Non Commissioned Officers in the Army

With the attack on Pearl Harbour in December 1941, the United States found itself in another major war. Mobilization greatly increased the numbers of Army non-commissioned officers. Ironically, mobilization, combined with other factors, created a staggering growth in the percentage of non-commissioned officers to total forces. The proportion of non-commissioned officers in the Army increased from 20 percent of the enlisted ranks in 1941, to nearly 50 percent in 1945, resulting in reduced prestige for many non-commissioned officer ranks. Coupled with this growth in numbers, the eight-man infantry squad increased to twelve, with the sergeant then staff sergeant, replacing the corporal as its leader. The rank of corporal came to mean very little, even though he was in theory and by tradition a combat leader. Basic training in World War II focused on hands-on experience instead of the classroom. NCOs conducted all training for soldiers. After basic training, a soldier went to his unit where his individual training continued. The major problem was that the rapid expansion of the Army had led to a proportionate decrease in experienced men in the non-commissioned officer ranks. Making this condition worse was the practice of quickly advancing in rank soldiers who showed potential while combat losses reduced the number of experienced NCOs. Fighting in the Pacific and Europe required large numbers of men. Millions of men enlisted and America drafted millions more. Still the Army suffered from manpower shortages. In 1942 the Army formally added women to its ranks. By 1945 over 90,000 women had enlisted in the Army. Women served in administrative, technical, motor vehicle, food, supply, and communications, mechanical and electrical Positions during the war. http://www.armystudyguide.com/content/army_board_study_guide_topics/nco_history/history-of-the-nco-from-f.shtml World war II made more demands on non commissioned officers corp. and had a greater impact upon the NCOs role and status than any previous conflict in American history. By the end of the war, there were 23,328 infantry squads in 288 active infantry regiments. More than seventy separate battalions, including armoured infantry and rangers, raised the total number of such squads to over 25,000, all needing non-commissioned leaders. Drafted, trained, and promoted during the hectic months of 1942 and 1943, these citizen soldiers carried our their duties as non commissioned officers superbly, in countless engagements on every front during WWII, but especially those where small unit leadership was at a premium, such as jungle warfare of new guinea in the pacific and the Hurtgeen forest battle in Europe. There were many Heroes of WWII and you could choose any one of them but here we have the first secret hero America had in World War II. WASHINGTON (Army News Service, March 29, 2005) — Fifty years ago an Army Reserve non-commissioned officer performed an act of heroism that led to him becoming America's first secret hero. Manning a hilltop position near Taejon-ni, Korea, Cpl. Hiroshi Miyamura, formerly of the Enlisted Reserve Corps, was a long way from his home in Gallup, N.M. on the night of April 24, 1951. A major Chinese Communist offensive had been launched against the United Nations line. Miyamura, a machine gun squad leader in Company H, 7th Infantry Regiment, 3rd Division, was 25/5/07 Ordered by his platoon sergeant to take 15 men — machine gunners, riflemen and ammo carriers — to a hill south of the Imjin River and hold the position against the Advancing Chinese Communists as long as possible. He did exactly that throughout the night, Miyamura directed the heavy and light machine guns of his squad as they held off repeated attacks by the Chinese. The combat was savage. Miyamura kept yelling at his gunners to use short bursts. He joined in with automatic fire from his carbine and threw grenades at the enemy, whose attacks were accompanied by bugles, whistles, flares, and supporting mortar bursts. At one critical point, he charged the enemy with his bayoneted carbine and killed ten of them in close-in-combat, breaking up the attack. Finally, it was time for those Americans still alive to fall back. Miyamura slid into the heavy machine gun position and told the unwounded members of the crew and two riflemen to help the injured soldiers away; he would cover them. They moved out and Miyamura was alone, waiting. Then the bugles and whistles sounded again. The Chinese were coming up the hill again. Miyamura fired his machine gun until it ran out of ammunition. He then threw grenades towards the advancing Chinese. With his final grenade, he destroyed the machine gun and took off for a nearby trench, where he literally ran into a Chinese soldier. Despite the surprise encounter, he shot the Chinese and wounded him. The Chinese got off a grenade, which Miyamura kicked away. It exploded, killing its thrower and wounding Miyamura in the leg. As enemy soldiers poured up the hill, Miyamura tried to get away but stumbled into American barbed wire in the dark, causing him further injury. Freeing himself, Miyamura dropped into a hole playing dead while the Chinese swarmed over the area. One Chinese soldier was not fooled and he pointed a pistol at the young corporal, telling him to get up. Four days later, a task force from Chinese around Miyamura's machine gun position. There was no Trace the 3rd Division recaptured the hill. There were more than 50 dead of Miyamura among the dead G.I.s of his section. The man who so fiercely defended that hill joined the Army during World War II and became part of one of the most famous units in American military history, the 442nd Regimental Combat Team. This unit, composed entirely of Americans of Japanese Ancestry, except for some white officers, was — for its size and length of service — the most decorated unit in the Army. Along with the attached 100th Infantry Battalion, its members earned more than 18,000 individual decorations, to include one wartime Medal of Honour, 52 Distinguished Service Crosses, 588 Silver Stars, 5,200 Bronze Stars and more than 9,480 Purple Hearts. We cannot of course forget Ira Hayes the hero, On February 19, 1945, Hayes took part in the landing on Iwo Jima. He then participated in the battle for the island and was among the group of Marines that took Mount Suribachi four days later, on February 23, 1945. The raising of the second American flag on Suribachi by five Marines, Ira Hayes, Rene Gagnon, Harlon Block, Franklin Sousley, and Mike Strank, and a Navy Corpsman, John Bradley, was immortalized by photographer Joe Rosenthal and became an icon of the war. Overnight, Hayes (on the far left of the photograph) became a national hero, along with the two other survivors of the famous photograph, Rene Gagnon and John Bradley. Hayes's story drew particular attention because he was Native American. Hayes was promoted to the rank of corporal before being discharged from the Marine Corps. His decorations and medals include the following: Commendation medal with â€Å"V† combat device, Presidential Unit Citation with one star (for Iwo Jima), American Campaign Medal, Asiatic-Pacific Campaign Medal with four stars (for Vella Lavella, Bougainville, Consolidation of the Northern Solomons, and Iwo Jima) and the World War II Victory Medal This then is the Heroes, now we will have a look at the weapons. The total allied forces in the Second World War were, Tanks 210,950 added to this vast number of fighting machines we had the help of Merchant Shipping, which totalled 44,431,300, and of course the Warships of which there was a grand total of 10,853,200 in the allied forces. Of course you also need to mention the warplanes that numbered 582,500. But the biggest weapon that we used and is still not recognised as such is the terrific amount of manpower that was needed, 109,705,100 men fought in the war and they above the weapons need to be mentioned, yes the weapons helped but it is the sheer blood and guts of the men and women that fought so bravely that got us all through. http://www.historylearningsite.co.uk/weapons_and_manpower.htm Part of the creed of NCOs is as follows and tells us what his duties are. Competence is my watchword; my two basic responsibilities will always be uppermost in my mind. Accomplishment of my mission, and the welfare of my soldiers. I will strive to remain tactically and technically proficient, all soldiers are entitled to outstanding leadership and I will provide that leadership, I know my soldiers and I will always place their needs above my own. I will communicate consistently with my soldiers and never leave them uninformed. I will be fair and impartial when recommending both reward and punishment. Officers of my unit will have ample time to fulfil their duties. They will not have to accomplish mine. I will earn their respect and confidence as well as that of my soldiers. I will be loyal to those I serve, seniors, peers, and subordinates alike. I will exercise initiative, by taking appropriate action in the absence of orders. I will not compromise my integrity. Nor my moral courage, I will not forget nor will I allow my comrades to forget that we are professionals. Non-commissioned officers, and leaders. http://ncohistory.com/files/Origins.pdf Throughout history, training noncommissioned officers of the United States Army had been accomplished using on-the-job training (OJT) in the unit, and many believed that is where it should stay. Training noncommissioned officers was conducted by officers in the regiment and was the commanding officer’s responsibility. It was accepted that unit training was the best means of developing noncommissioned officers and potential noncommissioned officers. In most early writings the NCO was regarded with the Enlisted man and as such received little interest. They should teach the soldiers of their squad how to dress with a soldier like air, how to clean their arms, accoutrements, etc and how to mount and dismount their Firelocks. {Instructions for the Sergeant and corporal Von Steubens 1779 Blue Book} Citation Page http://ncohistory.com/files/Origins.pdf http://www.historylearningsite.co.uk/weapons_and_manpower.htm http://www.armystudyguide.com/content/army_board_study_guide_topics/nco_history/history-of-the-nco-from-f.shtml   ;

