...teaching a girl would be a meaningless financial burden. The vast majority still believes in the male child for earning the bread and butter. This trend is more prominent in the rural areas. 45 percent less girls get enrolled in school in rural areas than those in urban areas. However, there is only a 10 percent gap between the enrolment rates of men in rural and urban areas. These figures clearly exhibit the existence of a gender...
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...The Impact of Financial Education in High School and College On Financial Literacy and Subsequent Financial Decision Making by Lewis Mandell Kermit O. Hanson Visiting Professor of Finance and Business Economics Foster School of Business, University of Washington Senior Fellow, Initiative on Financial Security, Aspen Institute Presented at the American Economic Association Meetings San Francisco, CA January 4, 2009 The Impact of Financial Education in High School and College On Financial Literacy and Subsequent Financial Decision Making Abstract: Many consumers appear to lack the financial literacy needed to make financial decisions in their self-interest. A growing number of analysts and politicians are blaming the intersection of low levels of financial literacy with complex, financially-engineered products for the current economic meltdown and have proposed a number of solutions to this problem. These solutions range from mandatory education in personal finance to required simplification of financial products and greatly increased regulation. This paper examines evidence on the effectiveness of personal finance education on both financial literacy and financial behavior. If the problem can be solved through education, it is likely to reduce the perceived need to limit choice in the marketplace for retail financial products. If education is shown to be ineffective, the future of financial product innovation and financial engineering may be greatly limited. Supporting...
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...How Can Canada Improve EMR Adoption? Abstract EMR is a client’s medical record in electronic form in a physician’s office. The following paper focuses on barriers of EMR implementation in Canada and what should Canada learn from New Zealand, UK and Denmark. Cost, provincial requirement for vendors, lack og belief in EMR are identified barriers. Even though encouragement from government, adoption rate is less in Canada. How Can Canada Improve EMR Adoption? According to Wikipedia, Electronic Medical Record (EMR) is computerized medical record created in an organization that delivers care, such as a hospital or physician's office. Although Canada is considered urbanized nation, it is far behind in implementation of EMR when compared to UK, New Zealand and Denmark. This paper will discuss how these countries have successfully established EMR systems, what are the barriers in Canada and recommendations for EMR implementation in Canada. Although EMR and EHR (Electronic Health Record) are often used interchangeably, there is a significant difference. EMR is a client’s medical record in a particular physician’s office while EHR is information accessible by many health professionals over a wide geographic area. EMR system established at large number of offices across the provinces will aid in building nationwide central EHR system. Such universally accessible system is highly desirable to reduce cost of care delivery, reduce duplicated test, reduce time taken between laboratory...
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...average population growth rate of 1.41%, this is a clear indication that this population will increase more with time. When looking at the age structure, people who are 15-64 years old make up 65% of India's population and only 30% being under 15 years of age. This clearly indicates that India is composed of a rather young population. As per the 2011 census, literacy levels stand at around 74.04% and this is a significant progress from the 14.5% rate at the time of India’s independence in 1947, though the census still reveals that the adult literacy rate in India was more than 11% lower than the average World Adult Literacy Rate of 84% (Census of India, 2011c, p.101). Despite major reforms and programs intended to develop the education system, India is still struggling with low rates of illiteracy, especially in the country’s rural parts. Different states have been experiencing different rates of increase in literacy levels, although with very high disparities caused by the different classes of the Indian society. For instance, Kerala and Mizoram states are above the national average at 82.14%, while others like Bihar have a literacy level of about 65.46%...
