The Process Of Banks And Financial Insistutions Finance Essay - Free Essay Example

Sample details Pages: 10 Words: 2989 Downloads: 6 Date added: 2017/06/26 Category Finance Essay Type Research paper Did you like this example? Introduction The financial system of Bangladesh consists of Bangladesh Bank (the central Bank of country), Schedule banks, financial institutions (Non-banking), various co-operative societies, insurance companies, microfinance institutions (MFIs) and non-government organizations (NGO). Direct regulation and supervisory responsibility over the system rests with Bangladesh Bank. Among the 48 schedule banks, there are 4 state owned commercial banks, 5 state owned specialized banks, 30 domestic private commercial banks, 9 foreign commercial banks and 29 non-bank financial institutions. Don’t waste time! Our writers will create an original "The Process Of Banks And Financial Insistutions Finance Essay" essay for you Create order Financial institutions represent one of the most important segments of the financial system and play a very important role in mobilizing and channeling resources in Bangladesh. Financial system of the country is either bank or market based. Since bank based systems are good at mobilizing savings and providing payment services and liquidity, they are constrained in providing store of value services. By adding liquidity, divisibility, informational, efficiencies and risk pooling services, non-bank financial institutions play a major role in the development of financial sector by broadening the spectrum of risks available to investors. Objective of the project: To discuss process of Banks and FIs or NBFI To show what are the sources of their funds To show the difference in their lending segment on the prospect of SME To watch carefully the degree of difference and similarities between the real life and theory. Scope: This study revolves basically around Banks and Financial Institution in Bangladesh. This study includes an analysis of their lending pattern on the prospect of SME. And what possible steps should be taken to improve facilities. Methodology: For preparing this report we will gather information from the following sources: Secondary data: This report will base on only secondary data like-Official website of the company, journal, newspaper etc. Limitation: In preparing this report certain limitations were faced: This report may suffer from statistical error due to the fact that all data used were Secondary. Lack of sufficient alternative sources prevented verification of information. The analysis presented here may vary with opinions of experts in this field. Overview: Structure and component of the financial sector in Bangladesh: The financial system of Bangladesh consists of Bangladesh Bank (BB) as the central bank, 4 State Owned Commercial Banks (SCB), 5 government owned specialized banks, 30 domestic private banks, 9 foreign banks and 29 non-bank financial institutions. Moreover, MRA has given license to 298 Micro-credit Organizations. The financial system also embraces insurance companies, stock exchanges and co-operative banks. NBFI: Non-Bank Financial Institutions are an important part of financial system in Bangladesh. NBFIs operations are regulated under the Financial Institutions Act, 1993. The NBFIs consist of investment, finance, leasing companies etc. There were 29 financial institutions operating in Bangladesh as of 31 December 2006. Of these one is government owned, 15 are local (private) and the other 13 are established under joint venture with foreign participation. Banks: In the banking subsector, there are 4 SCBs, 5 governments owned specialized banks dedicated to agricultural and industrial lending, 30 domestic PCBs, and 9 foreign commercial banks. The specialized banks are often called development finance institutions (DFIs). Out of the five specialized banks (enjoying 10% of the total industrys assets), the Bangladesh Krishi Bank and Rajshahi Krishi Unnayan Bank were created to meet the credit needs of the agriculture sector, while the Bangladesh Shilpa Bank and Bangladesh Shilpa Rin Sangstha were set up to extend term loans to industry. Defining SME: Small and medium enterprises (SMEs) are clearly defined by the Ministry of Industry of Bangladesh. Small businesses in the manufacturing industry are defined as those having fixed assets valued at less than BDT 15 million ($220,000), 50 excluding the value of land. Nonmanufacturing businesses with fewer than 25 workers are also considered small businesses. Current Situation of SME in Bangladesh: Small and medium enterprises (SMEs, industry and service) sector has been treated as a thrust sector and expected to play an important role in healthy performance of industry and service sectors in FY10. At the end of September 2009, banks and NBFIs distributed Tk.248.8 billion to the SME sector which is about 21.9 percent of their total disbursed loan. For promoting small enterprises, BB has directed the banks and NBFIs that at least 40 percent of their total targeted loan for the SME sector should be earmarked for financing small entrepreneurs but at the end of Q1FY10 only 29.2 percent of their SME loan went to small enterprises. Recently Bangladesh Bank (BB) has opened SME and Special Programs Department to help the sector and its clients. As the state owned banks have wide banking network with their large number of branches throughout the country, BB particularly urged the state owned banks together with other banks, to develop area-based lending network where a bank can help e ntrepreneurs directly and timely. Given the prospect of growing domestic demand, regained momentum in export demand, rising trend in capital machinery import and industrial loan disbursement and positive prospect in construction and SME sector activities, the overall growth outlook for industry sector output for FY10 seem reasonably encouraging. According to data of 2008, the total market size for loans to SMEs is estimated to be nearly BDT 400 billion ($5.7 billion). The total amount of SME loans increased by BDT 100.2 billion ($1.4 billion), or 40 percent, to BDT 350.4 billion ($5 billion) at the end of June 2008, in comparison to BDT 250.2 billion ($3.6 billion) at the end of June 2007. In terms of institutional categories, loans extended to SMEs increased from June 2007 to June 2008 among private banks (53.5 percent), nonbank financial institutions (43.4 percent), state-owned banks (32 percent) and specialized banks (15.1 percent). But, SME loans extended by foreign banks are decreased by 20.5 percent. Microenterprise loans range from BDT 20,000 to BDT 500,000 ($287-$7,170), but most such loans range from BDT 20,000 to BDT 50,000 ($287-$717). Very few microenterprises receive loans greater than BDT 50,000. Maturities range from six months to two years. The average SME loan sizes by type of lender are as follows (figures are provided from the period 2003-2006): ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Average bank loan: 408,081 BDT ($5,851) ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Average MFI loan: 38,250 BDT ($548) Banks are the largest source of funding for SMEs. As of March 2008, private banks accounted for 54 percent of SME financing and state-owned banks, 30 percent, followed by specialized banks (10 percent), other financial institutions (4 percent) and foreign banks (2 percent). BRAC Bank and the state-owned BASIC Bank are the key players in SME finance in the country. The South Asia Enterprise Development Facility, SEDF, has also facilitated the a ccess of SMEs to formal financial services. The total SME loan portfolio reached BDT 350.4 billion ($5 billion) in June 2008 (provisional), representing growth of about 15 percent over the six-month period, January through June of that year Table 1:SME loan portfolio 2007-2008 June 2008 (provisional) December 2007 SME Loan (BDT Billions) SME Loan (% of Total Loan Portfolio) SME Loan (BDT) SME Loan (% of Total Loan Portfolio) Private Banks 198.90 19.7% 16248.61 18.2% State Owned Banks 99.19 33.3% 9577.60 22.7% Specialized Bank 32.50 22.9% 3050.38 23.3% Foreign Banks 6.12 6.5% 427.00 5.1% Nonbank Financial Institution 13.68 19.7% 1279.37 18.7% Source: Bangladesh Bank SME Finance As noted above, little data exists on the retail market for SME finance; even less data is available for the refinancing market, making the refinancing gap impossible to quantify. Table 2 presents the most recent available information from Bangladesh Bank on its SME refinancing facility, which is supported by the World Bank and the Asian Development Bank. Three banks-BRAC, Eastern, and Dhaka-accounted for more than 50 percent of the facility. Beginning in July 2008, the facility (called the SME Foundation) planned to disburse an additional BDT 2 billion in refinancing for SME lending, 80 percent of which was targeted at small businesses. Despite these funds, Bangladesh Bank has issued a clear call for additional support, noting that its current resources are not sufficient to close the gap in SME financing. Table 2: Bangladesh SME Refinancing Facility Name of banks or Fis Amount refinanced (BDT millions) No. of beneficiaries Average amount refinanced per enterprise (BDT millions) Working capital Medium term Long Term Total Banks NCC/Bank Ltd. 21.6 155.00 14.8 191.4 796 0.2 Jamuna Bank Ltd. 164.8 29.3 15.4 209.5 152 1.4 National Bank Ltd. 15.1 0.0 0.0 15.0 4 3.8 ONE Bank Ltd. 197.1 141.8 14.8 353.7 445 0.8 Premier Bank Ltd. 239.0 24.5 9.3 272.8 227 1.2 BRAC Bank Ltd. 48.6 637.8 0.0 686.4 1736 0.4 Southeast Bank Ltd. 81.2 3.2 3.5 87.9 86 1.0 Dutch Bangla Bank Ltd. 100.8 1.3 0.0 102.1 56 1.8 Mercantile Bank Ltd. 0.8 34.2 0.0 35.0 344 0.1 Eastern Bank Ltd. 113.8 262.1 243.0 616.2 581 1.1 Dhaka Bank Ltd. 326.5 149.8 0.0 476.3 553 0.9 Trust Bank Ltd. 17.6 0.4 0.6 18.6 15 1.2 Prime Bank Ltd. 198.1 10.7 6.9 215.7 234 0.9 Bank Asia Ltd. 0.3 10 0.0 10.3 21 0.5 Bank subtotal 1,525.2 1,460.1 305.6 3,290.9 5,250 0.6 Financial institutions Uttara Finance Investment Ltd. 8.7 123.1 360.5 492.3 279 1.8 Prime Finance Investment Ltd. 22.5 19.0 14.3 55.8 31 1.8 MIDAS Financing Ltd. 0.7 325.7 168.0 494.4 776 0.6 IDLC of Bangladesh 7.7 317.9 82.9 408.5 348 1.2 Phoenix Leasing Co. Ltd. 11.6 54.1 71.7 137.4 129 1.1 United Leasing Co. Ltd. 60.1 124.9 140.4 325.4 209 1.6 Vanik Bangladesh Ltd. 0.3 0.5 0.0 0.8 2 0.4 Bay Leasing 2.5 5.1 4.7 12.3 8 1.5 Fidelity Assets Securities Co. Ltd. 0.0 9.0 243.5 243.5 143 1.7 Islamic Finance and Investment Ltd. 6.1 120.7 23.2 150.0 125 1.2 Peoples Leasing and Financial Services Ltd. 4 28.9 196.1 229.0 123 1.9 Bangladesh Finance and Investment Ltd. 0.0 12.6 59.3 71.9 25 2.9 IIDFC 17.0 29.3 58.9 105.2 67 1.6 GSP Financing 5.0 0.0 20.8 25.8 6.0 4.3 National Housing Ltd. 4.0 7.6 9.1 20.7 12 1.7 Oman Bangladesh 0.0 1.2 4.0 5.2 21 0.2 International Leasing 4.6 31.8 24.3 60.7 26 2.3 Union Capital 5.0 3.5 9.5 18.0 7 2.6 Fareast