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FREE Free Will Determinism Essay
A Review of Systemic Lupus Erythematosus. Katherine M. Is Free Compatible Determinism Essay! Tromp, PharmD. Assistant Professor of Pharmacy Practice. Lake Erie College of Osteopathic Medicine School of Pharmacy. ABSTRACT: Systemic lupus erythematosus (SLE) is an essay, autoimmune disease that causes inflammation throughout the body.
SLE frequently impacts many organ systems, including the integumentary, musculoskeletal, nervous, and cardiovascular systems. Because of the widespread impact of SLE on the body, a variety of medications are used to compatible target the symptoms of the disease. Medications also have been developed that target the disease process. Although the home to you, prognosis of is free will, SLE has improved with the advent of better detection methods and enhanced treatment strategies, the need remains for uwa thesis a better understanding of the disease and more targeted treatment options. Systemic lupus erythematosus (SLE) is an autoimmune disease that impacts many body systems, with a wide variety of signs and symptoms in each patient. 1 Common symptoms include skin rashes, arthralgia, and fatigue; however, SLE can progress to serious organ involvement and end-stage renal disease.
Patients with SLE experience periods of minimal or no disease activity (remission) and periods of increased activity (flares). 2 Treatment of SLE helps patients remain in with essay a state of remission by preventing flares, and any flares that do occur are addressed quickly. Treatment options depend on the organ systems involved and costing the severity of with, symptoms. Kaizen Costing Case Study! SLE most commonly occurs in women of childbearing age. 2 The female-to-male ratio is estimated to compatible essay be 9 to 1. 3 It is estimated that 300,000 individuals in the United States have SLE. For College! 1 The prevalence is estimated to be about 52.2 per 100,000 persons. The incidence is higher in persons of African-American and African-Caribbean descent.
3. SLE is believed to develop as a result of genetic and environmental influences. Many genes have been linked to determinism SLE, and it appears that different genes may impact how the disease presents in individual patients. In particular, certain genetic mutations have been associated with lupus nephritis (LN). Specific genetic factors have been evaluated in terms of their relation to other disease manifestations, such as neuropsychiatric symptoms, cutaneous symptoms, hematologic symptoms, and uwa thesis library others.
4 Some of the best-studied genetic links are integrin-alpha M , Fc-gamma receptor, PRDM1-ATG5 , HLA-DR2, HLA-DR3, and TNFAIP 3 . 3,4. The best-studied environmental trigger is ultraviolet light, which worsens the cutaneous manifestations of the is free will compatible essay, disease. Additional environmental substances that have been linked to SLE include silica dust and petroleum. Hormones also appear to have an influence on resume format disease, with estrogen a possible cause of compatible determinism essay, increases in flares. Other potential causes include vitamin D deficiency, infections, and pesticide exposure.
3. SLE is a disease of many features. In the uwa thesis library, past, criteria developed by the American College of Rheumatology in 1982 and revised in 1997 were used to classify SLE. Since 1982, many different methods of classification have been developed. The most recent criteria were published by the Systemic Lupus International Collaborating Clinics (SLICC) in 2012. The SLICC criteria use a combination of clinical and immunologic features to determine whether a patient has SLE. Patients must have a total of four criteria, with at least one clinical feature and one immunologic feature. However, a patient with LN proven via biopsy as well as antinuclear antibody (ANA) or anti-dsDNA (double-stranded DNA) antibody testing would automatically be identified as having SLE regardless of any other clinical or immunologic criteria. Compatible With Determinism Essay! 1 Specific clinical criteria include serositis and dermatologic, oral, renal, neurologic, and hematologic symptoms.
Immunologic characteristics include high ANA and anti-dsDNA, presence of anti-Smith (anti-Sm) proteins, antiphospholipid antibodies (APAs), low complement, and direct Coombs test. It is not necessary that all four criteria be present at once; if the patient has a history of these criteria at varying times, that is sufficient for the classification. For College! 1 TABLE 1 delineates the SLICC criteria. In addition to the features noted in the SLICC criteria, patients with SLE frequently experience fatigue. The prevalence has been reported to be 50% to 90%, with 50% of patients stating that fatigue is the most debilitating feature of the disease. 5. Is Free Compatible With Essay! Because each SLE patient presents differently, the prognosis will depend on resume format the individual and the severity of his or her symptoms. In general, patients with extensive organ involvement have the is free with determinism, worst prognosis.
2 Patients with early disease onset also have poorer outcomes. The mortality risk continues to decline as advances in uwa thesis library therapy continue. A trial from 2009 suggested that the 10-year survival rate is 92%. 3. Is Free Compatible! Some patients have specific disease manifestations that identify them as having certain types of SLE. Format! These types include neuropsychiatric lupus, cutaneous lupus erythematosus, and LN. Will Compatible With Determinism! Each type of lupus has its own treatment recommendations. 2 LN is associated with higher rates of morbidity and mortality. 4 Owing to the frequent presence of APAs, antiphospholipid syndrome is kaizen case, a concern in patients with SLE. Will Compatible With Determinism! 2. There are many nonpharmacologic recommendations that can help patients better manage SLE.
Sunscreen: Many of the cutaneous manifestations of SLE are triggered by sunlight. It is what the word to you essay, important to recommend that the patient wear sunscreen daily. Is Free Will Compatible With Determinism! 2. Diet: Owing to the comorbid cardiovascular (CV) disease frequently seen in patients with SLE, diet is an active area of research. One trial examined a low-glycemic-index diet versus a low-calorie diet in SLE patients and found that both groups experienced weight loss, had no increase in disease activity, and demonstrated a significant decline in fatigue. 6 The trial, which lasted 6 weeks, did not show a significant change in CV or glycemic outcomes. Results of iitb format, a study evaluating several B vitamins and fiber suggested an inverse relationship between intake of determinism essay, vitamin B 6 and fiber and SLE activity. 7 Folate and vitamin B 12 also were examined in the study, but there was no benefit from dietary intake of these vitamins. The same authors also investigated vitamin C in a separate study and found that dietary intake had an inverse relationship with disease activity.
8. Psychological Support: Depression is a common comorbidity in SLE, and patients should be screened regularly. 3 Additionally, fatigue often impacts daily functioning. Support groups, counseling, and biofeedback are techniques that may be helpful for patients with SLE. 3,5. Exercise: Regular exercise helps patients with SLE achieve a better quality of life, including improving symptoms of iitb resume format, depression. 3 Routine exercise also benefits the common comorbidity of CV disease and helps combat SLE-associated fatigue. 5. Acupuncture: Small clinical trials evaluating the efficacy of acupuncture in patients with SLE have demonstrated improvements in fatigue and pain; however, a decrease in disease activity has not been proven. 5,8 Overall, clinical trials suggest a possible benefit in patients experiencing musculoskeletal pain; however, larger trials are needed to prove the advantage for compatible SLE.
8. Treatment options for SLE depend on the patient#8217;s symptoms and disease severity. Common treatment options include antimalarial agents, glucocorticoids, nonsteroidal anti-inflammatory drugs (NSAIDs), and immunosuppressive medications. 2. Hydroxychloroquine: This agent is costing case study, used for mild disease activity and disease maintenance. It is initially dosed at 400 mg once or twice daily. Will Compatible With Determinism Essay! After several weeks to network design essay months, depending on patient response, the lowest effective dosage is used (200 to 400 mg once or twice daily; some patients may be able to take even a lower dosage). 9 Hydroxychloroquine is most effective at treating cutaneous symptoms, arthralgia, and fatigue.
Prednisone: This corticosteroid is will compatible determinism, used for moderate-to-severe disease activity. The dosage depends on the severity of the activity, but usually ranges from 5 to what 50 mg daily. Prednisone addresses inflammation throughout the body. 3. NSAIDs: The NSAID class is administered for its antipyretic and is free compatible with anti-inflammatory properties. For this reason, NSAIDs are useful for treating symptoms of inflammation and fever. 3. Belimumab: Belimumab is a monoclonal antibody (Mab) that inactivates B-cell activating factor.
3 Belimumab, which is administered IV, is dosed initially at 10 mg/kg every 2 weeks for three doses. Does The Word Home Mean To You Essay! After the first three doses, the medication is is free will compatible with essay, administered at the same dosage every 4 weeks. 9 The most common adverse reactions include arthralgia, upper respiratory tract infections, headache, fatigue, and nausea. 10 Possible serious adverse reactions include infusion reactions and psychiatric symptoms including suicidal ideation. 5,11 Belimumab reduces the need for iitb resume corticosteroids and is effective against a variety of symptoms, such as musculoskeletal and serologic concerns. Is Free Will Compatible With Determinism Essay! 11 A recent meta-analysis confirmed the efficacy of belimumab in kaizen costing study combination with standard therapy versus standard therapy with placebo. 10. Azathioprine: This agent may be used for is free will compatible with essay moderate-to-severe disease, with the dose based on disease severity. 3 The dosage typically ranges from 1.5 to 2 mg/kg daily. 9. Methotrexate (MTX): MTX is used for moderate-to-severe disease, with the resume format, dose dependent on the severity of disease activity.
3 MTX has a starting dosage of 7.5 mg once weekly and is increased by 2.5 mg each week. The recommended maximum is 20 mg once weekly. 9 In particular, MTX is used for cutaneous and joint symptoms. Compatible With! 3. Mycophenolate mofetil: This medication is used for moderate-to-severe disease. The dosage ranges from buy papers for college 750 mg to 3 g, depending on disease severity. 3. Cyclophosphamide: Cyclophosphamide is used for severe disease activity and LN. Is Free Will Essay! 3 The dosage for LN is 500 mg every 2 weeks for six doses or 500 to 1,000 mg/m 2 once every 6 months for six doses. Other studies have administered 500 to 1,000 mg/m 2 every month for 6 months, followed by every 3 months for 60 months. 9. Cyclosporine: This agent is used for moderate-to-severe disease. 3 For LN, cyclosporine is for college, initiated at 4 mg/kg daily. After 1 month, the dose is titrated down by 0.5 mg/kg every 2 weeks to a maintenance dosage of 2.5 to is free 3 mg/kg daily.
9. Tacrolimus: This calcineurin inhibitor is used for LN and cutaneous symptoms. Study! 3 Tacrolimus has been used in clinical trials at a dosage of 0.05 to 0.1 mg/kg daily. 12,13 Topically, tacrolimus is used as a 0.1% ointment twice daily. 14. Leflunomide: Leflunomide is a disease-modifying agent that helps suppress the immune system. 3,9 A clinical trial studying the compatible with determinism, efficacy of network design essay, leflunomide used a loading dose of 1 mg/kg daily for 3 days followed by 30 mg daily. 15.
Many drugs for is free determinism essay the treatment of kaizen case study, SLE are in various stages of development. This includes novel medications, as well as agents that are currently approved for other indications. Some of the drugs in development are discussed next. Will Compatible Determinism Essay! 3. Buy Papers For College! B-cell Activity: Medications that are being studied to target B-cell activity include rituximab, epratuzumab, atacicept, and bortezomib. Currently, one medication that targets B-cell activity#8212;belimumab#8212;is approved. Rituximab, an Mab, causes B-cell depletion and has undergone numerous clinical trials evaluating its efficacy in SLE. Although several trials have failed to reach their endpoints, rituximab is often attempted if other options have failed. Rituximab may be more efficacious in patients with LN.
3 A clinical trial of atacicept has suggested a benefit; however, the arm of the trial that demonstrated a potential advantage was discontinued early owing to an increased risk of is free will determinism, infections. 16 Recent clinical trials of epratuzumab have demonstrated favorable results. 17. T-cell Activity: Potential SLE treatment options that inhibit T-cell function include abatacept, ruplizumab, toralizumab, and rigerimod. 3 Clinical trials investigating the use of abatacept have failed to meet their endpoints; however, they have demonstrated a trend indicating that the network design essay, drug may have some benefit, and more clinical trials are warranted. 3,11. Interleukin-6: Tocilizumab is an Mab that targets interleukin-6. A pilot study of tocilizumab suggested clinical and serologic benefits; however, the adverse reaction of dose-related neutropenia may limit the utility of this medication in is free will with determinism SLE. 11. Tumor Necrosis Factor- alpha Inhibitors: These agents are approved for other disease states, but they are being studied for for college their potential benefits in SLE. Is Free Will Compatible Essay! Two that currently are under investigation are infliximab and etanercept.
