Free Essays - Use of Satire in Pride and Prejudice :: Pride Prejudice Essays

Use of Satire in Pride and Prejudice Satire is used in Pride and Prejudice by Jane Austen to show the deficiencies in morals and ethics of the characters that Austen disapproves of. Satire is used to "attack" characters and to bring about change. The different characters types she satirizes are "suck-ups," hierarchical, and/or ignorant. Austen disapproves of Mr. Collins and that is why she attacks and satirizes him. Mr. Collins is a "suck-up." His living with Lady Catherine has caused him to demoralize himself. He thinks and talks highly of people higher than himself, such as, Lady Catherine DeBourgh. An example of this is when they were invited to dine with Lady Catherine DeBourgh and Mr. Collins then tells Elizabeth, "Do not make yourself uneasy, my dear cousin, about / your apparel. Lady Catherine is far form requiring that elegance of dress in us which becomes herself and / daughter. I would advise you merely to put on whatever / of your clothes is superior to the rest / ...she likes to have the distinction of rank preserved" (137 Austen). This shows how high he thinks Lady Catherine is and this sort of shows that he thinks he's sort of better than her by implying that she doesn't have an elegant dress. Another example of him "sucking-up" is when Mr. Collins introduces himself to Mr. Darcy at the ball. After introducing himself and making a "speech," Mr. Darcy "replied with an air of / distant civility / ...and Mr. Darcy's contempt / seemed abundantly increasing with the length of his / second speech" (85 Austen). When Mr. Collins returned to Elizabeth, he told her "Mr. Darcy seemed much / pleased with the attention" (85 Austen). Mr. Collins is so thickheaded that he didn't notice Mr. Darcy's contempt towards him. When Mr. Bennet commented on Mr. Collins letter, Mr. Bennet said that Mr. Collins letter contained a "mixture of servility / and self importance" (56 Austen). This is why Mr. Collins is also a fop. A fop is someone who sees himself/herself as much more sophisticated and well liked than they really are. He continually brags about his "so-called" friendship with Lady Catherine DeBourgh.

Hazard Analysis and Critical Control Point Essay examples -- Food Safe

Increasing awareness and concerns of consumers regarding food safety and quality, forced many food industries to enhance their products safety and quality by implementing quality assurance and safety management systems. In response to consumer pressure, many industries adopted Hazard analysis and critical control point (HACCP) system because it is well known preventative, cost effective system if implemented effectively, as well as it is required by law. HACCP can be identified as a systematic scheme to identify, evaluate and control the hazards. It can be applied to many types of products and processes from primary production to consumption (From farm to fork). However, before a HACCP system is carry out, some basic procedures need to be in place which is essential for food safety and it include factors to control raw materials ,personal hygiene and training ,operational control, waste management, good laboratory practice ,traceability and recall procedures. All of the above mentioned procedures can be under Prerequisite programmes (PRPs) term which was first described by WHO. (Wareing, 2010) Moreover, in order to maintain and strength the HACCP system, quality management system should be integrated such as ISO 9000. ISO 9000 sires of standards are requirements that must be addressed by each company to meet product specification and customer demands every time and on time. (6) Regular management review of problems and customer complaints besides the records and corrective action is undertaken by ISO 9000 quality systems. In fact, the majority of larger food companies have a consumer service section and technical one in turn to handle consumer safety and quality issue as well as communication with the competent authoritie... ...s the radio frequency identification systems (RFID) where the information can be read by a radio frequency link. (FSA, 2002) Moreover, within EUs laws each animal must be tagged with certain information like their origin, the date for slaughtering, and after that stamp them with the abattoir traceability code. (EU ,2007) Overall, traceability system is considered one of the pre-requisite programmes and without such programmes in place, HACCP system will be ineffective. In addition, traceability system is a legislative requirement in which require on each pack a special batch code to aid in product recalls in case of detecting any problem and withdrawal it from the market before reaching the consumer hand and to facilitate international trade ,thus protecting both consumer health and reputation of the food industry . References:

Research Paper on Organizational Structure

I would like to start by saying that any corporate organizational structure depends on the product line and the industry in which the company operates. The companies belong to the continuum of either the functional or project organizations. Functional companies are organized around different technological processes. The top management of such organizations is responsible for the resource allocation, with the responsibility for the final output is not being tied to one single person. The use of rules and procedures, instructions, details and organizational traditions among the company’s management and workers is vital for the company’s functioning. The products belong to the high level of specialized knowledge which is created in this organizational structure (Matteson, 53). Light weight matrix organizations are functional and specialized. The product manager is usually added to this structure to coordinate the product creation and to serve as a liaison for the management-workers-customers. This new key person is used for collecting information, conflict resolution, and project objectives achievement. Product managers have less status and influence than functional managers, namely because they do not directly contact workers (Hersey, 88). Heavy weight matrix organizations possess dominant project structure and minor functional departments. The company’s product manager than possesses greater reasonability while the manufacturing, and marketing concepts are present in this organization (Berger, 144). Project organizations are located on the other end of the spectrum and have the following features: teams and projects. The project workers share the same location and concentrate on the same projects. The professional workers, on the other hand are supposed to have broader tasks and associated skills and responsibilities. In the project organizations the functional managers are responsible for the human resource development and technological implementation in the functional groups. The companies can also be classified according to the nature of their business and project undertaken. The projects can be characterized by the number of employees involved to perform numerous tasks, the workload on each employee. One can also classify the organizations in the following 4 categories: I. The company’s product is not complex and comprehensible for a single person, thus one person is likely to have enough knowledge to produce it. The companies that develop these kinds of products (shoes, clothes industry) usually have small development department. If this company has more than one individual