Finance and Investment Ltd. 0.0 1.3 0.0 1.3 2.0 0.7 Premier Leasing 0.0 11.4 6.7 18.1 9 2.0 FI subtotal 159.8 1227.6 1488.9 2876.3 2348 1.2 Grand total 1685.0 2687.7 1794.5 6167.2 7598 0.8 During Q4 FY09, the disbursement of term lending by banks and NBFIs increased by 21.85 percent and stood at Tk. 67.96 billion which was Tk.55.78 billion in Q4 FY08. Between Q4 FY08 and Q4 FY09, term lending by PCBs increased from Tk.38.63 billion to Tk.48.12 billion due to their higher activities to increased industry share in lending, SCBs term lending increased also from Tk. 2.10 billion to Tk. 3.17 billion, while term lending by FCBs increased moderately from Tk. 7.51 billion to Tk. 8.12 billion. Term lending by NBFIs also increased moderately from Tk.6.72 billion to Tk. 7.12 billion Unfolding the Findings: SME financing is a new product in the range of services provided by banks. SME loan is different from other loans, not only because this is small in size, but also because its modalities are different. Nevertheless, to foster the growth of SME sector, various financial institutions now offer a wide range of products and services to SMEs in many countries. Unfortunately Bangladesh still has a scarcity of SME financing institutions or SME financing products and services. For example, two banks namely BASIC Bank (SME financing covers almost 100% of the loan portfolio) and BRAC Bank Limited (extends over 50% of the loan portfolio) are specifically devoted to SME financing. Other commercial banks are also open for SME finance, though their coverage is low. However, commercial banks should not be the only source of SME financing. There are other financial institutions, which finance SMEs worldwide, such as the SME Department of International Finance Corporation (IFC), World Bank Group. To enquire about the availability of SME financing products and services, we have surfed a number of commercial banks Website as well as the websites of other financial institutions, such as IDLC of Bangladesh and IPDC of Bangladesh. We have found that some of them do provide some innovative Products or services solely targeting SMEs, while others have repackaged some of their existing products as SME products. Banks SME Products/Services Standard Chartered Orjon Business Installment Loan Trade Finance Auto Loans Working Capital Foreign exchange BRAC Bank Anonno The City Bank Ltd Cash Credit (Hypothecation), Cash Credit (Pledge), Secured Overdraft, SOD Against Work Orders Dutch Bangla Bank Ltd Small Shop Financing Scheme Overdraft, Cash Credit (Hypothecation) Prime Bank Ltd Small Medium Enterprise (SME) Cell Pubali Bank Ltd Term Loan Social Investment Bank Ltd Special Credit Line for Small and Medium shop owners South East Bank Ltd Term Loan Among the non-bank financial institutions (NBFIs), IDLC of Bangladesh mainly focus on SME financing by providing business solutions through financial products like business loan, machinery loan, double loan and lease finance. They have introduced .factoring. first in the country. Among other sophisticated SME financing instruments, Industrial Promotion and Development Company (IPDC) of Bangladesh has introduced the first asset securitization in Bangladesh in 2004, followed by IDLC of Bangladesh with Asset Backed Securitized Zero Coupon Bonds of BDT 190 million in 2005 Non Banking Financial Institution SME Products/Services IDLC Factoring Asset Backed Securitized Zero Coupon Bonds IPDC First asset securitization in Bangladesh in 2004 IFC Leasing, SME Risk Capital, Equity Funds and services like Credit lines, Credit bureaus DBH Home Loan There are many constraints in developing the SME sector in Bangladesh. Several studies have identified different constraints, ranging from access to credit to marketing their products and services. However, access to credit is considered as the main constraint. Commercial banks are found reluctant to extend credit to the SME sector. The main reasons are high risk and monitoring cost. To meet the challenge and reduce the perceived risk in lending to SME sector, the Bangladesh Bank has embarked on a program to expand and redesign the existing refinance window of Bangladesh Bank into Small Enterprise Fund (SEF). However, it was thought that the introduction of .Credit Guarantee/Insurance Scheme or adequate refinancing facilities. By the Bangladesh Bank may be of substantial help in increasing the participation of the commercial banks in SME financing. Private Banks cannot be expected to undertake this type of financing as additional costs and high risk involved. On the ot her hand, NCBs that cater to a variety of sectors, from large industries to SMEs will not also be expected to give special attention that SME financing calls for. Problems That FIs are facing: Unlike banks, FIs have limited scope of mobilizing both public and private deposits due to some restricted policies of the government. In absence of mobilizing funds at comparatively moderate cost, FIs have to procure funds from commercial bank at higher rate of interest to run their investment portfolio. Delay in legal procedures in recovering the non- performing leased assets. corporate tax rate for FIs since they have to pay tax at the rate of 45% p.a. same rate as banks and other financial organization have to pay though the earning spread of FIs is in the range of 2-3% and that of banks 7-8%. Allowing financial institutions to claim depreciation on leased assets as an allowable expense for tax purpose which the government has withdrawn. Banks by offering leasing services are distorting the market on account of their lower cost of funds. Absence of established secondary market to dispose of the repossessed lease assets in case of default cases. Cash credit (CC) and Hypo loans are very secured products of banks that are not allowed for NBFIs. Despite all these constrains FIs should take immediate measures to correct them in their favor and look for diversifying their product ranges along with efficient management practices that can play a greater role in the countrys financial sector and meet the long term investment demand of the country. Major constraints of SME financing: The major constraints of SME financing by banks and FIs can be summarized as: Inadequate knowledge and ability to formulate proper project proposals for seeking institutional finance; Collateral based lending procedures of banks and FIs that are not suitable for SMEs; Complex bureaucratic procedures and corruption; Limited availability of information on technical and marketing aspects of SMEs; Inadequate and ineffective coordination among concerned government agencies; Lack of a functional definition of SMEs that can characterize their unique positions; Absence of proper criteria for selecting potential SME entrepreneurs by the promotional institutions. Initiative Taken by Bangladesh Bank: To address this problem Bangladesh Bank took some initiative; relevant aspects of banking and NBFI regulation are summarized below: ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Refinancing from offshore investors Banks and NBFIs may borrow in foreign currency, providing the effective interest rate does not exceed LIBOR plus 4 percent and the maturity of the facility does not exceed 7 years. NBFIs face additional restrictions. Specifically, the repayment of interest in foreign currency is prohibited for NBFIs (the repayment of the loan principal in foreign currency is allowed). These restrictions may impede banks and NBFIs from accessing important potential sources of international financing-and thus from expanding their SME loan portfolios, given the reported dearth of SME refinancing facilities reported by Bangladesh Bank. ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Transformation Transformation of a bank into an NBFI requires a capital increase from BDT 100 million ($1.4 million) to BDT 2 billion ($28.7 million), and eventually to BDT 4 billion ($57.4 million), beginning in June 2009. ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Foreign direct investment There are no significant hurdles to foreign direct investment in existing banks and NBFIs in Bangladesh. Regarding greenfield operations, foreign investments may be made independently or through joint ventures, although a license must be received for any greenfield operation. Bangladesh Banks reform agenda in the banking sector and NBFI subsector is focused on strengthening competitiveness, specifically, resolving the sectors maturity mismatch and nonperforming loan problems. Items on the reform agenda include restructuring the specialized banks to improve their operational efficiency and alleviate their portfolio quality problems; improving the functioning of the secondary market for bonds and securities; and generally strengthening regulation and supervision. The central bank recently provided updated guidelines to banks to promote SME lending. These guidelines include requiring banks to inform the central bank of the target SME loan portfolio each year; dedicating a minimu m of 40 percent of the targeted amount to small businesses; establishing a dedicated SME function; and reporting on the SME portfolio on a quarterly basis. Conclusion Emergence of NBFIs has created a new avenue in our bank dominance traditional financial system. Traditionally banks are doing such businesses that they are not supposed to do. Long term lending of banks is mostly unfamiliar product for them, and has created a serious distortion in the financial market. Rather than gaining any benefit from such types of activities, the society is now carrying the load of overwhelming default loans. As leasing is considered as an alternative of long term financing many NBFIs have strong performance in leasing business. We found that financing the small scale industries in Bangladesh is the much-talked about, but less implemented issue. Government of Bangladesh has already taken some important steps to patronize the sector including allowance and pension and insurance fund to invest in the capital market, reduction of stamp duties and taxes of issuing cost of bonds and imposition of 10% tax on interest income arising from national savings certificate. Government has already initiated to build a secondary bond market with IMF assistance. It will be better for NBFI sector if the secondary bond market could be established on an urgent basis. In Bangladesh, the limited access to finance is one of the major areas of concern for SME development. Institutions to serve this sector need to have the financial capacity to accept the lending risks along with access to appropriate funding which matches the clients requirements. The financing approach of the commercial and development banks in the country is largely traditional that does not suit the special characteristics of SMEs. They mostly subscribe to the view that collateral and third party guarantee minimize risks for the lenders.

