Nur 405 Healthy Communitites Windshield Reflection

Windshield Survey Reflection Jessica O. NUR/405 Healthy Communities: Theory and Practice March 28th, 2016 Cynthia Januale Community can be defined in many ways. According to Meriam Webster (n.d), there are 12 different ways that community can be defined. Community can best be defined as â€Å"a group of people who live in the same area (such as a city, town, or neighborhood)† (Community, n.d). To most people, community is the area and people that surround the place they live and/or work. Community health is defined by Stanhope and Lancaster (2014) as â€Å"the meeting of collective needs through identification of problems and management of behaviors within the community itself and between the community and the larger society.† Community as†¦show more content†¦Being stuck inside a home all winter with lack of activity and social interaction can actually be detrimental to people’s health, especially vulnerable populations such as senior citizens. The citizens are also able to freely get outdoors and get exercise due to the safety and security of the city. Not only is it a lo w crime city, but the city has made many trails and bike lanes throughout the city to enable its’ citizens to enjoy all the beauty the city has to offer. Another aspect of the city that can affect residents’ health is the fact that it is the base of the foothills of the San Gabriel Mountains. This can cause an increase in smog conditions because the smog tends to stack up against the mountains when there is not enough of an off-shore flow of wind to remove the smog. This can affect allergies, asthma and can also cause other respiratory problems. Nutrition, physical activity and obesity is one of the Healthy People 2020 leading health indicators that is relevant to the community. As previously mentioned the city of La Verne offers a wide variety of exercise and outdoor activity opportunities such as community exercise classes, bike lanes and walking trails, as well as a safe environment for its’ citizens to be able to exercise outdoors. It also has gyms such as LA Fitness that provide an indoor workout area for its’ citizens. The city has many grocery stores with fresh produce as well as a fruit stand

Summary Of Eveline By James Joyce - 1327 Words

Choices In the short story â€Å"Eveline,† written by James Joyce in 1914, Eveline lived a poverty stricken life with her father, whom was an abusive drunk. Eveline struggles with wanting to leave her dead end life or stay and take care of her father, which she believes is her duty. James Joyce’s â€Å"Eveline† tells a story of a girl who longs to live her own life away from her dark depressing home and her abusive father and start a new life with Frank who offers her a new life that she has only dreamed of, yet her inner struggles to leave may just be enough to keep her there. Eveline’s home life is nothing but a dark depressing tragedy that she is longing to get far away from. Eveline was now the only child left in house. She was to care for her†¦show more content†¦It was hard work--a hard life--†¦Ã¢â‚¬  Eveline wanted to get away. She wanted a new life away from her troubles at home where she could be a woman with a purpose. Frank is offering Eveline the chance of a life time to escape her spiraling downward hole of a life where she doesn’t have to be belittled every day and can start a new life where she is a respected woman. Frank was offering Eveline the chance to get away and have a new life: â€Å"She was to go away with him by the night-boat to be his wife and to live with him in Buenos Ayres where he had a home waiting for her.† She had a whole new life just handed to her. A life where she could be respected and have someone take care of her. He showed her how much he cared in just the simplest of ways: â€Å"He used to meet her outside the Stores every evening and see her home.† Simple gestures like that showed how he wanted to take care of her. He is wanting to show her what it was like to be taken care of instead of taking care of everyone else. Frank is the one chance that Eveline may ever have to get away. Eveline’s father knows that and tries to make sure his daug hter never sees Frank again: â€Å"Of course, her father had found out the affair and had forbidden her to have anything to say to him ‘I know these sailor chaps,’ he said. One day he had quarrelled with Frank and after that she had toShow MoreRelatedSummary Of Eveline By James Joyce960 Words   |  4 PagesIn 1914 James Joyce wrote a short story called â€Å"Eveline.† The story is about a young girl who wants have freedom and happiness. Also for someone to be there and love her. Eveline is faced with a difficult decision of staying with a family that has practically already fallen apart, or leaving with her future husband, Frank. Eveline lives in a place called Dublin with what is left of her family. Eveline has a big family with brothers and sisters, but one her brothers passed. His name was Ernest andRead MoreSummary Of Eveline By James Joyce1811 Words   |  8 Pagesin â€Å"Eveline† Through symbolism, history, and allusion, James Joyce depicts a struggle between paralysis and motivation in the short story, â€Å"Eveline.† The story shifts between the happenings of present day and past recollections. Early on, the protagonist, Eveline makes the decision to leave home in order to make a better life for herself. She wants to flee from her abusive, alcoholic father. Eveline determines that it is time to make her own choices. When it comes time to leave, Eveline is mentallyRead MoreSummary Of Eveline By James Joyce1617 Words   |  7 PagesThis is a story of an eighteen year old girl named Eveline, who was beaten, abused, threatened and frustrated by her father, in which she makes a decision to run away from home. But when she flashed back on the promises she made to her mother, she decided to stay with her family â€Å"strange that it should come that very night to remind her of the promise to her mother, her promise to keep the home together as lon g as she could† (James Joyce 204). Eveline wisely realized that leaving her family was notRead MoreEveline1643 Words   |  7 PagesIn â€Å"Eveline,† James Joyce uses the juxtaposition of the ever-changing setting and the unchanging stoic character of Eveline in order to exemplify the character’s reluctance and inability to move forward. James Joyce is known for his juxtaposition of light and dark throughout his short stories, specifically in his story â€Å"Araby.† I would argue that Joyce is using the contrast of opposing forces described above between the setting and the character in a similar way as he was light and dark. â€Å"Araby†Read MoreReview Of Eveline By James Joyce1684 Words   |  7 PagesJames Joyce’s short story, â€Å"Eveline,† displayed Eveline’s indecisiveness on whether to leave home or stay at home. In the first part of the story, Eveline lost the physical presence of her family and friends; they either preceded in death or moved to another place. As she tried to develop her new life with her father, she noticed her father’s violent actions that she does all she can to escape the violence (Joyce, par. 9). When she explored life with Frank, she developed feelings for Frank in orderRead MoreChange: The Seed of Evolution2514 Words   |  11 Pagesunassociated (â€Å"Epiphany†). Authors often use this device not only to convey a realization on the part of their character, but also to allude to an internal message (â€Å"Epiphany†). James Joyce employed this device in many of his works in hopes of revealing to his Irish peers the low esteem of their conduct (Bulson 33). James Joyce was born in Ireland to a borderline destitute/middle-class family. After his graduation from the University College, he moved to Paris to study medicine only to be called backRead MorePsychoanalytic Criticism Of Eveline1958 Words   |  8 PagesJames Joyce wrote a short story, â€Å"Eveline,† to discuss Eveline’s indecisiveness on whether to leave home or stay at home. In the first part of the story, Eveline lost the physical presence of her family and friends; they either preceded in death or moved to another place. As she tried to develop her new life with her father, she noticed her father’s â€Å"violent† actions that she does all she can to escape the violence. When she explored life with Frank, she developed feelings for Frank in order to escapeRead MoreEveline3513 Words   |  15 Pageshardship. Alcoholism and abuse, as portrayed in â€Å"Eveline† were rampant. As a result, many of the Irish sought to escape James Joyce represents everyday life of Dublin in the early twentieth century in his collection of short stories, Dubliners. Dubliners consists of 15 stories and each of them unfolds lives of many different Dubliners vividly. By describing details of ordinary life and characters inner life, which is described by their interior monologue, Joyce succeeds in showing the realistic landscapeRead MoreMiss1743 Words   |  7 PagesDubliners Dubliners is a collection of 15 short stories by James Joyce, first published in 1914. The fifteen stories were meant to be a naturalistic depiction of the Irish middle class life in and around Dublin in the early years of the 20th century. The stories were written at the time when Irish nationalism was at its peak, and a search for a national identity and purpose was raging; at a crossroads of history and culture, Ireland was jolted by various converging ideas and influences. They centre

State Bank of Mysore Project Free Essays

string(71) " of data through various ways such as primary data and secondary data\." INTRODUCTION As a part of the MBA programme, I have undertaken Project Work i. e. an Organizational Study of State Bank of Mysore, which I completed as per the requirements of the organization as well as project rules. We will write a custom essay sample on State Bank of Mysore Project or any similar topic only for you Order Now This internship did enable me to understand the nuances of the service sector and get an on-hand experience of application of theoretical knowledge. In fact it gave me a look-through to gimmicks of the game and assured me of the fact that „Business is a combo of Art, Science and Profession. I did gain good amount of knowledge since I had an encounter with the assets of the organization or rather Employees of the firm, its? ulture, practices, departments, so†¦ On and so forth. Walter Lipmann says â€Å"The ultimate test of a leader is found by the trail he leaves behind and not by what he has achieved†. And therefore let me take you through further in this report to show you what trail State Bank of Mysore has left by being a Leader in letter and spirit. The study is limited to the information drawn from the authorities of the organization and its? respective website. The study is not proposed to be an expert study since the time frame offered for the study was very short. However the scope of the study, by and large is all inclusive though there could be areas which are not addressed to due to the reason stated above already. All in all it was an experiential learning that an MBA candidate is expected to possess which was possible because of curriculum defined by the Bangalore University and State Bank of Mysore. Rest assured I am now for this internship has cleared the veil in front of us to let us know how actually does a firm look like and functions, unlike what we had read in the books. Chapter – 1 MEANING OF ORGANISATION Organisation is the foundation upon which the whole structure of management is built. Organisation is related