Big One

They came to America looking for religious opportunity and consequently were dedicated religious families. Their general public was religious based family arranged, depending on angling and cultivating on little scale, seeing themselves as to be â€Å"much more genuine than all different pilgrims†. These actualities clarify why New England had the witchcraft panics and no uprisings like the Bacon's Rebellion. Then again, the Chesapeake homesteaders came to America looking for gold, silver, or else other possibilities that could come about into benefit.They raised tobacco and corn for fare to Europe and their yields flourished. Economy influenced the general populace, made in larger part of dark slaves working the manors, ND subsequently religion was less extreme in the Chesapeake provinces. The fundamental church was the Anglican Church and numerous individuals did not partake at all in the religious exercises. These truths clarify why Chesapeake had the Bacon's Rebellion and no witchcraft alarms. Religion wasn't as critical in the Chesapeake provinces as it was further North.This is on account of the larger part of those going to the states in Virginia, for instance, were there for profiting and were accordingly primarily embodied vendors, as opposed to Puritans, for instance. Simply needed to include that elision wasn't the ONLY reason for the witchcraft alarms, yet this is the least demanding to bring up. With respect to Bacon's Rebellion, this was a rebellion made up basically by obligated servants, who felt they were being â€Å"held down† by those they worked for. Bound servants were basic in the Chesapeake range. In New England, there weren't the same number of.There was basically a spotlight on families cooperating to accomplish work, instead of having obligated servants doing the work. So since there weren't almost the same number of obligated servants in New England, there wasn't anything like Bacon's Rebellion. . What made Native Americ an peoples vulnerable to conquest by European adventurers? Mans Native Americans history is both captivating and from multiple points of view, heartbreaking. Assessments range from around 10 – 90 million Native Americans occupied America at the time Of the European entries.They had existed in the area numerous, numerous years before white man set foot on their dirt. It is accepted that amid the ice age, they had voyage an area connect over the Bring Sound, from Siberia into what is currently Alaska. They had step by step relocated over the area and southward into Mexico ND past. The name â€Å"Indian† was provided for them by Christopher Columbus who mistakenly accepted he had arrived in the Indies. They have been marked Indians, American Indians, and the now favored Native Americans.They relocated to all locales of the area and were structured into various tribes or countries. These were an individuals who adjusted well to their specific locales and made insightful ut ilization of all characteristic assets accessible. They put stock in regarding the area and the plenitude of blessings it advertised. They got to be capable anglers, seekers, cultivated harvests, for example, corn, and assembled homes with whatever accessible assets their domain gave. Some of these included creature skins, sun-dried block for adobes, or wood for long houses relying upon the districts.The Native American people groups substantiated themselves substandard compared to the European champions from social, efficient, political and military perspectives. A large number of them were in decrease before the entry of the Europeans; they overburdened nature by chasing, exhausting the fauna and greenery. They additionally passed on from urban maladies, in the same ay as tuberculosis and on top of this, they didn't have resistance to the new European ailments and many thousands were slaughtered along these lines. The survivors intermarried and settled in less compelling groups.Th e Indian populace developed gradually in view of the unforgiving conditions. On an alternate hand, the Europeans had unrivaled military engineering; they were wearing metal protective layers, overwhelming weapons and they had cavalry. The Aztec had the information of sanitized gold however did not know how to make iron apparatuses and weapons. 3. What was the role of the colonies in the British mercantilism system? Mans In the mercantilism framework colonies were relied upon to help the homeland attain to a great offset of exchange, ideal specie inflow, financial independence and a fare overflow.States were required to supply items which would overall must be gotten from non-royal sources, produce trades by the creation and offer of items sought after outside the domain, and give a business to the motherland's fares. The homeland would furnish the states with incorporated administrative control of the economy, and additionally maritime and military security. Under the mercantilism f ramework, the part of settlement was to help its â€Å"motherland. † The homeland needed to fare things that were more significant than whatever it needed to import. The American states' part in the British mercantilism framework was to help get this going.They should give items that could be sent out via England and they should purchase profitable things from England. This implied several things. First and foremost, it implied that the provinces would not be permitted to fare things straightforwardly to different nations. Rather, they needed to send them to England first so England could profit when the merchandise were traded. Second, it implied that the provinces were not permitted to make things that would contend with things made in England. Britain needed the pioneers to import things, not to make their own.According to the English laws that systematized these advancements for North America were instituted over a century and were assembled around a progression of Naviga tion Acts starting in 1 651. They were given a complete structure in 1696. English mediation in the economy keeping in mind the end goal to serve national investments delivered budgetary and key focal points to the states. By giving the states the greater part of the delivery rights on exchange tit England, British mercantilism profited the settlements. Mercantilism inexorably brought exchange question with different nations, which thusly frequently declined into military battles.All things considered, then, the provinces' part was to give things that the British could fare and purchase things from Britain. In both ways, they would help England have the capacity to fare more than it transported in. 4. How did the Great War for Empire change the relationship between England and its American colonies? Mans In spite of the fact that a large portion of the North American battling finished n September 8, 1760, when the Marquis De Vaudeville surrendered Montreal and viably all of Canada t o Britain, the French and Indian War formally finished with the marking of the Treaty of Paris on February 10, 1763.The bargain brought about France's loss of all its North American belonging east of the Mississippi (all of Canada was ceded to Britain) aside from Saint Pierre and Uniquely, two little islands off of Newfoundland, denoting the start of a period of British strength outside Europe. The French and Indian War changed the political, efficient, and ideological relations in the middle of Britain and its American provinces. English obligation lead to uncalled for levy of the homesteaders, and this changed the way they felt about their homeland.After the French and Indian War, the nation's colonizing North America moved. After 1763 (Doc. An), English settlements ruled the new world. This took a toll on the political relationship in the middle of Britain and the American pilgrims in light of the fact that it prompt the Proclamation of 1763. The Native Americans (Doc. B) accepte d â€Å"they had no privilege to settle. † The Proclamation was Britain's concept of counteracting further clash. On the other hand, the settlers were rankled, and they accepted they were being denied of their entitlement to be free.Even though overseas ideological qualities to Britain started to change amid the war, the pilgrims' capacity to experience with the blacklists demonstrated they could unite to roll out improvement. All the tariff and regulation added to the hatred pioneers as of now felt before the Proclamation of 1763. Additionally, the French and Indian War, helped American fighters understand they had less freedom than Englishmen. A Massachusetts warrior composed (Doc. D) â€Å"we are suspended Englishmen freedom. American disdain that emerged amid this period helped trigger pioneer disobedience.The French and Indian War is at fault for the American Revolution. Ideologically, it raised pioneer emotions of hatred to Britain. It additionally changed the politica l relationship in the middle of England and its settlers in light of the fact that the English were compelled to unjustifiably impose them because of their efficient battles. The pioneers thus, boycotted, in this manner further harming their financial association with their homeland. After the French and Indian War, America would never be the same.Maximum number of characters (including HTML tags added by text editor): 60,000 Show/Hide Rich-Text Editor Question 2 of 4 1. 1 . The narrative suggests that the war for American independence was not inevitable, that the British empire could have been saved. Do you agree? At what point during the imperial crisis was peaceful compromise possible? 2. Mans After the war for American Independence, John Adams asserted that the Americans were considering autonomy much sooner than the war that began in 1775. I accept that the British Empire could have effectively been safeguarded.War was not inescapable. Had King George Ill not treated the pilgri ms like getting out of hand youngsters from whom he could benefit, peace could have been kept up, and the American Revolution could have been forestalled. At first, the pioneers would not have liked to be divided from England. They just needed the same English rights that the Englanders were managed by the crown. On the other hand, contrasts over the obligation of who would pay for the expense of the Seven Years War and Britain's mercantilism arrangements incited over levy with no representation.At the point when the establishing fathers accumulated at the Second Continental Congress in Philadelphia in 1 775, they had two essential objectives. As a matter of first importance, they needed to declare their entitlement to English rights, including representation. Furthermore, they needed to vow their steadfastness to England. To do this, they sent the Olive Branch Petition in a last endeavor to approach the lord for some help from duties and abuse. The dialect in the appeal is unassumi ng as the originators concede to the ruler and vow their faithfulness.Moreover, in the event that they were to stay with Great Britain, they would get the security of the British war fleet and the most effective domain on the planet. Lamentably, when the lord got the request, he declined to peruse it. Rather, he blamed the pioneers for hard and fast injustice, expressing that they had â€Å"continued to open and acknowledged disobedience. † The settlers by then understood that they would not be given the same rights and fundamentally they would dependably be considered only a wellspring of subsidizing for the ruler.It was as though the 13 provinces were the ruler's contracted servants-?just he was not keen on continually providing for them their flexibility. So yes, the Empire could have en spared if the King had listened to the pilgrims and accepted that they were acting in accordance with some basic honesty by sending the Olive Branch Petition. Obviously, the following arch ive that the lord would get would be the Declaration of Independence, which was, in reality, capital punishments for the individuals who marked it. Though war could have been counteracted with the Olive Branch Petition, with the Declaration, it was positively Inescapable. . Who was to blame for Britain's failure to win a quick victory over the American rebels: General Howe, General Burgeoned, or the ministers in London? Explain your answer. Mans Sir William Howe was an English General who was commandant and head of British strengths amid the American Revolutionary War. On January 4, 1756, Howe was delegated major of the recently structured 60th Regiment (redesigned 58th in 1 757) and headed out with the unit to North America for operations against the French. In this limit he joined in Major General Jeffery Amherst effective attack of Luxurious that late spring.With the demise of his sibling, Brigadier General George Howe at the Battle of Carillon that July, William accomplished a s eat in parliament speaking to Nottingham. Staying in North America, Howe served in Wolf's assault on Quebec in 1759. General Howe was reprimanded for Britain's inability to win a snappy triumph over the American Rebels. America's triumph to autonomy changed to course of history. Through a triumph the fight affected Howe and pulverize his conviction that the dissidents speak to a little piece of the American individuals.Burgeoned proposed an arrangement for vanquishing the Americans he needed to lead an armed force south while the second segment propels east. This arrangement was to be progressed by Howe. Rather the arrangement was sanction by Colonial Secretary Lord George Germane. Hose's part was never unmistakably characterized, and was never issued requests from London to assistant Burgeoned. Burgeoned was left all alone, and was vanquished in the discriminating clash of Saratoga. Howe dispatched his own battle to catch the American legislative center at Philadelphia.As I would l ike to think I don't think it was Hose's deficiency on the grounds that it was Burnoose's arrangement, and he was the one driving the British to this fight. In spite of the fact that, the arrangement was never exceptional by Howe rather it was endorsed by Lord Germane so I think Lord Germane ought to hold a percentage of the obligation regarding the annihilation. Under serious feedback in England for losing to the Americans the lord no more had trust in Howe. Howe asked for to be calmed. Howe got word his acquiescence had been endorsed. 