The Civil War Has Changed The Country - 987 Words

The history of America, as a nation is connected through the wars it has entered and how these wars have irreversibly changed the country. â€Å"The Civil War made modern America†¦ [and] we remain connected to this war† (Suri, Lecture 1). This is because the Civil War was an establishment of our nation’s beliefs and freedoms; fought to preserve the Union, this war shaped what America was and would become. The Civil War changed the notion of what liberty was, the transition from negative freedom to positive freedom is an influential aspect of American idealism. The ideal of liberty that emerged from the Civil War, was that the liberty came from the power of freedom (McPherson, 1991). Future wars were fought on the notion of protecting and expanding American interpretation of freedom; and each of these wars brought about change that would otherwise not have transpired. These wars came in three waves: the building of American presence, making the world safe for democr acy as well as fighting oppressive regimes, and exporting democracy. The War of 1898 established America as a major global player. Just prior to this war, Alfred Thayer Mahan’s ideals influence the notion that the United States could project power without occupying societies and this concept was put to the test during the Spanish-American War (Suri, Lecture 7). Cuba was a part of the Spanish empire and seeking to separate itself from it with the help of the United States; however America did not want to get involved.Show MoreRelatedWars And Changes During The United States Essay1181 Words   |  5 PagesWars and Changes in The United States The United States of American is a superpower in the world. Although it just have almost 240 years’ history, it experienced more than 200 wars. As a saying does, â€Å" Bad times make a good man†, the United States never lack of great leaders. 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NMBA Legislated Registration for Proficiency - MyAssignmenthelp

Question: Discuss about theNMBA Legislated Registration Standardsfor Proficiency. Answer: Introduction The Nursing and Midwifery Board of Australia (NMBA) is a professional body that is charged with qualifying, assessing and approving nurses and midwifes who apply to practice in Australia with such organizations as the Australian Nursing Federation (ANF). The NMBA according to Gray, Rowe and Barnes, (2016) provides protection to the members of the general public by ensuring that the nurses and midwifes who are approved for practice are competent and consistent with the laws and standards of the nursing and midwifery practice. NMBA ensures this through several legislated registration standards as discussed in this paper. Apart from the students and the non practicing registrants, the NMBA registration standards are applicable to all of the nurses and midwives in Australia. The NMBA registration standards were formulated in regard to the health practitioner regulation law of 2009 which ensures that all registered health workers meets the professional competency requirements. The registration standards are important in that they ensure safety in health operations along with several core values such as transparency and equality in the practice. Apart from the registration standards, there are also several policies that are used to qualify workers who had a leave from work considering that nursing and midwifery is a female dominated field who often take occasional maternal leaves. Registration Standard: Continuing Professional Development The continuing professional development standard takes into account how nurses and midwifes uphold, advance and widen their awareness, proficiency and handiness. This takes into account even the various personal and individual professional values that one needs to develop and use in their lifetime as health practitioners in the nursing and midwifery field. The CPD standards takes into account the number of hours that one can be allowed to take up for personal development and the number of hours these people need to work (Scanlon, et al 2016). The NMBA under the continuous professional development also provides for auditing which takes place after a specified period of about 5 years. People who seem to be incompetent with the continuous development standard are stopped from practicing as healthcare professionals. This standard would apply to me in the near future as I would still want to pursue an advanced degree in midwifery, child development and maternal health. The CPD standards also help in planning and balancing career and other personal interests in distinct fields. Registration Standard: Criminal History Halcomb, et al (2017) explains that all applicants wishing to practice as nurses in Australia must disclose all information regarding to their criminal history either in Australia or in other countries. They must give information as to whether they have been accused of any offense that deserved a term of more than 12 months and whether they have ever been sentenced or discovered liable of an offense deserving of detainment in Australia or potentially abroad. This information is considered important to guarantee just those medical nurses and midwifes who are reasonable and safe to practice are conceded enrollment in Australia. There however finer details stipulated in the criminal history regulation that ascertains the nature and magnitude of crimes that one has committed in their lifetime, the period after which one was convicted, the sentence or verdict passed by the jury, the age at which the practitioner is said to have committed the crime and the practitioners behavior since the offence. This regulation standard would help in determining the likelihood of threat that workers may impose and to guide my character relating to the profession requirements. It also helps to remain consistent with constitutional laws as their effects are far fetching and would guarantee termination of my career. Registration Standard: English Language The English language registration standard maintains that applicants whether aboriginal or immigrant should show mastery of the English language communication skills. The individual should have relevant skills both in writing and communicated English. One must fully satisfy that he or she has undergone the primary and secondary English classes and has fully completed and passes in the English language. One should also provide documents acting as proof that the course of the practice he or she is applying for was taught and assessed in English. According to Small, et al (2016) this would help me in communication with staff and patients and ensuring unity of purpose in the activities. It also boosts counseling activities and advisory in a language that is relevant to the patient. Proficiency in the English language will also act as proof that one competent in the medical term and language of identification and medical procedures. Registration Standard: Professional Indemnity Nurses and midwives are barred from operating if they dont have the appropriate professional indemnity insurance (PII) that relates to their area of professional expertise. This helps to protect the members of the general public from being misled by uninsured professionals. PII provides the necessary legal insurance against civil liability in the professional practice in order to cater for claims or charges of negligence, omission or a professional malpractice. Professional indemnity would help me to get cover from civil claims and to get a job both with the government and private based institutions. The PII would also serve to shield from uncovered claims that may arise from a previous practice. It would also cover me from reinstatement and also help in maintaining morals in ethics in the practice to avoid losing the personal indemnity insurance as Middleton, et al (2016) explains. Registration Standard: Recency of Practice Under the recency of practice, NMBA ensures that all applicants and all people practicing the profession have successfully completed a registered course under NMBA and is registered with a nursing or midwifery regulatory authority. This registration standard also ensures that the roles that one performs are relevant with the education and experience that one has and it also ensures that one has completed a period of supervised practice with NMBA. The standard also ensures that one has had not less than 450 hours of practical experience (Edmonds, et al 2016). This registration standard relates to my future practice in that I must ensure that I undergo and complete the course successfully and at least attain minimum requirements of operation. It also would help me to consistently deal with nursing and midwifery activities only at the place of work. Summary of the Scenario After working for 10 weeks as a graduate enrolled nurse, you are in an acute medical ward and you have been asked to insert and replace a nasogastric tube that has become blocked. You have not performed or witnessed this since the laboratory integrated skills class. Immediate Actions The immediate actions would on the risk factors that might pose a risk on the insertion of the nasogastric tube and the existing NMBA regulations. The practice should always be consistent with the professional indemnity regulation standard among the other laws. However other factors such as medical conventions of moral courage, transformational leadership and consistency to the Hippocratic Oath should be considered as a priority. In case of unsure course of action, due consideration and consultation is necessary in order to provide the best care in handling the replacement. Birks, et al (2016) explains that some of the main immediate actions include checking for any ear, throat or nose abnormal conditions that may threaten the life of the patient. The oesophageal varices strictures that may make it hard to perform the operation. Lastly, anatomical abnormalities and the risk of aspiration should also be consistently checked to ensure the success of the insertion and replacement. However, on normal cases, such risks are considerably minimal. If at one given time it appears so difficult, I would consider attending some refreshing classes in order to gain some competence. Identified Learning Needs The skills and knowledge that should be very essential in performing this operation include the skills of measuring, cutting and lubricating the tube. Proper identification of the type of tube is also very necessary. The medical practitioner should also be in a position to assess the age of the child and thus easily identify the correct measurement necessary for the child. Careful insertion of the tube also demands that the health practitioner has the relevant skills such as making the child to sit upright which in turn helps to avoid some of the critical conditions such as breathing difficulties, vomiting or coughing. The medical practitioner also requires having sufficient knowledge of the gastrointestinal tract, the digestion process and absorption of the digested food. It is also required that the practitioner is able to inform the patient on the procedure of insertion and the reasons for the operation to the patient. This in turn demands that the medical professional has this relevant knowledge in order to fully and sufficiently explain to the patient. The medical practitioner should then have the necessary knowledge of verifying in the tube has been correctly placed such as the PH test (Boyko, et al 2016). Learning Activities that Necessitate a Successful Performance of the Skill in Future In order to successfully perform the insertion correctly in future, one needs to undertake various learning activities. The learning activities are centered in line with the continuous professional development of the nurse or midwife. The various learning activities include the indications for the practice. The indications may be either to relieve the upper part of the tract, to feed to child or both. This may not influence any differences in the operation but it provides the comprehensive framework on why the replacement and insertion is necessary. According to Schultz and Gtz, (2016) other activities that the nurse needs to revisit include gaining the consent from the patients, the knowledge of measuring and identifying several sizes that best fit the patient. The preparation and insertion techniques are also of great essence in order to guarantee a successful future operation. Lastly, the verification of the correct positioning which is conducted using the PH tests, chest x-ray or the syringe test is then very essential to avoid inconveniences. Conclusion In conclusion, it is of great essence to point out that nurse and midwifes need to be consistent with the NMBA regulation standards in their day to day operations. The use of English language, professional indemnity and continuous professional development among others and they also need to follow the decision-making framework. This helps to challenge various obstacles in the field and give the correct and consistent medication to patients with minimal defects. Refrerences Birks, M., Davis, J., Smithson, J., Cant, R. (2016). Registered nurse scope of practice in Australia: an integrative review of the literature.Contemporary Nurse,52(5), 522-543. Boyko, J. A., Carter, N., Bryant?Lukosius, D. (2016). Assessing the spread and uptake of a framework for introducing and evaluating advanced practice nursing roles.Worldviews on Evidence?Based Nursing,13(4), 277-284. Edmonds, L., Cashin, A., Heartfield, M. (2016). Comparison of Australian specialty nurse standards with registered nurse standards.International nursing review. Gray, M., Rowe, J., Barnes, M. (2016). Midwifery professionalisation and practice: Influences of the changed registration standards in Australia.Women and Birth,29(1), 54-61. Halcomb, E., Stephens, M., Bryce, J., Foley, E., Ashley, C. (2017). The development of professional practice standards for Australian general practice nurses.Journal of Advanced Nursing. Middleton, S., Gardner, A., Della, P. R., Lam, L., Allnutt, N., Gardner, G. (2016). How has the profile of Australian nurse practitioners changed over time?.Collegian,23(1), 69-77. Scanlon, A., Cashin, A., Bryce, J., Kelly, J. G., Buckely, T. (2016). The complexities of defining nurse practitioner scope of practice in the Australian context.Collegian,23(1), 129-142. Schultz, J. S., Gtz, K. (2016). 4 Collaborative decision-making.Ethics and Professionalism in Healthcare: Transition and Challenges, 39. Small, K., Sidebotham, M., Fenwick, J., Gamble, J. (2016). Midwifery prescribing in Australia.Australian Prescriber,39(6), 215.

