Travel Agency Management

{draw:frame} TRAVEL AGENCY MANAGEMENT HTM 1213 COURSE WORK INTRODUCTION {draw:g} MY COMPANY NAME: LOVE TOUR COMPANY SDN. BHD *SHARE HOLDER: 30% OF *BUMIPUTRA (MOHAMAND ALIZAH) TOTAL CAPITAL: RM 300,000 LOCATION: PLAZA 393 *EMPLOYEE: TOTAL* 5 PEOPLE OFFICE SPACE: 200sq LOGO DESIGN *Reasons for the above design*: Red colou*r is love, passion. This color is very shinning and striking can attract customer. * And can boost our energy. *Red is my favorite colo*u*r*. *R*epresent we give customer a good professional service ,a nice caring and friendly tour guide service. draw:frame} Reasons of Why I Choose This Location Shopping square the place for a recreation, when busy within, have any incident go, think surplus thing as people. The shopping plaza is that one lets people slow down the step, the relaxed and good time of leisure temporarily. I choose in the reason of the shopping plaza is people have information of paying attention to the travel society on the way when going shopping. Ther e are many convenient in the shopping plaza. There is Teller-Stella, there are security personnel, and crowds are numerous too. Whenever Sunday, a family is will choose to go to shopping square as their good time for recreation even more when will come out to go shopping. These customers group can attract at this moment. My major customers are students and the family is the main fact. The crowd in shopping square are students and the family mostly, and the potential customer who I want to look for. Products that tourist corporation of me introduce unique with ultralow price products and extra prize that buy one get one free that trivial RM200 can travel abroad too as the main fact. The red signboard by the products of our company will be attracted with when people come to shopping. I will select my company office in the center of shop of the middle of the first floor. All are famous of brand companies in the ground floor. In this way sight so famous-brand company or some mega-store those Focus Club of customer. Select to avoid losing more competitors on the first floor. The first floor is easier to attract to like going shopping generally, stroll around to the students of the dress boutique it with parents' customer. The cheap ground floor too of rental upstairs is numerous generally. There are a lot of facilities on shopping square, for example: The market offers ATM, have security personnel, more parking stalls. The convenient parking stall will let the customer like to come to the company personally too. The place where it is very inconvenient to choose one and park, the traffic is crowded, very far away and remote place of car park, the customer will not want to come over to the company often. Shopping have some insurance company too, bank, let staff working facility of company of me, like the customer buys the tourist insurance, the company can cooperate with neighboring insurance company. We can offer service of buying tourist insurance on behalf. {draw:frame} {draw:frame} LOVE TOUR PROMOTION PACKAGER LOCAL Package (Full Board) 3day 2 nights *LANGKAWI* package *From *RM *1*99/per pax Include 3 star accommodations and transport and 5 meal. Day 1: drive bus to LANGKAWI Day3: full day tour 3day2night Bali Family Package Day 01: Transfer in to hotel, then hotel dinner Day 02: Full Day Tour, tour visit: Barong Dance of Batubulan, Galuh Batik Factory, Holy spring water of Tampak Siring, Mount Batur of Kintamani, Sukawati Art Market shopping centre. Lunch & Dinner at local restaurant Day 03: Breakfast at hotel, transfer out to airport Reason This area location is a low income of family and small middle class family. So, the package can’t design a high standard of tour packager. The tour budget accord with low income family. LOVE TOUR OFFICE DECOR (200sq) {draw:g} {draw:frame} DECOR DETAIL At sale and reservation ticket counter station, have two table, chair and customers chair. Table color is white color. Officer chair is black color. Customer chair is red color. Staff provides information on tour highlight, pricing, flight details etc. At behind office site, have a safe box and printer and three database cases. This can prevent thief. The mirror is installed on the wall, can make the office seem more spacious. {draw:g} {draw:frame} {draw:g} {draw:g} {draw:frame} Organization Structure of Love Tour Company Organization Chart {draw:frame} The Company Has Five Employees: Two employees work in sales and plan the tour operation. One employee coordinates scheduling and reservations; One employee performs HR, billing, and office management duties; Another individual owns the company and serves as the owner. List of Qualities Sale executive Possesion of a Professional Certificate, Diploma, Advanced/Higher/Graduate Diploma, Bachelor's Degree, Post Graduate Diploma or Professional Degree in Human Resource Management, Marketing, Property Development/Real Estate Management, Hospitality/Tourism/Hotel Management or equivalent is preferable. Required language(s): Chinese, English At least 2 year(s) of working experience in the related field is required for this position. Preferably Senior Executives specializing in Hotel Management/Tourism Services or equivalent. Job role in Hotel Manager or Travel Coordinator/Agent. 1 Full-Time positions available. Applicants should be Malaysian citizens or hold relevant residence status. Travel Consultants Minimum SPM Good command of English, Mandarin and Bahasa Malaysia Knowledge in airlines ticket reservation preferred. Diploma in Travel Tourism is an advantage. Computer literate. , Age below 30 years old. Accounting Full time, †¢must possess at least a Diploma or Advanced/Higher/Graduate Diploma in Finance/Accountancy/Banking or equivalent †¢ Female aged below 30 years & computer literate †¢ Able to communicate in written & spoken Mandarin & English Requires an understanding of accounting and proficient in USB,MS Excel, database experience and GL entries.

