Describe the purpose of assessment in Adult nursing Essay

Portray the reason for evaluation in Adult nursing - Essay Example Passionate and social factors then again incorporate occupation, duties, family ties, disposition towards medicinal services, enthusiastic tone and temperament (Dougherty and Lister, 2011). Nursing appraisal is basic as it is the establishment of a viable nursing care plan. A far reaching nursing evaluation is directed by an enrolled medical attendant and it very well may be characterized as broad and continuous assortment of information for families, people and networks on the loose. This progressing information assortment is a technique for tending to new and foreseen changes in the wellbeing of a person in contrast with the past condition. More established individuals need proceeding with social insurance in view of their interrelated human services issues. Nursing appraisal for the grown-ups is done to guarantee that they get the suitable convenient and powerful reaction to their medical issues and needs (National Council of State Boards of Nursing, 2011). There is another sort of nursing evaluation known as the engaged nursing. As per the national chamber of states sheets of nursing (2011), this is an evaluation of the wellbeing status of an individual creation a commitment to thorough appraisal to help the progressing information assortment. Cente red evaluation additionally encourages the medical caretakers to settle on a choice of who should be given the data and when it is proper to do as such. Concentrated appraisal is explicit on patients in crisis. Evaluation is normally the initial phase in the nursing procedure in this manner it is the reason for a decent social insurance plan (Schaller-Ayers and Fuller, 2000). The vital subtleties for making precise appraisals are to see all patients comprehensively so as to recognize their requirements. Evaluation isn't only a simple assortment of information however includes the basic considering medical attendants to approve and combine the data to make educated decisions regarding the existence procedure of people (Standing, 2010). It is tied in with comprehension and depicting

Operational Decision Making

Operational Decision Making Organization Description Rotana Jet Aviation, otherwise called Rotana Airways, is one of the main household aircrafts in the United Arab Emirates. This carrier organization has its principle working base in Al†Bateen Airport, which is around 10 kilometers from Abu Dhabi City. The organization offers venture out administrations to both the household and worldwide passengers.Advertising We will compose a custom evaluation test on Operational Decision Making explicitly for you for just $16.05 $11/page Learn More The organization has been quick to offer quality administrations to its clients. This is reflected in its statement of purpose that says, â€Å"To offer quality travel administrations to household and worldwide explorers at sensible costs.† The organization has been encountering development in the market, particularly in the wake of adding new global courses to the already existing courses. Portrayal of Operations It is essential to comprehend the operational exerci ses of Rotana Jet, and the methods through which it transforms its contributions to yield. As expressed over, this firm offers venture out administrations to its customers in the market. One of the principle contributions of this firm is the planes used to convey the administration. The firm buys the planes (input) which it uses to offer the movement administrations (yield) to the customers starting with one area then onto the next. Another significant information that the firm has been utilizing is the amusement offices, particularly the music framework fitted in the seats. This information is utilized to offer diversion administrations to its customers. The firm uses espresso, water, and sugar as contributions, to make espresso as the item for its customers while on board their planes. As Bruce (40) watches, the current serious market in the aircraft business is compelling the carrier organizations to offer better quality items so as to draw in a pool of faithful client. This clar ifies why Rotana Jet is enthusiastic about contribution their customers beverages and amusement administrations. Another significant info that this firm uses in its activities is the human work, which incorporates pilots and lodge team. The pilots work to guarantee that customers are flown starting with one area then onto the next, while other lodge groups fill in as a group to guarantee that the excursion is increasingly agreeable for the clients. Gracefully Chain Decisions In the current serious market, firms are quick to guarantee that they utilize the best procedure in their flexibly chain the executives. This is on the grounds that they are feeling the squeeze to guarantee that they are proficient in their activities. Sauter (73) sees that there is have to guarantee that obtaining of crude materials, their development to the firm, and dispersion procedures utilized by a firm are productive so as to build profitability.Advertising Looking for appraisal on business financial matt ers? We should check whether we can support you! Get your first paper with 15% OFF Learn More Rotana Jets has been quick to guarantee that its flexibly tie is overseen suitably to convey the ideal outcomes in the market. The chart underneath shows probably the most significant exercises that the tasks chief will be worried about in flexibly chain the board. The items, particularly the planes will be coming legitimately from the producer to the firm. When this is gotten, the firm will utilize the contribution to offer travel administrations to the client. Activities director will consistently need to settle on a choice of whether to make such requests through entrenched operators in the market, or to contact the maker straightforwardly. This choice will consistently be guided by the related expenses. One of the primary procedures that this firm has been utilizing in the market to build its profitability is cost authority. This implies Rotana Jet’s tasks supervisor would decide the alternatives accessible in the flexibly chain, and decide the related expenses at each phase in the exercises recognized previously. The firm would then settle on a choice on the choice that is generally proficient and savvy. As indicated by Sauter (51), in gracefully chain the board, firms are constantly worried of the best way to deal with use so as to guarantee that they get contributions to time and at the most alluring plans so a chain of different exercises can start. Given the cost administration system that this firm has been utilizing, it is significant for the operational chief to guarantee that the choice on the way to deal with take in procuring the sources of info is aware of these components. The administration ought to guarantee that the item is constantly prepared at whatever point the clients need them. Operational Decisions Understanding basic operational choices inside a firm is one of the routes through which a firm can increase upper hand in the market (Mah adevan 81). One of the most significant basic operational choices is the decision of item structure. Rotana Jet must devise an approach to structure its items in a way that will give it a bit of leeway in the market.Advertising We will compose a custom evaluation test on Operational Decision Making explicitly for you for just $16.05 $11/page Learn More It is a reality that