The power of play: learning what comes naturally Essay

Depth research has been carried out on the correlation between play and its positive benefits on early childhood learning, growth and development. It has been established that there is a positive connection between creative language and play and the social development of a child. Play has emotional benefits on a child such as enjoyment, relaxation, fun, love of life, tension reduction and self expression. Developmental benefits of play include cognitive development where imagination, creativity, problem solving, mastery of concepts and perspective taking improves. Socially the child grows which can be seen through co-operation, sharing, turn-taking, conflict resolution and leadership skills development. The language of the kid also develops that is in terms of communication skills, vocabulary and narration. This paper goes further to illustrate how play affects learning. ( p.66-67) In our case we will have a sharp in-depth look at two chapters, the first one being; Authoring books, plays and identities in writing workshops. Key practice: Approximated writing. The second chapter we shall look at is the discourse of creative expression. The first chapter mostly handles introduction to writing to kids where they are taken through a workshop where they mainly engaged in writing. The climax of it is when the kid finally authors a book and has a chance to sit on the authors chair and read the book to the class and to be admired and questioned at the end of the writing workshop. The rationale behind choosing this chapter on developing writing is that written communication is a very key skill communication skill and anyone should care being an expert in communicating really well through writing. It is thus a privilege and great pleasure learning how a kid or an individual at large develops this skill and also to reflect and see how probably we did begin at it or ought to begin at. Approximated writing is the key arguments in this chapter which symbolizes or represents a range of ways in which children can deliberate within their inner self between their personally invented forms of language understanding and the culturally determined rules for language. Approximated writing is close to the real writing language which embraces errors, incorrect spellings. It is used by children to formulate meaningful messages through their use of their emerging mastery of the language. The kids initiated their own writing projects and as they wrote they designed and illustrated images and prints for puppet plays, pages for kids-printed books, cards to relatives and friends, storyboards and journals. Graphophonic conventions such as using alphabetic symbols like â€Å"tuk† to represent the word took, putting bigger spaces between words, placing marks on words and organizing them in a pattern. Authoring in the workshop happened when the kids wrote, drew, told and dramatiz ed the texts they had written down. Finally in regard to authoring the kids connected texts for the kids-produced books that they presented to the others through reading aloud from the author`s chair or even short plays that were acted for the class and videotaped. A number of realizations came from these workshops or activity that was centred on kids literacy. The first one being that children are capable writers who are able to actively create and co-create meaning and such activities can be very instrumental in bringing out their literacy proficiency this is so because it is in such that they are challenged to explore all genres of written communication and also get a chance to freely air their ideas through their conversations and writings. The idea of getting a chance to sit on the author`s chair, present the book to the class, to be questioned and admired at the end of the writing workshop motivated the kids to really come up with a well-illustrated book. The methodology used in this chapter or writing workshop to teach the children how to write is something really great and enjoyable both for them and their instructor As a wrap up I can comfortably state that it is a matter of fact that children learn through play and exposure to plays enable them to develop their intellectual, social and emotional skills. Plays should thus be a part and parcel of a child`s life so that the child may grow and develop holistically failure to which the development of the child will be hindered. References Brock, A. (2009). Perspectives on play: learning for life. Harlow, England: Pearson/Longman. Elkind, D. (2009). The power of play: learning what comes naturally. Cambridge, Mass.: Da Capo Lifelong ;. Gordon, I. J., Guinagh, B., & Jester, R. E. (2009). Child learning through child play; learning activities for two and three year olds. New York: St. Martin’s Press. Marzollo, J., & Lloyd, J. (2011). Learning through play ([1st ed.). New York: Harper & Row. Silberg, J. (2009). Learning games: exploring the senses through play. Beltsville, Md.: Gryphon House. Tizard, B., & Hughes, M. (2010). Young children learning (2nd ed.). Malden, MA: Blackwell Pub.. Tizard, B., & Hughes, M. (2010). Young children learning (2nd ed.). Malden, MA: Blackwell Pub.. Wood, E. (2013). Play, learning and the early childhood curriculum (3rd ed.). London: SAGE. Source document

Alcoholism & Culturally

Alcoholism can be defined in accordance to three distinct dimensions. Culturally, alcoholism is defined as a form of deviant drinking behavior that falls outside what culture perceives as the acceptable limits of alcohol consumption. This means that in some societies alcoholic behavior may be viewed as normative as opposed to cultural; perceptions in another society. Behaviorally, alcoholism assumes definitions that distinct between alcohol use, misuse and abuse. In this context alcohol misuse denotes the expression of adverse consequences of alcohol use.Alcohol abuse is definitive of a pattern of chronic and excessive alcohol consumption the effects of which express themselves as adverse physical, social and or behavioral consequences. Physiologically, alcoholism is defined with respect to alcohol addiction, habituation or dependence. Despite this diversity of definitions only the medical definition of alcoholism offers a succinct distinction as it relies on both the behavioral and physiologically based definitions(Steinglass, 31).Alcoholism can thus be defined as an addictive dependency on alcohol induced craving accompanied by loss of control, complete physical dependence on alcohol and withdrawal symptoms Medically therefore alcoholism is understood to be a product of alcohol abuse and alcohol dependence. Alcoholism is caused by grossly intricate, complex, interconnected and interrelated psychological, physiological, social and genetic factors (Kansal & Kamal 1). Usually a variety of factors lead to the development of alcoholism.Social factors include the influence of friends, peers, family, the availability of alcohol, and the perceptions of the society. Psychological factors include inadequate coping mechanisms, elevated stress levels, and reinforcement of the use of alcohol from other drinkers. There is also a growing controversy over evidences that alcoholism may be caused by biologic and genetic predispositions (Powell 24). Recent genetic studies have confirmed that when D2 dopamine receptor gene is passed on from the parents to the siblings in a specific form, chances of developing alcoholism are enhanced.Alcohol addiction or rather physical dependence on alcohol follows a gradual drinking pattern. With every pint of alcohol consumed the balance of chemicals in the brain like gamma aminobutyric acid which is responsible for the inhibition of impulsiveness, and another neurochemical glutamate which is responsible for nervous system excitation, are altered. Alcohol raises dopamine levels in the brain hence creating the pleasurable feeling that is usually associated with alcohol consumption. With time, excessive alcohol consumption depletes or increases the levels of such neurochemicals.The resultant effect is that a level of craving is created where an individual will have to additively consume alcohol to restore good feelings or degenerate into withdrawal symptoms. Based on studies comparing the size of amygdala, researchers have been able to significantly correlate the size of amygdala and the addiction process. Because the size of amygdala is inherited and that it is home to neurotransmitters, it may contain the link between alcoholism and psychological predisposing factors such as stress and anxiety.It is also postulated that inheritance of a dysfunction in serotonin transmission my be to blame for the degree of alcohol tolerance. Since serotonin is involved in well being behaviors such as eating, relaxing, sleeping as well as aggressive and impulsive behaviors any dysfunction in its transmission is bound to predispose an individual to alcoholism. Factors that contribute to the addiction process can be sub categorized as; genetic factors, emotional state factors, physiological factors, and socio-cultural factors. Genetic factors may cause an individual to develop a degree of vulnerability.This vulnerability is caused by an imbalance in neurochemicals. Emotional state factors can either be stress, emotion al pain or anxiety. These factors predispose a one to engage in alcohol consumption as a means of blanketing out undesirable emotions. Some hormones that are responsible for the development of stress, anxiety and depression have also been incriminated in the progression to alcoholism. Socio-cultural factors play a very important role in the development of alcoholism. Some cultures perceive alcohol as a rite of adulthood or manliness.In such culture the media has been instrumental in glamorizing the consumption of alcohol through catchy phrasals and visuals. Such adverts which are obviously aimed at increasing the profitability of the sponsor mislead a huge chunk of the general populace in thinking that excessive alcohol consumption is the modernized version of entertainment. Alcoholism is a medical condition and as such it is expressed as symptomatic progressive disease. This disease is predominantly diagnosed through adverse effects and behaviors. The adverse effects are based on f unctioning.Two basic diagnostic criteria are used. Usually alcohol abuse or alcoholism is related with a broad range of psychiatric, medical, social, legal, economic, occupational and family problems. So many of these symptoms are related to the descriptive of stage of dependency. Early signs of the disease include; frequent pursuit of intoxication which progresses into a well established heavy drinking pattern. During these circumstances an individual may blackout, experienced a drastic change in demeanor while consuming alcohol and exhibit impulsive behaviors such as anger and unaccustomed violence.Other symptoms include; drunken driving, absence from work, shirking of responsibilities and basically having trouble with the law. In the absence of alcohol dependence acute intoxication can be fatal or cause mental damage. Another symptom is family problems. In most cases individuals suffering from alcoholism may be characterized by divorce, child abuse and neglect, spouse abuse, crim inal behaviors and welfare dependence. The problem is even more worsened if the alcoholics themselves strive to conceal and develop a culture of denial even though they can discern the cause of family problems.Fro this reason thousands of people suffering from alcoholism pass unrecognized by health professionals. Medically symptoms may be expressed in the form of alcoholism related diseases such as gastritis, pancreatitis, cirrhosis, neuropathy, cerebral atrophy, Wernicke's encephalopathy, alcoholic cardiomyopathy, Korsakoff's dementia, seizures, central pontine myelinolysis, confusion, hallucinations, peptic ulcers, malnutrition and gastrointestinal bleeding (www. mayoclinic. com). A second basic diagnostic criterion relies on the family history of alcoholism.When children from families without any history of . alcoholism are compared with those from families with a history of alcoholism, it is easy to demonstrate the fact that children of alcoholics are at an elevated risk of alco hol abuse, misuse and alcoholism. Moreover, history of alcoholism may also predispose the younger children to other forms of drug abuse, anxiety disorders, conduct problems and a host of psychiatric disorders. All these are predisposing risk factors. Just like any disease, alcoholism can also be mitigated by a set of medical and non medical interventions.Depending on various circumstances, the treatment program may encompass, an evaluation followed by a brief intervention. After this brief intervention the patient will be undertaken though an outpatient program and counseling or in other cases a residential inpatient stays (www. mayoclinic. com). Evaluation is mainly involves the determination of the level of dependence. Residential treatment programs carry out strategies like abstinence, alcoholism support groups (such as alcoholics anonymous), individual therapy and or group therapy, activity therapy, family involvement, educational lectures and in depth counseling programs.Medica l interventions mainly include the treatment and management of the alcohol related diseases and disorders. Works Cited Alcoholism. http://www. mayoclinic. com/health/alcoholism Kansal, Kamal & Kamal, Kansal. (2004). Homoeopathic Family Kit. B. Jain Publishers, p. 1-5 Powell. (2005). Alcohol. Black Rabbit Books, p. 24-25 Steinglass, Peter. (1988). The Alcoholic Family: Drinking Problems in a Family Context Taylor & Francis, p. 30-40

Guided Reading Essay

What is the typical organization of an argument essay? An introduction that states the issue then an objective summary of the opposing views followed by a point-by-point discussion of their limitations. Then a summary of your viewpoint with a point-by-point discussion that strengthens your position, and then lastly a conclusion. What are points of contention and how do you identify them? The points of contention are the two to five most important issues on which you disagree with the other side. The best way to figure these out is brainstorming, try to see things from their perspective. Why is it important to know the stance of your opposition? You need to know what you are trying to argue so you can identify your strengths and weaknesses of your position and to be able to build your case against the opposing viewpoints. What is the difference between argument and research writing? An argumentative essay is more subjective and usually controversial where you are trying to prove that one side is better than the other. A research paper is presenting facts about a topic. Chapter 24 What is a good way to start the research process? Define your research question, develop a working thesis, devise a research plan, collect sources, assess the reliability of each source, triangulate facts among the sources, determine whether facts verify working thesis, and lastly either accept or modify working thesis. Why is it important to have a sharp research question? It will help you narrow the scope of your research thus saving you time and effort by allowing you to target the best of sources and information. What is a working thesis? How is this used in research? Defining your research question or hypothesis. It is your best guess about how you will answer your research question, it is your overall claim about  your topic. What are the key elements of a research plan? Why is it necessary for researchers to have a research plan? Research question, working thesis, results of start-up research, description of electronic, online, print, and empirical sources available, schedule of conducting and completing the research, and a bibliography are key elements of a research plan. Having a research plan helps to better target sources and the streamline your research. When conducting research where should writers go for reliable information? Surf the Internet, look through online encyclopedias, and browse your library’s catalog. How do writers know whether a source is credible? Use the Internet to search for the backgrounds and expertise of the author and publisher to make sure they are trustworthy. If you find questionable credentials or reputations use something more reliable instead. What is bias and how can researchers overcome it? Putting your own ideas and opinions into your research where it seems like you want the information to be true rather than right. If you know what your biases are then you can use them to gain a richer understanding of your topic. How do researchers determine whether a resource is up to date? Depending on your topic and how quickly information in that field becomes obsolete. Medical information is usually outdated in a few years where something like geology doesn’t really change so decade’s old info can be used. List three steps for setting up a research schedule. List all the tasks you need to complete, set a deadline for finishing your research, drafting, designing, and revising, then work backwards form your research deadline on which task needs to be completed. What are some reasons why a researcher would have to modify his or her research plan? Roadblocks to research, ideas, and information that changes your research question or working thesis.

