Roe -vs- Wade Essay Example | Topics and Well Written Essays - 1250 words

Roe -vs- Wade - Essay Example Is it ethical to allow the taking of a life, especially in those instances where there is no pressing medical reason that mandates a termination of a pregnancy? Is abortion wrong from a moral point of view? According to the religious beliefs, especially of Catholics, life is God given and therefore a woman who chooses to terminate the life of a fetus is in effect, taking into her own hands, a decision that only God can make. Abortion is equated to murder of the fetus and the woman who engages in it held liable for the act of killing another human being. Similarly, doctors who perform abortions were also held accountable, which is part of the reason why in some states, public opinion against abortion has reduced the number of clinical outlets and medical establishments where abortion can be safely performed by qualified medical personnel (Joffe, 2003). In pointing out the importance of the Roe v Wade decision, Joffe (2003) has described how, prior to the legalization of abortion, physicians performing therapeutic abortions were placed in an untenable position because of the fierce public opposition to abortion on religious grounds. But the decision of the Supreme Court in Roe v Wade has proved to be a boon for those women who are victims of rape or illness that interferes with their ability to successfully carry a pregnancy through to term. While earlier, it was difficult for them to terminate a pregnancy due to the public opposition to abortion, the decision in Roe v Wade has made abortion legal, thereby ensuring that woman seeking abortions can now have the procedure performed by qualified medical personnel. But Roe v Wade has gone beyond merely allowing abortions to proceed when there are extenuating circumstances; it makes the decision on whether or not to have an abortion solely the woman’s prerogative. Irrespective of the woman’s reasons for choosing to have an abortion, the decision in Roe v Wade

Management Dynamics Essay Example | Topics and Well Written Essays - 750 words

Management Dynamics - Essay Example ? No part of the assignment/product has been written/produced for me by any other person except where collaboration has been authorised by the subject lecturer/tutor concerned. ? I am aware that this work may be reproduced and submitted to plagiarism detection software programs for the purpose of detecting possible plagiarism (which may retain a copy on its database for future plagiarism checking). Signature: ______________________________________ Employment Relations Employment relation refers to an economic exchange, an agreement that is established between the employees and employers in relation to the capacity of work or labour power. Balnave and Maconachie (2007, p.2) contend that employment relation is deceptively simple, since there is a need for hiring employees in order to produce goods and services, and the employee is expected to undertake some task for payment. Nevertheless, the essay seeks to discuss the way Unitarist and Pluralist approaches to conflict, would be used i n a situation of industrial action, which was taken by the Construction Forestry and Mining Employees Union in forming the Barangaroo picket line, and identify the approach that offers a better explanation. The conflict that will be explored in this essay involved the Construction giant Lend lease as employers and the employees, who were members of a union, whereby the employers were expected to respect the rights of employees through improvement of job and income security in the building industry (Lend Lease, 2012, p 1). The employees had taken industrial action for a period of forty-eight hours on a Tuesday after unsuccessful bargaining that entailed an agreement that was to cover Lend Lease’s project management and construction business (ABC News, 2012, p. 1). The union was interested with ensuring equitability concerning employee pay and condition for employee of subcontractors on Lend Lease sites, and this included the Barangaroo project in Sydney (McIllroy, 2012, p. 1). The employers were also being condemned due to their failure in provision of jobs to apprentices in Australia, and the union was calling for better rights for contract as a way of dealing with Howe inquiry regarding job insecurity (ACTU, 2012, p.1). The case concerning Construction giant Lend lease as and its employees is an example of the multidimensional nature of employment relation that establishes a potential for a conflict to occur between parties involved. In fact, the conflicts between employers and employees are termed as industrial conflicts, which relates to issues like; employment conditions, managerial prerogative, wages, social or political concerns. On the other hand, the nature of the employment relationship is depicted by the conflict manifestation, whereby the employees can bargain, hold balance of power, commitment and effort. It entails collective action such as withdrawal from work in situation of a strike, absenteeism, stop-works, while in other situation othe r s may decide to remain in work, but undermine the objective of the management through a go-slow or sabotage (Balnave & Maconachie, 2007, p.7). In order to resolve the situation that involve the conflict between employers and employees, there is a need to understand the frame of reference, which refers a person’

The Adventures of Huckleberry Finn Essay Example for Free

