Ferdinand Toennies's Gemeinschaft Essay Example | Topics and Well Written Essays - 500 words

Ferdinand Toennies's Gemeinschaft - Essay Example There are several that I can envision on the corporate front such as security exchanges and the like, but I think that the best example of Gesellschaft is the city of New York. New York City is an organization in that it is a municipality. Thus while governmentally organized, it is a Gesellschaft as proposed by Toennies. (Kirvisto 89). New York City is a large, urban society, in which social bonds are based on impersonal and specialized relationships, with little long-term commitment to the group or consensus on values. Relationships are based on achieved statuses, and interactions among people are both rational and calculated. This is evidenced by the interactions of brokers on Wall Street, the advertising industry and even the penal system. He who makes the highest dollar attains the highest status. This is precisely what Toennies predicted would happen which is why his preference was towards the Gemeinschaft. (Kristovo 89).

Huckleberry Finn Essay Example for Free

Huckleberry Finn Essay Theme, structure and social characteristics as the literary elements, highlighting the spiritual growth of the main characters in â€Å"My Name is Asher Lev†, â€Å"Emma† and â€Å"Huckleberry Finn† The present paper is designed to discuss three novels about moral maturation and the growth of self-awareness, â€Å"Huckleberry Finn† by Mark Twain, whose protagonist is Huckleberry Finn, Jane Austen’s â€Å"Emma†, named after the protagonist and â€Å"My Name is Asher Lev† by Chaim Potok, whose main character is Asher Lev. Notably, the authors necessarily indicate the protagonists’ names in the titles, underlining their moral and psychological development as a central plotline. The literary elements of theme, structure and protagonist’s social characteristics actually strengthen the reader’s understanding of the character’s spiritual growth: Lev’s novel demonstrates’ the protagonist’s liberation from the community bonds through the lens of the theme of social pressure, Twain’s writing – the progress of Huck’s humanistic views underlining the theme of slavery, Austen’s work – Emma’s psychological maturation, through prioritizing the theme of marriage, moreover, all works by their structure provide the mistakes made by the protagonists on their path and thus make clear to the reader that development is not a smooth and gradual process, whereas the change or stability of sociological characteristics pay reader’s attention either to the connection between self-awareness and social position or to the purely inner revolution. The characters actually perfect very distinct aspects of self awareness: Emma, for instance, overgrows the selfish and infantile girl, whose main interest is manipulating the others’ fates (as she appears at the beginning), Asher Lev realizes that he is actually an independent personality rather than the subject of the Hassidic community after being judged for depicting the his mother’s anguish, whereas Huckleberry Finn, who has never considered carefully the issue of racial equality, begins to realize his humanistic views and oppose the oppression of slaves and the split of their families. Due to the fact that the major theme in â€Å"My Name is Asher Lev† is community bonds and the conflict itself develops in terms of the weakening of the commitment to the groups of Hassids (Walden, 1985), the protagonist, who is a bright and unordinary individuality, should ascend over the blind observance of community tradition and learn to distinguish himself from the group. Therefore, his development is associated with individuation and learning of his ego and the religious conflict results in the development of Asher’s ability to assert his self: â€Å"So it is time for the defense, for a long session in demythology. But I will not apologize. It is absurd to apologize for a mystery†(Potok, 1998, at http://search. barnesandnoble. com). The theme of marriage as the leading one in â€Å"Emma† is also related to the main character’s development: whereas at first, Emma views marriage as a game, popular in her environment, she is still not infantile to understand that this specific type of partnership is based necessarily on strong affection after developing the feelings for her brother-in-law; whereas at the beginning she has fear for the responsibility associated with marriage. The theme of slavery also supports the reader’s understanding of the young protagonist’s moral growth in â€Å"Huckleberry Finn†: â€Å"I’m low down; and I’m a-going to steal him† (Twain, 1999, Ch. 33); as one can understand, Huck no longer views Jim as property, but in order to persuade Tom, he recognizes his own inclination to wrongdoing and takes entire responsibility for the stealing the slave. The structure of the stories is generally similar: the greatest part of the plot is dedicated to depicting the behavioral imperfections of the protagonist, so that the reader can feel the protagonist is an ordinary person, whose growth is based upon his/her own mistakes. For instance, â€Å"Emma† at first depicts an arrogant and class-conscious girl saying â€Å"The yeomanry are precisely the order of people with whom I feel I can have nothing to do† (Austen, 2001, Vol. 1 Ch. 4) and throughout the first two parts she acts as a quarrelsome person, whereas her later reasoning can be characterized as wiser: â€Å"I think Harriet is doing extremely well â€Å"(Austen, 2001, Vol. 3, Ch. 28), i. e. she approves of her best friend’ marriage to the farmer, having got the idea of love and letting it in. Beyond mistakes, Potok’s and Twain’s protagonists also encounter difficulties and adversities, which shape their outlooks; for instance, Lev’s story can be divided into three parts (Walden, 1985): period of the teenage conflict with the environment, movement toward the goal in Kahn’s studio and the resolution of the conflict and individuation (Potok, 1972). Huck’s moral development is less gradual and actually consists of several insights: 1) first encounter with Jim as a fugitive slave and the initial desire to help him; 2) The loss of the companion after meeting the â€Å"aristocrats† and Jim’s imprisonment in Phelpses’ house. Finally, social characteristics of the protagonists are quite expressive themselves and point actually to the qualities to be changed. For instance, Emma is introduced as a girl with a degree of self-importance and class-based prejudice because of her upper class identity, but later she begins to understand her friend Harriet in her love for Martin and thus grows more open-minded; furthermore, her maturation is accompanied by the change of social characteristics, as Emma accepts Knightley’s proposition Huck Finn’s social characteristics remain practically the same, as the author seeks to maintain the reader’s focus on the advancement of his moral qualities, so that the adolescent still remains to some extent uncommitted to social norms (â€Å"Aunt Sally she’s going to adopt me and sivilize me, and I can’t stand it† (Twain 1999, Ch. 43), in spite of having developed his distinct attitude towards slavery. Asher Lev, in turn, drastically changes his social identity: the growth of his self-awareness and self-identity result in his alienation and separation from the community. To sum up, the reader’s understanding of the protagonist’s path toward self-awareness is to great extent manipulated by the authors: Jane Austen, Chaim Potok and Mark Twain design the plot structure, which underlines the failures and subsequent insights of the protagonist, embed the central theme into the main character’s spiritual growth and substantially change the protagonist’s social features, except Huck’s case, in which the focus on morality shift is broadened through remaining social characteristics stable. Reference list Austen, J. (2001). Emma. At http://ebooks. adelaide. edu. au/a/austen/jane/a93e/. Twain, M. (1999). Huckleberry Finn. At Potok, C. (1972). My Name is Asher Lev. Alfred A. Knopf. Potok, C. (1998). My Name is Asher Lev. At http://search. barnesandnoble. com/booksearch/isbninquiry. asp? ean=9781400031047displayonly=EXCz=y#EXC http://etext. virginia. edu/toc/modeng/public/Twa2Huc. html Walden, D. (1985). The World of Chaim Potok . State University of New York Press, 1985.

Doctor-Assisted Suicide and the Hospitals Bottom Line :: Euthanasia Physician Assisted Suicide

Euthanasia and the Hospitals' Bottom Line      Ã‚   An important factor in debates over health care and treatment strategies is the issue of cost. It is tremendously expensive to provide the state-of-the-art care that the modern hospital offers. Concerns about where the money will come from to care for elderly citizens appear to be making the case for "mercy killing" even more compelling. Under financial pressure, hospitals are exercising their right to deny such expensive healthcare to the aged or seriously ill.    We reserve the right to refuse service: Most people have seen these signs at restaurants and retail shops. But now, metaphorically, some hospitals are hanging such notices over their entryways by promulgating "futile care" protocols that grant doctors the right to say no to wanted life-extending medical treatment to patients whose lives they consider lacking in sufficient quality to justify the cost of care.    Unnoticed by the mainstream press, a disturbing study published in the Fall 2000 issue of the Cambridge Quarterly of Health Care Ethics reveals how far the futile-care movement, in reality the opening salvo in a planned campaign among medical elites to impose health-care rationing upon us, has already advanced. The authors reviewed futility policies currently in effect in 26 California hospitals. Of these, only one policy provided that "doctors should act to support the patient's life" when life-extending care is wanted. All but two of the hospital policies defined circumstances in which treatments should be considered nonobligatory even if requested by the patient or patient representative. In other words, 24 of the 26 hospitals permit doctors to unilaterally deny wanted life-supporting care.    How is such medical abandonment justified? Advocates of futile-care theory cleverly shift the focus away from the physiological effect provided to the patient and toward whether the patient has the "potential for appreciating the benefit of the treatment." Thus, the Cambridge Quarterly reports that 12 of the 26 hospitals surveyed prohibit treating people diagnosed with permanent unconsciousness (other than comfort care) based on these patients' supposed inability to know they are being treated. Never mind that several medical studies demonstrate that this condition is often wrongly diagnosed (40 percent misdiagnosis according to one British report). And never mind that such patients sometimes awaken unexpectedly, as recent headlines attest. What is most disturbing is that these policies, if enforced, would prevent profoundly brain-damaged and dementia patients from receiving tube-supplied food and water because such care is considered medical treatment.

Shapiros Poem Auto Wreck :: essays research papers

Shapiro's Poem Auto Wreck Philosophers have pondered the meaning of life and death since the beginning of time. There are many hypotheses. From reincarnation to Valhalla-then on to heaven. There have been many proposed solutions. Yet no one fully understands dea th. In Shapiro's poem "Auto Wreck," he illustrates the irrationality of life for it can be taken away at any given time for no rational reason.Shapiro uses metaphors to emphasize the fantasy-like and wild setting of the auto wreck. The following is an excerpt taken from "Auto Wreck":"And down the dark one ruby flare Pulsing out red light like an artery."This statement contrasts the red light emitted from an ambulance to the blood of an artery. The idea that a light is spurted out like blood is abstract and bizarre. In addition to that metaphor, Shapiro writes:"One hangs lanterns on the wrecks that cling Emptying husks of locusts, to iron poles."This rhythmical sentence paints a picture of locusts, grassÄ ho pper like creatures, clinging to a luscious green jungle of grass. Yet symbolically this jungle is the twisted, black, and crisp auto wreck. This depiction of the auto wreck is extravag ant and almost unreal. Using metaphors, Shapiro portrays the fantasy-like auto wreck in which wildness is indispensable.In addition to Shapiro's use of metaphorical phrases, he emphasizes the lack of comprehension of the on-lookers as a result of death's inconsistency with logic. Shapiro directly tells the reader, "We are deranged." The word "we" symbolizes u s, as a whole institution or better yet-society. He goes on further to say, "Our throats were tight as tourniquets." By this he means that the on-lookers were stopped, almost speechless, as they gazed upon the wreckage contemplating the reason b ehind death. Finally, Shapiro writes:"We speak through sickly smiles and warn With the stubborn saw of common sense."What the writer is getting through is that the on-lookers attempted to rationalize the accident with their common sense. But their "common sense," or their logical reasoning ability, was being sawed upon as they continued to puzzle over death. Once again, the old age question of "What is the meaning of death?" was tackled at the scene of the auto wreck.Finally, Shapiro asks rhetorical questions which could never be answered by logical means. One question which Shapiro asks is "Who shall die [next]?" This question could never be answered for death strikes without cause but randomness.