3. Type 1 Interferon (INF)- alpha Inhibitors: Two medications that work as type 1 INF-alpha inhibitors are sifalimumab and rontalizumab. A recent phase IIb trial suggests a potential benefit of kaizen costing case study, sifalimumab for SLE, although there is an compatible with, increased risk of infection. Does The Word Home Mean To You! 18 A phase II trial found rontalizumab to be safe; however, it failed to meet efficacy endpoints. 19. Complement Inhibitors: Eculizumab is a drug that inhibits complement. 3 Several studies of eculizumab have suggested a possible benefit for thrombotic microangiopathy, antiphospholipid syndrome, and LN; however, no clinical trials are under way. 20-22. Complementary and alternative medicine (CAM) is used in about 50% of patients with SLE.
Most patients who use CAM to treat SLE are using dietary supplements. 8. Is Free Will With! Vitamin D: Patients with SLE are at increased risk for vitamin D deficiency because of their SLE medications, sun avoidance and sunscreen use, and renal insufficiency. 5 Evidence suggests that vitamin D supplementation may reduce disease activity. 8 Vitamin D supplementation is well tolerated in patients with SLE. 8 If a patient has a clinical deficiency of vitamin D, this should be treated. Didehydroepiandrosterone (DHEA): Patients with SLE have been shown to have low levels of DHEA. DHEA supplementation may help decrease disease activity and improve quality of life; however, patients must be cautioned about the buy papers for college, many side effects of is free will compatible with, DHEA use, such as acne, hirsutism, and kaizen study weight gain. 5,8.
Omega-3 Fatty Acids: Patients with SLE may find omega-3 fatty acids beneficial because of with determinism essay, their CV benefits and anti-inflammatory properties. Clinical trials have demonstrated mixed results; however, patients seem to tolerate the supplements well. 8. Turmeric (Curcumin): This dietary supplement is known to does the word home essay have anti-inflammatory properties, which makes it potentially beneficial for diseases involving inflammation. One small trial saw some benefits of turmeric supplementation; however, larger trials are needed to confirm these results. Is Free Will Compatible With Determinism! No adverse events were noted in the trial. 8. Patients with SLE are at increased risk for infections; therefore, it is important to consider the efficacy and network safety of immunizations in these patients. 22 The European League Against Rheumatism developed 13 recommendations, including general recommendations and some recommendations specific to certain vaccines, for patients with autoimmune inflammatory diseases such as SLE.
In general, inactivated vaccines are considered safe in is free with SLE patients; however, they may not elicit as robust an immune response as they would in a patient without SLE. 23 Patients receiving a therapy that impacts B cells may have an microfinance, especially low immune response. Therefore, it is recommended that patients be immunized either prior to initiating a therapy that impacts B cells or after the therapy is completed. With! Live vaccines require special consideration of the benefits and risks of immunization. 24 In general, live vaccines should be avoided; however, there are some circumstances in which live vaccines, such as herpes zoster, may be indicated. 23 FIGURE 1 summarizes immunization recommendations for patients with SLE. Patients with SLE who are pregnant or wish to become pregnant require special consideration. A study of 385 pregnant patients with SLE found that 81% of those with mild-to-moderate disease had good pregnancy outcomes.
25 The rate of flares was 2.5% during the second trimester and 3% in the third trimester. Microfinance Thesis Uganda! Patients taking antihypertensive agents, those with low complement, and those with low platelet count were at highest risk for adverse pregnancy outcomes. Is Free Compatible With Determinism Essay! 25 Agents that have been used in pregnancy include hydroxychloroquine, low-dose aspirin, nonfluorinated glucocorticoids, azathioprine, and microfinance cyclosporine A. However, clear safety data are not available. Medications that should be avoided during pregnancy include mycophenolate mofetil, cyclophosphamide, and MTX. 2. Will With Determinism Essay! Hydroxychloroquine is considered an case study, acceptable choice for patients who are breastfeeding, and low-dose prednisone and ibuprofen are often used. Additionally, azathioprine and MTX may be safe during breastfeeding.
There are no current data on the safety of will compatible with determinism, belimumab during breastfeeding, but it is expected that transmission through breast milk is minimal. Cyclophosphamide and mycophenolate mofetil should be avoided during breastfeeding. 26. The treatment of SLE has improved with the additional use of immunosuppressive medications; however, there is still a need for targeted therapies. As research achieves a better understanding of the pathogenesis of SLE, the case study, search for compatible with determinism essay targeted therapies will become more precise. What Does Home Mean To You Essay! At this time, many clinical trials are under way that may change the future of how SLE is treated and improve disease outcome. Is Free Compatible Determinism Essay! In addition to the treatment of SLE, it is microfinance uganda, important to remember to counsel the patient about is free will compatible determinism essay, lifestyle modification and methods of preventing disease through immunization. Network Design Essay! 1. Petri M, Orbai A, Alarcon GS, et al. Derivation and compatible validation of the buy papers, Systemic Lupus International Collaborating Clinics classification criteria for systemic lupus erythematosus. Arthritis Rheum . 2012;64:2677-2686.
2. Is Free Will Compatible! Bertsias G, Ioannidis JP, Boletis J, et al. EULAR recommendations for the management of systemic lupus erythematosus. Report of a Task Force of the EULAR Standing Committee for what does home mean essay International Clinical Studies Including Therapeutics. Ann Rheum Dis . 2008;67:195-205. 3. Will! Lisnevskaia L, Murphy G, Isenberg D. Systemic lupus erythematosus. Lancet . Costing Case Study! 2014;384:1878-1888. 4. Ceccarelli F, Perricone C, Borgiani P, et al. Genetic factors in systemic lupus erythematosus: contribution to is free with disease phenotype. J Immunol Res . 2015;2015:745647. 5. Yuen HK, Cunningham MA. Optimal management of fatigue in for college patients with systemic lupus erythematosus: a systematic review.
Ther Clin Risk Manag . 2014;10:775-786. Compatible With Determinism! 6. Davies RJ, Lomer MCE, Yeo SI, et al. Weight loss and improvements in fatigue in systemic lupus erythematosus: a controlled trial of a low glycaemic index diet versus a calorie restricted diet in patients treated with corticosteroids. Lupus . 2012;21:649-655. 7. Minami Y, Hirabayashi Y, Nagata C, et al. Intakes of vitamin B6 and dietary fiber and clinical course of systemic lupus erythematosus: a prospective study of Japanese female patients.
J Epidemiol . 2011;21:246-254. 8. Kaizen Costing! Greco CM, Nakajima C, Manzi S. Updated review of complementary and alternative medicine for systemic lupus erythematosus. Curr Rheumatol Rep . 2013;15:378. 9. Lexi-Drugs Online. Hudson, OH: Lexi-Comp, Inc; 2016. online.lexi.com. Accessed May 19, 2016. Is Free Compatible With Determinism Essay! 10. Wei LQ, Liang YG, Zhao Y, et al. Efficacy and safety of belimumab plus standard therapy in patients with systemic lupus erythematosus: a meta-analysis. Clin Ther.
March 23, 2016 [Epub ahead of print]. 11. Grech P, Khamashta M. Targeted therapies in systemic lupus erythematosus. Lupus . 2013;22:978-986. 12. Library! Chen W, Tang X, Liu Q, et al. Short-term outcomes of induction therapy with tacrolimus versus cyclophosphamide for active lupus nephritis: a multicenter randomized clinical trial. Am J Kidney Dis . 2011;57:235-244.
13. Moc CC, Ying KY, Yim CW, et al. Tacrolimus versus mycophenolate mofetil for induction therapy of is free determinism essay, lupus nephritis: a randomised controlled trial and for college long-term follow-up. Ann Rheum Dis . 2016;75:30-36. 14. Kuhn A, Gensch K, Haust M, et al. Efficacy of tacrolimus 0.1% ointment in cutaneous lupus erythematosus: a multicenter, randomized, double-blind, vehicle-controlled trial. J Am Acad Dermatol . 2011;65:54-64. 15. Will With Determinism! Wang HY, Cui TG, Hou FF, et al. Induction treatment of proliferative lupus nephritis with leflunomide combined with prednisone: a prospective multi-centre observational study.
Lupus . 2008;17:638-644. 16. Isenberg D, Gordon C, Licu D, et al. Efficacy and safety of buy papers, atacicept for prevention of flares in patients with moderate-to-severe systemic lupus erythematosus (SLE): 52-week data (APRIL-SLE randomised trial). Ann Rheum Dis . Is Free Will! 2015;74:2006-2015. 17. Strand V, Petri M, Kalunian K, et al. Iitb Format! Epratuzumab for patients with moderate to will essay severe flaring SLE: health-related quality of does home to you essay, life outcomes and is free determinism corticosteroid use in the randomized controlled ALLEVIATE trials and buy papers for college extension study SL0006. Rheumatology (Oxford) . 2014;53:502-511. 18. Will Determinism Essay! Khamashta M, Merrill JT, Werth VP, et al.
Sifalimumab, an anti-interferon-a monoclonal antibody, in buy papers moderate to severe systemic lupus erythematosus: a randomised, double-blind, placebo-controlled study. Ann Rheum Dis . Is Free Compatible Essay! March 23, 2016 [Epub ahead of print]. 19. Microfinance Uganda! Kalunian KC, Merrill JT, Maciuca R, et al. A Phase II study of the efficacy and safety of is free will with determinism essay, rontalizumab (rhuMAb interferon-a) in patients with systemic lupus erythematosus (ROSE).
Ann Rheum Dis . 2016;75:196-202. 20. Pickering MC, Ismajli M, Condon MB, et al. Eculizumab as rescue therapy in severe resistant lupus nephritis. Rheumatology (Oxford) . 2015;54:2286-2288. 21. El-Husseini A, Hannan S, Awad A, et al. Thrombotic microangiopathy in systemic lupus erythematosus: efficacy of eculizumab. Am J Kidney Dis . 2015;65:127-130.
22. Strakhan M, Hurtado-Sbordoni M, Galeas N, et al. 36-year-old female with catastrophic antiphospholipid syndrome treated with eculizumab: a case report and review of iitb resume format, literature. Case Rep Hematol . 2014;2014:704371. Is Free Will With! 23. van Assen S, Agmon-Levin N, Elkayam O, et al. Uganda! EULAR recommendations for vaccination in adult patients with autoimmune inflammatory rheumatic diseases. Ann Rheum Dis . 2011;70:414-422. 24. Grein IH, Groot N, Lacerda MI, et al.
HPV infection and vaccination in systemic lupus erythematosus patients: what we should really know. Pediatr Rheumatol Online . Compatible Determinism! 2016;14:12. What The Word Home To You Essay! 25. Buyon JP, Kim MY, Guerra MM, et al. Predictors of pregnancy in patients with lupus: a cohort study. Ann Intern Med . 2015;163:153-163. 26.
Noviani M, Wasserman S, Clowse ME. Breastfeeding in mothers with systemic lupus erythematosus. Lupus . February 16, 2016 [Epub ahead of print]. With Determinism Essay! To comment on this article, contact [email protected] U.S. Pharmacist is microfinance, a monthly journal dedicated to providing the is free essay, nation's pharmacists with up-to-date, authoritative, peer-reviewed clinical articles relevant to contemporary pharmacy practice in a variety of settings, including community pharmacy, hospitals, managed care systems, ambulatory care clinics, home care organizations, long-term care facilities, industry and academia. The publication is also useful to pharmacy technicians, students, other health professionals and individuals interested in health management.
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Essay: Free will and determinism - Philosophical…
James Baldwin Baldwin, James (Vol. 2) - Essay. Baldwin, a Black American novelist, essayist, and is free compatible determinism playwright, is best known for his novel Another Country . (See also Contemporary Authors , Vols. 1-4, rev. ed.) James Baldwin's Another Country is a novel about love and hate, and more about hate than love.
In its totality and with all due allowance for occasional weaknesses in the writing, it is one of the most powerful novels of our time. The complexities of love have seldom been explored more subtly or at greater depth, and perhaps the power of hate has never been communicated with a more terrifying force. Granville Hicks, in case study Saturday Review (copyright © 1962 by Saturday Review; first appeared in Saturday Review, July 7, 1962; used with permission), July 7, 1962 . James Baldwin [is] unquestionably one of the most brilliant young writers in America today. Will Compatible Determinism? A mad reality confronts all our writers today. But it is more mad—and possibly even more maddening—for Baldwin, a Negro, who, because of his brilliance, his eloquence, his honesty, his courage, his superb intelligence, has become a spokesman, in a sense a captive spokesman, for microfinance uganda his people and, as well, a kind of minister without portfolio for both black and white on will black-and-white relations….
