 d) Describe the formation of NaCl molecule with diagram and name the type of bonding. e) Explain electrovalency and covalency with example. f) State and explain Faraday’s first law of electrolysis. P.T.O. 12002 *12002* MARKS 3. Attempt any four of the following : 16 a) Draw diagram and explain the construction working of lead-acid storage cell. b) A given quantity of electricity is passed through two cells containing copper sulphate and silver nitrate respectively. If 0.99 gms of silver and 0.29 gms of copper are deposited, find equivalent weight of silver when that of copper is 31.6. c) Explain the mechanism of electrolysis of fused sodium-chloride by using carbon electrodes. d) Why copper is electro-refined ? Describe the process of electro-refining of copper. e) Explain construction working and application of dry-cell. f) Define metallurgy. Outline the general principle of metallurgy. 4. Attempt any four of the following : 16 a) Define the terms : flux, slag, malleability and toughness. b) Write composition, properties and applications of Alnico and Woods metal. c) Explain with diagram the gravity separation used for concentration of iron-ore. d) Differentiate – calcination and roasting. e) Write any four purposes of making alloys. f) Explain the fusion method for manufacture of alloys. 5. Attempt any four of the following : 16 a) State four properties of plastics and write the uses based on each of given properties. b) What is thermocole ? Give its properties and applications. c) What is rubber ? What is the difference between natural and synthetic rubber ? d) What is green-house-effect ? State the measure to control it. e) Explain the causes of water pollution. f) What is bio-medical-waste ? Give two techniques for its disposal. 6. Attempt any four of the following : a) Write properties and application of glass-wool. b) Explain any four major sources causing air-pollution. c) Write any four methods to control water pollution. d) What is preventive environmental management ? Give one example. e) Distinguish between air-pollution due to vehicle and industries. f) Write short note on effect of E-waste. ————— 16

Role Of The Line Manager

Role Of The Line Manager Introduction The essay topic I have chosen is â€Å"the role of the line manager as a facilitator of HRD†. The reasons behind my choice are as a result of my experience of working with Citigroup on my INTRA placement. I gained first hand experience of the efforts made by, and at times the shortfalls of my line manager when she was interacting with my fellow employees and I. I discovered that the line manager can have a profound influence on the attitudes towards work held by their subordinates, and this can affect the level and degree of learning which takes place within the work environment. I found that poor management of the facilitation of HRD training was detrimental to both my fellow employees development, general level of contentment and satisfaction within the workplace and their overall productivity within their roles. My essay will first deal with the responsibilties of the line manager in facilitating HRD. Subsequently, it will deal with the methods by which HRD can be implemented by line managers. It will also address the implications of greater line manager involvement in HRD. My aim is to provide a deeper understanding of the managerial processes that managers can employ to facilitate knowledge integration and transfer to their co-workers. Main Body A line manager can be defined as a ‘management figure who is authorized to direct the work of subordinates and is responsible for accomplishing organizational goals. (Dessler, G, 2000). A line manager is traditionally held accountable for ensuring that results are satisfactory and enabling the achievement of goals through the employees who report to them. In recent years, the expectations of the line managers role have changed. Line managers are increasingly entrusted with human resource development, and in some instances are held accountable for any shortfalls in adheering to this new responsibility. It can prove difficult for line managers to take on the additional responsibility due to existing workloads, lack of skills and inexperience of fulfilling such a role. Line managers, rather than HRD specialists, are very familiar with the business context of both organizational and individual learning needs. They are closer to the daily operations and customers. This gives line managers a unique knowledge advantage concerning organisational realities and needs, which can aid their understanding of issues arising in the daily context of work, and knowledge gaps among the workforce. There has been a move towards line managers assuming roles with a developmental focus and undertaking positions as facilitators of learning and skill expansion. This move is a part of the recent trend of empowering employees at all levels in an organisation to expand their knowledge base and responsibilities to ensure that a variety of multiskilled employees are on hand to tackle any situation that the business may be able to direct them at. xxxxxxxxxxxxxxx In order to be equipped to tackle a role in HRD, substantial investments in capacity and skill development of line managers is necessary to ensure that they are equipped to carry out their new responsibilities. Ultimately, the development and performance of a business workforce is substantially influenced by the management they operate under. Investing the necessary time, money and effort into