Bank Of The State Of Jammu And Kashmir - 1251 Words

Its 2015 but still bank has not been able to provide financial services to the underprivileged people till this date people are excluded from financial services. Strategies should be made according to the different villages and all efforts must be put to raise the standard of people in the state of Jammu and Kashmir. Bank should make polices for common people to ensure that inclusion of poor is kept in mind. Usually loans are taken because of problems faced by people it may be of financial loan loan for marriages and medical loan. Customers avail these types of loans majority of times and it constitutes 53% of loan that people take from banks. One of the main concerns is that if people don’t get loan from bank they go for nonfinancial institution and these institutions charge high rate of interest to poor people and whole life they are indebted. Financial inclusion started with zero balance account i.e. without frills. But later it was not fruitful to just have an zero balance account because there was no such services added to these accounts and people even forgot when they opened accounts in banks. Zero balance account couldn’t attract customers because there were no services attached to the account. Finally Rbi with the help of Govt. came with many schemes to attract people towards banks and provide them better financial services. And people also got attracted to these services and that’s why financial in is moving so fast in India. Jammu and Kashmir bank isShow MoreRelatedOverview Of The Banking Industry Essay1011 Words   |  5 Pages26 public sector banks, private sector consists of 20, and there are 43 foreign banks which is a good sign for banking sector. Also it consists of 61 regional banks. There has been a noticeable expansion in dealings through ATMs, and also with internet and mobile banking banks has shown tremendous growth. Indian Parliament in 2012 passed a bill know as (Banking Laws Amendment bill) which has made banking easy in India and also opened doors for the entire world. This bill states that RBI is the onlyRead MoreInternal Guide External Guide For Jammu And Kashmir Bank Limited Srinagar1197 Words   |  5 PagesProject Report On â€Å"FINANCIAL INCLUSION [PRADHAN MANTRI JAN-DHAN YOJANA (PMJDY)] WITH REFERENCE TO JAMMU AND KASHMIR BANK LIMITED SRINAGAR† By RAIEES BASHIR USN 1HK13MBA06 Submitted to VISVESVARAYATECHNOLOGICALUNIVERSITY, BELGAUM In partial fulfillment of the requirements for the award of the degree of MASTER OF BUSINESS ADMINISTRATION Under the guidanceRead MoreThe Growth And Poverty Improvement Of A Country Essay1539 Words   |  7 Pagesand abandoned access to Financial services. Many initiatives, schemes and reforms have been put into the place after independence. Many Cooperative Banks where introduced to supply credit for farming purpose and for this cooperative banks came into existence immediately after Independence and further it was followed by the nationalization of many banks and priority sector lending and subsequently. Indian shifted from an agriculture economy to Industrial economy and later to Services sector EconomyRead MoreFinancial Inclusion Of The Jammu And Kashmir State Essay812 Words   |  4 Pagesto greater savings and a wider deposit base for banks and other financial institutions. So i thought it would be better to study financial inclusion (PRADHAN MANTRI JAN-DHAN YOJANA) how it would help the people and economy as a whole. 1.1.4 OBJECTIVES OF THE STUDY To briefly study and examine financial poverty in India. To study and analyze recent standing of Financial Inclusion in the Jammu and Kashmir State. To assess latest scheme under financial inclusionRead More Pakistan Essay861 Words   |  4 Pageswith-holding income tax (www3.jaring.my/pakistanhc/page19.html). Pakistan now has a highly developed financial sector consisting of local as well as foreign commercial banks, investment banks, leasing companies, mutual funds and varies other fund companies. Besides providing working capital and long-term financing to the investors, these banks offer a number of facilities such as remittance of profits/dividends and maintenance of foreign currency accounts (www.mofa.com). Now because of this, various citiesRead MoreIndia-Pakistan Timeline578 Words   |  2 Pageswas separated by Hindus and Muslims in the past but now the new Muslim state Pakistan was a new home for the Muslims. There were Hard rioting and people died up to an estimated half a million people. About a million people were homeless... Since the British left, the land of Jammu and Kashmir was remained with violence. 