Immigration to the United States and Dream Act

Immigration Immigration policies and immigrants was a major issue in the American Society. The Immigration Act of 1990 raised the amount of immigrants that were allowed in the United States. Each year the number of immigrants that come to the United States were known to be very skillful and talented workers. They could have improved the American Society. Immigrants often traveled with their families. Many of the Immigrants that came to the United States came for a better life and to have more opportunities.The Immigration Act of 1990 also allowed no limit on the amount of visas that a family could have. Because of this 71 percent of immigration visas were going to residents. A law was also formed on how immigrants could get deported. The amout of deportations also increased as the years went on. People were concerned that the laws being passed gave immigration to much power. They get o make to much decisions. In 2012, the DREAM Act was created. It was created based upon immigrants, e ducators, and business leaders.Many people were against the DREAM Act, many people were for it, and their were those who were between it. The DREAM Act was able legalize the undocumented minors that entered the country. The meaning of the DREAM Act is Development Relief and Education of Alien Minors. Their are several requirements that the DREAM Act has in order for a person to eligible for it. To be eligible for the DREAM Act a person must have been 15 years of age or younger when they entered the country. Proof must being given to show that they have been in the country for at least 5 years.Some form of education either a GED or a high school diploma must be shown. They must also be under the age of 30. All of this information can be shown in Document 1. Not many states allow undocumented immigrants to enter the country and receive an education, but New York is one of the few states that allow immigrants to receive an education. I am in favor of the DREAM Act because it has many o pen opportunities for undocumented immigrants. The main goal of the DREAM Act is to makesure that undocumented immigrants can vote, be sucessful, and be apart of the Union.The DREAM Act supports immigrants and wants them to make it somewhere in life and be able to adapt to the American culture. Immigration Policies and Immigrant Policies are discussed in Document 4. Document 4 is stating that the U. S immigration policy wants to keep the United States as a union, which means making undocumented immigrants apart of the United States. Document 4 also shows that the United States also wants to have different cultural mixes involving a variety of different people from different places.Having morals and values are important to immigrants and also the people who are apart of the United States. The current policy for undocumented immigrants is that they still have to go through an interrogation and other processes. Another goal of the DREAM Act is to make sure that everyone is covered with health insurance. As immigrants entered the country, it was possible for them to bring different diseases with them. In 2009, immigrants had more health insurance than the native-borns. About 87. 6 percent of the United States population had health insurance, and the other 14. 1% didn’t.Compared to immigrants the native-borns were no where near having that many people on health insurance, as shown in Document 12. As the years continued, the percentages of immigrants coming to America increased. Most of the undocumented immigrants settled more in the west. The foreign born population was taking over. This is shown in document 9a. Immigrants also took jobs from the Americans because they were more hard-working. Majority of the countries that immigrants came from involved hard labor, so they already knew what it was like to work. Eventually immigrants began to pay taxes.The immigrants who were paying taxes were the ones who were head of their households. Document 9b shows ten d ifferent states that had immigrants paying taxes. The immigrants who were paying taxes were the ones who were the head of their households. Document 9b shows ten different states that had immigrants who were paying taxes. California had the highest amount of taxes being paid. While Washington and North Carolina had the lowest. Georgia, New Jersey, and Arizona are all at the same amount when it comes down to the taxes that are paid by undocumented immigrants who are the head of their households.Undocumented immigrants continue to come to the United states. The number of immigrants who are entering the country continues to increase. Immigrants are settling in the other states also. The DREAM Act applies to and affects immigrants who are entering the United States without any full understanding of how they are going to survive. Since the DREAM Act has been passed for mainly minor immigrants, it affects their level of learning. The DREAM Act requires having some learning experience and stable proof to show that. But depending on what country a inor is coming from the learning curriculum in the United States would be different from how it was to them in their home country. The DREAM Act also says that parents should start teaching their children from home so that when it’s time for them to attend public school they aren’t far behind, and maybe they will be able to pick up quickly. Overall, I still believe that the DREAM Act should be passed, but not in full because it does have a positive impact on our society and it also takes away some of the power that immigration has.

