Analysis of Theme for English Essay

The premise behind this poem is that the speaker is a black college student whose instructor has given his students an assignment to write a paper about themselves. While the poem takes the reader through his walk home from class and his thought process about â€Å"who he is†, the final line of the poem, â€Å"This is my page for English B† (ll. 41) suggests that this poem is the paper he has written for class. Langston Hughes wrote this poem during the Harlem Renaissance of the late 1910s, so a reader might immediately assume that the main topic involves race or racial prejudice. The second stanza almost takes this direction when the speaker mentions that he is â€Å"the only colored student in [his] class† (ll. 10). The third stanza changes directions, though, when the speaker, addressing his white instructor, says, â€Å"I guess being colored doesn’t make me not like / the same things other folks like who are other races† (ll. 25-26). This suggests that he is not, because he is black, different than others, but rather, the same. White people might think that his preferences are different, but they are actually similar. Asking â€Å"So will my page be colored that I write† (ll. 27) is a creative play on his identity that will come across in the paper he will write for class; will it reflect his â€Å"blackness†?, he wonders. It â€Å"will not be white† (ll. 28) he knows, since he is not, but it will partially reflect his instructor, the one who gave the assignment. After all, both he and his instructor are human (â€Å"yet a part of me, as I am a part of you† (ll. 32)). As the poem closes, the speaker draws his conclusions about his own racial identity: he no more wants to be white than his white instructor wants to be black, but there is no denying the similarity between them. He’ll learn from the instructor (â€Å"As I learn from you†(ll. 37)) but the instructor will also learn from him (â€Å"I guess you learn from me† (ll. 38)). Perhaps he thinks the instructor does not understand what it’s like to be black. A quick scan through the lines of this poem reveals the frequent use of the words â€Å"I†, â€Å"me†, and â€Å"you†, which are a clue for the poem’s overall theme:  should one find his identity through his race, or through ordinary, everyday elements, likes and dislikes, enjoyable pastimes and perceptions of life? In lines 6-15 alone, the word â€Å"I† is used to ask questions, tell his age, race, and birthplace, his college, and route home to the Harlem Branch YMCA. This is how he identifies himself outwardly to others. The third stanza uses â€Å"I† and â€Å"me† to compare himself to â€Å"you†, the instructor. The speaker identifies himself with Harlem in the lines which read â€Å"But I guess I’m what / I feel and see and hear, Harlem, I hear you: / hear you, hear me – we two – you, me, talk on this page† (ll.17-19). Many black people during this time were inspired by Harlem’s empowerment of their community. Having a black heritage was seen as positive and black poets, musicians and authors thrived in Harlem. The speaker has likely been encouraged by living in Harlem, and therefore sees his black identity in direct contrast to â€Å"you†, the white identity of his instructor. He’s not entirely sure, though, because the short line â€Å"Me – who?† (ll. 20) indicates that his identity isn’t clear to him, or maybe to whites. The fourth stanza’s conclusion about this issue recognizes that to allow blacks to be proud of their heritage is â€Å"American† (ll. 33). While this poem doesn’t seem to make use of specific figurative language, there is one instance of alliteration which makes a neat point. In the third stanza, the speaker points out the things he enjoys that help to identify him, including â€Å"records – Bessie, bop, or Bach† (ll. 24). This intentional alliteration identifies three different types of music: a jazz vocalist (Bessie Smith), the bop genre, and Bach (classical), to point out that even a black man whose culture strongly identifies with jazz and bop music, can like classical music which is often associated with white culture. The alliteration serves to highlight the â€Å"sameness† of these three, all of which he likes, but their difference lies in their cultural associations. Although there is no specific rhyme scheme, internal rhyme throughout and the rhyme at the end seem intentional. The internal rhyme has an almost sing-song sound to it, and provides a beautiful flow from line to line. In lines 16-17, the rhyme of â€Å"true†, â€Å"you† and â€Å"two† and the enjambment of the lines seems to ask the question â€Å"what is true of ‘you’ and me†? This same  rhyme patter is repeated in the fourth stanza in lines 35-36, â€Å"Nor do I often want to be a part of you. / But we are, that’s true!†. This seems to answer the question: the common factor between â€Å"you† and â€Å"me† is that we are part of each other, â€Å"that’s true!†. As the speaker comes to this decision in the end, the tone is final and the end rhyme becomes even, as though his decision is final and right. He says â€Å"I guess you learn from me – / although you’re older – and white – / and somewhat more free. / This is my page for English B†. The rhyme of â€Å"me†, â€Å"free† and â€Å"B† suggest an answer to his question: the instructor will learn from him, although it will not immediately change the identity of any person, white or black. This is one of my favorite poems because of its rhythm and rhyme. Lines like â€Å"Harlem, I hear you: / hear you, hear me – we two – you, me† (ll. 18-19) and the last four have a rhythm like music and the words just flow from my mouth as I read them. They’re short and simple, but pack such a powerful punch. And while I cannot identify with the racial divide so present in this poem, I like to think about how being white is assumed, and being black is not. It was probably such a simple assignment for the professor to give, yet how many of the white students would have written about being â€Å"white†? And does the speaker think that the instructor will expect him to write about being black? And will his paper reflect being black or will it be just as â€Å"white† as the others? Hughes makes a play on this concept with the line â€Å"So will my page be colored that I write?† (ll. 27). For me, this poem is easy to understand but not overl y simplified. The concept is a complex one, but is presented in a way that makes it seem like a neat little package.

Training Report on Wholesale Banking Operation in Axis Bank.