Arthur Miller’s, A View From The Bridge Essay

Arthur Miller’s ‘A View From The Bridge’ is a great play set in the run down area of Brooklyn, New York, a community in Red Hook, during the 1950s. It explores the themes of justice, unnatural love, codes of society and respect. The play focuses on the jealousy the protagonist, Eddie Carbone, exerts towards his wife’s illegally immigrated Italian cousins, Marco and Rodolpho, due to his passionate feelings for his own niece, Catherine, consequently ending with his life. The key events of the play are all very reasonable and typical in reflection to the time it was written. The disastrous aftermath of World War Two and the Great Depression left people with one dream; the American dream. To escape their less economically developed country and lead a better life many travelled to America. Italians suffered most excruciatingly hence it is they who went through mass migration, but lead it a better life they did not. Confrontation with suspicious Americans and intense hardship only crippled their self-esteem and lead them to be more independent. In ‘A View From The Bridge’ we witness how this period of time effected and shaped the behaviour of characters in the play. Arthur Miller uses Alfieri to make the play much easier to understand and enjoyable for us, the audience. In this essay I am going to analyse how exactly this has been done. Arthur Miller cleverly uses Alfieri in a number of ways. Alfieri is the narrator; Alfieri plays a character; and Alfieri is a good example of what some call a Greek Chorus. He is our narrator and plays the role of an Italian-American lawyer which makes us expect his words to be truthful. Alfieri also very effectively helps distinguish scenes, expand on characters and make the play more explicit, just as a Greek Chorus would do in old Greek tragedies. Doing this allows us to understand and follow up on the play, its themes and events. â€Å"†¦In Sicily, from where their fathers came, the law has not been a friendly idea since the Greeks were beaten†¦Justice is very important here†: Alfieri’s opening monologue, Act 1; he is the Greek Chorus. Alfieri gives us some background information on Red Hook and its neighbourhood, allowing the audience to form an impression on the characters and their morals. Having knowledge on the circumstances explored in the play, what with the illegal immigration, this line in the monologue can infer one of two things: the Italians in Red Hook cannot turn to the law because they are illegal immigrants, or the Italians will not turn to the law due their lack of trust as a result of their Italian customs. Either way, since turning to the law is never going to be the answer, the obvious way to gain justice is for the law to be taken into the people’s hands. Knowing this helps us, the audience, understand why certain events take place later on in the play. We understand Marco is an immigrant and therefore understand why he uses violence to enforce justice against Eddie for his actions. The theme of justice is introduced here. Eddie Carbone’s death at the end of the play came as no surprise to us all. Alfieri had already told us from the beginning that he sat there and â€Å"watched it run its bloody course†¦this one’s name was Eddie Carbone’’. Eddie Carbone will die, but in no ordinary way; he will be murdered which we can indicate from Alfieri mentioning â€Å"bloody course†. Alfieri put great emphasis on the fact that the people of Red Hook take justice into their own hands in his opening monologue which, if we put two and two together, must mean that Eddie’s blood will be spilt for one’s justice. This time Arthur Miller uses Alfieri to really hook, and keep us hooked, in the play. Us knowing that Eddie will be murdered before it actually happens means that we, the audience, know more than the characters. Throughout the play, no matter what turn of event takes place, we know that Eddie’s death is inevitable. This creates a very interesting and suspense atmosphere as we are eager to find out how exactly each character’s action leads up to the death; how Eddie’s own actions may have a huge impact on Marco feeling compelled to end his life. The theme of unnatural love is also first made clearer to us through the use of Alfieri and his unveiling of Eddie’s true inner feeling for Catherine, although Eddie himself denies such possibility which is typical of longshoremen, or men generally, of the time; expressing your emotions just wasn’t a masculine thing to do. Alfieri claims that Eddie has â€Å"too much love for the niece†, which makes Eddie’s resentment towards Rodolpho understandable to us. Why Eddie opposed Catherine’s relationship with Rodolpho was at first quite inexplicit, with many of us assuming it was just the possessiveness of an uncle, but Arthur Miller’s use of Alfieri’s, again as a Greek chorus, makes the play more understandable, and not only that, it also enhances the dramatic factor of the play; we know Eddie will die at the end of the play and are now interested to know how his feelings for Catherine will play a part in his tragic death. In Act 1 Alfieri and Eddie both highlight the codes of the society of Red Hook, made due to the mistrust in the law. Eddie outlines the consequences of snitching on the immigrants whilst Alfieri explains to us that the immigrants will take the law into their own hands. When Eddie is on the verge to call the immigration Bureau later in Act 2 Alfieri tells him he â€Å"won’t have a friend in the world†, reminding Eddie and us that the society will destroy him if he informs because he is going against their codes of society. Here Alfieri, in spite of being a lawyer who should support the law, is trying to prevent Eddie from making a huge mistake. Alfieri is an American lawyer from an Italian background which is why he is aware that if Eddie goes along with his actions then he will have the society to answer to. We trust Alfieri, a lawyer to be a good judge of character and rational, because he is professionally detached. However, with Eddie he has a slight connection which he mentions in his opening monologue: â€Å"I had represented his father in an accident case some years before, and I was acquainted with the family in a casual way†. When Eddie did call the Immigration Bureau, Alfieri and the audience know that Eddie’s actions were against the codes of society and citizens of the time would not abide by the law, no, they will enforce their justice though violence. However despite being aware of this, Alfieri offers a different opinion on the codes of society to Marco. â€Å"To promise not to kill is not dishonourable† and â€Å"Only God makes justice†. This makes the play very much more dramatic because on one hand Alfieri goes against the law advising Eddie not to snitch, and on the other hand Alfieri goes against the codes of society by telling Marco not to kill Eddie. This adds to the dramatics because we know that Alfieri’s attempts to prevent Eddie’s death will fail, he himself mentioned being â€Å"powerless†, so we continue to watch whether Marco listens to Alfieri or does go out to kill, sticking by his Italian customs. In addition, I think that Arthur Miller has decided to make one character go against the law and the other by the law to show that both the law and a person’s morale can be wrong – the law is not always correct and neither is a person’s judgement of what is right and wrong. This too makes it dramatic as the audience can now question themselves whether the steps taken by each character was right or wrong. The portrayal of Eddie Carbone in the play is, without a doubt, negative. His unnatural feeling for Catherine, his horrible behaviour towards Rodolpho and his betrayal to the cousins forces us to dislike his character. However, to conclude the play, Arthur Miller decides to express Alfieri’s sympathy for Eddie to shape our final impression of him, leaving us confused as to whether Eddie was a heroic character or a villain. †¦even as I know how wrong he was, and his death useless, I tremble†¦something perversely pure calls to me from his memory†¦for he allowed himself to be wholly known and for that I think I will love him more then all my sensible clients†. Alfieri does not stop liking Eddie because he understands what he was like. He is suggesting to us that although we recognise Eddie’s actions as immoral and wrong, perhaps we should delve deeper into what provoked Eddie to commit the crimes he did. His love for Catherine, while wrong, is pure, so should he have been punished by death? But maybe if he had listened to Alfieri and compromised with Catherine and Rodolpho’s relationship none of this would have happened. Alfieri had repeated many times, as well as in his closing monologue, that it is â€Å"better to settle for half†; making compromises is best. This is the very meaningful message Arthur Miller portrays to us through Alfieri throughout the play. To conclude, I believe Alfieri, despite not taking much part in the action, has a very vital part in the play. He is, metaphorically speaking, the bridge in the play, who has been distinctively used as a viewpoint of the story. Without him we would have been left clueless after watching the play as it is he who fills in all the gaps and answers all the unanswered questions lingering in our minds. He also raises suspense in the play like no other, enhancing our enjoyment. When Eddie is on the urge of calling the Immigration Bureau Alfieri, despite being a lawyer who should support the law, discourages Eddie from proceeding with the call. You won’t have a friend in the world, Eddie! Even those who understand will turn against you, even those who feel the same will despise you! † He reminds Eddie and the audience that the society will destroy him if he informs because he is going against the codes of society. Alfieri is knowledgeable on these codes of so opposes the law as he does not want Addie to make this mistake probably because he is becoming too attached to Eddie’s story as he offers a different opinion on the codes of society to Marco. To promise not to kill is not dishonourable† and â€Å"Only God makes justice†. Both Alfieri and the audience know that Eddie’s act was against the codes of society and in the society of the time Eddie will be punished though violence as this is the only way Marco, an Italian immigrant, will obtain his justice, based on the fact that the Italians did not trust the law. But yet Alfieri went against the codes of society by telling Marco not to kill Eddie, whilst on the other hand he goes against the law advising Eddie not to inform. This make the play more dramatic because the audience know that Alfieri’s attempts to try and prevent Eddie’s death will not have worked, reinforcing that he is powerless, so they continue to see how Eddie dies. Also I think that Arthur Miller has decided to make one character go against the law and the other by the law to show that both the law and a person’s morale can be wrong – the law is not always correct and neither is a person’s judgement of what is right and wrong. This too makes it dramatic as the audience can now question themselves whetehr the steps taken by each character was right or wrong. He doesn’t stop liking Eddie, because he understands what he was like. He mourns Eddie, but with alarm, because he knows it will happen again. Alfieri is the voice of reason amongst great chaos, but chaos wins, probably because of the tense situation. I confess that something perversely pure calls to me from his memory. â€Å"To what extent is it possible to feel sympathy for Eddie? Consider in your answer the part played by the Italian community in his behaviour. When Alfieri concludes his feelings at the end of the play, he is suggesting to the audience that although we recognize Eddie’s actions as immoral and wrong, perhaps we may still be able to sympathise with him. In order to answer this, we have to delve deeper into what provoked Eddie to commit the crimes he did, which ended eventually in his own death. At the beginning of the play, Miller wants us to recognise just how good a man Eddie can be. With his Arthur Miller ends the play in a dramatic and thought provoking way. The audience question whether Eddie deserved to die or not. All Eddie had done is fallen in love, perhaps with the wrong person, but love is a pure emotion that cannot be controlled. Eddie’s feelings lead him to call the immigration Bureau but he was not in the right state of mind as he himself was confused about his feelings for Catherine co should he have been punished by death? Arthur Miller uses Alfieri to close the play portraying a meaningful message, a phrase which he repeats many times; â€Å"And yet it is better to settle for half†. Making compromises is best. Being greedy can be regretful so it is better to be happy with what you’ve got than risk your life for more. Although Alfiieri does not take much part in the action, he has a vital role in the play. He is the narrator, the lawyer and the mediator (he tries to keep the peace). He is, metaphorically speaking, the bridge in the title. He is separate from the main action so could be described as looking down on it. He also links the Italian American community with America itself in terms of its laws which do not necessarily reflect traditional Italian views on justice. Significantly by the title â€Å"A view from the bridge†, this is indeed exactly the role of Alfieri’s character. Miller uses distinctively the character of Alfieri as a viewpoint of the story , something he does in a very elegant and dynamic way. In conclusion, Alfieri’s role within this play makes it entertaining, enjoyable and easier to understand for the audience. I believe that without Alfieri the play would not have binded well therefore the audience would not have had a good understanding. It’s like having a building without its foundation. Arthur Miller’s use of Alfieri managed to draw in the audience’s attention, build up suspense at the beginning of the play, make it clear why certain events took place and why characters behave the way they do, so I think that without Alfieri, ‘A View From The Bridge’ will be meaningless and confusing to watch.

Reforms in Competition Policy in the UK Essay Example | Topics and Well Written Essays - 1500 words

Reforms in Competition Policy in the UK - Essay Example This research will begin with the statement that in any business environment, competition is a vital element that brings about both positive and negative results. This is because it is seen as a sort of reward for innovation and efficiency, it is also enhances productivity within any given country or region. In addition, competition ensures that customers can get low price and more choices. Besides this, their living standards are raised. Indeed, if competition is supported by the right competition policies, then a country can be well on its way to achieve economic prosperity. In this context, policies in this area are necessary to ensure that trade practices are regulated, undue competition is restricted through legislature and that markets are strengthened so that businesses can become viable in the global market. Competition policies are designed to ascertain that the financial market is opened up. Besides this, it also floats the country's currency and decreases trade barriers. T here are a number of direct benefits that come out of competition policies to businesses; some of these include low costs for utilities like electricity, telephones and other telecommunication charges. Transportation costs are also reduced like rail freights and port. However, country's undertaking such policies should be aware that this involves a high cost to them. There are a large number of parties that are affected negatively by this kind of scheme. The first are industries, the second are households, the third are industries and even regions n general. Households are the ones who have to bear the burden of job cuts and consequently loss of income spiralling from competition policies. Prime Minister Gordon Brown believes that the function of competition policy is to promote competition and to reinforce markets. He believes that its purpose is to regulate the business environment such that purchasers and challenges can be protected. In addition, incentives in business mustn't be obliterated; they should still be able to create, invest and take risks. Recent changes in competition policy have been centred along these latter mentioned principles. The UK parliament has looked at merger laws that were passed in the competition policy of 1998. This merger law has been placed under scrutiny by parliament through the Enterprise bill. This Bill that was passed in the year 2000 was designed to regulate mergers within the business environment. The law stipulates that mergers should be made only when they do not limit competition. Mergers that give such indications are to be taken to the Office of Fair Trading. This body will determine whether the merger should be subjected to further scrutiny under the Competition Commission which has the mandate to halt or allow progress of the merger. These reforms are aimed at providing some additional safeguards against unfair trade practices. Some business owners contemplating mergers may have unfair possession of assets if the mergers are completed thus justifying the need for regulations. There are a number of services that have blockages in regards to mergers. An example of an unhealthy merger that was prohibited in the year 1999 was the Manchester United/ BSkyB merger. Such a merger would present considerable problems to the business environment surrounding media communications. Firstly, the merger was going to give the media Company undue vertical privileges that would inhibit other players in the industry. Consequently, this effect would then trickle down to the final consumer and cause dissatisfaction because only one company has exclusive privileges and will therefore have more market power. Restrictions of competitive agreements and dominant positions in the market Competition policies in the recent past also regulate provision of services that are outside the traditional domain of any business. This has received a lot of emphasis after technological advancements.

