Treasure Island Essay Example For Students

Treasure Island Essay On the 27th November 2007, I attended a performance of Treasure Island at Derby Playhouse. During this performance, the design of one scene in particular surprised me: the first scene of the second act, in which Jim arrives on Treasure Island and meets Ben Gunn.  The creation of the Hispaniola ship and its movement was both memorable and surprising. Its creation was even integrated into the acting and melodramatic/musical style of the piece, as the actors built a small rowing boat from benches at the beginning of the scene and incorporated this into a dance. This served the dual-purpose of both entertaining the audience and creating the necessary staging. The main ship itself was on a small truck so it could be easily moved around. This ease of movement was then combined with the use of a revolve-stage, creating a surprisingly authentic representation of a ships journey over moving water. We will write a custom essay on Treasure Island specifically for you for only $16.38 $13.9/page Order now Other staging/design aspects helped to create this authentic journey. The projection of a moving map on a cyclorama at the back of the stage, showed the ships progress to the audience, therefore, effectively communicating the idea that the ship was moving. The use of dappled blue lighting and sound effects of waves crashing against a beach also helped set the scene in a surprisingly effective way. The lighting was also used to give a rippling light effect to give the impression of the suns rays on the oceans surface, which helped to make the concept of the journey more believable for the audience. Later in the same scene, daggers were used as props. The daggers were not modern in style, and therefore helped to communicate the period of the piece (eighteenth century) to the audience so the historical context of the scene was surprisingly authentic to the audience. The use of sound effects for the fire from the rifles also helped to achieve this.  When Jim arrived on the island, a green curtain was used to show the jungles foliage and split the stage in half. This communicated the location of the scene surprisingly effectively. Vertical slits had been cut into the curtain and Ben Gunn used these slits to great comical effect. The slits also facilitated Bens arrival onstage and helped to make his entrance surprising. There was an audible gasp from the audience when Gunn emerged from behind the curtain and as he continued to dart through the slits, the audience began to laugh. Another surprising element of design in the scene, was the use of a puppet held by an actor to represent the parrot. The puppet was on a long pole, which was then swung by an actor dressed in bright clothing to show the parrot in flight. This was comical to the audience and surprising as it was a new interpretation on the piece. The costumes also added to the authenticity of the performance, which was particularly important as Treasure Island is a period piece.  Overall, the performance was highly enjoyable with several interesting staging elements.

A background research report on engineering aspects of man

A background research report on engineering aspects of man Executive Summary This brief report examines various engineering aspects of oil spill disasters. It provides that oil disasters can occur when engineering controls, such as a blow out malfunctions, are not met. It also highlights a number of recent major oil disasters and measures undertaken to prevent and mitigate resulting effects. It concludes with recommendations calling for, among other things, aggressive enforcement of drilling regulations, extensive risk assessment programs, and shifting to renewable sources of energy to avoid overreliance on fossil fuels.Advertising We will write a custom report sample on A background research report on engineering aspects of mans of such rigs are the drilling barges, jack-up rigs, semi-submersible rigs and drill ships. For commercial exploitation of viable quantities of natural gas and crude oil deposits large fixed rigs are used. These ones are: Fixed platforms, Seastar platforms, Tension-leg platform and star platform. Major oil di sasters On April 20th 2010, a blast occurred on the Deepwater Horizon rig which was drilling for British Petroleum Oil Company (BP). In the aftermath of the blast, vast amount of crude oil leaked into the Gulf of Mexico water, 11 workers were killed (Meinhold 2010). The rig caught fire before the newly completed Macondo was cemented. Later investigation reports indicated that the rig’s blowout preventers malfunctioning has a big role in the eventual burnt out (Gulf of Mexico Oil Spill 2010). During the Gulf war in 1991, Iraqi forces opened the channels transporting oil in Kuwait as they flee advancing US army. As a result, over 240 million of crude oil spill into the Persian Gulf. In 1979, the Ixtoc 1 oil well in the Bay of Campeche, Mexico collapsed after a pressure build up (Casselman 2001). This caused an explosion and a prolonged leakage during which over 140 million of crude oil leaked. In 1976 two full supertankers collided in the Trinidad and Tobago, West Indies result ing the loss of 26 lives and oil spill spillage estimated at 88 million liters. Other major oil spillage are the Fergame valley in Uzbekistan in 1992 (87.7 million), ABT summer of the Angolan coast in 1991 (80million), the Amoco Cadiz in 1978 off Brittany, France (68.7 million) and the MT Haven Tanker Disaster of 1991 in Genoa Italy (42million) (Casselman 2010) These are just but a few cases selected. Causes of oil disasters According to Srinivasan and Halada (2008), the primary causes of engineering calamities are combinations of human factors, design flaws, material failures and extreme conditions or environment. Borchardt (2010) of ASM’s Mechanical Engineering magazine has listed blow outs as one of the major causes of oil spills. Blow out refers to a surge of oil and gas up the well bore and into the surrounding habitat when a very high pressure of natural gas and crude oil is not well managed in deep water reservoirs.Advertising We will write a custom report samp le on A background research report on engineering aspects of man-made disasters and oil spills specifically for you for only $16.05 $11/page Learn More Between 1980-2008, 173 blowout occurred in drilling projects in the Gulf of Mexico alone (Hoffman 2010). Borchardt attributes the 2010 Deepwater Horizon disaster in Gulf of Mexico to a massive blow out. He states that such occurrences are the case for wells drilled under the depth of ocean exceeding 3000 feet where pressure reaches over 23000 pounds per square inch. On the other hand, Carl Hoffman, in Popular mechanics, is of the opinion that human and ineffective regulatory oversight also play significant role in oil disasters. He cites poor risk assessment and complacency by regulatory bodies as some of the main causes of the 2010 BP oil disaster. Hoffman sentiments are shared by Romm (2010) in Climate Progress who cites a number of publications that point to the oil company in question (BP) â€Å"recklessnessâ⠂¬  for lacking safety plans to prevent disaster of such magnitude. Oil disaster also occurs in ocean accidents such as supertankers collisions (Burckhardt 2010). Emergency fixing and prevention According to Borchardt (2010) there is a number of measures designed to prevent oil spill during drilling. The aim of these measures is to control the pressure of oil and gas coming up from the well. One of the techniques involves using a drilling fluid to create hydrostatic pressure to check the upward pressure of gas and oil from the ocean well. Upon completion of drilling, the well is usually filled with completion fluid to prevent the leakage of oil and gas from the deposits rocks. In case the fossil fuel deposits are not of a viable quantity, the well is usually sealed with cement. In this case, the cement displaces the drilling fluid in the well bore, which exits via pipes for storage in tanks on top of the platform (Offshore drilling 2011). For improved safety and control of emergenc y spills, oil rigs are fitted with blow out preventers that are designed to prevent the escaping gas and oil from well bore (Borchardt 2010). Combating emergency oil spills has also involved placing a concrete reinforced with steel dome shaped casing over the mouth of the wellbore (Menihold 2010). This was attempted successfully during the BP oil leak. After the dome is installed the entrapped oil is pumped up to storage tanks.Advertising Looking for report on engineering? Let's see if we can help you! Get your first paper with 15% OFF Learn More Freundenrich and Strickland (2010) advocate for thorough operation procedure in supertankers to prevent oil leaks. They propose regular checks on piping system and well as on seals. Other techniques used to control spillage involve the use of equipment such Dispersants, skimmers vacuums, and booms (Davies 2010). The dispersant breaks up oil particles so that mix them with water thus reducing oil sludge floating to shorelines (Casselman 2010). Booms are used to confine oil on water within a certain region, it can be further removed using other equipment such as vacuums. Conclusion Oil exploration is a complex and risky undertaking that involves extracting oil and natural gas deposits thousand of feet beneath the ocean floor. Sophisticated oil rigs are used to harvest viable quantities of oil and natural deposits. Oil rigs together with other equipment involved in the extraction and transportation of crude oil are prone to unexpected failure. These catastrophes are influenced by a num ber of factors that include human factors, design flaws, material failure and extremes of conditions. Engineers are charged with the task of creating designs with less chances of failure. To deter future oil disasters engineering controls need to be complemented with other factors, such as enhanced human efficiency and compliance of necessary oil by oil companies. Recommendations Basing on the findings of the research conducted for this report, the following is recommended: Enforcement of compliance with local and international regulations by oversighting authorities especially in regard to deepwater oil explorations Frequent auditing of oil drilling rigs and companies by international independent agencies to ensure adherence to best industry practices Further research into ways of enhancing safe drilling at ocean deep waters. Heavy penalties and revocation of operating license for negligent companies. Adoption of alternative sources of energy to reduce over dependence on fossil fu el deposits. These include renewable sources of energy such as solar, wind, tidal wave, as well as Hydroelectric power References Gulf of Mexico Oil Spill (2010). The New York Times. Wednesday, December 7, 2011. Available from http://topics.nytimes.com/top/reference/timestopics/subjects/o/oil_spills/gulf_of_mexico_2010/index.html. Petroleum, Pollution Issues Sept 4, 2011,. Available from: pollutionissues.com/Na-Ph/Petroleum.html#b. [8,December 2011]. Burckhardt, J. K. 2010, ‘Avoiding blowout’, Mechanical Engineering, Aug, Available from: http://memagazine.asme.org/Articles/2010/August/Avoiding_Blowout.cfm. [7 December 2011]. Casselman, A. 2010. ’10 biggest oil spills in history’, Popular Mechanics, 3, September, Available from: popularmechanics.com/science/energy/coal-oil-gas/biggest-oil-spills-in-history .[8 December 2011]. Davies, S.2010, ‘BP oil spill disaster cleanup efforts in the Gulf of Mexico’, Engineering Technology, 1 June, Availab le from: http://eandt.theiet.org/magazine/2010/08/oil-spill-gulf-of-mexico.cfm. [8 December 2011]. Fingas, M. 2010, Oil Spill Science and Technology. Gulf Professional Publishing, Elsevier. Freundenrich, C. Strickland, J. 2010, ‘How Oil drilling works’, Energy Production, Environmental Science, How stuff works, Australia, pp.1-9. Hoffman, C. ‘Investigative Report: How the BP, oil rig Blowout happened’, Popular Mechanics, 2 Sept. Available from: popularmechanics.com/science/energy/coal-oil-gas/how-the-bp-oil-rig-blowout-happened-3. [8 December 2011]. Max energy Limited 2006, Oil rigs and platforms, Available from: solarnavigator.net/oil_rigs.htm. [8 December 2011]. Meinhold, B. 2010, ‘First oil container dome shipped to Deepwater Horizon spill’, Available from: http://inhabitat.com/first-oil-containment-dome-shipped-to-deepwater-horizon-spili/. [ 8, December 2011]. Offshore drilling 2011, Naturalgas.org, Available from: naturalgas.org/natur algas/extraction_offshore.asp . [8 December 2011]. Srinivasan, V. Halada G, ‘Disasters and Learning Form Failure’, State University of New York, Available from: matscieng.sunysb.edu/disaster. [8, December 2011].