Authentic Leader Journey Report

Work Book 01 1. 1 My Personal Experience My Personal Experience Mid-term examination at APIIT My fellow colleagues were facing difficulties with studying particular chapters that I was good at. Therefore, despite of the time factor, I agreed to help them to get through. Taking care of my pets at home & around I am much more concerned about the wellbeing of my pets & animals around the neighborhood. Always feed them on time, groom & treat them in case of any medical emergency Precise & honest towards my duties/ responsibilitiesI do my level best to avoid any irrelevant contact with my office mates that will disturb my routine & always try to stay focused on finishing given duties on time with satisfactory results. Keeping my house clean & organized I am much concerned about keeping my house & around clean & organized by following the 5S methodology. Enthusiasm towards hand crafting, event management & arts I am very much interested in making my own hand crafts in gifting friends & fam ily, organizing small & creative surprise parties for friends & sketching art. Taking up the challenge of working full-time while studyingAt the point of final year studies, I took up a job to work on full time while managing my studies, time & tasks. During O/Ls, failed economic during the first shy but score an ‘A’ during the 2nd shy At the first instance, I was very disappointed. I studies better & hard for the second shy which I ended up with an ‘A’ grade where my parents & teachers were much impressed. 1. 2Character Map Characters Map Oshadi Korale of ADSL The strong love & motive she has towards helping stray animals has made her stand up through rock bottom situations and prove that if you have the will, you have the way. (Allies) Auditur et altera pars (the other side is heard as well)’ – Lucius Annaeus Seneca Judgments must not be made without hearing it from both sides. (Historical Figure) ‘Leaders who perceive favors have no c hance to build trust’ – Rober Whipple To be a good leader with followers trust, put yourself in others shoe. (Author) ‘Dhammo Bave Rakkhanthi Dhamma Chareehu’ – Lord Buddha Behave in dhamma & dhamma itself will protect you. (Religious Leader) ‘Trust is like glass, you can’t mend it once broken’ – My Mother Be trustworthy that makes you dependable & never break it because afterwards, it will always be in question. Threshold Guardian) ‘We only have what we give’ – Isabelle Allende Be empathetic & helpful. And it will come back to you (Novelist) ‘Winners don’t do different things; they do things in a different way’ – Shiv Kehera Think creative from the ordinary (Public Figure) ‘Fool me once, shame on you. Fool me twice, shame on me’ -B. B King Always learn from mistakes (Celebrity) ‘There is a sufficiency in the world for man’s need but not for manâ€⠄¢s greed’ – Mohandas Gandhi Consume nature’s gifts sparingly (Preeminent leader) ‘The true wisdom is a resolute determination’ – Napoleon BonaparteWith strong determination, dreams could be made become true. (Historical figure) ‘Active evil is better than passive good’ – William lake In everything you do, be active (Poet) 1. 3Johari Window Open (you know/ I know)HelpfulEmpatheticSupports JusticeAnimal LovingReligiousCreativeOutgoingHonestHumorousEco- FriendlyLearning from mistakesDetermination| Blind (you know/ I don’t)Value for thingsBoredVery much givingEager to outstandListen to others| Hidden (you don’t/ I know)PossessiveIndependentStrong Mentality| Unknown (you don’t/ I don’t)Accepting, Bold, Logical, Nervous, Proud, organized, Brave, Dependable, Intelligent, Tense| Open area is being identified by self-questioning & with the help of my parents, friends and close allies. * Interviews were carried out with my parents, siblings, team members & other friends in discovering the blind side of me. * Deep self-examining was carried out in identifying the hidden side of me. The hidden side of me consisted of those expressions which I had in me but was not feeling comfortable to express publicly due to personal defensing reasons. * Unknown side of me was pretty difficult to identify as it was not known to me or others.Therefore, I had to make use of online psychometric test assistants & E- Johari Window exercises to understand these aspects. Discussion:Self Awareness In the journey of beginning to become an authentic leader, one must first carry out a self evaluation. Self evaluation consists of understanding yourself against past experiences you’ve gone through (childhood experiences, educational experiences, moments with allies, results of social interactions & etc). Considering these elements of self evaluation, it can be understood that all these sum up to the key word Self- Awareness.Simply breaking down the meaning of self awareness, it can also be known as knowing ‘Who I am’. A person without knowing itself can never be expected to understand others & lead others effectively. In becoming an effective leader, one must become the kind that its followers are willing to look up to. Having a better understanding about our self helps us to understand our interests, strengths, weaknesses, skills, capabilities, values, motivators, morals & etc which helps us to have a clear picture on our abilities which should be enhanced & drawbacks which needs to be overcome in achieving our targets.In building self awareness, there are several tools initiated by different leaders, researches & other initiators in helping individuals to discover themselves before becoming an effective leader. As you will notice under the appendix, my personal experience mind map, character map and Johari window concepts are exercised in helping me in raising self a wareness. Experiences that are elaborated in the experience mind map (appendix 1. 1) represent those moments in my life which has set targets, changed personal beliefs; realize my interests and simply knowing how I prefer to serve myself being true to my heart & instincts.Quoting the university incident, seeing my colleagues facing difficulties in studying for exams with the limited time factor, I understood that I could do some good deed by helping them to easily understand those chapters which I was god at and at the same time, recall my study memory. As I was done tutoring them, I had the feeling of satisfaction in me which brought me the determination of helping out people when in need because I felt that I made a good value out of my living.Overlooking the general past experience mind map, it can be summarized as helpfulness, being organized, caring, honesty, precise working patterns, prone to challenge & creativity are a few noticeable elements in me which explains my percepti on. As anybody else in the world, I have made use of behaviors, quotes & beliefs other people in extracting examples for me to believe and look up to. These external parties have had influences on my beliefs & values where it is important to draw a character map (appendix 1. ) in raising self awareness. By building the character map, I have understood that learning from mistakes, activeness, eco- friendliness, honesty, fairness, creativity, empathy & helpfulness attracted most of my attention as I believe in them & further practice such expressions. Also, the Johari window (appendix 1. 3) further helps me to understand myself in a much advance & more effective level where perceptions of third parties have been brought to the concern.Under the open area, it clearly identify that myself as well as others understand (realized by self questioning myself & interviewing others) that I’m a person with interest for other’s wellbeing, open personality, religious, socially activ e & who supports justice. Also, out of my concern (blind), others have understood me to be donating & determinant people (eager to outstand) and were identified by questioning my allies, guardians, fiends, team mates & relatives.Under the hidden area, it has showed certain expressions which I have been hiding from the society for my personal defense. Such hidden expressions explain that I’m possessive against what I care for, make my own fortune, listen to others & have a very strong mental strength which is protective against failures & disappointments (identified by deeply examining myself). Finally, the unknown area has made me realize a few expressions which neither I nor others have tend t understood in me. In identifying these expressions, I made use of an online psychometric test (on www. onroeconsulting. com) which discovered that I am adequately assertive, able in working in teams & possess adequate leadership qualities. Also, with use of other online resources, I ha ve come to understand that I also possess unknown expressions such as being reasonable (logical, accepting), strong in personality (brave, bold, proud) & possess average leadership qualities (dependable, intelligent). In summary, I disclose myself much therefore, my open expressions are more than unknown expressions which denotes a satisfactory level of self awareness.Therefore, it is learnt that I have an adequate degree of self-awareness, which enables me to understand my feelings. This understanding gives me the ability to control myself, thus enabling me to adequately rise from a failure and push on to achieve intended goal or purpose. Also it shows that I can adequately express myself to others, and are sufficiently able to act firmly when revealing what I feel, with regard to both my ideas and the ideas of others.I am generally able to understand the point of view of other people and can communicate in a quite effective manner with other people often with those with a differin g point of view. Also, generally have satisfactorily developed skills in terms of social interaction and have a willingness to be involved with others. In terms of group activity, I have the ability to facilitate cooperation amongst group members. Work Book 02 2. 1My Personal Values 2. 1. 1Identifying My Personal ValuesWhat is very important to me| What is Important for me| What is not important for me| HelpfulEmpathyCreativeFair & JusticeHonestDetermination| ActiveEco- FriendlyLearning from mistakesTrustworthyReligious| AssertiveBoldProudValue for things| 2. 1. 2Value Awareness Table Rank| Value| Why is this really important to me? | What does it mean to me? | Why have I ranked it here? | 1| Fair & Justice| To certify that authentic leaders do not favor or treat people unequally. To make sure whatever the environment that I’m dealing with, none is being mistreated or hurt upon my perception/ decisions/ actions which proves my dependability| When fairness & justice is confirm ed, it is makes sure that it has ruled out destructive decisions| 2| Empathetic| Important to know how others feel about my perception/ decisions| Proves the sense of humanity I possess| Putting myself in other shoes makes me understand them where I can make decisions which will satisfy all parties| 3| Helpful| This shows who I am| Proves the sense of humanity I possess| When working as a leader, I must always move the team along with my actions. Therefore being helpful, it will help the team to move towards goals as one| 4| Creative| It is important outsmart the ordinary| To find better, effective & efficient ways in achieving targets| Creativity is the next importance as helping people & the team can be done in creative manners which will save the waste of time, cost & skills| | Honest| It is important in building bonds in the society & win hearts| Means my ability to humbly admits my drawbacks & avoid lying for personal interests| Honesty must be practiced promoted to keep the sm ooth environment where no destructive decisions & actions are initiated| 6| Trustworthy| It is important to make yourself appear dependable to others| Trustworthiness that that I possess towards people & ways in which I can promote trustworthiness among people| It helps the leader to build alliances & bonds| 7| Determination| Determination is important to make sure myself as a leader will be surely achieve targets| Means that I will not be bored, distracted or disappointed on my journey towards my goals| It ensure the achievement of all targets| 8| Learn from mistakes| To enhance improvements in my self| It is the capability & willingness of myself in accepting the mistake and learn to overcome in enhancing my image of responsibility| It will ensure the overcoming of barriers & enhance development| 9| Active| To avoid fear of boredom & disappointments| Means that I will not be distracted by means of circumstance in achieving my targets which denotes my consistency| It will inspire t hose distracted followers to be engaged once again and know how to maintain determination| 10| Eco- Friendly| To ensure the protection of limited resources| Be moved away from being self centered and preserve limited resources for the sustainability of beings. | Helps to build the sense that the leader is not being self centered which will impress its followers| 2. 2Values under PressureDuring my service at Imperial tea Exports, I was assigned to manage new buyer inquires and building business relationships in attracting orders. Since it was my first working experience, I wasn’t much sure of how to plan & organize my work & schedule. I was constantly summoned by my manager to follow steps in noting priorities for the at the beginning of the day where I will not tend to miss or duplicate any work and properly my manage my work load. Even after several warned minor mistakes due to my disorganized patterns by compromising on my value of learn from mistakes, I didn’t pay m uch attention to it where it came to my concern that I had mistakenly ignored to correspond to enquiries of a set of highly potential buyers.Due to the fear of being blamed, I tend to hide it away where I completely compromised on my values of honesty & trustworthiness. Once this was brought to the concern of my manager by those buyers itself, I was sent through formal procedures in high level warning & my monthly bonus was revoked. As a wise and helpful solution for the above scenario, incase if I was to re- experience such situation, despite of the fact that I will be blamed in short term, I will not hide anything from my manager as he is the immediate personal who can come up with the best solution in settling the situation. I will be completely honest & clearly communicate my situation and build trust within which will be helpful for me in facing potential circumstances.Also, I could adopt a new value in to myself (being organized) in order to revoke such easily preventable circ umstances in the future which will not only develop my effective authenticity, it will also not make me compromise on my values potentially which will preserve my authenticity. 2. 3Ethical Boundaries 1) 5 Why’s In controlling myself over compromising on my values at the point of temptation, I have learnt to follow the 5 WHY’s theory where I question myself ‘why am I doing this’ for five times for every answer provided since the first why. It is stated that the researcher will come to understand if they are compromising their values on or before the 5th why. 2) True to Heart & Instincts At the point of temptation, I will question myself if I am doing this according to what my heart & instincts desire or am I being pressured to do so. 3) Religious ViewsUnder certain cases (tempted to lie to revoke being scolded or punished) of temptation, I tend to compare my tempted to do actions with my religious beliefs and control myself if it will breach my religious be liefs. 4) Preset Limits/ Strategies At the slightest notification of possible situations where I will compromise on my values, I pre set a list of actions which I am allowed to observe & not observe to preserve my values and authenticity. Eg: during team work where the team is on tight schedule and limited time, I will set a list of my values relevant to team work and review at times of difficulties to make sure I do not compromise on my values in gaining short term benefits. ) Allies Perception/ feedback 3rd party perception is most frequently used by me in understand if I am compromising on my open area values where I tend to question my family, friends, colleagues & etc. 2. 4Key Learning from Reflecting Values As it is understood that helpful, empathy, creative, fair & justice, honesty, eco- friendly, trust worthy, active, determination & learning from mistakes are my key values which describes my authenticity which will not change under any environment I have adapted these value s in myself as I gain a personal satisfaction through them which makes me feel that I can represent myself much better & original.It is understood by studying my values that I have a strong caring towards interpersonal expressions (interest for others) where I am willing to help others, understand their situations/ perceptions, bring out the best/ equal treating on everybody, keeping things clear between people by being honest & trustworthy. Also it is understandable that I am also keen towards leadership qualities such as creativity, determination & learning from mistakes in improving myself to be a better authentic leader. This can bring my values to a summary that I am more of a people’s person who is willing to create & maintain bonds among and guide them to its development.In further carrying out this authentic journey report, I can use these learning to understand what my extrinsic & intrinsic motivators are and understand my capabilities in understanding my sweet spots which will set up the base to build a PDP (Personal Development Plan) in achieving my development as an authentic leader. Discussion:Values To become an authentic leader, we must develop high awareness of our values. Values are those expressions which we authentically adapt and which describes one’s beliefs. A person without articulated values where behavior is guided by external factors are low aware of their values & those who has strong articulated values that guide decision & behaviors has high awareness of its values. Values do not change depending upon the environment one operates in & not agreed to compromise for short term benefits. In becoming aware of my personal values, several measures are being observed in this report.Firstly with use of my character map & johari window, I have identified 11 key areas (Helpful, Empathy, Creative, Fair & Justice, Honest, Determination, Active, Eco- Friendly, Learning from mistakes, Trustworthy & Religious) which I believe to desc ribe me the best & to be my values and categorize them as under most important, important & non important values (appendix 2. 1. 1). With use of a value awareness grid, I then prioritized my top 10 most important values (Helpful, Empathy, Creative, Fair & Justice, Honest, Determination, Active, Eco- Friendly, Learning from mistakes, Trustworthy) and understand why they are important to me, what do they mean to me & why I have ranked them there (appendix 2. 1. 2 ). It is pretty easy to live our values when we face no difficulties.But at times when life throw stones at us, as a person who is in the progress of building authenticity in myself, I tend to compromise on my values in achieving solutions. Therefore further understanding pressure drops on my values, I have discussed a true experience (appendix 2. 2) at my previous workstation where I happen to compromise on my values in seeking temporary solutions. According to Bill George (2007), ‘ethical boundaries set clear limits o n what you will do when you are tempted or are under pressure or when you start rationalizing a series of major decisions’. Therefore, in order to avoid my process of becoming an authentic leader by compromising on my values, I have set 5 ethical boundaries which will remind me of my limits and revoke value compromising (appendix 2. 3). why’s- will question my reasons for being tempted where it will ultimately realize me the fact that I am about to compromise my values for short term goals, True to heart & instincts- Follow my heart and inner instincts and question if my values will agree with my actions, Religious views- at the point of temptation, compare my potential actions with religious beliefs and determine its negative impact, Preset limits- will help me to concentrate on following a path which complies with my values & rule out which should not be done to protect my values & Allies feedback- is being frequently followed by myself where I get feedback from my a llies on if I’m breaching my open values as the notice.It can be brought to a conclusion that my values are more concentrated on inter personal level where most of my values are based on the best interest of how I deal with others and further explain my leadership qualities in possessing to become an authentic leader (appendix 2. 