The death penalty can it ever be justified

The discussion, encompassing the act of condemning crooks to capital punishment, keeps on staying a significant piece of open talks in Western nations. Incompletely, this clarifies why, starting today, this training is in effect usually respected unseemly by those legislators/open figures, who endeavor to pick up the notoriety of being especially dynamic individuals.Advertising We will compose a custom research paper test on capital punishment: can it ever be defended? explicitly for you for just $16.05 $11/page Learn More Nevertheless, most of the individuals who contend for restricting capital punishment, while alluding to this sort of a criminal discipline as being totally uncaring, don't appear to understand the sheer unsoundness of their position on the topic. In this paper, I will intend to investigate the legitimacy of this announcement finally, while advancing that the act of condemning socially hazardous crooks to death essentially can't be discarded, in light of the fact th at it serves the capacity of keeping up the society’s natural uprightness. The most widely recognized confusion of capital punishment is that it is being applied for basically retributive purposes. That is, numerous individuals keep on accepting that this type of a criminal discipline ought to be examined as far as a ‘ultimate revenge’, completed by the state. Such perspective, be that as it may, doesn't show up completely advocated. The legitimacy of this recommendation can be very much investigated concerning the factual information, worried about the examples of capital punishment being done in the US for the term of fifty years. As per this information, 95% of the executed hoodlums comprised of the individuals who carried out especially abhorrent violations, for example, planned manslaughters and assaults/kid attacks, which came about in the victims’ passings (Jiang, Lambert, Wang, Saito and Pilot 2010). In its turn, this infers there was in truth next to no humanness in these hoodlums, as the sheer loathsomeness of their violations recommend the concerned individuals’ brutality. As such, the points of interest of these people’s childhood had next to no to do with their choice to carry out the prior referenced violations, but instead the particulars of their hereditarily foreordained ‘brain wiring’. Clearly, most of executed people in the US seems to have comprised of the alleged ‘born criminals’, unequipped for feeling even a smallest regret for what they have done. This essentially couldn't be something else, on the grounds that the extremely physical appearance of the mind dominant part of ‘born criminals’ proposes that their connection with mankind is in effect simply formal.Advertising Looking for examine paper on political theories? We should check whether we can support you! Get your first paper with 15% OFF Learn More As the establishing father of the Positive Criminolo gy Lombroso noted, â€Å"Many of the attributes of crude man (savage) are additionally ordinarily found in the brought into the world lawbreaker, including low, inclining temples, overdeveloped sinuses, overdevelopment of jaws and cheekbones, prognathism, sideways and huge eye sockets† (22). What it implies is that, as opposed to the suspicion that by executing this sort of crooks, the state basically endeavors to conciliate the victims’ family members, the real point of the use of capital punishment, in this regard, is extraordinary. Evidently, the capital criminal discipline effectively defends the general public against people that are being ‘programmed’ to challenge the very standards of the society’s typical working. This is actually the motivation behind why in the previous Soviet Union, capital punishment used to be characterized as the ‘ultimate instrument of the society’s protection against criminals’. In this way, it wo n't be quite a bit of a misrepresentation to state that the hypothetical premises, whereupon the adversaries of capital punishment base their line of argumentation, seem misleading. For instance, these rivals (abolitionists) recommend that the nonstop financial advancement in Western nations suggests the sheer obsoleteness of the act of condemning indicted crooks to death, as to such an extent that is being conflicting with the procedure of an ever increasing number of individuals becoming progressively open minded (Bedau 2002). By the by, the individuals who think of such a case don't understand the basic reality that the people’s propensity to pick for an open minded method of living doesn't appear suddenly †it basically mirrors the procedure of their expectations for everyday comforts getting consistently improved. However, it is just in the general public where most of its individuals comprise of mentally satisfactory people, where the continuation of the previous re ferenced financial advancement is conceivable, in any case. Lamentably, as of now sent household strategies in Western nations, which rest upon the supposition that people’s conduct can't be talked about outside of what represented the specifics of their childhood, make it progressively harder to keep up such a circumstance. This is on the grounds that they deny the very opportunities for people’s act to be intelligent of their organic constitution. In its turn, this delegitimizes the proposal that it is in reality completely suitable to endeavor to improve individuals naturally, by the mean practicing a command over their infant making exercises. Accordingly, the quantity of intellectually lacking ‘born criminals’, possibly equipped for executing the previous referenced ghastly violations, keeps on expanding rather quickly. The legitimacy of this announcement can be very much outlined with respect to the qualities of crime-percentages in today’s We stern countries.Advertising We will compose a custom research paper test on capital punishment: can it ever be legitimized? explicitly for you for just $16.05 $11/page Learn More However, it isn't just that the general public, where ‘born criminals’ seem to represent the population’s developing section, is as a rule less equipped for progressing financially, because of the constantly diminished number of socially-gainful residents. Obviously, the useful viability of such a general public additionally experiences the way that it needs to continue the futile presence of ‘born criminals’, imprisoned forever. Therefore, the very suspicion that in humanized social orders solidified crooks ought not be executed, advanced by ‘progressive’ residents, is by and large conceivably equipped for setting Western social orders on the way of turning out to be less cultivated †straightforward as can be. Hence, it bodes well executing the most hazard ous hoodlums at that point permitting their minimum amount to develop to the moment that the state-authorities would acknowledge themselves very defenseless, while attempting to improve the criminological circumstance inside the general public. Another normally utilized contention against capital punishment depends on people’s hopeful confidence in the ‘sanctity’ of one’s life. The beginnings of this conviction can be followed back to the Christian social heritage, worried about the suspicion that each individual is being blessed with the exceptional ‘soul’ of its own. In any case, the progressive advancements in the fields of science, brain research and material science, which had occurred over the span of ongoing decades, adequately uncover the sheer fraudulence of this presumption. Obviously, the estimation of each individual’s life can never again