Extracts from camera Lucida Lab Report Example | Topics and Well Written Essays - 500 words

Extracts from camera Lucida - Lab Report Example In this photograph, Barthes sees his mother's true essence speak through the photo paper. Barthes has a passion for photography that is marked by an extreme idolization of the transcendence of photography. Barthes states, "Such a desire really meant that beyond the evidence provided by technology and usage, and despite its tremendous contemporary expansion, I wasn't sure that Photography existed, that it had a 'genius' of its own" (1). All of the technical and analytical books Barthes read on photography could not satisfy the feeling he had for the art/religion of photography. Barthes goes on to define the photograph as: "the object of three practices: [] to do, to undergo, to look" (3). The respect that Barthes shows to photography is so evident throughout Camera Lucida that he even states the photographer is not merely a photographer, but an operator: An operator who not only manipulates the camera, but an operator who manipulates the referent or subject, the environment and the spectator. Barthes muses on the subject of being the referent. His hope that the camera will make him look stunning is a hope that many people can relate to. His fear that the camera will not capture his true essence is also a fear that many people can relate to. Upon seeing the result of the photo Barthes states, "the Photomat always turns you into a criminal type, wanted by the police" (4).

The process of scholarly writing Essay Example | Topics and Well Written Essays - 1500 words

The process of scholarly writing - Essay Example The process of scholarly writing As a function of this particular analysis, the author will consider and review a scholarly publication entitled â€Å"driving a green economy through public finance and fiscal policy reform†. This particular article, published by the University of Oxford and authored by Benjamin Jones, argues that immediate and far-reaching global changes must be engaged through a strategy and framework of policy, regulatory, and financial reforms as a means of creating a greener and more sustainable planet. Whereas there are invariably a great many strengths that this individual paper represents, there are also a high level of drawbacks and/or weaknesses that should also be analyzed. In such a way, this rhetorical analysis will engage the reader with a collection of each of these in the hopes that such a rhetorical analysis will be beneficial and hoping to categorize, classify, and delineate which elements of the analysis are particularly strong and should be engaged in a more full and complete manner as well as which elements of the research are naturally flawed and might need a level of further analysis order to consider them for inclusion in such a level of argumentation. Firstly, it is necessary to note that the level of research and analysis that went into the publication of this particular piece was profound. Residents always easy to point to shortcomings of particular author may have with respect to the way in which subject matter is presented, it must be recognized and appreciated that the level of research and the scope of analysis which was included within this particular analysis was profound. ... Although it is the opinion of this particular analyst that many of the points that are argued within the analysis are ultimately flawed, it cannot be stated that they are not well presented and scholarly. Finally, the introduction itself posted of a powerful overview with regards the topics that will be discussed; rather than merely mentioning them briefly and delving directly into a framework and methodology that would be employed (Jones 339). Another noted strength is with regards to the entire section dealing with subsidy reform within the current system. Due to the fact that the current level of subsidy delineation is ultimately corrupt and flawed, a change in the structure would create a high level of existing funding through which green industry and practice could be promoted. With all of this being said, a rhetorical analysis in and of itself would not be complete unless it analyze some of the specific failures and weaknesses that the piece in question engenders. As such, one of the first of these is with regards to the element of â€Å"green taxation† that was presented within the research. Even though the rationale for this was understood, the reader is left with a distinct concern with respect to the way in which deadweight loss to the economy and the difficulties of managing such taxation would be engaged. The reader does not have to have a background in economics to understand that the imposition of tax and/or a duty or subsidy necessarily creates a level of deadweight loss to the entire economy. However, even though the author advocates green taxation as a means of engaging further element of environmental protectionism and sustainability throughout the world, no

LEADERSHIP Assignment Example | Topics and Well Written Essays - 500 words

LEADERSHIP - Assignment Example Motivation can be viewed as a cycle where ideas control behaviors. Performance on the other hand is driven by behavior, and on the other hand performance influences thoughts, making the cycle to start again. Motivation may be subdivided into 2 different theories referred to as extrinsic (external) and intrinsic (internal) motivation (Beck, 2004). The key motivator in my job is the need to accomplish my set goals and objectives. The moment I am done doing my assigned tasks I usually feel satisfied and motivated. The fact that there is also the issue of salary at the end of the month makes me feel even more motivated and willing to work even harder. These two motivators cut across the board and they are the same for even for my colleagues. That it is not always prudent to interview leaders. The line-level followers could be better placed to know more what is happening on in campus safety department as well as what members look for in a leader. Thus most followers when it comes to life-and –death situations want their leaders to be competent. This means that a campus leader should be ready to learn, maintain and demonstrate a mastery of their field. Leaders, particularly campus safety leaders should also keep themselves informed by devoting some time daily reading about leadership, security and crisis management, security technology and emergency management. They should also keep physically fit by participating in physically demanding training, proficient in using security and emergency management communications technology (Piper, 2012). Campus leaders should be careful how they conduct themselves in a crisis and thus should be calm and make sure that they exert that much needed calming effect. They should also be outwardly focused and be more concerned about welfare and safety of the individuals on their teams. Finally leaders should be ready to put themselves on the line even when it means standing

