The Social Construction Of Race - 2146 Words

Esinu Abadjivor AFAS 304B Professor Machibya 30 March 2015 The Social Construction of Race The underlying characteristic of race concepts is found in its use of phenotypes and physical differences in order to gain an understanding of why there are different people that exist in the world. These differences have been used in understanding the behaviors, intellect, and the value of humans through connecting different characteristics to different classified races. Using phenotypical differences to understand certain characteristic differences is a popular theme in the theories on race. The significance of the concepts of race that have been present throughout history comes from the fact that important events in history have occurred due to these understandings and various communities or nations have incorporated these concepts into levels of government. A common example is found in slavery. Race concepts and the use of assigning certain characteristics to the ‘Negro’ race made way for a period of time that rationalized racial slavery. Here, slaves were not insid ers, or members of the community they labored for. Instead, these slaves were from a different territory, a difficult culture with a different appearance. Their differences in appearance, specifically skin color, was a major factor in justifying their status of slavery. Furthermore, race concepts play a large role in racism. Because certain characteristics were given to different groups of people, there became aShow MoreRelatedRace And Race : The Social Construction Of Race858 Words   |  4 PagesThe race is an indefinite term, which has not been created from science or research, but more so the idea of what it is. Essentially, race is all about perception. One person may separate races based on a certain category of traits while another person uses totally different guidelines to define what races there are. Race has ultimately been created socially, therefor has no biological components until people connect the two terms. This paper examines the connection between society and ra ce whileRead MoreRace As A Social Construction1679 Words   |  7 PagesAlisha Sparks Dr. Stanley POLS 24 November 2015 Race as a Social Construction When we talk about race, what are we really talking about? The issue of race is a complex issue, with socially ambiguous undertones that have plagued our society for decades. Race has been a marker and maker of stereotypes. Race has been used as a justification for injustice. Whether slavery, Japanese internment, or social and economic exclusion, race has given an avenue for those in power to exclude ones deemed ‘other’Read MoreThe Social Construction Of Race1242 Words   |  5 Pagesfoundation for what appears to be the social construction of race. Somewhere along the lines, eugenics became more about isolating certain human characteristics, like skin color, and relegating them to a hierarchy of societal importance (Norrgard, 2008). Race is simply defined as a pattern-based concept that allows for the general public to draw conclusions based on an individual’s geographical location and thereby predetermining their inclusion into a particular social group (Yudel l, et al., 2016) TheRead MoreRace As A Social Construction822 Words   |  4 Pageswhat is race? The term race is difficult to define as a result of the belief that it is â€Å"racist† to talk about race. Although how do we know what race is if we do not discuss it within society. After much thought I defined race as an individual’s background that may be used to describe their ancestor’s demographics as well as their religion. However, today people tend to put more emphasis on race being the color of an individual’s skin. As discussed in class society does not understand what race is,Read MoreThe Social Construction Of Race1743 Words   |  7 PagesIn The Social Construction of Race, Ian F. Haney Lopez defines race as a social construct that is constantly changing its meaning due to the fickle nature of society. Lopez believes that this fickleness stems from a social climate formed by a variety of factors such as human economic interest, current events , and ideology. There are certain racial definitions however, that have remained mostly the same despite efforts to bring attention to the offensiveness and immorality of such discriminatory thinkingRead MoreThe Social Construction Of Race1638 Words   |  7 Pagesstupid immoral, diseased, lazy, incompetent, and dangerous to the white man’s virtue and social order â€Å"(p.181). Blackness have become objectified in public spaces, they are view as a threat on the street of Toronto, surrounding areas and even in the criminal justice system. In fact this negative stereotype of criminalization have put Black males under scrutiny and constant surveillance. The social construction of race by the dominant belief system are still embedded in society that capitalized on minoritiesRead MoreRace As A Social Construction966 Words   |  4 PagesRace is a concept only existing in societies with systems of oppression based on social racism. In chapter eleven: Inequality, they discuss ho w, â€Å"There is nothing intrinsic about, for example, any racial or ethnic group that makes it distinct from any other; race and ethnicity are dynamic, fluid categories that are socially defined†(Ritzer). The oppression of â€Å"superior† groups demonstrates on â€Å"inferior† groups is one consequence of race as a social construction, which is to have one’s identity reducedRead MoreRace Is A Social Construction1074 Words   |  5 Pagesthe term â€Å"race† should not be used. Scholars and others argue that the term â€Å"race† should not be used because there is no biological basis for the concept of race. Geneticists have determined that code for physical traits (the key distinguishing characteristic for â€Å"race†) are inherited independently of one another. Any attempts there have been to define race based on genes are futile, because there is no set of genes that everyone within the â€Å"race† has. Scholars argue that race is a social constructionRead MoreSocial Construction of Race1867 Words   |  8 PagesThere is perhaps no bigger and more expansive social construction known to man than the construction of race. In earlier times race meant a tie to national origin, Greek race, Roman race, etc. race underwent a big change in meaning to it’s more contemporary form to distinguish biological differences of physical features and skin color (Wiegman 157). Film and television in this century and the twentieth century have aided and perpetuated stereotypes of race. These stereotypes have been most associatedRead MoreSocial Construction of Race1418 Words   |  6 PagesThe Use of Humor to Poke Fun at the Social Construction of Class: Illustrated in the Film The Jerk through Navin Johnson Money does not last forever. All the money in the world can become the reason why people change their personality and behavior. In the film The Jerk by Carl Reiner, a complete moron struggles to make it through life on his own, until a bizarre invention makes him unbelievably a wealthy man. Navin grew up in Mississippi as an adopted son of a black family, but on his birthday

Ethics And Technology Controversies, Questions, And...

Chapter eight of Ethics and Technology: Controversies, Questions, and Strategies for Ethical Computing by Herman T. Tavani is about intellectual property disputes. Tavani defines intellectual property as an intangible form of property that is protected by a system of laws through which authors and inventors are given ownership rights over their creative works and inventions. There are four legal frameworks for protecting intellectual property. The first of these is copyright laws. Copyright laws protect authors. An author can also be an individual or an entity such as an organization or corporation. The first United States copyright law was created in 1790 and protected books, maps, and charts. As newer forms of media were developed, copy right protection has extended to them also. In 1980 copyright laws were amended to include computers, programs and databases that exhibit authorship. In order for something to be protected with copyright laws it must be original, nonfunctio nal, and also fixed in a tangible medium. The second legal framework is patents which protects individuals who create an invention or process. Patent laws require that inventions be useful, novel, and nonobvious. The third legal framework is trademarks. A trademark is a word, name, phrase or symbol that identifies a product or service. To qualify for a trademark the mark should be distinctive. The last legal framework for protection is a trade secret. A trade secret is highly valuableShow MoreRelatedEthics in Technology Essay1555 Words   |  7 Pagescomputerized technology, computer engineers had to believe that their contribution to the development of computer technology would produce positive impacts on the people that would use it. During the infancy of computer technology, ethical issues concerning computer technology were almost nonexistent because computers back then were not as multifaceted as they are today. However, ethical issues relating to computer technology and cyber technology is undeniable in today’s society. Computer technology playsRead MoreCyber Crime Id Theft And Credit Fraud1411 Words   |  6 PagesIt is 2012, and Information Technology (IT) is revolutionising society, culture, communication and general Multimedia (MM) in a new fashion. This new fashion is no longer constricted to one continent; it is global. Nor is it constricted to one construct; technology converges ever more rapidly. According to Moore’s law; the doubling of transistors on integrated circuits (ISSCC, 2003) it expects more powerful information technology, and also expect technologies to continue their concrescence to newRead MoreCase Analysis : Aec Corporation2925 Words   |  12 Pagesdecided to purchase and implement a new kind of computer/information technology, Technology X. The implementation of Technology X will likely have a significant impact for AEC’s employees in particular, as well as for Pleasantville in general. It is est imated that 3,000 jobs at AEC will be eliminated when the new technology is implemented during the next six months. Analyse the above case using the philosophical ethics perspective: Ethics is a separate section of philosophy that deals with moral virtueRead MorePros And Cons Of Cyberbullying1180 Words   |  5 Pagesno friends†. Sending mean messages such as these through text, or email, spreading rumors or posting embarrassing pictures, videos, or fake profiles are all examples of cyberbullying. Cyberbullying is bullying that takes place using electronic technology such as cell phones, computers, and tablets as well as communication tools including social media sites, text messages, chat, and websites (U.S. Department of Health and Human Services, 2017). With virtually everyone connected somehow through theRead MoreEthical and Legal Dilemma in It4378 Words   |  18 PagesEthical and Legal Dilemma in IT Nanette E. Armstrong Capella University TS5536 Ethical and Legal Considerations in Information Technology 17 March 2012 Ethical and Legal Dilemma in IT Based on the definition of cyberethics as given by Tavani, â€Å"the study of moral, legal, and social issues involving cybertechnology† (2010, pg. 3), law is usually/always a part of cyberethics to one degree or another. Being right or wrong based on society’s value builds the fundamentals of ethics. MoralRead More Internet Privacy Essay2427 Words   |  10 Pagesthis, keeping in mind that this information might fall into wrong hands. Thus this shows us how one might not be allowed to make choice or decision with freedom. However, the question which needs to be answered is whether anything could be done to avoid this happening next time. It might be difficult to answer this question. SNS operator might not be able take any step in order to stop this happening as information published on SNS by a user is free of control. And probably is difficult to controlRead MoreImpact Of The Digital Millennium Copyright Act On Copyright Enforcement And Fair Use3378 Words à ‚  |  14 Pagesand toward the act of circumvention of the technologies used to protect the rights of digital media owners. Additionally, the act has had adverse effects that outweigh the benefits that it provides. Key Words: copyright, DMCA, DRM, ethics, fair use, legal/societal impact. 