department, then it usually structured as a functional organization as noted earlier in the essay – research paper (Matteson, 57). II. The company’s product is of low complexity, yet the total work is high. Such products, therefore, can be developed most efficiently within one functional department. A research department is usually the very department where this type of product is created. AS the company starts to have more departments, it would usually use the light weight matrix organizational structure to enjoy efficiency. The employees involved in this product creation are expected to work full time, and many tasks are expected to be performed simultaneously which contribute to the overall sequence design to be called Design Structure matrix (Hersey, 92). III. The company’s product is of high complexity of intangible, tangible, or mechanical nature. This kind of product is still in the engineering phase, making it rather clear what needs to be done to get the product into mass production and distribution. One should use numerous skills and disciplines to create this product, and these tasks do not have high workload. It is almost impossible to cause the employees to work fulltime on the very one product, thus creating the ‘job shop’ logistics situation (Schermerhorn 120). One should not forget that manufacturing and product development is not accepted by all product managers, it still usually yield decent result. The Product development process is constantly learnt and improved to remove bottlenecks and reduce the product variation. One should focus on the process rather than on the list of tasks and duties. This type of organizational structure has to follow the following three laws (Berger, 147): a. Taking smaller steps at one time usually boosts quality and effectiveness. b. Elimination of bottlenecks drastically improves productivity and efficiency. c. Elimination of variation will remove delays and distractions and thus will free some of the corporate resources. It is of importance to note that cross functional simultaneously run engineering squads is the common practice for the product development in such organizations. It would be a mistake to assign the same person to 5-6 different projects because it would result in congestion. One should not forget that by working at 100% of the product development capacity will increase the product development lead. Thus, one should deploy about 80% of the product development capacity and focus on the bottlenecks. IV. The company’s product is very complex while the total work is high. These kinds of organizations require their workers to work full time and the project organizational structure would be ideal for this very situation (Matteson, 59). Speaking about the company’s strategies that are vital for the corporate survival in the long run, one should remember that they would also depend on the corporate structure and thus would be broken down into three main categories of strategies that promote corporate values, corporate culture, corporate goals, and corporate missions (Hersey, 94): Corporate level strategy encompasses all strategies and sets the company’s mission and general guidelines. Functional strategies comprise Marketing strategies, financing strategies, and the strategies of each department participating in the given product development depending on the organizational structure. The focus in on mid and short term. One should remember that many companies would find it useful to use strategic business units rather than functional structure of organization to derive competitive advantage and thus govern the semi-autonomous units of organization that have their own budgeting, product development, hiring etc. Operational strategy is located on the lowest level of each organization simply because it is very narrow in focus and has daily scheduling criteria. This strategy obeys the higher level strategies present within the organization and adhere to the Management by Objectives principles (Berger, 150). Management by objectives (MBO), one should note, is the systematic scientific approach that allows the existing companies to focus on the attainable goals to reduce the costs and with the improved efficiency survive the competition. The MBO focuses on results, rather than on the process. The MBO would delegate tasks by dictating the proper final result without the detailed roadmap of how to achieve that. MBO strives to assure that everyone in the company has clear goals and objectives that coincide with the company’s goals and then by empowering others will have the goals achieved. One should still remember that MBO can fit only the knowledge-based companies.

Obesity and cancer – Linked to what level

Or possibly make for a worse cancer prognosis? These issues are addressed in this report, with references to many studies performer d at the population level, and at the molecular level – attempting to link cancer progression (prostrate cancer), severity and occurrence, wit h symptoms of obesity – such as visceral fat, deadlocked levels, etc.Focusing primarily on the dopamine levels in obese (cancer/non cancer) patients, in vitro tumor culture studies and data from prostrate/ breast cancer patients – this report aims to hint at a possible mechanism which underlies cancer progression on the basis of the data from above studies and explain how obese TTY as a condition, fits In the mechanism of tumor progression. Introduction to obesity – The first aspect regarding obesity is the quantification of the physical condition called ‘obese'.For the purpose of this report (and for most of the studies referred to) – computer tomography generated measurem ents in the order of ?comma area in the central abdominal regions (I. E. – of visceral fat), Is defined as the condition for obesity. Alternatively, other quantifications, such as waste- Hip ratios, Body Mass Index, etc are also used to define or relate specific aspects of body structure to the condition of being obese or its relate deed metabolic syndromes. 9] Central (visceral) obesity is characterized by metabolic syndromes such as – insulin resistance, hyperglycemia, hyperventilates, displacement, hypertension, and problematic and protoplasm Tory states [81. All of which are fairly conditions that cause many complications in contemporaries occurring dies asses – however the focus of this report details the direct implications of obesity, and the molecules involved – followed by a generalization from this case-study on hormonal cancers. The molecular symptoms and effects of obesity on a patient's physiological system ar Fig. – Diagrammatic repre sentation of some of the possible mechanisms for obesity- related prostate cancer progression. GIF-I = insulin-like growth factor 1; IL- 6 = interleukin 6; VEGA = vascular endothelial growth factor; GHB = sex- hormone binding globulin. [8] Molecular characteristics of obesity – The following are characteristics/by- products of obesity and their respective roles identified in various hormonal (prostrate/breast) cancer studies – Hypersensitiveness – Geiger serum levels of insulin results in decreased production of Sex-Hormone Binding Globulin (GHB).GHB mediated inhibition of breast tumors has recently bee n identified in literature [1]. Hence, this characteristic is analogous to loss-of- inhibition for breast-cancer cells. Also, it results in higher levels of free androgen's and estrogen – which have been implicated in proliferation of breast cancers, and progression of hormonal cancers in general. Decreased Testosterone levels – have significance in prostrate cancer, as lower testosterone levels have been associated with high- read prostrate cancers. The characteristic being of higher proliferation and less differentiation in the tumor. 