If Go Tell It on what does to you the Mountain is his most free, most creative book, Notes of a Native Son is his most natural and graceful one. So much of the essays derives from the novel, or the other way round. The pattern has not yet been fixed, the pressures have not yet multiplied. It is a portrait of the author not in will compatible determinism search of a theme. All thought flows, all is grace, because Baldwin is writing solely from network design essay himself, from an inner necessity, which generates a variety of approaches and an affluence of themes and variations. It is a most satisfactory book of essays, new, contemporary, tempered and exhilarating. If there are mysteries in the collection, they are good mysteries, that is, rewarding, and the dominant clarities require them…. Nobody Knows My Name is a rare and great book, yet one senses in it a kind of tragedy—not flaw, but tragedy. Society has somehow got hold of is free will determinism essay, him in the wrong sort of way.
Some subtle deflection has set in. The essays correspond to a part of himself only. He is engaged profoundly, yet partially. There are, one feels, enormities in Baldwin that are not engaged—curiosity, mysticism, bawdiness, laughter, poetry (dark and haunted), tenderness. Is he doing, metaphorically, what Lenin did, refusing to listen to Beethoven because it made him gentle? In order to for college, be most effective must one become monolithic, steel, Stalin? Harvey Breit, James Baldwin and Two Footnotes (© 1963 by Nona Balakian and Charles Simmons; reprinted by permission of Doubleday Co., Inc.), in The Creative Present: Notes on is free compatible with essay Contemporary American Fiction, edited by Nona Balakian and Charles Simmons, Doubleday, 1963, pp. 5-23 . James Baldwin's most valuable quality as a writer is authenticity….
Baldwin is a very conscious artist in all his fiction. Represented experience must have a meaning. And he applies all his skill and intelligence to making sure that the shock and pain of this meaning will not be lost on the reader. His people are lonely, frustrated, fearful, often angry, and above all lovelorn. Uwa Thesis? They reach out for is free will with essay the security of love like a drowning swimmer trying to grab a spar from the wreckage to keep himself afloat in uwa thesis library the wide, wide ocean. Is Free Will With Determinism? Most of them have a vision of a better land, a better life, but their moments of happiness are always precarious and the surrender to love costs not less than catastrophe. As soon as they are old enough to have a sense of themselves becoming adults (if they live that long), his children, at least the gifted ones, must construct a strategy for finding and then trying to network design essay, maintain their identities. In expressing the strain and suffering of a person trying to will compatible with essay, be true to himself and to uwa thesis library, others Baldwin almost always gives us, often powerfully, a sense of authenticity. But when his imagination is overwhelmed by fantasies of sadism or masochism, the objective reality of his art blurs and the result is bizarre, repellent, and unconvincing.
The difficulty is that the territory Baldwin is exploring does lie between blatant social fact and will compatible with determinism essay nightmare. Besides, he writes on controversial subjects about which everybody has strong opinions and, even more to the point, deep-rooted feelings. To Baldwin the distinction between bad dreams and what does home mean to you essay waking horror, or the attempt to make the distinction (even though some of his characters worry about this very thing), may well seem academic. Nevertheless, he knows that for is free will essay the artist the truth that is stranger than fiction has no place there. At least not in his kind of fiction. John Rees Moore, An Embarrassment of Riches: Baldwin's Going to costing study, Meet the Man, in Hollins Critic, December, 1965, pp. 1-12 . No one can doubt Baldwin's enormous talent. Go Tell It on the Mountain showed us the sharpness and range of his perceptions, and Giovanni's Room their depth and emotional truth.
Any number of is free will compatible with determinism, sentences and passages in resume format [ Nobody Knows My Name ] carry absolute conviction. But few whole essays do. Baldwin needs to read more literature and to work harder at its discipline, form. More than that, he must decide more firmly who he is and what he is, and stand in that identity. If the blues he uses for his title says nobody knows my name, there is also a blues beginning My first name is James. Stanley Edgar Hyman, Blacks, Whites, and Grays, in is free compatible his Standards: A Chronicle of Books for Our Time (© 1966; reprinted by permission of the publisher, Horizon Press, New York), Horizon, 1966, pp.
22-7 . [Writing] good fiction takes as special a talent as writing good poetry; if we haven't got it, no degree of intellectual clarity and acuity will make up for it. James Baldwin is resume format one of a number of writers … who write excellent expository prose but fall to pieces when they write fiction. Tell Me How Long the Train's Been Gone is a long fictionized popularization of the title essay in Notes of a Native Son ; the novel is as cheap as the essay is brilliant, and there is is free compatible essay nothing in it to kaizen costing case, match the quality of any of the is free will essay other essays. Though much of the action takes place in Harlem, the feel of Harlem comes through with less definition than in The Harlem Ghetto, and though there are long discussions of the dilemmas of Negro artists and intellectuals there is none so fresh, clear and kaizen case study enlightening as Stranger in the Village or another essay … recounting the debates at a Paris conference on Negritude …. Perhaps no man fighting for with determinism essay justice as James Baldwin does should be expected to write with the meticulousness of a James Joyce; but bad writing in the cause of justice is still bad writing. The publication, reading and influence of Tell Me How Long the Train's Been Gone are social facts of considerable interests; but it has no literary interest. J. Mitchell Morse, in Hudson Review, Autumn, 1968, pp.
529-31 . Baldwin has described Blues for Mr. Charlie (which may be paraphrased as dirge for the white man) as one man's attempt to bear witness to the reality and the power of the light. Thesis Uganda? But light never shines through stereotyped roles and hackneyed rhetoric. Baldwin's witness is too important to with determinism essay, trickle into such cliches. Buy Papers? His novels capture what he claims he tried to put into the play—something ironic and is free compatible violent and perpetually understated in Negro speech. But the dialogue of his plays too often sinks to network design essay, the merely saccharine, the temper tantrum, and the overstated in both Negro and is free will compatible essay white speech. Ruby Cohn, James Baldwin, in her Dialogue in American Drama, Indiana University Press, 1971, pp. For College? 188-92 . James Baldwin is one of the few moralists now writing who writes with grace. In his new book [ No Name in the Street ] he continues his odyssey through his own engagement with and disengagement from is free will compatible determinism essay America, his sensibility struggling to integrate a mass of study, disparate material, really a scrapbook, with a singular tone of voice.
That he is compatible determinism unable, finally, to make this book of essays stand as a unity is not solely his particular failure, but indicates something about this time which prevents a transcendence either in word or deed. The writing is characteristically beautiful—I am tempted to network essay, say, too beautiful. Will Determinism Essay? At this butt moment, one is costing case study skeptical of any representation of reality which seems too clear, too beautiful. One asks, What is is free compatible with he choosing to leave out? What is the price of his clarity?… Baldwin's experience is often too condensed to be fully accessible—and yet perhaps it is that very limpid condensation which makes him so quotable and so esteemed by a middle-class white public which is looking for civilized access to Those People. Baldwin is nothing if not civilized, yet he has not himself lost access to the sources of his being—which is what makes him read and awaited by perhaps a wider range of people than any other major American writer. Todd Gitlin, Yet Will I Maintain Mine Own Ways Before Him, in Nation, April 10, 1972, pp. 469-70 . Difficulty in seeming to what the word mean to you, be your own man, rather than a knee-jerk reactor to events, is but one of many problems besetting spokesmen.
Another has to do with expense of spirit. Few Americans have been called on as frequently as has James Baldwin in the last decade to is free will with, function as the what does home mean to you public voice of rage or frustration or denunciation or grief. Repeatedly, on will compatible determinism essay television, on uwa thesis college platforms, at hundreds of with, public meetings, the uwa thesis author of The Fire Next Time has had to seek within himself both the energies and the vocabulary of fury—to search for the words that will make real to himself and others the latest atrocity…. How does he conduct a hunt for language that hasn't been emptied out by repetition—how can he witness his own scramblings for will compatible with freshness without coming in some sense to despise this self-involved fastidiousness? To function as a voice of outrage month after month for a decade and more strains heart and mind, and rhetoric as well; the consequence is a writing style ever on the edge of being winded by resume, too many summonses to intensity…. [Despite] the … faults [of No Name in the Street ], despite the trials and afflictions of is free will compatible, his spokesmanship, this author retains a place in an extremely select group: that composed of the few genuinely indispensable American writers.
He owes his rank partly to the qualities of responsiveness that have marked his work from the beginning and that seem unlikely ever to disappear from it. For College? Time and time over in fiction as in reportage, Baldwin tears himself free of his rhetorical fastenings and stands forth on compatible with essay the page utterly absorbed in the reality of the person before him, strung with his nerves, riveted to his feelings, breathing his breath. And such moments turn up still in his writing…. But what matters at format least as much as this responsiveness is Baldwin's continuing willingness to accept the obligation imposed on him by his pride—namely, that of specifying the losses to the culture as a whole flowing from its blindness to truths born in and taught by will compatible determinism essay, blackness. Design Essay? To say this isn't entirely to will compatible determinism, discount the chronicle aspect of No Name in the Street . Buy Papers? The narrative is will compatible with determinism essay spotty and discontinuous, but it does provide inklings of what it would be like to possess a coherent (although devastatingly despairing) view of recent times, to be able to microfinance thesis uganda, see even the most dreadful events as part of is free will compatible with, a pattern….
[Baldwin] means [in No Name in iitb resume the Street ] to create an image of his people that will not only will essay recover their dignity, that will not only spell out what they have to teach, but that will sting all sane folk to jealousy. Buy Papers For College? It is, many will say, adopting postures of regret and pity, a typical spokesman's project—and doubtless there's justice in the observation. But the lesson Baldwin teaches in is free will compatible with determinism essay this flawed, bitter, continuously instructive book—you make your way to actualities only by waking to the arbitrariness of network essay, things—goes out a few miles beyond race issues. And those among us who can't or won't master the lesson, or who, having mastered it, carp instead of clap at the pugnacity behind it, had best save the pity for themselves. Benjamin DeMott, James Baldwin on compatible determinism essay the Sixties: Acts and Revelations, in Saturday Review (copyright © 1972 by network essay, Saturday Review; first appeared in Saturday. Review, May 27, 1972; used with permission), May 27, 1972, pp.
63-6 . In [ No Name in the Street ], Baldwin's prose is compatible essay often mesmerizing and, though they seem less shocking and disturbing now, there are passages that are as candid, insightful and moving as any in his previous essays. That the thesis book may seem at this time less germane is not necessarily an indication of failure. It may very well be a more serious indictment against is free compatible with determinism, ourselves, a palpable indication of our own moral degeneration. Only if an eloquent appeal for buy papers for college morality is irrelevant in the seventies, is James Baldwin anachronistic. Mel Watkins, in The New York Times Book Review (© 1972 by The New York Times Company; reprinted by will, permission), May 28, 1972, pp. Does The Word Mean To You Essay? 17-18 . In examining [Baldwin's] works from beginning to end, I seem to have detected a basic assumption that unifies them all: that on all levels, personal and political (which ultimately boils down to personal) life is a wild chaos of with determinism essay, paradox, hidden meanings, and dilemmas. This chaos arises from iitb resume format man's inability—or reluctance—to face the truth about his own nature. As a result of this self-imposed blindness, men erect an elaborate facade of myth, tradition, and ritual behind which crouch, invisible, their true selves. It is this blindness on the part of Euro-Americans which has created and perpetuated the vicious racism which threatens to destroy this nation.
In his brilliant essays Baldwin unravels the complexities of our times—and since time is three dimensional, these complexities involve our history and is free will compatible with determinism essay our projected future as well as our turbulent present. From the essays collected in his first volume of library, essays, Notes of a Native Son , to those in is free with determinism his last, The Fire Next Time , Baldwin probes the multiple dualities in which we are caught. Kaizen Costing Case? Considered together, Baldwin's essays are a study in chaos…. To explain chaos is, in itself, a significant task, for the better we know our situation, the more able we are to deal with it. But Baldwin does more. He offers solutions. They are not solutions that we in will determinism essay our present state are likely—or even, perhaps, able —to attain. But they make a great deal of sense, and for the sake of our future, we had better take heed…. The solution to chaos lies in the individual's acceptance of himself, which involves rejection of the microfinance thesis uganda safe life and requires the courage to face his life absolutely . Is Free Determinism? On a nationwide scale it means acceptance of our history, destruction of damaging myths and false images, and unswerving gaze at reality.
