Modern Life Essay

As beginning, human beings must assure that intelligence is the dominant factor on animals’ behaviors, attitude and conducts. Unfortunately, some people restrict animals’ level of cognition on same issues because of the fact that they are suggesting all attempts of animals shaped instinctively. People must become conscious to resign this kind of biases in that today’s studies on animals show us animals have more intellect, contrary to common belief. Additionally, according to a stunning experiment of a recognized institute in Japan, a chimpanzee knows the food is hidden under a stone and reach it effortless. Then, researches replace stone with a heaviest stone and the chimpanzee could not take the food alone. If two chimpanzees know about food, they work together. At first, they do not synchronize their collaboration in pulling the heaviest stone but eventually, they figure out reward of synchronizing to their pulling. Same experiment is again performed with a human and ultimately, chimpanzee appeals for help from the human partner. What is more, observers behold exciting indications which is related to chimpanzees’ attitudes such as looking up at human partner’s face, vocalizing, and taking the partner’s hand for soliciting (Hirata, S. & Fuwa, K. , Chimpanzees learn to act with other individuals in a cooperative task, p. 13). These evidences also indicate that chimpanzees learn coordinate through trial and error method like a child or a dog. Meanwhile, there have been a lot of same studies and results on dogs which is mainly discussed in this paper as well. After all, people have to be convinced of animals’ intelligent and cognition skills. In the meantime, some people still have an idea whose children, old persons or disabled people should not be left alone even with trained animals. To deal with this lack of confidence, such people must realize the bare facts in real life experiences with guide animals. Related to this, the dog that may have done the most to shape the popular conception of dogs and their intelligence was a character born in a short story written by Eric Knight in 1938, Lassie. Lassie, the world’s best known collie, was not only affectionate and courageous dog but nearly was a human in her intelligence and understanding, doubtlessly. According to Stanley Coren, the author of The Intelligence of Dogs, reports that â€Å"We believed that this dog (thus, by extrapolation, all dogs) could think, plan, sympathize, feel pain, have emotions of sorrow and joy, remember complex facts, and even plan acts of retribution† (Stanley Coren, p. 10, paragraph 2). Most of the scenes people watched in the Lassie series, like when Lassie crawled under gunfire, sneaked through a tortuous maze of fallen electrical wires, jumped out windows or leapt through the air to knock a criminal down, actually can be seen in relationships between people who are in desperate straits and their own dogs under some special situations. Many of us know about Jack London and are familiar with his wolf like sled dogs. In all these kind of novels, the dogs had feelings, reasoning ability and intelligence. As an illustration, there is a memorable case which is an epic score in White Teeth; Shep recognizes that his protector is in a danger situation. He must find help immediately while seriously wounded Dan lies on the snow. After that, he remembers an old trapper who had the shack in the valley. He recalls the old trapper had been kind to him before. Then, he gives the same bark which he is always using to tell Dan he is ready to work and starts across the snow to find the closest possibility of help. As it can be seen through these kinds of stories, having a friendly canine in the land of living can mean two indications. They are a true blue friend and a survivor at owners’ emergency too. In addition to social benefits of having assistance dogs, there are considerable amount of advantageous for disabled people in wheelchairs. Having a disability often results in many soul-destroying statements most particularly if someone is obliged to live on a wheelchair. Imagine such a person; he or she always suffers from lack of confidence, social interaction with people in everyday life and also limiting independency. Then, regrettably this can go from bad to worse together leading depression, loneliness and isolated from society. Eileen Hobson who has a limiting of movement emphasizes the social benefits of having guide dog: â€Å"Because of him I have made many friends in the various parks that we go to. He is a great icebreaker, and now, wherever we go, people always want to stop and talk to me to ask about him† (Jenny Moir, p. 331). Furthermore, considering a person with mobility impairment, it is not difficult to estimate the complexity of overcoming daily backsets for them. For instance, dropping a key or a remote control on the floor, bending down to take a pair of slipper those are serious troubles for whom having paresis. At this point, trained dogs become guardian angel of people with wheelchair and kind of impairments. They can pick up the objects, open the doors and even, empty or fill the dishwashers. Additionally, Claire Graham who faced with developed paralysis following a seemingly simple virus summarize her life before the dog partner, Ulli, and after by â€Å"My disability gradually got worse and I had to stop work† and then she adds; â€Å"Since Ulli has been with me, not only has my physical health improved, but also emotionally I feel more positive, confident and not alone any more as I have Ulli with me every day† (Jenny Moir, p. 332). Therefore, people must understand the importance of dogs and their inherent ability to make fundamental changes in our lives, as Jenny Moir, the researcher of relationships between canine partners, says in her article Assistance Dogs and Independent Living for Disabled People; â€Å"A canine partner or assistance dog can put the ‘able’ back into the lives of people living with disabilities, and can quite literally opens doors that would otherwise have been closed† (Jenny Moir, p. 33). Although guide dogs for visually impaired people have long been accepted by the general public, there are some people who stand up for using robotic service dogs. They assert that service dog robots are more advantageous than guide dogs. According to a survey in Japan, rate of visually handicapped persons which take guide dogs is at too low percentage of % 10 nationwide (Development of a Guide-Dog Robot: Leading and Recognizing a Visually-Handicapped Person using a LRF, p. 193). At the this point, such people claim that it is less possible to improve the repletion rate of guide dogs for handicapped persons in a short time period due to required long training period in obtaining guide dogs (Development of a Guide-Dog Robot: Leading and Recognizing a Visually-Handicapped Person using a LRF, p. 94). This is actually insufficient occasion because kind of robotic guide dogs are programmed generally under some particular circumstances such as leading users with consideration of user’s walking speed and detecting obstacles and dangers for its user. Hence, those programming issues not only need huge amount of variants owing to disabled level or age interval of handicapped persons but also need high price. In addition to that guide dogs cost about 70 thousand dollars (Tom Ladyman, Can a robot be a safe and alternative to guide dogs? , videoscript). Moreover, there is some doubt for the guide dog robots in alerting and distinguishing between a stand still thief and a family heirloom urn. On the other hand, the program of leading users with consideration of user’s walking speed with the help of an autonomous maneuvering algorithm system integrated into robotic dogs has to vary from user to user and also off-roading and uneven surfaces . Additionally, if people consider battery life of robotics, a guide dog requires one meal a day and will keep working without it. Regarding memory, guide dogs quickly memorize all people normal routes and will take handicapped persons along them effortlessly. Therefore, it would be ridiculous replacing a super technological heap of microchips and sensors which are also deprived of emotion and affection with a dog. As a result, it clearly makes nonsense replacing modern guide dog robots with obliging dogs.

NoSQL

Nouns can be a great asset when It pertains to dealing with large amounts of data and Its ability to be able to provide a better scalability and availability than the traditional READS can make It a plus. But the down side of the perks that Nouns provide may not make It the ultimate choice for many businesses. Nouns ability to deliver faster access to data and easily is also an advantage for data outrage.But due to its infrastructure of being nontraditional it raises concerns. Unlike most SQL systems Nouns is not formally structured as its counterparts simply meaning it does not store data in an organized plan such as tables and rows. This makes it easier to store data more easily with multiple servers with an improved scalability. Because Nouns lack of being structured in a formatted scheme it also lack confidentiality and integrity and the column or the rows cannot be segregated which may pose a challenge with user privileged access.Also, due to its scheme it lacks the capability o f producing real time operations. It would be easy to Imply many quick enhancements to the Nouns but then It would be a mall of the traditional Sol's. Add authentication support will Increase Its security capableness of Nouns. As mentioned Confidentiality and Integrity have to be provided solely by the application accessing the Nouns data. And overall stated MS. NoSQL Nouns can be a great asset when It pertains to dealing with large amounts of data and Its ability to be able to provide a better scalability and availability than the traditional READS can make It a plus. But the down side of the perks that Nouns provide may not make It the ultimate choice for many businesses. Nouns ability to deliver faster access to data and easily is also an advantage for data outrage.But due to its infrastructure of being nontraditional it raises concerns. Unlike most SQL systems Nouns is not formally structured as its counterparts simply meaning it does not store data in an organized plan such as tables and rows. This makes it easier to store data more easily with multiple servers with an improved scalability. Because Nouns lack of being structured in a formatted scheme it also lack confidentiality and integrity and the column or the rows cannot be segregated which may pose a challenge with user privileged access.Also, due to its scheme it lacks the capability o f producing real time operations. It would be easy to Imply many quick enhancements to the Nouns but then It would be a mall of the traditional Sol's. Add authentication support will Increase Its security capableness of Nouns. As mentioned Confidentiality and Integrity have to be provided solely by the application accessing the Nouns data. And overall stated MS.

Jasper's Ethical Issue Case Study Example | Topics and Well Written Essays - 750 words - 11

Jasper's Ethical Issue - Case Study Example As the discussion stresses Jasper can solve this ethical issue by restructuring the system into a more accurate one. However, this time should incorporate other personnel to come up with top results. Although the general manager was advised and his proposal to sell the system to the hospital objected by Jasper, he went ahead and sold it to the hospital. However, the general manager can decide to compensate the patient that died as a result of the wrong information given by his system. His company can also decide to withdraw from manufacturing of the system. According to the paper it is necessary to consider the general wellness of other people apart from the income generated to the company from the sale of the system. The fact that Jasper’s company knew of the problem with the system, it would have been vital to firstly ensure the problem was completely resolved before it can be put in use. In fact, this ought to have been prioritized since the machine was to do with lives of patients. The solution by the company to get another umbrella of insurance policy to cover any casualties emanating from the use of the system is unethical and uncalled for. It is apparent that if the company produced an excellent system with no problems, it could not have taken the insurance policy. This means that the company unethically took the policy with expected misfortune. It was unethical that Jasper’s company did not apply any ethics in dealing with the sale of the system. Therefore, the case of Jasper’s company needs to be handled w ith a lot of sensitivity. The company need to be punished according to the provision of the law in order to avoid such occurrences. Jasper also needs to be referred back for more training on how to perfect his knowledge of user interface. It would be necessary for individuals like Jasper to put in to consideration other people’s welfare when designing and manufacturing such systems. It is unethical for scientists and

Tourism city brand of integrated marketing communications Dissertation

Tourism city brand of integrated marketing communications - Dissertation Example Brunel University Brunel Business School Uxbridge, Middlesex UB8 3PH United Kingdom Tel: +44 (0) 1895 267007 Fax: +44 (0) 1895 269865 Declaration I hereby undertake the completed report on my own and it is my work. I have provided complete acknowledgement to authors of any information that has been previously published and used in this report. It to my best knowledge that the information provided in this report meets all ethical requirements of providing citations throughout the text (Harvard Style). I also understand and accept that my completed report upon submission will become the property of Brunel University which is then allowed to reproduce this report in any for educational and research purposes without seeking consent from me. Student ID: Date: Word Count: Acknowledgements I would like to personally thank my supervisor Dr. XYZ who has been quite supportive despite of his other commitments. Without his guidance it would not have been possible for me to complete this disserta tion in a meaningful manner. This research work has been a one of the best practice in my learning career and has surely help me develop my education research skills which would help in my career. Moreover, without the support of my parents and teachers, it would not have been possible to conduct this research work. I therefore dedicate the work of mine to my parents, teachers, and friends. Abstract The branding and marketing of cities is an essential factor for the governments for the promotion of their cities, and it helps them to improve the economic position of the government in this era of globalization. Over the last few years the London City had been preparing for the event of Olympics which were held almost 2 months ago and keeping in view the phenomenal event of Olympics, this study can be considered as a useful attempt to investigate how integrated marketing communication tools have been used for marketing of Olympic Games 2012 and branding of London city as a host city wh ich has been known for its rich culture and social heritage and setup. The prime objective of this research work is to focus on the integrated marketing tools that are applied in the branding of the London city. For this study, an online survey was conducted through which 150 respondents residing in either UK or other EU countries took part. The data collected from the primary research was subjected to statistical modelling including regression analysis to draw upon the relationship between effectiveness of integrated marketing communication (IMC) used by different authorised organizations on the perception of tourists or travellers visiting London as to whether they feel that IMC has successfully branded the London as the host city of Olympics 2012. The result of the present study has revealed that IMC activities have successfully branded London as a city and there is a significant impact of IMC on branding of London city. Table of Contents 2 Acknowledgements 3 Abstract 4 Chapter 1 - Introduction 11 Chapter 2: Literature Review 20 Chapter 3: Research Methodology 43 Chapter – 04: Findings and Discussion 54 Chapter 5 - Conclusion and Recommendations 71 Appendix I:

