Fur Trade Solution Essay

The matter of hide exchange and the brutal acts of this business have been worldwide issues for a long time. They have savage methods of executing creatures like mink, foxes, and particularly wild yak. It is evaluated that the number of inhabitants in the wild yak in Qinghai, China has dropped from one 1 million to 75,000 in the previous decade (Fang 38-39). This issue has been continuing for a really long time and in spite of the laws and limitations that most governments have set, still poachers chase and kill creatures unlawfully. There are numerous potential answers for this difficult that would help, yet the best way is get gifts and subsidizing for non-benefit associations that can help have any kind of effect. Financing associations like the Friends of Nature and The Wild Yak Brigade is the best arrangement in light of the fact that the administration has just attempted to make changes and the laws are not being upheld. Another explanation is on the grounds that the associations would utilize the cash viably and there would be no requirement for a law. The last explanation this arrangement would be better is that these associations are attempting to stop the hide exchange by removing the interest. Numerous different nations around the globe have a similar issue of hide exchange. Some of them have passed laws and limitations to stop this, yet they have not been compelling. The Coalition to Abolish Fur Trade is attempting to help stop this issue with an end goal to hold decisions for basic entitlements, however even that has not had a lot of impact (Stallwood 22-27). In Qinghai, China the number of inhabitants in Wild Yaks is definitely going down and even idea their police for has attempted to prevent this from happening their endeavors despite everything have not had any kind of effect (Fang 38-39). In Tibet, their legislature propelled Operation No. 1 which is a $60,000 crusade for hostile to poaching. On the roadway of the Tibetan capital the administration set up a tent and inquired as to whether they had any illicit weapons or skins. This battle had basically no impact on the poaching in Tibet and the poor endeavors of the legislature maddened the individuals of Tibet. â€Å"All they did was set up a tent out and about into the reserve,† said an educator from Provincial University (Fang 38-39). Since 1990 the legislature of Qinghai has gotten just 500 poachers even hough there is around 5-6,000 poachers who chase all over Qinghai (Jiunnu 9). Indeed, even idea the legislature is putting forth an attempt, there is still a great deal of illicit poachers that should be halted. The administration has more cash to stop this terrible practice yet philanthropic associations like the Wild Yak Brigade put forth a greater amount of an attempt and a distinction. The Wild Yak Brigade is a gathering of activists who are Tibetan warriors outfitted with firearms and wander a 18,000 square foot span prepared to battle off any poachers who chase Tibetan gazelle (Fang 38-39). They are not supported by the legislature and they get their cash from any individual who will give to them and use everything on battling off these poachers. They have gotten two jeeps from a Chinese gathering called Friends of Nature and $10,000 dollars from the United States (Fang 38-39). The gathering Friends of Nature’s crew of 17 officers routinely watched Hoh Xil, a nature hold of in excess of 100,000 square kilometers in the Qinghai-Tibet Plateau, home to the impala. Companions of Nature have additionally as of late propelled a battle to spare the Tibetan eland. Companions of Nature have picked up the help of numerous individuals including British Prime Minister Tony Blair. He told Friends of Nature that he â€Å"would be reaching British and European Union ecological specialists about the illicit exchange, with the expectation that it could be finished. † (Jiunnu 9). Their methodology isn't to pursue poachers on the level, yet to cause worldwide to notice the bleeding butcher of the eland. These associations have just cash they get from gifts, yet they utilize all of it adequately and help have any kind of effect. These associations have found that even with their endeavors and the government’s laws the hide exchange won't stop until they attempt and remove the interest for this hide. They’ve understood this is an entirely beneficial industry so regardless of how illicit or merciless it is, poachers will in any case attempt and bring in cash. Consequently, if there is no interest and on the off chance that they can cause individuals to understand that they needn't bother with hide, at that point the poachers will be compelled to stop. The European Union and the United States have prohibited exchange seal hide items yet those seals proceed nearly elimination (â€Å"American Society for the Prevention of Cruelty to Animals†). Production line cultivating has likewise been prohibited in Austria, Croatia and the United Kingdom yet in Austria there are still high paces of unlawful hide exchanging (Owen). Companions of Nature and different associations have understood that these laws don't have any kind of effect, so their endeavors have been put towards halting the interest. PETA (People for the Ethical Treatment of Animals) is an extremely famous gathering that has gotten big names to do a battle â€Å"I’d preferably go exposed over wear fur†. This battle is attempting to assist tell with peopling they needn't bother with hide and they show how unfeeling the hide exchange ranches are. Associations like these have an enormous effect in people’s assessments and their endeavors are on the way to halting the interest for hide. The acts of poaching and hide exchange are significant issues that should be halted right away. The poor endeavors of the legislatures have not gone unnoticed and associations like Friends of Nature and CAFT have ventured up to support this issue. Despite the fact that they have no immediate or steady financing they work with as much cash as possible get and put everything into helping this issue be understood. Since the government’s laws are not being upheld, supporting the endeavors of these associations will be progressively compelling. Not exclusively would these associations utilize this cash viably yet they are moving toward the issue in an alternate manner by attempting to remove the interest. These techniques and arrangements would be the best method to stop the terrible issue of exchanging hide.

Managing Financial Resources and Decisions

Official rundown This report is to propose a fitting capital structure for Xpresso Delight Limted’s business extension with the base measure of capital as US$ 30 million. So as to accomplish that objective, right off the bat, it will recognize the wellsprings of account accessible for the business as obligation financing which incorporate credits, debentures and securities; and value financing, which incorporates regular offers, inclination shares and held profit.It is likewise to talk about favorable circumstances and burdens of each source, just as to evaluate the ramifications of these various sources identified with chance, lawful, money related and weakening of control and chapter 11. In view of those examinations, it is to choose the suitable wellsprings of fund for the task including held benefit, normal and inclination offers and credits. What’s more, the costs associated with each source will be surveyed and contrasted all together with structure the best optio n of capital structure.There are three alternatives of capital structure proposed: †¢ half obligation financing; and half value including 80% normal offer and 20% inclination shares †¢ 25% obligation financing; and 75% value financing including 80% regular offers and 20% inclination shares †¢ 10% obligation financing; and 90% value financing including 80% basic offers and 20% inclination shares Besides, this report is additionally to make reference to and clarify the significance of monetary making arrangements for Xpresso Limited. Substance Page 1.Cover Sheet †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. †¦Ã¢â‚¬ ¦. †¦Ã¢â‚¬ ¦ 1 2. Official Summary †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦4 3 . Introduction†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. †¦.. 7 4. Primary Body†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. †¦Ã¢â‚¬ ¦ 8 4. 1 Available different wellsprings of finance†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 8 4. 1. 1. Obligation financing†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. 8 4. 1. 1. 1. Loans†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚ ¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. †¦8 4. 1. 1. 2. Debentures†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. †¦8 4. 1. 1. 3. Bonds†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 9 4. 1. 2. Value financing†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. †¦Ã¢â‚¬ ¦. 9 4. 1. 2. 1. Given offer capital†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦9 4. 1. 2. 2.Retained benefit and other reserves†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 10 4. 2. Evaluation of the ramifications of sources†¦Ã¢â‚¬ ¦Ã ¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦10 4. 2. 1. Obligation financing†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. †¦. 10 4. 2. 1. 1. Debentures†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 11 4. 2. 1. 2. Bonds†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 12 4. 2. 2. Value financing†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. †¦Ã¢â‚¬ ¦.. 12 4. 2. 2. 1. Given shares†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦12 4. 2. 2. 1. 1. Basic shares†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. 12 4. 2. 2. 1. 2. Inclination shares†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 13 4. 2. 2. 2. Held profit†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. †¦Ã¢â‚¬ ¦13 4. 3. Choice of proper sources and The appraisal and correlation for costs†¦. 4. 3. 1. Fitting wellsprings of finance†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ †¦Ã¢â‚¬ ¦14 4. 3. 2. Expenses of sources†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. †¦Ã¢â‚¬ ¦14 4. 3. 2. 1. Held pr ofit†¦ †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. 14 4. 3. 2. 2. Given shares†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. †¦Ã¢â‚¬ ¦14 4. 3. 2. 3. Loans†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. †¦Ã¢â‚¬ ¦. †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. 15 4. 3. 3. Alternatives of capital structure†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 15 4. 3. 3. 1. First structure†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. 15 4. 3. 3. 2. Second structure†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. †¦Ã¢â‚¬ ¦. †¦. †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 16 4. 3. 3. 3. Third structure†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. †¦.. †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦16 4. 4. The budgetary arranging †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦17 4. 4. 1. Definition†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦17 4. 4. 2. Significance for Xpresso Limited†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 17 4. 4. 3. Lack and overflow of capital: †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. 17 5. End . à ¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. 19 6. Index †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 20 7. References†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦21 3. Presentation: Xpresso Delight Limited is a freely recorded organization in Australia Stock Exchange with the headquarter is situated in Hanoi, Vietnam. Xpresso Delight Limited is lion's share possessed (51% stake) by Chief Executive Officer (CEO), Mr.Nguyen Dong Khoa. The organization has 30 bistros amassed essentially in huge urban areas in Vietnam like Hanoi, Ho Chi Minh City, Hai Phong, Da Nang, Can Tho, etc. With numerous focal points, for example, the developing abundance of espresso culture, the expanding exiles populace in Vietnam, and even the government’s master business arrangements; Xpresso restricted accepts that there is a colossal market potential in the rising Vietnam, which urges it to set out on a yearning plan of extending, opening at any rate 20 bistros every year for the following five years in the different pieces of the country.The organization issues two sorts of offer including conventional offers (standard worth US$ 1 for each offer), which are right now exchanged at US$ 2. 50 for each offer; and inclination shares, which are at present exchanged at US$ 52 for each offer in Australia Stock Exchange. Its corporate assessment rate is 25% at present however is required to go down. With solid income development anticipated at a consistent 15% per annum later on, Xpresso Delight Limited is relied upo n to pay out US$ 0. 30 for every offer as common profit in the following money related year while a steady inclination profit is US$ 5 for every offer for each year.The normal buoyancy cost for the new issue of customary offers and inclination shares are 17% and 10% o

Everyone at MIT should take this class.

Everyone at MIT should take this class. What do you want to do in life?  For some people, the answer to that question comes easy.  Theyre the ones whove been coding since they were out of the womb, who were building robots before they learned how to walk.  But for others, its not so black-and-white.  If you ask them what course theyll in, theyll hedge a little; they might say 6, or 2, or maybe 1 (thats EECS, MechE, and CivilE, for you non-MIT readers). Im in the latter group.  I came to MIT intending to major in something Bio: Course 6-7, or 7, or maybe 20.  I had loved AP Biology in high school, gotten some lab experience at UC Davis trying to develop a fungal-resistant Cavendish banana strain, enjoyed 7.012, and snagged a nice UROP at Langer Lab, the largest biomedical engineering lab in the world. And after first semester, I realized I wascomfortable.  Too comfortable, maybe.  My life seemed mapped out for me: follow the degree requirements for whatever bio major I ended up declaring, go to grad school, get a job at a biotech company, get married with 2.3 children and get a house without a white picket fence because white picket fences are ugly. (okay, maybe I didnt really map my life out that far ahead) But all the same, I had a lil mid-(semester)-life crisis where I asked myself why I wanted to major in bio: was it just because it was all I had lab experience in and would be the easier route, or was it really was what I wanted to do for the rest of my life? Then I fell asleep, because it was 4am and I had been psetting for hours. When I woke up, I decided that the best way to find out what I really wanted to do was to take 5 classes and my 10 hour/week UROP second semester to get as much experience as possible in the fields I was considering (and also to give my advisor a minor heart attack).  One of these classes is 2.00B, Course 2s introductory class to toy product design.  Product design has always interested me whenever Apple came out with a new product, my favorite part was the product design videos they released with Jony Ive pronouncing aluminium soothingly in the background.  I luckily was able to lottery into this overenrolled class. And over the past few weeks, Ive decided that Course 2 is, in the words of Kirsten, super legit. But that doesnt mean Ive given up on bio.  Im interested in interdisciplinary work so 2A-20 (a flexible MechE with a bioengineering track) is also an option. Anyways, wow, this was a really long intro to a post about Toy Product Design.  So lets dive into what weve been doing in the first few weeks. Most first lectures tend to be fairly dull.  Pass out handouts, remind everyone when midterms and finals are, assign psets. Not so in 2.00B.  Our first lecture, we engaged in a littlegraphic design.  And by that, I mean our instructor said: I want you all to design a logo for 2.00B.  With fingerpaint.  With someone elses finger. Here was my masterpiece: But toy design isnt all fun and games.  Or is it?  Our first homework assignment was to write our thoughts about product design.  In the form of a limerick. Mine was: Id say that design is an art, That its not just a factory part, If you try to design When youre rushing for time, Youll make something thats not worth a fart. The best part was that my limerick was selected as one of the highlights, and we all got to hear our instructor say fart.  Har har.  No, my humour hasnt progressed very far beyond grade school. 2.00B is a project-based course, where students are split up into groups of 5 and given a budget of ~$700 to produce a product at the end of the semester.  During the past few weeks, weve been engaging in ideating, a fancy word for trying to think of a good way to spend $700.  Our top ideas are super secret, of course, but heres the result of one of our earlier ideating sessions: Can we all take a moment to appreciate the cheekbones on my Sherlock drawing? Even if you have a great product idea, though, you have to know how to communicate it effectively.  For this, we went old-school: pencil/marker and paper.   This also gave me a great excuse to finally go out and buy a Moleskine notebook, satisfying the hipster in me: Check out this adorable sticker that my friend got me: Yeah, Im cool. For those times when pen-and-paper wont do it, computers are your friend.  Ive recently discovered the joys of Illustrator (by recently, I mean 10 hours ago), which is why I was up at 3am this morning mocking up a logo for my project team.  Its also why this post is prettified.  Dont expect this every time. Thats it for today!  Ill definitely be writing more blog posts in the future about Toy Product Design, because that class is just too cool.  If you want more up-to-date info on 2.00B, check out their Twitter account (page? handle? feed?).  Im told theres a picture of me being very excited about vinyl cutting a sticker. Oh yeah, and if you were wondering about the curve in the Team Camel logo I made its supposed to be an abstract representation of the humps on a camel.  Which reminds me, our team song is totally My Humps. Post Tagged #2.00b Toy Design

