Anti Imperialism Speech Against the Annexation of the Phillippines

Annexation of the Philippines – Argument Against I reflect on our own Declaration of Independence that states â€Å"Governments are instituted among Men, deriving their just powers from the consent of the governed. † We went to the Philippines to protect them from Spain and now here we are doing what we were keeping Spain from doing to these people. I ask you†¦ do we have their consent to annex them? Do they believe it is in their best interest to be annexed to our great country? And what measures are we taking to fund a continued military presence to care for these people? If the Filipinos are not in support of this annexation, they will most assuredly fight us that will result in unnecessary violence and bloodshed of both American soldiers and Filipinos, whether you think them civilized or uncivilized. This is hypocritical to what we ourselves claim in our ideals expressed in our Declaration of Independence†¦ the right to self govern. With this move of annexation are we not acting on the grounds of Imperialism which goes against our belief as a Republic? Are we conquerors, or are we liberators? I believe we should allow Aguinaldo, who we brought there from exile, to set up their own government and create a strong partnership that is agreeable for both the Philippines and the United States with mutual prosperity. Let us be the inspiration and model of their new venture and not force it upon them. This move will be viewed by eyes of other countries; it will impact their perception of our United States and the freedoms our nation values.

Awareness and Adoption of E Banking in Pakistan

Abstract: This study aims to understand customers’ perception towards adoption and awareness of electronic banking in Pakistan. The outcomes would help the policy makers to develop effective strategies for future outlook of electronic banking in a country. The results suggest that banks’ customers in Pakistan perceive electronic banking as a tool for minimizing inconvenience, minimizing risk of carrying cash and time saving. Customers further believe that electronic banking increases chances of government access to public data, increases chances of fraud and data losses. It reduces cost and save our precious time. There are also some limitations of e-banking as it requires skills to operate it and passwords can be hacked. This research paper discussed that people of Pakistan are well aware of electronic banking but they are not satisfied with the services provided by the bank and they also feel risk in that service that’s why they trust more on employees. It contains different demographics and their association with research questions. The results conclude that various customers segments do not differ in opinions towards benefits and risks associated with e-banking. This paper also includes recommendations in which it describes that what strategies the banks should choose to increase the satisfaction of customers Keywords: electronic banking; e-banking; customers’ perception; adoption; Pakistan, e-banking in Pakistan, e-banking, SMS banking, ATM I. INTRODUCTION The developments taking place in information and communication technology are increasing competition in financial institutions worldwide. Development of electronic distribution channels in financial industry has completely transformed the traditional bank–customer relationship in recent years. It has reduced personal contacts between the service providers and the customers (Barnes and Howlett, 1998). The scenario is further changed with increased competition among banks and non-bank financial institutions (Zineldin, 1996). Thus an enhanced understanding of why some people adopt one distributional channel and others do not, alongside an identification of the factors that may influence this decision is vital to investigate (Patricio, 2003). Thus, the deployment of advanced technologies is essential to achieve a competitive edge. In the world of banking, the development of information technology has an enormous effect on development of more flexible payments methods and more-user friendly banking services. Recently, the banking industry was highly affected by the technology evolution that transformed the way banks deliver their services, using technologies such as automated teller machines, phones, the Internet, credit cards, and electronic cash. In line with global trends, electronic banking in Pakistan has been undergoing many changes. Electronic banking is a term for the process by which a customer may perform