4). Work Book 3 3. 1My Motivation Incident| Motivated or Not| Justification| Midterm exams at APIIT| Motivated| I was motivated to help them as I understood their difficult situation. And by analyzing my capabilities & my religious beliefs on helping people, I was motivated to help. | Keeping the house clean| Motivated| The sense of being organized & keeping unwanted issue away with simplicity, I was motivated to keep my house clean & tidy. Caring for animals| Motivated| Understanding their incapability in talking & helplessness, I was motivated to provide them with all caring to make sure they are not mistreated or hurt. My religious beliefs also su pported my motivation. | Precise & honesty at work| Motivated| I was motivated to be precise & honest during work as I want to present my best performance & be honest as I want to be appreciated, values & rewarded in return. | Working while studying| Motivated| I was motivated to challenge myself to see if I am capable in facing difficult situations with complete confidence & strong mind. | Creativity, event management & arts| Motivated| I was motivated to be such creative & artistic as I had a passion towards doing beautiful thins nd expressing my unsaid feelings & talents through being creative. | O/Ls 2nd shy| Motivated| I was motivated by my results as I saw the clear reflection of true dedication. Also, my parents said that they were very impressed by my work where I was motivated to maintain & further develop my capabilities. | 3. 2Personal Extrinsic Motivators Category| Score 1-10| Ranking| This is important to me because†¦ (fill in top 5)| Praise & appreciation| 9| 1| I mportant because I look forward for critical feedbacks or constructive criticism on different aspects on my actions/ decisions from others point of view to extracts point of learning & development. Money| 8| 2| It gives me the sense of financial satisfaction I can fulfill my needs & wants better while saving for a better & sounding future| Position power| 8| 3| Position power is important to be because, I believe that having a sounding position power will grant me for special privileges which will create better platforms for me to be more creative. | Opportunities| 7| 4| As I’m continuously looking forward to develop myself/ career, I am always motivated by new opportunities which will take my development to a new level. | Recognition (or fame)| 7| 5| As I am looking forward for development, I need to created value & demand for myself.By being recognized, it makes third parties realize that I am being valued. | 3. 3Personal Intrinsic Motivators Category| Score 1-10| Ranking| This is important to me because†¦(fill in top 5)| Helping others| 9| 1| I feel more of an important person and that I make the right use of my capabilities & skills where I internally feel that I’m making the rightful use of humanity considering their gratitude. | Satisfaction from doing agood job| 9| 2| It provides me great extents of self satisfaction, peace in my mind & happiness by knowing that I’ve done good deed as I believe in karma (what goes around comes back around). | Being creative| 8| 3| It revokes the fear of oredom & sense of disappointment and makes me think beyond boundaries by making the best use of my capabilities & critical thinking. | Deriving pleasure fromperforming a task | 8| 4| It is important for me to understand my current capabilities and figure out ways in which I can further develop them. | Challenging & changingthings| 7| 5| Important because it makes me realize that I am capable of doing things more than I anticipated and motivates myself to further explore those capabilities, be self confident, understand my competencies & estimate self value. | 3. 4Balancing Extrinsic & Intrinsic Motivators | Off balance situation| Prevention or action| | Being centered on financial motivators where I will tend to compromise on my values & authenticity to gain personal benefits| Demand financial motivators to match my value, skills, status & knowledge and always cross check my actions/ decision with my value list| 2| Being too much dependent on feedback where it will destroy my critical thinking capabilities & diminish my self confidence| Make progress reports on remarked work I perform and cross check with third party feedback and understand expected improvements where in case of absence of feedback, I will still know how to cope up & continue| 3| Being carried away with creativity & create situations which cannot match ordinary capabilities & willingness of others which will be an ultimate waste of cost, time & skills| Ana lyze the need for creativity and alter the supply accordingly & plan out ethical boundaries | 4| Being over fond of communication and being detoured from original goals & requirements| Create a check list of what, how, when, why & who to communicate. And always steer the progress towards success with milestones. | 5| Becoming an extremist on achieving final goals where I will lose my complete knowledge over other social/ personal factors which will diminish my abilities of adaptability| Arrange my time accordingly & prioritize my working pattern. | 3. 5Interests Interest| The reason this is important to me is†¦|Helping animals| I like to enjoy the unsaid gratitude expressed by animals when they are being helped & taken care of| Be organized| Important because it saves my time & cost where I can create a trouble or confusion free environment at home, office & etc as I look forward to live with less stressing situations| Lending help to people| Important to me because it strength en my capabilities & skills where I also like being thanked for my efforts by words | Thinking out of the box| Important because I am interested in discovering new things in life, practice them, learn through them & teach them to others and feel the satisfaction of seeing people willing to follow my lead| Do the right thing the right way| Important because it helps me to reflect the good human I am & even if I commit a mistake, I will learn from it| Being religious| It reflects the spiritual human being I am, make others be aware of my boundaries & help to create ethical boundaries| Clarity| Important because I do not want to misinterpret myself to another or misinterpret another to myself and create conflicts & contaminate my authenticity| Preserving the environment| As I understand the value of scared resources, it is important for me to contribute in saving them for the sustainability of all beings| Treat people equal| It is important because I understand that none will like to b e mistreated just as I dislike it. Therefore understanding that, I can do my best to stick to my value of fair & justice & be more authentic & sounding| Arts| It enables myself to freely express my feelings & talents| 3. 6Strengths & Weaknesses 3. 6. 1StrengthsHard skills| Soft skills| Qualities| Personality Types| Talents/Abilities| * Presentation skills * Leadership * Team building * Marketing * Customer relationship building * Computer literacy * Multi lingual proficiency * Photoshop & other software literacy * Business communication * Teaching * Working experience * Educational background| * Motivation * Positive attitude * Communication * Self confidence * Empathy * Working under pressure| * Creativity * Sense of humor * Education * Adaptability * Loyalty * Honesty * Helpfulness * Caring * Bonding * Trustworthiness| * Artist * Protector * Idealist * Thinker * Achiever * Doer * Performer * Care giver * Spontaneous * giver| * Credibility * Designing * Counseling * Singing * Event management * Public speaking * Mehendi arts * Sketching| 3. 6. 2Weaknesses 1) Quick temper 2) Extreme expenses 3) Easily bored 4) Time management 5) High tendency towards enjoyment 3. 7Sweets Spots of My Motivated Capabilities Sweet Spot 01 Become an International Marketing Manager (as I have studies international marketing during my degree and willing to study for CIM as well as I am motivated by the position power) With high interaction with international buyers (where I have the capability of clearly communicating myself where I’m motivated by challenging and changing things) In an export oriented organization (as I have similar prior experience and motivated by organization’s recognition) Which is recognized worldwide (because I have the capability in managing multiple languages & motivated by the number of potential opportunities available) * Sweet Spot 2Becoming a lecturer (as I have the capability in clearly communication content to people & motivated by gettin g an opportunity to help others) With opportunities in teaching marketing (as I have prior knowledge and educational back ground in the subject, practical knowledge through working experience where I’m motivated by the fair pay and satisfaction from doing a good job) In a reputed educational institute in Sri Lanka (as I have the capability of outstanding with creativity in teaching & motivated by recognition) Which is affiliated with foreign universities (because I have the capability in building bonds & clearly communicate with foreign module leaders & motivated by opportunities I stand in developing my skills? ) * Sweet Spot 3Become a young entrepreneur (because I possess leadership skills & prior work experience & motivated by earning more money & position power) With opportunities in building my own business strategies (as I have studied business strategies during my degree, creativity and motivated by deriving a pleasure from performing a task) In my own salon & spa (whe re I have capabilities in marketing, being organized, prior knowledge about the field & motivated by challenging & changing the process) Which is recognized for launching new beauty management technologies (because I have the capabilities in thinking out of the box & be motivated by doing a good job and helping people) Discussion: Motivated Capabilities According to Kendra Cherry (2013), ‘Motivation is defined as the process that initiates, guides and maintains goal-oriented behaviors’. Under the workbook three, it analyzes the motivational capabilities of me with use of several tools. As ill George discuss in True North (pg. 106), motivation consist of two forms; Extrinsic & Intrinsic. Extrinsic motivators are derived from the external world (money) and intrinsic motivators are derived from the meaning of one’s life. As the first attempt of understanding my motivation capabilities (appendix 3. ), I have considered my life stories analyzing what caused my motivat ion/ de-motivation under each story. Once causes are being identified, a cross comparison of myself awareness & values with cause helped me to understand my motivators. Secondly, in classifying what motivators are most crucial for me, I have done an analysis of personal extrinsic motivators (appendix 3. 2) & intrinsic motivators (appendix 3. 3) with use of a grid where I have ranked, scored & explained why these motivators are important to me. Under extrinsic motivators, it was learnt that I was more prone to react for motivator such praise & appreciation, money, position power, opportunities &recognition.Under intrinsic analysis, it was understood that I was motivated at instances of helping others, satisfaction from doing a good job, being creative, deriving pleasure from performing tasks & challenging & changing things. By reconsidering these motivators, it could be brought to a conclusion that my extrinsic motivators consist of those factors which help me to learn and develop my self further & intrinsic motivators are those which brings mental satisfaction. As much as motivators do good, being over attached to them could also bring disadvantages. In analyzing potential possibilities my motivators pulling me off balance, it was discovered that greed for money, over- dependency on feedback, too much creativity, too much communication & extremist on goal achieving could potentially pull me off my motivation balance.In overcoming such situations, it was recommended to do time management, activity prioritizing, following ethical boundaries, cross comparison of values & actions, create progress reports and enhance self awareness better in preventing such situations (appendix 3. 4). As motivation & interest play along, it was then discussed how my motivators provoke interest within me to do what I desire. In discovering my interests (appendix 3. 5), I questioned myself, what is important for me? , what am I really interested in? & What makes me passionate?. In the end, it was understood that gratitude, peacefulness, personal development, sense of exploring, accuracy, beliefs & freedom are those hidden instincts which generate interest with in towards my motivators. Once my motivators are identified, strengths (hard/ soft skills, qualities, personality types & talents) (appendix 3. ) & weaknesses (quick temper, expensiveness, boredom, time management & enjoyment addiction) (appendix 3. 7) identified where they were then connected to find my motivated capabilities which helped to determine sweet spots (the best of what I want to become by putting my motivations & capabilities together). In identifying sweet spots (appendix 3. 8), I questioned my desires with What to Become? With what originality? , At where? & Which performs what?. International Marketing Manager at an export company, Marketing Lecturer at a foreign university affiliated institute & a young entrepreneur of a salon & spa. ConclusionIn winding up this report, it can be stated th at this is report is based on a critical examination of my effectiveness as an authentic leader by applying models learn at lectures & through reference material to present the research that I have undertaken in my own personal research. In further explaining the report consists of three workbooks which explain self-awareness, values & motivated capabilities of me. Firstly, the report has explained measures in which my self- awareness is being determined. With use of a personal experience map, it shows what remarkable experiences that I have gone through and what makes those life stories special to my instincts. Also, as we all humans look up to third parties in extracting inspirations, I have built a character map which not only consider event in my life story, which also consider roles of those specific characters has played in my development.Also, as the last step of self awareness, a Johari Window is being created which examine my open, blind, hidden & unknown areas of my life w hich provides me with a better understanding of myself and my characteristics. At the end measuring myself awareness, it can be brought to a conclusion that I am adequately aware of myself where my open area is wider than unknown as I have thoroughly understood myself. Secondly, with use of self awareness, I have extracted a set of expressions believed to be my values and prioritized them where the most important and important values are being considered to be my values which are true to my heart & which defines me better. Once values are identified, a scenario (compromising on honesty) has been explained where my values were being compromised and what actions would I have taken beside the original response.Also, the report further discuss ethical boundaries which I follow in making sure to not compromise on my values potentially with use of different measures. It can be brought to a conclusion that my values are more concentrated on inter personal level where most of my values are based on the best interest of how I deal with others and further explain my leadership qualities in possessing to become an authentic leader Finally, with use of reasons why I was motivated during my life events mentioned under self- awareness, the report has classifies my motivators between extrinsic & intrinsic which denote motivators through external forces & through life story.In further explanation, my top 5 extrinsic & intrinsic motivators are being selected by ranking & reasoning where it then examine how to balance my motivators incase of circumstances caused due to strong need for motivators which will potentially pull me off balance. As interests are being provoked by motivators, the report then have discussed ways in which motivators provoked my interest under life story by answering what is really important to me, what am I interested in & what makes me passionate. And then my strengths (hard/ soft skills, qualities, personality types, talents) & weaknesses are being eva luated in understanding my capabilities where motivators & capabilities are cross connected in generating sweet spots which determine the best of what motivates me to be within my capabilities.Collection of sweet spots listed up to an international marketing manager, marketing lecturer & young entrepreneur. Recommendation Following recommendations are drawn in developing me to become an authentic leader. All recommendations compile with the SMART framework. Eg: Specific:Clarity of negotiation Measurable:Ask for feedback from friends, do trial negotiations Achievable:Improve understanding the purpose of negotiation Realistic:Being able to clearly identify features of negotiation Time:(4 months) Aug 2013-Dec 2013 Skill| Objective| Method| Time Scale| Monitoring & Review| Time Management| Meet deadlines on time | I could maintain a to- do list for the week with time constrains. (6 months)June ’13 – Nov ‘13| * Keep a track of tasks completed and its timing * Receive feedback from the task coordinators for meeting deadlines. | | | Identify the times at which you can work the best. | | | | | Maintain a speed when working. | | | | Maintain ‘Contingency Time’ practice| Include contingency timing when planning. | | | Negotiation| Negotiate to the point| Improve understanding the purpose of negotiation. | (4 months)Aug ‘13 – Dec ‘13| * Ask for feedback from friends * Do trial negotiations| | Clarity of negotiation| Present all background ideas and facts. | | | | Ability to convince| Outsource ideas, read articles. Practice with colleagues. | | | Communication| Improve clear talking| Practice breath pauses.Make use of audio/ video tracks & articles for practicing. | (4 months)Oct 13-Jan14| * Ask my friends for feedback on clear speaking * Ask colleagues for feedback on my understanding of their messages based on my reaction/ feedback. | | Improve listening skills| Listen patiently. Wait for my turn to express. | | | Lea dership| Improving listening skills| Listen patiently. Refer materials which help to improve listening skills. | (6 months)Dec 13-May 14| * Request feedback from fellow team members| | Pay attention to others point of views| Let the others express their point of view. Discuss each possibility of every idea suggested. | | Stress Management| Learn about managing stress| Research & discover effective techniques in managing stress. Follow therapies in maintaining peace in mind. | (6 months)Feb 14- July 14| * Try a trial stress situation * Colleague feedback| Motivation| Improve self confidence| Read journals and research tips in improving self confidence. Attend workshops. | (6 months)Apr 14 – Sep 14| * Keep a track of progress since day one and evaluate * Ask friends & family for progress feedback * Compare the current status with those mentioned in external sources referred| | Improve & manage motivation| Watch motivations videos, read articles.Find more innovative and interest ing motivational techniques. | | | Prioritizing| Prioritizing tasks| Cluster all tasks and categorize them according to the priority level. Learn to Say ‘NO’. | (4 months)Jun 14-Sep 14| * Practice saying no to irrelevant tasks/ activities * Practice procrastination on daily activities and monitor the effect * Ask seniors for their comments| | Study about procrastination and its usage| Refer books, articles, websites and understand how, why and when to use procrastination. | | | Team Building| Improve team building skills| Read articles. Involve in real time team activities. | (6 months)Aug 14-Jan 15| * Request Feedback from fellow team members|

