Portraying the Urban Envirnoment Through the Film Entre Nos Essays

The film Entre Nos has numerous worldwide issues identified with it, for example, how to prevail in new urban condition, getting by through an affectionate of fellowship while being obscure in a major city, and thick urban situations. Entre Nos shows how living in a thick urban neighborhood is hard in light of the fact that the populace is so high which makes it harder to land positions and discover lodging. The film likewise shows how having an affectionate of companions in a major city can be advantageous and can assist you with prevailing in the urban condition. The battles of movement are associated to Entre Nos alongside the article â€Å"The Urban Prospect† by Lewis Mumford which examines the populace emergency in the thick urban condition. A thick urban neighborhood is characterized as a topographically associated territory with a populace thickness of at any rate 1,000 individuals for each square mile. Entre Nos happens in Queens, New York which is the fourth-most thickly populated district in the United States. Living in such a populated territory can cause numerous issues inside itself yet increments in the event that you are curious about the region like Mariana and her youngsters were in the film. Since there are such huge numbers of individuals in these thick neighborhoods, work and living plans are difficult to find. With work, individuals in the general work power in the United States need somebody instructed who can communicate in English smoothly. This is hard for individuals of movement in light of the fact that the dominant parts of them are remote and are getting the language of English. The instruction part is likewise hard on the grounds that typically they have been working the entirety of their lives t o help their families thus training was neither a need nor time reasonable. In the article â€Å"The Urban Prospect† Lewis Mumford states â€Å"Given the high densities for... ...ck into our economy. Taking everything into account, Entre Nos showed that the populace in a thick urban neighborhood is the reason for the lodging and work power being low. Without appropriate instruction and familiarity with the English language, it is more earnestly to get effective in the United States. The film likewise shows how having a dear companion while living in the large city can help you over the long haul. Individual settlers are attempting to work with one another not in rivalry. They share their experience and their insight with each other. The battle of workers was the last issue that emerged. While numerous foreigners are coming here to look for satisfaction in their lives, Americans have such a negative attitude toward them that they are not ready to support them. They see them are criminals for taking our cash instead of persevering individuals attempting to make a superior life for themselves.

The Day My Life Changed Essay -- essays papers

The Day My Life Changed I ventured through the entryway to my grandma and granddad's home without even a thump. My grandpa gazed upward from the TV he was viewing, from his comfortable comer seat. He had a head of blanketed white hair glimmering in the room. Over his wide body, hung a naval force blue dress shirt and a fluffy cardigan sweater. He wore slacks, held up ungracefully by a belt, permitting his little potbelly to hang over it. His face demonstrated the long periods of stress and stress, and his white ragged eyebrows and developing second jawline indicated his mature age. His grin welcomed me. As I gravitated toward to him, his maturing arms connected and folded over my body and maneuvered me into a warm cherishing embrace. As he discharged me from the embrace, I stated, Grandpa, I have some news I need you to hear as I thudded down in the seat close to him. I needed to tell you that I am getting hitched, I let him know. The room was left in a dead quietness, solidified for a short timeframe, as we recuperated from the power of the news I had brought him. Going after the remote to kill the TV, my granddad took a gander at me. Before he could state a word, the fervor of an inconspicuous grandma originated from the kitchen. Both our eyes looked toward the happy light and the hints of my grandma's energy As the fervor blurred away, his eyes moved in the direction of mine. Anticipating his remarks, my eyes were open wide. Energy had filled my body, due to the news I had recently brought him. Great, proceed...

Club IT

Club IT Club IT Home›Research Posts›Club IT Research PostsThe purpose of this research was to identify means and ways that could be used by Club IT in improving its clientele margin by finding ways of keeping up changing technological advances. This was done by identifying the types of wireless devices clients coming at Club IT used in operations like, document editing, gaming platforms, internet surfing, tracking devices among others.It was also aimed at identifying four organizations that used m-commerce and explained extensively four applications that Club IT could use in its operations. It was aimed at improving the IT standards of Club IT could offer to its clientele, by discussing ways of sending bulk SMS and identified some of the main players in SMS gateways on the internet, it was to embark at explaining a feasibility of mounting coupon campaign at Club IT to create a bigger clientele arena. (Norman 2002)Having a good number of TPS services on the internet this research identif ied and analyzed TPS for Club It, this was done by performing a cost-benefit analysis that was to assist or aid at acquiring a TPS for Club IT, there was clear quoting on the Tangibles and the intangibles of doing this.FINDINGS AND ANALYSISWireless devices have had a margin of growth and listing the whole set would be a long event, however, the identified wireless devices that have been used and clients were observed using at Club IT included: smart phones, gaming and document editing tablets; mac books; laptops; GPS devices for tracking; PDAs; dashtop mobile devices. The list is almost endless but the above devices seemed to exceed in appearance during the study.Organizations digging at the usage of m-commerce included Brick and Mortar Business, Big-box retailers and eBay. These organizations were found to use the m-commerce in almost every aspect of their operations, to deal with the changing technological times some of these organizations have integrated GPS in their operations i n that if a client orders for anything online, he or she doesn’t need to give direction and that they will deliver at the specific location shown on their mapping applications. The likes of Brick and Mortar Business offer location based services and that one of the application that was found to be appropriate to use at Club IT. (Candace 2005)Four of wireless m-commerce applications that showed to be usable at Club IT according to their appropriated usage method at target of usage according to this research included: Mobile Ticketing, mobile Content purchase and delivery, Location based services, information, mobile brokerage, mobile marketing and advertising. So choosing four of the most appropriate for use by Club IT, it would be:Mobile Ticketing â€" this is the process by which clients can fix orders, clear the payments, acquire and validate tickets from whatever location they’ll be at. Given that Club IT had members’ registration, it would be easy for the clients to acquire and obtain their tickets for special or outlines services at Club IT online.Mobile content Purchase and Delivery â€" this involves buying of services like ring-tones, video clips, bulk SMS services and wallpapers. For club IT this can be an appropriate m-commerce application in that it provides the content to the clientele from whatever geographical location they may be.Mobile Marketing at Advertising â€" for Club IT the use of this application can be in terms of their doing or integrating with other firms to market their products or services, they can advertise their own services and products if they do have purchase merchandise. (Nikhilesh 2006)Mobile Brokerage â€" it the online services that are aimed at keeping the customers or subscribers up to date with the changing market forms and the stock market. This information would be useful by Club IT to catch a bigger virtual clientele and to boost their business.Mobile Vouchers, coupons and loyalty cards â€" these are used by the s ervice or product seller to boost the morale of the customer and they are send to the clients as instant rewards for purchases they have done. The delivery of these is by the borrowing of location based servicing services.Since most or all customers to Club IT as it has been observed have subscribed to Short Message Services, the use of coupon campaign would be a great and positive move by Club IT in that it will be aimed at reaching out to a vast majority of clients, if the services they are offering are accessible all the time, they usage of subway-coupons-to-cell phones would bring in more clients in that they are covered in covering the distances to reach to Club It for the events that would be in place. It can also be targeted at giving clients the opportunity to entertain themselves as a means of assurance that Club IT has got them covered. The usage of bulk SMS and bulk email may be a good move to do this. Zeep mobile provides the services of bulk messaging and thus Club IT c an use their services as a SMS gateway. The use of this would be to reach out to as many people as possible, in which the end result would be a significant growth of Club IT’s clientele.ANALYZING A TPS FOR CLUB ITThe case of Club IT and its operations need to be monitored automatically and data compiled in presentable formats. If Club IT ventures into the m-commerce servicing, it would be advisable that they acquire a Transaction Processing System (TPS). To give guidelines according to the type of TPS they need to acquire, going by the research, it will be most appropriate for Club IT to establish the kind of payments they receive from clients. Then when installing a TPS it is the types of payments to Club It and the size of data and services they offer that will determine the kind and stability of the TPS that will manage the data, process the transactions, compile reports and move from the clients’ bank accounts to Club IT’s account. To minimize overspending the TPS to be us ed should be relevant to only performing the task and not in any way have a section of the program that isn’t being utilized. The purpose of TPS would be to do all the man power demanding tasks of transaction processing which in TPS case would cut off most of expenses and time in terms of seeing transactions go through. It would be beneficial in that it will be responsible of accounting and analyzing financial structure of Club IT. (Ee-Peng 2003)CONCLUSIONTypes of wireless devices used by Club IT clients have been identified and enlisted. Organizations using m-commerce and the types and examples of wireless m-commerce applications usable by Club IT have been explained. It has been found that bulk SMS is a useful utility to marketing and gathering more clientele for Club IT, the research has established an example of a bulk SMS gateway that Club It can use. Analyzing of a TPS has been done and the benefits of acquiring one have been discussed as well.

Depicting a Bleak Future in Paul Ehrlichs Book,...

â€Å"Why Isn’t Everyone as Scared as We Are?† is a chapter within a book written by Paul Ehrlich back in 1990 called the ‘Population Explosion’. It follows on from a previous book written by Ehrlich in 1968 called the ‘Population Bomb’ and depicts the bleak future for the earth created by overpopulation. The chapter points out links between overpopulation and problems of today including; pollution, poverty, resource depletion and environmental damage including habitat destruction and land clearing. I believe that at this point in time the fact that we have a major problem regarding population and environmental sustainability is well known. However, the â€Å"facts† in this chapter arent conveyed in a manner that reaches out to the general population in an effective way. To make a real difference, the facts (and the real facts at that, not predictions) need to be shown in a way that is not just overwhelming and will demonstrate how the issue at hand pertains to individuals, not just the world as a whole. This will make people care and in return contemplate the population issue, the cause and effects and possibly solutions. The doomsday language that was used by Ehrlich throughout the chapter along with the portrayal of death, â€Å"might result in the premature deaths of a billion or more people in the next few decades, and the AIDS epidemic could slaughter hundreds of millions† creates great fear and a sense of the inevitable. Although he succeeded in creating a c onversation that was

The Health Care Market Of Northeast Ohio - 1580 Words

The health care market in Northeast Ohio has garnered an enormous amount of changes within the last few years. These changes have been seen prominently within the health care market for children with serious illnesses. Hospitals that have not been involved in pediatrics are now emerging into this particular field. In order to contest this, Akron Children’s Hospital (ACH) decided to try to figure out how the selection of institutions and physicians amongst parents with seriously ill children work. This is an effort to differentiate itself from other health care providers entering the pediatric care market. The advertising strategies within the major hospital in the area had some similarities; a more distinctive adverting strategy was sought after. The research was conducted to identify the best way in which to communicate to give the hospital a competitive advantage over its competitors. Marcus Thomas LLC, the research company that was contracted by Akron Children s Hospital. This marketing research company utilized phone interviews, focus groups and surveys to learn the behaviors used in the decision-making process. With each research method that was conducted parents who have children between the ages of one month to eighteen years were sampled target. The target area that was sampled exceeded the county where Akron Children’s Hospital is based. It can be inferred from the survey that decision makers use emotions and not rational thinking. Having children with illness isShow MoreRelatedDescription Of Service Provided Within Cleveland State University Case Study1133 Words   |  5 PagesCleveland State University: School Health Community of Practice I am a member of the School Health Community of Practice, an interdisciplinary forum of professionals who are committed to safeguarding the health and well-being of school-age children. The School Health Community of Practice engages faculty, staff and students across colleges at Cleveland State University in dialogue and collaboration in research, service and teaching endeavors relevant to school health. Cleveland State University:Read MoreEssay about Non-Profit Capitalism9831 Words   |  40 Pages1. Executive Summary This report defines, examines and promotes a non-profit capitalistic business model. The model endorses enterprises which compete in the free market, but eschews profits in favor of social benefits. This entails an increased workforce with benefits and wages on par with current standards. This increased employee pool works under a staggered shift structure so that each employee only works a 3-day (24 hour) workweek. 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Since the process takes too long, the best candidates might move on long time before company makesRead MoreA Case Study of Akron Children‚Äà ´s Hospital2143 Words   |  9 Pagesprocess called observation is necessary to drill down and determine exactly where research efforts should be placed (Cooper amp; Schindler, 2008, online case). In t he case of Akron Children s Hospital, located in a highly competitive area of Northeast Ohio, the hospital was seeking to differentiate its medical facility from two others in the area. The other two nationally recognized hospitals were a rainbow babies and Children s Hospital and the Cleveland clinic. Both of these facilities had earnedRead MoreProctor and Gamble2710 Words   |  11 PagesProcter Gamble is an American global corporation based in Cincinnati, Ohio. It’s known as the world’s largest consumer goods company. PG is ranked 86 in the 2012 fortune 500 list with a revenue of $ 82.5 billion. As of 2008, PG is the 23rd largest US company by revenue and 14th largest by profit. PG India is a subsidiary of world’s largest consumer goods company Procter Gamble a nd the largest and fastest growing consumer goods companies in India. PG India, was established in 1964 andRead MoreProductivity Measurement in Service Operations: A Case Study from the Healthcar e Environment3074 Words   |  13 PagesThe health services sector is using service quality management extensively. Service quality management basically extends the standard of quality which people expect in clinical care into every aspect of a hospital’s services. Service quality management involves a pervasive, across the board integration of quality care, quality of services, and quality of an administrative system, synchronized to deliver ever higher standards of performance in everything a hospital does. Given that health-care organizationsRead MoreProcter and Gamble Market Analysis Essay7261 Words   |  30 Pagesprocter and gamble market analysis Executive Summary 3 Swot Analysis 4 Cash Assessment 5 Profitability Assessment 8 eARNING PER SHARE 9 MARKET ANALYSIS 10 INDUSTRY ANALYSIS 10 Target marke 10 customer profile 11 major competitors and participants 12 market segmentation 12 PROJECTED MARKET GROWTH AND MARKET SHARE OBJECTIVES 13 PRODUCT AND SERVICE OFFERING 13 PRODUCT AND SERVICE UNIQUENESS 14 PRODUCT AND SERVICE DESCRIPTIONS 14 COMPETITIVE COMPARISON 15 research and developmentRead MoreStrengths And Weaknesses Of Resilience2859 Words   |  12 Pagesdisaster vulnerabilities, especially of low-income urban occupants. Transients, for instance, settle in areas either initially hazardous (vulnerable to surges, landslides, and so forth), or contribute to the increase of man-made hazards (ecological, health, and technological) influencing everybody within the area. Indeed normal hazards have social and economic ramifications. Global change directly influences urban vulnerabilities, such as the rise of the sea level, thus causing flooding. At least