banking transactions electronically without visiting a brick-and-mortar institution. Electronic banking refers to systems that enable bank customers to access accounts and general information on bank products and services through a personal computer (PC) or other intelligent device. There are many benefits of e-banking as it provides easy way to monitor an account, we can shop, pay bills, buy items at auction, and transfer money from anywhere at any time, it reduces costs, it saves time, and vice versa. Objectives This study focuses on awareness and adoption of electronic banking in Pakistan. Our objectives of this research were to: 1. Check awareness of electronic banking in Pakistan. 2. Check why people are not aware of electronic banking. 3. Know if the people are aware of electronic banking then to how much extent. 4. Check whether banks of Pakistan are providing electronic banking or not. 5. To find the critical attributes that customers expect important while using electronic banking. 6. To find the key variables that affect customers’ evaluations towards risk associated with electronic banking. 7. To understand the relationship between demographic characteristics of customers and their perceptions towards electronic banking. 8. To present results and implications which are insightful to researchers and banks interested in electronic banking. This research is important because it tells bankers that how much people in Pakistan are aware of and adopt the electronic banking and to how much extend. It also tells them to improve their e-banking services in Pakistan. Electronic banking in Pakistan State-owned banks dominated the Pakistani financial market before 1990. The government introduced economic liberalization policies in 1991 when two smaller banks, Muslim Commercial Bank and Allied Bank were privatized. Since then, the government continuously advocated the privatization of existing state-owned enterprises and encouraged the private and foreign banks to setup their businesses in the country. Recent acquisition of locally owned Union Bank by Standard Chartered Bank indicates foreign interest in domestic financial market. According to State Bank of Pakistan (SBP) annual report (2005), there were 35 commercial banks, including 16 private banks (with 797 branches), 11 foreign banks (with 82 branches), 4 privatized banks (with 4,141 branches) and 4 public banks (with 1,543 branches), respectively. Electronic banking is an innovation in the series of technological wonders. Automated teller machine (ATM), telephone banking, internet banking, credit cards and debit cards, etc. have emerged as effective delivery channels for traditional banking products. In Pakistan, foreign banks took a lead by introducing ATM and credit cards in mid-1990s followed by domestic banks in late 1990s. Annual Report of SBP (2003, p. 110) explained this delay in electronic banking largely by regulatory hurdles, higher startup costs, an ongoing banking sectors reforms and lack of technical skills. The government also introduced Electronic Transaction Ordinance in 2002. This ordinance provides legal recognition to digital signatures and documentation. Thus reducing the risks associated with the use of electronic medium of business. At present, almost all commercial banks in Pakistan have setup their ATM networks, issuing debit and credit cards and have joined one of the two operating ATM Switch Networks. According to Kolachi (2006) Pakistani banks provide the following online banking services and products. 1. Enquiry, account statement enquiry, account balance enquiry, check statement enquiry, fixed deposit enquiry 2. Payment, funds transfer, credit card payments, direct payments, utility bills payments 3. Request, checkbook request, stop payment request, demand draft request, new fixed deposit request 4. Download, customer profile, statement download, other information and guidelines downloads. 