Nursing Essay Example | Topics and Well Written Essays - 1750 words

Nursing - Essay Example One of the most common strategies that have been employed in hospitals to curb this predicament is the nursing competency assessment, especially in the ICU (Intensive Care Unit). This strategy is significantly striving to eliminate this deadly infection. This article will review literatures which analyze the ongoing versus annual nursing competency assessments that are aimed at decreasing the number of central line blood stream infections in the ICU. It is estimated that approximately 41,000 central line-associated bloodstream infections occur yearly in the United States alone. Research shows that these infections are liable for between 4 to 20% of the deaths that occur in the country annually. This shows that between 500 to 40,000 patients die yearly as a result of the bloodstream infections. In most health centers in the US, it is recommended that patients are grouped into the insertion bundle and the care bundle. Experts claim that combining nursing practices and technology can si gnificantly reduce these infections. Most of the hospital teams in the United States have asserted that the nursing competency assessment has significantly reduced the number of patients with bloodstream infections in the Intensive Care Unit (Harnage, 2007). This assessment usually involves educating the nurses on the best approach to employ when handling the patients with these infections. For example, they are usually taught several methods of improving hand hygiene. This measure has empowered hand hygiene as part of the Central Line placement. According to Harnage (2007), most health centers have hand hygiene dispensers which are frequently checked. The assessment of nurses, physicians and other medical personnel is usually accompanied with an annual assessment of the personnel in order to decrease the bloodstream infections in the Intensive Care Unit. This assessment involves a periodical knowledge assessment of adherence to certain guidelines involved in the Intensive Care Unit . In most cases, nurses who are competent in the care of such patients are usually situated in the Intensive Care Unit. After the assessment, these nurses are known as intensive care nurses. This shows that intensive care nurses form an integral part in reducing the bloodstream infections. Most health centers, which aim for a high level of compliance, usually ensure that they prevent such infections. Therefore, nurses should be empowered to supervise the preparations during a line insertion by using a checklist that is aimed at preventing such infections (Harnage, 2007). Hatler, Zack, Hebden and Kaler (2010), noted that it is clear that clinical nurses form an integral part in optimizing the outcomes of a patient especially through monitoring and management of the patient. The bloodstream associated infections have a severe impact on mortality and cost of care. The intensive care nurses are responsible for providing the necessary care to such patients. There are several health cente rs that have devised other strategies beyond the common Central Line bundle to reduce the number of bloodstream infection in the Intensive Care Units (Richardson & Tjoelker, 2012). Some of the institutions have included a thorough nurse surveillance system. This is a valuable strategy that aims in ensuring optimal patient outcomes. According to a recent survey, this strategy has decreased the rate of deaths in the Intensive Care Unit and the Critical Care Unit significantly. In most instances, these infections usually prolong the hospitalization of a patient to an average of seven days and an approximate cost of between $3700 and $29500 (Richardson & Tjo

Special Needs and the ESL Culture Essay Example for Free

Special Needs and the ESL Culture Essay Special education students are unique because teachers have to do more to teach them than regular students. They already have issues that impair their learning, so it is important that teachers work to individualize instruction as much as possible. This will help ensure the most success. Students who are from another culture, those who do not speak English as their first language, pose additional obstacles for the teacher. First, the teacher has to figure out what part of the student’s delay is caused by limited English proficiency, and what part is caused by the actual disability. This can be time-consuming and difficult, especially if language development is part of their disability. This will affect the way the teacher presents the material. Visual instruction would be most beneficial since there is no language barrier. Second, the teacher has to learn how much English is spoken at home. If the parents speak fluently, then they can take part in helping the student. If the parents are learning themselves, the teacher will have to adapt homework so that they will be able to assist their child. Collaboration is the key for students, parents, and teachers to feel they are doing the most and getting the best results for special needs, ESL students (Collaboration, para 3). If another language is spoken at home, it will take the student even longer to catch up. The teacher could send home material to help parents talk to their child. Students who come from other cultures also may not be prepared for the schedule of a typical school day here in the U. S. A full day of school might be too taxing at the beginning, so the teacher would have to have many breaks built in to the daily activities. It is important that teachers pay attention to the student’s needs since they may not be able to communicate them. Students will also not know what to expect when they are first learning the routine of school here. Picture schedules could be vital in ensuring the student’s feel the safety of a daily routine. The native cultural traditions will also affect how teachers teach in this environment. Some students may be absent for religious holidays when school is in session. Some students may talk about upcoming holidays that we do not have. Teachers should be thoughtful and try to include as many of the customs and traditions as they can. A Cinco de Mayo party may be just the activity to make the student feel welcome and wanted. A final way that ESL students affect the class is their interactions with the other students. The ESL student may try to talk with another student, but because of the language barrier, the student may not be able to understand. The teacher needs to be available to let the student know they did a good job in initiating conversation, and then try to translate so the other student remains engaged. There are so many different factors that make up a special needs class. The delays in development can be ever further hindered if the student is not fluent in English. While there are more obstacles if students do not speak English as their native language, there are also opportunities. The teacher can help ensure the students feel at home here, and that the other students learn to appreciate their culture as well. Works Cited â€Å"Collaboration in Schools Serving Students with Limited English Proficiency and Other Special Needs. † Web. 11 May 2009. http://www. apples4theteacher. com/resources/modules. php? op= modloadname=Newsfile=articlesid=48mode=threadorder=0thold=0.

Epic of Beowulf Essay - Prosody of Beowulf -- Epic Beowulf essays

Prosody of Beowulf  Ã‚        Ã‚  Ã‚  Ã‚   The prosody of Beowulf is the art of Old English versification, made to be chanted orally, not read silently. Therefore it uses alliteration and accent to achieve the poetic effect which Modern English poetry achieves through the use of poetic feet, each having the same number of syllables and the same pattern of accent (Wilkie 1271). Theory on the prosody of Beowulf is evolving.    In the manuscript version of the poem, alliteration is employed in almost every line (or two half-lines); in most modern translations of the poem this is not so. In lines 4 and 5 of the poem we find:    Oft Scyld Scefing   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   sceapena preatum monegum maegpum  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   meodo-setla ofteah    The repetition of the â€Å"s† sound in line 4 and of the â€Å"m† sound in line 5 illustrate alliteration, and this occurs throughout the poem, providing to the listener an aesthetic sense of   rightness or pleasure. In 1958 two language scholars, Lehmann nd Tabusa, produced an alphabetized list of every alliterated word in the poem. One translator, Kevin Crossley-Holland, in his rendition of the poem in Literature of the Western World, actually includes considerable alliteration (Wilkie 1271). The Old English poet would â€Å"tie† the two half-lines together by their stressed alliteration (Chickering 4). The first half-line is called the on-verse, which is followed by the off-verse. Each line of poetry ideally contains four principal stresses, two on each side of a strong medial caesura, or pause, and a variable number of less-heavily stressed or unstressed ones. â€Å"At least one of the two stressed words in the first half-line, and usually both of them, b egin with the same sound as t... ...ed by Joseph F. Tuso. New York, W.W.Norton and Co.: 1975.    Kiernan, Kevin S.. â€Å"The Legacy of Wiglaf,† In The Beowulf Reader, edited by Peter S. Baker. New York: Garland Publishing, 2000.    Magoun, Frances P. â€Å"Oral-Formulaic Character of Anglo-Saxon Narrative Poetry.†Ã‚   In TheBeowulf Poet, edited by Donald K. Fry. Englewood Cliffs, NJ: Prentice-Hall, Inc., 1968.    Stockwell, Robert. P. and Donka Minkova. â€Å"Prosody† In A Beowulf Handbook, edited by Robert Bjork and John D. Niles. Lincoln, Nebraska: Uiversity of Nebraska Press, 1997.    Tharaud, Barry. â€Å"Anglo-Saxon Language and Traditions in Beowulf.† In Readings on Beowulf, edited by Stephen P. Thompson. San Diego: Greenhaven Press,1998.    Wilkie, Brian. â€Å"Beowulf.† Literature of the Western World, edited by Brian Wilkie and James Hurt. New York: Macmillan Publishing Co., 1984.   