Achilles in The Illiad is not a Hero Essay - 1009 Words

Achilles in The Illiad is not a Hero In the introduction of the Essential Illiad given by Sheila Murnaghan, Achilles is labeled as â€Å"the greatest of the Greek heroes†. In classic mythology a hero is a person of great strength and courage celebrated for bold exploits and is often the offspring of a mortal and a god. Achilles was the greatest fighter among the Greeks or Trojans and feared no man in battle. He was also the offspring of a mortal and a god so by classic mythology definition, Achilles was indeed a hero. A hero is defined by the present day Websters Dictionary as: â€Å"one who inspires through manners and actions; an individual who leads through personal example and accomplishments requiring bravery, skill, determination,†¦show more content†¦During that entire time, Achilles’ justification for wallowing in self-pity is that he has been â€Å"dishonored†. This argument becomes null and void when Agamemnon offers lavish compensation for the affront. In addition to returning B riseis, Agamemnon offers Achilles seven unfired tripods, ten gold bars, twenty burnished cauldrons, a dozen horses, seven beautiful women from Lesbos, twenty Trojan women, his daughters’ hand in marriage along with a rich dowry, and the ownership of seven populous cities. Any reasonable person would have taken the offer but not prideful, bitter Achilles. Instead he continues on with the same old rhetoric and refuses to fight. As if standing idly by while his countrymen were being killed was not enough, Achilles has his mother call in a favor to Zeus asking him to help the Trojans so that even more Greeks would die during his absence. Not only did he abandon his comrades, he actually prayed for them to die because his pride had been hurt. In addition to the previously mentioned character flaws, one could argue that Achilles was also a kidnapper, rapist and murderer. Briseis herself was a love-slave. She was taken as a spoil of war from one of the Greeks previous successful military campaigns. Even if she went willingly and made love to Achilles willingly, it would be absolutely ludicrous to think that all of his other love-slaves (he had many) had such a â€Å"good† time. No one likes to beShow MoreRelatedCharacteristics Of A Hero In The Illiad979 Words   |  4 Pagesthoughts on heroes. When it comes to The Illiad by Homer, one of the biggest things focused on is the image of the hero. Homer never directly gives the answer to the question â€Å"What makes a good hero?†, but he does write about many heroes, and through the writings it is easy to pick up what qualities make a good hero. It is also made clear what qualities can be the downfall of the hero. So what qualities are seen throughout the bo ok? Positive qualities of a hero would be that they are brave, and theyRead MoreThe Heroic Code1182 Words   |  5 Pagesdecisions often affect the lives of others as well. They need the heroic code to guide them in their decision making. In this essay, I will describe the heroic code and share its applications in the stories of Beowulf, Gilgamesh and Noah, and The Illiad, as well as my other personal experiences. I will start with the story of The Man of La Mancha, which is a play based on the story of Don Quixote. In this story, you have a rather deranged man on a quest to become a knight. In order to become aRead MoreAchilles, Aeneas, and Roland979 Words   |  4 Pagesinsecure days, people would tell oral stories of great heroes, like those of Achilles, Aeneas, and Roland. Achilles was a Greek war hero who fights in the Trojan War, a ten year long war between Greece and Troy (present day Turkey). Aeneas was an epic hero in ancient Roman folklore. He was a soldier who fought in the Trojan War and after surviving the destruction of Troy, he later founded the city of Rome. Roland was an epic hero of the Franks, a Germanic tribe in present day France. All three of theseRead MoreHeroes of the Ages1130 Words   |  5 PagesThroughout the ages, there have been many epic heroes in which we hear about through stories. However, there is a rather common question of what makes them an epic hero. No t only do humans look for the bravery and good deeds in a hero, but they go deeper than that. They wish to know what lies beneath the skin. Literally, what makes them act the way they do. Psychologically speaking, there is no sure way to tell why each person acts the way they do. However, what people can analyze is the actionsRead MoreAchilles : Achilles And Duryodhana Essay1294 Words   |  6 PagesWorld Literature 26 October 2016 Achilles and Duryodhana Analysis A quick comparison between the characters Achilles in the Iliad and Duryodhana in the Mahabharata suggests that they are extremely similar. Both characters are hard-headed, full of pride, and their eventual demises both occur because of a certain weakness in their invulnerability related to their mothers’ oversight. At closer glance, one notices that while they share many traits, the role Achilles plays is much different from Duryodhana’sRead MoreEssay about Heroic Code in the Iliad and the Odyssey979 Words   |  4 Pagesthe Iliad and the Odyssey In Websters Dictionary, a hero is defined as a person noted for courageous acts or nobility of purpose, especially if this individual has risked or sacrificed his life. In the Iliad and the Odyssey, the code which administers the conduct of the Homeric heroes is a straightforward idea. The aim of every hero is to achieve honor. Throughout the Iliad and the Odyssey, different characters take on the role of a hero. Honor is essential to the Homeric heroes, so much thatRead More Comparing the Hero in Epic of Gilgamesh and Homers Iliad Essay730 Words   |  3 PagesThe Hero in Epic of Gilgamesh and the Iliad    One and the same lot for the man who hangs back and the man who battles hard. The same honor waits for the coward and the brave. They both go down to Death, the fighter who shirks, the one who works to exhaustion. (IX,385-88) Thus muses Achilles, one of epic poetrys greatest heroes. Epic poetry, one of the earliest forms of literature, began as an oral narration describing a series of mythical or historic events. EventuallyRead MoreAchilles Heros Journey Essay1117 Words   |  5 PagesJanelle Fanelli Professor Probert ENGL 2800 September 7 2017 Achilles and Gilgamesh on a Journey The two Homeric epics, the Illiad and The Epic of Gilgamesh, both contain a Hero’s Journey. They show the readers a look into heroic life during the time of the Trojan War. Achilles and Gilgamesh’s Heroic Journeys are not identical, however the characteristics and qualities of them is what holds the similarities. The two characters have a compelling outlook on death, and immortality. They seek differentRead MoreThe Code Of Honor In The Iliad And The Odyssey1684 Words   |  7 PagesIn Webster’s Dictionary, a hero is defined as a person noted for courageous acts or nobility of purpose, especially if this individual has risked or sacrificed his life. In the Iliad and the Odyssey, the code which administers the conduct of the Homeric heroes is a straightforward idea. The aim of every hero is to achieve honor. Throughout the Iliad and the Odyssey, different characters take on the role of a hero. Honor is essential to the Homeric heroes, so much that life would be m eaningless withoutRead MoreThe Bronze And Iron Age Essay2093 Words   |  9 Pageswhich is weariness, and tin with it and valuable gold and silver and thereafter set forth upon its standard the great anvil, and gripped â€Å". The poems of Illiad depict the seige of the city of Ilion or Troy during the Trojan War. The word Illiad itself means something concerned with Ilion. Illion was the city based in the state of Troy. When Illiad was created, is arguable. Some scholars are adamant that it was written around the 8th - 9th century, while some debate it must have been written during

Domestic Violence A Pattern Of Violent Behavior

Domestic Violence is a pattern of violent behavior in any relationship. Domestic violence usually occurs in the home with a spouse, partner or loved one. Although, usually violent, domestic violence can be physical, sexual, emotional, economic, or psychological actions or threats of actions that influence another person. Domestic violence is usually someone trying to gain and maintain control of another. Abusers can use fear, guilt, shame, intimidation, threaten you, hurt you, or hurt those around you. Domestic violence can happen to anyone. It may seem rare for some people, such as, celebrities, singers and actresses, but it literally can happen to anyone. Domestic violence should never be tolerated. In this paper I will talk about the singer Rihanna experiencing domestic violence. I will talk about what happened, how she got help, how the domestic violence impacted her and who her abuser was. Rhianna is Barbadian singer and song writer. She gets her â€Å"Barbadian† singer t itle because she grew up in the Barbados. Her songs consist of pop, dance and RB lyrics. In 2005, Rihanna released her first album and in 2008, she won her first Grammy Award recognizing her as a pop icon. According to, Wikipedia, â€Å"Many of her songs rank among the world s best-selling singles of all time, including the singles Umbrella, Take a Bow, Disturbia, Only Girl (In the World), SM, We Found Love, Diamonds, and Stay in which she is the lead artist, and her collaborations LiveShow MoreRelatedLong-Term Consequences of Childhood Exposure to Domestic Violence948 Words   |  4 PagesConsequences of Childhood Exposure to Domestic Violence Abstract: Domestic violence effects everybody in a family. Patterns of abuse from one parent to another, between both parents or directed toward a child all have a composite effect of inflicting potentially severe emotional damage upon the child. The research outlined here identifies domestic violence as a serious sociological problem and consequently provides a usable definition of domestic violence for the present study. This is followedRead MoreDomestic Violence : The Horrific Effects Of Abuse1464 Words   |  6 PagesDOMESTIC VIOLENCE: The Horrifying Effects of Abuse â€Å"To those who abuse: the sin yours, the crime is yours, and the shame is yours. To those who protect the perpetrators: blaming the victims only masks the evil within, making you as guilty as those who abuse. Stand up for the innocent or go down with the rest†¦Ã¢â‚¬  These are the words of an individual who sees too clearly the injustice which comes with domestic violence toward women. The United States government estimates one in every four women willRead MoreThe Violence Of Domestic Violence954 Words   |  4 PagesCycle of Violence in Domestic Violence As stated by the Executive Office of Public Safety and Security, â€Å"domestic violence is defined as a pattern of coercive and controlling behaviors and tactics used by one person over another (by or to any household member) to gain power and control. This may include verbal abuse, financial abuse, emotional, sexual, and physical abuse.† (The Official Website of the Executive Office of Public Safety and Security.) Domestic abuse frequently becomes more often andRead MoreTaking a Look at Domestic Violence Essays1018 Words   |  5 PagesDomestic violence is when an intimate partner, such as a spouse or a person you cohabit with; physical, sexually or psychologically abuses you. Abusers come from all different types of backgrounds. Domestic Violence affects all races, ethnicities and genders. 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This is especially true of how domestic violence is currently governed by the criminal justice system and social norms. A lack of preventative care exists and this ignores the consequences of domestic violence in our society. Incidents of domestic violence are often treated as one-time or isolated occurrences; however, in many cases abusers and victims fall back into these learnt behaviors. Therefore, domestic violence is a never-ending cycle that cannot be stopped withoutRead MoreResearch Proposal- Alcohol Abuse Leads to Domestic Violence1471 Words   |  6 PagesDetermining whether Alcohol abuse leads to Domestic Violence Abstract This study seeks to analyze and examine the effects that alcohol abuse may have on domestic violence cases. The main goal of this study is to determine whether or not alcohol or alcohol abuse really has an affect on people and if it causes domestic violence or not. This study will be helpful in many ways and instances and it will help those who are still wondering whether or not these to completely different socialRead MoreThe Effects Of Domestic Violence On Children Essay1383 Words   |  6 PagesLieberman (2007) the goal was to determine if domestic violence leads to functioning shortfalls, and what its effects it has on a child’s behavioral and cognitive functioning. In homes where domestic violence happens, young children are more likely to witness violence than older children. It was hypothesized that children who witnessed violence at home had lower verbal capabilities, and would display greater internalizing and externalizing behaviors. Participants in this study included 62 preschoolersRead MoreThe Breakable Vow835 Words   |  4 PagesNo country or society can claim to be free of domestic violence; it cuts across boundaries of culture, class, education, income, ethnicity and age. Domestic violence is a pattern of coercive behavior in which one person attempts to control another through threats or actual use of physical violence, sexual assault, and verbal or psychological abuse. No one should become implicated in domestic violence relationships. There is a repeating cycle of violence in the relationship, the abuse involved is horrificRead MoreBattered Women Syndrome1311 Words   |  6 PagesDomestic violence is often perceived as males projecting physical abuse to female victims which overlooks the psychological abuse that they also experience (Carlson and Worden, 2005). Jill is a domestic violence survivor who filed a restraining order against her husband. Jill remained with her husband despite being abused bec ause she felt threatened to leave the relationship. Her behavior triggered battered-women syndrome. Battered- women syndrome refers to the male batter’s violent behavior patterns

Should Governments Sponsor Gambling Free Essays

Should Governments Sponsor Gambling? The government is now sponsoring gambling to raise revenues. By 2002 government-sponsored gambling brought in 11 billion dollars! â€Å"Winning means a life of luxury and happiness,† is only one of the many slogans the government uses to advertise gambling. Gambling has a lot of pros as to the economy and employing more citizens but it has a lot of cons as well. We will write a custom essay sample on Should Governments Sponsor Gambling? or any similar topic only for you Order Now Should governments sponsor gambling? The answer is no! Governments should not sponsor gambling because it is a total money grab, it feeds gambling addictions, and it destroys families and exploits Canadian citizens. Gambling can be an expensive waste of time. Gambling is a complete money grab. Statistics show that the average household spends about $300 per year on gaming. The chances of winning the lottery are slim to none. The government promise a greater life if you win, but with chances that are extremely low, it is highly unrealistic. Gambling is a form of entertainment that gives you hope for something. This can be dangerous as it can lead to over spending or dull judgement. Alcohol is mostly always associated with gambling. This can add to the high expense and even sway your choice to spend more and more. Many people say that the government should not sponsor an activity that can be strongly addictive. Statistics show that 3. 1 percent of Ontario’s population are Problem gamblers. â€Å"Ontario derives a huge portion of it’s gaming revenue from problem gambler’s. Therefore, government-sponsored gambling is contrary to the interest of the general populace, and therefore contrary to the purpose of the government. † Robert Williams, University of Lethbridge, Alberta, November 2004 . Government sponsored gambling feeds an unhealthy addiction that many people can have. These addictions can lead to theft and even suicide. Gambling is just like any other addiction, it completely takes over the person’s life. This can affect your family and marriage. Always being at the slots or casino’s funded by the government can make you lose quality time with your family. It can financially hurt you and hurt your family in the long run. Government-sponsored gambling is causing problems with your person life. It will exploit you for more and more money. It constantly brain washes you with it’s advertisement of the amazing times you will have and how much better your life will be. This is not true. These people chase their losses by risking more money, thinking that somehow persistence will pay off. It rarely does. They suffer from depression, anxiety, financial and family breakdown. Governments should not sponsor gambling. It is a big money grab, it is highly addictive, and it can tear apart families. Gambling has an ill affect towards canadian citizens. The government says gambling is a form of entertainment. With such a low chance of winning, how is loosing money fun? In gambling, many people inherit a sense of hope. The small chance that you might win and go out with more money than you came with. This is an unlogical probability but, everyone is driven by this hope that they might win. Gambling does bring a lot of jobs and boosts our economy, but the problem to balance responsible gambling with generating profits to the economy. Impossible maybe but, better efforts have to be made so that gambling doesn’t take over canadians. How to cite Should Governments Sponsor Gambling?, Essay examples

