lord of files :: essays research papers

Freedom Lack of RestrictionsThis is our island. It is a good island until the grownups come to fetch us well have fun (Golding 35). The lack of restrictions on the island in Lord of the Flies affected the way the boys acted on a day-to-day basis. The lack of leadership and the failure to cooperate caused the boys to split, and rebel against each other. Without restrictions, the boys command themselves and answered to no superstar, except those they were loyal to or feared. The boys found out that no one is really in control and they can do what they wish, although they may reflection consequences for it. There is a lack of restrictions on the island and the boys have freedom to do what they want. This is shown by their lack of caring for each other and the tasks that they are assigned. The boys on the island attempt to work together at first, but that failed because of a lack of strong leadership and irresponsibility among the children. You remember the meeting? How everyone was going to work hard until the shelters were absolute? said Ralph, the boy trying to occur order on the island (Golding 50). The above quote demonstrates that the boys do what they please they truly listen to no one and read their own paths. The lack of restrictions causes the boys to slack off, even knowing that there are no immediate repercussions for their actions. No grownups cried one of the boys (Golding 8). This comment shows that the boys are free, and no one is there to tell them what to do. They faced each other on the bright beach, astonished at the rub of feeling. From beyond the platform came the shouting of the hunters in the limpid pool. On the end of theplatform, Piggy was lying flat, looking down into the brilliant water (Golding 54). After the boys realized that they had no one to tell them what to do, they took advantage of the situation. Because of this, the boys action little. The boys failed at their assigned tasks because no one is there to tell them what to do, and they have no restrictions. You didnt ought to have let that fire out. You said youd keep the smoke going said Piggy, after becoming frustrated at the younger boys. The boys on the island had no sense of responsibility.

Sexualy Transmited Diseases: Hemophilia Essay -- Genetic Bleeding Dis

Hemophilia is a genetic bleeding disorder that slows down the change state process of iodins blood. in that respect are two types of the disorder hemophilia A and hemophilia B. Both result in very interchangeable symptoms, however, they are caused by different mutations of genes on the X chromosome. The way in which the disorder is inherited is known as an X-linked recessive pattern. Since males only have one X chromosome, one gene mutation is all that is needed in order to obtain hemophilia. On the other hand, females have two X chromosomes substance that two mutations (on on each X chromosome) are required to inherit hemophilia. For that reason, its far more unlikely for females to have hemophilia than it is for males. Specifically, the genes which cause hemophilia A and hemophilia B are the F8 gene and the F9 gene respectively. Mutations in these genes trigger the production of abnormal versions or reduce the number of coagulation factors eightsome or IX. Subsequently, thes e missing or scarce proteins are not able to aid in the blood clotting process which causes excessive and continuous bleeding. in that location are varying levels of the severity of hemophilia which are all dependent on the extent of mutation of coagulation factors VIII or IX (Hemophilia, n.d.).There is, however, another form of hemophilia that is idealistic. It is known as acquired hemophilia, and it is caused by ones body producing specialized proteins (autoantibodies) that attack coagulation factor VIII. In this rare case, it is not caused by genetic mutation or scarcity. The bodys production of autoantibodies can sometimes be attributed to pregnancy, allergic reactions, cancer, or immune scheme disorders (Hemophilia, n.d.).SymptomsSomeone that is affected by hemophilia would be prone to ... ... 19, 2014, from https//online.epocrates.com/u/2923468/Hemophilia/Basics/EpidemiologyHemophilia. (n.d.). Retrieved March 16, 2014, from http//ghr.nlm.nih.gov/condition/hemophiliaHemophi lia. (n.d.). Retrieved March 16, 2014, from http//www.mayoclinic.org/diseases-conditions/hemophilia/basics/symptoms/con-20029824How Is Hemophilia Treated? (n.d.). Retrieved March 17, 2014, from https//www.nhlbi.nih.gov/health/health-topics/topics/hemophilia/treatment.htmlInheritance Pattern of Hemophilia. (n.d.). In Hemophilia Federation of America. Retrieved March 20, 2014, from http//www.hemophiliafed.org/bleeding-disorders/hemophilia/inheritance/The N-terminal Epidermal emersion Factor-like Domain in Factor IX and Factor X Represents an Important Recognition Motif for Binding to Tissue Factor*. (n.d.). Retrieved March 18, 2014, from http//www.jbc.org/content/277/5/3622

psychology and gender :: essays research papers

In a showdown of the sexes on Friday, Johnstone Professor of psychological science Steven Pinker and Professor of Psychology Elizabeth Spelke debated whether innate differences lead to the underrepresentation of tenured women in math and the sciences. In front of a packed Science Center B crowd, they analyzed the data quarter University President Lawrence H. Summers controversial January comments on women in science.Pinker, whom Summers recruited to Harvard last year, cited evidence arguing that male superiority in skills like mental object rotation and bother solving provides a biological basis for the argument that men atomic number 18 more talented at math and science.Spelke countered, acknowledging the existence of differences amongst men and women, and arguing that the reason women are as scarce as hens teeth in academia is due to discrimination. The debate is non, are there sex differences, its, do they add up to an advantage for one gender over the other, Spelke remind ed the audience.Prefacing his comments by saying that he was a feminist, Pinker stressed the importance of distinguishing between the moral and empirical claims about gender differences.The truth can non be sexist, he said.Though Spelke attacked his yardstick indicatorthe SAT mathematics examinationsPinker maintained that the tests are in truth good. They have an enormous amount of predictive power.Pinker also remark that men and women tend to have different priorities in life men seek precondition and money, while women look more for interpersonal relationships.What this means is that there are slightly more men than women who dont care whether or not they have a life, Pinker said.Spelke did not address the argument about motives directly, saying that she did not think there was evidence available to evaluate the claim that motives are biologically determined.She focused on proving the existence of covert discrimination by looking at how gender stereotypes influence the way men a nd women are perceived.She presented studies in which employers were given identical resumeswith only the candidates gender switchedthat found that men were perceived as being more productive than women.She admitted, however, that were not dealing with overt discrimination, saying that in unambiguous situations, where one candidate is clearly superior to the other, there is no evidence of sex discrimination.Pinker later noted that women are not underrepresented everywhere, but only in the hard sciences. Several audience members said they thought the evening concluded in Spelkes favor.

The Disgusted Teacher :: Teachers Teaching Education Writing Essays

The Disgusted Teacher In her paper, a student must not only support her belief in the death penalty, tho also present counter-arguments to the readings. In response to an essay which claims that the death penalty is used in a racially biased way, the student writes, Mostly blacks argon given the death penalty because blacks are more violent and commit more crimes than other races. A students assignment asks whether or not the U.N. should put a stop to infibulation in the Third World. The assignment is couched in and refers back to readings about multiculturalism and respect for other systems of belief. The student bypasses these questions and, as his main argument, suggests that infibulation should not be halt because women who have had the operation, unlike American women, do not cheat on their husbands. A student comes into the University Writing Center, seeking help with a first yr composition assignment on homosexual marriage. Her ideas are unfocused and she has no support for her view that gays should not be allowed to marry. After a half-hour, the student last reveals that she is having trouble because, like Queen Victoria, she doesnt believe homosexuals actually exist. The frustrated (and gay) tutor bursts out with, Well, youve been talking to one for the last half hour It can demote at any moment, to any instructor, that sudden, unreal feeling when a student voices a view that seems simply wrong. Not unsupported, or badly thought out, exclusively simply, obviously and completely wrong. Women are biologically programmed to be neater than men. Vegetarians are cold all the time and die early because they dont eat enough protein. Children placed in day care grow up to be psychopathic killers. These kinds of views can surface anytime, but they seem to come up more often and to be more of a problem in first-year writing classes. They come up more often, it seems, because first-year writing classes are small, discussion-driven and tend to focus on building arguments by examining such controversial topics as abortion and the death penalty. First-year writing classes also focus on the students ability to present and conserve an opinion, rather than master a set of facts or theories. They are more problematic in these classes than elsewhere because the opinions form the basis of written work.

Bonds Between Mothers and Daughters in Amy Tan’s Joy Luck Club Essay

Bonds Between Mothers and Daughters in Amy Tans Joy Luck ClubA good mother-daughter relationship is beneficial for both the mother and the daughter. This definitely comes into play in Amy Tans novel titled The Joy Luck Club. The story is ab push through four sets of Chinese mothers and daughters, and their initial experience of growing in America. All of the mothers want to raise their children in the traditional Chinese way and still allow them to be all that they kitty be in America. This causes many conflicts between them when the daughters act too American and the mothers act too Chinese. There are also problems when near of the daughters grow and desexualise married to American Men. The mothers influence the daughters with stories of ancestors and eventually the daughters learn that their mothers really do know what they are talking about. Each mother shows their love to their daughter in a different way, and the daughters usually respond to it in a negative manner. There is a lack of communication between the mothers and daughters, which leave a hook of open space for assuming. The daughters seem to inherit a lot of their mothers characteristics as they get older without even meaning to. In some cases they appear to mirror their mothers. It is as if everything that they have fought against for many years has become them. The Joy Luck Club is a club that one of the mothers, Suyuan Woo started to gain ground four Chinese women together to raise their spirits. They would meet each week, rotating each lady as a host, eat and talk about things that were going on in each womans life. They would play mah jong to raise money incase something came up that they needed emergency money for. Suyuan had twin girls when she lived in mainland China but had to l... ...and that the vase was going to break and she knew that the marriage was going to fall apart if she didnt do something. As you can see, each of the mother-daughter couples has a lot in common. They sha re the same feelings, similar experiences, and a lot of the same knowledge. As rights activist James Baldwin once said, Children have never been very good at listening to their elders, but they have never failed to imitate them. Even if some of the daughters fight their mothers to get along together, it ends up it is for the best. Strong mother-daughter bonds are shown through out the novel and many lessons are learned by the daughters. Each daughter makes her mother proud and in the end that is all that is important. The mothers are just apt that they raised their daughters right. WORKS CITED Tan, Amy. The Joy Luck Club. New York Random House, 1989.

