Financial Management International Currency Exposures Case Study

Question: You have been employed as a business specialist to investigate XYZ Company. While your customer is effective, he/she doesn't generally comprehend money related numbers and wants your assistance. Your customer needs to pay you to do the schoolwork and due ingenuity for his benefit before he puts away his cash. Your business to address the inquiry Is XYZ Company the correct organization to put resources into? If you don't mind be set up to guard your proposal, in any case (regardless of whether you are suggesting possibly in support of interest in your customers picked firm.)The Process:Since this is your first counseling activity for this customer, you need to do it right. All things considered, this could prompt extra examination open doors for you not far off. Subsequent to benchmarking with other budgetary experts, and review a portion of their work, you believe you have to give the accompanying data to your client:1. Brief history and portrayal of the companys tasks, foundation, e ssential item/administration contributions, clients, business sector(s), etc.2. Brief profiles of top administrators and leading group of directors3. Monetary examination of XYZ Company dependent on information gave from the most recent multi year money related reports (Annual Reports and 10Ks). (note: you should pick a traded on an open market enterprise so as to have the option to get to this data)4. Report on the qualities and shortcomings of any money related patterns of XYZ Corporation5. Market execution (stock value/returns throughout the most recent five years comparative with the SP 500 file and major competitors.6. XYZ Companys contenders who are they, size, foundation, etc.7. XYZ Companys industry what are slants in this industry?8. Your appraisal of companys possibilities going ahead and speculation suggestion (purchase, sell, or hold the stock)9. In view of your exploration, where do you think XYZ Company will be in three to five years? Give the valuation on 3 to 5 years going ahead. To help answer this inquiry you have to realize the organization just as the business. Ensure you give and bolster the suppositions used to extend the companys future. Answer: Presentation The accompanying report speaks to the features of an organization, recorded in United States looking at the general money related execution of the organization with the end goal of speculation. Organization chose for introducing the report is The Coca Cola bargains primarily in soda pops and refreshment items as of now exchanging at a cost of $43.49 in the New York Stock Exchange (Coca-Cola Global: Soft Drinks Beverage Products., 2016). Companys foundation The Coca Cola Company established in the year 1886 by John Stith in Georgia, United States, is one of the biggest nonalcoholic refreshment delivering organizations. The association has seven significant working framework dependent on geological locale including, Europe, North America and Asia Pacific. Lion's share of the companys income creates from North America locale from the offer of completed items while different districts works underway and offer of syrups and refreshment concentrates (Coca-Cola Global: Soft Drinks Beverage Products., 2016). The chief estimation of business for the organization is its purchasers inclination, to manufacture valid and solid relationship with the present and prospect clients. Companys customers incorporate stores, discounters, cinemas, multiplexes, cafés, inns, caf among others. Its essential items are non-mixed refreshment that incorporates Coca Cola, Sprite, Diet Coke, Fanta and comparative other soda pops (Coca-Cola Global: Soft Drinks Beverage Products., 2016). Top Executives and Board of Directors At present the companys Board Chairperson and Chief Executive Officer is Muhtar Kent having solid duties to the ethics and qualities to make the organization economical and beneficial in the serious ventures (Coca-Cola Global: Soft Drinks Beverage Products., 2016). James Quincey, president just as Chief Operating Officer of the organization since the year 2013, answerable for associations working portions around the world. Under his initiative, one of most beneficial working sections of the organization deliberately extended its portfolio over the world. Other Board of Directors of the organization incorporates Herbert Allen, Ronald Allen, Marc Bolland, Ana Botin and Barry Diller (Coca-Cola Global: Soft Drinks Beverage Products., 2016). Conversation Money related investigation The business income of Coca Cola during the money related year was around US$44.29 million which expanded from US$35.12 million in the year 2010. The organization claims in excess of 500 brands in the nonalcoholic refreshment items. Its estimated deals unit in the year 2015 was 2,055 million while in the year 2014 it was around 2,003 million (Coca-Cola Global: Soft Drinks Beverage Products., 2016). Figure 1: Sales income diagram (Source: Coca-Cola Global: Soft Drinks Beverage Products., 2016) The companys value shareholding reflects normal of US$25 Billion in the monetary year 2015 to US$31 Billion in the year 2010. Aside from that that associations current resources shows not too bad development between the years 2015 and 2010 with the estimation of US$ 33.4 Billion, US$ 32.99 Billion, US$31.3 Billion, US$ 30.33 Billion, US$ 25.5 Billion and US$ 21.58 Billion separately. Also, the associations net edge rate was at a normal of 60% since the financial year 2010 to the year 2015 while its working edge rate was between 20% - 22% over the most recent five years. Productivity proportions of the Coca cola Company uncover the ceaseless development and maintainability as a biggest and famous brand for soda pops and rewards (Coca-Cola Global: Soft Drinks Beverage Products., 2016). Productivity proportions 2010 2011 2012 2013 2014 2015 Duty rate 16.74 24.52 23.06 24.84 23.60 23.31 Net Margin rate 33.63 18.42 18.78 18.32 15.43 16.60 Normal Asset Turnover 0.58 0.61 0.57 0.53 0.51 0.49 Profit for Assets rate 19.42 11.21 10.86 9.74 7.80 8.07 Normal Financial Leverage 2.35 2.53 2.63 2.71 3.04 3.53 Profit for Capital (Equity) rate 42.32 27.37 28.00 26.03 22.36 26.31 Profit for Capital Investment rate 26.69 14.87 14.27 12.58 9.86 10.63 Intrigue Coverage proportion 20.43 28.43 30.75 25.79 20.31 12.22 Table 1: Profitability proportions (Source: Created by creator) Quality and shortcoming of money related patterns The organization is probably the biggest maker and wholesalers of soda pops and rewards with the most noteworthy position in buyers wellbeing brought a rating of A++ for having solid budgetary situation in the economy. Companys center qualities are attention to mark, ground-breaking appropriation arrange, solid client relationship, premium quality items, solid working frameworks and extraordinary initiative. Concerning the money related data, companys gigantic development in deals at around 10% inside most recent five years though its money subsidize shows US$ 12.8 Billion in the year 2011 and US$ 7.31 Billion in the year 2015. The distinction in real money subsidize mirrors the profit circulation to the financial specialists just as work of assets in the business to extend and consolidate new ventures (Coca-Cola Global: Soft Drinks Beverage Products., 2016). Then again, the companys remarkable shortcoming is its poor administration in the water fragment and changes in outside money. As the organization is in assembling of drinks and reward items, water is its fundamental fixing as a crude material. Water is a huge component for the government assistance of purchasers too in light of the fact that it is a lacking asset in different areas of the world henceforth the organization needs to confront a few difficulties for abusing it. Aside from that, organization works in numerous locales over the world around 200 nations and in this way, acquires its money related exercises in various outside monetary forms like euro, Japanese yen and Mexican peso. In the year 2014, the association determined its income of around $26.2 Billion from the business activity outside the nation United States. Henceforth, the ascent and fall in cash trade rates influence the outside presentation as for remote trade misfortune (Coca-Cola Global: Soft Drinks Beverage Products., 2016). Market execution At present the supply of Coca Cola (KO) is exchanging at $43.48 with a negative difference in 0.03 to 0.07 percent records in New York Stock Exchange. In the year 2015, increment in Earnings Per Share (EPS) was 13.5% while the installment of profit expanded by 11.1% contrasted with the year 2014 (Coca-Cola Global: Soft Drinks Beverage Products., 2016). Figure 2: Market development (Source: Coca-Cola Global: Soft Drinks Beverage Products., 2016) There was additionally increment in the Book esteem per offer and free income between the year 2010 and 2015. In the year 2010, the organization had $7,317 Million free income supports which expanded to $8,209 Million in the year 2014 however it declined by modest quantity in the year 2015 to $7,975 Million. Besides, there has been steady increment in the attractive protections of the organization in the previous five years added up to US$ 4,269 Million out of 2015, US$ 3,665 Million out of 2014, US$ 3,147 Million out of 2013, US$ 3,092 Million out of 2012 and US$ 144 Million of every 2011. Considering the companys current system on development of business activity, the administration and Board of Directors have intended to contribute US$ 3 Billion as a drawn out speculation to help the new task for its maintainable development (Coca-Cola Global: Soft Drinks Beverage Products., 2016). Contenders of the organization Coca Cola have a few significant rivals in the refreshment business like PepsiCo, Inc., Tree Top, Inc., Citrus World, Inc., Dole Food Company, Inc., Monster Beverage Corp., and comparative different organizations. Companys compet