3. Why did Britain switch to a Southern military strategy?Why did that strategy ultimately fail? Mans The British surrender at Yorktown on October nineteenth, 1781 denoted the end of the British procedure to assuage the southern provinces, which got to be known as the Southern Campaign, and denoted the start of the end of British manage in the settlements. Led amid the Revolutionary War from 1780-1781 , it was a consequence of a sensational move in p rocedure that happened after the British misfortune at Saratoga. The battle was focused around a mistaken presumption that the Southern settlements contained an extensive populace of followers, and in this way could be immediately assuaged.The supporters could then be prepared, and in this manner utilized to control the South, liberating British strengths to lead operations somewhere else. The supposition of Loyalist backing in the south did not precisely reflect the mentality in the locale, where British authenticity was at hat point on disappear. As an aftereffect of the shaky authenticity of British reason, they expected to execute a course reading assignment program. The ineffectively planned and executed arrangement, nonetheless, really aroused the crowded and pushed them around the renegade reason, further undermining the authenticity of the operation.The British changed to a southern military technique after General Henry' Clinton touched base in the States to assume control charge Of British troops from William Howe. Clinton chose that the British endeavors in the North had fizzled and that they ought o move South. The South, he felt, would be a superior spot for the British on the grounds that it was accepted that the South had numerous a greater number of Loyalists than the North did. The British felt that they would be in friendlier region there. They would have the capacity to attract on Tory quality to supplement the regulars.They would assemble energy by winning in the South and would then move back North to complete the occupation. There are mainly two reasons behind the failure of the strategy which are: First and foremost, General Henry Clinton took care of the Southern system seriously. He alienated numerous in the South who may have been dependable to the Crown. He did this, for instance, by making a guarantee to freedom to all slaves who would come to British-controlled region. This frightened slave owners and made a greater amount Of them backing the resistance. Second, the methodology utilized by American General Nathaniel Greene was exceptionally viable.He rehearsed a technique of making the British pursue him all over while rejecting any huge pitched fights. This constrained the British to attempt to â€Å"live off the area,† which implied that they needed to aka supplies from neighborhood individuals. This served to make the Southern people contradict the British. Hence, less Southerners stayed devoted to the Crown and the Southern system fizzled. 4. Why was the Constitution a controversial document even as it was being written? Mans The United States Constitution was composed more than 200 years back and it has been utilized as the establishment for the legislature.The constitution has been and still remains the strongest political understanding ever. Despite the fact that a moving record, its creation was not that simple yet dubious. Its signers were partitioned over various significant issues which prom pted protracted contentions when it was being composed. After its creation the Constitution still stays dubious. It has ended up being the epicenter of Civil Rights activism, clash between state sway and national amusingness, sketchy over widespread human services and marriage controversy . The bargains on the key issues that described its genesis are in charge of the discussion of the basic archive.From the earliest starting point of its creation the constitution thoughts were isolated between the backers. The supporters comprehended hat that the constitution was a thought of the republican considering, giving for another level to the individuals' chosen government. Then again, the faultfinders were persuaded that the republicans adjusted themselves in little political units, the states. The partition of forces between the focal government and the state governments was accordingly a significant discussion as the constitution archive was being composed and emerges as a vital issue e xceptional.The agents drafting the constitution experienced issues over the state representation. The delegates that were speaking to rater states bolstered for a populace based representation while the agents from littler states thought an equivalent number Of delegates for each State was reasonable prompting the Electoral College. From its establishment, the U. S. Constitution was a controversial document, praised as a solution to the nation's woes and condemned as a perversion of its republican principles. Critics charged that republican institutions worked only in small political units – the states.Advocates answered that the Constitution extended republicanism by adding another level of government elected by the people. In this composite political system, the new national government would exercise limited, delegated powers, and the existing state governments would retain authority over all other problems. Question 3 off 25. 0 points 1. 1 . Weigh the relative importance o f the Industrial and Market revolutions in changing the American economy. In what ways was the economy different in 1860 from what it had been in 1800? How would you explain those differences? 2.Mans 3. The American economy was dominating agricultural in 1800. This changed drastically by 1860 with the Industrial and Market insurgencies. New canonical machines permitted the industrialist to deliver more products, quicker, and hence more labor was required. A business economy was conceived. New employments were made in the Northern states, while the Southern ones experienced the extension of bondage. The impact of the Industrial and Market unrest in the South was reflected in the large scale manufacturing of cotton, needed for the material business in the North.The solid industrialization had as result the individuals' relocation from country regions to the urban areas, furthermore a huge increment in populace, as living guidelines moved forward. However the Industrial Revolution had additionally a negative effect on the common laborers, who were existing in packed and unsanitary houses and had troublesome working conditions. Generally speaking, the Industrial and Market Revolution was an essential defining moment in the American history and had as outcome the change from an agrarian and rustic culture into a modern and urban one. . In what ways did the emerging industrial economy conflict with artisan republicanism? How did wage laborers respond to the new economy? Mans In 1 sass to sass, industrialization began in United States when producers ND shippers expanded their item yield through building production lines and re-sorting out work. Through these development methodologies, the cost of merchandise was brought down, and division of work got to be more proficient. Then again, the laborers control over conditions and pace of work was dissolved.For the errands that were unsuited to outwork, there was the production of mind Austria facilities portrayed by speci alization of obligations and assignments. The producers depended on steam motors to drive the factories and machines that utilized power as a part of generation. Britons expected that the American producers could get to be included in fares. Accordingly, Britain anticipated fare of material apparatus any fares and also migration of the mechanics. Be that as it may, the presentation of the cotton spinner in America by Samuel Slater denoted the start of Industrial Revolution.England planned defensive enactment that came about to lessened creation rates than in America. Thus, Americans began to enhance their machines and left on mechanical advancement. The ascent of compensation work at the heart of the Industrial Revolution additionally abused working individuals in new ways. The principal strike among material laborers challenging pay and production line conditions happened in 1 824 and even the model factories of Lowell confronted extensive strikes in the sass.Mechanical upheaval ch anged lives of the specialists and the way of their work. Most experts in America created a belief system of artisan republican that relied on upon standards of equity and freedom. They viewed themselves as equivalent and free from constrained work. The expanded republicanism saw numerous specialists taking more wage acquiring occupations. A few workers framed unions and their haggling force with the genuineness elevated. The greater part of the artisans confronting dangers from industrialization began specific shops.The American and English law legalized laborers from sorting out themselves with the point of getting their wages raised. By and by, the development of the work hypothesis of quality by union pioneers as a shared profits society looked for better work conditions and better wage. 3. Why did Protestant Christianity and Protestant women emerge as forces for social change? Mans In the United States, the force of the Protestant and Catholic beliefs was titled amid the pilgri m period, and, in spite of the fact that ladies dwarfed men in the chapels, the congregation chain of importance was solely male.Not until the nineteenth century in the US do history specialists normally see the beginnings of noteworthy social change in ladies' religious parts. Virginia was the biggest, most crowded and most imperative province. The Church of England was legitimately settled; the minister of London made it a most loved preacher target and sent in 22 ministers by 1624. By and by, foundation implied that nearby expenses were piped through the neighborhood area to Andre the needs of nearby government, for example, streets and poor help, notwithstanding the compensation of the clergyman.There never was a minister in provincial Virginia, and by and by the neighborhood vestry comprised of laymen who controlled the ward and took care of nearby expenses, streets and poor easing. The settlers were ordinarily preoccupied, uninterested, and exhausted amid chapel administration s as indicated by the pastors, who grumbled that the individuals were dozing, whispering, gazing at the elegantly dressed ladies, strolling about and advancing and going, or, best ease scenario watching out the windows or gazing blankly into space.Against a predominating view that eighteenth century Americans had not sustained the first pioneers' enthusiastic responsibility to their confidence, researchers now recognize an abnormal state of religious vitality in provinces after 1700. As indicated by one master, religion was in the â€Å"climb as opposed to the declension†; an alternate sees a â€Å"climbing imperativeness in religious life† from 1700 ahead; a third discovers religion in numerous parts of the settlements in a condition Of â€Å"hot development. † Figures on chapel articulation and church development help these sentiments.Somewhere around 1700 and 1 740, an expected 75-80% of the populace went to places of worship, which were being assembled at a headlong pace. By 1 780 the rate of grown-up pilgrims who stuck to a congregation was between 10-30%, not including slaves or Native Americans. North Carolina had the most minimal rate at around 4%, while New Hampshire and South Carolina were tied for the most elevated, at around 16%. Church structures in eighteenth century America fluctuated significantly, from the plain, unobtrusive structures in gently settled rustic regions to rich buildings in the prosperous urban areas on the eastern seaboard.Chapels reflected the traditions and conventions and in addition the riches and societal position of the groups that manufactured them. German holy places contained peculiarities obscure in English ones. 4. Why did women's issues suddenly become so prominent in American culture? Mans In the early sass position of American ladies was legitimately and socially second rate compared to men. Ladies could ‘t vote and, if wedded, couldn't possess property or hold their own income. The chan ge developments of the sass, particularly annulment and moderation, gave ladies an opportunity to get included in general society stadium.Ladies reformers soon started to disturb not only for restraint and abrogation, additionally for ladies' rights. Activists, for example, Angelina and Sarah Grimm, Elizabeth Caddy Stanton, and Lucrative Motto contended that men and ladies are made equivalent and ought to be dealt with thusly under the law. These backers associated with abolitionist William Lloyd Garrison, likewise a fervent women's activist, fusing the forces of the cancellation and the ladies' rights developments. Different backers of both reasons incorporate Sojourner Truth and Frederick Douglass.