Prime Bank

1. 1 Introduction of the Report In the modern competitive environment, the pursuit of service quality is now considered to be an essential strategy. Offering a superior product is no longer sufficient, as firms in the 21st century economy compete on a much broader platform. In terms of the banking sector, service quality has become an increasingly important factor for success and survival (Cui, Lewis, & Park, 2003).Provision of high quality service aids in meeting several requirements such as customer satisfaction and its consequent loyalty and market share, soliciting new customers, improved productivity, financial performance and profitability (Collet, Lancier, & Olliver, 1990; Julian & Ramaseshan, 1994; Lewis, 1989, 1993; Llosa, Chandon, & Orsingher, 1998). It has also become an important research topic because of its important relationship to corporate marketing and financial performance.In the current study the researcher intends to find out the customer service performance of P rime Bank Limited and also compare the performance with other private sector banks. The Prime Bank Limited is a national banking group that is incorporated on the 12th February, 1995 as a consequence of relentless and decided efforts of a group of entrepreneurs having excellence of experience exposure in the different fields of industry, trade and commerce of Bangladesh.To prepare a specific and precise analysis on service quality performance, the researcher will consider the SURVQUAL model proposed by Parasuraman, Zeithaml, and Berry (1988) which consists of five key dimensions like reliability, responsiveness, assurance, empathy, and tangibles. 1. 2 Origin of the Study This report has been prepared as a requirement of the internship program of School of Business, North South University (NSU). The organization attachment started on 24 January 2010 and ended on 24th April 2010.This project on â€Å"Comparative Analysis of Customer Service Quality of Prime Bank Limited with other Pr ivate Commercial Banks† is assigned by Kazi Tozammel Huq, Assistant Vice President, Motijheel Branch, Prime Bank Limited (PBL) and it was approved by institution supervisor Mr. Muntasir Alam, Lecturer, School of Business, North South University (NSU). 1. 3 Purpose of the Study The purpose of the study is to make a comparative analysis of customer service quality of Prime Bank Limited with other private commercial banks.This study attempted to understand the customer perceptions on different service quality dimensions while dealing with these banks. The purpose is also to make recommendations for improving the quality and soundness of different services provided to the customers by Prime bank Limited. 1. 4 Statement of the problem In the current study, the researcher will use five important dimensions like reliability, responsiveness, assurance, empathy, and tangibles to find out the customer service quality of Prime bank Limited and thus compare the service quality with other private commercial banks in Bangladesh.The problem statement, then, is stated as follows: The current study will identify the customer service quality of Prime bank Limited considering key dimensions such as reliability, responsiveness, assurance, empathy, and tangibles and compare the performance with other private commercial banks in Bangladesh. 1. 5 Research Methodology 1. 5. 1 Research design As the purpose of this study is to make a comparative analysis of customer service quality of different private commercial banks, therefore descriptive research was undertaken to fulfill the main purpose of the study.The current study will compare the customer perceptions of service quality of Prime Bank Limited with the private commercial banks such as Dhaka Bank Ltd, Southeast Bank Ltd and Mercantile Bank Ltd under five key dimensions like tangibles, reliability, responsiveness, assurance, and empathy. This research will use a descriptive study to discover the ideas and insights of these different service quality dimensions. Therefore, the current study will be characterized as a descriptive study. 1. 5. 2 Sampling method For the current study, the researcher will use the customers of four ifferent private commercial banks such as Prime Bank Limited, Dhaka Bank Ltd, Southeast Bank Ltd and Mercantile Bank Ltd as the sample for the study. For this proposed study, the population will be the customers of different private commercial banks in Bangladesh. The researcher will use stratified random sampling to collect the sample for this study. In a recent study Sureshchandar, Rajendran, and Anantharaman (2003) have also utilized this sampling method to make a comparative analysis of customer perceptions of service quality in the banking sector.The stratification will be done based on the four different banks. From each of the banks, about 20 customers will be randomly selected and thus the sample size will be 80. Data have been collected using the â€Å"personal-contactâ €  approach, i. e. the respondents have been approached personally and given a detailed explanation about the survey. 1. 5. 3 Survey Instrument In the current study, the researcher will use a questionnaire to collect the data from the sample. Structured questionnaire will be used in this research. The questionnaire used in this study is comprised of two parts.The first part contains questions about personal profiles of the respondents including age, occupation and types of accounts currently holding. Then the next and final part includes expectations of respondents according to five dimensions. These dimensions are reliability, responsiveness, assurance, empathy, and tangibles. A seven-point Likert scale ranging from â€Å"strongly disagree = 1† to â€Å"strongly agree = 7† was used to measure the 21 items. This 21-item SURVQUAL scale is developed by Parasuraman, Zeithaml, and Berry (1988). Since Parasuraman et al. 1988) introduced the SERVQUAL instrument, many rese archers have also used, extended and developed this scale to study service quality in different sectors of the services industry (Fick & Ritchie, 1991; Babakus & Mangold, 1992; Coyle & Dale, 1993; Cronin & Taylor, 1992; Lewis & Pescetto, 1996; Smith, 1995; Buttle, 1996; Lam, Wong, & Yeung, 1997; Lim & Tang, 2000; Oldfield & Baron, 2000; Gounaris, Stathakopoulos, & Athanassopoulos, 2003). 1. 5. 4 Data Collection The study was conducted on the basis of both the primary and secondary ources of information. Primary data Primary data were collected through questionnaire from the customers of Prime Bank Limited, Dhaka Bank Ltd, Southeast Bank Ltd and Mercantile Bank Ltd. Secondary data Annual reports of PBL, Instruction circular of Head Office, Brochures of different Banks, online articles. 1. 5. 5 Data analysis procedure In the current situation, the proposed study is a comparative study which intends to analyze the customer service quality of Prime Bank Limited with other Private Commer cial Banks.As a result, after collecting the data the researcher will use Mean value to make the comparison among the banks considering the five dimensions of service quality measurement. Several studies have utilized the mean value to analyze the service quality dimensions (Joseph & Stone, 2003; Dotchin & Oakland, 1994; Cuthbert, 1996; Allred & Addams 2000). In this study, the researcher will also use factor analysis to analyze the data for the proposed study.The researcher intends to check if the scale items included in the questionnaire constituted a single dimension in the specific context of the different private commercial banks and then make a comparison between the banks. Some previous studies have also utilized factor analysis to study service quality of different service organizations (Cui, Lewis, & Park, 2003; Cuthbert, 1996; Arasli, Mehtap-Smadi, & Katircioglu, 2005). To analyze the data gathered from the survey Microsoft Excel 2003 and SPSS 12. 0 is utilized. 1. 5. 6 Su rvey Time The survey time for the current study is April, 2010. 1. 6 Limitations of the StudyThe major limitations of this study are given as follows a. There were some restrictions to have access to the information confidential by concern authority. b. For the comparative analysis only the branches of the four private commercial banks which are located in Gulshan, Banani and Mohakhali areas are selected to collect data for the research. c. In the current study only the perceptions of the customers regarding the service quality is measured. The expectations of the customers regarding the five dimensions of service quality could be measured in such study to evaluate the gap score between perceptions and expectations. . Sufficient records, publications regarding customer service were not available as per requirement. e. Non-cooperative behavior of some officials from few branches. 2. 1 Introduction of the Organization The Prime Bank Limited (PBL) is a national banking group that is in corporated on the 12th February, 1995 as a consequence of relentless and decided efforts of a group of entrepreneurs having excellence of experience exposure in the different fields of industry, trade and commerce of the country. It started operation as a commercial bank on the 17th April 1995 with a branch at Motijheel.At present the bank has 36 branches spread all over the country. It renders all types of commercial banking services to the customers of all strata in the society within the stipulations laid down the bank company act 1991 and rules and regulations formed by Bangladesh from time to time. Diversification of products and services and innovation of products suited to the needs of the customers in keeping with relevant rules and laws have made it different from other commercial banks of the country. PBL’s national business in personal banking, corporate banking and its markets are its special strengths.It maintains correspondent relationship with all over the bank s in countries. Prime Bank Limited is a forward looking and modern local bank with a record of sound performance. It is discarding its erstwhile conservative mould and in response to the current dynamic trends in locally financial activities, adopting an aggressive customer focused system. The effort that Prime Bank makes in order to portray the bank as a brand image is very strong and successful. The general image is that it is â€Å"trustworthy, efficient, helpful and committed†. The logo of the bank depicts the merger of confidence.Prime Bank Ltd. has already made significant progress within a very short period of its existences. The bank has been graded as a top class bank in the country through internationally accepted CAMEL rating. The Bank made satisfactory progress in all areas of business operation in 2004. Prime Bank offers all kinds of commercial corporate and personal banking services covering all segments of society within the framework of banking company Act and rules and regulations laid down by our central bank. Diversification of products and services include Corporate Banking, Retail Banking and Consumer Banking.Prime Bank Ltd. was designed to provide commercial and investment banking services to all types of customer ranging from small entrepreneur to big business firms. Besides investment in trade and commerce, the Bank participates in the socioeconomic development through the participation in priority sectors like agriculture, Industry, housing and self-employment. Prime Bank Ltd. want to establish, maintain, carry on transact Undertake and conduct all types of banking, financial all investment and trust business in Bangladesh and abroad. 2. 2 Mission of PBLTo build Prime Bank Limited into an efficient, market driven, customer focused institution with good corporate governance structure. Continuous improvement in our business policies, procedures and efficiency through integration of technology at all levels. 2. 3 Goals and Objectiv es of PBL Maximization of Profit through customer satisfaction is the main objective of the Bank. In addition, the others relevant objectives are: ? To be market leaders in high quality banking products and services. ? Active excellence in customer service through providing the most modern and advance technology in the different spheres of banking. To participate in the industrial development of the country to encourage the new and educated young entrepreneurs to under take productive venture and demonstrate their creativity and there by participate in the national development ? To provide credit facilities to the small and medium size entrepreneur located in urban & sub-Urban area and easily accessible by our branches. ? To develop saving attitude and making acquaintance with modern banking facilities. ? To inspire for undertaking small projects for creation employment through income generating activities. To play a significant role in the economic development of the country. 2. 4 Organogram of Prime Bank Limited 2. 5 Hierarchy of Prime Bank Limited 2. 