15 - GEOG - 123 Essays - Glacier Bay National Park And Preserve

15 - GEOG - 123 Anthony November 22, 2000 Goes In Alaska Goes in Alaska takes perusers out traveling to Alaska through the striking portrayals of the creator, John Muir. The book depends on diaries Muir composed during his visits to Alaska in 1879, 1880, and 1890. These accounts of his excursion relate his perceptions of nature, ice sheets, and the numerous individuals he met. Going by walking, by kayak, and dogsled Muir experienced fervor finding new kinds of terrains and creatures. Each late spring Muir and his newly discovered Presbyterian preacher companion S. Lobby Young joined by Tlingit Indian aides propelled broad journeys of revelation in a thirty foot kayak. John Muir was a naturalists who wanted to go to wild places and experience the miracles of nature. Section One of Travels In Alaska is roused by the delightful landscape Muir writes in his vessel in course to Puget Sound. He depicts the landscape, climate, and cordiality appeared to him by the people he met during his excursion through the Alexander Archipelago to Fort Wrangell and Sitka. Likewise, a man named Mr. Vanderbilt offered John a room and a spot at his table. The Vanderbilt family involved the best house in the post and this is the place he found a genuine home; with the opportunity to go on a wide range of journeys as happenstance advertised. Muir's liner goes first to Sitka, at that point on to Wrangell. The Klondike dash for unheard of wealth was at this point to start, however John knew about twenty-eight excavators who had quite recently gone from Sitka into the Yukon to prospect. The following summer he went over and met some of the first twenty-eight excavators in S.E. The Frozen North in Sum Dum Bay. While in Wrangell Muir was embraced by the Stickeen Bundle 2 clan, and given an Indian name (Ancoutahan) that implies received boss. Being received by the Stickeens was an astounding protection while John was on his movements among the various clans of the archipelago. Nobody having a place with different clans would assault him, realizing that the Stickeens would consider them responsible. Muir likewise portrays devouring and moving at Chief Shakes brick house, and encountering the most wonderful nightfall he had ever observed. The 350 mile Stickeen waterway was the start of the course to the Cassiar and MacKenzie gold fields. Liners could explore the initial 150 miles to Glenora and old Hudson's Bay exchanging post; and here and there another 15 miles to Telegraph Creek. Muir portrays the stream by its heavenly gully, grand precipices, and mountains with icy masses and cascades. John discloses the bombed endeavor to cruise the steamship Cassiar to visit the Chilcat clan. Be that as it may, he did some icy mass strolling after the Cassiar needed to pivot and portrays the ice sheet completely. By the by, John sets out on a second excursion up the Stickeen River. John climbs far into the inside with an accomplice named Le Claire who disclosed to him numerous accounts of his courageous existence with Indians, bears, wolves, day off, hunger. On John's arrival trip he met a few gatherings of Indians progressing, going north to chase. Moreover, Muir making the most of his inland side excursion. Muir sets out from Glenora to climb Glenora Peak and portrays the general perspectives on the practically vast space of the Coast Range. During the investigation of the Stickeen Glaciers, Muir does broad ice sheet strolling making numerous logical and masterful observances. John Muir was resolved to go as far north as could reasonably be expected, to perceive what he could. On October 14, 1879, John Muir and Mr. Youthful left Wrangell. Utilizing Vancouver's outline, they produced an excursion in excess of 800 miles in length. Muir and Young halted at numerous towns and camps along he way. With a couple of exemptions, all the towns communicated their readiness to get them. After Pack 3 visiting the town of Hoonah Muir and Young crossed Icy Strait into Glacier Bay. Outdoors on the sea shores of the Grand Pacific Glacier he portrays the dawn against that Fairweather Range. Vancouver's graph indicated no hint of Glacier Bay that they had found. The Chilcats are the most powerful of the Thlinkit clans. While with the Chilcats, Muir and Young had five gatherings, every one of them conveying addresses. They started to feel very comfortable in the huge square house with their accommodating Chilcat companions.

Stages of Prenatal Development

Stages of Prenatal Development Theories Developmental Psychology Print Stages of Prenatal Development By Kendra Cherry facebook twitter Kendra Cherry, MS, is an author, educational consultant, and speaker focused on helping students learn about psychology. Learn about our editorial policy Kendra Cherry Medically reviewed by Medically reviewed by Steven Gans, MD on June 11, 2017 Steven Gans, MD is board-certified in psychiatry and is an active supervisor, teacher, and mentor at Massachusetts General Hospital. Learn about our Medical Review Board Steven Gans, MD Updated on September 29, 2019 Illustration by Katie Kerpel. © Verywell, 2017. More in Theories Developmental Psychology Behavioral Psychology Cognitive Psychology Personality Psychology Social Psychology Biological Psychology Psychosocial Psychology While you might think of child development as something that begins during infancy, the prenatal period is also considered an important part of the developmental process. Prenatal development is a time of remarkable change that helps set the stage for future psychological development. The brain develops over the course of the prenatal period, but it will continue to go through more changes during the early years of childhood Lets take a closer look at the major stages and events that take place during the prenatal period of development. The process of prenatal development occurs in three main stages. The first two weeks after conception are known as the germinal stage,  the third through the eighth week is known as the embryonic period, and the time from the ninth week until birth is known as the fetal period. Germinal Stage The  germinal stage  begins at conception when the sperm and egg cell unite in one of the two fallopian tubes. The fertilized egg, known as a  zygote, then moves toward the uterus, a journey that can take up to a week to complete. Cell division begins approximately 24 to 36 hours after conception. Within just a few hours after conception, the single-celled zygote begins making a journey down the fallopian tube to the uterus where it will begin the process of cell division and growth. Through the process of mitosis, the zygote first divides into two cells, then into four, eight, sixteen, and so on. A significant number of zygotes never progress past this early part of cell division, with as many as half of all zygotes surviving less than two weeks. Once the eight-cell point has been reached, the cells begin to differentiate and take on certain characteristics that will determine the type of cells they will eventually become. As the cells multiply, they will also separate into two distinctive masses: the outer cells will eventually become the placenta while the inner cells will form the embryo. Cell division continues at a rapid rate and the cells then develop into what is known as a  blastocyst. The blastocyst is made up of three layers?? : The  ectoderm  (which will become the skin and nervous system)The  endoderm  (which will become the digestive and respiratory systems)The  mesoderm  (which will become the muscle and skeletal systems). Finally, the blastocyst arrives at the uterus and attached to the uterine wall, a process known as  implantation. Implantation occurs when the cells nestle into the uterine lining and rupture tiny blood vessels. The connective web of blood vessels and membranes that form between them will provide nourishment for the developing being for the next nine months. Implantation is not always an automatic and sure-fire process. Researchers estimate that approximately 60 percent of all natural conceptions never become properly implanted in the uterus, which results in the new life ending before the mother is ever aware she is pregnant. When implantation is successful, hormonal changes halt a woman’s normal menstrual cycle and cause a whole host of physical changes. For some women, activities they previously enjoyed such as smoking and drinking alcohol or coffee may become less palatable, possibly part of nature’s way of protecting the growing life inside her?? . Embryonic Stage At this point, the mass of cells is now known as an  embryo. The beginning of the third week after conception marks the start of the embryonic period, a time when the mass of cells becomes distinct as a human. The embryonic stage plays an important role in the development of the brain.   The embryo begins to divide into three layers each of which will become an important body system. Approximately four weeks after conception, the neural tube forms. This tube will later develop into the central nervous system including the spinal cord and brain. The neural tube begins to form along with an area known as the neural plate. The earliest signs of development of the neural tube are the emergence of two ridges that form along each side of the neural place. Over the next few days, more ridges form and fold inward until a hollow tube is formed. Once this tube is fully formed, the cells begin to form near the center.?? The tube begins to close and brain vesicles form. These vesicles will eventually develop into parts of the brain including the structures of the forebrain, midbrain, and hindbrain.? Around the fourth week, the head begins to form quickly followed by the eyes, nose, ears, and mouth. The cardiovascular system is where the earliest activity begins as the blood vessel that will become the heart start to pulse. During the fifth week, buds that will form the arms and legs appear. By the time  the eighth  week  of development has been reached, the embryo has all of the basic organs and parts except those of the sex organs. It even has knees and elbows! At this point, the embryo weighs just one gram and is about one inch in length. By the end of the embryonic period, the basic structures of the brain and central nervous system have been established. At this point in development, the basic structure of the central and peripheral nervous system are also defined. Research has shown that the production of neurons begins around day 42 after conception and is mostly complete sometime around the middle of pregnancy. As neurons form, they migrate to different areas of the brain. Once they have reached the correct location, they begin to form connections with other neural cells, establishing rudimentary neural networks. Fetal Stage Once cell differentiation is mostly complete, the embryo enters the next stage and becomes known as a  fetus.  The fetal period of prenatal develop marks more important changes in the brain. This period of development begins during the ninth week and lasts until birth. The early body systems and structures established in the embryonic stage continue to develop. It is at this point in prenatal development that the neural tube develops into the brain and spinal cord and neurons continue to form. Once these neurons have formed, they begin to migrate to their correct locations. Synapses, or the connections between neurons, also begin to develop. It is during the period between the 9th and 12th week at the earliest reflexes begin to emerge and the fetus begins to make reflexive motions with his arms and legs.?? This stage of prenatal development lasts the longest and is marked by amazing change and growth. During the third month of gestation, the sex organs begin to differentiate and by the end of the month, all parts of the body will be formed. At this point, the fetus weight around three ounces. The fetus continues to grow in both weight and length, although the majority of the physical growth occurs in the later stages of pregnancy. The end of the third month also marks the end of the first trimester of pregnancy. During the second trimester or months four through six, the heartbeat grows stronger and other body systems become further developed. Fingernails, hair, eyelashes, and toenails form?? . Perhaps most noticeably, the fetus increases quite dramatically in size, increasing about six times in size. So whats going on inside the brain during this important period of prenatal development? The brain and  central nervous system  also become more responsive during the second trimester. Around 28 weeks, the brain starts to mature faster with an activity that greatly resembles that of a sleeping newborn. During the period from seven months until birth, the fetus continues to develop, put on weight, and prepare for life outside the womb. The lungs begin to expand and contract, preparing the muscles for breathing. A Word From Verywell The prenatal period of development is a time of physical growth, but whats going on inside the brain is critical for future psychological development. The brain development that takes place during the prenatal period helps set the course for what will take place outside the womb. While prenatal development usually follows this normal pattern, there are times when problems or deviations occur. Learn more about some of the  problems with prenatal development. Disease, malnutrition, and other prenatal influences can have a powerful impact on how the brain develops during this critical period. But brain development does not end at birth. There is a considerable amount of brain development that takes place postnatally including growing in size and volume while changing in structure. The brain grows by about four times the size between birth and preschool. As children learn and have new experiences, some networks in the brain are strengthened while other connections are pruned.