Diversity: Individual Rights and Social Care Settings Essay

Diversity recognises, respect and people’s differences to have a say and to realise the full potential by promoting different cultures to all members of staff and students within a school. Within schools diversity is promoted from an early age because of mixed classes of boys and girls and children from different cultures. Children will learn from being in school that every body’s different but we treat them equally. An example of this is another religion could be in the criteria so the children learn about another religion other than theirs. While they learn about another religion they begin to respect it. Diversity is very important when relating to the health and social care settings depending on the care setting because people are taking care of other peoples needs and this shows the cares will show respect towards others difference which they might encounter in every day working life. Equality Equality is ensuring individuals or groups of individuals are treated fairly and equally. An example of this could be within a work place where an employer doesn’t employ a certain person because they are a different race, nationality, age or sex. Within a hospital the members of staff have different ranking orders depending on their job title, even though a surgeon has a higher ranking to a nurse it doesn’t mean they can treat them differently because their job titles. For example a surgeon might look down on the nurse because he/she is lower in the ranking table than them but everyone is equal and should be treated equally. In everyday life within a health and social care setting it is important for all members of staff working within them to ensure they treat everyone is treated fairly even if they are not the same as the other person next to them because everyone is different but should be treated with equal rights. Individual rights An individual right is a legal term referring to what one person’s principles do and what can be done to/for an individual. Within a residential care home there might be some people who cannot look after themselves and some that may not be able to talk. Just because they cannot communicate they still have their individual right to their basic needs and what they want to do. Even if the client has a medical problem they are still entitled to their ndividual rights unless they are not mentally capable to look after themselves. Individual rights are equally important to the health and social care settings when refereeing to the individual’s needs because the carers need to take into account the patients and clients individual needs and if they cannot do it for themselves the carers will and will also have to take into account the individual rights of that person when working with them on a daily basis in some cases.