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...Course Syllabus |[pic] | American Experience I (HSS 255) Instructor: Yakita Burns Office Hours: (Wed) 2:30 p.m. – 3:30 p.m. Office: 228 HHS Phone: 201-8488 Course: AMH 1041 Credits: 3hrs Reference # 155106 Class Time: 1:25 - 2:15 p.m. (MWF) E-mail: burnsy@tcc.fl.edu Session: Fall 2015 Course Description: American Experience I (3) FA SP SU Prerequisites: Documented exemption, appropriate placement scores or completion of developmental education reading and writing. AMH 1041 examines the historical experiences and events that have shaped America's social and economic development in order to foster a better understanding of America's culturally diverse society. Prerequisite(s): satisfactory completion of Developmental Writing II (ENC0025 ) and Developmental Reading II (REA0017 ), or appropriate placement scores. Examines the historical experiences and events that shaped America’s social and economic development, in order to foster a better understanding of America’s culturally diverse society. Lecture: 3 hours. Close Close Prerequisite(s): satisfactory completion of Developmental Writing II (ENC0025 ) and Developmental Reading II (REA0017 ), or appropriate placement scores. Examines the historical experiences and events that shaped America’s social and economic development, in order to foster a better understanding of America’s culturally diverse society. Lecture: 3 hours. Close Close Prerequisite(s):...
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...International Journal of Research (IJR) Vol-1, Issue-8, September 2014 ISSN 2348-6848 Reality Check –Understanding and Adopting ICT Tools Rose Anthony & Kadvekar Shravan (Affiliation: Rose Anthony is Dean Academic, Bharati Vidyapeeth University, Pune India while Shravan Kadvekar is Consulting Professor at the university as well as Head Products at Harbinger Knowledge Products India.) Contact: shravan75@yahoo.com, anthonyrose8@yahoo.co.in, adopting ICT. Based on literature available Abstract in the forms of – research projects, MHRD Use of Information and Communication and UNESCO’s reports on ICT adoption, Technologies (ICT) in academia is well- Technology known for its importance and effectiveness. Change Management theory in technology At the same time, it is also one of aspects of adoption – researcher identified broad any education system, which needs a categories of challenges as hurdles faced by consistent reality check for its adoption by the educators. A set of technical education educators. A research has been undertaken institutions by the authors in developing ICT Adoption feedback from respondents on their take on Model for Indian Higher Education Sector. challenges in ICT adoption. Outcome of the The real pilot study was a list of major challenges challenges faced by the academia in ICT faced by educators in ICT adoption. The adoption, paper research aims measures ...
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...However, there are still a few challenges that holdback the implementation of CSR. One of the challenges that have been faced is the lack of budget and financial resource that discourage the Small and medium-enterprises (SMEs) from implementing the CSR practices. Besides, the research also shows that the implementation of CSR practices require high fixed cost and as a result, increase the operation cost. For example, the acquisition of environmental friendly materials in small independent hotel is one of the factors that increase the operating cost. Additional cost incurred within the supplier selection process because minimal numbers of supplier use material that is compatible to the standard of social responsible. With these factors, it creates barrier from small business to engage with the CSR practices. Besides, the awareness of consumers on CSR practices is relatively low. With such a high fixed cost in the operation of business, the output will require...
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...Leadership in TD Bank Group Julia Kuznetsova MADS 6600 Instructor: Dr. Zarbi May 21st, 2013 Management and Leadership in TD Bank Group Introduction The purpose of this paper is to exemplify how organizational managers and leaders create and maintain a healthy organizational culture and recommend two strategies that organizational managers and leaders can use to improve this culture. As an example I selected a Canadian multinational corporation – The Toronto-Dominion Bank. The Toronto-Dominion Bank is a Canadian multinational banking and financial services corporation headquartered in Toronto. It is the second-largest bank in Canada by market capitalization and based on assets, and is the sixth largest bank branch network in North America. Commonly known as TD and operating as TD Bank Group, the bank was created in 1955 through the merger of the Bank of Toronto and the Dominion Bank, which were founded in 1855 and 1869, respectively. The bank and its subsidiaries have over 79,000 employees and over 19 million clients worldwide. (http://www.td.com/about-tdbfg/corporate-information/corporate-profile/profile.jsp) The company is ranked at number 86 on the Forbes Global 2000 2010 listing. In February 2011 it was named one of Canada's top 10 employers by the Financial Post. (http://www.tdbank.com/aboutus/about_us.html) Organizational structure overview TD Bank group has a strong, independent Chairman with a clear leadership mandate in corporate governance...
