Tuesday, December 31, 2019

Charles Dickens Great Expectations End Analysis

As Aristotle suggests, an ending must simply be the logical conclusion of all that has preceded it. An illogical ending will yield an unsatisfying narrative, and even a surprise ending must have some internal consistency to it. Therefore, internal consistency is a criterion of a good literary ending. Another criterion of a good literary ending is that it be one that is consistent with the theme and tone of the novel. The ending must also leave the reader with the impact intended by the author. In other words, an ending is what the author is really trying to say. The global, political, and social commentary in literature is embedded in the way the narrative ends. In the case of Great Expectations, Charles Dickens ultimately selected the ending in which Pip and Estella are reunited, leaving open the precise way their newfound emotional intimacy will develop. This is the most logical, as well as most satisfying, ending for the story because it meets all of the aforementioned criteria: i ncluding textual and thematic consistency. Pip and Estella need to deepen their emotional bond so that Dickens can send a message about the importance of honesty and integrity in human relationships. Pip and Estella are both orphans, even if Estella is only symbolically one. Their shared childhood experiences related to having people other than their parents raise them make them perfect for one anothers growth and identity formation. They ultimately catalyze each other, albeit in differentShow MoreRelatedCharles Dickens Great Expectations964 Words   |  4 PagesOliveros British Literature H February 24, 2016 TITLE Throughout Charles Dickens’ Great Expectations, minor characters help in the development of Pip and his psychological state. The novel journeys with Pip as he grows from a poor, young boy to an adult in the upper class. Difficult situations, suspense, and dynamic characters fill the novel. Julian Moynahan, a professor emeritus of literature at Rutgers University, analyzed Dickens’ novel and produced excellent parallels between a select few of theRead MoreGreat Expectations1707 Words   |  7 PagesGreat Expectations Human nature is the psychological and social qualities that characterize humankind. Human nature separates humans from the rest of the animal kingdom. The underlining theme of human nature is evident in Great Expectation by Charles Dickens use of his characters. A main characteristic that Dickens displays is friendship. The friendship between Pip and Herbert is strong. Herbert was significant to Pip’s growth in social class and eventual to his revelation. â€Å"Friendship was oneRead MorePip’s Character Change in Charles Dickens Great Expectations1173 Words   |  5 PagesPip’s Character Change in Charles Dickens Great Expectations Great Expectations, by Charles Dickens is a compelling story rich in friendship, love and fortune. The main character, Pip, is a dynamic character that undergoes many changes through the course of the book and throughout this analysis, the character Pip, will be identified and his gradual change through the story will be quoted and explained. The main character, Pip, is a gentle character. His traits include Read MoreCritical Analysis Of Great Expectations1449 Words   |  6 Pageswork of fiction is, however, dependant on who is reading it at the time. In the case of Great Expectations there are a number of themes running through the text including betterment through education, what it is to be a gentleman, respectability and crime, parental /family ties, and industry and idleness. Many of the original readers of the work were not concerned with analysing these various themes, and how Dickens put the work together. Rather, it was enjoyed as a populist piece of fiction which simplyRead MoreUnderstanding the Plot of Great Expectations by Charles Dickens2205 Words   |  9 Pagesloose ends of the plot are tied up and the conflicts and climax are taken care of. In conclusion, the resolution is when the story comes to a reasonable ending. Charles Dickens’s novel Great Expectations is an excellent example of how a well developed plot, and many subplots hidden within the main, can create many twists and turns and make what may seem like a ‘fairy tale’ story a much more interesting and complex one. The protagonist of the navel is a seven year old boy named Pip. Dickens decidesRead MoreAnalysis of The Hanged Mans Bride, The Trial for Murder and Confession Found in a Prison2347 Words   |  10 PagesAnalysis of The Hanged Mans Bride, The Trial for Murder and Confession Found in a Prison Introduction Based on my study of Charles Dickens, I have decided to focus upon three short stories to write about in detail. These are: The Hanged Mans Bride, written in 1860, The Trial For Murder, written in 1865 and Confession Found in a Prison, written in 1842. To enable me to understand the stories better and also Dickens interests and motivations, I have carried out necessaryRead MoreThe theme of isolation in Great Expectations through Miss Havisham.3108 Words   |  13 PagesQuestion: How does Dickens in his portrayal of Miss Havisham explore the theme of isolation? The oldest of eight children, Charles Dickens was born in Portsmouth in 1812. Dickens experienced a very traumatic childhood which included the ordeal of seeing two of his brother pass away. John Dickens, his father, worked as a clerk in the Navy Pay Office, due to his occupation, the Dickens family had to move a lot. Financial problems led to the imprisonment of John Dickens, who couldnt afford to lookRead MoreAnalysis Of Charles Dickens Great Expectations3684 Words   |  15 PagesOlivia Smith Mr. Oravec AP Literature and Composition 27 January 2014 Analysis Charles Dickens’ Great Expectations â€Å"And as to the condition on which you hold your advancement in life—namely, that you are not to inquire or discuss to whom you owe it—you may be very sure that it will never be encroached upon, or even approached by me, or by any one belonging to me.† (Dickens, 177). This excerpt foretells the main theme of the novel, Pip’s journey of self-improvement. The main theme of the novelRead MoreCharles Dickens s A Christmas Carol1923 Words   |  8 PagesEnglish author Charles Dickens has written many well known novels such as Oliver Twist and A Christmas Carol, of which both have a recurring theme: the expectations of society. During the Victorian Era, England was over populated and had terrible living conditions, with an enormous gap between the rich and the poor. Generally, people during the Victorian Era were not allowed to talk about things such as sex and crime, and had to live by strict social rules set by society. With the social disparitiesRead MoreDickens Creation of Sympathy for His Characters in Great Expectations2048 Words   |  9 PagesDickens Creation of Sympathy for His Characters in Great Expectations Charles Dickens was born on February 7th 1812, the son of John and Elizabeth Dickens. John Dickens was a clerk in the naval pay office. He had a poor head for finances and in 1824 found himself imprisoned for debt. His wife and children (with the exception of Charles) were, as was normal, imprisoned with him. Charles was put to work at Warrens Blacking Factory, where conditions were terrible. When his

Sunday, December 22, 2019

Essay on Freddie Mac Ethics - 1107 Words

Freddie Mac is in the home mortgage business. It is their jobs to help low income families find affordable housing. Freddie Mac has been in business since 1970. They were created in order to get more American families in to their own homes. Their mission statement says, â€Å"Our statutory mission is to provide liquidity, stability and affordability to the U.S. housing market† (FreddieMac.com, 2014). Despite this honorable mission statement, Freddie Mac was involved in a case of accounting fraud that went on from 1998 to 2002. The lack of ethics at this company started with top brass setting the tone, and the rest of the company following suit. Rather than being sticklers for following GAAP accounting principles and internal controls, this†¦show more content†¦According to HUD Freddie Mac and Fannie May are both GSE’s, government sponsored enterprises, and in the U.S. they are the two largest providers of home mortgages. They were created primarily to provide loans to underprivileged and lower economic areas. They are not subject to taxes. They do not fall under the jurisdiction of the Securities Exchange Commission. They have direct access to a 2.25 billion line of credit, and their rates are significantly lower than their competitors, because of their government backing, (Housing and Urban Developement, 2001). The reason the company bought these risky loans was because they have a much higher interest rate. Rather than paying 3.53 or 4% interest on a home loan these people were forced to pay almost double that, between 6 and 7%. The conflict of interest arose from the fact that Freddie Mac was the one whom the recipients of these loans had to try to get refinancing from. They did not want to refinance the high interest mortgages into lower interest ones. This caused them to have a conflict of interest. They were not interested in helping people to save their homes because they were making money off the interest. Many people were in need of refinancing, which would effectively pay off the higher interest rate loan and create a new loan with more affordable prices. Freddie Mac refused to help these people out of their mortgages, effectively because theyShow MoreRelatedFraud Case Study1516 Words   |  7 PagesFreddie Mac Fraud Thanaphan Darnsomboon PME604 Project Financial Management National University December 18, 2012 Freddie Mac Fraud The definition of fraud is â€Å"an intentional deception or deceit, perpetrated for profit or to gain some unfair or dishonest advantage† (dictionary.com). Fraud is a breach of law and can be punishable by law. Mortgage fraud is one of the financial crimes where a company materially misrepresents or omits information on its mortgage loan documentation in order toRead MoreThe Looming Of A Miracle Worker Essay1251 Words   |  6 Pagesfamilies, and from it blossomed a thorny rose of a new standard of business ethics. The intention of assisting low-income families started becoming more prevalent under Bill Clinton’s administration, and can traced to 1992 with the creation of the Office of Federal Housing Enterprise Oversight (OFHEO). In time, from administration to administration while people either looked away or got paid under the table the remaining ethics of every the American industry vanished, leaving in its wake a crisis whichRead MoreWhat Are Ethics And Their Im portance? Global Banking And Business Today? Essay963 Words   |  4 Pages1. What are ethics and their importance in global banking and business today? Ethics are an extremely important in today’s day and age, especially in the global banking and business industries. As far as banking goes, there have been many scandals and this has all been caused by low morals. The morals that are displayed and acted upon by every countries financial sector have been shown to drive the economy and as displayed by the 2008 financial crisis, it is self-evident that a lack of morals canRead MoreOrganizational Culture, Management Philosophy And Ethics999 Words   |  4 PagesIntroduction Organizational culture, management philosophy and ethics in business each have an impact on all areas of the organization; from operations, marketing, and, accounting. No matter the size, industry or level of profitability of an organization, business ethics are one of the most important aspects of long-term success. According to Webster’s dictionary, ethics can be defined as the â€Å"rules of behavior based on ideas about what is morally good and bad† these rules influence every aspectRead MoreThe Basics Of Accounting For Small Businesses1472 Words   |  6 Pagescorrect report, tailored to your business, in order to succeed and keep track of your company’s finances. Furthermore, with regulations and laws set in place, it is important to know the standards that are set and to abide by them. A portion of business ethics is being transparent and allowing your reports to truthfully represent the financial position of your business. According to the article, â€Å"The Basics of Accounting for Small Businesses,† a financial report is an analysis of the financial data recordedRead MoreWas the U.S. Federal Government’s 1932 Intervention in the Market for Home Ownership Desirable? How Did the Creation of Fannie Mae in 1938, Ginnie Mae in 1968, and Freddie Mac in 1970 Expand Homeownership and Shape1161 Words   |  5 PagesWas the U.S. federal government’s 1932 intervention in the market for home ownership desirable? How did the creation of Fannie Mae in 1938, Ginnie Mae in 1968, and Freddie Mac in 1970 expand homeownership and shape lending practices at banks and other mortgage lending firms? Yes, I do believe that the U.S. federal government’s 1932 intervention in the market for homeownership was desirable, not only for the government but also for potential home owners as well as those in construction, etc. PriorRead MoreSimultaneously, The Community Reinvestment Act (Cra) Of1320 Words   |  6 Pagesmeet government mandated quotas of holding such loans. This inevitably led to loan originators like Countrywide using â€Å"the ‘originate and distribute’ model of spreading risk around: it bought mortgages, then quickly sold them to Fannie Mae and Freddie Mac and others† (Wessel, 2009, p. 117). And when you can theoretically spread risk around, especially to government guaranteed enterprises, you’re much more likely to accumulate more and more of it because higher risk also theoretically leads to higherRead More Ethics Can Make the Difference Essay2336 Words   |  10 PagesEthics Can Make the Difference Ethics are â€Å"rules or standards that govern the conduct of members of a group† (Roland). In every work environment there are a predetermined set of ethical standards the company has put forth for its employees to abide by. But in the technologically fast paced world of today, the lines of what is ethical and unethical blurs easily. While some will argue that any information that is accessible should be able to be read by anyone looking for it, othersRead MoreFinancial Crisis 20081224 Words   |  5 Pageswhether borrowers could repay. Conflict of interest - On April 18, 2006, home loan giant Freddie Mac was fined $3.8 million, by far the largest amount ever assessed by the Federal Election Commission, as a result of illegal campaign contributions. Much of the illegal fund raising benefited members of the United States House Committee on Financial Services, a panel whose decisions can affect Freddie Mac,[94] but also benefited Republican politicians in general. Some lawmakers received favorableRead MoreFinancial Crisis 2008 Essay1160 Words   |  5 Pageswhether borrowers could repay. Conflict of interest - On April 18, 2006, home loan giant Freddie Mac was fined $3.8 million, by far the largest amount ever assessed by the Federal Election Commission, as a result of illegal campaign contributions. Much of the illegal fund raising benefited members of the United States House Committee on Financial Services, a panel whose decisions can affect Freddie Mac,[94] but also benefited Republican politicians in general. Some lawmakers received favorable