be talked about as far as a free but instead subordinate variable. In plain words â₠¬ the more a specific individual is being equipped for adding to the society’s prosperity, the higher is their goal worth. Given the way that violently disapproved ‘born criminals’, who represent most of executed scalawags, didn't just profit the general public, yet attempted to cause as much harm to their co-residents, as could be expected under the circumstances, proposing that their lives may have spoken to a certain ‘value’ is only one more moralistic fantasy. We have to comprehend that it is just normal assets, which may speak to an all around perceived worth, essentially in light of the fact that the measure of these assets is constrained. ‘Human resources’, then again, are completely self-inexhaustible. In addition, as the real factors of today’s living demonstrate, it is on the grounds that numerous residents in the ‘developing’ nations show up completely distracted with infant making, while at the same time b eing urged to do as such by Catholic clerics (who deny contraceptives, as to such an extent that are being conflicting with the idea of the human life’s ‘sanctity’), which keeps these nations from having the option to escape poverty.Advertising Searching for examine paper on political theories? How about we check whether we can support you! Get your first paper with 15% OFF Find out More Along these lines, it in fact has neither rhyme nor reason defending the abolishment of capital punishment on the ground that the lives of the individuals who carry out most abhorrent violations ought to be considered ‘untouchable’. The main sensible contention, to which the advocates of the passing penalty’s restricting allude to, while attempting to validate the legitimacy of their position on the issue, is the way that there have been various instances of wrongly indicted individuals condemned to death, particularly in nations known for rather ineffectual working of their equity frameworks. For instance, it is presently accepted that at any rate one individual has been wrongly executed in Russia, because of his ‘confession’ (removed under torment) of being the renowned ‘Chicatilo’ sequential executioner, who killed and ripped apart fifty-three blameless kids (Evans 2001). To this, we can put f

Action of Barbituates

Schoolwork Assignment Chapter 4 Addiction Studies (BHHS) Sherman Howard 1. Depict, the activity of Barbiturates. They lessen tactile affectability to delight or agony. Replace’s the requirement for sex, food and passionate inclusion. 2. Portray the activity of benzodiazepines and their withdrawal side effects. Benzodiazepines are minor sedatives; they cause dopamine levels to flood delivering a pleasurable sensation. Withdrawal includes seizures, spasms, and even demise. 3. What is the greatest peril with medicate synergism when utilizing two depressant medications? Overdose! 4.What is a confusing response to sedatives? Getting progressively dynamic rather than more settled. 5. For what reason is withdrawal so hazardous for liquor and the barbiturates? Both can prompt Seizures and demise. 6. Who is the concealed fanatic? An unborn Fetus can be, if the mother is a fiend. ______________________________________________________________________________ Part Two: 1. What is the esti mated level of liquor in brew? Wine? Bourbon? Beer5% †Wine15% †Whiskey45% 2. What does BAC depend on? Blood Alcohol Concentration. 3. Depict the handling of liquor from processing to assimilation. 0% is consumed by the stomach the staying 80% is invested in the small digestive organs. 4. What is liquor impact on assimilation and liver? Liquor can stop absorption and increment hydrochloric corrosive creation. Liquor additionally causes a drop in glucose which can prompt a hypoglycemic state. 5. Name a few factors that frequently anticipate liquor abuse? Poor learning capacity, misguided thinking, transient memory is influenced. 6. After incessant high portion use†¦ which is increasingly hazardous: prompt liquor withdrawal or quick heroin withdrawal? Liquor is increasingly prompt. Sherman Howard

Free Book Promotion Ideas and Services You Shouldnt Miss

Free Book Promotion Ideas and Services You Shouldnt Miss In his 1966 science fiction novel, The Moon is a Harsh Mistress, American writer Robert A. Heinlein popularized an acronym as a common expression in the novelâ€"TANSTAAFL! (There Aint No Such Thing As A Free Lunch!)Truly, very few free services provide whats needed and those that are free often come with a catch. This is especially true in the world of self-publishing and book promotion services for indie authors, who often must spend as much time and effort promoting their book after its published as they did writing it in the first place.That being said, weve combed the Internet and found a few free book promotion ideas and services that are worth your time if youre an indie author.There are some book promotional services that are free, allowing you to grow your readership without breaking the bank. Photo by Fabian Blank on Unsplash.Learn about pricing strategyOne of the easiest ways to promote your book doesnt involve payment for a service; rather, its all about pricing strategy. For example, this article on BookBub discusses some of the most recent statistics in marketing your book after its published. Some of the key points they found by looking at book sales from their own and partner sites include:Pricing low can drive higher unit sales volume. For example, the results of their analysis found that the volume of book sales is over 75% higher at $0.99 than $2.99.Pricing high can yield more revenue during a price promotion. BookBub found that books priced at $2.99 showed an increase of 142% more revenue during their discounts than books priced at $0.99, even though the number of books sold was lower.Shorter price promotions drive more revenue. Their analysis found that discounting a book for five or fewer days results in a 4x higher increase in revenue after the promotion ended.The first book in a series is the best one to discount. Once you get your readers hooked with the first one in a series, its easier to sell the remaining full-priced books that come after it. In fact, BookBub found that sales of additional books in the series are 5x higher if you discount the first one.Cross-promotion increases full-priced series sales. If youve published more than one book and use the back cover of your discounted book to cross-promote other titles, youll likely find a 3x higher increase in sales of those other books you cross-promoted.Worldwide promotions can pay off. In fact, youre likely to see a 32% higher increase in sales when you promote internationally.Simply participating in price promotions can increase your author earnings by as much as 196%. And it doesnt cost you a dime!Free promotional servicesWhile there are a lot of sites offering free book promotion services, most require payment for services that would be beneficial for authors. There are multiple websites, eBookStage, for example) that will sell your book for a discount or free if youre looking for ways to promote your novel and find more readers without spending a lot of mo ney, but a few provide more services to help in your book promotion efforts.Indies UnlimitedIndies Unlimited offers multiple free promotional services for writers, including Thrifty Thursday, which takes place onâ€"you guessed itâ€"Thursday of each week.Print Book Party, another promotional opportunity offered by Indies Unlimited, occurs on the first Sunday of every month. It allows authors the opportunity to