...Essay plan Topic: the exploitation of adult workers in developed countries. I. Introduction: Thesis statement: This essay discusses two major reasons that brings about the exploitation of workers in developed countries, including workers’ educational level and labor legislation, and it provides two suggestions to solve the issue in terms of education of workers and government policies. II. Body: A. Causes a. Illiteracy and low level of education 1. ↓Level of education →↑risk of exploitation (Núnez & Livanos,2010) 2. Illiteracy →easier to accept exploitation (Chan,2004) 3. ↓Knowledge of laws→inability to protect themselves from exploitation (Lenard & Straehle, 2010) b. Poor labor legislation 1. Host countries restrict immigration →immigration laws unfavorable to immigrant workers (Misra, 2007) → ↑exploitation 2. Loopholes in law → being taken advantage of by employers (Gomberg-Munoz & Nussbaum-Barberena, 2011) 3. Flexible labor market → insufficient restriction (Miller, 2012) B. Solutions a. Education 1. ↑Educational level (e.g. Italy, Fullin & Reyneri ,2011) ↘ 2. ↑Practical skills → less exploitation of workers 3. ↑ Knowledge about labor laws (Zhang,2010) ↗ b. Developing labor laws and policies 1. Immigration laws and policies → more migrant-based...
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...develop without financial support from commercial banks; however it has become a concern of these banks to satisfy the SMEs request for finance. The banks evaluate the requests of the enterprises using specific criteria in order to decide on granting finance. The purpose of this study is to evaluate and explore the lending policy of commercial banks to Small and Medium Enterprises (SMEs) in Namibia in order to see how these commercial banks evaluate SME loan applications and make financing decisions. In order to analyse the research problem, the research considered the following questions: 1. What is the credit assessment procedure and lending policy of commercial banks in Namibia? 2. What criteria do commercial banks use during SME loan evaluation and how important are they to decision making? 3. What recommendations are there on how SMEs can improve their loan applications? The researcher believes the banks will correctly and sufficiently provide information which will enable the researcher to answer all the research questions. In this research, self administered questionnaires were used and physically delivered to commercial banks giving loans to SMEs in order to gather primary information. All commercial banks have a lending policy and credit assessment procedure to mostly meet regulatory standards and to ensure profitability. The study found that there are three lending policy and credit assessment procedure within the commercial banks namely the use of the 5 Cs...
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...ENTREPRENEUR IN NIGERIA, PROBLEMS AND PROSPECTS: A STUDY OF 10 SELECT SOLID MINERAL MINING COMPANIES IN EBONYI STATE (AN INTRODUCTION) 2 . BEING AN ENTREPRENEUR IN NIGERIA, PROBLEMS AND PROSPECTS: A STUDY OF 10 SELECT SOLID MINERAL MINING COMPANIES IN EBONYI STATE (STATEMENT OF RESEARCH PROBLEM, STATEMENT OF GENERAL OBJECTIVE, RESEARCH QUESTION, STATEMENT OF HYPOTHESIS) 3. EFFECT OF FOREIGN CURRENCY DEPOSIT ON THE CREDIT CREATION OF COMMERCIAL BANKS IN NIGERIA (AN ABSTRACT) 4 STRATEGY FOR ECONOMIC DEVELOPMENT IN SOUTH KOREA: LESSONS FOR NIGERIA (REVIEW OF RELATED LITERATURE) LECTURER: PROF I. O. C. ABARA ABSTRACT Foreign currency deposits or domiciliary account, are accounts maintained in designated foreign currencies by authorized Nigerian banks for their customers. Such customer could be government, individuals, or corporate bodies. The account falls within the statutory functions of commercial banks in Nigeria, ie mobilization of deposits and credit creation. The introduction of the domiciliary account regime according to the Central Bank of Nigeria (CBN), the monitory policy regulatory agency, is to boost the commercial banks mobilization of deposits and ability to create credit. The implication would be a more robust commercial banking environment. It would also prepare the grounds for a free, open and consequently a deregulated foreign exchange market in Nigeria. The effect of these economic variables in the ability of the commercial banks to discharge on its above statutory...