Mobilization of Deposits

Topic: â€Å"Mobilization of deposits in banking system of Pakistan† Submitted to: Ma’am Bushra Submitted by: Muhammad Mumtaz (09-arid-929) Tayyab Sultan (08-arid-387) Muhammad Sohail Zafar (09-arid-934) Farhan Ahmed (08-arid-402) ACKNOWLEDGEMENT Thanks to Almighty ALLAH who had made us able to complete this project with the true knowledge. Special thanks are due to our respected teacher Ma’am Bushra Zulfiqar who have shown us the right way to go for our project to success and enlightened our mind with the tips and guidance to think creatively.We are thankful to our friends, who help us a lot during this course of project. Table of content: 1) Deposit——————————————————————————-4 2) Current Accounts——————————— ———————————-4 3) HBL Freedom Account————————————————————4 4) HBL Business ValueAccount—————————————————-4 5) Term Accounts———————————————————————-5 6) HBL Advantage Account———————————————————-5 7) Investment Plus Deposit————————— —————————â €”–5 8) Savings Accounts————————————————– —————–5 9) PLS – Savings Account————————————————————-6 10) Remittance Munafa Plus Savings Account—————————————6 11) Foreign Currency Accounts———————————————————7 12) Mobilization of deposits————————————————————-8 13) HBL Car Loan—————â⠂¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€ ——————8 14) HBL Car To Car———————————————————————–9 15) HBL Credit Card———————————————————————10 16) HBL Home Loan———————————————————————11 17) HBL INVESTMENT BANKING———————————– ————–13 18) HBL Zarai Banking————â₠¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€14 19) MCB Islamic banking——————————————————- ——–17 20) Al-Makhraj Saving Account————————————————— —–17 21) IANAT Account———————————————————————–18 22) Al Makhraj Term Deposit————————————————————20 23) Ijarah———————†”————————————————————20 24) Murabahah——————————————————————– ———-21 25) Diminishing Musharika Equipment————————————————-21 Abstract: Banks generally adopt following strategies to mobilize their Deposits in two categories 1-  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Demand Deposits which are payable to the owner on demand i. e Savings Accounts Current Account etc. 2-  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Time Deposits.These are Fixed Deposit for various tenors ranging from month to 10 years and are payable at maturity. * Banks accept Deposits from institutions like Government institution s, public ltd and Private limited companies and Trusts etc. * Banks accept Deposits from general public by launching various Deposit schemes catering the needs of every segment of society and offer attractive Profit rates on these schemes. * For example HBL offers HBL Money club Account to kids up to the age of 18 and offer ATM Card (with restricted Limit) and attractive Profit Rates up to 7. 55% to attract the youngsters who will subsequently prefer to maintain their Account with HBL till life time. For Businessmen who frequently transfer money to and from their Accounts to make their business payments HBL offers Freedom Account in which they can make Drafts of unlimited Number and amount and free online funds transfer by maintaining minimum daily balance of Rs. 25,000. 00/- only. This strategy attracts huge numbers of businessmen to HBL which has competitive advantage of largest Network of branches in every city of Pakistan with online facility. * For customers mostly businessmen who want profit on daily basis HBL Offers HBL Daily Progressive Account on which profit is calculated on daily basis and credited into customers Accounts at month end. * Similarly to encourage the remittances by expatriates through banking channels HBL offers RMPA Remittance Plus Munafa Accounts. * HBL mobilizes its deposits in the form of investments in projects and give loan to corporations as well as to the consumer.HABIB BANK LIMITED: DEPOSITS: There are different types of deposits account. Current Accounts: Make unlimited transactions while maintaining a low minimum balance every month. Current Account of HBL: * Minimum balance of Rs. 5,000 * Unlimited transactions * Non-profit bearing * HBL Debit Card and Inter Branch Transaction System (IBTS) facilities * Funds transfer to any bank through HBL Phone Banking Basic Banking Account (BBA): * Can be opened with only Rs. 1,000 * No minimum balance requirement * Up to 2 withdrawal and 2 deposit transactions free every month * Unlimi ted withdrawals through HBL Debit Card * Non-profit bearing HBL Freedom Account:Use your money as you please with HBL Freedom Account. Rest free from worries and expand your business with unmatched accessibility. HBL Business Value Account: * No minimum balance requirement * HBL Debit Card and Inter Branch Transaction System (IBTS) facilities * Unique transactional account for Businessmen * Up to 10 Bankers Cheques free (at minimum balance of Rs. 500,000) * Profit calculated daily, paid every quarter * Up to 5. 35% profit per annum * Funds transfer to any bank through HBL Phone Banking. * Nominal monthly maintenance charge of Rs. 50 Term Accounts: Invest your savings in our term deposits for a fixed duration and earn profit while keeping your savings secure.HBL Advantage Account: | | |   | | | | | | | | | Term| Profit per annum| 1 Year | | 12. 00%| | 3 Year | | 14. 00%| | 5 Year | | 15. 00%| | 10 Year | | 18. 00%| | | | |   | †¢ | Multiple options for tenure and profit payo ut. | †¢| Loan facility up to 90% of investment. | †¢| Minimum investment of Rs. 25,000. | †¢| Withdrawal at end of fixed term. | Investment Plus Deposit: * Profit paid at maturity * Minimum investment of Rs. 20 million| * Multiple options for tenure and profit payout| * Withdrawal at end of fixed term * Account for Institutions| Savings Accounts: Avail the flexibility of making transactions while earning profit on daily/monthly basis.HBL Value Account: * 7. 19% profit per annum| * Profit calculated monthly, paid every quarter| * Deposit ranges from Rs. 10,000 to Rs. 1,000,000| * Two withdrawals free every month| PLS – Savings Account: * 5. 06% profit per annum| * Profit paid bi-annually| * HBL Debit Card and Inter Branch Transaction System (IBTS) facilities| * Funds transfer to any bank through HBL Phone Banking| * Minimum balance of Rs. 20,000| * Unlimited transactions| Remittance Munafa plus Savings Account: * Special account for receiving foreign remittance s| * 5. 12% profit per annum| * Profit paid every month| * Minimum balance of Rs. 20,000| Daily Munafa Account: Profit calculated daily, paid every month| * Up to 8. 84% profit per annum| * HBL Debit Card and Inter Branch Transaction System (IBTS) facilities| * Funds transfer to any bank through HBL Phone Banking| * Minimum balance of Rs. 20,000| Daily Progressive Account: * Unique transactional account for Institutions| * Profit calculated daily, paid every month| * Up to 11. 57% profit per annum| * Inter Branch Transaction System (IBTS) facility| * Funds transfer to any bank through HBL Phone Banking| * Minimum balance of Rs. 20,000| Foreign Currency Accounts: HBL offers Foreign Currency Accounts in multiple currencies as savings and term accounts. FC-SB: Savings Account offered in 3 currencies, USD (US dollar), EUR (Euros) and GBP (UK pound)| * Tiered product, with rates depending on choice of currency| * To earn profit, minimum balance should be 1000 USD, EUR or GBP| * Interest is payable on a quarterly basis| HYFFD (High Yield Foreign Currency Fixed Deposit): * Available in 1 month, 2 month, 3 month, 6 month and 12 Month in USD, EUR | * Tiered product, with rates depending on choice of currency and term| * Profit paid on maturity only. | Mobilization of deposits: HBL CAR LOAN: HBL CarLoan helps you get your preferred car through a simple and hassle-free process, backed by superior service and support. Now you can drive a car you always wanted. Features: * Choice of used, new local/imported and reconditioned imported car. * Repayment options ranging upto 7 years. | * Up to 85% of financing for the car of your choice. | * Insurance at all times for complete peace of mind and security. | * Round the clock support available through HBL Phone Banking you can place your requests and queries, track the status of your repayment/loan account and avail other value-added services through HBL Phone Banking. | Eligibility criteria: | Salaried Individuals | Self-Employ ed Business persons/ Professionals | Citizenship| Pakistani| Pakistani| Age| 22-60 years | 22-65 years | Minimum monthly income| Rs. 20,000 | Rs. 25,000 | Documentation: Salaried Individuals | †¢ | Copy of CNIC | | 2 recent passport size photographs| †¢| Latest original salary slip and personal bank statement for last 3 months| | Self-Employed Business persons/Professionals| †¢ | Copy of CNIC | †¢| 2 recent passport size photographs| †¢| Bank statement for last 6 months and bank letter confirming details of account| †¢| Proof of business| | HBL Car To Car:| HBL Car To Car is a revolutionary car financing offer. It makes the car of your choice affordable and practical with a buy back guarantee. HBL CarToCar offers matchless features and unique options at the end of the lease. Now you can drive a new car at the end of every two years. Features: Affordability:With HBL Car To Car, you only have to pay the difference between the car price and the pre-agreed residual value to the bank. As a result, the monthly installment may even be 40% to 50% less than that of conventional financing Upgrade of lifestyle: HBL gives you the guarantee that if you wish to return the car to us at the end of the lease term, you will not have to pay off the car’s residual value. Instead, we will directly settle this outstanding liability for you under the buy back guarantee. Hence, you can upgrade to a new car as frequently as two years* without any complication and hassle. Pay only for what you use:When you lease a car under HBL Car To Car, you only pay for that part of the car’s value that you use during the lease term.The car’s residual value* (forecasted for the end of the specific lease term) is agreed with you at the start of the lease term. This amount is deducted from the car price thus lowering the finance amount. This finance amount is based only on a part of the car’s value and not the full value of the car. Therefore, HBL CarToCar offers very low installments as compared to any conventional financing. |   | .