promote their print books listed at $15 or less, making it an attractive shopping spot for voracious readers looking for their next favorite author at bargain prices.The site also offers Kindle Unlimited Friday, which allows authors to showcase books they offer free within the Kindle Unlimited Program.Authors can also participate in the Guest Post Feature, which is an opportunity to write a guest post for the Indies Unlimited blog. This option allows you to expand your personal blogs readership (if you have one), as well as include a by-line offering information about the book youve written and are attempting to promote.Book BongoBook Bongo offers both free and paid book marketing services, with book promotion opportunities spanning exposure on Book Bongos social media sites to directing, filming, and editing a 20 to 30- second video montage with soundtrack, professionally created for your book. The latter, of course, isnt free, but this most recent example offers a pretty convincing argument for going with that option.InkittInkitt is a unique approach in book marketing in that they market your unpublished manuscript and offer a book deal if it creates the right buzz among readers. As a boutique publishing house that has published over 30 Amazon Best Sellers, its website claims that it will publish a book every week in upcoming months.Their model is one that starts off free and can mean a book deal if readers like your book enough. They approach it based on the algorithm developed that analyzes crowd wisdom and reading patterns to predict if a book has th e potential to reach a larger readership. You can interact with your readers as a writer and gain exposure among genre enthusiasts looking for a story just like yours.TCK PublishingTCK Publishing is a mass market book publishing company that advertises free publishing and book promotion services. Obviously, its for indie authors who have either not yet published their book or have self-published it and are willing to have it republished while splitting royalties on future sales. For an author who has previously self-published and hasnt had success in book sales, republishing under the TCK Publishing name could be a great way to try again with the same title (with help, this time).The free book promotion services they offer are available only if you publish your book through them, but include:Help with book title ideas and selectionCover designFormatting and publishing for eBooksInterior book design and layout with InDesign for print booksAudiobook narration, editing, mastering, and publishingDistributionOngoing marketing campaignsMarketing advice, mentorship, and guidanceTracking sales and royaltiesForeign language rights sales and marketingWebsite design, landing page design, and email marketing systems setupIntroductions to leading bloggers, podcasters, and book reviewers in your marketPR outreach to journalists and media outletsThey guarantee to pay authors 50% of net royalties and 50% of all payments received for subsidiary rights licensing deals, noting that those numbers are three-to-six times more than what you would get with most other traditional publishers.GoodreadsAlthough Goodreads is a kind of social media network for readers, its also an excellent opportunity to promote your book for free. As of April 2016, Goodreads announced that over 50 million user reviews had been posted to its catalogue. And if you have ever searched online for information about a book, you probably already know that Goodreads is one of the first websites that shows up on t he search engine results page. It probably doesnt hurt that its owned by Amazon.Even if you already have a Goodreads account as a reader, youll need to join the author program to take advantage of the free book promotion services you can access on the site. When you join the author program, youll need to claim your profile page. After you do so, you can then promote your book and engage with readers across the site. Once verified, your author profile will receive an official Goodreads Author badge, which you can use on your blog, website or other social media accounts to encourage your fans to follow you on Goodreads and leave reviews of your book.Goodreads is a great website for free author and book promotion.Another great feature offered on Goodreads is the Ask the Author option, where readers can interact with you and your work by asking questions. Readers can then use #AskTheAuthor to share some of their favorite responses on Twitter, or authors can post their favorite questions using the same hashtag.After you set up your author page, youll have multiple other options for promoting your book, and many require nothing more than time. For example, you can ask your readers to add your book to the Listopia option that helps readers find books in their favorite genre or genres. Readers can then vote for your book and help it rank higher on the Listopia list. Your book can jump from 30th place to 10th place, often with only a few extra votes.Other examples of how you can use Goodreads for free book promotion are leading QA discussions about your book, and integrating your Goodreads page with MyBookTable

Family Systems And Culture Influences Family System

Attachment patterns are defined to be the tie or bond made between the children and parents. To what extent are attachment patterns culturally determined? Attachment patterns are influenced by family systems and culture influences family systems. This being said, culture affects attachments a great deal when looking across the board of a variety of cultures. While this is the case, in the specific culture, the way parents attach to their child is considered â€Å"normal† to that family unit. Culture is unique across the world, therefore, attachment theories can’t be applied outside the culture it was relevant to, because it may differ and not be applicable. Norms dictate the way we see attachment patterns, for example, the Western phenomenon of anorexia is seen as unhealthy, but in places with famine, being severely underweight is considered to be their norm. The way to look at the effect of culture on attachment patterns is to not see which culture is most effective be cause that is not measurable when norms are not objective. Instead, to see how children attach due to culture. Mary Ainsworth performed the Strange Situation Experiment which held different situations with children involving the parent, child and stranger (McLeod 2008). Based on how the child reacted with the stranger with the room when the mother was there, when the mother left, when the both the stranger and mother left and how the child reacted when they were reunited led to the classifications of attachmentShow MoreRelatedElderly Care: Family and Government Should Work Together Essay1104 Words   |  5 Pages fall sick to diseases like Alzheimer. The responsibility of taking care of them now either fall into the hands of their immediate family, and in some cases extended family and or the government depending on the culture. However, to make for a result oriented care the government and family needs to work together and culture can influence the commitment of family to the care of the elderly. Determining who is old could be difficult sometimes considering some people could still be strong and agileRead MoreThe Macrosystem: From Child to Adult Essay1384 Words   |  6 PagesThis paper focuses mainly on the macrosystem, examining society, culture, and ecological system. Mental health and community counselors should keep in mind the complex, reciprocal interactions that characterize personal behavior