Business Plan for a Real Estate Business in Bangladesh Essay

It will make good quality flats for clients to live and enjoy lot more exclusive facilities. All these will be available at a very reasonable price. Since we believe in economies of scale. Slogan: â€Å"feel like living on heaven in every moment† Financing: To start up the business, Tk. 20 crores will be required, some additional needs to be financed by the bank. The loan will be repaid by five years. Confidentiality: This Business Plan is strictly confidential and is the property of the co-owners mentioned above. Any reproduction of the material inside will result is strictly prohibited. There has always been a good demand in the real estate market, and as the income level of the people of Bangladesh grows, that demand is surging even further. People want to buy unique, good-looking and attractive flats, but they want a good value for their money as well. That’s where we come in. We offer excellent quality flats, at reasonable prices. Another uniqueness of our business is that we have a separate line of apartments for office/bank use only. There is currently no such real estate companies in Bangladesh that offers an exclusive line of apartments. Therefore, in this segment, we can enjoy the benefits of being an oligopolist. On the other hand, we have the business-to-business prospect. Due to good economic growth, apartments are on the rise. Raihan with share of profit and loss according to ratio of equity invested. Together, we have gathered the necessary expertise required to run a real estate business. Initially, we will of course incur losses, but we plan to make profits in the fourth or fifth year. Real Estate Industry Analysis Industry Analysis: Real estate is a fixed, tangible and immovable asset in form of houses or commercial property. Real estate market involves developing, renting, selling/purchasing and renovating of these assets (houses). Market participants includes o Developers (contractors, engineers, and so on), o Facilitators (mortgage companies, real estate brokers, banks, anagement agents and so on), owners, renters (leasers) Each product (house) is unique in terms of buildings, location, and financing thus market has heterogeneous products. Transaction costs are high and the process is usually long. Though there are mobile homes, but the land underneath is till immobile, real estate is an immovable asset. Market Segmentations: The main factor that affects demand in real estate industry is demographic features. The demographic variables include population size and growth, cultural background, beliefs. However, other factors like income, price of housing, cost and availability of funds, consumer preference, supplier’s preference, price of substitutes and compliments. Future Outlook: One of the most startling statistics regarding real estate in this country, and a fact few people even realize, is that big portion of land in the Bangladesh is held either by the Government or is being used for agricultural purposes. The total farm area comprises about 62% of the total geographical area, forest area accounts for 15%, Perennial water 11% and urban area only 01%. The physical landscape is characterized by small arable fields. There are over 11 million farm holdings with more than 65 million fragments. The pattern of land ownership is highly skewed. 5% for the families having land above 7. 2 acres own 26% of the land and 70% of the families having land below 2. 5 acres own only 29% of the land. The per capita availability of crop land is at present only 0. 24 acre. Land utilization statistics indicate that 54% of the net cropped area is single cropped and area under double and triple cropping account for 72% of the gross cropped area. 20% of the total cropped areas have irrigation facilities. Yield is low i. e. rice -0. 703 metric ton per acre. Annual food deficit ranges between 1. 5 2. 0 million metric tons. Frequent natural calamities like cyclone, flood, drought, tidal bore etc. add to the shortfall of crops and livestock. What this means is that only few portion of the country is available to support all residential and commercial uses. This equates to nearly 1800 people per square mile of land by 2020. Despite the mortgage crisis and resulting financial meltdown of the last several years, these statistics seem to indicate that owning real estate in Bangladesh will continue to be a wise investment. In the very basic economic sense, there is no more land being created (limited supply) and more population density every day (increased demand). ? Economy: Growth in FY2010 was better than expected in April 2010 in Bangladesh, as a pickup in domestic demand neutralized the impact of weak expansion in exports. Inflation came in below the April projection, and the current account surplus was higher. For FY2011, this Update retains the outlook of a moderate uptick in growth, but with a slightly lower forecast for inflation and a larger fall in the current account surplus. To raise growth prospects, power and gas shortages need to be eliminated and reforms accelerated. More fundamentally, political stability will be critical to boosting growth. The bank’s Monetary Policy Statement (MPS), issued in July 2010, indicated that there may have been some diversion of private credit into consumer spending and into speculative investments in the stock market and real estate. . So we are expecting that, the economic condition in Bangladesh will be much better for business. If we also consider the given figures the scenario will be clear more.

Jean Jacques Rousseau and Mary Wollstonecraft Essays

Jean Jacques Rousseau and Mary Wollstonecraft Essays Jean Jacques Rousseau and Mary Wollstonecraft Paper Jean Jacques Rousseau and Mary Wollstonecraft Paper Essay Topic: Bad Boy a Memoir Jean Jacques Rousseau and Mary Wollstonecraft were both born in the 18th century, within 47 years of each other, and both were regarded as important philosophical thinkers of their time. Jean Jacques Rousseau was born in Geneva, Switzerland in 1712; his father was a watchmaker and his mother died while giving birth to him. His father Isaac, who taught him to read, and appreciate the countryside, consequently brought up Rousseau. His father had to leave Geneva when Rousseau was 10 years old to avoid going to prison; he was then brought up by his aunt and later by an uncle. In his writings The Confessions he recalls only happy memories of his childhood, although to the reader it does have some strange features such as not being allowed to play with children of his own age, Never once, until I left my fathers house, was I allowed to run out alone into the road with the other children (The Confessions: Book 1, 1953, pp21). When Rousseaus father had to leave Switzerland, he was put into the care of his Uncle Bernard, who had a son of Rousseaus age. Together they were sent to a place called Bossey to board with a pastor called M. Lambercier, for an education. Up until this point Rousseau had had a childhood with no formal education at all. Rousseau also recalls his time at Bossey with fond memories, and claims; The manner of my life at Bossey suited me so well that if only it had lasted longer it could not have failed to fix my character for ever. (The Confessions: Book 1, 1953, pp25). After leaving Bossey and spending a few years living with his uncle, he was sent at the age of thirteen to be an apprentice engraver. He lived here for about three years before running away at the age of sixteen to travel across Europe, where he becomes a Catholic briefly before converting back to Protestantism. Rousseau ended up in Paris, leading a somewhat unsettled life, where he eventually died in 1778. He left behind him a cult following, his name and writings became infamous during the French revolution. Mary Wollstonecraft was born in 1759 to John Edward Wollstonecraft, who was a tyrant and a bully, and Elizabeth Dixon. She was the second child of six. She had an elder brother; Edward and four other siblings were born after her, James, Charles, Eliza and Everina. They were brought up as Anglicans. Wollstonecrafts paternal grandfather owned a silk weaving business, and her maternal grandfather was a wine merchant. In 1765 her paternal grandfather died leaving the silk weaving business to her father. However her father was a bit of a snob and he didnt care very much for being a tradesman, so he took the money from the business and invested in farming. This had disastrous consequences as her father knew nothing of farming, and the family spent their time moving from one farm to another, leaving their debts behind them. Between the years 1759 and 1776 they had moved about the country on numerous occasions and tried their hand at farming at places such as Epping, Whalebone, Essex, Yorkshire and Wales. By the end of the 1770s the family fortune was at very low ebb. In 1775 Mary Wollstonecraft met Francis (Fanny) Blood, who became her closet friend and companion until her death in 1785. Her mother died in 1782, and in 1784 Mary Wollstonecraft, her sister Eliza, and Fanny opened a new school in Islington, where they were joined by her other sister Everina. After Fanny Bloods death Wollstonecraft returned to find the school had suffered in her absence, so she closed it and turned her mind to writing by way of making a living. In 1786 she earned herself ten pounds after her first publication, which was a pamphlet entitled Thoughts on the Education of Daughters. Mary Wollstonecrafts life was changed, as was most of the world, by the French Revolution in 1789, and went to live in Paris in 1792 to witness first hand the effects of the French revolution. Wollstonecraft went on to produce many more important writings during her lifetime, one of her most famous being A vindication of the rights of women. Wollstonecraft died on 10th September 1797 of childbed fever 11 days after her second child was born. In 1798 William Godwin, her husband published a book called Memoirs of Mary Wollstonecraft, which seemed to have a negative effect on her popularity. Jean-Jacques Rousseaus ideas on childhood and education were considered quite revolutionary at the time, and even today they continue to be quite controversial. Rousseau was famous for being a social critic; he felt that social life corrupted human nature. Rousseau strongly believed that: We are all born good, but civilisation turns us all into moral slaves. (Lecture notes, 13/10/03) It is upon this belief that Rousseau wrote one of his most controversial pieces in 1762, which was a novel called Emile. This book was based on Rousseaus thoughts that people developed through various stages and that different forms of education may be suitable to each specific stage. Rousseau alleged it was possible to sustain the original nature of the child by careful control of his education and environment. This was done through a close investigation of the different physical and emotional stages through which the child passed from birth through to maturity. Geraint Parry mentions in the book Emile: Learning to Be Men, Women, and Citizens that: It is intended to portray an ideal of education that is as close to nature as it is possible to attain in the world as we now find it. (The Cambridge Companion to Rousseau, 2001, pp249) In Emile, Rousseau divides the childs development into five stages, and a book is devoted to each. The five stages are: Stage one Infancy (birth to two years), Stage two The age of Nature (Two to Twelve years), Stage three Pre-adolescence (Twelve to Fifteen years), Stage four Puberty (Fifteen to Twenty years) and Stage five Adulthood (Twenty to Twenty Five years). (www. infed. org) The books that are most fundamental to Rousseaus belief of childhood being a crucial phase of self-development are books one, two and three. Rousseau attempts to show the reader how a persons self-development can be determined by the way he is educated in his childhood. Rousseaus belief that society was corrupt fuelled his ideas on education. Geraint Parry mentions in Emile: Learning to be Men, Women, and Citizens that The significance of education for Rousseau is that it seems to offer a means of solving one of the central dilemmas of his social and political thought. A fundamental objective is to create a virtuous circle in which transformed human beings could live in a transformed society (The Cambridge Companion to Rousseau, 2001,pp248) Rousseau says in book one of Emile: We are born sensitive and from our birth onwards we are affected in various ways by our environment. As soon as we become conscious of our sensations we tend to seek or shun the things that cause them, at first because they are pleasant or unpleasant, then because they suit us or not, and last because of judgements formed by means of the ideas of happiness and goodness which reason gives us. (Emile, 2003, pp7) Rousseau backs this idea up when he writes his Confessions later in his life when he recalls some of his childhood memories, one in particular of his time at Bossey when he was chastised by Mlle Lambercier for a wrong doing and found that the experience of being beaten by her wasnt as bad as he had first thought it would be, and he goes on to say: Who could have supposed that this childish punishment, received at the age of eight at the hands of a woman of thirty, would determine my tastes and desires, my passions, my very self for the rest of my life,.. (The Confessions, book one, Penguin 1953, pp26) It is clear from Rousseaus writings that he strongly believed that Childhood is a crucial phase of self-development. Much of his work was read and admired by Mary Wollstonecraft. She was born nearly fifty years after Rousseau, but his writings on education were something that Wollstonecraft admired: the ideas she had begun to acquire about education, filtered down from Rousseau (The Life and Death of Mary Wollstonecraft, Claire Tomalin, Penguin 1992, pp49) Wollstonecraft was seen as very insightful, in the sense that she longed to bridge the gap between mankinds present circumstance and an ultimate perfection. She was beyond doubt, a child of the French revolution. She saw a new age of reason and compassion close at hand. Wollstonecraft, in her writings, attempted to undertake the huge task of helping other women. Helping them to fight for a better education did this. Which in turn helped them to achieve a better life, not just for themselves, but also for their children and even their husbands. In reality it took more than a century before society sat up and took notice of her beliefs and put her views into effect. Mary Wollstonecrafts experience in childhood and as a young woman, in a class-bound and male-dominated society, influenced and shaped the ideas she would later develop into a feminist argument. (A Vindication of the Rights of Woman, Penguin 1992, pp2) It is possible to see that Wollstonecrafts own childhood experiences have shaped her beliefs on childhood as a crucial phase of self-development. Unlike Rousseau, however Wollstonecraft is primarily concerned with the childhood and education of females. This is because in 1784 she opens a school for girls in Newington Green, near Islington. Wollstonecraft quickly became convinced that the young women they were trying to teach had already effectively been enslaved into submissiveness to men through their previous social training. As there were no qualifications that were needed to become a teacher sadly this venture failed, but it did lead her to start writing about her ideas on childhood and education, especially for women and girls. In 1786 Wollstonecraft was published for the first time. She earned herself ten pounds from the publication of a pamphlet called, Thoughts on the Education of Daughters. In this publication she proposed to intentionally explore the enlightenment ideals to include education for women; because she believed their rational natures were no less capable of intellectual achievement than were those of men. Wollstonecraft was for a short time a Governess to the Kingsborough family in Ireland. The position of a Governess was a hard one. She was employed to bring up the children of the Kingsborough family. Wollstonecrafts experiences in her childhood and as a young adult no doubtedly had an effect on her ideas about childhood being a crucial phase of self-development. In the introduction to A Vindication of the Rights of Woman it states; Mary Wollstonecraft may have been recalling her own childhood when her narrator in Maria The Wrongs of Woman says that her mother was a vague and uncertain figure. She seemed to dote on her oldest son, a boy, (Penguin 1992, pp3) it is clear from this quote that Wollstonecrafts childhood experiences, especially those with her mother and father have stayed with her into her adult life. It has shaped her very ideas and thoughts on how parents should show affection and bring up their children. She has dedicated a whole chapter to Parental Affection in her book A Vindication of the Rights of Woman. Wollstonecraft writes very clearly about parental affection, and she also makes it clear where she believes parents are going wrong with their children; Parents often love their children in the most brutal manner, and sacrifice every relative duty to promote their advancement into the world. (Penguin 1992, pp270), Wollstonecraft is trying to make the point to her readers that the child will only suffer if it is brought up in this manner. The parents will rob the child of the vital stage of having a proper childhood if they neglect everything else while pushing their children to become the child genius they dream of them becoming. Wollstonecraft goes on later in the chapter to describe the qualities of a good mother, which she lists as; To be a good mother, a woman must have sense, and that independence of mind which few women possess who are taught to depend entirely on their husbands. (A Vindication of the Rights of Woman, Penguin 1992, pp272), Wollstonecraft is trying to reiterate that to have any hope of being a good effective mother, a woman must be in possession of good sense and have her own mind. A woman must also be independent from her husband, Wollstonecraft felt that if a woman relied too much on her husband it would effect her abilities as a mother, this is backed up by what she states later in the chapter; Meek wives are, in general, foolish mothers; wanting their children to love them best, and take their part, in secret, against the father, who is held up as a scarecrow. (A Vindication of the Rights of Woman, Penguin 1992, pp272). In conclusion it is clear to see from both Jean-Jacques Rousseaus and Mary Wollstonecrafts writings that they both believed that childhood was a crucial phase in a persons self-development. It was important for them to try to relate their beliefs to the general public which is why they emphasise it in their books, and also the reason that they write about it so successfully is because of their own personal experiences in their own childhood which seems to have provided them with a solid base to work upon in their adult life.

