Youth violence Essay Example

Youth violence Essay Young person force is increasing and rapidly going one of the major concerns in American today. Frequent young person force can be found at schoolyard, at place, outside, and everyplace in the community. Why do nt people inquire themselves what is doing the young person today so violent, and is at that place anything they can make to halt this tendency? Youth force is a serious issue, and there are many factors that contribute to youth force ; they are domestic force, negative media and packs. The truth is if a kid grows up in an unhealthy family so there will more opportunities for he or she to turn up to be a violent individual. Every twenty-four hours, a kid witnesses an act of force non merely on telecasting, but besides in their ain place, from their parents. A place is supposed to be a safe topographic point where kids larn how to love and associate to others. However, if they normally see force in their parent s relationship, they would presume that all relationship is ever filled with force. As a consequence, they look at their parents and think they have the right to make that excessively, so they will non care what parents have to state to them and merely acquire thoughts from the streets which are non good. That is why they are dropping out of school and merely hanging out with their friends, which merely brings them into problem, lead to force. We will write a custom essay sample on Youth violence specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Youth violence specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Youth violence specifically for you FOR ONLY $16.38 $13.9/page Hire Writer How force in the media contributes to the many other factors that lead to violent and aggressive behaviour in young person? Most of the force is directed chiefly many kids and striplings. However, non every child who partakes of violent Television shows, films or picture games will go a violent felon. Two common effects from media are imitation and fright. Today s young person are invariably surrounded by important Acts of the Apostless of force on Television, in films, and in video games. Many experts in instruction and psychological science believe that kids are moving out what they see. The Acts of the Apostless can easy be reacted due to changeless exposure. For many kids, Television and picture games have become their primary function theoretical accounts. Unless parents and instructors take the clip and duty to learn kids respectful values, they will larn job resolution, get bying accomplishments and struggle declaration from video function theoretical accounts. Another consequ ence is they would be fear from watching unrated films. Some films that are meant for grownups can be rather chilling for younger childs, which can do jobs subsequently on in the socialisation procedure. The last common ground that causes youth force is packs. There are many of adolescents in pack, who come from bad friends, friends in pack. The lone thing they want when articulation there is merely to turn out them, to be cool ; even they have to contend or kill person to acquire in it the pack. That is why they are ever ready to make stupid things without believing about the consequences, merely to allow their friends know that they are moving like a hero, a large brother in their group. Another ground is they are ever believing that they are lonely in this universe, they have to make everything to last and their pack friends are merely people, who they can make everything and dice for. For illustration, there was a hideous shot in a Vietnamese eating house a few months ago. A immature cat came into the eating house, and so he killed all the people around a tabular array in the corner. The ground of his action was he hated a cat in the group of those people. The list of lending factors to violent behaviour in young persons is neer stoping. One thing that the society should retrieve though is that non merely one individual factor can be linked to youth force. To forestall young person force enlarge, non merely an single bash, but the society besides has some duty to it. For illustration, the society should restrict games and pictures that have many violent scenes ; parents should take attention of their childs much more than at the present.

Not An Umlaut

Not An Umlaut Not An Umlaut Not An Umlaut By Maeve Maddox A reader has posed a question about a mark he noticed in The New Yorker: In a recent copy of The New Yorker the word reà «lection appeared with an umlaut over the second e. I had not seen the umlaut used that way before.    Is the umlaut making a comeback?   Should it also be used in similar situations such as realignment, or reengineer or deescalate?   Or is the hyphen more appropriate?   Or nothing? Or is The New Yorker just being, well NewYorkerish? I’ll answer the last question first: Yes, The New Yorker is being â€Å"NewYorkerish.† The use of the two-dot diacritical mark in words like reà «lect is a notable feature of the magazine’s house style. Other publications are prone to ridicule this use. As for the question â€Å"Is the umlaut making a comeback?† I’ll have to contradict the reader’s use of the word umlaut in reference to the two dots in the word reà «lection. An umlaut is a diacritical mark characteristic of German. It indicates pronunciation. For example, the u in the German words à ¼ber, â€Å"over,† and unter, â€Å"under,† are not pronounced the same. The umlaut in à ¼ber alerts the reader to a vowel sound that differs from the unrounded sound in unter. The word umlaut combines German um, â€Å"about,† and laut, â€Å"sound.† Used with English words, the two-dot diacritical mark has a different name and a different function. In English, it’s called a diaeresis, and its usual function is to alert the reader to the fact that two vowels written side by side are not to be pronounced together as a diphthong, but separately, as distinct vowels. The source of the word diaeresis is a Greek verb meaning â€Å"to divide.† A diaeresis tells us to divide two vowels. Note: The first spelling in both the OED and Merriam-Webster is diaeresis; the spelling dieresis is given â€Å"also† status. Charles Elster (The Big Book of Beastly Mispronunciations) prefers the spelling dieresis, because it eliminates the conglomeration of vowel letters and because his preferred pronunciation is [dy-ER-uh-sis]. He offers the secondary pronunciation [dy-AIR-uh-sis, which is the first pronunciation given in the OED. Speakers acquainted with literature, art, music, and astronomy encounter the diaeresis in such classical names as the following: Danaà « Laà «rtes Pasiphaà « Aà ¯da Laocoà ¶n Boà ¶tes Two common words that some speakers still write with a diaeresis are Noà «l and daà ¯s, and the diaeresis occurs in the name of the writer Anaà ¯s Nin. The diaeresis is also seen in English above vowels that occur at the end of certain proper names. This use indicates that the final vowel, usually e, is not silent. For example: Brontà « [BRON-tee], Zoà « [ZO-ee], Chloà «, [KLO-ee], Bettà « [BET-ee]. On the assumption that readers â€Å"know† how to pronounce these names, people write them without the diaeresis. However, in these days of superficial English teaching, one mustn’t assume. I’ve heard adults pronounce the name Zoe to rhyme with toe. I’ve heard a young teacher pronounce the surname of writing sisters Charlotte, Emily, and Anne as a one-syllable word. The New Yorker’s use of the diaresesis to separate standard prefixes in words like reà «lection is silly. That’s what hyphens are for. The use of the diaeresis to clarify the pronunciation of words like daà ¯s, Noà «l, Brontà «, and Zoà «, on the other hand, is well worth a comeback. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Punctuation category, check our popular posts, or choose a related post below:70 Idioms with HeartAmong vs. AmongstParataxis and Hypotaxis