Project Cash Flow Essay Example | Topics and Well Written Essays - 1000 words

Project Cash Flow - Essay Example Therefore to have the money later you will certainly want a reasonable compensation for the delayed consumption, the risk or uncertainty and the inflation. All these factors: delayed consumption, uncertainty and inflation determine the interest rate over a certain amount of money which is due at present but the acquisition of which is put off till a future date. In any situation when a person or group becomes or become indifferent to these three factors then the value of time to that person or group in that particular situation ceases to matter. The situation can be caused by internal factors as well as external factors or both. We can imagine few such situations, for example if in a hospital the anaesthesia machine goes bust in the mid of an operation and the standby machine is at some other OT then irrespective of rational comparisons a new machine has to be ordered because the situation demands it, or for example if there is fire in a factory and machines become unavailable for completing the order at hand worth millions of dollars then new machinery has to be arranged for as soon as possible without going into much details of profitability etc. The example that we have taken are extreme cases. In real life, situations generally lie mid way between conditions of very high emergencies to conditions of no pressure at all. There is usually existence of some pressures which limits the time that can be infinitely spent on arriving at the best analysis. In real life decision making is often done amidst many known and many unknown variables.1 Situations of absolute unpredictability Situations of absolute predictability Reliance on the available and Reliance on complex decision making tools easy to operate decision making tools II) Time value of Money-estimating the discount rate The predictability of a situation depends on a host of internal and external factors. Internal factors can include the knowledge and experience of the organization the management information and coordination systems, the resources and time available to the organization etc. The external factors can include the market forces and the business environment. In the case of applying time value analysis in project decisions the uncertain factor is the cost of capital 2.The estimation of cost of capital or the discounting rate is a complex process and its accuracy depends on many factors. Estimating the cost of capit

The Brand Promotion of Tesco in Beijing City, Based on the Program of Essay - 1

The Brand Promotion of Tesco in Beijing City, Based on the Program of Sales Promotion of Tescos Products to housewives in Beijing - Essay Example Tesco is involved in below the line activities to keep the housewives attracted but it needs to focus more on such activities. The main problem that the firm is facing is that it cannot establish itself as a low priced retailer. This is because the housewives are knowledgeable about the market and know where to get the best price from. Thus Tesco needs to improve upon its promotional tools to face local competition and to alter the image the consumers have of the brand. The Chinese market is very different and has a lot of cultures. Thus Tesco has to adapt to the preferences of the different types of people. The firm uses all types of brand and sales promotion mediums, the rational modes of advertisements are still dominating the market. Television is overpowering other communication mediums like print medium and the internet. However, the firm should not only focus on the traditional mode of communication. Rather they should expand their horizon and try to use other mediums the internet and technology based marketing tools. Zhen (2007) explains that this is because it is a futuristic view and at some point such technological advances will become an eminent part of the market. At the same time, to reach the consumers currently Tesco has to focus more on television as it is a more reliable mode of communication with the consumers. The consumers truest the television and thus it will help Tesco get the message across. Print media is another option like magazines to reach particular target markets, especially house wives. Moreover, fliers, word of mouth and below the line activities can also be looked into. Below the line activities may have a greater impact on women and help promote the brand. To encourage sales promotion, in store promotions may also work well with women and help influence their decision m aking. As per Zhen (2007) Tesco is facing a challenging market in China as it is finding it difficult to

Short answers Coursework Example | Topics and Well Written Essays - 250 words

Short answers - Coursework Example So under such situation the seller will pass the entire tax burden on the consumer and will remain unaffected himself. If the price elasticity of demand (PED) of a product is 0.75, then it means that the product has an inelastic demand. This means a percentage change in price is not followed by a significant change in quantity demanded. If the firm decides to increase the price by 20 % then quantity demand will be negligibly affected and the total revenue will increase. Total revenue increases if either price increases or QD increases. Here price is increasing by a greater proportion then the decrease in QD, therefore the overall total revenue for the firm will also increase. The above shows that after the price change, the marginal utility per dollar spent on pretzels is higher than the marginal utility per dollar spent on beer. Under such circumstances the consumer should spend more on pretzels and less on beer. He should continue to do so until the marginal utility per dollar spent on both the goods become equal. If by hiring additional labor the total output increases with the decreasing rate, then the labor can said to have diminishing returns e.g if a firm hires 4th unit of labor, then the total output increases by 10 units. However when the firm hires 5th unit of labor, then the total output increases by 8 units only. So under such situation the total output is increasing but with a decreasing rate, this is known as diminishing returns. Similarly if a firm currently has 4 labors and they were producing 300 units per day. Now if the firm hires 5th unit of labor, but they manage to produce only 270 units per day, then this is known as negative returns, as the total output decreases with additional labor. The good produced under perfect competition are homogenous i.e goods of an individual firm is exactly identical to the goods of the other firm, they are perfect substitutes. So if an individual firm tries to charge a higher price on the

Read Plato's Allegory of the Cave Essay Example | Topics and Well Written Essays - 250 words

Read Plato's Allegory of the Cave - Essay Example Because it's all they've ever known, they think these shapes are the reality, but Plato says it's important to try to get these people to come out of the cave to see the true reality by the light of the sun. They will struggle and not want to admit the truth, but if they stay in the sun long enough, they will finally begin to understand. It was difficult for me to think of a time when I was fooled into believing something was true instead of what was real. There are many times when this happens in life, but we rarely want to admit it. One thing really stands out in my mind, though. This is my belief in the United States President George W. Bush. I really didn't pay much attention to politics growing up and thought it was natural to support the President when he called for us to go to war in Iraq to save us from the weapons of mass destruction he knew were there. I didn't think there was any reason for me to question him since he had access to so much inside information. Even after th e fall of Bagdad and the searches we did in that country without finding any WMDs, I still believed the Iraqi's must have hidden them somewhere we just couldn't think to look. After having friends and relatives deployed to that region and seeing so many soldiers being killed, I started to pay more attention.

