Autism Awareness

Autism Awareness Angi Reid Sisk ESE Instructor Pillar October 24, 2011 Autism Awareness Autism is a disability that affects thousands of children today. The causes are yet to be known but there are many theories floating around as to how children develop this disorder. More importantly than how they have gotten the diagnosis, is what can be done do to help them thrive in their educational environment. Many of these children are staring school and are faced with an entirely new set of challenges other than adjusting to life in a home setting.There are many common characteristics that children with autism exhibit; educators must be aware of these traits and understand the best way to deal with them and other needs required by the students due to this disability. It is vital to be knowledgeable in the best teaching strategies and have access to support services and aids available to give children with this disorder the tools needed to achieve success along with their non-disabled peers. Autism has six distinct characteristics that involve students with the disability, (Turnbull and Wehmeyer, 2009).Several characteristics accompany students with autism that can drastically impact their progression in a general classroom environment. One common characteristic that children on the autism spectrum face is difficulty with speech. Children with autism are likely to develop speech more slowly than other children. In some children they may never start talking and with others they could develop speech and then lose it suddenly or over a period of time. Students with autism may experience the lack of social language skills; they can also exhibit lack of eye contact and unusual facial expressions.These deficiencies are not done intentionally, but because students with autism have an inability to communicate on the same level as their other peers, (Brittish Columbia; Ministry of Education, 2000). For the students who have developed speech it can differ in other ways such as o dd pitch tones or repetitive speech patterns. In the past studies were done and showed that only about fifty percent of individuals with autism would acquire full use of complete accomplished speech, (Turnbull and Wehmeyer, 2009).Today those statistics have drastically increased and show that with appropriate therapy including help from speech pathologists and other trained educators; the number of individuals that increase effective speech has grown to eighty five to ninety percent especially with early intervention. Speech therapists can help children with severe language impairments develop great communication skills and give them the needed skills to better communicate with their peers, (Powers, 2000). Social development is another common characteristic that students with autism share.Many find this characteristic to be the most alarming trait that children with autism share. Social interaction between autistic students and their classmates and teacher can be extremely difficult . This often occurs because these students may not have the ability to socialize well with others and could also exhibit other attributes like poor eye contact and can be resistive to comforting from others including their parents. Autistic students have difficulty understanding the feelings of others and how to distinguish that those feelings are separate from their own.They also have a hard time being empathetic and understanding the needs of their classmates and instructors, (Turnbull and Wehmeyer, 2009). Commonly children with autism can have a hard time establishing relationships in school settings because they tend to interact with others awkwardly and in a rigid manner, British Colombia: Ministry of Education, 2000). Most children with autism do not begin exhibiting the strong lack in social interaction until around the age of two years, (Powers, 2000).The progression that children make socially depends widely on their cognitive development; children who are less cognitively impaired ten to react better in social situations. Repetitive or stereotypical behavior is very common and can range from motor movements to repeated verbalizations. Autistic children can have very powerful interests and preferences that may be quite different from other students in their classroom. Sometimes distress can be caused accidentally by disrupting a student’s routine, (Powers, 2000).Unfortunately these behaviors can have a large impact on students learning process and the way that they handle themselves in a classroom. Situations or happenings that can seem insignificant to us can throw them completely off and impede their quality of learning. One reason for this is because students with autism can be insistent with routines being the same and can have obsessions with certain objects or belongings, (Turnbull and Wehmeyer, 2009). On many occasions autistic students will have a hard time with transition from their house to the school environment because of the urgenc y for the structured routine that they thrive on at home.This characteristic can display stereotyped behaviors such as lining up toys or objects or repetitive flapping of their bodies or toys. Students with autism also have challenges with sensory and movement behavior. Children with these issues can react very differently to their peers and various situations in the classroom. Children facing sensory problems may not respond the same to environmental stimuli. They may not have a reaction to something that is hot in the same way that a child without sensory problems would react.On the other hand they could over respond to the stimulant, (Autism Society of North Carolina, 2009). This characteristic could also cause students to exhibit hypersensitivity to light or certain taste, smells, or how objects feel, (Turnbull and Wehmeyer, 2009). Sensory issues can cause problems with intervention and teachers should always be aware of the risks that therapy can bring to students due to sensor y differences, (Volkmar and Weisner, 2009). Environmental stimuli can be very disturbing and even painful at time for children with autism.This can apply to limited types of sensory input or all forms of it; this can be caused by a disorder with the child’s sensory processing, An individual’s tactile system which includes the skin and brain allows a person to perceive and respond in the right manner to experiences in the environment, for example staying away from fire or snuggling up with pleasure in a cozy throw blanket. When autistic students have problems or disturbances in their tactile systems they may do the opposite. They may withdraw from trying to be comforted or from affection; this is called tactile defensive.These responses are a result of a tactile misconception and can lead to other behavioral problems. (British Colombia: Ministry of Education, 2000). Problem behaviors is a commonly shared by autistic children. This can be aggression toward oneself or oth ers. This happens more often when the student is frustrated or in a situation that cause over stimulation or confusion, (Autism Society of North Carolina, 2009). This can cause major disturbances in a classroom setting if the student shows violence toward the teacher or their other classmates. Even if he child is not aggressive toward others, there is the worry of them hurting themselves by biting, scratching, and in more severe cases head banging. Teachers can help to control these situations by modeling the appropriate behavior and helping the students with the right way to handle stress and positive reinforcers, (Turnbull and Wehmeyer, 2009). Student with autism that are entering the schools system have many needs and all of these factors should be taken into consideration for the optimal success of any child with a disability in a general curriculum classroom.One important need for a student is their physical space and how it is cohesive to their comfort ability. The environment where a child with autism learns is extremely important because students on the spectrum have a hard time regulating their focus and attention especially in complex classroom settings, (Volkmar and Weisner, 2009). The nature of the environment of a child’s classroom when faced with a disability can either help them progress or encumber their educational experience.It is important that the class be appealing for all of the students attending but equally as important that it not be distracting for a student with autism. Organization of the room is key in getting the child to engage with his or her peers and to do this in a manner that is comfortable to them. There should be a special place for the student to remove themselves if needed that has a serene and calming meaning it should be free from clutter and other things that could over stimulate. Obvious distractions such as computer screens should be kept out of eye sight so the focus can remain on the teacher.Predictability is also an important need to address with students with autism. A good way to address these needs is by having set routines where the student knows what to expect next. The teacher could use bells or timers to help the student know when to transition or to signal other daily reminders. Making transitions and moving from one exercise to another can be difficult and cause stress to the student which can be eased by incorporating simple techniques into the classroom which give the student a sense of security.Students with disabilities have a need for more one on one interaction in the classroom because they have hard time processing information as quickly as the other students. This need can be addressed by having a well trained para-professional that can help the student complete school work and other tasks assigned during the day. An aid can help the students to make the right decisions for positive behavior and can provide overall assistance in areas of need. Positive reinforcement is greatly needed on a daily basis and can be very encouraging to student with a disability.Focusing on the students strengths are a great way to motivate and help them excel in other areas. Collaborating with families is a good way to see what kind of methods work at home and then try to incorporate them into the classroom. Encouraging the student to participate in all of the activities along with the rest of their classmates will show that you believe in them and expect the best from them. A huge need for children with autism is help with social interaction. It is not that they do not want to make friend, it is that they do not possess the skills to know how.It is not an easy task to influence a child with autism’s social development. Social settings can cause distress so they need to be handled correctly and it helps to limit their social experiences to shorter time limits so that the experience does not become unpleasant, (Powers, 2000). When children have a good relation ship with their teacher they are shown to have better relationships with their peers, (Turnbull and Wehmeyer, 2009). Environmental stimuli have a large affect on the outcome that a student with autism has in the classroom.Teachers need to be aware of their responses to certain stimuli and learn what bothers the student and try to accommodate these needs whenever possible. Factors such as sound and lighting should be considered into the planning of the classroom and the configuration of the room. A need for extra time is a must for students with any type of disability. The teacher should always give the student extra time to complete assignments and class activities. The student may need extra time to process general information and request that you give them pertaining to instruction. Extra time will allow them to process the information more clearly.When children begin school especially primary grades after they have left preschool, they are faced with new challenges and expectatio ns based on increased â€Å"psychological and physical maturity†, (Volkmar and Wiesmer, 2009). Students are provoked to work more independently and there is much more self directed learning occurring in the classroom. It is possible and is happening more frequently now that students with ASD’S are functioning well in school with the help from all of the options available now. There are fully inclusive classes and programs that supply mainstream teaching along with special education services.When teachers make accommodations for students with autism it helps them to function on a more appropriate level. Students with autism can have a difficult time with various sounds and lights that they hear and see throughout the course of their school day. Ear plugs or noise cancelling headsets can be very beneficial in helping them eliminate some of these disturbing factors, (Stokes, 2011). When students leave the classroom to go to lunch or other activities they are introduced to sounds that they are not familiar with; these components will help in these situations.Another great tool and accommodation for students are visual or graphic schedules. These are good tools to let the students know what activity come when and in what sequential memory order they are to perform them in, (Powers, 2000). These schedules should be composed from left to right or top to bottom so they are not confusing to understand and have very clear graphics. Students with autism can become very involved in computers and it can give them a sense of calmness and really help to educate them on various subjects.Computers like visual charts give a clear and concise message for the activity being focused on. Computers can also be used as a reward and a bonus for good behavior. If the children are exposed to computers at home it gives them a sense of familiarity at school. Another way that educators can accommodate their students is by collaborating with the special education teacher on ti ps and strategies on the best methods to implement in the classroom and positive reinforcers that can help the teacher help the child to put forth their best effort.Special education teachers can also spend time with the paraprofessional or the aid to help them in specific instruction on how to help the students on individual learning skill sets. A crisis plan is a tool that all teachers who have students with disabilities in their classrooms need on file. These are put into place in case a child has an emotional outburst or some other type of emergency during the day that would call for immediate assistance, (Stokes, 2011). This plan should cover everything from sensory issues to obsessive compulsive factors and how to address them in the best possible way.This plan should be collaboration between the parents, administrative staff, the special education teacher, and the general classroom teacher. This plan could coincide with the IEP plan which addresses learning goals and outcomes . Both of these plans in conjunction with each other make a great tool for the teacher. Autism affects so many live today; almost everyone has contact with or knows someone affected with this disability. Education and early intervention is the key to giving students with this disability the best opportunity for success.Understanding all of the characteristics for this disability can greatly help the educator to understand and meet the needs of their students and achieve success. All students deserve the right to an education in the most least restrictive environment with the best services available. If educators use their resources and work in collaboration with the families and other support systems; their students will learn in a positive and stable environment.Reference Page Autism Society of North Carolina, (2011). Common Characteristics of Children with Autism Disorders. British Colombia Ministry of Education. Special Programs Branch, (2000). Teaching Students With Autism: A Re source Guide For Schools. Powers, M. D. (2000). Children With Autism, A Parents Guide. Second edition Stokes, S. , (2011). Interventions and Strategies for Success Turnbull, A. , Turnbull, R. and Wehmeyer, M. (2009). Exceptional Lives: Special Education in Todays Schools. Sixth Edition Volkmar, F. and Wiesnar, L. (2009). A Practical Giude to Autism: What Every Parent, Family member, and Teacher Needs to Know.

Media and Nursing Essay

The differences between nurses at the associate degree level verses the competencies of a baccalaureate degree level is skill and education. Skills and knowledge are needed to provide safe and competent care regardless of what level of nursing that you are pursuing. According to the journal, Associate degree level nurses are trained more so at the bedside level. The Baccalaureate level nurse are trained to think and critically and solve problems. The Associate level nurse are trained to asses and look for abnormal findings such as abnormal blood pressures, a CHF patient with a significant weight gain in twenty four hours. The Baccalaureate level nurses are trained to think critically and solve problems. Although both levels are required to use critical thinking skills to pass the state board exam, the baccalaureate level nursing goes more in depth on how to utilize these skills. The Associate Nurse basically provides care for the patient, this includes completing all activities of daily living, assessing the skin, obtaining vital signs, obtaining lab samples, starting peripheral lines or administering intravenous fluids. The Baccalaureate level nurse educate the patient and attempt to prevent worsening conditions, the baccalaureate level nurse also instructs and educates the patient to monitor their surgical sites for signs and symptoms of infections such as redness, swelling, or drainage and to report the findings immediately. The BSN advises and instructs the patient to report signs and symptoms of pain at the earliest onset. The BSN advises the patient on the importance of reporting these findings. The Baccalaureate Nurse is in most cases a charge nurse who deals with staffing issues and deals with unit emergencies as they may arise. A senior Associate level nurse may be a charge nurse based on years of experience, knowledge and practice. Although both levels must have clinical competence they have different levels of knowledge used in the practice of nursing. According to the Journal of Professional Nursing Issue in May 2008, the educational preparation of nurses must provide the necessary skills and foundation for graduates to practice at a level of competency and safety (www. library. gcu. edu). This writer has personally witnessed a BSN level urse; actually a couple, that are new graduates who are not competent. They were obtaining blood pressures and was not sure how to place the cuff on properly or where to place the stethoscope on the patient’s arm and then they asked, â€Å" how do you know which on is the systolic and which is diastolic. This writer was frantic but as an associate level nurse eager to assist these new graduates on the proper way of obtaining a blood pressure and they were very appreciative. In thinking about this question further about entry into practice, I had to do some reflection. As I come from an AD program, I have to say that for the time (graduated 2007), and for the expectations of entry-level RN practice at that time, I received the most complete and comprehensive education that I could have ever asked for at Florida Gateway College in Lake City, Florida. I knew I was prepared to begin working as a safe, competent professional and I quickly learned as I worked alongside new BSN graduates that I was more clinically prepared in many ways. That being said, I also knew that if I wanted to have more choice with regard to my future, I would have to pursue at minimum a BSN. So, I find a definitive answered to the question posed to be difficult. Regarding ENTRY into practice, I believe that an AD program prepared nurse can be a huge asset to nursing practice, and in many ways is more prepared now than even I was with regard to some issues (e. g. : critical thinking and competency and skills). In light of the current shortage, as well as other issues, the reality is that AD program graduates are here to stay, due to the fact that they are geared for bedside nursing and the acute care setting is becoming more prominent. I do believe that if possible, a student should pursue BSN education in the nearest future to advance in knowledge and education, but there are often obstacles to that for some students. This nurse has enjoyed being at the AND level working closely with the patients at the bedside, working closely with the Primary Care Providers and all of the members of the Interdisciplinary team, but now I feel that there are more marketable opportunities as a BSN level nurse. At the end of the day it does not matter what level nursing you are on, you must keep the patient’s best interest as far as safety and education level at heart. The more you enhance and advance your knowledge the more you can teach your patients about prevention and safety. The health care field is however becoming more demanding as far as medically and requiring employees to be technology savvy. So to summarize, the AND level nurse is trained for the bedside and the BSN level nurse is trained more so to think critically and to solve problems.