Measuring Consumer Satisfaction In Online Banking Finance Essay - Free Essay Example

Sample details Pages: 17 Words: 5051 Downloads: 7 Date added: 2017/06/26 Category Finance Essay Type Narrative essay Did you like this example? Advances in electronic banking technology have created new ways of handling daily banking affairs, especially via the online banking channel. The acceptance of online banking services varies based on the customer perceptions, this research measures the acceptance of online banking in the light of Technology Acceptance Model. On the basis of a TAM literature and e-banking studies, we modified and used a model indicating online-banking acceptance among private banking customers in Bahrain. The model was tested with a survey sample, which was analyzed by SPSS program. The results of the research indicate that perceived usefulness and information on online banking on the Web site were the main factors influencing Online-banking acceptance. Since the mid-1990s, there has been a fundamental shift in banking delivery channels toward using self-service channels such as online banking services. During the past years online banking acceptance has been rapid and currently 55 percent of the private banking customers in Bahrain have an online banking contract with their bank. A line with the rapid development of technology, consumers are attracted to this application because of it convenience and the way it ease their lives (Anguelov et al. 2004). Of course, Bahrain like other countries aims to cope with the rapidly changing technology in order to provide a better way of life in the future by moving from the traditional way of doing transactions to electronic applications for example e- government, e-learning, e-commerce and e-banking. Therefore we chose to present one of these topics which is the online Banking because as we are working in the banking industry in Bahrain we want to measure consumer satisfaction in online banking to provide a portfolio which would be valuable for banks to retain and gain more users of online banking. Online banking in this study is defined as an Internet portal, through which customers can use different kinds of banking services ranging from bill payment to making investments. Therefore banks Web sites that offer only information on their pages without possibility to do any transactions are not qualified as online banking services. The goal of this study is to detect of the most important factors that influence online banking acceptance in the light of the technology acceptance model (TAM). More precisely, online banking acceptance will be studied from the information systems acceptance point of view referring to the idea that consumers are using banks information system (online banking service) directly and hence more knowledge on the factors that affect information systems adoption is needed in order to better understand and facilitate the acceptance. 1.1 Research Problem The main problem of this study is to investigate and explore the application of Online Banking in Bahrain in terms of the customers. For more specification, the main problem was divided into the following tw o sub problems: The impact of individual differences among users of Online Banking. The advantages and disadvantages of online banking from the customer perspective. 1.2 Research Objectives This study aims to: Represent the impact of individual differences among users of Online Banking Highlight the advantages and disadvantages of online banking from the customers perspective. Find out which sector of the society is not satisfied of the online banking and what the reasons that stand beyond this attitude are. 1.3 Research Importance Online banking has been an important way of conducting business by satisfying potential customers and gaining a competitive advantage. Therefore, the need of understanding the impact of individual differences of the customers as well as the benefits that the customers get when using online banking will allow the banks who do not apply this technology to thing seriously about applying it. Furthermore, emphasizes on the applicatio n of online banking for the banks that already applied it and try to customize the functions and the layout of the application base on the customers feedback. 1.4 Research Methodology In order to measure the satisfaction of online banking consumers, and how different factors such as: (Age, Gender, Occupation, Income, Education and Culture) effect on it. One of the techniques we use to evaluate consumer satisfaction is a basic consumer questionnaire; we have conducted a sample of 200 consumers randomly. The participants were located at different regions within the country and worked for different organizations. The questionnaire consisted of some multiple-choice questions, while the majority of items were measured on a seven-point Likert scale, ranging from strongly disagree to strongly agree and very likely to very unlikely. The survey was intended to elicit opinions of consumers regarding the use of online banking service. 1.5 Research Structure This study is divided in to four parts: the first part contains an introduction a long with research problem, research objectives, research importance, a brief of research methodology, part two is literature review on online banking and information systems acceptance model (TAM). The third part discusses in details the research methodology used in this work gather the necessary data. The forth part represents the challenges comprises of the results and analysis. In this part the data is analyzed using a factor, regression and correlation analyses. The final part consists of the conclusions and practical recommendation. 2. Literature Review The global business environment witnessed many changes in the last decade of the 20th century, among which is electronic commerce, or exchange of products and services through Internet and telecommunication networks (Kalakota Whinston, 1997). Most of the industries have been influenced by this emerging technology-based approach to business (Gunasekaran L ove, 1999). However, the impact of electronic commerce has been apparent in the banking and financial services industry when compared with other industry segments (Bughin, 2004; eMarketer, 2000). From the Asian market experience, it is clear that Internet banking is here to stay and will be a major channel to acquire and service customers. Recently, Internet usage and Internet banking has grown to more than 45.4 million in the Asia Pacific region (G. Kannabiran P.C. Narayan, 2005). It has been found (LiaoCheung, 2002) that individual expectations regarding accuracy, security, transactions speed, user-friendliness, user involvement, and convenience were the most important quality attributes in the perceived usefulness of Internet-based e-banking.Many researchers have argued that trust is essential for understanding interpersonal behavior and is relevant to e-banking. (Gefen, 2002; Jarvenpaa, Tractinsky, Vitale, 2000). Online banking acceptance has gained special attention i n academic studies during the past five years as, for instance, banking journals have devoted special issues on the topic (e.g. Karjaluoto et al., 2002; Waite and Harrison, 2002; Bradley and Stewart, 2003; Gerrard and Cunningham, 2003; Mukherjee and Nath, 2003). We can find two fundamental reasons underlying online banking development and diffusion. First, banks get notable cost savings by offering online banking services. It has been proved that online banking channel is the cheapest delivery channel for banking products once established (Sathye, 1999; Robinson, 2000; Giglio, 2002). Second, banks have reduced their branch networks and downsized the number of service staff, which have paved the way to self-service channels as quite many customers felt that branch banking took too much time and effort (Karjaluoto et al., 2003). Therefore, time and cost savings and freedom from place have been found the main reasons underlying online banking acceptance (Polatoglu and Ekin, 2001; Bl ack et al., 2002; Howcroft et al.,2002). Several studies indicate that online bankers are the most profitable and wealthiest segment to banks (Mols, 1998; Robinson, 2000; Sheshunoff, 2000). On this basis, no bank today can underestimate the power of the online channel. Luxman (1999) for instance estimates that in the near future the online channel reinforces its importance especially in the countryside, where banks have closed many branches. Without the possibility of managing banking affairs directly from home or office, customers easily perceive troubles in managing their financial affairs such as paying bills. As noted, online banking offers many benefits to banks as well as to customers. However, in global terms the majority of private bankers are still not using online banking channel. There exist multiple reasons for this. To start with, customers need to have an access to the Internet in order to utilize the service. Furthermore, new online users need first to learn how to use the service (Mols et al., 1999). Second, nonusers often complain that online banking has no social dimension, i.e. you are not served in the way you are in a face-to-face situation at branch (Mattila et al., 2003). Third, customers have been afraid of security issues (Sathye, 1999; Hamlet and Strube, 2000; Howcroft et al., 2002). However, this situation is changing as the online banking channel has proven to be safe to use and no misuse has been reported by the media in Bahrain. Organizations invest in information systems for many reasons, for example cutting costs, producing more without increasing costs, improving the quality of services or products (Lederer et al., 1998). It has been noted that users attitudes towards and acceptance of a new information system have a critical impact on successful information system adoption (Davis, 1989; Venkatesh and Davis, 1996; Succi and Walter, 1999). If users are not willing to accept the information system, it will not bring f ull benefits to the organization (Davis, 1993; Davis and Venkatesh, 1996). The more accepting of a new information system the users are, the more willing they are to make changes in their practices and use their time and effort to actually start using the new information system (Succi and Walter, 1999). A system that satisfies users needs reinforces satisfaction with the system and is a perceptual or subjective measure of system success. Similarly, usage of a system can be an indicator of information system success and computer acceptance in some cases. Whether the system is regarded as good or bad depends on how the user feels about the system. Especially if the users do not rely on the system and its information their behavior toward the system could be negative. Success is not necessarily dependent of the technical quality of the system (Ives et al., 1983). Using the system is connected with the effectiveness of the system systems that users regard as useless cannot be effective. Therefore it is important to find out the reasons why people decide to use or not