| Flexibility| | HBL Car To Car offers you several choices at the end of the lease term:| * Upgrade – Simply return the car to HBL and drive a new one home | | * Walk away – Return the car to HBL and end the lease| | * Buy – Keep the same car.Just make a one-time settlement of the car’s residual value to HBL or pay the same in easy installments over a specified extended period of time| | * Sell – Enjoy the gain from selling off the car at a higher price in the market than what you ay HBL as the residual value| Eligibility criteria: | Salaried Individuals | Self-Employed Business persons/ Professionals | Citizenship| Pakistani| Pakistani| Age| 22-60 years | 22-65 years | Minimum monthly income| Rs. 20,000 | Rs. 25,000 | Documentation: Self-Employed Business persons/Professionals †¢ | Copy of CNIC | †¢| 2 recent passport size photographs| †¢| Bank statement for last 6 months and bank letter confirming details of account| †¢| Proof of business| Salaried Individuals | †¢ | Copy of CNIC | †¢| 2 recent passport size photographs| | Latest original salary slip and personal bank statement for last 3 months| | | | HBL Credit Card:| Welcome to a world of convenience and flexibility. Accepted at over 29 million merchants worldwide, HBL Credit Card makes shopping fun and paying simple. So make the most of your shopping experience. Gold Card|   | Green Card| Rupees| Minimum gross salary requirements| Rupees| 50,000| | Salaried individuals| 15,000| | 180,000| | Self-employed business persons/professionals| 25,000| | | Rupees| Credit limit range| Rupees| 150,000| | Minimum| 20,000| | 500,000| | Maximum| | | | HBL Home Loan:| HBL Home Loan offers financing options to purchase a new house or renovate an existing house.Outright purchase: The outright purchase loan option provides financing for buying a new house. Home im provement: Home-improvement loan option provides financing for renovating your house. Outright Purchase| Descriptors| Home Improvement/ Renovation | 3 years to 20 years| Loan tenure| 3 years to 20 years| Rs. 300,000 – Rs. 15,000,000| | Loan amount| Rs. 300,000 – Rs. 5,000,000| | 85%| | Maximum financing amount (as % of appraised value of the property)| 70%| | 5 years| Property lease (years remaining at the time of loan maturity) | 5 years| Borne by the Bank| | Property insurance| Borne by the Bank| | Primary applicant and co-borrower| | Life insurance through HBL by the insurance company on HBL panel)| Primary applicant and co-borrower| | Eligibility criteria: | Salaried Individuals| Self-Employed Business Persons/ Professionals| Nationality | Pakistani (resident) | Pakistani (resident) | Age criteria of the main applicant and co-borrower whose income is being clubbed (spouse only)| | Permanent employees Minimum age at the time of loan application should be 21 years. M aximum age at the time of loan maturity should be 60 years. Contractual employees Minimum age at the time of loan application should be 21 years. Maximum age at the time of loan maturity should be 55 years | Minimum age at the time of loan application should be 21 years.Maximum age at the time of loan maturity should be 65 years. | | Length of Employment| | Permanent employees Minimum 1 year experience; 6 months experience with confirmed employment status in the current job. Contractual employees Minimum 2 years work experience. Third party contractual not eligible. | Minimum 2 years experience in personal business| | | Documentation:| Salaried Individuals| | * CNIC copy * 2 passport size photographs * Letter from employer * 2 latest salary slips or salary certificate * Bank statement for last 6 months and bank letter confirming details of account * Copies of property documents| | Self-Employed Business Persons/ Professionals| CNIC copy * 2 passport size photographs * Proprietorship : Bank Certificate / Latest Tax Assessment Order * Latest one year bank statement * Partnership Deed * Registered Form C * Memorandum, Article of association and registered Form 29 A (applies to company directors) * Copies of property documentsSchedule of bank charges: Application processing charges (including 16% FED)| Rs. 7,000/- (non-refundable)| Early settlement charges | 4. 7% of outstanding principal | Partial payment charges | 4. 7% of adjusted principal | Late payment charges | Rs. 700 (for each late payment) | Property evaluation fee | Actual cost plus 16% FED to be recovered | Legal fee | Actual cost plus 16% FED to be recovered | | HBL INVESTMENT BANKING: HBL offers full-service Investment Banking capabilities to its clientele. This year alone, HBL has closed over thirty transactions with a cumulative worth of over USD 2 billion. This is a testament to the out-of-box thinking and the innovative products we bring to our customers.The Investment Banking Group functions in t hree specialist business areas: Project Finance, Debt Capital Markets & Syndications and Equity Capital Markets & Advisory. Project finance: The bulk of HBL’s project finance practice revolves around the power sector. Prior to the power policy of 2002, HBL actively pioneered Project Finance in Pakistan through the funding of a gas-fired co-generation plant (94 Megawatts of power and desalination of 3 million gallons per day). Subsequent to the 2002 power policy, HBL continues to play a fervent role in the sector and is the only Investment Bank that was Lead Advisor to all IPP transactions that achieved financial close.In the fertilizer sector, HBL financed the largest local currency financing in Pakistan, worth PKR 23 billion, as well as a green field venture in the telecom sector worth PKR 12 billion. Debt Capital Markets & Syndications: Depending on the requirements of its customers, HBL offers a variety of products, including syndications, securitizations, privately placed and listed TFCs, term finance facilities, commercial papers, etc. HBL played the lead role in a number of significant debt transactions, including PKR 15. 14 billion TFC issue (the largest privately placed issue in Pakistan), the first bond offering for any microfinance institution in all of Asia, credit enhancement for a rapidly growing company in the consumer durables sector and numerous tier-2 capital transactions for commercial banks. Equity & Advisory:HBL offers a breadth of equity and advisory products including innovative capital raising techniques, restructurings, public and private equity placements and mergers & acquisitions. The HBL team played a pivotal role across several sectors, including energy, agriculture, consumer products, fertilizers, etc. , for raising various forms of equity and quasi-equity. Recently, HBL structured a convertible debt note with a built-in Put feature for a US-based provider of agriculture technology and dairy solutions – a first of it s kind transaction in Pakistan. HBL also provides valuation for a company in the food and beverages sector. HBL ZaraiBanking:HBL ZaraiBanking facilities are spread across the country and provide financing through more than 800 of our branches. HBL’s presence in all agriculture belts of the country ensures easy access to farmers in rural areas. HBL ZaraiBanking provides loans to small-scale land owning farmers as well as large institutionalized and alliance based finance, enhancing agricultural harvest and, in turn, economic output of the country. Products: HBL ZaraiBanking enables farmers to invest in premier quality seeds, fertilizers, pesticides, agricultural implements and non-farm setups through its various product programs. Crop Inputs: Crop specific finance for purchase of Agri inputs such as seed, fertilizer, pesticide and other related inputs. Farm Implements:Finance available for purchase of farm implements & machinery like combined harvester, sprayers, ploughs, tube wells and other crop-related tools/implements. Tractors/Agricultural Vehicles: Finance available to individual farmers, self-employed tractor operators, providing the option to select vehicles from a range of different manufacturers. Livestock: Finance available for feed, medicines, raw material, raising charges and other related activities. Poultry: Finance available for all poultry related activities including poultry farm construction/equipment, hatchery plant & machinery, poultry feed, poultry medicines, composite feed production, poultry processing and other related activities. Fish Farming: Finance available for inland fish farms as well as deep-sea fishing.This includes procurement of boat, fish locating equipment, nets & ropes, ice maker, fish farm water solution, hatchery construction/equipment, purchase of medicines / feed and other related activities. Group Lending: Joint finance facility for a group of farmers with small land holdings for working capital requirement. MC B Islamic banking Islamic Banking Division was formed with effect from 1st January 2003, which in a short span of time, has developed sufficient expertise, necessary infrastructure, information technology, and manpower to run Islamic Banking Operations and offer Islamic Banking Products. Mission statement: To play a dynamic role in promotion of Islamic Banking and win customers trust by providing sharia compliant financial services. Vision:To become a leader among Islamic Banks of the country in the coming years capturing major share of the domestic Islamic financial market. Al-Makhraj Saving Account: The minimum deposit requirement for Al-Makhraj Saving Account is only Rs. 5000 and profits can be earned 6-monthly. Other features associated with this product are as follows: Minimum Initial Deposit: Rs. 5000 Islamic Tools used in designing the product: Mudaraba/ Musharaka Product to be availed by: Individuals & Joint Account Holders (Local) Companies, Corporate, Trusts, etc Special A dvantages: For Customer = Bi-Annual Profit Payment; Withdrawal Facility Shariah = Meets requirements for Shariah Compliance Additional Features: | * Personalized Cheque books| * Withdrawal Facility from ATM/ Debit Card| | * Online deposit as per bank's policy| | * Virtual Banking| | * Call Centers Facilities| | * 6-monthly profit payment on the basis of monthly declared rates| | * Issuance of duplicate statement of account (as per SOBC)| | * Free bank balance certificates (once in 6 months)| | * Taking stop payment/ hold mail/ standing instructions| | * No penalty if balance falls below minimum level. | | * Personal financial consultancy services (regarding Shariah Compliant products)| | * Utility bill payment via ATM card| | * Choice of statement frequency (as per Schedule of Charges)| IANAT Account:For customers who are looking for a chequing account that gives them the ease of doing unrestricted number of transactions, we offer Al-Makhraj Ianat Account. With a minimum of only Rs. 10,000, Ianat Account may be opened. With all the features and facilities that this product offers, it is highly recommended for management of business funds. Details of the product are as follows:| | 1| Minimum Initial Deposit: Rs. 10,000| 2| Product to be availed by: Individuals ; Joint Account Holders (Local), Companies, Corporate, Trusts, etc| 3| Additional Features: | | A| Personalized Cheque books| | B| Withdrawal Facility from ATM/ Debit Card| | C| Online deposit as per bank's policy| D| Debit card; Utilities payment via ATM card| | E| Virtual Banking| | F| Call center facilities| | G| Free bank balance certificates (once in 6 months)|   | H| Taking stop payment/ hold mail/ standing instructions|   | I| Issuance of duplicate statement of account (as per Schedule of Charges)|   | J| Choice of statement frequency (as per Schedule of Charges)|   | K| No penalty if balance falls below minimum level. | 4| Banking Network: IBD's Branch only| | Al Makhraj Term Deposit: A mi nimum of Rs. 25,000 is required for investment in Al-Makhraj Term Deposit. Choice of tenors can be made from a list of options namely 1, 3 ; 6 months, 1 or 2years.Profit payment options available to customers are monthly, quarterly and/ or at maturity. Details of the product are as follows: * Minimum Deposit: Rs. 25,000| * Islamic Tools used in designing the product: Mudaraba/ Musharaka| * Tenors Available:1 mth, 3 mth, 6 mth, 1 yr or 2 yrs | * Product to be availed by: Individuals ; Joint Account Holders (Local), Companies, Corporate, Trusts, etc| * Special Advantages: | | * For Customers = Profit Payment Options customized to suit needs of customers; Minimum Deposit requirement’s lower than most banks so it is more accessible/ affordable for people | | * Shariah = Meets requirements for Shariah Compliance | | * Additional Features: | | * Call center facilities| * Taking hold mail/ standing instructions for profit payments etc| | * Personal financial consultancy services (re garding Shariah Compliant products)| Profit Sharing Ratio on Al-Makhraj Account: Profit Sharing Ratio on Al-Makhraj Riba-Free Savings ; Term Deposit   Accounts is: Rabbul Maal (Depositor)|   Ã‚  70%| Mudarib (Bank)|   Ã‚  30%| MCB offers 3 broad Islamic fund based facilities: * Ijarah * Mudarabah * Diminishing Musharika Equipment Ijarah: MCB’s Islamic Ijarah, analogous to the English term ‘leasing’, is based on the ‘Ijarah wa Iqtina’ concept which means the sale of the asset to the lessee (customer) after the Ijarah has matured. Under this scheme, MCB will be the owner of the asset, and you (lessee) will be given the asset to use