The Silver Linings Playbook Chapter 39 Free Essays

string(54) " me really sad because Danny was a good friend to me\." An Episode Seems Inevitable I rise before dawn on Christmas morning and begin my weight-lifting routine. I am nervous about being reunited with Nikki today, so I double-time my exercises in an effort to work off my anxiety. I realize the note Tiffany gave me last night suggests that Nikki might not be interested in meeting me at that special place once dusk rolls around, but I also know that in the movies, just when the main character is about to give up, something surprising happens, which leads to the happy ending. We will write a custom essay sample on The Silver Linings Playbook Chapter 39 or any similar topic only for you Order Now I’m pretty sure that this is the part of my movie when something surprising will happen, so I am trusting in God, who I know will not let me down. If I have faith, if I go to that special place, something beautiful will happen when the sun sets – I can feel it. When I hear Christmas music, I stop lifting and go upstairs. My mother is cooking eggs and bacon. Coffee is brewing. â€Å"Merry Christmas,† Mom says, and gives me a little kiss on the cheek. â€Å"Don’t forget your pills.† I take the orange bottles from the cabinet and twist off the lids. As I swallow my last pill, my father comes into the kitchen and throws the newspaper’s plastic cover into the waste bucket. When he turns and heads for the family room, my mother says, â€Å"Merry Christmas, Patrick.† â€Å"Merry Christmas,† Dad mumbles. We eat eggs and bacon and toast together as a family, but no one says much. In the living room we sit around the tree. Mom opens her present from Dad. It’s a diamond necklace from some department store – tiny diamonds in the shape of a heart on a thin gold chain. I know for a fact that Mom has a similar necklace, because she wears it almost every day. My father probably gave her the same thing last year, but Mom acts really surprised and says, â€Å"Patrick, you shouldn’t have,† before she kisses my father on the lips and then hugs him. Even though Dad doesn’t hug Mom back, I can tell he is happy, because he sort of smirks. Next, we give Dad his present, which is from both Mom and me. He tears off the wrapping paper and holds up an authentic Eagles jersey, not one with iron-on decals. â€Å"Why doesn’t it have any numbers or a name on it?† he asks. â€Å"Since McNabb went down, we thought you’d want to pick a new favorite player,† Mom says. â€Å"So when you do, we’ll have the correct number and name sewn onto the jersey.† â€Å"Don’t waste your money,† Dad says, putting the jersey back into the box. â€Å"They won’t win today without McNabb. They’re not going to make the play-offs. I’m done watching that lousy excuse for a football team.† Mom smiles at me because I told her that Dad would say as much, even though the Eagles have been playing pretty well. But Mom and I both know Dad will be watching the Eagles play the Cowboys later today and will pick a new favorite player late next summer – after watching one or two preseason games – at which time he will say something like, â€Å"Jeanie, where’s my authentic Eagles jersey? I want to get those numbers sewn on before the season starts.† A few dozen presents are for me, all of which Mom bought and wrapped. I get a new Eagles sweatshirt, new running shoes, workout clothes, dress clothes, a few ties, a brand-new leather jacket, and a special running watch that will help me time my runs and will even calculate the calories I burn while running. And – â€Å"Jesus Christ, Jeanie. How many presents did you buy the kid?† Dad says, but in a way that lets us know he is not really all that mad. After we eat lunch, I shower and put on underarm deodorant, some of my father’s cologne, and one of my new running outfits. â€Å"I’m going to try out my new watch,† I tell Mom. â€Å"Caitlin and your brother will be here in an hour,† Mom says. â€Å"So don’t be too long.† â€Å"I won’t,† I say just before I exit the house. In the garage, I change into the dress clothes I hid there earlier in the week – tweed pants, a black button-down shirt, leather loafers, and the expensive overcoat my father no longer wears. Next, I walk to the Collingswood PATCO stop and catch the 1:45 train to Philadelphia. It begins to rain lightly. I get off at Eighth and Market, walk through the drizzle to City Hall, and catch an Orange Line train headed north. Not many people are on the train, and underground it does not feel like Christmas at all. But the trash-smelling steam that wafts in at every stop when the doors open, the marker graffiti on the orange seat across from me, the half-eaten hamburger lying bunless in the aisle – none of it brings me down, because I am about to be reunited with Nikki. Apart time is finally about to end. I get off at Broad and Olney and climb the steps up into North Philly, where it is raining a little harder. Even though I remember being mugged twice near this subway stop when I was a college student, I do not worry, mostly because it’s Christmas and I am a lot stronger than I used to be when I was an undergraduate. On Broad Street I see a few black people, which gets me thinking about Danny and how he always used to talk about going to live with his aunt in North Philly just as soon as he got out of the bad place – especially whenever I mentioned my graduating from La Salle University, which is apparently close to where Danny’s aunt lives. I wonder if Danny ever made it out of the bad place, and the thought of him having Christmas in a mental institution makes me really sad because Danny was a good friend to me. You read "The Silver Linings Playbook Chapter 39" in category "Essay examples" I stick my hands into my dad’s overcoat pockets as I walk down Olney. With the rain, it is sort of cold. Soon I am seeing the blue-and-yellow flags that line the campus streets, and it makes me feel happy and sad at the same time to be back at La Salle – almost like looking at old pictures of people who have either died or with whom you have lost contact. When I get to the library, I turn left and walk past the tennis courts, where I make a right and stroll past the security building. Beyond the tennis courts is a walled-in hill, with so many trees you’d never believe it was in North Philly if someone had led you here blindfolded and then removed the blindfold and asked, â€Å"Where do you think you are?† At the bottom of the hill is a Japanese teahouse, which is as picturesque as it is out of place in North Philly, although I have never been inside to have tea – because it is a private teahouse – so maybe the inside has a city feel to it; I don’t know. Nikki and I used to meet on this hill, behind an old oak tree, and sit on the grass for hours. Surprisingly, not many students hung out in this spot. Maybe they did not know it was there. Maybe no one else thought it was a nice spot. But Nikki loved sitting on the grassy hill and looking down at the Japanese teahouse, feeling as though she were somewhere else in the world – somewhere other than North Philadelphia. And if it weren’t for the occasional car horn or gunshot in the distance, I would have believed I was in Japan when I was sitting on that hill, even though I have never been to Japan and don’t really know what being in that particular country is like. I sit down under a huge tree – on a dry spot of grass – and wait. Rain clouds swallowed the sun a long time ago, but when I look at my watch, the numbers officially make it dusk. My chest starts to feel tight; I notice that I am shaking and breathing heavily. I hold my hand out to see how bad the shakes are, and my hand is flapping like the wing of a bird, or maybe it is as if I am hot and trying to fan myself with my fingers. I try to make it stop, and when I can’t, I shove both hands into my father’s overcoat pockets, hoping Nikki will not notice my nervousness when she shows up. It grows darker, and then even darker. Finally, I close my eyes, and after a time, I begin to pray: Dear God: If I did something wrong, please let me know what it was so I can make amends. As I search my memory, I can’t think of anything that would make You mad, except for my punching the Giants fan a few months ago, but I already asked for forgiveness regarding that slip, and I thought we had moved on. Please make Nikki show up. When I open my eyes, please let her be there. Maybe there was traffic, or she forgot how to get to La Salle? She always used to get lost in the city. I’m okay with her not showing up exactly at dusk, but please let her know that I am still here waiting and will wait all night if I have to. Please, God. I’ll do anything. If You make her show up when I open – I smell a woman’s perfume. I recognize the scent. I breathe in deeply to ready myself. I open my eyes. â€Å"I’m fucking sorry, okay?† she says, but it’s not Nikki. â€Å"I never thought it would lead to this. So I’m just going to be honest now. My therapist thought you were stuck in a constant state of denial because you were never afforded closure, and I thought I might afford you closure by pretending to be Nikki. So I made up the whole liaison thing in an effort to provide you closure, hoping you would snap out of your funk and would be able to move on with your life once you understood that being reunited with your ex-wife was an impossibility. I wrote all the letters myself. Okay? I never even contacted Nikki. She doesn’t even know you’re sitting here. Maybe she doesn’t even know you are out of the neural health facility. She’s not coming, Pat. I’m sorry.† I’m staring up into Tiffany’s soaking-wet face – wet hair, runny makeup – and I can hardly believe that it’s not Nikki. Her words do not register at first, but when they do, I feel my chest heating up, and an episode seems inevitable. My eyes burn. My face flushes. Suddenly I realize that for the past two months I have been completely delusional, that Nikki is never coming back and apart time is going to last forever. Nikki. Is. Never. Coming. Back. Never. I want to hit Tiffany. I want to pound her face with my knuckles until the bones in my hands crumble and Tiffany is completely unrecognizable, until she no longer has a face from which she can spew lies. â€Å"But everything I said in the letters was true. Nikki did divorce you, and she is remarried, and she even took out a restraining order against you. I got all the information from – â€Å" â€Å"You liar!† I say, realizing that I am now crying again. â€Å"Ronnie told me that I shouldn’t trust you. That you were nothing but a – â€Å" â€Å"Please, just listen to me. I know this is a shock. But you need to face reality, Pat. You’ve been lying to yourself for years! I needed to do something drastic to help you. But I never thought – â€Å" â€Å"Why?† I say, feeling as if I might vomit, feeling as though my hands might find Tiffany’s throat at any moment. â€Å"Why did you do this to me?† Tiffany looks into my eyes for what seems like a long time, and then her voice sort of quivers like my mom’s does when she is saying something she really truly means. Tiffany says, â€Å"Because, I’m in love with you.† And then I am up and running. At first Tiffany follows me, but – even though I am in my leather loafers and it is raining pretty steadily now – I am able to find the man speed she does not have, running faster than I ever have before, and after taking enough turns and weaving through enough traffic, I look back and Tiffany is gone, so I slow my running a bit and jog aimlessly for what seems like hours. I sweat through the rain, and my father’s overcoat becomes very heavy. I can’t even begin to think about what this all means. Betrayed by Tiffany. Betrayed by God. Betrayed by my own movie. I’m still crying. I’m still jogging. And then I’m praying again, but not in a nice way. God, I didn’t ask for a million dollars. I didn’t ask to be famous and powerful. I didn’t even ask for Nikki to take me back. I only asked for a meeting. A single face-to-face conversation. All I’ve done since I left the bad place was try to improve myself – to become exactly what You tell everyone to be: a good person. And here I am running through North Philly on a rainy Christmas Day – all alone. Why did You give us so many stories about miracles? Why did You send Your Son down from heaven? Why did You give us movies if life doesn’t ever end well? What kind of fucking God are You? Do You want me to be miserable for the rest of my life? Do You – Something hits my shin hard, and then my palms are sliding across the wet concrete. I feel kicks landing on my back, my legs, my arms. I curl up into a ball, trying to protect myself, but the kicking continues. When it feels as though my kidneys have exploded, I look up to see who is doing this to me, but I only see the bottom of a sneaker just before it strikes my face. How to cite The Silver Linings Playbook Chapter 39, Essay examples