Should Parents Send their Children to Private School If They Can Essay

Should Parents Send their Children to Private School If They Can Afford It - Essay Example This essay declares that private schools exist for different purposes, but the intrinsic and core characteristic of all private schools is the need to offer more than what is offered and available in public schools. Private schools offer learning curricula is specific and tailor made to suit the needs of their children as prescribed by their parents. Examples of private schools include convents, military schools and other learning institutions that share the similar characteristics with public schools. The only difference and distinguishing feature is the funding and curricula aspect of these two school systems. Public schools are considered ideal and fundamental approaches towards achieving social progress and reform. This paper makes a conclusion that public schools have been touted for providing a well-rounded education characterized by learning from both the academic and social context. This is attributed to the fact that public schools do not have selection criteria for whom they enroll as long an individual enrolls. The cultural, racial, class and deposition diversity in public provides a healthy environment for students to learn other social life skills that are not learnt in classrooms or close knit groups or private schools. Public schools offer an ethnic, cultural and socioeconomic environment that is a representative of the society that students will have to live in and experience. Thus, this setting is ideal for imparting and exposing students to their real world situation from a tender age where they are able to develop ‘people skills’. ... Examples of private schools include convents, military schools and other learning institutions that share the similar characteristics with public schools. The only difference and distinguishing feature is the funding and curricula aspect of these two school systems. Public schools are considered ideal and fundamental approaches towards achieving social progress and reform (Caldwell 2011, 95). Public schools offer a compact and non-discriminatory education irrespective of students’ socioeconomic background, tradition or culture. Public schools have been touted for providing a well-rounded education characterized by learning from both the academic and social context. This is attributed to the fact that public schools do not have selection criteria for whom they enroll as long an individual enrolls. The cultural, racial, class and deposition diversity in public provides a healthy environment for students to learn other social life skills that are not learnt in classrooms or close knit groups or private schools. Public schools offer an ethnic, cultural and socioeconomic environment that is a representative of the society that students will have to live in and experience. Thus, this setting is ideal for imparting and exposing students to their real world situation from a tender age where they are able to develop ‘people skills’. These ‘people skills’ are essential for someone to be able to effectively cope with the diversities present out there in the real world. Public schools generally have students with a range of abilities and disabilities. As with ethnic, cultural, and socioeconomic backgrounds, the diversity introduces students to the communication issues and interpersonal issues that rubbing elbows with people who

US Criminal Justice System and Deal with Justice Essay

US Criminal Justice System and Deal with Justice - Essay Example From the theological, and namely Christian point of view, the origin of this problem backs to the beginning of the times, when the first people, Adam and Eve, controlled by the God, did not manage to resist the temptation of the Devil and ate the prohibited fruit. They were deprived of the supreme goods and were exiled from the paradise and went on mortal life on the Earth. This problem is explained by the fact that the thing causing this punishment was not the God’s being angry with them because they violated His prohibition, but the matter of the human choice – they did their choice consciously, and this was their responsibility. No one made them do so, though the devil influenced them, but it is logical that the person decides upon a certain choice on his or her own. Many people, particularly nowadays, consider that the world is unfair and the God does not just things when, for example, a child is born with heavy disease or a human being is killed by another human. à ¢â‚¬Å"The teaching on original sin says that this situation is the result of human choices, not God’s desire.† (Smith, Burr, 2007, 92). It is also necessary to mention that it is not our blame that we are born into the world which has laws, habitual ways of acting and institutions which are not flawless and provide not complete education and development to us, but we are responsible for the change of this state of affairs. This is possible when we realize that the God has granted us with the power to firstly change ourselves, and then – the surrounding world. (Smith, Burr, 2007, 93).

UK laser printer market analysis Essay Example | Topics and Well Written Essays - 500 words

UK laser printer market analysis - Essay Example This paper analyses the UK’s laser printing industry trends in recent times. HP is the major player in the UK laser printing industry with a market share of 39% in 2011, followed by Canon 19%, Epson 12% and Samsung 5% (Doidge, 2011). Even though Samsung’s market share is the lowest, statistics show that the growth rate of Samsung in UK laser industry is more than that of other companies. HP, Canon and Epson have suffered major setbacks in recent times while Samsung was able to maintain steady progress. The printing industry trends in UK are fluctuating rapidly in recent times. Fleur Doidge (2011) pointed out that â€Å"UK printer sales slid 15 per cent in unit terms during the second quarter of 2011, compared with the same period a year ago – with lasers the only segment to post growth†. Inkjet sales in the UK have been decreased substantially in 2011. Inkjet printer industry has lost 17 per cent market share by volume in 2011 (Doidge 2011) even though this loss was lesser compared to the loss suffered by other printing industry. In other words, laser printing industry was the only printing industry that was able to grow in 2011. However, the trend has been changed in 2012. In 2012, the inkjet printing industry in the UK has grown by 12.1% whereas the laser printer sales have only slightly increased, but overall inkjet sales have gone up a full 15%. (The European Printer Market Is Growing, 2012). The arrival of touchscreen mobile devices helped the printing industry in the UK to grow substantially in 2012. It should be noted that touchscreen mobile devices are mostly used by teenagers who are interested in using cheap printing machineries. Since laser printers are expensive than inkjet printers, teenagers usually prefer inkjet printers rather than laser printers. That is why the inkjet printing industry has grown more than laser printing industry in 2012 in the UK. Sam

Should college athletes be paid Research Paper Example | Topics and Well Written Essays - 2500 words

Should college athletes be paid - Research Paper Example The paper tells that since a long time, college athletes have been working with their hearts and souls day after day and year after year for the appreciation and name of their universities. The athletes are bringing huge money in their universities by their outstanding performances, television contracts and other deals. People, who are intrinsically motivated, possess the love for their work and they do not depend on any extrinsic reward for showing good performance. One can easily put athletes in this category. However, taking wrong advantage of this intrinsic motivation is common in most of the universities and colleges in the world. The people running these universities assume that provision of education in exchange of their phenomenal performance in sports is enough but this scholarship is not enough for those who give up their freedom and blood for a one-hour game. Apart from scholarship, they get nothing for their perseverance and struggle. If one goes in depth of this issue, o ne comes to know that athletes are responsible for running a huge business for the colleges and universities. Athletes play the same role for colleges as employees for organizations. One would hardly find any organization, which pays nothing to its employees who bring in a lot of business. Many people argue that it is more than enough if they get scholarship in exchange of their games and practice but the question arises, that can they survive on the scholarship money wholly. Scholarship money includes their college fee, tuition fee, and cost of books but what would they do for their food, entertainment, phone bills, laundry, and many other activities. Had they not been playing for the colleges they would do part time jobs and earn their livings but athletes require a huge time for practice without which they cannot give good performance and get scholarship from college. Scholarship is not just enough for what they give to their colleges. This is causing many athletes leave their co lleges without completing their education and getting into professional sports. Many colleges give bonuses to its teachers and scholars out of the money, which actually comes in because of undying energy and struggle of college athletes. Chris Weber is one of the athletes of University of Michigan; he had to struggle for money to watch a movie on the other hand the university bookshop was selling his uniform jersey for $50. College athlete must receive some sort of payment from the colleges they join or from the NCAA itself. Colleges should treat athletes as humans as they treat every other student. By not considering them the major reason of earning money and refusing to pay, the NCAA and its executives want the athletes to live a life which normal human beings cannot live. Normal humans want return of their efforts and NCCA is not giving this return. Some or other way NCCA itself is putting the college athletes at a disadvantage to not finish their college education and ruin their careers. Many people say that system is fine the way it is and there is no need of paying college athletes but they would understand the scenario only if they were at the place of these unfortunate athletes. One of the clearest examples of exploitation of college athletes is that of NCCA, which signed a contract of one billion dollar with CBS giving them right to broadcast all NCCA basketball tournament games played by their college athletes. Moreover, â€Å"NCAA has a multimillion-dollar yearly budget and it earns over $20,000,000 a year in television contracts† Murphy and Pace, n.p.). Concerning this, Hunter R. Rawlings III, president of the University of

The Problem of Moral Judgment Essay Example | Topics and Well Written Essays - 1000 words

The Problem of Moral Judgment - Essay Example It is reality beyond suspicion that every political establishment and social set up observes some specific code of law that permits or prohibits the actions of the people, violation of which declares the law breakers as offenders and punishment and penalties are inflicted upon them. Nevertheless, moral values maintain imperative worth everywhere in the world and no society can do away without moral values altogether. Consequently, moral judgment has been debatable subject for theorists, scholars, intellectuals and philosophers since ever. The theorists are in conflict regarding the evaluation of moral judgment. One group of the scholars, led by Sir Bertrand Russell, views moral judgment as entirely the outcome of one’s personal opinion about the goodness or evil of an action i.e. subjectivism, while the other school of thought, led by Blanchard, views moral judgment to be based on objectivism, where it is estimated on the foundation of universal morality and truthfulness, and thus it has no relation with the personal yardstick to measure whether an act or intention is virtue and right or vice and wrong. Hence, conflict of opinion makes moral judgment a problem to be solved in an intellectual manner. Renowned philosopher Ewing is an arch supporter of the idea of objectivism. He is of the opinion that a person cannot be wrong in making statement regarding moral judgment, and thus his views are valid and accurate that must be accepted to be true and apposite one. Moral judgment is a complex phenomenon; consequently it cannot be made by everyone without analyzing the available facts and figures. On the contrary, scholars and intellectuals endorse their statements to accept or reject its validity. No Continuity/Unity to Subjective Agreements: Ewing has explained his argument in six points in favor of the opinion he has made while defining moral judgment, where he submits to state that it seldom occurs in real life while

How the idea of family has changed Essay Example | Topics and Well Written Essays - 750 words

How the idea of family has changed - Essay Example These factors have made the reliance on a single source of income a progressively more risky approach for family sustenance. Consequently, encouraging public policies on informal care of the ageing population by family members replaces traditional community responsibility on caring for the aged (Lewis & Lewis, 1996). Personally, these changes in the family concept have made me to develop a broader outlook on how present-day families function. Even though women maintain the majority of work in family care, changes have emerged in the readiness of men to adjust work for family and family participation, especially amongst young generations. The overall social workforce now comprises of men and women with the obligation for caring and economically supporting families while seeking a balance between their private life and social work. On the other hand, globalization and technological development have produced changes in employing organizations and the nature of social work. Hence, there exist unclear limits between work and leisure time. Moreover, developments in technology have eradicated the need for several routine jobs. The choices of where and when to work have become more practical as a result of technology such as mobile phone and computer. In this regard, work spills over and intrudes into private or family time. Similarly, employing organizations have reduced their workforce size while empowering teams or individual employees to become more accountable, autonomous and responsible. It would be evident that restructuring may make available opportunities for more flexibility in enabling employees to manage their leisure and work life. From this viewpoint, changes in the family have traditional assumptions have become more obsolete in relation to the distinction between family and work. Subsequently, the concept of a working mother enlightens social policy on the realities of current family life diversity. Nevertheless, the

Synopsis of Tort Case Study Example | Topics and Well Written Essays - 250 words

Synopsis of Tort - Case Study Example Conversely, Daniel could seek damages from Malik for spilling the beer on his son because that got him fired. This might not have standing because his boss might decide not to fire him later when he learns of the true circumstances of the events. Daniel could also seek damages from the concession own due to the negligence of the employee; he went into diabetic coma. He ordered diet and got regular. It was a reasonable expectation to get what he wanted, the employee then acted negligently. In the employee’s defense the concession owner could say that the scene was so distracting that the mistake was not negligent and that ultimately Malik should be held responsible having spilled the beer in the first place. Finally, Malik being shot would not amount to a tortuous claim against Daniel. Daniel acted in self-defense against a perceived threat. Malik’s decision to confront Daniel with a gun was not a reasonable response to being shoved. Daniel would probably

Contextual analysis Essay Example | Topics and Well Written Essays - 1750 words

Contextual analysis - Essay Example In other words, the film investigated how fast the public can be changed from a democratic ideological society to a tyrannical one in understanding the real effects strong fascist ideologies and their implications. Therefore, the film successful portrayed the gullibility of the citizen in following fascist ideologies blindingly to satisfy a certain ego, which results to cultivation of tyrannical regimes with grave consequences and unstoppable force that goes beyond the intended limits. Jin (631) narrates the tale of Mr. Chiu and his bride while merry making, a staunch policeman due to his power and authority finds it necessary to take on Chiu perhaps to irritate him, and cause a scene that would be blamed on Chiu. The policeman threw a bowl of tea to the couple, wetting their shoes upon which Chiu finds it necessary to complain. Though reminding the policeman that they had a duty to protect and keep law, the policeman takes this as a threat and with a wave, he commands his young fell ows to arrest Chiu, handcuff him, and even threatened him with pistol. Importantly, a crowd of people gathering around the scene did not raise any objection, though they were in the hotel which Chiu was being accused of breaching law and order. The effects were that the young fellows unquestionably arrested Chiu, handcuffed him just by order and took him to the headquarters. They even punched Chiu on the chest when he refused to cooperate. This excerpt from the book clearly illustrates the sentiments of fascism being illustrated in the film Die Welle. It is about the authority of a leader to use their influence in spreading an ideology that is unquestioned, but has to be acted upon, with the citizens embracing the same ideology blindly to play the game of their leader. Reiner in Die Welle is assigned to teach the autocracy type of governance in a German school. To ensure the students understand what autocracy is all about, Reiner decides to make students participate in a form of aut ocracy. Therefore, Reiner first assigns himself a name, which reflects power and control, and being the ultimate leader who has to set the pace, with others to follow. In this case Reiner sets to play as a dictatorial demagogue and is ready to promote fascist ideas to his subjects. Similar to any fascist leaders, sign language is of utmost importance and Reiner has to embrace one. Like the policeman whose wave of hand is powerful enough to cause his juniors to arrest Chin unquestionably (Jin, 631), Reiner designs his code of signs as standing up while speaking and raising their hands. The fundamental fictions of politics is the formation of a â€Å"people, an aggregation of human beings distinguishable from other aggregates of human beings and capable of being organized into a political unit; an â€Å"us† that separates them from the â€Å"them† (Anonymous, 108). Similarly, the gestures and unique communication formulated by Reiner such as standing up while talking, r aising hand when talking or even waving are elements used to construct similar characteristics of a distinct group of people from the rest in the a society. They have to understand one another as belonging to a group through their sign languages, which makes them to identify one another much easier from a crowd. These are the typical characteristics of a fascist regime. Moreover Reiner introduces a uniform of white shirts or skirts and black shorts,