The Impact of Globalisation on BRIC Economises Literature review

The Impact of Globalisation on BRIC Economises - Literature review Example Globalisation has been attributed to the acceleration of international economic integration, which has been unexpected in numerous ways. However, there are expectations that this might contribute to the vulnerability of workers in BRIC economies. There are resenting developments in the world concerning the increased importance of emerging economies, for instance, China has become a large exporter, whereby it has raised its reputation in international production networks entailing off shore business. Therefore, globalization has enabled these countries to work together in order to counter well-established interests and organizational structures. The relationship between America and Europe has been substantial in facilitating the developments between the BRIC countries.Globalization in BRIC countries that are attributed to integration with the inputs, finished goods, and services, which are underscored by increased business transactions in the world trade. There are factors that are sp ecific to each country or region, and they have an influence to domestic and trade reforms in BRIC countries since these countries have made a significant expansion of their exports, thus contributing to the development of their economies.In addition, this has a significant distinction of the BRIC to other countries in the world; for example, China’s performance has been in accordance to the perceptions of the pubic in other countries that have been attributed to the same economic performance, such as India, Russia and Indonesia.... The relationship between America and Europe has been substantial in facilitating the developments between the BRIC countries. Globalization in BRIC countries that are attributed to integration with the inputs, finished goods and services, which are underscored by increased business transactions in the world trade. In fact, the ratio of trade-to –trade GDP and the shares of the value addition by the exporters has fostered a uniform development in the wide range of various economies in the world. There are factors that are specific to each country or region, and they have an influence to domestic and trade reforms in BRIC countries, since these countries has made a significant expansion of their exports, thus contributing to the development of their economies (European Commission, 2009, 1). In addition, this has a significant distinction of the BRIC to other countries in the world; for example, China’s performance has been in accordance to the perceptions of the pubic in other countries that have been attributed to the same economic performance, such as India, Russia and Indonesia. Globalization in the BRIC economies has made a significant contribution to the creation of opportunities for investors, whereby the multinationals in the world are targeting these countries, with the objectives of exploiting their markets (Dranitsyna, 2007, 1). For instance, in China, the General Motors made higher sales compared to America, in 2010, and there are expectations that China will become the world’s largest market for aviation and luxurious goods. In fact, BRIC countries have eliminated competition concerning growth and incremental consumption with other countries in the future. Moreover, globalization has caused a shift in the global consumption towards the emerging

Analysis and talk about the differences between the Chinese cultures Essay

Analysis and talk about the differences between the Chinese cultures and American cultures in The Women Warrior book - Essay Example She gives in to her personal desires only to be shunned by her society because of her illegitimate child. She kills herself and her newborn baby after giving birth in a pigsty. The story of â€Å"No-Name Woman† shows how old Chinese societies were. Indiscretions by women were horrible transgressions that caused people’s lives. The shameful act of a woman was unforgivable as proven by how Kingston’s mother shares the family decided that the aunt never existed. Similarly, in the history of America, women who acted in lust and bore children out of wedlock were looked down on in their villages. Unlike the Chinese though, these American women in ancient times did not take their own lives or their baby’s lives out of shame. Another female that figured in Kingston’s life was another aunt, Moon Orchid. She is the sister of Kingston’s mother. Like â€Å"No Man Woman† her life ended sadly. Left by her husband, Moon Orchid was convinced by Kingston’s mother to follow the husband, who has a new family in America, and claim her place as the rightful wife. Moon Orchid was rejected. Unable to learn the English language, Moon Orchid became crazy and eventually died in a mental asylum. In Chinese culture, it is not uncommon to have a second wife, a trophy wife. The husband must provide for both wives. In America, this is not part of the culture at all which is why divorce is such a big deal. Another difference in culture is how Moon Orchid failed to adapt when in America. In contrast, American women manage in one way or another to adjust to the current situation and survive. Yet another woman mentioned in the book is Fa Mu Lan. A mythical character, Fa Mu Lan is a courageous woman who pretends to be a man, saves her husband, leads an army into overthrowing a bad emperor and kills a horrible baron. In this story, the author depicts Chinese women as brave as well. Although the Chinese of today are still patriarchal, the women have started establishing

Compare and contrast the different connections Essay

Compare and contrast the different connections - Essay Example Firstly, with respect to Buddhism, the reader can acknowledge the direct meaning of the term â€Å"karma† within the Buddhist tradition relates to action or doing. Within this understanding, there is a further separation between meanings as karma refers to actions that come from a sentient being and those that refer to the entire karmic teaching that encompasses the entire universe (Ciurtin 493). Within this, it is clear to understand that karma is not only something that is represented between human relations, but a static and very real concept that helps to define the universe itself and the mechanisms through which humans interact with one another. Perhaps the most basic level of understanding that exists within the Western world with reference to karma is with relation to the Hindu understanding of what it represents. As a direct result of the Hindu focus on reincarnation and the importance of allowing for positive deeds to determine whether or not one will achieve a higher station in the afterlife, karma within Hinduism is intrinsically tied to good deeds and good thoughts being rewarded and attributable to reciprocity in both the current life and the afterlife. Not surprisingly, by contrast and comparison, bad deeds and bad thoughts experience reciprocity in this life as well as the afterlife as well; within the Hindu tradition (Sharma 29). From such an understanding, the reader can assert that of the three religions that have thus far been discussed, it is the Hindu tradition that places the most immediate emphasis on karmic tradition and the need to integrate with it as a means of ensuring the afterlife and intrinsic happ iness within the present. Moreover, as a direct result of the karmic tradition within Hinduism and the belief that all living creatures have a soul, the need to protect those creatures and

Principlies of finance Assignment Example | Topics and Well Written Essays - 2000 words

Principlies of finance - Assignment Example The paper outlines all the strong sides of such companies as Xtrata plc., Rio Tinto plc., HSBC pl., Tesco plc. and BT plc. HSBC has services from banking to financial products. Personal financial services under the HSBC group offer current account, personal account, loan, cards and payment services. Wealth management services take care of insurance, investment and financial products. It has existence in 87 countries for global banking, capital market and commercial banking facilities; it is headquartered in London, United Kingdom. Global financial crisis has affected a lot for global banking companies. This sector is not affected for in the emerging countries but considerably impacted on developed countries. HSBC has major revenue earning from developed countries hence most of the groups underlined have reflected bad performance in 2010. The major sector indicators are in still in bad condition. Rio Tinto plc is highly diversified company with operations in finding, mining and processing mineral resources. Rio Tinto produces aluminum, copper, gold, silver, diamond and other industrial minerals. Rio Tinto is engaged in all the continents; the head quarter is in London, United Kingdom. Rio Tinto’s business includes the mines, mills, refineries, refineries and research facilities. Company has 5 major product groups like aluminum, copper, diamonds, minerals, energy, iron ore, exploration and technology & innovation; and number of subsidiaries for availing facilities of economies of scale and cost structure. But iron ore is the main contributor to its earning with 73% dominance and copper has 18% contribution in the earning. Global financial crisis has affected Rio Tinto and created a challenge; but company is able to stabilize the situations with the proper strategic steps. This year company is able to manage a whopping increase in net earning from $4.9 billion to $14.3 b illion. Basic materials sector is also witnessing demand for above average GDP growth of China, India and other emerging nations. Global economic situation is also helpful for the increasing demand in ores. Investors and fund mangers also investing in diamonds and minerals, which is another positive force for short to medium term to the Rio Tinto’s growth. Through the SWOT analysis of the Rio Tinto, I found that the company has cash risk, market volatility threat and technological challenges in near future but the competitive advantages and growth in medium term is good opportunity for the inventors. Apart from this fundamental analysis, I found that the Rio Tinto’s return is combatively better and impressive than other competitors in the same sector for medium term and at this moment the share value is in uptrend but has major resistance in 4800. Hence selling the stock at this moment before

Exploring the Literature and Finding Studies Assignment

Exploring the Literature and Finding Studies - Assignment Example knowledge gaps or the questions being asked related to theories, and the appropriate methodologies necessary in the investigation of the underlying issues. An efficient literature review is characterized be wide information searches that are presented in the form of a paraphrased critical analysis (Jesson and Lacey, 2006; May and Holmes, 2012; Cleary, Hunt, and Horsfall, 2009). The two databases that I will use to complete my literature review are Cumulative Index to Nursing and Allied Health Literature (CINAHL) and PubMed. CINHAL abstracts and indexes numerous nursing, biomedical, allied health and consumer information sources (Kim and Yu, 2011; Cleary, Hunt, and Horsfall, 2009). The literature is presented in the form of books, dissertations, acts and educational software. PubMed database is operated by National Library of Medicine (NLM), USA. It acts as a source of free archive providing journal literature on biomedical and life sciences (Lu, 2011; States et al., 2009). Standard searches are conducted through entering the key details of the subjects into the search windows (Chang, Heskett and Davidson, 2006). Comprehensive search requires entry of detailed understanding of the subject being researched on and requires the inclusion of more specific information such a names (Chang, Heskett and Davidson, 2006; Lu, 2011). Comprehensive searches are best con ducted by specialists or

