Listening Skill is a neglected Art Essay

In learning a particular language, we enhance the communicative language skills; the receptive skills and productive skills. Receptive skills include understanding through listening and reading. Productive skills are speaking and writing. When we learn English as a language and when we utilize this language as a tool for communication, we learn and make use of all these communication arts. But normally, people become strong in some skills and weak in others. Most of the time, Listening is considered to be a weakness. Listening is considered as a neglected art. Almost everyone can hear, but few can really listen. Many people fail to recognize the art of listening and the value of listening to acquire information. They tend to ignore the fine line that separates the distinction between the natures of passive listening and active listening. In our daily conversation with people, meetings or conferences, and formal classroom set up, listening is believed to be of paramount concern. People tend to neglect the art of listening because of the different language barriers apart from the dominant fact that people are fond of talking rather than listening. Few people can achieve understanding the essence of what has been said by a certain speaker because they have not mastered the skills necessary for listening. These language barriers include poor vocabulary to be able to comprehend what has been spoken about, lack of interest on the speaker or what we call non-egocentric pro-social behaviour which is essential on the part of both, the speaker and listener. Absence of focus or concentration which may be influenced by physical and even emotional barriers can hinder listening. Close-mindedness and over-stimulation which make a person too quick to judge because of the speaker’s accent, appearance, impression and poor delivery can also be contributing factors why listening is neglected. People tend to develop more negative listening habits rather than positive listening habits which definitely hinder listening to be able to comprehend the essentials of what has been listened to. According to K Crawford, An open ear is worth much more than an open mouth, so listen! 2. Oral communication skills are a significant factor in the acquisition of facts and in the process of learning. Oral communication skills refer to speaking and listening competencies. These are necessary to be able to participate verbally in discussions and interactions, to be able to exchange ideas and concrete information, to make clear and persuading presentations and of course to interact with a variety of audiences. These skills are utilized as we communicate with other people. These are essentials in the acquisition of facts. We learn from listening and at the same time we are able to figure out facts when we air out our thoughts and opinions through speaking. Oral communication is the ability to talk with others to give and exchange information and ideas. We acquire information when asking questions. We give information when giving directions and we exchange messages when coordinating our work tasks with others. Explaining and persuading are essentials in the process of learning especially to us as teachers. Our students learn more and easily persuaded when things are explained well. It is said that oral skills are at the very foundation of literacy. Speaking and Listening, such as in a classroom talk, help students to learn, to reflect on what they are learning, and to communicate their knowledge and understanding. Thus, oral skills are important in the process of learning. These communication skills are significant factors in acquiring information and learning. 3. What we do is far better than what we communicate basically means that we have to walk the talk not just talk the talk. An old adage says, â€Å"Actions speak louder than words†. That is so true. Benjamin Franklin advocates, â€Å"Well done is even better than well said†. According to Arnold Glasow, â€Å"An idea not coupled with action will never get any bigger than the brain cell it occupied.† These quotes elaborate the importance of the fulfilment of what has been communicated, planned, and agreed. What has been planned must be realized and executed. For instance, a lesson well planned will never be effective unless it is executed and proven. In the context of education and learning, this has something to do with the application of what has been learned and caught. As mentioned in the Domains of Bloom’s Taxonomy, Knowledge is more of a fundamental skill compared to Application. Therefore, application is far better than knowledge same thing with Cognitive domain and Psychomotor domain. Learning (cognitive) would not be as effective as expected without psychomotor skills (actions).Students may acquire information and learn facts but I believe applying these acquired information and learned facts on a real life situation is even more relevant. On the context of real life situation, actions are aid to be mirror of the mind. What a person thinks is expressed when she/he speaks. The ideas have been communicated. When we communicate with people, we can only let them know what our opinions and thoughts are, we only let them understand what we say. Persuasion has always been a question. When we communicate, we may be understood by other people but we seldom persuade their minds most especially if what we say is against or far even more opposite to what other people see from us. This explains what William Shakespeare said, â€Å"Action is Eloquence†. It is through actions where we give judgements, fulfilments and realizations to all that have been communicated. I’d like to end my response with these inspiring lines about how actions are vital in our lives. â€Å"The vision must be followed by the venture. It is not enough to stare up the steps, we must step up the stairs. â€Å"- Vance Havner,

Research Analysis of Barbara Ehrenreich’s Cultural Baggage Essay

Barbra Ehrenreich’s â€Å"Cultural Baggage† essay found in Greene and Lidinksy (2012), expresses the author’s views on traditional values that come from a family’s heritage. Ehrenreich is motivated to write about this subject because her way of being raised was challenged. She was raised to find new things to try, and not succumb to the mindset of just accepting something because it’s always been there. Her Father said, â€Å"’think for yourself’ and ‘always ask why’† (Ehrenreich, 2012, p. ). The purpose of the content is to show Barbra Ehrenreich’s disconnection from holding family traditions, and then argues that it’s not a necessity for every family to pass down traditions. Barbra insists that people from very traditional based religions will be disappointed and appalled that her family is always looking for new things to try (Ehrenreich, 2012). In the author’s opinion, there is nothing wrong for not following, or neglecting to start, family traditions. Ehrenreich’s biggest claim in her essay is that she steadfastly disagrees with recurring traditions and expresses her intent for individuality in her family. She made a statement at the end of the essay saying, â€Å"My chest swelled with pride, as my mother’s would have, to know that the race of †none† marches on† (Ehrenreich, 2012, p. 3). This shines light on the fact that they are a happy family with out traditions and have no intentions of ever adopting any. Also, Ehrenreich (2012) goes on to explain that her Grandmother would suggest that just because it’s old doesn’t mean it’s right, or necessary to continue. Barbra is satisfied and proud to announce â€Å"none† as her ethnic background and â€Å"none† for her traditions. Barbra has a tone in the paper that exemplifies an informal conversation among women; particularly mothers. Her intention was to target mothers because she is justifying the guilt she felt when she realized her children weren’t growing up with traditions. Her question then was: Am I doing the right thing by not having any traditions for them? So, Barbra nervously asked her children if they were fine with not having any family traditions, and they eplied, â€Å"yes† (Ehrenreich, 2012). This was a relief for Barbra as it would be for most mothers. My final contention in this matter would be to agree with Barbra Ehrenreich in saying that family traditions are not necessary, and it is important to branch out to new ventures. When Barbra asked her children about traditions they said, â€Å"and the world would be a better place if nobody else did either† (Ehrenreich, 2012, p. 3). The reason they say the world would be a better place is because people would be more interesting from branching out and learning new things. In addition, the reasons there is a lot of conflicts in society, and on a global scale, are from radical people feeling their traditions or belief have been imposed upon by someone else. Examples include: Islamic religion, Al Qaeda, the Civil rights movement, the Civil War, and Gang Violence. Barbra is correct with her position on traditions with calling it â€Å"baggage,† because it weighs down the minds ability to see things in a new light, and that is the most important thing to me.

Merit Pay Increase Essay Example | Topics and Well Written Essays - 1000 words

Merit Pay Increase - Essay Example Likewise, for many decades in American society, if an individual worked hard and did their best they received pay increases or bonuses, accordingly. The concept, though basic in its nature, is vital, due to its profound impact on future performance. Individuals, who receive praise for past actions are more inclined to repeat and possibly increase the action. Due to recent economic turmoil, however, many companies have stopped giving rewards or pay increases for superior performance. This leaves many employees feeling unappreciated, and as a result unmotivated to do better in the future. One particular case study, given, that exemplifies this predicament is the company of Diverse Prints. They are a marketing company that typically gives large bonuses to their employees based on their job performance appraisals. However, due to the faltering economy the lead people in charge, Ann and Sam, are debating as to whether they should give small bonuses to everyone, or continue with the perfor mance based bonuses, though they will be much smaller than usual. After taking a look at the profound impact job performance recognition has on the employee, the company, and eventually the economy, the question of whether or not merit pay increases should be given will become clear. Though some may argue a person should do their job to the best of their ability regardless of extrinsic recognition or praise, it is simply human nature to crave this type of recognition. Diverse Prints typically conducts job performance appraisals, which is the optimal time for managers to review the strengths and weakness of each employee. It also provides the opportunity for the employee to receive constructive criticism on how to improve areas of weakness, and praise for the areas of their job that are done well. As both Sam and Ann agree the performance appraisals must still be conducted for continued company growth and improvement. However, where they disagree is the fact that Sam feels they shoul d take the meager, two percent budget allotted to pay increases and spread it out evenly to all employees to compensate for cost of living increases. Ann, on the other hand, feels that it is, in a way, unfair to give all the employees equal raises, if their performances are not equal. Plus, she wants to keep the top producing workers happy so that when the economy is doing well they will choose to stay with the company. It seems that by giving a small raise to everyone, all will be evenly unsatisfied. It is important to give honor or praise to where it is due, and if a successful, hardworking employee sees that they are given the same bonus as the person that was lazy all year they will not be motivated to try harder in the future. Ann is right in her assessment that it would be best to explain to all the employees that the bonuses will not be as large as previous years, due to financial hard times, but that they will still be given according to job performance. This allows the indi vidual employee to still feel a sense of accomplishment and recognition from the company for a job well done, and will encourage them to do the same if not more in the future. It also may help motivate those who slacked the year before to do better in the future. A good analogy of this concept can be seen in High School. If everyone was given a diploma for simply showing up, and not based on whether they passed or failed their courses, no student would have the motivation to try harder. In the same way by rewarding those who are successful, they are encouraged to do the same or more, and those who slacked have something to work towards. The second aspect that merit based bonus aide in, is the company

Of the People - History of the United States Assignment

Of the People - History of the United States - Assignment Example Of the People: the history of the United States describes the events of the colonial era and shades understanding of various events that culminated in the colonial era into the independence of US. It notably covers the American Revolution History among other aspects of the colonial dispensation during the reign of the British Empire. American Revolution was a consequence of a misunderstanding between the Parliament and the British legislature. These two bodies defined the war-line due to their contrasting ideology concerning taxation of the people. It was the right of the public to elect their representatives in the parliament. However, the Parliament main role was to pass bills that favored the colonialists. Britain was still in control of the parliament implying that there was no real representation of people and especially no control over the taxation control. The few elites in the parliament like George Washington disputed the ideology leading to the long-term conflict between th e parliament and colonialists. The crumble of the French Empire prior to the revolution started from within. The French holding the North American for a long time were initially engaged in war by King George. Though he never won, the war created multiple cracks in the empire that resulted to its eventual crumble. The crumble came because of massive expenditure, especially during the war. The economic destabilization eventually led to the collapse of the empire that created an opportunity to the British.

Physical activity and health and physical fitness and exercise Assignment

Physical activity and health and physical fitness and exercise - Assignment Example Research also shows, through obesity experts, that the modern phase of obesity epidemic is much associated with the reduced human activity brought about by the industrial development (Garry, Neeltje, & Klaas, 2001). To qualify the relevance of this theory, a research that was done in an Old Order Amish Community in North America proved that these people have a very high level of activity lifestyle, which was used to explain why they have low prevalence of obesity. This group of people does not drive automobiles, use electrical appliances, and they do not also employ other modern conveniences (David, Patrick, & Getrude, 2004). Regular exercise is a very important component of effective health promotion regimens, the only problem being the correct amount of exercise required daily as well as the correct daily caloric expenditure. There is an imbalance in lifestyle due to the technologically oriented conditions which allow unprecedentedly sedentary lifestyle (Boyd & Stanley, 2003). Ther efore, physical activity is very critical for a healthy living and through physical fitness and exercise, we can do away with lots and lots of unnecessary

Economic problems of the USA Essay Example | Topics and Well Written Essays - 2000 words

Economic problems of the USA - Essay Example AS-AD model will be used to determine the aggregate demand and supply of the country. The report also highlights measures taken by the government to recover from the economic problems along with the reasons behind government’s decisions for such measures. The evaluation of effectiveness and shortcomings of government measures is done to explore the net benefit of the measures to economy. The report will attempt to suggest the solutions of US economic crises of manufacturing concerns, balance of imports and exports and economic sustainability of the country. SUMMARY The Article reports about economic problems faced by the U.S. since almost past decade. The United States is going through the economic adversity or disaster on a very high scale for the last decade. The article refers that despite suffering, majority of people of U.S. are giving less or no attention to the sources of the current economic decline (Heffner, 2012). The article states that U.S. nation has become a seco nd class country in many aspects Reasons cited in the article for the above statement includes facts that United States no longer produce what they require to sustain their selves; the extensively increased imports than exports resulting in selling off U.S. assets and taking on huge debts to maintain a living standard. The article also refers to an important aspect of the US condition in international context. IT refers that it is the game plan of the US global challengers is to make the US totally reliant on overseas manufacturing, modernization and financing. In losing domestic self-reliance, nationalized security and power – the foreign affairs of a country will suffer to a great extent. Referring to impact of the current situation, the author of the article states that US is getting weakened even to admit greedy foreign trade practices bringing in depression US industry. Instead the economic players are giving confidence to US manufacturers to plan, engineer, and manufact ure in third world markets to minimize the production cost like Mexico and China. The article in addition to the problems being highlighted has also referred to the solution such as carefully managing access to market, re-assessing trade practices etc. (Economy in Crisis, n.d.). DISCUSSION OF THE ECONOMIC PROBLEMS ISSUES: Causes of Problem: High labor wage rates in U.S.: U.S. is facing challenge of high labor wage rate for the last few years due to which the cost of production or manufacturing in the US increased. To survive competitively in this situation U.S. started to shift its production or manufacturing plants in low wage rate countries like China and Mexico where cost of production is significantly cheaper as compared to U.S.. This prevailing situation in the economy bringing down the US manufacturing sector continuously giving rise to import and pressuring the import bill. Service sector growth downsizes the manufacturing and production industry: In the last two decades a bi g portion of investment in the U.S. have been shifted towards the service industry sector because of high manufacturing cost and low margin profits. The service industry of US is contributing 79.7% in the economy, 1.2% is the contribution of agriculture industry and 19.1% by manufacturing industry (CIA, 2012). With this huge side transferred to service sector it has made the manufacturing side weaker in the US and hence large number low wage labor force in US has become unemployed. Higher imports from china and other countries because of low cost: the prevailing situation in the economy of US for the last two decades has increased the percentage of imports over exports in the economy. The final manufactured goods are the major imports of