Ben Carson Essay

English 52 3:00pm class Faith Ben Carson today is a neurosurgeon that once was just a young black kid from the ghetto with no knowledge of anything the world. Today he is one of the most inspiring person in the world, he was the first neurosurgeon to separate conjoined twins from the head, without bleeding to death. He had no dad, and a mom with psychiatric problems. He faced a hard teenage and childhood, in his life he faced problems from racism, anger management, and poverty. This book shows us how having faith with no fear of the unknown, this book ould lead anyone to have a successful spiritual life and career. His faith led him to go through all the struggles and come out successful. Ben Carson had different experiences throughout his childhood, and having faith led him to go through struggles. When he was just a boy, his father left him, his brother, and mother, because of another family he had. As a child Ben tried to figure out why his father had left them for another family, Ben used church as a way to escape his problems.He began to really have faith, when he heard the preacher talk about a missionary doctor; from then on, his faith set him on a path to become a doctor. There also came a time where his faith was put to the test. At 14 years old he struggled with a bad temper. All the hate he felt from his dad leaving him was in his heart, and he had never let it go. One day at school, he sat listening to classical music when one of his friends made fun of him and was going to change the music.Carson, with all the hate he had, he pulled out a pocket knife he had bought and aimed for his stomach, he hit his friend’s belt buckle. He ran home and thought to himself he was crazy. He got home and locked himself in the bathroom and prayed to God to take his temper away and he prayed and sang, â€Å"Jesus is All the World to Me. † From then on his faith only became stronger, and whenever he felt anything negative, going back to this moment made him feel better. God gave him a second chance to life and make more of it. From then on, he knew he was going to be an instrument of God to save people.When he went on a job for the university to recruit students with his current wife, he almost had an accident while falling asleep on the wheel; he felt relieved and thanked God for helping and giving him yet another chance to life. His struggle through Yale University, when he couldn’t find a job, his faith and willingness helped him find one. Even in his junior year, when he had no money, he walked through the university, thinking and asking God how he was going to make it through, and, just like that, he found 10 dollars in the ground. He knew God was guiding him through and watching over him.In another school year, when he also went through rough economic times, he then again walked through his campus to see if he would find money again, but, no luck, his university did a test of honesty and said that all of the test the c lass had taken, had been burned in a fire his whole class, there were notices posted some of the students just said, that they will just say they did not see the post. Carson was the only one left and the teacher and a photographer came to take the picture of the only honest student in class and right then and there the teacher handed him a 10 dollar bill.As he grew older and became a doctor during surgeries and he felt lost his faith helped him and believed God would guide his hands and even though he did have times, he failed, his surgeries he had faith, that made him strong to overcome it. At the end without faith he wouldn’t be where he is at today. In my life, without faith I wouldn’t be where I am right now. Ever since I read this book, it has inspired my faith in a spiritual and professional way. I have gone to church more often and found the peace I was looking for.I no longer have temper issues, either. I have been more successful in my job and will soon be ge tting another job. I have been dedicated more, and I don’t make sudden decisions, which only benefits me. My faith has also made me outgoing in my career. I never give up finding a solution to a problem. There’s a saying that says â€Å"faith can move mountains. † I believe that Ben Carson is a perfect example of this, and it’s an example that I am following step by step in school and work. When I feel frustrated and ngry, I let my faith intervene and help me get through my own struggles, My marriage has also gotten much better. I have set my life goals based on this book and I know I could achieve them. There is a saying that says faith is the last to die, and that’s the difference between hope and faith. I believe those who hope wait around for things to come out good or wait for things to be handed to them are the ones who never step to the world of the unknown because of fear and like of faith. But with faith you have to put in your work and no t give up on your goals.Ben Carson made it from the ghetto to being a successful, respected Neurosurgeon; because of his faith, he never once stopped believing in himself. His mom’s faith in him also helped; she knew he was going to be special. I believe we all have our destiny this life and that God has set a path for us, our choices, decisions and faith are the ones that decide our path. I will follow my own path just as Ben Carson did; I do not where it will take me, but I know that faith will keep me on the right path. Because faith is the last thing to die.

