Managing projects for innovation and enterprises

Preparation of a vesicle suspension containing methylene blue as a hydrophilic model drug.

Preparation of a vesicle suspension containing methylene blue as a hydrophilic model drug. IntroductionColloid drug delivery systems (CDDSs) are vesicular dosage forms. They include liposomes niosomes nanospheres and nanocapsules. Their size avoids any risk of embolism following intravenous injection. CDDSs were initially designed, and were studied, as drug carriers for targeting purposes. The assumption was the expected ability of CDDSs to concert the drug at the therapeutic target and/or divert if from the toxicological one. Some interesting results have been obtained with drugs possessing a narrow therapeutic margin such as anticancer drugs. In addition, CDDSs were shown to be able to act as sustained-release dosage forms when injected subcutaneously.However, the oral route of administration has the advantage of conveniences versatility and safety, and is preferred whenever the physicochemical properties of a drug allow adequate bioavailability. Many drugs are rendered ineffective after oral administration because of their chemical ability or susceptibility to enzymes i n the G.I. tract, or because of their hydrophilic character and ionizability at various pH values, or because of their high Mr or Insolubility.emulsion lift 2So CDDs could be able to protect drugs from G.I. degradation. Candidate drugs for entrapment in CDDS could be peptides (hormones, enzymes, clotting factors, etc.), for example, all of which exhibit poor oral bioavailability.Since the discovery of liposomes in the 60s most of the studies involving CDDSs have examined parenteral routes. Their use as oral delivery systems only began in the 70s and has not been completely investigated. Furthermore, nano-spheres and nanocapsules were developed as more promising tools.Niosomes themselves are unilamellar or multilamellar vesicles which are analogues of liposomes. Niosomes are formed mainly by self-assembly of synthetic non-ionic surfactants with the optional combination of cholesterol and charged surfactants. The ability to entrap solutes allows them to be used as drug carriers. The f act that they are made of bilayer membranes allows them, like...

Psychology Essay Example | Topics and Well Written Essays - 500 words - 19

Psychology - Essay Example I have a sound educational backing with a minor in Psychology. My educational experiences have taught me the importance of staying organized, studying diligently and meeting deadlines. I have greatly enjoyed learning about the theories and theorists in my Psychology courses and have a great desire to further my studies in this area so I can help other people overcome obstacles in their lives. In addition to my educational experiences, I have work related skills that make me a good candidate for your Mental Health Master’s program. I have worked for the past year as a teacher. I have had the opportunity to work with many types of children. Some are motivated and excited by learning. Others have many problems, both cognitive and emotional. These are the children that I was most concerned with helping. Some days the work was exhausting. Helping these children that had so many problems has taught me to never quit. This attitude of perseverance has served me well in my current teaching position and will serve me well in my studies in your program. Difficult problems often take time and tenacity to overcome. I have learned this by working with these children. Another attribute I have learned as a teacher is how to communicate clearly with the children’s parents. Many of these parents are difficult to deal with because they are frustrated by their child’s academic performance. I have learned that showing empathy for these parents and clearly expressing expectations to them helps them to cope with their child’s behavior in school. I realize that as I enter the field of professional mental health, these types of parents and children may be my clients. As a result of my teaching experience, I have gained a great desire to help these people that struggle to cope with their daily lives. A final attribute I have acquired as a result of work experience is compassion. I have experience working as a

Blog Article Example | Topics and Well Written Essays - 1250 words

Blog - Article Example The organizations, big and small, scattered around the globe tend to have more than their ample share of what may be called the bad managers, whose only concern seems to be to mar the organizational efficiency and nip the talent right in the bud, wherever it is deployed within or outside the organization, thereby restraining the organization from achieving the levels of productivity and efficiency that may shock the shareholders, pushing most of them towards a premature stroke or heart attack (Lussier and Achua 5). One other role of bad managers is to give way to a pervasive despondency, apathy and cynicism within organizations so that employees may genuinely end up believing that they scarcely deserve a promotion or a raise, thereby sparing the organizations from splurging much money in the name of motivation and efficiency. When it comes to recruiting bad managers, the organizations may complain of a serious dearth of real talent. However, the good news is that bad managers happen to be just like regular managers with a discerning pool of skills and abilities at their disposal, which help them justify their title and denomination. While talking of bad managers, the one person that emerges on the canvass of my memory is Mr. Dam Doolittle, a paragon of managerial dexterity and a virtual paradigm of a bad manager, whom I came across while working in a local advertisement firm. One thing that outshined Mr. Doolittle from the pool of inefficient menials working under his tutelage in the firm was his panache for professional outlook. Mr. Doolittle had a passion for designer suits, ties and Italian patent leather shoes. Perhaps his guiding maxim was that if one successfully managed to look like a manager, than perhaps 99 percent of one’s job is done. No wonder, Mr. Doolittle’s managing acumen stood to be merely skin deep and superficial like the garishness of his apparels. However, sadly, this was not the be-all and end-all of his managerial acumen and talent. Mr. Doolittle indeed was endowed by the providence with some rare and special skills that aptly placed him at an assorted place in the hall of fame of the worst managers. His reputation was indeed well deserved and well earned, scarcely impervious to any tarnishing by the ravages of time or bursts of organizational change. When it came to micro management, it goes without saying that on this entire globe there scarcely existed a manager born of a human womb that could match the adroitness of Mr. Doolittle. Mr. Doolittle scarcely believed in the obsolete concept of ‘vision’. He was a stickler for change. He believed that in the current times defined by fast altering consumer preferences and the onslaught of digital solutions, ‘vision’ happened to be a thing of the past. He not only believed in leading from the front merely, but generously spread his management talent, right, left, behind and center, firmly convinced that the day he contracts his man agerial acumen from the floor, the business will virtually fall down on its knees. He believed in ruthlessly cracking the whip whenever and wherever the need be, luckily restrained by the organizational norms from wielding a whip in the literal sense. Being deprived of the superfluous notion of vision, the employees mostly felt insecure, confused and intimidated, and that is how Mr. Dam Doolittle expected them to be (Benfari 109). Esteemed to be a manager worth his salt, he had