Saturday, December 14, 2019

Manufacturing Management Free Essays

In simple terms, cash flow is how money moves into and out of your business or how the cycle of cash flows in and flows out of your business thereby helping to determine the solvency of your business (How, 2007). Cost flow in a manufacturing firm involves the expense of the direct materials the manufacturer will be needing for business, the cost of direct labor that will need to be paid for as part of the cash flow process along with the manufacturing overhead that needs to come out of the cash flow. Whereas the cash flow in a service firm would not as much involve physical materials in general but the cost of training, marketing, advertising, travel in addition to the expense involved in whatever particular service that firm specializes in. We will write a custom essay sample on Manufacturing Management or any similar topic only for you Order Now In general, in the operations of a manufacturing firm most of the work would be handled in a central location, namely if it is one firm, in that particular manufacturing firm’s location. Travel can be a necessity for the management in some manufacturing firms. Employees and especially management of a service firm would be less â€Å"centrally located† in that service firm employees generally travel to the places and customers which need their services. With manufacturing firms you may have a few individuals who travel to introduce their product but overall the energy and expense would be â€Å"product-related.† Service firms generally do not spend as much time, energy or development or industrial design as most of their time spent in research, development and advertising their particular services. The majority of their time and energy would be service-related and changes more from user to user than would a manufacturer who generally supplies to places that need the products they already manufacture. One would have more blue-collar employees within a manufacturing firm while more white-collar employees would be in the labor force of a service firm due to the different training, education and skills needed for the two different types of firms. Vertical analysis would be â€Å"dividing each expense item in the income statement of a given year by net sales to identify expense items that rise more quickly or more slowly than a change in sales (Vertical, 2007). In using the vertical analysis, an analyst would be able to give management the information results gained by comparing the percentage mark-up of asset items along with how they have been financed. In addition, an analyst would be able to observe the trend of the increase in the assets and liabilities over the years (Vertical 2007). The statements that would be used for the vertical analysis would come from comparing the financial statements of firms that vary in size. Using a balance sheet, the assets, liabilities and the assets would be expressed as 100% whereas each item in the various categories would be expressed as a percentage of the respective totals. In using the common size income statement all the items in the income statement would be expressed as a percentage of the sales while sales is expressed as 100%. Horizontal analysis would be â€Å"the process of dividing each expense item of a given year by the same expense item in the base year. This process allows assessment of changes in the relative importance of expense items over time and the behavior of expense items as sales change† (Vertical, 2007). The most important information the horizontal analysis provides management would be trend. Over several years the direction, speed and extent of the trend can be seen by the information provided by the horizontal analysis. The statement one would use to do the horizontal analysis would be setting consecutive balance sheets, income statement or statement of cash flow side-by-side and reviewing any changes in the various categories on a yearly or multiyear basis (Vertical, 2007). References (2007). â€Å"vertical analysis.† Retrieved April 12, 2007, from The Free Dictionary Web site: http://financial-dictionary.thefreedictionary.com/Vertical+analysis (2007). Vertical and Horizontal Analysis Technique. Retrieved April 13, 2007, from Financial Analysis Revisited Web site: http://cbdd.wsu.edu/kewlcontent/cdoutput/TR505r/page37.htm (2007). How to better manage your cash flow. Retrieved April 12, 2007, from Entrepreneur.com Web site: http://www.entrepreur.com/money/moneymanagement/managingcashflow/article66008.h How to cite Manufacturing Management, Essay examples

Friday, December 6, 2019

Nuclear Weapons Essay Thesis Example For Students

Nuclear Weapons Essay Thesis A major problem concerning the world today is the disposal of nuclear weapons. With the Cold War, we have seen a massive build up of nuclear weapons, and no, that we are no longer in a state of global warfare, what is to be done with them?As a result of the build-up in nuclear weapons during the cold war the world is now facing major environmental problems trying to deactivate them, and in addition major debate are occurring on the policies of disarmament and deterrence as solutions to this global problem.Countries are becoming more aware of the fact that their citizens do not want to have to worry about a nuclear attack or environmental effects of nuclear weapons testing. The people of the world are calling for an end to this senseless destruction of the earth. The explosive power of a nuclear weapon comes from nuclear fission or nuclear fusion, or both in the case of the Hydrogen bomb. A typical small nuclear weapon has the explosive yields of tens of thousands of tons of the conventional explosive TNT. A large nuclear weapon can kill hundreds of thousands of people, and when carried on a ballistic missile, can travel intercontinental distances in less than half an hour. The deployment of tens of thousands of these weapons, primarily by the United Sates and the Soviet Union, has threatened annihilation of millions of people with little or no warning.Strategic (long-range) nuclear weapons include land-based intercontinental ballistic missiles (ICBM), submarine-launched ballistic missiles (SLBMs) and bombs and cruise missiles carried on long-range bombers.Tactical nuclear weapons are shorter-range weapons allocated for regional use or for use in support of battlefield operations. As a result of the Cold War, the build-up of nuclear weapons today has never been greater. The term Cold War refers to the strategic and political struggle that developed after World War II between the United States and its Wester European allies on one side, and the former USSR on the other. The Soviet leaders considered the objections of the United States to Soviet actions in Poland, Hungary, and Romania a betrayal of wartime understandings about spheres of influence in Europe. Therefore the Soviet Union was placed under a military and political barrier.The stockpile of nuclear weapons that available today is the direct result of the arms race which was the highlight of the cold war. Nuclear arms at the time of the cold war were considered to be a way for countries to discourage other countries from attacking, mainly the United States and the USSR, which were the key players in the arms race of the 1950s and 60s.While the dissolution of the Soviet Union has r!educed the concern abo ut nuclear war waged with strategic weapons between the Russia and the U.S., other issues have become more pressing. As far as is known, only eight countries now have nuclear weapons. The five declared nuclear powers are : the United States, over 9,000 warheads deployed and some 11,000 in reserve or awaiting dismantling; Russia, over 10,000 warheads deployed and some 18,000 in reserve or awaiting dismantling; France, over 500 warheads; China, about 450 warheads; U.K., about 300 warheads.In addition to the key countries there are threshold states which have not officially confirmed the possession of nuclear weapons: Israel, India and Pakistan, all countries in which there is great possibilities of a civil war breaking out and the nuclear weapons being utilized. The realization by the people of the massive amounts of nuclear weapons stockpiled and disastrous environmental hazards has caused much protest among the people. During the cold war thoughts of massive destruction and human suffering dominated peoples minds, but no one really knew how grave the situation would be after a nuclear bomb was dropped. Until recently, scientific research had not addressed the potential long-term climatic and environmental damage of a nuclear conflict. Scientific research suggests that a nuclear conflict could inject enough smoke and dust particles into the atmosphere to block out sunlight and cause severe drops in surface temperatures over a significant period of time. This, in turn could adversely affect plants, animals, and humans. The term nuclear winter has been coined to describe these effects. The implications of the theory on a global scale is that non-involved nations, as well as the nations directly involved with the conflict, could be veulnerable to the climatic and environmental effects. Long-term climatic effects were thought by researchers to arise from dust placed in the stratosphere!by near-surface n uclear blasts. However the most significanteffect would be those resulting from ozone depletion, which would allow more unfiltered ultraciolet rays to reach the earths surface. Additional long-term adverse effects would be exposure to high levels of radioactive fallout, cancer and genetic diseases.A large nuclear war would produce irreversible adverse effects on our environment and ecological system. A Doll'S House Essay ThesisThere are a great number of techniques that the people of the earth can use in attempting to destroy chemical weapons. It is finding a technique that will hurt the environment the least and effectively destroy the nuclear and chemical weapons, which is the hard part. Possible methods of destroying nuclear weapons include destruction at high temperatures ( incineration, plasma torch, molten metal), medium temperatures (prolysis, supercritical and wet air oxidation ,hydrogenation) and low temperature (metal oxide catalysis, silver oxidative electrolysis, dry HCI). It is crucial that any military plutonium recovered from American and Russian warheads be stored and disposed of as waste. The preferred way of disposing of plutonium is to re-mix plutonium with the high-level wast from which it was origionally extracted and then vitrify the mixture into highly radioactive glass logs for eventual disposal. START treaties, even if both are ratified and implemented, are not disarmament treaties, but arms control treaties which withdraw nuclear weapons from operationa deployment. Some of these weapons are dismantled, but the majority are being placed in reserve and could be used at some later time to expand deployed arsenals.France, the U.K. and China continue to modernize their nuclear forces. China has recently conducted two nuclear tests a year and is reportedly planning four more tests. France plans eight tests by the spring of 1996. Of the threshold states, Israel seems to have stopped increasing the size of its arsenal, but that arsenal is already as large as that of the U.K. The relationship between India and Pakistan continues tense and unstable; both countries are developing increased capability in longer-range missile sthat can be used to deliver nuclear weapons. More and more countries are resorting to peace-talks in this new age and not resorting to their stockpile of nuclear arsenal, and that should be a relief to many people, but it is not.The global population is still highly aware of the detrimental effects disposal of nuclear weapons and nuclear testing can have on the environment. The global population must be ready to support either deterrence or disarmament, and the constantly changing dield of technology that will help us destroy and get rid of these weapons of war and lead lives more filled with peace.

