Report on Hdfc Bank

1 PROJECT FINAL REPORT ON BANKING BY JIGAR SONI AT Summer Internship Project 2 PROJECT TITLE A project report on COMPANY GUIDE FACULTY GUIDE ================ ============== Mr. Manish Panchal Prof. Pragna Kaul Branch Manager IBMR Ahmedabad Kapadwanj. Prepared by : Jigar J Soni Roll no. 5 , Div – A IBMR _Ahmedabad Year – 2008/09 3 Acknowledgements If words are considered to be signs of gratitude then let these words Convey the very same My sincere gratitude to HDFC BANK for roviding 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. Manish Panchal. , Branch Manager and 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. Pragna Kaul, IBMR_Ahmedabad, who has sincer ely supported me with the valuable insights into the completion of this project. I am grateful to all faculty members of IBMR_Ahmedabad and my 4 friends who have helped me in the successful completion of this project. 5 CONTENTS Sr. No. Subject Covered Page No. 1 Banking Structure in India 6-7 2 Indian Banking Industries 8-9 3 Upcoming Foreign Bank in India 10 4 HDFC BANK 11-12 5 Company Profile 13-15 6 Technology used 16-19 7 Product and Customer segments 20-23 8 Business Strategy 24-25 9 Inside Hdfc Bank 26-31 10 Rupee Earned – Rupee Spent 32-33 11 Recent Development 34-41 12 SWOT Analysis 42-48 13 Project on Plastic Money 49-55 6 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) 7 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 new 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. New Private Sector Banks †¢Superior Financial Services †¢Designed Innovative Products †¢Tapped new markets †¢Accessed Low cost NRI funds †¢Greater efficiency 8 INDIAN BANKING INDUSTRIES 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 ontributing 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. 9 The Indian banking Industry is in the middle of an IT revolution, Focusing on the ex pansion 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 mportance 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. UPCOMING FOREIGN BANKS IN INDIA By 2009 few more names is going to be added in the list of foreign banks in India. This is as an aftermath of the sudden interest shown 10 by Reserve Bank of India paving roadmap for foreign banks in India greater freedom in India. Among them is the world's best private bank by EuroMoney magazine, Switzerland's UBS. The following are the list of foreign banks going to set up business in India :- †¢Royal Bank of Scotland †¢ †¢Switzerland's UBS †¢ †¢US-based GE Capital †¢ †¢Credit Suisse Group †¢ †¢Industrial and Commercial Bank of China WE UNDERSTAND YOUR WORLD The Housing Development Finance Corporation Limited (HDFC) was amongst the first to receive an ‘in principle' approval from the 11 Reserve Bank of India (RBI) to set up a bank in the private sector, as part of the RBI's liberalization of the Indian Banking Industry in 1994. The bank was incorporated in August 1994 in the name of ‘HDFC Bank Limited', with its registered office in Mumbai, India. HDFC Bank commenced operations as a Scheduled Commercial Bank in January 1995. HDFC is India's premier housing finance company and enjoys an impeccable track record in India as well as in international markets. Since its inception in 1977, the Corporation has maintained a consistent and healthy growth in its operations to remain the market leader in mortgages. Its outstanding loan portfolio covers well over a million dwelling units. HDFC has developed significant expertise in retail mortgage loans to different market segments and also has a large corporate client base for its housing related credit facilities. With its experience in the financial markets, a strong market reputation, large shareholder base and unique consumer franchise, HDFC was ideally positioned to promote a bank in the Indian nvironment. HDFC Bank began operations in 1995 with a simple mission : to be a 12 â€Å" World Class Indian Bank. † We realized that only a single minded focus on product quality and service excellence would help us get there. Today, we are proud to say that we are well on our way towards that goal. COMPANY PROFILE STRONG NATIONAL NETWORK 13 HDFC BANK As of March 31, 2008, the Bank’s di stribution network was at 761 Branches and 1977 ATMs in 327 cities as against 684 branches March 2006 March 2007 March 2008 Citied 228 316 327 Branches 535 684 761 ATMs 1323 1605 1977 14 nd 1,605 ATMs in 320 cities as of March 31, 2007. Against the regulatory approvals for new branches in hand, the Bank expects to further expand the branch network by around 150 branches by June 30, 2008. During the year, the Bank stepped up retail customer acquisition with deposit accounts increasing from 6. 2 million to 8. 7 million and total cards issued (debit and credit cards) increasing from 7 million to 9. 2 million. Whilst credit growth in the banking system slowed down to about 22% for the year ended 2007-08, the Bank’s net advances grew by 35. 1% with retail advances growing by 38. % and wholesale advances growing by 30%, implying a higher market share in both segments. The transactional banking business also registered healthy growth With cash management volumes increased by around 80% and trade services volumes by around 40% over the previous year. Portfolio quality as of March 31, 2008 remained healthy with gross nonperforming assets at 1. 3% and net non-performing assets at 15 0. 4% of total customer assets. The Bank’s provisioning policies for specific loan loss provisions remained higher than regulatory requirements. TECHNOLOGY USED IN HDFC BANK In the era of globalization each and every sector faced the stiff competition from their rivals. And world also converted into the flat from the globe. After the policy of liberalization and RBI initiatives to take the step for the private sector banks, more and more changes 16 are taking the part into it. And there are create competition between the private sector banks and public sector bank. Private sector banks are today used the latest technology for the different transaction of day to day banking life. As we know that Information Technology plays the vital role in the each and every ndustries and gives the optimum return from the limited resources. Banks are service industries and today IT gives the innovative Technology application to Banking industries. HDFC BANK is the leader in the industries and today IT and HDFC BANK together combined they reached the sky. New technology changed the mind of the customers and changed the queue concept from the history banking transaction. Today there are different channels are available for the banking transactions. We can see that the how technology gives the best results in the below diagram. There are drastically changes seen in the use of Internet banking, in a year 2001 (2%) and in the year 2008 ( 25%). These type of technology gives the freedom to retail customers. 17 Centralized Processing Units Derived Economies of Scale Electronic Straight Through Processing Reduced Transaction Cost Data Warehousing , CRM Improve cost efficiency, Cross sell Innovative Technology Application Provide new or superior products HDFC BANK is the very consistent player in the New private sector banks. New private sector banks to withstand the competition from public sector banks came up with innovative products and superior service. 2001 18 Branches 43% ATM 40% Phone Banking 14% Internet 2% Mobile 1% 2005 Branches 17% ATM 45% Phone Banking 12% Internet 25% Mobile 1% ( % customer initiated Transaction by Channel ) 19 HDFC BANK PRODUCT AND CUSTOMER SEGMENTS PERSONAL BANKING Loan Product Deposit Product Investment & Insurance †¢Auto Loan †¢Loan Against Security †¢Loan Against Property †¢Personal loan †¢Credit card †¢2-wheeler loan †¢Commercial vehicles finance †¢Home loans †¢Retail business banking †¢Tractor loan †¢Working Capital Finance †¢Construction Equipment Finance †¢Health Care Finance †¢Education Loan †¢Gold Loan †¢Saving a/c †¢Current a/c †¢Fixed deposit †¢Demat a/c †¢Safe Deposit Lockers †¢Mutual Fund †¢Bonds †¢Knowledge Centre †¢Insurance †¢General and Health Insurance †¢Equity and Derivatives †¢Mudra Gold Bar 20 Cards Payment Services Access To Bank †¢Credit Card †¢Debit Card †¢Prepaid Card —————————- —- Forex Services —————————- —- †¢Product & Services †¢Trade Services †¢Forex service Branch Locater †¢RBI Guidelines †¢NetSafe †¢Merchant †¢Prepaid Refill †¢Billpay †¢Visa Billpay †¢InstaPay †¢DirectPay †¢VisaMoney Transfer †¢e–Monies Electronic Funds Transfer †¢Online Payment of Direct Tax †¢NetBanking †¢OneView †¢InstaAlert MobileBanking †¢ATM †¢Phone Banking †¢Email Statements Branch Network 21 WHOLESALE BANKING Corporate Small and Medium Enterprises Financial Inst itutions and Trusts †¢Funded Services †¢Non Funded Services †¢Value Added Services †¢Internet Banking †¢Funded Services †¢Non Funded Services †¢Specialized Services †¢Value added services †¢Internet Banking BANKS †¢Clearing Sub- Membership †¢RTGS – submembership †¢Fund Transfer †¢ATM Tie-ups †¢Corporate Salary a/c †¢Tax Collection Financial Institutions Mutual Funds Stock Brokers Insurance Companies Commodities Business Trusts BUSINESS MIX 22 Total Deposits Gross Advances Net Revenue Retail Wholesale †¢HDFC Bank is a consistent player in the private sector bank and have a well balanced product and business mix in the Indian as well as overseas markets. †¢Customer segments (retail & wholesale) account for 84% of Net revenues ( FY 2008) †¢Higher retail revenues partly offset by higher operating and credit costs. †¢Equally well positioned to grow both segments. . 