Here I myself become confused. My personal belief is that white America cannot do these things any more than a mental patient can behave rationally simply by iitb resume format, deciding that that is the best thing to do. Still I cannot gainsay that this is the only solution that I know of, short of will with determinism essay, armed revolution. Baldwin's vision is not of mean to you essay, a monolithic society but of tranquility within our duality, an acceptance of is free with determinism, our two-ness. We must accept, with love, ourselves and each other. It can be done, Baldwin says. It must be done. Eugenia Collier, Thematic Patterns in Baldwin's Essays, in Black World (© June, 1972, by Black World; reprinted by permission of Black World and Eugenia Collier), June, 1972, pp. Uwa Thesis? 28-34 . [Baldwin's] talent for running words excitingly across a page, carrying thoughts to heights of is free compatible with determinism, perception, rarely falters. No Name in the Street is at once another example of James Baldwin's enormous gift with words, and buy papers rather conclusive proof that he has finally crossed that street separating those who blame everything unhappy for his group—here, his race—on others, and is free compatible determinism those who don't….
But much of No Name in the Street bespeaks something else as well, that final lapse into hate-Americanism so damnably fashionable, and uganda worse, so frighteningly debilitating to is free will compatible with, the spirit of those who succumb to kaizen case, it…. To deny or minimize the urgency of the problems of which James Baldwin writes would be unconscionable, not merely thoughtless but stupid. And yet, to make the giant leap from comprehending the problem and striving to solve it, to buying Baldwin's package of simplisms and non-sequiturs, would be, if not unusual these days, still deeply wrong…. He speaks wisely and well of will determinism essay, white fears and hates, and tells us with occasional grace and frequent force of what only what does the word to you essay one of his race and is free compatible with essay intelligence can understand. At best, his perspective, if uncomfortable to does the word to you essay, adjust to, is none the less legitimate, inspiring reflection and often acquiescence. At worst, however, James Baldwin's perspective seems unshakably grounded in loathings transcending analysis and verging on hysteria. This book is, unmistakably, passionately written, bitingly argued; it is also—and Baldwinophiles like me must regretfully admit this—fundamentally bitterly botched, a true cry of despair mingled fatally with a savage shriek of apocalyptic fury. David Brudnoy, Blues for Mr. Baldwin, in National Review (150 East 35th St., New York, N.Y. Will Compatible? 10016), July 7, 1972, pp. 750-51 . Parts of [ No Name in the Street ], written in costing case study an admittedly beautiful style, are all that one can ask for will determinism from a writer, unravelling the beastly, de-humanised system in library which the compatible essay colour of your skin can be, and often is, a passport to uwa thesis library, brutal reactions and hatred.
In the other parts, Mr. Baldwin falls into the trap of extremists of any colour, of any era, where an is free essay injustice, no matter how long ago perpetrated, and by costing, whom, must bring a blanket condemnation for all present…. Rap Brown and Malcolm X were quite open with their hatred; Mr. Baldwin dresses it up into a highly erudite, literary exercise, and I'm not quite sure whether he realises, or simply doesn't care, how his writings could be and, heaven forbid, may be interpreted. The other fatal flaw is that he does not provide the slightest hint as to how he wants to change the compatible determinism system….
To a very-very large extent, this book is an insight into James Baldwin, the very talented writer, and he can spin out his self-doubts and insecurity to the same engrossing degree as Mailer. Neither of them builds or destroys; they say … look how I hurt … isn't it awful? Robert Ray, James Baldwin's Insecurity, in Books and Bookmen, September, 1972, p. 61 . Access our James Baldwin Study Guide for Free. James Baldwin Homework Help Questions. James Baldwin published this essay in iitb format The New York Times in will with essay 1979 to defend, in iitb resume format an eloquent and convincing way, the idea that Black English is a true language. Baldwin argues that Black English.
Repetition and parallelism are very powerful rhetorical devices that (1) are attention getting; (2) aid in memory implanting and retention; (3) lend potency to statements by endowing them with. Raised by a strict stepfather who was a Pentecostal preacher, James Baldwin found himself, in his words, hurl[ed] into the church. That is, in religion he looked for reasons for and comfort from. In the is free will compatible with first two paragraphs of his speech “A Talk to costing, Teachers,” James Baldwin establishes his relationship with his audience – and also his own “ethos” (or character) – in is free compatible a number of. I think that an effect of the time structure of the story is to reveal the destabilizing condition that racism has on its victims.
Baldwin shows that White society is just as much a victim of.
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50 states essay book How to Write a Five Paragraph Essay. Essays come in will with determinism essay, various forms, as do subjects, professors, writing styles, and graders. In order to make the resume best of with, a writing assignment, there are a few rules that can always be followed in order to find success. While you can never know exactly what a teacher will like, as long as you have proven a point, you will write a successful essay. The beauty of writing is that the power is in your hands. There is not always a right or wrong answer. You simply have to iitb format select an argument and back it up. If you do that, then your essay should be successful, regardless of is free will with determinism essay, whether or not it is liked. The basic high school essay should be organized in the following five paragraph structure: This list is a basic guideline by does which to structure all your essays. Obviously, they can vary in length and in paragraph number. However, within the confines of this skeletal structure, is is free with, everything you will in order to write a successful essay.
Let us go piece by piece through this basic structure to examine the kaizen costing case elements of this style. The Introduction consists of an will compatible determinism essay opening line. This opening line can be a generalization about life that pertains to your topic. It can also be a quotation. Buy Papers For College? Another segway into the introduction is to start it with a little anecdote (or story). By breaking the ice so to speak with the reader, you are luring him or her into the rest of your essay, making it accessible and intriguing. Once you have introduced the Introductory paragraph with a generalization, quotation, or anecdote, you can write vaguely for a few sentences or simply jump into the crust of the argument. When you feel you are ready to is free will compatible essay introduce the specific focus of the format essay, then you write the thesis statement. The thesis statement should generally come at the end of the compatible with determinism essay Introductory Paragraph. If you are writing about a particular book, author, or event, you should name it (in entirety) in the thesis statement.
You should also list your argument with its supporting evidence in this sentence. Essentially, the thesis statement is iitb format, your tagline for the essay and the final sentence of the Introduction. The Body Paragraph One should open with a transitional sentence. It should lead the reader into the first piece of is free compatible with determinism essay, evidence you use to support your thesis statement, your argument. Does The Word Essay? It is essentially a mini-thesis for the paragraph. From the transitional/opening sentence, you can go on to cite evidence to with determinism essay support your argument. This evidence must all revolve around a single theme and should come in the form of a quotation (or factual information from a primary source). If you put too many different themes into one body paragraph, then the essay becomes confusing. Body Paragraph One will deal with one theme for your argument. You may have several pieces of evidence to kaizen case study support this one them, which is will compatible essay, absolutely fine.
Once you use a piece of evidence, be sure and write at least one or two sentences explaining why you use it. Then, wrap up the Body Paragraph with a mini-concluding sentence summing up only what you have discussed in that paragraph. Body Paragraph Two should follow the exact same rules as Body Paragraph One. This time, pick the for college second theme in support of your thesis argument and cite evidence for with essay, it. Network? Again, you must open this paragraph with a transitional sentence; one leading from the previous theme to the current theme. Body Paragraph Three should follow the exact same rules as Body Paragraph One and Two.
Again, you must open this paragraph with a transitional sentence; one leading from the previous theme to the current theme. Your conclusion is a wrap-up of the entire essay. Compatible With Determinism Essay? It takes your introduction and essentially says to the reader, See, I told you so. You should be writing your conclusion with the belief that you have proven everything you have set out to prove in your essay. Resume? You are allowed to is free compatible with determinism essay be confident here, and you are even allowed to drop little extra pieces of information that make the iitb resume reader think more than you previewed in the entire paper. It is is free essay, also important to the word home to you have a concluding mini-thesis in is free compatible with determinism essay, this paragraph. Uwa Thesis? This statement is the essay closing tag-line, the microfinance thesis uganda see what I just did idea in every paper.
An essay can be immaculately written, organized, and researched; however, without a conclusion, the reader is is free will with essay, left dumbfounded, frustrated, confused. It is important to remember that this is a rough sketch by microfinance thesis which to write your essays. If your topic is quite complicated, then you may have infinitely more evidentiary paragraphs than three. Furthermore, you can expand your individual themes, as well. Will With Determinism Essay? You can write two or three paragraphs in support of theme 1 (or Body Paragraph One). The most important thing to library remember here is consistency. If you have two or three paragraphs in support of one piece of evidence, then you should have the same amount of paragraphs in support of all sequential facts. Here is a diagram of the basic essay guidelines. Remember, Body Paragraphs simply stand for Specific Ideas for your thesis. There can be many more than simply three. I. Introduction Opening Sentence Anecdote Quotation Generalization Explanation of opening, leading into Thesis Statement Thesis Statement Name, Title, Event General argument 3+ reasons why your argument is true (3+ pieces of evidence) II.
Body Paragraph Opening Sentence (pertaining to Reason/Theme #1) Explanation Evidence A Explanation of evidence A Possible evidence B Explanation of compatible determinism essay, possible evidence B Mini-conclusion only about Reason/Theme #1 III. Body Paragraph 2 Transitional/ Opening Sentence (pertaining to Reason/Theme #2) Explanation Evidence C Explanation of does the word mean, evidence D Possible evidence E Explanation of possible evidence #F Mini-conclusion only about Reason/Theme #2 IV. Body Paragraph 3 Transitional/Opening Sentence (pertaining to Reason/Theme #3) Explanation Evidence G Explanation of evidence H Possible evidence I Explanation of possible evidence I Mini-conclusion only about Reason/Theme #3 V. Conclusion Transitional sentence wrapping up paper Return to original anecdote/quotation/generalization Reconfirm your argument, recounting how you have proven it Write a mini-thesis, this time with more assertion Possibly throw out is free determinism a new idea (related to your thesis) Optional.
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International Banking System In Bangladesh. This study focuses on the international banking system in Bangladesh. The banking industry as a major promotion of the national economy. Is Free Determinism! Banking is expanding the mean, bank's activities in Bangladesh and is currently being explored in order to serve our customers. The study has been based on the use of information obtained information from is free will determinism essay, government bank, annual reports of Agrani Bank Ltd. taken from different magazines, articles, publication papers and other sources. It has been stressed and trying to thesis uganda, find a great way to international banking the compatible essay, real situation in Bangladesh. However, there are a lot of uwa thesis library, secrets in the banking sector. Is Free Will Determinism! Because the researchers were unable to reach the core of the analysis is buy papers for college needed to secret information.
This report also tries to find out weak point regarding their international operation and gives some recommendations to improve the Off-shore Banking Unit of Agrani Bank Ltd. 1.2. Will Compatible! Objective of the study. . The main purpose is to library, be familiar with the real world situation and practical experience in a business firm basically International Banking System. Commercial bank, especially Private Bank is one of the will compatible with determinism essay, important business sectors in Bangladesh. Agrani Bank Limited is a scheduled commercial bank in the govt. sector, which is focused on the established and emerging markets of thesis uganda, Bangladesh. The purpose of this study is to earn a real life practical experience on International transaction, Offshore Banking, and International Private Banking System.
The study mainly conducted with the is free will compatible essay, following objectives: ' To find out International transactions and their mechanism. ' To find out the challenge of ABL in uwa thesis, relation to International Operation. ' To provide the recommendation for improving the international transaction of ABL. 1.3. Scope of the with essay, Study. This report only focused on network essay international banking system of Agrani Bank Ltd. Is Free Compatible! Besides the international transactions, Researcher would try to focus on offshore banking, international private banking. Iitb Resume! From this report novice reporter will get some idea about the international banking along with International Financial Center. 1.4. Limitation of the Study. The objective of this study is to is free with determinism, earn real life practical experience in International Banking System.
The lack of available of data is the prominent limitation. Maximum of uwa thesis, banking activity are practical. Just reading the manual is not enough. To earn such practical experience, it requires working with those events. The main limitations are as: ' Banking people are very busy. Sometimes it seems hard to get their attention. ' Lack of published relevant documents. ' Some information is compatible with determinism essay confidential-not open to costing study, public. 2.1.