this area is critical for the effective operation and development of an organisations processes and the employees who are charged with carrying these out. This is important as, ‘one of the principle reasons for members of the workforce leaving an organisation is due to perceived poor handling of the manner in which their talents and skills base are managed (Hay, 2002, p52-55). According to Gennard and Kelly, encouraging line managers to participate in a more centralised and involved role in HRD provides opportunities for them to experience personal growth and greater competencies as a by product of this new responsibility. The stand to gain greater competencies in managing and maintaining relationships with the people they work with on a day-to-day basis. This would be possible because of their familiarity with both the needs and expectations of employees on a business wide as well as a personal level (1997, p27-42). It is paramount that line managers recognise their role in facilitating and providing for a working environment which both promotes and supports learning. They must be aware of how critical this step is to securing the best learning environment possible for their subordinates. This entails implementing a programme of continuous learning. This would encompass on-the-job training, which from personal experience I can confidently state that I found to be far more beneficial than my time spend in classroom based training sessions in the workplace. Incorporating an effective system of both formal and informal learning and feedback on a continuous basis should be recognised not just as a benefit, but as a necessity of the everyday working environment. This should be done from the very beginning of an employees tenure in a business organisation. Individual employees should be given encouragement to seek and take control of their learning process, and attempts at looking to better themselves should be recognised and where appropriate, rewarded. Opportunities should be provided by the line manager to utilise ‘cross training to enhance their skills base, meetings to provide and receive feedback on job performance and shortfalls and mentoring programs to help employees to adapt to life in their working environment as seamlessly and comfortably as possible (Cunningham, and Hyman, 1997, p9-27). According to the study by Jurgita Ã…Â  iugÃ…Â ¾dinien, five main roles were identified which demonstrate what is expected by line managers in the context of HRD. These were that: Line managers are expected to discuss the performance and professional development of their subordinates with them on a regular basis. They are expected to liase with HRD training specialists on a wide variety of HRD and HRM issues to ensure advancement of development programs and constant feedback. They should show an active interest in conveying their interest in and support for the learning of their subordinates as part of their day-to-day responsibilities in their role. They should be proactive and heavily involved in the training and learning and development aspect of their subordinates learning within the workplace. They should be actively involved in the development of HRD strategy (2008, p33). An important influence on the attitudes of line managers towards HRD is their perception of the role they play in the development process, which ultimately affects their attitudes and motivations towards their part in the process. A study by Andrea D. Ellinger and Robert P. Bostrom, found that line managers differentiate between how they perceive their roles in facilitating the learning of employees in learning oriented organisations. Their study found that managers see a distinction between ‘managing and ‘coaching. They see them as being separate functions and in some cases, opposing influences on each other requiring a different skill set to effectively implement them. ‘Managers were perceived as being those in charge in positions of authority. Conversely, coaches were viewed as those in their positions who were entrusted with helping employees to succeed (2002, p147-179). On major barrier in the effective implementation of HRD duties by line managers is due to a lack of coaching skills and insufficient line management motivation. This outlook on the role in question is reinforced by findings that the least popular HRD delivery mechanisms include coaching and mentoring. According to Heraty, this may be due to the large commitment of time and resources needed, or that it varies considerably from the speciality skills that managers generally possess and are used to implementing in their own tried and tested fashion (2000. p21-33). By making the process more attractive to both those who administer and receive this form of HRD delivery, it is likely that organisations would see beneficial implications for the business, management and employees themselves. According to a study by McGovern and Gratton, some managers are of the opinion that they expect the HRD function to disappear over time, ‘as learning issues become ever more integrated with the responsibilities of general management. In other cases, some managers appear to see a different role for HRD professionals in the future as they transfer to the role of organizational change consultants. The study notes that the responsibility for HRD is not commonly included within the terms of a line managers performance objectives. ‘It may prove difficult for line managers to act in two opposing roles that of an assessor and that of