Thursday, September 3, 2020

Marketing and Entrepreneurship for Clean Environment-myassignmenthelp

Question: Talk about theMarketing and Entrepreneurship for Clean Environment. Answer: One of the non-benefit associations that were built up to keep the nation clean from the waste items is Clean Up Australia (Clean Up Australia Day - Official Site, 2017). So as to keep the pattern they need to assemble joint effort with the associations, networks and the legislature. Among the 7Ps of executing showcasing, this association follows advancement technique in a powerful manner (Develop an advertising procedure | Business Queensland, 2017). As indicated by my point of view, this methodology will assist them with achieving their goals in spreading mindfulness about the need of a perfect domain. The trust and the cause are the trading components between these non benefit associations and other promoting associations which will help them prevail in their objective. As far as gaining benefit, this organization goes through the altruistic cash by purchasing types of gear that will be utilized in cleaning the earth and the nation, rather than making any benefit. Billabong is a notable business brand shaped by Gordon and Rena Merchant from Australia in 1973 (Payne, 2014). The Billabong is a riding organization that principally manages attire retailer that produces frill, for example, snowboard, skateboard, watches and knapsacks. In any case, the center business has broken over the most recent couple of years. As indicated by me, todays youth don't discover the item any longer cool to wear. The explanation for the breaking down business isn't the over valued items yet the impassion among the clients with a delayed move from the styles roused by surfing. Clients visiting the referenced site don't discover any audits in regards to the items whether these are protected and legitimate. In this manner, to my conclusion these elements restrain the Billabong to construct relationship with the objective clients (Industry, 2017). One of the successful approaches to gauge the appropriation of salary among individuals of the general public is to figure the decile proportion. It is significant for the organization to gather monetary and money related information from the representatives and Labor hours from Northern Territory of North island of New Zealand. This type of essential information can be gathered with the assistance of Survey investigation from all the laborers and workers in the individual district (Vanek et al. 2014). It is significant for the assessors, who are answerable for gathering information to fix up on their zone of information assortment. The organization need to allude to the administration report of Survey examination and other significant financial report that are made in the wake of gathering information from the separate zone. It is likewise imperative to assess the essential wellspring of pay for the individuals. This can assist with guaranteeing that appropriate examination of the i nformation is finished. The organization likewise need to recognize whether there is any imbalance in the salary level of the individuals. The organization additionally need to enroll appropriate information examiner, who will have the aptitude to give itemized data from the factual report which is acquired from government records and overview investigation (Atkinson Bourguignon, 2014). Settle, Pepsi Unilever are as of now, three of the major FMCG worldwide brands. The objective client for Nestle incorporates all the individuals who are profoundly cognizant about the wellbeing as a large portion of the items are identified with wellbeing and dietary enhancements and infant items. So as to assist the section the market, it is basic for the Nestle to focus on the more youthful ages, who are enthusiastic about acceptable wellbeing (News Feed, 2017). The Pepsi then again utilizes the procedures of mass promoting as they sell refreshment drinks that can be devoured by a wide range of individuals. As in the ongoing occasions, Pepsi is propelling refreshment drinks with low sugar and calorific worth, it is basic that they section the market by focusing on the wellbeing cognizant individuals. Unilever is an organization, which sells a wide scope of items that is identified with individual and home consideration classification. The organization for the most part utilizes the methods of mass advertising so as to pull in greatest potential clients. There are likewise hardly any expensive extravagance result of the organization, which is focused on the individuals of rich area of the general public. Out of these three brands the promoting strategy of Unilever is the best as they utilize various strategies for advertising. The Pepsi has the most exceedingly awful positioning because of the way that they don't give message to a specific gatherings of clients (About, 2017). The age of the gen X-ers includes populace of roughly 80 million individuals who were conceived in the middle of 1946-1964 and effectively influencing the showcasing patterns through decades (Gursoy, Chi Karadag, 2013). In present day world, the segment changes are occurring because of monetary emergency. In any case, Baby Boomers are thought to keep up the pattern by advertising conventional items. Along these lines a portion of the worldwide organizations are accounted for to build their income by following the patterns of Baby Boomers. These children of post war America are anticipated to live long than past age and controls 70% of discretionary cashflow of countries. An exploration by IBIS world gave the instances of the businesses that will profit by this ages propensity for spending, distributed in Booming: Industries Benefiting from the Aging Population. First promoting pattern is related with the Baby Boomers who are independently employed and may plan to offer their stock to support retirement. Along these lines the budgetary counselors, business appraisers and expense organizers are hoping to encounter a blasting income development. Second promoting pattern is the expanded income development of the universal visit organizations that offer outings to the resigned boomers who intended to spend their reserve funds in visiting during their solid phase of life. This will likewise expand the income development for the movement safety net providers through the boomers ready to give high premiums. Next are the non benefit substances, for example, houses of worship, offices for creature reception, destitute havens and training based associations. People born after WW2 increment their income by chipping in youthful ages and giving liberal foundations after their retirement. Children of post war America wellbeing are thought to decrease with age, so the wellbeing organizations are focussed on diminishing clinical uses and encouraging most recent medicines, for e xample, Pharmacy benefits directors (PBMs) that haggles with the medication organizations as far as limits, handling cases and retail organizing, attendant specialists who are take fixed charges with restricted patients. These specialists acquire cash by observing less patients giving customized and uncommon help to the patients (Industries that Could Be Booming as the Baby Boomers Age | Flagel Huber Flagel, 2017). Consequently, along these lines the segment patterns are influencing the universal promoting that benefits the maturing children of post war America. References About. (2017).Unilever worldwide organization site. Recovered 31 August 2017, from https://www.unilever.com/about/ Atkinson, A. B., Bourguignon, F. (Eds.). (2014). Handbook of pay circulation. Elsevier. Tidy Up Australia Day - Official Site. (2017).Cleanupaustraliaday.org.au. Recovered 31 August 2017, from https://www.cleanupaustraliaday.org.au/ Build up a promoting procedure | Business Queensland. (2017).Business.qld.gov.au. Recovered 31 August 2017, from https://www.business.qld.gov.au/running-business/showcasing deals/advertising advancement/methodology Gursoy, D., Chi, C. G. Q., Karadag, E. (2013). Generational contrasts in work esteems and perspectives among cutting edge and administration contact employees.International Journal of Hospitality Management,32, 40-48. Ventures that Could Be Booming as the Baby Boomers Age | Flagel Huber Flagel. (2017).Fhf-cpa.com. Recovered 31 August 2017, from https://fhf-cpa.com/ventures that-could-be-blasting as-the-children of post war America age/ Industry, B. (2017).Billabongs Downfall May Signal The Death Of The Entire Surfwear Industry.Business Insider. Recovered 31 August 2017, from https://www.businessinsider.com/billabong-end surfwear-2013-11?IR=T News channel. (2017). https://www.nestle.com.au. Recovered 31 August 2017, from https://www.nestle.com.au/media/news-feed#itemPerPage=20 Payne, A. (2014). Selling surf, sun and wellness: Queensland's mass-showcase fashion.Fashion Archives,2014(9). Vanek, J., Chen, M. A., Carr, F., Heintz, J., Hussmanns, R. (2014). Insights on the casual economy: Definitions, territorial evaluations and challenges.Women in Informal Employment: Globalizing and Organizing (WIEGO) Working Paper (Statistics),2.

Wednesday, August 26, 2020

Danielle Steel’s novel “Fine Things” Essay

Novel Title: Fine ThingsAuthor: Danielle SteelSummaryBernard Fine is a fruitful unhitched male overseeing of the greatest stores in California. Bernie (epithet) runs into a young lady who is lost and chooses to get her out while. Her mom Liz comes to get her multi year old girl Jane Calloway. The two recently met became companions (Bernie and Liz) and in the long run began to look all starry eyed at and got hitched (a lot to the enjoying of Jane). Everything works out positively and soon after their marriage Liz brings forth a child yet the specialists concluded that Liz needs to remain in the medical clinic for some time and when Bernie inquires as to why, they said that she should be tried for something yet they referenced nothing else to the excessively concerned spouse. After seven days Liz is out of the clinic and with Bernie she discovers that shes a casualty of the lethal infection disease. Liz before long develops so feeble that she looses her life and the long and agonizing excursion for the youthful advance dad Bernie has at last hit the saddest impasse. He attempted to endure his lost of his better half with the assistance of his folks. Bernie experiences no difficulty at all raising Alexander and Jane without anyone else then one day he met Jane’s natural dad, Carter, and Bernie accepts that care ought to be his since Carter surrendered his significant other and little girl some time before. Carter safeguards himself while Bernie doesn’t trust him yet by one way or another the man picks up authority of his girl then out of nowhere Bernie gets notification from his operator that Jane is the center of a medication carrying devastation in Mexico. He asks to the police that he ought to go with them to protect Jane. Bernie drives down to the inn hung tight for some time until the operator at last has Jane out of the inn and back in her father’s arms. Bernie starts to proceed onward inwardly, and gets associated with a lovely specialist, yet Jane is as yet faithful to her mom and can’t acknowledge this new lady however later on understood that his progression father has the right to be upbeat and realized that her late mother would let him to be content with another person. Reaction:The story of the novel isn't a long way from occurring, all things considered. To keep an upbeat and complete family is consistently a test. In this novel, Bernie Fine battles with the lost of his better half from the beginning time of their marriage, leaving him the obligation of bringing up their kids and the yearning of having somebody unique once more. It indicated the powerlessness of a man with regards to losing a big cheese for eternity. Reference: â€Å"Fine Things† by Danielle Steel