Human resources trends Case Study Example | Topics and Well Written Essays - 1750 words

Human resources trends - Case Study Example Labor costs might not be the high overhead variable affecting overall costs it was 30 years ago, but it still a cost reducing solution managers choose to utilize when they feel pressures from upper management and shareholders to lower costs. Outsourcing of employees is not the evil predicament many think it is. It is simply a solution that provides flexibility and allows costing reduction in different compensation areas. Outsourcing of a firm's workforce can occur in various ways. A company can choose to hire employees through job agencies in order to acquire a staff that is legally not theirs. Under this type of work arrangement the employee belongs to the job agency, but performs work and it is supervised by the manager of a firm. Once integrated into the company's system in reality the job agency employee and the directly recruited employee is treated equally and there is not way to differentiate them within a work setting. This alternative is chosen to reduce fringe benefits comp ensation costs and to have flexibility of not being forced to retain an employee after the typical short probation period expires. An outsourcing arrangement occurs when an enterprises hires a consultant to perform work in any type of project within the organization. A third way and the reason the typical American worker feels outsourcing is evil to outsource work that used to be performed in-house to third world countries to save on operational costs. The fact of the matter is that this shift was necessary and most of the time the type of work being outsource are functions which are perform at a fraction of the cost oversees. For example a Chinese worker earns approximately 95% less per hour than a person working in the United States or Europe (Ceglowski & Mawr, 2005). By reducing costs and outsourcing this type of work a company is able to hire more employees to perform other duties. The world environment of developed countries has shifted from manual work to a knowledge economy. There is not turning back and people in developed nation must educated and train themselves to compete in this new economy. Human r esources must adapt and to the change by understanding the different contractual requirements of the various employees working directly and indirectly for a company. Another emerging trend in the business environment of the 21st century is online recruiting. The internet has become a part of the everyday life of humans. There are over 1.1 billion online users worldwide (Plunckett Research, 2007). Since there so many people online spending multiple hours daily in the internet, a great way to find and attract talented professionals is to find them at this time. Online recruiting is great because it provides access to a large pool of potential candidates, but it has many other benefits for human resource professionals. Online recruiting allows HR to find potential employees in places there would have never been able to find them in the past. It allows firms to recruit international players with ease. This must be done because there is shortage of talented professionals in a lot of technical fields such as accounting, information systems, scientists, nursing among many others. The HR field is adapting to the reality of marketplace talent pool shortage and in the future it is projected that the gap between demand and supply for talent will only increase.

Customers' attitude towards online banking services in the UK Dissertation

Customers' attitude towards online banking services in the UK - Dissertation Example Therefore, this study aims to evaluate the factors that are responsible to make certain attitude of the consumers towards using internet banking services in the UK. This research considers two banking institutions: Lloyds Bank and Barclays Bank, and two non-banking financial institutions: Tesco and Virgin. All these institutes are UK based, and internet services provided by these institutes, studied to determine the attitude of the customers for their services. The approach selected to conduct this research is quantitative approach that is based on positivistic paradigm. The result revealed that the attitude of the customers of UK is positive towards the internet services provided by banking and non-banking institutions. ... ble 1: Frequency Tables – Barclays Bank 45 Table 2: Descriptive Statistics for Dependent Variable - Barclays Bank 47 Table 3: Descriptive Statistics for Independent Variables - Barclays Bank 49 Table 4: Frequency Tables – Lloyds Bank 511 Table 5: Descriptive Statistics for Dependent Variable - Lloyds Bank 52 Table 6: Descriptive Statistics for Independent Variables - Lloyds Bank 53 Table 7: Frequency Table - Tesco 55 Table 8: Descriptive Statistics for Dependent Variable - Tesco 57 Table 9: Descriptive Statistics for Independent Variables - Tesco 58 Table 10: Frequency Table - Virgin 60 Table 11: Descriptive Statistics for Dependent Variable - Virgin 60 Table 12: Descriptive Statistics for Independent Variables - Virgin 61 Table 13: Regression - Banking 64 Table 14: Regression – Non-Banking Financial Institutions 65 Table 15: Independent Samples Test 67 Chapter 1 - Introduction 1.1. Background In the retail banking services, online banking is relatively new phase and still many people are not properly aware of the offerings of online banking (Peevers, et al. 2011). There are different services that online banking offers to the customers so that they can perform their transactions and can request for the information of their accounts. This includes the â€Å"inquiry of balance, transfer of accounts, payment of bills, ATM card pin code†, and many other services that the banks are offering (Aladwani 2001). The successful key for developing economies is information, and most of the companies are thinking of switching their businesses from physical to online technology (Akinci et al., 2004). There are many factors responsible to influence the preference of the customers in terms of the online banking, and it is very important for the banks to understand these factors

Decision Evaluation and Implementation Slp Assignment

Decision Evaluation and Implementation Slp - Assignment Example he other hand, I also had this thought of saving this many so that I might use it to buy myself some nice cloths, shopping, expand my business or even go out with friends. These were some of the short-term ideas I had about how to spend the money. It was never clear to me and at some point, I got confused over what exactly I needed to do with my savings. It was also not clear to me whether I wanted to use this money soon for a short-term goal, or in the future, for a long-term goal. I needed to find a decision making tool that could suit my problem to help me with decision making. After studying my choices keenly, I realized that they were they could widely be categorized into two types of choices. In this case, there were those choices for the short-term while others belonged to the long-term choices. I then came to find out that the best decision-making tool that could suit my situation was the use of a decision tree. A decision tree is this type of decision making tool which categorizes decisions into two different types making them be in two choices (Francis & Arsham, 2010). Probability is then applied on the events of each side of the decision to find which decision should be taken up. Similarly, while separating the decisions into two different decision sides, elimination of the unwanted decisions can be done by applying the benefits that the decision can give to you, and comparing it with the benefit that the other decision on the other side of the tree is capable of giving. This decision making tool was found to be most appropriate as it gives two sid es of the situation, hence giving us an easy way of making decisions through taking up the decisions on the most appropriate side. The decision tree is developed by establishing all the possible outcomes in a decision making process. Here, the possible outcomes were equated to the possible uses of money I had. It was then developed as below. The decision tree was developed by listing all the possible all the

The impact of non-production departments on effective logistics and Essay

The impact of non-production departments on effective logistics and operations performance - Essay Example The non-production departments would be identified and their impact on effective logistics would be discussed; that would assist in not only identifying the problem, but also finding a solution for it. The process by which acquisition movements and other functions such as storage of parts, materials, and finished inventory are strategically managed through the utilization of proper marketing channel, which is the future objective of generating revenue and profit, is called effective logistics (Blecken 134-137). It also includes the objective of effectively fulfilling the orders by minimizing the cost. In case of effective logistics, the focus is on efficient system and attention is paid towards movement, which is the backbone of the system. Instead of distribution, finance, production, and purchase, logistics deals with a flow of information and materials. According to the concept of logistics, every segment in an organization should work together, and the marketing manager should be prepared to consider lower performance or lower level of service while preparing activity framework, so that the lag times are also considered. This would give the project manager a proper estimate of time, which is most important in logistics (Burg â€Å"5 Logistics and Shipping Mistakes Small Businesses Make"). Operations Management Performance and Effective Logistics Effective logistics is a part of operations management and the performance of the enterprise depends on logistics and other aspects of operations management. Operations management involves management of design and productive systems, along with control, and planning of daily operations within the transcorporate networks and company. Supply chain network is an integral part of operations management. In small enterprises, the operational management, such as daily productions, etc is usually handled by the human beings. Operations management and logistics are considered an area of concern by the stakeholders of the co mpany. In order to measure the performance of operational management process and logistics system, appropriate performance indicators should be selected in such a way that it stands in line with the objectives of the business. The performance measures would assist in evaluating the objectives and degree to which those are attained (Charantimath 440-443). The operational management performance of the company can be accessed by examining certain areas such as cost, flexibility of process, delivery, and quality of products. Logistics system of any organization influences the objectives of the company through the above mentioned areas. This also indicates that logistics affect the performance of any organization significantly. Considering the four areas of logistics which are considered in operations management, the quality of process, and product should meet the high demand standards. The cost of the inventory and the work process should be lower. The objective would be to have high ca pacity, and low cost of administration. Delivery rate should be high and accurate, and lead time has to be short. Finally flexibility in terms of achievement of customer benefit, maintenance of relationship with partners should be of high degree (Deepen 14-16). Non-Production Departments In order to identify the impact of non-production department on logistics and operations management performance of organizations, first the non-production overheads have to be identified, and discussed why they are considered such. The non-production

The american dream Essay Example for Free

The american dream Essay The American dream, isn’t this what everyone is chasing? Isn’t this why people work so hard and go to extreme lengths just to achieve this â€Å"Dream†? Owning a home, having a family, and basically living care free is the â€Å"dream† that is projected, but is this goal that so many people are told to strive for even obtainable? There is a belief that once this goal is achieve all the troubles will some how fly out the window, but sadly that isn’t true. The American dream itself is nothing easy to gain, and the quest for this dream can tear anybody that isn’t ready apart. Through Jackson’s â€Å"The Residue Years† and Diaz’s â€Å"This Is How You Lose Her†, they were able to show how difficult it is to achieve the â€Å"dream† and how the journey could affect not only the person striving for it but also the people around them. With both of their unique writings styles they are able to let the reader feel connected with the person on a personal level. Champ from â€Å"The Residue Years† and Ramon from â€Å"This Is How You Lose Her† are two characters that are working towards the American dream, but don’t see how everyone around them is affected by their actions. At times chasing a certain dreams can cause a person to neglect the people and situations around them. The odds are already stacked against anyone who is not white, especially when trying to achieve the American dream or should i say White Dream. The problem with a lot of people are they are trying to obtain something that is not for them, for example the American dream is a belief that has been already thought out for everybody, and if this dream isn’t met then a person is considered unsuccessful. Why chase a dream that was only meant for certain people, like Champ said â€Å"You’re right, not everything’s about race. But what if this is? (Jackson 80)†. Champ is trying to reach this goal and keep his family from falling apart while trying to provide for his girlfriend, mothers, and two little brothers by selling the same drugs his mother is hooked on. He wasn’t good enough at basketball to go pro and doesn’t believe furthering his education will give him what he wants. Champ, an African American male, couldn’t play basketball so he sell drugs, fits the stereotype doesn’t it. Ramon on the other hand, a Latino male, been in America for ten years working at a bread factory trying to achieve the American dream with his wife back home and his mistress in the states supporting him. Although Ramon desires a house, but understand that he is already at a disadvantage because of his race, Hes been talking about the house he wants to buy, how hard it is to find one when youre Latino. (Diaz 30). Both characters believe that a house is the answer to their problems and doing everything in their power to get it. This land of opportunity but limits those opportunities to the ones who desire it the most, isn’t that funny? As a reader all you can do is cheer for or hate the decisions these two characters to beat the In this world where there is barely any options or opportunity, at times love is your strength and your weakness. On Both characters journey to the American dream the same people that they have envisioned living the dream with are the same one’s who are holding them back, their loved ones. Ramon and Champ we not trying to prove society wrong, but also the people they loved. Champ feels like he can’t let his family down and he has to do everything in his power to assure that he doesn’t, but as I said for my family for all of us, I cant let this dream defer, wont let it fall apart. (Jackson 281). The same people who Champ is trying to take care of are the ones holding him back, his mother relapsed, his little brother is becoming a problem, and his girlfriend is on his case. Champ also gets robbed at a drug deal gone wrong and even by his so called â€Å"real estate agent†. Champ sees everything he has worked hard for crumbling before his very eyes and it’s all thanks to the family that he wants to save. Ramon on the other hand just wants that house because he believes it’s the gateway to a better life. The woman he is trying to bring into this better life is the same person who doesn’t believe in him, He rubs at his stubble. What if i find the place? You want me to make the decision myself? I dont think it will happen. (Diaz 32). With no one by their sides and their backs against the wall, you just start to feel for these characters. If their loved ones aren’t behind them, then who is? The sad thing about the American dream is not everyone will see it. Ramon hard work paid off, he was able to make his dreams come true, Look, he says holding up the paperwork. Look. He is almost pleading. Im truly happy for him. You did it mi amor. We did it, he says quietly. Now we can begin. Then he puts his head down on the table and cries(Diaz 38). This emotional scene in the book is heartwarming and touching, just to see a hardworking hispanic male have the ability to make his dreams into a reality in American is something that should be applauded. Sadly the same thing can’t be said for Champ. Champ’s hard work and huge heart wasn’t enough,â€Å"He digs into my jeans and lifts the sack into view, my work rocked up and wrapped in clear plastic. They toss up cuffed into their hard back seats and boom the door shut(Jackson 340). Despite everything he tried to do for his family, at the end the person who he was trying to save is the main reason he got arrested. Champ was part a business he didn’t belong in because he wanted the better life for his family, he selling drugs so that he could provide for his loved ones ,not keep the money. Champ may have been a criminal in some peoples eyes but would you label someone who just trying to provide a criminal? Sometimes you make it or you go down trying and sadly, the guy that everyone was counting on couldn’t come through. Through both Jackson’s and Diaz’s works they were able to show how difficult chasing the american dreams can be, and make the reader feel for the characters and what they’re going through; and also how hard times can get when trying to pursuit ones true happiest. After reading both stories the question that was left to be answered is, do the ends justify the means?