FINAL LEGAL RESEARCH PAPER Essay Example | Topics and Well Written Essays - 3000 words

FINAL LEGAL RESEARCH PAPER - Essay Example Therefore, these researchers end up not publishing their information regarding varied flaws they normally find characterizing certain digital products. For instance, Dmitry Sklyarov’s arrest prompted Fred Cohen to withdraw information regarding â€Å"Forensix† software from his website claiming he was afraid of DMCA’s liability once he steps in US (Von Lohmann, 2010). Some scientists as well as researchers have expressed their fears especially when visiting US in the quest of attending varied conferences. This is because they deem US’ authorities will arrest them due to their past openness in revealing flaws that characterize certain Corporations’ products who have filed charges before without their knowledge (Von Lohmann, 2010). Hence, prompting these scientists and researchers to compel conference organizers to hold such events in other non-US states (Von Lohmann, 2010). Other researchers have decided not to reveal their findings all together in t he quest of ensuring they have maintained cordial relationship with the US. This is detrimental especially to the unsuspecting customers who may not understand exactly certain flaws that characterize most of the reputable products they have been using (Von Lohmann, 2010). a. ... nt researchers â€Å"play safe† by withholding their varied researches concerning flaws, which they have ascertained evident in some digital products, for instance, Mr. Song (who has authored varied security researches) (Von Lohmann, 2010). b. Introduction to the Problem DMCA liability has prompted numerous researchers to withdraw as well as withhold essential researches concerning flaws, which they have ascertained characterizing certain digital products. Since most of these researchers fear prosecutions and arrests once they visit US (Von Lohmann, 2010). Studies have also revealed how certain researchers especially Russian programmers to date decline attending US conferences and prefer them held in other states. This is due to the past information they have revealed concerning flaws evident in some of the most reputable products produced by US corporations for years (Von Lohmann, 2010). c. Purpose Statement This study seeks to ascertain exactly what prompts scientists and pr ogrammers decline unveiling essential information, which they have found characterizing some reputable digital products. d. Research Questions and Sub questions i. What is the impact of DMCA liability to both scientists and programmers since its inception to date? ii. What are the researchers’ views concerning DMCA liability? iii. So far, what damages has DMCA liability caused to both scientists and programmers? iv. Does the DMCA liability affect only the US’ scientists and programmers? v. What are some of the examples that indicate DMCA liability has interfered with both researchers and programmers’ legal rights? vi. Is it true researchers and other experts in this field withhold essential information fearing prosecution or barred from visiting US? e. Statement of Significance Scientists,

Hotel and Hospitality industry Assignment Example | Topics and Well Written Essays - 2000 words

Hotel and Hospitality industry - Assignment Example It is part of an International hotel group called Saint Emilton Hotel Group (SEHG). Since the hotel is having 40 hotels in its portfolio in Europe and Far East, therefore it can be safely assumed that the group is experienced enough in the business. It is being felt that hotel facilities are not being used to its fullest potential, therefore the General Manager, Robert Herr as asked Kati Mertens, the Front Office Manager to examine and prioritise the pricing strategy. Some of the key issues that Kati needs to look into, are; b. Tourist visitors too fall in two categories. One from an affluent class, for whom price is no consideration, and he is on the lookout for comfort and pleasure. On the other hand less affluent and middle income group customers always desire reasonable pricing for a decent comfort. This sort of data can be gathered from feedback forms (for return customers) and by judging them through correspondence or at the front office. Accordingly differential pricing strategy can be prepared depending upon their economic background. The visitor who's here on a tourism spree has the requirements for sight-seeing etc. Therefore, it is equally important the Hotel has a tie up with some tour operators for such sight-seeing tours etc. must be c. c. The business visitor on the hand requires a host of facilities like, meeting rooms, conference facilities, Fax, Wi-Fi,

Understanding the sign and symptons of teenage suicide Term Paper

Understanding the sign and symptons of teenage suicide - Term Paper Example Mr. and Mrs. Lisbon despite actions and strategies are not able to stop the deaths of their daughters. The book is about a catholic family that lives in Michigan that is set in 1970s. Father of the family, Ronald is a teacher that teaches math in a private school but the mother is a home maker. Ronald’s family constitute five daughters. Characters in the novel are Cecilia Lisbon, Lux Lisbon, Mary Lisbon and Bonnie Lisbon. Cecilia Lisbon is a sister to Mary Lisbon. She is the main character in the novel with her being shy and this is known by her elder sisters. She is found of invoking Virgin Mary and spend most of her time listening to Celtic music. She commits suicide and after her death it is discovered in her diary entries that she was trying to speak of her sister and her being a single entity. Cecilia attempts suicide several times with firs attempt being slitting her wrists during a bath. The second successful attempt of suicide that becomes successful is during her menstrual cycle when she jumps onto a spiked fence. Lux Lisbon gets in love with Trip Fontaine. Trip Fontaine asks the parents of Lux so that they could be able to attend a dance. The request leads to the girls being locked in the house for most part of winter with dare consequences. This leads to the death of lux in June during winter. Mary Lisbon is the second oldest in the family. She tries to keep her appearance after the death of her sisters through wearing of brighter sweaters. She attempts suicide on the night of June fifteenth but does not die. She spend most of her time sleeping after the attempt. She later dies in July after taking sleeping pills. The book, the Virgin suicide was written by Jeffrey Eugenides. Suicide topic is portrayed in the book with involvement of a Lisbon girls engaging in suicide with unknown reasons. Devices that are used in the book bringing about major topics in the

High school graduation speech Essay Example | Topics and Well Written Essays - 500 words

High school graduation speech - Essay Example Unfortunately, in this kind of war, every warrior is often rewarded differently based on individual effort. How would learning be if we all knew that the end result would be the same? If only we knew that we would all be given a certain grade during graduation. Sincerely, I would recall all those cold nights and dawns I spent on books and I know some of us are already allergic to the term â€Å"books† at least for sometime before embarking on college journey. If your heart is not thumping as hard as mine right now, then you must be of the most unique types in the history of education. As we spend our last chapter of high school together, we must acknowledge that we are all different. This morning as I was brushing my teeth, I looked at my hand and was trying to imagine why my fingers have varying lengths. Even though I could not establish a very good answer, I realized that we are like our fingers. Every one of us has a distinct capacity and talent. We are all achievers in our own ways. However, do not forget that education is a single train that does not care about other strengths, but what you can show academically. And today, your performance in examination will determine if you are to proceed to the next level or not. I hope I will be among those who get into the next train for I have grown too huge to continue ridding on this one. However, for those who will not make it, this is not the end of the road. All you need is to review your path and rectify where things went wrong. The next time you are in a math class and something does not seem to sink deep into that head, do not think twice: just ask. What harm will it do you if people think you are dumb? It is true people will laugh at you and even mock you, but in the long-run, the mockery shall have died and you will be holding on to what you learnt. Perhaps, this is why you failed, you never asked for fear of people making fun of you! Failure is not the end of life, but should be embraced as a

Health Information Essay Example for Free

Health Information Essay Not only is that important it also needs to be accurate and reliable medical information. All of the above information is not only very important it also impacts the HIPAA privacy rule. The Office for Civil Rights is responsible with its enforcement of the HIPPA Privacy Rule. Not only does it need to be enforced it needs to be constantly upheld at all times. This is necessary to protect both the patient and the medical professionals from unauthorized use of their health records and to allow medical providers access to secure, safe, accurate, and reliable medical information. The demand for information has risen from not only third party payers but in fact has risen from governmental entities. Patients now have to consent in order to accept health care treatment. As a result from the demand for patient information has brought forth a huge development between the law and medicine. There’s also the term informed consent. This is used in law to indicate that the consent a patient gives falls under certain minimum standards. Any informed consent can be said to have been given based upon a clear appreciation and understanding of the facts, implications, and future consequences of an action. Any patient who is concerned must have adequate reasoning faculties and must be in possession of all relevant facts at the time the consent was given. Both of these are needed in order to give an informed consent. To understand the responsibilities that confidentiality and informed consent place on health-care providers, The United States Congress created the Health Insurance Portability and Accountability Act (HIPAA) in 1996. This act provides protection of health care coverage for workers, and also protects the privacy and security of medical information. The HIPAA laws allow authorized medical professionals or healthcare organizations to have access to your private medical records. Anything a doctor, nurse or other health professional has written or discussed about your personal medical treatment is confidential. Medical data that is being held by your health insurance company is also kept confidential and also any billing information which is submitted by patients or a medical facility or your health insurance company. HIPAA restricts who can and can’t request access to patient medical information. It is very important that your medical provider have access to all of your health history. There are entities that can access your medical information without your written consent such as: employers, workers compensation are all exempt. School districts, state agencies, and law enforcement agencies or institutions are exempt from HIPAA laws and are not required to follow the privacy and security rules. It is very important that you fully understand your HIPAA rights before anyone consents to release any medical information to organizations that are not required to follow the privacy and security rules HIPPA has put in place to protect confidential information. ROI policies and processes need to be adaptive. The process should be changed to meet new regulatory requirements and technology. Changes to the HIPAA rules regarding the accounting of health information disclosures expected this year have the potential to dramatically expand HIM and ROI responsibilities and pose operable disputes. Health information exchanges are pushing the frequency and scope of how patient information gets transferred. All HIM professionals must continue to remain aware and on top of all changes to ensure HIPAA compliance and change processes accordingly. The HIPAA privacy rule has received both positive and negative effects on the release of patient information by healthcare facilities. The intention of HIPAA was to protect patient privacy and to promote security and confidentiality of all patient information; it has had some unintended consequences for facilities. Some of these unintended effects, discovered about some issues directly related to the release of patient information which has had an impact with the implementation of HIPAA. The biggest issues that were found were. Increases in the public’s misunderstanding about release of patient information, lack of an umbrella policy, regulation defining infractions, enforcement that allows individual institutions to make their own version, and challenges to health information management professionals in controlling safeguards related to release of information given the transition to electronic health records and the increased involvement of information technology. The findings from this research suggest there is a need for additional clarification of the regulations that are governing HIPAA, and its standardized instructions and extensive training of its healthcare workers. I have learned so much about how the release of information impacts the HIPPA Privacy Rule. I do believe the most impact comes from the public because most people don’t understand new health care practices such as: record keeping, obtaining verbal or written consent.

Social Work And Assessment To Framework Social Work Essay

Social Work And Assessment To Framework Social Work Essay Assessments have been a key element to the social work practice and we have seen many changes and developments within assessments over the years. The Childrens Act 1989 and other legislation such as Criminal Justice Act 1991 and NHS and Community Care Act 1990 all contributed towards the changes made within the assessment process. The objective has been refined based on two key factors. First being the public enquiries that indentified shortcomings in legislations, policy and practices within social work and secondly the governments agenda for modernisation. (Wilson, et al.2008). Historically the objective of assessments was primarily to consider the risks factors to children and families in accordance to legislation. However, since the framework for assessments was introduced in 2000, practitioners have been steered towards evaluating not only risks, but also needs and strengths of service users. Assessments are carried out to help both service users and Social Workers identify and understand the nature, rationale and degree of professional involvement. Although there are numerous definitions of assessments from social work academics, however, there is no one conclusive definition. Coulshed and Orme define assessments as; An on-going process, in which the client participates, the purpose of which is to understand how people relate to their environment; it is a basis for planning what needs to be done to maintain, improve or bring about change in the person, the environment, or both. (Coulshed and Orme, 1998, pp21). There is a debate amongst academics as to whether assessments are an art or a science; Bradley and Parker (2007) have explored the different assessment definitions and have concluded: A balance approach would suggest that social work assessment is both an art and a science since it involves wisdom, skills, appreciation of diversity and systematic applied knowledge in practice. (Parker and Bradley, 2007, p4) Although there are many definitions of assessments the objective remains the same, it is to identify needs and have a plan of interventions, which meets the objectives of all concerned. Assessments are a working document that can be legally binding, which need assessing, reviewing and planning. Assessments are a systematic process that include various components and involve methods such as, gathering of information, analysing objectively, collaborating with service users and other professionals including sharing of information with colleagues, assessing the eligibility and recording information accurately. (Thompson Thompson, 2008). There are many vital interpersonal and communication skills that are required when gathering information such as, good listening skills and have the ability to observe and absorb information correctly. Pamela Trevithick (2005) emphasise on the importance of verbal and none verbal communication, as well as listening and observation skills, before embarking on the assessment process. (Trevithick, 2005). Assessments are not just about gathering information, but are about having the ability and knowledge to make correct judgments and analyse objectively. Milner and O Byrne (2009) suggest that when analysing data, social workers will use knowledge and the theoretical perspectives which have been identified to expand their analysis. ( Milner and OByrne, 2009). In addition, upon analysing information consideration must be given to service users social, economical, cultural and ethnic background. Although assessment involve making informed judgement, it is vital to assess an individual need in relation to their environment. Milner and OByrne (2002) stress that it is crucial while making judgements social workers must avoid any form discrimination, such as labelling or judging peoples behaviour according to common stereotypes. Assessments are not a one way dialogue but rather a joint venture between service user and social worker. Although there can be the issue of power imbalance, it is crucial that there remains a shared power relationship whenever possible. Middleton (1997) has emphasised the importance of respecting individuality of service user during the assessment process, so that it can empower and help them manage and identify their individual strengths. In addition it is essential that social workers build a good relationship with service users, as they, must collaborate and share information with other agencies. There has been a heightened awareness that multi agencies collaboration is vital; however there are many barriers which have often contributed to the lack of communication between agencies. Sharkey (2000) has noted the underlying causes as being the different structure and values of the individual organisation. Social workers undertake assessments on behalf of the local authority therefore; eligibility depends upon a few factors, which include, need, the organisations criteria, resources and funding. Throughout the entire assessment process social workers must keep clear and accurate records of all the work undertaken and their findings. Social work assessments can be broken down into two types, one which is on-going and will change according to need and information, and the second being specific to the issues and will be limited to a particular time. However, these two components will often exist simultaneously in most assessments. Coulshed and Orme (2006) clarify that assessments are not a one off practice but are a process that continues even after a piece of work has been carried out. An on-going assessment process could be the result of subsequent changes that may occur in the service users life, and then responded to accordingly. By implementing this method of practice it ensures that the service users needs are adequately assessed and evaluated at all times. Pincus and Minahan (1973) have described assessment as a process that can be altered and adapted after obtaining new information and data, enabling the assessor to reassess the situation and review the effectiveness of their chosen cause of action. (Pinus and Minahan, 1973). Assessments that are carried out for a specific issues and are time limited, such as a court report or a case conference, are usually conducted in accordance to legal obligations. This formula is focussed on making judgements and identifying what is needed and how it can be achieved. This may not always be an accurate presentation of the service user life and may not hold any relevance in the future, but will target the issue within a particular the timescale. Furthermore, the level of assessment can be determined through the two types of assessments mentioned and by identifying the need and response levels of intervention, will give the service user a well structured and focussed base service. The importance of carrying out assessments is widely recognised in the area of social work practice and is a fundamental component in professional interventions. By carrying out assessments effectively and systematically, there are more chances of interventions to prove to be successful. At the heart of an excellent assessment there is careful planning, evaluating and applying appropriate professional involvement. Sutton (1999) has emphasised on the nature of assessment process with the ASPIRE model, Assessment, Planning, Intervention, Review and Evaluation. It is important that when discussing assessments, to be aware that this is not a singular action, but is also complemented by good interpersonal and communication skills. Due to the significance assessments have in social work practice, it is vital that the entire process is carried out with an objective and factual thought process. As inadequate preparation can lead to a catastrophic results as we have seen over the years.