Wind Technology essays

Wind Technology essays Since early history, people have been harnessing the energy of the wind. Wind energy propels boats along rivers, simple windmills, and pumping water as early as 5000 B.C. New ways of using the energy of the wind eventually spread around the world. By the 11th century, people in the Middle East were using windmills extensively. Settlers took this new technology to the New World in the 19th century. They began using windmills to pump water for farms and ranches, and later, to generate electricity for homes and industries. In the 1940s large wind turbines began to operate small industries. Wind turbines fall into two basic categories, the horizontal-axis variety, and the vertical-axis design. Modern wind turbines take advantage of many of today's high-tech technology uses such as aerodynamics, engineering, and electronics. Wind turbines that are grouped together are called "wind farms", and generate a lot of bulk electrical power. Wind farms are in a variety of sizes and power ratings, depending on the location of where the farm is located. Some of the wind turbine propellers can span more than the length of a football field, and can stand up to twenty stories high, which creates enough electricity to power 1,400 homes. Some of the smaller turbines are 8-25 feet in diameter, and stand up to approximately thirty feet tall, which supplies the electrical needs of a small business or an all electric home. Constructing electric-generating wind turbines, regardless of the shape or size, consists of the rotor, the electrical generator, a speed control system, and a tower. Some wind turbines have the options of fail-safe shutdown systems. Fail-safe shutdown systems are designed to turn the blades out of the wind, or simply "put on the brakes" in the event of a mechanical failure. Wind energy is abundant throughout the United States. Characterized by wind-power density classes, ranging from the lowest c ...

Using the Spanish Verb Sentir

Using the Spanish Verb Sentir Sentir is a very common verb that typically means to feel. It usually refers to feeling emotions, but it can also refer to physical sensations. The Difference Between Sentir and Sentirse Sentir commonly appears in the reflexive form sentirse. The difference in using sentir and sentirse is that sentir is typically followed by a noun, while sentirse is followed by an adjective or adverb describing how a person feels. Otherwise their meanings are essentially the same. Here are some examples of sentir used to describe emotional feelings: El atleta dijo que sentà ­a alegrà ­a y satisfaccià ³n por el logro del campeonato. (The athlete said he felt joyful and satisfied about attaining the championship.)Siento pena y tristeza por ello. (I feel shameful and sad about it.)Se siente feliz por ser abuela. (She feels happy about being a grandmother.)Me siento enojada y frustrada. (I feel angry and frustrated.) Here are examples of sentir being used with physical sensations. Although in most of these cases you could probably translate sentir as to sense, usually it would be better to translate based on the context: Puedo sentir pasos en la azotea. (I can hear footsteps on the roof.)Él me dijo que sentà ­a olor a muerte. (He told me he smelled death.) When sentirse de refers to a body part, it usually indicates the sensation of pain: Me siento de la cabeza. (I have a headache.) Standing by itself, sentir can indicate sorrow or regret: Lo siento mucho. Im very sorry. Using Sentir in Phrases It is common to use sentir as part of a phrase. Although you may not use feel in the most natural translation, often you can determine the meaning of the phrase from the individual words. Some examples: sentir algo por una persona (to have love or similar feelings for someone): Decirte que ya no siento algo por ti serà ­a mentir. (To say I no longer have feelings for you would be lying.) sentir celos (to be jealous): Cree que sà ³lo sienten celos las personas inseguras. (She believes that only insecure people have jealousy.) sentir culpa, sentirse culpable (to feel guilty): No sentà ­a culpa por lo que acababa de hacer. (He did not feel guilty for what he had just done.) sentir ganas de infinitivo (to feel like doing something): Siento ganas de llorar cuando pienso en el accidente. (I feel like crying when I think about the accident.) sentir que (to be sorry or sad that): Siento que mi color de piel ha cambiado. (I am sad the color of my hair has changed.) hacer sentir (to cause a feeling in someone): A veces nos hacemos adictos a alguien que nos hace sentir bien. (Sometimes we become addicted to someone who makes us feel good.) sin sentir (without being noticed): Tomà © la medicina sin sentir ninguna diferencia en mi vida. (I took the medicine without noticing any difference in my life.) This phrase is sometimes best translated literally:  ¿Cà ³mo es posible que te lo diga sin sentir? (How is it possible that she told you that without any feeling?) Using Sentir as a Noun Sentir also can be used as a noun to refer to feelings or sentiments: El sentir y el pensar son dos funciones de la mente. (Feeling and thinking are two functions of the mind.)El presidente representa el sentir del pueblo. (The president represents the feelings of the people.)Tenà ­a una vida dedicada a la promocià ³n del sentir indà ­gena. (He had a life dedicated to the promotion of indigenous sentiment.)Las almas no nos permitieron matar sin sentir. (Our souls did not allow us to kill unfeelingly.)Entiende muy bien el sentir de la calle. (He understands very well the feelings on the street.) Conjugation of Sentir Keep in mind that sentir  is irregularly conjugated. When it is stressed, the sent- of the stem changes to sient-, as in siento, I feel. And in some but not all forms, the stem changes to sint-, as in sintià ³, he or she felt. Unfortunately, this second stem change doesnt occur in a predictable way. The conjugation pattern is shared by about three dozen other verbs. Among them are consentir (to allow), convertir (to change), mentir (to lie), and preferir (to prefer). Also, the conjugated forms of sentir overlap with those of sentar, which means to sit. For example, siento can mean either I feel or I sit. This overlap is seldom a problem because the two verbs are used in such different contexts. Key Takeaways Sentir is a common Spanish verb that typically means to feel, especially in an emotional or mental sense.There is usually little difference in meaning between sentir and its reflexive form, sentirse.Sentir is conjugated irregularly in that its stem sometimes changes to sient- or sint-.

Integrated marketing strategy Essay Example | Topics and Well Written Essays - 1250 words

Integrated marketing strategy - Essay Example ecognize the proper media option in relation to communication objectives in order to facilitate customers with the actual information regarding the products and services (Percy, 2008) Contextually, the competitive market of automobile industry reveals that companies are currently facing various problems while launching new products in the market. In relation to this aspect Zamada Motor Company from Japan should consider certain strategies prior to the final launch of its products in Eastern region of Canada in relation to IMC. It is in this context that adequate significance towards the IMC approach shall enable Zamada in obtaining greater competitive advantages when introducing its â€Å"2.2† model car in Eastern Canada over its major rivals including Mini, Fiat, Ford and Toyota among others. With the intention to gain competitive advantages and better return from its diversity planning, i.e. the launch of â€Å"2.2† model car, Zamada has been targeting customers aged between 22 years to 34 years, irrespective of their gender based classification. However, for female customers, the age bar has been relaxed upto 45 years. Hence, it can be affirmed that Zamada has been primarily targeting towards the female group of customers belonging to the age group of 22 years to 45 years in order to gain competitive advantages over the available substitutes. Hereby, the sole intention of this particular marketing approach should be augmenting customer awareness regarding the brand and subsequently, increase their preferences towards Zamada through effective IMC strategies. It is worth mentioning in this context that IMC is a multidimensional approach which functions on the basis of various channels, such as direct selling, audio-visual communication channels, personal selling, and public relations among others. However, concerning the objectives of Zamada in launching a new car model as well as its targeted market segment, the channels that can be beneficial f or its IMC program are advertizing, public relation and interactive marketing (RD Marketing, 2011). With the help of the selected communication channels, Zamada shall be able to develop adequate awareness among the potential customers. Stating precisely, advertising through print, audio and audio-visual media is considered to reward better accessibility to the potential customers in the modern day context which certainly increases the chances of generating increasing sales through effective brand awareness. Similarly, effective concern towards public relation has often been regarded to be virtuous in yielding satisfactory customer loyalty towards the brand developing effective customer relationship. Nevertheless, interactive marketing assists in obtaining an in-depth understanding of the requirements and perceptions of the customers which further assists in

Law HW week 4 AM Essay Example | Topics and Well Written Essays - 250 words

Law HW week 4 AM - Essay Example It is important that every society is economically stable as this will facilitate the circulation of revenue and other economic advances. Acquiring the property and utilizing it in a manner that promises economic benefits for those who dwell in and around it is, as a result, constitutional. It does not violate the takings clause found in the fifth amendment of the constitution. Revitalizing the economy of the distressed city will serve to benefit the greater public in aspects such as the provision of jobs and taxes for the city government as well as improving the general welfare of the people. The Fifth Amendment law recognizes the acquisition and utilization of property if it promises to benefit the public in such a manner. The law also recognizes the importance that the property bears to their owners and, for this reason, asserts that the urban authority should give them a just compensation. The assurance that seizure of the property by the City of New England will result in many benefits for the public renders the urban authority’s invocation of the power of eminent domain

REPORT Essay Example | Topics and Well Written Essays - 2000 words

REPORT - Essay Example Staff at the restaurant should address customers politely avoiding stereotypes along race or class. The FAMM model The Five Aspects Meal Model refers factors that play an important role in the restaurant to make the meal experience an entire process. These factors include the room, the meeting, the product, the management control system and the atmosphere. The meeting Service and service quality is considered as a ‘meeting’ depending on the way that the customer is treated. To understand the value of the meeting, a restaurant staff needs to have knowledge of social psychology and rules of etiquette. Higher education is vital for service staff to exhibit mature social interaction in the restaurant. Service staffs make the major contact between a client and the restaurant. A waiter should to explain to the client what is in the menu and the preparation time of meals in a friendly manner. Arrogant waiters can make the whole dining experience very boring to the client. Waite rs should also understand that customers might elevate their own social status in a restaurant. A customer can pretend to be successful and rich. (Kivela, 1994, pp 24).Waiters should be able to assist customers who are less experienced in hotel dining. A waiter who is more helpful than arrogant to an ignorant client will help the restaurant obtain a good reputation.(Finkelstein,1989, pp 34). The room Many meals are consumed in a room. The person offering meals in a commercial setting should improve the eating environment to meet the client’s needs in the best way. Decoration of the room should take into consideration aspects such as style, history of the room, and the design of the room. The created eating environment in a restaurant setting is called a ‘service scape’ (Bitner, 1992, pp102). Modification of the context of a room can influence our taste of wine (Hersleth et al., 2003, pp54). The beliefs and past experiences of a client while consuming food in the same environment changes depending on the context of the eating. Meals need to be in agreement with the overall style of the restaurant (Bowen &Morris, 1995, pp56).Restaurant interiors should also be in agreement with the type of food offered. The product The product component is made of the foods and beverages served in a restaurant including their combination. Waiters in a restaurant are able to use their theoretical and practical knowledge of food and drink to suggest on choice of wine and food. The main purpose of having immense knowledge of food and beverages by the customer is to be able to satisfy the client’s need for the perfect combination of food and beverages. A study by (Nygren, 2004, pp98) has shown that sometimes food and wine combinations fit together but occasionally they do not .The visual effect of the product also has an effect on the restaurant experience of the customer. A study by (Warde and Martens,2000pp210) shows that visual effect played a vital rol e in creating success for the restaurant. In some extreme cases, the appearance of the dish was an indicator of whether the restaurant had succeeded. The taste of the food should meet the expectation of the client.( Fine, 1992,pp104).Consumers of readymade food for example expect their food to taste good .Sensory characteristics of food is vital in any restaurant. The management control system. Leadership and economic issues are under the

Life wk4 Essay Example | Topics and Well Written Essays - 1250 words

Life wk4 - Essay Example Imagine a vibrant girl child who comes into the world who learns to walk early and begins their first words. She does well for the first few years of her life and then she finds out that she was born into a society where girls are not equal to boys. I wonder what that realization does to her psyche and to her development. Another questions comes to mind in thinking about how much we change the way infants think. Are we changing the personalities they came into the world with initially? There are many books that tell us about how we develop our personalities. As an example, Roberts (1994) states: "You form the fabric of your experience though your own beliefs and expectations" (p. 16). If this is true, does an infant begin to form their beliefs and expectations as soon as they are born? Does this affect their cognitive development as well as their physical development? Do we push children to develop in certain ways that are against who they really are? Do we convince infants to adapt rather than to use their instincts positively? If so, then what are we missing from our infants personality because we have the need to make and shape them so

What leads otherwise law abiding people to engage in mass Essay

What leads otherwise law abiding people to engage in mass state-prescribed violence - Essay Example These countries have inadequate forms of governance that push people into creating rebellions, which leads to anarchy in some regions. Such regions have their law of survival, whereby only the strong have a chance of survival (Chambliss, 2010). The state-funded or state-influenced forms of violence include internal conflicts, ethnic violence, nationalist violence, religious violence, terrorism, torture, and genocide. Most of these crimes can are avoidable and pointless. Necessity and failure of fulfillment of promises by the concerned governments and their representatives or officials drive them. People get into situations where they cannot live in harmony since they all need the resources, which are scarce or are inadequate for the people. It might also be a case where some people are favored over others, leading to hatred and jealousy for the favored group. Seemingly law-abiding people then get pushed to the edge of retaliation, which leads to violence and end up in revenge attacks, creating a conflict altogether. The conflicts can sometimes get awful, culminating in the deaths of many innocent adults and children, among other crimes that often result from conflicts such as looting. There are a number of reasons why honest and loyal citizens end up committing violent crimes. One of the reasons for violence as fuelled by the state is poverty and inequality. The poverty levels of people and the increasing cost of living lead people into fighting for the little available resources. These poverty rates also force people to steal so as to feed themselves. To consider such cases of theft as mass actions of violence, they involve deaths of many people, both young and old. Cases that experience such violence include the theft of domestic animals, especially cattle, in most parts of Africa. These animals are sources of wealth, and one’s poverty pushes them into cattle rustling.