Compair 3 journal articals about WWII Essay Example | Topics and Well Written Essays - 1000 words

Compair 3 journal articals about WWII - Essay Example rld War II† by Susan Smith in 2008, â€Å"Ethics and Airpower in WWII† by Phillip Mellinger in 1994, and â€Å"Moral Ambiguities of the Bombing of Monte Cassino† by Uwe Steenhoff in 2005. During World War II, 60,000 American soldiers were part of the Mustard Gas experiments performed by American Scientists (Smith, 2008).The reason was to prepare America’s troops for chemical warfare. One of the questions during the experimentation was whether or not there was a difference in reaction to mustard gas by different races. These scientists were every day ethical people, but they slipped into this method of experimentation. They felt that it was important in the service of their country. Soldiers felt it was their patriotic duty to participate though most were harassed into volunteering. The United States felt it needed the information to know how to react should the enemy use mustard gas and how to assure that the enemy died, should they have to use it (Smith, 2008). Veterans describe this as a horrible experience and felt that they were never warned about the level of suffering that could occur from this exposure (Smith, 2008). Mustard gas causes severe pain and these men suffered immediate eye and skin injury with blisters all over their bodies. The long term effects for many turned out to be cancer, asthma, emphysema, and blindness. Was this testing ethical? The British bombed many civilian sectors of Germany during World War II. Many great cities were bombed. There are those that believe that this bombing was unethical and immoral. There are those that would argue that any bombing at the time of civilian areas or any other was not only moral but ethical (Garrett, 1994). Garrett, (1994) believes that it was an immoral act. He also believes our own bombing of the Japanese cities with the A-bomb during the same war was immoral and unethical. Was it? Why do we struggle with the ethical viewpoint in this type of case? Monte Cassino was a monastery in World War II.

Nursing mentors Essay Example | Topics and Well Written Essays - 2000 words

Nursing mentors - Essay Example Therefore, sign off-mentors must undertake preparation program to meet the requirements to determine whether students the competencies required by NMC during sign-off. The nursing and midwifery professions involve handling patients in delicate situations. Thus, it is essential to have professionals with competence and efficiency in handling patients through the required abilities and skills. During the practice, students are expected to gain competencies through the NMC programs or standards. The program ensures they deliver the required services effectively and competently in their nursing profession without the necessity of direct supervision. Nonetheless, it is the role of the sign off mentors to ensure that students ascribe to these competencies. Mentors are provided with necessary support and framework to ensure that they efficiently assess students in order to ascertain their knowledge and skills. The students often undertake NMC approved programs to ensure that they are regist ered as qualified professionals. These processes determine that only qualified and competent nurses whoa are fit for practices are introduced into the professional field. The main aim of these competence testing and practices are to ensure that the public is protected from unnecessary damage orchestrated by incompetent nurses without sufficient competencies for practice (Burton and Ormrod, 2011, p.78). The NMC has also given the mandate to sign-off mentors to ensure that students being released for professional practice are competently assessed. For competent assessment, mentors are required to be part of the inter-professional learning and working. This enables them to undertake an effective confirmation of the students’ achievement of proficiency The students on their last placement require the sign-off mentors for their accountability towards supporting and determining the pre-registration of the nursing students. It is because of this that the sign-off mentors are require d to achieve certain criteria and must demonstrate the competence. The role of the sign-off mentors is also complimented by that of the student mentors in the NMC program. This body is responsible for not only confirming but also helping the students gain a breadth of experience in the process of demonstrating competence as either midwife or a nurse. According to the NMC, there are certain progression points where a student may not undertake but only the most qualified students. Therefore, they need to assess and confirmed if students have undoubtedly achieved the expected outcomes or met the competency level of the previous program is quite vital in the practice. Effective implementation can only be achieved if the mentors keep adequate and relevant records that appropriately help as supporting documents for them to identify whether or not a student has obtained adequate competence or proficiency. The some records should help towards promoting the students to the next program. Reco rds for guidance and regular feedback must be adhered to in order to support and justify the decisions in determination of proficiency or competence (Burton and Ormrod, 2011, p.105). Signing-off mentors often assist in investigating the health of the nurses or the midwives during the pre-registration process. This ensures that the health of these health providers do not interfere with the health of patients to be served by the same people. Nonetheless, the process sometimes also includes determining the

Product Reliability Essay Example | Topics and Well Written Essays - 500 words

Product Reliability - Essay Example The design consideration includes all those conditions necessary to be taken into account while manufacturing the product. Its feasibility, compatibility, the costs of components, the maintenance costs and various other factors that make a design a success. Product success also relies on the sample/ pilot tests. Pilot tests help saving large amount of costs which might be incurred on correction and delays in projects. Increasing reliability requires improved and professional working, resources availability, skilled labor and manufacturing plants and machines. Raheja et.al in their study focus on the tools and techniques that can help creating an effective product with improved reliability. It also provides details about how to avoid failures and poor products outputs. Since the poor product production is directly related to the loss in sales, and customer trust in the company. Their study sheds light on the human safety factor since the designs in heavy machine industry demand human safety from an ergonomic view point. Tooley et.al In their study focus on the possible glitches and obstacles that might confront the design and manufacturing process. The role of suitable raw material to be used and their possible impact on the overall design and end product. Their study also highlight the importance of creativity and innovation in the product designing. Various design products and raw materials will have different costs attached to them and would result in different net output at the end of entire product design. Bernard et.al in their study focus on the modern means of manufacturing and increasing the product reliability. The global methods of designs have certainly improved with time as a result they have introduced new concepts in the designing world that have more promise to them in regard of product reliability. Finally Pfeifer et.al in their study highlight the impact the material choice can have on