The Adventures of Huckleberry Finn Essay Though the novel is entitled The Adventures of Huckleberry Finn and the story is told by Huck, the key character in the novel is Jim The Adventures of Huckleberry Finn has two key characters, one is the slave Jim, the other; the protagonist Huck. Jim and Huck could each be considered the key characters for different reasons, Jim as he is the main representative of the typical slave (slavery being the most important theme of this novel) and Huck for he is the main storyteller. Jim is an important character in The Adventures of Huckleberry Finn, and without him the novel would be ineffectual. However The Adventures of Huckleberry Finn is a novel about the adventures of the protagonist Huck, and it is more likely that the key character of this novel is Huck because we see everything from his view. In a novel which is written as a satiric social comment upon the southern states of America Jims role as the manifestation of slavery must be a key one. Incidents in which Jim interacts with other characters and their reactions to him are meant to symbolise the wider societys opinions on slaves and the practice of slavery. Jim, is a heroic figure in a book whose main characters consist of liars, cheats and scoundrels. Jim always does the right thing if he can, he always feels empathy for others even if those people show no such emotions for him. The incident at the end of the novel when he saves Tom and risks what he believes to be his own freedom is a case in point. We empathise with Jim because even though other characters suggest that his feelings are least important, whose life is lesser, whose existence is trivial, he manages to stay cheerful, and even kind to those who treat him in this manner. This quality makes him even more heroic, for he is a figure who turns the other cheek, and is kind to others no matter what. Jim doesnt lie or cheat, or steal or gamble and looks down on these activities. Jim is never bitter, he never complains, and never expects Huck to return or even notice what he does for him. However this is no to say that Huck is not heroic himself, his support for Jim, a black man, who Huck has been taught is inferior and as important as a pack horse is astounding, and displays that Huck is strong enough and heroic enough to make the harder choice and choose his heart over his conscience. An example of Huck choosing his heart occurs just after Jim has been sold by the King and the Duke for forty dollars, Huck believes he has been forced to make a choice between Jim and heaven. He chooses Jim with the words All right then, Ill go to hell. It is Jims escape and the subsequent threat of his re-capture that provides the reason for himself and Huck to leave the island and travel down the river where most of their adventures occur. Without Jim Twain would lack a reason for Huck to travel down the river and experience what he experiences, without Jim this would be little more than a story about a boy who fakes his own death, and then lives on an island. Add to this the fact that Jim is the leader during the travel down the river. He is the one who knows all the signs of weather, either good or bad, it is he who makes their journey its success and ensures their lives. Jim is the maturest out of himself and Huck. Hucks immaturity is shown when he puts the rattlesnake in Jims sleeping bag, or when he plays a trick on Jim during the fog. Jims maturity is displayed by his reaction to the incident when Huck plays a trick on him during the fog. Without Jim the novel would be innefectual because Hucks development would be stunted without him. One prime example of Jims importance occurs when Huck comes closer to fully realising that Jim is a real person too and the colour of his skin does not diminish his humanity. Huck has realised that Jim is a human and that he should not play tricks on him or regard him as stupid, around the end of the novel Huck says I knowed he was white inside, Huck is expresing his realisation that Jim is a human in the only way he knows through making Jim white. Hucks realisation is well brought across to us just after he has hidden in the fog, and returned to Jim, Jim works out that Huck is trying to trick him and reacts very badly to Hucks prank. Huck then says. it was fifteen minutes before I could work myself to humble to a nigger- but I done it, and I warnt ever sorry for it afterwards, neither. I didnt do him no more mean tricks, and I wouldnt done that one if Id knowed it would make him feel that way. Huck and Jim have a symbiotic relationship, they need each other Huck needs Jim to remain dynamic and keep our attention, and Jim needs Huck to justify his presence in the novel. Jims effect on Huck is huge it is through Jim that Huck begins to learn about how the colour of skin does not alter the person inside. An example of this occurs when Huck says and I do believe he cared just as much for his people as white folks does for theirn . Huck justifies Jims existence as a character of substance in this novel, for through helping Huck and caring for him, Jim is makes an impact on the reader, and hence makes his position in the novel as one of its main characters more tenable. However while it is obviously true that Jim teaches Huck he is not Hucks only teacher, several other characters such as Pap and Tom also teach Huck valuable lessons. One example of Huck being taught by someone other than Jim occurs when Huck says If I never learnt nothin else out of pap, I learnt that the best way to get along with his kind of people is to let them have their own way. It is through Huck and his reactions to various events that Twain passes on his opinions to the reader. Huck is a character through which the author, in Twain puts across his point of view, for example Hucks realisation that Jim is also a human and also important. Twain is trying to get this message across to the public. Huck is a representation of the common person at the beginning of the novel. He is white, uneducated, simple, and not willing to think about what he is told just willing to accept it. Hucks realisations about right and wrong, and importantly his own ability to determine this for himself are drawn out and argued logically inside a story which will hold the readers attention. Through Huck Twain frames all the key issues of freedom, racism and slavery, personal integrity and social rebellion against social attitudes of the period. This occurs when Huck interacts with key characters who are representative of a theme or an idea being presented by Twain. For example his interaction with Tom who represents conventional social attitudes, as the novel progresses Huck is less inclined to accept what Tom says or does as correct. One example of this occurs when Huck quits Tom Sawyers band of thieves, he no longer agrees with Tom, and many of Toms imagined incidents such as that of rading the summer school picnic no longer hold any credence with Huck. This moving away from Tom and what he represents, is an indication of Twains rejection of conventional social values. Jim is the symbolic