Credit appraisel literature review Essay Example for Free

Credit appraisel writing audit Essay This part is a clarification of writing identifying with the progression of credit from different composed and chaotic wellsprings of lodging and land account. The point of such a scrutiny is to have a winged creatures eye perspective on the simultaneous and comparing issues and issues identified with the current investigation. The initial segment manages the progression of credit from sorted out establishments to different parts like assembling industry, private corporate division and different other mechanical concerns. Studies on the institutional progression of credit in Kerala are additionally examined. The chaotic area comprising of indigenous money related offices is listed in the following part. Understanding the activity of and the potential for lodging money is significant, since in many creating nations lodging strategy is tied in with setting up new and progressively imaginative account approaches. 4. 1. 1 The financial framework in India includes the Reserve Bank of India, Commercial banks and agreeable banks and credit social orders. The business banks are the chief institutional structure of the 104 financial framework. The chief capacity of these foundations is to fulfill at the same time the portfolio inclinations of the borrowers on one side and the loan specialists on the other. They activate assets from the savers as stores and stretch out credit offices to borrowers as advances, advances and protections. Credits and advances gave by these organizations can be ordered into momentary assets and long haul reserves. The last are progressed for acquisition of plant and hardware while the previous are given to acquisition of crude materials, stores, save parts and so forth. Anyway following the customary British financial practice, business banks give all the more transient assets to the speculators in industry and exchange than long haul credits. The example of credit dispensing has experienced considerable changes since 1950. 4. 1. 2 Commercial banks stretched out credit to business and exchange to a bigger reach out than to assembling industry until 1958. Since the initiation of the second five Year Plan, which laid accentuation on fast industrialisation, the example of credit stream went in a different direction for medium and huge industry. Accordingly, the portion of industry, in broad daylight and private divisions in complete bank credit expanded from 34. 8% to 67. 5% during the period 1954 to 1968. Since nationalization of 14 significant business banks in July 1969, the Government of India alloted new needs to business manages an account concerning the progression of credit to up to this point dismissed parts, called 105 need areas. The accentuation consequently moved from industry to the need segments. Further the flexibly of credit was controlled through legal guidelines and financial guidelines. Then again the interest for bank credit has alsoâ undergone considerable increment. Factors, for example, enormous development in the quantity of modern units, broadening of existing units, increment in mechanical and farming creation, expanding requirements of short and long haul assets to keep up the expanded degrees of creation, pushed up the interest for bank credit. 4. 1. 4 ~ u ~ t and ~ m b e ~ e o k aobserved that the utilization of assets from a r* banks by the private corporate segment had surpassed its stock arrangement. Gupta, has contended that a little segment of such account ought to have gone to meet fixed venture. Further, he found the development pace of physical resources for be all the more straightforwardly and firmly identified with security issues than bank credit. Consequently, he contended that the quickly developing firms depended vigorously on security issues than the utilization of bank credit. Arnbegeokar found that the pace of ascend in bank credit surpassed that of stock, deals and yield. Further he watched 1 L . S . Gupta (1969). Changing Structure of Industrial Finance in India, The Impoct ojlnstitutional Finance, Clarendon Press: Oxford. 2 N. Ambegaokar (1969). Working Capital Requirement and Availability o f Bank Credit: Indian Processing and Manufacturing Industries, Reserve Bank of India Bulletin Vol XXIII. No:lO. 106 that its reliance on banks for working capital had expanded, joined by a decrease in dependence on other budgetary foundations. 4. 2 shetty3 surveyed the dimensional changes in credit arrangement during the initial five years of nationalization comparable to changes in yield and costs. The basis for his examination was the way that, in any acknowledged model of interest for cash, one regular variable is the gross national item or some otherâ variant of it in genuine terms. Therefore, he theorized that credit for any division or industry over a period must have some relationship with its presentation in genuine terms, especially yield. He watched a declining pattern in the credit stretched out by banks to enterprises since nationalization, however it was higher than different divisions. On finding that the portion of assembling area in bank credit is higher than its offer in Net Domestic Product (NDP) he infers that expansion in bank credit has happened far in abundance of increment in yield during the years 1968169 to 1973174. In his other paper, shetty4 saw that the portion of medium and huge industry in absolute bank credit had declined because of need S . L . Shetty (1976). Arrangement of Commercial Bank and other lnstitutio~lalCredit: A note on Structure changes. Financial and Political Weekly, Vol XI No: 11, M a y eighth . pp. 696-705. S L Shetty (1978). Execution of Con~mercial Banks since N a t ~ o n a l ~ s a t ~ofn