2] Perpetuation of TNT-alpha – by virtue of higher levels of TNT- alpha in serum, there is higher susceptibility to inflammation and inflammation by itself has a potential role as a cancer promoting event at any given site. [Smith's Term Paper] Dopamine secretions by adipose tissue are covered with a few examples – o Lepton – is an dopamine secreted primarily by White Adipose Tissue (WATT), and has been shoo win to be active in the formation of reproductive tissue (including the prostrate). And has be en positively correlated with visceral obesity and large prostrate tumors [4].Studies have shown that lepton promotes the proliferation of androgen- independent prostate cancer cell lines. It has also been shown to promote vascular endothelial cell profiler and misdiagnoses in vivo, processes that are crucial to allow cancer progression. Also, it has been positively correlated with increased prostrate cancer cell migration (implying invasion and metastasis) [5]. Mechanism of action – The proliferation response of prostate cancer cells to lepton has been shown o involve intracellular signaling molecules such as physicality-instill 3- kinas (POP-K) and c-June NH-terminal kinas NON). 10] o Interleukin-6 – one third of the circulating level secretion of IL- 6 is from adipose tissue. It is directly proportional to visceral obesity and insulin resistance. Its normal role being in modulo action of immune response and cell-functions – it is basically a growth inhibitor. However, recently it has been shown to undergo a transition in its role from growth inhibitor associated with neuroscience differentiation to stimulator accompanied by androgen receptor cacti action in prostrate cancer progression [6].Prostrate cancer cultures have been shown to secrete high levels of IL- 6, and it is believed that chronic exposure to this dopamine leads to loss-of-growth- inhibition in tumor cells. Serum IL-6 levels >7 pig/ ml are associated with a poor prognosis in men with prostate cancer. O Vascular Endothelial Growth Factor (VEGA) – VEGA levels are positively correlated with visceral obesity, and it is a potent nitrogen that allows for cell- migration, misdiagnoses and micro-vascular permeability. It hence, has a direct growth factor effect on tumor progression of all ski ads of cancer.Aggressive high grade cancers all show high levels of VEGA secretions. It is why apotheosized that obesity driven elevation in VEGA levels is a potent priming event for all forms of c anger, specially hormonal cancers. O Depiction – this is an dopamine that is negatively correlated with obesity and visceral fat. It has been identified as a possible therapeutic agent in many obesity related metabolic co indications, such as diabetes, hyp ertension, etc. Hence, by virtue of its opposite nature to other adipose nest, it is hypothesized to be the ‘anticancer' dopamine. It is also negatively correlated with high h grade prostrate and breast cancers.The function of depiction is via its two primary receptors, which have a spatial didst fiction that is governed by other growth factors and adipose. Studies have also identified JUNK and signal transducer and activator of transcription 3 (STATS) as common downstream effectors of depiction. Both JUNK an d STATS play of cell proliferation, differentiation, and apotheosis during various physiologic and pathologic events such as tumor development. [7] Discussion/Analysis – Getting fat – Starting in chronological order of occurrence, in a patient's life – first, one must become obese for any risks to be present.Is this necessarily, true? Yes. Not that non-obese people are necessarily risk- free or unlikely to get cancer – but obesity is positively correlated with multiple forms of cancer, so that risk is assure deed. Foods containing high levels of saturated fatty acids and cholesterol are specifically t he ones that are implicated in development of central abdominal obesity. Linoleum acid (or Omega 6 polyunsaturated fatty acid) is a constituent of animal- at that has been positively implicated in prostrate cancer migration/ metastasis [12].Also, low-fat culture medium for in vitro tumor cultures resulted in decreased proliferation rates and low- fat diets for tumor bearing nude-mice also showed slower progression of tumors. White Adipose Tissue (WATT – a sub- classification of adipose tissue, which is largely present in visceral fat), is significantly co-relatable to consumption of animal- fat and saturated fatty acids. It is recognized as a metabolically active endocrine organ – some of the secretions of which have been listed above. Hence, there is definitely a relation between one's diet and cancer prognosi s.The role of obesity – Obesity has been generically classified as a condition that suppresses non- aggressive diseases and accelerates the aggressive ones. How true this stereotype may be, is not the subject of this report – but nonetheless the statement does hold true for cancer progression. To say that cancer (of any form) may be ‘induced' by obesity, is not a Justifiable states .NET on the basis of currently available data. However, ‘cancer progression' is definitely a task that obesity is able to remote to sufficiency (of the tumor).

Financing SME Essay

The definition of Small & Medium scale Enterprises (SMEs) varies from country to country. The classification can be based on the firm’s assets, number of employees, or annual turnover along with the loan amount. Central Bank of Sri Lanka defines SMEs as enterprises with less than Rs. 600 million turnover per annum and with a maximum exposure of Rs. 200 million mainly to be classified as a SME for Basel II Capital adequacy calculation and utilization of funds accumulated in the Investment Fund Account in Banks. Whatever the definition, and regardless of the size of the economy, the growth of SMEs throughout the region is crucial to growth of respective economies. Because, SMEs play a critical and important role in providing job opportunities, enhancing the quality of human resources, maximizing the use of local resources, saving foreign exchange, nurturing a culture of entrepreneurship, fostering creativity and opening up new business opportunities etc. Most corporate organizations in Sri Lanka or elsewhere are the establishments started as SMEs in its early stages. Classic examples from our own country may be Nawaloka Group, Access International, Softlogic Group of companies. In most literature, it is mentioned that access to financing has been recognized as a major impediment for many SMEs and its growth, whereas corporate business entities have the advantage over the SMEs in doing so primarily as a result of their formalization. However, according to Juliet Mckee and Kimball Dietrich (2003), most common problems for SMEs are the lack of access to market information and technology, the low quality of human resources and the lack of access to capital. Despite efforts by financial institutions and public-sector bodies to close funding gaps, SMEs continue to experience difficulty in obtaining risk capital. These funding gaps relate to firm size, risk, knowledge, and flexibility. The development literature focus a good deal of attention on issues faced by SMEs in accessing finance. Traditionally, the focus is on obstacles created by financial institutions, mainly by commercial banks or on imperfections in the broader institutional environment. However, SMEs also make decisions about financing and display attitudes that have an important bearing on financing decisions. Therefore, constraints may also appear on the â€Å"demand side† of the financing market. Objective of this article is to discuss the key challenges and issues for bankers pertaining to SME lending, of which, part of them are inherent in SMEs and for others bankers are responsible. 