Rights Essay Example | Topics and Well Written Essays - 500 words

Rights - Essay Example He was against the concept of looking elsewhere for powers or remedies that know no concrete existence in the world. He believed in the power of the self, and advocated the views that man was ultimately powerful within his own domains. Marx believed, "Man makes religion, religion does not make man" (1844). And subsequently followed his concepts wherein he concluded that man is not an abstract entity, but the purpose of creation himself. All answers are only to be found within the visible means available, which are predominantly all available within the society. Hence he came to the notion that society was the one thing that empowered man, as it entailed all its norms, ideals and resolutions. With the infamous saying, "[Religion] is the opium of the people" (Marx, 1844), he generated the idea that collective goals and solutions are within the reach of man and society themselves; they should be accessed at any other level. Intangibles, and subjective reality were a hoax in his perception, and he declared that a thinking collective force was the ideal way out. Marx searched relentlessly for the truth, and put the responsibility upon the shoulders of history to come up with a plausible answer.

Dominican Republic Essay Example | Topics and Well Written Essays - 500 words

Dominican Republic - Essay Example Such news includes stories portraying the negativity of Haitians and their poor way of life. This negative depiction of Haitians plays a major role in instilling antihaitinismo among the Dominican people. Haiti’s politics is portrayed as bad and viewed as a political failure by the Dominican press. All the media wants is negative news about Haiti so as to make great headlines and, as a result, make money by attracting many readers. Political cartoons are very common in print media and are used to give news that are hard to spread in words. Such news is greatly exaggerated to come up with cartoons that will be attractive enough for news consumers among the Dominican People. The negative news portraying antihaitinismo in the Dominican Republic is mostly false, but due to the media restriction within the Dominican Republic, the Dominican people tend to believe it to be true. In fact, very few Dominican reporters know the truth about Haiti. The rest only give news based on seconda ry sources, rather than firsthand experience or sources. None of them has been to Haiti to experience their way of life and to give a true account of it (Sagas, 2003). During the Trujillo error, antihaitinismo was an ideology, fitting the totalitarian model. The dictatorship required and ideology to dwell on, and on which to misguide the people and into hating the Haitians. The Trujillo error molded antihaitinismo into a system that was to be loathed. It was depicted as having a very great difference with Dominican ways. This propaganda against Haiti was instilled into Dominicans for decades, around thirty-one years.It means that, some people were born among the Dominican people when the propaganda was still on and lived a great part of their lives under a dictatorship that instilled it into them.It created a nation that had fully embraced antihaitinismo. Such a generation becomes hard to modify their mindset or view towards

Changing an Outdated Policy Assignment Example | Topics and Well Written Essays - 1750 words

Changing an Outdated Policy - Assignment Example This policy stipulates that the tutor must be present during the actual class lesions .The tutor is required to teach, make presentations in class and to evaluate the students. The evaluation is always in either in the form of short questions answered within the class. This policy enables the tutor to get direct feedback from the students on whether the topic or the lecture has been understood. The students are also able to seek clarifications of unclear points. The policy makes the classroom teaching more interactive. The student gets the chance to reason out points among themselves in class. The interactions make learning more fun and interesting. Though this policy has its own advantages, it also has some disadvantages. It has low differentiation level. That is, it does not allow students to move at their own paces. It has lower student attendance and engagement. Once a student misses a lesson, catching up will be difficult hence reduced engagement in the class activities. The stu dent and the tutor will not be about the same topics. The current method that needs to be introduced by educators to make learning more productive is the flipped classroom. ... The flipped classroom has a lot of advantages over the traditional teaching method. It allows for greater differentiation since the students are able to move at their own paces. Improved student attendance and engagement since when the teacher will be present in class, he or she will be dealing with the assignments where everyone is required to participate. It facilitates more proactive interactions between the teachers and the students. This is because both the parties will be engaged in problem solving. The flipped classroom is student centered, more economical on the part of the administrators since it allows them to hire fewer teachers since the teachers do not spend a lot of time in class. Changing the Policy The first , ISLLC standard for school leaders states that a school administrator is an educational leader who promotes the success of all students by facilitating the development , articulation , implementation and stewardship of a vision of learning that is shared and supp orted by the school community. This means that a school administrator should always strive to bring changes that will improve the performance of the students. This includes updating of the out of date policies. The policy that the teacher or the tutor must be present during lesions is out of date and should be replaced by flipping classroom where the teacher’s presentations are recorded on video and the tutor only discusses the assignments the student in class. The selected policy to update or change will benefit the school in many ways. Firstly, it’s economical since the school will not be required to hire more teachers since the teachers will not be required to spend a lot of time in class. Secondly, the policy change will help to improve the grades in the

Selection of a Pessure Vessel Manufacturer Assignment

Selection of a Pessure Vessel Manufacturer - Assignment Example top contender somewhat a top contender both seemed good to Jack Tooles capability to meet specification and cleanliness requirement had some reservations had a few reservations both very neither completely capable ,neither did they lack the capability to meet Oceanic requirements equipment and machinary as per company perception new and up-to-date Considerable age, and not of large capacity, but adequate for the job. Also available for use in other places/subsidiary plants Clearly Atomic products were better of the two Factor Continued on next page >>>> Offering company Comment ATOMIC PRODUCTS NUCLEAR equipment and machinary as per Oceanics perception new and up-to-date not as adequate as Atomic Products'. cause for stated cost lower number of man hours required higher number of man hours required Hence Atomic products show a greater degree of efficiency self image of management,machinery,equipment and to meet TARGETS were firm on their abilities and believed they could make such a vessel or bigger relatively confident Both firms are relatively confident in there ability to meet the challenge work disruptions strikes several according to case Company was on a profit sharing plan. No union existed. Workers were at good terms with management. Clearly Nuclear vessels were better, because they would have little work disruptions. This implies that because worker and management interests in profits should result in the best of effort to make the vessel. Factor Continued on next page >>>> Offering company Comment ATOMIC PRODUCTS NUCLEAR staff and area to meet TARGET relatively sufficient One member each from supply, expediting, quality control, and scheduling was assigned to a task force headed by a project engineer. It was the... One member each from supply, expediting, quality control, and scheduling was assigned to a task force headed by a project engineer. It was the responsibility of this task force to follow the entire project through the shop and keep the project engineer informed on a day-to-day basis cost-plus-a-fixed-fee contract , Total price: Estimated cost $1,120,000,Fixed fee 112,000,Total $1,232,000,Costing rate: Estimated shop rate $24/hour,Shop overhead 180%,Material Cost + 10% handling charge Welding, machining, or testing for this work. However, forgings will be purchased from a competent supplier after he has satisfied the company's metallurgist that his forgings will meet , the specifications. Supply, Expediting, Quality Control, Production and other departments will each have one man assigned to follow this project from start to finish. Forms and records are available for your review. Our organization is familiar with Oceanics' requirements from knowledge gained as a result of previous work accomplished for your division. Atomic Products Company submitted a lower estimated price, guaranteed the equipment, was more suitably located, and would meet the required delivery date.

Riordan New System Proposal Essay Example for Free

Riordan New System Proposal Essay Riordan Manufacturing is a company that produces plastic from beverage containers to the automotive and aircraft industries. In order for Riordan to continue to be the leader in the polymer materials industries, they must improve there system. Finance and accounting is one of the areas to become more compatible with all of the locations that the company has. Data that is received at the main office is not complete, inacurrate and time consuming. In the finance and accounting department the lack of compatibility maks compliance with government regulations difficult. Labor ranging from processing papers and costly and labor in audits is part of the upgrade and integrated with a new software program. Sales and marketing has a need to increase their sales and strengthen their current customer base. CMS needs a new approach to increase sales and strengthen their customer base. Information for sales, major accounts, contracts, government accounts, and minor accounts of different customers. The stragety of using the internet will perform marketing campaign. This will help to increase sales and recognition for the company and also expand the company reach and increase profitability. Human Resources system is outdated and is not meeting expectations of the company. HR has a lack of security required for personal information and organizational confidentiality. Beginning with the upgrade of internal secutity of Riordan current system. HR goal is to combine benefits, administration, payroll, recruiting and training, and performance analysis. Creating a system that will minimize the cost per associate. Implementing a new system will avoid compromising and possible legal actions from happening. Riordan will need specialize sofware for their type of operation. A new software will allow them to operate worldwide. The software is SagePFW which will improve and capture all efficiency and merge complex manufacturing techniques. The integrating business systems and information technology will add efficiency, create a unified software system  with a corporate wide database and improve communications systems. Upgrading the company system will make a difference in the time spent completing paperwork and tasks. Making these changes will help to keep the Riordan on top of the plastic industry. Keeping track of their companies monies will be more accurate and fewer errors.