Saying Goodbye to Google Authorship Photos

by Sienna Luard Just when everyone begins to get used to Google Authorship profile photos, it announces that it’s not going to display them anymore in search results pages. In a bid to â€Å"clean up† the design of its results pages, Google has removed profile photos and the Google+ circle count where authorship is assigned to a web page. While some content publishers and marketers are concerned about how this will affect their visibility, others aren’t so troubled by the change. But could this affect click-through rates, and how should you react to this tweak to Google Authorship? Do You Need to Change Your Content Strategy? Fortunately for authors and content marketers, there’s actually nothing you need to change about the way you produce content. Your authorship still remains in place and all of the Google+ author profile structure stays the same. There’s no need to delete your profile picture, and it should still help strengthen your credibility in the eyes of Google. Before, if you were an author on a higher ranking website, you would get your profile picture displayed in Google’s search results pages. Now, just your profile name and the date of the post will be shown. Writers that produce new content less than once per week on a website with a lower domain authority could get their profile name removed completely. To a certain extent, the new format levels out the playing field, in that none of the search results will have profile images next to them. But if you want to see your profile name displayed, you still need to regularly publish content on a high-ranking website. Cons istently writinginformative SEO content also remains the best way to gain higher search engine rankings. Although Google experts claim that after tests, CTRs are similar in the new format, most people know that in reality this is likely to have a negative impact on the number of people that click on your content. Without an image, your listing simply doesn’t stand out as much on the page. The best way to improve click-through rates is to continue to use compelling titles that are intriguing, surprising, or revealing. Should You Forget About Authorship Altogether? You should definitely continue to use Google Authorship to verify your content. Google may decide to make more use of Author Rank data in the future, so doing everything you can now to improve your credibility could help you in the long term. Besides, having your profile name listed in the search results is still a boost to your online visibility and should still influence the click-through rate. Ultimately, if you develop a content strategy that informs, educates, and entertains your audience, you don’t have to worry about whether a picture of your face appears in search results pages. The Take-Away When it comes to Google, you can be sure that its algorithms and the way it displays search results will continue to change from one year to the next. However, one thing is likely to remain the same: Google will reward high-quality, unique content. As long as you continue to publish great content that engages your target audience, you will continue to increase your credibility with the search engines and your readers. The profile picture was a good way to attract attention to your content, but it didn’t actually improve your search rankings directly. While your Google Authorship profile picture will disappear from search results pages, it doesn’t stop your voice from being heard.

Identifying Behavior for a Functional Behavior Analysis

Identifying Behavior for a Functional Behavior Analysis Identify Behaviors The first step in an FBA is to identify the specific behaviors that are impeding a childs academic progress and need to be modified. They will most likely include one or more of the following: Leaving their seat during instruction.Calling out answers without raising their hand, or without permission.Cursing or other inappropriate language.Kicking or hitting other students or staff.Inappropriate sexual behavior or sexualized behavior.Self-Injurious Behavior, such as head banging, pulling fingers back, digging at skin with pencils or scissors. Other behaviors, such as violent ideation, suicidal ideation, long periods of crying or withdrawal may not be appropriate subjects for an FBA and a BIP, but may require psychiatric attention and should be referred to your director and the parents for appropriate referrals. Behaviors related to a clinical depression or schizo-effective disorder (early pre-cursor of schizophrenia) may be managed with a BIP, but not treated. Behavior Topography The topography of a behavior is what the behavior looks like objectively, from the outside. We use this term to help us avoid all the emotional, subjective terms we might use to describe difficult or annoying behaviors. We may feel that a child is being disobedient, whereas what we see is a child who finds ways to avoid classwork. The problem may not be in the child, the problem may be that the teacher expects the child to do academic tasks that the child cannot do. A teacher who followed me in a classroom put demands on the students that did not take their skill levesl into account, and she harvested a boatload of aggressive, defiant and even violent behavior. The situation may not be a problem of behavior, but a problem of instruction. Operationalize Behaviors Operationalize means to define the target behaviors in ways that they are clearly defined and measurable. You want the classroom aide, the general education teacher and the principal all to be able to recognize the behavior. You want each of them to be able to conduct part of the direct observation. Examples: General definition: Johnny doesnt stay in his seat.Operational definition: Johnny leaves his seat for 5 or more seconds during instruction. General definition: Lucy throws a tantrum.Operational definition: Lucy throws herself on the floor, kicks and screams for longer than 30 seconds. (If you can redirect Lucy in 30 seconds, you probably have other academic or functional fish to fry.) Once you have identified the behavior, youre ready to start collecting data to understand the function of the behavior.

Start Something Using Process.Start in VB.NET

Start Something Using Process.Start in VB.NET The Start method of the Process object is possibly one of the most underappreciated tools available to a programmer. As a .NET method, Start has a series of overloads, which are different sets of parameters that determine exactly what the method does. The overloads let you specify just about any set of parameters that you might want to pass to another process when it starts. What you can do with Process.Start is really only limited by the processes you can use with it. If you want to display your text-based ReadMe file in Notepad, its as easy as: Process.Start(ReadMe.txt)or Process.Start(notepad, ReadMe.txt) This example assumes the ReadMe file is in the same folder as the program and that Notepad is the default application for .txt file types, and its in the system environment path. Process.Start Similar to Shell Command in VB6 For programmers familiar with Visual Basic 6, Process.Start is somewhat like the VB 6 Shell command. In VB 6, you would use something like: lngPID Shell(MyTextFile.txt, vbNormalFocus) Using Process.Start You can use this code to start Notepad maximized and create a ProcessStartInfo object that you can use for more precise control: Dim ProcessProperties As New ProcessStartInfoProcessProperties.FileName notepadProcessProperties.Arguments myTextFile.txtProcessProperties.WindowStyle ProcessWindowStyle.MaximizedDim myProcess As Process   Process.Start(ProcessProperties) Starting a Hidden Process You can even start a hidden process. ProcessProperties.WindowStyle ProcessWindowStyle.HiddenBut be careful. Unless you add more code to end the process, youll probably have to end it in Task Manager. Hidden processes are normally only used with processes that dont have any kind of a user interface. Retrieving the Name of a Process Working with Process.Start as a .NET object gives you a lot of capability. For example, you can retrieve the name of the process that was started. This code will display notepad in the output window: Dim myProcess As Process Process.Start(MyTextFile.txt) Console.WriteLine(myProcess.ProcessName)This was something you could not do with the VB6  Shell command because it launched the new  application  asynchronously. Using  WaitForExit  can cause the reverse problem in .NET because you have to launch a process in a new thread if you need it to execute asynchronously. For example, if you need the components to remain active in a form where a process was launched and  WaitForExit  was executed. Ordinarily, those components wont be active. Code it up and see for yourself. One way to force the process to halt is to use the Kill method. myProcess.Kill() This code waits for ten seconds and then ends the process. However, a forced delay is sometimes necessary to allow the process to complete exiting to avoid an error. myProcess.WaitForExit(10000) if the process doesnt complete within 10 seconds, kill itIf Not myProcess.HasExited ThenmyProcess.Kill()End IfThreading.Thread.Sleep(1)Console.WriteLine(Notepad ended: _ myProcess.ExitTime _Environment.NewLine _Exit Code: _myProcess.ExitCode) In most cases, its probably a good idea to put your processing in a  Using  block to ensure that the resources used by the process are released. Using myProcess As Process New Process Your code goes hereEnd Using To make all this even easier to work with, there is even a  Process  component that you can add to your project so you can do a lot of the things shown above at  design time  instead of run time. One of the things that this makes a lot easier is coding events raised by the process, such as the event when the process has exited. You can also add a handler using code like this: allow the process to raise eventsmyProcess.EnableRaisingEvents True add an Exited event handlerAddHandler myProcess.Exited, _AddressOf Me.ProcessExitedPrivate Sub ProcessExited(ByVal sender As Object, _ByVal e As System.EventArgs) Your code goes hereEnd Sub But simply selecting the event for the component is a lot easier.