Religion, The State And Sovereignty Essay Example For Students

Religion, The State And Sovereignty Essay The influence of religion on humankind can be traced back to the first records of history. Religion has served as a pillar of strength to some and binding chains to others. There are vast amounts of information and anthropological studies revealing the interaction of religion and humankind. However, for the purposes of this paper, the time periods of study will be broken up into three sections. Each section will give a general description of how religion affected the institution of the state and its Sovereignty in a Euro-centric perspective. The first period is the early period, which will encompass from Christianity and the Roman Empire to the Medieval times (approx. 311 to 1100 A.D.). The second period will include the Renaissance, the Reformation to the Treaty of Westphalia (1101 to 1648 A.D.). The third and increment of history will range from 1649 to 1945 A.D. The date 311 A.D. marks the issuing of the Edict of Toleration for Christians. This date is important because it symboli zes national acceptance of Christianity, and planted its roots as a political institution. Later the Roman Empire on the verge of internal collapse acknowledged the importance of Christianity and used it to hold together the remnants of it former self. This adoption of Christianity took form and eventually became the Catholic church. The church became intermingled with politics and became a strong entity. The policies delivered from the church had more authority than the local rulers and magistrates of the developing feudal system. For example, St. Augustine wrote about war and what justified its enactment against fellow men. This policy was followed and adhered to for hundreds of years after St. Augustine wrote it. Another example, is the use of the Bible as a guideline for establishing governing systems. Scripture portrayed God as choosing the king of the people. The pope, being Gods representative was then given the authority to crown the king. This crowning process gave the pope large influence in the political arena. This ritual continued for a number of centuries. The Crusades, which occurred around 1100 A.D., played a crucial role in challenging the churchs authority. The pope identifying the spread of Islam as evil requested all of Europe embark on a Crusade to defeat the infidels. As the battles were fought, great treasures were found in the form of books and knowledge. These books were crude translations of old Greek texts, containing information which would eventually produce the waning of Church authority in the future. The Renaissance marked the beginning of intellectual re-birth. Writers such as Dante, Machiavelli, Guiarccidini, Vitoria, etc., all attempting to reform and some even contest church dominance. Dante in his imaginative work Inferno writes of hell which he envision is the popes final destination. Machiavelli takes a more direct role classifying the actions of a prince to be above morality and ultimately above the Church. He continues the affront by classifying a human character of virtu as being completely centered around man (humanism). The Raison D Tat is supreme especially in terms of the church belligerence. In the middle of the Renaissance, the Church was dealt a deadly blow from which it would never recover. This assault came via Martin Luther. His work, 95 Thesis, marked the beginning of the Reformation. This movement split the church into Catholic and Protestant sects. It marked the beginning of a bloody period which virtually split Europe in half. Examples of the conflict raged between Protestants and Catholics from the great slaughter of Protestants in Paris 1572 A.D. (7000 dead) to the Thirty Years War. With the Church in disarray, freedom was given to the state to begin to develop. During this period of Renaissance the political identity was going through a tremendous transformation. This transformation took form in what is called Absolutism. Princes began to tolerate less and less manipulation from the church. The political entity in the form of monarchy began to wean itself from the Church for its legitimacy and looked toward its own power. .ua5b2283ef17e455bc7b2c6f75cb725de , .ua5b2283ef17e455bc7b2c6f75cb725de .postImageUrl , .ua5b2283ef17e455bc7b2c6f75cb725de .centered-text-area { min-height: 80px; position: relative; } .ua5b2283ef17e455bc7b2c6f75cb725de , .ua5b2283ef17e455bc7b2c6f75cb725de:hover , .ua5b2283ef17e455bc7b2c6f75cb725de:visited , .ua5b2283ef17e455bc7b2c6f75cb725de:active { border:0!important; } .ua5b2283ef17e455bc7b2c6f75cb725de .clearfix:after { content: ""; display: table; clear: both; } .ua5b2283ef17e455bc7b2c6f75cb725de { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .ua5b2283ef17e455bc7b2c6f75cb725de:active , .ua5b2283ef17e455bc7b2c6f75cb725de:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .ua5b2283ef17e455bc7b2c6f75cb725de .centered-text-area { width: 100%; position: relative ; } .ua5b2283ef17e455bc7b2c6f75cb725de .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .ua5b2283ef17e455bc7b2c6f75cb725de .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .ua5b2283ef17e455bc7b2c6f75cb725de .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .ua5b2283ef17e455bc7b2c6f75cb725de:hover .ctaButton { background-color: #34495E!important; } .ua5b2283ef17e455bc7b2c6f75cb725de .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .ua5b2283ef17e455bc7b2c6f75cb725de .ua5b2283ef17e455bc7b2c6f75cb725de-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .ua5b2283ef17e455bc7b2c6f75cb725de:after { content: ""; display: block; clear: both; } READ: Life Lessons I've Learned from Baking EssayOther writers began to rise and discuss issues of sovereignty and the state. Thomas Hobbes discusses the state and refers to it as Leviathan which is the concurring title of his work. Believing man to be evil, Hobbes fashions his description of the state as the mechanism to control and harness the capabilities of man. There can be no peace as long as there is not absolute surrender to reason. The states interest is supreme, as well as, its authority. These ideas were written in direct opposition to the church and its history. Hobbes desired a complete refutation of the Churchs influence in government. Hobbes portrays a state as sovereign. The sovereignty of the state is in direct relation to its longevity and basic existence. State sovereignty must be perpetual and supreme. The authority of this described state would over-shadow the authority of the church. Continuing historically, the development of the thirty years war was significant in its unique result.The treaty of Westphelia was the agreement which not only settled the war, but gave absolute authority to the sovereign of each individual state. This was accomplished by granting the sovereign the right to choose which religion he/she desired and that in turn transferred down to the people. Thus, once again the authority of the church was restricted, however this time by the emergence of an institution called the state. During this period states begin to develop colonies and exploration of the new world. The discoveries and travel further challenged church authority. An example of this is the well founded scientific fact that the earth was flat. After such journeys by Columbus and Magellan, the concept of churchs monopoly on truth was attacked once again. The third period in history starts with the age of reason. Its intellectual basis of the time period is science and natural law. Empiricism plays a fundamental role in church legitimacy. Factual concrete proof of God and his work is not provided by science. States begin to mature politically as colonial powers. The Church or rather the concept of religion is still strong but begins a transformation during the Enlightenment. From Religion ideas of morality and natural law arise. Locke addresses the role of the government of a state. He portrays the ideas of a social contract between the people and its government. He continued by pointing out that the government has a commitment with the people it must with hold. Lockes writings also contained concepts concerning of natural rights which are inherent to human beings. This developed and identified that power now comes from the people. These people from which the government is derived and power (legitimacy) have rights and will be safe-gu arded by the people. The French and American Revolutions harnessed the ideas which the enlightenment wrote and discussed. The French Revolution exemplified the early stages of nationalism. Nationalism derives from a grouping of people who share common cultural and social experiences. From nationalism the concept of self-determination is derived.Phrases like, We the People. . . began to show up in constitutions and declarations, which showed consensus among people with like-minded purposes. The inception of positive law was the last and final blow to the concept of religion. Positive law is fashioned and codified by man. The law has replaced the concept of morality. The framework which laws create make the state and its sovereign powers legitimate and legal. States no longer operate in terms of what is just but on whether the legality for the action or jurisdiction have application. The evolution of the state and its sovereignty is clear. The Church once being a dominant political factor has been reduced to a mere whisper of advice. The influence of religion in instituting or in the elective process of choosing a representative ruler has been severely minimized. Sovereignty and the institution of the State has surpassed predestination and Divine Right of Kings. .u8ee2dcd08d620239a6e116745620a1fa , .u8ee2dcd08d620239a6e116745620a1fa .postImageUrl , .u8ee2dcd08d620239a6e116745620a1fa .centered-text-area { min-height: 80px; position: relative; } .u8ee2dcd08d620239a6e116745620a1fa , .u8ee2dcd08d620239a6e116745620a1fa:hover , .u8ee2dcd08d620239a6e116745620a1fa:visited , .u8ee2dcd08d620239a6e116745620a1fa:active { border:0!important; } .u8ee2dcd08d620239a6e116745620a1fa .clearfix:after { content: ""; display: table; clear: both; } .u8ee2dcd08d620239a6e116745620a1fa { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u8ee2dcd08d620239a6e116745620a1fa:active , .u8ee2dcd08d620239a6e116745620a1fa:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u8ee2dcd08d620239a6e116745620a1fa .centered-text-area { width: 100%; position: relative ; } .u8ee2dcd08d620239a6e116745620a1fa .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u8ee2dcd08d620239a6e116745620a1fa .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u8ee2dcd08d620239a6e116745620a1fa .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u8ee2dcd08d620239a6e116745620a1fa:hover .ctaButton { background-color: #34495E!important; } .u8ee2dcd08d620239a6e116745620a1fa .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u8ee2dcd08d620239a6e116745620a1fa .u8ee2dcd08d620239a6e116745620a1fa-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u8ee2dcd08d620239a6e116745620a1fa:after { content: ""; display: block; clear: both; } READ: Joseph Stalin EssayCategory: Religion

The feasibility Analysis for the Rope

Overview This new product is a device that uses pre-recorded voice command to control the movement of pets within homes. This is a wireless device that is fixed on the pet’s collar; it transmits and receives information from another device that the owner carries. The device functions within a limited radius in such a way that if the dog happens to go beyond the pre-determined radius, the recorded voice automatically controls the dog’s movement.Advertising We will write a custom report sample on The feasibility Analysis for the Rope-less Dog Lead specifically for you for only $16.05 $11/page Learn More The inclusion of the processor makes the device very interesting to use. This is because it will have the ability to restrict the distance between the dog and the master control radio. This means that the device is very specific and accurate. The part to be attached to the dog’s collar will allow for enough space to avoid choking as exp erienced in tethering. The tracking function will be necessary in cases where the master fails to respond owing to mechanical problems (Reilly and Millikin 1-6). Marketing The exploration of different sales models and prices for other devices indicates that the Rope-less dog lead will be attractive and of benefit to the market. The findings included the fact that for the company to progress, building a strong brand name will be necessary. This can be done by forming good relationship with retail chains all over the country. The company will mostly target the areas with dense populations and currently the statistics shows that population density is high in city centres (Dwyer, â€Å"Pet market Analysis Australia-Dog, Cat†). The pricing of this device must take into account the costs that the owner incurs on pets and substitute products. The cost of the device should consider training on its operations, it also depends on the type of animal it is used on, for dogs the price sho uld be around $ 100 considering that total cost of owning a dog can be as high as $ 500 annually (Dwyer, â€Å"Pet market Analysis Australia-Dog, Cat†). The population distribution of pets in Australia has experienced a general decline in major cities and towns in the recent years. This might be attributed to ineffectiveness of prior devices to control pets’ movements; this clearly shows that the effectiveness of Rope-less dog lead will attract more customers irrespective of its price. The table below indicates the population distribution of pets collected in the year 2005 (Dwyer, â€Å"Pet market Analysis Australia-Dog, Cat†). Australian Pet Ownership Statistics 2005 (‘000) Pet Type NSW/ACT VIC QLD WA SA/NT TAS TOTAL Dogs 1,219 894 819 338 373 111 3,754 Cats 804 599 443 261 227 92 2,426 The device also minimises the cost of having extra labour during its installation as compared to copper wire perimeter. The use of copper wire will involve extra activities like putting up poles and measuring the distance required for effectiveness of the perimeter wire. The owner is relieved of the tiresome work of always monitoring the pet, with this device the dog will monitor itself by responding to the pre-recorded command.Advertising Looking for report on other technology? Let's see if we can help you! Get your first paper with 15% OFF Learn More Competitive advantage Though several devices have been used in this industry, there is not a single one of them that has tried to apply the technology that Rope-less dog lead uses. The device has got the ability of creating a wireless restrictive perimeter around the home. If assumptions are made that the device can capture at least 5% of the market in the first year and the growth of its demand within the market share stands at 30% then the conclusion is that it will be an attractive profitable adventure. Currently competition is from Laser pointers whose coming into the market so it replaces the tethering method. Later it was found that the beam from laser pointers was dangerous to the pet’s sight, and that it could only be utilized at night. This provides a loop hole for Rope-less dog lead to utilize since it can be used all the time. However, Laser pointers which might have posed major competition to this device face some problems with the Australian government. Its sales and importation have been restricted and only certain classes allowed due to its security threats. Empirical survey must be conducted within the cities to determine the responses of the consumers and to establish both negative and positive impacts of the device on the market (Meyers 1). With the necessary improvements, the device has the capability of controlling large market share despite the presence of the competitors. This will basically rely on the strength of the image of the device through its brand name. The expansion of the device must consider as first priority assist ing the owners and increasing on sales. This should also put into consideration the kind of business models to employ that might guarantee profitable returns in case the firm plans to exit. Works Cited Dwyer, Bruce. â€Å"Pet market Analysis Australia – Dogs, Cats†. May 20th, 2010. Web. Meyers, Arlen. â€Å"Feasibility Analysis†. AAO – HNS Bulletin, April 2008 Denver, Colorado (May 2010): 1. Reilly, Michael and Millikin, Norman. â€Å"Starting a Small Business: Feasibility Analysis†. Montana State University. Mont guide MT 9510 (Aug.1996): 1-6.Advertising We will write a custom report sample on The feasibility Analysis for the Rope-less Dog Lead specifically for you for only $16.05 $11/page Learn More This report on The feasibility Analysis for the Rope-less Dog Lead was written and submitted by user BlackBolt to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