The Concept Of Microfinance

The Concept Of Microfinance In the recent years, most of the countries across the globe are in a sweeping mood to promote microfinance not only as a positive rural development intervention but also as a rural development panacea. As a result, the developmental economists in underdeveloped and developing economies have increasingly become enthusiastic in promotion and development of microfinance as one of the rural development initiatives. The purpose of such an initiative is to promote the welfare of the society as a whole by targeting the most talked developmental objectives of poverty alleviation (Shah,2008) and balanced regional development (Barman et al. , 2009). Micro-finance today though has become one of the most debated topics but it is a much confused buzzword among the bankers and the policy makers. Micro-finance is more than just a word as it has much wider meaning and implications. It is an instrument and a tool that has power to collectively address poverty, empower the socially poor, address gender issues and thereby strengthen the society as a whole. Micro-finance has therefore emerged as a powerful mechanism which ensures the social and economic empowerment of poor (Sriram, 2004). Concept of Microfinance Microfinance, according to McGuire and Conroy (2000), is the provision of financial services, primarily savings and credit, to poor households that do not have access to formal financial institutions. The Task Force on Supportive Policy and Regulatory Framework for Microfinance set up by NABARD in November 1998 defined microfinance as the provision of thrift, credit and other financial services and products of very small amounts to the poor in rural, semi urban or urban areas, for enabling them to raise their income levels and improve living standards (Sharma, 2001; Reddy, 2005, Reji, 2009). These financial services, according to Satish (2005) and Dasgupta (2006), generally include deposits, loans, payment services, money transfers, and insurance to poor and low income households and their microenterprises. However, the expression microfinance according to Torre and Vento (2006) denotes offering the financial services to Zero or low income beneficiaries. Wanchoo (2007) defines microfinance as any activity that includes the provision of financial services such as credit, savings, and insurance to low income individuals who either fall below the nationally defined poverty line or fall just above that, with the goal of creating social value. The creation of social value means making efforts in direction of eradication of poverty, improving livelihood opportunities for the poor through the provision of capital for micro-enterprise, promotion of savings for poor so that current problems and future risks can be minimized. However, how much below or above the poverty line has not been defined anywhere in the literature so far. Arabi (2009) and Satish (2005) defines microfinance as small scale financial services primarily credit and deposits that are provided to people who farm, fish or herd and adds that it operates small or microenterprises both in urban and rural areas. According to Dinesha and Jayasheela (2009), these financial services are provided by financial institutions to the poor to meet their normal financial needs life cycle, economic opportunity and emergency. In the words of Dhandapani (2009) microfinance means extension of small loans to the poor, especially women to start business, invest in self employment works with the aim to increase their income and standard of living. As per the definition of Nagayya and Rao (2009), microfinance refers to entire range of financial and non-financial services including skill upgradation and entrepreneurial development of poor. Sehrawat etal. (2011) however, defines microfinance as a financial service provided by financial institutions to the poor which may include savings, credit, insurance, leasing, money transfer, equity transaction, etc. to meet their normal financial needs like life cycle, economic opportunity and emergency. In short, it can be said that the concept of microfinance involves Banking for the poor and Banking with the poor. Such banking initiatives open doors of finance for destitute and underprivileged people who otherwise do not have access to finance from formal financial sources due to lack of collateral security (Nagayya and Rao, 2009; Barman et al. 2009). Microfinance targets the poorest segment of clients. They are self-employed and household-based entrepreneurs. Their diverse micro-enterprise includes small retail shops, street vending, artisanal manufacture, etc. Components of Microfinance (Microfinance vs Microcredit) The term `microfinance and `microcredit are often used interchangeably but in reality there is the difference between the two. Microcredit is the extension of small loans to entrepreneurs too poor to qualify for traditional bank loans. Microfinance is a broader concept encompassing not only the extension of credit to the poor, but also the provision of other financial services like savings, cash withdrawals and insurance (Dasgupta, 2006; Nagayya and Rao, 2009). Microcredit is the component of microfinance. There are four components of microfinance: Microcredit: It is a small amount of money lent to a client by a bank or other institution. Microcredit can be offered, often without collateral, to an individual or through group lending. The purpose of such a loan is to provide credit to those who require it. Microsavings: These are small sums of money that allow poor people to save small amounts of money for future use. These saving accounts are often without minimum balance requirements. It helps low households to save in order to meet unexpected expenses and plan for future investments. These are the means of collateral to microcredit (Sinha, 2005). Microinsurance: It is an economic instrument characterised by low premium designed to service low income people not served by typical social or commercial insurance schemes and helps in mitigating risks affecting property and health (Khandelwal A.K., 2007). Remittances: These are transfers of funds from people in one place to people in another, usually across borders to family and friends (Khandelwal A.K., 2007). The Rise of Microfinance Movement / the Beginnings of Microfinance The concept of Microfinance is not new as it has had its prevalence in the long past. The imprints of microfinance can be traced back to Indonesia which points towards the formation of Indonesian Peoples Credit Banks which were set up in 1895 and which had close to 9000 units. Later, efforts were made to bring about revolution in Pakistan (now Bangladesh) by Akhtar Hameed Khan in 1959 in form of formation of Academy for Rural Development (Khandelwal, 2007). In the late 1970s, the economists round the world recognised that poor lack access to financial services (McGuire and Conroy, 2000; Tiwari and Fahad,1997 ; Barman et al., 2009). From this developed a new emphasis on establishing better financial systems which could direct credit to poor clients on a more sustainable basis than had been possible under previous discredited schemes of directed credit (McGuire and Conroy, 2000). At that time, Professor Muhammad Yunus popularised the concept of microloans as he believed that peace prevails only when hunger is quelled (Shetty and Veershekharappa, 2009). He started Grammeen Bank in 1976 in the outskirts of Chittagong University campus in the village of Jobra, Bangladesh with only a meagre amount of $27 as loan and made it a target to grant loans to the poorest of the poor. He felt concerned for the miserable landless women who were labouring for other people. He reasoned that if these women could work for themselves instead of working for others, they could retain much of the surplus generated by their labours, currently enjoyed by others. He started giving loans to even beggars. He was also of the view that if beggars can go to houses for getting money, they can go to houses to sell a product also. The Grameen Bank lending procedures are simple and effective. The first and foremost step in receipt of credit is the formation of the group of five members that gather once a week for loan repayment (Dasgupta, 2001). Loans are initially made to two individuals in the group, who are then under pressure from the rest of the members to repay in good time. The borrower has to repay the loan in weekly instalments spread over a year. The functioning of Grameen Bank also involves enchanting of 16 Decisions at the start of their weekly session. These decisions include production of fruits and vegetables in kitchen gardens, investment for improvement of housing and education for children, use of latrines and safe drinking water for better health, rejection of dowry in marriages etc. Although observance of these decisions is not mandatory, in actual practice it has become a requirement for receiving a loan (Tiwari and Fahad, 1997). In order to promote thrift habit, it is compulsory for every member to save one Taka per week which is accumulated in the Group Fund. This account is managed by the group. The amount in the Fund is deposited with Grameen Bank and earns interest. A member can borrow from this fund for consumption, sickness, social ceremony or even for