Nike Sweatshops Case Study Example | Topics and Well Written Essays - 500 words

Nike Sweatshops - Case Study Example According to the paper the suffering was based on working long hours some up to 13 hours in a day, the overtime was forced upon the employees and not compensated, and there were higher case of child labor encompassing children of even 8 years working for around 9 hours in a day. This was in addition to the extra low wages they were being given which was way lower than the recommended minimum wages in the country as well as being physically punished by the supervisors. From this paper it is clear   that the ethical framework approach ensures a reduction of the suffering mentioned above and increases the benefits that the workers can accrue by working in Nike Inc. especially in the Asian nations of Vietnam, Taiwan where the suffering was in excess. This means starting with the issue of how workers are being treated where they are physically abused by the supervisors. This should be followed by the issue of eliminating completely child labor as this is morally wrong. The issue of working hours and overtime should be addressed according to the international labor laws. This should be followed by the wages being paid to be raised to at least the minimum wage required. In the end, the workers will be happy working for the organization which will in turn increase their productivity as well as save the company from having to use large sums of money paying off the politicians and other health officials to avoid being exposed or inspection of the factorie s. Nike should have first paid the employees for the pain they have caused them all this long. This should have been followed by a public apology from the top management of Nike Inc. who would express their unethical behavior and the changes that would follow.

Current Event Essay Example | Topics and Well Written Essays - 500 words - 1

Current Event - Essay Example s to achieve a two-fold objective, to wit: (1) to provide explanations on the issues discussed within the article; and (2) to demonstrate the ways that the article is related to the course material. Terkel noted Pelosi to emphasize that Republicans were advancing three legislations that limit or restrict access to abortion by (1) preventing the use of taxpayers’ money to fund abortion-related services; (2) denying tax credits to employers or business establishments that allow health coverage of employees with abortion access; (3) denying â€Å"federal family-planning funds under Title X to groups that offer abortion access† (Terkel, 2011, par. 4); and (4) allowing hospitals to turn away women who opt to terminate pregnancy even for the purpose of saving lives (Terkel, 2011, par. 5). The concerns raised by Pelosi are related to the issues on women’s health, particularly on reproductive health and reproductive rights (Kirk and Okazawa-Rey, 2004, p. 173). The topic of abortion is still a controversial issue when taken within a global perspective. Not only to take into account the issue seen as barred and illegal in predominantly Catholic nations, the issue has been monitored to provide risks to women (Malter and Wind, 2012). Accordingly, â€Å"research from WHO shows that complications due to unsafe abortion continued to account for an estimated 13% of all maternal deaths worldwide in 2008; almost all of these deaths occurred in developing countries† (Malter & Wind, 2012). The concern on Pelosi, as disclosed in the article focused primarily on the legislation that sought to deny federal family planning funds to groups that offer access to abortion services. As averred, â€Å"I cant believe that everybody who is anti a womans right to choose is anti-birth control and contraception and family planning† (Terkel, 2011, par. 7). Aside from denying rights to avail or restrict access of services to abortion, these legislations actually aim to limit the funds to be

University of Phoenix Material Essay Example for Free

University of Phoenix Material Essay My personal plan is to obtain my Bachelors Degree in Hospital Administration. I have chosen the University of Phoenix as the school to attend to obtain my degree. During these first few weeks I have used several different tools to help me understand my career interests, competencies, and my career ethics. These tools have helped reiterate what I already knew about myself but have also made me reconsider some of my education / career goals. Content and Development (70 points) Points Earned: X/70 Resources: Career Interests Profiler results My Career Plan Building Activity: Competencies results Your SMART goals, including those identified on the University of Phoenix Material: Goal Setting Tools: Sample Outline in the CWE MyFoundationsLab: The Writing Process MyFoundationsLab: Prewriting MyFoundationsLab: Developing and Organizing a Paragraph MyFoundationsLab: The Topic Sentence MyFoundationsLab: Recognizing a Paragraph Reflect on your results from the Career Interest Profiler activity and Career Plan Building Activity: Competencies. Complete the University of Phoenix Material: Outline and Introductory Paragraph Worksheet. In your outline and introduction, consider the following: Your personal educational and career goals. How should your career interests and competencies help guide you in your personal academic journey? How might you use your personal ethics, your My Career Plan competencies and reasoning aptitude results to guide your academic journey as you work through your program? Mechanics (30 point) Points Earned: X/30 Appropriate tone is used. Sentences are complete and clear. Spelling is correct. Total (100 points) Points Earned: X/5 Overall Comments:

Hegel and Kant on the Ontological Argument Essay -- Philosophy Philoso

Hegel and Kant on the Ontological Argument ABSTRACT: I intend to present Kant's refutation of the ontological argument as confronted by Hegel's critique of Kant's refutation. The ontological argument can be exposed in a syllogistic way: everything I conceive as belonging clearly and distinctly to the nature or essence of something can be asserted as true of something. I perceive clearly and distinctly that existence belongs to the nature or essence of a perfect being; therefore, existence can be stated as true of a supremely perfect being, that is, perfect being exists. I intend to argue that Kant criticizes both the major and minor premises. To the major premise, he objects that there is an unqualified passage from the logical to the ontological level. To the minor premise, he objects that existence is not a concept predicate. Finally, I will show how Hegel criticizes Kant's refutation. To the former, Kant's critique is naà ¯ve as he could prove that existence is not inherent to a finite being's concept, which is not the co ncept of God. I. The Ontological Argument Kant's refutation of the ontological argument-which states that from the concept of a being containing every perfection it is possible to infer its existence-is well known: "In whatever manner the understanding may have arrived at a concept, the existence of its object is never, by any process of analysis, discoverable within it; for the knowledge of the existence of the object consists precisely in the fact that the object is posited in itself, beyond the (mere) thought of it" (KrV,B667, trans. Kemp Smith) Existence being neither a predicate nor a perfection, it cannot be inferred from the concept of the most perfect being beyond its concept. Kant's critic... ...e. Notes (1) The ontological argument was first stated by Anselm in the Proslogium, Anselm defines God as a being related to whom nothing superior can be conceived. He inquires on the possible existence of such a being in ours mind only, that is , as an object of thought. The answer is negative, for such a being would be one related to whom a superior could be conceived. The ontological argument presented by Descartes in the fifth Meditation is essentially a modern version of Anselm's argument. (2) G. Dicker, Descartes: an analytical and historical introduction, Oxford, Oxford University Press. (3) Strawson, The bounds of Sense, London, Routledge, 1966, p. 225. (4) Cf.Hegel, Enzyklopà ¤die der philosophichen Wissenschaften, SuhrKamp, ed. Moldenhauer Michel, , & 51 (5) Cf.Hegel, Vorlesungen à ¼ber die Philosophie der Religion, ed. Jaeschke, III, p.324.