Introduction to Accounting - AAS3 Coursework Example | Topics and Well Written Essays - 1500 words

Introduction to Accounting - AAS3 - Coursework Example (Morrisons Annual Report, 2012) Moreover, it has 475 stores throughout U.K, while the new CEO, Dalton Phillips has quoted to have said to acquire 100 new stores in London and Southeast. (Morby, 2013) According to their latest annual report, Morrisons employ 131 thousand persons who serve 11 million customers every week. (Morrisons Annual Report, 2012) The current year has brought some positives for the chain of stores in form of two major achievements. Firstly, it has been able to strike a very important deal with Ocado to market its food online, and secondly, it has been able to add 200,000 sq feet of space in only 3 months to cop up with the fierce competition that has prevailed within the industry. (The Guardian, 2013) At present, Morrisons is standing tall due to its good practices in supply chain management, which kept it safe from the latest horsemeat scandal that adversely impacted Tesco. (BBC News, 2013) Today, it is growing at a rapid pace as can be seen by their decision to adopt cash management systems, online food business and the opening of new convenient stores. (Neville, 2013) TABLE OF RATIOS Ratio FY2008 FY2009 FY2010 FY2011 FY2012 Industry 2012 Liquidity Quick Ratio 0.25 0.28 0.22 0.21 0.21 0.77 Current Ratio 0.49 0.53 0.51 0.55 0.57 0.95 Efficiency Asset turnover 1.70 1.77 1.76 1.80 1.79 1.49 Inventory turnover 27.43 27.56 24.87 24.03 21.67 17.95 Debtors Collection 5.5 6.1 3.4 4.3 3.9 2.5 Capital Structure Debt to Equity 74.4% 82.0% 77.0% 68.8% 82.7% 100.0% Debt to Asset 42.7% 45.1% 43.5% 40.8% 45.3% TIE 10.2 11.2 18.0 26.0 25.3 Profitability GPM 6.3% 6.3% 6.9% 7.0% 6.9% 29.3% OPM 4.7% 4.6% 5.2% 5.5% 5.6% 6.1% NPM 4.3% 3.2% 3.9% 3.8% 3.9% 3.8% ROCE 10.6% 10.8% 12.2% 12.9% 13.1% RATIO ANALYSIS The very objective of any business is to earn profits, thus financial strength plays a key role in its success. However, profit is not the only measure to assess the strength of the organization as many factors such as its ability to meet its obligations, its growth, its leverage and its efficiency of operations are some important factors in the process. (Brigham, 1998) Thus in order to better understand the Morrisons, not only the trend of the ratios will be considered but its current performance with respect to its industry will be considered as well. Liquidity The ratios of Morrisons indicate its lesser liquid position with a quick ratio that has hovered around 25% only since FY2008. Despite the assumption that Morrisons deals in an industry that prefers keeping large amount of stocks, even then the industrial average of 77% is 3.7 times larger than the 21% of Morrisons. Moreover, the current ratio which ignores the impact of inventory also suggests the same story which increased to 57% from the last year’s 55%, and still has remained considerably below the industry’s average of 95%. However, one may interpret such information in a positive manner as retail sector prefers low amount of cash to ensure minimum cash ly ing idle. Moreover, the size of Morrisons cannot be denied that allows it to stock large amounts of inventory on credit which only depicts the strength of the Morrisons than any liquidity crunch. (Brigham, 1998) Efficiency The efficiency ratios of Morrisons suggest an efficient system of operations. While asset turnover remained stable at 1.8 since last year, the inventory turnover posted a significant decline from 24 to 21.7, which was still better than

Reading response A Essay Example | Topics and Well Written Essays - 250 words

Reading response A - Essay Example This may be the main reason why some children and adults are finding it hard to learn a second language, or even their first language, if the education system insists on teaching language outside its context. I also find it intriguing how Savage-Rumbaugh emphasizes that if we talk to someone with the expectation that they will understand, then they will understand us, if not now, but eventually. This approach in language acquisition is applicable, not only to those who have language problems because of mental illness, but also to those who are learning the first or second language. The belief that they will learn the language because of assuming positively that they will learn is not based on optimism or faith (though those will not hurt the communication process at all), but on the insight that language is more easily learned when it comes from an empowering viewpoint. For example, for a class of Arabic students learning English as their second language, if I teach to them as if they understand, the more they can actually understand because I use an empowering teaching tone that facilitates them in learning something that I believe they can learn, using the right tools and strategies. Moreover, from Savage-Rumbaugh, I learned that I can help my students learn English better, if I teach it in connection to their local surroundings and relationships. If I make language learning, contextual, relational, and functional for them, the easier it can be for them to learn a second language. Rote learning will not work because it cannot motivate students to learn the second language deeply. One of the keys to language learning is connecting the language, not merely to the first language, but to actual uses and conditions that are present and meaningful to students. Through this approach, I can apply the joint process of language learning. Joint processing means that teachers help students make sense of language

Security Analysis and Portfolio Management Essay - 2

Security Analysis and Portfolio Management - Essay Example Based on the same concept, the following paper aims at establishing the value of stocks from capitalized companies, Exxon and Berkshire, in a given portfolio. The analysis of the two stocks in this paper is achieved through a methodology section, results, and a concluding remark. In order to accomplish the main objective of this paper, two firms with capitalized stocks were selected: Exxon and Berkshire. The stocks of Exxon and Berkshire were the main data to be used in analysis and discussions. 10-years (from 2003 to 2013) of monthly stock price history for both Exxon and Berkshire were obtained from Yahoo Finance. Time series of monthly returns were then obtained from the time series of the monthly stock prices. On the basis of the time series of monthly returns, annualized mean return, standard deviation and correlation of the stocks were calculated. In addition, the analysis also calculated the weights on the minimum variance portfolio that consisted of the stocks from Exxon and Berkshire. Data and results were presented using tables and graphs. The data and results were used in carrying out the analysis and drawing up the conclusion. The 10-years of monthly stock price history for both Exxon and Berkshire obtained from Yahoo Finance are included in Excel file attached. From the monthly stock prices, the monthly returns were established. The results of the monthly returns established from the monthly stock prices are illustrated in Figs. 1 and 2 through the use of a time series graph. In addition to obtaining the returns and illustrating them in the above graphs, the calculated annualized mean return, standard deviation, and correlation of the stocks are illustrated in the following tables. From the above table, the E(R) monthly for Exxon Mobil Corporation is larger than the E(R) monthly for Berkshire Hathaway Incorporation, that is, 1.11% against 0.79%. However, on the

Description of the current brand Assignment Example | Topics and Well Written Essays - 250 words

Description of the current brand - Assignment Example Second, its iconic Cadillac caters for the high-end market (General Motors 1). Thirdly, Chevrolet, GMC and Opel cater for the middle class market segment (General Motors 1). The multiple brands enable the organization to increase its product offering, a key source of competitive advantage in the motor industry. In addition, it enables it to compete in different parts of the world due to differences in consumer needs. In addition, the organization has sub-brands. For example, the organization has separated Cadillac from the other operations due to its huge potential and its ability to operate as a standalone unit (The Daily Herald). The essence of having a sub brand is that it enables the organization to focus on a niche market that it would otherwise have been unable to. Furthermore, its Chevy brand is doing well in the American market. As a result, it has the ability to operate as a sub brand. In conclusion, the motor vehicle industry is a heavily segmented market. Consumers have different utility needs and different levels of purchasing power. Consequently, manufacturers such as General Motors have embraced a product differentiation strategy that enables them to have multiple brands to satisfy the different market needs. In addition, it has sub-brands to cater for niche market

Conversation between men and women Essay Example | Topics and Well Written Essays - 750 words

