Monday, September 30, 2019

Physical Chemistry

Physical Chemistry II. Final Exam Your Name: Your Student Number: 110 Normal Points + 10 Bonus Points If you get 110 points out of 120 points, you will get the full 40% assigned to the midterm exam. Your scores 1) 2) 3) 4) 5) 6) Total: out of 25 out of 20 out of 20 out of 15 out of 20 out of 20 out of 120 * All the problems are connected. In other words, to solve the problem, you may need the information and/or answers given in other problems.All necessary information is basically given. Also please consult the supplementary material handed out to you. ) (25 pts) a) (6 pts) The translational energy states in a cubic container are given by the following equation. Derive the following equation for the molecular translational partition function. You will need the following integral relation. ? ? 0 e n 2 ? ? ? dn ? ? ? 4? ? ? ? ? 1/ 2 Answers) ( ) ? ? ( ) ( ) ? ? ? ( ) (? ) ( ) ( v ( ( ) ) ) ( a^3 =V ) ( ) b) (3 pts) If the vibrational energy levels are given as follows, (b-1) where is the zero of vibrational energy? (b-2) What approximation has been made regarding the vibrational motion? Answers) (b-1) The zero of vibrational energy is at the bottom of the internuclear potential well. 2 pts) (b-2) The vibrational motion is approximated as an harmonic oscillator. (1 pt) c) (6 pts) Derive the following equation for the molecular vibrational partition function. You will need the relation applicable when x is less than 1. ?xn ? ?0 ? ? 1 1? x Answers) ( ) ? ( ) ( ) ? ( ) ? ( ) ( ) d) (2 pts)If the molecular electronic partition function can be approximated as follows, where is the zero of electronic energy? Answers) The zero of the electronic energy is taken to be the separated atoms at rest in their electronic states (2 pts). ) (3 pts) If the molecular rotational partition function is given by the following equation, what assumptions have been made? Answers) 1) The molecule is approximated to be a rigid-rotor. (1 pt) 2) The temperature is much higher than the rotatio nal temperature. (2 pts) f) (5 pts, no partial points) Based on the answers and information given above, write down the equation for the molecular partition function of a diatomic molecule. Answers) ( No partial points. ) ( ) 2) (20 pts) a) (3 pts, no partial points)For a diatomic ideal gas, write down the relationship between the partition function (Q) and the molecular artition function (q). Answers) 3pts. No partial points. ( ) ( ) b) (7 pts) Derive the following equation. Answer) ? ( ) ( )( ) ? ( ( ) ( ) ) ( ) ( ( ) ) ? ( ) ( ) ( ) ? ( ( ) ) ) ( ? ( ) ( ) ( ) (3 pts) (4 pts) )( ( ) ( ) (7 pts) ) ( ( ( ) ) ( ) ) ( c) (5 pts) A is given as follows. Express S in terms of Q. Answers) Path1 (1 pt) (2 pts) ( ( ) ( 5 pts) ) Path2 ( ) ? ( ) ? ? ? (2 pts) ? ? ? (3 pts) ? ? ? ? ? ? ? (4 pts) ( ) ? ? ( ) ( ) ? ? ( ) ( ) (5 pts) d) (5 pts) Express S in terms of q. Use Stirling’s approximation (ln N! = N ln N – N). Answers) ( ) ( ( ) ) (2 pts) ( ) [ ( ) ] ( ) (5 pts) ) (20 pts) a) (10 pts) Calculate the standard molar entropy of Br2(g) at 298. 15 K. (10 pts if the value and unit is correct. 3 pts deduction if the value is wrong but within 20 percent of the correct answer. 3 pts deduction whenever the unit is not written or incorrect. 7 pts deduction if the value is wrong and outside 20 percent of the correct answer. ) Answers)For ( ) ( ) (3 pts) Then, ( ( ) ) ( ) ( ( ( ( ) ) ( ) ) ) 10 pts if the value and unit is correct. 3 pts deduction if the value is wrong but within 20 percent of the correct answer. 3 pts deduction whenever the unit is not written or incorrect. pts deduction if the value is wrong and outside 20 percent of the correct answer. b) (10 pts) Calculate the standard molar entropy of Br2(l) at 298. 15 K. The normal boiling point of Br2(l) is 332. 0 K, the molar enthalpy of vaporization at 332. 0 K is 29. 54 kJmol-1, the molar heat capacity of Br2(l) is 75. 69 JK-1mol-1 and the molar heat capacity of Br2(g) is 36. 02 JK-1mol-1. (10 pts if the value and unit is correct. 3 pts deduction if the value is wrong but within 20 percent of the correct answer. 3 pts deduction whenever the unit is not written or incorrect. pts deduction if the value is wrong and outside 20 percent of the correct answer. ) ( ) () Answers) Standard molar entropy ? 3 pts) And () ( ) (? ( ) -Liquid to boiling point ( -At boiling point ) ( ) ( -Gas ( ) ( ) ) () ( ) ( ) 10 pts if the value and unit is correct. 3 pts deduction if the value is wrong but within 20 percent of the correct answer. 3 pts deduction whenever the unit is not written or incorrect.7 pts deduction if the value is wrong and outside 20 percent of the correct answer. 4) (15 pts) a) (5 pts. No partial points) Derive the partial derivative of S with respect to T at constant P in terms of Cp and T. ) ( ) ( ) From > ( ) ( ) ( ) From (1) and (2), And ( ) ( ) [ ( ) ( ) ( ) ( ) ] ——-(2) ( ) ( ) ——-(1) Answers) Total derivative of > ( ) (5 pts. No partial points) b) (2 pts. No partial points) What is the natural variables of U? Answers) S and V c) (2 pts. No partial points) Express dU in terms of dS, dV, T, P. (Answers: dU = TdS – PdV) Answers) d) (6 pts, No partial points) Consider V and T to be the independent variables of U. Derive the expression of dU in terms of dV, dT, P, T, V, CV. Answers) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) + ( ) ( ) ( ) ( ) ( ) ( ) + ( ) ( ) , V and T are independent to U. ) 5) (20 pts) a) (5 pts) Derive the following equation. Answers) ( ) ? ? ( ) ( ) ( ( ) ( ) (1 pt) ( ) (2 pts) (3 pts) ) (5 pts) b) (5 pts) Derive the following equation. Answers) ( ) ( ) ( ( ) ( ( ) ) ) (1 pt) ( ) ( ( ( ) ( ) ) ( ) ) ( ) ( ) ( ( ) ) (3 pts) (5 pts) c) (5 pts) Derive the following equation. Answers) ( ) ( ) ( ( ) (1 pt) ) ( [( ) ] ( [( ) ] ) ) [( ) ( ) ( ) ( ) ( ) [( ) [( ) ( ) ] (3 pts) [( ) ] ] (5 pts) ] d) (5 pts) Derive the following equation and express q0 of c) as a function of T, V, etc. for the ca se of a diatomic molecule. Answer) ( ? ) ? ? ( )? ? ( ) ? [ ? ( )? ] ( ] ( ) [( (2 pt) ( ) ) ] [( ) ] ? ( ) [( ( ) ) ( ) [( ) ] (5 pts) 6) (20 pts)Consider the following reaction. a) (5 pts) What is ? rH of this reaction at 298. 15 K? Write down a numerical value with a unit. Use the given JANAF table. Answers) ? fH(H2) = 0 and ? fH(N2) = 0 ? rH = ? fH(NH3) –[ 1. 5* ? fH(H2)+0. 5* ? fH(N2) ] (2 pts) =-46. 898kJ/mol (5 pts, no partial points for wrong value. 2 pts deduction for wrong unit) b) (5 pts) What is q0/V for NH3 at 298. 15 K? Use the given JANAF table. Answers) ( ) (1 pt) ) ( ) ( ( ( ) ) ( ) )( =4. 960*1033 m-3 (5 pts) 5 pts, no partial points for wrong value. pts deduction for wrong unit c) (5 pts. No partial points) Suppose that this reaction occurs at 500 K and a total pressure of one bar and we start with three moles of H2(g), one mole of N2(g) and no NH3(g). Express G(? ) in terms of only ? and numerical values. Use the given JANAF table. Answers) ( ) ( ) ( ( ) ) ( ( ) )[ ( ( ) ( ( ) ( ( ) ) ) ) ) ( ( ) ) ] ( ( ) ) ] ( ) ( ) ( ) [( ( ) d) (5 pts. No partial points) Calculate the ? value at equilibrium and KP. Use the given JANAF table. Answers) ( ) ( ) ( ) ( ( ) ( ) ) ( ( ) ) ( ( ) (3 pts) ) ( ) ( ( ( ( ) ) ) ) (2 pts)

Sunday, September 29, 2019

Pretty Little Liars

Malone, Mariaun The tone and theme affect the mood in The Legend of Sleepy Hollow by telling what the main idea of the story will be about. The tone is a mixture of funny, playful, and horror. The headless horseman is known by bad things but he is used to do funny things. The theme of the story is love and community. Mood, tone, and theme all have something in common because it puts together the book. The mood is boring, foreshadowing, suspenseful, and scary. The author described things scary and tried to help us to know what might happen.This book did not catch my attention because it did not have much action. Ichabod loved Katrina Van Tassel. †He had a soft spot and foolish heart toward the sex. † (pg. 18). He is expressing his deep love for her. His love for her is crazy, soft, and foolish. â€Å"When school hours were over, he was even the compan and playmate of the†¦.. †(pg. 10) This quote shows the theme of community. It exhibits how Ichabod helped out i n the community. â€Å"His bussy fancy already realized his hopes, and presented to him†¦Ã¢â‚¬  (pg. 22 .Brom and Ichabod both liked Katrina. Brom was trying to make Ichabod look crazy and weird in front of her. The tone of the book is funny, playful, and horror. â€Å"Just then he heard the black steed panting and blowing close behind him, he even†¦Ã¢â‚¬  (pg. 63) The headless horseman chasing after Ichabod crane showed the theme of a playful book. It was not really the headless horseman. It was Brom trying to scare crane because of his jealousy. He was jealous of Ichabod and Katrina. â€Å"Always burst into hearty laugh at the mention of the pumpkin. †(pg. 7) Brom was laughing when they mentioned the pumpkin when Crane was brought up. â€Å"Certain is the place still continues under the†¦Ã¢â‚¬  (pg. 3) In this book there are lots of spells and weird creatures. The headless horseman is an example of a weird creature. The mood of The Legend of the Sleepy Hollow is foreshadowing, suspenseful, and scary. â€Å"The bridge became more than ever an object. †(pg. 63) The author was foreshadowing that something might happen to or on the bridge. Also, that the bridge was haunted. â€Å"There is a little valley, or rather lap of land, among high hills†¦Ã¢â‚¬  (pg. ) This quote is foreshadowing and scary. This foreshadows what type of place Sleepy Hollow was. This makes the reader think that Sleepy Hollow might be a place where weird thing happen. in this quote he was describing Sleepy Hallow. The Legend of Sleepy Hollow was boring but described in a scary way. This book was a book of fantasy. Irving could have had better dialogue by using real characters and having more action. The story revolved around the theme of the story. The book had a horror tone but this did not affect theme love and community.

Saturday, September 28, 2019

Center for Speech and English Language Literacy Essay

Center for Speech and English Language Literacy - Essay Example 7. To apply as non taxable entity. III. Educators 1. The Center aims to garner the support of online educators and classroom teachers as volunteers to commence the program and hire them when funding resources are made and established. 2. The teachers for some of the modules can be outsource to other supporting non-government and private institutions abroad that will entirely create a computer based interactive speech training for the adult and children alike. Meanwhile, only one or two volunteers will be physically present to help navigate the system and mediate certain inadequacies and language adaptation during lecture. 3. The Center is open to all children who wish to take advantage of the program and so it will help to have an interpreter or software with Spanish language interpretations. 4. Hire one English speech instructor and one Spanish interpreter to ensure smooth operations at the Center. IV. Tools and Equipment Use 1. Computers for the online articulation games complete with headset and printers. 2. Art materials for their exercises. 3. An air conditioned classroom that is comfortable located in an area of the building not easily accessible by passers and onlookers. 4. Tables and chairs that will be used for their computer online education and their manual classroom methods. V. Transportation 1. A minimum of one vehicle shall be purchased by the Center that will serve like a school bus for the participants to be used after classes in their travel towards home. 2. Provision to purchase more units of transportation as the budget allows. VI. Language and Culture Barriers of Participants 1. To gain access and help from the governments multicultural agencies to bridge the gap of language and culture barriers so as to... 2. The teachers for some of the modules can be outsource to other supporting non-government and private institutions abroad that will entirely create a computer based interactive speech training for the adult and children alike. Meanwhile, only one or two volunteers will be physically present to help navigate the system and mediate certain inadequacies and language adaptation during lecture. 1. To gain access and help from the governments multicultural agencies to bridge the gap of language and culture barriers so as to promote homogenous classroom methodology and uniformity in teaching methods. Even Spanish speaking children came from mix race that needs to be reached out.

