Business Research Methods Part 3 Example

Business Research Methods Part 3 Example Business Research Methods Part 3 – Term Paper Example Discuss potential challenges to validity and reliability of your research question, data and analysis. Outline steps needed to minimize these challenges. There are potential challenges which may pose to the validity and reliability of the research question, data and analysis. Nowadays a lot of importance is given to qualitative methods to collect data like focus groups, in – depth interviews and observational methods. However, these may be biased as considerable research needs to be done prior to selecting a sample group. Also the researcher may be biased in trying to determine the participant observation. Another potential challenge lies in data collection and analysis. Sometimes the data might be outdated or the researcher may not be able to collect comprehensive data to carry out research. Another challenge is to prioritize and filter information from the data – both qualitative and quantitative. The researcher needs to abandon redundant information and include only those which are relevant to his or her research (Sittig et al, 2008).There may be several methods which a researcher may employ in order to reduce the challenges and increase the authenticity of data used in research. Here the researcher has conducted both qualitative and quantitative methods to analyze the healthcare dilemma in American households. One of them is to involve iterative methods and the refinement and development of analogies, typologies and other methods to analyze data (Fitzpatrick & Boulton 1996). This is extremely important especially when qualitative methods of data collection are employed. The researcher may be biased or the participants may be biased in providing their observations and answers. Hence, conducting iteration is one way to reduce such bias in data analysis. Another way to authenticate and validate the data collected in research is to properly prioritize and sort out the data. The researcher must take into account only information which is relevant t o the research. The researcher must keep in mind that the reliability and validity of the research depends on the data collection and analysis. Hence, it is very necessary to try and procure accurate data in order to conduct research. References: Sittig, D.F., Wright, A., Osheroff, J. A., Middleton, B., Teich, J.M., Ash, J.S., Campbell, E., Bates, D.W. (2008). Grand challenges in clinical decision support. Journal of Biomedical Informatics, 41, 387 – 392. Fitzpatrick, Ray & Boulton, Mary. (1996). Qualitative research in healthcare: The scope and validity of methods. Journal of Evaluation in Clinical Practice, 2, 123 – 130.

Definition and Examples of English Morphology

Definition and Examples of English Morphology Morphology is the branch of linguistics (and one of the major components of grammar) that studies word structures, especially regarding morphemes, which are the smallest units of language. They can be base words or components that form words, such as affixes. The adjective form is  morphological. Morphology Over Time Traditionally, a basic distinction has been made between morphology- which is primarily concerned with the internal structures of words- and syntax, which is primarily concerned with how words are put together in sentences. The term morphology has been taken over from biology where it is used to denote the study of the forms of plants and animals ... It was first used for linguistic purposes in 1859 by the German linguist August Schleicher (Salmon 2000), to refer to the study of the form of words, noted Geert E. Booij, in An Introduction to Linguistic Morphology. (3rd ed., Oxford University Press, 2012) In recent decades, however, numerous linguists have challenged this distinction. See, for example, lexicogrammar and lexical-functional grammar (LFG), which consider the interrelationship- even interdependence- between words and grammar. Branches of and Approaches to Morphology The two branches of morphology include the study of the breaking apart (the analytic side) and the reassembling (the synthetic side) of words; to wit, inflectional morphology concerns the breaking apart of words into their parts, such as how suffixes make different verb forms. ​Lexical word formation, in contrast, concerns the construction of new base words, especially complex ones that come from multiple morphemes. Lexical word formation is also called lexical morphology and derivational morphology. Author David Crystal gives these examples: For English, [morphology] means devising ways of describing the properties of such disparate items as a, horse, took, indescribable, washing machine, and antidisestablishmentarianism. A widely recognized approach divides the field into two domains: lexical or derivational morphology studies the way in which new items of vocabulary can be built up out of combinations of elements (as in the case of in-describ-able); inflectional morphology studies the ways words vary in their form in order to express a grammatical contrast (as in the case of horses, where the ending marks plurality). (The Cambridge Encyclopedia of the English Language, 2nd ed. Cambridge University Press, 2003) And authors Mark Aronoff and Kirsten Fuderman also discuss and give examples of the two approaches this way: The analytic approach has to do with breaking words  down, and it is usually associated with American structuralist linguistics of the first  half of the twentieth century....No matter what language were looking at,  we need analytic methods that are independent of the structures we are examining; preconceived notions might interfere with an objective, scientific analysis. This is especially true when dealing with unfamiliar languages.The second approach to morphology is more often associated with theory than with methodology, perhaps unfairly. This is the synthetic approach. It basically says, I have a lot of little pieces here. How do I put them together? This question presupposes that you already know what the pieces are. Analysis must in some way precede synthesis. (Mark Aronoff and Kirsten Fudeman, What Is Morphology? 2nd ed. Wiley-Blackwell, 2011)

Visual Literacy Essay Example | Topics and Well Written Essays - 250 words

Visual Literacy - Essay Example Taylor, by refusing to show any creations or structures of the indigenous people, represents them as a homeless, wandering band, whereas Howling Wolf portrays a thriving community. Question 2 John Taylor’s treaty signing portrays an entirely male cast, ignoring the many indigenous women present at the treaty signing. He probably did not make an active decision to exclude the women from this work, but instead made what he would have considered important artistic decisions. Taylor clearly believed that this treaty signing was an important event, as he chose to record it in such a detailed work. He probably also thought that, as an artist, his duty was to emphasize the important aspects of the event, while not portraying other things that would clutter his work. He, coming from a white patriarchal background probably believed on every level that indigenous women were of little worth, and thus the idea of recording them as part of an important event probably did not even cross his mind.