Objectivity Of The Social Researcher

Objectivity Of The Social Researcher Before addressing the debate, the historical significance of social theory must be addressed as there is a long history regarding issues of objectivity, and value free research. Prior to World War Two, social research was dominated by the paradigm of positivism. Philosophers such as Comte (1798-1857) strongly affirmed that methods applied to the natural sciences such as physics should be applied to the study of social behaviour (Benton Craib, 2001). The positivist perspective placed great emphasis on the objectivity of social research, accepting Science as the only general form of knowledge that produces reliable social scientific knowledge that can be generated into theory applicable to social behaviour within society (Benton Craib, 2001: 23). Moreover, like the natural sciences it requires both logical and empirical support. Causal relationships can be identified and truths can be falsified thus, positivist sociology assumes that law-like generalisations can be derived from socia l research Pedraza (2002: 75). Postivism was widely accepted throughout the nineteenth centuary as science was assumed to be the highest form of knowledge, thus by applying the methodologies of the natural science to the newborn social sciences allowed for some level of acceptance. As far as objectivity is concerned, positivist methodological approaches claim that objectivity is an ideal that is attainable, as the social realtiy of society can be observed it without any antecedents. As a result, the aim of the social scientist is to be exogenously detached from the research subject. Turning to Weber (WEBERREF) changed the direction of social research claiming that although social research should be value free, obtaining completely objective research was impossible. This is simply because researchers are subjective humans. Weber coined the term value free sociology and urged that sociologists need to be unconfined by personal values if it was to make a positive contribution towards society. Weber recognised that personal values would to some extent influence research topics but encouraged objectivity in exploring a topic once chosen. For Weber, value freedom is then a non-judgemental analysis of society in its own terms. Although Weber advocated this approach to social research, it must be acknowledged that values can enter research in a variety of ways ranging from the choice of research area, formulation of the research question; methodology including data collection, analysis of data; interpretation of data and overall conclusions (Bryman, 2008). Following from Weber the epistemological position of positivism has been overtly critiqued by various theorists, particularly those who take an ontological, interpretivist stance. For example, Becker (1964: 245) argues that, there is no position from which sociological research can be done that is not biased in one way or another. Therefore, social research cannot be completely objective as researchers can unknowingly contaminate their exploration of an issue with values developed throughout their own biography. Furthermore, Becker (1964) claims that, sociologists must either write from the position of a superordinate or from that of a subordinate (Lawson, 1991: 591). In addressing this claim, Becker (1964) discusses the credibility of hierarchy which explores the notion that social groups whom are perceived to be superior within a given society are in a position of power that can define the rules of society. The exclusivity of the natural sciences within society is an example of thi s. Becker (1964: 242) goes on to surmise that sociologists challenge this rule by refusing to acknowledge the established status order in which it is surmised that the truth of knowledge is unequally distributed. Therein, Becker suggests that social research should focus on the underdog in order to reform knowledge distribution. This is similar to the view that has been taken up by feminists such has Hartstock (2004: 7) who place emphasis on relativist standpoint theories whereby knowledge is shaped by power relations, that it is socially situated. Therefore those oppressed can give the best account fo the internal workings of their group. Hartstock (2004) attains that prior to feminist sociology, research disciplines and public policy did not account for women as group with their own knowledge. For Hartsock (2004), any social research that does not address the unequal distribution of knowledge, is therefore, potentially skewed. Thus drawing upon the Marxist notion of historic materialism standpoint theorists such as Hartstock (2004) and Harding (DATE) chose to address this with the aim of exercising social research from the position or standpoint of women. It can be surmised from this perspective that it is therefore it is impossible for a social researcher to extract themselves from power relations in thei r own situation. Therefore the feminist approach strongly advocates that objectivity should not be the primary aim of a social investigation. Rather, it is important for researchers to adopt a stance and consider how their values will influence their research. In addition, it should be recognised that feminist researchers shape the results of their analyses no less than do those of sexist and androcentric researchers. The objectivist stance should be avoided as it attempts to make the researchers cultural beliefs and practices invisible, while simultaneously skewering the research objects, beliefs and practices to the display board (Harding, 1987:9). What are the arguments against this? GOULDNER Gouldner is in consensus with Becker that social research cannot be value free yet he openly criticises Beckers claiming that Becker does not address the reasons why sociologists are more inclined to take the side of the underdog. Furthermore Gouldner asserts that is not always the case, the manner which some sociologists conceive the value-free doctrine disposes them to ignore current human problems and to huddle together like old men seeking mutual warmth. This is not our job, they say, and if it were we would now know enough to do it. (Gouldner, 1973: 13) It is clear that subjectivity poses a severe limitation for the positivist objective approach to social research. For Gouldner, however, the positivist approach posed another extensive problem, it was useful to those young, or not so young, men who live off sociology rather than for it, and who think of sociology as a way of getting ahead in the world by providing them with neutral techniques that may be sold on the open market to any buyer (Gouldner, 1973: 12). In others word Gouldner saw self interest as a powerful motivator the outcome of research being affected by the context in what it is undertaken. Thus the social researcher is not necessarily on the side of the underdog. In laymen terms Lawson (1991) suggests that the crux of this debate is the question of whether sociologists are allied with the state, accepting the state as the overall authority or should they adapt a more ethical, moral role in addressing social problems of society. Ultimately social researchers are divided by this dilemma that as Gouldner suggests, depends on the social context of the researcher. What Gouldner recognises is that the attempt of sociologists to draw upon the natural sciences to obtain an objective approach does not entirely fit with social studies and that the institutions in which professional sociologists consult such as government, academia and business can have a profound effect on a researchers values. Parsonian sociologists such as Haak (1994) and Hammersely (2000) are critical on views promoted by Becker and Gouldner arguing that that the politicisation of social research is not only misguided, but inherently dangerous, and that an intelligent and sceptical commitment to the principles of objectivity and value neutrality must remain an essential feature of social research (back cover). Hamersley (2000) promotes the idea of value-free, objective social research placing emphasis on academia as the key institution to producing knowledge. Yet the University as a place for producing knowledge itself is under threat. This can be demonstrated by addressing the tragedy of the anticommons. ANTICOMMONS 300 In response to Hardings Tragedy of the Commons whereby a resource is exploited by overuse, (HellerRosenburg1998)) address the notion of the anticommons where upstream and downstream technologies are compatible for the development of a new product yet the technology is patentable and ownership is fragmented thus the price of the new product becomes high and its consumption ends up being small or there is a gridlock in the development of the products EXAMPLE OF ANTICOMMONS This is not objective research if the notion is to make profit 250 This situation can be directly perceived by examining changes within university systems. For example, in Japan, national universities that conduct public research have transitioned to University Corporations by which there is an emphasis in profiteering from any innovations it may develop (Nishijima, 2004). According to Nishijima (2004) the Japanese ministry of education has advocated universities to acquire patents of innovations and to partake in research activities with private organisations such as corporations. through establishing Technology License Office for the past few years. The transition of National University to University Corporation implies that results of basic research will suddenly change from public goods to private goods and that the anticommons problem will emerge in the product innovation where basic research and development of new products are complementary. In the case of National University, there seems no consensus (no argument so far) on how economists should formulate the objective function of national university.10 Even if we assume that national university behaves as if it maximized a particular objective function such as probability of research success subject to budget and other constraints, equilibrium variables of national university will not be far from those arbitrarily given, as long as the particular objective function is not convincing. Therefore we have no choice but to exogenously give particular values to variables Thus as Oliver (1992) ascribes, social research are sometimes forced to take sides as funding bodies are not willing to take risks and support user-controlled research. The point that Gouldner (1973) puts across is that sociology should focus on social change therefore it must take sides. Essentially, Marx emphasised the need for social research to contribute to social change, The Standpoint of the old materialism is civil society; the stand point of the new is human society, or social humanity. The philosophers have only interpreted the world, in various ways; the point is to change it. (Eastman, 1935) like Marx, Gouldner (1973) believed that sociology should count towards human emancipation thus Gouldner became a strong believer in public sociology. REFLEXIVITY 300 The notion of reflexivity. Researchers must give an indication of the purpose of their research and how they have come to partake in such research This illustrates some of the factors that can affect social research. Namely, the need for profit. PARSONIAN SOCIOLOGY ARGUES FOR EPISTIMOLICAL RESEARCH DISCUSS!! BURAWOY PUBLIC SOCIOLOGY DISTINCTION BETWEEN THOSE THAT ACT AND THOSE WHO DONT As Burawoy (2005: 324) asserts the possibility for public sociology comes from sociologys spontaneous connection to its reflexive relation with civil society. Burawoy clearly recognises that sociology in itself is a reflexive paradigm and suggests that it clearly needs to move from ideological theory to commitment to action. In a sense Burawoy (2005: 325) advocates that social research must take sides claiming like Marx and Gouldner that society should place human society or social humanity at its organising centre. 200 words Whilst this debate continues, a few conclusions can be drawn from this essay. Firstly, it is near impossible for social researchers to complete value free research. There are several factors that account for this. Namely as Gouldner asserts, the social context in which research is conducted. Secondly, It would seem that social research is clearly divided by professional and public sociology. Thus it is not a case of whether or not to take sides but more a case of which side our values empower us to choose. Those inclined towards professional sociology may attain that objectivity is not compromised whereas those inclined towards public sociology may recognise that it can be and even more so, that it is necessary to evoke humanitarian changes.