Friday, September 27, 2019

Property Law and Express Trust Essay Example | Topics and Well Written Essays - 1000 words

Property Law and Express Trust - Essay Example An occupier under license has no right to remain in the property and can be removed very quickly. Here it is to be noted that the main characteristics which differentiate an agreement as lease or license are exclusive possession of the property, period of occupancy and time span of serving notices. In Radaich v Smith(1), it was decided that exclusive possession provides 'the proper touchstone' of a lease or tenancy, asserting that anything which negated an occupier's right to exclusive possession, meant no lease existed, simply a license. The aspect of "exclusive possession of the property was explained in the recent and famous case Street Vs Mount ford (2) as" the crucial determinant of whether a lease or license exists is whether or not the person has been granted exclusive possession of premises. " In the given case, Botolphs investments gave Micawber the only the right to use the ground unit or room of the building for certain purposes, not the exclusive possession of whole building. Here, the provisions in the agreement do not confer any exclusive possession of room on Micawber. If the agreement is lease, Micawber entitled to have possession of whole building. Moreover there can be a question arises regarding the time period of occupancy. ... A license gives someone access to and the use of whatever rooms (or equipment) the owner gives them license to use, but does not give a right to use that space exclusively. An occupier under license has no right to remain in the property and can be removed very quickly. 2Here it is to be noted that the main characteristics which differentiate an agreement as lease or license are exclusive possession of the property, period of occupancy and time span of serving notices.In Radaich v Smith(1), it was decided that exclusive possession provides 'the proper touchstone' of a lease or tenancy, asserting that anything which negated an occupier's right to exclusive possession, meant no lease existed, simply a license. The aspect of "exclusive possession of the property was explained in the recent and famous case Street Vs Mount ford (2) as" the crucial determinant of whether a lease or license exists is whether or not the person has been granted exclusive possession of premises. " In the given case, Botolphs investments gave Micawber the only the right to use the ground unit or room of the building for certain purposes, not the exclusive possession of whole building. Here, the provisions in the agreement do not confer any exclusive possession of room on Micawber. If the agreement is lease, Micawber entitled to have possession of whole building.Moreover there can be a question arises regarding the time period of occupancy. Here Micawber occupied the unit in November 2002, and the occupancy will be determined as per the notice on October 2007. But

Thursday, September 26, 2019

LEGAL AND FINANCIAL ENVIRONMENT Assignment Example | Topics and Well Written Essays - 1000 words

LEGAL AND FINANCIAL ENVIRONMENT - Assignment Example This is the proportion of work done at the end of that period. UITF 40 method increases profits and tax. A single charge for service providers results in high financial difficulties and may lead to closure of the business. This affects service providers where a large amount of revenue is earned by owners and not employees. In case the contract is short-term, revenue is earned after selling or after working. Sometimes it may take place after delivery of the goods and their acceptance by the customers. Identification of UITF Abstract 40 has the highest benefits to proprietors who have contributed the highest value of the contract. Prior year adjustment accounts require a review of WIP for the earlier years which includes opening and closing balances, goodwill in the balance sheet that has been written off or amortised for any contracts that are in progress. All previous year’s figures are restated. All unaudited company accounts are added. While calculating incomes, ACCA advises that owners should deduct any incomplete work that is not billed in debtors-accrued income. Deduct all unclear balances of any contract; write off all insignificant amounts or any balances. Time records, diaries assess recovery records. The value of debtors is calculated as unbilled contracts. This contract contains all conditions agreed upon. They may include payment, working hours, overtime work and pay and resignation notices. Grace and Taylor require a written employment contract since they are many and work in various departments. According to Crmraeg (2014), employment contract contains employees’ employment conditions, their rights, responsibilities, and duties. Contracts are effective from the beginning of the work offer. The commencement of work indicates that the worker has agreed to the terms of the contract with the employer. Contracts will benefit this company since it contains details of payments, holidays,

Wednesday, September 25, 2019

Community Planning and Evaluation Essay Example | Topics and Well Written Essays - 2500 words

Community Planning and Evaluation - Essay Example Public health hospital in Canada has as well revealed the ever increasing cases if drug related complications. Therefore, community health programs require an all-inclusive planning, monitoring, and evaluation mechanisms. The need for an exclusive planning in community health programs is especially elevated by the, increased need for evidence-based programs as well as demands for quality health standard practices. Nurses in collaboration with community members, technocrats from other disciplines, and key stakeholders in health sectors plays an incredibly remarkable role in reducing mortality rate brought about by preventable diseases (Louise & Blue, 2008). The Canadian Community Health-Nursing Standard of Practice has also developed an outline that explains how nurses should plan community programs, redesign the already available programs, monitor the execution of the planned programs, and examine the impacts of the planned program. The issue of illicit drug abuse in Canada has becom e a common phenomenon across all ages in the society. The Canadian government has as a result instituted various measures to address the menace. However, the government plans are yet to yield the required benefits. Due to increased level of aboriginal drug users among middle aged people in Canada, the community health programs intends to address the issues of prostitution, high HIV/AIDS prevalence, and substance abuse among young women (Black et. al., 2010). In addition, such health programs aim at highlighting burglary, sabotage, and health related effects, as well as, other regrettable consequences faced by the affected individuals. The department of health in Canada has observed a high risks associated with illicit drug use among the aboriginal homeless women. Increased number of prostitute’s reportedly missing; increased police cases and complaints on aboriginal women are some of the indicators of overuse of illicit drugs among aboriginal women (Louise & Blue, 2008). More over, several aboriginal women have been observed to be in a state of ill health with most of them being infected with HIV. The purpose of this study is to provide students with the ability to develop a program for health promotion. The program is also focused on the most effective means of dealing with illicit drug use among aboriginal homeless women aged 14-30 living in Downtown Eastside of Vancouver, Canada. The specific objectives of the program planning, implementation, and evaluation include ensuring increased immunization against contagious diseases among school going girls, awareness creation on illicit drug use and educating the young women on the risks associated with substance abuse for instance contraction of the HIV virus. The study also intends to promote public health standards by involving the homeless women in community activities. The health promotion program is also aimed at ensuring decreased rates of prostitution by empowering the society on the risks associated with it (Hitchcock, Schubert & Thomas, 2003). The study also intends to evaluate on the number of school going girls who indulge in prostitution and illicit drug use among the aboriginal women. The program planning, implementation and evaluation will provide the timeline, outcomes, resources and constraints, as well as, how will be implemented and evaluated (Louise & Blue,

Tuesday, September 24, 2019

Kodak and fujifilm Research Paper Example | Topics and Well Written Essays - 1500 words

Kodak and fujifilm - Research Paper Example The executives at Kodak did not want to abandon the traditional film. They did not realize how digital cameras would become common within a short time. Since there was a slow transition of traditional to digital technology and competition from other companies, Kodak lost a considerable market share globally. By early 2012, Kodak filed for Chapter 11 bankruptcy protection which was approved by the court for financing. Kodak was able to sell its patents to various companies like Google, Apple and Microsoft among others (Stuart, 2005). Fujifilm was started in 1934 and like Kodak, focused on imaging and photography. The company was at the top of the Japanese market and ranked the second best in film usage after the United States (Nakamura, 2000). Fujifilm entered the global market and made use of aggressive marketing with low prices. The company’s breakthrough was in 1984 when it chosen to be the official film of the Los Angeles Olympics. Fujifilm took its place in the global market permanently. This made it overtake Kodak’s market share since they offered similar products at a cheaper price. Fujifilm was fast to widen its business scope to printers, digital cameras, optical devices and photocopier. In addition, Fujifilm engaged its services into the health sector by producing medical equipments and machines such as x-ray imaging and chemicals (Nakamura, 2000). Kodak company failure to acknowledge innovation in the late 1970s could be blamed on the management’s approach (Haig, 2011). The management seemed to control from behind the desk right from the headquarters at Rochester. This made them become ignorant about the new inventions in technology and the increasing customer needs. They were advised to embrace the digital technology that they had created in 1975, but the management was reluctant. The main reason why Kodak remained behind was avoiding revolutionizing technology that led to the loss of market shares. This

Monday, September 23, 2019

Personal statment Statement Example | Topics and Well Written Essays - 250 words

Statment - Personal Statement Example I would still love to continue my learning phase and for this reason, I have planned to do my PhD as well. Studying MBA will help me in learning about business knowledge and it will assist me in my long term goal which is to start my own business in real estate sector. My aim is to start my own business in my own country and help my country to prosper. By starting my own business, I will be able to help my country grow and create employment. Even if I have to work for few years to gain knowledge and gain professional experience of real estate industry, then I am open for such challenges as well and ready to get any job to gain experience. I have already worked as a Librarian in University of Business and Technology, Jeddah. This working experience was also helpful and I have learnt a lot from my job experience. In future, I am open for new challenges and ready to explore myself. However, for this I want to start my MBA

Sunday, September 22, 2019

A Woman’s Place Essay Example for Free

A Woman’s Place Essay â€Å"Don’t read so much, he said, don’t study; get yourself good and tired out with homework, take exercise. He believes that her troubles would clear up if she got married. He believes this in spite of the fact that most of his nerve medicine is prescribed for married women. † The primary theme of Meneseteung by Alice Munro is the role of women in times of Victorian traditions and standards. The narrator, who is never identified, explains tasks and qualities that differentiate a real, marriageable woman from an outcast from society. The main character in this story is Almeda Joynt Roth, a respectable woman who has become famous in her small town for her poetry book. She has earned respect and admiration amongst others in the town for her works, but has also been criticized as a woman’s literary ambitions were thought to be hobby rather than vocation. Roth yearns to marry Jarvis Poulter, an idea that the rest of the town supports. Even Roths doctor, who prescribes nerve medicine to help Roth with her sleeplessness, says she would be much happier if she were married. However, Poulter does not find Roth to be a suitable wife and does not pursue her as such because she does not demonstrate the qualities that defined a marriageable woman of the times. The story, then, is not just about the role of women in the society but also about a lonely woman, an outcast of traditional society, and her search for companionship. Roth suffers from insomnia and goes to the doctor to get medication to help with her sleeplessness. The doctor suggests that Roth busies herself with things that are not considered womanly such as studying and writing. Her writing is considered an asset to the community, but not totally accepted as a woman is expected to marry and have a family. The town paper, the Vidette, which contains articles that would often be considered libelous by modern standards considers her young and fit enough to bear children, physically speaking she is marriageable material. The doctor suggests that she wear herself out by performing housewife tasks such as cleaning and exercising so that she may sleep. He also discourages her from reading and writing, as it is not required of her to do these things to ulfill her position in society. He suggests that marriage would solve most of her problems, though the medication he prescribes her is primarily prescribed to married women. The doctor is prescribing a remedy to her problems by becoming a housewife, while also prescribing medication that is given to housewives to treat the very condition she, as a single woman, had come to ameliorate. In the society portrayed in Meneseteung marriage is considered to be a cure-all for many of women’s problems. Why, asks the narrator, has Roth remained unmarried for so long? The narrator suspects that it is partly down to her desolate disposition. A caliginous personality is not one that is considered attractive and people tend to avoid developing social ties to her. Weighed down by burdens such as the loss of her family Roth is a loner with reading, writing, and the hopeless pursuit of Jarvis Poulter as her only aspirations in life and generally just does as she pleases. She dreams of marrying Poulter, an idea that the whole town supports, but he never showed an interest in her as she did not fit the imagine of a marriageable woman of the times. Despite this the narrator portrays Roth to be less of the â€Å"reckless hedonist† and more like a â€Å"tormented artist,† suffering as a result of her art. It is her particularity that makes her an eminent writer, but also not considered suitable to be taken as a wife. Women in this story are portrayed as weak and in need of men. One night, Roth is awoken by a drunk, abused woman at her fence. She is frightened and rushes to Poulter for help, and this is shown as being the first time in the story that she behaves like a typical woman of her time. She is no longer the poised, confident woman that Poulter has come to know her as and is attracted to her desperate vulnerability. Poulter was not attracted to her when she was poised and confident but once he had seen that she was weak, helpless, and in need of him he felt drawn to her as she finally fit the stereotypical image of a woman. Poulter deals with the drunken woman in a cruelly and insensitively and upon seeing this Roth loses interest in him. Poulter asks her to church and she declines and the two never pursue a relationship. Despite being portrayed as weak and in need of men, women are not powerless in marriage. One of a woman’s primary roles is to â€Å"create their husbands† by â€Å"ascribing preferences† to them. â€Å"This way, bewildered, sidelong-looking men are made over, made into husbands, heads of households. † Roth cannot see herself doing this, which urther separates her from the society in which she lives. After her rejection of Poulter’s interests Roth retreats into the vivid aberration brought upon her by the doctor’s nerve medicine and meets her death after becoming the target of menacing youths’ malevolent tormenting. This quote from the doctor, which I have chosen as the most profoundly meaningful, shows the thinking of the times. Women we re to marry to solve their own problems as well as to solve the problems of their husband. This short story is about a woman who is different from the social norm and her search for companionship and stability in her own life, as well as how breaking the norm had its own consequences. Her obsession with reading and writing, which was said to be more suitable as a hobby than profession, set her aside and earned her respect within her community while at the same time driving a wedge between her and a normal life because she did not spend her life marrying, becoming a wife, becoming a mother, and spending her days cleaning and caring for her family like a typical woman of the time. When Roth became vulnerable she became like every other woman and Poulter finally saw her as a possibility for marriage but his actions revolted Roth. The incident with the drunken woman disgusted her into a solitary existence with just her and her hallucinations brought on by the nerve medication prescribed by the doctor. The doctor suggested that by marrying, Roth would not require this medicine despite it being most commonly prescribed for married women. So, then, Almeda Roth could not live with herself as a normal woman yet not being a typical woman is what eventually led to her demise.

Saturday, September 21, 2019

Refugee Blues Essay Example for Free

Refugee Blues Essay The speaker is talking to someone My dear (perhaps his wife), the language and tone is very conversational. Each stanza intensifies the situation in the poem. The first stanza brings out that the refugees are homeless. Though there are millions in the city all of whom have some kind of home but the refugees have nowhere to go. In stanza 2, the couple cannot stay in their country. It compares two living people with the old yew tree. Officially dead means you cannot make passport. This section tells us how the refugees are trying to get help. The refugees cannot leave the country due to lack of passport and hence they are described as officially dead, though they are indeed alive. The refugees are treated coldly by the committee and council. They are politely pushed aside but no real help is offered. At the public meeting the speaker demonises the refugees as thieves. This is made to incite ordinary people to hate Jews. A metaphorical storm breaks over the whole of Europe continent as hitler sentences them to death. The tone of the final stanza is very bitter. The comparisons that the poet uses are testimony to these; Pet animals are treated better then Jews. eg: saw a Door opened and a cat let in; Fish are free and Birds are free, Poet blames nazi regime for creating an environment in which natural things act far much better than humans. The poet further uses cruel contrast. For e. g. : he has a dream of a huge building with many rooms for everybody except Jews. In the final stanza the poet enlightens a brightening future for the Jews but now Jews are hunted down by 1000s of people.