The Role of Taxation Policies under Globalisation and Trade Essay

The Role of Taxation Policies under Globalisation and Trade - Essay Example In this case tax competition will increase everyone will want to reduce their rates and give more incentives. The global mobility of goods, services, finance and consumers has disturbed the tax system of both mobile and immobile factors. This requires efficient taxation of firms operating in different regions. Every country want to minimal taxation to attract Fade-in this article we will discuss the different taxation policies under globalization and trade. Due to the globalization process private and public sectors also had change their policies and practices.3 When a country formulates its policies it takes in to consideration its domestic economy. Whenever there is any type of agreement or trade treaties between nation they are don’t compromise on national independence  regarding taxation. Globalization has change base, implication, design and administration of taxaes.Fiscal termites is used to describe the effect of globalization on tax systems. Adoption of tax system ac cording to globalization is slow process, as tax administrator face difficulties in administering new tax system and making it feasible to IT system and people. Government are facing stiff competition in reducing taxes and giving more incentives to attract FDI, this may lead to race to the bottom in which overall tax collection will be less. Literature Review Taxation It is a system of obligatory contribution imposed by government on people, corporation and property in order to raise revenue for public expenditure. It can direct and indirect it varies from country to country.4 It can be progressive, proportional or regressive tax. Under Progressive tax as income rises tax rates increases. Proportional Tax remain the same at all level and under regressive tax rate decreases as income increases this effect poor people then rich .it is impossible for a government to run its operation without taxes. It also a legislative power and help in implementation of rules. Taxation is set of rule s, how much a very person has to pay and whom and when it should be paid. Taxation is a powerful tool to gain social evolution and economic advancement. By giving tax exemption some activities supported for growth and for the discourage of certain product or activity heavy taxes are imposed. Local business are promoted by imposing heavy taxes on foreign goods . The basic principles of taxation are as follow5: Efficiency : It focuses on the foundation of the taxation policies prevailing in a country.An efficient taxation system should be unbiased and anti-nepotisum and simple so that people can understand it. Equality: The application of the tax system should be Equitable and should treat all taxpayer in similar economic conditions and different treatment in different economic conditions. Certainty : For the establishment of an ideal taxation system certainty is fundamental because one should know what is going to be tax cost and outcomes of tax avoidance. Positive Economics Effects: In actual taxation is for the smooth flow of national affairs and stability in the country and promoting economy.    Trade Trade is transfer of ownership of goods and services from one person to another the act of doing trade is called transactions, the original form of trade

