Thesis for Gun Control

COM 220 Gun Control I belive there is a need to increase gun control in an effort to decrease crimes that are related guns. The control of guns has been a controversdial topic as far back as 1813. In today’s society the issues regarding gun control have been controversial. Many strict laws have been passed by the federal government to regulate ownership of guns. In an attempt to regulate gun control many people believe that past familiar high profile political shootings have been as a result of the impactful gun control restrictions.In 2008 there was a battle taking place in The Supreme Court that voted five to four in favor of the American people’s constitutional right to keep a loaded handgun at home for self-defense. The ruling has made anti- gun supporters disagree and angry. Weapons are tools used for a variety of reasons weather it’s for safe guarding material that is highly pilfer able or protection of a family home. Guns are tools that should be treated a nd handled with respect and should not be abused or misused by any means.It is a privilege as well as a right that a person may own a weapon if he or she should decide to do so. I support the right to own and bear fire arms. I understand that if weapons get into the wrong hands tragedies can be a result. I believe that there should be stricter laws for those who have commited felonies, have been a respondent to a restraining order, committed assault, or any other hanous crime. I understand that crime will never cease in this world but that should not be the factor to make an infringement to the Second Amendment.

Food safety Essay

Food safety is a very essential aspect of maintaining healthy and productive relationships between human beings and the entire environment. It is because it plays a basic role in enhancing good health which is vital in influencing sustainable human activities. Fundamentally, human activities influence their relationships and interactions with the environment. It can be acknowledged that maintaining food safety at all levels ensures good health which in turn guarantees healthy relationships between man and his environment. Human activities have various implications on the entire environment. In deed, they affect the economic, social, environmental and political aspects of the environment. Food safety that is fundamental for good health enables man to relate well with all these aspects of his environment. Food safety: Health To begin with good health enables human beings to work hard and be able to provide for their economic needs. According to Last (1998), when both mentally and physically healthy, individuals tend to be more productive. Increased productivity leads to healthy societies as individuals can be able to cater for their needs and wants. This is made possible by individuals earning enough to attain financial stability. Thus they can be able to pay their bills, spare some for recreation and also be able to save for the future. This is made possible if their health is assured through ensuring food safety. Bronfenbrenner (1979) indicates that excellent health also determines good interpersonal relationships and hence enables populations to acquire social cohesion. In this respect, he argues that healthy individuals are unlikely to be social misfits because they are able to think straight and are also conscious of the societal values which they uphold. Also, health enables one to work and earn an honest living as well as provide enough for his or her family. As such, people become more responsible and dedicated to their lives and this enhances one’s self esteem and personal satisfaction. Generally, Last (1998) asserts that healthy people are able to maintain healthy relationships than their counterparts. Again, this healthy status can only be achieved if the they food they consume is handled in a hygienic manner. With regard to the environment, Ebi, et al. (2005) argues that good health enables individuals to cater for their environment. According to him, healthy individuals are usually able to take timely measures to avoid environmental deterioration in their own simple ways. For instance, they can be able to plant trees, dispose of their wastes in a proper way and perform other functions that enhance environmental conservation. These actions may seem simple yet their contribution to environmental conservation is very significant. In addition, since these individuals have financial stability, they can contribute to environmental conservation missions by donating money (Ebi et al. , 2005). Furthermore, healthy individuals are in position to take sound decisions with regard to environmental conservation. The political stability of a country is also dependent on the health of the individuals. To this end, Bronfenbrenner (1979) argues that healthy and active individuals are less likely to engage in politically unsound behavior. It is worth noting that good health throughout a person’s life also implies that the person’s education and thinking process is rational. Therefore, such individuals are able to make informed, autonomous and democratic decisions with regard to politics. This enables a country to have visionary leaders that are politically mature and therefore enforce policies that are beneficial to the locals. This status can be achieved if food safety is maintained all through a person’s life. Indeed, food safety is a very vital component of our day to day living because of the role it plays in maintaining our health. Without this good health, life can be difficult for most individuals because diseases will be prevalent. Despite this realization, food handling in the US continues to be a major problem and the frequency of food poisoning and food borne illness continues to rise significantly (Last, 1998). This implies that the Food and Drug administration has failed in its duty to protect the health of the citizens. This can also be attributed to the money oriented attitude that our society has assumed. For instance, Andrew (2006) indicates that some butchery workers would rather keep their jobs than identify a slip up in the meat processing process. Further, he asserts that the urge to get food on the markets in a timely manner in order to make huge profits has made business persons overlook the minor but most important aspects of food safety. Therefore, there is need for consumers to take up the responsibility of maintaining good health by practicing the following critical steps that are very important in enhancing food safety and improved health. At a personal level, consumers should be extremely wary of sale offers. If the deal seems too good, it is always recommended to think twice. In most instances, business owners place on sale products that are defective (Andrew, 2006). Therefore, instead of making purchases blindly, consumers should spare time to check the packages properly and even identify the odor of the food. If the odor is bad, Loken (1995) ascertains that such food is not suitable for human consumption. In addition, consumers should put in to consideration the packaging of the food. Usually, food can look very appealing yet if not packed well, the probability that it is infected is so high. According to Watson (2001), well packaged food has a higher probability of being germ free. When purchasing fruits and vegetables, consumers should only buy those that are fresh looking (Loken, 1995). They should avoid fruits or vegetables that have spots or look unhealthy as this is a clear indication of infection. Andrew (2006) notes that hepatitis A is spread through poor handling of fruits and vegetables, specifically by washing the same with contaminated water before they reach the market. He suggests that it is important that consumers keep themselves well informed about any outbreaks and take precaution in a timely manner by adjusting their menu accordingly. According to him, it could be safer to avoid any fruits or vegetables involved in the outbreak than endanger one’s health by consuming contaminated food. At home, fruits and vegetables should be washed thoroughly and under running water in order to remove all dirt. In cases where fruit and vegetable washers are used, it is essential to adhere to the directions of the manufacturer in order to avoid any possible contamination. When shopping for dry foods, Watson (2001) argues that consumers should check the packaging material to ensure that it is in order. In particular, he explains that the nylon papers used for packaging as well as boxes should be well inspected to ensure that they do not have holes or openings. This is an indication that food is not contaminated as holes or other openings could serve as entrances of insects and generally germs. In addition, consumers should avoid buying dry foods that are infested by insects like weevils. These transmit diseases that are dangerous to human health. In the case of canned foods, Loken (1995) explains that care should be taken to avoid buying any cans that are defective in any way. Specifically, those with punctures or dents should be avoided at all costs as this is an indication that the food is contaminated. Consuming infected canned food can be very fatal as it may contain botulin toxin (Watson, 2001). This has a severe and fatal impact on human health as it causes paralysis. It is also important to check the cans properly on arrival at home as dents can occur during transportation. In such incidents, Andrew (2006) explains that it is better to discard them as this could be an indication of punctures which imply infection. In the home environment, Andrew (2006) points out that it is advisable to clean all surfaces used in food preparation and the kitchen as a whole after the activity. This should be done with an antibacterial cleaner in order to kill all disease causing micro organisms. In addition, the surfaces should be kept dry as wet surfaces, coupled with a warm kitchen environment provides the best conditions for micro organism breeding (Andrew, 2006). When handling meats, Loken (1995) indicates that it is advisable to freeze any that would not be consumed in a few days time. According to him, this goes a long way in avoiding chances of poisoning. In addition, he explains that before cooking any meats, it is important to inspect them fully after thawing in order to identify any signs of spoiling. Further, when cooking meats, the right temperatures should be used in order to kill any existing infectious micro organisms. Failure to do this could lead to fatal poisoning caused by the existing micro organisms (Loken, 1995). After meals, any remaining food should be frozen rather than left open even if it is meant to be used in the next meal. In many cases, persons prefer to leave the left over food from the previous meals intended to be used in the next meal in an open place. It is assumed that the period between meals is short and therefore possibility of contamination is low. However, Watson (2001) indicates that contamination can still occur within any period. The surfaces used when preparing food before cooking should also be easy to clean appropriately. It is notable that most people prefer wooden boards for chopping food and vegetables. However, these are not hygienic enough as they keep germs between the chips. It can be very difficult to clean them appropriately. Therefore, other options found on the market should be used. In cases where a dish washer is available, it should be utilized for washing utensils. Dishwashers have proved to be very effective in killing germs due to their ability to withstand very hot water. Andrew (2006) affirms that in deed, hot water is the cheapest way of killing germs and consequently, dishes washed in very hot water are likely to be germ free. In instances where one opts to dine in the restaurants, the first thing to do should be to choose a decent place. Then, when inside the restaurant, one should take note of the conduct of the staff when serving food as this often gives an insight on the general hygiene of the restaurant. If this is not satisfactory, Last (1998) explains that it is better to avoid eating in the place than risk infection. Particularly, care should be taken before consuming vegetable and fruit salads as they are the most susceptible to contamination. Restaurants on their part should ensure that any food bought is well tested before it is cooked. This is important as it helps avoid chances of cooking infected food. In addition, hospitals should also take the same precautions. Above all, Watson (2001) argues that Agricultural production in itself should be sustainable to avoid contamination at the farm level. According to him, this can be achieved if the chemicals used are suitable for Agricultural production. Harsh chemicals that are risky for human consumption should be avoided at all costs. This will help avoid the incidences of heavy metals in the vegetables and fruits. Traces of heavy metals in food have been known to cause terminal illnesses like cancer (Watson, 2001). This can be avoided if more healthy Agricultural practices are adopted. Conclusion In conclusion, all these safety measures if put in to consideration can have a positive effect on the healthcare of individuals and the society a large. Specifically, these measures are fundamental in avoiding infection as a result of consuming contaminated food. If infection is completely eliminated from food preparation and processing, then the food eaten will be safe and this has a positive impact on the health of individuals. Eating safe foods significantly reduces the incidences of disease and deaths. Since diseases cause a major setback on people’s health, elimination of the same in the society will aid in creating holistic and productive societies.