Conversation between men and women - Essay Example This is because men and women do not interpret things the same way. They react differently during conversations. This in turn creates a lot of conflicts and misunderstandings. The question that arises is as to whether men do not listen to women as they claim or is it that women do not understand men and how they participate during conversations. It is as to whether people can understand and appreciate each other despite of their gender differences and hence walk out of conversations feeling listened to and well understood. In this essay, my main focus will be on the reasons why men and women communicate the way they do and what can be done so that there may be effective communication across the gender divide. It will be argued out that the way we talk is largely influenced by the kind of values that are instilled in us especially o by our parents and the society we live in and not necessarily the way we choose or want to. We need to understand each other when we are communicating in order to avoid instances where conflicts arise due to miscommunications. We needlessly blame "others or ourselves------ or the relationship" (Tannen pg. 17) instead of identifying the gender differences that we have among us and try to understand and accommodate them. Boys and girls essentially are instilled with different sets of cultural values hence it seems that when men and women converse it is like people from two different cultures conversing. Obviously, there will be conflicts due to cultural differences. (Tannen pg. 18) shows that "because boys and girls grow up in what are essentially different cultures...talk between women and men is that of cross-cultural communication" .The fact that the society teaches males and females differently makes them relate differently to one another hence the need to understand each other. Men naturally strive to seek for competition in their conversation so that they are not seen to be losers. They need to show that they are competent and therefore the best in every issue that arises in a conversation. That is why they always give details even on what they have not been asked. The society has taught them to strive to be always dominating and never to appear like they are being controlled. She calls this kind of conversation from men as "report talk". Women on the other hand tend to communicate with the intention of obtaining acceptance in a relationship so that they get the feeling that they belong. According to women, "talk is the glue that binds or holds relationships together" (Tannen pg.85), thus women try to confirm that they are supportive to men by listening keenly so as to establish a good relationship with the men. According to Tannen, women see the world as a network of connections that need to be supported and accepted. They struggle to maintain closeness a nd hence enhance relationships. She calls this "rapport talk". Another problem that occurs on conversations between men and women is consultation. Most women will complain that men do not try to ask about something before they endeavor to undertake it even when they do not have knowledge about it. Tannen gives an example of how women try to consult the husband before inviting someone to their home. This is to ensure that her relationship with the husband remains good. On the contrary, men choose to bring a visitor home without consulting the wife if they sense the visitor will

Recruit Case Study Example | Topics and Well Written Essays - 2000 words

Recruit - Case Study Example The questions are designed to get complete information about the job since sections like background cover requirements such as travel, licensing needs and seasonal changes. The contacts section covers 62 questions on the level of supervision and the level of contacts with employees/clients. Similarly, the physical requirements section cover things like tools which are to be used on the job and other physical activities demanded by the position. Once the questionnaire has been filled, it can be used with reasonable accuracy to judge the type of position and the requirements for the position (HR Guide, 2001). Functional Job Analysis Scales have been used in America since the 1940s to deduce what exactly the requirements are for a particular job. Essentially, this is seen as a representative of what workers do in a job by analyzing the equipment used, the data needed, the people interaction, the instructions given and by analyzing their abilities of reasoning, math and verbal skills. Using these scales it is possible to analyze what the requirements for a cinema manager should be and how the cinema would employ his/her skills for a more efficient delivery of services (HR Guide, 2001). Another method which can be used is the OAI (Occupational Analysis Inventory) that locates and evaluates a person's performance on more than 600 responsibilities and duties which are part of any given job. This inventory looks at the goals of the job, the behaviour of the individual at the job, the mental activities required, the information handled by the person and the context in which the work is done. This inventory is then ranked against the rating scales defined for the task which includes the four elements of extent, application, and functions of the job or specific element of the job. While this method has been applied to many different types of work, it is less reliable then than the PAQ (HR Guide, 2001). The Position Analysis Questionnaire (PAQ) was developed in the 70s as a structured job analysis tool which connects the characteristics of a job to human characteristics found in individuals. The PAQ considers 195 components of work which are divided into five categories to understand where information comes from, the reasoning abilities used by the workers, the output created, relationships with other individuals and the context of the job in social and physical terms (HR Guide, 2001). As discussed earlier, there are several other methods for analyzing the requirements of a job and understanding what kind of individual would be best suited to fill a particular role. Clearly the application of experimentation and scientific analysis to the field of HR has had positive results since these surveys and questionnaires have had better than average success in predicting the requirements for a position in the work force. 2. Job Analysis for Cinema Manager Knowing about the activities of a cinema and the process of running of a cinema

What is egovernment, what was its goal and has it worked Assignment

What is egovernment, what was its goal and has it worked - Assignment Example though installation of e-government is predicted to boost the economy in various ways, it attracts different reactions as far as its sustainability is concerned. Preview of the existing governments that have used it like in United States and Europe gives an insight into the pros and cons of this program. Critical assessment of past literature and the observed global socio-economic and political trend offers the best platform to debate this phenomenon. The relevance of e-government is significantly supported as it seeks to improve public and private partnership in the emerging service delivery models. The increasing debate on quality of service delivery in the public sector has seen growth in e-government. This concept is seen as boosting efficiency and effectiveness of the functionality of the government in its service delivery responsibility to the people. In this wake of public-private partnership, incorporation of information and communication technology in various activities is inevitable. In this respect, various governments have sought to apply e-government towards competitive execution of its services for internal and external interactions .E-government is a means of ‘electronic governance’. It is the use of Information Technology in the functioning of a government so as to have good and smart governance. Smart implies ‘Moral, Simple, Responsive, Accountable, and transparent’. This constitutes the use of information and communication technology by the agencies of the government so as to have transparency while dealing with different issues (Affis co, et al. 2006). E-government has significant role in improving the efficiency of various arms of government in their different duties. However, there are criticisms that are seen as regards its implementation and sustainability in this era of increasing cybercrime among other ICT related challenges. The overall gains that have been made and the prospective benefits that are associated with implementing