The Impact of the Institute of Medicine Report Essay Example for Free

The Impact of the Institute of Medicine Report Essay The impact of The Institute of Medicine Report (IOM) 2010 has a major influence on nursing education. The first issue addressed in the report is an increased emphasis on public and community nursing. In the past, only nurses holding a bachelors degree were experienced and trained in community and public health, and the IOM wants to change that. One particular area of change is that now associate degree nurses are being trained in these areas in order be able to transition into these fields more smoothly and directly from nursing school. Another area that is addressed in this report is to increase the number of BSN degree nurses to 80% of all nurses by the year 2020. There are many reasons that this would benefit nurses and patients alike. Overall, nurses with higher degrees have a stronger foundation in their knowledge. Also, studies have also shown that they adapt to changes in the ever changing healthcare system, much better. A number of hospitals, especially teaching hospitals, prefer BSN to ADN. Teaching hospitals have a goal of at least 90% of their nursing staff to be bachelor degree nurses. Thus, more education will only help a nurse to obtain and retain employment and give him/her the tools needed to more capably care for their patients. The American Association of Nurses stated, The need to increase the number of BSN prepared nurses will deliver safer and more effective care. As the baby-boomers get older and sicker, the care that nurses offer is becoming more complex, thus requiring nurses to have excellent critical thinking skills, in hospitals and clinics alike. However, in order for more nurses to become bachelorette licensed, a number of things must take place. First, nurses need to step up to the plate and take the initiative to go back to school and continue their education. Secondly, employers need to make continuing education 2 ore appealing to theiremployees, possibly by offering higher tuition reimbursement, incentives for obtaining a BSN, and onsite classes. Therefore, in my opinion, nurses that have a higher education, will also have a broader range of skills, such as; more comprehensive critical thinking skills, leadership skills, management experience, and research tools. Ultimately, it is up to each and every nurse, to make the choice to apply themselves, and go after a higher education. The next area of great concern is the nurses role as a leader. Improved and concise leadership will be a necessity, in order to fulfill the growing number and needs of patients, and the ever changing healthcare system. According to the IOM report, Strong leadership is required, to realize the vision of a transformed health care system. This can be achieved by a close evaluation of the system as a whole, and looking at nursing specifically. Also, ongoing reform of the healthcare and nursing system will need to be a priority. Advocacy from nurses and organizations alike is a key factor in making this work. Lastly, implementing the above area is critical to making the entire program work as a whole. Another area that holds priority in nurses as leaders is research. Research is a very important part of leadership, in relation to research that is applied to practice and policies. This can be done with reform and experience, and needs to be developed and shaped by nurses with years of experience, and by nurses that belong to committees and advocacy groups that have strong beliefs in changing nursing and the healthcare system for the better. One other area that needs to be addressed in order for nurses to become strong leaders is competencies. First, the entire multi-disciplinary team of nurses, 3 doctors, pharmacy, physical therapy, etc. , need to work together as a true team and collaborate for the patients’ best interest, best outcome, and overall health. This can be achieved, according to the American association of colleges of nursing, by having a generalized set, as well as a distinct set, of competencies. Having generalized competencies will be helpful in creating a strong foundation for all nurses to have the same basic skills. The distinct set of competencies will be more geared towards specific areas of nursing in order for nurses to be experts in their specific field of nursing. In conclusion, leadership in nursing can be achieved by evaluating the nursing practice as a whole and by making changes when necessary. Also, nurses continuing to be on the frontline of research is key to maintaining leadership. Lastly, by making sure that nurses collaborate well within the multidisciplinary team, in order to provide the best patient care possible. The last area that needs to be addressed is the portion of the IOM report that discusses the impact of nursing practice, particularly primary care. The American Association of Colleges of Nurses defines standards of practice as an outline to better guide nurses skills, judgment, knowledge, and attitudes, in order for nurses to practice cautiously and safely. (AACN 2010). Therefore we as nurses need to maintain the high level of practice that we took an oath to, upon graduating nursing school. One of the first areas that nurses can be invaluable in the community and in primary care is to be an advocate for education related to diseases and the disease process. By educating our patients upon discharge, at a level that they fully understand, will help the patient to be healthier, feel better, live longer, and prevent hospital re-admission. By educating our patients about chronic diseases such as congestive heart failure and diabetes, our patients will benefit overall and the hospital will also be able to decrease the number of re-admissions. I believe that each and every patient that becomes admitted to a hospital, nursing home, rehab, or any other facility, deserves individualized care, that is specific to them and them alone, not the cookie-cutter approach so many of us nurses have become accustomed to in the years we have worked in these settings. I will work to change and improve my nursing practice to meet the IOM’s requirements by refining my patient education. I plan to accomplish this by meeting with my manager to implement a new and improved discharge education plan that will be specific to each patients needs and at a level that my patients can comprehend. In conclusion, I believe that The Institute of Medicine Report (IOM) 2010 is a well written and well thought out, report that needs to be achieved in order for our patients to receive the best possible nursing care available to them, and for nurses to be able to practice to their full potential. The biggest barrier in the above mentioned areas of change; education, leadership, and nursing practice, is government regulation. Education requirements vary from state to state and even from one nursing school to another. This needs to be rectified, and a general set of standards needs to be put into place for all states, in order for nurses graduating from nursing schools and going out into the workforce, to achieve these goals smoothly. Also, a general set of competencies needs to be agreed upon so that ADN nurses can seamlessly transition to a BSN degree. As for leadership, the same challenge faces each state as to what the definition of a nursing leader is. A clear and concise plan needs to be in place to promote nurses into leadership positions. Lastly, the federal trade commission, the board of nursing, congress, the AACN, and other advocates and committees, need to determine national standards for nursing education, nursing leadership and nursing scope of practice, and clear up the state by state regulatory differences.