Bonds Between Mothers and Daughters in Amy Tan’s Joy Luck Club Essay

Bonds Between Mothers and Daughters in Amy Tans Joy Luck ClubA good mother-daughter affinity is beneficial for both the mother and the daughter. This definitely comes into play in Amy Tans novel titled The Joy Luck Club. The story is somewhat quadruplet sets of Chinese mothers and daughters, and their first experience of growing in America. All of the mothers want to raise their children in the traditional Chinese way and still allow them to be all that they can be in America. This causes many conflicts between them when the daughters act too American and the mothers act too Chinese. There atomic number 18 also problems when roughly of the daughters grow and get married to American Men. The mothers influence the daughters with stories of ancestors and eventually the daughters learn that their mothers really do know what they atomic number 18 talking about. Each mother shows their grapple to their daughter in a different way, and the daughters usually respond to it in a negativ e manner. There is a lack of communication between the mothers and daughters, which entrust a lot of open space for assuming. The daughters seem to inherit a lot of their mothers characteristics as they get older without even nub to. In some cases they appear to mirror their mothers. It is as if e trulything that they have fought against for many years has become them. The Joy Luck Club is a club that superstar of the mothers, Suyuan Woo started to gather four Chinese women together to raise their spirits. They would meet each week, rotating each lady as a host, eat and talk about things that were going on in each womans life. They would play mah jong to raise money incase something came up that they needed emergency money for. Suyuan had play off girls when she lived in China but had to l... ...and that the vase was going to break and she knew that the marriage was going to fall apart if she didnt do something. As you can see, each of the mother-daughter couples has a lot in c ommon. They share the same feelings, similar experiences, and a lot of the same knowledge. As rights activist James Baldwin once said, Children have never been very good at listening to their elders, but they have never failed to imitate them. Even if some of the daughters fight their mothers to get along together, it ends up it is for the best. Strong mother-daughter bonds are shown through out the novel and many lessons are learned by the daughters. Each daughter makes her mother proud and in the end that is all that is important. The mothers are just happy that they raised their daughters right. WORKS CITED Tan, Amy. The Joy Luck Club. New York Random House, 1989.

E-marketplace, E-mall, E-tailing Essay

There are various electronic commerce activities and mechanisms.E- calling Activities and Mechanisms include the following but not limited toE-mart Place It is an on place grocery usually B2B where buyers and sellers exchange goods or services. EC transactions take place in the electronic equivalent of a plaza called the electronic marketplace (e-marketplace). electronic marketplaces utilize several(predicate) tools (electronic shopping cart, e-catalog, fulfillment technologies, and checkout and payment mechanisms) to provide the equivalent brick and mortar shopping tools.Types of Electronic Market Places1. Electronic Storefronts A single companys website where products and services are sold. Example Walmart2. Electronic Malls An Online Shopping Center where many online stores are located.3. Market Place An Online market, usually B2B where buyers and sellers negotiate.Electronic sell is a form of electronic commerce.E-Retailing This type of e-commerce refers to the act of using internet by retailers to perform business activities. It covers retailing using a blanket(a) variety of technologies or media.E-Tailing Selling of retail goods over internet. E-Tailing is short form of E-Retailing. E-tailing prat be used as a synonym with business-to-consumer transaction. To keep it short, Online retailing potbelly be referred to as E-Tailing.E-tailing has resulted in the development of e-tailwaresoftware tools for creating catalogs and managing the business connected with doing e-tailing. A new trend is the price comparison site that can quickly compare prices from a number of different e-tailers and link you to them.Example Bestbuy site provides a customer to select a product upto 3 or more varieties and compare them.Examples of e-tailing are Dell, Walmart, Amazon.ComparisonFollowing are some of the key differences mingled with e-marketplaces, e-malls, e-tailing and physical marketplaces, malls, and retail outlets.1.E-Marketplaces, E-Malls and E-Tailing is al l about the business fetching place in an online manner, nothing is physical. 2.There is a wide variety of selection obtainable online when compared to the physical outlets or malls. More options available online. 3.Certain tools are provided to compare the prices between different products and services which lead to an easier desired selection move. 4.No need to drive to the physical location of the mall for purchases.Tools and Techniques for a happy E-Commerce presenceToolsFew tools for successful e-commerce are listed below but are not limited to1. Analytics Analytics gives the idea of the sales where they are originating from. It is not enough to know that our products and services are getting sold. We need to know how the customers are visiting our site, how the traffic is being redirected to our site and how the marketing efforts are done. Some ecommerce scripts have statistics built in or available through a plugin. Standalone packages such(prenominal) as Google Analytic s also provide you with a way to thoroughly check your stats, and all you dois place a line of code on your site for tracking. Analytics allows you to check all of your data online. You also have access to it whether you have access to your ecommerce servers or not.2. Accounting Software Having the honest accounting software for your ecommerce store is essential to keeping you in the black. This simplifies the book-keeping process and cuts down on the chance of human error causing issues with accurate wampum and loss numbers.3. Cross Selling Cross selling is an easy way of exposing excess products to the customer based on their search. For example, if a customer is visiting a site to buy a phone, the site will automatically recommend the customer to also take a look other available options such as phone accessories, headphones etc.4. Currency Converter Dealing with international shipping is a struggle for many ecommerce site owners. When your product has mass market appeal oversea s, you want to make it simple for international customers to order. A currency converter is particularly useful, whether you have it as part of your script, or as an additional tool. Planet Management, a payment processor who offers international payments, reports that ecommerce stores who use their service to offer multiple currencies increase international sales by up to 25 percent.TechniquesAccording to Miller (2000), Business approaches and broad range of technology tools that are used to support collaborative product definition management (cPDm) initiatives are having a tremendous impact on the ways companies operate. A major change in enterprise computing is underway as companies apply best-practice processes in combining with a wide range of technologies including product data management, collaboration, visualization, collaborative product commerce, enterprise applications integration, component supplier management, and others.The pace of improvements in cPDm-related technolo gies continues toaccelerate, and companies use these tools to implement process change faster than ever. Whereas not long ago, companies were talking about three- and five-year plans for implementing data management systems they now are asking what results to expect in six months or less. This represents a important step forward in industry and a strong emerging movement that is becoming an essential element for companies to successfully grapple in the 21st century (Miller, 2000).According to Shaun Ryan, CEO of site search provider SLI Systems (http//www.sli-systems.com) (NZX SLI), the best retailers use different techniques and features to create an equivalent merchandising see to it that help visitors identify brands, sales or seasonal promotions and to draw more attention to products.Shaun summarizes three primary steps tuning, merchandising banners and reports which can add significant value to your eCommerce efforts.Tuning rules are designed to help promote or demote speci fic products as the merchandiser sees fit. For example tuning rule places original products on the top of the list where as certain products on the bottom of the list or even off the list. This way it helps the merchandiser to prioritize which products should be demon and which should be not.Banners can be shown anywhere on the search or navigation page and can be triggered by a number of different rules. For example the banner could contain logos and other imagery associated with the keyword or facet. If someone searches for a TV or clicks on the TV category you could show a banner that displays a TV selection widget.Reporting allows merchandisers to easily access key data about customers search behavior. The Top Searches report can give useful insights about the most popular keyword searches, showing you the language that your customers use and identifying some possible candidates for fine tuning or adding banners.ReferencesTurban, E., King, D., Lee, J., Liang, T. & Turban, D. ( 2012). Electronic Commerce Managerial and social networks perspectives. Upper Saddle River, NJ Prentice Hall. Miller, E. (2000). Survival Tools for an E-Commerce World. Computer-Aided Engineering, 19(6), 52.PR, N. (2013, December 5). Easy Techniques Fuel E-commerce Merchandising. PR Newswire US. (n.d.). Retrieved from https//blog.compete.com/2013/12/04/best-ecommerce-tools/(n.d.). Retrieved from https//www.yourdesignonline.com/4-tools-building-successful-ecommerce-site/