Function And Production Of Insulin

Function And Production Of Insulin Insulin is a protein produced by islet cells in the pancreas. Insulin helps human body regulate glucose in the body. Insulin reduces the use of fats as energy (gluconeogenesis) by utilizing glucose to produce energy. Patient with diabetes require insulin to keep the blood glucose levels under control. (1) The first successful insulin was produced from ox pancreas (bovine insulin). Bovine insulin is similar to human insulin however bovine chemical composition is slightly different hence the body immune system produces antibody to reject bovine insulin. (4) Identical human insulin was produced by recombinant DNA technology, by inserting the insulin gene into a vector to produce human insulin. Production of human insulin by recombinant technology was accomplished and commercialized in 1982 by Genentech and Eli Lilly. (2) Function Carbohydrates consumed are broken down into glucose which then resides in the bloodstreams. This causes the body blood glucose (BBG) level to rise. The pancreas senses the rise in BBG level therefore, secretes insulin into the bloodstreams. The cell will absorb the released insulin and bind to it. Cells that are attached with insulin are able to absorb glucose from the bloodstream and turned it into energy. This energy is vital for new cell growth and repairing damage cells. The main function of insulin is to move glucose from the bloodstream into the body cells and convert glucose into energy. (3) Chosen Host Escherichia coli (E. coli) E. coli was used as a host to produce recombinant insulin since 1982. E. coli was widely used as host for the production of recombinant insulin because it was well studied, many vectors available and good characteristic. (5) E. coli advantages and suitability for producing insulin. (6) Fast growth rate e.g. able to reach optimal yield within hours of induction. Economical to grow and undemanding growth conditions. Good protein production rate. Can be frozen for storage and thawed immediately for usage. Cellular structure E. coli is a rod-shaped bacterium measuring 1.8 microns in length and 0.8 microns in width. E. coli consist of: (7) Inner and outer cell membrane Cell wall Periplasm Flagella Pili Cytoplasm Chromosome The two main structures are cytoplasm and periplasm, where the production of recombinant insulin usually takes place. (5) Structure Details and functions Cytoplasm (7) The cytoplasm contains most of the major component such as chromosomal DNA, RNA, nucleoid and ribosome. Cytoplasm provides support for the internal structure and provides a medium of suspension. Metabolic reaction and protein synthesis takes place in the cytoplasm. Periplasm (7) The periplasm is about 10nm thick. Located between the inner and outer membrane. Periplasm contains 80,000 proteins essential for nutrient binding, enzyme detoxifying and degradative and electron transport. Growth strategy for the production process Insulin is produce through genetic engineering. Firstly the gene producing human insulin is isolated and copied. A circular shape DNA (plasmid) is removed from the bacterium cell, and then using special proteins to cut open the plasmid ring. The insulin gene is inserted into the open plasmid ring and closed again using special proteins hence the human insulin gene is now combined with the bacterium DNA plasmid. The recombinant plasmid is then inserted into the bacteria cytoplasm using a very small needle syringe. (8) High level protein production often leads to formation of inclusion bodies which accumulated through protein folding. (5) The chain approach method was used to produce human insulin in recombinant E. coli. Two different expression vectors were constructed carrying either insulin A- or B-chain gene fused to a shortened and inactive É £-interferon gene allowing a stable cytoplasmic production of recombinant insulin in E. coli in the form of inclusion bodies. (2) Recovery of biologically active insulin from inclusion bodies has some advantages for example inclusion bodies accumulates protein in the cytoplasm to a much higher level, inclusion body could initially be isolated in a purified and concentrated state with just centrifugation process and final insulin concentration in E. coli can be increased significantly by high cell density culture (HCDC). (5) The HCDC technique was used to grow recombinant E. coli in a two stage cyclic fed batch bioreactor. After the expression system is developed, HCDC is carried out using synthetic medium with glucose as the sole carbon source to increase the recombinant protein concentration. (5) The induction of recombinant protein production was carried out by a temperature à ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬shift from 30 to 42oC. Expressions of the A- and B-chain genes are controlled using a strong promoter (bacteriopage lambda) therefore, protein are produce efficiently by temperature shift. (2) The first step of purification to obtain human insulin was to centrifuge the solution to isolate the inclusion body. The inclusion bodies were then recovered from the centrifuge continued by dissolving the inclusion bodies using formic acid. Then use cyanogens bromide to cleave the peptide bond by hydrolysing the peptide bond for separation of insulin from the fusion protein partner. Finally the conversion to human insulin is performed by proteolytic removal of the connecting C-peptide and disulfide link. (2) The maximum productivity is achieved when the growth and production phase are separated hence a two stage cyclic fed batch bioreactor is used. The first stage is use to grow the cell to an optimum cell density followed by the second stage where the growth is suppressed by chemical and production of protein is maximize. (5) The cyclic fed batch is used to ensure that toxins and biomass do not accumulate, extend the productive phase, control the growth rate and optimize the product synthesis. (9) The by-product produced from the process was monomeric and multimeric forms of A- and B-chain connected by incorrect disulfide bridges. These by-products are collected too undergo sulfitolysis for recycling purposes. (2) How to analyse the growth process Off-line analysis methods were used to analyse the growth process. Samples were taken from the process every 30minute to be used to determine the optical density600, dry cell weight, dissolved oxygen tension and concentration of glucose. Result from the test are compiled and plotted in graphs therefore the growth process could be analysed. (2) Possible problems and solution The major problem in production of insulin by recombinant E. coli is the rapid intracellular degradation of the recombinant protein. Insulin is then produced as a fusion protein with a protein partner that would direct the recombinant gene product towards the formation of inclusion bodies. (2) Proteolytic degradation and over expressing protein can destabilize the protein hence protein are produced in the form of inclusion bodies which are complicated and expensive denaturing and refolding process during the downstream processing. To overcome this problem, recombinant protein could be targeted at the periplasm instead of the cytoplasm hence avoided formation of inclusion body. (5) In the process HCDC would cause several problems for example the limitation of dissolved oxygen due to high cell density and off gas accumulation which reduces the growth rate and enhance formation of acetate acid. The use of different promoters to regulate the level of expression and use of oxygen enriched air would minimize the problem. (5) During the HCDC process, overproduction of recombinant proteins often results in cell filamentation and stagnant growth. The filamentation of cells consequently lowers productivity and final cell concentration. The problem could be overcome by suppressing the cell filamentation, by co-expressing the E.coli ftsA and ftsZ genes. (5) Escherichia coli limitations E. coli is not appropriate to produce large and complex proteins which contain disulfide bonds or protein that require post translation modification. (5) Acetic acid is produce by E. coli when glucose is used as a carbon source. (5) Secretion of protein by E. coli is a complex process often fails due to incomplete translocation across the membrane and insufficient capacity of the export machinery.(10)

Comparing Love and Sports in A Separate Peace and Goodbye, Columbus Ess

Love and Sports in A Separate Peace and Goodbye, Columbus      Ã‚  Ã‚   There is a substantial difference in the way Goodbye, Columbus and A Separate Peace, both published in 1959, address the theme of sex; what there is galore in Philip Roth's novel, is conspicuously absent in the work of John Knowles. Apparently, sexuality was still a taboo at the time, and both books treat it as such: e.g., the discovery that their daughter is no longer a virgo intacta topples the world of the older Patimkins in Goodbye, Columbus (at least the father's sentiment seems to be genuine; whether "Mother Patimkin's" shock and subsequent outburst of indignation are equally unfeigned can be argued). Still, Roth's novel is fairly realistic in explicating sexuality as a driving motif behind its characters' actions, which cannot be said about A Separate Peace. Indeed, sex is a nonentity in the novel of John Knowles; the fact could have been explained by the strict discipline of the Devon prep school, had it not been for The Catcher in the Rye--the book that shows what a significant part of prep school life sex, indeed, was. There is only a few years' interval between the time of the action of these two novels--definitely not enough for morals to loosen so dramatically. One can but conclude that even for a book to have been published in 1959 A Separate Peace is remarkably chaste.    There is only one suggestive reference in the novel of John Knowles--the episode when Finny ignores Gene's warning that wearing a pink should could make him look like a fairy. Of course, the relationship between Finny and Gene itself can be interpreted askance: in his study on A Separate Peace Hallman Bryant draws attention to the analysis of George-M... ...elationship of Brenda and Neil is smothered by the profoundest egotism reflected in their preoccupation with the material aspects of being.    It would be interesting to see what A Separate Peace would look like if the physical aspect of love in it was not superseded by sports. The dynamics of the character suggests that Finny, infinitely free as he is, knowing no fear, and majestically comfortable with breaking the rules, would be more than likely to have transgressed by the age of seventeen--out of sheer curiosity and goodness, in a Tom Jones way.    Works cited Bryant, Hallman. A Separate Peace: the War Within. Boston: G.K. Hall & Co, 1990. Halio, Jay L. Philip Roth Revisited. New York: Twayne, 1992. Knowles, John. A Separate Peace. New York: Macmillan, 1961. Roth, Philip. Goodbye, Columbus. Boston: Houghton Mifflin, 1959.   

Burnning Notebooks as Therapy Essay -- Personal Narrative Writing

Burnning Notebooks as Therapy For many people, the purpose of journaling is a sort of catharsis. With pen on paper, they are able to work through problems and issues. These problems are overcome simply by allowing time to process these tribulations enough to form sentences about them. I too use writing for this purpose. However, I often do not allow writing to be the last step in my emotional eradication. I was seventeen the first time I held a match to a completed page, but lighting the fire is the last step. Before a notebook can be burned, it must first be filled; this isn't an easy task. A Mead composition notebook contains one hundred sheets--or two hundred pages. The goal in essence is to write. As each word flows onto the paper through the pen, some event must set the precedent; be it long narrations of break-ups or pained descriptions of breakdowns, copious amounts of material must pave the way--the emotionally passive life cannot be translated onto paper. However, for those who can complete the task, the reward comes when the back cover is closed. It is then that the... Burnning Notebooks as Therapy Essay -- Personal Narrative Writing Burnning Notebooks as Therapy For many people, the purpose of journaling is a sort of catharsis. With pen on paper, they are able to work through problems and issues. These problems are overcome simply by allowing time to process these tribulations enough to form sentences about them. I too use writing for this purpose. However, I often do not allow writing to be the last step in my emotional eradication. I was seventeen the first time I held a match to a completed page, but lighting the fire is the last step. Before a notebook can be burned, it must first be filled; this isn't an easy task. A Mead composition notebook contains one hundred sheets--or two hundred pages. The goal in essence is to write. As each word flows onto the paper through the pen, some event must set the precedent; be it long narrations of break-ups or pained descriptions of breakdowns, copious amounts of material must pave the way--the emotionally passive life cannot be translated onto paper. However, for those who can complete the task, the reward comes when the back cover is closed. It is then that the...

arthritis Essay -- essays research papers fc

  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚     Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚     Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Arthritis.  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚     Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Arthritis is a disease that in some way effects everyone. Whether you have arthritis or not, chances are, you know someone who does and can see the effect it has on them. There are some common misconceptions about arthritis, types of arthritis, and the causes. There are in fact some different types of the disease that most people don’t know about.   Ã‚  Ã‚  Ã‚  Ã‚  One type of arthritis is osteoarthritis. It is a degenerative arthritis (a condition in which joint cartilage breaks down). New tissue, which grows at the ends of bones, has no cartilage cap to shape it. This new bone forms into lips and ridges that grind and grate against each other and get in the way of how the joint moves. Osteoarthritis is common in older people after years of using a joint more that one usually uses one. The thin cartilage wears away on bone rubs on bone. Osteoarthritis can also result from diseases like Paget's disease (in which the long bones of the body curve), or osteoporosis. Osteoarthritis of the spine is called Spondylosis. That happens when joints degenerate and the weight of the body is supported unevenly. Other forms of arthritis can also cause what’s called a secondary osteoarthritis. Osteoarthritis does not happen to all people when they get old. Only some elderly people get the disease. Women are affected more than men. Us ually their heredity and the strength of their immune systems are the reasons why. Medical science still isn’t quite sure of all the reasons why some people get it and others don’t. But they do offer some suggestions for treatment. Exercising to keep joints flexible and improve muscle strength. Different medications are used to control pain including corticosteroids, NSA... ...nbsp;  www.arthritis.org/conditions/DiseaseCenter/oa.asp Arthritis foundation (no date   Ã‚  Ã‚  Ã‚  Ã‚  given) Retrieved Apr. 14th, 2003 2.  Ã‚  Ã‚  Ã‚  Ã‚  (No author given) â€Å"Arthritis† www.kineretrx.com/rhumatoid_arthritis.htm   Ã‚  Ã‚  Ã‚  Ã‚  Amgen 2001 Retrieved Apr. 14th, 2003 3.  Ã‚  Ã‚  Ã‚  Ã‚  (No author given) â€Å"Arthritis† www.aaos.org/wordhtml/pat_educ/aritis.htm   Ã‚  Ã‚  Ã‚  Ã‚  American academy of Orthopaedic Surgeons. 2000 Retrieved Apr. 13th, 2003 4.  Ã‚  Ã‚  Ã‚  Ã‚  (No author given) â€Å"New Studies Link Rheumatoid Arthritis and Heart Disease†   Ã‚  Ã‚  Ã‚  Ã‚   www.allaboutarthritis.com/portal/DPUY/AAA DePuy Orthopaedics 2003 Retrieved Apr. 15th,   Ã‚  Ã‚  Ã‚  Ã‚     Ã‚  Ã‚  Ã‚  Ã‚   2003 5.  Ã‚  Ã‚  Ã‚  Ã‚  (No author given) â€Å"Examples of Rheumatic Diseases†   Ã‚  Ã‚  Ã‚  Ã‚  www.niams.nih.gov/hi/topics/arthritis/artrheu.htm#art_a National institute for   Ã‚  Ã‚  Ã‚  Ã‚  arthritis and   Ã‚  Ã‚  Ã‚  Ã‚  musculoskeletal and skin disease. Feb 2002. Retrieved Apr. 16th,   Ã‚  Ã‚  Ã‚  Ã‚  2002