6 Business Activities of PBL Prime Bank Limited provides a full range of products and services to its customers, some of which are mentioned below with a brief overview of the major business activities. Consumer Finance There are branches and finance centers under this division with a qualitative workforce of employees. Some of the services provided by this division are unsecured personal loans, credit cards, and vehicle related lease etc.Personal Banking There are branches with highly qualified workforce provide various kinds of loans, various types of accounts, cheques, card money etc. Corporate Banking & institutional Banking There are some branches under this division. The services provided by this division are International Trade Management, Institutional Banking, Custody and Cash Management. Custodial Service PBL equator fulfills its strategic commitment to provide custody and clearing services. Equatorâ €™s main focus is on the following: ? Commitment to quality ? Dedication to customer needs Sustained investment in people and systems International Trade Management This division is operational throughout the group and PBL’s core strength is trade finance and services. With an experience Prime Bank has developed knowledge of trade finance, which is world class. Principle services to importers include imports letter of credit, import bills for collection and back to back letters of credit facilities. Services provide to exporters include export letters of credit, direct export bills for collection, bulk letter of credit collection, bonds, and guarantees.Cash Management Prime Bank recognizes the importance of cash management to corporate and financial institutional customers, and offers a comprehensive range of services and liquidity management. Institutional Banking Through Prime Bank it is very well positioned to provide a wide range of services to institutional clients, commercial, merchant and central banks; brokers and dealers; insurance companies; funds and managers, and others. It provides relationship managers who are close to their customers and speak local language.This wide network of institutional banking facilities includes transaction, introduction, problem solving and renders advice and guidelines on local trading condition. Treasury Treasury operations had been consideration as an important avenue for income generation purpose within Head Office. In fact, in the past, income from treasury operation was quite sizable and significant to the total income generated by the bank. The treasury division publishes daily and weekly currency news letters, which provide analyses of currency trends and related issues.Seminars and workshops are conducted for customers from time to time on foreign exchange related topics. Customers can also have access to bank’s information database round the clock through phone banking. Prime Bank is one of t he first local banks in Bangladesh to integrate treasury dealings of local money market and foreign currency under one Treasury umbrella. The bank has handled significant volumes of treasury over the last several years. Prime Bank's Dealing Room is connected with automated Reuters Terminal facility thus enabling the bank to provide forward/future facilities to its corporate clients at a very competitive rate.In 2004 the treasury operation recorded an income of TK 180. 12 million excluding money market income of TK 72. 25 million. Electronic Banking Electronic Banking provides various types of support through a wide range of operating systems, sweeping transactions accessions with the provisions of reporting features or other special functions. Foreign Exchange Business Over the years, foreign trade operations of the bank played a pivotal role in the overall business development of the bank. The bank has established relationship with as many as 110 new foreign correspondents abroad t hereby raising the total number of correspondents to 350.The total import business handled by the bank during the year 2004 was tk 19564 million against taka 13428 million of the year 2003. The growth rate was 46%. The bank has also entered into remittance arrangements with several banks and exchange houses and expects to handle increased volume of remittance business over the near future. Online Branch Banking The bank has set up a Wide Area Network (WAN) across the country to provide online branch banking facility to its valued clients. Under the scheme clients of any branch shall be able to do banking transaction at other branches of the bank.Under this system a client will be able to do following type of transactions: ? Cash withdrawal from his/her account at any branch of the bank irrespective of the location. ? Cash deposit in his/her account at any branch of the bank irrespective of the location. ? Cash deposit in other’s account at any branch of the bank irrespective of the location. ? Transfer of money from his/her account with any branch of the bank. SWIFT Prime Bank limited is one of the first few Bangladeshi banks, which have become member of SWIFT (Society for Worldwide Interbank Financial Telecommunication) in 1999.SWIFT is a member-owned co-operative, which provides a fast and accurate communication network for financial transactions such as Letters of Credit, Fund Transfer etc. By becoming a member of SWIFT, the bank has opened up possibilities for uninterrupted connectivity with over 5,700 user institutions in 150 countries around the world. Information Technology in Banking Operation Prime Bank limited adopted automation in banking operation from the first day of its operation. The main objective of this automation is to provide efficient and prompt services to the bank's clients. At present all the branches of the bank are computerized.At branch level, the bank is using server-based multi-user software under UNIX operating system to p rovide best security of automation. Profitability and Shareholder Satisfaction The bank had been one of the most profitable in the banking sector. The bank's return on assets (ROA) crossed 3. 75 percent in the year 2004. Even though the capital market of the country has been suffering over the last few years, the good performance of Prime Bank made sure that the banks share price remained in a respectable position. 2. 7 Products and Services of Prime Bank Limited Prime bank Limited offers various kinds of deposit products and loan schemes.The bank also has highly qualified professional staff members who have the capability to manage and meet all the requirements of the bank. Every account is assigned to an account manager who personally takes care of it and is available for discussion and inquiries, whether one writes, telephones or calls. Deposit Products ? Monthly Contributory Savings Schemes(CSS) ? Monthly Benefit Deposit Receipt(MBDR) ? Special Deposit Receipt Scheme(SDR) ? Educ ation Savings Scheme(ESS) ? Fixed Deposit Receipt Scheme(FDR) ? Current Account ? Savings account ? Short Term Deposit ? Multi Currency Account Loan Schemes: ? General Loan Scheme Consumer Credit Scheme ? Lease Finance ? House Building Loan & Apartment Loan Scheme ? Advance against Shares ? Custodial Services for investors (both individual & institutional) investing in through Stock exchange ? One stop services for payment of utility bills. ? Credit card 2. 8 Financial Position of Prime Bank Limited The financial position for the last three years of Prime Bank Limited is given below: (Taka in million) |Particulars |2007 |2008 |2009 | |Total Deposits |16481. 0 |20483. 23 |28069. 24 | |Loans and Advances |12686. 85 |16492. 22 |23219. 67 | |Investment |1996. 23 |2749. 71 |3083. 81 | |Foreign Exchange Business |31753. 70 |41930. 80 |56248. 80 | |Operating Income |1196. 20 |1593. 9 |1970. 37 | |Operating Expenditure |448. 36 |592. 28 |824. 23 | |Operating Profit |747. 84 |1001. 41 |1146. 14 | |Total Assets |19358. 93 |24249. 13 |32361. 62 | |Market value per share |307. 51 |374. 25 |879. 0 | |No of Branches |27 |30 |36 | |No of Employees |730 |777 |894 | |No of Shareholders |1727 |1993 |2620 | |No of Foreign Correspondences |422 |441 |501 | 3. 1 Literature Review . 1. 1 Service Quality Lehtinen and Lehtinen (1982) defined service quality in terms of physical quality, interactive quality and corporate (image) quality. Physical quality relates to the tangible aspects of the service. Interactive quality involves the interactive nature of services and refers to the two-way flow that occurs between the customer and the service provider, or his/her representative, including both automated and animated interactions. Corporate quality refers to the image attributed to a service provider by its current and potential customers, as well as other publics.Lewis and Booms' (1983) definition clearly states that service is a measure of how well the service level delivered matches customer expectations and delivering quality service means conforming to customer expectation on a consistent basis. In some earlier studies, researchers define service quality as the extent to which a service meets customers' needs or expectations (Lewis & Mitchell, 1990; Dotchin & Oakland, 1994; Asubonteng, McCleary, & Swan, 1996; Wisniewski and Donnelly, 1996).Zeithaml (1987) defined that service quality is the consumer's judgment about an entity's overall excellence or superiority. It is a form of attitude, and results from a comparison of expectations to perceptions of performance received. Zeithaml, Berry, and Parasuraman (1990) on the other hand, have chosen to define service quality â€Å"as the extent of the discrepancy between customers' expectations or desires and their perceptions†. Service quality has been also defined as the consumers overall impression of the relative inferiority or superiority of the organization and services (Zeithaml et al. 1990; Taylor & Ba ker, 1994). Christopher, Payne, and Ballantyne (1993) have defined service quality as the ability of the organization to meet or exceed customer expectations. Service quality is believed to depend on the gap between expected and perceived performance (Anderson, Fornell, & Lehmann, 1994). Gitlow, Oppenheim, and Oppenheim (1989) also stated that service quality is the extent to which the customer or users believe the service surpasses their needs and expectations.Parasuraman, Zeithaml, and Berry (1985) proposed that service quality is a function of the differences between expectation and performance along the quality dimensions. Service quality has been also defined as a consumer attitude reflecting the perceived overall superiority and excellence in the process and outcome of a service provider (Parasuraman et al. , 1988). Gronroos (2001) recently defined service quality as a mixture of three elements: quality of the consumption process itself, the quality of the outcome of the proce ss; and image of the provider of the service.Service quality has become an increasingly important factor for success and survival in the banking sector. Provision of high quality service aids in meeting several requirements such as customer satisfaction and its consequent loyalty and market share, soliciting new customers, improved productivity, financial performance and profitability (Collet et al. , 1990; Julian and Ramaseshan, 1994; Lewis, 1989, 1993; Llosa et al. , 1998). Bank Service quality has become an important factor in determining market shares and profitability (Andereson et al. , 1994; Spathis, Kosmidou, & Doumpous, 2002). . 1. 2 Service Quality Dimensions Since a conceptual model concerning perceived service quality was proposed by Parasuraman, Zeithaml, and Berry (1985), service quality dimensions have become an area of interest in marketing research (Bolton & Drew, 1991b; Brown & Swartz, 1989; Carman, 1990; Cronin & Taylor, 1992, 1994; Parasuraman et al. , 1988, 1994 ; Teas, 1993, 1994; Zeithaml et al. , 1996). One of the important issues related to service quality is the dimensions of service quality, and the measurement tool, SERVQUAL developed by Parasuraman et al. 1988) has been the starting point of the controversy in this area. Parasuraman et al. (1988) identify five quality dimensions which link specific service characteristics to consumer expectations of quality. These five basic dimensions are: (1) Reliability: Reliability is defined as the ability to perform the promised service dependably and accurately (Parasuraman et al. , 1988). Reliability involves consistency of performance and dependability. It means that the firm performs the service right first time. It also means that the firm honors its promises.Specifically it involves: accuracy in billing; keeping records correctly; performing the service at the designated time. (Parasuraman, Zeithaml, & Berry, 1985) Reliability basically refers to the extent to which the retail service pr ovides what was promised when it was promised (Dabholkar, Thorpe, & Rentz, 1996). Zeithaml et al. (1990) defined reliability as the ability to perform the promised service dependably and accurately. (2) Responsiveness: It is defined as the willingness to help customers and provide prompt service (Parasuraman et al. , 1988).It Concerns the willingness or readiness of employees to provide services. Responsiveness involves timeliness of service like: posting a transaction slip immediately; returning a phone call quickly; giving prompt service; setting up appointments quickly. According to Zeithaml et al. (1990) responsiveness refers to the motivation to help (internal) customers and provide prompt service to them. (3) Assurance: Parasuraman et al. , (1988) defined assurance as the knowledge and courtesy of employees and their ability to convey trust and confidence.Assurance involves trustworthiness, believability, honesty. It involves having the customer’s best interests at hear t. Contributing to credibility includes company name; company reputation; personal characteristics of the contact personnel; how much a hard sell is employed in interactions with the customer (Parasuraman et al. , 1985). Zeithaml et al. (1990) defined assurance as the awareness and good manners of the employees and their ability to convey trust and confidence to the customers. 