Khaled Hosseini Essay

The narrative is about amir and Hassan, a Hazara. They sp stamp out their days in a peaceful capital of Afghanistan, kite fighting, roaming the streets and being boys. emeers father loves both the boys, but seems critical of emir for non being manly enough. emeer also fears his father blames him for his mothers death during childbirth. However, he has a kind father figure in the form of Rahim Khan, Babas friend, who understands Amir better, and is supportive of his interest in writing stories. Assef, a mean and violent older boy, blames Amir for socializing with a Hazara. According to Assef, the Hazaras were an inferior race that should only go bad in Hazarajat.He prepares to attack Amir with his steel knuckles, but Hassan bravely stands up to him, and threatens to shoot Assef in the eye with his slingshot. Assef and his friends back off, but Assef says he volition take revenge. Hassan is a successful kite runner for Amir. He knows where the kite will land without even watchin g it. One triumphant day, Amir wins the local anesthetic tournament, and finally Babas praise. Hassan goes to run the last cut, it was a great trophy. Hassan then said For you, a thousand times over. Unfortunately, Hassan runs into Assef and his two henchmen.Hassan refuses to give up Amirs kite, so Assef exacts his revenge, assaulting and raping him. Wondering why Hassan is taking so long, Amir searches for Hassan and hides when he hears Assefs voice. He witnesses the rape but is too scared to twinkling him. Afterwards, for some time Hassan and Amir keep a distance from each other. Amir reacts differently because he feels ashamed, and is frustrated by Hassans saint-like behavior. Already grabby of Babas love for Hassan, Amir worries if Baba knew how bravely Hassan defended Amirs kite, and how cowardly Amir acted, that Babas love for Hassan would grow even more.To force Hassan to leave, Amir frames him as a thief, and Hassan falsely confesses. Baba forgives him, despite the fact that, as he explained earlier, he believes that there is no act more wretched than stealing. Hassan and his father Ali, leave anyway. Hassans departure frees Amir of the daily reminder of his betrayal, but he still lives with his guilt. Five years later, the Russians invade Afghanistan Amir and Baba escape to Peshawar, Pakistan and then to Fremont, California, where Amir and Baba, lenify in an apartment and Baba works at a gas station.Amir final resultually takes classes at a local community college to develop his writing skills. either Sunday, Baba and Amir make extra money selling used goods at a flea market in San Jose. There, Amir meets fellow refugee Soraya and Sorayas father, who was a high-ranked ships officer in Afghanistan. Baba is diagnosed with rear endcer but is still capable of granting Amir one last favor he asks Sorayas fathers permission for Amir to marry her. He agrees and they marry. Shortly there subsequently Baba dies. Amir and Soraya get to know that they cannot eat children.Fifteen years after his wedding, Amir receives a call from Rahim Khan, who is last from an illness. Rahim Khan asks Amir to come to Pakistan. He tells Amir there is a way to be good again. Amir goes. Ali was killed by a land mine. Hassan had a wife and a son, named Sohrab, and had returned to Babas house as a caretaker at Rahim Khans request. One day the Taliban murdered Hassan, along with his wife. Rahim Khan reveals that Ali was not really Hassans father. Hassan was actually the son of Baba, therefore Amirs half-brother.Rahim Khan tells Amir that the true reason he has called Amir to Pakistan is to go to Kabul to rescue Hassans son, Sohrab, from an orphanage. Amir returns to a Taliban-controlled Kabul with a guide, Farid, and searches for Sohrab at the orphanage. He does not find Sohrab where he was supposed to be. The director of the orphanage tells them that a Taliban official comes often, brings cash and usually takes a girl back with him. Once in a while however, he takes a boy, recently Sohrab. The director tells Amir to go to a soccer match and the man who does the speeches is the man who took Sohrab.Farid manages to secure an appointment with the speaker at his home, by saying that he and Amir have personal business with him. At the house, Amir has his meeting with the man in sunglasses. The man is revealed to be his childhood enemy, Assef. Assef is aware of Amirs identity from the rattling beginning, but Amir doesnt realize who hes sitting across until Assef starts asking about Ali, Baba and Hassan. Sohrab is being kept at the home where he is made to dance dressed in womens clothes, and it seems like Assef might have been sexually assaulting him.Assef agrees to release him, but only for a price a fight with Amir. Amir is the protagonist of the story. He lives with his father, while his mother died when he was born. He has trouble getting attention and love from his father. He is best friends with Hassan, and the story follow s him from the time he is a child to adult. He is good at school, but he is a boy who is struggling to get his father to be happy, he feels that he is the disappointment of his father. He purposeizes himself as a coward, with little purpose. He changes his personal beliefs twice throughout the history.First time when Hassan is raped, after the event he is not talking with Hassan because of his guilt and gets Hassan kicked out of the house. The second is when he goes back to Afghanistan to retrieve the son of Hassan. As an adult, he proved what he can do, and is presented as a man with so much courage that no one else ever had. Hassan is the son of Ali, who is the servant of Baba. Hassan is a Hazara and he is often discriminated against and laden by others. Hassan is brave, stanch and always protects Amir. Since Hassan has not gone to school, he learns to read and write from Ali.Hes doing what hes told. He is incredibly loyal to Amir. When Amir accuses him of stealing his watch, h e said to Baba that he was the one who took it, without Amir asking him about it. Hassan is the character that changes at least throughout the history. Assef is the evil character in this book. He hates Hazaras, which is shown clearly in the book. Therefore, he is looking for Amir. He believes that it is his fault that Hassan lives with him. He is the one that causes problems between the childhood friends Amir and Hassan. We have two turning points in this book.The first comes when Hassan is sexually abused by Assef and his gang. It changes the friendship of Amir and Hassan. Amir stops talking with Hassan because he feels ashamed and feels that he has betrayed Hassan. The second turning point comes when Rahim Khan calls Amir. Amir changes and realizes that he can make things better. He decides to find Sohrab and get him to safety. This is the structure of the story. The story starts with a short incoming where the narrator tells us a little about himself and Kabul. Then we get more excitement and we get the climax.The climax is when Hassan got raped by Assef. Anything could happen at that point because Amir was looking at everything that happened. The excitement fell down after that incident because Hassan and Ali left the house, but it became more and more interesting after that because the Russians invaded Afghanistan and Amir had to leave Afghanistan. That was a big change in the story. Once again we got a climax when Amir stood face to face against Assef. He had a chance to take revenge now. This was our presentation of The Kite Runner.We have told you a little about the plot, the characters, the turning-points, climax, the setting, the themes and the message in the book. I will end the presentation by talking about my opinion about the book. I loved this book. It has a good structure, the content is really good and you dont want to stop reading. I dont like to read books, but this book was special. SourcesThe Kite Runnerhttps//thekyterunner. wikispaces. com/Dragel%C3%B8peren http//www. smartguy. no/klaer/t-shirt/t-shirt-logo/marinebla_polo-ralph-lauren-t-shirt_179718_21 http//www. smartguy.no/klaer/t-shirt/poloshirt/hvit_lacoste-poloskjorte_175476_3 http//www. smartguy. no/klaer/t-shirt/poloshirt/mellembla_tommy-hilfiger-poloshirt_187632_74 http//www. smartguy. no/klaer/t-shirt/poloshirt/svart_hugo-boss-orange-poloskjorte_182674_4 http//www. smartguy. no/klaer/jeans-bukser/bukser/sand_vito-chino_192150_27 http//karrierestart. no/jobb? jobtype=2&municipality=89&page=5 http//www. free-tv-video-online. me/internet/the_ellen_degeneres_show/season_10. html http//www. handelsportal. no/butikk/iphone-4-4s/iphone-4-deksel-og-etui http//max100. no/index. php? route= harvest-tide/product&path=20_64_67&product_id=292.

Life of Rabindra Nath Tagore Essay

Tagores international travels also sharpened his opinion that human divisions were shallow. During a May 1932 visit to a Bedouin encampment in the Iraqi desert, the tribal chief told him that Our prophet has said that a true Muslim is he by whose words and deeds not the least of his brother-men may ever come to any harm Tagore noted in his diary I was startled into recognizing in his words the voice of essential humanity. 1 In his oddment decade, Tagore compiled fifteen volumes of writings, including works of prose-poems such as Punashcha (1932), Shes Saptak (1935), and Patraput (1936). He also continued his experimentations by developing prose-songs and dance-dramas, including Chitrangada (1936), Shyama (1939), and Chandalika (1938). He also wrote the novels Dui Bon (1933), Malancha (1934), and Char Adhyay (1934). Tagore also took an interest in science in his last years, writing Visva-Parichay (a collection of essays) in 1937.He wrote on topics ranging from biology to physics, a nd astronomy meanwhile, his verse containing extensive naturalism underscored his respect for scientific laws. He also wove the process of science (including narratives of scientists) into many stories contained in such volumes as Se (1937), prat Sangi (1940), and Galpasalpa (1941). 2 editIllness of 1937-1941 Tagores last four years (19371941) were marked by chronic pain and two long periods of illness.These began when Tagore lost consciousness in late 1937 he remained comatose and near death for an extended period. This was followed three years later in late 1940 by a similar spell, from which he never recovered. The poetry Tagore wrote in these twilight years are distinctive for their preoccupation with death these more profound and mystical experimentations allowed Tagore to be branded a modern poet. 3 afterward extended suffering,4 Tagore died on August 7, 1941 (22 Shravan 1348) in an upstairs room of the Jorasanko mansion in which he was raised. 5 This date is still mourne d in public functions held across the Bangla-speaking world. The last person to see Tagore alive was Amiya Kumar Sen (brother of Sukumar Sen, the first chief election commissioner) Tagore dictated his last poem to Sen, who wrote it down. Sen later donated the resulting draft to a museum in Kolkata.

Analysis of Asian American Essay

The United States has become the most diverse society on the face of the earth. For to a greater extent than a century, most immigrants to the United States were EuropeansGermans, English, Italians, and so forth. However, according to Globalization and Contemporary Immigration to the United States by Min Zhou and J. V. Gatewood, non-European immigration to the United States began in the late 1960s and has accelerated at rapid speeds since the early 1990s after a long hiatus due to restricted immigration. More than atomic number 53 million people a year migrate, mostly from Asia and Latin American- is transforming America into a multicultural society. At the same time, diversity became a distinguishing characteristic of coetaneous Asiatic American. Cultural, social, economic and geopolitical factors have contributed to the diversity and also has brought new challenges for immigrants and their children to adapt themselves to the new environment. (Min Zhou and J. V. Gatewood) There a re four aspects about the phylogenesis of a coherent vision for future Asian American as what Min Zhou and J. V.Gatewood described. Firstly, variously national origins, which make impact on some(prenominal) the immigrant generation and the second and third generation in language and religions. Secondly, socioeconomic diversity brings about different kinds of mobility patterns. Thirdly, diverse settlement modes influence the development of Asian American community. Finally, immigration complicates intergenerational relations and ethnic solidarity. As what Min Zhou and J. V. Gatewood referred, the Philippines, China/Taiwan, Korea, India, and Vietnam have been on the list of top-ten sending countries since 1980.Even though thither were different kinds of laws to restrict immigration from the Asian-Pacific triangle, Asian immigrants found other ways to become eligible citizen. For example, marrying white Americans. With the development of globe economy, the U. S. immigration insuranc e had been changed. On the one hand, the United States sought cheaper labor and resources abroad to develop the globalization of its economy. Since the 1980s, about on e-third of the engineers and medical personnel in the U. S. labor trade have come from abroad-mostly from India, China, Taiwan and the Philippines. (Min Zhou and J.V. Gatewood) Further, more and more Asian study abroad, therefore, many international students, namely, foreign students, had found permanent employment in America so that they could stay here. On the other hand, globalization had played a significant role in immigration. For one thing, developing countries economics and occupational structures were interposed by the U. S. investment. The U. S. imported the abroad material and then processed, finally, exported to those developing countries. For another thing, with the increase number of labor demand, rural-urban migration increased rapidly.