Friday, September 20, 2019

Case Study Of A Functional Health Pattern Assessment Nursing Essay

Case Study Of A Functional Health Pattern Assessment Nursing Essay The following Functional Health Pattern assessment is based on a 65 year old Scottish woman who lives independently with her husband in their home at Happy Valley. The purpose of the interview was explained in addition to an outline of the types of questions which would be asked during the interview. A copy of the interview questions were provided prior to the interview (Appendix 1) so the questions would be familiar, and to minimise any embarrassment. The importance of maintaining her privacy and the necessity of choosing a pseudonym was discussed which she perceived as great fun. She chose Patricia as she thought it was rather a posh sounding name and one which she had always liked. At the beginning of the interview the confidentiality aspects were reiterated to which Patricia indicated verbal permission for her information to be disclosed as applicable and appropriate with due regard to her ethical and legal rights (ANMC 2008, p.4). Patricia was advised any questions which she did not feel happy answering could be skipped in order for her to feel comfortable within the interview environment. That said however, Patricia stated she was happy to discuss anything and was keen to progress the interview. Health perception/health management pattern An outline of the clients perceived pattern of health and wellbeing and how health is managed (Gordon 1994) Patricia perceives her health to be reasonably good, not 100%, but fairly good for her age. She stated she has always strived to live a healthy lifestyle and believes that her employment as a Diversional Therapist within an Aged Care facility keeps her young and fit as she walks around the facility countless times throughout the day attending to residents lifestyle needs. Patricia presents as a much younger person than her biological age and attributes this to working fulltime and walking somewhere in the vicinity of approximately 3 kilometres per day 5 days a week. The risks of developing cardiovascular disease are greatly decreased by regular exercises such as walking and aerobic activity in addition to increasing the benefits of physiological and psychological wellbeing (Crisp and Taylor 2005, p.920). Although Patricia takes medication for the management of Hypertension (High Blood Pressure), diagnosed in 2009, she feels that it is well controlled and does not impact on her ability to perform her role at work, undertake housework or participate is recreational activities with her family on weekends. When not controlled, Hypertension puts strain on the heart, damages blood vessels in the kidneys and damages the retina, resulting in a loss of vision (Herlihy 2007, p.331). As Patricia already suffers vision problems it is imperative her Hypertension is regularly monitored. Patricia regularly attends her doctor and believes it is important to adhere to any recommendation or treatment administered by the doctor. She advised she would be too scared not to do so in case something bad happened to her so she complies implicitly. Although Patricia would like to have private health insurance she feels that it is too expensive. She is satisfied with the Medicare system and believes it meets her needs adequately. The necessity of installing aids or changing any aspect of her home to increase safety or prevent accidents has not been necessary. She believes she has not come to this stage of life just yet and feels confident in her ability to manage her household as is. Nutritional metabolic pattern An outline of the clients pattern of food/fluid intake relative to metabolic need and nutrient supply (Gordon 1994) During a 24 hour period Patricia usually consumes three main meals and rarely has snacks during the day when working. She believes her job influences her eating pattern during the week as she only has a 30 minute lunch break which leaves little time for large or extended meals. In the 24 hours prior to the interview Patricia consumed cereal, herbal tea, water, yoghurt, orange juice, fruit, vegetables and muffins. During the week she feels her diet to be balanced and more than adequate. Patricia is a Vegetarian based on her religious beliefs, she has no food allergies but does modify her diet regularly based on her body image and weight fluctuations. Research suggests people who potentially suffer from a binge-eating disorder have a history of weight fluctuations and obesity (Edlin et al. 1997). On the weekend when she spends a lot of time with her family and grand children she admits she consumes more snacks, fast food and foods considered to be empty of nutritional value such as potato chips, lollies, ice cream and soft drink, particularly when in company with her grandsons. Patricia laughingly classes herself as a weekend social eater. In a recent article (Abedin 2009) indicated, adults tend to eat more when they are around friends and family than when eating with strangers. Tooth decay is primarily caused by circulatory changes, poor dietary habits and poor mouth or dental hygiene (Murray Zentner 1989, p.470) and as a result Patricia has top dentures although they do not inhibit her ability to eat nor restrict the types of food choices available to her. There have been no significant changes to her diet as she has aged due to the vegetarian menu she eats for her main meals, however she stressed that she does overeat rubbish food with her grandchildren. However, when questioned if this overeating has primarily occurred since becoming a Grandmother she sheepishly admitted it was probably a lifelong habit. Sometimes she has noticed significantly lower energy levels particularly in the afternoon but Patricia believes this to be based on the expectations of her job and possibly age rather than indications her nutritional intake is a contributing factor. When queried if her Iron and Vitamin intake were sufficient based on the fact she doesnt eat red meat Patricia stated she didnt think it caused her a problem, nor had her Doctor ever mentioned any need for additional supplements. Research has shown (Hunt 2003) people on a vegetarian diet get all the iron they need by eating iron rich foods, including legumes, green leafy vegetables and fortified breads/cereals although iron will be less available for absorption than in diets which include meat. Hunt (2003) suggests, vegetarians should consider consuming vitamin C, or citrus fruits to improve absorption ratios in order to balance out nutritional requirements. No issues were identified in terms of hair loss, increased facial hair growth, skin disorders or nail growth. Patricia maintains a regular skin regime to promote health, elasticity and prevent wrinkles. Her skin appears well hydrated. Patricias hair and nails were similarly maintained. Elimination pattern An outline of the clients pattern of excretory function in relation to the bowel and bladder (Gordon 1994) When reflecting on her voiding pattern Patricia stated she voided approximately three times per day dependent on her daily schedule and her fluid intake, and about the same amount at home in the evening. Patricia experiences no problems with bowel elimination and has never utilised suppositories, supplements or other medication for either constipation or diarrhoea. She uses her bowels twice a day and believes the amount of fruit and vegetables consumed within her diet coupled with her fibre based cereal every morning sufficiently meets her needs. Alteration in elimination patterns can sometimes indicate signs or symptoms of issues within the gastrointestinal system (Crisp and Taylor 2005, p. 1325), but this does not appear to be applicable in Patricias case. Activity exercise pattern An outline of the clients pattern of exercise, and physical activity (Gordon 1994) Exercise which keeps the heart pumping and working steadily for about 20 minutes per day improves fitness, reduces the risks of heart disease, obesity and maintains mobility (Peterson 2004, p.625). As discussed in the health perception/health management pattern Patricia walks reasonable distances during the day at her place of employment. In addition to the walking she conducts gentle Exercise Classes for the residents at the Aged Care facility twice a week. She feels she has sufficient energy to participate in, and conduct, these classes and they form the basis of her regular exercise pattern. Sleep/rest pattern An outline of the clients pattern of sleep, rest and relaxation (Gordon 1994) Patricia says she thoroughly enjoys sleeping and will generally achieve 8-9 hours per night which she thinks provides her with ample rest and recuperation from her daily activities. According to Crisp and Taylor (2005), the amount and quality of sleep decreases in the older adult, however Patricia has neither noticed nor experienced any significant change to her sleep pattern in many years. When Patricia was approximately 10 years old she used to sleep-walk but has since outgrown this problem. She states she awakens at 0300 every morning regular as clockwork to go to the bathroom but experiences little difficulty returning to sleep. Cognitive/Perception pattern An outline of the clients cognitive and sensory perceptual patterns (Gordon 1994) The average brain shrinks approximately 5-10% in weight between the ages of 20 and 90 resulting in a decrease in working memory, however, the brain can adapt and grow new cells, but this is dependant on physical activity, stimulation and learning (Santrock 2006). Patricia believes the constant mental and physical stimulation of her job keeps her brain active as evidenced by the successful completion of recent study. She is a keen crossword puzzler and novel reader which she feels supports her cognitive functions. Of the five sensors the most significant change has been to Patricias vision as she has aged. Patricia wears glasses for reading, computer work and magnification for everyday activities. She has her vision tested every three years and upgrades her eyewear as recommended by the Optometrist. Patricia has not noticed any change in her ability to smell, hear, or touch but admits to a taste change over the years from sweet to savoury flavours. Self perception/self concept pattern An outline of the clients self concept and perceptions of self in relation to body image, self worth and feeling states (Gordon 1994) Of the most interest and focus, and highlighted throughout this assessment, was Patricias image of herself. Although she states she is reasonably satisfied with her current status in life and what she has achieved for herself and her family, her perception of how she looks demonstrates issues around physical dissatisfaction, possible low self esteem and a lack of confidence in social situations. Erikson (1965) theorises maintaining a positive self image and feelings of self worth is essential in order to achieve a successful transition to old age despite changing abilities and limitations. She clearly states she doesnt feel old at 65 years however she believes her weight issues affect her ability to feel confident when she pursues recreational and social activities. Physical ideals and social stigma value a thin body, which society symbolises as peoples ability to discipline their appetite and restrain themselves from overeating (Germov 2005). Patricia states when she is at work and performing tasks which she perceives are within her capabilities she feels competent and happy within herself. It is only when she is required to enter the social arena she is faced with unhappiness and dilemma about her body image. Those who are overweight are subject to stigmatism for being different and falling outside of the social norm (Germov 2005). On occasion she will refuse to go out with friends or feels upset about her selection of clothing and fit, negatively believing she will be an embarrassment to friends and family due to her size. When she does socialize outside of her immediate family circle she tends to sit quietly and not draw attention to herself especially if the social event has a number of well dressed and slim women in attendance, and particularly if she sees them as being of a similar age bracket to herself. A thin body is viewed by society as the essence of beauty, sexual attractiveness, social status, health and occasionally moral worth (Germov Williams 2004). In recent years Patricia states although she does not perceive herself as being either old or tired she admits to using her age as an excuse to decline invitations to attend social functions based purely on the fact that she is not comfortable with her body image. Although she is eligible for a Seniors Card, which is based on age, Patricia refuses to apply for it stating adamantly that she is not old and does not like the connotations that ownership of such a card implies. She says she does not class herself as a Senior and therefore a Seniors Card is not required. When the possible benefits of the Card were discussed her prompt response was a definite, no thankyou, maybe when Im 80. Role/relationship pattern An outline of the clients pattern of relationships and role engagement (Gordon 1994) Patricia is a mother, grandmother, aunt, wife, sister, friend, employee and work colleague. She views her primary roles at this stage of her life as being a wife, grandmother and employee. She enjoys close relationships with her three daughters. Since the recent death of her only sister, her husband, children and two nieces are the only remaining family in Australia as her parents are deceased. She has no contact with distant relatives in Scotland. Patricia has a select group of friends but feels as a result of her work commitments during the week, coupled with family commitments, she has little spare time to socialise with friends. She does not belong to any social groups and mentioned that she thought social groups were a waste of her time. Murray and Zentner (1989) state some factors may inhibit older people from pursuing recreational activities based on a perceived poor usage of time, conditioning to appear busy, fears about the future and the lack of previous opportunities to pursue a hobby or new interest. Sexuality pattern An outline of the clients reproductive and sexuality pattern (Gordon 1994) At the age of 16 years old Patricia began menstruating. Patricia experienced no difficulty during her three pregnancies and has never suffered a miscarriage. Since she began menopause at the age of 45 years Patricia has experienced minimal interest in being sexually active and cites a definite loss of libido however she did indicate her sexual needs were abundantly met. Eden (2002, p.53) argues womens sexual desires fluctuate over the years with highs and lows, commonly coinciding with major life changes such as menopause. Patricia says she has a tilted uterus which causes her no problems, pain or issues during sexual intercourse. The uterus normally lies in an anteverted position with statistics showing approximately 20% of women have a retroverted or tilted uterus without experiencing any problems during their life (Andrews 2005). She experiences no embarrassment when openly discussing issues of a sexual nature, nor did she find it difficult to talk about sex education with her daughters. Patricia believes due to it being a taboo subject with her parents when growing up it has influenced her to be very open with her own children. A good health maintenance plan includes regular health screenings, including Pap Smears, self breast examination and mammograms (Leifer Harrison 2004, p.215). Patricia states she consciously adheres to preventative health measures. Coping/stress pattern An outline of the clients general stress tolerance and coping mechanisms pattern (Gordon 1994) The stress Patricia feels when she is at work relates to her supervisor who Patricia states is not as supportive as she would like. She does however have other colleagues at work with whom she can debrief as required. She cites her husband as being her primary support and states they have always talked through as a family any issues which may impact on her coping mechanisms. A recent significant stressful event was the marriage and untimely death of her only sister whilst on honeymoon and the subsequent fight over her sisters Last Will and Testament which occurred between the new husband and her nieces. Again her husband and daughters were her primary means of support during this time although she did consider accessing professional counselling. Being aware of what causes stress, how you react and having a network of support are all strategies which can help you to manage and control stressful events (Andrews 2005, p.59). Patricia feels she has accepted the outcomes from this event and moved forward. Patricia does not drink alcohol, use medication or take drugs to relieve stress but will comfort eat and compensate with food on occasion resulting in weight gain and subsequently poor body image and what she terms mild undiagnosed depression which she says never lasts for very long. Value/belief pattern An outline of the clients pattern of values, spiritual beliefs and goals determining choices or decisions (Gordon 1994) An individuals sense of spirituality can be influenced by culture, life experiences and religious beliefs (Brush 2000). Patricia is a practicing Mormon and spiritual person. Her family and faith have always been the most important part of her life. She has been married to her husband for 42 years and values her relationship with him. Recent goals have included completing a TAFE Course at age 63 years and resettling into a newly purchased home which she feels have all been guided by her faith and spiritual beliefs. She believes she has enjoyed a rewarding life and has always been a big, happy, bubbly person. As indicated in previous patterns Patricias body image pervades all patterns of her life suggesting a lowered perception of self. Conclusion Patricia presented as a reasonably healthy woman for her age. She is active and mobile, she feels healthy, her skin, hair and nails look nourished, and her living environment is clean, well maintained and comfortable. Patricia is aware of the need to maintain her health and undertakes preventative measures in order to continue her good health record. The diagnosed hypertension she experiences is appropriately monitored and medication is religiously taken and reviewed regularly. Similarly her need for glasses to assist with vision is regularly checked with her eyewear strength updated as required. She has excellent support, and gains spiritual strength, from her husband, family, friends and religious beliefs. She enjoys positive relationships with many of her work colleagues and has sourced alternative mechanisms for debriefing when work becomes stressful. The benefits of Patricias continued working lifestyle assists in her remaining physically and mentally active, slows her aging decline, provides a social aspect which she enjoys, and allows her the financial means to ensure a comfortable lifestyle. Although Patricia carries an excess amount of weight primarily at her thighs, hips and buttocks, this does not appear to detract from her general feeling of physical wellbeing although her body image and perception of herself were highlighted negatively in more than one pattern. Interestingly, when discussing her self concept pattern Patricia displayed a number of behaviours suggestive of altered self concept, i.e. avoidance of eye contact during such discussion, putting herself down, and being overly critical of her appearance (Crisp and Taylor 2005, p.500). However, Patricia believes she recognises when she needs to diet or make efforts to reduce her calorie intake and assume more restrained eating habits. Patricia states she felt comfortable throughout the interview and believes the assessment process effectively established, maintained and concluded interpersonal communication openly, and in a friendly and supportive manner (ANMC 2008). Overall Patricia felt the questions allowed her to positively reflect on her health and wellbeing status (Puentes 2002) thus, reinforcing her belief that she is aging well and maintaining her lifespan appropriately.

