Western Washington University Acceptance Rate, SAT/ACT Scores, GPA

Western Washington University is a public university with an acceptance rate of 88%. Founded in 1893, and located in Bellingham, Washington, Western Washington University is about 90 miles north of Seattle and 50 miles south of Vancouver. The university has an 18-to-1  student / faculty ratio, and an average class size of 27. At WWU, 99% of classes are taught by faculty. The majority of students major in the humanities and social sciences, business and economics, science and engineering, and education. In athletics, the WWU Vikings compete in the NCAA Division II  Great Northwest Athletic Conference. Popular sports include soccer, basketball, track and field, and cross country. Considering applying to Western Washington University? Here are the admissions statistics you should know, including average SAT/ACT scores and GPAs of admitted students. Acceptance Rate During the 2017-18 admissions cycle, Western Washington University had an acceptance rate of 88%. This means that for every 100 students who applied, 88 students were admitted, making WWUs admissions process somewhat competitive. Admissions Statistics (2017-18) Number of Applicants 11,124 Percent Admitted 88% Percent Admitted Who Enrolled (Yield) 32% SAT Scores and Requirements Western Washington University requires that all applicants submit either SAT or ACT scores. During the 2017-18 admissions cycle, 84% of admitted students submitted SAT scores. SAT Range (Admitted Students) Section 25th Percentile 75th Percentile ERW 550 650 Math 530 630 ERW=Evidence-Based Reading and Writing This admissions data tells us that most of Western Washingtons admitted students fall within the top 35% nationally on the SAT. For the evidence-based reading and writing section, 50% of students admitted to WWU scored between 550 and 650, while 25% scored below 550 and 25% scored above 650. On the math section, 50% of admitted students scored between 530 and 630, while 25% scored below 530 and 25% scored above 630. Applicants with a composite SAT score of 1280 or higher will have particularly competitive chances at Western Washington University. Requirements Western Washington University does not require the SAT writing section. Note that WWU participates in the scorechoice program, which means that the admissions office will consider your highest score from each individual section across all SAT test dates. ACT Scores and Requirements Western Washington University requires that all applicants submit either SAT or ACT scores. During the 2017-18 admissions cycle, 26% of admitted students submitted ACT scores. ACT Range (Admitted Students) Section 25th Percentile 75th Percentile English 21 30 Math 21 27 Composite 22 29 This admissions data tells us that most of Western Washingtons admitted students fall within the top 37% nationally on the ACT. The middle 50% of students admitted to WWU received a composite ACT score between 22 and 29, while 25% scored above 29 and 25% scored below 22. Requirements Note that Western Washington University does not superscore ACT results; your highest composite ACT score will be considered. Western Washington does not require the ACT writing section. GPA In 2018, the middle 50% of Western Washington Universitys incoming class had high school GPAs between 3.29 and 3.83. 25% had a GPA above 3.83, and 25% had a GPA below 3.29. These results suggest that most successful applicants to Western Washington University have primarily A and B grades. Self-Reported GPA/SAT/ACT Graph Western Washington University Applicants Self-Reported GPA/SAT/ACT Graph. Data courtesy of Cappex. The admissions data in the graph is self-reported by applicants to Western Washington University. GPAs are unweighted. Find out how you compare to accepted students, see the real-time graph, and calculate your chances of getting in  with a free Cappex account. Admissions Chances Western Washington University, which accepts over three-quarters of applicants, has a somewhat competitive admissions process. However, Western Washington also also has  a holistic admissions  process involving other factors beyond your grades and test scores. A strong  application essay  can strengthen your application, as can participation in meaningful  extracurricular activities  and a  rigorous course schedule. The college is looking for students who will contribute to the campus community in meaningful ways, not just students who show promise in the classroom. Students with particularly compelling stories or achievements can still receive serious consideration even if their grades and test scores are outside of Western Washington Universitys average range. In the graph above, the green and blue dots represent accepted students. As you can see, the majority of students admitted to WWU had GPAs of 3.0 or higher, SAT scores (ERWM) above 1000, and ACT composite scores of 20 or higher. A significant number of admitted students had grades in the A range. If You Like Western Washington University, You May Also Like These Schools: University of WashingtonOregon State UniversityBoise State UniversityGonzaga UniversityWashington State University All admissions data has been sourced from the National Center for Education Statistics and Western Washington University Undergraduate Admissions Office.

Lung Cancer A Genetic And Acquired Disease - 2073 Words

Lung cancer is a genetic and acquired disease. Lung cancer is genetic because cancer in general is caused by changes to the genes that control the way our cells function, especially how they grow and divide. All of these changes include mutations in the DNA that makes up our genes. Genetic changes that increase cancer risk can be inherited from our parents, if the changes are presents in germ cells. Which are the reproductive cells of the body, those are the eggs and the sperm. Lung cancer is also acquired because as the result of errors that occur as cells divide a person’s lifetime or exposure to certain chemicals. Some examples of these chemicals are found in tobacco smoke, radiation, UV rays from the sun that damage DNA. â€Å"In general, cancer cells have more genetic changes than normal cells. But each person’s cancer has a unique combination of genetic alterations.† Some of these changes may be the result of cancer, rather than the cause. As the cancer con tinues to grow, additional changes will occur. Even within the same tumor, cancer cells may have different genetic changes. Lung cancer has multiple ways of impacting a body. This depends on the stage of lung cancer and when it becomes diagnosed. At early stages, lung cancer patients are often unaware that they have the disease. As the disease becomes more advanced, variable symptoms can develop. They often present with respiratory symptoms such as cough, shortness of breath, or blood with coughing. Common placesShow MoreRelatedAdvanced Healthcare Treatment Over The Past 20 Years1628 Words   |  7 Pagesstudies of each type of techniques. Gene therapy is an experimental form of treatment, where normal genes are placed into missing or defective ones in order to correct or alter genetic disorders. In other terms, it is the therapeutic delivery of nucleic acid polymers into a patient s cells as a drug to treat disease (Gennady, 2015). 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Multi Layered Security Plan free essay sample

Simplicity of users passwords can be a major problem so we need to implement employ passwords including eight or more characters, both upper and lower case, and use of at least one special character. Passwords will need to be changed every three months and the same password cannot be used again for one calendar year. In the workstation domain, we need to make sure that each of the workstations, whether desktop or laptop, has antivirus and mallard protection Installed on them.Laptops are very vulnerable for loss or theft, so all company laptops should have an encrypted hard drive so that If they are stolen, the data contained on them Is not covered by anyone but the owner. For the LANA domain, we need to have trailing about email scams. Most users know not to access suspicious emails when on our system but a quick training course will help. Also, adding spam filters will help get rid of most of the Junk email, so there is much less risk of employees opening emails containing mallard. We will write a custom essay sample on Multi Layered Security Plan or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page In the LANA-to-WAN domain, we need to shut down the FTP server we have running and switch it over to use secure FTP so that only users allowed on our system can access our FTP server. In the WAN domain, we need to cake sure that we have firewalls set up on our network to filter all incoming traffic. A firewall will stop all traffic coming on to our system that is not meant or not wanted on the Irishman Investments network. For the remote access domain, we need to make sure the VPN we use Is secure so that our employees are not exposing sensitive data to anyone outside of our network.In order to do this we will make sure that everyone using a VPN to access our network has to authenticate to the system to get authorization. For the systems/application domain, we need to lessen chances for attacks on our servers. This will be done by figuring out which ports and services are not being used and shutting off access to those ports. This will give hackers less ways onto our system. Also we need to make sure all servers have the latest patches and updates.These updates provide the latest security patches and keep our servers running at their full potential with less likelihood of vulnerabilities. Applying all these security measures will ensure a much safer environment, technically speaking. This multi-layered security approach will help keep our network secure and running smoothly. Intent Project 1, Multi Layered Security Plan By Correlative Project Part 1: Multi-Layered Security Plan domains of the IT infrastructure and increase security on each of those domains. Increasing the security on each of those seven domains will increase the overall desktop or laptop, has antivirus and mallard protection installed on them. Laptops encrypted hard drive so that if they are stolen, the data contained on them is not recovered by anyone but the owner.