to use information system (IS). This knowledge will help both systems designers and developers in their work (Mathieson, 1991) One of the most utilized model in studying information system acceptance is the technology acceptance model (TAM) (Davis et al., 1989; Mathieson, 1991; Davis and Venkatesh, 1996; Gefen and Straub, 2000; Al-Gahtani, 2001) in which system use (actual behavior) is determined by perceived usefulness (PU) and perceived ease of use (PEOU) relating to the attitude toward use that relates to intention and finally to behavior. According to the TAM these two beliefs are of primary significance for computer acceptance. PU refers to the prospective users subjective likelihood that the use of a certain application will increase his or her performance. PEOU is defined as the degree to which the prospective user expects the potential system to be free of effort (Davis et al., 19 89). According to DeLone and McLean (1992) system use as the dependent variable is acceptable, if system usage is not required. Although the TAM has been tested widely with different samples in different situations and proved to be valid and reliable model explaining information system acceptance and use (Mathieson, 1991; Davis and Venkatesh, 1996,), many extensions to the original TAM have been proposed (e.g. Venkatesh and Speier, 1999; Venkatesh and Davis, 2000; Venkatesh et al., 2002; Henderson and Divett, 2003; Lu et al., 2003). Recently, Venkatesh and Davis (2000) extended the original TAM by introducing the second generation of the model labeled TAM2 to explain how subjective norms and cognitive instrumental processes affect perceived usefulness and intentions. TAM is based on the theory of reasoned action (TRA) (Fishbein and Ajzen, 1975; Ajzen and Fishbein, 1980), which is concerned with the determinants of consciously intended behaviours (Ajzen and Fishbein, 1980; Davi s et al., 1989). Development of TRA started in 1950s and the first research concerning TRA was published in 1967 (Ajzen and Fishbein, 1980). Since 1967 TRA has been developed, tested and used extensively and its extension, the theory of planned behaviour (TPB) (Ajzen, 1991) utilized widely. TRA has proven successful in predicting and explaining behaviour across a wide variety of domains. TRA is based on the assumption that consumers behave rationally and that they collect and evaluate systematically all of the available information. Additionally, TRA assumes that people also take into account the effects of their possible actions and based on this reasoning make decision whether or not to take action (Ajzen and Fishbein, 1980). Individuals would use computers if they have a feeling that there could be positive benefits (outcomes) associated with using them (Compeau and Higgins, 1995). From the information systems perspective one relevant element of TRA is its assertion that an y other factor that influences behaviour for example systems design variables, user characteristics, task characteristics, political influences and organizational structure do so only indirectly by influencing attitude toward behavior, subjective norm or their relative weights (Davis et al., 1989). Although the TAM and the TRA share many issues they have some considerable differences. The first difference is that according to TRA beliefs are bound to context and hence they can not be generalised. Contrary to that, TAM states that PEOU and PU are issues that have an effect on acceptance of all information systems. The other significant difference is that in TRA all beliefs are summed together, but in the TAMboth beliefs are seen as distinct constructs. Modelling each belief separately allows researchers to better trace influences of all of the affecting factors on information systems acceptance (Davis et al., 1989). TAM has been tested in many studies (see, for example, Davis, 1989; Davis et al., 1989; Mathieson, 1991; Adams et al., 1992; Davis, 1993; Segars and Grover, 1993; Taylor and Todd, 1995), and it has been found that TAMs ability to explain attitude toward using an information system is better than other models (TRA and TPB) (Mathieson, 1991). These studies have found that TAM consistently explains a significant amount of the variance (typically around 40 percent) in usage intentions and behaviour. The use of an information system has been understood in many studies as the user acceptance of the information system in question (Davis et al., 1989; Davis, 1993; Al-Gahtani, 2001). In other words the use of information system acts as an indicator for information systems acceptance. 3. Research Methodology Our research was based on several related articles in respect to similar subjects that were searched from electronic library. Data for this study was collected by the means of a survey conducted in Kingdom of Bahrain in December 2009 to obtain opinions and examine the behavior of customers toward the use of online banking. A total of 200 questionnaire forms were delivered to respondents of which 120 were returned giving a response rate of 63 percent. Questionnaires were filled in three different places, at work place, at two well known banks who applies online baking, and at famous coffee shop. This resulted in a sample that was well distributed in terms of demographic information (e.g. age, income, and education). The questionnaire (shown in Appendix I) consisted of questions that were related to background, possible factors affecting acceptance of online banking and use of online banking services. Likert five point scales ranging from strongly agree to strongly disagree were used as a basis of questions. Based on this information the questionnaire was modified and finalized. On the basis of previous studies on computer and information systems acceptance, the use of the information system was chosen to be th e indicator for success. The use of online banking services was chosen as the dependent variable in the model. 4. Challenges In this study, we have challenged the customer satisfaction ambiguous view on online Banking. Therefore, we have referred to the model (as shown below) indicating online banking acceptance among private banking customers in Bahrain through using TAM literature and e banking studies. The Existing System Based on the literature review, a model indicating the acceptance of online banking was developed (Figure 1). The model consists of five factors that we posit to have an effect on acceptance of online banking. Source: Davis, F.D. (1989), Perceived usefulness, perceived ease of use, and user acceptance of information technology, MIS Quarterly, September, pp. 319-40. Perceived usefulness PU and perceived ease of use PEOU In TAM, PU is a significant factor affecting acceptance of an information system (Davis et al., 1989). Davis defined PU as t he degree to which a person believes that using a particular system would enhance his or her job performance (Davis, 1989). PEOU is another major factor that affects acceptance of information system (Davis et al., 1989). PEOU is defined as the degree to which a person believes that using a particular system would be free of effort (Davis, 1989). Therefore an application perceived to be easier to use than another is more likely to be accepted by users. By applying this model into online banking: H1. Perceived usefulness (PU) has a positive effect on consumer acceptance of online banking H2. Perceived ease of use (PEOU) has a positive effect on consumer acceptance of online banking Perceived enjoyment Enjoyment refers to the extent to which the activity of using a computer is perceived to be enjoyable (Davis et al., 1992). Perceived enjoyment differs from Perceived usefulness, PU which can be seen as an extrinsic motivation whereas perceived enjoyment (PE) as an intrinsic motivation to use information systems. A number of studies on PE (Davis et al., 1992; Igbaria et al., 1995; Teo et al., 1999) have noticed that intention to use computers is highly affected by PE. Igbaria et al. (1995) found that PE correlates positively with time of use but not with frequency of use or number of tasks. In contrast Teo et al. (1999) noted that PE correlates positively with frequency of Internet usage and daily Internet usage. Definitions of perceived fun and perceived playfulness are almost similar to the concept of PE. These terms are all handled as the same. According to Igbaria et al. (1994) perceived fun refers to the performance of an activity for no obvious reinforcement other than the process of performing the activity. They found that system usage and the perceived fun were positively correlated with each other. Moon and Kim (2001) define perceived playfulness as consisting of three parts: concentration, curiosity and enjoyment. They discovered that the p erceived playfulness had a significant impact on the intention to use the Internet. On this basis, it is expected that PE affects the acceptance of online banking: H3. Perceived enjoyment (PE) has a positive effect on consumer acceptance of online banking Amount of information on online banking The amount of information consumers have about online banking has been identified as a major factor impacting the acceptance of online banking. According to Sathye (1999) while the use of online banking services is quite new experience to many people, low awareness of online banking is a major factor in causing people not to get benefit from online banking. In an empirical study of Australian consumers Sathye (1999) found that consumers were unaware about the possibilities, advantages/disadvantages involved with online banking. Thus, this hypothesis applies: H4. The amount of information a consumer has about online banking has a positive effect on consumer acceptance of online ban king Security and privacy One of the important points is security and privacy which has a direct affect to the acceptance of online banking (Roboff and Charles, 1998; Sathye, 1999; Hamlet and Strube, 2000; Tan and Teo, 2000; Polatoglu and Ekin, 2001; Black et al., 2002; Giglio, 2002; Howcroft et al., 2002) ( I suggest to remove some of the references from this part). To be more precise, privacy and security were found to be significant obstacle to the adoption of online banking (Sathye, 1999). Roboff and Charles (1998) found that people have a weak understanding of online banking security risks although they are aware of the risks. Finally they argue that although consumers confidence in their bank was strong, their confidence in technology was weak (see also Howcroft et al., 2002). As the amount of products and services offered via the Internet grows rapidly, consumers are more and more concerned about security and privacy issues. In general, many consumers refuse to give private information over the telephone or the Internet, for example credit card information- card number and password (Hoffman and Novak, 1998). According to many studies (e.g. Westin and Maurici, 1998; Cranor et al., 1999) privacy issues have proven important barriers to the use of online services. Gathering and recording user data without consumers awareness concerns them (DePallo, 2000). Users want to control what kind of data is collected, for what purposes, how long data is recorded for, how and for what purposes their data is processed (Kobsa, 2001; Kobsa, 2002). As trust, in this article it has been concentrated only on level of confidence in the technology which online banking service provider. Thereby it is proposed that: H5. Security and privacy have a positive effect on consumer acceptance of online banking 5. The Proposed Solution In accordance to the result base on the survey, it was found that online banking is widely and mostly used by customers with mi ddle and high level income aged around 32 years. Consequently, banks have to find the reason behind that online banking is used by a certain portion of customers and not all. They need to enhance the web page and make it user friendly and easy to use. In addition, the main reason of not using online banking is that customers do not know how to use it. This means that way of using online banking service is not well explained by some banks. Therefore, banks need to make it clear for their customers by advertising for this service by making a manual available on their web site of how to use online banking starting by the way of getting the password ending by the way of doing inquiries and financial transactions. 