REPORT ON SUMMER TRAINING OF Submitted to KCL-IMT (PTU) In partial fulfillment of the requirements for the award of degree of MASTER OF BUSINESS ADMINISTRATION Submitted by: Name of the student : KIRAN DOGRA Roll No: 1174251| Supervisor: Dr. SUKHMANI WARAICH Ass. prof. | DEPARTMENT OF MANAGEMENT KCL-IMT JALANDHAR BATCH-2011-2013 DECLARATIONI, â€Å"KIRAN DOGRA†, hereby declare that the work presented herein is genuine work done originally by me and has not been published or submitted elsewhere for the requirement of a MBA program me. Any literature, data or works done by others and cited within this research project has been given due acknowledgement and listed in the reference section. _______________________ (Student's name ; Signature) PREFACE Someone has rightly said that practical experience is for  better and closer to the real world then mere theoretical exposure. The practical experience helps the students view the real world closely, which in turn widely nfluences their  perceptions and argument their understanding of the real situation. Report work constitutes the backbone of any management education program me. A management student has to do report work quite frequently during his entire span. The report work entitle â€Å"WHOLESALE BANKING OPERATION OF AXIS BANK† aims to analyze various services and products provided by AXIS and for this purpose TANDA city have been chosen. CERTIFICATE This is to certify that the project work of Ms. KIRAN DOGRA on WHOLESALE BANKING OPERATION with AXIS BANK has been compiled under my supervision and guidance. _________________________ (Faculty Name ; Signature) ACKNOWLEDGEMENT I present this project report on â€Å"whole banking operations† IN AXISBANK LTD. , WARDHA with a sense of great pleasure and satisfaction. I undersign with pleasure take this opportunity to thank all those related directly or indirectly in preparation of this project report. I started working on this project under the invaluable guidance of Honorable Miss. Riddhi Deshpande mam for which I am very much thankful for her valued time given for the purpose. Without her co-operation our project work would have been difficult to complete.I express our sincere thanks to Mr. HITESH RAWAL, (Branch Manager) in Axis Bank Ltd. ,TANDA and staff in that organization. I am also thankful to Dr. INDERPREET SINGH sir [Director of our college] and Miss. sukhmani waraich [Project In charge] to allow us to carry out this project. I also thank all my friends who have more or less contributed to the preparation of this project report. I will be always indebted to them. INDEX S. No. | CHAPTERS| PAGE No. | 1. | CHAPTER – 1 (COMPANY PROFILE)| 8-22| 1. 1 | Introduction of axis bank| 8| 1. 2| History of axis bank| 9-13| 1. 3| Management of axis bank| 14-15| 1. | Definition of banking| 15| 1. 5| Meaning of banking| 15| 1. 6| Product of axis bank| 15-16| 1. 7| Customer services on banking operation| 16-17| 1. 8| Tradit ional banking activity | 17| 1. 9 | Accounting for bank account| 17-18| 1. 10| Economic function| 18-20| 1. 11| Types of investment ban| 20| 1. 12| Mortgage banking| 20-22| 1. 13| KYC (know your customer)| 22| 1. 14| Competitors | 22| | | | 2. | CHAPTER – 2| 23-26| | Need, Scope, Objectives, methodology and limitation of the study. | 23-26| | | | | | | 3. | Chapter – 3| 27-38| 3. 1| Project introduction| 27| 3. 2| Meaning of wholesale banking operation| 27-28| . 3| Concept | 28-34| 3. 4| Current account information| 34-35| 3. 4. 1| Channel one:(for successful business)| 34| 3. 4. 2| Builders and real estate| 35| 3. 5| Training in wholesale banking operation| 35-38| 3. 5. 1| Corporate| 35-36| 3. 5. 2| Small and medium enterprises| 36-37| 3. 5. 3| Government | 37-38| | | | 4. | Chapter – 4| 39-51| 4. 1| Data analysis| 39-51| | | | 5. | Chapter – 5| 52| 5. 1| Finding and suggestion| 52| 5. 2| Conclusion and recommendation| 52| | | | 6. | Chapter – 6| 53| | Bibliography| 54| | Appendices-Customer Feedback Form| 55-57| CHAPTER 1 1. COMPANY PROFILE 1. INTRODUCTION OF AXIS BANK Commercial banking services which includes merchant banking, direct finance infrastructure finance, venture capital fund, advisory, trusteeship, forex, treasury and other related financial services. Axis Bank Limited  is an Indian  financial services  firm that had begun operations in 1994, after the  Government of India  allowed new private banks to be established. The Bank was promoted jointly by the Administrator of the Specified Undertaking of the Unit Trust of India  (UTI),  Life Insurance Corporation of India  (LIC), General Insurance Corporation Ltd. , National Insurance Company Ltd.The New India Assurance Company,  The Oriental Insurance corporation  and  United India Insurance Company  UTI holds a special position in the Indian capital markets and has promoted many leading financial institutions in the country. As on the year ended 31 March, 2012, Axis Bank had an operating revenue of 13,437 crores and a net profit of 4242 crores. Axis Bank opened its registered office in Ahmedabad and corporate office in Mumbai in December 1993. The first branch was inaugurated in April 1994 in Ahmedabad by Dr. Manmohan Singh , then the honorable Finance Minister . 1. 2 HISTORY OF AXIS BANK 1993:The Bank was incorporated on 3rd December and Certificate of business on 14th December. The Bank transacts banking business of all description. UTI Bank Ltd. was promoted by Unit Trust of India, Life Insurance Corporation of India, General Insurance Corporation of India and its four subsidiaries. The bank was the first private sector bank to get a license under the new guidelines issued by the RBI. 1997: The Bank obtained license to act as Depository Participant with NSDL and applied for registration with SEBI to act as `Trustee to Debenture Holders'. Rupees 100 crores was contributed by UTI, the rest from LIC Rs 7. crores, GIC and its four subsidiaries Rs 1. 5 crores each. 1998: The Bank has 28 branches in urban and semi urban areas as on31st July. All the branches are fully computerized and networked through VSAT. ATM services are available in 27 branches. The Bank came out with a public issue of 1,50,00,000 No. of equity shares of Rs10 each at a premium of Rs 11 per share aggregating to Rs 31. 50crores and Offer for sale of 2,00,00,000 No. of equity shares for cash at a price of Rs 21 per share. Out of the public issue 2, 20,000 shares were reserved for allotment on preferential basis to employees of UTI Bank.Balance of 3, 47, 80,000 shares were offered to the public. The company offers ATM cards, using which account-holders can with draw money from any of the bank's ATMs across the country which is inter-connected by VSAT. UTI Bank has launched a new retail product with operational flexibility for its customers. UTI Bank will sign a co-brand agreement with the market, leader, Citibank NA for entering i nto the highly promising credit card business. UTI Bank promoted by India's pioneer mutual fund Unit Trust of India along with LIC, GIC and its four subsidiaries. 1999: UTI Bank and Citibank have launched an international co-branded Credit card.UTI Bank and Citibank have come together to launch an international co-branded credit card under the Master Card umbrella. UTI Bank Ltd has inaugurated an offsite ATM at Ashok Nagar here, taking the total number of its offsite ATMs. 2000: The Bank has announced the launch of Tele-Depository Services for Its depository clients. UTI Bank has launch of `I Connect', its Internet banking Product. UTI Bank has signed a memorandum of understanding with equitymaster. com for e-broking activities of the site. Infinity. com financial Securities Ltd. , an e-broking outfit is Typing up with UTI Bank for a banking interface.Geojit Securities Ltd, the first company to start online trading services, has signed a MoU with UTI Bank to enable investors to buys ell demat stocks through the company's website. India bulls have signed a memorandum of understanding with UTI Bank. UTI Bank has entered into an agreement with Stock Holding Corporation of India for providing loans against hares to SCHCIL's customers and funding investors in public and rights issues. ICRA has upgraded the rating UTI Bank's Rs 500 crores certificate of deposit programmed to A1+. UTI Bank has tied up with L&T Trade. com for providing customized online trading solution for brokers. 001: UTI Bank launched a private placement of non-convertible debentures to rise up to Rs 75 crores. UTI Bank has opened two offsite ATMs and one extension counter with an ATM in Mangalore, taking its total number of ATMs across the country to 355. UTI Bank has recorded 62 per cent rise in net profit for the quarter ended September 30, 2001, at Rs 30. 95 crores. For the second quarter ended September 30, 2000, the net profit was Rs 19. 08 crores. The total income of the bank during the quar ter was up 53 per cent at Rs 366. 25 crores. 2002: UTI Bank Ltd has informed BSE that Shri B R Barwale has resigned as a Director of the Bank w. . f. January 02, 2002. A C Shah, former chairman of Bank of Baroda, also retired from the bank’s board in the third quarter of last year. His place continues to be vacant. MD a modern took over as the director of the board after taking in there INS of UTI. B S Pandit has also joined the bank’s board subsequent to the retirement of K G Vassal. UTI Bank Ltd has informed that Shri Paul Fletcher has been appointed as an Additional Director Nominee of CDC Financial Service (Mauritius) Ltd of the Bank . And Shri Donald Peck has been appointed as an Additional Director (nominee of South Asia Regional Fund) of the Bank.UTI Bank Ltd has informed that on laying down the office of Chairman of LIC on being appointed as Chairman of SEBI, Shri G N Bajpai, Nominee Director of LIC has resigned as a Director of the Bank. 2003: UTI Bank Ltd has informed BSE that at the meeting of the Board of Directors of the company held on January 16, 2003, Shri R N Bharadwaj, Managing Director of LIC has been appointed as an Additional Director of the Bank with immediate effect. – UTI Bank, the private sector bank has opened a branch at Nellore. The bank’s Chairman and Managing Director, Dr P. J. Nayak, inaugurating the bank branch at GT Road on May 26.Speaking on the occasion, Dr Nayak said. This marks another step towards the extensive customer banking focus that we are providing across the country and reinforces our commitment to bring superior banking services, marked by convenience and closeness to customers. -UTI Bank Ltd. has informed the Exchange that at its meeting held on June 25, 2003 the BOD have decided the following: 1) To appoint Mr. A T Pannir Selvam, former CMD of Union Bank of India and Prof. Jayanth Varma of the Indian Institute of Management, Ahmadabad as additional directors of the Bank with immediate effect.Further, Mr. Pannir Selvam will be the nominee director of the Administrator of the specified undertaking of the Unit Trust of India (UTI-I) and Mr. Jayanth Varma will be an Independent Director. 2) To issue Non-Convertible Unsecured Redeemable Debentures up to Rs. 100 crores, in one or more tranches as the Bank's Tier – II capital. -UTI has been authorized to launch 16 ATM son the Western Railway Stations of Mumbai Division. -UTI filed suit against financial institutions IFCI Ltd in the debt recovery tribunal at Mumbai to recover Rs. 5cr in dues. -UTI bank made an entry to the Food Credit Programme; it has made an entry into the 59 cluster which includes private sector, public sector, old private sector and co-operative banks. -Shri Ajeet Prasad, Nominee of UTI has resigned as the director of the bank. -Banks Chairman and MD Dr. P. J. Nayak inaugurated a new branch at Nellore. -UTI bank allots shares under Employee Stock Option Scheme to its employees. -Unveils pre-p aid travel card ‘Visa Electron Travel Currency Card' -Allotment of 58923equity shares of Rs 10 each under ESOP. UTI Bank ties up with UK govt fund for contract farm in -Shri B S Pandit, nominee of the Administrator of the Specified Undertaking of the Unit Trust of India(UTI-I) has resigned as a director from the Bank w e f November 12,2003. -UTI Bank unveils new ATM in Sikkim. 2004: Comes out with Rs. 500 Unsecured Redeemable Non-Convertible Debenture Issue, issue fully subscribed -UTI Bank Ltd has informed that Shri Ajeet Prasad, Nominee of the Administrator of the Specified Undertaking of the Unit Trust of India (UTI – I) has been appointed as an Additional Director of the Bank w. e. f. January 20,2004. UTI Bank opens new branch in Udupi-UTI Bank, Geojit in pact for trading platform in Qatar -UTI Bank ties up with Shri ram Group Cos-Unveils premium payment facility through ATMs applicable to LIC UTI Bank customers –Metal junction (MJ)- the online trading and pr ocurement joint venture of Tata Steel and Steel Authority of India(SAIL)- has roped in UTI Bank to start off own equipment for Tata Steel. -DIEBOLD Systems Private Ltd, a wholly owned subsidiary of Diebold Incorporated, has secured a major contract for the supply of ATMs an services to UTI Bank -HSBC completes acquisition of 14. % stake in UTI Bank for . 6 m -UTI Bank installs ATM in Thiruvananthapuram –Launches Remittance Card' in association with Remit2India, a Web site offering money transfer services. 2005: * UTI Bank enters into a banc assurance partnership with Bajaj Allianz General for selling general insurance products through its branch network. * UTI Bank launches its first Satellite Retail Assets Centre (SRAC) in Karnataka at Mangalore. 2006: * UBL sets up branch in Jaipur. UTI Bank unveils priority banking lounge. * UTI Bank launches operations of UBL Sales, its Sales Subsidiary -Inaugurates its first office in Bangalore. * UTI Bank announces the launch of its Cre dit Card Business. * UTI Bank becomes the first Indian Bank to successfully issue Foreign Currency Hybrid Capital in the International Market. * UTI Bank Business Gold Debit Card MasterCard Launched – Designed for business related spending by SMEs and self employed professionals. 2007:AXIS Bank Ltd has informed that consequent upon handing over charge as Administrator of the Specified Undertaking of the Unit Trust of India (SUUTI), Shri. S B Mathur, the Nominee Director of SUUTI has resigned as a Director of the Bank December 06, 2007. * AXIS Bank Ltd has informed that Fitch Ratings on December 14, 2007, has upgraded the Bank's National Long-term rating to ‘AAA(ind)' from ‘AA+(ind)'. * AXIS Bank Ltd has appointed Shri K N Prithvi raj as an Additional Director on the Board at Directors of the Bank. * Company name has been changed from UTI Bank Ltd to Axis Bank Ltd. 008: * Axis Bank launches Platinum Credit Card, India's first EMV chip based card. * Axis Bank set up its branch at Ilanji at Meenakshi Nagar on the Coutralam-Madurai road on April 16. 2009: * Axis Bank today said its board has recommended the appointment of Shikha Sharma, currently chief of ICICI group's life insurance business, as its next managing director and CEO. * Axis Bank has set up a new branch at Perumbavoor. The bank has a network of 832 branches along with 8 extension counters and 3622 ATMs across the country. Axis Bank, on Wednesday entered into a strategic alliance with Motilal Oswal, the financial services firm, in order to facilitate the online trading for the bank's customers. * AXIS Bank Ltd has informed that the Board of Directors of the Bank at its meeting held on June 01, 2009, inducted Smt. Shikha Sharma as an Additional Director of the Bank. * Axis bank has received final clearance from the Securities and Exchange Board of India (SEBI) to begin its mutual fund operations and will launch debt and equity schemes soon whereas IDBI Bank is awaiting the regulator' s permit for an entry. Axis Bank opened the new branch at Irinjalakuda while it has a network of 892 branches, 8 extension counters and 3,806 ATMs across the country. 