...Medicinal Plants Medicinal Plants Medicinal Plants An Expanding Role in Development Jitendra Srivastava, John Lambert, and Noel Vietmeyer WORLD BANK TECHNICAL PAPER NUMBER 320 RECENT WORLD BANK TECHNICAL PAPERS No. 246 Plusquellec, Burt, and Wolter, Modern Water Control in Irrigation: Concepts, Issues, and Applications No. 247 Ameur, Agricultural Extension: A Step beyond the Next Step No. 248 Malhotra, Koenig, and Sinsukprasert, A Survey of Asia's Energy Prices No.249 Le Moigne, Easter, Ochs, and Giltner, Water Policy and Water Markets: Selected Papers and Proceedings from the World Bank's Annual Irrigation and Drainage Seminar, Annapolis, Maryland, December 8−10, 1992. No.250 Rangeley, Thiam, Andersen, and Lyle, International River Basin Organizations in Sub−Saharan Africa No.251 Sharma, Rietbergben, Heimo, and Patel, A Strategy for the Forest Sector in Sub−Saharan Africa No.252 The World Bank/FAO/UNIDO/Industry Fertilizer Working Group, World and Regional Supply and Demand Balances for Nitrogen, Phosphate, and Potash, 1992/93−1998/99 No.253 Jensen and Malter, Protected Agriculture: A Global Review No.254 Frischtak, Governance Capacity and Economic Reform in Developing Countries No.255 Mohan, editor, Bibliography of Publications: Technical Department, Africa Region, July 1987 to April 1994 No.256 Campbell, Design and Operation of Smallholder Irrigation in South Asia No.258 De Geyndt,...
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...illegal immigrants in our country? For this reason in this paper we are going to present the limitations of illegal immigrants in the United States in an organized argumentation justifying why illegal immigrants should be deported back to their countries. Did you know that illegal immigrants cost American taxpayers more than three hundred billion dollars annually. It has been reported that an illegal pregnant woman in the United States receives free medical service that cost at around six thousand dollars. According to a CRS report illegal immigrants were responsible for more than 16, 000 which is twice the crimes commuted by legal immigrants. Additionally the United States Consensus Bureau estimated that there are more than twelve million illegal immigrants in the United States, this is actually equivalent to the combined populations of Arizona, Iowa and New Mexico. Even worse the infiltration of illegal aliens this has resulted in a weighty increase in the rate of unemployment. To tell the truth these illegal immigrants are certainly bad news to the citizens to the United States and the economy. According to DHS latest report it is estimated that above twelve million unauthorized immigrants were living in the United States in 2012. In addition the statistics indicated that the overall unauthorized immigrant population living in the United States increased by thirty percent in the past decade. For these reasons official...
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...BRAND IMAGE OF ISLAMIC BANKS SUBMITTED BY TARIQ JALEES LT.COL(RETD) RAZA KAMAL ASSISTANT PROFESSOR DIRECTOR ACADEMICS COLLEGE OF MANAGEMENT SCIENCE PAF-KARACHI INSTITUTE OF ECONOMIC AND TECHNOLOGY KORANGI CREEK , KARACHI-75190 WWW.PAFKIET.EDU.PK UAN 111-723-733 TELEPHONE 5091114-7 FAX 92215091118 RESIDENCE ADDRESS OF TARIQ JALEES 87-Q, BLOCK-2, PECHS, KARACHI, RESIDENCE TELEPHONE 9221-4556308 MOBILE 0300-82007019 EMAL TARIQUEJ2004@YAHOO.COM TARIQJ@PAFKIET.EDU.PK 1 BRAND IMAGE OF ISLAMIC BANKS 1.0.0 Introduction What is Islamic banking? What is brand Image? Both the topics independently have been researched, discussed and deliberated so many times that the readers generally don’t fancy reading them. However, there is not a single research to best of our knowledge wherein researchers may have combined both the diversified topics. Lack of research on “brand image of Islamic bank” was one of the major motivator for undertaking this research. Thus the objective of this paper was to measure the brand image of Islamic banks, and develop the profile of the customers of Islamic banks. 1.1.0 Literature Survey In order to develop the conceptual background, the literature review has been structured as follows: 1.1.2 A brief over view on Islamic banking and literature on consumer behavior, characteristics and perception towards Shariah banks A brief overview of branding imaging concept An Overview Islamic Banking There are about 270 Islamic banks around the world (including subsidiaries...