Organizational Structure and Culture Essay Example for Free

Organizational Structure and Culture Essay Knowledge – Mastery of facts, range of information in subject matter area. Skills – Proficiency, expertise, or competence in given area; e.g., science, art, crafts. Abilities – Demonstrated performance to use knowledge and skills when needed. KSA Definitions Interpersonal Skill Is aware of, responds to, and considers the needs, feelings, and capabilities of others. Deals with conflicts, confrontations, disagreements in a positive manner, which minimizes personal impact, to include controlling one’s feelings and reactions. Deals effectively with others in both favorable and unfavorable situations regardless of status of position. Accepts interpersonal and cultural diversity. Team Skill Establishes effective working relationships among team members. Participates in solving problems and making decisions. Communications Presents and expresses ideas and information clearly and concisely in a manner appropriate to the audience, whether oral or written. Actively listens to what others are saying to achieve understanding. Shares information with others and facilitates the open exchange of ideas and information. Is open, honest, and straightforward with others. Planning and Organizing Establishes courses of action for self to accomplish specific goals [e.g., establishes action plans]. Identifies need, arranges for, and obtains resources needed to accomplish own goals and objectives. Develops and uses tracking systems for monitoring own work progress. Effectively uses resources such as time and information. Organizational Knowledge and Competence Acquires accurate information concerning the agency components, the mission[s] of each relevant organizational unit, and the principal programs in the agency. Interprets and utilizes information about the formal and informal organization, including the organizational structure, functioning, and relationships among units. Correctly identifies and draws upon source[s] of information for support. Problem Solving and Analytical Ability Identifies existing and potential problems/issues. Obtains relevant information about the problem/issue, including recognizing whether or not more information is needed. Objectively evaluates relevant information about the problem/issue. Identifies the specific cause of the problem/issue. Develops recommendations, develops and evaluates alternative course of action, selects courses of action, and follows up. Judgment Makes well reasoned and timely decisions based on careful, objective review and informed analysis of available considerations and factors. Supports decisions or recommendations with accurate information or reasoning. Direction and Motivation Sets a good example of how to do the job; demonstrates personal integrity, responsibility, and accountability. Provides advice and assistance to help others accomplish their work. Directs/motivates self. Decisiveness Identifies when immediate action is needed, is willing to make decisions, render judgments, and take action. Accepts responsibility for the decision, including sustaining effort in spite of obstacles. Self-Development Accurately evaluates own performance and identifies skills and abilities as  targets of training and development activities related to current and future job requirements. Analyzes present career status. Sets goals [short and/or long term]. Identifies available resources and methods for self-improvement. Sets realistic time frames for goals and follows up. Flexibility Modifies own behavior and work activities in response to new information, changing conditions, or unexpected obstacles. Views issues/problems from different perspectives. Considers a wide range of alternatives, including innovative or creative approaches. Strives to take actions that are acceptable to others having differing views. Leadership Ability to make right decisions based on perceptive and analytical processes. Practices good judgment in gray areas. Acts decisively. KSA Definitions {General Supervisory/Manager Competencies} Problem Solving and Analytical Ability Identifies existing and potential problems; notes, understands, and includes the critical elements of problem situations; obtains and evaluates relevant information; demonstrates awareness that new and/or additional information sources are required; notes interrelationships among elements; identifies possible causes of the problems; recognizes the need to shift to an alternative course of action including innovative or creative approaches; and appropriately terminates information collection and evaluation activities. Planning and Organizing Identifies requirements; allocates, and effectively uses information, personnel, time, and other resources necessary for mission accomplishment; establishes appropriate courses of action for self and/or others to accomplish specific goals; develops evaluation criteria and tracking systems for monitoring goal progress and accomplishment; and specifies objectives, schedules, and priorities. Decisiveness Makes decisions, renders judgments, and takes action on difficult or unpleasant tasks in a timely fashion, to include the appropriate communication of both negative and positive information and decisions. Judgment Develops and evaluates alternative courses of action; makes decisions based on correct assumptions concerning resources and guidelines; supports decisions or recommendations with data or reasoning; defines and implements solutions to problems; and recognizes when no action is required. Communication Skill Presents and expresses ideas and information effectively and concisely in an oral and/or written mode; listens to and comprehends what others are saying; shares information with others and facilitates the open exchange of ideas and information; is open, honest, and straightforward with others; provides a complete and timely explanation of issues and decisions in a manner appropriate for the audience; and presents information and material in a manner that gains the agreement of others. Interpersonal Skill Is aware of, responds to, and considers the needs, feelings, and capabilities of others; deals effectively with others in favorable and unfavorable situations regardless of their status or position; accepts interpersonal and cultural differences; manages conflict/confrontations/ disagreements in a positive manner that minimizes personal impact, to include controlling one’s own feelings and reactions; and provides appropriate support to others. Direction and Motivation Motivates and provides direction in the activities of others to accomplish goals; gains the respect and confidence of others; appropriately assigns work and authority to others in the accomplishment of goals; provides advice and assistance as required. Supervisory role Performance Displays knowledge of the roles, responsibilities, and duties of supervisors and managers; accurately assesses the impact upon others of role performance; and supports and promotes organizational decisions, policies, programs, and initiatives such as EEO and Affirmative Action. Specialty Competence Understands and appropriately applies procedures, requirements, regulations, and policies; maintains credibility with others on specialty matters; uses appropriate procedures or systems in the operation and/or staff environment as the position requires. Organizational Knowledge Demonstrates knowledge of the department’s or agency’s organizational components, the mission[s] of each relevant organizational unit, and the principal programs in the organization. Leadership Establishes work standards and expectations for self and others. Appropriately assigns/delegates work and authority to others in the accomplishment of goals. Keeps goals and objectives in sight at all times, monitors progress toward goals, and works to overcome barriers and obstacles. Provides coaching, advice, and assistance as required; e.g., helps subordinates overcome obstacles and deal with problems. Appropriately assesses contributions and p performance of employees; provides appropriate recognition, and deals with problems as they arise. Instills in others a sense of pride in the job at hand. Executive Core Competencies [ECC] ECC #1Leading Change ECC #2Leading People ECC #3Results Driven ECC #4Business Acumen ECC #5Building Coalitions/Communications ECC #1 Leading Change This core qualification encompasses the ability to develop and implement an organizational vision which integrates key national and program goals, priorities, values, and other factors. Inherent to it is the ability to balance change and continuity – to continually strive to improve customer service and program performance within the basic government framework, to create a work environment that encourages creative thinking, and to maintain focus, intensity and persistence, even under adversity. Key Characteristics: 1. Exercising leadership and motivating managers to incorporate vision, strategic planning, and elements of quality management into the full range of the organization’s activities; encouraging creative thinking and innovation; influencing others toward a spirit of service; designing and implementing new or cutting edge programs/processes. 2. Identifying and integrating key issues affecting the organization, including political, economic, social, technological, and administrative factors. 3. Understanding the roles and relationships of the components of the state or regional policy making and implementation process, including the Governor, legislature, the judiciary, local governments, and interest groups; and formulating effective strategies to balance those interests consistent with the business of the organization. 4. Being open to change and new information; tolerating ambiguity; adapting behavior and work methods in response to new information, changing conditions, or unexpected obstacles; adjusting rapidly to new situations warranting attention and resolution. 5. Dealing effectively with pressure; maintaining focus and intensity and remaining persistent, even under adversity; recovering quickly from setbacks. 6. Displaying a high level of initiative, effort, and commitment to public service; being proactive and achievement-oriented; being self-motivated; pursuing self-development; seeking feedback from others and opportunities to master new knowledge. Leadership Competencies Creativity and Innovation – Develops new insights into situations and applies innovative solutions to make organizational improvements; creates a work environment that encourages creative thinking and innovation; designs and implements new or cutting-edge programs/processes. Resilience – Deals effectively with pressure; maintains focus and intensity and remains optimistic and persistent, even under adversity. Recovers quickly from setbacks. Effectively balances personal life and work. Continual Learning – Grasps the essence of new information; masters new technical and business knowledge; recognizes own strengths and weaknesses; pursues self-development; seeks feedback from others and opportunities to master new knowledge. Service Motivation – Creates and sustains an organizational culture which encourages others to provide the quality of service essential to high performance. Enables others to acquire the tools and support they need to perform well. Shows a commitment to public service. Influence others toward a spirit of service and meaningful contributions to mission accomplishment. External Awareness – Identifies and keeps up to date on key national and international policies and economic, political, and social trends that affect the organization. Understands near-term and long-range plans and determines how best to be positioned to achieve a competitive business advantage. Strategic Thinking – Formulates effective strategies consistent with the business and competitive strategy of the organization. Examines policy issues and strategic planning with a long-term perspective. Determines objectives and sets priorities; anticipates potential threats or opportunities. Flexibility – Is open to change and new information; adapts behavior and wok methods in response to new information, changing conditions, or unexpected obstacles. Adjust rapidly to new situations warranting attention and resolution. Vision – Takes a long-term view and acts as a catalyst for organizational change; builds a shared vision with others. Influences others to translate vision into action. ECC #2 Leading People This core competency involves the ability to design and implement strategies which maximize employee potential and foster high ethical standards in meeting the organization’s vision, mission, and goals. Key Characteristics: 1. Providing leadership in setting the workforce’s expected performance levels commensurate with the organization’s strategic objectives; inspiring, motivating, and guiding others toward total accomplishment; empowering people by sharing power and authority. 2. Promoting quality through effective use of the organization’s performance management system [e.g., establishing performance standards, appraising staff accomplishments using the developed standards, and taking action to reward, counsel, or remove employees, as appropriate]. 3. Valuing cultural diversity and other differences; fostering an environment where people who are culturally diverse can work together cooperatively and effectively in achieving organizational goals. 4. Assessing employees’ unique developmental needs and providing developmental opportunities which maximize employees’ capabilities and contribute to the achievement of organizational goals; developing leadership in others through coaching and mentoring. 5. Fostering commitment, team spirit, pride, trust, and group identity; taking steps to prevent situations what could result in unpleasant confrontations. 6. R3solving conflicts in a positive and constructive manner; this includes promoting labor/management partnerships and dealing effectively with employee relations matters, attending to morale and organizational climate issues, handling administrative, labor management, and EEO issues, and taking disciplinary actions when others means have not been successful. Leadership Competencies Conflict Management – Identifies and takes steps to prevent potential situations that could result in unpleasant confrontations. Manages and resolves conflicts and disagreements in a positive and constructive manner to minimize negative impact. Integrity/Honesty – Instills mutual trust and confidence; creates a culture that fosters high standards of ethics; behaves in a fair and ethical manner toward others, and demonstrates a sense of corporate responsibility and commitment to public service. Cultural Aw3areness – Initiates and manages cultural change within the organization to impact organizational effectiveness. Values cultural diversity and other individual differences in the workforce. Ensures that the organization builds on these differences and that employees are treated in a fair and equitable manner. Team Building – Inspires, motivates, and guides others toward goal accomplishments. Consistently develops and sustains cooperative working relationships. Encourages and facilitates cooperation within the organization and with customer groups; fosters commitment, team spirit, pride, trust. Develops leadership in others through coaching, mentoring, rewarding, and guiding employees. ECC #3 Results Driven This core competency stresses accountability and continuous improvement. It includes the ability to make timely and effective decisions and produce results through strategic planning and the implementation and evaluation of programs and policies. Key Characteristics: 1. Understanding and appropriately applying procedures, requirements, regulations, and policies related to specialized expertise; understanding linkages between administrative competencies and mission needs; keeping current on issues, practices, and procedures in technical areas. 2. Stressing results by formulating strategic program plans which assess policy/program feasibility and include realistic short and long-term goals and objectives. 3. Exercising good judgment in structuring and organizing work an setting priorities; balancing the interests of clients and readily readjusting priorities to respond to customer demands. 4. Anticipating and identifying, diagnosing, and consulting on potential or actual problem areas relating to program implementation and goal achievement; selecting from alternative courses of corrective action, and taking action from developed contingency plans. 5. Setting program standards; holding self and others accountable for achieving these standards; acting decisively to modify them to promote customer service and/or quality of programs and policies. 6. Identifying opportunities to develop and market new products and services with or outside of the organization; taking risks to pursue a recognized benefit or advantage. Leadership competencies Accountability Assures that effective controls are developed and maintained to ensure the integrity of the organization. Holds self and others accountable for rules and responsibilities. Can be relied upon to ensure that projects within areas of specific responsibility are completed in a timely manner and within budget. Monitors and evaluates plans; focuses on results and measuring attainment of outcomes. Entrepreneurship – Identifies opportunities to develop and market new products and services within or outside of the organization. Is willing to take risks; initiates actions that involve a deliberate risk to achieve a recognized benefit or advantage. Customer Service – Balancing interests of a variety of clients; readily readjust priorities to respond to pressing and changing client demands. Anticipates and meets the need of clients; achieves quality end-products; is committed to continuous improvement of services. Problem Solving – Identifies and analyzes problems; distinguishes between relevant and irrelevant information to make logical decisions; provides solutions to individual and organizational problems. Decisiveness – Exercises good judgment by making sound and well-informed decision; perceives the impact and implications of decisions; makes effective and timely decisions, even when data is limited or solutions produce unpleasant consequences; is proactive and achievement oriented. Technical Credibility – Understands and appropriately applies procedures, requirements, regulations, and policies related to specialized expertise. Is able to make sound hiring and capital resource decisions and to address training and development needs. Understand linkages between administrative competencies and mission needs. ECC #4 Business Acumen This core competency involves the ability to acquire and administer human, financial, material, and information resources in a manner which instills public trust and accomplishes the organization’s mission, and to use new technology to enhance decision making. Key Characteristics 1. Assessing current and future staffing needs based on organizational goals and budget realities. Applying sound human resource principles to develop, select, and manage a diverse workforce. 2. Overseeing the allocation of financial resources; identifying cost-effective approaches; establishing and assuring the use of internal controls for financial systems. 3. Managing the budgetary process, including preparing and justifying a budget and operating the budget under organizational and legislative procedures; understanding the marketing expertise necessary to ensure appropriate funding levels. 4. Overseeing procurement and contracting procedures and processes. 5. Integrating and coordinating logistical operations. 6. Ensuring the efficient and cost-effective development and utilization of management information systems and other technological resources that meet the organization’s needs; understanding the impact of technological changes on the organization. Leadership Competencies Financial Management – Demonstrates broad understanding of principles of financial management and marketing expertise necessary to ensure appropriate funding levels. Prepares, justifies, and/or administers the budget for the program area; uses cost-benefit thinking to set priorities; monitors expenditures in support of programs and policies, Identifies cost-effective approaches. Manages procurement and contracting. Technological Management – Uses efficient and cost-effective approaches to integrate technology into the workplace and improve program effectiveness. Develops strategies using new technology to enhance decision making. Understands the impact of technological changes on the organization. Human Resource Management – Assesses current and future staffing needs based on organizational goals and budget realities. Using merit principles, ensure staff are appropriately selected, developed, utilized, appraised, and rewarded; takes corrective action. ECC #5 Building Coalitions/Communication This core competency involves the ability to explain, advocate and express facts and ideas in a convincing manner, and negotiate wit5h individuals and groups internally and externally. It also involves the ability to develop an expansive professional network with other organizations, and to identify the internal and external politics that impact the work of the organization. Key Characteristics 1. Representing and speaking for the organizational unit and its work [e.g., presenting, explaining, selling, defining, and negotiating] to those within and outside the office [e.g., agency heads and other government executives; corporate executives; Department of Administrative Services budget officials; legislative members and staff; the media; governor’s office; clientele and professional groups]; making clear and convincing oral presentations to individuals and groups; listening effectively and clarifying information; facilitating an open exchange of ideas. 2. Establishing and maintaining working relationships with internal organizational units [e.g., other program areas and staff support functions]; approaching each problem situation with a clear perception of organizational and political reality; using contacts to build and strengthen internal support bases; getting understanding and support from higher level management. 3. Developing and enhancing alliances with external groups [e.g., other agencies or firms, state and local governments, legislature, and clientele groups]; engaging in cross-functional activities; finding common ground with a widening range of stakeholders. 4. Working in groups and teams; conducting briefings and othe45r meetings; gaining cooperation from others to obtain information and accomplish goals; facilitating â€Å"win-win† situations. 5. Considering and responding appropriately to the needs, feelings, and capabilities of different people in different situations is tactful and treats others with respect. 6. Seeing that reports, memoranda, and other documents reflect the position and work of the organization in a clear, convincing, and organized manner. Leadership Competencies Influencing/Negotiating – Persuades others; builds consensus through give and take; gains cooperation from others to obtain information and accomplish goals; facilitates â€Å"win-win† situations. Partnering – Develops networks and builds alliances, engages in cross-functional activities; collaborates across boundaries, and finds common ground with a widening range of stakeholders. Utilizes contacts to build and strengthen internal support bases. Interpersonal Skills – Considers and responds appropriately to the needs, feelings, and capabilities of different people in different situations; is tactful, compassionate and sensitive, and treats others with respect. Political Savvy – Identifies the internal and external politics that impact the work of the organization. Approaches each problem situation with a clear perception of organizational and political reality; recognizes the impact of alternative courses of action. Oral Communication – Makes clear and convincing oral presentations to individuals or groups; listens effectively and clarifies information as needed; facilitates an open exchange of ideas and fosters an atmosphere of open communication. Written Communication – Expresses facts and ideas in writing in a clear, convincing and organized manner.