Motivations at work Essay

Introduction   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Every human experience involves a causative factor that produces a kind of response. In explaining the behavior of people, we start our description with reference to some kind of active driving force: the individual seeks, the individual wants, the individual fears. Various psychologists describe motivation, in other words, as the driving force behind our behavior (Halonen & Santrock, 1996; Atkinson, et al. 1983).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Smith, et al. labels their discussion on motivation as the â€Å"Why† of behavior (1982). Why does the tardy student in mathematics spend the rest of the period outside instead of inside the mathematics classroom? Emotions or strong feelings usually accompany motivated behavior.   Often, emotions direct behavior toward goals (Atkinson, et al. 1983).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Essentially, the role of motivation in a person’s life is crucial to the understanding of human activities. Motivation is never static because in life, there always presents a dynamic and changing pattern of needs. Internal and external motivation provides in brief, an astute way of explaining the â€Å"why’s† of people’s behaviors (Halonen & Santrock, 1996). No wonder then, that in general, educators handle pupils or learners in the light of this ideation.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Again the question, why do people behave as they do? How can people account for the workers who are always on time, exceed production quotas, and are polite to the boss, whereas other workers at the same plant who perform the same job under the same conditions for the same pay behave in the opposite way?   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   It is easy to say that there must be an increase the motivation of the employees, but unless people know precisely what factors constitute motivation in this specific instance, changes may not be that feasible.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Human motivation is most complex. People seldom behave or respond to a particular situation because of a single motive. Generally, individuals are driven by a variety of needs and desires, some complimentary and others conflicting (Halonen & Santrock, 1996). Although there is no full and accurate understanding of a human being’s motivational structure, there is a body of knowledge from psychological research, which shows quite a bit about the forces that drive humans. Motivation theory 1 – McClelland’s Achievement Motivation Theory   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   This desire to accomplish something, to do a good job, to be the best typifies many people in this society, not only successful business executives(McClelland & Burnham, 1976). Those who possess this need derive great satisfaction from their achievement and are motivated to excel in everything they undertake.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Evidence also shows that the economic growth of private companies and of whole societies is related to the level of the need for achievement among managers in these private companies and members of these societies (McClelland & Burnham, 1976).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Successful business managers generally score higher in need for achievement – need persons have been identified, it is possible to determine what they want and what they need in their work to satisfy this high level of achievement motivation   (McClelland & Burnham, 1976).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The organization for which high achievement-need persons work is not required to generate motivation; these persons already possess the motivation. What the company must do is to provide working conditions that will allow them to achieve. If they cannot satisfy their high drive for achievement, they will become frustrated and will probably look for another job. If they can satisfy this drive, however, they will become happy and productive members of the organization (McClelland & Burnham, 1976).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   McClelland’s research identified three characteristics of high need-achievement persons: They favor a working situation in which they are able to assume personal responsibility for solving problems. If they were not solely responsible for finding the solutions to the problems, they would not have any sense of achievement. They are not happy when the solution depends on chance or on external factors beyond their control. It must depend on their own efforts and ability (McClelland & Burnham, 1976). This is a desirable characteristic for an executive as long as the working situation affords the opportunity for personal responsibility. The organization must provide these persons with challenging responsibility and a degree of personal autonomy. They have a tendency to take calculated risks and to set moderate achievement goals. By assuming tasks of moderate difficulty, high achievement need persons are able to satisfy their achievement needs (McClelland & Burnham, 1976). If the tasks or goals were too easy, there would be little sense of accomplishment. If they were too difficult, they might not succeed and would again have no sense of accomplishment. They must arrange the job and working conditions to face new problems or goals of moderate difficulty constantly. High achievement-need persons must have definite and continuing feedback about their progress. If they did not receive recognition for their work, they would not have a clear idea of how well they were doing (McClelland & Burnham, 1976). Fortunately, companies provide continuing feedback in periodic sales, cost, and production figures. High achievement-need persons feel a greater sense of accomplishment if they have personal feedback from superiors in the form of congratulatory memos, pay raises, promotions, or a pat in the back.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The higher the achievement-need scores of the executives, the more successful were their companies. Other studies show that managers high in achievement-need display a number of desirable managerial characteristics. They tend to have more respect for their subordinates and to be receptive to new ideas and new ways of doing things (McClelland & Burnham, 1976). Also, they are more open to participatory democracy than are managers low in achievement need. High achievement-need managers appear to be better than low achievement-need managers to lead and motivate the new breed of employee.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   There are unresolved questions about the need-achievement theory, and not all research supports the findings discussed (Klinger, 1966). However, it seems to be a useful theory of behavior and a plausible explanation for the motivation of some employees. The theory is judged to be high in scientific validity and in its usefulness in application to the world of work (McClelland & Burnham, 1976). Motivation theory 2 – Adam’s Equity Theory   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The notion that people’s motivation is influenced by their perception of how equitably they are treated at work was proposed by J. Stacy Adams. In any work situation, be it a classroom or an office, people assess both their inputs – how much effort they are putting into the work   – and their outcomes – how much reward they are receiving for the work. people then, perhaps unconsciously, calculate the ratio of outcome to input and compare their ratio with what they perceive are the ratios of fellow students or co-workers (Adams, 1965).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Are people getting equal outcomes as a function of their inputs or are they getting less than other people? If they are getting less, a state of inequity exists, which motivates them to create a condition of equity. If people are getting the same, a state of equity exists.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Research shows and personal experience confirms that people do make such comparisons. One may have felt unfairly or inequitably treated in a course for which he worked harder than someone who, ultimately, received a higher grade. Did one work even harder as a result of this inequity?   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   It is generally accepted that a sense of being treated fairly with respect to others can influence work motivation, either by increasing or reducing it. The theory is fairly well supported by research but has a limited application to specific situations at work (Marx, 1976). Motivation theory 3 – Goal Setting Theory   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Developed by Edwin Locke, goal-setting theory also has a common-sense appeal and is clearly relevant to the world of work. Locke argues that a person’s primary motivation in a work situation can be defined in terms of his desire to achieve a particular goal. The goal represents what the person intends to do at a given time in the future. For example, people may have as a goal graduating from college with honors or achieving the highest sales recorded in the company or getting a pay raise to buy a new house (Locke, 1968). Goals are important in any endeavor, motivating and guiding ones’ behavior so that the person performs in the most effective way. Studies of work behavior have shown how goals influence a person’s motivation; for example, having goals results in higher performance than not having goals. Specific goals are more motivating than general goals (Marx, 1976). Goals that are difficult to obtain are more motivating than easy goals. On the other hand, goals that so difficult as to seem impossible to achieve are worse than having no goals at all as far as motivation and performance are concerned.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The goal-setting theory is probably the most thoroughly researched of all the motivational theories that are discussed. The evidence is highly supportive, in case after case goal-setting has been found to produce substantial increases in employee output (Marx, 1976; Locke, et al., 1981). Furthermore, the theory is high in both scientific validity and in usefulness on the job. Conclusion – The problem of employee motivation is critical in all kinds of organizations today and is responsible for the shoddy products we buy and the careless service we receive. It was thought that all that was necessary to produce high motivation in workers was to pay them more; this idea may no longer be valid for a large portion of the work force. Modern workers demand jobs that satisfy their inner needs for fulfillment, expression, and self-actualization. Traditional values involved loyalty to the company and a strong drive for money, status, promotion and security. The new breed of workers focuses on self-fulfillment and self-actualization and demands jobs that are challenging and that allow participation in decision-making. They have little loyalty to the organization and less concern with money, status and security.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Psychologists have proposed several theories of motivation. The need for achievement by McClelland posits the existence to be the best in whatever they undertake. Studies show that good executives are higher in Ach than poor ones. High in ability and take calculated risks and set moderate achievement goals. These individuals constantly need feedback on their progress.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   These theories deal with content of motivation, with internal needs that arouse and guide behavior. Process theories of motivation focus on the psychological processes involved in making decisions and choices about work. This is illustrated in the goal-setting theory, which argues that employee motivation is defined by our intention to achieve a particular goal; and equity theory, which deals with our perceived ratio or outcome to input and how equitably that ratio compares with those co-workers.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Knowing what a person values most, like I do, still these things do not reduce the presence or effects of stressors in my life. Trying to achieve a correct balance of my work and the more important life relationships as well entails a big bulk of decision-making dilemmas and resolutions of what should be followed or not. Whenever other people in the workplace are around us, it is undoubtedly a complicated set-up knowing that these people have values and priorities and desires multiplied over their number. Their motivation at work or in life is impinged upon by their values and priorities which are in turn what makes them motivated. These values are translated into goals that fuel what and how their conduct will be in their field of work.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The workplace today considers any of the perspectives mentioned in this paper. However, what are more reflective at many organizations are their strategies in enhancing the life of the average worker. The understanding of the needs or drives that motivate people is therefore critical in the choice of what â€Å"motivator variables† that the management may employ to encourage their people to do or sustain an excellent job or an efficient performance.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Work-life initiatives are strategies implemented by firms to reduce turnover and increase productivity and overall firm performance. Studies were made to examine the influence and effects of work-life initiatives on employees and the organization in general. Workplace diversity which incorporates the concepts of work-life initiatives does indicate that it is inevitable that when a company introduces work-life initiatives, there is a resulting increase in diversity. Substantial evidence point to the effectiveness of workplace diversity hence, many institutions encourage and promote this in their particular milieu (http://www.cmdronline.com/workshops.htm). This type of strategy caters to the goal-setting perspective posited by Edwin Locke. Although the other two are also very valid in many instances or situations, the applicability of the former (goal-setting) seemed to be more realistic and practical.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   It is inevitable that juggling work and family life will be one of a person’s demanding experiences. The rationale for having a job is not only to have a livelihood, achieve personal satisfaction in the expression of his abilities and trainings, and receive his remuneration and perks on the side. Preparation for family stability to be able to provide and thus create an atmosphere of care, for bachelors/maidens, is also the foremost and logical reason for having a job. However, the thin thread that separates between the two polarities becomes blurred, and there lies the tension that pulls a person in different directions. The Center for Mediation and Dispute Resolution opens its website with the following quote: â€Å"Our life is one giant balancing act (http://www.cmdronline.com/workshops.htm).†Ã‚   Perhaps, no person will ever disagree with that statement.   The goal then is to know how to do the balancing act, to gain competencies in achieving a rewarding, flourishing kind of life that holds work in one hand, while maintaining a well-nurtured and healthy family on the other hand.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Every home has its set of beliefs or tradition that they hold in high esteem. This is referred to as family values. Anything that the family believes is important comprises a family values system. Among the values an individual possesses, the most important I believe is that a person must regard most his/her values about family as the most significant. Many people don’t usually pause and contemplate what their values are. They may not know whether these values they already have are still practical or useful in a modern day world. Moreover, they do not think how their values fit in with their kind of milieu that they evolve in. There are families that take time out though to impart to their children what had been passed on to them when they too were yet very young. The values may not be as strong as when were yet children because the person may have adapted to his world and adjusted his values that others may be accommodated. Through the years, a family value system may be a combination of what had been passed on to an individual and the values system of one’s friends or colleagues at work (_______†Values: What are they?† 2007). The primary reason that goals and goal-setting are critical aspects in the role of motivation in people is pointedly because what we hold as important affects how we use time, money and energy or how we interact with people. If a person believes in the importance of education then he tries to save for the schooling of their children. What we set as goals are actually our values influencing how we spend our resources and make decisions. Reference: Adams, J. Stacey (1965), â€Å"Inequity in social exchange†, in   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Berkowitz, Leonard (Ed),   Ã‚  Ã‚  Ã‚   Advances in Experimental Social Psychology, Vol. 2, Academic Press, New York,   Ã‚  Ã‚  Ã‚  Ã‚   pp. 267-299. Atkinson, Rita L., Richard C. Atkinson, and Ernest R. Hilgard. 1983. Introduction to   Ã‚  Ã‚  Ã‚   Psychology. 8th ed., New York: Harcourt Brace Jovanovich, Inc. Halonen, JS and JW Santrock, 1996. Psychology: Contexts of Behavior, Dubuque, IA: Brown   Ã‚   and Benchmark, p.810. Klinger, E. 1966. Journal of Economic Psychology. Fantasy need-achievement as a   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   motivational construct. Psychological Bulletin 66 4 (1966), pp. 291–308 Marx, Melvin H. 1976. Introduction to Psychology: Problems, Procedures, and Principles.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Columbia: Collier MacMillan. McClelland, D. C., & Burnham, D. H. 1976. Power is the great motivator. Harvard   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Business Review, 54(2), 100-110. Morris, Charles G., Maisto, Albert A., 1999. Understanding Psychology.4th ed., Prentice   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Hall: New Jersey, pp.315-  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   316. Smith, Ronald E., Sarason, I.G., and Sarason, B.R. 1982.    Psychology: The Frontiers of   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Behavior.2nd Ed. New York:   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Harper and Row Publishers. __________ â€Å"Values: what are they?†2007. Family Works : University of Illinois extension.   Ã‚   Accessed February 18, 2008. http://www.urbanext.uiuc.edu/familyworks/values-  Ã‚  Ã‚  Ã‚   01.html _________Centre for Mediation & Dispute Resolution, Accessed February 18, 2008.in   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   http://www.cmdronline.com/workshops.htm