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...COMMERCIAL LAW Commercial law study is crucial to business career in master of professional accounting and business, and will give a boost to our profession. Commercial law also known as business law is the category of civil law that sometimes involves criminal law which applies the rights, duties and obligations of all legally recognized persons, including business which are engaged in commerce, commodities, trade, and sales and other businesses. Accounting and Finance students can get it useful to study the laws governing financial markets and investments, Today's accountants are important members of the management team, using their huge knowledge of business, their communication techniques and people skills, and their well-developed technical accounting skills to add value to the business through best decision making and support. It is very important, if we want to run a legal and successful business. Even if we start a small business, we still need to know the process of how to get a business started in the first place i-e licensing, certification etc. Once we got our business running, we will need to know how to protect our business from things like lawsuits, creditors and other government agencies which can affect our business. Commercial law study focuses on real life, business-orientated problems. Studying commercial law will give us an array of skills that are valued highly in business. It will develop us analytical & critical thinking skills, improve written...
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...INTRODUCTION To start with Indian commercial banking was dominated by private ownership; profit and return to investments were its performance indicators. This was the scenario prior to 1969. Subsequently, commercial banks were nationalized adding to their list additional objectives of optimizing social benefit and geographical expansion to meet the growing needs of people. Globalization opened gates to increased competition by the entry of foreign banks. The changes that are taking world wide continued to give shocks to the banking system which resulted in an expansion of banking services both in range, volume and non-performing assets. Gauging efficiency of commercial banks is an important issue to bank management and the policy maker. Before this task is initiated a commercial bank has to be modeled appropriately to meet the needs and objectives of the analyst. To model a commercial bank two approaches followed mostly are the intermediation and production approaches. Under the intermediation approach financial institutions are viewed intermediate funds between depositors and borrowers (Piyu, Y., 1992). Banking business has to satisfy both the users and suppliers of bank funds. The intermediation approach is also known as the asset approach. In production approach a commercial bank’s resources produce services to the customers (Berg et.al, 1991; Berg et.al. 1993; Parson et.al, 1993; Shaffnit et.al, 1997). The basic difference is that in production approach ...
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...Science in Interdisciplinary Studies Do Super Bowl beer commercials influence youth drinking? APA ABSTRACT There are studies that show that our youth are influenced by what they watch on television. Companies spend millions of dollars creating ads that will entice a person to buy their product. Unfortunately, this form of adverstising does not stop with reaching adults. These ads are seen by millions of teenagers, and the influence is based on how attractive or fun the ads seem to be. Advertising beer commercials, especially during the Super Bowl, reach youth all over world, and it sends the wrong message to our youth. Do Super Bowl beer commercials influence youth drinking? Richard R. McDowell Liberty University The influence of television and beer advertising is a huge problem, and unfortunately there is a solution, but not a solution that all will agree to. The beer commercials are seen during every break in professional sports with the most watched being the Super Bowl. Parents cannot protect their children from seeing the ads unless they stop them from watching television period. Companies expend millions of dollars on their commercials, and there is always a winner for the best commercial after the Super Bowl is done. Commercials today are geared to entice the youth, who are vulnerable and easy prey. Supporting points Is it more likely for an underaged drinker or a drinker of age to be influenced into drinking by commercials? Steven Reinberg of the Healthday...
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...Brothers, contagion spread by many channels, including prime brokerage, OTC derivatives positions, money market mutual funds, tri-party repo and wholesale funding markets. The cost to society of such failures is tremendous. One example is the increased tax burden on tax payers as a result of governments bailing out those banks. Views including the lack of proper regulation and the engagement in complex finance activities such as CDS have been blamed for the TBTF phenomenon. There have been a number of proposed solutions put forward to tackle the problem of TBTF whether on the regulatory side such as the separation of commercial and investment banking or on the disclosure side such as Basel 1,2 and 3 accords. By critically reviewing the arguments and evidence presented in the literature, this essay determines how effectively the solution of separating investment and commercial banking proposed by regulators of financial markets will deal with the problems of institutions which are TBTF. The financial crisis of 2008 has revealed unprecedented trading losses and problems of insolvency at the TBTF banks. In 2008 Lehman Brothers reported losses of more than $5 billion. Its share price plunged by almost half. This has made more than 1500 people redundant and has significantly badly affected the S&P and Dow Jones indexes. Major losses like this have induced economists...