4 Literature review Consumers’ perceptions towards adoption of electronic banking have attracted many researchers in recent years. Thornton and White (2001) who compared seven distribution electronic channels available for banks in US concluded that customers’ orientation such as convenience, service, technology change, knowledge about computing and availability of internet affected the usage of different channels. According to Hagel and Hewlin (1997) the Internet banking became very attractive to customers and lots of banks because the technology is being accepted by them and they can now understand and have information about the complex products. Nowadays banks are also facing a lot of competition and need a high market share and provide better services to its customers so that they can attract the new customers and old customers do not try to leave them. Howcroft et al. 2002) found that the most important factors that have encouraged consumers to use online banking are lower fees followed by reducing paper work and human error which subsequently minimize the human disputes (Kiang et al. , 2000). Byers and Lederer, (2001 ) concluded that it was changing consumer attitudes rather than bank cost structures that determines the changes in distribution channels; they added that virtual banks can only be profitable when the segment that prefers electronic media is approximately twice the size of th e segment preferring street banks. Decrease in percentage of customers visiting banks with an increase in alternative channels of distribution will also minimize the queues in branches (Thornton and White, 2001). Internet banking increases power of the customers to make price comparison across suppliers quickly and easily, which subsequently pushes the price and margins downwards (Devlin, 1995). Although, electronic banking provides many opportunities for the banks, it is also the case that the current banking services provided through Internet are limited due to security concerns, complexity and technological problems (Sathye, 1999: Mols, 1999). Risks associated to electronic banking Although internet provides many opportunities for banks but it is the case that current banking services through internet are limited due to security concerns, complexity and technological problems (Mols, 1999; Sathye, 1999). Hewer and Howcroft (1999) referred the term trust to measure a risk. While, Suganthi et al. (2001) viewed risk in context of security concerns and risk in context of trust in one’s bank. Finally, a number of studies also found trust and perceived risks have a significant positive influence on ommitment (Bhattacherjee, 2002; Mukherjee and Nath, 2003) and ultimately leads towards overall satisfaction (Rexha et al. , 2003). Reputation of a service provider is another important factor affecting trust. Doney and Cannon (1997) defined reputation as the extent to which customers believe a supplier or service provider is honest and concern about its customers. Tyler and Stanley (1999) argued that banks can build close and lo ng-lasting relationship with customers only if trust, commitment, honesty and cooperation are developed between them. Nancy et al. 2001) study found that customers’ complaint about computer logon time which are usually longer than making a telephone call. Further, the respondents felt that they have to check and recheck the forms filled online, as they are worried about making mistakes. Frequent slow response time and delay of service delivery causes customers to be unsure about the completion of a transaction (Jun and Cai, 2001). Min and Galle (1999) found crashes in operating systems and disruption of information access as common factors related to unwillingness to use internet channels for commerce. Liao and Cheung (2002) found that individual expectations regarding accuracy, security, transaction speed, user friendliness, user involvement and convenience are the most important attributes in the perceived usefulness of internet-based e-retail banking. Confidentiality of consumer data is another important concern in adoption of online banking (Gerrad and Cunningham, 2003). Customers fear about someone’s unlimited access to personal financial information. White and Nteli (2004) focused on why the internet usage has not been increased in UK as compared to internet usage for banking purposes? Results found that the customers still have concerns about the security and safety aspects of the internet. Lack of internet accessibility and a provision of documentary evidence for all transactions are found important hurdles in the development of electronic banking in Thailand (Jaruwachirathanakul and Fink, 2005). Laforet and Li (2005) found that habit of carrying cash, less accessibility of internet and documentary proof of financial transaction as important hurdles in adoption, in case of China. Lack of specific laws to govern internet banking is another important concern for users. It covers issues such as unfair and deceptive trade practice by supplier, unauthorized access by hackers. Larpsiri et al. (2002) argued that it is not clear whether electronic documents and records are acceptable as sufficient evidence of transactions. Another issue is the jurisdiction