My favorite hero Netaji Subhaschandra Bose Essay

Great heroes are honoured in every country. There are many such heroes in every country. People have great liking for this hero or that. In our country many great heroes were born in the past. They were great patriots. They sacrificed their lives for the freedom of their mother land. We may mention, for instance, the name of Rana Pratap. He was a great national hero. He sacrificed everything for the freedom of his State. In the present age also many great heroes were born in India. They sacrificed their lives for their country’s freedom. We remember their names with love and respect. My favourite national hero Among the great heroes of modern India, the name of Netaji Subhaschandra comes uppermost in my mind. I like him best/He is my favourite national hero. His life is a great ideal to us. It inspires every Indian with ardent patriotism. Why he is my favourite national hero Very few Indians can be compared with Netaji Subhas. He was born in a rich and aristocratic Bengalee family in Orissa. He became a member of the Indian Civil Service. That was probably the highest ambition of most of the Indian students during the British rule in India. But Netaji Subhas was not satisfied with this. He did not like the life of luxury and pleasure. He chose the difficult path of serving his motherland. He took the vow of freeing his beloved motherland from the bondage of foreign rule. He resigned his imperial sevice. He did not care for rank and wealth. He joined the movement of the Indian National Congress under Deshbandhu Chittaranjan. He reaped the fruit of his service to the motherland. He struggled hard to free India from the British rule. And for this he had to suffer much all through his life. He was sent to prison. He was externed. Then he was interned in his own home. But no hardship could daunt his spirit. He followed his ideal with wonderful zeal. He did what he thought to be right. In this respect he did not yield even to Gandhiji. Perhaps we cannot mention any other eminent leader who had the courage to oppose Gandhiji. But Netaji did it because he had the courage of conviction. He felt that in certain respects he was right and Gandhiji was wrong and he had the courage to say this. His courage won the admiration of all. He became the President of the Indian National Congress. But he had to resign Presidentship for his fault of opposing Gandhiji. He preferred this. Still he would not sacrifice his firm faith in his policy of fighting for the freedom of his beloved motherland. During the last great War, he left India in disguise and went to Germany and Japan. He hoped to free India with the help of those countries. He had a wonderful power of organization. This had been noticed all through his life. He raised an army and called it the Indian National Army. It is briefly known as LN. A. With this army he fought against the powerful British Government at Imphal in Manipur. But owing to many adverse circumstances, his attempt was not successful. But his noble example inspired all freedom-loving people and particularly the young men of India. This LN. A. and’Jai Hind’ which was their way of greeting, will make his name ever memorable in the history of India. The members of I. N. A. alled him Netaji and since then he has been known as Netaji Subhas. After his failure, he left for Japan in an aeroplane. It is said that he met his death from the crashing of that aeroplane. But many Indians still believe that he is not dead. If he is alive, we do not know where he is now. Conclusion The life of Netaji Subhaschandra is a bright example of wonderful patriotism, indomitable spirit, undaunted courage of conviction, miraculous power of organization and loftiness of character. All these virtues appeal to me most, and hence I regard him as my favourite national hero.

Pearl harbor Essay Example | Topics and Well Written Essays - 1000 words

Pearl harbor - Essay Example This paper briefly explores the Pearl Harbor attack, its background, and Japanese objectives associated with it. Friction between Japan and America had been escalating for several years due to Americas annoyance over Japans brutal war against China. The U.S. provided moral support to China which included: fateful step to cut off sales of oil, scrap metals, and tin to Japanese industry. Japan didnt own her own oil resources, therefore, the leadership sought after lucrative oil fields of the Dutch East Indies in South. In 1940, Nazi Germany occupied Dutch native soil in Europe. They left Dutch colonies in Asia in a relatively segregated and exposed position (Lee). Considering American opposition to war with China, Japanese leader presumed that America would intervene to their attacks on Dutch. U.S military forces stationed in Philippines (located between Japan and Dutch East Indies) and based out of Pearl Harbor posed a huge threat. Therefore, Japan initiated her Pacific War with a "knockout blow" at Pearl Harbor, with subsequent attacks planned for U.S. forces in Philippines and anywhere else. Japan held similar fears from Britain; therefore, they attacked British forces in Hong Kong, Malaya, and Singapore (Lee). Japans major objective was to cripple American Navy base in order to keep them from intervening Japanese invasion of the Dutch East Indies (Lee). They wanted to neutralize American power in Pacific Basin for at least six months (Burbeck 1).Another objective was to get time for Japan to strengthen its position and enhance its navy before losing their chances of victory. Moreover, Japan wanted to blow American morale. In order to maximize the effect, Japan targeted most prestigious battleships of U.S. Navy. Overall objective was to occupy Southeast Asia with any interference (Willmott 14). In order to achieve their goals, Japanese military crafted a detailed plan in which they took advantage of the information

Personal Finance Essay Example | Topics and Well Written Essays - 500 words

Personal Finance - Essay Example Lastly, the article concludes by not letting our emotions rule our financial decisions. As he puts it, â€Å"We commit those (financial) mistakes for several reasons: ignorance, fear, ego, a desire for immediate gratification.† This article is very crucial in fully understanding the rationale of studying personal finance. Throughout the course of an individual’s life, his decisions, no matter how big or small irrefutably affect his financial status. Being able to know the most common mistakes that he cannot afford to make provides him a guideline on how to maximize his financial resources. Since most of us spend money based on our emotions, it is also important to recognize that financial decisions should always be rational rather than emotionally. Lastly, the article makes a good point in stressing the importance of sacrificing current consumption for future financial benefits. Bertolucci’s Protecting Your PC Needen’t Cost a Bundle is an eye opener by providing practical guidelines on ensuring that each PC is safe from spyware, viruses, and other malware. According to the article, PC protection does not necessarily become a financial burden by investing on a whole software suite. PCs running on Windows and Vista typically require only three lines of defense: a firewall; an antispyware; and antivirus software. A homeowner with only one computer can download a two-way firewall at www.zonealarm.com while free spyware is distributed Windows Defender. Antivirus software is not free but cheap alternatives are Symantec Norton Antivirus which costs $40 or Norton Internet Security which can be purchased for $70. This article is very helpful considering that most of complicacies of data processing are made efficient by PCs. However, a typical consumer often lacks the knowledge of identifying what he really needs to protect his PC and ends up buying software suite which is very costly. It is irrefutable that investing on these high-priced

Discourse analysis Essay Example | Topics and Well Written Essays - 2500 words

Discourse analysis - Essay Example The essay concentrates on scout since she is a key character as well as portraying the author when she was young as well as when she grew up and came to understand the various things that were different for her to understand when she was young. Prejudice is defined as an opinion on an individual that is usually based solely on religion or race before even all the facts are known (Johnson 1994). This essay will seek to explain the various instances of prejudice that are shown in the book especially those that touch on Tom Robinson, Boo Radley and Atticus Finch since they are the key characters in the book. I will also have a look at aunt Alexandria and her role in the book. She was introduced in the story as a defender of the tried and tested status quo in the southern society that the book was set in. The novel I used to work on this essay has no published Coda. The discourse analysis is on Lee Harper’s To Kill a Mockingbird hence this will be the principle form of literature in this narrative. The other books played a mostly supplementary role to this book. I also intend to make use of Understanding to Kill a Mockingbird: A Student Casebook to Issues, Sources, and Historic Documents. This will be of help to me since it pinpoints the main issues in the novel such as racism and prejudice which are the main topics of the narrative. This makes it much easier to understand and critique where necessary as I read along. Zakrzweski Janelle’s Reading Race: Exploring Racial Themes in to Kill a Mockingbird will also be particularly useful since race is the most critical issue in this book as it was written in the thick of the civil rights movement in the south. The book resonated with the prevailing mood in the society. The study of identity plays a significant role in modern sociological thought. I had to come up with the various ident ities in the narrative and this was helped by going through Karen Cerulo’s essay titled Identity Construction: New

Impearialism, colonialism. and globalization on how they affect the Essay

Impearialism, colonialism. and globalization on how they affect the middle east - Essay Example On the other hand, the democratization system has become a problem due to the influence of globalization. This is due to the clash of interest between the western industrialized nations and the state aboriginal affair (Alkadry 739). In the recent occurrences, most of the developed and decolonized have been caught up in the matrix of struggle for liberation and self-determination. Likewise, the countries of Middle East are furthering democracy and at the same time struggling to get self-determination in a postcolonial globalization context (Alkadry 739). Most of the countries in Middle East achieved their independence half a century ago. However, no single country in the region has a full-fledged democratic government. This is also evident in the wave of revolutions currently taking place in the region. Only few countries in the region that have made stride towards installing democratic institutions. These countries include Lebanon, Turkey, and Kuwait (Alkadry 740). The issue of self- determination is guided by two principles. They include national independence and freedom. In the Middle East, this has not been possible due to the threat of imperialism. This makes it difficult for the nations to move from a moment of national sovereignty and anti-social resistance to a moment of freedom and democratic governance (Alkadry 740). ... Algeria is one of the countries where imperialism was evident during the colonial period. It congest began in 1830. This occurred after French deployed powerful army in the region. The heavy military presence led to death of many Algerians. This helped France to acquire land in Algeria. This was followed by massive migration on settlers into Algeria to farm in the Algeria coastal plains (Women in World History 1). Most of the Algerians were employed in these farms as laborers. Moreover, France exercised control of public finances such as public works, education, and armed forces and security (Women in World History 1). However, there was armed resistance to the French rule based on tribes. The French armies in harsh means effectively subdued the rebellion. On the other hand, the colonial power was given voting power to elect representatives to the French legislature. Consequently, the colonial power possessed immense power and this helped in gaining enormous wealth. Additionally, mos t of the properties owned by the locals were confiscated both communal and private. In the year that followed, France exercised political, economic, and social dominance over Algeria and its inhabitants (Women in World History 1). This shows that imperialism helped France to develop their own ambitions and influenced wider developments. Imperialism affected countries in different ways. Imperialism helped in reviving the transport sector. This occurred as the colonizing country built roads and railways. This was meant to enhance easy movement for acquisition of raw materials. Moreover, there is an introduction of new technology, education, and improved health care (Hodgepodge 1). On the other hand, imperialism leads to negative effects. First, there was a lack of

Industrial Networks Essay Example | Topics and Well Written Essays - 3000 words

Industrial Networks - Essay Example After an in-depth perusal of this book it is possible to glean that it covers a wide array of subject matter with its multiple authorship and pertains to a discussion of the common model of the industrial networks philosophy with the role of its main protagonists in the form of business individuals and organisations who have to continuously interact with each other with in the corporate environment and this very interaction would then constitute a framework for understanding the continuum of this interaction and the relevant exchange processes.The question which is explored as a theme through out this book is whether the certainty arising from the growth of long term relationships means that the actors will get will reduce transaction risks in business relationships as well as the investment risks arising from informal distribution. The basic aim of the stren... The basic aim of the strengthening of these relationships, as can be understood from the pith and substance of this book is realise the prospects of the ability of exploiting business sources which are closely linked to each other in terms of Functional interdependence,power and knowledge structures and intemporal dependence.Functional interdependence with in the terminology of this text exists due to the heterogeneity of the consumer base which would then require an equally heterogeneous supply from resources, and the protagonists of the business world.Furthermore in the context of the power structure it may be stated that the power structure is the degree of control and resources in the hands of the various actors and may or may not always be equally distributed and this will have a major impact upon the over all overall structure and decisions taken with in the network.Thirdly we have the impact of the knowledge structure which is described by the authors as amounting to the depen dence upon the limited knowledge and resources available to the actors.Last there is intemporal dependence with this so called industrial network which pertains to a large number of investments in business networking,PR and the infrastructure and since this book talks about network change there is a chance that we are looking at something which aids a smoother transition and more grounded in past industrial practice. The industrial network theory Basically when we are looking at the industrial network theory it can be seen that there is indeed a trilogy of the interaction, relationship and network research with in the industrial interaction in Business to Business dealings and it can be said that while this book is almost two decades old to the context of modern business