Branding for Starbucks Essay Example | Topics and Well Written Essays - 750 words

Branding for Starbucks - Essay Example The need is to comprehend how Starbucks can reflect a positive demeanor about its own self and how this shall happen within the related settings, as are available to Starbucks at the present. Since I am heading the brand development concerns at Starbucks, I will make sure that the values upon which Starbucks was initially formed are adhered to at all times, and that there are no exceptions to this ideology under any circumstance or situation that arises whatsoever (Marques, 2008). I will ensure that its values are clearly spelled out to its employees, located all over the world so that their attitudes and actions are in line with what the business expects of them. Also, these will be communicated to the customers globally since Starbucks’ management regimes will keep on telling the world through their actions and behaviors. When these values will be communicated, a sense of optimism shall come about with Starbucks which remains a significant proposition, and more so within the changing dynamics of the business world today. The core messages that shall be sent from the realms of Starbucks remain strongly attached to its philosophy of coming about with something solid for the sake of the company. This means that the selling propositions will be based on what Starbucks is offering all over the world as a whole and the different regions in meticulous. It will give a good idea as to what the Starbucks’ customers can expect in the form of end user satisfaction (Rippin, 2007).

Alienation from Species-being Term Paper Example | Topics and Well Written Essays - 250 words

Alienation from Species-being - Term Paper Example He revealed that past human actions resulted in today’s independent and natural society (M Josephson, 1968). He also showed that the human actions are also responsible for shaping tension free future. According to him alienation is not embedded in the religion and minds instead it is embedded in this materialistic world. To him alienation means loss of control especially over labour. Like all other creatures, Humans need to work for their survival in this world. Marx gave us four elements of alienation and species being is one of that. Labour produces poverty for workers but it is miracle for rich people. The capitalism has submerged the ability to work collectively and created the class division. For gaining profit we are deliberately destroying our nature for example the cheapest techniques of production results in acid rain which is harmful for ozone layer. In the same way when capitalist increases his production to gain profit he is unconsciously lowering the rate of profi t for his class. In this race the production is more than demanded and as a result the workers were in loss. The product is owned by capitalist that’s why workers are alienated from the product they manufactured (H Braverman, 1974).

CEO Project-EXXON Mobil Research Paper Example | Topics and Well Written Essays - 500 words

CEO Project-EXXON Mobil - Research Paper Example anagement strategic positioning or decision will be single handedly implemented to ensure the petroleum company to continue to shine and outperform in the oil sector. The four implementation programs will be aligned to protect the vast shareholders’ interests by ensuring profitability in its subsequent financial years, meet the ever changing customer preference in an innovative and responsive manner that continuously meets target market customers’ needs, bud an aggressive high qualified employee workforce that conforms to the global standards and finally run environmentally safe business that protects community interest. Financial program implementation will take the initiative of finance department restructuring to create financial policies that are able to cater for the per barrel cost that eat into the annual profits, increase the company’s liquidity and mitigate any financial risks that are associated with poor disaster relief methods. The major activity will entail the financial management and team is effectively trained to embrace the newer technology in management of the financial systems that provide good results. Exxon Mobil has the funds to facilitate technological systems that streamline the processing of the oil to meet customers’ specifications and hence make more profit for the company (Rea, 2015). The financial strategy will be communicated to the shareholders for purposes of accountability. Customer programs main objective is to meet customer needs. This is outright from the Exxon Mobil mission and objective which is to be the preferred world’s premier petroleum and petrochemical company. This particular clause envisions a company that has its priority in developing products that satisfies the diversified customer base, for instance, the introduction of SCAN fining process that eliminates sulfur which is deadly to automobile engines. ExxonMobil has adopted an implementation strategy that makes use of its existing employee base of

Clinical Care Classification System Essay Example | Topics and Well Written Essays - 2000 words

Clinical Care Classification System - Essay Example Through care, management programs are new systems that respond to the problems associated with the health sector. The mechanisms of the IMA and the Insight Plus have been implemented towards the establishment of better medical aid. Some failure and successes are evident through the undertakings. Medical informatics requires relevant vocabularies in order to support the best application within the existent medical standards. The medical informatics tends to describe the required standards to the international users and other personalities within the fields that utilize similar standards. The adoption process have been relatively slow given that for the past years since implementation, the system development has encountered difficulties attempting to meet the international scale needs. According to Cimino (1998), the looming question over the terms added to the vocabulary has been-‘why don’t it have what I want it to say?’ This correspondingly implies that the addition of more terms that meets the requirement of most people must be implemented for the system to work efficiently. Through implementing the list within the desiderata, there are possibilities of establishing controlled vocabularies sharable and reusable. Several aspects tend to hinder the task of listing the desiderata for the controlled vocabularies. Firstly, the desired characteristics of the vocabulary must be multipurpose in nature, and there are multiple intended purposes. The desired characteristics targeted by the listing range from: capturing clinical findings, the natural language processing, medical indexing records, indexing medical literature and representing medical knowledge (Cimmo, 1998). Aside from the above-mentioned problems in summarizing desiderata, differentiating opinions and putting them together is a major problem relative to the listings. According to Cimmo in his article ‘Desiderata for Controlled Medical Vocabularies in the twenty-First

The experience of inactive nurses returned to nursing after completing Essay

The experience of inactive nurses returned to nursing after completing a refresher course by Hammer and Craig - Essay Example The focus of the study was to highlight the experiences of nurses In Midwestern University who were returning to active service after completing independent refresher courses between the years 2000 and 2005 (Hammer and Craig, 2008). Generally, the primary purpose of the phenomenological research was to identify some of the experiences usually encountered by previously inactive nurses taking refresher courses before returning to active nursing practice. Refresher courses is one of the evidenced best practice practices that are increasingly being used in the health care system to improve the performance of professionals particularly after being inactive in the service. The researchers have effectively employed the use of a systematic inquiry and well structured methods to address some of their research questions. This is particularly important because use of evidence based practice in nursing is widely based on the previous researches. This paper critically analyzes the appropriateness of the qualitative research design used as well as the feasibility and effectiveness of the research article. Feasibility and significance of the study With regard to the feasibility and effectiveness of the research, a number of previous publications have revealed a growing shortage of nurses in our health in various healthcare institutions. ... after undergoing refresher courses is significantly important because it will provide more insight into some of the ways of mitigating the current shortage of nurses. For instance the described experiences of inactive nurses who are returning to practice can effectively be used in evidence based practice to help in the improve patient care in healthcare institutions. Appropriateness of the study design The research methodology used by the researchers has met most of the conditions necessary for research methodology congruence. For example some of the criteria adopted during the conduct of the research study included selecting participants who have successfully completed refresher courses and had been employed in active nursing for 6 month after completing the course, had time to participate in face to face interviews and were living round the research centers. In this regard, the criterion used in selecting the potential respondents not only ensured the effectiveness of the research but it also ensured that the researchers the prospective participants were best placed to effectively provide answers to some of the research questions. On the other hand, the use of face to face interviews provided the researchers with an opportunity to clarify any doubt to the participants and adapt the questions such as by rephrasing or repeating some questions. This is particularly necessary because it enables the researchers to ensure that the interview questions are well understood thereby improving the reliability of the responses. Additionally the use of face –to-face interviews also allowed the researchers to pick up nonverbal clues that may be unconsciously exhibited by the respondents. It is however worth noting that despite the effectiveness of this research method, face

History Essay Example | Topics and Well Written Essays - 500 words - 61

History - Essay Example While studying in Vassar College, Inez organized a meeting in a cemetery aimed at addressing the suffrage of women. This was the cause of her suspension from the college (Lumsden 120). As a feminist, Milholland played an instrumental role in the championing of women rights. She started the advocacy for women’s rights while still in college; during her final year in college, she organized a women suffrage meeting at a cemetery near the college. Under the leadership of Milholland, a club known as Vassar Votes for Women club organized numerous meeting in Vassar College. Her efforts to pressurize President Taylor to allow suffrage debate did not get the recognition. However, this intensified the debate on whether the college should allow meetings that would address women suffrage. As a result of the efforts by Inez, several professors supported women suffrage, and they expressed their desire to have a debate on women suffrage organized at the college. Consequently, the holding debates on women suffrage got acknowledged at the college (Lumsden 121). The other notable contribution that Milholland made, as feminist, included being a suffrage orator. She gained the reputation as one of the most dedicated suffrage orator since she managed to stop a campaign parade in New York, which President William Howard had attended. She also contributed immensely to the suffrage movement by helping in organizing a suffrage parade in 1913, which was staged, in Washington D. C. This suffrage movement organized in New York was referred as the â€Å"American Joan of Arc.† Her eloquence in public speaking saw her rise; she became a prominent feminist in the women suffrage movement (Lumsden 122). In 1916, Milholland worked tirelessly by organizing tours where she made visits to twelve suffrage states in the west of the United States. She advocated for the rights of women while working for the Congressional Union, which had the mandate of advocating