23 NRI SERVICES Accounts & Deposits Remittances †¢Rupee Saving a/c †¢Rupee Current a/c †¢Rupee Fixed Deposits †¢Foreign Currency Deposits †¢Accounts for Returning Indians †¢North America †¢UK †¢Europe †¢South East Asia †¢Middle East †¢Africa †¢Others Quick remit IndiaLink Cheque LockBox Telegraphic/ Wire Transfer Funds Transfer Cheques/DDs/TCs Investment & Insurances Loans †¢Mutual Funds †¢Insurance †¢Private Banking †¢Portfolio Investment Scheme †¢Home Loans †¢Loans Against Securities †¢Loans Against Deposits †¢Gold Credit Card Payment Services Access To Bank †¢NetSafe †¢BillPay †¢InstaPay †¢DirectPay †¢Visa Money †¢Online Donation †¢NetBanking †¢OneView †¢InstaAlert †¢ATM †¢PhoneBanking †¢Email Statements †¢Branch Network 24 BUSINESS STRETEGY HDFC BANK mission is to be â€Å"a World Class Indian Bank†, benchmarking themselves against international standards and best ractices in terms of product offerings, technology, service levels, risk management and audit & compliance. The objective is to build sound customer franchises across distinct businesses so as to be a preferred provider of banking services for target retai l and wholesale customer segments, and to achieve a healthy growth in profitability, consistent with the Bank's risk appetite. Bank is committed to do this while ensuring the highest levels of ethical standards, professional integrity, corporate governance and regulatory compliance. Continue to develop new product and technology is the main business strategy f the bank. Maintain good relation with the customers is the main and prime objective of the bank. HDFC BANK business strategy emphasizes the following : 25 †¢Increase market share in India’s expanding banking and financial services industry by following a disciplined growth strategy focusing on quality and not on quantity and delivering high quality customer service. †¢Leverage our technology platform and open scaleable systems to deliver more products to more customers and to control operating costs. †¢Maintain current high standards for asset quality through disciplined credit risk management. Develop in novative products and services that attract the targeted customers and address inefficiencies in the Indian financial sector. †¢Continue to develop products and services that reduce bank’s cost of funds. †¢Focus on high earnings growth with low volatility. 26 INSIDE HDFC BANK FIVE â€Å"S† , PART OF KAIZEN WORK PLACE TRANSFORMATION Focus on effective work place organization Believe in â€Å" Small changes lead to large improvement † Every successful organization have their own strategy to win the race in the competitive market. They use some technique and methodology for smooth running of business. HDFC BANK also aquired the Japanese technique for smooth running of work and effective work place organization. Five ‘S’ Part of Kaizen is the technique which is used in the bank For easy and systematic work place and eliminating unnecessary things from the work place. BENEFIT OF FIVE â€Å"S† 27 †¢It can be started immediately. †¢Every one has to participate. †¢Five â€Å" S† is an entirely people driven initiatives. †¢Brings in concept of ownership. †¢All wastage are made visible. FIVE ‘S’ Means :- S-1 SORT SEIRI S-2 SYSTEMATIZE SEITON S-3 SPIC-N-SPAN SEIRO S-4 STANDARDIZE SEIKETSU S-5 SUSTAIN SHITSUKE (1) SORT :- It focus on eliminating unnecessary items from the work place. It is excellent way to free up valuable floor space. It segregate items as per â€Å"require and wanted†. (2) SYSTEMATIZE :- Systematize is focus on efficient and effective Storage method. Frequently Requir ed Less Frequently Requir ed Remove everything from workplace Junk Wanted but not Required Junk 28 That means it identify, organize and arrange retrieval. It largely focus on good labeling and identification practices. Objective :- â€Å"A place for everything and everything in its place†. (3) SPIC- n – SPAN :- Spic-n-Span focuses on regular clearing and self nspection. It brings in the sense of ownership. (4) STANDERDIZE :- It focus on simplification and standardization. It involve standard rules and policies. It establish checklist to facilitates autonomous maintenance of workplace. It assign responsibility for doing various jobs and decide on Five S frequency. (5) SUSTAIN:- It focuses on definin g a new status and standard of organized work place. Sustain means regular training to maintain standards developed under S-4. It brings in self- discipline and commitment towards workplace organization. 29 LABELLING ON FILE FILE NUMBER SUBJECT FROM DATE TO DATE OWNER BOX LABEL For Example 1 / 3 / A / 6 1 – Work Station (1) 3 – Drawer (3) A – Shelf (A) 6 – File Number ( 6) 30 COLOUR CODING OF FILES DEPARTMENT Welcome Desk Personal Banker Teller Relationship Manager Branch Manager Demat Others In the HDFC BANK each department has their different color coding apply on the different file. Due to this everyone aware about their particular color file which is coding on it and they save their valuable time. It is a part of Kaizen and also included in the system of the Five ‘S’. Logic behind it that , the color coding are always differentiate the things from the similar one. 31 HUMAN RESOURCES The Bank’s staffing needs continued to increase during the year particularly in the retail banking businesses in line with the business growth. Total number of employees increased from 14878 as of March31,2006 to 21477 as of March 31, 2007. The Bank continues to focus on training its employees on a continuing basis, both on the job and through training programs conducted by internal and external faculty. The Bank has consistently believed that broader employee ownership of its shares has a positive impact on its performance and employee motivation. The Bank’s employee stock option scheme so far covers round 9000 employees. 32 RUPEE EARNED – RUPEE SPENT It is more important for every organization to know about from where and where to spent money. And balanced between these two things rupee earned and rupee spent are required for smooth running of business and financial soundness. This type of watch can control and eliminate the unnecessary spending of business. In this diagram it include both things from where Bank earned Rupee and where to spent. 33 HDFC BANK earned from the ‘Interest from Advances’ 51. 14 % , ‘Interest from Investment’ 27. 12 %, bank earned commission exchange and brokerage of 15. 25 %. These are the major earning sources of the bank. Bank also earned from the Forex and Derivatives and some other Interest Income. Bank spent 39. 75 % on Interest Expense, 30. 27 % on Operating Expense and 14. 58 % on Provision. Bank also spent Dividend and Tax on dividend, Loss on Investment , Tax. As we discuss above that balancing is must between these two for every organization especially in the era of globalization where there are stiff competition among various market players. RECENT DEVELOPMENT 34 The Reserve Bank of India has approved the scheme of amalgamation of Centurion Bank of Punjab Ltd. ith HDFC Bank Ltd. with effect from May 23, 2008. All the branches of Centurion Bank of Punjab will function as branches of HDFC Bank with effect from May 23, 2008. With RBI’s approval, all requisite statutory and regulatory approvals for the merger have been obtained. 35 The combined entity would have a nationwide network of 1167 branches; a strong deposit base of around Rs. 1,22, 000 crores and net advances of around Rs. 89,000 crores. The balance sheet size of the combined entity would be over Rs. 1,63,000 crores. Merger with Centurion Bank of Punjab Limited On March 27, 2008, the shareholders of the Bank accorded their consent to a scheme of amalgamation of Centurion Bank of Punjab Limited with HDFC Bank Limited. The shareholders of the Bank approved the issuance of one equity share of Rs. 10/- each of HDFC Bank Limited for every 29 equity shares of Re. 1/- each held in Centurion Bank of Punjab Limited. This is subject to receipt of Approvals from the Reserve Bank of India, stock exchanges and Other requisite statutory and regulatory authorities. The shareholders Also accorded their consent to issue equity shares and/or warrants onvertible into equity shares at the rate of Rs. 1,530. 13 each to HDFC Limited and/or other promoter group companies on preferential basis, subject to final regulatory approvals in this regard. The Shareholders of the Bank have also approved an increase in the authorized capital from Rs. 450 crores to Rs. 550 crores. 