Muscle Skeletal Muscle

NAME LAB TIME/DATE _ Microscopic Anatomy and Organization of Skeletal Muscle Skeletal Muscle Cells and Their Packaging into Muscles 1. Use the items in the key to correctly identify the structures described below. g; perimysium c; fascicle Key: a. b. c. endomysium epimysium fascicle fiber myofibril myofilament perimysium sarcolemma sarcomere sarcoplasm tendon 1. 2. 3. 4. 5. 6. 7. connective tissue ensheathing a bundle of muscle cells bundle of muscle cells contractile unit of muscle ; sarcomere d; fiber a; endomysium h; sarcolemma e; myofibril d. a muscle cell thin reticular connective tissue surrounding each muscle cell plasma membrane of the muscle fiber a long filamentous organelle with a banded appearance found within muscle cells actin- or myosin-containing structure e. f. g. h. 1. f; myofilament 8. 9. j. k. k; tendon cord of collagen fibers that attaches a muscle to a bone 2. List three reasons why the connective tissue wrappings of skeletal muscle are important.The connective tissue wrappings (a) bundle the muscle fibers together, increasing coordination of their activity; (b) add strength to the muscle; and (c) provide a route for entry and exit of blood vessels and nerves to the muscle fibers.3. Why are there more indirect-that is, tendinous-muscle attachments to bone than there are direct attachments? They conserve space (less bulky than fleshy muscle attachments) and are more durable than muscle tissue where bony prominences must be spanned.4. How does an aponeurosis differ from a tendon structurally? tendon is a band or cord of the same tissue. An aponeurosis is a sheet of white fibrous connective tissue; The diagram illustrates a small portion of several myofibrils. Using letters from the key, correctly identify each structure indicated by a leader line or a bracket. Key: a. b. c. A band actin filament I band d. e. f. myosin filament T tubule te rminal cisterna g. h. i. triad sarcomere Z disc . On the following figure, label a blood vessel, endomysium, epimysium, a fascicle, a muscle cell, perimysium, and the tendon. Perimysium Tendon Epimysium Fascicle 90 Review Sheet 14 r>. The Neuromuscular Junction7. Complete the following statements: The junction between a motor neuron's axon and the muscle cell membrane is called a neurornuseular junction or a _1_ junction. A motor neuron and all of the skeletal muscle cells it stimulates is called a _2_. The actual gap between the axon terminal and the muscle cell is called a _3_.Within the axon terminal are many small vesicles containing a neurotransmitter substance called_4_. When the _5_ reaches the ends of the axon, the neurotransmitter is released and diffuses to the muscle cell membrane to combine with receptors there. The combining of the neurotransmitter with the muscle membrane receptors causes the membrane to become permeable to both sodium and potassium. The greater influx of sodium ions results in _6_ of the membrane. Then contraction of the muscle cell occurs. 1. 2. 3. 4. 5. 6. yoneural motor unit synaptic cleft acetylcholine nerve impulse (action potential) depolarization 8. The events that occur at a neuromuscular junction are depicted below. Identify by labeling every structure provided with a leader line. Key: a. b. a e c. d. e. Nucleus axon terminal mitochondrion muscle fiber myelinated axon sarcolemma synaptic cleft synaptic vesicle T tubule f. c g. h. (a) g————-, b——–†¦ f———, Junctional—R:: folds of the sarcolemma h -+—–. :r-! -I Part of a myofibril (b) Review Sheet 14 91

Japanese Family

Japanese family is known for being industrious, hardworking and for being responsible; but they have time for leisure. Japan is instituted through what they call the ie system. The ie or household is considered as the basic unit of Japanese law until the end of World War II. It consists of grandparents, their son and his wife and their children.Each family was required to follow to the ie system, with a multigenerational household under the legal authority of a household head. (Japanese Family† access 2007) This ie system is patterned after the Confucian’s of the upper classes of the Togukawa period.The ie lay legally the authority and responsibility to the household head. Every generation supplied a man and woman , with a preference to acquire by the first son and for the patrilocal marriage. In Japan daughters were expected to get married and the younger sons were expected to establish their own family.Japanese woman have no right to legally own or control property at the same time to choose her man to be her husband. The ie system are very restricted to the development of each individual, women’s rights and most of all the individual rights. During the late World War II, Allied occupation forced to create a new family beliefs based on the equal rights for women , equal rights required by all children and the freedom to choose of spouse and field. In the late 1960’s also most Japan marriages have been based on the mutual feelings and attraction of the couple and not the parents arrangement.Actual negotiations do not start until all the concerned parties including the husband and wife are satisfied with the relationship. Japanese family current lifestyles the husband and wife are satisfied with the relationship. Japanese family current lifestyles is that the father or husband may travel to work and return late.They spend so little time for their children except Sundays which is the favorite day for family outings. While the wives cal led as â€Å"expert or professional wife† which have a total responsibility for raising their children, to guarantee their career and marriages, managing the household and at their children, to guarantee their career and marriages, managing the household and at the same time the family budget. Wife also responsible in maintaining the social relations to their relatives, neighbors and for maintaining and managing the family’s reputation. Social life of wife is separated from that of her husband.She also required to participate in the adult education or other community activities. Mother and the children are the closest emotional ties. The question whether the contemporary Japanese families still have preferences for entertainment during their free time, is obviously an interesting one. Base on research conducted, despite their busy schedule Japanese family are engaged in different forms of entertainment. Fathers in Japan, choose the following entertainment during their free time are singing in the karaoke ,listening in the Japanese music and going to the department stores.They are doing this to make them feel relaxed, enjoyed and satisfied. On the other hand, mothers in Japan are only in the house and much comfortable in serving and cooking for their family. Most of them likes to watch TV movies. They are close to their children just because they are the one staying in the house always. Children in Japan like to watch movies, reading the anime, and listening Japanese music. The two leading forms of entertainment in Japan by family members are the Karaoke and Anime. Japanese love music. They usually sing and dance even though they are not good singers.They like to hear and sing different interesting melodies like â€Å"What a Wonderful World†, Love Spreads†, â€Å"99 Red Balloons†, â€Å"Bigorouf Strikes again†. Karaoke is one of the best choices of entertainment in Japan. Karaoke is very well-known in Japan. â€Å"Karao ke as a form of entertainment†¦, is as much a part of life as music itself. †[For Japanese people]. (Newman, 2001) Japanese Japanese are very passionate in singing in the karaoke. Karaoke have different kind of shows to choose from by amateur and professional. One of the shows is a glance inside the private karaoke rooms.In Japan. And the other one is the Home karaoke systems are located at electronic stores. Fathers in Japan are very busy because of their work but they have also time to enjoy their selves and go to some karaoke bars to sing their. This is the reason why they are returning home very late. Fathers in Japan have so little time for their wife and children but they see to it that they are all together during Sunday, their favorite day for their outing. Not only have the fathers loved to sing in the karaoke also the children specially the youth sing together with their friends They expressed their feelings by singing.Mothers or wives also love music but they o nly sing in the home karaoke, because they are only staying in their house to serve their husbands. Japanese families second choice of entertainment is the Anime. Anime reminds the Japanese culture Good example of this is the Manga which every Japanese people loves specially the Japanese children. Mr. Tezuka Osamo is recognized as the Father of Anime in Japan. He was distinguished as the Mangaka or cartoonist. Tezuka Osamo introduce anime to the TV screen, one of his own Manga on 1963 which is the Tetzuwan Atomu also known in the other country as Astro Boy. (â€Å"Modern Japan â€Å")Other well known cartoonist is the Gundam in the 80’s and Neon Genesis Evangelion on 1995. Japanese had a very eager appetite for Manga or comic books during rush hour on a train. In the West mainstream comics are almost entirely for children. Japanese Manga has different types and some are not appropriate for children. Examples of this are the graphic violence and sex. Two main forms of Manga come weekly, twice-monthly and monthly magazine . style Manga and paper books. Some good examples are in the sections on animated movies and TV cartoons.Japanese used Mangajin, one of a classic magazine as a fun and effective method to learn Japanese. It was promoted last 1990-97, it also contains interesting article on different aspects of Japanese culture. There is a shonen manga which is for young guys and shojo manga which id for young girl. They deal with a science fiction, young guys and shojo manga which id for young girl. They deal with a science fiction sports and romance and tend to portray male. Characters as the male manga do with the male characters. One of the popular female manga is Sailor Moon, which became a very successful TV show.Manga become popular and exceedingly large in Japan. One of the important things learned in this course is the reality of distinct family values among different cultures. That there is a difference between an Asian culture specially to th e Japanese. According to Mr. Yakamoto â€Å"I love singing in karaoke it makes me feel relaxed and happy† Based to Mr. Yakamoto’s statement he chooses karaoke as his entertainment because he find it relaxing and happy. Almost the father in Japan, their choice of entertainment is the karaoke . While in the other Asian country likePhilippines loves to watch movies and play basketball. His wife Mrs. Yakamoto loves to cook and sing in the home karaoke because according to her she wants to give the excellent service to her husband and kids. Their little son Aikihiru Yakamoto says that â€Å"For me my choice of entertainment in our country is the Anime. I really enjoyed reading it. † Based to the Yakamoto family they emphasized that they have their own choice of entertainment which give them satisfaction. They feel relaxed and happy too. Every country has different choices of entertainment but in Japan they emphasized that the karaoke and anime are their best choice d uring their free time.Their favorite day is Sunday which all the members of the family are join together to have their outing. Mr. John E. Lamuth, 45 years old author who finished his Master of Science Degree in Counseling from California State University who wrote â€Å"The Essential Guide to Family Values under the Grand Unified Theory of Ethics and Morality† which the title involve new moral scheme is the first grand combination theory of its kind: the ethical values establish in traditional Greek philosophy improved by the writings of the great Church theologians for the past two years.The typical groupings of ethical values defined within this scheme all happen to be related on an perceptive level, recommending a clear sense of essential cohesiveness. The source of innovation behind this alteration arises as a direct result of the emerging field of Communications, Theory, borrowing the critical concept of the met perspective. Based on this theoretical example, the concep tual groupings of virtues and values are cooperatively seen as subsets within this ladder of met perspectives, each more theoretical grouping constructing upon those which it succeed.There are ten levels hierarchy of met perspectives somewhat reproduced like GLORY reproduced as PRUDENCE, PROVIDENCE reproduced as FAITH, GRACE reproduced as BEAUTY, TRANQUILITY reproduced as ECSTACY , HONOR reproduce as JUSTICE, LIBERTY reproduced as HOPE, FREE WILL reproduced as TRUTH and EQUALITY reproduced as BLISS. The consistent hierarchy of qualities, morals, and best proves extremely complete in scope , accounting for almost every major ethical term renowned within the Western ethical tradition.It is simple to achieve a sense of the development towards increasing theoretical when examine each of the individually represent columns from top to bottom. Such external similarity, however, has an inadequate claim to be the complete picture; for it further proves probable to stand this hierarchy of fam ily values completely within a behavioral organization; specifically the vocabulary of operant conditioning recommended by the famous American psychologist ,B. F Skinner. The complete ten level of hierarchy of family values lastly accomplished the degree of authenticity applicable such accurate â€Å"technology of behavior.† Definitely, this new system proves particularly well appropriate for launching moral values to a new generation of youth. One of the important things learned in this course is the reality of distinct family values among different cultures. That there is a difference between an Asian culture specially to the Japanese. The grand unified theory of ethics in moral by Mr. John Lamuth is very applicable to Japanese family because they are very aware to their family reputation and moral. They give this kind of responsibility to all the housewives.That’s why all the mother or wives are responsible in maintaining social relations to their relatives, neighbo rs and for maintaining and managing the family reputation. In this theory we learn the importance of ethics and morality in a person itself. Because of this they can get the respect and love of others people. It is not hard for them to talk to them and ask for some help because we already planted a good moral for yourself. Japanese families gain this kind of high reputation. They possess some characteristics like being responsible, honest,loving and respectful from within and to their love ones.Meaning their family are intact and with a good relationship to each other. Japanese families are very ideal and somewhat to idolized by every family in Asian country and Western country too. They are really different to other families because even they are so busy they can save time too for their family specially Sunday. This is one good reason why they are so successful. Being successful and happy start first in the relationship we had for your own family. Family gives us the totality as a person. No one can understand you and love you like what your family gives you.Love, Care and Respect your family. Don’t be so selfish to give your love and attention to other member of the family and you will see in return that love and attention you give makes them feel better and very happy. Happiness makes a person successful because of doing their work easily.BIBLIOGRAPHYâ€Å"http://en. wikipedia. org. /wiki/Japanese_family†Http: www. furious. com/perfect/karaoke. html Modern Japan – Entertainment – Anime. htm Lamuth, John E. 1999, The Ultimate Guide to Family Values: A Grand Unified Theory of Ethics in Morality, California U. S. A