1948 India and Pakistan went to war in October 1947 after Pakistan flourished a Muslim insurgency in Kashmir. India accepted a request for armed assistance from Kashmirs MaharajaRead MoreKashmir As A Forgotten Casualty Of The World4033 Words   |  17 Pagesthree nuclear powers, the region of Kashmir has become a forgotten casualty of the aftermath. The region has since crafted a history of violent struggle for sovereignty and freedom. Kashmir has become symbolic of the nearly century long Indo-paki struggle that has left inhabitants of the region in turmoil. The bloody history of the region, and the way the issue has been handled brings up the question of what is the best way to handle the situation? The region of Kashmir has been claimed by both IndiaRead MoreA Summary And Suggestions Of The Bank Essay2631 Words   |  11 Pages FINDINGS AND SUGGESTIONS The Bank has to do lot of work why people are still financially excluded even after 68 years of independence and design policies to ensure inclusion of the poor and disadvantaged people. The strategy could vary from village to village but all efforts should be made in this way as financial inclusion can truly lift the financial condition and standards of life of the poor and the disadvantaged people of Jammu Kashmir. Large percentage of loans is taken byRead More India Pakistan Negotiation is Best in the Interest of Pakistan1774 Words   |  8 Pagesof the unresolved Kashmir issue which has threatened the peace of Pakistan overtime. The divided, mostly Muslim Himalayan region of Kashmir is at the heart of hostility between the neighbours and was the cause of two of their three wars since independence from Britain in 1947. The third was over the founding of Bangladesh. The Kashmir issue has led to at least three major wars in the region with media claiming the souring chances of a fourth war between the two countries. Kashmir has always been aRead MorePak Us Relations7976 Words   |  32 PagesLecture No. 1 25-10-210 KASHMIR ISSUE OUTLINE: 1. Background 2. Indian Perspective 3. Pakistan Perspective 4. Plebiscite 5. Partition 6. Independent and conclusion EARLY HISTORY: In the 18th century Kashmir was ruled by the Muslim Pashtun Durrani Empire. In 1819 Kashmir was conquered by the Sikh ruler Ranjit Singh. Following the First Anglo-Sikh War in 1845 and 1846, Kashmir was first ceded by the Treaty of Lahore to the East India Company, and shortly after sold by the Treaty

The Effects that Affirmative Action Has Had on Past and...

The African American experience in the United States is one that could almost be described as irreparable. The African American debut in this country was one that started off as foul as a situation could be. The slavery experience ranks amongst some of the most inhumane eras in the history of mankind. The settlers in the colonies viewed Africans as only 3/5ths of a man and used Africans as tools, or pets, as opposed to acknowledging them as real thinking, loving, feeling human beings. Amazingly so, African Americans were able to advance in this society to a plateau in which we are now, by definition, accepted as equals. Racism still exists in many social institutions and mindsets of our citizens, but opportunity now is vast, compared to†¦show more content†¦African Americans were struggling hard enough to get basic equal rights as is, but this was still created to officially provide equality. On March 6, 1961, â€Å"President John F. Kennedy issues Executive Order 10925, wh ich creates the Committee on Equal Employment Opportunity and mandates that projects financed with federal funds ‘take affirmative action’ to ensure that hiring and employment practices are free of racial bias.† Later, President Lyndon Johnson went on to sign the Civil Rights Act, which prohibits discrimination of all kinds backed on race, color, religion, or national origin. This was one of the most groundbreaking power moves in the civil rights struggle to date. On June 4, 1965, in an eloquent speech to the graduating class at Howard University, President Johnson frames the concept underlying affirmative action, asserting that civil rights laws alone are not enough to remedy discrimination: quot;You do not wipe away the scars of centuries by saying: now, you are free to go where you want, do as you desire, and choose the leaders you please. You do not take a man who for years has been hobbled by chains, liberate him, bring him to the starting line of a race, saying, you are free to compete with all the others, and still justly believe you have been completely fair . . . This is the next and more profound stage of the battle for civil rights. We seek not just freedom but opportunity—not just legal equity but human ability—not just equalityShow MoreRelatedEssay Affirmative Action within Universities1811 Words   |  8 Pagesidea that the nation has progressed and there are even some people who trust that it is now time to halt school, housing, and employment affirmative action policies. Sadly though, many people are unaware of the fact that there has been an upsurge in hate crimes and racial profiling. Because of this, there is a chasm between black and whi te success in schools, career prospects, housing, and quality of health care (Sadler 1140-1141). But in recent years, affirmative action has been questioned. MichiganRead MoreEnduring Physical and Mental Abuse in Incidents in the Life of a Slave Girl by Harriet Jacobs1253 Words   |  6 Pagesportrayal of her life as a black slave girl in the 1800s. Though Harriet described herself as having yellowish brown skin; she was the child of a black mother and a white father. â€Å"I was born a slave; but I never knew it till six years of happy childhood had passed away.