Avoiding Physical Punishment In Child Rearing Essay

, Research Paper Is # 8220 ; saving the rod # 8221 ; botching or salvaging the kid? Is force, bitterness, choler or fright worth the hazard taken when striking him or her. Whether your for or against utilizing physical penalty in kid development, as a parent, you will someday hold to confront this issue. Many parents are taught this method in their childhood, and are non cognizant of any other manner. Often arising from faith, physical or bodily penalty is seen as an of import ingredient in kid raising. This tool is used to carry through entire authorization by the parent and to have entire entry from the kid. Physical penalty may be convenient and achieve impermanent conformity, but produces negative consequences, and should be avoided. HISTORICALLY Punishment day of the months back to early human history. To keep the Torahs that were created for societal life, punishments were developed for the persons who could non stay by them. Authoritarianism changed the grounds behind penalty ; alternatively of protecting society from the felon, it became a manner for the # 8220 ; Chiefs to command the Indians. # 8221 ; It placed the leaders above everyone else, forestalling the people # 8217 ; s sentiments from numbering ; an antidemocratic society. As illustrated by Dreikurs and Grey, # 8220 ; Those in bid were superior and hence right ; those whom they ruled were inferior and hence incorrect if they disagreed with the swayers # 8221 ; ( 66 ) . Physical penalty has been approved in history as # 8220 ; the function of authorization, # 8221 ; as a declaration of power. Penelope Leach provinces, # 8220 ; Physical penalty was one time an recognized portion of any relationship that gave one single legitimate authorization over others # 8211 ; maestro over slave, retainer or married woman ; officer over lower ranks ; jurisprudence hatchet man over jurisprudence ledgeman ; employer over learner # 8211 ; but that is history ; we have cosmopolitan human rights now # 8211 ; cosmopolitan except for kids, that is # 8221 ; ( 126 ) . Teaching entire authorization by the parent, most Conservative Protestants use bodily penalty today as their sires did. In Spare the Child, Philip Greven points out, # 8220 ; Modern signifiers of Christian Fundamentalism portion the same compulsions with obeisance to authorization feature of earlier manners of Evangelical Protestantism, and the same autocratic run evident among 17th # 8211 ; and eig hteenth-century Anglo-American Evangelicals is discernable today, for exactly the same grounds: the coercion of kids through painful penalties in order to learn obeisance to divine and parental authorization # 8221 ; ( 198 ) . The thought many old ages ago is obvious, society felt that physical penalty was necessary for obeisance. With survey and research over clip, successful kid raising has changed to bring forth better consequences. Dr. Benjamin Spock adds, # 8220 ; In the olden yearss, most kids were spanked, on the premise that this was necessary to do them act. In the 20th century, as parents and professionals have studied kids here and in other states, they have come to recognize that kids can be well behaved, concerted, and polite without of all time holding been punished physically # 8221 ; ( 437 ) . Recognizing the impact this antique method can hold on a kid, society is altering their positions on how we should train. We are traveling off from bullying and hurting tactics to more effectual, positive methods. EFFECTS / RESULTS To be more effectual in child raising we must foremost recognize the unsought consequences that can come from utilizing physical penalty. When a parent strikes a kid, they are learning that kid to cover with jobs in a violent mode. As an opposition to bodily penalty, Murray Straus writes, # 8220 ; I am non stating the grounds is unequivocal. I believe future research will corroborate the decisions that the force we so abhor and fright has portion of its beginnings in the actions of loving parents who, by paddling kids, accidentally learn force? We should move now because bodily penalty is force. Therefore, irrespective of whether it reduces what most people think of as the existent force, a society that stops hitting kids is a less violent and more humanist society # 8221 ; ( qtd. in Ellison paragraph 22 ) . Negative influence is another disadvantage of physical penalty. An grownup influences a kid utilizing physical penalty, exposing a deficiency of self-denial by the parent. Physical penalty besides implants bitterness, choler and fright of the parent. Causing bitterness, choler or fright in a kid can ensue in # 8220 ; blowback # 8221 ; of the penalty. Hiting a kid displays a deficiency of regard for them and engender rebellion. For illustration, metres are placed to necessitate payment for impermanent parking. Exceeding the clip bound or declining to pay can ensue, if your caught, in a all right. Just being cognizant of the effects of misdemeanor can assist to implement this regulation. However, many people will park without paying if they feel they can acquire off without a punishment. Similarly, a kid having a spanking will reiterate the act if he or she realizes he or she can avoid acquiring caught. It has been argued by professionals that the usage of physical penalty has been a factor in forestalling self-esteem, assurance, creativeness and rational independency ; doing delinquency, depression and disaffection. Used excessively frequently, physical penalty can lose its steam, and lead to child maltreatment. Option There are successful, alternate methods in training for physical penalty. Keeping consistence, being sort yet house is a critical portion of utilizing these alternate methods. Understanding it is the importance that we place in an issue, and non the step of penalty given, that makes the difference. Penelope Leach writes, # 8220 ; Many kids have so learned to postpone bedtime about indefinitely, but merely because parents are excessively tired to follow through. If those same kids need medicine for a chronic unwellness such as asthma, they take it without a murmor because parents are convinced that it truly affairs and are hence clear, confident and consistent in their insisting # 8221 ; ( 125 ) . Of the many alternate methods for subject, a few to discourse are the # 8220 ; Law of Reinforcement, # 8221 ; # 8220 ; Time-out, # 8221 ; # 8220 ; Immobilization # 8221 ; and # 8220 ; Logical or Natural Consequences. # 8221 ; The # 8220 ; Law of Reinforcement # 8221 ; was devised by the first educational psychologist, E.L. Thorndike. It was latter revised and polished by B.F. Skinner. This method is simple, a kid will reiterate an act or behaviour if the consequences are delighting to him or her. As noted by Dr. James Dobson, # 8220 ; Behavior which achieves desirable effects will repeat # 8221 ; ( 64 ) . Something to see with this method is the wagess promised as a consequence of good behaviour must follow instantly. They can non be long-run wagess, such as a friend remaining nightlong subsequently in the hebdomad, or a holiday subsequently in the twelvemonth. Exploitation wagess at the incorrect clip, such as assuring them to a kid that is in rebelliousness, can besides be a error. Furthermore, the wagess need non be material, forestalling them from going graft. Therefore, utilizing verbal support ( personal regards ) can be much more effectual. Another method in subject is # 8220 ; time-out # 8221 ; . This removes the kid from a state of affairs until he or she changes the improper behaviour and regains his or her calm. This method should non be used excessively often, and should ever follow with an account of why the behaviour is non acceptable. Harmonizing to Larry Reibstein, # 8220 ; The Newsweek canvass showed that 71 per centum of parents frequently or sometimes used timeouts # 8221 ; ( 64 ) . Immobilization is a technique used less frequently for kids runing from 7 to 14 months that can non command their behaviour of, for illustration, hitting another kid or an grownup. After a warning has been given, the kid should be placed on your lap or a chair and held down until the kid is unagitated and you can explicate to him or her the ground this is unacceptable. This technique is limited in many ways and should be used carefully, and at a lower limit. Covering with a kid with Logical or Natural Consequences can be an effectual option. Teaching the kid the effects that result from a specific action can either be logical or natural. Logical significance if a kid does something incorrect, the effects can be bad, typically brought approximately by the parent. Natural significance if a kid does something incorrect, the effects can be bad, typically brought about by some kind of physical world. Dr. Loren Grey acknowledges the logical method, # 8220 ; Even though the consequence is arranged by the parent, the kid sees it as his ain action and normally a repeat of the consequence is non needed to act upon alteration # 8221 ; ( 47 ) . Refering natural effects, Dr. Grey writes, # 8220 ; If a little kid runs his caput into a tabular array and hurts it, no warnings or repeated illustrations are necessary to convert him to avoid that in the hereafter # 8221 ; ( 46 ) . Contained in this paper are a few of the many options to physical penalty. There are many more ways to convey about alteration in a kid # 8217 ; s behaviour. Striking a kid is a certain manner to learn force as a solution to jobs, produce bitterness towards the parent and transfuse choler or fright in the kid. Becoming more educated with the options, parents can play an of import function in supplying a less violent society. Along with these options, parents should be sort yet steadfast and should ever keep consistence. Dobson, James. Dare to Discipline. Wheaton, Ill: Tyndale House Publishers, 1970. Ellison, Christopher G. # 8220 ; Conservative Protestantism and the Corporal Punishment of Children: Clarifying the Issues # 8221 ; . The Journal for the Scientific Study of Religion v35, n1 ( 1996 ) : 1-16. Greven, Philip. Spare the Child. New York: Alfred A. Knopf, 1991. Grey, Loren. Discipline Without Fear: Child Training During the Early School Old ages. New York: Hawthorn Books Inc. , 1974. Leach, Penelope. Children First: What Society must make # 8211 ; and is non making # 8211 ; for Children Today. New York: Vintage Books, 1994. Reibstein, Larry. # 8220 ; The Debate over Discipline # 8221 ; . Newsweek Spring-Summer 1997: 64. # 8220 ; Sparing the Rod to Salvage the Child # 8221 ; . Editorial. New Statesman and Society. 24 June 1994: 5. Spock, Benjamin and Micheal B. Rothenberg. Dr. Spock # 8217 ; s Baby and Child Care. New York: Dutton, 1992. Straus, Murray. Beating the Devil Out of Them: Bodily Punishment in American Families and Its Effectss on Children. Boston: Lexington Books, 1994.

The Artwork Soft Calendar for the Month of August, 1962. Metropolitan Assignment

The Artwork Soft Calendar for the Month of August, 1962. Metropolitan Museum of Art in New York City - Assignment Example One must wonder why the artist uses the particular medium that he does—especially since it is quite strange. â€Å"Soft Calendar for the Month of August, 1962† is basically canvas filled with shredded foam rubber; it’s painted with Liquitex and enamel. Now, Liquitex, as one understands it, is primarily a plastic paint—which we now know as acrylic gesso. Gesso is what artists usually put on their canvases in order to prime the piece of artwork with paint. So, it seems rational that Claes used Liquitex, perhaps for a first coat. Then, he most likely next applied enamel, which leaves a decorative and glassy coating. It’s a type of paint used for modeling (such as miniature toy plane replicas, etc.). One must ask why the artist uses this particular medium besides why he actually uses the types of paints—and rather, why does he feel this is the best way to represent his art? Perhaps this was the easiest way to paint shredded foam rubber. It must h ave taken some masterful skill to form the rubber just the way he wanted it, because the rubber numbers on the calendar look like dough. The advantages of working with acrylic gesso would be that the first coat would dry easily. The limitations of working with enamel include the fact that enamel takes a longer time to dry. III. Style Elements of the composition work to constitute the artist’s style, much in the way that putting a bunch of puzzle pieces together creates a whole picture. As for what movement within which Oldenburg was working, he was clearly in the realm of various possible categorizations: Modernist, Abstract Expressionism, and Pop Art. It’s possible it might have even been more than one style blended together. At any rate, â€Å"Claes Oldenburg's highly individual figurations make him one of the leading protagonists of Pop Art† (Osterwold 193). Pop art, short for popular art, was at its heyday in the ‘60s, along with the likes of Roy Licht enstein and others. Unmistakably, as one can see below, the calendar for the month of August of 1962 starts with the number â€Å"29,† as that was the day of the week from the previous month of July in that particular year. One also may note that the August calendar of 1962 ends with the number â€Å"1,† because the last day in the calendar was September 1st of 1962—according to the painting. The numbers and letters almost look like baked bread dough rising. More is forthcoming about why this painting looks like it does, in the next section regarding the context of the painting. IV. Context One should examine also, the context of the work. This was painted in the 60s by Claes Oldenburg. He was born in Sweden in 1929, but is an American citizen. It’s uncertain exactly where he painted it, nor with what other works it would be in conversation with unless one talks about this painting being a type of conversation piece in the context of Pop Art. All of the f irst days of the week on the calendar are painted red, while the other days are white. One is unsure whether the colors or this particular month held any kind of cultural or historical events or issues which the piece is addressing. To be sure, Soft Calendar for the Month of August, 1962 is definitely riveting. It makes you ask why a thousand times. Why are the first days of the week painted red, and the rest white? Why do these numbers look like rising bread dough? And so forth and so on. It is a discussion that must be had. V. Conclusion

Media Education in Elementary Essay Example | Topics and Well Written Essays - 250 words

Media Education in Elementary - Essay Example The students should be capacitated to read media messages and also create their own media messages. I definitely agree with Bill Bigelow that advertisements to a very large extent promote wrong perceptions. They make the viewer very uncomfortable by threatening the esteem of the viewer who start believing in the false claims and overlook the actual product. Advertisements are designed with only one rationale- maximum profit to the company. Therefore, they make all sorts of false claims to attract the viewer. However, a viewer with sufficient knowledge of semiotics can never be deceived. This is because semiotics help the viewer unfold the actual meanings hidden in the ads. I liked his approach of teaching global studies and the one in which students wrote about the effects of ads on their personality. The newly emerged interest in the field of masculinity study has undoubtedly offered a variety of genres like magazines, journals, albums, videos, ads etc. However I would like to menti on the not-so-good effects of this growing research- firstly, the potential psychologically damaging effects of violent ads on young adolescent boys. Secondly, the well toned attractive body of male models threatens the self esteem of the male audience.

The Rise of China, its effect on Reshaping the Business Environment Essay

The Rise of China, its effect on Reshaping the Business Environment and how this Affects Multinational Enterprises - Essay Example Disadvantages include increased competition in the export market and increased competition for raw materials. In addition, it is unknown what China will be like as a world economic leader and what effects this will have on the rest of the world. Introduction The economic boom in China has resulted in continued significant growth to the Chinese economy and the growth is predicted to continue. Already China has the second strongest economy worldwide and projections indicate that this growth is likely to continue. Calculations suggest that by 2035 the economy of China will have completely overtaken that of the United States, who is the current economic world leader. As the economy of China continues to grow, there is already evidence of the country reshaping many economic variables and the environment for businesses. There are a large number of implications for businesses as a consequence of this growth particularly those which span multiple countries. A multinational enterprise (MNE) i s a corporation or enterprise that has its headquarters in one country, and operates in other countries also. This operation may be in terms of having distinct branches or stores in other countries, or it may mean outsourcing production or a portion of production to a different country. MNE’s vary significantly in size, with some being small, and others large, with budgets that are so large they exceed the gross domestic products of some countries. The countries in which MNE’s have their headquarters play an important role in the way in which they operate and their ability to generate revenue, however the international economic situation also plays a significant role. The rise of China has already significant affected economic relationships and trends internationally and there are strong indications that this trend will continue. As a consequence, the rise of China has many potential effects for MNEs including both positive and negative effects. The Economic Rise of Ch ina The financial crisis which has been affecting enterprises, governments and countries worldwide has provided significant opportunity for the economy of China to strengthen itself and emerge as one of the fastest developing economies worldwide. The economic boom that has caused this rise has been steady for four decades, and indications suggest that the rise is sustainable. Already it ranks as the second strongest worldwide economy, after that of the United States. It is the largest exporter of products worldwide, and the second largest importer of goods. It has been projected that the economy of China will be stronger than that of the US by 2035, and will be twice the size of the US economy by 2050 . The growth of China’s economy has always been independent of the US, having low growth when the US economy was soaring, and now growing rapidly as the US economy is having significant difficulties. As China is gaining economic strength and power internationally, the consequenc e is a shifting of economic power and the redistribution of economic linkages as well as the creation of new ones. The continued growth and development of China’s economy will eventually result in the displacement of the US as the predominant market economically, resulting reassessment and changes within all major economic markets worldwide. Before the financial crisis, China used an export model for its economy, exporting goods to

Atypical Development Essay Example | Topics and Well Written Essays - 250 words

Atypical Development - Essay Example Grandin claims that her science teacher in the special education centre motivated her a lot thus helping her develop her area of strength. One of the many important things mentioned by Grandin is that there are myriad misconceptions related to autism. People think that a child suffering from autism is unable of doing any good to his/her life, which is a pure misapprehension. Grandin proved this belief to be groundless by achieving big feats in her life by writing valuable books related to autism. Any developmental psychologist or parent can benefit a lot from Grandin’s interview for building up the abilities of a child with autism. Grandin claims that autism does not mar the capabilities of an individual rather the visual thinking skills of a child with autism can be used for designing. Artistic minds tend to be less social and there should be a teacher working with the children with autism to teach them social interaction in an order to keep their minds connected to the outer world. The parents can build on their child’s thinking and social abilities by restraining from letting him/her watch television all day long. Rather, they should try teaching him/her basic concepts of language and ways to interact with people. Reference: www.npr.org. (2006). A Conversation with Temple Grandin.