Green Banking

Introduction: Deforestation, dissertation, flood, soil erosion, siltation, sedimentation, river bank erosion, increased evaporation, Co2 emissions, rising sea-level, displacement, cyclones, salinization, arsenic contamination are most burning word in the present world. And all words are related natural disaster and climate change. Because, climate change is the most complicated issue the world is facing. Across the globe there have been continuous endeavors to measure and mitigate the risk of climate change caused by human activity.Another name of this attempt is â€Å"Sustainable Development† to us. The process of sustainable development involves all sectors in the economy – Government, NGOs, corporate, citizens and, of course, the financial sector. Our beloved mother land Bangladesh is one most affected country by this climate change. And Bangladesh banking industry is ahead one step from other financial institutions for taking endeavors to measure and mitigate the ri sk of climate change caused by human and banking activity. This activity is familiar in banking industry with title of â€Å"Green Banking†. 1. Green Banking: Green banking in general refers to the efforts of the Banking sector to keep the environment green and to minimize greenhouse effects through rationalizing their strategies, policy, decisions and activities pertaining to banking service, business and in-house operational activities. Green banking may be seen as a component of the global initiative from Banks end to save environment. Green banks or environmentally responsible banks do not only improve their own standards but also affect socially responsible behavior of other business. 1. 2 Rational of the Study:The success of a program like BBA is determined by how successfully the student of this program implemented in the practical life, which they learned from the program. Universities take many steps to make bridge between the academic knowledge and actual business w orld event of BBA students. Bangladesh banking industry is ahead one step from other financial institutions for taking endeavors to measure and mitigate the risk of climate change caused by human and banking activity. In Bangladesh there are many banks to do Green Banking among our domestic banks.The world is now become globalize so we have to sustain in the competitive world. We must take the competitive advantage that’s why we cannot avoid the environment while doing business. That’s why I feel very much interest in Green Banking. And it has another importance to me that is implementation of my educational knowledge and theoretical knowledge to the practical. 1. 3. 2 Specific Objectives: 1. 3. 1 General Objective: 1. 3 Objective of the Study: The objectives of the report are in lies with the objective of Project work.The prime goal of Project work is to provide a theoretical and practical experience to the student and to generate an opportunity to match the theoretic al concepts with real life situation. As stated above to deal with these objectives this report has been primarily divided into two parts. The objectives are: The general objective of this report is to fulfill the partial requirements of the BBA program and making me competent to cope with corporate culture through observing the general banking and remove the gap between practical world and theoretical knowledge.The specific objectives of this report is to I. To get comprehensive knowledge on overall banking industry of Bangladesh. II. To gather comprehensive knowledge on banking functions. III. To get vast knowledge about Green Banking. IV. To learn the major areas and products of Green Banking. V. To learn initiatives for promoting green banking at home and abroad. VI. To identify Green Banking policy. VII. To identify the necessity of Green Banking for Banking Industry. VIII. To identify the steps of Bangladesh Bank for Green Banking. 1. 4 Scope of the Study:We know that Banglade sh is the most preferable playground to play with people life for natural disaster. Deforestation, dissertation, flood, soil erosion, siltation, sedimentation, river bank erosion, increased evaporation, Co2 emissions, rising sea-level, displacement, cyclones, salinization, arsenic contamination are most burning word in the present world. And all these words are related natural disaster and very suitable to accommodate in our country. That’s why, Green Banking open a new era for Bangladesh banking industry to create a positive image, increase market value and contribute for developing the country.In our country Banks’ are the major of welfare driven economy and promoter of balanced growth in a country like Bangladesh which has a poverty stricken contemporary economic background. So Banks’ have a great opportunity to implement their mission, objectives very easily through green banking. By adopting a comprehensive green banking policy, installing new green banking products, considering green banking strategies at time of loan disbursement, developing program for the clients, mass people, and stakeholders to create awareness among them about the environment a bank can easily practice green banking.Bangladesh Bank the central bank of Bangladesh is already placed an order on February 27, 2011for the banking industry. Dhaka Bank Ltd. , Shahjalal Islami Bank, Mutual Trust Bank Ltd. , AB Bank Ltd. , Al-Arafah Islami Bank Ltd. , National Bank Ltd. , Uttara Bank Ltd. , Rupali Bank Ltd. , Jamuna Bank Ltd. , Brac Bank Ltd. , United Commercial Bank Ltd. , Basic Bank Ltd. , along with Islami Bank Bangladesh Ltd. , are famous for practicing green banking in Bangladesh. It is obvious that every study has some limitations. The study I have made is of great importance and require me huge work.While conducting I had to face a number of problems, which called limitations of my report. Those limiting factors that hampered my smooth workings to prepare this rep ort are as follows: * Lack of time: The time period of this study is very short. We had some weeks in my hand to complete this report, which was not enough. So I could not go in depth of the study. * Insufficient data: There is a great lacking of numerical data about green banking. Some desired information could not be collected due to confidentiality of business. *Other limitations: I have lacking of previous experience in this concern. And many practical matters have been written from my own observation that may vary from person to person. 1. 5 Methodology of the study: 1. 5. 1 Methods of data collection: Methodology is the study or theoretical analysis of particular working methods. Adoption of methodology is an important factor in performing any study. If the methodology of the study is properly adopted and the study runs properly according to the methodology, the study is supposed to be successful.The following represents the methodology of the study. * Conceptualization: Conce ptualization is the way of developing concepts about the thesis topic and its related topics and its related matter the study follows a procedural approach in order to get complete picture of concentration of different banks initiatives to green banking in worldwide and in Bangladesh. * Theoretical Framework: This report theoretical framework is focused on the insight of the current process theories and techniques in related to practicing green banking to get sustainability.It emphasizes the green banking policy, green banking strategies, green products and probable key opportunities of the products. And their inter relationship with making the environment green. 1. 5. 2 Sources of Data: * Primary Sources: The â€Å"Primary Sources† are as follows- i. Face-to-face conversation with the respective officers and staffs of the Branch. ii. Informal conversation with the investment clients. * Secondary Sources: The â€Å"Secondary Sources† of data and information are: i. Ann ual Report (Last five years) of different Banks’. ii.Periodicals published by Bangladesh Bank. iii. Various books, articles, compilations etc. regarding green banking functions, and the policies. 1. 5. 3 Data processing and analysis: Collected data and information both from primary and secondary sources were analyzed in the. Raw data from the survey have collected and edited and then classified and edited and then classified according to the objectives. I have used some techniques for the purpose of analysis. These are: * Theoretical analysis * Graphical analysis * Tabular analysis 1. 5. Preparation of the report: Following steps are associated with the preparation of this thesis: I. Representations of the assembled data through graph II. Preparation of the draft report III. Preparation of the final report 1. 5. 5 Flow Chart of the study Methodology: Conceptualization Developing Theoretical Framework Fixing Goals and Objectives Data Collection Primary Data Secondary Data Rela ted Organization Identification of the Potential Problem Data Organization Data Processing, Interpretation and Analysis Findings Recommendations Report PresentationLiterature Review: A comprehensive literature study was done to gain an exact scenario of the present status of green banking. During the literature survey relevant information was collected from a number of books journals, magazines, reports, government and non-government documents and other printed materials from the concerned financial and non-financial institutions. A very little study was conducted with the intensity of the green banking till today, although green banking is a burning issue and very crucial phenomena for the present world banking industry.Green (1989) revealed that a bank's responsibility extends to Government, customers, shareholders, staff, and the community. Companies do have ethical responsibility, but it is not protected by limited liability from the consequences of their actions. A company's re cord and the perception of its ethics affect its reputation and ensure long-term success or failure. Further, he concluded that as we face increasingly complex and conflicting issues, our commitment to ethical behavior would be tested. Hitt, Keats and DeMarie (1998) identified strategic challenges and discontinuities encountered by firms in 21st century.They analyzed that to build and maintain competitive advantage, requires a new types of organization, leaders for survival and global market leadership. It was concluded that success in 21st century organization would depend on building strategic flexibility like exercising strategic leadership, building dynamic core competencies, focusing and developing human capital, effectively using new manufacturing technologies and implementing new organization structures and culture. Therefore, the responsibility of banks in this scenario should be reviewed so that changes of 21st century can be effectively controlled.There is a strong need fo r re-inventing the role of banks as Jeucken (2001) has compared three world regions Europe (24 banks), North America (6 banks) and Oceania (Japan and Australia; 4 banks) for the period of 1998 to 2000. He analyzed and focused some important differences between regions, countries, and banks with regard to sustainable banking. The methodology was entirely based on studying environmental and annual reports of banks. He concluded that 53 percent of the banks adopt a defensive position towards the environment issue.Still, a large group of banks do not see the role, which they can play a sustainable development. Sahu and Rajasekhar (2005) addressed and analyzed certain questions regarding bank credit to the agricultural sector and impact of the closure of rural bank branches on the provision of credit to agriculture by analyzing the data on the total outstanding credit provided by the scheduled commercial banks to the agricultural sector during the period 1981 to 2000 and concluded that p rofit-oriented norms persuaded commercial banks to neglect the agricultural sector, provision of a credit subsidy reduce the supply of agricultural credit.Lyne, Nielson, and Tierney (2009) evaluated and analyzed10, 000 Multilateral Development Banks (MDBs) loans from 1980 to 2000. They found that (MDBs) dramatically increased social lending for health, education, and safety nets after 1985. Yet the great powers’ social policy preferences remained relatively static from 1980 to 2000. This contradicts the conventional view that powerful states control International Organizations (IOs). They argued that highly institutionalized IOs like MDBs require a complete model of possible member-state coalitions encompassing the preferences of all member states—not just major powers.McMichael (2009) questions the Bank's new vision, arguing that ‘new wine in old bottles’ will continue to supply affluence rather than ‘feed the world’ and sustain its agricultu res, especially at a time when land is being commandeered for luxury foods (e. g. the livestock complex, all-season vegetables and fruits) and bio-fuels, neither of which feed the poor. Ironically, the reproduction of poverty remains the Bank's main source of legitimacy. Goyal and Joshi (2011) studied a sample of 19 bank mergers (post liberalization) based on umber of branches and geographical penetration in the market. Apart from financial aspects, they observed some emerging issues like employees’ perception, branch size, customer perception, communication, change management strategies, and human resource management. These issues can be settled when a bank implements certain social and ethical policies. Weber and Remer (2011) described Social Banking as a way of value-driven banking that has a positive social and ecological impact at its heart, as well as its own economic sustainability.Most of the Social Banks came out of the crisis much stronger and bigger than they were before. In addition, none of the Social Banks had to be bailed out with public funds. This increasingly attracts the interest not only of clients searching for safe and sensible ways to deposit their funds but also of conventional banks that begin to understand the potential of a more socially oriented approach towards banking. It is a matter of awareness, which compel us to have some views from a different outlook.Bearing in mind the various functions of a bank and current scenario, now it is high time to understand the role of banks in 21st century. Therefore, this study is conducted to understand the various roles and responsibilities of banks in order to strive more effectively and efficiently against some current issues, which has already attracted the attention of the world. Following are the objectives to uncover the issues: * To understand the various roles and functions of Banks. * To know various emerging issues of 21st century in Banking Industry of India.The synopsis of my report literature review is Green Banking; the focus is on satisfying existing needs in the real economy and the society; also taking into account their social, cultural, ecological, and economic sustainability. In the repercussion of the crisis, many people felt that green banking is more caring for the overall progress of society than traditional and mainstream banking. It is assumed that green banking may provide important lessons for the banking and financial sector to avoid further crises in the future. 2. 1 Nature of the Research: Research is the systematic investigation into existing or new knowledge.It is used to establish or confirm facts, reaffirm the results of previous work, solve new or existing problems, support theorems, or develop new theories. The goal of the research process is to produce new knowledge or deepen understanding of a topic or issue. This process takes three main forms: I. Exploratory Research: An exploratory study is undertaken when not much is kno wn about the situation at hand or no information is available on how similar problem or research issues have been solved in the past. II. Constructive Research: Constructive research tests theories and proposes solutions to a problem or question.III. Empirical research: Empirical research tests the feasibility of a solution using empirical evidence. The literature review of this report is saying us a very little study was conducted with the intensity of the green banking till today, although green banking is a burning issue and very crucial phenomena for the present world banking industry. So, definitely my this report research type is exploratory research because, An exploratory study is undertaken when not much is known about the situation at hand or no information is available on how similar problem or research issues have been solved in the past.Green Banking: Global warming, which is one of the most burning & discussed issues, has the worst impact on the climate of the planet a s a whole. The rapid change in climate will be too great to be adapted by the eco-systems, since the change have already made direct impact on biodiversity, agriculture, forestry, dry land, water resources and human health. As such, issue of global warming calls for a global response. Due to unusual weather pattern, rising greenhouse gas, declining air quality etc. ociety demands that business also take responsibility in safeguarding the planet. The key areas of environmental degradation cover air pollution, water pollution, surface water scarcity, encroachment of rivers, improper disposal of industrial, medical and house-hold waste, deforestation, loss of open space, loss of biodiversity and many other issues. In response to increasing awareness over climate change, environmental degradation, urgent measures for sustainable development have been addressed by some of the stake holders all over the world.Banking system hold a unique position in an economy that can affect production, business and other economic activities through their procedure for financing activities which would in turn contribute to protect environment/climate from pollution. Moreover, efficiency in energy use, water consumption and waste reduction may significantly contribute for operating cost of many of the large banks of the country.Projects/Businesses those include waste prevention and resource efficiency systems in a wide range of sectors including community, commercial and business organizations – such as shopping centers, regional airports, hospitals, construction, farms, a university, public organizations, and educational organizations are receiving enhanced attention these days. Green finance as a part of Green Banking makes great contribution to the transition to resource-efficient and low carbon industries i. e. Green industry and green economy in general.Green banking is a component of the global initiative by a group of stakeholders to save the climate/ environment. Gree n banks or environmentally responsible banks do not only improve their own standards but also affect socially responsible behavior of other businesses. 3. 2 Why Green Banking: 3. 1 What is Green Banking: * * Green Bank means * An ethical bank * A socially responsible bank * A sustainable bank. * Green Banking is to support: * Innovative green products * Activities those are not hazardous to environment and help conserve environment. To help safeguard the planet from * unusual weather pattern; * rising greenhouse gas; * Declining air quality. * For ensuring green economic growth: economic growth which is sustainable. * To meet one of the Millennium Development Goals: Ensure Environmental Sustainability. 3. 3 Definitions of Green Banking: 3. 3. 2 The Broad focus: 3. 3. 1 In general focus: Green Banking is like a normal bank' which considers the entire social and environmental factors; it is also called as an ethical bank' Ethical banks have started with the aim of protecting the envir onment.Green banking refers to the efforts of the Banking sector to keep the environment green and to minimize greenhouse effects through rationalizing their strategies, policy, decisions and activities pertaining to banking service, business and in-house operational activities. Green banking may be seen as a component of the global initiative from Banks end to save environment. Green banks or environmentally responsible banks do not only improve their own standards but also affect socially responsible behavior of other business. Green banking can benefit the environment either by reducing the carbon footprint of consumers or banks.Either works, some with paper. Either a bank o (a consumer can conserve paper and benefit the environment. Ideally, a green banking initiative will involve both. Online banking is an example of this. When a bank’s customers go online, the environmental benefits work both ways. Green banking means combining operational improvements and technology, a nd changing client habits. 