Reflection Essay Example | Topics and Well Written Essays - 250 words - 73

Reflection - Essay Example I have taken this concept of leadership from the leader of Starbucks where he consults and engages the low level staff before making a decision. Thirdly, and lastly, I have learnt the concept of objectivity and subjectivity in relation to financial management and asset acquisition. This is from the considerations that the Starbucks Company has to consider some aspects accepting offers. All these concepts that I have learnt apply both to my professional and personal life in terms of being an effective resources manager pertaining to corporate resources and making personal budgets to avoid spendthrift activities (CheckMate, 2009). Leadership also applies to both professional and personal life in that I will engage the junior employees in a company once employed and even in my personal life I will be an effective leader. Lastly, the concept of critical analysis and subjectivity and objectivity applies in my professional life in terms of assessing all aspects before making decisions on taking or dropping offers or venture g into a certain activity. This applies in my personal life as well since it can help me in making a decision with first assessing the different

Looking At The Maybank ATM Machines

Looking At The Maybank ATM Machines Maybank was founded by Malaysian business tycoon Khoo Teck Puat, who died in 2004. Amirsham Abdul Aziz. Dato Sri Abdul Wahid Omar was officially appointed as President and CEO of Maybank Group in May 2008. (http://www.maybank2u.com.my/) Today, it is the largest financial services group in Malaysia. Its extensive products and services include commercial banking, investment banking, Islamic banking, offshore banking, leasing and hire purchase, insurance, factoring, trustee services, asset management, stock broking, nominee services, venture capital and Internet banking. (http://www.maybank2u.com.my/) Maybank currently ranks among the top five banks in ASEAN, and is a Qualifying Full Bank (QFB) in Malaysia. For the convenience of Maybank customers, all Maybanks 374 branch offices and more than 2,800 ATM machines are strategically located in both the business districts and suburban estates.( http://www.maybank2u.com.my/) Today, Maybank proudly stands above its peers as Malaysias flagship financial services group in a vibrant, strong and highly competitive banking and financial services landscape. Total assets of the Group stand at RM310.7 billion.( http://www.maybank2u.com.my/) 2.0 Internal Chiefly, the environmental factors are categorized into two different groups, they are internal and external. Internal factors are taken place within the boundaries of organisation. Specifically to the case of Maybank, there are few significant internal factors that they are subject to will be examined such as products and services, vision and mission, SWOT analysis, and Leadership. 2.1 SWOT analysis Strength well known bank 374 branch offices in Malaysia. more than 2,800 ATM machines Correspondent banking relationship with 700 foreign banks throughout the world. Strong performance where it was listed second largest in Malaysia Stock Exchange and Bursa Malaysia Weaknesses -Inefficient Service and poor customer Service. Have to pay huge amount of money to stakeholder Opportunities -experts in the industry and shares their experience with the employee Maybank have many other investments from other companies Threat Economic slowdown like right now where stalling economies are bad for the banking sector Table 1.0 SWOT analysis 2.1.1STRENGTHS It is a well known bank where it have over 374 branch office and more than 2,800 ATM machines. Correspondent banking relationship with 700 foreign banks throughout the world. It also have diversity in product where they provide opening account, giving loan, credit cards, investment insurance, and Islamic banking.(http://www.maybank2u.com.my/) Strong performance where it was listed second largest in Malaysia Stock Exchange and Bursa Malaysia and Maybank workforce come from a multifaceted background of skills, disciplines, experience and industry knowledge to create talented teams of idea generators. 2.1.2WEAKNESSES Inefficient Service and poor customer service, for example Maybank does not have bank systems be automated with built-in security features to verify their customers accounts and details without having to rely on a piece of physical paper with a signature. This would make customer harder to replace card or change account if go to different branch. This kind of service is totally unacceptable in todays competitive world where time equals money. Have to pay huge amount of money to stake where dividend payout ratio (of 60%) to the stakeholders. They set policy to pay dividend of 60% percent of their profit as the long term policy. 2.1.3OPPORTUNITIE Growth of existing market where Maybank is experts in the industry and shares their experience with the employee so by then they can expand further in the industry. Maybank have many other investments from other companies and expand its operations in Vietnam, China, Philippines and India. (http://www.maybank2u.com.my/) 2.1.4THREATS Economic slowdown like right now where stalling economies are bad for the banking sector as it impedes loans growth which is the sectors bread and butter (borrowers become more cautious) and it stirs up bad loans (due to the burden of rising borrowing cost) which in turn erodes a banks financial comfort.) The job is made harder by a brutally competitive landscape HSBC and how it has grown from the Hong Kong and Shanghai Banking Corp in the past to becoming a truly global bank today. They were even been bold enough to venture into Islamic Banking and created HSBC Amanah at a time when most banks, especially foreign ones, were figuring out what Islamic Bank was all about and were skeptical.(http://www.hsbc.com.my/1/2/personal-banking/deposits/basic-current-and-amanah-basic-current-account-i) 2.2Product and service Maybank product and service range includes commercial banking, investment banking Islamic banking, offshore banking, insurance and takaful, factoring, trustee services, asset management, stock broking, nominee services, venture capital and internet banking.Maybank has consistently set new benchmark for the product and service delivery by achieving many firsts in the industry which include the first to introduce a rural credit scheme, mobile banking services, internet banking and receivable financing on a non-recourse basis.( http://www.maybank2u.com.my/) The product is designed to satisfy a certain need and normally is sold in a competitive environment and so that product success is very much driven by market forces and must compete on cost, quality in the board sense, and delivery time.(Derek L.Waller 2003,page 147) In an effort to reinforce service quality standards and continuously promote service excellence, the Maybank implements various programmes such as customer sales, and service training programmes, service standards monitoring, and customer surveys. In Maybank, it has several different type of savings account services provide to the customer.Example for the savings account products are Golden Savers Saving Account, specially tailored for senior citizens, retirees and those planning for early retirement. This account offers high returns and a host of other benefits and discounts meant to enhance your golden years. Yippie saving account a saving account designed for children aged below 18 years old.Children can start an account with as little as rm1, and enjoy monthly dividend on a profit-sharing basis. (To get more information, please refer to appendix 1 and appendix 2) (http://www.maybank2u.com.my/) 2.3 Vision and mission Vision The visions of Maybank are To be a leading regional financial services group by 2015. Mission An organization need to have effective operation management effort must have Mission, it will help them knows it is going and provide boundaries and focus for organization. Maybank mission are 1) To be the top five financial services group in South/South East Asia, by size and Performance. 