Major Banks: Promises and Realty. Monetary and Political o Weekly, Vol. XI1 No. 31, 32 34, August, pp. 1407-1451. division loaning. Another perception in accordance with his previous finding was that development in bank credit had consistently been unbalanced to development of their physical yield, particularly in businesses like cotton materials. His perception especially for the years 1975-76 and 1976-77 uncovered: (an) Increase in normal bank credit had been higher than the development of NDP beginning in enlisted producing division even at current costs (b) A considerable increment in the pace of transient bank credit to inventories; and (c) Relatively higher dependence on exchange credit. In accordance with these perceptions, he proposed arrangements to investigate credit asserts enthusiastically and relate credit to the certified creation necessities so reserves are not tied up with these huge borrowers. 4. 2. 2 K. S. R. ~ an o did an econometric exercise on the determinants of interest for bank credit of some chosen ventures for the period between 1970-71 and 1984-85. He saw that yield of these ventures was the most significant factor in deciding its interest for bank credit while, loan fee of K S . R . Rao (1988). Interest for Commercial Bank Credit 1970-71 t o A Study Thiruvananthapuram 1984-85: of Selected Indian Industries. M. Phil Thesis, CDS 108 banks and relative pace of enthusiasm of different wellsprings of acquiring assumed just an auxiliary job. Cost of yield was likewise found to have influenced the interest for credit essentially. The relative loan cost variable was huge as for ventures like materials, building and all out assembling, while it was not huge for businesses like sugar and other food items and synthetic substances. Divatia and shankar6 in their paper talked about the job ofâ internal and outer wellsprings of assets and their segments in financing capital arrangement of the private corporate part. The examination depended on the RBI organization fund considers identifying with medium and enormous open and private constrained organizations and secured the period 1961-76. They likewise examined the patterns and examples of financing for four individual businesses, viz, cotton materials, jute, sugar and concrete. 4. 4 S. ~ d v e made them intrigue discoveries in his article Financial Practices in Indian Corporate Sector, in view of the RBI organization fund information. He underlined the rising reliance on obtained capital corresponding to the complete capital utilized in the 6 V. V. Divat~a a1 (1979). Capital Formation and its Financing in the et Private Corporate Sector 1961-62 t o 1975-76. The Journal of Income ; Wealth, April 118-152. 7 S. Adve (1980). Money related Practices in Indian Corporate Sector, Inter-Group and Inter-Size Differences, Economic and Political Weekly, Feb. 23. 109 Indian corporate segment. Exchange credit was brought up to be significant wellsprings of capital when the bank credit was crushed. Making an industry-wise examination, the creator came toâ the resolution that the businesses with huge net revenues and those with enormous devaluation and improvement discount saves had a moderately lower request of in general obligation and a considerable lot of them likewise had a lower request of bank borrowings according to in general obligation. Businesses with high overall revenue, for example, silk and rayon materials, aluminum, fundamental modern synthetic substances and medication and pharmaceutical arrangements had lower extent of obtained assets when contrasted with the normal of the medium and enormous open Ltd. organizations. The broad investigation saw that the growthâ from of institutional money developed in lndia because of basic change for mechanical financing framework with wide difference in socio-political circumstances in lndia. He endeavored to quantify in general effect of money related establishments on capital development in the sorted out private area as additionally the allocative proficiency of monetary framework. He saw that during the principal pla? monetary help rendered by unique foundations spoke to just 4. 1 percent of gross fixed interest in private industry, which rose to 7. 9 percent in the subsequent arrangement and further to 18.1% in the third arrangement time frame. He additionally 8 L . S . Gupta ( 1 9 6 9 ) . Changing Structure of Industrial Finance in Indra, The Impacr ~flnstrtutronalFinance, Clarendon Press: Oxford. 110 found that business banks remained the most significant single organization for financ

The Behavioral Segmentation Examples Marketing Essay

The Behavioral Segmentation Examples Marketing Essay As indicated by Philip Kotler Market division is sub-separating a market into particular and homogeneous subgroups of clients, where any gathering can possibly be chosen as an objective market to be met with unmistakable advertising blend. As such, Market Segmentation is a strategy for isolating a market into littler groupings of buyers or associations where each portion has a typical trademark, for example, needs or conduct. Finding the most noteworthy approach to fragment a market is more a workmanship than a science Any helpful division plan will be based around the necessities of clients and ought to be successful in uncovering new business openings. Subside Doyle All business sectors are heterogeneous. This is clear from perception and from the multiplication of famous books portraying the heterogeneity of neighborhood and worldwide markets. Consider, for instance, The Nine Nations of North America (Garreau, 1982), Latitudes and Attitudes: An Atlas of American Tastes, Trends, Politics and Passions (Weiss, 1994) and Mastering Global Markets: Strategies for Todays Trade Globalist (Czinkotaet