all aircrafts offer travel administrations to their clients. Notwithstanding, Rotana must plan its items in a one of a kind way that will help separate its administrations in the market. The administration should settle on a choice to structure one of a kind seats, modified diversion administrations, great client care, and other one of a kind characteristics to its items. These choices would have an immediate commitment to the general procedure of the firm. The recognized choice zones center around improving nature of administrations of this firm in the market. They are legitimately worried of how Rotana Jet will offer emphatically one of a kind support of its clients. This implies the activities chief must consider settling on these choices out of the longing to offer quality support of its clients at sensible costs. For this to be accomplished, the administration must guarantee that expenses of creation are kept up as low as could be expected under the circumstances. Efficiency According to Anderson (56), a firm ought to have an away from of estimating profitability. This will help it while deciding the manageability of its activities. At Rotana Jets, the need to quantify profitability is solid. This is a direct result of the expanding rivalry in this market, and the increasing expenses of creation. The primary methodology of estimating profitability in this firm is through deciding the yield that is made of the operational exercises. The yield will be estimated through deals made after a given exchanging period. The firm would then decide the related expenses during that period. The profi tability would then be controlled by deducting the expenses from deals to discover the benefits. The benefits will help in understanding the profitability of the firm. The benefits created should be sensible enough to continue operational exercises of this organization, and have the option to encourage advancement. To improve efficiency of this organization, the operational supervisor ought to grow the extent of the firm’s web showcasing to incorporate online life promoting. This is on the grounds that internet based life, for example, Facebook and Tweeter are utilized by an enormous number of individuals who can shape some portion of the client base of this firm. This procedure will likewise assist this with firming make viral advertising in the internet.Advertising Searching for evaluation on business financial aspects? How about we check whether we can support you! Get your first paper with 15% OFF Find out More Anderson, David. An Introduction to Management Science: Quantitative Approaches to Decision Making. Artisan: South-Western, 2008. Print. Bruce, Peter. Understanding Decision-Making Processes in Airline. New York: Cengage, 2012. Print. Mahadevan, Bernard. Activities Management: Theory and Practice. Upper Saddle River: Pearson, 2010. Print. Sauter, Vicki. Choice Support Systems for Business Intelligence. Hoboken: John Wiley Sons, 2011. Print. Informative supplement Cabin Crew Offering Value-Added Service to the Customers

Cyberbullying Communication, Recognition and Action Steps

Cyberbullying Communication, Recognition and Action Steps FutureFit RL RF ? Use this colorful printable to teach children 3 strategies for recognizing and dealing with cyberbullying. Focused on 3 core strategies - Communicate, Recognize, and Take Action - the printable includes practical tips and advice for parents, teachers and caregivers and is appropriate for use as a take-home handout. This material was developed specifically for use with children by the Center for Cyber Safety and Education, as part of the Safe and Secure Online educational program. More information about the program can be found at the Safe and Secure Online website. Center for Cyber Safety and Education

1960s Diary Entries - 1561 Words

1960s Diary Entries Witness to the assassination of Malcolm X HIS 135 Dear Diary, I am one of many to witness the assassination of Malcolm X. On February 21, 1965 today we have lost a legacy. Malcolm X was a strong speaker, and was moved by many African Americans. He did so much to make us feel connected with our African American heritage. He would say the words that we would think but were scared to say. Malcolm X lost his life by the Nation of Islam; everyone is surrounded by questions of this fearless man’s death. The files The Files of Malcolm X, reveals The Smoking Guns in the FBI reports, which was dated for February 22, 1965, the files declares that Malcolm X had 10 gun shots penetrating to the chest, his thigh and†¦show more content†¦Even though Malcolm X received many death threats and even had his house set on fire on Feb. 14, 1965, a week before today. I still remember the interviews he gave â€Å"I’m a marked man. It doesn’t frighten me for myself as long as I felt they would not hurt my family†¦. No one can get out without trouble, and this thing with me will be resolved by death and violence.† He was brave, strong, and a true man. Who has touch hearts of many. He will always be remembered as a hero, who became a symbol of black pride and social protest. His legacy will be remembered by many and he will live on in history, for his messages he advocated for a majority of his public life. Malcolm X Is Assassinated by Black Muslims. (2012, February). , (), . Retrieved from http://learning.blogs.nytimes.com/2012/02/21/feb-21-1965-malcolm-x-is-assassinated-by-black-muslims/ 1970s Diary Entries An nurse serving in Vietnam HIS 135 Dear diary today is my first day as a nurse in Vietnam, I have to say that it not what I had expected. First off I expected to be in a big hospital building, with good equipment to work with. However I did not expect to work in small tents. There is very little room, and hard to move around with so many people. There are so many soldiers who are wounded, and can barely move. I have to say that this job is exhausting because more soldiers keep coming, some of the menShow MoreRelatedAssessment 2: Digger J. Jones Close Reading. Jackie Miller-1553 Words   |  7 PagesAssessment 2: Digger J. Jones Close reading Jackie Miller- MillerJA Digger J. Jones written by Richard J. Frankland (2007) is a historical fiction text written by a 11 year old character in a Diary s form .Set in 1967 during the Vietnam war is about the protagonist Digger J. Jones (D.J.J) and his experiences as an Australian aboriginal child during the time of the Vietnam war as well as during the national referendum. The select passage on pages 7-9 contains a letter from the main protagonistRead MoreRichard Frankland s Digger J. Jones1650 Words   |  7 Pagesexplore the narrative and language features and how they work to position the implied child reader. On the surface, this novel appears to be solely about the Australian history, specifically the events of the Australian Referendum and Vietnam War in the 1960s, however, themes typical of Young Adult Fiction, such as struggle, belonging and coming of age, are investigated in the text. Themes give the implied readers the ability to relate to aspects of the storyline as well as see inspiration in the characters’Read MoreCharacter Analysis Of Ann Frank s First Diary Entry985 Words   |  4 Pageswhile in school. Another name associated with Hitler as well as his time of power is Anne Frank. â€Å"...But I m not sorry, memories mean more to me than dresses.