Saturday, August 22, 2020

Exploring Mental Health Through Writing

Exploring Mental Health Through WritingWith the advances in science and technology, even exploring mental health has become more important and relevant. As an area of study, it would be a good idea to look into some of the exploratory essay topics that could help people understand what mental health is all about.Understanding mental health would help a lot of people in their daily lives. These days, mental illness is considered as a common occurrence that everyone has to deal with from time to time. People who are not equipped with the proper knowledge are left confused as to what type of issues they should address or why these issues would pop up in their lives. These types of questions can help people gain the knowledge and understanding that is needed to properly approach such issues.Exploring mental health could be useful because this type of topic could not only assist people who are suffering from a mental illness but would also help them to seek the help of mental health profe ssionals if necessary. There are many people out there who suffer from severe depression or anxiety disorders and many have yet to find the correct cure for their issue. However, most of these issues do not come out of nowhere. The person suffering from such issue would have been trying to seek the proper cure for it. Therefore, exploring these topics could help a lot of people get the right information and handle their mental health issues properly.Another issue that is associated with mental health is that it would need to be approached in a way that it could be talked about. In other words, it would be a good idea to try and make this topic more personal. For example, one can try to talk about the past issues that one had gone through when he or she had some mental issues. Talking about the time before the issue came out, could be very helpful in showing the person that his or her mental state might be getting worse.Talking about mental health could also be done through writing a bout a variety of experiences. Some people might consider this to be embarrassing, but by writing such things down, one would be able to share his or her thoughts on the topic. Aside from this, the thoughts would be a lot more personal because it could be written down in one's own handwriting. Thus, it would not be too much of a hassle to write down an essay on mental health.Exploring mental health through writing about personal experiences could also be helpful because it would allow one to get a feel of what his or her mind was thinking about. These kinds of essay topics would definitely offer a sense of comfort as one would be able to read the thoughts that come from one's mind. This would help in revealing the truth of the matter as to why it came out. Therefore, this type of essay could help people with their mental health issues.Exploring mental health through writing could also be used as a method of questioning whether or not one needs to seek professional help in dealing wi th the issues. A lot of people who suffer from such issues do not seek professional help. They might be too embarrassed to talk about their issue. But if they did, they would probably realize that they are indeed the ones suffering from mental illnesses.Exploring mental health through writing could also be done through creativity. It would be a good idea to add creative content to the paper so that it would be more interesting and engaging to read. These topics can truly open up a lot of questions that one could get answers to.

Daily Assignment Essay Example | Topics and Well Written Essays - 750 words - 1

Every day Assignment - Essay Example 3. The Americans rustic economies fortified the components of convention society through various ways, for example, holding social occasions keep up recordings and accounts that may assist the group of people yet to come with understanding their customs. They perform thanks offering functions to strengthen their customs. Further, the keep up historical centers and landmark destinations to cultivate the components of custom society. 4 Slavery and free work influenced social excess as in it encroached a few individuals from the general public whereby, those exposed to subjection to created surplus work which profited the individuals who didn't work. This implies the yield was maldistributed on the grounds that there was inconsistent assignment of assets. 5 The components of order that despite everything exist in the U.S today include: the economy has an incredible segments of the administration. A section from work every other factor of creation are possessed by the state. The administration designs how assets will be circulated among different monetary divisions. 6 The particular contrast between Agricultural society and modern culture is that horticultural society depends on cultivating while Industrial society depends on use of machines to deliver. Further, farming society produces crude materials while modern culture changes over crude materials into completed items. 7 I would consider Serf to have been misused by their Feudal Lords since they were come up short on in spite of doing complex employments. The advantage picked up by Serfs as per Feudal rulers is the advantage of security, spot to remain and land for cultivating. The cost included was that, Serf needed to pay some charge for the utilization of land to the Lords, further they should work in the houses and fields as primitive masters slaves. 8 The contrast among organization and present day business is that, during antiquated periods ladies couldn't be individuals from blame dissimilar to today where ladies are individuals. Organization expected individuals to learn, keep and pass exchange aptitudes to the

Friday, August 21, 2020

California State Law Essay Example for Free

California State Law Essay What Bidders Edge did might be considered as an advancement in the developing electronic business industry. Connecting as what was determined in the article made thinks simpler for greater sites, for example, e-cove to be seen in by a ton people. Summarizing the expectation of Bidders Edge, we could reason that what the organization did is to give the buyer’s the most ideal cost for whatever they need to purchase. All the while, Bidder’s Edge would acquire decisions from different closeout destinations which subsequently included e-sound. I accept that this one made a difference to e-inlet not so much on the feeling that Bidders Edge would trespass as such on e-straight servers however the last would fill in as a danger for e-narrows later on. Basically, customary trespass includes the control, dissemination, or access of private information or property without the endorsement of its proprietor. In this specific case, e-cove is an open area with open access to everybody who has web get to. Then again, individual property implies that anything that is mobile as recognized from land. On account of e-inlet and Bidders Edge, the last requested fro lawful access however was denied by the previous. One thing where Bidders Edge made an off-base move was the point at which they made intermediary clients so as to get to e-inlet servers in this way giving in lawful justification for e-narrows to document a claim under the arrangements of California state laws on licensed innovation encroachments against Bidders Edge. Under California state laws, â€Å"Various things can be copyrighted: writing, show, music, sound chronicles, PC programming, promoting duplicate, films, movement, emulates, and design works†(Witkin, Witkin Legal Institute., West Group., 2005). This gives e-sound the premise to record suit against any individual who plans unapproved utilization of their servers. This is interestingly with the typical reading material definition that trespass to individual property might be modified if the medium might be demonstrated as an open area. Reference: Witkin, B. E., Witkin Legal Institute., West Group. (2005). Rundown of California law (tenth ed.). San Francisco, CA: Witkin Legal Institute.

Jays Treaty Pinckneys Treaty Essay Sample

Jays Treaty Pinckneys Treaty Essay Sample The end of the 18th century was marked as a turbulent period in the history of the human kind. It is the time associated with the French revolution and beginning of industrialization, both of which meant an advent of a new era. Meanwhile, in the United States, shortly after the independence was proclaimed, the Whiskey Rebellion, Jay’s Treaty and Pickney’s treaty were the important events which influenced the American internal and external affairs. The Whiskey rebellion was sparked off by an unpopular excise tax on whiskey introduced by the secretary of the treasury Alexander Hamilton in 1790 and ratified by the Congress in 1791. Farmers who produced whiskey were forced to pay taxes on liquor under the government’s policy to settle the national debt by raising money from tax on import and production of alcohol. Small farmers in the West strongly opposed to the introduction. For the poor people whiskey was a substitute for the currency and a means of livelihood. Unlike the eastern large distilleries that received tax exemption, famers in Pennsylvania could barely make ends meet. First they filed petitions against the law, then refused to pay the tax, and by 1794 became rebellious. In July of the same year they attacked a house of the tax inspector and burnt it down. As a result, George Washington gathered an army comprising the militia from the states of Pennsylvania, New Jersey, Maryland and Virginia, and personally led the 13000 troops into the area. No battle took place because the rebels scattered. However, this was a significant event. It proved that the new government was resolute and capable of oppressing the opposition to the laws that were enforced at that time. The American society approved of Washington’s actions. But rebels were not the only Washington’s concern. Apart from the internal agitations, he was facing a by far graver situation in relations with Britain. The British navy continuously seized American cargo ships in the Caribbean and Atlantic. Nearly 250 merchant ships were captured by the Royal Navy. Moreover, British troops stayed in the western ports of the US borders to protect their trade interests and as a response to the refusal of the States to pay off debts. They also feared that Americans could invade Canada again. George Washington did not want to wage a war on Britain, and for that reason he sent Chief Justice of the Supreme Court John Jay to negotiate terms of a treaty. An agreement that was mutually beneficial was signed on 19 November 1794 in London. It stipulated that merchants from the United States and from Britain had equal access of land on their side of the border. Britain paid for the damage done to the US ships while the United States paid off the pre-war revolutionary debts to Great Britain. The British soldiers were to be removed from the American ports by June 1st 1796. The border issues between Canada and the US were to be resolved by a special committee. The treaty became commonly known as Jays Treaty, and it helped to avoid the impending conflict between the two nations. Pinckney’s Treaty was yet another attempt to get along with another American neighbor â€" Spain. It was signed on October 27th, 1795 and resolved territorial issues between the two countries. Previously American farmers had been denied access to the Mississippi river because Spain was afraid the United States could invade their territory. The Spanish also mustered support of the native Indian tribes against America. As a result of signing Pinckney’s Treaty United States got a right to navigate the Mississippi river, and other border disputes were resolved. By signing the document America committed to alliance with Spain which was weakened by a continuous war with France. The events outlined above helped the government to establish its strength and earn support from the local citizens, encouraged westward expansion and put the United States in a stronger position on the international level while avoiding a possible military conflict with Britain. All of the described is evidence to George Washington’s willpower and a wise international policy that became cornerstone of strength of the United States of America.