3. 3. 3 The definitions derived from specialists: * Sherman stresses (Key Differentiator of Green Choice Bank, Chicago): â€Å"With green banking, what sets leaders apart from the rest is†¦ ow you invest back in the community, so we are trying to develop loan products and deposit products that reward good environmental choices * Todd Larson (Community investing guide, green America): â€Å"a green bank is a logical extension of -socially responsible investing. † * Sherman Stresses, (Key Differentiator of Green Choice Bank, Chicago): â€Å"With green banking, what sets leaders apart from the rest are†¦ how you invest back in the community, so we’re trying to develop loan products and deposit products that reward good environmental choices†. Todd Larson (Community investing guide, green America): â€Å"A green bank is a logical extension of socially responsible investing. † * Justin Pritchard (columnist, about com): â⠂¬Å"Green Bank is a bank focusing on sustainability. It is bank like others but they are to claim the â€Å"green banking† niche, and they hope to excel by serving companies and individuals interested in green business. For the most part, the bank will work with businesses that find ways to do more and use less†. * Pravakar Shahoo (Author, Green Banking in India): The banks should go green and play a pro-active role to take environmental and ecological aspects as part of their lending principle, which would force industries to go for mandated investment for environmental management, use of appropriate technologies and management systems†. * Geoff Green wade, President and CEO, Green Bank (Houston): â€Å"Green banking means combining operational improvements and technology, and changing client habits†. * Stacy Ayiers (Author, Green banking-a new resource bank): â€Å"Specific banks designed to aid environmentally-conscious businesses and consumers with bet ter incentives and loan rates.Despite the changes in our economic system in business caused by the housing market, these banks are willing to work with companies who want to empower sustainability†. 3. 4 Conceptual derivation of Green Banking: : Americans are starting to turn to eco-friendly banking as a way to help reduce the carbon footprint from their normal banking activities. This movement away from branch and paper banking is being led by green banks that believe in social responsibility. The discussion around environmental management in financial institutions has until now largely taken place in industrialized countries.However, in view of the financial globalization and ever increasing environ-mental regulations, many financial institutions operating in developing and emerging countries are pressed to better manage risks arising from environmental liabilities. Besides credit and market risks, damage to an institution’s reputation often represents an important dr iver for international banks. Domestic players – including microfinance institutions may have different incentives, among others to contribute to local development, but they play an equally important role.Empirical research since 1990 concluded that banks were not interested in their own environmental situation or that of their clients. We are witnessing certain changes and growing awareness in the field of financial sector like; environmental investment funds, loans, green banking, global banking, rural banking, agri-banking, social banking and ethical banking. * Social Banking: In Social Banking, the focus is on satisfying existing needs in the real economy and the society; also taking into account their social, cultural, ecological, and economic sustainability.In the repercussion of the crisis, many people felt that social banking is more caring for the overall progress of society than traditional and mainstream banking. It is assumed that social banking may provide import ant lessons for the banking and financial sector to avoid further crises in the future. According to Institute for Social Banking, â€Å"Social Banking describes the provision of banking and financial services that consequently pursue, as their main objective, a positive contribution to the potential of all human beings to develop, today and in the future†.Benedikter (2011) defines Social Banks as â€Å"banks with a conscience†. They focus on investing in community, providing opportunities for the disadvantaged, and supporting social, environmental, and ethical agendas. Social banks try to invest their money only in endeavors that promote the greater good of society, instead of those, which generate private profit just for a few. He has also explained the main difference between mainstream banks and social banks that mainstream banks are in most cases focused solely on the principle of profit maximization whereas, social banking implements the triple principle of profi t-people-planet.Social banks care about making a profit, but equally for promoting human and environmental well-being. It is this triple principle that they follow when they decide to whom to lend money, and for what purpose. It means that social banks consider social and economic â€Å"sustainability† when making financial decisions. â€Å"Sustainable† investments and lending practices are ones that produce a better quality of life for the greatest possible amount of people, and whose effects endure over time and continue to produce a multiplicity of positive effects long after the initial investment.Now-a-days, social banks are becoming cultural power as social banking includes the concepts of humane and humanist in financial activities. * Ethical Banking: The Cooperative Bank (UK) offers its customers home energy rating on purchases of consumer durables. The purpose is to enable them to better understand how energy efficient a property is and how to make improvement s. Moreover, bank's mortgages include carbon-offset features. Every year that a customer holds a mortgage, the bank offsets a fifth of the carbon dioxide emissions arising from a typical household's energy consumption.Following customer consultation in 2003, offset money were used for reforestation in Uganda, a Bangladesh project that trains local people to build energy efficient stoves and a Bulgaria project supporting micro-hydro electricity generation. Citizens Bank (Canada) allows its customers to choose between a variety of VISA cards that benefit Oxfam Canada, Amnesty International or their philanthropic Shared Interest program by donating $0. 10 to not-for-profit initiatives worldwide every time their VISA card is used. This enabled Citizens Bank to donate thousands of dollars to Doctors.These are only a few of the wide range of services available at different ethical banks. * Agri-Banking Alston (2004) argued that international and national events like globalization, interna tional policy manipulations such as the US farm bill, and national policy, are having a major impact on agricultural production in Australia. It is more likely that these issues are acting to continue and exacerbate a trend towards reduced viability for farm families evident in economic and social trends since at least the 1950s.It was further argued that social aspects of agricultural production in Australia noting social trends and drawing attention to the changing social relations of agriculture. It was concluded that there is dominance of farm families, the role of corporate agriculture, ethnic diversity, the importance of women, and the practice of farm transfers. Punjab National Bank’s (PNB) Corporate Social Responsibility Report (2010) shows that agriculture and farmer’s related initiatives are taken by PNB increased lending to agriculture, weaker sectors and women; which results in impacting their lives through income generation.Moreover, the report shows that the Bank has established two trusts viz. , PNB Farmers Welfare Trust and PNB Centenary Rural Development Trust. These trusts are involved in running training centers which imparts training in farming and also other non-farm activities. PNB Farmers’ Welfare Trust was established in the year 2000 for welfare of the farmers, women and youth in rural areas. Under the aegis of the Trust, 8 Farmers’ Training Centers (FTCs) have been made operational at villages.Apart from this Mobile Van is being used at FTC Sacha Khera for providing off-site training on improved package & practices of agricultural crops & allied activities, soil testing and Jatropha cultivation. In addition, the van is acting as an information kiosk. * Rural Banking: Ramachandran and Swaminathan (2002) examined the effect of financial sector reform on rural banking and rural credit transactions in India. They reviewed the trends in selected indicators of rural banking at the national level over the last 30 years.Moreover, they used longitudinal data for a village in Tamil Nadu to examine changes in patterns of indebtedness and credit transactions among landless labor households. They concluded that the exploitation of landless labor households in the credit market has intensified with the introduction of financial reforms and lastly, the policy was envisaged as an alternative to the formal credit sector in the countryside. Burgess and Pande (2005) evaluated the impact of a large state-led bank branch expansion program in India on rural poverty between 1977 and 1990.They used deviations and regression analysis and found that branch expansion into rural unbanked locations in India significantly reduced rural poverty. * Global Banking: Miller, S. R. and Parkhe, A. (2002) conducted empirical test of the liability of foreignness in the global banking industry, using Fitch–IBCA Bank Scope data for the period 1989–96 and their findings strongly support the liability of foreignn ess hypothesis. Further, the data showed some evidence that the X-efficiency of a foreign-owned bank is strongly influenced by the competitiveness of its home country and the host country in which it operates.Moreover, it was found that in some environments U. S. -owned banks is more X-efficient than other foreign-owned banks in some environments, but less X-efficient in others. Mathur, N. D. (2009) has identified a visible trend that growing integration of economies and the markets around the world is making global banking a reality. The use of Internet banking has widened frontiers of Global Banking and it is now possible to market financial products and services on a global basis. Like other industries, banking has become more global. Banking stands out, however, in its legal form and reliance on cross border positions.Banks run special risks in lending abroad. McCauley, McGuire and Peter (2010) have shown that some banking systems are international in their organization while ot hers are multinational, and that the multinational model can be operated with a greater or lesser degree of centralization. While much work remains to be done in assessing the performance of various banking models during the crisis, it does appear that local assets proved more stable under stress. Cross-border claims and liabilities proved less stable. These findings hold even if account is taken of the series break represented by US securities irms becoming reporting banks, exchange rate changes and distortions from mergers and acquisitions, some of which resulted from the crisis itself. * Other Issues: Banks, usually take help of various Information Technology (IT) based channels to provide their banking and other services. For this purpose, they are in need to provide continuous and frequent information about their services. We can use IT as a strong means to fulfill our objectives social and ethical banking. The IT based banking services are as follows: Mobile Banking is a new a nd emerging concept.Large numbers of people are still not aware about usage of mobile banking. In this, one's mobile phone is used to conduct banking transactions. The popularity of Online Banking is significantly increasing day by day. It is a term used for performing various transactions, payments, and account statements etc. with the help of Internet. Relationship Managers, mostly for private banking or business banking, often visit customers at their homes or businesses. Video banking is a term used for performing banking transactions or professional banking consultations via a remote video and audio connection.Video banking can be performed via purpose built banking transaction machines (similar to an Automated teller machine), or via a Video conference enabled bank branch clarification. * 3. 4. 1 Flow Chart of conceptual derivation of Green Banking: Green Banking: There are some major concerns about environmental issues. Therefore, organization need to pay attention to their o utputs whether they are violating environmental issues or not. At Triodos Bank, it is believed that profit should not be earned at the expense of the world's most pressing environmental problems.That is why they finance organizations from organic food and farming businesses and pioneering renewable energy enterprises, to recycling companies and nature conservation projects. Citizens Bank of Canada has lowered its interest rate on loans for carbon emission cars. These kinds of efforts will surely motivate other banks to promote green banking and consequently in long run environmental issues can be resolved. Agri Banking Rural Banking Global Banking Social Banking Ethical Banking Other Issues Green Banking 3. 4. 2 Green Banking: A New Eco-Friendly Concept in Banking Arena:Green banking is a component of the global initiative by a group of stakeholders to save environment where, sustainable development has emerged as a new paradigm of development in response to the current discourse of development that over-exploits natural environment for economic prosperity. The sustainable development can best be achieved by allowing markets to work within an appropriate framework of cost efficient regulations and economic instruments. One of the major economic agents influencing overall industrial activity and economic growth is the financial institutions such as banking sector.The banking sector influences the economic growth and development in terms of both quality and quantity, there by changing the nature of economic growth. Banking sector is one of the major sources of financing investment for commercial projects which is one of the most important economic activities for economic growth. Therefore, banking sector can play a crucial role in promoting environmentally sustainable and socially responsible investment (SRI). Banks may not be the polluters themselves but they will probably have a banking relationship with some companies/investment projects that are polluters or could be in future.Banking sector is generally considered as environmental friendly in terms of emissions and pollutions. Internal environmental impact of the banking sector such as use of energy, paper and water are relatively low and clean. Environmental impact of banks is not physically related to their banking activities but with the customer’s activities. Therefore, environmental impact of bank’s external activity is huge though difficult to estimate. Moreover, environment management in the banking business is like risk management.It increases the enterprise value and lowers loss ratio as higher quality loan portfolio results in higher earnings. Thus, encouraging environmentally responsible investments and prudent lending should be one of the responsibilities of the banking sector. Further, those industries which have already become green and those, which are making serious attempts to grow green, should be accorded priority to lending by the banks. This method o f finance can be called as â€Å"Green Banking†, an effort by the banks to make the industries grow green and in the process restore the natural environment.This concept of â€Å"Green Banking† will be mutually beneficial to the banks, industries and the economy. Not only â€Å"Green Banking† will ensure the greening of the industries but it will also facilitate in improving the asset quality of the banks in future. Internationally, there is a growing concern about the role of banking and institutional investors for environmentally responsible/socially responsible investment projects. Banking and other financial institutions are more effective towards achieving this goal for the kind of intermediary role they play in any economy and for their potential reach to the number of investors.Environment is no longer the exclusive concern of the government and the direct polluters, but also the other partners and stake- holders in the business like financial institution s such as banking institutions can play a very important role in fostering linkage between economic development and environmental protection. To substantiate, quality of service, the implementation of environmental conservation measures, support to the deprived section of the society, concern about the quality of life and nature are the basic principles that the financial institutions are relying on in their business strategy in recent years.The banking operation targets a certain long-term rate of return on their credit and investment. Therefore, it is of importance to the banking sector to follow certain environmental evaluation of the projects before financing. There are studies showing positive correlation between environmental performance and financial performance (Hamilton, 1995; Hart, 1995; Blacconiere and Pattern, 1993). Thus, it is imperative for the financial institutions in the present context to consider environmental performance in deciding whether to invest in companie s or advise clients to do so.The formation of different rules for environmental management like resource conservation, clean water act, clean air act, toxic substance control act are also viewed as potentially significant contributor to the recent increase in environmental liability for banking institutions. Adoption of these principles will offer significant benefits to financial institutions, to consumers and also the stakeholders. There have been attempts to adopt sustainable development strategies from various quarters at international level.Multilateral agencies, international consortiums, multilateral financial and development institutions have been advocating for environmental standards and strategies to evaluate investment projects. In the recent years, the international organization for standardization (ISO) has issued series of comprehensive guidelines for incorporating environmental protection and pollution prevention objectives into industrial activity worldwide, known c ollectively as ISO 14000. It would certainly give the much needed impetus for the banking industry to expand the use of environmental information in their credit extension and investment decisions.In this backdrop, the paper aims to discuss the issues of sustainability in Banking and how banks can play a role for sustainable growth and development, particularly in the Bangladesh context. The state of environment in Bangladesh is rapidly deteriorating. The key areas of environmental degradation cover air pollution, water pollution and scarcity, encroachment of rivers, improper disposal of industrial medical and house-hold waste, deforestation, and loss of open space and loss of biodiversity. In addition, Bangladesh is one of the most climate change vulnerable countries.In line with global development and response to the environmental degradation, financial sector in Bangladesh should play important roles as one of the key stake holders. In response to the above, urgent measures are r equired by stake holders for sustainable development and thereby save the planet. Banks hold a unique position in an economic system that can affect production, business and other economic activities through their financing activities and thus may contribute to pollute environment. Moreover, energy and water efficiency and waste reduction are of high concern for many big banks.Green banks or environmentally responsible banks do not only improve their own standards but also affect socially responsible behavior of other business. 