1. Issues of SMEs 1. 1 Lack of financial literacy or weak financial literacy In the literature, lack of financial literacy is designated as informational asymmetries where SMEs typically posses privileged information on their business that cannot be easily accessed or cannot be accessed at all by lenders or outsiders. Reasons for this may vary and also have different perspectives. SMEs are mainly driven by entrepreneurs who have nurtured in their own ways to prospective SMEs. As a result of hard ways of development, they either had no time to devote further education or do not believe in learning. This is evident from the credit applications that are submitted to banks for financing. This eventually leads to low levels of financial literacy among entrepreneurs. Financial literacy is the ability to understand how money works in the world: how someone manages to earn or make it, how that person manages it, how he/she invests it (turn it into more) and how that person donates it to help others. More specifically, it refers to the set of skills and knowledge that allows an individual to make informed and effective decisions with all of their financial resource. Though many SME owners are sound in developing business models and working out the profitability of products and services, understanding about the macro picture of the SME’s overall financial standing in terms of profit and loss account, balance sheet and cash flows is week. As a result, they sometimes opt to resort to outsiders or merely depend on themselves in preparation of financial information which may or may not reflect the actual picture of the SMEs. Because of this impediment, banks have no choice, but to depend on collateral for SME financing. At the backdrop cash flow lending is encouraged, financial institutions are struggling to project the SMEs’ sustainable bankability. This is recognized as the main obstacle for banks and financial institutions in financing SMEs. One of the options to counter this impediment is the concept of â€Å"Para accountant†. A Para accountant is an external consultant who uses finance, economics, risk management and technology skills to help organizations prepare and report financial and tax statements according to accounting principles and regulatory requirements. A Para accountant also may review a firm’s internal controls, processes and procedures to ensure that such controls are adequate. A Para accountant may work on a client’s site or remotely. They are not necessarily qualified accountants, however, might be an option. Bankers’ prime objective in this endeavor is to develop reliable sources of information so that they could project the sustainable cash flows of the business. With this objective banks could train their credit appraisal officers as Para Accountants, who will interacts with prospective SMEs and develop a set of financial information while strengthening the banking relationship over a period of time. 1. 2 Entrepreneurs’ knowledge about building a prospective banking relationship A banking relationship is about much more than just selecting a bank to handle a company’s bank accounts. If the relationship is managed well, it can help a company to thrive. SMEs that use more than one bank will need to manage multiple banking relationships. A company will first have a business account (or several) at a retail bank (or banks) for all day-to-day financial transactions. Whether it is retail, SME or corporate, the banks should have a team of business banking advisers on hand, to advise and guide a company. It’s important to ensure continuity— banks usually offer a contact with a designated person and in turn expect to deal with the same person or persons from the company. A good banking relationship depends not only on personal rapport, but also by having a solid understanding of the company and its financial needs. Over time, a banking adviser should build up a good understanding of the company’s preferred ways of doing business and incorporate that into how their banking requirements are handled. There are many advantages having a sound banking relationship for SMEs. The bank is more likely to offer loans and other lines of credit, potentially at preferential rates of interest, if the bank advisers feel there is a good relationship with the company. The bank’s advice can be tailored for the company’s needs and personal style, rather than given generically. In times of crisis, a company having its bank’s support will be crucial. Even if a company is a text-book case of insolvency, strong personal rapport with a company representative means that the bank is more likely to offer leeway if it knows that directors are doing their utmost to keep the company going. Failure to develop a strong relationship, however, means that the SME is likely to miss out on good advice and, crucially, support in times of difficulty. However, unfortunately, many SMEs are not on the right track to understand the importance of having a good banking relationship. Given that no sound financial information are available, at least, SMEs should try to maintain a healthy customer relationship with the financial institution to entice financial needs, especially in difficult periods. It is both Bankers’ and SMEs’ responsibility of developing a prospective banking relationship over a period of time without compromising risk capital. More than the credit facilities, credit plus would be reasonably appropriate to start such a relationship and then move into advanced levels of relationships along with credit facilities. 1. 3 Financial discipline of entrepreneurs As Henry Ford correctly cited, â€Å"Wealth does not come accidently. You have to plan for it. † One’s discipline explains the right behavior and ability to take decisions without emotions. Hence, financial discipline is all about right financial decisions. In order to be financially discipline one should understand concepts of accounting and financial management in SME business. Accounting in general is all about record keeping and developing summary financial reports. Most commonly available financial reports or information are the profit and loss account, balance sheet and the cash flow statement. Unless SMEs keep records of their daily activities, it is difficult to develop financial statements with regard to their businesses. With no financial statements, SMEs will always struggle in making financial decisions. More often, there is no clear distinction between the business finance and the finances of the proprietor. Therefore, it is critical that the lender examines carefully borrower’s all commitments, i. e. , those related directly to the business and those associated with the proprietor’s private life and assets. Lack of Business Planning is a result of weak financial indiscipline in SMEs where investment decisions, working capital decisions, even pricing decisions are based on the entrepreneurs’ values than on facts. The lack of proper financial