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...Performance Evaluation of Sonali Bank Ltd Foreign Exchange Operation of Sonali Bank Ltd | Prepared For: Sadia Noor Khan Lecturer Department of Banking & Insurance Prepared By: Maiful Kausar Ikra ID-17-023 Department of Banking & Insurance University of Dhaka Department of Banking & Insurance Submission Date: January 14, 2015 Proposed Internship Topics Introduction to the Study: Each BBA program needs practical knowledge of the respective field of discipline to be fruitful. Our BBA program also has an internship program, relating to the exchange of theoretical knowledge into the real life practical situation. To support my internship report I will work as an intern in Sonali Bank Ltd. My name is Maiful Kausar Ikra. It was great opportunity for me to complete my internship program in the largest state owned commercial bank "Sonali Bank Ltd." As a part of internship program I want to prepare report on the following topics…… 1.Credit Risk Management Practices in Sonali Bank Ltd Background of the study: To support my internship report I will work as an internee Sonali Bank Ltd. and my topic of the report is "Credit risk management practices in Sonali Bank Ltd." as part of the fulfillment of internship requirement. One of most significant challenges for a bank is to strongly manage its credits. Since the largest slice of income generated by a bank and a major percentage of its assets is subject to this credit, it...
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...banking section. Theses banks are doing these because most of the people of our country are sensitive to their religion. Banks want to do business by utilizing their sentiment. Different factor can lead the customer towards Islamic banking like interest is prohibited in Islam. Another factor can be people want to deposit their money in those banks that do not give loan to those businesses that is not permitted in Islam. Banks having the provision of giving interest free loan to the needy people of the society which is called ‘Quard E Hasan’ in Islam can also lead the customer to those banks. Many religious programs telecasted in different channels become very popular in our country that may also influence the customers to switch. So in this study we will identify some factor that may responsible for customer switchover to Islamic banks and try to discover whether these factors really responsible for the customer switchover. 1.2 Problem statement: Now a day’s many non Islamic banks are opening Islamic banking section. It is an observed phenomenon that the banks are doing that because there is a huge market for Islamic banking in Bangladesh because the people of this country are very sensitive to religion. They want to deposit or want to make transactions with those banks which run according to the rules and regulation of Islam. But in our country there are few banks those run in...
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...manufacturers to reach their potential buyers and they use their time to grab the audience's attention. Shocking commercials filled with sex or alcohol that target practically any age group are widely used, even if the commercial makes almost no sense. What advertisers fail to see is the effect these ads have and potential influence on the viewing audience's behavior patterns and the deterioration of our society. Is this what we want when sitting down with family members, young or old? To view unnecessary violence or sexual filth and not have any control other than to scramble for the remote control to quickly change the channel? Legislature should pay a bigger role in dictating what can be done in television commercials to limit the amount of sex, violence and alcohol use. Some sort of censure needs to take place to make it known that many of the behaviors seen in these ads are not acceptable behavior in a polite society. Advertising Of The Past From the beginning, television advertising has become increasingly important for manufacturers to gain the attention of possible consumers. Advertising in the 1950s and 1960s was mainly focused on children audiences without really trying to do so. There were so few programs on television that advertisers knew they had an audience, and therefore, no need for the attention grabbing commercials of today. Commercials portrayed families who were happy and content just buy purchasing said product. They appealed to...
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...Financial Ratio Analysis of Five commercial Bank Rational of the Study: As my title is ratio analysis, which will focus the financial, market and debt condition of the particular bank. This analysis determines the how the financial condition can change and how to fix that condition. It is important to know about ratio analysis; it is based on line items in financial statements like the balance sheet, the ratios of one item or a combination of items to another item. Ratio analysis is used to evaluate various aspects of a company’s operating and financial performance such as its efficiency, liquidity, profitability, and solvency. Ratios are also compared across different companies in the same sector to see how they stack up, and to get an idea of comparative valuations. Through this research it will be apparently shown that how the bank’s financial condition. I have choose five commercial bank they are as follow- * Islami Bank Bangladesh Ltd (IBBL): Islami Bank Bangladesh Limited is a Joint Venture Public Limited Company engaged in commercial banking business based on Islamic Shari'ah with 63.09% foreign shareholding having largest branch network ( total 286 Branches) among the private sector Banks in Bangladesh. It was established on the 13th March 1983 as the first Islamic Bank in the South East Asia. It is listed with Dhaka Stock Exchange Ltd. and Chittagong Stock Exchange Ltd. Authorized Capital of the Bank is Tk. 20,000.00 Million and Paid-up Capital is Tk. 14,636.28...