Language Paper Essay Example for Free

Language Paper Essay Language can be looked at differently from other types of cognitions. There is a need for language in one form or another to have the ability to communicate with other human beings. This communication is the basis to how human beings express themselves to those around them. With this expression comes the ability to formulate thoughts. These thoughts can be translated to others through language. This language play an important role when analyzing, problem-solving, creating reasons, communicating needs, and making plans. Without the existence of language the attempt for humans to achieve goals would be almost impossible to accomplish. Goals would have to be accomplished be figuring out an alternative method than language to be used for sciences, history, mathematics, and the ability to explain past experiences or cultures. Because language is such an important communication tool, this paper will go into the definition of language and lexicon, evaluating the key features of language, with a description of the four levels of the language structure and processing, and analyzing the role of language processing in cognitive psychology. . Define Language Because there is so many different ways of language it can be difficult to provide just one. Cognitive psychology defines language as a system of communication that is governed by a system of rules and can express an infinite number of propositions. In addition, natural language has two criteria. First it must be governed by a set of rules knows as grammar. Second it must be productive – an infinite number of things can be expressed (Galotti, 2015). But there are some factors that are deemed to be critical in the communication of human language. The factors that are deemed critical are: communicative, arbitrary, structured, generative, and dynamic  (Willingham, 2007). These critical items that are necessary for the formation of language starts with communicative. Communicative will allow communication between individuals. Arbitrary which means that a sound will stand for a meaning. Language, which needs to be structured and must follow a logical order to make sense. Generative which means that there are a limitless number of meanings that are associated to the word. Dynamic which means that language is constantly changing, growing, and adapting (Willingham, 2007). Define Lexicon Lexicon is defined as the mental store and is thought to be the keeper of the cognitive processor’s knowledge of words, which also includes the spelling, pronunciation, definition, and parts of speech (Galotti, 2015). Most researchers have a belief that when people recognize words through the process of matching where the spoken word will be compared with a mental dictionary. This mental dictionary is known as the lexicon. The lexicon is the foot bridge between language and knowledge (Willingham, 2007). This communication bridge for lexicons will vary depending on how and where a lexicon is used. However, the grammaticalizations will be different depending on the type of language being used. The words and expressions used in each language will be the lexicon for that individual language. Therefore an individual person’s own set of vocabulary would have their own personal lexicon attached to it that would be their own personal storage unit of their knowledge. Evaluate Key Features of Language Charles Hackett identified 13 features of human language and how the human language is differs from other forms of communication. Four key factors are vocal-auditory channel, specialization, arbitrariness, and traditional transmissions. Vocal-auditory channel is defined as the means that the standard human language occurs vocal (creation of sound by mouth) type of communication that can be perceived by hearing it (Hyde, 1998). Specialization is the use of organs in the production of speech and these organs are able to adapt to the task of speech. Example would be the lips, tongue, a throat of a human that have been specially adapted to the task of speech and not just to assist as an eating apparatus. Whereas, dogs do not  have the physical capabilities for the speech sounds that humans have the capability of because dogs lack the necessary specialized organs (Hyde, 1998). Arbitrariness is where there is no necessary connection between form of the signal and what is being referred to. An example would be a very large object like a whale and yet it is referred to with a very short word. Some would argue that four-legged animals could then be referred to as the sounds they make. However, the sounds animals make do not always translate across culture borders and therefore even onomatopoeic words would be to some extent also arbitrary (Hyde, 1998). Traditional transmissions has the meaning that human language is not something that exist from birth. Even though language does not exist from birth humans are born with some ability to perform language. In order for humans to perform language they will need to learn, acquire, the language that is spoken around them from others who speak the language. Learning language by listening to others is different from the communications in the animal world. In the animal world animals are born knowing their entire systems. Such is the case with bumble bees who are born with the knowledge of dance and song birds that are born with the knowledge of bird-songs. Describe the four levels of language structure and processing The four levels of language structure and processing are phonemes, words, sentences, and text. Phonemes is the shortest segment of speech that if changed would change the meaning of the word (Goldstein, 2014). There are 44 phonemes that make up the basic unit of sound (Galotti, 2015). The basic unit of sounds will vary from different languages. The study of the different ways that phonemes can be combined in any language is called phonology. Once you have put the sounds together the task then becomes to put the sounds in a coherent way, identifying the meaningful units of language and this aspect is known as morphology (Galotti, 2015). These sounds then become words, sentences, and text. Words should be placed in a sentence will have importance to the understanding of the sentence. Text will be a group of sentences that once placed together will be the formation of the paragraph in reference to a certain subject. Analyze the role of language processing in cognitive psychology How humans process information is a key factor in cognitive psychology. Language is what is used as the main source of communication for humans and is influenced by both internal and external factors and since cognitive psychology is the investigation of all mental abilities the processing of language plays an important role. There are two different proposals in regards to the relationship of language to other cognitive processes. The modularity hypothesis proposed that there are some aspects of language, especially syntactic processes, will function autonomously, and independently of any other cognitive process. This recent proposal awaits a more rigorous empirical testing even though there is some evidence does exist. The second proposal is the Whorfian hypothesis of linguistic relativity, even though it is very interesting it has so far not received strong or empirical support (Galotti, 2015). Cognitive psychology is the science of how the mind is organized to produce intelligent thought and how the mind is realized in the brain (Anderson, 2015). With cognitive psychology being the study of how the mind is organized to produce intelligent thought this knowledge is through either written or verbal communication. The written or verbal communication through language enables an individual to communicate thoughts and emotions. It is these thoughts and emotions that cognitive psychology attempts to understand. Conclusion Language is a system of communication that is governed by a set of rules and can express an infinite number of propositions. Natural language has two criteria. First it must be governed by a set of rules knows as grammar. Second it must be productive – where an infinite number of things can be expressed (Galotti, 2015). Language plays an important role in the regards to cognition because it is the main communication tool used by human beings. Language has to have a storage place where pronunciation, definition, and parts of speech are stored. The storage place is called the lexicon. Lexicon is the bridge between language and knowledge. Language is a system of communication that is governed by a system of rules (Galotti, 2015). There are 4 levels of language, structure, and processing. In addition, Charles  Hockett identified 13 key features of the human language. The ability to turn language into communication through words, and then pull information from a person’s experiences, education, environment, and culture is a magnificent feat to accomplish, and it is through language that people are able to express their ideas because of the role cognition plays within language. References Anderson, J. R. (2015). Cognitive Psychology and its implications (8th ed.). New York, New York: Worth Publishers. Galotti, K. M. (2014). Cognitive psychology in and out of the laboratory (5th ed.). Thousand Oaks, CA: SAGE Goldstein, E. B. (2014). Sensation and perception (9th ed.). Belmont, CA: Wadsworth. Hyde, K. (1998). The features of human language. Retrieved May 14, 2011, from http://people.exeter.ac.uk/bosthaus/Lecture/hockett1.htm Willingham, D. T. (2007). Cognition: The thinking animal (3rd ed.). Upper Saddle River, NJ: Pearson/Allyn Bacon

