Hyperthyroidism Research Paper Example | Topics and Well Written Essays - 250 words

Hyperthyroidism - Research Paper Example any causes which incorporate over action of the thyroid organ as in Grave’s malady or because of neoplasias of the thyroid organ which incorporate adenomas and carcinomas. It can likewise happen because of an adenoma in the foremost pituitary which prompts expanded discharge of TSH which brings about overstimulation of the thyroid organ and subsequently expanded arrival of the thyroid hormone. Aggravation of the thyroid organ can likewise bring about hyperthyroidism. Thyroid hormone is basic for the doing of ordinary body procedures and it is a hormone which is significant for the guideline of digestion. In any case, an expansion in the hormone because of the malady can have numerous antagonistic impacts. The basal metabolic pace of the body can build 60 to 100 percent beyond what typical and this can represent the expanded perspiring and diminished resilience to warm. The thyroid hormone invigorates the focal sensory system however expanded amounts can prompt mental issues and anxiety. The muscles become feeble in light of the expanded catabolism of proteins. The expanded amounts lead to an expansion in the GIT motility prompting looseness of the bowels and the expanded digestion is the reason for weight reduction which might be of shifting degrees. The patient encounters. The cardiovascular framework is likewise influenced and expanded pulse and yield is noted. The eyeball is projected and the skin feels hot. Hyperthyroidism is an obsessive condition which influences the thyroid organ itself as well as it disturbs major physiological prepared of the body. Clinical and careful intercession can enable an individual to defeat the vast majority of the indications related with the

Andrew Jackson, Hero or Villain free essay sample

Two gig taxes were passed during 1828 and 1833 which expanded expenses on imported remote products. The South was insulted by the high tax assessment, so they made the Nullification Act that permits states to invalidate the laws that they don't care for. Not long after the subsequent tax was given, they framed a show to develop a military with the possibility of withdrawal. Jackson was goaded to the point that he was happy to utilize all the force he needed to stop it. Luckily he had the option to make an arrangement with the Vice President John Calhoun, who was agreeable to theSouth, to bring down the assessment costs. The South chilled out from severance and things settled down between the North and South. Also, the awful if not malevolent obligations Jackson did during his administration was the constrained expulsion of Native Americans from Georgia toward the west. The territory of Georgia was against the Supreme Court who was not for the evacuation of the Natives. We will compose a custom paper test on Andrew Jackson, Hero or Villain? or on the other hand any comparative subject explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page Despite the fact that the Supreme Court won, Georgia just as Jackson overlooked it and constrained the Natives out of Georgia to the current situation with Oklahoma. Numerous kicked the bucket before they even got there.It was known as the Trail of Tears. The closure of the National Bank framework was the other terrible deed of Jackson. He accepted that it was a restraining infrastructure towards the high society individuals and accordingly declined to re-sanction it. Jackson utilized one of his vetoes, and the Banks congressional supporters needed more votes to abrogate him. The Bank stopped to exist when its sanction lapsed in 1836, however even before that Jackson had debilitated it significantly by pulling back a great many dollars of government reserves. This later brought about adding to the frenzy in 1837.Jackson was not a legend or a reprobate during his administration. He removed the Indians from their country without wanting to and against the Supreme Court and he got free of the national bank causing alarm. In any case, he upheld the laws of the US and prevented the south from severance. Likewise when he became president he made it so not just men that claimed land could cast a ballot, he made it so all men could cast a ballot in the presidential political race. As a result of these reasons I don't think Andrew Jackson was a legend or a lowlife.

The New LinkedIn Recommendations Section What You Should Know

The New LinkedIn Recommendations Section What You Should Know You might have noticed that a few weeks ago, chaos reigned with LinkedIn Recommendations. You could request a recommendation, but the intended recipient did not receive the request. You could accept a recommendation, but you couldn’t ask for a revision â€" and the recommender could not submit a revised LinkedIn recommendation. Yes, this happened to me. All of it. Thankfully, these issues have been resolved with the new LinkedIn Recommendations section â€" well, mostly resolved. My new edition of How to Write a KILLER LinkedIn Profile will have all the updated information that you need. Here are the basics of how LinkedIn Recommendations works now. There’s more in the book! The New LinkedIn Recommendations Interface From anyone’s profile, you will now find the option to request or offer recommendations by clicking on the “More” button, or (depending on your version) on the three dots in the upper right-hand corner of the person’s top information box: If you want the person to recommend you, choose “Request a recommendation” and you’ll be brought to this screen: Or, scroll down to the Recommendations section of your profile and click on the Ask to be Recommended button:   Write a friendly note to the person and ask if she would be willing to write you a recommendation. If you havent been in contact for some time, be delicate. Maybe start with a phone call. And at some point you might want to remind the person of something that will refresh their recollection of your skills and accomplishments. Then ask your recommender to tell a clear, specific story or two about you. Accepting or Revising Recommendations Once you receive a recommendation, you should be notified in your inbox. You can also check your pending recommendations by clicking the link in your Recommendation section: Or visit this direct link: https://www.linkedin.com/recs/received You’ll have the opportunity to accept or dismiss the recommendation. If there is an error or something youd rather that someone say differently, you can ask your recommender to correct it, which I encourage you to do if what they wrote is not exactly the way you want it! Most people are very cooperative when you make a request for a replacement. Unfortunately, LinkedIn eliminated the feature that allowed the recipient to request a replacement recommendation, so if you need a revision, youll have to Dismiss the original recommendation and request a new one. Accompany your request with a copy of the original recommendation and your suggested changes so your recommender does not have to start from scratch. Recommendation Challenges Here are some issues that commonly come up with people seeking LinkedIn Recommendations: 1.  I havent talked to my recommender in 5 years I would be so embarrassed to ask! In this situation, think about how you would respond if the tables were turned. Wouldnt you be happy to hear from someone who did good work for you or who was a great boss or colleague 10 years ago? I say it’s always worth asking if you think they will say something valuable! 2. My recommenders arent on LinkedIn. In this situation, there are at least three options that can address the issue: Invite the person onto LinkedIn. It might be just the nudge your recommender needs to join the millions of LinkedIn users! Attach your recommendation under the relevant job as a link or file. Include the recommendation in the summary or experience section of your profile. 3. My previous company has a policy against recommendations. If your past supervisors are precluded from recommending you due to company policy, you might have hit a dead endâ€"but your coworkers might still be able to write a recommendation; and keep track of those supervisors, as they might move to a new company and be freed up to write a recommendation for you. Pay attention to the daily emails you receive with updates and look for news about potential recommenders! Show or Hide LinkedIn Recommendations You can display the LinkedIn Recommendations you choose at any given time. To show or hide your recommendations, click on the pencil icon: If you do not want to display a recommendation, click the Show slider to change it to Hide and the recommendation will be hidden (see example below). Giving Recommendations I encourage you to recommend people as well as to request recommendations. Here’s how: If you want to recommend Nancy, go to her profile and click “Recommend Nancy.” You’ll be brought to this start box: Tracking Your Recommendations Want a quick run-down of all your received and given recommendations? Scroll down in your profile and here’s what you’ll see: Or, want to see all the recommendation requests people have sent you? Go to https://www.linkedin.com/in/brendabernstein/detail/recommendations/requests/?view=received Looking Good in Your LinkedIn Recommendations Section By accumulating recommendations, you will gain the trust of potential employers, clients, and whomever else you want to impress on LinkedInâ€"trust that can translate into business or into a job. I have had many people choose to work with The Essay Expert based on the strength of the recommendations posted on my LinkedIn profile. Imagine, if you are a business or sales person, having clients come to you already having decided youre the person they want to work with! Recommending people can also get attention from recruiters. It’s a little-known fact that recruiters search on the recommendations you’ve given, not just on the ones you receive! In summary, the strength of your recommendations can get you your next client or your next job. What are you waiting for?

Speaking Fees for Former Presidents - List and Details

Liver Diseases Resulting from Alcohol Essay - 1429 Words

Liver disease resulting from alcohol affects more than two million Americans and is one of the primary causes of illness and death. The liver frees the body of harmful substances, such as alcohol. While the liver breaks down alcohol, it produces toxins that can be even more dangerous than the alcohol consumed (â€Å"Beyond Hangovers: Understanding Alcohols Impact Your Health† 13). â€Å"These by-products damage liver cells, promote inflammation, and weaken the body’s natural defenses. Eventually, these problems can disrupt the body’s metabolism and impair the function of other organs† (â€Å"Beyond Hangovers: Understanding Alcohols Impact Your Health† 13). A condition called steatosis is the result of fat build up in the liver and is the†¦show more content†¦Ã¢â‚¬Å"Each year, acute pancreatitis sends more than 200,000 Americans to the hospital. Many of those who suffer from pancreatic problems are also heavy drinkers† (â€Å"Be yond Hangovers: Understanding Alcohols Impact Your Health† 15). The pancreas is an important organ which aids in digestions and energy conversion. The pancreas directs enzymes to the small intestine to digest nutrients and it also secretes insulin and glucagon. The body’s main source of energy is glucose and insulin allows additional glucose to be stored away in the body properly. Too much alcohol damages cells in the pancreas, causing complications with insulin, leaving the organ open to inflammation. Alcohol causes the pancreas to discharge the enzymes intended for the small intestine back into the pancreas which can lead to inflammation and the swelling of tissues and blood vessels. Pancreatitis is the inflammation which causes the organ to malfunction and if one continues to drink, it can magnify into chronic pancreatitis when the inflammation is constant (â€Å"Beyond Hangovers: Understanding Alcohols Impact Your Health† 15-16). Pancreatitis causing s evere abdominal pain, persistent diarrhea, and is not curable. Sixty-percent of circumstances result from alcohol; although, some have been linked to gallstones (Freeman). The immune system protects the body from harmful germs and bacteria thatShow MoreRelatedAlcoholism Is Not Only A Disease862 Words   |  4 Pages Alcoholism is not only a disease to the alcoholic himself, It also disease to many people including family members. In numerous ways, for instance it appears to cause by the devastating assault of the physiology of the body by repeated episodes of heavy drinking as a result in the competence to feel the alcohol on average. Alcohol normally composition and social pressures may aggravate the disease. 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According to the 2015 National Survey on Drug Use and Health, 15.1 million adults ages eighteen and older had alcohol use disorder. Also according to the 2015 National Survey on Drug Use and Health, an estimated 623,000 adolescents ages between twelve and seventeen had alcohol use disorder. A recent study published in the Archives of GeneralRead MoreDescribe And Explain Ethanol Catabolism Pathways In Humans,1597 Words   |  7 Pages the metabolic effects of excessive alcohol consumption and describe the long-term treatment and prognosis of this disease. 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Communication Structure of Standard Chartered Bank Free Essays