Odysseus Essays (1256 words) - Odyssey, Odysseus, Greek Mythology

Odysseus Most individuals have a conceived concept of the ideals in which one highly values or desires to acquire. These ideals generally make up the mannerisms of a person one considers a true champion, whom can be existent or imaginary. This relatively immaculate code of ethics is also accompanied by achievements one finds admirable. This person is usually goes through a series of tests or hardships that prove their importance. This is what one considers a hero. Giving the term hero such a definition, one's idea of a hero may completely differ with another's concept of such a person worthy of praise. In today's eclectic society, everybody's heroes are different. One's hero may be a character in an action movie, surviving against all odds to finally get the bad-guy in the end. It may be a character with superhuman strength with no concern of death like the hero in the epic Beowulf. Others may desire more intellectual heroes such as the Wright Brothers, devoting years of effort to create a machine to make man fly, or Thomas Jefferson, risking his life by writing the Declaration of Independence. Some may call one with great moral value a hero such as Mother Teresa, Pope John Paul II, or even Jesus Christ who suffered and died so we humanity could enter the Kingdom of God. During the era of Homer's, The Odyssey, the majority of the population in ancient Greece had the same basic ideas of the qualities a hero should have. Espino 2 The Greeks valued a warrior with great physical strength as well as shrewdness. The emphasis on strength was based on the fact that battles were frequent from city-state to other city-states. A hero for those times would need to have a strategic way of thinking and wisdom to aid in achieving the numerous tasks placed before him. Heroes should also be eloquent in their manner of speaking, for it was a tool necessary so others could easily be convinced by the hero's speech. All the values necessary for a hero are portrayed in The Odyssey. These are told through the stories and exploits of the main hero, Odysseus. In Book IV of the Odyssey, Menelaos and his wife Helen, both tell a story of one of Odysseus' accomplishments during the Akhaian war against the Trojans. Helen tells of how Odysseus ingeniously had "given himself an outrageous beating and thrown some rags on" to disguise himself as a beggar and slip into the impenetrable city of Troy. Once inside, he was unrecognized by the Trojans by merging with the townspeople. Odysseus found Helen and told her of the Akhaian plans to conquer Troy. Once Odysseus had learned of the Trojan's war strategy, he left the city and killed many Trojans on his way out with his sword. Many examples of the concept of a hero can be seen in this tale. Odysseus used his wits to think of a plan, which would be useful in accomplishing two goals: to tell Helen of the Akhaian's plans of rescuing her while taking over Troy. The other goal was to find out his opponent's stratagem. Helen describes the shrewdness of Odysseus in making himself pass for a Espino 3 beggar, and allowing himself to be humiliated by his enemies, but without revealing his true identity. He then makes his exit while killing some Trojans along the way, illustrating his strength. Helen's tale portrays some qualities of Homer's concept of heroism: ingenuity, sagacity and bravery. Menelaos tells another of Odysseus' feats after his wife is done with her tale. He tells of how Odysseus' will power and leadership saved all of the fighters inside the hollow horse. He tells of how Helen approached the horse with Deiphobos and called each of the warrior's names as she walked around it. Her voice sounded like each of the fighter's wives and caused the warriors great longing to go or to call out to the voice. Odysseus fought down Menelaos, Diomedes and held his hands over Antiklos' mouth to prevent him from calling out. Odysseus thus saved the warriors from being discovered. Menelaos' tale depicts Odysseus as a man with patience and strong will-power. Menelaos himself names Odysseus' characteristics when he says "never have I seen one like Odysseus for steadiness and a stout heart." It can also be understood that Odysseus is a leader that protects the lives of others as well as his own. This can be seen when he prevents the soldiers from calling out to Helen. Aside from the qualities mentioned,

How to Be an Author 5 Personality Characteristics to Nurture

How to Be an Author 5 Personality Characteristics to Nurture How to Be an Author: 5 Personality Characteristics You Want to Nurture Becoming a new author requires a unique fortitude and strength of character.Writing a book forces you to plan, write, and edit between 50,000 to 100,000 words!It also requires working with an editor, a publisher (or self-publishing), a design team, and developing a book launch strategy  to get readers to see your upcoming bestseller on Amazon. This amount of work can feel overwhelming and can easily crush your confidence.But what makes new authors become bestsellers like Stephen King comes down to one factor: hard work.Writing takes tremendous effort, but more importantly, requires a strong mindset. Having coached and taught so many successful writers ourselves, we’ve studied and compiled all of their strongest personal qualities that you can adopt and apply to your life to become an author.This guide covers how to:Exercise PatienceApply ConsistencyPractice OptimismValue CriticismBe EmpatheticLet’s reveal how these qualities can shape you to become a published author. 1. Exercise PatienceWriting a book is not an overnight process. It takes a lot of time! Part of learning how to be a professional writer means that you have to cultivate not only discipline and focus, but patience.The good news is that patience is something that can be developed with practice. Suzannah Windsor Freeman, author of The Busy Mom’s Guide to Writing, discovered that infinite patience was the key to her success.Freeman also famously said, â€Å"If your dream were to be a concert pianist, you wouldn’t expect to sit down and just play. You’d take lessons for many years, practice every day, and sacrifice a great deal in order to achieve that dream. So, why do we expect ourselves to be able to write well without the same level of commitment and patience?† Her words advocate that the more time you spend practicing your craft with patience, the better writer you will become.Action Plan:  Cultivate patience by practicing your craft everyday. Whether its creative writing or creating short stories, experiment with any form of writing to improve your skills and develop great ideas.2. Apply ConsistencyTo become a professional writer, you must treat writing like a serious job. This means that you must commit to a consistent schedule and adhere to a writing process in order to develop good habits and not waste time.Consider the following strategies to make yourself more consistent as you start the writing process:Emulate the â€Å"Calendar Strategy.†Ã‚  With a calendar, mark an X for each day you write and make it a goal to not break the chain.Find your creative space.  Find and create your own space where you’re most comfortable and creative. Whether its your office, a coffee shop, or even your kitchen, use it as your place to write everyday.Create a writing schedule. Writing at the same time everyday will develop a consistent writing habit. Consistent writing actually creates a muscle memory, triggering your brain t o turn on creativity when you sit down to write.For more writing strategies, check out our guide on 7 Strategies to Start Writing Your Book Today.Action Plan:  Experiment with these methods to optimize your writing process. Following a consistent plan will easily double your output and complete your book in no time.3. Practice OptimismPsychologists say  that practicing optimism  can help you be more productive and live a happier life. It can also help you  overcome inevitable pitfalls like writer’s block. The best part is, you can  train yourself to think more positively and take on even the worst  events that can negatively impact your life.Here are a few ways to practice optimism:Anticipate a positive outcome.  Our realities  reflect what we think, making our perception of reality the mirror of our thoughts. So having a positive attitude will always increase your  optimism,  even at your worst.Share your optimism with others. Optimism is a contagious att itude powerful enough to shift the momentum of any negative situation to a positive one. So share your   positivity with others and build that unshakable force to complete your goal.Remove all negativity.  Negativity will bring you down, and surrounding yourself with it will encourage more pessimistic thoughts and self-doubt. Avoid it at all cost.Action Plan:  In your writing process, come up with both negative and positive outcomes for any given situation. For each negative situation, try to look for positive outcomes and work towards turning it into a favorable result.4. Value CriticismNo matter how amazing your book is, there’s always someone who will harshly criticize your work. Instead of viewing it as a humiliating remark, learn to apply the feedback to your writing.Developing a thick skin is one the hardest things to do, and like many of the other characteristics, takes time to build.When writing your book, you can build resilience  to criticism by practicing t he following:Anticipate harsh edits and rearrangements across your entire book.Prepare to cut out your favorite paragraphs or sentences.Count on reading  plenty of negative reviews on Amazon, social media or by the press.Action Plan: Try to find positive feedback from every negative criticism or review on your book. Make it a goal to develop enough flexibility so that one day it will no longer bother you.5. Be EmpatheticKnow that by sharing your story, you’re helping someone else. Your unique experience will empathize with readers and they will draw strength from the words you wrote in your book.Here are two successful authors whose work has touched many readers:Professor Randy Pausch, author of The Last Lecture, was faced with a terminal illness at a young age. Rather than wallow and fade away, he used his last days to create his masterpiece. His book wasn’t about death, but rather short stories that advocated the importance of overcoming hurdles and capturing every moment you have to live for. His generosity to share his life resonated with readers as a tale of courage and inspiration to anyone facing similar adversities.Elizabeth Gilbert, bestselling author of Eat, Pray, Love,  wrote her memoir while going through a devastating divorce that left her full of anxiety and panic. She stressed the importance of discovering the best version of herself by leaving behind her previous life to set out to explore the different aspects of nature within food, travel, and love. Her painful story of loss and regrowth profoundly connected to readers so much that it eventually became a movie.Action Plan:  Make the effort to write down the biggest obstacles you’ve encountered and explain how you have dealt with them. You will be surprised to see how meaningful your story is to your readers.Adopting these characteristics  can mean the difference between seeing your name on the best-seller list and never publishing your first book. Applying these p ractices not only help you become a published author, but also a better person.

Pidgin and Creole Languages

Pidgin and Creole Languages Pidgin and Creole Languages Pidgin and Creole Languages By Maeve Maddox The word pidgin refers to a language used as a means of communication between people who do not share a common language. The word pidgin derives from a mispronunciation of the English word business. The term â€Å"Pidgin English† was first applied to the commercial lingua franca used in southern China and Melanesia, but now pidgin is a generic term that refers to any simplified language that has derived from two or more parent languages. When a pidgin develops into a more complex language and becomes the first language of a community, it is called a creole. Note: The word creole has racial applications, which are not addressed in this article. Creoles typically arise as the result of contact between the language of a dominant group and that of a subordinate group, as happened as the result of European trade and colonization. The earliest reference to a creole language is to a Portuguese-based creole spoken in Senegal. The vocabulary of a typical creole is supplied for the most part by the dominant language, while the grammar tends to be taken from the subordinate language. A pidgin is nobody’s natural language; a creole develops as a new generation grows up speaking the pidgin as its main language. The grammar of a creole usually remains simpler than that of the parent languages, but the new language begins to develop larger vocabularies to provide for a wider range of situations. Because of its distinctive use of verb tenses and other grammatical features, Black English is considered by many to be an English creole having British and American varieties. Haitian is a French creole. Unlike pidgins, creoles are complete natural languages that differ from standard dialects of the dominant parent language in pronunciation, grammar, and vocabulary. Some more examples of creole languages: French-based Louisiana Creole Mauritian Creole English-based Gullah (US Sea Islands) Jamaican Creole Guyanese Creole Hawaiian Creole More than one parent language Saramacca (SurinameEnglish and Portuguese) Sranan (SurinameEnglish and Dutch) Papiamentu (Aruba, Bonaire, Curaà §aoPortuguese and Spanish) Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Writing Basics category, check our popular posts, or choose a related post below:15 Terms for Those Who Tell the FutureConnotations of 35 Words for Funny PeopleSentence Adverbs

E COMMERCE @ AMAZON OPM 5 Essay Example | Topics and Well Written Essays - 500 words

E COMMERCE @ AMAZON OPM 5 - Essay Example No geographical boundaries limit online transactions. Huge market penetration allows companies to gain popularity overnight without much cost. Another huge advantage that e-commerce has to offer is they can effectively evaluate the response to a particular campaign online with the help of tools like frequent visitors etc. Like any other business, online selling has its set of disadvantages. The biggest disadvantage is the lack of direct contact between the sales force and the customers. All the transactions take place online, limiting contact. Another disadvantage is the security issues that are rising in this medium of selling. With fraudulent activities on the rise, companies selling online now have to take expensive measures to protect the important credentials of their customers such as credit card numbers etc. These measures cannot be taken by small businesses limited on budgets and spending. Another important issue is the delivery of goods over the whole world. This problem however, has been counteracted by Amazon who now has alliances with different companies to deliver goods to various places all over the world. Also, perishable items have to be delivered on time, which requires exceptionally quick service. This problem has also been covered by Amazon as it is test marketing its service of de livering goods overnight in certain suburbs of Seattle. Books are one of the best selling products on Amazon.com. Many books are now available in formats which are downloadable. However, this phenomenon is not very popular. If online downloading of books start, Amazon will be faced by a downfall in sales and share price to a certain extent as one of their main products will not be available online. However, they can venture into this market of downloadable book purchase as well, to make up for the loss on their other sector. In short, Amazon has all the resources to venture into the market of downloadable books as well; they can take full

Happiness Essay Example | Topics and Well Written Essays - 500 words

Happiness - Essay Example These challenges include the satisfaction of physiological needs, safety, love, and self esteem. All of which serves as the motivation for the individual to strive for self actualization which is the basis of true happiness. To begin with however, the person has to take care of his body and mind. A person has to satisfy his physiological and psychosocial needs then continue to meet his self esteem and finally self actualization. In each of this case, people should have the determination to work it out to be able to be successful at this level. In Maslow’s hierarchy of needs, when the lower needs are satisfied, there is the possibility that the individual may move on to the next level of need contributing to happiness. Thus, lower needs have to be maintained. A disturbance in one area may lead to disequilibrium which may result to unhappy life (Suddarth, p 4). A person who is deprived of food cannot be able to understand what love means. The absence of this may undermine the in dividual’s psychosocial capacity to be happy and share happiness to others. This goes with the idea that if a person is hungry is likely to be angry. Self actualization leads to contentment which defines happiness in a deeper sense. People who are satisfied with what they have done in their life are a true picture of happiness.