in situations. Macrosystem: Describes the culture in which individuals live. Cultural contexts include developing and industrialized countries, socioeconomic status, poverty, and ethnicity. There have been a number of theories surveyed that are foundational to the professionRead MoreNovember 30 2014 BHS414 CASE MOD4 Essay817 Words   |  4 Pagesbehavior influence the decisions of the families he works with and possibly influence the ultimate health outcomes of their children? What roles do culture, ethnicity, race, and socioeconomic status play in families experiences in the healthcare system? What factors, other than provider-patient communication, influence disparities in health outcomes? Cultural Empowerment What aspects of Dr. Williams behavior influence the decisions of the families he works with and possibly influence the ultimateRead MoreUrie Bronfenbrenner and his Ecological Systems Theory Essay example1063 Words   |  5 Pagesfirst and most important teachers, their families. The families have the most information about their childs strengths, weaknesses as well as the challenges the child faces. Being able to communicate with the families is vital to teachers in collecting in depth information about their students in order to be better equipped to meet the needs of the children. Urie Bronfenbrenner’s ecological theory â€Å"looks at children’s development within the context of the systems of relationships that form their environmentRead MoreThe Influence of Confucianism on Chinese Culture Essays1742 Words   |  7 PagesThe Influence of Confucian Culture on Chinese Culture Introduction Confucian culture, also known as Confucianism, was founded by Confucius during the Spring and Autumn Period, which was developed gradually after the Han Dynasty with benevolence as the core. Since the Han Dynasty, Confucianism was the official ideology and the basis of mainstream ideology in the vast majority of historical periods of China, and it also influenced many southeast Asian countries in history. After a variety of shocksRead MoreThe Forest And The Trees By Alan G. Johnson1070 Words   |  5 Pagespeople relate to one another and how systems influence them, The Forest and the Trees by Alan G. Johnson is a book describing how sociology works and how it influences an individual. Johnson goes through many different concepts to try and explain how sociologists view problems and situations. He uses socialization, roles, statuses, family structure, culture, Above all, Johnson’s main focus is how systems influence people and how people, in return, influence systems. Therefo re, the main focus of thisRead MoreBronfenbrenner s Theory Of Human Development1673 Words   |  7 Pagesproducing one of the most well-known contextual theories. Bronfenbrenner’s bioecological theory proposes that development occurs through interaction between a developing person and five surrounding, interlocking contextual systems of influences. These systems of influences range from intimate to broad and include: microsystem, mesosystem, exosystem, macrosystem, and chronosystem (Bronfenbrenner, 1994) The main belief is that a person is not merely an outcome of development, but is also a shaperRead MoreThe Heritage Assessment Tool: a Cultural View of the Patient1121 Words   |  5 Pagesculturally different families, and uses those results to show how the nurse would proceed with health promotion based on the differences in health traditions between the three cultures. Health Maintenance The value a patient places on family values and their perceived support system can greatly influence their overall health maintenance. With two of the families interviewed, one with a Hispanic ethnic background and the other from an American Indian background, both families placed great valueRead MoreSynthesis Paper : Developing Cultural Self Awareness1726 Words   |  7 Pagesdescendants failed to believe counseling would benefit them or it was frown upon by their culture and communities. Counseling was viewed as ineffective for those of non-dominate culture. Culturally competent counselors must be aware of their culture, cultural worldviews, and cultural identity to better serve a diverse community. Cultural self-awareness is needed amongst counselors as those from diverse cultures begin to use counseling resources more. Cultural self-awareness among the counselors isRead MoreEssay about Hlt 324v Week 3 Complete Latest1517 Words   |  7 Pagesnutritional behaviors associated w ith different cultures. 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Why The Women Of Wall Street Are Disappearing - 1132 Words

Wall street, where the business is operating in the city of New York, opportunities arise for employment. Both employers and employees have benefits when working together, hence the employer will only hire the employee once they evaluate and distinguish the qualification within the employee. In certain cases, employees are not selected after meeting the qualifications, thus an example of discrimination. The employer can discriminate for race, sex, gender, origin, or disability. According to the business dictionary, discrimination is illustrated as a â€Å"bias or prejudice resulting in denial of opportunity, or unfair treatment regarding selection, promotion, or transfer. Discrimination is preformed commonly on the grounds of age,†¦show more content†¦Nadine felt as if she actually discriminated for her gender, as the team leaders of the entire department were men. Nadine raised her voice and spoke up for what was right. As Nadine was terminated, she has noticed a trend, where all women of the company were slowly getting terminated. Nadine had discussed this with her lawyer and has suddenly filed a lawsuit with Citigroup. Discrimination can be in four different forms. According to the textbook, it can be in the form of intentional, where you are fully conscious and deliberately discriminate. Also, there is the opposite, unintentional discrimination, where you are â€Å"not consciously or deliberately sought, but is brought about by stereotypes or as an unintended outcome†. Individual discrimination occurs with one or few individuals acting on their own. Institutional discrimination is a â€Å"result of the actions of all or numerous people in an institutional and of their routine processes and policies†. In a work environment when discrimination occurs, it can be from an intentional and unintentional point of view. When working in an environment it is valuable to understand and reason before you have a conversation, as the listener may grasp it in a different way, therefore they can feel discriminated. A very critical lawsuit, which has struck between two co-workers have led to a disaster and

Operation of Commercial Banks in Bangladesh Free Essays