1. Introduction Prior to the 1990s, United States copyright legislation, like the media that it protected, had remained relatively unchanged. The advancement of digital technologies, specifically the advent of the InternetRead MoreStrategic Management6582 Words   |  27 PagesReadings/Assignments 1 Introduction to Strategy Objective: Assess how firms create value and how they go about building and sustaining competitive advantage in different markets. Competencies: Quantitative Literacy Critical Thinking Week 1 October 3 – October 9, 2012 Required Reading †¢ Collis, D.J., Montgomery, C.A. (1995, July/August). Competing on resources: Strategy in the 1990s. Harvard Business Review, 73 (4). (Custom Textbook (2012), Managing Strategy in the Global Marketplace. ChapterRead Moreintermediate accounting 2 test bank Essay8318 Words   |  34 Pagesmeans there’s a very high chance that you will see a very similar, if not exact the exact, question in the test! - The file is either in .doc, .pdf, excel, or zipped in the package and can easily be read on PCs and Macs. - Delivery is INSTANT. You can download the files IMMEDIATELY once payment is done. If you have any questions, please feel free to contact us. Our response is the fastest. All questions will always be answered in 6 hours. This is the quality of service we are providing and weRead MoreEthical Decision Making on Various Managerial Accounting Issues6054 Words   |  25 PagesJAMAR Vol. 2  · Number 2  · 2004 Ethical Decision Making on Various Managerial Accounting Issues Arnold Schneider* Abstract This study examines five managerial accounting issues that have ethical implications. These issues are based on situations described in managerial accounting textbooks. 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Banks of India and Bank Free Essays

string(70) " posed by the technology and any other external and internal factors\." Project Report On CUSTOMER SATISFACTION CORPORATE GUIDE FACULTY GUIDE Mr. Ravi Parmar Mr. Rajnish mallick Relationship Manager Submitted in Partial Fulfillment of the requirement of Post Graduate Diploma in management Submitted By Ankur Singh PGDM-III, Semester Batch- 2008-10 Roll no. We will write a custom essay sample on Banks of India and Bank or any similar topic only for you Order Now 014908005 Centre for Management Technology Knowledge Park I Gr. Noida Acknowledgements If words are considered to be signs of gratitude then let these words Convey the very same My sincere gratitude to ICICI BANK for providing me with an opportunity to work with BANK and giving necessary directions on doing this project to the best of my abilities. I am highly indebted to Mr. Remay Verma, Branch Manager and Mr. Ravi Parmar (RM) company project guide, who has provided me with the necessary information and also for the support extended out to me in the completion of this report and his valuable suggestion and comments on bringing out this report in the best way possible. I also thank Prof. Anant Jyoti,(HOD of PGDM), who has sincerely supported me with the valuable insights into the completion of this project. I am grateful to all faculty members of C-Mat and my friends who have helped me in the successful completion of this project. | CONTENTS| | Sr. No. | Subject Covered| Page No. | 1| Acknowledgements| 2| 2| Executive Summary| 4| 3| My Project Objective| 7| 4| Banking Structure in India| 8| 5| Introduction| 9| 6| History of Banking in India| 10| 7| Bank In India| 17| 8| Fact Files of Banks in India| 19| 9| Indian Banking Industries| 26| 10| ICICI Bank | 28| 11| ICICI Group | 33| 2| Technology used in ICICI Bank| 39| 13| Product and Customer segments | 41| 11| Product| 44| 14| SWOT Analysis | 55| 15| Research Methodology| 57| 16| Company Efforts To Ensure Customer Satisfaction | 59| 17| Data Analysis | 69| 18| Comparison With SBI| 79| 19| SWOT Analysis(comparative)| 87| 20 | Questionnaire | 93| 21| Finding | 98| 22 | Suggestion | 99| 23 | Conclusion| 102| 24| Bibliogr aphy| 103| | EXECUTIVE SUMMARY Private banking is a concept which is new and fast emerging in the world of banking where changes have become a necessity in order for banks to survive n this competitive environment vis-a-vis not only from the public and private sector banks but also from the foreign banks. The objective of the research is to explore the various products, which a private banker deals into and the systematic process involved to match client requirements with the right kind of product. Through this research one of the main objectives is to explore the reason why most of the banks are injecting private banking as business profile to their set of service offerings. Though private banking evolved in late 80’s in Asia, in India its not more than 5 years old. ICICI started it in Aug 2002 and since then it has been a remarkable success. Today there are enormous solutions to cater client needs but what suits best to a client is where private banking fits in. Every client will have different needs, liking and preferences. So a customized portfolio for every client is the need of the day. This research will highlight more on the product portfolio of ICICI Private Banking, how they have changed or innovatively structured to be attractive and competitive. Research objective 1. To draw the comparative analysis of ICICI BANK Ltd with SBI etc. 2. To identify the major attributes of customer satisfaction. 3. To study customer perception about ICICI BANK Ltd. 4. To identify and study the various ways of ensuring customer satisfaction adopted by ICICI BANK Vs HDFC SBI. ————————————————- BANKING STRUCTURE IN INDIA Scheduled Banks in India (A) Scheduled Commercial Banks Public sector Banks| Private sector Banks| Foreign Banks in India| Regional Rural Bank| (28)| (27)| (29)| (102)| * Nationalized Bank * Other Public Sector Banks (IDBI) * SBI and its Associates| * Old Private Banks * New Private Banks| | | B) Scheduled Cooperative Banks Scheduled Urban Cooperative Banks (55)| Scheduled State Cooperative Banks (31)| Here we more concerned about private sector banks and competition among them. Today, there are 27 private sector banks in the banking sector: 19 old private sector banks and 8 new private sector banks. These ne w banks have brought in state-of-the-art technology and aggressively marketed their products. The Public sector banks are facing a stiff competition from the new private sector banks. The banks which have been setup in the 1990s under the guidelines of the Narasimham Committee are referred to as NEW PRIVATE SECTOR BANKS. introduction The banking section will navigate through all the aspects of the Banking System in India. It will discuss upon the matters with the birth of the banking concept in the country to new players adding their names in the industry in coming few years. The banker of all banks, Reserve Bank of India (RBI), the Indian Banks Association (IBA) and top 20 banks like IDBI, HSBC, ICICI, ABN AMRO, etc. as been well defined under three separate heads with one page dedicated to each bank. However, in the introduction part of the entire banking cosmos, the past has been well explained under three different heads namely: * History of Banking in India * Nationalization of Banks in India * Scheduled Commercial Banks in India The first deals with the history part since the dawn of banking system in India. Government took major step in the 1969 to put the banking sector into systems and it nationalized 14 private banks in the mentioned year. This has been elaborated in Nationalization Banks in India. The last but not the least explains about the scheduled and unscheduled banks in India. Section 42 (6) (a) of RBI Act 1934 lays down the condition of scheduled commercial banks. The descriptions along with a list of scheduled commercial banks are given on this page. * HISTORY OF BANKING IN INDIA Without a sound and effective banking system in India it cannot have a healthy economy. The banking system of India should not only be hassle free but it should be able to meet new challenges posed by the technology and any other external and internal factors. You read "Banks of India and Bank" in category "Essay examples" For the past three decades India’s banking system has several outstanding achievements to its credit. The most striking is its extensive reach. It is no longer confined to only metropolitans or cosmopolitans in India. In fact, Indian banking system has reached even to the remote corners of the country. This is one of the main reasons of India’s growth process. The government’s regular policy for Indian bank since 1969 has paid rich dividends with the nationalization of 14 major private banks of India. Not long ago, an account holder had to wait for hours at the bank counters for getting a draft or for withdrawing his own money. Today, he has a choice. Gone are days when the most efficient bank transferred money from one branch to other in two days. Now it is simple as instant messaging or dial a pizza. Money have become the order of the day. The first bank in India, though conservative, was established in 1786. From 1786 till today, the journey of Indian Banking System can be segregated into three distinct phases. They are as mentioned below: * Early phase from 1786 to 1969 of Indian Banks Nationalization of Indian Banks and up to 1991 prior to Indian banking sector Reforms. * New phase of Indian Banking System with the advent of Indian Financial ; Banking Sector Reforms after 1991. To make this write-up more explanatory, I prefix the scenario as Phase I, Phase II and Phase III. Phase I The General Bank of India was set up in the year 1786. Next came Bank of Hindustan and Bengal B ank. The East India Company established Bank of Bengal (1809), Bank of Bombay (1840) and Bank of Madras (1843) as independent units and called it Presidency Banks. These three banks were amalgamated in 1920 and Imperial Bank of India was established which started as private shareholders banks, mostly Europeans shareholders. In 1865 Allahabad Bank was established and first time exclusively by Indians, Punjab National Bank Ltd. was set up in 1894 with headquarters at Lahore. Between 1906 and 1913, Bank of India, Central Bank of India, Bank of Baroda, Canara Bank, Indian Bank, and Bank of Mysore were set up. Reserve Bank of India came in 1935. During the first phase the growth was very slow and banks also experienced periodic failures between 1913 and 1948. There were approximately 1100 banks, mostly small. To streamline the functioning and activities of commercial banks, the Government of India came up with The Banking Companies Act, 1949 which was later changed to Banking Regulation Act 1949 as per amending Act of 1965 (Act No. 23 of 1965). Reserve Bank of India was vested with extensive powers for the supervision of banking in India as the Central Banking Authority. During those day’s public has lesser confidence in the banks. As an aftermath deposit mobilization was slow. Abreast of it the savings bank facility provided by the Postal department was comparatively safer. Moreover, funds were largely given to traders. Phase II Government took major steps in this Indian Banking Sector Reform after independence. In 1955, it nationalized Imperial Bank of India with extensive banking facilities on a large scale especially in rural and semi-urban areas. It formed State Bank of India to act as the principal agent of RBI and to handle banking transactions of the Union and State Governments all over the country. Seven banks forming subsidiary of State Bank of India was nationalized in 1960 on 19th July, 1969, major process of nationalization was carried out. It was the effort of the then Prime Minister of India, Mrs. Indira Gandhi. 14 major commercial banks in the country was nationalized. Second phase of nationalization Indian Banking Sector Reform was carried out in 1980 with seven more banks. This step brought 80% of the banking segment in India under Government ownership. The following are the steps taken by the Government of India to Regulate Banking Institutions in the Country: * 1949: Enactment of Banking Regulation Act. * 1955: Nationalization of State Bank of India. * 1959: Nationalization of SBI subsidiaries. 