6. Analysis Results The average age of respondents was 32.74 years. 57 percent of the respondents were male. Approximately 20.7 percent of the respondents belonged to the lowest income level (under BD400 per month). About 45.5 percent of the respondents fell into midd le income level (between BD400-799 per month).The rest fit into the highest income level (over BD800 per month). Factor analysis ** A positive factor analysis was conducted on the items comprising PU, PEOU, security and privacy, and PE. The factor analysis was conducted using SPSS program (Please refer to Appendix II for Tables). The first factor, PEOU, consists of four variables. The second factor, PU, contained four variables. The third factor, security and privacy, was loaded with three variables .And the forth factor refers to PE and was loaded with five variables. We run a correlation analysis in order to test our hypothesis. The result indicate that Income, PEOU, PU, Security Privacy, and PE have a strong positively correlated with use (p0.05). In the regression analysis was conducted to reveal how different factors affect the use of online banking. The results of ANOVA indicate that the regression and residual sums of squares are not approximately equal, which indicates that most of the variation in use is not explained by the model. As a result only Income, PEOU, and PE seems that have a strong relationship with the use. Based on our data analysis, it seems that Income, PEOU, PU, Security Privacy, and PE statistically significantly clearly have a positive effect on the use of online banking. Background variables age, years of experience in computer usage, education, and gender are also statistically non-significant. This means that most of the research model (H1, H2, H3, and H5) was supported. The rest of the hypotheses were not supported by the data. ** Please refer to Appendix II for SPSS Tables. 7. Discussion In this section the discussion performed on theoretical contributions, managerial contributions, limitations further research, and a compression between the literature review the results. In details as follow: 7.1 Theoretical contributions From a theoretical standpoint, the results presented contributed to the existing literature in a number of ways. First, the research makes a contribution to electronic banking literature by providing insights on the factors that seem to affect online banking acceptance. The results hint that information about online banking services and its benefits is a critical factor influencing the acceptance. Moreover, security and privacy were found to have a relatively weak relationship with the acceptance. Secondly, the research contributes to the technology acceptance literature by suggesting that PU as well as perceived enjoyment (PE) were found to have some effect on technology acceptance. Furthermore, we found that PU was more influential than PEOU in explaining technology acceptance. 7.2 Managerial contributions The results of the research provide managers information that will help them to take decisions about the planning of online banking Web sites and service selection. In the planning and development of online banking services, software devel opers should pay attention to informative content that is above all perceived useful and with relevant information and services. In the marketing process of online banking services marketing experts should emphasize the benefits its adoption provides. Banks should now concentrate in their advertising more to informative issues rather than in building only brands with less informative advertisements. 7.3 Limitations and further research Although the results can be considered statistically significant in most parts, the research has several limitations that affect the reliability and validity of the findings. The research was limited mainly by the time factor; choosing to complete the research in one academic course fostered us to limit the number of the distributed surveys. Time was not the only limitation, but reaching the targeted sample and convincing them to respond to the surveys as soon as possible was another major problem that had a critical reason in delaying the proje ct progress. The other limitation of this work concerns the measures for user acceptance. TAM studies have found that PU and PEOU are not the only predictors of technology acceptance. Furthermore, another interesting avenue for further research could be a detailed study on online banking usage in firms. We should also measure online banking acceptance with other possible factors derived from different sources of literature. 7.4 Compression between the literature review the results: The impact of electronic commerce has been apparent in the banking and financial services industry when compared with other industry segments (Bughin, 2004; eMarketer, 2000). However according to the results of the research it was found that 77.7% of respondents their banks have online banking. Also, it has been found (LiaoCheung, 2002) that individual expectations regarding accuracy, security, transactions speed, user-friendliness, user involvement, and convenience were the most important quality attributes in the perceived usefulness of Internet-based e-banking. Many researchers have argued that trust is essential for understanding interpersonal behavior and is relevant to e-banking. (Gefen, 2002; Jarvenpaa, Tractinsky, Vitale, 2000). But most of the researches respondents who dont trust the online banking for several reasons such as they are afraid of security issues, they have a negative idea about all other aspects of online banking. However, several studies indicate that online bankers are the most profitable and wealthiest segment to banks (Mols, 1998; Robinson, 2000; Sheshunoff, 2000). While as a result of the research the two largest sectors of online bankers nowadays (2009) are 47% within the middle income level and 39% within the highest income level form the respondents which are using online banking. On this result, no bank today can underestimate the power of the online channel. Luxman (1999) for instance estimates that in the near future the onl ine channel reinforces its importance especially in the countryside, where banks have closed many branches. Without the possibility of managing banking affairs directly from home or office, customers easily perceive troubles in managing their financial affairs such as paying bills. But only 2.5% of the researches respondents dont have internet at home, so its not a problem in the new millennium anymore. As noted, online banking offers many benefits to banks as well as to customers. However, in global terms the majority of private bankers are still not using online banking channel. There exist multiple reasons for this. To start with, customers need to have an access to the Internet in order to utilize the service. Furthermore, new online users need first to learn how to use the service (Mols et al., 1999). But this is not the case anymore as 97.5% of the research respondents have an internet connection at home, and 61.5% of the respondents find the online banking easy to use. So its not a major problem anymore. Second, nonusers often complain that online banking has no social dimension, i.e. you are not served in the way you are in a face-to-face situation at branch (Mattila et al., 2003). But as a result for the research only 5% of the respondents who are not using online banking complained about this point. Third, customers have been afraid of security issues (Sathye, 1999; Hamlet and Strube, 2000; Howcroft et al., 2002). However 9% of the researches respondents (who are not using online banking) only afraid of security issues. Therefore, time and cost savings and freedom from place have been found the main reasons underlying online banking acceptance (Polatoglu and Ekin, 2001; Black et al., 2002; Howcroft et al.,2002). And this is what the results of the research indicated as 62% of the respondents find the online banking as a time saving, 51% of the respondents think that it gives them more freedom, and 50% of the respondents find it helps in c ost saving. Also, it has been noted that users attitudes towards and acceptance of a new information system have a critical impact on successful information system adoption (Davis, 1989; Venkatesh and Davis, 1996; 8. Summery and Conclusion The primary objective of the study was to study consumer acceptance of online banking in Bahrain in the light of the technology acceptance model (TAM) added with new variables derived from online banking acceptance literature. The model we developed proposed that online banking acceptance can be modeled with the variables derived from the TAM (PU and PEOU) and three other variables referring to perceived enjoyment (PE), information on online banking, and security and privacy. In the results section the model was tested with 200 consumers and revised. With the use of a factor analysis, five factors were identified suggesting that PU, PEOU, PE, information on online banking, and security and privacy have an impact on the acceptance of onlin e banking. The results of the regression analysis conducted on the five factors indicate that PU and the amount of information on online banking were found to be the most influential factors explaining the use of online banking services. This finding refers to the fact that consumers use online banking for the benefits it provides in comparison to other banking delivery channels. Furthermore, the findings indicate that while consumers get more information about online banking the more informative they become about the benefits it offers. Don’t waste time! Our writers will create an original "Measuring Consumer Satisfaction In Online Banking Finance Essay" essay for you Create order