Friday, June 5, 2020

Effect of Obamas death on Al-Qaeda - 825 Words

Effect of Obama's death on Al-Qaeda (Essay Sample) Content: Effect of the Death of Osama bin Laden on Al-QaedaAuthorà ¢Ã¢â€š ¬s NameInstitutionThe Effect of the Death of Osama on Al-QaedaAl-Qaeda, one of the worst terrorist organizations in history responsible for committing atrocious terrorist activities and attacks all around the globe was dealt an immense blow when its founding father and controversial leader was killed on May 2 2011 in Abbottabad, Pakistan CITATION Faw11 \l 1033 (Gerges, 2011), five years ago. The terrorist group which has affiliates in different parts of the world had to endure the daunting task of continuing their operations without the guiding hand of their inspirational leader Osama bin Laden. The organization classified as terrorist group by the European Union CITATION Mar11 \l 1033 (Maraia, 2011), and considered illegal in most of the worldà ¢Ã¢â€š ¬s Nations underwent several significant changes after the death of Osama. The killings of Osama send a clear message to the organizations and all its members that the world would not stand still and witness atrocities committed without taking restraining actions.Osama was the founder of Al-Qaeda and had been its leader since the groupà ¢Ã¢â€š ¬s inception, when he died the organization was left with a huge leadership vacuum to fill; Osama had been the groupà ¢Ã¢â€š ¬s cultic figure and the chief orchestrator of all its terrorist activities throughout the years CITATION SSo11 \l 1033 (Sorcher, 2011). His death meant that the group lacked strong leadership; in addition, it led to wrangles between the members on who would occupy the vacant seat left by the founder. In addition, if a new leader is proclaimed he may not be able to exhume the level of appeal seen by the leader; the members might not accept him as Osama was and this will eventually expose the groupà ¢Ã¢â€š ¬s vulnerability to counter terrorism efforts. Osamaà ¢Ã¢â€š ¬s immediate deputy Atiya al Rahman was also killed, Rahman was Osamaà ¢Ã¢â€š ¬s right hand man, a nd he depended on him to organize the execution of any major terrorist activity Al-Qaeda planned CITATION Rob14 \l 1033 (Simcox, 2014).Since the death of Osama, Al-Qaeda has lost bits relevance in the terrorist community; several more atrocious terrorist organizations have gained ground on the organization. Other terrorist groups like Taliban, ISIS, Hezbollah, or Boko Haram have all become more important to counter terrorism efforts than Al-Qaeda leading to people questioning whether Al-Qaeda was all Osama CITATION Bym12 \l 1033 (Byman, 2012). Islamic State ion one of the groups that has enjoyed considerable success after the death of Osama, they now hold major ground in Iraq and Syria boasting of more than 30,000 fighters. In addition, the death of Osama led to many of the affiliated groups losing their loyalty for Al-Qaeda leading to breakdowns and rebellions CITATION Rob14 \l 1033 (Simcox, 2014).It is important to note that Al-Qaeda still carried out terrorists attacks but mos t of these were low-key and never in west or in foreign soil; this was affiliated to the death of Osama and consequent weakening of the group. In addition, his death added renewed vigor to counter-terrorism efforts, security agencies from the United States and its allies like NATO intensified their attacks on Al-Qaedaà ¢Ã¢â€š ¬s and its af...

Sunday, May 24, 2020

ESL Lesson Plan for Short Field Trips

Short field trips to local businesses can help English learners begin to try out their language skills. However, it is a good idea to make sure that your students are prepared before taking these short field trips. This lesson plan helps provide structure to what can quickly become a rather overwhelming event without specific objectives for the field trip. This lesson is meant for classes which are held in English speaking countries. However, there are also a few ideas in the lesson notes on ways in which the lesson might be changed for short field trips in countries in which English is not the primary language. Aim: Developing speaking skills/practicing interactions with native speakers other than the teacherActivity: Short field trips to local businesses/government offices/other sites of interestLevel: All levels except for absolute beginners Lesson Outline Begin the lesson with a short warm up. Ideally, tell the students about the first time you did some shopping or tried to accomplish some task in a foreign language. Ask some of the students to quickly share their own experiences. Using the board, ask students to describe reasons for some of their difficulties. As a class, look for suggestions on how they might plan ahead to deal with such problems in the future. Inform students of the rough outline of your planned short field trip. If there are issues surrounding permission slips, transportation, etc. discuss these at the end of the lesson rather than at this point in the lesson. Choose a theme for the short field trip. If you are going shopping, students should be gathering information around a specific theme. For example, students might look into purchasing a home theater system. One group could explore the options for TVs, another group options for surround sound, another group blue-ray players, etc. Other tasks for short field trips could include: Gathering information on health insurance optionsTrips to the zooVisiting the local employment officePlanning a meal together by going to the marketVisiting a local gym to find out information on workout possibilities, facilities, etc.Visiting a local tourist information centerGoing to a local event such as a state fair As a class, create a list of the tasks that should be accomplished on the short field trip. Its probably a good idea to have already created a basic list on your own before class to get the ideas flowing. Have students break up into groups of three to four. Ask each group to identify a specific task they would like to accomplish from the list you have developed. Have each group divide their own tasks up into at least four separate components. For example, in the example of a visit to a large retailer in order to buy a home theater system, the group responsible for researching TV options might have three tasks: 1) Which size is best for which living situation 2) Which cables are required 3) Warranty possibilities 4) Payment options After each student has chosen a specific task, have them write out questions they think they should ask. This would be a great opportunity to review various question forms such as direct questions, indirect questions, and question tags. Circulate in the room helping students with their questions. Ask each group to role-play the situation switching roles between salesperson, tourist agency representative, employment officer, etc. (depending on the context) Follow-up In Class Here are some ideas to use as follow-up exercises in class or as homework to help solidify what students have learned on their short field trips: Create short role-plays based on their experiencesDraw up vocabulary trees employing new vocabulary used/studied during their preparations and short field tripAsk other students in smalls group to take their roles while they take the role of the shop assistant, employment agency personnel, etc.Short writing assignments summarizing their experienceGroup reports back to class Variations on Field Trips for Non-English Speaking Countries If you dont live in an English speaking country, here are some variations on short field trips: Have students take short field trips to each others place of business. Students ask each other the appropriate questions.Visit local businesses, but have students role-play shop assistant - customer/employment agency officer - citizen/etc.Take short field trips online. There are many sites that offer real-time chat. Have students take advantage of these sites to gather information.

Sunday, May 17, 2020

On Habit By Alain De Botton - 1323 Words

In daily life, we must be able to filter out the multitude of distractions which any physical environment can impose upon our senses. By creating a tunneled vision approach to moving about the environments which are a part of our everyday existence, we can more efficiently complete the tasks which are required of us in our various roles in society. In his essay â€Å"On Habit,† Alain de Botton, writes that people have become habituated in their own daily lives. In his first section he details himself returning from Barbados to London who discovers the weather isn’t what he expected. He expected his mood from the weather of Barbados to stay the same in London. De Botton illustrates that people in general are unhappy when it comes to observing†¦show more content†¦When we limit our focus to everyday experiences we sometimes forget to ask the most basic types of questions. For example, why is this street important for me? Or why did I choose this street? A typica l person would say, â€Å"This street is the fastest way to work. And † When you ask them another question; â€Å"what do you like most about this street?† They would probably just repeat their answer that the street is the fastest way to work..This shows that human beings only focus on a small aspect of their ordinary experiences, rather than focusing on where they are in the world. In his essay, de Botton argues that people can be oblivious to their surroundings and unwilling to look around them. To have a beneficial social structure we have to look at our surroundings with a broader detail because people will forget why they call home; home. Secondly, attempting to change our mindset we have to reconnect our senses to what we call home base. De Botton explains, â€Å"I tried to disassociate my surroundings from the uses I had found for them until then †[63]. This quote implies that a person must remove themselves from the ordinary. They have to look at an ordinary environment as if they are visiting it the first time. Observing an ordinary experience can be quite difficult because you may feel like you know every aspect of it. When a person goes outShow MoreRelatedHabit By Alain De Botton Summary1788 Words   |  8 PagesIn â€Å"Habit† Alain De Botton, the author mentions different ways one could travel without leaving the comfort of their home. The individual will come across the â€Å"traveler’s mindset† and see everything in a new light; what was the ordinary will become wonderous and exciting. One’s ordinary home will no longer be dull but quite entertaining. Developing the travel er’s mindset, one will start reversing the process of habituation; seeing the world through the eyes of the new. â€Å"Possible Worlds: Why do ChildrenRead MoreRough Draft Paper 21327 Words   |  6 Pages24, 2014 Creative Thinking With A Traveling Mindset In Alain de Botton’s essay, â€Å"On Habit† and Adam Gopnik essay, â€Å"Bumping into Mr. Ravioli† explain the way that individuals can think creatively and express their feelings and thoughts into newer meaning and in-depth ideas. They also explain the way that the human race are so engaged in technology and busyness that they are overlooking what really is important to them in their life. De Botton is worried that many people do not go beyond limitationsRead MoreCity Dwellers And Organized Time1661 Words   |  7 Pagesmodern life and this lifestyle tends to fall into the mundane according to Alain de Botton’s â€Å"On Habit† this jadedness is due to the busyness of the average city dweller. Examples of this can be seen in Adam Gopnik’s â€Å"Bumping into Mr.Ravioli.† In â€Å"Bumping into Mr.Ravioli† the reader is able to see how a few residents of New York City deal with their relationships as they get sucked into the busy ness. In Alain de Botton s â€Å"On Habit† he goes over how residence of an area become jaded and bored with theRead MoreEssay on On Habit653 Words   |  3 PagesIn On Habit, Alain de Botton writes about how people become habituated and believe there is nothing left to see or learn about the certain location they are in. In this essay, Botton discovers an attitude to approach places we think we already know, and no longer find interest in. This mindset is intended for the environment you are in, but can also be apply to styles of reading and writing. Botton had arrived to London from a trip to Barbados only to realize his home city hadn’t changed one bitRead MoreHow Proust Can Change Your Life941 Words   |  4 Pagesdesk to start reading your history homework. Next thing you know you wake up and two hours have passed by. While your body might have just been tired, it is likely that you became bored with what you were reading. In Alain de Botton’s book, How Proust Can Change Your Life, de Botton writes about factors that effect a reader’s attention. It is important to be aware of these factors in your own writing so your paper isn’t boring to the reader. THESIS Everyone has experienced insomnia but most likelyRead MoreThe Importance Of Being Influenced By Jane Goodall969 Words   |  4 Pagesshe stayed with chimpanzees, she feels peaceful. The natural environment helps her to get out of the sadness of her husbands (Derek) death. The days in the forest made Goodall believe that religion and science are not mutually exclusive. Alain de Botton in â€Å"On Habit† discusses a traveling mindset, which means that people are more likely to accept and respect new things during traveling. However, when they back home, they lost this traveling mindset, so they feel their lives are boring. Such travelingRead MoreThe Girl Effect : Nicholas D. Kristof And His Wife Sheryl Essay1445 Words   |  6 Pagesspecifically relating to the unfair treatment of women and girls. In this essay â€Å"On Habit,† Alain de Botton may refer to this blindness as a â€Å"home mindset† where we pay very little detail of what surrounds of because weâ₠¬â„¢ve become habituated to the everyday occurrences. Kristof and WuDunn write their essay in order to expose those quotidian cruelties certain cultures have become habituated in their home mindsets. De Botton might have suggested inheriting a â€Å"travelling mindset† for those people who livedRead MoreAnalysis Of On Habit And Adam Gopnik1550 Words   |  7 Pagesis essential in the concept of interaction and also how much we interact and to what degree is also influenced by multiple factors. Both Alain de Botton, the author of â€Å"On Habit† and Adam Gopnik, the author of â€Å"Bumping into Mr., Ravioli† talk about our interaction with our environment and how different mindset perspectives affect this interaction. Both de Botton and Gopnik observe how we become â€Å"blind† to our surroundings be it the place we live or the people we live with because we are too â€Å"busy†Read MoreCan We Have The Coffee Together?1530 Words   |  7 Pagesn amed Charlie Ravioli. Still, Olivia is a three-year-old kid, it is impossible for her to analyze aspects systematically and creatively. However, for some adults, like Alain de Botton, a Swiss philosopher and writer, seeks out an innovative way of traveling mindset to get along with his neighborhoods. Both of Olivia and de Botton get stuck with surroundings they live in. The modern urban grid crystallizes in our thinks and confines people into a preconceived stereotype to hinder close personal connectionRead Moresamplestrongpaper62230 Words   |  9 Pagesattained his dreams because of his goal driven mindset, in which the focus is set on one goal. â€Å"On Habit† by Alain de Botton is about the author’s views on the travelling and habituated mindset. He notices that his life has become dull and limited because of the habituated or goal driven mindset he was in. This mindset consists of not exploring our surroundings making the world seem monotonous. De Botton argues t hat the goal driven mindset is not beneficial because it limits how people perceive the