Good Teachers Essay Example for Free

Good Teachers Essay Abstract A good teacher is hard to find. One that really loves to teach students and is effect in what they teach. I have only had a few who have inspired me to teach because of their ability to teach effectively. A good teacher is effective in what they teach and they inspire their students. I feel that every student should have the benefit of a great teacher. One that is prepared for the class and apt to teach with clarity and understanding. It is not always good to have one that is just doing it to earn an income. Good teachers are what make the world better, as we learn every day, and if we listen we are always in a class of some type. In this world of fast learning and growing job opportunities we have to be taught by the best teachers so we are able to stay on the top of our business –world. I feel that every teacher needs to be able to change their students’ lives and be experts in their field of teaching. The teacher has to understand how each student learns. Without a doubt we must be able to reach our world and be able to understand what we are trying to learn. â€Å"A Good teacher is someone that is able to make a difference in someone’s life† (Hassett). What makes a good teacher able to teach anybody? Most of people that go to class really want to learn and want to be there. One of the main things in a class room or class setting is for the class to feel free to learn. I feel that every teacher needs to go to college and not to an online school. They need to be able to be in a class room setting so they can understand what their teacher does to prepare them for their class and study. I think one of the most important things for learning is to see it in action and to be able to understand how the right way to teach, and not just trying to make something out of nothing. Most of the teacher need to  get a degree from an accredited college or university that is a reputable teaching institution and able to give the aspiring teacher the proper training. One of the main things in learning is to be preparing for class. The teacher needs to have paper and book and all the supplies. Most teachers need to be able to pass the state board for teaches for them to get their certification to teach in the state of Georgia. Most of teachers in Georgia are teaching without a license because there is a shortage of teachers. This is causing a lot of students to get teachers who have not really been qualified to teach. Teachers need to learn how to listen and to understand when a child is in need or has a special need. Every teacher needs some type of training as there is college just for teachers. The Time it takes to prepare for a class is important as it prepares the teacher to teach effectively. Most of the students will watch their teacher to make sure they know what they are talking about. There has to be a safe environment for the student to learn. Most of the students need to be push to the point where they can learn and how they learn. The teacher needs to be able to detect what learning style the student has. One of the most important things that I love is the fact that they took time out of their busy schedule to check on me and make sure I did not have to repeat the class. They sent information to make sure I could get it done and I am grateful for that. â€Å"A good teacher is someone that knows their craft, in other words, they know what they are teaching. A good teacher knows the ins and outs of what they are teaching. A good teacher enjoys teaching others, their craft and seeing their students learn† (Davis). A teacher also has a passion for people and gets an enjoyment of others success. A teacher shows their student that they care when no one else is showing the student that they care. A teacher’s job is not just a Job. As it is not just to go to work and get a paid check. It has to be a person’s passion; it’s what makes them thrive. Sometime they have to work on days when they don’t get paid just to make sure the students are learning and able to pass the test. A teacher has to show that they want to be there and really enjoy helping people. A teacher never needs to tell a student I got my degree you need to get yours. â€Å"A teacher must stay informed of what they are teaching, in other words if there is new material that goes along with their subject they should learn the new material. This is called personal development. † (Martin-Kniep). A teacher also gives discipline when it is needed because they realize if you do not show discipline in the time of need it can cause the student to have an unstructured life. â€Å"A teacher prepares their students to be successful and persistent in their goals in life. A teacher is a motivator to their students and they keep their students in a positive frame of mind† (Green). â€Å"One of the most important things that a teacher can do is be prepared for the students that come into their classroom. It does take time to make sure the teacher is prepared and ready to teach their class† (Davis). Most teachers really do not know what to expect from year to year and sometimes it gets even hard with the students, parents, and support system. Most of the students will have someone that they can have to come to the class but most of the parents in this day and hour are too busy to do anything but work and try to feed the child. I feel like† we must give the teacher some type of assistance to make sure they are successful as well as to make sure they have a clear plan of action to teach† (Christou). Most of the students will watch their teacher to make sure they know what they are talking about. This has been one of the most frustrating parts of a class and in any place where someone is trying to teach you something they don’t know themselves. A lot of the students do have a learning disorder and some of them will ask questions because they really don’t know what you are saying. They are trying to make sure they understand what is being taught by the teacher. It is not to try to cause problems but to try to understand what is being taught. And the teacher needs to know when the student is really playing and when they are not. As a lot of students have been sent to the office or outside because of asking a question that they really did not understand and someone might have laughed causing the teacher to think they were playing. They send the student outside. Thus making it even harder for the student to learn and to understand clearly what is being said. â€Å"There has to be a safe environment for the student to learn. A lot of the parents are thinking more and more about home schooling their children because it is a little safer and easier for a traveling parent† (Christou). I think if a student feels that he is not safe in the classroom he will not learn and he will always be looking around the room trying to see what is going on. He will begin to see things out of place and every time someone comes to the door or the window the student will be looking and not paying attention to the teacher at all. The main thing is that they student needs to be able to feel like they can ask any question and it not be a problem, and that no one will be laughing at them for the question that they have asked. A lot of students will shut down when they feel like they cannot express themselves, let the teacher know when they are in trouble, and need some extra help. Most of the students really need to know that the teacher is doing all they can to keep order in the class room and to make sure that it is a nice pleasant place to learn and to share idea and even to fuss sometime as long as it is going to help and bring about clarity. Without a doubt, all students need to be pushed and made to learn beyond their own understanding. There should not be a student in there who is not working their brain and able to sleep all day and still pass. Something is wrong with that and someone needs to retest that student and make sure they are on their grade level. A lot of students will not learn too well when the class is too slow for them. They will get bored really fast and not want to do nothing but cause problems because they are bored. I feel like a lot of the students that sleep in class and still walk out of the class with a passing grade need to be evaluated to determine their I. Q. â€Å"It’s about pushing students to excel; at the same time, it’s about being human, respecting others, and being professional at all times† (Leblanc). So they can make sure they push them to their max. Most students never really understand all the class room and it takes a great teacher to be like bridge between the class work and the grades. Sometimes the bridge does try to fall, but, it is a good bridge and it is able to keep the peace. Understand that sometimes it is overrun with words, people, and it has to be patient and understand that it will all pay off in the long run. In this day and hour every job is not just a job. There are many people today who are looking for a job and some of them just are able to pass test because of having book smarts. Some are only teaching in school for a paycheck and to be able to make a living. A teacher needs to be someone who loves what he/ she can do. They do not need to be thinking about a check or about paying bills. Most of them really need to be stable and able to keep their family and personal life separate. The person who wants to be a teacher needs to be more than just someone going for a job. As time passes it is important for the person to know why they are in the class room and to understand their role in shaping the lives of their students. They must understand that at this age most of the students will spend more time with them than at the house with their parents. Most of the students will begin to attach themselves to the class room as they will feel like they were trying to look forward and not behind. Most of them will find a teacher who they relate to and who they feel has their best interest at heart. It is important for teacher to understand that most of the students will watch their every move and how they react. Some of them will even try to copy how the teacher talks, walks, and even how some of them dress. Most of the students want to be a part of something or belong to something for a greater cause. So it is important that most teachers understand their role, be mindful of their actions and understand that someone will always be watching their every move. A teacher has to show that they want to be there and really enjoy helping people. I have always been in a class room where I have heard a lot of my teacher say â€Å"I got my degree now you’ve got to get yours† and some of them even have an attitude with it. This is one of the reasons why I hated school and why I felt that I was cheated of my education when I was in school. Most students really don’t want to be in school so when they already don’t want to be there, and run into something like this, it makes it hard for the student to look past what they see and hear. This is causing a lot of high school students to drop out at the 10th grade. They really do not understand that they are almost there. But we have to take control of this, put a stop to it, and let them know that we do care about them, want them to finish school, be able to learn and be productive in the world today. â€Å"Effective teachers should exhibit positive expectations to ensure each student believes they can excel. Transmitting positive reinforcement by telling each student they have high abilities and are a capable learner will allow students to excel to their highest abilities. In addition, setting positive expectations in the classroom will help students who do not have proper motivation and support at home† (Baker). A teacher never needs to tell a student I got my degree and what about you. Most of the student will always do what they hear and what they see. Most of them are smart enough to understand right from wrong. But it gets worst then they begin to see the teacher doing one thing and then doing something different. A good teacher is hard to find. One that really loves to be in the class with the student and is effective in what they teach. I have only had a few that have really left me with wanting to teach because of what they taught me and this is what a good teacher is. I feel that every student that goes to class should have the benefit of a great teacher. One that is prepared for the class and apt to teach with clarity and understanding. It is not always good to have one that is just doing it because of a Job. This is what makes the world better. As we learn every day and if we listen we are always in a class of some type. I want to be as clear as possible with everything I do and say so that it will help other teachers to take pride in their craft. APPENDIX A REFERENCES Brackett, Nancy. (January 2013) Effective Teacher. Retrieved from http://www. online-distance-learning-education. com/effective-teacher. html Christou,Aris. (June 22, 2006). Materials Camp Will Help Teachers Innovate. Retrieved from http://www. mse. umd. edu/news/news_story. php? id=658 Davis, James R. (Aug 4, 1993). Better Teaching, More Learning: Strategies for Success in Postsecondary Settings: 1st Edition. Green, Elizabeth. (March 2, 2010). Building a Better Teacher. Retrieved from http://www. nytimes. com/2010/03/07/magazine/07Teachers-t. html? _r=0 Hassett, Marie F. PHD. (Winter 2000). What Makes a Good Teacher? Retrieved from http://www. sabes. org/resources/publications/adventures/vol12/12hassett. htm Leblanc, Richard PHD. (1998). Good Teaching: The Top Ten Requirements. Retrieved from http://www. appleseeds. org/good-teach. htm Martin-Kniep, Giselle O. (April 2004). Becoming a Better Teacher: Eight Innovations that works/ Editions 1. Toness, Bianca Vazquez. (May 23, 2011). What Makes A Good Teacher? Retrieved from http://www. wbur. org/2011/05/23/a-teacher.