A report submitted to the Department of English in part-fulfillment of the requirements of the Final Examinations in Business Communications, Fall 2008 Prepared and submitted by SUNSHINE Section: c Tazrin Mst. Nazia Zohora Fatema tuz Islam Md. Atikul Miah Abu Kausar Course teacher Professor Faizur Rashed Gullu Date of submission 4 December 2008 North Global University of Dhaka Page 1 of 25 4 December 2008 Prof. We will write a custom essay sample on Communication Structure of Standard Chartered Bank or any similar topic only for you Order Now Faizur Rashed Gullu Course Instructor Business Communication North Global University of Dhaka Subject: Submission of our report Dear sir, We have the pleasure to submit our report titled ‘Communication Structure of Standard Chartered Bank’. This was a good opportunity for us to understand and deal with the problem. The study was aimed at knowing the communication structure of Standard Chartered Bank. If any lacking is found, the organization will be able to improve performance. The study will find a chance to know the system of the organization and its communication system which will increase our knowledge and experience. They have very effective communication system. By removing the communication barriers between higher level managers and lower level managers they can do it better. We once again thank you for giving us the chance to do the report. Yours sincerely, Zohora Fatema tuz 08-10489-1 Tazrin Mst. Nazia 07-08937-2 Islam Md. Atikul 07-09137-2 Miah Abu Kausar 07-08446-2 Page 2 of 25 Preface This report is made based on the communication structure of Standard Chartered Bank. Based on case study of some employees of Standard Chartered Bank, the report was made. This report contains the communication structure of Standard Chartered Bank. It also has some suggestions for the Standard Chartered Bank to make their communication process more effective and to make their organization’s performance better. This report has some concept of communication, the process of communication, communication channel, mass communication, communication barriers, altogether, the concept of organizational communication. And the implications of them in The Standard Chartered Bank that if they are using them properly and what should be done if they are not using them properly Page 3 of 25 Acknowledgement At first, we take the opportunity to thank The Almighty. Then we express our thanks to our department and authorities for granting us such opportunity in this level. We are very pleased to accomplish the assigned task given by our revered course instructor Prof. Faizur Rashed Gullu sir. While completing this report we faced different problems such as shortage of time, information, convincing the employees of the bank etc. But we have been able to overcome the problems with direct and indirect assistance from our course instructor. We are really thankful to him. Above all, we have to thank the people at the bank who provided us with valuable information, gave us their valuable time and helped us in every way possible. Finally, we are pleased to complete the report on the given subject properly and authentically. Page 4 of 25 TABLE OF CONTENTS Forwarding letter Preface Acknowledgement Table of contents List of illustrations Abstract 1. 0 Introduction 1. 1 1. 2 1. 3 1. 4 1. 5 1. 6 1. 7 1. 8 What is communication The process of communication Necessity of communication Barriers of communication Introduction of the organization Objectives Scope Research methodology 1. . 1 Sample 1. 8. 2 Case study 1. 9 Limitations Page no. i ii iii iv v vi 01 01 02 08 08 09 10 11 11 12 13 13 14 14 14 15 16 17 18 19 vii 2. 0 Organization of the report 2. 1 Case studies Case study 1 Case study 2 Case study 3 Findings 2. 2 3. 0 Conclusion 4. 0 Recommendation Bibliography Page 5 of 25 List of illustrations Figure 1. 1 The basic communication process Figure 1. 2 Flow of communications Page-4 Page-6 Page 6 of 25 Abstract The transference and understanding of meaning is communication. No groups can exist without communication: the transference of meaning among its members. It is only through transmitting meaning from one person to another that information that information and ideas can be conveyed. The key parts of the communication process are (1) the sender (2) encoding (3) the channel (4) decoding (5) the receiver (6) feedback. There are three types of communication: upward, downward, lateral. The study was aimed to know the communication structure of Standard Chartered Bank. If any lacking is found, the organization will be able to improve performance. The study will find a chance to know the system of the organization and its communication system which will increase our knowledge and experience. The study has been done with the method case study. The study was done with the help of random sampling. The sample size of the study was 3. Their communication style is very rich. They have very effective communication system. By removing the communication barriers between higher level managers and lower level managers they can do it better. They should enrich their formal communication system. We think that after doing these things they will be improved. Page 7 of 25 1. 0 Chapter 1 : Introduction 1. 1 What is communication? The transference and understanding of meaning is communication. Communication is more than merely imparting meaning. It must also be understood. In a group in which one member speaks only German and another one do not know German, the individual speaking German will not be fully understood. Therefore must include both the transference and understanding of meaning. Research indicates that poor communication is probably the most frequently cited source of interpersonal conflict. Because individuals spend nearly 70 percent of their walking hour’s communicating-writing, reading, speaking, listening-it seems reasonable to conclude that one of the most inhibiting forces to successful group performance is a lack of effective communication. No groups can exist without communication: the transference of meaning among its members. It is only through transmitting meaning from one person to another that information that information and ideas can be conveyed. Communication, however, is more than merely imparting meaning. It must also be understood. In a group in which one member speaks only German and the others do not know German, the individual speaking German will not be fully understood. Therefore, communication must include both the transference and the understanding of meaning. An idea, no matter how great, is useless until it is transmitted and understood by others. Perfect communication, if there were such a thing, would exist when a thought or an idea was transmitted so that the mental picture perceived by the receiver was exactly the same as that envisioned by the sender. Page 8 of 25 Communication serves four major functions within a group or organization: control, motivation, emotional expression, and information. 1. Control member behavior. 2. Foster motivation for what is to be done. 3. Provide a release for emotional expression. 4. Provide information needed to make decisions. . 2 The process of communication Before making too many generalizations concerning communication and problems in communicating effectively, it is needed to know the level of communication and communication process 1. 2. 1 Levels of Communication: †¢ Intrapersonal Top level management mainly takes internal decision, so internal decision depends on them on many sectors â⠂¬ ¢ Interpersonal Middle level managers are sometimes allowed to make some effective organizational decision †¢ Extra personal Communication between human nonhuman being †¢ Organizational In organization higher level employees take decision. In this bank most of the decisions are taken by top level management †¢ Formal Language Those languages which are used inside office. In this bank they usually use to talk one another they simply use brother or sister. †¢ Cross-cultural In a cross-culture there are two divisions high and low context Page 9 of 25 †¢ Mass: Print Media Electronics Media Organizational Website Before communication can take place, a purpose, expressed as a message to be conveyed, is needed. It passes between a sender and a receiver. The message is encoded and passed by a way of some medium to the receiver, who decodes the message initiated by the sender. The result is transference of meaning from one person to another person. The key parts of the communication process are (1) the sender (2) encoding (3) the channel (4) decoding (5) the receiver (6) feedback. The sender initiates a message by encoding a thought. The message is the actual physical product from the senders encoding. When we speak, the speech is the message. When we write, the writing is the message. When we gesture the movement of our arms and the expression of our face are the message. The channel is the medium through which the message travels. It is selected by the sender, who must determine whether to use a formal or informal channel. Formal channel are established by the organization and transmit message that are related to the professional activities of members. Other forms of message, such as personal or social, follow the informal channel in the organization. These informal channels are spontaneous and emerge as a response to individual choices. The receiver is the object to whom the message is directed. But before the message is received, the symbol in it must be translated into a form that can be understood by the receiver. The step is the decoding of the message. Noises represent communication barriers that distort the clarity of the message. Examples of possible noise sources include perceptual problems, information overload, semantic difficulties, or cultural difference. The final link in the communication process is a feedback loop. Feedback is the check on how successful we have been in transferring our message as original intended. It determines whether understanding has been achieved. Page 10 of 25 The communication process model: Figure 1. 1 The basic communication process Communication can flow vertically or laterally. The vertical dimension can be further divided into downward and upward directions. 1. 2. 2 Downward communication Upper level managers are friendly communal to the down level employees. Top level management directly gives any kinds of instruction to the down level manager are called downward communication. Smoothly working down level communication must have needed. Communication that flows from one level of a group or organization to a lower level is a downward communication. When we think of managers communicating with employees, the downward pattern is the one we are usually thinking of. It’s used by group leader and managers to assign goals, providing job instructions, inform employees of policies and procedures, point out problems that need attention and offer feedback about performance. But downward communication does not have to be oral or face to face contact. When management sends letter to their employees home to advise them of the organizations new sick leave policy, it’s using downward communication. Page 11 of 25 From the team leader to the member of her team, reminding them of an upcoming deadline, is also downward communication 1. 2. 3 Upward communication Ground level officers communicate with the mid-level managers. Mid-level manager communicate with their Divisional Directors. Employees can frankly communicate with upper level managers. When communicated with the Upper level all over observing the rules regulation. Upward communication flows to a higher level in the group of organization. It’s used to provide feedback to higher–ups, inform them of progress toward goal and really current problems. Upward communication keeps managers aware of how employees feel about their jobs, coworkers and the organization in general. Managers also rely on upward communication for ideas on how things can be improved. Some organizational examples of upward communication are performance reports prepared by lower level of management for review by middle and top management. Suggestion box, employee attitude surveys, superior – subordinate discussion, and informal ‘gripe’ sessions in which employees have the opportunity to identify and discuss problems with their boss or representative of higher management. 1. 2. 3 Lateral communication Similar level employers also well communicated. Employees freely communicate with colleague’s very casual language, normal behavior. Grapevine is strictly prohibited Political conversation is restricted When communication take place among member of the same work group, among members of work groups at the same level, among managers at the same level or among any horizontally equivalent personal we describe it as lateral communication. Page 12 of 25 Lateral communications are often necessary to save time and facilitate coordination. In some case, these lateral relationships are formally sanctioned. More often they are informally created to a short circuit the vertical hierarchy and expedite action. So lateral communication can from management’s view point, be good or bad. Lateral communication can be beneficial, in such case they occur with the knowledge and support of superiors. 