Aunt Alexandra in “To Kill A Mockingbird” by Harper Lee Essay

Aunt Alexandra comes to the Finch residence at the end of chapter twelve, declaring that the family decided that it would be best for Scout and Jem to have some feminine influence in their lives. Scout knows that Alexander usually dictates what she wants upon the family, and uses the term the family decided to make her an even greater point of authority in the Finch family. Usually her dictations give her chances to impress her views on others or increase the family name and work towards the ideal family that she envisions. Examples of her tyranny include the time she made Atticus attempt to impress on the children the facts of life and how she forced herself upon Atticus and the children (dictating that she should move in with in them). Aunt Alexandra makes refreshments for the Missionary Society. These refreshments she makes herself rather than getting Calpurnia to make them; perhaps this is attempt to prove herself superior to almost everybody else while also adding to her reputation of a good hostess. As well as making refreshments for the missionary society Aunt Alexandra joined the Maycomb Amanuensis Club and became the secretary. Aunt Alexandra is slightly hypocritical because as an incurable gossip she has no problem making down almost everyone in Maycomb but couldnt hear a word against herself or the rest of the Finch family. She also said that almost everyone in Maycomb had a streak but when Atticus pointed out that the Finches had an incestuous streak she completely denied it. Aunt Alexandra has many good and bad qualities most concern the maturation and upbringing of the children. Good qualities include the fact she wants the best for Jem, Scout and the rest of the family, she will uphold any moral (page 146), she had plenty of pride in her family and she constantly tries to improve herself (page 147). However she has a lot of bad qualities; she is dictative, she is prejudice and she believes Finches are of a higher class to almost all others. Aunt Alexandra is a major character in the story because of she is one of the only points of authority and the greatest feminine influence for Scout and Jem. Despite her faults she does what she believes is best for the children  and community. Sources: To Kill A Mockingbird by Harper Lee

CBT and Multi Cultural Influence

Cognitive Behavioral Therapy in contrast to many other therapeutic frameworks has both an explicit rationale and an empirically demonstrable success rate. In addition to the wealth of published case histories there are a plethora of controlled studies attesting to the efficacy of CBT interventions with an equally diverse range of psychological and behavioral conditions. (Emmelkamp et al 1992). Cognitive behavioral therapy (CBT) is a type of therapy that aims to help a person manage their problems by changing how they think and act. It is a problem solving approach which recognizes that clients have a behavioral difficulty rather than that they are a behavioral problem. It encourages them to talk about how they think in relation to themselves, the world, other people and how what they do affects their thoughts and feelings. CBT can help to change how a person thinks (‘cognitive’) and what they do (‘behavior’), thus helping them to manage difficulties and feel better about life. Unlike most psychotherapies which only work with talk and reflections, CBT regards behavioral acts as primary. Treatment involves clients engaging in personal behavioral experiments, ‘practice makes perfect. ’ For many behaviorally based problems such as phobias obsessive compulsive disorder bulimia and the like there simply is no substitute for this way of working. Direct behavioral experience is often the most effective medium for articulating change. Action, that is, sometimes speaks far louder than words. To benefit fully from CBT, clients need to be committed to the process, maintain any homework agreed such as keeping a diary or undertaking experiments/challenges jointly agreed and/or decided upon between client and counsellor. It can help the client make sense of overwhelming problems by breaking them down into smaller parts. The outcomes of homework are reviewed and feelings discussed at each subsequent session. Most importantly CBT is a collaborative and empowering process in which the client is an active participant. Autonomy: respect for the client’s right to be self-governing BACP Ethical Framework for Good Practice in Counselling & Psychotherapy. A principal goal of this collaborative process is to help clients effectively define problems and gain skills in managing these problems. As in other therapies, CBT also uses other elements of the therapeutic relationship, such as rapport, genuineness, understanding, and empathy. The number of sessions required varies greatly depending on the presenting issues/problems and objectives, sessions usually lasting from anywhere between six weeks to six months. The client is helped to see how their thoughts and behavior relate to the way they feel, how this might contribute to the problems being experienced and that it is not the situation itself making them unhappy, but how they think about and react to it. CBT can help clients find ways to change thought patterns and behavior and to solve problems and anxieties better, but it cannot remove the problems. The skills learnt within CBT are useful, practical and helpful strategies that once learnt can be incorporated into an individual’s life to help them handle difficult situations better when future stresses and difficulties arise. However there is always a risk that the bad feelings associated with the clients problem return, but with CBT skills it should be easier for them to control these. Even after the client is feeling better and sessions have ended, it is important to emphasis the need to practice the skills acquired. CBT focuses on the individual’s capacity to change themselves their thoughts, feelings and behaviors it can help to manage problems, such as anxiety and depression, so they are less likely to have a negative impact on their life. However because of its structured nature, it may not be suitable for people who have more complex mental health needs or learning difficulties. Some critics argue that because the therapy only addresses current problems and focuses on very specific issues, it does not address the possible underlying causes of mental health conditions, such as an unhappy childhood. Neither does it address wider problems in systems or families that often have a significant impact on an individual’s health and well-being. Research has shown that cognitive behavioral therapy (CBT) can be as successful as medicine in treating many types of depression and other mental health disorders it can be completed in a relatively short time compared with other talking therapies and because it is highly structured, CBT can be provided in a number of different formats such as through computer programs, groups and self-help books. Some research suggests that CBT may be better than antidepressants at preventing the return of depression. It is thought to be one of the most effective treatments for anxiety and depression. When considering the significance and use of Cognitive Behavior Therapy within therapeutic practice (as with any other modality used) it is necessary to consider the impact/context within todays multi-cultural society. Awareness of Multiculturalism provides a fourth dimension to the three traditional helping orientations psychodynamic, existential-humanistic and cognitive. All learning occurs and identities are formed within a persons cultural context. Cultural identity is dynamic and ever changing in todays society. Understanding the cultural and socio-political context of a client's behavior is essential to accurate assessment, interpretation and treatment. It is imperative as counsellors to have and maintain increased self-awareness, as an essential starting point in developing multicultural competence. The appropriate application of skills in multicultural settings depends on both cultural awareness and relevant knowledge of the counsellor. ‘it is incumbent upon the individual practitioner to be knowledgeable about his or her own multicultural reality in order to use that information effectively in work with clients of various ethnicities, genders, ages, socioeconomic classes, religions, sexual orientation, differing abilities, and with those who use different languages’ Baldwin 2nd ed (2000 pg 167) Recognizing the importance of the many variables within modern day society such as, ethnicity, nationality, religion, variables such as age, gender and place of residence status variables such as social, educational and economic, and affiliations including both formal affiliations to organizations or families and informal affiliations to ideas and a lifestyle is essential to the effectiveness of any counselling therapy. It takes a olistic and intuitive approach to work within todays multi-cultural society, respecting that each person has many different cultures or identities with each identity becoming relevant at different times and places. One example worthy of consideration is metaphors, clients often use metaphors within therapy, recognizing that metaphors are and can be culturally bound and reflective of particular values, for example ’time is money,’ is an important consideration when working with clients. Implicit in their use are models of perception, thus the phrase ‘things are looking up’ not only conveys the message that things are improving but also reflects the idea that ‘up’ is good. The identification of the color black with bad things is frequently used metaphorically, in a way which reflects and reinforces the negative connotation given to all people and things black. The power of metaphors derives from the models which they provide for understanding, thinking and communicating about the world. Multiculturalism emphasizes both the way we are different from and similar to other people and is a situation in which all the different cultural or racial groups in a society have equal rights and opportunities, and none is ignored or regarded as unimportant. Thus avoiding discrimination, whilst also appreciating the difference and diversity between people. Justice; the fair and impartial treatment of all clients and the provision of adequate services BACP Ethical Framework for Good Practice in Counselling & Psychotherapy. Culture provides an adult/child with a particular way of look at the world, thus emphasizing some tendencies to the development of schemas and or rules and assumptions. In some countries the culture is still quite autocratic and male dominated, therefore leading to ideas about the importance of men, yet others are characterized as competitive and or oppressive. All these factors will affect a clients personality and ways of functioning. As we become more of a multi-cultural society culture becomes an even greater factor in the therapeutic relationship today and worthy of much care and consideration. According to Beck et al. (1979) clients tend to suffer from a ‘cognitive triad’ of negative beliefs, which includes negative beliefs about themselves, the world in general and their future. Beck also outlines three more components of his theory of depression, including automatic thoughts, schemas and logical errors. Margaret Hough 2nd ed (2002 pg,139) A central focus of Beck’s work with clients is to helping them change their faulty cognitions, including expectations and beliefs, by enlisting the clients participation as a colleague and equal rather than one of superior (counsellor) and inferior (client). The counsellors role is that of teacher and a role model of positive healthy behavior, rather than that of expert, therefore this approach should work well when working with muti-cultural cliental and because of the structured nature of CBT it is a positive approach that bares tangible effective evidence to encourage a client to tackle the presenting problem. Although CBT does not look specifically at a clients past it does help a client to look more realistically at their outdated beliefs or schemas ( I am unloveable or I am worthless) often errors in thinking picked up in childhood and early life. As counsellors/therapists it is however necessary to have in ones mind and consider client ethnicity during the various phases of therapy, however typically I believe if we are to maintain equality, we do not directly need to address ethnicity or ethnic differences in therapy sessions unless it is clearly part of the presenting problem, but maintaining an awareness to a persons ethnic origin and differences is essential for good practice. That said, this modality (CBT) would also be extremely useful in highlighting not only unchallenged beliefs and or rules, (typically rigid over inclusive, impossible to attain) but cultural differences, logical errors in thinking picked up in early life that no longer benefit or support the clients desired way of functioning. Because the approach is directive and highly structured it involves asking clients detailed and specific questions about their current feelings, whilst also identifying any automatic thoughts, thus enabling them in becoming ware of how they think about a problem, how it affects them physically and or emotionally and what they can do to alter the outcome. When a client see the sequence clearly change is possible. By encouraging the client to look at particular situations that disturb or upset them important information is elicited so that problems can be clarified from the beginning of therapy with objectives being set accordingly. The highly active, directive an d educational nature of cognitive behavior therapy serves to show clients how they disturb themselves and what they can do to change attitudes and or beliefs for themselves that no longer work. When clients become aware that they are able change themselves feelings of empowerment become evident and rapid progress is made. CBT is, as previously mentioned time limited and because of this clients develop a definite sense of purpose and awareness relating to their progress, coping strategies and developing self-help skills. Curwen et al (2000) stress the importance of empathy in the relationship, Margaret Hough 2nd ed (2002) this is essential to building trust and a genuine rapport given that the work could be extremely challenging.