Company Overview. Agrani Bank Limited (ABL) was incorporated as a state-owned Commercial Bank (SCB) on May 17, 2007 Company Act 1994. Agrani Bank following the Bangladesh Bank (Nationalisation) Order 1972, the Chairman of the order to become a volunteer organization nationalized commercial banks (NCB) 1972 No. 26. ABL took over the business a going concern basis, through supplier agreements, assets, liabilities, rights and obligations of is free with, Agrani Bank, signed on November 15, 2007 between the Ministry of Education and Finance ABL Board of the People's Republic of Bangladesh from July 2007 retroactive director. Capital and Profit: Agrani Bank Limited is a Bank with an Authorized Capital is BDT 2500 crore and uganda Paid-up Capital of BDT 991.29 crore. Will Compatible! The total Operating Profit Tk. 1006.74 Crore as on 31 December, 2012. Branches and Employees: The bank has 11 Circle offices, 29 Divisions in head office, 62 zonal offices and essay 902 branches including 27 corporate and 40 AD (authorized dealer) branches.
The bank has 13,890 (9,917 officers and 3,973 staffs) employees till 2012. Management: The board of directors is is free will compatible with determinism consisted of 13 (thirteen) member headed by Chairman chief Executive Officer. The Chairman and Directors are nominated by government. Agrani Bank Limited, the iitb resume format, only commercial bank is won by a group of local entrepreneurs, the idea to create a model of banking financial institutions have a different outlook, provided valuable customers, financial services and innovative products for the sustainable development of the common and the establishment of a comprehensive idea of prosperity. Sponsors in trade, commerce and is free will determinism essay industry in the field of well-known figures. The World Bank is kaizen case study managed and operated by a group of well-educated and professional team, in the financial and banking sector diversified experience. The bank's management has always been focused on understanding and compatible determinism anticipating customer needs. Banking situation is changing day by day, so the responsibility of the uwa thesis, banks is a policy devices and new products to adapt to a changing environment. Agrani Bank Limited has been in just two years has made tremendous progress. Is Free Compatible Essay! The bank has been listed as one of high-quality service providers and its reputation. 2.2.
Hierarchy of Agrani bank. In a bank where people can do transaction in foreign currency is called foreign exchange transaction. ABL's foreign exchange section and format international transactions are working with the head office internal division. The full process is with governed by Bangladesh bank. Any kind of transaction in foreign is a sensitive issued.
ABL is rendering various kinds of services in microfinance thesis uganda, international transaction of their clients. Will Compatible Determinism Essay! ABL defines their Forex business in three sections. Buy Papers For College! Their details descriptions are the following:- 3.1. Foreign Currency Account. Foreign Currency Accounts (FCA) is an is free determinism essay, account of a transaction other than the national currency to currency, one can bank in the country (territory) or bank maintained by another country (offshore). Foreign currency accounts generally do not include the national deposit insurance scheme.Since advertising per existing standards of the Bangladesh Bank may open foreign currency accounts follow types: 3.1.1. Non Resident Foreign Currency Deposit (NFCD) A/C. All non-resident Bangladeshi nationals and Bangladeshi descent, including those with dual citizenship, often living in does the word to you essay, a foreign country, you can maintain interest deposit account name as non-resident foreign currency deposits (NFCD) account authorized dealer.
NFCD account by Bangladeshi nationals and the Embassy / High Commission Government of Bangladesh abroad / semi-government / autonomous / bank nationalization deputed abroad or with international and regional organizations like the is free essay, IMF, World Bank, etc. personnel / service personnel opened allocation process Inter-American Development Bank, the Asian development Bank and other foreign countries may open such accounts. What Does Mean Essay! NFCD accounts also are opened with funds transferred from existing foreign currency accounts maintained by the wage earners' with the is free will compatible determinism essay, ADs in Bangladesh. NFCD deposit accounts are due after one month, three months, six months and one year in uwa thesis, nature. With Determinism Essay! The bank will pay interest on such deposits in the euro currency deposit rates. These accounts can be kept in U.S. dollars, sterling, yen and euro and U.S. $ 1,000 or a minimum amount of ?? 500 or equivalent. Accounts can be opened after the other freely convertible currency on the export converts those above currencies. These accounts can, as long as the desire to maintain the account holder. Eligible persons are allowed to return to Bangladesh after such accounts can be opened at any time. In the thesis uganda, application form prescribed by the Bangladesh national qualifying opener and specimen signatures of a foreign official in is free will essay, Bangladesh mission, or a reputable bank or any other person known to Bangladesh AD authentication to buy papers for college, send. The account can be freely repatriated balance and accrued interest, foreign exchange, to will compatible with determinism, his residence or country anywhere in what does home to you, the world is. 3.1.2.
Resident Foreign Currency Deposit (RFCD) A/C. Ordinarily resident in Bangladesh may open and maintain the resident foreign currency deposits (RFCD) accounts receivable and is free compatible with essay foreign exchange to introduce in costing, its return from abroad when traveling. These accounts can be brought by is free will the foreign exchange and customs authorities to declare any amount in library, the form FMJ is opened, brought up to $ 5,000 without any declaration.RFCD accounts may in U.S. dollars, British pound, Japanese yen and the euro was opened, the desire may be retained as long as the account. In these account balances should be free to is free determinism, transfer abroad. From the Fund for these accounts can also send their accounts in the usual way travel abroad (purpose, that endorsement of passport and ticket, up to $ 2,000 in cash in the form of banknotes, and microfinance the remainder in the form of is free compatible essay, TC or other currencies).Ads may be issued to holders of does home, accounts in RFCD account balance favoring international credit cards. The deposition of foreign currency credit to the account of the depositor shall provide a written statement to is free, mention the amount of foreign exchange return date brought from abroad , namely foreign exchange (i) is not a receipt from the export of goods or services in Bangladesh (ii) not commission receivable from abroad due to business in Bangladesh . Iitb Resume Format! The ad will be deposited in the foreign exchange after only checking passports and FMJ depositors form ( if the amount is more than 5000 U.S. dollars equivalent ) , and is satisfied that the correctness of the declaration after the deposit by the RFCD account. Interest shall be paid in foreign currency balances within the account, if the deposit is less a term not exceeding one month, the balance of not less than $ 1,000 or ?? 500 or equivalent. Will Compatible Determinism! The rate should balance them to keep the foreign exchange settlement account with the Bangladesh Bank cut interest rates a quarter percentage points higher than the Bank of kaizen costing study, its interest payments. 3.1.4. Exporters Retention Quota (ERQ) A/C. A) Export of goods entitled to is free with essay, repatriate its exports fob 50% of foreign exchange retention quota.
However, with a high import content of exports of goods (domestic low-value) as POL products, including naphtha, fuel oil and asphalt, imported fabrics, garments, electronic products and other places are reserved repatriate 10% FOB value. B) reserved quota accounts can also be regarded as open and save in reply to back inland letter denominated in foreign exporters to provide the name entered. As a direct export will be treated as shared directly between exporters, advertising must be careful to buy papers, comply with all of the following: I. Is Free Will With! Included in the quota reserved for direct export accounts for the total amount paid to the power input deemed export of foreign exchange together shall not exceed the home mean to you essay, net repatriation of direct export FOB value of exports; and. II. Foreign exchange settlement only back-to-back LC is the deemed export amount is included as an export quota reserved accounts. a. Computer software and data input / processing services exporters may retain 50% ERQ repatriation of export earnings in foreign currency accounts.
b. 5% of those in Para 'C' other services exporters mentioned above may be retained in the account ERQ they repatriate income ratio. However, indenting commission or agency commission export from Bangladesh foreign exchange earnings cannot be included in these accounts, because these revenue sources from Bangladesh origin. 3.2. Import Finance. The total import bill (C F) balance of $ 2011-12 fiscal year, when US$35,516 to pay 5.50 percent higher than imports dollar 33,657 last year billion. Though Early this year, imports increased pay Since the fiscal year in global fuel prices Rising demand for electricity and fuel markets Generations, it slows down for the end This year, as imports of goods were unimportant Discouraged. Import category analysis Industrial raw materials, petroleum and petroleum Products increased by 22.75 percent, 11.15 % and 21.76%, respectively, and is free compatible determinism the main import of capital machinery and Commodity reduced 13.73% and 25.79 percent, respectively.
There are mainly two types of post import finance usually ABL extends to its customers. They are- 3.2.1. Loan against Imported Merchandise (LIM) There are two types of LIM. These ares- Division opened an L / C to understand the marginal part is that the applicant / importer will arrange for case, customs clearance of the goods in consignment clearance time guarantee deposits to the rest of the banks. But sometimes companies do not come forward to deposit margin, the rest of the delivery of the documents from the compatible with, bank. There is no other choice, banks had to be settled by uganda creating LIM PAD (the rest of the deposit) liabilities and port charges delivery of the goods from the port authorities.
This type is called forced LIM LIM. Here LIM components are: (a) Rest of the Margin. (b) Duty, Vat, Taxes applicable for the imported goods. Causes for creation of Forced LIM. The causes of creation of force LIM are:- 1. Mis-Assessment of financial ability of the will compatible with, importer.
2. Sudden fall of network design, price of the imported commodity in the local market. 3. Opening of is free will compatible determinism essay, L/C without justifying the market position. 4. Library! Over-invoicing of the goods etc. Before opening of L/C, Banker should take necessary pre-cautions to avoid such situation. There are some customers who are availing bank financing pledge. Lim arrangement is created for these customers. Imports of goods from and compatible with determinism through the resume format, creation of this LIM LIM adjust to is free will compatible with, customers after the custom authorities promised A / C in debit. 3.2.2. What Home Mean! Loan against Trust Receipt (LTR)
Where a bank under the custody of imported goods stored, the is free compatible determinism, process is kaizen study called LIM or pledge. However, when the delivery of goods importer custody, the system is called a letter of trust receipt or LTR or the TR. Under normal circumstances, LTR is considered to be an important customer banks. Also banks need to consider additional security LTR facility. LTR component Margin (a) break (b) customs duties, VAT, taxes, etc. in whole or in part if the pre-agreed. Tenor LTR transaction is generally 90 days from the date of creation of industrial raw materials 120 days. When the goods are in pledge, inadequate collateral security may be considered but in case of is free determinism essay, LTR, the security should be adequate. 3.2.3. Payment against Document (PAD)
Banks deal with documents, not goods. If L / C shipping documents in order to then L / C issuing bank must be paid to foreign banks to amend the credit within 3 days or 72 hours according to the Uniform Customs and Practice of the International Criminal Court (UCPDC) 500. If there is any discrepancy transport document, then L / C issuing bank to the negotiating bank advised on 7 Otherwise, shipping documents do not match. If the importer does not have enough funds in the bank account, then the bank payments to foreign banks on the shipping documents. 3.3. Export Finance. In the wake of the global financial recovery Recession, Bangladesh's export trade made turn. However, in for college, the sovereign credit crisis Bangladesh is one of the main euro areas Export destination is will determinism essay its impact on exports Trade. Bangladesh's export earnings in the station in the 2011-12 fiscal year, U.S. $ 24,288 million, of which 5.90 Higher than the percentage of export revenues (USD 2010-11 fiscal year, 22,928 million). In export earnings the main increase in fiscal year 2011-12 by major categories Footwear ( 30.10% ) , engineering products ( 21.10% ) , and woven garments ( 13.90% ) of and leather ( 10.80% ) of . On the network design essay, other hand , On raw jute export earnings dip ( -25.40 % ) , and ceramic products ( -10.20 % ) of And jute products ( -7.50 % ) of . Some Incentive program by the following declaration of facilities Government continues. Is Free Will Compatible With! Aid Tile ' entrepreneurs to explore new markets Inspired aid 'announced Package also been extended this year Product diversification and new exploration Export markets.
Meanwhile, the export market has been created in Japan, South Korea, South Africa and Turkey. Further, since the reduced duty India, Bangladesh goods are paid for Visit to what the word essay, India. 3.3.1. Export Cash Credit. In the form of credit to allow exporters before shipment stage, depending on the credit of his main safety requirements of raw materials or finished goods meant for compatible, export. This plant is allowed to be determined by the first category of credit / international banks or companies contract uncollectible valid confirmation of the project.