Policy Development Paper Essay Example for Free

Policy Development Paper Essay In this paper, research will be made on reducing prison population and how policy affects and restores how the system works. In the research of how to reduce prison population will include statistics, facts, and public opinion history information which will support the policies claims. This topic has always been controversial and the following research will indentify the stakeholders and their opinions as they relate to the proposed policies and how politics will have an impact in its implementation of these policies. Finally the author will provide policy recommendation and the justification for these policies. In the last several years, this country has gone through many changes in the criminal justice system and one of the major changes is prison overcrowding and the unwarranted prison costs that come with it. This problem not only affects one area of the nation’s prisons, it is practically a problem in every state of the United States. One major question that policymakers should be addressing is whether is it worth having these expenses just to have low-level drug using criminals in jail that are consuming an estimated 65 billion a year? There have got to be a better way to deal with these types of low-level criminals which do not have any business in the prisons whatsoever. These drug offenders need help with rehabilitation and getting their drug problems handled not throwing them in prisons where they are only going to learn more criminal behaviors from the other violent inmates. Two major factors that contribute to the overcrowding of the prison population are: the technical violations those individuals brake like probation and parole, not showing up to court, and just following simple instructions that the parole or probation officers give the offenders and they break those rules. The second factor is that prisons have their policies and if inmates do not follow them and break them they will be punished and serve more time, another reason is that policies change often and for that reason inmates have their sentences increased all the time. In order to reduce the prison overcrowding and maybe have some hope of sinking the recidivism rates, the criminal justice system needs to make some changes and try different alternatives to prison. With the implementation of community-based programs, reminiscent of drug rehabilitation programs, electronic monitoring and house arrest, there can be better results for individual who are trying to better their lives instead of throwing them to the prison system and having them learn new criminal skills from real violent criminals. To prevent overcrowding in the prison system, there are alternatives that the system can use instead of throwing everyone into prison and having to spend much more money for people that clearly do not belong in the prisons. One way to decrease the prison population is to evaluate the prisoners and really study the individuals who are ready to be rehabilitated and serve time in productive manner and this way the prisons can decrease costs at the same time (Heroux, 2011). There are people in this country that may have very extreme views about prisons, they feel that in a modern society, prisons should not exist and everyone has the right to be free (Heroux, 2011). In ones opinion, views like that have no place in this country or any country at all, because it is necessary to have prisons to have control over people that are really aggressive and violent who cannot live freely in our society or else they would cause nothing but chaos in the streets and citizens would not be safe. Society may feel that if policies get tougher with our criminals, the results will be lower crime rates. Unfortunately it does not matter if policies and laws get tougher because not only in this country, but in the whole world, the criminals do not care about laws and policies. Criminals think, act and live a life of crime different than the normal law abiding citizens of this nation, which is why they do not follow the laws and going to prison just comes with the territory f or them. A criminal is well aware that some day they will be behind bars and it does not matter how severe the laws or policies are they will continue to live that life of crime (Marion Oliver, 2006). It is thought to be said that if all criminals were to be locked up, they would not commit any crimes and therefore society would be safer (Heroux, 2011). Statistics show that there is no relationship between mass incarceration and decreased crime rates (Heroux, 2011). Proponents of mass incarceration will lead you to believe that during the 1990s an increase in incarceration resulted in the decrease of crime rate, but this is just a typical case of cherry-picking data to mislead the public. There are three different cases with totally different outcomes that show no evidence that mass incarcerations will decrease the crime rate. In the first case since the 1930s throughout the 1960s, both incarceration and crime rates bounced up and down just a bit, but they stayed at a set level (Heroux, 2011 ). The second case showed that incarceration rates and crime rates shot up simultaneously in the late 1970s to 1980s (Heroux, 2011). The final case showed that incarceration rates sustained its level while crime rates decreased in the 1990s and in the 2000s the incarceration rates continued to increase while crime rates stayed at the same level (Heroux, 2011). So in order to deal with all the prisoners who show potential to have a good rehabilitation in the system, we must provide them with good programs because they are still costing the states billions of dollars every year. First of all the correctional system should be looking closely at those individuals with a low level and first time offenders because they clearly do not belong in the prisons, they belong in programs where they can start paying they dues to society and get them ready to be productive members of society. These individuals have a much higher percentage of not returning to the system because they do not show signs of violent behaviors. Although they have broken the laws, these types of offenders usually have a higher rate of recidivism than ot her individuals who go through the prison system (Heroux, 2011). One major factor why offenders return to prison is because prison will habitually teach individuals to be aggressive and more often than not will make them engage in criminal behavior once they are released to the public sector (Heroux, 2011). On the other hand, alternative sanctions that are more suitable for offenders will eliminate that feeling of trying to commit a crime all the time; it will teach individuals new habits instead of teaching them how to be criminals. Here are different options in which the criminal justice system can adopt to eliminate some of that recidivism rate and decrease it so that the prisons will not be so overcrowded. The first sanction is electronic monitoring, this device had been around for some time now and it works as long the individual does not muddle with it and try to trick it a take it off. Another program in which offenders can be reprogrammed is with community service, probation, parole and restorative justice. Although these sanctions have been designed for individuals who can make a change and have not shown to be violent in prisons, there are prisoners who definitely cannot participate in these types of programs for the reason that they cannot be rehabilitated due to mental issue s and violent behaviors. Of course these programs are not for everyone, just because the programs are available it does not mean that anyone can participate in them. There are steps to be taken by the prison administrators and the courts before allowing an individual to go thru one of these alternative sanctions. One problem that is in the minds of politicians and the states is how much will these programs cost will it be cost effective to send these individuals through these programs to reduce the prison overcrowding. The data shows that alternative sanctions have been proven to be cost effective and they are successful in reducing the criminal behavior and decreasing the prison population (Heroux, 2011). The goal of the criminal justice system is not to eliminate all prisons all together, but to keep them full of individual who really deserve to be there, for instance violent, aggressive and mentally challenged individuals who cannot be walking around in the public because they pose a threat to the society. Another program that is helping many individuals and juveniles especially is the drug treatment programs. As we all know, jail and prisons do not always work for many individuals because they have different problems that need to be looked at by specialists, for example drug addiction. Adult and juveniles who were charged with drug offenses, but they were not violent had the chance to participate in these programs to try and rehabilitate themselves and not return to their bad habits and prisons. These alternative programs are there to give hope to many individuals who did not have the same opportunities that others had and with some training they can be successful and be model citi zens. As a condition to these criminals is that if they do not participate and cooperate with the program the only solution is to return them to prison where they can serve their remainder of their sentences. Drug treatment programs usually take from 16 to 24 months of residential drug treatment depending on the severity of the individual’s addiction (The National Reentry Resource Center, 2012). Drug treatment programs have a successful track record in different states of the country. According to the National Reentry Resource Center, participants who were successful in completing the program were 33 percent less likely to return to prison, 45 percent less likely to be convicted (The National Reentry Resource Center, 2012). In conclusion, alternative sanctions exist so that individuals can have a second chance to straighten up their lives and not return to prisons where more damage can actually happen for them. The programs will not be easy to complete, but in the end they will feel proud of themselves and they will be ready to face the world in a different perspective. Studies have been shown that individuals who participated in alternative programs were more than likely to be more successful than individuals who did not participate in them. The programs mentioned above have been used for years and they have been proven to decrease the prison population, but in order to make a difference we as a society need to support these programs because they are very expensive and is the only way we are going to decrease the overcrowding in our prisons. References Dunn, W. N. (2008). Public Policy Analysis: An Introduction (4th ed.). Upper Saddle River, NJ: Prentice Hall. Heroux, P. (2011). Reducing Prison Overcrowding, Improving Justice and Preventing Crime. Retrieved from http://www.huggingtonpost.com/paul-heroux/ways-to-reduce-prison-ove_b_925603.html Marion, N. E., Oliver, W. M. (2006). The Public Policy of Crime and Criminal Justice (Rev ed.). Upper Saddle River, NJ: Prentice Hall. The National Reentry Resource Center. (2012). Justice Center. Retrieved from http://www.nationalreentryresourcecenter.org/what_works/evaluations/washingtons-drug-offender-sentencing-alternatives-dosa