The Idea Of Corporate Social Responsibility Marketing Essay

The Idea Of Corporate Social Responsibility Marketing Essay Nowadays, the idea of Corporate Social Responsibility is not new to the business industry. The society and corporations have been paying more and more attention on the initiatives of CSR, which is if a particular corporations business processes are producing an overall positive influence on society. In other words, CSR is defined as a firms sense of responsibility towards the environment and community in which it operates (Crane Matten, 2010). The increasing attention that paid to CSR has not been entirely voluntary. Many businesses only realised their CSR after being shocked by public responses to the issues they had not previously put in mind, and which were part of their business responsibilities (Porter Kramer, 2006). However, if companies could foreseen their CSR and react in advance, it would not only create competitive advantages for them, but it could also improve their brand images (Banerjee, 2008). Starbucks Corporation is a famous brand which sells coffee and has opened a massive number of stores all over the world. This essay will firstly focus on analysing Starbucks efforts of CSR, followed by identifying and discussing different stakeholder groups of Starbucks. Finally, whether the stakeholder analysis of Starbucks provides useful framework for the development and assessment of CSR will be discussed and a conclusion will be drawn. 2.0 Starbucks CSR efforts 2.1 Historical CSR efforts of Starbucks In 1992, Starbucks established the Starbucks Environmental Mission Statement, which committed that the company will positively contributed to the environment. Since then, Starbucks has been expanding their definition of their environmental responsibility within the context of their company growth and their business which has become more complex. Starbucks CSR report (2006) has included their several positive contribution to the environment. As Starbucks is concerned about the climate change will effect the quality of coffee beans, the company has been evolving and implementing an environmental strategy focused on the climate change. What is more, in 2006, Starbucks established a three-year climate change mitigation strategy. This strategy includes purchasing renewable energy, joining with other organisations to raise the awareness of climate change in order to save more energy together. At the same time, Starbucks introduced a new strategy for producing their cupts in order to reduce the negative impacts on environments. This strategy includes three main actions: a) by eliminating most double-cupping, 60 per cent of post-consumer recycled fiber; b) customers who use their own reusable cups are offered a $0.10 discount, this allowed Starbucks to save 674,000 pounds of paper from going to the landfill in 2006; c) Starbucks introduced the hot beverage paper cups which received a positive safety review from the Food and Drug Administration (FDA) in the U.S. What is more, the company improved its environmental footprint by greening the store through design, operations and waste and recycling management. In recent years, apart from maintaining the established strategies, Starbucks have began to focus on other social responsibilities such as donations to charity or reducing tissue waste in stores. According to the Starbucks official website, the company pays a minimum of $1.26 per pound for Fair Trade certified ingredients in order to buy Fair Trade CertifiedTM coffee for the companys supply chain strategy (Businessgreen, 2010). Heath (2006) argued that even though firms are not entitled to solve all the worlds social issues, nor could they do so. Each individual firm can identify their own set of societal issues that it is able to solve. By doing so, the firm could gain the greatest competitive advantages. Moreover, Starbucks supply chain strategy has helped the company to gain the advantage of high-quality products, which also improved Starbucks brand image (Maloni Brown, 2006). Harnrungchalotorn and Phayonlerd (2005, p35) stated that: Starbucks has ran its business by driving Corporate Social Responsibility (CSR) as a tool that covers the company in every sector of their business. Therefore, Starbucks have indeed identified their social responsibilities and have put much effort into the issues, and these efforts have been realised by the society. This is one of the reasons why Starbucks have created a such successful brand image (Thompson A rsel, 2004). 2.2 Stakeholder Groups of Starbucks Stakeholder theory is a organisational management and business ethics theory. It addresses values and morals in managing a business. Edward (1984) was the first author to detail this theory, and he identified the stakeholders groups of a corporation. Traditionally, the stockholders and shareholders are considered as the owners of the business, and their needs and interested were ought to be put in the first place. However, stakeholders theory suggests that apart from them, there are other parties need to be considered as well. These include political groups, trade unions, governmental bodies, trade associations, financiers, communities, suppliers, customers and employees. In some cases even the competitors are considered as stakeholders as well. In this section, the following three stakeholder groups of Starbucks will be analysed and discussed: customers, suppliers (farmers) and employees (Friedman, 1970). 2.2.1 Customers Nature of Interest and Power The customer stakeholder group is very important to all firms, because customers have the power of purchasing goods or services from firms. In other words, customers provide huge contribution to firms revenue and profits. Not only that, customers also have the power of boycotting firms who provide unsatisfactory goods and services, or whose company policies are unacceptable (Griseri and Seppala, 2010). All these apply to Starbucks. In order to make customers feel good about the Starbucks places and the coffee they drink, Starbucks have been aiming to provide long-term high quality coffee. Starbucks strategies to achieve sustaining coffee quality include sustainable trade and quality assurance and product recall. Starbucks always make sure that they purchased high-quality materials agriculture and manufactured goods, as well as their non-coffee products such as Cocoa, Tea, Bakery and Dairy etc. Starbucks also use high quality water to produce their drinks including Ethos water. The ap proach of quality assurance and product recall allows Starbucks to control their overall product quality and to reduce the amount of customer complains, hence to increase customers level of satisfactory. In fact, Starbucks have never stopped travelling worldwide to look for high-quality coffee beans in order to always provide coffee that has premium quality (Mystarbucksidea, 2010). In 2004, Starbucks established a guideline which is known as Coffee and Farmer Equity (C.A.F.E.), which is used to ensure the sustainable supply of high-quality coffee. What is more, Starbucks have considered other aspects to achieve higher customer loyalty (Findarticles, 2010). Customer loyalty can be obtained through high quality products, friendly workers, excellent customer services, good location of the stores that are easy to access, and comfortable environment in the stores (Crane and Matten, 2010). Starbucks have more than 16,000 stores in more than 60 different countries. Customers are able to fi nd a Starbucks store easily even they are in a foreign country. Workers are productive and friendly as they enjoy their work. What is more, Starbucks are designed to be a place for customers to relax, so the comfortable space in the stores have attracted many customers (Michelli, 2007). Therefore, Starbucks see customers as a very important group of stakeholder and as a famous brand name in the coffee industry, Starbucks have been able to raise the values that customers are interested in. 2.2.2 Suppliers (Farmers) Nature of Interest and Power Like customers, as one of the stakeholder groups, suppliers also have their own nature of power and interests. Suppliers have the power of selling same products to a firms competitors at a different rate. At the same, like customers, suppliers also have the same power of boycotting a firm and stopping providing a firms any materials, if they are unhappy about the firms policy and quality of products. Suppliers interests are to receive regular order of goods from a firm, and to be paid promptly for goods that they delivered (Scott Lane, 2000). For Starbucks, their main suppliers are farmers who have direct influence on Starbucks product quality. Starbucks always make sure that premium prices are paid to suppliers if coffee that are linked to premium quality is provided. The company also sees economic transparency as a very important approach for evaluating whether their suppliers or farmers receive equitable payment for their crops and other products. Starbucks have established stron g relationships and direct engagement with their suppliers and coffee farmers, which will keep Starbucks in touch with all the suppliers issues and progress (Starbucks Corporation, 2006). Farmers have access to credit and resources which are provided by Starbucks, this will help farmers to improve their products quality hence to strengthen their businesses as well as Starbucks business. What is more, Starbucks provide certification labels, including organic and Fair Trade CertifiedTM in order to achieve sustainable coffee farming. Therefore, the evidences show that Starbucks treat suppliers and farmers as another important stakeholder group, and have successfully raised the values they are interested in. Starbucks have achieved high loyalty of suppliers and farmers by providing on time payment, fair rates of payment and practice fair trade with them (Starbucks, 2010). 2.2.3 Employees Nature of Interest and Power The last group of stakeholders will be analysed is employees. Workers have the power union bargaining, work actions or strikes. As human capitals are very important assets to a company, their interests have to be considered carefully as well. Employees are looking for a firm that could provide stable employment and fair rate of pay for them. Also, employees want to work in a safe and comfortable environment (Friedman and Miles, 2006). According to Starbucks official webise: Starbucks believe every person deserves to be treated with respect and dignity, and is entitled to a fair, safe and humane work environment. This is deeply held value at Starbucks and one of our Guiding Principles. Our commitment to this value applies as much to our own workforce as it does to the workers employed by our suppliers (www.starbucks.com). Starbucks also take international labour standards and principles related to working conditions into consideration, including employees health and safety, minimum wa ge, freedom of association and security etc. As part of C.A.F.E. Practices, Starbucks developed a comprehensive system to verify the companys coffee suppliers compliance with international labour standards, including forced labour and child labour practices as well as other environmentally and socially responsible practices. Starbucks goal is to provide the best possible working environment for their employees in order to attracts and retains talented workers and make them love their jobs. Starbucks regularly collect surveys from employees to review their feeling and opinions, and to offer workers competitive benefits including international benefits. What is more, Starbucks often reward workers with excellent performances and recognise employees efforts. Training opportunities are regularly provided in order to give the workers more chance to improve. At Starbucks, workers rights are respected and workplace policies are always upheld. Finally, Starbucks always ensures employees are working in a safe and healthy work environment (Scribd, 2010). 3.0 Stakeholder Analysis and CSR Stakeholder theory is a way of clarifying and responding to the demand and expectations placed on companies, and this is why stakeholder management has been seen as something that companies can do to become more socially responsible. (Griseri and Seppala, 2010, p44). It is true that Starbucks have considered employees interests thus paid more attention to reducing child and forced workers; and customers demand of high-quality coffee have let Starbucks to consider the environmental issues and so on. Therefore, from this point of view, stakeholder analysis do help firms to further assess and develop their corporate social responsibility such as workers rights, environmental sustainability and obligations to the broader community. However, Griseri and Seppala (2010) also suggested that there is no clear relationship between stakeholder interest and CSR. This is because currently the stakeholder analysis does not offer ways to analyse stakeholders interests based on CSR principles, but b y taking wider range of values into considerations, stakeholder analysis should to some extent help firms to make better decisions (Scherer Palazzo, 2010). 4.0 Conclusion In conclusion, this essay has defined CSR and introduced Starbucks historical CSR efforts for environmental issues, climate change and broader community issues etc. These analysis have showed that as a famous and successful brand name, Starbucks have contributed much efforts to its obligated CSR. These efforts have been realised by the society and hence helped Starbucks to further strengthen its brand image. By carrying out stakeholder analysis, three different group of stakeholders were outlined in the essay, and their interests were discussed. Starbucks have concerned these stakeholders power and interests and have been reacting to their requirements and demands. The analyses showed that Starbucks have successfully improved the values that different stakeholders are interested in. Finally, the relationship between stakeholder analysis and CSR was discussed, which concluded that even though there is no clear relationship between them, but stakeholder analysis should allow firms make decisions with higher quality (Scherer Palazzo, 2010).