Whats the Most Stolen Book from Libraries

Whats the Most Stolen Book from Libraries It may not come as a huge surprise that the book thats most stolen from public libraries is The Guinness Book of World Records. The books popularity is irrefutable. It serves as a form of trivia, entertainment and to settle arguments over any kind of fact, whether its whos the fastest runner, which is the biggest city or the most populous country. Whatever you can imagine, the Guinness Book has it all. The Idea Is Born The concept of creating such a book took place 60 years ago when Englishman Sir Hugh Beaver, Director of the Guinness Brewery that brews the famous Guinness Beer, attended a shooting party. An argument occurred over which European game bird was the fastest. There was no record or reference book that could settle the argument. The First Edition Sir Hugh, with the assistance of twins Norris and Ross McWhirter who ran a fact-finding industry in London, founded the company Guinness Superlatives. The twins research formed the first Guinness Book of Records which was released in the UK in 1955 and became a bestseller in its first edition. The following year, it was released in the United States and also became an immediate bestseller. International Acknowledgment Since its first publishing, the book has gone on to worldwide success. Today, its published in 31 languages including Mandarin, Icelandic and Arabic. Its also expanded into the entertainment industry, with several television programs in different countries including the United States, Portugal, China, Turkey, Italy and Germany, among others. The shows have all been highly successful and often feature live performances by record holders. The first Guinness Book of Records show was launched in the UK where the books original researchers Norris and Ross McWhirter answered questions posed by children in the audience. The twins were known to have encyclopedic memories and were able to recall even the most obscure facts on the spot. Today, there are several Guinness World Records museums in cities like Hollywood, Tokyo, Copenhagen and San Antonio. The franchise sells interactive DVDs and a video game for Nintendo Wii. There is even a Guinness World Records Day founded in 2005. The book itself has been cited as holding world records. In 1999, it set the record of being the largest single print run of a case-bound book in color with 2,402,000 copies printed. In 1995, the company earned a visit to the London office by Queen Elizabeth II on its 50th anniversary. In 2006, Michael Jackson visited the New York Office where he received a special award for his record breaking album Thriller. Types of Records The type of records in the book can be as varied as you can imagine. The man holding the record for most tattooed human is Lucky Diamond Rich, who set the record in 2006 with 100% of his body covered in tattoos including his tongue, the rims of his eyes, inside of his ears and his â€Å"delicate† areas. In 2009, Ashrita Furman of Queens, New York, won the record for being the â€Å"Person with the most records† with 100 confirmed records. Over the years, some decisions were made to eliminate certain records from the book in order to promote public safety. Eating and drinking records, as well as sword-swallowing records were taken out in order to avoid potential legal suits for publishing facts that promote hazardous behavior. Proving a record is no easy feat and Guinness teams are responsible for analyzing claims in order to ensure their veracity. Claims are made through written applications that take 4-6 weeks to process. A quicker response can be gained by paying a fee of $450. With such a rich and entertaining history, its no wonder that the book also holds the record for being the most stolen book from public libraries.

Specialty Courts Essay Example | Topics and Well Written Essays - 2000 words

Specialty Courts - Essay Example Specialty courts have different goals depending on the category of specialty courts they are. There are therapeutic courts and nontherapeutic courts. The aim of therapeutic courts is the improvement of personal health in various areas such as treatment of mental health and substance problems. The courts also seek to try to increase court efficiency. As for nontherapeutic courts, their main objective is to increase court efficiency. Judges and court staff with special training would make this objective achievable, as they would decrease the time required to solve cases. Efficiency would, in turn, minimize uncertainty, disruptions and even stress associated with cases dragging on for long. The main aim of unified family courts is to have the management of all issues that pertain to a single family in one place. Such issues include divorce, equitable division of property, child custody and juvenile delinquency. The emphasis of these courts is on rehabilitation and safeguarding the inter ests of children. On the other hand, DTCs aim at treating people under criminal charges and who have problems with drugs and alcohol. They aim at reducing the rates of rearrest for offenses related to substance abuse.The authors planned to evaluate the specialty courts in two steps. First, they would assess how the presence of unified family courts and drug treatment courts in a North Carolina influenced the time children stayed under foster care and the placement they got when leaving foster care.

Textual Analysis Essay Example | Topics and Well Written Essays - 1000 words - 4

Textual Analysis - Essay Example Victor’s father’s death is the central event that unites Victor and Thomas. Without this death, in Phoenix, Arizona, both men would have continued to live their lives unchanged. As the trip begins, Victor wants only money from Thomas to make this trip alone. When Thomas stipulates that Victor can only have money for the trip, if he is allowed to come along, Victor reluctantly agrees. As the journey unfolds Victor finds that Thomas is worth much more than the money for the trip. Although it is no exaggeration to say that the trip is the most important event to accomplish in the beginning, in the end the trip itself was the important event. The use of flashback in this story helps the reader understand the past between Victor and Thomas. Without the understanding of Victor and Thomas’ past, the reader would be unable to grasp the importance of the trip for Victor’s father’s ashes. Since they are both Native Americans, death and life are perceived differently on the reservation, than in the white community of Spokane, Washington. Thomas’ storytelling relates the foundation of both young men in order for the reader to understand the importance of the trip. Not only Victor, but Thomas had a special relationship with Victor’s father as well. Thomas told Victor of the remembrance with his father during the long journey. He was thirteen years old, having a dream to get to Spokane. He stood there for awhile to have a vision at the falls waiting for the vision all Native American men have around that age. Instead of a vision, when he opened his eyes Victor’s father appeared. He took Thomas to a Denny’s restaurant, fed him and drove him home to the reservation. And then Thomas realized Victor’s father was his vision and dream that people are living under taking care of each other. He almost thought his dream betrayed him before that, but he was salvaged

Processes of Business Research

Processes of Business Research Introduction Here we understand what research is?; it is another word for gathering information or facts or data. The more information, facts, or data we have is helpful to solve the problem and make our own good decisions. Business Research subject end result is action and implement the advance knowledge we gained by contributing to our own challenging life or future business aspects. We interact with everyday people of ordinary people and extra ordinary people such as teachers, students, scientists, professors, scholars, business owners, librarians, book keepers, politicians and many more which was the result of advance knowledge created in the past to gather information. Accordance, to the three year degree program and final year first semester one subject; business research helpful students to be aware of their surroundings and accommodating to answers to the business related questions. Subsequently, we have learnt about how research contributes to management, identification of the research process such as; discovering the management questions and research questions, research proposal, research design, data collection and preparation, data analysis and interpretation, report writing and etc. Also, how to use the secondary data to answer management questions, identify and apply appropriate designs for conducting specific business research, how sampling is accomplished in survey research and the difference between probability and non-probability sampling and formulate testable research hypothesis based on management questions. Learning Experiences 2.1 Learning Experiences of Business Research Learning is all about gaining knowledge of or skill in by study, experience or being taught. Learning experience is observing and reflecting on the consequences of an action in a situation. Concrete experience Testing implications of Observations and reflections concepts in new situations Formation of abstract concepts and generations Figure 1. The experimental Learning Model Learning has considered as a four-stage cycle. Gradual experience is the basis for observation and reflection. Today, successful manager or administrator is differentiating from each other by not having the knowledge or skills by their capability if adopt and familiarizing the changing demands of their job and career by using the learning skills. There is a mortal about learning such as one learns or he/ she does not. More explains mortal about learning is deficient of accepting the learning process. 2.2 Learning processes of Business Research Coventry University in United Kingdom provides with vast opportunities and links for the career path of a business student. Academic career gives the opportunity to select the career path in chosen and pretend field. Combination of academic and business link provides the authority for both educational and the corporate sector experiences. Most of the research standards in the reality of business as most of the theories are ratify in real world of business. Research simply means a search of facts solutions to problems and it is systematic and methodical investigation. In addition, it is an organized inquiry and increases knowledge. In the environment, there are different issues such as socio-economic, health problems, human relations, marketing, production, finance etc and research provides answers to those problems taking place in the society, industry and trade. A research project allows students to apply theory to, and or analyze more issues that are general. It offers students an opportunity to identify and select a research problem and investigate it independently. In Business research we learn about research concepts which explains definition and application of research and formulating and clarifying the research topic, literature review which conduct how to do a literature search and critically review and analyze the literature, the research proposal, research design, data gathering sampling and questionnaires such as identifying the population sampling procedure, advantages; data gathering questionnaires as different source of data collection, data gathering interviews and alternatives, reflective journal writing and reporting results by written format and by presentations. Accordance to the Business Research all ten topics are interesting and effective. But the most interesting topic was data gathering, sampling and questionnaires; which is a vast area of business research subject. Business Research methods or techniques vary from size of the company and information required. For an example, customer research might engage with customer feelings or experiences about utilizing a product or service by using customer satisfaction methods such as questionnaires, seminars or interviews. When researching public information, business statistics on financial and educational information in relates to product usage, customer demographics and hours of television viewed by customers in a one geographic area will be av ailable as a end result of the research. Sampling help us to overcome constrains and to carryout, our work effectively and make our judgment accurately. Besides, it helps limit the item selection in a suitable manner without making unnecessary expenses with budgetary requirements. Sampling procedure, which contains with nine topics, was new to learn in business research subject. It helps in decision making. Learning reasons of Business Research Business Research is important within the organization or outside the environment issues to be solve and find the solutions. Research helps to solve existing decision-making problems, which makes the organization more profitable and solve problems of immediate concern. Most organizations put much effort to gather information before they make decisions. Research has need of effort, time, and money to have data collection to make good decisions. Business Research consists of a program which tells and show how appropriate the collected and scrutinized information that always supportive for good decision making. When the research and analysis are completed, the result is communed to management. This is why business research is important as it provides information; concerning critical issues that have an influence on the target market and marketing mix. In addition, business research is corporate to modify the market and solve the organization uncorrected or wrong data to remote regions at affordable cost and business to earn more profits. Business fail to continue in resourceful way without business research and it is vital for every field of business. Therefore, we cannot run our businesses without business research. When learning about the business research, it helps us to conduct our own research to benefit our business and future. From time to time, good blueprint of instructions helps with the research process. Learning Experience in relation to academic development I have been involved in Business Research by identifying and classifying dissimilar diversity learning methods and the end result of it. The intension of this research of this business research is to recognize unusual methods have been taught and implement to solve organizations problems and to identify the learning styles and suitable learning modes which is available and to improve with the design of learning experiences. There are two goals of academic development; such as particular detailed subject matter and learning about strengths and weaknesses as a learner. Understanding on the subject matter and strengths and weaknesses helps and support a framework for continuing learning on the job. Learning experience is not restricted to the classroom but also turn out to be an essential and unambiguous work. On the job experience; becomes a focus for testing and exploring new ideas. Learning Experience in relation to Professional Development In Business Research studies practical professional development of statistical power is important as; planning of sample sizes prior to gathering data used to evaluate statistical hypotheses. This helps to conclude apposite sample size; has important limitations in actual business research studies. More important relative to research proposal and main report in sample size approach is available with statistical testing of multiple hypotheses using different testing methodologies. Therefore, dissimilar hypotheses need to be involve with; correlation or regression analysis, the use of structural equation modeling, analysis of variance. As a result, the employ of the sample size strength of mind in decision making and in the main report most such studies and at work. In addition, this subjects directions for future business too. It helps for my research goals such as; product or service I want to sell or to determine potential market, size of the competition or to test the effectiveness and the market position of the product and service of my future intend business. Learning Experience in relation to personal development Own personal development plan is a key fundamental part of our career journey. During the three year degree program thorough knowledge about the subject, diversity of skills that we develop is essential to become an independent researcher in everyday life. We need to understand and identify the starting point and where you want to be to sequence to plan well-organized, resourceful and competent direction to obtain where we want to be in future or in a business position. Therefore, business research program has been helpful to indentify my current skills and in order to proceed with all the design took to track the career journey. In addition, I have learnt; a range of social research methods techniques and skills and how they has been used to address particular research questions in management and business settings, survey design and analysis, a range of qualitative research methods, a range of quantitative methods of analysis, project planning and development, ethical problems and issues related to social research and management research in particular and how research in various management specialism have developed. Conclusion In business, environment research is a essential key our everyday decision making. It helps to find out the wrong information and save money and time. Research is significant success as acquiring day to day life challenges and decision making. Research plus action will assume a successful researcher. Research aim is to resolve the business or everyday life issues or problems, which occurred before or present with profitable or immediate concern. This helps to understand how research impact on our everyday and business decision making. Most people do not put much effort to collect or back up information or data. Only few do back them up. There is a risk or cost of making important decisions without gathering information for evidence for future reference.