Wednesday, May 13, 2020

Global Warming And Its Effects - 893 Words

If the whole world starts saving energy at home, we can reduce global warming by a significant amount to keep the global temperature from reaching critical tipping points of temperature. The rising global climate is a problem, and is impacted severely by human actions, specifically the waste of energy in their own homes. Global warming is the term used to describe the increase in the Earth s atmosphere and oceans temperature, which is believed to be permanently changing the Earth s climate (LiveScience). The temperature of the Earth s atmosphere is rising because greenhouse gases are being trapped in the atmosphere, which in turn in also trapping heat in the atmosphere, not able to escape (Scott, 2009). Global warming is a severe problem for the Earth because it causes the regular temperatures to rise, and interferes with ecosystems all over the world, possibly destroying them, if not altering their system. Scientists have reported that the world is heating up even faster than predicted a few years before (Scott, 2009). The global climate change is threatening the production of corn, wheat, rice, and many other grain agricultural crops. Global warming is causing a problem for humans because as the Earth becomes hotter, it kills more crops, and is causing a food shortage as the world’s population increases. Humans are causing global warming directly by utilizing fossil fuels instead of energy efficient sources, and all of the energy that we let escapeShow MoreRelatedGlobal Warming And Its Effects985 Words   |  4 PagesEnvironmental Science Professor Mahoney 11/11/14 Global Warming Over the last few decades global warming has become one of the biggest environmental issues of all times. Every year, global warming gets worse and it’s affecting the way people live, it is affecting the atmosphere in general, and other living organisms in our planet. Global warming is the gradual and increasing rise of the overall temperature of the Earth caused by the greenhouse effect due to the increased levels of carbon dioxide andRead MoreGlobal Warming And Its Effects Essay1040 Words   |  5 PagesGlobal warming is directly causing the rise in temperature of the Earth. The melting of the polar ice caps causes some of the most pressing issues including the endangerment of species indigenous to this region and the rise of ocean levels. Global Warming Global warming is the steady rise of temperature of the Earth’s surface. What exactly causes global warming? Numerous sources fuel global warming, such as deforestation, permafrost, and even sunspots. Obviously, many factors contribute to thisRead MoreGlobal Warming And Its Effects1331 Words   |  6 PagesGlobal Warming Global warming is the causation of the Glaciers melting, sea levels rising, cloud forests drying, and wildlife struggles today. Humans are making this possible because of their release of heat-trapping gasses known as greenhouse gasses by their modern devices. Global warming is the abnormal speedy increase in the Earth’s average surface temperature. It is believed that this is due to the greenhouse gasses that people release into the atmosphere by burning fossil fuels.The greenhouseRead MoreGlobal Warming And Its Effects976 Words   |  4 PagesAs global warming, we understand that is the rise in the average temperature of Earth’s atmosphere and oceans. It has been an immense concerning all over the world for the past decades since the current cycle of global warming is changing the rhythms of climate that humans, animals and plants rely on. Scientists have studied the natural cycles and events that are known to influence the change in climate to discover what i s originating the current global warming. However, the amount and pattern ofRead MoreGlobal Warming And Its Effects1571 Words   |  7 PagesAs global issues today become increasingly controversial, many people are inclined to believe that Global Warming is an issue that can take a backseat to more significant issues that plague today’s society. The information presented throughout my research in regards to the rising sea levels and the melting of glaciers and ice shelves, highly indicates that it cannot. What many Americans fail to realize is that if sea levels continue to rise due to Global Warming, then more than half of LouisianaRead MoreGlobal Warming And Its Effects1544 Words   |  7 PagesGlobal warming is one of the vigorously discussed topic on Earth today. According to a TechMedia Network, â€Å"Global warming is the term used to describe a gradual increase in the average temperature of the Earth’s atmosphere and its oceans, a change that is believed to b e permanently changing the Earth’s climate.† (â€Å"Global Warming †¦ Effects†). We have been witnessing the change in Earth’s climate since past few years, and we are well aware of the consequences of climate change as well. Global warmingRead MoreGlobal Warming And Its Effects1432 Words   |  6 Pageshas an effect on climate change and contributes to global warming. Yet people tend to turn a blind eye to global warming and label it as a myth, whether they do not believe in it or it is not in their best financial interest to believe in it. Let us take a closer look at global warming and the effects it has on our people, homes and environments. Global Warming has become a rising problem in our world’s climate. It’s time we show the initiative to understand the concept of global warming and showRead MoreGlobal Warming And Its Effects928 Words   |  4 PagesGlobal-Warming Mother Earth is burning as we speak; humanity has killed our precious Earth. Global-warming is a vicious killer that was created by the humans on this Earth, and there s no way to cure it. We, as humans, have the power to cleanse the Earth, but instead we destroy it. Heat is absorbed by carbon dioxide and greenhouse gases. A greenhouse gas absorb thermal radiation emitted by the Earth s surface. As the sun s energy reaches the Earth’s surface some of it goes back out into spaceRead MoreGlobal Warming And Its Effects1416 Words   |  6 Pages Global Warming The earth is getting warmer, animals and their habitats are declining, human health is at risk and the cause of all this terror is Global Warming. Global warming will cause many parts of the world to change. In the next 50 years climate change could be the cause of more than a million terrestrial species becoming extinct. Sea levels will raise which means more flooding and is not good for the plants. With too much water the plants will die and herbivores will lose theirRead MoreGlobal Warming And Its Effects1312 Words   |  6 PagesGlobal warming is presenting a lot of environmental and health problems to many countries. A lot of heat gets trapped on earth due to formation of a non-porous layer gases below the atmosphere. The worst effect is felt by developing countries, which are also geographically disadvantaged. The establishment of such countries is on low altitude areas. This position makes developing countries to be direct victims of floods from the melting snow at high altit ude areas. A lot of scientific research associates