with developing a frame work where the total work is divided into manageable components in order to facilitate the achievement of objectives or goals. Thus, organisation is the structure or mechanism (machinery) that enables living things to work together. In a static sense, an organisation is a structure or machinery manned by group of individuals who are working together towards a common goal. Organisation is the process of identifying and grouping work to be performed, defining and delegating responsibility and authority and establishing relationship for the purpose of enabling people to wore most effectively together in accomplishing objectives†. Definition Different authors have defined organisation in different ways. The main definitions of organisation are as follows: †¢ According to Keith Davis, â€Å"Organisation may be defined as a group of individuals, large of small, that is cooperating under the direction of executive leadership in accomplishment of certain common object. †¢ According to Chester I. Barnard, â€Å"Organisation is a system of co-operative activities of two or more persons. † †¢ According to Louis A. Allen, â€Å"Organisation is the process of identifying and grouping the work to be performed, defining and delegating responsibility and authority, and establishing relationship for the purpose of enabling people to work most effectively together in accomplishing objectives. † †¢ According to Mooney and Railey, â€Å"Organisation is the form of every human association for the attainment of a common purpose. † IMPORTANCE OF ORGNISATIONAL STUDY The effectiveness and efficiency of organization helps in providing the continuity and success to the enterprise. There are many factors that explain the importance and objectives of organisation and they are:- 1. Facilitates Administration: An efficient and sound organisation make easy for the management to relate the flow of resource continually to the overall objectives. A sound organisation helps in providing appropriate platform where management can performs the functions of planning, direction, coordination, motivation and control. 2. Facilitates Growth and Diversification: A sound organisation helps in the growth and diversification of activities. The growth is facilitated by clear division of work, proper delegation of authority etc. In short, it helps in the organisational elaboration. In case of reasonable expansion of organisation, the functional types get replaced by a more flexible decentralized organisation. 3. Permits optimum use of Resources: The optimum use of technical and human resources gets facilitated in sound and efficient organisation. The organisation can have the facilities of latest technological developments and improvements. It also facilitates optimum use of human resources through specialization. The people in the organisation get appropriately trained and get promotion opportunities. A sound organisation provides all the desired potential and strength to the company to meet the future challenges. 4. Stimulate Creativity: The specialization in the organisation helps individuals in getting well defined duties, clear lines of authority and responsibility. It encourages the creativity of the people. The sound organisational structure enables mangers to concentrate on important issues where their talent can be exploited to the maximum. . Encourages Humanistic Approach: A sound organisation helps in adopting efficient methods of selection, training, remuneration and promotion for employees. It makes people work in a team and not like machines or robots. Organisation helps in providing factors like job rotation, job enlargement and enrichment to its employees. A sound organisation provides higher job satisfa ction to its employees through proper delegation and decentralization, favourable working environment and democratic and participative leadership. It enhances the mode of communication and interaction among different levels of the management. PRINCIPLES OF ORGANIZATION ? The Principle of Objective ? Principle of Specialization ? The Scalar Principle ? The Principle of Authority ? The Principle of Unity of Command OBJECTIVES OF THE STUDY 1. To study the organization 2. To study various departments such as: a). Operations Management Department b. Planning and Development Department c). Commercial and Institutions Department d). Treasury Department e). Technology Department f). Vigilance and Inspection Department 3. To study the day to day activities of the Bank DATA COLLECTION The methodology used in this study involves the collection of data through various ways such as primary data and secondary data. You read "State Bank of Mysore Project" in category "Essay examples" Primary data Primary data is collected from primary sources the data collected through interview with various department heads and officers of the firm. With the help of managers and employees in various department helps to get a clear idea about the organization and its day to day activities. Secondary data Publications of a wide variety provide a good deal of external secondary data. News paper, magazines, technical journals, trade publications, directories, government publications, committee reports, these are sources of external secondary data. Secondary data can also be purchased in some cases from commercial marketing research services. Various types of written documents within the organization, magazines and internet. a) Price lists b) Catalogues etc c) Internet and websites 1. 6 LIMITATION OF STUDY 1. Very less time span is available for study. 2. Sales data is taken 18th July to 18th August 3. Lack of prior experience. 4. There is a possibility 0f an exaggerated claim. INDUSTRY PROFILE pic] Chapter –2 Overview of Industry Profile A Bank is a financial institution and a financial intermediary that accepts deposits and channels those deposits into lending activities, either directly or through capital markets. A bank connects customers that have capital deficits to customers with capital surpluses. Due to their critical status within the financial sys tem and the economy] generally, banks are highly regulated in most countries. Most banks operate under a system known as fractional reserve banking where they hold only a small reserve of the funds deposited and lend out the rest for profit. They are generally subject to minimum capital requirements which are based on an international set of capital standards, known as the Basel Accords. The oldest bank still in existence is Monte dei Paschi di Siena, headquartered in Siena, Italy, which has been operating continuously since 1472 Banking Sector in India Banking in India originated in the last decades of the 18th century. The first Banks were The General Bank of India, which started in 1786, and Bank of Hindustan, which started in 1790; both are now defunct. The oldest Bank in existence in India is the State Bank of India, which originated in the Bank of Calcutta in June 1806, which almost immediately became the Bank of Bengal. This was one of the three presidency Banks, the other two being the Bank of Bombay and the Bank of Madras, all three of which were established under charters from the British East India Company. For many years the Presidency Banks acted as quasi-central Banks, as did their successors. The three Banks merged in 1921 to form the Imperial Bank of India, which, upon India’s independence, became the State Bank of India. History Indian merchants in Calcutta established the Union Bank in 1839, but it failed in 1848 as a consequence of the economic crisis of 1848-49. The Allahabad Bank, established in 1865 and still functioning today, is the oldest Joint Stock Bank in India. (Joint Stock Bank: A company that issues stock and requires shareholders to be held liable for the company’s debt) It was not the first though. That honour belongs to the Bank of Upper India, which was established in 1863, and which survived until 1913, when it failed, with some of its assets and liabilities being transferred to the Alliance Bank of Shimla. When the American Civil War stopped the supply of cotton to Lancashire from the Confederate States, promoters opened Banks to finance trading in Indian cotton. With large exposure to speculative ventures, most of the Banks opened in India during that period failed. The depositors lost money and lost interest in keeping deposits with Banks. Subsequently, Banking in India remained the exclusive domain of Europeans for next several decades until the beginning of the 20th century. Foreign Banks too started to arrive, particularly in Calcutta, in the 1860s. The Comptoire d’Escompte de Paris opened a branch in Calcutta in 1860, and another in Bombay in 1862; branches in Madras and Pondicherry, then a French colony, followed. HSBC established itself in Bengal in 1869. Calcutta was the most active trading port in India, mainly due to the trade of the British Empire, and so became a Banking centre. The first entirely Indian joint stock Bank was the Oudh Commercial Bank, established in 1881 in Faizabad. It failed in 1958. The next was the Punjab National Bank, established in Lahore in 1895, which has survived to the present and is now one of the largest Banks in India. Around the turn of the 20th Century, the Indian economy was passing through a relative period of stability. Around five decades had elapsed since the Indian Mutiny, and the social, industrial and other infrastructure had improved. Indians had established small Banks, most of which served particular ethnic and religious communities. The presidency Banks dominated Banking in India but there were also some exchange Banks and a number of Indian joint stock Banks. All these Banks operated in different segments of the economy. The exchange Banks, mostly owned by Europeans, concentrated on financing foreign trade. Indian joint stock Banks were generally undercapitalized and lacked the experience and maturity to compete with the presidency and exchange Banks. This segmentation let Lord Curzon to observe The period between 1906 and 1911, saw the establishment of Banks inspired by the Swadeshi movement. The Swadeshi movement inspired local businessmen and political figures to found Banks of and for the Indian community. A number of Banks established then have survived to the present such as Bank of India, Corporation Bank, Indian Bank, Bank of Baroda, Canara Bank and Central Bank of India. No. of Banks Failed their Capitals | Years |Number of Banks |Authorised capital(Rs. |Paid-up Capital | | |that failed |Lakhs) |(Rs. Lakhs) | | 1913 | 12 | 274 |35 | | 1914 | 42 |710 | 109 | | 1915 | 11 | 56 | 5 | | 916 | 13 |231 | 4 | | 1917 | 9 | 76 |25 | | 1918 | 7 |209 | 1 | Table 2. 