† From Anne Frank’s first diary entry (Simkin, John.) that simple sentence speaks volumes to what kind of person Anne was. From books, plays, movies and her diary about her life they have captivated so many for years. A child who grow up in a time that would go down in history and be forever remembered for generations to come, that still managedRead MoreAnne Frank : A Intelligent Girl Who Tragically Died At The Age Of Nineteen1460 Words   |  6 Pagesin hiding, in the camp, and the discovery of her diary. The simple girl from Germany who didn’t share her thoughts, would change the world without saying a word. â€Å"Think of all the beauty still left around you and be happy.† This quote by Anne Frank shows that she always tried to make the best of bad situations, even in the worst of times. She had a mind that was very abstract, and did not share her thoughts much, but wrote them down in her diary instead. Anne Frank lived with her mom, dad, andRead MoreReview Of Gone Girl 1188 Words   |  5 Pagesâ€Å"Master of Suspense† (Ramirez Berg, 2015). Hitchcock was integral in creating the codes the codes and conventions of the thriller genre. These codes and conventions can be seen in some of Hitchcock’s films such as Vertigo (1958), Rope (1948) and Psycho (1960) as well as in every other thriller film. Some other conventions of the thriller genre include low key lighting, tense music and montages. All of these conventions are used in both Fincher’s Gone Girl and in many of Hitchcock’s films such as RearRead MoreThemes Of Escape, Addiction, And Sexuality993 Words   |  4 PagesIn fact, he was so immature and naà ¯ve about drugs that he thought marijuana was addictive and heroine was not. It did not take long for his addiction to manifest. Jim Carroll grew up in a difficult time of political and social upheaving. During the 1960’s, the Unites States a t war with Vietnam, Russia (The Cold War), and also faced a nuclear threat from Cuba (The Cuban Missile Crisis). Civil unrest, disobedience, increased racial tension and riots also proceeded this era. Young Jim Carroll felt powerlessRead MoreEssay on The Internet1096 Words   |  5 Pageslatter half of the twentieth century, they might well remember it less as the time man walked on the moon and more as the time when the Internet was born. The Advancement Research Projects Agency Network, known as the ARPANET, was developed in the 1960s by the U.S. Department of Defense. This was the worlds first operational informational sharing network, and the predecessor of what we now call the Internet. Although the creation of the Internet was primarily to allow the sharing of resourcesRead MoreAtomic Bomb: Alperovitz Essay2382 Words   |  10 Pagesthere deployment. The Alperovitz thesis of the 1960 was accepted for many years. The thesis revolved around the idea that the atomic weapons were deployed as diplomatic tools to intimidate the Soviet Union. Like many revisionist historians this essay will oppose the thesis of Alperovitz, and in doing so, attempt to understand why it was that the Truman administration decided to drop the atomic weapons on Japan in the summer of 1945. Trumans diary entries and letters are fundamental to understandingRead MoreCreativity in Literacy Practices2408 Words   |  10 Pagesbegins by discussing and exploring the premises of an analysis of creativity at text level following a textual approach to literacy and creativity; assessing the extent to which it is effective in identify creativity in literacy practices such as diaries, letters and graffiti. However, I would like to continue by presenting the argument that while literacy practices do offer opportunities for creativity at text level, the study and identification of creativity in literacy practices may be more productiveRead MoreCreativity in Literacy Practices2398 Words   |  10 Pagesbegins by discussing and exploring the premises of an analysis of creativity at text level following a textual approach to literacy and creativity; assessing the extent to which it is effective in identify creativity in literacy practices such as diaries, letters and graffiti. However , I would like to continue by presenting the argument that while literacy practices do offer opportunities for creativity at text level, the study and identification of creativity in literacy practices may be more productive

Short Essay on Coalition Governments in India - 1871 Words

India won her independence in 1947 and for winning this independence Congress, as a political party, played the predominant role. The leaders of the Congress party, then, were great leaders — stalwarts — really dedicated to the cause and to the party which they served. Mahatma Gandhi was the undisputed leader and there were leaders of such caliber as Jawahar Lai Nehru, Sardar Vallabhbhai Patel, Dr. Rajendra Prasad, C. Rajagopalacharya, Pattabhi Sitaramayya, Sarojini Naidu, Subhash Chandra Bose and a host of others of all castes and all creeds. Among Muslims, there were Khan Abdul Gaffar Khan, Abul Kalam Azad, Rafi Ahmed Kidwai and among the lower castes — lower castes as then was called — Kamraj in South and Dr. B.R. Ambedkar. Nobody†¦show more content†¦There had started a gradual decline in the overall governance of the country and the worst ever shock was received by the country in the Chinese aggression in 1962 in which India had to suffer a great humiliation for which Krishna Menon, as the Defense Minister was largely responsible. Further on, on the economic front also, the government in power failed to remove the disparities between the rich and the poor, rather the disparities increased, and there started a voice being raised regarding the backward classes — who were regarded as economically backward — and a further class of ‘Other Backward Classes’, other than the scheduled castes and scheduled tribes came into being and Chaudhary Charan Singh, otherwise and originally a Congressman became the leader and the champion of the Backward classes. During the regime of Indira Gandhi, politics had declined to manipulations and maneuverings to remain in power and the mobilisation of money and muscle power and the media, the law interpreting authorities and the educational system — all these were attempted to be managed in her favour. Just after gaining independence, Mahatma Gandhi had suggested that congress as a political party should be disbanded. That of course, was not done but under Indira Gandhi a vertical rupture took place in the party with a number of old stalwarts deserting the party, forming into Congress (O) under Nijalingappa and Indira Gandhi formed her own group and this was named as Congress (I) ofShow MoreRelatedIndian Trade And Exchange Internationally And Within The Bengal Region1530 Words   |  7 Pageseighteenth century. 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Since India is the second most heavily populated country in the world, British telecommunicationRead MoreProspects of Democracy in Nepal2060 Words   |  9 PagesIntroduction The Federal Democratic Republic of Nepal is a landlocked sovereign state situated in South Asia. The country is bordered by the People’s Republic of China and the Republic of India. Kathmandu is capital of Nepal and also the largest metropolis of the country with a population of around five million. Total population of the country is around 27 million while two million of them are abroad for jobs and education. Official language of the country is Nepali while Nepal Bhasa, Maithili andRead MoreWhat are Presidentialism and Parliamentarism? 2332 Words   |  10 Pagesparliamentarism are two major forms of democratic government systems. Nearly all political systems in the world are modeled on them. (Mahler, 2000) The former is best respresented by the United States while the latter one is represented by the United Kingdom. The discussion in this essay is based on pure presidentialism and pure parliamentarism, excluding those political forms which contain only some features of these two systems. The focus of this essay is on the virtues and vices of both systems andRead MoreMalaysia s Transition Into Democracy2255 Words   |  10 Pagesstaying true in the future. Their Civil Society still battles being constantly repressed by their government along with ethnic conflict, and even t heir media outlets are still highly controlled by the government. The only way that Malaysia may be able to stay true to democracy is if a political change in culture occurs and has the mass support of its people to want to change their country’s ways. This essay analyzes Malaysia’s tricky transition into democracy. 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Moreover, some examples will be given to show how strict that Australia’s policy is to these illegal migrants, how its policy influence the human rights and what changes Australia’s government has made in these