Bilingual Education Essay -- essays research papers

Benefits of Bilingual Education David Hosterman The issue of bilingual education is a very controversial issue and many people have different views concerning this subject. "Bilingual education began in 1968 as a small, $7.5 million federal program to help Mexican-American students, half of whom could not speak English well when they entered first grade" (Chavez 23). In addition, it began 23 years ago as a historic order for busing students to schools to achieve racial integration. One would believe that the supporters of bilingual education are Latino's but in actuality they are black and white professionals who know the advantages of their children being bilingual. It has been proven that students who are enrolled in bilingual classes have better scores on standardized tests, such as the ACT's and SAT's, than those who are not enrolled in bilingual classes. Bilingual education is beneficial for our country and enables students to learn English as well as keeping their native tongue for future success in our global econ omy. Bilingual education works in our society and should stay intact within the schools and should be funded to enable students who wish to take these classes should be able to. In aspect of Rudolph Giuliani's view that bilingual education doesn't work and that it is too expensive should be better thought out and he should look at the benefits that come from it. Giuliani was quoted regarding bilingual education by saying, "It's cruel to them and gives them less of a chance to succeed" (Willen 8). This is a bizarre view that Giuliani is issuing considering that it has been proven that students who are enrolled in bilingual classes perform better on standard eyes tests. This is an advantage for these students to succeed considering that the better the test grades the better the opportunity to get into good college. In addition one can notice that knowing more than one language can "utilize the strengths of bilingual children to prepare all students to compete in a global economy that increasingly calls for multilingual and multicultural expertise" (Beyer 11). Bilingual education can be seen beneficial in many schools and helps students prep are for a future in corporate America. In El Paso at a secondary school bilingual education can be seen as helpful for both the students and credibility of the school. At this... ... September 1998:11 EV. Bowen, Ezra. "Education: For Learning Or Ethnic Pride? Parents Politicians and Pedagogues Battle Over Bilingual Classes" Time 8 July 1985: 80. Chavez, Linda. "Bilingual Education Was to Teach English, Not Trap Students" Minneapolis Star Tribune 2 April 1995: 23A. Gonzales, Patricia. "Why Is Bilingual Education Opposed?" The Dallas Morning News 11 July 1996: 23A. Pratt, Chasity. "One Class, Two Languages/ Both English, Foreign Benefit Bilingual Schools." Newsday 4 April 2000: 6A. Ruano-Martinez, Natalia. "Should We Abolish Bilingual Education? No: It Prepares Kids For Global Economy." USA Today 2 June 1998: 13A. Weber, Brian. "Native Tongue Denver Schools Wrestle With Bilingual Education As Feds Make New Demands" Denver Rocky Mountain News 19 October 1997: 40A. Willen, Liz. "Bilingual Debate/ Rudy's Push to Limit Education Programs Draws Flak" Newsday 16 January1998: 8A.

Brief Summary of Daniel Willingham †Why Don’t Student Like School Essay

The answer to the question ‘why don’t students like school’ was explained very clearly on the first chapter. It was made clear that our brains are slow and unrealiable. Our brains tend to avoid thinking, which makes it unlikely for us to like thinking. But apparently our brains release some amount of dopamine when there are cases of ‘successful thinking’. So the trick is to give students problems that are challenging but also solvable. There are 3 types of memory stated in the book; the ‘environment’ memory, working memory and also long-term memory. For us to remember things better, we can trick our working memory with techniques such as ‘chunking’ since things can only get to the long-term memory through working memory. Emotion and interest also play a part in the remembering process. Things that grab our interest would trigger our mind to think, and memory is believed as the residue of thought while emotional events will be better remembered–unrelated to repetition–such as weddings, 9/11 tragedy or birthday parties. Sometimes we go on ‘auto-pilot’ on stuff that we regularly do, this is caused by repetition or practice, it can help us focus on other important things while still doing our regular activities such as chewing food, driving, reading and etc. The working memory has a very limited capacity, our brain can’t take too much information, if we do, it could lose track of what we’re doing and thinking fails. As an example, that’s what actually happened to me when I was reading the book, the first chapters really crowded my brain and it was actually hurting. Putting the material in a story form can also help students remember because stories are easy to comprehend, interesting and somehow easy to remember. Background knowledge is crucial during learning process as it helps new information to stay in our memory as it was stated that ‘Understanding new ideas is mostly a matter of getting the right old ideas into working memory and then rearranging them–making comparisons we hadn’t made before’ (Willingham, 2009). As I get to the 4th chapter, reading the book was much more easier to understand as I already have the background knowledge. The author explained how important it is to practi ce or drilling. The bad image of how practice is tiring and hard has made students often avoid practicing. However, it is not necessary to learn for a few hours in a row, in fact, doing so with ‘space’ will make  learning more effective, I believe this method wouldn’t feel so tiring and hard. In the 6th chapter, Willingham explained how experts have extensive organized experience, which makes them think in deep structure. Experts work on their subject for several hours a day, to get students to think like experts, learning should be done for several hours. There is a perception that experts would solve puzzles faster, however experts often take more time to think as they dig into more depth than novices. I personally agree with all the content in the book. I think the book basically covered all the aspects that could help students learn cognitive subjects efficiently. Proving Willingham’s theory on background knowledge and remembering, I read the book while relating to y our teachings and found that the content of the book was much easier to understand since some of them were also taught in your lessons. I guess you’re the living proof that the book is effective. I can see clearly how the writer actually performs his theory on chapter on through the book such as how he chose a question instead of a statement for the book’s title to grab attention. Often repetitions of definitions come up in different chapters of the book, which I believe is to help readers remember things. Some theories that are in the book are actually from our daily life that I haven’t noticed before. Stories have been used to help me learn, unconsciously, by teachers before but I did not really acknowledge how using stories for effective learning is actually a thing. The same with the emotional and interest theory on forgetting. What I did not expect was how we actually get satisfaction from learning, my perception towards learning has always been about something that is tiring and that it is important but wouldn’t give you any pleasure. Although I would add some things that might have been left behind by Willingham from his point of view. I would deli berate over a few things from a student’s perspective. It’s the ‘whom’ that I think he might’ve left out. Teachers aren’t all the same and each has their different styles of teaching. One teacher might have been basing his teaching on your book but the other doesn’t. I think this might affect how the students study at home. The materials–such as books or presentation slides–might just be insufficient or students might have got used to the ‘Willingham style’, students might not be able to keep up with the other subjects. If Willingham would add another chapter on changing student’s learning style permanently or something. That would be perfect. He  actually did mention how to treat the students in chapter 8 but I don’t think showing that the teacher has confidence in the student would change how the student thinks permanently. Another thing is just a method that I often use in memorizing process. I try to ‘act’ the theory in order for me to remember the matter. This is just an additional method that I think could have a space in the book. After reading the book, I realized that having read the book had somehow changed my perspective about some few things such as practice can be done in a more effective–less tiring–way, how to grab atte ntion–in case I have to teach–and few other things. Well, I guess that is all. I really think this is an outstanding book by how I actually enjoyed reading it. I really hope that teachers would use this book as their basis. But afterall a student’s performance does not only depend on the teachers but also the student. I think the book itself is applicable for students with some change of perspective and behavior.