Stats Essay Example For Students

Stats Essay USING STATISTICAL EVALUATION FOR FUND PURCHASINGABSTRACTFund Purchasing Using StatisticsIn the past few years many young people transiting into adulthood have found themselves victim to improper or no teachings on how to handle money, or how to build some kind of future funds. This trend has effected most young people. When talking about stocks and mutual funds, many individuals do not realize that statistics can play a major part in the selection of an asset for the future. This study was to show that statistics can be used to compare mutual funds, to what you want for a return. The mutual funds looked at were only in six sectors of the market. TABLE OF CONTENTSABSTRACTLIST OF TABLES AND GRAPHSiiINTRODUCTION .1METHODS ..3RESULTS OF HOW STATISTICS CAN HELP BUILD FOR THE FUTURE ..4Importance of Saving For the Future ..4Process of Evaluation.4CONCLUSIONS AND RECOMMENDATIONS 13LIST OF TABLES AND GRAPHSTable A. Average, Range and Standard Deviation Comparison..4Table 1. Returns for Conse rvative fund one and two7Graph 1. Returns for Conservative fund one and two7Table 2. Returns for Secure fund one and two.. .8Graph 2. Returns for Secure fund one and two8Table 3. Returns for Moderate fund one and two9Graph 3. Returns for Moderate fund one and two9Table 4. Returns for Balanced fund one and two10Graph 4. Returns for Balanced fund one and two10Table 5. Returns for Ambitious fund one and two11Graph 5. Returns for Ambitious fund one and two11Table 6. Returns for Aggressive fund one and two12Graph 6. Returns for Aggressive fund one and two12INTRODUCTIONPotential purchases for building future wealth can be done with statistics. Individuals have many things to consider before they invest money, such as how much return they would like to have on a investment, how often they would like their money to double, and how much to invest. These factors help the individuals make an informed decision, about which investment would be best for them. This study was to compare the perform ance of two funds in six different sectors. Its main purpose was to look at how statistics can best be suited to do this. The six different sectors were selected; two funds were selected from each. Sectors:1. Conservative 19881989199019911992199319941995199619971998C110.412.818.415.03.08.211.38.013.27.310.7C210.914.024.215.92.58.713.710.217.98.011.62. Secure 19881989199019911992199319941995199619971998S118.210.223.718.97.812.023.04.421.28.08.2S216.39.327.819.10.512.815.31.427.92.713.13. Moderate 19881989199019911992199319941995199619971998M114.510.029.723.211.616.019.70.829.57.67.5M221.914.427.217.66.415.728.24.527.66.64.54. Balanced 19881989199019911992199319941995199619971998B129.29.224.717.32.321.822.81.420.87.77.5B221.58.923.213.27.812.724.82.325.69.211.95. Ambitious 19881989199019911992199319941995199619971998A136.26.332.411.82.914.722.93.538.610.815.8A227.32.633.514.73.415.132.8-6.124.113.825.26. Aggressive 19881989199019911992199319941995199619971998G123.77.633.425.85.513.328 .66.951.54.0-4.1G222.30.338.319.76.014.137.0-2.157.66.4-1.2METHODS The methods used were the average, range, and the standard deviation associated with each fund. Assuming that the distribution for each fund was normal, the z-tables were then used to calculate the percentage of time the return was above the designated return goal for each fund. We will write a custom essay on Stats specifically for you for only $16.38 $13.9/page Order now RESULTS OF HOW USING STATISTICS CAN HELP BUILD FOR THE FUTURE. Importance of Saving For the Future The importance of saving early, is that the extra time allows your assets to build before they are needed. An example of this is an investment of $16,000.00 before the age of 27 properly managed with a 15 % return yearly, could net an individual approximately $750,000.00 at the retirement age of 62 years old.Whereas a 40 year old individual saving $2,000.00 a year properly managed with a 15 % return until the age of 62, will net approximately $500,000.00. Approximately 65 % of all retired persons retire with an annual income of less than $20,000.00 (Money 1997). This is one good reason for starting at an early age and to be able to enjoy your retirement. With inflation at approximately 3 % a year and increasing the dollar will be worth less tomorrow than today. Process of EvaluationTo find funds with high gains or losses, determine the average, range and standard deviation of each fund. The results are in the following Table: Table 1. Average and S tandard Deviation Comparison AVG%STDRangeS P16.1511.3834.80CMI14.288.2927.60C110.754.1615.40 C212.505.7021.70S114.156.9719.30S213.309.5027.40M115.438.8028.90M212.5021.7023.70B114.979.2027.80B214.647.5023.30A117.8012.3035.70A216.9412.4039.60G117.8315.5055.60G218.0318.4059.70A person wanting a 15 % annual return would take into consideration what funds averaged 15 % and over. The average will not guarantee that you will make the 15 % every year, it is only reflects how well you will do in the good and the bad years combined. The return for the S P over the same time period was an average of 16.15 % with a range of 34.8 and a STD of 11.38. The Capitol Market Index was an average of 14.28 % with a range of 27.6 and a STD of 8.29. By removing any funds with an average that fell below the Standards Poor’s, and Capitol Market Index, this would narrow it down to funds that didas well as the market or better. The funds that fit this requirement are M1, A1, A2, B1, G1, and G2. We no w would want to look at the range and STD. Data varies dramatically, one range almost 60 points. In this data set the riskier funds have a greater range of values, since the ranges may have been caused by an isolated year that was good or bad. By removing any funds with a high range and standard deviation we can narrow the selection down to M1, A1, and A2. By reading the prospectus for these funds, will help to narrow it down even further. The Z tables can now be used, but it must first be calculated. The equation to use for calculating the Z is:Xi X / STD = Z By calculating the Z, and assuming a normal distribution, the Z tables are used to find the percentage of time the funds fell below 15 %. The following calculations are for the remaining funds:M1:15–15.43 / 8.8 = Z = -.05Table percentage is 48.01% A1:15-17.80 / 12.3 = Z = -.31Table percentage is 37.83 %A2:15-16.94. / 12.4 = Z = -.24Table percentage is 40.52 %The given calculations show that the return on the selected f unds, returned less than 15 % at least 37.83 % of the time.Data Calculations ResultsTable 1. Returns for Conservative fund one and two 19881989199019911992199319941995199619971998C110.412.818.415.03.08.211.38.013.27.310.7C210.914.024.215.92.58.713.710.217.98.011.6AVGSTDRANGEC110.754.1615.40C212.505.7021.70Graph 1. Returns for Conservative fund one and twoTable 2. Returns for Secure fund one and two19881989199019911992199319941995199619971998S118.210.223.718.97.812.023.04.421.28.08.2S216.39.327.819.10.512.815.31.427.92.713.1AVGSTDRANGES114.156.9719.30S213.309.5027.40Graph 2. Returns for Secure fund one and twoTable 3. Returns for Moderate fund one and two19881989199019911992199319941995199619971998M114.510.029.723.211.616.019.70.829.57.67.5M221.914.427.217.66.415.728.24.527.66.64.5AVGSTDRANGEM115.438.8728.90M212.5021.7023.70Graph 3. Returns for Moderate fund one and twoTable 4. Returns for Balanced fund one and two19881989199019911992199319941995199619971998B129.29.224.717.32.321.822 .81.420.87.77.5B221.58.923.213.27.812.724.82.325.69.211.9AVGSTDRANGEB114.979.2027.80B214.647.5023.30Graph 4. Returns for Balanced fund one and twoTable 5. Returns for Ambitious fund one and two19881989199019911992199319941995199619971998A136.26.332.411.82.914.722.93.538.610.815.8A227.32.633.514.73.415.132.8-6.124.113.825.2AVGSTDRANGEA117.8012.3035.70A216.9412.4039.60Graph 5. Returns for Ambitious fund one and twoTable 6. Returns for Aggressive fund one and two19881989199019911992199319941995199619971998G123.77.633.425.85.513.328.66.951.54.0-4.1G222.30.338.319.76.014.137.0-2.157.66.4-1.2AVGSTDRANGEG117.8315.555.6G218.0318.459.7Graph 6. Returns for Aggressive fund one and twoCONCLUSIONS AND RECOMMENDATIONSThe percentages from the calculations show that of the funds selected, only three from the original 12 would meet the requirement of 15 % percent a year. It also showed that they would fail to meet the expected return, at least 37.83% of the time sometimes more. The overall return sh ould be up to the individual and to ensure continual growth of a portfolio, a person should meet the expected return at least 80 % of the time. By evaluating each fund using some of these methods will help a person make an informed decision. The use of statistics can help evaluate overall performance of funds. This in turn will help you make more informed decisions with your investments, to build the future that you want. Always remember to pay yourself something first, and control your money, don’t let your money control you.

Night Terrors Essays - Psychiatric Diagnosis, Sleep Disorders

Night Terrors Night Terrors Night terrors are relatively common occurrence that appears mostly in young children typically between the ages of three and five year olds. A night terror usually occurs after the child goes to bed. Night terrors can be hereditary. If you or your spouse had them as a young child, most likely your child will get them too. Night Terrors are not harming to your child. It is best if they just sleep through it because when they wake up it is likley for them to not remember a thing about it. (http://www.kidshealth.org/parent/behavior/nightter.htm.) A night terror is not the same thing as a nightmare. Nightmares occur during the dream phase of sleep known as the REM sleep. A nightmare will frighten the child who will wake up and tell you all about it. A night terror will occur after 90 minutes after the child goes to sleep. In a night terror the persons eyes can be wide open and will still be a sleep. When the child does wake up from the night terror they cant usually explain what happened. However some can remember the whole thing and some can remember portions of it.(http/www2.micro-net.com.) Some symptoms and facts of night terrors are screaming, sweating, confusion, rapid heart rate, unable to explain what happened. FACTS OF NIGHT TERRORS run in families are not dangerous can last 10-2o minutes Can happen at any age 6months to 100 years old. Why does your child have night terrors? Fatigue and psychological stress may also play roles in their occurrence. Its important that your child gets plenty of rest. Beware of things that may be upsetting to you child. Try to cut down the stress that your child will be having. The night terror usually occurs at the same time everynight. Doctors suggest that you wake up your child 30-minutes before the night terror usually happens. Have your child talk to you. Keep her talking for at least five minutes. Then let her go back to sleep. Night terrors are frightening but not harmful.(http.www.kids health.prg/parent/behavior/nightter.html) Doctors say that its best for you to let the episode run its course. Skating your child up and Screaming at them will only make them agitated more. You should always worhouse guests, babysitters family members of the problem so no one gets frighten. There is really no cure for night Terrors or nightmares. Just always remember let then rub there course your child can not be harmed for them. Allow yourself to be available when they wake up to listen or comfort them. Psychology