investment (if allowed by all group members). In case of default in repayment or failure to attend meetings, the defaulters may be charged with a fine or may be expelled. The members are free to leave the group before the loan is fully repaid; however, the responsibility to pay the balance falls on the remaining group members. Some of the key strategies adopted by the Grameen Bank are listed below: I) There is an exclusive focus on the poorest of the poor. This is exclusivity ensured by: establishing clearly the eligibility criteria for selection of targeted clientele and adopting practical measures to screen out those who do not meet them. in delivering credit, priority has been increasingly assigned to women. the delivery system is geared to meet the diverse socio-economic development needs of the poor. 2) Borrowers are organized into small homogeneous groups. Such characteristics facilitate group solidarity as well as participatory interaction. Organizing the primary groups of five members and federating them into centers. The Centers are functionally linked to the Grameen Bank, whose field workers have to attend Centre meetings every week. 3) Special loan conditions which are particularly suitable for the poor. These include: a) very small amounts of loans given without any collateral b) loans repayable in weekly instalments spread over a year c) eligibility for a subsequent loan depends upon repayment of first loan d) individual, self-chosen, quick income-generating activities which employ the skills that harrowers already posses. e) close supervision of credit by the group f) stress on collective borrower responsibility or peer pressure g) special safeguards through compulsory and voluntary savings to minimize the risks that the poor confront. h) Undertaking of social development agenda addressing basic needs of the clientele. This is reflected in the sixteen decisions adopted by Grameen borrowers. Thus, the lending operations of Grameeen Bank include the use of group guarantees, inculcating compulsory savings habit and transparency of credit transactions (Mcguire and Conroy, 2000). A still more interesting feature is the ingenious manner of grant of credit without any collateral security. The availability of lending outlets near the clients, simple application procedures, and quick disbursement of loans are the special techniques to ensure good repayment rates (Tiwari and Fahad,1997 ). The Grameen Bank is now lending loan size of $ 800 million a year with an average loan size of almost $130, the bank has 7 million borrowers, 97 percent of them are women and an unmatched repayment rate of 98 percent(Tiwari and Fahad,1997 ; Singh and Kumar,2008). The microloans not only helped the poor in getting finance in Bangladesh and facilitated the lives of millions of poor but also earned Muhammad Yunus a Nobel Prize in the year 2006. Evolution of microfinance in India The Grameen Bank model of microfinance based on joint liability of members has received wide international appeal and popularity in numerous emerging economies like India. In fact the developing economies have even tried to replicate these models for developing small scale business and reducing poverty levels (Jha, 2002; Idolor and Imhanlahimi, 2011). The evolution of Indian MF can be broadly divided into four distinct phases: Phase 1: The Cooperative Movement (1900-1960) During this phase, there was dominance of two sources of credit viz. institutional sources and non-institutional sources. The non institutional sources catered to 93 percent of credit requirement in the year 1951-52 and institutional sources accounted to 7 percent of total credit requirements pertaining to that year. The preponderance of informal sources of credit was due to provision of loans for both productive and non productive purposes as well as for short term and long term purposes and simple procedures of lending adopted. But they involved several malpractices like charging high rates of interest, denial of repayment, misappropriation of collaterals, etc. At that time, government considered cooperatives as an instrument of economic development of disadvantaged masses. The credit cooperatives were vehicles to extend subsidized credit to poor under government sponsorship. They were characterized as non exploitative, voluntary membership and decentralized decision making. The Primary Agricultural societies (PACS) provide mainly short term and medium term loans and Land Development Banks provide long term loans as a part of cooperative movement. Phase 2: Subsidized Social Banking (1960s 1990) It was observed that cooperatives could not do much as was expected of them. With failure of cooperatives, All India Rural Credit Survey Committee in 1969 emphasized the adoption of Multiagency Approach to Institutional Credit which assigned an important role to the commercial banks in addition to cooperatives. Even Indian planners in fifth five year plan (1974-79), emphasised Garibi Hatao (Removal of poverty) and the growth with social justice. It was due to this approach that in 1969, 14 leading banks were nationalized and later on five regional rural banks were set up for the purpose on October 2, 1975 at Moradabad and Gorakhpur in Uttar Pradesh, Bhiwani in Haryana ,Jaipur in Rajasthan and Malda in West Bengal. Hence, as a result of Multiagency approach and other planning initiatives, Government focused on measures such as nationalization of Banks (Shetty and Veerashekharappa, 2009; Sriram, 2005), expansion of rural branch networks, establishment of Regional Rural Banks (RRBs) and the setting up of apex institutions such as the National Bank for Agriculture and Rural Development (NABARD) and the Small Scale Industries Development Bank of India (SIDBI). The Reserve Bank of India (RBI) as the central bank of the country played a crucial role by giving overall direction for providing credit and financial support to national bank for its operations. Therefore, after the multiagency approach, the commercial banks and regional rural banks assumed a major role in providing both short term and long term funds for serving the poorest of poor. Despite, the multiagency approach adopted, a very large number of the poorest of the poor continued to remain outside the fold of the formal banking system(Reddy and Manak, 2005; Singh and Kumar, 2008; Nagayya and Rao, 2009; Shetty and Veershekharappa, 2009). While these steps led to reaching a large population, the period was characterized by large-scale misuse of credit, creating a negative perception about the credibility of micro borrowers among bankers, thus further hindering access to banking services for the low-income people. However the gap between demand and supply of financial services still prevailed due to shortcomings of institutional credit system as it provides funds only for productive purposes, requirement of collateral, massive paper work leading to inordinate delays. As a response to failure of formal financial system in reaching the poor and destitute masses, the micro finance through Self-help groups was innovated and institutionalized in the Indian scenario. While no definitive date has been determined for the actual conception and propagation of SHGs, the practice of small groups of rural and urban people banding together to form a savings and credit organization is well established in India. In the early stages, NGOs played a pivotal role in innovating the SHG model and in implementing the model to develop the process fully (Reddy and Manak2005). The first step towards Micro-finance intervention was establishment of Self Employed Womens Association (SEWA), non formal organization owned by women of petty trade groups. It was established on the cooperative principle in 1974 in Gujarat. This initiative was undertaken for providing banking services to the poor women employed in unorganized sector of Ahmadabad. Shree Mahila Sahkari Bank was set up as urban cooperative bank. At national level, SHG movement involves NGOs helping in the formation of the groups. During this time, the planners and policy makers were desperately searching for the viable ways of poverty alleviation. Around that time, the Government of India launched the Integrated Rural Development Program (IRDP), a large poverty alleviation credit program, with the purpose of providing credit to poor and under-privileged which involved provision of government subsidized credit through banks to the poor. But the IRDP was a supply led programme and the clients had no choice over the purpose and the amount. At this stage, it was realised that the poor really needed better access to these services and products, rather than cheap subsidized credit. That is when the experts started talking about microfinance, rather than microcredit. Keeping in view the economic scenario of those days, a strong need was felt for alternative policies, procedures, savings and loan products, other complementary services, and new delivery mechanisms, which would fulfil the requirements of the poorest, especially of the women members of such households ( Barman et al. 2009; Shetty and Veerashekharappa, 2009). It was during this time, NABARD conducted a series of research studies independently and in association with MYRADA, a leading NGO from Southern India, which showed that a very large