1961: Insurance cover extended to deposits. * 1969: Nationalization of 14 major banks. * 1971: Creation of credit guarantee corporation. * 1975: Creation of regional rural banks. * 1980: Nationalization of seven banks with deposits over 200 crore. After the nationalization of banks, the branches of the public sector bank India rose to approximately 800% in deposits and advances took a huge jump by 11,000%. Banking in the s unshine of Government ownership gave the public implicit faith and immense confidence about the sustainability of these institutions. Phase III This phase has introduced many more products and facilities in the banking sector in its reforms measure. In 1991, under the chairmanship of M Narasimham, a committee was set up by his name which worked for the liberalization of banking practices. The country is flooded with foreign banks and their ATM stations. Efforts are being put to give a satisfactory service to customers. Phone banking and net banking is introduced. The entire system became more convenient and swift. Time is given more importance than money. The financial system of India has shown a great deal of resilience. It is sheltered from any crisis triggered by any external macroeconomics shock as other East Asian Countries suffered. This is all due to a flexible exchange rate regime, the foreign reserves are high, the capital account is not yet fully convertible, and banks and their customers have limited foreign exchange exposure. BANKS IN INDIA In India the banks are being segregated in different groups. Each group has their own benefits and limitations in operating in India. Each has their own dedicated target market. Few of them only work in rural sector while others in both rural as well as urban. Many even are only catering in cities. Some are of Indian origin and some are foreign players. All these details and many more is discussed over here. The banks and its relation with the customers, their mode of operation, the names of banks under different groups and other such useful information’s are talked about. One more section has been taken note of is the upcoming foreign banks in India. The RBI has shown certain interest to involve more of foreign banks than the existing one recently. This step has paved a way for few more foreign banks to start business in India. Major Banks in India| ABN-AMRO Bank * Abu Dhabi Commercial Bank * American Express Bank * Andhra Bank * Allahabad Bank * Bank of Baroda * Bank of India * Bank of Maharastra * Bank of Punjab * Bank of Rajasthan * Bank of Ceylon * BNP Paribas Bank * Canara Bank * Catholic Syrian Bank * Central Bank of India * Centurion Bank * China Trust Commercial Bank * Citi Bank * City Union Bank * Corporation Bank * Dena B ank * Deutsche Bank * Development Credit Bank * Dhanalakshmi Bank * Federal Bank * HDFC Bank * HSBC ICICI Bank * IDBI Bank * Indian Bank | * Indian Overseas Bank * IndusInd Bank * ING Vysya Bank * Jammu ; Kashmir Bank * JPMorgan Chase Bank * Karnataka Bank * Karur Vysya Bank * Laxmi Vilas Bank * Oriental Bank of Commerce * Punjab National Bank * Punjab ; Sind Bank * Scotia Bank * South Indian Bank * Standard Chartered Bank * State Bank of India (SBI) * State Bank of Bikaner ; Jaipur * State Bank of Hyderabad * State Bank of Indore * State Bank of Mysore * State Bank of Saurastra * State Bank of Travancore * Syndicate Bank * Taib Bank * UCO Bank * Union Bank of India * United Bank of India * United Bank Of India * United Western Bank * UTI Bank | Fact Files of Banks in India The first, the oldest, the largest, the biggest, get all such types of information’s about Banking in India in this section. The first bank in India to be given an ISO Certification| Canara Bank| The first bank in Northern India to get ISO 9002 certification for their selected branches| Punjab and Sind Bank| The first Indian bank to have been started solely with Indian capital| Punjab National Bank| The first among the private sector banks in Kerala to become a scheduled bank in 1946 under the RBI Act| South Indian Bank| India’s oldest, largest and most successful commercial bank, offering the widest possible range of domestic, international and NRI products and services, through its vast network in India and overseas| State Bank of India| India’s second largest private sector bank and is now the largest scheduled commercial bank in India| The Federal Bank Limited| Bank which started as private shareholders banks, mostly Europeans shareholders| Imperial Bank of India| The first Indian bank to open a branch outside India in London in 1946 and the first to open a branch in continental Europe at Paris in 1974| Bank of India, founded in 1906 in Mumbai| The oldest Public Sector Bank in India having branches all over India and serving the customers for the last 132 years| Allahabad Bank| The first Indian commercial bank which was wholly owned and managed by Indians| Central Bank of India| | | Bank of India was founded in 1906 in Mumbai. It became the first Indian bank to open a branch outside India in London in 1946 and the first to open a branch in continental Europe at Paris in 1974. PUBLIC SECTOR BANKS Among the Public Sector Banks in India, United Bank of India is one of the 14 major banks, which were nationalized on July 19, 1969. Its predecessor, in the Public Sector Banks, the United Bank of India Ltd. , was formed in 1950 with the amalgamation of four banks viz. Camilla Banking Corporation Ltd. (1914), Bengal Central Bank Ltd. (1918), Camilla Union Bank Ltd. (1922) and Hooghly Bank Ltd. (1932). Oriental Bank of Commerce (OBC), Government of India Undertaking offers Domestic, NRI and Commercial banking services. OBC is implementing a GRAMEEN PROJECT in Dehradun District (UP) and Hanumangarh District (Rajasthan) disbursing small loans. This Public Sector Bank India has implemented 14 point action plan for strengthening of credit delivery to women and has designated 5 branches as specialized branches for women entrepreneurs. The following are the list of Public Sector Banks in India * Allahabad Bank * Andhra Bank * Bank of Baroda * Bank of India * Bank of Maharastra * Canara Bank * Central Bank of India * Corporation Bank * Dena Bank * Indian Bank * Indian Overseas Bank * Oriental Bank of Commerce Punjab ; Sind Bank * Punjab National Bank * Syndicate Bank * UCO Bank * Union Bank of India * United Bank of India * Vijaya Bank List of State Bank of India and its subsidiary, a Public Sector Banks * State Bank of India * State Bank of Bikaner ; Jaipur * State Bank of Hyderabad * St ate Bank of Indore * State Bank of Mysore * State Bank of Saurastra * State Bank of Travancore PRIVATE SECTOR BANKS: Private banking in India was practiced since the beginning of banking system in India. The first private bank in India to be set up in Private Sector Banks in India was IndusInd Bank. It is one of the fastest growing Bank Private Sector Banks in India. IDBI ranks the tenth largest development bank in the world as Private Banks in India and has promoted world class institutions in India. The first Private Bank in India to receive an in principle approval from the Reserve Bank of India was Housing Development Finance Corporation Limited, to set up a bank in the private sector banks in India as part of the RBI’s liberalization of the Indian Banking Industry. It was incorporated in August 1994 as HDFC Bank Limited with registered office in Mumbai and commenced operations as Scheduled Commercial Bank in January 1995. ING Vysya, yet another Private Bank of India was incorporated in the year 1930. Bangalore has a pride of place for having the first branch inception in the year 1934. With successive years of patronage and constantly setting new standards in banking, ING Vysya Bank has many credits to its account. List of Private Banks in India * Bank of Punjab * Bank of Rajasthan * Catholic Syrian Bank * Centurion Bank * City Union Bank * Dhanalakshmi Bank * Development Credit Bank * Federal Bank * HDFC Bank * ICICI Bank * IDBI Bank * IndusInd Bank * ING Vysya Bank * Jammu Kashmir Bank * Karnataka Bank * Karur Vysya Bank * Laxmi Vilas Bank * South Indian Bank * United Western Bank INDIAN BANKING INDUSTRY The Indian banking market is growing at an astonishing rate, with Assets expected to reach US$1 trillion by 2010. An expanding economy, middle class, and technological innovations are all contributing to this growth. The country’s middle class accounts for over 320 million People. In correlation with the growth of the economy, rising income levels, increased standard of living, and affordability of banking products are promising factors for continued expansion. The Indian banking market is growing at an astonishing rate, with Assets expected to reach US$1 trillion by 2010. An expanding economy, middle class, and technological innovations are all contributing to this growth. The Indian banking Industry is in the middle of an IT revolution, Focusing on the expansion of retail and rural banking. Players are becoming increasingly customer – centric in their approach, which has resulted in innovative methods of offering new banking products and services. Banks are now realizing the importance of being a big player and are beginning to focus their attention on mergers and acquisitions to take advantage of economies of scale and/or comply with Basel II regulation. â€Å"Indian banking industry assets are expected to reach US$1 trillion by 2010 and are poised to receive a greater infusion of foreign capital,† says Prathima Rajan, analyst in Celent’s banking group and author of the report. â€Å"The banking industry should focus on having a small number of large players that can compete globally rather than having a large number of fragmented players. † | | Type| Private, BSE NSE, NYSE| Founded| 1955 (as Industrial credit and Investment corporation of India)| Headquarters| ICICI Bank Ltd. , ICICI Bank Towers, Bandra Kurla Mumbai, India| Key people| N Vaghul, K. V. Kamath, Chanda Kochhar, V Vaidyanathan, Madhabi Puri | Industry| Banking Insurance Capital Markets and allied industries| Products| Loans, Credit Cards, Savings, Investment vehicles, Insurance etc. | Revenue| ^ USD 5. 79 billion| Total assets| Rs. 3,997. 95 billion (US$ 100 billion) at March 31, 2008. | Overview ICICI Bank (formerly Industrial Credit and Investment Corporation of India). ICICI Limited was established in 1955 by the World Bank, the Government of India and the Indian Industry, for the promotion of industrial development in India by giving project and corporate finance to the industries in India. ICICI Bank has grown from a development bank to a financial conglomerate and has become one of the largest public financial institutions in India. ICICI Bank has financed all the major sectors of the economy, covering 6,848 companies and 16,851 projects. As of March 31, 2000, ICICI had disbursed a total of Rs. 1,13,070 crores, since inception. ICICI Bank Fact Files: Total assets: Rs. 146,214 crore (December 31, 2004) Network: 530 branches ATMs: Over 1,880 Abroad Subsidiaries: United Kingdom and Canada Abroad branches: Singapore and Bahrain Representative offices: United States, China, United Arab Emirates, and Bangladesh and South Africa. ICICI Bank is India’s second-largest bank with total assets of about Rs. 2,513. 89 bn (US$ 56. 3 bn) at March 31, 2006 and profit after tax of Rs. 25. 40 bn (US$ 569 mn) for the year ended March 31, 2006 (Rs. 20. 05 bn (US$ 449 mn) for the year ended March 31, 2005). ICICI Bank has a network of about 614 branches and extension counters and over 2,200 ATMs. ICICI Bank offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and through its specialized subsidiaries and affiliates in the areas of investment banking, life and non-life insurance, venture capital and asset management. ICICI Bank set up its international banking group in fiscal 2002 to cater to the cross border needs of clients and leverage on its domestic banking strengths to offer products internationally. ICICI Bank (BSE: ICICI) ( Industrial Credit and Investment Corporation of India) is India’s largest private sector bank in market capitalization and second largest overall in terms of assets. Bank has total assets of about USD 100 billion (at the end of March 2008), a network of over 1,491 branches, 22 regional offices and 49 regional processing centers, about 4,485 ATMs (at the end of September 2008), and 24 million customers (at the end of July 2007). ICICI Bank offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and specialized subsidiaries and affiliates in the areas of investment banking, life and non-life insurance, venture capital and asset management. (These data are dynamic. ) ICICI Bank is also the largest issuer of credit cards in India. ICICI Bank has got its equity shares listed on the stock exchanges at Kolkata and Vadodara, Mumbai and the National Stock Exchange of India Limited, and its ADRs on the New York Stock Exchange (NYSE). The Bank is expanding in overseas markets and has the largest international balance sheet among Indian banks. ICICI Bank now has wholly-owned subsidiaries, branches and representatives offices in 18 countries, including an offshore unit in Mumbai. This includes wholly owned subsidiaries in Canada, Russia and the UK (the subsidiary through which the hisave savings brand is operated), offshore banking units in Bahrain and Singapore, an advisory branch in Dubai, branches in Belgium, Hong Kong and Sri Lanka, and representative offices in Bangladesh, China, Malaysia, Indonesia, South Africa, Thailand, the United Arab Emirates and USA. Overseas, the Bank is targeting the NRI (Non-Resident Indian) population in particular. ICICI reported a 1. 