Personal Philosophy of Nursing and its Choices Essay

Personal Philosophy of Nursing and its Choices - Essay Example My decision of selecting nursing as a profession holds a resemblance to my goal to serve the community members. I became quite aware of the wide range of opportunities that are embedded within this particular profession. However, my choice of nursing as a profession was mainly because of the prominent roles that it serves towards ensuring the well being of the people. The nursing profession is viewed to be the most prominent one considering the importance of roles along with responsibilities associated with it. It will be vital to mention in this regard that the roles of the nurses are not limited to only a particular dimension, rather these are dispersed in various domains of the healthcare sector. The RNs are responsible for treating the patients regularly, ensuring their safety, keeping records of patients’ medical histories and assuring fast recovery among others. Though these roles are challenging collectively, the level of personal and professional development associated with the nursing profession also seems to be quite crucial at the same time (Vance, n.d.). The future growth prospect involved with this particular profession mainly influenced me to adopt nursing as a profession. Historically, it is believed that nursing is synonymous with caring. Nursing was seen as a profession, which adopted by the people having the desire to provide effective care to others. Caring is defined as a science, which is associated with humanitarian principles. However, in course of time, the nursing profession transformed rapidly owing to the overall advancement of the healthcare sector. In the present day context, caring is not the only criterion to sustain in this profession, rather adherence to other professionalism principles is also crucial (Vance, n.d.). Ethics is viewed to be one of the most prominent parts of the nursing profession. Nurses need to ensure delivering proper  and effective care to the patients through making proper use of their knowledge and skills.

Case study on an historical Civil Engineering failure Essay - 1

Case study on an historical Civil Engineering failure - Essay Example The author also cites other definitions of failure in engineering projects to be occasioned by the lack of conformity between the design and the expectations. In these definitions of project failure in the civil engineering sector, the author comes up with a simplified and precise approach for civil engineering designs that takes care of two basic aspects. On one side of the aspects, the author states that everything likely to go wrong in the project is highlighted in the design while protection measures must be introduced on the other hand. It is therefore correct to state that engineering designs are prepared in contemplation of difficult and disturbing realities that perfect conditions of implementation are inexistent. Engineers proactively introduce certain measures to overcome the challenges of imperfect conditions at every stage of project implementation. However, certain factors not foreseen in design, foreseen but inadequately tackled in the design or totally uncontrollable factors present the most difficult challenge to an engineer. Failure in civil engineering sector has been a matter of debate since antiquity, yet how to completely avoid it still remains elusive. This case study enumerates circumstances and details of the Tacoma Narrows Bridge collapse as a classical example of how devastating it could be in case of a failure in the civil engineering sector. Background information is complemented by causes and responses thereon have been included in the essay. In Tacoma, Washington, the Tacoma Narrows Bridge that is over 850 meters of span was designed and commissioned at a cost of about six and a half million US dollars to connect Seattle and Tacoma to Puget Navy Yard. It was seen as a major transport solution for both economic and military purposes around the Olympic peninsula. The University of Washington reported that the bridge was celebrated as a triumph of man’s ingenuity

Capital Budgeting Statistics Project Example | Topics and Well Written Essays - 5250 words

Capital Budgeting - Statistics Project Example One of the most important considerations for an investment and financing decision will be proper asset-liability management. Companies will have to face a severe asset-liability mismatch if the long-term requirements are funded by the short-term sources of funds. Such a mismatch will lead to an interest risk thereby enhancing the interest burden of the firm and a liquidity risk with the short-term funds being help up in long-term projects. Whenever a business firm plans to invest in a long-term project, it needs to assess the benefits that can be reaped out from that particular long-term investment and come to a conclusion whether that particular investment is profitable for the business or not. The entire process of assessing a proposed long-term investment and coming to a conclusion whether it is worth investing or not is termed as "Capital Budgeting." The ultimate goal of any individual or a firm's maximization of profits or rate of returns - in other words market value of one's investments. Thus, investment management is an ongoing process which needs to be constantly monitored by way of information as this may affect the value of securities or rate of returns of such securities. ... c. Estimate of future profitability and growth and the reliability of such expectations. d. Translation of all these estimates into valuation of the company and the securities. The global financial markets now-a-days are getting more integrated, and people and firms are entering into more and more cross - border financial deals. In order to make these transactions feasible, a system for determination of the amount and method of payment of the underlying financial flows is needed. Since the domestic currencies of the parties involved will be different, the flows will take place in some mutually acceptable currency. All the relevant transaction taking place would hence be on account of international trade in goods or services, or due to acquisition or liquidation of financial assets, or because of creation or repayment of international credit. Measurement of Total risk Undoubtedly, all the modern forms of risk quantification find their origins in Risk is associated with the dispersion in the likely outcomes. Dispersion refers to variability. If an asset's return has no variability, it has no risk. An investor analyzing a series of returns on an investment over a period of years needs to know something about the variability of its returns or in other words the assets' total risk1. There are different ways to measure variability of returns. The range of the returns, i.e. the difference between the highest possible rate of return and the lowest possible rate of return is one measure, but the range is based on only two extreme values. The variance of an asset's rate of return can be found as the sum of the squared deviation of each possible rate of return from the expected rate of return

Human Resources Management Essay Example for Free

Human Resources Management Essay Proper management of human resources is vital to being a successful business. Human resources are one of the critical departments within any organization. The purpose of this essay is to emphasize the basic principles of Human Resources Management. EEO and Affirmative Action, Human Resources Planning, Recruitment, and Selection, HRD, Compensation and Benefits, Safety and Health, and Employee and Labor Relations are the six areas of Human Resources Management that will be the focus. All of these Human Resources Management areas should be working together and should correspond with the overall business strategy. According to our text, â€Å"Human Resource Management is specifically charged with programs concerned with people the employees† (Ivancevich, 2007). It was observed by Edward L. Gubman, in the Journal of Business Strategy, that â€Å"the basic mission of human resources will always be to acquire, develop, and retain talent; align the workforce with the business; and be an excellent contributor to the business. Those three challenges will never change† (Gubman, 2006). In today’s world the terms human resource management and human resources is called personnel management or a personnel manager. â€Å"In simple words HRM means employing people, developing their capacities, utilizing, maintaining and compensating their services in tune with the job and organizational requirement† (Storey, 2007). The recognition of the importance of Human Resource Management extends to small businesses also. There for some time they did not generally have the same volume of human resources requirements as the larger organizations, but they too face personnel management issues that can have a decisive impact on the business’ health. In The Small Business Handbook Irving Burstiner stated â€Å"hiring the right people and training them well can often mean the difference between scratching out the barest of livelihoods and steady business growth personnel problems do not discriminate between small and big business, you will find them in all businesses, regardless of size† (Burstiner, 2008). The proper management of a company’s human resources is vital to the success of that company. People within an organization are the most precious and vital resource. They should be treated as such. It is important that the managing of human resources should be done correctly as it affects the overall business plan of any organization. As a person that plans to own an accounting business, this course has made realize that human resources are a very important and vital part of a company. This course has given me the tools to ensure that I have proper Human Resource Management and my employees are taken care of. There are many employers that consider themselves to be equal employment opportunity (EEO) employers. There may even be an employee within the organization that is an EEO officer or they could simply make sure they have a personnel manager, and/or other managers who understand and follow EEO. Our text stated â€Å"the human resource manager plays an important role in showing by example that each employee is important and will be treated ethically and equally† (Ivancevich, 2007). This usually means: †¢ That the employer is following the anti-discrimination laws and is ensuring that everyone within the organization understands these laws and abides by them. †¢ That the employer is preparing and implementing equal employment opportunity management plans or programs designed to ensure that everyone really does get equal opportunity within the organization. Most people know affirmative action as having to do with the development of equal opportunity plans and providing special help for minority groups with a disadvantaged past. Affirmative action programs also help give previously disadvantaged groups the skills they need to compete on equal terms with all other employees. This is a way of ensuring that there is truly equal opportunity between all potential and existing employees. There is a full-time EEO officer within my organization. It is my understanding that our EEO officer has never had anyone come to her about any discrimination that has taken place within the organization. An analysis of the job to be done, written into a job description should be written so that selectors know what physical and mental characteristics applicants must possess, what qualities and attitudes are desirable and what characteristics would be a decided disadvantage. Human resources planning usually refer to classic human resource administrative functions. The evaluation and identification of human resource requirements should meet organizational goals. Effectively, selection is essentially ‘buying’ and employee, the wage or salary multiplied by probable years of service being the price. Bad employee buys can become very expensive for any organization. For this reason, for particular jobs, some organizations may use external expert consultants for recruitment and selection. The ‘cost’ of a poor selection is a reason why those who recruit and employ should be well trained to judge the suitability of all potential applicants. The main sources of recruitment are as follows: †¢ Internal company promotions †¢ Appointment boards †¢ Agencies for the unemployed †¢ Advertising or the use of other local media. The businesses vacancy numbers should determine what line of recruitment should take place. It is important that an organization have a background check done to verify experience and statements about qualifications thoroughly before hiring a potential employee. To ensure a good recruitment process it is important to have training in interviewing and appraising candidates. This type of training usually teaches interviewers how to draw out the interviewee and how to rate the candidates. This is probably one of the most important parts of human resource management. Human Resource Development (HRD) helps employees develop their personal and organizational abilities. Opportunities for employee training, employee career development, performance management, mentoring and organizational development are included in Human Resource Development. Human Resource Development mainly focus is the development of the best employees possible. The reason for this is so that the organization and its employees can accomplish the organizational goals. Human Resource Development can be formal, such as a classroom setting or informal, such as an employee mentoring session by a manager. Organizations that are healthy believe in Human Resource Development. They also believe that the development of their employees is what makes the organization prosper. Unfortunately this is not something that takes place within my organization. It would be nice to be able to receive training that would improve my knowledge and skills and allow me to help in other areas of the organization if possible.