1: No. of Banks Failed and its capital The fervour of Swadeshi movement lead to establishing of many private Banks in Dakshina Kannada and Udupi district which were unified earlier and known by the name South Canara ( South Kanara ) district. Four nationalised Banks started in this district and also a leading private sector Bank. Hence undivided Dakshina Kannada district is known as â€Å"Cradle of Indian Banking†. During the First World War (1914-1918) through the end of the Second World War (1939-1945), and two years thereafter until the independence of India were challenging for Indian Banking. The years of the First World War were turbulent, and it took its toll with Banks simply collapsing despite the Indian economy gaining indirect boost due to war-related economic activities. At least 94 Banks in India failed between 1913 and 1918 as indicated in the following table: Post-Independence The partition of India in 1947 adversely impacted the economies of Punjab and West Bengal, paralyzing Banking activities for months. India’s independence marked the end of a regime of the Laissez-faire for the Indian Banking. The Government of India initiated measures to play an active role in the economic life of the nation, and the Industrial Policy Resolution adopted by the government in 1948 envisaged a mixed economy. This resulted into greater involvement of the state in different segments of the economy including Banking and finance. The major steps to regulate Banking included: ? The Reserve Bank of India, India’s central Banking authority, was nationalized on January 1, 1949 under the terms of the Reserve Bank of India (Transfer to Public Ownership) Act, 1948 (RBI, 2005b). ? In 1949, the Banking Regulation Act was enacted which empowered the Reserve Bank of India (RBI) â€Å"to regulate, control, and inspect the Banks in India. † The Banking Regulation Act also provided that no new Bank or branch of an xisting Bank could be opened without a license from the RBI, and no two Banks could have common directors. Nationalisation [pic] Banks Nationalisation in India: Newspaper Clipping, Times of India, July, 20, 1969 Despite the provisions, control and regulations of Reserve Bank of India, Banks in India except the State Bank of India or SBI, continued to be owned and operated by privat e persons. By the 1960s, the Indian Banking industry had become an important tool to facilitate the development of the Indian economy. At the same time, it had emerged as a large employer, and a debate had ensued about the nationalization of the Banking industry. Indira Gandhi, then Prime Minister of India, expressed the intention of the Government of India in the annual conference of the All India Congress Meeting in a paper entitled â€Å"Stray thoughts on Bank Nationalisation. † The meeting received the paper with enthusiasm. Thereafter, her move was swift and sudden. The Government of India issued an ordinance and nationalised the 14 largest commercial Banks with effect from the midnight of July 19, 1969. Jayaprakash Narayan, a national leader of India, described the step as a â€Å"masterstroke of political sagacity. † Within two weeks of the issue of the ordinance, the Parliament passed the Banking Companies (Acquisition and Transfer of Undertaking) Bill, and it received the presidential approval on 9 August 1969. A second dose of nationalization of 6 more commercial Banks followed in 1980. The stated reason for the nationalization was to give the government more control of credit delivery. With the second dose of nationalization, the Government of India controlled around 91% of the Banking business of India. Later on, in the year 1993, the government merged New Bank of India with Punjab National Bank. It was the only merger between nationalized Banks and resulted in the reduction of the number of nationalised Banks from 20 to 19. After this, until the 1990s, the nationalised Banks grew at a pace of around 4%, closer to the average growth rate of the Indian economy. Liberalisation In the early 1990s, the then Narasimha Rao government embarked on a policy of liberalization, licensing a small number of private Banks. These came to be known as New Generation tech-savvy Banks, and included Global Trust Bank (the first of such new generation Banks to be set up), which later amalgamated with Oriental Bank of Commerce, Axis Bank(earlier as UTI Bank), ICICI Bank and HDFC Bank. This move, along with the rapid growth in the economy of India, revitalized the Banking sector in India, which has seen rapid growth with strong contribution from all the three sectors of Banks, namely, government Banks, private Banks and foreign Banks. The next stage for the Indian Banking has been set up with the proposed relaxation in the norms for Foreign Direct Investment, where all Foreign Investors in Banks may be given voting rights which could exceed the present cap of 10%, at present it has gone up to 74% with some restrictions. The new policy shook the Banking sector in India completely. Bankers, till this time, were used to the 4-6-4 method (Borrow at 4%; Lend at 6%; Go home at 4) of functioning. The new wave ushered in a modern outlook and tech-savvy methods of working for traditional Banks. All this led to the retail boom in India. People not just demanded more from their Banks but also received more. Currently (2007), Banking in India is generally fairly mature in terms of supply, product range and reach-even though reach in rural India still remains a challenge for the private sector and foreign Banks. In terms of quality of assets and capital adequacy, Indian Banks are considered to have clean, strong and transparent balance sheets relative to other Banks in comparable economies in its region. The Reserve Bank of India is an autonomous body, with minimal pressure from the government. The stated policy of the Bank on the Indian Rupee is to manage volatility but without any fixed exchange rate-and this has mostly been true. With the growth in the Indian economy expected to be strong for quite some time-especially in its services sector-the demand for Banking services, especially retail Banking, mortgages and investment services are expected to be strong. One may also expect M’s, takeovers, and asset sales. In March 2006, the Reserve Bank of India allowed Warburg Pincus to increase its stake in Kotak Mahindra Bank (a private sector Bank) to 10%. This is the first time an investor has been allowed to hold more than 5% in a private sector Bank since the RBI announced norms in 2005 that any stake exceeding 5% in the private sector Banks would need to be vetted by them. In recent years critics have charged that the non-government owned Banks are too aggressive in their loan recovery efforts in connection with housing, vehicle and personal loans. There are press reports that the Banks’ loan recovery efforts have driven defaulting borrowers to suicide. Phase 1 (March 2005 to March 2009) . Foreign banks were allowed to establish presence in India and were given an option to operate through branch presence or set up a 100% Wholly Owned Subsidiary (WOS). 2. Foreign banks were allowed to open 12 branches a year (the limit was in line with World Trade Organisation (WTO) commitment). Branch licensing procedure was kept same as applicable for private banks. More liberal branch opening policy was adopted in under-banked areas. 3. T he limit of 12 branches a year was raised to 20 branches for foreign banks in March2006. 4. Acquisition of shares in Indian banks by foreign banks was permitted for banks whichare identified by RBI for restructuring. Phase 2 (April 2009 onwards) 1. Branch expansion: -After reviewing the experience of the first phase, RBI has proposed to remove the restriction on branch expansion and limited excess to Indian market and treating them on par with domestic banks to the extent appropriate. 2. Listing of foreign banks: -After completion of the proposed year of operation in India, WOS of foreign banks will be allowed to list and dilute the stake in the manner that at least  of 26% of the paid-up capital remains with the resident Indian. . Mergers and acquisitions: -After a review is made with regard to the extent of  penetration of foreign investment in Indian banks and functioning of foreign banks, foreign banks may be permitted, subject to regulatory approvals and such conditions as may be prescribed, to enter into merger and acquisition transactions with any private sector bank  in India, subject to the overall investment limit of 74 per cent. Adoption of Banking Technology The IT revolution had a great impact in the Indian banking system. The use of computers had led to introduction of online banking in India. The use of the modern innovation and computerisation of the banking sector of India has increased many fold after the economic liberalisation of 1991 as the country’s banking sector has been exposed to the world’s market. The Indian banks were finding it difficult to compete with the international banks in terms of the customer service without the use of the information technology and computers. The RBI in 1984 formed Committee on Mechanisation in the Banking Industry (1984) whose chairman was Dr C Rangarajan, Deputy Governor, Reserve Bank of India. The major recommendations of this committee were introducing MICR Technology in all the banks in the metropolis in India . This provided use of standardized cheque forms and encoders. In 1988, the RBI set up Committee on Computerisation in Banks (1988) headed by Dr. C. R. Rangarajan which emphasized that settlement operation must be computerized in the clearing houses of RBI in Bhubaneshwar, Guwahati, Jaipur, Patna and Thiruvananthapuram. It further stated that there should be National Clearing of inter-city cheques at Kolkata, Mumbai, Delhi, Chennai and MICR should be made Operational. It also focused on computerisation of branches and increasing connectivity among branches through computers. It also suggested modalities for implementing on-line banking. The committee submitted its reports in 1989 and computerisation began form 1993 with the settlement between IBA and bank employees’ association. In 1994, Committee on Technology Issues relating to Payments System, Cheque Clearing and Securities Settlement in the Banking Industry (1994) was set up with chairman Shri WS Saraf, Executive Director, Reserve Bank of India. It emphasized on Electronic Funds Transfer (EFT) system, with the BANKNET communications network as its carrier. It also said that MICR clearing should be set up in all branches of all banks with more than 100 branches. Committee for proposing Legislation On Electronic Funds Transfer and other Electronic Payments (1995) emphasized on EFT system. Electronic banking refers to DOING BANKING by using technologies like computers, internet and networking, MICR, EFT so as to increase efficiency, quick service, productivity and transparency in the transaction. Apart from the above mentioned innovations the banks have been selling the third party products like Mutual Funds, insurances to its clients. Total numbers of ATMs installed in India by various banks as on end March 2005 is 17,642). The New Private Sector Banks in India is having the largest numbers of ATMs which is fol off site ATM is highest for the SBI and its subsidiaries and then it is followed by New Private Banks, Nationalised banks and Foreign banks. While on site is highest for the Nationalised banks of India. The below graphical representation shows Number of branches in India [pic] Figure 2:1 No. Branches in India . History of other banks in India (includes Nationalised Banks, Private Banks and Foreign Banks) | No. Year |Period |Characterized by | |1 |1840 to 1947 |Pre Independence |Small size, less regulated and bank  failures | |2 |1947 to 1969 |Post Independence to |Slower growth, private sector dominance and start of | | | |Nationalisation |regulation | |3 |1969 to1991 |Nationalisation to Liberalisation|Nationalised of banks by government, high regulation, | | | | |secular growth in business and expansion rising | | | | |inefficiencies | |4 |1991 to 2010 |Liberalisation to current  date |De- regulation, entry of private and foreign banks and | | | | |technological advancement | Table 2:2 History of Banks in India Arguments of government for nationalisation were as follows: Before the nationalisation, the privately-owned banks were operating on the criteria of profit maximisation and lesser emphasis was placed on the development of rural areas. Credit and deposits base was confined to large corporate and wealthy depositors. The nationalised banking set-up would vigorously pursue expansion programmes to cover rural areas, smaller towns and lower income groups. To pay special attention to inter-sectoral balances and balanced regional development. To take away the stranglehold of the few industrial houses on credit and reduce their control over the community’s resources. Ensure stability in the functioning of the credit institutions and inspire more confidence among the depositors. Encourage healthy competition between large and small industrial houses. Insummary, the following are the steps taken by the Government of India to regulate thebanking institutions in the country: 1949: Enactment of Banking Regulation Act. 1955: Nationalization of SBI. 1959: Nationalization of SBI subsidiaries. 