36 Promoted in 1995 by Housing Development Finance Corporation (HDFC), India's leading housing finance company, HDFC Bank is one of India's premier banks providing a wide range of financial products and services to its over 11 million customers across hundreds of Indian cities using multiple distribution channels including a pan-India network of branches, ATMs, phone banking, net banking and mobile banking. Within a relatively short span of time, the bank has emerged as a leading player in retail banking, wholesale banking, and treasury operations, its three principal business segments. The bank's competitive strength clearly lies in the use of technology and the ability to deliver world-class service with rapid response time. Over the last 13 years, the bank has successfully gained market share in its target customer franchises while maintaining healthy rofitability and asset quality. 37 As on March 31, 2008, the Bank had a network of 761 branches and 1,977 ATMs in 327 cities. For the year ended March 31, 2008, the Bank reported a net profit of INR 15. 90 billion (Rs. 1590. 2crore), up 39. 3%, over the corresponding year ended March 31, 2007. As of March 31, 2008 total deposits were INR 1007. 69 billion, (Rs. 100,769 crore) up 47. 5% over th e corresponding year ended March 31, 2007. Total balance sheet size too grew by 46. 0% to INR 1,331. 77 billion (133177 crore). Leading Indian and international Publications have recognized the bank for its performance and quality. Centurion Bank of Punjab is one of the leading new generation private sector banks in India. The bank serves individual consumers, small and medium businesses and large corporations with a full range of financial products and services for investing, lending and 38 advice on financial planning. The bank offers its customers an array of wealth management products such as mutual funds, life and general insurance and has established a leadership ‘position'. The bank is also a strong player in foreign exchange services, ersonal loans, mortgages and agricultural loans. Additionally the bank offers a full suite of NRI banking products to Overseas Indians. On 29th August 2007, Centurion Bank of Punjab merged with Lord Krishna Bank (LKB), post obtaining all requisite statutory and regulatory approvals. This merger has further strengthened the geographical reach of the Bank in major towns and cities across the country , especially in the State of Kerala, in addition to its existing dominance in the northern part of the country. Centurion Bank of Punjab now operates on a strong nationwide ranchise of 404 branches and 452 ATMs in 190 locations across the country, supported by employee base of over 7,500 employees. In addition to being listed on the major Indian stock exchanges, the Bank’s shares are also listed on the Luxembourg Stock 39 Exchange. ACHIEVEMENT IN 2007 Business Today- Monitor Group survey One of India's â€Å"Most Innovative Companies† Financial Express- Ernst & Young Award Best Bank Award in the Private Sector category 40 Global HR Excellence Awards – Asia Pacific HRM Congress: ‘Employer Brand of the Year 2007 -2008' Award – First Runner up, & many more Business Today ‘Best Bank' Award Dun & Bradstreet – American Express Corporate Best Bank Award 2007 ‘Corporate Best Bank' Award The Bombay Stock Exchange and Nasscom Foundation's Business for Social Responsibility Awards 2007 ‘ Best Corporate Social Responsibility Practice' Award Outlook Money & NDTV Profit Best Bank Award in the Private sector category. The Asian Banker Excellence in Retail Financial Services Awards Best Retail Bank in India Asian Banker HDFC BANK Managing Director Aditya Puri wins the Leadership Achievement Award for India 41 SWOT ANALYSIS STRENGTH †¢Right strategy for the right products. †¢Superior customer service vs. competitors. WEAKNESSES †¢Some gaps in range for certain sectors. †¢Customer service staff need training. 42 †¢Great Brand Image †¢Products have required accreditations. †¢High degree of customer satisfaction. †¢Good place to work †¢Lower response time with efficient and effective service. †¢Dedicated workforce aiming at making a long-term career in the field. †¢Processes and systems, etc †¢Management cover insufficient. †¢Sectoral growth is constrained by low unemployment levels and competition for staff 3 Opportunities †¢Profit margins will be good. †¢Could extend to overseas broadly. †¢New specialist applications. †¢Could seek better customer deals. †¢Fast-track career development opportunities on an industry-wide basis. †¢An applied research centre to create opportunities for developing techniques to provi de added-value services. Threats †¢Legislation could impact. †¢Great risk involved †¢Very high competition prevailing in the industry. †¢Vulnerable to reactive attack by major competitors †¢Lack of infrastructure in rural areas could constrain investment. †¢High volume/low cost market is intensely ompetitive. 44 COMPETITIVE SWOT ANALYSIS WITH ICICI BANK STRENGTHS WEAKNESSES O P P O R T U N I T I E S S – O Strategies Strength: Large Capital base. Opportunity: Market Expansion. Strategy: Deep Penetration into Rural Market. W – O Strategies Weakness: Workforce Responsiveness. Opportunity: Outsourcing of Non – Core Business. Strategy: Outsource Customer Care & other E-Helps. T H R E A T S S – T Strategies Strength: Low operating costs Threat: Increased Competition from others Pvt. Banks. Strategy: Steps to Ensure Loyalty by old Customers. W – T Strategies Weakness: Not Equal to International Standards. Threat: Entry of many Foreign Banks. Strategy: Consider additional benefits 45 Detailed Analysis: i. Strength – Opportunity Analysis. Strength: It is well know that ICICI Bank has the largest Authorised Capital Base in the Banking System in India i. e. having a total capacity to raise Rs. 19,000,000,000 (Non – Premium Value). Opportunity: Seeing the present financial & economic development of Indian Economy and also the tremendous growth of the Indian Companies including the acquisition spree followed by them, it clearly states the expanding market for finance requirements nd also the growth in surplus disposal income of Indian citizens has given a huge rise in savings deposits – from the above point it is clear that there is a huge market expansion possible in banking sector in India. Strategy: From the analysis of Strength & Opportunity the simple and 46 straight possible strategy for ICICI Bank could be – to penetrate into the rural sector of India for expanding its market share as well as leading all other Pvt. Banks from a great gap. ii. Strength – Threat Analysis. Strength: ICICI Bank is not only known for large capital but also for having a ow operations cost though having huge number of branches and services provided. Threat: After showing a significant growth overall, India is able to attract many international financial & banking institutes, which are known for their state of art working and keeping low operation costs. Strategy: To ensure that ICICI Bank keeps going on with low operation cost & have continuous business it should simply promote itself well & provide quality service so as to ensure customer loyalty, therefore guaranteeing continuous business. 47 iii. Weakness – Opportunity Analysis. Weakness: It is well known that workforce responsiveness in banking sector is Very low in Indian banking sector, though ICICI Bank has better responsible staff but it still lacks behind its counterparts like HSBC, HDFC BANK, CITI BANK, YES BANK etc. Opportunity: In the present world, India is preferred one of the best places for out – sourcing of business process works and many more. Strategy: As international companies are reaping huge benefits after out- sourcing there customer care & BPO’s, this same strategy should be implemented by ICICI Bank so as to have proper customer ervice without hindering customer expectations. 48 iv. Weakness – Threat Analysis. Weakness: Though having a international presence, ICICI Bank has not been able to keep up the international standards in providing customer service as well as banking works. Threat: In recent times, India has witnessed entry of many international banks like CITI Bank, YES Bank etc which posses an external entrant threa t to ICICI Bank – as this Banks are known for their art of working and maintain high standards of customer service. Strategy: After having new entrants threat, ICICI Bank should come up with More additional benefits to its customer or may be even reduce some fees for any additional works of customers. 49 PROJECT ON PLASTIC MONEY PLASTIC MONEY PLASTIC MONEY I give the project on Plastic Money to bank. The objective behind this project is to increase the rich customers list in a bank. Plastic Money title itself says the use of Credit Card and Debit Card in day to day transaction of the business. I prepared the presentation on it and 50 submitted to bank and Bank already started work on this project. Idea behind this project is to sale the bulk product. Target customer Of this project are two parties one is Wholesaler and second is Retailer. Due to this idea bank also sell their swipe machine to wholesaler and create brand image in the market. The idea behind this, bank give the credit card swipe machine to wholesalers and retailers use the credit card of the bank. Bank gives the 50 days credit to their credit card holders. So here retailers can get benefit of long credit period and on the other side wholesalers can get the benefit of same day payment. As a result bank got the wide list of customers of wholesalers and retailers.