† Born with one drop of black blood, regardless of the status of her white father, she inherited the classification of black and was inevitably a slave. Harriet endured years of physical and mental abuse from her master and witnessed firsthandRead MoreMy Journey As A Young Adult1978 Words   |  8 Pagesthrough many job opportunities starting from my first job at Disneyland. Started working there as a foods clerk and transitioned into other job opportunities as a bank teller and now working in the United States Army as a Human Resource Specialist which is difficult but very interesting. Over the past couple of weeks, I have learned the different aspects of Human Resources Management (HRM). According to Youssef; Human Resource Management (HRM) â€Å"is the managing of human skills and talents to makeRead MoreRace And Ethnic Stratification Research Paper2992 Words   |  12 PagesRights Act. Within seven years, the two countries underwent critical transformations from a history of systematic oppression to new freedoms. Both the United States and Malaysia are comprised of multiple ethnicities, races, and dynamics that define their social and economic relationships. Because of the timing of social and economic change, residual effects of oppression influence the ability of both countries to lessen racial and ethnic inequalities. However, similarities between racial and ethnic dynamicsRead Mo re Cost Benefit Analysis of Third-Party Intervention in Intrastate Conflict5457 Words   |  22 PagesTHIRD-PARTY INTERVENTION HAS BECOME INCREASINGLY IMPORTANT TO THE PEACE AND SECURITY OF THE INTERNATIONAL SYSTEM. HOWEVER, THE ESCALATION OF VIOLENCE OFTEN ATTRIBUTED TO MILITARY FORMS OF INTERVENTION MAY HAVE SEVERE COSTS FOR BOTH THE TARGET OF INTERVENTION AND THE STATE CHOOSING TO INTERVENE. PAST LITERATURE HAS FOCUSED ON THE EFFECTIVENESS OF SUCH INTERVENTION WITHOUT PROPERLY EVALUATING THE REASONS WHY A THIRD-PARTY CHOOSES TO COMMIT MILITARY RESOURCES TO SUCH ENDEAVORS. THIS STUDY WILL EXAMINERead MoreFundamentals of Hrm263904 Words   |  1056 PagesAccount Manager Training and implementation support www.wileyplus.com/accountmanager MAKE IT YOURS! Fundamentals of Human Resource Management Tenth Edition David A. DeCenzo Coastal Carolina University Conway, SC Stephen P. Robbins San Diego State University San Diego, CA Tenth Edition Contributor Susan L. Verhulst Des Moines Area Community College Ankeny, IA John Wiley Sons, Inc. Associate Publisher Executive Editor Senior Editoral Assistant Marketing Manager Marketing AssistantRead MoreBae Hbr8933 Words   |  36 PagesLocated 25 miles from downtown Denver, Colorado, it was the first major airport to be built in the United States since the opening of the Dallas-Fort Worth Airport in 1974. In 1992, two years into construction, the project’s top managers recommended inclusion of an airport-wide integrated baggage-handling system that could dramatically improve the efficiency of luggage delivery. Originally contracted by United Airlines to cover its operations, the system was to be expanded to serve the entire airport.Read MoreStrategic Human Resource Management View.Pdf Uploaded Successfully133347 Words   |  534 Pagesappeared elsewhere. ii Permission to reprint these has been obtained by Pearson Custom Publishing for this edition only. Further reproduction by any means, electronic or mechanical, including photocopying and recording, or by any information storage or retrieval system, must be arranged with the individual copyright holders noted. This special edition published in cooperation with Pearson Custom Publishing. Printed in the United States of America 10 9 8 7 6 5 4 3 2 1 Please visit our webRead MoreJoline Godfrey and the Polaroid Corporation (a)8877 Words   |  36 Pagesthe room where she and her partner, Jane Lytle, were bargaining for the future of their venture, Odysseum. For the past three years, Polaroid had provided Godfrey with the resources to nurture her idea of using photography as the basis for creative corporate training programs. Now, after agreeing to spin the project off into an independent company, Godfrey was unpleasantly surprised at the proposal Polaroid had made. In return for 14% equity, Polaroid expected to invest only an additionalRead MoreFemale Leadership Advantage and Disadvantag9375 Words   |  38 PagesBlackwell Publishing, Inc. Printed in the USA. Copyright C 2007 Division 35, American Psychological Association. 0361-6843/07 FEMALE LEADERSHIP ADVANTAGE AND DISADVANTAGE: RESOLVING THE CONTRADICTIONS Alice H. Eagly Northwestern University In the United States, women are increasingly praised for having excellent skills for leadership and, in fact, women, more than men, manifest leadership styles associated with effective performance as leaders. Nevertheless, more people prefer male than female bosses