of the courts and dispute resolution procedures in case of using internet for commercial purpose. Dispute can arise from many issues. For instance, websites is not branch of the bank. It is difficult for the court to define location of branch and decide whether they have jurisdiction (Rotchanakitumnuai and Speece, 2003). Other risks associated to electronic banking are job losses, lack of opportunities to socialize and development of lazy society were mentioned by (Black et al. , 2001). Demographic factors Gender alone is not a significant factor, affecting adoption of technology in general (Gefen and Straub, 1997). However, Kolodinsk et al. (2004) found that married couples are more likely to adopt the new technology than either single males or females. Research has also linked age and adoption of technology, as young people are more likely to adopt technology (Lee et al. , 2002). Maturity in population in terms of knowledge, confidence and comfort in computer usage also increase influence towards online banking (Karjaluoto et al. , 2002). Increase in income and education have found positive effects on adoption (Lockett and Littler, 1997; Sarel and Marmorstein, 2003). Mattilia et al. (2003) indicated that young, educated and wealthy consumers are most likely to adopt internet banking in Finland. Mature customers prefer personal service and a printed receipt of their transactions. Mature customers also perceive internet banking to be more costly than paying bills over the counter. Methodology The study was conducted in Lahore city which is the second largest city of Pakistan and represents almost 20% of all branches network. Branches for survey were selected on convenience basis but after the permission of respective branch managers. Survey covered both residential and commercial areas. In this research data is conducted by using questionnaire as a data collection instrument, in which questions were asked starting from their command on computer and internet usage, following with the awareness of electronic banking and its types, about the benefits of e-banking and then some questions regarding their bank services and the security provide by these banks. The questionnaire includes close-ended questions and they were on liker scale of utilizing a five point categorical. IV. EMPIRICAL RESULTS There is â€Å"table † which shows gender wise association with research questions No. Question| Gender| | Total| P – values| | | | Male| Female| | | | | | | | | | | 1| Aware of electronic banking| 196| 200| 396| 0. 011| | 2| Your bank provides electronic banking facility| 190| 195| 385| 0. 000| | | | | | | | | 3| Aware of SMS banking| 196| 195| 391| 0. 036| | | | | | | | | 4| Aware of INTERNET banking| 189| 198| 387| 0. 010| | | | | | | | | 5| Aware of ATM card usag e| 193| 198| 391| 0. 054| | | | | | | | | 6| Aware of PHONE banking| 193| 199| 392| 0. 272| | | | | | | | | 7| Satisfied with the E-banking services provided by| | | | | | | bank| 192| 198| 390| 0. 08| | | | | | | | | 8| Satisfied with the security of E-banking provide by| | | | | | | bank| 191| 195| 386| 0. 068| | | | | | | | | 9| Want to use e-banking facilities in future| 194| 197| 391| 0. 000| | | | | | | | | Table shows the different questions and their association with gender. First question is about awareness of electronic banking. Total respondents who answered this question were 396 in which 196 were male respondents and 200 were female respondents. Its result shows that awareness of electronic banking is dependent on gender. Next question was answered by 385 total respondents from which the amount of male and female were 190 and 195 respectively. Its results show that providing e-banking services by banks were highly dependent on gender. Third one is about awareness of SMS banking which was answered by 196 male and 195 female respondents. Its result shows that awareness of SMS banking is also dependent on gender. Now the next question is about Internet banking awareness which was answered by 189 male respondents and 198 female respondents and its result shows that awareness of internet banking is dependent on gender. Next question is about awareness of ATM card usage. Total 391 respondents answered that question from which the amount of male and female were 193 and 198 respectively. It results shows that awareness of ATM card usage is not dependent on gender. Now there is a question about Phone banking awareness so total 392 respondents answered that question from which 193 were male and 199 were female and its result shows that phone banking awareness is