Human Generosity Essay

The Ghost of Christmas Past goes on to show Scrooge an incident that is obviously very painful for Scrooge to watch, for by the end he is crying, â€Å"Spirit! Show me no more! Conduct me home. Why do you delight to torture me? † The vision is of a time when Scrooge is beginning to shut other people out of his life, and start a new life in the lonely world of earning money obsessively with no one to share it with. He is shown his â€Å"release† from his fianci for the reason that she has seen his, â€Å"nobler aspirations fall off one by one, until one master passion, Gain, engrosses you. † On the arrival of the second Spirit, the Ghost of Christmas Present, Scrooge is prepared. Dickens presents the spirit as a large, jolly fellow who shares most people’s merry feelings about Christmas. When Scrooge encounters him initially, piles of food surround the Spirit, â€Å"Heaped up on the floor, to form a kind of throne, were turkeys, geese, game, poultry, brawn, great joints of meat, sucking pigs, long wreaths of sausage, mince pies†¦ † These lists are typical of Dickens’ style, emphasising the richness of it all. The Spirit shows Scrooge more images of how much others, rich and poor, enjoy Christmas. He sprinkles his own â€Å"flavour†, his own form of generosity, upon the shoppers’ food, especially that of the poor, before taking Scrooge to the Cratchits’ home. The Cratchits have little in the way of a Christmas dinner, but appreciate every last mouthful. Each and every one of them is in high spirits, Tiny Tim included. Tiny Tim is a young, crippled boy, with an iron frame supporting his limbs and a tiny crutch. Yet he too joins in the festivities with joy and love in his heart. â€Å"‘Spirit’ said Scrooge with an interest he had never felt before, ‘tell me if Tiny Tim will live. ‘† We can see him beginning to redevelop the caring attitude that he had buried so long ago. The Ghost tells him that if the future remains unchanged then no; Tiny Tim will not survive. The change in Scrooge is again apparent when he cries, â€Å"Oh no, kind Spirit! say he will be spared. † The Spirit quotes Scrooges words, â€Å"If he be like to die, he had better do it, and decrease the surplus population. † Scrooge is deeply ashamed by the words of his former self and hangs his head, quite overcome by â€Å"penitence and grief†. As he visits more and more homes, full of people enjoying Christmas, he hears their unkind words about him. They laugh at his ways and, for the first time, he realises what he has been missing out on for all these years and discovers deep feelings of remorse that he never dreamt he would possess. It is the final Spirit, the Ghost of Christmas Yet to Come that has the most profound effect on Scrooge. The Phantom’s silent, deadly way terrifies him, as do the scenes of death he is about to see. He is shown views of various people discussing a death, but with no compassion in their voices. It is clear to him that the person they talk of was not liked and will not be missed. â€Å"It’s likely to be a cheap funeral, for, upon my life, I don’t know of anybody who will go to it. † The people ask only of what he did with his money, illustrating how money was the only thing of importance in this man’s life. Scrooge is agonized that no one appears to have any emotion for someone whose life had seemed so similar to his, â€Å"The case of this unhappy man might be my own. My life tends that way now. † By now Scrooge is fully aware of how his lack of generosity will lead; he will die alone and unloved. He is deeply traumatized, â€Å"Let me see some tenderness connected with a death, or that dark chamber, Spirit, which we left just now, will be for ever present to me. † The Spirit obeys but Scrooge is surprised to find himself back at the Cratchits’ home. On further investigation, Scrooge discovers that it is not the same death for which he is being shown the grieving. He realises the sad, but true fact that Tiny Tim has died. The comparisons between the unbearable sadness felt for a small boy who, despite being poor and crippled, had love and joy in his heart, and the complete lack of emotion felt for a money obsessed old man could not be further apart. Before the final Ghost departs Scrooge begs him to reveal who they saw lying dead, although it is quite possible that he already knows but refuses to believe it. He hesitates before going to look at the gravestone to which he has been conveyed, for he has something he needs to know, â€Å"Are these the shadows of the things that Will be, or are they the shadows of the things that May be only? † Scrooge is desperate for a chance to change and live a life that could not only prevent Tiny Tim form dying, but also prevent his own life from ending in the way he had seen the other man’s to have done. Although the Ghost does not reply, Scrooge does not pursue the matter, for he knows already that he can change the future by letting others into his life and bringing more joy to theirs with just a little human generosity. He advances towards the grave and uncovers the tangled weeds of neglect to reveal the name: â€Å"EBENEZER SCROOGE† Falling to his knees he cries promises of change, claiming he will â€Å"honour Christmas† and live in the â€Å"Past, the Present and the Future†. And so he does. The story ends with Dickens describing Scrooges joy that he has not missed Christmas, â€Å"A happy merry Christmas to everybody! A happy New Year to all the world! Hallo here! Whoop! Hallo! † He pays a poor carol singer to order the largest turkey in the shop to be delivered to the Cratchits. He offers Bob a pay rise. He goes to his nephew’s home and joins in the celebrations that he has missed out on for so many years. And what is more, he continues to live like this, resulting in him indirectly saving Tiny Tim’s life. There are many themes running through the story of A Christmas Carol, but in the end they all come back to the same simple idea of Human Generosity. Scrooge’s story demonstrates that having money is not at all important if there is no one with which to share it. In his final gestures, he brings great happiness not only into the lives of others, but also his own. And then we come to the Cratchits who, despite having very little of material value to share, are some of the most generous people that can be found. For it is love that they share among them and, without that, there is nothing to life.