Care Connect Commit Free Essays

Care Commit Connect Introduction Problem Statement In the united States of America, people have access to best oral care. There are standards and protocols imposed on dental business. Yet, millions of people in America do not get basic dental care or they end up getting over treatment. We will write a custom essay sample on Care Connect Commit or any similar topic only for you Order Now Private equity firms own most of the dental businesses. Dental business is one of the most profitable businesses. Dental business owners are top 1% earners In united States. Management puts a lot of pressure on dentists to produce more. The primary goal for management and dentists has become finding loopholes with insurance and aximizing production. unnecessary and over-treatment have become a common practice. Dental treatment Is expensive. We serve a low income area and most patients cannot afford it. We have been providing dental services over 30 years. We are in the health care business, and we need to ask ourselves, are we doing justice with the profession? Are we responsible if patients do not receive proper care? what should we do when the patient cannot afford the treatment? How much should we trust patient’s finances? Outcome and Performance Currently, staff and doctors get paid based on office production. Indirectly we are encouraging staff and dentists to base patient care on production. Patient care should be the company number one priority. Patients are not comfortable to visit a dental office. One of the main reasons Is the cost and overtreatment. We are not a non-for-proflt organization. We have to balance between patient care and business. Ideally no patient should leave the practice untreated for any reason. We need to set an example to other business by exercising a morally correct approach and still be 1 OF3 good business name. We need to work on the company philosophy and take it to the ext level and have a global outcome. We sell happiness by enhancing people’s smiles. Structure In order to do Justice with the profession everyone needs to understand the need of it. What exactly are we doing wrong? Where is this leading the society? We should be ready for a change. There will be a lot of changes in the organization. We can implement the proposed solution conveniently step by step. We adhere to the dental code of ethics. We do not do wrong treatments or do over billing. The professional dental code of ethics does not define moral ethics. We need to create a code of ethics ased on the company philosophy. Moral ethics differ from culture to culture. First, we need to incorporate moral virtue. We can achieve this by offering classes and making it mandatory for everyone and we can offer CE credits. Second, we should change the compensation structure for everyone. The compensation should be based on salary rather than commission. The performance evaluation should be based on the number of patients seen and patient satisfaction. Patient charts should be audited every day. We should present an affordable treatment plan to every patient we see. The treatment plan should not address Just the patient’s chief complain, rather it should provide a complete solution. Patient care should not be an option; it should be mandatory. Third, we should advertise the company moral philosophy to attract more patients. We can offer free patient consultation. We should have a sliding fee structure for patients who cannot afford expensive dental treatments. Emphasis should be put on patient education; we can set up camps and school visits and take part in the local community affairs. Finally, we should change company hiring policy. We should make community experience a requirement for any position. Representation of Data The success of the project can be measured through conducting surveys. Every patient should be encouraged to fill out a survey. Currently, we have approximately 10,000 active patients. Every month we should discuss the practice analysis report. We should do a comparison with last year’s data. When we offer free patient consultation we might be losing some revenue, but there should be a significant increase in comprehensive dental procedure revenue. Overall revenue should increase. When we start seeing more patients, company expense will not increase we can compare previous year’s expense sheet with current. We should have 360 feedback forms every three months, in which every employee should be able