representation of only one of these points of discussion, slavery. Jim is only a part of that whole because he represents only one of the themes that Twain is discussing in this novel. Unlike Huck, Jim is not the one who reveals the authors opinions through his actions and reactions he is merely representative of one of these ideas. Without Hucks presence the novel lacks a unifying element. Jim is unable to fill the void in this regard as he is a relatively static character who does not change. This is unlike the dynamic Huck who changes some of his opinions and learns about many things ranging from serious issues such as slavery to simpler things such as to how to discern what the weather will be. The most important factor that leads me to argue that Huck is the protagonist comes from the fact that the whole novel is told in first person. It is Hucks views not Jims that we get, it is his outlook that colours our opinion, and most importantly his vernacular we read. In fact Jim himself is seen through Hucks eyes, with Hucks opinion colouring our own. Huck is omnipresent, this is not so with Jim he continuously disappears when it does not serve Twain to have him in the episode. Debates inside Hucks mind, the incident when Huck plays a trick on Jim during the fog, and even the whole Shepardson, Grangerford incident are lacking the presence of Jim. When Huck meets the Shepardsons and the Grangerfords, for example Jim magically disappears into the bushes to repair the raft. Huck is in every moment of the novel, and other characters are merely there because they interact with Huck, Jim is no exception. Jim is an extremely important character in The Adventures of Huckleberry Finn. Jim represents slavery the major theme of the novel, is forgiving, and kind, however this makes him a heroic character, not the key character. Huck on the other hand is the key character by virtue of his predominance throughout the book, he is on every page, and every line and unlike Jim he is the character who reveals and in effect discusses issues through his reactions, action and interaction with other characters. Hence it is fair and logical to conclude that although important Jim is not the key character of the novel, that honour must go to Huck.

Muslim Commercial Bank Limited

Muslim Commercial Bank Limited MCB Bank is the abbreviation of Muslim Commercial Bank Limited and it was established by the Adamje group on 9 July 1947, under the Indian company Act, Vll of 1913 as a company limited. This bank is established in view to provide the banking facility to the business community of the South Asia. This bank was nationalized in 1974 and at that time president of Pakistan was Zulfikar Ali Bhutto. This was the first bank to be privatized in 1991 and the bank was purchased by the Nishat Group. In the 2008, the Nishat Group holds the majority of the shares of this Bank. At that time MR. Atif Bajwa is the president of the Bank and that person is previously working with the Citi Bank. Nishat Group was founded in 1951. Nishat Group is the leading and most widely separated business Groups in Pakistan. The presence of Nishat Group in the important business sectors of the country like Banking, Textile, cement and insurance. Mian Muhmmad Mansha is the owner of the Nishat Group. The company has fixed and current assets of over 300billion and this company were included in one of the top five companies of the Pakistan. Mian Mansha played a very important role in the success of the bank. The Govt. of the Pakistan gave him Sitara-e-imtiaz and this is the most prestigious civil award of the country. If we take a look on the total asset of the bank that is 72,052,258 in March 2010 and if we take a look on the previous assets that was 69,740,013 we estimate that the bank is really working with a fast pace. And the profit after taxation of the company in March 2010 is 4,141,151 and at the end of the 2009 it was 4,134,971. Muslim commercial Bank agreement to buy the Royal Bank of Scotland but it fails to acquire proper license from State Bank of Pakistan. Profitability of MCB MCB is the Pakistans fourth largest bank in term of assets base 5.9 billion US dollar. The bank has the almost 1082 branches including 11 Islamic banking branches and over 300 ATM machines. During the last Fifteen year bank has concentrated on growth through improving service quality, investment in technology and people, utilizing its extensive branch network and managing the risk management. MCB has established business in SriLanka and Bahrain and newly established Rep. Office in Dubai. The bank has also formed a private company in Hong Kong in partnership with the Standard Charter bank, handling trade transactions in Asian-Pacific region. MCB also incorporated a leasing company in Azerbaijan in 2009. Fully owned Subsidiaries of MCB are; Muslim Commercial Financial Services (private) Limited MNET Services (private) Limited MCB Trade Services Limited MCB Asset Management Company Limited MCB Leasing Company Business Strategy of MCB The business strategy of MCB is to provide financial solutions in major segments for its customers. The bank has also established an Islamic Banking unit to offer Shariah complaint products and services, in six cities and the future plan is to establish more branches of Islamic banking and its branches is as much as the traditional banking branches have in the country. Nishat Textile Nishat Mills limited was founded in 1951. He has one of the largest Textile setup in the country. They have following production facility; 270,000 Spindles 740 looms Dying and printing capacity of 7 million meters Cement D.G Khan Cement Company Limited (DGKCC) is a unit of the Nishat Group and it is the largest Cement manufacturing company in the Pakistan with the capacity of 5500 tons clinker per day. They distribute their product in both nationwide and as well as internationally due to his consistent quality. This company is listed on all the stock exchanges of the Pakistan. Nishat Group also setup a new Cement manufacturing plant with a capacity of 6700 tons per day near kalar kahar, Distt. Chakwal. After the completion of this plant this will be the largest plant of the country. Financial Services MCB is the largest private bank in the country with a 1200 branches in