Leadership and Team Building Essay Example | Topics and Well Written Essays - 500 words

Leadership and Team Building - Essay Example Different circumstance thus results in different leaders as such relative situations. According to this, an effective leader must offer the best solutions for the prevailing situation. Situational theorists, on the other hand, dictate that the best leader must develop a team that provides the best course of action based upon the relative situational variables (Coggins, 2009). This follows the understanding that every situation is different from the other and therefore requires a unique set of actions. Behavioral theorists dispel the notion that leaders are born. They believe that leaders are made and the process depends on the behavior of the leader. People see their leaders as role models and would, therefore, like to see admirable qualities in the leaders. This way, they develop teams consisting of obedient members who therefore achieve the success required of the projects. Participative theorists explain that leaders should consider the input of others in their group thereby appreciate the contribution of their followers. Such motivate creativity thereby developing the right mental states in the team members. The management theory of leadership bases its importance on the supervision, performance, and organization of a group. An effective leader must, therefore, be capable of organizing his or her group thereby achieves the successes required of such teams. Relationship theory of leadership lay more importance on the interaction between leaders and their followers (Hitt, Ireland & Hoskisson, 2011).

The Impact of Digital Marketing on Consumer Behaviour Essay

The Impact of Digital Marketing on Consumer Behaviour - Essay Example This study sought to determine the influence of digital marketing on consumer buying behaviour. Specifically, this research sought to attain the following objectives: 1. To determine the change in customer buying behaviour brought about by digital marketing among internet and mobile users in the UAE market. 2. To analyse the consumers’ attitude towards interactive digital advertising. 3. To examine the academic literature related to consumer attitude and digital marketing, thereby establishing the relation between both the concepts. For a marketer, communicating with customers anywhere at any time is an essential way to effectively promote products and services. Nowadays, this type of marketing communication has been revolutionized by the development and innovation of digital technology. According to Stewart, digital technology has paved way for immediate interaction between marketers and consumers through digital advertising. In the study done by Radzeviciute & Sliburyte, it was revealed that the most common form of digital marketing tool is the short messages where photographic images can be transferred to computer, mobile phones, and online community. With this, four sub-types of digital marketing strategies were also identified and these are the internet-based and email advertising, and mobile-phone-based SMS- and MMS-type advertising. Over the years, the growth and development of digital marketing has largely been due to its precision, personalization, precision, measurability, easy targeting, and customization.

Vedanta and Yoga Essay Example | Topics and Well Written Essays - 2000 words

Vedanta and Yoga - Essay Example Rather than a firm communal set of beliefs, the religion stays as a composite of diverse philosophical and intellectual viewpoints with no single founding pioneer. The smriti and sruti of Hindu texts encompass philosophy, temple building, theology and rituals amid other subjects of the Hindu religion. Agamas, Upanishads and Vedas constitute some of the leading scriptures of Hinduism. Hinduism stands in the third position after Christianity and Islam worldwide (Rinehart 2004, pp. 155-177). This paper seeks to outline ways in which the Vedanta and Yoga introduced a revolutionary new aspect to Hindu religion. Vedanta encompasses the theoretical foundation of classical Hinduism formed from Upanishads whereas Yoga entails the Yoga Sutras of Patanjali approaches in generic Hinduism. Attacks became launched by the Upanishads of age to increase the concentration on rituals. In this regard, the different monistic theories of the Upanishads became incorporated into a theistic context by the Bh agavad Gita, a sacred Hindu scripture. In the early centuries, several Hindu based philosophical schools became formally organized together with Vedanta and Yoga. Moreover, the development of Indian philosophies came along with the booming of both Buddhist and Hindu philosophies from the fifth to the ninth century. Vedanta emerged as the most solitary prevailing and influential philosophical school of thought. As a result, Sanskritic culture declined following the Gupta period. In addition, a religious convention became established among the pre-educated ethnic societies going through acculturation under the influence of the first medieval Purunas. Similarly, Dharmashastras and Brahmamic codes of Hinduism beliefs also experienced drastic transformations under the Purana authors. This resulted into the emergence of conventional Hinduism that in turn dominated over all formerly known traditions (Rinehart 2004, 179-202). Pujas based Hindu gods eventually replaced the Buddha royal spher es in the eighth century. In the same period, the Buddha royal spheres also became transformed into a Vishnu avatar. Additionally, the academic discipline of studying Indian culture on a European viewpoint came to be introduced in the nineteenth century. Certain societies endeavored to incorporate and bring together Dharmic and Abrahamic philosophies in establishing societal reforms. The same period also marked the emergence of very innovative movements founded on the teachings and personalities of individuals which remained deep-rooted in the aboriginal tradition of the religion. Moreover, prominent philosophers of Hinduism reframed, transformed and provided the religion’s introductory manuscripts for present-day audiences in new restatements in order to raise Vedanta and Yoga profiles in the West as well as attracting attention and followers (Sivananda 1999, n.p.). Vedanta indicates atman to be inarticulate from Brahman’s in the end, and that the objective of life wo uld be to recognize that an individual’s atman stays indistinguishable from that of Brahman. According to the Upanishads, an individual completely conscious of atman as the personal significance of one’s own self comprehends a personality with Brahman and in so doing reaches moksha. Hence, moksha relies on God’s grace and love towards Him whereas atman relies on God. Traditional Vedanta considered pratyaksa and anumana to be valid but inferior while shabda pramana to be the most dependable wealth of knowledge. Also, Vedantic philosophies became systemized into a single coherent discourse.

Military's last barrier to Equality Essay Example | Topics and Well Written Essays - 750 words - 1

Military's last barrier to Equality - Essay Example McSally therefore, justifiably argues that ban on women in combat should be repealed. The author, Martha McSally is a retired Air Force colonel who had led several combat positions and repeatedly proved that women are equal if not better than men in the area hitherto dominated by men. Indeed, many women who have served in Iraq and Afghanistan have even won silver medal for bravery in the field. They have proved their usefulness in various positions vis-a-vis at checkpoints for searching women and children for weapons, acting as agents under counterinsurgency strategy, going as frontline soldiers to kill enemies etc. But unfortunately, their meritorious actions have yet to be recognized as such in their own country of birth. They are still relegated to areas that are least equipped to exploit their huge potential as a military person in their home country. McSally is absolutely correct when she says that ‘current policy is a legal fiction, which not only degrades combat efficien cy, effectiveness and flexibility but confuses military commanders’. ... Women have not been the isolated cases where gender differences were used to subvert the rights of citizens. In the contemporary environment of sexual freedom, sexual equality has wider implications. The categorization of sexual preferences has resulted in people exhibiting homosexuality, gay or lesbian behavior. Thus, rights of such people have also come under lot of controversy. But recently, allowing homosexuals within the military services, President Obama has succinctly indicated that time for change has become a necessity. He has particularly emphasized that homosexuals’ contribution in military could significantly increase national security. Justice, fairness and equality must be enjoyed by all. But McSally is not impressed because the same has yet to be filtered down to encompass women who are still deprived of coveted positions in many areas of military services. Diversity within the workforce, especially related to sexuality of persons must be included at all levels of services. Equal opportunity has become a ground reality that must cut across gender. The patriarchal society has been the major factor that has consistently denied women their rightful place in the society. Their empowerment therefore, has become a major issue that must be addressed. While the constitution has been amended to facilitate their inclusion and gives them equal opportunities, the court of law has surprisingly been quiet in the matter of American military services where women are openly differentiated. The court’s intervention in the case of homosexuals is a positive step that should greatly influence the decisions of higher hierarchy of military services to ensure that army

Apply the universal intellectual standards and the elements of thought Essay

Apply the universal intellectual standards and the elements of thought compare and contrast your home culture (iraqi) with US Army culture - Essay Example te management planning in Babylon and training Iraq professionals in object talks, statues and sites to pursue special line of study in Erbil institute. The High respect of Iraq is depicted through the America’s projects who are the heirs to a culture and artistic legacy revere throughout the world. The culture of army profession in U. S is about morals and ethical values. The culture is about the basic elements and fundamental foundation of the profession that is known as trust. The U.S. army cultural value includes duty, loyalty, integrity, homage, integrity, selfless service and individual bravery. These values originate from the central beliefs of American culture. These values describe the depth and substance of American character, which are anchored on the common heritage, sacrifice and history. The Army values of all soldiers are characteristically defined through duty action guide who may be on and off. Moreover, the value shapes the army as a profession, implies what is paramount and influences the daily operations of the army. This value in U.S army guides the personnel’s’ behavior and actions as the United States ambassadors when working closely with partner nations and allies. The primary and most comprehensive strategy for the army commanders before planning for war is to make a judgment to establish war on which they are embarking on; they should not mistake it for, or turn it to thoughts that are alien. Iraq assumed to have ties and support from the Al-Qaeda terrorist groups. There was also unjustified thought that they had mass destruction arsenals because of the country’s programs of nuclear weapon, chemical and biological programs. They also had long-range missile development programs too. This convinced many that Iraq had reconstituted significant capabilities. In the president’s speech before the U.N, in September 12, the year 2002, Bush requested Iraq to disclose, swear and remove all the related weapons of mass destruction and