Term Paper On Operation of Commercial Banks in Bangladesh Term Paper On Operations of Commercial Banks in Bangladesh Financial Institutions amp; Markets (FIN 335) Summer 2012 Submitted To Md Lutfur Rahman Assistant Professor Department of Business Administration East West University Submitted by Srabonty MazumderMd. Saddam HossenMd. Mehedi HasanMd. We will write a custom essay sample on Operation of Commercial Banks in Bangladesh or any similar topic only for you Order Now Nazmul Hasan BhuyanSanjana Ahmed| 2009-2-10-0212009-3-10-031 2009-3-10-0762009-3-10-0222008-3-10-101| Section:02 Date of Submission: April 18, 2012 Letter of Transmittal April18, 2012 Md Lutfur Rahman Assistant Professor Department of Business Administration East West University Subject: Submission of Assignment. Dear Sir: We are very pleased to submit this term paper on â€Å"Operations of Bank management in Bangladesh. † as you have authorized us to in this semester. We are honored to prepare this term paper under your guidance since it gave us the opportunity to know the operations of different commercial bank in Bangladesh and also know the product and service offered by that bank. And we explore which bank provides unique product and service for their customers and which way they provide. We analyze its offered product comparative scenario in respective to the other type of commercial bank. We tried our level best to accumulate the information for you as comprehensive as possible. We will be obliged to provide further clarification on this report whenever necessary. Sincerely Yours, Srabonty Mzumder [2009-2-10-021] ________________ Md. Saddam Hossen [2009-3-10-031]________________ Md. Mehedi Hasan [2009-3-10-076]________________ Md. Nazmul Hasan Bhuyan [2009-3-10-022]________________ Sanjana Ahmed [2008-3-10-101]________________ Acknowledgement We would like to express our gratitude and indebtedness to our honorable faculty Md Lutfur Rahman, Assistant Professor, Department of Business Administration, East West University (EWU). With his inexhaustible guidance, valuable advice, continuous inspiration, constructive criticism and generosity she helped us to carry out this report successfully. We would also like to express our gratitude to the website that helped us to gather all the necessary information. Finally, we would like to thank to all group members that directly or indirectly helped us to provide and accumulate all the necessary information for the accomplishment of this assignment. Table of Content Executive Summary 1. Introduction: There are different kind commercial bank that are operating their business in Bangladesh like state owned commercial bank, private owned commercial bank, some multinational bank, Islamic bank etc. ach type of bank offer different kind of product and service for their client. These commercial offer different types of deposits service and also offer different types of credit service. So we analyze the comparative situation in one bank offered product and service with another bank. 2. 1. Origin of the report:  This report originates to fulfill the requirement of studying Financial Institutions amp; Markets, which is the course of BBA Program of East West University. The topic of the report is â€Å"Operation of Commercial Banks in Bangladesh† 2. 2. Objective:  The purpose of the report is to know the comparative situation among the commercial bank and also to elaborate our knowledge about financial market by analyzing its comparative situation. 2. 3. Scope of the report:  There are huge scopes to prepare the term paper to collecting information, analyze the information and also implement the information. 2. 4. Limitations:  To prepare this report we have faced a lot of problems such as unavailability of lab, electricity problem, unavailability of related books unavailability of information in net etc. 2. 5. Methodology: At first we collect the basic information from internet like related bank websites, and then analyzes the information on the basis of available information. So for the purpose of the report completion collect information from secondary sources. Public and Private commercial Banks in Bangladesh Public Banks: The banking system of Bangladesh is dominated by the 4 Nationalized Commercial Banks In which 3 are totally controlled by government and 1 (Rupali Bank) bank is controlled by both government and private sector. Nationalized Commercial Bank of Bangladesh: * Sonali Bank Agrani Bank * Rupali Bank * Janata Bank For Our Comparison we select Agrani Bank and Sonali Bank Private Banks: Private Banks are the highest growth sector due to the dismal performances of government banks (above). They tend to offer better service and products. Now 39 private commercial banks are operating in Bangladesh. Among them we select Dutch Bangla Bank ltd and BRAC Bank ltd for our comparison. C omparison between Public and Private Banks: 1. Personal Banking: As public Bank Agrani Bank and Sonali Bank offer Personal banking products for their current and potential customers. On the other hand private bank also provide different types of personal banking service for their current and potential customer. Deposit and loan services are- Product type| Public Bank| Private Bank| Deposit services| Savings bank account, Fixed deposit receipt, Pension schemeSonali Deposit Scheme (SDS)Education Deposit Scheme (EDS)Medicare Deposit Scheme (MDS)Monthly Earning Scheme (MES)Marriage Savings Scheme (MSS)Rural Deposit Scheme (RDS) andDouble Benefit Scheme (DBS)Credit Schemes| Convertible Taka Account. Current Deposit AccountCurrent Deposit Account BankExporter’s FC DepositForeign Current AccountNon- convertible Taka Account Saving deposit AccountShort Term Deposit AccountShort Team Deposit Bank Account| Loan Sevices| Home loan, Consumer loan, Advance against salaryConsumer Credit Special Small Credit IT Finance Loan for Diagnostic Center Loan scheme for Employment Abroad | Auto Line Care Line Dreams comes true LineEducation LineFestival LineFull Secured Line General LineHome Line: Marriage Line Professional LineTravel line| 2. Business support And Industry Development Products : With a view to building up a fund of Tk. 500 crore for financing industrial projects,  Agrani Bank  introduced  Agrani Bank Shilpa Unnayan Bond  in 1999. There are two types of bonds – 5 and 7 years. The lowest denomination is Tk. 50,000 and highest one is of Tk. 500,000. Interest rate is good enough to attract people. Major credit Schemes for business people are Industrial Credit, Trade Finance, Import Finance and Export Finance. If you are a deserving candidate for any of them, or you need any documentary support from  Agrani Bank, you may visit to any branch of  Agrani Bank. For industrial development of the country  Sonali Bank  provides long term loan against new industries and BMRE program of existing industries. Under different schemes it addresses thrust sector, Garments, Tourism, Hospital, Pharmaceutical, Power Plant and many more. Compare to Public banks with private bank : Also offer different type of loan facilities that’s interest rate is generally floated interest rate. 3. Agri amp; Rural Banking product : Now bottom line farmers may have a bank account depositing Tk. 10 only. Agrani Bank  provides this service to rural areas in Bangladesh. Young generation intending to go abroad for jobs may have loan for their air tickets and other expenses against nominal securities. Other rural economical activities are also supported by  Agrani Bank  credit programs. The areas addressed are Cultivation (flower and others), Fisheries, and Poultry, Purchasing Agriculture and irrigation machinery and ploughing animals. So it can be said that  Agrani Bank that public bank  is working to promote economic growth of Bangladesh from the very grass root level which is 80% of national economy. 5% of our population lives in rural areas of Bangladesh and 75% earn their living from agriculture. So without boost up of agriculture our economy won’t grow. Also Sonali Bank as a public bank  very correctly addresses it through the Rural Credit Scheme. The scheme provides loan under the following criteria: * Crop Loan * Special Investment Program * Farming amp; Off Farming program * Krishi Khamar Rin Karmasuchi * Pond Fisheries Credi t Program * Fertilizer Dealers Credit Program * Sugarcane Production Loan Program * Social Forestation Program All these credit programs are very much suitable for our rural people and society and in the mean time these efforts have started to give result. The results are very encouraging. On the other hand private banks Such as Bank Asia and Dutch Bangla bank as private bank, normally focus on the urban people. They don’t have any specific products on the rural or Agricultural sector. Bank Asia has a product â€Å"KIOSH† for the farmer but it is not so popular or useful for the farmer. 