Micro Environment Free Essays

string(31) " to health and education, etc\." |Chapter | | 1 | Introduction 1. 1 Problem Background There are about three billion people, half of the world’s population, living on the income of less than two dollars a day. Among these poor communities, one child in five does not live to see his or her fifth birthday. We will write a custom essay sample on Micro Environment or any similar topic only for you Order Now One study in 2006 showed that the ratio of the income between the 5% richest and 5% poorest of the population is 74 to 1 as compared to the ratio in 1960, which was 30 to 12. To enhance international development, the United Nations Organization (UNO) announced the millennium development goals,aimed to eradicate poverty by 2015. In this regard, microfinance is the form of financial development that has its primary aim to alleviate the poverty. Governments, donors and NGOs around the world responded enthusiastically with plans and promised to work together towards the realization of these goals. In the recognition of microfinance, the UNO celebrated the year 2005 as a year of micro-credit, as a result this financing instrument is perceived worldwide as a very effective mean against hunger and poverty, mainly in developing countries. Microfinance is a credit methodology, which employs effective collateral substitute for short-term and working capital loans to micro-entrepreneurs. The level of a country’s poverty has long been linked with measures of its economic development. Little consideration was given to the social reorganization of the natural resources (e. empowerment vs. alien ation of people, sustainable use vs. depletion of the environment). The economies with positive growth rate of Gross National Product (GNP) were measured by their poverty mitigation. This gratitude emphasized on the achievement of wealth and technology as a path for development and assumed that improved lives for all would be the natural consequence. Microfinance is not a new development. Some developed countries as well as developing countries particularly in Asia hav e a long history of microfinance. During the eighteenth and nineteenth centuries, in number of European countries, microfinance evolved as a type of the informal banking for the poor. Informal finance and self-help have been at the foundation of microfinance in Europe. The early history of microfinance in Ireland can be traced back to 18th century. It is a history of how self-help led to financial innovation, legal backing and conductive regulation, and creating a mass microfinance movement. But the unpleasant regulations prompted by commercial bankin g brought it down. The so-called Irish loan funds appeared in early eighteenth as charities, initially financed from donated resources and offering interest free loans. They were soon replaced by financial intermediation between savers and borrowers. Loans were granted on short–term basis and instalments were scheduled on weekly basis. To enforce the repayment, monitoring process was used. In Latin America and South Asia, the microfinance has grown out of experiments, but the best-known start was in Bangladesh in 1976, following a widespread famine in 1974 and a hard-fought war of liberation in 1971. Its origin can be traced back to 1976, when Muhammad Yunus set up the Grameen Bank, as an experiment, on the outskirts of Chittagong University campus in the village of Jobra. The inspiration of Grameen Bank came to Muhammad Yunus’ mind when he lent the equivalent of $26 to $42 to exploited women who were working as bamboo furniture maker. He saw that, they were enthusiastic about it and paid back their loans on time. In the beginning, Muhammad Yunus focused the activities of Grameen Bank mainly on savings and small loans, and decided to put the interest rates high enou gh to cover the expenses. Finally yet importantly, he asked borrowers to organize themselves in solidarity groups of five people (who have to meet every week in order to repay their loans and to ex change their opinions). Inspired by the success of his experiment, he decided to spread out this system to other villages in Bangladesh. In 1983, this institution became a bank. Today it operates in almost 36000 villages and serves more than 3500000 people. On 13th October 2006, the Nobel Peace Prize went to Muhammad Yunus and Gramen Bank, the microfinance institution he founded 30 years ago. Muhammad Yunus has shown himself to be a leader who has managed to translate visions into practical action for the benefit of millions of people, not only in Bangladesh, but also in many other countries. Loans to poor people without any financial security had appeared to be an impossible idea. 2 Eventually we are in a situation, in which Muhammad Yunus, the founder of Grameen Bank, tells us the goal spread of micro-credit and finance, which give us the hope, may be our great-grandchildren will go to museums to see what poverty was like. This report is about microfinance and its contribution to the improvement and poverty alleviation for millions of the poorest people of Bangladesh. Micro finance has a huge impact on the lives of millions of poor people.. Numerous scholars and NGOs have been working to take microfinance within the reach of poor people, who are still not benefited by the conventional financial system. It was believed that microfinance is not important for all people but most groups can benefit from this idea. In this report, we try to present evidence of the important contributions made by microfinance in the eradication of poverty by increasing the income generating activities, empowerment of poor people to access development services such as health and education, and reduction in vulnerability. 1. 2 Problem Statement In the light of problem, background leads to the following problem statement, Impact of Microcredit on poverty alleviation of the poor people in Bangladesh 1. 3 Objectives of the study To be meaningful, every work must have to formulate the objectives of the study. In the light of the topic of the report, the objective of this study is to show how microcredit works, by using group lending methodology for reducing poverty and how it effects the living standard (income, saving access to health and education, etc. You read "Micro Environment" in category "Essay examples" ) of the poor people in Bangladesh. 1. 