The insurance sector in india

The insurance sector in india INTRODUCTION INSURANCE SECTOR IN INDIA The Insurance sector in India governed by Insurance Act, 1938, the Life Insurance Corporation Act, 1956 and General Insurance Business (Nationalisation) Act, 1972, Insurance Regulatory and Development Authority (IRDA) Act, 1999 and other related Acts. With such a large population and the untapped market area of this population Insurance happens to be a very big opportunity in India. Today it stands as a business growing at the rate of 15-20 per cent annually. Together with banking services, it adds about 7 per cent to the countrys GDP .In spite of all this growth the statistics of the penetration of the insurance in the country is very poor. Nearly 80% of Indian populations are without Life insurance cover and the Health insurance. This is an indicator that growth potential for the insurance sector is immense in India. It was due to this immense growth that the regulations were introduced in the insurance sector and in continuation Malhotra Committee was constituted by the government in 1993 to examine the various aspects of the industry. The key element of the reform process was Participation of overseas insurance companies with 26% capital. Creating a more efficient and competitive financial system suitable for the requirements of the economy was the main idea behind this reform. Since then the insurance industry has gone through many sea changes .The competition LIC started facing from these companies were threatening to the existence of LIC .since the liberalization of the industry the insurance industry has never looked back and today stand as the one of the most competitive and exploring industry in India. The entry of the private players and the increased use of the new distribution are in the limelight today. The use of new distribution techniques and the IT tools has increased the scope of the industry in the longer run. PRESENT SCENARIO OF INSURANCE INDUSTRY India with about 200 million middle class household shows a huge untapped potential for players in the insurance industry. Saturation of markets in many developed economies has made the Indian market even more attractive for global insurance majors. The insurance sector in India has come to a position of very high potential and competitiveness in the market. Indians, have always seen life insurance as a tax saving device, are now suddenly turning to the private sector that are providing them new products and variety for their choice. Consumers remain the most important centre of the insurance sector. After the entry of the foreign players the industry is seeing a lot of competition and thus improvement of the customer service in the industry. Computerization of operations and updating of technology has become imperative in the current scenario. Foreign players are bringing in international best practices in service through use of latest technologies The insurance agents still remain the main source through which insurance products are sold. The concept is very well established in the country like India but still the increasing use of other sources is imperative. At present the distribution channels that are available in the market are listed below. Direct selling  · Corporate agents  · Group selling  · Brokers and cooperative societies  · Banc assurance  · Customers have tremendous choice from a large variety of products from pure term (risk) insurance to unit-linked investment products. Customers are offered unbundled products with a variety of benefits as riders from which they can choose. More customers are buying products and services based on their true needs and not just traditional money back policies, which is not considered very appropriate for long-term protection and savings. There is lots of saving and investment plans in the market. However, there are still some key new products yet to be introduced e.g. health products. The rural consumer is now exhibiting an increasing propensity for insurance products. A research conducted exhibited that the rural consumers are willing to dole out anything between Rs 3,500 and Rs 2,900 as premium each year. In the insurance, the awareness level for life insurance is the highest in rural India, but the consumers are also aware about motor, accidents and cattle insurance. PLAYERS OF INSURANCE COMPANIES IN INDIAN MARKET LIFE INSURANCE COORPORATION OF INDIA ICICI PRUDENTIAL BIRLA SUN LIFE BAJAJ ALLIANZ SBI LIFE INSURANCE HDFC STANDARD TATA AIG MAX NEW YORK AVIVA OM KOTAK MAHINDRA ING VYSYA MET LIFE MEANING OF QUALITY SERVICE: (Quality of Service) Consistent performance. Certain network services need to be delivered at a certain minimum performance level to be useable for example, a video or audio clip will stutter and break up if the bandwidth is inadequate. QoS refers to a network systems ability to sustain a given service at or above its required minimum performance level. Short for Quality of Service, a networking term that specifies a guaranteed throughput level. One of the biggest advantages of ATM over competing technologies such as Frame Relay and Fast Ethernet, is that it supports QoS levels. This allows ATM providers to guarantee to their customers that end-to-end latency will not exceed a specified level. REVIEW OF LITERATURE Studies on life insurance consumption dates back to Heubner (1942) who postulated that human life value has certain qualitative aspects that gives rise to its economic value. But his idea was normative in nature as it suggested how much life insurance to be purchased and not what will be purchased. There were no guidelines regarding the kind of life policies to be selected depending upon the consumers capacity and the amount of risk to be carried in the product.The ongoing discussion also reveals that individuals current income and future anticipated consumption expenditure plays a crucial role in determining the amount of insurance purchased (we are, for a while ignoring the form in which insurance is purchased). The importance of rate of interest or the impatience factor is also worth considering. Preferences over different consumption pattern vary from person to person and there are qualitative factors which affects such preferences. Using the expected utility framework in a continuous time model, Yaari (1965) studied the problem of uncertain lifetime and life insurance. Including the risk of dying in life cycle model, he showed conceptually that an individual increases expected lifetime utility by purchasing fair annuities. Simple models of insurance demand were proposed by Pratt (1964), Mossin (1969), Smith (1968) and others; considering a risk adverse decision maker with an initial wealth. The results indicate that demand for life insurance varies inversely with the wealth of the individuals. Hakansson (1969) used a discrete-time model of demand for financial assets and life insurance purchase in particular to examine bequest motive in considerable detail. Headen and Lee (1974) studied the effects of short run financial market behavior and consumer expectations on purchase of ordinary life insurance and developed structural determinants of life insurance demand. They considered three different sets of variables: first, variables stimulating demand as a result of insurer efforts (e.g. industry advertising expenditure, size of the sales force, new products and policies, etc.); second, variables affecting household saving decision (e.g. disposable, permanent and transitory income, expenditure expectation, number of births, marriages, etc.) and lastly, variables determining ability to pay and size of potential markets (e.g. net savings by households, financial assets, and consumer expectation regarding future economic condition). They concluded that life insurance demand is inelastic and positively affected by change in consumer sentiments; interest rates playing a role in the short run as well as in the long run. Pissarides (1980) further extending Yaaris work proved that life insurance was theoretically capable of absorbing all fluctuations in lifetime income. Lewis (1989) found out that the number of dependents as an influence on the demand for life insurance. To sum up, the theoretical review yields macroeconomic variables like income, rate of interest, and accumulated savings in wealth form; along with a set of demographic or social variables having potential impact on an individuals decision to opt for or not to demand insurance. Life insurance consumption increases with the breadwinners probability of death, the present level of familys consumption and the degree of risk aversion. OBJECTIVES OF RESEARCH To find that which factors people keep in their mind sat the time of getting any insurance policy. TO know the service quality of insurance companies in Jalandhar city To know the perception of customers regarding insurance service in Jalandhar city. RESEARCH METHODOLGY Research is the systematic and objective identification, collection, analysis, dissemination and use of information for the purpose of improving decision making related to the identification and solution of problems and opportunities in making. RESEARCH DESIGN- DESCRIPTIVE RESEARCH FOR my study I have choose descriptive research design because in my study I have to know the effect of motivational forces. In this I have describe the effect of motivational forces. DATA SMPLING Data extent- Jalandhar (Punjab) Sample size-60 Sampling technique-Stratified sampling DATA COLLECTION PRIMARY DATA- Questionnaire SECONDARY DATA- Journals, magazine, newspaper. For my project, I have decided on primary data collection method by filling up the questionnaire from customers residing in jalandhar city I also followed secondary data collection method using various websites, journals and magazines for collecting information under my term paper project. LIMITATIONS Research was limited to Jalandhar city only. Some of the respondents were not ready to give proper response feeling risky to feel the questionnaire. Some of them were feeling unsecured by filling up the questionnaire. Most of the people were not aware of the importance of life insurance service in their life. They are not aware how useful life insurance can be for their family members if something happens to them. They are of the view that Insurance policies do not give good results They are not aware of modern unit linked insurance plans .they are still under the perception that if they take insurance they will get only 5-6%returns which in not true now days. People are still today not aware of the earning opportunity that an insurance service provides. FINDINGS LIC is the best service provider as compared to other insurance companies. Maximum of the respondents are not aware of benefits provided by insurance policies. Most of the people give more importance to life insurance policies as compared to other insurance policies. People think public insurance companies provide more security than private ones now days. Most of the people are also of the view that services provide by public insurance companies are better than private companies that is why most of them get insured their self and their family in public insurance company now days.

What Is Diabetes Type 1 Health And Social Care Essay

Type 1 Diabetes, which can be used to be called juvenile oncoming or Insulin-Dependent Diabetess Mellitus ( IDDM ) and normally appears during childhood, teenage old ages, or early maturity. It is an autoimmune disease, intending that the immune system has mistaken its ain pancreas for foreign tissue and destroys the pancreatic cells that produce insulin, which is a endocrine. As a consequence, people with Type 1 Diabetes produce about no insulin ( 1 ) . Furthermore, IDDM is largely inherited by the parent cell as the research said if you have a household member with Type 1 Diabetes, your hazard is approximately five to six per centum, compared to the hazard in general population which is 0.4 % ( 2 ) . Diabetes was the 7th prima cause of decease listed on U.S. decease certifications in 2006. This ranking is based on the 72,507 decease certifications in 2006 in which diabetes was listed as the underlying cause of decease ( 3 ) . Therefore, are at that place any possible solutions to g et the better of this job? Neuropathic ulcer may show on the pess of diabetic people. Beginning: hypertext transfer protocol: //www.epodiatry.com/resource/images/Edmond.gif ( 178 WORDS ) A POSSIBLE Solution Insulin pump therapy Alpha cell secrete glucagon Raises glucose degree Islet cell of the pancreas Beta cell secrete glucagon Lowers glucose degree In the Islet cell of pancreas, Beta cell makes insulin. When immune system destroys beta cell, insulin can non be produced. As a consequence the cells in our organic structures will non be able to treat the glucose and hence have no energy for motion ( 6 ) . Furthermore, the glucose is unable to be transferred from blood stream to the cells and the glucose degrees in the blood will be higher than normal. Hence, insulin pump therapy is needed to get the better of this job. ( 283 WORDS ) Insulin pump is a little mechanical device, a small larger than a beeper that is worn outside the organic structure, frequently on a belt or in a pocket. It delivers insulin into the organic structure via an extract set which is injected beneath the tegument at the extract site ( 7 ) . Nipro Diabetes Systems Amigo OmniPod Insulin Management System Nipro Diabetes Systems Amigo OmniPod Insulin Management System Examples of insulin pump. Beginning: hypertext transfer protocol: //www.childrenwithdiabetes.com/pumps/index.htm Graph 1 shows the age distribution at the clip of diagnosing for members of the Insulin Pumpers. Beginning: hypertext transfer protocol: //www.insulin-pumpers.org/about.shtml From graph 1, we can see that most of the users of pumpers are kids and adolescents. About 1119 insulin pumpers have been recorded until 25th of December 2009, which shows a great figure of populations that had been infected with this disease. ( 407 WORDS ) Over the old ages, a figure of different types and trade names of insulin have been developed to run into different demands.TypeBrand NameOnsetExtremumDurationRemarksFast playing Humalog Novolog 5 – 15 proceedingss 45 – 90 proceedingss 3 – 4 hours Human The fastest-acting insulin available Intermediate moving Humulin L Humulin N Novolin L Novolin N 1 – 3 hours 6 – 12 hours 20 – 24 hours Human Long moving Humulin U 4-6 hours 18-28 hours 28 hours Human Normally used in combination with a faster-acting insulin to supply proper control at mealtimes Ultra-long moving Lantus 1.1 hours No extremum Changeless concentration over 24 hours Human Injected one time day-to-day at bedtime Mixtures Humulin 50/50 Humulin 70/30 Novolin 70/30 Humalog Mix 75/25 Varies Varies Varies Varies Varies Varies The Numberss refer to per centum of NPH ( 1st figure ) and regular ( 2nd figure ) Available in phials, pen-fill cartridges, and prefilled panpipes 75 % NPL ( a new NPH preparation ) and 25 % lispro ; available in disposable pen. Beginning: hypertext transfer protocol: //www.lifeclinic.com/focus/diabetes/supply_insulin.asp The end of insulin pump therapy is to copy the insulin secernment form which can be seen in people without diabetes. Normally there are two form of insulin release: Basal insulin or background insulin which is continuously released from the beta cells and regulates the glucose production from liver. Bolus insulin, which is insulin released in response to nutrient and controls the glucose alterations after repasts ( 2 ) . There are four types of bolus form which can assist the pumpers to find what is best for any given nutrient and by accommodating the bolus form to their demands, it will better control of blood sugar. Standard bolus.JPGExtended bolus.JPG Combo bolus.JPGSuper bolus.JPGSource: hypertext transfer protocol: //en.wikipedia.org/wiki/Insulin_pump All the graphs show the bolus form in order to find what the best nutrient is should be taken in order to better control of blood sugar. The standard bolus people should take low protein and low fat repasts while extended bolus diabetic covering high fat high protein repasts such as steak, which will be raising blood sugar for many hours past the oncoming of the bolus. Furthermore, those who have combination bolus is appropriate for high fat repasts such as pizza and cocoa bar but the ace bolus people must take certain nutrients ( like sugary breakfast cereals ) which cause a big post-prandial extremum of blood sugar. It attacks the blood sugar extremum with the fastest bringing of insulin that can be practically achieved by pumping. SOCIAL AND ECONOMIC IMPLICATION First and first, after being diagnosed as diabetic, some of them can non accept the fact and take some clip to mourn their loss. Some of them might fell depressed for illustration Katherine G who was diagnosed with diabetes and maintain inquiring what had I done incorrect? And wanted to thwack every overweight individual she saw ( 1 ) . They besides worried about the following coevals as Type 1 Diabetes is inherited and acquire stress believing about the complication of diabetes which cause them to utilize wheelchair because has no pess and besides being wheeled in order to utilize the dialysis machine. They may lose their ego regard to confront the universe. Some might be under force per unit area as they have to be strict on their nutrient consumption as they have to follow the diet for diabetic and they need to take a batch of medical specialty and besides injection. In order to acquire the intervention for diabetes, more money has to be disbursement as the pumpers are high in cost. Diabetes impacting the earning or active member of the household affects non merely that single but might frequently hold important consequence on the household. The economic load of diabetes is increasing as the epidemic grows. As per WHO estimates, diabetes drains a important per centum of the wellness budget by cost towards direct diabetes attention and diabetes related disablements. Diabetess associated complications account for 60 % of diabetes related direct wellness attention costs and about 80-90 % of indirect costs. In India, for illustration, the poorest people with diabetes spend an norm of 25 % of their income on private attention. The most that they can pay for are interventions that keep them alive by blunting the highest, rapidly fatal degrees of blood sugar. In 2007, the universe is estimated to pass at least USD 232 billion to handle and forestall dia betes and its complications. By 2025, this lower-bound estimation will transcend USD 302.5 billion ( 11 ) . BENEFIT AND RISK Advantages BEST hbA1c ‘s before the pumpBEST hbA1c ‘s utilizing the pump The graph shows the hbA1C degree before and after utilizing insulin pump. Beginning: hypertext transfer protocol: //www.insulin-pumpers.org/about.shtml The degree of hbA1C lessenings with an norm of 6.3 after utilizing the insulin pump. So, it can take down the hazard of developing long-run complications for case shot, bosom disease, sightlessness, kidney failure and besides amputation. Pumpers have been shown to see lesser episodes of terrible hypoglycemia than those who take injections, including during the dark. Clinical surveies shown that utilizing fast moving insulin, the glucose control can be improved with less hazard of hypoglycemia. Furthermore, the pumper can maintain up-to-date with their day-to-day agenda. They are flexible to travel and free to make what they want for illustration they can maintain on the pump during exerting in the eventide. Insulin pumpers require an extract set alteration merely approximately three times a hebdomad, or 156 interpolations a twelvemonth but the injection can accomplish mean more than 1,400 injection per twelvemonth. Disadvantages An episode of diabetic diabetic acidosis aa‚ ¬ † province of unequal insulin degrees ensuing in high blood force per unit area and accretion of organic acids and ketones in the blood may take topographic point if the pumpers do non have sufficient sum of fast acting insulin for many hours. There is high hazard of infection if the catheter site of cannula has non been changed every three yearss and besides skin reactions such as roseolas may look at the site of cannula. This therapy is really expensive as pumps are high monetary values. By utilizing insulin therapy, the society might cognize that you have diabetes since this is one of the popular ways to bring around it ( 12 ) . Some of diabetic might develop film overing vision shortly after get downing insulin due to a alteration of lens refraction and it will rectify itself within two to three hebdomads ( 13 ) . ALTERNATIVE SOLUTIONS Diet for diabetics If diabetes people eat excessively much, diabetic control will deteriorate but if they eat excessively small, leads to hypoglycaemia. Carbohydrate must be taken in little sums for aged and sedentary but in big sum for active people like adolescents. This must be taken at chief repasts illustration breakfast, tiffin and dinner ( 13 ) . When taking on empty tummy, intoxicant can take down down the glucose degree. Diabetics should restrict saccharide in liquid signifier as they are quickly absorbed. Furthermore, they should extinguish all refined sugars and starches and must intake a batch of fibre-rich veggies and fruits in their diet. This is because fibers slow down glucose soaking up and prevent high glucose degrees after repasts. They must take protein and restricted ruddy meats and besides trans-fats. Saturated fats must be reduced and take a batch of bosom healthy mono-saturated fats and omega 3. Exerting Peoples, who exercise on a regular basis, when compared to those who do non exert, diminish their opportunity of developing diabetes by 30 to 50 % . Exercise aid by bettering the bodyaa‚ ¬a„?s to utilize insulin and causes cholesterin degree and blood force per unit area to drop ( 14 ) . Aerobic exercising Burnss Calories to assist in pull offing the weight, beef up the bosom and lungs and gives endurance. In other word, it improves the bodyaa‚ ¬a„?s ability to utilize insulin and prevent diabetes. We must make warm up and chill down earlier and after exerting. Take at least 20 proceedingss and three times a hebdomad to exercising. Furthermore exercising can increase the consumption of glucose by musculuss therefore increase in carbohydrate consumption. We must take adequate saccharide before exerting but overdose of saccharide will consequences in hyperglycemia. As diabetes, insulin must be sufficient before and after exercising because strenuous exercisi ng and deficient insulin will decline diabetic control ( 15 ) . Supplement vitamin and herbs Vitamin E helps fade out fresh coagulum in venas and cut down the O demand of tissue and cell. Furthermore, it besides helps to from new tegument ( in mending the ulcer and Burnss ) and increases the blood supply to weave, therefore reduces diabetes sphacelus and amputations. Vitamin E reduces the demand for insulin in 30 % of diabetes ( 16 ) . Biotin is B vitamin that maps in industry and usage of saccharide, fat and amino acids. It enhances insulin sensitiveness and increase the activity of enzyme glucokinase, enzyme responsible for the first measure in the usage of glucose in liver as this enzyme is low in diabetic. It besides helps in the intervention of diabetic neuropathy ( 17 ) . Evaluation