The World After Running Out Of Fossil Fuels Would Be A

The world after running out of fossil fuels would be a horrible place for living. life would be hard and harsh. This is the case for us if we couldn’t find new energy resources. Nowadays, many countries are reliant on energy from conventional sources like crude oil, natural gas, and coal. These sources are limited and they eventually will run out at some point in the future. Considering this fact and increasing demands for energy, the search for new energy resources is reasonable and it should be taken seriously. In recent years, renewable energy resources have proven as an interesting alternative to conventional energy resources. Renewable energy resources like wind energy, solar energy, and hydropower result from the natural process and†¦show more content†¦Nonrenewable energy resources are still the main resources for the production of energy in many countries. Although there is an uncertainty about the estimation of the amount of these energy resources and the tim e for these resources to run out, they are finite resources (Spiers et al, 2015). In fact, the current rate of consuming these sources and the increasing demand for future are the reasons for fear of exhausting of nonrenewable energy. There have been arguments regarding using this energy efficiently or finding new resources to replace this energy (Luthra et al, 2015). For instance, coal as the most abundant energy resource among other fossil fuels will last just for next 250 years and the others will run out even sooner. (Mathew,2006) The other issue with fossil is its environmental impact especially the production of Greenhouse Gas which has been a serious concern around the world recently (Luthra et al, 2015). The amount of carbon dioxide (CO2) has been changed in the last 400000 years and the rise is expected. 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Managing Bullying and Harassment in the Workplace Free Essays

Workplace Bullying (the persistent exposure to interpersonal aggression and mistreatment from colleagues, superiors or subordinates) is a reverent problem in contemporary working life, with devastating effects on both targets and organizations (Nearest, Hole, Zap, Cooper 2003; Earner Seashell, 2005) There are different forms of bullying in this 21 SST century as it need not be physical with such advancement in technology. Bullying can be direct, indirect passive and through social media as well. Therefore we must outline the scope on what is bullying and what is not before we are able to draw up a way to manage such incidents. We will write a custom essay sample on Managing Bullying and Harassment in the Workplace or any similar topic only for you Order Now There is no specific legislation to combat workplace bullying in Singapore (Jay Parka’s, Inciting Injury: An Expos of workplace bullying in Singapore). There are many a time where workplace bullying is so minute in nature and often left undulate with that it is left unnoticed, however this acts of bullying builds up in time creating a hostile and fragile working environment. What is bullying and harassment? Physical and verbal abuse can be factored in as bullying but other forms of bullying may be too subtle. Harassment can be a highly sensitive topic as each individual person can take it to be in different ways. What one individual considers being an act of playful gesture the involved party may think otherwise. The Workplace Bullying Institute defines workplace bullying as â€Å"abusive conduct that is; threatening, humiliating, intimidating, or work interference and verbal abuse†. The consequences to the employers may include; reduced efficiency, productivity and profitability. Increase in absenteeism, sick leaves and staff turnover. Increase in indirect costs such as management time, engaging mediators and counselors. This list is not exhaustive as there are many other uniqueness an employer might face due to workplace bullying. On the other hand when we are to look at the consequences for the employees workplace bullying and harassment can cause extensive health problems including physical and psychological illnesses and injuries causing detrimental effects for them. Therefore for the organization to work towards sustainability it is important to first identify and try to eradicate if not hundred percent at least 90 percent of this problem, reason being it is not only the victim who suffers and feels the effects of bullying it is felt across all bevels of the organizations as we have seen from the non-exhaustive list given above. While it may seem that the above analysis may provide an insight into bullying in organizations, it is becoming evident that management has to start taking proactive steps and measures in identifying and putting forth solutions and implementations to address these pressing needs whereas if not losses can be incurred for the organization. 00006718 The first step to this is that the organization spells out clearly their stance and their outline on bullying and harassment before a person is being pointed to any post in the organization, also the management of the organization should clearly state and constitute which activities are considered to be bullying or harassment therefore making it difficult for employees to find any loopholes in the system therefore escaping the penalties. Once this is done, a directive should be spelled out and sent out to all employees in the organization regardless of their position or role in the organization, therefore bringing everyone in the organization to a common single understanding. Clear penalties and actions should also be included in he directive so as to deter any potential bullies from committing such acts. All staff across the board should be made to sign this directive enabling the management to take actions and hold guilty employees liable . These directives should be clearly formalized and well communicated to the frontline managers so that they can take actions if any one of the staff were to breach the directive. Secondly the organization should have a clear communication channel across the board from bottom up. Staff and personal across all level should have access to this communication channel and mad ware of such communication channel. The magnitude of effective internal communication is evident in past researches ( Muhammad Raff et al. 2009; Mark Chon, 2007) For example, Barrett (2002) accentuates, the best way to reach and employee is via face to face communication than relying on indirect channels such as electronic media. Falkland and Hide (2008) emphasizes on bottom-up communication. Furthermore, Welch and Jackson (2007) claims that, rather than treating employees as a single public, they should be segmented based on say structural levels of demographics. This can help in insuring that the relevant information targeted to reach the relevant person can reach them in a meaningful and smooth manner. Therefore with such communication channels put in place the management team are well aware of complaints against bullying in any levels of the organization and necessary steps and actions can be taken swiftly. Special helpline or trained HER staff in the area of counseling can be put in place to tackle sensitive issues which some employees may find it difficult in putting forth to their direct supervisors. Information from all cases must be upheld with the highest infallibility so as to protect the interests of the employee who is suffering or facing bullying or harassment in the organization. Lastly is to create a strong bond among the employees working in the organization. Inculcating a strong sense of bond between them and creating a strong sense of ownership towards the company and its common goal would enable the employees to work hand in hand to achieve the goals thus enabling the organization to realize its true benefits and bring out the fullest from an employee. If strong bonds are created at the start employees would e able to identify the differences which they have and sort them out accordingly without the help of the management of the interference of their superiors thus creating a better working environment. To achieve this, the organization can hold yearly bonding activities for their employees, invite professionals to give their opinions and facts on employee relationships, hold monthly meetings to iron out any issues arising and to let the employees swiftly handle the matter within themselves, Muhammad Shaffer s/o Mohamed Kids In conclusion, a well working and robust organization largely depends on heir sustainability of their employees. Toxic and unfriendly working environment may lead the organization to lack in certain areas, therefore immobility’s the organization in their growth. Organizations should therefore from the Start deter such bullying and harassment issues, even if these issues were to crop up in the later part of the organizations growth the management must be swift in handling and weeding out such problematic activities before it impacts the whole organization. As said above, bullying or harassment does not only affect the person who is the victim it’s effects can be felt across the hole organization as a whole. How to cite Managing Bullying and Harassment in the Workplace, Papers

Ethics and Airbus Essay Example

Ethics and Airbus Paper Case 2 4 final Presentation Transcript 1. Case 2-4: Ethics and Airbus Team 8 Heather Cutshall Chris Duley Rohan Ratnapal Sue Vang 2. Consisted of French, German, and British Government Signed a Memorandum of Understanding in September 1967 Based in Blagnac, France History 3. An aircraft manufacturing subsidiary of the European aerospace company EADS One of the world’s leading manufacturers of commercial jet airliners Representing more than 80 nationalities, in four European countries: Germany, France, Spain, and the United Kingdom Airbus Commercial What Airbus does? . Kuwait Kickbacks India Ink Mounties and Banks http://www. youtube. com/watch? v=VlkEkyS3gOQ http://www. youtube. com/watch? v=LfGx39FnlJUNR=1 Syrian Scandals Scandals 5. Only one case led to convictions Airbus benefited in India and Canada, but suffered in Kuwait and Syria. Boeing suffered in each case except the Syrian scandal Question 1 6. Never been indicted of bribery charges. The OECD Convention had not bee n ratified in France at the time of the cases. Question 2 7. Boeing could enter a joint venture with foreign government. Provide a different set of valued propositions Quality aspect Higher technological aspects Better passenger capacity Question 3 8. Marketing strategies were different between the two. Boeing acted more responsibly and ethically. Followed standards and procedures to get the sale. Airbus used bribery and kickbacks. Kuwait Airlines Corporation Indian Airlines Question 4 9. OECD Convention Yes Reputation High PDI High UAI Question 5 10. Airbus allegedly bribed foreign officials, but it has never been proven Airbus may have acted unethically, but did not act illegally, because France had not yet adopted the OECD convention Conclusion We will write a custom essay sample on Ethics and Airbus specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Ethics and Airbus specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Ethics and Airbus specifically for you FOR ONLY $16.38 $13.9/page Hire Writer

