Role of Banks

THE UNIVERSITY OF ADELAIDE SCHOOL OF BUSINESS NAME : TRANG THI KIEU HO STUDENT ID : 1613946 CLASS: TUTORIAL 13 (12339) Banks play a central role in the economy, they create and maintain the flow of money between surplus and deficit unit and by this facilitate the process of production, distribution, exchange and consumption of wealth. If there were no bank activities, a large of amount of capital of the economy would be idle. Hence, banking activities are vital for the development of an economy.Another function of the bank is risk spreading. They transform risky asset ( loans) to less risker liabilities ( deposits). They also conduct maturity transformation or liquidity providing function. Banks pool of short-term deposits and then give out long-term loans. They can do this base on the theory that different investors have different liquidity preferences. Hence, when banks do not work properly, it will affect the whole economy. In conclusion, a strong banking system is very important for an economy.I think it is necessary to regulate the banking system because lack of regulation can result in some banks taking excessive risks and getting into trouble. A problem in banking system can affect the whole economy. In fact, some economist said that one of the reasons that led to the global financial crisis is the lack of regulation in financial system. Hence it is necessary to have more regulation to keep the banks working properly. Too much regulation, however, will decrease the competition in financial sector, the big will get bigger and the small who cannot compete will not be able to survive.Competition between banks forces them to keep the interest margin low to compete. It also helps banks to have incentives to create innovation to work better and make more profit. This will bring much benefit to investors and borrowers. For all of these reasons, I think that we should have enough regulation to keep the banks working properly and avoid another crisis but not stri ct regulation so that not to decrease competition in financial system.

Standard Operating Procedure (Sop)

STANDARD OPERATING PROCEDURE (SOP) A Standard Operating Procedure is a document which describes the regularly recurring operations relevant to the quality of the investigation. The purpose of a SOP is to carry out the operations correctly and always in the same manner. A SOP should be available at the place where the work is done. A SOP is a compulsory instruction. If deviations from this instruction are allowed, the conditions for these should be documented including who can give permission for this and what exactly the complete procedure will be.The original should rest at a secure place while working copies should be authenticated with stamps and/or signatures of authorized persons. In the case of Delima Enterprise Sdn. Bhd. There should be several SOP which is: 1. An authorization a. En. Zayed should be the one who control decision on planning of the company while Pn. Hashimah could control decision on financial of the company. b. There should be one person who authorize each dep artment and have one assistant. c.The company could hire someone with more experience to guide Cik Amy. 2. Record Bookeeping a. All the documents of transaction happened must have another copy for other departments. b. All the copies & documents must be properly kept and numbered. 3. Internal Control a. Pn. Hashimah must concentrate on financial control and segregate other duties to someone else. b. Install new punch card system. c. Send all staff to the training. d. Recruitment and hire an experience person.