Microfinance in India

India has always been a very agrarian focused culture, with approximately 450 million people are currently in need of funds. Micromanage encompasses many different types of services such as credit, savings, Insurance, remittance and pensions. Micromanage Initiatives primarily focus on microcircuit services because rural towns are heavily reliant on credit for a wide range of needs for example engage In economic activity, consumption needs, mitigate Income shocks, Increase savings and improve self-empowerment. In many micromanage areas, women comprise most of the groups because they are seen as more reliable with funds.Indian's micromanage evolution can be broken down into 4 distinct phases. Indian's micromanage movement started in 1903 through its credit cooperative movement. Before this movement, the poor often relied on the village's money lender whenever they needed access to cash. Money lenders were notorious for high interest rates; they would charge approximately 3%-8% per mont h on loans. Although money lenders would prey on farmer, they had no other choice to use them because they could not get access to banks. Farmers' earnings were directly related to how well their crops fared.High Interest rates coupled with possible years of famine made repayment Impossible caused agrarians to riot. In 1904, the Co-operative Society Act extended credit to Indian villages under government sponsorship as an alternative to traditional money lenders. Cooperatives were the only option to most rural areas because of its spatial spread and penetration in remote areas. During this phase commercial banks did not venture into rural areas because they were in the private sector and had no incentive to extend their outreach to rural areas. However they became unreliable because of NAP inefficiencies and they lacked revisionism's.Credit cooperatives had trouble distributing funds due to frozen assets from overdue repayments. Therefore rural areas stopped using credit cooperative s and opted for high interest money lenders. The next phase of Indian's micromanage evolution was the Nationalization of Social Banking. In 1969, former Prime Minister Nadir Ghanaian nationalized 14 major sector banks In part of her political policy to eradicate poverty. After the nationalization of banks, regional rural banks (Orbs) were created in order to strengthen the rural banking structure and reach more people.These banks offered a hybrid service of the previous cooperative banks with a more localized approach. Approximately a decade after, the government sponsored the Integrated Rural Development Program (ARID) to deliver RSI. 15000 to the poor. Indian's Integrated Rural Development Program (ARID) is a great example of inefficient subsidized credit. This program was set up in order to address the need to allocate funds according to social targets, meaning that 30% of the fund was allocated to socially excluded groups (defined using the caste system) and 30% towards women.Be tween 1979 and 1989, there was a huge period f ARID growth due to a huge subsidy budget of $6 billion. But despite the huge fund, the scheme did not generate a good Institutional performance. ARID repayment rates fell below and only of borrowers took out a second loan after the first loan was repaid; which is particularly troubling given it is perceived that repeating rate fell to Just 31%, and therefore the ARID failed its key purpose: being a reliable and meaningful lender to the poor.According to the Rural Finance Program at the Ohio State University, the main mistake government-led development banks (such as he ARID) made, was to view offering credit as the same as offering seeds. Ohio argues that credit should be thought of as a fungible tool of financial intermediation, and as not as a specific input into a production process. They claimed that credit could not Just be directed towards any particular section of society; and when this was linked with cheap credit policies, this caused havoc in rural financial markets.This outcome was due to the inadequate accounting of incentive effects and politics associated with subsidies. It is argued that subsidizing banks created inefficient monopolies and removed market tests. Some have even gone on to say that the households involved would have been better off without the subsidies. Firstly subsidized banks pushed out the informal money lenders, a source of credit the poor heavily rely on. Secondly, the use of subsidized credit means that the interest rate, a rationing mechanism, is driven down below market rates, breaking down the rationing mechanism.This meant that credit was no longer allocated to the most productive projects, and was often distributed on the basis of political and social desires. Thirdly, with subsidized lending, bankers incentives to collect savings posits were almost eradicated due to the constant flow of capital from the government, so poor households were left with unattractive and ineffic ient ways to save. During this phase, a trade union of self-employed women workers in Gujarat established a Self-Employed Women's Association (SEWS) bank in 1974.Approximately 4000 members contributed RSI. 10 to register as a co-operative bank to provide banking services to poor women. This successful bank was one of the first initiatives to introduce micromanage. The third phase of Indian's micromanage evolution is the introduction of SSH bank engage program and the growth of MONGO- Miff. The National Bank for Agricultural and Rural Banking (ONBOARD) was established in 1982 to focus primarily on agricultural and rural development. In 1992, ONBOARD pioneered the first self help group.These informal groups of women promote savings among members and used these resources for meeting their credit needs. A breakdown of this model is that in every meeting, the members would put aside a certain amount for deposit. These deposits are then recorded and through accumulation they become a way for members to lend to each other. Although the interest rates in this model are higher than what banks offer, the SSH groups reap the benefits because the repayment goes directly into the group's savings. This means that the group's loaning capabilities increases the more its members regularly save.In this model, there is no formal banking institution that provides loans. The primary goal of this model is for all members to begin their own saving initiatives. Later this model evolved to become part of Self Help Group Bank Linkage program (Kbps); after analyzing a SSH for 6 to 8 months, banks would pair up with groups to extend the credit of the group. After another period of 6 to 8 months, banks would offer a larger credit line; the maximum a group could borrow was four times their current savings account. Currently Kbps account for 58% of current loans outstanding.Micromanage Institutions (Miff), Non These type of institutions are similar to Bangladesh Grahame Model. In 1976 Unhan dsomely created the Grahame Bank Model as a project to assist poor families by offering credit. Grahame means Mileage† in Bengali. This type of banking