2) Undisputed leadership in Malaysia, across all high margin/profitable products/segments 3) Truly regional organization, with 40% of gross loans derived from international operations 4) Recognition for delivering innovative and superior value proposition to customers 5) Top quartile employer of talent in each of our markets. (http://www.maybank2u.com.my/) (To get more information please refer to appendix 3) Figure 1.0 Leap 30 Performance Improvement Programme 2.4 Leadership Maybank is committed to inculcating a leadership culture which not only encourages high impact communication but also values ideas and feedback. Active communication is the key to ensuring Maybankers are well-informed and knowledgeable about the Groups operations, business strategies and management decisions. As part of Maybank vision to create world-class managers, Maybank have a robust Leadership Model built on the leadership philosophy and competencies that are required to support the Groups aspirations. Maybanks leadership philosophy describes the essence of a great leader guided by the corporate values of teamwork, integrity, growth, excellence, efficiency and relationship building. The leadership competencies serve as a guideline for assessment of leaders and reiterate the six core competencies that every Maybank leader should have. These are strategic thinking, a spirit for achievement, ability to develop talent and cultivate relationships, being customer-centric and the desire to innovate and change. (http://www.maybank2u.com.my/) In order to increase the effectiveness of maybank staff, a Mentoring programme was introduced for the succession plan candidates of identified C-suite positions. Foundation programmes within Maybanks Personal Managerial Effectiveness Learning Roadmap were also structured for entry level and executive positions while intermediate programmes were targeted at team leaders and new managers. The advanced programme promotes a talent development culture which places emphasis on leadership across all boundaries. One such example is the Maybank Great Manager (MGM) programme aimed at improving managerial skills, capabilities and knowledge. In 2009, a total of 103 Human Capital workshops involving the participation of 2,000 managers were completed.(http://www.maybank2u.com.my/) Maybank Annual report 2009 3.0External 3.1Political and Legal The operations of Maybank are affected by the government policies on the regulations of banking industry. Currently government are controlling the marketing of banking industry because of responsible for promoting a stable monetary and financial structure.. Governments also control the license given for open the banking industry and other legislation need to follow such as Central Bank of Malaysia act 2009,Banking and Financial Institutions Act 1989(BAFIA), and Exchange Control Act 1953. (http://www.bnm.gov.my/index.php?ch=14)Good relationship with government in giving mutual benefits such as employment and tax is a must for the company to succeed in any foreign market. Maybank should also protect its workers by ensuring all the hiring, compensation, training or repatriation is according to Malaysian Labor Law as stipulated. Example Wages, salaries, bonuses and social security contributions are recognised as an expense in the year in which the associated services are rendered by empl oyees of the Group and the Bank.(http://www.maybank2u.com.my/) 3.2Economics The year 2009 was tough would be an understatement given the upheaval created worldwide as a result of the global financial crisis that saw financial giants fail or requiring Government support. In these difficult times, Maybank remained prepared and strong. Maybank was able to withstand the challenges of a highly stressed and competitive operating landscape given its strong capital and liquidity position, and continued to play a significant role in ensuring that credit remains available to help the Malaysian economy and to support Malaysian business and consumer economic activities. Example For the year ended 30 June 2009, Maybank recorded higher revenue of RM10.5 billion compared to RM9.6 billion last year. However, net profit was lower at RM691.9 million compared to RM2.9 billion recorded in the previous year. The lower profit was largely due to higher loan loss provisions, interest on the additional RM9.1 billion securities and subordinated debts issued in 2008 as well as the imp airment charges in relation to its investment in BII and MCB Bank of RM1.62 billion and RM353 million respectively. Excluding the impairment charges and the reversal of the allowances for the non-refundable deposit for the BII acquisition, Maybank Groups core profit after tax stood at RM2.18 billion. ( (http://www.maybank2u.com.my/)( To get more information please refer to appendix 4) 3.3 SOCIAL The changing lifestyles of Malaysia due to development of Malaysian economy should be also taking into consideration. While more people are able to purchase car and house, there are a number of housing loan and hire purchase packages that have been developed in the market to suit the particular needs of the borrower. They want to have greater innovation, value, quality in services and more conveniences that can differentiate one bank from another. Besides that, Consumers want technology in their life and facilities such as credit card payment, online banking channel for payments or opening a bank account. All these needs should also be taken into consideration. For example Maybank online portal has the largest number of payee corporations. Close to 700 types of bills can be paid via Maybank2u.com (http://www.maybank2u.com.my/) 3.4Technology Technology is widely recognised by various literatures on strategic management (Capron and Glazer, 1987; Johnson and Scholes, 1993).Over the past few decades the impact of technology, in particular information technology, is undisputed in almost every aspect of banking industry. Currently, Maybank is the established market leader in online banking in Malaysia, with the largest user base of 3.8 million customers and the highest number of web based product offerings online. Maybank2u.com was voted as the Best Brand for Banking Online and was awarded the Brand Laureate Award by the Asia Pacific Brands Foundation. Besides that, Maybank employ the latest in encryption technology to ensure safety and confidentiality of your transactions. 3.5Environmental Maybank has a strong policy that supports environmental issues. Maybank efforts to reduce its carbon footprint encompass both its operational as well as product offerings. In daily operations, environment-friendly practices are constantly encouraged. This includes recycling of paper, electronic communication, utilising energy-saving practices for lighting and air-conditioning as well as centralised printing to reduce use of individual printers and consumables. Example in introducing new products, Maybank is offering more paperless transactions, implementing electronic payment and online statements. The new American Express Gold Credit card provides online statements, while the nations first Online Bill Presentation service with Tenaga Nasional Berhad introduced electricity bill statement and online payment via Maybank2u.com.( http://www.maybank2u.com.my/) Task2 4.0 Influence of policies and decision making on E- business E-banking is defined as the automated delivery of new and traditional banking products and services directly to customers through electronic, interactive communication channels. E-banking includes the systems that enable financial institution customers, individuals or businesses, to access accounts, transact business, or obtain information on financial products and services through a public or private network, including the Internet. Customers access e-banking services using an intelligent electronic device, such as a personal computer (PC), personal digital assistant (PDA) or automated teller machine (ATM).