Pakistan and they operate internationally. MCB was also the first bank of the country that is listed on the London stock exchange in October 2006. Values of MCB Bank Following are the vales of MCB Bank: Integrity Innovation Excellence Customer Centricity Respect Integrity We are the trustee of public fund and serve our community with integrity. We believe in being the best at always doing the right thing. We deliver on our responsibility and commitment to our customer as well as our colleagues. Innovation We encourage and reward people who challenge the status quo and think beyond the boundaries of the conventional. Our team work together for the smooth and efficient implementation of ideas and initiatives. Excellence We take personal responsibility for our role as leaders in pursuit of excellence. We are the performance driven, result oriented organization where merit is the only criterion for reward. Customer Centricity Our customers are at the heart of everything we do. We thrive on the challenge of understanding their needs and aspiration, both realized and unrealized. We make every effort to exceed customer expectation through superior services and solution. Respect We respect our customer values, beliefs, culture and history. We value the equality of gender and diversity of experience and education that our employees bring with them. We create an environment where each individual is enabling to succeed. Online services Following are the online services that offer by the MCB Bank. Million of Branches ATMs Call Center Bill Payment Funds transfer MCB Limited Announcing his Million of Branches in the Country MCB Limited has announced Mobile Banking facilities for its customers in July 2009, first time in Pakistan. Speaking on the event, Mr. Atif Bajwa, Head CEO of MCB Bank said that MCB Mobile was a first step in ensuring the cost effective delivery of financial service. He added that when the State Bank of Pakistans advent the Branchless Banking procedure, development of many new financial products and services were already in progress at MCB. These products is not developed only for the MCB customers, but they also watch that most of the people have mobiles nowadays but they have no access to the banks through the mobiles so MCB Bank Limited introduce that system that help their customers to access their accounts easily He further added, users of MCB Mobile are just not restricted to watching account balances or requesting mini-statements, they easily manage mass of payments, like pay utility bills, recharge their both pre paid and post paid connections and make payments of post paid numbers through their mobile phones, they can even transfer the amount from one account to another in few minutes. Mehreen Ahmed, Group Head of Consumer Banking, also speaking on the event, that MCB Mobile was developed to offer customers different facilities to access their account throughout a week from their mobile phones MCB Bank initiate the Wide Mobilization Mobilization has been started in MCB Bank at 5 April 2009. The objective of the team is together bank and makes ensure that maximum number of members of MCB login and use MCB Mobile. Remote banking team trained the peoples of MCB and how to use the MCB mobile to ensure that this is very successful across the country wide branches. MCB Limited sponsors 2nd Mobile-Commerce Meeting in Karachi MCB is the sponsors of the 2nd Annual Mobile Commerce meeting held in Karachi at 11 March 2009. The discussion was attended by a number of different Banks, Telcos and Technology. Mr. Atif Bajwa, Head of MCB Bank Limited, delivered a key note that is the Banks and Telecommunication Companys work together and to bring revolution in that field. He gives offer to the telecommunication companies come to join the hands of MCB mobile banking to produce something new that no longer exist in Pakistan. MCB meets the Chairman PTA A team of the bank that lead by Mr. Qasif Shahid Head of the remote banking system met with Dr. Yaseen the chairman of Pakistan Telecom Authority in February 2009. The meeting was attended by many of high ranking officers of PTA and members from all 5 Telecommunication Companies. Key issues about the successful development of Mobile Banking in Pakistan were discussed in that meeting. All the 5 Telecommunication companies are agreeing to make a task force that made a road map for Mobile Banking. These task forces have been created and complete their tasks under the supervision of PTA. MCB link up with Fundamo Mobile Banking MCB Bank has linked up with Fundamo for its Mobile Banking solutions in January 2009. Fundamos: Fundamo is the Enterprise financial services platform. Fundamo is the worlds largest mobile financial service provider; they have the expertise to build technologies, and they have experience and vision as well. Vision: Fundamo is the global mobile financial solution provider. The company was established in 2000 and looking towards providing financial services through mobile phones in both developing and developed countries. Leadership: The company has created its leadership position due to the history of innovation and successful development. This knowledge ensures that its customers will always hit their target markets. With over 30 successful development projects in over 20 countries Fundamos technology and development strategy is proven. Expertise: Fundamos leadership team has strong background knowledge in the financial services industry and has the strict design principles required for secure banking system, and they also taking advantage of its unique character in mobile phone. This new style of financial system represents a powerful banking system due to its simplicity and uniqueness. Collaborating for success: An important element of Fundamos is to collaborate with the specialist organization to effectively and efficiently meet the need of the client in the rapidly moving mobile financial service market. Global coverage: Fundamos is now a global company with a 20 clients in different countries. Fundamos has a direct business as well partner business operations in many other countries. Fundamo Solutions: Enterprise Edition. Mobile wallet. Mobile Banking. Mobile Money Transfer. Fundamo is working in Pakistan through their official partners Access