Discuss the impact of Christian Fundamentalism on American polotics Essay

Discuss the impact of Christian Fundamentalism on American polotics - Essay Example They are to be engaged with one another not only within the bond of civility but, much more importantly, within the bonds of the love of Christ. The truth of the gospel transcends our disagreements about all lesser truths. And it is by that truth that we are knit together in mutual dependence and accountability. By that truth, the church is enabled to be a zone of truth in a world of impassioned mendacities--not the least of all in the world of impassioned political mendacities. There was a time when political involvement by conservative Christians was seen as a worldly or even sinful activity, now, political celibacy, if you will, is considered a dereliction of Christian responsibility. This mega-shift in perception has not been a recent phenomenon but evolved with time. During late 19th century until 1920s, the influence of conservatives collapsed. However, after 1950s, it revived miraculously due to contemporary political situation and worked its way up to reach a stage today that most of battles in the world are being portrayed as the ones with the evil, and there seems to be public support for many such aggressions which have almost divided this world into "with us or not with us". Religion is the most dangerous energy source known to humankind. ... The history, worldwide, of religion-fueled hate, killing, and oppression is staggering." - Eugene Peterson (from the introduction to the book of Amos in the Bible paraphrase The Message) Within the span of one generation, between the 1890s and the 1930s, the extraordinary influence of evangelicalism in the public sphere of American culture collapsed. Not only did the cultural opinion makers desert evangelicalism, even many leaders of major Protestant denominations attempted to tone down the offenses to modern sensibilities of a Bible filled with miracles and a gospel that proclaimed human salvation from eternal damnation only through Christ's atoning work on the cross. Therefore, making the connections between faith and politics in the late 1970s was quite novel at the time and controversial among conservative Protestants, especially fundamentalists. It is often argued that fear of religious conservative culture and not loss of socio-economic status led to political organisation of Protestant Christians during 1960s and later. Another reason for their organisation was they were not getting their due recognition in affairs of the state. Another section points out that political activism was spearheaded by the development of so called unethical and immoral cultures in the society. What stirred religious conservatives most was a sense that Supreme Court decisions were giving power to the opponents of traditional Christian values. The Court banned state sponsored prayer and Bible reading in the schools (Engel v. Vitale, 1962), legalized abortion (Roe v. Wade, 1973), and allowed for more government regulation in private Christian schools (Lemon v. Kurtzman, 1971). As a result, they became engaged in

Subculture Personal Statement Example | Topics and Well Written Essays - 500 words

Subculture - Personal Statement Example I suppose that shocking way of dressing typical for those people who go against the system trying to prove independence and personal freedom. I do not life to waste time and efforts on shopping. Attitude to learning and friendship reflects my subculture: I am a hardworking, persistent and diligent student. I like parties which is a part of my subculture. Regardless of the style and social backgrounds, parties' culture represents freedom from rules, structures, controls and lifestyles. I can define this subculture in terms of inner self and 'people like me'. I like pop music including Latino singers and jazz. These music trends reflect youth priorities on a day-to-day basis. They become an example for background and ethics, morals and way of behavior for millions of people. This subculture affects all aspects of culture in a positive and negative way: how people dress, what music they listen to, and what they choose for entertainment. Another interesting part of my subculture is eating. I am a fast food eater. Eating is one of the most essential processes in our life which supplies our body with energy and mineral elements. Food determines different ways of living and personal culture of every person. I suppose that eating habits are more important than a trendy style or music you listen to. For most Americans, the good life means good food.

Tui Mod 6 Self Reflective Paper Essay Example for Free

Tui Mod 6 Self Reflective Paper Essay As I reflect back on the last two months I start to think of what I have learned while in OPM300, Introduction to Operations Management. In this essay I will discuss the following topics, what I learned the most in this class, something’s that I didn’t really catch on to and how I can improve. One important thing that I learned in this class is if you don’t have a good logistical support then your business can fail quickly. After spending numerous hours on research for Wal-Mart Stores I caught on to the fact that in order for that sore to be so successful the management has to know when to place its order for restock, stay on top of inventories and know when to get rid of a product that’s not selling. Without a good logistical support department Wal-Mart would surely fail. In Module 4 I didn’t not grasp the concepts you were describing on AON and AOA Network Conventions. I spent about an hour going through the slides and couldn’t grasp the process being displayed on the slides. Where these the answers to the previous slides concerning Pert and CPM? My research habits this past semester have been less than stellar. I would find my mouse clicking on topics that had nothing to do with what I was trying to research and instead of reading material on the topic that I was researching I found myself reading the news or sports. I am going to have to find a way to isolate myself and focus on the main topic and not get side tracked so easily. Over all I think that this was a great class. The material was all there and the Session Long Project helped me understand some of the Operational Management processes that happen inside a store that I would have never thought of before. References: 1. http://www.webhostingreport.com/learn/amazon.html 2. www.amazon.com