Life wk4 Essay Example | Topics and Well Written Essays - 1250 words

Life wk4 - Essay Example Imagine a vibrant girl child who comes into the world who learns to walk early and begins their first words. She does well for the first few years of her life and then she finds out that she was born into a society where girls are not equal to boys. I wonder what that realization does to her psyche and to her development. Another questions comes to mind in thinking about how much we change the way infants think. Are we changing the personalities they came into the world with initially? There are many books that tell us about how we develop our personalities. As an example, Roberts (1994) states: "You form the fabric of your experience though your own beliefs and expectations" (p. 16). If this is true, does an infant begin to form their beliefs and expectations as soon as they are born? Does this affect their cognitive development as well as their physical development? Do we push children to develop in certain ways that are against who they really are? Do we convince infants to adapt rather than to use their instincts positively? If so, then what are we missing from our infants personality because we have the need to make and shape them so

IRIS module Essay Example | Topics and Well Written Essays - 500 words - 1

IRIS module - Essay Example As the principal, she is held accountable for the outcome; an issue that seems to have confused her, she doesn’t know where to begin. The results have created trouble for the institution as could be read from Ms. Flores statement. Examination or test scores that are used to determine sanctions or punishment in general, accolades, graduation or promotion for students and compensations best describe what high stakes are. According to Ms. Flores, the tests were meant to be used in determining the best school at the district level and grading for students. It was an important decision; knowing the best school in terms of academic performance and accountability for the school administrators. The test was also to be used for promoting students to the next level; that is indicated when she categorically stated that students with disabilities are going to be left behind. These are the reasons why she (Ms. Flores) describes the testing as high stakes. High-stakes testing are relevant to both general students and students with disabilities. However, knowing the weakness in a student with a disability may be difficult compared to general students (students without disabilities). The test will enable the teachers to know the weakness in the students and come up with appropriate solution to help them improve. The test helps in measuring how well the students with disabilities learn; therefore can be used to strengthen and improve overall academic standard of the institutions. It is the responsibility of every teacher to ensure that the student get the required knowledge in the classroom. In this case, the teacher is responsible for the students’ performance since he/she is authorized to give the knowledge. The process of giving the knowledge to the student is done through following the accepted professional standards that meet the demand of accountability. The teachers

Should Abortion Be Illegal or Legal Essay Example for Free

Should Abortion Be Illegal or Legal Essay Whether or not abortion should be illegal or not is a very controversial issue. Abortion is a very personal matter and people have many different opinions about it. Reasons for or against an abortion could be rape, money issues, religious views, and or young motherhood. An argument for the prolife side would be that life begins at conception. With that being said some people would consider it murder and an act of taking a life if abortion was chosen. On the contrary to that point would be that almost all abortions happen in the first trimester, when the fetus can’t exist and isn’t alive yet. Most women (88 percent) who get an abortion have it done in the first trimester. Some people would consider abortion a safe medical procedure. Studies have shown that there’s only a 0. 5 percent risk of any serious medical complications as well as any problems with future pregnancy. Some people would argue against that saying that having an abortion would cause depression and stress. Also it’s been said that having an abortion would lead to a greater risk of a miscarriage and pelvic inflammatory disease. For the cases of rape and incest, there’s the 72 hour pill that can be taken or other medical care that can be taken to ensure no pregnancy will happen. Some teenager’s though can’t get their hands on the pill because you have to be eighteen or older to get it. Most teens wouldn’t have been financially prepared for a child or be able to get their hands on contraceptives. People with religious views can be against abortion and argue that a child is god’s gift and shouldn’t be tampered with. Tampering with â€Å"A creation of God† would lead to unwanted memories. To argue with that statement, some people don’t believe in God and don’t have any religious views. Therefore, tampering with â€Å"God’s gift† by getting an abortion can’t be proven cause there’s no scientific evidence of a God. Another against abortion argument could also be that if abortion is illegal that means there would be more â€Å"back alley† abortions. Back alley abortions can kill the mother or cause plenty complications. The contrary to that point would be that there’s plenty of other ways to get rid of your baby. Also, people think abortion shouldn’t be used as a form of birth control. Its said to be better for society to have babies aborted instead of having them be raised poor, where the child will suffer and be put through problems, and do crimes. There are many couples in the world who want to adopt a child, and have been waiting for years. Those children who are adopted have a chance to do good in life and succeed. In conclusion, there are many different viewpoints on whether abortion should be legal or illegal. Some people think that it’s a woman’s body, and nobody should be able to tell her what to do with her baby. While others think that having an abortion is murder no matter what the circumstances are. One thing is for sure though, not everyone will agree on a decision one-hundred percent.

Social Inequality and Exclusion Knowledge in Social Care

Social Inequality and Exclusion Knowledge in Social Care How can a knowledge of social inequalities and social exclusion assist social workers in their practice? In some respects the topic of this essay reflects both the heart and core of the philosophy behind social work. There are some who would argue that it is the recognition and appreciation of the inequalities of society that are the driving force behind most of the social legislation in this country today. (Powell, J et al 1996). The definition of social inequality can be made on many different levels – philosophical, intellectual, socio-economic, cultural and health related, to cite but a few and a complete discussion is clearly beyond the scope of an essay such as this. In the same way social exclusion can be due to a myriad of causes – cultural, religious, behavioural, criminal, socio-economic, age, immobility and illness are a few of the more common factors. The fact of the matter is that in practical terms, both social inequality and social exclusion tend to overlap a great deal and in many cases, one is the cause of the other. (Lovelock, R et al 2004) Because it is completely impractical to consider all of the possible causes of both social inequality and social exclusion we shall approach the issue by considering a number of different examples and discuss them in the context of the question. In general terms, disability (both physical and mental) is a major cause of both these phenomena. We shall begin by considering the impact that disability has on both social inequality and social exclusion. To it’s credit, the Government has recently taken a number of steps to try to combat the inequality and the exclusion elements that are inextricably linked with disability. In order to be technically correct on the matter, we should note that the World Health Organisation actually subdivides the term â€Å"disability† into three different elements Problems in bodily function or structure, which they used to call impairment; problems relating to activities, or disability; and problems related to social participation, which they called handicap. (Ramcharan P et al 1997) For our purposes however, such a definition is hardly helpful in terms of examining the problems of the disabled. We would suggest that a definition in social terms is probably far more practical. Some commentators (Clasen J 1999), have observed that: The treatment of disability as if it was a single problem may mean that disabled people receive insufficient or inappropriate assistance. The problems that disabled people have in common are not so much their physical capacities, which are often very different, but limitations on their life style. In the context of this essay Goodin (et al 2000) adds the observation that: Their income tends to be low, while disabled people may have special needs to be met which require increased expenditure. Socially, disabled people may well become isolated, particularly as their health declines and they struggle progressively to manage on the resources they have, and they may be socially excluded. For our purposes in this essay we shall use the word â€Å"disability† in its English grammatical sense (a la Clasen and Goodin) rather than in the narrower WHO definition above. Perhaps the first observation that we should make, is that disability, or the perception of disability, is very culturally dependent and to some extent is culturally determined. The cynic might suggest that the stereotype caucasian British white male might consider that a disabled person is the responsibility of the social services and the state, who can look after him, provide him with carers and organise a regular income in the form of some type of protected benefit. Equally, the stereotypical Asian family might consider the disabled family member to be the responsibility of the family itself and would only look to the state for advice and resources. Clearly both of these stereotypes are cartoon exaggerations of the reality of the situation, but we use this to illustrate the cultural elements of the expectations of both the disabled person and their families or carers. In the context of our considerations here, we need to consider how a knowledge of the social inequalities and social exclusion can assist the social worker in their practice. In order to do this in the specific area of disability, we should examine The Disability and Discrimination Act (1995). Many would argue that this has been a piece of legislation that was long overdue as it addressed a need that has been demonstrably present from time immemorial (Baldock J et al 1999). The fact of the matter is that the ability to discriminate on the sole grounds of race has been illegal in the UK for a considerable time. As Spicker (P 1995) has observed: The ability to discriminate on other, arguably more fundamental features of existence, still remained an option that did not have the sanction of the law. In this respect, the Act has proved to be a valuable piece of legislation as it has helped to directly tackle many of the areas of social inequality and social exclusion. Many consider the Act to be simply aimed at the discrimination practices that were rife in the workplace, but the reality of the situation is that it is, in real terms, a far reaching piece of legislation which has implications for most areas of society and social interaction (Alcock P, 2003). The social worker will clearly need to have a working knowledge of the provisions of this Act if they are to be able to function effectively in this particular area. The social worker, in their daily practice, may very well come across clients with disabilities of various types, and these clients may look to them for help, support and guidance if they have an appreciable element of social exclusion in their lives. We can point to research which shows that the disabled have a substantial burden of discrimination when it comes to employment. (Chapman P et al 2004). Jowell (R et al 1998) demonstrated a 7 fold increased incidence of unemployment when compared to their able bodied counterparts. It generally follows that greater levels of unemployment are associated with lower levels of income and this, in turn, is associated with greater levels of social exclusion (McKernan SM et al 2005), The professional approach of the social worker will be to assess all of the possible factors that may contribute to their isolation and consider practical ways of breaking down the barriers to inclusion, whether they may be in the workplace, on the social front or even in terms of simple physical mobility. (Haralambos M et al 2000) Another major area of social inequality, which again has repercussions on social exclusion, is the area of health in general. In this context the (then) Health Secretary, Frank Dobson, made the very pertinent comment : Inequality in health is the worst inequality of all. There is no more serious inequality than knowing that you’ll die sooner because you’re badly off (Dobson 1997) There is a direct and demonstrable link between social depravation and ill health. It follows from this that social inequalities have a direct effect on both morbidity and mortality. This is most marked in the children from deprived backgrounds. (Black 1980) The Black report (cited above) was largely adopted and expanded in the publication of â€Å"The Health Divide† (Townsend Davidson 1988), which further quantified the areas of social inequalities as manifested in morbidity rates in the population and correlated them to social stratification. The Report came to the conclusion that these social inequalities were not being adequately addressed either by the Health Authorities or the Social Services. These identified inequalities later emerged, further modified, in a document â€Å"Independent Inquiry into Inequalities in Health† ( IIIH 1998), and were associated with 39 separate recommendations. These were subsequently criticised for a lack of prioritisation, (McKernan SM et al 2005), where† the fundamental role of poverty was lost in a sea of (albeit worthy) recommendations ranging from traffic curbing to fluoridation of the water supply.† Obviously, the findings of this succession of reports does not only impact upon the Social Services, it equally impacts upon other providers such as the Health Service and indeed the Government itself. We have examined two specific areas of the whole picture of social inequality, and it is prudent to also consider an overview before leaving this area. The trend to socio-economic inequality can be considered to be either rising or falling depending on which criteria of assessment one takes. If we consider the number of people who are living in low income households, there has been a measurable downward trend in the last decade, this is partly due to the fact that there are progressively fewer people in workless households (Chapman P et al 2005) Equally, if one considers the number of families on out-of-work benefits, this has risen by 30% in the last 6 years (JRF 2005) If one considers the impact of the association of low income and increased morbidity, then we can cite studies that show that there has not been any significant reduction in these health related inequalities in the last 9 years. (McKernan SM et al 2005). There is also the geographical factor. We can show that virtually all the indicators of both social socio-economic inequality and social exclusion are more prevalent in the north-east of the UK and they tend to progressively reduce as one moves towards the south-west. The only notable geographical anomaly in this respect is London which has a peak of low income and unemployment problems and Scotland which has a peak in health-related issues. (JRF 2005) In conclusion, although it is accepted that we have only examined a few small facets of the whole potential area related to both social inequalities and social exclusion, we would suggest that we have presented sufficient evidence to be able to suggest that the social worker cannot reasonably be expected to practice in the modern environment without a thorough knowledge and appreciation of these factors. It is not so much a case of â€Å"Does this knowledge assist the social worker in their practice?† but â€Å"This knowledge is essential to be able to practice effectively.† References Alcock P, 2003,  Social policy in Britain,  Macmillan 2003. Baldock J et al 1999,  Social Policy,  Oxford University Press 1999 Black report (The) 1980,  DHSS,  HMSO: London 1980 Chapman P, Euan Phimister, Mark Shucksmith, Richard Upward and Esperanza Vera-Toscano, 2004,  Poverty and exclusion in rural Britain: The dynamics of low income and employment,  Joseph Rowntree Foundation, Prentice Hall : ISBN1 899987 67 3, Clasen J (ed) 1999,  Comparative social policy: concepts, theories and methods,  Blackwell 1999   Dobson F 1997,  Department of Health: The NHS Plan. A Plan for Investment. A Plan for Reform. Cm 4818.  London: The Stationery Office 1997 Goodin R, B Headey, R Muffels, H-J Dirven, 2000,  The real worlds of welfare capitalism,  Cambridge University Press 2000. Haralambos M, M Holborn 2000,  Sociology: themes and perspectives,  Harper Collins 2000. IIIH 1998,  Independent Inquiry into Inequalities in Health (1998),  Department of Health,  HMSO: London 1998 Jowell R, J. Curtice, A. Park, L. Brook, K. Thomson C. Bryson (eds.) 1998,  British and European Social Attitudes: how Britain differs. The 15th BSA Report,  Ashgate Publishing, Aldershot. (1998) JRF 2005,  Low pay, and poverty,  Joseph Rowntree Foundation, Prentice Hall: 2005 McKernan SM, Ratcliffe, C 2005,  Events that trigger poverty,  Social Sceince Quarterly Vol. 86, Number 5, December 2005, pp. 1146-1169 (24),  JRF 2005 Millar J and Karen Gardiner 2005,  Low pay, household resources and poverty,  Joseph Rowntree Foundation, Prentice Hall: ISBN 1 85935 257 X Townsend Davidson 1988,  The Health Divide,  London: Penguin Books 1988 Ramcharan P et al 1997,  In: Empowerment in Everyday Life: learning disability, Jessica Kingsley (EDS),  Oxford University Press 1997 Lovelock, R. and Powell, J. (forthcoming, April 2004), ‘Habermas/Foucault for social work: practices of critical reflection’, in Lovelock, R., Lyons, K. and Powell, J. (eds), Reflecting on Social Work – Discipline and Profession, Aldershot, Ashgate, pp. 183–225. Powell, J. and Lovelock, R. (1996), Reason and commitment: is communication possible in contested areas of social work theory and practice?, in Ford, P. and Hayes, P. (eds), Educating for Social Work: Arguments for Optimism, Aldershot, Avebury, pp. 76–94. JRF 2005,  Joseph Rowntree Foundation 2005 April 1998 Ref 418 Poverty and exclusion in rural Britain: the dynamics of low income and employment