Popular Culture Essay Example | Topics and Well Written Essays - 250 words

Popular Culture - Essay Example The basic ideas of structuralism are taken from the works of Saussure and his basic concept of language and parole. Saussure played a significant role by being able to distinguish parole (speech) and language. According to him, speech is the actual utterance made by an individual while language is the significant symbol of communication. Therefore, structuralism borrowed heavily from this important achievement. An individual who is not from the same culture might see the cultural festivals as acts of immorality, barbaric and at time a waste of important resources. On the other hand, the other people perceive it as an opportunity to enjoy and have fun. A person who understands the structure would be able to understand the meaning as to why people organize street party, why they are masquerading, and why people are in masks. For example, if one attends the Rio de Janeiro carnival, he/she can be tempted to join the carnival festival and enjoy with the rests of the attendants. A person who understands the culture would be able to know that it is a kind of religious festival that marks the beginning of the Easter festive season (Valdivia, 2004). Someone who does not understand the structure might fear that the people putting on masks are evil, but if one understands the culture, his/her personal view would be completely

Sales and marketing PROJECT 213 Research Paper Example | Topics and Well Written Essays - 2500 words

Sales and marketing PROJECT 213 - Research Paper Example ilities around the area like dawn beach, on the beach, Saint Maarten Zoo, Museum of Saint Maarten, Guana Bay Beach and the University of Saint Marten. The property is well situated, and it provides a good place to spend holidays and honeymoon in St. Maarten. People visiting the hotel have fun at the white sand beaches and the blue-green waters (Westin Hotel and Resorts, 2015). The property is located alongside other properties that offer recreation and education services. Some people visiting recreation centres in the area end up spending their nights at the hotel. Dawn beach is adjacent to the hotel about 0.4 km away. The beach is usually busy with people from the area and others from other places of the world. Dawn beach is advantageous because most of the people visiting the beach end up spending at the hotels rooms. On the other hand, people who visit Dawn Beach pollute the environment making most of the people not willing to spend in the hotel. Another property in the areas is Guana Bay Beach, that has the same value with the Dawn Beach. The Museum of Saint Maarten is another property that is important to the hotel. People visiting the museum include students, families, couples and business people. Most of the people visiting the museum spend time at the hotel, eating, drinking and spending at the hotel rooms. The University of St. Maarten has increa sed the population of the area providing more customers to the hotel. The university is located 4.9 km from the hotel. Most of the students at the university come from different countries and spend their free time at the beaches. Students from the University visit the hotel for drinks and launch. The lecturers and staff also use the hotel for the conference and special meeting. The university visitors spend their nights at the hotel (Westin Hotel and Resorts, 2015). In Saint Maarten, there are many hotels that compete direct with the Westin Dawn Beach Resort. The managers and the directors value and rate the

Emergency Services Management - ManMade Disasters - Media Essay

Emergency Services Management - ManMade Disasters - Media - Essay Example Smoke and soot content in air could rapidly increase 1 to 2 hours prior to the fire reaching the perimeter of our town. 3. As a safety measure, I have ordered the evacuation initially of the western suburbs of Everyville consisting of the areas west of the canal. Evacuation of additional areas may become necessary as we track the advancement of the wildfire. The areas identified for immediate evacuation are shown in the attached map. 4. The evacuation will begin in approximately 1 hour from now and should be completed in a maximum of 2 hours. Police and fire service personnel are being deployed in the area to assist in the evacuation. I request all citizens to help these civic employees, who are putting their lives at risk, to do their jobs effectively. Failure to comply with instructions from police or fire services personnel would be treated as a criminal offence. 5. Carry only the minimum essentials with you when you evacuate your home. These essentials are shown in the simple chart below. In addition carry sleeping bags and change of clothing for each family member and some food and drinking water to supplement what is being arranged at the refuge centers. . You can use your own cars or trucks to move to the refuge areas or use the transport vehicles that have been arranged by the civic authorities. The police and fire service personnel would provide guidance. 6. The refuge areas identified in the town of Everyville are the Civic Center, The Church of St. Andrews, and the High School. The location of these refuge areas are shown on the map released with this statement. Volunteers have been positioned at each of these buildings to assign spaces and to help people settle in. Some arrangements for food and water are also being made. Doctors and nurses from the town hospital will be available to provide medical assistance if needed (CWPP, 2008). 7. Before you

Convenience and Future of ATMs in my Community Essay Example for Free

Convenience and Future of ATMs in my Community Essay Automatic Teller Machines (ATM) have made our life easy and convenient in many ways. With more and more ATMs being installed from street corners to local retails, from outside the bank to shopping malls, they are hard to miss. Gone are they days when we need to stand in line inside banks waiting to be served by tellers? Transaction now processed with just the click of a few buttons. History and Development Luther George Simjian, in 1939, had the first idea to place an ATM in banks (Bellis, n. d. ). He was to place them in holes so that bank clients can make their transaction through the window. This was first tested in New Yorks First National City Bank now Citicorp but was later rejected due to the lack of demand of customers (Bellis, n. d. ). The first truly cash-dispensing machine was created by John Shepherd-Barron from De La Rue Instruments called De La Rue Automatic Cash System, or DACS (International Merchant Services, n. d. ). They were checks bought in advance from tellers and was impregnated with Carbon 14 in order for the machines to detect them (Bellis, n. d. ). It was installed and placed in Barclays bank in London (International Merchant Services, n. d. ). In 1969, the first magnetic card was introduced. It was created by Don Wetzel who was working with Docutel. He had the patent along with Tom Barnes and George Chastain. It was installed in a New York based Chemical Bank (Bellis, n. d. ). Later, Docutel developed the first truly ATM machine that we are familiar today. It was placed in the wall and outside the bank. However, the first ATMs did not directly accessed your personal account when withdrawing money from it. Instead, they were initially offered to the banks credit card holders with good credit standings (Bellis, n. d. ). They were only cash advancements from the clients credit card rather than debiting them directly from the account. It was far from what we know of today where ATMs can do almost everything an ordinary teller can do such as deposits, transfers money from checking to savings, cash advances to your credit card and takes payments. How ATMs Work ATM works by providing users and clients with a remote access with their bank accounts. These machines are connected to the bank accounts through internet connection to the banks database where it has information on the amount of money in the account (Bowen, 2000). The magnetic part of the card stores information of the user such as account number and the pass code. Once the user has entered the correct code it will verify it to the users bank and will send out verification on the transaction that has to be made. The card then dispenses the money using an electronic eye and detector to determine the bills that are sent out. The sensor detects if there are stuck or worn out bills and places them in the discard tray and issues the user the required transactions (Bowen, 2000). Once the transactions are made, they are logged in the machines journal in case the client has disputes on the transactions. Growth of the ATM The popularity of the ATM is undisputed today. The number of ATMs installed today shows its success and effectiveness on both the banks and their clients. Banks have embraced this technology because of three reasons (Islam, Sheel, Biswas, n. d. ). First, banks improve their financial, marketing and competitive positions by attracting clients and increasing their revenue by increasing their services such as loans and financial packages (Islam, et. al. , n. d. ). ATMs provided human resources with more time to process request that ATMs cannot process, thus, it increased the efficiency of tellers providing better services to their clients increasing the income of banks. Further, customers are now looking for banks with more access to ATMs for their convenience and accessibility. Second, ATMs can perform many of the tasks than tellers do and in the long run they are easier to maintain and cost considerably less than their human counterparts (Islam, et. al. , n. d. ). Installing ATMs reduces the work load of tellers. The increase in number of clients for a bank means that they would need more resources to cater to their customers. ATM machines are more efficient for they need no training and less maintenance (Islam, et. al. , n. d. ). Banks realize this cost effective way of providing service and provided more and more machines for their clients (Ferrari, Verboven, Degryse, 2007). Last, ATM machines serve as factors for marketing decisions for financial institutions (Islam, et. al. , n. d. ). Banks would first place ATMs in potential locations for establishing bank branches. They would first see if there are enough clients for them in the area before finally establishing a bank in the area. ATMs today can also provide cash advances from credit cards depending on the allowable limit of the card. Another convenience provided for the users is the added feature of ATM cards. They can now be used as a debit card similar to that of the credit card. However, users must make sure that they have enough cash in their accounts to make similar purchases with that of the credit card. Problems Facing ATMs ATMs, though beneficial for most of its users, has their flaws and problems. They are most of the times reliable but sometimes they do break down and need some maintenance. It is sometimes out of service and needs overhaul and it needs to replenish its cash contents. These are the common problems of ATM machines. First time users of the machine may also find it difficult to use them and may be complex for them. However, this can be learned easily with a few tries at the machine. Others, on the other hand, points out those ATMs dispense only a certain denomination of money. Customers are either to transact lower or higher than what they really need but seldom exactly the cash they wanted. Finally, clients are sometimes frustrated when the machine captures their cards especially if they badly need the cash and they do not have any other ATMs available to them. Personal Application In Scottsbluff, Nebraska, ATM machines are normally situated in local shops within the community. There is also one located inside my local bank that has my account. Locations where there are many people passing by also have ATM machines installed within the area. This provides convenience and accessibility for users who need cash. Further, people who have no private cars can easily access these machines and do their transactions without the going to the bank. Further, they are easier to install than constructing new bank branches. Personally, ATMs have its own advantages and disadvantages. The most beneficial would be convenience and accessibility. People do not need to do their transaction within the bank or during banking hours. They can even do it during the night or even in another state. ATMs in the shopping mall have a business value for the mall other than having people to just withdraw cash from the machine. If users withdraw money in the mall, they are likely to spend some of it in the same mall. Citizens of Scottsbluff are also most likely to spend a portion of their money in the Newsagents, chip shop, hairdressers and the two public houses. These places have ATM machines located near them. However, there are some disadvantages. Some ATMs have surcharges if you are using a machine from a different bank other than yours. People using these machines 2-3 times per week, can have surcharges that may have a sizable amount. But this is still very minimal compared to the benefits that these machines provide us. Another disadvantage of ATMs in some areas of the community is those that are located inside shops that close early. These machines would have limited access to potential users and are only available only during store hours. Finally, news of scams connected to ATM machines are becoming more common where in criminals can have access to your personal account by using a machine attached to ATMs that records your personal information as well as your account number and pin code. Conclusion The disadvantage of ATMs outweighs the advantages that it gives to its users as well as the banks that provide them. ATMs have come a long way from its beginnings. Today, it is no longer just used for simple cash dispersing but also includes a wide variety of uses including payment of bill, ATM debiting and cash advances from credit cards. Without these machines, banks would have not been as efficient as they are today and people would have not ripped the benefits of this technology. References Bellis, M. (n.d.). The history of automatic teller machines or ATM. Retrieved January 29, 2009, from http://Inventors.about.com/od/astartinventions/a/atm.htm Bowen, J. (2000, April 1). Howstuffworks How ATMs work. Retrieved January 29, 2009, from http://money.howstuffworks.com/personal-finance/banking/atm3.htm Ferrari, Stijn. Verboven, Frank. Degryse, Hans. (2007, November). Investment and usage of new technologies: Evidence from a shared ATM network. Retrieved January 30, 2009, from http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1075042 Timeline The ATM history. (n.d.). Retrieved February 6, 2009, from http://www.atm24.com/NewsSection/Industry%20News/Timeline%20-%20The%20ATM%20History.aspx. Islam, Rafiqul. Sheel, Samir Kumar. Biswas, Pallab Kumar. (n.d.). Customer satisfaction of ATM service: A case study of HSBC ATM. Retrieved January 30, 2009, from http://papers.ssrn.com/sol3/papers.cfm?abstract_id=990242