Thursday, September 19, 2019

Rhetorical Analysis of McKibben’s Article, Power Play Endangers Hawaii

Rhetorical Analysis of McKibben’s Article, Power Play Endangers Hawaii's Rain Forest Protecting Hawaii’s rain forest from the invasion of Corporate America is Bill McKibben’s intention as an environmentalist. His 28-paragraph article, â€Å"Power Play Endangers Hawaii’s Rain Forest,† appeared in Rolling Stone, a popular culture magazine, on May 31, 1990. He argues that producing power through geothermal drilling harms the Wao Kele o Puna rain forest, the environment, and the people that live nearby. He also presents alternative methods for power, hoping that people will consider these, such as solar-water heating systems and energy efficient gadgets. Unfortunately, his elevated, subjective stance and attempt to convince his audience through emotion distracts the reader from considering the other side of the argument because he appears to be a reliable, educated author. McKibben’s writing style makes it difficult for readers to truly understand the argument he presents; therefore, they are gullible to accepting his opinions. McKibben embarks on a rampage in this article, seeming to continuously ramble on with concepts that fly over the average person’s head. He uses words such as â€Å"Class C forest,† â€Å"A-2 forest,† â€Å"peak-load electricity,† â€Å"geothermal drilling,† and â€Å"hydrogen sulfide emissions.† McKibben must not be thinking of his audience because for the audience to grasp his argument thoroughly he needs to define these concepts well. If he were writing for a science magazine in which his audience would be well educated in environmental issues, his writing style would be accepted. But this article appeared in Rolling Stone where the audience is not educated on these issues. His bitter and intense voice makes the reader feel as if th... ...and often sits in the dark when the sun is not out to express his dissatisfaction with exploiting the resources of the rain forest. McKibben inserts this example because it makes the reader feel that he has an obligation to save the rain forest at the expense of their comfort. Therefore, McKibben’s tactics aim to move the reader into an emotional ride of responsibility to the rain forest versus living life normally. In conclusion, McKibben’s writing style and use of pathos sway the reader to accept his argument as truth even though his arguments may not be valid. Since McKibben portrays himself as a credible author, the audience believes him especially because he is writing to the general public through a pop culture magazine. The issue of preserving the rain forest versus using the resources that it provides will continue to be in debate in the years to come.

Wednesday, September 18, 2019

Alcohol and Drinking - Alcoholism :: Exploratory Essays Research Papers

Alcoholism It was a rainy Wednesday afternoon and little Tommy was struggling to cross the slippery puddle- filled streets. The crossing guard at the corner felt a tug at her leg and it was Tommy waiting to cross. He waited patiently at the corner until traffic seemed to clear. The crossing guard began to lead Tommy across the street when out of nowhere a car sped around the corner and without acknowledging the crossing pedestrians, ended little Tommyà ¾s life. Tommyà ¾s parents were called at work and notified of the horrible accident. Through all the gory details they received the same awful truth that is heard by millions every year, Tommy had been killed by a drunk driver. Alcoholism is an epidemic in America that affects the lives of many. Alcoholism, as a disease, affects the individual, the family, and society as a whole. Families are torn apart, domestic violence occurs, and innocent bystandersà ¾ lives can be changed forever, just like little Tommyà ¾s. Drunk driving is just one of the many issues involving the abuse of alcohol. Alcohol abuse can lead to further drug and substance dependence. On the individual, alcohol damages bodily processes and organs, and affects personality and temperament. An approach to treating this serious illness is group therapy and individual counseling. The severity of the problem and the willingness of the patient will determine the extent of treatment he or she will undergo. Though there are many aspects of alcoholism, a major issue at hand is whether or not alcoholism is a genetically inherited disease. Through research studies and surveys, it is evident that alcoholism is, in fact, genetically inherited. Genetic makeup is not the only factor, however. Environmental influences can foster genes and motivate a person to drink. Many people drink due to a neurological imbalance (which causes a psychological disorder). Others use alcohol as an outlet to their daily stresses. There is even a group of people who become alcoholics with an unknown motive. Alcoholism is a disease with many dimensions. This disorder begins as early as childhood and elevates throughout adolescence to its prime stage in adulthood. The early years are the crucial determination point. If a child grows up with constant exposure to alcohol, they will most likely pattern their behavior after the role model. This is how the whole cycle continues. It is unfortunate that so many Americans a re affected by this disease and they are not even aware of it.

Tuesday, September 17, 2019

Arthur Schnitzler’s dream story Essay

The focal point of this paper is to discuss and evaluate Arthur Schnitzler’s ‘Dream Story’ in the light of the inevitability of the conflict between desire and social responsibility. The source text is the translation of the original German work ‘Traumnovelle’ by author Arthur Schnitzler. The translation is done by J. M. Q. Davies. Arthur Schnitzler was an Austrian doctor by profession and was a noted author of his time (1862- 1931). His noted works includes Dying, Lieutenant Gustl, Berta Garlan, Blind Geronimo and his Brother, The Prophecy, Casanova’s Homecoming, The Road into the Open, The Green Cockatoo, The Lonely Way, Countess Mizzi and Living Hours. Dream Story was written in 1926 and is regarded as a novella by the critics. It could be enumerated as a plot that ventures into the inner self of Doctor Fridolin and narrates the incidents from his psychological perspectives and the eventual transformation of his self. The entire episode is formulated over a relatively brief period of time spanning over a period of 48 hours. Within this short time span Arthur Schnitzler incorporates several characters that Doctor Fridolin meets and which the author imports to create a world of affairs that provides us a clue of the circumstances that are inevitable in the immediate future. This immediate future culminates into the development of a masquerade ball where the author culminates several events that are wondrous in nature with the presence of individuals in masks. There is a flurry of sex involved with the indication of danger where Doctor Fridolin finds himself to be placed as a total outsider. Everything in this episode is projected as a point of view that is seen from the perspective of Doctor Fridolin. This part appears to be presented predominantly as a metaphor of Doctor Fridolin’s inner self of desire and lust. This episode of masquerade ball adds to the mystery of self discovery of Doctor Fridolin. Here the self discovery of Doctor Fridolin could be enumerated as a decent into the abyss of his self image. This is also a transition of relations among people in a certain sense too where the outer world is found to be involved in the changes along with individual shift of priority of life and discovery of greater truth of nature within the parameters of social norms. This novella could also be depicted as a plethora of symbolism and imagery where a person revels himself to the audience and the inner self at the same time that is predominantly psychological in nature. Arthur Schnitzler was a friend and contemporary of the noted psychoanalyst Sigmund Freud of Vienna. However, these two men had opposite theories, if not different, on human sexuality. Arthur Schnitzler firmly believed that the course of action of human sexuality is dependent upon instinct than anything else. But despite all the differences it is evident that a heavy influence of Freud can be felt while going through the text. This is exactly what is reflected in his novella ‘Dream Story’. For an age of 1920’s it is obvious that his views along with this work was extremely shocking as a subject and its narration as the basic conceptualization of the novella is based on the sexual fantasy of a couple and the eventual defoliation of relation due to these fantasies. On the other hand this novella could also be taken up as an account of truth, permissible or not, that is juxtaposed within the system of marriage and self individuality. The storyline zooms in the intimate conversation of the primal characters Fridolin and his wife Albertine. They are basically quite affluent and respectable in Vienna. The wife is found to be an able home maker where the central position is occupied by their daughter who is six. The conversation takes off when the little girl is put to the bed. The subject of the conversation is about the masquerade ball that they attended. Initially the dialogues were kept into the parameters of the adventures of Fridolin and his wife Albertine in the mask ball. Soon, the conversation developed into the stage where they revealed to each other that if there was enough chances and coincidences along with favorable situations both of them would have been unfaithful to each other. For the man it was a fifteen year old girl and for the wife it was man with a yellow suitcase. Both of them wanted to take revenge on the other and before the dialogue was able to unfold into greater adversaries they were interrupted by an emergency call from a patient. The doctor had to leave. From this point the novella turns into an intermingled atmosphere of mystery, fantasy and fairy tale mode. Doctor Fridolin is approached by numerous women for sexual pleasure or otherwise and Doctor Fridolin passes from one woman to another and ultimately ending up into the midst of a masquerade ball where the password appeared to be â€Å"Denmark† and as his friend told him there would be lots of naked women. But there is problem with this secret society. If one is identified as an outsider there is sure to be trouble. Doctor Fridolin is soon traced out as an outsider but is saved by a mystery woman. Now the paradox of social responsibilities and desire completes a full circle as the author indicates indirectly the identity of this mystery woman. This is because there is every chance that this woman is Albertine, but with no specific proof for Doctor Fridolin. Thus the social responsibility of a wife towards her man is completed successfully by the mystery woman if the woman is indeed his wife. Now if the mystery woman is really his wife Doctor Fridolin has every reason to be cheated as she appeared in the orgy. But at the same time Doctor Fridolin himself had every intention to join the orgy. Thus the paradox continues. Either it is desire that is to be forecasted and relished by an individual or it is important to engage into the human spirit of social interest? The answer appears to be cleared by the author himself in a way, though not in a very vivid manner, as he puts the social relation between a man and a woman hanging without ramifying the norms of the society by a large extent. Doctor Fridolin is saved by Albertine and that seems to be the bottom line of the story where the man understands the value of social bondage after an outrageous adventure of inner self. Reference Schnitzler, Arthur; Dream Story; translated by J. M. Q. Davies; Penguin Books; 2005.