Life And Work Of George Gershwin Music Essay

Life And Work Of George Gershwin Music Essay The name of George Gershwin linked one of the most interesting periods of music history of the United States. One hundred years after his birth, George Gershwin is the most widely remembered of the songwriters who dominated African popular music between the end of World War I and the rise of rock-and-roll (Teachout 46). George Gershwin was an American composer and pianist. His parents were immigrants from Russia. He did not receive systematic music education and began to study to play the piano with the help of a famous music teacher Hambitzer in 14 years old. Then, already a famous author, he took lessons in composition and harmony. Since 1913 he worked as a pianist-accompanist at the music store and began to write songs in the style of I. Berlin (1888-1989) and D. Kern (1885-1945). Soon he achieved a success in musicals. Many of the songs from the musicals have become extremely popular with the crowds. The most popular musicals written by Gershwin are the following ones: Ladies, please, Funny Face, Crazy and many of his songs. The real fame came to Gershwin in 1924, after writing Rhapsody in blue for the piano and orchestra, performed by the author with the orchestra conducted by P. Whiteman. Thus, in this paper we are going to discuss and examine biographical information about this composer, to explore musical styles and forms which he is famous for, and to describe one of the major works of George Gershwin that is called Rhapsody in blue. Biographical information about George Gershwin Gershwin was born on September 26, 1898 in New Yorks block of Brooklyn. He was a son of Jewish immigrants from Russia. His father was a native of St. Petersburg. The real name of the famous composer was Jacob Gershowitz. Since childhood, absorbing jazz culture (they say, that Gershwinhas heard jazz music at age 6), he was a lover of jazz concerts. In 12 years old, George began to learn to play the piano himself. Much later, as a famous composer, Gershwin has never ceased to learn, and improve his technique. During these lessons, he became acquainted with unique American composers of those years Henry Cowell, Wallingford Constantine Rieggerand Russian Professor Joseph Schillinger (Joseph was famous for the fact that he approached to the process of composing music with a mathematical position, trying to develop a universal algorithm). In 1914, Gershwin began to play music professionally, working as an accompanist in the company of Jerome Remick. Two years later, the first authors work of George Gershwin was presented to the audience. Despite the fact that this work had not much success with the crowds, some well-known and famous Broadway producers and directors paid attention to a talented composer. For example, Sigmund Romberg happily included music of Gershwin in his operetta The Passing Show of 1916. In those years, Gershwin, playing the piano and mastering harmony and orchestration, earned extra money as a pianist in different restaurants. In 1918-1919, on Broadway there were a lot of works of Gershwin: Swanee entered the musical Sinbad and had a resounding success in the performance of Al Jolson. In 1919, a famous performance La, La Lucille was entirely based on the works of Gershwin. In 1920-1924, George Gershwin created several dozens of works for George Whites Scandals, and in 1922, he even wrote a real opera, which was named Blue Monday (also known as 135th Street). After the premiere, he was invited by Whiteman to a jazz band as a composer. George wrote especially for Whiteman a real pearl of his work Rhapsody in Blue. In 1924, Gershwin created his famous musical Lady, Be Good! that had much success and brought a composer the first wide popularity on Broadway. In this performance, Gershwin first worked with his brother Ira Gershwin, who wrote all the lyrics. The next decade, this creative union was one of the most productive and popular unions on Broadway. The most successful show was Of Thee I Sing, 1931.They r eceived the Pulitzer Prize, first awarded to a musical performance, for this show. The most extensive and ambitious work in the biography of George Gershwin was a folk opera Porgy and Bess, 1935, staged on the novel by Edwin DuBose Heyward, who took part in writing the libretto for that opera. According to Crawford, Gershwins Porgy and Bess (libretto by DuBose Heyward with help from Ira Gershwin)-the stage work that has come to at the Great American Opera tag (minus Kahns stenographers and subways) perhaps better than any other-opened in New York (697).In early 1937,Gershwin was diagnosed with symptoms of a brain tumor. Gershwin was placed in Leben-Clinic, where he died on July 11, 1937in Los Angeles without regaining consciousness after cancer surgery to remove a tumor. Musical styles and forms of Gershwins masterpieces The musical styles and forms of Gershwins works are well-known and can be characterized as dynamic contrast images, humor or satirical grotesque combinations of traditional African-American folk and jazz music with the principles of symphonism. The melodies of Gershwins songs are unique for their combinations of identity and almost complete dissolution of African-American melodies and harmonies. Sometimes, his music is influenced by cantorial singing, though the Jewish theme is virtually absent in his work. It is interesting to know that Gershwin not only composed and created light music. By 1919, he wrote a string quartet that was called Lullaby. This composition represented a very high-style opus, written in the genre of light blues, but it had a resemblance to elegant music of Mozart, Beethoven, Tchaikovsky. Gershwin joined the classic means with intonations of jazz in the opera music. All compositions and works that were written by Gershwin, permeated by a common idea to make music accessible to everyone, do not break away from everyday life, do not turn away from the sound arrogant streets, dancing, do not erect the adamantine walls between classical and popular music. This idea led George Gershwin to the creation of his works included in a music custom all over the world, which raised American music to the level of classics. Rhapsody in Blue Rhapsody in Blue is one of the most famous and successful works of George Gershwin. Rhapsody was first performed by the author on February 12, 1924 in New York, accompanied by the orchestra of Paul Wightman. This work was ordered by Wightman on January 5, 1923, as an experiment to create a new musical style that combines jazz and classical music. Initially, that product was called An American Rhapsody. The well-known name of this work was suggested by the composers brother Ira Gershwin, after visiting an art exhibition of James McNeill Whistler. Rhapsody in Blue became a masterpiece of classical music and jazz, and, in various interpretations, played by musicians in different fields of music. This composition that includes elements of jazz, the Negro folk music and light music are combined with a brilliant piano writing in the style of Franz Liszt and Sergei Rachmaninoff. This work was a kind of bridge between the so-called light and academic music. Rhapsody is one of the most freque ntly performed concertos for the piano and orchestra (along with the concerts by Bach, Mozart, Beethoven, Chopin, etc.) and the repertoire of the finest pianists in the world. Music is characterized by vivid signs of early American jazz: a syncopated rhythm, a sense of improvisation, etc. However, the development of the main themes goes on within the strict framework of sonata form, the author uses a classic orchestra, and solo piano reminds a romantic style of Liszt and Rachmaninoff. In this musical composition, the themes are based on the blues scale that consists of major and minor thirds and lowered sevenths. There are significant differences in presentation styles of each theme. The harmonic structure of this composition is difficult to express and analyze. One thing can be said that the piece of Rhapsody begins and consequently ends in B flat. Different contemporary styles and jazz are present in this masterpiece. The tempos of Rhapsody in Blue vary directly and widely. There is an extreme use of rubato in a lot of places throughout this composition. According to Howard, à ¢Ã¢â€š ¬Ã‚ ¦Rhapsody is irresistible still, with its syncopated rhythmic vibrancy, its abandoned, impudent flair that tells more about the roaring twenties than could a thousand words, and its genuine melodic beauty colored a deep, jazzy blue by the flatted sevenths and thirds that had their origins in the Negro slave songs (par. 3).In addition, Schiff stated that Rhapsody in Blue is an enduring monument to the love affair of Americans and people around the world with the African-American idiom that became the most influential language of twentieth-century music (3). Conclusion Taking the above-stated information into consideration, it is possible to draw a conclusion that George Gershwin was one of the most famous and talented American composers in the first half of the XX century. In his work, he has managed to combine seemingly incompatible phenomena: the European late romantic music, jazz and pop. The composers creative experience is unique and no one could repeat it exactly. However, a style found by Gershwin (a combination of different spheres of music), proved to be fruitful and prosperous for American culture and led to wonderful phenomena, such as musicals of Leonard Bernstein. Many critics noted that Gershwin mixed folk and classical music. However, it was a common thing for a lot of great composers. Music of ordinary people finds its place in symphonic music with the majestic compositions. Gershwins creativity is distinguished by a great emotional and original melodic, harmonic and rhythmic language, enriched with folk motifs of African-American songs. Harmony and characteristic rhythms of swing and jazz were influenced by the music of George Gershwin. Despite ingenious rhythms and beautiful lyrical melody, his music arises primarily from his own harmonic structure. After Gershwin, the development of jazz can be mostly attributed to the expansion and complication of harmony.