al., 2003). While thinking about the idea of business sectors, shopper conduct and serious exercises, clearly no item or administration offers to all buyers and even the individuals who buy a similar item may do as such for various reasons. Powerful showcasing and business procedure subsequently requires a division of the market into homogeneous fragments, a comprehension of the necessities and needs of these portions, the structure of items and administrations that address those issues and improvement of promoting techniques, to viably arrive at the objective sections. Therefore concentrating on fragments is at the center of associations endeavors to become client driven; it is additionally the way to powerful asset portion and sending. The degree of section total is an undeniably significant issue. In todays worldwide economy, the capacity to tweak items and administrations frequently requires the most smaller scale of portions: the fragment of one. Following and actualizing a market division procedure permits the firm to build its productivity, as proposed by the great value separation model, which gives the hypothetical method of reasoning to division. The most widely recognized B2B division methods utilized by programming organizations are: Dividing BY HORIZONTAL DISTINCTION An even market is a market so enhanced that its items or potentially benefits are expansive enough to address the issues of different businesses. The crowd for level markets shares qualities across ventures. In view of the extent of flat markets, the advertising endeavors that help them must arrive at this range of purchasers and imminent purchasers. Since level markets are expansive, advertisers regularly portion them into subsets. These gatherings are ordinarily founded on segment factors, for example, the possibilities pay, area or employment title. Level Segmentation Example To utilize telcos for instance they will much further section their purchasers and possibilities to address explicit necessities. To expand deals of home Internet administrations, they can focus on a particular subgroup, for example, senior residents, low pay clients or guardians with young youngsters. Dividing BY SIZE Since the requests of business-to-business clients are so spellbound, a typical strategy is to portion markets dependent on organization size. Organizations do this in light of the fact that the reasoning and procedures behind a bigger organization is ordinarily drastically not quite the same as the methodology of a littler business. Bigger organizations ordinarily utilize an increasingly formal acquisition process looking for the most minimal offer conceivable. Independent companies will in general learn towards an increasingly close to home and comprehensive sort of business course of action. Some of the time, utilizing essential data like the size of the organization, its yearly incomes, or the business own customer base program will reveal to you how you could possibly cooperate. For some situation you can be considerably progressively explicit and check the quantity of introduces of your product the organization might purchase. Size Segmentation Examples  Targeting organizations who see $500 million/year in income. Just focusing on the biggest organizations in your district dependent on number of representatives. I spent quite a while in the contact place programming space. We sold by number of operator seats. In the event that an organization had in excess of 500 operator seats they were endeavor and on the off chance that they had under 500 seats, they were mid-showcase. Fragmenting BY VERTICAL On the off chance that an item satisfies a typical need that is generally observed over an industry then vertical portioning is utilized. Inadequate for most buyer markets, vertical portioning is a compelling technique when working with a specialty item intended for a specialty industry. Single businesses like that and different enterprises regularly recognized by Standard Industrial Classification (SIC) framework are frequently distinguished as vertical fragments. Deciding the end capacity of business client tells how and at what level in the flexibly chain a companys item will be utilized. What's more, this information drives how the organization positions and marketsits item. Its a straightforward inquiry how and by whom will my item be utilized? A holder distribution center may just objective organizations in the retail business, a realistic programming firm may just objective structure divisions or configuration houses, while a gracefully chain the board engineer may consider ca rgo organizations as a part of his possibilities. Vertical Segmentation Examples  A route programming merchant that lone spotlight on the voyage or trucking businesses. A measure producer that solitary administrations the car business Selling solely to wholesalers in a vertical industry (consolidated fragmenting) Recognizing a division work inside a bigger partnership Sectioning BY GEOGRAPHY While geographic sectioning is frequently used to use attributes shared by a populace living in a similar district, private ventures, those with limit restrictions, and buyer driven organizations regularly utilize geographic rules to target possibilities. As a Silicon Valley-based organization, you will be unable to support prospects west of an assigned time zone. Or on the other hand much increasingly explicit, you may fragment your possibilities to a select number of encompassing postal districts. Plainly, where are your clients concentrated? When you comprehend this information, youll no longer need to concentrate on some other geographic data. These equivalent standards can (and should) be applied to other geographic components including populace