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...Background of the Study Internship program is a career-related work experience conducted as an integral part of the academic program. It is very essential to get exposure to "real" business projects and problems, development of managerial skills and increased insights regarding organizational work environments thereby enhancing communication skills as the foundation of professional correspondences and understanding the general structure of most business situations by acquiring the new information and ideas so as to apply them for the benefits of the organization as well as the one’s own career development. The term “Bank” was derived from an Italian word “Banca”. Banks perform various specialized functions. Banks may be defined in terms of the various functions it performs. So it is quite impossible to define bank in just one word. However, bank can be described as such a financial institution that takes in funds as deposits repayable on demand or at short notice. According to the Shorter Oxford English Dictionary, “Bank is an establishment for the custody of money received from or on behalf of its customers. Its essential duty is to pay their drafts on it, its profit arise from the use of the money left unemployed by them.” Types of Bank There are many types of bank among them the main types of bank can be categorized as follows: a) Commercial Bank b) Development Bank b) Central Bank 1.2 Brief Introduction about Commercial Bank A commercial bank is a financial...
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...Project Proposal ------------------------------------------------- HSBC Bangladesh: Strategic plan for consolidating market base in commercial banking segment Prepared For Dr. A.K.M Saiful Majid Course Instructor, Strategic Management Prepared By Zahedul Amin, Roll- ZR-33 EMBA Batch 13 Institute of Business Administration, University of Dhaka Background The report will be prepared as part of the course requirement for the Strategic Management course, under the supervision of our esteemed faculty, Dr. Saiful Majid. HSBC Bangladesh has gained significant traction since entering the market in 1998. They have adopted a set of focused strategies enabling them to position themselves as a premium brand in the commercial banking segment. Alongside, they have forayed in the retail and structured financing segment securing spectacular performance. The report intends to focus on recent strategic changes which resulted in HSBC effectively closing retail banking wing. This is the result of the organization’s internal restructuring which led to renewed focus on commercial banking which has higher profitability and lower classified loans. Scope The report will be based on publicly available documents and on Key Informant Interviews (KIIs) with company middle-management. The report will make use of previously available internal surveys and studies deemed non-classified by company management. Application of tools learned in the Strategic management course will be selectively...
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...HRM16 1. When you are researching in terms of topics related to your subject HRM16, which one do you want to work on/ research on? Check the topic you want to research on: ___a. issues regarding hotels contribution on the income of the place ___b. making a program so that hotels become more profitable ___c. importance of spa, salon, & resorts in promoting tourism of place ___d. is General Santos City’s tourism booming ___e. are personalities from General Santos City brings big income to the city? 2. Cite two-five studies regarding hotel & restaurants management. It could be foreign or local study. Case Study: Restaurant downsizing Sally Smith is a manager at the Butcher Block Restaurant. Due to her extensive background in the restaurant business, she has great influence on the executive management and often makes significant recommendations for changes that are supported. The restaurant was closed two months ago after a news release issued by the regional Health Department claimed that at least twenty people had become ill apparently with the listeriosis infection after eating at the Butcher Block the month before. Listeriosis has been isolated in the feces of healthy humans, sheep, cattle and poultry, and the spread of this disease has been linked to the consumption of contaminated food production. Five of the sickened people had to be hospitalized. Although a thorough restaurant health inspection failed to prove the restaurant was responsible,...
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...Commercial Essay Assignment As consumers in our society, many of us are almost immune to the constant barrage of assorted advertisements bombarding us via billboards, television, radio, the Internet, email, and snail mail. Some of these ads are trivial--which cola to drink or which deodorant to use. Some deal with important issues like feeding the hungry or preservation of the rain forests. Although we're exposed to all types of ads daily, we have effectively trained ourselves to filter them out. Who doesn't grab the remote when the television commercial comes on? However, as annoying as they may be, all these ads speak volumes about the nature of our society. Although this situation is the "norm" for us, have you ever thought about how confusing all these different advertisements might be for beings from another planet? Are deodorant soaps or dandruff shampoos as important as feeding starving children? What effect might such ads have on their opinions about our society? Would visitors from outer space have a positive or negative overall image of us from the ads? For this assignment, you'll need to spend 2 hours watching television, but you’re ONLY going to watch the commercials! First, record which channel you're watching. Pick the local affiliate of one of the major television stations only: CBS, NBC, or ABC. If you live in Odessa or Midland, you can watch KOSA, KMID, or KWES. No cable or PBS stations. Then spend two hours watching commercials: Keep track...
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