Parameters For Noise Pollution Measurement

Parameters For Noise Pollution Measurement Noise is defined as the sound which is unwanted or undesired for a particular community in a particular place. Sound is the form of energy which gives the sensation of hearing. It is produced by longitudinal mechanical waves in the matter and is transmitted by the oscillations of atoms and molecules of matter. Noise is basically a form of unwanted sound with a specific pitch, intensity, frequency, amplitude and other characteristics. The description of noise as an unwanted sound indicates that it has an unpleasant effect on human beings and their environment including land structure and domestic animals, also affecting wildlife and ecological cycles. Units of measurement: The unwanted sound or noise can be physically determined as a quantity with the unit called decibel (dB). Decibel is audio loudness measurement. It is the logarithmic unit that describes the ratio between sound intensity values or sound pressure values. 0dB is nominally the threshold of hearing and 85-90dB is nominally the threshold of pain while levels near 120dB may disturb normal body functioning. Noise and our hearing: The auditory function of the ear consists is the conduction of sound through the external and middle ears or cranial bones and their reception by the spiral organ of corti, the receptor of the auditory analyzer. The external and middle ear make up the sound conducting apparatus, while the internal ear, specially the organ of corti, makes up the sound perceiving apparatus. The auricle in man plays a role in collecting sound and determining their direction. Sound waves striking the tympanic membrane set it into vibrations. The drum being connected to the handle of malleus, these vibrations are transmitted to the ossicular window of the labyrinth, rocks in and out of the oval window according to the phase of sound vibration. The vibration of the foot plate of the stapes in the oval window sets up vibrations in the perilymph. These vibrations are transmitted to the basilar membrane, and the organ of corti which it supports. The vibration of the basilar membrane causes the hair cells of the spiral organ of corti to get in touch with the overhanging tectorial membrane. At the same time, the mechanical energy of excitation, which is conveyed to most delicate receptors of the auditory nerve to be passed further to its nuclei into the medulla to the temporal brain lobes where nerve impulses are interpreted as sounds heard. Normal hearing depends on the normal condition of the apparatus for sound perception and conduction. Human being can hear external sounds with a frequency of 16-20,000 cycles per second. When sound vibrations enter into the cochlea; the tiny hairs in the cochlea to move back and forth. If vibrations with a great intensity blast into the cochlea, these hairs, especially the stereocilia, can be flattened and damaged. NOISE POLLUTION Noise pollution is the pollution caused when the unwanted sound is dumped into the environment without taking concern of its adversaries it may have. It causes health hazards (auditory + non-auditory effects) to the people and also affects the surrounding environment as well as wildlife. PARAMETERS FOR NOISE POLLUTION MEASUREMENT: For noise emission measurement, change in several sound characteristics is determined for detecting and recording the accurate values in dB. Some of these measuring parameters are: Sound Power: It is defined as the energy of sound per unit time and is given by: W= E/t (j/s or Watts) Whereas, sound power level can be described as: Lw= 10 log (W/W0) Where: W= measured power from the sound source W0= reference power level (10-12 Watts) Sound Intensity: It is defined as the amount of energy per unit area in unit time that is perpendicular to the direction of travelling sound waves. It is also defined as the sound power transmitted per unit area and is given by: I = W/A (W/m2) The dynamic range of sound intensity for human hearing ranges from 10-12W/m2 to 10-100 W/m2. The highest sound intensity possible to hear is 10,000,000,000,000 times as loud as the quietest. The usage of intensity for describing human ear response over a linear scale is very difficult as it gives such large values. Therefore, a logarithmic scale is used instead of linear scale in which the intensity level is given by 10 times the logarithmic ratio of the actual intensity to the reference intensity value. The threshold of audible sound is 10-16 W/cm2; which is considered as 0 dB. Sound intensity level is given by: Lt= 10 log (I/I0) Where: I= intensity value measured (W/m2) I0= reference intensity (10-16W/m2) Sound Pressure: Sound pressure is defined as the force of sound per unit area perpendicular to the direction of sound waves. It is given by: P= F/A (N/m2 or Pa) The range of human hearing is 0.00002-20 Pa. the sound pressure level is given by: SPL= 20 log (P/P0) Where: P= measured sound pressure (Pa) P0= reference power level (2ÃÆ'-10-5 Pa) SOUND PRESSURE ( Pa) INTENSITY (W/m2) INTENSITY LEVEL (dB) 2ÃÆ'-10-5 10-12 0 2ÃÆ'-10-4 10-10 20 2ÃÆ'-10-1 10-4 80 2(2ÃÆ'-100) 10-2 100 20(2ÃÆ'-101) 10(100) 120 200(2ÃÆ'-102) 100(102) 140 Table 1.1- Showing relationship between sound pressure and intensity level CLASSIFICATION OF NOISE POLLUTION Depending on the source of generation, the pollution due to several types of noises can be divided into following types: COMMUNITY NOISE POLLUTION: Community noise pollution is mainly spreading in the environment due to various community noises. These community noises can be further sub-divided into: Road traffic noise: With rapid increase in number of road vehicles, traffic noise is increasing day by day. The noise is spreading mainly due to traffic speed as the volume of the noise enhances with the traffic speed, and as modern high ways and traffic systems encourage speed, the noise pollution phenomenon is raising rapidly. There is maximum noise pollution during morning and evening hours in urban areas. Heavy engine-trucks are the noisiest vehicles on road having at least 80-85dB level of noise. Domestic noise: This type includes all types of noises that are common in residential areas i.e. the noise of music players, television, burglar alarms, dog barking, residential construction noise etc. depending on its intensity and volume, residential or domestic noise can be source of annoyance to anyone. The noise level in residential areas ranges from 35-45dB and does not cause serious auditory disorders. Aircraft noise: The noise which is spreading in the environment mainly due to aviation activities i.e. phases of a flight including take off, landing and flying on a path. These aerodynamic activities have an adverse effect on the people associated with the flight processes but also the people residing near airports. These noise levels are much higher in ultra-flight aircraft having a peak near 100dB which is extremely hazardous to the health. http://www.ccrh.org/comm/slough/images/Image5.gif Fig. 1.1- Aircraft noise pattern from a jet engine OCCUPATIONAL NOISE POLLUTION: Occupational noise pollution is the pollution which is present in the environment due to noises on work places, factories, and industries i.e. the noise of machines, tools, and other working equipment at work. Depending on the time of exposure, these noises have been divided into following three types: Continuous noise: It is defined as the noise whose maxima (highest levels) occur more often than once per second. It is produced by the machinery that operates without interruption e.g. pumps, compressors and processing equipments etc. Intermittent noise: The noise that is not continuous with time i.e., taking alternating periods of start and stop is called intermittent noise e.g. drill machines. NOISE SOURCE NOISE LEVEL(dB) Breathing 10 Conversation 20-30 House in a quiet street 35 Loud conversation 50-60 Office noise 60 Children playing 60 Lawn mower 60-80 Traffic noise 60-90 Sports car 85-90 Heavy truck 90-100 Electrically amplified music 120 Aircraft noise 90-120 Jet engine 140 Table 1.2-Sound sources and their intensities Impulse noise: It is the noise that gives rise to instantaneous sharp sound for a small time duration and then diminishes e.g. blasting. The sound pressure in this type may be from 40dB (minimum) to 200 plus dB (sufficient to destroy internal organs). http://coastaldrillingandblasting.com/images/home-photo-blast.jpg Fig 1.2- intermittent noise from blasting HAZARDOUS EFFECTS OF THE NOISE POLLUTION Health effects on human beings: Noise pollution is being considered as one of the leading environmental hazards nowadays. From a simple ceiling fan to a heavy traffic sight, the sound affects our lives somehow. But it is the relative loudness that is hazardous to the man and the other life forms. Noise pollution affects the human beings in two ways which are: 1) auditory effect: when it interferes with the functions of hearing mechanism. 2) Non-auditory effects: where it interacts with the health and bodily functions other than our hearing organs. Fig.1.3- a brief chart description of noise pollution hazards on human health Auditory effects: The first organ that gets affected by the noise is the ear. More than 50% of our working community complains of tinnitus (continuous ringing noise) in the ear. Continuous exposure may lead to deafness or permanent loss of hearing. It is because of the complete destruction of the organ of corti that transmits sound from ear to brain. The levels at which a person can get affected by the noise exposure are given below: Sensorineural hearing loss, neural hearing loss is due to damage to auditory nerves, sensory hearing loss is due to damage to inner ear or cochlea resulting from repeated loud noise exposure. High noise levels can result in excessive ear-wax secretion, a damaged ear-drum or fluid in the inner ear. More serious affects include permanent deafness, pain and ringing in the ears. Non-auditory effects: Non-auditory effects can be defined as all the effects on health and welfare due to the noise exposure apart from the effects on the hearing organs. they affect the social behaviour of the objects also altering the normal biological functioning of the body. When the noise pollution is considered to cause hazards other than hearing disorders, annoyance is the most basic level by which it affects peoples actions and communication, which leads to stress showing further symptoms and thus showing illness. On the other hand, noise may not always cause annoyance first and can directly affect health. The degree to which it may affect the health depends on the parameters including the intensity, pressure, volume, duration and the nature of the noise. Annoyance: It is the most prevalent and well documented subjective response to the noise, including fear and mild anger. Noise is also seen as interfering into personal privacy, while its meaning for any individual is important in determining whether the person will be annoyed by it. Annoyance reactions are associated with the degree of interference that any noise causes in everyday activities, which probably precedes and leads on to annoyance. In both traffic and aircraft noise studies, the noise levels have been found to be associated with annoyance in a dose-response relationship. on the whole, it seems that the speech communication activities are most disturbed by aircraft noise while traffic noise is most disturbing for sleep,if present at night. Noise pollution and sleep interference: Exposure to the noise for a long duration disturbs sleep resulting in raised anxiety levels. Habituation is likely to occur with the continual exposure of the noise. Objective sleep disturbance will develop if more than 50 noise events per night with a maximum level of 50 dB are at indoors or more. But, for the outdoor noise levels the value is quite low for sleep disturbance. Noise exposure during sleep may elevate blood pressure, heart rate, pulse amplitude and affect body movements. Following disturbed sleep, there may also be after-effects during the day; perceived sleep quality, short temper and daily performance levels are decreased due to sleep disturbed by road traffic noise. Effects on performance: It has been concluded from the laboratory studies, that noise exposure impairs routine performance. If a speech is played in front of a person who is learning a particular subject, it will cause performance impairment. Such impairment is independent of the meaning or subject of the speech but depends on the relative loudness. Noise exposure also slows down the rehearsal and the of selectivity processes in memory, and the choice of strategies for a particular tasks. It has also been observed that noise may reduce helping behaviour, increase violence and reduce the obedience of social cues. Physiological responses: The continuous exposure to noise causes numerous short-term physiological responses as transmitted through the nervous system. Exposure to noise causes physiological activation including elevated heart rate and blood pressure, peripheral vasoconstriction and increased peripheral vascular resistance. There is habituation to brief noise exposure but to the prolonged noise, habituation is less certain. Cardiovascular effects: Studies have suggested that individuals continually exposed to continuous noise of at least 85 dB have higher blood pressure than those not exposed to noise. Noise exposure is also an indicator of exposure to physical and psycho-social factors, associated with high blood pressure. Aircraft noise pollution is found related to heart trouble and hypertension, more cardiovascular drug use and higher blood pressure. The effects of noise have been shown on systolic blood pressure (but not diastolic pressure), total cholesterol, total triglycerides, blood viscosity, platelet count and, glucose level. However, it was found that the prevalence of hypertension was higher among people exposed to aircraft noise levels of at least 55 dB or maximum levels above 72 dB around. There is some evidence from community studies that environmental noise is related to hypertension and there is also evidence that environmental noise may be a minor risk factor for coronary heart disease. A sudden exposure to noise may stimulate catecholamine secretion and precipitate cardiac dysrhythmias. Psychiatric effects: It has been found that persistent exposure to noise causing annoyance may lead to psychological disorders. Early studies showed that regular exposure to high levels of noise to the factory workers and inhabitants of overpopulated areas complain about nausea, headache, anxiety, restless nights, and edgy tempers. But recent studies do not confirm this association between air-craft and road noise and psychiatric disorders; and the weak association was established between road-traffic noise and mental depressiveness. Hence, it is now believed that environmental noise may seem related with certain psychological symptoms, but does not result in serious psychological disorders. However, enhanced noise levels may increase the possibility of such disorders. Effects on cognitive behaviour in children: It is of the common knowledge that children belong to a group which is especially vulnerable and sensitive to environmental pollution and all of its types. Their cognitive structure is developing and they lack the well-developed strategies to coop-up. Studies have found the Effect of environmental noise activities on the cognitive structure. The research shows that noise pollution does not affect all cognitive structures uniformly; affecting mainly central processing and understanding of the language. Difficulties have been found in concentration and visual attention. The reports describe that noise exposed children show more difficulty in concentrating than those who are less exposed. The test performed on primary school children living in over-populated areas showed them having poor auditory distinction and speech perception; affecting their reading ability, as well as their school performance than those living in quiet areas. Effect of noise pollution on wildlife: Noise pollution can be harmful to the animals. High enough levels of the noise pollution may interfere with the natural cycles of the animals, which may change their migration paths to avoid the sound; moreover, masking which is the inability to perceive sound of ecological cues and animal signals. Exposure of Desert Kangaroo Rats to dune buggy sounds (95 db at 4 meters, on and off for 500 seconds) caused a major reduction on detection distance for its principal predator the Rattlesnake. When the distance for the normal sand kicking response to the snakes presence was reduced from 40 cm to 2 cm, and it took three weeks for the rat to recover. Plenty of evidences exist to prove that serious damage is occurring to the wild animals. Long-term effects from medium to low level noise intrusion need much more study, with emphasis on threatened and endangered species. NOISE POLLUTION COUNTROL All the sources of noise including road traffic, heavy vehicles, airplanes, factory machines etc. contribute towards noise pollution in one way or another. Some of these sources may have tolerable noise levels but when combined together, these can cause serious risks. According to World Health Organization, noise pollution control is easiest among all kinds of pollution the world is facing today Several steps are needed to be implemented so as to improve environmental conditions and to attain healthy noise free environment. Some of these steps are following Public awareness measures are required to make people understand about noise pollution and to guide them about permissible noise levels by using print media and electronic media properly. Noise exposure may be reduced on personal level by usage of protective ear plugs and also steps are required to reduce of exposure time to noise. Engineering techniques such as altering and modifying the designs to reduce noise, construction of sound barriers and sound absorbers might be helpful. Academic institutions and hospitals can be shifted away from the noisy roads, railway stations and airports. Similarly, the heavy industries and factories ought to be formed away from residential areas. The usage of pressure horns and record players among all means of transportation must be banned by the government in order to reduce the noise intensity. Monitoring of sound levels should be carried out by the traffic police. Legal action should be taken against violators by the government. Law formation and implementation is required to lessen the hearing problems among factory workers. Vegetation programmes along the roads should be initiated as plants absorb and dissipate high energy sound waves.