Monday, November 25, 2019

AICE Diploma What Is It Should You Get One

AICE Diploma What Is It Should You Get One SAT / ACT Prep Online Guides and Tips There are several options for students who wish to accelerate to college-level learning duringtheir high school years. BesidesAP classes and the IB program, there's the AICE Diploma. If you're not very familiar with the AICE program, never fear- this article will bring you up to speed. Here, we'll cover what the diploma is and how you can get it as well as the benefits of pursuing this program (including scholarships and college credit). What Is the AICE Diploma? The Cambridge AICE Diploma(or Cambridge Advanced International Certificate of Education)is an internationally recognized diploma awarded to students for the satisfactory completion of a series of academically rigorous courses specific to AICE in high school. It's viewed as a graduation option in some places:the diploma can stand in for the graduation requirements of certain high schools, although most students will likely earn it in addition to their traditional high school diplomas. The AICE program is also described as an acceleration mechanism, meaning it gets you ready for hard college classes at a more rapid pace than traditional coursework. As withthe AP and IB programs, AICEinvolvesstudying college-level material before you graduate high school. You are also more likely to be accepted into honors classes right away when you get to collegeif you have anAICE (or AP or IB) Diploma under your belt. The whole AICE program is overseen, ultimately, by a branch of the University of Cambridge.The classes are hard, and most are offered at two levels: the Advanced Subsidiary (AS) Level, and the Advanced (A) Level. AS Level classes are one year long and less demanding than their A Level counterparts, which are two years in length. Classes tend to be narrow and specific in focus; the AICE Diploma entails an extremely specialized program. In this way, AICE is more like IB than it is AP (if you're familiar with these programs). With AICE, there are about 50 subjects to choose from across four different groups: Group 1: Mathematics and Sciences Example: Marine Science Group 2: Languages Example: Afrikaans Group 3: Arts and Humanities Example: Hindi Literature Group 4: Interdisciplinary and Skills-Based Subjects Example: Thinking Skills The AICE Diploma is internationally used and recognized, and is accepted at many universities around the world. At some schools, AICE courses will earn you college credits(we'll go over this in more detail when we talk about the benefits of the program shortly). With AICE's degree of international recognition, this is probably a good idea. How to Get an AICE Diploma Students wanting to earn anAICE Diploma must first considerwhether there is a school nearby that offers the program.These AICE classes aren't something you can freelance- you must earn the diploma through an approved school. Andthese schools are much more common overseas than they are in the United States. Furthermore, they'remuch more common in Florida than they are in any other state (though they do exist in the other 49). You can locate the nearest school offering AICE on the Cambridge website. Schools that offer AICE might offer AP and/or IB as well. If you're aiming for a diploma, though, you'll have to commit to one program in the end. You might be able to get a certificate or two from a second program, but don't count on diplomas from the AICE programand the IB program, for instance. Each diploma program entails a number of classes, and it's not practical to think you could fulfill all the requirements of two programs! Once you're enrolled in a program, it's time to think about the classes you'll need to take. Seven credits are required for earning the diploma: one credit each from Groups 1, 2, and 3, and three credits distributed across the groups in any desired combination. The last credit is earned through Cambridge International AS Level Global Perspectives Research.Optionally, up to two credits may be taken fromtheinterdisciplinary and skills-based subjects group.Your exact options when it comes to classes will depend on which courses areoffered at your school. Passing an AS Level exam (corresponding to a one-year course) earns you one credit; passing an A Level exam (corresponding to a two-year course) earns you two credits. You must take all exams within a 25-month period. In each subjectyou can earn an A*, A, B, C, D, or E, or you can fail. An A* is similar to a high A+ in the US, while an E is similar to a C in the US. Yes, you read that right- each letter grade is more impressive than its American counterpart, with even an E being counted as a passing grade. Depending on your scores, you can earn the AICE Diploma at Pass level, with Merit, or with Distinction.There are 20-60 points awarded per credit. Here are the point ranges you must have in order to meet each level of distinction: AICE Diploma at Pass Level: 140-249 points AICE Diploma with Merit: 250-359 points AICE Diploma with Distinction: 360 or more points (maximum score is 420 points) If you don't earn the diploma, you can still be awarded certificates in the various subjects you took, which couldhelp you with getting into college or earning college credit. Imagine if yourto-do list for the AICE Diploma lookedthis simple. What Are the Benefits of the AICE Diploma? There are many ways that earning the AICE Diploma pays off forstudents. Here are a few of the benefitsyou should consider if you're looking intothe program. College Credit Depending on the college youdecide to attend, you can earn up to 45 hours of college credit from the AICEDiploma. Individual course certificates can also earn you college credit if you don't earn the diploma. All of thisdepends on which college you go to, though. You can check out which schools around the worldrecognize AICE at the Cambridge website. Schools in the US are much less likely to recognize AICE than they are AP scores or the IB diploma. Schools in theUS that do recognize AICE tend to cluster in Florida, and AICEis once again a more internationally minded program, with AICE recognition much more commonplace overseas. AICE is recognized at places such as Florida State University, Colorado College, the University of Oxford, and Qatar University. Scholarships In Florida, completing the diploma and 100 hours of community service automatically nets you the Florida Academic Scholarships Awardviathe Florida Bright Futures Scholarship Program. In Kentucky, you can earn a Kentucky Excellence in Education Scholarship that pays out for each E or higher you score on your exams if you're on free or reduced-price lunch. There are also various school-specific scholarships at colleges such as Mississippi State. Check with individual schools for details. Preparation for College AICE is more flexible than IB, allowing students greater choice in the balance of classes they select. If, for instance, a student wants to take four credits in languages and only one in each of the other required categories, that's completely OK! AICE also demonstrates more concern over the amount of time students spend on busywork, remaining committed- by its own declaration- to helping students learn without excessive amounts of homework. On the other hand, AICE courses are more specific in their focus than AP classes are. AP classes are known for their broad and shallow approach, whereas AICE classes narrow in on particular subjects and drill deep. In a lot of ways, AICE seems to be a happy medium between these two other college preparatory programs. Plus, according to studies by the University of Florida and University of Virginia, it also appears that AICE Diploma students earn higher GPAs in college than AP or IB students. All of this indicates that it might not be a bad idea to pursue AICE just for the preparedness factor. In fact, AICE could be a great option for your education as a whole. I'm not saying getting your AICE Diploma willdefinitelymake you feel this good- just probably. Conclusion: What Is the AICE Diploma? AICEis not currently as well known within the US as are its academic counterparts, AP and IB; however, the program definitely has its own merits. The AICE Diploma, which is overseen by the University of Cambridge,demandsthat students fulfill a number of rigorous requirements.This program can earn students recognition, credit, and scholarship moneyat certain schools, and it's also an excellent way to further your education all around. What's Next? For suggestions on when to take AICE over AP or IB, check out our complete introduction to AICE. If AICE doesn't sound like your cup of tea, head on over to our discussion of AP and IB and see which of these programs might be more appealing to you. If you're not clearon what the IB program is, we've got you covered.Take a moment to read about IB classes and the IB program as a whole. Want to improve your SAT score by 160 points or your ACT score by 4 points?We've written a guide for each test about the top 5 strategies you must be using to have a shot at improving your score. Download it for free now:

Thursday, November 21, 2019

Using evidence from at least 3 domains critically evaluate the extent Essay

Using evidence from at least 3 domains critically evaluate the extent to which evolutionary psychology provides an adequate explanation of human behaviour - Essay Example 250). While other theories on human behaviour can explain some types of behaviours better than evolutionary psychology, this branch of study has credibility through understanding that the adaptive traits that are exhibited in human beings are part of a process that can explain all aspects of behaviour from an historic, and prehistoric perspective of viewing the natural adaptive development of the human species. In order to examine the effectiveness in evolutionary psychology in explaining human behaviour, universal conditions can be examined for the common responses that are seen within the species. Using evolutionary psychology as a way of understanding attraction behaviours, for instance, reveals that men and women find each other attractive based on attributes that promote the survival of the species. Women will find men with resources more attractive, while men will find physical attraction, which is associated with good health and child bearing potential, a more important attribute in potential mates (Keil & Wilson, 2001, p. 751). Part of understanding evolutionary psychology requires an understanding that the behaviours that are present within the human species are directed towards specific adaptive purposes. Vuchinich and Heather (2003) argue that addiction behaviours are the result of an evolved psychological mechanism that has been shifted in the process of drug dependence (p. 251 ). This type of exaptation allows the researcher to examine the underlying cause of the responses that an addict will have to addiction seeking stimuli. Finally, looking at the example of aggression allows for the exploration of a set of behaviours that are typically tied to responses that are more blatantly tied to evoked responses. The frustration-aggression hypothesis postulated by Dollard suggests that when faced with a frustrating stimuli that would instigate the behaviour of aggression, a

Wednesday, November 20, 2019

Managing in organisations - Teams and groups and motivation Assignment

Managing in organisations - Teams and groups and motivation - Assignment Example The organization-provided tasks include certain set of activities that have been assigned to team members. The team members do not simply assigned tasks on wish of any senior manager or on the wish of the team member, but an intensive work is carried out in which certain characteristics are taken into account that establish whether a particular team member possesses the required skills essential for meeting the objectives of assigned task. After developing a role for an individual team member, the senior management or team leader attempts to incorporate the tasks and goals of the individual team member with the aggregate goals and tasks of team. This is the ultimate objective of team building. If there is no connection between team goals and the goals of an individual team member, it would be hard for the team to continue performing and obtaining the desired team objectives. However, it may not denied that the individual members of the team may be performing well and meeting their in dividual tasks and objectives. In the absence of achieving team goals, it would be useless to develop team and work collectively. Teams are built to attain synergistic effect from the aggregate contribution of all team members. The concept of synergy can be defined as an output which is more than the numerical total of units. Keeping this view in mind, team is expected to outperform the aggregate total of their individual performance and output and at the same time, the team is required to establish that the intended team objectives are being served. Team encompasses diversity, team size, personality and team leadership. These are the fundamental aspects normally carried out by team. A team is collection of few individuals who collectively makes up a team. In this team, the presence of diversity cannot be ruled out. This could be in the form of racial diversity, age diversity and so on. Subsequent to that, team size is another factor that influences on the aggregate function of team . There exists no ideal number representing an absolute team size. However, team size is largely built up on the basis of its aggregate team objectives. Simultaneously, the role of personality in team cannot be ruled out. Some personalities are introvert and others are extrovert. Each one has its own strengths and weaknesses that directly or indirectly affect team spirit and team members as well. In the following parts of the paper, a distinction between team and group has been provided along with practical work reflection segment. It is followed by diversity portion. After completing this part, team size part has been included. Subsequent to that, personality segment has been incorporated. After completing team leadership, motivation and intrinsic motivation have been discussed. Before the conclusion part, extrinsic motivation and a collective discussion on both intrinsic and extrinsic motivation and rewards have been included. Teams and Groups Team and group are rarely used interc hangeably in organizations. Both have considerable distinction when applied to an organizational context. â€Å"A group can be defined as two or more people who develop interactive relationships and share at least one common goal or issue† (Boyd, 2008, p.190). On the other hand, team can be defined as a composition of two or more persons performing organizationally assigned tasks; sharing one or more common goals; developing and

Monday, November 18, 2019

The UK manufacturing sector has declined significantly over the last Essay

The UK manufacturing sector has declined significantly over the last 40 years - Essay Example This structural change had created disturbances in the labour market as jobs had to be redistributed from declining to growing sectors leading to significant shifts in the design of industrial specialisation at both the national and regional level (Robson 2006). Changing patterns of domestic demand—Pattern of domestic demand saw changes due to economic development. With the maturity of the economy the consumer demand changed from goods to services. Due to increased presence of public sector services, it led to growth of tertiary sector. The shift in UK demand for manufactured goods grew faster than expected, which was hardly relevant for a bigger changeover for the UK industries producing goods. As the pattern of demand is also impacted by changes in the age structure of population, it affected the demographic pattern by 1.68M less people in the age group of 16-24 in 1996 in comparison to 1981. Growth in education, recreation and entertainment sectors suffered due to lack of resources. Statistics show that between 1983-1993, the total actual consumer spending at 1990 prices increased by 33.5% but on recreation, entertainment and education it increased by 55% while on food items it went up only by 11.3% (Lam 2010). Changes in the availability of resources—the availability of resources, as it happened very unexpectedly with oil finding in 1973 and 1979 when OPEC decreased the production of oil, its prices shot upward. It directly affected the substitutes and compliments prices like coal, gas and cars. It affected the production and employment in energy-related industries such as steel industry (Griffith 2003). International competition and globalisation—has been a force affecting the economic structure of the UK. Due to changing consumer tastes, introduction of new products and reducing comparative costs, economic functions got reallocated globally. For example, the UK motor-cycle industry could not meet the standards,