Vietnam Banking Industry: Customer Satisfaction Analysis

Vietnam Banking Industry: Customer Satisfaction Analysis It can be said that Vietnam is on the way of dramatic development and integration in global economic. Since Vietnam has officially become a member of the World Trade Organization (WTO), besides the advantages and opportunities, there have been still many challenges that Vietnam has to overcome. In recent years, Vietnameses banks have achieved many important achievements in innovation have grown larger and stronger than previous time. However, compared to the world, Vietnam banking industry is still small, modest, and inadequate. Undoubtedly, compared to 10 years ago, Vietnam banking industry has really been a remarkable growth. Firstly, banking system has mobilized and provided a large amount of capital to the economy, estimated about 16-18% of annual GDP (Vietnam Head Department Statistic 2008), nearly 50% of social capital. Credit growth has been increased during the year and in 2008 which was estimate to be approximate 24% that is 19% higher than in 2007. The banking system has also contributed to growth, the development, and economic stability in recent years. Secondly, Vietnams banking system had a comprehensive renovation. Many legal documents have been issued comprehensively, the policies about banking activities has been completed and consistent with international practice. Moreover, the discrimination between types of domestic credit institutions and the foreign ones has been gradually eliminated. Banks as well as credit institution have been autonomous and self-responsible. Competitiveness of credi t institutions has been enhanced therefore banking market has been developing safely and effectively. Thirdly, monetary policies have been renovated and operating under market principles with international practice. The indirect operating tools that manage monetary policies have been formed and developed. Interest rate policy and exchange rate flexibility have been adopted by the market mechanism. Credit policies have been expanded and made innovation in the direction of fairness and equality for all economic sectors, business, and all residents. 1.2 Customer satisfaction management in Vietnam Banking Industry Competitive trends in quality of banking product and services on financial and monetary markets increasingly urged Vietnameses banks to renew and continue to have effective customer policies and strategies in order to compete fairly with foreign banks. Thus, Vietnameses banks have ability to overcome the challenges that have been forecasted to be very fierce in coming time. Customer satisfaction management can be considered as an important point in cultural enterprise and cultural care, implementation of banks strategies towards customers in the context of globalization. Undoubtedly, currently when the difference in quality, design of banking services as well as the competitiveness of the products itself is no longer critical among banks, the determined factor is the quality of customer service. Aware of the important of increase customer satisfaction, Vietnameses banks have established customer satisfaction management in order to evaluate customer satisfaction on their products and services. Therefore, banks can improve their operations as well as consolidate their images in customers eyes, and banks can increase sales, market share, and position in the market. 2. Bank management studies on BIDV, Hochiminh City branch (HCMC) 2.1 Performance of BIDV, HCMC branch Bank for Investment and Development of Vietnam has a short name is BIDV, was established under the Conference No.177/TTg dated on 26/04/1957 of Prime Minister of Socialist Republic of Vietnam. HCMC branch which is one of the largest scale branches in BIDV system, has estimated assets VND 10,000 billion (BIDV annual reports). HCMC branch has high business performance with ROA ratio always above 1%. There are 313 staffs classified into 4 blocks these are credit, customer services, block of units, and internal management. Founded in 1977, HCMC branch is always pioneer branch and dynamic in BIDV system in development new products and services based on applying modern technology and customer-oriented. Recently, BIDV HCMC branch has been successful in the role of focal bank in arrangement of syndicated loans, co-financed investor in large scale projects. HCMC branchs activities in recent years have been customer-oriented, creating the best conditions for customers to access and use bankin g services more effectively. BIDV is one of four state-owned commercial banks so it is quite easy to understand why customers have high level of trust for bank. Based on the result of survey and research done recently to measure customer satisfaction, reveal that generally bank has been successful in bringing satisfaction to customers through the provision of products and services. The level of customer satisfaction varies from agree to fully agree. The measurement of customer satisfaction is based on the quality of services, number of products and services, and the continuity of using the services. The quality of services brings satisfaction to customers, they use the most services provide to them and they seem to be happier to use more BIDVs services. This result confirms the criteria activities cooperate and succeed that BIDV has done for years. Thus, the bank has been successful in bringing satisfaction to customers through the provision of products and services. However, this is also pressure for the bank f or better improvement what they have achieved. Therefore, the bank should promote further efforts to preserve and bring the highest satisfaction to customers. 2.2 Purpose of the study Nowadays, in the competitive environment, customers are crucial survival of the bank. The banks which are paid attention, interest as well as loyalty of customers, will capture market shares and develop faster. Business strategic direction to customers is becoming the most important strategies of banks. How to give customers the best satisfaction is always the problem that banks try their best to fulfill. Therefore, research customer satisfaction in the bank is an important work that has to be done regularly and continuously in order to meet their needs. Since then, they can serve customers better and make customers always be satisfied when using banks products and services. This study is not out of this purpose which aims to enhance customer satisfactions for BIDV as well as increase the quality of products and services supplied by BIDV. 2.3 Significant of the study The study presents the evaluation of customer satisfactions on products and services provided by BIDV HCMC branch. Thus, bank has a comprehensive glance on the products and services they are supplying to customers. Bank should focuses on business development strategies as well as the quality of products and services. Obviously, if the service quality does not meet customers demand, the customers will no longer to use it. From the evaluation of customer satisfactions, bank can realize clearly their strengths and weaknesses. From there, they continue to promote strengths and overcome weaknesses in order to improve the quality of services, increase customer satisfaction. 2.4 Limitation of the study The study has a positive contribution to the bank in understanding customers and identifying their position in the market, however the study still has some certain limitations as follows: The study focuses on group business customers therefore it cannot be the overview of the entire customers transactions in BIDV HCMC branch. The study only considers about the time used and the number of banks transactions, it does not find out all customer satisfaction in the connection with trading enterprises, financial potential and cultural factors. The study only focuses on evaluation of customer satisfaction of HCMC branchs services so it cannot assess on customers in the city and other locations as well as potential customers who are not using banking services. Based on these findings, this study can be improved with variety customer group, larger number of samples, wider research scale. 3. Model relevant to study 3.1 Introduction of Servqual model Managers in banking industry are under increasing pressure to demonstrate that their services are customer focused and that continuous performance improvement is being delivered. Given the financial and resources constrains under which banks must manage it is essential that customer satisfaction are properly met and measured and that from the customer satisfactions, any gaps in services quality are indentified. This information the assists a manager in identified cost effective ways of closing services quality gaps and of prioritizing which gaps to focus on a critical decision given scare resources. This study involves the use of Servqual model (Parasuraman, 1988) which is a popular model of quality research of services and the most common application in the marketing research. According to Parasuraman, the quality of services cannot be determined vaguely but it depends on sense of belonging to customers for such services and this perception is considered by many factors. Servqual model is built based on the evaluation of quality of services, which is the comparison between the expected value, expectation, and the value customers perceived. Servqual model considers two main aspects of services quality as a result services and the process of services which are studied through 5 criteria reliability, responsiveness, tangibles, assurance, and the empathy. Figure 3.1 SERVQUAL MODEL Reliability Responsiveness Customer satisfaction Services quality Tangibles Assurance Sympathy Sources: International Journal of Business and Management 3.2 Elements of Servqual Model 3.2.1 Reliability Reliability shows the ability to provide services accurately, on time, and credibly. This requires consistency in the implementation of services and respects commitments as well as keeps promises to customers. In the banking sector, this criterion is measured by customers through the following elements. The bank performs the services right from the first time. Banking services are implemented at the time they promise. Banking transactions are done correctly. Banks staffs are always ready to serve customers. There are always banks counselors at the table to help the customers. Banks statements are submitted regularly and promptly. 