2010: Axis Bank Limited has informed that at the meeting of the Board of Directors held on January 15, 2010, the following decisions were taken: * To appoint Dr. Adarsh Kishore, former Finance Secretary, Government of India and former Executive Director, International Monetary Fund representing Bangladesh, Bhutan, India and Sri Lanka as the Non-Executive Chairman of the Bank, subject to RBI approval; * To appoint Shri S.B. Mathur, former Chairman, LIC and the National Stock Exchange of India, as an Additional Independent Director, with immediate effect. 1. 3 MANAGEMENT OF AXIS BANK ORGANIZATION STRUCTURE OF AXIS BANK PROMOTERS: Axis Bank Ltd. has been promoted by the largest and the best Financial Institution of the country, UTI. The Bank was set up with a capital of Rs. 115 crores, with UTI contributing Rs. 100 Crores , LIC – Rs. 7. 5 Crores and GIC and its four subsidiaries contributing Rs. . 5 Crores each SUUTI – Shareholding 27. 02%Erstwhile Unit Trust of India was setup as a body corporate under the UTI Act, 1963, with a view to encourage savings and investment. In December 2002, the UTI Act, 1963 was repealed with the passage of Unit Trust of India (Transfer of Undertaking and Repeal) Act, 2002 by the Parliament, paving the way for the bifurcation of UTI into 2 entities, UTI-I and UTI-II with effect from1st February 2003. In accordance with the Act, the Undertaking specified as UTI I has been transferred and ested in the Administrator of the Specified Undertaking of the Unit Trust of India (SUUTI), who manages assured return schemes along with 6. 75% US-64 Bonds,6. 60% ARS Bonds with a Unit Capital of over Rs. 14167. 59 crores. The Government of India has currently appointed Shri K. N. Prithviraj as the Administrator of the Specified undertaking of UTI, to look after and admini ster the schemes under UTI where Government has continuing obligations and commitments to the investors, which it will uphold. 1. 4 DEFINITIONS OF BANKINGA bank is a financial institution licensed by a government. Its primary activity is to lend money. Many other financial activities were allowed over time. For example banks are important players in financial markets and offer financial services such as investment funds. Banking can also be defined as engaging in the business of keeping money for savings and checking accounts or for exchange or for issuing loans and credit. Transacting business with a bank: Depositing or withdrawing funds or requesting a loan.Bank – a supply or stock held in reserve for future use (especially in emergencies) 1. 5 MEANING OF BANKING An organization, usually a corporation, chartered by a state or federal government, which does most or all of the following: receives demand deposits and time deposits, honors instruments drawn on them, and pays in terest on them; discounts notes, makes loans, and invests in securities; collects checks, drafts, and notes; certifies depositor's checks; and issues drafts and cashier's checks. 1. 6 PRODUCT OF AXIS BANK * Product of axis bank * Easy Access Saving Account Saving Account for Women * Prime Saving Account * Senior Citizens Saving Account * Priority Banking * Corporate Salary Account * Trust /NGOs Saving Account * Resident Foreign Currency Account * Online Trading Account * Current Account * Term Deposits * Locker Facilities * NRI Services * Depository Services * Financial Advisory Services * Wealth Management Services * Insurance Solutions – Life and General * Retail Loans * Credit Loans * Travel Currency Cards * Remittance Cards * Gift Cards 1. 7 CUSTOMER SERVICE IN BANKING OPERATION * Cheque Drop Box FacilityRBI's Committee on Procedures and Performance Audit on Public Services has recommended that both the drop box facility and the facility for acknowledgement of the cheques at the regular collection counters should be available to customers and no branch should refuse to give an acknowledgement if the customer tenders the cheques at the counters. * Issue of Cheque Books: The Committee has observed that some banks do not allow depositors to collect their cheque book at the branch but insist on dispatching the cheque book by courier to the depositor.Further, it is stated by the Committee that the deposit or is forced to sign a declaration that a dispatch by the courier is at the depositor's risk and consequence and that the depositor shall not hold the bank liable in any manner whatsoever in respect of such dispatch of cheque book. Committee has observed this as an unfair practice and advised banks to refrain from obtaining such undertakings from depositors. Banks should also ensure that cheque books are delivered over the counters on request to the depositors or his authorized representative. Statement of Accounts / Pass Books: The Committee has noted that banks invariably show the entries in depositor’s passbooks /statement of accounts as â€Å"By Clearing† or â€Å"By Cheque†. Further, in the case of Electronic Clearing System (ECS) and RBI Electronic Funds Transfer (RBIEFTR) banks invariably do not provide any details even though brief particulars of the remittance are provided to the receiving bank. In some cases computerized entries use sophisticated codes which just cannot be deciphered.With a view to avoiding inconvenience to depositors, banks are advised to avoid such inscrutable entries in passbooks statements of account and ensure that brief, intelligible particulars are invariably entered in passbooks / statements of account. Banks may also ensure that they adhere to the monthly periodicity prescribed by us while sending statement of accounts. 1. 8 TRADITIONAL BANKING ACTIVITIES Banks act as payment agents by conducting checking or current accounts for customers, paying cheques drawn by customers o n the bank, and collecting cheques deposited to customers' current accounts.Banks also enable customer payments via other payment methods such as telegraphic transfer, EFTPOS, and ATM. Banks borrow money by accepting funds deposited on current accounts, by accepting term deposits, and by issuing debt securities such as bank notes and bonds. Banks lend money by making advances to customers on current accounts, by making installment loans, and by investing in marketable debt securities and other forms of money lending. Banks provide almost all payment services, and a bank account is considered indispensable by most businesses, individuals and governments.Non-banks that provide payment services such as remittance companies are not normally considered an adequate substitute for having a bank account. Banks borrow most funds from households and non-financial businesses, and lend most funds to households and non-financial businesses, but non-bank lenders provide a significant and in many cases adequate substitute for bank loans, and money market funds, cash management trusts and other non-bank financial institutions in many cases provide an adequate substitute to banks. 1. 9 ACCOUNTING FOR BANK ACCOUNTBank statements are accounting records produced by banks under the various accounting standards of the world. Under GAAP and IFRS there are two kinds of accounts: debit and credit. Credit accounts are Revenue, Equity and Liabilities. Debit Accounts are Assets and Expenses. This means you credit a credit account to increase its balance, and you debit a debit account to increase its balance. This also means you debit your savings account every time you deposit money into it (and the account is normally in deficit), while you credit your credit card account every time you spend money from it (and the account is normally in credit).However, if you read your bank statement, it will say the opposite—that you credit your account when you deposit money, and you debit it when you withdraw funds. If you have cash in your account, you have a positive (or credit) balance; if you are overdrawn, you have a negative (or deficit) balance. There a son for this is that the bank, and not you, has produced the bank statement. Your savings might be your assets, but the bank's liability, so they are credit accounts (which should have a positive balance).Conversely, your loans are your liabilities but the bank's assets, so they are debit accounts (which should have a also have a positive balance). Where bank transactions, balances, credits and debits are discussed below, they are done so from the viewpoint of the accountholder—which is traditionally what most people are used to seeing. 1. 10 ECONIMIC FUNCTION * Issue of money: In the form of bank note sand current accounts subject to cheque or payment at the customer's order. These claim son banks can act as money because they are negotiable and/or repayable on demand, and hence valued at par.They are eff ectively transferable by mere delivery, in the case of banknotes, or by drawing a cheque that the payee may bank or cash. * Netting and settlement of payments: Banks act as both collection and paying agents for customers, participating in interbank clearing and settlement systems to collect, present, be presented with, and pay payment instruments. This enables banks to economies on reserves held for settlement of payments, since inward and outward payments offset each other. It also enables the offsetting of payment flows between geographical areas, reducing the cost of settlement between them. * Credit intermediation:Banks borrow and lend back-to-back on their own account as middle men. * Credit quality improvement: Banks lend money to ordinary commercial and personal borrowers (ordinary credit quality), but are high quality borrowers. The improvement comes from diversification of the bank's assets and capital which provides a buffer to absorb losses without defaulting on its oblig ations. However, banknotes and deposits are generally unsecured; if the bank gets into difficulty and pledges assets as security, to raise the funding it needs to continue to operate, this puts the note holders and depositors in an economically subordinated position. Maturity Transformation: Banks borrow more on demand debt and short term debt, but provide more long term loans. In other words, they borrow short and lend long. With a stronger credit quality than most other borrowers, banks can do this by aggregating issues (e. g. accepting deposits and issuing banknotes) and redemptions (e. g. withdrawals and redemptions of banknotes), maintaining reserves of cash, investing in marketable securities that can be readily converted to cash if needed, and raising replacement funding as needed from various sources (e. g. wholesale cash markets and securities markets). Banking channels: Banks offer many different channels to access their banking and other services: * A branch, banking cent re or financial centre is a retail location where a bank or financial institution offers a wide array of face-to-face service to its customers. * ATM is a computerized telecommunications device that provides a financial institution's customers a method of financial transactions in a public space without the need for a human clerk or bank teller. Most banks now have more ATMs than branches, and ATMs are providing a wider range of services to a wider range of users.For example in Hong Kong, most ATMs enable anyone to deposit cash to any customer of the bank's account by feeding in the notes and entering the account number to be credited. Also, most ATMs enable card holders from other banks to get their account balance and withdraw cash, even if the card is issued by a foreign bank. * Mail is part of the postal system which itself is a system where in written documents typically enclosed in envelopes, and also small packages containing other matter, are delivered to destinations around the world. This can be used to deposit cheques and to send orders to the bank to pay money to third parties.Banks also normally use mail to deliver periodic account statements to customers. * Telephone banking is a service provided by a financial institution which allows its customers to perform transactions over the telephone. This normally includes bill payments for bills from major billers (e. g. for electricity). * Online banking is a term used for performing transactions, payments etc. over the Internet through a bank, credit union or building society's secure website. * Mobile banking is a method of using one's mobile phone to conduct simple banking transactions by remotely linking into a banking network. Video banking is a term used for performing banking transactions or professional banking consultations via a remote video and audio connection. Video banking can be performed via purpose built banking transaction machines (similar to an Automated teller machine), or via a vi deoconference enabled bank branch. 1. 11 TYPES OF INVESTMENT BANKS * Investment banks â€Å"underwrite† (guarantee the sale of) stock and bond issues, trade for their own accounts, make markets, and advise corporations on capital market activities such as mergers and acquisitions. * Merchant banks were traditionally banks which engaged in trade finance.The modern definition, however, refers to banks which provide capital to firms in the form of shares rather than loans. Unlike venture capital firms, they tend not to invest in new companies. 1. 12 MORTGAGE BANKING Mortgage banking deals primarily with originating mortgage loans and servicing them. Read more about it here as well as about what a career in mortgage banking involves. Mortgage banking is meant for a single purpose, to service the real estate finance industry. Mortgage banking deals specifically with originating mortgage loans as well as servicing them.Mortgage banks are state-licensed entities from which consumers can get mortgage loans directly. Usually, mortgage banks avail funds from the Federal National Mortgage Association, or FNMA, also known as Fannie Mae, the Federal Home Loan Mortgage Corporation, or FHLMC, also known as Freddie Mac, or any other large companies that service mortgages, which are related to the secondary mortgage market. Here are a few pointers about the nitty-gritty of mortgage banking. * Mortgage Banks Specialize in Mortgage Loans: Unlike a savings bank that is federally chartered, in general mortgage banks specialize in only providing mortgage loans.Hence, customers do not deposit their money in these banks. As has been mentioned above, the secondary wholesale market is their primary source of funds. Freddie Mac and Fannie Mae are examples of the lenders in the secondary market. * Mortgage Banks Differ in Size: While some mortgage banks can be nationwide, others can originate a volume of loan that can exceed that of a commercial bank that is nationwide. Many of th ese mortgage banks utilize specialty servicers like Real Time Resolutions to carry out tasks like fraud detection work and repurchase. Mortgage Banks have Two Sources of Revenue: The two main sources of income are from loan servicing fees (if they are into loansevicing0, and fees from loan origination. Mortgage bankers, by and large, are choosing not to service the loans they have originated. That is because they are entitled to earn a service-released premium by selling them soon after the mortgage loans are closed and funded. The investor in the secondary market that purchases the loan has the ability of earning revenue for providing servicing of the loan every month the borrower keeps the loan. Different Banking Laws Apply to Mortgage Banks: Mortgage banks usually operate under banking laws that are quite different, according to the state they operate in. You will need to check each individual state’s financial department or state banking in order to get list of mortgage b ankers in each state. While federal laws apply to the operation of a federal bank, in terms of consumer protection, usually consumers have additional rights, which are applicable according to each state. * Mortgage Bankers can be More Competitive:Since they only specialize in lending and do not have to subsidize any of the losses that other departments may have incurred, as in regular banking, mortgage bankers have the ability of being really competitive when lending for mortgage. However, they usually do not have the advantage of accessing adjustable rate mortgages that are low cost, which federal banks are typically associated with, and federal money access. * A Career in Mortgage Banking: Professionals in mortgage banking in the job market today need to have a college degree in business or finance, or some specific experience or training related to the field.Skills in good customer service, an inherent ability with numbers, and computer skills are also essential requirements for mortgage banking jobs. A mortgage banking professional’s job involves reviewing credit scores, determining the kind of loan that is most beneficial for the customer and guiding them through the process of application as well as closing. The loan officer has to be very organized and detail oriented, and need to be able to handle the large amounts of paperwork and reporting that are required for getting loans approved, up to the closing.A mortgage banking professional also has to have thorough know-how about the regulations associated with federal mortgage as well as the various types. 