discipline results in incorrect business decisions, which hampers the sustainability of the SMEs. MacRobert (2002), in his SME manual explains why SME borrowers are different to commercial and corporate borrowers. One of the common reasons is unskilled/ untrained principals. Many SME principals in the Asia-Pacific region are self-starters, often with limited formal education, and minimal training in business management skills. That is not to say that they are incompetent, but that they often lack the capacity to research information on ways to strengthen their businesses, and, indeed, to be aware that such resources even exists. Role of the bankers in this regard is to educate the importance of financial discipline through strong banking relationships. Bankers are one of the key sources, to get SMEs to believe in financial discipline. Bank officers should take the initiatives in this endeavor to educate the SME owners. Role of the Government is also a key imperative in developing required conducive environment through institutional and policy frameworks. Some universities in Sri Lanka have already started dedicated departments to teach courses related entrepreneurship. (Example: University of Sri Jayewardenepura and University of Colombo) and It is important to note that Business studies is part of the GCE A/L curriculum. Recent budget proposals in 2011, 2012 and 2013 has given enough support to encourage SMEs and SME financing and one of the very useful proposals was to direct government banks to set up dedicated SME Branches not only to facilitate SMEs with easy access to finance, but also to educate SME owners and to guide and direct them to right places and people. However, strengthening the institutional framework to develop business development support services is also an imperative. 2. Issues with Banks SMEs are not only critical to the economy, but also to the banks’ profitability. Most diversified banks maintain a substantial percentage of exposure to the SMEs as a strategic investment given the diversity within the SME portfolio itself. It is always profitable, but need to properly evaluate and closely monitor the delinquencies to avoid any credit risks. It is a perception as well as a fact sometimes, that SMEs are always highly risky as explained by many banks. It may be due to several factors including, non availability of financial information, no tax returns, no collateral, one man show, highly sensitive to economic conditions, no proper organizational structure, and many more. These are reasons given to avoid or very conservative underwriting of SME credit proposals. As a result of these reasons, credit policies of financial institutions are based on stringent credit guidelines. 2. Institutional framework with hindering process issues In the case of many developing countries, the above mentioned obstacles to SME financing are exacerbated by institutional and process factors. Most developing countries are still highly concentrated and have uncompetitive banking sectors. This reinforces the tendency to adopt conservative lending policies. Credit policies which mainly cover the credit risk and market risk, endorse a processes which covers many elements to secure exposure, while satisfying the regulator’s requirements. This eventually results in a value driven Credit culture in financial institutions. According to MacDonald and Timothy (2006), management’s credit policy determines how much risk the bank will take and in what form. A bank’s credit culture refers to the fundamental principles that drive lending activity and how management analyzes risk. There can be large differences in their lending philosophy. The three potentially different credit cultures are: values driven, current profit driven, and market share driven. The institutional framework is reflected through the credit policy in this part of the world, the tendency is to inculcate a value driven credit culture, which has the following attributes: Focus is on credit quality with strong risk management systems and controls Primary emphasis is on bank’s soundness and stability and a consistent market presence Underwriting is conservative and significant loan concentrations are not allowed. Typical outcome is lower current profits from loans with fewer loan losses It is evident with lower non- performing ratios prevailing in banks justifies that credit risk is covered with loan risk mitigation factors and discourage granting venture capital to SMEs. Eventually, SMEs need to resort to acceptable securities which hinders them from easy access to finance from financial institutions. 2. 2 Collateral syndrome (Risk avert) Strong value driven credit cultures in financial institutions always tighten the belts in covering credit risk. Unless the financial institutions develop competencies in cash flow based lending, credit officers have no choice but to cover themselves with collateral in risky SME lending. Competencies itself will not drive the business unless the risky lending is rewarded with challenging business targets. Security based lending propositions are gradually becoming unhealthy for economies as it discourages strategically important investment decisions. Government of Sri Lanka recently enacted legislations to ease the pressure on SMEs through amendment of Parate execution where normal civil procedure of debt recovery should be applied for loans below Rs. five million with security of property mortgages. 2. 3 Weak competency in building cash flow based lending propositions Strong value based credit policies encourage security oriented lending and creates knowledge gaps in credit officers. Security oriented lending does not require strict cash flow projections and credit evaluations. Developing cash flow projections is an art and requires overall knowledge about the industry, technology, external factors (external climate) and specific firms (internal climate) along with econometrics modeling to analyze the cash flows. When it comes to large projects, knowledge in project appraisals and risk analysis will help the credit officers to get exposed to project financing. At the backdrop of investor confidence and developing businesses in emerging economies, venturing into risky business propositions is in the agenda of the banking and financial intuitions. Financing SMEs are risky but at the same time profitable, so indeed banks need to develop how best they could mitigate the risk of these ventures. One of the options is to gradually develop a culture of SME financing with confidence through development of competencies in their credit officers. Competency development not only addresses econometric techniques of analyzing and evaluating the credit proposals, but also industry knowledge and exposure, experiences of sick industries and business units, world politics and world economics, knowledge in emerging markets and technologies, behaviors and issues of labor, understanding the entrepreneurship etc. Conclusion Many of the literature examine the issues of financing SMEs world over. However, there are key issues not only from the SMEs point of view, but also from the financial institutions and, government’s point of views. No one can expect the SMEs to nurture in best practices all by themselves. In this regard, the role of financial intuitions is greater, when it comes to inculcate and nurture SMEs in the right directions. The issues for SME financing discussed above are the keys, but there are many others which needs further discussions.