15% rise in net profit to Rs. 1,014. 21 crore on a 1. 29% increase in total income to Rs. 9,712. 31 crore in Q2 September 2008 over Q2 September 2007. The bank’s current and savings account (CASA) ratio increased to 30% in 2008 from 25% in 2007. ICICI Bank currently has subsidiaries in the United Kingdom, Russia and Canada, branches in Singapore, Bahrain, Hong Kong, Sri Lanka and Dubai International Finance Center and representative offices in the United States, United Arab Emirates, China, South Africa and Bangladesh. Our UK subsidiary has established a branch in Belgium. ICICI Bank is the most valuable bank in India in terms of market capitalization. ICICI Bank’s equity shares are listed in India on the Bombay Stock Exchange and the National Stock Exchange of India Limited and its American Depositary Receipts (ADRs) are listed on the New York Stock Exchange (NYSE). ICICI Bank has formulated a Code of Business Conduct and Ethics for its Directors and employees. At June 5, 2006, ICICI Bank, with free float market capitalization of about Rs. 480. 00 billion (US$ 10. 8 billion) ranked third amongst all the companies listed on the Indian stock exchanges. ICICI Bank was originally promoted in 1994 by ICICI Limited, an Indian financial Institution, and was its wholly owned subsidiary. ICICI’s shareholding in ICICI Bank was reduced to 46% through a public offering of shares in India in fiscal 1998, an equity offering in the form of ADRs listed on the NYSE in fiscal 2000, ICICI Bank’s acquisition of Bank of Madura Limited in an all-stock amalgamation in fiscal 2001, and secondary market sales by ICICI to institutional investors in fiscal 2001 and fiscal 2002. ICICI was formed in 1955 at the initiative of The World Bank, the Government of India and representatives of Indian industry. The principal objective was to create a development financial institution for Providing medium-term and long-term project financing to Indian businesses. In the 1990s, ICICI transformed its business from a development financial institution offering only project finance to a diversified financial service group offering a wide variety of products and services, both directly and through a number of subsidiaries and affiliates like ICICI Bank. In 1999, ICICI become the first Indian company and the first bank or financial institution from non-Japan Asia to be listed on the NYSE. In October 2001, the Boards of Directors of ICICI and ICICI Bank approved the merger of ICICI and two of its wholly owned retail finance subsidiaries, ICICI Personal Financial Services Limited and ICICI Capital Services Limited, with ICICI Bank. The merger was approved by shareholders of ICICI and ICICI Bank in January 2002, by the High Court of Gujarat at Ahmadabad in March 2002, and by the High Court of Judicature at Mumbai and the Reserve Bank of India in April 2002. Consequent to the merger, the ICICI group’s financing and banking Operations, both wholesale and retail, have been integrated in a single entity. Free float holding excludes all promoter holdings, strategic investments and Cross holdings among  Ã‚  Ã‚   public sector entities. BUSINESS OBJECTIVES Vision To be the leading provider of financial services in India and a major global bank. Mission We will leverage our people, technology, speed and financial capital to: be the banker of first choice for our custome rs by delivering high quality, world-class service. * Expand the frontiers of our business globally. * Play a proactive role in the full realisation of India’s potential. * maintain a healthy financial profile and diversify our earnings across businesses and geographies. * Maintain high standards of governance and ethics. * Contribute positively to the various countries and markets in which we operate. * Create value for our stakeholders. * Product and Services Service and banking of ICICI bank categorized in to personal banking, business banking and NRI banking services. Personal banking- Deposit in form of saving, recurring, term deposit, senior itizen deposit and children depository account are there for individual customer can also avail of their housing, automobile, farm equipment, business or personal loan scheme. Personal client can also invest in mutual funds and participate in stock trading through ICICI bank. Business banking  Ã¢â‚¬â€œ Business banking services of ICICI Bank are exhaustive. Project financing, deal assessment, and land evaluation are investment banking services offered to corporate clients. Global trade and cash management transaction services facilitate remittances and receipts across important cities. Capital market and custodial services enable business houses to participate in equity trading and transfer across major stock markets of world. Customer ICICI bank targets all segment of customer with various types of products and services. I interacted with a a lot of customers and collect their feedback on the given services of company, and feedback are positive response from all point of view. Customers are beneficiary from both sides monetary as well as non monetary. The bank targets to add nearly 500,000 customers under the new scheme in the next one year and plans to offer auto loans through the new online channel in the future, ICICI Bank’s Executive Director, V Vaidyanathan, said here. â€Å"As of now, nearly 24 per cent of our customer transactions are happening through internet. We are primarily targeting our urban customers, who constitute nearly 70 per cent of our total customer-base,† Vaidyanathan said. Customers, opting for the service can also benefit from the quantum optima facility, wherein if the balance exceeds Rs 5,000, the money will automatically be transferred to a fixed deposit scheme, he said. The facility, which also enable customers to transact between an ICICI Bank account and accounts in other banks, is being offered free of cost, he said ICICI bank, presently, has above 2 crore customers. The lender opened nearly 470 branches in the last fiscal. The lender has also plans to launch ‘SMS n Cash’ scheme later this week under which ICICI account holders can transfer funds to those who do not have a bank account. ICICI bank is strongly committed to protecting the privacy of its customers and has taken all necessary and reasonable measures to protect the confidentiality of the customer information and its transmission through the world wide web and it shall not be held liable for disclosure of the confidential information when in accordance with this privacy commitment or in terms of the agreements, if any, with the customers. ICICI bank Endeavour’s to safeguard and ensure the security of the information provided by the customer. ICICI bank uses 128-bit encryption, for the transmission of the information, which is currently the permitted level of encryption in India. When the information provided by the customers is not transmitted through this encryption, the customer’s system (if configured accordingly) will display an appropriate message ensuring the best level of secrecy for the customer’s information. The customer would be required to cooperate with ICICI bank in order to ensure the security of the information, and it is recommended that the customers necessarily choose their passwords carefully such that no unauthorized access is made by a third party. To make the password complex and difficult for others to guess, the customers should use combination of alphabets, numbers and special characters (like! @, #, $ etc. ). The customers should undertake not to disclose their password to anyone or keep any written or other record of the password such that a third party could access it. * ICICI bank undertakes not to disclose the information provided by the customers to any person, unless such action is necessary to: * Conform to legal requirements or comply with legal process; * Protect and defend ICICI bank’s or its affiliates rights, interests or property; * Enforce the terms and conditions of the products or services; or * Act to protect the interests of ICICI bank, its affiliates, or its members, constituents or of other persons. Competitor The main competitor of is ICICI bank is SBI because this bank is totally taken by government after this bank HDFC bank is the main competitor of ICICI bank . There are different types of segment operation semment, investment and services, demat and NRI services. The competitor from the operation segment are State Bank of India(SBI), Axis, Housing Development and Financial corporation(HDFC) etc. From the investment And service sector HDFC standard life insurance corporation, Bharati Axa life insurance ,Reliance Life Insurance Corporation, Max new work life insurance SBI Life insurance,Life Insurance Corporation of India. In demat section India bull,Anangram,SBI,HDFC,India Infoline are the main competitor of ICICI bank. In the NRI service section the Western Union bank is the main competitor of ICICI bank. There are some other company who also compete with the ICICI bank After the SBI the HDFC bank is the main competitor of ICICI bank. HDFC Bank Ltd. is a commercial bank of India, incorporated in August 1994, after the Reserve Bank of India allowed establishing private sector banks. The Bank was promoted by the Housing Development Finance Corporation, a premier housing finance company (set up in 1977) of India. HDFC Bank has 1,500 branches and over 2,890 ATMs, in 530 cities in India, and all branches of the bank are linked on an online real-time basis. As of September 30, 2008 the bank had total assets of INR 1006. 