1. 13 KYC (KNOW YOUR CUSTOMER) As per KYC guideline the RBI has advised banks to follow KYC guidelines of RBI mandates banks to collect three proofs from their customers they are1 Photograph2 Proof of Identity3 Proof of address Accordingly, Axis bank has framed its KYC procedure according to which, a photograph and documentary proof of personal identification and address proof are required t be p rovided.The account Opening form provides the nature of documents required / procedure to be followed for opening a new account. You may also log in to our websitewww. axisbank. com for such information which is displayed product-wise. 1. 14 COMPETITORS 1. ICICI Bank Ltd. 2. HDFC Bank Ltd. 3. State Bank of India 4. HSBC Bank 5. RBS (Royal Bank of Scotland) 6. Maharashtra Bank of India 7. Canara Bank 8. Andhra Bank 9. IDBI bank 10. Bank of India 11. Punjab National Bank 12. Central Bank 13. Allahabad Bank 14.ING Vysya 15. Centurion Bank CHAPTER 2 2. NEED, SCOPE, OBJECTIVE, METHODOLOGY AND LIMITATIONS OF THE STUDY 2. 1 NEED OF RESEARCH The research is significant for me and the bank thus significant as follow to the trainee as follow: – * To the trainee †¢The research has provided the trainee practical knowledge regarding the organization working, survey and other aspect of marketing. †¢This research is also essential for me in fulfillment of MBA curriculum. * To the bank Research would help the bank to get the lead of potential customer and current satisfaction level among existing relationship companies †¢To study the opportunity of cross sailing of other product and services †¢The suggestion provide the researcher will be helpful to improvement of class and quality of service to new and current customers and also help to enhance the activities * To the customer †¢The research will become a medium to convey the dissatisfaction factor to the appropriate person in the management 2. 2 SCOPE OF RESEARCHThe research was conducted for AXIS bank limited in Hoshiarpur City. The research was conducted in operational and marketing aspect of the bank products and survey. The research collected to detail information by personal interview and data collection sheet. 2. 3 OBJECTIVES OF THE STUDY This study has been conducted with a variety of important objectives in mind. The following provides us with the  objectives that have tried to achi eve through the study. The extent to which these objectives have been met could judge from the conclusions and suggestions, which appear in the later of this study. The main objective of the study is to know about the potential of the market regarding people’s dealing in financial services. †¢ To know the role of all financial services. †¢ To know where people have already opened their Account and on what basis. 2. 4 RESEARCH METHODOLOGY Research is an art of scientific investigation. In other word research is a scientific and systematic search for pertinent information on specific topic. The logic behind taking research methodology into consideration is that one can have knowledge about the method and procedure adopted for achievement of objectives of the project.With the adoption of  this others can evaluate the results also. Its main aim is to keep the researchers on the right track. The methodology adopted for studying the objectives was surveying the saving a ccount holders of District HOSHIARPUR. So keeping in view the nature of requirements of the study to collect all the relevant information regarding the comparison of saving account of Centurion Bank of Punjab with other  banks direct personal interview method with structured questionnaire was adopted for the collection of primary data. Secondary data has been collected through the various magazines and newspaper a nd by surfing on internet.And the guide in the organization was consulted at many times. 2. 5 SELECTION OF THE SAMPLE It becomes impossible to contact each and every individual of the population due to limitations of essential resources like time and money. Therefore, the study is preferably allowed down to a representation sample to make the study more manageable. Keeping in view the objectives and resource limitation of the study, 100 respondents were considered. Respondents – 100 The selected sample is representative of the population and is accurate and practi cable. 2. 6 SAMPLING TECHNIQUETo study the Project, a Simple Random Sampling technique is used. 2. 7 SAMPLING PLAN The following factors will be taken into consideration within scope of sampling plan. 1 Sampling unit: It defines the target population that will be sampled i. e. it answers who is to be surveyed. In this study, the sampling unit is customers using internet banking. 1 Sampling size: It indicates the numbers of people to be surveyed. Though large samples give more reliable results than small sample but due to constraints of time and money, the sample size was restricted to 50 respondents. 2. 8 COLLECTION OF DATAAfter the research problem has been defined and the research design has been chalked out, the task of data collection begins. The data can be collected mainly through primary sources, but it was supplement with secondary data. * Primary data collection: Primary data is the data which is collected through observation or direct communication with the respondents in one form or another. These are several methods for primary data collection like Observation Method, Interview Method, through schedules, through questionnaires and so on. * Secondary data collection methods: Secondary data is collected through Internet. Internet We also take into consideration the internet facility with which we  collect lot  of  latest information. * Journal and publications of different banks We also take into consideration the journals and publications issued by the bank  at different times. We  comes to know about the Branches, ATM, locations and other useful information. 2. 9 LIMITATION OF RESEARCH Every research has its own constraints which keep limitation to work similarly this research has also limitation due to which the researcher could not get detailed information regarding project. These are: – Though full efforts have been made but due to the lack of past experience in the marketing field I failed some areas have been left from includi ng in the study †¢ Due to the limitation of time I was unable to cover more sample (data collection sheet) and to fridge the lead granted. CHAPTER 3 PROJECT INTRODUCTION 3. 1 PROJECT INTRODUCTION As a part of curriculum the students of MBA have to undergo Summer Internship Program (SIP). Wherein a student gets the knowledge about practical life, how the work is done in companies, how to get acquainted with working conditions and other many such things, etc. he main aim behind this program is that students get some experience with which he could get assistance while searching the job. This program is generally provided by a company and it lasts for at least two months. Students as per their specializations could apply for SIP and get the opportunity to work in a company, which the college suggests. As a management student I also have to undergo SIP. I got the opportunity to complete this program in AXIS BANK LTD. , for two months. Axis bank is one of the leading BANKS in banking sector in India. First of the two months was devoted to training.Our training started with the session of information about bank product and sale sand – what is the meaning of the concepts, importance of sales and marketing was taught. The second part was about open an account-why we open an account in bank, about the banking sector- as avenue for investment, how banking sector is Better Avenue for investment. The next session was about detailed knowledge about banking sector-how to sell these products in market. The last session was about the practical knowledge about how to get appointment of customers and how to convince them to take the product.In the second month we have sell the products directly in the market, procedure of selling the products etc. 3. 2 MEANING OF WHOLESALE BANKING OPERATIONS The Wholesale Banking contains products sold to large and middle market commercial companies, as well as to consumers on a whole sale basis. This includes lending, treasury manag ement, mutual funds, asset-based lending, commercial real estate, corporate and institutional trust services, and investment banking through Wells Fargo Securities. The company also owns Baring ton Associates, a middle market investment bank.Wells Fargo historically has avoided large corporate loans as stand-alone products, instead requiring that borrowers purchase other products along with loans which the bank sees as a loss leader. One area that is very profitable to Wells, however, is asset-based lending: lending to large companies using assets as collateral that are not normally used in other loans. This can be compared to subprime lending, but on a corporate level. The main brand name for this activity is â€Å"Wells Fargo Foothill,† and is regularly marketed into mb stone ads in the Wall Street Journal.Wells Fargo also owns East dil Secured, which is described as a â€Å"real estate investment bank† but is essentially one of the largest commercial real estate bro kers for very large transactions (such as the purchase and sale of large Class-A office buildings in central business districts throughout the United States). The wholesale banking operations consist of the following transactions: 1. Opening of Account 2. Issue of Check book 3. International Debit / Credit Card 4. Issue of Demand Draft (DD) 5. Net banking 6. E-mail statement 7. Phone banking 8. Insta Query 9. Insta Alert 10. Bill pay 11. Passbook 12.Quarterly Account Statement 13. Loan Facility. 3. 3 CONCEPT 3. 3. 1 SAVING ACCOUNT INFORMATION Definition: A deposit account at a bank or savings and loan which pays interest, but cannot be withdrawn by check writing. Types of Saving Account In Axis Banking 1. Zero Balance Savings Account At Axis Bank it has been constant endeavor to create products specifically catering to your needs. The account while offering a whole range of services also addresses your latent need of having an account without the hassle of maintaining an average qua rterly balance. Features: – 1. No Average Quarterly Balance requirement 2.Free International Debit Card with an Accidental Insurance cover up to Rs 2 lakhs* (charges for the primary holder are waived). 3. Free mobile banking facility 4. Access through more than 825 branches and more than 3595 ATMs 5. At-Par cheque facility with the clearing limit of Rs 50,000 6. 24Ãâ€"7 Tele banking & Internet banking. 7. Free quarterly statements8. Free monthly e-statement Conditions Apply:- 1. Initial funding of Rs. 5,500. 2. Account maintenance fee of Rs. 500 per annum 2. Krishi Savings Account (Kheti Ho Khushahali ki) Axis Bank offers a unique savings account which is easy to operate and allows you to transact immediately.This product has been specially designed keeping in mind the unique requirements of a farmer and true to its nature has been called the Krishi Savings Account. Some of the features of our new product are: Average Balance Requirement : This account is offered with the re quirement of maintaining the half-yearly average balance of Rs 1000only. International Master Debit Card: The Krishi Savings Account entitles you to an International Master Debit Card with which you can access your account anytime through the Axis Bank ATM network free of cost. This card comes with a cash withdrawal limit of Rs 25,000 per day.Free Accident Insurance cover of Rs 2 lacks. Anywhere Banking: Being a Krishi account holder, you are entitled to access our wide network of more than 825 branches and 3595 ATMs across 440 cities. You can now easily carry out your transactions through any of the branches or ATMs. At Par Cheque Book: Your Krishi Savings Account comes with the At-Par Cheque facility. This facility enables you to en cash the cheques as local instruments at any of the 440 centers where the Bank has its presence, at no extra cost. Moreover, you can also issue cheques at other centers upto the limit of Rs 50,000. Easy Access Savings Account (Banking made easy) * A â €“ Accessibility * C – Convenience * C – Comfort * E – Earnings * S – Speed * S – Service Want a savings account that transcends geographical boundaries? Presenting, Axis Bank's Easy Access Savings Account. The account is an endeavor by the Bank to understand the consumers' needs and redefine banking to suit your requirements for a truly comfortable banking experience. Easy Access Savings Account gives you instant access to your money anywhere, anytime. Possessing a range of unmatched features, it has been devised to better suit the convenience of our eclectic client base.You can avail of all these services with a minimum quarterly average balance of Rs. 5,000 in metro or urban centers, Rs. 2,500 in semi urban centers and Rs. 1,000in rural centers. †¢At-par cheque †¢ATM Network †¢Anywhere Banking †¢ Tele banking †¢ i Connect †¢Mobile Banking †¢Quarterly account statement †¢Quarterly interest @ 3. 