Spotted Horses vs. Mule in the Yard :: essays research papers

'Spotted Horses'; Vs. 'Mule in the Yard';   Ã‚  Ã‚  Ã‚  Ã‚  William Faulkner wrote two short stories, which are alike in many aspects. 'Spotted Horses'; and 'Mule in the Yard'; are short stories that both involve comic animal chases and financial transactions. Even though the stories are written by the same author, have similar characteristics, and share similar plot features, they are entirely different stories. The stories are both examples of interpretive literature, however 'Spotted Horses'; is a more interpretive short story than 'Mule in the Yard because 'Spotted Horses'; fits Perrine's profile of interpretive literature, and 'Mule in the Yard'; seems to replicate Perrine's profile of escape literature.   Ã‚  Ã‚  Ã‚  Ã‚  According to Laurence Perrine in his seventh edition of Literature: Structure, Sound and Sense he states the definition of interpretive literature is 'Literature written to deepen and broaden and sharpen our awareness of life.'; Interpretive literature is not candy coated. It allows its readers to experience the trials and tribulations of life. By using graphically realistic plots and endings, which are consistent to those in real life, interpretive literature achieves a higher literary value than escape literature. Interpretive literature allows its reader too step out of the fantasy world they might be living in and focus on what the world is really about. One might say an interpretive story provides insight to understanding. Not only understanding of ourselves, but our neighbors, friends, family or anyone else we might encounter.   Ã‚  Ã‚  Ã‚  Ã‚  Escape literature is the complete opposite of interpretive literature. Escape literature is written purely for entertainment. Escape literature takes it's reader out of the real world and into a fantasy world where everything works and happens just like we want it to. This is a world where the ending always has closure. Escapist authors hardly ever end on a bad note. They want the reader to leave the pages of their story satisfied, and having a sense of contentment. Perrine's example of escape literature is Cinderella. Cinderella's life goes from rags to riches in one night. She marries a prince and lives happily ever after. According to Perrine the most common expectations of escape literature readers are the sympathetic heroes or heroines, the suspenseful plot which one exciting event proceeds another, the resolved happy outcome, and the theme. Escape literature themes confirm the reader's previous opinions of the world. Readers of escape literature read for ple asure not to gather knowledge on how to survive in the real world.

A Scene from the Diving Bell and the Butterfly

â€Å"There’s nothing creative about living within your means. † – Francis Ford Coppola. What Francis is saying in this quote is that creativity is essential for film production. When we taped our scene The Outing from The Diving Bell and the Butterfly creative ideas were always taken into contemplation. Weather it would be the surroundings of the film, the dialogue, or the way we made Jean Bauby be perceived, imagination was key in our production process. One of our film techniques was scenery. We found it best to begin our film with the lonely hospital setting. For our viewers, this made the film seem more isolated and secluded. We wanted this affect for our audience because in the actual story, Jean was sad and sheltered from his surroundings, just like you would be in a hospital when you are not able to take care of yourself. Imagery is what creates the vivid representation in our minds by playing on the senses. Dialogue, also know as script, was very important when making our film. Dialogue prevents accidents, sets goals, and scripts help communication and streamline revision. With the use of this filming concept, our group easily accomplished the task of filming all our scenes in an organized fashion with no problems. Our group never came across the struggle of knowing what we were going to film before we actually filmed it. Perception was furthermore a key ingredient when constructing our scene. We created the clip from our understanding of the authors writing. My group had to go though the process of taking the actual text, forming an image in our minds, and then be able to take all of our different creative ideas and make it into a film. This was challenging but then again, through the use of a storyboard, this process became straightforward. With the thorough development of our motion picture, many various film techniques helped us with the theme and overall conception of our clip. In the end, our group easily took written concepts and formed them into an image in which we then filmed. Weather it would be the surroundings of the film, the dialogue, or the way we made Jean Bauby be perceived, imagination was key in our production process, all of these factors came into play during the final stages of not only making our film, but teaching us how we used what we learned to make a final product from it.

Philippines and Mayor Vice Mayor

Antonio Pigafetta Magellan's Italian expeditionary ethnographer, went ashore in 1521 to parley with the ruler of Limasawa, they sat together in a boat drawn up on shore which Pigafetta called a balangai Barangay/ Balangai Word for boat also being used for the smallest unit of Tagalog society Barrio Colonial term, a political unit loyal toa local boss Heroic Leadership This perks up their readiness to serve the people's needs, whether prioritize as egular or urgent. Ferdinand Magellan A Portuguese born leader of five Spanish ships, stumbled onto islands in 1521 in his search for the lucrative spices of the Indies Enrique Slave of Magellan who returned to Spain to complete the first circumnavigation of the globe Reduccion Barangays were coaxed or coerced into towns (cabeceras) organized around a newly built church with a resident friar Visitas Small outlaying settlements equipped with a chapel to receive a visiting friar Reduccion Cabeceras District capitals Poblaciones Towns Barrios/B arangays Villages SitiosHamlets Bajo de la campana Under the church bells To bring all indios into Christian communities balo de la campana and to accurately count the population in order to collect the tribute, the combined goals of church and state carried under friar supervision. Muros wall Intramuros (Inside the wall) Were hordes of Spaniards, leading indios, and important institutions of church and Lived non-Christians, dispossessed datus at odds with the new order, and Chinese as well as foreign communities. Encomiendas Granted by King Philip II Wich is the administrative right to collect tribute and draft abor from among the inhabitants of a defined geographical area, along with the responsibility to protect them and provide religious instruction. Polo y servicios Mobilized by the cabeza de barangay.The compulsory 40-day labor per year rendered by tribute payers to the state Servicio Was performed by men and women and consisted largely of domestic service in churches and conv ents Polo Was hard labor performed by men: constructing government buildings and churches