Occupational Health And Safety Management Systems Construction Essay

Occupational Health And Safety Management Systems Construction Essay Occupational Health and Safety Management Systems (OHSMS) have been defined by Gallagher as à ¢Ã¢â€š ¬Ã‚ ¦a combination of the planning and review, the management organisational arrangements, the consultative arrangements, and the specific program elements that work together in an integrated way to improve health and safety performance A management system is a set of interrelated elements used to establish the policy and objectives, and to reach these objectives, it includes an organizational structure, planning activities, responsibilities, practices, procedures, processes and resources. The implementation process of a management system adds value to organizational culture since it develops competences related to the planning and execution of activities, prioritizes the capacity of team work and promotes the improved reliability of production systems.According to OHSAS 18001 Occupational Health and Safety Assessment Series (2007), occupational health and safety are conditions and factors that affect, or could affect, the health and safety of employees or other workers (including temporaries and outsourced workers), visitors or any other person at the workplace. An occupational health and safety management system can be defined as part of the organizations management system used to develop and implement its policy and manage its occupational health and safety risks (OHSAS 18001, 2007). The implementation of occupational health and safety management systems has been the main strategy to combat the serious social and economic problem of work-related accidents and illnesses and it can also be used by companies as a factor to increase competitiveness (TRIVELATO, 2002). When an employee is hired by a company, the perception he has regarding the physical and social environment he finds will influence his daily behavior. That is why aspects such as order, cleanliness and personal hygiene are of utmost importance, as is the organization and utilization of space by means of an appropriate layout (BARBOSA FILHO, 2001). OHSAS 18001 Occupational Health and Safety Management System The British Standard BS 8800 (Guide to Occupational Health and Safety Systems), created in 1996, was the first successful attempt at establishing a standard reference for implementing a health and safety management system. It aims at improving the organizations performance in terms of health and safety, providing guidance with regards to how its management should be integrated with the administration of other aspects of company performance. This standard was broadly disseminated throughout the world and adopted in the most diverse industries. It is comprised of a series of elements (requirements); however, it does not establish performance criteria or even specifications on how to design the system. In 1999, OHSAS 18001 was published by the British Standards Institution (BSI). It was elaborated by a group of international entities (BVQI, DNV, LLOYDS, SGS and others), which used BS 8800 as its basis. It was developed in response to the needs of companies to manage their occupational health and safety obligations more efficiently. In July 2007, OHSAS 18001:1999 was replaced by OHSAS 18001:2007, and some alterations were introduced, thus reflecting the experience of 16,000 certified organizations in more than 80 countries (QSP, 2007). OHSAS 18001 aims at providing organizations with elements of an effective occupational health and safety management system that can be integrated with other management requirements and help them achieve their OHS and economic objectives (OHSAS 18001, 2007). It is applicable to every type and size of organization and can be integrated with other management systems (quality, environment and social responsibility) in order to help them achieve their occupational health and safety objectives. As per Figure 1, OHSAS is based on PDCA methodology (OHSAS 18001, 2007). This OHSAS Standard is based on the methodology known as Plan-Do-Check-Act (PDCA). PDCA can be briefly described as follows. Plan: establish the objectives and processes necessary to deliver results in accordance with the organizations OHS policy. Do: implement the processes. Check: monitor and measure processes against OHS policy, objectives, legal and other requirements, and report the results. Act: take actions to continually improve OHS performance Occupational Health and Safety Assessment Series (OHSAS) 18001 provides the mechanism for occupational health and safety management, helps companies in the systematic inspection and measurement of the degree of their suitability, as well as trains employee to understand their role in the health safety system and its improvement. Companies hoping to implement an effective occupational health and safety management system should have a clear understanding of the changes in health and safety laws, as well as potential hazards existing inside the factory. A good understanding could reduce accidents, accident and calamity risks, as well as upgrade the general health and safety risk control efficiency of the company. The study explains the implementation performance and execution procedure of the occupational health safety management system based on actual implementation experience of the occupational health safety management system. Occupational health safety management system establis hment experiences showed that one undergoes eight stages when setting up an OHSAS 18001 compliant health and safety management system execution procedure; namely, preparation, initial review, planning, documentation, implementation operation, checking corrective action, management review, and continuous improvement. 1.0 Preparation Stage Preparatory work and psychological construction are fairly important in the establishment of the occupational health safety management system. Generally, during the initial period of introducing occupational health safety management system into a factory, factory workers already possessed a health and safety precognition, as well as understand that the establishment of the company occupational health safety management system would require their full coordination and support. The primary function of this stage is to foster top executive support and authorization, implementing body organization, and stimulation of personnel recognition. Top executive support and authorization Top executive is the highest authority of the occupational health safety management system, as well as the highest decision making manager of the factory However, prior to setting up system, a factory should obtain the approval and support of its top executive. The occupational health safety management system establishment responsibility and authority should be assigned to the appropriate personnel to integrate internal existing resources and dissolve possible resistance that may surface during the execution process. A specific measure would be to employ a paper or hierarchic order relay method starting from the top factory executive, e.g. chairman, CEO, president, or factory manager, openly making official explanation of the system to the management executives and operators. For instance, holding a Kick-off Meeting or employing other official announcement or publication to notify managers and staff about the establishment of the occupational health safety management system. It is imperative that each individual should understand the companys determination in promoting the occupational health safety management system. Organizing an implementing body Clear-cut scope of individual responsibilities is an imperative essential of a good management system. OHSAS 18001 requires the assignment of corresponding responsibilities to employees, clearing defining their responsibilities, authority, and mutual relationship. The management should provide the resources needed for execution, as well as appoint the suitable management representative. Hence, the organization should have a written document clearly defining the role of each individual in the system to allow each person to understand his/her importance, responsibilities, and authority in the scheme of operations, position in the organization, and the vertical relationship of the management level. The organization might explain to the persons in charge, positions and management level possessing the relevant management responsibilities in the handbook or procedure manual. The regular training and internal communication channels may be used to make each person understand the nature of hi s/her responsibility. As for management responsibilities, aside from total authority delegation, it is also necessary to provide the appropriate resources; e.g. money, manpower, materials, technology, information source. The management representative is the soul of the occupational health safety management system. Pursuant to higher management instructions, he/she is responsible for leading the system to the right path, as well as verifying the right operating responsibilities of the occupational health safety management system and report system execution performance to higher management. Stimulating health and safety recognition of employees Education and training are important tools organizations use to maintain the professional knowledge and skills of employees; especially during the early stage of occupational health safety management system establishment. Education and training are the best means for upgrading personnel skills, stimulating employee understanding of his/her work as well as health and safety effects. A training premise is that the organization should first identify the individuals expose to potential serious health and safety risks to provide a suitable training. Likewise, employees assigned to special jobs should possess adequate educational background, training and experience for the job. Generally, the business sector does not have a clear perception of health and safety, therefore under such deficient information supply, employees could hardly understand their role in the health and safety problems, needless to say take measures to further ensure his/her or another partys safety. The OHSAS 18001 training requirement goes beyond work technology, it also emphasizes recognition upgrade. Factories introducing the occupational health safety management system concept may use education and training as a foundation; when requiring employees to maintain or upgrade their skills, factories should first allow employees to understand correlation between and importance of their work and health safety. Organizations may relay health safety management system requirements to employees through means most suitable to the factory culture. If everyone understands ones role and responsibility in the system, then working under the health and safety effects, one would be able to upgrade ones health and safety performance, as well as gladly coordinate with the health safety management system of the company. 2 Initial review period During the establishment of the occupational health safety management system, initial review of the condition understanding and data compilation work provided the formulation of subsequent or amendment of occupational health safety policies; formulation of objectives and management programs; definition of references for standard procedure documents. Initial review is not part of the OHSAS 18001 certification requirement, however those who have not established their occupational health safety management system in the OHSAS 18002 may use this measure as foundation of subsequent operations. Initial review allowed factories to understand fully the relationship between their internal operations and the safety problems, as well as the safety problems and responsibilities of the factories. The purpose of initial review is to provide a thorough understanding of the health and safety advantages and disadvantages of the organization per se, well as provide a clear-cut direction for the futu re occupational health safety management system. The endeavor is like a medical examination; it is used to understand the health and safety weaknesses and probable improvements inside the factory. The matter of weakness improvement will form the future execution content of future occupational health safety management system execution. Initial review findings are finally compiled into the initial review report by the organization or an appointed person in charge. The report should be able to summarily explain matters under investigation, present a conclusion and suggestions for future to management review and future reference purposes. 3 Framework and planning period Following the completion of initial review and factories development of a general health and safety consensus comes future health and safety policymaking. Framework and planning execution covers the following: defining health and safety policies, setting objectives, organizing health and safety management programs, and formulation of document outline. Defining health and safety policies Health and safety policies manifest the commitment of the top executive, it is also the highest guiding principle of the health safety management system, the force behind the implementation and improvement of the health safety management system, as well as the manifestation of the organizations intentions in terms of health and safety responsibility and performance requirements. Likewise it serves as the standard for future occupational health safety management system establishment and improvement. Prior to the establishment of occupational health safety policies, the top executive should have a full understanding of organizational conditions as well as the hazards and health safety risks resulting from factory operations. The top executive should also have a thorough understanding to determine and manifest adequately intentions and direct future organization direction. Health and safety affairs often existed under a high subjective consciousness; hence the suitability of the he alth and safety policies could determine the success or failure of the occupational health safety management system. During the execution of the continuous improvement process, subjective and objective factors would change with progress; hence for the effective system operation, health and safety policies should be properly adjusted and amended in response to time and space changes. Defining health and safety objectives For effective risk control and reduction, as well as health and safety policy realization purposes, the organization should define health and safety objectives. The health and safety objectives should be able to manifest health and safety policies and be consistent with their objectives. Objectives should be expressed in writing and extend to every relevant management mechanism. Generally, health and safety objectives should be specific and as much as possible be measurable. Regardless which manner objectives are defined, they should focus on the significant hazards as well as health and safety risks of the factory. When formulating the health and safety objectives, in addition to the factory resource, skill and feasibility considerations, it is also imperative to consider the extent of the influence of the health and safety risks. The health and safety policy realization function of the health and safety objectives should also allow the upgrade of the general health and safety perfo rmance, moreover health and safety objectives should be quantifiable as much as possible. Defining the health and safety management program The health and safety management program is defined for the achievement of objectives; hence it should be able to layout the method, time, person(s) in charge, and goals of each department. Primary considerations include: derivation of specific action plans from objectives, clear-cut and flexible responsibility definition of management program executors, timely revisions. Generally, a program is often creates for a single objective and the achievement time of each objective may vary. A factory could consolidate the other programs or plans under implementation for the simultaneous achievement of multiple projected objectives. Since a management program is the bridge between planning and execution, the various execution requirements (e.g. framework and responsibility, operations and document control, communication, inspection, etc.) should be clearly defined to ensure smooth execution. Formulating document outline The primary objective of document outline formulation is to integrate the occupational health safety management system into the existing management system of the company for the realization of occupational health safety management operations. To ensure the proper execution of occupational health safety management system policies, objectives and management programs, integration with the existing system is imperative. Moreover, for the purpose of reducing excessive overlapping management documents, one should prepare the document outline beforehand. The more popular method is to prepare a checklist of existing management documents, may them be ISO 9000, ISO 14001, or other management system documents; then a comparative study with health and safety policies, objectives, and management programs should be conducted. Documents for addition or amendment should be identified then submitted to the departments concerned for preparatory work. The existing document management system of the c ompany may be used as the opener for the internal management system integration to facilitate quality, environment, occupational health safety management system integration. The endeavor would not only boost system operation efficiency, but also reduce the resistance due to the implementation of a new system. 4 Documentation stage What the OHSAS 18001 requires is a complete system managing health and safety affairs, not a bunch of scattered management techniques. Hence, every management method and document regulation of the system should be systematically and documentarily expressed for the creation of a future management system that is written into uniformity. Therefore, document amendment, utilization, maintenance, preservation, and control should be regulated through written rules for utilization and management convenience. Documents should be properly updated, valid, clearly identified, and easily traced for the effective management execution. Every document should be able to reflect work conditions, and duly evaluated by the approving authority. Document compilation, preservation, revision, and retraction should be suit time and place. Generally, one should still refer to the ISO 14001 document control and best options available during the implementation of OHSAS 18001; since the two came from the same or igin and are highly compatible. OHSAS 18001 does not have many documentation procedures; but whatever circumstances are, aside from the procedure, the factory should define the criteria for support based on its requirements. Let us take hazard detection for instance some companies would separately define procedures for the acquisition of relevant documents or methods that would ameliorate management information. In the case of objective definition, the provisions only required organizations to establish documentation objectives, but some companies separately formulated procedures for objective definition, or use a complete procedure to define the steps and precautions necessary for the planning portion. 5 Implementation and operation stage It does not matter what planning objectives were, how perfect planning was, or if planning was effective, what matters is the implementation execution. If policies, objectives, and programs are but matters of propaganda or are regarded as slogans, then their effects could not be optimized and the final planning objectives could never be achieved. In terms of the first health and safety management system established, since initial review was not included in the regular scope of execution of the system, one need not use a specific operating procedure to implement it. Once the health and safety policies have been set, proper utilization of initial review experience could simultaneously establish the document and execution plan procedures. Having completed planning operations, it is imperative to execute plan according to the management program. The relevant procedures, provisions, and operating standards should be established before program execution to avoid implementation difficulties . The more special requirements in the execution of the occupational health safety management system are communication and consultation. Since health and safety affairs are often interlinked and closely related to other parties, it is not just a matter of doing the job well, but one should also exchange opinions with the related groups or individuals whenever necessary. When dealing with internal operations, it is imperative to have two-way communication and consultation channels; when dealing with external matters, a good management is not dependent on ones singular determination. It should be recognized by the external community; moreover, while handling health and safety affairs, the organization should acquire the consensus of interested parties to reduce conflicts and doubts. The organization should be willing to coordinate related safety regulations and control. 6 Checking and corrective action stage It is imperative to continually check system execution trend to keep the health safety management system operating properly; the examination and corrective measures serve this function. The OHSAS 18001 requires system to have at least inspection and measurement procedure, corrective and preventive measures for inconsistent conditions, recording, health and safety management system audit. These features are correlated and could keep system operation within the prescribed parameters of the law and standards.à £Ã¢â€š ¬Ã¢â‚¬Å¡ Inspection and measurement should be realized in daily operations and conducted in line with record management procedures. Records allow the tracing of execution results, so at the event of inconsistent conditions (including false alarm incidents), the authorized personnel should investigate matters as per prescribed procedure to reduce health and safety risks and prevent the recurrence of the same problem. In terms of health safety management system audit, the organization should institute procedure and program control to ensure that system would not deviate from the plan and be efficiently maintained and executed. The audit also provides the management a basis for evaluation. The progress of a health safety management system is due to continuous follow-up and improvement. Techniques employed are health safety management system audit and top executive management review. The purpose of health safety management system audit is to make sure the organization accomplished the job. It is regular conducted by the internal auditor of the factory, who examines whether operations meet the prescribed procedure and standards; whether departments complied with health and safety policies and objectives. The management review aims to ensure that job is done properly and done by the authorized top executive. The audit reports, past records, and inspection results determine whether the next stage of the entire organization and management system will be in the right direction. 7 Management review The completion of the management review marks the end of a PDCA cycle; it means one could prepare official verification. Prior to the official evaluation of the verification personnel, the factory should verify the completion of the following important matters: at least one PDCA management cycle was completed; the appropriate records were retained; all required documents were executed; version has been updated; execution operation records were written and approved as regulated; related supporting documents are attached; related parties have a full understanding of the health safety policies, health safety risks, and objective execution conditions; subcontractors and vendors were included in the health safety management system management; health safety management system audit has been improved (including internal audit or external evaluation); resolution of the deficiencies found during the previous audit, conclusion of management review, or other matters under related procedure e xecution. 8 Continuous improvement stage Introducing a new management system would give rise to problems during implementation. As long as problems are not serious enough to cause system breakdown or failure, improvements could be instituted. Continuous improvement of the system could be effected through management system audit and management review; as such is a basic requirement of OHSAS 18001. Prior knowledge of factors that may lead to possible problems could save manpower and material costs, as well as post-mortem efforts. The factory should maintain such a healthy state of mind when executing the OHSAS 18001, instead of going on a blind pursuit of a piece of certificate, this way, the factory not only alleviates personnel injury and environmental damages, reduce risk, reduce cost, improve factory image, upgrade factory performance through the health safety management system. In the continuous improvement process, the two major mechanisms fostering continuous improvement are health safety management system audit and management review. A planned and full-scale health safety management system audit could locate the common factors and special factors causing the health and safety performance problems resulting from system deficiency. The top executive determines the right direction for the systematic consideration of health and safety problem solutions, as well as the continuous execution of the PDCA logic continuous improvement mechanisms.

The Devil in Dr Faustus Essay -- Doctor Faustus Essays

The Devil in Dr Faustus  Ã‚   In Scene 3 Mephastophilis appears to Faustus in his real form. Faustus reacts with disgust and asks the devil to come back in a shape more pleasant to the eye - as a Fransiscan friar. Faustus’s reaction is typically renaissance - he objects to ugliness and craves aestheticism. It also shows his sense of humour (or rather sense of irony) - as he says â€Å"That holy shape becomes a devil best† (l 26). What is striking is that when Mephastophilis appears first, Marlowe does not bother to describe him. True - he does not talk of the physical appearance of any of the characters as well, but a devil is a creature that, in our twentieth century opinion, is clearly in need of some footnote specifying what he looks like. But there is no such footnote. The early seventeenth century audience did not need a description of the devil like the twentieth century audience does. The Middle Ages had accustomed people to viewing the devil as a hideous, disgustingly ugly and frightening creature. The renaissance was a revolution in terms of imagery. The devil became more hu...

Essay example --

Topic: I am studying about heritage languages and bilingualism because I want to find out how one’s language shapes his or her identity in an increasingly globalized society in order to understand why there is still a fear among many immigrants and their descendants of teaching their children their heritage language. Based on the science and research done on bilingualism, learning a heritage or second language while growing up has minimal to no adverse affects on language development and social class. Rather, language presents an opportunity to elevate one’s culture, personality, and identity. For America, heritage and second language education is vital to sustaining its worldwide influence as the world becomes more globalized. Coca-Cola. â€Å"Coca-Cola – It’s Beautiful – Official :60.† YouTube. YouTube, 2 February 2014. Web. 2 February 2014. The main claim of this Coca-Cola commercial is that every American, regardless of ethnicity, religion, and sexuality, enjoys drinking Coca-Cola and so the audience should as well. The sub-claim here is that America is a nation consisting of diverse individuals with backgrounds stemming from around the world. The grounds for this sub-claim are the various scenes in which a variety of Americans are depicted enjoying the freedoms of America with â€Å"America the Beautiful† being sung in multiple languages in the background. This Coca-Cola commercial appeals to the pathos of the American audience with the incorporation of the iconic, patriotic song and the breadth of minorities represented in the video. The multilingual singing of the song had to be a deliberate choice since Coca-Cola could have very easily shown the same clips of the diverse Americans with the English version. This implies that Coca-Co... ... child’s life may simply lead to greater psychological difficulties because of the child’s overwhelming feeling of abandonment. I intend to juxtapose these two pieces in my paper. De Houwer’s article coincides the most with Landau’s in that both agree bilingualism does not create any significant child development issues and that the benefits outweigh the costs. The language used in this article is intended for a general audience, which can promote discussions and questions. As for the credibility of de Houwer, she is currently Professor of Language Acquisition and Language Teaching at the University of Erfurt in Germany, and she is heavily involved with multiple linguistics organizations. At the time of this article’s writing, she taught at the University of Antwerp and Science Foundation of Flanders, Belgium. Therefore, this is clearly a scholarly, credible source.

Term Paper on Ddbl Mobile Banking. Chittagong Cantonment Public College.