4 Methodology of the study Data information are mainly collected from secondary sources. We have used several books, research literatures, articles, journals and report, as secondary sources for our study. Internet sources were also used as a secondary source for our report. Since the internet sources are less reliable, we have limited the use of those sources to the web pages of prominent organizations like Grameen Bank. Most of the sources, we tried to use, are reliable and are acceptable almost everywhere. Nevertheless, from them we had to choose the most appropriate literature for our report. For this reason, we had to go through numerous references related to this topic, to find the suitable materials. Besides these, Google Scholars were also used to find the suitable research material. The keywords used when searching for scientific articles and literatures were; microcredit, microcredit and Bangladesh, poverty reduction and microcredit, Muhammad Yunus and microcredit,living standards and microcredit etc. 1. 5 Limitations Due to shortage of time, the accuracy of information may not have been completely flawless. 1. Definitions and Key Concepts Microcredit It is a component of microfinance and is the extension of small loans to entrepreneurs, who are too poor to qualify for traditional bank loans. Especially in developing countries, micro-credit enables very poor people to engage in self-employment projects that generate income, thus allowing them to improve the standard of living for themselves and their families. Poverty Poverty is a condition in which a person of a co mmumity is deprived of the basic essentials and necessities for a minimum standard of living. Since poverty is understood in many senses, the basic essentials may be material resources such as food, safe dringking water and shelter, or they may be social resources such as access to information, education, health care, social status, political power, or the opportunity to develop meaningful connections with other people in society. According to the World Bank’s (1980 ) definition of poverty, condition of life so characterized by malnutrition, illiteracy, and disease as to be beneath any reasonable definition of human decency. Extreme Poverty/Absolute Poverty Extreme poverty is the most severe state of poverty, where people can not meet their basic needs for survival, such as food, water, clothing, shelter, sanitation, education and health care. Eradication of extreme poverty and hunger by 2015 is a Millennium Development Goal set by UNO. To determine the number of extreme poor people around the world, the World Bank characterizes extreme poverty as living on the daily income of US $1 or less. It has been estimated that around 1. 1 billion people currently live under these conditions. Moderate poverty It indicates the condition where people earns about $ 1 to $2 a day, which enables households to just barely meet their basic needs, but they still have go for many of the other things – education, health care –that many of us take for granted. Relative Poverty It means that a household has an income below the national average income. Micro finance Institutions (MFIs) A microfinance institution is an or ganization, engaged in extending micro credit loans and other financial services to poor borrowers for income generating and self-employment activities. An MFI is usually not a part of the formal banking industry or government. It is usually referred to as a NGO (Non-Government Organization). |Chapter | | 2 | Theoritical Framework 2. 1 What is microcredit? Microcredit is the extension of very small loans (microloans) to the unemployed, to poor entrepreneurs and to others living in poverty who are not considered bankable. These individuals lack collateral, steady employment and a verifiable credit history and therefore cannot meet even the most minimal qualifications to gain access to traditional credit. Microcredit is a part of microfinance, which is the provision of a wider range of financial services to the very poor. 2. 2 Features of microcredit †¢ Size – loans are micro, or very small in size †¢ Target users – micro entrepreneurs and low-income households †¢ Utilization – the use of funds – for income generation, and enterprise development, but also for community use (health/education) etc. †¢ Terms and conditions – most terms and conditions for microcredit loans are flexible and easy to understand, and suited to the local conditions of the community. Usually micro-credit is provided to a particular geographical area or community. †¢ Micro-credit funds are sometimes initiated in response to the needs of a particular group. †¢ Some loan circles and lending institutions require participants to attend ongoing business training and mentoring programs, which is not the case with traditional debt lending. †¢ Micro-c redit is recognized as having increased risk and is treated as a separate class of product by lenders. †¢ Its mission is to help the poor families to help themselves to overcome poverty. It is targeted to the poor, particularly poor women. 2. 3 Classification of microcredit I. Traditional informal microcredit (such as, moneylender’s credit, pawn shops, loans from friends and relatives, consumer credit in informal market, etc. ) II. Microcredit based on traditional informal groups (such as, tontin, su su, ROSCA, etc. ) III. Activity-based microcredit through conventional or specialised banks (such as, agricultural credit, livestock credit, fisheries credit, handloom credit, etc. ) IV. Rural credit through specialised banks. V. Cooperative microcredit (cooperative credit, credit union, savings and loan associations, savings banks, etc. VI. Consumer microcredit. VII. Bank-NGO partnership based microcredit. VIII. Grameen type microcredit or Grameencredit. IX. Other types of NGO microcredit. X. Other types of non-NGO non-collateralized microcredit. |Chapter | | 3 | Major MFIs and their role in Bangladesh Back during late 1970s, when the Jobra experiment was underway under Professor M. Yunus, the Dheki Rin Prokolpa was ini tiated by the Bangladesh Bank in collaboration with the Swanirvar Bangladesh, and several other pilot schemes were initiated by a handful of the NGOs who were active then. At that time, it was difficult then to conceive that these initiatives would lead to a major micro-credit movement, which would make Bangladesh known to the rest of the world. Even during the 1980s, in spite of Grameen Bank’s success, the main discourse amongst development practitioners in Bangladesh centred on the desirability of micro-credit program as opposed to concientization. By 1990, unhindered experimentation in the fields led to a quiet resolution of the debate and the country experienced a massive expansion of micro-finance activities during the 1990s. This is borne out by the figures on the time path of MFI expansion (see Figure 1), [pic] Many studies and surveys have been carried out by different agencies regarding the working of MFIs and their impact on the poor people in Bangladesh. The agencies like Bangladesh Institute of Development Studies and World Bank have found strong evidence that functioning of MFIs have helped the people in meeting their daily needs and at the same time building their assets. It has been stated in The World Bank Economic Review that microfinance has not only helped people to develop in their material capital but also in the human capital, by better access to health care and education system, and general awareness among the people about their rights and duties towards society. However, there