Organizational performance Essay

Today’s society is diverse and rapidly changing and it is the organisation’s ability to adapt or be in fit with the external environment that will determine its overall performance. Ethical issues arise throughout all organisations daily activities but it is the continual debate about what is right or wrong that will shape ethical decision making now and for generations to come. This essay aims to investigate culture within the internal environment and how culture plays a role in an organisation’s ability to fit in with the environment. According to (Samson and Daft, 2003:80) the internal environment is â€Å"composed of present employees, management and business culture†. This essay will investigate how culture plays a role in the organisations overall success. In addressing the issue it will be shown how the external environment has changed in terms of how organisations are evaluated. How changing an organisation’s culture can help the organisation be in fit with the external environment and how the success of changing culture may depend on the level of employee moral development. It is argued that the organisation’s performance depends on a fit between the organisation and its external environment. Body Key point 1: How the external environment has changed in terms of how organisations are evaluated. The external environment has changed with respect to how organisations are evaluated today. According to ( Samson and Daft, 2003:79) the external environment is â€Å"all elements existing outside the organisation’s limitations that have the possibility to affect the organisation†. Companies around the world have started to realise that investors are not concerned exclusively with financial performance (Tschopp, 2003). The days of companies being  evaluated on their financial performance are gone and companies are now finding that they are being evaluated on a more overall perspective. Increasing the ethical obligations can help an organisation when adapting to the external environment. According to ( Samson and Daft, 2003:147) ethics is † the code of honourable principles and standards that governs the behaviours of an individual or group with respect to what is correct or incorrect.† If ethics is incorporated as part of the organisation this can lead to improvements in the workplace and towards society. The triple bottom line approach has been introduced as a way of achieving overall success both internally and externally throughout the organisation. Triple bottom line entails reporting on economic, social, and environmental issues. Corporate success should be considered not just by the traditional financial bottom line, but also by its social/ethical and environmental performance ( Samson and Daft, 2003). Triple bottom line has not only put the emphasis on managers to not only make a profit but to also consider the surrounding external environment that they could be affecting. Businesses now report annually on social and environmental performance as well as their financial performance because they know it provides a more complete measure of long-term value creation and strategic opportunity (Tuchman. J, 2004). Key Point 2: Organisations need to change to fit. They can do this by changing an organisation’s culture to fit in with the external environment. The external environment has altered and it’s the organisation’s ability to change to keep in touch with the external environment that determines its performance. One way an organisation can change to keep in contact with the environment is by altering it’s culture. According to (Samson and Daft. 2003: 94) culture is â€Å"the knowledge, beliefs, values, behaviours and ways of viewing shared among members of a society†. Organisational culture has been defined, in very simple but intuitive words, as â€Å"the way we do things around here† (Domenec, 2003). The notion that we can make others do what we want them to do by persuading them to want to do  it is one that has a long pedigree. This notion became formalised as an integrative view of organisation culture and became more ingrained after the publishing of the book In Search of Excellence in 1982 (Thomas J. Peters and Robert H. Waterman, Jr., 1982) Moving towards greater corporate responsibility may require culture change or at least cultural re-enforcement. The fundamental values that exemplify cultures at these and other organisations can be understood through the noticeable manifestations of symbols, stories, heroes, slogans and ceremonies. Any organisation’s culture can be interpreted by observing these factors (Samson and Daft, 2003:95). By incorporating symbols, stories, heroes, slogans and ceremonies into an organisation’s culture they will be able to adapt to the changing external environment. According to (Samson and Daft, 2003:97) slogan is † a phrase or sentence that succinctly expresses a key corporate value†. Hungry Jacks for example has the slogan † The burgers are better at Hungry Jacks†. They have incorporated this slogan as part of their culture to try and separate them from the other competitors. By incorporating the different types of culture into and organisation, may change the way managers and employees think to incorporate social and natural environmental responsibilities into the workforce. Key Point 3: The success of changing culture may depend on the level of employee ethical development. The success of changing culture can depend on numerous factors but the level of employee ethical development plays a role. The three levels of personal moral development could pose a problem for employee ethical development. The theory developed by Kohlberg goes through the different stages of employee development from pre-conventional to post conventional. Starting at the pre-conventional level which focuses on right vs. wrong and the behaviour is on one’s self to the conventional level which focuses on the  group rather then one’s self. Then lastly Kohlberg’s post-conventional level of individual development which focuses on abstract and self-chosen principles (Arnold and Lampe, 1999). Kohlberg’s theory brings attention to the fact that if employees are going in different directions it can hinder the success of an organisation. If there are employees who are focusing on what is right vs. wrong and other employees who are following self chosen principles even though they know people hold different views. In this sense, the greatest danger to modern organisations is the betrayal of â€Å"ambitious, selfish, untrustworthy people who care more for their own progression than the mission of the organisation† (Domenec, 2003). Since each person is unique, each one can focus on personal accomplishment in very different ways (Domenec, 2003). Conclusion This essay investigated culture within the internal environment and how culture plays a role in an organisation’s ability to fit in with the environment. In support of this argument there has been evidence supported to show how organisations incorporate culture to be in fit with the changes of external environment. Organisations are finding that they are being evaluated not only on their financial status but also their social and environmental performance. This has meant that organisations have had to change their culture to compensate in the change in evaluation. An organisation culture can be observed through such factors as slogans and symbols which now have to coincide with the external environment. The success of the changing culture can depend on the level of employee ethical development and at what stage everyone is at. If an organisation is united and following the same path or views they may find greater overall success. Views that link an organisation’s culture with its performance seek to shape managers and employees understandings in a common and coherent direction (Kolter and Keskett, 1992). Bibliography: 1. Samson, D., & Daft, R.L. (2003) Management: Pacific rim edition. Victoria: Thomson. 2. Thomas J. Peters and Robert H. Waterman, Jr., In Search of Excellence: Lessons from America’s Best-Run Companies (New York: Warner Books, 1982), 3. Tuchman, J. 2004, Big Owners Balance Triple Bottom Line [online], Available from URL: http://www.enr.com/news/bizlabor/archives/040809-1.asp 4.

No Phones in School Essay

Cell phones are good for education. Cell Phones are good for education for many reasons. First you can use cell phones for research purposes. Although most schools have at least 1 computer in the classroom and a computer lab, sometimes this still isn’t enough. It can also be expensive to provide a computer to each student at school, so a good option is to use cell phones for research instead. Next, I want to talk about why apps are good for education. Some people think that some apps are bad and kids will get distracted and use them in class. And the truth is that cell phones have many educational apps as well. Which do you think would be more fun and exciting for a student? Either studying with a boring book that is hard to understand, or playing an educational app that is still studying, but much more exciting. I would definitely choose the second choice. Here are some good features of phones that are good for school: 1.Calculator. It doesn’t matter if your phone is expensive or not, almost every single phone has a calculator. Lots of students are required to have a calculator as one of their school supplies, but if they have one on their phone, then they don’t have to get one. 2. Stop Watch. Lots of phones have a stopwatch, which can be used in science class. I know that when I was in public school we used stopwatches all the time for experiments, and the teacher only had 3 stopwatches so we had to take turns. 3. Dictionary. Cell phones can be used as a dictionary, which can be VERY useful in a classroom setting. You can always search on the Internet for the definition, or if you classroom or school doesn’t have wi fi, you can text to 466-456 the word you need defined and Google will text you back the definition of that term.

buy custom Multiculturalism and Crisis Intervention essay

buy custom Multiculturalism and Crisis Intervention essay This type of counseling is more of collaborative counseling approach. Although it is believed that it is good for a counselor to have background information about the group being counseled, this is not the case as sometimes it is not necessary at all. The point is that a problem which the patient has is related to the culture where one comes from might be general. When the subject of multicultural competence comes in, the counselor is forced to be biased. The implementation of therapist knowledge is solemnly dependent on the condition of the patients but not the culture they come from. Counselors should be highly qualified and able to exercise institutional intervention skills on behalf of the members hence applying counselling approaches through assisting participants in identification of whether the problem stems from bias or racial prejudice. Counselors interact with the members in the language preferred by them and in case this is not possible refer to a person speaking the langu age of the patient. For crisis to be solved, the parties involved must meet and have strategies on how to end the crisis. Solving a problem that engages a group of persons is not solving an individual crisis because the situation leads to aftermath that affects other group members. This issue has led to use of Eco systemic crisis solving model that encompasses the whole region or at least a community. The group intervened should be neutral in order not to favor any side. Mostly, it includes the leader who ommunicates the benefits of conscientious approach of resolving the issue to the affected group. These circumstances help to meet the guide to influence victims on the importance of reaching to a consensus; they should talk of the positive impacts towards the victim concerned. The group mates should try to bring the situation back to how it was before the crisis. Consensus between the parties is the engine, which sustains power and decisions to be identified and addressed to the victims of the crisis. The leader-effecting consensus ought to know how to handle the matter concerning the affected society that will promote coexistence between the ethnic groups. Basing ones arguments on multicultural view, multicultural counseling in relation to racial ethnicity is focused on inferiority model or what may be termed as pathological framework. This model views the minorities or the blacks to be lower than the majority or the whites on the evolutionary scale, thus proved to be more pathology that is inherent. Multicultural standpoint also assumes the blacks, ethnic minority and other racial group to be deficient in desirable genes. As a result, such difference between minority and whites reflects genetic and biological inferiority. It follows that culture is blamed instead of blaming gene that is not common to everybody. Apart from that, deficit notion of cultural component is meaningless due to that everybody in the society inherits the culture. The proponent of multicultural view means that ethnic and racial mminority does not have the proper culture. Hence, ethnic and racial features have shown that minorities are inherently pathological. Only people from a certain culture are tied up by beliefs as well as the benefits of the culture. Socially constructed group means some differences exist in other groups; such differences become important for peoples worth in society. In many cases, different groups gain privileges as compared to others based on the distinguishing of individuals on the ethnic or racial grounds. The distinction concerning ethnic or racial difference may occur for some reasons. However, the main stimulators are usually political, economic and social powers determining who should join the group. The construction of ethnic and racial hierarchies to some groups depends on competition for better resources or the drive for advance privilege. These hierarchical classifications are utilizing to develop and establish dominance or hegemony of the group over others. The interactions of a culture play nearly insignificant role in crisis resolution. The research has shown that crisis is unique because ecological determinant of individual is unique; therefore, it plays minor role in solving crisis issues. The consideration of developmental factors maintains provision of the context by the environmental factors, which include community resources and interpersonal relationship. This obstacle makes it even more complex, therefore, leading to difficulties in the resolution. Buy custom Multiculturalism and Crisis Intervention essay