5 % per annum †¢Free monthly e-statement. You can avail of all these services with a minimum quarterly average balance of Rs. 5,000 in metro or urban centers, Rs. 2,500 in semi urban centers and Rs. 1,000 in rural centers. Corporate Salary Account:Our Corporate Salary Power Offering is designed to offer pay roll solutions through in a 24 X 7 environment. We leverage on our extensive network of distribution channels spread across 450 centers through a network of more than 827 branches and 3595 ATMs besides our superior service delivery model and product features, as a strong differentiator, to provide value to the end user. Benefit to Employers: †¢Efficient salary disbursal. Web Upload – Transfer salaries/reimbursements directly from your current account with Axis Bank to your employee's accounts using I Connect from your office. Single-instruction salary credit – Same day salary credits for all companies having Corporate Account with Axis Bank. Dedicated relationship manager at metro locations to understand the financial requirements of your employees. Benefit to Employees: †¢No minimum balance criteria. †¢Unparalleled Access – Anywhere banking facility through our network of Branches, ATM and Internet banking facility. †¢AT Par cheque books payable locally at all Axis Bank locations. †¢International Debit cum ATM cards with enhanced Cash withdrawal facility and other value add ones. Online Banking with funds transfer, online shopping and bill payment options. †¢Depository services with free online trading accounts. †¢Meal Cards on a master card platform. †¢Employee Reimbursement accounts as a savings account variant. Preferential pricing on loan products and credit cards and other banking products ; services. 3. Prime Savings Account: Want a customized savings account to suit your specific financial requirements? At Axis Bank, we have always strived to pace our products with the growing needs of our cu stomers.The Prime Savings account has therefore been created with your specific financial requirements in mind. Through the ‘At Par' cheque facility, you have the unique advantage to en cash your cheques as a local cheque at more than 330 centers where the bank has a presence at no extra cost. In addition the account enables you to issue cheques up to Rs. 1 lakhs, which will be treated as ‘At Par' across these locations. You can avail of all these services with a minimum average balance of Rs 25,000 in metro/urban/semi-urban centers and Rs 10,000 in rural centers. 4.Smart Privilege Account: (For the woman of today) In today's busy world it's tough being a working woman. Right from shuttling between a job and family to taking care of her finances she has to be on her toes all the time. Keeping this in mind, we at Axis Bank have designed a savings account best suited for the woman of today. With the Smart Privilege Account, you can manage your money and your life and as we ll as enjoy a host of lifestyle privileges. Furthermore Axis Bank's Smart Privilege Account ensures that you have enough time for all the important things in life. Senior Privilege: (Because life begins at sixty) Are you seeking a banking style that compliments your senior status? Axis Bank's Senior Citizen Savings Account has been designed keeping in mind the fact that a senior citizen's banking requirements are wholly different and require special consideration. * Special Privilege: (A Privilege assures the care you deserve): We have introduced Senior Citizen ID card for our Senior Privilege patrons. Let us briefly introduce the wide range of advantages it hold for you. * Avail of Great benefits with Senior Citizen ID cardID card acts as an age proof. Enabling you to redeem every advantage that you are eligible for, this card will soon help you avail of certain never-before Senior-citizen benefits at various stores, service providers and installation across the nation. * Feel safe Every where Apart from provide you with the power to claim great benefits, card also act as emergency information medium. In case of emergencies, it provides the doctors and authorities with vital data like your blood group, allergies, illnesses, address and emergency contact details.This ensures that you are well looked after in any situation, no matter where you are. * Always a Privilege It will help in strengthen the bond with us and to be of assistance to you at all the times, no matter what your need be. Whether its loan, a savings account or any financial services that you wish to avail of, we will make sure that we're always be there by your side. * Power Salute (Salute to the defense forces) Are you looking for an account that fits with your life in the Defence Forces? Defense Salary Account from Axis Bank is a product designed keeping in mind how tough a life in the Defense Forces is.Not only does it come to you absolutely free, no minimum balance is required either. You c an also access the entire Axis Bank network, including more than 2300 ATMs and 550 branch offices (and growing) no matter where you are posted. With the complete gamut of banking services (including overdrafts, loans and zero-balance requirements) you can now rest assured about your family and all their financial needs. It sour way of showing our appreciation to your work. * Banking Privileges: At-par Cheque Facility * Your job involves constant transfers across the country.With the at-par cheque facility it will no longer be necessary to set up new bank accounts with each transfer. * Additional Debit Card * Along with a free International Debit Card, you also get a free card for the joint account holder. This means that your child or spouse also enjoy the same benefits of banking with Axis Bank. * Financial Advisory Services * Our solutions answer to the twin goals of meeting your requirements and to diversify and spread the risk of your investment portfolio, so you can look forwar d to a comfortable and worry-free life.We first understand your exact investment needs and then design the perfect investment plan for you. 5. Trust/NGO Savings Account: Thoughtful banking for people who spend their lives thinking of others Need special banking for special causes? Axis Banks Trust Account is an effort to offer thoughtful banking for people who spend their lives thinking of others. It is a complete banking solution for Trusts, Associations, Societies, Government Bodies, Section 25 companies and NGOs, so that the organizations can devote all of their time to their noble motivations. Features:- A savings account for your trust with a concessional average quarterly Balance a multi-city at-par cheque facility with no limit on clearing payments at centers across the country wherever we are present. Free anywhere banking across all our Branches and Extension Counters and over all our ATMs. Free Demand Drafts or Pay Orders as and when required by you to remit funds. Free co llection of cheques at outstations locations free monthly e-statement Monthly Statement of Account delivered at your doorstep.Facility for collecting donations in your account through our network of Branches and extension counters across the country, as well as through I Connect – our Internet Banking facility. Also, Axis Bank can offer the facility to donate funds to your Trust through our Internet Banking facility I Connect to its customers. An Axis Bank customer can donate any amount to your Trust through the Internet. In such cases, the savings account of the customer gets debited and the savings account of your Trust gets credited with the amount of donation at the same time.At the end of every month, the Bank will provide an MIS giving details of the amount of donations and the name of donor. This will enable the Trust to issue receipts to the donors. Free Internet Banking facility that enables you to view the status of your account, transfer funds and carry out a numbe r of banking activities from the comfort of your home or office. * Investment Advice * Our Financial Advisory Desk will provide portfolio management advice as well as help you undertake investments. * Free Demat To facilitate your investments, we offer a free Demat Account (charges due to NSDL must still be levied) to our esteemed account holders in the Trust or Society segment. * Foreign Contribution (Regulation) Act [FCRA] accounts * The FCRA account enables approved organizations to receive foreign contributions for utilization in their activities in India. The Bank will provide assistance in the process of documentation and obtaining necessary approvals from Ministry of Home Affairs at New Delhi. 3. 4 CURRENT ACCOUNT INFORMATION 3. 4. 1 CHANNEL ONE: (FOR SUCCESSFUL BUSINESSES)The ‘Channel One’ Current Account is an effort in that direction where we take care of your day to day banking requirements leaving you with more time for your business. Channel One Current Acc ount is most appropriate choice of successful businesses. At a monthly Average Balance (MAB ) of Rs. 10 lack. FEATURES: 1. Relationship Manager. 2. Doorstep Banking. 3. Anywhere Banking. 4. Free Internet Banking. 5. Free 24 hour Tele banking. 6. Mobile Banking Service. 7. International debit card. 8. Cheque Protection Facility. 9. Free 24 – hour cheque deposited facility. 10. Payment of Government Taxes/ Dues. 11. Foreign exchange services. . 4. 2 BUILDERS AND REAL ESTATE: Axis Bank understands the increasing demands on businesses in this segment . Here’s presenting the Axis Bank Builder ; Real Estate Current Account a current account with unparalleled product features built to suit Builders ; Realtors exclusively. This account offers you unmatched convenience while adding financial value to your businesses spread over geographies. . At a monthly Average Balance (MAB) of Rs. 5 Lacks this account comes loaded with special facilities and benefits, most appropriate for yo ur business. FEATURES: 1. Home Branch Cash Deposit. 2. Non – Home Branch Cash Withdrawal. . Free Anywhere Banking. 4. Cluster facility. 5. Zero Balance account for Vendors and Suppliers. 6. Franking Facility. 7. Customer cheque printing. 8. Internet Banking. 9. Free 24-hour Phone banking. 10. Mobile Alerts. 11. ATM cum Debit Card. 12. Free Monthly Account Statement. 3. 5 TRAINING IN WHOLESALE BANKING OPERATION 3. 5. 1 CORPORATES Corporate Banking reflects Axis Bank's strengths in providing our corporate clients in India, a wide array of commercial, transactional and electronic banking products. We achieve this through innovative product development and a well-integrated approach to relationship management. Funded Services: Working Capital Finance, Bill Discounting, Export Credit, Short Term Finance, Structured Finance, Term Lending. * Non Funded Services: Letter of Credit, Collection of Documents, Bank Guarantees. * Value Added Services: Syndication Services, Real Time Gross Settlement, Cash Management Services, Corporate Salary Accounts, Reimbursement Account, Bankers to Right/Public Issue, Forex Desk, Money Market Desk, Derivatives Desk, Employees Trusts, Cash Surplus Corporate, Tax Collection * Internet Banking: Supply Chain Management, Corporate Internet Banking, Payment Gateway Services. 3. . 2 SMALL AND MEDIUM ENTERPRISES: At Axis Bank we understand how much of hard work goes into establishing a successful SME. We also understand that your business is anything but â€Å"small† and as demanding as ever. And as your business expands and enters new territories and markets, you need to keep pace with the growing requests that come in, which may lead to purchasing new, or updating existing plant and equipment, or employing new staff to cope with the demand. That's why we at Axis Bank have assembled products, services, resources and expert advice to help ensure that your business excels.Solutions are designed to meet your varying needs. The follo wing links will help you identify your individual needs. * Funded Services: Funded Services from Axis Bank are meant to directly bolster the day-to-day working of a small and a medium business enterprise. From working capital finance to credit substitutes; from export credit to construction equipment loan – we cater to virtually every business requirement of an SME. Click on the services below that best define your needs * Non-Funded Services: Under Non-Funded services Axis Bank offers solutions that act as a catalyst to propel your business.Imagine a situation where you have a letter of credit and need finance against the same or you have a tender and you need to equip yourself with a guarantee in order to go ahead. This is exactly where we can help you so that you don't face any roadblocks when it comes to your business. The following are the services that will precisely tell you what we can do Business Accounts, Letters of Credit, Collection of Documents, Axis Bank Trade, Guarantees, Cash Management Services, Money Market Desk, Derivatives Desk, Services to Cash Surplus Corporate, Services to Employee Trusts, Bankers to Rights/Public Issue, Tax Collection. Specialized Services: Axis Bank is one of the most trusted entities when it comes to specialized services like selling of precious metals to customers. Under specialized services you can also avail customized control of your value chain through our internet banking platform. * Value Added Services: There is a plethora of services that we offer under value added services. There's corporate salary account which ensures smooth payment methods to your staff. You can avail an assortment of credit cards and debit cards from our merchant services. The following are the highlights of this service:Real Time Gross Settlement, Reimbursement Account, Custody Services, Corporate Salary Accounts, Merchant Services, Axis Bank Gold Business Credit Card. * Internet Banking: Internet banking is a revolutionary servi ce under the banking sector and Axis Bank is a forerunner in providing you with this service. We provide state-of-the-art payment gateway services to industries and companies in order to ease transaction processing. This in turn enhances the credibility of your business and makes banking extremely cost-efficient. 3. 5. 3 GOVERNMENT SECTOR:Axis Bank acts as an active medium between the government and the customers by means of various services. These services include : * Tax Collection Where in customers can directly pay their taxes like Direct taxes, Indirect taxes and Sales Tax collections at their local Axis Bank * E-Ticketing Helps the customer by providing him a direct access to book a Railway Ticket online and get it home delivered * Opening of L/C's is done by the bank on behalf of Government of India, Mints and Presses, thus facilitating imports for the Government. * Collection of levies and taxes on behalf of Municipal Corporations i. . Kalyan -Dombivli Municipal Corporation, is undertaken by the Bank. * Collection of stamp duty is done via franking mode in the states of Maharashtra & Gujarat. The Stamp Duty Franking Facility is available at following branches in Maharashtra Fort, Chembur, Lower Parel, Mira Road, Thane (Talao Pali), Panvel, Ratnagiri, Pune (FC Road), Kolhapur, Nagpur, Pimpri. The Stamp Duty Franking Facility is available at following branches in Gujarat Ahmedabad (Navrangpura), Kutch (Mundra), Baroda (Gotri Road), Surat (Ring Road), Bhavnagar & Vapi (GIDC). Disbursement of Pension to retired Employees of Central Govt and Defence is directly done by Axis Bank along with the disbursement of pension to the members of EPFO (Employees Provident Fund Organization) * Electronic Collection of fees on behalf of DGFT is done by the bank too * Ministry of Corporate Affairs Collection of ROC fees for the Ministry through authorized Branches and Net Banking. * Collection of Property Tax through Selected Branches on behalf of Municipal Corporation of Delhi CHAPTER 4 DATA ANALYSIS & INTERPRETATION 4. 1 Analysis of QuestionnaireThe study was conducted and primary data was collected through questionnaire method. For this purpose, 100 respondents of the TANDA city were approached of 100% in the branch has been shown below: Q1 Customer having accou