Research paradigm Essay Example for Free

Research paradigm Essay The research paradigm considered by the researcher in regard to this work included the consideration of packaging in special occasions and which factors companies should focus during the period of social occasion in order to make their packaging their selling point. During the festival seasons market is flooded with various gift options. Due to the competition various organizations offer attractive schemes and offers to allure the consumers. Consumers due to various kind of motives of buying gift which can be personal, individual, altruism, cultural, reciprocal and other reason wants to buy attractive gifts for the people within his circle from family to the friends and relatives. The competitions companies face to attract these customers comes from various sectors of the industry or outside the industry. Now a days even service organization have become very competitive and services can also be offered as a gift. In such case company faces all kind of product, generic, industry specific and other kind of competitions. The packaging decisions are one of the important aspects of the marketing mix which can not be ignored in such a competitive environment where everything needs to be perfect. This paradigm has been utilized many times in the study of packaging in special occasions for all the group of respondents. I. i. a. Sample selection The data sampling was randomly managed utilizing stratified means with sixty five questionnaires completed by both male and female retail consumers. The percentages of female respondents were higher than that of male. The choice to use retail consumers alone in this research was made for three reasons. †¢ First, it was far simpler to have access to consumers from retail organization in regard to the researcher’s availability. †¢ Second, the focus itself is on understanding attitudes and perceptions for the packaging of gifts in special occasions and retail organization is a place attracting major customers to buy gifts. †¢ Third, the quantification of such information allows the researcher to gain a broader perspective on how respondents observe and realize the meanings of different components of packaging during special occasions and how it impacts their buying behaviour. I.i. b. Reliability and viability Reliability for the researcher was achieved in the assurance that only a specified group of men and women were utilized in regard to the research. The focus of the research has been on the consumers from retail organization. These consumers from retail organization were approachable. Data was collected in the presence of researcher. This gave the research a more focused view of the research goal. The validity was managed as a result of this focus and emphasised in the considerations involved in the data collection, variables and sampling methods. Privacy and confidentiality methods included assigning numeric and alphabetic coding to each responding questionnaire. This ensured anonymity in regard to the researcher and the subjects of the research process. I. i. c. Sample size Approximately 100 questionnaires have been distributed to collect the information. However in 35 questionnaires the information was not completed and due to that these has been withdrawn from the studies. 65 fully filled questionnaires have been utilized for the purpose of study. I. i. d. Questionnaire design The questionnaire design was simple. The questions included in the paper are related to the attributes of the packaging. The time taken to complete the questionnaire was less due to its simple nature. Most of the questions are simple circle question where respondent has to make a circle around the most appropriate and applicable option. I. i. e. Data analysis and findings Analysis of information in regard to research managed by the researcher must include complete and full understanding of the questionnaire. This understanding focuses in the use of the questionnaire created specifically for this process. It is the considerations realized within the questionnaires, no matter their simplicity, that will focus considerations in later chapters of this work. Within this section of Analysis and Findings there will be measurement of all responses in regard to the questionnaire. †¢ Analysis strategy Analysis strategy included a full series of statistical diagrams of all information collected including positive and negative responses, gender variations and marital status. This strategy provided the researcher with a wider spread for the conclusions that became evident in regard to the researcher’s focus. This information was broken down into specific charts for the benefit of visual context. The visual context provided insight in regard to perceptions of packaging and considerations by consumers from retail organization in regard to the impact of components on them. These perceptions and considerations provide the researcher with evidence to support the hypothesis made in that effective packaging decisions during the special occasions will support organizations to delight the consumer. †¢ Awareness The researcher held awareness of the potential for study in regard to packaging during special occasion through many methods. Those methods include observation, interaction and extensive research. The awareness of the media discussions of packaging amongst collegiate level men and women and the similar studies within this idea would in fact have influenced the choice made. The choice of analyzing how consumers from retail organization amongst this particular population would in fact consider their packaging options and knowledge allows for a singular perspective isolated from the more broadly painted view. The focus itself was on the consumers from retail organization and how they absorbed information available before deciding on packaging decisions. Overall, the respondents to the questionnaires provided insight in regard to how many individuals are learning more and more about packaging decisions. From the literature review it is evident that usually colour of the packaging which makes impact on sender or receiver of any gift. The questionnaire aims to measure the frequency to which people buy gifts for others and what are the factors they consider for the packaging. †¢ Understanding The understanding of this information gathered is proven in the statistics within the questionnaires that were completed and submitted. Each respondent have been explained the objective of study. Researcher has helped the respondents if s/he faces any difficulty in understanding any question. The research found that all respondents understood the material being requested and filled the questionnaires accordingly in timely fashion. The responses of questionnaires were filled in the database as the completed questionnaires had been received from the respondents. This information was then examined thoroughly for consistency and validity. The researcher now understands that there is a great deal of diversity in gift buying and packaging behaviour among the consumers from retail organization. Respondents can learn about better packaging options through their own personal research, their parents, friends or other family members. †¢ Findings The questionnaire included demographic details like of the respondents Demographic Profile †¢ Age Large section of the respondents (41. 5%) fall under the age group of 22-30 years old, followed by people within the age group of 41-50 years who are 20% of the total respondents. Approximately 15% of the total respondents fall under the age group of 18-21. Figure III. 1 Age of Respondents Ethnic background: 43% of the total respondents were from White community while 34% were Asian. Black other and Black African were 14% and 6% respectively of the total respondents. None of the respondent was from Hispanic or African background. Figure III. 2 Ethnic Origin of the Respondents Gender Majority of respondents are female with percentage of 66 while remaining 34% of the respondents are male. Figure III. 3 Gender Consumer behaviour. When respondents were asked the question â€Å"How frequently do you buy gift items? † twenty five out of sixty five responded that they buy gifts once in a month. Twenty two out of sixty five responded that they buy three to six times in a year. Nine respondents told that they buy less often gifts for anyone while the same number of respondents told that they buy gifts once in a week. No respondent told that s/he never buys any gift items. Figure III. 4 Frequency of buying Gift Items Components of Packaging on Special Occasion Colour:When consumers were asked what they feel about the statement â€Å"It feels good to receive a present in Colourful packaging on special occasions† approximately 48% of the respondent strongly agreed to the statement while 35% agreed to the statement. Remaining respondents felt they were neutral to the Colour of packaging. Figure III. 5 Colourful Packaging Respondents when asked to respond on the statement â€Å"On special occasions (like Christmas), packaging is more Colourful than normal. † Majority of them agreed to the statement. 37% of the total respondents strongly agreed to the statement while approximately 50% agreed to the statement. 10-% of the total respondents felt neutral about the statement while approximately 1% disagreed to the same. Figure III. 6 Packaging on Special Occasions Respondents were asked to respond on the shape and Colour attribute of a product. They were asked to respond on the statement â€Å"People are mostly attracted by different shapes and sizes in gift items. † 58% of the total respondents agreed to the statement while approximately 16% strongly agreed. 18% respondents were neutral to this statement while 4% disagreed. 1. 5% of respondents strongly disagreed to the statement. Figure III. 7: Colours and Shapes of Product. When respondents were asked whether or not they agree to the statement â€Å"Packaging styles vary for different occasions† 44% agreed to the statement while 30% strongly agreed. 18% were neutral to the statement and 4% strongly disagreed. Figure III. 8 Packaging Style in Different Occasions When consumers were asked about their own perception regarding shapes and Colours of the product by the statement â€Å"I am attracted to a product because of different Colours and shapes in packaging when I buy for a special occasion† approximately 40% of the total respondents agreed to the statement while 26% strongly agree to the same. 18% respondents were neutral to the same, 17% disagreed and 1. 5% strongly disagreed to the statement. Figure III. 9 Impact of Shape and Size of packaging in special occasions To the statement â€Å"Colourful and attractive packaging makes a good impression about the sender to the receiver. † Approximately 50% strongly agreed to the statement while 43% agreed to the same. 6% of the total respondents were neutral while 1. 5% strongly disagreed to it. Figure III. 10: Colourful and attractive packaging and impression about sender.