Saturday, November 16, 2019

Care and Management of Asthma

Care and Management of Asthma Asthma is a common incurable disease that affects the small tubes carrying air in and out of the lungs in the airways; it is more common at childhood stage but can also occur at a later age (British Lung Foundation, 2011). The major cause of asthma has not been determined but it is believed that some factors as allergies, exercise and common cold contribute to its development. In the United Kingdom, asthma is being handled primarily by a General Practitioner or nurse. Healthcare can be provided in three major means: Primary, Secondary and Tertiary. They are delivered depending on the severity of an individuals condition. General Practitioners (GPs), Pharmacists, Nurses, Dentists and Optometrists are the main classes of healthcare providers that deliver Primary care. It is the basically the first point of contact for most individuals (National Health Service Choices, 2010). Care distinctively provided in local hospitals is usually on referral from primary care health providers, such t ype of care is basically referred to as Secondary Care. The third aspect of care is the tertiary care which is provided by specialist such as neurologist and cardiologist in a majorly specialised hospital centre for long term treatment. EPIDEMIOLOGICAL OVERVIEW OF ASTHMA Major facts that make Asthma a major health issue in the UK are: In 2008, a total number of 1,204 deaths were recorded from asthma in the UK, out of which 29 were children aged 14 years and under. 1 person every 7 hours or 3 people per day die from asthma 146,000 adults and 36,000 children currently are on treatment for asthma in northern Ireland making it a sum total of 182,000 people (1 in 10)In Northern Ireland 182,000 people (1 in 10) are currently receiving treatment for asthma. This consists of 36,000 children and 146,000 adults. In Scotland 368,000 people are currently receiving treatment for asthma. This consists of 72,000 children and 296,000 adults. In Wales 314,000 people are currently receiving treatment for asthma. This consists of 59,000 children and 256,000 adults (Asthma UK, 2011). the number of adults with asthma in the UK has increased by 400,000 since the last audit of UK asthma in 2001 about 2% of adults consult their GP annually with asthma ASTHMA CARE AND MANAGEMENT AND LOCALITY STUDY OF UK Asthma exists in various forms hence; its heterogeneity has been well established by a variety of studies that have proven the disease risk from early environmental factors and susceptibility genes, inflammation and therapeutic agent response further induces accompanying diseases (Lang et al., 2011). Risk factors associated with asthma are family history of atopic disease, for example Allergic rhinitis Allergic conjunctivitis Male sex, for pre-pubertal asthma, and female sex, for persistence of asthma from childhood to adulthood Bronchiolitis in infancy Parental smoking, including passive smoking Premature birth, especially in extreme-preterm infants who required ventilatory support, with consequent chronic lung disease of prematurity (NHS Choices, 2011) In the UK, asthma is more common among children than in adults and also has an increased rate in women than men (NHS choices, 2010). A condition referred to as acute asthma exacerbation could occur and could sometimes be life-threatening but is mostly rare. Asthma patients are treated with care by GPs and nurses trained for asthma management and such treatments are specific to the symptoms portrayed by each patient. This treatment (Primary care) basically involves: A personal asthma procedural plan concurred with your GP or nurse An annual regular check ensuring proper control of the patients treatment and positive response to the treatment Proper seeking of the patients consent ensuring his/her decision is involved in decision making of his/her treatment Comprehensive detailed information about how to control and manage the patients condition; while a Secondary or Reactive care is enforced in emergency cases to regain control of more high-risk symptoms. In treating asthma, reliever inhalers are given to every patient by the GP; these inhalers serve as immediate relievers and ensure restoration of normal breathing. It functions effectively due to its composition of a short-acting beta2-agonist that works by relaxing the muscles surrounding the narrowed airways (British Medical Journal group, 2011). This further ensures the airways are opened wider, making it easier to breathe again. Salbutamol and terbutaline are common types of this inhaler. They have been proven to be generally safe except when their use is abused although they possess very few side effects. If the asthma is well controlled, then their usage will be minimal; if a patient uses the inhaler for up to three times or more weekly then it is advised that the treatment be reviewed Secondary care and management of asthma is implemented when Patients exhibit a combination of  severe asthma, behavioural and psychosocial features, they hence are at risk of developing near-fatal or fatal asthma. (BTS and SIGN, 2009). Asthma care is dependent on the age of the patients in that children have a different mode of care as compared to adults, a critical look at the adult care is elaborated below. Prior considerations are basically that the patient is registered with his GP, will have to book for an appointment with his GP before visiting (except in emergencies as acute exacerbations), confirmation with the patient of their understanding of the role of treatment, adherence to treatment, inhaler technique, and appropriate elimination of trigger factors as: exercise, drugs foods, emotional factors, weather changes, allergens etc (Shiang et al., 2009) In analyzing the delivery of care to asthma patients in the UK, data from Office for National Statistics shall be addressed. Table 1 below signifies that there was a remarkable decrease in hospital admission in 2000 for asthma; it showed a 45 percent decrease among children between ages 5 and 14 years and a 52 percent decrease among children below 5 years (Office for National Statistics, 2004). TABLE 1 The management of asthma is patient-specific and is delivered by either the GP or asthma nurse; a respiratory nurse specialist works closely with the GP and the patient serving as the best form of encouragement to the patient in the procedural management of his/her asthma condition. The respiratory nurse specialist has a critical role in the management of asthma as elaborated that he/she: Explains the need for various inhalers (ensuring the best is offered to the patient) and provides the patient with information on treatment administered Advices on triggers and how to keep off them Assists the patient in quitting smoking (if applicable) Explicates on how to monitor the condition Provides the action plan of treatment and explains it to the patient. Is always available for assistance both at home and on the phone (NHS Choices, 2006) Nurses are generally recruited into the NHS through the website www.nursebank.co.uk , the Association of Respiratory Nurse Specialists offer courses for development and training of nurses and promote clinical excellence in respiratory care delivery (Association of Respiratory Nurse Specialist, 2010). The selection of a professional nurse in a recruitment procedure is dependent on factors as Years of experience, area of expertise and personal record check. CRITIQUE ON ASTHMA CARE Asthma management involves a wide range of services including primary care, routine follow up, hospital inpatient and outpatient care, proper education and advice of patient, emergency calls and prescribed drugs; these services when combined with the intensity and level of use result to a high cost (Department of Health, 2011). In 2001, England recorded a net ingredient cost of  £442million and around  £33million for inhaled therapy Brocklebank et al (2001). In prescribing drugs, the patient is considered as whether or not to use the drug/device appropriately; the most effective and clinically proven cost effective drug is also reasonably considered. However, restrictions imposed on manufacturers make some inhalers commercially unavailable hence the use of more expensive drugs. The British Thoracic Society (BTS) and Scottish Intercollegiate Guidelines Network (SIGN) have clinical guidelines on the use of inhalers for asthma (BTS and SIGN, 2009) however; there are inconsistencies or absence of recommendations for inhaler devices from these guidelines. Evidence-based guidelines are currently being prepared by the British Thoracic Society (BTS) and the Scottish Intercollegiate Guidelines Network (SIGN). There are criticisms on the effectiveness of the inhaler which largely depends on technique of administration by patient considering experience, physical ability and education on usage (NHS centre for reviews and Dissemination, 2003) CONCLUSION The role of a nurse in quality care delivery cannot be overruled especially in a health condition as asthma which could be critical and possibly fatal. The initial primary care given to asthma patients and subsequent secondary care has been proven to be appropriate in that the health status of patients is being improved. The incorporation of a respiratory nurse specialist has been a major milestone in achieving a better health status for asthma patients in the United Kingdom. REFERENCES Association of Respiratory Nurse Specialist (2010) professional development Available at: http://www.arns.co.uk/pages/professional%20development.html (Accessed: 11 March 2011). Asthma UK (2011) For Journalists: Key facts and statistics Available at: http://www.asthma.org.uk/news_media/media_resources/for_journalists_key.html (Accessed: 5 March 2011). British Lung Foundation (2011) Asthma, Available at: http://www.lunguk.org/you-and-your-lungs/conditions-and-diseases/asthma (Accessed: 9 March 2011). British Medical Journal group (2011) Asthma in adults Available at: http://bestpractice.bmj.com/best-practice/pdf/patient-summaries/531553.pdf (Accessed: 12 March 2011). British National Formulatory (2010) NICE Technology Appraisal. Available at: http://bnf.org/bnf/extra/current/450034.htm (Accessed: 9 March 2011). British Thoracic Society, Scottish Intercollegiate Guidelines Network (2009) British Guideline on the Management of Asthma: A national clinical guideline. Available at: http://www.sign.ac.uk/pdf/sign101.pdf (Accessed: 10 March 2011). Brocklebank, D.,  Ram, F.,  Wright, J.,  Barry, P.,  Cates, C.,  Davies, L.,  Douglas, G.,  Muers, M.,  Smith, D.,  White, J. Comparison of the effectiveness of inhaler devices in asthma and chronic obstructive airways disease: a systematic review of the literature Health Technology Assessment 5 (26) pp. 1-149. Pubmed [Online]. Available at: http://www.ncbi.nlm.nih.gov/pubmed/11701099 (Accessed: 4 March 2011). Department of Health (2011) Prescription Cost Analysis 2001. Available at: http://www.doh.gov.uk/stats.pca2001.pdf (Accessed: 11 March 2011). Lang M., Erzurum S., C., Kavuru M. (2011) Asthma. Available at: http://www.clevelandclinicmeded.com/medicalpubs/diseasemanagement/allergy/bronchial-asthma/ (Accessed: 12 March 2011). Medicines and Healthcare Regulatory Products Agency (2007) vol (1) drug safety update. Available at: http://www.mhra.gov.uk/Publications/Safetyguidance/DrugSafetyUpdate/CON2033216 (Accessed: 12 March 2011). NHS Centre for reviews and dissemination (2003) 8 (1) Inhaler devices for the management of asthma and COPD Available at: http://www.york.ac.uk/inst/crd/EHC/ehc81.pdf (Accessed: 10 March 2011). National Health Service Choices (2010) About the NHS. Available at: http://www.nhs.uk/NHSEngland/thenhs/about/Pages/nhsstructure.aspx (Accessed: 5 March, 2010). National Health Service Choices (2010) Acute asthma in adults-management in primary care. Available at: http://healthguides.mapofmedicine.com/choices/map/asthma_in_adults2.html (Accessed: 9 March 2011). National Health Service Choices (2006) The role of your Respiratory Nurse Specialist. Available at: http://www.chelwest.nhs.uk/documents/patientLeaflets/Asthma%20-%20The%20role%20of%20your%20Respiratory%20Nurse%20Specialist.pdf (Accessed: 11 March 2011). Office for National Statistics (2004) Asthma and allergies: Decrease in hospital admissions in 90s. Available at: http://www.statistics.gov.uk/CCI/nugget.asp?ID=722Pos=1ColRank=1Rank=192 (Accessed: 8 March 2011). Shiang, C., Mauad, T.,  Senhorini, A., De Araà ºjo, B., Ferreira, D., Da Silva, L ., Dolhnikoff, M., Tsokos, M.,  Rabe, K.,  Pabst, R. (2009) Pulmonary periarterial inflammation in fatal asthma Clinical and Experimental Allergy 39 (10) pp. 1499-1507 Wiley [Online]. Available at: http://onlinelibrary.wiley.com/doi/10.1111/j.1365-2222.2009.03281.x/abstract (Accessed: 11 March 2011). LEARNING OUTCOME 2 LEADERSHIP IN NURSING AND ASSOCIATED PROFESSIONS A Leader is someone who guides or chairs a group of people or an organisation; it is common practice that a leader portrays some leadership skills to enable him/her be productive and effective. Cook (2001) describes a clinical nursing leader as someone who endlessly gets involved in direct patient care hence improving care by being of positive influence to others. All nurses (from those who provide direct care to the managers) need potent leadership skills. Mahoney (2001) emphasises that anyone (e.g. a nurse) who gives assistance to others or is responsible for other people is considered a leader; however, good leadership is reproducible superior performance targeted towards a long term benefit to everyone called for. John, (2011) has defined a manager as an individual with the sole responsibility to plan and direct the work of a group of people, ensuring proper monitoring and directives are followed. Management in nursing involves regarding leadership functions of administration and making appropriate decisions within organisations that employ nurses. SIMILARITIES BETWEEN LEADERS AND MANAGERS Leaders and managers go hand in hand, none of them tend to possess abilities that make them stand on their own, and there is no unique or particular way of managing people. Some basic similarities between managers and leaders are: People development: An effectual manager and leader have skills and abilities that tend towards the development of the people. Partnership working: the work of both a manager and a leader tend to be of a partnership level (Mather, 2009). Motivators: both leaders and managers are motivators of their subordinates DIFFERENCES BETWEEN LEADERS AND MANAGERS Thinking pattern: A major difference between a leader and manger is in their level of reasoning, Managers think incrementally, whilst leaders think radically; managers always work towards doing things rightly while leaders work in the perspective of doing the right thing (Richard, 1990). Loyalty: Subordinates are mostly subordinate to their leader than to their manager; this applies often because the leader takes credit in times of achievement and allocating merit to subordinates (John, 1990). Competencies: A nursing manager allocates resources and sets timetables while a nursing leader is someone who clarifies the big picture created by the manager and simplifies it, making the hospital/nursing homes vision more understandable to the staff and patients (Kristina R, 2009). Leadership is a very vital issue in the nursing practice because nursing requires knowledgeable, consistent and strong leaders, who inspire and boost peoples moral and support professional nursing practice. Nurses need to be both leaders and managers for some very key reasons as: An Advocate for quality care: a head nurse who serves as either a leader has to stand out in ensuring the needs of both the patients and nursing staff are adequately met, sometimes it will require a robust and bold person to stand before the board in defending these needs. An influential personality: the presence of an influential nurse handling an asthmatic patient will go a long way in guiding the patient in making informed choices; the patient becomes free and open to the nurse when she/he exhibits a high level of positive influence on the patient. CRITIQUE OF NURSING PUBLICATIONS IN RELATION TO LEADERSHIP AND MANAGEMENT IN ASTHMATIC AND GENERAL NURSING CARE A report by the Royal College of Nursing (RCN) on the support by Asthma UK on RCNs frontline campaign published on 14th January 2011 is carefully analyzed highlighting the publishers aims of writing, lessons to be learnt, consequences of the article and its impact on positive care delivery. It was rightly stated in this article that about three-quarters of asthma emergency admissions can be avoided if proper care is delivered (Royal college of Nursing, 2011). This implies that the need for proper managerial skills needs to be adapted by the healthcare leaders to manage asthma patients which will ultimately lead to the reduction of emergency care delivery for asthma patients. He went further to stress that specialist nurses are the cohesive source of support and stability for care for asthma patients; this issue is supported by the Relationship theory of leadership (also known as transformational theory) which highlights the connection between the leader and the led (Kendra, 2011). Leaders that possess this trait tend to motivate and stir their followers to ensure maximum productivity is achieved. Focus is geared towards the performance of the group members. When a leader with such trait is employed, the function of the specialist will be balanced on both as a helper of the patient and a confidant to the patient. He also said that the role of a specialist nurse has reduced hospital admissions from 22% to 6%, hence saving the National Health Service billions of pounds annually. The writer concluded by turning down the practise of relieving the specialist nurses of their jobs and employing other nurses and ward clerks to fit into their roles which he said the adverse effects were of greater negative impacts as costing the NHS more finance and damage the lives of the patients already receiving care by the specialist nurses. The lessons from this article cannot be over-emphasized in that there is an immediate need for the employment of more specialist nurses to manage asthmatic patients better and to save the lives of their patients. A similar report by Akinsanya (2009) on the Exacerbations of severe asthma; psychosocial predictors and the impact of a nurse-led clinic stated that the need for alternate management approaches is paramount in caring for people with severe asthma. He also recommended further findings on the social and psychological aspects of asthma management. Recommendations were also made on the holistic approach for long-term management of asthmatic patients (Akinsanya, 2009). This report clearly shows the application of the contingency leadership theory that postulates the influence of variables that relate to the environment on the determination of the specific leadership style fit for a situation (Kendra, 2011); it further implies the need for a paradigm shift on the care for acute asthmatic patients towards need for more nurse specialists. PERSONAL REFLECTIONS ON LEADERSHIP AND MANAGERIAL SKILLS As a major role player in healthcare delivery, nurses have inevitable functions. This Portfolio has given me an in depth understanding in various areas of my practice as: Efficiency: I have learnt that my level of efficiency has a vital impact in saving asthmatic patients lives; it will help ease the huge financial burden on Government by saving extra expenses. Leadership skills: According to the great man theory of leadership (Management Study Guide, 2011a) which denotes that some people are born with inherent leadership skills which become apparent when great needs arise. I have understood that as a nurse, I can lead rightly and manage people if I can nurture the greatness in me. In enhancing my managerial skills, I will give room for creativity in my area of work by combining both human and non-human resources (Management Study Guide, 2011b) to achieve the designed goal. Team work is also a very good point I learnt from this report in that I cannot be an effective leader if I am regarded as the only member of my team succeeding, there has to be a cohesive effort from all. Care delivery: The focus is on the nurses to serve as interlocutors between the GP and patient ensuring the patient adheres to prescriptions and that the nurse is always available for assistance by the patient. CONCLUSION The difference between a leader and manager is quite small and most leaders tend to end up as managers. Asthmatic guidelines need to be reviewed often to improve its managerial aspect of care. Nurses are relevant care deliverers and all need to develop leadership and managerial skills in order to safe guard the healthcare of the United Kingdom.