development rates, monetary factors, and confined communicated in language. Geological Segmentation Examples  Introducing an exceptional item for a similar one of a kind geographic portion. A limited time crusade focusing on one district to expand deals. Fragmenting BY BEHAVIOR Simply, this fragmenting targets prospect bunches dependent on their purchasing conduct. How are your clients utilizing your item, how frequently would they say they are utilizing it, and what is the test your possibilities face? Those inquiries, combined with the affinity of your possibility to really pull the purchase trigger, are the foundation of social fragmenting. Other conduct portioning rules may incorporate brand reliability, request sizes, and any buy technique necessities. Social Segmentation Examples A product organization that discharges an item intended for early innovation adopters. A movement office focusing on voyagers who incline toward traveling during the Christmas occasion. Somewhere in the range of 80 and 90% of programming new companies bomb inside the initial three years, contingent upon how disappointment is characterized. While they for the most part come up short on cash, the foundation of the issue is frequently poor advertising, explicitly poor sectioning and focusing on. A great many people consider showcasing advancement through occasions, publicizing, internet based life, direct email, or viral strategies. In any case, those exercises, effectively and altogether known as showcasing correspondences, are the absolute last advertising exercises that ought to be finished. Promoting is better portrayed as carrying the correct item to the correct market at the correct cost at the ideal spot. In the event that this capacity is executed ineffectively, nothing else matters and nothing else should be possible to fix the issue. No measure of advancement or imaginative deals procedure will spare an organization that rehearses poor dividing and focusing o n. A typical mix-up, made by open source and exclusive programming organizations the same, is to make something and afterward search for a market that will get it. The organization that plans an item and afterward enters the market searching for a client will battle. The organization that initially gets some information about their most squeezing issues and afterward structures a convincing item to tackle one of these issues is unquestionably bound to succeed, considerably more so if the issue is a need to the client. Tragically, programming organizations will in general have an innovation inclination instead of a market predisposition. For what reason do such huge numbers of programming organizations fail to understand the situation? Also, more significantly, what would they be able to do to take care of business, or if nothing else as right as could be expected under the circumstances? There are various reasons why poor advertising is predominant, including innovation haughtiness, absence of market data, hesitation, and numbness of fragmenting and focusing on. The last is especially normal, and in open source and other programming networks, it for the most part appears as making distinctively valued item include sets, permitting, and bolster bundles for various objective fragments. That sort of sectioning just begins to be effective after an organization turns out to be entrenched and has enough clients that gathering their contrasting needs turns into a need. Another open source organization attempting to go to showcase just because ought to rather concentrate on building up an away from of who they are offering to, what their clients issues are and why the clients would utilize this item over some other. Valuing models ought to unmistakably serve the necessities and inclinations of that solitary objective. In a perfect world, an organization ought to distinguish their objective market and the worth they bring to it before their item even enter

#UNGA 2019 Roundup COLUMBIA UNIVERSITY - SIPA Admissions Blog

#UNGA 2019 Roundup COLUMBIA UNIVERSITY - SIPA Admissions Blog The U.N. General Assembly 2019 was on the 23 27 September 2019. It was a busy week as world leaders gathered in New York City for the 74th session of the #UNGA.   This U.N. General Assembly comes during heightened tensions between the United States and Iran, and a worsening humanitarian situation in Venezuela. The war in Yemen as well the U.S. peace plan for the Middle East are likely to make headlines as well.  UNGA also occurred days after millions of young activists and their supporters marched in thousands of cities worldwide to demand greater action on climate change.   Nevertheless, the UN General Assembly hosts a much watched debate of leaders each year, and here at SIPA, it is a busy week for students, faculty and alumni alike.From interning to attending sessions at the UN and on campus, here’s a snapshot of what our Seeples have been up to this week:   Supporting the Chilean Delegation for the UNGA Martina Majlis, MPA ‘20, worked for the Chilean Delegation, specifically with Chiles Minister of Foreign Affairs, Teodoro Ribera, for the duration of the UNGA. She helped push forward the Ministers comprehensive agenda, focused on addressing bilateral matters, deepened trade relationships and confronted regional issues, such as the crisis in Venezuela.   