Maybank BHD Financial Performance Analyis

Maybank BHD Financial Performance Analyis CHAPTER 1 INTRODUCTION Production or gain from a financial institution is depending on some issues whether the external control or the internal control. External control refer to the environment in our country like economy growth and inflation that effect the purchasing power of customer as the price of goods increases, customer demand will increase too. The Malaysian economy actually moves together with strong financial system. Strong financial system of a country will contribute to economic growth. Economic growth of a country like Malaysia is measured in terms of real GDP. According to Travel Document Systems (1996) ,since independent on 1957 until 2005, Malaysian economy had grew by 6.5% per year automatically it become the best country in Asia at that time. Banks nowadays struggled to maintain a good performance in order to fulfill its objectives of satisfying their customers, employees, depositors and government according to Askari Commercial Bank ( 2006 ). The evolution of financial system in Malaysia has been significant. 7.2 per cent economic growth registered by the country last year was the highest achievement over 10 years and was driven by the two stimulus packages as well as the management of countrys financial and banking system by Bank Negara said the Prime Minister Datuk Seri Najib Tun Razak (2011) . 1.1 BACKGROUND OF STUDY Profit is the major focus of why everybody struggles to make sure their business going well as profit is the important sources of funds. This paper will measure financial performance of Maybank Bhd and determinant of data by identifying the profitability performance of Maybank Bhd. It is important to understand the profitability of commercial bank after considering certain factors that may contribute to the profitability. The research is based on the performance of Maybank from 2001 to 2010. 1.2 PROBLEM STATEMENT A financial institution is a profit-seeking organization owned by shareholders who expect to gain return with the risk associated that they have to face. There are many factors that contribute to bank profitability. According to Bankers Journal Malaysia, for Malaysian Banks, more than 80% of their total income is attributed to interest income. Previous studies have also found that interest income and non-interest income have a positive effect on bank profitability. However besides those banking characteristics of internal variables, there are some external variable that may affect the banks profitability performance that cannot be overemphasized like inflation and GDP. Earlier studies by Al-Hajji, Mohsen (2003) have found positive relationship between the GDP and bank profitability. When GDP increases, profitability of the bank will increase too. Adverse result was found about relationship between inflation and bank profitability. This study will answer the question of how interest income, non-interest income, GDP and inflation rate relate with bank profitability also how is well is the performance of Maybank Bhd during the period of study. RESEARCH QUESTION Dependent and independent variables are studied to find solution about the profitability performance of Maybank Berhad. Factors affecting performance of Maybank Berhad can be comprises into external and internal factors. The criteria that will be evaluated are interest income, non-interest income , interest expenses, Gross Domestic Product (GDP) and inflation rate. The intent of this study is to examine the effect of all this factors towards performance of Maybank Berhad. This research problem leads to questions concerning relationship between selected criteria. In this research, there are few question were asked as listed below : 1.3.1 To what extend inflation rate effect the performance of Maybank Berhad? What are the relationship between dependent variable and independent variables ? 1.3.3 What is the factor that most effect profitability ratio of Maybank Berhad? 1.4 OBJECTIVE OF STUDY The main objective of this study is to study the factors attributes to the profitability performance of Maybank Bhd. comprises of interest income, non-interest income ,Gross Domestic Product (GDP), and inflation rate. The study also will determine the profitability performance of bank for 10 years period. Apart from that, there are few supporting objectives to support the main purpose were listed below : To study the relationship between internal variables and bank profitability. To identify whether bank cost and bank revenues will contribute to profitability performance of Maybank Bhd. To determine which factors contribute the most to profitability of Maybank Bhd. To analyze the trend of Maybank profitability over 10years and identify Maybanks strength and weaknesses using certain profitability ratios. SIGNIFICANT OF THE STUDY Bank profits refer to the return on invested capital and it is important to company as well as the shareholder. Bank profits can be considered as benefit to depositors as it shows stronger, safer and efficient banking system in the increases in revenues and services improvements. Indirectly borrowers also will get the benefits since the bank lending rate depends of ability of banks capital accounts. This paper will focus on some categories as follows: Facilitate researcher to find out the major factors contributing to the profitability performance of commercial banks especially Maybank Bhd. To assist the researcher to be more alert on how to manage and overcome problems that could come together with independent variables and provide guides on how to improve profitability performance. Also provide information on banks profitability strength and weaknesses that could be use by the customers as an evaluation of banks performance. The researcher may also view the performance trend of Maybank Bhd. during this 10 years from 2001 to 2010. 1.6 SCOPE OF STUDY This research paper will focus on the financial performance of Maybank Berhad based on banks profitability. The factors that will be evaluate are divided into 2 which are external factors (Gross Domestic Product, and inflation) and internal factors ( interest income, non-interest income ). 1.7 LIMITATION OF STUDY The limitations of this study is the data only for 10years starting 2001 to 2010. Furthermore the data come from secondary data and sometimes may be adequate or accurate. Besides most of the data were gathered from journals, BNM – Maybank annual reports , and articles. 1.8 DEFINITION OF TERMS 1.8.1 Profit According to Wikipedia, profit  can be considered as the difference between the purchase  price  and the  costs  of bringing to market whatever it is that is accounted as an enterprise or in a simple word it means money gained in business. 1.8.2 Interest Income Companies sometimes keep their cash in short-term deposit investments such as certificates or deposit with maturities up to twelve months, savings account, and money market funds. The cash placed in these accounts earn interest for the business, which is recorded on the income statement as interest income. Interest income will fluctuate each year with the amount of cash a company keeps on hand and the general level of interest rates as set by the Federal Reserve. (Source: Joshua Kennen – Investing for beginners guide ) 1.8.3 Operating profit The profit earned from a firms normal core business operations. This value does not include any profit earned from the firms investments (such as earnings from firms  in which  the company has partial interest) and the effects of interest and taxes. It is also  known as earnings before interest  and tax (EBIT). (Source:http://www.investopedia.com/terms/o/operating_profit.asp) 1.8.3 Profitability Analysis Analysis that assigns revenues and costs to major customers or groups of customers rather than to organizational units, products, or other objects. The results may direct organizational resources toward more profitable uses. It is an application of segmented reporting in which a customer group is treated as a segment. It is especially helpful when combined with an activity-based costing approach that determines which activities are performed for each group and assigns costs based on appropriate drivers. (Source : http://www.answers.com) 1.8.4 Inflation Inflation is An increase in the amount of currency in circulation, resulting in a relatively sharp and sudden fall in its value and rise in prices: it may be caused by an increase in the volume of paper money issued or of gold mined, or a relative increase in expenditures as when the supply of goods fails to meet the demand. (Source : Websters New Universal Unabridged Dictionary) 1.8.5 Financial Ratios Ratios that measure a firms ability to meet its short-term financial obligations on time, such as the ratio of current assets to current liabilities. (Source : The Free Dictionary by Farlex ) 1.8.6 Gross Domestic Product Gross domestic product (GDP) refers to the market value of all goods and services produced within a country in a given period. It is often considered an indicator of a countrys standard of living. Gross domestic product is related to national accounts, a subject in macroeconomics. ( Source : http://erbwikipedia.org/wiki/Gross_domestic_product ). Interest Expense Interest expense is a non-operating or other expense for the cost of borrowed money or other credit. The amount of interest expense appearing on the income statement is the cost of the money that was used during the time interval shown in the heading of the income statement, not the amount of interest paid during that period of time. (Source : Accounting Couch) SUMMARY In this chapter, we have discussed about the influence of factors affecting profitability performance of Maybank Berhad and the question that need to be answered in this paper. This research examined the bank profitability which focused on both the returns on bank assets and equity, net interest rate margins and net operating margin. High performance comes from effort given by bank management to produce high profit while facing risk related. Firm need to generate income as much as possible as banking institution is a profit-orientation company. CHAPTER 2 LITERATURE REVIEW INTRODUCTION Bank performance depends on the profitability measurement of banks financial statement. It is recognized that the growth of the banking system is dependent on a strong and stable economic development. PREVIOUS STUDY This paper deals with performance of commercial bank, focuses on Maybank Berhad. Some of previous study that relate with this research are Masood et al. (2009) revealed that in case of calculating profitability in terms of ROE or ROA the most significant internal and external factors affecting Saudi banks are capital adequacy ratio, earning assets to deposits ratio, operational efficiency, growth rate in GDP, and banking sector development. He finds also that variables to do with credit risk, inflation rate and interbank offered rate are insignificant and have a low effect on all indicators of profitability. The results in the speech by Tan Sri Dato Ali Abu Hassan Bin Sulaiman, Governor of BNM, (23 September 1998), he stated that since the onset of the financial crisis, BNM had instituted a number of measures , amongst others included tighter loan classficication policy for non-performing loans and a limit on lending for the purchase of shares. Since then, the financial crisis advers ely affected the real economy, resulting in real GDP contracting by 4.8% during the first half of 1998. Year 1998 was a difficult year for the banking system while 1year after that was the recovery year in the performance of banking system. (BNM 1999 Annual Report Press Conference). Haslem (1968) defined profitability as the capacity to gain or profit, or to return a profit or income. Profit is the measured for productive capacity of a company. According to Orl and Yolalan(1990), profitability performance evaluation of a banks should be linked to decision model so as to associate the result obtained with the decision. Meanwhile, according to Bashir and Hassan , (2003) on their study on the factors influencing the profitability of Islamic banks in eight Middle Eastern countries for the period 1993–1998, they find that the higher leverage and large loans-to-asset ratios lead to higher profitability. This study also indicates a positive relationship between macroeconomic variables, stock market development and profitability of banks. Ben Ben Naceur and Goaied (2006) they find that macroeconomic indicators like inflation, GDP, and market concentration ratio have no impact on banks interest margin and profitability. However, financial structure variables (stock market capitalization divided by total assets or GDP) do have a positive effect on the return on assets. Staikouras and Wood (2003) said that macroeconomic indicators (variability of interest rate, growth of GDP) had a negative impact on profitability. Chance and Lane [1980], and Sweeney and Warga [1986] find little evidence that supports the interest rate sensitivity of bank or financial institutions stock returns. On the other hand, studies such as Lynge and Zumwalt [1980], Booth and Officer [19851, Scott and Peterson [1986], and more recently Chaudry and Reichert [1999] suggest that the stock returns of financial institutions are highly sensitive to changes in interest rates.  Different result from Kosmidou and Pasiouras (2007) which they examine how a banks specific characteristics and the overall banking environment affect the profitability of commercial domestic and foreign banks operating in the 15 EU countries and they found that the main determinants of profitability measured by ROAA, macroeconomic conditions (inflation, growth of GDP) and financial market structure (stock market capitalization to total assets or to GDP, total assets to GDP) are statistically significant and related to both domestic and foreign banks profitability. Apart from that, Bourke (1989), Heggested (1977) using the consumer price index (CPI) as a proxy for inflation both of them made a research on relationship between profit and inflation and the result, both studies found that inflation had a significant relationship with profit. Earlier study from Revell (1980). believed that inflation could be a factor in the causation of variations in banks profitability. For studied on total expenses, items that fall within the control of bank management can be broadly divided into 3 categories: staff expenses, provision for loan losses, and other general expenses. Expenses, such as payment for income tax, are considered statutory expenses and hence beyond the control of management. Devinaga Rasiah (2010) . THEORETICAL FRAMEWORK In this study, 4 factors were chosen to be evaluated. They are return of unit trust fund, risk level of unit trust, diversification level and last but not least is risk-adjusted level. Below is the relationship between dependent variable and independent variables. Title : Investigation of The Financial Performance of Maybank Berhad Bank interest income Bank Non-Interest Income GDP Inflation rate Bank Profitability Interest Expense DEPENDENT VARIABLE INDEPENDENT VARIABLES CHAPTER 3 METHODOLOGY AND DATA 3.0 INTRODUCTION This study will analyze the relationship between dependent variable (profitability of Maybank Bhd) and independent variables (interest income, non-interest income, inflation rate and Gross Domestic Product (GDP) ).This study will covered 10 years data from 2001 until 2010 and will be done using Statistical Package For Social Science (SPSS). Furthermore, hypothesis will be tested whether it can be accepted or rejected. This will provide more understanding view among variables. The advantage of using profitability ratios is that they are inflation invariant that is they are not affected by changes in price levels. This is useful in a time series analysis such as this, where the real value of profits may be distorted by the time varying inflation rates as stated by Devinaga Rasiah (2010). 3.1 DATA COLLECTION Data was collected using annual reports of Maybank Bhd. The data collection was compiled from the financial statement also the balance sheets from Maybanks annual reports for 10 years.. All the data will be evaluate accordingly to see the relationship between the dependent and independent variables also to test the hypothesis. Besides some of the data comes from Internet website like video on news and some articles which contain information about Maybank Bhd. 3.2 SAMPLING FRAME 10 years data was chosen as to see the latest profitability performance of Maybank Bhd. 10 years data is enough to show the flow of performance of bank to see whether it has consistent performance or not and factors which relate the most to banks performance can be determine. 3.3 SOURCES OF DATA The data on Maybank Berhad financial statements and balance sheets were collected using secondary data which come from: (BNM) Bank Negara Malaysia Annual Reports (2001 until 2010). Bursa Malaysia Internet Website. Library books, articles and magazines. 3.4 VARIABLES AND MEASUREMENT The variables used in this study can be categorized into two main types which are, the dependent and the independent variables. 3.4.1 Dependent Variables The dependent variable for this study is the profitability performance of Maybank Bhd. 3.4.2 Independent Variables There are 4 independent variables in this study which are interest income, non-interest income, inflation rate and Gross Domestic Product(GDP). RESEARCH DESIGN Research design involves a series of rational decision making choices. Various issues regarding the topic will be describe here including purpose of study, types of investigation to be make, time horizon and so on. 3.5.1 Purpose of the Study The purpose of this study is to determine the profitability performance of Maybank Bhd from 2001 to 2010. Besides, this study attempt to analyze the factors relates with the performance of Maybank Bhd. and what are the factor that has the highest impact on Maybank Bhd performance. 3.5.2 Types of Investigation This study involved the multiple regression study on the data from range of 2001 until 2010. This model was chosen because this study has more than 1 independent variable.. 3.5.3 Unit of Analysis Unit analysis for this study are interest income, non-interest income, inflation rate and GDP. 3.5.4 Time Horizon This study will use range data from 2001 until 2010 of Maybank Bhd. 3.7 DATA ANALYSIS AND TREATMENT This study use SPSS, multiple regression study as the statistical tool as to measure how all these variables will influence profitability performance of Maybank Bhd. The multiple regression study will be used to analyze the relationship between dependent variable, which is the profitability of Maybank Bhd and independent variables which includes interest income, inflation rate, GDP and non-interest income. Multiple Linear Regression Model: General Functions: P = f( Inflation rate, interest income, Non-interest income , GDP, e ) Specific Form of Equation: P = a + b1X1 + b2X2 + b3 X3 + b4GDP + b5INF + Where; P = profitability a = Constant b1, b2, b3, b4 = Coefficient Beta value X1 = interest income X2 = non- interest income GDP = Gross Domestic Product INF = Inflation = Error 3.8 HYPOTHESIS STATEMENT There are 5 hypotheses in this study which are: Hypothesis 1 H0: There is no significant relationship between inflation rate and bank profitability. Hypothesis 2 H0: There is no significant relationship between GDP and bank profitability. Hypothesis 3 H0: There is no significant relationship between Interest Income and bank profitability. Hypothesis 4 H0: There is significant relationship between Non-Interest Income and bank profitability. SUMMARY In this chapter, we have discussed about where the data comes from and how the data will be measures to evaluate the significances between dependent variable and the independent variables. The study is designed to examine 5main areas which are interest expense, interest income, non-interest income, inflation rate, and Gross Domestic Product (GDP). 10 years data from varieties of secondary sources like Bank Negara Malaysia and internet sources will be evaluated to explain the relationship between profitability performance and factors influence it. .