Wednesday, November 13, 2019

China pver population :: essays research papers

â€Å"Over-Population Doesn't Justify Disregard for Human Life†- anonymous. The question proposed is, does the Chinese population control policy violate human rights? This is very controversial issue. There are many different views on this subject. By some it’s seen as a successful tool for making certain that China will be able to continue to support its large population. Others believe the policy is inhumane and causes abuses and female infanticide. Is China going about this problem the right way? The slogan of the initial population control program is â€Å"Later, Longer, Fewer.† The one child policy is not officially a law. It’s more of a â€Å"way of life†. China can’t punish couples for having more then one child because it’s not a law. So they provide motivation, such as extra salary or larger houses for couples that pledge to have just one child. If you did become pregnant and you agreed to give up your child the government would pay for abortions. A woman who had an abortion was rewarded with a paid vacation. China’s policy pushes later marriages, postponing children, fewer and healthier births, and they encourage couples to only have one child. Figures show that the policy has reduced China's population by 250 million, isn’t this good? If you only have one child, you can provide more to that child. The child can have a better life. Lu Zhufeng, a 20 year-old medical student said, â€Å"If I have one child it will be raised better. It will have more opportunities, and my career is the most important thing. I really want to excel at it.† Mothers used to stay home and take care of the children but with one child it isn’t much work. With fewer children it will free up the mothers time so instead of caring for more then one child the mother has more time to go into the work force. On the other point of view, some people might argue that the â€Å"one child policy† is a violation of human rights. Most Chinese families prefer male children to female children. The reason for this is the men are stronger and will be able to take care of them in their old age. However, if they have a female, she will have to get married and the parents will have to provide a dowry. As a result to this boy demand and since you can only have one child, if the female has a girl they might kill the infant, Hundreds are being drowned, smothered, and abandoned.

Monday, November 11, 2019

Trash Summary

Trash Summary Trash is an epic novel about three ordinary dumpsite boys that sort through trash for a living. One day they find a key that leads them to a train station locker. From there they start the journey of their lives. Throughout the book many characteristics are shown both good and bad. I have chosen to talk about the themes trust and resilience. I chose these topics because I think both of these were shown many times in the book and they are to things that you need in every day life. Trust is the reliance that you have on one another, the belief that someone will come through for you in a time of need.This was shown many times in the book my favourite example was when Rat, (or Jun-Jun) was there for Raphael and Gardo at the beginning of the book they needed a place to hide the wallet. At any give time he could have gone straight to the police and turned in Raphael and Gardo.. Sister Oliver’s trust, pity and innocence led her to believing the three boys lie, this ende d up putting her at great risk. Later on in the novel Gardo went back to the prison with the 20,000 pesos to give the guard for the bible.The guard tried to catch Gardo but he escaped just in time. I think this was a case where they were forced to trust the guard whether they wanted to or not, they had no option to get the bible or not. Resilience is the ability to bounce back and put up with severe amount of stress. That’s exactly what these boys put up with for the whole book, between being chased by corrupt police and breaking into a grave these boys had amazing mental strength. The best example of this is when Raphael got taken to the police station; he was tortured, beaten and almost killed.It took lots of resilience is just there will to see there adventure all the way through to the end. At any given time they could have quite gone to the police turned the other two in and made 20,000 peso. â€Å" We will fish for ever and live happy lives. That is our plan and nothin g will stop us. † This quote said by Jun-Jun shows that the three boys trust each other to the end of the world. They would die for each other happily. They have been through so much mentally and physically that they could put up with anything. I honestly do think nothing will stop them.

Friday, November 8, 2019

Cmo afecta la ley HB87 de Georgia a los indocumentados

Cmo afecta la ley HB87 de Georgia a los indocumentados La ley de Georgia HB 87, considerada como restrictiva de la inmigracià ³n, impone castigos a los inmigrantes indocumentados que viven dentro de las fronteras de ese estado. Y es que aunque las leyes de la inmigracià ³n son federales y, por lo tanto, son iguales todo Estados Unidos sin importan donde se resida lo cierto es que cada estado puede pasar medidas de apoyo a los migrantes, legales y/o indocumentados o, por el contrario, restrictivas de los derechos de los sin papeles. Ese à ºltimo es el caso de Georgia, pero no es el à ºnico. Destacan en ese sentido las leyes de Arizona, Alabama y Carolina del Sur. Si usted es uno de los 480 mil indocumentados que vive en Georgia o se planea mudarse a vivir a ese estado es conveniente saber los puntos bsicos de la ley HB-87 tal y como se aplica en la actualidad despuà ©s de que varias organizaciones demandaran con à ©xito irregular la suspensià ³n de algunas partes de la ley. Cà ³mo afecta la ley de Georgia HB-87 a los indocumentados En primer lugar, en aplicacià ³n de la ley de Georgia HB-87 las empresas con ms de un cierto nà ºmero de trabajadores deben utilizar el programa federal e-Verify para garantizar que sus los empleados son ciudadanos americanos o estn legalmente autorizados para trabajar en Estados Unidos. Asà ­, todas las agencias estatales y todos los empresarios privados con ms de 500 empleados deben verificar el estatus legal de todos los nuevos trabajadores. Desde el 1 de julio de 2012, est obligacià ³n se ha extendido a todas las empresas con ms de 100 empleados y desde el uno de enero de 2013 se extender a todas que tengan ms de 10 trabajadores. Adems, la utilizacià ³n de documentos falsos como licencias de manejar, tarjetas de la seguridad social o green cards con el objeto de obtener empleo est castigado con multas de hasta $250,000 y con penas de prisià ³n por un mximo de 15 aà ±os. Asimismo, todas las peticiones de ayudas para la vivienda o para la compra de alimentos (food stamps) debern acompaà ±arse por la presentacià ³n de determinada documentacià ³n que pruebe el estatus legal del solicitante. Y quiz lo ms digno de resaltar es que  la policà ­a estatal y local puede verificar el estatus migratorio de las personas a las que para o detiene. Es lo que se conoce como la polà ­tica de muà ©strame los papeles (show me your papers, en inglà ©s). Es de destacar que se autoriza a la policà ­a a pedir los papeles pero no se hace mandatorio que debe hacerlo. Asà ­, por ejemplo, las fuerzas del orden del estado de Georgia podrn pedir papeles para verificar el estatus migratorio de las personas que manejen un auto sin la debida licencia. Disposicià ³n de la ley de inmigracià ³n de Georgia HB-87 que est suspendida   Por decisià ³n de la Corte de Apelaciones de Atlanta sigue en suspenso la seccià ³n de la ley que penaliza a todas las personas que a sabiendas, acogen en sus viviendas o transportan a un inmigrante indocumentado cuando se est cometiendo un delito. Derechos de los migrantes indocumentados Los migrantes indocumentados, a pesar de su estatus, tambià ©n tienen derechos si son arrestados o parados. En estos casos es muy importante que reciban un buen asesoramiento legal si sus caminos cruzan el de las autoridades y, por su puesto, si reciben una citacià ³n para presentarse en una corte de Inmigracià ³n, ya que el no hacerlo tiene consecuencia una orden de deportacià ³n (de la que es posible no saber que se tiene). Adems, en casos de arresto o/y inicio de procedimiento de deportacià ³n conviene consultar con un abogado si es conveniente solicitar una salida voluntaria, ya que puede tener ventajas si no hay forma legal de parar la deportacià ³n. Por à ºltimo, destacar que incluso en Georgia los muchachos con la Accià ³n Diferida aprobada (DACA, por sus siglas en inglà ©s) pueden obtener la licencia de manejar. Y que hay ciertos beneficios sociales mà ­nimos reconocidos por las leyes federales que se tienen que cumplir, como el acceso a Wic para el caso de bebà ©s, infantes y embarazadas o la asistencia en clà ­nicas comunitarias e incluso en ER de hospitales en los casos de peligro para la vida. Este artà ­culo es informativo. No es asistencia legal para ningà ºn caso concreto.

Wednesday, November 6, 2019

Play Review - Alls Well That Ends Well essays

Play Review - All's Well That Ends Well essays I saw the play "All's Well That Ends Well" at the Chicago Shakespeare Theatre. The theater space was a three-quarters thrust and the theater was intimate allowing anyone to see just about anyone else in the theater. The seating also allowed everyone no matter where you sat to get an up-close view of the action. Barbara Gaines who is a regular at the Chicago Shakespeare Theatre directed the play. his theater experience was very great for me, as I have seen very few plays before. To start off, the parts of the play I believed were strong was the year the director decided to have the play take place in. In the 1860s, the outfits they wore were absolutely stunning. The women and men all looked very good and the distinguishment between the upper class and lower classes could be seen very well. Another nice asset about the 1860s is that the way the women were treated was much like the way they were treated in Shakespeare's time. Another strong point of the play was the little use of props. The place they were at was easily distinguishable thanks to lights shining on the floor and the few sets that were used. I believe big, elaborate sets get in the way of the acting and action. The best performances are the ones that are clear and use little props. The play accomplished just that. There was, however, one prop I did not like. They draped the floor at one point with this nasty 3-color sheet. I believe that was not necessary because I could stop staring at it and thinking how ugly it was. The production made me feel a bit different than I thought I was going to feel. At first, the play was slow, but the end was absolutely wonderful. The productions started with a great representation of how Helena and Bertram felt towards each other. It could be seen that Helena was extremely in love and Bertram did not want to marry Helena because he was not in love at all. In the end however I got a different impression than I did in the writings. ...