appraise other employees. Every patient referral report should be analyzed periodically. We should be able to see the difference in patient count through word of mouth. Methodology and Findings Theoretical and Empirical Evidence Providing health care is a noble profession. Oral health is an essential part of overall health. Dentists are doctors who help patients maintain their oral health. In the United States of America, the healthcare business is one of the most profitable businesses. Government cuts of benefits for adult patients make it difficult for patients with low income to maintain their oral health. There are remarkably few dentists to provide comprehensive treatment to patients. Every profession comes with responsibilities. Dentists that chose dentistry as a profession should provide complete care for patients and should be held responsible. It comes down to moral virtues of a dentist to provide a complete solution to patients based on their financial ituation which might be compensating fewer. This cannot be taught to a person they have to be caring habitually. It is necessary for a dentist to be morally right in order to care, commit and connect toa patient. We have to take ownership and responsibility to make the society morally correct. We will have a good name for business. We have to become a role model for the society. This solution will help us attract more patients by providing honest, comprehensive and less expensive treatments. We can approach Federally Qualified Health centers, in order to provide omprehensive services irrespective of the patient’s ability to pay. Some dental offices are integrating with Federal Qualified Health Centers, a few dentists set up dental camps with free consultation periodically and try to educate patients. Many solo practitioners have lowered their fees to be able to see patients with low income. Many offices have tried reducing expense in order to able to see patients at low cost. Comparison with Other Methods Some of the other alternate solutions could be integrating with federally qualified health centers which will take a lot of time, allocating budget every year for delivering ree treatment to qualified patients, performing mobile dentistry with proposed companies approach and starting in-house insurance programs. Conclusion and Recommendations Limit and Scope of System We can implement the proposed solution at one location; within one, year we should be able to see the difference in the company’s financial report. We have to take ownership and Judge the patient’s honesty. Maximizing the location’s capacity will increase revenue and we should be able to cover the cost. References Heath, D. , Rosenbaum, J. (2012, June 26). The business behind dental treatment for America’s poorest kids. The Center for Public Integrity. How to cite Care Connect Commit, Papers

Subsidy as a Risk Factor for Emerging Markets -myassignmenthelp

Question: Discuss about theSubsidy as a Risk Factor for Emerging Markets. Answer: Risks Emerging In New And Emerging Markets In a situation when a company or a firm has a technological or managerial capability, and such a company or firm invests abroad, a benefit is awarded to both the shareholders and the citizens of the host country both hold a highly profitable and beneficial position. However, in spite of the highly cordial and promising relation between the offers made and the investments done by the foreign company, and whatever is needed or required by the host company, which creates an apparently sound scenario for working between the two concerned companies or firms, the assured or expected success remains yet to be achieved. Some factors and events which are based to the social aspect, have the potential and ability to damage, destroy and disrupt the best and the most efficient plans framed and formulated in both the economies that are emerging, as well as those which are advanced. Such events include elections, other related political events, various crisis arising in the economies, and every ot her factor which is related to social attributes and have a potential and ability to shaken and thrash even the best framed and rooted plans in the industrial basis (Enderwick, 2012). The combination or interplay of all there referred forces and features along with the implication of the various forces of the political strata which make up choices for multinational firms shall gain especial prominence in the chart of the National Government showing a course of flow which is not certain or in a way could be ascertained in the process of stabilization so viewed from the aspect of the global market in a situation when there is financial collapse of falling down. Factors Affecting Venturing A New Arising Level Of Supporting Subsidy When an acquired company is brought into the forefront or in the scenario by the particular organization which holds a strong hold into its