( Institut Bank; Bank Malaysia) 4.1 Influence of policies and decision making on E- business to customer 4.1.1ATM (automated teller machines) Automated teller machines providing banking services, in particular cash dispensing service which facilitate direct withdrawals from deposit accounts and check account balance at previously unfeasible location and time. ATM are efficient in dispensing controlled amount of cash rapidly and accurately. To move customer to more efficient delivery channel, ATM handle other simple transactions, which are often categorized as being of low value to the bank.(Institut Bank ;Bank Malaysia) Maybank provide more than 2,800 ATM machines are strategically located where customers require cash to make purchases, such as at shopping centres, PETRONAS petrol service station or outside the branch premises. Maybank customers are able to conduct banking transactions after normal office hours. Maybank ATM performs banking transactions including cash withdrawals and funds transfers at customer preferred time; convenient access to cash, in local currencies, when customers are overseas. .( http://www.maybank2u.com.my/) 4.1.2E statement With the growth and maturity of online statement delivery, paperless statements are fast becoming the norm in the banking industry. Paperless statements under different service tags ranging from E-Statements, Email Statements, PDF Statements and Online Statements. Paperless statement can be made available through emails, e-banking services or over websites and are usually free of charge. Maybank bank is offering more paperless transactions, implementing electronic payment and online statements Example the new American Express Gold Credit card provides online statements, while the nations first Online. Customers are also being to switch to online statements instead of receiving printed copies. It is easy n convenient for customer to tracking personal financial and mange personal account online any time. (http://www.maybank2u.com.my/) 4.1.3Credit card(online transaction) A plastic card that allows a person to purchase goods and services by paying with money borrowed from a creditor. The borrower then repays the credit card company, often with interest. The borrower doesnt always have to pay interest, because paying the debt off on time might not result in interest being charged. http://157.166.255.31/2009/LIVING/studentnews/03/15/financial.glossary/index.html Credit card is often the most convenient method around when customers need to buy something important or when customers need to fund an emergency that occurs. Maybank offers a wide variety of credit cards. There are different types to suit different lifestyles and needs. There is the Maybank-Sogo Visa Card in Classic and Gold, The Classic and Gold MasterCard and the Classic and Gold Visa card. The Maybank credit card payment online service is a facility that is available to customers. The valued customer can pay a variety of bills over the internet by using a Maybank credit card. It saves plenty of time that would be better spent on other pursuits and projects. ( http://www.maybank2u.com.my/) There are rewards to be had when customer use the Maybank credit card payment online service. Customer becomes eligible for points under the banks GiftPoints programme when customers use their Maybank credit card to make purchases over the Internet. (http://www.maybank2u.com.my/) 4.1.4 E-shopping Improve on its policy of meeting the customer needs efficiently and effectively by assisting the commercialisation of e shopping. Customer can find it convenient and easy to online shopping from the comfort of their home or office. Maybank offer variety of product service online such as electronics, gift and collectibles, health and beauty, kids and newborn, branded fragrances, clothing and travel gear. (http://www.businessdictionary.com/definition/online-shopping.html) Decision making Maybank Customers can purchase a variety of products and services online and pay conveniently by direct debit from their Maybank Savings and Current Accounts Maybank2u.com Cyber Mall offers convenient and reliable online shopping. Maybank number one focus is customer satisfaction. Customer can expect quality merchants, value for money and take advantage of special offers. Enjoy shopping at customer own convenience from customer home or office with the assurance of a secure connection. Maybank trust that shopping at Maybank2u.com Cyber Mall will be a rewarding experience.( http://mall.maybank2u.net/main.jsp?pageid=Home)(To get more information, please refer Appendix 6 ) 4.2Influence of policies and decision making on E- business to business The flagship B2B cash management system from Maybank, Maybank2e.net, remains a sought-after solution as it maintains its cutting-edge lead in managing complex financial supply chain and working capital activities under a well integrated platform. The system has expanded its capabilities and currently contains six different modules: Information Management, Payables Management, Receivables Management, Liquidity Management, and Financial Supply Chain and Corporate Services. The cash management front is becoming increasingly demanding where companies have to efficiently manage liquidity across their businesses. A strong testimony to Maybank our commitment is the number of awards accorded by international organisations to Maybank2e.net including FinanceAsia Best Cash Management Bank Country Award 2009, Best Cash Management Bank for Malaysia Asset Triple A Transactional Banking Awards, Best Local Currency Cash Management Services 2008 Award by AsiaMoney Polls and Alpha SEA Best Cash Management Bank Award. (To get more information, please refer to appendix on title of Award and Recognition.) 4.2.1 E-payment Electronic payment is any digital financial payment transaction involving currency transfer between two or more parties (source: World Bank) Internet is usually believed to be the only mode. In reality e-payments cover a much broader range (phone, interbank networks, etc)(http://www.intracen.org/e-trade/docs/nepal/catani.pdf) Maybank2e.net e-payment represents a revolution in the manner in which customer business is able to execute payment transactions. It caters for a complete range of payment transactions such as funds transfers and local / foreign remittances. Maybank e-payment also provides a comprehensive payroll service, allowing customer to automatically credit employee salaries directly into their designated accounts. Convenience is offered via the ability to submit contributions online to statutory bodies such as Employees Provident Fund (EPF) and Social Security Organization (SOCSO). (http://www.maybank2e.net/is_epayment.shtml) Submitting payments online increases the efficiency of the payment process by cutting down manual tasks and processes. Payments can be made to both Intrabank (within Maybank Group) and Interbank (other local banks) accounts through the GIRO and RENTAS platforms. All transactions are guaranteed total security with Maybank leading edge security infrastructure. With online reporting, customer access to accurate and timely information for account reconciliation. Customer can view their file status, download processed files or print a summary of the processed files. 4.2.2E security Maybank2e.net is highly committed in ensuring that all transactions performed through www.maybank2e.net are secure, safe and confidential. The security features of Maybank2e.net have been tailor-made to meet the requirements of corporate users. Maybank2e.net is located within the internal security system of the bank, which provides firewall systems, strong data encryption (128-bit SSL), anti-virus protection and round-the-clock security surveillance systems. Beside that, regular security reviews of Maybank systems by Maybank internal system auditor as well as external security experts. In additional, Maybank2e.net has incorporates a comprehensive security infrastructure, utilising binding encryption on all data transmission. Security control is further enforced via audit trails, dual control access levels and re-authentication. This guarantees that corporate user transactions are protected, private and secure at all times. 