Group (Pvt) Limited. Bottom of Form Loading Loading What can u do with the MCB mobile service? Account Balance Mini Statement Transfer of funds Purchase mobile Top-Ups through MCB Mobile service Pay your Mobile Bills Pay utility Bills Make Visa Credit Card payments Donation Services Balance inquiry You can check your account balance any time. Mini-Statement You can access the transactions of last six months from your bank account at any time, making it easier for you to manage your account. Fund Transfers You can send money to anyone through MCB Bank account. The receiver of the money does not have to be a registered with the MCB Mobile user. You can receive money by giving the complete number that contain 16-digits or the ATM card number of the receiver. Purchase Airtime for Prepaid Connections Now you can easily purchase prepaid airtime from these mobile companies: Mobilink UFone Zong Warid Zem Telenor Pay Postpaid Mobile bills Now you can forget to pay your bill to the franchise because MCB gives you the opportunity to pay the bill through MCB Mobile at any time without any difficulty. Mobilink UFone Zong Warid Telenor Pay the amount of Bills MCB Mobile gives you facility to make payments of utility bills. Like Electric city Sui Gas Water Charges Tele phone bills Make payments of MCB Visa Credit Card You can now easily pay your Visa Credit Card payments through MCB Mobile. Now you can pay minimum payment or the full amount. Report a Lost ATM card If you lost your ATM card during the usage you can inform to the bank immediately and the bank will deactivated that card. And issue new card on the demand of the customer but this is only for the register customers. Donations You can make donations to any charity through the use of MCB Mobile service within a second. Donations to the Prime Ministers Fund are being accepted through this service. More charities will be added. Questions that mostly people asked Following question asked by the people. Who is eligible to register for the services? Do I need a special mobile connection? Is number portability supported for MCB Mobile? Do I need special mobile phone (handset)? Can I still register if I dont have Internet on my phone? How can I activate GPRS/Internet? What is bank charging for it? Are there any other charges? Is this service safe to use? How do I register? What happens after I register? What are the payment limits? If I forget my Mobile PIN? Where do I find the terms conditions? Where can I get more information about the MCB Mobile? ATMs Service MCB ATM smart card works anytime, anywhere in Pakistan abroad. MCB smart card is accepted over 4000 ATMS nationwide. MCB enables you to access fast cash, account balance inquire, transfer of funds etc through 450 ATMs in the country. MCB bank offers different type of ATM cards: ATM Regular Card ATM Gold Card ATM Regular Card ATM Regular or classic card allow you to withdraw 15000 per day and minimum three withdraw in a day. ATM Gold Card ATM Gold card allow you to withdraw up to 25000 per day and minimum of six withdraw in a day. The other condition is that the cardholder has to make two transactions to withdraw the 25000 amount. Call Center MCB provide the call center facility to their customer through which you can take help from representatives. Those are available at any time. They can help you as well as give guidelines. You can all so take help about their credit card problems. MCB offers following services: General Inquires Financial Services Non- Financial Services General Inquires Following are the general inquires; ATM locations Account opening procedures MCB Bank Charges All MCB Product related information MCB Merchant locations Financial Services Following are the different Financial Services; Inquiry of account balance Request for transfer of funds Details of Debit Card transitions Detail for last five transitions Request for all Credit Cards Blocking Service of ATM Card throughout the day Payment for all the Bills Purchase vouchers Non Financial Services Following are the Non Financial Services; Request for Credit Card address change Virtual Banking activation Complaint registrations 24 hours a day Mobile Banking activation Call 111-000-MCB (622) Bill Payments MCB give you the services through which you can pay your bills and recharge your mobile accounts. So we save our time through this and pay our bills easily. MCB smart card holder can also pay their bills easily. Bills Payment Features Following are the Features; Pay your Bills throughout the week Make full or half payment. Full payment is required only for PTCL Recharge your prepaid account Pay as a register or non register user. This will help you to avoid the time delay. SWOT ANALYSIS Strength Long Establishment Long establishment is one of the strength of MCB over private banks. Due to this it earn a name in the market, The biggest Infrastructure MCB has the biggest infrastructure among the entire private bank. So it is making business from one corner of the country to another corner of the country. Other factors are: Brand image because of Muslim word in the name in an Islamic country. In a growing economy of Pakistan. Has strong market presence. Mainly operating by Mansha Group. Offers a wide variety of services to its customer and has a customer bank of round about 4 million. The bank has efficient IT infrastructure and network of online services. MCB is working in Pakistan over 60 years of success. MCB fall under the big 5 domestic banks of Pakistan. Bank is continuously focusing on developing new and innovative products to attract the target market. Asset utilization is very good. GPRS enable banking. Weaknesses In the changing environment where MCB has some strength it has some weaknesses also, some of the weak factors are; None Professional staff MCB keeps non professional staff even on higher post who is promoted from the typist and clerical area after a long time. Nationalization Effect When MCB was nationalized by BHUTTOs Govt. it was the glooming period of MCB. During that period, MCB suffered a lot. Govt. Influence Non-professional and bureaucratic people were placed at the top mgt level who knows nothing about the banking and they damage the repute of the bank in the markets as well. Lack of dynamism When a newly person employed