Wednesday, May 6, 2020

Art and Architecture in the Middle Ages and Renaissance Essay

The difference between the Middle Ages and the Renaissance is most visible through art and architecture, demonstrated specifically through an emphasis on religion or classical antiquity, and humanity. During the Middle Ages, art was more religious because it had a very religious influence from the church having such great power in the community. When the Renaissance started, art became more focused on ancient Greece. The Greek influence was because scholars were broadly studying the revival of classical antiquity. The architecture was affected in the same way because in the Middle Ages the style of the buildings was being influenced by religion. The style in the Renaissance was being more influenced by ancient Greece. The art and†¦show more content†¦The painting depicts real people doing everyday things, like studying. Classical Antiquity was greatly displayed through another painting it depicts a normal person holding a balance. In the Middle Ages this would have been frowned upon because they discouraged the making of realistic paintings (Follett software). Realistic paintings would not have been introduced to the Renaissance without the humanists studying classical antiquity. Art with biblical themes were popular in the Middle Ages because the artists were also focused on theology. Jesus and Mary were usually the main focus in most paintings. The people in the Middle Ages really appreciated godly looks and tried to incorporate the catholic religion in most if not all of their paintings (class notes). For example, Giotto’s painting Madonna and child displays Mary and Jesus in the center of the painting. Not only are Mary and Jesus in the center, they are also illustrated to be a lot bigger than the angels around them. Giotto wasn’t the only artist to place Mary and Jesus in the center and larger, this was very normal for the Middle Ages. Most artists were very influenced by the church because the church had the highest role in government. Art and Architecture were greatly impacted by the humanist’s study of classical antiquity. The art was changed with the scenes having more of a Greek influence. For example, Botticelli’s Birth of Venus painting, Venus is taking up the whole center of the canvas. In the MiddleShow MoreRelatedThe Influence of Renaissance in Art and Architecture947 Words   |  4 Pagesinfluences of any era is evident through artwork and architecture. During the Middle Ages the main influence was the church, this is evident through the focus on biblical and religious symbols. During the Renaissance the main focus was the study of people. This is shown through the increase in self portraits and classical antiquity-inspired buildings. The change between the Middle Ages and the Renaissance is best shown through the art and architecture, demonstrated specifically through an emphasis onRead MoreUnderstanding The Birth Of The Renaissance996 Words   |  4 PagesUnderstanding the birth of The R enaissance is as simple as understanding that the quality of a straight razor shave is superior to that of a commercially stamped multi bladed razor. Looking retroactively at the years leading up to this rebirth one can note the beginning of reflection the Ancient World and the ins-and-outs of Roman culture. Influencing architecture, art, and social construction, a desire for the classics pulled Europe from the slumping years of the fading High Middle Ages. Actively bringingRead MoreComparison of Two Historical Art Periods1131 Words   |  5 Pages Comparison of Two Historical Art Periods: Middle Ages (Gothic) and Renaissance Architecture Christina Plunkett Western Governors University IWT1 Humanities Task 1 Gothic style came about in the middle of the twelfth century. It was named after the Goths that controlled France during that time. It was developed as a result of Christian ideals. Christian leaders wanted big, tall, ornate churches to represent their strong faith. Later it was also used for non-religious buildingsRead MoreHumanities Essay959 Words   |  4 PagesThe Renaissance and Baroque periods in European history played an important role in the development of humanities in their respectable age. During these periods it established a time of rebirth in humanisms and improvement of cultural accomplishments. The Renaissance period provided artistic freedom and individualism. It began around the 14th century in Italy and spread throughout Europe until the 16th century. Renaissance means â€Å"rebirth† and humanism of the renaissance artist was to express themselvesRead MoreIndividualism And Secularism In The Renaissance867 Words   |  4 Pagesthat were introduced in the Renaissance and became fairly popular with the citizens who had experienced this time period. Secularism and Individualism though separate terms have a lot in common. They both have to do with separation of church from daily life. Secularism separating the government, and individualism pushing people to look less at what the Bible said and more at what was relative to their day to day lives. The emphasis on these two ideas during the Renaissance affected the way people wroteRead MoreItalian Renaissance Italy Essay1160 Words   |  5 PagesIn Renaissance Italy, new attitudes and a â€Å"new conception of life itself† emerged, deeply contrasting the attitudes and ideals of the previous Middle Ages. The Italian Renaissance, which occurred during the fourteenth and fifteenth century, was a complete â€Å"rebirth† of Greco-Roman culture and values. Subsequently, it marked an era of great erudition and broad-mindedness, wherein Italians discovered a profound admiration for artistry and philosophical reasoning, leading to a monumental political, scientificRead MoreRenaissance Time Capsule1187 Words   |  5 PagesRenaissance Time Capsule Rodney A. Mathis HUM/102 June 2, 2014 Dr. Julie Kares Renaissance Time Capsule As part of my introduction to humanities class, I was required to probe for a concealed time capsule from both the Renaissance and the Baroque ages. Thereafter, I was required to identify at least two examples of art, music, architecture, philosophy, and literature depicted during the periods. By doing so, I expected to identify how these examples reflected world events and cultural blueprintsRead MoreThe Influence Of Humanism In The Italian Renaissance853 Words   |  4 Pages The Influence of Humanism on the Visual Arts During the Renaissance, a program of study known as humanism, impacted education, art, politics, and ultimately shaped the Italian Renaissance. Humanism is defined as â€Å"a program of study designed by Italians that emphasized the critical study of Latin and Greek literature with the goal of understanding human nature.†[1] Humanism changed people’s views and allowed them to start portraying people in a more realistic and relatable way. Many artists beganRead MoreThe Renaissance And The Medieval Period1658 Words   |  7 Pages1. What is new about the Renaissance, compared to the medieval period that we studied in the last unit? The word Renaissance means revival or rebirth. This word comes from the European civilizations that follows behind the Middle Ages. It was held to characterize an interest in classical learning and values. The Renaissance dealt with the discovery and exploration of new continents, a decline in the growth of commerce and feudal systems. This new birth of resurrection is considered to have begunRead MoreThe Renaissance : The Age Of Rebirth1426 Words   |  6 PagesThe Renaissance was from the 1300’s to the 1500’s. It started towards the end of the middle ages and the dark ages. It began after the Crusades when the Crusaders came back. The Renaissance was the age of rebirth. The age that consisted of many wonderful things including trade, art, science, architecture, religion, learning, and inventions. The biggest thing though was the trade. Trade began after the crusaders came back from there journey for god bearing many new things from all over Europe. They