How to Make Polite Requests in Spanish

How to Make Polite Requests in Spanish Telling someone what to do can sound rude or impolite. So in Spanish, just as in English, there are a variety of ways of asking people to do something or of making what might be called mellow commands. For example, in English, instead of telling someone, give me a cup of coffee, it would be far more polite to say something like I would like a cup of coffee. Add a please to that with a friendly tone of voice, and nobody will be able to call you rude! Following are some of the most common ways of making polite requests, the equivalent of something such as I would like, in Spanish. Any of these ways will likely be understood wherever you go in the Spanish-speaking world, although usage varies with region. Querer (I Would Like) Although it may seem grammatically illogical, the imperfect subjunctive form of querer (usually translated in this context as I would like), quisiera, is a common colloquial way of stating wishes and making polite requests. The normal sequence of tenses applies, so when quisiera is followed by a conjugated verb, the following verb must be in an imperfect subjunctive form. Other forms of querer including the present and conditional tenses also can be used in either statement or question form. Quisiera unas manzanas. (I would like some apples.)Quisiera comer ahora. (I would like to eat now.)Quisiera que salieras. (I would like you to leave.)Quiero dos manzanas. (I want two apples.)Quiero comer ahora. (I want to eat now.)Quiero que salgas. (I want you to leave.) ¿Quieres darme dos manzanas? (Do you want to give me two apples?) ¿Querrà ­as darme dos manzanas? (Would you like to give me two apples?) Gustarà ­a in the Conditional Form The verb gustar (which can be translated as to be pleasing) can similarly be used in the conditional form, gustarà ­a, to make gently worded requests. Me gustarà ­a que estudiaras. (I would like you to study.)Me gustarà ­a que ambos observasen el comportamiento de su hijo. (I would like both of you to observe the behavior of your son.)Me gustarà ­an dos manzanas. (I would like two apples.) ¿Te gustarà ­a darme dos manzanas? (Would you like to give me two apples?) Note how in the first two examples the second verb (the one after gustarà ­a) is translated as an infinitive in English. Poder (To Be Able) This verb meaning to be able or the auxiliary verb can can be used as a question in the conditional or imperfect indicative tense.  ¿Podrà ­as darme dos manzanas? (Could you give me two apples?) A Ver Si as a Gentle Request The phrase a ver si, sometimes misspelled as haber si, which is identical in pronunciation, can be used to form the gentlest of requests. Although it is close in meaning to the English lets see if, it can be translated in a variety of ways. A ver si estudias ms. (Perhaps you could study more.)A ver si comamos juntos un dà ­a. (Lets eat together some day.)A ver si tocas el piano. (Lets see if you can play the piano.) Saying Please The most common ways of saying please are the adverbial phrase por favor and the verb phrase hgame el favor de (literally, do me the favor of). Although you are unlikely to be criticized for overusing por favor, its usage does vary with region. In some areas, its use is expected, while in others it might not commonly be used when asking someone to do something that he or she is expected to do, as when ordering a meal from a restaurant server. And remember, ​too, that tone of voice can have as much to do with how a request is received as its grammatical form can. Por favor usually is placed after a request, although it can also come before: Otra taza de tà ©, por favor. (Another cup of tea, please.)Quisiera un mapa, por favor. (I would like a map, please.)Por favor, no dejes escribirme. (Please, dont quit writing to me.)

Qualities of a good theory Essay Example | Topics and Well Written Essays - 250 words

Qualities of a good theory - Essay Example A good theory is mostly valid in different situations and is persuasive and helps people to sort out issues by consulting the theory. There are many popular theories that are used to understand and evaluate various problems and conflicts in life. However, these theories are not always valid. A theory is valid in a specific situation. According to Prit (2008), Crime is a very complex social issue and so are its theories. Conflict criminology is of much more importance and can be used as example of such a theory that is popular but not always valid. Conflict criminology as described by Bernard in â€Å"Vold’s Theoretical Criminology† (2009) is a theory in which, it is explained that conflicts exist between groups on the basis of interests and criminological acts by criminals are a result of conflicts existing between subordinate groups and dominant groups. The subordinate groups act against the dominant groups due to which, crime is created (Bernard, et al, 2009). The the ory of conflict criminology discusses the issue of conflict behind any criminal act and forms an opinion that crimes are a result of conflict arising between groups on issues that are conflicting (Hagan. 2010).

Film Report Movie Review Example | Topics and Well Written Essays - 1000 words

Film Report - Movie Review Example The theme of the movie is the conflict between the two regions of the United States, the South being dominated by African-American slaves. The theme was clearly revealed, although there were already hints in the beginning that it involves war scenes, during the attack initiated by a black militia group to the houses owned by white Americans in the village, including the house of the Camerons. In emphasizing the central theme of the movie, Griffith used two separate families which supported different ideals, and the use of violence in the uprisings seen during the Civil War. 2) What were the choices made by the main characters and what were the consequences of those choices? Griffith is clear in his intentions that the choice of war was a result of aged-long slavery, and the use of violence to achieve the freedom that African-Americans longed was a way to depict superiority. Ben Cameron’s choice of engaging in a relationship with Elsie, instead of a woman from his place, and Ma rgaret’s love for the elder Stoneman, both resulted to a romance in between the war, and eventually led to love in between revenge against the African-Americans. In the end, it was a picture of an interracial relationship and marriage, and the desolation of death in wars. Moreover, Ben’s decision to organize a left wing group, though it paved way in forwarding their angst towards the demise of many white Americans, it created much more conflict, loss of lives, damages to property, and crisis in all sectors of society. Simply told, while both families chose to participate in a battle where nobody clearly wins, war did not create positive results at all. 3) What three or four sequences are most important in the film? Why? It is of personal intention to choose these important sequences in the movie that highlight its central theme. First scene was when the two Cameron ladies, Margaret and Flora, hurriedly went back to their home after noticing that chaos is happening. Bot h panicked while their family thought of the basement as a safe hiding place. The ransacks heated up the civilian wars. Next, the war fought by both Stonemans and Cameron took the life the younger Stoneman while Ben’s almost ended. The next sequence, Ben Cameron was brought to the hospital to be treated. The third scene, he met Elsie Stoneman who works as a nurse, with whom Cameron spent moments of admiration looking at the lady Stoneman’s photo. The two got married, a sign that amidst the impossibility, two people from different backgrounds can be at peace. Ben’s pardon to President Lincoln not to be punished culminated when, as the fourth sequence goes, Lincoln was assassinated. 4) Did the ?lm surprise you with anything unusual in its story, style, technique, or implications? Yes, it did. In fact, the film’s story is unique from the rest of black movies that highlight the miseries of African-American slaves. The movie chose to present the other way arou nd; the violence they asserted to the communities was highlighted that it aroused a negative impression of them. Moreover, the silent approach of Griffith in this movie introduced a new insight in understanding through visuals of the history. People may have a hard time appreciating his style, but it is a breakthrough from the usual that it made me watch it until

Introduction to Communication- Listen to Me-discussion Personal Statement

Introduction to Communication- Listen to Me-discussion - Personal Statement Example In addition, communication is a strong foundation to interactions in social set ups and transfer of information and command in organizational set ups and failure to listen compromises effectiveness of communication. Personal experience and learnt communication skills concur with the author’s opinion that distractions, such as multitasking and lack of sufficient time are key barriers to effective listening and managing these can offer a solution (Cole 61). In addition to the informative scope of the article, it is effective it its content that identifies significance of a problem and offers a solution. It is therefore able influence positive change in people’s communication through helping people to minimize distractions during communication. Developing a link between listening and attention that an individual acquires, when time to be listened to comes, also facilities effectiveness of the article in improving listening effectiveness. The level of simplicity of the article is also commendable because it is neither complicated nor too simple to be boring (Cole 61). Consequently, the author is informative and is an agent of change for effective listening and

Managing Food Allergies and Intolerances in the Hospitality Sector Essay Example for Free