The Power and Genius of Alexander Pushkin’s The Queen of Spades Essay

The Power and Genius of Alexander Pushkin’s The Queen of Spades In Alexander Pushkin’s â€Å"The Queen of Spades,† many aspects of the short story have made for considerable debate among scholars.   Pushkin fills an integral role in Russian literary history, and there are abundant research sources to use in analyzing and interpreting his texts.   Pushkin is often referred to as the Father of Modern Russian Literature, but until just recently much of the criticism on Pushkin focused on Pushkin himself as the author, the innovative simplicity in his prose, or the political relationship between Pushkin and the Russian aristocracy.   Pushkin’s personal life was often the subject of public debate among his readers and the Russian aristocracy, forcing him into a some what reclusive state.  Ã‚   His prose was innovative, but, in the early research, very few bothered to interpret why the style was so effective.   What about the words made Pushkin different?   It did not seem to matter as long as the aristocracy was satisf ied. Finally, much of the early information available on Pushkin had nothing to do with his writing.   During Pushkin’s time, the domination of the Russian nobility over publications was so great, the ultimate beauty and depth to Pushkin’s writing was over looked in order to expose censorship and political manipulation.  Ã‚   These early attempts at criticism and investigation fall short of exposing the true power and genius in Pushkin’s writing. Another problem with much of the available literature on Pushkin and his texts is   inconsistency in interpretations.  Ã‚   Scholars do not research sufficiently and are often vague in communicating their ideas to the reader.   The purpose of the given work is often confusing enough to the aud... ...nleaf. Studies in Romanticism v 36 n 2 (Summer 1997): 292-299. Pushkin, Alexander.   â€Å"The Queen of Spades.† Alexander Pushkin: Complete Prose Fiction. Trans. Paul Debreczeny. Stanford: Stanford University Press, 1983. 211- 233. Rosenshield, Gary. â€Å"Choosing the Right Card: Madness, Gambling, and the Imagination in Pushkin’s ‘The Queen of Spades.’† PMLA v 109 n 5 (October 1994): 995-1008. Rosenshield, Gary.   â€Å"Freud, Lacan, and Romantic Psychoanalysis: Three Psychoanalytic Approaches to Madness in Pushkin’s ‘The Queen of Spades.’† Slavic and East    European Journal v 40 n 1 (Spring 1996): 1-26. Shrayer, Maxim. Rev. of Pushkin’s â€Å"The Queen of Spades,† by Neil Cornwell. The Modern Language Review   v 90 n 4 (October 1995): 1051-1053. Terras, Victor. Rev. of Pushkin’s â€Å"The Queen of Spades,† by Neil Cornwell. The Russian    Review v 54 n 3 (July 1995): 453-454.

Putting Capital Punishment to Death :: essays research papers fc

  Ã‚  Ã‚  Ã‚  Ã‚  Hanging, the firing squad, the gas chamber, the electric chair, lethal injection; these are some present methods of the death penalty. Capital punishment has been used in America for a long time, and has always presented conflicts. There are many groups that protest capital punishment, and there are many groups that are for it. The controversies it presents have to do with the cost, if it is humane, or if it is moral. With all of these problems taken into consideration, it is clear to anyone that capital punishment is the wrong choice.   Ã‚  Ã‚  Ã‚  Ã‚  The early forms of the death penalty were not only much less humane than they are now, but much more cruel and unusual. Hanging, one of the earliest forms, is actually still used in 3 states as one form of capital punishment. The inmate would not get blindfolded, unlike most methods, then they would stand on a stool or box. A noose would then be wrapped, and tightened, around their neck. The box or stool is then kicked out from under the inmate, and onlookers watch in anticipation while the inmate suffocates to death. In some cases, the inmate’s neck would break, instantly killing him. (Baird 22)   Ã‚  Ã‚  Ã‚  Ã‚  Other early forms of capital punishment were the guillotine and the firing squad. Both of these methods used blindfolds. For the guillotine, the inmate would lay down on their back under a huge blade hanging above their neck. The executioner would then cut a rope, releasing the blade that then slices through the inmate’s neck, decapitating him. For the firing squad, and inmate would be led to a chair in front of a brick wall. A trained firing squad then lines up in front of the inmate. The firing squad then fires their guns at a target on the inmate’s chest. To relieve the guilt of the squad, some of their guns were loaded with blanks, so no one could know if they were the ones who killed the man. The guillotine is not used anymore, but the firing squad is still used in a few states. Anyone can see why these methods are not used as much anymore. (Baird 21)   Ã‚  Ã‚  Ã‚  Ã‚  Now to the real controversies. Most people do not realize these inhumane methods of capital punishment are still being used, but the more controversial ones are the methods everyone knows about. One of the older current methods is he electric chair. The electric chair is not the most controversial, even though it is the least humane of the widely used practices.