Best Writing Blogs for Aspiring Authors

Best Writing Blogs for Aspiring Authors If youre an aspiring author, you dont have to fly solo. Even if you cant yet afford an agent, coach, or degree, you can find plenty of helpful resources on the Internet. The following websites will help you improve your writing skills, teach you more about your favourite genre, and give you the publishing tips you need to succeed. Write to Done: Unmissable Articles on Writing Write to Done is a collection of helpful articles for writers in all disciplines, from marketing to fiction. If you have a question related to writing, youll most likely find an answer here. Whether you want to learn how to cope with criticism, improve your grammar, generate titles, or write an entire novel, youll get that information here. writetodone.com Daily Writing Tips If the technical aspects of writing plague you, check in at Daily Writing Tips. A sort of online style guide, DWT is run by a team of editors and writers. These professionals publish an article every day on grammar, punctuation, vocabulary, spelling, and general usage and style. Trying to figure out if you need to hyphenate a term or swap your semicolon for a colon? You can look here. dailywritingtips.com Advice to Writers: Writerly Wisdom of the Ages Advice to Writers is the companion site to Advice to Writers: A Compendium of Quotes, Anecdotes, and Writerly Wisdom from a Dazzling Array of Literary Lights. This book was authored by Jon Winokur, a prolific writer who assisted Burt Reynolds and James Garner with their memoirs. The homepage of the site features inspirational quotes from fellow writers. Youll also find links to resources of all types, including dictionaries, interviews with famous authors, other blogs, podcasts, and much more. advicetowriters.com Writers Digest: Write Better, Get Published This comprehensive site offers a number of tools for aspiring authors: competitions, workshops, tutorials, webinars, articles, writing prompts, and links to professionals such as agents and manuscript reviewers. You can also subscribe to the weekly newsletter or frequent the forums and exchange ideas with your peers. writersdigest.com Writers Relief: Authors Submission Service This site is designed for those writers who dont want to be businesspeople. Focus on your craft, and then turn it over to Writers Relief. The staff will generate query letters, proofread your work, submit manuscripts to publishers, track responses, and much more. Choose from one of the multifaceted service plans, and get back to what you do best. writersrelief.com Short Story Flash Fiction Society The Short Story Flash Fiction Society focuses exclusively on brief fiction. On this site, youll find everything you want or need regarding short stories and flash fiction: information on both types of writing, free stories to read, writing contests, guest posts, helpful videos, and a shop offering inexpensive resources to help you write. shortstoryflashfictionsociety.com Romance University: R U Ready? If youve always dreamed of writing the next great Harlequin romance, then Romance University is for you. This site is tailored exclusively to authors of love stories, from the innocent to the erotic. The groups mission is to empower writers, entertain readers, and understand men. (Even if youre not into the romance genre, that last item might be worth checking out!) romanceuniversity.org Science Fiction Fantasy Writers of America SFWA is a professional organization for authors of science fiction, fantasy and related genres. Esteemed past members include Isaac Asimov, Anne McCaffrey, Ray Bradbury, and Andre Norton. The sites own description says it all. Here, you can browse through various blogs and resources, and discover more about various genre awards. Become a member and reap even more benefits. sfwa.org Fantasy Authors Handbook: Advice for Authors of Science Fiction Fantasy Fantasy Authors Handbook is a site that offers a number of helpful posts on the technical aspects of writing your fantasy book. Youll learn how to make the most of Microsoft Word and how to use index cards to outline your story. You can also check out tutorials, links to other sites, and a number of related resources. So stop fantasizing about becoming a renowned writer, and use this site to embark on your journey to authorhood. fantasyhandbook.wordpress.com The Official Blog of the Society of Childrens Book Writers and Illustrators If writing little stories for little people is your calling, dont miss this site. Geared toward childrens literature specialists, the SCBWI blog contains a number of posts by different experts, all aimed at helping you produce high-quality reading materials for youngsters. scbwi.blogspot.com The Internet has made it easier than ever for people to write professionally; however, that fact might be overwhelming to you. With so much information available online, and so much competition, it may be difficult to know where to start. Pick the site that speaks to you and start reading. Youll soon be motivated to make your dream come true.

Directions in the Word document Essay Example | Topics and Well Written Essays - 500 words

Directions in the Word document - Essay Example hinese made them get a lot of rebellion from the white labor unions because they got a lot of publicity from the media, as well as claims that they were taking most of the money which would rather go the other races. There was the massacre of the Chinese due to a woman dispute between the Chinese and a white man in an effort to send the Chinese packing back to China (Gregory 56). Since the gold rush era, there has been population growth in California due to many immigrants from China and its states especially Vietnam. Many Chinese is in Orange County than other counties. There has been a 35.2% rise in number of Chinese entering California. Many critics say it is an invasion, because the population of China is overwhelming thus they have to settle the population elsewhere. The Chinese provides high skills in technological industry especially engineers and programmers. According to the media, California has taken a turn from an entry port to a final destination for Vietnamese who take refuge in America. The spillover of Chinese has been due to the Chinese War and the Tsunamis that are prone in China thus most come as refugees. Considering California, the market thus, taken over by the Chinese who come as immigrants and then due to their hard work and marketing strategies they take the market by storm. Surprisingly, the Chinese settlers have taken effort and ra n for offices without fear of racial discrimination; there sophistication has come with time (Starr 67). The California legislator’s insistence that they should apologize for the treatment that the Chinese immigrants got from the Gold Rush era, many have gotten the encouragement to settle in America. The support that they get from the government is due to their hard work and determination thus able to adapt in America. The Chinese have been able to adapt because though there are high taxes on their commodities, they oblige to pay thus are able to hold jobs and own property while paying their taxes without

W4A 590 Whole Foods Case Study Essay Example | Topics and Well Written Essays - 500 words

W4A 590 Whole Foods Case Study - Essay Example ers especially their leaders need continuous training so that they could interact in a friendly, cooperative manner, think more logically and encourage participation in decision making process. At Whole Foods, employees are empowered to make their own decision and set goals for themselves. Freibergs mentions that they need to be very friends and possess strong product knowledge because every employee has to assist the store manager in taking important decisions in various areas. An employee’s mind and judgmental skills have to be sharp because whenever a new candidate is hired, the team member has to be take part in the interview process and his say regarding the candidate’s potential is given weightage. The sales associates are required to possess strong communication skills because they are the one who deals with the customers on one to one basis and are highly responsible for communicating the image of Whole Foods. Which of the motivational practices are emphasized by Whole Foods in its management system? Tying rewards to performance? Designing enriched jobs? Providing feedback? Clarifying expectations and goals? All of these? The employees’ turnover at Whole Foods is very low as compared to other grocery stores because here the employees feel motivated and energetic towards achieving the organizational goals. Firstly, the employees are given attractions such as sound compensation and bonuses for teams that perform well. Their goals and expectations are simplified such that each employees understands that his responsibility in the decision making and new candidate’s selection. The company has clearly communicated its eight core values to its employees so that they could easily set up their goals in line with these values (Whole Foods, 2015) The demand control model entails the assumption that occupational stress occurs when the demand of job is high as compared to the decision latitude. The second model of effort reward suggests that a person is able