Technology and Healthcare/Services

The world without prison house would not have a proper felon solelyice system. The law and government uses the prisons for punishment when criminal have committed a crime and other look at prison as a rehabilitate center for criminal that eventually would reunit with the society. pack have there own opinion what prison is in that may be the case but people need to no that prison would eer be apart of the criminal justice system.This paper will explain the climate of our agency, focusing on the organizational behavior factors that have the most epoch-making influence, such as Leardership in all levels of management, Culture, Systems, Law, and Influential stakeholders, community groups, employees, and other agencies. Leadership structure for a prison. The warden is first in this case and then you have the guards. The administrators have leadership as well which is pretty much being in charge of the inmates in prison. The administrators controls the inmates movements, take actions when rules be broken, punish, and even get rewarded for behavior. rough of the inmates only follow the rule because the fear of the punishment and other just have respect. The leadership role that the warden and guards have was assigned by the government. The inmates in several(prenominal) sense has leadership as well. The inmates have rings or groups that they put together and have a leader that give them structure. These leaders that create groups/organization and gangs are giving this leadership position because of there ability to lead as a dictate in not a follower.These leaders have the intimacy to design structure for the gang based on loyalty. These leaders made up there own rules and regulations plus a punishment system for the gang members that disobey the rules. But for people to no these are rules inside the jail that prisoner leaders make they still must follow the warden rules. The prison withal deals with different cultures that have leaders with there structure of there system as well. The system is structure just the way gangs are structure just a few of these cultures have less violents.This var. of culture gang respect other gang members and too ensure order for inmates. Culture deals with creating rime of gangs. Everyone is not just a gang banger but as a prisoner being around gangs could force well-nighone to seek for surety through a gang or even just like to assicate with people like them to feel like they be hanker. These kinds of cultures also keeps a low visibleness with not involving themselves with other that are not like them most of these groups filter out to stay positive and productive.You also have perpetuated cultures that have the most up ripe respect for inmates that been there for many years knowing that they have the wisdom to survive in there they get respect. Inmates that have been in a long time get respect because of the time that is being served other inmates look up to them for being able to survive in s uch harsh place. The warden also have other systems that inmates must follower such chores that must be shared with other inmates and labor. Now you have the outside groups that can be a factor with structuring gangs in prison from the outside.Some civic groups or non-government organization can play a major role into structuring the gangs because of there interaction with inmates. These kind of outsider could influence inmates thoughts with negative suggestion while teaching them in them programs. These inmates trust these groups to help them cope with life in prison and out to try to stay positive at all times. The government and politician is the only hope for inmates because thats who provide the prisons with funds to have these kind of programs.With these programs can help some inmates that want the help to cope with the problem and make better decisions in life and make beter priosn systems. The results to these programs would be less crime in jail or prison, less aggressivene ss, more order, and more peace even better condition in the prison and maybe a possiblity of the authority and the inmates to work together in harmony. This discuss give an overview of the prison look at organizational structure.Interactions which is among the warden, guards, inmates, and outsider showing how hard it is in the prison system of structure and hoping its the same everywhere. erst a person looked deep into considering some different things such as groups and stakeholders could help because they have a major role i within the prison system to help make a successful structure in these kinds of situation. The improvement of organization climate is going to come from the warden and the guards ensuring that they understand and feel the natural system that inmates tryed to created.

Non-Verbal Communications to Clinch a Job Interview

Individuals tell not through words alone, but through non-verbal communications, cues and marrows transmitted, usually through body spoken language and seventh cranial nerve expressions. A great deal of meaning is conveyed by non-verbal means of communication, and when integrated with effective verbal language, underside better convey or stress the think message.Non-verbal communications, though, tends to be overlooked by many people, especially during crucial moments, like a business organization interview. It must be remembered that the various types of non-verbal communications have a significant impact on the communication process and play a critical part in successful business communications, as they complement viva voce discourse in todays dynamic workplaces and other milieus.Non-Verbal Communications to Clinch a Job InterviewConveying a positive message with the right non-verbal cues can spell a great difference in jumpstarting a persons career, ensuring a smooth and s uccessful career path, and in effectively dealing with others, in general.Five of the near common ways whereby non-verbal messages can be utilized in favor of a person cosmos interviewed for a supervisory position in a business organization are physical appearance, both of the written message and the individual body language space or territoriality and succession. The physical appearance of written messages, like a job applicants cover letter and resume, must follow the conventional principles of style, correct grammar and spelling, in professional format and clean printout. A persons physical characteristics, likewise, must impart an overall professional look.When applying for a job interview, the person must be punctual and be well-groomed, clean, attractive and well-dressed, but not overdone nor dressed inappropriately. Clothes that fit well, are clean and neatly pressed contribute to a smart aura and show that a person cares enough to look professional on the job. Clothes ca n communicate economic status, current occupation, and values, so care in choosing the right key pieces to wear can elicit favorable feedback from others. Postural non-verbal communication will likewise heighten a good impression, especially during job interviews.A persons body orientation, arm and leg positions, and general sitting posture can send signals of being at ease, confident, or ready for challenges. Job applicants will do well not to fidget and not to avoid eye contact, lest they be seen as nervous or insecure, and to refrain from making defensive postures as crossed arms and legs that may convey a closed attitude. Occasional nodding, memory the head up, and using the hands confidently to stress a point may be fine.Cheerful, not exaggerated facial expressions and gestures, like a self-coloured handshake, plus an overall good attitude, may be used to display sincerity, confidence and respect for a position (Nonverbal Communication, 1998). In terms of communication mess ages through space, individuals must keep a slight distance from job interviewers and later on from higher-ups to signify respect for, rather than an invasion of, their personal space. not standing too close when speaking to superiors also signifies respect for their status in the organization.Last but not the least, a job applicant up for a supervisory position must make optimum use of the time spent with the interviewer, which in some way reflects the applicants time management skill. It may also be regarded as a sign that he may not tend to cram work, nor be too outwear to assume work priorities. After all, only when a person has time for himself and others can he truly be at his best or most productive.ReferenceCollege of DuPage (1998, May 27). Types of Nonverbal Communication. In Communication ( 11). Retrieved March 7, 2008 from http//www.cod.edu/Course/MGT100?mgtcomm.htm

Audre Lorde Hanging Fire: Anxiety of a Teenager Essay

The dominant feeling in the poem Hanging Fire by Audre Lorde is disturbance. This is the poem slightly the uncertainty of a girl in her maturity, who longs for prominent guidance. The author uses several examples of imagery in the poem, but the most notable of them is the repetition anxious repetition. The narrator in the poem is the fourteen-year old girl, who is worried about many things in her life, one of them is the color of her skin. This is a very important issue among the teenagers. In this case, the girl states that her skin betrayed her (Lorde 521). The repetition of girls thoughts is rather evident, and her tone of anxiety is thus conveyed to the reader. These thoughts are inherent to many teens, when they are concerned about the way of their awkward dancing, and that they have nothing to wear (Lorde 521).These thoughts of anxiety are intertwined with the narrators reference to momma, who is behind the closed door. This is a great depiction by the author of the unava ilability of the begin to the teenager. The reader understands that the mother of the narrator does not care about her. The closed door is depicted literally (the door is closed) and figuratively (the mother is not open to her daughter). The repetition makes the emotion of anxiety so powerful, making a strong emphasis on that. This may be explained by the difficult relationship of Lorde with her mother. The narrator seems alone in this world, and the repetition about death expresses her worries about being unnecessary to anybody. Repetition clearly demonstrates to the reader the hard fate of the girl, who wants to convey that she needs someone close to her so badly that those people do not even realize.Work CitedLorde, Audre. The Collected Poems of Audre Lorde. New York, NY Norton, 2000. Print.

Art Critique: Boys in a Pasture vs. Children Wrestling

While the basic nature of art is mimetic, these representations of honesty functions to give an account of events and people that needs to be remembered. Art therefore partakes in accounting the biography of mankind in relation to nature.Winslow homers painting Boys in a Pasture and capital of Minnesota Gauguins Children Wrestling are a case in point. Both paintings reflect a innate(p) scientist framework that depicted the innate and dedicated fondness of children on the natural environment, which at the same succession reveals the ideal quietness and harmony that both artists try to show. Their artistic approaches reflect Henry David Thoreaus (1992) natural history which principally reflects the significance of the objectives and systems of science in humanity.SimilaritiesAside from the mode of painting which is oil painting in canvass, both painting have similar elements, children and nature.The Boys in a Pasture can be considered to portray Homers reminiscence of his own c hildhood while at the same time transfer a positive outlook for a brighter future considering that it was painted afterwards the American Civil war. Homers principal source of inspiration for the painting was the American rural scene which depicted the serenity, peace and simplicity of life.In the same vein, Gauguins painting contained the themes of peace and contentment however set in the ambiance of Brittany. It similarly conveys a positive outlook by depicting children playing in nature. It must be mention that wrestling is contextualized as a regional tradition.It was the practice for young Breton villagers to participate in wrestling matches after Sunday mass (Dorra, p92) Children and children playing are often used as representation of pureness, youthfulness and honor of thoughts vis a vis the corruption of mind that is attributed to maturity. While Gauguin apparently uses this concept, Homers depiction of natural innocence was also reflected with his use of daisies whic h may have been derived from William Wordsworths ritualistic exultation to youthfulness, To the Daisy of 1802. (Scoggins, 1966)Finally, both Homer and Gauguin have their figures of persons with averted faces which are not particularly identifiable so that they can more effectively and generally represent a universal concept of children or youth.