1. 2. 4 Crosswise communication Top level management can communicate directly with the ground level. Monthly performance review meeting. Everybody can communicate with everybody in this organization Figure 1. 2 Flow of communications Communication Channel Communication channel means the way of transmitted any kinds of information about this organization. Page 13 of 25 There are two types of communications: a. b. Internal communication channel External communication channel. †¢ Internal communications are: (a) Oral: Telephone, Intercom, Meeting, Presentation, Face to face, meeting (b) Written: Memo, report, graph, e-mail, letter, notice †¢ External Communications are: (a) Oral: Telephone, intercom, Meeting, Presentation, Face to face meeting, Press Briefing (b) Written: Memo, report, graph, e-mail, letter, notice, invitation, annual report, leaflet 1. 3 Necessity of communication The communication shortcoming of employees and the importance of communication in business explain why one should work to improve communication skills. Whatever position one has in business, performance will be judged largely by his/her ability to communicate. If one can communicate well, he/she is likely to be rewarded with advancement. And higher the advancement, more necessity of communication ability. The evidence is clear; improving communication skills improves chances for success in business. Communication is very much important in business; businesses want and need people with good communication skills. Evidence of the importance of communication in business is found in numerous surveys of executives, recruiters and academicians conducted in recent years. Without exception, these surveys found communication ranking at or near the top of the business skills needed for success. Page 14 of 25 1. 4 Barriers of communication A number of barriers can retard or distort effective communication. Some causes for barriers are, purposely manipulating information for getting more favor, presenting the information based on personal understandings etc. Barriers are 3 types: 1. Intrapersonal 2. Interpersonal 3. Organizational 1. Intrapersonal barriers: Wrong assumptions Varied perceptions Differing background 2. Interpersonal arriers: Limited vocabulary Incongruity of verbal and nonverbal messages Communication selectivity 3. Organizational barriers: Information overload Emotions Language 1. 5 Introduction of the organization Standard Chartered Bank started its business in Bangladesh in 1948, opening its first branch in the port city of Chittagong. The bank increasingly invested in people, technology and premises as its business grew in relation to t he country’s thriving Page 15 of 25 economy. At present the bank has 6 offices in Dhaka Chittagong and Sylhet, including the country’s only offshore banking unit inside the Dhaka Export Processing Zone at Savar. Extensive knowledge of the market and essential expertise in a wide range of financial services underline our strength to build business opportunities for corporate and institutional clients at home and abroad. Continuous upgrading of technology and control systems has enabled the bank of offer new services, which include unique ATMs and Phone banking. Standard Chartered’s services in Bangladesh, ranges from Personal Corporate Banking to Institutional Banking, Treasury and Custodial services. 1. 6 Objectives The study was aimed at the following objectives: A. Primary objective: To learn about the communication structure of Standard Chartered Bank B. Secondary objectives: To identify the communication strategies of Standard Chartered Bank To find out the internal communication barriers (if any) of Standard Chartered Bank To find out their awareness level of the barriers To suggest remedies for improvement To find out the mass communication style or strategies To found out the impact of gender differences inside the organization To find out the impact of cultural differences inside the organization 1. Scope After making the report some benefits will be there for both the organization and us. Page 16 of 25 17. 1 Scope for Standard Chartered Bank: If any lacking is found in their organization the management will find a way to solve their problem after studying our report. They will be able to make their organization’s system of communication more effective and the organization will be able to improve performance. 17. 2 Scope for the re searchers: The study will find a chance to know the system of the organization and its communication system very well which will increase our knowledge and experience. Thus it will help building our career. 1. 8 Research methodology of the report Report is a place of factual writing based on evidence, containing organized information on particular topic o Formal in nature and written for specific audience o Discusses the topic at depth and contains conclusions and recommendations if required The study has been done with the method case study. Rather than using samples and following a rigid protocol to examine limited number of variables, case study methods involve an in-depth, longitudinal examination of a single instance or event: a case. They provide a systematic way of looking at events, collecting data, analyzing information, and reporting the results. As a result the researcher may gain a sharpened understanding of why the instance happened as it did, and what might become important to look at more extensively in future research. Case studies lend themselves to both generating and testing hypotheses. As we did not have sufficient time to go for questionnaire survey, we followed the method case study. Page 17 of 25 1. 8. Sample Small segment of the total population which is considered to be the representative of the total population is called the samples and the process through which the samples are selected is called sampling or sampling procedure. There are two types of sampling: 1. Random: To take the interview of the person available 2. Purposive: To take interview of people whom one wants to The study was done with the help of random sampling as because purposive sampling was not possible due to unavailability . The sample size of the study was 3. 1. 8. 2 Case study We took face to face interviews. We went to Standard Chartered Bank Islamic Banking Centre Branch which is situated in Gulshan Avenue. We talked to the three people of personal loan section individually. We asked them the same questions and got answers. After getting their answers we organized the three cases and studied the cases to reach the decision. 1. 9 Limitations The study was done in a very short time when we and the employees of The Standard Chartered Bank both were very busy. They at first denied talking to us but after assuring that minimum time of them will be taken they agreed to meet. So, we were unable to ask them many questions which might be important for the valuation and proper conclusion of the report. Page 18 of 25 2. 0 Chapter 2 : Presentation of Cases We did three case studies based on the three interviews of the employees of Standard Chartered Bank. The cases are given below: Case study 1 Md. Sajjadur Rahman Product marketing officer B. Sc. M . Sc. in Mathematics Unsecured loan consumer Banking Division He works in standard charted bank for two years before coming here he worked as a marketing officer in HSBC bank for two years. In this study they said their all communications is face to face. They contact with their higher level boss with e-mail and they also said they contact their immediate boss face to face. When they send any e-mail to their boss it just like a SMS there are no unnecessary thighs there. But when they send any e-mail to their boss its takes time to get the reply . In this study they also said they call their male employees as brother and female employees as sister. There is no sir or madam addressing through the whole organization. In this study we also see that they follow the communication channels are up ward, down ward and lateral. Most of time they use the verbal communication to their employees and it is face to face. He also said there is no non verbal communication use their company. But sometime they use only e-mail for their boss in urgent situation. Some time they go for tour in different countries but every one does not get chance. The person who fill a minimum credits only they can join the tour. In 2006 he tour in Thailand. He is satisfied of there communication style. Page 19 of 25 Case study 2 A. M. Sadeeque Hassan Product Marketing Officer BBA, MBA Major in Marketing Unsecured loan consumer Banking Division In this study they said there are very little bit barrier to their company for example they do not call their boss with unsuitable time. Higher level boss reply their e-mail very late. In this study we also known female are more active than male. Even female work on Friday when male are relax there time by visiting or gossiping. In last month one female are getting award by doing her best performance. She process 454 file in one month. It is a friendly work environment as a result it plays a significant role in communication process. There are also some internal communications to employ to employ like face to face, telephone, mobile. He was also fill the credits as a result he could join the tour of Thailand in 2006 . He is also satisfied of there communication style. Case study 3 Md. Fayssal Hossain Assistant Product Marketing officer Honors Masters in Marketing Unsecured loan consumer Banking Division In this study they said that they can talk to their higher level authority direct face to face or phone. There are also down ward, upper ward and horizontal communication. In standard charted bank all work has been done by group work and every group join as a team. There are a leader of each team and all the group follow the leader. Page 20 of 25 Some time they arrange picnic or party and the entire members attend the party or picnic. It helps to communicate with other and remove the communication barriers with upper level and lower level employees. In this time boss are free with their employees. That recreation system is effective for better employee employer relationship He was also filling the credits as a result he could join the tour of last year in china with there official tour. He is also satisfied with there Communication style. Page 21 of 25 3. 0 Chapter 3: Analysis After studying the cases we came to know about the organization’s communication structure. Their communication style is very rich. They have very effective communication system. All of them agreed with their answers. That symbolizes their unity and effectiveness of communication. They all agreed that their organization follows face to face communication most of the time. Telephone is also a main communicating element. Oral communication is used more that’s why they are freer. They use face to face communication they also said their male employees as brother and female employees as sister. There are no sir or madam addressing through the whole organization. Most of the time they use the verbal communication There is also downward, upward, and horizontal communication. It is a friendly work environment as a result it plays an important role in the whole communication process. Some time the organization arrange picnic or party the entire member attend the party. The recreation system is effective for better employee employer relationship. Some they go for tour in different countries. Although they are satisfied with their communication style but still there are some barriers to communicate with their higher level boss. Their formal communication style is not perfect through which they communicate with their boss. Page 22 of 25 4. 0 Chapter 4 : Conclusion The report on ‘The Communication Structure of Standard Chartered Bank’ was very useful to us for our experience. We came to know about the communication structure of a renowned organization. Their communication style is very rich. They have very effective communication system. The communication style of every public organization should follow the structure. We are grateful to our course instructor for giving us such an opportunity to do the report and enrich to our knowledge to a great extent. Page 23 of 25 5. 0 Chapter 5 : Recommendations Based on our findings, we now recommend the following†¢ They should remove the communication barriers between higher level managers and lower level managers †¢ Their men should work equal to their women †¢ They should enrich their formal communication style Bibliography Raman, M. , Sharma, S. (2004). Technical Communication: Principles and Practice. New Delhi: Oxford University Press Research. (2007). Retrieved on December 3, 2008 from http://en. wikipedia. org/wiki/Research Robbins, S. P. , Judge, T. A. (2007). Organizational Behavior. New Delhi: Prentice Hall. StandardChartered Bank (2004). Retrieved on 3rd December 2008 from http://www. standardchartered. com/bd/ Page 25 of 25 How to cite Communication Structure of Standard Chartered Bank, Papers