in the bank they want to leave the bank very soon. Because the promotion period of the bank is so late till you retire. So lake at dynamism comes to the personality. He is no further creative in his life. So increasing age of the staff is one of the weaknesses of the bank because banks needs young and creative person who have the ability to meet the changing response of the environment. Advances to non productive units During the nationalized period, a lot of amounts are forwarded to the non productive unit just on political bases. Most of the advances are not still paid and not even written off. Other factors are: Political instability Internal political issues Less job satisfaction of employees. Customers facing problems of NADRA verification while opening their accounts because its process is time consuming. To give everyone equal protocol is lacking among employees customers having account with small amount and not giving same services like dealing to others who have high account. Lack of organizational loyalty among employees. Promotion is generally on seniority bases. External Environment Opportunity Having an edge over the other commercial banks, MCB has greater profit, greater growth rate and market share than other commercial banks. Privatization After privatization bank deposits has accelerated tremendous speed because it gave the opportunity to get rid of critical influences and to put the bank on the professional root. Other factors are: To go global Low exposure to consumer banking providing opportunity to explore the segment. Emergence of Islamic banking in the country and MCB is increasing its Islamic banking operations. SBP police to allow Islamic banking business separately. Free staff training facilities offered. Greater profitability can be achieved through strong internal control. Elimination of risk of fraud through professional training. Opportunity to open a branch in rural area to increase its branch network and gain more profit. New schemes for deposit and finances should be introduced regularly. Threats Private Banks Like citi bank and ABN amro are entering in the market with a greater power and strength in terms of brand name. Govt. Policies MCB faces the great threat from the Govt. policies like as finance the non productive units housing etc. so the bank does not feel the freedom in operating on its own view point, which is a threat for the bank. Because the bank is purely commercial so it should have autonomy to make its own decisions. Other factors are: Increasing competition in banking sector of Pakistan. Strong competition. Rising deposit rates. Foreign banks in the market having more marketing budget. People losing trust in banks. Participation of foreign banks in local market that can hurt the market share. Restructuring of privatized banks. PEST ANALYSIS Political Political instability in Pakistan can lead to changes in laws and policies which can be in favor or against the banking sector. Economic Economy of Pakistan is facing issues about employment, inflation, illiteracy, which hinder business growth. Social Cultural issues can be there but still as there are multinational companies there, therefore, cultural issues are not prominent. Technology People are highly skilled and MCB can introduce new technology to increase competencies. Porters Model The basis of much of the thinking on competitive advantage has been the writing of Michael Porter. Porter in his book COMPETITVE STRATEGY: techniques for analyzing industries and competitors (1980) introduced his model of competitive rivalry. Competitor rivalries are: Competitive rivalry Threat of potential new entrant to the sector Threat of substitution product or services to the existing trade The Bargaining power of buyers The Bargaining power of suppliers Threat of potential entrants Competitive Rivalry Bargaining power of buyer Bargaining power of supplier Threat of substitution Threat of New Entrants The threat of new entrant relates to the ease with which a company can enter a given trade sector. Barrier to entry into a particular market include the need for capital, knowledge and skills. The barrier to entry, for example, in banking industry if a bank is working in particular area where any other bank is exist or any other branch is exist in the same city. Then the competition is exit and threat is exist for the bank that already exists. With the entrants of competitor your business is really suffer to overcome their competitor you have to introduce new strategies and make plans. IT can be a barrier to enter to a given market place. Existing players in the sector may well have a substantial in IS / IT, including for instance the use of EDI to co ordinate their supply chain. This experience and investment can be difficult for the new entrant to match. The converse is that development in IT and e- commerce may leave existing players with a heavy investment in expensive, old technologies giving the new entrants the opportunities to enter the market with fresh ideas and a business plan facilitated by a new generation of IT provision. Internet e- commerce is a technology that can facilitate new entrants to existing markets without the need to match the IT and infrastructure investment of the existing players. Threat of Substitution Substitution is a threat to existing players where a new product becomes available that supplies the same function as the existing product or services. If we take the examples of banks if any commercial bank is not providing good services to their customers are not giving proper care to the customers then the customers go for the substitute where they find good services and where bank provide or give values to their customer as a priority. The IT industry has itself substitute many products previously used in business with the replacement of the typewriter by the word processor being but one example of the e- commerce technologies, internet e- commerce has the potential to make significant inroads in the traditional retail sector with online banking. Bargaining power of Buyers For a business to be profitable the cost of producing and distributing its product has to be less then price it can fetch in the market place. Where there are a number of competitors in the market or the surplus of supply