Anthropology Flashcards Example for Free (#5)

Anthropology the belief that people everywhere see the world in the same way. a teacher who has a special kind of student: professional anthropologist. Almost any individual who has acquired a collection of cultural behavior. the learned and shared knowledge that people use to generate behavior and interpret experience cultural knowledge people can talk about EX: language cultural knowledge people lack words for EX: phonemes process of discovering and describing a particular culture systems of cultural knowledge characteristic of subgroups within larger societies someone who teaches their culture to an anthropologist an individual who responds to questions included on questionnaires; the subject of survey research the belief that people everywhere see the world in the same way state of anxiety that results from cross-cultural misunderstanding belief and feeling that one’s culture is best anything we can perceive with our senses that stands for something else of cultural knowledge used to generate and interpret speech refers to the behavior that produces vocal sounds consists of the categories and rules for forming vocal symbols minimal categories of speech sounds that serve to keep utterances apart refers to the categories and rules for combining vocal symbols categories in any language that carry meaning refer to the categories and rules for relating vocal symbols to their referents combine meaningful utterances with social situations into appropriate messages relationship of an organism to other elements within its environmental sphere the way people use their culture to adapt to particular environments the world as people experience it with their senses the categories and rules people use to classify and explain their physical environment strategies used by groups of people to exploit their environment for material necessities. Hunting and gathering, horticulture, pastoralism, agriculture, and industrialism are subsistence strategies. subsistence strategy involving the foraging of wild, naturally occurring foods a kind of subsistence strategy involving semi-extensive, usually shifting, agriculural practices ex: slash and burn a subsistence strategy based on the maintenance and use of large herds of animals a subsistence strategy involving intensive farming of permanent fields through the use of such means as the plow, irrigation, and fertilizer a subsistence strategy marked by intensive, mechanized food production and elaborate distribution networks the knowledge people use to assign rights to the ownership and use of resources the part of a culture that involves the knowledge that people use to make and use tools and to extract and refine raw materials the rules that govern the assignment of jobs to people the group of people responsible for producing something the strategies for apportioning goods and services among the members of a group the transfer of goods and services based on price, supply, and demand the transfer of goods and services between two people or groups based on their role obligations. A form of nonmarket exchange the transfer of goods and services between a group of people and a central collecting service based on role obligation. The US income tax is a good example economies in which production and exchange are motivated by market factors: price, supply, and demand. Market economies are associated with large societies where impersonal exchange is common. the process that promotes economic, political, and other cultural connections among people living all over the world the economic incorporation of different parts of the world into a system based on capitalism, not politics people who flee their country of origin because they share a well-founded fear of persecution individuals who are given temporary visas to live and work in another country literally, more than one culture. Usually applied to situations where groups with different cultural backgrounds are part of a larger social aggregate the passage of a cultural category, culturally defined behavior, of culturally produced artifact from one society to another through borrowing the process by which a cultural custom, idea, of concept is transformed to fit the cultural context of a society that borrows it We use cookies to give you the best experience possible. By continuing we’ll assume you’re on board with our cookie policy We will write a custom sample essay on

Male, Masculine, Virility Assignment Example | Topics and Well Written Essays - 500 words

Male, Masculine, Virility - Assignment Example and bodily health are the distinguishing characters in the personality of a perfect man and are often highlighted in men related to military or sports. The sense of independence and sacrifice makes him the focal point of pride and attention. Considering from a physical point of view, the perfect soldier has a well built frame, perfect height, a muscular figure and above all the perfect attitude. Who does not notice a soldier? He is the one fighting for the sovereignty of his country and wherever he is mentioned, shown or written about no one can deny the vitality of their purpose. The country’s defenses are vested upon its military. Usually countries engage each other in cold wars which are more political than physical but sometimes things get ugly and that is when military comes into action. This valor, bravery and prestige are the identification of a virile man. No imaginary depiction of superheroes can compete with a real life existing soldier ready to sacrifice his life in the name of his people. The self- respect, honor and pride associated with this notion are a source of benefit for the entire nation. This not only gives the nation a sense of confidence and security but also something to get inspired from. As far as physical disabilities are concerned, society attributes such men to be weak and vulnerable, while for them this approach is a source of constant self-pity and dependence. It destroys the remainder of their talents and points of encouragement; all this in the name of natural disabilities. â€Å"Paralytic disability constitutes emasculation of a more direct and total nature. For the male, the weakening and atrophy of the body threaten all the cultural values o masculinity: strength, activeness, speed, virility, stamina, and fortitude.†(Murphy 94) For men their bodies are the focal point of identification and attribution. In military special attention is given to physical health of soldiers along with stamina building. So they form an