Constraints in Popularising Debit Card

A SUMMER PROJECT REPORT ON Constraints in Popularization of Bank of Baroda Debit Card By PRAVIN MANDORA [pic] STEVENS BUSINESS SCHOOL A report submitted in partial fulfillment of the requirements of MBA Program Submitted to Bank of Baroda Acknowledgement The completion of any task depends upon the co-operation, coordination and consolidated efforts of several resources of knowledge, energy, and time and above all the proper guidance of the experienced bankers. Therefore I approached this matter of Acknowledgement through these lines trying my best to give full credit where it deserves.I wish to express my gratitude to our institute, which has provided me the opportunity to fulfil the most cherished desire to reach my goal. I am thankful to all those who generously helped me to compile this project with their knowledge and expertise. Firstly I owe a great debt to, STEVENS BUSINESS SCHOOL for obliging the project, thus giving me chance to broaden my horizon and providing me all necessa ry resources in college to assist me in the project. Also I owe a great debt to Mr. B. N. Menon, Sr.Manager (IT) of Bank of Baroda who has been nominated as mentor for my project and also thankful to all staffs of BOB as well as Head Office of Bank of Baroda for providing me the necessary guidelines regarding the project, for helping me to track the first hand information and supporting me in the carrying out the project successfully. As well as reposing a belief in me, this was essential for the completion of this project. I express my sincere thanks to Mr. PRIYA KUMAR, Senior Manager (HRM) at Regional Office Bank of Baroda Ahmedabad for giving me the opportunity to choose this topic and the project.I would also like to thank all the persons for their contribution for shaping up of this project, which helped me directly or indirectly in completing this project. 2. Preface The project is prepared during the vocational training under taken on partial fulfillment of the course of â₠¬Å"Master of Business Administration† Hence, this report is designed with the objective to gain practical knowledge. According to old saying there is a huge difference between â€Å"To say and to do†. To take theorical knowledge is important but it becomes more valuable when we apply it in the practice.So, there is a huge difference between theory & practical. For filling this requirement training in Bank of Baroda is very practical exposure for me. This training provides golden opportunity for every student, for better understanding in a working environment in the organization. Hence, this report is designed with the objective to gain practical knowledge. Table of Context |Sr no. |Topic |Pg No. |1 |Indian Banking Industry |5 | |2 |Opportunities in the Indian Banking Sector   |17 | |3 |History of BOB |19 | |4 |Personal Banking Services |27 | |5 |Debit Card |30 | |6 |Bank Of Baroda Debit Card |34 | |7 |SWOT Analysis |38 | |8 |Findings |41 | |9 |Research and develop ment |59 | |10 |Learning |61 | |11 |Experience at Bank of Baroda |62 | |12 |Bibliography |63 | [pic] Indian banking industry Introduction to Indian Banking Industry The banking system remains, as always, the most dominant segment of the financial sector. Indian banks continue to build on their strengths under the regulator's watchful eye and hence, have emerged stronger.In the annual international ranking conducted by UK-based Brand Finance Plc, 18 Indian banks have been included in the Brand Finance ® Global Banking 500. In fact, State Bank of India (SBI), which is the first Indian bank to be ranked among the Top 50 banks in the world, has improved its position from 36th to 34th, as per the Brand Finance study released on February 1, 2011. The brand value of SBI has enhanced to US$ 1. 12 billion. ICICI Bank, the only other Indian bank in the top 100 club has improved its position with a brand value of US$ 2. 5 billion. Indian banks contributed 1. 7 per cent to the total global brand value at US$ 14. 74 billion and grew by 19 per cent in 2011, according to the study. Nationalized banks, as a group, accounted for 51. per cent of the aggregate deposits, while State Bank of India (SBI) and its associates accounted for 22. 5 per cent, according to Reserve Bank of India's (RBI) ‘Quarterly Statistics on Deposits and Credit of Scheduled Commercial Banks: September 2010'. The share of New private sector banks, Old private sector banks, Foreign banks and Regional Rural banks in aggregate deposits was 13. 5 per cent, 4. 5 per cent, 5. 2 per cent and 3. 1 per cent respectively. With respect to gross bank credit also, nationalized banks hold the highest share of 50. 9 per cent in the total bank credit, with SBI and its associates at 23. 1 per cent and New Private sector banks at 13. 7 per cent.Foreign banks, Old private sector banks and Regional Rural banks held relatively lower shares in the total bank credit with 5. 2 per cent, 4. 5 per cent and 2. 5 per cent respectively. The report also found that scheduled commercial bank offices (with deposits of US$ 2. 25 or more) accounted for 66. 2 per cent of the bank offices, 96. 6 per cent in terms of aggregate deposits and 93. 8 per cent in total bank credit. Bank loans registered a growth of 21. 38 per cent in 2010-11, while deposit growth stood at 15. 84 per cent, according to data released by RBI. Analysts and bankers said a growth rate of 18 per cent in deposits and 20 per cent in credit should be sustainable for banks in 2011-12. India's foreign exchange reserves stood at US$ 308. billion as on April 8, 2011, according to the data in the weekly statistical supplement released by RBI. Indians who live and work abroad have remitted US$ 55 billion in 2010 as compared to US$ 49. 6 billion in 2009 and have topped the world list in sending money back home, according to World Bank's Migration and Remittances Fact book 2011. With online money transfer services provided by many banks becoming popu lar, remitting money from any corner of the world is no more a problem. History of Indian Banking Industry Banking in India originated in the first decade of 18th century with The General Bank of India coming into existence in 1786. This was followed by Bank of Hindustan. Both these banks are now defunct.The oldest bank in existence in India is the State Bank of India being established as â€Å"The Bank of Bengal† in Calcutta in June 1806. A couple of decades later, foreign banks like Credit Lyonnais started their Calcutta operations in the 1850s. At that point of time, Calcutta was the most active trading port, mainly due to the trade of the British Empire, and due to which banking activity took roots there and prospered. The first fully Indian owned bank was the Allahabad Bank, which was established in 1865. By the 1900s, the market expanded with the establishment of banks such as Punjab National Bank, in 1895 in Lahore and Bank of India, in 1906, in Mumbai – both of which were founded under private ownership.The Reserve Bank of India formally took on the responsibility of regulating the Indian banking sector from 1935. After India's independence in 1947, the Reserve Bank was nationalized and given broader powers. Nationalization By the 1960s, the Indian banking industry has become an important tool to facilitate the development of the Indian economy. At the same time, it has emerged as a large employer, and a debate has ensued about the possibility to nationalize the banking industry. Indira Gandhi, the-then Prime Minister of India expressed the intention of the GOI in the annual conference of the All India Congress Meeting in a paper entitled â€Å"Stray thoughts on Bank Nationalisation. † The paper was received with positive enthusiasm.Thereafter, her move was swift and sudden, and the GOI issued an ordinance and nationalised the 14 largest commercial banks with effect from the midnight of July 19, 1969. Jayaprakash Narayan, a nationa l leader of India, described the step as a â€Å"masterstroke of political sagacity. † Within two weeks of the issue of the ordinance, the Parliament passed the Banking Companies (Acquition and Transfer of Undertaking) Bill, and it received the presidential approval on 9th August, 1969. A second dose of nationalization of 6 more commercial banks followed in 1980. The stated reason for the nationalization was to give the government more control of credit delivery. With the second dose of nationalization, the GOI controlled around 91% of the banking business of India.After this, until the 1990s, the nationalized banks grew at a pace of around 4%, closer to the average growth rate of the Indian economy. Liberalization In the early 1990s the then Narasimha Rao government embarked on a policy of liberalization and gave licenses to a small number of private banks, which came to be known as New Generation tech-savvy banks, which included banks such as UTI Bank (now re-named as Axis Bank) (the first of such new generation banks to be set up), ICICI Bank and HDFC Bank. This move, along with the rapid growth in the economy of India, kick started the banking sector in India, which has seen rapid growth with strong contribution from all the three sectors of banks, namely, government banks, private banks and foreign banks.The next stage for the Indian banking has been setup with the proposed relaxation in the norms for Foreign Direct Investment, where all Foreign Investors in banks may be given voting rights which could exceed the present cap of 10%,at present it has gone up to 49% with some restrictions. The new policy shook the Banking sector in India completely. Bankers, till this time, were used to the 4-6-4 method (Borrow at 4%; Lend at 6%; Go home at 4%) of functioning. The new wave ushered in a modern outlook and tech-savvy methods of working for traditional banks. All this led to the retail boom in India. People not just demanded more from their banks but al so received more. Current Situation Currently (2007), banking in India is generally fairly mature in terms of supply, product range and reach-even though reach in rural India still remains a challenge for the private sector and foreign banks.In terms of quality of assets and capital adequacy, Indian banks are considered to have clean, strong and transparent balance sheets relative to other banks in comparable economies in its region. The Reserve Bank of India is an autonomous body, with minimal pressure from the government. The stated policy of the Bank on the Indian Rupee is to manage volatility but without any fixed exchange rate-and this has mostly been true. With the growth in the Indian economy expected to be strong for quite some time-especially in its services sector-the demand for banking services, especially retail banking, mortgages and investment services are expected to be strong. One may also expect M, takeovers, and asset sales.In March 2006, the Reserve Bank of India allowed Warburg Pincus to increase its stake in Kotak Mahindra Bank (a private sector bank) to 10%. This is the first time an investor has been allowed to hold more than 5% in a private sector bank since the RBI announced norms in 2005 that any stake exceeding 5% in the private sector banks would need to be vetted by them. Currently, India has 88 scheduled commercial banks (SCBs) – 28 public sector banks (that is with the Government of India holding a stake), 29 private banks (these do not have government stake; they may be publicly listed and traded on stock exchanges) and 31 foreign banks. They have a combined network of over 53,000 branches and 17,000 ATMs.According to a report by ICRA Limited, a rating agency, the public sector banks hold over 75 percent of total assets of the banking industry, with the private and foreign banks holding 18. 2% and 6. 5% respectively. Growth of Indian banking industry The growth in the Indian Banking Industry has been more qualitative than quantitative and it is expected to remain the same in the coming years. Based on the projections made in the â€Å"India Vision 2020† prepared by the Planning Commission and the Draft 10th Plan, the report forecasts that the pace of expansion in the balance-sheets of banks is likely to decelerate. | | The total assets of all scheduled commercial banks by end-March 2010 are estimated at  Rs. 40, 90,000 crores. That will comprise about 65 per cent of GDP at current market prices as compared to 67 per cent in 2002-03.Bank assets are expected to grow at an annual composite rate of 13. 4 per cent during the rest of the decade as against the growth rate of 16. 7 per cent that existed between 1994-95 and 2002-03. It is expected that there will be large additions to the capital base and reserves on the liability side. The Indian Banking Industry can be categorized into non-scheduled banks and scheduled banks. Scheduled banks constitute of commercial banks and co-operative banks. T here are about 67,000 branches of Scheduled banks spread across India. As far as the present scenario is concerned the Banking Industry in India is going through a transitional phase.The Public Sector Banks (PSBs), which are the base of the Banking sector in India account for more than 78 per cent of the total banking industry assets. Unfortunately they are burdened with excessive Non Performing assets (NPAs), massive manpower and lack of modern technology. On the other hand the Private Sector Banks are making tremendous progress. They are leaders in Internet banking, mobile banking, phone banking, ATMs. As far as foreign banks are concerned they are likely to succeed in the Indian Banking Industry. Types of Banks The operations of all the banks in India are controlled by the Reserve Bank of India. All the Indian banks are governed by the RBI or Reserve Bank of India. This governing body took over the reasonability of formally regulating the Indian banks in 1935.The Reserve Bank of India was announced as the official Central Banking Authority for the smooth supervision of the banking industry in India. Banks in India are classified into 2 broad categories namely, Public sector banks and Private sector banks. The banking scenario in India has already gained momentum, with the domestic and international banks gathering pace. All the banks in India are following the ‘cost', determined by revenue minus profit model. This means that all the resources should be used efficiently to improve the productivity and ensure a win-win situation. To survive in the long run, it is essential to focus on cost saving. Previously, banks focused on the ‘revenue' model which is equal to cost plus profit.Post the banking reforms, banks shifted their approach to the ‘profit' model, which meant that banks aimed at higher profit maximization. The  History of banking  in India dates back to the early half of the 18th century. 3 Presidency Banks that were established in the country namely the Bank of Hindustan, Bank of Madras and Bank of Bombay can also be referred to as some of the oldest banking institutions in the country. The State Bank of India that was earlier known as the Bank of Bengal is also one of the oldest in the genre. To know about the types of banks in India, it is necessary that we first comprehend the banking system so as to be able to distinguish about its various types.All  types of Banks in India  are regulated and the activities monitored by a standard bank called the Reserve Bank of India that stands at the apex of the banking structure. It is also called the Central Bank, as major banking decisions are taken at this level. The other types of banks in India are placed below this bank in the hierarchy. The major types of banks in India are as follows: [pic] Public sector banks in India All government owned banks fall in this variety. Besides the Reserve Bank of India, the State Bank of India and its associate banks and about 20 nationalized banks, all comprises of the public sector banks. Many of the regional rural banks that are funded by the government banks can also be clubbed in this genre.Banks such as State Bank of India, Bank of Baroda, Syndicate Bank and Canara Bank are known as Public sector banks. Public sector banks are controlled and managed by the Government of India. Public sector banks have been serving the nation for over centuries and are well known for their affordable and quality services. The banking sector in India is mostly dominated by the Public sector banks. The Public sector banks in India alone account for about 75 percent of the total advances in the Indian banking industry. Public sector banks have shown remarkable growth over the last five four decades. Allahabad Bank was the first fully owned Indian bank. It was founded in the year 1865. Private sector banks in IndiaA new wave in the banking industry came about with the private sector banks in India. With policies o n liberalization being generously taken up, these private banks were established in the country that also contributed heavily towards the growth of the economy and also offering numerous services to its customers. Some of the most popular banks in this genre are: Axis Bank, Bank of Rajasthan, Catholic Syrian Bank, Federal Bank, HDFC Bank, ICICI Bank, ING Vysya Bank, Kotak Mahindra Bank and SBI Commercial and International Bank. The Foreign Banks in India like HSBC, Citibank, and Standard Chartered bank etc can also be clubbed here. Private Banks are banks like HDFC bank, ICICI Bank, UTI bank and IDBI bank.The concept of private banking was introduced about 15 years ago. These are the banks that do not have any government stakes. Private Banks have gained quite a strong foothold in the Indian banking industry over the last few years especially because of optimum use of technology. The Private Banks are accountable for a share of 18. 