a coach. Furthermore, line managers are not specialists in HRD. They may lack the necessary confidence, knowledge and organizational support to assume the required responsibility for HRD implementation (1997, p12-29). According to a study by Renwick, there are significant differences in the role of line managers based on the nature of business undertaken by their organisations. ‘Based on the ownership of the organisations; there are significant differences in line managers role in performance counselling, career planning, salary decisions, grievance handling, and employee termination† (2003, p262-280). This indicates that it is necessary to clarify what exactly is expected of line managers with regard to HRD, and what becomes of the role of HRD professionals should responsibility transfer to line management. Research by Ellinger and Bostrom indicated that managers were viewed as those who have to make the hard decisions, some of which would not be viewed as being consistent with those of being a coach. Managers were perceived to be involved in actions such as ‘ordering, judging and controlling the employees they worked with, whereas coaches had far more of a positive influence on their employees learning and morale, by empowering them to learn, helping them to more fully understand and removing as many obstacles that may inhibit their ability to learn. Conversely, coaches/HRD staff were seen to have far more of an influence in empowering employees to make decisions and in the process, to grow and develop into so that they can exert more influence as they increase their abilities and competencies. Managers and coaches in this study agreed that these roles were, in many cases, ‘distinct from each other and there were differing mental models and approaches that tied in with each role which influence how managers perceive different situations and how their approach will vary when addressing a situation depending on these models (2002, p147-179). All of the managers in the aforementioned study envisaged their role and responsibilities as entailing helping their employees to grow and develop to make sure that they understand how their role ties in to the rest of the organisation and how they can fulfil what is expected of them in this capacity. Managers in the study viewed the roles of being a manager and the concept of being a facilitator of learning as ‘dichotomous roles, but acknowledged that there were ‘eventualities which would involved moving between these roles in the nature of their work (Ellinger and Bostrom, 2002, p147-179). Since line managers usually are not specialists in HRD, they should be periodically screened and assessed with respect to their performance in fulfilling their roles, and their understanding of various learning needs. This should be done in both their area of their specialty, and in the area of Human Resource Development to ensure they are sufficiently confident and competent. It is important to increase their skill and knowledge in HRD, and it is advisable to consider incorporating HRD skills training in all varieties of training packages for managers. The capacity of line managers to provide advice and consultancy to all employees, be they managers or subordinates, should also be developed. Senior managers must be highly supportive in the HRD role of line managers, and an incentive system should be developed to motivate them to embrace it more fully through co-operation with HRD staff and additional training. This is essential, as ‘acting as a HRD facilitator demands a coaching management style, as opposed to a directive management style (Garavan, 1995, 11-16). The trend of increased line manager involvement is identified in the study by de Jong. He states that ‘there is a tendency toward decentralizing HRD responsibilities within organizations. He categorises the new line manager functions into three distinct areas: Analytic role: just as first-level managers are expected to discuss periodically the performance and the developmental needs of their subordinates, they should be periodically screened with respect to their performance and their developmental needs in respect of production and also in people management. Supportive role: just as they are expected to show interest in their subordinates developmental activities on a daily basis, line managers should experience continuous support from their superiors in their attempts to improve their skills. Trainer role: Just as they should provide training and coaching to their subordinates, they should receive instruction and guidance in order to develop in their management role (1999, pp176-183). Conclusion Greater management involvement in HRD reflects a significant transformation of line management responsibility in organisations. Before displacing traditional HRD roles, substantial investments in the capacity development of line managers is needed to ensure that they are capable of carrying out their new responsibilities. It can be concluded that line managers have not assumed responsibility for HRD across the board. It is difficult to fulfil this role, either because of their workload, lack of skill or lack of traditional management involvement in this area. Cooperation between line management and HRD specialists exists. However a lack of line managers involvement in HRD, as well as limited capacities of HRD specialists to support, liaise and consult with line managers can hinder this process. Future research into this area may reveal approaches by which managers