Failed Anticorruption Mechanisms In The Philippines

Failed Anticorruption Mechanisms In The Philippines Corruption has been universally characterized as the misuse or the abuse of public office for private gain. Its manifestations come in different forms such as illegal enticements and pay-offs, extortion, fraud, nepotism, graft, speed money, pilferage, theft, and embezzlement, falsification of records, kickbacks, influence peddling and campaign contributions. Although corruption is known to be an attribute of the public sector, it also exists in other facets of governance, like political parties, private business sector and NGOs (USAID, 2005; World Bank, 2001). Combating corruption is, evidently, important in its own right because when it is left unimpeded, it will have an acerbic effect on a democracy and in the general well being of a nation. Similarly, fighting corruption can serve as a switch or a tool resulting in wide-ranging economic reforms that can create a level playing field on which businesses operate. These supplementary gains can become significant components in the effort to marshal support for anti-corruption initiatives. Basically, corruption is predominantly an issue of governance; it manifests a breakdown of institutions, a dearth of competence and a lack of capability to direct society and manage its people through a framework of social, judicial, political and economic checks and balances. When formal structures and informal systems go kaput, it becomes tougher and more difficult to put into practice and put into effect laws and policies that guarantee accountability and transparency. From an institutional perspective, corruption crops up when public officials have extensive influence and ubiquitous power, little accountability and vicious inducements, or when their accountability responds to informal rather than formal forms of regulation (UNDP, 2004, p. 2). Attempts to assail corruption have grown exponentially in the last decades. High-profile cases of corruption in developing countries and emerging economies, within international organizations, and in the advanced industrial democracies have resulted to a growing public demand to attack the problem forcefully and with conviction. Addressing the Issue One could never get to the bottom of corruption by simply digging over and dig out corrupt individuals, whether they are government officials, politicians, or business people. As it is, corruption prospers in environments where legal structures are vague, the rule of law is not deeply entrenched within cultural standards and where laws and the judiciary allow employees chances to exercise or wield unrestricted authority and unlimited power throughout various levels of government. As economies embark on liberalization, corruption can surface within the very process of change. Example, privatization is a major strategy constituent in the conversion of a government-dominated economy into one driven by private initiative. However, this changeover process can alter public officials when it is merged with a blend of low government wages and economic stagnation. Clearly, it is futile to get rid of leaders for governing a corrupt system if there are no changes made into that system; simply e ducating government leaders would not be sufficient (Sullivan, 2000, pp. 3-9). In the Philippines, extensive corruption continues rage. According to the international corruption perception index, the Philippines is one of the most dishonest countries in the Asia-Pacific Region; it ranked number 126 from a list of 163 countries (Transparency International, 2006). Distribution of resources does not have transparency and many civil groups are kept out from taking part in the process of drafting and consolidating the national budget. Corruption devours a substantial proportion of government projects, with pay-offs and bureaucratic red tape being unconcealed predicament. Similarly, there still exist countless problems in the bidding processes for government projects. As it is, frail mechanisms for transparency and answerability promote bureaucratic corruption and as can be observed, institutions given the task to investigate and resolve corruption-related cases, like the Office of the Ombudsman and the Special Graft and Corruption Court or the Sandiganbayan, have sh own to lack efficiency and transparency. There have also been a number of scandals involving top government officials, a good example of which is the bribery case involving a China-based telecommunication firm (ZTE Corporation) and high-ranking government officials which further stained government integrity (BTI, 2009, p. 21). Institutions to Abolish Corruption The creation and maintenance of institutions purposely dedicated to the eradication of corruption is essential for the preservation of the rule of law as well as democratic institutions within countries. In Asia, institutions that are distinctively committed to the abolition of corruption are found in most countries of the region; however, the framework for which they base their operations has not been designed to attain their apparent purpose. Majority of the agencies have extremely restricted powers and work on diminutive budgetary allotments. These agencies frequently produce the idea of the existence of initiatives for the purging of corruption but in reality these are only shallow schemes as evidenced by the lack, and most of the times, total absence of genuine political will to produce effectual institutions that would eradicate corruption. In effect, with the absence of political will, only allegorical pronouncements are made about the purging of corruption while ruling regime s in fact want to continue with the corrupt practices intrinsic within the system. Basically, the desire of people and the will to effect change (who are the victims of corrupt practices) is strong, but unless people who have this so-called will to change can articulate such will in a vigorous manner and are prepared to topple down political leaders who wish to carry on with fraudulent practices, change for the better can never take place. Institutions purposely intended to eliminate corruption should have the following attributes (ALRC, 2010, pp. 10-11): Autonomy of mandate, powers and appointments- not solely for people who are at the helm but also for all workers giving administrative support; personnel must be given security of tenure if their independence in implementing constitutional functions is to be a reality, by creating stipulation in significant legislation that they are not likely to be removed from office other than for transgression and lack of decorum. In addition, constitutional safeguards are needed to make sure of the trustworthiness of the individuals signed up to hold public positions in these institutions, as well as to check their morality is intact. Sufficient budgetary allocations to perform researches and inquiries, hearings, deterrence efforts, education and trainings and all other related tasks necessary to attain effectiveness. A competent law enforcement component to fight corruption must incorporate an investigation wing with adequate training and resources. Accessibility for people to air out grievances through diverse methods and must have other divisions throughout the country. Accountability to parliament and responsibility through appropriate methods that have been crafted to thwart intrusions by the executive or any other branch of government. Designed within the scaffold of the rule of law and the UN Convention against Corruption Vigorous and credible programs and mechanisms are vital to combat corruption in the Philippines for three reasons: Through the media, business surveys and anti-corruption agencies, the Philippines is cited with increasing regularity as a nation where foreign and domestic investments are hampered because of corruption and whose competitive position is eroded because of its continued existence. Corruption incontrovertibly depletes existing resources for development, obstructs the right of entry to services for poor communities and destabilizes public confidence in the governments resolve and capability to serve the underprivileged. Corruption has surfaced as a critical global measure for allocating scarce development aid reserves. Strategies and Mechanisms Against Corruption The Philippines fight against corruption has lingered for decades. In this country, corruption is the offshoot of a culture of personalism in politics, a Presidential structure which gives the President an extensive range of powers and a fragile party-system incompetent in securing support through programmatic politics. Such arrangement places public policy-making in the hands of specific factions or elite circles that promote horse trading and spin fraudulent transaction within the system. It has led to institutionalization of corruption as it filters through all of the political system including official procedures and individual agencies (Balboa and Medalla, 2006, p. 12; Rocamora, 1997). A good number of self-regulating entities and activist groups have embarked on investigations and inquiries on Philippine corruption, with a common objective of upholding good governance, accountability and to aid in anti-corruption efforts (Pacoy, 2008, p. 55). However, several studies have revealed that it is not by chance why most government initiatives have been proven to be unsatisfactory and even fail in its attempts to fight corruption (Larmour and Wolanin, 2001). Quite a lot of factors pave the way and enable the culture of corruption to pervade which include the governance environment and lack of political within frail institutions (Varela, 1996). Among the most intense end results of corruption are: a) societal displacement triggered by warped economic growth, poverty and income inequity; b) crushed political trustworthiness and reliability and deflated bureaucracy; and c) jeopardized public order and safety (Larmour and Wolanin, 2001). Figure 1 Number of Anti-Corruption Programs Source: Hills Governance Center. TI-Philippines (2001), Directory of Institutions, Organizations Agencies Involved in Combating Corruption in the Philippines. Diverse initiatives have been carried out to combat corruption in the country. On the government side, these intercessions have been in the form of legal scaffolds, presidential pronouncements, proclamations and other regulations, anti-graft and corruption bodies like presidential committees, commissions, task forces and other committees and units created since the 1950s. In the 1987 Philippine Constitution, the legal framework against corruption has been provided in Article XI Section 1 which stipulates that, Public office is a public trust. Public officers and employees, must at all times, be accountable to the people, serve them with utmost responsibility, integrity, loyalty, and efficiency; act with patriotism and justice, and lead modest lives. The abovementioned article equally affords an anti-graft court and an Ombudsman (Section 5). The anti-graft court is called the Sandiganbayan and the Office of the Ombdusman is also known as the Tanodbayan. The latter has the rank equivalent to that of a Constitutional Commission. Almost each regime has a flagship committee created to respond to corruption issues and address corruption-related cases in the country (Appendix-1). However, many of them, except for the Presidential Commission against Graft and Corruption (PCAGC) that was instituted in 1994, were short lived and were substituted by a new office or task force when the term of office of the Presidents end. Fundamentally, the Philippines is not lacking in efforts in curtailing corruption. Anti-corruption policies and measures have been put in place to tackle diverse types of corrupt activities and conduct in the government. In truth, observation has been made that there are just too many laws and regulatory mechanisms and they ended up overlapping with each other. However, if just a few of them will be implemented thoroughly, these laws are adequate and wide-ranging enough to put off fraudulent practices. Almost all government administrations designed anti-corruption efforts its catchphrases and in the same way created new offices to perform these undertakings in order to produce the impression that the new administration is strict and uncompromising in its anti-corruption initiatives. However, creation of such bodies only led to superfluous functions and depletion of government resources. While the Philippines has adequately fashioned the legal scaffold to respond to the issue and address its concomitant problems and correspondingly created the institutions tasked to combat corruption, perceptibly, effective implementation of these initiatives has been truly lacking. Absence of a steadfast leadership and political will has made vulnerable these efforts to curtail corruption. It appears that crooked politicians and government officials seemed to be very creative in their methods of circumventing the safeguards that have been in place and get away with it. Hence, it becomes imperative that policies targeted at thwarting acts of corruption and curtailing opportunities for corrupt activities must be at the core of every reform initiative. Weaknesses Failure Current initiatives/mechanisms to combat corruption practices and catch fraudulent officials have several limitations that eventually lead to their failure. Among these weaknesses are: à ¢Ã¢â€š ¬Ã‚ ¢ Ineffectual and sluggish implementation of anti-corruption laws à ¢Ã¢â€š ¬Ã‚ ¢ Incapability and poor coordination between anti-corruption agencies à ¢Ã¢â€š ¬Ã‚ ¢ The low