Depending on the title, degree of control and physical possession of the goods ECC can be of three types- Title and control of goods retained by the bank. Exporters surrender effective control of banks, bank security contributions paid by the actual possession of the goods. Commitment on the underlying commodity implied lien. Therefore, the bank can take recourse to the sale of goods to recover its dues, if the exporter fails to repay. Typically, the profit margin from 10% - 25% is retained to prevent loss from a forced sale generated. Tenor of credit facility: 60 days to 180 days. 2. ECC (Hypothecation): Exporters pledge letter will not charge for the goods in favor of the network design, bank, but neither ownership nor has been passed to it. Only a right or interest to the banks of the goods created, and when combined with exporters from the compatible with determinism essay, bank after he phoned possession of the goods.
3. ECC (Trust Receipt): Usually allows exporter wants to use the loan for microfinance thesis, processing this material and cannot easily take into account the bank's custody package to exporters. For example hides. Execution means goods exporter trust receipts held in trust on is free with determinism behalf of the design, bank. Is Free With! It is usually given to microfinance uganda, high level of integrity and credibility no doubt customers. For relatively small reputable customers, banks often insist on an additional warranty. Settlement of Liability: On receipt of shipping documents, if the same are in order negotiation shall be made and is free the credit outstanding shall be adjusted. Steps followed for ECC:
Export Registration Certificate (ERC) to iitb format, be obtained and its genuinely verified, mention of exportable items is is free will with determinism checked. Scrutiny of Export L/C: a) The L/C is irrecoverable and opened by a first class / internationally reputed bank. b) The L/C is valid. c) Terms of L/C do not violate exchange control regulations. d) L/C does not contain any term which cannot be fulfilled. e) Negotiation of the documents under L/C is not restricted. f) Authenticity of the L/C is verified. g) Reimbursement clause clearly stated. h) Amount of library, L/C distinctly mentioned.
i) Description, quality, quantities, price, sale terms, payment terms are strictly in terms of the compatible with determinism essay, contract. j) There is sufficient time to procure / manufacture and ship the exportable. k) Clean payment terms; there is kaizen case study no realization clause. Scrutiny of the Contract: I. A firm contract duly executed by the buyer or his agent. II. It is is free determinism dated and contains all the terms conditions of the deal. III. Quantity, description, sale terms, amount, payment terms etc are mentioned. IV.
It is signed. V. For College! In all other aspects it is in order. VI. Buyer's credit report is obtained from will determinism essay, buyer's bank or an international credit rating agency. VII. Whether or not the contract is subsequently replaceable by irrecoverable L/C. VIII. A payment term is clear and contains no restrictive clause/condition. Charge documents to be obtained. b) Letter of Arrangement.
c) Letter of Continuity. d) Letter of Authority. e) Letter of Pledge / Hypothecation / or Trust Receipt (as the case may be). Tenor of ECC: 60 days to 180 days. Settlement of ECC: On receipt of shipping documents, if the buy papers, same are in order negotiation shall be made and the credit outstanding shall be adjusted. 3.3.2. Packing Credit (PC) Packaged loans to exporters by law but interest rates to stimulate exports before shipment financing. Determinism! Packing loan is made by a bank authorized to instruct the Reserve Bank as a government policy to promote exports to strengthen the financial position of a country.
In order to obtain packing credit facility, exporters will be to their banks and export order. What The Word Home Mean! Exporters bank official visit factories, socks and export orders and get confident assessment of the value of goods. Packing credit loans are the best financial assistance to banks, to promote one of the export trades. Tenor of will with, packing credits: 90 days maximum. Scrutiny of Export L/C contracts: Same as ECC. 3.3.3.
Local / Foreign Bills Purchased (FBP) Foreign bill purchase (FBP) is uwa thesis library a post from the future earnings of a particular export bills secured delivery facilities. Working capital financing. Export bills for their tenor. Visual and Usance divided into two categories. Vision usually pays the bill within 12 days, the purchase of materials bills may often need 3-6 months to mature. Is Free Compatible With! Bill either under letters of credit, and network buy based on collection methods. 3.3.4. Is Free With Essay! Loan against Export Development Fund (EDF)
On request the Government of Bangladesh to buy papers for college, promote non-traditional exports of manufactured goods business in will compatible with, Bangladesh, the current balance of for college, Export Development Fund for the International Development Association (IDA) arrangement in 1989 (EDF) and $ 31,200,000 principal and French power company $ 1 million dollars. Establishment of Export Development Fund (EDF) in Bangladesh Bank's main objective is to ensure the with, continued availability of foreign exchange to meet the import requirements of resume format, non-traditional manufacturing projects. This facility is available to non-traditional exporting countries, especially the new exporters; exporters expand to higher export value and export diversification into will determinism essay new markets. An exporter identify above is costing eligible to avail of EDF facilities on the conditions stated below: I. He must be an exporter of compatible determinism, non-traditional manufacturing items. II. The value added of these products could be 20% except in the case of garments where it has to uwa thesis, be 30% and above. III.
The loan should be utilized in the case of is free will compatible with, importing raw-materials for manufacturing the kaizen costing case, exportable products. IV. The exporter must have an Export L/C. V. He must create a Back to Back L/C for importing raw materials. VI. The period of loan is 180 days. VII. With Determinism Essay! The exporter can borrow as many times in a year on revolving basis.
VIII. The interest rate of microfinance thesis, EDF is LIBOR + 1%. IX. An exporter can borrow an amount not exceeding US$5,00,000/- in is free will compatible determinism, a single case, but outstanding should not be more than US$10,00,000/- X. Microfinance Uganda! He has to have an Export Credit Insurance through Export Credit Guarantee Scheme (ECGS). Purposes of will compatible with essay, EDF: a) To make the payment of import bill against Back to Back sight L/Cs. For export of goods Bangladesh Bank arrange pre-shipment credit by EDF. b) To increase the working capacity of home mean, Export administration and financial institutions. c) To encourage the motive of the foreign supplier. Foreign guarantee conferring institutions and foreign commercial banks who provide short time loan to the Bangladeshi exporters. Overall Import-Export Business of Agrani bank Ltd.
Import business in 2012 stood Tk. 16,963 crore, and export business in 2012 is compatible with determinism TK. 8,838 crore. 3.4. Foreign Exchange Market.
To control foreign exchange market and cope with this market with Multi-National Bank and uwa thesis library Commercial Bank ABL practices various activities. Is Free Determinism! These activities are the following: ' Selling Foreign Currency for thesis, Import Payment. ' Buying Foreign Currency against Export Proceeds. ' Fixation of Exchange Rate. ' Foreign Currency Buying and Selling. Besides those following activities ABL also follows SWAP transaction in international transaction. SWAP transactions in the bank has five outstanding transactions amounted Tk.
814,912,100 for the December 31, 2010. Money has been regarded as contingent liabilities and bank profits earned Tk. Will Compatible! 822.100 has been accounted for in the month January 2011. Risk Associated with Foreign Exchange Operations. The key risk areas are broadly categorized as follows: This is defined as a debtor or counterparty fails to perform in uwa thesis library, accordance with a prescribed conventions / value date AC / settlement arrangements.
II. Liquidity Risk. It is defined as any money when unable to meet debt maturities, due to will determinism essay, either a lack of funding from either Contracting Party or in the marketplace, so it is difficult to buy the settlement amount needed to does the word to you, systemic problems. Therefore, there is a close relationship between liquidity and credit risk. III. Market Risk. It is defined as adverse changes in one location (i.e., its market value) of the current changes in the relevant market risk factors associated economic value may cause. Market risk terminology. a) Market Factor. It is defined as a variable (i.e. market prices or rates, such as the spot foreign exchange or interest rates) that may affect the economic value of the contract status.
It is the with determinism, market risk management activities to a part of the identity of the relevant market factors, and to consider the establishment of an independent market risk limit framework. b) Factor Sensitivity. It is defined as a market risk factors (for example, to changes in the spot foreign exchange rate of microfinance, 1% change in the spot foreign exchange positions of the is free compatible essay, value) value defines the change in position changes. c) Volatility Correlation. This means that for statistical computing market variables / parameters and design movement (volatility) which affect the relationship between the variables of the scope of another (correlation) factors. It is used in is free compatible essay, measuring portfolio risk, such as value at risk (VaR). d) Value-at-Risk (VaR) VaR is used to estimate the location of a potential decline in the value of a mine or a portfolio, under normal market conditions, the confidence level required, and within a specific time statistical tools. 3.5. Letter of Credit. Credit has become history can be traced to the cornerstone of international trade at the beginning of the twentieth century.
Today, they continue to play a key role in world trade. For any company to thesis uganda, enter the international market, the letter of credit is an important payment mechanism, which helps eliminate certain risks. 3.5.1. Letter of Credit ' Sight: If payment is to be made at the time documents are presented, this is referred to as a sight Letter of Credit. 3.5.2. Letter of Credit ' Usance: Alternatively, if payment is to be made at a future fixed time from presentation of documents (e.g.
60 days after sight), this is referred to as a term, usance or deferred payment Letter of Credit. 3.5.3. Back to Back L/C. Although not recorded in letters of credit, back to is free will with determinism, back is a term involving two credit irrevocable letter of credit transactions using. Iitb Format! These transactions initiated when the seller receives credit coverage must be made by will compatible determinism essay an independent third party; they need to get merchandise credit.
After the second letter second credit card-issuing bank to costing, pay under the look of the first issuing bank for reimbursement. Back-to-back credits letters and distinguish between letters of credit transfers is that, in the credit transferable credit, assignment of is free will compatible with essay, rights under the existing credit. What Does Home Mean To You Essay! In back-to-back transaction, the is free determinism essay, actual issuance of letters of credit is different. Because the back-to-back-end transaction can be technical problems, banks tend to study, hinder its use. 3.6. Will Compatible Determinism Essay! Letter of Guarantee. Agrani Bank Ltd. does follow the following activities on behalf of letter of guarantee. Case Study! Researcher could not describe these activities because he could not find out any information in is free with determinism, detail.
All information is present through superficial ways. ' Advance Payment Guarantee. 3.6.5. Guarantee ' Others. 2012, the value of the network design essay, bank guarantee issued by Tk. 51.501 billion rupees compared, Tk's. 44.205 billion rupees Last year. The guarantee is in the hair Conducive to will with essay, different government departments, Autonomous organizations, enterprises and multi-national Corporate and library other securities on will compatible with determinism behalf of the right Bank customers.
3.7. Other Foreign Exchange Services. 3.7.1. Documentary Bill Collection. Documentary collection is kaizen study a process in which the seller instructed his bank to is free will compatible essay, the relevant export goods to the buyer's bank documents, and requires the production of these documents, to format, pay the buyer, under what circumstances, and these documents can be released to will determinism, the buyer. Documentary collection, including drafts, is another form of payment, when you negotiate your contract of sale to consider. Collections can be sight (D / P or against payment) or long (D / A or D), depending on microfinance whether you have agreed your sales contract payment terms. Collection can be cheaper than credit. However, they also have different risk importers or exporters, according to the payment terms, and how the goods have been shipped. Favorites Send and receive separate treatment should be followed and compatible with various commands.
3.7.2. Network Essay! Advanced Payment for Import Export. With the is free will compatible with determinism essay, view of the buy papers, seller's perspective, an advance payment to pay any business, including safe mode export business. Accepts in advance the amount of sales success in various ways to help plan his financial activities exporter. However, with the view of the buyer's perspective, prepayment risk is not, because he made the payment before delivery. Long-term advances in is free compatible with, exports and imports is only when he knows that as the seller, the seller in the details of the genuine buyers choose. The trade balance recorded a deficit of 3.20 rise Per cent to U.S. $ 7,995 million for the financial year 2011-12 Compared to a deficit of U.S. $ 7,744 million in 2010-11 fiscal year. In the does home essay, meantime, the current account balance recorded a surplus of $ 1.63 billion, compared with a surplus of $ 885 Recorded in compatible with determinism, the 2010 financial year -11. Deficit of ten thousand US$ the study, overall balance of the United States to pay $ 494 station In the 2011-12 fiscal year, which is $ 656 million one hundred million U.S. Is Free Will With! dollars In the 2010-11 fiscal year. 3.7.3.
Foreign Remittance (Incoming Outgoing) Remittances from abroad can be defined as a freely convertible currency in costing study, accordance with the purchase and sale of foreign exchange management regulations for acceptance. A loose translation of sending money home to work abroad for some time. Thousands of people currently working and living in a country that is not their home, and regularly send funds back to their families in their home countries. There are two types of remittance which accept ABL. One is Inward remittance and is free will compatible the second one is outward remittance. Besides the above activities Agrani Bank provide these subsequent activities to broaden their international transactions. ' Foreign Currency Endorsement against Passport. ' Issuance of Draft, TT.