4) Empathy: According to Parasuraman et al. , (1988) empathy is defined as caring and individualized attention provided to customers. Empathy refers to graciousness, respect, consideration and friendliness of contact personnel including receptionists, telephone operators, etc. It includes: consideration for the consumers’ property; clean and neat appearance of the contact personnel. (5) Tangibles: Tangibles are the physical facilities, equipment, and appearance of personnel in services (Parasuraman et al. , 1988).It includes all the physical evidence of the service: facilities; appearance of personnel; tools or equipment used to provide the service; physical representations of the services (e. g. statements); other customers. Zeithaml et al. (1990) stated that tangibles are the appearance of physical facilities, equipment, personnel, and communication materials. Tangibles of service are the tangible facets of the service facility (equipment, machinery, signage, employee appearance, etc. ) or the man-made physical environment, popularly known as the â€Å"servicescapes† (Sureshchandar, Rajendran, & Anantharaman, 2003). . 1 Comparative Analysis on Service Quality For comparative analysis, the data retrieved from the perception score given by the customers of Prime Bank Limited, Dhaka Bank ltd, Southeast Bank Ltd and Mercantile Bank Ltd are analyzed in the current study. By analyzing the mean value of the results the researcher intends to find which Bank's customer service quality is more appreciable to the customers. The comparative analysis is based on the mean score of the actual score given by the customers on the items of each of the service quality dimensions. 4. 1. Comparative Analysis on Reliability dimension: In reliability dimension the customers were asked to give score about their perception on the basis of five scale items. The following Table 1 shows the comparative results in the reliability dimension for Prime Bank Limited, Dhaka Bank Ltd, Southeast Bank Ltd and Mercantile Bank Ltd. The result shows that Prime Bank receives maximum scores in four scale items except the one which asks whether the bank provides its services at the time it promises to do so. For that particular scale item Prime Bank receives a mean score of 4. 95 whereas the mean score for Dhaka Bank is 5. . Table 1: Mean Quality Scores of Prime bank Limited, Dhaka Bank Ltd, Southeast Bank Ltd and Mercantile Bank Ltd for Reliability dimension |Perception Statements in Reliability Dimension |Prime |Dhaka |Southeast Bank |Mercantile Bank | | |Bank |Bank | | | |1. When your ban k promises to do something by a |5. 7 |5. 3 |4. 75 |5. 3 | |certain time, it does so. | | | | |2. When you have a problem, your bank shows a |5. 2 |4. 95 |4. 3 |4. 45 | |sincere interest in solving it. | | | | | |3. Your bank performs the right service at first |5. 2 |4. 45 |4. 7 |4. 80 | |time. | | | | | |4. Your bank provides its services at the time it |4. 95 |5. |4. 55 |4. 6 | |promises to do so. | | | | | |5. Your bank keeps you informed about when services |5. 2 |4. 4 |4. 45 |4. 6 | |will be performed. | | | | | In terms of scale item 1 the customers of Prime Bank have relatively high perception than the customers of other banks as the bank does the work within the promised time. Prime Bank receives a mean score of 5. in this aspect while Dhaka Bank, Southeast Bank, and Mercantile Bank receive 5. 3, 4. 75, and 5. 3 respectively. Prime Bank also receives a mean score of 5. 2 as the bank shows sincere interest to solve the problems of the customers than the other banks do. Prime Bank also receives a comparatively high mean score in the aspect of that the bank keeps customers informed about when services will be performed. 4. 1. 2 Comparative Analysis on Responsiveness dimension: The responsiveness dimension consists of three items. The following Table 2 shows the comparative results in the responsiveness dimensions for the banks.The result shows that Prime Bank receives comparatively low scores in all three items of the dimension. The mean score of Prime Bank for scale item 6 is 4. 65 which is lower than Dhaka Bank and Southeast Bank. Table 2: Mean Quality Scores of Prime bank Limited, Dhaka Bank Ltd, Southeast Bank Ltd and Mercantile Bank Ltd for Responsiveness dimension |Perception Statements in Responsiveness Dimension |Prime |Dhaka |Southeast Bank |Mercantile Bank | | |Bank |Bank | | | |6.The employees in your bank give you prompt service. |4. 65 |5. 1 |4. 95 |4. 45 | |7. The employees in your bank always willing to help |4. 8 |5. 15 |4. 05 |4. 55 | | you. | | | | | |8. The employees in your bank are never too busy to |4. 5 |4. 9 |5. 05 |4. 3 | |respond to your request. | | | | The customers of Dhaka Bank perceive more about the willingness of the employees to help them than the customers of Prime Bank do. For the item 8 Prime Bank again receives a mean score of 4. 5 whereas the mean score for Southeast Bank is 5. 05 and Dhaka Bank is 4. 9. 4. 1. 3 Comparative Analysis on Assurance dimension: According to the SERVQUAL scale developed by Parasuraman et al. (1988) the assurance dimension of service quality consists of three items.The following Table 3 shows the comparative results in the assurance dimensions for the preferred banks. The result shows that the customers of Prime Bank have given low score in aspect of employees’ behavior and employees’ courteousness than the score given by the customers of other banks. The customers of Prime Bank perceive that the behavior of the employees does not inspire enough confide nce in them. Thus the mean score of Prime Bank for item 9 is 4. 6 which is lower than all other banks. In terms of employees courteousness Prime bank again receives a mean score of 4. which lower than Dhaka Bank and Southeast bank. Table 3: Mean Quality Scores of Prime bank Limited, Dhaka Bank Ltd, Southeast Bank Ltd and Mercantile Bank Ltd for Assurance dimension |Perception Statements in Assurance Dimension |Prime |Dhaka |Southeast Bank |Mercantile Bank | | |Bank |Bank | | | |9. The behavior of the employees of the bank inspires|4. 6 |5. 35 |5. 25 |4. 8 | |confidence in you. | | | | |10. You feel safe in your transactions with your |5. 35 |5. 25 |4. 25 |4. 25 | |bank. | | | | | |11. The employees in your bank consistently courteous|4. 7 |5. 25 |4. 9 |4. 65 | |with you. | | | | | |12. The employees in your bank have the knowledge to |4. |4. 8 |4. 3 |4. 4 | |answer your questions. | | | | | The customers also perceive that the employees of Dhaka Bank are more knowledgeable (Mean sc ore 4. 7) than that of Prime Bank (Mean score 4. 8). However, in this dimension Prime Bank receives a high score than other banks in terms of safe transactions with the bank. The customers of Prime Bank perceived that they feel safer while transacting with the bank than that of other banks. 4. 1. Comparative Analysis on Empathy dimension: The following table 3 shows the customers’ perception on empathy dimension of service quality which consists of four items. This comparative analysis evaluates that the customers of Prime Bank perceives high individual attention from their bank. In this aspect Prime Bank receives a mean score of 5. 0 whereas Dhaka Bank, Southeast bank, and Mercantile Bank receive 4. 7, 4. 2, and 4. 2 respectively. Table 4: Mean Quality Scores of Prime bank Limited, Dhaka Bank Ltd, Southeast Bank Ltd and Mercantile Bank Ltd for Empathy dimension |PerceptionStatements in Empathy Dimension |Prime |Dhaka |Southeast Bank |Mercantile Bank | | |Bank |Bank | | | |13 . Your bank gives you individual attention. |5. 0 |4. 7 |4. 2 |4. 2 | |14. Your bank has employees who give you individual |4. 75 |4. 9 |4. 35 |3. 65 | |attention. | | | | |15. Your bank has your best interests at heart. |4. 9 |4. 35 |4. 15 |4. 55 | |16. The employees in your bank understand your |4. 65 |4. 8 |4. 75 |4. 45 | |specific needs. | | | | | However when it comes to the aspect of employees’ individual attention towards the customers, Prime Bank receives a relatively low mean score of 4. 5 whereas Dhaka Bank receives 4. 9. The customers of Prime bank also perceive more in the aspect that the bank has their best interests at heart than the customers of other banks do. Prime Bank receives a mean score of 4. 9 in this item. On the other hand, Prime Bank receives a relatively low mean score in case of employees’ understanding of customer’s specific needs. Prime Bank receives a mean score of 4. 65 whereas Dhaka Bank and Southeast Bank receive mean scores of 4. 8 and 4. 75. 4. 1. 5 Comparative Analysis on Tangible dimension: The tangible dimension of service quality consists of five items.The subsequent Table 5 shows the comparative results in the tangible dimension for the private commercial banks that is based on the perceptions of the customers. The result explains that the physical facilities of Prime Bank are more visually appealing than other banks. In this aspect Prime Bank receives a mean score of 5. 35, which is higher than the scores of other banks. The customers of Prime Bank also perceive more that materials associated with the service are visually appealing at the bank than the customers of other banks do.Table 5: Mean Quality Scores of Prime bank Limited, Dhaka Bank Ltd, Southeast Bank Ltd and Mercantile Bank Ltd for Tangibles dimension |Perception Statements in Tangible Dimension |Prime |Dhaka |Southeast Bank |Mercantile Bank | | |Bank |Bank | | | |17. The bank has modern-looking and hi-tech |5. 2 |5. 4 |5. 0 |4. 4 | |equ ipments. | | | | |18. The bank’s physical facilities are visually |5. 35 |4. 6 |4. 25 |3. 85 | |appealing. | | | | | |19. The employees of the bank appear neat. |4. 8 |5. 1 |4. 65 |4. 5 | |20. Materials associated with the service are |5. 45 |5. 35 |4. 8 |4. 5 | |visually appealing at the bank. | | | | | |21. Your bank has convenient business hours. |5. 5 |5. 6 |5. 1 |5. 3 | However Dhaka Bank receives a mean score of 5. 4 in the scale item which refers that the bank has modern-looking and hi-tech equipments whereas Prime bank receives a mean score of 5. 2 in this scale item. The customers of Prime Bank also perceive less about the employees’ appearance than the customers of Dhaka Bank do.In this aspect Prime bank receives a mean score of 4. 8 while Dhaka Bank receives a mean score of 5. 1. 4. 2 The five SERVQUAL dimensions: An overall comparison of bank customers’ perception and grand mean scores The following table (Table 6) represents the Grand Mean scores of Prime bank Limited, Dhaka Bank Ltd, Southeast Bank Ltd, and Mercantile Bank Ltd for the five service quality dimensions. In the reliability dimension Prime Bank obtained the highest grand mean score of 5. 25 as the customers of Prime bank think the bank is highly reliable than the customers of other banks do.However, in responsiveness dimension which refers to the willingness of the employees to help customers and provide prompt service, Prime Bank obtained a relatively low grand mean score of 4. 65. In this dimension Dhaka Bank and Southeast Bank receive 5. 05 and 4. 83 respectively. This result evaluates that the customers of Prime Bank are not getting adequate and prompt response from the employees of the bank. Again in terms of assurance Prime Bank obtained a grand mean score of 4. 82 whereas Dhaka Bank receives a grand mean score of 5. 16.This dimension is defined as the knowledge and courtesy of employees and their ability to convey trust and confidence. The customers of Prim e Bank perceive less about the employees’ courteousness than the customers of Dhaka Bank do. The next service quality dimension is empathy which is defined as caring and individualized attention provided to customers (Parasuraman et al. , 1988). Prime Bank obtained a grand mean score of 4. 91 which is relatively higher than the other banks. The customers of Prime Bank also think that the bank has adequate modern looking and hi-tech equipments and the physical facilities are visually appealing.So the bank obtained a grand mean score of 5. 26 in tangibles dimension while in the same service quality dimension Dhaka Bank, Southeast Bank, and Mercantile Bank receive 5. 21, 4. 76, and 4. 54 respectively. Table 6: Grand Mean Quality Scores for five SERVQUAL dimensions |Five Dimensions of Service Quality |Prime |Dhaka |Southeast Bank |Mercantile Bank | | |Bank |Bank | | | |Reliability |5. 