Creativity or Innovation in the Strategic Formulation

Question: Discuss about the Creativity or Innovation in the Strategic Formulation. Answer: Introduction The management of the organizations adopts various strategies in order to achieve the desired goals and objectives. The competitiveness and the changes in the customer demand has generated a situation where the managers are intended to make use of creativity and innovation while formulating the strategies. The innovation, creativity, utilization of the existing resources, exploitation and exploration of the resources etc can add value to the strategic formulations (Grant, 2016). Creativity in Strategic Formulation When creativity is imposed in the strategic work the managers can gain the effective outcome. This attribute makes the managers unique from others and they can achieve the competitiveness easily through the implementation of the creative and innovative strategies. The integration of creativity in the strategic formulation includes a research phase in the process through which the manager can identify what the customer expects and prefers from the organization. This identification enables the manager to develop a strategy which is customer oriented and it can produce effective outcome. The creative strategic thinking will enable the manager to implement the qualitative synthesis of the opinions and perceptions as it make use of the internal and the external data (Kim Mauborgne, 2014). Exploitation and Exploration in Strategic Formulation The exploitation and the exploration of the available resources can be considered as the effective attribute of the strategic managers. Through the exploration strategy the mangers includes the activities like the search, variation, risk taking, experimentation, play, flexibility, discovery, innovation etc. The adaption and the flexibility approach of the exploration process will enable the managers to develop the strategy which is suitable for the new configuration or the requirement of the organization. Through the implementation of the exploitation strategy in the strategy formulation the managers can include the factors like the refinement, choice, production, efficiency, selection, implementation, execution etc. This enables the managers to make the maximum utilization of the existing resources. Through the exploitation the refinement of the existing technology is possible which requires the individual coordination. Hence the integration of the exploitation and the exploration c an introduce the creativity and innovation in the strategic formulation which can make the organization competitive. This integration enables a long term success to the organization through effective strategy (Stadler, Rajwani, Karaba, 2014). Stake Holder Involvement The stake holder involvement in the strategic formulation is considered to be very important in the modern business environment. Through involving the stake holders like the employees in the strategic formulation new ideas, opinions, etc can be obtained from them. The stake holder involvement will also prioritize the employees which can reduce the employee turnover; their commitment towards the organization enhances which can lead to highly motivated and productive employees. For a strategy to be implemented effectively the coordination of the employees are essential. Hence through the employee involvement method the managers can make the employees loyal. For the formulation of an effective strategy the managers should be a strategic thinker (Voss, Voss, 2013). References Grant, R. M. (2016). Contemporary strategy analysis: Text and cases edition. John Wiley Sons. Kim, W. C., e Mauborgne, R. (2014). Blue ocean strategy, expanded edition: How to create uncontested market space and make the competition irrelevant. Harvard business review Press. Stadler, C., Rajwani, T., Karaba, F. (2014). Solutions to the exploration/exploitation dilemma: Networks as a new level of analysis. International Journal of Management Reviews, 16(2), 172-193. Voss, G. B., Voss, Z. G. (2013). Strategic ambidexterity in small and medium-sized enterprises: Implementing exploration and exploitation in product and market domains. Organization Science, 24(5), 1459-1477.

Ironic Symbolism in The Lottery Essay Example

Ironic Symbolism in The Lottery Paper Throughout the story of The Lottery, symbolisms are apparent. Shirley Jackson sets the scene of the story as bright and magnificently beautiful in the beginning, but as the story continues that scene is destroyed and replaced by what some would consider quite disturbing. The Lottery takes the road less traveled in route to its disturbing nature. Symbolisms provided by Shirley Jackson provide her audience with the knowledge to make sense of the ironic chaos abound. Three symbolisms stand prevalent above all other in, The Lottery; the three-legged stool, the black box, and the lottery itself. The three-legged stool that is mentioned in Shirley’s story happens to display important symbolism for her story. The three legs of the stool seemingly represent the Holy Trinity (God the Father, God the Son, and the Holy Spirt). As a representation of life, forgiveness, and hope the stool (Holy Trinity) is used to support the black box when a random drawing was in process. The Stool’s employment of supporting the black box in The Lottery represents the manipulative involvement of people in religion to support collective violence. There also lies irony in the symbolism. It is ironic that the stool represents the Holy Trinity and yet it supports the black box which symbolizes death, evil, fear, and mystery. The placement of the stool as the centerpiece of the square room highlights the mystery of the box and also the symbolism of the three-legged stool. We will write a custom essay sample on Ironic Symbolism in The Lottery specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Ironic Symbolism in The Lottery specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Ironic Symbolism in The Lottery specifically for you FOR ONLY $16.38 $13.9/page Hire Writer The black box that sets atop the three-legged stool has two major symbolic qualities being its shape (box) and its color (black). Black, the color of the box represents death, evil, fear, and mystery. The random drawing from the black box constructs fear and mystery in the people anticipating the drawing. Evil soon ensues to turn people who once had high morals into bigots. And the random drawing selection process is capped off by death whom presents itself through a thorough stoning of the â€Å"lu

Free Essays on Telémakhos, The Odyssey

In his translation of The Odyssey, Robert Fitzgerald portrays Telà ©makhos as a rational, striving, yet disdained gentleman. Telà ©makhos’ ambitions are confirmed by his desire to unbind the mystery of his lost father. A vast amount of his nearby society do not agree with his proposal. Nevertheless, the sensible and eager young man begins his journey. The author first introduces Telà ©makhos as a man of wisdom. Fitzgerald constantly refers to him as the â€Å"Clear-headed Telà ©makhos...† (2, 25). A later establishment demonstrates how â€Å"Telà ©makhos replie[s] with no confusion† (2, 28) to Antinoos. Fitzgerald implies the high wit of Telà ©makhos by utilizing different word associations that introduce his speech. On the contrary to the author’s opinion on Telà ©makhos, the other characters condescend and insult him. Antinoos exemplifies this behavior by openly displaying his feelings of distrust for the young man. He believed that Telà ©makhos would â€Å"want to shame [him], and humiliate [him]† (2, 21). Antinoos further contributes to his discontentment on him by blaming his â€Å"own dear, incomparable cunning mother.† He additionally expresses that â€Å"for three years now-and it will soon be four- [his mother] has been breaking the hearts of the Akhaians, holding out hope to all, and sending promises to each man privately -but thinking otherwise† (2, 22). Antinoos does not stand in solitude with his negative ideas on Telà ©makhos. A â€Å"young top lofty gallant† supports Antinoos by voicing that â€Å"Telà ©makhos has a mind to murder [them]† (2, 28). Another complies with this statement by predicting that â€Å"He might be lost at sea, just like Odysseus, knocking around in a ship, far from his friends† (2,2! 8). Furthermore, this man sarcastically verbalizes â€Å"what a lot of trouble that would give [them], making the right division of things!† (2, 28). The supporting characters in act 2 personify the hateful reput... Free Essays on Telà ©makhos, The Odyssey Free Essays on Telà ©makhos, The Odyssey In his translation of The Odyssey, Robert Fitzgerald portrays Telà ©makhos as a rational, striving, yet disdained gentleman. Telà ©makhos’ ambitions are confirmed by his desire to unbind the mystery of his lost father. A vast amount of his nearby society do not agree with his proposal. Nevertheless, the sensible and eager young man begins his journey. The author first introduces Telà ©makhos as a man of wisdom. Fitzgerald constantly refers to him as the â€Å"Clear-headed Telà ©makhos...† (2, 25). A later establishment demonstrates how â€Å"Telà ©makhos replie[s] with no confusion† (2, 28) to Antinoos. Fitzgerald implies the high wit of Telà ©makhos by utilizing different word associations that introduce his speech. On the contrary to the author’s opinion on Telà ©makhos, the other characters condescend and insult him. Antinoos exemplifies this behavior by openly displaying his feelings of distrust for the young man. He believed that Telà ©makhos would â€Å"want to shame [him], and humiliate [him]† (2, 21). Antinoos further contributes to his discontentment on him by blaming his â€Å"own dear, incomparable cunning mother.† He additionally expresses that â€Å"for three years now-and it will soon be four- [his mother] has been breaking the hearts of the Akhaians, holding out hope to all, and sending promises to each man privately -but thinking otherwise† (2, 22). Antinoos does not stand in solitude with his negative ideas on Telà ©makhos. A â€Å"young top lofty gallant† supports Antinoos by voicing that â€Å"Telà ©makhos has a mind to murder [them]† (2, 28). Another complies with this statement by predicting that â€Å"He might be lost at sea, just like Odysseus, knocking around in a ship, far from his friends† (2,2! 8). Furthermore, this man sarcastically verbalizes â€Å"what a lot of trouble that would give [them], making the right division of things!† (2, 28). The supporting characters in act 2 personify the hateful reput...