are numerous MFIs working in Bangladesh at present so it is almost impossible to mention all of them. Therefore, we have chosen four of the most important ones and try to give the overview of them. 3. Bangladesh Rural Advancement Committee (BRAC) With a vision of â€Å"a just, enlightened, healthy and democratic Bangladesh free from hunger, poverty, environmental degrad ation and all forms of exploitation based on age, sex, religion and ethnicity†, BRAC started as an almost entirely donor funded, small-scale relief and rehabilitation project to help the country overcome the devastation and trauma of the Liberation War. Today, BRAC has emerged as an independent, virtually self-financed paradigm in sustainable human development with its motto ? Alleviation of poverty and empowerment of the poor. It is the largest in the world employing 97,192 people, with the twin objectives of poverty alleviation and empowerment of the poor. Through experiential learning, BRAC today provides and protects livelihoods of around 100 million people in Bangladesh. Diagnosing poverty in human terms and recognizing its multidimensional nature, BRAC approaches poverty alleviation with a holistic approach. BRAC’s outreach covers all 64 districts of the country. 3. 1. Microfinance Programs of BRAC, at a Glance (Source: BRAC Annual report 2005) |Inception of micro finance programme |1974 | |Programme coverage |Districts 64,Thanas:507 | |Total No of Area/Branch Offices |1,381 | |Total No of village Organizations |160,197 | |Total No of Members |4,837,099 | |Percentage of Women Members |98% | |Outstanding Borrowers |4,159,793 | |Cumulative Loan Disbursement |165,794 million (US $3,094) | |Members’ Savings |9,159 million (US 141 milli on) | |Average Loan Size |9,452(US $145) | |Repayment Rate |99. 49% | 3. 2 Grameen Bank The history of origin of Grameen Bank can be traced back to 1976, when Professor Muhammad Yunus, head of the Rural Economics Program at the University of Chittagong, launched an action research project to examine the possibility of designing a credit delivery system to provide banking services targeted at the rural poor. The initial activities started from Jobra village (adjacent to Chittagong University) and some in th e neighboring villages in the following years. Later in 1979, with the sponsorship of central bank and support of the nationalized commercial banks, the project was extended to Tangail, a district north of Dhaka. Later the Grameen Bank became an autonomous organization through the government legislation of October 1983. Today, Grameen Bank is mainly owned by the people whom it serves and they own 90% of its shares and remaining 10 % are owned by the government. 3. 2. 1 Microfinance Programs of Grameen bank, at a Glance (Source: Gra meen Bank annual report 2007) |Numbers of Members |7. 5 million | |Percent of Women Members |97% | |Number of Canters |99,502 | |Number of Villages covered |59,912 | |Number of Branches |2,499 | |Number of Areas |81,334 villages | |Number of Zones |21 | |Cumulative amount Disbursed since Inception |256,497. 40 (Million Taka) | |Cumulative Disbursed durin g |2005 39,183. 49 (Million Taka) | |Amount of Loan outstanding |27,970. 31 (Million Taka) | |Members |20,138. 7 (Million Taka) | |Non-Members |11,521. 19 (Million Taka) | |Portfolio Growth Rate |39. 66% | 3. 3 Association for Social Advancement (ASA) ASA in Bengali means ‘HOPE’. ASA is a non-governmental organization based in Bangladesh, which provides micro-credit financing. It was established in 1978 by Shafiqual Haque Choudhury who is also the current chairman. Its functioning is basedon the institutional support system. Innovations and simplifications of staff training, monitoring and bookkeeping are the three areas responsible for ASA’s ability to effectively manage established units and pursue bold growth initiatives simultaneously. This makes the operations smooth and efficient. This makes it simple and easy to operate both for the organization and for the clients, without the unnecessary delays of bureaucracy and red-tape. Its mission is to â€Å"reduce poverty and improve the quality of life of the poor through the provision of qualitative and responsive micro finance services in an innovative and sustainable way†. ASA offers a successful alternative microfinance model to that of the Grameen bank. ASA combines low cost operations and high growth to fuel its success. ASA continues to perfect the role of financial intermediation by developing a variety of savings p roducts that are quite successful at generating the necessary funds from local sources. The experiences of ASA’s managerial dynamism and replication of its simple model have much to offer the diverse microfinance sector as it accommodates demand for quality Financial services by the poor masses. ASA is confident that a financially viable microfinance sector that provides competitive financial services to its customers will be able to expand outreach at a pace similar to its own. 3. 3. Microfinance Programs of ASA, at a Glance (Source: ASA Annual Report 2005) |Inception of micro finance programme |1978 | |Programme coverage |Evenly distributed over the country | |Total No of Area/Branch Offices |2,291 | |Total No of village Organizations or groups |178,904 | |Total No of Members |5. 99 millions | |Percentage of Women Members |Not sex biased | |Outstanding Borrowers |4. 8 millions | |C umulative Loan Disbursement |33,082 million (Taka) | |Total Members’ Savings |3,036 million (Taka) | |Average Loan Size |Taka 7,129 | |Avg. savings balance by members |Taka 748 | 3. 4 Proshika Immediately after the ‘WAR OF LIBERATION’ in 1971, a group of young men, who could realize the inadequacy of the conventional development practices, began to plan development activities with an alternative appr oach. With an objective to contribute to rebuilding the war-ravaged country, they formed Proshika Manobik Unnayan Kendra (Proshika Centre for Human Development). The development process of PROSHIKA, one of the largest NGOs of Ban gladesh, started in a few villages of Dhaka and Comilla districts in 1975, although the organization formally took its first step in 1976. Proshika is an acronym of three Bangla words, proshikkhan (training), shikkha (education) and kaj (action). PROSHIKA envisages a society, which is economically productive and equitable, socially just, environmentally sound, and genuinely democratic. The main mission of PROSHIKA is to conduct an extensive, intensive, and participatory process of sustainable development through empowerment of the poor. Through empowerment, the poor are or ganized and made aware of the real causes of their impoverishment, a leadership is developed among them, their material resources are mobilized, income and employment is increased, and capacities are developed to cope with natural disasters. Empowerment makes th e poor functionally literate, enables them to take better care of their health, to get involved in environmental protection and regeneration, get elected in local government bodies and community institutions, and provides the poor with better access to public and common property resources. 3. 4. 1 Microfinance Programs of PROSHIKA, at a Glance ((Source: PROSHIKA Annual Report 2005) |Numbers of Members |2. 7 millions | |Percent of Women Members |Approximately 60% | |Number of Groups |148,039 | |Number of Villages covered |23559 | |Number of Slums |2102 | |Number of Households |2. 