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...2008 FRM® Examination Study Guide Topic Outline, Readings, Test Weightings The Study Guide sets forth primary topics and subtopics under the five risk‐related disciplines covered in the FRM exam. The topics were selected by the FRM Committee as topics that risk managers who work in practice today have to master. The topics are reviewed yearly to ensure the FRM exam is kept timely and relevant. FRM Examination Approach The FRM exam is a practice‐oriented examination. Its questions are derived from a combination of theory, as set forth in the readings, and “real‐world” work experience. Candidates are expected to understand risk management concepts and approaches and how they would apply to a risk manager’s day‐to‐day activities. The FRM examination is also a comprehensive examination, testing a risk professional on a number of risk management concepts and approaches. It is very rare that a risk manager will be faced with an issue that can immediately be slotted into one category. In the real world, a risk manager must be able to identify any number of risk‐related issues and be able to deal with them effectively. Readings Questions for the FRM examination are derived from the readings listed under each topic outline. These readings were selected by the FRM Committee to assist candidates in their review of the subjects covered by the exam. It is strongly suggested that candidates review these readings in depth prior to sitting for the exam...
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...grid. The organization also has responsibility for settling transactions in the state’s wholesale spot market for electricity. But the term “ERCOT” also is used loosely in other ways. For instance, the term can describe the geographical footprint for retail electric deregulation in Texas. It is also sometimes used to describe the state’s wholesale energy market. This report touches upon policy questions relating to all these conceptualizations of ERCOT: as an organization, as an energy market, and as the area of Texas with competitive electric suppliers. To distinguish between these meanings, the term “ERCOT” will be used whenever practicable to refer to the organization, “the ERCOT region” will be used to refer to deregulated areas of the state, and “ERCOT market” will be used to describe the wholesale energy market within the ERCOT region. The reader should note that the Texas Public Utility Commission typically has responsibility for setting the highest level ERCOT market policies, while the ERCOT organization oversees grid operations. T H E R E P O R T, AT A GL A NCE » The Executive Summary, Major Findings, and...
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...Development Studies POP POLITICS: Popular culture as a democratic space for active citizenship among Filipino youth A Research Paper presented by: Marie Angelie Resurreccion Philippines in partial fulfillment of the requirements for obtaining the degree of MASTERS OF ARTS IN DEVELOPMENT STUDIES Specialization: Children and Youth Studies (CYS) Members of the examining committee: Dr. Linda Herrera [Supervisor] Prof. Dr. Ben White [Reader] The Hague, The Netherlands November, 2009 Disclaimer: This document represents part of the author’s study programme while at the Institute of Social Studies. The views stated therein are those of the author and not necessarily those of the Institute. Research papers are not made available for circulation outside of the Institute. Inquiries: Postal address: Institute of Social Studies P.O. Box 29776 2502 LT The Hague The Netherlands Kortenaerkade 12 2518 AX The Hague The Netherlands +31 70 426 0460 +31 70 426 0799 Location: Telephone: Fax: ii Contents Acknowledgments List of Figures List of Acronyms Abstract Key Words Chapter 1 Introduction 1.1 The Filipino Youth and Media in Recent Philippine History The Marcos Regime: Youth in the Streets The 1986 People Power: The Culmination of Protests The Post-1986 Youth: Disengaged or Disillusioned? People Power II: The Rise of GenTxt Postscript 2001: ‘People Power Fatigue?’ Media and Technology: Expanding Youth Spaces 1.2 Research Objectives and Questions 1.3 Case Studies...
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...The current issue and full text archive of this journal is available at www.emeraldinsight.com/0262-1711.htm Integrating leadership development and succession planning best practices Kevin S. Groves College of Business and Economics, California State University, Los Angeles, California, USA Abstract Purpose – Organizations often fail to utilize managerial personnel effectively for leadership development and succession planning systems, and many execute these critical practices through separate human resource functions that shift the responsibility for leadership development away from line managers. The purpose of this article is to present a best practices model for optimal development of the leadership pipeline and a series of practical recommendations for organizations. Design/methodology/approach – A group of 30 CEOs and human resource executives across 15 best practice organizations were asked via semi-structured interviews to describe the content and delivery of their respective organizations’ leadership development and succession planning practices. Findings – Analysis of interview data indicated that best practice organizations effectively integrate leadership development and succession planning systems by fully utilizing managerial personnel in developing the organization’s mentor network, identifying and codifying high potential employees, developing high potentials via project-based learning experiences and manager-facilitated workshops, establishing a flexible...