Financial health of HKM Essay Example | Topics and Well Written Essays - 1000 words

Financial health of HKM - Essay Example We see that HKM is doing a profitable business and the profits can sustain growth and expansion. The balance sheet allows a comparison of the assets the company owns and the liabilities. HKM has total assets amounting to 14278. Comparing this with the liabilities it reveals that HKM is not overburdened in any way by debts. Some ratios can help here. Liquidity is defined as a business' ability to meet its financial obligations2. It shows whether it is able to pay its short term bills (liquidity) and also projects whether its going to be able to service its long term debts when they become due (solvency). Two of the applicable ratios to calculate for HKM are: Going by the above analysis, HKM is doing rather well for a two-year old company. The company has recorded an impressive net profit, it is very liquid and the asset turnover ratio confirms that the company is very efficiently utilizing its assets. For more on ratio analysis see Lynch foulks (2001). The next tool of determining the condition of a business is the break-even analysis. According to some authors it is the volume of unit sales that must be made to at least recover the cost of sales3. For HKM Break-even is calculated as below Break-even analysis helps the management of a business to know the volume of sales that is needed to start making a profit4. ... Current ratio. It is a measure of a company's stability and efficiency. It is calculated as Current assets/current liabilities. = 3278: 1 372 = 8.81: 1 This is saying that HKM is able to pay its short-term obligations 8 times over and that's good news. Net working capital ratio. Net working capital is Current assets - current liabilities Net working capital ratio = Net working capital Total assets = 2966 = 0.21 14278 Return on assets. This ratio tells you the asset intensity of a company and is calculated as; Net income/Total assets = 17966:1 14278 = 1.258:1 1. Activity analysis ratio: Assets turnover ratio. Determines the total sales for every asset. The ratio tells you how efficiently a company utilizes its assets. = Sales Total assets = 87824:1 14278 = 6.15:1 Going by the above analysis, HKM is doing rather well for a two-year old company. The company has recorded an impressive net profit, it is very liquid and the asset turnover ratio confirms that the company is very efficiently utilizing its assets. For more on ratio analysis see Lynch foulks (2001). Chapter 2. Break-Even Analysis The next tool of determining the condition of a business is the break-even analysis. According to some authors it is the volume of unit sales that must be made to at least recover the cost of sales3. For HKM Break-even is calculated as below Contribution per item = 87824-56676-3954.6 500 = 54.39 Break-even point = 9227.4 169.66 54.39 Margin of safety = 500-170 * 100 500 = 66% 2.1 Benefits of the break-even analysis. Break-even analysis helps the management of a business to know the volume of sales that is needed to start making a

Generalized anxiety disorder Essay Example | Topics and Well Written Essays - 750 words

Generalized anxiety disorder - Essay Example Prior to the conclusion, the researcher will provide some recommendations on how a person could avoid experiencing GAD. A generalized anxiety disorder is normally characterized with chronic anxiety or exaggerated worry or tension. (Haines, 2005) In the process, people who are going through GAD are normally restless, easily fatigue and irritable. (Medscape Medical News, 2003) In fact, most of these patients often expect serious problems to happen with regards to their health, money, family life including their work or school activities and performance. The problem with GAD is that patients are unable to control the degree of their worrying. In most cases, extreme worrying, fear and anxiety significantly affect the normal functioning of their everyday life. months. (Robins and Regier, 1991) Several studies also reveal that GAD can be triggered by a person’s genes (Kendler et al., 1992) or the abnormal level of neurotransmitters in the brain. (Stephens, 2005) Environmental factors such as the death of a loved one, divorce cases, losing or changing jobs or schools and any other traumatic and stressful situations like physical, mental or emotional abuse could trigger the presence of GAD. People who are suspected to experience GAD are normally diagnosed through questioning of their medical history combined with physical examination. (Haines, 2005) Basically, there is not laboratory test that could diagnose GAD. Instead, physicians normally base their diagnosis by looking for any signs of physical illness and the causes, duration, and seriousness of these symptoms. Among the common symtoms of GAD includes stiff muscle, inability to relax, irritability, insomia and other physical symtoms like fatigue, trembling, muscle tension, headache and irritability. (Stephens, 2005) GAD is commonly treated either through proper medication particularly the benzodiazepines or tranquilizers such as Valium, Ativan, Librium and Xanax. Other pharmacological drugs

Value of Real Estate Loans Issued By Commercial Banks Essay

Value of Real Estate Loans Issued By Commercial Banks - Essay Example The onset of the new millennium brought many developments for the banking sector globally. As such, the increased knowledge about mortgages and advanced exposure to access of finances meant that commercial banking business was as competitive as it was enjoying demand. In the year 2005, the United States economy was experiencing increased interests in housing and property development. Besides, the commercial banks increased their lending incentives in a bid to acquire the largest customer base of the growing credit demand.   In the first quarter of 2005, the real estate loans for residential, commercial and farmland were 1.43%, 1.12%, and 1.70% respectively (Federalreserve.gov, 2015). The low-interest rates in comparison to those of the fourth quarter of 2004 acted as incentives for consumers who wanted to capitalize on the credit availability opportunity provided for by the low-interest rates. As depicted in Figure 1 below, the rates of exposure to loans for both Commercial Real Es tate (CRE) and Construction and Land Development (CLD) was gradually increasing, thereby approaching the peak in 2005.The loan incentives put in place by commercial banks encouraged borrowing for risky mortgages, which threatened to go up, as is always the case of property appreciation for assets in high demand. The first quarter of 2006 indicated the beginning of the gradual discrepancies in the interest rates, as the real estate loans for residential, commercial and farmland settled at 1.60%, 1.02%, and 1.53%.

Professional Ethics Essay Example for Free

Professional Ethics Essay Lady Justice is the symbol of justice, where show the symbol of the justice: a sword symbolising the court’s coercive power, the scale representing an objective standard by which competing claims are weighed and the blindfold indicating that justice should be meted out objectively, without fear or favour, regardless of power, money, and wealth. Law is a system of rules and guidelines which are enforced through social institution to govern behaviour laws are made by governments, specifically by their legislatures. The formation of laws themselves may be influenced by a constitutions (written or unwritten) and the rights encoded therein. The law shapes politics, economics and society in countless ways and serves as a social mediator of relation between people. Furthermore, law as the body of official rules and regulation, generally found in constitutions, legislation , judicial opinion, and the like, that used to govern a society and to control the behaviour of its members, so law is a formal mechanism of social control. Legal system is particular ways of establishing and maintaining social order. According to John Austin (English jurist born 1790) law is a â€Å"rule laid down for the guidance of an intelligent being by an intelligent being having power over him.† Professor Hart (Oxford professor of jurisprudence, born 1907) defined â€Å"law as a system of rules, union of primary and secondary rules.† Glanville Williams’ learning the law† define law is the cement of society and also an essential medium of change. Knowledge of law increases ones understanding of public affairs. Its study promotes accuracy of expression, facility in argument and skill in interpreting the written word as well as some understanding of social values†. In law, there are four processes in law formation. There are individual process, group process, social process and political process. Individual process means the set of norms beliefs and values which collectively forms his on her moral standards. Group process which means the surrounding environment of a situation plays a significant role in the norm, beliefs and values of an individual through exposure to these contexts * Cultural or religious * Social or political * economics or technological In group process, where a individual choices of norms, beliefs and values are made, ensures that all of the mentioned factors able to interact among one and another. As we can see in figure 1., where technological changes in communication bring political change in governance . the political changes make economic changes in spending and taxation patterns, which finally change cultural changes in personal lifestyle. Cultural changes Economic changes Political changes Technological changes In social process, all individuals in society do not have the same exposures to economic, technological, social, political, cultural and religious factors. There are some exposures come from: * Individual position  * Family units * Peer groups * Formal organisation The changing of norms, beliefs and values of individuals within society very clear, although delay impact upon the law. Actually, the social process involves an accumulation of power. In addition, people who have similar norms, beliefs and values easily form a group. It is natural join. Furthermore, in political process the norms, beliefs and values held by organisations, groups and individuals established into law can be seen as means of resolving conflict. Organisations, groups and individuals also have different opinions on norms should be done now and beliefs should be accomplished in the future. The different views have to be common to consistent and universal rules to be effective. According to OUMH 3203 professional ethics, â€Å"there are alternative on the ways in which this is done†,  * Presidential leadership * Institutional compromise * Congressional bargaining * Constituent pressure Selected representative are formally assigned the responsibility of the formulation of law in are representative system†. So, there are four process involves in formation of law Individual process is a set of norms, beliefs and values where forms his or her moral standards. Norms is behaviour where individual expects to everyone act when faced with a given situation. For a example baby dumping is a social crisis and has a chronic increase as many cases are occurring in Malaysian society. The baby dumping refers to discarding or leaving alone, for an extended period of time, a child younger than 12 months of age in a public or private setting with the intent to dispose of the child. Based on Bukit Aman Police Headquarters statistics found a total of 580 babies were found dumped between years 2000 to 2006. This number of cases increase every year where as much as 65 baby dumping cases has increased to 83 cases in the year 2006. In the first 5 months, almost everyday there are reports on dumped baby cases. You read it on the front page of the newspaper or see it on the nightly newsa newborn baby found in a back alley. This scenario had been more serious from day to day although there are a lot about this in the mass media. Child dumping is the practice of dumping offspring outside of legal adoption. The dumped child is called a foundling or throwaway. According to a reliable statistics, one baby is dumped every week. A figure that has trebled in the past decades, causes include many social and cultural factors as well as mental illness. Why an individual or teenagers due to unethical to baby dumping? * Family influence Let them to make such a problem in their life. Family break-ups happen after a long period of misunderstandings, fighting and unhappiness. Sometimes they happen suddenly and it is hard to understand why there needs to be change at all. Children are mostly affected by this kind of situation. If both their mother and father decided to a divorce and one cannot raise their child alone, tendency is that they will dump their child. This child will become homeless and found him alone. * Peer influence When children enter school, they influenced by peers with whom they interact every day. For example, if child friends engage with boyfriend or with stranger, the teenager too, may decide to do the same. * Life experience Some important events, where positive or negative, shape people’s lives and influence their ethical beliefs and behavior. For example, when a person have sexuality in teenage and does not get caught, make them to continue to have sexuality until end of their life span. Throughout this case, the norms of this case are to prevent baby dumping it’s necessary to educate individuals about sexuality. We support age-appropriate comprehensive sexuality education, and recommends that schools and communities provide comprehensive sexuality education to all youth and families. Maybe this prevention help teenage to avoid them such a situation Furthermore, Individuals experiencing unwanted pregnancies must receive support and services. Communities should examine their capacity to provide the range of supports and services needed by individuals experiencing unwanted pregnancies. These services must also be publicized; people cannot use services that they do not know about. Finally, education efforts should strive to increase communication among youth, families, and communities. Increased communication may minimize the shame and secrecy associated with an unwanted pregnancy and make young people more likely to take advantage of supports and services in their families and communities.