can be trained in order to gain the required skill sets to be able to handle both levels of competency in which there is currently a grey area. Removing the rigid views of what it takes to be a ‘manager or ‘HRD professional and incorporating a new perspective of what the expectations of a line manager are in this process is an essential step in reconciling this process. Only after doing so can progressive steps be taken in implementing the line manager firmly in a position to facilitate an effective HRD function as part of their role. Line managers should be given more ownership of HRD strategies, allowing them to have more involvement in decision making at the policy formulation level. They should also be given the opportunity to provide input into developing a more strategic partnership with HRD specialists. In this way, they would develop a better understanding of the broader perspective of both roles and could address any weaknesses in the process. Taking an active role in supporting their employees in learning and development should become an integral part of a line managers performance objectives. References Cunningham I. and Hyman J. (1997) Devolving human resource responsibilities to the line: Beginning of the end or new beginning for personnel? Personnel Review, Vol.28, No.1/2, pp9-27. de Jong J.A., Leenders F.J. and Thijssen J.G.L.(1999) HRD tasks of first level managers. Journal of Workplace Learning, Vol.11, Issue 5, pp176-183. Dessler, G. (2000) Human Resource Management. New Jersey: Prentice Hall, Upper Saddle River, Ellinger, A.D. and Bostrom, R.P. (2002) ‘An Examination of Managers Beliefs about their Roles as Facilitators of Learning, Management Learning, 33 (2): 147-79 Garavan, T. N. (1995) Stakeholders and Strategic Human Resource Development. Journal of European Industrial Training, 1995, Vol. 19, No 10, 11-16. Gennard J. and Kelly J. (1997) The unimportance of labels: the diffusion of the personnel/ HRM function Industrial Relations Journal, Vol.28, No.1, pp27-42. Gibb S. (2003) Line manager involvement in learning and development: Small beer or big deal? Employee Relations, Vol.25, No.3, pp281-293. Hay, M. Strategies for Survival in the War of Talent,.Career Development International, 2002, Vol. 7, No 1, 52-55. Heraty N. and Morley M. (1995) Line managers and human resource development. Journal of European Industrial Training, Vol.19, Issue 10, pp31-37. Hutchinson, S. and Purcell, J.(2003) Bringing Policies to Life: The vital role of front line managers in people management. CIPD, London. McGovern P., Gratton L. and Hope-Hailey V. (1997) Human resource management on the line? Human Resource Management Journal, Vol.7, No.4, pp12-29. Renwick D. (2003) Line manager involvement in HRM: an inside view? Employee Relations, Vol.25, No.3, pp262-280. Ã…Â  iugÃ…Â ¾dinien, Jurgita (2008) Line Manager Involvement in Human Resource Development, VIEÃ…Â  OJI POLITIKA IR ADMINISTRAVIMAS, p32-36 Thornhill A.and Saunders M.N.K. (1998), ‘What if line managers dont realize theyre responsible for HR? Lessons from an organisation experiencing rapid change, Personnel Review, Vol.27, No.6, pp460-476.

Odyssey :: essays research papers

In Homer’s epic, The Odyssey, various aspects of the ancient Greeks are revealed through the actions, characters, plot, and wording. Homer uses his skill as a playwright, poet, and philosopher to inform the audience of the history, prides, and achievements of the ancient Greeks, and, also, to tell of the many values and the multi-faceted culture of the ancient Greek caste. The Greeks had numerous values and customs, of which the primary principles are the mental characteristics of an individual, the physical characteristics of an individual, the recreations and pastimes the Greeks enjoyed, the way in which a host treats a guest, the religious aspects, and finally, the Greeks’ view on life, revealed in The Odyssey which shows and defines their culture   Ã‚  Ã‚  Ã‚  Ã‚  One of the most prominent of the mental characteristics the ancient Greeks valued was the cleverness and the wit of an individual. This can be discerned from The Odyssey because of many instances and events in which Odysseus uses his brain’s wit and other tricks to get himself out of a risky situation. Examples of this are when he tells Polyphemos the Cyclopes that his name is Nobody, when he overcomes Circe’s magic with the help of moly, when he fills his men’s ears with wax and ties himself to a post so that he and his men can get by the Sirens safely, and when he disguises himself as a beggar and reveals his true identity to few. Odysseus is by “far the best of mortal men for counsel and stories'; (Bk. XIII, 297 – 298). Also, Odysseus is said to be able to match a god in wits and trickery (Bk. XIII, 291 – 295). Penelope, Odysseus’ wife also uses her wit and trickery to get herself out of situations. An example of this i s when she pretends to be weaving a shroud for Laertes, but actually undoes at night as much as she had done in the morning. Athene, the goddess of wisdom, provides another example of the usage of wit and tricks. Athene disguises Odysseus as a beggar and also surrounds him with a mist numerous times so that his former acquaintances will not see or recognize him.   Ã‚  Ã‚  Ã‚  Ã‚  Other significant mental characteristics that the Greeks valued are faithfulness and loyalty. There are many, many examples of loyalty and faithfulness in The Odyssey. The four most significant examples are Penelope, Eumaios, Philoitois, and Argos.