Monday, September 16, 2019

“Brown girl, brownstones” by Paule Marshall Essay

Plot summary The prose fiction Brown girl, brownstones by Paule Marshall, is a bildungsroman with autobiographical elements, tracking the life and experiences of the main protagonist, Selina Boyce and the family and friends in her life. Marshall uses various elements and techniques in the prose, to bring about different themes, characteristics and aspects in her novel. The text is set mainly in the 1930’s Brooklyn, New York, at a community of brownstone houses occupied by the Bajan immigrants. Though there are various perspectives of other personas in the prose, Marshall uses a third person narrative to show the first person perspective of Selina. The story begins with Selina at ten years old and continues until she is no longer a minor. It shows the theme of identity as Selina is trying to find who she is amongst members in her family. â€Å"But they have taken no photographs†¦Ã¢â‚¬  was one of the first time Selina’s loneliness can be seen in the text. She is jealous of the fact her parents took photographs of the family before the death of her infant brother, yet took no keepsakes of hers. Then it goes on to where Marshall is a very descriptive narrator, using a cinematic effect in her story telling. The scenes shift continuously to suggest simultaneous action which produces a dramatic effect that helps to build conflict and suspense. She also uses devices and diction to bring about various themes and symbolic elements in her text. She uses the technique of epigraph to start each chapter, it is a type of foreshadowing, hinting of what will happen throughout the chapter. It also helps to characterize individuals in the story. Contrast is also a reoccurring technique in the text, as characters such as Silla and Deighton, Ina and Selina, have contradictory personalities. There is also contradiction in the symbols and diction in the text. Words such as ‘winter’ and ‘Sun’, ‘darkness’ and ‘light’, are contradictory symbols referring to the characteristics of individuals such as Selina’s parents in the text. The write r involves the use of the Bajan dialect as well as English, as if trying to incorporate the reader in the culture of Barbados and also add credibility and realism to the story. It suggests pride in the Bajan culture. The author uses various figurative devices in the text. There is a heavy focus on the use of personification and architectural imagery. Symbolism is evident in the prose; using colors such as red to represent romance and sexual relationships; and white, and  brownstones to represent upward mobility, status and unattainable goals. Land in the text is also symbolic of independence and opportunity. The use of conflict, such as; mother-daughter, husband-wife, black-white, is brought out by the symbols and conflicting elements in the prose. It shows the destruction in relationships, and accentuates climatic moments, such as when Deighton, used the money Silla stole from him, or when Silena told the whole Bajan association, she’d tricked them. Marshall uses devices such as; imagery, epigraph, motif, foreshadowing, pathetic fallacy and biblical allusion, to show racism, identity, women in society, family, deceit, and various other themes in the prose fiction. The denouement, begins with Silena recognizing who she is and making final decisions for herself. After all her trials and lost relationships, she finally covers her identity, accepting who she has become, the trials she is yet to face and the people in her past who has made her who she is today. Especially her mother, whom she had always fought against. Rational The life of Deighton Boyce, was the subject chosen for the poem between many view Deighton as a problem in the text Brown girl, brownstones, giving him no sympathy. The poem was intended to convey sympathy for Deighton. His life in the poem is specifically intriguing as though he causes many shifts in characteristics of others in the text, his own life is not emphasized. The poem will hopefully give an explanation of the circumstances surrounding the issues of Deighton death, and his life. Mocking Jay I saw a song bird fight a bird of prey, Beautiful-ugly, he was, filled with sorrow, was she. Night and day, He sang a tune of love and wonder, She sang back of vicis and plunder, I tried to save that mocking Jay, But the night stole him away. Where are you my mocking Jay? Trapped in the tomb of brown stones? Your young are calling, where are you? Won’t you fight the snow away? Don’t you hear the light’s moans? Has she trapped him too? No longer perched on your window silla They’ve clipped your wings You’ve destroyed their prison The flock screams their Bajan banter Fly away home my mocking Jay Swim home my song bird But, mocking Jay’s never dive†¦ I’ll send a new light your way†¦ For you to see through winter’s clock†¦ To save your flock†¦ To blind your eyes†¦ And save you from the dark†¦ Shattered tunes of my broken song bird Remember your prayers Eulogy. The sad broken memory. The life you ran away. Dead like marrow staining the asphalt. Staining corals a sea away. Songs long dead, I’ll sing them to you. I’ll pray your tarnished soul away. Deighton, my mocking Jay. Analysis The poem â€Å"mocking Jay†, is a kind of stanzaic elegy, in tribute to a character in the prose text â€Å"Brown girl, Brownstones†. The poet uses the mimicking bird, mocking jay, to represent the character Deighton in the prose text. Not only do mocking jays have a gift in music, which was one of the professional genres Deighton attempted, but they repeat everything sung to them in a mocking manner. Deighton, like these birds, reflects a mocking version of the negatives surround him; from using the money his wife stole from him, to purchase frivolous gifts to spite her; to changing his course of study every time he is confronted with racism or barriers. Deighton also  has the dream like (surreal), and fun loving attributes common to these birds. The poem comprises of four sestets, a couplet a single line and a septet. The stanza formation, is quite symbolic. The first stanza is the first of the four sestets. At the end of each sentence in this sestet is a comma. This represents the fact that this relatively pleasant chapter in his life is not yet complete, it won’t end in a ‘happy ever after’. It is as if to say that the beginning of their relationship was an unfinished dream. The second sestet ends in a question within, as if questioning the relationship, not understanding the change in the relationship and in Silla. The third sestet ends without punctuation is representative to all the times Deighton and the audience were waiting to see Silla’s response to sightings behavior. The final sestet concludes with â€Å"structured-chaotic† punctuation, of when Silla’s revenge unfolds it was chaotic in the circumstances of deportation, but structured in that it was her plan all along. Combining with the lack of punctuation, the couplet of stanza five signifies hi s never ending pain. It symbolizes that, as the lack of punctuation prevents the sentence from truly being complete, his pain and suffering will not end even in the afterlife. The single line consists of one word â€Å"Eulogy†, this refers to the speech given at a funeral or a recollection of the past doings of an individual after he is dead. This word being the shortest stanza, represents the lack of quality and memorabilia Deighton has left behind with his children. The final stanza a sestet can be tied to the biblical representation of the day God rested. The number seven represents the change that occurs after an accomplished cycle. Deighton, accomplices all he could so the last stanza represents his death the final rest he accomplished after his life cycle. The poem has a steady rhythms. Though not all stanzas have a structured rhyme scheme, the poem still flows as if it does. It is like the steady yet unusual flow of life, just as the poem is a depiction of Dighton’s life as was repre sented in the prose fiction. The first stanza contains a set of rhyming couplets, repeating the first rhyme in the last stanza (an â€Å"a, a b, b a, a† format). The last rhyme however is a forced rhyme, this is there to show that leaving the omnipresence was not something the Jay wanted, but was what was forced on him. The second stanza consists of alternate rhymes that emphasize the questioning in this stanza, that he is running alternate scenarios in his mind as to why the wife who used to love him hates him so  much now. The fourth sestet has the last rhyme, â€Å"clock† and â€Å"flock†. This symbolizes that the time he has left with his children is limited as his death is nearing. The rest of the poem is rhyming going parallel to the pores fiction as explanations are revealed in the story, the confusion and rhyming stops. The poem commences with the omnipresent narrator giving a visual imagery of the meeting between two contradicting birds. The â€Å"song bird† represents something happy, passive and peaceful, while â€Å"bird of prey† represents something sly, dominating and warlike. The story continues with oxymoronic inverted syntaxes of line two, that helps to emphasize that the creatures have contradicting personas and that their union could never last as it was based on confusion. Just as in the prose fiction, Silla thought she could turn Deighton into someone he wasn’t, and failed. The diction used in the first stanza such as; â€Å"vicis†, â€Å"Jay† and â€Å"Night†, aid in displaying the theme of conflict in relationships. ‘Vicis’ is the Latin word for change, in reference to the context it highlights Silla’s need to change her husband’s persona and fight to create a life for them that he never wanted. The capitalization diff words such as Jay and Night, personify these nonhuman objects, in the case of the Jay it helps to emphasize this being a character trait of Deighton, while the Night highlights Silla’s character as bright cold and heartless, but at that time seeming beautiful and peaceful . Lines three and four of the first stanza also help to concretize the theme of contradictory persons in relationships, displayed in the first stanza. Stanza two is a rhetorical question sestet, it constantly asks questions the ‘Jay’ is obviously unable to answer, and these are symbolic of the time where the relationship between Silla and Deighton was confusing. He didn’t know where she stood, whether still in love with him or hating h for the injustice she believes he did to their son, the first line emphasizes this. It follows with a reference to the brownstone house Silla spent a majority of the text fighting to obtain. The use of diction such as â€Å"prison†, â€Å"brown†, and â€Å"stones† was a slight pun as a Jay would find a house made of stones a prison, and juxtaposed with the text, it can be said that Deighton saw the house his wife fought so much for was like a prison to him, and a symbol of his failures in his relationships and providing for his family. Line two is the first and only mention of their children in the poem. This is symbolic as it shows that not only did Deighton not spend enough time  with them and focused more on himself, but he also failed as a father in that he couldn’t protect them from the â€Å"snow† which is a personified symbolism of his wife. The personification of the ‘light’, at the end of the stanza references all the happiness and innocence still in the family. When the persona asks about the moaning light that ‘she’ has trapped it means that he was unable to prevent the happiness and life from leaving their family, this aids in uncovering the themes of failing one’s family and loosing things that are important. The third stanza has the most textual allusions, the stanza opens with a pun, â€Å"window silla†. As a bird a sill is somewhere you can rest, be at peace like a home, in this means Deighton no longer feels at home in the browns stones. Silla is also the name of his wife so it can mean that he is also no longer feeling happy in his marriage, as shown in the text queen he began going you the house form his mistress in the nights. â€Å"They’ve clipped your wings† line two of the stanza refers to when he almost got his arm amputated due to his indolence. This is symbolic as it is a physical representative and slight foreshadowing of how his time was ending. The next line refers to the song they sang to him at the wedding. The ‘f’’, ‘s’, ‘th’ and ‘b’ fricative and plosive so funds of the fourth line in the third stanza, emphasizes the running and the drama happening in that scene of the text. The ‘swim home’ in the last line of that stanza references the Caribbean since Islands in the Caribbean are surrounded by water. The last sestet refers to the last actions before Deighton’s death. It starts with a pun, on Deighton’s childhood, as he dived for the coins white men through at him, and also an allusion to him diving to his death. The ‘new light’ is symbolic for Deighton’s religious period, where the movement of the new light helped him to finally discover himself, though completely swiping his personality. ‘winter’s clock’ is symbolic for Deighton’s attempts at going back in time to rectify the problems mainly caused by his relationship with his wife. The couplet, single line and septet, is after his death. People have pained cries due to morning Deighton’s death. The mansion of Prayers refer to his newfound beliefs and Eulogy is the speech given at a funeral. The final stanza is technically the omnipresence’s eulogy for Deighton, though it shows that he is not someone people will remember with respect. It speaks of how he could have had a life if he’d made different choices. It gives an image of his death at sea, and  its connection to his past in the Caribbean. It then shows the general sadness surrounding his death, and accentuates the theme of death in the text. The poem changes from a tone of observation, to unease, to sadness. Hopefully bringing out an overall sympathy for the persona. Though it is not a total rhyming poem, it still has a flowing rhythms that showcases the life cycle of Deighton, as shown in the text. Conclusion The text Brown girl, brownstones, is an excellent depiction of women and men in immigrant communities. Most persons generally sympathize with the women of these communities, however this poem has hopefully garnered a positive response to men in these communities, and those shown in the text. This may help persons to recognize that women were not the only ones with problems in the text. The blame for these conflicts also, should not be solely the fault of males like Deighton, in the prose, but equally shared between each individual, and characters in the prose fiction.

Sunday, September 15, 2019

A Comparative Study on Family Education

Abstract: In a lifetime , family is the first school , in which parents are the first teachers for the children . Children are the hopes of a nation , and family education is the elementary education for children . There are many types of family education in the world and each of them shows distinctive features and is closely responsive to its culture . And American family education is the most famous one among them . There are great differences in the concepts of education , aim of education , methods of education and contents of education between American family education and Chinese family education . This thesis will complete the comparative study from the differences , the reasons and the results of family education between America and China . The author hopes to find a satisfied family education method through comparing the differences between American family education and Chinese family education . At the same time , the author hopes this thesis can provide some helpful suggestions for family education in order to make children grow more healthily and roundly . Keywords: family education childeren differences education for all-around development Main Body: . The differences of family education between America and China: 1. The concepts of family education are different . The different education concepts between America and China lead children to receive differert education . In China , many parents only care about whether the children have a promising future , a good job , a good life or not . Based on these expectations , the majority of parents feel that their responsibility for their children is to create as good conditions as possible they can so that the children will not worry about anything in the future . Chinese parents would like to provide everything what they can for their children in the process of children’s growth . In short , they would like to sacrifice anything if their children can live better with their help . Therefore, in the process of children’s growth, the most important thing the parents concerning is to develop their children’s intellect , except for caring children’s daily life . In order to make their children have a good performance in study , become outstanding , or even become a famous person n the future , they would not let children do anything except studying . Contrastively , American parents generally believe that the growth of childeren must rely on their own strength and experiences. Based on this concept , most American parents emphasize more to train their children’s ability of independence once they are born because they think that children should form a self-supporting will and the capacity to live independently sin ce their childhood . And the capacity comes from the training in the early age . In the film ?Gua Sha Treatment? , there is a scene that Datong orderded his son to apologize to his boss’s son when his saw his son was fighting with his boss’s son . What’s more , he slapped his son in the face when his son refused to apologize , which gave his boss aquite a shock . His boss became confused why the father would show the regret by striking his son . This scene and the boss’s confusion reflect the different concepts between the two countries . Traditonal Chinese family education emphasize kindheartedness and bedience , so we can say that Chinese parents like Datong in the film always want to model their children . On the contrary , America children have more rights of autonomy because their parents emphasis on justice and freedom in the process of family education . 2. The aim of family education are different . The aim of family education is to foster the childeren to grow in some direction by family education . It is the restrictive factor for the direction of family education , deciding the general effect of it . So the aim of family education is the core of family education and the fundamental reason for the differences between the two countries on family education . There is an essential difference between two countrys’ aim of family education , with to expect the child to become an outstanding personage and to hope the child to be an comprehensive and independent person giving expressions to the difference . To most Chinese parents , the aim is expecting their child to be a â€Å" dragon † , which is â€Å" wang zi cheng long † in Chinese . But American parents take hoping the child to be a man of ability which is â€Å" wang zi cheng ren † in Chinese as their aim . For Chinese parents, their aim is to do anyting to support their children to get high marks . What forms apparent contrast to it is , America parents give their children more training about improving abilities . They try to train their children to have the ability of adapting to environmental variety and the ability of living independently . 3. The methods are different between America and China . The differences of concepts and aim cause the childen to be taught by different ways and methods . In Chinese family , affected by Chinese traditional culture , parents educate children by â€Å" control † and â€Å" seal † type . There are three tips for it : (1)Chinese parents prepare all things for their children in daily life . In Chinese family , children don’t have to do any housework . (2)Chinese parents protect the children to excess in social activities . Many children are prevented from exposure to the outer world because their parents worry about children’s being affected by bad things . (3)Chinese parents have a rather strict attitude toward children’s study . Parents regard the grades as the only standard for future success . â€Å" Tasks Sea † strategy is often used in study . Chinese children are tired of doing many extra exercises . So Chinese children spend more time in studying than doing other things . What about America children ? Let’s talk about the famous film ?The Pacifier? . In the film , it may be unconcious , but Shane Wolfe had let the kids master many skills by training them during the time when he cared them . So American parents bring up their children by the method of â€Å" letting go † but â€Å" not indulging † to exercise children’s abilities of independent living . 4. The different contents of family education between America and China . The differences of family education between the two countries are also reflected in the contents of family education . Although the contents of Chinese family education can also devided into moral education , intellectual education , physical education and artistic education , but intellectual education has been the most important one since they go to school . However , the contents of American family education is abundant , which pay more attention to the harmonious development of language , emotion , knowledge and so on . It is so-called â€Å" education for all-around development † .