Free Glass Menagerie Essays: Parallels to Williams Life and Symbolism :: The Glass Menagerie

The Glass Menagerie:   Parallels to Williams' Life and Use of Symbolism The Glass Menagerie by Tennessee Williams is a touching play about the lost dreams of a southern family and their struggle to escape reality. The play is a memory play and therefore very poetic in mood, setting, and dialogue. Tom Wingfield serves as the narrator as well as a character in the play. Tom lives with his Southern belle mother, Amanda, and his painfully shy sister, Laura. The action of the play revolves around Amanda's search to find Laura a "gentleman caller. The Glass Menagerie's plot closely mirrors actual events in the author's life. Because Williams related so well to the characters and situations, he was able to beautifully portray the play's theme through his creative use of symbolism. The Glass Menagerie reflects Williams's own life so much that it could be mistaken as pages from his autobiography. The characters  and situations of the play are much like those found in the small St. Louis apartment where Williams spent part of his life. Williams himself can be seen in the character Tom. Both worked in a shoe factory and wrote poetry to escape the depressing reality of their lives, and both eventually ended up leaving. One not so obvious character is Mr. Wingfield, who is the absent father seen only by the looming picture hanging in the Wingfield's apartment. Tom and Williams both had fathers who were, as Tom says, "in love with long distances." Amanda, an overbearing mother who cannot let go of her youth in the Mississippi Delta and her "seventeen gentleman callers" is much like Williams own mother, Edwina. Both Amanda and Edwina were not sensitive to their children's feelings. In their attempts to push their children to a better future, they pushed them away. T he model for Laura was Williams' introverted sister, Rose. According to Contemporary Authors "the memory of Rose appears in some character, situation, symbol, or motif in almost every work after 1938." Edwina, like Amanda, tried to find a gentleman caller for Rose. Both situations ended with a touching confrontation with the caller and an eventual heartbreak Tennessee Williams's brilliant use of symbols adds life to the play. The title itself, The Glass Menagerie, reveals one of the most important symbols. Laura's collection of glass animals represents her fragile state. When Jim, the gentleman caller, breaks the horn off her favorite unicorn, this represents Laura's break from her unique innocence.