5.0Effectiveness of e-business in Maybank 5.1Electronic Banking Maybanks Consumer Banking is anchored by its strong franchise, which encompasses the most extensive ATM network coverage in Malaysia. Maybank maintains the lead in having the most number of largest ATM network in the country with market share of 32%. During the year, Maybank installed 92 Off-Bank ATMs throughout Malaysia. In January 2008, the branch network was migrated from a legacy framerelay system to an Internet Protocol Virtual Private Network (IPVPN), leading to reduction in network complexity, easier network management and improved cost effectiveness as well as exchange of encrypted confidential data. Currently the IPVPN service operates at more than 400 branch networks, over 2,800 ATMs and 160 point-of-sales merchant networks. Figure 2.0 Number of Maybank ATM and CDM From Figure 2, it shows that, Maybank has increased their number of ATM machine by 107% from 1356 to 2804 in year 2005 to 2009. Beside that, Maybank has increased their number of CDM machine by 87% from 485 to 910 in year 2005 to 2009. 5.2Online banking Maybank2u.com is the No.1 Internet banking website in Malaysia with 3.8 million registered users and a market share of over 54%. The strong growth during the year was attributed to innovative product offerings through electronic commercial transactions as well as a shift from simple fund transfers to more complex transactions. Example the First Public Report of Online Usage in Malaysia released by comScore a leader in measuring the digital world, listed Maybank2u.com as the top local site in Malaysia. The report includes a ranking of the most visited Internet properties and top visited local-based properties, based on the comScore World Metrix service. In June 2009, 9.3 million people in Malaysia age 15 and older accessed the Internet from home and work locations, with each consuming an average of 1,066 pages of content and spending nearly 14 hours online during the month. Maybank2u.com topped the list as the most visited local site, with more than 1 million visitors, reaching nearl y 12 percent of all Malaysians online, making it the most engaging site of the top 10 Malaysian properties. Table 2.0 Top 10 sites in Malaysia 5.3 New Electronic Services Maybank introduced the All-new, All-you Maybank2u.com by revamping Maybank existing website with new features in compliance with web 2.0 technology. Maybank also kicked off Malaysias first online bills summary by a bank, My Bills. Initially launched with Tenaga Nasional Berhad, users can now also view, pay and save DiGi and TM bills via this facility. Additionally, Maybank online portal enables users to make additional ASB investments online, the first and only facility in Malaysia. Launched by the Prime Minister on 21 April 2009, the facility also allows third party investment in ASB. Currently, Maybank online portal has the largest number of payee corporations. Close to 700 types of bills can be paid via Maybank2u.com. This will be further bolstered with additional Government-partnered initiatives such as online payments for Agensi Kaunseling dan Pengurusan Kredit, Skim Simpanan Pendidikan Nasional and the Ministry of Finance Housing Loan Scheme. 6.0Area to improvement 6.1Hire expertise, provide training Maybank should hire more expertise in order to implementation and administration e-banking efficiently and effectively. Beside that, Maybank should provide a holistic approach enhancing employee skills and competencies through its online e-learning programmes. The programmes include upkeep, maintenance, security and implementation of networks. All crew members should be well-trained before sending them to work career. 6.2Improve quality of maybank website (www.maybank2u.com.my/) Maybank should consume extensive amounts of time and money to define, design, develop, test, implement, and maintain website in order to improve the quality of e products and service. Beside that, Maybank staff should treating complaints seriously and resolving them as quickly and fairly as possible.If Maybank wants their Maybank2u.com to be popular among online banking website it should leave the user with a positive impression about the organization, so consumers can get an impression that the company cares about them. 6.3Increase online security Maybank should ensure that all transactions performed through their online financial service are secure, safe and confidential by installing the latest firewall systems, strong data encryption, anti-virus protection and round-the-clock security surveillance systems to detect and prevent any form of illegitimate activities on maybank network systems. Beside that, keep on update privacy protection control systems when new versions are released. So that Maybank customers can enjoy Maybank Internet Banking with total peace of mind. 6.4 Increase Maybank e shopping At Maybank2u.com Cyber Mall, Maybank offer variety categories such as electronics, gift and collectibles, health and beauty, kids and newborn, branded fragrances, clothing and travel gear but each category provides few or even none of product and service. Example the travel gear didnt provide any product or service. Maybank should find more potential and quality partner merchant, to provide more product and service to satisfies customer need and want. Beside that, Maybank need to provide multiple images from different angles for the product. An image in each color, of the front, back, and sides, and even detailed shots of specific features can all go a long way toward making a consumer more likely to buy. 7.0Conclusion In conclusion, this report analyzes both internal and external environment of Maybank, a largest financial services group established in Malaysia. Due to the length constraint of the report, there are only significant environmental factors are analysed in terms of their influence on the organization and the organizations response towards environmental changes. Internal environment factors are analyzed include products and services SWOT analysis, Vision and mission, and leadership,. Any product or policy of a company has to reviewed and make change accordingly that fit to the contemporary needs of the organization. Example the Maybank Great Manager (MGM) programme aimed at improving managerial skills, capabilities and knowledge. The external factors are political, economy, social, technology, environment and legal. Five of these factors exert tremendous pressure on Maybank business operation especially the economical factors. For Example result of the global financial crisis that saw financial giants fail or requiring Government support. Maybank remained prepared and strong. Maybank was able to withstand the challenges of a highly stressed and competitive operating landscape given its strong capital and liquidity position. The second part of the report analyzes the influence of e- business toward Maybank in terms of policy and decision making. Besides, the effectiveness of response to those concepts is studied as well. Lastly, there are few recommendations have been suggested to improve their current initiatives of knowledge management and learning organization concept. For instance, Maybank could move themselves even closer to success in e-business by Improve online security, improve maybank e- shopping, improve quality of maybank website and provide training and hire expertise. Reference Derek L. Waller, 2003, Operation Management, Italy, Gray Publishing. Capron, N. and Glazer, R. (1987), Marketing and Technology Johnson, G. and Scholes, K. (1993), Exploring Corporate Strategy Operational of Financial institution (Institut Bank; Bank Malaysia) Access From www.maybank2u.com.my/ [2 march 2009] Access from http://university-essays.tripod.com/pest_pestel_pestle_lepest_analysis.html [2 March 2009] Access from http:/