2 percent of the Indian banking industry. IndusInd Bank was the first private bank in India. Currently the bank is among the fastest growing Bank Private Banks in the country. IDBI which is ranked as the tenth largest global development bank is counted as one of the finest financial institutions in the subcontinent. List of Public sector and Private sector banks in India Public Sector Banks |Private Sector Banks | |Bank of Baroda |Bank of Rajasthan | |Allahabad Bank |Catholic Syrian Bank | |Central Bank of India |Bank of Punjab | |State Bank of Patiala |Dhanlakshmi Bank | |Andhra Bank |HDFC Bank | |Canara Bank |Karur Vysya Bank | |State Bank of Hyderabad |ING Vysya Bank | |Oriental Bank of Commerce |Laxmi Vilas Bank | |Dena Bank |Karnataka Bank | |State Bank of Mysore |South Indian Bank | |State Bank of Indore |United Western Bank | |UCO Bank |UTI Bank | |Vijaya Bank |Centurion Bank | |Syndicate Bank |City Union Bank | |State Bank of India |Development Credit Bank | |Bank of India |Federal Bank |Corporation Bank |ICICI Bank | |Ind ian Bank |IndusInd Bank | |Union Bank of India |Jammu & Kashmir Bank | |Punjab National Bank- | | |State Bank of Bikaner and Jaipur | | |State Bank of Travancore | | |Bank of Baroda | | Comparison between Private and Public Sector BanksThe Private sector banks introduced the concept of online banking in India. This was mostly because the private banks were technologically well equipped. Online banking is extremely common today since you can sit anywhere and go ahead with your banking transactions. You do not have to personally visit your bank. The Private sector banks were using state of the art technology and fully computerized systems since the time they entered the Indian market whereas the Public sector banks were not. However despite the technological challenges the public sector banks in India are still the preferred destinations for many as they are considered as safer options for money deposit.Cooperative banks in India With the aim to specifically cater to the rural pop ulation, the cooperative banks in India were set up through the country. Issues like agricultural credit and the likes are taken care of by these banks. Opportunities in the Indian Banking Sector In the five decades since independence, the Indian banking system has evolved through four distinct phases. The major reform took place in the fourth phase, with the recommendations of Narasimham Committee (1991). The important initiatives that were introduced were the provisioning and capital adequacy, deregulation of interest rates and easing of norms to enter the banking sector.Further, the merger and acquisition in the sector will add a new growth dimension, as it would create 3 -4 global sized banks. The presence of these banks will help the country to attract foreign direct investments, which in turn will drive the future growth in the Indian Banking sector. The report titled ‘Opportunities in the Indian Banking Sector’ provides a crisp and comprehensive analysis of the c urrent status and overall growth prospects of the Indian banking industry. The report provides an insight into the use of Information Technology in the sector and the impact of the Union Budget 2010-11 on the growth of the sector. The research presents a detailed PEST analysis of the industry which is substantiated with key findings.The report aims to investigate the opportunities that have been created in the industry in the areas of pension fund, rural banking and e banking. Moreover, the research also explains the impact of the Basel 3 norms on the functioning of the Indian Banks. ‘Opportunities in the Indian Banking Sector’ is an outcome of comprehensive research and analysis of the Indian Banking sector. The team has also mapped the competitive landscape of the sector and tried to shed light on the operations/strategies of the key players. Thus, the information available in the report is expected to enable the target audience in understanding the contemporary indus try scenario. Key findings in the report include: The Indian banking industry has been able to sustain the global economic crisis much better than other developing countries due to its robust capital structure. The implementation of Basel 3 norms will make it more immune to crisis and will guard the banking industry against market risk, interest rate risk and operational risk. Moreover, the creation of capital buffer will provide a cushion for periods of stress and will not lead to situations of insolvency. †¢ In a major move, undertaken by RBI to elevate financial inclusion in the country, additional branch licenses will be granted to private sector banks and NBFCs. This will further assist to ease the entry norms in the industry and attract new players.Additionally, the setting up of new branches will help in extending banking products and services to remote areas of the country. †¢ A paradigm shift in the banking system has been witnessed with the use of information tec hnology for implementation of total banking automation. Various software companies are launching software application packages for banks. For instance, Infosys has rolled out Finnacle which a core banking software, designed to offer solutions for e banking, CRM for requirements of retail, corporate and universal banking and core banking. Moreover, with the introduction of interbank mobile payment service by The National Payment Corporation of India, the retail customers can now avail 24*7 fund transfers.History of Bank of Baroda[pic] [pic] About Bank of Baroda A saga of vision and enterprise It has been a long and eventful journey of almost a century across 25 countries. Starting in 1908 from a small building in Baroda to its new hi-rise and hi-tech Baroda Corporate Centre in Mumbai, is a saga of vision, enterprise, financial prudence and corporate governance. It is a story scripted in corporate wisdom and social pride. It is a story crafted in private capital, princely patronage an d state ownership. It is a story of ordinary bankers and their extraordinary contribution in the ascent of Bank of Baroda to the formidable heights of corporate glory.It is a story that needs to be shared with all those millions of people – customers, stakeholders, employees & the public at large – who in ample measure, have contributed to the making of an institution. Our mission statement To be a top ranking National Bank of International Standards committed to augmenting stake holders' value through concern, care and competence. Our Logo Our new logo is a unique representation of a universal symbol. It comprises dual ‘B’ letterforms that hold the rays of the rising sun. We call this the Baroda Sun. The sun is an excellent representation of what our bank stands for. It is the single most powerful source of light and energy – its far reaching rays dispel darkness to illuminate everything they touch.At Bank of Baroda, we seek to be the source that w ill help all our stakeholders realise their goals. To our customers, we seek to be a one-stop, reliable partner who will help them address different financial needs. To our employees, we offer rewarding careers and to our investors and business partners, maximum return on their investment. The single-colour, compelling vermillion palette has been carefully chosen, for its distinctiveness as it stands for hope and energy. We also recognize that our bank is characterized by diversity. Our network of branches spans geographical and cultural boundaries and rural-urban divides. Our customers come from a wide spectrum of industries and backgrounds.The Baroda Sun is a fitting face for our brand because it is a universal symbol of dynamism and optimism – it is meaningful for our many audiences and easily decoded by all. Our new corporate brand identity is much more than a cosmetic change. It is a signal that we recognize and are prepared for new business paradigms in a globalised wor ld. At the same time, we will always stay in touch with our heritage and enduring relationships on which our bank is founded. By adopting a symbol as simple and powerful as the Baroda Sun, we hope to communicate both. The Heritage It all started with a visionary Maharaja's uncanny foresight into the future of trade and enterprising in his country.On 20th July 1908, under the Companies Act of 1897, and with a paid up capital of Rs 10 Lacs started the legend that has now translated into a strong, trustworthy financial body,  THE BANK OF BARODA. It has been a wisely orchestrated growth, involving corporate wisdom, social pride and the vision of helping others grow, and growing itself in turn. The founder,  Maharaja Sayajirao Gaekwad, with his insight into the future, saw â€Å"a bank of this nature will prove a beneficial agency for lending, transmission, and deposit of money and will be a powerful factor in the development of art, industries and commerce of the State and adjoinin g territories. † The Ethics Between 1913 and 1917, as many as 87 banks failed in India. Bank of Baroda survived the crisis, mainly due to its honest and prudent leadership.This financial integrity, business prudence, caution and an abiding care and concern for the hard earned savings of hard working people, were to become the central philosophy around which business decisions would be effected. This cardinal philosophy was over years of its existence, to become its biggest asset. It ensured that the Bank survived the Great War years. It ensured survival during the Great Depression. Even while big names were dragged into the Stock Market scam and the Capital Market scam, the Bank of Baroda continued its triumphant march along the best ethical practices. The Heroes No history is complete without mention of its heroes, mostly ordinary people, who turn in extra-ordinary performances and contribute to building an institution.Over the years, there have been thousands of such people. The Bank salutes these â€Å"unknown soldiers† who passionately helped to create the legend of Bank of Baroda. There were also the leaders, both corporate and royal, who provided the vision and guided the Bank through trail blazing years, and departing, left behind footprints on the sands of time. This Roll of Honor will be incomplete without mention of men, of the stature of  Maharaja Sayajirao Gaekwad, Sampatrao Gaekwad, Ralph Whitenack, Vithaldas Thakersey, Tulsidas Kilachand and NM Chokshi. Bank of Baroda salutes these leaders whose vision helped to create an institution. Offices and branches [pic] [pic]Shower of Awards & Accolades On Bank Of Baroda ? Bank of Baroda receives Skoch Award ? Bank of Baroda bags Bank of the year 2010 (for India) ? Bank of Baroda has bagged three awards from Association of Business Communicators of India in an award function held at Mumbai. ? Bank of Baroda has been conferred upon Best Bank 2010 award by the prestigious financial magazine, Business India in recognition of its consistent performance ? Bank of Baroda has been conferred upon Silver Award by Dainik Bhaskar group (DNA) ? Bank of Baroda has been awarded with prestigious Dalal Street- DSIJ PSU Award. ? CMD Shri M. D. Mallya is seen receiving the Skoch Challenger Award from Dr. C.Rangarajan, Hon’ble Chairman, Economic Advisory Council to the Prime Minister. ? Association of Business Communicators of India gives awards every year in various categories of Business Communication. Bank of Baroda got the Gold Trophy for the Indian Language Publication, Silver Trophy for the Corporate Website of the Bank, Bronze trophy for Bilingual Internal Magazine and CMD’s message. The Awards were received by Smt. Vindhya Ramesh, Dy. General Manager along with team members in an award function held in Mumbai. ? Shri Nandan Srivastava, General Manager in-charge (Official Language) receiving the   prestigious Millennium National Rajbhasha Shield constituted by Nat ional Hindi Academy Bank of Baroda has been conferred â€Å"Bank of the year† Award at India Leadership Conclave held in Delhi. ? Bank has won award for the leading Public Sector Bank in â€Å"Global Business Development† category at the Dun & Bradstreet Banking Awards 2009, held in Mumbai, on wednesday 18th February 2009. Journey from 1908 to 2009: 1908-1958 ? 1908: Maharaja Sayajirao Gaekwad III set up Bank of Baroda (BOB). ? 1910: BOB established its first branch in Ahmadabad. ? 1953: BOB established a branch in Mombasa and another in Kampala. ? 1954: BOB opened a branch in Nairobi. ? 1956: BOB opened a branch in Dar-es-Salaam. ? 1957: BOB established a branch in London. ? 1959: BOB acquired Hind Bank. 1960s-1970 1961: Merger of New Citizen Bank of India with BOB helped it increase its branch network in Maharashtra. ? BOB also opened a branch in Fiji ? 1962: BOB opened a branch in Mauritius. ? 1963: BOB acquired Surat Banking Corporation in Surat, Gujarat. ? 1964: B OB acquired two banks, Umbergaon People’s Bank in southern Gujarat and Tamil Nadu Central Bank in Tamil Nadu state. ? 1964: BOB lost its branch in Narayanjanj (East Pakistan) due to the Indo-Pakistan war. It is unclear when BOB had opened the branch. ? 1965: BOB opened a branch in Guyana. ? 1967: The Tanzanian government nationalized BOB’s three branches there and transferred their operations to the Tanzanian government-owned National Banking Corporation. 1969: The Government of India nationalized 14 top banks, including BOB. BOB incorporated its operations in Uganda as a 51% subsidiary, with the government owning the rest. 2000s ? 2000: BOB established Bank of Baroda (Botswana). ? 2002: BOB acquired Benares State Bank in Benares at the Reserve Bank of India’s request. ? 2002: Bank of Baroda (Uganda) was listed on the Uganda Securities Exchange (USE). ? 2003: BOB opened an OBU in Mumbai. ? 2004: BOB acquired the failed Gujarat Local Area Bank, and returned to Ta nzania by establishing a subsidiary in Dar-es-Salaam. ? BOB also opened a representative office each in Kuala Lumpur, Malaysia, and Guangdong, PRC. 2005: The Reserve Bank of India (RBI), has approved a joint venture between BOB, Bank of Maharashtra (BOM), and Oriental Bank of Commerce (OBC) to set up a bank in Malaysia. The new bank will reside in Kuala Lumpur, which has a large population of Indians. The initial capital required will be US$78 million; BOB will invest 40%, and the other two banks will invest 30% each. The JV is awaiting approval from the Malaysian Central Bank. Bank has built and commissioned its own State-of-the-Art Global Data Centre (DC) in Mumbai for running its centralized banking solution(CBS) and other applications in 1900+ branches across India and 20 other counties where the Bank is operating. ? BOB also opened a representative office in Thailand. ? 2006: BOB established an Offshore Banking Unit (OBU) in Singapore. 2007: In its centenary year, BOB's total b usiness crossed 2. 09 lakh crores, its branches crossed 1000, and its global customer base 29 million people. ? 2008: BOB opened a branch in Guangzhou, China (02/08/2008). ? 2009: Bank of Baroda registered with the Reserve Bank of New Zealand, enabling it to trade as a bank in New Zealand (2009/09/01) Personal Banking Services Bank of Baroda  believes in the strength and integrity of relationships built with its customers like you. With over 102 years of experience in the banking industry and a wide network of over 3412 branches  all over the country, we have always been active in extending financial support and adapting to your changing needs.Bank’s  Deposit Products,  Retail Loans,  Credit Cards  and  Debit Cards  help you with your growing financial needs. With facilities like  Lockers  we ensure that your valuables are safe with us. BOB’s countrywide branches offer convenience and ease in operating one’s account wherever they are. BOBâ₠¬â„¢s 24-hour ATMs enable to withdraw cash, check account balance and request for a new cheque book even after banking hours. Faster technology for better service Baroda Internet Banking / Baroda Mobile Banking, our latest Internet and Mobile banking initiatives enable you to operate your account just as you would in any of our branches. You can through the Internet check your balance, request for cheque books and print account details.Choose from our various products and services, that we sincerely feel will put a smile on your face; an investment we would like to bank on forever. | | | | Deposits Bank of Baroda  offers various deposit plans that you can choose from depending on the term period, nature of deposit and its unique saving and withdrawal features. Apart from competitive interest rates and convenient withdrawal options, BOB’s deposit plans offer other features such as overdraft facility, outstation cheque collections, safe deposit lockers, ATM's etc. Choose from   Fixed,  Current  and  Savings  Deposit plans. Fixed deposits are categorized into deposits with a term period of less than 12 months, more than 12 months and recurring deposits.These deposit plans offer convenient solutions to both working individuals as well as senior citizens. Current and saving deposits are ideal for individuals who wish to take advantage of multiple benefits within the same plan and even be eligible to opt for overdrafts. Deposit Products & Services Fixed Current Saving Gen Next Services Gen- Next Junior Gen- Next Life style Gen- Next Power Gen- Next Suvidha Retail Loans A wide range of solutions for your financial needs Bank of Baroda  offers a wide range of retail loans to meet your diverse needs. Whether the need is for a new house, child's education, purchase of a new car or home appliances, BOB’s unique and need specific loans will enable his/her to convert dreams to realities. Products Home Loan | |Home Improvement Loan | |Loan Again st Future Rent Receivables | |Advance Against Securities | |Baroda Career Development Loan | |Two Wheeler Loan | |Traders Loan | |Baroda Ashray | |Home Loan TO NRIs/PIOs | |Mortgage Loan | |Education Loan | |Auto Loan | |Loan To Doctors | |Personal Loan | | | | | | | | | |Debit Card | |The  Bank of Baroda International