Methods of Birth Assesstment

Damien Gatson Psy -225 Human sexuality Jimletta Vareena-Thomas August 05, 2012 Methods of Birth Assessment Childrearing is the one of the most crucial times in a mother’s and father’s life and is An journey into parenthood that finally turns into a journey of becoming an adult. The Child birthing practice allows us to decide on which birth methods we prefer, but some childbearing are not by choice. There are much that has been written about childbearing practices, whether it; the wrong way or the right way, which also chosen by different culture.Personally child bearing changes have changed and are unalike in different cultures. There are some differences that are quite intemperate and obvious whereas others are definitely more subtle, despite there are apparent differences, and there are similarities that are inherent when it comes to giving birth. The delivery of a baby is one of life’s most valuable moments, and the view of a new life. Labor can also be an unp leasant, painful, and can bring the feasibility of difficulty or problem for both mother and baby. The birthing of a baby is a process that requires intervention from a medical rofessional facility which help guide the mother through labor and delivery. That’s why they have different methods of birth assessment that is out there like vaginal birth and cesarean which are both done in the hospitals or birthing centers. It is very important to always be ready and make preparations, to prepare a birth plan before coming to the hospital and let the staff be aware of your preference of choices. Sometimes prior to your arrival there or a written birth method plan that might be pre-approved by your OB-GYN due to certain health issues, to ease he stress for the mother and her baby during labor. There is no guaranteed way to fore see the future or what the birthing will be like no matter which choice is selected. That is why it is important to think about all or questions on the list a nd things that are important to you in making any health care decision unless otherwise. Like natural birth for most upcoming mothers, a natural birth help increase The probability of a healthier and easier recovery, which can be caused by post-intervention. The positive part of natural child birth allows for the baby and the mother to experience a atural birth also help reduces the exposure to all the narcotics drugs, being hook up with IV lines, or headache and backache due to a possible side effect of epidurals that is given through labor. Also the pros with natural childbirth also lessen the likelihood of separating the mother from her child allows the mother and the infant to have a natural bond and being able to have immediate contact and have a successful breastfeeding bond after giving birth. The most important event that your partner can be involved in the process to help guide you with breathing exercises, and visualization.The cons of natural childbirth is experiencing th e Natural childbirth which is painful, and a scary experience which does not eliminate pain and allows the mothers to feel very connected with childbirth from the pushing that comes with the labor The only choices that the mothers have Is the choice of the different breathing techniques, certain meditation, and changing of their positions to help lighten the pain that they feel during delivering. Natural labor can lead to longer intense labor which most mothers have low toleration for pain and causes weakness through the process of pushing and affect both the other and the baby with complication situations and loss of blood. The other form of birth methods has some benefits of planning a C-section which knows the scheduled date ahead of time from your Ob-Gyn. Also for those mothers who look forward to this special day, but also being prepared, a having scheduling a Cesarean until instead of waiting to go into labor which can make childbirth seem much more can make child more easy. S ince there is no way to control the act of natural labor will happen to place before scheduled date. One of the main objectives is to preserve the vaginal.Which is common since once you give childbirth the body goes through changes? Like there are signs that one can experience when having a vaginal birth like feeling an unconfined leakage of urine even not able to control your bowel movements which result from vaginal birth. When having Contractions during labor there are signs which can cause severe distress, which many of us would choose to avoid if possible. Additionally, though the soreness after a Cesarean is far worse than the aching and soreness following a vaginal delivery because the incision has to heal and you’ll be sore.If the avoidance can be allowed this will enable a better child birth and on the other hand there may be times that other methods may be necessary. There may be certain times that a different birthing method may help prevent complications due to me dical reasons like a baby that is in a breech position or when a mother and a baby are having complications such as hypertension, diabetes, STD’s, herpes, and HIV. These methods can have severe difficulty and emotional although doctors agree to these methods they can have serious birthing complications due to medical and family history .They have tremendous complications and different emotional and physical effects and should be taken into consideration and should be consulted with a medical professional. Also C- sections are done in a life-saving surgical procedure that saves the lives of many babies and their mothers, doctors give their medical input on how women should give birth. The cons of cesarean is that many cesarean sections are unnecessary and how the average hospital charges are much greater for cesarean than vaginal birth, and may offer hospitals scope scope for rofit. Many cesarean sections are unnecessary hospital charges are much and how sections are unnecessa ry and how costly for cesarean than vaginal birth. Women who have cesarean need to stay in the hospital for more days to make sure the mothers are healing correctly and to be able to get to their normal route and also a cesarean can take longer to feel back to themselves. There are increased risks of breathing problems for the baby that have been shown through the process of labor and vaginal deliveries and that it helps babies' lungs evelop so that as soon as they are born, they can breathe on their own. Without going through labor, babies after planned C- sections are more likely to suffer from respiratory distress syndrome or other breathing complications. Premature babies are also more likely to have breathing problems due to incompletely developed lungs. One way to reduce the chances of this is to be sure to schedule the C-section for no earlier than 39 weeks of pregnancy. There are always certain risks in some pregnancies. If a woman plans to have more than one child, it is mp ortant to know that having a C-section for the first baby most likely guarantees that the rest of the children will be delivered by C-section. After each operation, the body forms scar tissue or adhesions during the healing process. This makes each subsequent surgery that much more difficult and more risky. Therefore, C-sections by choice are not the ideal solution for every woman. Reference http://www. livestrong. com/article/12132-cesarean-section-choice-pros-cons/#ixzz22j4e6kPf http://www. ehow. com/about_6632752_child-rearing-practices. html#ixzz22iip5Vts