Source: Martina Majlis, MPA ‘20 Understanding the impact of public-private partnerships Nayana Nagapurapu, MPA ‘20 and Victoria Zhang, MPA ‘20, attended Advertising for Good, an event organized by the  Lions Share Initiative of the UNDP (where they previously interned!) that discussed how to effectively use advertising to improve biodiversity around the world. Speakers were from leading advertising firms like JCDecaux, Finch, and Mars Inc. They shared how as little as 0.5% of their ad spend helped save ecosystems in Sumatra and Africa. Nayana’s biggest takeaway? The Lion’s Share Initiative proved how impactful public-private partnerships can be. Source: Nayana Nagapurapu, MPA ’20 Columbia University World Leaders Forum hosted a speaker on multilateralism and the rule of law Amid backlash, Columbia University hosted Tun Dr. Mahathir Mohamad, Prime Minister of Malaysia. President Lee Bollinger wrote that “public engagement can sometimes be difficult, even painful. But to abandon this activity would be to limit severely our capacity to understand and confront the world as it is, which is a central and utterly serious mission for any academic institution.” At the event, Tun Dr. Mahathir affirmed that affirmative action policy in Malaysia has helped many Malays succeed and prevented racial tensions, and he addressed regional cooperation. The event was widely attended by Seeples, including Perry Landesberg, MIA ‘20, Melissa Tan, MIA’ 19 and Nabila Hassan, MPA ‘20. Source: Facebook/Dr Mahathir Mohamad Learning about global governance from the NATO Secretary General Perry Landesberg, MIA ‘20, attended NATO Secretary General Jens Stoltenbergs  address to the Columbia community which focused on the maintenance of security in a changing world. Stoltenberg remarked on the disappointing state of NATO-Russian relations but concluded that NATO’s mission of security cooperation among democratic nations was as essential as ever. He answered audience questions on subjects such as Ukraine’s accession to NATO, the future of Afghanistan after NATO’s withdrawal, and NATO’s preparedness for cyber attacks. The event was part of the Blinken Lecture.   Source: sipa.columbia.edu Supporting the Digital Financing Task Force at UNGA As part of the Digital Financing Task Force Secretariat, Ralph Chow, MPA ‘20, aided in the organization of a high-level Summit titled “Good Servant, Poor Master: Capturing the Promise and Managing the Risk of Financial Technology for a Sustainable World” during UNGA. The Summit was co-hosted by the Permanent Missions to the United Nations of the Republic of India and the Kingdom of Netherlands, and was co-sponsored by the MetLife Foundation. The Summit was well attended by representatives from Member States, the Private Sector, as well as United Nations agencies and other multilaterals.   Source: United Nations Secretary-General’s Digital Financing Task Force of the SDGs A conversation on climate change, COP25 and artificial intelligence Columbia SIPA’s Latin American Student Association LASA hosted Minister Andres Cuove, Minister of Science, Technology, Knowledge and Innovation for Chile. Minister Cuove is the first Secretary of this recently launched ministry. Pablo Jorquera, MPA ‘20, Treasurer of LASA, reflected that Minister Cuove shared the challenges he faced to create the institution as well as his experience in the 2019 Climate Action Summit and his plans for COP25 in Santiago. He also explained how Chile is creating a policy in science and deciding priorities to use the STI for development.   Source: Pablo Jorquera, MPA ‘20 Dreaming big at the African Women on Board [AWB]@UNGA event George-Ann Ryan, MIA ‘20, and her fellow board members at the Sadie Collective were invited to attend the AWB@UNGA event where they rubbed shoulders with the Vice President of the Republic of Liberia, Hon. Chief Dr. Jewel Howard-Taylor and other distinguished group of leaders, innovators and dignitaries from around the world. George-Ann met Oby Ezekwesili, Founder of Bring Back Our Girls, a movement advocating for the speedy and effective search and rescue of all abducted girls by Boko Haram.   The board of The Sadie Collective at AWB@UNGA Source: George-Ann Ryan, MIA ‘20 Georgian President Cites Dual-Nationality as Strength in Columbia Speech President of Georgia (and Columbia alumnus) Salome Zourabichvili delivered a World Leaders Forum speech and explained her nation’s value to Europe as a cultural leader and a valuable testing ground for engagement with Russia. Perry Landesberg, MIA ‘20 reflects that President Salome Zourabichvili responded to students questions and she defended her government’s assistance to regional refugees and positions on breakaway regions. She also cited her personal history â€" having grown up in France and becoming a Georgian citizen in 2004 â€" as a strength in her previous career as a diplomat and foreign minister. Source: Perry Landesberg, MIA ‘20 Learning about development and refugee resettlement from the President of Rwanda On September 26, Shelina Noorali, MPA ‘20, had the opportunity to hear Paul Kagame, President of Rwanda, speak about development, refugee resettlement, technological integration and environmental conversation in the country. Students had the opportunity to engage in a QA session with the President. The panel was moderated by the Dean of Columbia SIPA, Merit Janow. Source: Shelina Noorali, MPA’20 Exploring digital transformation as a sustainable development pathway Nabila Hassan, MPA ‘20 along with other Seeples attended UNDP’s ‘Digital Future of Development’ event which explored how digital technologies enable breakthrough solutions to achieve Sustainable Development Goals, how trailblazers across sectors are shaping the future of development, and how the UNDP is hoping to put technology at the forefront of its efforts.   Source: Nabila Hassan, MPA ‘20 Interested to learn more about International Organizations UN Studies at SIPA? Find out more about how that specialization provides students with a roadmap of the international organizations that inform public policy and global action across borders here. You can watch this video to learn more about Seeples Day at the UN.