Saturday, September 14, 2019

Internshp on Performance Evaluation of Exim Bank Ltd

Internship REPORT ON EXPORT IMPORT BANK LIMITED TOPIC: Performance Evaluation of EXIM Bank Ltd. Special Focus on Foreign Exchange Division Department of Business Administration Submitted by www. AssignmentPoint. com Date of Submission: 17th May2012 LETTER OF TRANSMITTAL 17th May2012 To Lecturer Department of Business Administration Subject: Submission of the BBA Internship Report. Dear Madam, It is a great Pleasure for me that I have the opportunity to submit the Internship Report on performance evaluation of Export Import Bank of Bangladesh Limited special focus on foreign exchange division.The internship program gave me an opportunity to have an exposure to the working environment and on the job experience. I have acquired a good understanding on distribution channel of this multinational. I have tried my level best to put meticulous effort for the preparation of this report. Any shortcomings or fault may arise as my unintentional mistakes' I will wholeheartedly welcome any clarifi cation and suggestion about any view and conception disseminated through this report. Sincerely yours www. AssignmentPoint. com †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. SUPERVISOR’S CERTIFICATIONThis is to certify that student of department of BBA and major in Finance, has completed the Internship Report titled â€Å"Performance Evaluation of EXIM Bank Ltd. Special Focus on Foreign Exchange Division† successfully under my supervision. I wish her every success in life. Supervisor †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ Lecturer Department of Business Administration Acknowledgement Allah is Almighty to mock internship report of my port of study of BBA Program. The accomplishment and completion of this report would not have been viable without the contribution of some people who took the time and effort to guide me in my report work.I deeply appreciate and value their suggestions and recommendations through the entire course of my report work. I would like to extend my heartiest thanks and my sincerest gratitude to all those who directly/ indirectly contribute to the compilation of report. I am especially grateful to my teacher, my internship supervisor. I could not prepare my Internship Report without her proper guidance and inspiration. Last but not least, I would like to give my thanks to all the members of EXIM Bank Ltd. , Panthapath Branch because working with them was such a wonderful experience in my life that I will never forget.TABLE OF CONTENTS Particular Page No |Executive Summary |VIII | | | | |CHAPTER-1 Introduction |1 | |1. 1 |Origin of the Report: |2 | |1. 2 |Objective of the Report: |2 | |1. |General objective of the Report: |2 | |1. 4 |Specific objective of the Report: |3 | |1. 5 |Scope of the Report: |3 | |1. 6 |Limitations of the Report: |4 | |1. 7 |Methodology of the Study: |4 | |1. |Sources of Information: |5 | | | | | |CHAPTER-2 Economic Conditions In Bangladesh |6 | | | | |CHAPTER - 3 Industry Analysis | | | | |CHAPTER-4 Company Analysis |12 | |4. 1 |Historical Background Of The Exim Bank |13 | |4. 2 |Vision |13 | |4. 3 |Mission |13 | |4. 4 |Objective |14 | |4. |Strategy |15 | | | | | |CHAPTER-5 The General Banking Division |16 | | | | |CHAPTER-6 Loans And Advances Department |24 | | | |25 | | | |29 | | | | | |CHAPTER-7 Foreign Exchange Department |39 | | | | |CHAPTER-8 Competitive position of Export Import Bank of Bangladesh limited with Premier Bank limited |45 | | | | |CHAPTER-9 SWOT & Financial Analysis |51 | | Swot Analysis | | |Ratio Analysis | | |CHAPTER-10 Recommendation & Conclusion |70 | |10. 1 |Findings |71 | |10. 2 |Recommendation |72 | |10. 3 |Conclusion |73 | | | | | Appendix |74 | |Bibliography |78 | Executive Summary Bank is a service oriented business organization. The prime goal of this organization is earning profit as another business organization. Customer service is core product of the bank. According to Bank Company Act 199 1 clause 5(3) Banker means that person or institute of accepting for the purpose of lending or investment of Deposit of money from public, repayable on demand.To know your customer is the main slogan in new modern Banking System providing customer services. EXIM Bank Limited has earned a good reputation around Bangladesh. Despite competition among banks operating in Bangladesh both local and international, EXIM Bank has made remarkable progress, practically in every sphere of its activities. Export Import Bank of Bangladesh Limited is a third generation private commercial bank in the country with commendable operating performance. This study is mainly based on performance evaluation of EXIM Bank Ltd. Special focus on foreign exchange division. In order to make foreign the report more meaningful and presentable, use both the primary and secondary sources of collection information. EXIM Bank Ltd. as already established a favorable reputation in the banking industry of the country. At is one of the leading private sector commercial banks in Bangladesh. The bank has already shown a tremendous growth in the profits and deposits sectors. To get competitive advantage and to deliver quality service management can establish training institute and credit car should be introduced. The over all performance of the bank is very good according to its competitive position. Within a near future EXIM bank will be a market leader among the banks. 1. Introduction: 1. 1 Origin of the Report: In today's world only academic education does make a student perfect to become competitive with the corporate & Global business world.By doing an internship program, a student can get the opportunity to learn facing about real business world. Internship is highly needed to gain idea knowledge and experience. I am a BBA graduate from Private University in Bangladesh. It has designed its curriculum of the BBA Program such a way that the international standard graduates will be produced. After co mpleting my 139 Credit hours I Need to go for further professional experience through Internship program in a Business organization EXIM Bank Ltd. is a place where I have learned the business dealings. This organization has created a positive image to the customer's mind by providing better service specifically I am telling about the Panthapath Branch.This branch has introduced an exclusive modern banking system that has got high market sharing and rating in the prominent business & banking avenue in Panthapath Bank way. As an BBA Internee Office I have tried to maintain the pace with the competitive business environment on official Activities Culture Philosophy Norms & Styles. It should be reflect the best at any field of my Professional life; The Vice President & Manger is my overall Guide Philosopher & Superior. By receiving his all sorts of cordial support I have been availed the opportunity to work with this branch for three months from 10th January 2010 to 9th March 2010. I ac quired idea about real business and corporate world. 1. 2 Objective of the Report: Prime objects to a large-scale study on Banking System. 1. 3 General objective of the Report:The report specification based on the overall banking performance evaluation and special focus on foreign exchange division of EXIM Bank Ltd. 1. 4 Specific objective of the Report: ? To apply theoretical knowledge in the practical field. ? To make a bridge between the theories and practical procedures of banking day-to-day operations. ? To know the different modes of scheme, in EXIM Bank. ? Trend analyses of the different scheme. ? To know the financial activity of bank. ? An overview on the major financial activity and practices of EXIM Bank ? To identify the strategies for EXIM Bank Limited, implementing in constant prosperity of the company ? Analyzing the performance trends of EXIM Bank. To give some idea about its management and organization structure ? To present and overview of EXIM Bank Ltd. ? Compare the different mode of scheme of Exim Bank with other similar bank. 1. 5 Scope of the Report: First the report presents about the current economic condition of Bangladesh and the present condition of the banking sector of our country and next it gives some ideas about EXIM Bank Ltd. Then it analyzes the performance of the bank based on financial analysis and SWOT analysis. After that, it emphasizes or foreign exchange division. By reading this report one can easily have some ideas about the performance and foreign exchange division of EXIM Bank Ltd. 1. 6 Limitations of the Report:Although there were sincere co-operation from employees of EX1M Bank Limited, Panthapath Branch, they could not manage enough time to provide the necessary information for the completion of the report. During the preparation of the report the following problems occurred that may be termed as the limitation or shortcomings of the study. Some of the limitations faced in preparing this report are: ? Confidentia lity the Bank's policy restricts disclosing some data ? Data about the performance of the bank of the year 2008 have not yet been disclosed by the bank. ? The study of such a short course of time is not free from limitation. ? The data relevant for the analysis report writing sometimes could not be collected due to excessive year-ending workload at the branch. It is too much difficult to comment and suggest based on only the annual report and information collected from written documents. ? As some assumptions were made with the help of limited information, there may be some personal mistake in the report ? It was very difficult to collect the information from various incumbents for the job restriction. 1. 7 Methodology of the Study: Although there were so many limitations, it was tried to use both the primary and secondary sources of collecting information to make the report presentable with as less abstraction as possible. 1. 8 Sources of Information: Two sources (i) Primary & (ii) Secondary A.Primary data: Primary data is always known as survey data. This type of data is collected from the respondent. For this personal Interview with the offices and customers have been conducted. B. Secondary Data: Data that were published before for some other reason can be collected using internal and external sources. i) Internal secondary data: To furnish the report properly some papers has been collected from the officials of EXIM Bank Ltd. Information from annual reports journals, newspapers and other published documents have been used besides other published information about the organization, depth interview of the branch manager and second branch manager have also taken. i) External Secondary data: For better interpretation some data has been collected from Bangladesh Bank. Internet Browsing is also one source of external Secondary data. 2. ECONOMIC CONDITIONS IN BANGLADESH Bangladesh has an agrarian economy with 32% of GDP coming from the Agriculture Sector. Major agricultural products are rice, jute, wheat, potato, pulses, tobacco, tea and sugarcane. . The country is the largest exporter of jute and jute goods in the world. Readymade garments are among the most exportable items. Tea, frozen shrimp, fish, leather goods and handicrafts are also major exportable commodities. The country has under gone a major shift in its economic philosophy and management in recent years.At Bangladesh's birth, the country embraced socialism as the economic ideology with a dominant role for the public sector. But, since the mid-seventies, it undertook a major restructuring towards establishing a market economy with emphasis on private sector-led economic growth. During the nineties, the country has completed a major stabilization program which has reduced inflation as well as fiscal and current account deficits and established a healthy foreign exchange reserve position with low and sustainable debt-service liabilities. With modest economic growth, the basic in dicators related to health, education and poverty have all shown sustained improvement.According to a World Bank estimate, Bangladesh has the 36th largest economy in the world in terms of GNP based on the purchasing power parity method of valuation, and the 55th largest in terms of nominal GNP in U. S. Dollars. Bangladesh economy grew on an average at above 6. 0 percent in the last four years up to FY07 . According to the provisional estimates of the Bangladesh Bureau of Statistics (BBS),real GDP recorded a strong growth of 6. 5 percent in FY07,which is marginally lower than 6. 6percent recorded in FY06 . This growth was commendable as it was achieved in challenging environment marked by high and volatile oil price ,phasing out of the MFA quota, labour unrest in the garment industry and confrontational political situation of the country in the first half of FY07. With reasonable support from agriculture sector, the 6. percent real GDP growth was underpinned mainly by industry sector and services sector. The expansion was broad based, registering positive growth by all sectors and sub-sectors of the economy. Spurred by a robust 9. 5 percent growth in industry sector and 6. 7 percent growth in services sector, GDP growth during the year was also aided by 3. 2 percent growth in the agriculture sector. The domestic savings-investment gap was met with net factor income from abroad which increased by 37. 0 percent in FY07 from 4. 4 percent in FY06 reflecting higher savings growth. The domestic savings investment gap was met with net factor income from abroad which increased by 37. 0 percent in FY07.The rising trend of inflation of FY06 as measured by CPI continued in FY07 mainly due to higher prices of oil and some other imported goods in the international market, distortion in the supply side factors and demand pressure generated from excess money supply . Slower import of consumer necessities pulling their domestic prices heightened the price pressures. Annual ave rage CPI (base FY96) inflation as of end June 2007was 7. 20 percent, compared to 7. 16 percent as of end June 2006. There was notable increase of food prices component of CPI inflation from 7. 8 percent as of end June 2006 to 8. 1 percent as of end June 2007. Maintaining a favorable investment environment and a sound macroeconomic management are important to strengthen private sector investment in the economy.In view of medium term outlook of sustainable economic growth and low inflation for world and south Asian economies and assuming continuation of prudent policies and progress in advancing structural reforms, the near and medium term economic prospects of Bangladesh appear favorable. 3. INDUSTRY ANALYSIS Bank plays an important role in this modern world. The development of industries and business sectors of a country mainly depends on good banking system. The industries and businessman are taking short and long term loan from banks. In the modern world international businesses a re fully depended on banks. Without sound banking system no country can develop in international trade. Bank constitutes an important segment of the financial infrastructure of any country. The economic history of many countries reveals that economic development and growth of financial infrastructure go hand in hand.Financial system of a country is the heart of a country’s economic system as it connects suppliers of the funds and demanders of fund, which is needed to produce economic goods. It also provides a large arena of employment opportunity. As Bangladesh is containing a bank base economy, its economic development is largely depended on the development of banking sectors. Bangladesh appeared as a new nation on the world map in the year 1971. After independence financial institutions, especially banks played a vital role in re-constructing the war-torn economy of Bangladesh. Bangladesh Bank is the central bank of the country and is in charge of monetary policies of the G overnment and controls all commercial banks. Development and growth of our banking system may be divided into three parts. The performance of our banking system during 1972 to 1982 was commendable in respect of expending network and providing easy credit to the socially desirable sectors but equally frustrating with regard to maintaining validity and customer services. The second phase from 1983 to 1989 was characterized by denationalization and privatization of banking system without broad-basing the prudential and information regulatory framework; however, these measures of denationalization and privatization could not bring the viability and operational efficiency of banking system.Under the above circumstances and with the recommendation of World Bank, a Financial Sector Reform Project (FSRP) was undertaken in 1989 by the government, which can be identified with third phase of the development of our banking system. The government of Bangladesh has also enacted some important act s namely financial institutions act 1993, Securities and Exchange Commission act 1993, the companies’ act 1994 and recently Bankruptcy act 1997. The present day banking structure has evolved over several decodes. The far-reaching program of economic reform is being carried out at present towards efficient utilization of scare resources and the development of private entrepreneurship. Banks are financial service firms, producing and selling professional management of the public's fund as well as performing many other roles in the economy.Banks are those financial institutions that offer the widest rang of financial functions of any business firm in the economy. Competition is strengthened by the entry of new and innovative provides of financial services, through the development of Money market and Capital market. Money market is designed for the making of short-term loans where individuals and institutions with temporary surplus of funds meet borrowers who have temporary cash shortages. Capital market is deigned to finance long-term loans where individuals and institutions with temporary surplus of finds meet borrowers who have temporary cash shortages. Capital market is designed to finance long-term investments.Private sector commercial banks are private companies operate under the legislative framework, which covers both Company Act, and Banking Company Act, under the ongoing financial liberalization, EXIM Bank emerges as a new Bank in private sector to operate at the Banking arena of Bangladesh It is committed to provide high quality financial services/ products to contribute to the growth of GDP of the country through stimulating trade and commerce, accelerating the pace of industrialization, boosting up export, creating employment opportunity for the educated youth , poverty alleviation, raising standard of living of limited income group and overall sustainable socio-economic development of the country. 4. COMPANY ANALYSIS 4. 