Will the Internet Make the World Closer Argumentetive Essay

Will the Internet Make the World Closer Argumentetive Essay Saleh Alansari [email  protected] com Sunday,Oct 28 , 2012 One press of a button on your laptop can show you another world. Internet makes many of changes at several of scopes, such as obtainig credible sourses and developing huge range of commissinons (Wellman, 2002). For example, the high commission of developing the transportation, education, tourism, and presenting the civilization from country to another country (Wellman, 2002).Nowadays, the internet is already a part of our society (Wellman, 2002). In the 1970s, an international network of networks had been created and then computers, telephone lines, and radio networks had finally started working (Poole, & Schuyler, & Senft, 1999). After these developments, would human’s life be completely transformed? Even though there are different levels of technology around the world, Wellman mentions the levels do not matter about the Internet’s impact on both soc ieties and individuals today (Wellman, 2002).The Internet will make the world closer in business, communication and education. First of all, there are many ways that will improve business by Internet and the technology. Internet can lead businessman or businesswomen to communicate with their workers easily. As well as it can help people to find a great business. Internet in these days is very important for many people, notably businessman or businesswoman. However, that is significant for a lot of other, such as people who do not have enough money to travel to find new businesses and featured for many of them.What has the Internet developed in our business? Is not too hard to answer this question if we look at the development of ordering, accounting, selling, advertising, and managing (Michal, 1997). Businessman or businesswomen can easily see themselves only as consumers whose participation is limited to purchasing decision that together add up to a market force pushing one way or another to develop their business (Zittrain, 2008). In short, the Internet has encouraged people to develop their businesses in easy way.Second, people who usually using the Internet are more likely to use the Internet in a variety of social activities and to communicate with friends and family members (Wellman, 2002). The presence of the Internet is important in many things, such as access to resources, social interaction, and communication to local community and outside community (Wellman, 2002). People these days are traveling and mostly of people are studying outside of their own countries in order to achieving at least one of their dreams. At the same time, they always like to have a connection with their friends and families.They are lucky because they are in the era of globalization, developed Internet and the evolution in this world of technology day by day. Now, everyday we hear about a new device of specializing in telecommunications, such as iPhones, Galaxy, etc and it is clearly connected to the Internet server. Most people who use the internet say that the Internet has increase their communication between family members and friends as well as it has a unique quality as a communication channel and the ability to easily connect with others who has similar interest, values, and beliefs. (John, & Katelyn, & McKenna, 2004).Third, there are many reasons that help to say online education is great in someway, such as accessible 24 hours and student-centered teaching. The Internet leads students to study whenever and wherever they want (Online Education Database, 2012). For example, they can travel for their pleasures or businesses and they do not need to focus on their fixed schedules like they should attend their classes on time. Student-centered teaching means everyone has his or her own way to study (Alan, 2009). For instance, some people are more likely to learn online and everyone has his or her owns reasons.Moreover, children can no longer lie to th eir parents about their home works and grades because their schools post those in their web pages and the parents are able to figure out those through the Internet (Michal, 1997). Many students find that they have learned about each other by the Internet also they can reach each other by, emailing and chatting (Wellman, 2002). Students now have great opportunities to study easier more than students before but students in future will have more opportunities to study more easily. Some people might say that the Internet will not make the world closer.It is not closely with each other. For example, when they speak to each other on Skype or chat on Facebook they are not close enough to each other. Also, It might have high possible to increase social and psychological problems (Kimberly, 1999). As well as the Internet can affect decline of ethical people. It is showing many negative subjects. For example, porno websites, which are showing naked bodies, are becoming normal to see by many p eople (Muhammad, 1999). Of course misinformation is developed a lot on Internet (Anne, 2002). Therefore, some people use the Internet as a force to falsify many topics.For example, some websites are present that shows false information about religions, culture and medicine (Anne, 2002). Using Internet incorrectly causes some disadvantages to people such as losing time or having social and psychological problems (Kimberly, 1999). Spending a huge time by using Internet means exactly people waste their time. For instance, many people are using their much time for watching YouTube and looking at Facebook constantly (CNN, 2009) Lots of people especially in Canada check their Facebook every hour (Education, 2009).Also, Internet can cause people to have social serious issues. For example, many people around the world get isolation by people who can use Internet a lot and the isolated people eventually lose their social abilities. For example, they spend much time connecting with each other by texting instead of connecting face to face. Therefore, isolation might cause a psychological problem like depression. However, it is not close to each other but at least they have a way to talk freely and with out pay any money.People should control and solve these problems especially for our new upcoming generations. Also, people who writing false information on the Internet about culture and religious need to solve their problems because that means the exactly meaning of psychological problems (Anne, 2002). Isolation problems are not coming from the Internet only. Many people have those problems with out any effect of Internet. The development of business, education, communication, and civilization are explaining the huge of range benefits we got of the Internet.People spend too much time on the Internet should reschedule their times to avoid social and psychological problems (Kimberly, 1999). To sum up, the Internet had improved our lives in businesses, communication with oth ers, and education. Nowadays, we live with huge growth of technology and anything people want can get it easily by Internet. When we think about how much has the Internet changed in our society, we can look closely at the development for lots of things, such as business, education, communication, civilization, and commission.This shows that the Internet helps to develop our globalization more and more. Also, it explains how the Internet can be one of the biggest helpful services we have in our civilizations. Internet is a helpful and powerful force for doing our work but it can be detrimental, such as a decrease of ethics, an increase of misinformation and sometimes a waste of time. The Internet might be caused some problems, such as social, psychological, and isolation. However, to avoid those problems people should reschedule their times and think about it more seriously before their problems evolve. ReferencesAlan. Pritchard. (2009). Ways of Learning. From http://books. google. c a/books? hl=en&lr=&id=PD2YE3FOpXEC&oi=fnd&pg=PP1&dq=ways%5C+of+learning+&ots=wHs90mPIeG&sig=1sy3LdTKT9wulVFRxkazqExPoY0 Anne P. Mintz. (2002). Web of Deception: Misinformation on the Internet. Fromhttp://books. google. ca/books? hl=en&lr=&id=uS3p9iDooc8C&oi=fnd&pg=PR13&dq=misinformation+is+developed+a+lot+on+Internet. +&ots=tFqFhq60LF&sig=KP4TYnTMtaw9lvTr9G9GCIWiwc8#v=onepage&q=misinformation%20is%20developed%20a%20lot%20on%20Internet. &f=false CNN.Five Clues That you are Addicted to Facebook. Relative April 23, 2009 http://www. cnn. com/2009/HEALTH/04/23/ep. facebook. addict/#cnnSTCVideo Dr. Kimberly S. Young. (1999). Internet Addiction Symptoms, Evaluation, And Treatment. From http://www. netaddiction. com/articles/symptoms. pdf Education. (Nov 1, 2009). Addicted to Facebook?!. From http://www. youtube. com/watch? v=a7MorwJIPCE Hilary Poole, Tami Schuyler, and Theresa M, Senft. (1999). History of the Internet. ABC-CLIO. United States of America. John, A, Bargh & Katelyn, Y, & McKe nna, A. (2004). The Internet and Social Life.From http://www. yale. edu/acmelab/articles/Internet_and_Social_Life. pdf Michal L, Dertouzos, (1997), What Will Be, HarperEdge, United States of America. Muhammad, Hozien. (1999). Pornography and Ethics. William Paterson University. From http://www. muslimphilosophy. com/mih/ethics/e5. htm Online Education Database. Tuesday 10th January 2012. 10 Advantages to Taking Online Classes. From http://oedb. org/library/distance-vs-local/10-advantages-to-taking-online-classes Wellman, B, & Haythornthwaite, C. (2002). The Internet in Everyday Life. Blackwell Publishing. United Kingdom. Will the Internet Make the World Closer Argumentetive Essay Will the Internet Make the World Closer Argumentetive Essay Saleh Alansari [email  protected] com Sunday,Oct 28 , 2012 One press of a button on your laptop can show you another world. Internet makes many of changes at several of scopes, such as obtainig credible sourses and developing huge range of commissinons (Wellman, 2002). For example, the high commission of developing the transportation, education, tourism, and presenting the civilization from country to another country (Wellman, 2002).Nowadays, the internet is already a part of our society (Wellman, 2002). In the 1970s, an international network of networks had been created and then computers, telephone lines, and radio networks had finally started working (Poole, & Schuyler, & Senft, 1999). After these developments, would human’s life be completely transformed? Even though there are different levels of technology around the world, Wellman mentions the levels do not matter about the Internet’s impact on both soc ieties and individuals today (Wellman, 2002).The Internet will make the world closer in business, communication and education. First of all, there are many ways that will improve business by Internet and the technology. Internet can lead businessman or businesswomen to communicate with their workers easily. As well as it can help people to find a great business. Internet in these days is very important for many people, notably businessman or businesswoman. However, that is significant for a lot of other, such as people who do not have enough money to travel to find new businesses and featured for many of them.What has the Internet developed in our business? Is not too hard to answer this question if we look at the development of ordering, accounting, selling, advertising, and managing (Michal, 1997). Businessman or businesswomen can easily see themselves only as consumers whose participation is limited to purchasing decision that together add up to a market force pushing one way or another to develop their business (Zittrain, 2008). In short, the Internet has encouraged people to develop their businesses in easy way.Second, people who usually using the Internet are more likely to use the Internet in a variety of social activities and to communicate with friends and family members (Wellman, 2002). The presence of the Internet is important in many things, such as access to resources, social interaction, and communication to local community and outside community (Wellman, 2002). People these days are traveling and mostly of people are studying outside of their own countries in order to achieving at least one of their dreams. At the same time, they always like to have a connection with their friends and families.They are lucky because they are in the era of globalization, developed Internet and the evolution in this world of technology day by day. Now, everyday we hear about a new device of specializing in telecommunications, such as iPhones, Galaxy, etc and it is clearly connected to the Internet server. Most people who use the internet say that the Internet has increase their communication between family members and friends as well as it has a unique quality as a communication channel and the ability to easily connect with others who has similar interest, values, and beliefs. (John, & Katelyn, & McKenna, 2004).Third, there are many reasons that help to say online education is great in someway, such as accessible 24 hours and student-centered teaching. The Internet leads students to study whenever and wherever they want (Online Education Database, 2012). For example, they can travel for their pleasures or businesses and they do not need to focus on their fixed schedules like they should attend their classes on time. Student-centered teaching means everyone has his or her own way to study (Alan, 2009). For instance, some people are more likely to learn online and everyone has his or her owns reasons.Moreover, children can no longer lie to th eir parents about their home works and grades because their schools post those in their web pages and the parents are able to figure out those through the Internet (Michal, 1997). Many students find that they have learned about each other by the Internet also they can reach each other by, emailing and chatting (Wellman, 2002). Students now have great opportunities to study easier more than students before but students in future will have more opportunities to study more easily. Some people might say that the Internet will not make the world closer.It is not closely with each other. For example, when they speak to each other on Skype or chat on Facebook they are not close enough to each other. Also, It might have high possible to increase social and psychological problems (Kimberly, 1999). As well as the Internet can affect decline of ethical people. It is showing many negative subjects. For example, porno websites, which are showing naked bodies, are becoming normal to see by many p eople (Muhammad, 1999). Of course misinformation is developed a lot on Internet (Anne, 2002). Therefore, some people use the Internet as a force to falsify many topics.For example, some websites are present that shows false information about religions, culture and medicine (Anne, 2002). Using Internet incorrectly causes some disadvantages to people such as losing time or having social and psychological problems (Kimberly, 1999). Spending a huge time by using Internet means exactly people waste their time. For instance, many people are using their much time for watching YouTube and looking at Facebook constantly (CNN, 2009) Lots of people especially in Canada check their Facebook every hour (Education, 2009).Also, Internet can cause people to have social serious issues. For example, many people around the world get isolation by people who can use Internet a lot and the isolated people eventually lose their social abilities. For example, they spend much time connecting with each other by texting instead of connecting face to face. Therefore, isolation might cause a psychological problem like depression. However, it is not close to each other but at least they have a way to talk freely and with out pay any money.People should control and solve these problems especially for our new upcoming generations. Also, people who writing false information on the Internet about culture and religious need to solve their problems because that means the exactly meaning of psychological problems (Anne, 2002). Isolation problems are not coming from the Internet only. Many people have those problems with out any effect of Internet. The development of business, education, communication, and civilization are explaining the huge of range benefits we got of the Internet.People spend too much time on the Internet should reschedule their times to avoid social and psychological problems (Kimberly, 1999). To sum up, the Internet had improved our lives in businesses, communication with oth ers, and education. Nowadays, we live with huge growth of technology and anything people want can get it easily by Internet. When we think about how much has the Internet changed in our society, we can look closely at the development for lots of things, such as business, education, communication, civilization, and commission.This shows that the Internet helps to develop our globalization more and more. Also, it explains how the Internet can be one of the biggest helpful services we have in our civilizations. Internet is a helpful and powerful force for doing our work but it can be detrimental, such as a decrease of ethics, an increase of misinformation and sometimes a waste of time. The Internet might be caused some problems, such as social, psychological, and isolation. However, to avoid those problems people should reschedule their times and think about it more seriously before their problems evolve. ReferencesAlan. Pritchard. (2009). Ways of Learning. From http://books. google. c a/books? hl=en&lr=&id=PD2YE3FOpXEC&oi=fnd&pg=PP1&dq=ways%5C+of+learning+&ots=wHs90mPIeG&sig=1sy3LdTKT9wulVFRxkazqExPoY0 Anne P. Mintz. (2002). Web of Deception: Misinformation on the Internet. Fromhttp://books. google. ca/books? hl=en&lr=&id=uS3p9iDooc8C&oi=fnd&pg=PR13&dq=misinformation+is+developed+a+lot+on+Internet. +&ots=tFqFhq60LF&sig=KP4TYnTMtaw9lvTr9G9GCIWiwc8#v=onepage&q=misinformation%20is%20developed%20a%20lot%20on%20Internet. &f=false CNN.Five Clues That you are Addicted to Facebook. Relative April 23, 2009 http://www. cnn. com/2009/HEALTH/04/23/ep. facebook. addict/#cnnSTCVideo Dr. Kimberly S. Young. (1999). Internet Addiction Symptoms, Evaluation, And Treatment. From http://www. netaddiction. com/articles/symptoms. pdf Education. (Nov 1, 2009). Addicted to Facebook?!. From http://www. youtube. com/watch? v=a7MorwJIPCE Hilary Poole, Tami Schuyler, and Theresa M, Senft. (1999). History of the Internet. ABC-CLIO. United States of America. John, A, Bargh & Katelyn, Y, & McKe nna, A. (2004). The Internet and Social Life.From http://www. yale. edu/acmelab/articles/Internet_and_Social_Life. pdf Michal L, Dertouzos, (1997), What Will Be, HarperEdge, United States of America. Muhammad, Hozien. (1999). Pornography and Ethics. William Paterson University. From http://www. muslimphilosophy. com/mih/ethics/e5. htm Online Education Database. Tuesday 10th January 2012. 10 Advantages to Taking Online Classes. From http://oedb. org/library/distance-vs-local/10-advantages-to-taking-online-classes Wellman, B, & Haythornthwaite, C. (2002). The Internet in Everyday Life. Blackwell Publishing. United Kingdom.