Radiotherapy – One World Essay

What are the Benefits and Drawbacks of Radiotherapy? Cancer is one of our planets most concerning illnesses at this time. It is the uncontrollable growth and forming of malignant tumours. In 2007, it was said to cause about 13% of all human deaths worldwide (Kleinsmith, Lewis J. M. D). Some cancers may be cured and this depends on certain variables such as the type of cancer, where the cancer is, and how early it has been detected. One method of treatment for cancer is Radiation therapy (Radiotherapy). This is the medical use of ionizing radiation to control or kill these malignant cells.However, there is doubt among society about the use of radiotherapy. This is mainly because some long-term side effects include the growth of scar tissue, infertility and damage to other areas of the body, depending on the location of the radiation treatment. Another major reason for doubting this treatment is because in some cases, people may also develop a secondary cancer as a result of exposure t o radiation. Therefore this is a global issue and in the following essay, the social and economic factors involved in this topic will be discussed. Radiation therapy is commonly applied to the cancerous tumor because of its ability to control cell growth. Ionizing radiation works by damaging the DNA of exposed tissue leading to cellular death. To spare normal tissues (such as skin or organs which radiation must pass through to treat the tumor), shaped radiation beams are aimed from several angles of exposure to intersect at the tumor, providing a much larger absorbed dose there than in the surrounding, healthy tissue. † (Cancer Research U. K. ). There are two main types of radiotherapy, internal and external.The one being discussed in this topic will be external radiotherapy because it is most related to the electromagnetic spectrum, while the other is based more on placing radioactive material inside patients. External radiotherapy uses radiation aimed at a cancer from a mach ine to destroy the cancer cells. The types of radiation used include high energy X-ray beams, cobalt irradiation or particle beams, such as protons or electrons. The most common types of external radiotherapy, use photon beams (either as x-rays or gamma rays).A machine called a linear accelerator focuses high-energy X-rays or other high-energy beams (gamma rays) at the cancer. It is concentrated so that the radiation destroys the cancer cells and not the healthy cells around them. Although, healthy cells may be damaged, the cancer cells will take most of the damage and the healthy cells should be strong enough to repair themselves afterwards. â€Å"The linear accelerator uses microwave technology (similar to that used for radar) to accelerate electrons in a part of the accelerator called the â€Å"wave guide,† then allows these electrons to collide with a heavy metal target.As a result of the collisions, high-energy x-rays are produced from the target. These high energy x-ra ys are shaped as they exit the machine to conform to the shape of the patient's tumor and the customized beam is directed to the patient's tumor. The beam may be shaped either by blocks that are placed in the head of the machine or by a multi-leaf collimator that is incorporated into the head of the machine. The patient lies on a moveable treatment couch and lasers are used to make sure the patient is in the proper position.The treatment couch can move in many directions including up, down, right, left, in and out. The beam comes out of a part of the accelerator called a gantry, which can be rotated around the patient. Radiation can be delivered to the tumor from any angle by rotating the gantry and moving the treatment couch. † (Radiological Society of North America, Inc. ) There are numerous advantages to having radiotherapy in comparison to other treatments to cancer. Using linear accelerators is more efficient than using ring-type accelerators. This is because; linear acce lerators can generate and maintain stronger light rays.This is crucial so that the cancer can be completely destroyed and so that the blasts are concentrated enough to not overly damage the healthy cells surrounding the cancerous ones. The other main advantage of using radiotherapy over other cancer treatments is because it is a focused treatment. Other treatments such as chemotherapy affect the entire body. Therefore, radiotherapy has fewer adverse effects on the rest of the body compared to other treatments. Radiotherapy also has several disadvantages and limitations. Firstly, this treatment can only be used if the cancer has been diagnosed at an early stage.Once the cancer has spread over several areas, this treatment cannot be used. Also, the linear accelerators require large power supplies, increasing the construction and maintenance expense of the machines. Radiation therapy delivers cancer-killing doses of radiation at the tumor site, the National Cancer Institute explains, b ut doesn't travel throughout the body to destroy cancer cells that have spread as chemotherapy treatment can do. Therefore, radiotherapy cannot be used after the cancer has spread to a certain degree. As mentioned, some people may also develop a secondary cancer as a result of exposure to radiation.There are numerous social factors that question the use of radiotherapy to treat cancer. A major social concern is developing secondary cancer as a result to the treatment. Though possible, this is a very rare situation. Developing a secondary cancer is more likely when being treated with chemotherapy or sometimes internal radiotherapy. Unfortunately, many are unaware of these facts and therefore they refuse to take these treatments. However, this therapy (along with chemotherapy) has been a revolutionary breakthrough in medicine.Radiotherapy, as mentioned before, would act as an alternative to chemotherapy for patients who have been diagnosed with a cancer in its early stages. Referring to one of the main advantages, this is a very beneficial treatment as it limits exposure to radioactivity, and out of the different treatments, it has the least probability of causing a secondary cancer. Also, because of its accuracy, we have been able to completely irradiate cancerous cells while barley harming the surrounding ones. There are also several economic factors that account to us using radiotherapy.Firstly, there are major costs for the maintenance of machines such as the linear accelerator, which is crucial for radiotherapy. Because of these expenses, not all hospitals have these equipment and also not many patients can afford to get this treatment. This too is a major limitation of using radiotherapy. However, these machines also benefit the economy as it provides better healthcare (In those hospitals and for patients who can afford it), it also creates more jobs. This is because there must be technicians to fix these machines whenever they are broken, and as said befo re, they are very high maintenance.For that reason, there must be regular check-ups on how the systems are running. Especially when considering these machines if run improperly, and at an overdose, can cause cancer. Therefore, this opens more job opportunities. Referring back to the availability of resources such as radiotherapy much depend on location. Unfortunately, people in Ghana do not have the same access to treatments such as radiotherapy to those in the Netherlands. This is mainly to do with the two countries different economical stand points. Most resident of MEDC’s have the chance of receiving such treatments, while many others do not.Also, seeing as how cancer is a growing problem which caused 13% deaths worldwide in 2007, it is clear that radiotherapy is a viable treatment which should be considered over the globe, so that other people have accessibility to these treatments. This will not only save more lives in the future, but also increase economy due to the rea sons stated previously. Throughout this essay, radiotherapy has been discussed. Radiotherapy is a treatment for cancer, by which powerful x-rays are blasted into cancerous tumors, to destroy them, eliminating the cancer.Though presented with possible side-effects, as well as being expensive, radiotherapy is a viable choice for a treatment to an early caught cancer. This is an example of how science (using x-rays) and technology (creating equipment such as linear accelerators) can work together to create a possible solution for globe issues such as cancer. Two factors affecting the use of radiotherapy has also been discussed, and in conclusion, one can say that radiotherapy is not without limitation; however it can be considered one of the best treatments for early caught cancer.Bibliography * â€Å"About External Radiotherapy. † : Cancer Research UK : CancerHelp UK. Cancer Research UK, n. d. Web. 12 Nov. 2012. ;http://www. cancerresearchuk. org/cancer-help/about-cancer/treatm ent/radiotherapy/external/about-external-radiotherapy;. * â€Å"Advantages & Disadvantages of Radiation Therapy. † LIVESTRONG. COM. LIVESTRONG, n. d. Web. 12 Nov. 2012. ;http://www. livestrong. com/article/513783-advantages-disadvantages-of-