3 millions | |Number of primary Groups |148,039 | |Cumulative Disbursed during 2005 |Taka 31,870 millions | |Number of Education Centres Set Up So Far |53,616 | |Persons graduated with technical skills |1. 11 millions | |Chapter | | 4 | Impact of Microcredit Program on Poverty Alleviation 4. What the microcredit clients do with the loan money In one of the country’s large formal MFIs, it was found that about sixty eight per cent of the clients used 54% of their total loans for small trades. A few clients used 64% of the loan money for buying homestead and cropland. A small number of clients used 67% of the loans to build new houses. Some spent 15% of the total loan for medical treatment of their relatives and themselves. Some spent 19% of the total loan money for consumption purposes. A few clients used 29% of loan money for sending their relatives abroad for jobs. A smaller number of clients used 18% of their loan for major repairing of their dwelling houses. A handful of clients used 42% of the loan for buying television sets, furniture and gold ornaments, while others used the loan money in buying rickshaws, livestock and lending to others in a modicum scale . In another large non-governmental organisation (NGO)-MFI, it was spotted that fifty per cent of the clients used 95% of the total loan money in trading businesses like vegetables, grocery, fish, and betel leaves, etc. A few clients used 40% of the loan money in repaying occasional borrowed debts. Some clients used 35% in agricultural farming. Some used 37% of the total loan for buying livestock for rearing. A few clients used 41% loan money for redeeming mortgaged cropland. Some clients used 61% of the loan money for sending relatives abroad. Again some used 34% of the loan money for meeting the debts from moneylenders. Some clients used 15% of the total loans in repaying loan installments of other NGOs. Some clients used 17% of the loan for medical treatment. Some used 100% loan for house construction, while others used the loans for buying land, rickshaw vans and consumption purposes. Yet again in another large NGO-MFI in the country, about fifty per cent clients were noticed using 66% of the total loan in running their businesses. Several clients used 43% of the total loan for marriage ceremony of their family members. A few clients used 38% of the loan for house construction and repairing. Some used 32% of the total loans in repaying loans of the local moneylenders. A few clients used 59% of the loan for various litigation purposes. Some clients spent 41% in food consumption. Some clients used 67% loan for weaving purposes. Others used the loans for medical treatment, buying livestock, cropland, taking others land for cultivation and repaying loan installments of other NGOs. In a mid-level MFI operating in the urban areas, cent per cent clients used 86% of the total loan in various types of businesses that include grocery, cattle hide, computer composing, photocopy service, commercial phone service, saree selling, etc. Some clients used 84% of the total loan for house construction. A few clients used 81% of the total loan in buying land in the villages where they hailed from. In a pretty tiny NGO-MFI, some clients were found using 74% of the total loans for buying fishing equipment like nets and boats, etc. Some clients used 46% of the loan for buying livestock. A few used 74% of the loans as business capital. Some kept 52% of the loans as savings in the commercial banks, while others used the loan money for repairing houses and meeting medical costs. 4. 2 Impact of Microcredit The major objective of microcredit (MC) is to create income among poor households and thereby alleviate poverty. In this respect the question can be asked at two levels, first, whether MC leads to an improvement in income and second whether the increase in income is sufficient to lift them above the poverty level. There is also a third aspect related to the second that is whether poverty alleviation takes place on a sustained basis. Though most impact assessment studies examine the impact of MC on income, the analyses concentrated on mainly the first question. It should be mentioned that most studies consider the total impact on growth of income and do not examine whether a redistribution of credit fund has a redistributive impact on poverty and income of households 4. 2. 1 Findings of PKSF ME Study by BIDS Palli Karma-Sahayak Foundation (PKSF) commissioned a longitudinal Monitoring and Evaluation Study (MES) which was conducted by the Bangladesh Institute of Development Studies (BIDS). Started in 1997, the studies were completed in 2001. The study covered 3026 sample households spread over 91 villages located in 13 of PKSF POs operational areas. A census was administered in late 1997, covering 19151 households in 91 villages. The first and the second round surveys under the study were administered in 1998 and 1999 and the third and final round survey was conducted in 2000. Some findings on the impacts of microcredit as presented here are gleaned from the reports and papers prepared by BIDS. The summary of the PKSF-ME Study by BIDS is shown in the Table below- Table: Impacts of Microfinance (compared to non-participants) Broad Category |Indicatiors |Type of Change |Cause of Change | |Economic Impact |Income |+ |Self employment activities | | |Food Security |+ |Greater access to cultivab le land through the | | | | |rental market | | |Wage (land poor) |+ |Transport and other non-agril activities sup. by MC| | |Employment (land poor) |+ |better access to the land rental market | | | | |Wage emoloyment in non-ag. sector | | |Assets (land poor) |+ |av. ow land size than non-participants | | | | |larger operational holding | | | | |impact of MF (poultry livestock, bi-cycles, | | | | |rickshaw/van) | |Social and other |Fertility and contraceptive use |+ |program participation | |development impacts | | |female methods dominate | | |Health and Nutrition |+ |program placement effect | | |Sanitation and drinking water |+ |program participation | | |Literacy and school enrollment |+ |program participation | | |of children | | | | |Social mobility |? |do not vary significantly | | |Women articipation and HH |+ |participation in a MC program | | |welfare | |increasing women’s income | 4. 2. 2 Measuring the Impact of Microfinance Grameen Bank has been tracking the progr ess of its clients in achieving all ten indicators since 1997, and reports that 55 percent of its established members (Grameen annually surveys all clients who have been in the program more than five years) had crossed the poverty line by the end of 2004: [pic] (Source: CIA World Factbook: http://www. cia. gov/cia/publications/factbook/geos/bg. tml) This is an impressive achievement, and exactly the type of information that one might hope any MFI would be tracking. Though it might seem arbitrary to determine that achieving all ten indicators constitutes movement out of poverty, in fact all poverty lines are to some degree arbitrary, and they are meant to quantify whether or not families are meeting basic needs—such as those represented in the Ten Indicators. Knowing that 55 percent of established Grameen clients never go hungry, have access to safe drinking water, and send their children to school is important to Grameen. Table 1: Poverty rates among Grameen Bank members vs. Non-participants, 1984-85 |Grameen members |Target non participants |All households | | | |Grameen |Comparison |Grameen |Comparison | | | |villages |villages |villages |villages | |Moderately poor (percent) |61. 0 |83. 7 |80. 4 |61. 5 |76. 3 | |Extremely poor (percent) |48. 0 |76 |74. 