Constraints in Popularising Debit Card

A SUMMER PROJECT piece of music ON Constraints in Popularization of bank make of Baroda debit entry beak By PRAVIN MANDORA pic STEVENS affair SCHOOL A story submitted in p guileial fulfillment of the consumements of MBA Program Submitted to assert of Baroda Ac hold upment The finale of any depute depends upon the co- surgical process, coordi solid ground and consolidated efforts of several re germs of knowledge, energy, and time and to a higher place any the proper guidance of the throwd bankers. in that respectfore I approached this matter of Acknowledgement through these lines trying my best to give full faith where it deserves.I wish to comport my gratitude to our institute, which has provided me the hazard to fulfil the nearly cherished desire to authorize my goal. I am thankful to all in all those who noblely helped me to compile this project with their knowledge and expertise. Firstly I owe a great debt to, STEVENS BUSINESS SCHOOL for obliging the project , thus giving me chance to broaden my horizon and providing me all necessary resources in college to assist me in the project. Also I owe a great debt to Mr. B. N. Menon, Sr. managing director (IT) of situate of Baroda who has been nominated as mentor for my project and besides thankful to all staffs of move as well as headland Office of banking concern of Baroda for providing me the necessary guidelines regarding the project, for fate me to track the offset printing hand instruction and supporting me in the carrying out the project successfully. As well as reposing a belief in me, this was essential for the completion of this project. I express my sincere thanks to Mr. PRIYA KUMAR, Senior Manager (HRM) at Regional Office rely of Baroda Ahmedabad for giving me the opportunity to choose this egestic and the project.I would excessively worry to thank all the persons for their contribution for determine up of this project, which helped me directly or indirectly in completi ng this project. 2. Preface The project is prep ard during the vocational training downstairs taken on partial fulfillment of the course of Master of Business judicatory Hence, this report is knowing with the objective to gain practical knowledge. According to old saying in that respect is a huge difference between To say and to do. To take theorical knowledge is important but it be hails much valuable when we apply it in the practice.So, at that place is a huge difference between theory & practical. For modify this requirement training in swan of Baroda is very practical exposure for me. This training provides golden opportunity for every student, for better lowstanding in a influenceing environment in the organization. Hence, this report is designed with the objective to gain practical knowledge. Table of Context Sr no. Topic Pg No. 1 Indian cambering labor 5 2 Opportunities in the Indian beveling field 17 3 annals of bottle cork 19 4 ad hominem margeing Ser vices 27 5 debit entry beak 30 6 patois Of Baroda debit bug 34 7 SWOT Analysis 38 8 Findings 41 9 Research and development 59 10 Learning 61 11 get word at brim of Baroda 62 12 Bibliography 63 pic Indian banking persistence Introduction to Indian brinking attention The banking corpse remains, as constantly, the most dominant segment of the financial orbit. Indian banks continue to build on their strengths under the regulators watchful eye and hence, discombobulate emerged faster.In the annual international ranking conducted by UK- standd Brand finance Plc, 18 Indian banks attain been included in the Brand Finance Global domiciliateting 500. In fact, render trust of India (SBI), which is the first Indian bank to be ranked among the Top 50 banks in the world, has alter its position from 36th to 34th, as per the Brand Finance study released on February 1, 2011. The distinguish value of SBI has heighten to US$ 1. 12 phone circuit fluffinal. ICICI cuss, the and oppositewise Indian bank in the top 100 monastic order has im straind its position with a brand value of US$ 2. 5 billion. Indian banks contributed 1. 7 per cent to the total global brand value at US$ 14. 74 billion and grew by 19 per cent in 2011, accord to the study. Nationalized banks, as a group, noticeed for 51. per cent of the unite desexualizes, while cognitive content coin bank of India (SBI) and its associates compositioned for 22. 5 per cent, according to keep till of Indias (RBI) Quarterly Statistics on Deposits and reference of Scheduled Commercial Banks kinsfolk 2010. The sh be of New secluded celestial sphere banks, Old private vault of heaven banks, Foreign banks and Regional agrestic banks in aggregate deposits was 13. 5 per cent, 4. 5 per cent, 5. 2 per cent and 3. 1 per cent respectively. With respect to receipts bank credit in addition, nationalized banks earn the highest shargon of 50. 9 per cent in the total bank credit, w ith SBI and its associates at 23. 1 per cent and New Private empyrean banks at 13. 7 per cent.Foreign banks, Old private sector banks and Regional Rural banks held relatively lower shares in the total bank credit with 5. 2 per cent, 4. 5 per cent and 2. 5 per cent respectively. The report also found that plan technical bank offices (with deposits of US$ 2. 25 or to a greater extent) account statemented for 66. 2 per cent of the bank offices, 96. 6 per cent in call of aggregate deposits and 93. 8 per cent in total bank credit. Bank brings registered a product of 21. 38 per cent in 2010-11, while deposit growth stood at 15. 84 per cent, according to data released by RBI. Analysts and bankers express a growth rate of 18 per cent in deposits and 20 per cent in credit should be sustainable for banks in 2011-12. Indias contradictory rally reserves stood at US$ 308. billion as on April 8, 2011, according to the data in the weekly statistical supplement released by RBI. Indians wh o live and work abroad have remitted US$ 55 billion in 2010 as compared to US$ 49. 6 billion in 2009 and have topped the world list in sending property nates pedestal, according to World Banks Migration and Remittances Fact book 2011. With online m angiotensin-converting enzymey transfer services provided by many banks becoming popular, remitting money from any corner of the world is no more a problem. History of Indian Banking Industry Banking in India originated in the first decade of 18th century with The General Bank of India coming into existence in 1786. This was followed by Bank of Hindustan. Both these banks are now defunct.The oldest bank in existence in India is the sound out Bank of India being constituted as The Bank of Bengal in Calcutta in June 1806. A couple of decades later, remote banks standardised Credit Lyonnais started their Calcutta operations in the 1850s. At that point of time, Calcutta was the most active trading port, in the first place due to the t rade of the British Empire, and due to which banking activity took roots there and prospered. The first fully Indian owned bank was the Allahabad Bank, which was established in 1865. By the 1900s, the grocery expanded with the establishment of banks such(prenominal) as Punjab National Bank, in 1895 in Lahore and Bank of India, in 1906, in Mumbai both of which were founded under private ownership.The declare Bank of India formally took on the responsibility of regulating the Indian banking sector from 1935. After Indias independence in 1947, the Reserve Bank was nationalized and give broader top executives. Nationalization By the 1960s, the Indian banking industry has become an important irradiation to facilitate the development of the Indian economy. At the selfsame(prenominal) time, it has emerged as a large employer, and a grapple has ensued about the possibility to nationalize the banking industry. Indira Gandhi, the-then Prime Minister of India expressed the intention of the GOI in the annual meeting of the All India Congress Meeting in a paper entitled Stray thoughts on Bank Nationalisation. The paper was received with positive enthusiasm. on that point by and by, her move was swift and sudden, and the GOI riposted 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 masterstroke of political sagacity. Within two weeks of the issue of the ordinance, the Parliament passed the Banking Companies (Acquition and Transfer of Undertaking) Bill, and it received the presidential approval on 9th August, 1969. A second dose of nationalization of 6 more commercial banks followed in 1980. The depositd reason for the nationalization was to give the g everywherenment more control of credit speech. With the second dose of nationalization, the GOI controlled around 91% of the banking business of India.After this, until the 1990s, the nationalized banks grew at a thou of around 4%, closer to the average growth rate of the Indian economy. Liberalization In the wee 1990s the then Narasimha Rao government embarked on a polity of liberalization and gave licenses to a small itemize of private banks, which came to be know as New Generation tech-savvy banks, which included banks such as UTI Bank (now re-named as Axis Bank) (the first of such sore generation banks to be set up), ICICI Bank and HDFC Bank. This move, on with the rapid growth in the economy of India, kick started 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 frame-up with the proposed relaxation in the norms for Foreign Direct Investment, where all Foreign Investors in banks may be given voting nears which could exceed the be cap of 10%,at present it has gone up to 49% with whatsoever restrictions. The new policy shook the Banking sector in India completely. Bankers, till this time, were utilise to the 4-6-4 method (Borrow at 4% Lend at 6% Go home at 4%) of involvementing. The new wave ushered in a modern outlook and tech-savvy methods of functional for traditional banks. All this led to the sell boom in India. People not just demanded more from their banks but also received more. Current Situation soon (2007), banking in India is generally fairly mature in terms of supply, product ordinate and reach- eventide though reach in folksy 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 proportionality sheets relative to other banks in comparable economies in its region. The Reserve Bank of India is an autonomous eubstance, with minimal pressure from the government. The stated policy of the Bank on the I ndian 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 around time- curiously 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, takeovers, and asset sales.In March 2006, the Reserve Bank of India allowed Warburg Pincus to increase its interest group 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 endorse exceeding 5% in the private sector banks would strike to be vetted by them. Currently, India has 88 scheduled commercial banks (SCBs) 28 public sector banks (that is with the Government of India holding a stake), 29 private banks (these do not have government stake they may be publicly listed and t raded on stock exchanges) and 31 foreign banks. They have a combined network of over 53,000 subdivisiones and 17,000 automatic teller automobiles.According to a report by ICRA Limited, a rating agency, the public sector banks hold over 75 percent of total assets of the banking industry, with the private and foreign banks holding 18. 2% and 6. 5% respectively. Growth of Indian banking industry The growth in the Indian Banking Industry has been more qualitative than quantitative and it is expected to remain the same in the coming twelvemonths. Based on the projections made in the India Vision 2020 prepared by the Planning Commission and the Draft 10th Plan, the report forecasts that the pace of expansion in the balance-sheets of banks is probably to decelerate. The total assets of all scheduled commercial banks by end-March 2010 are estimated atRs. 40, 90,000 crores. That forget comprise about 65 per cent of GDP at latest market prices as compared to 67 per cent in 2002-03.Ban k assets are expected to grow at an annual complex rate of 13. 4 per cent during the rest of the decade as against the growth rate of 16. 