Forum posting Essay Example | Topics and Well Written Essays - 250 words

Forum posting - Essay Example In such a scenario, the Japanese may walk out of the negotiations because he feels the American counterpart has no manners. This might end up jeopardizing the negotiations, and this can greatly affect business and the relations between two businesses or companies. In order to avoid such cases, it is important for one to consider the choice of words when communicating with people from other cultures. Whereas some words may be in common use in some parts of the world, the same words may have a different meaning to other people. It is necessary for one to avoid using controversial words or phrases that may be misunderstood. Secondly, it is important for people to take time and familiarize themselves with the common linguistic limitations of people from other cultures. This can be achieved through experience by interacting with persons from this culture. Thirdly, the above situation can be avoided by giving more detail or explanation. For example, in the above scenario, the American needs to explain to his Japanese counterpart what he really means. This helps remove any doubts or suspicions on the side of the other

Case Study in Systems and Operations Management - Otakowa Essay

Case Study in Systems and Operations Management - Otakowa - Essay Example III. Research and Analysis†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. 1. Research proposal†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 2. Analysis of Existing Systems and Activities†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. a. Organizational Arrangement scrutiny†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ b. Data Systems Analysis†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. c. Activities analysis†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã ¢â‚¬ ¦. IV. Conclusion and Recommendations†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. V. References†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. I. Executive Summary According to the customer report of Atokowa Advantage Co. Ltd., there is a reported and documented noteworthy drop in corporate productivity over the past consecutive half decade. Along with this is the noteworthy decrement in market share and control from a globally prevailing spot of 35% to insignificant 16% within similar time fame under monitoring. The main aim of this report is to test the systems technology and the operational procedures of Atokowa Company Limited so as to assess its productivity to the general corporate aim of productivity and development. Particularly, it suggests means by which the organization could adopt in order to advance the value of administration and executive management. Additionally, the provision of probability within these marketplaces for its stationary business, the study also gave a novel market position within these markets for sorted out stationary. The markets simply required the basic stationary (Meyler, Fuller, Joyner & Dominey, A. 2008, p. 11). Nevertheless they also demonstrated a wish for more sorted out and expansion within these commodities. It is usually upon a similar wish that Carik enterprises was founded to handle specifically with stationary aimed for the learning institutions. Atokowa Company Limited was established originally two decades ago as Carik enterprises, a subordinate of an Australian corporation known as Dungles Ltd. The organization was originally formed to tap into a developing section off the parent’s organization’s gain dealings. The management of Dungles Ltd. had a mission of developing their business markets within the region and likely into other external markets like the United States, Eastern Europe States similar to Germany and Russia and China were going through a population explosion (Burstein & Holsapple, 2008, p. 369). The organization worked under the identity of Carik enterprises for more than 6 years until it was taken over in 1988 by another American-oriented stationary firm known as Cereomacx enterprises. The organization worked under the new Cereomax title for a year until the second annual overall limited name an Atokowa Company Limited. This is mainly because of the organization’s wish to tap developing and extremely profitable Asian Market (Blanchard, 2007, p. 77). The mission of the organization appears to have hit a thump and as such the company wishes for a convincing fix that will reverse the inclination context back onto the track of productivity and development (Hill, 2011, p. 34). The report scrutinizes the roles of hu man resource in staffing, inventory control, technology adoption and utilization and in novel commodity and novelty. In this regard, the report analysis utilizes

Human Resource Case Studies Essay Example | Topics and Well Written Essays - 750 words - 2

Human Resource Case Studies - Essay Example The precise relationship between job perception and job satisfaction (indeed, the very direction of the relationship) is not altogether clear, although there is clear evidence of a linkage. The weakness of decentralized training is lack of unified approach to training (each store and supervisor teach different skills). In future, the employee will have to retrain applying to a new job or a new fast food company. Small companies can provide employees who are parents or have working spouses with flexible working hours and job sharing. As for working schedules, the indications are sparse, but they do suggest that rotating shifts can have deleterious effects on employees and that a flexible time schedule is more likely to improve satisfaction (or outcomes associated with satisfaction) than job performance. Good effects, along with some counterbalancing adverse effects, from the use of flexible have been reported in regard to recruitment and retention, work readiness, overtime, time off, and skill-broadening. Productivity improvement has been reported when flexible provided for more efficient utilization of scarce resources by employees. Work schedules can have a negative impact on quality of family life in the case of nonstandard work days, shift work, and long hours. The claims made by the union are objective and important for employees. Any company has a right to interrogate employees concerning their union activities, or threat employees to disclosure identities of other union members. The claims made by the union shows that there is dissatisfaction which could be handled by both unions and employers through the mechanism of union-voices, and the second is dissatisfaction which could not be handled by them, and which would thus lead workers to eave the firm eventually. The problem is that the union members and employees do not inform the company management about telephone calls and communication inside the

Therapeutic Nursing Interventions Research Paper

Therapeutic Nursing Interventions - Research Paper Example Nursing is a field that involves dealing with a large number of people and thus, communication is a key factor at work. However, it is through communication that the nurses get into conflicts with one another and with the patients (Morrell-Stinson, Abraham,  & Bolliger, 2012). Statement of the Problem The clinical problem here is conflict among the nurses and with the patients. While working, nurses tend to disagree about many things concerning work. In my environment nurses engage in issues such as stubbornness, failure to adhere to the right clinical ethics, and failure to follow the set rules and regulations. Therefore, this raises conflicts since the head officers will not agree to some of the behaviors displayed (Morrell-Stinson et al., 2012). The work environment also contributes to conflicts among nurses. For instance, in an environment where the laboratory equipment is few, nurses may get into a conflict over the use of such instruments. However, this will also depend to th e way in which the environment is organized. In an environment where duties are not well allocated to the nurses, the conflicts are bound to increase (Bjork,  1995). Since nurses are always working together, differences in personalities also contribute to conflicts. Each nurse has his or her own personality, which may be different from that of another nurse. This way, disagreements may be on the increase if two different personalities cross paths. In my environment, the issue of poor qualifications also contributes to conflicts both among the nurses and with the patients (Bjork,  1995). Conflicts with the patients occur when patients feel that the nurse does possess efficient skills in the field. On the other hand, conflicts with other nurses arise when a nurse performs a particular duty in the wrong manner. Therefore, the problem of conflicts in the nursing field can be faced in different ways. This is a clinical problem in my environment because many nurses have performed poor ly at work due to the issue of conflicts with their colleagues and patients. In addition, conflicts with patients have also caused loss of lives of many patients. This can be mainly explained by the fact that conflict resolution methods in my environment are very poor (Stanton,  2012). The reason why I chose to investigate this problem is because the issue has become a key subject of discussion since it is causing many losses among nurses and patients. For instance, conflicts have caused many nurses to lose their jobs and even their licenses. On the other hand, patients have also died due to chaos among the nurses in clinics. Therefore, this is an issue that needs immediate attention before it causes more losses. Increasing conflicts can also be attributed to the increasing diversity among people. For example, in the United States, clinical facilities are composed of nurses from different races and cultures. Therefore, the workplace consists of people with different cultural value s and thus, they have to learn how to tolerate one another’s values in order to stay in harmony. Current Clinical Practice In the current clinical setting, diversity is the key cause of conflicts and thus, nurses have to find a way of accepting and appreciating one another. The key mechanisms used in the current clinical setting include application of policies and regulations that should be followed at the workplace. However, in most cases these regulations do not

Child Care Research Paper Example | Topics and Well Written Essays - 4500 words

Child Care - Research Paper Example In such a way, understanding the importance of a manager’s role and the means by which he/she can impact upon the stakeholders in the workforce is an issue of the utmost importance if a further degree of utility is to be expected from a domestic workforce. Luckily, the past several years has noted a dramatic increase with respect to the overall level of scholarship with regards to this particular topic. Special attention has always been on the effect of culture on the interactions between employees and the employer (Adler and Zhu, 2005). Nevertheless, gaps remain on the reasons of the disparities as observed in the relationships between the employee and the employer. This research therefore undertakes an intensive review of the available literature concerning the topic and the finding from the other studies in explaining the motivation of diverse employees within the realm of child-care and/or early education. It is worth noting that manager of a diverse workforce also finds t heir task defined with regards offering training to the employees for the skills and expertise already acquired while previously working. High task readiness implies that the staff are well prepared to attend to tasks as assigned through acquired skills and knowledge while a low task readiness imply that they lack the necessary skills to handle the tasks assigned. It is the hope of this author that such a unit of analysis will be useful in helping the reader to come to a more profound understanding with regards to the approach, best practices, and motivational theories that should be engaged/utilized as a function of seeking to leverage further integration between functional expertise and work flexibility. Introduction One might be tempted to assume that the impact that a given manager may have with regards to the motivation of employees at the local level of education might be rather small. However, this is the opposite of what can be observed. Due to the fact that the cultural dis similarity, that is so oftentimes represented, is primarily impacted upon by the norms and mores of culture that are created as a process of maturity and development in a particular society; this has been deemed by many researchers, including this analysis, to be of the highest importance in helping to constrain and define the term. Although it is true that a host of factors impact upon the level and extent to which individuals within positions of leadership can interact with those under their purview, it is the factor of employee motivation that is of the most specific interest to this particular analysis. Moreover, due to the fact that the topic in and of itself is extraordinarily broad, the research will attempt to approach it from the perspective the way in which work flexibility and the appreciations surrounding diversity can be applied to the many different theories of motivation; theories that have thus far helped to define the way in which managers and leaders integrate with their respective stakeholders within any firm, organization, or institution. Literature review Most opinions are