number of poor continued to remain outside the fold of the formal banking system (Reddy and Manak, 2005). Later on PRADAN in its Madurai projects started forming women SHG groups (Satish, 2005). During 1988-89, NABARD in association with Asia Pacific Rural and Agricultural Credit Association (APRACA) undertook a survey of 43 NGOs in 11 states in India, to study the functioning of microfinance SHGs and their collaboration possibilities with formal banking system (Satish P, 2005; Shetty and Veerashekharappa, 2009). Both these research projects laid the foundation stone for the initiation of a pilot project called the SHG linkage project (Satish P, 2005). Phase 3: SHG-Bank Linkage Program (1990 2000) The failure of subsidized social banking lead to delivery of credit with NABARD initiating the Self Help Group (SHG) Bank Linkage Programme in 1992 (SBLP), aiming to link informal womens groups to formal banks. This was the first official attempt in linking informal groups with formal lending structures. To initiate this project NABARD held extensive consultations with the RBI. This resulted the RBI issuing a policy circular in 1991 to all Commercial Banks to participate and extend finance to SHGs (RBI, 1991). This was the first instance of mature SHGs that were directly financed by a commercial bank. The informal thrift and credit groups of poor were recognized as bankable clients. Soon after, the RBI advised Commercial Banks to consider lending to SHGs as part of their rural credit operations thus creating SHG Bank Linkage ( Reddy and Manak,2005). The program has been extremely useful in increasing banking system outreach to unreached people. The programme has been extremely advantageous due to reduction of transaction cost due to less paper work and record keeping as group lending rather than individual lending is involved (Barman et al. 2009). The SHG bank linkage is a strong method of financial inclusion, providing unbanked rural clientele with access to formal financial services from the existing banking infrastructure. The major benefit by linking SHGs with the banks is that it helps in overcoming the problem of high transaction cost of banks as the responsibility of loan appraisal, follow up, recovery of loans are left to poor themselves. On the other side, SHGs gain by enjoying larger and cheaper sources (Varman, 2005). Later, the planners in Ninth Five year plan (1997-2002) laid emphasis on Growth with Social Justice and Equality. The objective of Ninth plan as approved by the National Development Council explicitly states as follows: Promoting and developing participatory institutions like Panchayati Raj Institutions, cooperatives and Self -Help Groups. Hence, it was ninth five year plan that expressly laid down the objective of establishment of Self Help Groups in order to achieve the objective of Growth with Social Justice and Equality as a part of microfinance initiative. Meanwhile, in 1999, the Government of India merged various credit programs together, refined them and launched a new programme called Swaranjayanti Gram Swarazagar Yojana (SGSY). The aim of SGSY was to continue to provide subsidized credit to the poor through the banking sector to generate self-employment through a Self-Help Group approach (Sriram, 2005). Phase 4: Commercialization of Microfinance: The first decade of the new millennium This stage involves greater participation of new microfinance institutions that started taking interest in the sector not only as part of their corporate social responsibility but also as a new business line. A number of institutions have been set up overtime which were required to meet the credit requirements of the new society and downtrodden. At present Eleventh Five Year Plan (2007-2012) aims at Towards More and Inclusive Growth. The word inclusive growth means including and considering those who are somehow excluded from the benefits which they (poor) should avail. Microfinance is a step towards inclusive growth via inclusive finance which moves around serving the financial needs and non financial needs of poor in order to improve level of living of rural masses. Demand and Supply forces of microfinance 1.5.1 The Demand for Microfinance Traditionally the targets of microfinance meant the poorest of the poor and the poor. More, recently, microfinance focus is changing as it has now started serving people who, although, not living in poverty, have general difficulty in obtaining the credit (Torre and Vento, 2006). This is on account of socio-economic changes that have put forward potential new microfinance clients. In this way, modern microfinance is expanding its horizon from poorest of poor to the victims of financial inclusion. The phenomenon of financial inclusion has been defined in literature as inability to access finance in an appropriate way ( ). These victims of financial inclusion involve disadvantaged individuals who are unable to bear the cost and conditions of financial products offered. Another category of microfinance targets included the marginalised people who mainly comprise of small scale entrepreneurs who are running small businesses, self-employed workers and individuals who unable to obtain cred it (Torre and Vento, 2006). In this category, women assume major significance. This is due to the more responsible nature of women who are more responsible in repayment of loan then men. The continuing involvement of poorest of the poor, poor, disadvantaged and marginalised people determines the greater complexity of the supply forces of Indian microfinance structure and thus, a more decisive move away from traditional pattern of credit. 1.5.2 The Supply of Microfinance In any economy, most of the day-to-day activities require finance. Finance is required both for productive and non productive purposes. The productive purposes include requirement of fixed capital for commencement of business, funds for working capital requirement to meet day today activities, trade related emergencies, exploring investment opportunities etc. On the other hand, finance may be needed for non productive purposes, such as for celebration of marriages, births and deaths, for litigation. In order to satisfy in above needs there are two available sources of credit available to the poor: institutional sources or formal sources, non-institutional sources or informal sources. Formal institutions are the registered entities subject to all relevant laws. These include commercial banks (including public and private sector banks), regional rural banks and cooperative banks. Recognizing the potential of micro finance to positively influence the development of the poor, the Reserve Bank, NABARD and Small Industries Development Bank of India (SIDBI) have taken several initiatives over the years to give elevation to the micro finance movement in India. The Commercial Banks and Regional Rural Banks provide both short term and long term funds for serving the poorest of poor. The Primary Agricultural societies (PACS) provide mainly short term and medium term loans and Land Development Banks provide long term loans. The National Bank of Agricultural and Rural Development (NABARD) is the apex institution at national level for agricultural credit and refinance assistance to the agencies mentioned above .The Reserve Bank of India (RBI) as the central bank of the country plays a crucial role by giving overall direction for providing credit and financial support to national bank for its operations. On the other hand, government owned societies like Rashtriya Mahila Kosh(RMK), Mutually Aided Cooperative Societies, private sector companies like specialized NBFCs are also involved in providing credit to the poor. Informal institutions include self help groups, money lenders, traders, relatives, commission agents. They are providers of microfinance services on a voluntary basis and are not subject to any kind of regulation. 1.6 Self Help Groups Defined A Self Help Group is a basic unit of micro-finance which comprises of 15 to 20 people having homogeneous social and economic background (Singh and Kumar, 2008) that voluntarily come together to save small amounts regularly and mutually agree to contribute a common fund. The aim of such formation is to meet present and emergency needs of the members on mutual help, solidarity and joint responsibility basis. Self Help Groups (SHGs) are necessary to overcome exploitation, create confidence and creation of feeling of self worth for the economic and social self-reliance of rural poor, particularly among women who are mostly invisible in the social structure. The Self Help Groups are the basis for further action and change which help members become self reliant economically and socially. It also helps building of stable relationship for mutual trust between the promoting organization and the rural poor (Singh and Kumar, 2008). Though loan repayment is a joint liability of the group but, in reality, individual liability is stressed upon (Singh and Kumar, 2008). Maintaining group reputation leads to the application of tremendous peer pressure. The group members use collective wisdom and peer pressure to ensure proper utilization of credit and its timely repayment thereof. In fact, peer pressure has been recognized as an effective substitute for collaterals (Barman et al. , 2009).