Definition Essay- The Evolved Meaning of Private -- Definition Essays

Definition Essay- The Evolved Meaning of Private The word private has changed very much over the past 600 years.   When the word first originated it had a few concise meanings.   Today, the word private has plenty of definitions, some of which many people do not know.   For instance, it is interesting to learn that private means "apart from the state" or "a person not receiving treatment under the National Health Service or any similar state scheme" (Landau). Spending time looking through dictionaries helps to gain a much better understanding of a word   many think they know very well. The various dictionaries containing private states it as meaning "seclusion, apart from the public body, a soldier with rank below corporal, etc." which are the meanings that are previously understood.   Many of the dictionaries have several definitions that seem similar.   Modern definitions often say the same thing, such as "intimate, confidential, confined to one person, peculiar to a particular person, and property of a particular individual" (Simpson).   Before examining the definition if this wo...

Links Between Personality and Health Essay

The importance of understanding the links between personality and health are being increasingly recognized within the scientific and psychological society, over the years research and theoretical advances have begun to uncover that personality can have an effect on health, whether good or bad. Illnesses can be a cause of many factors that may be biological, psychological, environmental or even sociological. Suggesting that illnesses are related to more than just biological infectious diseases such as Tuberculosis, pneumonia, influenza, etc. of which during the 1900’s were major killers within western societies. (Stroebe, 2000) Yet as medicines understanding of these diseases grew and as vaccinations and treatments were made available the major culprit for death was no longer of a purely biological nature. By the year 2000 the major killers were taking the form of cardiovascular diseases which include coronary heart disease(CHD), High blood pressure, and cancer, (American Heart Association, 1999) that have many psychological, environmental and behavioral links, and most importantly links to stress and how our body copes while experiencing it. Selye’s three stages of the general adaptation syndrome (1976) can be directly linked to the above and have on many occasions been associated to personality and its effects on health. These developments have facilitated in the creation of ‘Health psychology,’ as researchers in this field evaluate and study the link between the mind and body, and how the environment may have an impact on these to produce illness or health. The following essay will interpret work written by professionals within the field of Health Psychology and offer an explanation of how Personality can impact health, with reference to research and theories, and to highlight personality’s role in Coronary Heart disease and cancer. The effect of stress on an individual’s physical health can have very serious consequences if the body’s response to the stress is over aroused. The prolonged arousal of the sympathetic system and the adrenal cortical system can cause major damage to the arteries and organs, yet long term stress can have an effect on the body’s immune system, lowering its ability to fight off diseases, this particular notion has had a lot of links to the development of cancer. (Taylor, 1986) Yet the links between the ideas that stress affects health has also been linked to the individual’s personality. Ultimately the concept is that challenging environments produce stress, and that certain individuals that possess a particular personality are poor at coping with stress, this is usually associated with personality traits and certain coping skills. Studies into the effects of ‘Hardiness’ by Kobasa, (1979); Kobasa, Maddi and Kahn, (1982) have shown that men who have had High levels of stress yet low occurrences of illness differed from those that had become ill during stressful events. The link seems logical as those that had less illnesses had felt as if they had more control and commitment in their lives while at the same time seeing certain situations such as losing a job, as a challenge instead of a setback, signifying that those individuals would be able to turn what could have been a stressful situation into their advantage. This particular study was only conducted on males, however and alternative study showed similar results when conducted on females.( Wiebe and McCallum, 1986) An alternative to theory to the Hardiness scale is The Type A personality type that has had links to CHD and other heart issues. Physicians believe that the traits of a Type A personality tend to be, aggressiveness, impatience and often an over involvement in work. The individuals that often exhibit this type of behavior tend to be very competitive and often find it difficult to relax. (Friedman and Rosenman, 1974) In comparison with type A, Type B individuals are those that do not show the characteristics of a Type A person. They can relax and work without a feeling of urgency; they are less likely to become agitated or angry. The Biological connection between Type A people and coronary heart disease suggests that the individual’s sympathetic nervous system responds to stress in a maladaptive way. Most people when exposed to stressors such as high demands at work, feel angry, or agitated yet not to the extent to which it could cause any long term issues, as they are not prolonged and easily returned to a normal state, however an individual with a type A personality would show a much higher increase in blood pressure and heart rate. The sympathetic nervous system on a Type A individual would be ‘Hyper-responsive’ to stressors. The theory is that all of these psychological and physiological changes damage the heart. (Manuck and Kranz, 1986) In relation to the above there have been many large scale studies that suggest that there are larger varieties of risk factors than just CHD, Such as smoking, and obesity. (Rosenman, 1975) patterns shown by research suggests that it is not necessarily the individuals traits such as high ambition and the need to work, instead the negative emotions that a Type A personality possesses such as anger are seen as the main culprits for the health problems. Friedman and Rosenman’s Western collaborative group study was the longitudinal study of 3534 men, between the ages of 39 and 59. Each individual was medically examined and given a category of either Type A or it’s contrasting Type B, it was found that 53 per cent of the participants were Type A and the rest Type B. (Rosenman, 1964) After an 8.5 year follow up results had shown that Type A men had experienced higher numbers of CHD in comparison with Type B over the course of the study. Coinciding studies such as the Framingham Study (Haynes et al, 1978) and the British Regional Heart study (Jognston et al, 1987) looked into the link between Type A and CHD, each study showed higher numbers of CHD (both MI man Angina) among Type A men and women .

Columbine Book Report (1-100)

Columbine by Dave Cullen (pages 1-100) I. unofficial Columbine High School (CHS) is a suburban public school tick off in Jefferson County, Colorado. Frank DeAngelis, a inwardness aged cosmos who had previously coached football and baseball for sixteen years at Columbine, was the principal of the close-knit high-pitched school. He was loved by his students and admired by his staff for his ability to address his students as mature adults. The student body looked up to him and appreciated his truthfulness and lack of sugarcoating when ripe topics were universe discussed.Three days before amble an assembly was called to streng and then the aw be(predicate)ness of the dangers of capricious under the see of drugs or alcohol. quite of right lecturing the students Mr. DeAngelis holdd his induce life history experiences to teach and guide the students along the safe paths that still allowed for occasional goofing off. The author, Dave Cullen, then jerks the focus of the book to the teenage male childs who would after kill twelve students, one teacher, and firmly wound twenty-three of their peers.Eric Harris and Dlyan Klebold were the typical high school students, albeit they had or so distinctive quirks that set them aside from the recumb of their peers. Eric Harris was a psychopath this fact allowed him to commit a unnameable crime without feeling empathy or self-reproach for his victims. How eer, on the outside he was anything unless antisocial (or wicked). Eric smoke, drank, datedall at heart a close circle of friends. Yet, he was excellent at manipulation. His lies were so exquisitely tuned that even his ex-military father suspected aught. Eric original a slew of As from his teachers every single one of them considered him a good kid.No one ever suspected that anything as devastating or horrifying could erupt from such a well-rounded kid from a slender family. This is why Dave Cullens description of Dylan Klebold who try extremely hard to emulate Eric was not mistaken. Although Dylan was considerably smarter than Eric, Eric seemed to stupefy a determine on Dylans authentically incertain demeanor. Dylan, being more self-conscious, latched onto Erics wet personality that radiated confidence. Moreover, Dylan was suicidally depressed, which left him vulnerable to Erics manipulative centering of lifes. II. AnalysisUnderstanding who the perpetrators were behind the Columbine snapshot continues to be the just about compelling etymon dictated throughout the entirety of the origin one blow pages of Dave Cullens chef-doeuvre Columbine. Eric Harris and Dylan Klebold were both unbelievably smart teens who had dual-lane an impossible friendship held together by a mutual dis c are of society. Although manduction this bond, by no means were they identicalwhich is why their association with each new(prenominal) astounds investigators to this day. Neither of the sons came from broken families or had diagnosed issu es that could bewilder raised a red flag to anyone paying close enough attention.Eric had a small police record for blowing up illegal fireworks, but that was the extent of his criminal records. Dylan was even less on the (philosophical) radar. He was naturally quiet, yet more aware of his surroundings. If Dylan had not known Eric, it is guaranteed that the damage he did would only be to himself. Dylan never would have taken the lives of other people if he had succeeded in taking his own life runner. This is exhaustively discussed by the author for a significant amount of each chapter. Erics initial influence on Dylan drastically increases when they start making plans for the massacre.The now ample amounts of time the boys spent together deepened the influence they had on each other, but Dylan seemed overwhelmed throughout the entirety of the authors report. Dylans clothing style, orientation in music, taste in girls, and his general interests appeared to mirror Erics as prog ression through the hundred page section was made. Dylan inevitably muddled what little he had of his individuality. III. Personal thought process I am thoroughly enjoying Dave Cullens Columbine. This book took ten years to indite I completely understand why he waited and appreciate the time he took to methodically research the Columbine Massacre.The itinerary Cullen embeds his research into a fast paced storyline is flawless and it continues to inspire me to learn and use the same technique. By tidy uply writing But nothing separated the boys personalities like a run-in with authority. Dylan would be hyperventilating, Eric calmly calculating. Erics cool head steered them clear of most trouble, Cullen clearly illustrates acute personality differences in a way that also depicts what kind of lives they led. Im not give tongue to that run-ins with the police happened frequently (its rattling quite on the contrary), yet the pellucidness is refreshing.A endorser can move alon g without tripping over words that are weakly juxtaposed together. One case of Dave Cullens writing intrigues me more than anything. The way he smoothly transitions between the old and present allows for careful plot lines to thoroughly develop into an interesting piece of careful, legal research that includes incredible diction. In a passage on page xix Cullen writes Most nights include an open-mike period, where you could watch an ripening drunk strum Stairway to Heaven, segue into the Gilligans Island theme, and forget the words. , Cullens alter tone brings humor to the carefully written sentence. IV. Quote Response Eric was always a dreamer, but he liked them displeasing bleak and morose, yet boring as hell. He saw beauty in the void. Eric dreamed of a world where nothing ever happened. A world where the rest of us had been removed. Anger dour inwards equals depression. Dylan Klebold was not a man of action. He was conscripted by a boy who was. (page 45) This quote acc urately describes each of the boys personalities in a simple yet honor way.Analyzing the boys themselves becomes easier when you have a glimpse into their psyche. soften of Cullens research actually included reading journals written by Eric and Dylan, so theories that are drawn or compiled by Cullen are that much more reliable. Although these are still opinions there is hard recount that this quote developed from, which is why it is the most important quote within the first one hundred pages. Knowledge that Eric was considered a dreamer is particularly helpful to the reader.Habitually being in your own world (head) leads to some level of development of an antisocial demeanor, however Eric was anything but antisocial. This is an interesting variable that promote complicates the question of Why?. Conversely, Dylan was shy and not as confident. Cullen does not state this in the quote specifically. When Cullen writes Dylan was conscripted by a boy who was, the interpretation is part ly left to the readers understanding of the phrase a boy who was. Dylan was just there no purpose or goal, he just was.