Impact of Campaign Contributions on Policy in Congress

Impact of Campaign Contributions on Policy in Congress Dominique Ornelas   The Impact of Campaign Contributions on Policy Making in Congress Introduction From the 1960s and continuing through the 1980s the number, activity and diversity of interest groups being represented in Washington proliferated. Observers of this phenomenon, primarily journalist, argue that the rise in interest group activity has resulted in interest groups enjoying far too much influence in Congress (Smith, 1995; Stratmann, 2000). However, scholars paint a far less certain picture as to the nature of interest group influence in Congress. This lack in academic consensus has led to a wealth of research. This research largely focuses on one question: how and to what extent do the campaign contributions of special interest groups influence the legislative decisions and actions of individual members of Congress. In this paper I will inventory and review this research to convey as clear as possible where we are in our understanding of whether or not campaign contributions influence the decisions of individual members of the U.S. Congress and conduct a content analysis Literature Review The increase of Political Action Committees involvement in congressional elections have resulted in journalist, scholars and the American public growing increasingly concerned about the influence of campaign contributions by interest groups. However, whether or not campaign contributions by interest groups influence congressional decision making is still a subject of popular and academic debate. The popular perception is that a great deal of corruption arises from large contributions to candidates and political parties or from certain types of expenditures on behalf of those parties and candidates (Persily Lammie, 2004). Sixty five percent of Americans believe that campaign contributions by special interest groups result in Member of Congress giving the contributor’s opinion special consideration because of the contribution (Smith, 2013). Figure 1 depicts the trend that as the presence and activity of interest groups increases so does public perception that government officia ls are crooked (Persily Lammie, 2004), thus conveying the idea that American’s believe Congress is beholden to special interest. Figure 1: Trends in Public Opinion of Government (1958-2002) Similarly, journalist have argued that campaign contributions contribute to the overrepresentation of special interest in Congress at the expense of the interest of unorganized citizens (Choate, 1990; Clawson, 1992; Curtis, 1990; Drew, 1983; Smith, 1990). However, according to several scholars popular opinion and the evidence that is presented by journalist in support of claims that campaign contributions impact Congressional policy making is seriously flawed (Smith, 1995; Souraf, 1992). As stated by Richard Smith (1995), Souraf (1992) and Edsall the research presented by journalist consists of various stories, interviews with lobbyist and members of Congress and correlation studies that do not present a causal relationship between the campaign contributions of interest groups and congressional decision making (Smith, 1995). In other words, a significant correlation between money and votes does not justify the conclusion that money buys votes and journalist failed to provide substantive evidence that suggest members of Congress would’ve voted differently if it were not for the contributions of interest groups (Thomas Stratmann, 2000). In fact, according to several sources, when you aggregate the research the work of scholars seems to suggest that the campaign contributions of special interest groups exert far less influence over Congress than commonly thought. However because there is less consensus amongst the academic community it is difficult to formulate a firm and concise conclusion. Moreover, this lack of academic consensus has led to a wealth of literature filled with conflicting results. Consider first the works concerning how campaign contributions effect roll call voting behavior on the House and Senate floor. On one hand you have various scholars asserting that campaign contributions by interest groups do marginally impact congressional roll-call voting behavior. For instance , a study conducted by Fleisher (1993) that analyzed how PAC contributions from defense contractors influence member’s votes for pro-defense positions on the floor showed that PAC contributions do in fact have an effect on the roll-call voting behavior of members of Congress (Fleisher, 1993). Similarly studies conducted by Stratmann (1991), Durden, Shogren and Silberman (1991) and Langbein and Lotwis (1990) all show that there’s a causal relationship between the campaign contributions of interest groups and congressional voting behavior. However, at the other end of the spectrum you have scholars asserting the exact opposite. Scholars Chappell (1982), Grenzke (1989), and Rothenberg (1990) all report views that suggest there is no statistically significant relationship between campaign contributions and members of Congress’ roll-call voting. However, between the two extremes lies research that purports mixed results. According to observations of Richard Smith several scholars including: Kau and Rubin (1981, 1982), Neustadl (1990) and Langbein (1993) all purport an array of results. The study conducted by Laura Langbein concludes that campaign contributions are effective primarily when the group’s ideology is consistent with the members underlying ideology and constituency. Another study conducted by Neustadl reports that the effectiveness of interest group contributions varies by the saliency of the issue. This lack of academic consensus is visible whether one looks at the House or the senate and whether one analyzes single votes or a string of votes. So how does one overcome these discrepancies in findings? In this study I will critically analyze the research as a whole and conduct a content analysis to look for areas in which there is academic consensus and determine the conditions under which, according to scholars, campaign contributions by interest groups have the most influence on the voting behavior of members of Congress. Data and Methods To examine the influence of campaign contributions by interest groups on the decisions of individual member of the U.S. Congress I will analyze†¦x amount of sources and conduct a content analysis. A content analysis is especially appropriate for this study because it will enable me to identify common themes throughout the literature and shed light on the areas in which interest group campaign contributions can influence the decisions of individual members of Congress. References Berry, Jeffrey M. Citizen Groups And The Changing Nature Of Interest Group Politics In America. Annals Of The American Academy Of Political And Social Science (1993): 30. JSTOR Arts Sciences VII. Web. 9 Feb. 2014. Chappell Jr., Henry W. Campaign Contributions And Voting On The Cargo Preference Bill: A Comparison Of Simultaneous Models.Public Choice36.2 (1981): 301-312.Business Source Complete. Web. 12 Mar. 2014. Fleisher, Richard. PAC Contributions And Congressional Voting On National Defense.Legislative Studies Quarterly18.3 (1993): 391-409.Political Science Complete. Web. 12 Mar. 2014. Fordham, Benjamin O., and Timothy J. McKeown. Selection And Influence: Interest Groups And Congressional Voting On Trade Policy. International Organization 57.3 (2003): 519-549. PsycINFO. Web. 9 Feb. 2014. Kasniunas, Nina Therese. The Influence Of Interest Groups On Policy-Making In Congress. Conference Papers Midwestern Political Science Association (2007): 1-31. Political Science Complete. Web. 9 Feb. 2014. Langbein, Laura I. Pacs, Lobbies And Political Conflict: The Case Of Gun Control.Public Choice77.3 (1993): 551-572.Business Source Complete. Web. 12 Mar. 2014. Neustadtl, Alan. Interest-Group Pacsmanship: An Analysis Of Campaign Contributions, Issue Visibility And Legislative Impact.Social Forces69.2 (1990): 549-564.Business Source Complete. Web. 12 Mar. 2014 Persily, Nathaniel, and Kelli Lammie. Perceptions Of Corruption And Campaign Finance: When Public Opinion Determines Constitutional Law.University Of Pennsylvania Law Review153.1 (2004): 119-180.Index to Legal Periodicals Books Full Text (H.W. Wilson). Web. 12 Mar. 2014. Rubenzer, Trevor. Campaign Contributions And U.S. Foreign Policy Outcomes: An Analysis Of Cuban-American And Armenian-American Interests. Conference Papers International Studies Association (2008): 1-48. Political Science Complete. Web. 9 Feb. 2014. Stratmann, Thomas. Can Special Interests Buy Congressional Votes? Evidence From Financial Services Legislation. Conference Papers American Political Science Association (2002): 1. Political Science Complete. Web. 12 Feb. 2014. Welch II, William M. The Federal Bribery Statute And Special Interest Campaign Contributions.Journal Of Criminal Law Criminology79.4 (1989): 1347-1373.Political Science Complete. Web. 12 Mar. 2014.

Democracies and Success in War Essay example -- Government War Democra

Democracies and Success in War Introduction Democratic governments have spread quickly around the world since the end of the Cold War and fall of the Soviet Union. Democracy has become one of the most desired regime types amongst states and is contributed to fostering wealth, stability, and even peace. Dan Reiter and Allan Stam argue that democracies are the most successful in war or military combat. In their book, Democracies at War, Stam and Reiter argue that after observing conflicts since the 1800’s, democratic governments tend to be more selective in choosing conflicts to participate in and democracies also have a propensity to win more often than authoritarian regimes. The purpose of this paper is to present a case study to test if democracies fight better wars. The paper will examine Stam and Reiter’s four propositions presented in their book and test the two propositions, political culture and political structure, that the authors suggest have a significant impact on democracies and the outcome of war. There are no previous intense case studies that have been performed over democracies and their success in wartime situations. Since only brief examples of case studies have been performed in previous literature, this paper will contribute to the discussion by presenting an intense case study on Israel during the Six Day War in 1967 and Yom Kippur War in 1979. For Stam and Reiter to be correct in their assessments over democracies high success rate in war, political culture and political structure must be found internally within Israel during the time period of these two conflicts. To be able to identify political structure and culture I have proposed a few variables that should be present wit... ...d freely choose to participate in both conflicts. However, the enormous threat by the Arab states, not only in these wars but since independence, were so overwhelming that Israelis had no choice but to fight or risk genocide thus giving merit to Desch’s argument. Democracy is winning out on all accounts and continues to grow, while authoritarian regimes, by choice or force, are dwindling on the world stage. Further research on Stam and Reiter’s claims should be tested, along with other arguments from democratic theorist. I suggest that an alternative case study be performed concerning a successful authoritarian regime to test claims of realist and institutionalist. A study of this nature coupled with research such as this paper presents can be compared and evaluated to obtain a firmer grasp on regime type and success in war.

Imagery in My Papa’s Waltz Essay examples -- My Papas Waltz Essays

Imagery in My Papa’s Waltz  Ã‚   Donald Hall describes the use of imagery in poetry as a device that "makes us more sensitive to [literature], as if we acquired eyes that could see through things"(p 530). Imagery creates vivid details that deal with one's sense of sight, sound, touch, smell, or taste. These details can be seen in Theodore Roethke's "My Papa's Waltz" because the senses of touch, sight, sound, and smell appeal to the reader in order to better explain the feelings of each character in the poem. Roethke's use of imagery creates a negative picture that is painted by the son of an abusive father. The poem "My Papa's Waltz" uses imagery by especially appealing to the sense of touch. The sense of touch also helps the reader to better understand the abusive father theme. The third stanza concentrates on the actual act of abuse. The author, Roethke, describes the battle wounds on the father and son that are inflicted by the father. The father's hand "was battered on one knuckle" from hitting his son with a belt (10). This is apparent because the son's "right ear scraped...

Treatment Of Hyperslanting Trapezium Health And Social Care Essay

The stableness of the trapeziometacarpal joint depends chiefly on the ligamentous agreement around it, the muscular tenseness, every bit good as its constellation. Sixteen ligaments were identified stabilising the trapeziometacarpal joint.REF The dorso-radial and deep front tooth oblique ligaments play a significant function in stabilising the joint, with the deep front tooth oblique ligament operation as a pivot for the first metacarpal motion during volar abduction to let rotary motion ( pronation ) of the pollex. The hyperslanting trapezium ( which is a term given for the hypoplastic trapezium that shows an overdone angle in relation to the first metacarpal ) is an uncommon status that is associated with hurting at the base of the pollex. It is more common in the dominant manus of females in their mid-twentiess, but can impact both sexes and both custodies. It consequences in an unnatural burden distribution at the metacarpal aspect of the trapeziometacarpal articulation, with gradual fading of the back uping ligaments, ensuing in increasing dorso-radial subluxation of the first metacarpal over the trapezium. Kapandji and Heim ( 2002 ) reported that Robert ‘s position ( Robert P. Bulletins et memoires de la Societe de Radiologie medicale de France. 1936 ; 24:687. is used for appraisal of the incline angle of the trapeziometacarpal articulation. The incline angle was defined harmonizing to as the angle between the longitudinal axis of the 2nd metacarpal and the axis of the trapeziometacarpal articulation represented by the line fall ining the two distal poles of the trapezium ( Fig 1 ) . The same angle is expressed besides as trapezial joust which is the complement of the angle formed by the intersection of a line tangent to the in-between tierce of the trapezial articular surface analogue to the scaphotrapezial articulation and a line analogue to the proximal tierce of the 2nd metacarpal. For custodies without degenerative arthritis, the normal trapezial joust angle is 42 & A ; deg ; Â ± 4 & A ; deg ; .ref There has been a dearth of literature published as disciplinary osteotomy and/or trapezial abnormalcies. In this survey, we aimed at rectifying the trapezial joust in non-arthritic trapeziometacarpal articulations by a dorso-radial unfastened cuneus osteotomy and bone transplant, reconstructing the normal biomechanics around the joint and get rid ofing the unnatural tonss sustained by the ligaments, taking to forestall the development of creaky alterations.Patients and MethodsBetween 2001 and 2007, 135 immature grownup patients in their mid-twentiess and early mid-thirtiess who conequectively presented with radial side carpus jobs were studied sing the grade of the trapezial joust and trapezial incline. Eleven patients were operated upon depending on both clinical and radiological appraisal for the trapeziometacarpal articulation. The patients were followed up at an norm of 53 months with a scope of 37 to 93 months. They were 8 females and 3 males. Seven patients had bilateral processs ( 18 custodies in entire ) . The age at surgery ranged from 18 to 34 old ages ; the norm was 25 old ages. All patients who were operated upon presented with radical pollex hurting, diminishing their public presentation at work and impacting their day-to-day life activities. DASH and modified DASH tonss were used to asses our patients. The trapeziometacarpal stableness was assessed harmonizing to the Eaton method. In each instance the tester stressed the basal articulation radially and ulnarly and assessed the sum of interlingual rendition of the base of the first metacarpal relation to the trapezium at the CMC articulation in millimetres. Besides we applied the metacarpal base compaction trial by using palmar directed force per unit area on the pollex metacarpal base while the CMC articulation is extended utilizing the opposite manus, and the shear manoeuvre as a trial of sidelong stableness of the CMC articulation. A cuneus corticocancellous bone transplant is obtained from the iliac crest with the base 8 – 12 millimeter harmonizing to the preoperative computations to rectify the grade of the trapezial joust. A 14 millimeter broad osteotome is inserted in the gap cuneus osteotomy and used to pry the trapezium unfastened. The bone transplant is inserted in the unfastened cuneus and the transplant is impacted into the osteotomy site and checked with fluoroscopy. A individual K wire is used for arrested development and inserted through the base of the first metacarpal, the trapezial fragments with the bone transplant in between. A POP slab is applied and left on for five to seven yearss so replaced by a pollex Spica dramatis personae for six-to-eight hebdomads. A rehabilitation plan for the thumb scope of gesture. Treatment of the painful, unstable, prearthritic basal articulation of the pollex has received comparatively small attending in the literature. Patients with prearthritic diagnostic TMJ hurting and instability, are by and large underappreciated, and are ab initio misdiagnosed as status other than radical joint instability. Extension osteotomy of the pollex metacarpal has been proposed to counterbalance for the incompetency of the anterior oblique ligament and cut down laxness in the dorsal-palmar way. An extension osteotomy of 30 & A ; deg ; is reported to give more than 90 % good consequences in footings of hurting alleviation and improved clasp and pinch strength at two old ages follow-up ( Tomaino, 2000 ) . The extension osteotomy shifts mechanical burden at the TMC articulation more dorsally and redirects force vectors, therefore a fixed subluxation and/or multidirectional instability should be a contraindication to the process. Besides the metacarpal osteotomy does non take into history the grade of trapezial incline. A more planetary instability may reflect a greater grade of capsuloligamentous hurt and may ask ligament Reconstruction. Theoretically, moderate to severe hyperextension and accompaniment metacarpal adduction would be expected to increase the tonss in the palmar compartment of the TM C articulation and emphasize the POL. For most writers, ligamentoplasty has been the preferable line of intervention to forestall trapeziometacarpal subluxation and early arthritis of the TMC Joint ( Eaton phase 1 or 2 ) . With more than 90 % good consequences reported with 5-7 old ages of follow-up The Eaton process uses a strip of the flexor wrist radialis sinew passed through a tunnel at the first metacarpal base perpendicular to the nail axis. Brunelli et Al. ( 1991 ) use an kidnapper pollicis longus transplant passed through a similar tunnel with first-class consequences. A good consequence can non be obtained utilizing this technique entirely in instances of trapezial dysplasia, as this dysplasia is the primary pathology and the ligamentous fading is secondary, and ligamentoplasty entirely will non keep the place of the pollex metacarpal in relation to the dysplastic trapezium. Trapezial osteotomy has been proved through experimental survey done on cadaverous limbs ( Ropars et. Al. 2009 ) to reconstruct the normal incline angle of the TMC articulation. That survey has emphasized that trapezial osteotomy is technically demanding with several possible complications but most of them can be avoided by a meticuolous technique and careful pick of the patients.