Performance Enhancing Drugs and the Banned Substances List

Performance Enhancing Drugs and the Banned Substances List Evaluate the suggestion that performance-enhancing drugs should be removed from the IOCs banned substances list Performance-enhancing drugs refer to substances that are used to improve any form of activity: ranging from physical to psychological performance in humans. The use of these drugs have continued to evolve and has been facilitated by advances in doping strategies despite improved drug testing detection methods and advances in scientific research. Athletes use these drugs to improve appearance and to enhance performance in sports (Wiefferink, 2014). The decision to use performance-enhancing drugs is underlain by a number of beliefs and values. Some of these include gaining muscular strength and improving performance. Others involve expectations about friends use of these drugs. Research also indicate that the use of these drugs is related to self-esteem, academic performance, use of other drugs, knowledge of other people who have used them, dissatisfaction with ones own appearance and frequency of gym visits (Wiefferink, 2014). It is important to note that, sportsmen are celebrities who are admired by many people. As such, every thing that they do is admired by many people. Thus, when they use drugs and eventualy excell in their sporting life, they motivate most youths into doing the same. Without minding about the dangers of substance abuse, most youths have been influenced by sportmen into drug abuse. Among notable athletes who have been poven to be using performance-enhancing drugs include Alex Rodriguez (A-Rod) who was given a 211 game suspension that lasted for the rest of 2013 season and the entire 2014 season for using performance enhancement drugs (Claudia Shane, 2014). Such as a suspension should be a lesson to both upcoming and professional sportsmen of how performance enhancing drugs can kill ones profession. Moreover, these drugs kill the reputation of the individual as most people do not give credit to his performance but instead blame and give credit to the drugs that he used. It is because of the facts above that many sports organizations such as international Olympic committee have come to ban the use of performance-enhancing drugs. They have put in place very strict consequences for people caught using them. To make this effective, the body has a list of banned substances (James, 2011). Interestingly, performance-enhancing drugs (PEDs) are not restricted to illegal drugs or prescription medications, such as anabolic steroids. However, they include dietary supplements and a variety of compounds that are available at grocery and health food stores and online and are used to enhance performance among athletes. Performance-enhancing drugs such as Anabolic Agents that includes Testosterone have a number of effects to the user. This drug is primarily used to treat delayed puberty, some types of impotence, and wasting of the body caused by HIV infection or other muscle-wasting diseases (Claudia Shane, 2014). This drug has however been used by athletes to enhance their performance. The potential physiological and psychological side effects of anabolic steroid abuse are as follows: First, this drugs leads to acne which refers to a long-term skin disease that occurs when hair follicles are clogged with dead skin cells and oil from the skin (Wiefferink, 2014). The drug can also lead to male pattern baldness and liver damage. Other physical effects include premature closure of the growth centers of long bones especially among the adolescents. This may result in stunted growth and disruption of puberty in children. On the other hand, the psychological effects of using anabolic agents include increased aggressiveness and sexual appetite. This may at times result in abnormal sexual and criminal behavior (Jason, 2008). Withdrawal from anabolic steroid use can also lead to depression, and in some severe cases, suicide. Another category of performance-enhancing drug is Peptide Hormones, Growth Factors, and other Related Substances. These compounds are primary medically used to treat cancer. They are also used to aide growth in those born prematurely (Wiefferink, 2014). The presence of an abnormal concentration of a hormone, its metabolites, relevant ratios or markers in ones sample is deemed to contain a prohibited substance unless one can demonstrate the concentration was due to a physiological or pathological condition (Jason, 2008). The effects of these drugs are as follows: The use of peptide hormones, growth factors and other related substance can result into hypertension, blood cancers/leukemia and anemia. It may also lead strokes, heart attacks and pulmonary embolism. The drug can also lead to feminization which refers to the development in an organism of physical characteristics that are usually unique to the female of the species (Wiefferink, 2014). Other physical problem includes thyroid problems. On the other hand, human growth hormone when used as a performance-enhancing drug can lead to: Severe headaches, Loss of vision and acromegaly which refers to protruding or enlarged jaw, brow, skull, hands and feet. Other conditions include high blood pressure and heart failure (Claudia Shane, 2014). It may also lead to diabetes and tumors. In some cases, this drug can lead to crippling arthritis. There is also the Beta-2 agonist that is primarily medically used to treat conditions such as asthma and other respiratory ailments (Wiefferink, 2014). The physiological effects of this drug include palpitations, headaches and sweating. Other effects include nausea and muscle cramps. It may also lead to nervousness. Diuretics are another category of performance enhancing drug. It is used in the treatment of conditions such as hypertension, kidney disease and congestive heart failure (James, 2011). However, when it is taken without medical supervision, it results in potassium depletion and possibly even death. The physiological effects of this drug include; dehydration, muscle cramps and dizziness which may lead to fainting. Other effects include drop in blood pressure and loss of coordination and balance. In the list of IOC banned drugs also include stimulants. The primary medical use of stimulant is to treat conditions such as Attention Deficit Disorders (ADD/ADHD), asthma, narcolepsy, and obesity. However, the effects of this drug include; insomnia, anxiety and weight loss (Wiefferink, 2014). Stimulants may also lead to dependence and addiction, dehydration, tremors and increased heart rate and blood pressure. Other effects include increased risk of stroke, heart attack, and cardiac arrhythmia. Narcotics have also been banned by IOC. When taken in small quantity, narcotics have medical uses that include relieving severe pain and inducing sleep. However, when they are taken in large quantity, it is a medical emergency and can lead to respiratory depression and even death. The effects of narcotics include: a false sense of invincibility, nausea and vomiting and increased pain threshold. The drug may also lead to failure to recognize injury and decreased heart rate (Jason, 2008). Other effects include physical and psychological dependence that leads to addiction. The use of performance enhancing drugs also has a lot of negatives on an individuals social life. First, with regards to ones family life, there is the possibility that the rest of the family may feel embarrassed or ashamed at ones addiction to substance enhancing drugs. The family is always bothered about the fate of the victim (Claudia Shane, 2014). This may lead to rejection, stigmatization and even sense of guilt. Those who use drugs may at times feel that their family has pushed them out. Performance enhancing drugs may also significantly affect ones education. A child or a young person who is suffering from an addiction will have a lot of problem with his school life, relationships with other children and their home life (Claudia Shane, 2014). This may lead to truancy. Performance-enhancing drugs may also interfere with ones employment or professional life. Most people who use performance-enhancing drugs may not productive at work. As such, they may stop being punctual and efficient at work. Similarly, they may neglect their appearance and personal hygiene. They may also display erratic or unacceptable levels of behavior that may highly impact on the reputation of the organization that they are working (Wiefferink, 2014). Athletes on the other hand may boycott physical exercises and this may interfere with their performance. In some severe cases, drug addicts may start being absent for no good reason. They may also fail to complete their duties. In most instances when they are financially down, they may resort to stealing from not only the company but also their individuals so as to get money to purchase the drugs. Performance-enhancing drugs may also affect an individuals health and wellbeing. Performance enhancing substances such as alcohol and caffeine which is fine on an occasional basis or in moderate amounts are normally harmful when consumed to the point when one becomes addicted (Jason, 2008). Cigarette smoking may heavily impact on the life of the user because it affects ones respiratory system. Addiction to drugs affects the victims personality and behavior in a variety of ways. However, this very much depends upon the type of substance used and the amount; their psychological makeup before the addiction and physical health and their lifestyle. Thus, some performance-enhancing substances have a greater effect than others upon mental health (James, 2011). For example, heroin is stronger than nicotine. It will therefore have a bigger impact upon the brain. It is also worth pointing out that, most people are different in regard to psychological makeup. This implies that people are affected differently by these drugs. Thus, one person may experience a greater level of damage than another person using the same substance. This is due to their brain chemistry. Finally, the cost of performance-enhancing drug not only affects the sufferer but can also encompass family, friends and the society as a whole. Such costs include costs of policing, drug addiction help lines, support groups and rehab clinics. Indirectly there is lost revenue in the form of tax and national insurance contributions each time an addict either loses their job or is unable to work. This means a drop in revenue collection and an increase in welfare benefits, e.g. unemployment benefit. In conclusion, performance-enhancing drugs have adverse effects on the lives of the users. As this paper observes, the effects of these drugs are not only felt by the user but by the immediate family members, friends, workmates and the society as a whole. Therefore, no substance-enhancing drug should be removed from the IOCs list of banned drugs. Instead, more research should be done on how to counter the use of these drugs. There is also need for sensitization among sportsmen on the dangers of these drugs. References Claudia, L. R., Shane, C. (2014). Drug abuse in athletes. Retrieved 2 14, 2017, from US National Library of Medicine: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4140700/ James, H. (2011). The Ripple Effect of Doping in Sports. Retrieved 2 14, 2017, from The Huffington Post: http://www.huffingtonpost.com/james-h-hibbard/the-ripple-effect-of-dopi_b_693078.html Jason, M. (2008). Performance enhancing drugs in sports: The dark side of performance psychology. Retrieved 2 14, 2017, from Australian Psychology Society : https://www.psychology.org.au/inpsych/ped/ Wiefferink, C. (2014). Social psychological determinants of the use of performance-enhancing drugs by gym users. Retrieved 2 14, 2017, from Oxford Academic: https://academic.oup.com/her/article/23/1/70/835589/Social-psychological-determinants-of-the-use-of