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...POLYTECHNIC UNIVERSITY OF THE PHILIPPINES COLLEGE OF ACCOUNTANCY BACHELOR OF SCIENCE IN ACCOUNTANCY Research Topic: “Errors in Preparing Financial Plan in Investment firm” BACKGROUND Introduction It is vitally important for the investment firm to set up a financial plan in order not to experience hardships and financial difficulties in the future of their beneficiaries. Financial plan assure financial stability and financial freedom that an investors wants to possess till the end of his/her life. The process of preparing financial plan is a routine process that indeed involves not only careful financial analysis of the investors’ current situation and long-term commitment to implement and monitor that plan throughout his/her life, but also requires careful thinking for the future. In order to properly achieve the financial planning goals, one has to monitor the performance of the financial plan as well as make proper changes when necessary. While preparing the financial plan, the pre need industries should be taken it seriously. This is because a bad financial plan will lead to over capitalization or under capitalization as well as misappropriation of funds. In endeavor action, businesses are sometimes right and make correct decisions and sometimes they are wrong and prone to errors. These firms are prone to errors, because they do not have a correct perspective of the environment or lack a correct assessment of the current...
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...Activity- Caselet 2 Group 7 1. The Philippines is No. 83 on HDI ranking last 2003, No.112 last 2011 and No. 114 as reported by UNDP for 2013. Account on the reasons for such changes. Compare the following factors; a. life expectancy b. literacy c. average GDP Despite gains it has made on the economic front, the Philippines remained at 114th globally for the 5th straight year in the Human Development Index (HDI) released by the United Nations Development Program (UNDP) on Friday, March 15. The HDI is a key indicator of citizens' state of health, education, and income, among others. In the 2013 Human Development Report titled "The Rise of the South: Human Progress in a Diverse World," the UNDP said the Philippines' HDI score has been improving in the past 30 years. But its score -- 0.654 -- is still slightly below the East Asia and the Pacific regional average of 0.683. (A total of 186 countries were covered by the UNDP study.) Some data on the Philippines from the 2013 HDR include the following: * The life expectancy of Filipinos is 69 years old. * The mean years of schooling in the Philippines is 8.9 years while the expected years of schooling is 11.7 years. * The country's Gross National Income per capita level is $3,752 (computed using 2005 purchasing power parity) * The country ranked 77th overall in the Gender Inequality Index, the third lowest rank in the ASEAN. * Around 18.4% of the population lived below $1.25 in the 2011-2012 period...
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...Wal-Mart operated more than 3,400 U.S. Wal-Mart stores along with more than 550 Sam’s Club locations. Wal-Mart is the largest private employer in the United States, with 1.3 million employees, and the largest retailer in the United States. In 2004, Wal-Mart handled 6.5 percent of U.S. retail sales (8.8 percent if automobile sales are excluded); this number has since increased. Wal-Mart is the top U.S. seller of apparel, groceries, and music, among other products, and is the top retailer in most states. Wal-Mart’s 2005 revenues exceeded those of the next five U.S. retailers combined; these are Home Depot, Kroger, Sears Holding Company (which includes Sears and Kmart), Costco, and Target (Schultz, 2006). Wal-Mart currently accounts for 28 percent of Playtex’s sales, 25 percent of Clorox’s, 21 percent of Revlon’s, 13 percent of KimberlyClark’s, and 17 percent of Kellogg’s (Weinswig and Tang, 2006). Wal-Mart also accounts for over 15 percent of U.S. imports of consumer goods from China. More than 120 million U.S. consumers shop at Wal-Mart every week, and 84 percent of Americans shopped at Wal-Mart at least once during 2005 (Pew Research Center, 2005).1 Wal-Mart is also the largest retailer in the world. From a global perspective, Wal-Mart’s sales are larger than the next three retailers combined: Carrefour (France), Home Depot (United States), and Metro (Germany). Although Wal-Mart recently sold its South Korean and German operations, it currently operates or owns a majority stake in a local...
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...THE TEETH OF THE TIGER A new generation--Jack Ryan, Jr.--takes over in Tom Clancy's extraordinary, and extraordinarily prescient, novel. "INCREDIBLY ADDICTIVE." --Daily Mail (London) RED RABBIT Tom Clancy returns to Jack Ryan's early days-- in an engrossing novel of global political drama . . . "A WILD, SATISFYING RIDE." --New York Daily News THE BEAR AND THE DRAGON A clash of world powers. President Jack Ryan's trial by fire. "HEART-STOPPING ACTION . . . CLANCY STILL REIGNS." --The Washington Post RAINBOW SIX John Clark is used to doing the CIA's dirty work. Now he's taking on the world . . . "ACTION-PACKED." --The New York Times Book Review EXECUTIVE ORDERS A devastating terrorist act leaves Jack Ryan as President of the United States . . . "UNDOUBTEDLY CLANCY'S BEST YET." --The Atlanta Journal-Constitution DEBT OF HONOR It begins with the murder of an American woman in the back streets of Tokyo. It ends in war . . . "A SHOCKER." --Entertainment Weekly THE HUNT FOR RED OCTOBER The smash bestseller that launched Clancy's career-- the incredible search for a Soviet defector and the nuclear submarine he commands . . . "BREATHLESSLY EXCITING." --The Washington Post RED STORM RISING The ultimate scenario for World War III-- the final battle for global control . . . "THE ULTIMATE WAR GAME . . . BRILLIANT." --Newsweek PATRIOT GAMES...