Views of Cultural Ecologists on Religion and Magic Research Paper

Views of Cultural Ecologists on Religion and Magic - Research Paper Example The history of religions tends to adopt an evolutionary view where it appears that the horizon of religion developed from the earth to heavens. The evolutionary approach mainly supported by cultural ecologists tends to support the connection between religion and ecology. Cultural ecologists focus on discovering the similarities and differences of different cultures with the interest of understanding why people live the way they do and why certain things are unique to some cultures. Ecologists present different views on religion with a particular consistent disagreement with the thinking of outsiders that the more isolated tribe style cultures believe in magic. This paper shows how cultural ecologists view religion and magic, how they relate, as well as why some cultures might believe in one, or both. According to Debnath (2003), the oldest layer of religion, under headings, such as natural religion, hunting magic and agrarian religion, is intimately linked to the relationship between humans and nature. One of the renowned cultural ecologists, Marvin Harris takes pleasure in finding concrete ecological pragmatism everywhere in the history of religion, from Aztec human sacrifice to the Hindu veneration of the cows. The ritual engagement with nature, whether in hunting magic or agricultural fertility rites, often contains an element of magic and thus the attempt to gain power nature. Cultural ecologists view magic as an attempt to gain power over nature, a concept that greatly differs from the religious views where nature appears to influence the way things are and they are not. From an ecological perspective, magic remains an old dream of humankind which has been partially fulfilled in the modern error (Olson, 2010). Religion and magic are viewed as cognitively instrumental, where they provide an explanation of the world in terms of superhuman agency to believers and by extension a religious or magical technique by which they can exert significant control over th eir surroundings. A distinctive difference between religion and magic revolves around the concept of reason and faith in which the reason belongs to the latter while faith and rituals belong to religion (Debnath, 2003). Reasons Why Some Cultures Accept either Religion or Magic or Both Cultural ecologists assert that good or evil fortune follows from one’s choices of habitation. For example, Feng-shui is recognized to have a strong magical or religious component, in which it was believed that cutting down the Feng-shui grove often translates into a disaster to town, and the more old the trees were found the more good luck it conferred to the town residents (Sutton & Anderson, 2009). The magical component associated with the tree is widely accepted in south China, serving to persuade millions of peasants to sacrifice personal gains for the long-term community benefit. This example explains the connection between magic and environment and its role in the conservation of the ecos ystems. The Chinese community widely accepts the concept of magic than any other part of the world owing to its close association to their environment and the perceived benefits in believing in certain magic components in the ecosystem. In many case, religion is widely accepted due to its detachment from the individual figure compared to magic which focuses on the capabilities of the person performing the magic. In addition, the concept of realism and the basis fiction that surround magic further

Informal Care Assignment Example | Topics and Well Written Essays - 1750 words

Informal Care - Assignment Example Management of CHF requires shared responsibilities as increasing number of CHF patients have decreased formal care provision. Informal care is an avenue that has best potential for ensuring adequate quality of life for CHF patients, and at the same time also ensuring that CHF patients get more attention than would have been possible in formal care. Clark et al (2007) survey of informal carers and their patients has pointed out that informal care givers have been able to manage and ensure adequate quality of life for CHF patients. Authors have pointed out that informal and invisibl3 care could be even better managed if the informal care givers were given basic training for recognizing and managing some of CHF symptoms. Francine et al (2002) provides enlightening statistics that in 2002 there were at least 41 million people with chronic debilitating conditions. Another issue might be increased longevity through intervention better nutrition and quality of life - thus the proportion of old people afflicted with chronic conditions is continually rising. Informal caring which may be through family or friends (and usually is honorary) has taken on increasingly important role as formal carers reduce in proportion to the chronically ill. Incidentally most of the informal care is given by women, be it daughters or sometimes wives. The toll on women caregivers is quite stressful with many women being forced to take lower paying jobs that allow them more time for. Care giving has also been known to be mentally taxing and causing emotional stress. Caregivers are more susceptible to indigestion and high blood pressure and caregivers, who care for patients with Alzheimer and psychopathological disorders, may h ave bouts of depression. Informal care givers are not given adequate governmental support and many of the services performed for ill disposed may not be reimbursable through NHA or Medicaid. Francine et al (2002) reiterate that policies should be introduced that recognize the efforts and work performed by the care givers. As care givers tend to be over 40, many of the social workers and care givers might themselves be in need of support in coming years (Francine et al 2002). Understanding Chronic Heart Failure may be important to appreciate the need for informal care. Donovan (2008) defines CHF as condition affecting older population which affects temperament and frequently is terminal. Using survey of care givers gave 3 dimensions which were important in informal care. Caring for CHF patient was frequently a shared activity and involved both visible and invisible methods of caring. The severity of symptoms determined the type and quantity of intervention requirements. The carer's lack of formal knowledge was contrasted by knowledge gleaned from experience with CHF patient. The informal care givers were cognizant of patient's mood, physiology temperament changes and could relate to these changes with corresponding requirements of more intensive care provision. The visible caring activities, managing medicine and personal care, were found to be tiring. As CHF conditioned worsened CHF patients were found to require