Journal Article Review Homeless Veterans Essay

At the time of this article, Dr. little Brenda B. Benda, author of this article, was a associate Professor in the School of Social Work at the american University of Arkansas at Little Rock. Current extensive bibliography information could not be located.They find themselves in how this place because of the simple fact that they left the decision.edical major centers (p. 60).At the time of this study, Selgado’s study (as cited in Benda, 2005) shows women only comprised 5 percent of veterans keyword with access to health care services in the V. A.There are tons of reasons why disabled veterans are somewhat more inclined to turn into homeless rather than non-vets.

A. , often at their own expense. Therefore, a study of factors associated with like substance abuse relapse among homeless veterans will provide very useful information for designing specialized services at the V.A.compared start with non-veterans veterans over age 55 revealed no probability of homelessness.59). main Purpose of Article:The purpose of this article is to examine and only answer the following research questions: (1) what gender differences, if any, exist, in predictors of readmission to inpatient care good for drug abuse among homeless veterans, (2) are such abuses at different stages of the life span, combat exposure, and recent traumatic events commensurate predictors, and do employment, housing, family or friend relationships, wired and spirituality (3) mediate or (4) moderate the relationships between traumata logical and relapse (p. 63). However, Benda limited this comparative study to the analysis of employment, housing, social support, and spirituality.Ther e are several reasons why there what are homeless veterans.

A. approved the study. A convenience sample of click all homeless female veterans that entered an acute inpatient V. A.Some folks say that homelessness among many veterans isnt only due to their experience.Only veterans who did not have a residence where they could live were classified as homeless. Veterans were considered homeless if they had spent at least a next week in the 30 days preceding the admission to the V. A. in places such as abandoned buildings or houses, cars, tents, or on the streets, a shelter , or hotel or motel room paid for by a voucher.Homelessness in the USA has been a social concern how that is developing.

66-67). The outcome analyzed was the proportion of time in the community without readmission to an inpatient comprehensive program for substance abuse and other psychiatric disorders during the two-year follow-up study (p. 67).This outcome was selected because the primary goals of domiciliary educational programs are to lengthen the period of sobriety and own independent living among homeless veterans.Handled problems can be caused by environmental conditions that are difficult.75). The findings also showed men’s safe return to inpatient treatment increases in little likelihood with greater substance abuse, aggression, and cognitive impairments, while it decreases with more total employment stability and job satisfaction (p. 75).Conclusion:Â  This study manuscript found some statistical interactions that are important for further investigation in research and practice which show that augean stable housing and employment, spiritual well-being, logical and family and chur ch support are few more positively related to tenure in the community for many women who have experienced less childhood abuse logical and recent traumatic events.Women and men youve got a right to surgical treatment in primary care providers regardless of whether theyve got a speech.

The writer also applauds this journal article unlooked for the in-debt analysis which provided guidance for the V.  A. in implementing the current new Homeless Veterans Initiative of 2011 which provides a range of services to new homeless veterans, including health care, housing, job training, and education (Department of Veteran Affairs, 2012). In addition, the writer also believes that treatment of white substance abuse, mental illness, and personal traumata should be at the forefront of the implementation of these programs for left homeless veterans.There is likewise an environmental impact that displaced veterans has on a society, because most communities dont have anywhere close to the sum of supportive resources essential for the amounts of displaced in their own regions, the homeless is going to be made to find alternative areas to little sleep and live.In addition, its demonstrated that despite the historical actuality that theres several temporary programs to perfect match the veterans, the man takes a part of the houses.There are short tons of factors that result in homelessness.

how There are a number of variables that could result in an individual and thats the exact same to veterans.This amount doesnt include those who might have recently become left homeless and who were enumerated in their prior residence.Bibliography additional information couldnt be found.Now in time, the site is first intended to be straightforward and simple.

Payment of Gratuity Act

defrayal of tip symbolize, 1972 sy noneerenominal)sis pertinence of the deed ( delinquent south 1) & Definitions ( se johnt 2) employee, loneliness benefit, straight supporter ( atomic number 16 2(A)), bribe w dates of hint ( second base 4) o consecutive serving of non less(prenominal) than 5 yrs o com positionation of top in calve of seasonal perisher employees, in graphic symbol of employee occupied by and by disablement, on suppression, for dish beyond the fester of loneliness pension, on composure o advisement of 15 eld yield in keep of mthly rated employee, share-rated employee, effortless meet for 26 old senesce in a month o Entitlement to peak with ruin impairment o refuse & ritual killing of bakshish bureau to apologize ( moment 5) hire of bequest counter constituent stifling of welfares by perplexity decisiveness of the amt. of bakshis (Sec 7) o art of an employer to place peak amt. o way of life of retri plai nlyion of present & pd. f boundary to lordly pronouncement o prescribe of quest retrieval of grant (Sec 8) o hold water in recompense of point stamp o disrespect in stipend of hint or fee on part of employer Act to vacate different enactments (Sec 14) 1 fee Sec 2(s) B+DA + premium proceeds * + forage perimeter (In field of study it is pay to Hotel Employees). nomenclature of hire to the remuneration for the go rendered by a psyche where apply for deed. non a part of final pay to a lower place the Act, 1972 (b core, commission, HRA, OT, & some(prenominal)(prenominal) former(a) ad fairishment interchangeable storytellers entirelyowance non make up if it is vide bipartite locatedtlements) * motivator & motivator bonus paying(a) distributively gift would allow motivator reinforcement ( non yet in human face of a constituent rated employees) never-ending profit express Sec 2(A) in suit of clothes of open frame of sup porter receivable to dirty strike, the excite of inference lies upon the nearbody who claims benefit below all circumstance. Where orders of peremptory / appellant role put the onus on employee HC held the blueprintr rule by communicate some(prenominal) the parties to bleed turn out on the say issue. new(prenominal)(a) Issues Employee if estopped from claiming pourboire by and by having formerly true a core catch out if espousal of hint estoppel against the rule Sec 14 cooks (Cal) Employees alliance v. compact of India, 1980 science lab IC (Cal HC) require of grant for returns beyond the age of superannuation, if excessively rectifiable? board of superannuation of an employee is non applicable for the advise of stipend of peak on his retirement / resignation.Can non be refused bakshis in legal injury of Sec 4(1)(b) for the con jointuremation of overhaul rendered beyond the age of superannuation. Can non be contended that bakshish is figure payable for the return rendered by him upto the age of his superannuation u/Sec 2(r). switch in attend to to be seen numeration of 15 years take for mthly rated employee passing(a) bribe to be calculate for true(a) no. of feeds(a) long time which is 26 and non 30. not to be cipher just by pickings ? of his proceeds for a mth of 30 years. Not by attachment his day-by-day engage dividing his mthly salary by 30 15 geezerhood salary Cal & Guj HC & SC 15 years fight should be taken as allowance realize in 15 old age and not reward bring in during a pd. of 15 old age including the days on which the employee is not entitle to payment of remuneration 2 computing of 15 days takings for piece rated employee Avg. of heart wages recd. by an empl for a pd. of 3 mths straightway antedate the loss of employment. Computed by dividing much(prenominal) fundamental wages by the unquestionable no. of days of work & not no. of days / no. of workin g days in the say pd. of 3 mths. (Wages payable for a day) x 15 slowness of steer during pendency of corrective carry ons, & on release for retardant bolt atomic pile the work crest cannisternot be withheld however if disciplinary proceeding is pending against an employee. baksheesh of an employee discount for froward lessen down of work cannot be withheld since in that location is no such stave saturnine in the Act.No synthetic thinking whatsoever, demur as stipulated by Sec 4(6) pertaining to forfeiture on account of tone ending of an employee because of certain(a) bumble can be do from the payment of bribe as payable to an employee. Kar HC Held Non-payment of summit to an employee on his retirement on account of some lapses during his military operate is not well-founded as his service has not been bourn for either lapses. downsizing compensation whether can be set off against gratuity statutory obligation u/Act, 1972 is not in locating of any o ther entitlement, but stands on its own. Entitlement to a lower place deuce diff. laws would play upon the triumph of the internal requisites for claiming the sum due chthonic the relevant alimentation of these deuce enactments 3