Life During the Roman Empire vs. Life Today †World Civilization Essay

Life During the Roman Empire vs. Life Today – World Civilization Essay Free Online Research Papers Life During the Roman Empire vs. Life Today World Civilizations Essay As the world we live on gets older, the people and materials on it change. You may ask yourself, â€Å"How did they live without television and radios?† It may seem to you that it would have been horrible and boring to live back in a time period such as the Roman Empire. The truth is, we do a lot of stuff today that they did back then. Don’t get me wrong there were some differences, but it wasn’t a different world. Keep reading and you’ll see what I mean. There are many similarities between life during the Roman Empire and life today. If you were a child back in the Roman Empire you would still go to school as we do today. Another similarity is that people today still enjoy the same activities as the Romans did. Some of these may include gambling, sports, and socializing. They socialized at public bathhouses, which are very similar to modern country clubs. A third similarity is that today we still live in houses and apartments. A fourth and final similarity is that both time periods have the same problems. These may include pollution, low housing, high taxes, crime, and a low amount of available jobs. Although life during the Roman Empire and life today are in fact very similar, they also have their differences. One difference is that in during the Roman Empire, the father would arrange his children’s marriages, while today you can pick your own spouse. Another difference is how long a child would attend school. Back in the Roman Empire, when a child turned twelve, the rest of their life would be decided. If you were a rich boy, you would continue your schooling and when you turned fifteen you would enter the school of rhetoric, or speech and writing. If you were a poor boy, you would go to work at whatever your father did. If you were a rich girl, you would continue school at home with a tutor. If you were a poor girl you would help your mother at home. Today, you go to school as long as you need to. If you don’t have the money, there are scholarships available. A third difference is that back in the Roman Empire, the father was the head of the house and his word wa s law. Today, it could be just the opposite, or a child could live with its older siblings. A final difference is that in the Roman Empire, the athletes they watched compete were usually killed. Today we treat out athletes with respect and protect them. In conclusion, life during the Roman Empire and life today have their similarities and differences. It is true that they didn’t have electronics or cars, but they thought they had it pretty good. People two thousand years from now may think the same of how you live. Research Papers on Life During the Roman Empire vs. Life Today - World Civilization EssayBringing Democracy to AfricaThe Effects of Illegal ImmigrationPersonal Experience with Teen PregnancyComparison: Letter from Birmingham and CritoAssess the importance of Nationalism 1815-1850 EuropeQuebec and CanadaBook Review on The Autobiography of Malcolm XTrailblazing by Eric AndersonStandardized Testing19 Century Society: A Deeply Divided Era

7 Resume Tips and 7 Interviewing Tips - from an HR Director!

7 Resume Tips and 7 Interviewing Tips - from an HR Director! If you want effective resume tips and spot-on interview tips, one good source is the Human Resources Director of a large organization. You might be thinking, â€Å"Brenda, I’m sorry, but I simply don’t have access to a dozen human resources directors at Fortune 500-sized companies who are sitting around waiting to talk with me about what hiring managers are looking for!† Thankfully, people like me attend informative events such as the National Resume Writers Association (NRWA) annual conference, held last week in Charleston, South Carolina. A dedicated group of career professionals, including me, were graced with a presentation by Tim Moran- Human Resources Director at Hallmark, Inc. Hallmark is a privately held company with a size comparable to a Fortune-500 company. The audience was hungry for Mr. Moran’s advice, and we were not disappointed! Here’s what he says about what hiring managers want: Top 7 Tips for Resumes and Cover Letters The reverse chronological resume still rules. If at all possible, arrange your experience with your most recent position first, and continue from there. There is a definite bias against skills-based resumes. The resume gets you in the gate; it does not get you hired. The goal is to spark enough interest that someone wants to know more. Most hiring managers do not read your summary section. They want to know concrete facts about what you’ve done. Specifically, and I quote, they are â€Å"interested in what the heck you did to make things better.† Hiring managers don’t like the Core Competencies or Skills sections that list a bunch of nouns and noun phrases. These lists are useful for computers (if formatted correctly) but not effective with people. Use the space taken up by these keywords to report your successes. Age is not always an issue. Many hiring managers realize that people are healthier and younger at 60 than they used to be. The trend also is for employees to stay 3-5 years, not 20, so age has become less of a liability. It’s not uncommon for Hallmark to hire people, especially artists, in their 60s. A Hobbies or Interests section is welcome! It can indicate intellectual curiosity and personality. You are judged on your cover letter. It’s important to put your thoughts together well and make a good impression. If it takes getting help from a resume writer to string your thoughts together well, it’s worth the investment! I found it enlightening (and somewhat of a relief) that Mr. Moran has no problem with people who get professional help with their resume and cover letters. He believes the goal of these documents is to get you in the door; as long as nothing is fabricated it doesn’t matter who writes them! Mr. Moran also shared tips for getting interviews, performing well in them, and entering into salary negotiations: Top 7 Tips for Interviews Negotiations The best way to get an interview is to take advantage of your networks. Get out there and talk to people! Confidence is key. The most important thing you can do is exude confidence, regardless of how long you’ve been unemployed or what â€Å"weaknesses† other people might think you have. It’s essential to have a short statement at the ready (your â€Å"elevator pitch†) that identifies your unique strengths and what you offer. How you carry yourself physically is extremely important. Confidence shows through your posture, facial expressions and handshake. You must exhibit a willingness to learn and adapt, over and over again. Come prepared with examples of how you embraced change and exceled. Do your salary research. Educate yourself on payscale.com and salary.com so that you can back up your salary request with knowledge about industry standards and cost of living in the relevant geographic area. Remember the 5 Ps: Positivity, preparedness, professionalism, perseverance and persistence. Did any of these words of wisdom surprise you? Are you going to change anything about the way you present yourself on paper or in person? Please share in the comments below. If you want to make sure your resume meets the requirements and preferences of hiring managers, consider hiring The Essay Expert. We look forward to working with you!

Strategic management Research Proposal Example | Topics and Well Written Essays - 1500 words

Strategic management - Research Proposal Example This is because Saudi Arabia encompasses the geographical scope of the area that was inhabited by the Prophet of Islam and the various activities he was involved in, during his life and the founding of Islam. Due to this, the King of Saudi Arabia has the title â€Å"Custodian of the Two Holy Mosques† (Ramady, 2010). This is primarily because Saudi Arabia controls the two holiest sites of Islam: Mecca and Medina. Saudi Arabia is an absolute monarchy that is controlled by the core principles of the Islamic faith (Niblock, 2006). The King of Saudi Arabia has an absolute power over activities in the kingdom and his decrees are obeyed without question (Bowen, 2008). This is necessary to preserve his authority as a major figurehead in the world of Islam. Also, the king has the right and power to appoint authorities to run the various public institutions of the kingdom (Roberts, 2007). Until the 1930s when oil was discovered in Saudi Arabia, education was mainly steeped in Islamic study and Islamic law (Roberts, 2007). By the 1940s, the need to acquire higher education institutions in Saudi Arabia was recognized by the King of Saudi Arabia (Abiur, 1988). This is because Saudi Arabia had two main options: to either rely on foreigners who had the skills or send their nationals to Europe, America or other nations with modern institutions of higher learning to get educated. This was seen as undesirable because it exposed Saudis to lifestyles that were not seen as complementary. In 1949, the King of Saudi Arabia commissioned the first college in Mecca but it was to operate a religious curriculum (Abir, 1988). A teacher training college was established in 1952 but the Ulama or religious elites controlled these institutions. Finally, in 1957, the King commissioned the University of Riyadh. Several universities and institutions of higher learning were opened after this. As Saudi public institutions, the universities are ran by authorities that are appointed by

Cassatt, Mary Assignment Example | Topics and Well Written Essays - 1500 words

Cassatt, Mary - Assignment Example tend the influence of their tutors to their styles in canvas, Cassatt’s style was notably different from the one used by Degas (National Art Gallery). According to the National Art Gallery, Degas also introduced Cassatt in the asymmetrical styles employed by Japanese artists and the use of bright colors. The use of bright colors according to Web Museum demonstrated a mood of gentleness that served to brighten by her constant use of the â€Å"golden lighting.† These aspects worked in harmony with the family and children which was the dominant theme in most of her works. Cassatt was always a quick learner who learnt the basics about a particular style in art and instead of reproducing the same pieces, she would always ensure that she employed her innovativeness to come up with impressive masterpieces. The best example is her portrayal of the techniques she learnt from Japanese art for instance asymmetry and wood block print. She was able to mould these techniques in such a way that they fit so perfectly within her own impressionsim themes. The paper looks at one of the works of Cassatt, â€Å"The Little Girl in Blue Armchair† (Figure 1) in order to relate it with its historical context, to establish the impact it had during the historical context, and the importance of the piece in contemporary art. The Context in which the Work was made. The painting of the Little Girl in Blue Armchair was done in 1878 and it painted in an oil canvas. The painting depicted the image of a little girl relaxingly sprawled in a chair. As outlined by National Art Gallery, the work demonstrated the keen observation of Cassatt in the way she managed to emphasize and display on an aspect that would otherwise be considered subtle and inconsequential. Cassatt manages to display the innocence of the little girl as she sits in the chair in a childlike manner. In a unique fashion of impressionism art Mary managed to use color, everyday life and light to demonstrate the beauty in an otherwise