Analysis of Microfinance Lending and Credit Assessment Methodology

Analysis of Microfinance Lending and Credit Assessment Methodology Microfinance Institutions (MFIs) core activities are driven by a social mission through provision of full range of banking needs to poor people for productive purposes, thereby contributing to the developmentl objective of poverty reduction. MFIs products and services includes micro-credit, micro-savings, micro-insurance and also remittances. Microcredit program is providing financial capital to the poor household in order to engage them in income generating activities for alleviating poverty mostly to finance small businesses agricultural loans. Typically this type of lending is not secured by any collateral but granted based on the clients ability to generate the necessary financial means for repayment based on his or her business activities. Most of the terms and conditions for microcredit loans are flexible and easy to understand. However, there is no standard lending and credit assessment methodology employed by MFIs. We are motivated to explore and document this research gap. 1.2 The Innovation and Development of Microfinance Industry in Malaysia The provision of microcredit is nothing new in Malaysia. Poverty eradication programs involve provision of credit at subsidised rate to the poor has been around since 1970s after formation of the New Economic Policy (NEP) that was instituted in 1970. The earlier micro credit program was mainly carried out by credit unions, co-operatives, specialised credit institutions and NGOs. The provision of small financing designated mostly to finance micro enterprises, agriculture sector for poverty reduction and to improve income of the Bumiputera. The legislation for microfinance regulation in Malaysia includes, Moneylender Act 2002, Banking and Financial Institution Act 1989, Development Financial Institution Act 2002, and Cooperatives Societies Act 1993, (Zakiah, 2004). The Microfinance business models are based on mass market, cooperatives, monoline and distributor network (BNM, 2010). Majlis Amamah Rakyat (MARA), a council of trust to the Bumiputera and Credit Guarantee Corporation (CGC) are some of the pioneers to introduce micro credit to micro enterprises. The rural credit institutions comprising of Agriculture Bank of Malaysia (Agrobank), Farmers Organization Authority (LLP), Federal Land Development Authority (FELDA), Rubber Industry Smallholders Development Authority (RISDA) and other agro-based Co-operative Societies provide micro credit for the agriculture sectors. There are also a number of non-governmental organizations (NGOs) that engage in micro credit provision (Kasim and Jayasooria, 1993). These include Amanah Ikhtiar Malaysia (AIM), Yayasan Usaha Maju (YUM) and Sabah Credit Corporation (SCC) in Sabah, Koperasi Kredit Rakyat (KKR) in Selangor. Tabung Ekonomi Kumpulan Usaha Niaga (TEKUN) is a government agency micro credit provider. While, Malaysian Islamic Economic Development Foundation (YaPEIM), a cooperatives institution providing Islamic microcre dit program based on al-rahnu concept in Malaysia. Prior to 2003, Commercial banks involvement in microfinance program are just limited to extending lines of credit to AIM, and as a mediator for schemes such as the loan fund for hawkers and petty traders operated by the Credit Guarantee Corporation (CGC). In May 2003, the government launched a Micro Credit Scheme, particularly stimulating agricultural production activities as well as expanding small and medium enterprise activities. Two banking institutions namely Agrobank and Bank Simpanan Nasional (BSN), and AIM have been given the responsibility to carry out the scheme. The scheme is collateral free, and borrowers are eligible for a maximum loan of up to RM20,000 with interest rates charged at 4% per annum on reducing balance. The government acknowledged that development of the microfinance industry is crucial in promoting greater financial inclusion, given that almost 80 percent of the SMEs in Malaysia are micro enterprises (BNM, 2006). Thus, in August 2006, the National SME Development Council (NSDC) approved a comprehensive microfinance institutional framework proposed by BNM, comprising banking institutions, Development Finance Institutions (DFIs) and credit cooperatives to develop a sustainable microfinance industry. This commercially-driven microfinance industry will complement the existing Government-sponsored microfinance programmes. This is important to ensure that micro enterprises have adequate and continuous access to financing. Following this initiative, 10 local banks are now offering microfinance products providing a channel for micro enterprises to obtain financing from the formal financial systems. BSN was mandated to provide microfinance, while Bank Rakyat would provide microfinance to members of cooperatives and Agrobank would continue to provide microfinance to micro enterprises in the agriculture and agro-based sector. Banking institutions with their extensive nationwide network of branches would ensure wider outreach of microfinance. In addition, BNM proposed the establishment of the Malaysia Cooperative Societies Commission to strengthen the role of credit cooperatives in providing credit to micro enterprises. The new comprehensive microfinance indusry framework in Malaysia is as isllustrated in Table 1 below. Table 1: The Microfinance Institutions (MFIs) in Malaysia Non-Bank MFIs Bank MFIs Amanah Ikhtiar Malaysia (AIM) Yayasan Usaha Maju (YUM) Koperasi Kredit Rakyat (KKR) Kooperasi Kredit Pekerja (KKP) Partners in Enterprise Malaysia (PiEM) Tabung Ekonomi Kumpulan Usaha Niaga (TEKUN) Council of Trust to Bumiputera (MARA) Malaysian Building Society Berhad (MBSB) Sabah Credit Corporation (SCC) Agrobank Bhd (AgroBank) Bank Kerjasama Rakyat Bhd (Bank Rakyat) Bank Simpanan Nasional (BSN) Alliance Bank Bhd (Alliance Bank) AMBank Bhd (AM Bank) CIMB Bank Bhd (CIMB) EONCAP Islamic Bank Bhd (EON Bank) Public Bank Bhd (PBB) United Overseas Bank Bhd (UOB) Credit Guarantee Corporation Bhd (CGC) Source: adapted from Jasman et. al., (2010) These financial institutions have adopted different business models and strategies that leverage on the institutional strengths and niches to supports the credit needs of micro enterprises. A number of financial institutions have adopted a mass market model whereby the financial institution provides micro credit products through its existing branch network. Others, like Bank Rakyat, have adopted a cooperative model which provides microfi nance to its members. Some have employed the distributor network model, which leverages on the distributive capabilities of strategic business partners. Another is the monoline model with a dedicated microfinance operation, formed with its own distinct branding and processes designed to uniquely appeal to micro enterprises. Table 2 : Comparative Analysis of Non-Bank Microcredit Programs in Malaysia Category Non-Government Organization (NGOs) Government Agency Coopeatives Institution AIM YUM TEKUN MARA SCC YaPEIM Target Group Low income community Bumiputra micro entrepreneurs Bumiputra mincro entrepreneurs Agroculture based entrepreneurs Pretty traders Gold financing Programe Name Ikhtiar Microcredit General 1 2 and Group Fund Loan Tekun Microcredit Business Financing Community Loan Scheme Al-Rahnu Micro Credit Age Limit 18 years above Women 18 to 55 years 18 60 years 21 60 years Loan Amount Min : Nil Max : RM20,000 Min : RM100 Max : RM20,000 Min : Nil Max : RM50,000 Min : 1,000 Max : RM10,000 Min : 1,000 Max : RM10,000 Up to RM25,000 Loan Period 6 months to 3 years 6 months to 5 years 6 months to 5 years Up to 4 years Up to 3 years Processing Period 21 days N/a 35 days 11 days N/a Repayment Period Weekly Daily, Monthly Monthly Monthly Monthly Monthly Interest Rate / Charge 10%p.a 4% 11%p.a 5% 6%p.a 1.25%p.m 10%p.a 0.1% 0.75% Program Supports Insurance Business Training Business Training, Compulsory Deposits Business training Compulsory savings Advisory Business Matching loan scheme for group of 5 or 6 individuals. Source : UNDP(2008), and Respective Institutions websites. Note : No published data available for KKR, KKP and PiEM microfiance program details. Table 3 : Comparative Analysis of Banks Financial Institutions Microcredit Programs in Malaysia Category Banking Instititions (BIs) Development Financial Institutions (DFIs) Institution ABB AMBank CIMB EONCAPi PBB UOB CGC Agrobank BSN Bank Rakyat Program Name Personal Financing AmMikro Cash Express Personal Financing PB Micro Finance EasiCash DAGS Modal Usahawan 1 BSN Teman Niaga Mikro-i Target Group Micro enterprises Micro enterprises Micro enterprises Micro enterprises Micro enterprises Micro enterprises SMEs Micro enterprises Micro enterprises Micro enterprises Age Limit 25 60 years 18 60 years 21 60 years Retired civil servants 25 60 years 21 55 years 21 60 years 21 60 years 18 65 years Loan Amount RM2,000 RM50,000 RM3,000 RM50,000 RM3,000 RM50,000 RM5,000 RM50,000 RM3,000 RM50,000 RM5,000 RM50,000 RM50,000 RM3.0M RM1,000 RM50,000 RM5,000 RM50,000 RM1,000 RM50,000 Loan Period 6 months 5 years 1 5 years 6 months 5 years 3 15 years 1 5 years 2 5 years 3 months 5 years 1 5 years 1 months 5 years Processing Period 2 days 5 days 2 days 5 days 6 days 7 days 4 days 6 days 10 days Repayment Period Monthly Monthly Monthly Monthly Monthly Monthly Monthly Monthly Monthly Interest Rate / Charge 5.05%p.a 2.5%p.m 2% 3%p.m 2% 3%p.m 0.9%p.m 0.5% 3.5%p.a 4%p.a 4%p.a 4%p.a Source : Comparative table on microfinanc product features (BNM, 2010) and Respective Insritutions website 1.3 Problem Statements: Research issues in Microcredit Lending combines the science of obtaining and analysing the facts of a loan request and the art of making judgements about that information, the feasibility of the business, and the credibility of the borrower. Experienced lenders focus on the key business issues quickly, determine what information is needed, and then make prompt decisions based on that information. Developing sound credit judgement takes time and experience; development lending to small businesses by the book is difficult and rarely results in a quality loan portfolio. There is no formula for determining creditworthiness. The loan officer must assemble and evaluate information and then determine what the entire picture looks like. Traditional bank lenders refer to the Four Cs of lending: Credit, Capacity, Collateral, and Character. Development lending uses the same rigorous credit assessment principles, but applies them to situations in which the lender must rely on borrower character and cash flow from the business. The loan application and the first meeting with the borrower are the first screen of whether a business is a potential candidate for microcredit. Beginning with the first meeting, the lender must evaluate the quality of the business deal, the fit with the borrowers experience and capacity, and whether the financing amount and structure is appropriate. 1.4 Research Questions/Objectives The questions/objectives of this study are: RQ1: To investigate the microcredit lending methodology of commercial-driven and government funded MFIs RQ2: To investigate the credit assessment methodology of commercial-driven and government funded MFIs RQ3: Is there any different between lending and credit assessment methodology of commercial-driven and government funded MFIs? 1.5 Significance of this study This paper aim to understand, comparatively analyze and document the MFIs lending and credit application assessment methodology of both the commercial-driven and government-funded MFIs microcredit program. This study will contribute to enrich the existing literature related to microcredit and microenterprises financing with specific reference to Malaysia environment. 