1961: Insurance cover extended to deposits. 1969: Nationalization of 14 major banks. 1971: Creation of credit guarantee corporation. 1975: Creation of regional rural banks. 1980: Nationalization of seven banks with deposits over Rs. 200 crores. These are the list of banking currently operating in India: State Bank of Mysore State Bank of Bikaner and Jaipur State Bank of Hyderabad State Bank of Patiala State Bank of Travancore State Bank of Indore Nationalised Banks Allahabad Bank Indian Bank Andhra Bank Indian Overseas Bank Bank of Baroda Oriental Bank of Commerce Bank of India Punjab National Bank Bank of Maharashtra Punjab Sind Bank Canara Bank Syndicate Bank Central Bank of India Union Bank of India Corporation Bank United Bank of India Dena Bank 19. UCO Bank IDBI Bank Ltd. Vijaya Bank Private Sector Banks Axis Bank Jammu Kashmir Ban Bank Of Rajasthan Karnataka Bank Catholic Syrian Bank Karur Vysya Bank City Union Bank Kotak Mahindra Bank Development Credit Bank Lakshmi Vilas Bank Dhanalakshmi Bank Nainital Bank Federal Bank Ratnakar Bank HDFC Bank SBI Commercial International ICICI Bank South Indian Bank South Indian Bank IndusInd Bank Tamilnad MercantileBank Tamilnad Mercantile Bank ING Vysya Bank Yes Bank Yes Bank Foreign Banks ABN AMRO Bank DBS Bank 2. Abu Dhabi Commercial Bank Deutsche Bank Antwerp Diamond Bank HSBC Arab Bangladesh Bank JP Morgan Chase Bank Bank Of America Krung Thai Bank Bank Of Bahrain Kuwait Mashreq Bank Bank Of Ceylon Mizuho Corporate Bank Bank Of Nova Scotia Oman International Bank Bank Of Tokyo-Mitsubishi- UFI Shinhan Bank Barclays Bank Societe Generale BNP Paribas Sonali Bank Calyon Bank Standard Chartered Bank Chinatrust Commercial Bank State Bank of Mauri Objectives of the Study 1) To know the organisational structure of the SBM 2) To have the practical exposure to Organisational function as compared to theoretical concepts 3) To know the product and service offered by SBM at Kaval Byrasandra branch, Bangalore 4) To know its growth strategy and potential 5) To study the strength, weakness, opportunities and threats of the organisation to carry out swot analysis. Profile of State Bank of Mysore [pic] Chapter -3 [pic] State Bank of Mysore State Bank of Mysore was established on 2nd October 1913 as â€Å"Bank of Mysore Ltd†. under the royal patronage of the Maharaja of Mysore, erstwhile Govt. f Mysore, on the recommendations of the Banking Committee headed by the great Engineer-Statesman,Bhara Late Dr. Sir M. Vishweswaraiah . Subsequently, in March 1960, the Bank became an Associate of State Bank of India. State Bank of India holds 92. 33% of shares. The Bank’s shares are listed in Bangalore, Chennai, an d Mumbai stock exchanges. As an associate Bank, State Bank of Mysore has a team of employees with a management. This Bank has 737 branches (as on 31. 03. 2012) and 10249 employees. The Bank has regional officesin, Bengaluru, Mysore, Mangalore, Mandya, Hassan, Shimoga, Devanagari, Bellary, Tumkur, Kolar, Chennai, Coimbatore, Hyderabad, Mumbai and New Delhi. About State Bank of Myore | | |Date of Establishment |1913 | | | | |Revenue |( USD in Millions ) | | | | |Market Cap |21775. 942287 ( Rs. in Millions ) | | | | |Corporate Address |KG Road,PBNo 9727,Bengaluru-560009, Karnataka (www. statebankofmysore. co. n) | | | | | | | |Business Operation |Bank – Public | |Background |State Bank of Mysore was established in 1913 as Bank of Mysore under the | | |patronage of the erstwhile  government of Mysore, at the instance of the banking| | |committee headed by the great Engineer-Statesman, Late Dr Sir M Visvesvaraya. | | |Subsequently, in March 1960, the bank became an As sociate of State Bank of | | |India. State Bank of India holds 92. 33% of shares. The bank’s shares are listed| | |in Bangalore, Chen | |Financials |Total Income – Rs. 55948. 247 Million ( year ending Mar  2012) | | |Net Profit – Rs. Million ( year ending Mar  2012) | | | | |Company Secretary |G Soundarajan | | | | |Bankers Auditors |HS Ahuja Co, Dhawan Co, LK Kejrswal Co, SK Basu Co, PKKG | | |Balasubramaniam Associates, Bhasin Raghavan Co, BL Ajmera Co, MKPS | | |Associates, SK Basu Co, Maharaj N R Suresh Co | Management Committee of the Bank |Managing Director | |+91 80 22251855 | | |Mr. Sharad Sharma |+91 80 22353480 Fax 080 | | | |22254753 | | Chief General Manager | |+91 80 22251570 | | |Ms. Hamsini Menon |Fax 080 22350563 | | |   | | |Chief General Manager |Mr. KalyanMukherjee | | |General Manager  (Operations) Corporate Development Officer |Mr  Bibhupada Nanda |+91 80 22353487 | | | |Fax 080 22353478 | |General Manager Executive  (Agriculture MSME) |Mr K Lakshmisha |+91 80 22257149 | | | | | | | |Fax 080 22353494 | |General Manager Group Executive(Corporate Banking) |Mr. SaswataChaudhuri |+91 80 22353471 | | | |Fax 080 22355978 | |General Manager (Treasury and Finance Accounts) Group |Sri Viswanathan V |+91 80 22257149 | |Executive(Government Business) | |Fax 080 22353494 | |General Manager (Technology Management) Group Executive |MrV Pattabhiraman |+91 80 22352591 | |(Personal Banking) | |Fax 080 22356472 | |General Manager – Risk Management and Credit Policy and Procedures |Mr  ParthasarathyN | | |General Manager Chief Vigilance Officer |Mr Vijay Dube |+91 80 22255617 | | |   |Fax 080 22350562 | State Bank of Mysore Organizational Structure Figure 3:1 Sbm Organization Structure VISION: â€Å"Working for better tomorrow† MISSION A premier commercial Bank in Karnataka, with all India presence, committed to provide consistently superior and personalised customer service backed by employee pride and will to excel, earn progressively high returns for its shareholders and be a responsible corporate citizen contributing to the well being of the society. POLICIES PROCEDURES State Bank of Mysore: – FUNCTIONS AND DUTIES Power and duties of its officers and employees- All the officers have certain financial powers and administrative powers depending upon their positions. The delegation of financial powers of various grades of officials is decided by the Central Board which is revised from time to time, depending upon the organization’s requirement and also Government / RBI guidelines. The concerned sanctioning authority takes a decision to sanction a loan or otherwise on merits of each proposal. The procedure followed in the decision making process, including channels of supervision and accountability-There is a well defined system in the Bank regarding the decision making process. Financial decisions are taken at various levels by different officials depending upon their positions and also through committee approach. Centralized credit processing cells are being formed at certain centres for sanction of personal segment loans and other loans. Branches will source the applications and forward them to the respective credit processing cells, for their consideration. Further, there is a well defined organisational structure and a clear system of accountability and control system, which also take into account the RBI / CVC guidelines. The norms set for discharge of its function The Bank functions with the following core values / norms ? Excellence in customer service ? Profit orientation ? Fairness in all dealing and relations ? Risk taking and innovation ? Integrity ? Transparency and discipline in policies and systems Regarding the core functions of the Bank i. e. accepting deposits and sanction of loans, the interest rates for deposits / advances and different deposit as well as loan products, are displayed in the Bank’s website and also made available at all the Branches. Regarding sanction of loans, each officer of the Bank will consider loan proposals and take a decision in terms of the scheme of delegation of powers, on the merits of the proposals. All the officers of the Bank are expected to discharge their duties and responsibilities with integrity and due diligence. Public can also refer to the captions †Interest rates’, ‘code of ethics’ ‘citizens charter’ of the Bank’s website for any further information. The rules and regulations, instructions, manuals and records held by the Bank/ used by its employees for discharging its functions. There are quite a number of documents like manuals, book of instructions, codified circulars, scheme of delegation of powers, proceedings of the board etc and also the periodical circulars used by the employees for discharging various functions. A statement of the categories of documents that are held by the Bank or under its control. These are mainly register of Shareholders/Record of the proceedings of the AGMs, Board Meetings and various Committee meetings, documents executed by customers/borrowers/guarantors, contracts with third parties etc. The particulars of any arrangement that exists for consultation with, or representation by, the members of the public in relation to the formulation of its policy or implementation thereof in SBM. As per the present arrangement, the Shareholders can raise issues concerning policies and in the Annual General Meetings which can relate to the policy of the Bank. Further, the Banks quarterly results and annual results / reports are published in the Bank’s website periodically for information of public as well as shareholders which would give an idea about the policies of the Bank and implementation thereof. Further, the Central Board the apex management body of the Bank is constituted with members who are leaders from different interest groups and professions such as Industrialists, Bankers from Apex Institutions, Chartered Accountants, Economists and Workmen representatives. Public can also refer to the captions financial results / consolidated financial statement / annual report / shareholders information of the Bank’s website, for further information. Bank has appointed various committees for different purposes. Following are some of the important Committees managing the key affairs of the Bank a)Risk Management Committee b)Credit Risk Management committee c)Asset Liability Management committee d)Operational Risk Management committee e)Audit Committee f)Central Management Committee g) Central as well as Local Boards Public are not entitled to participate on the above committee meetings and minutes are not accessible to public. Public can also refer to the caption Annual report for various committees more particularly the â€Å"corporate governance† link under the Annual report for more information about the committees. Achievements 1913 – The Bank was established as ‘Bank of Mysore Ltd. ‘, on the 19th May, commenced its business on the 2nd October 1913, under the patronage of His Highness the Maharaja of Mysore, with an authorised capital of Rs. 20. 00 Lakhs. 