social awareness of and high tolerance for corruption à ¢Ã¢â€š ¬Ã‚ ¢ Lack of institutionalization of government-business-civil society collaboration à ¢Ã¢â€š ¬Ã‚ ¢ Lack of integrity and accountability in government-business transactions. In addition, most anti-corruption campaigns are hampered by logistical problems. The Office of the Ombudsman, the lead government body directed by the Philippine Constitution to combat corruption, only gets 0.065% of the total national budget. These logistical problems avert the hiring of competent staff to help guarantee the prompt and successful prosecution of corrupt public officials. On top of this issue on logistics, prosecution of public officials in the Philippines has not been very effective in putting off corruption because court procedures are so sluggish and wearisome. Currently, the prosecution of corrupt public officials is exemplified by a very low conviction rate, in fact, according to a former Ombudsman official, a high-ranking government official accused of graft and corruption has 94% chances of walking away (Marcelo, 2006, p. 37). In theory, the governments high-status lifestyle check is an excellent anti-corruption program, in practice, however, it has not been very efficient in unearthing irregularities and unlawful activities committed by many top-level officials. To this point, it has not been able to push many organizational insiders to report and provide evidence on the dubious standards of living and questionable sources of wealth of many public bureaucrats. The most important weaknesses of existing anti-corruption initiatives can be traced to derisory systems of putting into effect the code of transparency and accountability of those who hold public power. As it is, government dealings are still veiled in mystery, which increases the probability of abuse or misuse of power for personal gain. These anti-corruption initiatives also depend greatly on mechanisms or instruments external to the agencies being observed. To address these weaknesses in existing anti-corruption strategies, organizational insiders or people with reliable information must be persuaded to report shady practices that principally transpire in organizational settings. Prompting the silent majority to report corrupt practices will generate alternative cultures or behavior that will in due course eliminate individual and societal leniency for corruption. Strengthening Anti-Corruption Initiatives In the Medium Term Philippine Development Plan (NEDA, 2004), the national government comes clean with the fact that corruption is a key obstruction to continued growth and development of the country and acknowledges that existing anti-corruption initiatives that include legislative actions and administrative measures to improve transparency and effectiveness of sanctions against corrupt behavior, have fallen short of expectations. The Office of the Ombudsman, the constitutional body tasked to curtail, if not totally eliminate, corruption, principally applies punitive and retributive procedures to in its anti-corruption approach. It also supports the employment of forceful imposition of administrative sanctions, swift investigations and prosecution of graft cases and responsive public assistance as instruments to fight corruption. Concentrated graft watch over the system of government, values formation, collaboration with other government agencies, and enhancements in systems and procedures are the other constituents of its anti-corruption strategy. However, taken as a whole, the existing anti-corruption initiatives, which include the then high-profile lifestyle checks of public officials and employees, continue to perform below expectations (MTPDP, 2004). Conclusion Corruption is actually a governance issue because it involves efficient implementation of institutions and the well-organized and competent management of society via its political, economic, social and judicial mechanisms. With the collapse or failure of these formal and informal institutions, laws and policies that guarantee accountability and transparency of the government become harder to put into operation. It can be gleaned then that ruling groups, at their will, can lessen accountability, either by lack of transparency or by affirming particular spheres of decision making off limits to inspection and intercession. Therefore, it is imperative that mechanisms aiming to reduce and curtain opportunities to dominate power are in place so that actions and activities that could undercut accountability are instantaneously forestalled and obstructed. Ex-ante or preventive strategies should also be the core element of reform. Furthermore, since this issue is associated with the quality of leaders the country has, it is important that the anti-corruption endeavor is focused on political reform and democratization. In the Philippines, one of the root causes of corruption is tremendous personalism in Philippine politics and the winner takes all system of elections. Policies that will neutralize this structure must be endorsed. Likewise, the anti-corruption approach must be highlighted by a committed leadership and proficient management to enable the execution of programs and make these programs and initiatives sustainable in the long run. Additionally, continued reengineering of the bureaucracy is also a great necessity, with reforms centered not only on attaining effectiveness and value, but also inculcating a culture of rules in the system. Lesson can be learned from Thai anti-corruption activist Pasuk Phongpaichit in curbing corruption. According to this activist, the control of corruption demands three strategies first, the formal machinery of monitoring officials and politicians needs to be drastically improved. There is a need for political will to implement this; second, this will can be generated by popular pressure. We cannot expect the bureaucrats and politicians who benefit from the political system to reform themselves; and third, the public must be educated to exert moral and political pressure to outlaw corruption. The mobilization of such public pressure depends on a clearer understanding of the modern concepts of public office and public service and a more widespread awareness of the social costs and political risks which corruption entails. Six years (after 2001) since Transparency International accentuated the principal role of government in anti-corruption initiatives and governance reforms, the same call for action is perceived by civil servants today and is slowly but surely pervading the consciousness of Filipino constituents leading to the implacable demand for civil service reforms, financial competence and authentic civil society participation. Since fighting corruption is everyones concern, forceful and potent crusades are needed aside from passionate advocacy. The initiatives to diminish hoaxes and corruption in the government service no longer sound as idealistic or impossible as they were decades ago as the Filipino youth and the masses are fully conscious to the bleak reality that as long as corruption is left uncheck, integrity in politics and in the civil service will remain tainted and while politics is tarnished with issues on procurement and fiscal integrity, the civil service is perceived to have been constrained with public service delivery. Moral profligacy is extensive because even those with the highest righteous objectives are influenced to part with their morals into the politics of corruption. The fight against corruption should be more focused on state capture instead of defining it as an agency problem. Right now the battleground should be shifted from small wars (principal-agent problem) to a grand war (grand corruption, state capture). The challenge lies in the evolution of strategies that are more creative and rigorous and because the challenges are greater the more energy is needed. Due to the fact that the Philippines are a soft state, the country only has few resources to do the battle. Therefore it makes sense to concentrate resources on strategies that would make a big difference and provide the impetus for changes along a broad front. Said in other words this would mean to do a lot for little instead of doing a little for a lot. Also, a shift should take place from personal (patronage) to impersonal exchange (rules that are enforced impartially). The country should come up with mechanism to develop constructs in which there are favorable incentives to impersonal transactions. Concluding one could argue that a good starting point is to devolve the power of discretion related through state capture, and to effectively reduce it by ensuring that big ticket items are out of reach of the few big payers who hold concentrated authority. The danger of course lies in the fact that this could lead to a decentralization of corruption. However, this would at least deal with a greater numbers of rent seekers which would restrict any one faction to a limited domain and prevents it from capturing regulations (Gonzalez et al., 2006, pp.41-42). Another matter of significance is that an enabling environment should must be created with incentives and disincentives for change because this is a critical factor in the choice and stepwise implementation of reform initiatives. And so as to obtain more insight into the problem of state capture, the political culture must be explored well to see how it works. Undertakings that are executed must be made sustainable because standalone endeavors are prone to be susceptible to state capture. Likewise, in order to prevent that new initiatives are blocked by inefficiencies at other levels, it is important that they transform into more comprehensive programs. Therefore, it is imperative that while helpful windows of opportunity may crop up, there is a need to focus on the long-term character of reform and to deal with existing expectations. To do this, actions that need to be embarked upon must be commenced with the necessary budget resources as well as capable and skillful manager to impl ement the targeted and programmatic anti-corruption campaign. This is the part where civil society can play a vital role in the process because business associations and NGOs can help identify and classify priorities and monitor outcomes. However, they cannot deploy the political will and resources of the state that are needed in the end to create transparent and accountable institutions. Serious anti-corruption campaigns cannot only be commanded from the outside but also need committed leadership from within, more specifically from the topmost levels of the state. While the initial pressure for reform can come from below, any effective program should be supported from the top. However, the downside is that any strategy that relies solely on high-level leadership will be vulnerable to the many uncertainties related to the political process. A convergence of strong players would make for a breakthrough performance against corruption. If leadership is broadly-based, this can make the difference in devising means for sustaining ends. Broadening the number of stakeholders in various sectors and support their partaking in decision-making can end policy biases while the decisions are made in all transparency, open to the scrutiny of the public. There is Hope If corruption is assumed to arise from greed and the discretionary powers of public officials, there is still fresh and enough hope for offering a vision of leadership and a strategic reform of the political and bureaucratic system; and that of the peoples mind-set concerning public office and public service. Let this be the battle cry of every Filipino. References ALRC. (2010). A consultation on corruption and counter-corruption across Asia. Article 2, 9, 1, pp. 1-80 Balboa, J. and Medalla, E.M. (2006). Anti-corruption and governance: the Philippine experience. Philippine Institute for Development Studies; Philippines APEC Study Center Network Bertelsmann Stiftung. (2009). BTI 2010 Philippines country report. Gutersloh: Bertelsmann Stiftung Gonzalez, T. et al., (2006). Anti-corruption in the Philippines: creating virtuous circles of integrity and accountability. The Development Academy of the Philippines, Centre for Governance Larmour, P. and Wolanin, N. (2001). Corruption and anti-corruption. Asia Pacific Press. Asia Pacific School of Economics and Management Australian Institute of Criminology Marcelo, S. (2006). Combating Corruption in the Philippines. ADB/OECD Anti-Corruption Initiative for Asia and the Pacific. Available:http://www.adb.org/Documents/Books/Controlling Corruption/chapter1.pdf 18 NEDA. (2004). Medium Term Philippine Development Plan (2004-2010). Manila: National Economic Development Authority Pacoy, E. P. (2008). Tracking anti-corruption initiatives: perceptions and experiences in the Philippines, JOAAG, 3, 1, p. 55 Sullivan, J.D. (2000). Anti-Corruption Initiatives from a Business View Point. Center for International Private Enterprise, US Chamber of Commerce USAID. (2005 March 17). Fighting corruption. Retrieved November 25, 2010 from www.usaid.gov/our_work/democracy_and_governance/technical_areas/anti-corruption/ Varela, A. (1996). Administrative culture and political change. College of Public Administration, University of the Philippines World Bank. (2001).Combating corruption in the Philippines: an update. Pasig City: World Bank Fighting Corruption to Improve Governance http://www.undp.org/governance/docsaccount/fighting_corruption_to_improve_governance.pdf UNDP/OECD Integrity Improvement Initiatives in Developing Countries http://magnet.undp.org/Docs/efa/corruption/Corrupti.htm