Observation Narrative Essay Example for Free

Observation Narrative Essay Days of Old When Knights Were Bold Growing up, I was never that girl that fantasized about becoming a princess and meeting that special prince that would sweep me off my feet and save me from all misery. Even sorcery books such as the Harry Potter series did not appeal to me. I did not believe in any of that quirky fantasy land stuff so the idea of being dragged to the Michigan Renaissance Festival with my family over Labor Day weekend did not appeal to me; I would have much rather been out having fun in the sun barbequing with friends just as any other American typically celebrates the holiday. Staring out the car window all I saw was cornfields and the occasional Ma and Pa family owned restaurant or ice cream parlor. Mt. Holly came into view a little further down the road, but the slopes were dry and scarce due to it being summer. Tucked behind all the forestation was a small fairground where police orderly directed cars into the lot. The parking lot, overwhelmingly large in size, branched in two directions. One led to a general area and the other took cars single file down a long and winding path. This brought butterflies to my stomach. License plates were country wide varying from fellow Michiganders to visiting guests from neighboring states such as Indiana and Ohio and some traveling from as far away as Florida or Kansas. Once we secured our designated spot and our legs were fully stretched after sitting stationary for the hour drive we merged with the herd of people and marched together through the forest to discover this new unknown world. The walk was a journey in itself. The weeds in the wasteland of the parking lot stood knee high and tickled my leg with every movement. There appeared to be no end in sight as it was at least a mile long containing various obstacles such as logs barricading the path and bridges. Surprisingly there were no mosquitoes but the sound of the crickets chirping and the leaves crinkling all echoed loudly. I so badly wanted to turn around and hike back to the car but as I got closer I could catch glimpses of the festivities through bare spots between branches and heard ear piercing screeches and rowdy whistles along with bursts exiting out the tall vintage buildings. This shot my curiosity level through the roof and the excitement continued to build. The path had ended and before my eyes was a new world; something I had only seen before in movies. The spirit of the festival had overtaken my  body and the feeling was enchanting. Giant castles awaited me along with colorful flags and banners streamed over the entrance with cheerful greetings labeled, â€Å"Huzzah!† I was suddenly willing to give this all a chance and I had a new frame of mind that was open to adventure. Walking in those front gates was a lot to take in and represented a totally new side of the social spectrum when compared to a normal festival. People were dressed in a wide range of attire and it was hard to differentiate the workers from the tourists. The main clue was that tourists casually walked around grinning whereas the staff tended to get fully into character by perfecting their accent. Each got the chance to live out a life they had always dreamt of through roll play and step outside their comfort zone without being judged. There were fair maidens, juggling court jesters, wizards, elves, and fairies. All fantasy elements were covered and all of this contributed to the illusion of taking a step back and reliving medieval times. Coming from a family of macho men it was absurd to see a men proudly sporting kilts along with boots accented with bells that jingled with every step creating a musical tune of its own. Even more shocking was the fact that they all had a strong family support system lined up behind them all dressed matching in theme as well. It seemed that the more eccentric the outfit, the better. Long velvet capes with matching feathered hats or flowery garland in the women’s hair were also common while others dressed as mystical animals and pranced around with tails and ears. These costumes were all things that I would never be caught dead in but after a while strangely enough, we all blended together. There was an aroma of sweat due to everyone dressed in multiple layers but no one seemed to mind as it was a mere part of the ambiance as back in the Renaissance Period people did not shower for days. There was a plethora of patrons however that attended dressed in causal street clothes that sought a gratifying day out with friends and family but even they got sucked into the spirit of things and unexpectedly started curtseying and using the language. Dressing in garb expressed the true rapture of upgrading from being a patron to now a participant. This event catered to all ages. Fairy Godmothers rested on stones along the pathway making them readily approachable and eager to share their tales with anyone willing to listen. Their voices were so soft spoken it was impossible for anyone to simply pass by. Street peasants welcomed on goers  into their dancing circle as they chanted traditional hymns. I have never been much of a dancer due to my lack of rhythm but I must say once they got me started with the basics I refused to stop and entirely forgot others were watching. The petting zoo provided a wonderful hands on experience featuring encounters with livestock as well as other exotic animals such as lion cubs, kangaroos and toucans that could be bottle fed if you wished to do so. The king set aside a playscape for the kids to interact, swing and slide but also had other ways to test one’s knightly skills. The bungee jump seemed to draw the most attention but the archery, king of the log challenge and axe throws did not fall short in interest. Little girls had the chance to learn proper waves, curtsies and poise through a boot camp run by the village Princesses themselves. The Mermaid Lagoon was a disappointment in my opinion. After patiently waiting in a line for over thirty minutes I expected to see a luxurious area with mermaids whose tails sparkled elegantly in the sunlight, when in reality all it turned out to be was one girl in a cheesy costume floating in a dunk tank. On the flip side there was a wonderful replica wooden horse hung between two massive oak trees that allowed kids to race down full speed to master the art of ring spearing just as they had seen the real knights do out on the playing field at the nearby arena. The smiles on the children’s faces were contagious and it was a continuous chain reaction of happiness that spread rapidly. The adults had just as many activities to keep busy as well. Throughout the day various competitions were held to win bragging rights and often at times, gold chalices. Some of these included beard competitions where one could show off his whiskers and have the chance to win in the following catego ries: longest, thickest, most unique, and best overall. Part of me felt as if the cast and crew of the reality television series Duck Dynasty should have guest appeared at the ceremony to distribute the prizes but my wish fell short. The tattoo contest was run in the same manner but instead with the categories being: best black and grey tattoo, best color tattoo, best overall, and worst overall. I was amazed to see that the male to female contestant ratio was relatively close to equal. To continue the friendly competitions, in one of the main colorful tents was a Root Beer belching competition that some competitors were proudly capable of rumbling the stage. It was impressive yet disturbing all in one. Good sportsmanship was  well displayed and no one took the loss to heart by sincerely congratulating the winners. The objective of the Pub Crawl was to drink one beer at each of the four stations while led by entertainers to keep the atmosphere cool, calm, and relaxed. Upon the departure from each bar, fairies would splatter glow paint on one’s chest. The streets were flooded with an abundance of vendors ranging from apparel and candles, to plants and paintings. This is how most vendors earned a living so without surprise, they pushed their products diligently. Unfamiliar musical instruments such as bird whistles and bongos brought a new sense of relaxation as I closed my eyes and let my mind take me elsewhere. I was utterly fascinated with the number of people willing to pay for palm reading to uncover different aspects of future life including successes and love. Superstitions were more common than I thought. As some would say, there is no harm in jumping on the bandwagon every once in a while. With that being said, a hookah station was set up encouraging tourists to take a break and get a little weird. Men dressed in puffy shirts and flared out pantaloons walked around carrying large, woven baskets overhead selling flowers to all the fair maidens. All were very well mannered and charming. The patrons were invited to participate in the annual fairy house competition in which the top three winners received awards for their hard work and creativity. The rules advised artists to make durable houses that could withstand any weather using entirely natural materials and furnishing the inside and outdoor with landscape. Out in the open area stood two actors that mastered the art of pretending to be a statue and were covered head to toe in grey body paint. Their movements were slow and swift as they changed poses to be photographed by on goers. My dad was the only one to spot the man standing in a pot to look like a shrub while the rest of us nonchalantly walked by completely oblivious to such a phenomenon. In this man’s case, he could join in the fun but also camouflage his true identity. The festival as a whole is made up of hundreds of very diverse and multi-talented entertainers that never fail to please and in most circumstances is what keeps people coming back year after year. There is always a show going on ranging from group or stand-alone comedians to singers and quartets greeting newcomers at the welcome gate. A group of the finest acrobats were selected to show off their coordination and extraordinary balance doing tricks requested by audience members. A  costumed human chess game took place behind the jousting arena and was played using actors instead of volunteers to bring out true combat when one tried to take ou t another piece. With this new twist whoever won the choreographed fight earned the right to the spot on the game board. The captain and his fellow ship mates auctioned off one of a kind items from his pirate ship. Here, buyers could purchase things such as swords and daggers at extremely low prices. Zoltan the Adequate was another street entertainer that did anything to please his audience. He did bizarre tricks such a balloon swallowing to fire eating to nearly severing his own arm. As one would assume young children would be the easiest to deceive although Zoltan was able to keep all age groups tuned in with his sense of danger, excitement and edgy interactive magic. An unsuspected audience member was selected to assist him in a few tricks and that individual coincidentally turned out to be my mother. My mother is very shy and certainly does not like being the center of attention so we were dumbfounded that she did not object or throw a tantrum about going on stage. She faced her fears and as result, all we heard for the remainder of the afternoon was how we should be proud of her. The most attended event of the day included the heart stopping jousting tournament which had trained professionals of this skill that were willing to fight to their death to win the honor and respect of their town’s people. I really liked the concept of this because nowadays it is no t as common to find gentlemen of this caliber. Back then, men were raised to be chivalrous towards women and the less fortunate, strongly serve God and do their King proud. Each knight and their noble horse were fancily clothed and color coordinated all promising to use the strength in their hearts to ride their opponents to the dirt. As in any highly competitive sporting event, both the crowd and the contestants heckled one another and at times, I would witness the crowd unite as one as we raised up our drinks and roared together with great enthusiasm. These knights did just as they had promised and played with blood, sweat, grace, and complete dedication never losing focus. The three main events were the warm up which consisted of squires holding the rings and after a few run-throughs, actually tossing them into the air as the knights rode by spearing them. Then proceeded with the joust face off which was quite physical being that the one knight intentionally knocked an opponent off resulting in an injury that sought  immediate medical attention. By the end of the joust all four knights hobbled their way to center stage to face each other one last t ime in a traditional sword fight. A little girl from the sidelines managed to escape her mother’s arms and ran out to an injured knight and healed him with a kiss on the cheek. The show shortly wrapped up after that and the barriers of the different cheering sections vanished as the knights mingled with the crowd and allowed the young children to pet their steed. The royal tavern had an endless array of food that would easily satisfy the heartiest of appetites. From savory turkey legs and Barbarian burgers to deep fried desserts and apple dumplings, there were plenty of options to choose from. The portion sizes were generous for the prices being so reasonable. Most things served to eat came on a stick whether it was hot pickles, which were conveniently sold at every street corner or frozen bananas and cheesecake. Table manners and common eating etiquette did not apply at the festival hence why they did not supply utensils or napkins. In fact, the most lady-like way of eating the authentic turkey leg was to take two fingers and rip off pieces. Most importantly, there was plenty of beer to wash it all down and for the nonalcoholic attendees; sodas, smoothies and other beverages were sold. Stepping out of one’s comfort zone opens a whole new world filled with opportunity and adventure. The biggest setback for exploring something new is fearing what others will say or think. The people involved with this festival clearly did not care abo ut any of that and it was enjoyable to see and appreciate their colorful imaginations. I gained a lot from this experience because going in, I had no clue what to expect it created an exhilarating suspense. I learned that is completely acceptable to be silly to whatever extent and people often tend to respect you more for it because you are willing to take that risk of resisting society’s norm.