Anxiety Disorders Essay example -- essays research papers

Anxiety is part of life; everyone feels it to one degree or another during their lives. However, when that feeling of anxiety starts to take over your life, or is persistent beyond a certain time in our lives (e.g. a speech in class) then a person may have an anxiety disorder. Anxiety disorders are characterized by extreme distress, persistent anxiety, or maladaptive behaviors that reduce anxiety. There are four common types of anxiety disorders: Generalized anxiety disorder, Panic disorder, Phobias, and Obsessive-compulsive disorder. Each disorder is characterized by a set of common symptoms and can be caused by different things. The Disorders Generalized Anxiety Disorder A generalized anxiety disorder is characterized by feelings of edginess, continual tense and jittery feelings, worry, muscular tension, agitation, and sleeplessness. Those feelings may make themselves known to the outside world through furrowed brows, twitches, sweating, and fidgeting. A person suffering from this disorder may find it difficult to concentrate on their day to day lives, their attention is constantly diverted to a large variety of worries. Panic Disorder A panic disorder is characterized by a feeling of intense dread. A panic disorder makes itself known suddenly through panic attacks. A panic attack takes place over the span of a couple of minutes and is characterized by an intense feeling of fear, heart palpitations, shortness of breath, choking sensations, trembling, or dizziness. The bo...

Cultural Considerations in Moral and Ethical Reasoning

Cultural considerations in moral and ethical reasoning The sound development of moral reasoning and ethics is an integral part of the growth and maturation of a healthy and productive human being. Without morals and ethics, a person cannot exist within society’s boundaries and would be doomed to be forever barred from its hallowed walls for as long as that person did not conform to the societal norms of having the ability to morally reason and implement a set of ethics. But morals and ethics, as necessary as they are, are relative and not absolute (Brink, 1989).This means that what a particular society constitutes as moral behavior is actually very much like beauty and in the eye of the beholder. The society in which an individual grows up in and is a member of dictates the type of societal rules that must be accepted as part of the price of membership. However, it does not take into account the various cultural differences that must affect which ethics and morals are adhered to in a particular place. Ethics are generally defined as the principles of morally acceptable conduct of individuals, and a person’s belief about right and wrong behaviors (Cosmides & Tooby, 2004).It is evident however, that the difference in cultures around the world make it quite clear that moral reasoning and ethics are directly influenced by the cultures in which they are developed (Boyd & Richerson, 2005). Behavior that is unacceptable in the U. S. is perfectly acceptable elsewhere in the world. For example, polygamy is accepted in most African societies, and even encouraged, but in the U. S. it is not only considered morally reprehensible, but also criminal. Homosexuality is accepted and even celebrated in the U. S. et woe betides the person trying to engage in this behavior in the Middle East, where it is considered a moral abomination (Haidt & Hersh, 2001). It is clear that there is no universal standard for moral reasoning not with culture, religion, and even environment playing roles in how it will occur (Wright, 1994).Therefore, it is of utmost importance to teach developing humans how to evaluate critically their own views on morality and that of others in order to preserve a balance in their world view no matter where they are. They must be taught an openness that allows for them to discuss omfortably moral matters with many types of people in order to gain a clearer picture of the world. By honing reasoning skills one can better evaluate ethical and moral statements or judgments (Gigerenzer & Goldstein, 1996) and this will help to describe the negatives and the positives of a situation and ultimately take us a step closer to understanding our world and the various subsets of which it is made up of.References Boyd R. , & Richerson, P. J. (2005). The origin and evolution of cultures. New York: Oxford University Press. Brink, D. (1989). Moral realism and the foundations of ethics. Cambridge: Cambridge University Press. Co smides, L. , & Tooby, J. (2000). Knowing thyself: The evolutionary psychology of moral reasoning and moral sentiments. Unpublished manuscript. Gigerenzer, G. (2004). Fast and frugal heuristics: The tools of bounded rationality. In D. Koehler & N. Harvey (Eds), Handbook of judgment and decision making (pp. 62-68). Oxford: Blackwell. Haidt, J. , &Joseph, C. (2004). Sexual morality: The cultures and reasons of liberals and conservatives. Journal of Applied Social Psychology, 31 191-221. Wright, R. (1994). The moral animal: Why we are the way we are. New York: Pantheon.