American Racial Stereotyping Hampered Chinese Immigrants...

American Racial Stereotyping Hampered Chinese Immigrants from Being Part of the Mainstream Society With the passing of the Chinese Exclusion Act of 1882, the first federal law was enacted restricting immigrants of a specific nationality from entering the United States due to Americans attributing dire economic uncertainty to Chinese laborers who take away jobs from native-born Americans. Anti-Chinese sentiments greatly proliferated throughout the United States during the late 19th century and early 20th century. Sui Sin Far, the author of the short story â€Å"Her Chinese Husband,† delineates how the prejudice of society against interracial marriage between a white woman and a Chinese man challenges both Minnie Carson and Liu Kanghi as a couple in the late 19th century. On the other hand, Frank Norris, the author of the short story â€Å"The Third Circle,† depicts an engaged white couple, Hillegas and Miss Ten Eyck, exploring Chinatown in San Francisco with a 19th century setting and the disappearance of his fiancà ©e into white slavery; throughout the story, Hilleg as, who has strong thoughts on binary oppositions and ideologies between the West and the East, practices Orientalism by looking at the Chinese culture as barbarism. From looking at these two stories together, one can conclude that American racial stereotyping hampered Chinese immigrants from being part of the mainstream society. It is often said that America is a â€Å"melting pot,† but in reality it is just a racialShow MoreRelatedDependent Clause and Answer15277 Words   |  62 Pagesconcept 89. List at least two types of biased language and explain how to avoid each type. ANSWER: (1) Gender bias: Avoid sexist language by using the same label for everyone—police officer instead of policeman. (2) Racial and ethnic bias: Avoid language that suggests that members of a racial or ethnic group have stereotypical characteristics. (3) Age bias: Mention the age of a person only when it is relevant. (4) Disability bias: Avoid mentioning a disability unless it is pertinent. Put the person firstRead MorePropaganda by Edward L Bernays34079 Words   |  137 Pagespleases. Our Constitution does not envisage political parties as part of the mechanism of government, and its framers seem not to have pictured to themselves the existence in our national politics of anything like the modern political machine. But the American voters soon found that without organization and direction their individual votes, cast, perhaps, for dozens or hundreds of candidates, would produce nothing but confusion. Invisible government, in the shape of rudimentary political parties, ar oseRead MoreManagement Course: Mba−10 General Management215330 Words   |  862 Pagesservice purchase, he or she tells six other potential buyers. In contrast, a dissatisfied consumer informs 25 other potential buyers. That is the leverage of quality in shaping consumer sentiment, which is vital in powering the two-thirds of the American economy that is consumer-driven. Therefore, as companies again go back to the business basics, this is a reminder of the most fundamental of those basics: Company managers need to recognize that a business’s income comes from its customers, not fromRead MoreLibrary Management204752 Words   |  820 PagesFactors Influencing Ethical Behavior . . . Figure 15.2. Multiple Loyalties of Information Professionals . . . . . . . . . . . . . . . . . . . . . Figure 15.3. Normative Frameworks . . . . . . . . . . . . . . Figure 15.4. The Code of Ethics of the American Library Association . . . . . . . . . . . . . . . . . . Figure 16.1. A Model of the Communication Process . Figure 16.2. A Classification of Types of Media According to Their Communication Richness . . . . . . Figure 16.3. Five Styles of Handling

Domestic Violence No One Deserves to be Abused Essay

What is domestic violence? Domestic violence is the use, or threatened use of physical force, violence, a deadly weapon, sexual assault, or the intentional destruction of property. It is behaviour that has the intent or impact of placing a victim in fear of physical injury, and a pattern of behaviour resulting in emotional and psychological abuse, economic control, and/or interference with personal liberty that is directed towards the following: a current or former spouse, or a person with whom the abuser shares a child in common, or a current or former intimate partner. Domestic violence is behaviour – emotional, psychological, physical, or sexual abuse – that one person in an intimate relationship uses in order to control the†¦show more content†¦He began to shout abusive threats and criticism at me in front of my four-year-old son, and also began to throw anything he could get his hands on at me. After it all happened he would return back to normal, take me to the hospital, and make up some reason as to why I got so hurt, this time saying that I got drunk and fell over. This wasn’t the first time that he had done this to me, and he told me that he would try not to do it again, providing that I stuck to the rules. I knew in his heart that he really did love me, which is why I decided to stay, like every other time he abuses me. Why don’t women leave from abusive relationships? All too often the question â€Å"Why do women stay in violent relationships?† is answered with a victim-blaming attitude. Women victims of abuse often hear that they must like or need such treatment, or they would leave. Others may be told that they are one of the many â€Å"women who love too much† or who have â€Å"low self esteem†. The truth is that no one enjoys being beaten, no matter what their emotional state or self image. 