————————————————- 1. 0 Introduction Dutch-Bangla Bank Limited (DBBL) has for the first time introduced its mobile banking service expanding the banking service from cities to remote areas. â€Å"Mobile banking is an alternative to the traditional banking through which banking service can be reached at the doorsteps of the deprived section of the society,† ————————————————- 1. 1 Origin of the Report This report is an outcome of one month Chittagong Cantonment Public College program prepared as the requirement of BBA program of the school of Business.The work on this report was carried out as Field based Report writing and presentation program on Dutch-Bangla Bank Mobile Banking in Bangladesh at the Mobile Banking Office, Agrabad MB Office, Shah Amir Plaza(1s tFloor),534/535, Sheikh Mujib Road Agrabad , Chittagong. This report is assigned and approved by academic supervisor Mr. Mohammed Abu Taher, Lecturer, Department of Business Administration, Chittagong Cantonment Public College. The report is entitled as Field based Report writing and presentation program on Dutch-Bangla Bank Mobile Banking in Bangladesh. ————————————————- . 2 Objective of the study 1. To prepare a formal study on Mobile Banking System in the perspective of Bangladesh. 2. To know the acceptability level of transaction by Mobile Banking by rural people. 3. To find out the way of increasing the operational area of Mobile Banking in Bangladesh. 4. To identify the level of security and confidentiality of Mobile Banking in Bangladesh. 5. To find out the reasons of backwardness of Mobile Banking in rural area of Bangladesh. 6. To find out the remedies of the prob lems to implement mobile banking for rural people ————————————————- . 3 Methodology of the study The methodology exercised for this study is as follows: Types of Data: For this study both primary and secondary data has been used. a) Primary Source: Primary data have been collected form general people and user of cell phone and bank users. In order to collect the detail data, participatory observation method has also been used. b) Secondary Source: Beside primary data, necessary secondary data have been collected from the Newspapers, websites, textbooks, research articles, government publications and various published research works on mobile banking. ———————————————— 1. 4 Limitations of the study Maximum effort was given to make the study a successful one, but it suffers from some limitation those were apparently unavoidably. The major ones were: ? Shortage of time period: The major limitation faced to carry out this project was mainly time constraints. The time constraint of the study hindering the course of vast area and time for preparing a report within the mentioned period is really difficult. ? Secrecy of Management: The authority of DBBL did not disclose much information for keeping the organization confidential.They have restriction to disclose some secrete information to other. So, some data could not been collected for confidentiality or secrecy of management. ? Green field sector: One of the major limitations of this report is that no previous study is done before. So, secondary information was scarce. ? Busy working environment: The officials had some times been unable to provide information because of their huge routine work. That is why we do not gather vast knowledge about the critical issues. It is really difficult to gather data from the place where people do not know me for a long time. Lack of information: In the website, Mobile banking related information was limited. ————————————————- 2. 0 Organizational overview DBBL was the first bank in Bangladesh to be fully automated. The Electronic-Banking Division was established in 2002 to undertake rapid automation and bring modern banking services into this field. Full automation was completed in 2003 and hereby introduced plastic money to the Bangladeshi masses. DBBL also operates the nation's largest ATM fleet and in the process drastically cut consumer costs and fees by 80%.Moreover, DBBL choosing the low profitability route for this sector has surprised many critics. DBBL had pursued the mass automation in Banking as a CSR activity and never intended profitability from this sector. As a result it now provides unrivaled banking technology of ferings to all its customers. Because of this mindset, most local banks have joined DBBL's banking infrastructure instead of pursuing their own. Even with a history of hefty technological investments and an even larger donations, consumer and investor confidence has never waned.Dutch-Bangla Bank stock set the record for the highest share price in the Dhaka Stock Exchange in 2008. ————————————————- 2. 1 Pioneer of Mobile Banking Dutch-Bangla Bank Limited (DBBL) has for the first time introduced its mobile banking service at 1st April, 2011 & expanding the banking service from cities to remote areas. Bangladesh Bank Governor Atiur Rahman yesterday inaugurated the service by depositing Tk 2,000 and withdrawing Tk 1,500 through Banglalink and Citycell mobile networks in Motijheel area. ———————————â₠¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€ 2. 2 Achievement of DBBL on Mobile Banking sector Awards received by DBBL for launching best mobile banking services: ————————————————- 2. 3 Agent of DBBL Mobile Banking  Ã¢â‚¬â€œÃ‚  Agents Mobile Banking – Agents : ( Total = 13721 ) Dhaka  Division  ( 5422 )| Chittagong  Division  ( 2368 )| Sylhet  Division  ( 830 )| Barisal  Division  ( 812 )| Rangpur  Division  ( 1489 )| Khulna  Division  ( 1305 )| Rajshahi  Division  ( 1495 )| ————————————————- . 4 DBBL Mobile Banking Model Dutch-Bangla Bank Limited (DBBL), a technology savvy commercial bank in Bangladesh, started Mobile Banking on 31 March, 2011. DBBL has followed a unique model for deployment of the Mobile Banking in Bangladesh. DBBL model has the following characteristics:| 1| Bank-led model:  DBBL Mobile Banking is a Bank-led model to fulfill the basic banking needs utilizing mobile phones in Bangladesh where only 24% of the adult population has bank accounts, but 60% are using mobile phones.This is contrary to the Mobile Banking in developed countries where almost 100% of the adult people have bank account, and as such there is no need for discharging basic banking activities using mobile phones, rather there is a requirement for the banks to discharge conventional banking services over the existing bank accounts more conveniently using mobile phones. | 2| Vision:  The vision of the DBBL Mobile Banking is to promote Banking to the unbanked (unlike other models in developing countries which promote P2P or ‘Send Money’), and to develop savings habit among the unbanked.Accordingly DBBL Mobile Banking started with and providing highest importance to the registration with proper KYC, Cash-in and C ash-out activities. Other activities like P2P, disbursement of foreign remittance, salary/wages, government’s/other allowances, air-time top-up, buying goods and services etc are considered as the by-product of the basic banking services. | 34| An account, not a wallet:  DBBL Mobile Banking considers the deposit of the customer as balance in his mobile account like balance in the savings or current accounts, not as electronic money or wallet.Four parties involved: DBBL Mobile Banking has involved four parties – Bank, Mobile Network Operators (MNO), Agents and Customers with a commission model to suit each of the parties. The commission charged to the customers is acceptable to them (customers), and at the same time it is motivational for the Bank, MNO and agents to run their respective business. Highest priority is given to the benefits of customers and agents. | 5| Four Cash movement tiers:  Customers can cash-in/cash-out at agents, agents at super agents and the super agents at bank branches. Thus ll the cash is ultimately deposited at a bank branch. To make the transactions convenient, provision has been kept for the customers and agents to perform the transaction directly at bank branches/ATMs. | 6| Four Geographical tiers:  To have better and close supervision on the customers, agents and super agents, develop the mobile banking market, quick and localized data entry during customer registration, and the dispute management, the country has been divided into four tiers – territory, upozila, district and division. | ————————————————- . 5 Number of Customer in Comparison with others. 2. 6 ————————————————- 2. 6 Comparison between DBBL Mobile Banking & bKash SL NO| Service Features| DBBL| Bkash| Remarks for DBBL| 1| Registration | Free| Free| Tk 100/- initial deposit for approbal| 2| Cash in at Bank| Free| N/A| | 3| Cash in at agent| 1%| Free| | 4| Cash out at Branch| Free| N/A| | 5| Cash out at ATM| Free| 2%| | 6| Cash out at agent| 2%| 1. 85%| Expecting to reduce the fee to 1% | 7| Inward Foreign Remittance| Free| N/A| | ———————————————— 3. 1 Mobile banking system Mobile Banking is a Banking process without bank branch which provides financial services to unbanked communities efficiently and at affordable cost. Mobile banking is a term used for performing balance checks, account transactions, payments, credit applications and other banking transactions through a mobile device such as a mobile phone or Personal Digital Assistant. The mobile banking services were offered over SMS, a service known as SMS banking. ————————†”——————— 3. 2 Current situation of Mobile Banking in Bangladesh Mobile banking is a new technology in Bangladesh. Mobile banking is a term used for performing balance checks, account transactions, payment, etc via mobile device such as mobile phones. Most people heard about it but not have a clear idea, almost 94% people heard about mobile banking and 6% haven’t heard about mobile banking. Mobile banking started from 31st March 2011. Dutch Bangla Bank Limited pioneered in mobile banking services in Bangladesh.Dutch-Bangla Bank Limited launched the service in collaboration with mobile phone operators Banglalink, and CityCell. Primarily mobile banking will provide the clients with cash deposit, cash withdrawal, merchant payment, utility payment, salary disbursement, foreign remittance, and fund transfer services. Nine other banks have also been licensed by the Bangladesh Bank to introduce mobile banking. Bangladesh Bank governo r Atiur Rahman inaugurated the service through depositing money in and withdrawing cash from two DBBL-authorized mobile service centers at Naya Paltan and Purana Paltan areas in the city.Mobile banking is a new concept, because of this, it would be a little more expensive for the users. The aim of mobile banking is to bring more people under the umbrella of banking service. Government thinks it has a great prospect as it is a new technology in digital Bangladesh. But in Bangladesh many people think traditionally, because they cannot think it has any facility to use mobile banking. 69% people feel mobile banking has prospect in Bangladesh whereas 31% think it has no prospect in Bangladesh as many people will not feel interest or have belief on mobile banking. ———————————————— 3. 3 DBBL’s Mobile Banking Services and offers a) Customer relation b) Cash deposit c) Cash withdrawal d) Foreign remittance e) Salary disbursement f) Person to person transfer (P2P) g) Air time top up h) Balance inquiry ————————————————- 3. 4 DBBL’s Mobile Banking procedure The users will have to pay a service charge of Tk50 for depositing Tk5,000 and Tk 100 to withdraw the same amount of money.The service charge will be whichever amount is higher between Tk5 and 1 percent of the deposited money at the cash-in end and whichever amount is higher between Tk10 and 2 per cent of the money withdrawn from the cash-out end. Any Banglalink, airtel or CityCell mobile user can register as a recipient of the service by paying a Tk10 fee to any authorized agent point of the DBBL or any retailer of CityCell, airtel and Banglalink. After registration, the users will be given a personal identification number and a check digit ranging from one to nine which will be added to his/her mobile number that will act as security measures.Every user will need his/her mobile set, check digit and PIN for making any transaction. â€Å"Customer’s money is safe as no one can withdraw money without taking possession of the mobile set, PIN and the check digit all together, no one will be able to deposit unwanted money into a mobile banking account without knowing the check digit, although the mobile number is publicly known. † The mobile banking is a part of digitalizing the banking sector and the central bank’s plan to bring the masses under financial inclusion. ———————————————— 3. 5 Future prospect of Mobile Banking in Bangladesh Based on the ‘International Review of Business Research Papers' from World business Institute, Australia, following are the key functional trends possible in world of Mobile Banking. With the advent of technology and increasing use of smart phone and tablet based devices, the use of Mobile Banking functionality would enable customer connect across entire customer life cycle much comprehensively than before.With this scenario, current mobile banking objectives of say building relationships, reducing cost, achieving new revenue stream will transform to enable new objectives targeting higher level goals such as building brand of the banking organization. Emerging technology and functionalities would enable to create new ways of lead generation, prospecting as well as developing deep customer relationship and mobile banking world would achieve superior customer experience with bi-directional communications. Illustration of objective based functionality enrichment In Mobile Banking Communication enrichment: – Video Interaction with agents, advisors. * Pervasive Transactions capabilities: – Comprehensive â€Å"Mobile wallet† * Customer Education: – â€Å" Test drive† for demos of banking services. * Connect with new customer segment: – Connect with Gen Y – Gen Z using games and social network ambushed to surrogate bank’s offerings. * Content monetization: – Micro level revenue themes such as music, e-book download . * Vertical positioning: – Positioning offerings over mobile banking specific industries. * Horizontal positioning: – Positioning offerings over mobile banking across all the industries. ———————————————— 3. 6 History of Mobile Banking in Abroad Improving access to financial services, such as savings, deposits, insurance and remittances, is vital to reducing poverty. Savings can help poor people to invest in productive assets like livestock, a loan may help to expand business activities, and insurance can provide income for a family if a breadwinner becomes sick. In many developing countries, however, 9 out of 10 people do not have a bank account or access to basic financial services.Poor people are often not considered viable customers by the formal financial sector as their transaction sizes are small, and many live in remote areas beyond the reach of banks branch networks. Informal banking services such as microfinance and village savings and loan associations remain limited in their reach. The first mobile banking and payment initiatives were announced during 1999 (the same year that Fundamental deployed their first prototype). The first major deployment was made by a company called Pay box (largely supported financially by Deutsche Bank).The company was founded by two young German’s (Mathias Entemann and Eckart Ortwein) and successfully deployed the solution in Germany, Austria, Sweden, Spain and the UK. At about 2003 more than a million people were registered on Pay box and the company was rated by Gartner as the leader in the fiel d. Unfortunately Deutsche Bank withdraws their financial support and the company had to reorganize quickly. All but the operations in Austria closed down. Another early starter and also identified as a leader in the field was a Spanish initiative (backed by BBVA and Telephonica), called Mobi Pago.The name was later changed to Mobi Pay and all banks and mobile operators in Spain were invited to join. The product was launched in 2003 and many retailers were acquired to accept the special USSD payment confirmation. Because of the complex shareholding and the constant political challenges of the different owners, the product never fulfilled the promise that it had. With no marketing support and no compelling reason for adoption, this initiative is floundering at the moment. Many other large players announced initiatives and ran pilots with big fanfare, but never showed traction and all initiatives were ultimately discontinued.Some of the early examples are the famous vending machines at the Helsinki airport supported by a system from Nokia. Siemens made announcements in conjunction with listed and high-flying German e-commerce company, Brokat. Brokat also won the lucrative Vodafone contract in 2002, but crashed soon afterwards when it runs out of funds. Israel (as can be expected) produced a large number of mobile payment start-ups. Of the many, only one survived – Trivnet. Others like Adamtech (with a technically sound solution called Cell pay) and Paytt disappeared after a number of pilots but without any successful production deployments.Initiatives in Norway, Sweden and France never got traction. France Telecom launched an ambitious product based on a special mobile phone with an integrated card reader. The solution worked well, but never became popular because of the unattractive, special phone that participants needed in order to perform these payments. Since 2004, mobile banking and payment industry has come of age. Successful deployments with positi ve business cases and big strategic impact have been seen recently. 3. 7 ————————————————- Mobile Banking servicesMobile banking can offer service such as the following: Account information: i. Mini- statement and checking of account history ii. Alerts on account activity or passing of set thresholds iii. Monitoring of term deposits iv. Access to loan statements v. Access to card statements vi. Mutual funds/equity statement vii. Insurance policy management viii. Pension plan management ix. Status on cheque, stop payment on cheque. Payment and transfers: i. Domestic and international fund transfers ii. Micro-payment handling iii. Mobile recharging iv. Commercial payment processing v. Bill payment processing i. Person to Person payment Investment: i. Portfolio management service ii. Real-time stock quotes iii. Personalized alerts and notification on security prices Support: i. Status of request for credit including mortgage approval, and insurance ii. Coverage iii. Check (cheque) book and card requests iv. Exchange of data messages and email, including complaint submission and tracking v. ATM location Content service: i. General information such as weather up dates, news ii. Loyalty-related offers iii. Location-based services ————————————————- . 