Should Performance Enhancing Drugs Be Legalized Essay

Should Performance Enhancing Drugs Be Legalized - Essay Example Using drugs to cheat in sport is not new. It is just becoming more effective that makes it more attractive to athletes. The International Amateur Athletic Federation estimates that only 10–15% of participating athletes are tested in each major competition which explains many can get away with it (Clayton et al). The incentive also for the winner is just far too attractive to resist. This explains why it is virtually impossible to stop the athletes from taking performance enhancing drugs no matter how harsh the penalties would be. Also, there are drugs such as erythropoietin (EPO) and growth hormone which are also natural chemicals in the body. As nutrition technology advances, these drugs becomes harder to detect because they are like the natural drugs in the body that even if they are being tested, they will still come out as negative. Performance enhancing drugs only becomes more dangerous when they are banned because it can no longer be regulated. When performance enhancing drugs are banned, athletes and their handlers will likely get them in an unknown black market where they do not know whether such drug is safe or not. And instead of properly testing them for their safety, potency and proper use, athletes will instead rely on the trial and error of the use of performance enhancing drugs because they have to hide their use so that they will not be caught. This is a very dangerous practice because they do not know what they are doing. And this is the real risk in the use of performance enhancing drugs than the performance enhancing drugs themselves because they run the danger of taking too much, or taking the wrong drugs. This explains why we often hear athletes who died or suffered from performance enhancing drugs side effects because they do not know what they are doing. If performance enhancing drugs are regulated, the athletes can come out in the open to use the proper avenues for their safety, potency and proper use. Government and sport regulat ors on the other hand can test the safety and proper use of performance enhancing drugs and can dispense advises on their effects and their proper use. If there are side effects to a particular substance of a performance enhancing drugs, at least the athlete knows what he or she is taking and can prepare for remedial measure just in case something goes wrong in taking the performance enhancing drugs. This is safer because help can be had when something goes wrong compared to banning them altogether where athletes could not seek help in case of overdose or misuse for fear of being caught and penalized. And this is the danger of keeping it underground. Critiques of performance enhancing drugs argue that they are cheating because they are making themselves better than everyone else. And that it defeat the purpose of the sport because they would not know if the athlete is really that good without performance enhancing drugs and that it does not make sense to reward people who are cheati ng (Debate.org). This argument however can easily be debunked by the purpose of the sport which is really to be better than competitors. That instead of depriving the opportunity to be better with the help of drugs, it would be safer to make it available to everybody in a regulated and safe manner and see how far can everybody go. Undue advantage only makes it cheating when not all have the same chances of winning. Banning performance enhan

Assignment on Teaching and learning practice Essay

Assignment on Teaching and learning practice - Essay Example Boud and Hawke (2003) underlines that it is more important to make the emphasis on the assessment of outcomes and immediate competence, focuses learners’ attention on the present task and how they might address it, that is, in a way that will satisfy assessors (cited Chappell, 2003). Professional judgment is perhaps the most far-reaching and complex parameter of all. In order to check out the performance of a student, a teacher needs to understand precisely how decisions are made. Every educator and teacher should be responsible for his professional judgment she/he makes concerning students performance and their level of personal development. In this case, professional judgment is a very important activity which helps a teacher to assess a student and determine competency of a student. Professional judgment in teaching is a complex activity which requires careful analysis and evaluation of student’s achievements. The main problem is that it is impossible to teach educators how to make the right judgment in all the cases they are faced with, because every student is a unique individuality and personally influenced by social factors. For this reason, professional teachers learn how to make professional judgments on the job. Boud & Hawke create a concept â⠂¬Å"learning-how-to-learn† They explain that â€Å"currently in an outcomes-based framework, this capacity is not developed. Instead, the emphasis on the assessment of outcomes and immediate competence, focuses learners’ attention on the present task and how they might address it, that is, in a way that will satisfy assessors† (Chappell 2003). On the other hand, in order to improve their professional judgments, the educators record their comments which may include an evaluation of what they have done and/or what they are working towards. Gradually the comments become more in depth in some years of teaching practice and young teachers are able to make detailed and perceptive professional

English as a Foreign or Second Language Essay Example | Topics and Well Written Essays - 1000 words

English as a Foreign or Second Language - Essay Example As a student it becomes even more difficult to survive and mange oneself in a totally new environment because the student is new to the country and he has no one known to him and if he is unable to talk in the language of the people of the country in which he is living then he will be left all alone and there would be no one to communicate or talk with him. In order to avoid oneself form such difficulty it is better to learn the language. For a student it is of utmost importance that he is well aware and has good command over the language of the teachers so that he can understand what is being taught to him. If the student does not have good command over the language of the country in which he is studying then he will have to face some major problems because he will not be able to understand what the teachers are teaching, he also will not be able to comprehend the talks of the students and the student would become very confused and depressed. In most of the universities the medium o f instruction is English. In fact English has become an international language. English has now become the language of most of the people and in many countries the medium of instruction in many universities is English because it has become an international language. But still in some countries like most of the Arab countries, Japan and China the medium of instruction in their universities is their own mother tongue. Students from such countries have to face a lot of difficulty when they move to other foreign countries for continuing their studies further because the students are not at all habitual of studying and communicating in English. For such students and students particularly from the Arab countries like Saudi Arabia, Kuwait, etc. it becomes a necessity to learn English so that they do not have to face any difficulty living in the foreign country with the foreign people. The students from the Arab countries like me find it extremely difficult to learn English as it is complet ely different form the native language of the Arab countries; our mother tongue, Arabic. English and Arabic are two different languages which are completely diverse form each other. The origins and basic linguistics of the two languages are completely different from each other. This is the reason why we students find it extremely difficult to learn English. The pronunciation and accent of both the languages are widely different that is why even the Arab students speak English they face quite difficulty in speaking out the words with the correct pronunciation. As a result we students find it very difficult to adjust them in the new environment where everyone else is speaking English and the person can neither speak proper English nor understand it completely. We students find it really difficult to manage with this difficulty. The areas where students face greatest difficulty is when the students are made to focus on the vocabulary and grammar. Grammar of any language is difficult to learn and understand. And when someone foreign is learning a foreign language then it becomes really difficult to learn and understand the grammar and make use of it in sentences. The foreign students also have to face a lo

Lenovo Case Study Example | Topics and Well Written Essays - 1000 words

Lenovo - Case Study Example Lenovo has declared its might in its website, detailing the expanse of its operations. To quote: Lenovo is a US$21 billion personal technology company... We have more than 26,000 employees in more than 60 countries serving customers in more than 160 countries†¦ We are defining a new way of doing things as a next generation global company (Lenovo 2012). It is interesting, hence, to know that Lenovo has had humble beginnings and, more importantly, it is a technology company that emerged from China, a developing economy and outside of the Silicon Valley. The company started modestly as a spinoff of China’s Institute of Computing Technology, a research institute of the Chinese Academy of Sciences (Tsui, Bian and Cheng, 2006, p.303). From there on, it began supplying parts and building computers for technology companies such as IBM. Lenovo, which operated under the name of Legend Holdings during its early years, gradually became a dominant PC maker in China. By 2003, it began its internationalization ambition. According to its CEO, Chuanzi Liu, â€Å"With a 30 percent share of the Chinese PC market, Lenovo realized that its opportunity for further domestic expansion was limited,† and that â€Å"Since the global PC market was estimated at around $200 billion, it could pose huge potential for us (p.574).† ... In order to tackle market globalization, there are many barriers involved and the type of operations management required is radically different from its own. The organization has effectively identified these problems themselves: 1) the organization did not have a brand name that could invoke worldwide recognition; 2) Lenovo did not have a strong presence in the world market; and, 3) there is a lack of human resources to effectively run and manage a truly global company (Liu, p.574). In internationalization and, much more, in the case of being a multinational company, the operations such as those involving organizational culture and human resources are very international in scope and must adhere with international standards and norms while ensuring a high degree of integration and responsiveness at the same time. Lenovo was able to address the problem and its complexities in a bold and ambitious move. In 2005, it acquired IBM’s PC business. This strategy addressed several criti cal challenges that it had identified previously. It boosted the organization’s global brand by â€Å"piggybacking† on IBM’s reputation and the company’s products such as the ThinkPad brand (see Lenovo’s performance during this period in Fig. 1). This enabled the company to penetrate lucrative markets such as the United States, as well as additional market segments that IBM and its acquisitions were particularly known for such as large enterprise, midmarket and, most particularly, laptop computers (Gupta, Wakayama and Rangan, 2012, p. 195). The OM involved is aligned with the â€Å"springboarding† approach that involves the acquisition of critical resources at home and abroad in order to penetrate markets, compete with rivals and