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Would you react the sameRead MoreVulnerable Populations: Victims of Violence1288 Words   |  6 PagesPopulations: Victims of Violence’ ‘Vulnerable Populations: Victims of Violence’ Norita Prather BSHS/302-BSAE0ZSH3 University of Phoenix Instructor: Tami Frye September 26, 2011 Each domestic abuse relationship is unique, and has a pattern that holds certain signs, clues, and characteristics that could have helped decide if one were in an unhealthy or abusive relationship. There are significant indicators that are common to all virtual cases of domestic abuse, mainly becauseRead MoreThe Effects Of Domestic Violence On Children1423 Words   |  6 Pagesindividuals who work at a center involved with domestic violence should hear my concern about how late elementary to late high school students lack the knowledge about domestic violence. Many individuals are not aware about who is being domestically violated in their communities. We should have a program that shows ways to cope, tell, and prevent domestic violence. This would educate students about what is considered as domestic violence. The students deserve to be herd; this program will give them the

Mumbai Dabbawalla Free Essays

Mumbai Dabbawalas –the lessons they taught me by Sunil Karve, Founder Trustee Vice Chairman – MET League of Colleges The famous Mumbai Dabbawalas were at the MET League of Colleges a few days ago. They made the same presentation they had delivered at Harvard Business School. At an interesting and interactive session they spoke about the organisational structure, working style, and delivery systems of their organisation – the Nutan Mumbai Tiffin Box Supplier’s Association – to a packed weekend gathering of METizens. We will write a custom essay sample on Mumbai Dabbawalla or any similar topic only for you Order Now A lot has already been said about the supply chain management systems used by the Mumbai Dabbawalas.They have received global applause and are featured as case studies in B School books. However, what I took home was not just management fundas but lessons that I will cherish all my life. Since these lessons impacted me greatly, I felt that I must share my learnings with you. Therefore I decided to write this letter. Apart from career-making tips, I learnt life-changing tips on honesty, commitment, stress management, humility, discipline, and HR and time management. During the various challenges in life, I am sure that the values followed by the dabbawalas will give you strength to rise above the toughest odds.The lessons I learnt are: Utmost dependence on Human Capital The most vital link in this chain of food delivery is human capital. The procedures could have been laid down over a century ago, but it is the implementation of the procedures that makes the system work. The Mumbai dabbawalas propagate that correct amount of human dependence can yield amazing results. Honesty and Integrity The threads of integrity and honesty hold the dabbas together. Though it is lunchtime for dabbawalas also, the aroma wafting from the dabbas has never tempted them.Overcoming a basic instinct like hunger is possible only because of strong roots in a culture that encourages truthfulness and integrity. Discipline and Time Management The dabbawalas operate on the Chanakya system of Sama-Dama-Danda-Bhed for the errant members. This ensures that the errant member stays within the system. Secondly, they are extremely particular about time and realise the value of every second in the value chain. So much so that when Prince Charles wanted to meet them, they gave him a precise time slot so that the thousands others would not have to skip their lunch. Pride towards their work The dabbawalas take their role as ‘Annadatas’ very seriously. For them, the delivery of tiffins is much beyond a job – it means q uelling the hunger that strikes the customer when lunch hour approaches. And so they move about their mission briskly with a smile, making sure they are never late. Recruitment policies and manpower management Over the years, the dabbawalas has become a growing community of busy delivery-men who carry out their work with honesty and commitment. This is because each person in the value chain is selected very carefully and with due recommendation only.The implication of the word ‘recommendation’ is different from the common parlance – the referrer assumes responsibility for the incumbent’s conduct throughout the working life. Complete Contentment There was an unseen halo of positive vibrations around the members who delivered the talk. The glow on their faces came from complete contentment with their lives. They seemed as if they possessed all the happiness and riches in life. ‘Be contented in what you have’ is the principle that governs their life. This is particularly surprising because the members earn not more than 5-6 thousand a month and lead a very hard life compared to most of us.Still there was not even an iota of stress on their faces – quite contrary to many others who earn much more than them. Musical Meditation The dabbawalas belong to a sect called Warkari that regularly chants songs of praise to the Lord. Their daily bhajans sessions seem to play an important role in relieving the day’s stress. They truly embody a living where one looks beyond materialistic earnings and serves with commitment for a cause. Sustained success will lead to fame The dabbawalas believe in doing their work properly and have been ensuring that the ‘zero error’ flag is held high.The one thing that emerged very strongly is that they continue to do their work without thinking about any gain. Maybe that’s why success and popularity is chasing them . I do not