82 billion. State Bank of India is the largest bank in India. It is also, measured by the number of branch offices and employees, the second largest bank in the world. [citation needed] The bank traces its ancestry back through the Imperial Bank of India to the founding in 1806 of the Bank of Calcutta, making it the oldest commercial bank in the Indian Subcontinent. The Government of India nationalised the Imperial Bank of India in 1955, with the Reserve Bank of India taking a 60% stake, and renamed it the State Bank of India. In 2008, the Government took over the stake held by the Reserve Bank of India. SBI provides a range of banking products through its vast network in India and overseas, including products aimed at NRIs. With an asset base of $126 billion and its reach, it is a regional banking behemoth. SBI has laid emphasis on reducing the huge manpower through Golden handshake schemes and computerizing its operations. The State Bank Group, with over 16000 branches , has the largest branch network in India. It has a market share among Indian commercial banks of about 20% in deposits and advances, and SBI accounts for almost one-fifth of the nation’s loans. There are some other banks which gives challenging some how in the banking and service sectorthey are: * Allahabad Bank * Andhra Bank * Bank of Baroda * Bank of India * Bank of Maharashtra * Canara Bank * Central Bank of India Corporation Bank * Dena Bank * IDBI Bank * Indian Bank * Indian Overseas Bank * Oriental Bank of Commerce * Punjab Sind Bank * Punjab National Bank * Syndicate Bank * UCO Bank * Union Bank of India * United Bank of India * Vijaya Bank Environment An employer the bank extends a lot of authority along with justified a ccountability to you. The working culture is very collaborative in nature. It can be owed to the fact that the bank is highly segmented with a lot of overlapping and mostly distinct roles and responsibility. ICICI Bank has established itself as a one stop solution (Universal Bank) for all financial need of individuals and institutions alike. The credit for the same can be attributed to its vast network, probably the largest among private sector banks. This makes the life of an employee a lot easier, especially for those who face the external customers. You do not have to justify your organization, it is only the product that has to be pitched. As far as employee benefits are concerned, ICICI Bank offers a lot of financial benefits ranging from your family health insurance to your kids school donations. The organization is sensitive to the needs of its employees as this quality is one of the building blocks (DNA) of the organizational culture. The organization will be giving you enough flexibility to innovate and come-up with new ideas. It will also exhibit its in terms of well laid systems, processes and infrastructure. It will extend a fast track growth for those with extraordinary talent at the same time offer stability to those who are able to deliver satisfactorily. Overall, I would say it’s a lifetime experience to work with such a behemoth organization. It might not be the best paymaster but it definitely will impress you with its capability as the head master (Principal) of banking industry. there are huge competition between the eployee to achieve theo goal. BUSINESS OBJECTIVES: Vision To be the leading provider of financial services in India and a major global bank. Mission We will leverage our people, technology, speed and financial capital to: be the banker of first choice for our customers by delivering high quality, world-class service. * expand the frontiers of our business globally. * play a proactive role in the full realisation of India’s potential. * maintain a healthy financial prof ile and diversify our earnings across businesses and geographies. * maintain high standards of governance and ethics. * contribute positively to the various countries and markets in which we operate. * create value for our stakeholders. Product and Services Service and banking of ICICI bank categorized in to personal banking, business banking and NRI banking services. Personal banking- Deposit in form of saving, recurring, term deposit, senior citizen deposit and children depository account are there for individual customer can also avail of their housing, automobile, farm equipment, business or personal loan scheme. Personal client can also invest in mutual funds and participate in stock trading through ICICI bank. Business banking  Ã¢â‚¬â€œ Business banking services of ICICI Bank are exhaustive. Project financing, deal assessment, and land evaluation are investment banking services offered to corporate clients. Global trade and cash management transaction services facilitate remittances and receipts across important cities. Capital market and custodial services enable business houses to participate in equity trading and transfer across major stock markets of world. CUSTOMER ICICI bank targets all segment of customer with various types of products and services. I interacted with a a lot of customers and collect their feedback on the given services of company, and feedback are positive response from all point of view. Customers are beneficiary from both sides monetary as well as non monetary. The bank targets to add nearly 500,000 customers under the new scheme in the next one year and plans to offer auto loans through the new online channel in the future, ICICI Bank’s Executive Director, V Vaidyanathan, said here. â€Å"As of now, nearly 24 per cent of our customer transactions are happening through internet. We are primarily targeting our urban customers, who constitute nearly 70 per cent of our total customer-base,† Vaidyanathan said. Customers, opting for the service can also benefit from the quantum optima facility, wherein if the balance exceeds Rs 5,000, the money will automatically be transferred to a fixed deposit scheme, he said. The facility, which also enable customers to transact between an ICICI Bank account and accounts in other banks, is being offered free of cost, he said ICICI bank, presently, has above 2 crore customers. The lender opened nearly 470 branches in the last fiscal. The lender has also plans to launch ‘SMS n Cash’ scheme later this week under which ICICI account holders can transfer funds to those who do not have a bank account. ICICI bank is strongly committed to protecting the privacy of its customers and has taken all necessary and reasonable measures to protect the confidentiality of the customer information and its transmission through the world wide web and it shall not be held liable for disclosure of the confidential information when in accordance with this privacy commitment or in terms of the agreements, if any, with the customers. ICICI bank Endeavour’s to safeguard and ensure the security of the information provided by the customer. ICICI bank uses 128-bit encryption, for the transmission of the information, which is currently the permitted level of encryption in India. When the information provided by the customers is not transmitted through this encryption, the customer’s system (if configured accordingly) will display an appropriate message ensuring the best level of secrecy for the customer’s information. The customer would be required to cooperate with ICICI bank in order to ensure the security of the information, and it is recommended that the customers necessarily choose their passwords carefully such that no unauthorized access is made by a third party. To make the password complex and difficult for others to guess, the customers should use combination of alphabets, numbers and special characters (like! @, #, $ etc. ). The customers should undertake not to disclose their password to anyone or keep any written or other record of the password such that a third party could access it. ICICI bank undertakes not to disclose the information provided by the customers to any person, unless such action is necessary to: * Conform to legal requirements or comply with legal process; * Protect and defend ICICI bank’s or its affiliates rights, interests or property; * Enforce the terms and conditions of the products or services; or * Act to protect the interests of ICICI bank, its affiliates, or its members, constituents or of other persons. COMPETITOR The main competitor of is ICICI bank is SBI because this bank is totally taken by government after this bank HDFC bank is the main competitor of ICICI bank . There are different types of segment operation semment, investment and services, demat and NRI services. The competitor from the operation segment are State Bank of India(SBI), Axis, Housing Development and Financial corporation(HDFC) etc. From the investment And service sector HDFC standard life insurance corporation, Bharati Axa life insurance ,Reliance Life Insurance Corporation, Max new work life insurance SBI Life insurance,Life Insurance Corporation of India. In demat section India bull,Anangram,SBI,HDFC,India Infoline are the main competitor of ICICI bank. In the NRI service section the Western Union bank is the main competitor of ICICI bank. There are some other company who also compete with the ICICI bank After the SBI the HDFC bank is the main competitor of ICICI bank. HDFC Bank Ltd. is a commercial bank of India, incorporated in August 1994, after the Reserve Bank of India allowed establishing private sector banks. The Bank was promoted by the Housing Development Finance Corporation, a premier housing finance company (set up in 1977) of India. HDFC Bank has 1,500 branches and over 2,890 ATMs, in 530 cities in India, and all branches of the bank are linked on an online real-time basis. As of September 30, 2008 the bank had total assets of INR 1006. 82 billion. State Bank of India is the largest bank in India. It is also, measured by the number of branch offices and employees, the second largest bank in the world. [citation needed] The bank traces its ancestry back through the Imperial Bank of India to the founding in 1806 of the Bank of Calcutta, making it the oldest commercial bank in the Indian Subcontinent. The Government of India nationalised the Imperial Bank of India in 1955, with the Reserve Bank of India taking a 60% stake, and renamed it the State Bank of India. In 2008, the Government took over the stake held by the Reserve Bank of India. SBI provides a range of banking products through its vast network in India and overseas, including products aimed at NRIs. With an asset base of $126 billion and its reach, it is a regional banking behemoth. SBI has laid emphasis on reducing the huge manpower through Golden handshake schemes and computerizing its operations. The State Bank Group, with over 16000 branches , has the largest branch network in India. It has a market share among Indian commercial banks of about 20% in deposits and advances, and SBI accounts for almost one-fifth of the nation’s loans. There are some other banks which gives challenging some how in the banking and service sectorthey are: * Allahabad Bank * Andhra Bank * Bank of Baroda * Bank of India * Bank of Maharashtra * Canara Bank * Central Bank of India * Corporation Bank * Dena Bank * IDBI Bank * Indian Bank * Indian Overseas Bank * Oriental Bank of Commerce * Punjab Sind Bank * Punjab National Bank * Syndicate Bank * UCO Bank * Union Bank of India * United Bank of India * Vijaya Bank ENVIRONMENT An employer the bank extends a lot of authority along with justified accountability to you. The working culture is very collaborative in nature. It can be owed to the fact that the bank is highly segmented with a lot of overlapping and mostly distinct roles and responsibility. ICICI Bank has established itself as a one stop solution (Universal Bank) for all financial need of individuals and institutions alike. The credit for the same can be attributed to its vast network, probably the largest among private sector banks. This makes the life of an employee a lot easier, especially for those who face the external customers. You do not have to justify your organization, it is only the product that has to be pitched. As far as employee benefits are concerned, ICICI Bank offers a lot of financial benefits ranging from your family health insurance to your kids school donations. The organization is sensitive to the needs of its employees as this quality is one of the building blocks (DNA) of the organizational culture. The organization will be giving you enough flexibility to innovate and come-up with new ideas. It will also exhibit its in terms of well laid systems, processes and infrastructure. It will extend a fast track growth for those with extraordinary talent at the same time offer stability to those who are able to deliver satisfactorily. Overall, I would say it’s a lifetime experience to work with such a behemoth organization. It might not be the best paymaster but it definitely will impress you with its capability as the head master (Principal) of banking industry. there are huge competition between the eployee to achieve theo goal. TECHNOLOGY ICICI use many type of advance technological software like Pinnacle 7. 0 and Pinnacle7. 016. Among from this software ICICI bank uses the e-banking, core banking, mobile banking electronic display sy ICICI Bank was using Teradata for its data warehouse. However, due to its proprietary hardware, the cost of procurement, upgrades and administration was soaring. The closed box architecture of Teradata imposed restrictions on scalability. Secondly, querying and loading could not happen simultaneously. Queries could only be run during business hours because the loading of data had to take place during off-business hours. This meant that the refresh rate of EDW was delayed, so queries may not reflect the most current data. ICICI Bank was also dependent on Teradata for support and other activities: The bank was completely tied down to that solution. These issues compelled ICICI Bank to look for more efficient and flexible solutions. The solution would have to address not only current issues, but accommodate future growth expectations and business requirements. ICICI Bank evaluated numerous data warehousing solutions in the pursuit of solving its issues, and developed a shortlist of alternatives for its migration proof-of-concept: Sybase, SAS and Netezza. The primary criteria for evaluation was the price-to-performance ratio where Sybase IQ emerged the clear winner. During this rigorous testing, Sybase IQ delivered faster results on independent hardware and operating systems with minimum infrastructure. Commending the improvements achieved, Amit Sethi, Joint General Manager, ICICI bank says, â€Å"What impressed us wasthat even with overall lower costs, we could achieve significantly better query performanceafter implementing the Sybase enterprise warehouse solution. † ICICI Infotech today launched an enterprise resource planning (ERP) solution for the small and medium enterprises. The ERP package – Orion Advantage – comes bundled with an HP dual processor Xeon server, Oracle 9i database, Windows 2003 server and costs about Rs 9. 