Glasser Essay

This would be a clear departure from Freud’s lengthy approach where the counselor would interpret the client’s story or life experience. Rogers believed, using empathetic understanding and unconditional positive regard people would have the potential given the proper tools to resolve their own problems. Rogers identified accurate empathetic understanding as another critical task of therapists. Choice Theory / Reality Therapy; William Glasser, born May 11, 1925 is an American psychiatrist who developed Choice Theory / Reality Therapy in the early sixties therapies. Choice Theory is an explanation of human behaviour developed by Dr. William Glasser. Reality Therapy is the application of Choice Theory within the context of helping relationships Glasser first developed this approach to use working in schools for troubled adolescents and may explain his life-long interest in both therapy and education. In 1985 the Institute of Guidance Counsellors arranged for Dr. Glasser to visit Ireland. By 1987 the Irish branch of the William Glasser Institute was founded and now co-ordinates training throughout Ireland. Reality Therapy continues to grow all over the world today. Choice theory rests on an assumption that we are always free to choose. Comparative Analysis The reality therapist teaches the client ways to try to control the world around them and how to meet their personal needs. They believe that the client can and will change their life for the better. The reality therapist focuses on the clients actions and why they act the way they do. They point out what the client doing and in getting them to evaluate it. The belief is that the behavioral or emotional problem is a direct result of the client’s feelings about themselves. The therapist will help the client evaluate their behaviors and feelings, to challenge them to become more effective at meeting their needs. With Person-centered therapy the therapist will attempt to move the client towards self awareness, helping the client to experience previously denied feelings. They will teach the client to trust themselves and to use this trust to find their direction in life. Person Centered makes the client aware of their problems and then guides them to a means of resolve them. The therapist and client must have faith that the client can and will find direction. The therapist will try to motivate the client in fully experiencing and expressing their feelings. Person-centered therapy believes that good mental health is a balance between the ideal self.

The Fundamentals of Nursing Leadership Essay Samples Revealed

The Fundamentals of Nursing Leadership Essay Samples Revealed Where to Find Nursing Leadership Essay Samples So what are these qualities which make a fantastic leader. It's only logical to believe leadership is important in all facets of managing an organization because an organization without an effective leader wouldn't have the ability to survive the harsh business environment that's prevalent in a very interconnected world economy. Business Even in a terrible economy, a very good leader will put money into the small business. Defining he is not quite straightforward. On the opposite hand managers aren't leaders. Leadership essay a superior leader. In a feeling, fantastic leadership is accomplished through the usage of initiative and individuals attempting to locate unique methods for achieving an outcome. At times, the procedure for writing these documents can prove to be a challenge. Finally, the use of the nursing leader would always have something to do with the best target of meeting the expectations of the full department in meeting department and organizational targets and objectives. Implementing consistency among the students will gradually illustrate the concept that every student will get ideal repercussions for their inappropriate actions. There are lots of samples of similar CVs in the net, so one may try out searching for some handy information online. Providers have the ability to release private healthcare information for research purposes provided that the information comprises no identification like name, address, numbers , and relatives and so forth. It is imperative to allow young nurses the chance to form their own opinions and get feedback. Communication plays an important part within this scenario. It is significantly more than that. Leadership isn't a quality but it's a person's behaviour. It is an important aspect of almost any industry. What Everybody Dislikes About Nursing Leadership Essay Samples and Why In fact, there's a demand for authoritarian leading and managing in nursing in some specific settings. The notion of continuous innovation isn't just utilized in the specialty of technology. Consequently, it's easy to decide on a fantastic example for the rest in the profession. All mechanical systems have to be in working order with no foreseeable issues. Regardless, an effective clinical management and nursing leader should have the ability to understand how to deal with the available funds and financial resources, among others that may be employed to fuel an undertaking or a ny organization-related campaign, in order to reach the organizational objectives and objectives. Most individuals would often believe leadership is simply critical in industries that are associated with business or making profit. A leader, no matter the form of organization or the processes and operations that it's involved in, is often described as someone who can easily inspire other people to do orders and work together in order to attain the aims of the organization or organization. It is crucial to understand that the term good is relative. Nursing Leadership Essay Samples - Overview At this time, many hospitals throughout the nation are being made to make budget cuts due to the financial recession the nation is suffering from, and Mark's hospital isn't an exception. In some instances, communities can resist certain medication that's offered to them. In order to supply premium quality healthcare, nurses in the usa should offer the necessary organizational and system le adership. Therefore, they should have the values and standards that are essential for providing the required leadership in nursing facilities. Ok, I Think I Understand Nursing Leadership Essay Samples, Now Tell Me About Nursing Leadership Essay Samples! There's a difference between theory and fashions of leadership. They have to be of high moral price and ethics if we want to have a better world. Leadership is a typical and rather straightforward word but rather very tricky word to define because of its complexity and multifaceted composition. In addition, I think that leadership should always be linked to success and an individual having the ability to influence other people to effect change and achieve an overall outcome. At first, authoritarian nursing leadership seems a little harsh. To prove to be a professional nurse and receive a position, one needs to learn to compose a nursing CV. Though there are lots of theories of nursing leadership but we'll place our focus on only a number of them. There are various trends of leadership in the medical field. Nursing management is far different than leadership. Nursing leadership ought to be customer-oriented. Nurses are accustomed to working on medical teams with many different different professionals. In addition, the procedure for introducing innovation is often coupled with the practice of introducing changes. Knowing the various styles of leadership is crucial in keeping up with the constant development of healthcare. Innovation is something which wouldn't be made possible without introducing changes. Introducing innovation isn't a one-night thing.

False Killer Whale Facts

False killer whales are part of class Mammalia and can be found in temperate and tropical waters. They spend most of their time in deeper waters but sometimes travel to coastal areas. Their genus name Pseudorca comes from the Greek word Pseudes, which means false. False killer whales are the third largest dolphin species. False killer whales are so named due to the similarity of their skull shape to killer whales. Fast Facts Scientific Name: Pseudorca crassidensCommon Names: False killer whalesOrder: CetaceaBasic Animal Group: MammalSize: 19 to 20 feet for males and 14 to 16 feet for femalesWeight: Around 5,000 pounds for males and 2,500 pounds for femalesLife Span: 55 years on averageDiet: Tuna, squid, and other fishHabitat: Warm temperate or tropical watersPopulation: Estimated 60,000Conservation Status: Near threatenedFun Fact: In rare cases, false killer whales have mated with bottlenose dolphins and created a hybrid known as a wolphin Description False killer whales have dark gray or black skin with a lighter gray throat. Their dorsal fin is tall and tapered to stabilize them as they swim, and their flukes propel them in the water. These dolphins have 8 to 11 teeth on either side of their jaw, and their upper jaw extends slightly beyond the lower jaw, which gives them a beaked look. They have bulbous foreheads, a long slim body, and long S-shaped flippers. Habitat and Distribution These dolphins are found across the world in temperate and tropical waters, preferring deeper waters at depths averaging 1,640 feet. Not much is known about any migration patterns because the populations are so spread out and they tend to stay in deeper water. The current knowledge of false killer whales comes from one population that lives off the shallower coasts of Hawaii. Diet and Behavior The diet of a false killer whale consists of fish like tuna and squid. They have attacked larger marine animals like smaller dolphins, but scientists are unsure if the purpose is to remove competition or for food. These dolphins can eat as much as 5% of their body weight every day. They hunt in dispersed subgroups during both day and night, swimming at depths of 980 to 1640 feet at high speeds for minutes at a time. They have been known to throw fish high into the air before eating them and to share prey. Pod of false killer whales, Revillagigedo Islands, Socorro, Baja California, Mexico. Romona Robbins Photography / Getty Images These dolphins are highly social creatures, swimming together in groups of 10 to 40 individuals. Some dolphins join superpods, which are congregations of up to 100 dolphins. Occasionally, they have been spotted swimming with bottlenose dolphins as well. During social events, they will leap out of the water and perform flips. They love to swim in the wake of ships and will even jump out of the water over the wake. They communicate via high pitched clicks and whistles, using echolocation to find other members of the group. Reproduction and Offspring While they breed year-round, false killer whales’ breeding tends to peak in late winter/early spring in December to January and again in March. Females reach sexual maturity between 8 and 11 years, while males reach sexual maturity between 8 and 10 years. Females’ gestation period is 15 to 16 months, and lactation lasts for up to two years. It is thought that females wait about seven years before having another calf. Between 44 and 55 years old, the females will enter menopause and become less successful reproductively. At birth, calves are just 6.5 feet in length and are capable of swimming alongside their mothers shortly after birth. Females typically only have one calf per breeding season. The mother nurses the baby for up to two years. Once the calf is weaned, it is likely to remain in the same pod it was born into. Threats There are four major threats that cause false killer whale populations to decline. The first is getting caught in fishing gear because they may get tangled as they take bait from fishing nets. A second is competition with fisheries, as their primary food—tuna—is also harvested by humans. The third is a risk of stranding due to environmental pollutants that disrupt their signals to each other. Finally, in Indonesia and Japan, they are hunted. Conservation Status False killer whales are designated as Near Threatened by the International Union for Conservation of Nature (IUCN). In Hawaii, they have issued changes in gear that allow animals to be released if accidentally caught. They have also removed seasonal contracts for fisheries to reduce overlap between fishing season and the false killer whale population. Sources Baird, R. W. False Killer Whale. IUCN Red List Of Threatened Species, 2018, https://www.iucnredlist.org/species/18596/145357488#conservation-actions.False Killer Whale. NOAA Fisheries, https://www.fisheries.noaa.gov/species/false-killer-whale.False Killer Whale. Whale Dolphin Conservation USA, https://us.whales.org/whales-dolphins/species-guide/false-killer-whale/.False Killer Whale. Whale Facts, https://www.whalefacts.org/false-killer-whale-facts/.Hatton, Kevin. Pseudorca Crassidens. Animal Diversity Web, 2008, https://animaldiversity.org/accounts/Pseudorca_crassidens/.