not dependent on gender. Now the seventh question was asked by respondents about their satisfaction about e-banking services providing by their banks and total 390 answered that question and its result shows that satisfaction about e-banking services providing by banks is depends on gender. Now there is second last question which was answered by 191 male and 195 female respondents and its result shows that satisfaction about security of e- banking providing by banks is not depends on gender. Last question is about the using e-banking service in future and its results are highly dependent on gender. | | Aware of electronic banking| | | | | | | | | | | | | | | strongly| | | | | | | | | disagree| disagree| neutral| agree| strongly agree| Total| | Gender| Male| 13| 28| 46| 64| 45| 196| | | | | | | | | | | | Female| 31| 32| 53| 57| 27| 200| | Total| | 44| 60| 99| 121| 72| 396| | | | | | | | | | | | | | | | | | | | Now there is a table which shows the description of the question, â€Å"Aware of electronic banking †. It shows the amount of respondents from strongly disagree to strongly agree. The highest figures of people are agreed about awareness of e-banking. In male respondents 64 were agree which is 33% of total male respondents. Likewise, in female respondents 57 were agreeing about it which is 29% of total females. | | | High| | | Post| | | | No. | Question| Primary| School| Secondary| Graduate| Graduate| Frequency| P-values| | 1| Aware of electronic banking| 8| 7| 10| 195| 164| 384| 0. 000| | | | | | | | | | | | 2| Use debit or credit cards for| | | | | | | | | | online transactions| 8| 6| 8| 191| 163| 376| 0. 008| | | | | | | | | | | | 3| Aware of ATM card usage| 8| 7| 10| 193| 163| 381| 0. 030| | | | | | | | | | | | | Aware of PHONE banking| 8| 7| 10| 194| 161| 380| 0. 155| | | | | | | | | | | | 5| Feel risk about hacking of| | | | | | | | | | passwords| 8| 7| 10| 192| 161| 378| 0. 555| | | | | | | | | | | | 6| Satisfied with the E-banking| | | | | | | | | | services provide by bank| 8| 7| 9| 191| 163| 378| 0. 269| | | | | | | | | | | | | More trust on the bank| | | | | | | | | 7| employees with communication| | | | | | | | | | tha n E-banking| 8| 7| 10| 191| 163| 379| 0. 680| | 8| Want to use e-banking facilities| | | | | | | | | | in future| 8| 7| 9| 192| 163| 379| 0. 69| | | | | | | | | | | | In this table there is a demographic of education whose relationship with research questions is given in above table. No. | | | | | | | | | Age| | | | | | | | Question| | | Below| 20 -| 30 -| 40 -| 50 -| Above| Frequency| P-values| | | | | | | | | | | | | | | | | | | | | 19| 29| 39| | 49| 59| 60| | | | | | | | | | | | | | | | | | | | 1| Have full command on computer| | 91| 241| 30| | 16| 10| 3| 391| 0. 034| | | | | | | | | | | | | | | 2| Involved in banking transactions| | 91| 239| 30| | 14| 14| 3| 391| 0| | | | | | | | | | | | | | | | Awareness of usefulness of| | | | | | | | | | | | | electronic banking| | | | 91| 238| 30| | 16| 14| 3| 392| 0. 004| | | | | | | | | | | | | | | | | 4| Your Banks provides online technical| | | | | | | | | | | | assistance or 24 helpline| | 88| 240| 30| | 16| 14| 3| 391| 0. 002| | | | | | | | | | | | | | | 5| Use debit or credit cards for online| | | | | | | | | | | | transactions| | | | 90| 237| 30| | 16| 14| 3| 390| 0| | | | | | | | | | | | | | | | | 6| Aware of INTERNET banking| | 91| 238| 29| | 14| 14| 3| 389| 0. 443| | | | | | | | | | | | | | | | Aware of PHONE banking| | 91| 240| 30| | 16| 14| 3| 394| 0. 105| | | | | | | | | | | | | | | 8| It provides| easy| way| to monitor| a| | | | | | | | | | | | account| | | | | 91| 242| 30| | 16| 14| 3| 396| 0. 019| | | | | | | | | | | | | | | | | | 9| Feel risk about hacking of passwords| 91| 239| 30| | 16| 13| 3| 392| 0. 089| | | | | | | | | | | | | | 10| Have easy access to ATM machine| | 88| 240| 30| | 16| 13| 3| 390| 0| | | | | | | | | | | | | | | 11| Satisfied| with| the| E-banking| | | | | | | | | | | | services provide by bank| | 90| 240| 30| | 16| 13| 3| 392| 0. 47| | | | | | | | | | | | | | | 12| Satisfied| with| the| security| of| | | | | | | | | | | | E-banking provide by bank| | 89| 239| 28| | 16| 13| 3| 388 | 0. 004| | | | | | | | | | | | | | | 13| More trust on the bank employees| | | | | | | | | | | | with communication than E-banking| 90| 241| 30| | 16| 13| 3| 393| 0. 036| | | | | | | | | | | | | | Above table shows the relationship of research questions with age. In first question it is asked about command on computer. This question was answered by total 391 respondents from which from which 91 respondents had age less than 19.