was used to show that the poor people of Bangladesh are indeed bankable and able to pay back loans without promising collateral. The model success is based on the fact that there is no need for collateral however through group peer pressure, 96% of all loans are repaid.By offering lower interest rates than the Government of Bangladesh and weekly repayment schedules, the Grahame model has been very successful. This model has been very successful in Bangladesh and has become a formal banking structure in 1983. India modified this banking structure and Joint Liability Groups Loss) became the dominant model used in Micromanage institutions (Miff). This model is similar to Bangladesh Grahame Model but it introduces an important concept, Joint liability. In this model, there is usually 4 to 10 members who are self selected.Due to sel f selection, most of Joint liability groups are homogeneous groups. Whenever the group decides to take out a loan, all members must sign a Joint liability contract; this ensures that if one member fails to repay the loans, the other members are liable for it. This type of collateral is called social collateral because members often use peer pressure to make sure that all members repay their loans. This type of group is intended to Just be credit groups and regular savings by embers are not required. The group only exists because individual members are legally bound to one another.Miff prefer this model to provide credit to tenant farmers because the groups are easy to make and there are less restrictions regarding the utilization of the loan. During this phase, Miff experienced a boom because Nags coupled themselves with Miff to attract commercial investment. Indian's current phase of micromanage encompasses the centralization of micromanage. Throughout its history, micromanage has gone through an intense transformation to provide microcircuit for a wide range of services. Currently India uses a hybrid of the above models in its Miff.However Miff are being criticized for its high interest rates. Many borrowers only apply for loans between 5000-20000 rupees; the small value incurs high fixed costs for Miff. To avoid losing money, Miff often charge higher interest rates. Four key reasons why Miff charge high rates include: the cost of funds, Miff operating expenses, loan losses, and profits needed to expand their capital base and fund expected future growth. The costs that are associated with microcosms are the cost of the money to loan, cost of loan defaults ND transaction and operating costs.However it is important to note that there is approximately 450 million people untouched by any micromanage services. These people are often referred to as â€Å"unbreakable† because they rely on family members or moneylenders for financial services. During 2005-201 0, India experienced a boom in micromanage with state, Andorra Pradesh, leading the reform. However it was soon realized that Miff were using unethical practices to collect payments from borrowers. These practices escalated to cause many borrowers to commit suicide, little of borrowing and accept high interest rates to avoid Miff.The state government of Andorra Pradesh responded by enacting the Andorra Pradesh Micromanage Institutions (regulation of money lending) Act in 2010. The act made it they didn't have to pay back the loans and the government would protect them. This led the repayment rate to plummet from 99% to a mere 10%. The act was trying to protect the borrower and punish Miff for charging exorbitant interest rates and causing over borrowing. Critics of the act state that She were also part of the crisis ND that they were not negatively affected by the act as Miff were.They state that government backed She were also part of over borrowing and the act limits Miff business and successfully reduces competition between both micromanage institutions. The act negatively affected Miff profitability, loan recovery and their overall operations. The result of the crisis left many Miff at negative worth, this in return limits their accessibility to garner fresh funds and their overall ability to reach the rural poor. According to the norms, banks are not allowed to lend to banks that have negative worth.The crisis left micromanage companies like SHARE Microfilm, Ashman Microfilm, Spandex Sporty Financial, Trident Microfilm, and Future Financial Services unable to disburse fresh loans to clients. Banks also lost trust in Miff and there has been a serious liquidity crunch. Increased costs of borrowing coupled with the inability to access new funds further strained the profitability of Miff. Len conclusion, the enactment of the Andorra Pradesh Act stifled the access of basic financial services to the poorest of India citizens. The current goal for Indian's micro manage sector is poverty alleviation through uncial inclusion and inclusive growth.The 2010 Andorra Pradesh Crisis highlighted a few issues of Indian's micromanage sector. The crisis was due to high interest rates and multiple memberships and borrowing. Other issues include inadequate outreach and coverage, lack of regulation, limited product innovation, rising Naps and recovery issues, ratings of Miff and data availability. Proposed Micromanage Bill of 2012 After the 2010 Andorra Pradesh Crisis, the government was very worried over the state of Miff and proposed a bill to the development and regulation of Miff.The bill allows the central government to be the sole regulator and supervisor of Miff by creating the Micro Finance Development Council to oversee the development of Miff. Specifically the bill wants all Miff that are Non Banking Financial Companies (NBS) to be regulated by RIB while Miff that aren't companies would be regulated by the respective state governments because th ey will be able to take a more localized approach and be better equipped to serve them. The bill would also require Miff to provide an annual balance sheet, profit and loss account for audit to RIB at the end of ACH fiscal year.RIB would also have the authority to set the maximum annual interest charged and maximum limit on the margins Miff are allowed to make. RIB becoming the prime regulator for Miff increases uniformity and stability. However critics of the bill rather have a whole entire new body to regulate the micromanage sector such as Micromanage Regulatory and Development Authority. Key issues that still need to addressed: relating to margin, interest rate cap, allowing collection of thrift by Miff, enabling Miff to render other services than credit like pensions, insurance, etc. Ceiling limit on credit, and regulation. Critics don't want a cap on interest rates or margins because they believe that it negatively affects the entire private micromanage sector. Specifically pr ice controls only benefits a few while The bill lacks specific provisions, which would provide and facilitate financial inclusion at an affordable cost to poor and weaker sections. The bill doesn't address what led to the AP Crisis: multiple credit lending, over-indebtedness, multiple memberships and coercive measures adopted by Miff.