Things Fall Apart Reflective Statement

REFLECTIVE STATEMENT Response to interactive oral on Chinua Achebe’s Things Fall Apart When I first read Chinua Achebe’s Things Fall Apart I found it very interesting how she was able to show us what was going on in Nigeria at that time, how he showed us the ways of living of the blacks, and whites weren’t the only ones who had a culture, but in fact were the ones who destroyed the African culture. Moreover during the interactive oral interesting themes and issues such as Town Unity and Culture were highlighted, which gave me an even more distinct insight of the characters in the book and how they were affected by these things.Achebe uses the main character, Okwonko as a vessel to depict how ‘Things Fall Apart’; in the novel, and through Okwonko we are able to adequately grasp a lot of cultural practices in Nigeria. Diction in this novel plays a major role, and it is through diction that many of the themes are unlocked and also the diction used in th e novel, effectively induces you into the culture and lifestyle of the Nigerians. Achebe uses Proverbs, Short Songs, Nigerian Words and Some Literary devices like metaphors and similes.These all contribute to keeping you in-tune with what kind of setting you are in and in this case Nigeria. The women in this novel are characterized too be empowered and they genuinely help each other, through Ezinma, who is even a little girl and the only daughter from Okwonko’s first wife, you can tell how strong willed she is, as she even tells her dad to eat his food when he wasn’t in the right state, she was also even seen by Okwonko as the ideal son, in contrast to Nwoye who is actually even a boy.Okwonko’s wives also in the novel stick together and look out for each other; the prepare food for each other’s children when one happens not to be around and they also even go on to lie for each other. Wrapping it all up, the interactive oral gave me a better understanding of the book and brought to light many details that were covered. Through diction and proper documentation of the novel Chinua Achebe’s Things Fall Apart also taught me many things about Nigeria and their various cultures.