The concepts of microfinance and microcredit

The concepts of microfinance and microcredit Chapter 2.0: Literature Review Microfinance is the provision of financial services by certain institutions known as MFIs such as Cooperative Banks, Community Based-Saving Bank, Credit Unions, development bank to the poor, low income earners, self-employed and small businesses. Microfinance has been design to address issues of poverty to help those not having access to formal financial system.. According to MIX in June 2010 there was more than 1800 MFIs in over 100 countries, with 92.4 millions borrowers and 78.5 millions savers in the developing world. The concept of microfinance was created by Professor Muhammad Yunus founder of Grameen bank in Bangladesh. Microfinance includes a range of services such as microcredit, saving, insurance and funds transfer. Traditional banks do not provide facilities to low income earners; they provide services to people after assessing the profile of clients according to certain criteria such as pay, credit history and assets of the clients. According to Hernando De Soto (1989) a Peruvian economist poor people have no assets to provide as collateral to bank when taking a loan, therefore they are not liable to receive loans from banks. Since poor people do not have access to traditional banks they have to lend money with high interest rates from others sources such as pawnbroker and local money lender sometimes with 100% interest rate as borrowing from them is fast and flexible. Over the last 30 years MFIs have developed new methods with less collateral to offer small loans to low income earners and has grown rapidly in Asia, Africa, Eastern Europe and Latin America where there were few bank infrastructures and where in some cases more than 80 % of the population did not have a bank account. Grameen Bank and Banco Solidiario of Bolivia two popular have provided millions of loans to poor people and microentrepreneurs and and these has caused governments and NGOs to direct their resources to microfinance programmes. According to CGAP (2008), MFIs are funded by 33 donors of 21 investors such as DFI. Microfinance offers permanent financial facilities for education, health, personal emergencies, disasters, investment opportunities to the poor and it is used as a development tool. MFIs begin as non-profit organization increasingly they are now evolving as profit entities because MFIs are required to have a banking license for saving services. Some MFIs offers non- financial facilities such as health services and business development. In this review we will analyze and see how microfinance contributes to the economic development of a country and the review will be focused on creation of employment and the empowerment of women by microfinance. 2.1.1 Professor Muhammad Yunus The concept of microfinance was created by Professor Muhammad Yunus founder of Grameen bank in Bangladesh and noble price winner in 2006.He receives 76 other awards in different countries for his work. Yunus was awarded Americas highest civilian honor, the Medal of Freedom by President Barack H Obama for his contribution in poverty alleviation. Professor Yunus obtained a doctorate in Economics from Vanderbilt University found in Nashville, Tennessee in the United States. He stayed in the US for eight years as a student after his study as a professor in economics. In 1972 he came back to Bangladesh During the famine of 1974 in Bangladesh Professor Muhammad Yunus minor loans of USD27 to 42 poor families for them to buy and sell small articles to allow them to earn a living. The objective behind the loan was to reduce poverty in Bangladesh and poverty alleviation becomes his vision. Grameen bank was an idea generated by Professor Yunus the bank started as a project at the University of Chittagong as a pilot test to find different ways of providing credit to the poor in the rural area The Grameen bank offered its services to a village named Jobra near the university; the project was successful and had the support of Bangladesh central bank in 1979. The bank extends its services to Tangail district and to other areas of Bangladesh. In 1983 the Bangladesh Government turns the project into an independent bank and Professor Yunus had a grant from the Ford foundation to incorporate Grameen bank with the support of two bankers namely Mary Houghton and Ron Grzywinkski from Shore bank of Chicago. The Ford foundation was established in 1936 it is an independent nonprofit and nongovernmental organization which help in social change, the organization help to reduce poverty and help in human advancement worldwide by offering subsidies and loans to certain organizations. Microfinance is also being criticized for its high interest rate, loan repayment and women exploitation but we cannot criticized whole system if there are drawbacks, the whole system can be reviewed for improvement at the right time and places since no system is perfect 2.1.2 Grameen bank Grameen bank is a Nobel Prize winner corporation founded on 2 October,1983 and since then has been proliferated in more than 65 countries, its headquarter is situated in Dhaka in Bangladesh and the bank is the largest MFIs in the country. Grameen is known for its solidarity lending system or banking and is also known as banking to the poor. Solidarity lending is the foundation of microcredit. The word Grameen is derived means village in Bangladesh, the bank incorporates the 16 decisions which is recited by bank borrowers and which they shall abide to them. The 16 decisions comprises the four principles of Grameen bank which are Discipline, Courage, Unity, and Hard work, and the other 15 decisions are resumed as to improve their standard of living and there is the element of togetherness to do social activities to improve their way of living. These sixteen decisions have a positive impact on the inhabitants of Bangladesh where more children have joined school. The bank has different s ources of funding; initially huge capital was obtained from donor agency at low rates. During the 1990s the bank has its bulk of capital from the Central bank of Bangladesh and recently from the sales of bonds subsidized by its government. In 1998 The bank make loan to poor people in the form of microcredit as a result of flood in Bangladesh, the repayment rate decreases but recovered afterwards, USD4.7 billions has been loaned in 2005and USD6 billion in 2008. Nowadays the bank has expand more and offers more loans to the poor and in 2006 it has up to 2100 branches in Bangladesh. Due to Grameens success more than 40 countries including the United States in 2008 where 12.6% of the population live below the poverty line have been inspired by the bank to make projects with the same perspective, only Africa which has lag behind. The World Bank has financed the projects. The bank is owned by the poor borrowers of the bank of which the majority are women as the borrowers own 94% of the equity and the remaining 6% is owned by the Government of Bangladesh. The bank has grown to a large extent between 2003-2007 in 2003 the numbers of borrowers have doubled and in October 2007 the number of clients was 7.34 Million of which 97% were women and had a staff of 24703, in 2504 branches over 81574 villages that is the branches have spread in more villages since they were situated in only 43681 villages in 2003 and the repayment rate. Since the banks start ed to operate it has USD6.55 billions as loans USD87 billion has been repaid and the bank claim repayment rate of 98.35% up from the 95% of 1998 but again the Wall Street journal in 2001claim that it doubted the 95% and the accounting standard used by Grameen bank. Grameen started to diversify in the 1980 where it develops into a multi facet group with profit and nonprofit group among which are Grameen fisheries foundation for fisheries project, Grameen Agriculture Foundation for irrigation project, Grameen fund and Grameen Trust.Grameen believe that the concept of giving charity will encourage charity whereas the concept of microcredit will help poor people to exit poverty and the bank invest in children education by providing scholarships and loans for higher education.In 2009 the bank has disbursed total cumulative amount of loans of USD8741.86 and total loans during the year USD 1150.54millions with a total deposits of USD1200.49 millions with number of groups of 1253160 with 79 70616 members. There are organization which has been created all over the world inspired by GB such as Grameen foundation, Grameen Trust, Grameen America, grameen credit agricole among others. 2.1.3 Microfinance in developed countries Poor people who lack access to finance are also found in rich countries such as in Amecica. Grameen started in America in the late 1980s. Southern Bancorp under the tutelage of Grameen give microcredit to entrepreneurs in Arkansas but make 30% losses at the start, afterwards the bank found out that people needed help to develop their working skills. Grameen in the US mostly financed those who already have a job, people selling toys, cleaning houses not those who will start from nothing. The head quarter of Grameen Foundation is situated at Washington D.C in the US; it is a non-profit organization which helps to eradicate poverty. It was inspired by Grameen bank in Bangladesh, but it is an independent organization. Professor Yunus is a member of the board of directors and gave Grameen Foundation its first grant Grameen foundation finance MFIs. Grameen America has been created to provide microcredit to micro entrepreneurs. It was created in January 2008 and it is found in Manhattan and Professor Yunus is the chairman of the board. The organization is trying to become sustainable to help other people in need, according to the organization anyone with a vision can receive financial services irrespective of their background. The objective of the organization is to reduce poverty to create a better future for families. Grameen America helped the poor communities of the US especially immigrants. 2.1.4 Microcredit Theoretical review According to Boudreaux and Cowen (2008) microcredit is a micro magic and makes the life of the poor becomes easier, it is an alternative to traditional lending of banks. Instead of giving charity to the poor, microcredit is a human way of providing finance to poor people as according to the Chinese proverb Give a man a fish and you feed him for a day. Teach a man to fish and you feed him for a lifetime, it is an investment in human capital. Microcredit is an innovation in the world of finance it is at the heart of microfinance, the concept did not exist before the seventies, and it is a small loan rarely exceeding USD200 and usually below USD50 made to the poor or people with low income with little or no collateral. Microcredit clients are those that are considered as near the poverty line, the loans allow micro entrepreneurs to generate an income for a better standard of living. Grameen bank based itself on three Cs namely Character that is the reliability of the people the Capacity to handle funds and the Capital which is the assets of the borrower such as savings. Microcredit is gaining more credibility in the finance industry and many large organizations are developing microfinance programs for future growth although at the start many were pessimistic about the future of microcredit in the financial system. 50% of the population in many developing countries is self employed and these loans of three months to three years with small interest rates and no collateral help poor people to become financially independent and help to reduce poverty. The microcredit programs helps people to achieve high repayment rate even sometimes more than that of traditional banking because of the system of peer support. In the case of the Grameen bank where there are solidarity groups and it is also known as social capital and is composed of 5 members and each member is responsible for each other success and repayment, but are not guarantees or liable if members default. Neverth eless the members make sure that each one is taking its responsibility to make repayment this act as a motivating factor for the members. Sometimes in real life when a member of the group defaults the other four collaborates together and contribute to pay on behalf of the defaulting member. The microcredit system of Grameen bank is based on Trust and there is no conventional contract between the bank and the borrowers, but the borrowers must have a small account with the bank known as group fund which acts as an insurance in case of an emergency. Women account for 97% of the microcredit client of Grameen bank and this help to empower women as they get access to resources and have a say in decision making since they become micro entrepreneurs. Grameen bank has records of 98% repayment rate from women which is in contradiction with Wall street Journal which says that there is one fifth of the total loan of the bank is overdue but Grameen bank claims in turn that the standard of living of the poor has increased that is they are respecting the 16 decisions of the bank and are able to make a repayment of around 4USD per week. Empirical review of microcredit Grameen bank develop several program for the poor of which one of them is the struggling members program in 2003 which is different from the 5 group member borrowing it consists of distributing interest free loans to beggars in Bangladesh where the banking rules do not apply and where the repayment period is arbitrary for USD1.5 about 3.4 US cents and if they borrower default they are already covered under an insurance paid by the bank itself. This type of loan encouraged the beggars to generate an income by the sales of cheap items, there is a record shown in the microfinance summit 2006 that loans taken by beggars are about USD 833,150 and the repayment is USD 496,900 that is 59.64% repayment rate which according to me is quite encouraging since it is more half of the money loaned. Certain developed countries such as in Canada have try to used the Grameen model but the project has failed due to certain factors such as the risk profile of clients, no taste for joint liability that is the no solidarity between the borrowers, high overhead costs therefore the project does not stand without subsidies in Canada which is contrary to the USA where microcredit has been successful. Sometimes microcredit is subjected to problem such as opportunism and asymmetric information. The first Grameen branch has made a loan of $1.5 million in the USA among which was 600 women and the repayment was very high up to 99%. People took the loan to sell items such as flowers, jewelry clothes and Grameen bank remains unshaken while others collapsed during crisis. Despite the global recession, The President Barack Obama announced the creation of $100 million funds to lend as microcredit to the western hemisphere. Microcredit programmes should be well designed according to the characterist ics of a country, other factors such as the background of the country, the stability of the banking sector,the poverty level, the opportunities and the challenges. 