Interesting Speech Topics for Successful Presentation

Interesting Speech Topics for Successful Presentation Interesting Speech Topics for Presentations in Different Subjects 26 February, 2019 If you need to deliver an oral presentation in a specific discipline, you will surely want to come up with interesting speech topics. Appealing topics really matter as they demonstrate your ability to think outside the box and be creative and unique in your discussion and analysis. Moreover, your listeners will be actively engaged in your presentation if they find your topic interesting. Regarless of the topic of the presentation, you will need to spend much time on conducting an extensive and in-depth research. As such, be sure to devote to yourself sufficient time for that. Apart from general analysis and evaluation of the topic, you may as well want to express your personal opinion or provide a reflection on the topic. When choosing topics for your presentation, you should not only focus on interesting speech topics but also take into account that the topic should be familiar to you. It will be easier for you to give a presentation on the subject you are well-versed in. First, you will understand it in depth. Second, you will be able to explain it to your audience in the most understandable way possible. If you want to know more about interesting speech topics for your presentation, read on the article. Interesting Presentation Topics on Technology and Science Evolution of robotics. What are the benefits from the World Wide Web for people? What is a computer virus? Why are such viruses created? Provide some prognosis for the future exploration of the space and its influence on the earth. Analyze the issue of human cloning from ethical and scientific perspectives. How will artificial intelligence evolve in the near future? Biological weapons: what are its types, potential threats, and consequences? How are peoples lives changed by the social media? What is the future of GMO? How is it used in agriculture? Peculiar things about the human brain. What are the most striking discoveries you have ever heard of? Environmental Topics for Presentations Nowadays, the problem of ecology, ecological footprint, and the means of saving peoples deteriorating impact on the environments is the most burning issue. That is why, you have to be really picky in your environmental topic if you want to influence your audience and provide food for thought on this grave issue. The most interesting topics on environment: Are people losing tropical rainforests? What are the potential consequenes of this? Why is it important to use only organic fertilizers? How to implement merely alternative sources of energy in the world? Why is it so important? How to reduce illegal cutting out of trees across the world? Discuss and analyze the most horrible floods in the history of mankind. What outcomes did they have? How to eradicate the animal abuse? What human activities lead to landslides? What are the potential long-term consequences? What problems could the ongoing rise of population lead to? Reasons why many fishes get extinct in oceans and seas. Discuss and analyze the effects of hurricanes. Good Informative Speech Topics on Academic Matters The following topics will bring your target audience closer to the everyday problms and issues that an average student faces. Read on and find out about the following informative topics for presentations: How can students communicate effectively and without conflicts? What are the principles of effective and polite online correspondence? What are the ways of getting good grades? How to maintain good academic reputation? What are the ways for college and university students to earn some extra cash? How to find time for extracurricular activities and succeed in some other areas apart from studying? How to be effective in preparation for the final exams? What are the most benefitial tips you could share with others? What kind of online jobs are manageable by students? How to write an exciting book/ and interesting blog/ etc.? Is it right to use assistance from online academic writing services? Informative Speech Topics for Presentations on Social Issues and Ethical Aspects It is crucial for students to pay attention to the social events and issues taking place in the modern society. As such, if they need to provide a presentation on some controversial aspects, it is recommended to get some fresh ideas from this list: Why is it not right to jusge people from their appearance? Why might looks be deceptive? Provide real-life examples. The way of living in indigenous societies. How to tell people about their annoying behavior without offending their feelings? What are the short-term and long-term consequences of discrimination? What are the overall impacts of individual behavior on the whole society? What are the daily duties and responsibilitis of police officers? What are the special features and traits of the left-handed people? Do you agree that actors and athletes are failrly paid? Importance of being able to work in a team. Informative Speech Topics on Conflicts, Wars, and Other Issues The modern world is a place full of conflicts and wars that break out in difderent corners of the planet. As such, the problem of conflicts is so burning nowadays. To make people realize the severity of this problem, you might present a speech on one of these topics: The reasons for the ongoing tension between North Korea and the USA. How is it possible to understand the reasons of violent culture in Iran? Do you agree that Iran is one of the reasons of war conflicts in the world? Investigate the reasons of World War I and World War II. Could these wars have been avoided? How can international organizations respond to wars and other serioius conflicts across the world? How can conflicts in the workplace be solved? What are the specific principles and startegies of solving conflicts among people and coworkers in particular? Genocide in Rwanda and its long-term effects. How is the society affected by war? Is there a growing gap between the powerful and the powerless? Does this gap lead to conflicts? What are the reasons why the war is taking place in the Middle East? Topics on Cultural Diversity, Immigration Issues, and Defense The history and importance of Memorial Day. The Great Migration of the 1630s. Why are many veterans not cared for? Why are so many of veterans homeless? Is a person free to move from one place to another/ from one country to another? What do you think may happen if all people started migrating rapidly? How did the Mexicans impact the USA when they migrated there? What are the traditions and courtesies of the military? Discuss the Mongol invasions and the outcomes. How can one understand different cultures and ethnicities existing in the world today? How do the Western cultures influence the American culture? What is so peculiar about the traditions of the African states? Persuasive Speech Topics for College on Law and Justice Is it possible to maintain absolute justice? Why are there so many irresponsible companies and corporations in the modern world? Provide examples of the most infamous ones? Why is it important for the government to impose regulations on different aspects and areas of the society? How do Islamic rules and laws differ from those in the rest of the world? Read Dostoievskys Crime and Punishment and analyze how justice is illustrated in the novel. Discuss and evaluate the international business rules, laws, and regulations for companies operating in the international market. How to cope with juvenile delinquency in the modern society? Do you think that justice is a myth? Can it be gained in the society? How do you understand the phrase Heaven Justice? Informative Presentation Topics on Business and Management If you major in Business and Management and would like to deliver a presentation, you should definitely narrow down your topic and choose a specific branch to present your speech in. You may find some ideas in the following list: How the aftermath of 9/11 tragedy was managed? How is it effective to organize your working day? How can social and civil responsibility be maintained in the modern company/ business? Discuss and analyze similarities and differences of managing business in developed and developing countries. How are conflicts managed in virtual teams? What were the reasons leading to the Great Depression in the USA? How to create a simple business plan? How can one develop and maintain operation of a business organization? How can wealth be distributed according to the availability of resourses? What role does censorship play when it comes to publications (particularly, online publications)? Informative Presentation Topics on Influence of Social Studies: What is the importance of learning social studies at school? Why is it important to be aware of the critical events that took place in the past and have shaped the modern history? What were peoples interests 20/ 50/ 100 years ago? How do past and modern events shape the future? What past discoveries or events led to the modern-day digital era of fast-advancing technological gadgets? What are the most popular journals and books devoted to the social studies? Where to learn information about social and historical events online? What job opportunies can you get after finishing your studies? Why is it so important to learn history? What are the terms and events that each person should be well-versed in? Topics for Presentation in Marketing How are peoples decisions influenced by marketing trends and global corporations? What is the role of advertising in global marketing campaigns? What are the effects of online marketing? Focus on both positive and negative ones. How to determine the most appropriate and effective marketing strategy for a specific business? How is social media used in business marketing? What advertising content can be clained unethical? What best marketing strategy could be used for a shoe-making company? How to avoid marketing errors? What are the simple techniques? What aspects should be taken into account when conducting an advertising campaign? Why is it important to include analytical section in any business plan? In general, these are just some of the many interesting topics that can be chosen by you for writing an interesting speech. Regardless of the topic you choose, be aware that you will need sufficient time for adequate preparation. Make sure you are hard working, diligent, enthusiastic, and creative if you want to provide a successful speech.

development geography essays

development geography essays Using a variety of contemporary geographic issues, discuss how they are related to the levels of development in nations that you have studied. The reasons for high or low development within any nation directly relates to an assortment of geographic issues. These can include things such as the changes to social and political power within a nation, peoples access to housing and employment, and the environmental quality in which the nation is surrounded. Environmental quality refers to the condition of a countrys environment and its ability to continue to support the population. It is for this reason that we regard environmental quality as an indicator of the development of a country, i.e. the more polluted the environment, the less developed the nation. In many developing countries, poverty forces farmers to overgraze land and also to deforest vast areas for fuel wood. Also, poverty spreads disease by depriving communities of clean water and adequate sanitation. Even where poverty is less extreme, lack of technology for disposing of industrial pollution or improving energy efficiency results in wasted resources and generates environmental damage. Pakistan has about 25 million ha of arable land. About 0.4 million ha is lost every year due to salinity and water logging. If these rates continue then by 2050 there will be no farmland left in Pakistan and Pakistans population will have doubled to 180 million people. In developed countries however, technology is so much more accessible and it provides us with an immense amount of material goods and comforts yet fouls our air with pollutants, generates hazardous wastes and creates enormous demands for energy. The United States, with one of the highest GNPs (Gross National Product) in the world, spends a very small part of its GNP on the environment. The quality of life of the population is affected as a result; for example, 30 000 people are thought t...