' Collection of Draft, Cheque, TC. ' Opening of Student File, Medical File. 3.8. Overseas Employment and Remittance. Although the slowdown in export of human resources 2010-11 fiscal year, due to the impact in the first half. The global economic downturn, particularly in real estate In the Middle East market and industry In some Southeast Asian labor demand Countries such as Malaysia, it begins to increase From January 2011 the buy papers for college, amount of remittances An increase of 6.03%, to approximately 11,650.32 Million in the 2010-11 fiscal year compared to the Last year.
Bangladesh won the remittances Approximately 12,843.40 one million $ in the 2011-12 fiscal years, higher than the growth in the amount of 10.24% Last year. Government has committed several initiatives, including diplomacy Open up new markets. Up to 69,100 rupees The situation of workers going abroad in search of employment opportunities 2011-12, 57.40 percent higher than the will compatible, In the last year the number was. Start Manpower in costing study, full swing Africa, East exports Europe and Latin America, some diplomatic Initiatives have been taken to next Create a new labor wings in will compatible with essay, some countries. In addition, there is a attempt to impart training The creation of skilled labor in various industries Meet the needs of the foreign labor market. 3.9.
Foreign Remittance Business. The main lifeline inward foreign remittances Rise of Bangladesh's economy. Despite the decline from the domestic manpower, due to the export trend in the past several global economic crises In Bangladesh registered 16.51 percent of Growth in this sector in 2012 as in iitb resume format, 2011.Countries on imports of foreign remittances 14,176.91 million dollars in 2012. Agrani Bank secured the first position between the state receiving remittances abroad State-owned commercial banks in 2012. Is Free Essay! ABL has Contribution of 10.07%, reaching a total Remittance figure in the country, which is $ 1,427.33 million as the calendar year 2012.
ABL There are 22.23 percent growth rate in the past year achievement of $ 1,167.76 this year's results Remittance business. Comparative Study Remittances are other banks as follows: ABL and remittance business expansion policy has been exchanged with four new house including the famous Western Union , the United States currency Courier companies , the United States , NBL remittances Sdn. Bhd. , Malaysia, the standard delivery , the United States in 2012.Currently , ABL has been in uwa thesis, accordance with the agreement It was 48 in 2011 52 exchange houses. In addition to Since then, the work process is underway to attract Remittances ( spot cash ) Web -based operating In addition to the Middle East with some telegraphic transfer East-based remittance houses. Recently, Agrani Handover Pvt.
Limited, Singapore, an Agrani Bank Limited, a subsidiary inaugurated the first three in Jurong West, Singapore. Agrani Remittances home Sdn. Bhd., Malaysia Applicable to expand its branch office Network. To the channel of remittance From Canada a more simple and will compatible determinism essay cost -effective way and Australia, ABL has been approved ,Bangladesh Bank on September 24, 2012 10October 2012 respectively Remittance business license from the authorities Collection of national and expectations Direct remittance quickly from there. In order to facilitate Remittance services, Bangladesh nationals living in the United States of America, ABL is obtaining approval from the uwa thesis, permit process Authority. A large number of Bangladeshi expatriates preferences ABL send money to it through better communication rate , but also for the distribution of its online remittance889 has connected all its branches the use of is free will determinism essay, cash over the counter payment services PIN. In order to maintain remittance flows, ABL Sponsors of different incentive programs, as part of its valuable customers. National wise remittance ABL received in 2012: Foreign investors do not have the opportunity to invoke the various financial institutions from Bangladesh (DFI) credit financing.
In order to design essay, cater to the financial support of offshore banking facilities are required to will with determinism essay, provide to the export processing zones in Bangladesh foreign owned / joint registration units. Presently many foreign banks and costing study got the incense to operate Off-Shore Banking unit in is free will determinism, EPZ Area to facilities the foreign investor. But Agrani Bank in the pipe-line to have off-shore banking license from Bangladesh Bank. Chapter-4- Risk Management. In essence, the risk is very difficult to iitb resume format, predict.
This makes it an urgent need for the bank to is free will compatible with determinism essay, develop its risk management strategy, the most to protect our interests against any insidious way of for college, trading. Therefore, we introduced a risk management manual in six areas, according to the central bank's instructions. They are: credit risk, foreign exchange risk management, asset-liability management (ALM) risk, internal control and is free will compatible compliance (ICC) the uwa thesis, risk of money laundering (ML) risks and with determinism essay IT security risks. The World Bank recognizes the risks and takes action to manage the risks changing business environment brought about. The Bank has established a risk management policy, which aims to balance the risks and rewards will include six processes as follows: Credit Risk Management Manual has been revised. It acts as a guide, to effectively avoid the risk involved in lending activities of banks. Before we have implemented the concept in the background to ensure separation of duties, calling him the exact responsibilities of what does the word mean to you, each individual region. Credit risk rating system (CRG) has been introduced so that the correct loan decisions. Is Free With! All credit officers have been trained, and trained on the CRG system, including control office boss.
A Credit Committee (CRECOM) has been formed to risk headquarters to oversee and review process involved, and give final recommendations for each credit proposal. Special attention has been under restoration and demotion cases large lenders take other action. b) Foreign Exchange Management Risk. Foreign exchange risk arises from what the word mean to you, widespread domestic and will essay international market exchange rate changes. Fund Management Department is responsible for handling foreign exchange and money market operations, including financial functions with maximum efficiency. c) Asset Liability Management Risk. ALCO Bank (ALCOM) continue to uwa thesis, regularly review a chance to sit and threats to its liquidity position and balance sheet, and a mature stand of assets and liquidity contingency plans.
The central bank to maintain its liquidity at a satisfactory level, in order to meet the various needs of customers. d) Internal Control and Compliance Risk. Internal control and compliance plays an important role in financial institutions. This is a review of business processes and organizational records. Good internal controls designed to will compatible, ensure that the goals and objectives are being achieved to reach our long-term profitability of the bank. Bank of library, risk from the past study guide light, ABL as risk management guidelines to identify, assess and control arising from banking operations based in. Thus, ABL has taken effective measures to control and is free will compatible with compliance as well as updating the existing internal control and compliance risks manual ABL. Buy Papers! Strengthen internal controls and compliance department The World Bank has started a special program, the implementation of risk-based audit in all its advertising and corporate affiliates Under this scheme, a good number of branches -.. CPAs Internal control is an integral part of an organization's business policies. It helps to reduce waste, inefficiency, and complexity.
It ensures the accuracy and reliability of accounting to ensure compliance with the organization's policies and to evaluate the is free will compatible determinism essay, performance level of all organizations units.ICC Division by resume format reviewing departmental control features to ensure their internal control procedures checklist (DCFCL), loan documents checklist another mechanism branch (LDCL) and is free will compatible essay quality of operational reports (QOR). Internal Control and Compliance Department continues to test the internal control mechanisms of the banking business, and to review various internal, external, commercial and central bank audit, including management's response to their findings. e) Money Laundering Risk. World Bank to continue its anti-money laundering stance, stressing the thesis, bank exhaustive internal and external training programs, all of the branches. In 2010, a total of 209 officers and staff were trained in the prevention of money by Agrani Bank Training Institute (ABTI) money laundering. The Bank has a Know Your Customer (KYC) and transaction information (TP), Cash Transaction Report (CTR) and Suspicious Transaction Report (STR), if any, and branch AML Compliance Officer (BAMLCO) wise list the record is sent to the Bangladesh Bank. f) ICT Security Risk. Increased uses of information and communication technology, there need to be more careful with the risks associated with information and communications technology security related. The bank has developed a clear definition of information and communication technology policy and is free international best practices and guidelines for the Bangladesh Bank prudential information and communication technology security. It has various levels in line with the iitb, implementation of ICT policy manual for users.
Information and communication technology audit manual has been prepared and is free will compatible with determinism essay is using information and communication technology audit of the bank's activities to ensure that policies and uganda procedures are strictly adhered to. Agrani bank is the third largest Stated-owned bank in compatible determinism essay, Bangladesh. They expand their operation beyond Bangladesh. Today's world is globalized world and most of the network essay, people want to swift transaction along with safe. Is Free Will With! People are busy with work station most the thesis, tome in a day, so it is difficult to go to the bank to execute and complete their financial activities. From the above discussion researcher puts some recommendation to improve their international transaction. - In the era of globalization, Agrani bank did not start Off-hore Banking unit. But recently it can follow that many foreign investors are eager to compatible with, invest in costing case study, Bangladesh. In this regard Agrani bank can introduce off-shore banking unit within short time to collect foreign currency and increase balance of trade. - Agrani bank can introduce internet banking facilities through their entire branches to with determinism essay, straightforward and facilitate international banking. From the the word mean, above discussion it is clear, Agrani Bank play a prominent role to collect inward remittance.
Moreover, Agrani Bank wants to help those importers and exporters who have insufficient money to continue their busine. If this essay isn't quite what you're looking for, why not order your own custom Finance essay, dissertation or piece of essay, coursework that answers your exact question? There are UK writers just like me on hand, waiting to help you. Each of us is buy papers qualified to a high level in is free compatible, our area of expertise, and we can write you a fully researched, fully referenced complete original answer to your essay question. Just complete our simple order form and you could have your customised Finance work in your email box, in as little as 3 hours. This Finance essay was submitted to uwa thesis, us by is free will compatible with determinism a student in order to help you with your studies. This page has approximately words. If you use part of this page in your own work, you need to provide a citation, as follows:
Essay UK, International Banking System In Bangladesh . Available from: http://www.essay.uk.com/free-essays/finance/international-banking-system-bangladesh.php [05-10-17]. If you are the microfinance, original author of this content and is free with determinism no longer wish to have it published on our website then please click on the link below to request removal: Essay UK offers professional custom essay writing, dissertation writing and coursework writing service. Our work is high quality, plagiarism-free and delivered on time. Essay UK is a trading name of Student Academic Services Limited , a company registered in England and Wales under Company Number 08866484 . Registered Data Controller No: ZA245894.
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The Compatibility of Free Will and Determinism Essay
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We thought, however, that it was about determinism, time for resume format, an update, and so eleven years later, before the is free will determinism essay Searchers' Christmas show at thesis The Beck Theatre in Hayes, West London, in December 2011, Wendy Burton spent time with John talking about is free will with determinism essay, how things have panned out in the last decade, and how he sees the future for the Searchers, fifty years after the start of their professional career. The following is a resume of kaizen costing study that interview: Q1: Did you imagine eleven years ago that you'd not only still be touring, but that you would be more popular and is free will compatible essay, successful than ever? John: Yes, very surprised, and network design, pleased too. Frank and I talk about this, always thinking the bubble must burst soon, but thankfully it just gets better. We thought the Sixties Gold package tour we've just done would be a bit too long, but it was great fun and sold extremely well, but we've decided not to take part in a package tour in will compatible determinism 2012. We'll concentrate on our all-evening solo shows, which is what we really prefer doing.
We had a lot of problems with the sound on the package tour, and resume, things are much better when we use just our own sound guy, Phil Hayes, and our own PA equipment. Tonight is is free will compatible with essay, only the second solo show we've done for three months, and as we only thesis uganda did a much shorter set on Sixties Gold, it will take us a couple of nights to get back into will compatible with essay, the routine of the iitb solo shows. Sometimes we do make a few little mistakes, but hopefully only the regulars like you will notice. Q2: You are still looking very fit and well. Is Free Will With Essay? Do you still play five-a-side football? Still with Billy Kinsley of the Merseybeats? John: Thanks, yes, I do try to look after myself. I've just started playing five-aside again, on a Thursday night whenever I'm home, for the first time in uwa thesis over six months. Is Free Will Compatible With? My legs ached a bit to start with but I'm back in the swing of it now. Unfortunately Billy doesn't play any more, he's had both knees replaced in the last year, and costing case, although he's back with the Merseybeats again he's not up to will compatible with essay football now. I don't really get much exercise when away on tour, apart from walking around towns and shops.
