Describe the development of India's financial sector over the last Essay

Describe the development of India's financial sector over the last decade. Support your claims with as much as data possible - Essay Example n India 2003-04, talks about the appropriate timing of the entry of foreign banks into India so as to be co-terminus with the transition to greater capital account convertibility (Thankur, 1990). This shows that the economic policy establishment in India, including the RBI, has not drawn adequate lessons from the experiences of the financial crisis-affected countries. Besides, banks are the principal risk carriers in the system, taking in small deposits that are liquid and making relatively large investments that are illiquid and can be characterised by substantial income and capital risk. The observed tendency among some promoters or boards of banks to divert a substantial share of its deposits into speculative activities in which the promoter or board may be interested or into investments that are risky but promise quick returns, can increase financial fragility, lead to bank failures and if the magnitude of the failure is serious enough, can actually precipitate crisis for the entire financial system (Thankur, 1990). Instances in India such as the Nedungadi Bank and the Global Trust Bank are the harbingers of what may follow if reckless deregulation of the banking sector is carried out. In fact, the experience of recurrent financial crises in the 1990s, most famously the East Asian experience, has shown how banking deregulation along with capital market liberalization often serves as recipes for financial turmoil in developing countries (Desai, 1987). Many guidelines have stated among other things that no single entity or group of related entities would be allowed to hold shares or exercise control, directly or indirectly, in any private sector bank in excess of 10 % of its paid-up capital. Recognising that the 5th March notification by the Union Government had hiked foreign investment limits in private banking to 74%, the guidelines sought to define the ceiling as applicable on aggregate foreign investment in private banks from all sources (FDI, Foreign

The Successful College Lecturer Assignment Example | Topics and Well Written Essays - 3000 words

The Successful College Lecturer - Assignment Example Humanism is usually effective in cases where the learners need to use their common senses to judge problems being asked by the teacher or instructor. Among the rest of the theories that explain ethical philosophies, humanism is regarded as the best of them all when it comes to learning. Learners in their childhood stages are able to appreciate human nature, thereby giving them an opportunity to learn faster when they are in class. Humanism advocates for people to seek what they need to know by themselves as opposed to seeking them either from revelation or mysticism1. The effectiveness of this philosophy in terms of contributing to learning situations is good and need to be emphasized. It is believed that humanism allow people to think for themselves and are able to challenge any form of 'thinking' as they wish without fear It is also referred to the 'learning perspective'. The proposition of thinking, feeling and acting are normally regarded as the 'behaviours' of that person. The behaviours one develops either by imitation or taught affect the persons learning ability. In psychology, it is said that the behaviour of a human being are related to the environment they live in and this will contribute significantly on the learning ability of the persons. Behaviourism as in the way people act, is considered the easiest way to teach people what they should do and how to do it. Whether the results of the action will be right or wrong depends on the humanistic philosophy stated above2. The effectiveness of behaviourism is rated the second after humanism. This is because, the behaviours one achieves may as well be acquired from the same classroom or teaching space that is in question. Constructivism Any assumptions made on the natural being of people's learning that guides their learning methods and theories are called constructivism. Constructivism takes puts more emphasis on appropriate teacher -supported learning developments in an educational environments. It also gives an opportunity to each of the learners to develop their own unique background-achieved abilities towards their learning processes. In this case, the learner is seen as complex being with multidimensional cognition and acknowledges it as part of the integral process of learning. It therefore encourages, rewards and maintains it as a tool for use in learning. Constructivism also dictates how the learner socially interacts with other people within the society with a view to gain a learning experience through them. The vulnerable members of the learning community including the young children develop their abilities to think through the interaction with other children and the physical environment at large. It also motivates the learner to seek more and more knowledge from various sources making it very effective when it comes to teaching practices. Learners are ready to learn through all ways and that their motivation directly comes from their confidence and competencies. This helps teachers to link up their teaching contents with the level of developing the leaner is undergoing at the moment. Learning styles Majority of the people favour some particular forms of interactions3. These forms of interaction are learning styles that represent how best an individual can be able to adopt a specific method of learning suitable to him or her. There are four basic learning styles; Learning by seeing Learning by hearing Learning by processing text Learning by doing

Business Research Methods Part 3 Term Paper Example | Topics and Well Written Essays - 250 words

Business Research Methods Part 3 - Term Paper Example Another potential challenge lies in data collection and analysis. Sometimes the data might be outdated or the researcher may not be able to collect comprehensive data to carry out research. Another challenge is to prioritize and filter information from the data – both qualitative and quantitative. The researcher needs to abandon redundant information and include only those which are relevant to his or her research (Sittig et al, 2008). There may be several methods which a researcher may employ in order to reduce the challenges and increase the authenticity of data used in research. Here the researcher has conducted both qualitative and quantitative methods to analyze the healthcare dilemma in American households. One of them is to involve iterative methods and the refinement and development of analogies, typologies and other methods to analyze data (Fitzpatrick & Boulton 1996). This is extremely important especially when qualitative methods of data collection are employed. The researcher may be biased or the participants may be biased in providing their observations and answers. Hence, conducting iteration is one way to reduce such bias in data analysis. Another way to authenticate and validate the data collected in research is to properly prioritize and sort out the data.