Human’s Attempt to Overrule God: The Debate Over Euthanasia Essay

Life. Did you have the free will to decide when your life began? If man didn’t have the power to decide when life began, why does man want to exert the right to end it? Life is one of the most valuable things that humans possess. Humans are the most complex of all creatures. Plenty of time is spent debating over beginning and ending of life issues such as, euthanasia. Euthanasia is a defined as, a â€Å"gentle and easy death†, derived from the Greek language (Keown 10). A â€Å"gentle and easy death† indicates that death would not come naturally, but by treatment or medication. For death to come by treatment or medication was not God’s intention for the termination of human lives. To illustrate, the Bible says, â€Å"Or do you not know that your body is a temple of the Holy Spirit within you, whom you have from God? You are not your own, for you were bought with a price. So glorify God in your body.† (1 Cor. 6:19-20). The body is a temple and it is a gift from God. Human beings were bought with a price for a valuable purpose. The debate over euthanasia is a prevalent and pressing issue in today’s society, and possibly one of the most popular. Euthanasia is a topic that will separate a room of people by beliefs. About three years ago, 22 percent of the 18 members of the Humane Society board resigned over the controversial issue of euthanasia (Humane Society CEO Search Reignites Euthanasia Debate 2014). This is a debated issue in which many believe that a person should have the right to decide on how they feel (EUTHANASIA Will Be Debated at an Event in Cheltenham This Week 2014). Euthanasia is a heavily debated topic that is deeply divided because of personal conviction or religion. This is an ongoing moral and ethical worldwide debate, is the w... ...g Death; Assisted Suicide." The Economist 20 Oct. 2012: 18(US). Global Issues in Context. Web. 30 Apr. 2014. Ernst, Cheryl, and Maureen Mennie. "Palliative Preference." Maclean's 24 Mar. 2014: 6. Global Issues in Context. Web. 24 Apr. 2014. "EUTHANASIA Will Be Debated at an Event in Cheltenham This Week." Gloucestershire Echo [Gloucestershire, England] 5 May 2014: 17. Health Reference Center Academic. Web. 5 May 2014. "Humane Society CEO Search Reignites Euthanasia Debate." Crain's Detroit Business 10 Mar. 2014: 0001. General OneFile. Web. 24 Apr. 2014. Keown, John. "1- 'Voluntary Euthanasia'" Euthanasia, Ethics, and Public Policy: An Argument against Legalisation. Cambridge, UK: Cambridge UP, 2002. 10. Print. Keown, John. "The Value of Human Life." Euthanasia, Ethics, and Public Policy: An Argument against Legalisation. Cambridge, UK: Cambridge UP, 2002. 39. Print. Human’s Attempt to Overrule God: The Debate Over Euthanasia Essay Life. Did you have the free will to decide when your life began? If man didn’t have the power to decide when life began, why does man want to exert the right to end it? Life is one of the most valuable things that humans possess. Humans are the most complex of all creatures. Plenty of time is spent debating over beginning and ending of life issues such as, euthanasia. Euthanasia is a defined as, a â€Å"gentle and easy death†, derived from the Greek language (Keown 10). A â€Å"gentle and easy death† indicates that death would not come naturally, but by treatment or medication. For death to come by treatment or medication was not God’s intention for the termination of human lives. To illustrate, the Bible says, â€Å"Or do you not know that your body is a temple of the Holy Spirit within you, whom you have from God? You are not your own, for you were bought with a price. So glorify God in your body.