Q3: And how do you keep your slim frame and youthful looks? Is it in your genes, or is it down to self-discipline regarding food and drink? John: Both I suppose. I don't over-eat, and uwa thesis, I don't drink alcohol at all, apart from the odd glass of is free will essay champagne at Christmas etc. Uganda? The younger members of the band and the crew like their beer, but that puts on the weight. It's sometimes difficult to compatible essay get decent food on tour, but I try to eat a proper meal in microfinance thesis the middle of the is free essay day - I never eat before a show, that's not good for the digestion.
Also I try to buy papers for college get eight hours of sleep each night although it takes a while to wind down after a long drive home, I go to determinism essay bed and close my eyes but can still see the road. Case? Sometimes, like most people our age, I wake up in is free will compatible with the middle of the night with things going through my mind, but on the whole I get a good amount of sleep. Q4: You seem to have come out of your shell quite a bit in the last few years, especially in the solo all-evening shows. The audience love your banter with Frank. Are you finding it easier to do that these days? John: I suppose so. Much as the fans love Frank's chat, some have said they'd like me to say a bit more, and Frank finds it easier, especially on the humorous side of things, to kaizen study have me to is free will with determinism bounce off - and he does need to have the p..s taken out of him sometimes too! So yes, I do enjoy our banter, but I wouldn't want to do more, such as introducing songs or telling stories, that's best left to Frank. All my comments are ad lib, whereas Frank does plan his to a certain extent. Library? His connection with the audience is superb, even at larger venues he treats them the same as if it was a small intimate theatre, and people seem to love that.
Q5: It's also good that you're singing more lead vocals these days. John: Yes, we need to give Spencer - and Frank - a break sometimes, and to give contrast to determinism essay the set, so I have started singing more - particularly on some of the for college old album tracks and B-sides that we've recently introduced into will compatible with essay, the set. People really love Seven Nights To Rock, for example. And some songs seem to suit my voice better than the others'. Q6: Don't you think it's time to library drop Beach Baby now? Surely after all these years there's no need to will with determinism introduce Spencer that way? And quite a lot of the regular fans think you should give Young Girl a break, or at iitb least drop the encores. John: Yes, we're thinking of dropping Beach Baby, as you say it's no longer necessary. But Young Girl does go down so well with the compatible audiences, I think we'll keep it in, but perhaps without the encores.
Q7. How much difference do you think the website (which has been going for over 14 years now) has made to your continuing ability to fill theatres? John: I think it works a treat, we have a great team in you and Gary, and of course Frank contributes a lot to it and acts as the network design essay go-between between the internet, you and ourselves. Is Free With Determinism? It all helps, as you know I wasn't too sure about it when you and Gary started it, but it has made a big difference. And we enjoy reading what the fans write in after the shows, which of course is normally very complimentary and even if there's some criticism, we welcome it as long as it's constructive. And of course the buy papers all important date sheet means that fans have good advance notice of where we'll be over the next few months. Q.8: It was at this very theatre (the Beck in Hayes), wasn't it, that you did your first-ever solo all evening theatre show, some 15 or so years ago? John: Yes, but it wasn't planned. The support act that night (the Coustiks, who used to back Billy J Kramer back in is free will compatible with the 90s) had a bit of an essay accident (nothing serious thankfully) coming down from Blackpool, and couldn't continue the journey, so at compatible with essay very short notice we had to put together a full evening's show.
Fortunately most of the audience at thesis uganda The Beck are regulars, and they didn't mind the few errors we made, but we very soon established what we think is a very professional show and compatible with, now these evenings are the mainstay of our career. Network Design? When we first started going out solo many of the theatres, where we'd frequently played on package tours, didn't want to compatible with know, but by taking the financial risk ourselves to start with, we gradually persuaded them, and once they'd seen our show they've continued to buy papers for college book us ever since, and we have considerably widened our list of venues. So it was a great career move. Q.9: What have been the highlights of the last eleven years? John: Without doubt, the solo shows. Although they are over 2 hours long (with an interval), they are in fact easier - and more enjoyable - to do than the 40-minute slot we get on with determinism package tours.
We are less up against the clock, we're more relaxed, and we know the audience is there specifically to see us, not just for a general sixties night out. What Does The Word? And there's so much hanging around on the package tours, especially when we're on last, that is compatible essay, quite tiring. And what has now become our annual 6-week trip to Australia, that's something we always greatly look forward to. Q10: The Searchers are known as one of the most friendly groups, always willing to meet and greet people after the shows. This surely must contribute to mean to you essay your continuity popularity? John: Yes, definitely. We learned how to do that from some of the big American groups we used to tour with, many of them did the meet greet thing. Will With Determinism? Make friends with the public, make them feel they are important to does mean to you you (which they are) and they'll come back for is free will compatible with determinism, more. Iitb Format? There have been just a few times recently when we haven't been able to do that after shows, due to restrictions placed on us by the venues themselves, and of course we were sorry to disappoint people on those occasions. Is Free With Determinism? It also adds to our fan base, and shows the uwa thesis theatres how popular we are so they'll book us again. Will Determinism Essay? It's not always easy for Spencer and Scott to be asked to sign CDs and LPs from the early days, which they weren't on, but they do it, it's all part of the job.
Q.11: And any lows in the past eleven years? The deaths of Tony Jackson (in 2002) and Chris Curtis (in 2005) must have been upsetting for you. Had you kept in contact with either of them over the years since they left the band in the mid 60s? John: No real lows career-wise, but yes, both those deaths were very sad. I'd seen and spoken to costing Chris quite a lot, as he still lived in Liverpool, and to is free will with determinism essay a lesser extent I'd kept in touch with Tony too. Tony came to what the word mean to you a few gigs in the Midlands in the 80s before his health started to fail.
One night he was supposed to will compatible determinism essay be coming to see us again in the mid 90s when we heard he'd been rushed to hospital and I did go and see him there. He then came to the 2002 Searchers Appreciation Society Convention and iitb resume, kindly donated some of his excellent drawings for the charity auction. He was looking very frail by then, and when he came to is free determinism see us in network design essay Nottingham (where he lived) a few weeks later we were shocked to see how quickly he had deteriorated. Will With Essay? Frank and network essay, I both went to is free will compatible with essay his funeral (as we did Chris's too), and library, I was very touched that he left all his Searchers memorabilia to me, which I decided to auction off to charity in his name. Chris used to phone me at determinism essay all sorts of odd times, never about library, anything special really, just for a chat I suppose. Compatible With Essay? We'd just got back from for college Australia in the spring of 2005 and heard that he really wasn't well.
I decided to ring him and will determinism, invite him to a show we were doing locally, but couldn't get a reply, so I rang his sister, who gave me the very sad news that he'd died just the day before. It was quite a shock because I often used to see him walking round town. Another more recent death that upset me badly was that of Tony West (who we used to resume call Joe). He was our original bass player when we started as amateurs in the late 50s, who later went on to become a successful promoter in is free compatible essay the North-East, where he sometimes booked us for shows. It was very sudden, unlike Tony and Chris he hadn't been ill, and he and his wife were close lifelong friends of myself and my wife Mary, so it was a terrible shock. Microfinance? He died in his sleep, totally unexpectedly.
The first to go of our teenage “gang”, and it really shook me up. It makes you aware of your own mortality - I found passing the 70 mark myself earlier this year somewhat daunting. 50 was fine, 60 was OK but 70 was worrying - but I'm over it now. Q12: It must have been a bit worrying when drummer Eddie Rothe left in is free will February 2010? Has he kept in microfinance thesis uganda contact since? John: We knew it would happen once he re-met and with determinism, fell in love again with his long-lost sweetheart - the singer, Jane McDonald. What with her schedule and library, his with us they just weren't having enough time together, and one of is free determinism them had to give up, and obviously with her being so successful it had to be Ed.
He told us in November 2009, but we'd just got all the iitb flights booked and work visas organised for will compatible determinism, our annual Australian tour, so he agreed to stay on until we returned in late February. We parted on microfinance uganda good terms, but we haven't seen him at will compatible determinism all since then, although once or twice when we've played a theatre where Jane had recently performed, they've left us messages. Network? But they live a totally different life now. Q13: Any other things that you wish you'd handled better? John: Not really, it's all gone well. We always worry that shows might not sell as well as before, especially with the current gloomy economic situation, and there have been one or two rather sparser than we would have liked, but recently - both on the Sixties Gold package tour and our own solo shows - we've had really good houses and quite a few complete sell outs. This really pleases us, as some bigger names than us have had some disastrously small audiences these past few months. Q14: You certainly chose well in taking on Scott Ottaway as his replacement. He seemed to fit in straight away. John: Yes, he did well right from the essay outset. Kaizen Costing Study? Scott was recommended to us by Mike Read while he was MC-ing our pre-Christmas show in Hull.
We auditioned him a few days later, and he'd done his advance homework well. Compatible With? We appointed him before we left for Australia in the January, so he had a few weeks to rehearse with our live CDs and videos. Microfinance Thesis Uganda? He joined us on is free will our first show after we returned at the end of February, with only what does the word home mean essay a quick run-through in the afternoon. But he's a pro and had a lot of is free will experience, being the resident drummer on some of the big cruise liners and being in a couple of uwa thesis library tribute bands, and although of course he was a little nervous at first, it's all worked out essay, very well, he's got a good temperament and microfinance thesis, the fans have taken well to with essay him. Q15: With no disrespect to iitb resume format Eddie or Scott, is it easier to replace a drummer than a lead singer or a guitarist? John: Yes, it is, but they do need to will compatible with work in close conjunction with the bass player, and Frank and Scott soon got the hang of thesis uganda each other. Because drummers are at the back, and most of is free compatible them don't sing, the what change is less noticeable to the audience, but Scott has made his own mark, and we all get along very well together, which is more than you can say for some of the other groups on the circuit! This is especially important when we do our six week stint in will compatible with Australia, when we're together so much more than when we're doing one nighters at home. At home we all travel separately, as we live in different parts of the country, but in network Australia we are together most of the time. Q16: Spencer has been in the band for nearly 26 years now, longer than Mike Pender was.
Do you get fed up with people still asking about Mike? John: I hadn't actually realised that, but you're right, time just flies by. With? No, we don't mind when people ask about Mike, although people tend to ask more about Tony and Chris. Buy Papers? Of course the compatible with determinism essay situation with Mike still rankles, and microfinance uganda, we'll never get to the bottom of why he did what he did, and the flouting of the court order forbidding him from using or being referred to as “The Searchers” still causes us problems. It doesn't happen here quite so much these days, but it still does when he works overseas. Q17: The past few years have been very busy, with the trips to Australia and elsewhere abroad, an annual-three month long package show with other groups most years, and the rest of the time being mostly your own solo all-evening concerts. Which format of show do you prefer doing? John: Definitely the solo shows, followed by the Australian tour, which is always great fun and a lovely way to get away from the cold British winter and at a time when not much is going on here. Most of our shows in compatible Australia are the uwa thesis library Returned Services Leagues or similar clubs - huge modern and luxurious entertainment and dining centres. And we stay overnight locally so we don't have those long drives home afterwards. Very relaxing.
Q18: I imagine, though, that if either you or Frank were to leave, whether due to ill health or personal choice, that would be the end of The Searchers. I cannot imagine Frank going on is free compatible with determinism essay without you, or you going on without Frank, as you complement each other so well, not only on stage but in format the management of the band too. John: Quite right. We haven't really discussed retirement in any serious way yet, but if he goes, then so do I, and vice versa. I could never do the front man job nor all the PR side of is free will compatible with determinism things that he does, and he wouldn't want to do the financial and business side or the dealings with the “staff” (Frank and I own the band, and buy papers, Spencer and Scott are employees, as are Phil and John, our sound and will compatible, lighting guys). Q19: It's hard to believe it, but you're 70 now, and Frank is 68 - a time when most people have retired and are able to enjoy the fruits of any success they've had, which in your case is enormous.
It's so good that you are both in good health and enjoying what you do, but have you any vague plans as to when you will retire? It's a day that your legions of fans dread! John: Don't worry, we're not going yet. We're already taking bookings into 2013, and as that is the 50th anniversary of the Merseybeat emergence, we might be part of iitb resume a package tour then (having decided to concentrate entirely on our solo shows in 2012, to celebrate our own 50th anniversary year). I still love what I do, I love the music, and don't need to is free compatible determinism essay do it for the money, and neither does Frank, so if and when the library enjoyment goes, that will be the time to retire. Is Free Will Compatible Determinism? And that will, I'm afraid, be the end of The Searchers. (John McNally, interviewed by home mean essay, Wendy Burton, December 2011)
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