functioning, only one concerned organization continues to exist, which keeps on holding up its position and deal and allows decision making in a complete unilateral manner. A contrast to this situation can be seen in a situation where two companies agree to form and establish an alliance between them and there are a number of parties existing and dealing with a number of diversified issues covering a large area and a number of factors (Global Financial Stability Report, October 2015, 2015). This structure basically includes a parent company, followed by a new company in many other cases. This kind of situation and formation usually gives rise to a set of challenges which are unique in their own individual aspect. Master Direction Direct investment made by any concerned resident regarding making ventures in any particular company including a wholly owned subsidy is allowed abroad in relation to the terms of the rules and regulations as per the Foreign Exchange Management Act, 1999 (Barth, Tatom and Yago, 2009). The rules and regulations contained in this Act are amended and put under necessary modifications in a regular period with a view to put to affect and incorporate all the changes and variations which are required to be made as per the regulated framework of performance of the company and its functioning. Such amendments are required to be published through amendment notifications. The Master Direction consists of the instructions that are given and issued as per the connected rules and regulations on the Direct Investments as made by the residents in a venture (Chiquier and Lea, 2009). The basis of this Master Direction consists of a list having all the related notifications of circulars which are furnished along with the appendix. Investments In Energy And Natural Sectors investments made in energy and natural resource sector can be considered in terms of financial commitment even in Overseas issue in the energy and natural resources sectors such as oil, gas, mineral ores, coal, etc, which is made beyond the prescribed limits or made in excess of the financial commitments (Harvard business review on thriving in emerging markets, 2011). In this issue it is important to consider the unregistered partnership firms as under the terms of Foreign Trade Policies should be revised and renewed from time to time and also published in the proper mentioned curriculums. These unregistered partnerships do not go beyond the level of the average realization from exports, thus holding a high export performance. The various activities may diversify as per the regulations mentioned after giving due emphasis on the overseas entity and the shareholding pattern. Intimation regarding any aspect as affirmed or finalized by the decisions taken by the concerned or related authorities concerning the local laws and concerning regulations of the host country should be informed and confirmed by the related superseding authorities within thirty days of its initialization. The financial statements should be made as per the standards of accounting and should be true and fair as per their overall view. Such statements should also be made and referred in the annual general meeting of the company (Gaeta, 2012). If any close deviations exist as per the accounting standards, such is required to be disclosed along with their effects and associated reasons. Every acute details regarding the associates, subsidiaries, and joint ventures is required to be given along with the details of the financial statements and their relation to each other (Manners-Bell, 2014). The accounting standards which have been existing from initial stages should continue to exist in their original terms. However partial changes to the above aspect shall be made wherever needed and required (Kawai and Prasad, 2011). The chief objective behind these initiatives lies to the fact to the formulation of procedures and principles required for due presentation and preparation of the related financial statements and consolidated statements. References Barth, J., Tatom, J. and Yago, G. (2009).China's emerging financial markets. New York: Springer. Chiquier, L. and Lea, M. (2009).Housing finance policy in emerging markets. Washington, DC: World bank. Global capital markets development department. Non-bank financial institutions Group. Enderwick, P. (2012).Understanding Emerging Markets. Hoboken: Taylor and Francis. Gaeta, G. (2012).Opportunities in Emerging Markets. Hoboken: Wiley. Global Financial Stability Report, October 2015. (2015). Washington, DC: Intl Monetary Fund. Harvard business review on thriving in emerging markets. (2011). Boston, Mass.: Harvard Business Review Press. Kawai, M. and Prasad, E. (2011).Financial market regulation and reforms in emerging markets. Washington, D.C.: Brookings Institution Press. Manners-Bell, J. (2014).Logistics and supply chains in emerging markets. London: Kogan Page.