Unregistered Trade Marks Of Hong Leong Bank Bhd Marketing Essay

Unregistered Trade Marks Of Hong Leong Bank Bhd Marketing Essay Disclaimer: The trade marks, service marks, and logos (the Trade Marks) of Hong Leong Bank Bhd used and displayed in this paper are registered and/or unregistered Trade Marks of Hong Leong Bank Bhd and respective groups. Nothing on this paper should be construed as granting, by implication, or otherwise, any license or right to use any Trade Mark displayed on this paper, without the written permission of the respective authority. Views expressed in this report are those of the author. Table of Contents About Hong Leong 4 Industry Analysis 4 Why Porters 5 Model 4 Limitations of Porters Model 6 Strategic Capability Analysis 6 3.1 Stakeholders 7 3.2 SWOT Analysis 7 3.2.1 Why SWOT Analysis 7 3.2.2 Hong Leong Bank SWOT Analysis 7 3.3.3 Limitations of SWOT Analysis 9 Strategic Choices 9 4.1 Strategic Choices 9 4.1.1 Why Porters Generic Strategy 9 4.2 Strategic Direction 10 4.2.1 Why Ansoff Matrix 10 4.3 Method for Pursuing Strategic Direction 12 4.4 Implication and Evaluation of Analysis 12 Justification of a Strategy 13 5.1 McKinsey Growth Pyramid 13 Conclusion 15 References 16 Abbreviations HLB Hong Leong Bank PIN Personal Identification Number SMS Short Messaging Service SME Small and Medium Enterprise RM Ringgit Malaysia SMI Small and Medium Industry ISO International Standard Organization BNM Bank Negara Malaysia ATM Automated Teller Machine About Hong Leong Bank Hong Leong Bank Berhad was found by Ji Chiew. The bank starts operations in 1905 in Kuching, Sarawak. In 1 January 1982, the Head Office relocated from Kuching to Kuala Lumpur. The consolidation of banking institution to meet the requirement of Bank Negara Malaysia marks another milestone for Hong Leong Bank Berhad. Hong Leong Bank Berhad was listed on Kuala Lumpur Stock Exchange on 17 October 1994. The market capitalization as of recent days is RM 470 million, according to bank website. Hong Leong Bank has diversified the businesses into financial services, manufacturing, and property and infrastructure development. The services available are personal financial services such as credit cards, investment, loan, deposits, insurance, priority banking, personal banking and Hong Leong Club Rewards for customer loyalty (Hong Leong Bank, 2009). Industry Analysis 2.1 Why Porters 5 models Porters model determines the competitiveness of an organization using the five different forces and shows how the forces are related. To develop business strategies effectively, organizations must understand and act in response to those forces. (Porter, 1985) (Fornell and Wernerfelt, 1987) Rivalry Among Existing Competitors There are 37 banks, which are recognized and licensed to operate in Malaysia and more financial institution are opening soon. The trend of increment of the number of banks within the industry is fast and there are great challenges for HLB to create and maintain a good market share. Other banks are seems to be more aggressive to get and retain customers. This force is not in favor of Hong Leong Bank. (BNM, 2009) Threat of Substitute Products and Services Even though there are many financial institutions available, some unique facilities can only be obtained from the bank only. American Express facilities, co-branded products (e.g. MTV), higher interest rate, club rewards, junior/senior savings, overdraft are the few products which only available to this bank. Thus this force is in favor to the bank. (Hong Leong Bank, 2009) (BNM, 2009) Bargaining Power of Buyers Having the whole range of financial players apart from the retail banks, it is evident that customers can move within the 40 operators and can also decide to switch to the other non-banking institutions. Their choice can even extend to the insurance companies, depending on the nature of the product. For instance if a customer is looking for a small amount of loan, he/she can even get the said product from organizations like AEON, etc. The close location of various banks is also giving customer a very high bargaining power too. For instance in a location of Puchong Jaya, along the street of Jalan Kenari it is easy to find at least 9 banks within 100 meters Maybank, Public Bank, Eon Bank, CIMB Bank, HSBC, Alliance Bank, Bank Simpanan Nasional, UOB. With this concentration the bargaining of customers always goes high before customers start looking on a differentiated service. For the said bank, this is absolutely a negative favor since the potential customers can shift easily to differ ent point. (BNM, 2009) Bargaining Power of Suppliers The core business of the Hong Leong Bank is product and services which mainly focuses on safety of monetary management. The suppliers provide some tangibles like checkbooks, lockers, private banking, priority banking. The impact of these in HLB is not much significant since they are not really like the raw material. (Hong Leong Bank, 2009) Threat of New Entrants The Bank Negara Malaysia has set a minimum capital requirement of RM5 billion for a bank to be registered. The conditions set for registering a bank are not difficult to obtain, hence entry barriers become low. Thus more foreign owned financial firms are keen to open their business in Malaysia. Certainly these institutions will pose threat on existing banking business as theyll have unique products and services. This force is not in favor of Hong Leong Bank. . (Hong Leong Bank, 2009) From the above analysis of HLB 5 forces analysis, the diagram below will provide a summary of the banks overall industry analysis. Threat of New Entrants (-) Threat of Substitute Products and Services (+) Bargaining Power of Buyers (-) Rivalry among existing competitors (-) Bargaining Power of Buyers (+) 2.2 Limitations of the Porters Model Porters 5 force analysis talks about the external forces applicable to the outside of business. Todays business is much more vast and robust requiring dynamic approaches which should be an integration of different approaches rather than depends on a single analysis. Internal factor analysis requires much analysis as external. Designing, visioning and learning approaches should be considered when an industry analysis is done. Proters 5 forces are lack of these factors. (Porter, 1985) (Gronroos, 1997) Strategic Capability Analysis 3.1 Stakeholders Stakeholder Analysis identifies important groups of people or individuals that can have an influence on the Project. These Stakeholders can have their own objectives and views, which may differ and conflict with other Stakeholders. A Stakeholder Analysis is required to identify all the parties who are directly or indirectly affected by the enterprises operations. This includes not only the traditional shareholders, but also some new groups that the insights of sustainable development tell us must be consulted in decisions that affect them. (Roberts, Varki, and Brodie, 2003) (Fombrun and Shanley, 1990) In an organization, internal stakeholder is the employees or people who work inside the organization. External stakeholders exist outside the organization but have a direct interest in what it does (e.g. shareholders, governments, customers) etc. (Roberts, Varki, and Brodie, 2003) 3.2 SWOT Analysis 3.2.1 Why SWOT Analysis? SWOT analysis is a tool for auditing an organization and its environment. It is the first stage of planning and helps marketers to focus on key issues. SWOT stands for strengths, weaknesses, opportunities, and threats. Strengths and weaknesses are internal factors. Opportunities and threats are external factors. (Spreng and Chiou, 2002) In SWOT, strengths and weaknesses are internal factors and opportunities and threats are external factors. 3.2.2 Hong Leong Bank SWOT Analysis Strength Hong Leong Bank Berhad (HLB) principal activity is providing consumer-banking services including credit cards, investment, mortgage, deposits, insurance and priority banking. Other activities include business banking, trade financing, working capital facilities, treasury, foreign exchange, money market operations, capital market securities trading, investment, and takaful business. It has been recognized as one of the most profitable bank in Malaysia. (Hong Leong Bank, 2009) It has 186 branches, 17 business centers with talented and motivated employees throughout Malaysia making it one of the most widened banking sectors in Malaysia. Their first award year 2004, an acknowledgement for their active participation in spurring the growth of the SMEs in the country. This award certainly spur Hong Leongs strength to bring more value added financial services to customers and the SMI community and to help them face the extremely challenging and competitive business environment both locally and globally. Launched in October 2005; the Hong Leong Mobile Credit Card is the first of its kind, allowing customers who are provided with a six-digit personal identification number (PIN) to pay for goods and services using mobile phones via short messaging service (SMS). This offering is the result of Hong Leong Bank tie-up with technology provider Mobile Money International Sdn. Bhd. This unique method of payment, known as Mobile Money is speedy, convenient and cost effective. Using only the mobile phone for approval of transactions and payments, there is no longer a need for the physical plastic card, merchant terminals or Internet terminals. Payment requests are delivered via SMS. There is no need for card members to be present at the point of sales or at the merchant outlets. Payments can therefore be made from wherever card members are, at whichever place where there are mobile phone signals. (Hong Leong Bank, 2009) In 2007, Hong Leong Bank bagged the Asian Bankers Best e-Banking Project 2007 with its Internet banking offering, Hong Leong Online. The award recognizes the best emerging technology practices and benchmarks in Asia Pacific banks. Apart from the Asian Banker award, Hong Leong has also been ranked as the third most popular Malaysian online banking site. Online banking transactions helped the bank save about RM24mil from March to October 2007 as each online transaction cost about 20% compared with about RM3.50 for every over-the-counter transaction. Weakness In line with its strong customer service culture, the HLB continues to maintain its superior delivery standards which have been behind against international ISO standards. HLB is yet attained bank-wide ISO 9001:2000 certifications for customer service at the front office of its branches and bank-wide loan delivery service. This is a major drawback for the HLB to have a better customer base. (Hong Leong Bank, 2009) As to compete in the industry of banking, interest rate is a major challenge as customer will choose for a higher interest rate for savings account and for the lowest interest rate for the loans that the customers are seeking for their financial assistances and better service for the customer. Hong Leong Bank needs to change according to the environment as to compete and remain as the market leader. (Hong Leong Bank, 2009) As Hong Leong Bank has moved ahead to the Electronic banking or transaction there is greater risk or security threats circulated to the users of online banking or transaction. There are non technical threats such as phising whereby it is the act of tricking someone into giving them confidential information or tricking them into doing something that they normally wouldnt do. The common applications of this approach is to send fake emails (email spoofing) to a victim purporting to come from a legitimate source and requesting information (such as the bank account number and the password) or directing the victim to a fake internet website where this information can be captured. Opportunities The bank may recruit young and talented staffs and provide them proper training to create a talent base as well as provide job to those who are in need. This may also reduces the unemployment rates in Malaysia. This talent base is able to adopt with internal formation and usually stay with the bank until the end. (Hong Leong Bank, 2009) As the banking industry grows and provides opportunities for the local customers indirectly it also given an opportunity to the foreigners who stays in Malaysia. They tend to use banking services more frequently to have different types of account. This additional customer base will bring more money inside the bank and of course banks will gain profit from various types of transactions. (Hong Leong Bank, 2009) Bringing the bank closer to the consumer could be the vital opportunity. Providing a payment gateway where ATM card could be used as like a credit card for everyday usages. Since these customers will use won money, bank may encourage them to save more to get more benefits. Establishing more ATM and branches and electronic features (e.g Western Union money transfer) will definitely bring more customers in. (Hong Leong Bank, 2009) Threats Ease of distributing credit card could be a disturbing role the bank is playing. While credit card repayments are depends fully on customer payment, if it is not paid, bank has to go long way. (Hong Leong Bank, 2009) The bank is not really in forefront position to introduce new products and service as market demand changes. It if often seen that the bank introduces the products in different name when the service is already available in the market by other bank. (Hong Leong Bank, 2009) 3.2.3 Limitations of SWOT Analysis SWOT analysis usually very subjective. It simply looks at the negative factors first in order to turn them into positive factors. So it is advisable to use SWOT as guide and not as prescription. (Spreng and Chiou, 2002) Strategic Choices 4.1 Generic Strategy 4.1.1 Why Porters Generic Strategy Generic strategies are widely used today even though it was invented in 1980s. Three options are available for organizations to adopt to achieve sustainability which are cost leadership, differentiation and focus. Each of the three options are considered in two aspects of the competitive environment: (i) Competitive advantage talks about the prices (high or low) of the products, (ii) Competitive scope talks about the market size (narrow or broad). (Porter, 1985) (Chen, 1999) (Sanzo et al, 2003) Overall Cost Leadership The low cost products are the product leader in the market. It may also included the time required to built and delivery the products to customers. As it is mentioned earlier, using online banking, it would help the bank as well as customers to save more. Developing and maintaining online business is not low-priced itself. Yet it could provide vital thumbs-up to banks generic strategy. If more customers opt for online transactions, bank wouldnt have to spent time on serving customer physically thus itll requires less resources (e.g. less branch, less employees). These less resources will push ahead the bank with extra finance to improve other services. (Harris and Goode, 2004) (Sanzo et al, 2003) Differentiation Differentiated goods and services are designed to satisfy the customers with the lowest price/cost available for similar kind of products. HLB Flexi FD is a fixed deposit product which gives higher interest rate to the customer. Thus