International Software Piracy Essay -- Argumentative Persuasive Essays

International Software Piracy Disclaimer The ideas and arguments presented in this paper are provided solely for purposes of academic discussion. The author wishes to make it clear that he neither condones nor promotes software piracy in any form, and that he encourages all software practitioners to familiarize themselves with the relevant intellectual property laws of their respective countries and to adhere to the highest level of ethics in the conduct of their professional duties. I. Background Software piracy has been around since the beginnings of personal computing. The first paper tape of a BASIC compiler passed from one hobbyist to another was essentially pirated software, although, at the time, it may not have been recognized as such, and in fact, may not even have been illegal[7]. The extension of copyright protection to software coincided with an explosive proliferation of low-cost computers and an expanding market for software packages that went beyond the hobbyist and into the commercial and mass consumer segments. As the software market matured and software vendors became multi-billion dollar enterprises, concern about piracy and the resultant lost revenue increased. The proliferation of Information Technology (IT), fostered in part by the Internet, have made piracy a global issue, with one estimate placing the loss to business world-wide in a single year at over $13 billion [1]. Though illegal in most countries, the rate of piracy world-wide remains high, even in developed countries with established traditions of protecting intellectual property (IP). For example, the United States has one of the lowest piracy rates in the world, and yet its piracy rate remains at 23%. Countries with the highest p... ...lt;http://www.theregister.co.uk/2000/02/14/pirate_plays_third_world_card/>. Salon, Profits from piracy, 2002, www.salon.com, 4-May-2004, . ZDNet, Microsoft slashes Windows XP price to fend off Linux, 2003, 11-May-2004, . USA Today, Software piracy takes toll on global scale,2001, 20-May-2004, . Computer Science and Telecommunications Board of the National Academics, The Digital Dilemma: Intellectual Property in the Information Age, (Washington, D.C.: National Academy Press, 2000) 55. Nader, Ralph, Consumer Harm in the Microsoft Case: Address to The Bazaar - An Open Source Software Event, 1999, 3-Jun-04, .