Choose two scenes from Shakespeares Macbeth Essay Example for Free

Choose two scenes from Shakespeares Macbeth Essay At the outset of this scene, we are able to ascertain due to the careful sculpturing of Shakespeares, that Lady Macbeth is a practical kind of women from what is emanated from her soliloquy, who is imbued with an aura of insecurity full of consternation for her husbands dangerous ploy. She is ever weary of the fatal bellman who would signal the demise of her husband with the sternst goodnight however here we can see the interwoven theme of death occurring with the allusion to the toll of the bell rung outside the cell of those condemned at Newgate Prison. This would also appeal to those in Jacobean times due to the current fixation with treason and the Gunpowder plot to eradicate the king, serving as a focusing device to grab the audiences attention. As Lady Macbeth waits, the dramatic tension builds even once Macbeth enters the chamber, as he cries whos there? At this point, she could be pacing the room, looking apprehensive also in the dark, which would further contribute to the effect when Macbeth enters trying to establish where she is. This would also serve in the general panic of the scene, as Lady Macbeth is held in suspense for the outcome of the murder, the audience focusing solely on her. Also in order to eliminate the need of special effects, this scene could be off stage until Lady Macbeth bursts in and meets Macbeth. The language used would add to the general confusion and tantalising suspense with Lady Macbeth and Macbeth trying to affirm what happened as succinctly as possible using words such as when and how, adding to the further dramatic tension caused from Macbeths return. Macbeth here is depicted as frightened, for case of arousing those who would sound the alarm, hark he cries. However as Macbeth tries to denigrate himself by saying this is a sorry sight reflecting on his hands we can see the bolstering of spirit by Lady Macbeth who dismisses it as a foolish thought. Here again as at the outset of the scene we can see Lady Macbeths practical character being manifested, which is also seen further on when she returns the daggers, the determination, which she exemplifies, is also seen in Act 1. Scene 5, where she pacifies Macbeth saying leave all to me. Macbeth by contrast is asphyxiated with the thought of sleep another theme invoked thought a characters actions, seen in this scene, as Macbeths feels due to his actions, he wont be able to sleep the innocent sleep. This theme is further emphasised by the repetition of sleep no more. Also religious issues are aroused disallowing him to say Amen which under the Divine Right Of Kings should be uttered freely. Due to his contravention of the Right, he is despised of the reverential features. These two features culminate to show the slow disarray of the psychological state in Macbeth in a gradual downward spiral in mental degradation as he tries to control his ways however is adamant to look on murder again I dare not. Lady Macbeth is then faced with returning the daggers, with residual feelings of vexation for Macbeth. She dismisses his excuse using a metaphor are but as pictures pertaining to the fact that his fears are figments of the imagination like someone in childhood really trying to humiliate Macbeth for who he is. Lady Macbeth uses words such as gilt and grooms which would infer a marital sense being eluded to in the breakdown of relationship and the overlaying of something new, however the words are used here in a negative sense. Despite Lady Macbeths plausible efforts to banish all evidence from their presence in taking the daggers back, she in fact relinquished herself with the killing of Duncan with the blood on her hands. We can see the effects later on in the play when she is sleep walking she cries out damned spot this could only point back to this scene, which is a turning point from which she never escapes, and Macbeth and Lady Macbeth almost amalgamate into one. Again we have in the latter part of this scene a knocking which not only is used as a dramatic device in a quiet scene but also as a knell to show from now on they must suffer the consequences for their actions. The stage would be dark and quiet with a loud muffled pounding on the door resonating throughout the stage, the audience being caught up in this climatic suspense, trying to emulate what the two were feeling. Not only do we have this dramatic device used but also the theme of blood further intimated to wash this blood would further magnify the overall tension. We can see further allusion to blood in Act 2. Scene 3, badged with blood which is a predominate theme running through this scene. As the knocking grows ever closer Lady Macbeth keeps her composure and is not shaken by the knocking she seeks to disembalm them from the murder she says a little water which would usually signify purity. This is an example of dramatic irony, in water being used to cleanse them from their part in this deed, despite the abhorrence of such sin in the sight of purity. She is a stark contrast in character portrayal to Macbeth who is fretting for fear of being found out along with the settling apprehension of what hes done as he says of Duncan he would wake him would thou couldst portraying to the audience a change of mind within Macbeth who seeks to resurrect King Duncan however has to face the solemn fact he cant. At the outset of this next scene I wish to look at we see Lady Macbeth and Macbeth for the first time depicted with their elevated social circle enjoying those with whom they associate with in a banquet to commemorate their regal status. Macbeth tries to paint this false faà ¯Ã‚ ¿Ã‚ ½ade in an attempt to stop any animosity from being portrayed but then jeopardises his ploy at being the humble host a subtle use of alliteration, by using the word play. This would infer a temporal state pertaining to a change as we can see in the latter part of the scene. A theme of appearance and reality is intimated here due to Macbeths appearance being a complete inverse to his inner thoughts, in seeking to veto Banquos life yet trying to proclaim himself in an unostentatious way. Which also could be perceived as dramatic irony. Macbeth at this early stage in the scene is fairly composed, however we can observe a gradual change as he meets with the murders, he then asks if Banquo has been Dispatched. Shakespeares ingenious use of the word could allude to two things, which is also linked with Act 1. Scene 5. In this instance it is used ostensibly to discern whether Banquo has been killed, however it is used earlier in the play in the sense of being efficacious in the ploy of Lady Macbeth, as regards to the demise of Banquo. This initial part of the scene could be staged with Macbeth consulting with the murders, behind an opaque screen which the audience could see, but not those at table, alluring to the secrecy of the situation contrasting with the revelry going on round the table. This would also draw the audiences attention away from the table focusing them on Macbeth who is the pivotal one in this scene. Macbeths innate fears are seen in his speech saying: Im cabined, cribbed, confined bound in to saucy doubts and fears Macbeth has no consolation, he is alone in his distress without the help of his wife on whom he so heavily relied, floundering for what to do next. The use of alliteration would make it even more emphatic, like a caged animal who has no hope, and it is here we are able to discern the pressure amounting infused with a weakness of mind, heralding the decline in mental degradation. It is then we have the entrance of Banquos ghost, a dramatic device building up tension even before Macbeth notices. In a modern day theatre to resemble a ghost would be a lot easier than in the Jacobean times, due to exquisite special effects which would captivate a modern audience, than those in afore times. Due to the lack of equipment to super impose, a ghost possibly couldnt have been staged save for some one dressing up, however todays sophisticated lighting could produce a realistic effect which would further add to the aura of tension emanating from this scene. Whilst Macbeth is in a quandary about where to sit, he is trying to banish this horrific sight from his mind he cannot abstain from saying; Never shake they gory locks at me, he simply cant tolerate the image any longer, whether this arose from the heat oppressed brain it is ambiguous, however Macbeth is firmly convicted of this terrible apparition which has come to taunt him. It is here Lady Macbeth steps in dismissing his accusations as very paintings of your fear; we can see again the practical side co-insiding with the portrayal in Act 2. Scene 2, alluring to the fact she is the dominant one in their relationship trying to bolster Macbeth amidst such breakdown Another theme of blood is made manifest in Macbeths speech here and later on when Banquos ghost reappears blood hath been shed, however he is bemused using metaphorical language there is a ghost saying The brains were outthen man would diean end. Macbeth fails to grasp the concept of raising an apparition once a person has died. This however is an allusion to the further submergence in mental ruination as Macbeth elapses further into an irreparable state of mind. The ghost then makes a second appearance, more dramatic tension, filling the audience with a further sense of fear building up to a crescendo when Macbeth confronts the ghost. However we also see some dramatic irony emanating from his speech as he uses animal imagery, armed rhinoceroses. This is quite strange, as animals would symbolise a harmonic state of things, where as the thing Macbeth is describing is of a total contrast, used to emphasis the detrimental sight of Banquos ghost. The scene then draws to a close, alluring to the Divine Right Of Kings, along with religious issues invoked blood will have blood. This would also link back to the old Hebraic saying Man who lives by the word will die by the sword Macbeth has slighted the ways of the universe, the equilibrium has been altered, Stones have been known to move the hierachery of the heavens has been changed by false means in the demise of Duncan. Macbeth will have to reap what is sowed linking back to Act 2. Scene 2. Also mystics are pertained to in Macbeths speech Understood relations by maggot-pies, who had premonitions for the future beholding it in birds. Also reference to biblical saying dust to dust could be pertained to by reference of maggots referring to earthen things and ultimately death, which Macbeth will have to face. This would really captivate the attention of those in Jacobean times more effectively than those of the modern day, as they believed the supernatural, Shakespeare integrating it to focus the audience on Macbeth. The scene culminates in a theme of sleep linking back to Act 2 Scene 2, in Macbeth thinking this is the root of this self abuse however he says young in deed would reflect his mentality that he has further obstacles to clear to stop them hampering his seemingly aspiring progress, despite such denigration.

African American Discrimination 1865-1939

African American Discrimination 1865-1939 Why did black Americans face discrimination during the period 1865-1939? In 1865, the Thirteenth Amendment to the US Constitution abolished slavery in the USA and in 1868 the Fourteenth Amendment guaranteed citizenship and equal civil rights to freedmen but even in 1978 Justice Thurgood Marshall, the first black justice of the Supreme Court, commenting on inequality was to say ‘Take it from me, it has not been solved’.[1] Why is it that black Americans have continued to face discrimination since 1865 and what forms has that discrimination taken? This essay will explore the types of discrimination faced by black Americans from 1865-1939 and the reasons that may lie behind it. It begins with an examination of the origins of racial discrimination that sets the context for later developments. It then moves on to examine the reasons for and instances of discrimination in a variety of contexts. The origins of discrimination against black Americans lies in the practice of slavery and the inherent contradiction between proclamations of freedom and the denial of humanity that is the foundation of the modern US. Virginia and other regions had economies based on slavery and incorporated racial discrimination as a quite natural.[2] The relationship of slave and master and the divisions of labour and status created, enforced and normalised unequal relationships between blacks and whites. A slave by definition of his enslaved status could be considered as inferior but black inferiority was also argued scientifically and promulgated in the popular consciousness.[3] These differences were also initially exacerbated by religion and led to an association of black, heathen and slave. It was also considered that black people might not be human, at least not as human as whites, and black as a colour was associated with the night, with evil and with the biblical curse of Ham. Brogan states that the result of these factors ‘was the deeply entrenched, pathological enmity between the races’.[4] It is against the backdrop of such a society that the phenomena of discrimination against black Americans should be seen. Slavery as an institution came under increasing attack, being abolished firstly in the state of Vermont in 1777 followed over the next few years by several other northern states.[5] The African slave trade was banned by Federal Law in 1808 and eventually abolition was achieved in 1865 after being the central issue of the Civil War. The response to the new legal position in the southern states was twofold, involving on the one hand violence and on the other the law itself. The violent discrimination suffered by freed black Americans in the south is embodied by the emergence of the Ku Klux Klan (KKK), founded in Tennessee on Christmas Eve 1865.[6] The Klansmen, robed and masked in white, whipped, burned, murdered and threatened in order to intimidate black Americans and those who sought to aid them. By 1867 their techniques had become popular throughout the south. They were motivated by frustration at the outcome of the Civil War and a continued belief in the supremacy of whites over blacks and attempted, reasonably successfully to prevent blacks from voting, to drive them from whatever lands they had managed to acquire and to prevent them from asserting themselves.[7] The so-called ‘Black Codes’ passed in the Reconstruction period following the Civil War almost reenslaved the newly freed blacks.[8] For example they were required to hire themselves out by the year without the right to leave their employment or strike. Any black found to be unemployed or travelling without his employers permission was arrested, fined for vagrancy and allotted to a white employer.[9] The reason for such legal discrimination is not hard to fathom since they seem intended, as was pointed out by the Republican caucus on December 2nd 1865 to reduce Afro-Americans to slavery.[10] These reactions in the aftermath of the Civil War and Reconstruction show that for many in the south the new status of black Americans as equal to whites was unacceptable and thus a cause of discrimination. In fact it should hardly be surprising that such a significant change in the social and economic fabric of a region would result in extreme reactions and resentment. Blacks as slaves had formed the foundation of an economic and social system that necessitated their continued repression. Free black Americans and whites were forced to negotiate new relationships in which black Americans would demand better treatment as cash waged employees with limited working hours on a par with labourers throughout the US or even as landowners in their own right.[11] Following the Compromise of 1877 the social position of black Americans declined. Shortly after, breaking the power of the Redeemers, the rednecks seized control, resulting in the Jim Crow laws.[12] The term Jim Crow was a generic slang term for Negro, perhaps based on the rhyming principle. These laws of segregation began in Tennessee, the home of the KKK, in 1881 with the Jim Crow railroad car law and had spread to 13 other southern states by 1907.[13] Through these laws, blacks were excluded from voting by the grandfather clause, the white primary and the poll tax. They were also restricted to the most servile employment, segregated from the better residential areas in towns, from white schools and universities, white hotels and restaurants and even segregated on buses.[14] In 1875 there had been passed a Civil Rights Act that had prohibited discrimination in hotels although this was overturned when the Act was held unconstitutional by the Supreme Court.[15] In 1896 the Supreme Co urt sanctioned segregation with the Plessey v. Ferguson case.[16] Only in 1957 were the Jim Crow buses ruled unconstitutional.[17] Throughout this period and well into the twentieth century, white resentment often took the form of violence, typified by the practice of lynching. In 1886, 20 blacks were lynched in Carollton, Miss.[18] In total more than 2,500 lynchings were carried out between 1880 and 1900.[19] Between 1918 and 1927, 416 blacks were lynched with burning becoming a popular means of killing.[20] In the south in the 1920s a new KKK arose, the group having been inactive since 1873.[21] The reasons for the rise of both the old and new KKK have been located in the tensions that appear in the aftermath of war.[22] The movement has been identified as a defensive one, embodying reactions to innovations in race relations and more widely as a movement inspired by a fear of change, particularly that brought about by out-groups.[23] The First World War, eventually joined by the US in 1917, saw some 400,000 black Americans serve in the army and navy.[24] Du Bois thought that black Americans should not only obey the call of duty but demand to be allowed to fight for their country.[25] Despite segregation, slander, violence and discouragement from the US side, black troops were praised by the French and received far better treatment from them. Black soldiers abroad were warned by Wilson not to expect the same treatment on their return to the US while those stationed in the US suffered under continued Jim Crow laws. Following the war and the race riots that followed, the 1920-1 membership of the KKK grew to some five million, reacting violently against the perceived threat of veterans and the economic migrants. Discrimination was never restricted only to the southern US.[26] The First World War had created jobs in the north and pulled by these and pushed by oppression and exploitation, some 500,000 black Americans migrated to the north between 1915 and 1918.[27] The migration had several benefits for black Americans over and above the achievement of better, though still hard and poorly paid, work. Employment was still segregated and tensions between poor whites and blacks in particular increased as black workers were made by employers to break strikes and were discriminated against by unions. Since among the poor there tends to be competition for jobs and housing, both of which may be substandard, race relations and social discrimination could easily be exacerbated.[28] Blacks could be and were ghettoised and then exploited by being charged higher rents than whites.[29] As a result, there were 25 race riots in the summer and autumn of 1919 in the north east and midwest. The most violent rio t lasted 13 days, killing 23 black Americans and 15 whites and took place not in the south but in Chicago.[30] In answering the question of why black Americans faced discrimination during the period 1865-1939, it is appropriate to examine the controversial role of prominent black Americans such as Booker T. Washington.[31] Washington himself favoured and advocated discrimination; he ‘counseled blacks to remain in the south, to become economically self-sufficient, and to remain socially separate from whites’.[32] This may seem surprising but Washington believed that in order to make political progress, black Americans had first to make economic progress and gain economic control over their own lives.[33] To achieve this he advocated vocational training. By not promoting black suffrage or attacking Jim Crow, he avoided confrontation with whites. Although some whites saw in this movement a possibility for peaceful race relations, others saw Washington as affirming the inferior status of blacks that they believed in. While Washington’s eventual goal was integration and equalit y, his methods were too slow for many critics like Du Bois, who thought that black Americans ‘should not have to sacrifice their constitutional rights in order to achieve a status that was already guaranteed’.[34] In addition, many blacks viewed him, because of his involvement with the political elite, as an ‘‘Uncle Tom’ who hung around condescending whites who did nothing for him or his people’.[35] During the so-called Great Boom of the 1920s, black Americans were largely exempt from the general prosperity.[36] The majority of black Americans still lived and worked as agricultural labourers in the south, where they were always the first to be laid off. Despite further northerly migrations, between 1910 and 1970 over 6 million blacks left the south, the economic and social conditions experienced by black Americans in the north remained of a lower standard but despite this still caused resentment amongst whites.[37] The Depression, beginning in 1929 saw 2 million black American farmers forced off the land, and in the general scramble for any employment they came off worst in competition with whites in the cities, where black unemployment was between 30-60%.[38] The resulting New Deal of Roosevelt, while tainted by discrimination in the south, offered aid to blacks in the form of jobs, housing, finance and skills training on an unprecedented scale. Many were for the first time abl e to become independent farmers or develop careers in entertainment and culture. Some white reactions to a perceived increased black assertiveness and the belief that Roosevelt was courting the potential black vote revealed continuing opposition to civil rights for black Americans who considered that such things would lead to the ‘mongrelisation of the American race’.[39] Even though the discrimination against black Americans goes back to the beginnings of American history, it should be emphasised that since changes towards a belief in equality in the status of blacks and whites in white thought became more widespread and it was no longer natural for whites to think of blacks as inferior, there has been an increasing option for whites to be non-discriminatory. The continuation of discrimination undoubtedly has many reasons that vary with the socio-economic locus of the discrimination. It is certain that discrimination, as well as being caused by sincerely held beliefs, is caused by tensions within societies and that groups tend to blame other groups for the problems that they suffer. It is also certain that experiences in war, increased assertiveness of black Americans and changes in their legal status inspired resentment, particularly amongst southern whites, at a changing world order. Discrimination could also be good for business, providing a pool of cheap labour to be exploited at work and in the provision of housing and blacks as well as whites discriminated. Perhaps in the end we are forced to conclude that black Americans faced discrimination between 1865 and 1939 because discrimination based on physical appearance, or on other factors, is quite normal to human behaviour. 1 [1] Goode, K.G. 1969. From Africa to the United States and then†¦ Glenview: Scott, Foresman and Co., 164; Brogan, H. 1999. The Penguin History of the USA. 2nd edition. London: Penguin, 644 [2] Brogan 1999, 106-7; Sanders, V. 2003. Race Relations in the USA since 1900. London: Hodder Stoughton, 7-10 [3] McPherson, J.M. 1964. The Struggle for Equality. Princeton: Princeton University Press, 134 [4] Brogan 1999, 107 [5] Goode 1969, 162 [6] Brogan 1999, 352; Goode 1969, 84 [7] Brogan 1999, 367 [8] Goode 1964, 164 [9] Brogan 1999, 352 [10] Goode 1964, 79 [11] Brogan, 1999 357-8 [12] Brogan 1999, 371 [13] Goode 1964, 165 [14] Brogan 1999, 371 [15] Goode 1964, 84-5, 138, 165 [16] Sanders 2003, 21 [17] Goode 1964, 167 [18] Goode 1964, 165 [19] Goode 1964, 112-3 [20] Brogan 1999, 479 [21] Brogan 1999, 368, 488 [22] Johnson, G.B. 1980. A Sociological Interpretation of the New Ku Klux Klan. In Pettigrew, T.F. (ed.) 1980. The Sociology of Race Relations. New York: The Free Press, 71. [Originally published in Social Forces 1 (May 1923), 440-45] [23] Johnson 1980 [24] Goode 1964, 117-120 [25] Moses, W.J. 1978. The Golden Age of Black Nationalism, 1850-1925. New York: Oxford University Press, 230 [26] Brogan 1999, 317 [27] Goode 1964, 119-20 [28] Johnson, G.B. 1980b. The Negro Migration and Its Consequences. In Pettigrew, T.F. (ed.) 1980. The Sociology of Race Relations. New York: The Free Press, 79. [Originally published in Social Forces 2 (March 1924), 404-08] [29] Sanders 2003, 21-2 [30] Goode 1964, 120 [31] Sanders 2003, 25-32 [32] Goode 1964, 103 [33] Brogan 1999, 371 [34] Goode 1964, 105 [35] Sanders 2003, 30 [36] Lowe, N. 1982. Mastering Modern World History. London: Macmillan, 79 [37] Sanders 2003, 35-6 [38] Sanders 2003, 40 [39] Sanders 2003, 42