90 lakh and has a 15-user license. An ERP package helps a manufacturer or any other business implementing it to manage all the important parts in the company such as product planning, parts purchasing, maintaining inventory and interacting with suppliers and customers. ICICI Infotech officials told a press conference here today that Orion Advantage offered a set of business practice solutions for industry segments such as engineering, auto ancillary, pharmaceuticals, chemicals and IT distribution. Besides the cost advantage, the ERP package also came pre-configured. ICICI Infotech had mapped the processes specific to each industry segment into the package. Mr. Manoj Kunkalienkar, Executive Director and President, ICICI Infotech, said that small and medium enterprises (SMEs) offered a good market and ICICI Infotech hoped to become a leading solution provider to this segment. Mr. R. K. Kanthi, Deputy General Manager, ICICI Infotech, said there was no ERP package for the SMEs that bundled the server, database and operating system right now. That was the advantage ICICI Infotech offered to SMEs as Orion Advantage came bundled and pre-configured. Besides the high cost of generic ERP packages, their implementation time as far as SMEs were concerned was also long. Orion Advantage could be installed in 45 days. ICICI Infotech had signed up six customers so far for the package and hoped to garner a 15 per cent market share of the SME segment, whose number in the country was estimated at 2. 30 lakh. Mr. K. S. Natarajan, Managing Director, Trident Pneumatics Pvt Ltd of Coimbatore, one of the companies that had installed Orion Advantage, said that the company had tried three other ERP packages, all of which had failed, before settling on Orion Advantage. Mr Kunkalienkar said that ICICI Infotech planned to move the two development centers in Chennai into a single location and double the staff strength from 300 now in the next two years. The Chennai centers were involved in research and development of Orion ERP solutions and Premia, an insurance package. ERP Systems Integration Pinnacle Software Solutions has the expertise and experience to assist you with your enterprise systems integration. From developing your strategy, through implementation and support, we bring the right combination of resources, management skillsets, and technical know-how. We will help you successfully integrate your  Enterprise Resource Planning (ERP)  systems into your overall business and technology infrastructure. Whether you are planning an upgrade of an existing ERP system, or a complete replacement of a legacy application and platform, we can help you improve your financial, human resources, electronic mail, and other business systems. We work with the leading ERP systems, including the latest versions of the Oracle and PeopleSoft applications: ? General Ledger| ? Project Costing| ? Accounts Payable| ? Human Resources| ?   Accounts Receivable| ? Payroll| ? Purchasing| ? Benefits| ? Asset Management| ? Compensation| Our technology management solutions will help you migrate hardware platforms, improve network and database performance, develop or refresh policies and rocedures, and develop sound disaster recovery and backup solutions. Please contact us to learn how Pinnacle Software Solutions can help you develop â€Å"solutions that fit†Ã‚  your enterprise. ICICI Prudential Life Insurance Company Limited ICICI Prudential life Insurance Company Limited was incorporated on 20th July 20 00. The authorized capital of the company is Rs. 2300 million and the paid up capital is Rs. 1500 million. The company is joint venture of ICICI (74%) and UK based company Prudential Plc (26%). The company was granted certificate of registration for carrying business, by Insurance Regulatory and Development Authority on 24th November 2000. It commenced commercial operation from 19th December 2000 and becoming a leading private sector life insurance company. The company recognizes that the driving force for gaining sustainable competitive advantage in this business is superior customer experience and investment behind the brand. The company aims to achieve this by striving to provide world class service level trough constant innovation in product, distribution channels and technology based delivery. Vision and Mission Their vision is to make ICICI Prudential Life Insurance Company the dominant new insurer in the life insurance industry. This they hope to achieve through their commitment to excellence, focus on service, speed and innovation, and leveraging our technological expertise. The success of the organisation will be founded on its strong focus on values and clarity of purpose. These include: *   Understanding the needs of customers and offering them superior products and service *   Building long lasting relationships with their partners *   Providing an enabling environment to foster growth and learning for their employees And above all building transparency in all our dealings. They believe that they can play a significant role in redefining and reshaping the sector. Given the quality of their parentage and the commitment of their team, they feel that tere will be no limits to their growth. Board of Directors The ICICI Prudential Life Insurance Company Limited Board comprises reputed people from the finance industry both from India and abroad. Shri K. V. Kamath, Chairman Mr. Mark Tucker Smt. Lalita D. Gupte Mr. Danny Bardin Mrs. Kalpana Morparia Shri M. P. Modi Mr. John Caouette Shri S. P. Subhedar, (Alternate Director to Mr. Danny Bardin)   Mr. Derek Stott, (Alternate Director to Mr. Mark Tucker) Smt. Shikha Sharma, Managing Director Management Team Ms. Shikha Sharma, Managing Director Mr. Kevin Wright, Executive Vice President – Sales Distribution Ms. Madhavi Soman, Chief – Strategic Initiatives Mr. V. Rajagopalan, Appointed Actuary Mr. Sandeep Batra, Chief Financial Officer Company Secretary Mr. Saugata Gupta, Chief – Marketing Service Mr. Shubhro J. Mitra, Chief – Human Resources Corporate Office: ICCI Prulife Towers, 1089, Appasahab Marathe Marg, Prabhadevi, Mumbai 400 025. Telephone Number: 022-462 1600 Website :  www. iciciprulife. com ICICI Lombard General Insurance Company ICICI Lombard  General Insurance Company Limited is a 74:26 joint venture between ICICI Bank Limited and Canada based  Fairfax Financial Holdings  Limited. ICICI Bank  is India’s second largest bank, while  Fairfax Financial Holdings  is a diversified financial corporate engaged in general  insurance,  reinsurance, insurance claims management and  Investment management. Lombard Canada Ltd, a group company of Fairfax Financial Holdings Limited, is one of Canada’s oldest property and casualty insurers. ICICI Lombard General Insurance Company received regulatory approvals to commence general insurance business in August 2000. Board Members * Mr K V Kamath, Chairman * Mr R Athappan, Director * Mr B V Bhargava, Director * Mr Dileep Choksi, Director * Mr James F Dowd, Director * Ms Lalita D Gupte, Director * Ms Kalpana Morparia, Director * Mr S Mukherji, Director * Mr Chandran Ratnaswami, Director * Mr H N Sinor, Director * Mr Sandeep Bakhshi, Managing Director CEO Audit Committee * Mr. S Mukherji, Chairman * Mr. Dileep Choksi, Director * Mr. James F Dowd, Director * Mr. H. N. Sinor, Director Investment Committee * Mr. Chandran Ratnaswami, Chairman * Ms. Kalpana Morparia, Director * Mr. Sandeep Bakhshi,, Managing Director CEO * Mr. S Gopalakrishnan, Head – Investments * Mr. Rakesh Jain, Head-Finance Accounts * Mr. Liyaquat Khan, Appointed Actuary Board Governance Committee * Ms. Kalpana Morparia, Chairperson * Mr. Chandran Ratnaswami, Director * Mr. H. N. Sinor, Director Retail Segment of ICICI Lombard General Insurance : ICICI Lombard’s Retail Segment consists of personal insurance products – Health, Home, Motor and Travel insurances. Health Insurance ICICI Lombard is known to be a pioneer in introducing innovative concepts in the Indian health Insurance sector. Be it the floater concept, the critical illness cover or the tax gain policy, all these were first introduced by ICICI Lombard. It was also one of the first general insurance companies in India to have a robust online system in place for buying and renewing policies. The various plans offered by ICICI Lombard include  Family Floater Plan  Ã¢â‚¬â€œ where one policy covers the entire family,  Health Advantage Plus  Ã¢â‚¬â€œ where they cover OPD and dental expenses, also help save maximum tax under section 80D and  Critical Illness plan  Ã¢â‚¬â€œ a special policy covering a list of critical illnesses. They also have a basic  Personal Accident Plan  which covers against accidents. ICICI Lombard health plans also provide coverage against terrorism. Home Insurance Home Insurance is actually one of the most neglected areas in the general insurance category. Simply, because people in general, especially in India, do not give much importance to it. However, in the recent years, due to the increase in awareness, and the great extent of damage caused to property due to natural calamities and terrorism, it has been gaining importance. The  Home Insurance Policyoffered by ICICI Lombard covers both the structure and the contents of the house. You can opt for either of the covers or both. Unlike other policies, it also covers damage due to terrorist activities, loss of cash, public liability, temporary resettlement and others. Motor Insurance As Motor Insurance is mandatory in India and is governed by the Motor Tariff Act, the policies offered by various companies are more or less the same. There is not much room for innovation in this category. ICICI Lombard too offers  Car Insurance  and  Two Wheeler Insurance. They are known to offer one of the best rates in the market. As the entire buying process is online and is instant, without any submission of documents or other formalities, people generally opt it for convenience. Travel Insurance Travel insurance is one of the most prominent sector of general insurance, especially overseas travel insurance and student medical insurance. ICICI Lombard offers various options in both the categories. The  Overseas Travel Plans  and  Student Medical Plans  offered cover medical and non-medical expenses, including compensation for flights hijacked and pre existing diseases in case of emergency. They charge on a per day basis if the travel is more than 7 days. ICICI Lombard has tied up with  United Health Group  to facilitate access to all its clinics while in U. S. The  Student Medical Plans  are accepted in almost universities worldwide. They also have a section in their website,  University Search, where one can find specific plans for specific universities. All the above retail policies can be bought online, without any documentation through their website  www. icicilombard. com  . One can not only buy, but also manage and renew their insurance policies online. NRI Services ICICI Lombard has developed insurance policies for  Non-resident Indians  that can be bought, renewed and tracked online. Parents’ Health Insurance covers hospitalization and medical expenses incurred by parents of the policyholder in India. For parents’ travelling outside India, ICICI Lombard offers a Parents’ Overseas Travel Insurance policy. An  NRI  can insure his children/ dependents travelling abroad to study, under the Student Medical Insurance plan. Likewise, the Home Insurance and Car Insurance schemes enables an  NRI  to secure his assets in India. Channels Channel is the term used for the various approaches a company uses to tap its customers. ICICI Lombard uses a multi channel approach to ensure the sales, service and other allied activities are carried out in the most effective manner. Retail The Retail channel consists of sales executves, sales officers, brokers and agents. They are the one who are in direct contact with the customers and bring the innovative insurance solutions to their doorsteps. Online ICICI Lombard has developed a web-based system to meet all the pre and post-policy transaction. One can get quotes, buy, renew and track their policies onlin e through the website [www. icicilombard. com]. With the do-it-yourself architecture, the online channel is fast, convenient, easy to understand and operate. Technology ICICI use many type of advance technological software like Pinnacle 7. and Pinnacle7. 016. Among from this software ICICI bank uses the e-banking, core banking, mobile banking electronic display sy ICICI Bank was using Teradata for its data warehouse. However, due to its proprietary hardware, the c ost of procurement, upgrades and administration was soaring. The closed box architecture of Teradata imposed restrictions on scalability. Secondly, querying and loading could not happen simultaneously. Queries could only be run during business hours because the loading of data had to take place during off-business hours. This meant that the refresh rate of EDW was delayed, so queries may not reflect the most current data. ICICI Bank was also dependent on Teradata for support and How to cite Banks of India and Bank, Essay examples