The Last Supper by Andrea del Castagno, Leonardo, Tintoretto Essay

The Last Supper by Andrea del Castagno, Leonardo, Tintoretto - Essay Example The essay "The Last Supper by Andrea del Castagno, Leonardo, Tintoretto" compares three paintings - Andrea del Castagno, The Last Supper,1447; Leonardo, The Last supper, 1495-98; Tintoretto, The Last Supper, 1594. Del Castagno’s painting is one of the most distinct. It has a flat style, sharp angles and corners. All of this is in contrast with predominant style during the renaissance. This painting has no motion, no movement, and creates the sense in the viewer that they are looking into a sunken set of figurines. This static portrayal of Christ reinforces his importance historically. There is also something that recalls a Roman fresco about the piece, which also reinforces Christ as a historical figure set into a particular time and place, with historical importance. Da Vinci’s rendition of the last supper does not attempt to depict Christ in historical lights. This image attempts to cast Christ in a more human light. Da Vinci's last supper does not give Christ any par ticular sign of super-humanness, with only the wisp of a cloud suggesting a halo. Christ is given a position of importance, taking up the central portion of the image almost in its entirety, but there is nothing else that would overly separate him from the apostles. His clothing is similar in form and colour, he is not placed above the rest, nor does he have any sign of super-human lighting. Overall Da Vinci’s image depicts Christ in his humanity, reinforcing his human side and diminishing the supernatural.

Issues and help seeking behavior Essay Example for Free

Issues and help seeking behavior Essay According to Fallon and Bowles (1999) the area of adolescent help seeking behaviour is an under-researched area. Since the cognitive and critical thinking of adolescents are still developing, their behaviours toward issues concern them may vary case by case. The purpose of this report was to investigate issues concern adolescents and their help seeking behaviour toward those issues, especially seek professional helps. The report analysis was based on secondary information obtained from various researchers by scholars. The participants in the researchers were students with different demographic background, such as gender, ethnicities. Fallon et al (1999) investigated the major and minor problems concerned the adolescents and their help seeking behaviours toward those problems. The major problems were identified to be more severe and would cause participants distress, while minor problems would not distress the participants. The participants were 1,022 secondary school students from Melbourne Metropolitan area, 585 of them were male, and 419 were female. Total 297 of them were in year 7 and 8, 333 were in year 9 and 10, others were in year 11 and 12. Their ages ranged from 11 to 18 years. Each of the participants completed a survey comprised of three parts to define the adolescents concerns and help seeking behaviours. The first part contained demographic questions. The second part  contained mainly rating and categorizing questions to identify the major problems of concerns, nature of the concerns, and sources of help to the concerns. While the third part focused on the minor concerns. The nature of the both concerns was defined into five categories, family, interpersonal, health, education and others. And the sources of help were in the domain of friends, parents and professionals. The findings show that problems concerns different levels of students were very similar. About 50% of the participants sought help for their major problems, 40% sought for minor problems and 25% would seek help for both problems. The problems associated with family and interpersonal skills were often identified as major issues. For minor issues, family and education problems were frequently reported. Therefore the adolescents would differentiate major and minor problems and react differently toward the problems. For major problems, females were more willing to see k help than males, but there was no gender difference towards minor problems. And males preferred to ask parents and rather than friends, while females were inversely. However, on both minor and major problems, respondents were preferred to seek help from parents and friends over professionals, this may probably due to the easy access to nonprofessional sources. Gim, Atkinson, and Whiteley (1990) conducted an investigation which focuses on the issues concerns Asian-American and the relationship between acculturation and willingness to see a counsellor. The study was down through 816 Asian-American students from West Coast University. 399 of the respondents were male, 417 were female. And 291 of them were freshmen, 191 were junior, 159 were sophomores, 174 were seniors, which ranged in an age group of 16 to 37. The survey questionnaire comprised of three sections. The respondents were asked to report their demographic information and rate the seriousness of 24 issues in eight domains of concern and their wiliness to see counsellors on these concerns. Among the 24 issues, the respondents scaled highly for issues like financial, academic, relationship, conflicts with parents. The results show that for those Asia Americans, they were most willing to seek counsellors for issues like financial, academic, career, but least willing to seek help about concerns such as ethnic identity confusion, roommate, and health. The respondents attitudes towards seeking counsellors would be affected by acculturation, ethnicity, and gender. Asian Americans with higher level of acculturation would be more willing to seek  professional counsellors. In a similar study, Kim and Omizo (2003) generated respondents of 242 Asian American college students from mid-Atlantic and Hawaii universities ,140 of them were female and 102 were male, with an age range of 18 to 57 years. Fifty-nine of the respondents had had sought counselling before. And there were mainly from China, Korea, Philippines, and Japan. Similar conclusion was obtained that Asian Americans who were highly adhered to Asian cultural values, their attitudes toward seeking professional psychological help would be less positive and they were less willing to seek counsellors in general problems. But the sample size of the Kim and Omizo (2003) was relatively small, which may not be a strong support. In another research Eisenberg, Golverstein and Gollust (20 07) investigated the help-seeking behaviour and access to mental health service. The participants are students from Midwestern, public university. The initial sample size was 5,021 students aged above 18 years. And 2,495 were undergraduates, the remaining were graduate and professional students. Since the survey was web-based, total 2,785 students completed the survey and their demographic profile was similar to national student population. The survey used Patient Health Questionnaire-9(PHQ-9) as the key measure to identify the symptoms of depression. The result shows that 15% of Students obtained psychotherapy or psychotropic medication. About 50% respondents aware that there was free counselling service on campus and where to access the mental health care. Among participants who experienced major depression, only 36% received treatment which demonstrated a low level usage of cheap university medical service. For students who did not seek help, they often held the perception that stress was normal in school, or did not realise there is a need, or having the thou ght that problems would get better as time goes by. Limitations of the research include the reliability of web survey results and the survey ignored the informal sources of help like friends and family. The investigations above all show that female is more open to seek help for issues concerns them, however, comes to the issue of dating violence, male perpetrators and victims were more likely to seek help than female (Ashley Foshee, 2005). Ashley et al investigated the adolescents help-seeking behaviour and helping sources when experienced of dating violence. The analysis was based on secondary data collected in a longitudinal study of adolescent dating violence. A sample size of 365 out  of 1814 survey participants collected in 1996 was chosen in their investigation. There were 225 dating violence victims and 140 perpetrators and all the participants were public school students from rural North Carolina country. The results show that over 60% respondents did not seek help for dating violence, especially perpetrators. Among those w ho sought help, friends and family members were more frequently chosen as their help sources than professionals. But males were more willing to seek professional help than females. The possible reasons are higher social acceptance to male hitting female than female hitting male and male will cause more serious and dangerous consequences in the dating violence than female. The findings also demonstrate that older perpetrators were more likely to seek help than younger ones. Researchers suggested that as the adolescent mature, they may have in-depth cognitive on dating violence and the potential consequences of their behaviour which compelling them to seek help. In conclusion, issues concerns or distress adolescents will vary due to their levels of education, gender, ethicises, age, nationality. And adolescents issues usually fall in the domains of family, interpersonal, education, and health. Most of them are not willing to seek help, especially male. But for certain issues, like dating violence, male are more willing to seek help. Easy accessibility made informal sources of help like friends and family common and popular than professional counsellors when adolescents experienced psychological issues. The other reasons cause low frequency of counselling professional help will be like social norms, lack cognition or unaware of benefits from professional help. So the society should promote more benefits of professional counselling and increase the acceptance of it. For adolescents, they are still at growing stage, abilities like perceptions, cognitions, abstract thinking are also developing. It is very important to guide them have a positive thinking of seeking professional help when facing issues concern them, in the end, may also help them develop a positive attitudes in their lives. References Ashley, O. S., Foshee, V. A. (2005). Adolescent help-seeking for dating violence:prevalence, sociodemographic correlates, and sources of help_. Journal of Adolescent Health 36,_ 25-31. Eisenberg, D., Golverstein, E., Gollust, E. (2007). Help-seeking and access to mental health care in a university student population. _Medical Care. 45 (7)._ Fallon, B. J., Bowles, T. (1999). Adolescent help-seeking for major and minor problems. _Australian Journal of Psychology, 51 (1),_ 12-18. Gim, R. H., Atkinson, D. R., Whiteley, S. (1990). Asian-American acculturation, severity of problems, and willingness to see a counselor. _Journal of Counseling Psychology, 37 (3)_, 281-285. Kim, B. S., Omizo, M. M. (2003). Asian culture values, attitudes toward seeking professional psychological help, and willingness to seek a counsellor. _THE COUNSELING PSYCHOLOGIST, 31 (3),_ 343-361.