Financial Inclusion Essays

Financial Inclusion Essays Financial Inclusion Essay Financial Inclusion Essay CONCEPT OF FINANCIAL INCLUSION Financial inclusion denotes the provision of affordable financial services, (viz. , access to payments and remittance facilities, savings, loans and insurance services) by the formal financial system to those who tend to be excluded. The various formal financial services include credit, savings, insurance, pension and payments and remittance facilities. The most commonly understood objective of financial inclusion is to extend the scope of activities of the organized financial system of banking services mostly, to include within its ambit people with low incomes. In India the emphasis of the financial inclusion programmes at present is restricted to ensuring a bare minimum access to a savings bank account without frills, to all. Globally, financial exclusion has been observed in a much wider perspective. Merely having a current account/savings account on its own, is not regarded as an accurate indicator of financial inclusion. Narrowly, financial exclusion denotes a situation where people do not possess either a saving account or a loan account with a formal banking institution. Though this explanation is useful to recognize the unbanked individuals uickly, it does not seem to be appropriate to undertake an in depth study on the nature and drivers of financial exclusion. A more comprehensive definition of financial exclusion endeavours to relate it to the exclusion from the main stream financial system, comprising of banks and other financial institutions, insurance companies etc encompassing other ideas of financial illiteracy, financial discrimination and financial exploitation. Financial literacy tends to be associated more with numeracy skills and also the ability to understand more complicated products. : Financial awareness on the other hand would indicate a cursory nderstanding of what instruments are out there and which one can take advantage of. The low level of financial literacy is sometimes blamed on the failure of many government initiatives to increase financial inclusion. However, in many cases, the lack of information that the target beneficiaries display may be the result of lack of information or lack of financial awareness. While studies show mixed results in the long term impact of financial literacy training, lack of financial awareness should be much easier to correct. Specifically in the context of the financial inclusion drive, media reports have pointed owards the low levels of financial literacy as one of the reasons why the drive has failed. While ensuring that the entire unbanked population of India becomes financially literate seems like a formidable task, ensuring that the unbanked population hears about the drive, the benefits of a savings account and how to use one seems much more achievable. Absolute financial exclusion results in poverty and this consequently leads to social exclusion. The outcome of social exclusion is again financial exclusion and thus a vicious cycle is shaped. This also causes financial iscrimination and even worse, financial exploitation of the poorer sections of the society. At a micro level, the division between haves and have-nots keeps broadening, while at a macro level, this shakes national and economic growth. Markets exclude people on the grounds of lack of sufficient income which can be translated into purchasing power, lack of assets whether physical or financial, lack of capabilities acquired through education, training or experience which are translatable into labor, and those sections of people that have no market values such as tribal populations. In India, most authors have categorised these causes based on atterns in deifferent case studies as: 1. Most frequent including low income, nil or low savings, lack of assets, unemployment and use of inappropriate products. 2. Less frequent including psychological/disability issues, feeling of being excluded, indigenous/ethnic issues, geographical remoteness, lack of pc/internet access etc. 3. Personal factors such as cultural norms, gender, age and legal identity VARIOUS DIMENSIONS OF FINANCIAL EXCLUSION 1. Access Exclusion People may be monetarily excluded either by denying a savings account or a loan or credit account to them by the banks. Banks appear to be contented in offering saving ccount to people as it does not implicate any risk, except for verifying the identity of the customer. But, banks are very often unwilling in opening loan or credit account as they have to make some risk valuation in respect of the prospective borrower. Thus some individuals do not get access to credit account as they are expected to be assessed credit unworthy by the banks. . Condition Exclusion Sometimes certain conditions attached to financial products make improper to the disadvantaged people. The most common instance being prescribing margins and asking collateral securities, a problem that was addressed recently by the Ministry of Finance, Govt. of India by directing the banks to sanction education loans up to 4 lakhs without any collateral security. 3. Price Exclusion The prices (mainly interest rates) and service charges of selected financial products are not attractive to the prospective borrowers. If the banks are reluctant to offer these products at reasonable rates, people particularly living on low income may find themselves excluded from the conventional banking system. 4. Marketing Exclusion Since the advent of financial reforms in 1991, banks both Public Sector Banks and New Generation Private and Foreign Banks have been in a cut throat competition to ntice high worth customers. They seem to have been implementing marketing tactics for their products targeting at the high valued customers. This customer categorisation in practice excludes the poor and vulnerable from the banking system. The opening up of large number of NRI branches is enough to exemplify this issue. 5. Geographical Exclusion People living in far-flung and geographically terrain places are at the risk of being financially excluded. Bank closures in a specific geographical area may even lead to the financial desertification of that area. 6. Technological Exclusion In the recent technological era banks have undergone a transformation from the Brick mortar infrastructure staffed banks to internet and mobile banking. Such new generation banking techniques cannot be practiced by people having no basic understanding in computer related processes. Hence such people are likely to be excluded from the contemporary banking operations. Financial inclusion has many benefits. Following are some of the benefitssummed up. It paves the way for establishment of an account relationship which helps thepoor to avai a variety of savings products and loan products for housing ,consumption, etc. An inclusive financial system facilitates efficient allocation of productiveresources and thus can potentially reduce the cost of capital. This also enables the customer to remit funds at low cost. The government canutilize such bank accounts for social security services like health and calamityinsurance under various schemes for disadvantaged. From the banks point of view, having such social security cover makes the financing of such personsless risky. Reduced risk means more flow of funds at better rates. Access to approp riate financial services can significantly improve the day-to-day management of finances. For example, bills for daily utilities(municipality, water, electricity, telephone) can be more easily paid by usingcheques or through internet banking, rather than standing in the queue in theoffices of the service. Transfer of money can be done more safely and easily by using the cheque,demand draft or through internet banking. A bank account also provides a passport to a range of other financial productsand services such as short term credit facilities, overdraft facilities and creditcard. Further, a number of other financial products, such as insurance andpension products, necessarily require the ccess to a bank account Lastly, the Employment Guarantee Scheme of the Government which is beingrolled out in200 districts in the country would bring in large number of peoplethrough their savings accounts into the banking system. Cross country experience t has been estimated by Consultative Group to Assist the Poor (CGAP) that about2. 5 to 3billion people around the world are still excluded from basic financialservices. The situation is particularly dire in the Least Developed countries. In mostof the developing countries like India China the extent of exclusion is in the rangeof 25%-65%. So, taking into cognizance the importance of financial inclusion, theinternational community has taken a number of measures to mitigate the hiatusbetween the financially excluded non- excluded. The following analysis describesthe extent measures taken by different countries to mitigate financial exclusion. USA In USA of total households 22% of the low income households gowithout the banks there to provide banking services to all the needy. Some stateslike New York made it mandatory for the banks to provide accounts to all citizens. U. K. Nearly 12 percent of Englands households are unbanked. Free face to face moneyadvice to targeted groups in the areas of high exclusion is in vogue. The govt has setup a Financial Inclusion fund of 120 mn pounds to support initiatives to tacklefinancial exclusion.. An enhanced legislative environment for credit unions hasbeen established, accompanied by tighter regulations to ensure greater protectionforinvestors. A Post Office Card Account (POCA) has been created for those who areunable or unwilling to access a basic bank account. The concept of a SavingsGateway has been piloted. This offers those on low-income employments El fromthe state for very El they invest, up to a maximum of E25 per month. In additionthe Community Finance Learning Initiatives (CFLls) were also introduced with aview to promoting basic financial literacy among housing association tenants. Australia Only 3% of adults lacked bank account in Australia till 2002-03. This has been theresult of continuous Joint efforts by government the banks in educating the peopleabout the benefits of financial products. France In 1984 the bank of France through Banking Act made access to bank accounts alegal right in France. In 1992 the banking industry in France signed a charter oprovide bank account to all. Bangladesh. Grameen bank of Bangladesh under the stalwartship of Md. Yunus hasrevolutionized the movement of financial inclusion. It targeted low income peopleespecially the women (97% of total borrowers) who were denied credit by othercom. Banks. It has successfully posted a recovery rate of 98. 85%. It has also recentlyincluded the beggars within its credit network under a special program i. e. Struggling Members programmed. Approximately 81000 beggars have already beenbenefited by the programme. South Africa. More than half of the population here are below poverty line. Only 4% of otalpopulace has bank accounts 1% only avail credit from formal sources. To dealwith the situation Dakar Conference ha been organized under the banner of U. N. ln2004, UNDP UNCDF Jointly lunched a program called Building Financialsecurity in Africa. MF, U. N. World Bank have extended very good support for building an inclusivesociety in the world. U. N. has framed Blue Book in consultation with thedeveloped underdeveloped countries as a tool guide for policy makers whoseek to build inclusive financial growt Calculation of financial inclusion index Several factors have been used to determine the extent of financial inclusion in ifferent calcul ations across the globe. The most commonly accepted indicator has been the number of bank accounts (per 1000 adult persons) yet this has been regarded as not being the sole indicator in India . Some other indicators are the number of bank branches (per million people), total number of ATMs (per million people), amount of bank credit and amount of bank deposit. Banking sector outreach penetration, loan and deposit accounts per capita, loan-income and deposit-income ratios and so on. All these indicators offer significant and valuable evidence on outreach of the financial system of an economy. However, when used individually, each of these factors provide only fractional information on the inclusiveness of the financial system. A new index on financial inclusion released by ratings firm CRISIL reveals that the number of loan accounts per lakh of population in the southern States stands at 17,142. However, this healthy fgure can be easily offset by the under-penetration of formal banking facilities in most parts of the country Just one in two Indians has a savings account, and only one in seven Indians have access to banking credit! CRISIL used bank branch, credit and deposit penetration (per lakh opulation) to assign scores to each district and then arrived at a score for every State and Union Territory. RBI policy initiatives to foster financial inclusion The Indian economy switched gears in the early part of thiscentury and has been growing at a healthy pace since then. Asbehemoth in the next few years, the average level of prosperityattained by its populace and the degree of equitable distribution of wealth will, in no small measure, be determined by the scaleof inclusive growth that would have been achieved. Financial inclusion is certainly not Just a recent phenomenon. n India, the earliest effort at financial inclusion can be traced back to 1904, when the co-operative movement began in thecountry. A focal event in its evolution was the banknationalisation programme in 1969, when 14 major commercialbanks were nationalised, and the lead bank scheme was, subsequently, introduced. As a consequence, branches wereopened in large numbers across the nation, even in areas thatwere until then unreached by banks. The agenda for financial inclusion was galvanised in the early2000s in India following the publication of a spate of findings about financial exclusion and its direct correlation to overty. Varied studies have proved that xclusion from the bankingsystem results in a loss of 1 per cent to the countrys grossdomestic product (GDP). Policymakers in India are acutely aware that, in a phase of highgrowth, the ramifications of leaving a huge section of the peopleout of the development process could be disastrous and arehence designing appropriate policies for financial inclusion. Complementing the governments efforts, the Reserve Bank oflndia (RBI) has, over the years, undertaken numerous initiativessuch as introduction of priority sector lending requirements for anks, establishment of regional rural banks (RRBs), and selfhelpgroup-bank linkage programmes to augment theavailability of financial services to the poor and marginalisedsegments of society. In the last few years, RBI also initiated the requirement thatbanks provide no-frills accounts, improve the outreach ofbanking services through the business facilitator and business correspondent models, and set up the goal for banks to provideaccess to formal banking to all 74,414 villages with a populationover 2000. This target of covering villages with a population ofover 2000 was largely achieved as of end March 2012 (99. 7 percent). The goal towards financial inclusion has accordingly beenrefined in June 2012; in the next Financial unbanked villages with population of less than 2000 withbanking services. n February 2011, the Government of India and the Indian Banks Association (IBA) Jointly launched Swabhimaan, anationwide programme on financial inclusion, to bring thedeprived sections of society under the banking network, andensure that the benefits of economic growth percolate to alllevels. This programme targets facilitating opening of banks accounts, providing need-based cre dit, remittance facilities andpromoting financial literacy in rural India. Although the target groups may differ from country to country orregion to region, financial inclusion refers, in its broadest sense,to the delivery of financial services at affordable costs to allsections, including the disadvantaged and low-income groups RBI has come up a number of policy initiatives to expand financial inclusion in the country . It has focussed on four aspects of reach, access, transactions and products. It has been successful to some extent in achieveing the objective of inclusion but the result of these policy initiatives are yet to be checked on the touchstone of statistical reality. Reach a. Branch expansion in rural areas Branch authorisation has been relaxed to the extent that banks do not require prior permission to open branches in centres with population less than 1 lakh, which is subject to reporting. To further step up the opening of branches in rural areas, banks have been mandated to open at least 25 per cent of their new branches in unbanked rural cen tres. In the Annual Policy Statement for 2013-14, banks have been advised to consider frontloading (prioritizing) the opening of branches in unbanked rural centres over a three year cycle co-terminus with their FIPs. This is expected to facilitate the branch expansion in unbanked rural centres. b. Agent Banking Business Correspondent/ Business Facilitator Model In January 2006, the Reserve Bank permitted banks to utilise the services of intermediaries in providing banking services through the use of business facilitators and business correspondents. The BC model allows banks to do cash in cash out transactions at a location much closer to the rural population, thus addressing the last mile problem. c. Combination of Branch and BC Structure to deliver Financial Inclusion The idea is to ave a combination of physical branch network and BCs for extending financial inclusion, especially in geographically dispersed areas. To ensure increased banking penetration and control over operations of BCs, banks have been advised to establish low cost branches in the form of intermediate brick and mortar structures in rural centres between the present base branch and BC locations, so as to provide support to a cluster of BCs (about 8-10 BCs) at a reasonable distance of about 3-4 kilometers. II. Access a. Relaxed KYC norms Know Your Customer (KYC) requirements have been simplified to such an extent that mall accounts can be opened with self certification in the presence of bank officials. RBI has allowed Aadhaar to be used as one of the eligible documents for meeting the KYC requirement for opening a bank account. b. Roadmap for Banking Services in unbanked Villages In the first phase, banks were advised to draw up a roadmap for providing banking services in every village having a population of over 2,000 by March 2010. Banks have phase, Roadmap has been prepared for covering remaining unbanked villages i. e. with population less than 2000 in a time bound manner. About 490,000 unbanked illages with less than 2000 population across the country have been identified and allotted to various banks. The idea behind allocating villages to banks was to ensure availability of at least one banking outlet in each village. Ill. Products Bouquet of Financial services In order to ensure that all the financial needs of the customers are met, we have advised banks to offer a minimum of four basic products, viz. A savings cum overdraft account A pure savings account, ideally a recurring or variable recurring deposit A remittance product to facilitate EBT and other remittances, and Entrepreneurial redit products like a General Purpose Credit Card (GCC) or a Kisan Credit Card (KCC) V. Transactions Direct Benefit Transfer The recent introduction of direct benefit transfer, leveraging the Aadhaar platform, will help f acilitate delivery of social welfare benefits by direct credit to the bank accounts of beneficiaries. The government, in future, has plans to route all social security payments through the banking network, using the Aadhaar based platform as a unique identifier of beneficiaries. In order to ensure smooth roll out of the Governments Direct Benefit Transfer (DBT) initiative, banks have been advised to: Open accounts of all eligible individuals in camp mode with the support of local Government authorities. Seed the existing and new accounts with Aadhaar numbers. Put in place an effective mechanism to monitor and review the progress in implementation of DBT. MEASURES TAKEN TO IMPROVE FINANCIAL INCLUSION Few of the factors listed above have already been addressed by the RBI and other banks. KYC Know Your Customer norms has been simplified. Credit cards are made available at an affordable price. The community-bank linkage programme has been initiated. The Indian financial system which is effectively controlled by the GOI and RBI has een reacting positively in order to solve the problems of FE. Detailed study has been conducted by various committees and they have suggested several STEPS to be taken by the RBI AND GO. These steps were RECOMMENDATIONS given by expert committees. Steps or recommendations were : BRANCH EXPANSION PROGRAMMES were given a thrust. Incentives were given to those who willingly managed RURAL BRANCES. SHG-Self Help Groups-Bank Linkage programme Support to MFI Micro Finance Institutions Establishing Kiosks in rural locations Kisan Credit Card GCC SBI has been very active in introducing tiny credit cards and other related benefits. Money Management: How to proactively manage money Debt Management: How to control debt and avoid over-indebtedness [1 5] Managing Savings: How to save regularly and in a safe location Financial Negotiations: How to strengthen clients bargaining position vis-? ¤-vis input suppliers, other household members, and financial institutions Use of Bank Services: How banks work and impose charges; How clients can maximize bank services, interact with banks, and effectively use ATMS COMMITTEES ON FINANCIAL INCLUSION 0 Dr. Nachiket Mor Committee To develop a comprehensive monitoring framework to track the progress of financial nclusion and deepening efforts on a nationwide basis 0 Sambamurthy Committee A technical committee on mobile banking to examine the options and alternatives including the feasibility of using encrypted SMS based funds transfer using an application that can run on any type of handset for expansion of mobile banking in the country. CONCLUSION 0 Drift from objective of social impact to profit maximisation 0 Rates of interest 0 No scientific evidence or statistics on strategies and products. 0 Minimal level of education required. 0 Cost of small value transactions. 0 Psychological facts still persist. The issue of financial exclusion is widespread in India. The existing financial inclusion strategies are not seemed to be effective in creating an inclusive financial system which is very important in attaining inclusive growth. Opening no frill accounts does not seem to be the only panacea for solving this problem. Measures will have to be taken by the government to economically activate the people so that the demand for financial product arises, leading to the effective financial inclusion of people. In countries with diverse social and economic profile like India, financial ducation is particularly relevant for people who have poor resources and who operate at the margin and are vulnerable to persistent downward financial pressures. With no established banking relationship, the un-banked poor are pushed towards expensive alternatives. The challenges of household cash management under difficult circumstances with few resources to fall back upon could be accentuated by the lack of skills or knowledge to make well informed financial decisions. Financial education can help them prepare ahead of time for life cycle needs and deal with unexpected emergencies without assuming unnecessary debt