1 HISTORICAL BACKGROUND OF THE EXIM BANK EXIM Bank- Export Import Bank of Bangladesh Ltd. was named at first as BEXIM Bank BEXIM stands for Bengal Export Import of Bangladesh. This new commercial Bank was opened in August 03, 1999 with some new innovative visions in customer services.The Bank received the certificate of incorporate no. C-37864 (2164)/99 under the commencement of the business on the same day by the section 150(2) under companies Act. A part from the head office in Dilkusha C/A, it stared its first local branch in Motijheel C/A simultaneously in order to provide all kinds of Banking support to the clients. On December 02, 1999 the second branches both in Dhaka City and other cities. Now it has twenty-five branches in the country. 4. 2 VISION The gist of EXIM bank vision is ‘Together Towards Tomorrow'. Export Import Bank of Bangladesh Limbed believes in togetherness with its customers, in its march or the road to growth and progress with services.To achieve the desired goal, there will be pursuit of excellence at all stages with a climate of continuous improvement, because, in EXIM Bank, they believe, the line of excellence is never ending. Bank's strategic plans and networking will strengthen its competitive edge over others in rapidly changing competitive environments. Their personalized qualities services to the customers with the trend of constant improvement will be cornerstone achieve their operational success. 4. 3 MISSION The bank has checked out the following corporate objectives in order to ensure smooth achievement of its goals- ? To be the most caring and customer friendly and service oriented bank. ? To create a technology base most efficient banking environment for its customers ? To ensure ethics and transparency in ail levels To ensure sustainable growth and establish full value of the honorable shareholders and ? Above all, to add effective contribution to the national economy Eventually the bank also emphasize on: ? Provide high quality financia l services in export and import trade ? Providing efficient customer service ? Maintaining corporate and business ethics ? Being trusted repository of customers’ money and their financial adviser ? Making its products superior and rewarding to the customers ? Display team spirit and professionalism ? Sound Capital Base ? Enhancement of shareholders wealth ? Fulfilling its social commitments by expanding its charitable and humanitarian activities 4. Objective Bangladesh is now integral part of global market. As such there is an urgent requirement for Bangladesh to place the traditional banking pretties in harness with the global trades of a free market economy by following international banking customs, practices and standards. Today clients of a bank in Bangladesh are exposed as well as international markets. They have to stay update with their practice and standards to meet the demands of achieving harmony in the high standards of a free economy. EXIM Bank fully appreciates the importance and implication of the rapidly emerging competition in the banking and finance sector of Bangladesh.It intends financing its customer suited to his or her place in the market. In this regards EXIM Bank emphasizes in its employment the software aspects of human resource capability. It also emphasizes competence among its banking professional to cater to vary customer requirements to the modern time. The objectives of EXIM BANK is not only to earn profit but also to keep the social commitment and to ensure its co-operation to the person of alt level, to the businessman, industrialist specially who are engaged in establishing large-scale industry by consortium and the agro-based export oriented medium and small scale industries by self inspiration.EXIM BANK is always ready to maintain highest quality of services by upgrading banking technology prudence in management and by applying high standard of business ethic through its established commitment and heritage. EXIM BANK is committed to ensure its contribution to national economy by increasing its profitability through professional and disciplined growth strategy for its customer and by creating corporate culture in international banking area. 4. 5 Strategy In order to reach the goal it is important to build strategy and follow the policies. If it can select the appropriate strategy and choose the right policy, it will be very easy to touch its desired position.The distinguishing attribute of policy is to set the over all boundaries for activities. According to this system when the bank was started it has to decide what kind of business it is going to be in. The Bank also has to decide on its growth and communicate through am system of major objective of the business is to reach the goal, to reach the desired position from the current status. There might be a number of ways to reach there and its has to be decided which path would be easier to reach the objective. So the authority has no decided wh ich path they select to proceed. The following figure can be explained clearly. Slogan of the EXIM Bank: â€Å"Local Bank Global Network†The world EXIM implies the meaning of its operation. Through it is a new type of Bank in Bangladesh; it is familiar with so many countries in the world such as Export Import Bank of the United States, Export Import Bank of Japan. Despite it is a local Bank, It has spread of its operation in the whole world through foreign Banking. To achieve the desired goal, it has intention to pursuit f excellence at stages with a climate of continuous improvement. Because it believes, the line of excellence is never ending. It also believes that its strategic plans and business networking will strength its competitive edge over in rapidly changing competitive environment.It motto I to provide quality service to the customers all over the world so, the slogan of the Bank â€Å"Local Bank Global Network† is completely adjustable with its operation. T HE GENERAL BANKING DIVISION Internship has provided the opportunity to coordinate the theoretical knowledge that one has gathered in MBA Class with the practical field. Although three months is not a very long period to learn the whole thing that usually occurs in an organization. The supervisor divided this report into three parts. 1) The general banking department 2) The Investment department 3) The foreign Exchange department. Learning experience from General Banking Division:The main business of this Division is dealing with Deposit. There are two types of Deposit in this Branch and General Banking division as the following section: 1. Deposit section 2. Account Section 3. Remittance section 4. Clearing section 5. Customer Service section 6. Cash section and 7. Information Technology section Task I Handled in this Division is 1. Opening Accounts 2. Opening Monthly saving scheme, 3. Modaraba Term Deposit Account Current 4. Deposit foreign current Deposit Account 5. Modarada short notice Deposit (STD). 6. Fixed Deposit, Steady Money. 7. Demand Draft (D. D) 8. Telegraphic Transfer (T. T) 9. Payment Order (P/O) 10. Travelers Check (T. C) 1. Issuing Check. Pay Order (PO): Pay order is one kind of unconditional promissory note or instrument that is issued by the Bank to the customer. The difference between check and pay order is the mode of encasement. Demand Draft: Demand Drafts are made for the transfer of money from one place to another in the form of cheques through a particular Bank, which can be ensued right way. The Bank issues DD for their outer district branches. Telegraph/ Telephone Transfer: When a certain amount of money is asked by the client to transfer from one branch to another than it is called telegraph/ telephone transfer. For TT, there is a particular from.When the form is filled up properly and deposits the amount by the applicant, the authorized officer issued a cost memo to the application for their confirmation. lssuing cheques Books: Che ckbook issue is a very sensitive because most of the fraud occurs through this checkbook. Customer requiring check books to fill out requisition ship. For saving accounts 10 pages check book issued and CD/SOD/ CC accounts issued 25 and 50 pages checkbook. Cash Section: In clearing section the work is to clear the cheques, DD's and PO's through Bangladesh Bank that are submitted for cash collection. Everyday morning House another in the evening called return house.In the hose all the Banks representative sit together and exchanges their money receive instrument of their particular bank to clear the paper and transfer to money the paper partlcular accounts. Type of Clearing: There is two type of clearing 1) In-Ward 2) Out –Ward In- ward: Those Cheques or instrument of EXIM, which are submitted to other banks for collections are called In – Ward Clearing. Out- Ward: The cheques of other banks that are submitted to the EXIM for collections are called out-ward Clearing. Cas h Section: Cash is the main element of all financial activities. The cash section of any branch plays very significant role. It's very sensitive place of the branch, because it deals with most liquid assets. The EXIM Bank Mirpur Branch has an equipped cash section.This section receives cash from depositors/Client and pays cash against cheques draft, payment order and pay to slip over the counter This section deals with all type as of negotiable instruments and in includes volt. Used as the store of cash instrument, the main functions of the sections are cash receipt and cash disbursement. Accounts Opening Section: This section deals with opening of different types of accounts. It is also deals with issuing of books and different deposit boos to the different accounts opener. A customer can open different types of accounts through this department such as: l. Current Account 2. Saving Account 3. Fixed deposit account (FDR) 4.Short term Deposit (STD) 5. Monthly saving Scheme (Money Gro ver) 6. Monthly income scheme (Steady money) 7. Smart saver Scheme 8. Multi plus saving Account 9. Super saving scheme 10. Education saving scheme EXIM Bank gives special importance various deposit schemes are: l. Monthly saving Scheme (money Grower) 2. Monthly income scheme (Steady Money) 3. Multi plus savings A/C 4 Super saving scheme 5. Double benefit Scheme 6. Smart saver Scheme 7. And Education saving Scheme Types of Accounts with Terms and Conditions Current (CD) Account: Current account is purely a demand deposit account. There is no restriction on withdrawing money from the account.It is basically justified when funds are to be collected and money is to be paid at frequent interval. Some Important Points are as follows- †¢ Minimum opening deposit of TK. 1000/- is required; †¢ There is no withdrawal limit. †¢ No interest is given upon the deposited money; †¢ Minimum Tk. 1000/= balance must always maintain all the time. Savings (SB) Account: The bank provid es savings account services for the ease of its clients. It offers both personal and corporate Savings Account to its clients in every branch. Hence, there is a restriction on withdrawals in a month. Heavy withdrawals are permitted only against prior notice. Some Important Points are as follows- Minimum opening deposit of Tk. 5000/= is required; †¢ Minimum Tk. 1000/= balance must always maintain all the time; †¢ Withdrawal amount should not be more than 1/4th of the total balance at a time and limit twice in a month. †¢ If withdrawal amount exceed 1/4th of the total balance at a time no interest is given upon the deposited money for that month. †¢ The current rate on deposit amount is 6%. †¢ Closing of saving accounts will cost 300tk to a customer. Short Term Deposit (STD) Account: Normally various big companies, organizations, Government Departments keep money in STD account. Frequent withdrawal is discouraged and requires prior notice.The deposit should be kept for at least seven days to get interest. The interest offered for STD is less than that of savings deposit. Interest is calculated based on daily minimum product and paid two times in a year. Interest rate is 4. 50%. Call Deposits (Money at Call): Sometime the banker secures funds from the money markets usually from other bankers against receipt to meet his purely tepmorary shortage of funds. These debts are repayable immediately at call. When the money market is tight such derosits attract higher rate of interst and then to be treated as banker’s borrowings as call loans. Account opening: To dill with the bank individuals need to have an account first.The particulars are essential for identification of the account holders individually so that the banker can discharge his obligations to every one correctly and to the extent due. Documents required for opening account ? Individual / Joint Account: 1. Introduction of the account. 2. Two photographs of the signatories duly attested by the introducer. 3. Identity (copy of passport). 4. Joint Declaration Form (For joint a/c only). 5. Employee’s Certificate (in case of service holder). ? Partnership account: 1. Introduction of the account. 2. Two photographs of the signatories duly attested by the introducer. 3. Partnership letter duly signed by all partners (Sign should be similar as stated in Partnership Deed). 4. Partnership Deed duly certified byNotary public. 5. Registration (If any). 6. Updated Trade license. ? Proprietorship account: 1. Introduction of the account. 2. Two photographs of the signatories duly attested by the introducer. 3. Valid copy of Trade License. 4. Rubber stamp. 5. TIN number certificate. 6. Identity (Copy of passport). 7. Permission letter from DC/ Magistrate (in case of newspaper) 8. ? Limited company: 1. Introduction of the account. 2. Two photographs of the signatories duly attested by the Introducer. 3. Valid copy of Trade License. 4. Board resolution of opening A /C duly certified by the Chairman/Managing Director. 5. Certificate of Incorporation. 6.Certificate of Commencement (In case of Public limited company). 7. Certified (joint stock) true copy of the Memorandum and Article of Association of the Company duly attested by Chairman or Managing Director. 8. List of directors along with designation & specimen signature. 9. Latest certified copy of Form – xii (to be certified by register of joint stock companies) (In case of Directorship change). 10. Rubber Stamp (Seal with designation of each person) 11. Certificate of registration (In case of Insurance Company – Obtained from department of Insurance from the Peoples Republic of BD). ? Club / societies account: 1. Introduction of the account. 2.Two photographs of the Signatories duly attested by the introducer. 3. Board Resolution for Opening A/C duly certified by President/ Secretary. 4. List of Existing Managing Committee. 5. Registration (if any). 6. Rubber Stamp. 7. Permiss ion letter from Bureau of N. G. O. (In case of N. G. O. A/C). Savings Scheme; †¢ Monthly Income Scheme †¢ Multiplus Savings †¢ Smart saver †¢ Super Saving Scheme †¢ Monthly Savings Scheme (Money Grower) †¢ Hajj Scheme Finance/Loans: †¢ Corporate Finance †¢ Industrial Finance †¢ Lease Finance †¢ Hire Purchase Finance †¢ Commercial Loans †¢ Project Finance †¢ Syndicate Loans †¢ Retail Loans †¢ Mortgage Loans †¢ Loan against Share and Securities †¢ Account Opening Procedures: Step 1 | | | |The account should be properly introduced by Any one of the following: | | |An existing Current Account holder of the Bank. | | |Officials of the Bank not below the rank of an Assistant officer. | | |A respectable person of the locality well known to the Manager/Sub-Manager of the Branch concerned. | |Step 2 | | | |Receiving filled up application in bank’s prescribed form mentioning what type of account is de sired to be | | |opened. |Step 3 | | | |The form is filled up by the applicant himself / herself | | |Two copies of passport size photographs from individual are taken, in case of firms photographs of all | | |partners are taken | | |Applicants must submit required documents | | |Application must sign specimen signature sheet and give mandate | | |Introducer’s signature and accounts number – verified by legal officer | |Step 4 | | | |Authorized Officer accepts the application | |Step 5 | | | |Minimum balance is deposited – only cash is accepted | |Step 6 | | | |Account is opened and a Cheque book and pay-in-slip book is given | Account Sections: Daily function: The routine daily tasks of the accounts department are as follows: 1. Recording the daily transactions in the cash book 2. Recording the daily transactions in general and subsidiary ledgers 3. Preparing the daily position of the branch comprising of deposit and cash 4.Preparing the daily statement o f affairs showing all the assists and liability of the branch as per ledger and subsidiary leader separately. 5. Making payment of all expenses of the Branch 6. Recording inters branch fund transfer and providing accounting treatment in this regard. 7. Checking whether all the vouchers are correctly passed to ensure the Conformity with the Activity Report; if otherwise making it correct by calling the respective official to rectify the voucher. 8. Recording of the vouchers in the Voucher Register 9. Packing of the correct vouchers according to the debit voucher and the credit voucher. Periodical Tasks: The routine periodical tasks performed by the department are as follows. 1. Preparing the monthly salary statements for the employees 2.Publishing the basic data of the branch 3. Preparing the weekly position for the branch this is sent to the Head Office to maintain Cast Reserve requirement 4. Preparing the monthly position for the branch, this is sent to the Head office to maintain statuary liquidity requirement. 5. Preparing the weekly position for the branch comprising of the break up of sector wise deposit, credit etc. 6. Preparing the weekly position for the branch comprising of the denomination wise statement of cash in tills. 