Methods of Birth Assesstment Damien Gatson Psy -225 Human sexuality Jimletta Vareena-Thomas August 05, 2012 Methods of Birth Assessment Childrearing is the one of the most crucial times in a mother’s and father’s life and is An journey into parenthood that finally turns into a journey of becoming an adult. The Child birthing practice allows us to decide on which birth methods we prefer, but some childbearing are not by choice. There are much that has been written about childbearing practices, whether it; the wrong way or the right way, which also chosen by different culture.Personally child bearing changes have changed and are unalike in different cultures. There are some differences that are quite intemperate and obvious whereas others are definitely more subtle, despite there are apparent differences, and there are similarities that are inherent when it comes to giving birth. The delivery of a baby is one of life’s most valuable moments, and the view of a new life. Labor can also be an unp leasant, painful, and can bring the feasibility of difficulty or problem for both mother and baby. The birthing of a baby is a process that requires intervention from a medical rofessional facility which help guide the mother through labor and delivery. That’s why they have different methods of birth assessment that is out there like vaginal birth and cesarean which are both done in the hospitals or birthing centers. It is very important to always be ready and make preparations, to prepare a birth plan before coming to the hospital and let the staff be aware of your preference of choices. Sometimes prior to your arrival there or a written birth method plan that might be pre-approved by your OB-GYN due to certain health issues, to ease he stress for the mother and her baby during labor. There is no guaranteed way to fore see the future or what the birthing will be like no matter which choice is selected. That is why it is important to think about all or questions on the list a nd things that are important to you in making any health care decision unless otherwise. Like natural birth for most upcoming mothers, a natural birth help increase The probability of a healthier and easier recovery, which can be caused by post-intervention. The positive part of natural child birth allows for the baby and the mother to experience a atural birth also help reduces the exposure to all the narcotics drugs, being hook up with IV lines, or headache and backache due to a possible side effect of epidurals that is given through labor. Also the pros with natural childbirth also lessen the likelihood of separating the mother from her child allows the mother and the infant to have a natural bond and being able to have immediate contact and have a successful breastfeeding bond after giving birth. The most important event that your partner can be involved in the process to help guide you with breathing exercises, and visualization.The cons of natural childbirth is experiencing th e Natural childbirth which is painful, and a scary experience which does not eliminate pain and allows the mothers to feel very connected with childbirth from the pushing that comes with the labor The only choices that the mothers have Is the choice of the different breathing techniques, certain meditation, and changing of their positions to help lighten the pain that they feel during delivering. Natural labor can lead to longer intense labor which most mothers have low toleration for pain and causes weakness through the process of pushing and affect both the other and the baby with complication situations and loss of blood. The other form of birth methods has some benefits of planning a C-section which knows the scheduled date ahead of time from your Ob-Gyn. Also for those mothers who look forward to this special day, but also being prepared, a having scheduling a Cesarean until instead of waiting to go into labor which can make childbirth seem much more can make child more easy. S ince there is no way to control the act of natural labor will happen to place before scheduled date. One of the main objectives is to preserve the vaginal.Which is common since once you give childbirth the body goes through changes? Like there are signs that one can experience when having a vaginal birth like feeling an unconfined leakage of urine even not able to control your bowel movements which result from vaginal birth. When having Contractions during labor there are signs which can cause severe distress, which many of us would choose to avoid if possible. Additionally, though the soreness after a Cesarean is far worse than the aching and soreness following a vaginal delivery because the incision has to heal and you’ll be sore.If the avoidance can be allowed this will enable a better child birth and on the other hand there may be times that other methods may be necessary. There may be certain times that a different birthing method may help prevent complications due to me dical reasons like a baby that is in a breech position or when a mother and a baby are having complications such as hypertension, diabetes, STD’s, herpes, and HIV. These methods can have severe difficulty and emotional although doctors agree to these methods they can have serious birthing complications due to medical and family history .They have tremendous complications and different emotional and physical effects and should be taken into consideration and should be consulted with a medical professional. Also C- sections are done in a life-saving surgical procedure that saves the lives of many babies and their mothers, doctors give their medical input on how women should give birth. The cons of cesarean is that many cesarean sections are unnecessary and how the average hospital charges are much greater for cesarean than vaginal birth, and may offer hospitals scope scope for rofit. Many cesarean sections are unnecessary hospital charges are much and how sections are unnecessa ry and how costly for cesarean than vaginal birth. Women who have cesarean need to stay in the hospital for more days to make sure the mothers are healing correctly and to be able to get to their normal route and also a cesarean can take longer to feel back to themselves. There are increased risks of breathing problems for the baby that have been shown through the process of labor and vaginal deliveries and that it helps babies' lungs evelop so that as soon as they are born, they can breathe on their own. Without going through labor, babies after planned C- sections are more likely to suffer from respiratory distress syndrome or other breathing complications. Premature babies are also more likely to have breathing problems due to incompletely developed lungs. One way to reduce the chances of this is to be sure to schedule the C-section for no earlier than 39 weeks of pregnancy. There are always certain risks in some pregnancies. If a woman plans to have more than one child, it is mp ortant to know that having a C-section for the first baby most likely guarantees that the rest of the children will be delivered by C-section. After each operation, the body forms scar tissue or adhesions during the healing process. This makes each subsequent surgery that much more difficult and more risky. Therefore, C-sections by choice are not the ideal solution for every woman. Reference http://www. livestrong. com/article/12132-cesarean-section-choice-pros-cons/#ixzz22j4e6kPf http://www. ehow. com/about_6632752_child-rearing-practices. html#ixzz22iip5Vts