Dubai Islamic Bank Report Free Essays

Table of Contents Chapter 1 INTRODUCTION HISTORY2 1. 1) Introduction2 1. 2) Products and Services4 1. We will write a custom essay sample on Dubai Islamic Bank Report or any similar topic only for you Order Now 2. 1) Products4 1. 2. 2) Services6 1. 3) Departments:14 Chapter 2 COMPANY ANALYSIS18 2. 1) SWOT Analysis:18 2. 2) Competitor Analysis21 2. 3) Financial Analysis23 Chapter 3 MARKETING ANALYSIS24 3. 1) Target Market:24 3. 2) Marketing Mix:24 3. 3) Positioning:26 Chapter 4 EXPERIENNCE CONTRIBUTION27 4. 1) Account Opening:28 4. 2) CRO:28 4. 3) Relationship Department:29 Chapter 5 SUMMARY RECOMMENDATIONS30 References32 Appendices†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 33 Chapter 1 Introduction and History 1. 1) Introduction Thirty years ago, Dubai Islamic Bank (‘DIB’) created history by becoming the world’s first Islamic Bank. Today, Islamic banking has become one of the fastest growing economic sectors with over 300 financial institutions, with assets estimated at over US $300 billion providing Islamic financial services. Despite huge growth in the sector DIB continues to be the industry pioneer and undisputed market leader to date. Since its inception, DIB has evolved from a retail bank to a fully fledged bank catering to almost all the requirements of its customers in providing Sharia-compliant solutions to major local and international companies. It has constantly upgraded its services to private individuals, who remain a highly valuable element of DIB’s customer base. By combining the best traditional Islamic values with high-standard technology and innovation, DIB is committed to not only fully comply with the principles of Shari’a in all its financial dealings but to also facilitate its customers who venture into the world of Islamic banking in such a befitting way that they would feel reaping the best rewards of both the worlds. For its outstanding performance and contribution to Islamic financing, DIB received the Best Islamic Bank in the Middle East Award (2006) by both Euromoney’s Islamic Finance Weekly and Gulf Wealth Forum. DIB has also been awarded the Bank of the year (UAE) at the 2006 Banker Awards. DIB has not only been at the forefront of innovation but has excelled every step of he way. With the launch of Al Islami Internet Banking, DIB has re-affirmed its commitment to promote and develop Islamic banking in line with the requirements of the modern age. For these efforts, DIB received the Golden Trophy at the UAE Web Awards in 2006. DIB is also the first to offer a mobile SMS messaging service in both Arabic and English. Moreover, DIB became the first bank in the Middle East to introduce Internet Protocol (IP) for its Visa card operations. With path-breaking vision and bold strategies, DIB aims to enhance its status as a world leader committed to the goal of providing â€Å"World Class Banking. † Dubai Islamic Bank Pakistan Limited Dubai Islamic Bank Pakistan Limited (DIBPL), commenced operations in 2006. Since then, DIBPL has undertaken major initiatives to expand its branch network across the country. Under its consumer banking division, the bank is offering state-of-the-art Sharia compliant products that effectively compete with those being offered in the market by conventional banks. It also has expertise in providing Retail, Private, Small and Medium Enterprises, Corporate, Investment Banking and Advisory services. The Bank launched Pakistan’s first Islamic Visa Debit Card and introduced financial products covering Home Financing, Auto Financing, and Depository products. DIBPL has also introduced Priority Banking and Internet Banking, both of which are being recognized as benchmark products in their respective categories. Besides regular banking services, the Bank is committed to bringing foreign investment to the country. DIBPL’s corporate wing has actively pursued foreign investors and convinced world renowned giants from the GCC to be part of Pakistan’s economy. DIBPL is 100% owned by Dubai Islamic Bank PJSC (Public Joint Stock Company) and its nominated shareholders. The parent company is a listed company in Dubai. 1. 2) Products and Services 1. 2. 1) Products All the products offered by DIBPL are purely Islamic in nature. Dubai Islamic Bank offers following products. 1- Current Account: Dubai Islamic Current Account is a non-remunerative checking account designed for account holders who need to transact frequently. It specifically appeals to businessmen and salaried individuals who need to make frequent payments and deposits in their account. The Dubai Islamic Current Account is an ideal low cost option for such customers. Based on the Wadi’a contract, the Dubai Islamic Current Account offers users safe keeping of their cash deposits against DIBPL’s guarantee to provide the depositor his funds on demand. However, the depositor permits DIBPL to use or invest his money in its Sharia compliant investments and is neither entitled to investment profit nor does the account holder bear any risk of loss. The Current Account is offered in currencies like Pak Rupees, US Dollar, UK Pound, EURO, Japanese Yen and UAE Dirham’s (only for cash deposits, cash withdrawals are not allowed) All entities including individuals, corporations, firms, societies, clubs, government organizations, statutory bodies, public and private institutions can open a Dubai Islamic Current Account with as low as PKR 1000. 2- Saving Account: Dubai Islamic Savings Account is a great investment option for depositors who wish to earn Halal returns on their savings. That’s not all, it allows you the flexibility to withdrawn your funds when ever required. By investing in the Dubai Islamic Savings Account, the depositor (fund provider or Rabbul-Maal) authorizes DIBPL (fund manager or Mudarib) to invest his/her funds on the basis of unrestricted Mudaraba contract according to the principles of Sharia. DIBPL invests these funds in its Common Mudaraba Pool with other deposits and the shareholders’ equity. The profit on the Common Mudaraba Pool is distributed amongst the shareholders’ and depositors on the basis of agreed upon weightages which take into consideration the tenor, amount of deposit and profit payment frequency of the account. The Dubai Islamic Savings Account is offered in Pak Rupees and US Dollar All entities including individuals, corporations, firms, societies, clubs, government organizations, statutory bodies, public and private institutions can open a Dubai Islamic Savings Account with a balance as low as PKR 1000. For US Dollar Savings Account, daily balance throughout the month must remain above US $500 to be eligible for profit payment. 3- Fixed Deposit: Dubai Islamic Fixed Deposit Account offers the ideal mix of long and short term benefits to depositors seeking attractive and Halal returns on their savings. With a history of high profit payouts Dubai Islamic Fixed Deposit Account is an excellent investment vehicle for depositor. By investing in the Dubai Islamic Fixed Deposit Account, the depositor (fund provider or Rabbul-Maal) authorizes DIBPL (fund manager or Mudarib) to invest his/her funds on the basis of unrestricted Mudaraba contract according to the principles of Sharia. DIBPL invests these funds in its Common Mudaraba Pool with other deposits and the shareholders’ equity. The profit on the Common Mudaraba Pool is distributed amongst the shareholders’ and depositors on the basis of agreed upon weightages which take into consideration the tenor, amount of deposit and profit payment frequency of the account. 4- VISA Debit Card: VISA Debit Card of Dubai Islamic Bank provides the following benefits to the customers. †¢ Global Acceptance †¢ Convenience †¢ Unlimited number of Supplementary Cards †¢ ATM Cash Withdrawal †¢ Funds Transfer across Accounts †¢ Balance Inquiry †¢ Global Customer Assistance Services †¢ Zero Loss Liability Free renewal 1. 2. 2) Services DIBPL offers following services to its customers: 1- Internet Banking DIBPL Branch Banking customers can easily make their monthly rental payments by using Dubai Islamic Internet Banking facility to internally transfer the rental amount from their personal account to the dedicated account. 2- SMS Banking: Now, Dubai Islamic Bank Pakistan Limited brings ba nking services at your fingertips! Free yourself from the hassle of visiting the branch and enjoy the convenience of Dubai Islamic SMS Banking. SMS Banking Features †¢ You can select your desired services from a variety of options available †¢ You can block your account, in case of stolen or lost cell phone †¢ 24/7 customer service helpline †¢ Automated help messages on your cell phone 3- Locker DIBPL is pleased to offer locker services to its customers. Our customers can lease a locker for the safekeeping of their valuables for complete peace of mind. Customers are required to pay a security deposit at the time of locker issuance. This security deposit is refundable once the customer discontinues the service. In addition to the security deposit, an annual rental is payable in advance depending upon the size of the locker. 4- Phone Banking: Dubai Islamic Bank Pakistan Ltd. offers a state-of-the art 24/7 Phone Banking service which provides quality services and financial solutions to esteemed customers. Our highly trained Phone Banking Officers are available round the clock to assist and provide you the services. 5- Problem Resolution Unit: DIBPL is fully committed to providing a World Class experience to its Customers. However, it needs support to further improve its services. If you come across any problem or query, have a complaint or a suggestion; you can contact Dubai Islamic Phone Banking 6- Corporate Banking The world of finance belongs to those who shape it. DIB has taken a leading role in shaping the dramatic transformation that UAE has experienced in the last two decades. Now, with the same vigor, the Bank comes to assist businesses in Pakistan. DIBPL provides a wide range of services specifically designed to assist Pakistani businesses. You can benefit from our: †¢ Cash Management Services †¢ Trade Related Services †¢ Investment Banking Services A) Cash Management DIBPL Cash Management offers comprehensive end-to-end Sharia compliant solutions to meet your cash flow requirements. With our help, you can reduce turn around times for your accounts receivables, better manage your payables, and benefit from our value-adding MIS reports. GL reconciliation would have never been easier for you. Collections DIBPL is an expert at facilitating the collection of sales proceeds and converting your Receivables into Funds Available. You are provided the facility of maintaining a single concentration account. Collections from all over Pakistan (cash/ cheque/ pay order/ demand draft) will be credited to this main account via DIBPL’s real time online branch network. Bulk Data Processing DIBPL has formed project-to-project alliance with National Institutional Facilitation Technologies on processing and collection. DIBPL will perform the role of the financial institution while National Institutional Facilitation Technologies will provide the expertise in the area of bulk processing. National Institutional Facilitation Technologies has 10 years of experience in this area and has previously done such projects for Sui Southern Gas Corporation and Lahore Electric Supply Company successfully. Payment Product The product facilitates clients in managing their outflow of funds. The outflows can be through Pay Order/Demand Draft or by way of electronic cheques issued at the clients office. Depository Services / Liquidity / Funds Management In DIBPL’s suite of Shari’a approved Investment Depository Products, your organization will certainly find just the right combination of attractive returns and enhanced liquidity that it requires. Enhance your funds management like never before. Foreign Exchange Remittances The Cash Management Group at DIBPL is adept at handling outward/inward remittances through State Bank of Pakistan. Be it money transfers within Pakistan or outside, DIBPL will have a product to meet your needs safely and efficiently. The Bank’s extensive network of correspondent banks in all major countries of the world is all that your business will require. Cash-In-Transit Services DIBPL can arrange for its clients a secure pick up of cash from the customer’s door step for deposit   at DIBPL’s nearest branch. B) Trade Related DIBPL offers a range of solutions to help customers in their trade transactions. The Banks rapidly expanding local network befittingly complements the extensive experience it has acquired in managing correspondent relationships across the globe. DIBPL’s Sales and Service Outlets have the infrastructure in place to ensure that customers’ documents are processed accurately and in the fastest possible time. DIBPL trade professionals look forward to sharing with you their trade related knowledge. Import Murabaha Import Murabaha is a product, used to finance a commercial transaction which consists of purchase by the Bank (generally through an undisclosed agent) the goods from the foreign supplier and selling them to the customer after getting the title to and possession of the goods. Murabaha financing is extended to all types of trade transactions i. . , under Documentary Credits (LCs), Documentary Collections and Open Account. Wakala Istithmar Facility (Exports) A unique structure tailor-made for the exporters of the country, the Wakala Istithmar facility which has been developed under the direct guidance of Sharia to meet the working capital requirements of exporters and local manufacturers speaks volumes about o ur Shari’a expertise and edge in bringing new Shari’a compliant products to the market for promotion of Islamic banking and ridding those who desire Halal income from interest-based financing. Wakala Cum Istisna’a Facility (Local Supplies): Istisna’a is a contract for manufacturing or construction whereby the manufacturer sells to the buyer, goods of specific description, at a fixed price, which the manufacturer shall make from raw material of its own and deliver to the buyer at a future date. Istisna cum Wakala is a two-leg short-term trade finance solution which enables a manufacturer to fulfill his payment obligation under a documentary credit presentation and allows time for the goods to be cleared, manufactured and stocked. Once the goods are delivered to the buyer, the customer then sells the goods, in its capacity as the agent of the bank to creditworthy and trusted buyers and realizes the sale proceeds on behalf of the Bank. Such finances are offered in conjunction with L/Cs to corporate customers under Wakala Istisna facility. Guarantee: A guarantee is issued by DIBPL (the guarantor) on behalf of its customer (the applicant) in favor of a third party (the beneficiary), for fulfillment of specifically defined contractual and/or financial obligations of the applicant. If the obligations are not fulfilled by the applicant, the guarantor will pay up to a certain amount to the beneficiary on non-performance of the obligations by the applicant. Exchange Regulations for Guarantees in Pakistan are governed under Chapter XIX of Foreign Exchange Manual (FEM) of the State Bank of Pakistan. Internationally, (ISP-98) International Standby Practices 1998 of International Chamber of Commerce (ICC) Publication No. 590 also apply. C) Investment Banking With its team of seasoned professionals, DIBPL has become the Investment Bank of choice for local and regional clients in a short span of time. DIBPL leverages the regional expertise and local knowledge to create an efficient blend of solutions for our customers. DIBPL’s Investment Banking provide its clients with a unique combination of expertise, broad range of investment banking/financial services and access to top regional decision makers. DIBPL derive strength from our team that has unrivalled experience in dealing with the largest M, Advisory and Fundraising transactions in the country. 