Monday, November 4, 2019

Assignment. Production Methods Assignment Example | Topics and Well Written Essays - 750 words

. Production Methods - Assignment Example Shaping occurs through stitching darts, which are essentially dimples that intermittently signal lower quality. Pressing darts are another type of dart used for panels, which ensure the precision of spacing and grain significance (Assembly and Finishing 54). c. Piece - During production, garments are made essentially by putting together pieces in a particular order. These pieces are major parts of subassemblies completed by joining parts during the panel phase. Examples of pieces in garment production are the front and back of an individual garment (Assembly and Finishing 55). Joining these two pieces to make the final clothing. The final clothing is the product. d. Product - This is the finished garment. A product is the ultimate outcome of the garment production process. A summary of this process is the addition of these four Ps in a sequence or equation, i.e. parts + panels=pieces and pieces + pieces=products (Assembly and Finishing 56). The four Ps are mostly vital to the sizing and fit of the product, meaning faults during any phase can affect the finished garment. 2. The system of assembly that I think works best in today’s world is PBS since it itemizes production steps into a set of separate activities. Many garment production houses today need separate machines carrying out separate functions, at different times. With the PBS, every sewing machinist has to be skilled in the appropriate strategy to a particular task (OECD 44). Garment manufacturers today seek to make the most of the output of both dedicated machinery and individual operators, which is a merit that PBS users indeed enjoy. Even though many garment assembly units use the PBS, combining them with the Modular Production System (MPS) and Unit Production System (UPS) is proving successful and cost saving. PBS users often have to deal with obstacles caused by absenteeism or varying outputs amongst operators and workers. MPS and UPS users often do not have to come

Saturday, November 2, 2019

The position of infrared in the world of photography Essay

The position of infrared in the world of photography - Essay Example Therefore, it is the focus of this essay to answer what extent is infrared photography an artistic endeavor? Specifically, to investigate the extent that photography is a central aspect of the artistic message or a gimmick used to enhance the photograph without artistic merit. Infrared photography emerged in the early 1900s as the Royal Photographic Society published the first infrared photographs in October 1910. The development of infrared film was actually done by the US government during World War I to improve haze penetration in aerial and night photography. Scientifically, infrared films capture the part of the spectrum that is beyond our visibility, called infrared light. The diagram shows the electromagnetic spectrum, infrared has a higher wavelength than visible light. The Electromagnetic Spectrum. (n.d.). Retrieved from http://www.antonine-education.co.uk/physics_gcse/Unit_1/Topic_5/em_spectrum.jpg The wavelength of infrared photography begins at 700 nanometers and ends at around 1000 nanometers, with visible light only between 390 to 740 nanometers of wavelength. This characteristic gives it the ability to capture images in the dark and create unique photographic effects and colors. Infrared photography really took off commercially in 1930, when the first infrared films were introduced and soon became very popular. Through time, infrared photograph established its irreplaceable place among the various styles of art photography and has continued its journey into the digital age. In investigating the research question, one of the greatest challenges is establishing a working definition of art. Philosophic investigations into the nature of art date to at least Greek antiquity, with Aristotle’s Poetics advancing the notion of mimesis as the central tenant of the art object. With social and technological progress came a change in the nature of artistic expression, such that during the Renaissance and Enlightenment periods the role of the artist cha nged from one of a craftsman to a Romantic notion of the artist as intellectual or genius. The 20th century experienced a shift from the Modernist to Post-Modernist era and witnessed revolutionary changes in the nature of art. Influenced by the scientific discoveries of Albert Einstein and Sigmund Freud, artists such as Pablo Picasso and Salvador Dali used art to explore these new intellectual paradigms of reality; Marcel Duchamp would even call into question the very nature of the art object. It is in this contemporary context that the notion of photography as art emerges. Perhaps the most seminal theorist in this regard was Susan Sontag, who in works such as Against Interpretation and On Photography formulated a number of aesthetic principles. Sontag argued that the nature of art is to capture that which is magical or irrational, and that art must be understood in terms of not only its meaning making content, but along with its formal elements as a comprehensive whole. While such a mode of understanding resists easy definition, for the context of this essay art is defined as the arrangement of formal style with content in a way to enact meaning through affecting the senses or emotions. Artistic photography affects the senses or emotions by selectively presenting aspects of our surroundings or objects in photographic form. Conversely, a gimmick is popularly understood as â€Å"a unique or quirky special feature that makes something "stand out" from its contemporaries.† 1 In the case of photography, gimmick is simply the employment of a feature or effect to enhance the picture. While gimmicks meet the formal criteria, they lack the necessary elements of intention and meaning to be considered

Thursday, October 31, 2019

Logos and Pathos Appeals in Taking What is not There Essay

Logos and Pathos Appeals in Taking What is not There - Essay Example He aims to convince the affected communities along these water sources to organize and mobilize against taking more than what actual water levels are and to fight water pollution. Midkiff seeks to persuade people to conserve water and to ensure that politicians manage the waters more efficiently through equitable treatment of all users, and he effectively uses pathos and logos appeals, where he describes, compares and contrasts current and recommended systems that can improve water management and conservation, and uses irony and sarcasm to provoke a sense of urgency in attaining his rhetoric. In order to effectively persuade people to understand the gravity of the water management problems in the country, Midkiff uses description to show how serious America’s water problems are, with specifications for the Colorado River and Rio Grande. These specifications appeal to the rationality of the people, so that they will understand that their demand for water is way beyond the produ ction capacity of their water systems. For the Colorado River, Midkiff illustrates that the 1920s flow of the Colorado River is not the same as present times: â€Å"Recent estimates indicate that only 10 percent of the flows in the 1920s now reach the gulf, and this trivial amount is heavily polluted with agricultural runoff- pesticides, herbicides, and fertilizer† (2). ... ime the Rio Grande arrives at the International Bridge, it looks far from the lush and clean river its used to be: â€Å"The barely flowing water is a putrid greenish yellow, filled with herbicides, pesticides, and fertilizers carried by the ‘return flows’ from irrigated cultural lands and with the polluted discharges of the maquiladoras (U.S. factories in Mexico)† (Midkiff 9). This description highlights how rivers die because of human-made pollution. Also, in both rivers, high water demand exerts too much pressure on these rivers. Midkiff says that when Rio Grande flows to Albuquerque, it almost dries completely, after it passes to numerous communities that use its water. The dryness of some parts of these rivers and the polluted waters indicate that the water systems of these communities are in danger. Midkiff effectively explains that if these waters are in danger, the people’s survival is in danger too. Midkiff uses comparing and contrasting approach o f different uses and solutions to the water problems to emphasize that only the people can organize to save their water resources, and this process combines appeals to logic and emotions. For Rio Grande, Midkiff compares and contrasts the difference between what the river can offer and what people demand for it. He stresses that the Lower Rio Grande Valley is â€Å"a shadow of its former self† (11). The Sabal Palms Refuge is already affected by falling water levels (Midkiff 11). The water levels are declining because of overappropriation and pollution, and by explaining how the river dries because of these factors appeals to logos. Aside from logos, Midkiff adds heart-wrenching images to tug people’s hearts. In the Sabal Palms Refuge, plants and animals are dying (Midkiff 11). The image of these living things

Tuesday, October 29, 2019

Othello Essay Example for Free

Othello Essay The language of sin is not just Ð ° theologically freighted way of talking about morally bad acts; it points to Ð ° deeper flaw within human life as we experience it, Ð ° perversion of outlook and desire that we may come to recognise but cannot fully evade. Overview According to Ð ° view going back to Aristotle (and probably earlier); someone who acts out of Ð ° mistaken belief about Ð ° relevant matter of fact may not be morally culpable for what would otherwise be Ð ° bad action. For example, Ð ° doctor who administers an antibiotic without realising that his patient is allergic to it is not guilty of murder if the patient subsequently dies, assuming that the mistake in question is Ð ° good-faith error which the doctor could not have avoided (perhaps the patient neglected to give the correct information about allergies when asked to do so). In this kind of situation, ignorance of relevant facts would seem to render the act in question involuntary in Ð ° qualified respect that is to say, precisely considered as an act of murder. (Travitsky 184-96) And since we presuppose that someone is morally responsible only for her freely chosen actions, it follows that in these kinds of cases, the agent cannot be regarded as morally culpable for what is objectively Ð ° bad action. In the tragedy of Othello, many animal references are made by Iago to the people he disrespects. The purpose of Shakespeare depicting Iago as Ð ° character who perceives others as animals is to show his dominance and his representation of mankind, illustrating his superiority over others. The interpretation of Iago signifying mankind reveals another side of him, his bestial nature. (David et. All 1335-38) Discussion Aristotle apparently did not believe that the same line of analysis could be applied to someone who acts out of Ð ° mistaken moral view, and Aquinas and most other scholastic theologians would have agreed, albeit not always on Aristotelian grounds. 2 However, in recent years Ð ° number of moral theologians and some philosophers have argued that moral mistakes do obviate moral guilt that is, someone who acts out of Ð ° sincere but wrong belief that Ð ° given kind of action is morally permissible cannot be regarded as morally culpable for what she does, even if the act in question is in every other respect voluntary. Of course, if this extension of the Aristotelian argument is to be plausible, one would need to add that the mistake in question is not itself the result of prior wrong-doing, and that the agent has taken due care to form his conscience appropriately and to determine what he genuinely owes to himself, to other persons, and (perhaps) to non-human entities or to God. Given these qualifications, however, one might say, for example, that Ð ° doctor who kills her patient in the sincere but (let’s assume) mistaken belief that she is justified in thus ending his suffering is not subjectively guilty of murder. The agent freely commits, and is therefore morally responsible for, Ð ° kind of action that (by hypothesis) meets the objective criteria for murder; yet given that she acts out of Ð ° mistaken belief that the act in question is not morally wrong, she does not commit Ð ° voluntary act of murder, considered precisely as an act of wrongful killing. (Straznicky 104-34) This is at least Ð ° plausible view. It seems harsh to regard someone as morally guilty for an action carried out under the mistaken, yet sincere and conscientious belief that an act of the relevant kind is morally justified particularly when we reflect that none of us can be certain that our own moral beliefs are correct in every respect. What is more, this line of analysis seems to correspond to at least some widespread intuitions. I believe most people in industrialised societies would be prepared to take this line with respect to cases involving widely controversial and difficult issues, as presented, for example, by an act of euthanasia. However, in other kinds of cases, we may well balk at the conclusion that moral ignorance justifies Ð ° particular line of action. Imagine Ð ° doctor who kills her patient because he is an extremely unpleasant old man who is tormenting his family for no good purpose; what is more, he has left Ð ° large sum of money to Ð ° charity which desperately needs it. The doctor sincerely believes that the needs of this man’s relatives and the demands of the common good override her obligations not to kill, and she acts accordingly. (David et. All 1335-38) Analysis In response, it might be said that some moral norms are so obvious that no one could make Ð ° good faith mistake about them; thus, Ð ° mentally competent adult who genuinely does not know that murder is wrong must be guilty of (at least) culpable neglect. This argument fits well with what came to be the dominant scholastic view on ‘ignorance of the law’ with respect to the natural law that is to say, since the fundamental precepts of the natural law are in some sense innate, Ð ° competent adult cannot fail to grasp them unless she is guilty of some kind of prior wrong-doing or negligence. Some contemporary theologians extend this line of analysis as follows: Admittedly, some moral mistakes are ipso facto evidence of prior wrong-doing, negligence, or bad faith. Yet, at least with respect to the difficult and complex questions we face today, genuine, non-culpable moral mistakes are both possible and exculpating. (Travitsky 184-96) This line of analysis, in turn, lends credence to Ð ° widespread view according to which one’s moral status depends exclusively on the orientation of the agent’s will as expressed through her freely chosen actions (considered either singly, or as comprising an overall pattern of behaviour). Straznicky 104-34) On this view, Ð ° mistaken moral judgment, while regrettable, has no moral significance in itself. In the words of John Coons and Patrick Brennan, ‘It is, then, plainly plausible that while humans have Ð ° primary obligation to seek correct treatment of others (and self), their honest pursuit of that ideal effects whatever moral perfection is possible to the individual’. Certainly, it is true that Othello acts as he does out of Ð ° mistaken belief about Desdemona’s infidel ity. But I want to argue that this mistake alone would not account for his act, were it not for other mistaken beliefs he holds, at least one of which clearly concerns Ð ° moral principle. Before moving to that point, however, is it worth spending some time over Othello’s factual mistakes (I believe he makes more than one), seen in the context of what we are shown about his overall character and disposition. Even if we bracket the special difficulties raised by moral mistakes, the moral significance of mistaken beliefs is not as straightforward as we may assume or so Othello’s example would suggest. (Jane et. All 19-47) Othello’s story is Ð ° tragedy, and not just Ð ° very sad story, because it is the story of the destruction of Ð ° noble, deeply admirable man brought about through his own weaknesses, systematically exploited by Ð ° malicious enemy. In order for this story to have the force that it does, Shakespeare must first of all make it clear that Othello really is noble and deeply admirable. This point is sometimes obscured by the vulgar racist slurs directed against him by Iago and at least tacitly accepted by some of the other characters (see, for example, I. 1, 88–89). Yet isn’t this the kind of thing that we would expect Iago to say? Shakespeare takes pains to show that Othello himself does not fit the stereotypes of the lustful, rash and unthinking black man on which Iago trades. On the contrary when we first see him, in the encounter with Brabantio (Desdemona’s father), it is the latter that is rash and unthinking, not to say hysterical, whereas Othello is Ð ° model of self-restraint under extreme provocation (I. 2, beginning at line 58). He defends himself before the Venetian senate in terms of great dignity and candour, and his account of his love for Desdemona makes it clear that he truly does love her, just as her love for him is no girlish infatuation, but an intelligent response to his past sufferings and his noble character (I. , 129ff. ). His subsequent behaviour is that of Ð ° devoted husband who also bears Ð ° public trust, to which he properly gives priority with his wife’s full understanding and consent far from jumping into bed with his new bride, he sails to Cyprus and sees to preliminary arrangements for the defence and governance of the island, apparently before his marriage is ever consummated (I. 3, 260–79, and espec ially 299–300). Even Iago admits that left to him, Othello will most probably make Desdemona Ð ° good, loving husband (II. , 284–85). What is more, Othello is Ð ° seasoned general of many years’ experience, the best military mind available to the Venetians, someone whom they regard as worthy of unrestrained public trust this is no unsophisticated fool, but Ð ° mature, intelligent man at the height of Ð ° vital and demanding profession. And yet, this dignified and loving man is first reduced to Ð ° state of near-dementia, and then brought to Ð ° cool determination to kill his wife, through the machinations of Iago. In watching this process, it is difficult not to get caught up in the sheer fascination of Iago’s deliberate villainy how could anyone be so callous to every human feeling, so cheerfully calculating as he plans the destruction of those around him, so irredeemably evil? Confronted by such Ð ° spectacle, it is easy to overlook the fact that Othello’s transformation from Ð ° loving husband into Ð ° relentless avenger is, in its own way, almost as disturbing. (David et. All 1335-38) How can such Ð ° transformation take place? Of course, Othello is the victim of Ð ° deliberate deception, but that fact alone does not really answer the question, because it is by no means clear how Iago manages to convince Othello of Desdemona’s guilt after all, he has no actual evidence whatever, and not very much in the way of circumstantial evidence. What is more, even granting Othello’s conviction of Desdemona’s guilt, it would not be necessary for him to kill her he could banish her, as she pleads (V. 2, 79), or divorce her and send her back to her family. He might even forgive her and try to retrieve his marriage. (Straznicky 104-34) Thus, Iago’s malicious deception, while troubling in its own right, should not be allowed to obscure the puzzles presented by Othello’s own behaviour. Why is he vulnerable to Iago’s designs in the first place, and why does he react to Desdemona’s adultery (as he believes to be the case) in the way that he does? We must look for the answers to these questions in Othello himself. (David et. All 1335-38) One starting point immediately suggests itself. Why is it so easy for Iago to persuade Othello that his beloved Desdemona has committed adultery with his lieutenant Cassio? Shouldn’t Othello’s love for Desdemona which I believe we should take at face value have inclined him to resist, or even just to ignore, Iago’s insinuations? It might be said that Iago gets away with his plan so easily because Othello is so trusting, as Iago himself suggests as he notes, Othello has ‘Ð ° free and open nature’ and will believe what he is told (I. 3, 396–400). And indeed, once Iago (seemingly) begins to respond to his demands for proof, Othello never doubts him until confronted with unmistakable proof of his treachery. (Travitsky 184-96) Certainly, Othello places Ð ° remarkable degree of trust in Iago but it seems inaccurate to say that he is trusting without qualification. He does not trust Desdemona at all. Admittedly, he catches her in Ð ° lie over the handkerchief he gave her, but had he been so disposed, he could have seen this for what it is the self-protective lie of Ð ° flustered young woman (II. , 45–94). More tellingly, he does not trust Emilia when she insists, repeatedly and strongly, that Desdemona has never betrayed him, even though Emilia (Iago’s wife and Desdemona’s personal attendant) is in Ð ° better position than anyone else to know about her intimate activities (IV. 2, 1–24). It begins to look as if Othello is prepared to trust some, but not others in particular, he trusts men but he does not trust women. This suspicion is confirmed by his remarks about women, remarks which we know to reflect general Elizabethan attitudes that women are naturally lustful, cannot be relied upon to maintain chastity without continual supervision, and are sly and deceitful to boot (III. 3, 264–80). Various comments, together with the whole tenor of his behaviour towards Iago, suggest very different beliefs about at least some classes of men, namely frank, hearty types such as Iago, whom he regards as honest and worthy of trust (III. 3, 124, and especially 245).