MGMT Assignment Example | Topics and Well Written Essays - 500 words

MGMT - Assignment Example For example, managers are only recently beginning to be coached in order to relay responsibilities and duties to team leads under them. This has led to a somewhat distant employee/manager relationship with improvement based solely on written and verbal warnings. Secondly, there is a certain lack of communication between employee and management which is seen from the fact that to date none of the employee suggestions and opinions on policies or projects have been applied or even considered. Managers have only begun to be trained to communicate with their leads and hear their ideas. Even though employee performance management is effectively measured with monthly and annual reviews, three still isn’t a standard system in place for recording and evaluating employee complaints. Thus far, they are only able to put forth their concerns via email, which lacks anonymity, further discouraging many who would like to remain anonymous Thirdly, ERC also needs to develop a regular approach t o rewarding and appreciating its employees. It does intermittently hand out bonuses and rewards but on the whole needs a lot of improvement in reinforcing its employee’s hard work, motivation and dedication. For example, there still aren’t any programs rewarding employees of the month or handing out performance appraisals.

Vibration Training Coursework Example | Topics and Well Written Essays - 4500 words

Vibration Training - Coursework Example These efforts led to the development of vibration platforms and whole body vibration technology as a solution (History of Whole Body Vibration). Vibration training is a technology and not a device. The device employed is the vibration platform. In whole body vibration training vibration platforms are used and the individual stands, sits, or lies prone on the vibration platform, depending on how and for what are the objectives in the use of the technology. The frequency and the strength of the vibrations can be adjusted for achieving different ends. The individual holds the required position on the vibrating platform, which may be in the standing on one foot or squatting with knees fully bent and so on for a selected period of time, like sixty seconds. Vibration training is thus a simple means for achieving certain desired health parameters in individuals (Whole body vibration training). Evidence from studies of individuals exposed to vibration effects show that there are a host of possible beneficial as well as destructive effects. Summarizing these effects is that every biological system and subsystem of the human body can possibly be affected by vibration input, as is seen from chronic exposure to vibrations at the wrokplace. Given that gravity works in the verticular direction, exercising in the verticular direction causes verticular expansion and contraction of all the major organs in human body, the abdominal cavity and the muscles in the body. These movements can provide the beneficial effect of stimulating growth plates, improving blood circulation, activating the lymph system, eliminating cellulite and enhancing muscle strength. This is the basis for the posit that controlled exposure to vibrations could have beneficial impacts (Mester et al, 1999). The medical use of vibration training is derived from the possibility of vibration training being beneficial in strengthening muscles, enhancing bone

Case studyfinish 3 questions Essay Example | Topics and Well Written Essays - 3000 words

Case studyfinish 3 questions - Essay Example ons produce cola and take some piece of the overall industry," said Lu Dong, leader of the Peking office for Wahaha Group, the Hangzhou-based guardian organization. So is this the worlds first enthusiastic cola? "On the off chance that one has an energetic feeling, perhaps one beverage Future Cola. Anyway if one does not drink Future Cola, it doesnt mean one is not energetic," said Ms Lu. For the present it is a Chinese David against the multinational Goliaths. Anyway the endeavor by a household organization to test the presence of remote brands takes after a pattern as of recently seen with other purchaser items, for example, Lucky Polaroid film (pitched against Kodak) and Li Ning sportswear (the closest thing to a neighborhood Nike or Adidas). As per figures from the Chinese Beverage Industry Association, the deals volume of Coca-Cola and Pepsi in China has hopped five fold since 1992, with 1.36 million tons of the two beverages sold a year ago. This makes Future Cola yet a teaspoon in the sea of cola beverages, with most extreme processing around a twentieth of its joined together two major opponents deals. In any case Wahaha is not by any means the only Chinese sodas organization that is attempting to rival the multinationals. Fenhuang Cola and Lechen Cola are two other Chinese cola items being advertised this middle of the year. While Wahahas Future Cola is the one attempting to offer itself on patriotism, promotions helpfully overlook the way that the organization is 51 for every penny claimed by the French organization Danone and a Hong Kong venture organization. Anyway Ms Lu claims it likewise coddles Chinese palates: "We make the taste more suitable for Chinese. We made a business sector overview. Coca-Cola is a bit excessively solid in taste, so we make Future Cola some more tender." A "modest" measure of Chinese solution was incorporated for its taste however, much the same as Coca- Cola, the formula is "mystery," she included. Still, the most