Primark Internal and External Analysis

Primark Internal and External Analysis There are lot of internal and external factors which may influence the performance of Primark. Over recent years, this topic has come up as the most asked question in Business and Economics lessons.   Specifically, is it ethical to buy low priced goods produced in poor countries?   My personal answer is an emphatic yes.   Its hard to see how our refusal to open some markets to free trade particularly in agriculture helps the worlds poor.   But the debate seems to hinge on the rights, conditions and dignity of the producers.   For this reason, retailers like Primark (who like Tesco find themselves on the front line of this debate because of their public profile) seek to anxiously protect their reputations as ethical employers.   Recently Primark has fired three Indian suppliers because they used child labour to finish goods. The suppliers sub-contracted smaller firms, which were using child labour to carry out embroidery and sequin work. A Panorama special on Primark will be broadcast on BBC1 at 9pm on 23 June: during their six-month investigation, the BBC uncovered the evidence which they passed to Primark. The information provided by the BBC enabled us to identify that illegal sub-contracting had been taking place and to take action accordingly à ¢Ã¢â€š ¬Ã‚ ¦ the sub-contracting involved home working and in some instances children were also found to be working at home.   We take this lapse in standards very seriously indeed. Under no circumstances would Primark ever knowingly permit such activities, whether directly through its suppliers or through third party sub-contractors. According to Primark, the garments affected accounted for 0.04% of the retailers worldwide sourcing. It currently has more than 170 stores and made a  £200m profit in 2007 on total sales of more than  £1.6bn. Primark: An Overview Primark Stores Limited is an Irish clothing retailer. Its stores are located in various regions like United Kingdom, Ireland, and Spain. Within this area of responsibility, Primark stores outnumbered other clothing retailer business, with one hundred sixty one stores overall distributed in three major regions: one hundred twenty-five in the United Kingdom, thirty-four in Ireland and eight in Spain. The company positions itself as marketing fashionable at cutthroat prices.   The original clothing store was established by Arthur Ryan and his collaborator Micaela Mitchell in Dublin Ireland in 1969. After various success in clothing business, great profits and gross income led them to open stores in local and regional areas. It acquired various premises in different business centers within its local and regional areas which eventually generate more profits and income. Primark is known for selling clothes at the budget end of the market. Its success is based on sourcing supply, making clothes with simple designs and fabrics and targets young, fashion-conscious individuals ages 35 below, offering them simple yet high quality clothes and apparels. Hence, these successes brought significant changes on Primarks retail business. The relevance of global trends and consumers demands on lifestyle made Primark Store Limited reinvent its business scheme and management structure. Primarks management and business structure As a famous clothing retail store, recently, Primark embarks in different retail products not only restricted on manufacturing clothes but also other related products such as apparels and accessories available to all human sizes. Primark employs simple managerial operation on its stores structure. Each store has its own manager responsible in overseeing the status and business operations. With managers inherent authority, they are given the power and control to manage the store within his/her point of responsibility. Moreover, in smaller or larger branches, assistant and deputy managers are assigned to control and manage the store. Within the store, there are different subdivided departments in which a manager is assigned like senior department managers and junior department managers who are in charge for individual departments. Moreover, under management, there are supervisors in charge of staff on a sales floor, on different departments like stock room staff, customer service staff, customer service desk, cashiers who work on the tills, cash office staff and staff responsible to look after fitting rooms. This management and business structure posits a simple way of managing human labour force, however, simple it may seem, yet inevitably creates serious problems and issues if and when proper assessment of the structure will be undervalued. Analysis on the internal and external environment of Primark retail industry The Primark clothing retail industry is a member of Ethical Trading Initiative, a collaborative forum bringing together businesses to work on labour rights issues in their supply chains. In fact, Primark developed ethical strategy in order to promote labour rights issues within its organization. Certain guidelines and code of conduct must be defined in relation to the ethical implications of work to human labour rights. Primark, initiated and defined its ethical trade strategy in 2006, focusing on assessment of employees working conditions, factories operations concerns and addressed necessary improvement. Primarks annual report of activity should be passed to the Ethical Trading Initiative Board. Moreover, Primark stands to a principle that shared learning and collaboration is one of the most successful ways to achieve sustained positive progression with its suppliers factories. However, climate change within and outside Primarks environment changes as it faces the challenges posed by the global business market. Using PESTLE and SWOT analysis, let us examine the ins and outs environment of Primarks retail clothing industry. The PESTLE analysis allows us to examine the external factors affecting the environment of an organization while SWOT analysis aids us to assess organizations internal strengths and weaknesses and further identify threats and opportunities external to its environment. Hence, these methods are helpful for us to understand and underline positive and negative factors affecting the external and internal environment of an organization like Primark. In assessing the political, social, and economic factors external to the environment of Primark, we must consider different issues. Primarks business operations are subject to government policies and regulations. The business firm should conform to the set of policies and regulations stipulated and enforced by the government and policy making body while conforming to the set of regulations and policies, the firm should assume social responsibility as demanded by the global consciousness. Nowadays, business sectors no longer busied themselves to produce bonds of profits and income but deeply involved in social programs to promote social awareness and equality. Cultural and social behaviors of different consumers are important to consider when establishing or venturing business in the global landscape. Furthermore, economic, environment, laws, and technology are inseparable entities in which influence the business operations. The economic stability of certain region can contribute allot to the business condition of certain firm, like Primark. Technology on the other hand, brought a tremendous effect to the status and development of business operations and marketing programs. It generates new trends in a rapid movement, which if organizations are unaware will impede growth and development. Hence, Primarks must constantly assess its strategy with consideration to its PESTLE as external factors that in one way or the other affects its internal and business operations. Assessing the strengths, weaknesses, opportunities, and threats of Primark, we go back to its established management or business structure. The need for re-tracking the management or business structure is important in analyzing its SWOT. As to my knowledge upon my encounter with Primarks business operations, its strengths are gained in its simple, systematic and organized business structure, having assigned proper authorities to proper positions. Moreover, its recognition for valuing high quality of products and quality services with its customers garnered more strength to attract more people. On the other hand, Primarks weaknesses can be found in its way of managing people. Although, Primark is a member of Ethical Trade Initiative, study shows given different negative issues concerning its business operations and transactions like child labour, purports less value on ethical matters. Different issues were attacking Primark concerning exploitation and abuse on labour force, other env ironmental concerns, poor working conditions, and disvaluing workers rights. Primark in different surveys was labelled as a fashion industry with oppressive regime. The primacy of autocratic and rigidity on standard structures can be a weakness as well as threats to the life of the company. Since, it goes globally, opportunities are in wide array not only on the part of venturing into regions with much income and profit to gain but also an opportunity to share and provide quality products to fashion-conscious people with vogue to fashion lifestyle. Conclusion Given this analysis we come to realize that each organization has its own external and internal problems to handle. The process in which we enable to identify and analyze such problems is by using proper management method of analysis like SWOT and PESTLE. The importance of these methods is squared to the importance of the business itself. No.2: discuss the various business strategies that firms can implement to take Advantage of different markets or trading blocks? For this purpose Porter has proposed his generic strategies which are the best to implement, in my point of view, to take advantage of different markets. These strategies are given as below. Segmentation strategy Differentiation strategy Cost leadership strategy Michael Porter has described a category scheme consisting of three general types of strategies that are commonly used by businesses to achieve and maintain competitive advantage. These three generic strategies are defined along two dimensions: strategic scope and strategic strength. Strategic scope is a demand-side dimension (Porter was originally an engineer, then an economist before he specialized in strategy) and looks at the size and composition of the market you intend to target. Strategic strength is a supply-side dimension and looks at the strength or core competency of the firm. In particular he identified two competencies that he felt were most important: product differentiation and product cost (efficiency). He originally ranked each of the three dimensions (level of differentiation, relative product cost, and scope of target market) as either low, medium, or high, and juxtaposed them in a three dimensional matrix. That is, the category scheme was displayed as a 3 by 3 by 3 cube. But most of the 27 combinations were not viable. Porters Generic Strategies In his 1980 classic Competitive Strategy: Techniques for Analyzing Industries and Competitors, Porter simplifies the scheme by reducing it down to the three best strategies. They are cost leadership, differentiation, and market segmentation (or focus). Market segmentation is narrow in scope while both cost leadership and differentiation are relatively broad in market scope. Cost leadership strategy This strategy involves the firm winning market share by appealing to cost-conscious or price-sensitive customers. This is achieved by having the lowest prices in the target market segment, or at least the lowest price to value ratio (price compared to what customers receive). To succeed at offering the lowest price while still achieving profitability and a high return on investment, the firm must be able to operate at a lower cost than its rivals. There are three main ways to achieve this. The first approach is achieving a high asset turnover. In service industries, this may mean for example a restaurant that turns tables around very quickly, or an airline that turns around flights very fast. In manufacturing, it will involve production of high volumes of output. These approaches mean fixed costs are spread over a larger number of units of the product or service, resulting in a lower unit cost, i.e the firm hopes to take advantage of economies of scale and experience curve effects. For industrial firms, mass production becomes both a strategy and an end in itself. Higher levels of output both require and result in high market share, and create an entry barrier to potential competitors, who may be unable to achieve the scale necessary to match the firms low costs and prices. The second dimension is achieving low direct and indirect operating costs. This is achieved by offering high volumes of standardized products, offering basic no-frills products and limiting customization and personalization of service. Production costs are kept low by using fewer components, using standard components, and limiting the number of models produced to ensure larger production runs. Overheads are kept low by paying low wages, locating premises in low rent areas, establishing a cost-conscious culture, etc. Maintaining this strategy requires a continuous search for cost reductions in all aspects of the business. This will include outsourcing, controlling production costs, increasing asset capacity utilization, and minimizing other costs including distribution, RD and advertising. The associated distribution strategy is to obtain the most extensive distribution possible. Promotional strategy often involves trying to make a virtue out of low cost product features. A cost leadership strategy may have the disadvantage of lower customer loyalty, as price-sensitive customers will switch once a lower-priced substitute is available. A reputation as a cost leader may also result in a reputation for low quality, which may make it difficult for a firm to rebrand itself or its products if it chooses to shift to a differentiation strategy in future Differentiation strategy Differentiation is aimed at the broad market that involves the creation of a product or services that is perceived throughout its industry as unique. The company or business unit may then charge a premium for its product. This specialty can be associated with design, brand image, technology, features, dealers, network, or customers service. Differentiation is a viable strategy for earning above average returns in a specific business because the resulting brand loyalty lowers customers sensitivity to price. Increased costs can usually be passed on to the buyers. Buyers loyalty can also serve as an entry barrier-new firms must develop their own distinctive competence to differentiate their products in some way in order to compete successfully. Examples of the successful use of a differentiation strategy are Hero Honda, Asian Paints, HLL, Nike athletic shoes, Perstorp Byproducts, Apple Computer, and Mercedes-Benz automobiles. A differentiation strategy is appropriate where the target customer segment is not price-sensitive, the market is competitive or saturated, customers have very specific needs which are possibly under-served, and the firm has unique resources and capabilities which enable it to satisfy these needs in ways that are difficult to copy. These could include patents or other Intellectual Property (IP), unique technical expertise (e.g. Apples design skills or Pixars animation prowess), talented personnel (e.g. a sports teams star players or a brokerage firms star traders), or innovative processes. Successful brand management also results in perceived uniqueness even when the physical product is the same as competitors. This way, Chiquita was able to brand bananas, Starbucks could brand coffee, and Nike could brand sneakers. Fashion brands rely heavily on this form of image differentiation. Some research does suggest that a differentiation strategy is more likely to generate higher profits than is a low cost strategy because differentiation creates a better entry barrier. A low-cost strategy is more likely, however, to generate increases in market share. This however, may result from a limited understanding of profits. Differentiation strategies are indeed likely to result in higher gross and net profit margins due to the pricing power created by perceived uniqueness and high customer satisfaction. However, these higher prices will also likely result in lower sales volumes and lower asset turnovers. As such, the effects on Returns on Capital are likely to be neutral. As illustrated in the Dupont ratio therefore, a firm can achieve high profitability and Returns on Capital by being either a successful differentiator (with high margins and low volumes) or a successful cost leader (with low margins and high volumes). One strategy is not necessarily more profitable than the other. Variants on the Differentiation Strategy The shareholder value model holds that the timing of the use of specialized knowledge can create a differentiation advantage as long as the knowledge remains unique. This model suggests that customers buy products or services from an organization to have access to its unique knowledge. The advantage is static, rather than dynamic, because the purchase is a one-time event. The unlimited resources model utilizes a large base of resources that allows an organization to outlast competitors by practicing a differentiation strategy. An organization with greater resources can manage risk and sustain losses more easily than one with fewer resources. This deep-pocket strategy provides a short-term advantage only. If a firm lacks the capacity for continual innovation, it will not sustain its competitive position is over time. Criticisms of generic strategies Several commentators have questioned the use of generic strategies claiming they lack specificity, lack flexibility, and are limiting. In particular, Miller (1992) questions the notion of being caught in the middle. He claims that there is a viable middle ground between strategies. Many companies, for example, have entered a market as a niche player and gradually expanded. According to Baden-Fuller and Stopford (1992) the most successful companies are the ones that can resolve what they call the dilemma of opposites. A popular post-Porter model was presented by W. Chan Kim and Renà ©e Mauborgne in their 1999 Harvard Business Review article Creating New Market Space. In this article they described a value innovation model in which companies must look outside their present paradigms to find new value propositions. Their approach fundamentally goes against Porters concept that a firm must focus either on cost leadership or on differentiation. They later went on to publish their ideas in the book Blue Ocean Strategy. Q.No.3: analyse how the firms and industries are benefitted by globalization and the role technology has played? Globalization, since World War II, is largely the result of planning by politicians to break down borders hampering trade to increase prosperity and interdependence thereby decreasing the chance of future war. Their work led to the Bretton Woods conference, an agreement by the worlds leading politicians to lay down the framework for international commerce and finance, and the founding of several international institutions intended to oversee the processes of globalization. These institutions include the International Bank for Reconstruction and Development (the World Bank), and the International Monetary Fund. Globalization has been facilitated by advances in technology which have reduced the costs of trade, and trade negotiation rounds, originally under the auspices of the General Agreement on Tariffs and Trade (GATT), which led to a series of agreements to remove restrictions on free trade. Since World War II, barriers to international trade have been considerably lowered through international agreements   GATT. Particular initiatives carried out as a result of GATT and the World Trade Organization (WTO), for which GATT is the foundation, have included: Promotion of free trade: elimination of tariffs; creation of free trade zones with small or no tariffs Reduced transportation costs, especially resulting from development of containerization for ocean shipping. Reduction or elimination of capital controls Reduction, elimination, or harmonization of subsidies for local businesses Creation of subsidies for global corporations Harmonization of intellectual property laws across the majority of states, with more restrictions Supranational recognition of intellectual property restrictions (e.g. patents granted by China would be recognized in the United States) Cultural globalization, driven by communication technology and the worldwide marketing of Western cultural industries, was understood at first as a process of homogenization, as the global domination of American culture at the expense of traditional diversity. However, a contrasting trend soon became evident in the emergence of movements protesting against globalization and giving new momentum to the defense of local uniqueness, individuality, and identity, but largely without success.[33] The Uruguay Round (1986 to 1994)[34] led to a treaty to create the WTO to mediate trade disputes and set up a uniform platform of trading. Other bilateral and multilateral trade agreements, including sections of Europes Maastricht Treaty and the North American Free Trade Agreement (NAFTA) have also been signed in pursuit of the goal of reducing tariffs and barriers to trade. World exports rose from 8.5% in 1970, to 16.2% of total gross world product in 2001 Advantages of Globalization Globalization means increasing the interdependence, connectivity and integration on a global level with respect to the social, cultural, political, technological, economic and ecological levels. People around the world are more connected to each other than ever before. Information and money flow quicker than ever. Products produced in one part of a country are available to the rest of the world. It is much easier for people to travel, communicate and do business internationally. This whole phenomenon has been called globalization. Spurred on in the past by merchants, explorers, colonialists and internationalists, globalization has in more recent times been increasing rapidly due to improvements in communications, information and transport technology. It has also been encouraged by trade liberalization and financial market deregulation.Globalization offers a higher standard of living for people in rich countries and is the only realistic route out of poverty for the worlds poor. Pro-g lobalization groups e.g. World Trade Organization and the World Economic Forum believe that globalization helps to reduce poverty and increase living standards as well as encourage a better cultural understanding. Also, due to globalization, there can be international co-operation to solve environmental and social problems. Technology has now created the possibility and even the likelihood of a global culture. The Internet, fax machines and satellites have swept away the old national cultural boundaries. Global entertainment companies now seem to shape the understandings and dreams of ordinary citizens, wherever they live. Globalization leads to better cultural understanding and tolerance. Because of improvements in travel, more and more people are traveling to different countries, thereby spreading their culture to other parts of the world. Advantages of Globalization We have moved from a world where the big eat the small to a world where the fast eat the slow, as observed by Klaus Schwab of the Davos World Economic Forum. All economic analysts must agree that the living standards of people have considerably improved through the market growth. With the development in technology and their introduction in the global markets, there is not only a steady increase in the demand for commodities but has also led to greater utilization. Investment sector is witnessing high infusions by more and more people connected to the worlds trade happenings with the help of computers. As per statistics, everyday more than $1.5 trillion is now swapped in the worlds currency markets and around one-fifth of products and services are generated per year are bought and sold. Buyers of products and services in all nations comprise one huge group who gain from world trade for reasons encompassing opportunity charge, comparative benefit, economical to purchase than to produce, trades guidelines, stable business and alterations in consumption and production. Compared to others, consumers are likely to profit less from globalization. Another factor which is often considered as a positive outcome of globalization is the lower inflation. This is because the market rivalry stops the businesses from increasing prices unless guaranteed by steady productivity. Technological advancement and productivity expansion are the other benefits of globalization because since 1970s growing international rivalry has triggered the industries to improvise increasingly. Goods and people are transported with more easiness and speed  the possibility of war between the developed countries decreases  free trade between countries increases  global mass media connects all the people in the world  as the cultural barriers reduce, the global village dream becomes more realistic  there is a propagation of democratic ideals  the interdependence of the nation-states increases  as the liquidity of capital increases, developed countries can invest in developing ones  the flexibility of corporations to operate across borders increases  the communication between the individuals and corporations in the world increases  environmental protection in developed countries increases   Effects of globalization Enhancement in the information flow between geographically remote locations The global common market has a freedom of exchange of goods and capital There is a broad access to a range of goods for consumers and companies  worldwide production markets emerge Free circulation of people of different nations leads to social benefits Global environmental problems like cross-boundary pollution, over fishing on oceans, climate changes are solved by discussions More transborder data flow using communication satellites, the Internet, wireless telephones etc. International criminal courts and international justice movements are launched The standards applied globally like patents, copyright laws and world trade agreements increase Corporate, national and sub national borrowers have a better access to external finance Worldwide financial markets emerge Multiculturalism spreads as there is individual access to cultural diversity. This diversity decreases due to hybridization or assimilation International travel and tourism increases Worldwide sporting events like the Olympic Games and the FIFA World Cup are held Enhancement in worldwide fads and pop culture Local consumer products are exported to other countries Immigration between countries increases Cross-cultural contacts grow and cultural diffusion takes place There is an increase in the desire to use foreign ideas and products, adopt new practices and technologies and be a part of world culture Free trade zones are formed having less or no tariffs Due to development of containerization for ocean shipping, the transportation costs are reduced Subsidies for local businesses decrease Capital controls reduce or vanquish There is supranational recognition of intellectual property restrictions i.e. patents authorized by one country are recognized in another Advantages of globalization in the developing world It is claimed that globalization increases the economic prosperity and opportunity in the developing world. The civil liberties are enhanced and there is a more efficient use of resources. All the countries involved in the free trade are at a profit. As a result, there are lower prices, more employment and a better standard of life in these developing nations. It is feared that some developing regions progress at the expense of other developed regions. However, such doubts are futile as globalization is a positive-sum chance in which the skills and technologies enable to increase the living standards throughout the world. Liberals look at globalization as an efficient tool to eliminate penury and allow the poor people a firm foothold in the global economy. In two decades from 1981 to 2001, the number of people surviving on $1 or less per day decreased from 1.5 billion to 1.1 billion. Simultaneously, the world population also increased. Thus, the percentage of such people decreased fr om 40% to 20% in such developing countries