Supported Employment

Question: Is Supported Employment a worthwhile vehicle for increasing the number of persons with disabilities working in regular places? Answer: Supported employment is a way by which the employees with disabilities are provided employment assistance. The major emphasis behind supported employment has been the growth in the participation of people suffering from disabilities. The number of disabled people entering into mainstream competitive employment has increased. The growth of number of employees entering the employment has been possible due to taxonomy of government support, business supports and support from the consumers. Supported employment can be defined as a vehicle that will help persons with disability. The power is flowing into the hands of the people with disabilities and business. The disabled person entering into employment has become the primary decision makers of employment choices and the outcomes. Supported employment refers to the provision of service that is provided to people with disabilities which includes intellectual disabilities, mental health problems and suffering from traumatic brain injury. It is a form of employment in which the wages are expected and they receive certain benefits from the employer in a work place that is competitive in nature. Supported employment was first developed in United States in the year 1970 as a part of vocational rehabilitation (VR) services. They provide long term service support to the individuals who suffer from disabilities in the competitive job placements. In 2013, supported employment has spread worldwide and it is moving to new inclusive models and the models have been developed to assist the workers of diverse kinds who need an extra jump in the workplace. Supported employment is developed by the significant effort from community nonprofit sector. The nonprofit sector works in collaboration with the government to offer services to the individuals with disabilities. The nonprofit sector provided assistance to the people moving from institutional life in the local communities for supported work. In 1985 supported employment was in ris e with new dedicated agencies and programs coming forward to provide dedicated service to the people with disabilities. Supported employment was based on the basic principles of community integration. There was diversity seen in the supported employment models by 1985. The supported employment based on community integration had diverse vocational models in US. The models were based on the concept of social relationship of disabled and non disabled co-workers working side by side in the integrated work places. The models for community integration were supported by parents seeking better opportunities for jobs. Frank Laski described the legal integration base for supported employment. The legal manifestation was described in the public interest law center in Philadelphia, Pennsylvania according to the Education for All Handicapped Childrens Act. The supported employment provided by the government sectors is different from the employment rights under the traditional civil rights and approaches towards discrimination. Supported employment has been defined under the Rehabilitation Act as amended in 1978. According to this Act there were amendments that fund the Vocational Rehabilitatio n Program. This program is considered is the core national employment program for people suffering from disability. The major concerns related to supported employment. It has been an area of research since inception. Supported employment was designed in such a manner so that it is cost effective. It has been documented in the same way as key community services in public administration and disability. According to Camera (2012) , in his review of economics of supported employment indicated that individuals tend to perform better financially from working in a community rather than working in a sheltered workshop. The wages of the supported employees were up by 31.2% since 1980s. On the other hand there was decline in the sheltered workshop wages. Review of over 30 studies has shown that the in between 1980s and 1990s the individuals with disabilities experienced greater monetary benefits than the costs. The review was conducted in United States, Australia, Canada and Britain. Supported employment was a significant way in which the people suffering from disabilities could be supported. They were pro vided jobs for real pay. The survey supported that supported employment has demonstrated that people with severe disabilities can work even today even if many individuals are segregated in the sheltered workshops and the day programs. Supported employment was visualized as a way in which a change was brought to the segregated services system which was based largely on the sheltered workshop facilities. An integrated community approach was developed for providing employment to the individuals primarily suffering from intellectual and developmental facilities. Individual Placement model help the people suffering from severe mental illness at the workplace. There are certain variations to the supported employment; IPS refers to the practice of supported employment that is based on evidence. It has been validated by the new universities and the medical centers that are involved in the process of employment. It is a variation of the professional supported approaches of employment. The major features of the individual placement model of supported employment are it is an evidence based practice, it focuses on the strength of the clients. The major aim of this model is to work in order to promote recovery and wellness. Th e practitioners of supported employment work in collaboration with the state vocational rehabilitation. The approach by the IPS model is a multidisciplinary team work which provides services that are long lasting. The major focus of the IPS model is to change the way in which the mental health services are delivered to the clients. It has been seen in several cases that people with disabilities has turned out to be productive employees. However the people suffering from disability across the globe can be either underemployed or they can be unemployed. It has been found via research that one of the ways to overcome the employment issue is to train the disabled candidates so that they are productive enough to conduct the job. This can be achieved via training through placement agencies or by the vocational rehabilitation agencies. The agencies work towards the progress of the disabled people and work towards their progress so that they can participate in the competitive labor market. According to the global e-discussion that has been hosted by the World Bank, it has been stated that the employers are not keen to recruit disabled candidates as they do not know the reason to reach to them. The employer has to be acknowledged by the placement agencies of the importance of supported employment and the importance of t he disability employment agencies for the identification of the qualified candidates. The impact of supported employment has been magnificent. On an average it is seen the annual average earnings by over 500%. This has been possible with the participation of the employees in supported employment. The benefit of supported employment has provided significant support to the people with cognitive disabilities. Supported employment has faced several barriers in providing employment with the people with disabilities. Employers that have experience in supported employment programs has praised the performance of the workers with disability and they appreciate the quality support services provided by the supported employment agencies. The support from the employers has helped the agencies to transform themselves into service and support organizations. The support from the agencies has boosted the confidence of the businesses to incorporate the people with disabilities in their business. The job satisfaction of the individuals with disabilities entering into the program of supported employment was assessed. It is seen that most of the employees in supported employment are satisfied. On the other hand there were few people who did not want to stick to a single job for lifetime. They wanted progress in their career and wanted a job change. This emphasizes the importance of job mobility and advancement of career of the people with supported employment. The supported employment program was started in United States. It spread rapidly to the entire globe. Supported employment opportunities are provided by several organizations in Singapore. SPD is one of the organizations in Singapore that the people with disabilities so that they can integrate themselves in the mainstream society. The various programs offered by the organization range from intervention, rehabilitation, support for employment and training the disabled individuals. Vocational training is provided to the people with disabilities so that they can be competitive enough to work in the mainstream society. Another organization named TechWerkz provide supported employment program under the Infocomm Accessibility Centre. They provide the disabled individuals with on the job training. The projects on which the disabled candidates are trained include data entry, scanning and telemarketing. The disabled people can have a constant source of income. These organizations have been a constant source of inspiration for the disabled individuals. They have gathered self confidence from these programs. Apart from United States and Asian countries, supported employment has been prominence in Europe. There are lot of practitioners, clients, employers and employees that promote supported employment. The dedicated effort from the group of people has made the supported employed a successful approach. The European Union has recommended the introduction of cash incentives to promote the employment of the disabled people. The job opportunities for the employees can be enhanced by providing them with job subsidies. The status of supported employment in Scotland revealed that there is small number of supported employees in the workplaces. The supported employees were recruited under the Supported employment program. Supported employment received a tremendous set back during the time of economic recession. This had a negative impact on the disabled people. According to the recent employment data released it is seen that 47% of the disabled people in Scotland are employed. The economic recession was not able to reduce the rate of supported employment and it remained to 50%. The WASE (World Association for Supported Employment) promotes the vocational integration of the people suffering from disabilities in the world by using the models of supported