5 |4. 82 |4. 55 |4. 75 | |Responsiveness |4. 65 |5. 05 |4. 83 |4. 43 | |Assurance |4. 83 |5. 16 |4. 67 |4. 52 | |Empathy |4. 82 |4. 68 |4. 36 |4. 21 | |Tangibles |5. 26 |5. 1 |4. 76 |4. 54 | According to results of the Grand Mean scores, Table 7 represents the rankings of the banks in five different dimensions and which is prepared on the basis of customers’ evaluation. The result shows that Prime Bank is ranked first in reliability, empathy and tangibles dimensions. However in terms of responsiveness Prime Bank is ranked as third while Dhaka Bank is ranked first. Again in case of assurance Prime Bank is ranked second whereas Southeast Bank is ranked first.Table 7: Ranking of the Private Commercial Banks on the basis of the perception of the customers on five SERVQUAL dimensions |Name of the Private Commercial Banks |Reliability |Responsiveness |Assurance |Empathy |Tangibles | | Prime Bank Limited |1 |3 |2 |1 |1 | | Dhaka Bank Ltd |2 |1 |1 |2 |2 | | Southeast Bank Ltd |4 |2 |3 |3 |3 | | Mercantile Bank Ltd |3 |4 |4 |4 |4 | 4. Factor Analysis on SERVQUAL dimensions The study also includes a factor analysis of the five SERVQUAL dimensions for four different banks using varimax rotation. The factor analysis of five service quality dimensions will help the researcher to check whether the scale items included in the questionnaire constituted a single dimension in the specific context of the different private commercial banks or not. Factor 1: Reliability The data gathered on the scale items for the service quality questionnaire developed by Parasuraman et al. (1988) are factor analyzed to check the component structure of the reliability dimension for four different commercial banks.Appendix 1 summarises the scale items used for the dependent and independent variables used for the study. Appendix 2 represents the total variance for the five service quality dimensions. In case of Prime Bank, two scale items out of five of the reliability dimension appeared to be too generalized in terms of explaining reliability and could be remove from the factor. Scal e Items 1, 2, and 3 could be retained for the final factor structure (Table 8), which resulted in a single factor and explained 30. 36% of the cumulative variation. On the other hand, all the items are grouped into one single factor in terms of Dhaka Bank (Table 9). Table 8: Factor Analysis: Prime Bank Table 9: Factor Analysis: Dhaka BankRotated Component Matrix (a, b) Component Matrix (a, b) | |Dhaka Bank | | |Component | | |1 | |ITEM 3 |. 834 | |ITEM 2 |. 810 | |ITEM 5 |. 758 | |ITEM 4 |. 742 | |ITEM 1 |. 729 | | |Prime Bank | | |Component | | |1 |2 | |ITEM 3 |. 860 |. 186 | |ITEM 1 |. 769 |-. 050 | ITEM 2 |. 428 |-. 153 | |ITEM 4 |-. 024 |. 852 | |ITEM 5 |-. 047 |. 817 | Table 10: Factor Analysis: Southeast Bank Table 11: Factor Analysis: Mercantile Bank Rotated Component Matrix (a, b) Rotated Component Matrix (a, b) | |Southeast Bank | | |Component | | |1 |2 | |ITEM 1 |. 893 |-. 005 | |ITEM 3 |. 827 |-. 237 | |ITEM 5 |. 753 |. 138 | |ITEM 2 |-. 58 |. 881 | |ITEM 4 |. 017 |. 784 | | |Mercantile Bank | | |Component | | |1 |2 | |ITEM 2 |. 850 |. 119 | |ITEM 4 |. 568 |-. 129 | |ITEM 5 |-. 084 |. 857 | |ITEM 3 |. 537 |. 607 | |ITEM 1 |. 533 |-. 534 | However, in case of Southeast Bank two out of three items again seemed too general and thus they could be eliminated from the reliability factor.Table 10 shows that Scale Items 1, 3, and 5 could be retained in a single factor for Southeast Bank and explained 41. 04% of the cumulative variation. For Mercantile Bank, Item 1, 2, 3, and 4 could be retained to construct a single factor, which explained 32. 51% of the variation. Factor 2: Responsiveness The scale items of responsiveness dimension are factor analyzed, which confirmed that the items were grouped into one factor. For Prime Bank the result in Table 12 shows that all the scale items on responsiveness dimension constitute a single factor and explained 45. 21% of cumulative variance. Also for Dhaka Bank all three of the items constituted a single factor however it explained 48. 65% of the variance.Table 12: Factor Analysis: Prime Bank Table 13: Factor Analysis: Dhaka Bank Component Matrix (a, b) Component Matrix (a, b) | |Prime Bank | | |Component | | |1 | |ITEM 6 |. 722 | |ITEM 7 |. 706 | |ITEM 8 |. 580 | | |Dhaka Bank | | |Component | | |1 | |ITEM 7 |. 853 | |ITEM 6 |. 839 | |ITEM 8 |. 170 |Table 14: Factor Analysis: Southeast Bank Table 15: Factor Analysis: Mercantile Bank Rotated Component Matrix (a, b) Component Matrix (a, b) | |Mercantile Bank | | |Component | | |1 | |ITEM 8 |. 903 | |ITEM 6 |. 810 | |ITEM 7 |. 493 | | |Southeast Bank | | |Component | | |1 |2 | |ITEM 6 |. 779 |. 287 | |ITEM 8 |. 772 |-. 296 | ITEM 7 |. 000 |. 937 | In terms of Southeast Bank, two out of three scale items constituted a single factor and thus Item 7 could be removed. The single factor explained 40. 10% of the cumulative variation. However, all the three initial items constituted again a single factor and resulted in 57. 14% of the variance for Mercant ile Bank. Factor 3: Assurance Four scale items are initialized to constitute a single factor for assurance dimension. Table 16 shows that two scale items such as Item 10 and Item 12 have shown the possibility to represent a single factor with a variance of 41. 10% for Prime Bank Limited.Item 9 and Item 11 which represent the behavior of the employees and the courteousness of the employees, seemed weak to fit in the single factor for Prime Bank as they represent only 29. 12% of the cumulative variance. Table 16: Factor Analysis: Prime Bank Table 17: Factor Analysis: Dhaka Bank Rotated Component Matrix (a, b)Component Matrix (a, b) | |Prime Bank | | |Component | | |1 |2 | |ITEM 12 |. 892 |. 171 | |ITEM 10 |. 889 |-. 154 | |ITEM 9 |. 77 |. 750 | |ITEM 11 |-. 159 |. 741 | | |Dhaka Bank | | |Component | | |1 | |ITEM 12 |. 854 | |ITEM 10 |. 711 | |ITEM 9 |. 618 | |ITEM 11 |. 539 | Table 14: Factor Analysis: Southeast Bank Table 15: Factor Analysis: Mercantile Bank Rotated Component Matrix (a, b) Rotated Component Matrix (a, b) | |Southeast Bank | |Component | | |1 |2 | |ITEM 9 |. 811 |. 129 | |ITEM 12 |. 781 |-. 054 | |ITEM 10 |. 163 |-. 830 | |ITEM 11 |. 270 |. 783 | | |Mercantile Bank | | |Component | | |1 |2 | |ITEM 11 |. 910 |. 178 | |ITEM 9 |. 841 |-. 094 | |ITEM 12 |-. 152 |. 871 | |ITEM 10 |. 477 |. 01 | In assurance dimension, three out of four scale items constituted a single factor for Southeast Bank Ltd. Item 9, 10, and 12 represents that single factor and explained 34. 15% of the cumulative variance. Item 11 that represents employees’ consistent courteousness could be removed from the scale of assurance dimension for Southeast Bank Ltd. In terms of Mercantile Bank Ltd, three items could be retained to constitute a single factor and explained 44. 66% of the cumulative variance. Factor 4: Empathy The factor analysis on empathy dimension shows that Item 17 and Item 18 are more likely to constitute a single factor for Prime Bank (Table 16).This single factor represents 37. 52% of the variance. On the other hand, three out of four scale items appeared to constitute a single factor for Dhaka Bank with 42. 08% of the variance. Table 16: Factor Analysis: Prime Bank Table 17: Factor Analysis: Dhaka Bank Rotated Component Matrix (a, b) Rotated Component Matrix (a, b) | |Dhaka Bank | | |Component | | |1 |2 | |ITEM 13 |. 836 |-. 226 | |ITEM 16 |. 828 |. 285 | |ITEM 14 |. 163 |. 875 | ITEM 15 |. 522 |-. 660 | | |Prime Bank | | |Component | | |1 |2 | |ITEM 17 |. 857 |. 312 | |ITEM 18 |. 820 |-. 323 | |ITEM 16 |. 252 |. 830 | |ITEM 15 |. 177 |-. 558 | Table 14: Factor Analysis: Southeast Bank Table 15: Factor Analysis: Mercantile Bank Rotated Component Matrix (a, b) Rotated Component Matrix (a, b) | |Mercantile Bank | |Component | | |1 |2 | |ITEM 16 |. 894 |. 083 | |ITEM 14 |. 878 |. 004 | |ITEM 15 |-. 133 |. 830 | |ITEM 13 |. 237 |. 773 | | |Southeast Bank | | |Component | | |1 |2 | |ITEM 15 |. 883 |-. 135 | |ITEM 13 |. 776 |. 415 | |ITEM 14 |-. 108 |. 891 | |ITEM 16 |. 473 |. 725 |In terms of Southeast Bank, three out of four scale items constituted a single factor and thus Item 14 could be removed. The single factor explained 40. 43 % of the cumulative variance. Again, for Mercantile Bank Item 16 and Item 14 appeared to constitute a single factor and explained 41. 08% of the variance. Factor 5: Tangibles The tangible initially contains five scale items. After factor analysis for Prime Bank Limited, the result shows that two items are too generalized and thus could be removed. Thus Item 17, 18 and 21 constituted a single factor which explained 33. 94% of the variance. Three items also constituted a single factor structure for Dhaka Bank although here the items are 18, 19, and 20 with 32. 3% of the variance. Table 16: Factor Analysis: Prime Bank Table 17: Factor Analysis: Dhaka Bank Rotated Component Matrix (a, b) Rotated Component Matrix (a, b) | |Prime Bank | | |Component | | |1 |2 | |ITEM 17 |. 778 |. 137 | |ITEM 21 |. 772 |-. 499 | |ITEM 18 |. 691 |. 291 | |ITEM 20 |. 048 |. 774 | |ITEM 19 |. 124 |. 736 | | |Dhaka Bank | |Component | | |1 |2 | |ITEM 18 |. 859 |. 048 | |ITEM 19 |. 853 |. 258 | |ITEM 21 |-. 082 |. 776 | |ITEM 20 |. 300 |. 657 | |ITEM 17 |. 224 |. 612 | Rotated Component Matrix (a, b) Rotated Component Matrix (a, b) | |Mercantile Bank | | |Component | | |1 |2 | |ITEM 21 |-. 768 |. 029 | |ITEM 19 |. 687 |. 142 | |ITEM 20 |. 25 |-. 409 | |ITEM 17 |. 269 |. 881 | |ITEM 18 |. 345 |-. 490 | | |Southeast Bank | | |Component | | |1 |2 |3 | |ITEM 18 |. 902 |-. 223 |-. 074 | |ITEM 20 |. 689 |. 427 |. 177 | |ITEM 17 |-. 059 |. 936 |. 067 | |ITEM 19 |. 458 |. 491 |-. 488 | |ITEM 21 |. 069 |. 092 |. 917 |The factor analysis for Southeast Bank in tangible dimension shows that three out of five scale items constituted a single factor which represented 30. 13% of the variance. In terms of Mercantile Bank four items constituted a single factor with 32. 88% of variance. 5. 1 Findings of the R esearch On the base of survey, theoretical analysis and practical experience of 3 months internship program the following findings are identified during the research period: ? The customer service quality of Prime Bank Limited is not satisfactory enough in terms of responsiveness and assurance of the employees in comparison with the studied private commercial banks. Customers perceived a relatively low quality in these dimensions than the customers of other private commercial Banks. The courteousness, promptness, and attitude of the employees towards their work are the critical issues and need to improve significantly to provide better quality service to the customers. ? The Bank has no segmentation to handle different type of customers. They are equally treating of all the customers to provide service. Nevertheless high status clients seek on extra honor from Bank or institution. ? It is found that the recruitment policy of the bank is not always fair. Intelligence and capability a re not always the criteria for selection. People who have good relation with influential persons have the chance to enter through backdoor. Most of the times these people do not have the ability to compete with other banks’ workforce in terms of performance.As a result the service quality and innovativeness of the bank is deteriorating day by day whereas the other private commercial banks that have a good recruitment policy are doing well and are also enhancing their reputation among talented job seekers. ? PBL has a very long hierarchy than other Bank. In some of the bank there are only 9-10 posts before Managing Director but in PBL this number is 15, which might be a cause of demotivation to the employees. ? Most of the customers of the bank ask for more quality service especially quick, accurate service and good behavior from bankers as they think a private bank should provide such quality sufficiently. Lack of Good Cooperation is identified among the work procedures and a lso among the employees of the bank which results in lengthiness and ineffective service. Recommendations As per earnest observation some suggestions for the improvements of the situation are given below: ? Bank is a service-oriented financial organization. Its business profit depends on its service quality. That’s why the authority always should be aware about their service quality and thus should take initiative to measure the service quality of the bank periodically on different dimensions. ? Management should carefully handle the different departments of general banking in regard to provide better quality service. ? The quality of customer service should be considered as absolutely indispensable. In general banking department it is necessary to implement modern banking process instead of traditional system. It should be more computerized to. ? As Prime Bank Limited is the financial institution and one depends to another to complete a process fully. So lack of cooperation should be minimized to provide prompt service