3.2.2 Responsiveness This criterion measures the ability to solve the problem fast, deal with customers complaint effectively and the willing to help customers as well as meet the customers requirements. In other words, responsiveness is the feedback from banks to what customers want. Banks staffs are available to assist customers. Bank provides services rapid, on time. Bank responses positively to customers requirements. Banks hotline for customer services is 24/24. Bank tries to solve problems for customers. 3.2.3 Tangibles Tangibles are the images of the facilities, equipment, machines, attitude of staffs, materials, manuals, and information systems of the bank. General speaking, anything that customers can see by eyes and feel by senses can impact on tangible. The bank has adequate facilities. Bank has modern equipment and machinery. Banks staffs look professional and dressed. Bank arranges the transaction counters, tables, and shelves scientifically and conveniently for customers. 3.2.4 Assurance This element creates credibility and trust for customers, which is considered through professional services, excellent technical knowledge, attitude courtesy, and good communication skills, so that customers can believe in the quality of banks services. Banks staffs serve customers politely, and courteously. Transaction documents are clear and understandable. Banks staffs always provide necessary services information for customers. Banks staffs answer customers questions clearly and accurately. 3.2.5. Sympathy Sympathy is the caring, consideration, and the best preparation for customers, so that they can feel as guests of the bank and are always welcome at any times, anywhere. Human factors are the core of this success and the more caring the bank gives to customers, the more customer understanding increases. The sympathy of banks staffs for their customers are expressed as follows: Banks staffs notices the needs of each customer. Customers do not have to queue for a long time to be served. The bank has convenience location for customers to have transactions. Banks ATM systems are modern and ease to use. Banks staffs treat customers kindly. 3.3 Summary and limitation of previous research and findings Through journals I have examined, research issues about customer satisfaction can be classified into 3 main categories including factors influence on customer satisfaction, the measurement of customer satisfaction, and the impact of customer satisfaction on business 3.3.1 Research about factors influence on customer satisfaction The research investigates the relationship between services quality, overall customer satisfaction, and behavioral intention across public and banks. The findings indicate that services quality is significant determinant of customer satisfaction in banking industry (Monica Bedi, 2010; M.Jun and S.Cai, 2010). However, different dimensions of services quality were found to be statistical significant across public and banks. The study helps banks to redefine their corporate image to one that is customer-oriented and driven by service quality. Research limitation concern the potential for the data inaccuracies due to item misinterpretation or predisposition to certain responses on the part of the participant does exist (Bedi, 2010). Similarly, the sampled data is one limitation which was collected from one organization (M.Jun and S.Cai 2010). Although, the purchasing department serves a wide range of internal customers and is involved in various purchasing activities, the dataset is limited by the potential lack of generalisability. 3.3.2 Research about the measurement of customer satisfaction The research provides method to measure customer satisfaction based on assessing customer perception of services quality in services and retailing organization. One of the most popular model is Servqual (Parasuraman, 1988) is based on the perception gap between the received quality and the expected services quality, and has been adopted for explaining consumer perception of services quality. In addition, the availability of customer satisfaction data from national indices has also facilitated the examination of the factors associated with aggregate level customer satisfaction (M.Ogikubo et al, 2009). Besides, the research points out the limitation of the Servqual is that the evaluation of services quality evaluated based on the expectation performance gap derived from Parasuraman 1988 is insufficient because much of the empirical research supported performance based measures of services quality (K.Ravichandran, 2010). 3.3.3 Research about the impact of customer satisfaction on business The research presents that customer satisfaction has an important impact on business which is determined factor in customer loyalty as well as customer retention (Harkiranpal S., 2006). Moreover, the research provides an examination of satisfaction-retention relationship, and the development of more comprehensive view of the customers quality perception (Hennig Thurau and Klee, 1997). Customer satisfaction positively affects an organizations profitability. Satisfied customers form the foundation of any successful business as customer satisfaction leads to repeat purchase, brand loyalty as well as positive word of mouth (Hoyer and MacInnis, 2001). 4. Methodology for study 4.1 Research design These terms quantitative and qualitative are used widely to differentiate both data collection techniques and data analysis procedures. Quantitative is predominantly used as a synonym for any data collection techniques or data analysis procedures that generates or uses numerical data. In contrast, qualitative is used predominantly as a synonym for any data collection techniques or data analysis procedures that generates or uses non numerical data. Three types of quantitative studies these include experimental approach, cross-sectional designs, and survey method. Because of limited time to complete collecting primary data, survey is an optimal method to collect research information. When using survey will give more control over the research process and sampling is used it is possible to generate findings that are representative of the whole population at a lower cost than collecting the data for the whole population. 4.2 Data collection Data can be obtained from primary or secondary sources. Data can be collected in a variety of ways, in different settings and from different sources. Data collection methods include interviews, questionnaires, observation, and variety of other motivational techniques. Questionnaire is the best way to collect the data about customer satisfaction because making an appointment for personal interviews or telephone interviews is difficult, even though impossible. Beside the personal information and customer characteristic (open questions), questionnaire is designed including 33 properties (closed questions) that build up the characteristic of banking services. It is presented on scale from 1 to 7 points (from lowest satisfaction to highest satisfaction about the components of banking service). It will help quantify the opinion of customers who were invested and use the questionnaire to verify and analyze the multivariable date in the valuable the satisfaction of customers later. The custo mers are also suggested to evaluate their own overall satisfaction in last question by giving the scores. 4.3 Data analysis After collecting all the data, the process of analysis begins. To summarize and rearrange the data, several interrelated procedure are performed during the data analysis stage. For quantitative data analysis, statistical tools of Microsoft excel and analytical software SPSS are used for data input and analysis. The statistic results were presented by graphical form with detail description. 5. Conclusion Customer satisfaction is not only vital factor but also the target that all banks want to achieve. Along with the increasingly strong competitiveness in banking industry, learning about customer needs as well as the factors affecting customer satisfaction has become essential. Therefore, this study is useful in proposed policies, development strategies of banks. In the service sector in general and banking sector in particular, the role of the meeting customer needs has an important implication that derives from the interaction between banks and customers as well as the positive impact that banks have. More specifically, if banks bring their customers the high customer satisfaction, customers will continue to use their services, support new banks products or services, introduce the bank to other partners, and become loyal customers. From there, they are contributing to increase sales, market share, and position in the market that are the targets any bank wants to achieve. This study researches customer satisfaction with the products and services that banks provide to customers. This thesis is presented through the survey of customer satisfaction. Survey results are reliable input source to marketing strategies and opportunities to help banks better understand customer needs, customers evaluation of quality of banks services. Therefore, banks can improve their operations and enhance customer satisfaction more effectively.