Conquest And The Conquest Of Land - 1059 Words

Conquest is one simple little word with tremendously rich background and history. Conquest in short is defined to gain a victory over. Conquest has lead to the beginnings of new lands and has created the end of an old. Many different interactions between groups of people and their lands have occurred throughout history that ultimately lead into the conquest of land. First and foremost before interactions occurred there was reasoning behind conquests. The root of conquest can be narrowed down into three categories. These categories are God, glory, and gold. Religions that are big on conversion looked upon conquest as an opportunity to gain more believers, therefore pleasing their god more. Glory was as simple as glory for the homeland to claim increased land. Lastly, just like today humans wanted riches. Striking gold meant just that, becoming rich. Along with each conquest brought upon many different interactions and consequences from those interactions. These interactions are what s et up the foundation of nations’ relationships. Starting with the background of conquest before the two types of interactions. The Spanish main religion in the fifteenth to sixteenth centuries was Catholic. As members of the Catholic faith, the Spanish felt as though it was there right to explore new lands as long as that meant converting the natives from their previous religious views to the beliefs of Catholicism. â€Å"As Hernà ¡n Cortà ©s tore through the Aztec Empire, he was following a letter ofShow MoreRelatedThe World Of War : Conquest Of Land ( Political View ) Or Religion2143 Words   |  9 Pagespresence of dark clouds over your head, with the company of great terror that follows has always brought great suffering. War is the main event that will change history for the best or worst. There are only two reasons to start or to go to war: conquest of land (political view) or religion. Terrorism has been around since the Roman Empire and the Greeks, however the ter m terrorism was adopted during the French Revolution in the 1700 s. Since the early days of the Roman and Greeks, there have beenRead MoreImpact Of Trade And Conquest On The Civilizations1244 Words   |  5 Pagescivilizations. Although trade and conquest were the two more prominent impacts, conflict (conquest) had the most important impact on the developments of these early civilizations. Trade and conquest both had their impacts, but looking closer one impact was more significant than the other. Trade was a way for people to obtain goods they didn’t have or couldn’t make by giving away an item they had a surplus amount of. Trade, in my opinion, didn’t have much of an impact as conquest. Trade was only small developmentRead MoreConquest And The Start Of Colonialism1336 Words   |  6 PagesConquest In the era preceding the age of conquest and the start of colonialism around the late 1400s was a dark time in Europe both socially and economically. Under the feudalist system, there was strict social classes which made upward mobility nearly impossible, even for those born into lower-level nobility. Morale was also waning as pestilence and war persisted. The bubonic plague in the mid-1300s ravaged Europe and by some estimates, cut the population by half. France and England fought in theRead MoreThe Religious Motivations Of The Crusades1671 Words   |  7 Pagespious zeal. Whilst revisions to this history have considered more mundane and ordinary motives, such as a want for land or an attempt to reinforce the Peace of God movement, there is something to be said of the religious motivations of the crusaders. The words ‘conquest’ and ‘conversion’ seem ideologically charged – with conquest being what is done by temporal rulers to physical land and peo ple, and conversion being what is done to the spiritual self, by someone who does not have anything materialRead MoreEssay on Aztec and Inca Religious Zeal1726 Words   |  7 Pagesleaders of the empires could not control. These empires were built through ideologically driven conquests, which became the cornerstones of their societies and something beyond the control of the rulers.   Ã‚  Ã‚  Ã‚  Ã‚  Every imperialistic nation has a motive for expansion. Military, materialism, and missionary are three of the biggest motives foe expansion that imperialistic countries use to expand their borders. Conquests that are based strictly on militaristic or materialistic goals make up long-lasting empiresRead MoreConquest And Its Impact On The World1377 Words   |  6 Pages From the beginning of time, every great empire has emerged out of conquest. Conquest has definitively shaped our current world. Yet, conquest would not be conquest without the aspect of â€Å"othering.† â€Å"Othering† is simply treating the a different group of people as not human or completely different, therefore not identifying[a] with them. In order for an empire to conquer another territory, they must first dehumanize or â€Å"other† the group they are conquering. Empires did this as an attempt toRead MoreThe Conflict Of The United States1380 Words   |  6 Pagesc ultures and ideologies. Conquest narratives often fail to contextualize the true plight of Indigenous peoples in protecting their land. These Indigenous used various political, economic, and military efforts to fight off conquerors. Therefore, the establishment of the New World is just as much a story of conflict and deceit as it is one of development and exploration. These conflicts are documented in the stories of Cabeza De Vaca and Andrew Jackson’s ventures in the New World. A Land So Strange and JacksonlandRead MoreEssay about Mans Quest for Utopia861 Words   |  4 Pagesalways arisen: everyone holds their own image of utopia. And when these images clash, problems arise that make utopia harder to grasp. By examining history as the documentation of mans quest for utopia, we see man striving for utopia in three ways: conquest, reform, and isolation. Hitler, Napoleon, Caesar, and Ghengis Khan all saw their own personal utopia as a world in which they were in control of a vast empire. For Hitler it was an arian society where the world was cleansed of the impuritiesRead MoreThe Spanish Conquest1711 Words   |  7 PagesAlthough some may consider the fall of the Nahua and Inca empires an encounter of the Spanish, the meeting of the two cultures was a conquest because the Spanish brutally defeated and took over the indigenous cultures with the help of many advantages. 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Loans Advances of Dhaka Bank Free Essays