Chilhood memories of Frankie Lennon and mine

Reading     Frankie Lennon   feels like you become part of the story, you feel connected and involved at every scene that unfolds. The characters she introduces makes it more vivid and real, you can’t help but think of your own family and relatives that have been part of   your past and shaped your own present life. You begin to look back at your own childhood and adolescent years and recall the many struggles you went through to become the person you are now. It makes us think back and wonder how we got over the conflicts and complications and been able to confront them. Readers connect to the stories due to similarities in culture, race, sexuality, and childhood.The author said in an interview, and to quote her:â€Å"†¦I narrate stories starting with my childhood and take you with me on my turbulent life journey and struggle to find freedom from the many prisons that bind me.I tell stories that make you think and re-evaluate issues. I offer the reader the chanc e to see and experience my naked feelings, conflicts, fears, and struggles and you get the chance to experience my trials and tribulations along with me. It will be exciting, funny, and heartbreaking. And it will never be dull.†Ã¢â‚¬Å"The   Mee   Street Chronicles: Straight up Stories of a Black Woman’s Life is a turn pager narrative of blunt memories in her struggle to live her own life and sexual identity. The book passes through generations dealing with sensitive issues like racism, oppression, homosexuality, and   Ã‚  alcoholism   that   still   exists in our society today. It lets us enter to places never seen before but will make us aware of our own feelings, in what we love and fear of, of our desires and what we value in life. The book mirrors that presents to readers what has happened and still happening in our lives.   Many people identify and unconsciously reflect with at least one story in the book. In a special way, it surprised and touched re aders on their own personal journey.Like the author, we also preserve our memories through journals, diaries, photographs, and keep it in our hearts. We become proud of these memories because it is what our identity is all about. We pass them on to our children to tell them who we are to reveal secrets setting us free from denial. This book reminds us that we are not alone in our struggles. We may think we are strange and has a dark past, but who doesn’t? It inspires to move on no matter how bad it seemed or what people have done or said or how bad it appeared. Others out there also   went through the same difficulties and survived. Others who repeat the same mistakes just when they have lifted themselves up, and picking themselves back in shape and has finally found their way.In it, stories on childhood life were depicted like it was your own. Significant characters were portrayed as if they were your own family. It is amazing to relate because you have your own aunt , gra ndmother, uncle, and cousins who can be irritating and unpleasant when they are around you, on the other hand you truly adore. People who in one way or another   have contributed in shaping your life as a whole.One chapter in the book entitled â€Å"Adversaries† narrates some fragments on the childhood events in the author’s life. At a very young age she could still remember clear details and accounts of family members and various emotions in facing her auntie and the tensed encounters that prevail between them. You feel a little bit at the edge of your seat as words and emotions are revealed that causes you to be anxious and empathize with the girl..Somehow, upon reading this particular story, I was able to relate to the characters and circumstances that the author encountered.   Similar   events and people I grew up with. I remember these people and what they signify had an impact in my life, may   it   be   Ã‚  good or bad memories. Reading through it br ings back memories of kids being punished for reasons not explained very clearly would sometimes make you think now that it was senseless. Folks back then were not even aware that we kids need to be treated fairly sometimes. They just come lashing out of nowhere and give you spanking for all the world to see. I had my own taste of that ‘cruelty’ back then.   I   experienced   some old school discipline where I can get so ashamed of myself for something I have done wrong, just because the ‘crime’ is against the elder’s rules.  Characters like â€Å"Auntie† were also part of my so called privileged childhood. My mother’s sister would sometimes go on a vacation in our house and would stay for a long time I think for decades and my life miserable. I remember her as the lady who keeps an eye on me, scary sometimes because she would watch every move I make. She was so stern and uptight and she is so particular about being proper.She m ade a great deal of impact in the whole household with her continuous bickering, comparing her life to my mother’s. What’s worse is we have to bear with her and leaves us no choice, but   be under her rule when my parents are away for a few days. I did my best to please her and make her feel that I liked her though I was faking it. I pretended hard to be somebody else just for her to accept me and have a harmonious relationship altogether. She is now a ‘stigma’ among us cousins and her grand kids because of   the character she played in our lives.The author in the story had to go through that kind of misery.   The emotions she felt in some instances and the way she describes ‘Auntie’ in detail like her appearance, reactions, and attitude made me think back and reminds me of my own aunt. I   was touched so much by the incident that her aunt would bad mouth her father. I cannot forget the way my aunt would back-stab my mother and insult her in front of us and for other people to hear. She compares her life and her way of   raising her kids to that of my parents. She boasts of a better life and material things compared to my mother who has to work harder for a better life.My aunt and I did not talk too much. I tried the best I could to avoid her, not to be in the same room with her   and even look her in the eye. I was not sure if it is because I was scared of her or hated her. She, like Aunt seemed to be so powerful to make us frightened of her.   Picturing Aunt in my mind while reading makes me feel scared just by recalling how my own aunt was.However, unlike the author, I was never confrontational. I never talked or fought back. Frankie had the courage to stop Aunt from hitting her. I had my share of hard spankings courtesy of   not only of my aunt, but in some instances from my own parents. But I just take it as part of growing up and that is how I should be disciplined. Sometimes I would ponder, regrett ing that I did not question or prevent it from coming or could have ran away.If only I had the choice and wishes come true, I could have spent more time with my mother and have spent more loving moments with her. I could have understood it better if the she did the spanking herself.REFERENCE :Sundararaj, A. ( 2007, March 14). How to Tell a Story, A Beginner’sGuide to Storytelling. Interview with Frankie Lennon. RetrievedMay 23, 2007, from   www.howtotellagreatstory.com/byot/byot70.html – 60k- Chilhood memories of frankie lennon and mine Reading     Frankie Lennon   feels like you become part of the story, you feel connected and involved at every scene that unfolds. The characters she introduces makes it more vivid and real, you can’t help but think of your own family and relatives that have been part of   your past and shaped your own present life. You begin to look back at your own childhood and adolescent years and recall the many struggles you went through to become the person you are now. It makes us think back and wonder how we got over the conflicts and complications and been able to confront them. Readers connect to the stories due to similarities in culture, race, sexuality, and childhood.The author said in an interview, and to quote her:  Ã¢â‚¬Å"†¦I narrate stories starting with my childhood and take you with me on my turbulent life journey and struggle to find freedom from the many prisons that bind me.  