Intellectual Power

Intellectual Power: How it is Measured, and its Effect on Learning Intellectual Power: How it is Measured, and its Effect on Learning Intellectual power, brainpower and mental capacity can all be defined as intelligence. According to The Developing Child, intelligence is a set of abilities defined in various ways by different psychologists but generally agreed to include the ability to reason abstractly, the ability to profit from experience, and the ability to adapt to varying environmental contexts (Bee & Boyd, 2012, p. 67). Basically, intelligence is the ability to acquire and apply knowledge and skills. The first modern intelligence measuring tests where created over one hundred years ago. These tests where designed to incorporate the same tasks the children were performing in school; math, reading comprehension, vocabulary etc. The results of these tests identified children who may have had some problems or difficulties in school (Bee & Boyd, 2012, p. 167).Since that period, the measuring of intelligence has drastically changed. The most widely accepted method of assessing intellectual power is a standardized test called the intelligent quotient, or IQ test. The IQ test is a performance test that ranks an individual’s intelligence based on a score generated from tests results. This score compares the individual to his or her peers. For children, the test scores are compared to his or her counterparts of the same chronological age group (Bee & Boyd, 2012, p. 67). Another type of intelligence testing is achievement testing. These types of tests assess what a child has been taught and learned in school. It is based on specific material such as vocabulary or algebra. Just like the IQ test, it is also a test based on performance (Bee & Boyd, 2012, p. 171). Intelligence testing has been amongst the most controversial topics in psychology and other professional arenas such as education as well as amongst the general public (Gottfredson & Saklofske, 2009, p . 84). There are many that feel that standardized tests, like the IQ test, are not a sufficient indicator of intelligence. Howard Gardner, a developmental psychologist, believes that there are multiple types of intelligences. He broke them into seven categories: * Verbal/Linguistic intelligence – The ability to use words effectively * Logical/Mathematical Intelligence – The ability to use reasoning skills * Visual/Spatial Intelligence – The ability to ecreate one’s visual experiences * Bodily/Kinesthetic Intelligence – To establish harmony between body and mind * Musical/Rhythmic Intelligence – The ability to create/respond to a pattern of sounds * Interpersonal Intelligence – The ability to evaluate feelings of others * Intrapersonal Intelligence – To accurately evaluate one’s own feelings The seven intelligences enable the individual,  Ã¢â‚¬Å"to perform transformations and modifications of one’s perceptionsâ⠂¬  and â€Å"to recreate aspects of one's experiences† (Gardner 1983, p. 173). An additional intelligence, Naturalistic (nature), was added to Gardner’s theory in the 1990s.The IQ test and other standardized tests at present, do not measure all â€Å"eight† intelligences proposed in Gardner’s theory. Almost everyone agrees that intelligence is a product of nature and nurture, genetics and environment. The study of intelligence and how it affects learning has been ongoing for years. There are so many questions that don’t have exact answers which hinder the efforts of those trying to analyze the relationship between intelligence and learning: â€Å"How is intelligence measured? What method is used to assess learning? † For the majority, intelligence is directly related to learning.The more â€Å"intelligent† you are, the more capacity of learning can take place. References Bee, H. ; Boyd, D. (2012). The Developing Child (13th Edition) . Pearson Education Inc. Gardner,   H. (1993a). Frames of mind: The theory of multiple intelligences /10th  Anniversary Edition. New York: Basic Books. Retrieved from: http://www. intime. uni. edu/model/teacher/teac1summary. html Gottfredson L. ; Saklofske D. (2009). Intelligence: Foundations and Issues in Assessment. Canadian Psychology  © 2009 Canadian Psychological Association. Vol. 50, No. 3, 183–195

John Jay-(Chief Justice U.S) Essays - John Jay, Free Essays

John Jay-(Chief Justice U.S) Essays - John Jay, Free Essays John Jay-(Chief Justice U.S) John Jay was born on December 12, 1745 in New York City. He was a descendant of early Huguenot and patrician Dutch settlers, who grew up in a comfortable home. He graduated from King's college in 1764 and four years later he began his career as a lawyer. John Jay married Sarah Van Brugh Livingston on April 28, 1774. John Jay was a distinguished statesman and was known as a respected political figure due to his judgement, fairness, and ability to make decisions that he felt were right but were not always popular. After being accepted as a lawyer, Jay later became a New York delegate to the First and Second Continental Congresses. There he served as president from 1778 to 1779. Following his term as president, Jay was appointed as U.S minister to Spain. After he returned to the United States, he was informed that he had been chosen as secretary of foreign affairs. While working with the European congresses Jay came to realize that the U.S needed a stronger central government. Along with Alexander Hamilton and James Madison, Jay wrote letters to newspapers to urge the ratification of the constitution. In 1789 John Jay was appointed chief justice of the United States by President George Washington. While he was chief justice he traveled to Great Britain to attempt to negotiate settlements of the issues between the two nations. In 1794 George Washington made his last desperate attemt to avoid war when he decided to send John Jay to London. The Jeffersonians were not pleased with this decision. They feared that such a well-known federalist and Britain-lover would "sell out" his country. After his arrival in London, Jay further alarmed the Jeffersonians when at the presentation ceremony he kissed the queen's hand. An American Journal wrote about the so-called betrayal of John Jay to his country, "Hear the voice of truth, hear and believe! John Jay, ah! the arch traitorseize him, drown him, hang him, burn him, flay him alive! Men of America, he betrayed you with a kiss!" Upon his return to the United States, Jay resigned from his position as chief justice to serve as governor of New York and served two terms. In 1801 he refused further public office and retired to his Bedford, N.Y home, where he died on May 17, 1829. He was one of the last of the revolutionary patriarchs. Many of the procedures adopted by John Jay in his lifetime are still used in todays judicial body.

Essay on The Tables Turned by William Wordsworth essays

Essay on The Tables Turned by William Wordsworth essays THE TABLES TURNED BY WILLIAM WORDSWORTH The intention of this poem is to convince the reader of the wisdom that Nature has. This is just a mere theory of the speaker presented in the text through the opposing point of view of the poetic voice and his friend who thinks that books are the source of wisdom, but the poetic I argues, "Let Nature be your Teacher" (line 16). The intellectual pursuit of knowledge, he argues, distorts "the forms of things," (line 17) but Nature is sweet. There is a relation of friendship between the poetic I and the addressee, in which there is a close supposedly affection, which we assume from the use of the appellative friend (line 1 and 3). However with regards to authority it seems that the speaker is placed in a little inferior position, since he tries to convince his friend. The speakers presence is very obvious, in the fact that he refers to himself using the possessive pronoun my (lines 1, 3 and 11). So we have a case of a double situational context, as the speaker is on the one hand addressing to his friend and on the other to us, the implied reader. In fact, it seems that the author has used his friend as a pretext for addressing us. So, the speaker s goal is to convince his friend, and also to us who are supposed to share the friends opinion. There is an attempt to convince the reader of the truth of an assertion that is hard to accept because it opposes to what has conventionally been said. We can even perceive this idea in the title of the poem (The tables Turned) which shows that the author was aware of the difficulty of his intention. In the first stanza we have three directives and a statement. The poetic I is requesting his friend to quit his books and also to clear his looks, through the use of imperatives and ends with a question which provides negative connotations to books, since he describes them as ...