string(58) " to achieve a distinction like the luminaries in the sky\." Home  » Business  » Economics  » Report on Procudure for Distributing Loans and Advance at Dhaka Bank Report on Procudure for Distributing Loans and Advance at Dhaka Bank on March 20, 2013 in Economics [pic][pic]1. a. Introduction Internship program is a pre-requisite for acquiring M. We will write a custom essay sample on Loans Advances of Dhaka Bank or any similar topic only for you Order Now B. A. degree. Before completion of the degree, a student must, undergo the Internship program. As the classroom discussion alone cannot make a student perfect in handling the real business situation, therefore, it is an opportunity for the students to know about the real life situation through this program. The program consists of three phases: 1. The orientation of the Intern with the organization, its function and performance. 2. The project work pertaining to a particular problem or problems matching with the Intern’s area of specialization and organizational requirement. 3. The report writing to summarize the Intern’s analysis, findings and achievements in the proceeding of the followings. 1. b. Objectives of the Report: The report has two objectives: 1. General Objective 2. Specific Objective 1) General objectives of the report: The general objective of the report is to complete the internship. As per requirement of MBA program of Chittagong University, a student need to work in a business organization for two months to acquire practical knowledge about real business operations of a company. 2) Specific objective of the report: The specific objective of this report is to find and analyze the Credit facilities (its outstanding, recovery, classified loans etc), approval and monitoring process of Dhaka Bank Limited, Local office. It will also include gathering an idea about the securities behind the loan facilities and issuing different bank guarantees. The detail objectives of my study are as follows- †¢   To access the credit structure of banks in practice. †¢   To measure the effectiveness of the selected banks in utilization of their available deposit and resources. †¢   To identify the relationship with their customers. †¢   To identify the loan recovery performances of the selected banks. †¢   To find out the deposit utilization problems. †¢   To find out the implementation of credit risk management policy of the selected banks. †¢   To find out the implementation of the credit risk grading manual of Bangladesh bank by the selected banks. To find out the unsound credit according to the credit risk management policy. 1. c. Methodology Methodology of the study: This report is mainly prepared by the secondary sources of information some few primary sources of information like – O Direct observation. O Information discussion with professionals. O Questioning the concerned pe rsons. The secondary sources of my information – O Annual reports of DBL. O Credit rating report of DBL by credit rating information services limited. O Desk report of the related department. O Credit manual information. O Different reference books of the library. O Some of my course elements as related to this report. 1. d . Scope of the study: This report will cover an organizational overview of Dhaka bank. It will give a wide view of the different stages of credit appraisal system of Dhaka bank, starting from the loan application to Loan disbursement and the comparison between standard and existing credit appraisal system of a Bank. The study is organized as follows: †¢   Credit profile of the selected banks. †¢   Loan recovery. †¢   The nature of default. †¢   Credit management and guidelines. †¢   Analysis of the findings and recommendation. 1. e. Limitations There are some limitations I had to face while preparing this report. It is very difficult to collect some of the important data and information. There is some information very secret and the Bank didn’t want to provide this information. But this information may help to build a good report. Another limitation is availability of the data. The bank doesn’t have sufficient documents of the interest amount they collect from different loans. For this there is no specific profit calculation of the credit department. So, These kinds of limitations I faced while preparing the report. . a. Dhaka Bank Limited DHAKA BANK LIMITED was incorporated as a public limited Company on 6th April 1995 under the company act. 1994 and started it’s commercial operation on June 05, 1995 as a private sector bank. The bank started its journey with an authorized capital of Tk. 1,000. 00 million and paid up capital of Tk. 100. 00 million. The strength of a bank depends on its mana gement team. The Employer in Dhaka Bank is proud to have a team of highly motivated, well-educated and experienced executives who have been contributing substantially in the continued progress of the bank. The marketing activities at the Dhaka Bank are very implicit and vast comparing to that of other bank in the country today. The Philosophy of the bank is â€Å"EXCELENCE IN BANKING†. Dhaka Bank is always willing to offer new product features to the client. Besides the applications of these products or services are prepared in a very modern way so that the service can be provided in least time required. The Credit facilities approved by Dhaka Bank are increasing day by day because of its well-organized and trained management and also well-equipped facilities. In recent time banking sector becomes very competitive and without giving good and attractive facilities and service no bank can survive in this time. Dhaka Bank is also trying to provide good service to keep going with this competition. 2. b. Mission Statement: To be the premier financial institution in the country providing high quality products services backed by latest technology and a team of highly motivated personnel to deliver Excellence in Banking. 2. c. Vision Statement: At Dhaka Bank, we draw our inspiration from the distant stars. Our term is committed to assure a standard that6 makes every banking transaction a pleasurable experience. Our endeavor is to offer you razor sharp sparkle through accuracy, reliability, timely delivery, cutting edge technology, and tailored solution for business needs, global reach in trade and commerce and high yield on your investments. Our people, products and processes are aligned to meet the demand of our discerning customers. Our goal is to achieve a distinction like the luminaries in the sky. You read "Loans Advances of Dhaka Bank" in category "Papers" Our prime objective is to deliver a quality that demonstrates a true reflection of our vision- Excellence in Banking. . d. Slogan: Excellence in Banking. 2. e. Company Philosophy The motto or the philosophy of the Bank is â€Å"Excellence in Banking†. Whether in Personal, Corporate, Treasury or Trade transactions of Dhaka Bank Limited is committed to provide the best. Meeting the demand of the bank’s discerning c ustomers is not the sole objective. The Bank endeavor to deliver a quality that makes every transaction a pleasurable experience. Dhaka Bank feels that, if they can meet maximum clientele requirements in less time with efficiency, then they will be able to accomplish a successful business in the world of banking. Their main objective is – they want to provide every single customer service available in today’s banking procedure for their clientele. Thus they can guarantee the excellence in banking to their valuable customers. 2. f. Company Activities and Performances Paid up Capital The paid up capital of Dhaka Bank Limited amounted to Tk. 1,547 million as on December 31, 2008 which was Tk. 100 million when the Bank started its operation. The total equity (capital and reserves) of the Bank as on December 31, 2008 stood at Tk. 3125 million. Deposits A strong deposit base is critical for success of a bank. During the years the Bank has mobilized a substantial amount in deposits in transactional and savings account. The deposit base of the bank continued to register a steady growth and stood at Tk. 48,731 million excluding call as of 31 December 2008 compared to Tk. 41,554 million of the previous year registered a 17% growth. Investment Dhaka Bank has diversified its investment portfolio through Lease Financing, Hire Purchase, and Capital Market Operations besides the investment in treasury bills and Prize Bonds. The emphasis on high quality investment has ensured the bank to maximize its profit. Dhaka Bank Limited is a member of the Dhaka Stock Exchange and Chittagong Stock Exchange. A specialized unit of the Bank, the Investment Division manages the Bank’s portfolio and actively participates in the screen-based on-line trading of both the Stock Exchanges. Profit Dhaka Bank Limited registered an operating profit of Tk. 2,010 million in 2008 compared to Tk. 1,183 million in 2007 making a growth of 70%. After all provisions including general provisions on unclassified loans, profit before tax stood at Tk. 1,531 million. Provision for tax for the year 2008 amounted to Tk. 27 million. The net profit of the bank as on 31 December 2008 stood at Tk. 704 million compared to previous year’s Tk. 580 million making growth of 21%. Earning per share (EPS) was Tk. 46. 06 in 2007 compared to Tk. 45. 17 in 2007. Loans and Advances The Bank implemented the system of credit risk assessment and lending procedures by stricter separation of responsibilities between risk assessment, lending decisions and monitoring functions to improve the quality and soundness of loan portfolio. The Bank recorded a 17 % growth in advances with a local loans and advances portfolio of Tk. 9,972 million at the end of December 2008 compared to Tk. 34049 million at the end of December 2007. As of 31 December 2008, 96. 85 % of the total Bank’s loan portfolio was regular while only 3. 15 % of the total portfolio was non-performing as compared to 1. 64 % of 2007. Bank made required provision as on 31 December against performing loans as per rate and classification norm provided by Bangladesh Bank (se note-2c). The volume of non-performing loans stood at Tk. 1,258 million in 2008 from Tk. 554 million in 2007. Of the total loan provision of Tk. 04 million, Tk. 465 million was general provision, which was 51 % of total provision. The rest Tk. 439 million was against the classified accounts. 1. Non-performing loan 2. Regular Loan A wide range of business industries and sectors con stitutes the Bank’s advance portfolio. Major sectors where the Bank extended credit include steel and engineering, ship breaking, edible oil, sugar, housing and construction, pharmaceuticals, chemicals, electronic and automobiles, energy and power, service industries, trade finance, personal or consumer credit, leasing etc. The Bank continued to support Small and Medium Enterprises (SME) and expended credit facilities to them through its SME Cell. Sector wise allocation of advances reveals a well-diversified portfolio of the Bank with balance exposure in different sectors. High concentration sectors are textile and garment industries with outstanding of Tk. 7,524 million, housing and construction with Tk. 4,093 million, food and allied industries with Tk. 2,949 million and engineering and metal including ship braking with Tk. 1,903 million as at 31 December 2008. Customer Service Customer is in the core of everything a service-oriented company does. Accuracy, reliability, and timely delivery are the key elements of the Dhaka Bank’s service. Well-qualified and experienced officials always prepared to provide efficient, personalized and quality service man Dhaka Bank Limited. The banks prime objective is to provide high quality product and services to the customers. The bank also performs according to the needs of its corporate clients and provides a comprehensive range of financial services to national and multinational companies. International Trade Foreign Exchange International trade constituted the major business activity conducted by the bank. Dhaka Bank offer a full range of trade finance services, namely, Issue, Advising and Confirmation of documentary Credits; arranging forward Exchange cover; Pre-shipment and post- shipment finance; Negotiation and purchase of Export bill; Discounting of bills of Exchange, Collection of bills etc. In the year 2008, Dhaka Bank Limited was active in extending services to their valued clients related with import business. As of 31st December 2008 the import volume was Tk. 49,496 million compared to the volume of 2006 for Tk. 6,277 million marking as increase of 7% from the last year. Dhaka Bank Limited experienced sound growth of export business in 2007 from 2006. The volume of export business rose to Tk. 31,081 million from Tk. 23,269 million in 2007 showing an increase of 34%. Branches Dhaka Bank has opened already 41 branches in different Cities, Places and areas in Dhaka and also in Chittagong, Sylhet, Narayangonj, Norshingdi and Savar. This shows the banks commitment to provide services to their valued customers through an extensive branch network at all commercially important places across the country. They also have planned to open more branches in the sort coming year. These branches are well decorated and well secured with the new technologies. Human Resources and Training The driving force behind Dhaka Bank has always its employees. The bank recognizes that professional development of its people is vital to establishing workers as a provider of quality service. In this regard, the bank have expanded its training facilities and set up a full-fledged training institute at SaraTower, Motijheel, Dhaka. Environmental Management Program The Bank’s Environmental Management Program stipulates adherence with environmental, health and safety regulations and guidelines, refraining from business that impairs the ability of future generations to meet their own needs, assessing an mitigating risks concerning environment, health and safety issues that the bank undertake. Community Service The Bank extends assistance to socio-cultural and community development programs. During the years under review, the Bank had provided support to a number of community welfare programs. At present Dhaka Bank assist the National Hokey Federation. Technologies, Products and Services Dhaka Bank’s products and services are regularly upgraded and realigned to fulfil customer expectation. Their delivery standards are constantly monitored and improved to assure the highest satisfaction. The bank specially emphasizes on the service base on technologies. Because the life became very fast and people want take service within sort time. The consumer-banking sector of the Bank deals with number of tasks related to various services. The products that are recently being offered by the bank are as follows –   Accounts: Dhaka Bank provides the Savings Account; Current Account; Short Term Deposit; Fixed Deposit Receipt etc. or the customers. ATM (Automated Teller Machine): Dhaka Bank ATM Cards enable their valued customers to carry out a variety of banking transactions 24 hours a day. Credit Cards: Dhaka Bank Credit Card has earned wide acceptability and reputation within a very short time. The Bank has developed the process such that it can deliver the Credit C ard within only 7 days against security; for unsecured cards it takes only 10 days. Phone banking: Dhaka Bank phone banking service allows customers to conduct a variety of transactions by simply making a phone from anywhere. Customers can inquire about the balance in their account, check transaction details or request for account statement by fax or e-mail. Locker: By this facility customers can put their valuable things such as jewelry items, valuable papers etc. for the safety reason. Consumer Credit: Dhaka Bank also provides consumer credit facilities with very attractive terms and conditions. Industrial Loan: Loans issued for purchasing equipment, inventories, plants, payrolls etc. Any Branch Banking: By this customers can transact from any branch insight the country. Utility Bill Payment: Customers can pay different utility bill such as phone bill, credit card bill etc. 3. a. Bank: Banks are among the most important financial institutions in the economy. They are the principle source of credit (loanable fund) for millions of households (individuals and families) and for most local units of government. Moreover, for small businesses ranging from grocery stores to automobile dealers, banks are often the major source of credit to stock the shelves with merchandise or to fill a dealer’s showroom with new goods. When the business and consumers need financial information and financial planning, it is the bankers to whom they turn most frequently for advice and council. 3. b. Types of Bank Loans: The banks make a wide variety of loans to a wide variety of customers for many different purposes-from purchasing automobiles and buying new furniture, taking dream vacations and pursuing college education to constructing homes and office buildings. Bank loans may be divided into the following broad categories of loans, delineated by their purpose:   1. Real Estate Loans, which are secured by real property-land, buildings, and other structures- and include short-term loans for construction and land development and longer-term loans to finance the purchase of farmland, residential, and commercial structures etc. 2. Financial institution Loans, including credit to banks, insurance companies, finance companies, and other financial institutions. 3. Agricultural Loans, extended to farm and ranch operations to assist in planting and harvesting crops and to support the feeding and care of livestock. 4. Commercial and Industrial Loans, granted to business to cover such expenses as purchasing inventories, plant, and equipment, paying taxes, and meeting payrolls and other operating expenses. 5. Loans to Individuals, including credit to finance the purchase of automobiles, homes, appliances and other retail goods to repair and modernize homes, cover the cost of medical care and other personal expenses, either extended directly to individuals or indirectly through retail dealers. 6. Lease Financing Receivables, where the bank buys equipment or vehicles and leases them to its customers. Among the categories, the largest volume is in the real estate loans. The next largest category is commercial and industrial loans. 7. Asset-based Loans, loans secured by a business firm’s assets, particularly accounts receivable and inventory. Installment Loans, credits that is repayable in two or more consecutive payments, usually on a monthly or quarterly basis. 9. Letter of credits, a legal notice in which a bank or other institution guarantees the credit of one of its customers who is borrowing from another institution. 0. Retail Credit, smaller-denomination loans extended to individuals and families as well as to small business. 11. Term loans, credit extended for longer than one year and designed to fund longer-term business investments, such as the purchase of equipment or the construction of new physical facility. Term Loans are designed to fund long-and medium-term business investments, such as the purchase of equipment or the construction of physical facilities, cov ering a period longer than one year. Usually the borrowing firm applies for a lump-sum loan based on the budgeted cost of its proposed project and then pledges to repay the loan in a series of installment. 12. Working Capital loan, provide businesses with short-run credit, lasting from a few days to about one year. Working Capital Loans are most often used to fund the purchase of inventories in order to put goods on shelves or to purchase raw materials; thus, they come closest to the traditional self-liquidating loan described above. Frequently the Working Capital Loan is designed to cover seasonal peaks in the business customer’s production levels and credit needs. 