Saturday, October 26, 2019

Analyze The Performance Of Maybank Group Finance Essay

Analyze The Performance Of Maybank Group Finance Essay 3.1 INTRODUCTION In this chapter, the researcher will look at the history of Maybank group as a whole besides that, the researcher will also review and analyze the performance of Maybank group and also Islamic product that been offered by Maybank Islamic Berhad. COMPANY HISTORY 3.2.1 Maybank Maybank was incorporated on 31 May 1960 and began operations on 12 September in the same year, rising from the spirit of Independence to pave the way for dynamic change in the countrys banking and financial landscape. Our founders were visionary in their desire to see Maybank grow to excel both in the domestic market and in the region. Over the years, Maybank has led an aggressive drive to expand network and maximize reach. The Group has consistently set new benchmarks in product and service delivery by achieving many firsts in the industry such as rural credit scheme, cards services, corporate and investment banking, mobile banking services, internet banking and Islamic banking. Maybank operates through an extensive network of over 1,700 offices in 14 countries including 7 in South East Asia. The Group is represented in the major financial centres of London, New York, Hong Kong and Singapore. 3.2.2 Maybank Islamic Maybank Islamic Berhad, a wholly-owned subsidiary and the Islamic banking arm of the Maybank Group, is the largest Islamic bank in Malaysia. It started its initial operations offering Islamic financial services through a window concept in 1993 and later converged to full-fledged Islamic banking operations on 1 January 2008. With a breadth of more than 17 years experience in the Islamic banking and finance, Maybank Islamic has been regarded as the leading Islamic bank in the Asia Pacific region and ranks among the worlds top 15 Islamic financial institutions. Today, Maybank Islamic proudly stands above its peers in the home market with Shariah-compliant assets of more than USD12 billion commanding significant market share in financing and deposits of over 24% and 21% respectively. Maybank Islamic believes that serving the needs of customers is a priority and as such it is committed to provide a wide array of Shariah-compliant financial products and services to suit its customers preference and choices. Apart from commercial banking offered by Maybank Islamic, Maybank Groups Islamic investment banking and capital market business are offered through Maybank Investment Bank and selected overseas offices in major financial centres of Bahrain, London, Singapore and the international offshore financial centre of Labuan. As an industry icon, Maybank Islamic is committed to scaling new heights as reflected in the way the Bank operates its business, the way its deliver products and services to customers and in the way the Bank engages more than 25,000 Maybankers across its home country as well as its business partners and stakeholders globally 3.3 OBJECTIVE OF ESTABLISHMENT The objectives of the establishment of Maybank Islamic Berhad are as follows: 1. To continues as a Market Leader in Islamic banking field in the aspect of products and services. 2. Introduced the financial product that is based on MM concept as a an alternative to current the BBA product 3. Introduced the financial product that is based on Ijarah Mutahiah Bittamlek 4. Introduced the management of investment in an Islamic way 5. Involved in asset management in an openly way 6. Introduced Islamic card credit 7. Actively involved in Murabahah commodity product BOARD OF DIRECTORS Dato Seri Ismail Shahudin Dato Seri Ismail Shahudin was appointed as a Director and Chairman of Maybank Islamic on 23 January 2010. He was Chairman of Bank Muamalat Malaysia Berhad from 2004 until his retirement in July 2008. He has held senior positions in Citibank, serving both in Malaysia and New York, United Asian Bank and Maybank where he was appointed Executive Director in 1997. He left Maybank in 2002 to assume the position of Group Chief Executive Officer of MMC Corporation Berhad prior to his appointment to the Board of Bank Muamalat Malaysia Berhad. His current directorships in companies within the Maybank Group include as Director of Maybank Berhad. He serves as Chairman of the Nomination and Remuneration Committee and as a member of the Credit Review, Risk Management, and Employee Share Option Scheme Committees of Maybank Berhad. Tan Sri Datuk Dr Hadenan bin A. Jalil Tan Sri Datuk Dr Hadenan bin A. Jalil was appointed as a Director of Maybank Islamic on 23 January 2010. Tan Sri Datuk Dr Hadenan bin A. Jalil was Auditor General from 2000 to 2006. He served with the Government for 36 years in various capacities in the Treasury, the Ministry of International Trade and Industry and the Ministry of Works prior to his appointment as Auditor General. His current directorships in companies within the Maybank Group include as Director of Maybank Berhad. He serves as Chairman of the Audit Committee and as a member of the Credit Review, Nomination and Remuneration, and Employee Share Option Scheme Committees of Maybank Berhad. Zainal Abidin Jamal Zainal Abidin Jamal was appointed as a Director of Maybank Islamic on 23 January 2010. He is a practicing corporate and commercial lawyer and established his firm, Zainal Abidin Co, in 1987, where he is a Senior Partner. He was enrolled as an Advocate Solicitor of the High Court of Malaya in 1986. Between 1983 and 1986, he served as the Company Secretary of Harrisons Malaysian Plantations Berhad. Prior to that, he had practiced in Singapore where he was enrolled in 1980 as an Advocate and Solicitor of the Supreme Court of Singapore and had also served as a First Class Magistrate in Brunei Darussalam. His current directorships in companies within the Maybank Group include as Chairman of Mayban Trustees Berhad and Director of Maybank Berhad, a Director of Etiqa Insurance Berhad, Etiqa Takaful Berhad, Maybank International (L) Limited, and Mayban International Trust (L) Ltd. Datuk Dr. Syed Othman bin Syed Hussin Alhabshi Datuk Dr. Syed Othman bin Syed Hussin Alhabshi was appointed as a Director of Maybank Islamic on 30 January 2008. Datuk Dr. Syed Othamn has vast experience as an academician. He held various academic leadership and research post at International Islamic University of Malaysia, University Utara Malaysia, University Tun Abdul Razak and Institute of Islamic Understanding of Malaysia before he assumed responsibility as the Professor of Islamic Economics, Chief Academic Officer and Head of Takaful at International Centre for Education in Islamic Finance (INCEIF). Datuk Dr. Syed Othman is a director of Etiqa Takaful Berhad. He is also a director of Prima Prai Sdn Bhd, Epen Bina Sdn Bhd and Universiti Teknikal MARA Sdn Bhd. PRODUCTS AND SERVICES IN MAYBANK ISLAMIC Home Equity-i HomeEquity-i is a shariah compliant home financing plan based on the Musharakah Mutanaqisah or diminishing partnership concept. Maybank Islamic (the bank) and applicant enter into a joint partnership with bank to raise capital for acquiring a property. Both parties become joint property owners with shares allotment based on amount of capital contributed. Maybank Islamic releases its shares to applicant who gradually acquires banks ownership of the property with monthly payments made over an agreed time period thereby diminishing the banks share till property is fully owned by applicant. Home Fianancing -i BBA is defined as deferred payment sale. BBA involves the sale and purchase transactions between the bank and the customer. Under this concept, customers may defer total payment of asset which is the property in installments over a specific period of time. Fixed payment that shows exactly what customers need to pay throughout the tenure. useful for those working on a monthly budget. MaxiHome-i MaxiHome-i refers to Home Financing under Variable Rate Financing (VRF). Maxihome Loan Packages cater to the needs of individuals and small businesses, including financing the purchase of new properties, sub-sales, refinancing, redraws and remortgages. This product is applied under the concepts of Bai Bithaman Ajil (BBA). BBA is defined as deferred payment sale. BBA involves the sale purchase transactions between the bank and the customer. Under this concept, customers may defer total payment of the property in installments over a specific period of time. ShophouseEquity-i ShophouseEquity-i is a shariah compliant home financing plan based on the Musharakah Mutanaqisah or diminishing partnership concept. Maybank Islamic and applicant enter into a joint partnership with bank to raise capital for acquiring a property.Both parties become joint property owners with shares allotment based on amount of capital contributed. Maybank Islamic releases its shares to applicant who gradually acquires banks ownership of the property with monthly payments made over an agreed time period thereby diminishing the banks share till property is fully owned by applicant. Shop house Financing-i A fixed rate financing for shop houses currently being practiced under the concept of Bai Bithaman Ajil (BBA), Shop house Financing-i is recommended especially for homebuyers who prefer a fixed monthly budget where you know exactly how much to pay throughout the tenure, whether by a single instalment sum or in-line with the multi-tiered rates. MaxiShop-i MaxiShop-i refers to Shophouse Financing-i under Variable Rate Financing (VRF). MaxiShop Loan Packages catering to the needs of individuals and small businesses, including financing the purchase of new commercial properties, sub-sales, refinancing, redraws and remortgages. The scope of commercial properties under MaxiShop includes shop houses, shop offices, commercial lots in shopping complex, office lots, factories, industrial buildings. This product is applied under the concepts of Bai Bithaman Ajil (BBA). BBA is defined as deferred payment sale. BBA involves the sale purchase transactions between the bank and the customer. Under this concept, customers may defer total payment of the property in installments over a specific period of time. Variable Rate Financing (VRF) CASH LINE -i (OVERDRAFT) Murabahah  is another type of sale and purchase contract, with a deferred payment element. The contract of sale may take place when a buyer who wishes to purchase assets, requests the Bank to purchase assets at cost (purchase price) and in return the Bank will charge the buyer an agreed profit margin which is incorporated into the selling price. The selling price is subsequently payable on a deferred single payment. ExeCash-i Standard ExeCash-i Standard package is an Islamic Personal Term Financing under the Shariah principle of  Bai Inah  (sale with immediate repurchase).  Bai Inah  is a buy and sell contract whereby Maybank Islamic (the Bank) would sell its assets to the applicant on deferred payment basis. Subsequently, Maybank Islamic (the Bank) would buy back the same asset from the applicant at a lower price on cash basis. Under  Bai Inah  concept, Maybank Islamic will use its asset as an underlying asset for the sale and purchase transactions. ExeCash-i Special ExeCash-i Special package is an Islamic Personal Term Financing under the Syariah principle of  Bai Inah  (sale with immediate repurchase).  Bai Inah  is a buy and sell contract whereby Maybank Islamic (the Bank) would sell its assets to the applicant on deferred payment basis. Subsequently, Maybank Islamic (the Bank) would buy back the same asset from the applicant at a lower price on cash basis. ExeCash-i for GLC ExeCash-i for GLC is an Islamic Personal Term Financing under the Shariah principle of  Bai Inah  (sale with immediate repurchase).  Bai Inah  is a buy and sell contract whereby Maybank Islamic (the Bank) would sell its assets to the applicant on deferred payment basis. Subsequently, Maybank Islamic (the Bank) would buy back the same asset from the applicant at a lower price on cash basis. The  ExeCash-i for Government Linked Companies (GLC)  provides financing without collateral to meet any of your personal needs. KOWAMAS KOWAMAS is an Islamic Personal Term Financing under the Syariah principle of  Bai Inah  (sale with immediate repurchase).  