4. Microcredit product: For Bangladesh perspective microcredit is necessary. To think about the poor people of Bangladesh Sonali Bank offer Microcredit. Sonali Bank  being committed for people and society has been participating in the field actively since 2003. About 20 projects under the scheme are in progress. On the other Hand in Private Banks: Such as Bank Asia and Dutch Bangla bank have no specific microcredit product for the lower middle class people of Bangladesh. Their every product is basically for upper class and middle class people. 5. SME Banking product: Small and medium enterprise of the country is one of the deserving sectors for financial support. Agrani Bank  justifiably provides credit to them under different schemes. Agrani Bank  launched a joint venture program named Small Enterprise Development Program (SEDP) with NORAD, a Norwegian agency in 1995. This program was implemented in greater Mymensingh and Faridpur districts. The target fields were rice mill, oil mill, and nursery, repairing shops, fishery, weaving and many more. The bank is presenting micro credit and other supports to land less day labor for alleviation of poverty by generating employment. Agrani Bank  had designed some programs in collaboration with other agencies. One such program is Employment Generation Project for Rural Poor (EGPRP). This program was launched in 1995. All these programs are very much favorable to the micro enterprises and the poor. Terms and conditions are also customer friendly and easy to follow. On the other Hand in Private Banks Private Bank such as Bank Asia and Dutch Bangla Bank has SME banking for the Small and middle enterprise. Bank Asia have 10 SME service branches all over the Bangladesh. They have different 9 SME products that interest rate start from 10-17%. Dutch bangle bank have 3 SME branches. From the branches small and meddle enterprise can borrow from 100000 to 5000000 tk. Floating Interest rate is 17% and collateral 16%. As an entrepreneur must have experience at least 2 (Two) years. 6. Nonresident Bangladeshis customers products : Nonresident Bangladeshis now get banking facility through  Agrani Bank. They may have an account in taka, they may invest in Dollar Bonds. They are also allowed to have an F/C account. To compare with Private Bank Such as Bank Asia and Dutch Bangla Bank gives the account facilities and F/C account for the NRBs . NRBs can also invest in Euro Dollar bonds. . Islamic Banking product: Among the nationalized banks Agrani was the first to introduce Islamic Banking service. Agrani Bank  provides completely interest free Shariah based banking for their clients. Deposit services offer  interest free profit in compliance with Shariah. Agrani Bank, as per its slogan, is always beside the people in their struggle to come up with sustainable econom ic growth for themselves and for the nation. On the Other Hand Private bank Such as Bank Asia have Islamic banking services in 6 braches such as 3 in Dhaka, 1 in Chittagong and 1 in Sylhet. They provide completely interest free Shariah based banking to the clients. Deposit services offer  interest free profit in compliance with Shariah. Now a day most of the private banks start Islamic Banking Service to attract the all types of people. 8. Internet Banking : Agrani bank and Sonali bank don’t have internet banking services. On the Other Hand Private bank All private banks branches under online banking system will be able to do banking practices using a common server (which is centralized) from where only the branches will be able to enter using a common password. Dutch Bangla Bank and Bank Asia give the below internet banking services for their customers. Internet Banking Services * Check account balance * Take print out of account statement for a particular period   * Transfer fund within your own account * Make payment of mobile phone bill * Recharge your mobile phone as well as others from your account *   Enquire foreign exchange rate * Enquire currency exchange rates. * Acquire information on all our products. * Every transaction report will be sent to clients through e-mail account. *   Can change the password, pin code and respective  mobile number (For All Mobile Operator’s). 1. ATM Booth product : Now a day public bank doesn’t offer any ATM facilities for their Clients. On the Other hand With more than 1000 of ATM booths all over the country,  DBBL’s has the largest ATM networks in Bangladesh. DBBL offering free access to its ATM network for its subscriber. This network helped  DBBL  gaining more po pularity and confidence among subscriber and expanding banking opportunity to mass people. This entire network is being maintained by its own IT staff without any 3rd party dependency Brac Bank also has huge ATM booths facilities for their clients. 12. Credit / Debit Cards Product : Public bank offer credit / debit card facilities in a smaller range such as Sonali Bank Limited are one of the member banks of Q-Cash Consortium. Card holder of Sonali Bank Limited can use ATMs of consortium member banks, Dutch-Bangla bank and BRAC bank limited. Member Banks of Q-Cash Consortium. Agrani bank also give their clients debit card facilities but it not so popular. On the Other Hand Private bank such as Brac Bank offer Credit Card such as 1. Platinam card 2. Universal Card 3. Schedule of charge 4. Payment of Credit Card Bill Debit Card: Visa / Master Card Prepaid Card: 1. Hajj Card 2. Travel Card 3. Schedule of Charge Dutch Bangla Bank also offer different types of Debit, Credit, Prepaid Card and different types of offer amp; discounts. On the above comparison we see that public bank work with grass root level and more concentrate Last of all previous time Public commercial banks have fewer facilities than private commercial banks but now a day they try to increase their product and service. Private Banks gives a lot of services to their clients. For existence of the market private banks are increasing their products and services. Islamic Banking: The key difference is that Islamic Banking is based on Shariah foundation. Thus, all dealing, transaction, business approach, product feature, investment focus, responsibility are derived from the Shariah law, which lead to the significant difference in many part of the operations with as of the traditional. The foundation of Islamic bank is based on the Islamic faith and must stay within the limits of Islamic Law or the Shariah in all of its actions and deeds. Here, we take two banks for the comparison between Islamic Bank amp; Traditional bank: * Social Islamic Bank Limited (SIBL) * Shahjalal Islami Bank (SJIBL) Amongst the governing principles of an Islamic bank are: * The absence of interest-based (riba) transactions; * The avoidance of economic activities involving oppression (zulm) * The avoidance of economic activities involving speculation (gharar); * The introduction of an Islamic tax, zakat; * The discouragement of the production of goods and services which contradict the Islamic value (haram) Traditional Banking: On the other hand, traditional banking is essentially based on the debtor-creditor relationship between the depositors and the bank on one hand, and between the borrowers