Managing Food Allergies and Intolerances in the Hospitality Sector Essay A food allergy is the response of the body to a food or protein the body perceives as injurious and therefore produces antibodies (Eigenmann, 2009). Highly popular are allergies towards nuts, eggs or seafood. The symptoms can vary from swelling of the throat or mouth, skin reactions, noxious feeling, breathing difficulties or even collapse (Busky, 2012). Intolerance on the other hand is the reaction when the body is not able to deal or digest a kind of food because the body misses or cannot produce certain enzymes. Most commonly known are lactose and gluten intolerances which are coeliac disorders. Triggering a malabsorption of several nutritional ingredients the sufferer has to deal with indigestion, mild abdominal (stomach) pain, bloating, occasional changes in bowel habit, such as episodes of mild diarrhoea or constipation, loss of appetite, weight loss or even vomiting (National Health Services). All these symptoms give high restrictions during daily life and require careful attention. Further the term of anaphylaxis appears quite often in the context of food allergy. Anaphylaxis describes an extreme form of imunsystem reaction to a chemical contact with of a substance of the sufferer within the environment. It impinges on the whole body and can in worst cases lead to an anaphylactic shock which often causes death (National Health Services). The British Allergy Foundation stated that in 2012 up to 21 million people in the UK are affected by food allergies and that almost 10 million of them are suffering from more than one allergy. They further estimated that by the year 2015 almost 50 per cent of the Europeans will suffer from an allergy. These facts are already allowing an insight into the importance of the topic in the hospitality industry and its uprising as a contemporary issue of increasing significance. In the following section some general information and research and three food allergy organizations will be presented more in detail. The topic will be presented with a detailed view on the approach in restaurants. The key findings will be evaluated and summarized in the conclusion. Discussion General Information Allergens in food are not always labelled and indicated on product or menu items. Further as per the findings of Pratten and Towers (2003) there is high education and training for hospitality workers in terms of food hygiene and preparation but with no deeper focus on handling food allergies. Eating out therefore becomes a difficult challenge especially for families. Especially, after reviewing a study of Cathy A. Enz on behalf of the Cornell Hospitality Quarterly in 2004. Her findings show that for restaurant managers and owners the level of concerns regarding food allergies lays only with 3,3 % (out of 100%) and is ranked on the sixed position out of eight criteria (see appendix, exhibit 1). As per Allergykids. com four in ten UK school children have an allergic condition. Hence the parents have to control and watch after their children much more to ensure their well-being. The founder and CEO of Allergyeats. com, Paul Antico states â€Å"First and foremost, I’m a dad of kids who have food allergies. I understand the concerns of parents and know what it’s like to be constantly on guard. † Adding to this statement, seven out of ten sufferers say their allergy has an adverse effect on their lives (Allergykids. com, 2012). This is clearly showing the impact on the hospitality and the need for adaption in the service offer. Within the issue of Food Allergies there have been several approaches to ease and make the topic more valid and accessible on the consumer as well as on the service providers ‘point of view. The Food Allergen Labeling and Consumer Protection Act One step was the Food Allergen Labeling and Consumer Protection Act of the second of August of 2004 which came into effect on the first of August 2006. It obliges manufacturers to label and indicate common allergens like nuts or milk on their product on a clear and comprehensible way (Food and Drug Administration, 2004). Whereas it is questionable if the consumer can be assured by this with correct labeling. The Food and Drug Administration is randomly inspecting different food packaging for the allergen label but it is shady if some products might just slip through and give wrong indications for the consumer. Nevertheless nowadays there is a wide range of products (for example in a supermarket with an average of 50,000 products (Google Answeres)) and most of them are food items. Therefore the control of all packaging becomes a heavy challenge. However the first step is the mplementation of such a law. Regarding the fact that the Act is in effect since 2006 it can be estimated that products have been relabeled over the years and especially new products introduced the allergen label by entering the market. The Gluten Free and Allergy Free Passport The Gluten Free and Allergy Free Passport organization are â€Å"Educating the World about Food Travel since 2005† (GFPassport, 2012). The below graph is showing their approach to necessary communication between restaurant and allergy sufferer: Fig. 1 Gluten Allergy Free Passport, 2012 On both sides, on the guest perspective and the restaurant perspective there should be previous education. The Guest, in this case the allergy sufferer needs to assess his comfort level by for example talking to the wait staff. After identifying the eating options the guest conducts the pre planning and starts the interaction with the restaurant. Communication the guest? s needs and specifications are crucial and the first step in the interaction. Ordering the meal and receiving it, the guest should provide feedback about his experience. At the same time not only the guest has to be cautious, the wait staff and the cooks have to understand the guest needs and facilitate the specification ordered by fully ensuring safety for the guest. After the meal is delivered the staff should follow-up not only for the well-being of the guest but also to apply critical feedback. The Chef? s Card To ease this communication between the customer and the restaurant some organisation like the Allergy Free Table LLC company introduced a useful tool. The company is trying to educate and provide information in that area. But not only the provision of important information about allergies and intolerances, facts and figures, problems and risks is their aim but they also giving solutions to make daily life for allergy sufferers easier. One of their approaches is the Chef? s card. It is similar to a business card indicating the allergy of the consumer, the degree of the allergy and the actions to be taken in case of an allergic reaction. Example of Layout of Chef? s Card: Fig. 2: Allergy Chef? s Card (Allergy Free Table, LLC, 2012) The Allergy Free Table LLC.  Co provides sample cards and individual adjusted templates which are provided for free download and print out on their website. This approach is widely spread and having a look through the World Wide Web a lot of positive comments regarding this idea can be found. On the forum for Food Allergy Support, members are commenting â€Å"We go out eat a lot and we use the Chef? s Card [†¦]†, â€Å"[†¦] the cards are useful [†¦]† or â€Å"[†¦] Im all for chef cards! [†¦]†. Further there can be services found other online services as SelectWisely. com which is providing Chef? Card with the focus on people travelling and therefore translating them in the respective language. From the customer and the restaurants perspective the Chef? s Card is an effective approach to this serious issue. The customer receives the feeling to be taken more serious with the special demand. Further for example the wait staff have something to hold in the hands, which can be handed over to the kitchen staff and results in more security as the level of miscommunications is narrowed. Particularly while travelling the Chef? Card is relieving the customer from feeling stressed eating out as well the restaurant obtains a clear guideline to handle the guest conveniently and most important safely. To sum up the approach of the Chef? s Card is an innovative approach which eases the concern of food allergy issues in restaurant for both parties. The Food Allergy and Anaphylaxis Network Despite many online communities (e. g. the Allergy Free Table LLC. Co) are providing information the most popular one might be the Food Allergy and Anaphylaxis Network. The Food Allergy and Anaphylaxis Network (FAAN) are calling themselves the â€Å"most trusted source of information† and can record over 22,000 memberships in the year 2012 (FAAN, 2012). The network is funded by the annual membership fees, donations and charity events like the yearly FAAN Walk for Food Allergy. They are committed to increase the awareness of the impact and implications of Food Allergies, the provision of education for young and old, advocate further research into the topic. The FAAN offers programs like the â€Å"[emailprotected]† program which is a package including nformation material as well as implementation and management strategies for schools (FAAN, 2012). Moreover they understood that â€Å"Eating away from home can pose a significant risk to people affected by food allergy. Research suggests that close to half of fatal food allergy reactions are triggered by food served by a restaurant or other food service establishment† (FAAN, 2012). So they are approaching restaurateurs directly and are calling up on more training for hospitality staff: â€Å"Education, cooperation, and teamwork are the keys to safely serving a guest who has food allergies. All food service staff – including restaurant managers, servers, and kitchen staff – must become familiar with the issues surrounding food allergies and the proper way to answer guests’ questions. Further, they must know what to do if an allergic reaction occurs. † The network emphasises on cooperation between the restaurants and customers to ease the barriers and to diminish the risks for allergy sufferers while eating out. The handbook for training of hospitality staff is only one of the collections of information which is provided for free on the FAAN? s homepage. Reviewing the amount of information which is available especially online restaurateurs should no longer hesitate to implement the handling of food allergies as an inherent part of their standards and policies. Much information is available for free and some managerial strategies and ,of course training sessions, will cost some money. Nevertheless this undertaking is not too difficult as food safety and hygiene procedures are already applied in gastronomic enterprises. As shown above the need for an extension to allergy concerns from the customers? side is omnipresent. Although that the adaption of this issue will cost time and money in return target markets and customer acquisition will be promoted. The Trend of Labelling Menu Items Food labelling is only mandatory for products coming from the manufacturer, so those which are e. g. bought in supermarkets and grocery shops. This labelling format has been improved by the Codex Alimentarius by the Commission of the Food and Agriculture Organization of the United Nations and the World Health Organization in 2003 also adapted by the European Parliament and one year later in the USA. It regulated that foods triggering ensitive reactions have to be labelled. Current discussions about having restaurants to label their menu items are on-going but â€Å"[†¦] the restaurant industry argued that mandatory labeling would be a significant burden on most restaurants, the majority of which are small businesses that do not have the technical ability and/or knowledge to provide and publish such data† (Pizam, 2011). Restaurants mostly object menu labeling. Small businesses only produce in small amounts and menu items change frequently which would imply additional financial expenditures on the menu design. Further restaurants are arguing that the demand for labeled menus is not high enough. Attempts with calorie and fat indications mostly failed in past years. The demand for low calorie and low fat items in comparison to the conventional products was not high enough (Din, Zahari, Otham, Abas, 2012). It is questionable if this failure of menu indications is significant in the debate about labeling menus for allergy sufferers (Pizam, 2011). The quoted arguments are comprehensible but the extreme defensive attitude should be dropped. The request for menu labeling must not be a generalized demand but a compromise could be formed. Restaurants could have some additional menus indicating a detailed description of the menu ingredients. Other than that the restaurant might be able to guarantee that the cook on shift knows all its products and ingredients. This could be done by narrowing the amount of suppliers, brands and by maintaining the supplier for basic products. Maintaining loyal to a supplier as a plus would reduce purchase costs as restaurants receive better prices with long-term contracts. Conclusion Concluding from the findings the issue of food allergies in restaurants will be of increasing concern in the following years. Therefore there is every indication to find common approaches and standards to build up a convenient interrelation between customers and restaurants. The customer, most of all, needs to develop the trust to the restaurateur of being served in a serious and safe manner. The presented concept of the Chef? s Card is a recommendable and effective way to ease the communication for the special requirements of an allergy sufferer. Further the restaurant can handle the conveyed responsibility with more secureness and assurance. As the research has shown labelling the menu to needs of allergy sufferers is still in heavy discussion. Nevertheless a common standard should be introduced in order for the restaurant to clearly follow any special requests. To conclude in the future an overall standard is required in restaurants. Procedures should be extended and the implementation of allergy handling should be a standard for all gastronomy venues. The load of information is immense and the accessibility is there. Hence restaurants have little excuse too not implement some new strategies in their procedures. Although staff turnover is very high in the hospitality sector which is complicating the demand for additional training, hygiene and food safety instructions are mandatory for all hospitality staff. So why not extend and cover the issue of food allergies at the same time. Consequently restaurants could be labelled as being trained in allergy concerns and customers can easily choose to eat out.