A rose for emily character analysis Essay -- essays research papers

Pity for Emily   Ã‚  Ã‚  Ã‚  Ã‚  In the short story A Rose for Emily, by William Faulkner there is a very interesting character. Her Name is Emily Grierson and she is a rich southern gentile. All her life it seems that she was raised at a standard that was above the rest. By living such a secluded and controlled life it set her up for the happenings in her future.   Ã‚  Ã‚  Ã‚  Ã‚  When her father passed away she had nobody to tell her what to do and how to act. This was very devastating and she had a hard time dealing with change. So much so that she wouldn't let the police take the body of her father out of the house for three days after his death. The only thing that was constant in her house was the slave that was bound to serve her.   Ã‚  Ã‚  Ã‚  Ã‚  In this writing I feel that the author takes an outside look at Emily to let you make your own decisions about her. This is a very good way of doing it because it leaves you with an open-ended judgment. You may feel a variety of ways about her, the first being that she is completely psychotic. This is the first and easiest conclusion to come up with. If you weren’t reading with much thought and analyzing the character it would be easy to feel this way. The second emotion is the strongest I feel about her, this would be pity for her. Leading a life that is mapped out for you by someone would not be a hard task.   Ã‚  Ã‚  Ã‚  Ã‚  In the â€Å"old south† when this story takes plac...

Buddhism :: essays research papers

Buddhism: Things I Find Interesting As I was reading the selected portions of the book for this chapter, I came across a few things that I found interesting. At first I did not catch them, but after I went back and reread the selections, I found these things, that I thought were intriguing. Buddhism is supposedly a non-theistic religion. However, in the reading titled "The Majjhim-Nikaya: Questions Which Lend Not to Edification" (5.1) and in "Realizing the Four Noble Truths" (5.3, the Buddha is continually referred to as "The Blessed One". If he is only a man, why is he referred to in such a way? Other Buddhists have the potential to become Buddhas, so would they also be referred to as "Blessed One"? If this Buddha was not the first, and not the last Buddha, why are other Buddhas also not referred to as "Blessed ones"? In my opinion, if this Buddha is not considered to be a god, then he should at least be referred to as "One of the Blessed Ones" instead of "The Blessed One". Another concept that I found interesting was the idea of duality that was discussed in "The Majjhima-Nikaya: Questions Which Lend Not to Edification" (5.1). I do not quite understand it, so I was intrigued it. The selection says that the soul and body are identical, and then that the soul and body are separate. It says that the world is finite and that the world is infinite. It also says that the world is eternal and then that it is not. How can these things be? I do not understand how the saint can both exist and not exist after death. I think that in my worldview, things such as these concepts are not present. I see ideas such as the world, and the body and soul as one way or the other.

Three Sociological Perspectives :: Sociology Functionalist Conflict Interactionist

Three Sociological Perspectives This paper discusses three approaches that can be taken when studying Sociology. There are many subjects to be studied and discussed in the field of Sociology, and the approach chosen to study a particular subject is called a perspective. There are three different perspectives, and they are functionalist, conflict, and interactionist perspectives. This paper compares and contrasts these different perspectives with one another. When studying in the field of Sociology everyone is going to approach topics in a different manner. No two people are going to have the exact same view on a particular subject. There are however, three major categories in which people might choose to approach topics. The approaches are know as sociological perspectives and are the functionalist, conflict, and interactionist perspectives. These perspectives name different ways in which different people choose to analyze a subject, and how they look at a society as a whole. The following paragraphs compare and contrast the three, and identify major characteristics of each. Functionalist Perspective Definition "The functionalist perspective is a sociological approach which emphasizes the way that parts of a society are structure to maintain its stability,"(Schaefer & Lamm, 1998). This perspective looks at a society in a positive manner and sees it as stable, with all the parts working together. Under the functionalist view every social aspect of a society contributes to the society's survival, and if not, the aspect is not passed to the next generation. Founders There are two people who where mainly involved in the development of the functionalist perspective, they are Emile Durkheim, Talcott Parsons. Durkheim contributed to the functionalist perspective when she was studying religion, and how it was responsible for people feeling solidarity and unity in groups. Parsons was a sociologist from Harvard University who was greatly influenced by Durkheim. In return, he influenced Sociology by dominating the field, with his functionalist views, for four decades (Schaefer & Lamm, 1998). Characteristics When approaching a subject with the functionalist perspective, manifest and latent functions as well as dysfunctions are looked at and studied. A manifest function of an institution is one that is stated and expected. A latent function is one that is unexpected or can show a hidden purpose of an institution, and a dysfunction is a component of a society that can cause instability (Rothman, 1998). These functions and dysfunctions are use in analyzing a society.

Expect more, get more

Finding the perfect match online promises to become simpler with the September 21 launching of moreProfiles.com, a website that hopes to become the hub of online dating services. With the help of powerful Web 2.0 software, moreProfiles’ president John Dahl and his associates have created a site that makes it easier for singles to search profiles, upload their own, do side-by-side comparisons—everything necessary find their perfect match. The website enlarges the selection pool by bringing together such major players in the online dating industry as Yahoo Personals, Match, American Singles, Love Happens, and True. moreProfiles.com gives the public free access to the 30 million profiles held separately by each of these dating websites, but all from one central web location. The charm and ingenuity of moreProfiles.com is the simplicity that comes with having to do only One Searchâ„ ¢ and to submit only One Profileâ„ ¢. Previously, singles interested in online dating have found that choosing a dating website often locks them into the relatively stagnant pool of users that belong to that one site. Simultaneously, it has effectively locked them out of several competing sites, any one of which has the potential to contain the one person that could match them completely. moreProfiles’ One Profileâ„ ¢ and One Searchâ„ ¢ solutions propose to remove the guesswork from choosing a dating service, as it brings all the top ones directly to the searcher. Just one search command probes the vaults of several of the most prominent dating websites, giving singles free and complete access to the profiles of millions and making it easier for them to find their match. In addition, the submission of just one profile gets singles’ information out to all the top dating websites, making it easier for matches to find them. Information integration is at the heart of moreProfiles’ mission. The key component of the One Searchâ„ ¢ and One Profileâ„ ¢ aspects of moreProfiles is its meta-search capability that reaches across company lines to bring all relevant information to searchers. It has been Dahl’s concern that singles should not be distracted by decisions about which online dating service to use.   He says, â€Å"The question shouldn't be ‘Which dating website is right for me?’ The question should be ‘Which person is right for me?’† He believes that it should be as simple to search online for a dating partner as it is has been to search for any thing else. In keeping with this, Dahl and his team have used meta-search technology to create a website that integrates all the browsing, searching, and comparison capabilities necessary for making perhaps the most important decision in a person’s life. To moreProfiles and its users, this unique service represents a long-overdue development in online dating services. The president and staff of moreProfiles.com are confident that the site fills a gaping hole in the world of online dating, and are sure that this will become evident in the coming months through an expected influx of singles to the site. Dahl says, â€Å"By offering a way to easily and intuitively browse all the top online dating websites simultaneously, we think a lot more people are going to take advantage of online dating to reach out and find that special someone.†   