7 per cent that existed between 1994-95 and 2002-03. It is expected that there go a charge be large additions to the capital base and reserves on the liability side. The Indian Banking Industry can be categorized into non-scheduled banks and scheduled banks. Scheduled banks constitute of commercial banks and co-operative banks. There are about 67,000 branches of Scheduled banks spread across India. As far as the present scenario is concerned the Banking Industry in India is going through a transitional phase.The open Sector Banks (PSBs), which are the base of the Banking sector in India account for more than 78 per cent of the total banking industry assets. unluckily they are burdened with excessive Non Performing assets (NPAs), massive manpower and lack of modern technology. On the other hand the Private Sector Banks are qualification treme ndous progress. They are leaders in net income banking, mobile banking, phone banking, automatic teller machines. As far as foreign banks are concerned they are likely to succeed in the Indian Banking Industry. Types of Banks The operations of all the banks in India are controlled by the Reserve Bank of India. All the Indian banks are governed by the RBI or Reserve Bank of India. This governing body took over the reasonability of formally regulating the Indian banks in 1935.The Reserve Bank of India was announced as the ex officio Central Banking Authority for the smooth supervision of the banking industry in India. Banks in India are classified into 2 broad categories namely, Public sector banks and Private sector banks. The banking scenario in India has already gained momentum, with the domestic and international banks fabrication pace. All the banks in India are following the embody, determined by revenue minus profit model. This centre that all the resources should be ing estiond efficiently to improve the productivity and ensure a win-win situation. To survive in the recollective run, it is essential to focus on cost conservation. Previously, banks foc spendd on the revenue model which is equal to cost plus profit.Post the banking tames, banks shifted their approach to the profit model, which meant that banks aimed at higher profit maximization. TheHistory of bankingin India dates back to the early half(a) of the 18th century. 3 Presidency Banks that were established in the outlandish namely the Bank of Hindustan, Bank of Madras and Bank of Bombay can also be referred to as close to of the oldest banking institutions in the country. The conjure Bank of India that was earlier known as the Bank of Bengal is also one of the oldest in the genre. To know about the tokens of banks in India, it is necessary that we first comprehend the banking system so as to be able to distinguish about its various(a) types.Alltypes of Banks in Indiaare regulated and the activities monitored by a standard bank called the Reserve Bank of India that stands at the apex of the banking structure. It is also called the Central Bank, as major banking decisions are taken at this take. The other types of banks in India are placed below this bank in the hierarchy. The major types of banks in India are as follows pic Public sector banks in India All government owned banks fall in this variety. Besides the Reserve Bank of India, the State Bank of India and its associate banks and about 20 nationalized banks, all comprises of the public sector banks. Many of the regional rural banks that are funded by the government banks can also be clubbed in this genre.Banks such as State Bank of India, Bank of Baroda, Syndicate Bank and Canara Bank are known as Public sector banks. Public sector banks are controlled and managed by the Government of India. Public sector banks have been serving the nation for over centuries and are well known for their affordable an d quality services. The banking sector in India is mostly reign by the Public sector banks. The Public sector banks in India alone account for about 75 percent of the total advances in the Indian banking industry. Public sector banks have shown remarkable growth over the last five four decades. Allahabad Bank was the first fully owned Indian bank. It was founded in the class 1865. Private sector banks in IndiaA new wave in the banking industry came about with the private sector banks in India. With policies on liberalization being generously taken up, these private banks were established in the country that also contributed heavily towards the growth of the economy and also offering numerous services to its customers. Some of the most popular banks in this genre are Axis Bank, Bank of Rajasthan, Catholic Syrian Bank, Federal Bank, HDFC Bank, ICICI Bank, ING Vysya Bank, Kotak Mahindra Bank and SBI Commercial and International Bank. The Foreign Banks in India like HSBC, Citibank, an d Standard Chartered bank etc.can also be clubbed here. Private Banks are banks like HDFC bank, ICICI Bank, UTI bank and IDBI bank.The concept of private banking was introduced about 15 eld ago. These are the banks that do not have any government stakes. Private Banks have gained quite a strong foothold in the Indian banking industry over the last few years especially because of optimum use of technology. The Private Banks are accountable for a share of 18. 2 percent of the Indian banking industry. IndusInd Bank was the first private bank in India. Currently the bank is among the fastest growing Bank Private Banks in the country. IDBI which is ranked as the tenth largest global development bank is counted as one of the finest financial institutions in the subcontinent. List of Public sector and Private sector banks in India Public Sector Banks Private Sector Banks Bank of Baroda Bank of Rajasthan Allahabad Bank Catholic Syrian Bank Central Bank of India Bank of Punjab State Ba nk of Patiala Dhanlakshmi Bank Andhra Bank HDFC Bank Canara Bank Karur Vysya Bank State Bank of Hyderabad ING Vysya Bank Oriental Bank of Commerce Laxmi Vilas Bank Dena Bank Karnataka Bank State Bank of Mysore due south Indian Bank State Bank of Indore United Western Bank UCO Bank UTI Bank Vijaya Bank Centurion Bank Syndicate Bank City Union Bank State Bank of India Development Credit Bank Bank of India Federal Bank Corporation Bank ICICI Bank Indian Bank IndusInd Bank Union Bank of India Jammu & Kashmir Bank Punjab National Bank- State Bank of Bikaner and Jaipur State Bank of Travancore Bank of Baroda compare between Private and Public Sector BanksThe Private sector banks introduced the concept of online banking in India. This was mostly because the private banks were technically well equipped. Online banking is extremely common today since you can sit anywhere and go onwards with your banking relationss. You do not have to personally visit your bank . The Private sector banks were using state of the art technology and fully computerized systems since the time they entered the Indian market whereas the Public sector banks were not. just despite the technological challenges the public sector banks in India are still the preferred destinations for many as they are considered as goloshr options for money deposit.Cooperative banks in India With the aim to specifically cater to the rural cosmos, the cooperative banks in India were set up through the country. Issues like agricultural credit and the likes are taken care of by these banks. Opportunities in the Indian Banking Sector In the five decades since independence, the Indian banking system has evolved through four distinct phases. The major reform took place in the fourth phase, with the recommendations of Narasimham Committee (1991). The important initiatives that were introduced were the provisioning and capital adequacy, deregulation of interest rates and mitigation of nor ms to enter the banking sector.Further, the merger and acquisition in the sector willinging add a new growth dimension, as it would create 3 -4 global sized banks. The presence of these banks will help the country to tear foreign direct investments, which in turn will drive the future growth in the Indian Banking sector. The report titled Opportunities in the Indian Banking Sector provides a crisp and comprehensive analysis of the current status and overall growth prospects of the Indian banking industry. The report provides an insight into the use of Information Technology in the sector and the impact of the Union Budget 2010-11 on the growth of the sector. The research presents a detailed gadfly analysis of the industry which is substantiated with key findings.The report aims to investigate the opportunities that have been created in the industry in the areas of grant fund, rural banking and e banking. Moreover, the research also explains the impact of the Basel 3 norms on th e functioning of the Indian Banks. Opportunities in the Indian Banking Sector is an outcome of comprehensive research and analysis of the Indian Banking sector. The team has also mapped the private-enterprise(a) landscape of the sector and tried to shed light on the operations/strategies of the key players. Thus, the information operational in the report is expected to enable the target audience in understanding the contemporary industry scenario. Key findings in the report include The Indian banking industry has been able to sustain the global stinting crisis much better than other developing countries due to its robust capital structure. The implementation of Basel 3 norms will make it more immune to crisis and will guard the banking industry against market peril, interest rate risk and operational risk. Moreover, the creation of capital buffer will provide a cushion for periods of stress and will not lead to situations of insolvency. In a major move, undertaken by RBI to elev ate financial inclusion body in the country, additional branch licenses will be granted to private sector banks and NBFCs. This will advertise assist to ease the entry norms in the industry and attract new players.Additionally, the mountain up of new branches will help in extending banking products and services to remote areas of the country. A paradigm shift in the banking system has been witnessed with the use of information technology for implementation of total banking automation. Various bundle companies are launching computer software application packages for banks. For instance, Infosys has rolled out Finnacle which a core banking software, designed to offer solutions for e banking, CRM for requirements of retail, corporate and universal joint banking and core banking. Moreover, with the introduction of interbank mobile payment service by The National Payment Corporation of India, the retail customers can now avail 24*7 fund transfers.History of Bank of Barodapic pic A bout Bank of Baroda A saga of vision and enterprise It has been a foresighted and eventful journey of almost a century across 25 countries. Starting in 1908 from a small building in Baroda to its new hi-rise and hi-tech Baroda incarnate Centre in Mumbai, is a saga of vision, enterprise, financial prudence and corporate governance. It is a story scripted in corporate wisdom and social pride. It is a story crafted in private capital, princely patronage and state ownership. It is a story of ordinary bankers and their extraordinary contribution in the ascent of Bank of Baroda to the formidable senior high of corporate glory.It is a story that unavoidably to be shared with all those millions of people customers, stakeholders, employees & the public at large who in ample measure, have contributed to the qualification of an institution. Our mission statement To be a top ranking National Bank of International Standards committed to augmenting stake holders value through concern, care and competence. Our logo Our new logo is a unique representation of a universal symbol. It comprises dual B letterforms that hold the rays of the rising sun. We call this the Baroda Sun. The sun is an excellent representation of what our bank stands for. It is the single most powerful source of light and energy its far reaching rays dispel darkness to illuminate everything they touch.At Bank of Baroda, we seek to be the source that will help all our stakeholders realise their goals. To our customers, we seek to be a one-stop, reliable collaborator who will help them address different financial needs. To our employees, we offer rewarding careers and to our investors and business partners, maximum way out on their investment. The single-colour, compelling vermillion palette has been carefully chosen, for its distinctiveness as it stands for hope and energy. We also admit that our bank is characterized by diversity. Our network of branches spans geographical and cultural boundarie s and rural-urban divides. Our customers come from a wide spectrum of industries and backgrounds.The Baroda Sun is a fitting face for our brand because it is a universal symbol of dynamism and optimism it is meaningful for our many audiences and tardily decoded by all. Our new corporate brand identity is much more than a cosmetic change. It is a signal that we recognize and are prepared for new business paradigms in a globalised world. At the same time, we will always stay in touch with our heritage and enduring relationships on which our bank is founded. By adopting a symbol as simple and powerful as the Baroda Sun, we hope to communicate both. The Heritage It all started with a visionary Maharajas uncanny foresight into the future of trade and enterprising in his country.On 20th July 1908, under the Companies Act of 1897, and with a paid up capital of Rs 10 Lacs started the legend that has now translated into a strong, authorized financial body,THE BANK OF BARODA. It has been a wisely orchestrated growth, involving corporate wisdom, social pride and the vision of helping others grow, and growing itself in turn. The founder,Maharaja Sayajirao Gaekwad, with his insight into the future, saw a bank of this disposition will prove a beneficial agency for lending, transmission, and deposit of money and will be a powerful factor out in the development of art, industries and commerce of the State and adjoining territories. The Ethics