† (1 Cor. 6:19-20). The body is a temple and it is a gift from God. Human beings were bought with a price for a valuable purpose. The debate over euthanasia is a prevalent and pressing issue in today’s society, and possibly one of the most popular. Euthanasia is a topic that will separate a room of people by beliefs. About three years ago, 22 percent of the 18 members of the Humane Society board resigned over the controversial issue of euthanasia (Humane Society CEO Search Reignites Euthanasia Debate 2014). This is a debated issue in which many believe that a person should have the right to decide on how they feel (EUTHANASIA Will Be Debated at an Event in Cheltenham This Week 2014). Euthanasia is a heavily debated topic that is deeply divided because of personal conviction or religion. This is an ongoing moral and ethical worldwide debate, is the w... ...g Death; Assisted Suicide." The Economist 20 Oct. 2012: 18(US). Global Issues in Context. Web. 30 Apr. 2014. Ernst, Cheryl, and Maureen Mennie. "Palliative Preference." Maclean's 24 Mar. 2014: 6. Global Issues in Context. Web. 24 Apr. 2014. "EUTHANASIA Will Be Debated at an Event in Cheltenham This Week." Gloucestershire Echo [Gloucestershire, England] 5 May 2014: 17. Health Reference Center Academic. Web. 5 May 2014. "Humane Society CEO Search Reignites Euthanasia Debate." Crain's Detroit Business 10 Mar. 2014: 0001. General OneFile. Web. 24 Apr. 2014. Keown, John. "1- 'Voluntary Euthanasia'" Euthanasia, Ethics, and Public Policy: An Argument against Legalisation. Cambridge, UK: Cambridge UP, 2002. 10. Print. Keown, John. "The Value of Human Life." Euthanasia, Ethics, and Public Policy: An Argument against Legalisation. Cambridge, UK: Cambridge UP, 2002. 39. Print.

Computers and The Increase of Labor and Wage Inequality in The 1980’s :: History Technology Essays

Computers and The Increase of Labor and Wage Inequality in The 1980’s Although computer technology dates back to at least the 1940’s, microprocessors were first introduced on a wide scale in manufacturing in the 1970’s. It has been noted that mainframe computers started to be used in business in the late 1950’s and early 1960’s. Computers have seemed to grow more rapidly ever since the Apple II was born in 1977 and the IBM PC in 1981. PC (personal computers) spread rapidly in the 80’s and 90’s and have been upgrading ever since. It has been said that during this increase in popularity and use of computers the labor inequality and wage difference has been increasing as well. Throughout this paper we will discuss reasons why computers are to blame and why computers have had nothing to do with economic increase of skilled educated workers and a decrease in need for unskilled and uneducated workers. Increase in the growth rate of the demand of more skilled workers due to the pace of the technological work from 1970 to the present has been one of the arguments against computers causing inequality. From the 1970’s the pace of work has been faster, the work load has been greater because demand has gone up, and many jobs have become more difficult to learn. There are no longer mills where education and much knowledge was needed to get the job done. Work has gotten much more involved and complex. The employment of high school drop outs have fallen from 64.4% in 1940 to 9.8% in 1996, and the employment of college graduates have risen from 9.3% to 41.6%. Although computers have been around that whole time there is no way they caused a 54.6% decrease in the employment of high school drop outs. It has also been said that there has been an expansion slowdown from what the country was used to in the beginning half of this century from the 1970’s, so this has allowed companies to pay one educated worker rather than paying two of three uneducated workers that did the same job. Over the years unions have also began to disappear causing some of those unskilled workers how were once protected by contracts to a given union to become no longer demanded. Many of those unskilled workers who escaped being unneeded have noticed a dramatic pay decrease. Many people might think, â€Å"What are you talking about, in the 1940’s they were making like five to ten dollars a day.

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]