Banks of India and Bank

Project Report On CUSTOMER SATISFACTION CORPORATE GUIDE FACULTY GUIDE Mr. Ravi Parmar Mr. Rajnish mallick Relationship Manager Submitted in Partial Fulfillment of the requirement of Post Graduate Diploma in management Submitted By Ankur Singh PGDM-III, Semester Batch- 2008-10 Roll no. 014908005 Centre for Management Technology Knowledge Park I Gr. Noida AcknowledgementsIf words are considered to be signs of gratitude then let these words Convey the very same My sincere gratitude to ICICI BANK for providing me with an opportunity to work with BANK and giving necessary directions on doing this project to the best of my abilities. I am highly indebted to Mr. Remay Verma, Branch Manager and Mr. Ravi Parmar (RM) company project guide, who has provided me with the necessary information and also for the support extended out to me in the completion of this report and his valuable suggestion and comments on bringing out this report in the best way possible. I also thank Prof.Anant Jyoti,(HO D of PGDM), who has sincerely supported me with the valuable insights into the completion of this project. I am grateful to all faculty members of C-Mat and my friends who have helped me in the successful completion of this project. | CONTENTS| | Sr. No. | Subject Covered| Page No. | 1| Acknowledgements| 2| 2| Executive Summary| 4| 3| My Project Objective| 7| 4| Banking Structure in India| 8| 5| Introduction| 9| 6| History of Banking in India| 10| 7| Bank In India| 17| 8| Fact Files of Banks in India| 19| 9| Indian Banking Industries| 26| 10| ICICI Bank | 28| 11| ICICI Group | 33| 2| Technology used in ICICI Bank| 39| 13| Product and Customer segments | 41| 11| Product| 44| 14| SWOT Analysis | 55| 15| Research Methodology| 57| 16| Company Efforts To Ensure Customer Satisfaction | 59| 17| Data Analysis | 69| 18| Comparison With SBI| 79| 19| SWOT Analysis(comparative)| 87| 20 | Questionnaire | 93| 21| Finding | 98| 22 | Suggestion | 99| 23 | Conclusion| 102| 24| Bibliography| 103| | E XECUTIVE SUMMARY Private banking is a concept which is new and fast emerging in the world of banking where changes have become a necessity in order for banks to survive n this competitive environment vis-a-vis not only from the public and private sector banks but also from the foreign banks. The objective of the research is to explore the various products, which a private banker deals into and the systematic process involved to match client requirements with the right kind of product. Through this research one of the main objectives is to explore the reason why most of the banks are injecting private banking as business profile to their set of service offerings. Though private banking evolved in late 80’s in Asia, in India its not more than 5 years old.ICICI started it in Aug 2002 and since then it has been a remarkable success. Today there are enormous solutions to cater client needs but what suits best to a client is where private banking fits in. Every client will have dif ferent needs, liking and preferences. So a customized portfolio for every client is the need of the day. This research will highlight more on the product portfolio of ICICI Private Banking, how they have changed or innovatively structured to be attractive and competitive. Research objective 1. To draw the comparative analysis of ICICI BANK Ltd with SBI etc. 2.To identify the major attributes of customer satisfaction. 3. To study customer perception about ICICI BANK Ltd. 4. To identify and study the various ways of ensuring customer satisfaction adopted by ICICI BANK Vs HDFC & SBI. ————————————————- BANKING STRUCTURE IN INDIA Scheduled Banks in India (A) Scheduled Commercial Banks Public sector Banks| Private sector Banks| Foreign Banks in India| Regional Rural Bank| (28)| (27)| (29)| (102)| * Nationalized Bank * Other Public Sector Banks (IDBI) * SBI and its Associates| * Old Private Banks * New Private Banks| | | B) Scheduled Cooperative Banks Scheduled Urban Cooperative Banks (55)| Scheduled State Cooperative Banks (31)| Here we more concerned about private sector banks and competition among them. Today, there are 27 private sector banks in the banking sector: 19 old private sector banks and 8 new private sector banks. These new banks have brought in state-of-the-art technology and aggressively marketed their products. The Public sector banks are facing a stiff competition from the new private sector banks.The banks which have been setup in the 1990s under the guidelines of the Narasimham Committee are referred to as NEW PRIVATE SECTOR BANKS. introduction The banking section will navigate through all the aspects of the Banking System in India. It will discuss upon the matters with the birth of the banking concept in the country to new players adding their names in the industry in coming few years. The banker of all banks, Reserve Bank of India (RBI ), the Indian Banks Association (IBA) and top 20 banks like IDBI, HSBC, ICICI, ABN AMRO, etc. as been well defined under three separate heads with one page dedicated to each bank. However, in the introduction part of the entire banking cosmos, the past has been well explained under three different heads namely: * History of Banking in India * Nationalization of Banks in India * Scheduled Commercial Banks in India The first deals with the history part since the dawn of banking system in India. Government took major step in the 1969 to put the banking sector into systems and it nationalized 14 private banks in the mentioned year. This has been elaborated in Nationalization Banks in India.The last but not the least explains about the scheduled and unscheduled banks in India. Section 42 (6) (a) of RBI Act 1934 lays down the condition of scheduled commercial banks. The descriptions along with a list of scheduled commercial banks are given on this page. * HISTORY OF BANKING IN INDIA Witho ut a sound and effective banking system in India it cannot have a healthy economy. The banking system of India should not only be hassle free but it should be able to meet new challenges posed by the technology and any other external and internal factors.For the past three decades India's banking system has several outstanding achievements to its credit. The most striking is its extensive reach. It is no longer confined to only metropolitans or cosmopolitans in India. In fact, Indian banking system has reached even to the remote corners of the country. This is one of the main reasons of India's growth process. The government's regular policy for Indian bank since 1969 has paid rich dividends with the nationalization of 14 major private banks of India.Not long ago, an account holder had to wait for hours at the bank counters for getting a draft or for withdrawing his own money. Today, he has a choice. Gone are days when the most efficient bank transferred money from one branch to oth er in two days. Now it is simple as instant messaging or dial a pizza. Money have become the order of the day. The first bank in India, though conservative, was established in 1786. From 1786 till today, the journey of Indian Banking System can be segregated into three distinct phases. They are as mentioned below: * Early phase from 1786 to 1969 of Indian Banks Nationalization of Indian Banks and up to 1991 prior to Indian banking sector Reforms. * New phase of Indian Banking System with the advent of Indian Financial ; Banking Sector Reforms after 1991. To make this write-up more explanatory, I prefix the scenario as Phase I, Phase II and Phase III. Phase I The General Bank of India was set up in the year 1786. Next came Bank of Hindustan and Bengal Bank. The East India Company established Bank of Bengal (1809), Bank of Bombay (1840) and Bank of Madras (1843) as independent units and called it Presidency Banks.These three banks were amalgamated in 1920 and Imperial Bank of India wa s established which started as private shareholders banks, mostly Europeans shareholders. In 1865 Allahabad Bank was established and first time exclusively by Indians, Punjab National Bank Ltd. was set up in 1894 with headquarters at Lahore. Between 1906 and 1913, Bank of India, Central Bank of India, Bank of Baroda, Canara Bank, Indian Bank, and Bank of Mysore were set up. Reserve Bank of India came in 1935. During the first phase the growth was very slow and banks also experienced periodic failures between 1913 and 1948.There were approximately 1100 banks, mostly small. To streamline the functioning and activities of commercial banks, the Government of India came up with The Banking Companies Act, 1949 which was later changed to Banking Regulation Act 1949 as per amending Act of 1965 (Act No. 23 of 1965). Reserve Bank of India was vested with extensive powers for the supervision of banking in India as the Central Banking Authority. During those day’s public has lesser confi dence in the banks. As an aftermath deposit mobilization was slow. Abreast of it the savings bank facility provided by the Postal department was comparatively safer.Moreover, funds were largely given to traders. Phase II Government took major steps in this Indian Banking Sector Reform after independence. In 1955, it nationalized Imperial Bank of India with extensive banking facilities on a large scale especially in rural and semi-urban areas. It formed State Bank of India to act as the principal agent of RBI and to handle banking transactions of the Union and State Governments all over the country. Seven banks forming subsidiary of State Bank of India was nationalized in 1960 on 19th July, 1969, major process of nationalization was carried out.It was the effort of the then Prime Minister of India, Mrs. Indira Gandhi. 14 major commercial banks in the country was nationalized. Second phase of nationalization Indian Banking Sector Reform was carried out in 1980 with seven more banks. T his step brought 80% of the banking segment in India under Government ownership. The following are the steps taken by the Government of India to Regulate Banking Institutions in the Country: * 1949: Enactment of Banking Regulation Act. * 1955: Nationalization of State Bank of India. * 1959: Nationalization of SBI subsidiaries. 1961: Insurance cover extended to deposits. * 1969: Nationalization of 14 major banks. * 1971: Creation of credit guarantee corporation. * 1975: Creation of regional rural banks. * 1980: Nationalization of seven banks with deposits over 200 crore. After the nationalization of banks, the branches of the public sector bank India rose to approximately 800% in deposits and advances took a huge jump by 11,000%. Banking in the sunshine of Government ownership gave the public implicit faith and immense confidence about the sustainability of these institutions. Phase IIIThis phase has introduced many more products and facilities in the banking sector in its reforms me asure. In 1991, under the chairmanship of M Narasimham, a committee was set up by his name which worked for the liberalization of banking practices. The country is flooded with foreign banks and their ATM stations. Efforts are being put to give a satisfactory service to customers. Phone banking and net banking is introduced. The entire system became more convenient and swift. Time is given more importance than money. The financial system of India has shown a great deal of resilience.It is sheltered from any crisis triggered by any external macroeconomics shock as other East Asian Countries suffered. This is all due to a flexible exchange rate regime, the foreign reserves are high, the capital account is not yet fully convertible, and banks and their customers have limited foreign exchange exposure. BANKS IN INDIA In India the banks are being segregated in different groups. Each group has their own benefits and limitations in operating in India. Each has their own dedicated target ma rket. Few of them only work in rural sector while others in both rural as well as urban.Many even are only catering in cities. Some are of Indian origin and some are foreign players. All these details and many more is discussed over here. The banks and its relation with the customers, their mode of operation, the names of banks under different groups and other such useful information’s are talked about. One more section has been taken note of is the upcoming foreign banks in India. The RBI has shown certain interest to involve more of foreign banks than the existing one recently. This step has paved a way for few more foreign banks to start business in India. Major Banks in India| ABN-AMRO Bank * Abu Dhabi Commercial Bank * American Express Bank * Andhra Bank * Allahabad Bank * Bank of Baroda * Bank of India * Bank of Maharastra * Bank of Punjab * Bank of Rajasthan * Bank of Ceylon * BNP Paribas Bank * Canara Bank * Catholic Syrian Bank * Central Bank of India * Centurion Ban k * China Trust Commercial Bank * Citi Bank * City Union Bank * Corporation Bank * Dena Bank * Deutsche Bank * Development Credit Bank * Dhanalakshmi Bank * Federal Bank * HDFC Bank * HSBC ICICI Bank * IDBI Bank * Indian Bank | * Indian Overseas Bank * IndusInd Bank * ING Vysya Bank * Jammu ; Kashmir Bank * JPMorgan Chase Bank * Karnataka Bank * Karur Vysya Bank * Laxmi Vilas Bank * Oriental Bank of Commerce * Punjab National Bank * Punjab ; Sind Bank * Scotia Bank * South Indian Bank * Standard Chartered Bank * State Bank of India (SBI) * State Bank of Bikaner ; Jaipur * State Bank of Hyderabad * State Bank of Indore * State Bank of Mysore * State Bank of Saurastra * State Bank of Travancore * Syndicate Bank * Taib Bank * UCO Bank * Union Bank of India * United Bank of India * United Bank Of India * United Western Bank * UTI Bank | Fact Files of Banks in India The first, the oldest, the largest, the biggest, get all such types of information’s about Banking in India in this section. The first bank in India to be given an ISO Certification| Canara Bank| The first bank in Northern India to get ISO 9002 certification for their selected branches| Punjab and Sind Bank| The first Indian bank to have been started solely with Indian capital| Punjab National Bank| The first among the private sector banks in Kerala to become a scheduled bank in 1946 under the RBIAct| South Indian Bank| India's oldest, largest and most successful commercial bank, offering the widest possible range of domestic, international and NRI products and services, through its vast network in India and overseas| State Bank of India| India's second largest private sector bank and is now the largest scheduled commercial bank in India| The Federal Bank Limited| Bank which started as private shareholders banks, mostly Europeans shareholders| Imperial Bank of India| The first Indian bank to open a branch outside India in London in 1946 and the first to open a branch in continental Europe at Pari s in 1974| Bank of India, founded in 1906 in Mumbai| The oldest Public Sector Bank in India having branches all over India and serving the customers for the last 132 years| Allahabad Bank| The first Indian commercial bank which was wholly owned and managed by Indians| Central Bank of India| | | Bank of India was founded in 1906 in Mumbai. It became the first Indian bank to open a branch outside India in London in 1946 and the first to open a branch in continental Europe at Paris in 1974. PUBLIC SECTOR BANKS Among the Public Sector Banks in India, United Bank of India is one of the 14 major banks, which were nationalized on July 19, 1969. Its predecessor, in the Public Sector Banks, the United Bank of India Ltd. , was formed in 1950 with the amalgamation of four banks viz. Camilla Banking Corporation Ltd. (1914), Bengal Central Bank Ltd. (1918), Camilla Union Bank Ltd. (1922) and Hooghly Bank Ltd. (1932).Oriental Bank of Commerce (OBC), Government of India Undertaking offers Domestic , NRI and Commercial banking services. OBC is implementing a GRAMEEN PROJECT in Dehradun District (UP) and Hanumangarh District (Rajasthan) disbursing small loans. This Public Sector Bank India has implemented 14 point action plan for strengthening of credit delivery to women and has designated 5 branches as specialized branches for women entrepreneurs. The following are the list of Public Sector Banks in India * Allahabad Bank * Andhra Bank * Bank of Baroda * Bank of India * Bank of Maharastra * Canara Bank * Central Bank of India * Corporation Bank * Dena Bank * Indian Bank * Indian Overseas Bank * Oriental Bank of Commerce Punjab ; Sind Bank * Punjab National Bank * Syndicate Bank * UCO Bank * Union Bank of India * United Bank of India * Vijaya Bank List of State Bank of India and its subsidiary, a Public Sector Banks * State Bank of India * State Bank of Bikaner ; Jaipur * State Bank of Hyderabad * State Bank of Indore * State Bank of Mysore * State Bank of Saurastra * State Ban k of Travancore PRIVATE SECTOR BANKS: Private banking in India was practiced since the beginning of banking system in India. The first private bank in India to be set up in Private Sector Banks in India was IndusInd Bank. It is one of the fastest growing Bank Private Sector Banks in India.IDBI ranks the tenth largest development bank in the world as Private Banks in India and has promoted world class institutions in India. The first Private Bank in India to receive an in principle approval from the Reserve Bank of India was Housing Development Finance Corporation Limited, to set up a bank in the private sector banks in India as part of the RBI's liberalization of the Indian Banking Industry. It was incorporated in August 1994 as HDFC Bank Limited with registered office in Mumbai and commenced operations as Scheduled Commercial Bank in January 1995. ING Vysya, yet another Private Bank of India was incorporated in the year 1930. Bangalore has a pride of place for having the first bran ch inception in the year 1934.With successive years of patronage and constantly setting new standards in banking, ING Vysya Bank has many credits to its account. List of Private Banks in India * Bank of Punjab * Bank of Rajasthan * Catholic Syrian Bank * Centurion Bank * City Union Bank * Dhanalakshmi Bank * Development Credit Bank * Federal Bank * HDFC Bank * ICICI Bank * IDBI Bank * IndusInd Bank * ING Vysya Bank * Jammu & Kashmir Bank * Karnataka Bank * Karur Vysya Bank * Laxmi Vilas Bank * South Indian Bank * United Western Bank INDIAN BANKING INDUSTRY The Indian banking market is growing at an astonishing rate, with Assets expected to reach US$1 trillion by 2010.An expanding economy, middle class, and technological innovations are all contributing to this growth. The country’s middle class accounts for over 320 million People. In correlation with the growth of the economy, rising income levels, increased standard of living, and affordability of banking products are promi sing factors for continued expansion. The Indian banking market is growing at an astonishing rate, with Assets expected to reach US$1 trillion by 2010. An expanding economy, middle class, and technological innovations are all contributing to this growth. The Indian banking Industry is in the middle of an IT revolution, Focusing on the expansion of retail and rural banking.Players are becoming increasingly customer – centric in their approach, which has resulted in innovative methods of offering new banking products and services. Banks are now realizing the importance of being a big player and are beginning to focus their attention on mergers and acquisitions to take advantage of economies of scale and/or comply with Basel II regulation. â€Å"Indian banking industry assets are expected to reach US$1 trillion by 2010 and are poised to receive a greater infusion of foreign capital,† says Prathima Rajan, analyst in Celent's banking group and author of the report. â€Å"T he banking industry should focus on having a small number of large players that can compete globally rather than having a large number of fragmented players. † | |Type| Private, BSE & NSE, NYSE| Founded| 1955 (as Industrial credit and Investment corporation of India)| Headquarters| ICICI Bank Ltd. , ICICI Bank Towers, Bandra Kurla Mumbai, India| Key people| N Vaghul, K. V. Kamath, Chanda Kochhar, V Vaidyanathan, Madhabi Puri | Industry| Banking Insurance Capital Markets and allied industries| Products| Loans, Credit Cards, Savings, Investment vehicles, Insurance etc. | Revenue| ^ USD 5. 79 billion| Total assets| Rs. 3,997. 