Hypertension Is Characterized By Chronic Elevated Blood...

Background Hypertension is characterized by chronic elevated blood pressure1. It can be a predisposing factor or secondary to heart failure. In the US, there are 75 million individuals who have hypertension with two thirds of individuals 65 years or older diagnosed. Various factors can contribute to the development of hypertension including renal disease, thyroid disease, dysregulation of hormones, and alcohol consumption. The disease also highly correlates with age as even individuals 55 years old with normal blood pressure have a 90% lifetime risk of developing hypertension with age. Left untreated, hypertension can result in retinopathy, cardiomyopathy, and stroke with the most common cause of death being coronary artery disease. The diagnoses of hypertension is primarily done by the monitoring of blood pressure with multiple readings of systolic pressure greater than 140 mmHg and diastolic pressure greater than 90 mmHg indicating stage one hypertension1,2. The evaluation of the eyes, heart, thyroid, and renal system are also important in understanding the cause and extent of hypertension. Initial treatment involves lifestyle and diet modifications such as exercise, smoking, cessation, and limited sodium intake. Patients unresponsive to lifestyle and diet modification or have a blood pressure greater than 160/100 mmHg are recommended by the American Heart Association to begin drug therapy. Current JNC-8 guidelines dictate the goal of treatment to reduce blood pressure

Comparative Essay Outline Fahrenheit 451 vs. the Time...

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Chapter Study Questions 1 2 Essay - 1109 Words

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Hostel Implementation Free Essays