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... Dhaka-1342 March 08, 2012 Letter of Transmittal March 08, 2012 Mr. Shubhankar Shil Assistant Professor School of Business Administration University of Liberal Arts Bangladesh Subject: Submission of Term Paper Dear Sir: I have great pleasure to submit my required term paper on E-banking in Bangladesh: An exploratory study on how the banks are adopting with e-banking. I have provided my best effort to conduct this report. Now I am presenting my report for kind assessment and hope that it will fulfill your satisfaction. Any kind of suggestion or recommendation from your side will be highly appreciated. Thank you. Sincerely yours, |..................... | | | |Muntasir Rashid Khan | |Student ID. 1268 | BBA Program (1st Batch) Department of Finance & Banking Jahangirnagar University Acknowledgement I would like to express my gratitude to all those who gave us the possibility to complete this term-paper. I want to thank Mr. Shubhankar Shil sir for giving me permission to commence this report in the first instance, to do the necessary research work and to whose help, stimulating suggestions and...
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...on poverty alleviation. Microfinance can be defined as the sustainable delivery of financial services to the poor that aims at creating a world in which as many poor households as possible, have access to a suitable range of financial services (Christen, Rosenberg and Jayadeva, 2004). However, the large majority of impact studies of microfinance lack empirical support and several limitations and obstacles continue to haunt the potential outcomes of microfinance, such as selection bias (Tedeschi, 2007) and lack of integration with the commercial banking sector (Copestake, 2007). In my thesis, I will focus on yet another limitation, that of lack of entrepreneurial knowledge amongst lenders in microcredit. I will develop on the marginal impact of entrepreneurial training on microcredit and suggest an empirical framework. The paper will start by presenting the topics of entrepreneurship and microfinance and the current situation in Tanzania. In Part II a review of an important study by Karlan and Valdivia will be discussed and in the following section a suggestion for a framework for an empirical study will be made. Conclusions and limitations will be presented in the final sections. Student: Eva Teekens ID: 5704871 Study: Master Business Studies Specialization: Entrepreneurship Supervisor: Prof. Sautner Handed in: 16-06-2009 Pages: 82 Table of Contents 1. Introduction and Scope of the Paper ...................................................................................
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...demand change? What information should be provided? Summary and recommendations Appendices 3 4 6 9 15 18 22 24 Contents 1 Acknowledgements The authors would like to thank the many people involved in this work. In particular, the advisory board of Tomorrow’s Investor: its chair, Sir John Banham, and its members, Robin Ellison, Philip Goldenberg, Alwin Oerlemans, Matthew Taylor and Lindsay Thomas. Thanks also to Pinsent Masons for its help in resolving legal issues and APG, the leading Dutch pension fund, for sponsoring the work. Acknowledgements 3 Tomorrow’s Investor: introducing fit-forpurpose pensions to the UK Three years ago, the RSA began investigating the efficacy of the UK investment system. After in-depth research, including the use of ‘citizen juries’, we concluded that it was not fit for purpose. Private pension saving in particular was found to be patchy, costly and poorly structured. However, we suggested that, with some modest changes, the private pension system in Britain could be radically improved. This requires two things: first, a system of low-cost, auto-enrolled pension provision; second, a recreation of collective pension structures which share risks and can offer superior benefits. In line with these initial recommendations, we welcomed the government’s decision to adopt auto-enrolment, but noted the need to remove artificial restrictions it had placed on NEST, the default provider established to ensure the policy could work. Further...