3. c. Credit Analysis: The division of the bank responsible for analyzing and making recommendations on the fate of most loan applications is the credit department. This department must satisfactorily answer three major questions regarding each loan applicat 1. Is the Borrower Creditworthy and how know that? The question must be dealt with before any other is whether or not the customer can service the loan- that is, pay out the credit when due, with a comfortable margin for error. This usually involves a detailed study of six aspects of the loan application: – Character   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   🙠 well defined purpose for loan request and a serious intention to repay), Capacity   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   🙠 proper authority to request for the loan and legal standing to sign a loan agreement), Cash   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   🙠 ability to generate enough cash, in the form of cash flow), Collateral   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   🙠 enough quality assets to provide adequate support for the loan), Conditions   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   🙠 aware borrower’s line of work and also economic conditions), and Control   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   : All must be satisfactory for the loan to be a good ne from the lender’s point of view. 2. Can the loan agreement be properly struc tured and documented so that the bank and depositors are adequately protected and the customer has a high probability of being able to service the loan without excessive strain? The loan officer is responsible to both the customer and the Bank’s depositors and stockholders must seek to satisfy the demands off all. This requires, first, the drafting of a loan agreement that meets the borrower’s need for funds with a comfortable repayment schedule. The borrower must be able to comfortably handle any required loan payments, because the bank’s success depends fundamentally on the success of its customers. If a major borrower gets into trouble because it is unable to service a loan, the bank may find itself in serious trouble as well. So, the bank’s loan officer must be a financial counselor to customers as well as a conduit for their loan applicants. 3. Can the bank perfect its claim against the assets or earnings of the customer so that, in the event of default, bank funds can be recovered rapidly at low cost and with low risk? While large corporations and other borrowers with impeccable credit ratings often borrow unsecured, with no specific collateral pledged behind their loans except their reputation and ability to generate earnings, most borrowers at one time or another will be asked to pledge some their assets or to personally guarantee the repayment of their loans. Getting a pledge of certain borrower assets as collateral behind a loan really serves two purposes for a lender. If the borrower cannot pay, the pledge of collateral gives the lender the right to seize and sell those assets designated as loan collateral, using the proceeds of the sale to cover what the borrower did not pay back. Secondly, collateralization of a loan gives the lender a psychological advantage over the borrower. Because specific assets may be at the stake a borrower feels more obligated to work hard to repay his or her loan and avoid losing valuable assets. The most popular assets pledged as collateral for bank loans are- Accounts Receivable, Factoring, Inventory, Real Property, Personal Property, Personal Guarantee etc. . d. Loan Review: Banks today use a variety of different loan review procedures; nearly all banks follow a few general principles. These include: 1)  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Carrying out reviews of all types of loans on a periodic basis- for example, every 30, 60, or 90 days the largest loans outstanding may be routinely examined, along with a random sample of smaller loans. 2)  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Structuring the loan review process carefully to make sure the most important features of each loan are checked. )  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Reviewing most frequently the largest loans, because default in these credit agreements could seriously affect the bank’s own financial conditions. 4)  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Conducting more frequent reviews of troubled loans, with the frequency of review increasing as the problems surrounding any particular loan increase. 5)  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Accelerating the loan review schedule if the economy slows down or if the industries in which the bank has made a substantial portion of its loans develop significant problems. 3. e. Handling Problem Loans: Inevitably, despite the safeguards most banks build in their lending programs, some loans on a bank’s books will become problem loans. Usually this means the borrower has missed one or more promised payments or the collateral pledged behind a loan has declined significantly in value. The process of recovering the bank’s funds from a problem loan situation- suggests the following key steps: 1)  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Always keeps the goal of loan workouts firmly in mind: to maximize the bank’s chances for the full recovery of its funds. )  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The rapid detection and reporting of any problems with a loan are essential: delay often worsens a problem loan situation. 3)  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Keep the loan workout responsibility separate from the lending function to avoid possible conflicts of interest for the loan offers. 4)  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Estimate what resou rces are available to collect the troubled loan. 5)  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Loan workout personnel should conduct a tax and litigation search to see if the borrower has other unpaid obligations and many other processes. CREDIT MANAGEMENT: POLICY PROCEDURES Introduction: In general, a banking system aggregates a high number of low value deposits to fund enterprises with a smaller number of high value loans. This intermediation through a well functioning bank helps to achieve some economic benefits for the depositors, the borrowers and above all — the economy in the following ways: The depositors: †¢ Higher return †¢ Lower risk †¢ Greater liquidity The borrowers: †¢ Availability of fund for all credit worthy borrowers †¢ Thus allows to enterprises grow and expand The economy Economic growth is maximized as the banks channels the country’s scare financial resources into those financial opportunities with maximum return †¢ Thus profitable enterprises receive funding, grow and expand. †¢ Loss making enterprises are refused funding and allowed to go out of the business – thus saving the economy from drainage of resources. The bank must allocate loans effectively for achieving these broa d objectives of the economy and the pre-requisites are: †¢ Banks are able to identify reliably those enterprises that can repay their loans. Banks allows loans to those enterprises likely to yield high return and deny loan to those likely to yield low or negative returns. While identifying profitable enterprises, the bank – in fact – identifies risks of the borrower and business in order to allow loan in the context of its risk – return profile. Credit risk management (CRM) is a dynamic process, which enables banks to proactively manage loan portfolios. Four major areas of CRM are: †¢ Policy – lending guidelines †¢ Procedure – evaluating viability and associate risks of business enterprises. Organizational structure – segregation of risk taking and risk approving authority †¢ Responsibility – decision making and accountability A clear understanding of the four areas are crucial for maximizing bank’s earning by carefully evaluating credit risks and attempting to minimize those risks. 4. a. Policy objectives: 1) Maximize Bank’s earning from loan portfolio 2) Improve quality of loan portfolio to maximize earnings by: a) To keep non-performing assets below 10% b) Arresting new loans to become classified. ) Utmost emphasis on loan sanctioning is to be given in order to improve quality of the loan portfolio. Credit facilities are to be considered solely on viability of business / enterprises / project / undertaking having adequate cash flows to adjust the loans, and management capacity of the borrower to run the business profitably. 4) Evaluate credit risks before sanctioning, which may hamper generation of the projected cash flows of the borrower and might delay or hinder repayment of bank’s loan. ) Monitoring continuously performances of the financed projects / business / enterprises will be bank’s main trust for ensuring repayment of the loan, and receiving early warn ing (EL) for taking timely corrective measures. 6) Price the loans on the basis of loan pricing module of the bank focusing on risk rating of the borrower. 7) Strict adherence to Bangladesh Bank’s policy guidelines 4. b. Lending guidelines As the very purpose bank’s credit strategy is to determine the risk appetite of the bank, so bank’s focus should be to maintain a credit portfolio to keeping in mind of our risk absorbing capacity. Thus its strategy will be invigoration loan processing steps including identifying, measuring, containing risks as well as maintaining a balance portfolio through minimizing loan concentration, encouraging loan diversification, expanding product range, streamlining security, insurance etc. as buffer against unexpected cash flow. Types of credit facilities Bank will go for: †¢ Term financing for new project and BRME of existing projects (Large, Medium, SE) †¢ Working capital for industries, trading, services and others (Large, Medium, SE) †¢ Import and export Finance Lease Finance †¢ Consumer Finance †¢ Fee Business †¢ Islamic mode of finance Single borrower/ Group limits / Large Loans / Syndication The limit for single client / group under one obligor concept will be as under: 1. The total credit facilities by a bank to any single person or enterprise or organization of a group shall not any point of time exceed 35% of the bank’s total capital sub ject to the condition that the maximum outstanding against fund based financing facilities (fund facilities) shall not exceed 15% of the total capital. 2. Non-funded credit facilities, e. g. etter of credit, guarantee etc. can be extended to a single large borrower. But under no circumstances, the total amount of the funded and non-funded credit facilities shall exceed 35% of bank’s total capital 3. However, in case of export sector, single borrower limit shall be 50% of the bank’s total capital. But funded facilities in the form of export credit shall not 15% of the total capital   Large loan 1. Loan sanctioned to any individual or enterprise or any organization of a group amounting to 10% or more of bank’s total capital shall be considered as large loan. 2. The bank shall be able to sanction large loans as per the following limits set against their respective classified loans: |Rate of net classified loans |The highest rate fixed for large loans against bank’s total | | |loans advances | |Up to 5% |56% | |More than 5% but up to 10% |52% | |More than 10% but up to 15% |48% | |More than 15% but up to 20% |44% | |More than 20% |40% | 3. In order to determine the above maximum ceiling for large loans, all on-funded credit facilities e. g. letter of credit, guarantee etc. shall also be considered to arrive 50% credit equivalent. However the entire amount of non-funded credit facilities shall be included while determining the total credit facilities provided to an individual or an enterprise or an organization or a group. 4. A Public Limited Company, which has 50% or more public share holdings, shall not be considered as an enterprise / organization of any group. 5. In case of credit facilities provided against government guara ntees, the aforementioned restrictions shall not apply 6. In the case of loans backed by cash and excusable securities (e. g. FDR), the actual lending facilities shall be determined by deducting the amount of such securities from the outstanding balance of the loans. 7. Banks shall collect the information to the borrowers from Credit Information Bureau (CIB) of Bangladesh Bank before sanctioning, renewing or rescheduling loans to ensure that credit facilities are not provided to defaulters. 8. Banks shall perform Lending Risk Analysis (LRA) before sanctioning or renewing large loans. If the rating of an LRA turns to be â€Å"marginal†, a bank shall not sanction large loan, but it can consider renewal of an existing large loan taking into account other favorable conditions and factors. However, if the result of an LRA is unsatisfactory, neither sanction nor renewal of large loans shall be considered. 9. While sanctioning or renewing large loan, a bank shall assess borrower’s overall debt repayment capacity taking into consideration the borrower’s liabilities with other banks and financial institutions. 10. A bank shall examine its borrower’s Cash flow Statement, Audited Balance Sheet, income Statement and other financial statement to make sure that the borrower has the ability to repay the loan. Term Financing and Syndication Like large volume of loan, long term financing is one of the riskiest areas of the bank because of long duration of repayment. Long duration casts uncertainties on repayment as variable with which financial and other projections are made very widely in a dynamic global economic scenario. Thus utmost care is to be exercised while considering long term financing †¢ Long term relationship with the borrower is prerequisite for considering term financing †¢ Due diligence is to be exercised for accessing viability of the projects in terms of Management ability, Market gap, Technical suitability, Financial viability. †¢ Information on projects should be adequate and reliable †¢ Minimum information for project viability analysis is to be given. Syndication Syndication means joint financing by more than one bank to the same clients against a common security basically, to spread the risk. It also provides a scope for an independent evaluation of risk and focused monitoring by the agent / lead bank. In syndication financing banks also enter into an agreement that one of the lenders may act as Lead Bank, who has to co-ordinate the activities at various stages of handling the proposal i. e. appraisal, sanction, documentation sharing of the security, disbursement, inspection, follow – up, recovery etc. it may also call meetings of syndication members, whenever necessary to finalize any decision Discouraged business types In the context of present economic situation vis-a-vis government policy as well as market scenario, the following industries and lending activities are considered as discouraged †¢ Military Equipment / Weapon Finance †¢ Highly leveraged Transactions †¢ Finance of speculative business Logging, Mineral Extraction/ Mining or other activity that is ethically or environmentally sensitive †¢ Lending to companies listed on CIB black list or known defaulters †¢ Counter parties in countries subject to UN sanctions †¢ Share lending †¢ Taking an equity stake in borrowers †¢ Lending to holding companies †¢ Bridge loans relying on equity / debt issuance as a source of repayment Loan facility parameters Size: Funded: maximum 15% of Bank’s total capital : Funded + Non Funded: 1)  Ã‚  Ã‚  Ã‚  Ã‚   Shall not exceed 35% of bank’s total capital 2)  Ã‚  Ã‚  Ã‚  Ã‚   Maximum 50% of Bank’s total capital for export sector. (Funded facility shall also not exceed 15% of bank’s total capital). Tenor: Short term: Maximum 12 months Medium Term: Maximum 5 years   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Long Term: Maximum 15 years Margin: To be determined by Banker Customer relationship and nature of business. Security: Return of Banks funding to any business is ensured primarily on the cash flow of the business. A smooth flow of cash in the business requires efficient management competence in conducting the business in a given market. However as the market never remains stable owing to various uncontrollable factors, the continuity of well-managed business cash flow is difficult to visualize in the long run. As such to ensure realization of Banks finance in case of any eventuality, other adequate security coverage deemed necessary with a view to protects interest of the bank. General Covenants Bank shall not extend any credit facility to any defaulter as defined in the bank company act 1991(clean CIB report required. ) †¢ The borrower shall have valid Trade license, †¢ In case of partnership firm there must be a partnership deed duly notarized / registered. †¢ Limited Company must be registered with the Registrar of Joint Stock Company. †¢   Directors and other loans will be subordinated to Dhaka Banks loan. Directors loan (if any) will be interest free and no dividend will be declared/paid before full adjustment of Term Loan of Dhaka Bank. †¢ The borrower shall submit annual audited/un-audited/projected financial statements regularly where applicable. †¢ The borrower shall maintain current ratio of not less than 1. 5 times.. The borrower shall obtain and maintain in full force and effect all Government of Bangladesh (GOB) authorizations, licenses and permits required to implement and operate Borrowers business. †¢ The borrower shall maintain all insurance as detailed in Loan Documents. †¢ The borrower shall maintain satisfactory swing/turnover of the limit in case of continuous loans/advance. †¢ The borrower shall pay all fees , duties , taxes etc, that are due to the Government of Bangladesh (except where waivers or deferrals have been gr anted by Government of Bangladesh) when due. †¢ The borrower shall not create any charge, mortgage or any encumbrances of any other security interest over any of its assets without the prior written consent of the Bank. The borrower shall not avail any credit facility from other source without the prior written consent of the bank. †¢ The borrower shall not make any amendment/alteration in the Company’s Memorandum Articles of Association without obtaining prior approval of Dhaka Bank Ltd in writing. †¢ The borrower shall not furnish any corporate guarantee to other firm/company without Banks permission. Events of Default Bank will have the right to call back the Loan/Advance in the event of default under the following circumstances: †¢ Failure to repay †¢ Breach of Covenants of the loan agreement. †¢ Bankruptcy or liquidation or insolvency event affecting the Borrower. †¢ Occurrence of a material adverse change in the financial position of the Borrower. Any change in GOB directives, which in the opinion of the Lenders would prejudice the Borrowers ability to meet the financial obligations in respect of this facility, †¢ Any security interest over any asset of the Borrower becomes enforceable or any execution or distress is levied against or any person is entitled to or does take possession of the whole or any part of the assets or undertakings. Facility Wise Charge Documents %3 |L/C |LTR |BG |TL |CC Hypo/CC Pledge (Key Stock to | | | | | |Bank) | |1. Promissory Note|1. Promissory Note |1. Promissory Note |1. Promissory Note |1. Promissory Note | |2. Letter of |2. Letter of Undertaking |2. Letter of Undertaking |2. Letter of Undertaking |2. Letter of Undertaking | |Undertaking | | | | | |3. A/C Balance |3. A/C Balance confirmation |3. A/C Balance confirmation |3. A/C Balance confirmation |3. A/C Balance confirmation Slip | |confirmation Slip |Slip |Slip |Slip | | |4. Letter of |4. Letter of Continuity |4. Letter of Continuity |4. Letter of Continuity |4. Letter of Continuity | |Continuity | | | | | How to cite Loans Advances of Dhaka Bank, Papers