Edit Annotated Bibliography Essay Example | Topics and Well Written Essays - 500 words

Edit Annotated Bibliography - Essay Example According to Platt, the piece uses caricature images painted in different colors and showing the state of misery. Platt argues that the different colors represent different racial groups which seem to be in disagreements. In my interpretation of the artwork, the images are painted in yellow and brown color. These colors portray the existence of racial color between two groups of people. The yellow color represents the Japanese people while the other color represents the white westerners. Furthermore, it has been a custom for the westerners to refer the complexion of Japanese as being yellow. There is a similarity between my interpretation and that of Platt’s because the notion of colors used on the painting reveals racist stereotype in America. In his article Graves claims that Yellow terror artwork portrays chaos in a region consisting two different groups of people that are in disagreement. The author claims that there are Japanese images that look to be in a state of oppression. On the other hand, he talks of people in snake and rat images that represent the other group of people; the American people. Metaphorically, this implies that the group is poisonous and full of hatred towards the Japanese people. In addition, Graves talks of some Japanese with elephant ears used for spaying. This implies that the Japanese people feels that the whole structure of Japanese American society do not comfort them because of oppression. Upchurch claims that Roger Shimomura’s art work mainly focuses on the World War II Propaganda. The author argues that the ‘yellow terror’ artwork is an inspiration from the artist’s family history. According to the author, Roger was born and raised in Japanese American society. All the images included in the artwork are reflection of the negative experience he encounters in his childhood. During World War II the social groups were divided in terms of