Study Of Falls In The Elderly

Study Of Falls In The Elderly Aging is a normal phenomenon in all over the world so that the necessity of old age care is very important. WHO states that world countries have accepted the chronological age of 65 years as a definition of elderly. Nowadays, world is developing too fast I all the sectors especially in medical science and technology. It makes great differences in the life span and the quality of life of the people. The fastest population increase has been in the number of those aged 85 and over, the oldest old. In 1984, there were around 660,000 people in the UK aged 85 and over. Since then the numbers have more than doubled reaching 1.4 million in 2009. By 2034 the number of people aged 85 and over is projected to be 2.5 times larger than in 2009, reaching 3.5 million and accounting for 5 per cent of the total population. (Office of national statics 2010). Falls is one of the most common problems in old age. Elder people falls frequently and it can cause serious injuries such as fracture, dislocation and head injuries (Dr.Roberts A 1995). Falls represent the most frequent and serious type of accident in the over 65s. While improvements have been made in the care of hip fractures, the report reveals 37 per cent of people still arent receiving a falls assessment (AgeUK 2010). The work experiences in care home helped me to know about common problems of old age. I understand, falls is one of the common problems in old age. However, this study will helps me to explore about what are the causes of falls in the old age and how we can reduce and prevent the frequency of falls. Office of national statistics. http://www.statistics.gov.uk/cci/nugget.asp?id=949 WHO http://www.who.int/healthinfo/survey/ageingdefnolder/en/index.html AgeUK http://www.ageuk.org.uk/latest-press/archive/age-uk-responds-to-national-hip-fracture-database-national-report-2010/ SEARCH STRATEGY To find information about my independent study topic, I came across with much verity of articles and literature such as books, journals, eBooks, internet, databases etc. A plenty of databases I were searched, for example, EBSCO, PUBMEB,BMJ,CINHAL,BNI and Google web search and Google books also. University website helped me to locate and use the relevant databases more effortlessly. These databases helped me to search and study about my topic falls in the old age care. When I start searching about my topic, I found a huge amount of literature in my screen. To sort out the relevant information from the many articles I used the inclusion and exclusion methods and some keywords, that is the literature is not more than ten is years old and research nature, then I used some key words related to my topic such as falls in the old age, causes of falls, risk factors of falls and prevention of falls. When I start search in EBSCO, The search exposed few results with relevance to falls among the aged, some results on fractures, three on domestic injuries and deaths and review article on approach to falls and one on urgent situation management of falls. As a part of my study I visited many websites also they are AGE.UK, World Health Organisation (WHO) and office of national statistics. DEFINITION OF FALLS IN THE OLD AGE An event, which results in a person come to rest inadvertently on the ground or other lower level. Globally, an estimated 391 000 people died due to falls in 2002.World Health Organisation. World Health Organisation. http://www.who.int/violence_injury_prevention/other_injury/falls/en/index.html CLASSIFICATIONS OF FALL Rein Tideiksaar cited the work of Luckinen, et.al (1994). Falls is classified into mainly four groups. Extrinsic or environmental factors: It includes. Slips, trips or externally included displacements. Intrinsic factors Mobility or balance disorder or loss of consciousness Non-bipedal It includes person falls from the bed, chair or device. Non- identified or non classifiable. It includes fall cannot be identified or described by either a person or collateral damage. Reference Falling in old age : prevention and management (1997) By Rein Tideiksaar http://books.google.co.uk/books?id=426l9wOdfyACpg=PA140dq=classification+of+falls.lach+et+alhl=enei=-o3BTLWdDs2Usway-uDpCAsa=Xoi=book_resultct=resultresnum=3ved=0CDoQ6AEwAg#v=onepageqf=false R.B. Shukla, D. Brooks(1996) a guide to care of the Elderly. CAUSES OF FALLS IN THE OLD AGE Falls and unsteadiness of gait are major problems faced by the elderly. Accidental injuries and fatalities due to fall indicate substantial morbidity and mortality in the elderly. (B. Everett Gray,1990).Among all negative outcomes derived from elderly health conditions, falling is considered one of the main causes of functional impairment.( Arlete Maria Valente Coimbra and et al, 2009). Physical causes: Arthritis Parkinsons disease Foot problems Strokes Cardiac failure Mental causes : Depression Dementia Alzheimers disease Drugs and Medication: Sedatives Diuretics Hypotensive age Environmental factors: Hazards in the home (rugs, mats, loose carpets, poor lightings) weather conditions Age- related changes: Balance/gait General frailty Poor vision Poor mobility Non Accidental: Elderly abuse Criminal injury BOOK referred R.B. Shukla, D. Brooks(1996) A guide to care of the Elderly. R.B. Shukla(1999) Care of the elderly. Falls in the elderly of the Family Health Program (2009) Arlete Maria Valente Coimbra, Natalia Aquaroni Ricci, Ibsen Bellini Coimbro, LÄÂ ±lian Tereza Lavras Costallat, http://www.sciencedirect.com.ezproxy.uwe.ac.uk/science?_ob=MImg_imagekey=B6T4H-4YCGKNF-1-1_cdi=4975_user=122883_pii=S0167494310000245_origin=search_coverDate=12%2F31%2F2010_sk=999489996view=cwchp=dGLbVlb-zSkWAmd5=bb481983dd92110f0721752512e8a78fie=/sdarticle.pdf Slips, stumbles and falls: pedestrian footwear and surfaces By B. Everett Gray, ASTM Committee F13 on Safety and Traction for Footwear. http://books.google.co.uk/books?id=1LMK0x-eZiICpg=PA7dq=falls+in+the+elderlyhl=enei=YxbITMerK4qOjAeH_ehysa=Xoi=book_resultct=resultresnum=6ved=0CEQQ6AEwBQ#v=onepageq=falls%20in%20the%20elderlyf=false RISK FACTORS OF FALLS IN THE ELDERLY In 2007, 81% of fall deaths were among people 65 and older. Men are more likely to die from a fall. After adjusting for age, the fall fatality rate in 2007 was 46% higher for men than for women. (CDC). Risk factors for fall are categorized according to their origin as follows, age related changes, common pathologic changes and functional impairment, medication effects and environmental factors. (Miller.C, 2008). According to the 2007, WHO report on falls prevention in the old age, classified into four risk factors can cause fall, Behavioural risk factors Environmental risk factors Biological risk factors Socioeconomic risk factors Behavioural risk factors: Behavioural risk factors include human actions, emotions or daily choices. The main Behavioural risk factors are: Multiple medications Use Excess alcohol intake Lack of Exercise Inappropriate Footwear Environmental risk factors Environmental factors encapsulate the interplay of individuals physical conditions and the surrounding environment, including home hazards and hazardous features in public environment. It includes: Poor building design Slippery floors and stairs Looser rugs Insufficient lighting Cracked or uneven sidewalks Biological risk factors Biological factors embrace characteristics of individuals that are pertaining to the human body. For instance, age, gender and race are non-modifiable biological factors. The risk factors are: Age Genter Race Chronic illness Reduced physical, cognitive and affective funct Socioeconomic risk factors Socioeconomic risk factors are those related to influence social conditions and economic status of individuals as well as the capacity of the community to challenge them. It includes, Low income Inadequate housing Lack of social interactions Limited access to health and social service Lack of community resources Reference WHO, Global report on prevention of falls in the old age, (2007) http://www.who.int/ageing/publications/Falls_prevention7March.pdf http://books.google.co.uk/books?id=ms9o2dvfaQkCprintsec=frontcoverdq=WHo+Global+report+on+falls+Prevention+in+older+Agehl=enei=_rLKTPiRFMuNjAeZ5c3LDwsa=Xoi=book_resultct=resultresnum=1ved=0CCwQ6AEwAA#v=onepageqf=false CDC, Falls among Older Adults: An Overview http://www.cdc.gov/HomeandRecreationalSafety/Falls/adultfalls.html Nursing for wellness in older adults. Carol A. Miller(2008) p 465 http://books.google.co.uk/books?id=yUx01gmNLboCpg=PA465dq=risk+factors+of+fallshl=enei=M7zOTPr_C9jPjAfmjdXXBwsa=Xoi=book_resultct=resultresnum=2ved=0CDMQ6AEwAQ#v=onepageq=risk%20factors%20of%20fallsf=false COMPLICATIONS OF FALLS Complications results from falls are the leading cause of death from the injuries in men and women aged over sixty five years and older, with men older eighty five years and older having the highest death rate, more than 180 death in per 100000 population.(john.c.beck, 2004). Falls related mortality is a critical problem in the old population. While the majority of falls among old persons do not result death, falls experienced by this age group are a leading cause of mortality.(Tidekasaar,1997). Fractures of hip and lower extremities are more common and lead to prolonged disability because of impaired mobility. (Robert. K, 2004). The common complications of falls are: Painful soft tissue injuries Fractures : Hip Fractures : Femur Fractures : Humerus Fractures : Wrist Fractures : Ribs Fractures Subdural hematoma Hospitalization Complications of immobilisation Risk of iatrogenic diseases Infections and Inflammations Disabilities Impaired mobility because of physical injury Impaired mobility from fear, loss of self confidence and restriction Of ambulation. Risk of institutionalisation Death Essentials for clinical geriatrics, (Robert Kane, 2004) http://books.google.co.uk/books?id=zYgxA_XAM7QCprintsec=frontcoverdq=essentials+for+clinical+geriatrics,robert.l.+kanehl=enei=sgjITInvC4vQjAfkyuRosa=Xoi=book_resultct=resultresnum=1ved=0CDUQ6AEwAA#v=onepageq=complications%20of%20fallsf=false G R S, (Geriatric Review Syllabus), john.c.beck. http://books.google.co.uk/books?id=zjPf6bJt9RYCpg=PA149dq=complications+of+falling+in+the+elderlyhl=enei=kqDKTOXWIMWOjAeZvZDnDwsa=Xoi=book_resultct=resultresnum=9ved=0CF4Q6AEwCA#v=onepageq=complications%20of%20falling%20in%20the%20elderlyf=false PREVENTION OF FALLS IN THE ELDERLY Prevention of falls is crucial to the health of all older persons, including those without a history of falling, even older persons with no history of falls expresses fearful anticipation of falling. Such persons usually have an underlying gait dysfunction or imbalance problem that may lead to self imposed restriction of activities and mobility and may result in them being house bound or chair bound. Falls cannot be prevented unless the risk factors are identified (National guideline for prevention falls in older persons, 2000) Stephan.R (2007) cited the work of The Kellogg International working group (1987) on the prevention of falls in the elderly as defined as unintentionally coming to the ground or some lower level and other than as a consequences of sustain a violent blow, loss of consciousness, sudden onset of paralysis as in the stroke or an epileptic seizure. Considerable evidence now exists that most falls among older persons are associated with identifiable and modifiable risk factors and that targeted prevention efforts are shown to be cost-effective. Most falls and resulting injuries among older persons are shown to result from a combination of age and disease-related conditions and the individuals interaction with their social and physical environment (WHO,2008). Ebrahim S and A Kalache (1996) describes the causes and prevention of falls: Causes Prevention Uses of drugs Psychological factors Extrinsic factors Alcohol use Assistive devices Cognitive/behavioural/ Social programme Clinical assessment of risk .(Rai G 2006) Warn older person against self medication Rational prescribing of medication Assist disoriented person to take medication Use CNS drugs very carefully and cautiously. Counselling of older people with stress related disorders Provide divertional therapy Environmental factors must be accessed and corrected Ensure obstacles free environment Ensure adequate light and contrast Ensure No loose mat or slipping surface Provide night light Hand rails Advice on safe drinking pattern Review combination of alcohol with other drugs Provide appropriate walking aids Minimise restraint devices Balance and gait training Restore confidence Provide social contact Teach avoidance of risk taking behaviour to person or care giver. History and circumstances of falls Any loss of consciousness Any loss of movement or involuntary movement Any incontinence All prescribed and the over the counter medications Any recent acute and/or ongoing chronic medical problems Any previous problems with gait and balance Chest pain Palpitation Hearing problems Eye sight problems Memory loss Depression Habits relating to alcohol or recreational drugs.(Rai G 2006) The Global report of prevention of falls in the elderly (WHO, 2007) states that multi factorial approach is helpful to prevent falls in the community and elderly. The approaches are Balance and gait training with appropriate use of assistive devices; Environmental risk assessment and modification; Medication review and modification Managing visual problems Providing education and training Addressing foot and shoe problems Addressing orthostatic hypotension and other cardiovascular problems Multi factorial approaches are shown to be the most effect prevention strategy in residential settings. Components of successful multi factorial interventions include: staff training and guidance, changes in medication, resident education, environmental assessment and modification, supply and repair of aids, exercise, and use of hip protectors (WHO, 2007). Hip protectors (a plastic shield sewn into special underwear so that it lies over the greater trochanter) are known to absorb energy when a patient falls, thus reducing the incidence of hip fractures. They are especially beneficial in patients who live in nursing homes and residencial homes, who are very frail and hence have thin bones and prone to recurrent falls and fractures.( Shukla.R, 1999). References Falls in the older people: risk and strategies for prevention (2007). Stephen R. Lord, Catherine Sherrington, Hylton B. Menz http://books.google.co.uk/books?id=1enrvVe81YgCpg=PA21dq=prevention+of+falls+in+the+old+agehl=enei=XNXKTL7hH5SSjAeWqIjIDwsa=Xoi=book_resultct=resultresnum=4ved=0CEEQ6AEwAw#v=onepageq=prevention%20of%20falls%20in%20the%20old%20agef=false WHO, Global report on prevention of falls in the old age, (2007) http://www.who.int/ageing/publications/Falls_prevention7March.pdf http://books.google.co.uk/books?id=ms9o2dvfaQkCprintsec=frontcoverdq=WHo+Global+report+on+falls+Prevention+in+older+Agehl=enei=_rLKTPiRFMuNjAeZ5c3LDwsa=Xoi=book_resultct=resultresnum=1ved=0CCwQ6AEwAA#v=onepageqf=false Ebrahim S and A Kalache (1996), Epidemiology in old age. P.364, BMJ group. Gurucharan Rai, Joe reosethal, Jacqueline morris Steave iliffe (2006) shared care of older people. R.B. Shukla(1999) Care of the elderly. National guideline for prevention falls in older persons, 2000 MANAGEMENT OF FALLS Multi factorial factors had an influence in the falls in the elderly and causes falls so a multi factorial approach management is helpful to prevent falls in the elderly. Multi disciplinary management includes Medical assessment, nursing, physiotherapy, education, occupational therapy, social worker, the dietician, Chiropodist, orthodist and specialist Nurses. (Shukla. R 1996) Rai. G, 2006 states that management of any patients with falls with clearly guided by the findings from history, examination and investigation, such that any identified risk factors or causes of falling can be specifically addressed. Much of the management focuses on prevention of further falls. This will always include careful review of the risk and benefits of any medication which the patient is currently taking. Physiotherapy and occupational therapy can be helpful in identifying and reducing environmental risk for falling. Strength and balance exercise can help individuals learn to get up after a fall. Multi disciplinary management have an important role in the prevention of falls, improving health, risk assessment, health education. References Gurucharan Rai, Joe reosethal, Jacqueline morris Steave iliffe (2006) shared care of older people. R.B. Shukla, D. Brooks(1996) A guide to care of the Elderly. Summery The most important goal of this study was to expand more information about two sets of possible risk factors for falls, causes, prevention and management of falls. The main aetiology of falls is recognized as intrinsic and extrinsic factors. Most of the falls in the older people can be prevented or reduced in frequency if clinicians first begin to view the falls as symptomatic or an underlying problem and , second perform comprehensive assessment to uncover a magnitude of medical, psychological and environmental factors that may cause falls. (R Tideiksaar, 1988). References Falls in the elderly. R Tideiksaar http://www.ncbi.nlm.nih.gov/pmc/articles/PMC1629317/?page=16 Conclusion Fall and fall related injuries are major public health challenges that call for global attention. This problem will increase in magnitude as the numbers of older adults increase in many nations throughout the world( WHO) Every old age person was classified as having an intrinsic or extrinsic fall using the information obtained at the fall assessment. Extrinsic falls were related to environmental hazards (slip, trip or externally induced displacement), whereas intrinsic falls were related to mobility or balance disorder, muscle weakness, orthopaedic problems, loss of consciousness, neurally mediated cardiovascular disorder or sensory impairment. IN my point of view, Prevention is better than cure it an old proverb. It is perfectly applicable in the case of falls in the elderly. As a part of this I understand early detection of risk factors and cause of falls is the most relevant method to prevent injuries, haemorrhage, disabilities, etc in old age. Provide comfortable house and ensure the nursing homes or residential homes are hazards less It can prevent extrinsic factors of fall and environmental hazards. References WHO, Globel report of prevention of falls in the elderly. http://www.who.int/ageing/projects/1.Epidemiology%20of%20falls%20in%20older%20age.pdf RECOMMANDATIONS Center for disease control and prevention (CDC) states that older adults can take several steps to protect their independence and reduce their chances of falling. They can: Exercise regularly. Its important that the exercises focus on increasing leg strength and improving balance. Tai Chi programs are especially good. Ask their doctor or pharmacist to review their medicines-both prescription and over-the counter-to reduce side effects and interactions that may cause dizziness or drowsiness. Have their eyes checked by an eye doctor at least once a year and update their eyeglasses to maximize their vision. Make their homes safer by reducing tripping hazards, adding grab bars and railings, and improving the lighting in their homes. Additional ways to lower hip fracture risk include: Getting adequate calcium and vitamin D in your diet. Undertaking a program of weight bearing exercise. Getting screened and treated for osteoporosis. Center for disease control and prevention (CDC), Falls among Older Adults: An Overview. http://www.cdc.gov/homeandrecreationalsafety/falls/adultfalls.html REFLECTION Reflective practice is a process of review an experience of practice in order to describe analyses and evaluate and so inform learn from practice (Sarah B, P 161). WHO has done a study on falls in the elderly and reflected it and states that by building on the three pillars of falls prevention, the model proposes specific strategies for: Building awareness of the importance of falls prevention and treatment; Improving the assessment of individual, environmental, and societal factors that increase the likelihood of falls. For facilitating the design and implementation of culturally-appropriate, evidence-based interventions that will significantly reduce the number of falls among older persons. As a part of my independent study I came across with the topic of falls in the elderly. It gives a huge knowledge about elderly care and how to prevent falls in the elderly.