95 billion (US$ 100 billion) at March 31, 2008. | Overview ICICI Bank (formerly Industrial Credit and Investment Corporation of India).ICICI Limited was established in 1955 by the World Bank, the Government of India and the Indian Industry, for the promotion of industrial development in India by giving project and corporate finance to the industries in India . ICICI Bank has grown from a development bank to a financial conglomerate and has become one of the largest public financial institutions in India. ICICI Bank has financed all the major sectors of the economy, covering 6,848 companies and 16,851 projects. As of March 31, 2000, ICICI had disbursed a total of Rs. 1,13,070 crores, since inception. ICICI Bank Fact Files: Total assets: Rs. 146,214 crore (December 31, 2004) Network: 530 branches ATMs: Over 1,880 Abroad Subsidiaries: United Kingdom and Canada Abroad branches: Singapore and Bahrain Representative offices: United States, China, United Arab Emirates, and Bangladesh and South Africa.ICICI Bank is India's second-largest bank with total assets of about Rs. 2,513. 89 bn (US$ 56. 3 bn) at March 31, 2006 and profit after tax of Rs. 25. 40 bn (US$ 569 mn) for the year ended March 31, 2006 (Rs. 20. 05 bn (US$ 449 mn) for the year ended March 31, 2005). ICICI Bank has a network of about 614 branches and extension counters and over 2, 200 ATMs. ICICI Bank offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and through its specialized subsidiaries and affiliates in the areas of investment banking, life and non-life insurance, venture capital and asset management.ICICI Bank set up its international banking group in fiscal 2002 to cater to the cross border needs of clients and leverage on its domestic banking strengths to offer products internationally. ICICI Bank (BSE: ICICI) ( Industrial Credit and Investment Corporation of India) is India's largest private sector bank in market capitalization and second largest overall in terms of assets. Bank has total assets of about USD 100 billion (at the end of March 2008), a network of over 1,491 branches, 22 regional offices and 49 regional processing centers, about 4,485 ATMs (at the end of September 2008), and 24 million customers (at the end of July 2007).ICICI Bank offers a wide range o f banking products and financial services to corporate and retail customers through a variety of delivery channels and specialized subsidiaries and affiliates in the areas of investment banking, life and non-life insurance, venture capital and asset management. (These data are dynamic. ) ICICI Bank is also the largest issuer of credit cards in India. ICICI Bank has got its equity shares listed on the stock exchanges at Kolkata and Vadodara, Mumbai and the National Stock Exchange of India Limited, and its ADRs on the New York Stock Exchange (NYSE). The Bank is expanding in overseas markets and has the largest international balance sheet among Indian banks. ICICI Bank now has wholly-owned subsidiaries, branches and representatives offices in 18 countries, including an offshore unit in Mumbai.This includes wholly owned subsidiaries in Canada, Russia and the UK (the subsidiary through which the hisave savings brand is operated), offshore banking units in Bahrain and Singapore, an adviso ry branch in Dubai, branches in Belgium, Hong Kong and Sri Lanka, and representative offices in Bangladesh, China, Malaysia, Indonesia, South Africa, Thailand, the United Arab Emirates and USA. Overseas, the Bank is targeting the NRI (Non-Resident Indian) population in particular. ICICI reported a 1. 15% rise in net profit to Rs. 1,014. 21 crore on a 1. 29% increase in total income to Rs. 9,712. 31 crore in Q2 September 2008 over Q2 September 2007. The bank's current and savings account (CASA) ratio increased to 30% in 2008 from 25% in 2007.ICICI Bank currently has subsidiaries in the United Kingdom, Russia and Canada, branches in Singapore, Bahrain, Hong Kong, Sri Lanka and Dubai International Finance Center and representative offices in the United States, United Arab Emirates, China, South Africa and Bangladesh. Our UK subsidiary has established a branch in Belgium. ICICI Bank is the most valuable bank in India in terms of market capitalization. ICICI Bank's equity shares are list ed in India on the Bombay Stock Exchange and the National Stock Exchange of India Limited and its American Depositary Receipts (ADRs) are listed on the New York Stock Exchange (NYSE). ICICI Bank has formulated a Code of Business Conduct and Ethics for its Directors and employees.At June 5, 2006, ICICI Bank, with free float market capitalization of about Rs. 480. 00 billion (US$ 10. 8 billion) ranked third amongst all the companies listed on the Indian stock exchanges. ICICI Bank was originally promoted in 1994 by ICICI Limited, an Indian financial Institution, and was its wholly owned subsidiary. ICICI's shareholding in ICICI Bank was reduced to 46% through a public offering of shares in India in fiscal 1998, an equity offering in the form of ADRs listed on the NYSE in fiscal 2000, ICICI Bank's acquisition of Bank of Madura Limited in an all-stock amalgamation in fiscal 2001, and secondary market sales by ICICI to institutional investors in fiscal 2001 and fiscal 2002.ICICI was form ed in 1955 at the initiative of The World Bank, the Government of India and representatives of Indian industry. The principal objective was to create a development financial institution for Providing medium-term and long-term project financing to Indian businesses. In the 1990s, ICICI transformed its business from a development financial institution offering only project finance to a diversified financial service group offering a wide variety of products and services, both directly and through a number of subsidiaries and affiliates like ICICI Bank. In 1999, ICICI become the first Indian company and the first bank or financial institution from non-Japan Asia to be listed on the NYSE.In October 2001, the Boards of Directors of ICICI and ICICI Bank approved the merger of ICICI and two of its wholly owned retail finance subsidiaries, ICICI Personal Financial Services Limited and ICICI Capital Services Limited, with ICICI Bank. The merger was approved by shareholders of ICICI and ICICI Bank in January 2002, by the High Court of Gujarat at Ahmadabad in March 2002, and by the High Court of Judicature at Mumbai and the Reserve Bank of India in April 2002. Consequent to the merger, the ICICI group's financing and banking Operations, both wholesale and retail, have been integrated in a single entity. Free float holding excludes all promoter holdings, strategic investments and Cross holdings among  Ã‚  Ã‚   public sector entities. BUSINESS OBJECTIVES Vision To be the leading provider of financial services in India and a major global bank. Mission We will leverage our people, technology, speed and financial capital to: be the banker of first choice for our customers by delivering high quality, world-class service. * Expand the frontiers of our business globally. * Play a proactive role in the full realisation of India’s potential. * maintain a healthy financial profile and diversify our earnings across businesses and geographies. * Maintain high standards of gov ernance and ethics. * Contribute positively to the various countries and markets in which we operate. * Create value for our stakeholders. * Product and Services Service and banking of ICICI bank categorized in to personal banking, business banking and NRI banking services. Personal banking- Deposit in form of saving, recurring, term deposit, senior itizen deposit and children depository account are there for individual customer can also avail of their housing, automobile, farm equipment, business or personal loan scheme. Personal client can also invest in mutual funds and participate in stock trading through ICICI bank. Business banking  Ã¢â‚¬â€œ Business banking services of ICICI Bank are exhaustive. Project financing, deal assessment, and land evaluation are investment banking services offered to corporate clients. Global trade and cash management transaction services facilitate remittances and receipts across important cities. Capital market and custodial services enable busin ess houses to participate in equity trading and transfer across major stock markets of world.Customer ICICI bank targets all segment of customer with various types of products and services. I interacted with a a lot of customers and collect their feedback on the given services of company, and feedback are positive response from all point of view. Customers are beneficiary from both sides monetary as well as non monetary. The bank targets to add nearly 500,000 customers under the new scheme in the next one year and plans to offer auto loans through the new online channel in the future, ICICI Bank's Executive Director, V Vaidyanathan, said here. â€Å"As of now, nearly 24 per cent of our customer transactions are happening through internet.We are primarily targeting our urban customers, who constitute nearly 70 per cent of our total customer-base,† Vaidyanathan said. Customers, opting for the service can also benefit from the quantum optima facility, wherein if the balance exce eds Rs 5,000, the money will automatically be transferred to a fixed deposit scheme, he said. The facility, which also enable customers to transact between an ICICI Bank account and accounts in other banks, is being offered free of cost, he said ICICI bank, presently, has above 2 crore customers. The lender opened nearly 470 branches in the last fiscal. The lender has also plans to launch ‘SMS n Cash' scheme later this week under which ICICI account holders can transfer funds to those who do not have a bank account.ICICI bank is strongly committed to protecting the privacy of its customers and has taken all necessary and reasonable measures to protect the confidentiality of the customer information and its transmission through the world wide web and it shall not be held liable for disclosure of the confidential information when in accordance with this privacy commitment or in terms of the agreements, if any, with the customers. ICICI bank Endeavour’s to safeguard and en sure the security of the information provided by the customer. ICICI bank uses 128-bit encryption, for the transmission of the information, which is currently the permitted level of encryption in India.When the information provided by the customers is not transmitted through this encryption, the customer's system (if configured accordingly) will display an appropriate message ensuring the best level of secrecy for the customer's information. The customer would be required to cooperate with ICICI bank in order to ensure the security of the information, and it is recommended that the customers necessarily choose their passwords carefully such that no unauthorized access is made by a third party. To make the password complex and difficult for others to guess, the customers should use combination of alphabets, numbers and special characters (like! @, #, $ etc. ).The customers should undertake not to disclose their password to anyone or keep any written or other record of the password su ch that a third party could access it. * ICICI bank undertakes not to disclose the information provided by the customers to any person, unless such action is necessary to: * Conform to legal requirements or comply with legal process; * Protect and defend ICICI bank's or its affiliates rights, interests or property; * Enforce the terms and conditions of the products or services; or * Act to protect the interests of ICICI bank, its affiliates, or its members, constituents or of other persons. Competitor The main competitor of is ICICI bank is SBI because this bank is totally taken by government after this bank HDFC bank is the main competitor of ICICI bank .There are different types of segment operation semment, investment and services, demat and NRI services. The competitor from the operation segment are State Bank of India(SBI), Axis, Housing Development and Financial corporation(HDFC) etc. From the investment And service sector HDFC standard life insurance corporation, Bharati Axa life insurance ,Reliance Life Insurance Corporation, Max new work life insurance SBI Life insurance,Life Insurance Corporation of India. In demat section India bull,Anangram,SBI,HDFC,India Infoline are the main competitor of ICICI bank. In the NRI service section the Western Union bank is the main competitor of ICICI bank.There are some other company who also compete with the ICICI bank After the SBI the HDFC bank is the main competitor of ICICI bank. HDFC Bank Ltd. is a commercial bank of India, incorporated in August 1994, after the Reserve Bank of India allowed establishing private sector banks. The Bank was promoted by the Housing Development Finance Corporation, a premier housing finance company (set up in 1977) of India. HDFC Bank has 1,500 branches and over 2,890 ATMs, in 530 cities in India, and all branches of the bank are linked on an online real-time basis. As of September 30, 2008 the bank had total assets of INR 1006. 82 billion. State Bank of India is the largest bank in India.It is also, measured by the number of branch offices and employees, the second largest bank in the world. [citation needed] The bank traces its ancestry back through the Imperial Bank of India to the founding in 1806 of the Bank of Calcutta, making it the oldest commercial bank in the Indian Subcontinent. The Government of India nationalised the Imperial Bank of India in 1955, with the Reserve Bank of India taking a 60% stake, and renamed it the State Bank of India. In 2008, the Government took over the stake held by the Reserve Bank of India. SBI provides a range of banking products through its vast network in India and overseas, including products aimed at NRIs.With an asset base of $126 billion and its reach, it is a regional banking behemoth. SBI has laid emphasis on reducing the huge manpower through Golden handshake schemes and computerizing its operations. The State Bank Group, with over 16000 branches , has the largest branch network in India. It has a market share among Indian commercial banks of about 20% in deposits and advances, and SBI accounts for almost one-fifth of the nation’s loans. There are some other banks which gives challenging some how in the banking and service sectorthey are: * Allahabad Bank * Andhra Bank * Bank of Baroda * Bank of India * Bank of Maharashtra * Canara Bank * Central Bank of India Corporation Bank * Dena Bank * IDBI Bank * Indian Bank * Indian Overseas Bank * Oriental Bank of Commerce * Punjab & Sind Bank * Punjab National Bank * Syndicate Bank * UCO Bank * Union Bank of India * United Bank of India * Vijaya Bank Environment An employer the bank extends a lot of authority along with justified accountability to you. The working culture is very collaborative in nature. It can be owed to the fact that the bank is highly segmented with a lot of overlapping and mostly distinct roles and responsibility. ICICI Bank has established itself as a one stop solution (Universal Bank) for all financial need of indivi duals and institutions alike.The credit for the same can be attributed to its vast network, probably the largest among private sector banks. This makes the life of an employee a lot easier, especially for those who face the external customers. You do not have to justify your organization, it is only the product that has to be pitched. As far as employee benefits are concerned, ICICI Bank offers a lot of financial benefits ranging from your family health insurance to your kids school donations. The organization is sensitive to the needs of its employees as this quality is one of the building blocks (DNA) of the organizational culture. The organization will be giving you enough flexibility to innovate and come-up with new ideas.It will also exhibit its in terms of well laid systems, processes and infrastructure. It will extend a fast track growth for those with extraordinary talent at the same time offer stability to those who are able to deliver satisfactorily. Overall, I would say i t’s a lifetime experience to work with such a behemoth organization. It might not be the best paymaster but it definitely will impress you with its capability as the head master (Principal) of banking industry. there are huge competition between the eployee to achieve theo goal. BUSINESS OBJECTIVES: Vision To be the leading provider of financial services in India and a major global bank. Mission We will leverage our people, technology, speed and financial capital to: be the banker of first choice for our customers by delivering high quality, world-class service. * expand the frontiers of our business globally. * play a proactive role in the full realisation of India’s potential. * maintain a healthy financial profile and diversify our earnings across businesses and geographies. * maintain high standards of governance and ethics. * contribute positively to the various countries and markets in which we operate. * create value for our stakeholders. Product and Services Se rvice and banking of ICICI bank categorized in to personal banking, business banking and NRI banking services.Personal banking- Deposit in form of saving, recurring, term deposit, senior citizen deposit and children depository account are there for individual customer can also avail of their housing, automobile, farm equipment, business or personal loan scheme. Personal client can also invest in mutual funds and participate in stock trading through ICICI bank. Business banking  Ã¢â‚¬â€œ Business banking services of ICICI Bank are exhaustive. Project financing, deal assessment, and land evaluation are investment banking services offered to corporate clients. Global trade and cash management transaction services facilitate remittances and receipts across important cities. Capital market and custodial services enable business houses to participate in equity trading and transfer across major stock markets of world.CUSTOMER ICICI bank targets all segment of customer with various types of products and services. I interacted with a a lot of customers and collect their feedback on the given services of company, and feedback are positive response from all point of view. Customers are beneficiary from both sides monetary as well as non monetary. The bank targets to add nearly 500,000 customers under the new scheme in the next one year and plans to offer auto loans through the new online channel in the future, ICICI Bank's Executive Director, V Vaidyanathan, said here. â€Å"As of now, nearly 24 per cent of our customer transactions are happening through internet.We are primarily targeting our urban customers, who constitute nearly 70 per cent of our total customer-base,† Vaidyanathan said. Customers, opting for the service can also benefit from the quantum optima facility, wherein if the balance exceeds Rs 5,000, the money will automatically be transferred to a fixed deposit scheme, he said. The facility, which also enable customers to transact between an ICICI Bank account and accounts in other banks, is being offered free of cost, he said ICICI bank, presently, has above 2 crore customers. The lender opened nearly 470 branches in the last fiscal. The lender has also plans to launch ‘SMS n Cash' scheme later this week under which ICICI account holders can transfer funds to those who do not have a bank account.ICICI bank is strongly committed to protecting the privacy of its customers and has taken all necessary and reasonable measures to protect the confidentiality of the customer information and its transmission through the world wide web and it shall not be held liable for disclosure of the confidential information when in accordance with this privacy commitment or in terms of the agreements, if any, with the customers. ICICI bank Endeavour’s to safeguard and ensure the security of the information provided by the customer. ICICI bank uses 128-bit encryption, for the transmission of the information, which is currently the p ermitted level of encryption in India.When the information provided by the customers is not transmitted through this encryption, the customer's system (if configured accordingly) will display an appropriate message ensuring the best level of secrecy for the customer's information. The customer would be required to cooperate with ICICI bank in order to ensure the security of the information, and it is recommended that the customers necessarily choose their passwords carefully such that no unauthorized access is made by a third party. To make the password complex and difficult for others to guess, the customers should use combination of alphabets, numbers and special characters (like! @, #, $ etc. ). The customers should undertake not to disclose their password to anyone or keep any written or other record of the password such that a third party could access it. ICICI bank undertakes not to disclose the information provided by the customers to any person, unless such action is necessa ry to: * Conform to legal requirements or comply with legal process; * Protect and defend ICICI bank's or its affiliates rights, interests or property; * Enforce the terms and conditions of the products or services; or * Act to protect the interests of ICICI bank, its affiliates, or its members, constituents or of other persons. COMPETITOR The main competitor of is ICICI bank is SBI because this bank is totally taken by government after this bank HDFC bank is the main competitor of ICICI bank . There are different types of segment operation semment, investment and services, demat and NRI services. The competitor from the operation segment are State Bank of India(SBI), Axis, Housing Development and Financial corporation(HDFC) etc.From the investment And service sector HDFC standard life insurance corporation, Bharati Axa life insurance ,Reliance Life Insurance Corporation, Max new work life insurance SBI Life insurance,Life Insurance Corporation of India. In demat section India bull, Anangram,SBI,HDFC,India Infoline are the main competitor of ICICI bank. In the NRI service section the Western Union bank is the main competitor of ICICI bank. There are some other company who also compete with the ICICI bank After the SBI the HDFC bank is the main competitor of ICICI bank. HDFC Bank Ltd. is a commercial bank of India, incorporated in August 1994, after the Reserve Bank of India allowed establishing private sector banks.The Bank was promoted by the Housing Development Finance Corporation, a premier housing finance company (set up in 1977) of India. HDFC Bank has 1,500 branches and over 2,890 ATMs, in 530 cities in India, and all branches of the bank are linked on an online real-time basis. As of September 30, 2008 the bank had total assets of INR 1006. 