The Application Of Orff Music Pedagogy Education Essay

The Application Of Orff Music Pedagogy Education Essay There are a number of reasons that the Orff Music Pedagogy has been chosen on the topic of this essay. The basic issue at present in China is entrenched pattern of music education that means the Chinese music experts and teachers do not accept the new concepts of music pedagogy, instead of that, they still employed the traditional music pedagogy owning to the personality of the Chinese. Therefore, there are some problems, such as students lack creativity, the low teaching quality and the low quality of students. After 20th century, with the rapid development of music education in China, majority Chinese music educators pay attention on the music teaching. The Chinese teaching content and teaching method urgently should be reformed. Orff Music Pedagogy might be the appropriate music pedagogy to change the current situation in China. In the later part of this essay, I will discuss the positive and negative of Orff Music Pedagogy in order to retain the strengths and discard the weakness to apply this music pedagogy to Chinese music pedagogy. This essay will discuss two sides of Orff Music Pedagogy. For one aspect, this essay will evaluate of the advantages of applying the Orff Music Pedagogy in Chinese primary schools, which includes the effective stimulation and the improvement on Childrens creativity and personal quality, the Asia culture might be proved to be suitable, the benefits on Chinese music education. For another aspect, the disadvantages containing the obstacle of culture difference, the problem of insufficient equipments available in China will also be taken into consideration. Before moving on, the background to Orffs method will be outlined. Dr. Carl Orff, the distinguished German composer, who is also the founder of Orff Music Pedagogy, met Dorothee Guenther in Munich, 1924 and originated the scheme of a new kind of rhythmical education. Dr. Carl Orff (1983) explained that this idea regarding the interaction and interpretation between movement and music education was then be plotted and practiced since that time. The notion of Orff Music Pedagogy, also known as the Orff Schulwerk approach, can be concluded as the implementation of combining music, movement, drama, and speech into the classrooms of children music education, creating a relaxed environment and atmosphere that are similar to the childrens world. The Orffs approach to music education has numerous advantages to children, but suffice it to say that the leading advantage is that it demands the innovation of the teachers and involves all sensory dimensions such as virtual, physical, and aural asp ect of the children during their learning process. The positive effects of applying Orff Music Pedagogy can be viewed from the following aspects. Firstly, Orff Schulwerk Music Pedagogy, which confers a favorable learning environment, can provide children with much more creativity, in their music education, than traditional teaching methods. In Music Pedagogy, music is a means to teach a man become a talent and because Orffs method has the very advantage to teach efficiently, Orff Schulwerk should be widely used in China (Dr. Clausel S.L.S. 1998). In Dr. S.L.S. Clausels article (1998), he pointed out that Orff-Schulwerk Music Method is effective in teaching children music especially when using Orff approach to create an interactive environment with other peers. In this case, the quality of the students could then be improved. Additionally, as the nature of Orff Music Pedagogy is innovative and interactive, stated by Dr. Brock in 1977, this practice could largely enable the primary school focus more on the esthetic aspect. In fact, whe n applying the Orff Music Pedagogy to the classes, esthetic features must be the kernel, for the approach requires the involvement of various sensory organs so that children can do dancing, clapping and singing. Moreover, the innovation and creativity can be promoted during the learning process with Orffs approach. In addition, Clausel suggested that Orff method is suitable for an Asia culture because it can provide a relaxed environment for children in order to widen childrens interest, arousing innovative ideas and improving the students quality, which has nothing to do with cultures. Nowadays, many problems exist in Chinese music teaching, for instance, students lack the interest of learning music. Orff Schulwerk is an efficient way to change that situation, since it is a method that can stimulate students interest regardless its culture. There is an example in Japan. Dr. Carl Orff himself mentioned in his speech (25th October 1983) that the Japanese children were responding to his approach spontaneously and teachers had become open-minded. Researched and studied in Japan in 1962, Dr. Carl Orff, the initiator of the Orff Music Pedagogy, was able to witness how compatibly and naturally his ideas are adapted and applicable to an Eastern culture. If the music educator could take a step forward, Japanese children could get accustomed and be effectively educated by Orffs approach. Therefore Chinese children who share similar cultures with the Japanese should likewise be absorbed the music knowledge effectively. Furthermore, even though the current music education in China is confronting a number of obstacles and problems, they can be conquered by introducing the Orff Music Pedagogy to China. A recent article composed by Ding (2006) pointed out the difficulties of the music education in contemporary China and they are: the unclear positioning of music education, the overlook of the esthetic aspect and the poor quality of teachers and students. The localization of the music education is not in the control of the teachers but the emphasis of the esthetic practice and the quality of the teachers could be improved by the application of Orffs approach. As a whole, this should be significant as Orff Music Pedagogy fundamentally surmounts two or three barriers in Chinese music education that China is facing in the modern world. Despite of the fact that the Orff Music Pedagogy has been used worldwide, there are still some difficulties of applying this westernized methodology of music teaching to Chinese primary schools because of the intractable cultural customs and language difference. Burnaby and Sun (Jun., 1989) have revealed a number of problems in their article when applying the western teaching methods to the Chinese education. They have put forward a variety of linguistic problems that the Chinese students are facing and some Western teaching styles are only applicable to a particular range of students in China. According to what Burnaby and Sun have researched, the Orff Music Pedagogy, which is a German music education approach, might not be feasible or less efficient if applied to China. At the same time, the research that Burnaby and Sun have done was mainly concentrated on language teaching and the Orffs notion is about music educating. Hence, it could make a difference when education is in the re alm of music as music is beyond the nations and languages. Besides, the sizes of the primary school classes in China and the availability of certain instruments and equipments are the most significant disadvantages when applying the Orff Music Pedagogy to China. On the one hand, the average size of a class for primary schools in China is around sixty and it has been criticized because there are little or no interactions between the teachers and the students. Its the same when music education is being conducted in Chinese primary schools. As it is mentioned before, the Orff Music Pedagogy will require a great deal of teacher-student interactions and tremendous size of the class will make the approach hard to implement. On the other hand, there are insufficient equipments provided in the Chinese schools as mentioned by Hamilton and Hilree J. (2005) in his article. It is evident that without professional instruments and teaching tools, Orff Music Pedagogy cannot be carried out in an efficient way or even unable to proceed at all. Thus, short-te rm speaking, the changes of this condition which involves training teachers, minimizing class size and purchasing equipments should take a long time and huge amount of financial funds, which is actually the disadvantage of applying this approach. Nevertheless, the situation of having insufficient resources should be better in the future time, for the Chinese economy is booming and financial funds allocated on education are increasing. Based on Dings (2006) perspective and for long-term consideration, the size of the classes in China could be smaller and schools could be better equipped, making the application of Orff Music Pedagogy more apposite and feasible, which will benefit the Chinese children in the primary schools invaluably in terms of music education. In conclusion, the application of Orff Music Pedagogy in Chinese primary schools has greater amount of advantages than the disadvantages. In simple language, Orff Schulwerk Music Pedagogy is conducive to Chinese primary school because it is a good method for cultivating students, besides that, it could motivate childrens interests and creativity effectively and most importantly this method could benefit Chinese music education in future times. However, owning to a kind of western musical pedagogies, Orff music approach may be not completely suitable for the current music education in China due to the limitation of resources and culture difference. Most significantly, the advantages are more crucial and vital comparing to the disadvantages as discussed above because those barriers and obstacles such as lack of fund and resources have solutions. Short-term speaking, there might be more disadvantages and less benefits. Nevertheless, to a long-term consideration, the application of Orff Music Pedagogy in Chinese primary schools could have a far-reaching effect to the Chinese music education system and that influence tends to be positive. One cannot underestimate this influence as it could benefit millions and millions of Chinese young children and the creativity arouse by Orff Music Pedagogy in the primary schools may lead a Chinese young child to compose his own masterpiece and become predominant in the future. All in all, the application of Orff Music Pedagogy can be both a lens through which we can see the future of Chinese primary music education and a mirror reflecting its unparalleled teaching notion and well-developed methods. References List: Burnaby, B. Sun, Y. L. (1989). Chinese Teachers Views of Western Language Teaching: Context Informs Paradigms, TESOL Quarterly, 23(2), 219-238. Brock, (1977), Innovative music education: an investigation and comparison of the teaching methods of Carl Orff, Zoltan Kodaly, and Madeleine Carabo-Cone, (OCLCs Experimental Thesis, University of Mississippi, 1977). Retrieved from Carl, O. (1983, October). Orff-Schulwerk Past and Future. Paper present at the opening of the Orff Institute in Salzburg. Published by Schotts, B, The translation is by Murray,M. Clausel, S.L.S. ( n.d). Applications of Cambornes model of literacy learning and the Orff-Schulwerk Music method to the development of a curriculum model for Mississippi music education, The University of Mississippi. Ding, M. M. (2006). The development and the reform of the music education in China since1980. (Master dissertation, University of Wuhan Conservatory of music, 2006). Retrieved from Hamilton, Hilree, J. (2005). Echos from a Teaching Adventure in China. Teaching music, 13(2), 24.