Bba 8th Sem Report Purbanchal University

CHAPTER ONE INTRODUCTION 1. 1 Background An internship is the period of supervision training required for qualifying for a profession. It follows a specified number of academic creditor and classroom years. An internship program is an educational plan which combines classroom theoretical knowledge and practical work experience in industrial, business, or government work situations. These help students to have opportunity to signify academic theories and principles to action, to test out career interests and to develop skills and abilities through carefully planned and supervised programs related to the career of their choice.Internship is a practical section of the BBA course required to be done by each and every BBA students. Internship is an applied form of knowledge which we have learnt in BBA till 8th Semester. Internship is just like a training section in which we get familiar with the corporate culture and gain practicability in our lifestyle. Hence, it is the way through which we can achieve our career objective. With its ultimate objective of educating students for professional pursuits in business, industry and government the Faculty of Management (FoM), TU has been continuously putting efforts towards providing quality education to the people.Furthermore, FoM has been contributing to increase the knowledge and understanding of business and public administration by offering various programs that best concede in achieving the objectives. Bachelor in Business Administration (BBA) is one of the programs offered by FoM with a view to fulfill the gap of Middle Level Managers in the job market with competent, practically able, socially responsive, creative and result-oriented management professionals.In its process of developing such professionals, BBA requires the students to gain an eight weeks experience as an intern that is expected to blend the theoretical knowledge gained in the classroom with the real work environment. This report is the result of the requirement which includes the study based on the knowledge and experience acquired at PRIME BANK as an intern. The report tries to focus on the accounting procedure at the bank along with other relevant information. 1. 2 Objectives of the ReportAn internship program is organized with a main objective to provide student an opportunity to be familiarize with organization activities and environment. Further it also provides us with an opportunity for developing managerial skills by working in the organization. It is to evaluate and compare the theoretical aspect with the practical life, with also to identify the problem and their underlying causes with complying developing capabilities to evaluate potential solutions that optimize organizations Strength, Weakness, Potential Opportunities and competitive Threats.It also helps to develop strategic skills in student which helps to reduce the risk and weakness, and to hub opportunities and strength. 1. 3 Methodology: 1. 3. 1 Organization Selection Being the student of finance it was necessary for me to analyze the activities of financial sector, specially banking sector. For organization selection my college helped me to assessed the banking organizations. With the help of college I finally get a chance to do internship in Laxmi Bank Limited.Accordingly, I dropped Personal Application and College Recommendation Letter with CV (Curriculum Vitae) in the PCBLafter; I followed up regularly with human resource manager till I was appointed for the internship. Finally, I was appointed on June at PCBL on CSD. 1. 3. 2. Placement During the internship period of eight weeks I was placed Customer Service Department (CSD),. The internship was really informative and beneficial. I would really like to thank the Human Resource (HR) department for my placement in the departments. 1. 3. 3.Duration of Internship The bank granted me the internship period of eight weeks starting from Jestha 20, 2068 B. S to Shrawan 13, 2067. In this pe riod I got an opportunity to be a part of various departments and work there. 1. 3. 4 Activities carried out During 8 weeks of internship, I was allocated at New baneshwor branch of PCBL. The more important function used in computer for performing daily banking transactions and setting up accounts is Pumori Plus software and the software helps to perform all the activities of various department as required.PCBL, one of the major financial intermediaries whose primary function is to transfer of monetary resources from the savers to the users. This section includes the study based on the internship period and the various tasks performed during the stay in bank. During these 8 weeks, I was placed in Customer Service Department, Remittance and Cheque Clearing Department. The activities I performed in the organization, during my internship on the basis of the departments are as follows:- Customer service department in there the various activities perform were:-It is very crucial departme nt where numbers of customers make face-to-face interaction with the staff of PCBL. Customer service is the provision of service to customers before, during and after purchase. Customer service department is one of the busiest as well as the major department of bank where the interaction of the customer is the most. * Opening new account for the customers visiting the bank. * Account Reactivation. * Closing of account * Informing about the banks product to the customer. * Suggesting type of product and services suited to customer. * Printing balance statement for the customers. Providing Balance Certificate to customer. * Preparing and issue cheque books for the customers and maintain record. * Informing the customers about the different department in the bank and respective function * Signature change Request. * Block, Refresh and Reissue new ATM-debit card after verification. * Reissue of pin. * Renew of fixed deposit. * Filling of KYC form. * Stop Payment for wrongly issued chequ e, as per request of Account holder. * Locker register, in and out time. * Making Daily Report and weekly report, regarding A/C open and A/c close. Recording Petty cash expenses and summit quarterly report. * Receiving and make call and Transfer the call. * File transfer and Management i. Cheque book request slips ii. Balance certificate photocopy and its issuance request application. iii. Account statement request applications. iv. Account Opening forms after completion. v. Visa debit card application forms, sms banking, E-banking and vi. Other incoming letters. * Keeping record of transaction (while distributing cheque book, Debit Card, A/C opening, statement printing, locker, Balance certificate etc). Updating information whenever necessaryOthers * Photocopying * Faxing * Make a call * Scanning 1. 4 Limitations of the Study * Time and resources constraints are other limitations of the study. * Since the internship period was limited to only 8 weeks, it was not possible to have in depth and detail study of all the activities of all departments. * The banking sector is the most competitive sector. So intern was made familiar with only the routine work of bank and was not made familiar to the core information of the bank. * The bank’s staffs were highly occupied by their work so they had very little time to interact with the intern. As internship period falls under the month of Assad during the closing time of banking sector so the bank’s staffs were highly occupied by their workloads so they had very little time to interact and monitor the interns. * The financial data of current fiscal year 2067/68 couldn’t be collected as the auditing process was not completed. * This report is mainly based on my personal individual experience and knowledge gained during internship period and theoretical knowledge gained from course study so lacking of technical terminology and its right use may seems to be missing.In spite of all those limitation, I ha ve tried my level best to gain adequate knowledge of banking and corporate culture and sincerely perform the task given by the supervisor and the staffs. The whole experience was an exciting challenge as well as excellent learning opportunity . CHAPTER -TWO INTRODUCTION OF THE INDUSTRY 2. 1 Meaning of bank An establishment authorized by the government to accept deposit , pay interest ,clear checks, make loans , act as an intermediary in financial transaction and provide other financial services to its customers.Bank is a financial institution, which deals with the money, receiving money as deposit from customer; honouring customer’s drawing against such deposits on demand, collection of cheques for customers and lending or investing surplus deposits until they are required for repayment. In present days, various types of Banks are established with various different product and purposes and targets such as Industrial Bank, commercial Bank, Agriculture Bank, Joint stock Bank, C o-operatives Bank and Development Bank etc. Modern Banks are more advanced than the ancient one.This is due to increased population and development resulting changes in industrial field and trade, increase in competition, changes in people’s ideology and due to increased inter relation and dependence with each other. It is generally said that the word â€Å"BANK† has been originated in Italy. In the middle of 12th century there was a great financial crisis in Italy due to war. To meet the war expenses, the government of that period a forced subscribed  loan  on citizens of the country at the interest of 5% per annum.Such loans were known as ‘Compare', ‘minto' etc. The most common name was â€Å"Monte'. In Germany the word ‘Monte was named as ‘Bank' or ‘Banke'. According to some writers, the word ‘Bank' has been derived from the word bank. It is also said that the word ‘bank' has been derived from the word ‘Banco' whi ch means a banch. The Jews money lenders in Italy used to transact their business sitting on banches at different market places. When any of them used to fail to meet his obligations, his ‘Banco' or banch or banch would be broken by the angry creditors.The word ‘Bankrupt' seems to be originated from broken Banco. Since, the banking system has been originated from money leading business; it is rightly argued that the word ‘Bank' has been originated from the word â€Å"Banco'. Today the word bank is used as a comprehensive term for a number of institutions carrying on certain kinds of financial business. In practice, the word ‘Bank' means which borrows money from one class of people and again lends money to another class of people for interest or profit 2. 2 Evolution of Banking IndustryThe first  banks   were the  merchants of ancient world that made  loans   to farmers and traders that carried goods between cities. The first records of such activit y dates back to around 2000 BC in  Assyria and  Babylonia Later in  ancient Greece and during the  Roman Empire lenders based in temples would make loans but also added two important innovations; accepted deposits and changing money. During this period there is similar evidence of the independent development of lending of money in  ancient China  and separately in  ancient India.Banking in the modern sense of the word can be traced to medieval and early  Renaissance  Italy, to the rich cities in the north like  Florence,  Venice and  Genoa. The  Bardi  and  Peruzzi families dominated banking in 14th century Florence, establishing branches in many other parts of  Europe. Perhaps the most famous Italian bank was the  Medici  bank, set up by Giovanni Medici in 1397. The development of banking spread through Europe and a number of important innovations took place in Amsterdam during the  Dutch Republic in the 16th century and in London in the 17th c entury.During the 20th century developments in telecommunications and computing resulting in major changes to way banks operated and allowing they dramatically increase in size and geographic spread. The  Late-2000s financial crisis  saw significant number of bank failures, including some of the world's largest banks and much debate about  bank regulation. As a public enterprise, banking made its first beginning around the middle of the twelfth century in Italy and the Bank of Venice, founded in 1157 was the first the public banking institution.Following it were established the Bank of Barcelona and the Bank of Genoa in 1401 and 1407 respectively. The bank of Venice and the Bank of Genoa continued to operate until the end of eighteen century. With the expansion of commercial activities in Northern Europe there sprang up a number of private banking houses in Europe and slowly it spread throughout the world. In Nepal, modern banking starts with the establishment of Nepal Bank Li mited. 2. 