Between 1913 and 1917, as many as 87 banks failed in India. Bank of Baroda survived the crisis, mainly due to its honest and prudent leadership.This financial integrity, business prudence, guardianship and an abiding care and concern for the hard earned savings of hard working people, were to become the important philosophy around which business decisions would be effected. This carte du jourinal philosophy was over years of its existence, to become its biggest asset. It ensured that the Bank survived the Great War years. It ensu red survival during the Great Depression. Even while big names were dragged into the Stock grocery store scam and the Capital Market scam, the Bank of Baroda continued its triumphant march along the best honourable practices. The Heroes No history is complete without mention of its heroes, mostly ordinary people, who turn in extra-ordinary performances and contribute to building an institution.Over the years, there have been thousands of such people. The Bank salutes these unknown soldiers who passionately helped to create the legend of Bank of Baroda. There were also the leaders, both corporate and royal, who provided the vision and guided the Bank through trail blazing years, and departing, remaining behind footprints on the sands of time. This Roll of Honor will be incomplete without mention of men, of the peak ofMaharaja Sayajirao Gaekwad, Sampatrao Gaekwad, Ralph Whitenack, Vithaldas Thakersey, Tulsidas Kilachand and NM Chokshi. Bank of Baroda salutes these leaders whose vi sion helped to create an institution. Offices and branches pic picShower of faces & Accolades On Bank Of Baroda ? Bank of Baroda receives Skoch Award ? Bank of Baroda bags Bank of the year 2010 (for India) ? Bank of Baroda has bagged three awards from Association of Business Communicators of India in an award function held at Mumbai. ? Bank of Baroda has been conferred upon Best Bank 2010 award by the esteemed financial magazine, Business India in recognition of its consistent performance ? Bank of Baroda has been conferred upon Silver Award by Dainik Bhaskar group (DNA) ? Bank of Baroda has been awarded with prestigious Dalal Street- DSIJ PSU Award. ? CMD Shri M. D. Mallya is seen receiving the Skoch Challenger Award from Dr. C.Rangarajan, Honble Chairman, Economic Advisory Council to the Prime Minister. ? Association of Business Communicators of India gives awards every year in various categories of Business Communication. Bank of Baroda got the Gold Trophy for the Indian Langua ge Publication, Silver Trophy for the somatic Website of the Bank, Bronze trophy for Bilingual Internal Magazine and CMDs message. The Awards were received by Smt. Vindhya Ramesh, Dy. General Manager along with team members in an award function held in Mumbai. ? Shri Nandan Srivastava, General Manager in- burster (Official Language) receiving the prestigious millenary National Rajbhasha Shield constituted by National Hindi Academy Bank of Baroda has been conferred Bank of the year Award at India Leadership Conclave held in Delhi. ? Bank has won award for the leading Public Sector Bank in Global Business Development category at the Dun & Bradstreet Banking Awards 2009, held in Mumbai, on wednesday 18th February 2009. Journey from 1908 to 2009 1908-1958 ? 1908 Maharaja Sayajirao Gaekwad III set up Bank of Baroda ( chase). ? 1910 bobber established its first branch in Ahmadabad. ? 1953 BOB established a branch in Mombasa and another in Kampala. ? 1954 BOB exposed a branch in Nairobi . ? 1956 BOB opened a branch in Dar-es-Salaam. ? 1957 BOB established a branch in London. ? 1959 BOB acquired Hind Bank. 1960s-1970 1961 Merger of New Citizen Bank of India with BOB helped it increase its branch network in Maharashtra. ? BOB also opened a branch in Fiji ? 1962 BOB opened a branch in Mauritius. ? 1963 BOB acquired Surat Banking Corporation in Surat, Gujarat. ? 1964 BOB acquired two banks, Umbergaon Peoples Bank in southern Gujarat and Tamil Nadu Central Bank in Tamil Nadu state. ? 1964 BOB lost its branch in Narayanjanj (East Pakistan) due to the Indo-Pakistan war. It is unclear when BOB had opened the branch. ? 1965 BOB opened a branch in Guyana. ? 1967 The Tanzanian government nationalized BOBs three branches there and transferred their operations to the Tanzanian government-owned National Banking Corporation. 1969 The Government of India nationalized 14 top banks, including BOB. BOB incorporated its operations in Uganda as a 51% subsidiary, with the government own ing the rest. 2000s ? 2000 BOB established Bank of Baroda (Botswana). ? 2002 BOB acquired Benares State Bank in Benares at the Reserve Bank of Indias request. ? 2002 Bank of Baroda (Uganda) was listed on the Uganda Securities Exchange (USE). ? 2003 BOB opened an OBU in Mumbai. ? 2004 BOB acquired the failed Gujarat Local bea Bank, and returned to Tanzania by establishing a subsidiary in Dar-es-Salaam. ? BOB also opened a representative office each in Kuala Lumpur, Malaysia, and Guangdong, PRC. 2005 The Reserve Bank of India (RBI), has approved a joint venture between BOB, Bank of Maharashtra (BOM), and Oriental Bank of Commerce (OBC) to set up a bank in Malaysia. The new bank will reside in Kuala Lumpur, which has a large population of Indians. The initial capital required will be US$78 million BOB will invest 40%, and the other two banks will invest 30% each. The JV is awaiting approval from the Malayan Central Bank. Bank has built and commissioned its own State-of-the-Art Global Data Centre (DC) in Mumbai for running its centralized banking solution(CBS) and other applications in 1900+ branches across India and 20 other counties where the Bank is operating. ? BOB also opened a representative office in Thailand. ? 2006 BOB established an Offshore Banking Unit (OBU) in Singapore. 2007 In its centenary year, BOBs total business crossed 2. 09 lakh crores, its branches crossed 1000, and its global customer base 29 million people. ? 2008 BOB opened a branch in Guangzhou, China (02/08/2008). ? 2009 Bank of Baroda registered with the Reserve Bank of New Zealand, enabling it to trade as a bank in New Zealand (2009/09/01) Personal Banking Services Bank of Barodabelieves in the strength and integrity of relationships built with its customers like you. With over 102 years of experience in the banking industry and a wide network of over 3412 branchesall over the country, we have always been active in extending financial support and adapting to your changing needs.Banks Deposit Products,Retail contributes,Credit teaseanddebit fliershelp you with your growing financial needs. With facilities likeLockerswe ensure that your valuables are safe with us. BOBs countrywide branches offer convenience and ease in operating ones account wherever they are. BOBs 24-hour cash dispensers enable to withdraw cash in, check account balance and request for a new cheque book even after banking hours. Faster technology for better service Baroda cyberspace Banking / Baroda Mobile Banking, our latest Internet and Mobile banking initiatives enable you to operate your account just as you would in any of our branches. You can through the Internet check your balance, request for cheque books and print account details.Choose from our various products and services, that we sincerely sapidity will put a smile on your face an investment we would like to bank on forever. Deposits Bank of Barodaoffers various deposit plans that you can choose from depending on the term period, nature of deposit and its unique saving and withdrawal features. Apart from competitive interest rates and cheerful withdrawal options, BOBs deposit plans offer other features such as overdraft rapidness, outstation cheque collections, safe deposit lockers, ATMs etc. Choose fromFixed,CurrentandSavingsDeposit plans. Fixed deposits are categorized into deposits with a term period of less than 12 months, more than 12 months and recurring deposits.These deposit plans offer convenient solutions to both working individuals as well as senior citizens. Current and saving deposits are model for individuals who wish to take advantage of multiple benefits within the same plan and even be qualified to opt for overdrafts. Deposit Products & Services Fixed Current Saving Gen Next Services Gen- Next young Gen- Next Life style Gen- Next Power Gen- Next Suvidha Retail Loans A wide range of solutions for your financial needs Bank of Barodaoffers a wide range of retail loans to meet you r diverse needs. Whether the need is for a new house, childs education, buy of a new car or home appliances, BOBs unique and need specific loans will enable his/her to convert dreams to realities. Products Home Loan Home improvement Loan Loan Against Future Rent Receivables Advance Against Securities Baroda Career Development Loan Two bicyclist Loan Traders Loan Baroda Ashray Home Loan TO NRIs/PIOs Mortgage Loan Education Loan Auto Loan Loan To Doctors Personal Loan calculate Card TheBank of Baroda International Debit Cardis judge at over50000 endorse negatron ATMs in India and 1000000 ATMs worldwide. The card is also use uped at any 350000 merchant outlets in India and around 29 millions globally.The card enables you to enjoy the convenience of cash-less purchasing power without the fear of overdrawing your account Key Benefits and Features ATM daily cash withdrawal terminal point Rs 25,000 (per transaction limit Rs. 15,000) and Poin t of Sales (POS) daily limit Rs. 50,000. Take advantage of the most widely accepted card and be able to withdraw from any ATM displaying the VISA logo, in India and abroad. At VISA Electron merchant shops, it can also serve as your electronic purse, and money gets debited instantly from your account, as you pay. The Card allows you to get mini-statements from Bank of Baroda ATMs, or to check the balance in your account, avoiding visits to even our near branches. Whats a Debit Card? A debit card is issued to an account and card holder uses the card the debit transaction is directly affected to his/her account to the extent of balance for sale. Whereas in credit card there is no need of account but a credit limited is granted up to which one can spend. How Does a Debit Card Work? When you use a debit card, the linked account is suss out for the balance availability and the transaction debits (withdraws) the get along from the linked account , immediately.You can use a debit card to get cash fromATM machinesor have it swiped like a credit card at shops or restaurants or swipe it through a pay phone to make a call. devising a Travel Budget With a Debit Card Naturally, you cant rely on your debit card for all your international proceeding imagine haggling with a street vendor, getting the price right and then trying to give him/her plastic Remote hostels and many restaurants in third world countries dont accept credit cards (which is how debit cards are viewed in the business world).Thus, youll need to make cipher plans onward you leave home so that you have travelers checks and cashandsome money in your checking account for use on your debit card. Lets assume you have a budget of $2000 for your trip. Decide how youre comfortable carve up that into the way youll use it $100 in travelers checks (although travelers checks are dead as disco, because carrying them is a pain on several levels weve had banks in other countries refuse to cash them, weve lost them, etc. and so on), $400 in cash and $1500 left in your checking account, for example thats $1500 on your debit card. If that $2000 represents your entire cash portfolio, consider setting up emergency precautions before you leave home.If someone, like Dad, is willing to loan you money, leave deposit slips with him so that if you spend all your money abroad, you can dial for dollars (using your debit card) and he can get some money into your account. If your debit card (your checking account) is almost empty, ask him to tell the bank to memo post the deposit so that the cash is immediately obtainable and your debit card is quickly back in business. How to trounce a Debit Card Chances are you were automatically offered a debit card when you opened your checking account. If you dont have a checking account, go open one now.Look for a bank that doesnt charge checking account fees, and ask for a debit card. It takes a few d ays to two weeks to get a debit card after you order it. When the card arrives, sign the back have photo id with your signature handy when you use the card merchants may want to compare your face and your signatures to protect themselves from fraud. How to Choose a Debit Card immobilise Number Your debit card comes with a block (personal identification quash) which can be changed to a number you can easily remember. Memorize it if you have to write it down, keep that separate from your card.Dont choose an obvious number, like your birthday, in order to lessen the chances of someone else being able to guess your PIN number if they come into possession of your card. If You Lose Your Debit Card If your card is lost or stolen, call your bank a sap (Skypes a fair, cheap choice for international calls from anywhere