Nen perfoming loan in banks

Banks exist to provide financial Intermediation services while at the same time endeavor to maximize profit & share holders value. Availing credit to borrowers is one means by which banks maximize their profit. Loans are the dominant asset & represent 50-75 percent of total amount of most banks, generate the largest share of operating Income & represent the banks greater risk exposure (Mac Donald & Koch, 2006). Managing loan in a proper way is not only has a positive effect on the banks performance but on borrowers firms and the country as a whole.Failure to manage moans, which make up the largest share of banks assets, would likely lead to the episode of high level of NP. According to MIFF (MIFF, 2009), a non performing loan is any loan which interest and principal payments are more than 90 days over due ; or more than 90 days worth of interest has been refinanced. Under the Ethiopians banking business directives (N.B., 2008), non performing loans are defined as â€Å"Loans and Adv ances whose credit quality has deteriorated such that full collection of principal and/or interest in accordance with the contractual repayment of term loans or advances in question†.Theoretically, there are so many reasons why loans fail to perform. Some of this includes, depressed economic conditions, high real Interest rate, Inflation, lenient terms of credit, high credit growth & risk appetite and poor credit monitoring are among the others. Forestall (2002) categorize non performing loans to bank specific and macro economic conditions. Accordingly, this study is focused on assessing factors that contributed for nonperforming loans of Awash International Bank mainly targeting on bank specific determinants of non performing loans. 1. 2 Statement of the problemAn efficient and well functioning of financial sector is essential for the development of any economy. Loan qualities are one of the indicators of financial sectors soundness. A sound financial system among other thing s requires maintenance of low non performing loans. In Ethiopians context. The banks In the country are required to maintain ratio of their non performing loans below five percent (N.B., 2008). The data obtained from the 2011/12 & 2012/13 annual progress report of BIB shows that the ratio of non performing loan of the bank was below the threshold for both years.Despite the fact, the non performing loan of the bank was Increased from Birr 98 million in 201 1/12 to Birr 1 77 million in 2012/13, showing an increments of Birr 108. 9 million (104%). Similarly, the bank's non performing loan ratio was increased from 1. 9% to 2. 8% during the same period. Even, this ratio was above ten percent in some branches of BIB. This fact raises the issue of what causes this non performing loan Increment. Accordingly, two research questions were drawn to investigate this Issue. What does the tends of loans and NP looks like in BIB? Defaulted? What are the main causes for these defaulted loans? 3 Obje ctives of the Study The general objective of the study is to review the non performing loan of BIB and to identify its causes. Side by side, the study was assessed the following issues. Reviewed Loans & NP trends of BIB? 0 Indemnify which loan category, loan purpose & economic sectors more defaulted. Searched the main causes of NP in BIB in general & identify those branches that were highly contributed for this NP. Assessed the credit assessment & follow up practice of other commercial banks. 0 Recommended some remedial actions to be taken to reduce these non performing loans. 1. 4. MethodologyResearch Design: A sample survey was carried out to seek the characteristics of defaulted loan files and to identify likely causes for their loan default. Survey Population: 25- Branches were recorded NP as of June 30, 2013, comprising about 74 defaulted loan files. Sampling Design: Using random sampling method, seventeen branches and 43 defaulted loan files were taken for this study purpose. Table 1. 1: NP Recorded Branches Profile Branches Total NP recorded branches Sampled NP Branches % GE Responded branches Total NP files Sampled NP files % city 119 829 31 21 68 outlying 148 578 432251 Total 25 176017744358Data Sources: To achieve the stated objective, both primary and secondary data were utilized. The primary data was collected by interviewing Selected Alba's Credit Directorate staffs, Compliance & Risk Management Department staffs that are on supervisory position. Questionnaires were also distributed to selected branches incurred loan default. Secondary data was utilized from various documents of BIB, mainly from Annual progress report of BIB, credit policies & procedures of the bank, NP action plan report and other related documents.Various published and unpublished literatures were also utilized from different sources grading the subject. Data Analysis & Presentation: After collection, the data was organized, analyzed & interpreted using both quantitative & quali tative descriptive analysis methods mainly tables, percentages, charts & etc. 1. 5 Scope & Limitations of the study Scope of the study The study was reviewed factors that contributed for non performing loan of BIB and it was focus on bank specific determinants of non performing loan.The spectrum of the study, therefore, includes: Examinations of loans & NP of BIB by loan category & individual economic sectors. – An in depth analysis of the loan file characteristics of the defaulted rowers with special reference to their likely causes for their loan default. – An in depth analysis Credit analysis & follow up practice of BIB with special reference to identification of their limitations that contributed for the banks non performing loans. – Suggestions of relevant non performing loan reduction strategies based on The respondents were busy and usually uncooperative.Particularly, some branch managers were unwilling to fill the questionnaire by themselves and order ot her officers to fill the questionnaire. As a result, the researcher had called phone many times to branches before getting a fulfilled questionnaire. In addition it was difficult to obtain some of the required data's from credit directorates since some of the data's were not compiled properly and regularly. Similarly, it was difficult to get the defaulted borrowers' to conduct interview with them to know their likely causes of loan default.Accordingly, the researcher was forced to see the likely causes of their loan default from the analysis of their loan files and interview conducted with staff members. Despite this limitation, the result of the research provided a meaningful basis for filling the gap and made recommendations that can be used by the management to improve performance of loan portfolio in BIB. 2. Literature Review 2. 1 Theoretical Review of Non- Performing Loans Loans and advances are the most profitable of all the assets of a bank. These assets constitute the primar y source of income by banks.As a business institution, a bank aims at making a huge profit. Since loans and advances are more profitable than any other assets, it is willing to lend as much of its funds as possible. But banks have to be careful about the safety of such advances. In the words of Dry. Leaf, the banker â€Å"has to tamper liberty with caution. If he is too liberal, he may easily impair his profits by bad debts, and if he is too timed, he may fail to obtain an adequate return on the funds which are confided to him for use. It is by his capacity in lending that a bank manager is Judged. A bank needs to be careful in giving loans as there is a greater risk which follows it in a situation where the loan defaults. Loan loss or defaulted loans puts a bank in a difficult situation especially when they are in greatest amount. Banks gives loans with uncertainty whether they are returned or not though they may hold some security. In assessing any proposal for n advance or a loa n, the banker has to satisfy himself/herself regarding the period for which the advance is required and the prospects of its repayment at the end of the period.He/she should not be carried away by the soundness of the security offered to him/her or the rate of interest. Profitability should be given only a sound consideration. He/she should also satisfy himself [herself about the purpose for which the advance is required. He/she is expected to discriminate against and discourage speculative advances. As a matter of fact most bank failures may be traced to faulty policies in respect of loans and advances. From the point of safety and liquidity, loan and advances are poor assets. The risk mostly ensues when loans become non- performing.Allocating loans has always been one of the central pillars of the banking business. Traditionally this marked the start of a long term relationship with the client, which would continue at least until the maturity of the loan. With the growth of deposi ts, banks are supposed to increase the lending. However, when Non-performing Loans (Naps) are high, the willingness to expand loan reduces. This relationship will be distorted under high NP condition. In any lending recess, there is inherent risk of loans being defaulted which leads to the concept of non- performing loans.The concept of non-performing loans has been defined in performing loans are defined as defaulted loans which banks are unable to profit from. They are loans which cannot be recovered within stipulated time that is governed by the laws of a country. The criterion for identifying non performing loans also varies in Africa. Some countries use quantitative criteria to distinguish between â€Å"good† and â€Å"bad† loans (e. G. , number of days of overdue schedule payments), while others rely on qualitative arms (such as the availability of information about the client's financial status, and perspectives about future payments).However, the Basel II Commi ssion emphasizes the need to evolve toward a standardized and internal rating-based approach. Accordingly, the Basel committee puts non performing loans as loans left unpaid for a period of 90 days. Under the Ethiopians banking business directive, non-performing loans are defined as â€Å"loans or advances whose credit quality has deteriorated such that full collection of principal and/or interest in accordance with the contractual payment terms of the loan or advances in question† It further provides that: . moans or advances with pre established repayment programs are nonperforming when principal and/ or interest is due and uncollected for 90 (ninety) consecutive days or more beyond the scheduled payment date or maturity. In addition to the above mentioned category of non- performing loans, the following are also considered as non- performing.Overdrafts and loans or advances that do not have re-established repayment program shall be non-performing when: – The debt re mains outstanding for 90 (ninety) consecutive days or more beyond the scheduled payment date or maturity; – The debt exceeds the borrower's approved limit for 90 (ninety) consecutive days or more; – Interest is due and uncollected for 90 (ninety) consecutive days and more; or – For the overdrafts, (I) the account has been inactive for 90 (ninety) consecutive days or deposits are insufficient to cover the interest capitalized during 90 (ninety) consecutive days or (it) the account fails to show the following debit balance at least once over 360 days preceding the date of loan review: 1 . 20% of approved limit or less 2. 5 % or less This is in accordance with the Basel rules. If a loan is past due 90 consecutive days, it will be regarded as non- performing.The criteria used in Ethiopians banking business to identify non- performing loan is a quantitative criteria based on the number of days passed from loan being due. 2. 2 Classification of Loans & Advances The Na tional bank of Ethiopia supervision of banking directives classifies loans and advances as follows. Pass loan: loans and advances in this category are fully protected by the current financial and paying capacity of borrower and are not subject to criticism. In general loans and advances, which are fully secured both as to ironical & interest by cash or cash substitutes are classified under this category regardless of past due status or other adverse credit factor. Special Mention: Any loan or advance past due 30 days or more, but less than 90 days is classified under this category.Substandard: Non performing loans or advances past due 90 days or more but less than 180 days is classified under this category. Doubtful: Non classified as doubtful. Loss: Non performing loans or advances past due 360 is classified as loss. As per the directive the provision for impairment losses is determined as follows Loan Category Pass loan Mention Extent of provision required 1% of outstanding loan b alances Special 3% of outstanding loan balances Substandard 20% of the net loan balance Doubtful balance Loss Non-performing Loans 65% of the net loan 100% of net loan balance 2. 3 Causes of Default culture is not a new dimension in the arena of investment. Rather in the present economic structure, it is an established culture.The redundancy of unusual happening becomes so frequent that it seems people prefer to be declared as defaulters. Basically, the non- performing loans are a result of the compromise of the objectivity of credit appraisal and assessment. The problem is aggravated by the weakness in the accounting, disclosure and grant of additional loans. In the assessment of the status of current loans, the borrower's credit worthiness and the market value of collateral are not taken into account thereby rendering it difficult to spot bad loans. The causes for loan default vary in different countries. It extends from borrower's specific act to banks weak regulatory mechanism i n advancing loans and monitoring procedures.Generally, in developing and underdeveloped countries, the reasons for default have a multi dimensional aspect. Various researchers have concluded various reasons for loan default. A. Reduced Attention to Borrowers Few of the loan defaults that make trouble for banks can be blamed on reduced attention to borrowers. Borrowers give better attention to the loans that they borrowed when they have the perception that better attention is given to them. Lending officers of institutions should try to keep up with their loans, visiting the borrower's premises at least once a year or up to a half a dozen times a year on larger loans. Banks rarely lose money solely because the initial decision to lend was wrong.Even where there are greater risks that the banks recognize, they only cause a loss after giving a warning sign. More banks lose money because they do not monitor their borrower's property, and fail to recognize warning signs early enough. Whe n banks fail to give due attention to the borrowers and what they are doing with the money, then they will fail to see the risk of loss. The objective of supervising a loan is to verify, first, whether the basis on which the lending decision was taken continues to hold good. And second whether the loan funds are being properly utilized for the purpose they were granted. . Macroeconomic Instability Macroeconomic stability and banking soundness are inexorably linked.Both economic theory and empirical evidence strongly indicate that instability in the macro economy is associated with instability in banking and financial markets and instability in these sectors is associated with instability in the macro economy. Most problems of poor loan quality faced by banks were compounded by macroeconomic rate also makes loan appraisal more difficult for the bank, because the viability of potential borrowers depends upon unpredictable development in the overall rate of inflation, its individual co mponents, exchange rates and interest rates. Moreover, asset prices are also likely to be highly volatile under such conditions. Hence, the future real value of loan security is also very uncertain.Banks do poorly both when product and asset price inflation accelerate unexpectedly and when inflation decelerates unexpectedly, unemployment increases, and/or aggregate output and income decline unexpectedly. Unexpected accelerations in inflation adversely affect banks that, on average, lend longer term at fixed-rates than they borrow because nominal interest rates will rise more than expected. This will increase their cost of deposits more than their revenues from loans. Decelerations in inflation and, in particular, bursting of asset prices harm banks because the value of their asset collateral is likely to decline below the value of the associated loans and fuel defaults and losses.Indeed, probably the greatest threat to banking stability in almost all countries is increasing asset pr ice. C. Unsound Assessment Mechanism and Weak Risk Consciousness Risk, and the ways, in which it can be identified, quantified and minimized, is key concerns for a banks management and its auditors when they are engendering the need to provide for bad and doubtful loans. No loan is entirely without risk. Every loan, no matter how well it is secured, and no matter who is the borrower, has the potential to generate loss for the lender. It is the degree of risk to which a loan is susceptible and the probability of loss that vary; these should normally be reflected in the interest margin and other terms set at the inception of the loan.A bank, in considering whether to lend or not, takes into account the quality of a borrower which is reflected in, inter alai, its past and projected profit reference, the strength of its balance sheet (for example, capital and liquidity) the nature of and market for its product, economic and political conditions in the country in which it is based, the q uality and stability of its management and its general reputation and standing. It is important for the bank to know the purpose of the loan, to assess its validity and to determine how the funds required for the payment of interest and the repayment of capital will be regenerated. D. Lack of Strict Admittance policies and no active exit Under the influence of idea of pursuing market share excessively, banks do not establish detailed and strict market admittance policies, which undermine the first risk to prevent gate and weaken the orientation effect of admittance policies to market.During pre-loan investigation, some relationship managers put little emphasis on authenticity and integrally review on related materials. They haven't clarified the true intended usage of the loan (especially when extending short-termed credit) and the review is too optimistic, which does not analyze the potential influence of changes in related factors. There is also no deep review on the market, no en ough understanding on enterprises' operation management situation, no horrors risk revaluation; inaccurate assessment, the risk of loans is not fully covered and the risk on group customers and affiliated enterprises are not identified effectively. The factors above damage the loans at the early stage. 2. Debt Recovery Processes interest comprises a banks principal source of revenue, and therefore, of profit. Accordingly, from a banks perspective it is essential that its borrowers keep their contractual commitments and repay interest and capital as scheduled. Defaults are inevitable, but when they occur a bank should take appropriate remedial action, or ailing that, recover the outstanding interest and capital promptly. Ethiopians Banks adopt different ways of recovering non- performing loans. These methods are one or the combination of the following: Settlement – This engages both the lender and the borrower in negotiation to settle through collection of cash.Reschedule/Rene wal – this method is used whenever a bank believes that the Naps can be regulated in favorable terms and conditions through negotiation (term loans) and renewals (overdrafts). This is not without limitation. National Bank Directive No. SUB/43/2008 states a bank shall not reschedule restructure or negotiate worth or medium term loan to a borrower for more than three periods. Before rescheduling, restructuring or renegotiating a short or a medium term loan, a bank shall collect in cash full amount of interest thereof and the following principal amounts: a. A minimum of 25% of outstanding principal balance in case of rescheduling, restructuring or renegotiating for the second time.