3. 4. 4 Green Banking & Environmental Risk Management Interrelationship: 3. 4. 3 Green Banking & Sustainable Growth: Sustainable development meets the need of present generation without compromising the ability of future generation to meet their own needs. The key to sustainable development is to ensure broad-based inclusive economic growth, with: * Promotion of natural resources; Preservation of regenerating capacity of ecological system; * Avoidance of envi ronmental risks on future generations. Banking sector can play an intermediary role between economic development and environmental protection. Green Banking & Environmental Risk Management (ERM) move together to care for: * Environmental problems * Poverty & environment * High consumption patterns * Health and environment * Moral obligation 3. 4. 6 Scope of Green Banking: 3. 4. 5 Purpose of Green Banking:The purpose of Green Banking Policy will be to ensure necessary measures to protect environmental pollution while providing service or financing customers as well as to improve in-house environment management through efficient use of various resources at Head Office, Branches and other link offices. This policy document will be applicable for issues related to Green Banking with respect to activities of the Bank and its customers that have impact on the environment. 3. 4. 7 Benefits of Green Banking: Apart from enrichment of the external environment, Green Banking may also help impr ove the performance of the Bank in the following ways: Basically Ethical (Green) banking avoids as much paper work as possible and rely on online/electronic transactions for processing so that you get green credit cards and green mortgages. Less paperwork means less cutting of trees. * Creating awareness to business people about environmental and social responsibility enabling them to do an environmental friendly business practice. * Green (Ethical) banks adopt and implement environmental standards for lending, which is really a proactive idea that would enable eco-friendly business practices which would benefit our future generations. When you are awarded with a loan, the interest of that loan is comparatively less with normal banks because ethical banks give more importance to environmental friendly factors – ecological gains. Natural resources conservation is also one of the underlying principles in a green bank while assessing capital/operating loans to extracting/industr ial business sector. * Improve the image of the Bank by showing and serving its commitment to the environment. * Significantly reduce operational cost due to less consumption of office stationeries, energy and water. Enhance productivity as well as efficiency of the employees through skilled & optimum usage of technology. * Reduce possible health hazards by installing eco-friendly equipments. * Save significant portion of Forestry by reducing paper usage * Lessen emission of Green House Gases (GHGs) through making less corporate travelling through teleconferencing as well as arranging transport pool for the employees. * Help develop customer’s consciousness on environment by arranging awareness development program * Reduce the extent of Non-Performing Loans (NPLs) if investment goes to less risky projectsThe Initiatives for Promoting Green Banking: 4. 1 Ethical Initiatives and Community Involvement: Numerous banks (as well as some conventional banks) create initiates that all ow the banker to contribute to organizations that have positive societal environmental impacts either in the local community or in developing countries. For example the Cooperative Bank (UK) offers customers â€Å"a free Home Energy Rating on all house purchases, enabling them to better understand how energy efficient a property is and how to make improvements. Additionally, all of the bank's mortgages include carbon-offset features.Every year that a customer holds a mortgage the bank offsets a fifth of the carbon dioxide emissions arising from a typical household’s energy consumption following customer consultation 2003 offset monies were used for reforestation in Uganda, a Bangladesh project which trains local people to build energy efficient stoves and a Bulgaria project supporting micro-hydro electricity generation. Whereas the Citizens Bank (Canada) allows its customers to choose between a variety of VISA cards that benefit Oxfam Canada Amnesty International or their ph ilanthropic Shared interest program by donating $0. 0 to non-for-profit initiatives worldwide every time their VISA card is used. This enabled Citizens Bank to donate $24,800 to Doctors without Borders/ Medicines Sans Frontiers in 2007. These are only a few of the wide range of services available at different ethical banks. Many also have lower interest loans for low emission cars (ex. of low emission car initiative put forth by citizens Bank). Ethical banks excel in community involvement, as do other financial instructions such as credit unions. Community involvement is not limited to ethical banks as conventional banks also partake in such actions.The following are a few examples of community involvement done by ethical banks, credit unions, and conventional banks: * Affordable housing projects (ex. Van city ; Citizens bank) * Many banks/credit unions try to increase financial literacy and consciousness for environment in the community * Financially support community events (for e x. each year TD Canada trust donates to a local cause). The role of Green banking in Environmental Management. The world has seen much focus on economic progress and mankind has made giant steps in its journey through time.The side effects of the development process have’ however, also been equally enormous-loss of biodiversity' climatic change' environmental damage, etc. Social issues such as, poverty alleviation have also become more important as the world has progressed economically’ Banks play an important role in development of an economy. The economic reforms totally have changed the banking sector. The banking sector forming a portion of the financial sector primarily works as a financial intermediary generating money supply.The banks should go green and play a pro-active role to take environmental and ecological aspects as part of their lending principle, which would force industries to go for mandated investment for environmental management' use of appropriate technologies and management systems. Banks that are serious about sustainable development put principles at the heart of decision-making' Fundamental issues such as how deals are done and loans are made, in searching proactively for opportunities and even in establishing and adhering to policy frameworks that deliberately preclude involvement in certain investments.For example, an investment in a factory that pollutes heavily (and passes on the costs to the society at large) will generally have a higher financial rate of return than a factory that invests in expensive pollution control technology' as a result showing a lower rate of return. A Green Banking movement such as less paper is good for the environment where Customers make paper less deposits, withdrawals and remittances. Going green through I. No paper statements (statements and charges summaries will be delivered electronically Via Internet Banking) II.Fewer letters to open (Bank will call or email us for service reasons wherever possible rather than write to us) III. No cheque book or paying-in book for our current account. IV. No paper-based marketing. The Bank can concentrate on Nature and environment by projects in the field of renewable energy (wind energy & hydro-electric projects), organic agriculture across the entire value chain including health food shops and environment technology such as recycling companies and nature conservation projects.As environmental issues gain greater attention, pressures are being placed on all industries, including financial services, to implement â€Å"green† initiatives. Like Resource conservation through cash recycling, double-sided statement print-outs’ electro mobility. 4. 2 International Initiatives for Green Banking: The financial sector’s glowing adherence to environmental management system is attributed to the direct and indirect pressures from international and local Non-Governmental Organizations (NGOs), multilateral agencies an d in some cases the market through consumers.In the early 1990s, the United Nations Environment Program (UNEP) launched what is now known as the UNEP Finance initiative (UNEPFI). Some 200 financial institutions around the globe are signatories of this initiative statement to promote sustainable development living the framework of market mechanisms toward common environmental goals. The objective is to integrate the environmental and social dimension to the financial performance and risk associated with it in the financial sector.As the commitment of this UNEPFI statement goes, sustainable development is regarded basic to the sound business management. It advocates for a precautionary approach towards environmental management and suggests integrating environmental considerations into the regular business operations, asset management, and other business decisions of the banks. IFC's environmental unit was established in 1991 for reviewing each project for environmental assessment.Simi larly, the US Export-Import Bank regularly reviews while financing exports on the ground whether they are environmentally sound. It will be noteworthy to mention that Netherland-based ABN-Amro bank has developed certain Reputational Risk Management (RRM) policies to identify, asses and mange non-financial present within it business engagements- Similarly, some of the big international banks like ABN Amro, Deutsche, Standard Chartered, HSBC Bank etc. look at environment issues discussed under Kyoto Protocol.Going further, the Dutch Government has made a formal request to barks in achieving sustainable development. The dialogue between banks and government was established in 1999 to initiate policies for environmental improvements through the development of new financial products and services. Similarly, Earth (FOE) and the Rainforest Action Network (RAN) challenged the industry with high-profile campaign that highlighted cases in which commercial banks were -bankrolling disasters in 2000 in the US.In 2002, a global coalition of NGOs formed a network named Bank Tract’ to promote sustainable finance in the commercial sector. This coalition came up with a resolution constituting six principles promoting environmental protection and social justice by banks and this is popularly known as â€Å"Collevecchio Declaration†. The six principles that this declaration advocated included commitments to sustainability no-harm responsibility, accountability, transparency and sustainable market, and governance.More than 200 organizations have endorsed this declaration and urged the banks to incorporate these commitments into their business operation The declaration states that -Finance and Commerce has been at the center of a historic detachment between the world's natural resource base, production and consumption. As we reach the boundaries of ecological boundaries of the ecological limit upon which all commerce relies, the financial sector should take its share of responsibility for reversing the effects this detachment has produced.All these concerns for sustainable finance or green finance have compelled the banking institutions to devise a common and coherent set of environmental and social policies and guidelines that can be used to evaluate the projects. A small group of banks along with IFC carne together to initiate the process of designing the common guidelines in October 2002 and came up with a guidelines in June 2003 that is known as Equator Principles with 10 leading commercial banks adopting these voluntary set of principles.This equator principle was subsequently updated and the new revised sets of principles are hunched in July 2006. The coverage of projects being financed is expanded in this revised set of principles by lowering the finance threshold from $50 million to $10 million presently 46 financial institutions from 16 countries with business operation in more than 100 countries have embraced this equator principle, So this principle has become a common standard of project finance that imported environmental and social issues in project finance.The activities of the equator banks (banks adopting equator principles) are being reviewed by NGOs worldwide and are being published whenever it is realized that they are not committed to Equator Principle. IFC along with the Financial Times has initiated Sustainable Banking Award' since 2006. More than 104 financial institutions out of 151 entries from 51 countries have made it to the final lists of award 2007. The number of banks applying was up by more than 100 percent compared to the previous year’s 48 banks from 28 countries.All the international initiatives towards integrating environmental concerns into business operation of banks are voluntary in nature and are meant to a common good of a better ecosystem Voluntary commitment has its own shortcoming in a competitive market. Unless the market for green money will increase, the lenders will al ways have an incentive to increase their social commitment and prioritize the commercial interest in the short run. So demand for green money is a precondition of green banking if it will be voluntary.A Government legislation that makes banks accountable for the misdeeds of their clients will help promotes green banking. 4. 2. 1 Global initiatives: Durban Climate Conference: Governments agreed to adopt a universal legal agreement on climate change by 2015. Key Decisions: * Green Climate Fund to be made available to developing countries by 2012. * Adaptive capacities of the poorest and most vulnerable countries to be strengthened. * Technology Mechanism to become fully operational by 2012. * Web-based registration of developing country mitigation actions seeking financial support. . 3 Domestic Initiatives for Green Banking: : Though be late, Bangladesh is now aware that global warming is an issue that calls for a global response. The rapid change in climate will be too great to allow many eco-systems to suitably adapt, since the change have direct impact on biodiversity, agriculture, forestry, dry land, water resources and human health. Due to unusual weather pattern, rising greenhouse gas, declining air quality etc. society demands that business also take responsibility in safeguarding the planet.Green finance as a part of Green Banking makes great contribution to the transition to resource-efficient and low carbon industries i. e. green industry and green economy in general. Green banking is a component of the global initiative by a group of stakeholders to save environment. The state of environment in Bangladesh is rapidly deteriorating. The key areas of environmental degradation cover air pollution, water pollution and scarcity, encroachment of rivers, improper disposal of industrial medical and house-hold waste, deforestation and loss of open spaces and loss of biodiversity.In addition, Bangladesh is one of the most climate change vulnerable countries. In line with global ; development and response to the environmental degradation, financial sector in Bangladesh can play important roles as one of the key stake holders. In response to the above, urgent measures are required by stakeholders for sustainable development and thereby save the planet. Banks hold a unique position in an economic system that can affect production, business and other economic activities though their financing activities and thus may contribute to protect environment.Moreover, energy and water efficiency and waste reduction are of high concern for many big banks- Green banks or environmentally responsible banks do not only improve their own standards but also affect socially responsible behavior of other business. 4. 3. 1 Bangladesh Bank's Earlier Initiatives: Bangladesh Bank (BB) is well aware of the environmental degradation situation as mentioned above and has already given time to time directions to all scheduled banks.Commercial Banks are now required to e nsure necessary measures to protect environmental pollution while financing a new project or providing working capital to the existing enterprises. Banks have been advised to facilitate their clients with utmost care in opening Letter of Credit (L/C) for installation of Effluent Treatment Plant (ETP) in the industrial units. Banks have been advised to finance in Solar Energy, Bio-gas, ETP and Hybrid Hoffman Kiln (HHK) in brick field under refinance program of BB.A comprehensive guideline on Corporate Social Responsibility (CSR) has been issued where banks have been asked to concentrate hard on linking CSR at their highest corporate level for ingraining environmentally and socially responsible practices and engaging with borrowers in scrutiny of the environmental and social impacts. Banks have been brought under the purview of E-commerce with a view to providing the customers with online-banking facilities covering payments of utility bills, money transfer and transactions in local c urrency through internet as well.Considering the adverse effects of Climate Change, banks have been advised to be cautious about the adverse impact of natural calamities and encourage the farmers to cultivate salinity resistant crops in the salty areas, water resistant crops in the water locked and flood prone areas, drought resistant crops in the drought prone areas, using surface water instead of underground water for irrigation and also using organic fertilizer, insecticides by natural means instead of using chemical fertilizer and pesticides. 4. 3. 2 Commercial Banks’ Attention to Green Banking:Bangladesh Bank governor urged the chief executive officers of the country’s banks to pay attention to green banking, by investing in energy efficiency and renewable energy projects. Central bank has a fund named -Renewable Energy Fund. Only two banks have so far taken the opportunities offered by the fund. The central bank governor made the request at the launching ceremony of the Environmental Risk management Guidelines. BB urged the banks and financial institutions to keep climate change and environmental considerations as priorities in their activities.The Impact of a deteriorating climate on financial institutions and business enterprise have driven the creation of the Environmental Risk Management Guidelines, encouraging banks and FIs to adopt risk management practices to safe guard against these inevitable environmental concerns. Detailed guidelines on green banking were Issued on February 27,2011 in which banks have been advised to give more emphasis to help environment by eliminating paper uses saving gas and carbon emissions, and reducing printing costs and postage expenses.Banks shall comply with the instructions stipulated in the detailed guidelines on Environmental Risk Management in consideration of a part of the Green Banking Policy. The comprehensive guidelines were developed by Bangladesh Bank in collaboration with IFC and with input f rom Bankers Association of Bangladesh and financial sector stakeholders and have been issued to all financial institutions in the country. The Major Area & Products of Green Banking 5. 1 The Major Areas of Green Banking: : Green banking can benefit the environment either by reducing the carbon footprint of consumers or banks.Either a bank or a consumer can conserve paper and benefit the environment. Ideally, a green banking initiative will involve both. Online banking is an example of this. When a bank’s customers go online, the environmental benefits work both ways. Other examples of what Green Bank Report considers forms of green banking on the consumer side include: * Green Deposits: Banks can offer higher rates on CDs, money market accounts, checking accounts and savings account if customers opt to conduct their banking activities online. Green Checking – converting checking accounts to online banking * Green Money Market Accounts – converting savings accoun ts to online banking * Green CDs – bonus rates for online banking * Green