Program Theory Essay Example | Topics and Well Written Essays - 750 words

Program Theory - Essay Example Funnell and Rogers (2011, 58) stated that an effective social policy/ program needs to be able to overcome constraints arising from institutions, human resource, finance, and even politics that might be involved. In developing a social policy/ program, Funnell and Rogers (2011, 75-77) further noted that a theory is usually developed around the policy/ program, and it presents a feasible and plausible plan for improving the underlying social problem; this theory is usually known as the program theory. This present paper will focus on a social problem and the social program theory that has been proposed as a likely remedy to the social problem. More in particular, the paper will discuss the social problem that needs to be fixed, the solution that has been proposed to fix the problem, the likely outcomes after fixing the social problem, and how one can tell whether this social program has been fixed or not. The social problem The social problem that this present study proposes to fix is unemployment among graduate students. The root of this problem can be traced back to the economic recession that hit the United States in the period of 2008 to 2010, resulting into many job losses (Rushe, 2013). Moreover, in the run up to the last Presidential elections in the United States, the candidates were put to task on the social policies/ programs that they will implement to solve this problem, which has far-reaching detrimental consequences if it remains unresolved. Rushe (2013) stated that so far the Obama administration has been able to reduced the unemployment rate in the country because in the month of August, the rate of unemployment had decreased to 7.30%, which was an improvement compared to the previous rate that stood at 7.40% (Rushe, 2013). However, it is of essence to note that this rate is still quite high considering that the average rate of unemployment in the U.S was only 5.82% in the period of 1948 to 2013, and 1953 marked a record low of 2.5% while 1982 ma rked a record high of 10.82% (Rushe, 2013). Therefore, there is still a dire need of creating more jobs in order to absorb the unemployed, and even resolve some of the vices that are associated with unemployment within the society. According to Rushe (2013), this social problem is relevant in justifying the development of a new policy because creating more jobs will improve the living standards for American citizens, it will reduce the social crimes attributed to unemployment, and it will contribute to economic growth for the country. The program theory In relation to the social problem that has been identified above, this present study, proposed a program theory that reads as follows; â€Å"employed an engineering student is USA.† This theory acknowledges the social need that graduates need to find gainful employment in order up lift their living standard and make worthwhile contribution to the economic development of the country. The input that is under this program theory is for America to nurture more engineering students. Therefore, the output of this program is that the more engineers the U.S has the less the country will experience issues of unemployment. The impact of the program theory is increased rate of employment and the long-term goal is improved living standards for Americans and even improved economic development. The program theory is based on the premise that the engineering profession and in particular science and engineering has led to the creation of new

Social Entrepreneurship, Innovation and the Changing Ethics of Essay

Social Entrepreneurship, Innovation and the Changing Ethics of Organisations - Essay Example It has tried to depict that organisations can act mutually i.e. make profit as well as develop society. Implications and Value The study puts forward an understanding of social entrepreneurship which initiates social transformation and addresses significant social requirements which cannot be conquered by direct monetary welfares of entrepreneurs. In order to succeed in fulfilling social objectives, social entrepreneurs should develop new methods for reducing the costs of business operations and production. Social entrepreneurs can also develop joint ventures with other organisations so that they can increase the value in the society. Table of Contents Abstract 2 Objectives 2 Approach/Method 3 Findings Summary 3 Implications and Value 3 Introduction 5 Context and Background 6 Literature Review 8 Theories of Entrepreneurship 8 Social Enterprise 9 Issues of Social Entrepreneurship 9 Social Entrepreneurs and Innovation 11 Social Entrepreneurship and Changing Ethics of Organisations 12 D ata & Methods 13 Analysis Framework 14 Case of Rough Trade Music Company 16 Case of TOMS Shoes 19 Findings and Discussion 24 Recommendations 26 Conclusion 28 References 29 Bibliography 34 Introduction Since the traditional Greek era, entrepreneurs have been appreciated for their significant involvement to the economy of a country. In present times, entrepreneurs are similarly appreciated and often observed as possessing high willingness behaviour to succeed. Entrepreneurs make selections and conduct activities which impact on people’s life. Their decision can reinforce or deteriorate the future of organisation’s upcoming business possibility (Hannafey, 2003). In present days, the social entrepreneurship has evolved... The paper tells that since the traditional Greek era, entrepreneurs have been appreciated for their significant involvement to the economy of a country. In present times, entrepreneurs are similarly appreciated and often observed as possessing high willingness behaviour to succeed. Entrepreneurs make selections and conduct activities which impact on people’s life. Their decision can reinforce or deteriorate the future of organisation’s upcoming business possibility. In present days, the social entrepreneurship has evolved which leads to the formation of new social enterprises and constant revolution in existing organisations. Social entrepreneurship is a multidimensional concept linking the countenance of entrepreneurially virtuous performance to accomplish the social duty, a comprehensible agreement of determination and act in the face of ethical complexity. It is the capability to identify social value-creating occasions and crucial decision making powers for innovati veness, reactiveness and risk-taking behavior. Social entrepreneurship is regarded as innovative and market based tactics reinforced by the passion for social fairness. It is the creation of individuals, organisations and systems that challenge traditional organisational structures resulting insufficient facility or inadequate sharing of social and environmental products. The concept of social entrepreneurship starts with the term ‘entrepreneurship’ where the word social essentially transforms the aspect. Social entrepreneurship is the blend of passion, social duty with an appearance of business based discipline, innovation and willpower.