Communicate in a business environment Essay

1.1 – The purpose of communication can be given by any means, it could be talking, email, text message, phone call, meeting as a group and notes. But all of these are done for the same reason to resolve a problem, to communicate a problem to others to resolve it or to organize or explain the problem to help other understand the agenda of what you are speaking about or working on. Every person has their own skills and knowledge so by communicating we can help each other learn or explain things to each other by all of the forms of communications mentioned above. There would be no understanding or routine without communication. 1.2 – The reasons for knowing the audience to whom you are speaking to is that if you know them then you can quickly figure out or should already know what way, language or style of writing which should or could be used. The aim is always to get your point, problem or query understood by whomever may be listening, reading or watching. So if it is an individual, group or team or people you know that you may know personally this makes the task at hand so much easier because they will believe you in what you are saying or trying to communicate across in which ever manner which is chosen. They will also understand the language, emotion or attitude you will be using towards them compared to if it was a complete stranger trying to understand you. I will always use whichever way of talking, writing or body language which I think will be the easiest for my selected audience at hand. Read more:  Different reasons why people communicate  essay 1.3 – The different methods of communication are Verbal, Written and non-verbal (Body language). Verbal would be communicating by using my voice to say and tell whatever I may be trying to communicate across to my audience. Written communication would be, sending an email, letter, text message to explain, tell or inform my audience. Non-verbal communication using body language, would be showing with my hands,  eyes or face by using gestures to show and tell. 1.4 – You should always use different methods of communication, for example if you was in a management meeting you would always communicate verbally in a formal manner. For just having a general talk between our editorial team in our desk area we would use informal for talking about the plans for the social media sites for the company, what products should be selected to show up on the company’s daily Facebook updates. Non-verbal would or could be used by sending an emails to someone to add facts, figures or statistic’s or even in a form as a written note. Body language is always used even without us know we are doing it, in any form of communication except sending emails, texts etc.†¦ Body language can tell or show a lot more from the way you hold your self during a public speaking or when at an informal or formal meetings.

buy custom First and Second Amendment essay

buy custom First and Second Amendment essay Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof; or abridging the freedom of speech, or of the press; or the right of the people peaceably to assemble, and to petition the Government for a redress of grievances. (Chips Quinn Scholars, 2011) The above quotation was a part of the first Amendment to the Constitution of the United States of America. The First Amendment came into being because the citizens of the United States of America were uncertain and wanted a guarantee of the basic rights and freedoms. The First Amendment gave the protection of freedom of speech, media, religious rights, and political progress. (Chips Quinn Scholars, 2011) The First Amendment was a medium through which the religious minorities were protected. They could not be prosecuted or oppressed as now it was the governments responsibility to protect them. Also the press was given the possibility of change and was now able to raise the protests or support movements. It also obtained the freedom for political activism. (Chips Quinn Scholars, 2011) The First Amendment guaranteed the rights that the government of the United States of America had forgotten to include in the Constitution. Though there are questions raised on whether this Amendment was significant, nonetheless, it later went on to bring about the Bill of Rights. The Second Amendment comes on as a complete change. The Second Amendment was a medium of much discussion between the people and the government officials. There was a concern in the society relating to the violence and the increasing crime rate. Those which supported gun control began severe opposition against it because according to them this Amendment only led to more trouble for the country. Gun control is one issue which has plagued the history of the United States to much extreme and this Amendment was just the start of what was later to come. On one side there were people who detested the idea of guns used by individuals as this led to the increase in the crime in the society? On the other hand, there were those who believed that owning a gun was an automatic right of the people as it was a tool for self-defence. The Second Amendment reads: A well-regulated Militia, being necessary to the security of a Free State, the right of the people to keep and bear Arms, shall not be infringed. The increasing problems in the country were a reason why the government agreed to pass out this amendment allowing the usage of guns and carrying around them by the individuals for self-protection. However, much of the debate around the Second Amendment is based upon the phrasing of this Amendment. It is this reason why it is considered as a very controversial Amendment. However, there has been much debate relating to the part about firearms in the Second Amendment. Even without considering it there is still much that does not get along well with the masses. In linking the First and Second Amendments, scholars have also connected the dissent-promoting values of each, suggesting that they apparently more than the other amendments are focused on empowering individuals to resist goverrnment oppression. For example, it has been argued that because the Second Amendment, like the First one, is designed to protect dissent regarding gun registration requirements, the assault-weapons ban are unconstitutional. This dissent focused, functionalist account is distinguishable from the leading alternative explanations: self-defence for the Second Amendment, self-actualization for the First. (Blocher, 2009) Gun control has been an important issue in the history of the United States. There have always been arguments for and against it. It was the Second Amendment which gave the first formal decision on this issue. Also the press has the right to publicly right what they believe to be through via sources they need not declare. The Amendments also highlight that there is freedom of religion and therefore, there is no such thing as state religion. Therefore, the First and the Second Amendments were interrelated. They were in agreement with the others in the way that the First Amendment ensured that the people were free and could exercise their rights of freedom of speech and the Second Amendment made sure that they had the means to use it as well. The Second Amendment actually promotes the idea of the First Amendment and reinforces the message put forward by it. This message is that everyone has the right to speak up. If the government tries to oppress the people, then the Second Amendment provides them with the tools to defend themselves. All of this with respect to the gun control movement is extremely significant. To conclude, despite the opposition, these two Amendments went on in History as the first two changes made to the constitution showing that there was really need for them. Buy custom First and Second Amendment essay