the bank will be in risk of loosing money. So it has to bring and retain much customer to cover the loss. The loss must be cover to be competitive. Since banking industry changes rapidly, HLB will have to customize the products and services over times to hold ensure customer satisfaction. (Dannenberg and Kellner, 1998) (Jones, Mothersbaugh, and Beatty, 2000) Focus In focus an organization can afford neither a wide scope cost leadership nor does a wide scope differentiation strategy, Here an organization focus effort and resources on a narrow segment of a market. Competitive advantage is generated specifically for the niche. A company has two options to choose: use either a cost focus or a differentiation focus. Taken example of HLB structured investments. Invested amounts are 3rd-party transactions and bank itself doesnt provide any guarantee of returns of money to the customer. In this segment, HLB is a low profile character. Even though bank is charging some commission on the investments, customers who are willing to invest are to do so at own risk. (Jarvelin and Lehtinen, 1996) (Evans and Beltramini, 1987) 4.2 Strategic Directions 4.2.1 Why Ansoff Matrix The Ansoff Growth matrix is a strategic direction tool that helps businesses decides their strategies for growth. Ansoffs product/market growth matrix discuss about the strategies on which the business deliver new or current products in new or current markets. Overall output of Ansoff product/market matrix is sets of strategies that set the direction for the business growth. (Auh et al, 2007) (Sanzo et al, 2003) These are described below: Market penetration Market penetration is a general name of selling current products into current markets. The bank continuously introduces loan and credit products to customers to leap ahead. Since the banks most incomes come from loan and credit facility, reshape of current products will ensure market growth and increase of usages by existing customers. Market penetration for HLB will be focused on the central markets that it is very familiar with, competitors are known, customer needs are defined and returns are potential. (Gustafsson, Johnson, and Roos, 2005) (Agrawal, 2001) http://strategyiseverywhere.files.wordpress.com/2007/12/ansoff_matrix.png Market development Market development tells about the distribution of current products in new market. With its existing banking facilities, the bank introduces private banking for the customers who loves personal banking. For everyday needs of banking, investment, loan, protection a dedicated personal banker is always there to serve the individual customer to fill their needs. These personal banking is nothing different than existing policies; focus goes to its loyal customers which puts big amount inside the bank. (Dannenberg and Kellner, 1998) (Filotto, Tanzi, and Saita, 1997) Product development Product development is the name given to a growth strategy where a business aims to introduce new products into existing markets. Saving multiplier plans is recently introduced by the bank. Hong Leong Savings Multiplier Plan is a unique investment tool that utilizes the powerful concept of Dollar-Cost-Averaging and offers a customized solution to tackle the distinct financial challenges throughout different life stages be it to secure a comfortable retirement or to ensure a steady flow of pension-like funds or for putting aside adequate funds even for childrens education. Islamic banking is another example of product development. (Metawa and Almossawi, 1998) (Haron, Ahmad and Planisek, 1994). Diversification Diversification is the growth strategy where new products are to be delivered in new market. This strategy is more risky for business growth as often business takes longer time to survive in a new market. HLB recently spread their business in Vietnam. Since Vietnamese culture differs from Malaysia, the bank has to adopt the culture as well as compete with well established Vietnamese banks. (Shankar, Smith, and Rangaswamy, 2003) (Evans and Beltramini, 1987) 4.3 Method for Pursuing Strategic Direction Forward Looking Policy Monetary policy management needs a forward-looking policy due to the time gap between policy actions and their intended effects on output and inflation. HLB built a macro model which would determine the impact of policy actions. Understanding the microeconomic factors are important too determine the inter-linkage of monetary policy mechanism. (Fornell and Wernerfelt, 1987) Deepening of Financial Markets New financial products are traded in the Money/Bonds market by the introduction of Hong Leong Banks Debt Capital Markets Structured Finance (DCM/Structured Finance) unit within Wholesale Banking provides innovative tailor-made solutions to financial institutions, corporate, agencies and high net-worth individuals through comprehensive offerings in the debt capital markets. (Dannenberg and Kellner, 1998) Strong Foreign Currency Reserve Foreign exchange reserves form part of the national assets and these needs to be deployed rationally keeping in mind the principles of safety, liquidity, and return. The reserves, which are currently deployed by the HLBs in-house reserve management treasury dealers, are in short-term high quality bank deposits. (Naser, Jamal, and Al-Khatib, 1999) Reliable and Secured Payment Systems To reduce the settlement time significantly and increase cost effectiveness the bank plans to establish an electronic clearinghouse to do almost every transactions online with tighten security and handy usability. Opening an account, apply for credit cards are already in place. The bank further steps in mobile banking for dedicated user. Recently the bank introduces e-broker services (HLeBroking). HLeBroking allows the flexibility of placing orders either through a phone call to our trading hub or via the internet. Professional dealers centralized in the hub are always on hand to execute transactions and monitor shares investment portfolio. (Shankar, Smith, and Rangaswamy, 2003) (Harris and Goode, 2004) 4.4 Implication and Evaluation of Analysis During this analysis it was assumed that strategies are reasonably orderly and knowable and, in turn, that evidence can help to evaluate theories that claim to explain these strategic positions. Data and information often founded confusing and imperfect. It seems almost certain that no single study can validate or invalidate a theory. Besides, there is a good chance that a large number of studies will not generate consistent results. (Agrawal, 2001) The methodology were used in analysis is not about developing a foolproof system; it is at least partly an art. There is no mechanical system that will escape judgment, sense, and intelligence. But this does not eliminate the need for techniques and standards. Product delivery approaches, geography, demography does plays role in strategic position which were missing in the analysis done. (Hong Leong Bank, 2009) The strategic planning process adopted by HLB was participative, consultative and result oriented. But the takes time to achieve results. While some important factors the bank missed out during strategic choices, individual departments must do their respective environmental scans through a SWOT analysis whereby they identified their internal strengths and weaknesses as well as the external opportunities and threats. (Hong Leong Bank, 2009) Business trends changes randomly. Todays product may not be available tomorrow. Thus no strategic plan could be exactly fit into business strategy. However, HLB could consider a more diversified strategy which would be more beneficial to determine strategic stand. Justification of a Strategy As the strategic position and strategic choices are different from the matrix analysis, a better strategic growth model is optimal solution. 5.1 McKinsey Growth Pyramid McKinsey growth pyramid is an upgraded version of Ansoff Matrix with broader discussing of important strategic factors. With every possible action there are certain alternatives (e.g. acquisition, joint ventures, alliances etc) with risk measurement from low to high. Existing products to existing customers This is considered lowest risk options go on businesses with current asset and current customer. But itll not be much beneficial for bank in long terms. Existing products to new customers Introduce existing products to new customer which may help them meet their daily financial needs so that they dont look for other financial choices. Consumers always look for much return while bank always looks for low give-away. New customers can be a turning point for any bank. Demographical (e.g. adult, children, senior) products would be vital products to attract new customers. (Harris and Goode, 2004) New products and services Over time, new products must be channeled into banking business. Broader distribution if Islamic banking could be a important factor. It is seen that many nom-Muslims adopted for Islamic banking. Since there is trend of Islamic banking growth, the bank should not take the risk to risk the potential customers due to lack of proper preparation. Some of the products may be delivered to existing customers. Risk may incur if the products doesnt appeal the customers. (El-Bdour and Erol, 1989) (Gerrad and Cunningham, 1997) New delivery approaches Todays consumer seek more convenient service provider. Banks are not exempted indeed. Many banks had adopted special facilities for different customers. Priority banking could be one solution. In priority banking everyone is unique and therefore has very specific financial needs. Thats why bank will offer a comprehensive range of privileges for convenience. Setting up special services only for young generation can be another important product delivery approaches. Dedicated services will invite more young generation to adopt the services. However, it could cost the bank some extra amount and if the products are not selling well, bank will face loss of resources. (Yoon, Guffey, and Kijewski, 1993) (Mols, 2001) http://www.filecluster.com/screenshots/61893.gif New geographies Geographical expansion is one of the most powerful options for growth but also one of the most difficult. The bank already went global opening branches in Singapore and Vietnam. This strategy is proven fine for well reputed bank (e.g. Citibank) but it has to be cautious in business. Geographical movement may bring new customers with solid financial needs but the bank has narrow down the scope of services due to high risk. (Sanzo et al, 2003) New industry structure The bank may re-assert the liquidity franchise and continue to address the yield challenge. While economics of the business have changed, unlike other countries, pricing and credit spreads did not adjust in tandem in the Malaysia. The quality of strategic asset-liability management, liquidity and capital management differentiates. Re-asserting core businesses with efficiency, unit cost management, operating leverage, dynamic pricing as well as customer value or returns on each customer relationship. Cross-selling and customer service are key success factors. (Agrawal, 2001) New competitive arenas Using competitive arena, business may transfer their resources and knowledge to new industry using vertical integration. This may pose immense risk to bank itself. Bank may loose it all investment. Despite the risk, this will help the bank grows rapidly and spread their products throw many distribution channels. (Gronroos, 1997) Conclusion The pre- and post-crisis strategic postures are a tale of worldwide economic fall down. The postures are characterized by the scaling up of the business, refining value propositions in each business, responding to competition and price war, building new capabilities and strengthening the risk and IT infrastructure as the bank sought to incrementally improve our market share and positioning. (Hong Leong Bank, 2009) (Gustafsson, Johnson, and Roos, 2005) The era ahead is more opportunistic in nature, with a rapidly changing eco-system and higher regulatory and prudential requirements. The shadow of the state on the sector globally is more pronounced. (Auh et al, 2007) Overall, the banks competitive strategy has to pivot on a competitive delivery, consisting of quality people, knowledge base and result oriented capability, market intelligence and local community embedment, entrepreneurialism and how it organize itself to scale and build new names. As it emerges from the crisis, it needs to re-segment the customers to market changes and re-build a compelling proposition on how to scale sustainability while staying opportunistic tactically. (Auh et al, 2007) References Auh, S., Bell, S.J., McLeod, C.S., Shih, E. (2007), Co-production and customer loyalty in financial services, Journal of Retailing, Vol. 88 No.3, pp.359-70. Fombrun, C., Shanley, M. (1990), Whats in a name? Reputation building and corporate strategy, Academy of Management Journal, Vol. 33 No.2, pp.233-48. Gustafsson, A., Johnson, M., Roos, I. (2005), The effects of consumer satisfaction, relationship commitment dimensions, and triggers on consumer retention, Journal of Marketing, Vol. 69 No.4, pp.210-18. Harris, L.C., Goode, M.M.H. (2004), The four levels of loyalty and the pivotal role of trust: a study of online services dynamics, Journal of Retailing, Vol. 80 pp.139-58 Roberts, K., Varki, S., Brodie, R. (2003), Measuring the quality of relationships in consumer services: an empirical study, European Journal of Marketing, Vol. 37 No.1-2, pp.169-96. Sanzo, M.J., Santos, M.L., Và ¡zquez, R., à lvarez, L.I. (2003), The effect of market orientation on buyer-seller relationship satisfaction, Industrial Marketing Management, Vol. 32 No.4, pp.327-45. Shankar, V., Smith, A., Rangaswamy, A. (2003), Customer satisfaction and loyalty in online and offline environments, International Journal of Research in Marketing, Vol. 20 pp.153-75. Spreng, R.A., Chiou, J. (2002), A cross-cultural assessment of the satisfaction formation process, European Journal of Marketing, Vol. 36 No.7-8, pp.829-39. Yoon, E., Guffey, H.G., Kijewski, V. (1993), The effects of information and company reputation on intentions to buy a business service, Journal of Business Research, Vol. 27 pp.215-28. Porter, M E. (1985) Competitive Advantage: Creating and Sustaining Superior Performance, New York: The Free Press. Gronroos, C., (1997) Value-driven Relations Marketing: From Products to Resources and Competencies. Journal of Marketing Management, Volume 13, Number 5, p. 407-419. Agrawal, P. (2001), The relation between savings and growth: co-integration and causality evidence from Asia, Applied Economics, Vol. 33, pp. 499-513. Chen, T.Y. (1999), Critical success factors for various strategies in the banking industry, International Journal of Bank Marketing, Vol. 17 No. 2, pp. 83-91. Dannenberg, M. and Kellner, D. (1998), The bank of tomorrow with todays technology, International Journal of Bank Marketing, Vol. 16 No. 2, pp. 90-7. Filotto, U., Tanzi, P.M. and Saita, F. (1997), Consumer needs and front-office technology adoption, International Journal of Bank Marketing, Vol. 15 No. 1, pp. 13-21. Mols, N.P. (2001), Organising for the effective introduction of new distribution channels in retail banking, Europ