82 billion. State Bank of India is the largest bank in India. It is also, measured by the number of branch offices and employees, the second largest bank in the world. [citation needed] The bank traces its ancestry ba ck through the Imperial Bank of India to the founding in 1806 of the Bank of Calcutta, making it the oldest commercial bank in the Indian Subcontinent.The Government of India nationalised the Imperial Bank of India in 1955, with the Reserve Bank of India taking a 60% stake, and renamed it the State Bank of India. In 2008, the Government took over the stake held by the Reserve Bank of India. SBI provides a range of banking products through its vast network in India and overseas, including products aimed at NRIs. With an asset base of $126 billion and its reach, it is a regional banking behemoth. SBI has laid emphasis on reducing the huge manpower through Golden handshake schemes and computerizing its operations. The State Bank Group, with over 16000 branches , has the largest branch network in India. It has a market share among Indian commercial banks of about 20% in deposits and advances, and SBI accounts for almost one-fifth of the nation’s loans.There are some other banks w hich gives challenging some how in the banking and service sectorthey are: * Allahabad Bank * Andhra Bank * Bank of Baroda * Bank of India * Bank of Maharashtra * Canara Bank * Central Bank of India * Corporation Bank * Dena Bank * IDBI Bank * Indian Bank * Indian Overseas Bank * Oriental Bank of Commerce * Punjab & Sind Bank * Punjab National Bank * Syndicate Bank * UCO Bank * Union Bank of India * United Bank of India * Vijaya Bank ENVIRONMENT An employer the bank extends a lot of authority along with justified accountability to you. The working culture is very collaborative in nature. It can be owed to the fact that the bank is highly segmented with a lot of overlapping and mostly distinct roles and responsibility.ICICI Bank has established itself as a one stop solution (Universal Bank) for all financial need of individuals and institutions alike. The credit for the same can be attributed to its vast network, probably the largest among private sector banks. This makes the life of an employee a lot easier, especially for those who face the external customers. You do not have to justify your organization, it is only the product that has to be pitched. As far as employee benefits are concerned, ICICI Bank offers a lot of financial benefits ranging from your family health insurance to your kids school donations. The organization is sensitive to the needs of its employees as this quality is one of the building blocks (DNA) of the organizational culture.The organization will be giving you enough flexibility to innovate and come-up with new ideas. It will also exhibit its in terms of well laid systems, processes and infrastructure. It will extend a fast track growth for those with extraordinary talent at the same time offer stability to those who are able to deliver satisfactorily. Overall, I would say it’s a lifetime experience to work with such a behemoth organization. It might not be the best paymaster but it definitely will impress you with its capabili ty as the head master (Principal) of banking industry. there are huge competition between the eployee to achieve theo goal. TECHNOLOGY ICICI use many type of advance technological software like Pinnacle 7. 0 and Pinnacle7. 016.Among from this software ICICI bank uses the e-banking, core banking, mobile banking electronic display sy ICICI Bank was using Teradata for its data warehouse. However, due to its proprietary hardware, the cost of procurement, upgrades and administration was soaring. The closed box architecture of Teradata imposed restrictions on scalability. Secondly, querying and loading could not happen simultaneously. Queries could only be run during business hours because the loading of data had to take place during off-business hours. This meant that the refresh rate of EDW was delayed, so queries may not reflect the most current data. ICICI Bank was also dependent on Teradata for support and other activities: The bank was completely tied down to that solution.These iss ues compelled ICICI Bank to look for more efficient and flexible solutions. The solution would have to address not only current issues, but accommodate future growth expectations and business requirements. ICICI Bank evaluated numerous data warehousing solutions in the pursuit of solving its issues, and developed a shortlist of alternatives for its migration proof-of-concept: Sybase, SAS and Netezza. The primary criteria for evaluation was the price-to-performance ratio where Sybase IQ emerged the clear winner. During this rigorous testing, Sybase IQ delivered faster results on independent hardware and operating systems with minimum infrastructure.Commending the improvements achieved, Amit Sethi, Joint General Manager, ICICI bank says, â€Å"What impressed us wasthat even with overall lower costs, we could achieve significantly better query performanceafter implementing the Sybase enterprise warehouse solution. † ICICI Infotech today launched an enterprise resource planning ( ERP) solution for the small and medium enterprises. The ERP package – Orion Advantage – comes bundled with an HP dual processor Xeon server, Oracle 9i database, Windows 2003 server and costs about Rs 9. 90 lakh and has a 15-user license. An ERP package helps a manufacturer or any other business implementing it to manage all the important parts in the company such as product planning, parts purchasing, maintaining inventory and interacting with suppliers and customers.ICICI Infotech officials told a press conference here today that Orion Advantage offered a set of business practice solutions for industry segments such as engineering, auto ancillary, pharmaceuticals, chemicals and IT distribution. Besides the cost advantage, the ERP package also came pre-configured. ICICI Infotech had mapped the processes specific to each industry segment into the package. Mr. Manoj Kunkalienkar, Executive Director and President, ICICI Infotech, said that small and medium enterprises (SM Es) offered a good market and ICICI Infotech hoped to become a leading solution provider to this segment. Mr. R. K. Kanthi, Deputy General Manager, ICICI Infotech, said there was no ERP package for the SMEs that bundled the server, database and operating system right now.That was the advantage ICICI Infotech offered to SMEs as Orion Advantage came bundled and pre-configured. Besides the high cost of generic ERP packages, their implementation time as far as SMEs were concerned was also long. Orion Advantage could be installed in 45 days. ICICI Infotech had signed up six customers so far for the package and hoped to garner a 15 per cent market share of the SME segment, whose number in the country was estimated at 2. 30 lakh. Mr. K. S. Natarajan, Managing Director, Trident Pneumatics Pvt Ltd of Coimbatore, one of the companies that had installed Orion Advantage, said that the company had tried three other ERP packages, all of which had failed, before settling on Orion Advantage.Mr Kunk alienkar said that ICICI Infotech planned to move the two development centers in Chennai into a single location and double the staff strength from 300 now in the next two years. The Chennai centers were involved in research and development of Orion ERP solutions and Premia, an insurance package. ERP Systems Integration Pinnacle Software Solutions has the expertise and experience to assist you with your enterprise systems integration. From developing your strategy, through implementation and support, we bring the right combination of resources, management skillsets, and technical know-how. We will help you successfully integrate your  Enterprise Resource Planning (ERP)  systems into your overall business and technology infrastructure.Whether you are planning an upgrade of an existing ERP system, or a complete replacement of a legacy application and platform, we can help you improve your financial, human resources, electronic mail, and other business systems. We work with the lead ing ERP systems, including the latest versions of the Oracle and PeopleSoft applications: ? General Ledger| ? Project Costing| ? Accounts Payable| ? Human Resources| ?   Accounts Receivable| ? Payroll| ? Purchasing| ? Benefits| ? Asset Management| ? Compensation| Our technology management solutions will help you migrate hardware platforms, improve network and database performance, develop or refresh policies and rocedures, and develop sound disaster recovery and backup solutions. Please contact us to learn how Pinnacle Software Solutions can help you develop â€Å"solutions that fit†Ã‚  your enterprise. ICICI Prudential Life Insurance Company Limited ICICI Prudential life Insurance Company Limited was incorporated on 20th July 2000. The authorized capital of the company is Rs. 2300 million and the paid up capital is Rs. 1500 million. The company is joint venture of ICICI (74%) and UK based company Prudential Plc (26%). The company was granted certificate of registration for carrying business, by Insurance Regulatory and Development Authority on 24th November 2000.It commenced commercial operation from 19th December 2000 and becoming a leading private sector life insurance company. The company recognizes that the driving force for gaining sustainable competitive advantage in this business is superior customer experience and investment behind the brand. The company aims to achieve this by striving to provide world class service level trough constant innovation in product, distribution channels and technology based delivery. Vision and Mission Their vision is to make ICICI Prudential Life Insurance Company the dominant new insurer in the life insurance industry. This they hope to achieve through their commitment to excellence, focus on service, speed and innovation, and leveraging our technological expertise.The success of the organisation will be founded on its strong focus on values and clarity of purpose. These include: *   Understanding the needs o f customers and offering them superior products and service *   Building long lasting relationships with their partners *   Providing an enabling environment to foster growth and learning for their employees And above all building transparency in all our dealings. They believe that they can play a significant role in redefining and reshaping the sector. Given the quality of their parentage and the commitment of their team, they feel that tere will be no limits to their growth. Board of DirectorsThe ICICI Prudential Life Insurance Company Limited Board comprises reputed people from the finance industry both from India and abroad. Shri K. V. Kamath, Chairman Mr. Mark Tucker Smt. Lalita D. Gupte Mr. Danny Bardin Mrs. Kalpana Morparia Shri M. P. Modi Mr. John Caouette Shri S. P. Subhedar, (Alternate Director to Mr. Danny Bardin)   Mr. Derek Stott, (Alternate Director to Mr. Mark Tucker) Smt. Shikha Sharma, Managing Director Management Team Ms. Shikha Sharma, Managing Director Mr. Kevin Wright, Executive Vice President – Sales & Distribution Ms. Madhavi Soman, Chief – Strategic Initiatives Mr. V. Rajagopalan, Appointed Actuary Mr. Sandeep Batra, Chief Financial Officer & Company Secretary Mr.Saugata Gupta, Chief – Marketing & Service Mr. Shubhro J. Mitra, Chief – Human Resources Corporate Office: ICCI Prulife Towers, 1089, Appasahab Marathe Marg, Prabhadevi, Mumbai 400 025. Telephone Number: 022-462 1600 Website :  www. iciciprulife. com ICICI Lombard General Insurance Company ICICI Lombard  General Insurance Company Limited is a 74:26 joint venture between ICICI Bank Limited and Canada based  Fairfax Financial Holdings  Limited. ICICI Bank  is India's second largest bank, while  Fairfax Financial Holdings  is a diversified financial corporate engaged in general  insurance,  reinsurance, insurance claims management and  Investment management.Lombard Canada Ltd, a group company of Fairfax Financial Holdings Limit ed, is one of Canada's oldest property and casualty insurers. ICICI Lombard General Insurance Company received regulatory approvals to commence general insurance business in August 2000. Board Members * Mr K V Kamath, Chairman * Mr R Athappan, Director * Mr B V Bhargava, Director * Mr Dileep Choksi, Director * Mr James F Dowd, Director * Ms Lalita D Gupte, Director * Ms Kalpana Morparia, Director * Mr S Mukherji, Director * Mr Chandran Ratnaswami, Director * Mr H N Sinor, Director * Mr Sandeep Bakhshi, Managing Director & CEO Audit Committee * Mr. S Mukherji, Chairman * Mr. Dileep Choksi, Director * Mr. James F Dowd, Director * Mr. H. N. Sinor, Director Investment Committee * Mr.Chandran Ratnaswami, Chairman * Ms. Kalpana Morparia, Director * Mr. Sandeep Bakhshi,, Managing Director & CEO * Mr. S Gopalakrishnan, Head – Investments * Mr. Rakesh Jain, Head-Finance & Accounts * Mr. Liyaquat Khan, Appointed Actuary Board Governance Committee * Ms. Kalpana Morparia, Chairperson * M r. Chandran Ratnaswami, Director * Mr. H. N. Sinor, Director Retail Segment of ICICI Lombard General Insurance : ICICI Lombard's Retail Segment consists of personal insurance products – Health, Home, Motor and Travel insurances. Health Insurance ICICI Lombard is known to be a pioneer in introducing innovative concepts in the Indian health Insurance sector.Be it the floater concept, the critical illness cover or the tax gain policy, all these were first introduced by ICICI Lombard. It was also one of the first general insurance companies in India to have a robust online system in place for buying and renewing policies. The various plans offered by ICICI Lombard include  Family Floater Plan  Ã¢â‚¬â€œ where one policy covers the entire family,  Health Advantage Plus  Ã¢â‚¬â€œ where they cover OPD and dental expenses, also help save maximum tax under section 80D and  Critical Illness plan  Ã¢â‚¬â€œ a special policy covering a list of critical illnesses. They also have a basic  Personal Accident Plan  which covers against accidents. ICICI Lombard health plans also provide coverage against terrorism. Home InsuranceHome Insurance is actually one of the most neglected areas in the general insurance category. Simply, because people in general, especially in India, do not give much importance to it. However, in the recent years, due to the increase in awareness, and the great extent of damage caused to property due to natural calamities and terrorism, it has been gaining importance. The  Home Insurance Policyoffered by ICICI Lombard covers both the structure and the contents of the house. You can opt for either of the covers or both. Unlike other policies, it also covers damage due to terrorist activities, loss of cash, public liability, temporary resettlement and others. Motor InsuranceAs Motor Insurance is mandatory in India and is governed by the Motor Tariff Act, the policies offered by various companies are more or less the same. There is n ot much room for innovation in this category. ICICI Lombard too offers  Car Insurance  and  Two Wheeler Insurance. They are known to offer one of the best rates in the market. As the entire buying process is online and is instant, without any submission of documents or other formalities, people generally opt it for convenience. Travel Insurance Travel insurance is one of the most prominent sector of general insurance, especially overseas travel insurance and student medical insurance. ICICI Lombard offers various options in both the categories.The  Overseas Travel Plans  and  Student Medical Plans  offered cover medical and non-medical expenses, including compensation for flights hijacked and pre existing diseases in case of emergency. They charge on a per day basis if the travel is more than 7 days. ICICI Lombard has tied up with  United Health Group  to facilitate access to all its clinics while in U. S. The  Student Medical Plans  are accepted in almost univ ersities worldwide. They also have a section in their website,  University Search, where one can find specific plans for specific universities. All the above retail policies can be bought online, without any documentation through their website  www. icicilombard. com  . One can not only buy, but also manage and renew their insurance policies online. NRI ServicesICICI Lombard has developed insurance policies for  Non-resident Indians  that can be bought, renewed and tracked online. Parents' Health Insurance covers hospitalization and medical expenses incurred by parents of the policyholder in India. For parents' travelling outside India, ICICI Lombard offers a Parents' Overseas Travel Insurance policy. An  NRI  can insure his children/ dependents travelling abroad to study, under the Student Medical Insurance plan. Likewise, the Home Insurance and Car Insurance schemes enables an  NRI  to secure his assets in India. Channels Channel is the term used for the various approaches a company uses to tap its customers.ICICI Lombard uses a multi channel approach to ensure the sales, service and other allied activities are carried out in the most effective manner. Retail The Retail channel consists of sales executves, sales officers, brokers and agents. They are the one who are in direct contact with the customers and bring the innovative insurance solutions to their doorsteps. Online ICICI Lombard has developed a web-based system to meet all the pre and post-policy transaction. One can get quotes, buy, renew and track their policies onlin e through the website [www. icicilombard. com]. With the do-it-yourself architecture, the online channel is fast, convenient, easy to understand and operate. Technology ICICI use many type of advance technological software like Pinnacle 7. and Pinnacle7. 016. Among from this software ICICI bank uses the e-banking, core banking, mobile banking electronic display sy ICICI Bank was using Teradata for its data warehouse. However, due to its proprietary hardware, the cost of procurement, upgrades and administration was soaring. The closed box architecture of Teradata imposed restrictions on scalability. Secondly, querying and loading could not happen simultaneously. Queries could only be run during business hours because the loading of data had to take place during off-business hours. This meant that the refresh rate of EDW was delayed, so queries may not reflect the most current data.ICICI Bank was also dependent on Teradata for support and