and the bank on the other. Interest is considered to be the price of credit, reflecting the opportunity cost of money. Among of many traditional banks we take two, those are: * National bank. * Brac Bank Comparison Between Islamic Banking And Traditional Banking: 1. Functions And Operating Modes: The functions and operating modes of SJIBL amp; SIBL banks are based on the principles of Islamic  Shariah. On the other hand BRAC Bank amp; National Bank are based on man maid principles 2. Interest Rate: SJIBL amp; SIBL do not used to fixed up the interest rate for their offering asset amp; liability products as like as traditional banks deal with. t promotes risk sharing between provider of capital (investor) and the user of funds (entrepreneur). Besides, The investor is assured of a predetermined rate of interest. They have fixed rate of interest. Example: In BRAC bank, they have â€Å"Prapti Current account† amp; their interest rate is given below: Amount of Balance| Specific Interest Rate| 0 – Be low 5,000| 0%| 5,000 – Below 100,000| 1%| 100,000 – Below 250,000| 2%| 250,000 – Below 500,000| 3%| 500,000 amp; Above| 4%| | 3. Profit Maximization: Both of them SJIBL amp; SIBL aims at maximizing profit but subject to  Shariah  restrictions. Besides they just shares profit amp; loss both. Example: They offer Al Wadiah Current Deposit Accounts. Where have No profit on Al Wadiah Current Deposit Account balances. Al-Wadiah current deposit account holder have no risk. In contrast, National bank ltd. amp; BRAC Bank has the aim of maximizing profit without any restriction. In contrast, SIBL amp; SJIBL share their profit amp; loss with their clients that indicates they don’t fixed up interest rate as aforementioned in traditional banking system. 4. Provided Loan Modes: Islamic law considers a loan to be given or taken, free of charge, to meet any contingency. So, The SJIBL amp; SIBL have no provision to charge any extra money from the defaulters. Only small amount of compensation and these proceeds is given to charity. Rebates are given for early settlement at the Bank’s discretion. Example: Al Wadiah Current Deposit Accounts Payment on Accounts demand Funds in the Al Wadiah Current Deposit shall be payable on demand and the Bank guarantees repayment of such funds in full, less the Bank charges Besides. Lending money and getting it back with compounding interest is the fundamental function for both of them. They can charge additional money (penalty and compounded interest) in case of defaulters. 5. Since SJIBL ;amp; SIBL shares profit and loss, they pay greater attention to developing project appraisal and evaluations. Example: Al Wadiah Current Deposit Accounts. No profit on Al Wadiah Current Deposit Account balances shall be allowed and the Bank at its own discretion uses the funds of Al-Wadiah current deposit accounts without any risk to the account holder. 6. Projects Development: The SJIBL ;amp; SIBL gives greater emphasis on the viability of the projects. In the comparison of BRAC bank ;amp; NBL banks’ income from the advances is fixed, it gives little importance to developing expertise in project appraisal and evaluations. 7. Deposits Accounts: Most importantly SJIBL ;amp; SIBL can only guarantee deposits for deposit account, which is based on the principle of  al-wadiah, thus the depositors are guaranteed repayment of their funds, however if the account is based on the mudarabah concept, client have to share in a loss position. * Al Wadiah Current Deposit Accounts * Mudaraba Savings Deposit Accounts Mudaraba Term Deposit Accounts * Mudaraba Short Notice Deposit Accounts In contrast, BRAC Bank have these types of deposits * Probashi Current Account * Probashi Savings Account * Probashi Fixed Deposit * Probashi DPS * Probashi Abiram In these accounts client don’t have to share in a loss position. 8. Zakat collection: In the modern Islamic banking system, it has become one of the service-oriented functions of the SJIBL ;amp; SIBL to be a Zakat Collection Centre and they also pay out their Zakat. They does not deal with  Ã¢â‚¬Å"Zakat,† as Islamic bank usually does. 9. Islamic Mode of Investment: Participation in partnership business is the fundamental function for both of them. * Participation Of partnership business Example: SIBL provide â€Å"Musharaka† service. It means means partnership business. Every partner has to provide more or less equity funds in this partnership business. Both the Bank and the investment client reserve the right to share in the management of the business. But the Bank may opt to permit the investment client to operate the whole business. In practice, the investment client normally conducts the business. The profit is divided between the bank and the investment client at a predetermined ratio. Loss, if any, is to be borne by the bank and the investment client according to capital ratio. * The status of SJIBL ;amp; SIBL in relation to its clients is that of partners, investors and trader, buyer and seller. Example: Bai-Muazzal. Bai-Muajjal is a contract between Buyer and Seller under which the seller sells certain specific goods ( permissible under Shariah and Law of the country ), to the Buyer at an agreed fixed price payable at a certain fixed future date in lump sum or within a fixed period by fixed installments. The seller may also sell the goods purchased by him as per order and specification of the Buyer. In Bank’s perspective, Bai-Muajjal is treated as a contract between the Bank and the Client under which the bank sells to the Client certain specified goods, purchased as per order and specification of the Client at an agreed price payable within a fixed future date in lump sum or by fixed installments. | IN contrast, BRAC bank has * Probashi Wage Earnes bond * US $ premium amp; Investment Bond Probashi Biniyog Probashi Wage Earners’ Bond| | Probashi Wage Earner Development Bond (WEDB) is a product designed by Bangladesh Central bank for Bangladeshi national living abroad. The objective of this product is to encourage the NRBs to invest their hard earned money to purchase WEDB on which the government guarantees a fixed interest rate. | | US Dollar Premium ;amp; Investment Bond| | US Dollar Premium Bond is a product designed by Bangladesh Central bank for Bangladeshi national living abroad. The objective of this product is to encourage the NRBs to invest their hard earned money to purchase WEDB on which the government guarantees a fixed interest rate. | Probashi Biniyog| | BRAC Bank Limited offers ‘Probashi Biniyog’ a product that exclusively provides Non-Resident Bangladeshis (NRBs) the opportunity to invest in the Bangladeshi Capital Market through a Beneficiary Owner’s (BO) account which will be funded by a Non Resident Investor’s Taka Account (NITA). Both BO account and NITA will be held with BRAC Bank Limited. | 9. Conclusions: In the conclusion we have differentiated different types of products of private and public banks, Islamic and traditional bank and local and multinational bank in Bangladesh. Basically we try representing a clear picture among two banks products base on their deposit products, loan products, ATM, cards, Interest rate , branch , SME product , rural ;amp; agriculture products. To compare their products we have used company website, visited the banks and talked with the employees of the banks. That has enriched the differentiation among different banks. 10. Reference How to cite Operation of Commercial Banks in Bangladesh, Papers

Vague Complaints of Pain free essay sample