3 Development of Banking Industry in Nepal The history of modern financial system of Nepal was begun in 1937 with the establishment of the Nepal Bank Ltd. NBL) as the first commercial bank of Nepal with the joint ownership of government and general public. As mentioned above, Nepal Rastra Bank (NRB) was established after 19 years since the establishment of the first commercial bank ( i. e. ,NBL). After the establishment of NRB, Nepal witnessed a systematic development of the financial system. After the restoration of democracy in 1991, Nepal has clearly been following a liberalized economic policy and witnessing diversification in financial system. As a result, various banking and non-banking financial institutions have come into existence.As of mid-July 2002, there are 16 Commercial Banks, 16 Development Banks, 5 Regional Rural Development Banks, 54 Finance Companies, 34 Saving and Credit Cooperatives and 25 Non Governmental Organizations (NGOs) operating in the country. Nepal's first commercial bank, the Nepal Bank Limited, was established in 1937. The government owned 51 percent of the shares in the bank and controlled its operations to a large extent. Nepal Bank Limited was headquartered in Kathmandu and had branches in other parts of the country. There were other government banking institutions.Rastriya Banijya Bank (National Commercial Bank), a state-owned commercial bank, was established in 1966. The Land Reform Savings Corporation was established in 1966 to deal with finances related to land reforms. There were two other specialized financial institutions. Nepal Industrial Development Corporation, a state-owned development finance organization headquartered in Kathmandu, was established in 1959 with United States assistance to offer financial and technical assistance to private industry. Although the government invested in the corporation, representatives from the private business sector also sat on the board of directors.The Co-operative Ban k, which became the Agricultural Development Bank in 1967, was the main source of financing for small agribusinesses and cooperatives. Almost 75 percent of the bank was state-owned; 21 percent was owned by the Nepal Rastra Bank, and 5 percent by cooperatives and private individuals. The Agricultural Development Bank also served as the government's implementing agency for small farmers' group development projects assisted by the Asian Development Bank and financed by the United Nations Development Programme.The Ministry of Finance reported in 1990 that the Agricultural Development Bank, which is vested with the leading role in agricultural loan investment, had granted loans to only 9 percent of the total number of farming families since 1965. Since the 1960s, both commercial and specialized banks have expanded. More businesses and households had better access to the credit market although the credit market had not expanded. In the mid-1980s, three foreign commercial banks opened bran ches in Nepal.The Nepal Arab Bank was co-owned by the Emirates Bank International Limited (Dubai), the Nepalese government, and the Nepalese public. The Nepal Indosuez Bank was jointly owned by the French Banque Indosuez, Rastriya Banijya Bank, Rastriya Beema Sansthan (National Insurance Corporation), and the Nepalese public. Nepal Grindlays Bank was co-owned by a British firm called Grindlays Bank, local financial interests, and the Nepalese public. Nepal Rastra Bank was created in 1956 as the central bank. Its function was to supervise commercial banks and to guide the basic monetary policy of the nation.Its major aims were to regulate the issue of paper money; secure countrywide circulation of Nepalese currency and achieve stability in its exchange rates; mobilize capital for economic development and for trade and industry growth; develop the banking system in the country, thereby ensuring the existence of banking facilities; and maintain the economic interests of the general pub lic. Nepal Rastra Bank also was to oversee foreign exchange rates and foreign exchange reserves. Prior to the establishment of Nepal Rastra Bank, Kathmandu had little control over its foreign currency holdings.Indian rupees were the prevalent medium of exchange in most parts of the country. Nepalese currency was used mostly in the Kathmandu Valley and the surrounding hill areas. The existence of a dual currency system made it hard for the government to know the status of Indian currency holdings in Nepal. The exchange rates between Indian and Nepalese rupees were determined in the marketplace. Between 1932 and 1955, the value of 100 Indian rupees varied between Rs71 and Rs177. The government entered the currency market with a form of fixed exchange rate between the two currencies in 1958.An act passed in 1960 sought to regulate foreign exchange transactions. Beginning in the 1960s, the government made special efforts to use Nepalese currency inside the country as a medium of exchang e. It was only after the signing of the 1960 Trade and Transit Treaty with India that Nepal had full access to foreign currencies other than the Indian rupee. Prior to the treaty, all foreign exchange earnings went to the Central Bank of India, and all foreign currency needs were provided by the Indian government.After 1960 Nepal had full access to all foreign currency transactions and directly controlled its exports and imports with countries other than India. As a result of the treaty, the government had to separate Indian currency (convertible currency because of free convertibility) from other currencies (nonconvertible currency because it was directly controlled by Nepal Rastra Bank). In 1991 government statistics still separated trade with India from trade with other countries. Tables showing international reserves listed convertible and nonconvertible foreign exchange reserves separately. 2. Commercial bank at a glance Commercial banks are financial intermediaries that raise funds through demand and time deposits as well as from other sources, such as federal funds purchases and security repurchase agreements, funds from parent companies, and borrowing from other lending institutions (for example, the Federal Home Loan Banks). They use the funds to make loans, primarily to businesses and individuals, and to invest in securities. In context of Nepal the first commercial bank â€Å"Nepal Bank limited† was established in 1937 A. D. and second â€Å"Rastriya Banijya Bank† was established in 1966 A. D.Nepal has opened its door to foreign commercial banks in the kingdom almost a decade back. As the country followed economic liberalization, there was massive entrance of foreign banks in Nepal. Consequently Nepal Arab Bank was established in 1985 A. D. similarly the Nepal Indosuez Bank was established as joint venture between Nepal and France in 1986 A. D. , the legitimate entry of foreign commercial banks with full-fledged banking function led to rapid growth of banking system. After 1990 economic liberalization policy obtained by the government, now there are 33 commercial banks operating banking activities in Nepal.Latest commercial bank is Century Bank limited. The commercial banks expanded only since the 19th century. The industrial revolution of the 18th century opened the vast scope for the development of commercial banking in the last century. In the 20th century, banking institution became highly specialized and sophisticated especially in advanced countries like USA, UK and other countries. Commercial banks deal with activities of trade, commerce, industry and agriculture that seek regular financial and other help from banks for growing Table no. 1 List of Commercial Banks in Nepal S. No. Names| Operation Date (A. D. )| Head Office| Paid up Capital (Rs. In Millions)| 1| Nepal Bank Ltd. | 1937/11/15| Kathmandu| 3804| 2| Rastriya Banijya Bank Ltd. | 1966/01/23| Kathmandu| 3853| 3| Agriculture Development Bank Ltd. | 1968/01/02| Kathmandu| 94375| 4| Nabil Bank Ltd. | 1984/07/16| Kathmandu| 20298| 5| Nepal Investment Bank Ltd. | 1986/02/27| Kathmandu| 24091| 6| Standard Chartered Bank Nepal Ltd. | 1987/01/30| Kathmandu| 16102| 7| Himalayan Bank Ltd. | 1993/01/18| Kathmandu| 20000| 8| Nepal SBI Bank Ltd. | 1993/07/07| Kathmandu| 18639| 9| Nepal Bangladesh Bank Ltd. 1994/06/05| Kathmandu| 20103| 10| Everest Bank Ltd. | 1994/10/18| Kathmandu| 11196| 11| Bank of Kathmandu Ltd. | 1995/03/12| Kathmandu| 13595| 12| Nepal Credit and Commerce Bank Ltd. | 1996/10/14| Siddharthanagar, Rupandehi| 13997| 13| Lumbini Bank Ltd. | 1998/07/17| Narayangadh,Chitawan| 13000| 14| Nepal Industrial ; Commercial Bank Ltd. | 1998/07/21| Biaratnagar,Morang| 13116| 15| Machhapuchhre Bank Ltd. | 2000/10/03| Pokhara, Kaski| 16272| 16| Kumari Bank Ltd. | 2001/04/03| Kathmandu| 14850| 17| Laxmi Bank Ltd. | 2002/04/03| Birgunj, Parsa| 16140| 18| Siddhartha Bank Ltd. 2002/12/24| Kathmandu| 15610| 19| Global Bank Ltd. | 2007/01/0 2| Birgunj, Parsa| 15000| 20| Citizens Bank International Ltd. | 2007/06/21| Kathmandu| 19223| 21| Prime Commercial Bank Ltd| 2007/09/24| Kathmandu| 22457| 22| Sunrise Bank Ltd. | 2007/10/12| Kathmandu| 18554| 23| Bank of Asia Nepal Ltd. | 2007/10/12| Kathmandu| 15175| 24| DCBL   Bank Ltd. | 2008/05/25| Kamaladi, Kathmandu| 19209| 25| NMB Bank Ltd. | 2008/06/05| Babarmahal, Kathmandu| 16517| 26| Kist   Bank Ltd. | 2009/05/07| Anamnagar, Kathmandu| 20000| 27| Janata Bank Nepal Ltd. | 2010/04/05| New Baneshwor, Kathmandu| 14000| 28| Mega Bank Nepal Ltd. 2010/07/23| Kantipath, Kathmandu| 16310| 29| Commerz ; Trust Bank Nepal Ltd. | 2010/09/20| Kamaladi, Kathmandu| 14000| 30| Civil Bank ltd. | 2010/10/24| Kathmandu| 12000| 31| Century commercial Bank Ltd. | 2011/01/23| Kathmandu| 10800| Source: www. nrb. org. np 2. 5 Present Scenario of Banking Sector in Nepal There is tremendous growth in the number of financial institution in Nepal in the last two decades. At the beginning of 1980 s when financial sector was not liberalized, there were only few commercial banks and development banks performing baking activities in Nepal.There were few micro-credit development banks, finance companies, co-operatives and NGOs with limited banking transactions. After the liberalization of the financial sector, there has been a hallmark progress both in terms of the number of financial institutions and beneficiaries of financial services. Nowadays, there are 29 commercial banks operating in Nepal. On the other hand, a lot of financial cooperatives are also operating. With the increasing number of commercial banks, competition among themselves has also become more complex. In today’s dynamic environment, the commercial banks are trying to introduce nd establish themselves differently from other banks by providing special services and attractive schemes to its customers. Besides commercial banks, development banks are also improving their performance in Nepalese banking indu stry and they also play an important role in the growth of country’s economic position. CHAPTER -THREE INTRODUCTION TO PCBL 3. 1 Background Prime Commercial Bank Ltd. was incorporated in September 2007 as the 21st commercial bank in Nepal. We are a Category ‘A’ Financial Institution registered under the â€Å"Banks and Financial Institutions Act† of Nepal.It has been established by prominent business personnel and professionals from diversified areas with a prime objective of providing ‘Banking Services to Everyone' in the country where still large number of population are deprived of Banking Services. The Bank has in total 389 promoters holding 70% shares of the Bank. Prime Commercial Business Ltd has been established by prominent business personal and professional from diversified areas with a prime objective of providing â€Å"Banking service to everyone† in the country where still large number of population are deprived of Banking services .Grand opening was done by honorable finance Minister Dr. Ram Sharan Mahat on 28th September 2007. Its Head Office (HO) is situated at New Road, Bira Complex, and Kathmandu. The bank has established itself as an emerging player in financial sector with focus in customer service excellence maintaining excellent relationship with valued customers. It is counted among the top 10 commercial banks in Nepal by independent raters and publications in the country. The Bank’s shares are listed and actively traded in the Nepal Stock Exchange (NEPSE).With the concept of â€Å"Banking service to everyone†, PCBL has entered into banking business as the 21st Commercial Bank in the country. The bank has 24 branches and has introduced its first ATM facility at Bira complex, New Road (HO) to give 24 hours 365 days banking services to their valve customers. Top exporters and Importers of the country have established banking relationship with the bank with a substantial volume of foreign business which has substance the bank’s popularity in the international trade front.With the concept of â€Å"Banking service to everyone†, PCBL has entered into banking business as the 21st Commercial Bank in the country. The bank has 24 branches and has introduced its first ATM facility at Bira complex, New Road (HO) to give 24 hours 365 days banking services to their valve customers. Top exporters and Importers of the country have established banking relationship with the bank with a substantial volume of foreign business which has substance the bank’s popularity in the international trade front. 3. 2 MISSION/PURPOSE/OBJECTIVES/GOAL OF THE COMPANYOver the past 4 years, PCBL have been able to acquire a large customers base enabling to capture the market. This has been possible via continuous effort over the years to provide the facilities and best to the customers. The bank will endeavor to establish itself as technology savvy and customer friendly and try to maintain good relationship with its customers. PCBL gives the innovative approach that edge over any other banks when it comes to introducing modern banking products and services into the banking sector. The following are the objectives that PCBL has:- * To cater to all customer’s requirements. Promotion of national economy, society; individual enhancing the market share. * Mobilizing capital in important areas. * Ensure everyone with positive attitude towards customers needs and strong mutual relationship. * Providing international quality banking services to the corporate. * Providing complete financial solutions to customer and promising growth opportunities to employers. * To provide/ quality services and competitive prancing focus. * To collect spread throughout Nepal and channelize it into different productive development project. * Aims at rendering banking services to various sectors likes SMEs etc . 3 Capital Structure Prime Commercial Bank has been established by pr ominent business personnel and professionals from diversified areas with a prime objective of providing Banking Service to Everyone in the country where still large number of population are deprived of Banking Service. The bank will endeavor to establish itself as technology savvy and customer friendly and try to maintain good relationship with its customers. The bank has been established with following capital. Authorized capital | : NPR 300 crores| Issued capital | : NPR 150 crores| Paid up capital| : NPR 116. 