4 |47. 1 |54. 6 | Table 2: Poverty rates among Grameen Bank members vs. Non-participants, 1996-97 |All households | | |Grameen |Comparison | | |villages |villages | |Moderately poor (percent) |18 |57. 5 | |Extremely poor (percent) |15 |54. 5 | Table 1 and 2 suggest that Grameen Bank members are substantially less poor than non-members, and that Grameen Bank’s activities affected the poverty levels of entire villages. The centerpiece of the findings of a survey is that every additional taka lent to a woman adds an additional 0. 18 taka to annual household expenditure—an 18 percent return to income from borrowing. Notably, the returns to male borrowing were considerably lower, only 11 perce nt. The paper and the book reported a variety of â€Å"wider† impacts, including: †¢ A one percent increase in credit to Grameen women increased the probability of girls’ school enrollment by 1. 86 percentage points. †¢ A 10 percent increase in credit provided to women increased the arm circumference of girls by 6 percent. †¢ A one percent increase in credit to women increased the height-for-age of both boys by 1. 42 percent and girls by 1. 16 percent. Microcredit is not merely an instrument for credit extension to the poor borrowers. It is a movement to emancipate the poor to alleviate their poverty, improve their quality of life, and build their capacity and awareness and to integrate them economically and socially into the mainstream of the economy. The benefits of microcredit go beyond the quantifiable ones, there are other benefits, which are not seen, but are evident in the socio-economic transformation of rural Bangladesh. |Chapter | | 5 | Conclusion We have come to the conclusions that there is a noticeable and positive impact of microcredit activities on the living standards, empowerment and poverty alleviation among the poor people in the society. If one can help, a poor person to stand on his own that cannot only bring about a revolution in their lives but also in the society. The dream of a healthy and educated society with no discrimination and biased can be achieved through this simple thought, the dream which seems to be coming true and becoming practical. The simple vision of one man, Muhammad Yunus has taken the shape of the revolution and has shown the ray of hope in the path of life to every human, irrespective of his background or status or position. The hope of a life that no one will sleep hungry, no one will die due to lack of medication, our children can read and write on their own and everyone will be the pillar of the society. Scope for further research The current study did not consider the reasons of motivation to join the microfinance program. Another area that has not been investigated is the difficulties that the borrowers face to repay the loan. These areas deserve to be studied by future researchers in the field. There is also another field, which is neglected in our study that the supply gap of MFIs. Actually, to what extent the MFIs are capable to deliver their service to the poor people. Further research could be conducted in this area and for finding the reasons for the gap between demand and supply in terms of microfinance services. References www. google. com Grameen Bank official website (www. grameen-info. org/) ASA official website (www. asabd. org) BRAC official website (www. brac. net) PROSHIKA official web site (www. proshika. o rg/) Rahman, R. I. , 1994, Impact of Credit for the Rural Poor: An Evaluation of Palli Karma Sahayak Foundation’s Credit Program, Report Nr: 1207, BIDS, Dhaka. (found on the internet) The World Bank, 1996, Staff Appraisal Report, Bangladesh Poverty Alleviation Micro-finance Report 1, South Asia Region. (Found on the internet) Khandker, S. R, 1998, Micro-credit Programmes Evaluation —- A Critical Review, IDS Bulletin of International Development Studies 29 (4), 11-19. (Found on the internet) Measuring the Impact of Micro? nance: Taking Stock of What We Know (December 2005) – by Nathanael Goldberg. (Found on the internet) Impact of Microfinance on Living Standards,Empowerment and Poverty Alleviation of Poor People: A Case Study on Microfinance in the Chittagong District of Bangladesh. -by Mohammad Arifujjaman Khan and Mohammed Anisur Rahaman. How to cite Micro Environment, Essay examples

Thesis master Harold Essay Example

Thesis master Harold Paper * Athol Fugards Master Harold and the Boys is much more than merely an exploration of the concepts of racism and apartheid. Through character action and constructed symbolism it can be seen that this play is also a recreation of the life of Christ. Support: -Three main characters (trinity) -Sam and Hally suffered for other people (due to apartheid) We will write a custom essay sample on Thesis master Harold specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Thesis master Harold specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Thesis master Harold specifically for you FOR ONLY $16.38 $13.9/page Hire Writer -Hally suffered for the sins of his father -Spiting in Sams face symbolic of crucifixion -Sam and Hally becoming friends again at the end is symbolic of rebirth * Athol Fugards Master Harold and the Boys uses dialogue to represent the mechanics of character development. As the Play moves on Willie gets more in depth lines and Sams lines become increasingly longer. * Within Master Harold and the Boys Athol Fugard Implements irony within the title to show how Hally is truly a boy who transitions from boyhood to manhood with the help of his master Sam. Also the capitalization within the title shows irony in how Hally is truly naà ¯Ã‚ ¿Ã‚ ½ve while the boys are in fact his mature guides. * Through Fugards implementation of dialogue and symbolism the true homosexuality of Sam is revealed. * Through the historical allusions and character action it can be deduced that Sam is a recreation of Gandhi. Like Gandhi Sam is peaceful and a pacifist in moments of violence, he like Gandhi uses this to get across his message. * Hallys interaction with all the characters in the play reveal that he suffers from Dissociative identity disorder. Hally shows symptoms of this disorder because his personality changes dramatically after talking to his mom. He shows three different personalities after talking to his mom. * Fugard implements the Dance as a Symbol of a Utopian society. The dance is a representation of Sam: calm and harmonious in a complex world of evil and hatred. The dance is symbolic of Sam a peaceful man. * Within the story there is a background of music from the jukebox. These songs contain upbeat blues and jazz lyrics are used to foreshadow the argument and rebirth of friendship between Hally and Sam. The lyrics also reveal the true nature of their relationship of being more than just pals. * Athol Fugards Master Harold and the Boys has a much bigger focus then just racism and apartheid but it also has a great focus on friendship with struggles. Fugard uses many symbols throughout this play, but by far the most crucial one to the story is the kite. The kite itself is a synopsis of the play and the friendship. * Fugard and Isben both use a situation in society as a catalyst to develop their plot and characters. In Master Harold and the boys apartheid is the catalyst and in A Dolls house womens rights in society is the catalyst. Both of these catalysts are seen due to the diction used by the characters. In Master Harold and the boys there is a greater use of Ebonics which provokes a greater sympathy for the characters in this play then in A Dolls house.