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Evaluation Study on Construction of Hostels For SC Boys Girls ALL INDIA (REPORT) Programme Evaluation Organisation Planning Commission, New Delhi, April, 2009 CONTENTS Chapters Topic Preface Executive Summary Chapter – 1 Introduction – Background of the Scheme – Objective of the Scheme – Guidelines for Initiating Hostel Proposal – Procedure for obtaining Central Assistance – Evaluation Study – The Scheme in Selected States Page No. I-II i-xiii 1–2 Chapter – 2 The Evaluation Study – Objectives Methodology – Objective of the Study – Sample Design – Reference period of the Study and Starting of field survey – Methodology/Instruments used for Data Collection – Data Analysis and Report Writing 3–6 Chapter – 3 Planning, Implementation Monitoring Method of Scheme – Role of Nodal Ministry – Role of State Nodal Department – The Level at which Proposals Initiated – The Approval Procedures of the Scheme – The Process of Implementation of the Schemes in the State vis-a-vis General Guidelines – Achievements of Physical Targets – Role of PRIs/Local Bodies under the Scheme in Construction Maintenance of the Hostels – Local Political/Bureaucratic Interference in Selection of Hostel Sites – Objective Criteria for Selecting the Location of Hostel – Inspection by State/District Administrative Authorities – Involvement/Role of NGOs – The Monitoring and Reporting System Prevailing under this Scheme, Including the Construction Stage 7 – 19 Chapter – 4 Allocation of Grants and Expenditure on Hostel 20 – 27 – Funding Pattern under the Scheme – Modality of Release of Fun d – Release of State Share – Release of Central Share – Utilization of fund Chapter – 5 Functioning and Suitability of Hostels including Facilities 28 provided to Inmates 49 – The Suitability of Locations – Layout of Construction in Case of New Hostels – Use of Hostels Constructed under the Scheme – Availability, Quality Maintenance of Facilities Provided in the Hostel †¢ Dining Hall cum Kitchen in the Hostel †¢ Food Provided to the Inmates and its Quality †¢ Annual Charges Paid in the Hostel †¢ Maintenance of Hostel Toilets †¢ Water Supply to the Hostels †¢ Supply of Food grains at Concessional Rates to SC Hostels – Facilities Provided to the Inmates – The Role of Nodal Department in Management and Maintenance of the Hostels Chapter – 6 Observations on the Impact of the Scheme – The Outcomes of the Scheme in Terms of Availability and uses of the Hostel by the Target Group – Impact of Scheme on Educational Development of SC Boys and Girls 2001 Census 50 †“ 55 Chapter – 7 Recommendations Project Team 56-57 58 PREFACE The Centrally Sponsored Scheme (CSS) of construction of new hostels as well as expansion of existing hostels for SC girls was initiated in 963-64 so as to give an impetus to education of girls belonging to the SC community. During 1989-90, based on the recommendations of the Working Group on the Development and Welfare of SCs and STs, this scheme was extended to SC boys also. We will write a custom essay sample on Hostel Implementation or any similar topic only for you Order Now The scope of the scheme was enlarged further to cover institutions of higher education/learning such as colleges and universities. The main objective of the CSS is to provide free boarding and lodging facilities in the hostels for SC boys and girls studying at Schools and Colleges/University levels. In order to integrate the SC students with the mainstream, 10 percent of total accommodation in such hostels was left for non-SC students. At the instance of the Ministry of Social Justice and Empowerment, the Programme Evaluation Organisation, Planning Commission, conducted an evaluation study of the scheme in 8 selected states. The study was launched in November, 2004 with the following objectives: (i) (ii) (iii) (iv) (v) (vi) To study the approval procedures of the proposals for construction of hostels. To study the process of implementation of the scheme in various States vis-a-vis the guidelines. To assess financial physical performance of the scheme. To assess the extent of utilization of hostel facilities by the target group. To study the monitoring reporting system prevailing under this scheme, including that at construction stage. To assess the outcome of the scheme in terms of the use of the hostels by the target groups. In order to generate the required data base the study covered 185 hostels from CSS, 65 hostels from 100 percent state funded and 15 hostels constructed by NGOs which were sampled from Eight selected states, namely, Andhra Pradesh, Bihar, Haryana, Karnataka, Madhya Pradesh, Orissa, Rajasthan and Uttar Pradesh. Besides, two Central Universities (JNU-Delhi and Central University, Hyderabad) were also covered in the study. The main findings of the study are as follows: The construction agency in most cases was the state PWD which took up construction work through approved contractors. The hostels, after completion, were handed over to the concerned District Social Welfare Officer in most of the states. The Panchayati Raj Institutions/local bodies played very little role in most states. The visit of the district officials to the hostels either during the construction period or later was casual in most states. The time taken in release of the state share to construction agencies varied considerably from state to state from two months to six months or even more after the release of central share. About 80 percent of the hostels were found functional at the time of visit of PEO’s study team. Most of the non-functional hostels were in Uttar Pradesh. Whereas Bihar had three such hostels followed by Karnatka and Orissa which had two each. This was due to absence I of basic requirement/amenities, wrong selection of site and without assessing the need for SC students in that area. About 6 percent of the hostels were found being used for other purposes such as office, library, class rooms etc. All these hostels were in Bihar, Orissa and Uttar Pradesh. Fifteen hostels in five states namely Haryana, Karnataka, Madhya Pradesh, Orissa and Uttar Pradesh were under construction at the time of visit of the study team to these hostels. Out of these 15, in six cases, the construction had been stopped due to land disputes in the case of Uttar Pradesh and due to constraint of funds in Karnataka. Hostels were overcrowded in Andhra Pradesh, Karnataka, Orissa and Rajasthan where average occupancy per room exceeded 10 and upto 30 or even beyond this number in some hostels of Andhra Pradesh. You read "Hostel Implementation" in category "Papers" On the other hand, hostels in Bihar, Haryana, Madhya Pradesh and Uttar Pradesh, were underutilized. In the hostels under 8 districts of Uttar Pradesh and 8 districts of Bihar, inmates themselves cooked food in their rooms as the servant cum cook appointed for the purpose were reported to be deployed elsewhere by the authorities. In almost all the hostels, maintenance of hostel building and toilets was unsatisfactory. 90 percent hostel Wardens reported that the release of fund for salary of hostel staff was received in time. However, grant for meeting day to day maintenance expenditure was in time only in56 percent cases. The scheme had significant outcome in terms of establishment of hostels in three states only namely Andhra Pradesh, Madhya Pradesh and Karnataka. Other states i. e. Orissa and Rajasthan did not take full advantage of the scheme while the scheme totally flopped in Bihar with negligible effect. On the whole, the hostels benefited the target group of very poor SC/ST students coming for studies from long distances. But the outcome in Bihar has been poor. The performance of the programme could considerably be improved if the suggestions made in the report could be suitably implemented. The study received continuous support and encouragement from Hon’ble Deputy Chairman, Planning Commission and Member (Evaluation), Planning Commission. The study was designed and conducted under the direction of Shri K. N. Pathak, the then Deputy Adviser in PEO. The services of Institute for Resource Management and Economic Development, Delhi were availed for tabulation, interpretation and analysis of data and preparation of report. Shri L. N. Meena, Economic Officer, PEO assisted the research institute in Data processing, Chapter Plan, Tabulation report drafting under the guidance of Project Director Sh. K. N. Pathak. Dr. R. C. Dey, Director, PEO gave a final shape to the present report and Mrs. Godhuli Mukharjee, Director, REO, Kolkata edited the same under guidance of Dr. Davendra Verma, Adviser (PEO) and my supervision. The list of the Officers involved in the study is given at the end of the report. The help and cooperation received from all of them is gratefully acknowledged. S. Bhavani Sr. Adviser(PEO) New Delhi Dated: April, 2009 II Executive Summary I. †¢ Background Objectives of the Scheme Construction of hostels within or near to the campus of educational institutions was visualized by planners as one of the means to enable and encourage boys and girls belonging to Scheduled Castes(SC) community to improve access to education. Government of India, therefore, started the Centrally Sponsored Scheme (CSS) of construction of new hostels as well as expansion of existing hostels for SC girls in 1963-64 so as to give an impetus to education of girls belonging to the SC community. During 1989-90, based on the recommendations of the Working Group on the Development and Welfare of Scheduled Castes and Scheduled Tribes, this scheme was extended to SC boys also. The scope of the scheme was enlarged further to cover institutions of higher education/learning such as Colleges and Universities. The main objective of the CSS is to provide free boarding and lodging facilities in the hostels for SC boys and girls studying at Schools and Colleges/University levels. In order to create social homogeneity and equity 10 percent of total accommodation in such hostels was left for non-SC students. The Ministry of Social Justice and Empowerment which is the nodal ministry for construction of hostels for SC boys and girls, invites applications from areas having: (i) (ii) (iii) (iv) (v) High concentration of SC population and Low literacy among SCs in the area. Inadequate hostel facilities Adequate availability of school going SC children. Adequate number of educational institutions Good accessibility and safety of girl students. †¢ †¢ †¢ The Ministry has also laid down certain procedures for obtaining central assistance for construction of hostels for SC boys and girls. i Evaluation Study †¢ At the instance of the Central Ministry, the Programme Evaluation Organisation, Planning Commission, conducted an evaluation study of the scheme in 8 selected states. The study was launched in November, 2004. The study covered the period from 1963-64 to 2002-03. But for the selection of sample, hostels constructed during 1992-93 to 2002-03, were considered. †¢ The Broad Objectives of the Evaluation Study: To study the approval procedures of the proposals for construction of hostels. (ii) To study the process of implementation of the scheme in various States vis-a-vis the guidelines. (iii) To assess financial physical performance of the scheme. (iv) To assess the extent of utilization of hostel facilities by the target group. (v) To study the monitoring reporting system prevailing under this scheme, including that at construction stage. (vi) To study the role of nodal Departments at the State/UT level and those at the district/block level in proper utilization, maintenance and upkeep of the hostels. vii) To assess the outcome of the scheme in terms of the uses of the hostels by the target groups. (viii) To analyze the impact of the scheme on educational attainment of SC boys and girls during the period between 1991 census to 2001 census. II. †¢ (i) Methodology Eight States where the scheme had made considerable progress and represent ing different regions namely Andhra Pradesh, Bihar, Haryana, Karnataka, Madhya Pradesh, Orissa, Rajasthan and Uttar Pradesh, were covered in the sample survey. Besides, Two Central Universities were also covered in the evaluation study. Sixty eight districts constituting about 20 percent of the districts of the selected states were covered in the sample for detailed study. These districts were selected from two types of states namely (i) those having hostels more than the average number of hostels per district and (ii) those having hostels less than the average number of hostels per district. It was decided to canvas a supervisor schedule from one official in each hostel involved in construction/supervision of construction of the hostels. †¢ †¢ ii †¢ This was restricted to hostels constructed under the centrally sponsored scheme (CSS) only as relevant information regarding state funded hostels were not likely to be available readily. In all, 185 hostels from CSS, 65 from 100 percent state funded and 15 constructed by NGOs, were covered under the study. Ten boarders per hostel upto the sanctioned strength of 100 and 5 boarders per hostel having the sanctioned strength of less than 100, were selected. In all, 1417 inmates were covered in the study. Two ex-inmates subject to availability were selected randomly from each hostel. A total of 368 ex-inmates were contacted during the study. A total of 210 knowledgeable persons, i. e. roughly one per hostel, were also contacted to elicit their views regarding functioning of such hostels. Two Central Universities (JNU-Delhi and Central University, Hyderabad, Andhra Pradesh) and five State funded Universities from Haryana were covered under the study. Nine types of schedules as per details provided below were administered for getting information at different levels. †¢ †¢ †¢ †¢ †¢ †¢ Type of Schedule State Level* District Level** Officials involved in Construction Level Hostel Wardens Inmates Ex-inmates Knowledgeable Persons NGOs Level University Level Schedule*** No. Canvassed 7 67 191 211 1417 368 210 8 7 * Indicates that State Level Schedule of Uttar Pradesh has not been received so far. ** As new district Sant Kabir Nagar not having its own staff, its work was carried out by the staff of Basti district. Therefore only one district level schedule was canvassed for the both districts viz. Basti and Sant Kabir Nagar. *** 2 Central Universities (JNU,Delhi Central University,Hyderabad) +5 State Funded Universities in Haryana. iii III. †¢ Planning, Implementation and Monitoring The Ministry of Social Justice and Empowerment, GOI had formulated certain guidelines for initiating proposals and obtaining central assistance for construction of hostels for SC boys and girls. Proposals in the prescribed form received by state governments from the level of district and down below for construction of hostels were forwarded to the nodal Ministry for getting necessary sanction. The Ministry, in turn, examined the physical and financial progress of the hostels sanctioned earlier and released necessary funds to the concerned states for construction of such hostels. For release of funds by the nodal ministry, the following requirements were considered. (i) A certificate regarding availability of land (ii) Site plan of the proposed hostels (iii) A certificate that the estimates are prepared as per latest PWD/CPWD norms. iv) Detailed cost estimates of the proposed hostel (v) Physical progress of hostels constructed since 1992. (vi) H ostel-wise, year-wise statement of utilization of State as well as Central shares in the prescribed proforma. (vii) Matching share of State Governments/Universities/NGOs. †¢ †¢ In most of the States, Department of Social Welfare at the state level acted as the nodal department for construction of hostels for SC boys and girls. It implemented the scheme through its administrative setup at the district level and down below in different areas. Proposals for construction of hostels were initiated at different levels such as district, taluka and panchayat. The approval for construction of hostels was generally given by the state nodal department i. e. the Department of Social Welfare, after ensuring the fulfillment of prescribed norms under the guidelines. Number of hostels to be constructed every year depended largely on the availability of funds. State Public Works Department (PWD) provided technical help such as approval of design, cost estimates etc. in respect of construction of hostels for SC boys and girls. †¢ †¢ †¢ †¢ iv †¢ Officials involved in the construction of hostels, designated here as supervisors, were involved in construction activities in a number of ways. Cost estimation, and supervision of construction were among important activities performed by them (Table – 3. 1). About 53 percent of supervisors acknowledged that they had received guidelines for construction of hostels. The majority among them were from Orissa, Madhya Pradesh and Andhra Pradesh while in Delhi and Karnataka not a single supervisor received any guidelines. (Table – 3. 2). The guidelines issued to supervisors contained components like procurement of land, sanctioning of work, release of fund for work, implementation and monitoring of work (Table – 3. 3). The administrative set up for implementation varied from state to state. The construction agency in most cases was the state PWD which took up construction work through approved contractors. In a majority of cases, i. e. 1 percent, guidelines for making special provision for physically handicapped were not issued to the supervisors (table 3. 4). †¢ †¢ †¢ †¢ Quality of Work †¢ As reported by supervisors, in 75% percent cases, the materials used for construction, were tested by quality control wing of state PWDs. Regular supervision by higher officials also helped in the process (Table – 3. 5). Notwithstanding the above, the field study team found defects in the erected structures in some states i. e. Rajasthan, Madhya Pradesh, Orissa and Uttar Pradesh. The problem faced by the supervisors in Madhya Pradesh and Karnataka related to the fund not being received in time for construction, where as in Bihar, problem of land dispute was reported. On the other hand, no problem was reported from Andhra Pradesh, Haryana and Rajasthan in this respect. The hostels, after completion, were handed over to the concerned District Social Welfare Officer in most of the states. There was a mixed picture across the sample states with respect to achievement of physical targets. For example, in states like Andhra Pradesh, Madhya Pradesh and Orissa targets were more or less fully achieved. On the other hand, in states like Karnataka and Rajasthan †¢ †¢ †¢ v achievements were reported to be far behind the targets, while in Bihar only 4 boys hostels out of a target of 40 could be constructed during the 11 year period (Table-3. 6). †¢ The Panchayati Raj Institutions/local bodies played either very little or no role in most states as reported by the district authorities and Supervisors, both as can be seen from table – 3. 7. By and large, there was no political/bureaucratic interference in the selection of hostel sites except in some cases in Uttar Pradesh and Haryana. In most of the selected districts, the objective criteria laid down in the guidelines for selection of hostel sites, were largely followed. However, some exceptions were reported in Rajasthan and Uttar Pradesh. In Rajasthan district level bureaucracy is reported to have played a dominating role in selection of hostel locations while in Uttar Pradesh selection of hostel site was largely determined by political and bureaucratic pressure groups. The visit of the district officials to the hostels either during the construction period or later was casual in most states due to (i) the hostel scheme being not a priority (ii) Grants for the scheme is not routed through the District Welfare Officer (iii) there is excess workload too many meetings at district level and lack of infrastructure facility like vehicle, staff etc. In Andhra Pradesh such visits were regular and frequent. Visits of the state officials were mostly casual. The supervisors, however, visited the construction sites very frequently(Table-3. 9 3. 10) Haryana was the only state where NGOs were involved for the construction and upkeep of the hostel. Most of the supervisors (81 percent) sent progress reports on monthly basis during the course of construction out of them 69% sent MPRs to district level officials concerned (Table-3. 