1953 – During the year, the Bank was appointed as an Agent of Reserve Bank of India to conduct Government business treasury operations. 959 – With effect from the 10th September, the Bank was constituted as State Bank of Mysore as a Subsidiary of State Bank of India, under State Bank of India [Subsidiary Banks] Act, 1959 enacted through an Act of Parliament, [Act No. 38 of 1959s]. – The Bank has formulated schemes for [1] financing coffee planters/coffee traders against coffee curer’s certificate, [2] financing coffee traders, [3] coffee exporters [4] coffee curers who also engage in trading. – State Bank of Mysore has various deposit schemes to cater to the requirements of its customers. – The Bank has also actively participated in all Government sponsored schemes and contributed its share of financial assistance or the economically weaker sections through DIR, IRDP, Prime Minister Rojgar Yojna SUME schemes. The Bank has sponsored two Regional Rural Banks, Cauvery Grameena Bank Kalpatharu Grameena Bank which have between them 202 branches for growth of agriculture rural industries. – The Bank, as part of State Bank Group has been engaged in financing 551 since 1960 introduced the concept of need based rather than security oriented finance the Entrepreneur scheme under which technically qualified persons were financed the entire require ment up to Rs. 2 Lakhs. – The Bank has 3 specialised SSI branches to assist the SSI units proposes to establish 3 more such 551 branches shortly. – The Bank has correspondent agency arrangements all over the world offers spot services in 18 major approved currencies. The Bank computerised dealing room is equipped with state-of-the-art information net-work for excellent services to the Bank customers. – The Bank also proposed to open 21 NRI service centres to specially cater to the requirements of NRI customers. – State Bank of Mysore handles a significant part of day-to-day Banking business of both the Central State Governments in the State of Karnataka is a Banker to various Public Sector Undertakings in various sectors of Economy. – The Bank has been actively participating in welfare Banking needs of public through its community services. – The Bank has set up social circles, a voluntary group of employees to conduct the community ser vice activities, at various centres. The Bank is the proud recipient of Rolling Trophy from the Red Cross Society of Karnataka for 17 years in succession, till date, for having mobilised the maximum number of blood donors each year, among Banking Institutions. – The Bank has installed a Main Frame Computer in its Head Office which provides a useful information system to the Management mini computers at the Zonal Offices. – The Bank is a member of society for worldwide Inter Bank Financial Telecommunication [SWIFTs] which was established to offer cost effective fast transmission of financial messages globally, 2 branches of Bank are presently covered under the scheme and an additional 15 branches are proposed to be covered under SWIFT shortly. 992 – The State Government has also taken up vigorously ‘ASHRAYA’, a new housing scheme for weaker sections ‘VISHWA’, a new rural cottage industry scheme. A new programme called ‘AKSHAYAà ¢â‚¬â„¢ has also been launched to help the children in primary education. The Konkan Railway Project the New Mangalore Port Project are also progressing satisfactorily. – The Bank has also been assisting Small Scale industries by offering technology financial consultancy services to the units in its books, so as to enable them to overcome the problems of technological obsolescence, marketing, management etc. – The Bank has been given a special annual award by Karnataka Unit of Indian Red Cross Society for fourteenth time for having held the most number of voluntary blood donation camps. 994 – Several important measures have been introduced in the busy season credit policy of November 1993 slack season credit policy of May 1994, announced by Reserve Bank of India. – The Bank extended rehabilitation finance to 54 such units during the year under review. – The Bank STREE SAKTHI PACKAGE designed exclusively for women continued to be implemented with full vigour. – The Bank also proposes to introduce Automated Teller Machines [ATMs] and Electronic Funds Transfer facility during the next year as a measure of offering state of art Banking services to its customers. 2000 – Mr. M. Sitarama Murty has been appoi nted as Managing Director, of Bank. – Crisil has reaffirmed the A+ P1+ ratings assigned to the bond issue the CD programme of Bank. 001 – State Bank of Mysore has opened a foreign exchange cell at its hierarchically Industrial estate branch in Tumkur district to enable small-scale industrialists to manage their foreign exchange transactions. – The Bank has closed its issue of unsecured non-convertible debentures after raising the target of Rs 60 crore. 2002 – Enters the market with a coupon of 6. 4% per annum for its Tier-II capital bonds issue of Rs. 60cr on a private placement basis. – Slashes interest rate on domestic term deposits on NRE deposits by 25-50 basis points. 2 003 – Considers new method of appraisal for lending to the agricultural sector more on the lines of industrial credit given to trade commerce. Declared a dividend of 40% on equity capital for year ended. – Ties up with HMT Ltd launches SBM-HMT Agri Farm Scheme, to promote agricultural mechanisation in south India. – Maruti Udyog forges alliances with SBM to offer car finance. – Slashes floating home loan rates the new loan is as follows: maturities up to 5 five years, the rates would be 8 per cent, for maturities up to 10 years, the rates would be 8. 75 per cent on a floating rate basis for above 10 years, 9. 25 per cent. The fixed rate housing loans remained unchanged. Farm lending rate up to Rs 50,000 was lowered to 9 per cent – Inaugurated two branches in Hyderabad. 004 – SBM joins hands with LTJD for tractor financing – State Bank of Mysore has informed that Shri M. Sitarama Murty, Managing Director of Bank retired from the se rvices on December 31, 2003 on attaining super-annuation – Mr. Vijayanand assumes charges as Managing Director of Bank from 01/03/2004 -State Bank of Mysore has joined the Real Time Gross Settlement Systems [RTGSs] network that facilitates inter-Bank funds settlement on 22 July 2005 – SBM unveils new single window system 2006 – Mr P. P. Pattanayak has assumed charge as Managing Director of State Bank of Mysore. Mr Pattanayak was earlier Deputy Managing Director [DMDs] Chief Credit Officer of State Bank of India, Mumbai. 2009 – The Comp. as splits its face value from Rs100/- to Rs10/-. The State Bank of Mysore has a dedicated workforce of 9926 employees consisting of 3179 supervisory staff, 6747 non-supervisory staff (as on 31 March 2011). The skill and competence of the employees have been kept updated to meet the requirements of customers keeping in view the changes in the Banking environment. State Bank of India is the nation’s largest and oldes t Bank. Tracing its roots back some 200 years to the British East India Company (and initially established as the Bank of Calcutta in 1806), the Bank operates more than 15,000 branches within India, where it also owns majority stakes in six associate Banks. State Bank of India (SBI) has more than 80 offices in nearly 35 other countries, including multiple locations in the US, Canada, and Nigeria. The Bank has other units devoted to capital markets, fund management, factoring and commercial services, credit cards, and brokerage services. The Reserve Bank of India owns about 60% of State Bank of India. The roots of the State Bank of India rest in the first decade of 19th century, when the Bank of Calcutta, later renamed the Bank of Bengal, was established on 2 June 1806. The Bank of Bengal and two other Presidency Banks, namely, the Bank of Bombay (incorporated on 15 April 1840) and the Bank of Madras (incorporated on 1 July 1843). All three Presidency Banks were incorporated as joint stock companies, and were the result of the royal charters. These three Banks received the exclusive right to issue paper currency in 1861 with the Paper Currency Act, a right they retained until the formation of the reserve Bank of India. The Presidency Banks amalgamated on 27 January 1921, and the reorganized Banking entity took as its name Imperial Bank of India. The Imperial Bank of India continued to remain a joint stock company. Pursuant to the provisions of the State Bank of India Act (1955), the Reserve Bank of India, which is India’s central Bank, acquired a controlling interest in the Imperial Bank of India. On 30 April 1955 the Imperial Bank of India became the State Bank of India. The Govt. of India recently acquired the Reserve Bank of India’s stake in SBI so as to remove any conflict of interest because the RBI is the country’s Banking regulatory authority. In 1959 the Government passed the State Bank of India (Subsidiary Banks) Act, enabling the State Bank of India to take over eight former State-associated Banks as its subsidiaries. On Sept 13, 2008, State Bank of Saurashtra, one of its Associate Banks, merged with State Bank of India. SBI has acquired local Banks in rescues. For instance, in 1985, it acquired Bank of Cochin in Kerala, which had 120 branches. SBI was the acquirer as its affiliate, State Bank of Travancore, already had an extensive network in Kerala. SBI provides a range of Banking products through its vast network in India and overseas, including products aimed at NRIs. The State Bank Group, with over 16000 branches, has the largest branch network in India. With an asset base of $250 billion and $195 billion in deposits, it is a regional Banking behemoth. It has a market share among Indian commercial Banks of about 20% in deposits and advances, and SBI accounts for almost one-fifth of the nation’s loans. SBI has tried to reduce its over-staffing through computerizing operations and Golden handshake schemes that led to a flight of its best and brightest managers. These managers took the retirement allowances and then went on the becoming senior managers at new private sector Banks. The State Bank of India is 29th most reputable company in the world according to Forbes. Associate Banks:-The Subsidiaries of SBI till date *State Bank of Indore *State Bank of Bikaner Jaipur *State Bank of Mysore *State Bank of Hyderabad *State Bank of Patiala * State Bank of Travancore Company pictures [pic] State Bank of Mysore [pic] [pic] [pic] [pic] PRODUCTS/SERVICES OFFERED State Bank of Mysore offers its products and services in domains like †¢ Personal Banking. †¢ NRI Services. †¢ Agriculture. †¢ International. †¢ Corporate. †¢ SME. †¢ Domestic Treasury. (i) Personal Banking | |Current Accounts | |Savings Bank | |Savings Plus | |Term Deposits | |Reinvestment Plan | |Multi Option Deposits | |Recurring Deposits | |Public Provident Fund Scheme |Housing Loans | |Car Loans | |Education Loans | |Consumer Durables Loans | |Personal Loans | |Loans to Pensioners | |Gold Loans | |Demand Loans on Term Deposits | |Demand Loans against Govt. Securities | |(ii) NRI Banking | |Foreign Currency Non Resident (Bank Scheme) Deposit | |Non Repatriable Rupee Deposits (NRNR) | |Non Resident (External) Rupee Deposit Accounts (NRE) | |Resident Foreign Currency Deposit Accounts (RFC) | |Ordinary Non Resident Rupee Accounts (NRO) | |Non Resident Special Rupee Accounts | |Housing Finance for NRIs | |(iii) Small Business Finance | |Retail Trade | |Professionals and Self Employed | |Business Enterprises | |Transport Operators | |(iv) Agriculture Finance | |Agricultural Crop Loans | |Agricultural Gold Loans |Produce Marketing Schemes | |Agricultural Term Loans | |Land Development Schemes | |Minor Irrigation Schemes | |Farm Mechanizations Schemes | |Kisan Credit Cards | |(v) Government Business | |State Govt. | |Central Govt. |CBEC | |CBDT | |Defence | |Posts | |Telecom | |Central Civil Pensions | |Defence Pensions | |Telecom Pensions | |State Govt. Pensions | |PSU Retiring Employees Scheme | |(vi)Other Services | |Safe Deposit Lockers | |Safe Custody | |(vii) Miscellaneous Business | |Demand Drafts | |Remittance Facilities (with Associate Banks) | |Remittance Facilities (with RBI Govt. ) | |Collections (Cheques) |RTGS/NEFT | |Collections (Bills) | |Demand Draft Purchases (Cheques) | |Demand Draft Purchases (Bills) | RATES OF INTEREST WITH EFFECT FROM 4th May   2012. |PERIOD |RATE OF INTEREST (%) | | |Up to  Rs. 15 lacs |Above Rs. 15. acs | |7 Days to 14 days |—— |8. 