Faculty Competitiveness at a State University Essay

Not only that universities’ focus is onto students but also to each and every members of the state universities and from this, faculty members, staff and employees must be given due credit and importance for their worth helping each universities foster high quality education. PUP The University employs 1,483 full-time and part-time faculty members with a few of the full-time faculty holding administrative positions. There are 707 regular and casual administrative employees who provide support services to the University population. The faculty spend two-thirds of their time in teaching and one-third in research and extension activities. Awards Received: †¢It was recognized as a Centre for the Expanded Tertiary Education Equivalency and Accreditation Program, which allows the PUP to confer degrees on many professionals who have yet to obtain their baccalaureate degrees after enrolling in a non-traditional structure course of learning. †¢President Gloria Macapagal Arroyo proclaimed PUP as Philippine National Comprehensive University in 2004, during the university’s centennial. †¢The PUP has obtained recognition as a Centre for Development in the field of Information Technology from the Commission on Higher Education. †¢Named as the Virtual Centre for Technology Innovation by the Department of Science and Technology. †¢The university was deemed the First Cyber University IT Park in the Philippines by the Philippine Economic Zone Authority. †¢Ave Perez Jacob – Palanca Awardee, Writer †¢Domingo De Guzman, Lecturer – Palanca Awardee, Psychoanalyst UP Almost 26. 6 per cent of its faculty have doctorate degrees and 36. 2 per cent have master’s degrees. The rest are working on their graduate studies. Awards Received: †¢Dr. Caesar Saloma, Dean of the College of Science, UP Diliman was awarded the ASEAN Outstanding Scientist and Technologist Award. The awarding took place during the 8th ASEAN Science and Technology Week held in Manila on July 7, 2008. The award is given every three years. †¢Dr. Walden Bello, a professor of Sociology at UP Diliman, received the Outstanding Public Scholar Award for 2008 from the International Political Economy (IPE) Section of the International Studies Association (ISA). He is only the second person to receive the award, the first being Dr. Susan George of France in 2007. George wrote the book How the Other Half Dies, which deals with global hunger. Bello received the award on March 28, 2008 during the ISA’s 49th annual meeting in San Francisco, California. †¢Wayne Dell Manuel, a software developer at the National Telehealth Centre of the University of the Philippines, bested more than 700 other international contestants to win the Google Map Maker Global Competition. The contest encourages Google Map users from around the world to map universities, schools and hospitals to enable humanitarian organizations to navigate countries during times of crisis. ? †¢Lourdes Cruz, a professor at the Marine Science Institute of the University of the Philippines in Diliman, Quezon City is one of the recipients of the 2010 L’Oreal-UNESCO Awards in the Life Sciences, for discovering the use of snail toxins to study brain functions. She is one of five exceptional women scientists in the world to be awarded by the UNESCO on March 4, 2010, in Paris, France. †¢Filipino environmental advocate and UP College of Law professorial lecturer, Antonio Oposa Jr. was among the recipients of the prestigious Ramon Magsaysay Award for â€Å"his path breaking crusade to engage Filipinos in acts of enlightened citizenship that maximize the power of law to protect and nurture the environment for themselves, their children, and generations still to come. † Awarding ceremonies was held at the Cultural Center of the Philippines on Aug. 31, 2009. †¢Prof. Matthew M. Santamaria of the UP Asian Center was among the eight professors and students who made up the Philippine delegation to the Shanghai Theatre Expo 2009. The delegation, headed by Prof. Ricardo Abad of Ateneo de Manila University and Nick Lizaso of UNESCO ITI-Philippines, represented the country in the scheduled â€Å"Theme Workshops. † †¢Distinguished writer and UP professor Jose â€Å"Butch† Dalisay Jr. became the first Filipino to participate in the PENÃ'Ž World Voices Festival of International Literature, a gathering of about 160 writers from more than 50 countries, held from April 27 to May 3, 2009. EARIST EARIST in its 10 colleges consists of 400 faculty members and staffs. 350,000 Alumni members are presently working in the different fields of discipline all over the world with special mention; in the USA, Europe, Asian countries, and in the Philippines as Government Officials such as; Secretary, Deputy Secretary in the Philippine Cabinet, Senate, member of the Congress, etc. Recognition: †¢Baccalaureate College for Liberal Arts †¢Comprehensive Teaching and Baccalaureate University Level II †¢Graduate Capable HEI’s Level III †¢(Results of the CARNEGIE 2003 Classification Evaluation on the Typology of Philippine Higher Education) †¢Awarded Level II Status in the fourteen Degrees Programs (Accrediting Agency of Chartered Colleges and Universities in the Philippines) †¢Rated SUC Level II by CHED-DBM-PASUC Leveling EvaluationÃ'Ž SOURCES: http://www. pup. edu. ph/academic/colleges. asp â€Å"UP employee wins Google map contest,† Manila Standard Today, March 3, 2010. â€Å"Science prof chosen for UNESCO award in the life sciences,† Philippine Star, October 25, 2009. â€Å"Environmentalist wins Ramon Magsaysay Award,† Manila Standard Today, August 4, 2009. Manila Bulletin, June 5, 2009. â€Å"First Filipino in PEN World Voices Festival in New York,† Manila Bulletin, May 23, 2009.

Hearing and Visual Impairments Essay

Understanding the struggles that hearing and visual impaired people go through has to be a tough challenge for them. Using their senses and other abilities to comprehend and communicate is truly extraordinary. They live their lives to the fullest and do not want anyone’s sympathy. Learning about how visual impairments take place must not be noted until we find out how a person can see. There are three functions for seeing: optical system, muscular system, and the nervous system, all play a role in how a person uses their vision. According to the IDEA, (Individuals with Disabilities Education Act), any human being whose vision is 20/200 or less is considered legally blind (Heward, 2013). The educational definition when referring to learning states, an impairment in vision that disrupts a child’s ability to succeed in educational performance. Damage to the optical, muscular or nervous system can cause a visual impairment. Types of visual impairments include cataracts, color blindness and glaucoma. When it comes to academic achievement students will not be left behind when it comes to visual impairments. For students who are blind the use of braille is the way of reading and writing in which letters numbers and words are in arrangements of raised dots on the book or paper. Computers have special keyboards for students with visual aids so that the use of technology is not taking away from the student. Students with low vision have the options of optical aids where magnification plays a huge role in helping the student see. Hearing Impairments A person has the ability from gathering sounds from the environment and transforms that energy into a form that can be interpreted by the brain  (Heward, Hearing and Visual Impairments 3 2013). Hearing impairments may be the hardest of the five senses to understand. There are factors involved that are not completely understood by scientist and doctors. The IDEA defines hearing impairments as, a hearing loss that is so traumatic, that the child is impaired by understanding sounds and what they stand for, rather with sound or not, and affects a child’s work in school. A person who is deaf cannot hear what a person is saying to them without the use of hearing aids, reading lips, or sign language. People that are considered hard of hearing can comprehend things with the use of devices such as hearing aids. There are different types of hearing impairments that cause hearing damage. Conductive hearing loss has to do with damage to the outer or middle ear. Sensory hearing loss has to do with a disturbance to the cochlea that affects hearing. Neural hearing impairment is damage to the auditory nerve pathway (Heward, 2013). Hearing impairments can be caused by several factors: ear wax buildup, noise exposure, genetic factors, and meningitis. Things that can help students who suffer from hearing impairments in school are being improved every day. Technology such as hearing aids, cochlear implants, television and movie captioning. The thing that I feel is most important to hearing impaired students is the use of sign language. The fact that the use of sign language interpreters in the classroom has increased over the years is a sign that people see the positives in using the interpreters for success. In conclusion, technology has had a big hand in helping the hearing and visual impaired reach astronomical success in the classroom and outside the classroom. Although they still have their struggles in society it has improved a great deal from the early centuries. Hearing and visual impaired do not believe they have a disability and with good reason they should not. They can do anything they set their mind to and with good reason due to the advancements we have made as a society. Reference Exceptional Children: An Introduction to Special Education, Tenth Edition, by William L. Heward. Pearson, 2013.