14). There was a mixed picture across the states with regard to sending progress report by hostel wardens about maintenance and upkeep of hostels. It was only in 54 percent cases that the wardens sent the progress report to the concerned district level Social Welfare Officials. Some wardens in Bihar, Karnataka, and Uttar Pradesh did not send any progress reports to the district administration about their hostel. †¢ †¢ †¢ †¢ †¢ †¢ vi V. †¢ Allocation and Utilisation of Funds The Ministry of Social Justice and Empowerment, Govt. of India has laid down certain norms for funding various agencies for construction of hostels for SC boys girls. The hostels constructed under CSS have 50:50 percent matching shares of state and central govt. for construction of hostels under central Universities. Central share goes upto 90 percent and remaining 10 percent is borne by Universities themselves. As far as grant to state Universities/NGOS hostels is concerned, 45 percent burden is borne by centre and 45 percent by the state government while the remaining 10 percent is to be contributed by the state University/NGOs. An analysis of the data collected from the various nodes of the implementing agencies reveals that: An amount of Rs. 22,230 lakh was spent for construction of hostels during 1992-93 to 2002-03 of which Government of India’s share was about 50 percent and state governments’ share was about 46 percent. The balance 4 percent was contributed by universities/NGOs (Table-4. 2). In 43 percent cases, state governments released their share in advance directly to the executing agencies on the basis of estimates submitted by them while in 22 percent cases; the state share was released in installments only after receipt of the Government of India share, on the basis of progress of construction. The more frequently encountered preconditions for release of fund by the state governments were availability of owned land, cost estimates based on CPWD/PWD rates and selection of construction agency. The officials in a few districts in Bihar, Orissa and Rajasthan were, however, not even aware of any preconditions. The time taken in release of the state share to construction agencies varied considerably from state to state from two months to six months or even more after the release of central share. The Central share was released to the Finance Department of the concerned states from where it was further transferred to the state nodal department i. e. Department of Social Welfare. In many states the transfer of the central share from the Finance Department to the state nodal department was delayed. This delay was reported to be 1 month in Karnataka , 2-3 months in Haryana and Rajasthan, and in case of Bihar it is inordinate due to complicated procedure. †¢ †¢ †¢ †¢ †¢ vii †¢ Time taken by the Government of India in releasing the central share after receiving applications from the state governments was negligible in the case of Andhra Pradesh but several months in the case of Bihar and Orissa because of inadequacies on the part of respective state governments. In case of Bihar, a reason for this could have been the availability of huge amount of unutilized fund (i. e. Rs. 360. 23 Lakh) from earlier years resting with the state govt. There was a reasonably good convergence between sanctioned costs and actual expenditure in most states except Andhra Pradesh, Delhi(JNU) and Karnataka there the actual expenditure was observed to be higher than the estimated cost. Per inmate, average expenditure on construction of hostels varied widely across the different states from Rs 85606 in Haryana to Rs 21918 in Orissa and Rs. 178720 in Delhi(JNU). Norms of ceiling on expenditure fixed by the Union Ministry were violated in most of the states. Functional Status of Hostels About 92 percent Wardens and 87 percent Knowledgeable persons viewed the location of hostels as suitable. In Karnataka, Madhya Pradesh and Uttar Pradesh Wardens(8%) and Knowledgeable persons(13%) both are not satisfied with the location of hostels while only Knowledgeable persons are not satisfied in Haryana and Orissa and only one Warden not satisfied in Rajasthan. Reasons varies from sites being not accessible by easy approach road, non-availability of drinking water, electricity etc. (Table-5. 1). About 80 percent of the hostels were found functional at the time of visit of PEO’s study team. Most of the non-functional hostels were in Uttar Pradesh. Bihar too had three such hostels followed by two each in Karnataka and Orissa. Reasons were absence of basic requirements, wrong selection of site and improper assessment of need for hostel for SC students (Table-5. 2- A). About 6 percent of the hostels were found being used for other purposes such as office, library, class rooms etc. All such hostels were in Bihar, Orissa and Uttar Pradesh (Table-5. 2-B). Fifteen hostels in five states namely Haryana, Karnataka, Madhya Pradesh, Orissa and Uttar Pradesh were under construction at the time of visit of the study team to these hostels. Out of these 15, in six cases, the †¢ †¢ VI. †¢ †¢ †¢ †¢ viii construction had been stopped either due to land disputes in the case of Uttar Pradesh and or due to constraint of funds in Karnataka(Table-5. 2-C). †¢ Hostels were overcrowded in Andhra Pradesh, Karnataka, Orissa and Rajasthan where average occupancy per room exceeded 10 and reached upto 30 or even beyond this number in some hostels of Andhra Pradesh. On the other hand, hostels in Bihar, Haryana, Madhya Pradesh and Uttar Pradesh, were underutilized. Taking the country as a whole, average occupancy per room was 11 to 20. All functional hostels had dining halls attached to the kitchen but some of them in Rajasthan and Uttar Pradesh were in dilapidated condition Inmates in most hostels were provided food. The quality of food was considered good only in Andhra Pradesh whereas in Karnataka, Haryana, Madhya Pradesh, Orissa and Rajasthan, the quality of food was a mix between good and average. But in Uttar Pradesh there is no mess facility except in a few hostels of Gonda and Allahabad districts where some inmates reported about quality of food as average. In Bihar, no free food is given to inmates in hostels. In Madhya Pradesh 50 inmates of eleven selected hostels reported that either mess facility is not available in the hostel or food is not provided free. They paid for the food from their stipend amount. Similarly 15(43%) inmates in Orissa paid to the hostel management for food or ate outside the hostel. In the case of Haryana also, the information on the quality of food is available from 18 inmates in Kurukshetra district only, while for the remaining districts food was not provided free of cost to inmates. Over all only 41 percent of the inmates reported the quality of food in the hostels as good. In the hostels under 8 districts of Uttar Pradesh and 8 districts of Bihar, inmates themselves cooked food in their rooms as the servant cum cooks appointed for the purpose were reported to be deployed elsewhere by the authorities(Table 5. 4-A). In 42 percent of the selected hostels in Uttar Pradesh, inmates wanted supplies of Kerosene oil on BPL rates for cooking and lighting(Table 5. 4-B). In states like Andhra Pradesh, Karnataka, Madhya Pradesh, Rajasthan and Uttar Pradesh, no annual charges were levied on inmates whether SC or non-SCs. But in other states i. e. Haryana and Orissa some charges were levied on inmates. In Bihar there is no mess facility in the hostel. Inmates themselves had to cook their food or get the food from outside on payment. †¢ †¢ †¢ †¢ †¢ ix †¢ In almost all the hostels, maintenance of hostel building and toilets was unsatisfactory. Drinking water supply facility was available in 64 percent hostels as reported by the inmates. But in Bihar, Karnataka, Rajasthan and Uttar Pradesh a majority of inmates felt that either water supply was not available at all or it was inadequate for the hostels. Supply of food grains at concessional rates at par with BPL rates was available to hostels as reported by wardens, in the states of Andhra Pradesh, Karnataka, Madhya Pradesh, Orissa and Rajasthan and to some extent in Haryana but were not made available in Bihar and Uttar Pradesh, as can be seen from views of Wardens presented in Table – 5. 7. Facilities provided free of cost to inmates included accommodation, bedding/cot, free food and drinking water. Similarly, free text books, newspapers/magazines, articles for sports games, first aid etc. were also supplied to a number of inmates free of cost. Among other facilities provided free of cost in the hostels were hair cutting facilities, telephone and transport allowances. In a majority of cases these services were rated as good. About 87 percent boarders were paid scholarships while staying in hostels. Around 13 % of them received amount Rs. 51/- to above Rs. 00/per month (Table – 5. 9). As reported by 59 percent inmates, there were proper security arrangements in the hostels. 64 percent inmates reported that there was sufficient potable drinking water in the hostels. 47 percent inm ates reported that there were bath/common rooms in their hostels. 45 percent of them also reported that they got stipend while staying in hostels. The position with respect to study aids like bench/table etc were found to be grossly inadequate in the hostels of Andhra Pradesh, Karnataka, Madhya Pradesh, Rajasthan and Uttar Pradesh. Even in the sample hostels for SC boys and girls in Orissa, benches or tables were not provided. About 92 percent inmates reported that overall atmosphere in the hostels was congenial Maintenance of the hostels was the responsibility of the District Social Welfare Officers who appointed wardens to carry out various functions related to maintenance of building and ancillary activities. †¢ †¢ †¢ †¢ †¢ †¢ †¢ †¢ x †¢ About 74 percent wardens reported that they had received guidelines for maintenance of hostels while the remaining 26 percent informed that such guidelines were not provided. 87% percent hostel Wardens reported that the release of fund for salary of hostel staff was received in time. However, grant for meeting day to day maintenance expenditure was in time in only 56 percent cases. In a majority of districts, fund was released on monthly basis for salary The behavior of hostel wardens in respect of sorting out problems was satisfactory, as reported by both inmates and ex-inmates. Andhra Pradesh is the only state where hostel wardens did not face any problem in management of hostels. A major problem faced by wardens in Karnataka and Madhya Pradesh was that they were over burdened since additional charges of more than one hostel were placed on them. The problem of fund constraint was reported by wardens from several states. Inadequate basic amenities were another problem mentioned by Wardens in 56% of selected states (Table-5. 18). Major suggestions given by wardens for improved functioning of hostels included provision of (i)adequate basic amenities,(ii) funds for regular maintenance (iii) adequate grant for meeting the food expenditure of the inmates and(iv) regular warden/hostel staff in the hostels. During the year between 1995-96 to 2004-05, a total of 49,384 students applied for admission into these hostels of whom about 93 percent were actually admitted. Of those admitted, about 69 percent were SCs, 11 percent ST and 14 percent from other categories. But in Haryana, the norm regarding intake of SC students was violated as the proportion of SCs admitted to hostels constructed/renovated by NGOs accounted for only 30 percent (Table – 5. 20). †¢ †¢ †¢ †¢ †¢ †¢ VII. Impact of the Scheme †¢ The scheme had significant outcome in terms of establishment of hostels in Andhra Pradesh, Madhya Pradesh and Karnataka only. Other states i. e. Orissa and Rajasthan did not take full advantage of the scheme while the scheme nearly flopped in Bihar with negligible effect. In Haryana inmates from the SC category were less than half (30%) of the total strength which amounted to violation of the objective of the Scheme. In case of Uttar Pradesh a number of hostels were not being used by the beneficiaries due to various reasons. xi †¢ The occupation of 35% of the parents of inmates was cultivation while this proportion was higher (76%) in case of ex-inmates. Parent’s occupation as agricultural and non-agricultural labour among inmates, accounted for 42 percent against 22 percent from ex-inmate category. Haryana, however, had a different picture. Students from somewhat better off SC families were admitted to hostels run by NGOs in Haryana. About 78 percent of the inmates came from poor families having monthly income of less than Rs. 3000 and 26 percent were very poor having monthly income upto Rs. 1000 only. But Bihar and Haryana had much greater proportion of inmates from better off families about 42% of inmates and as high as 77% of ex-inmates came from families having monthly income above Rs. 5000/-. 54% inmates and 38% ex-inmates reported that they came to stay in the hostels from a distance exceeding 20 km or more from their residences. On the whole, the hostels benefited the target group of very poor SC/ST students coming for studies from long distances. But the outcome in Bihar has been poor. Overall increase in the literacy rate among SCs in 2001 census compared to 1991 was 17 percent for males and 18 percent for females. Part of this increase could be due to other factors also. About 94 percent of inmates were of the view that the scheme of construction of hostels for SC boys and girls had brought about a considerable improvement in the educational development among SC boys and girls. This percentage is lower in Uttar Pradesh, Haryana, Bihar and Orissa. †¢ †¢ †¢ †¢ †¢ VIII. Observation and Suggestions †¢ Locations selected for construction of hostels must have adequate security for girl students and access to good roads, potable drinking water. There should be a regular and adequate budget provisions for repair and maintenance of hostels. Monitoring mechanism of the scheme ought to be strengthened. Design of such hostels should have provision for ramps for barrier free movement of physically handicapped students. †¢ †¢ †¢ xii †¢ Adequate number of hostels should be constructed in highly SC concentrated areas to reduce congestion in hostel rooms. Warden quarters may be constructed in all the girls’ hostels and it should be made mandatory for warden to stay in them. Every hostel should have a qualified warden. Women wardens should invariably be posted in girls hostels. In cases where inmates are more than the sanctioned strength, provision for additional amenities such as toilets, living rooms etc. should be made. Scholarships should be increased to compensate escalation of prices and should be paid on time since these form major source of funds for food and other components of expenses by hostel inmates. Diet charges should be enhanced to meet the rising prices. Mess facility should be strengthened and free food should be must. Adequate infrastructure like benches/tables should be provided in every hostel. There should be provision for clean and hygienic toilets. Timely submission of utilization certificates before release of further installments of funds for construction of hostels should be ensured. District Social Welfare Officers should be involved in the admission process of hostels constructed by NGOs to ensure adequate representation of SC students in these hostels. Cost ceilings for construction of hostels fixed several years ago must be updated from time to time corresponding to rise in prices of construction materials and labour. A satisfactory mechanism for dissemination of guidelines issued by nodal agencies to implementing agencies must be ensured. There should be adequate arrangement for coaching facility for inmates of the hostels during extra timings. There should be uniformity in terms of rules and regulations for boarding and lodging across states. †¢ †¢ †¢ †¢ †¢ †¢ †¢ †¢ †¢ †¢ †¢ †¢ xiii Chapter – 1 Introduction 1. 1 Background of the Scheme The constitution of India envisages special protection for socially and economically deprived sections of the society for ensuring their rapid economic devel opment and achieving equality with others. Provision of quality education is an important tool for empowering the weaker sections. Various socio-economic factors obstruct the access of the children belonging to scheduled castes to education in general and girls in particular, especially those living in rural areas. Construction of hostels within or close to the campus of educational institutions has been considered one of he means to enable and encourage boys and girls of SC community to strive towards achievement of quality education at reasonable costs to improve access to education. Government of India started the Centrally Sponsored Scheme for construction of new hostels as well as expansion of existing hostels for SC girls in 1963-64 so as to give impetus to SC girl’s education. In due course, certain changes were introduced to improve the scheme by allowing central assistance in construction of hostels in Universities and for making hostels barrier-free for disabled stu dents. A major change came during the Seventh Five Year Plan (19851990) when the Working Group on the Development and Welfare of Scheduled Castes and Scheduled Tribes recommended that hostels for SC boys should also be constructed. They recommended at least two hostels for boys and girls should be established in each district HQ in the country. In light of this; the coverage of the scheme of construction of hostel for SC girls was also extended for SC boys. Accordingly, in respect of SC boys, this scheme was started from 1989-90. 1. 2 Objective of the Scheme The main objective of the Centrally Sponsored Scheme (CSS) is to provide free boarding lodging facilities in hostels for SC boys and girls studying in schools and also for those studying in Colleges and Universities. In order to provide and propagate social homogeneity and equity 10 percent of total seats were meant for non-SC students. The general instruction issued by the Government of India under the Centrally Sponsored Scheme (CSS) further provided that if after accommodating all SC applicants, certain seats were left vacant then accommodation to non-SC students might be considered. However, the proportion of non-SC students in any case should not exceed 25 percent. The guideline also states that for general category students some charges may be levied which may be utilized for better maintenance of the hostel. 1. 3 Guidelines for Initiating the Hostel Proposal The Ministry of Social Justice and Empowerment, GOI prepared general guidelines for initiating proposals for construction of hostels for SC boys and girls. Guidelines pertaining to the implementation of the scheme at istrict level were given to the district level authorities to be considered while initiating the proposals. These are: High concentration of SC population and low literacy among SCs in the area. Inadequate hostel facilities in the area. Avail ability of school going SC children. Adequate number of educational institutions. Suitable location keeping in view the connectivity aspect, safety and security of students particularly for SC girls. 1. 4 Procedure for Obtaining Central Assistance The Ministry of Social Justice Empowerment, GOI has laid down a procedure for obtaining central assistance for construction of hostels for SC boys and girls. The proposals under the scheme have to be separately submitted by States/UTs for SC boys and girls in the prescribed proforma along with the following documents: (i) A certificate regarding availability of land, (ii) Site Plan of the proposed hostels, (iii) Detailed cost estimates of the proposed hostels, (iv) A certificate that the estimate has been prepared as per the latest PWD/CPWD rates, (v) Physical progress of the hostels sanctioned earlier since the year 1992 in the prescribed Performa, (vi) Hostel wise, year wise statement of utilization of State as well as Central share in the prescribed Performa, (vii) Matching share of the Sate Governments/Universities/Voluntary Organisations. 1. 5 Evaluation Study Since, the beginning of this scheme in the year 1963-64 and its expansion of scope from 1989-90; no evaluation study had been taken up. In order to assess the impact of this scheme across the country it was felt necessary to undertake an evaluation study at All India level. Accordingly, at the instance of the Union Ministry of Social Justice and Empowerment, the Programme Evaluation Organization of the Planning Commission, conducted an evaluation study on the scheme of construction of Hostels for Scheduled Castes boys girls. The study was conducted in eight states and two Central Universities where this scheme of construction of hostels for SC boys girls was largely taken up. The study was launched in the field in November, 2004. The study has covered a reference period of ten years i. e. 1992-93 to 2002-03. 1. 