Community in Two Novels essays

Community in Two Novels essays Community is often thought of as a town, city, or even neighborhood, but community can refer to just about any group who has common beliefs, common values, or some sort of commonality. Families are small communities, and so are schools, churches, and groups with like ideals or causes. Both of these novels concern communities, and how many of the novels' characters interact with communities, both small and large. Communities are made up of individuals, but unless the individuals conform to community standards, or feel comfortable with them, they will have an uneasy relationship with the community, and with themselves, just as these two novels so graphically illustrate. Both main characters in these novels have uneasy relationships with their family, which translate into uneasy relationships within their small community, and thus translate to uneasy relationships with their larger community. In "The Wars," Robert's estrangement from his family begins with the death of his sister Rowena, and his decision to join the army to fight in Europe, as this passage illustrates, "'You think Rowena belonged to you. Well I'm here to tell you, Robert no one belongs to anyone. We're all cut off at birth with a knife and left at the mercy of strangers. You hear that' Strangers. (Findley 23). Immediately the reader understands the depth of the division in the family, and how Robert is struggling with his identity in his small familial community, just as his mother, Mrs. Ross, will struggle with her identity in the larger community where they live after he leaves. Part of successful assimilation in a community is feeling comfortable and that you belong. In this case, Robert feels he has nothing in common with his mother, and so, leaves the family because the member he loved the most is gone. He is searching for himself, meaning in his life, and attempting to discover where he fits i...