Viable Research Topic Assessment And Information Source Evaluation Paper

Viable Topic Assessment And Information Source Evaluation - Research Paper Example ach my Research Proposal as a business plan of Payday Loan services to convenience stores, this are institutions providing credit services among other business functions. This topic is of great value as most people run out of cash from time to time during shopping; from the business point of view they are considered as potential target customers for the business (Miller, 2012). The business plan shall focus on the essential areas that make up a good and successful startup business. This information can be of great importance to the student thus useful for future endeavors. There are enough resources that will help during development of such a plan (Brooks & Dunn., 2009). With some guidance from other people the information can be helpful to present and future employers for reference, the same information can be obtained from libraries and other government resource centers online. With substantial information one is able to understand how to write a business plan of a professional sta ndard, by knowing the common elements of business plans. With a number of samples at hand one is enabled to write a professional plan (Harold & Heinz, 2008). The plan shall include the business structure of the company both in size and complexity. It shall also focus on the sources of funding for the business, the company description that is for this case it shall be lending institution that will more different from the banks, that is faster services and cheaper to the customers in terms of interest charges (Ireland, Hitt, & Hoskisson, 2009). The plan shall include the rules governing the services, the ways to earn income and also the procedures of hiring employees to the company. Licensing and other legal guidelines in the industry as set by the government shall be also an essential component of business plan (Braswell, R.McCarthy, & McCarthy, 2012). The main benefits of the payday loan services to customers is to save time used to process loans in banks, save money through the

JP Morgan's scope of global operations, location of major foreign Research Paper

JP Morgan's scope of global operations, location of major foreign subsidiaries , their activities, and share in global revenues - Research Paper Example nd Chase brands, the bank has gained millions of customers across the worlds’ most prominent institutional, corporate and government clients (Oshri, et.al p.76). The firm has made an oversea priority by expanding its operations globally. JPMorgan Chase gets almost quarter of its revenue from the foreign operations by having branches outside the United States. The company focuses on mainly in West Europe as it main target for international operation by investing in banking and treasury services (Mergent Industrial Manual, p.167). Although the company has faced major competition from big banks such as HSBC and Standard Chartered that has toeholds in emerging markets, it subsidiaries are still performing good. For example, the Citigroup has been rank to derive almost 60 percent of its revenue from overseas market and has also recorded good performance in China and India for decades (Loosvelt, p.34). The bank had been laying the groundwork for international expansion for sometimes and its now planning to open more branches in China, Russia and India. The bank assigned two top lieutenants to explore out the potential consumer overseas (Kumar, p.167). The bank created a network of global adviser that included Tony Blair the former British prime minister and established a partnership with buyout firm to hunt for overseas acquisitions. Due to the global credit crisis, the plans were postponed but the top executives are committed to bolstering the bank’s overseas business. The market plans to focus on a dozen of emerging markets that includes Brazil, Russia, India, and China as well as places like Indonesia, Malaysia, Vietnam and parts of Africa (Nelsons Directory of Investment Research, p.178). The company has  set several strategies  that have increased the bank’s international portfolio. For instance, the company has purchased trading units from the Royal Bank of Scotland. The company has greater plans to buy one of the Brazilian asset management firm known as

Tube Feeding Question and Obituary Research Paper

Tube Feeding Question and Obituary - Research Paper Example The research paper "Tube Feeding Question and Obituary" talks about the educated response to the tube-feeding question. The patient’s condition is terminal and she has not shown any sign of relieving symptoms. Even though feeding tube is able to prolong the patient’s life, you should not put the patient on the artificial feeding because of the involved risks of using feeding tube and benefits of allowing the patient to die a natural death. Moral and clinical factors inform this position. Ethically and as the authority over the patient who is already confused and disoriented, you need to minimize pain to the patient, to yourself, and to the children. The death of the patient is evident and the associated pain will be felt, regardless of the time at which the patient dies. Life of the patient should not be the primary factor in the decision. Deciding not to use the feeding tube only amounts to allowing the natural death process and not contributing to the patient’s death. A legal consideration also allows for the withholding of feeding tube and this also justifies the proposed decision. Even though failure to use feeding tube may induce pain to the patient, owing to the fact that she is able to respond to her environment, the level of pain can be managed. Using the tube may prolong the patient’s life but it has many disadvantages, some of which could end the patient’s life and render the tube effort useless. The patient will likely suffer from chest congestion and fluid buildup in her throat.