The Easter Uprising :: History Historical Ireland Essays

The Easter Uprising Ireland was filled with nationalistic views that had set in around the 1890’s. The Irish were tired of the English occupation in Ireland and they were tired of the Protestant religious oppression of Catholics. So this is when Patrick Pearse and James Connolly led a band of around 1,200 Irish Nationalists on Easter Monday into a rebellion against the English, who occupied Ireland at the time. The uprising began the day after Easter, 1916. The rebels took control of the General Post Office and held out for six days. This was a great try by the Irish but it was not a success. â€Å"Although the Rising itself ended in failure, it left behind a tradition of struggle that had far-reaching consequences." (Marxist) This quote by Ted Grant sums up the end of the rising, for what he says is true, it was a failure but had more effects than just a L in the win/loss column for the Irish people. As one person puts it, there were many losses in all â€Å" Between January 1917 a nd July 1923 , well over 7,500 people were killed or wounded, in a country that murder had become a rarity.† The effects were more devastating than just that. One of the effects of the Easter Rising was Irish people speaking out for their country, Ireland. There were many people that wanted to speak out about what was happening to them. The Easter uprising although popular amongst a few amount of people, was not accepted by the masses of Ireland’s population. After the six days that Pearse held out the British army with hardly any time passing put and end to the uprising. One of the things that the British did when they stopped the rebellion was gave what they called peace to the people and arrested the leaders of the rising including Pearse and Connolly. Not all the Irish people agree with the rising. This quote from a leader of the Irish nationalist group shows how ones did disagree; The great bulk of the population were not favourable to the rebels, they got no popular support whatsoever. What is happening is that

Is China’s Investment in Africa an Example of Neo-Colonialism or Is It an Example of South-South Development

Is China’s Investment in Africa an example of Neo-Colonialism or is it an example of South-South Development? China has been significantly involved in the development of African countries in recent years, with an estimated 1 million Chinese people now residing in Africa. Trade between China and Africa was worth in excess of $100 billion in 2010, which shows how important the relationship between the two areas has become. However, there are questions surrounding whether China is merely using Africa for its own benefits rather than investing in development of the poorest continent in the world.Angola Angola is China’s largest trading partner with a trade value of $24. 8 billion in 2010. Angola is a country with vast oil reserves and is now China’s largest supplier of oil shipping one million barrels every day. This supply has caused many Chinese TNCs to setup operations in Angola. These TNCs have brought with them their own Chinese workers due to their reputation f or a high level of speed and efficiency in their work. These workers earn what would be a huge wage for Angolans (? 20 per day).They return this money back to China meaning that income is lost from Angola and also there is a reduction in employment opportunities for Angolan workers, which doesn’t help to improve the high unemployment situation. However, many Angolans think Chinese investment is a massive positive due to the new infrastructure, goods and services that will be available for the public to purchase. The Chinese are helping to reconstruct a main railway line that runs through a large part of Africa. This has allowed small business people to sell their goods all across Africa.The effect of this is an increase in consumption for the economies as trade is vigorous and this could cause an increase in economic growth if trading continues and also grows. Locals think that Chinese have done a good job on the railways as they are making more money (increase in standard of living) However, the railway is heavily linked with oil. China only provides loans and cheap finance (used to pay for railway) with Angola in return for the oil. So they’re not necessarily just developing a nation, they want to gain themselves in return.Oil is a key commodity needed for production, which is largely what China’s economy is made up of. Chinese construction companies also receive lucrative contracts, so income again is flowing back to China. So from this, we cans see that China has a neo-colonialism style relationship with Angola, but also has helped improve the standard of living for their people. Zambia Zambia has also experienced interest from China. Tourism is one of Zambia’s most important industries due to its scenery, weather and animal diversity.The Chinese tourist sector is growing massively, and will be essential for nations like Zambia in the future. However, factors of Chinese culture mean that Zambian wildlife is being threatened. Inc reasing numbers of elephants have been killed for their ivory, even though the international trade of it is illegal. But, its price on the black market has been soaring. Ivory is being made into chopsticks in China once it is exported. Also, many Zambian traders resent the Chinese competition. Zambians have lost a lot of income to Chinese sellers, and indigenous industries could be crushed by Chinese competition.Chinese sellers have also treated their workers terribly. Zambia has one of the largest supplies of copper in the world, and the Chinese Metal Ferrous Group now owns the mine. This is an example of exploitation of resources as they will export it back to China, and Zambia loses a great opportunity to generate large quantities of income. This an example of the Chinese taking as much as possible and giving little back to the local economy. This shows that China has had a completely negative impact on Zambia as a nation, and is a clear example of how neo-colonialism still can e xist.Zimbabwe Zimbabwe has experienced terrible economic problems recently. It has been hit with the second highest inflation rate ever recorded due to hyperinflation and the rapid decrease in value of their currency. It has been run for 30 years by Robert Mugabe. Western governments have imposed countless sanctions for his regime’s terrible record on human rights. However, China has supported Mugabe on the international stage and the Chinese government has opposed sanctions. Therefore, China is making life easy for Mugabe to continue to abuse human rights laws.Here again shows how China has had now positive impact on Zimbabwe, and they have decreased the standard of living for its people as Mugabe’s reign continues. The Democratic Republic of Congo The DRC has a vast reserve of copper, diamonds, cobalt and other rare metals. It is very important to China has their top import it valuable minerals with a trade value of $50. 6 billion, way above its second largest import of metal ($6. 5 billion). 90% of Katanga’s minerals go to China as miners sell their minerals to Chinese traders based in Congo.The miners say that the Chinese are effectively ‘stealing from them’ as the price they pay is so low for these valuable materials. Allegations have also been raised that local workers have been abused. China’s activity in the DRC is a typical example of neo-colonialism as they are exploiting miners and buying at such low prices it feels like they are being stolen from. Tanzania Tanzania is one of China’s oldest trading partners. One of the largest railways in the world, The Tazara Railway was built by Chinese workers in Tanzania, and is a symbol of pride for the country. China also gives Tanzania significant aid and financial support.This is one of the only examples that really shows how China are interested in developing an African nation and aren’t exploiting the country’s natural resources for their own ga in. Conclusion In conclusion, China is involved in both neo-colonialism and development in African nations. However, I think that they have a greater influence using a neo-colonialist style of interest. They have exploited many nations in Africa, so it is clear that they are trying to benefit their own nation and further increase their impressive rate of growth with cheaper resources for their thriving productive industry.

Exploring The Negative Effects Of Maternal Obesity

Nusrat Jahan Nicole Garret WRT 102 10/21/2015 Exploring the Negative Effects of Maternal Obesity Obesity in pregnant women is a global concern. In The United States, obesity is a critical public health issue—one in every three women is obese (Masho, et al). This issue becomes crucial in the context that 36% of pregnant women in the United States are obese (Shub, et al). Studies show a strong association between maternal obesity and health risks during pregnancy and labor. In addition, a disconnect in perception and awareness exists such that most obese pregnant women who gain weight during pregnancy underestimate their Body Mass Index (BMI); and also have poor knowledge about the risk associated with obesity. In our time period, there is a significant increase in the average body index in all age groups and most commonly with the women who are entering their reproduction age. According to the article, â€Å"Weight Gain During Pregnancy†, a normal weighted gravida, or pregnant woman, has BMI of 18.5–24.9 Kg/ m2, over-weight gravida has BMI of 25–29.9 Kg/m2, and obese gravida has BMI of 30 and greater Kg/m2. Obese pregnant women face many critical health risks compare to normal weight pregnant women. In the study â€Å"Maternal Obesity a Global Health Problem and Its Implications on Maternal and Fetal Health†, by Hashmi and his colleagues, they aimed to find out if obese women were at greater risk of having adverse reproductive outcomes compared to women with a normal BMI. By usingShow MoreRelatedThe Current Canadian Health Care System Essay1103 Words   |  5 Pagesdeterminants of health. Although each determinant of health may individually have effects on health, all are interrelated to create a web of elements that form the principles of our physical and mental health (Potter and Perry, 2014 p. 10). 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