employment. Supported employment is promoted in developing countries by WASE. The organization enhances the life of the disabled people who have been excluded from workforce to the open labor market. There is growing awareness among the people regarding the issue. There is increase in the number of employers recruiting people. The role of the employers has evolved with increased focus on the people suffering from disability. The Government has formulated several laws and policies that focus on the persons suffering with disabilities. The public sector has included several disabled individuals within the workforce. The participation of the Government has promoted the basic individual rights, human rights of the individual. Supported employment is a profitable option for the government. It is a cost effective a lternative for the Government that provide support to the employees over time that is favorable than the more traditional approaches that work for the people with disabilities. The disabled people entering the workforce become actively involved in the labor force and they become economically self reliant and thus they are less dependent on the public resources. The new UN convention on the Rights of the Person with Disabilities which is in the Article 27 underlines the right of the people to work. The countries that fall under the UN convention are obliged to take advantage of the labor market opportunities. The placement agencies work in collaboration with the Government to enhance the skills of the disabled employees. It is important for the employees to have a good understanding of the working environment. This will helped the disabled employees via the supported employment. There are various ways in which the supported employment has been promoted which has worked for the growth of the employees. Supported employment is an integral component of the employment system in the world. It has provided assistance for the individuals with disabilities. The potential effectiveness of supported employment has been investigated. It is seen that the employment agencies are working hard to promote the welfare of the disabled people. They are provided training to make them competitive enough to work in the mainstream work. The program of the human services has increased the cost controls. Supported employment has generated positive economic outcomes and it has enhanced the cost efficiency of the organization. It is a viable alternative for employment for the large individuals. Supported employment was started in United States. The Development Disabilities and Assistance and Bill of Rights Act of the year 1984 have increased the employment of the people with developmental disabilities via supported employment. The federal policies in the nation have promoted supported employment. Supported employment is cost effective to the alternate sheltered workshops or the other services. The social integration of the disabled people is critical to the success of the employment programs via supported employment. The workers will be able to overcome their disability and work towards the growth of the economy. The supported employment agencies are working hard to make the disabled employees self sufficient so that they can work in the mainstream competitive environment. The disabled individuals are provided training via induction and other programs for the enrichment of their knowledge. It is important to become financially independent in the complex scenario. They will be able to maximize the potential of the disabled employees. There are various anti discrimination legislations that are used to deal with issues related to exploitation and harassment of the disabled employees. Supported employment has nurtured the disabled workers in a positive way. The success of supported employ ment has been possible as a result of the active participation of the Government agencies and the placement agencies. The supported employment has served as a tool for the growth of the economy of the country. References 1. Leach S. A supported employment workbook. London: Jessica Kingsley; 2002. 2. Hart N. Social Inclusion in Supported Employment Settings edited by. 2001. 3. Campbell K. Consumer Predictors of Competitive Employment Outcomes in Supported Employment. 2007. 4. Wehman P. Supported Employment in Business: Expanding the Capacity of Workers with Disabilities. 2001. 5. Thornicroft G. Oxford textbook of community mental health. Oxford: Oxford University Press; 2011. 6. Unger D. Workplace Supports: A View from Employers Who Have Hired Supported Employees [Internet]. 1st ed. 2015 [cited 20 February 2015]. Available from: https://www.worksupport.com/main/downloads/article13.pdf7. The Newsletter for the workers working with disabilities [Internet]. 1st ed. 2012 [cited 20 February 2015]. Available from: https://dhs.iowa.gov/sites/default/files/Cimera-Economics-of-SE.pdf8. Racino J. Public Administration and Disability: Community Services Administration in ... 2015. 9. Employment trends in the Uni ted States, Japan, and the European community: a comparative economic study. Choice Reviews Online. 1989;26(06):26-3380-26-3380. 10. euse.org. European Union of Supported Employment [Internet]. 2015 [cited 20 February 2015]. Available from: https://www.euse.org/content/supported-employment-toolkit/EUSE-Toolkit-2010.pdf11. Employers Views of Supported Employment for Disabled People in Scotland [Internet]. 1st ed. 2015 [cited 20 February 2015]. Available from: https://www.docs.hss.ed.ac.uk/education/creid/Reports/29_EHRC_SupportedEmployt_FinalRpt.pdf12. ec.europa.eu. Supported Employment for people with disabilities in the EU and EFTA-EEA good practices and recommendations in support of a flexicurity approach [Internet]. 2011 [cited 20 February 2015]. Available from: https://ec.europa.eu/justice/discrimination/files/cowi.final_study_report_may_2011_final_en.pdf13. GARY R. BOND D. Generalizability of the Individual Placement and Support (IPS)model of supported employment outside the US . World Psychiatry [Internet]. 2012 [cited 20 February 2015];11(1):32. Available from: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3266767/14. Becker D, Drake R, Bond G. Benchmark Outcomes in Supported Employment. American Journal of Psychiatric Rehabilitation. 2011;14(3):230-236. 15. Spd.org.sg. Prevocational Training [Internet]. 2015 [cited 20 February 2015]. Available from: https://www.spd.org.sg/prevocational-training.html16. Sharingthelioncity.com. Supported employment programme provides gainful employment and training for persons with disabilities. | Sharing the Lion City [Internet]. 2013 [cited 20 February 2015]. Available from: https://www.sharingthelioncity.com/gainful-employment-and-work-preparation-for-persons-with-disabilities/17. Kamp M, Lynch C. Handbook Supported Employment. 2007;. 18. Burns T, Catty J, Becker T, Drake R, Fioritti A, Knapp M et al. The effectiveness of supported employment for people with severe mental illness: a randomised controlled trial. The Lanc et. 2007;370(9593):1146-1152. 19. McGurk S. Cognitive Training for Supported Employment: 2-3 Year Outcomes of a Randomized Controlled Trial. American Journal of Psychiatry. 2007;164(3):437. 20. Cook J, Leff H, Blyler C, Gold P, Goldberg R, Mueser K et al. Results of a Multisite Randomized Trial of Supported Employment Interventions for Individuals With Severe Mental Illness. Arch Gen Psychiatry. 2005;62(5):505. 21. McGurk S. Cognitive Training and Supported Employment for Persons With Severe Mental Illness: One-Year Results From a Randomized Controlled Trial. Schizophrenia Bulletin. 2005;31(4):898-909. 22. Drake R, Becker D, Bond G. Individual Placement and Support: An Evidence-Based Approach to Supported ... 2012. 23. Kin Wong K, Chiu R, Tang B, Mak D, Liu J, Chiu S. A Randomized Controlled Trial of a Supported Employment Program for Persons With Long-Term Mental Illness in Hong Kong. PS. 2008;59(1):84-90. 24. Hunter S, Ridley J. Supported Employment in Scotland: Some Issues from R esearch and Implications for Development. Tizard Learning Disability Review. 2007;12(2):3-13. 25. Ottomanelli L, Barnett S, Goetz L. A prospective examination of the impact of a supported employment program and employment on health-related quality of life, handicap, and disability among Veterans with SCI. Qual Life Res. 2013;22(8):2133-2141.

The Factors That Influence Communication Essay Example

The Factors That Influence Communication Paper The factors that influence communication as a process range from those that are induced through individuality, by the society, cultures, ethics and others that work together. For instance, an individuals surrounding and those they relate with shapes their way of communication. A great example suffices in the manner of a lady who is seeking to further her education in a tertiary institution, say Betty. Her parent, a businessperson, experiences life from a different environment, hence is likely to miss out on Bettys experience. This greatly influences how they communicate with each other. Secondly, the society sets standards by which most people operate. These are like guidelines that shape how people communicate with each other. A person from a community like the minorities more often than not has a set of beliefs that keep them communicating in a certain way. As such, cultural factors set a context within which people in the said culture communicate. For instance, it is expected that the communities with the father as the head of the family eave a more conservative way of communicating, while more liberal communities accept independent views (Mayans et. Al. , 2012). In conclusion, the cultures as influenced by a society, individuality, ethical amongst many other factors usually influence how people communicate. While individual factors like personality shape how one communicates, societal expectations may also serve to model how they do so. We will write a custom essay sample on The Factors That Influence Communication specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on The Factors That Influence Communication specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on The Factors That Influence Communication specifically for you FOR ONLY $16.38 $13.9/page Hire Writer In spite of all this, the most universal factor among them all is ethics since it applies to a eider range of communities without consideration of the less influencing factors. For instance, at school, it is expected that all students communicate in a certain way without much influence from their communities and even families.

Make Peace With and Come to Terms With

Make Peace With and Come to Terms With Make Peace With and Come to Terms With Make Peace With and Come to Terms With By Maeve Maddox Lately Ive noticed the use of the expression come to peace with. †¦ Alice must navigate her way through the modern world of tabloid journalism and commercial exploitation and come to peace with her conflicted childhood. We have all experienced some hurtful things in our past, the key however, is to learn how to come to peace with these unresolved issues, so that we can, in turn learn to let go of them. I have come to peace with what I believe The use of come to peace with seems to be a mingling of the more common expressions make peace with and come to terms with. to make peace with someone: to let old grievances go Now in their eighties, the sisters have finally made peace with one another. to make peace with something: to accept an unpleasant reality and let it go The woman has made peace with her unpleasant past. to come to terms with someone: to agree on some matter The dealer and the customer came to terms on the price of the car. to come to terms with something: to accept an undesired state of things The injured soldier has come to terms with his disability. Here are examples of the usual use of these expressions: Broncos come to terms with LB Jammie  Kirlew The 878 men of the First Battalion, 25th Marine Regiment who came home have struggled to come to terms with the fact that 11 did not Ten Ways To Make Peace With The Past and Create A New Future Vatican makes peace with Beatles after 40 years Any thoughts on come to peace with? Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Expressions category, check our popular posts, or choose a related post below:85 Synonyms for â€Å"Help†Driver License vs. Driver’s LicenseLetter Writing 101