37 crores| Paid up capital includes calls in advances of Rs 116. 37 crores. 3. 4 Product’s, Loan and Services of PCBL 3. 4. 1 Normal Saving Minimum Balance| NPR 500. 00| Interest Rate:| 6. 00% on Daily Balance| Interest Posting:| Quarterly| Product Features: * On Demand Statement * Free Debit Card * Free Cheque Book * Free SMS/Internet Banking * Free ABBS Facility * Unlimited Withdrawal/ Deposit * 3. 4. 2 Prime silver saving Minimum Balance| NPR 1000. 00| Interest Rat e:| 6. 00% on Daily Balance| Interest Posting:| Quarterly| Product Features: * On Demand Statement Free Debit Card * Free Cheque Book * Free SMS/Internet Banking * Free ABBS Facility * Unlimited Withdrawal/ Deposit 3. 4. 3 Prime corporate staff saving Minimum Balance| NPR 0. 00| Interest Rate:| 8. 00% on Daily Balance| Interest Posting:| Quarterly| Product Features: * On Demand Statement * Free Debit Card * Free Cheque Book * Free SMS/Internet Banking * Free ABBS Facility * Unlimited Withdrawal/ Deposit 3. 4. 4 Prime Shareholders Saving Minimum Balance| NPR 0. 00| Interest Rate:| 8. 00% on Daily Balance| Interest Posting:| Quarterly| Product Features: On Demand Statement * Free Debit Card * Free Cheque Book * Free SMS/Internet Banking * Free ABBS Facility * Unlimited Withdrawal/ Deposit 3. 4. 5Public Saving This product is available in each branch Minimum Balance| NPR 100. 00| Interest Rate:| 6. 00% on Daily Balance| Interest Posting:| Quarterly| Product Features: * On Demand Statem ent * Debit Card charge NPR 100. 00 * Free Cheque Book * SMS/Internet Banking charge NPR 50. 00 * Free ABBS Facility * Unlimited Withdrawal/ Deposit 3. 4. 6 Siddhi Ganesh Saving Account This Product is only available on Sorakhutte Branch.Minimum Balance| NPR 500. 00| Interest Rate:| 6. 00% on Daily Balance| Interest Posting:| Quarterly| Product Features: * On Demand Statement * Free Debit Card * Free Cheque Book * Free SMS/Internet Banking * Free ABBS Facility * Unlimited Withdrawal/ Deposit 3. 4. 7 Current Deposit Minimum Balance| NPR 5,000. 00| Product Features: * On Demand Statement * Free Debit Card * Free Cheque Book * Free SMS/Internet Banking * Free ABBS Facility * Unlimited Withdrawal/ Deposit Note:-Current A/c cost NPR 1000. 00 for gold purpose. 3. 4. 8 Fixed Deposit 3 Months Interest Rate:| 8. 0% on Daily Balance| Interest Posting:| Quarterly| 4 Months Interest Rate:| 9. 50% on Daily Balance| Interest Posting:| Quarterly| 6 Months Interest Rate:| 10. 50% on Daily Balance| Interest Posting:| Quarterly| Above 6 Month-below 1 year Interest Rate:| 11. 00% on Daily Balance| Interest Posting:| Quarterly| 1 year and above Interest Rate:| 11. 50% on Daily Balance| Interest Posting:| Quarterly| Note:- In fixed deposit interest rate will be negotiable by looking time period and Amount to be deposit. 3. 4. 9 Types of loan Deprived Sector(Institutional) * Deprived Sector(Retail) * Overdraft * Working Capital Loan * Demand Loan * Term Loan * Export Credit * Hire Purchases Loan – Commercial Vehicles * Hire Purchases Loan – Private Vehicles * Loan Against Fixed Deposits held with our bank * Loan Against Fixed Deposits held with our bank * Trust Receipt 90 days * Mortgage Loan * Loan Against Government Bonds * Loan Against Shares * Loan Against Gold ; Silver * Professional Loan * Equipment Loan * Education Loan * SME Loan * Home Loan 3. 4. 10. Wire Transfer * Transfer Money from your account to an account across the globe.The Wire Transfer (SWIFT messa ge) is a highly secure and efficient method of fund transfer. We have arrangements with major banks to send SWIFT messages which ensure secure and safe remittance to any place of your choice. 3. 4. 11. Foreign Currency Demand Draft * Get a demand draft in a foreign currency. * We provide you the facility to avail a Demand Draft in the following foreign currencies – Indian Rupee, US Dollar, and Pound Sterling. You can send the Demand Draft to the beneficiary, who receives payment from drawee bank on presenting the draft. 3. 4. 12. Traveler's Cheque Travelers' cheques are widely accepted instrument for convenience and safety instead of cash. We issue / encash traveler's cheque. 3. 4. 13. Western Union Money Transfer /IME /Money Gram * Customers can receive payments sent via Western Union Money Transfer/IME/Money Gram from our branches. 3. 4. 14. SCT Debit Card Card Services * SCT Debit Card (SCT Network) * 870 ATMs Network allover the Nepal. * 1500 Plus POS Terminals Network al lover the Nepal. * 4000 ATMs Network of Punjab National Bank allover the India. Transaction Limit Nepal (Withdrawal Limit) Maximum per transaction| NPR 16,000. 00| Minimum per transaction| NPR 500. 0| Maximum for a day| NPR 40,000. 00| India (Withdrawal Limit) Maximum per transaction| INR 10,000. 00| Minimum per transaction| INR 100. 00| Maximum for a day| INR 10,000. 00| Charges ATM Card Issuance Charge:| Free| New ATM Card Issuance forPublic Deposit Account Charge 😠 NPR 100. 00| Yearly Renew Charge:| NPR 200. 00| ATM Reissue Charge (For Lost, Expired & Damaged)| NPR 200. 00| Cash Withdrawal from Prime Bank ATM (Fee)| Free| Balance Enquiry from Prime Bank ATM (Fee)|   Free| POS Transactions (Fee)| Free| Cash Withdrawal from SCT Network other thanPrime Bank ATM (Fee)| NPR 25. 0| Balance Enquiry from SCT Network other than|   | Prime Bank ATM (Fee)| NPR 3. 00| 3. 4. 15. 365 Banking Branches| Holiday Counter| New road| 2:00 PM to 6:00 PM| Service Provides during Counter: * Deposit * Withdrawal * ABBS Facility * Cheque Collection * Foreign Currency Exchange * Travelers Cheque * Issuance of Indian/Foreign Currency Draft| 3. 4. 16. SMS Banking Track your account details anytime from anywhere Our SMS Banking lets you keep track of your account even while you are on the move. Register for the service by filling a registration form at our bank.After registration send SMS to 6262 with the keyword for your query. Receive a reply message on your mobile with your required information. SMS Services: Request Type| Query Message| Balance Enquiry| BE| Last 5 transactions in the account| ST| Note: – Type BE/ST in message box and send to 6262 3. 4. 17. E-Banking Services * Balance Enquiry * Account Statement * Interest Statement * Tax Statement 3. 4. 18. Safe Deposit Locker * Storing valuables at home becomes a security issue. * We offer safe, trustworthy space to store your valuables, documents and other things dear to you. 3. 4. 19.Locker Services * Deposit NPR 10,000. 00 to NPR 50,000. 00 * Annual fee from NPR 2000. 00 to NPR 10,000. 00 for various size 3. 4. 20. Letter of Credit * To establish Import Letters of Credit, sight as well as usance. * For you to be able to import required goods or purchase goods locally. 3. 4. 21. Bank Guarantees * We issue various bank guarantees to meet your different requirements for various purposes like bidding for tenders, issuing performance bonds, advance payment guarantees and custom guarantees. * We can also issue local guarantees against counter guarantees of acceptable foreign banks.Banking Hour Sunday – Friday 10:00AM – 3:00PM Evening Counter * 3:00PM – 7:00PM *Available only at specific branches 3. 5. ORGANIZATIONAL STRATEGIES The main focus of the bank is quality service. In order to be the leading provider of the banking products and services, via new technology distribution modern channels serving a target group of corporate and general customers. Some of the strategie s of the PCBL are as following:- * To develop a customer oriented service culture with special emphasis on customer care and convenience. * To increase PCBL‘s market share by following a disciplined growth strategy. To develop innovative products and services that attract PCBL’s targeted customers and market segments. * To maintain a high quality asset portfolio to achieve strong and sustainable returns and to continuously build shareholder’s value. * To explore new avenues for growth and profitability. * To serving the client’s needs effectively and proactively. * To focus on a well-defined list of high priority clients. * To enhance strong customer relationships. These are the strategies of PCBL that has helped the bank to stand as one of the most successful commercial bank in Nepal as PCBL is committed to serving the customers.They are dedicated to improving customer care and to take a leadership role as to integrate banking sector. PCBL seek to attract the best people and to be a leader in fulfilling their missions. 3. 6 Core value and Ethical principles Integrity and Business Ethics: Commitment to integrity and business ethics is our fundamental principle to do the business. Teamwork: We believe that essence of success is team work and thus achievement of VMO is possible only when every member of team contributes to their ability. Most importantly we consider all our business partners (clients) as a part of the team with whom we share our ideas/skills, learn rom each other and take the business relations to the greater heights so as to be mutually beneficial which will ultimately lead to the successful relationship. Respect and Humility: We understand that respect and humility are the key factors to motivate and drive every individual towards the organizational goals. We honor the culture, language, ethnicity, social values and entrepreneurial spirit of every individual across the boundaries and draw strength from equal opportun ity and diversity thereby enabling the growth of all the stakeholders.Professionalism: Everything we do, we do with the highest standards of professionalism. Research and Development with focus on business partners (clients/customers) is the key to pursue innovation, deployment of imagination and quality functions/characteristics and translate new ideas into reality consistently whereby we can delight the customer/clients by delivering the products/services with outstanding quality so that our relationships with our clients will remain forever.Good Governance: We are committed to ensure the transparency and internal control systems through clear-cut policy guidelines/manuals, procedures, central bank's rules regulations for our own satisfaction and to satisfy the regulators thereby ensuring the Corporate Good Governance. Loyalty: We maintain the highest level of loyalty towards all stakeholders, particularly the business partners (customers/clients) and promise to walk alongside the business partners at difficult times/situations.We will strive to prove that â€Å"Bankers are all weather friends† as against the traditional concept of â€Å"Fair weather friends† by maintaining the Business loyalty at all times. 3. 7. ORGANIZATIONAL STRUCTURE Table 2: List of Board of Director Board of Directors NAME OF THE DIRECTOR| DESIGNATION| EXPERIENCES| Mr. Narendra Bajracharya| Chairman| * Past President Hotel Association of Nepal. * Experience in the Banking sector for past 30 years. | Mr. Uttam Narayan Shrestha| Director| * 32 years of experience in Agricultural Development Bank. * General Manager in NIDC Capital Market for 2 years. General Manager Cottage and Handicraft Industry for 1 Year. | Mr. Rajendra Das Shrestha| Director| * 30 years of experience in industry and trading house. | Mr. Shyam Bahadur Shrestha| Director| * 4 years of experience in insurance companies * 20 years of experience in Pharmaceutical Industry| Mr. Uday Mohan Shrestha| Director| * 2 years of experience in Banking Sector * 25 years of experience in Hotel Industry| Mr. Umesh Shrestha| Director| * President for PABSON for 6 years * 30 years of experience in educational institutions. | CHAPTER FOURANALYSIS OF ACTIVITES DONE AND PROBLEM SOLVED 4. 1 CUSTOMER SERVICE DESK (CSD) Customer service  is the provision of  service  to  customers  before, during and after a purchase. It is a function of how well an organization is able to constantly and consistently exceed the needs of the customer and the department in any organization that deals with the queries and complains of the customer at first is known as customer service department. For any organization it is the very place which makes an early impression to the clients. It is the place where customers make the first contact with the clients.The image and the reputation of bank depend upon effective functioning of this department. It is the first place where the customers first get the service. It is very important to know that a highly satisfied customer stays loyal longer, buys more as the organization introduces new product, pays less attention to competing brands and is less sensitive to price. It would then not be inappropriate to say that this department is the key to success of any organization This department is involved in various activities from opening an account to its closing, providing account statement as per ustomer demand. The basic functions of this department are customer counseling, account operations and distribution activities etc Customer counseling is most important functions of customer service department. The efficiency of the customer service department or an organization is the outcome of the quality of the customer counseling that it provides. There are various kinds of products and services available in this organization. This department is also responsible for providing detail information regarding these different products and services. 4. 2.Major Activities Done on CSD (Business Desk) 4. 2. 1 Dealing with the customer It includes attending, solving queries and assisting customer to fill out the different types of account opening form such as saving, current and fixed deposit account correctly and also managed all the necessary documents related to his/ her identification form. Similarly client information was entered in record of ledger as well as in computer system. Various queries of clients are answered. All required information are provided very politely and sincerely. Work done by dealing with customer: helped them to fill cash deposit voucher * helped them to fill Account opening and closing form * helped them to use ATM * replied their queries regarding various product * gave direction to their required department 4. 