Vague complaints of pain in the Emergency Department Susan M. Hewitt RN, CEN The Robert B. Miller College BSRN-340-Pharmacology for Nursing Care Instructor: Mr. James Middleton February 26th, 2009 Case Study #2 – Vague complaints of pain in the Emergency Department Many people that come to the emergency department who complain of pain are usually vague about their symptoms. Other people over-react and could win an Oscar nomination for their pain presentation. People who come in with vague complaints of pain are often puzzled and sometimes very non-specific to the area that hurts them. I came across an article in the Journal of Emergency Nursing about a man who complained of vague back pain. In this article, a 49-year-old man presented to the emergency department complaining of non-specific, aching, low back pain that he rated a 7 on a 0-10 scale. His discomfort began that morning after he bent over to pick something off the floor. We will write a custom essay sample on Vague Complaints of Pain or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page The pain did not radiate and intensified with prolonged periods of standing still. The patient denied any weakness or paresthesia of the lower extremities and had no urinary complaints. â€Å"His respirations were slightly labored, but the man denied chest pain or shortness of breath. However, he was hypertensive (blood pressure 158/100), and febrile (temperature, 38. 5C / 101. 3F). The triage nurse assigned him a non-urgent acuity rating and placed him in the waiting room, where he waited for approximately 5 minutes. † (Jeremy Johnson, 2008). The man’s medical history was pretty normal but he had a long history of hypertension and recent history of an upper respiratory infection. According to (Jeremy Johnson, 2008), â€Å"Physical examination was positive for mild tendereness to palpation over the mid thoracic area of his back. Auscultation of heart and lung fields revealed no murmurs, gallops, or rubs and no wheezing or respiratory distress. † The patient’s back pain was diagnosed as a muscle strain, and he was treated with a combination of medication, valium, lortab, toradol and was given some acetaminophen for his fever. A peripheral intravenous access was established, and a liter of normal saline was infused. The patient’s ED stay was uneventful; however, as the anticipated discharge time grew closer, the nurse noted the man remained tachycardic and was now hypotensive â€Å"98/68 – 119 bmp. Although this patient denied any new complaints, his failure to respond to therapy warranted futher evaluation. A 12 lead EKG showed no ST abnormalties, but chest radiograph revealed a grossly wide mediastinum. This finding prompted a contrast computed tomography scan demonstrated the presence of a complex aneurysmal aortic dissection that extended all the way down to his right iliac artery. â€Å"The mediastinum is the middle section of the chest cavity. The chest cavity contains the left and right lungs, which lie on either side of the heart. The heart is contained in the portion of the chest known as the mediastinum. The mediastinum is bordered by the thoracic inlet (where the organs of the neck enter the chest) on top, by the diaphragm on the bottom, the sternum (breastbone) in fro nt, and the vertebral column (backbone) to the rear. The mediastinum is artificially divided into the anterior, middle and posterior sections. The mediastinum contains all of the chest organs except the lungs. Organs located in the mediastinum include the heart, the aorta, the thymus gland, the chest portion of the trachea, the esophagus, lymph nodes and important nerves. † (Medicine). Once the diagnosis of aortic dissection is made, a patient’s potential for rapid deterioration and death must be considered constantly. â€Å"Signs and symptoms of aortic rupture include acute mental status decline, hoarseness due to stretching and compression of the recurrent laryngeal nerve, differences between carotid pulse amplitiudes, and catastrophic hemodynamic collapse. Fortunately, this patient remained awakee and alert throught his ED stay. His tachycardia and hypotension both improved with metoprolol (lopressor) and fluid administration. He was admitted to the hospital and later flown to an out-of-state facility for surgical repair of his dissection. † (Jeremy Johnson, 2008). This article was very impressive, people who come to the emergency department often have vague complaints of pain. This is why the emergency department staff should be very knowledgeable in pain management. If the nurse did not pick up on the patient’s vital sign deterioration, the patient could have went home and died. Aortic disease is more prevalent in men than in woman and primarily occurs between the ages of 60 and 70. â€Å"Most disordeers are a result of hypertension, trauma, pregnancy, or genetic conditions such as Marfan’s syndrome. † (Jeremy Johnson, 2008). â€Å"What is Marfan’s Syndrome? † â€Å"The Marfan syndrome is a connective tissue disorder. Connective tissue provides substance and support to tendons, ligaments, blood vessel walls, cartilage, heart valves and many other structures. In the Marfan syndrome, the chemical makeup of the connective tissue isnt normal. As a result, many of these structures arent as stiff as they should be. † â€Å"The Marfan syndrome is inherited and affects many parts of the body. Theres no single conclusive test for diagnosing it, but people who have it often have many similar traits. Besides perhaps having heart problems, people with the Marfan syndrome are often tall and thin. They also may have slender, tapering fingers, long arms and legs, curvature of the spine and eye problems. Sometimes the Marfan syndrome is so mild that few (if any) symptoms exist. In the most severe cases, which are rare, life-threatening problems may occur at any age. † (Association, 2009). In conclusion, I think that this article was very informative and would make a good case study because many health care giver’s now days are in the bad habit of sterotyping people with pain as â€Å"drug seekers†. I also thought it was a good case study, because the nurse taking care of this patient was on top of her game. The patient did not present with typical aortic dissection signs and symptoms. Usually a patient complains of a â€Å"tearing sensation† to their back, some chest pain and hypertension. This man was vague in his back pain complaint, if not for knowledge of the nurse taking care of this patient he/she saved his life. Also, they gave him analgesics in which we recently read about. The patient’s pain was taken care of by narcotic, benzodiazapines, and anti-inflammatory medication. Also, they kept him for the 30 minute time after drug administration, to make sure there is no adverse reaction. This was a good choice especially for this lucky man who ltimaltely ended up with a dissecting aortic aneurysm. This is what killed John Ritter and many other’s who probably ignored their pain or masked their pain with medication. So if you ever have a tearing sensation in your back with a history of hypertension or Marfan’s Syndrome, take yourself to the emergency department immediately. This case also reinforces the importance of ongoing assessmen t and further invervention when Patients do not respond as expected to treatement. Many serious disorders can present with vague symptoms, making continual reassessment and risk stratification essential. http://www.ideafit.com/fitness-library/search?query=www.americanheart.org http://www.ahainstructornetwork.org/AHAECC/ecc.jsp?pid=ahaecc.signin http://www.ahajournals.org/ http://www.cts.usc.edu/hearttransplantprogram.html http://www.cts.usc.edu/ http://www.cts.usc.edu/adultcardiacsurgery.html