7- Consumer Financing A) Home Finance Dubai Islamic Home Finance is the key to your dream home and we are eager to put this key in your hands. Using the Musharaka cum Ijara model, the Bank enters into a partnership with you and helps you in fulfilling your dream of owning a home quickly, conveniently and in a fully Shariah compliant manner. Whether you want to buy, renovate or simply wish to switch from your present home finance with any other bank, DIBPL’s would be the best Shariah compliant alternative. Currently Dubai Islamic Home Finance is offering three product variants: †¢Home Purchase. †¢Purchase of undivided share (Home Renovation). †¢Purchase of undivided share of property from other bank (Balance Transfer) B) Auto Finance Dubai Islamic Auto Finance offers a world class auto finance facility that enables you to get a car quickly, conveniently and in a fully Sharia compliant manner. Using Musharaka cum Ijara model to finance your car, steer yourself towards peace of mind and fulfillment of your desire. C) Business Finance Dubai Islamic Business Finance is a shariah compliant term finance facility which provides a complete solution for fulfilling the financial needs of your business. Using the Shirkatul Melk cum Ijara model, Dubai Islamic Bank Pakistan Ltd. DIBPL) enters into a shirkatul melk relationship with you by purchasing an undivided share of your residential property and subsequently leases to you this undivided share in the property against monthly rentals thus helping you in fulfilling your business needs conveniently and in a fully Shariah compliant manner. This product is available for new as well as those who already have a business finance facility from another bank and wish to bank the Islamic Way. Features There are so many reasons that make Dubai Islamic Business Finance the right choice. It is 100% Shariah Compliant an customer can select from Financing amount of Rs. 500,000 and financing up to Rs. 20 million. DIBPL offers  Fastest processing time and affordable monthly payment plan. Customer can finance up to 70% of your property value. 8- Al-Islami Saving Takaful Plan Dubai Islamic Bank Pakistan Limited (DIBPL) is proud to introduce Al-Islami Saving Takaful Plan in collaboration with Pak Qatar Family Takaful Ltd. (PQFTL) Al-Islami Saving Takaful Plan is a Shariah compliant alternative to conventional insurance, offering a unique combination of saving , investment and protection. The Al-Islami Saving Takaful Plan offers you peace of mind and takes care of the future of your loved ones by offering a saving plan and providing Takaful coverage in event of death to your beneficiaries. So rest assured, with Al-Islami Saving and Takaful Plan, your future plans are in safe hands. As an individual you have many dreams: †¢ A college education for your child from a prestigious university †¢ A dream wedding for your beloved daughter †¢ Your spiritual journey to perform Hajj †¢ A comfortable retired life with enough savings to take care of you and your loved ones Any other financial objectives you may want to achieve The Islamic concept of Takaful The word Takaful is derived from Arabic verb Kafala, which means to guarantee, to help, to take careof one’s needs. Takaful is a system based on the principle of Ta’awun (mutual assistance) and Tabarru (voluntary contribution where risk is shared collectively against loss or damage to any one of them as defined in the pact. Takaful is operated on the basis of shared responsibility, brotherhood, solidarity and mutual cooperation. 1. 3) Departments: DIBPL has following departments 1- Cash department: Cash department performs following functions Receipt: The money which either comes or goes out from the bank, its record should be kept. Cash department performs this function. The deposits of all customers of the bank are controlled by means of ledger accounts. Every customer has its own ledger account and has separate ledger cards. Payment: It is a banker’s primary contract to repay money received for this customer’s account usually by honoring his cheque. 2- Clearance Department: A clearing house is an association of commercial banks set up given below for the purpose of interchange and settlement of credit claims. The function of clearing house is performed by the central bank of the country by tradition or by law. In Pakistan, the clearing system is operated by the SBP. If SBP has no office at a place, then NBP, as a representative of SBP act as a clearing house. The easy, safe and most efficient way is to offset the reciprocal claims against the other and receive only the net amount owned by them. This facility of net interbank payment is provided by the clearing house. The representatives of the local commercial banks meet at a fix time on all the business days of the week. This meeting is held in the office of bank that officially performs the duties of clearing house. The representatives of commercial banks deliver the cheques payable at other local banks and receive the cheques drawn on their banks. The cheques are then sorted according to the bank on which they are drawn. A summary sheet is prepared which shows the names of banks, the total number of cheques delivered and received by them. 3- Advances Department: DIBPL gives loans to the borrowers for different purposes. These loans are given for various sectors for different periods. Small Finance, Cash Finance, Personal Loans, Demand Finance, Running Finance, Corporate Finance, Export Import Financing, House Building Finance. 4- Remittance Department: Another important department in the bank is remittance. People send their money to other persons and organizations through various ways i. e. bank draft, telegraphic transfer, mail transfer, coupons, Govt. Draft and Western Union Money Transfer etc. It works both inward and outward. DIBPL offers the following forms the remittance. †¢ Demand Draft †¢ Telegraphic Transfer †¢ Pay Order Mail Transfer †¢ Safe custody of specimen signature book †¢ Preparation of periodical statements †¢ Any other work/duty assigned by manager 5- Deposits Department: Customers keep their savings in PLS saving accounts and businessmen save their money in bank current accounts. DIBPL gives profit on saving and special saving accounts. 6- Foreign Exchange Department: This department mainly deals with the foreign business. The main functions of this department are: †¢ L/C dealing †¢ Foreign currency account dealing †¢ Foreign Remittance dealing 7- Compliance Department: Role of branch compliance department is to reconcile the prescribed frequencies, investigate long pending reconciliation item, and ensure correct treatment every half year and clearing system service branch-in major cities. Internal control is the integration of activities, plans, attitudes, policies and efforts of the people of the bank working together to provide reasonable assurance that the organization will achieve its objectives and mission. 8- Human Resource Management Department: Human Resource Management Department works for the betterment of the employees. Enhances skills, training management, service benefit, wages, medical facilities, staff loans are basic function of this department. 9- Information Technology Department: Bank’s data collection and information system run by Regional Data Collection Center. This department manages staff training programs regarding computer. Chapter 2 Company Analysis DIBPL being a quality organization strives to provide quality to all its stakeholders, customers, employees and environment. In Pakistan, it is operating in a very volatile economic and political environment. The detail of its analysis is given in following sections. . 1) SWOT Analysis: SWOT analysis is an effective technique to evaluate various aspects of an organization. Strengths: 1) DIBPL has this privilege to be the first in the Islamic Banking sector which give DIBPL a competitive edge over all other banks and being the pioneer of this industry. DIBPL is enjoying major share of it. 2) The first international Islamic Bank in P akistan with a network of over 80 branches. 3) The members of Shariah Supervisory Board of DIBPL are internationally renowned scholars, serving on the boards of many Islamic Banks operating in different countries. ) Being an Islamic Bank, DIBPL has a wide national network. As an emerging markets bank, it has branches in all major cities of Pakistan with the facility of online banking, it is very easy for its customers to transact all over the country. 5) DIBPL provides online banking service. Online banking service means that a customer can withdraw and deposit his money at any branch in the country. Where this service is not present, cheque has to be presented only in that branch on which they are drawn. But with this facility, a person has access to its funds at any branch of the bank. ) There are many value added features in the products offered by the bank. ATM cards are provided with every account. Other features are present in various products. The priority customers enjoy a m uch pampered status at the bank. 7) The employees at the bank provide impeccable customer service to their customers. 8) Customers are treated with great respect and honored to the utmost degree. 9) The working environment of bank is very friendly and cooperative. There is no bossiness in the higher management. The upper management consults its staff in making decisions and provides them independence in their job areas. Weakness: 1) Till the last year, DIBPL had a totally different perspective. The management was of the view that the customer should come to them and they don’t need to go to customer. But in this era of mass marketing and advertising, it is not possible to stay in competition without these tools. The bank has now changed its perception arid has started an effective marketing and advertising strategy. But the previous gaps are still there and there is lack of awareness in the people about the bank and its products. The bank needs to improve in marketing and advertising areas. ) It was observed in the bank that the degree of satisfaction of employees was quite low. First of all, the pays are lower those offered in other banks. Secondly, the employees are given targets that are too difficult to achieve. For example, the targets given to the sales personnel and service department are higher than any other bank in the country, be it a local bank or a foreign bank. This makes a job too stressful and tensed. It is good to keep people under a continuous move, but to overstress them can be harmful to them as well as to the organization. ) Due to the dissatisfaction of staff and recession, there is high turnover among them. People who find other alternatives do not stay with the bank. Therefore, the bank incurs loss in their training and development. Opportunities: 1) Home financing sector can be targeted to maximize profits. 2) Growing demand of Islamic products and services 3) Venturing into Islamic groups outside the countries as opportunity to expand business in UAE and Gulf states. 4) Coming up with the products for the SME to target the medium level customers 5) Doing business with the companies having Islamic mindset i. e. Islamic Financial Institutions 6) Increase branch network within the country 7) The innovative service of Islamic Insurance called Takaful Threats: 1) Right now there are a few banks that are providing Islamic banking services in addition to DIBPL. These banks include Bank Islami, Al-Barkah Bank, Meezan Bank and some branches of Bank Alfalah which are dedicated for Islamic Banking services. That’s why there is no intense threat for the DIBPL in the near future but it is not difficult to say that more banks may enter in this field as the awareness of Islamic banking is increasing among the public. Therefore the DIBPL should not be contented to its present market share but should strive for providing better and better and modern services. 2) Due to the increase in the conventional commercial banks, there is an increase in competition. Also there is a lot of aggressive marketing by the competitor banks. This is also threat for DIBPL. Reviewing this SWOT analysis from time to time would help evaluate bank’s position. It would help the management in comparing their strengths of the past with those of the present and to what extent the management has been able to overcome the weaknesses. . 