2. 2 Account opening Customers who want to open new accounts are asked to fill in the form. They need to bring two passport size photographs. If they have a supplement or a nominee, then they have to brin g the nominee’s passport size photo and citizenship as well. There are basically two types of accounts: a) Saving Account:The different deposit schemes under the saving account can be listed above in chapter three. b) Current Account: Basically, this account is opened by sole-proprietorship, partnership firms, and corporations. The current account held in the name of firm is called â€Å"current corporate account†. The account holder has to maintain rupees five thousands as its minimum balance. Current account provides no interest on the sum deposited. However, firms can transfer the current account into â€Å"call account† in multiple of 10000; at the end of the day. Which provides interest on daily balance?Interest rates are negotiable on the basis of deposits. Current account can be opened for gold loan purpose also with minimum balance of NPR 1000. Account opening form is same for all type of product in PCBL but it should be maintain which type of account is going to opened in account opening form. Documentations: The bank should maintain proper documentation to know about the customer in person and to avoid account opening in the name of artificial person, companies, institutions etc. for all customers a proper application, identification document, photograph, specimen of signature are compulsory.Different documents are required for different companies and organizations. The different documents required for the individuals, companies and organizations are as follows: For an individual: * Citizenship certificate or passport or driving license. * Two passport size photographs. * Photo of nominee (if there is a nominee) * Citizenship certificate or passport or driving license (if there is a nominee) For a sole proprietorship firm: * Firm registration certificate * Income tax registration certificate (PAN/VAT) * Citizenship certificate of the proprietor. Authority letter (incase of third party operation) * Declaration of sole proprietorsh ip. For a partnership firm: * Partnership firm registration certificate. * Income tax registration certificate. * Partnership deed. * Resolution of partners. * Citizenship of partners. * Minute for account operation. For a private or public limited company: * Company registration certificate. * Income tax registration certificate. * Identification documents. * Memorandum of association * Articles of association * Board resolution * Minute for account operation. For a trust club or social organization: Registration certificate. * Trust deed. * Constitution and By laws * Board resolution Identification documents The company or individual is given an account number by filling in information provided on the form using the computer system. PBL uses the software Pumori for its banking ascertained. The form is sorted out and further worked on. The form is divided into four parts: account opening form, debit card application form, cheque request form and SMS banking form. The account openin g part is used to feed information in the system of the bank regarding the account, its type and details of its holder.Every application form is checked, scanned and approved by the operations incharge. After the approval of the operations incharge the forms are filed accordingly. Some customers may also want to close account. While closing account, it is necessary to get the signature on the account closing form by concerned bank personnel and the account holder. The account holder should return all the unused cheque leaves and should pay a certain charge as account closure fee as per bank’s system. 4. 2. 3 Closing of Account Procedure: * Ask the customer to fill up the form for closing the account * Verify the signature Get approval from the CSD in charge. * Deduct the necessary taxable amount and service charge from the balance * Calculate the net balance and ask the customer to draw the cheque of net balance and present it at the cash counter to issue cash * Get approval from all the department heads and file the document in account close section. Documents required while closing an account: Personal Account (saving) * Remaining cheque book * Debit card * Signature of the account holder in the account closing form Joint account * Remaining cheque book * ATM card Signature of all the members in account closing form Sole Proprietorship Account (other than Saving/ Premium Account) * Remaining cheque book * ATM card * Stamp of the company in the account closing form Account closure charges: * Rs. 750 for account closed, below six month from opened date. * Rs. 250 for account closed, after six month from opened date. 4. 2. 4 Cheque Book Issue Check book is issued at free incase the account holder lost the old request slip attached by the bank in previous cheque book. in such case RS 200 is charged. Procedure: The customer is asked to fill the white slip or new cheque book request slip of their old cheque book ( if they had used cheque book before) * Acco unt no is inserted on cheque inventory of computer system * Signature of Account holder is matched of slip and system. * Starting no and ending no of cheque book is inserted and posted * Cheque book record is kept on respective file and customer is asked to sign on it * The lost cheque of the concerned account is blocked in cheque inventory of pumari plus system. 4. 2. 5 On Demand statementSometimes the customer demand for the statement of the transactions. Issuing the statement means giving the whole transaction history of the account from the date as asked by the customer up to previous day it is requested. No fee is charged. and statmend is only given to the account holder or the agents if any mentioned. Process: * Enter date from and up to statement is requested * Print the statement * make the record in register * Signature is verified and handover to the customer. 4. 2. 6 Balance Enquiry Is provided upon the request of the customer and is provided only to the account holder. 4 . 2. ATM Card Distribution Debit card distribution process: * When the card is received from the head office they are checked and recorded. * After which the account holder are informed about their card arrival via telephone. * Upon the arrival of the customer they are asked for their names and ac no if not then checked in the information from pumori and record the ATM in delivery register. * Then customer asked to sign on register. * Signature is verified. * At the day end, after 4 o’clock all card holders’ account no. , ATM no. , are arranged in a table form in computer and mailed to card centre for aking card active. 4. 2. 8 Other activities done : * Explain services * Answer general questions * Refers to person who can help them with their problems * filling the documents * printing * fax sending * assisting other departments personnal with their work Signature Scanning Scanning of the signature is to be done and approved by Department head on the same day of accou nt opening. When a customer comes to get new cheque book or ATM card or get statement the signature of the customer should be verified to the scanned signature in the account opening form.Balance of Certificate Issuance (BOC) BOC is written in the name of account holder by the Bank. It is issued as per request of the customer. On the issuance of BOC IDBL charges Rs 200. BOC is usually issued inequivalent of US dollar, euro dollar or pound. Customers applying for visa for going abroad usually require BOC. Cheque Destroying: Cheque destroying is not a frequent activity of CSD but it is a very crucial activity and it is considered highly sensitive. It is performed even there is certain mistakes in cheque printing.The cheque serial number must be same in the system (Pumori) and in the physical cheque. So, when the serial numbers do not match. The cheques are destroyed in the system and â€Å"void† is written in the physical cheque. The destroyed cheques are kept in the vault as t he cheque is equivalent to cash and likely to be misused if not destroyed and stored safely. Providing general information about the services provided: People come to bank for the different purposes and may not be clear about what they should do next or whom they should contact to get their job done.In such case, CSD is responsible for providing true and accurate information. People may inquire different things over telephone as well. CSD provides the correct information inquired by the customers. CHAPTER –FIVE CONCLUSION AND LESSON LEARNT 5. 1. Conclusion The intern chooses Prime Commercial Bank Ltd. for my internship. The intern felt it will provide with the practical exposure in the field. During intern’s internship period the staffs of PCBL were very cooperative and guided me all the way till the end of my internship period i. e. two months.All the knowledge gained in this whole period will surely be handy for my career in the field of banking sector. The theoretic al knowledge that gained in intern’s college is backed up with this internship program due to its practical nature. Furthermore, to learn new lesson which were not covered in classes. It was exciting to see the real professional environment of the office. There were many departments each specializing in its own field. Intern was very comfortable; they provided intern with their senior staff as intern’s instructor Mr.Geha Ranjan Joshi (BM) and respected staff took intern to many departments to help intern gain good knowledge about the real time scenario of an agency. PCBL has its policy, performance to attract its customers with many special provisions of the deposit system, the loans ; advances and it has opened most of its branches in the business area. Staffs of PCBL are motivated and they are well qualified and trained and also the bank has provided the internship program as well with opportunity for employment. PCBL has possibility of earning more profit and goodwi ll in the future as its financial statement growth rate is positive.Customer Service Department is the main interactive part of the bank, front desk service where first customer interacts and tries to deal with their particular tasks. The first hand service is provided from this section. Almost all the minor detail of the bank related issue can be handling through this section. Therefore, front desk is encouraging customers to come PCBL for the services like remittance and other. According to the survey done during my internship period shows that customers are satisfied with the behavior shown towards them.And major reason for using PCBL by customers also found to be customer relationship. 5. 2. Lessons Learnt 1) The most important thing that I have learned during May internship period is the value of time. Time is always a determining thing. Timing of work is the key for the success. During my internship period I have seen employee just say I will do it later and they forget to do that work. After some time senor give ring and said that why don’t you guys do that? What are you doing? After that they seem to be mentally weak. That reflects they seem to be mentally weak.That reflect on their work and finally on their performance appraisal. 2) Clear division of work is key for success of any organization. During my internship I have found LXBL Maharjung branch lack that. The employee of CSD are quite confused with their responsibility. The senior of them from cash department assign lots of work to the employees of CSD which are under their responsibility of cash department . they are junior and they have to follow orders They star to do that work and lots their work are on pending. These after some problem on point 1 starts. ) Leader and the leadership quality of a leader is another important thing for the smooth function of organization. It also reflects on the effectiveness and efficiency of the work. 4) Flexibility is also key service for the customer satisfaction. Lots of time costumer can't get service because they don’t have exact document the organization demands. If a customer has a supporting document that there is right and if they have the required document, but they forget to bring. Then the organization should be able to provide the service to the costumers. ) CSD and the teller is the main place, where the costumers visit the most. How the employee on CSD and teller because to costumer, the reception of the costumers about the bank is made that way. 6) The interpersonal relation required, the employee is also one of the important factors for the success of organization. 7) The mental attitude of employee is also an important factor. Every employee should also understand that we are all human beings. We all have feelings. We all have emotion. We have master of our world so the leader doesn’t have to think that he is the senior and whatever I said they have to follow it.And junior doesn't have to think I am tae junior and they don’t listen to me. 8) Eagerness toward the work and toward the progress leads towards the development of employee as well as the high level performance an organization. 9) Human resource management is the main key of success for an organization. We can do whatever change to the infrastructure and the technology and other thing. Unless and until your employees are not motivated as manager you can't do anything. 10) Last but not the least, the organization structure, culture and most importantly the employees are the key success of an organization.