Intellectual Journal Essay Example | Topics and Well Written Essays - 750 words

Intellectual Journal - Essay Example According to the prescription of prayer, any true Muslim should attend to prayers during the prescribed times five times a day. If they fail to follow this prescription, they will surely fall into disbelief. I have observed with admiration Muslims observing the daily prayers as required by the Holy Quran. However, from my understanding of God as being spirit, one of the requirements for His worship is that those who worship Him must do so in spirit. Therefore, according to my view of prayer, it is not the frequency of attendance to the Mosque that counts but rather the state of our spirit, whether it is in harmony with the spirit of God or not. As result, the strict observance of prayer in Islam, somehow conflicts with my understanding that God is everywhere and cannot be contained in a particular place or time. Although, from an ecumenical point of view, such an understanding of the obligations of prayer by Muslims will change the perspective I hold in terms of embracing them at wor k or to attend to their spiritual obligations which ensures harmonious existence in society. In her article What everyone should know about Islam and Muslims, Suzzane Haneef (156) considers Zakah as one of the most fundamental elements of prayer and worship in the Islamic faith. It refers to the acts of Muslim worship by means of his or her wealth through an obligatory form of giving to those in need. As mentioned in the above article, â€Å"Islam proclaims that the true owner of everything is not the human being but God who bestows wealth on people out of His beneficence as He sees fit † (Suzzane Haneef 59). According to this statement, contrary to the wealth perspective of non-Muslims who uphold the view that wealth is as a result of their hard work, the true believer of Muslim acknowledges that all wealth they have is from God. There a Muslim should always be filled with gratitude and be ready to offer part of their wealth to those who lack in society. First and foremost, like many non-Muslims, I certainly do not consider it a spiritual obligation to give to the poor. The Islamic obligation of Zakah is conflicting with the belief I hold, that it is fine for one to be filled with compassion towards those in need, but certainly I consider it not to be obligatory. I have always known that society is divided into social classes and it is their sole responsibility to work towards improving their condition of life. I also would consider giving Zakah as an act that may encourage tendencies of laziness in society. For example, I see poor people sitting on the entrance of Mosques waiting for worshipers to give them bread for the day (Maudoodi 54). In most cases, the worshipers do not offer a long lasting solution to the condition of the poor. As a result reading about Zakah concept in Islamic worship provokes thoughts that tend to view it as something that encourages master slave mentalities in society. My understanding of giving is that it is should come nat urally and in a spontaneous manner from the giver. If giving becomes obligatory, it will reach a time when the giver will get tired of giving. My view of giving is that one should give to a person or place or event that has inspired them. According to Suzzane Haneef’s article titled, What everyone should know about Islam and Muslims, family life is considered one of the most emphasized areas in Islam. The Islamic view of marriage, where social contact between young men and young ladies is discouraged, conflicts with my understanding that every young man and lady has a right to social contacts (Haneef 155). From my point of view I consider it important that young men and women be

Case 9A (Middlehurst House) Coursework Example | Topics and Well Written Essays - 750 words

Case 9A (Middlehurst House) - Coursework Example A few though especially those who have children in 5-6 age group do not support any increase. Both scenarios will be analyzed separately to determine the best way forward. Decreasing the size of the class and increasing tuition fee by 25% will not be the best thing to do since the business will operate at a loss. However, a decrease in class size followed by a 50% increase in tuition fee will be favored since the later generates $4,780 in profit. Both options, however, yield positive marginal profit as seen but fixed costs eat into the profits generated in the first option. From the analysis, the best increase to maintain current profit levels would probably be X-(6,970+22,150) = 500 gives 29,620 for X. This is 8,120 more than the current revenue (21,500) which translates to 8,120/21500*100 = 37.7% required increase if the partnership must maintain the current profit levels after decreasing classes. Creating of new classes will raise the cost especially by the new tutors who will be required to teach the extra students. Classes will not be functioned at their capacity, and this will lead to a loss of $261 as shown in the calculations above. It is therefore not the best decision for the daycare home. It is profitable to create new classes from the waiting list while keeping small. This will generate $5,117, which is $4,617 more than the current profits. Other factors have to be carefully analyzed apart from the current costs (Brewer, 2008). Starting an infant class will be a good thing to do if classes are decreased and new rates are in effect. The effect of adding a single infant class is evaluated below. According to Hoffjan & WÃ ¶mpener (2006), evaluation of several situations is necessary to arrive at the best. From the analysis, the management is best placed if it does two simultaneous decisions at the same time i.e. decreasing class size by increasing tuition fee by 37.7% and starting of