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...N O R T H E R N T E R R I T O R Y D E PA R T M E N T O F H E A LT H Health Promotion Strategic Framework 2011 - 2015 www.healthynt.nt.gov.au NT Department of Health Health Promotion Strategic Framework 2011 - 2015 Background This framework provides a structure for describing the type of health promotion actions that are used across the Northern Territory. It enables a shared understanding of the actions that can be taken to improve health and wellbeing. It also provides guidance about embedding a health promotion approach into all planning processes, programs and service development across the NT. While this framework is intended to be used within the health sector, we strongly encourage other sectors and agencies outside of the health domain to use the framework. This framework should be used in conjunction with health promotion audit tools and other health promotion resources available in the NT, such as the Public Health Bush Books and the Quality Improvement Program Planning System (QIPPS). It is also designed to be used as a guide, together with other local, regional and national frameworks, policies, strategies and resources. Why Health Promotion? The World Health Organisation (WHO) acknowledges the growing evidence that health promotion and preventive health approaches are effective in improving overall health and wellbeing, reducing the burden of chronic disease and injury, addressing health inequities, facilitating the better use of resources and enhancing...
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...5. Brief Cultural Analysis Having selected Germany as the country representing the highest potential for WGI, we then conduct a Cultural Analysis of the country to research important cultural aspects that could influence our Marketing, Operational, Financial and HR/Organizational plans The methodology we employed was to assess the following cultural characteristics: Material Culture Technology. Germany's achievements in science and technology have been significant. Germany has been the home of some of the most prominent researchers in various scientific disciplines, notably physics, mathematics, chemistry and engineering. For most of the 20th century, Germany had more Nobel Prizes in the sciences (physics, chemistry, physiology or medicine) than any other nation. Scientific research in the country is supported by industry, by the network of German universities and by scientific state institutions such as the Max Planck Society and the Deutsche Forschungsgemeinschaft. The raw output of scientific research from Germany consistently ranks among the world's best. Germany’s greatest strength is its automobile industry. German carmakers focus on computer-based assistance systems that could make driving safer and more comfortable. | Economics. Since the late nineteenth century, the German economy has been shaped by industrial production, international trade, and the rise of consumer culture. Consequently, the number of people involved in agricultural production has steadily...
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... A. B. U., Zaria. GSM: 08032785145 Email: isibor_andy@yahoo.com Umar Ibrahim, BLS, MLS, PhD Department of Library & Information Science A. B. U., Zaria. GSM: 08037022011 Email: umarahim2003@yahoo.com Abstract This paper examines the preponderance of unemployment and the dynamic role Library and Information Science educators and accrediting bodies are expected to play in ensuring that Library and Information Science graduates are well informed and adequately prepared for career opportunities. There are numerous career opportunities for Library and Information Science professionals in the information industry as long as they come up with strategies to reach out to members of the communities. Young graduates are increasingly shouldering the adverse consequences of the lack of economic reforms and the growing inability of the state to create jobs. By initiating, mobilizing and galvanizing their own resources in the quest for improving their standard of living, graduates can avoid the precarious dependence on government for white-collar jobs. The paper highlights how integrating the concept of self reliance into Library and Information Science education can enhance the career opportunities of Library and Information Science graduates. The paper recommends the creation of the Young Entrepreneur Association to empower Library and Information Science students with practical hands-on training in printing, publishing, marketing and event management. INTRODUCTION Education...
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... Abstract Globalization has simultaneously created global interdependence among nations of the world. Every nation is different from the other. The difference has formed barrier in trade, communication, value and custom. The objective of this paper is to study the factors impacting business in Malaysia and implication of the United States business in Malaysia. Developing countries are typically having more potential for foreign investment because they want to achieve the goal of developed country which is prosperous and fully industrialized. Malaysia is a diversified and humanities rich country from as being offshore destination. Malaysia is classified as upper middle income developing country due to its GNI per capita of $8420 as of 2011 according to World Bank data (2012). Malaysia is determining and rapidly moving to its goal of achieving National Vision 2020 as a fully developed country by year 2020 with its investor friendly business environment. Global Business Cultural Analysis: Malaysia Globalization has simultaneously created global interdependence among nations of the world. Every nation is different from the other. The difference has formed barrier in trade, communication, value and custom. The objective of this paper is to study the factors impacting business in Malaysia and implication of the United States business in Malaysia. Developing countries are typically having more potential for foreign investment because they want to achieve the goal of developed country...
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