The Leadership Theories Of Machiavelli

The Leadership Theories Of Machiavelli Machiavelli, born on the 3rd day of May 1469, acquired his university education in the University of Florence. He wrote a famous book entitled the Prince. This book is famous for its break down on the issue of attributes of leadership and as such has become a guideline for leaders. He wrote the book based on his earlier experiences, addressing how a prince (leader) should rule. Although the book gained a lot of popularity, his views on the attributes of good leadership had a lot of flaws. In The Prince he advocates mean rule instead of liberalism. He talks of the benefits of being a dictator or exercising the autocratic style of leadership. There are a lot of leaders who have and are following the Machiavellian style of leadership as he had described in The Prince. Examples of such leaders who exercised or exhibited this type of leadership style were Muammar Abu Minyar al-Gaddafi of Libya and Idi Amin of Uganda. Muammar Gaddafi being a Machiavellian according to his leadership style has been the leader of Libya since he staged a military coup on the 1st of September 1969.  [2]  With the strict fellowship he has in the Machiavellian style of leadership, he has sought to maintain the power he has had ever since. In a recent article Gaddafi made a statement saying, I will fight to the last man and the last bullet  [3]  This goes a long way to emphasize on one of the shortfalls of Machiavelli when he talked about the fact that a leader has to gain power and should be able to maintain it by any means possible. In the same way, Gaddafi promises to maintain his power even if it means he has to kill. This action is affecting Libya in a negative manner since the world is pushing for democracy and finding all means to eradicate autocratic system of governance and as such it is affecting the economy of the state due to the current instability the country is facing now. As such, most investors w ould not be willing to invest in a country where peace does not prevail. Also, with growing rate of civilization, killing just to maintain power is barbaric and this would then send the state to a state of regression. Idi Amin was an autocratic leader who sought to exercise his power through military means. In his era, he created the situation whereby he was the only one who had the final say and no one could voice out their values in any way he or she deemed fit. He created and environment which had and still has a traumatizing effect on the people of Uganda now. During his reign as military dictator, there were issues of the abuse of ethnic affiliations, cases of the abuse of human rights and potent radical control, Asians faced expulsion from Uganda and killed outside normal legal proceedings.  [4]  Ugandans have still not devised the means of changing their government through undisturbed measures. Violence has become an option for which their voices could be heard. Again, Machiavelli talked about the situation whereby the prince did not have to possess any thoughts apart from that of war. He describes meanness as an attribute of a good leader. He says liberality would lead a prince or leader to be despised and hated whiles meanness would lead to reproach without hatred hence, being mean is the answer to greater leadership.  [5]   Moreover, Machiavelli allowed the hatred he had in him to take the greater side of him when he was imprisoned because of suspicion of his involvement in a conspiracy where he lost the trust he had in humans. A typical example of such a leader who exhibited Machiavellian traits in his style of leadership was Ghanas former president, Flt. Lt. Jerry John Rawlings. Just as it is of human nature to seek revenge for every pain inflicted upon him, Rawlings came into power through military means to seek revenge for all the pain inflicted upon him in the past. He knew gaining power would be the only way to show his hatred and have his revenge best served.  [6]  This is because having the power he needs, all he has to do is to order for the people responsible for his pain to either be killed or assassinated. As a result of this shortfall of Machiavelli which Rawlings also exhibited, most affected Ghanaians even after the change from a military government to democratic governance still cann ot find it in their hearts to forgive him for his actions. It is for this reason that the National Reconciliation Commission (NRC) was set up. In addition, Machiavellis concept makes mention of the fact that the end justifies the means. He says that if the action a leader takes brings about catastrophe in an area of specialization or nationwide despair then the action taken should not be regarded as a good one.  [7]  Combining this concept to the idea of establishing fear amongst ones followers, some Machiavellian leaders tend to modify this act by protecting the citizens by any means possible so as to be loved by them. When the Americans annexed Iraq, the Iraqis tried to resist their forces even though they were technologically more competent and outstripped them in terms of their quantity, Saddam Hussein having inculcated a great amount of fear in and hatred for Americans in his followers. He made himself an adherent of the Machiavellian style of leadership. Also, as a result of the fear the Tunisian president drum in his people, the only way they could show they were fed up with all his activities was have someone st art the protest and this was done by the unemployed and frustrated young man who felt the only way his voice could be heard was to set himself on fire. Again, this action did not just end there. Egyptians under the rule of Hosni Mubarak saw this as a platform to also voice out their values. Therefore one can say that all these people were simply quiet because of the brutal fear they had for their various leaders and were thus waiting for the right moment to retaliate. Furthermore, Machiavelli in his book wrote about a leader (the prince) being feared rather than loved by his people. Here, this situation would not work in a democratic society where the people decide how long one should be a leader but in the communist society like China, the leader could in his own discretion decide to practice the Machiavellian style of leadership and it would work perfectly for him since he has to instill fear in his followers due to the fact that it is less likely for them to revolt against the government or protest by defying authority.  [8]   In conclusion, these Machiavellian leaders mentioned above, considering the good and bad sides of Machiavellis thoughts on good leadership has led them to impact their nations in a negative manner. Most of the countries like Egypt, Libya, Tunisia, among others are still in a state of unrest and this posses as a threat to the surrounding nations since there is the fear that such actions could be transferred.