Ednas Awakening Essay -- essays papers

Edna's Awakening Kate Chopin's "The Awakening" is a work of litature like none other I have read. It is not hard to imagine why this major work of Chopin's was banished for decades not long after its initial publication in 1899. Most of society did not like the fact that "The Awakenings" main character, Edna Pontellier, went against the socially acceptable role of women at that time. At that time in history, women did just what they were expected to do. They were expected to be good daughters, good wives, and good mothers. Edna seemed to fit this mold at first, but eventually as the story develops Edna breaks free from that mold. Edna chose to do what society expected of her, she marries, and leaves her fantasies and dreams in the depths of the shadows. "The acme of bliss, which would have been a marriage with the tragedian, was not for her in this world. As the devoted wife of a man who worshiped her, she felt she would take her place with a certain dignity in the world of reality, closing the portals forever behind her upon the realm of romance and dreams." After marriage, Edna faced the expectations of motherhood and being a devoted mother, after all "if it was not a mother's place to look after children, whose on earth was it?" The outward appearance of Edna's life looked perfect, she was the envy of many women. "And the ladies, selecting with dainty and discriminating fingers and a little greedily, all declared that Mr. Pontellier was the best husband in the world. Mrs. Pontellier was forced to admit she knew of none better." The cover of her life was a picture of a fairy tale, but inside, the pages were filled with the emptiness and the loneliness she was feeling. During that ... ...obert, but he will not because it will disgrace her to leave her husband. Now, the wings that once held such possibilities for her new life were shattered and "a bird with a broken wing was beating the air above, reeling, fluttering, circling, disabled down, down to the water." In the end Edna takes a death walk down to the beach. When she arrives at the shore, she "casts the unpleasant pricking garments from her." This symbolizing the shedding of her "unpleasant" and "pricking" life. She could hear the waves inviting her, and "She felt like a new-born creature, opening its eyes in a familiar world that it had never known." As Edna swims towards eternity she thinks of many things. Now the shore was far behind and her strength was gone, not only to swim, but live. Edna underwent an "awakening" and as a result chose the endless sleep of death.

The Success of Micro Finance in Pakistan :: Finance

As found by Hartangi (2007) that success of Micro finance depends upon the practices of that specific bank, which finance poor people, by quoting and example of BRI (Bank Rakyat, Indonesia) researcher says that they provide technical and moral support to the people they lend money, and make sure they do good, they also choose different collaterals like motorcycle, cars, cattle, and land etc to secure their loan yet making collateral stronger incase the client fails to repay and credits interesting for lower class community. Beside this, Risk management, internal audit, financial procedures, transparent system, dedicated staff, and clear incentives to staff and clients are the factors which contribute toward the successful lending of micro finances. Obamuyi (2009) says that poor credit culture and low risk management can result in low rate of return, which finally ends with the failure of the scheme. The risk of low rate of return can also be minimized by the assistance provided by th e MFIs to develop the small business of clients (Zelealem, Temtime, & Shunda, 2003). RESEARCH METHADOLOGY Study type This study is a correlational study in which relation between income level, living standard, access to education, and empowerment due to micro financing in Pakistan is studied. Study setting Study was conducted in natural environment, and no lab settings were used while studying the relationship between income level, empowerment, access to education, and access to health facilities due to MFIs in Pakistan has been studies, which makes this study a non-contrived study. Unit of Analysis Different individuals, who obtained micro finances from Micro financial institutions of Pakistan, were asked to record their responses. Time Horizon Data was collected from individuals who obtained micro finances from MFIs in Pakistan once in one month time period; there will be no further data collection for this study. The collected responses are one shot, which make this study a cross-sectional study. Data This study utilized primary data as well as secondary data. Primary data was gathered from individual who obtained micro finances from MFIs in Pakistan, data was gathered using a prepared research instrument. And secondary data was collected for literature review, from different online research databases. Data Analysis Data was inspected, cleaned, transformed and modeled using SPSS V.17.0 to highlight useful information. Linear Regression was applied as per the requirement of the study to explore the relationship between increase in income, living standard, access to education, and empowerment, due to MFIs in Pakistan. Sampling type A non probability convenience sampling was done, questionnaire were distributed among customers of MFIs who were conveniently available to the researcher.