Agricultural regionalisation in assam and kerela Essays

Agricultural regionalisation in assam and kerela Essays Agricultural regionalisation in assam and kerela Essay Agricultural regionalisation in assam and kerela Essay This report deals with the three aspects ,namely , the agricultural rationalization ,credit allocation mechanism and the rural-urban disparities within the two states of Assam and kernel. Both the states are predominantly agrarian with almost similar rainfall patterns and topography . Being agrarian in nature agricultural rationalization as well as the credit allocation mechanism play a pivotal role in it. If agriculture stagnates, it will act as a break on industrial expansion and halt real Roth.. But it is obvious that there is hardly any possibility of substantial increase in the area of cultivation Therefore, intensive cultivation and strong credit allocation system that will intern help the farmers to get good seeds ,farm equipments appears to be the only way to boost agriculture Both the states have the same staple crop rice but the variety do vary due to temperature and the rainfall patter in the respective states. Kraal being termed as the ideal state has been growing at the rate of 6. 98% whereas Assam which is considered as an underdeveloped state its economy grew only by 3. % as compared to the 6% growth rate by India . There are various factors responsible for it. In this report we aim to look at the various agricultural issues and disparity . However we would suggest some key measures/ policy prescriptions that need to be taken by the state to more equitable distribution of resources within the regions and sectors of the state. Overview of agriculture in Assam Agriculture in Assam exhibits most of the characteristics of underdeveloped/ backward agriculture, namely, a high dependence on agriculture for livelihood, widespread practice of traditional farming techniques and correspondingly low sage of modern farm inputs, low levels and low growth in productivity and incomes in the sector, widespread prevalence of subsistence cultivation, poor / inadequate agricultural infrastructure, and so on. About 89 per cent of the population in Assam lives in rural areas as per the 1991 Census. About 75 per cent of the states population is directly or indirectly dependent on agriculture, while about 69 per cent of the workforce in the state is actually engaged in agricultural activities. On the other hand, the sectors contribution to the states income has been falling sharply ever time, from nearly 50 per cent in early sass to only about 35 per cent by the end of sass. Though this is natural when economic development occurs, in Assam this has come about despite the slow overall economic growth in the state. Even though the state is richly endowed in natural resources, such as abundant rainfall, alluvial Assam has been slow over the decades. Consequently, the state is not Just lagging behind most others in the country but is unable to meet its own requirements in many agricultural commodities. Now let us examine the progress of agriculture in Assam, the constraints it faces and possible policy actions that can be taken to remove / reduce those constraints to agricultural growth in the state. DATA: Before proceeding to assess the status of agriculture in Assam, a few remarks on the database are warranted. The analysis relies on secondary data on various variables of interest. The data have been collated from various official statistical documents published by the Government of India, the Government of Assam, the North-Eastern Council, the Fertilizers Association of India, and the Assam Agricultural University, Gorham. The analysis is confined to the post-1980 period up to the latest year for which data are available. The gross cropped acreage total and under different crops is shown in Table 1 as an illustration. The data on total cropped acreage under the state does not tally with the sum total of the acreage under individual crops. This obviously raises doubts about estimates of cropping intensity, cropping patterns, yield levels, et cetera. The data on irrigation also present a somewhat confusing and uncertain picture. On one hand, the data on net area irrigated in the state has not been updated ever since 1953-54. Whereas at other places in the above-mentioned data sources, various figures are reported as the irrigation potential developed and potential utilized. In such a situation, the true picture with regard to the status of irrigation cannot be properly gauged. Further, the status with regard to the availability / use of irrigation for different crops is more or less unknown, as the crop-wise irrigation data have not been updated since 1953-54. With the available data being in such a situation, one can obtain only a rough idea of the state of affairs with regard to agriculture in Assam. They have been used only to obtain a rough comparative picture of the status of agriculture in Assam visit-Â ¤-visit the country as a whole and in some cases with Punjab, probably agriculturally the most advanced state in India. Such comparisons, though lacking in precision, could still provide valuable insights into the problems confronting agriculture in Assam. Agricultural rationalization Agricultural rationalization is basically is an area which depicts homogeneity in respect of agricultural land use and cropping pattern. It generally shows broad similar ties in the nature of crops grown, their combination pattern, method of litigation, average quantum of inputs and orientation of farming activities. Such similarities mainly arise out of the uniformity of physical and agro-climatic conditions and socio- cultural characteristics. With the passage of time agricultural regions undergo changes in their salient features and characteristics. The introduction of rice cultivation in Punjab and popularity of wheat in the lower Gangs plain may be cited as examples. Agricultural regions are affected both by the elements of the physical and cultural environment. While former includes climate, topography, soils etc. ICC have their bearing on the agricultural characteristics, the latter consists of such elements like population density, agricultural practices, agro cultural technology, crop land use, land tenure, land ownership, arbitration, transport and into account in agricultural rationalization. Topography Assam Topography shows the positional features of the state. Sharing its borders with various states like Megalith, England, Bhutan, Mozart, West Bengal, Raunchy Pradesh and Maniple, As sam is located on the north-east part of India. The prime geographical characters that form the topographical features of Assam are he Bark Valley and the River of Paramount. From north-eastern corners to west and further towards south, the Paramount River spread its rich alluvial plains across the length and breadth of Assam. The topography of Assam is also featured through many quaint hills that existed in the land from ancient periods. In fact some of the hills of Mozart, which is an adjoining state, act as the boundary indicators. The state is divided into three broad geographic units: The lower and central Assam hills, known as the Shilling Plateau The Brail ranges and the low hilly terrains of Mezzo hills The Alluvial valley of Paramount, Deanship and the Bark river The lower and central Assam range which includes, from west to east, the Agro, Khaki, Saint and the outlying Mike hills are in reality a plateau or table-land. The general height of the plateau ranges between 3,oft and 6,oft. The Khaki and Juanita hill portion of the plateau are comparatively higher and flatter than the Agro and Mike hills on the west and northeast. The highest peak of the plateau is the Shilling peak (6450 Ft) The lofty Brail ranges, also known as the North Charm hills, are separated from the Shilling plateau on the Northwest by a system of narrow valleys. Technically, the Barrels form a south westerly extension of the mountain chain of England and western Burma. It is this chain of mountain that separates the valley of Irradiated and Chining of Burma from the valley of Paramount and the Meghan. The Patti, Nag and Maniple hills and the Mezzo hills, form part of this great mountain system. The Mezzo hills consist of a belt of North- South trending ridges with intricate valleys, with an average height of 3,oft. The alluvial plains of Assam consist of two distinct parts I. E. The valley of the Paramount and its tributaries and the Bark valley. These are separated from each there by the water shed of the Shilling plateau and the Brail ranges. Climate Assam at present consists of two hill districts and twenty one plain districts. The climate of the hills is generally salubrious while that of the plains is comparatively warm in summer but cool in winter. Accordingly,the climate of Assam is characterized by alternate cool and warm periods with a highly humidity,Especially from May to November. Between March and May at the time when precipitation in Northern India is at the minimum, Assam gets some amount of rainfall from the Northwesters which keep the temperature low in the season of spring. In the plains of Assam, the maximum temperature does not go beyond OFF. Or ICC and in winter the plains of Assam have a minimum temperature of about ICC or about OFF. The climate of the plains and the sub-Montana region becomes unpleasant,especially in the summer season. It happens to be so because of the extreme humidity which comes with the monsoon. In the plains of Assam,including the district of Charm the temperatures in summer may be only about ICC. But the humidity may be so high bouts of rainfall. From the climatic point of view the year in Assam can broadly be divided in two, the cold season and the rainy season. However,there are two other short seasons namely spring and autumn representing the transition between cold and rainy seasons and that between rainy and cold seasons respectively Soil Red Loam Soil, Alluvial Soil and Laterality Soil these three types of soil mainly found in Assam State. Red Loam Soil is found the places like Agro, Mezzo Hills, Charm (part of), Khaki-Saint Hills and Siberia of Assam. Part of Shagbark, Saint Hills, Khaki Hills, Charm (part of) and Owning is the region where Laterality Soil found. Alluvial Soil covers entire Daring, Kumara, Lashings, Goalpost, Siberia and part of Agro Hills. Crops being cultivated in Assam Out of the total geographical area of 78. 43 lake hectares, almost one-third (30. 42 percent) is under net cultivation covering an area of 23. 86 lake hectares (excluding tea area). The gross cropped area occupies about 36. 37 lake hectares.