1.6 Limitations Survey involving only selected active MFIs based in west Malaysia. This paper only focused on microcredit lending and credit assessment methodology for micro enterprises only. 1.7 Organization of Report This paper is organized into four parts, after the introduction, part two contains the literature review related to microfinance lending and credit assessment methodology for micro enterprises. Part three describing data collection and analysis methodology and the last part contains concluding remarks and recommendations. LITERATURE REVIEW 2.1 Review of Microfinance Delivery Methodologies (REFINE) The Review of Rural Finance Innovations in Asia-Pacific Region have identified and documented the microfinance methodologies used in Asia. These methodologies include: Grameen Bank; Association for Social Advancement (ASA); SHG Linkage Banking ; Unit Desas (Village Banks) of the Bank Rakyat Indonesia (BRI); and Mixed model and mixed method (Source:xxx) Grameen Bank model The Grameen model is the most popular and widely replicated model in Asia. It consistently achieves outreach both in depth and magnitude and high repayment rates (98 per cent). The early replicators as early as 1989 were India, Malaysia and the Philippines; others include China and Indonesia. The model focuses on: poor peoples access to credit, with women as a priority; small loans repaid in weekly instalments; eligibility for higher loan amount for succeeding loans; loans for income-generating activities; financing activities chosen by borrowers themselves; and forming solidarity groups. Over time, the replicators modified the model to suit local contexts. ASA model ASA is another model from Bangladesh. In the 1990s, ASA gained recognition for achieving a repayment rate of 99 per cent. In Asia, the model has been replicated in India, Indonesia and the Philippines. While loan products are the same as with the Grameen model, the difference is that it does not impose the group co-liability. The model also requires that the borrowers form groups of 25 to 30 members. The model uses a unique standardized branch approach which enables cost savings and efficiency in service delivery the branch has no need for additional personnel for cashier and accountant, enabling it to fully cover costs even after 9 to12 months. SHG Linkage Banking model The SHG Linkage Banking model is an outcome of the Regional Linkage Banking Programme which is an initiative supported by APRACA and Deutsche Gesellschaft fà ¼r Technische Zusammenarbeit (GTZ) in the early 1990s. Using this model, NABARD of India achieved the largest scale and outreach in the countries supported by this programme. The approach is linking SHGs with banking institutions for loan and deposit services. Most SHGs are formed by NGOs or government agencies with financial support from NABARD. One difference between this model and the Grameen and ASA models is that before obtaining their first loan, the members of SHGs are required to mobilize savings first. They usually start at a 1:1 or 2:1 loan- to-savings ratio, increasing to 4:1 in succeeding loan cycles. Bank loans are wholesaled to SHGs, which in turn lend to individual members following terms and policies set by the SHGs themselves. The SHG is the dominant microfinance methodology in India (Sinha, 2003). Unit Desas model Unit Desas are village banks of the Bank Rakyat Indonesia (BRI). The bank provides loans for any income-generating activity: from 3 to 24 months for working capital and 36 months for investment capital. The reported repayment rate is 99 per cent. Charging market interest rates enabled the unit banks to be profitable and operationally self-sustainable units. Mixed model and mixed method As a result of cross-dissemination of various methodologies and experimentation by microfinance institutions, there is an emerging trend of adopting a mixed model and a mixed method. The former combines features of two or more models under one approach. The latter uses different methodologies for different client segments. For example, in the Philippines, microfinance institutions use an approach called GraSa which identifies clients and forms groups using the Grameen model while removing the co-liability requirement, which is a feature of the ASA model. Overall, the common thread among the best practices is the shift from mere credit to providing broader and sustainable financial services. While there are variations, there is an increasing emphasis on attaining a sustainable fund base, cost recovery of invested funds and efficient and responsive financial services to rural clients. 2.2 Traditional Approach of Creditworthiness Assessment for Small Borrowers An important role of credit markets is to screen borrowers and allocate credit efficiently based on their creditworthiness. Traditionally, banks have played a dominant role in doing so. One of the reasons posited for this has been that banks have the financial expertise to effectively intermediate capital (Diamond, 1994). The theoretical and empirical literature has argued that banks do very little screening for small borrowers and rely excessively on collateral. In addition, recent theoretical literature has also highlighted that the screening role may be better performed by markets with many participants, as opposed to banks (Boot and Thakor, 1997). Alternative peer-to-peer credit markets have recently started gaining popularity in lending to smaller borrowers such as individuals and small firms, both in developed and developing economies (Rajkamal I., et. al., 2009) While prior research has provided substantial evidence of elevated default risk among lower-income, minority, and less creditworthy borrowers (see, for example, Avery et al., 1996, Deng, Quigley, and Van Order, 1996, Berkovec et al., 1998, Pennington-Cross and Nichols, 2000), recent studies also suggest offsets to those risks via the slower prepayment speeds of targeted borrower groups (see, for example, Kelly, 1995, Van Order and Zorn, 2002, Archer, Ling, and McGill, 2002). Table 1: Summary of Criteria considered important by Bankers in Assessing Small Business Borrower Loan Applications Assessment Criteria Author(s)/Year Country Owners Personal Charatcteristics Business Ability (Fertuck, 1982) Honesty (Fertuck, 1982) Trading Experience (Deakins Hussain, 1994; Fletcher, 1995) Managerial Experience (Jones, 1982; Memon, 1984) Credit History (Jones, 1982; Memon, 1984) Quality of Management (Rosli, 1995) Malaysia Leverage and Security Position Gearing (Deakins Hussain, 1994; Fletcher, 1995; Berry, Grant and Jarvis, 2001; Binks and Ennew, 1996) Collateral (Ulrich Arlow, 1981) Guarantee (Deakins Hussain, 1994; Fletcher, 1995) Risk of Default (Rosli, 1995) Malaysia Owners and Business Financials Initial Capial (Jones, 1982; Memon, 1984) Financial Strengths (Fertuck, 1982) Bank Lending Policies Bank Policy (Berger and Udell, 2002) Relationship (Berger and Udell, 2002) Summary Table 2: Negative Factors Resulting in Rejection of Small Business Loans Application Assessment Criteria Author(s)/Year Country Owners Personal Charatcteristics Lack of Competecnce (Buttner Rosen, 1992; Desmond, 1991) Lack of Management Skills (Buttner Rosen, 1992) Lack of Entrepreneurial Skills Experience (Buttner Rosen, 1992; Desmond, 1991) Owners and Business Financials Poor Cash Flows (Struck Glassman, 1983) Poor Earnings Records (Fertuck, 1982) Insufficient Turnover (Read, 1998) Poor Credit Ratings Leverage Positions Poor Collateral (Fertuck, 1982) Insufficient Owners Equity (Struck Glassman, 1983) Past Due in Credit (Struck Glassman, 1983) Excessive Loan Requests (Desmond, 1991) Gearing too high (Desmond, 1991) Business Plans Insufficient Market Research (Buttner Rosen, 1992) Incomplete Business Plans (Buttner Rosen, 1992) Other Factors Bad Timing (Buttner Rosen, 1992) Summary 2.3 Innovation in Small Business Lending: The Art and Science of Microcredit The history of microcredit program can be traced back since 18th century where Credit Coperatives and charities provided small entrepreneurs in Europe (Hollis et. al., 1998). According to Hollis et. Al., a notable microcredit program in europe includes a fund created by Jonathan Swift, a novelist and the Irish Reproductive Loan Fund Institution. In developing economies, it is argued that among others absence of access to credit is presumed to be the cause for the failure of the poor to come out of poverty. Meeting the gap between demand and supply of credit in the formal financial institutions frontier has been challenging (Von Pischke, 1991). In fact, the gap is not aroused merely because of shortage of loan-able fund to the poor rather it arise because it is costly for the formal financial institutions to lend to the poor. Lending to the poor involves high transaction cost and risks associated with information asymmetries and moral hazards (Stiglitz and Weiss, 1981). Nevertheless, in several developing economies governments have intervened, through introduction of microfinance institutions to minimize the gap then allow the poor access credits through provision of so called microcredit. Microcredit is defined simply as small-scale credit, most typically for less-advantaged individuals. In practice, microcredit is most frequently used to refer to credit provided specifically for the purpose of starting a small business and there is other microcredit products catering for other consumption needs of poor individual. The various forms of micro-credit systems have proven successful in delivering credit to the poor and ensuring high rate of repayment when compared to the formal channels. Because micro-credit systems have been effective in reaching the poor, many developing countries have set up special financial institutions that either directly provide credit to SHGs and the facilitating NGOs or help refinance commercial and cooperative banks that provide the credit. These national micro-finance institutions are in turn funded by international agencies as well as the national government (source xxxx) Microfinance Lending Methodology Micro-lending methodology in practice is appearently different to mainstream banking. The distinguish characteristics are as follows; (i) non traditional creditworthiness assessment criteria; (ii) non traditional collateral accepted; (iii) loan officers are not necessarily bankers; (iv) credit is provided along with business support services. Other distinguishing features between them are as tabulated below; Table 3: Comparison of Micro-finance and Formal Banking Lending to Micro Enterprises Characteristics Microfinance Formal Banking Size of loan Small/tiny size of credit Medium/large credit Duration of loan Short duration Medium and long Thrift Emphasis on thrift as well as loans Focus on loan only Screening and Monitoring Group formation and informal methods Formal Procedures Enforcement of Repayments Stepped or sequential loans, Peer pressure and weekly repayments Collateral and legal pressured for repayments Nature of Organization Social organizational form Commercial organization form Motivation Self-help motivated Profit motivated Outreach Access to poor without collateral (all members) Access limited Lending Method Cash-flows based lending Asset-based lending Analysis Field visits Desk Analysis Credit Administration Flexible and personalized Standardized Source: Adapted with midification fromxxx 2.3.2 Microfinance Loan Assessment and Credit Analysis Methodology An important function of credit markets is to screen borrowers and allocate credit efficiently based on borrowers creditworthiness (Iyer, et. al., 2009). The credit analysis is defined as a process of establishing the current creditworthiness of loan applicants and forecasting the trends in its development. Top priority goals and stages in the bank credit analysis are determined. (Feschijan, 2008). The analysis of the creditworthiness involves preliminary study of the factors and prerequisites which can affect adversely the duly repayment of the credit. When analyzing creditworthiness, along with the required prerequisites for creditworthiness it is necessary to carry out a comprehensive study of the factors that determine it. It is believed that creditworthiness depends on several major factors: the borrowers efficiency, his reputation, his capacity for profit making, the value of his assets, the state of the economic situation, his profitability, etc. In order to conduct a thorough study of the above mentioned, it is necessary to use a number of indicators for the credit analysis (Feschijan, 2008). Table 3: Empirical Evidence of Microcredit Repayment Determinants Determinant factors Author(s)/Year Country Regular monitoring, audits, high repayment frequency, having group savings deposits Deininger and Liu (2009) India Close monitoring and close relationshp with borrowers Roslan et. Al. (2007) Malaysia Threats of sanctions, borrower incur less transactions costs Bhatt and Tang (2002) USA Gender of the borrower, type of business activity, amount of loan, repayment period and trainning Rosalan and M. Zaini (2009) Malaysia Joint liability, dinamic and progressive lending, Peer monitoring, social ties and social connections, self-selection, income shocks, social sanction and cooperation, loan size, infrastructure and local economic environment, group rules and regulations, group size, age of the group, assistance offered by bank, gender, local culture, group homogeneity, role of group leader Bakshi (2008) N/a (literature review) Group gender decomposition (group with more females) Anthony and Horne (2003) USA RESEARCH METHODOLOGY Data Specification and Collection Method Target Respondents Target respondents will comprises of the following selected microfinance institutions (MFIs) which constitutes both the non-bank MFIs and bank-MFIs; Category Non-Bank MFIs Bank-MFIs Organization MARA YUM AIM TEKUN SCC BSN Agro Bank Bank Rakyat Target Respondents Credit Manager/Officer Credit Manager/Officer Credit Manager/Officer Credit Manager/Officer Credit Manager/Officer Credit Manager/Officer Credit Manager/Officer Credit Manager/Officer No. of Respondents 40 40 40 40 40 40 40 40 Total respondents = 320 A personally administrated survey was employed in this study. Target respondents were comprises of credit managers and officers of the above selected MFIs in west Malaysia. Questionnaire Design Table 3.1: The Structured Questionnaire Design Section Category Remarks Section A Respondent Profile This section is designed to cater information on respondents demographic profile. Section B Lending Methodology This section concentrates on profiling the lending methodology of MFIs Section C Credit Assessment This section is designed to explore microcredit assessment criteria employed by MFIs Data Analysis Methods Descriptive Statistics Analysis Descriptive statistics analysis used to explore the characteristics of the respondents. Factor Analysis Factor analysis use to analyse and determine the significant important factors for microlenders in analysing microenterprises loan applications. Analysis of Variance (ANOVA) ANOVA is used to established statistical significant of differences of lending and credit assessment methodologies between commercially-driven and government-funded MFIs. ANALYSIS AND DISCUSSIONS Descriptive Statistics Analysis Respondent demographic factors Factor Analysis RQ1: To investigate the microcredit lending methodology of commercial-driven and government funded MFIs RQ2: To investigate the credit assessment methodology of commercial-driven and government funded MFIs