8 Basic Mobile Banking Technologies There are four fundamental approaches to mobile banking. The first two rely on technologies that are standard features on almost all cell phones. Interactive Voice Response (IVR): If we have ever called our credit card issuer and meander through a confusion of prompts — â€Å"For English, press 1; for account information, press 2† – then you’re familiar with interactive voice response. In mobile banking, it works like this: Banks advertis e a set of numbers to their customers. a) Customers dial an IVR number on their mobile phones. ) They are greeted by a stored electronic message followed by a menu of options. c) Customers select an option by pressing the corresponding number on their keypads. d) A text-to-speech program reads out the desired information. IVR is the least sophisticated and the least â€Å"mobile† of all the solutions. In fact, it doesn’t require a mobile phone at all. It also only allows for inquiry-based transactions, so customers can’t use it for more advanced services. ————————————————- 3. 9 Mobile Banking Business Model Banking models is evolving.If mobile banking is being used to attract low-income populations in often rural locations, the business model will depend on banking type. These models differ primarily on the question that who will establish the relation ship (account opening, deposit taking, lending etc. ) to the end customer. Bank-focused model The bank-focused model emerges when a traditional bank uses non-traditional low-cost delivery channels to provide banking services to its existing customers. Example: range from use of automatic teller machines (ATMs) to internet banking or mobile phone banking to provide certain limited banking services to bank’s customers.Bank-led model The bank-led model offers a distinct alternative to conventional branch-based banking in that customer conducts financial transactions through mobile phone instead of at bank branches or through bank employees. This model promises the potential to substantially increase the financial services outreach by using retailers or mobile phones. Non-bank-led model The non-bank-led model is where a bank has a limited role in the day-to-day account management. Typically its role in this model is limited to safe-keeping of funds.Account management functions ar e conducted by a non-bank who has direct contact with individual customers. ————————————————- 3. 10 Advantage of Mobile Banking The biggest advantage that mobile banking offers to banks is that it drastically cuts down the costs of providing service to the customers. For example an average teller or phone transaction costs about $2. 36 each, whereas an electronic transaction costs only about $0. 10 each. Additionally, this new channel gives the bank ability to cross-sell up-sell their other complex banking products and services such as vehicle loans, credit cards etc.For service providers, Mobile banking offers the next surest way to achieve growth. Countries like Korea where mobile penetration is nearing saturation, mobile banking is helping service providers increase revenues from the now static subscriber base. Service providers are increasingly using the complexity of their supported mobile banking services to attract new customers and retain old ones. A very effective way of improving customer service could be to inform customers better. Credit card fraud is one such area.A bank could, through the use of mobile technology, inform owners each time purchases above a certain value have been made on their card. This way the owner is always informed when their card is used, and how much money was taken for each transaction. Similarly, the bank could remind customers of outstanding loan repayment dates, dates for the payment of monthly installments or simply tell them that a bill has been presented and is up for payment. The customers can then check their balance on the phone and authorize the required amounts for payment. The customers can also request for additional information.They can automatically view deposits and withdrawals as they occur and also pre- schedule payments to be made or cheques to be issued. Similarly, one could also request for s ervices like stop cheque or issue of a cheque book over one’s mobile phone. There are number of reasons that should persuade banks in favor of mobile phones. They are set to become a crucial part of the total banking services experience for the customers. Also, they have the potential to bring down costs for the bank itself. Through mobile messaging and other such interfaces, banks provide value added services to the customer at marginal costs.Such messages also bear the virtue of being targeted and personal making the services offered more effective. They will also carry better results on account of better customer profiling. Yet another benefit is the anywhere/anytime characteristics of mobile services. A mobile is almost always with the customer. As such it can be used over a vast geographical area. The customer does not have to visit the bank ATM or a branch to avail of the bank’s services. Research indicates that the number of footfalls at a bank’s branch h as fallen down drastically after the installation of ATMs.As such with mobile services, a bank will need to hire even less employees as people will no longer need to visit bank branches apart from certain occasions. With Indian telecom operators working on offering services like money transaction over a mobile, it may soon be possible for a bank to offer phone based credit systems. This will make credit cards redundant and also aid in checking credit card fraud apart from offering enhanced customer convenience. The use of mobile technologies is thus a winwin proposition for both the banks and the bank’s customers.The banks add to this personalized communication through the process of automation. For instance, if the customer asks for his account or card balance after conducting a transaction, the installed software can send him an automated reply informing of the same. These automated replies thus save the bank the need to hire additional employees for servicing customer need s. ————————————————- 3. 11 Disadvantage of Mobile Banking Security: Security experts generally agree that mobile banking is safer than computer banking because very few viruses and Trojans exist for phones.That does not mean mobile banking is immune to security threats, however. Mobile users are especially susceptible to a phishing-like scam called â€Å"smishing. † It happens when a mobile banking user receives a fake text message asking for bank account details from a hacker posing as a financial institution. Many people have fallen for this trick and had money stolen through this scam. Online banking is usually done through an encrypted connection so that hackers cannot read transmitted data, but consider the consequences if your mobile device is stolen.While all banking applications require us to enter a password or PIN, many people configure their mobile device s to save passwords, or use insecure passwords and PINs that are easy to guess. Compatibility: We need a smart phone to get the most out of mobile banking. Mobile banking is not available on every device. Some banks do not provide mobile banking at all. Others require you to use a custom mobile banking application only available on the most popular smart phones, such as the Apple iPhone and RIM Blackberry. Third-party mobile banking software is not always supported.If we do not own a smart phone, the types of mobile banking we can do are usually limited. Checking bank account balances via text message is not a problem, but more advanced features such as account transfers are generally not available to users of â€Å"dumb phones. † Cost: The cost of mobile banking might not appear significant if we already have a compatible device, but we still need to pay data and text messaging fees. Some financial institutions charge an extra fee for mobile banking service, and we may need to pay a fee for software. These extra charges quickly add up, especially if we access mobile banking ———————————————— 4. 1 Incentive disbursement utilizing Mobile Banking DBBL providing incentive disbursement services by utilizing mobile banking. This is very quick & convenient process of incentive disbursement. Some companies are signed agreement with DBBL for this service. Such as: Dutch-Bangla Bank (DBBL) and D. Net has signed an agreement on August 07, 2012 on Mobile Banking Services at the Head Office of DBBL. The agreement was signed by Dr. Ananya Raihan, Executive Director of D. Net and Mr. K. S. Tabrez, Managing Director of DBBL on behalf of their respective organizations.Under this agreement, field level agents of D. Net will receive their commission in their DBBL Mobile Banking Accounts. After receiving their incentive, commission, salary in their mobile account s, the agents will be able to withdraw/ deposit cash from any nearby agent or DBBL branches, withdraw money from any DBBL ATM, transfer money to other mobile accounts, buy goods and services from retailers and pay utility bills throughout the country and moreover will get the opportunity of â€Å"Banking with a bank†. Dr. Ananya Raihan, Executive Director of D. Net and Mr. K. S.Tabrez, Managing Director of DBBL sign on behalf of their respective organizations. ————————————————- 4. 2 Salary payment utilizing Mobile Banking DBBL providing salary payment services by utilizing mobile banking. This service makes quick salary payment to large number of employee in organization. Some company signed agreement with DBBL for this service. Such as: Dutch-Bangla Bank (DBBL) and  Bengal  Group of Industries have signed an agreement on Mobile  BankingServices at the DBBL He ad Office on June 06, 2012. The agreement was signed by Mr. Humayun Kabir, Director, Bengal Group of Industries and Mr.Mir Mominul Huq, Head of Mobile Banking, DBBL on behalf of their respective organizations. Under this agreement, employees of  Bengal  Group  of Industries will receive their monthly salaries in their DBBL Mobile Banking Accounts. After receiving their salaries in their mobile accounts, employees will be able to withdraw/ deposit cash from any nearby agent, DBBL branches and ATMs, transfer money to other mobile accounts, buy goods and services from retailers and pay utility bills throughout the country and moreover will get the opportunity of banking with a bank. Mr. Mir Mominul Huq, Head of Mobile Banking and Mr.Humayun Kabir, Director, Bengal Group of Industries, DBBL on behalf of their respective organizations. ————————————————- 4. 3 Real Cardless ATM Transaction utilizing Mobile Banking At DBBL, the mobile banking customers physically go to an ATM, push the †Mobile Banking† marked button, type their mobile account number, the amount to withdraw, their PIN and push the â€Å"Correct† marked button. The customers then receive a Push-sms or IVR call to their mobile phone from the Mobile Banking system requesting them to type their PIN again on their mobile phone.The customers then type their PIN and the ATM dispenses the requested money. In the DBBL process, the customers operate the ATM using their mobile phone instead of a debit or credit card. DBBL has innovated a real cardless ATM transaction for the first time in the world which is AML compliant, convenient and secure, protecting you from the risk of ATM frauds like skimming. Real Cardless ATM Transactions For the first time in the world. ——————————————â₠¬â€Ã¢â‚¬â€- 4. 4 Prepaid Top-UP utilizing Mobile Banking.All the Dutch-Bangla Bank Mobile Banking account holders no longer have to take the time and trouble of finding and visiting a nearby location to top-up their mobile phone talk time/airtime. With the convenience of Dutch-Bangla Bank Mobile Banking, they can top up their own or someone else’s talk time/ airtime free of charge. anytime. anywhere. Top-up using with Mobile Banking. ————————————————- 5. 1 Implementation of Mobile Banking through Rural People Rural poor people living on less than 140 taka a day, they can receive banking services via their mobile phones.It probably won't happen, but it would be amazing if it did. ? Increase Interest to Use: Many rural people heard about mobile banking. But they yet have not felt that they should use it as they are happy to use traditional banking system. Some peopl e feel interest to use it. About 55% people feel they should use it and 45% people haven’t feel to use mobile banking. ? Make easy transfer of money: The problem of domestic remittances is often overlooked. large cities like Dhaka are home to millions of migrants who would love to send money back to their families elsewhere in the country but who are unbanked and have no real means of doing so.But they want to send money to village. The ability to remit money domestically with little more than a text message could be revolutionary. ? Transfer international remittance: People’s international remittances, which already a big part of national income, can be transferred by mobile phone to their relatives. Mobile banking has ability to send money directly from mobile phone to mobile phone is orders of magnitude easier and cheaper. ? Reduce Cost and increase saving: About 75% rural people are poor, they lives under poverty line.It is convenient, affordable and it is much mor e effective in developing savings habits, it will make access to banking and advanced payment transactions at affordable cost. All people know that its cost is not higher than traditional banking. Around 56% people say its cost is lower, 20% say same and 24% say it is affordable than traditional banking. ? Make them banked: Then there's the emphasis on the rural people to introduce in banking. Although the rural people are more likely to be unbanked and therefore in need of mobile banking services, they haven't been directly targeted by many of the first wave of mobile banking providers.The rural people, of course, are both a new customer segment and generally the very last adopters of any new technology. It's hard to sell banking services to someone who neither knows nor understands what a bank is. ? Motivate them to use their Accounts: Another risk is that the goal will be reached but in name only, people might have mobile-banking accounts, and might even automatically get such an account when they get their phone. But the accounts might not be used, and in so far as they are used, they might be use only for payments and not for real banking services.So they have to be motivated. ? Make it easy to use: It is much more effective in developing savings habits. Its using system is also easy. Anyone can use it. Poor rural people are often not considered viable customers by the formal financial sector as their transaction sizes are small, and many live in remote areas beyond the reach of banks branch networks. ? Aware them that Mobile Banking is better than Traditional Banking: Mobile banking is real time on-line banking. Show them how mobile banking is on-line banking and it takes less time than traditional banking.It will make access to banking and advanced payment, transactions at affordable cost. ? Introduce Time Saving banking: Mobile banking is available anytime, anywhere throughout the country. So it can save one’s time. But about 70% people think th at mobile banking can save their time, where as 30% think it cannot save time. ? Make secure and trust worthy banking: Make mobile banking much safer and safeguard against fraudulent transactions, and one can trust mobile banking as traditional banking system. Show them it has secured pin code which is known by the user, and also has a check digit without it no one can deposit money.The poor rural people often have greater familiarity and trust with mobile phone companies than formal banking institutions. ?Save them from unnecessary harassment: Informal banking services such as microfinance and village savings and loan associations remain limited in their reach. So, mobile banking system develops to bring poor rural people into banking system. 83% people face or heard no problem to use mobile banking. But 17% people heard or face problems to use it like sometimes transaction do not reach at time, cannot operate it easily as traditional banking. Make a promise to serve better: The pr omise of mobile banking for the rural people is that mobile phone providers have managed to get a degree of penetration among the country's rural people. Mobile phone providers are likely to continue in the direction they're headed in at the moment, staying away from banking regulation, confining themselves largely to payments rather than fully-fledged banking, and targeting their entire customer base without any particular emphasis on the bottom of the pyramid.Will the mobile phone companies sign on, even if they see lots of regulatory headaches and very few profits by doing so? The answer to that question could be the given by the mobile companies and banks. ————————————————- 5. 