7. Preparing the budget for the branch by fixing the target regarding profit and deposit so as to take necessary steps to general and mobilize deposit 8.Preparing an Extract' which is a summary of all the transactions of the Head Office account with the branch to reconcile all the transaction held among the accounts of all the branches. General Account: General account is important one, which has to be maintained by each branch. Indeed general account is are record of Oregonian and responding transactions among inter- branches of the same bank. All types of assets and liabilities of one branch with another one are settled through this account. Branch can know how much the bank is liable with Head Office. The debit and credit balance shows assets and liabilities of the respective branch. Statement or Affairs:Accounts section prepares the statement of affairs for finding the profit/ loss as well as amount of assets and liabilities of concerned branch per day Theoretically, it is called financial statement and has tow parts: 1. Income and Expenditure Account 2. Statement of Assets and Liabilities Amortization and Depreciation: Amortization is the allocation of the cost of an intangible asset to expense for example, prepaid expenditure, prepaid insurance and good will etc Amortization schedule is determined by the decision of management. Establishment: This section deals with employee's salary, much type of internal expenses such as purchase of pen, paper equipment, machinery and payment of labor Cost and employee conveyance. In cause of leave of absence employee collects prescribed from this section. LOANS AND ADVANCES DEPARTMENT Introduction:Banking is essentially a business dealing organization with money and c redit like all other business activates. Banks are profit-oriented organization. A bank invites its find many ways to earn more and more profit and most of its income is derived from loans and advances. Bank makes loans and advances to traders, Businesspersons, industrialists and many other persons against security of some cautions policy and sound lending principle in the matter of lending. EXIM Bank is a lending bank in loans and advances and it grant loans in various sectors especially in industry, trade and commerce. Types of loans and advances: There may be different types of loans and advance given from the commercial banks such as EXIM Bank Ltd. Of our country.Loans and advances may be in the following types: 1. Cash credit 2. Overdraft 3. House Building loan (General and Staff) 4. Transportation (Car) loan (only for senior staff) 5. Consumer credit Scheme 6. Loan against Imported Merchandise (LIM) 7. Loan Bills purchases Documentary (LBPD) 8. Loan against Other Securities (L AOS) 9. Term Loan Brief Idea about the different types of loans and advance: Cash Credit (CC): Cash credit is an arrangement by which the customer is allowed to borrow May up to a creation limit. This permanent arrangement and the customers need not to draw the sanctioned amount of money at a time. The borrower can draw the money when required.The borrower can put back any surplus, amount, which he/she may he affect frequently. Intersect is charged only to the amount with drawn and not he whore amount sanctioned cash credit arrangement is usually divide into two ways such as: 1. Cash credit pledge 2. Cash credit hypothecation Cash Credit Pledge: In case of cash credit pledge possession of the goods dealings to bank and ownership of the of the goods belongs to borrower and bank the possessions of the goods as primary security. The goods storied in go down under lock and key by direct supervision of the bank. If the borrower wants to sell any potion of the pledged goods he/she permiss ion of bank with returning the value of the loan amount.It is therefore regarded as the most secured type of advance. Cash Credit hypothecation: In case of cash Credit hypothecation possession of the goods not transferred to the bank and therefore such and advance is no better than a clean loan, such an advance can thus only be granted to a person in whose integrity the barked has full confidence cash credit in the form of Hypothecation is normally accompanied with mortgagee of immovable properties. The pray/ borrower possesses the lock and key of the down. The Formalities of opening cash Credit: There intending cash credit holder should submit the following documents and being fill up properly: 1. Stock repot, rend receipt 2. Trade license 3.Up to date income tax clearings certificate 4. Charge documents 5. Letter of Continuity 6. Letter of arrangement 7. DP (Demand Promissory) note 8. Letter of guarantee 9. Letter lien 10. Limit sanction advice 11. Non-Encumbrance Certificate Obse rving the documents the bank authority prepares a cc proposal from that contains the following information: 1. Nature of business 2. Banking with EXIM 3. Transition with CD account by the client 4. Allied deposit with SB/STD account. 5. Number of adjustment (s) how many times the CC holder made his/her Account nil that means debit balance equal to credit balance. 6. Recycling it is ration of total credit summation to the limit.If the ratio is Higher it is better from banker's points of view. 7. Turn over in the account 8. By the encasement authority the bank holds the power to encase the FDR the encasement authority at any time in case borrower's failure to repay the loan amount with interest in due time. Based in the above-mentioned information the dealing officer of the loans and advances department prepares recommendation about the prospect of granting the CC loan to the client. Overdraft: Overdraft is an arrangement between the banker and the customer by which the letter is allo wed to withdraw over his/her credit balance in the current account up to an agreed limit.The borrower is permitted for draw and repays any number of times, provided he total amount overdrawn dose not exceeds the agreed limit. Here the interest is charged only for the amount withdrawn over the limit. Not for the whole amount. Overdraft is divided into tow categories:  ¦ Secured overdraft (SOD)  ¦ Temporary overdraft (TOD) Secured overdraft: It is allowed against the full security (i. e. FDR, ICB unit Certificates). Temporary Overdraft: It is allowed to the customer for a very short period of time. But EXIM bank deals only secured overdraft. Car Loans: This is a special type of loan, which is only provided for the staff of EXIM Bank.Usually AVP and above level officers get this kind facility. This loan is reimbursed on instrument basis and repayable after each month. House Building loan (General and Staff): General house building loan is providing into two sectors:  ¦ Generally  ¦ Staff Naturally house building loan is paid for the construction of commercial building, and owners etc, procedures for sanctioning house- building loan as follows:-  ¦ Application for sectioning loan  ¦ Application properly filled up for credit facilities supplied by the bank.  ¦ Personal net worth statement each director  ¦ Enquiry form Required papers for sanctioning HB loan:  ¦ Copy of general power of attorney  ¦ Copy of material certificate Copy of engineer's estimate  ¦ Copy of projected cash flow Loan (General): In case of loan the banks sanction some of money for a certain period of time. The enter amount is one time disbursement and paid in cash or credit loan A/C. The interest is charged on full sanctioned amount @16%. The bank generally sanctions loan to establish industry. These types of loan are granted for capital expenditure such as purchase of land, constriction of factory building, purchase of new machinery and modernization of plant. The borrowe r cannot withdraw this type of loan once repaid in full or in part again. Formalities for extending project loan: Loan application form:After receiving the loan application from the borrower the branch scrutinizes the application whether it is viable or not. Loan application from contains the following particulars amongst other detail below:  ¦ Particular description of the Project.  ¦ Nature of the Project  ¦ Detail information about the borrower  ¦ Statements of assets and liabilities of the borrower with declaration  ¦ Detail information about proposed products, machinates and manpower etc  ¦ Project cost and source of fund.  ¦ Market for the proposed project. Feasibility report: This report is provided by the borrower, which includes the following aspects of the project:  ¦ Marketing aspect  ¦ Technical aspect financial aspect  ¦ Managing aspect  ¦ Socio-economic aspect 1) Classification Procedure 1.Categories of Loans- At first all loans and advances will be grouped into four categories for the purpose of classification, such as- (a) Continuous Loans (b) Demand Loans (c) Fixed Term Loans and (d) Short Term and Agriculture & Micro Credit. (a) Continuous Loans : The loan A/C in which transaction may be made within a certain limit and have an expiry date for full adjustment will be treated as continuous loan. Exp CC, OD etc. (b) Demand Loans: The loan that becomes repayable by the party on demand by his bank will be treated as demand loans. If any contingent or any other liabilities are turned into forced loan will also be treated as demand loan. Exp. LIM, PAD, FBP, IBP etc. (c) Fixed Term Loans: The loan which is repayable with in the specific time period under a pacific repayment schedule will be treated as Fixed Term Loans. d) Short Term Agriculture & Micro Credit: Short Term Agricultural Credit will be as per list issued by Agricultural Credit and Specialized Programmers Department (ACSPD) of Bangladesh Bank under the Agricultural C redit Programmed. Credit in the Agricultural sector repayable within 1(one) year will also be included herein. Short Term Micro Credit includes any micro credit not exceeding TK. 25,000. 00 and repayable within 12 months. 2) Basis for Loan Classification: (A) Objective Criteria (1) Past due/ over due: In this point we saw four factors those are; a) Any continuous loan if not repaid / renewed within the fixed expiry date for repayment be treated as past due/ overdue from the following day of the expiry date. ny demands loan if not repaid/ rescheduled within the fixed expiry date will be treated as past due/ overdue from the following day of the expiry date. b) In case any installment of a fixed term loan (repayable within fives) is not repaid within the fixed expiry date, the amount of unpaid installment will be treated as past due/ overdue (defaulted instilment) from the following day of the expiry date of the particular installment. c) Incase of any installment or part installment of a Fixed Term Loan (repayable over five years) is not repaid within the fixed expiry date, the amount of unpaid installment will be treated as past due/ overdue after 6(six) months of the expiry date of that particular installment. ) The Short Term Agriculture & Micro Credit if not repaid within the fixed expiry date for repayment will be considered as past due/ over due (defaulted instilment) after 6(six) month of the expiry date. (B) Qualitative Judgment; If any uncertainty or doubt arises in respect of recovery of any continuous, Demand or Term Loans the same will have to be classified as Sub- Standard or Doubtful or Bad/ Loss. Considering the merit of the A/C on the basis of qualitative judgment be it classified or not on the basis of objective criteria. The Bank will classify on the basis of qualitative judgment and can be- classify loans if qualitative improvement does occur.But if a loan classified by Bangladesh Bank inspection Team, the same can be de- classified with the approval of the Board of Directors of the Banks. CIB Report: Before making credit report to the head office the lending branch takes the credit information to the borrower from the CIB (credit Information Bureau) of Bangladesh Bank and other financial institutions. For obtaining this report the branch sends Inquiry form' to CIB duly filled in particulars of the borrower. The report id divided into 5 segments. Project appraisal: It is the reinvestment analysis done by Banker before a project is approved. Project appraisal in the Banking sector is needed for following reasons:  ¦To ensue repayment of the Bank finance To achieve the organizational goals  ¦To establish industrialists in a country. The main tasks of the project appraisal is to justify the soundness of an investment by the Banker by means of a capital and systematic of the different elements of the Project For this purpose Banks use two types of analysis:  ¦Lending Risk Analysis (LRA)  ¦Spread Sheet Analysis (SSA) Lending risk analysis: Lending risk analysis is modern methodologies, which describes how to access the risks that are inherent any credit extension and how to access the likelihood that the customer will repay a loan. The LRA form contains 16 pages to analysis different categories of Risks.The Financial Sector Reform project introduces the lending Risk analysis format in 1993. LRA is a standardize format for analyzing the credit worthiness of a borrower and the likelihood that the borrow will repay. Bangladesh bank issued a letter number BCD (p) 611/13/290 dated 17-07-1994, which now makes it mandatory for the commercial Banks to implement the LRA approach to credit analysis prior to extending credit facilities to a Borrower. The modern concept of lending is purpose and production oriented and not security oriented. The emphasis should be given not any security rather on he likelihood of repayment, the credit worthiness of the customer soundness and viability of the business etc. Lending PrinciplesThe Principle of lending is a collection of certain accepted time tested standards, which ensure the proper use of Investment fund in a profitable way and its timely recovery. Different authors describe different principles for sound lending. 1. Safety 2. Security 3. Liquidity 4. Adequate yield 5. Diversity Process of Investment |Heads |Characteristics | |Application |Applicant applies for the Investment in the prescribed form of the bank describing the types | | |and purpose of Investment. |Sanction |Collecting credit information about the applicant to determine the credit worthiness of the | | |borrower. Sources of information | | |Personal Investigation, Confidential Report from other bank, Head Office/Branch/Chamber of | | |Commerce. | | |CIB (Central Information Bureau) report from Central Bank. | | |Evaluation of compliance with its lending policy. | | |Evaluating the proposed security. | | |LRA is must for the Investment exceeding one crore – as ord ered by Bangladesh Bank. | |If everything is in accordance the Investment is sanctioned | |Documentation |Then bank prepare a Investment proposal which contains terms and conditions of Investment for | | |approval of H. O. or Manager. | | |Takes the necessary papers and signatures from borrower | |Disbursement |An Investment Account is opened. Where customer | | |A/C—————————————————————————————Dr. | | |Respective Investment A/C —————————————-Cr. |FOREIGN EXCHANGE DEPARTMENT Introduction: One of the largest businesses carried out by the commercial bank is foreign trading. The trade among various countries fills for close link between the parties dealing in trade. The situation calls for experti se in the field of foreign exchange operations. The bank, which provides such operations refereed to as rending international Banking operation. Mainly trisections with overseas countries are respects of import, export and foreign remittance come under the preview of foreign exchange transaction, and international trade demands a flow of goods from seller to buyer of payment from buyer to seller.In this case the Bank plays a vital role to bridge between the buyer and seller. Foreign Exchange Mechanism in Flow Chart: Sales/Purchase contract Issues L/C Forward Forward documents Makes payment Makes payment Foreign Exchange department of EXIM Bank is department of all departments. This department handles various types of activates by three separate sections: 1. Import Section 2. Export section 3. Foreign Remittance. Import Section: The functions are of the section is mainly to deal with various components such as  ¦ Letter of Credit (L/C)  ¦ Payment against Document (PAD)  ¦ Payme nt against Trust Receipt (PTR)  ¦ Loan against Imported Merchandise (LIM) Letter of Credit (L/C): Definition:A letter of credit can be defined as an arrangement where in a Bank Guarantee on behalf of these customers to make payments to the beneficiary upon presentation of documents specified in the credit. Parties involved in L/C: Opener/ Buyer/Importer: The person who opens the L/C is known as opener/ buyer/importer of the L/C. The buyer and the seller conclude a sales contract providing for payment by documentary credit. 0pening Bank: The Bank issuing the L/C in favor of exporter is known as opening Bank. The opening bank opens L/C on request of importer according to application of the importer. Advising Bank: The Bank through L/C is advised their agent (correspondent Bank) abroad.The duty of the advising Bank is to authenticate the message so that is to the seller can act on it without any fear of forgery etc. Beneficiary: Seller and exporter in whose favor the L/C are opened. The beneficiary is normally the seller of good who receive payment under documentary credit. If has compiled with terms and conditions thereof. Negotiating Bank: The Bank that is authorized to handle (purchase) the documents under the L/C in the exporting country is known as negotiating Bank. L/C will stipulate either a notified bank to negotiate (restricted L/C) or any bank can negotiate in the seller’s country (unrestricted L/C). Reimbursing Bank: The Bank that is (by the L/C issuing Bank) to effect reimbursement is known as reimbursing bank.Reimbursing Bank authorized to honor the reimbursement claims in settlement of negotiation/ accepting/ payments lodged with its by the paying/ negotiating/ accepting Bank. Confirming Bank: A Confirming Bank is one which adds the guarantee to the credit opened by another bank. Therese undertaking the responsibility of payment/ negotiating/ acceptance under the credit in addition to that of the issuing Bank. A confirming Bank normally doe s so it requested by the issuing Bank. Types of L/C: – Revocable/ irrevocable L/C – Confirmed/ unconfirmed L/C. – Transferable L/C – Back to back L/C – Acceptance L/C – Revolving L/C – Red clause L/C – Green close L/C The EXIM Bank basically deals with irrevocable L/c. which can not be amended or cancelled by the issuing Bank at any moment and without prior to the beneficiary.It also deals back to back L/C, which is the letter of credit, provided by the exporter to the import the raw materials from abroad in order to produce the exportable commodity for the importer. Procedures for opening L/C: Application for opening L/C: An importer who is desirous to import goods from foreign country will apply Issuing Bank for opening a L/C. The importer will provide an application mentioning the following aspects: 0 Full particulars of applications Bank account. 0 Types of business 0 Historical background 0 Amount of required L/C limit 0 A mount of L/C margin. 0 Term of payment 0 Name of imported goods 0 Repayment schedule and source of fund Document schedule and source of fund.An importer or L/C opener has to submit the following documents 0 Application from (provided by the Bank) 0 Import registration certificate 0 Pro-forma invoice 0 Four sets of IMP from 0 Insurance cover not 0 VAT registration number 0 Tex registration number 0 Letter of credit authorization form Examination for opening L/C: Application must be carefully checked by the concerned officer considering the facts mentioning below: ? The terms and conditions of L/C applications are consistent with exchange control and import trade resolution UCPDC 500. ?Illegibility of imported goods ?The L/C must be opened in favor of importer ?That is signed by the importer and agreed with the terms and conditions. Indenting registration number ?Goods are not of Israel and vassals to be used are not of Israel ? Insurance cover note with date of shipment. ?Whether RC is up to date or not ?Whether IMP form is duly filled up and singed ?The imported goods are marketable After scrutinizing all thee legal aspects necessary entry is given to the margin register and charge, commission and margin in realized. Transmitting the L/C: The L/C is transmitted to the advising Bank for advising the L/C to he beneficiary. L/C is generally transmitted through tested Telex of Fax. Before transmission of final examination of the L/C contents is