The Presumption of Innocence Essay Example | Topics and Well Written Essays - 750 words

The Presumption of Innocence - Essay Example Amid this reality, justice must be the grandest virtue in a democratic society and truth must be its basic attribute. The laws and institutions become nothing and insignificant if these used as an instrument for injustice. The latter will drumbeat the call for reformation and abolition of these structures if it perpetuates discrimination, human rights violation, deprivation of liberty, and if the rights of the citizenry are bargained for elitist interest. Injustice is unbearable. It dehumanizes and alienates us from our political ideals or convictions. Justice is supposed to at the core of civilization’s social contracts. Many political and social philosophers have made noble abstractions and theories about systems of governance and yet they commonly agreed that justice’s guiding principles are the foundational pillar required to safeguard free and rational persons to experience equality as they associate with the rest of the civilization. Through this, they will be abl e to specify the nature and kind of social cooperation or collaboration needed to form that kind of government for the enjoinment of their basic rights and the performance of duties. It also defines the social benefits they needed to relish therefrom. It’s also through this dream for a just society that fellows are able to establish regulations and policies to set norms for social behavior and interaction. Every person must decide with reasonable reflection on what constitutes good and that which is fair against the unjust; equitable against inequitable. True, peoples progress, develop, and change. The nature of social contract for a just society also evolves. The populace social conduct became its culture and the past became historical facts unearthed to shed understanding for the present. Those bloody wars of the past and the conflicts that espoused the evolution of society also alter the course or direction of a nation. Many of those social phenomena required application g enuine justice for social healing and to embody a nation of social cohesion.  

Sand creek massacre Research Paper Example | Topics and Well Written Essays - 500 words

Sand creek massacre - Research Paper Example Though there was chaos and panic upon the start of the attack, some Native Americans refused to fight. Chief Black Kettle and Chief White Antelope of the Cheyenne stood with their arms folded, having unsuccessfully tried to stop the raid, signifying that even now they would not take up arms or move against the attacking soldiers3. Chief Black Kettle also hoisted the American flag atop his lodge, along with the white flag of surrender, as he had been promised by Colonel Greenwood, Commissioner of Indian Affairs, that should he fly the American flag he would be under the protection of the soldiers and kept safe4. However, on that day, it did not help to save his people. Men, women, and children were killed without reason or sympathy, even those that put white cloth on sticks and showed their surrender5. Nothing mattered to Chivington but clearing out the Native Americans, and their hatred knew few bounds. Chivington wasted no time in celebration. He gleefully sent a telegram that informed his superiors of his victory, stating that between 400 and 500 Native American warriors were killed (in reality, it was 105 women and children, and 28 men)6. However, Chivington took delight in making it sound as though it had been the result of a very long and hard-won battle, praising his officers lavishly as he did so7. He had lost only nine men and had 38 wounded, mostly from friendly fire8. The encampments of both tribes were burned to the ground, on the orders of Colonel Chivington, before the soldiers rode away9. Though the bloodlust for Native Americans had been satisfied, the results would damage Native American relations for years to come. Chivington, as well as others, were called to testify before Congress, to the Joint Committee on the Conduct of the War. According to the published report, it was found that his acts were