Marketing Process Model by Robert J Dolan Dissertation

Marketing Process Model by Robert J Dolan - Dissertation Example Customer Acquisition 10 2.10. Customer Relation 10 2.11. Profits 11 3. Conclusion 11 References 13 Appendix 14 1. Introduction 1.1 Objective Current paper focuses on the examination of the various aspects of the Marketing Process Model, as developed by Robert Dolan in 1997. The effectiveness and the practical implications of the particular model are analyzed by referring to the literature that has been published in regard to the specific subject. 1.2 Methodology The literature related to the Marketing Process Model has been reviewed for identifying the elements and the role of the particular model. Effort has been made so that only academic journals are used, so that the credibility of findings is secured. 1.3 Limitations The value of marketing in enhancing business performance cannot be doubted. However, the choice of appropriate marketing strategy can be a challenging task for most marketers worldwide. Two are the key reasons for the above phenomenon: the continuous alteration of t he modern market and the lack of skills of individuals involved in the particular activities. The use of marketing models that have been widely used in the international market can help a firm to avoid failures, at least major ones, in regard to its marketing plans. From this point of view, the use of the Marketing Process Model could secure the growth of organizations operating in different sectors. However, not all aspects of the particular model have been carefully reviewed in the literature. Due to this fact, not all implications of the above model are known. This study could help to understand clearer the value of Marketing Process Model and to identify the model’s aspects that should be further studied. 2. Literature Review 2.1. Marketing Process: Initial Considerations Marketing process is a quite complex one. According to the literature published in this field, there are different approaches for promoting a product/ service in a particular market (Jaakkola et al. 2010 ). The Marketing Process Model, as suggested by Robert Dolan, can offer a series of advantages: a) it can employ a high range of methods/ approaches, increasing the chances for success, b) it is flexible and can be appropriately alternated for meeting the needs of the target market, c) it has been widely used in practice, a fact that increases its credibility (Jaakkola et al. 2010). The particular Model, also known as B2B model, can be effectively used in different sectors and under different market conditions (Jaakkola et al. 2010). 2.2. Strategic Marketing Strategic marketing is a term used in order to describe a series of activities that need to be developed in order for a particular product/ service to reach the target market successfully without failures, either in terms of cost or in terms of time (Kotler et al. 2009). The difference of strategic marketing, compared to the traditional marketing, is that the former is highly based on various theoretical models and different app roaches for achieving the target described above (Kotler et al. 2009). These approaches and theories are analyzed in the sections that follow. 2.3. Customers analysis 2.3.1. Needs In marketing, efforts have been made so that the Maslow Hierarchy of Needs theory is used. The particular model can ensure that consumer will be keep motivated in using a particular prod

Major Favtors Essay Example | Topics and Well Written Essays - 500 words

Major Favtors - Essay Example In that case, the accounting practices in China focus on both the fair presentation of financial position and a conservative presentation. The reason behind a fair presentation is to meet the various needs and requirements of the stakeholders and the capital market. The conservative approach is targeting the banking sector, which has a direct access to financial information (Central Intelligence Agency). (b): Legal system – the legal system in China is coded. Coded laws seek to, exhaustively, envelop the existing laws and preserve their implication to match that of the time it was coded. For this reason, the Chinese accounting practices are highly, rigid, prescriptive, detailed and procedural. This kind of legal system requires that the national law regulate the accounting practices. For that reason, China engages in the preparation of two sets of financial statement. That is, the rigid and the adaptive type, to comply with different types of legal systems (Central Intelligence Agency). (c): Taxation – the system is linked to reflect the legal system. In China, the national laws regulate the taxation practices. In this case, the accounting and the taxation process are the same (International Federation of Accountants). (d): Political and economic ties - the basis of accounting practices is influenced by the external forces due to international relations. China has strong political and economic ties with Japan, whose legal system is codified. The ties have greatly influenced China’s financial reporting regime (International Federation of Accountants). (e): Inflation – the changes in the rate of inflation affect the commodity prices in countries. The financial figures should reflect the level of inflation in a country. However, in countries with a low rate of inflation, like China, the reported accounting figures rarely reflect the rate of inflation (Central Intelligence Agency). (f): Level of economic development – the economic development in