the buyer is in a strong position to bargain for a low price and for other favorable conditions of trade. Over recent years the large retail chains have developed a strong bargaining position. The bargaining strength of the buyer is of least threat to the low cost producer that organization can agree to tight terms of trade that competitor firms could not profitably match. The other defence is to have a branded product that the store will feel obliged to stock because their customers expect it. Bargaining power of suppliers The organization whilst trying to get an adequate price from its buyers will be looking to get favorable terms from its own suppliers. The organizations ability to get a good deal is the mirror image of its positions with the buyers. If the supply is plentiful or there are several suppliers it should get a good price. If the product is scarce or the number of suppliers that are able to meet its needs is limited then the supplier is in a more favorable position. Competition between Existing Players The final force is the competition between existing players in the market. The competition is to get the buyers and to trade at a price that produces an acceptable profit. That competition is won on the basis of the generic competition advantage of price, differentiation or focus. The competitive position of each organization is determined in part as least by the deal it is able to make with its suppliers. The competitive position of each organization is not absolute; in most markets the factors that lead to a successful deal in one place at a given time will not necessarily be replicated in the next bargain that is to b struck. Impacts of E- Business Following are the impacts that E- business have o the bank: New sales channel Cost leadership Reduced entry cost New opportunities Information System Efficient quality controlling Easy fraud detection in transaction Easy data saving Easy data recovery Easy management of business transaction New sales channel E- Business is the new way of sale channel in the market. You can introduce any kind of your new product on your official website. The internet completely changes the selling process for both the buyers and sellers. Electronic commerce users found that they can reduce the cost of sale through the internet. Internet is a very well media to advertise their product because if you launch your own site this is very help full for you because it is easier to buy anything from the site rather to go there and then decide. You can easily access the site and it is helpful for customer point of view because it takes less time and your required thing is at your door. Last many years advertising through internet is increased very rapidly manufacturers put every information about the product on the site so you can read it easily and you get familiar with the new product features. Amazon.com is the retail store for selling books through internet. Amazon is the most successful internet business launc hes ever. In MCB as they launch their mobile banking service customer feel much satisfaction because before launching this service or before online banking customers have to go to the bank for balance inquire are for any other service. After this service customer can check and access their account at their home and can send their money anywhere in the country easily. MCB mobile banking is the new way of doing business and they can send SMS to their users for the latest services that they introduced in the market. C:UsersTahirDesktopmarketing.jpg C:UsersTahirDesktopresearch2.jpg Cost Leader Ship Cost leadership is a concept used in business strategy and it is developed by Michael Porter. It describes the competitive advantage in the firm. Cost leadership means reducing the cost of operation in the industry. The cost leadership is often determined by company efficiency, size, scale, scope, and cumulative experience. A cost leadership means to increase the level of production well defined scope and other economics and producing high quality products by using high technologies. In the last few years many companies used strategy mix to achieve market leadership. Companies that wish to follow the cost leadership strategy must maintain constant efforts to reduce the cost. Cost reduction strategies include: Establishing tight control of production Minimize the cost of sale Like the multinational bank MCB launched their online services like mobile banking. This is launched to reduce the luxuries and to introduce the branch less banking that mean it reduce the cost of branches for example if they remove the branches that mean saving of cost in term of removing employees and cost of electricity and many other expenses of branches. C:UsersTahirDesktophourglass-703070.jpg Reduced Entry Cost Reduced Cost of entry means introduce the new product to the market. Cost of entry includes the cost of all research, development, production, testing, marketing, advertising and distribution of the new product. Developing a website is reduced all these cost because internet provide you an easy access to every information so if you want to increase the production capacity you can find the new production techniques on the net. And you can adopt that according to your need. If we take advertising websites and online other sources like newspapers, magazines reduced the cost of advertising very much. In traditional way of doing advertising like print the papers and join the local media this will charge you high cost at limited area coverage. But the internet is away that give you an opportunity to advertise the product on a larger scale. If we talk

Marijuana Should Be Legal Essays -- Legalization of Marijuana