know about you, but I could not help thinking about these humble angels all night. Is it not strange that though the Mumbai Dabbawalas have been operating since 1890 and it is only recently that you and I have noticed them? If the Dabbawalas had not received due recognition from Prince Charles, Harvard and C K Pralhad, would there be packed audiences to listen to their talk? The answer is obvious. Why does one need a phoren certificate to appreciate local goodness?I urge you to look around and discover many noble souls like the Mumbai Dabbawalas. These souls may not have received the limelight yet, but continue to carry out their work quietly. If one develops a keen eye to notice positives, one can achieve success in every endeavour. So, begin fishing for goodness – starting today. If you apply your mind to this, I am sure you will be able to gain much more than what I could. Do share your experiences with me on skarve_trust@met. edu. Best of Luck and Happy Learning! Sunil Karve Founder Trustee and Vice Chairman MET League of Colleges How to cite Mumbai Dabbawalla, Papers

The Mechanicals are clumsy Essay Example

The Mechanicals are clumsy Paper What Do the Mechanicals add To the Audiences Understanding and Enjoyment of the Play? â€Å"A Midsummer’s Night Dream† Is a play written by William Shakespeare in 1600. It is a play full of love, magic and dreams. With fascinating characters which range from supernatural fairies to noble humans. But how do the mechanicals add understanding and enjoyment to the play? In the play there are two worlds. The first world is the court; the second is the mysterious world of fairies. The Mechanicals are used in the play to add to the audiences understanding of the play by exploring the central theme of love and its transforming power. Shakespeare shows through bottom that something ugly can turn beautiful through love. The mechanicals are also used to add to the audiences enjoyment of the play by adding humour to the play. Shakespeare uses a comic effect of names especially Bottom, as later he turns into an â€Å"ass† which is a donkey. The mechanicals also are always mixing up their words through oxymoron, malapropisms and nonsense words. The Mechanicals are the audience’s way into the play as they appeal to all people: educated, uneducated, rich and poor in the Elizabethan time. The theatre was very different in the 1600’s compared to now. We will write a custom essay sample on The Mechanicals are clumsy specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on The Mechanicals are clumsy specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on The Mechanicals are clumsy specifically for you FOR ONLY $16.38 $13.9/page Hire Writer During the Elizabethan time, theatres were usually outdoors and the stage was very bare. It had little scenery so the acting companies had to rely on the imaginations of their audiences. The setting had to be created through the words of the play. The words of the play had to establish what time of day it was. Also men had to play women parts as it was judged to be inappropriate for a woman to undertake such a role so men for that reason were hired to act in the female roles. Consequently, in â€Å"A Midsummer’s Night Dream† Thisbe who is a woman would have to be played as a man, which would bring humour to the audience. In the time of William Shakespeare there was a strong belief in the existence of the supernatural. The Elizabethan Period and the academic era of the Renaissance introduced English persecution of Elizabethan Witches and Witchcraft. Ironically, this period of great learning brought with it a renewed belief in the supernatural including a belief in the powers of witchcraft, witches and witch hunts. In â€Å"A Midsummer’s Night Dream† the supernatural is a recurring part in the play. The Mechanicals add understanding to the play by bringing the two worlds of the play together. In â€Å"A Midsummer’s Night Dream† there are four main plots: The lovers, the fairies, the Mechanicals and the Duke and Duchess. The Mechanicals bring together the palace and the woods as they use both settings. They use the palace to perform their play and the woods to practise there. The mechanicals fit perfectly into the structure of the play. The higher class which are the nobles, the lower class, which are the mechanicals and the supernatural world, which are the fairies. The Mechanicals bring together the world of law, order and reason by being unsystematic. They do this by contrasting themselves to the nobles. In these quotations they show the nobles law, order and reason. My Gracious Lord[Theseus] Shows the characters’ respect for Theseus, also shows that Theseus has power and embodies Athens and the law. Theseus also shows that Athens is a land of law and order. Either to die the death or abjure forever the society of me. This line shows the rigidity of the Athenian law. Because Hermia’s father does not approve of her love, she must listen to him to not marry him, or to face the consequences. On the other hand the Mechanicals are not as educated as the aristocratic characters. In this quotation it shows a clear contrast between the nobles and the Mechanicals. What is Pyramus? A lover or a tyrant [Bottom] I. i. 17 This quotation shows the lack of education and shows typical characters for a male lead in the theatre. It shows the lack of education, as this play would have been read in schools, at that time if they were educated. The mechanicals also make the audience understand some of their characteristics I am to entreat you, request, you and desire you to con them by tomorrow night [Quince] L. i. 78-80 This quotation tells the audience that the Mechanicals are a little bit unreliable.