Debit Card  is accepted at over  50000 Visa Electron ATMs in India and 1000000 ATMs worldwide. The | |card is also accepted at any 350000 merchant outlets in India and around 29 millions globally.The card enables you to enjoy the | |convenience of cash-less purchasing power without the fear of overdrawing your account | |Key Benefits and Features | |ATM daily cash withdrawal limit Rs: 25,000 (per transaction limit Rs. 15,000) and Point of Sales (POS) daily limit Rs. 50,000. | |Take advantage of the most widely accepted card and be able to withdraw from any ATM displaying the VISA logo, in India and | |abroad. | |At VISA Electron merchant shops, it can also serve as your electronic purse, and money gets debited instantly from your account, | |as you pay. | |The Card allows you to get mini-statements from Bank of Baroda ATMs, or to check the balance in your account, avoiding visits to | |even our nearest branches. | | | | | | | | | | | | | | | | | | | | |What's a Debit Card? | |A debit card is issued to an account and card holder uses the card the debit transaction is directly affected to his/her account | |to the extent of balance available. Whereas in credit card there is no need of account but a credit limited is granted up to which| |one can spend. | |How Does a Debit Card Work? | |When you use a debit card, the linked account is checked for the balance availability and the transaction debits (withdraws) the | |amount from the linked account, immediately.You can use a debit card to get cash from  ATM machines  or have it swiped like a | |credit card at shops or restaurants or swipe it through a pay phone to make a call. | |Making a Travel Budget With a Debit Card | |Naturally, you can't rely on your debit card for all your international transactions – imagine haggling with a street vendor, | |getting the price right and then trying to give him/her plastic! Remote hostels and many restaurants in third world countries | |don't accept credit cards (which is how debit cards are viewed in the business world).Thus, you'll need to make budget plans | |before you leave home so that you have traveler's checks and cash  and  some money in your checking account for use on your debit | |card. | |Let's assume you have a budget of $2000 for your trip. Decide how you're comfortable splitting that into the way you'll use it; | |$100 in traveler's checks (although travelers' checks are dead as disco, because carrying them is a pain on several levels — | |we've had banks in other countries refuse to cash them, we've lost them, etc. and so on), $400 in cash and $1500 left in your | |checkin g account, for example — that's $1500 on your debit card. | |If that $2000 represents your entire cash portfolio, consider setting up emergency precautions before you leave home.If someone, | |like Dad, is willing to loan you money, leave deposit slips with him so that if you spend all your money abroad, you can dial for | |dollars (using your debit card) and he can get some money into your account. If your debit card (your checking account) is almost | |empty, ask him to tell the bank to â€Å"memo post† the deposit so that the cash is immediately available and your debit card is | |quickly back in business. | |How to Get a Debit Card | |Chances are you were automatically offered a debit card when you opened your checking account. If you don't have a checking | |account, go open one now.Look for a bank that doesn't charge checking account fees, and ask for a debit card. | |It takes a few days to two weeks to get a debit card after you order it. When the card arrives, sign the back; have photo id with | |your signature handy when you use the card – merchants may want to compare your face and your signatures to protect themselves | |from fraud. | |How to Choose a Debit Card PIN Number | |Your debit card comes with a PIN (personal identification number) which can be changed to a number you can easily remember. | |Memorize it; if you have to write it down, keep that separate from your card.Don't choose an obvious number, like your birthday, | |in order to lessen the chances of someone else being able to guess your PIN number if they come into possession of your card. | | | | | |If You Lose Your Debit Card†¦ | |If your card is lost or stolen, call your bank a sap (Skype's a good, cheap choice for international calls from anywhere you can | |find a computer) before someone else spends your money. Write down your bank's number before you leave home and keep it in a | |couple of places – your journal, your guidebook. Set up an  i nternational snail mail address before you leave home so your bank can| |send you a different card if yours does get lost or stolen. | | | | | | |When to Use Your Debit Card | |Debit cards are handy when making a long distance room reservation or any internet reservation, including plane tickets. You can't| |use a debit card just like a credit card when renting a car – the companies require a major credit card, which offer a certain | |amount of insurance in case you have a fender bender. |About Debit Card Fees and Overseas Transaction Fees | |International ATM machines will charge a fee  when you use your debit card; the amount is determined by the ATM owner. Most fees | |are under $5 — a notice on the ATM machine will tell you what the fee is. More than $2 is too much — look for another ATM | |machine. | |The real fee problem with a debit card comes from your own bank — the card issuer may charge you up to 3 percent for a foreign | |transaction, in cluding an ATM withdrawal. Call your bank long before you go — if you don't like the fee, call around and ask what| |other banks are charging for foreign transactions made with a debit card; be sure to ask what, if any, fees the bank will charge | |for an ATM withdrawal made on foreign soil, even at an â€Å"international bank. | | | | | | | | | | | | | | | |Bank Of Baroda Debit Card | |What is a debit card? | |Debit Card is an electronic purse, which allows the holder to withdraw cash from ATMs and also enables him to purchase goods or | |services from the member establishments. Debit Cards are mostly issued in collaboration either with VISA or MASTER Card. | |What is Bank of Baroda’s Debit Card? | |Bank is issuing globally accepted Debit Card in association with VISA, which will be the easiest way to access customer’s account. |A debit card will allow the customer to purchase goods at VISA Electron merchant establishments and withdraw Cash from any VI SA | |ATM in India and abroad. It is a 24 hours banking facility. | |What is the difference between a Debit Card and a Credit Card? | |The basic difference between a Debit Card and a Credit Card is that the Debit Card gives the customer access to his own money | |whereas the credit card is a form of loan and allows line of credit offered by the Bank. As in case of Debit Card, there will be | |on line debit to the customer’s account, there are no hassle of receiving bills, making payments on due dates, making payment of | |interest on the amount not paid etc. |What is the advantage of a debit card? | |The debit card provides tremendous convenience in payments and helps the customers reduce the amount of cash they need to carry. | |Besides that customer always stays in control of his finances as he can spend only what he has in his account. It also gives an | |unparalleled access to his account, whenever he wants, wherever he goes. | |No Interest / service Charges | |Suits to the Indian psyche of limited expenditure. | |Debit card is not included in the list of Compulsory Income Tax Return Filing. |Usable at POS and hence no carry cash | |Same Card usable at ATMs | |Will customers be entitled to get an additional card in case of joint accounts? | |All the joint account holders, if the operating instructions in the account are ‘either or survivor’, are eligible to get an | |additional card in his/her own name. | |What are the charges for issuing of a Debit Card? | |There are no charges for issuing a debit card. | |What should customer do on receipt of DEBIT CARD? | |Customers are advised to immediately sign on the panel on the back of the Card. However, to prevent any possible misuse, even | |before delivery of Card to customer, it has been made mandatory that Customer should first use the Card at ATM, which requires PIN| |to be entered..Debit Card will be activated for use at POS only after it is used at ATM. | |What is PIN? | |PIN is a FOU R Digits Personal Identification Number, which is issued to the customer in a CLOSED Jacket and is delivered to him | |separately. Customers are requested to ensure that PIN jacket is received by them INTACT and they are also requested to change his| |PIN immediately. Under no circumstance, PIN should be divulged to anyone including to any official from the Bank. | | | |Where will Bank Of Baroda Debit Card be accepted? | |The  Bank of Baroda International Debit Card  is accepted at over 32000 Visa Electron ATMs in India and 1000000 ATMs worldwide.The | |card is also accepted at any 350000 merchant outlets in India and around 29 millions globally. The card enables you to enjoy the | |convenience of cash-less purchasing power without the fear of overdrawing your account. | |What are the facilities available at ATMs? | |At BANK OF BARODA’s ATM network, Customer will be able to withdraw Cash, make a balance enquiry, change his PIN and print a mini | |statement of his account. However, at all other banks ATMs he will be able to withdraw cash and enquire the balance only. | |Whether there are any charges for using CARD at ATMs? | |There will not be any charges for using the Card at Bank of Baroda’s own ATM network.However, if the Card is used at other banks | |ATM, whether in India or abroad, customer is required to pay the charges as per tariff of charges, which will be declared by the | |Bank from time to time. | |And what about charges for using the Card at POS? | |There will not be any charge for using the Card at the POS, either in India or abroad except a nominal service charge is levied if| |the card is used at Petrol Pumps and Indian railways. | |How the amounts withdrawn abroad or purchases made outside India are debited into the account? | |Normally the Cash can be withdrawn and payments for purchases can be made upto the amount of balance available in the account of | |the customer.However, for safety reasons Bank has fixed PER DAY limit of Rs 15000/- for withdrawing the Cash at ATMs and Rs | |25000/- for making purchases at the POS, subject to maximum of balance available in SB account. These limits are also subject to | |using the card MAXIMUM of FOUR times in a day. | |Are any formalities required to be completed by the Bank for international transactions? | |NO, the customer is required to use the Card as per his foreign exchange entitlements only and necessary formalities as required | |under FEMA 1999 are to be complied with by the customer. | | | |What will be the mode of payment in case of a Debit Card? | |The account of the customer will be debited instantly to the extent of purchases made and amount withdrawn from the ATMs. |Therefore, there will not be any monthly outstanding as in case of Credit Cards. | |If customer returns the goods to POS or cancel the transactions, will his account be credited online? | |In case he cancels the transaction immediately, customer’s account will be credited imme diately. However if any customer returns | |the goods later, merchant will make the payment to our Base branch through acquirer. Switch will pass on the credit to customer’s | |account thereafter. | |What is the procedure to be followed in case of loss of Debit Card? | |In case of loss of card, customer will be required to report the loss IMMEDIATELY over phone to our 24 hours Customer Care Toll | |free number 1800 220 400. He will also be required to report the loss to nearest police station and inform the Bank in writing | |along with a copy of information duly acknowledged by the Police. | |When will the customer get replacement card in lieu of lost one? | |Replacement card will be issued to customer after receipt of above information and a request for issuing of replacement card from | |the base branch of the customer. | |How can Customer prevent misuse of card in event of getting it misplaced? | |Customers are protected from the misuse/losses on the Debit Card after they report the loss to the Bank. They will be covered | |automatically under an insurance cover. Please note that this cover will be available to customers only for misuse of card atPOS,| |because at ATM misuse without PIN is not possible. Customer is neither supposed to divulge his PIN to anyone nor record the PIN | |anywhere. | [pic] SWOT Analysis SWOT ANALYSIS STRENGTH: ? Financially strong bank ? Very old bank ? Aggressive marketing ? Good repo ? Technological advanced WEAKNESS: ? Guidelines are not flexible ? Power is not decentralized OPPORTUNITIES: ? New area is developing. So, there is vast chance for housing loan. ? Guidelines to be designed in such a way that needs of the all type of prospective borrowers should be fulfilled. THREATS: ? This is the nationalized bank so, competition may be with private banks ?Aggressive marketing strategies by private banks ? Entry of foreign banks in near future. [pic] Findings and Research Methodology Findings Q. 1. Are you a customer of BOB ? [pic] Interpretation:- Around 91. 60% are Bank of Baroda customer, because these surveys are conducted in various branches of BOB only. So majority are customer of BOB. Q. 2. Which type of A/C do you maintain? [pic] Interpretation:- According to survey there are majority of respondent are maintaining saving account. It’s very easy to maintain and also only 1000Rs. are required for opening these type of account. Q. 3. How long are you banking with BOB? [pic] Interpretation:-According to total respondent 29 respondent are banking with Bank of Baroda lies between 1-5 years and 26 respondent are banking with BOB more than 5 years. Q. 4. Which of the following facilities of BOB you use? [pic] Interpretation:- According to respondent 40 customer are using ATM/Debit Card and 18 customer are using Net banking. These show those customers are using ATM/Debit card facilities more than other facilities. Q. 5. How frequently do you use AMT/Debit card? [pic] Q. 6. What purpose you are us ing AMT/Debit card? [pic] Q. 7. Select the type of Baroda Connect a/c you use? Q. 8. How did you come to know about Baroda Connect? [pic] Q. 9.Which of the following do you use in Baroda Connect facility? [pic] Q. 10. How frequently do you use Baroda Connect (net banking facility)? [pic] Q. 11. Select some of the benefits of using Baroda Connect? [pic] Q. 12. Do you have demate A/C? [pic] Q. 13. Satisfaction level of using ATM/Debit card: [pic] Q. 14. Satisfaction level of using Baroda Connect (Net Banking): [pic] Q. 15. How frequently do you visit the branch? [pic] Q. 16. What are purpose of visiting the brand? [pic] Personal Detail:- ? Gender:- [pic] ? Education:- [pic] ? Monthly Income (Rs. ):- [pic] Research & Development ACTUAL COLLECTION OF DATA Data sources: The sources of data include either secondary data or primary data and even ome times the combination of both. The present study is more concentration on both primary and secondary data. Primary data: Primary data is colle cted through face-to face interaction with customers of the telecom companies, by meeting them in personal. Secondary data: The secondary data used for their study are inclusive of the data collected from the internet, catalogues and brochure. SAMPLING PLAN 1 Define Population ? Elements: Customers ? Sampling Units: Businessmen, Professional, House wives, Students. ? Extent: West, North, South, East 2 Sampling Frame ? Various Branches of Bank of Baroda, Ahmedabad city. 3 Sampling Method ? Random Sampling METHODOLOGYThe study will conduct on the bases of survey through questionnaires given to respondents. Sampling Design Population: Ahmadabad Sample Size: Population of 60 LEARNINGS The most important part is that they make me feel employee of the organization rather than a trainee and allow me to flourish in each and every department. They were so generous to me that at any mistake, rather scolding they taught me how to correct it & allow me to learn from that mistake. Learning inclu de, 1. Overview of the banking industry & their operation 2. Deep Knowledge of ATM/Debit Cards 3. Familiar with third party Products and Alternative delivery Channels 4. Gain knowledge of loan 5.Proposals that the bank has approved for the disbursement of loan 6. Working on CRISIL and learning some of its function 7. The most important learning of CIBIL& how to learn this CIBIL 8. Knowledge & functioning of LAPS software 9. Also Updated with SME Loans, City back offices, Service branch, MICR centre. 10. How to come out from the different problems & how to interact with customer. 11. Awareness of FINACLE software. Experience at Bank of Baroda I would like to conclude my project with a feeling of having gained enormous knowledge in the field of advances. My project has taught me a lot and has helped me sharpen my management skills for application aspect.I had wonderful experience for which I am greatly thankful to the entire staff of BOB who have continuously taught me by guiding in each and every step. It was a memorable experience of working in such a lively & dedicated atmosphere. Not to forget to mention that my two months training has removed my misconceptions regarding the working of public sector bank. Lastly, I would conclude it was such a memorable experience for me to be a part of BOB. Thanks a lot to all staff members of BOB for such a good co-operation. BIBILIOGRAPHY ? www. bankofbaroda. com ? www. google. com ? http://www. ibef. org/industry/Banking. aspx ? www. cibil. com ? www. crisil. com [pic] ———————– [pic]