2) Competitor Analysis In Islamic Banking sector, the competitors of DIBPL are Bank Al-Barkah, Bank Islami, Meezan Bank and some branches of Bank Alfalah which are dedicated for Islamic Banking services. Two major competitors of DIBPL are: Meezan Bank Meezan Bank  is an Islamic bank based in  Karachi,  Pakistan. The Bank commenced operations in 2002, on being issued the first-ever Is lamic commercial banking license by the  State Bank of Pakistan; in 2012 Meezan Bank completed a milestone of 10 years of Islamic Banking in Pakistan. Meezan Bank Ltd. s a publicly listed company with a paid-up capital of Rs. 9 billion (March, 2012). The Bank is sponsored by leading financial institutions from Pakistan and the Middle East that include  Noor Financial Investment Co. , Kuwait,  Pakistan Kuwait Investment Company (Pvt. ) Limited  and  Islamic Development Bank, Jeddah. The  JCR-VIS Credit Rating Company Limited, has rated Meezan Bank’s short term rating at A-1+ (A-One Plus), the highest standard in short term rating, and rated the long-term entity rating at AA- (Double A Minus) with stable outlook. The Bank offers a range of personal and corporate Islamic banking products and services through a retail banking network of over 280 branches in 88 cities. Backed by a state-of-the art T-24 core banking system, the branch network is supported by 24/7 banking services that include over 200 ATMs, Meezan VISA Debit Cards, Internet Banking, SMS alerts and a 24-hour Call Center. Meezan Bank has an in-house  Shariah  Advisor and a Shariah Supervisory Board composed of Shariah scholars; the Bank operates strictly under the principles of Islamic Shariah and is well recognized for its product development and Islamic Banking research and advisory. Meezan Bank has been consistently recognized as the best Islamic Bank in Pakistan by various local and international institutions over the past several years including ‘Best Islamic Financial Institution in Pakistan’ by  Global Finance magazine  and ‘Best Islamic Bank in Pakistan’ by  Islamic Finance News of RED money Group, Malaysia. (Appendix I) BankIslami Pakistan Limited BankIslami Pakistan Limited is located in  Karachi,  Sindh,  Pakistan. BankIslami Pakistan Limited was the first Islamic Commercial Bank to receive the Islamic banking license under the Islamic banking policy of 2003 from  State Bank of Pakistan on March 31, 2005. The Bank started its operations from April 7, 2006 and offers shariah compliant retail banking, investment banking, consumer banking and trade finance products. The Bank intends to focus on Wealth Management as the core area of business and plans to soon launch Proprietary products, and integrated financial planning services. The Bank has a nationwide presence, its branch network consists of 102 branches sub branches spread over 49 cities of Pakistan. BankIslami is the Joint venture project of three groups namely Jahangir Siddiqui Co. Pakistan, Randeree family, Bank. The Bank is also publicly traded on the Karachi Stock Exchange. The Bank is assigned a long term entity of ‘A’ and short term rating of ‘A-1’ by Pakistan Credit Rating Agency Limited (PACRA), reflecting BankIslami’s well conceived business strategy and establishment of effective operating platform by the Bank to execute the business strategy. BankIslami has been able to build a strong image by using smart marketing ideas that resonate well with the public mind. For example, the calligraphy of the Bank’s name in  Urdu has been done by the same  calligrapher  Shafiq uz Zaman who has been working in the Holy Mosque of  Medina  in  Saudi Arabia. (Appendix II) 2. ) Financial Analysis The analysis of balance sheet of bank shows that current liabilities increased over the time (Appendix III). The increase in liabilities and increase in loan shows that company wants to have more cash in hand rather than lending it to others and losing the return on investment. As for as the fixed liabilities of the comp any are concerned they are showing increasing trend and same is the case with the current and long term liabilities but the increasing trend in assets is lower than the increasing trend in liabilities which is not a good position for the bank as shown in the balance sheet. In generation of funds of DIBPL, the most important source is mark-up income. The three earning revenues are the mark-up income, non mark-up income and other income (Appendix IV). In balance sheet the most important item is earning assets. The bank has strong earning assets like advances, investments, and lending to financial institutions has major percentage of assets of the bank. In liability and equity analysis the borrowing from financial institutions and deposits have major portion and reserves and share capital has major portion in equity. Analysis of balance sheet shows increase or decrease in each item as a percentage of asset, means that assets are chosen as key figure. Chapter 3 Marketing Analysis Dubai Islamic Bank Pakistan Limited is growing rapidly in Pakistan. This shows the success of its various strategies. Various factors of marketing for DIBPL are: †¢ Target Market †¢ Marketing Mix †¢ Positioning 3. 1) Target Market: The DIBPL is mainly focusing on corporate sector. Small and medium sized companies are its main customers. The reason behind focusing on corporate sector is that a single company can deposit a large sum of money that is difficult to achieve by focusing on individual customers. It does not mean that DIBPL is lacking the other side of the picture. It has also got individual customers. Corporate sector constitute 80% of all the deposits of the bank. This is the reason DIBPL is focusing on corporate sector. Due to this reason we see no advertisement of DIBPL in print and electronic media. Target marketing is the basic step for rest of the strategies being developed. 3. 2) Marketing Mix: Marketing Mix includes four P’s of marketing. These are: †¢ Product †¢ Price †¢ Place †¢ Promotion Products and services provided by DIBPL have been discussed in first chapter of this report. All the products and services offered by DIBPL are purely Islamic. No other bank offers such services to the customers. Price means that service charges of the bank. Charges are determined by the Schedule of Charges every year. Bank provides quality services at very competitive charges. For example there are charges for the renewal of ATM card, renewal of cheque books and cash withdrawals. The main factor to discuss is the promotion. Promotion strategies consist of promotion mix. The promotion mix includes: †¢ Advertising †¢ Publicity †¢ Sales Promotion †¢ Personal Selling Advertising is paid and non personal communication of companies’ message to target customers. DIBPL has no focus of advertising. This is also a weakness of DIBPL, because its customers are spending a lot of funds on advertising. Competitors are taking full advantage of it. As DIBPL is offering products and services to individual customers, so they need to communicate their products and services with people through print and electronic media. DIBPL has very effective personal selling teams. Their Financial consultants and Relationship managers convince corporate customers to an account in the bank. This is competitive advantage of DIBPL. This is the reason due to which DIBPL stands good in the market. Even without advertising and other communication methods DIBPL manages to gain a good market share. 3. 3) Positioning: Positioning is the customers’ perception about the company’s products and services. DIBPL is positioning itself as a prestigious and quality services provider in the country. DIBPL believes that customer is the key to success of business. Customer Relationship department and Relationship managers are responsible for giving customer a sense of prestige at the bank. Chapter 4 My Experience and Contribution I have done six week internship in DIBPL Bank satellite town branch, Murree road, Rawalpindi. During my internship I have worked in various departments of bank. The reason for selecting DIBPL was that it is among those few banks which performed remarkably well in less time and grabbed the market share with their products, services and different banking experience. The bank encouraged young minds to come and work with them. The working environment of the bank is good and appreciating as compared to other banks in the industry. It is one of the very few organizations that give a safe working environment for female and provide them equal opportunities for growth in comparison to male employees. The employees of the bank are really cooperative and help a lot in providing knowledge and expertise to new entrants and internees. I have worked in various departments and gained knowledge not only about DIBPL but also about rules and prudential’s of State Bank of Pakistan and competitor banks. Another reason for selecting DIBPL was that they keep a complete record of the performance of the internees and offer job to those who perform well after the completion of their degrees. I have completed my internship in a total duration of six weeks and department that I worked during this time are as follows: 1- Account Opening 2- CRO 3- Relationship Department 4. 1) Account Opening: Account Opening department is one of the departments that come under the retail/general banking facilities provided by DIBPL. If a customer loses his cheque book, then the customer will have to come to the bank and firstly report the loss and then stop the payment, by telling the series of cheques he has lost. By stopping payment, the customer is guaranteed that no payment is made from their account. The process for stopping payment, after the customer tells that he has lost his cheque book is that he fills a â€Å"Form B†, which is same as a cheque book requisition form and an indemnity form, stating no responsibility on behalf of the bank if any illegal payment is made before the time of announcing a cheque book lost. When a customer comes to open his account, he has to fill a form with the bank. As a part of my internship I had to fill these forms by customers and then use the appropriate bank stamps to complete these forms. Also as a part of the relationship form, I also had to do a â€Å" Verisys† a verification system started by NADRA on the CNIC of the new account opener. A â€Å"Verisys† tells, that whether the candidate is a Pakistani citizen or not and all the information written in account opening form are true or not by matching the information to the database of NADRA. Working in this department helped me a lot in learning new things like personal verification, dealing with clients and database management system. 4. 2) CRO: Under CRO department I had to deal with customers on front end and handle their queries regarding the account opening, services and meetings with bank relationship managers. A bank statement tells the whole activity of a bank account over a period of a time. Customers often come and want their bank statements and have to fill a form, relating to the time period for which the bank statement is needed. As a part of my internship, I had to facilitate the customer to fill the ‘Bank Statement Forms’ and produce the statement through the bank software and print it as well. Often customer wants to know their accounts balance over phone and thus I had to tell them their account balances using the bank’s information system. Other work done by CRO is the general client dealing and furnishes their queries in bank and on the phone. The after account opening process is completed by this department as well as the reactivating of accounts and guiding the clients during applying for different services of bank. In all above mentioned activities I was acting as an assistant to CRO and carrying the activities. 4. 3) Relationship Department: The Relationship Department is present in every branch which is assigned to bring the business for the bank i. e. the accounts of corporate sector as well as the business people. The branch set the target for them and they have to achieve it. The targets are set for six months. In this I had to assist the relationship managers in targeting the clients and then accordingly take the appointment time for meeting and working for preparing understanding the benefits by affiliation with DIBPL. Working in DIBPL was a unique experience, many skills were used there and many skills were developed. As I worked in CRO department, it enhanced my communication and negotiation skills. Chapter 5 Summary and Recommendations I spent six weeks of my internship in DIBPL satellite Town, Rawalpindi. During these six weeks, I felt myself to be a part of bank. Even, this was my first experience of working in a bank but I learnt a lot from this experience. In first chapter of this report, the history of DIBPL and its introduction is provided. The products and services provided by bank are also discussed in the first chapter. Various departments of the bank were also discussed in detail. In the second chapter of this report, the complete analysis of the bank has been provided. SWOT analysis highlighted the bank’s strengths, weaknesses, opportunities and threats. Competitors’ analysis has provided the overall picture of competitive environment. The financial analysis has described the financial position of the bank. In the third chapter of this report, various marketing strategies opted by the bank has been analyzed in detail. This chapter highlights the advertising and positioning strategies of the bank. Chapter four is about my personal experience and contribution. Personal experience is an exact of what I have learnt during my internship. At the end the report has been concluded with summary and recommendations in the final chapter. Recommendations Based on my observation regarding the operations and policies of DIBPL, I have tried to give recommendations for further improvement. 1) First of all, I would like to suggest that the bank must pursue a very aggressive marketing and advertising strategy so that it can create awareness in the general public about its Islamic products and services. ) Secondly there is a need for creating satisfaction among employees. They do not feel any attachment to the organization. There is a requirement for building up their loyalties so that the bank can curtail the dissatisfaction and turnover among employees. 3) The personnel in the bank should not be overstressed with workload. The workload is of a destructive level. At that level of load the empl oyees loose all the comfort in their work and remain tense and frustrated. 4) Job training is very important aspect that DIBPL is lacking in. New employees are recruited directly without any prior training or orientation. The result is that they do not understand the organizational structure and culture and become frustrated in their start. This reduces their productivity and efficiency. If such a training program is started, then new employees would feel more comfortable and adapt easily to the environment. 5) DIBPL should continue to expand its business, by increasing its deposits portfolio through aggressive market penetration strategies. 6) DIBPL needs to improve its website. More information relating to financial performance of the bank should be available on the website. 7) Management should distribute work equally among the different employees. ) Related jobs should be assigned to the employees so that they can work more efficiently. References Van Horne, J. C. , Wachowicz, J. M. (2008). Fundamentals of Financial Management. (13th ed. ). Griffin, R. W. , Ebert, R. J. (1998). Business. (5th ed. ). Upper Saddle River: New Jersey Kotler, P. , Armstrong, G. (2007). Principles of Marketing. (12th ed. ). Cravens, D. W. , Piercy, N. F. (2008). Strategic Marketing. (9th ed. ). Lynch, R. (2006). Corporate Strategy. (4th ed. ). Shim, J. K. Siegel, J. G. (2003). Managerial Finance. http://www. dibpak. com http://www. dibpak. com/products How to cite Dubai Islamic Bank Report, Essay examples