Bai Inah  is a buy and sell contract whereby Maybank Islamic (the Bank) would sell its assets to the applicant on deferred payment basis. Subsequently, Maybank Islamic (the Bank) would buy back the same asset from the applicant at a lower price on cash basis.The personal financing package for  Koperasi Wawasan Malaysia Berhad (KOWAMAS)  provides financing without collateral to meet any of your personal need. Hire Purchase-i Hire Purchase-i is based on the underlying Shariah principle of Al-Ijarah Thumma Al-Bai (AITAB). It means leasing and subsequent purchase. It refers to 2 contracts undertaken separately and consequentially i.e.  Al-Ijarah  contract (leasing) and  Al-Baicontract (purchase). It is an extension of the principle of  Al-Ijarah  whereby both parties further agreed that at the end of the lease period, the customer will purchase from the Bank the asset concerned at an agreed price with all the lease rentals previously paid constituting part of the price. Operations of Hire Purchase-i are based on Hire Purchase Act 1967 whereby all provisions that conform to Shariah requirement are applicable. Maybankinvest-i Maybankinvest-i is an alternative Share Trading / Financing package from Maybank that is based on the Shariah principle of Murabahah. Under this contract, Maybank agrees to finance your share trading activities in approved Shariah counters listed in Bursa Malaysia. ASB Financing-i ASB Financing-i is another form of term financing to purchase ASB unit trust based on Shariah principles of  Bai Inah  (sales with immediate repurchase) 3.6 PERFORMANCE ANALYSIS OF MAYBANK ISLAMIC BERHAD The performance of Maybank Islamic Berhad are analyzed from the information that have been obtained from overall performance data of Maybank Maybank Islamic just been setup recently , thus the performance will be measured along with the parent company, all of the performance regarding loan that had been published and other information are depend from the performance of Maybank. The only thing that is separated is total net income and operational income of a Maybank Islamic  [1]  . The analyses that have been done by the researcher are from the analysis of a Maybank itself. It includes various information of a bank performance as a whole that gave a clearer picture about the important information regarding total asset, total liability, total loan and various more. Besides that, there is also analysis of a statement of income that includes the performance of Maybank Islamic. 3.6.1 Total Assets  [2]   For the financial year ended 30 June 2010, outstanding assets of the Group expanded by 8.4% or RM26.0 billion resulting the total asset of group at RM 336,700 Million while at the Bank level, it increased 4.2% or RM10.1 billion to record an amount of RM 248,392 Million . For the previous year, the corresponding growth rates were 15.5% at Group level and 8.7% at Bank level. The bulk of the Groups growth in assets was derived from the expansion of net loans and advances which grew by RM19.8 billion or 10.6% and RM7.0 billion or 4.9% for the Group and the Bank respectively. As at end of June 2010, net loans and advances represented 61.0% of total Group assets, higher than the 59.8% as at the end of June 2009. 3.6.2 Securities purchased under resale agreements  [3]   Securities purchased under resale agreements are securities which the Group and the Bank had purchased with a commitment to resell at future dates. The commitments to resell the securities are reflected as assets on the balance sheet. Conversely, obligations on securities sold under repurchase agreements are securities which the Group and the Bank had sold from its portfolio, with a commitment to repurchase at future dates. Such financing transactions and corresponding obligations to purchase the securities are reflected as liabilities on the balance sheet. As at end June 2010, the Group held RM371.2 million of securities purchased under resale agreements. 3.6.3 Deposits and Placements with Financial Institutions  [4]   The Groups deposits and placements with financial institutions grew by RM2.6 billion to RM8.9 billion or 41.5% as Customer deposits growth outpaced the growth in loans and advances. 3.6.4 Life, General Takaful and Family Takaful Fund Assets  [5]   After a growth of 7% or RM1.1 billion in the previous year, this balance sheet item grew by a similar 7% to RM18.0 billion as at end of June 2010 3.6.5 Securities Portfolio  [6]   The investment securities portfolio of the Group decreased by RM3.6 billion or 6.2% mainly due to a reduction of shorter tenor Available-for-Sale holding (RM5.2 billion) as interest rates were expected to rise in the first half of 2010. Securities Held-for-Trading increased by RM1.2 billion which was partially offset by the reduction in Available-for-Sale portfolio. Around 79% of the securities portfolio comprised of securities Available-for-Sale and further 16.5% securities Held-to-Maturity while 4.9% of the securities portfolio is Held-for-Trading. 3.6.6 Loans, Advances and Financing  [7]   The Groups net loans and financing for financial year of 2010 expanded by 10.6% or RM19.8 billion compared to 12.9% or RM21.2 billion the previous financial year. The Groups gross loans grew 10.3% compared to 13.0% the previous year with domestic and overseas loans growth of 11.0% and 8.8% respectively. The domestic operations growth of 11.0% was better than the 6.5% recorded in the previous year as consumer loans expanded by 15.0% on the back of the RM3.3 billion or 28.6% growth in securities loans, mainly for the purchase of relatively low-risk Amanah Saham Bumiputera units, and the RM2.6 billion or 13.2% increase in vehicle loans. The Groups overall domestic loans market share stood at 17.6% compared to 17.8% the previous year. Mortgage loans grew by RM3.1 billion or 9.8% compared to 3.3% in the previous year with market share at 13.4% compared to 13.9% the previous year. Credit card receivables for the financial year rose RM0.6 billion or 16.0%, outperforming the industrys 11.3% growth leading to market share rising to 12.8% from 12.7% the previous year. Automobile financing for domestic operations recorded a growth of 12.2% compared to 11.0% in the previous financial year and outperformed the industrys growth of 8.5%. With growth exceeding the industry, the market share for financing of motor vehicles rose to 17.4% from 16.8% in June 2009. As at June 2010, the overseas operations loan book accounted for 32.3% of the Groups loan base from 32.8% in the previous year. The gross loans book for Singapore recorded a growth of 3.4% or RM1.3 billion after registering a growth of 6.2% in 2009. While for Indonesia, mainly due to Bank Internasional Indonesia, gross loans grew 37.7% or RM4.7 billion to RM17.1 billion. In the other overseas locations, total gross loans declined 3.7% or RM0.4 billion mainly due to the reduction in loan exposure in the US and United Kingdom following the financial crisis. The Groups Islamic gross financing and advances grew by 31.2% or RM8.2 billion during the year. Islamic banking constitutes a growing portion of the Groups banking business, accounting for 16.3% of gross loans and financing from 13.7% the previous year. Islamic gross financing accounted for 24.0% of domestic gross loans, rising from 20.3% recorded in the previous year. Sustained efforts implemented to continuously improve asset qual ity have been effective. The Groups gross NPL ratio declined to 2.9% from 3.5% the previous year. The Groups net NPL ratio declined to 1.2% from 1.6% the previous year. The Groups net NPLs declined by RM0.5 billion to RM2.3 billion as at June 2010. The Groups NPL reserve cover (net of IIS) rose to a healthy 124.5% compared to 112.9% the previous year. 3.7 Deposits from Customers  [8]   The Groups customer deposits expanded by 11.4% or RM24.3 billion to RM236.9 billion while at the Bank level it grew by RM7.3% or RM11.9 billion to RM175.4 billion. The Groups strong franchise contributed to a growth of 9.1% for demand deposits and 9.9% for savings deposits. The Banks domestic operations remained the leader in both demand and savings deposits with market shares of 20.7% and 27.4% compared to 21.3% and 26.6% respectively in the previous year. Fixed deposits grew by 10.0% compared to 12.3% in the previous year. The Groups overall deposit funding mix improved slightly as the Groups higher cost fixed deposits declined to 55.1% of total customer deposits from 55.8% in June 2009 3.6.8 Deposits and Placements of Financial Institutions  [9]   This item fell by 19.2% or RM5.5 billion due to increase in deposits from customers (RM24 billion) which resulted in less sourcing of funds from interbank market. 3.6.9 Shareholders Equity  [10]   The Groups shareholders equity rose by 12.0% or RM3.0 billion to RM27.9 billion. The increase was mainly due to increase in retained profits for the year. 3.6.10 Net Interest Income  [11]   Net interest income of the Group increased by RM851.4 million or 14.4%. The average net interest margin was 2.82% from 2.72% the previous year due to lower interest expenses in the Malaysian operations, especially interest expenses from fixed deposits, and lower interest expenses in the Singapore operations as well as full year contribution from Bank Internasional Indonesia (BII) for financial year of 2010. 3.6.11 Islamic Banking  [12]   Net income from the Groups Islamic banking operations increased by RM210.4 million or 17.2% to RM1.4 billion. The increase was mainly due to growth of assets in Islamic business, specifically hire purchase and residential mortgages. 3.6.12 Overhead Expenses  [13]   The Groups overheads expenses rose by RM852.9 million or 15.3% over that of the corresponding year as a result of an increase in personnel cost, full-year contribution from BII and expansion of BII, higher establishment costs, and credit card related expenses due to higher transaction, volume. The Groups cost to income ratio declined to 49.8% from 52.8% previously as net income growth outpaced the growth in expenses. Personnel costs increased by RM364 million or 14.3% due to an increase in salary, EPF, bonus and training. Establishment costs increased by RM66.2 million as a result of higher cost from depreciation and rental. On a comparable basis, the Groups adjusted cost to income ratio (without insurance claims and unrealised loss) would be 47.8% against 49.1% for the previous financial year. 3.6.13 Loan and Financing Loss and Provisions  [14]   Loan loss and provisions of the Group amounted to RM1.2 billion, which is RM510.8 million or 30.1% lower than that of the previous year. This decrease was primarily due to high general provisions made in the final quarter of financial year end of 2009 resulting from the weak global economic situation. 3.6.13 Taxation  [15]   The effective tax rate of the Group is 26.1% which is higher than the statutory rate of 25% mainly due to non-deductible expenses. 3.7 CONCLUSION From the analysis it clearly shows that the financial performance of Maybank Islamic experienced a strong growth. The increasing of the loan product especially individual loan and also with the stable increase of total income after tax , in addition to that the reducing of non performing loan portrayed the growth of Maybank Islamic especially their financial performance . According to a rough estimation from the analysis, it clearly shows that Maybank Islamic can compete with other Islamic banking institution. Based on the total asset that is increasing yearly and non performing loans that are reducing, it portrayed that the total net asset of Maybank Islamic are going stronger. Besides that, the increasing of individual loan shows that this institution gaining the trust of the community. Although there is a slight fall in Islamic deposit, but it is mainly because of Islamic debt and sukuk debt that occur outside of the country resulting the cost of fund to increase, and it is not because of a belief of a people about Islamic product offered by Maybank Islamic are not interesting enough. As a conclusion, Maybank Islamic Berhad has a strong position in their field as their finance and asset position are really good.