7 Solutions for Sentences with Problematic Parallels

7 Solutions for Sentences with Problematic Parallels 7 Solutions for Sentences with Problematic Parallels 7 Solutions for Sentences with Problematic Parallels By Mark Nichol 1. â€Å"The street is lined with boisterous sports bars, nail salons, and clothing boutiques. Some neighborhood, where nail salons and clothing boutiques can be described as boisterous. Do I misunderstand? I do, because when only the first of several items in a list is given an adjective, it is easily confused as applying to each item in the list. Either omit the adjective, or play fair and supply each item with its own: â€Å"The street is lined with elegant nail salons, trendy clothing boutiques, and boisterous sports bars.† 2. â€Å"The process would be confidential, voluntary, and the information would remain the property of the teachers.† The same rule applies for verbs. Either use a verb to apply to all items in a list, or attach a verb to each item. Or, in this case, combine the first two items into a combined item: â€Å"The process would be confidential and voluntary, and the information would remain the property of the teachers.† 3. â€Å"The so-called beer summit was photographed, discussed, and dissected on blogs, newscasts, and in barbershops and bars nationwide.† Let’s not forget prepositions. In a list, one preposition carries each item, or each has its own; there’s no middle ground: â€Å"The so-called beer summit was photographed, discussed, and dissected on blogs, during newscasts, and in barbershops and bars nationwide.† (For variety, try to use a different preposition for each item.) 4. â€Å"It would be safer to keep our bushy tree trimmed so that no would-be burglar could hide under it and buy a locked mailbox to help prevent identity theft.† Infinitives want equal standing, too. The original sentence implies that the would-be burglar might buy a locked mailbox after hiding under the bushy tree. The addition of a parallel infinitive after the conjunction linking the two parts of a sentence arrests this infelicity: â€Å"It would be safer to keep our bushy tree trimmed so that no would-be burglar could hide under it and to buy a locked mailbox to help prevent identity theft.† 5. â€Å"Legislation is often to blame, not because legislators are bad people but often they act on partial or misleading information.† Two reasons, one invalid and the other valid, are supplied in this sentence. Set them up separately, each with its own because: â€Å"Legislation is often to blame, not because legislators are bad people but because they often act on partial or misleading information.† 6. â€Å"The location features stifling heat, bacteria, polluted seas, lice, and bad cuisine.† If you’re going to modify one or most nouns in a list, go all the way and precede each with a pertinent adjective: â€Å"The location features stifling heat, gut-wrenching bacteria, polluted seas, itchy lice, and bad cuisine.† 7. â€Å"The afflictions are believed to include autism and learning and hyperactivity disorders.† Is learning a stand-alone item, or does disorders apply to it as well as to hyperactivity? You don’t know until you get to the end of the sentence, when it’s too late. The inclusion of a comma after autism prevents a stumble, and inserting â€Å"as well as† helps link the two remaining list items: â€Å"The afflictions are believed to include autism, as well as learning and hyperactivity disorders.† 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 Grammar category, check our popular posts, or choose a related post below:85 Synonyms for â€Å"Help†Body Parts as Tools of Measurement50 Synonyms for â€Å"Villain†

Growth and Development of Entrepreneural Ventures Essay

Growth and Development of Entrepreneural Ventures - Essay Example Adherence to codes of ethics makes business organizations carry out proper social responsibility programs through which they communicate and show their commitment to the welfare of its workers, other stakeholders and the outside community. Most businesses that do not have codes of ethics often find themselves in various breaches of the law, forcing them to engage in various legal suits. Creditors sometimes sue the business for failing to abide by the terms and conditions of sale agreements; additionally, workers sometimes have various issues concerning contractual agreements and remuneration (Battelle, 2005). Ethical issues have special legal provisions to ensure that business organizations that do not live by the law are punishable according to the laid down legal structures. This paper examines ethical practices and conduct of Google, one of the many successful companies that offer clients the ability to search and carry out various social and economic activities on the internet. It focuses on the various work practices that have elicited ethical concerns not only in the company but also from its clients worldwide. It also examines the effects of these ethical concerns and how they can impact on the company’ operations in the future, giving some possible alternatives the company can embrace in the process of restoring customer confidence in its products and services (David, 2011). The report delves into the discussion of Google Inc., a multinational American corporation that specializes in offering internet-related products and services. These products include search engines, cloud computing services, online advertisements and various types of software. Most of the products that the company specializes in originated from ad Words (James, 2014). Since the company was incorporated, it has enjoyed consistent growth, managing to become one of the greatest companies in the world that offers internet and related services. The persistent growth has seen the company manage to establish a chain of products  and services to take advantage of the ever-increasing internet needs by people worldwide, which are now turning to the internet as the sources of economic livelihood.  

History Essay Example | Topics and Well Written Essays - 250 words - 7

History - Essay Example These men were busy planning new governments after they won the Civil War. The South was busy planning a new government which was based on slavery, while the North was creating new laws banning slavery. Lincoln and Jefferson Davis were too busy running their respective governments to go into battle. Davis wanted to be a general and had military experience, but was elected to be President of the Confederacy. Diplomatic relations depended on the foreign nations that backed the respective sides. Both sides used politics and diplomacy to further their war plans. The North was better prepared for war than the South. Northern cities had paved roads, industrial strength, and urbanized cities. The ports and railroad connected the North with precious supplies. Northern life worked for the war cause. The South only had plantations and farming. When the North started burning crops, houses, and anything that could be used in the South, many Southerner civilians and soldiers began to starve. Unio n soldiers captured were also starved due to a lack of supplies. Women on both sides had to take up positions left by men that were at the fronts. Women and children lost their men on both sides. This was the bloodiest war and many men were killed. Slaves were forced into battle or made to starve with their owners. Life was not pleasant. Bibliography Volo, Dorothy Denneen and James M. Volo. Daily Life in Civil War America.