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...Healthy By Nature Marketing Strategy Report Prepared by Rosanne Critelli – 992342X For Ms. Janet Bradley 1 Madeup Street Melbourne VIC 3000 Australia 9/25/2013 Page |1 Executive Summary The purpose of this report is to conduct a market analysis and propose a market strategy for Ms Janet Bradley to assist her in establishing a new fast food chain Healthy By Nature, which be centred around providing nutritional, low calorie food to its customers. The first step undertaken in conducting the market analysis was to analyse and determine the behaviours and characteristics of consumers who purchase both fast and low calorie foods. The microenvironment surrounding the market was then considered and potential suppliers, intermediaries, publics and direct and indirect competitors were analysed and identified. An analysis was then undertaken of the macroenvironment and factors and trends relating to the demographic, economic, natural, political, and cultural factors were considered and identified. The findings from the market analysis concluded that the target market for Ms Bradley’s new business was likely to include single professionals, parents with children aged between 5 and 12 years, and adults aged between 45 and 54 years. The direct competitors were considered to be Boost Juice, Subway and Nando’s and the indirect competitors, McDonald’s, Domino’s Pizza and Woolworths. A marketing strategy was prepared which identified three target market segments and characteristics of each...
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...2016 FRM Exam Study Guide ® The designation recognized by risk management professionals worldwide 2016 Financial Risk Manager (FRM®) Exam Study Guide TOPIC OUTLINE, READINGS, able to deal with them effectively. As TEST WEIGHTINGS such, the Exams are comprehensive in The Study Guide sets forth primary nature, testing a candidate on a number topics and subtopics covered in the FRM of risk management concepts and Exam Part I and Part II. The topics were approaches. selected by the FRM Committee as ones that risk managers who work in practice today have to master. The topics and READINGS Questions for the FRM Exams are related their respective weightings are reviewed to and supported by the readings listed yearly to ensure the Exams are timely under each topic outline. These readings and relevant. The study Guide also were selected by the FRM Committee contains a full listing of all the readings to assist candidates in their review of that are recommended as preparation the subjects covered by the Exams. It is for the FRM Exam Part I and Part II. strongly suggested that candidates review Key concepts (knowledge points) these readings in depth prior to sitting for appear as bullet points at the beginning each exam. All of the readings listed in the of each section and are intended to help FRM Study guide are available through candidates identify the major themes GARP. Further...
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...treatment of the latter; and (3) interventions responding to the needs of the family members in their own right. The evidence base for each of the three types is reviewed. Despite methodological weaknesses in this area, a number of conclusions can be advanced that support wider use of family focused interventions in routine practice. Future research needs to focus on (1) pragmatic trials that are more representative of routine clinical settings; (2) cost-effectiveness analyses, in terms of treatment costs and the impact of interventions on costs to society; (3) explore treatment process; and (4) make use of qualitative methods. In addition, there is a need to define more clearly the conceptual underpinnings of the family intervention under study. [Copello, AG, Velleman RDB, Templeton LJ. Family interventions in the treatment of alcohol and drug problems. Drug Alcohol Rev...
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...article to make it understandable to non-experts, without removing the technical details. The talk page may contain suggestions. (January 2010) Community-based savings bank in Cambodia. There are a rich variety of financial institutions which serve the poor. Microfinance is the provision of financial services to low-income clients or solidarity lending groups including consumers and the self-employed, who traditionally lack access to banking and related services. More broadly, it is a movement whose object is "a world in which as many poor and near-poor households as possible have permanent access to an appropriate range of high quality financial services, including not just credit but also savings, insurance, and fund transfers."[1] Those who promote microfinance generally believe that such access will help poor people out of poverty. Microfinance is a broad category of services, which includes microcredit. Microcredit is provision of credit services to poor clients. Although microcredit is one of the aspects of microfinance, conflation of the two terms is endemic in public discourse. Critics often attack microcredit while referring to it indiscriminately as either 'microcredit' or 'microfinance'. Due to the broad range of microfinance services, it is difficult to assess impact, and very few studies have tried to assess its full impact.[2] Contents [hide] • 1 Challenges • 2 History • 3 Boundaries and principles • 4 Debates at the boundaries • 5 Financial needs...
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