2.1.5 Micro Saving Apart from microcredit the need of financial users is increasing, there is demand from 19 million potential savers to have access to micro saving services. They need services that are flexible and adapted to them. Traditionally savings is done by people at home or by normal banks at a high cost which was not encouraging to the poor. Microfinance has brought services such as savings to poor people. Savings help people to feel safer and more stable, and help poor people to manage their money conveniently. Micro saving consists of small deposits, terms and interest rate that is flexible to clients at the same time banks used the money to make loans to poor people. In some cases micro saving is better than taking small loans since taking a loan is a debt and it becomes a responsibility or a burden if the interest rate of the loan is too high, therefore microcredit is more risky than saving. Saving is an asset for people whereas a loan is a liability; clients will prefer to have assets th an liabilities. Saving is a sacrifice for poor people but it is flexible and they earn interest instead of paying interest which is a source of income. Saving is a must and can helped people in times of need of illness, fire, flood and unexpected events 2.1.6 Credit Insurance In 2002 opportunity organization started to give micro insurance services. Its subsidiary MicroEnsure was the first institution offering micro insurance services and provide protection against many risks for the poor. Stakeholders and local insurance worked in collaboration with MicroEnsure to develop and match the needs of the poor. The insurance provided were affordable, they offered agricultural, medical, property and life policy providing a safety net in case of disasters with average premium of USD 1.5 for family with 5members. Medical policies covered even people already suffering from diseases and even those suffering from HIV viruses. Actually MicroEnsure is offering insurance in 5 countries to over 1million poor people and was one of the runner-ups of financial times in June 5 for sustainability award and receives a grant from The Bill and Melinda Gates Foundation to expand itself in other countries. MicroEnsure operates in 9 countries and serve millions of people with credi t life, funeral, Health, Political violence, property , typhoon and weather index crop 2.1.7 Microcredit Summit The first microcredit summit was held at Washington D.C. on the 24 February 1997, 137 countries were present at the summit with 2900 participants. In the summit they launch a campaign to reach 100 million poorest families that is those people living below the poverty line, with those living with less than USD1.25 a day adjusted to the purchasing power parity (based on 2005 prices) all around the world within nine years especially to empower women as micro entrepreneurs. The objective was nearly achieved in 2005 and in November 2006 the campaign re-launched to 2015 with two new objectives was ensured that 175 millions poorest families especially women are obtaining credit for self employment and for business and financial services. The second objective is to ensure that 100 millions poorest familys worldwide increase to USD1 a day adjusted to the purchasing power parity from 1990 to 2015. The microcredit campaign is the project of the Educational fund from the USA an organization committed to end hunger and poverty around the world. The campaign group together people such as microcredit practitioners, donor agencies, international financial institutions, non -governmental organizations, advocates, and other people involved with microcredit for effective and efficient practices. In August 2008 the World Bank claim that approximately 280 million families live below the poverty line with less than USD1.25 daily. The four core themes of the summit are reaching the poorest, empowering women, building self sufficient and sustainable MFIs, ensuring that microfinance has a positive impact on the lives of the poor The forthcoming Microfinance Summit 2011 will be held in Valladolid, Spain, the summit is believed to improve the microfinance sector and to achieve the Millennium Development Goals. A hundred countries and over 2000 participants are expected in the summit. In the agenda there will be the presentation of new products, job creation with microfinance and best practices among other issues will addressed. 2.1.8 Poverty It has been proved that microfinance is the tool to help poor family moved out of poverty and to contribute to the economy of a country by increasing their income generating capacity. Studies have shown with the microcredit provided by Grameen bank in Bangladesh 48% of the families below the poverty line have exit from poverty. According to some studies with microcredit 5% of the poor could exit the poverty line each year as it is an investment in human capital and improve peoples life. Microcredit is an opportunity for the poor to realize their dreams. Microfinance is a strategic tool to trim down poverty and help the poor to participate in the social and economic life of a country. 2.1.8 Employment Generation Microcredit helps in the generation of employment; therefore it helps in economic development and in a sustainable means of income. With the microcredit poor people are able to earn a living by selling low priced items or to even expand their businesses at the same time they become sustainable and create employment for other people .Microfinance is a mean of creating employment and improving the life of poor people. 2.1.9 Women Empowerment Microfinance more specifically microcredit is an instrument used for the empowerment of women it increase social welfare and enhances gender equity. Microcredit helps women to become economic actors in power that is becoming self reliance and economically independent. We have heard a lot about the role of women in microfinance, 94% of the borrowers of Grameen bank are women and 97% of the borrowers are owners in the equity of the bank, according to Rankin (2002) the reason behind this is because women invest more in the family than men because of their nurturing instincts and are more devoted towards their families. Women play a crucial role in the economic growth of a country by first improving their family life, their communities and countries. In the microfinance summit provisions are made for the poorest families around but especially for women as they form an important part of microfinance. Women are targeted because they are the one in the family to up bring the children and po verty of the women results in illiteracy of their children and other social problems. Mohhamud Yunus (1999) explains that women are more willing to work harder to raise their children and to move their families out of poverty, whereas when a destitute father earns an income his priorities will more around himself than for his family. In 2005 Kofi Anan promote the year as the UN microfinance year for empowerment of women. Studies have shown that women are good income earner and that women have a high repayment rate this is because solidarity group or social capital replaces securities required by traditional banks thus creating better credit worthiness. In Nepal with the Women empowerment program 68 % of the women are able to cater for the needs of the family by sending their children to school, buying and selling properties which normally was the duty of the husband. Access to microcredit has increase from 7.6 million in 1997 to 26.8 million in 2001 among which are 21 million women the access to loans enabled them to make economic decisions , to buy assets and resources and to become more independent. Social capital forms an integral part of empowerment of women and they work collectively for mutual welfare. According to Coleman (1988) social capital is an asset in the form of human relationship by the sharing of knowledge and resources within a group and World Bank (2009) define social work as a model of collective actions that create quality and quantity social interactions. Social capital helps women to feel united build trust, motivates them to work together to achieve in life. Women empowerment leads to self esteem, motivation, self empowerment, higher knowledge, good leadership, higher collective action, better decision making and ultimately better social position. Women empowerment also helps to fight violence against women. Although violence against women occurred in all social class but women living in poverty are more prone to domestic IPV and domest ic violence, but can at the same time increase the risks since in some cases empowering women is challenging the gender norms Benefits cannot be assumed in all contexts since empowerment is complex and depends on situation. There is also the problem of moral hazard since when women have access to the credit for a given purpose and they are using the money for other purposes. We will look at two among many microcredit stories of women the first one is that of Janet Deval from Haiti who was an illiterate women with a hearing problem she had five children, her husband refused to pay the school fees but she knew that education was important for the children. Janet sold goods in Hinche and pay for her children schools on her own. She started to take literacy classes at Fonkoze a microcredit institution in Haiti. Afterwards Janet knew how to write her name and could things that she couldnt do before since she was never sent to school. Later she took a loan from Fonkoze to be able to expand her business at the market to be able to continue to send her children to school, without the microfinance institution Janet would have been unable to read and write and to even expand her business therefore she would have been able to educate her children. The second case is that of Anastacia Abella from the Philippines, she lived as a squatter in Manila, she lived with her four children in a shelter made from scrap, the village have frequent blackout therefore she decided to search for jar in the garbage to make lamps, after decorating the lamps, she sell 150 of them each day and make a small profit. She took a loan at Opportunity international and she was to make 300 lamps a day, the loan allows her to make greater profit and be able to improve her standard of living. Empirical review Social capital is an important component of microcredit it is used as a tool in development programmes. Social A study was carried out by Forbes Marshall Co .Ltd a well known company in Pune, India as an initiative of CSR about the impact of social capital on social empowerment carried using primary data from 217 women all members of SHG by using random sampling from 60 SHG among which 34% came from lower social class and the rest middle lower class with average family members of 5 and the average age of the women was 30 years old. The number of years of association is 1-7 years. Data reveals that most of them entered a group for the first time and that most of them were aware of the SHG by existing members. The SHG met frequently for interactions.15 variables such as Access for awareness building and capacity building which was further divided into Access to education and training, access to loan and girls education were used using Likert scale to know the perceptions of women about the microfinance programs. To see the effectiveness of the microfinance programmes by the indicators more, sensitivity was used as the SHG were divided into 3 categories of less than 1year,1-3 years and more than 3years. The conclusion of the study was that the social capital created help in women empowerment the older the association the higher the social empowerment and the higher the awareness, the unity and decision making process, but the organization must give appropriate support and policies to the social capital such as capacity building programmes to help decision making. Microfinance programmes make use of physical resources and social capital for sustainable development and economic growth. Social capital should not be the only factor that helps in the empowerment of women; there must be a good policy and objectives behind the social group. Other tools such as experiments, interviews and other types of surveys or a combination can be used to assess the impact of social capital in microfinance programmes for the empowerment of women. In the study above 15 indicators have used to assess social capital but there be other indicators that can be assessed such as communication, trust among others. IMAGE studied the impact on womens empowerment on IPV in South Africa by using random cluster and qualitative data. A microfinance program and training were provided on gender norms, sexuality, HIV and domestic violence.9 indicators of which self confidence, financial confidence, and power to make decisions were used to measure women empowerment. Results about changes in the loan groups were collected and the results were that after 2 years womens empowerment reduced sexual violence by more than half. With adjusted risk ratio= 0.45; 95% confidence interval = 0.23, 0.91 It was observed that the 9 indicators improved and the study showed that women empowerment reduce IPV. 2.2.0 Sustainability of Microfinance Sustainability of MFI does refer to the profit making or the institution being able to sustain itself without the donors or funders. Sometimes to become sustainable MFIs lower their cost and increase their interest rate. According to Rahman (1999) the IR of loan from Grameen has been higher than that of traditional bank rate in Bangladesh. The increase in interest rate may sometimes hinder repayment, the increase should not be too high so that microfinance may serve its purpose. According to UNDP (2003) among the 147 MFIs reporting in the microfinance bulletin 62 are sustainable financially. Chapter 3.0 Microfinance in Mauritius Mauritius is a bank-based economy, there are 19 banks serving the country among which 5 are offshore banks, these commercial banks do not provide microfinance services but the banking sector is stable in Mauritius and therefore important since microfinance is the by-product of the banking system. Microfinance has emerged recently in the country and actually there is only DBM established in 1964, a state-owned bank which operates in the microfinance sector and other sectors of the economy. The head office is found in Port-Louis and 5 other branches among which one in Rodrigues. The DBM serves as a catalyst in the socio-development in Mauritius, the supply of microfinance in Mauritius is quite limited in terms of range of services and the number of people served as DBM provides only Microcredit to its clients since December 2006. Microfinance is used as a tool to fight agaisnt poverty, in Mauritius the poverty line is for a household income not exceeding Rs6000 monthly that is those in the vulnerable group. There are 3 types of microcredit loan scheme that are offered to clients the first one is the Booster microcredit loan for women entrepreneur in sectors such as finance, manufacturing sectors, agricultural, agri business, handicraft, Tourism, ICT and the services sector .Women entrepreneurs loaned by DBM must be registered with NWEC, SEHDA,AREU, IVTB or the Tourism Authority. The loan amount is Rs 100,000 with 9% IR with repayment rates of 5 years and moratorium period of up to 1 year. Normally when taking microcredit no collateral are needed but in this case promissory notes are required as security. Women which are eligible are laid off women workers in EPZ and sugar industry, those in existing business, small women entrepreneurs. Microcredit financing scheme offered to vulnerable groups and are microentrepreneurs with a maximum loan of Rs50000 and 5% IR/per annum and repayment period of 4years and 6 months moratorium and as security floating charge. Booster scheme for small entrepreneur for entrepreneurs to finance a category of activities such as kindergartens, e-commerce, ICT among others, with a maximum of Rs1500000 with a repayment period of 5years, moratorium of 1 year and 9% IR p.a and a limited number of clients are served. Microfinance in Mauritius is in an infancy stage since the financial facility offered is only limited to microcredit and only 3 types of loan are provided to clients and many people may not be aware of these services since they are new in the financial sectors.