Love vs. Lust Essay Example | Topics and Well Written Essays - 1250 words

Love vs. Lust - Essay Example It takes the relationship to the next level and is provides relief to the soul. When a person is in love with someone he or she wants to share their feelings, thoughts and secrets with the other person; thus bringing them closer to one another. Love is a sort of commitment one has with another person, and it provides assurance that the people in love will support each other at all times and will face all conflicts together, instead of just giving up. (What is Love 2012) Love is something which cannot be bought or sold, and is totally independent. You cannot force a person to love you; neither can you force yourself to love another person. Love is spontaneous. It just happens, and we have no control over it. One cannot just stop loving a person, because once he or she is in love, it becomes almost impossible to let go. A person in love is ready to take risks for his or her loved one, and this is one of the finest qualities of love. A mother would risk everything for her child, because she loves her child. When a child is born, a mother lets go of all her enjoyment and other worldly things, in order to tend to her child and take care of the child. Love cannot be used as a bait to lure someone, nor can it be given as a reward. (Love Without Limits, 2012) When there is love between two people, there is a sense of security between them. They know that the other person will protect them and tend to their every need. They are even ready to make all sorts of sacrifices for each other. It is a complete sense of devotion to a person or persons, no matter what comes in their way. Besides, love cannot be measured neither can you measure the time period for which two people love each other. It can be months, years or you can spend your entire life loving someone. It can start or end in a flick. The decision to love someone doesn’t depend on your desires or hormones. (Love vs Lust 2012) Lust, on the other hand, is a short lived feeling of intense sexual desire for som eone. It is completely different from love. Like, a mother loves her child, while a person, on seeing someone attractive, can develop a feeling of lust towards him or her. It is basically being concerned that what the other person can provide us with and fulfills our desires. It is an intense feeling of pleasure and craving for self-satisfaction, which mostly means sexual intercourse. The concentration is mostly on fulfilling one’s desires. It can either be done by giving money or happens when a person sees someone he or she finds attractive. It is generally a feeling of arousal one senses when he or she spot someone appealing. So lust depends on looks and body of a person. One night stands, are also a sign of lust, in which two people engage in sexual intercourse, and leave in the morning without making plans of seeing each other again or having any sort of deep conversation. No real feelings are discussed and it is purely a physically intimate moment. (Lust vs Love: Do You Know the Difference?, 2012) Lust is also regarded as sort of a dangerous feeling, because it is very intense and a person wants to physically bond with the person he or she is attracted to. Lust can hinder with your thinking capability. It does not let one think straight or logically, because strong emotions one is feeling for another person to bond physically. It activates one’s sexual hormones, and the only thing he or she wants to do is to satisfy their sexual needs. This can be very

The Laramie Essay Example | Topics and Well Written Essays - 1500 words

The Laramie - Essay Example in which religion puts people apart in the play as paradoxically as it is through judgment and the feelings when he questions if his priest and father are right about their arguments against homosexuality. The questioning raises the difference between reality and religion as well as the statement of not giving the organized religion permission of the contents of the said character (Kaufman 21). Evident from the text is the ability to differentiate between religion and spirituality. The idea of well-established religion as well as that of orthodoxy as shown in a way that practices the singular notion of the best. Such traits are depicted by Reverend Phelps when he tries to make the matter of homosexuality be the one who questions whether ones allegiance to his God as it creates a setting that looks to separate individuals from "us or them" situation (Kaufman 32).  Moreover, such also is the same as it discourages the Muslim woman in the play as it awakens the social status of some townspeople simply because of the cultural traditions.   At such point, also, one can get the difference such regards the approach that separates individuals from religion does not represent all the established religions when Matts funeral is held in a Catholic church, the time where establishment of religion does look to bring people collectively. Moreover,  there are also other religions, which cannot really be ready for them to accept fully homosexuality, and as well as its implications on the clergy, given so they cannot respond in the way of Reverend Phelps.   The play makes the greatest statement on religious views of love together with compassion by the individuals as it is seen in the play.   Those who live in the town like Jedidiah work extra hard to reconcile the meaning being loyal to the town, and they also commit themselves to the fraternity by accepting all individuals living there. Romaine Patterson also willingness to remove the perception of "angels" 23 is a good