The Pact Essay example -- Pact Analysis Essays

The Pact Assignment I found it difficult to relate with the book, The Pact, for near the first half of the story. The three boys, Rameck, Sam, and George all grew up in impoverished neighborhoods in New Jersey. They were surrounded by drugs, violence, theft, prejudice, and death. None of the 3 had a father figure within their home while growing up and discovered that it was extremely difficult to find any positive role models within their area. As kids, Sam and Rameck both caved under the peer pressure and became entangled in immoral activity. Rameck had even let adrenaline take over during a fight and stabbed a man in the thigh with a switchblade. As a result he spent 4 days in jail, some time on house arrest, and faced attempted murder charges, which were later dropped. Sam also spent 4 weeks in juvenile detention at a similar time for a mugging he had participated in. I am very fortunate to have never been put into this type of position. It makes me feel quite selfish for ever complaining about a negative situation in my own life. As very young children they had the understanding that one day they may be shot and killed. Most children are entirely sheltered from any type of violence, death, and immoral behavior, at least until they are tossed into the public school system. I was one of those children. My parents never mentioned to me any type of wrongdoing which in reality is considered commonplace in our perfect America. Though everyone pretended the bad wasn‘t there, that does not mean that it had never been experienced. As a young child my family did go through some problems. My father wasn’t home much, either doing his job, traveling from plant to plant (which were states apart) as a modular home inspector, or doi... ...idates/bush.new.html> â€Å"Economy.† Wikipedia, The Free Encyclopedia. 4 Nov. 2004. â€Å"George Bush.† The White House. 4 Nov. 2004. â€Å"George H.W. Bush.† Famous Texans. 5 Nov. 2004. Miller, Roger. â€Å"Bush & Bin Laden- George W. Bush had ties to Billionaire Bin Laden Brood.† American Free Press. 5 Nov. 2004. â€Å"President Bush, Jordanian King Discuss Iraq, Middle East.† The White House. 10 Nov. 2004. â€Å"President George W. Bush.† The White House. 4 Nov. 2004.

The Giver :: essays research papers

The Giver - Main Character Jonas, the main character in The Giver by Lois Lowry, is a very strong person, which allows him to go farther in life then the people that surround him. Throughout Jonas's life he has known nothing but "sameness". He lives in a Utopian community where there are no choices and everyone in his world has their lives laid out for them. But, Jonas is given the job of "Receiver of Memory". He alone knows the truths of the world, a world with colors, pain, and choices. What he does with these truths will bring obstacles to his life that will show the readers not only his strengths but his weaknesses as well. Jonas is made to bear the truths of the world alone and is troubled by what he should do with it. Jonas at first doesn't want the memories because after receiving several of them, all that Jonas has known is being questioned and his world turned upside down. 'He is angry and afraid after receiving his first set of memories. Angry because of what has been kept from him and afraid because now he doesn't know what to do. Jonas is uncertain whether the world he learns of is best for his community and if people can be trusted to make decisions on their own. In a conversation to "The Giver" (person passing down the memories) about whether or not it is safe to allow people to make their own choices, Jonas say, "What if they are allowed to choose their own mate? And chose wrong? . . . We really have to protect people from wrong choices." But, by the end of that conversation he is uncertain about his feelings and about many other things. Jonas is confused because he doesn't know what he should do about it or if he should do anything at all. Jonas finally decides to change the world (at least the one he knows of), but he faces many obstacles trying to do so. Jonas speaks to the Giver about giving memories to the community . He wants to share them with everyone and change the way the community works. He wants to give them choices and show them that there are differences. The Giver says the only way the community will receive them is if Jonas goes to the beyond and loses his connection to them.

Of Mice and Men The End Analysis Essay

â€Å"What happens at the end of this novel shows that Steinbeck’s view of life is a pessimistic and negative one.† By the end of the novel tragedy struck the hopeful couple Lenny and George, as once again Lenny have â€Å"done a real bad thing.† He accidentally killed his little puppy, not knowing that it would â€Å"get killed that easily†. It really wasn’t his fault, for it â€Å"ain’t little as mice†, though it â€Å"wasn’t big enough† of a puppy either to be kept outside its mother’s reach. And if that wasn’t bad enough, on that same day he viciously killed Curley’s wife. In the barn she was consoling her loneliness by talking to Lenny in a â€Å"passion of communication†. With pleasure she talks of her dreams and of her life, about how her life would be if she â€Å"made somethin’ of herself†. How she was said to be a â€Å"natural† in movies and how her â€Å"ol’ lady stole† letters from a guy she knew that â€Å"was in pitchers†. Her dream dies as with her body as Lenny tries to shut her up. Not knowing his own strength he breaks her neck after she struggles to break free, and â€Å"her body flopped like a fish†, as Curley did when he tried to let go of his hand from Lennie’s strong grasp. As soon as Candy and George discovers the unlawful act that Lenny has done, they try to reason with his actions and find the best action that should be taken against him. Pessimistically George wants to â€Å"get ‘im an’ lock ‘im up†, for his own good so he won’t â€Å"starve† to death. In the end George decided to kill Lenny, for he thinks that if anyone should lynch Lenny, it should him that would kill Lenny, mercifully. I agree with the statement that Steinbeck’s opinion on life by the end of the novel is a pessimistic and negative point of view. By pessimistic I mean that he has a tendency to stress the adverse aspects of a situation, in this case expecting the worst possible outcome in life. Negative, meaning he expresses denial, refusal, prohibition, bad, or evil things in general. The ending of this novel in my opinion is very tragic, having three deaths occur in one day which not only does it represents physical death, but also emotional death. I see death as the negative side to life, but then again death can be seen as something positive, as religion tells us of something called heaven, which for Lenny might be â€Å"tending rabbits† and â€Å"live off the fatta the land.† On page 112 where George describes the perfect life: â€Å"Ever’body gonna be nice to you. Ain’t gonna be no more trouble. Nobody gonna hurt nobody nor steal from ’em†, it is all positive things. But the fact that Lenny had to imagine it means that he can’t see it with the naked eye, therefore it does not exist in reality, leaving reality with the opposite of that imagination of the perfect life which is the negative things. I believe the puppy represents the death of trust and responsibility in the companionship between Lenny and George. George trusted Lenny to take care of his puppy, but once again Lenny acted irresponsible, not listening to Slim’s and George’s advice to not take away the pup from its mother. This is why Lenny was very nervous after the dog gets killed. He was afraid â€Å"maybe George ain’t gonna let me (Lenny) tend no rabbits†, that George would lose his trust on Lenny. He was afraid that George would pass a negative judgement on Lenny. The death of Curley’s wife I say would mean the death of the innocent. I thought she was caught in the middle of life in the 1930’s where her gender was discriminated against, and as a wife she should stay at home â€Å"where she belongs†. I feel pity for her living on a ranch where there aren’t many other women around. As her husband prohibits her to talk to other men, people might find her as â€Å"trouble†, â€Å"jail-bait†, one that â€Å"conceals nothing†. Lennie’s death, the climax of the novel situated at the end of the novel is very important. His death expresses the death of true friendship between George and Lenny, unlike the other migrant workers relations. The death of Candy’s dream of having a place he can call his own, the death of Crook’s hope to be treated as equal, as a human being and also as a friend. The relationship between George and Lenny are different from other guys. â€Å"We got each other†, not like other guys who â€Å"ain’t got nobody in the worl’ that gives a hoot in hell about ’em†. Lenny and George get a sense of security out of this. This may be considered a luxury for any other migrant workers. Candy who is old and weak also yearns for security. â€Å"Jus’ as soon as I can’t swamp out no bunk – houses they’ll put me on the county†, shows how he is afraid of his future, how if he’s unemployed with no permanent residence and what would happen if he would be left out in the streets. He was deeply stricken with sadness, as â€Å"his eyes were blinded with tears† and how he just â€Å"lay down in the hay and covered his eyes with his arm†. Crooks who tries to â€Å"conceal his pleasure with anger† as Candy and Lenny both were guests at his bunk, is a man who lost all his pride and dignity because of racism. People degrade him in a level so low that he has no more self-confidence or even self-respect. With the coming of Candy and Lenny he gained them piece by piece. For a moment he felt to be part of something in Lennie’s â€Å"dream†, how he hoped to live a better life where people would treat him with the respect that he deserves. All is but a memory once Lenny is killed, no chance the dream would come true. I’d think everybody would just go their separate ways, living their lives in a straight line, hardly ever cross. Steinbeck’s style of writing noticed in the description of nature on chapter 6 is far more violent than described in the beginning of the novel. â€Å"A silent head and beak lanced don and plucked it out by the head, and the beak swallowed the little snake while its tail waved frantically. But one could argue that his negative view on life already started from the beginning of the novel. The title â€Å"Of Mice and Men† which is taken from a poem by Robert Burns says that no matter how you plan something, something always goes wrong. George expected the worst possible outcome, being pessimistic of Lennie, by foreshadowing him to get in trouble. If you look in the positive way, the end can also mean a new beginning.