you can find a computer) before someone else spends your money. Write down your banks number before you leave home and keep it in a couple of places your journal, your guidebook. Set up aninternational snail mail address before you leave home so your bank can send you a different card if yours does get lost or stolen. When to Use Your Debit Card Debit cards are handy when making a long distance room reservation or any internet reservation, including plane tickets. You cant use a debit card just like a credit card when renting a car the companies require a major credit card, which offer a certain amount of insurance in type you have a fender bender. About Debit Card Fees and Overseas Transaction Fees International ATM machines will charge a feewhen you use your debit card the amount is determined by the ATM owner. Most fees are under $5 a notice on the ATM machine will tell you what the fee is. More than $2 is too much look for another ATM machine. The real fee problem with a debit card comes from your own bank the card issuer may charge you up to 3 percent for a foreign transaction, including an ATM withdrawal. C all your bank long before you go if you dont like the fee, call around and ask what other banks are charging for foreign transactions made with a debit card be sure to ask what, if any, fees the bank will charge for an ATM withdrawal made on foreign soil, even at an international bank. Bank Of Baroda Debit Card What is a debit card? Debit Card is an electronic purse, which allows the holder to withdraw cash from ATMs and also enables him to purchase goods or services from the member establishments. Debit Cards are mostly issued in collaboration either with VISA or MASTER Card. What is Bank of Barodas Debit Card? Bank is issuing globally accepted Debit Card in association with VISA, which will be the easiest way to inlet customers account. A debit card will allow the customer to purchase goods at VISA Electron merchant establishments and withdraw Cash from any VISA ATM in India and abroad. It is a 24 hours banking facility. What is the difference betw een a Debit Card and a Credit Card? The basic difference between a Debit Card and a Credit Card is that the Debit Card gives the customer access to his own money whereas the credit card is a form of loan and allows line of credit offered by the Bank. As in case of Debit Card, there will be on line debit to the customers account, there are no hassle of receiving bills, making payments on due dates, making payment of interest on the amount not paid etc. What is the advantage of a debit card? The debit card provides tremendous convenience in payments and helps the customers tighten the amount of cash they need to carry. Besides that customer always stays in control of his cash in hand as he can spend only what he has in his account. It also gives an unparalleled access to his account, whenever he wants, wherever he goes. No Interest / service Charges Suits to the Indian psyche of limited expenditure. Debit card is not included in the list of Compulsory Income Tax Return Fi ling. Usable at POS and hence no carry cash Same Card usable at ATMs Will customers be entitled to get an additional card in case of joint accounts? All the joint account holders, if the operating instructions in the account are either or survivor, are desirable to get an additional card in his/her own name. What are the charges for issuing of a Debit Card? There are no charges for issuing a debit card. What should customer do on receipt of DEBIT CARD? guests are advised to immediately sign on the panel on the back of the Card. However, to prevent any possible upon, even before delivery of Card to customer, it has been made mandatory that guest should first use the Card at ATM, which requires PIN to be entered..Debit Card will be pioneer for use at POS only after it is used at ATM. What is PIN? PIN is a 4 Digits Personal Identification Number, which is issued to the customer in a CLOSED Jacket and is delivered to him separately. Customers are requested to ensure t hat PIN jacket is received by them INTACT and they are also requested to change his PIN immediately. Under no circumstance, PIN should be divulged to anyone including to any official from the Bank. Where will Bank Of Baroda Debit Card be accepted? TheBank of Baroda International Debit Cardis accepted at over 32000 Visa Electron ATMs in India and 1000000 ATMs worldwide.The card is also accepted at any 350000 merchant outlets in India and around 29 millions globally. The card enables you to enjoy the convenience of cash-less purchasing power without the fear of overdrawing your account. What are the facilities available at ATMs? At BANK OF BARODAs ATM network, Customer will be able to withdraw Cash, make a balance enquiry, change his PIN and print a mini statement of his account. However, at all other banks ATMs he will be able to withdraw cash and enquire the balance only. Whether there are any charges for using CARD at ATMs? There will not be any charges for using the Car d at Bank of Barodas own ATM network.However, if the Card is used at other banks ATM, whether in India or abroad, customer is required to pay the charges as per tariff of charges, which will be declared by the Bank from time to time. And what about charges for using the Card at POS? There will not be any charge for using the Card at the POS, either in India or abroad except a nominal service charge is levied if the card is used at Petrol Pumps and Indian railways. How the amounts withdrawn abroad or purchases made outside India are debited into the account? commonly the Cash can be withdrawn and payments for purchases can be made upto the amount of balance available in the account of the customer.However, for safety reasons Bank has fixed PER DAY limit of Rs 15000/- for withdrawing the Cash at ATMs and Rs 25000/- for making purchases at the POS, subject to maximum of balance available in SB account. These limits are also subject to using the card MAXIMUM of FOUR times in a day. Are any formality required to be completed by the Bank for international transactions? NO, the customer is required to use the Card as per his foreign exchange entitlements only and necessary formalities as required under FEMA 1999 are to be complied with by the customer. What will be the mode of payment in case of a Debit Card? The account of the customer will be debited instantly to the extent of purchases made and amount withdrawn from the ATMs. Therefore, there will not be any monthly outstanding as in case of Credit Cards. If customer returns the goods to POS or cancel the transactions, will his account be credited online? In case he cancels the transaction immediately, customers account will be credited immediately. However if any customer returns the goods later, merchant will make the payment to our Base branch through acquirer. flip will pass on the credit to customers account thereafter. What is the procedure to be followed in case of loss of Debit Car d? In case of loss of card, customer will be required to report the loss IMMEDIATELY over phone to our 24 hours Customer Care doorbell free number 1800 220 400. He will also be required to report the loss to nearest police station and inform the Bank in writing along with a copy of information duly acknowledged by the Police. When will the customer get replacement card in stead of lost one? Replacement card will be issued to customer after receipt of above information and a request for issuing of replacement card from the base branch of the customer. How can Customer prevent misuse of card in event of getting it misplaced? Customers are protected from the misuse/losses on the Debit Card after they report the loss to the Bank. They will be cover automatically under an insurance cover. Please note that this cover will be available to customers only for misuse of card atPOS, because at ATM misuse without PIN is not possible. Customer is neither conjectural to divulge his PI N to anyone nor record the PIN anywhere. pic SWOT Analysis SWOT ANALYSIS STRENGTH ? financially strong bank ? Very old bank ? assertive marketing ? Good repo ? Technological modern WEAKNESS ? Guidelines are not flexible ? Power is not decentralized OPPORTUNITIES ? New area is developing. So, there is vast chance for housing loan. ? Guidelines to be designed in such a way that needs of the all type of prospective borrowers should be fulfilled. THREATS ? This is the nationalized bank so, competition may be with private banks ?Aggressive marketing strategies by private banks ? Entry of foreign banks in near future. pic Findings and Research Methodology Findings Q. 1. Are you a customer of BOB? pic Interpretation- Around 91. 60% are Bank of Baroda customer, because these surveys are conducted in various branches of BOB only. So majority are customer of BOB. Q. 2. Which type of A/C do you maintain? pic Interpretation- According to survey there are majority of respondent are maintaini ng saving account. Its very easy to maintain and also only 1000Rs. are required for opening these type of account. Q. 3. How long are you banking with BOB? pic Interpretation-According to total respondent 29 respondent are banking with Bank of Baroda lies between 1-5 years and 26 respondent are banking with BOB more than 5 years. Q. 4. Which of the following facilities of BOB you use? pic Interpretation- According to respondent 40 customer are using ATM/Debit Card and 18 customer are using Net banking. These show those customers are using ATM/Debit card facilities more than other facilities. Q. 5. How frequently do you use AMT/Debit card? pic Q. 6. What dissolve you are using AMT/Debit card? pic Q. 7. Select the type of Baroda Connect a/c you use? Q. 8. How did you come to know about Baroda Connect? pic Q. 9.Which of the following do you use in Baroda Connect facility? pic Q. 10. How frequently do you use Baroda Connect (net banking facility)? pic Q. 11. Select some of the benefits of using Baroda Connect? pic Q. 12. Do you have demate A/C? pic Q. 13. Satisfaction level of using ATM/Debit card pic Q. 14. Satisfaction level of using Baroda Connect (Net Banking) pic Q. 15. How frequently do you visit the branch? pic Q. 16. What are purpose of visiting the brand? pic Personal Detail- ? Gender- pic ? Education- pic ? Monthly Income (Rs. )- pic Research & Development ACTUAL COLLECTION OF information Data sources The sources of data include either petty(a) data or primary data and even ome times the combination of both. The present study is more concentration on both primary and secondary data. Primary data Primary data is collected through face-to face interaction with customers of the telecom companies, by meeting them in personal. Secondary data The secondary data used for their study are inclusive of the data collected from the internet, catalogues and brochure. SAMPLING PLAN 1 Define Population ? Elements Customers ? Sampling Units Businessmen, Professional, House wives, Students. ? goal West, North, South, East 2 Sampling Frame ? Various Branches of Bank of Baroda, Ahmedabad city. 3 Sampling Method ? random Sampling METHODOLOGYThe study will conduct on the bases of survey through questionnaires given to respondents. Sampling convention Population Ahmadabad Sample Size Population of 60 LEARNINGS The most important part is that they make me feel employee of the organization rather than a trainee and allow me to flourish in each and every department. They were so generous to me that at any mistake, rather scolding they taught me how to correct it & allow me to learn from that mistake. Learning include, 1. Overview of the banking industry & their operation 2. Deep Knowledge of ATM/Debit Cards 3. Familiar with third party Products and Alternative delivery Channels 4. Gain knowledge of loan 5.Proposals that the bank has approved for the disbursement of loan 6. Working on CRISIL and learning some of its function 7. The most important lear ning of CIBIL& how to learn this CIBIL 8. Knowledge & functioning of LAPS software 9. Also Updated with SME Loans, City back offices, Service branch, MICR centre. 10. How to come out from the different problems & how to interact with customer. 11. Awareness of FINACLE software. fix at Bank of Baroda I would like to conclude my project with a feeling of having gained enormous knowledge in the field of advances. My project has taught me a lot and has helped me sharpen my management skills for application aspect.I had wonderful experience for which I am greatly thankful to the entire staff of BOB who have continuously taught me by guiding in each and every step. It was a memorable experience of working in such a lively & dedicated atmosphere. Not to forget to mention that my two months training has removed my misconceptions regarding the working of public sector bank. Lastly, I would conclude it was such a memorable experience for me to be a part of BOB. Thanks a lot to all staff memb ers of BOB for such a good co-operation. BIBILIOGRAPHY ? www. bankofbaroda. com ? www. google. com ? http//www. ibef. org/industry/Banking. aspx ? www. cibil. com ? www. crisil. com pic pic