50 | |15 days to 45 days |6. 25 |8. 50 | |46 days to 90   days |6. 50 |8. 50 | |91 days to 179 days |8. 00 |8. 50 | |180 days to 299 days |8. 50 |8. 0 | |300 days |8. 50 |8. 50 | |301 days to less than 1 year |8. 50 |8. 50 | |1 year to less than 500 days |9. 25 |9. 25 | |500 days |9. 25 |9. 25 | |501 days to less than 2 years |9. 25 |9. 5 | |2 years to less than 909 days |9. 25 |9. 25 | |909 days |9. 25 |9. 25 | |910 days to less t han 3 years |9. 25 |9. 25 | |3 years to less than 5 years |9. 25 |9. 25 | |5 years and above |9. 25 |9. 25 | Table 3:1 Interest Rate Interest Rates on Personal Segment Advances   | |Housing Loans (w. e. f. 01. 11. 2011) | |NAME OF THE SCHEME |Rate Of Interest | | |(Base Rate 10. 50%p. a) | |   |11Upto Rs 25 Lacs | |HOUSING LOAN |Upto 20 Years |BR+0. 75 |. 5% | |   |Above 20 to inclusive of 25 |BR+1. 00 |11. 50% | | |years | | | | |Above Rs 25 lacs upto Rs 30 Lacs | | |Upto 20 Years |BR+0. 75 |11. 25% | | |Above 20 to inclusive of 25 |BR+1. 00 |11. 0% | | |years | | | | How to cite State Bank of Mysore Project, Essay examples

Mexican Independence from Spain Essay Example

Mexican Independence from Spain Paper Mexican Independence from Spain In the late 18th century, the Spanish monarchy decided to improve the defenses of its empire because of its many military losses in Europe. Because of this, the Spanish Crown was forced to increase revenues. Between 1765 and 1771, Spain sent Jose de Galvez on an official tour of inspection of New Spain. He restructured the current taxes and their collection methods.. In 1778, Spain, attempting to increase its own revenues, lifted restrictions on colonial trade. This allowed more commerce for the colonists and allowed for more trade between the privileged of New Spain and the other Spanish colonies in America. Since the Spanish monarchy was so determined to improve defenses, it was forced to enlarge the existing colonial militias into armies. The Mexican people were disappointed with the many tax and administrative changes. The Criollos also did not like the fact that they had not been given any of the new administrative positions. Most of the Mexicans felt that they had been prospering under the old system. When the people protested and when riots broke out against the attempts at instituting reforms, they were dissipated through force. This caused Mexicans to become even more upset. They also had a new economic freedom and began to think that they could benefit more if they ran their own economic system apart from Spain. The Spanish Crown also began to limit the powers of the Catholic Church. It was viewed as a political rival because it had begun to amass large amounts of land and wealth in the colony. The Spanish government ignored the fact that the church did not actually have as much money as it seemed to. Much of its â€Å"wealth† was being loaned to colonists. In 1767, the Spanish Crown expelled the Jesuits from both new and old Spain and confiscated the wealth of the religious order. We will write a custom essay sample on Mexican Independence from Spain specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Mexican Independence from Spain specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Mexican Independence from Spain specifically for you FOR ONLY $16.38 $13.9/page Hire Writer Even worse in the eyes of the Mexicans was in 1804 when the Spanish monarchy took land and wealth from the Catholic Church. These actions caused the church to reclaim all loans. This greatly affected the middle class, which was made up mostly by the colonial born whites known as the Criollos, and the mixed blooded Spanish or Indian Mestizos. The priests were also greatly affected by the Consolidation decree causing an upset of both the colonists and the priests, and convincing many to start to support Mexican Independence. The initial causes of the American Revolution were similar in that the colonists felt oppressed by their parent country of England. They felt that the monarchy they once knew as their savior could no longer provide for the best interests of the colonies and that it was taking advantage of them by imposing taxes upon them and using other means to earn revenue they it didn’t rightfully deserve. The Proclamation of 1763 restricted colonists from settling the area east of the Appalachian Mountains. This restriction angered colonists who were looking for land to call their own. This was followed by the Currency Act of 1764, then the Sugar Act of the same year, and finally, the Stamp Act of 1765. All of these acts, and subsequent ones, were used as revenue measures by England to regain the large amounts of wealth lost during the previous war. The colonists were not protesting taxes that were intended primarily to regulate state. They were protesting those designed simply to raise money. Unlike in Mexico’s case, there had been over fifty years of salutary neglect causing the new regulations to seriously alarm and upset the colonists. However, similarly, both the Mexican colonists and the American ones were upset by these unexpected economic costs that largely, and, seemingly, adversely affected them. According to Brune Leone’s The Mexican War of Independence the Criollo resentment in particular had greatly weakened the relations between New Spain and its mother country by the start of the 19th century. Another large factor in spurring the independence movement was the influence of the Enlightenment taking place in Europe. This was a large factor working for American Independence as well. Many Criollos in New Spain began to read the works of the Enlightenment writers and then began to question the benefits and reasons for their colonial relationship with Spain. The Mexican colonists were also affected by the examples of the American Revolution and the French Revolution. All of the aforementioned factors contributed to the independence movement of Mexico. However, the main steps towards independence came because of Napoleon’s invasion of Spain in 1808. The monarchy was greatly weakened when Napoleon gave the crown to his brother causing the people of Madrid to revolt. With Spain’s back turned, the leaders of New Spain began to argue amongst themselves. The viceroy was forced to allow the Criollos to participate in administration. Then, a group of Peninsulares, those who had been placed in many of the administrative positions, did not like that the Criollos were gaining any influence in the government. They staged a coup d’etat and overthrew the viceregal government. Shortly before dawn on September 16, 1810, Miguel Hidalgo y Costilla made a monumentous decision that revolutionized the course of Mexican history. Within hours, Hidalgo, a Catholic priest in the village of Dolores, ordered the arrest of Dolores native Spaniards. Then Hidalgo rang the church bell as he customarily did to call the indians to mass. The message that Hidalgo gave to the indians and mestizos called them to retaliate against the hated Gachupines, or native Spaniards, who had exploited and oppressed Mexicans for ten generations. Although a movement toward Mexican independence had already been in progress since Napoleons conquest of Spain, Hidalgos passionate declaration was a swift, unpremeditated decision on his part. Mexicanos, Viva Mexico! (Mexicans, long live Mexico! ) Hidalgo told the Mexicans who were the members of New Spains lowest caste. He urged the exploited and embittered Mexicans to recover the lands that were stolen from their forefathers. That he was calling these people to revolution was a radical change from the original revolution plot devised by the Criollos, or Mexican-born Spaniards. On September 1 6, 1810, Father Miguel Hidalgo y Costilla, a priest who had become familiar with the ideas of the Enlightenment, began a revolt in hopes of freeing Mexico from the Spanish colonial government and its Peninsulares. Hidalgo wanted an immediate abolition of slavery and the end of taxes on Native Americans. Tens of thousands of Native Americans near Mexico City joined thousands of Mestizos in their uprising because they had been suffering from rising food prices and their constantly declining wages. Gathering adherents like a snowball rolling downhill, this mob-army numbered several hundred when it captured San Miguel (today San Miguel de Allende), 6,000 when it entered Celaya, 20,000 when it rolled into Guanajuato, 50,000 when it overran Valladolid and 82,000 as it engulfed Toluca and menaced Mexico City. Few Criollos joined this rebellion because of the violence and destruction. Many sided with the offering of stability from the Peninsulares instead. Groups of Criollos across Mexico had been plotting to overthrow the authority of Gachupines who, because of their Spanish birth, had legal and social priority over the Mexican born Criollos. When Joseph Bonaparte replaced King Ferdinand as the leader of Spain, the Criollos recognized a prime opportunity for Mexican sovereignity. The nucleus of this movement was a group of intellectuals in Queretaro led by the Corregidor of Queretaro (state official), his wife and a group of army officers distinguished by the adventurous Ignacio Allende. The Criollos plan for revolution did not originally focus on the manpower of the Mexicans. Instead, the Criollos sought to avoid military confrontation by convincing Criollo army officers to sever their allegiance to the Gachupines. By claiming loyalty to the defeated King Ferdinand, the Criollos aimed to establish Mexico as an independent nation within King Ferdinands Spanish empire. The Gachupines who claimed authority under Bonapartes rule would be driven out of Mexico. Hidalgo had close ties with this group. Approaching sixty years of age, Hidalgo was beloved and greatly respected by Mexicans. Once the dean of the College of San Nicolas at Valladolid in Michoacan (now Morelia), Hidalgo was a well-educated, courageous humanitarian. He was sympathetic to the Indians, which was unusual amongst Mexican clergymen. Against Gachupin law, Hidalgo taught Indians to plant olives, mulberries and grapevines and to manufacture pottery and leather. His actions irritated the Spanish viceroy who, as a punitive measure, cut down Hidalgos trees and vines. Rebel forces fought royalist forces near Mexico City. Many inexperienced soldiers deserted the force, however, which had suffered large losses even though the royalists did retreat. By January of 1811, the remainder of Hidalgo’s army was defeated near Guadalajara. Hidalgo himself was caught when he fled to the north in March of that year. He was executed on July 30, 1811. Jose Maria Morelos y Pavon was the next priest