Abstract The following is a proposal for a public policy that would legalize marijuana and have the drug be treated as alcohol. This is necessary because the current policy is detrimental to society and the legalization of marijuana would be beneficial. The prohibition of the drug is unfounded because tobacco and alcohol, legalized substances, are more dangerous than marijuana. Also, the legislation regarding the drug was created on racist sentiments, reducing the law’s credibility. The current policy also creates a dangerous black market and renders our prison system ineffective. The legalization of cannabis would bring undeniable medical and economic benefits to society and the government. Varying degrees of marijuana legalization have proved that, if controlled, the drug is rarely damaging to a society or its population. In fact, the benefits of such legalizations seem to greatly outweigh the drawbacks, making legalization the only logical choice. The debate over marijuana is endless. Due to historical portrayals, marijuana is still often seen as a dangerous drug. This myth, however, is outdated. In fact, marijuana is actually a useful drug that, if legalized, would bring many positive consequences to society. Marijuana should be legalized and treated like alcohol with regards to its regulation. A change in the outdated federal policy of strict prohibition would be an advancement of society and its values. To begin with, the racial implications behind the enactment of the policy suggest that it should not have been enacted in the first place. Throughout the early 20th century, marijuana was associated with Mexican laborers in the United States. There was a strong racist sentiment towards Mexicans in America, especially in the Southwest. Consequently, elite Americans looked down upon marijuana use for its association with this particular group (Rowe 26-27). The drug was actually originally spelled â€Å"marihuana,† which is how the word appears in the 1937 Marihuana Tax Act that made marijuana illegal. The drug is now commonly referred to as â€Å"marijuana.† This happened with the help of William Randolph Hearst, a newspaper-publishing giant in the early 20th century. Hearst began calling the substance â€Å"marijuana† so it appeared foreign and became further associated with Mexicans (Gahlinger 34). Later, marijuana became associated with the jazz scene and Af... ... Works Cited Barrett, Devlin. â€Å"New Medical Marijuana Policy: Obama Administration Will Not Seek Arrests For People Following State Laws.† The Huffington Post online 1 Nov. 2009. 18 Oct. 2014. . Fish, Jefferson M. â€Å"Five Drug Policy Fallacies.† Drugs and Society: U.S. Public Policy. Ed. Jefferson M. Fish. Lanham, MD: Rowman & Littlefield Publishers, Inc, 2006. 79-96. Gahlinger, Paul. Illegal Drugs: A Complete Guide to Their History, Chemistry, Use, and Abuse. New York: Plume, 2004. Grinspoon, Lester, and James B. Bakalar. Marihuana: The Forbidden Medicine. New Haven: Yale University Press, 1997. Hoeffel, John. â€Å"Medical Marijuana Gets a Boost from Major Doctors Group.† The Los Angeles Times online 12 Nov. 2009. 11 Nov. 2014. . Krisberg, Kim. â€Å"Fight for Reform of U.S. Drug Policies Slowly Making Headway. Nation’s Health. 39.8 (Oct. 2009): 1-10. EBSCOHost. Web. 10 Nov. 2014. Mills, BJ. â€Å"Medical Marijuana-Is it All Smoke?† Med-Surg Matters. 17.5 (2008): 3-5. EBSCOHost. Web. 10 Nov. 2014. Rowe, Thomas C. Federal Narcotics Laws and the War on Drugs: Money Down a Rat Hole. New York: Haworth Press, 2006.

Modern Music :: essays research papers

Music has been around for thousands and thousands of years. The caveman had originally started some type of sounds in which branched off into the music that we listen to today. This prehistoric music was started by the cavemen in order for them to express themselves, and the others who listened were affected in the same way that people are affected by music today. For example, if someone is upset they will listen to something that will get them into a better mood, perhaps something mellow or soft. If they are happy, they will listen to something that is more energetic, and so on. After I interviewed four people--friends and family--I found out what type of music they listened to when they are upset, angry, or calm. Music touches people’s souls, and gets the best or worst out of them. My friend Kyle said, â€Å"When I am in a bad mood I listen to basically rap because it gets me hyped up to where I want to dance. Rap lets me get into a better mood where I can forget the problem or what I was mad at before.† He continues, â€Å"No other music affects me as much as rap does because rappers put everything they have into their songs, but that is only my opinion.† Kyle has listened to rap since he was 13, and he actually got me interested into it. I never liked rap until I started to hang out with him, and I am now starting to enjoy it because of its’ diversity that is involved in making the music. Each rapper has their own version of the world, and they express it through their music. -2- Not all rap music is good according to a Texas widow, who filed a lawsuit against Tupac Shakur. Her husband, a Texas state trooper, was allegedly shot to death by a man who stole a car. In the man’s car a Tupac tape was found in the cassette player, and Tupac’s music was allegedly to blame (Damean). Some people tend to take music too seriously, and end up making mistakes, and they have to suffer the consequences like that Texas man. Those people, who take the music too seriously, are not stable, and the music brings out the worst of them. On the other hand, people like Kyle have no problem with some of the lyrics that some rappers incorporate into their music, and end living happily with society.

The Jacket by Gary Soto Essay -- Papers Essays

The Jacket by Gary Soto In "The Jacket" Gary Soto uses symbolism to reflect on the characterization and development of the narrator. Soto seems to focus mainly on a jacket, which has several meanings throughout the story. The jacket is used as a symbol to portray poverty, the narrator's insecurity, and the narrator's form of self-destruction. Since the story uses a certain object, the Jacket, as the meaning of several issues, it primarily focuses on the narrator's poverty-stricken family. First of all, an example of the poverty is demonstrated when the narrator complains that the jacket "was so ugly and big that I knew I'd have to wear it a long time"(paragraph 3). It is clear that his lack of money was a problem in which he would have to keep the jacket because he could not afford a new one. The narrator then feels embarrassed and upset by the jacket by stating "I blame my mother for her bad taste and cheap ways"(paragraph 10). By mentioning his mother's "cheap" ways he is conveying that he is aggravated because of his mothers option to choose bad and ugly clothes in ord...