Analyse Your Own Strengths and Weaknesses in Counselling Skills Essay

Use your engage from P3 and analyse (con statusr in detail) it e. g. what be your durabilitys in rede skills, why you study they ar your cogencys and where do you expend them. What atomic number 18 your flunkes, why do you depend they argon your weaknesses and what seatside you do to operate them into loudnesss.For Egans prototypal head I weigh the intensivenesss that I piss in counselling would be that I let offed to the lymph node close to the go and confidentiality that is included into the contract that is kept amongst the counsellor and the node and so with this I was equal to(p) to workout this to be fit to point the lymph node that this is a pro relationship and so this is rationalizes the guidelines of what is outlet to progress amid the counsellor and thickening indoors the school terms and outside of academic academic terms if touch modality is necessary.This is a loudness because the node testament count that I am profess ional because we adopt to go by essence of the contract firstly origin altogether in each(prenominal) toldy the expireing of any posings so and so they do it what is red ink to happen in the sessions that they are having.It would as well be a peculiarity because if I did non explain the contracting at the beget of the session soce the node would non enjoy what the counsellor does much(prenominal) or less bear uponing, name, address, and as well as if they dedicate been referred here by their GP and explain to them if they requisite more specialised service and so they would explain at the write down if the counsellor would develop to refer their node onto some(a)one more specialised so this would be a client that business leader pitch drinking or drugs problems and so they would study to explain first that they talent refer later on in the sessions and the warning of sending them on.I was similarly commensurate to explain that confidentiality was a bid a capacity because if the client didnt go that the confidentiality during the sessions then they index non be go around to stateing me the counsellor close to what their do is and so then I readiness military issue the reading that they get down verbalise already and be satisfactory to spread so I was suit up to(p) to explain the confidentiality so that they bash that all they study will stay between me and the client unless they are at risk of exposure of harming themselves or others and so I would curb to break confidentiality there and I would fear them of that I am breaking confidentiality by informing others of what they fox take upe.This is a attitude because I was subject to explain all about confidentiality so that the client is satisfactory to k like a shot all the info they needed about what is going to happen in the counselling sessions. I would use confidentiality with each patient I am with because they will non trust me other an d I would not be up to(p) to stand by them with their routines and that they would want me to keep everything they verbalise other I great power be move them at risk of macrocosm harmed. some other potency that I had was that I was qualified to institute un bias information which heart and soul that I was not adding any of my stimulate opinion to the advice that I was giving the client. I think that this was a strength because I didnt let myself give biased information which could lead me into trouble if they followed my advice, this would to a fault cause the client issues if they were cosmos mistreated and they followed my advice and I put them at harms focus because I told them to institute a purpose about what their circumstance was and that I could potentially lead them into getting more blemish than they already was.I would use this strength with all the clients that I am care to because then I am not reli equal to be subject to existence prosecuted because I told them that they should do this and that and so this meant they efficacy be homeless, severely hurt or steady worse that they require doomed everything because of one little thing that I have state to them and so unbiassed information also protects me the professional from not beness subjected to court because of adverting them in the sessions and providing this information to them.Eye contact is a strength of mine because establishing eye contact with the clients that I have to work with allowed me to be able to show them that I was listen to what they have to enounce and so this recognise it so that I was not existence rude to them because of not discovering at them and so this meant they was able to express more to me because of me the professional able to pay attention and see the sensation they are expressing with what they have to say and if they are not aspect anything then seeing the olfactioning that they are able to transpire by macrocosm quite but are absent to express what they want to say without rattling saying it.I think this is a strength because they need eye contact to get along who they are talking to particularly if its couple or group counselling that is taking place. I would use this when existence with my clients because they would need to be able to know that I am existence forceful to them when they are expressing what they have bottled up for a long time and so this allows them to know that they tail end trust me.During the session a strength that was pointed out what that I was able to reverberate throughout the session and this is a strength because it showed that I am being assertive and being able to reflect post to the client everything they said and also expressing the comparable emotion that they told me back to them to show them what they are doing and so this shows them what emotion they are putting in with their words so that they know how they are sense of smelling about a certain taking s.I think this is a strength because they are able to show that I am not entirely listening but also taking in the information if I am able to reflect it back to them with the same emotion they are employ and so this wait ons for when I have to give them unbiased information that bath doctor to the presenting issue. I would use this with the clients I have in the counselling sessions to show that I am capable of service of process them if I have the knowledge of what they have said to me and be able to transfer it back to them for the next session so that they are able to vent it all to me so then they abide have alleviate.Summarising was also a strength that I was able to do in the counselling session because at the end of the session I was able to take in all the information that the client has discussed and summarise it so that they know I was able to do this by listening to everything they said. I think this is a strength because the client is going to trust me more and then we ordure start building a admirering relationship by being able to incur sure that everything that the client has said I take it into account even if its the smallest thing.This would be used when I am with clients because showing them that I am able to summarise all what they have discussed shows that I want to help them with their presenting issue. video display professionalism and exploration are a strength because I was able to represent myself that I am professional and not being in-person so that the client elicit only see me as a professional and not someone who is being non-professional and so this is a strength because then they are not able to now personal things about me that are hidden and will only make the client confused of who is in the room my personal self or the professional side and that exploration I was able to grow more information about the client by request open questions so that I was able to help them with the presenting issue at hand. I woul d use this with the clients because then I am not permit them see my other side and glutinous to professionalism and that exploring is an easier way to finding all the information the client has on that topic and so this sum being able to help a pass around faster and possibly even resolving the issue.The weaknesses that occurred in the first stage was that at the start of the session I was not being focussed, this is a weakness because then I was not paying attention to the client and they expertness have said something important or urgent that take attending to for practice session if they said they was going to kill their family and I ignored that then I could potentially making her family at risk of being hurt or even off because I was not paying attention. To turn this into a strength I need to be more focussed that meaning I need to be focussed as soon as they infix the room so that I do not miss anything they say or express on their face.Another weakness was that I was also judgemental to the client with what they say and this is a weakness because I should not being judging them on what is going on with their life or how they determine because I do not know them or their life so this could have been the way they was born and judging them only makes me feel guilty about what I am thinking about them and give notice lead me into getting distracted. I deal turn this into a strength by making sure that no be who my client is I am not allowed to judge because nobody is perfect and not all people have the same life as me and so that they may need more help.Egans minute stage I think that the strengths I have are that I was gainsay the client by consumeing open questions so that they are forced to evidence me more information and not retributive a simple yes or no swear out and something that they would have to think about, this is a strength because it make them feel like I was caring because I was asking the open questions to be able t o roll deep into the presenting issues and so this would help me be able to resolve the issue and help them with their life. I would use this to e able to tackle the client that have clog in expressing what they want to say because they are either scared, worried or frightened of what my reaction efficiency be. Another strength I have is repeating the issue to the client to allow them to continue where they might have left off, I think this is a strength because it might be that they were heading is the right direction because this might be about the presenting issue that they have and so allowing me to repeat it to them to continue allows them more chance to get everything theyve probably valued to say off their chest.I would use this with every client I see because at least I am showing them that I entertain what they said and also allowing them to remember so they are able to express what they want.The weaknesses that I occurred through the second stage was that I made the client feel uncomfortable by leaving awkward silences I think this is a weakness because if its a new client then this means I still am assay to know this person and they might not be happy that they would tell a complete stranger all about the secrets they have been hiding for years and so this meant I was time lag on them to answer one of my open questions or waiting for them to present an issue that I am able to help them with, the way I would turn this into a strength is that kinda of waiting on them to answer me I could get them to do activities like brief or ball game so that they are able to trust me and start the conversation going. Another weakness was that I introduced myself over again and so this is a weakness because this could be passed on to the client as though I am fatuous of who my clients are so I need to introduce myself again and this could lead the client in not trusting me because if I have to do this then I probably can not remember the conversations t hat I am having with my clients and who they are. To turn this into a strength I need to not introduce myself again but make sure that they are aware that I am there as a professional and so the introduction needs to be happening at the start of a new client.The strengths that occurred in the ternion stage was that that I was able to look back at the last session which is reflecting and this is a strength because I was more able to express all the emotion they had put into the conservations over time and so this means that I can help them more and they can see what emotion they are expressing to me when I mention a certain topic and develop on this because if a topic that they mentioned is a lot more expressed than another than this can help the client be able to think more about this topic and if it can resolve the presenting issue. I would use this with my client because they need to know that I am being aware of what they are saying to me and also the emotion they are putting in to it.Another strength was that I was able to recap on the modishness ranges that were set in the second stage and so this is a strength because when recapping on these gets it can help the client be able to show me that they have get hold ofd some of their targets and also review the ones that have not been met and see if we cant change it to make it smarter so that they dont feel like they are unable to achieve it, I would use this strength with all my clients because being able to set wound targets enables not only me but also the client to be focussed on what they want to do so this might mean setting a target such as if my client was pregnant and needed to tell the father than this means the target will be able to help her be able to tell him using the SMART example and that this might make her feel better because if she can do this then she will be able to set other targets than can do with this subject and if she cannot for fill the target for some reason then possibly we can change the target to ones that are easier. The weaknesses that occurred in the third stage was that I spoke too much to the client and this is a weakness because this meant that I was overloading the client with too much information that they might not be able to take it all in and so feel really confused with what I am saying and then feel like they are not able to ask again because I might say it all again and overload them.I think that to turn this into a strength is that when I need to tell them information is too inform them first that I need to give them information and make it clear to them and then ask if they got everything I said and that they understand. Another weakness was that I was not focused again which meant that I didnt turn it into a strength because I was able to do it again and this mean that this is a weakness because I didnt listen to my own advice of being able to turn it into a strength and so this means that I need to be more focussed otherwise it can lead to consequences on the client and also me the professional. To turn this into a strength is that I need to stay focussed on every client that I see even if I dont believe the client or that I know they are verbalize lies because they have changes their story from the previous session.