5-Complaints-You-Arent-Hearing-From-Your-Employees

5-Complaints-You-Arent-Hearing-From-Your-Employees Even the best leaders occasionally overhear the people they supervise griping about something at work- interdepartmental kvetching is normal, and it can even be healthy blow off steam! But that doesn’t mean it’s easy to hear. Heather Younger, Employee Experience Consultant writing for the Huffington Post, has some insights- the things your employees are probably thinking but don’t want to tell you. Maybe you can start making changes before discontent roils over into more disruptive activity.1. They want you to care about them as people.Yes it takes energy to get to know your employees and accommodate their needs, but it’s a crucial investment in the strength of your business and the resilience of your workforce. Be willing to listen- even to the things that are tough to hear- and willing to take action once you’ve received valid feedback.2. They feel they can’t provide honest feedback.Every employee can probably point to a time when they spok e up about something and were ignored or overruled or faced consequences later. Have you created a safe space? Do employees have an anonymous way to contribute feedback?Let them tell you what you could be doing better, and don’t punish them for noticing vulnerabilities. Provide positive recognition for employees who provide especially helpful ideas, and you will be rewarded with closer working relationships among your team.3. They often do not trust their manager or senior leaders.Mistrust, in my experience, arises when employers actions do not match their words. If your employees see you putting on one face in a meeting and another one behind closed doors, if you make promises you fail to fulfill, or if you violate their confidence, their trust in your may take a hit. This is particularly true for micromanagers- if you clearly don’t trust your employees to do the job you hired them for, why should they trust you to direct their talents and time?4. Recognize and cultiv ate meaningful work.Odds are you’ve already learned about at least a few of your employees’ outside passions- the things they would spend time on even if they weren’t paid to do it. How can you bring some element of those hobbies or interests into their daily work?At my most frustrating job experience with an arts education nonprofit, one of the best outlets my manager was able to give me was helping in an arts workshop after school. It gave me a break from writing grants and trying to manage board members and provided a really important window into the teaching I really wanted to be doing. Maybe it feels silly to have a conversation about how to bring private interests into the workplace, but it revolutionized the way I thought about that job.  5. Many are seeking opportunities to grow, inside or outside of your organization.Along the same lines, remember that your employees probably don’t see themselves in their current role permanently. If you donâ⠂¬â„¢t already have annual meetings to review their work and set short- and long-term goals, establish some ASAP. Make sure you know what they’re hoping to accomplish and take steps together to advance them towards those goals. If you don’t, some other company will.So open your door and listen up- try to hear what your employees aren’t saying and respond as though they had spoken up!5 Things Your Employees Aren’t Telling You But You Need to KnowRead More at Huffington Post

Looking Backward Essay Example | Topics and Well Written Essays - 500 words

Looking Backward - Essay Example The benefits of the evolution of this industrial system have been manifest. This has made other governments like Europe to emulate the same mode of a single system of control because of the economic underperformance experience in the decentralized industrial control system. The government has considered the efficiency, which streams from the application of scientific forms of production. Additionally, supply of products is linked to the demand of the various products produced. Logistics have been introduced to ensure that the bureaucratic structures put in place are beneficial. Bellamy also analyzes the aspect of equality of labor in the novel, ‘Looking Backward’. In this regard, shared labor has been construed to be the driver of social order and scientific socialism. According to Bellamy, human welfare and equality can be fostered by a society, which is efficiently managed (47). This is because the humanity aspect is indispensable in the search of equality at work. The social order has made people co-exist in every aspect to an extent that it is impossible for any person to alienate himself from the society for any course. Bellamy remarks, â€Å"†¦Our entire social order is so wholly based upon and deduced from [compulsory national service] that if it were conceivable that a man could escape it, he would be left with no possible way to provide for his existence. He would have excluded himself from the world, cut himself off from his kind, in a word, committed suicide†¦Ã¢â‚¬  (Bellamy, 59). Equality in social labor is mandatory fo r any person to be on equal footing with the rest of the community. Bellamy asserts that synergistic effort helps in the fostering of unity in the industrial setting rather than the fear of retribution (37). Citizenship is correlated with work. Through this work equality is achieved by all the citizens. The women are not

Tesco Case Study Assignment Example | Topics and Well Written Essays - 3750 words

Tesco Assignment - Case Study Example In this regard, frameworks of strategic management like, PESTLE, Porter’s competitive forces and value chain analysis, has been employed. The first part of the report discusses macro environmental issues, which affects the U.K. food retail industry. This is followed by analysis of Porter’s competitive forces to evaluate parameters that affect competitiveness of the business. The section of the report containing the internal strategic analysis deals with financial appraisal, resource appraisal and value chain analysis. The penultimate section of the report comprises ethical practices that have been adopted by the Tesco. The last section presents the recommendations that can be adopted by Tesco so as to overcome current issues that are being faced by the company and maintain its position as the market leader. The findings from the report indicate that weak economic conditions in Europe can dampen future growth of the business. The first recommendation for the company is to introduce lower costs and discounts in the future in order to retain market share. The changing pattern of food consumption in U.K. and rising popularity of organic food will be essential determining factors for growth of the food retail industry. So, the second recommendation focuses on increasing availability of cheap organic food. The analysis from the report has shown that sale in U.K. has dropped for Tesco. This paper suggests that increasing promotional measures can raise the sales. Owing to increasing concern of the government regarding environmental issues, this paper recommends that further sustainability can be attained by adopting energy saving practices. Finally, the analysis has also revealed that dialogue with the customers have weakened, which is hindering business growth. The final recommendation of the report is that engagement with the customers must be strengthened in way of modifying existing practices or adopting new ones. In any modern industry,

DiSC Personality Sssessment Research Proposal Example | Topics and Well Written Essays - 750 words

DiSC Personality Sssessment - Research Proposal Example How important is it that a persons' DISC Profile match up with the perceived needs of a particular job I wish to address this problem specifically within the context of a teacher's perception of a secondary principal in his or her role of leading teachers through the change process. This could serve as a useful tool in improving the performance of a secondary principal or even help in defining the actual expectations for a particular position. From this basic research, many more meaningful studies could come about. The problem is that we wish to understand what teachers need from the secondary principal in terms of DISC traits and if these perceived needs have the potential to be fulfilled within the actual relationship. We could discover if it is in some way helpful to use the DISC Profile in identifying future candidates and delineate which particular qualities in the candidate make them most appropriate. The study could be used as an aide to modify the performance of an existing principal by identifying key areas for improvement. The purpose of the study is to determine if there is any correlation between a teacher's perspective of DISC Profile personality traits of an ideal secondary principal and the actual results of DISC analysis of a secondary principal... One provocative theory is that the teachers know best about which personality traits a principal must possess in order to achieve success in leading them through the change process. In an ideal situation, these expectations would be fully realized during the change and correlate closely with the actual DISC assessment of a successful principal. This is the most tempting possibility because it is the simplest and most straightforward. It lends credence to the idea that there is a high degree of correlation between expectations and outcome. When the project is moving along according to plan, then it is an excellent indicator that all is well. Further investigation is required only when the performance is unsatisfactory. The DISC analysis is a useful tool because it is geared towards self-improvement and personal growth. In this study, discrepancies between actual and perceived DISC traits could be revealing in such a way that would allow a secondary principal to achieve his or her full potential. If from a teacher's perspective a secondary principal was lacking in some critical personality trait and this conflicted with his or her DISC Profile, then that might indicate the capacity and need for change. The DISC Profile could act as a common ground between all of the individuals involved in the process and provide direction for increasing the effectiveness of the project as a whole. The methodology of this research study would involve the distribution, collection, and analysis of a DISC type personality trait inventory sent to teachers and comparison of these inventories to an actual DISC Profile completed by the secondary principal. As a model for the study, one local high school would be selected to participate based on interest and the ability to

Small-scale research study Essay Example | Topics and Well Written Essays - 1500 words

Small-scale research study - Essay Example They were requested to return the questionnaires to the researcher upon completion. Since there were just a few teachers who taught mathematics in KS1, they were all recruited for the study, although three were unable to participate due to unavailability and scheduling conflicts. The questions in the questionnaires were a product of the researcher’s secondary research findings and observations of KS1 classes. Responses for the survey questionnaire have been charted (see Appendix 2). The Likert-scale responses were averaged and the percentages were translated into pie charts. The qualitative remarks added by the respondents were categorised likewise, according to the questions and summarised in the presentation of the findings. Analysis of the findings was based on the responses of the study’s participants as well as knowledge gleaned from the review of literature. The items were compared according to the responses of the participants. Presentation & Analysis of Primary Findings: On analysing Questions 1 and 2 on the questionnaire, it was found that all teachers felt their classroom was equipped with teaching aids. 67% agreed this was the case and 33% strongly agreed. The types of materials that classrooms featured include: Number lines to 20,30,100 hundred squares counting/ sorting objects measuring equipment such as rulers, tape measure, weighing scales number cards/ flashcards calculators place value equipment number games 2D and 3D shapes Pegs, boards Fractions equipment. Months and dates calendar Coins Block charts Tally charts Treasure maps Number posters Number books (big teaching books and story books) Workbooks Children’s own work Similar results were obtained in relation to whether teachers felt they had enough manipulative materials to facilitate the development of numeracy skills. 83% agreed with this and 17% strongly agreed. A graph showing these results can be seen below. This shows that while there are materials available in t he classroom, fewer teachers strongly agree that there are enough materials for them to effectively facilitate numeracy skills. It is important to note that the classrooms have enough concrete materials for the children to learn math concepts with, as Ruthven (1987) contends that it is essential to their learning since they think in more concrete ways. This was found out in the secondary research. In the primary findings although everyone agreed that they had enough manipulative materials in their schools, they also said they could always do with more. Some revealed that they also had access to materials which are located in the corridors; however these materials are shared by all classes. This means that sometimes materials may not be available because other classes are using them. The manipulative materials which the teachers believed fostered numeracy skill development are cube blocks, counting items such as beads, puzzle games, weighing scale and weight measures and some Montess ori-inspired materials such as sequencing sets, measuring cups and math board games. It is evident that the teachers in the primary research knew how these manipulative materials are able to serve as scaffolds to independent and more abstract learning of math, as Bruce & Threlfall (2004) mentioned in the secondary research. As children gained more skills in numeracy, these â€Å"scaffolds† may eventually be done without when they are ready to think more abstractly. Childrens Use of Materials The teachers were then asked if children used the materials independently in