Morals and Beliefs in Gran Torino

Gran Torino Essay Values are principles that a person lives up to. It shapes and defines who they are. Moral refers to issues of right and wrong and how individual people should behave. Moral values are one of the most important things that we human beings live for. The movie â€Å"Gran Torino† is an excellent example of how our own moral values define who we are as a person. We make decisions based on what we think is right or wrong. The film starts off with Walt Kowalski who is a widower who holds onto his prejudices despite the changes in his Michigan neighbourhood and the world around him.Kowalski is a grumpy, tough-minded, unhappy an old man, who can't get along with either his kids or his neighbours, a Korean War veteran whose prize possession is a 1972 Gran Torino he keeps in mint condition. When his neighbour Thao, a young Hmong teenager under pressure from his gang member cousin, tries to steal his Gran Torino, Kowalski sets out to reform the youth. Drawn against his will into the life of Thao's family, Kowalski is soon taking steps to protect them from the gangs that infest their neighbourhood.The film has excellent examples of moral values throughout the development of the main characters such as courage, equality and selflessness. Courage is shown throughout the film countless times. No-one can say to another individual that their morals are wrong. No one’s moral are wrong, our morals stems from our perspective of what things are supposed to be not someone else’s view on morals. Though in the movie, Thao shows courage by trying to steal Walt’s prized car. Even though it’s a wrong decision to make, he shows courage and attempts to do it. It’s a value that we would all want. To show courage in the face of fear itself.Courage is a very hard thing to come by, not many people have it but Thao demonstrates this even though it was wrong however he rights his wrongdoing. Walt also shows courage throughout the film s uch as when he beats up one of the gang members even though he is well aware of what they are capable of. The film portrays courage not only by using the actors but also film techniques such as camera shots. When a character is expressing bravery, the camera closes up on his or her face to show the emotion and expression in the eyes and facial movement. It helps the audience interpret the courage on a characters face.Courage is moral value present in the movie. Equality is another value we hope to come by. The film evolves from racism to equality. When Sue befriends Walt, she sees him as an equal not as someone who is below her. Though their races are different, they show an understanding towards one another and they don’t discriminate each other. They respect each other and therefore show equality towards each other. That also happens with Thao when he gets to know Walt. Walt shows an understanding to Thao when they grow closer and even regards him as a friend. Equality is n ot always present in the world but it can be achieved.Even the neighbours of Walt, grew to have an understanding with him who at first despised him to be white. However equality is eventually a value that not only Sue but also Walt, Thao and their neighbours possess. The film demonstrates equality as a need in this world. Finally, one of the most important moral values a human being can possess is selflessness. It is when a person puts someone else’s needs before their own. In Gran Torino, one of the most heartfelt and saddest moments was when Walt sacrificed his life for Thao and the neighbourhood. He knew that if Thao went after his cousin â€Å"Spider† he would die.So Walt decided that he needed to do this not only for himself but for the whole neighbourhood. He came to confront Spider and the gang, he spoke very loudly to provoke the whole neighbourhood and have witnesses for what he was about to do. He asked if anyone had a lighter, he then reaches into his pocket s, as he does this, the gang reaches for their gun in preparation. Walt grabs out his lighter but making it look like he was pulling out a gun from his inner pocket, then without hesitation the gang members had shot him. He was never armed and so the gang were charged and went to jail.This sacrifice that Walt made was very admirable and was probably his most important morals. He believed in putting someone else’s safety before his own. This was a moral value that was the most important within the movie. In conclusion, these three values were demonstrated as the film progressed. It shows that a person who believed in their own moral values can be regarded as a hero. By following and believing in their own morals, it goes to show that you can help not only yourself but those around you. Gran Torino was an excellent movie about how a person who followed their morals can help those in need.

Hardest College Majors Choose Your Future

Hardest College Majors Choose Your Future When you graduate from high school, you get to choose what to do with your life next. Some decide to work, while others go to the university. Studying in college is fun and lets you meet great people, but sometimes a college major becomes a difficulty. The hardest college majors are definitely worth trying, but you have to prepared to study more than usually. Many college majors take a lot of time and effort, and often students share their stories on how they had to give up favorite activities to keep working on their studies. Students spend hours in a classroom to learn new material and earn good grades in order to prepare for their future job. It is required to study for at least 4-5 years to get a bachelor’s degree, and if you are willing to go even further, you have to be ready for even more projects and class assignments. Of course, there are no easiest and hardest subjects, since each requires a lot of practice. Our article contains information about the most popular hard college majors that many students enjoy to explore. Let's Get Prepared For Your College Majors! Top 5 Most Difficult College Majors Here is a list of the hardest and the most difficult college majors based on our research. It includes detailed descriptions of each college major and possible careers for graduates. Engineering major. These days, engineering is one of the most popular degrees. It’s a broad subject that covers such areas as civil, chemical, mechanical, electrical, medical, computer, and geological engineering. Engineers study core courses of physics, computer programming, math, basic engineering theory, systems engineering, and many other classes. No doubt, engineering is one of the most challenging degrees, but still, there is a high demand for specialists in this field. The most popular career choices for an engineering student are the process, mechanical, chemical engineer, technical writer, IT consultant. Chemistry major. Chemistry nowadays is one of the top college majors. Most students take such courses as general, inorganic, and organic chemistry, college physical science, calculus, general chemistry lab. If you decide to continue more advanced studies, there is a specific requirement to take a national program accreditation, typically for those who study pharmacy or pharmacology. Popular chemistry careers are a research scientist, pharmacologist, healthcare scientist, chemical engineer, and forensic scientist. Physics major. Without physics, our world would have been very different. Famous physicians have made discoveries that led our society to technological revolutions and improved our living conditions. Still, physics remains one of the hardest sciences. Typical learning courses for students are general physics, statistics, astronomy, etc. Popular job options for this major are college professors, nuclear engineers, higher education lecturers, researchers, secondary schools teachers. Social Sciences major. Social sciences major have allowed us to study our society from ancient times to this day. Disciplines that students study include anthropology, political science, sociology, psychology, economics, and history. An average social sciences graduate with necessary skills prefer to work as a job analyst, economic developer, journalist, diplomat, and city manager. Computer Science major. No doubt, in the modern IT and areas related to computer science have become pretty popular in the last 10 years. The most important course for students are applications programming, network fundamentals, algebra and problem solving, pre-calculus, web development, information theory, data structures, and software engineering. Common careers are IT consultant, game developer, software engineer, UX designer. Other college major fields that did not seem easy to most students were biology, mathematics, foreign language, English literature, business, law, and philosophy. Pro 3 Tips To Study Effectively In College Here are some tips on studying in college from our experts in education. No doubt, there is no college major that would be easy, but with our tips, academic excellence will be much closer to you, and even hardest college majors will bring much more joy. Order College Essay 1. Set Goals In order to achieve academic excellence, you need to understand what you want to get in the end. Ask yourself such questions as: Are my goals realistic? Which steps do I have to take every day and week to achieve them? What are the terms for accomplishing my goals? After answering these questions, create a study plan. For this part, you need to write all of the topics that will be covered during the semester and on the tests. It will help you get organized and plan your time for studying better. Set a specific amount of hours you want to spend on the subject, and stick to the plan. 2. Get Prepared Before you start your study sessions, search for resources that you would use for your learning. These include scientific articles, academic databases, websites recommended by your college, books, journals. You can find many resources in your local or college library, so don’t miss the chance to study the hardest college majors there. 3. Be Collaborative Sometimes it’s easier to work in a group of people instead of studying alone. Find classmates that share the same goals with you. Organize a study group together and gather at the library or coffee shop. You could also go to the anti-cafe and spend a day studying together and working on your writing for the classes with your partners. Give hand to your friends and try teaching each other whenever you don’t understand the material. Well, pursuing the career of your dream has always been a hard path to follow. It’s important to stay on track and not give up when facing difficulties. As Aristotle once said, â€Å"The roots of education are bitter, but the fruit is sweet.†. Remember not to lose belief in your powers, even when it seems like nothing goes in the right way. Don’t be worried about all of the assignments and homework you get in college - give the work you don’t enjoy doing to the experts in the field. You already know how to do these papers, so don’t hesitate to free your time with the help of professional writing services.