to lead in the way of independence. He also called for racial and social equality. He was a better military commander than Hidalgo and under him large amounts of territory was captured. He declared Mexican an independent nation in 1813. However, royalist forces still controlled Mexico city. Morelo’s continued to fight until 1815 when Morelos was captured and executed. The Spanish revolution of 1820 changed the rebellion in Mexico. It restored the more liberal constitution of 1812 and emphasized representative government and individual liberty. The Mexican leaders were dismayed by these liberal political tendencies in Spain, but their biggest concern was the instability of Spain. Iturbide met Guerrero in 1821 and they signed an agreement to combine their forces to bring about Mexico’s independence. Their plan was called the Plan of Iguala. It guaranteed that Mexico would become an independent country and be ruled as a limited monarchy, that the Roman Catholic Church would be the state church, and that the Criollos would have the same rights as the Peninsulares. The viceroy did not oppose Iturbide and was thus forced to resign. The last viceroy of New Spain arrived in Mexico in July of 1821 and was made to accept the Treaty of Cordoba. This marked the formal beginning of Mexican independence. Iturbide became emperor of Mexico. He held that position until 1823 when he was overthrown by military revolt. A republic was then proclaimed and Guadalupe Victoria became the first president. Mexico was not prepared for creating a new republic. Social stability and the economy had been destroyed because of civil war. There was no one who had the political experience to unite the nation together. Deciding the actual role of the federal government needed time and debate. In 1824, the first constitution was ratified. It allowed state legislators the power to elect both the president and the vice president. This resulted in a series of weak presidents that were forced to attempt to create as effective government as possible. The American and Mexican revolutions were very similar in their initial reasons for beginning their struggle for independence. The actual revolutions were also less than fifty years apart. Both the American and Mexican revolutionaries lacked the great deal of military force that their mother countries had. Their combatants were supposedly far superior military wise, but they were defeated in both conquests for independence. When Mexico first gained its independence, however, it began as a monarchy. America had more of sound beginning on paper, but also had many problems in establishing a government best suited for the people, that would be accepted by them. Both America and Mexico suffered economically right after their true declarations of independence. Besides the military aspects, the American and Mexican independence were incredibly similar in the reasons for seeking independence and the first outcomes after independence. Bibliography: Galicia, Angie. â€Å"Don Miguel Hidalgo, Father of Mexico’s Independence† http://www. inside-mexico. com/laentrevista2. htm Paz, Octavio, â€Å"Exit from the Labyrinth, The Hidalgo Revolt† Sisk, Cynthia. â€Å"Hidalgo y Castilla, Miguel. Historic Text Archive† http://historicaltextarchive. com/sections. php? op=viewarticleartid=551 Stein, Conrad R. â€Å"The Mexican War of Independence (The Story of Mexico). † Oct 31, 2007 Wilmington, DE: SR â€Å"The Wars of Independence in Spanish America. † Books, 2000. Works cited: Galicia, Angie. â€Å"Don Miguel Hidalgo, Father of Mexico’s Independence† http://www. inside-mexico. com/laentrevista2. htm Stein, Conrad R. â€Å"The Mexican War of Independence (The Story of Mexico). † Oct 31, 2007 Wilmington, DE: SR â€Å"The Wars of Independence in Spanish America. † Books, 2000.

Complete Guide Tourism Research Paper Writing with Ease

Complete Guide Tourism Research Paper Writing with Ease A research paper is a type of academic writing that is usually grounded on unique research done by a student as a young researcher. Need to do research on tourism? You can conduct research on a particular tourism topic and present it along with the precise analysis and personal interpretation of the obtained material and findings. A tourism research paper may be completed as an ordinary term paper or become a sufficient ground for well-developed master’s thesis or even a doctoral dissertation. In fact, it is essential for any researcher to perceive the intended meaning of how to write a research paper properly. That’s exactly this tourism research paper writing guide pursues to give some useful tourism research paper writing tips while dealing with research paper writing. What Is Required of You to Write a Tourism Research Paper A tourism research paper is a literary work that requires you to perform an in-depth analysis from a particular perspective. Based on this definition, you are supposed to create a strong base for arguing on the tourism topic. The field of tourism usually offers a significant number of topics to be examined. That is why you should apply the critical and analytical skills while writing tourism research papers. Besides, you should know how to collect all the relevant information on tourism, develop the topic, and transmit the main idea about the findings to the audience as required. For that reason, take into account different considerations on the tourism topic and conduct extensive research based only on reliable sources of information. Now you should determine if it will be an investigation of a defined tourism area, examination of social, environmental and infrastructure effects of different tourist attractions, or designing, conducting, and evaluating visitor surveys. Choosing a Topic on Tourism Isn’t a Fight Anymore: 5 Useful Tips from Our Writers The first and the most important element of writing a tourism research paper is choosing a relevant topic. It can be interesting and challenging to provide the audience with newly discovered information. Besides, it can present a different point of view on a well-known issue in the tourism sector. This element of a research paper is considered to be decisive as it usually determines the number of your personal efforts and the enthusiasm for discovering a particular topic. Concentrate on some underexplored aspects of tourism to develop them into narrow and well-constructed research papers. Among a great variety of topics on tourism, it is necessary to choose the topic you can manage to write on without any additional difficulties such as â€Å"There is no information on this issue†, â€Å"There is too much information to include in 5-page research paper† and so on. You can take several captivating topics not to face such problems mentioned earlier: Competitiveness in the Tourism Sector in the United States of America; The Functional Performance of International Tour Operators on Recommendations for Travel Destinations; An Impact of Social Media on Destination Preferences of American Residents; Local Authorities and Their Influence on the Tourism Business in the Less Attractive Tourist Places; Overseas Promotional Activities of the National Tourism; International Tourist Arrivals: Is the Growth Expected? Top Components of the Hospitality Industry in Europe and the USA. You should find the topic you want to explore most. While choosing a topic, it is crucial to avoid topics that are too technical, large and sophisticated or studied by other researchers many times. This way, you can be incapable of dealing with a great amount of information at the original approach to the issue. As a result, you risk losing all the enthusiasm to discover the topic from the very beginning. Follow 5 tourism research paper writing prompts that are helpful while choosing the topic for your tourism research paper: Brainstorm the ideas by asking only one but efficient and thought-provoking question: â€Å"What is interesting for me, and what do I want to know?† It is a great approach that helps to define the topic that is most appropriate for you. Take a review of the course notes and readings. It happens that looking through these materials, it is possible for you to think of some interesting idea. Create a list of keywords. This tip allows finding broad and narrow related terms and key concepts that are usually decisive and help to choose a topic in a short time. Define a topic of the research as a focused question of the research. For example, if the research question is â€Å"How does the local government attract new tourists?,† the focused research question will be â€Å"What are the main approaches the local government implements to attract new tourists?† Develop a topic from the thesis statement formulated in advance. In fact, it can contain the answer to the developed research question. For example, you know how to deal with social media to develop the tourism business in your city. Develop this research question in your paper on tourism. 3 Pre-Writing Tips That Help Write a Research Paper 1. How to Search for Relevant Information To collect the necessary amount of information, you need to check out related databases, read some general information about the chosen country, which includes its population, GDP, the most interesting places to visit, and the number of visitors per year. It is also essential to surf the net searching for peer-reviewed articles. In addition, it is essential to go to the library and find several books that contain detailed information about the tourism in a particular country, describe economic advantages from tourism, and examine its influence on the social, political, and economic development of the chosen territory. It will be better if these books are published recently and operate up-to-date information. While searching for the information in the global network, it is crucial for you to pay attention to the extensions of the domain names. It is advisable to use only those, which are .edu that means an educational institution, .gov (the information is provided by the government), and .org (the data is provided by a non-profit organization). Because these sites tend to publish only reliable information, you should be careful and not use politically biased data. In this way, the most useful resources are Google Scholar, International Public Library, and the Wall Street Executive Library. While visiting the library, you should pay attention to catalogs related to tourism and modern dictionaries that help to find out some definitions. It is also helpful to look through recently published magazines and newspapers that usually contain well-developed topics about different tourist attractions from all around the globe. In addition, it is possible to search for information about the main components of the tourism industry like various travel agents, tour operators, lodging and catering, transport, and guiding. While looking through all the information, you should bookmark the most interesting sites and take notes about the authors of the articles and books, their titles, and dates of publication for creating a reference list. 2. How to Create a Thesis Statement A thesis statement is the primary idea of the paper that allows the reader to understand its key point. For that reason, the arguments you provide in the tourism research paper should be grounded on this main idea and well-developed. Besides, the thesis statement should be one well-constructed sentence that will set a tone for the whole paper. For example: â€Å"At least 30% of the local budget of Manila should be spent on reconstruction of numerous historical buildings, monuments, and parks that are situated on the territory of this large city as they attract millions of tourists every year.