Unionization in Baseball Organizations Essay Example | Topics and Well Written Essays - 2000 words

Unionization in Baseball Organizations - Essay Example Unionization in Baseball Organizations This study will also aim to increase the awareness and provide a better understanding of the issues and problems concerning the major league baseball and its organizations in order to contribute an effective approach in addressing their problems. The research will be based on the following assumptions: (a) all participants will be utilizing the correct procedures as outlined in the guidelines for the specific methodology employed, and (b) all participants will answer questions honestly to the best of their ability. Time will be the greatest limitation to this research, which could hinder long-term outcome objectives. Environmental factors, such as socioeconomic status, will not be controlled, and this could create many variables within the research. As this study will utilize a small sample of respondents, the results may not effectively represent the general population. This study was conducted in order to determine the positive and negative effects of unionization on major league baseball. In this study, the interview method of data gathering was utilized, with a combined total of 25 football players and 25 football managers as participants. For this study, the descriptive method was utilized. In this method, the study became cheap and quick. It also suggested unanticipated hypotheses. This paper utilized the descriptive approach because it is difficult to disregards alternative explanations. Therefore observations are being used to this study. To illustrate the descriptive type of research, Creswell (1994) guided the researcher. "The purpose of employing this method was to describe the nature of a situation, as it existed at the time of the study and explored the cause/s of particular phenomena. The researcher opted to use this kind of research considering the desire of the researcher to obtain first hand data from the respondents so as to formulate rational and sound conclusions and recommendations for the study" (Remenyi, 1998). To come up with pertinent findings and provide credible recommendations, this study utilized two sources of research: primary and secondary. Primary research data were obtained through this new research study. Questionnaire survey and in-depth interview was also conducted. On the other hand, the secondary research data were obtained from previous studies on the same topic. The Research Design In order to come up with the most suitable research

The Electronic Policy Network Research Paper Example | Topics and Well Written Essays - 750 words

The Electronic Policy Network - Research Paper Example The users access the policy network through the subject lists; for instance, democracy, globalization, trade, and gender. Each topic has links to other appropriate and relevant websites. The users can access information from their preferred organizations through signing-up. The information is periodically sent to their e-mail. The American Civil Liberties Union (ACLU) is one organization that is represented in the online consortium. The ACLU entails a non-partisan and also a non-profit organization. The mission of the organization involves defending the individual rights and also the liberties of individuals, which are guaranteed in the United States constitution and other applicable laws1. The ACLU works through various approaches, for instance, community education, litigation and lobbying. The organization was started in 1920 by the initiatives of Roger Baldwin, Walter Nelles, and Crystal Eastman. The organization has more than 500,000 members, and its annual budget estimates is approximately $100 million. The organization has affiliates in all the states in America and also Puerto Rico. The ACLU gives legal assistance during cases that put at risk the civil liberties. The legal support provided include; direct legal representation, and the preparation of amicus curiae briefs that illustrate legal argum ents. The amicus curiae briefs are prepared, when another legal firm is adequately providing legal representation. At the initial formation stages, the main focus of the ACLU was the freedom of speech. This was majorly applicable to the anti-war protestors2. In the 1920s, the organization increased its activities to encompass safeguarding the free speech rights of striking employees and also artists. The enhanced activities also entailed the collaboration with the national Association for the Advancement of Colored People (NAACP). The collaboration was aimed at preventing discrimination and also racism. In the 1930s, the organizations began to

Unionization in Baseball Organizations Essay Example | Topics and Well Written Essays - 2000 words

Unionization in Baseball Organizations - Essay Example Unionization in Baseball Organizations This study will also aim to increase the awareness and provide a better understanding of the issues and problems concerning the major league baseball and its organizations in order to contribute an effective approach in addressing their problems. The research will be based on the following assumptions: (a) all participants will be utilizing the correct procedures as outlined in the guidelines for the specific methodology employed, and (b) all participants will answer questions honestly to the best of their ability. Time will be the greatest limitation to this research, which could hinder long-term outcome objectives. Environmental factors, such as socioeconomic status, will not be controlled, and this could create many variables within the research. As this study will utilize a small sample of respondents, the results may not effectively represent the general population. This study was conducted in order to determine the positive and negative effects of unionization on major league baseball. In this study, the interview method of data gathering was utilized, with a combined total of 25 football players and 25 football managers as participants. For this study, the descriptive method was utilized. In this method, the study became cheap and quick. It also suggested unanticipated hypotheses. This paper utilized the descriptive approach because it is difficult to disregards alternative explanations. Therefore observations are being used to this study. To illustrate the descriptive type of research, Creswell (1994) guided the researcher. "The purpose of employing this method was to describe the nature of a situation, as it existed at the time of the study and explored the cause/s of particular phenomena. The researcher opted to use this kind of research considering the desire of the researcher to obtain first hand data from the respondents so as to formulate rational and sound conclusions and recommendations for the study" (Remenyi, 1998). To come up with pertinent findings and provide credible recommendations, this study utilized two sources of research: primary and secondary. Primary research data were obtained through this new research study. Questionnaire survey and in-depth interview was also conducted. On the other hand, the secondary research data were obtained from previous studies on the same topic. The Research Design In order to come up with the most suitable research

From what you know about action potentials describe feasible Essay

From what you know about action potentials describe feasible mechanisms whereby anaesthetics might prevent pain - Essay Example Moreover, its pharmacological effect is evidenced by normal laryngeal-pharyngeal reflexes and extreme analgesia. To this end, the drug’s central point of action in the Central Nervous System is the thalamo-neocortical projection area. Consequently, the ketamine discriminately lowers the neuronal action in certain parts of the cortex. This is action is more evident in the thalamus and association areas. At the same time, it stimulates the certain areas in the limbic system and hypothalamus (Reiss, Evans, & Broyles 2002). This ultimately results to functional disorganization of unprescribed pathways in the thalamic and midbrain region. Ketalar equally lowers the impulse transmission within the medial medullary formation in the reticular. This area is critical in transmitting the emotional-affective parts on noiception the higher brain areas from the spinal cord. In addition, the analgesic effects of ketamine are attributed to its occupation of the opiate receptors in the spinal cord and brain. The interaction with the N-Methyl-d-aspartate at times mediates the analgesic and anesthetic action of ketamine (Rosdahl & Kowalski 2008). Moreover, Ketamine’s analgesic effect on the spinal cord is due to the prevention of neuronal action on the dorsal horn wide range dynamic. Evidently, the notion that CNS sodium blockade channels are the mechanism by which ketamine results to anesthesia, has been scientifically dispelled. Anesthesia Related Drugs. (n.d.).hirnforschung.kyb.mpg.de. Retrieved January 24, 2013, from

Perception of the CABEIHM Students Essay Example for Free

Perception of the CABEIHM Students Essay Romeo G. Fajardo (2006) stressed that the student’s success is dependent on their effectiveness, efficiency and concentration on studying and these are affected by the learning materials they use and the way they use it. Hence, the value of studying is precious and not to be squandered, no matter what the students believe regarding this matter. Study habits play a major role in academic achievement of the students because without this habit, certainly they cannot fully succeeded on their study. Students cannot learn simply by being told what to do or by watching others, they have to practice studying frequently. Successful students employ time management system to create study patterns that work and use active learning methods to add meaning and interest to their study time and maintaining their motivation by connecting reasons for study to their life goals and values. Learners must develop and established good study habits in doing school work, which can raised their academic performance. If the students can easily develop a good study skills, this can be considered as their assets as learner. Students can easily attain the mastery and areas of specialization and excellent performances for them to gradually attain achievements through their consistent study habits. High grades are commonly the aim of the students. According to Aguire (2004), it is not enough to simply think about studying but to actually do it or apply it. Practicing doesn’t make perfect but practice of studying can make students perfect end successful. The value of education of study habits interrelates the value of studying wherein the student can easily save time, make every hour of studying counts, consider when they will study and accepts the thing and assurance that the students can have. High educational achievement attained by the learners in school is the primary objective of education. It cannot be achieved in a split second or snap of a finger. Many school learners fail in their studies due to their inability to cope with the daily obstacles and demands in schools. Effective study skills are about more than understanding and it must be practiced in order to improve and enable the students to perform in school properly. It is not enough to simply â€Å"think about† studying, it must be performed. Study habits are considered as routinary activity of the students, there is a lot of things that can influence their way of studying for each passing day. Now, the trends in technology can easily catch the student’s attention. Since students are one of the target of fast changing technology, there are several web pages known as social networking site created for them and this became trending because of its several links. As time goes by, the usage of social networking site became virtual habit of the students. Before, they were devoting their free time in studying; now they are spending more time in using social network , some uses it to improve their way of studying and others is to just enjoy the features of it. On the other hand, nowadays studies of the students are getting harder, they rely on social network because they perceive it as a tool in getting access to information easily but unfortunately this could affect their studying capabilities, focus and attention unlike before when the social network is not yet existing wherein students rely on traditional way of studying, specifically the usage of books. The researchers opted to conduct this study because they are interested to determine the effects of the usage of social network in their study habits. Background of the study College of Accountancy Business Economics and International Hospitality Management (CABEIHM) offers five courses; BS in Accounting Management, BS in Accountancy, BS in Business Administration, BS in Hotel and Restaurant Management and BS in Tourism Management. It has the most numbered students who are also using social network in their study. Considering this, it is interesting to determine their perception regarding the social networking effects on their study habits. The researchers opted to conduct this study because they will be determining if the respondents can clearly indicate their perception on the effects of emerging social networking in their study habits. Setting of the Study The study of the Perception of the CABEIHM Students on the Effect of Social Networking on their Study Habits The respondents will be 200 CABEIHM Students who are selected from 1st – 4th year.