Crusade

Crusade Crusade Crusade By Maeve Maddox The word crusade, used as both noun and verb, derives from a Latin verb meaning â€Å"to mark with a cross.† Middle English adopted the Old French form, croisee. When the OF spelling shifted to croisade, English speakers started spelling it that way too. Finally, in the 18th century, the spelling was Anglicized to crusade. The Crusades were European-led wars that began in the 11th century with the intention of recapturing Jerusalem and other places in the Holy Land that had been conquered by Muslims in the 7th century, seven years after the death of Muhammad. The last attempt by a European king to recover the Christian sites was in 1272. The earliest OED citation for croisade in reference to these wars is dated 1557. In the 18th century, crusade acquired a figurative meaning separate from the idea of a religious war. The noun came to mean â€Å"an aggressive movement against something perceived as a public evil.† The first documentation of this use occurs in 1786 in the writings of Thomas Jefferson: â€Å"Preach, my dear Sir, a crusade against ignorance.† For more than 200 years, crusade has served English speakers as a useful word to signify any kind of zealous support or opposition carried on in the name of the public good, for example: Rep. Claude Pepper, who crusaded for Franklin D. Roosevelts New Deal in the 1930s and was still championing the rights of the elderly a half-century later, died today at 88.   For years, I’ve been on a crusade to help people boost their productivity by strengthening their writing so they can avoid the problems that come with sending unclear messages. Klonsky is talking about the zealots, backed by multimillionaires, who are crusading against teachers unions as they claim to fight for the reform of public education. Kentucky has now, by reason of this legislation, decided to become educated - and we have embarked on a crusade for that purpose. Public School Crusaders Stake Out Rival Camps in Austin Sunday Express launches crusade for better mental health In the present political climate, the figurative use of crusade seems to be coming to an end as it joins others on the list of politically incorrect words: Campus Crusade Changes Name to Cru Ministry leaders worry that the word â€Å"crusade† has too many negative associations. President Bushs reference to a crusade against terrorism, which passed almost unnoticed by Americans, rang alarm bells in Europe.    Crusade is already coming in for criticism in some writing guides. This is from a UK university writing guide: Example 1: Crusade against crime Example 2: Campaign against crime The word ‘crusade’ has connotations of a battle and is more aggressive in tone than the word ‘campaign’. ‘Campaign’ implies a more considered approach. A style manual for Christian writers offers this advice: The terms  crusade  and crusades  are legitimate  words  in most contexts, although they should be  avoided  when used figuratively for Christian evangelism, modern military campaigns, or any effort to promote beliefs or values cross-culturally. As Western government spokesmen and journalists take care to avoid the English word crusade, the Arabic borrowing jihad comes to mind. Like crusade in English, jihad has two meanings in its language of origin: â€Å"a holy war against unbelievers† and â€Å"a struggle or effort to do good.† Here are some alternatives for politically correct writers who wish to phase out crusade in the figurative sense: crusade (noun): campaign drive push movement effort struggle offensive crusade (verb): work strive struggle fight agitate lobby champion promote Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Vocabulary category, check our popular posts, or choose a related post below:When to Capitalize Animal and Plant Names8 Writing Tips for BeginnersEmpathic or Empathetic?

Heineken Canada Research Paper Example | Topics and Well Written Essays - 1750 words

Heineken Canada - Research Paper Example Heineken has a strategically plotted acquisition policy to create commanding positions in key national markets. It tends to acquire major shares in national or local breweries that have strong national brands so as to have a good coverage of the regional or national market.Secondly, the company has a new top management structure aimed at driving and supporting growth as a global organization. It has also created a new mores stream Executive Board to connect operations, functions, and finance in a more effective way to create strengths for global functions and operating regions.Finally, Heineken believes in the delivery and concept of quality thereby creating benefit and value for Heineken as well as their reputation.Heineken mainly targets all adult consumers. However, its commercials portray its drinkers as successful, sociable, and fun revealing that it mainly targets successful middle-class men. It targets males from the ages of 22-35 particularly those who follow sports, like rug by because they completely support the Irish Rugby Heineken Cup. Nonetheless, nowadays Heineken also addresses the young in the population through differentiated mass market strategy. It also uses new packaging and a new format to attract women.The products of Heineken Canada are used across the globe. Its products are widely used and enjoyed in most cultures and countries around the world due to its strong brand recognition. It has been successfully exported and distributed to every corner of the world.

Rhetorical Situation Essay Example | Topics and Well Written Essays - 500 words

Rhetorical Situation - Essay Example So, different writers write best in different environments. However, there are some similarities among these writers. They are acquire new ideas for writing. Moreover, they are also good readers of their own work especially when revising. Through these, they shape their writing styles and gain more experience as well. I different writers work best in different environment and time They say all writers write with a thought in mind that somebody will read their work. Experienced writers normally consider audience as one of the most crucial factors when compiling their works. They do this by keeping the audience in their minds and using language and tone accordingly. Inexperienced writers, on the other hand, write as if they do not expect other people to go through their work. When talking of audience, there are two types; an individual whom the writer may or may not know and a group that may include several people whom the writer does not know. The two audiences are particular audience and universal audiences. I say audience is a crucial factor for any writer. This is the motive or aim that a writer always hopes to accomplish through writing. Some of these aims are: amusing people, discovering oneself, conveying information, exploring ideas and evaluating something. However, the primary aim of all writers is to persuade readers. Writers normally begin with one topic and narrow it down. For instance a writer writing about abortion may narrow it down to effects of abortion. This is meant to give the readers more detailed information concerning some parts of the topic. Entering into a conversation is whereby a writer reads about a certain topic, understands the concepts and controversies that relates to that particular topic. The writer then becomes aware of a large communication going on. Therefore, he or she begins to see his or her own place in the conversation. He discovers his own ideas and stance on