† Thus, the thesis statement is a presentation of your ideas and explain them to the readers, answering the major questions of the literary work. 3. How to Make an Outline The tourism research paper usually includes: A title page; An abstract (if necessary); Introduction; Three or more body paragraphs; Used materials; Implemented methods of the research; Obtained results; Conclusion; Reference page. Besides, it may contain different appendices, tables, and pictures. It is logical to develop the same outline but it may be not so detailed. It helps you organize all the research ideas and subdivide them into the suitable subpoints. In this way, all the information appears to be strictly organized and grouped in a clear and logical way: The introduction contains a thesis statement and purpose of research paper writing; The main parts discuss the arguments of the author that support the thesis statement; The conclusion restates the thesis statement and summarises all the discussed arguments. Let’s focus on each part in detail. What comes first when your research paper is taken to read? Right, its title that should say a lot about your research paper. The title of your tourism research paper should be short and clear, introducing the main subject of the author to the audience. For example â€Å"The Influence of Tourism on the Welfare of the Indonesians.† Usually, it is indicated on at the title page along with the group number, name of the student, and a date of submission. The introduction is the start of paper writing, which should contain a thesis statement. In this part, you should provide all the necessary information for the readers to understand the main purpose of the paper as well as your arguments. It is important for you to grasp the attention of the audience from the very first lines and get the readers involved in the reading and thinking process. Besides, it is necessary to convince the readers that the research question is important and worth their attention. Besides, it is essential for you to provide a short summary of the paper and prepare the audience for the body paragraphs. The body paragraphs present another crucial part of the paper. There should be three or more large and well-developed paragraphs that include supporting information for the thesis statement. Thus, each supporting claim should be presented in a separate paragraph. The body paragraphs should contain transition words in order to connect the provided information and support each other stylistically. What is more, it is advisable for you to use citations with facts and figures to convince the readers that your claim is valuable. Finally, you have to present a personal evaluation of every supporting claim, making a strong emphasis on the importance of your independent conclusions. The conclusion is the final part of a research paper. It is the part that mentions all the important claims discussed in the body paragraphs and contains the restatement of the thesis statement from the introduction part. This section should be comparatively short, leading the readers to make a logical conclusion about the information discussed in the research paper, evaluate your findings, and agree or disagree with your main claim. 3 Post-Writing Tips Improve Your Research Paper on Tourism Take a sigh of relief because you are in the finishing straight. Several revising steps are left to improve the quality of the research paper. Almost no experienced writer can write a brilliant paper at first attempt. Usually, several drafts are used to reach the final results in research paper writing. The first and most important proofreading tip is to read the paper and check the overall content. Thus, each body paragraph should start with a topic sentence, all the arguments should be supported with reliable information, and all the sentences should be logically finished. What is more, the paper should not contain irrelevant, repetitious phrases or some unnecessary words and word combinations, and the sentences should not be too long or too short. Reading the paper for the second time is a great way to check for possible content errors, quotations, and misspellings. Besides, it is necessary to double check all the mentioned facts and presented figures as only one mistake in statistics or coordinates may lead to wrong results, and devalue all your research efforts. In addition, you should avoid contractions. It is also crucial for the academic writing to omit using the third person and avoid such phrases as â€Å"I want,† â€Å"I think,† â€Å"I presume,† and so on. The second tip is related to following the structure of the paper. Thus, it is important for you to arrange the paper in a particular format, would it be APA, MLA, Chicago, Harvard, or any other style. The margins should be appropriate, and the reference list should be arranged according to the standard norms. In all the formats, there is a need to mention the name of the author, year of publishing, the title of the article, and the number of used pages. If it is a digital source, it should include a link to the used material and the date of the access. The final tip is to check the paper for plagiarism by using a number of popular resources that can be easily found on the internet. If the paper contains citations of some other literary works, ideas, or claims of other authors, it should also contain in-text citations. Every in-text citation should be arranged according to the chosen paper format and contain the name of the author and the year of publishing. Therefore, if all the mentioned material is properly cited, there is no chance for your tourism research paper to be defined as plagiarism. Following all the provided tips on how to write a tourism research paper will allow you to create an original and well-constructed literary work. In addition, the mentioned tips will prevent you from such unpleasant things as revisions and plagiarism. In this way, the final paper is predicted to be great, and the readers will obtain pleasure from reading it.

Lepenski Vir - Mesolithic Village in the Republic of Serbia

Lepenski Vir - Mesolithic Village in the Republic of Serbia Lepenski Vir is a series of Mesolithic villages located on a high sandy terrace of the Danube River, on the Serbian bank of the Iron Gates Gorge  of the Danube river. This site was the location of at least six village occupations, beginning about 6400 BC, and ending about 4900 BC. Three phases are seen at Lepenski Vir; the first two are whats left of a complex foraging society; and Phase III represents a farming community. Life in Lepenski Vir Houses in Lepenski Vir, throughout the 800-year-long Phase I and II occupations, are laid out in a strict parallelepiped plan, and each village, each collection of houses is arranged in a fan shape across the face of the sandy terrace. The wooden houses were floored with sandstone, often covered with a hardened limestone plaster and sometimes burnished with red and white pigments. A hearth, often found with evidence of a fish-roasting spit, was placed centrally within each structure. Several of the houses held altars and sculptures, sculpted out of the sandstone rock. Evidence seems to indicate that the last function of the houses at Lepenski Vir was as a burial site for a single individual. Its clear that the Danube flooded the site regularly, perhaps as much as twice a year, making permanent residence impossible; but that residence resumed after the floods is certain. Many of the stone sculptures are monumental in size; some, found in front of houses at Lepenski Vir, are quite distinctive, combining human and fish characteristics. Other artifacts found in and around the site include a vast array of decorated and undecorated artifacts, such as miniature stone axes and figurines, with lesser amounts of bone and shell. Lepenski Vir and Farming Communities At the same time as foragers and fishers lived at Lepenski Vir, early farming communities sprang up around it, known as the Starcevo-Cris culture, who exchanged pottery and food with the inhabitants of Lepenski Vir. Researchers believe that over time Lepenski Vir evolved from a small foraging settlement to the ritual center for the farming communities in the areainto a place where the past was revered and the old ways followed. The geography of Lepenski Vir may have played an enormous part in the ritual significance of the village. Across the Danube from the site is the trapezoidal mountain Treskavek, whose shape is repeated in the floor plans of the houses; and in the Danube in front of the site is a large whirlpool, the image of which is repeatedly carved into many of the stone sculptures. Like Catal Hoyuk in Turkey, which is dated to roughly the same period, the site of Lepenski Vir provides us with a glimpse into Mesolithic culture and society, into ritual patterns and gender relationships, into the transformation of foraging societies into agricultural societies, and into resistance to that change. Sources This glossary entry is a part of the About.com Guide to the European Mesolithic, and part of the Dictionary of Archaeology. Bonsall C, Cook GT, Hedges REM, Higham TFG, Pickard C, and Radovanovic I. 2004. Radiocarbon and stable isotope evidence of dietary change from the Mesolithic to the Middle Ages in the Iron Gates: New results from Lepenski Vir. Radiocarbon 46(1):293-300. Boric D. 2005. Body Metamorphosis and Animality: Volatile Bodies and Boulder Artworks from Lepenski Vir. Cambridge Archaeological Journal 15(1):35-69. Boric D, and Miracle P. 2005. Mesolithic and Neolithic (dis)continuities in the Danube Gorges: New AMS dates from Padina and Hajducka vodenica (Serbia). Oxford Journal of Archaeology 23(4):341-371. Chapman J. 2000. Lepenski Vir, in Fragmentation in Archaeology, pp. 194-203. Routledge, London. Handsman RG. 1991. Whose art was found at Lepenski Vir? Gender relations and power in archaeology. In: Gero JM, and Conkey MW, editors. Engendering Archaeology: Women and Prehistory. Oxford: Basil Blackwell. p 329-365. Marciniak A. 2008. Europe, Central and Eastern. In: Pearsall DM, editor. Encyclopedia of Archaeology. New York: Academic Press. p 1199-1210.

Communcation ethics and society Assignment Example | Topics and Well Written Essays - 250 words

Communcation ethics and society - Assignment Example Despite being the newspaper’s employee, â€Å"her opinions are her own† (Sullivan, â€Å"About the Public Editor†). If the position serves its true purpose, the results and effects of having a public editor is toward ensuring journalistic credibility and integrity. It also gives the newspaper a more positive reputation in the eyes of the readers. A journalist’s ethics greatly affect the newspaper and its readers because the ethical standards are what guarantee accuracy, fairness, and clarity in journalism. Q1: In the diffusion of innovation theory, can it be assumed that information that the masses receive are already fated from the beginning (Fuchs 13), thus leaving the masses with no choice regarding what is presented to them? Q2: According to the media information utility theory, people in urban locations turn to various forms of media for information (Fuchs 16). With the influx of social networking sites providing vast amounts of information to people (Fuchs 18), how can newspapers guarantee that they are not swayed by the want and need to provide â€Å"breaking news† (that proliferate in such sites) in order to