2 Benefits of Mobile Banking in Prospective of rural people. Mobile banking has several benefits for peoples, specially for rural poor people: ? Mobile banking Makes Life Easier: It is real time on-line banking, available anytime, anywhere throughout the country. It is convenient, affordable and secure; it is much more effective in developing savings habits ?Speedy and safeguard: It will make access to banking and advanced payment transactions at affordable cost. It is much safer, speedy and safeguard against fraudulent transactions. All of the characteristics of mobile banking make life easier. ? Secure: In mobile banking is Secure, a confidential pin code is used by the user. PIN ensures security of money and protects fraudulent transactions. So mobile banking is fully secured. ?Any time access: One benefit of mobile banking is a very speedy process. Transaction can be done anytime anywhere quickly in less time. 00% people believe that it is a speedy process. ? Small account for poor: Mobile banking started with the idea to bring the poor rural under the umbrella of banking sector especially rural poor as there are not much bank facilities, also there savings is low so th ey feel shy to go to bank. ? Easy to use: Its using system is also easy. Anyone can use it. ? Easy way to send money: People are like to send money easily to their relatives; Mobile banking has ability to send money directly by mobile phone. People can get the service of easy transferring money through mobile banking. Remittance transfer: International remittances can be transferred by mobile phone to one country to another. Mobile banking has ability to send money directly from mobile phone to mobile phone. ? Increase banking activities: Although the rural people are unbanked by mobile banking services they are converted into banked people. It is developing savings habits, it will make access to banking and advanced payment transactions. ————————————————- 5. 3 Challenges for a Mobile Banking Solutions Key challenges in developing sophisticated mobile banking applications are: . Handset operability: There are a large number of different mobile phone devices and it is a big challenge for banks to offer mobile banking solution on any type of device. Some of these devices support Java ME and others support SIM Application Toolkit, a WAP browser, or only SMS. Initial interoperability issues however have been localized, with countries like India using portals like R-World to enable the limitations of low end java based phones, while focus on areas such as South Africa have defaulted to the USSD as a basis of communication achievable with any phone.The desire for interoperability is largely dependent on the banks themselves, where installed applications (Java based or native) provide better security, are easier to use and allow development of more complex capabilities similar to those of internet banking while SMS can provide the basics but becomes difficult to operate with more complex transactions. There is a myth that there is a challenge of interoperab ility between mobile banking applications due to perceived lack of common technology standards for mobile banking.In practice it is too early in the service lifecycle for interoperability to be addressed within an individual country, as very few countries have more than one mobile banking service provider. In practice, banking interfaces are well defined and money movements between banks follow the IS0-8583 standard. As mobile banking matures, money movements between service providers will naturally adopt the same standards as in the banking world. On January 2009, Mobile Marketing Association (MMA) Banking Sub-Committee, chaired by CellTrust and VeriSign Inc. published the Mobile Banking Overview for financial institutions in which it discussed the advantages and disadvantages of Mobile Channel Platforms such as Short Message Services (SMS), Mobile Web, Mobile Client Applications, SMS with Mobile Web and Secure SMS. 2. Security: Security of financial transactions, being executed fr om some remote location and transmission of financial information over the air, are the most complicated challenges that need to be addressed jointly by mobile application developers, wireless network service providers and the banks' IT departments.The following aspects need to be addressed to offer a secure infrastructure for financial transaction over wireless network: * Physical part of the hand-held device. If the bank is offering smart-card based security, the physical security of the device is more important. * Security of any thick-client application running on the device. In case the device is stolen, the hacker should require at least an ID/Password to access the application. * Authentication of the device with service provider before initiating a transaction. This would ensure that unauthorized devices are not connected to perform financial transactions. User ID / Password authentication of bank’s customer. ? Encryption of the data being transmitted over the air. * Encryption of the data that will be stored in device for later / off-line analysis by the customer. * One-time passwords (OTP’s) is the latest tool used by financial and banking service providers in the fight against cyber fraud. Instead of relying on traditional memorized passwords, OTPs are requested by consumers each time they want to perform transactions using the online or mobile banking interface. When the request is received the password is sent to the consumer’s phone via SMS.The password is expired once it has been used or once its scheduled life-cycle has expired. Because of the concerns made explicit above, it is extremely important that SMS gateway providers can provide a decent quality of service for banks and financial institutions in regards to SMS services. Therefore, the provision of service level agreements (SLAs) is a requirement for this industry; it is necessary to give the bank customer delivery guarantees of all messages, as well as measurements on the speed of delivery, throughput, etc. SLAs give the service parameters in which a messaging solution is guaranteed to perform. . Application distribution: Due to the nature of the connectivity between bank and its customers, it would be impractical to expect customers to regularly visit banks or connect to a web site for regular upgrade of their mobile banking application. It will be expected that the mobile application itself check the upgrades and updates and download necessary patches (so called â€Å"Over the Air† updates). However, there could be many issues to implement this approach such as upgrade / synchronization of other dependent components. ————————————————- 5. Problems to implement of Mobile Banking through rural people Key challenges in developing a sophisticated mobile banking application through rural people are: * Poverty: Poverty is a main pr oblem of 3rd world country like Bangladesh. Rural people are not able to buy their food easily, so how they can buy a mobile phone or open a account in bank? * Illiterate people: A big amount of rural people are illiterate, so they are not aware of banking system yet. So they are not interested in mobile banking system. * Weak infrastructure: The socio economic infrastructure is very weak in Bangladesh.About more than 80% rural people has no account in traditional banking system, where mobile banking is a new concept, people have doubt about mobile banking. * Lack of trust: As it is a new method of banking people haven’t 100% faith on it. So, people don’t want to take any risk by giving suggestion to use it. Rural people feel it will not make life easier as it may not be trust worthy and it is not secured as they cannot fully trust on online banking than traditional banking system. * Lack of awareness: The rural people have lack of awareness they feel upper class or mi ddle class people can use mobile banking. Operating complexity: Handset operability is a vital problem of Mobile Banking There are a large number of different mobile phone devices and it is a big challenge for banks to offer mobile banking solution on any type of device. There is a problem that there is a challenge of interoperability between mobile banking applications due to perceived lack of knowledge in technology standards for mobile banking. * Security: Security of financial transactions, being executed from some remote location and transmission of financial information over the air, are the most complicated challenges that eed to be addressed jointly by mobile application developers, wireless network service providers and the banks' IT departments. When Security of any thick-client application running on the device. In case the device is stolen, the hacker should require at least an ID/Password to access the application. Banks unable to meet the performance and reliability ex pectations may lose customer confidence. 6. 0 ————————————————- Mobile Banking at a Glance ————————————————- 6. 1 What is Mobile Banking?Mobile banking is a Banking process without bank branch which provides financial service to unbanked communities efficiently and at affordable cost. To provide banking and financial service through mobile technology devices i. e mobile phone called mobile banking. ————————————————- 6. 2 Benefits of Mobile Banking: * Real time on-line banking. * Available anytime, anywhere throughout the country. * It is convenient, affordable and secure. * It is much more effective in developing saving habits. * It will make access to banking and advanced payment transactions at affordable cost. It is much safe, speedy and safeguard against fraudulent transactions. 6. 3 ————————————————- What does DBBL Mobile Banking offer? * Customer Registration. * Cash-in (Cash deposit). * Cash-out (Cash withdrawal) * Foreign Remittance. * Salary disbursement. * Person to person transfer (P2P). * Mobile Top-Up. * Balance inquiry. 6. 4 ————————————————- Where to register? Customer can register at any authorized agent point of DBBL who can display â€Å"DBBL Agent Certificate† and â€Å"DBBL Mobile Banking Banner†. . How to register mobile account? * Customer fills up the KYC Form and submits to agent along with his or her photograph and national ID. * Agent goes to Customer Registration Menu fr om his or her mobile and inserts customer’s mobile number. * Customer receives an IVR call or USSD prompt and in reply, she or he gives 4-digit PIN number at his or her choice. * A Mobile Account is created in DBBL system which is his or her mobile number +one check digit. * Customer receives a confirmation SMS which contains his or her Mobile Account Number. 2 . Why PIN is required?PIN is required to be inputted during cash withdrawal from an Agent Point of DBBL or DBBL Branch or DBBL ATM. PIN ensure security of your money and protect fraudulent transactions. 3. Why PIN is strictly confidential? PIN is the key for transaction of Mobile Banking. Only correct match of PIN & Mobile Number can access the Mobile Account. PIN is needed to verify the A/C owner by the system. If a PIN is disclosed, respective account is at risk; therefore, PIN should be handled very carefully. 4. Why Check Digit? Mobile number is public and known to many people.Without knowing your check digit, none will be able to deposit money at your account, thus it helps to keep your mobile account confidential. On the other hand, a check digit eliminates typing error, thus protects sending or depositing money to a wrong account. 5. Which Telco’s Mobile can be registered? Customer having any mobile from any mobile operator can be registered for DBBL Mobile Banking at any nominated agent point of the bank. 6. What are the necessary documents for registration? * Duly filled in KYC form. * Photograph of account holder. National ID or any other acceptable ID with photograph. 7. What is my Mobile Account Number? Your mobile account number is your mobile number with an additional check digit. For example, if your mobile number is 01233445566 and check digit is 3, then your mobile number account will be 012334455663. 8. What type of mobile set is required? Any type of mobile set can be used for DBBL mobile banking. 9. How much initial deposit is required? Customer can open a DBBL Mobile A ccount with an initial deposit of taka 100/- (one hundred) only. 10. Can I deposit and withdraw money immediately after registration?You can deposit money immediately after registration. However, you can withdraw after your account is fully registered. Bank officer verify the information on the registration form (KYC form) and authorizes the account for full registration. Normally 1-2working days are required for full registration. After your account is fully registrated, you will get an SMS notification. ————————————————- 7. 1 Findings 1. Maximum people are unknown with DBBL Mobile Banking. 2. Maximum rural people are illiterate. 3. DDBL Mobile Banking only provides Savings Account facility not others. . DBBL not providing merchant payment service. 5. Sometimes facing network problem. 6. DBBL do not sanction loan by Mobile Banking. 7. Cash inflow & outflow charge is highe r. 8. Hide information/ Not provide real information. 9. Difficult to collect necessary information. 10. Limited number of Mobile Banking Branch. ————————————————- 7. 2 Recommendations After reviewing these problems, we can follow the following recommendations: ? Increase Awareness: The rural people have lack of awareness and they haven’t much faith on it.So banks and mobile phone companies and government have to make them aware about mobile banking. ? Interest to Use: Banks and mobile phone companies and government have to promote the mobile banking system and grow interest in peoples mind. ? Develop infrastructure: The socio economic infrastructure is very weak. Government has to develop the infrastructure to ensure education to all and then people can gather knowledge and they can remove their doubt about mobile banking. ? Make easier to use: Mobile banking syste m is easy, but to rural people it is not so easy to use.Mobile companies and banks have to make the process easier than now. ? Reduce cost: I think the current mobile banking provider DBBL charge much for transaction. To grow interest in peoples mind transaction cost has to reduce. ? Security: Security is the main barrier which has to ensure for mobile banking process. And many people have doubt in their mind about that. So the process has to make more Trust Worthy ? Campaign: Rural people are not aware about banking system. About more than 80% of people has no account in traditional banking system, where mobile banking is a new concept.So it is essential to make campaigns in village to village to aware them. ? Tell the people about the benefits: Mobile banking is a banking process that offers financial services like cash deposit, cash withdrawal, merchant payment, utility payment, salary disbursement, remittance inflow and outflow and government allowance disbursement through mobil e gadgets. ? Develop operability: Make easy and effective operating of mobile phone to banking like using Short Message Services (SMS), Mobile Web, Mobile Client Applications, SMS with Mobile Web and Secure SMS will increase mobile banking activities. Ensure security through wireless network: The physical security of the mobile device is more important. Security of any ID/Password is more important. ? Ensure reliability: With mobile banking, the customer may be sitting in any part of the world (true anytime, anywhere banking) and hence banks need to ensure that the systems are up and running in a true 24 x 7 fashion will increase banks performance and reliability of customer. ————————————————- 7. 3 Conclusion The growth of mobile banking technology is increasingly hard to ignore.Analyst firm & Research reports that nearly 50 percent of all mobile users in the United States will be using mobile banking within four years use mobile financial services today. With the advent of technology and increasing use of smart phone and tablet based devices, the use of Mobile Banking functionality would enable customer connect across entire customer life cycle much comprehensively than before. Mobile banking can play a vital role both banking and mobile sector. It has also impact on social sector too. One day Mobile banking will make rural people’s life easier than today.Although it has been tried on the best level to make this report informative and better but limitations are inevitable for any report. Finally, we would like to say the overall performance of DBBL Mobile Banking section is excellent. Their progressive trends are quite consistent and steady. This will help the Bank and facilitate as a market leader in Banking sector. ——————————————— - Abbreviations DBBL=Dutch-Bangla Bank Limited. KYC= Know Your Customer. IVR= Interactive Voice Response. USSD=Unstructured Supplementary Service Data.UISC=Union information and Service center. P2P=Person to person. ATM=Automated Teller Machine. PIN=Personal identification number. ————————————————- Questionnaire 1. DBBL Mobile banking division can provide services according to customer demand. * Yeas * No 2. What are the major constraint’s of mobile banking? †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 3. What are the objectives of DBBL ? †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 4. How many mobile Banking Account DBBL have? †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 5. What is the latest service of DBBL Mobile Banking? †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 6. Is rural people can easily adopt DBBL Mobile Banking service. †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 7. What is DBBL Future plan ? †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 8. What new service DBBL want to add with existing service? †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 9. Is Mobile Banking Division of DBBL profitable . †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 10. What are the major problem can you face? †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 11. What are the difference between DBBL Mobile Banking and bkash ? †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚ ¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 12.What are the security measure taken from DBBL for Mobile account? †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 13. How do you provide foreign Remittance and Air – Time Top- up service? †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 14. What are the CSR activities DBBL perform? †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 15. How DBBL Sanction loan to its customer by Mobile banking? †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 16. Why DBBL can’t sign deal with Gramen Phone and Robi ? But they are holding first and se cond position among Mobile phone operator. †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 17.In case of traditional Banking there is no charge for deposite or withdraw but in Mobile Banking customer have to pay charges for both deposite or withdraw. Why? †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. ————————————————- Bibliography References: Dutch-Bangla Bank Ltd. (DBBL) Mobile Banking Office , Agrabad , Chittagong. 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