I tell stories that make you think and re-evaluate issues. I offer the reader t he chance to see and experience my naked feelings, conflicts, fears, and struggles and you get the chance to experience my trials and tribulations along with me. It will be exciting, funny, and heartbreaking. And it will never be dull.†Ã¢â‚¬Å"The   Mee   Street Chronicles: Straight up Stories of a Black Woman’s Life is a turn pager narrative of blunt memories in her struggle to live her own life and sexual identity. The book passes through generations dealing with sensitive issues like racism, oppression, homosexuality, and   Ã‚  alcoholism   that   still   exists in our society today. It lets us enter to places never seen before but will make us aware of our own feelings, in what we love and fear of, of our desires and what we value in life. The book mirrors that presents to readers what has happened and still happening in our lives.   Many people identify and unconsciously reflect with at least one story in the book. In a special way, it surprised and to uched readers on their own personal journey.Like the author, we also preserve our memories through journals, diaries, photographs, and keep it in our hearts. We become proud of these memories because it is what our identity is all about. We pass them on to our children to tell them who we are to reveal secrets setting us free from denial. This book reminds us that we are not alone in our struggles. We may think we are strange and has a dark past, but who doesn’t? It inspires to move on no matter how bad it seemed or what people have done or said or how bad it appeared. Others out there also   went through the same difficulties and survived. Others who repeat the same mistakes just when they have lifted themselves up, and picking themselves back in shape and has finally found their way.In it, stories on childhood life were depicted like it was your own. Significant characters were portrayed as if they were your own family. It is amazing to relate because you have your own au nt , grandmother, uncle, and cousins who can be irritating and unpleasant when they are around you, on the other hand you truly adore. People who in one way or another   have contributed in shaping your life as a whole.One chapter in the book entitled â€Å"Adversaries† narrates some fragments on the childhood events in the author’s life. At a very young age she could still remember clear details and accounts of family members and various emotions in facing her auntie and the tensed encounters that prevail between them. You feel a little bit at the edge of your seat as words and emotions are revealed that causes you to be anxious and empathize with the girl..Somehow, upon reading this particular story, I was able to relate to the characters and circumstances that the author encountered.   Similar   events and people I grew up with. I remember these people and what they signify had an impact in my life, may   it   be   Ã‚  good or bad memories. Reading throu gh it brings back memories of kids being punished for reasons not explained very clearly would sometimes make you think now that it was senseless. Folks back then were not even aware that we kids need to be treated fairly sometimes. They just come lashing out of nowhere and give you spanking for all the world to see. I had my own taste of that ‘cruelty’ back then.   I   experienced   some old school discipline where I can get so ashamed of myself for something I have done wrong, just because the ‘crime’ is against the elder’s rules.  Characters like â€Å"Auntie† were also part of my so called privileged childhood. My mother’s sister would sometimes go on a vacation in our house and would stay for a long time I think for decades and my life miserable. I remember her as the lady who keeps an eye on me, scary sometimes because she would watch every move I make. She was so stern and uptight and she is so particular about being prop er. She made a great deal of impact in the whole household with her continuous bickering, comparing her life to my mother’s. What’s worse is we have to bear with her and leaves us no choice, but   be under her rule when my parents are away for a few days. I did my best to please her and make her feel that I liked her though I was faking it. I pretended hard to be somebody else just for her to accept me and have a harmonious relationship altogether. She is now a ‘stigma’ among us cousins and her grand kids because of   the character she played in our lives.The author in the story had to go through that kind of misery.   The emotions she felt in some instances and the way she describes ‘Auntie’ in detail like her appearance, reactions, and attitude made me think back and reminds me of my own aunt. I   was touched so much by the incident that her aunt would bad mouth her father. I cannot forget the way my aunt would back-stab my mother an d insult her in front of us and for other people to hear. She compares her life and her way of   raising her kids to that of my parents. She boasts of a better life and material things compared to my mother who has to work harder for a better life.My aunt and I did not talk too much. I tried the best I could to avoid her, not to be in the same room with her   and even look her in the eye. I was not sure if it is because I was scared of her or hated her. She, like Aunt seemed to be so powerful to make us frightened of her.   Picturing Aunt in my mind while reading makes me feel scared just by recalling how my own aunt was.However, unlike the author, I was never confrontational. I never talked or fought back. Frankie had the courage to stop Aunt from hitting her. I had my share of hard spankings courtesy of   not only of my aunt, but in some instances from my own parents. But I just take it as part of growing up and that is how I should be disciplined. Sometimes I would ponder , regretting that I did not question or prevent it from coming or could have ran away.If only I had the choice and wishes come true, I could have spent more time with my mother and have spent more loving moments with her. I could have understood it better if the she did the spanking herself.REFERENCE :Sundararaj, A. ( 2007, March 14). How to Tell a Story, A Beginner’sGuide to Storytelling. Interview with Frankie Lennon. RetrievedMay 23, 2007, from   www.howtotellagreatstory.com/byot/byot

Hostel Management Essay

ABSTRACT Hostel management by manual way is tedious process, since it involves work load and time consumption. In this system, we can easily manage the hostel details, room details, student records, mess expenditure, mess bill calculation, easy way of room allocation and hostel attendance. The main feature of this project is easy to allocate for the student and also easy to calculate mess bill. This project is carried out using Visual Basic as front end and oracle as back end. TABLE OF CONTENTS |CHAPTER NO |CONTENTS |PAGE NO | | |ABSTRACT | | | |LIST OF FIGURES | | |1. |INTRODUCTION | | | |1.1.TO THE PROBLEM | | | |1.2.TO THE SOFTWARE TOOL | | |2. |PROBLEM DEFINITION | | |3. |METHODLOGY | | |4. |SYSTEM ENVIRONMENTS | | | |4.1.HORDWARE REQUIREMENTS | | | |4.2.SOFTWARE REQUIREMENTS | | |5. |FUNCTIIONAL REQUIREMENTS | | |6. |REQUIREMENTS ANALYSIS | | | |6.1.USECASE DIAGRAM | | | |6.2.CLASS DIAGRAM | | |7. |DESIGNS | | | |7.1.SEQUENCE DIAGRAM | | | |7.2.COLLABRATION DIAGRAM | | | |7.3.STATE DIAGRAM | | | |7.4.ACTIVITY DIAGRAM | | LIST OF TABLES CHAPTER 1 INTRODUCTION 1. TO THE PROBLEM Hostel management gives on idea about how the students details, room allocation, mess expenditure are maintained in the particular concern. The hostel management system also includes some special features. The administration has the unique identity for each members as well as students details. The stock management has also held by mess expenditure, the mess expenditure that used to calculate the mess bills of each of the students. The modules of this project are student details, attendance details, room details, mess modules. Visual Basic6.0 is used as the front end tool and Oracle is used as a backend tool. Visual Basic is one of the driven programming languages. The application wizards, menu editor and data reports etc is very much useful for creating very good professional software. 