Gender and Sex roles Essay Example | Topics and Well Written Essays - 1500 words

Gender and Sex roles - Essay Example Eunuchs have had a hugely varied life with some of them being constrained to lead a life of hugely ridiculed servants while some others having the good luck of rising to the pinnacle of society in the form of military generals and highly respected court eunuchs. The book by Kathryn Ringrose presents an in-depth study of eunuchs as they were perceived in Byzantine culture that held sway for nearly a thousand years ‘†¦the founding of Constantinople in 324 to its capture by the Turks in 1453’ (p. 3). Most refreshingly, the author has not followed the standard historical procedure of adopting a chronological approach. Rather she has traced the condition of eunuchs through the entire period with special reference to all those that could achieve social status and glory. Another interesting feature of this book is that the author also clearly describes how the medical definitions and legal perspectives about eunuchs kept varying from one century to the other during the ent ire period of Byzantine civilization. The theoretical issues on gender construction in Byzantine Empire through the entire one thousand years have been discussed in great detail. These issues and discussions found their way into medical treatises, ecclesiastical tomes and hagiographies penned during that period. While clarifying that castration was never removal of penis but surgical removal of testicles, the author concludes that castration never robbed a man of his outward symbol of masculinity but prevented a man from procreation. Hence, the term eunuch often referred to a man who has never procreated (p. 14f). The church, therefore, often referred to a celibate monk as a eunuch, one who has not undergone surgical castration but spiritual castration in the sense that he has become devoid of any desire to procreate as his entire attention has been focused on Jesus Christ and God. In a sense such an explanation or understanding of the term eunuch possibly clarified to many the real meaning of what Jesus had hinted at when he said that some people convert themselves into eunuchs for greater glory of the kingdom of Heaven. However, there was a strict separation between those who could not procreate as they were biologically incapable to do so and those that opted not to procreate as a matter of choice. However, around eighth century, eunuchs began to be more readily accepted in higher echelons of society and this spilled over into religious domain too when churches began to allow eunuchs to occupy ‘†¦prominent religious positions’ (p. 118) with Germanos being one of the most famous eunuchs that went on to occupy very high position in the theological hierarchy. While the first part of the book deals with theoretical and conceptual issues of gender construction in Byzantine society the second deals with historical details of eunuchs who rose to occupy prominent social positions either as ministers or military generals. Ringrose has been very cle ar on two points: first is eunuchs within Byzantine kingdom formed a distinct ‘†¦third gender’ (p. 4), and, second is there is an inherent difficulty in accurately describing the lives of eunuchs as most of these accounts have been written by eunuchs themselves. 2. Sturges, Robert S. 2000. Chaucer's Pardoner and Gender Theory: Bodies of Discourse. NewYork: St. Martin's. $45.00 hc.

While Dunning's OLI model provides a general paradigm for Essay

While Dunning's OLI model provides a general paradigm for expelling the determinants of FDI, its use in designing an international corporate strategy is limited and requires more models for the task - Essay Example meanwhile, Douma and Schreuder (2012) noted that as far foreign direct investment (FDI) is the approach to internationalisation a company seeks, the eclectic paradigm, also known as the OLI (ownership, location, internalisation) model developed by John Dunning is one important framework that provides general paradigm for knowing the determinants of the FDI. In this paper, the strengths of the OLI model to the study of FDI are appreciated whiles examining the limitations of the model in designing an international corporate strategy for firms. By extension, the paper takes a stance that it is one thing to be engaged in internationalisation and another to have an international corporate strategy. This is because the latter is wider and covers several aspects of corporate growth and expansion management than the former (Li, Ferreira & Serra, 2009). There are several ways that the OLI model helps in influencing the study of FDI. On the whole, the model helps firms to make decision on becoming multinational by understanding the potential sources of advantages they have that could make them successful. The model is important in providing firms with an understanding of their ownership advantages, where the question of firm-specific qualities of the firm is addressed (Antras & Elhanan, 2004). Because the firm-specific advantages are tied around the company’s unique approach to doing business, it helps firms to identify their competitive advantage which allows them to overcome the cost of operating in international markets (Peng, 2001). Without applying the OLI model and for that matter ownership advantage therefore, it becomes difficult for firms to identify their competitive advantage with which they will become preferred options for consumers instead of their competitors. Secondly, the OLI model is relevant in helping firms identify location advantages, where the firms answer questions on the best places to choose for internationalisation (Neary, 2007). In

Personality Analysis Essay Example for Free

Personality Analysis Essay Most people understand personality as the image that people display and project to the outside world. However, personality is more than this and includes even the psychological experience that is hidden inside us (Ewen, 2003). The word personality is a derivative of a Latin word-‘persona’ who’s meaning is ‘mask’ (Ewen, 2003). Personality analysis can therefore be referred to as the comprehensive investigation of all the aspects relating to personality. For many years people have tried to explain behavior as well as what it is that makes a person. In an attempt to offer explanations, personality theories have been advanced some of which are the existential/humanistic and dispositional theories. Just like many other theories, these personality theories are fallible and they cannot be proved. These theories have their similarities as well as their differences. Dispositional theories of personality try to explain personality using innate tendencies. These are the tendencies that individuals are born with and they can be hereditary or not. Dispositional theorists believe that genes play a big part in determining one’s personality. Words and phrases are mostly used to reflect this theory (Weiten, 2010). For example when one says that someone is kind-hearted. These theories are also known as trait theories and trait theorists’ assumption is that physique does not determine behavior but that the stable personality traits are the ones that determine behavior. Personality traits are described as stable qualities that one displays in all the situations. These theories were advanced in reaction to a personality theory known as type personality theory which linked human physique to certain temperaments or personality characteristics. Several people are associated with the development of trait theories and examples include Gordon Allport, Lewis Goldberg, and Hans Eysenck but the person who originally introduced the trait theories was known as Carl Jung (Nicholas, 2008). Carl Jung is the one who introduced the idea of temperaments and his theory purported that one is either born an introvert or an extrovert and that this cannot be changed. Gordon Allport described personality as a combination of both mental and physical personality aspects (Nicholas, 2008). He described personality as a dynamic organisation meaning that the aspects of personality keep on changing throughout an individual’s life in response to situations (Nicholas, 2008). These personality changes occur only to a certain degree and the personality remains relatively stable over time. Allport’s trait theory also portrays personality as naturally deterministic. This means that behavior, personality and thought are influenced and controlled by a mechanism that is inborn. In development of his theory, Allport categorized all the words contained in the dictionary that describe personality traits into central traits, cardinal traits and secondary traits (Nicholas, 2008). The cardinal traits are those that dominate in the whole life of an individual. People who exhibit these traits are rare and people tend to associate these people with these traits. Central traits on the other hand are less dominating compared to cardinal traits. They are the characteristics that constitute the foundation of an individual’s personality and are commonly used by people to describe others. For instance when one says that someone else is intelligent they are describing those people using the central traits. The last personality characteristics are secondary traits. These are the traits that manifest depending on situation and are sometimes related to preferences or attitudes (Ewen, 1998). Lewis Goldberg and Costa McCrae among others expanded the theory of Fiske D. and this led to development of the big five model. The personality traits attributed to this theory are classified under five categories. One is extraversion where some people are social and outgoing. The second one is conscientiousness where individuals display high levels of organization and thoughtfulness (Oliver, Robins Pervin, 2008). The third is openness where individuals display insight and imagination. The fourth category is agreeableness where individuals are trustworthy, kind, and affectionate. The last one is neuroticism where individuals with this trait tend to be anxious, sad, moody and emotionally unstable (Oliver et al. , 2008). Based on this theory, individuals who have traits such as extraversion and agreeableness will get along well with people while people with neuroticism traits will not get along with people. Hans Eysenck built on Jung’s idea by approaching the idea of temperaments from a mathematical point of view. Since his theory is built on the work of Jung, then this theory also assumes that a part of personality is genetically determined. Jung said that though it was impossible for an introvert to change to an introvert, depending on the situation one can modify their behavior (Boeree, 2009). He created a test that was used to determine people’s traits. Based on his theory there are several personality characteristics. One of these is introversion and extraversion where extroverts are outgoing and introverts are reserved. The other personality trait is emotional stability/neuroticism where individuals with a high level of neuroticism exhibit nervousness and emotional instability (Boeree, 2009). The last personality trait is psychoticism where people find it hard to deal with the reality (Boeree, 2009). These personality traits determine how individuals interact with others. People who are extraverts tend to get along well with people as they are outgoing while introverts are not social and may be viewed as unfriendly. Another thing is that people with psychoticism do not relate well with people as they tend to be hostile and manipulative. Humanistic personality theories approach to personality is phenomenological. This phenomenological approach focuses on the subjective experiences of individuals. The leading theorists associated with humanistic theories are Abraham Maslow and Carl Rogers. These theories are known as humanistic because their emphasis is on the unique characteristics of people. According to these theories, all people have an inborn tendency to become self-actualised and that self actualization serves as the main force that drives behavior (Mitterer Coon, 2008). This self-actualisation is an ongoing process where one naturally grows towards fulfilling their potential. Humanistic theorists acknowledge the uniqueness of personalities as people’s perceptions of the world are unique to them. These perceptions are reflected in the way people behave. According to these theorists, people’s perceptions are not determined by their personality traits, their reinforcement history, or their ego development (Mitterer Coon, 2008). They further say that by nature people are good. Carl Rogers’s humanistic personality theory portrays personality as being composed of structural components. These components include self, self-regard, self-ideal, and self-concept (Mitterer Coon, 2008). Of these components, Rogers says that the main component is self and it consists of concepts, ideas, perceptions, and values that define an individual (Mitterer Coon, 2008). According to him, a person’s behavior and perception of the world is influenced by their self-concept. In addition, he says that in addition to self-concept every individual has an ideal self and that happiness and fulfillment are increased if the ideal self is closer to the self concept (Mitterer Coon, 2008). He further says that a phenomenal field is composed of both an individual and their world and that reaction to the world involves the individual as a whole and not merely parts of the individual (Mitterer Coon, 2008). Maslow’s humanistic personality theory is similar to that of Rogers. Maslow just like Rogers believed that individuals have a tendency to grow towards self-actualisation. In addition, just like Rogers’s theory Maslow’s theory views individuals as beings whose approach to current issues and perceptions is subjective (Engler, 2008). According to Maslow there are several characteristics associated with people who have gained self-actualisation. One of these is awareness meaning that these people are very much aware of the meaningfulness of life and that due to this they are usually constantly enjoying life. The other characteristic is that they are reality centered and this means that they are usually concerned with issues in their environment. Acceptance is the other characteristic and it means that these people accept their environment as well as what cannot be changed. Lastly these people exhibit a sense of humor that is not hostile meaning that they do not joke about others as they consider this offensive (Engler, 2008). All the above theories in one way or another attempt to give an explanation of human behavior. They all acknowledge that personality characteristics affect the way people behave in different situations. It is the differences in personalities that make people to react differently to the same situation. Each theory has a number of personality characteristics which are attributed to them and these determines how individuals interact with others so that some people tend to get along well with people while others do not. References Boeree, G. (2009). Trait theories of personality. Retrieved 1 May, 2010 from http://webspace. ship. edu/cgboer/genpsytraits. html Engler, B. (2008). Personality theories (8th ed. ). USA: Cengage Learning. Ewen, R. B. (1998). Personality, a topical approach: Theories, research, major controversies and emerging findings. New Jersey: Lawrence Eribaum Associates, Inc. Ewen, R. B. (2003). An introduction to theories of personality. New Jersey: Lawrence Eribaum Associates, Inc. Mitterer, J. O. Coon, D. (2008). 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