6 The Scheme in Selected States The Centrally Sponsored Scheme (CSS) of construction of hostels for SC boys and girls has been in operation in several states of India. Some states like Orissa, Madhya Pradesh and Rajasthan have constructed hostels only under the Centrally Sponsored Scheme. Others like Andhra Pradesh, Bihar, Karnataka and Uttar Pradesh have constructed such hostels both under the CSS as well as 100 percent state funded scheme. In Haryana, only the hostels owned and managed by NGOs have been covered under the present study. In all other states, covered under the present study the hostels constructed for SC boys girls have been owned and managed by the district level agency of the state nodal department i. e. the Social Welfare Department in most cases. In case of Central Universities, such as, Jawaharlal Nehru University, New Delhi, Central University, Andhra Pradesh and the hostels constructed by State funded Universities, it is the University which owns and manages the hostels. The district wise coverage of the scheme has also varied from state to state. In Andhra Pradesh and Orissa all the districts of the state were covered under this scheme. But in Bihar and Uttar Pradesh several districts had no hostel for SC boys and girls. Taking into account the size of population of the 8 selected states, the number of such hostels is relatively more in Andhra Pradesh, Madhya Pradesh and Karnataka and relatively less in Bihar, Uttar Pradesh, Haryana, Orissa and Rajasthan. As per available information from 8 selected states, a total of 2310 (1479+831 i. e. CSS and 100% state funded respectively) hostels were constructed between the period from 1992-93 to 2002-03. Chapter – 2 The Evaluation Study – Objectives Methodology 2. 1 Objectives of the Study The broad objectives of the evaluation study were the following: (i) To study the approval procedures of the proposals for construction of hostels. (ii) To study the process of implementation of the scheme in various States vis-a-vis the guidelines. iii) To assess financial physical performance of the scheme. (iv) To assess the extent of utilization of hostel facilities by the target group. (v) To study the monitoring reporting system prevailing under this scheme, including that at construction stage. (vi) To study the role of nodal Departments at the State/UT level and those at the district/block level in proper utilization, maintenance and upkeep of the hostels. (vii) To assess the outcome of the scheme in terms of the uses of the hostels by the target groups. (viii) To analyze the impact of the scheme on educational attainment of SC Boys and Girls during the period between 1991 census to 2001 census. 2. 2 Sample Design 2. 2. 1 States With a view to complete the study within a specified time and also to have a better in depth analysis the following eight states representing different regions were selected under the study: (1)Andhra Pradesh, (2) Bihar, (3) Haryana (For hostels constructed through University/Colleges NGOs), (4) Karnataka, (5) Madhya Pradesh, (6) Orissa, (7) Rajasthan and (8) Uttar Pradesh. It was observed that in Karnataka and Madhya Pradesh large numbers of hostels (i. e. 163 and 666 respectively) were constructed under this scheme. Hence, it was decided to select these two states to assess their impact. From the Eastern Region, Orissa had the largest number of hostels (112), and Bihar had sizable SC population also a large number of hostels (37) but considerably low literacy rate i. e. 49 percent as against the national literacy rate of 54. 16 percent. Hence, these two states were selected as sample states from the eastern region. From the Southern Region, Andhra Pradesh was selected due to very high concentration of SC population (16. 17% males and 16. 22% females) and the second largest number of hostels (196) constructed for SC boys and girls under this scheme. In the Northern Region, Uttar Pradesh has a sizeable SC population (20. 76% males and 20. 18% females) largest number of districts in the country i. e. 70, the number of hostels constructed in this state is 76. It was, therefore, decided to select the state as a sample state to be covered under this study. Similarly, Rajasthan was also selected due to high SC population in this state. It was observed that five Central Universities have been funded for construction of hostels for SC boys and girls under this scheme. It was decided to select Jawaharlal Nehru University, New Delhi (Mahi Mandvi Hostels) and Hyderabad Central University as each of these two Universities has one hostel each for boys girls. It is also observed that the state funded Universities in about 6-7 states have been covered under this scheme. In Haryana large numbers of hostels are reported to have been expanded under this scheme through NGOs. Therefore it was decided to select Haryana as a sample state to be covered under this study. 2. 2. 2 Districts It was decided to select 20 percent districts from each sample state for the study. Average number of hostels per district in a state was worked out by dividing total number of hostels constructed in the state by the number of districts. The districts in a state were divided in two categories, first the districts having hostels more than the state average number and second category of districts having hostels less than the state average. Twenty percent of districts in a state were selected pari-passu from each of the two categories. Based on the above criteria, total 68 districts were selected from the above mentioned states other than Delhi. These varied from 5 each in Andhra Pradesh, Haryana and Karnataka, 6 each in Orissa and Rajasthan, 9 in Madhya Pradesh, 10 in Bihar and 22 in Uttar Pradesh Table 2. 1 gives the complete list of selected districts. Jawaharlal Nehru University, New Delhi had two hostels, one for boys and one for girls. Since the two hostels covered under the study were constructed by University itself without any involvement of district administration in construction and management, hence Delhi has been excluded from this list. State wise number and names of the district selected as sample for evaluation study have been given in Table 2. 1. Table 2. 1: Number and Names of Districts Selected for the Study No. f Name of the Name of the Selected Districts Districts Selected States Selected Andhra Pradesh 5 West Godavari, Vishakhapattnam, Karim Nagar, Mehboob Nagar, Chittor, Central University Bihar 10 Patna, Siwan, Muzaffarpur,Bhojpur, Bhagalpur, West Champaran, Purnia, Rohtas, Aurangabad, Samastipur JNU, Delhi Jawaharlal Nehru University, New Delhi Haryana 5 Rohtak, Hisar, Sirsa, Kurukshetra, Kaithal Karnataka 5 Kolar,Chitradurga, Davengere,Chamraj Nagar, Gulbarga. Madhya Pradesh 9 Ujjain, Sidhi, Guna, Sehore, Narsinghpur, Tikamgarh, Datiya, Bhopal, Sivni Orissa 6 Jajpur, Keonjhar, Bhadrak, Dhenkanal, Balasore, Cuttack Rajasthan 6 Dausa, Tonk, Baran, Sikar, Bundi, Rajsamand Uttar Pradesh 22 Pratapgarh,Bareilly,KanpurNagar,Shahjahanpur, Chandoli, Meerut, Fatehpur,Barabanki,Varanasi, Gonda, Faizabad, Allahabad, Basti, Siddarth Nagar, Gorakhpur, J. P. Nagar, Banda, Sant Ravidas Nagar, Badayun, Ambedkar Nagar, Sant Kabir Nagar, Chitrakut Total 68 2. 2. Officials involved in the Construction/Supervision of the Hostels It was felt that the role of the officers who released the fund, coordinated the work and were directly involved in construction/supervision of the hostels was quite significant. Hence it was decided to frame a schedule for Officers at this level. That officer could either be a Junior Engineer, Assistant Engineer, Executive Officer of Zilla Parishad, PWD or DRDA etc. It was decided to cover only those hostels constructed under CSS as information regarding the state funded hostels were not available because in all the cases where hostels were constructed long back, most of the Officers who had been involved in the activities at the district level had retired. 2. 2. 4 Hostels and Hostel Wardens It was decided to select ten (10) percent of the total hostels constructed (during the period 1992-93 to 2002-03) in each selected state under the CSS on random basis for the evaluation study. It was also decided to select at least two percent of the hostels constructed under100 percent funding by the state government, in case the particular state had such hostels. Following this criterion, 185 hostels from CSS, 65 hostels from 100% state funded category and 15 hostels run by NGOs in were selected (table-2. 2) for the evaluation study. In each selected hostel, a Warden level schedule was canvassed. Thus a total of 211 Warden level schedules could be canvassed. As remaining 54 were either did not respond or their post were vacant. Table 2. 2: Coverage of Hostels in Sample States No. f Hostels: Covered Covered under Run by Total under CSS 100% State Funded NGOs Boys Girls Boys Girls Boys Girls Boys Girls 10* 14* 18 8 28* 22* 2 10 9 12 9 1 1 1** 1** 11 4 11*** 4*** 21 6 10 5 31 11 36 23 36 23 10 8 10 8 10 5 10 5 26 12 5 31 12 116 69 43 22 11 4 170 95 States Andhra Pradesh Bihar Delhi(JNU) Haryana Karnataka Madhya Pradesh Orissa Rajasthan Uttar Pradesh Total * Includes one boys’ and one girls’ hostel in Central University, Hyderabad, Andhra Pradesh. ** Indicates two hostels (Mahi and Mandavi) of JNU, New Delhi *** Hostels in State Universities also included. 2. 2. 5 Inmates It was decided that 10 percent of the sanctioned strength of each selected hostel would be selected as sample beneficiaries for the study. This norm was followed for hostels having a sanctioned strength of 100 boarders. However, if the sanctioned strength of the hostels was less than 100, even then minimum 5 boarders from such hostels were selected for the study. It was decided to cover inmates from non-SC category also, if available in the hostels. Overall 1417 inmates were selected for the study. State-wise number of inmates selected as beneficiaries is given in table – 2. 3 (Page-6). 2. 2. 6 Ex-inmates Two ex-inmates were randomly selected from each sample hostels with a view to get a feedback regarding the operational aspects of the hostels and the constraints faced by them while staying in the hostels and also to have an idea of the advantages, if any, they had as a result of staying in such hostels. 2. 2. 7 Knowledgeable Persons For the purpose of getting an over all view of the functioning of hostels as well as social perception of their benefits and constraints, it was decided to cover one knowledgeable person for each sample hostel. This knowledgeable person could be a member of village Panchayat, local body, village level worker, a teacher or an NGO activist etc. Total 210 knowledgeable persons were selected for this study. 2. 2. 8 Universities There were five Central Universities where the scheme was in operation. Of these, Jawaharlal Nehru University, New Delhi and Central University, Hyderabad, Andhra Pradesh, which ran one hostel each for boys and girls, were selected for the study. In addition, 5 State Universities from Haryana which had constructed hostels for SC boys and girls were also included in the sample of State Funded Universities. 2. 2. 9 Guide points Guide points were prepared to help the field team in preparing qualitative notes regarding implementation of the scheme in respect of quality of construction, maintenance of hostels and mechanism adopted for planning, supervision and monitoring of the scheme. 2. 3 Reference Period of the Study and Starting of Field Survey The study covered the period since inception of the scheme in 1963-64 upto 2002-03. However, for the selection of sample hostels, only those hostels which were constructed or taken up for construction between 1992-93 and 2002-03 were considered. The study was launched in the field in November, 2004. 2. 4 Methodology/Instruments Used for Data Collection Data at primary and secondary stages were collected through structured instruments of observation at different levels. Data on financing and monitoring were collected through secondary sources, such as the Union Ministry (Ministry of Social Justice and Empowerment) and from the nodal department implementing the schemes in different states. Information on aspects relating to project proposal, sanction and release of fund, administration maintenance of hostels and especially the impact of the scheme were elicited through field surveys. Table 2. : Types of Schedules used to collect data at Different Levels for the Evaluation Study in Selected States. Selected States Instruments of Observations Devised for Data Collection State Level District Level Officials Hostel involved Wardens in construction Level Inmates ExKnowinmates ledgeable Persons NGOs Level University level Schedule Andhra Pradesh Bihar Delhi(JNU) Haryana Karnataka Madhya Pradesh Orissa Rajasthan Uttar Pradesh* Total 1 1 1 1 1 1 1 NR 7 5 10 5 5 9 6 6 21 67 24 2 2 15 25 58 18 11 36 191 50 15 2 13 33 58 7 14 19 211 500 96 20 108 189 271 35 70 128 1417 94 32 4 22 60 94 10 25 27 368 48 16 2 13 33 58 7 14 19 210 8 8 1 1 5 7 *Note: I. State level schedule of UP has not been received so far. II. As new district Sant Kabir Nagar not having its own staff, its work was carried out by the staff of Basti district. Therefore only one district level schedule was canvassed for the both districts viz. Basti and Sant Kabir Nagar. 2. 5 Data Analysis and Report Writing The Survey and data collection work relating to this study was done by the Officials of Programme Evaluation Organisation, Planning Commission. The services of Institute for Resource Management and Economic Development, Delhi were availed for tabulation, interpretation and analysis of data and preparation of report. Chapter – 3 Planning, Implementation and Monitoring of the Scheme 3. 1 Role of the Nodal Ministry The Ministry of Social Justice and Empowerment, GOI has laid down procedures for obtaining central assistance for construction of hostels for SC boys and girls. At the time of inviting proposals under the scheme, the ministry impresses upon the states to submit the proposals separately for construction of hostels for SC boys and girls in the prescribed proforma along with the following documents: i) A certificate regarding availability of land ii) Site plan of the proposed hostel iii) A certificate that the estimate has been prepared as per the latest PWD/CPWD rates. iv) v) Detailed cost estimates of the proposed hostel. Physical progress of the hostels sanctioned earlier since the year 1992 in prescribed proforma. i) Hostel wise, year wise statement of utilization of state as well as central share in the prescribed proforma and vii) Matching share of the state government/NGOs/Universities. The Ministry received proposals for construction of hostels from Nodal Department (i. e. Socia l Welfare Department) of the State Government and held periodic meetings with state govt. representatives about the implementation of the scheme as reported by 43% state nodal departments. Based on the above, funds were provided to the state nodal departments for construction of hostels for SC boys and girls. In case of Central Universities, the Ministry received proposals directly from the Registrar of the concerned University. It was learnt that there was no guideline/manual as such formulated for monitoring this scheme at level of the Ministry. Hence funds were released only after examining the physical and financial progress of the hostels sanctioned earlier. But the nodal ministry mentioned that only general scrutiny of the proposals was done, as there were no technical experts for this purpose. Due to lack of staff, hostels under construction were not visited by any official from the nodal ministry. State nodal departments were required to send quarterly progress report and photographs of the hostels to the Nodal Ministry. 3. 2 Role of the State Nodal Department Social Welfare Directorates or Departments were the nodal agencies for the implementation of the scheme in most of the states. In Madhya Pradesh, however, the Scheduled Castes and Scheduled Tribe Welfare Department was the nodal agency. In most of the states the scheme was taken up in areas where need for hostels was felt uppermost. Based on the availability of funds and the need for such hostels in the areas with high concentration of SC population, the state nodal department used to receive proposals from various parts of the state through District Social Welfare Officers. The applications were sent in the prescribed proforma containing information about availability of land, audited statement of accounts for the funds received in earlier years. The nodal department scrutinised the proposals keeping in view the guidelines given by the Union Ministry. Proposals were sent to the ministry for clearance and release of funds. The nodal department also convened review meetings of the district welfare officers at regular intervals depending upon the need for such meetings. The nodal department officials at the state level used to visit the construction sites during construction as well as post construction phases at intervals, the frequency of which, however, varied considerably from state to state. The state nodal department claimed that they obtained the progress reports on the construction of hostels from different locations and submitted these reports annually to the Union Ministry. But such progress reports were neither insisted upon nor were maintained systematically at the Ministry of Social Justice and Empowerment. 3. The Level at which Proposals Initiated In most of the states proposals for construction of hostels for SC boys and girls were initiated at local levels. In Andhra Pradesh district collectors identified locations for construction of hostels with the assistance of revenue department. In Karnataka, District Social Welfare Officer(DSWO) took the initiative for construction of hostels. In Madhya Pradesh, the proposal was basically received from local Panchayat and after careful scrutiny and discussion sent to state nodal department for approval. In Rajasthan, proposals regarding construction of hostels were initiated by Directorate of Social Welfare through District Collector. In Haryana, where study was conducted to evaluate the role of NGOs, it was observed that the proposals were initiated at the local level by the concerned NGOs as District Welfare Officer publicized the programme among NGOs and other educational institutions at the local level. In Uttar Pradesh the Social Welfare Department did not provide the information, but field study revealed that the potential of the SC students be assessed by Zila Samaj Kalyan Adhikari by involving Principals of the local colleges. In Central Universities the Registrar of the concerned university initiated proposal for construction of hostel for SC boys and girls after being intimated by the Ministry to send a proposal to this effect. 3. 4 The Approval Procedures for the Scheme Generally approvals for construction of hostels for SC boys and girls were given by the state nodal departments after going through proposals received from different districts. Approvals were given to the proposals which fulfilled following parameters of the guidelines: (a) Availability of owned land of concerned School/College authority or transferring land in favor of the Social Welfare Department preferably free of cost, (b) Availability of school going SC children in the area, (c) Inadequate educational facility in the area, (d) Low literacy among SCs, (e) High concentration of SC population, (f) Local demand, and (g) Cost estimate of hostel. The districts, which qualified on the basis of the above criteria, were asked to identify suitable locations for the hostel sites. The short listed proposals were sent by the concerned nodal department of the State to the Union Ministry for their approval. The Ministry, in turn, after giving approval to the schemes, released funds to the state nodal department for initiating of work. Grant is limited to sharing of cost of construction of the hostels 3. 5 The Process of Implementation The implementation of the scheme for the construction of hostels for SC boys and girls involved several aspects and stages like deciding the number of hostels to be constructed, administrative formalities, issue of guidelines for construction by the nodal agency at the state level, specifying an administrative set up for implementation, nsuring quality of work, handing over possession etc. However in Haryana the focus was on additions or renovations of already existing hostels being owned and managed by NGOs. 3. 5. 1 Deciding the number of hostels to be constructed At the beginning of each financial year, the concerned nodal departm ent of the state govt. decided the number of hostels for SC boys and girls to be constructed on the basis of availability of funds and the following criteria: (a) The hostels should be located in the towns and large villages having a concentration of SC population. (b) The large villages and towns should have satisfactory standard of education on the ba How to cite Hostel Implementation, Papers