1.2. TO THE SOFTWARE TOOL The â€Å"visual† part refers to the method used to create the graphical user interface (GUI). Rather than writing numerous lines of code to describe the appearance and location of interface elements, you simply drag and drop pre-built objects into place on screen. If you’ve ever used a drawing program such as paint, you already have most of the skills necessary to create an effective user interface. It revolves around ready-made objects and it is event-driven that is all the activities in a program are triggered by one event or another. Each object has its own properties, determining its position, size, color, appearance and nature of its text and much more. Each object also has its own event-handling procedures. Visual basic knows what a button is and how it works? It also works how to handle images, menus, dialog boxes, drive and directory list and much else. The programmer does not have to write code to trap these events the system does that automatically because th e program code runs in response to events. The flow of execution is not as fixed in a traditional program. Operations do not have to follow a set of sequence and can be easily interrupted, suspended or abandoned. The process of program design reflects the nature of the system. You begin by the screen layout events and then any necessary code to co-ordinate the whole program. Overall Diagram: USE CASE DIAGRAM: Use case diagram is a diagram that shows the interaction between user and system to capture the user’s goals. [pic] CLASS DIAGRAM: Class diagram is a collection of static elements such as classes and their relationships connected as a graph to each other. [pic] Sequence Diagram: Sequence diagram shows an interaction arranged in a time sequence . it is an alternate way to understand the overall flow of the control of the system program. [pic] Collaboration Diagram: [pic] State Diagram: State diagram are a familiar technique to describe the behaviour of a system. They describe all of the possible states that a particular object can get into and hoe the objects state changes as a result of events that reach the object. [pic] Activity Diagram: It describes the sequence of activity it support for the conditional and parallel behaviour . It is a variant of a state diagram in which most of the states are activity states. [pic] METHODOLOGY It contains four modules in it. They are given below †¢ Student details †¢ Attendance details †¢ Room details †¢ Mess modules Students details: This module consists of the details of the student such as roll number, name, date of birth, address, phone number, year, degree, room no, department name nad etc. here the details are entered and are updated. USE CASE DIAGRAM: Use case diagram is a diagram that shows the interaction between user and system to capture the user’s goals. [pic] CLASS DIAGRAM: Class diagram is a collection of static elements such as classes and their relationships connected as a graph to each other. [pic] Sequence Diagram: Sequence diagram shows an interaction arranged in a time sequence . it is an alternate way to understand the overall flow of the control of the system program. [pic] Collabration Diagram: [pic] State Diagram: State diagram are a familiar technique to describe the behaviour of a system. They describe all of the possible states that a particular object can get into and hoe the objects state changes as a result of events that reach the object. [pic] Activity Diagram: It describes the sequence of activity it support for the conditional and parallel behaviour . It is a variant of a state diagram in which most of the states are activity states. [pic] Attendance details: In this module,attendance details are maintained. Hence the upto date attendance of the each students are maintained. USE CASE DIAGRAM: Use case diagram is a diagram that shows the interaction between user and system to capture the user’s goals. [pic] CLASS DIAGRAM: Class diagram is a collection of static elements such as classes and their relationships connected as a graph to each other. [pic] Sequence Diagram: Sequence diagram shows an interaction arranged in a time sequence . it is an alternate way to understand the overall flow of the control of the system program. [pic] Collabration Diagram: [pic] State Diagram: State diagram are a familiar technique to describe the behaviour of a system. They describe all of the possible states that a particular object can get into and hoe the objects state changes as a result of events that reach the object. [pic] Activity diagram: It describes the sequence of activity it support for the conditional and parallel behaviour . It is a variant of a state diagram in which most of the states are activity states. [pic] Room details: In this module, the room number for the hostel student is allocated and the details of the each students are maintained and updated regularly. USE CASE DIAGRAM: Use case diagram is a diagram that shows the interaction between user and system to capture the user’s goals. [pic] CLASS DIAGRAM: Class diagram is a collection of static elements such as classes and their relationships connected as a graph to each other. [pic] Sequence Diagram: Sequence diagram shows an interaction arranged in a time sequence . it is an alternate way to understand the overall flow of the control of the system program. [pic] Collabration Diagram: [pic] State Diagram: State diagram are a familiar technique to describe the behaviour of a system. They describe all of the possible states that a particular object can get into and hoe the objects state changes as a result of events that reach the object. [pic] Activity Diagram: It describes the sequence of activity it support for the conditional and parallel behaviour . It is a variant of a state diagram in which most of the states are activity states. [pic] Mess Modules: In this module, the mess item expenditure for each student in the hostel is calculated for each month and the mess bill for each student in calculated and displayed. USE CASE DIAGRAM: Use case diagram is a diagram that shows the interaction between user and system to capture the user’s goals. [pic] CLASS DIAGRAM: Class diagram is a collection of static elements such as classes and their relationships connected as a graph to each other. [pic] Sequence Diagram: Sequence diagram shows an interaction arranged in a time sequence . it is an alternate way to understand the overall flow of the control of the system program. [pic] Collabration Diagram: [pic] State Diagram: State diagram are a familiar technique to describe the behaviour of a system. They describe all of the possible states that a particular object can get into and hoe the objects state changes as a result of events that reach the object. [pic] Activity Diagram: It describes the sequence of activity it support for the conditional and parallel behaviour . It is a variant of a state diagram in which most of the states are activity states. [pic] SYSTEM ENVIRONMENT Hardware specification: Processor: Pentium IV Process speed: 1.6 GHz Memory: 512MB Hard drive: 80 Keyboard:107keys Mouse :Microsoft Software specification: Operating system:Microsoft windows 2000,windows XP Development:Microsoft visual studio Front End:Visual basic6.0 Back End:oracle PROBLEM DESCROPTION The project HOSTEL MANAGEMENT SYSTEM has been developed to reduce manual effort and making things faster and efficient. REQUIREMENT ANALYSIS 6.1.USE CASE DIAGRAM: Use case diagram is a diagram that shows the interaction between user and system to capture the user’s goals. CLASS DIAGRAM: Class diagram is a collection of static elements such as classes and their relationships connected as a graph to each other. DESIGN 7.1. Sequence Diagram: Sequence diagram shows an interaction arranged in a time sequence . it is an alternate way to understand the overall flow of the control of the system program. 7.2. State Diagram: State diagram are a familiar technique to describe the behaviour of a system. They describe all of the possible states that a particular object can get into and hoe the objects state changes as a result of events that reach the object. 7.3. ACTIVITY DIAGRAMS: