Swot Analysis of Bank Al-Falah Essay Example

Swot Analysis of Bank Al-Falah Essay SWOT Analysis of Bank Al-Falah Here we have applied this very useful technique to identifythe strengths, weaknesses, opportunities and threats ofBank Al-Falah. Strengths Strengths Strong Financial Position Strong Financial Position As we can see in the financial statements of the bank, the financial position of the organization is very sound and its profitability is in increasing. The Earning per sharehas been increased on a rate of about 50%, which is a verypositive sign. Highly Qualified Employees Highly Qualified Employees The bank has highly qualified and skilled workforceand it has succeeded to attract the best bankingprofessionals from across the country due to its growingpace and sound reputation. Conducive Environment Conducive Environment The management of the bank is very muchconcerned with the development of and improvement of theworking environment. The bank has state of the art andpurpose built branches where all the modern technologiesare provided to get the efficiency of the workforce and thecustomer satisfaction. Govt. Support and Encouragement Govt. Support and Encouragement As the owners of the bank belong to UAE and thetype of their investment in Pakistan is a foreign investment,the govt. is fully supporting the bank management due to itspolicy to maximize the foreign investment in the country, toget the economic prosperity. Fastest Growing Financial Institution Fastest Growing Financial Institution Due to its successful business policies and thestrong financial position the bank has achieved thereputation of fastest growing financial institution in thecountry. We will write a custom essay sample on Swot Analysis of Bank Al-Falah specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Swot Analysis of Bank Al-Falah specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Swot Analysis of Bank Al-Falah specifically for you FOR ONLY $16.38 $13.9/page Hire Writer It has greatly increased the customers confidencein the bank Huge Expansion Plan Huge Expansion Plan Due to its strong financial position the bank has undergone a huge expansion plan to compete with the existing bank all over the country and with the passage of time the branch network is expanding at a very good pace. Young and Energetic Workforce Young and Energetic Workforce As the bank is a newer one in the country, the bankhas an advantage over its competitors because the majorityof its workforce is young and not very much over aged. Thus the bank is getting maximum out put from its youngand energetic workforce by spending comparatively less ontheir remunerations. Islamic Banking Division Islamic Banking Division The bank is one of the pioneers of the commercialbanks who have started the Islamic Banking along with theirconventional banking. The bank has a separate network ofits Islamic Banking Division which has 16 branches acrossthe country and this network is also expanding at a very good pace. Weaknesses Waiver of charges Waiver of charges Currently the middle management of bank Al-Falah is thebig reason for waiver of charges. Bank Al-Falah loosing alot of its income likes (Cheque book charge, online charges,statement charges, and other things) because ofmanagement. This is a weakness of bank Al-Falah. Inexperienced workforce Inexperienced workforce As the majority of the workforce consists of young professional, they lack in their experience. And sometimes ack of experience becomes a hurdle while serving to thecustomers. It is the point where they feel difficulty whilecompeting the other bank, which have a very experiencedworkforce. Over work Load on Employees Over work Load on Employees It was observed in the branch that as compared tohuge business the bank is dealing in, the no. of employeesis lesser and thus there is an increased workload on theemployees. Due to this the efficiency of the employees isreduced. Employees are not very much Employees are not very much Motivated Motivated As discussed before, the workload is high and theemployees, especially the credit department, have to dolate sittings to complete their tasks. On the other hand thebank has revised its salary increments policy to decreasethe increment rate, as a result a decreased motivation levelof employees is observed Opportunities Rapidly Growing Economy Rapidly Growing Economy At present the Pakistan’s Economy is growing on avery fast pace. The rapid growth of economy has resulted inthe increase in the growth rate of all economic sectorsespecially in the banking sector which is growing at afastest speed than ever and in future the growth is expectedto increase even a higher rate. Increased Interest Rates Increased Interest Rates The SBP has revised the interest policy and theinterest rates have been linked with the KIBOR rates. Dueto which the banks interest rate has been substantiallyincreased which will greatly increase the banks’ profitability. Mega Projects Financing Mega Projects Financing As the increase in overall business activity in thecountry, the investors are launching various types of MegaProjects especially in housing and textile the bank has agreat opportunity to finance these projects at very profitableterm. Huge Demand for Consumer Huge Demand for Consumer Financing Financing The increase in per capita income and overalleconomy has resulted into a great demand for theconsumer financing especially for home finance and carfinancing and it is said that this trend will increase more infuture. The bank can earn a lot by focusing on its consumerfinancing sections. Merger with UBL Merger with UBL After the privatization of United Bank Limited,  themanagement of the BAL has purchased the majority sharesof the UBL, and it is planning to merge these two banks. AsUBL is the second largest bank in the country, this mergercan make the bank the largest bank of the country. Growing Trend of Islamic Banking Growing Trend of Islamic Banking There is a very good growth trend in the Islamicbanking in the country and in the world as well. BAL has theadvantage of having full fledged Islamic Banking networkand the growth in this particular field can be very fruitful forthe bank. Spending Practices of Mass Spending Practices of Mass As the Pakistani’s are known for their extravagantpractices, and to fulfill their funds requirements they don’thesitate from getting loans from banks. Thus there is a verygood scope for the bank to run successful business in suchcircumstances.

Life After Death †Personal Essay

Life After Death – Personal Essay Free Online Research Papers Is there life after death? In my upbringing thru the years, I always felt there was life after death. Listening to the older relatives who were some time on their deathbeds, they would drift in and out and say what pretty lights they see and the people are having so much fun. Some people tell that they see their loved ones urging them to come on and join them on the other side. I remember an old saying is when one person dies a new life is created in the family. When my grandmother past, nine months later my grandson was born. Can I say this was my grandma coming back, who knows? Some on my grandson’s mannerism when he was born reminded us of my grandmother, the way he used to move his hands and stare at a person sideways to try to believe what they were saying. As for what happens after physical death, I think each person afterlife is their perception of what the afterlife is. You believe in re-incarnation, youll be re-incarnated. If you believe in the concept of heaven based on the strength of your faith you will go there. If you spend your whole life apologizing for sin and living in a kind of shame maybe you go to hell and feel that shame for eternity. People will tell you the way you live your life here on earth is just a test of faith for what is to become of you in the afterlife. I believe we are all tested in one way or other every day. A lot of the afterlife believes comes in different religious believes also. Some religions believe once you die and are buried your body turns to ashes and your soul is returned to heaven and that is it. Other religions believe once you die if you have lived a Christian life you are re-born again. Many assume that after receiving Christ, a joyful entrance into heaven is all that remains. Scripture teaches that Jesus will reward us according to how we lived our life on earth. He taught this principle in the parable of the talents in Luke 19. Each servant was entrusted to administer the talents the master gave him. Upon the return of the master, each servant had to give an account for his stewardship. The wise servants were rewarded doubly, while the wicked servant was removed. Hundreds of people from all around the world have experienced what is now called Near Death Experiences. Each story is different, but they also share a lot of things in common with each other. Nearly all experience feeling wonderful and warm and thinking that they would rather be there than back on earth. People die and are reborn every time they experience a change in their life. There have been a number of very strange things that have happened to people who have flat-lined and been clinically declared dead. Some people can remember discussions in the room that occurred after their death and recite them later with accuracy. Does that validate death and life for certain? To me, it tells us there is a spiritual world beyond our own realm of life. Bottom line the power of the human mind cannot be underestimated, we create our own lives and realities, and we also create our own afterlife. Research Papers on Life After Death - Personal EssayThe Gnostic JesusThe Damnable Life of FaustAlbatross and Rimm of the Ancient MarinerTartaros A Place of Ultimate PunishmentHenderson the Rain KingThe Story of Beatrix PotterHow did Humanity Begin?The Rise and Fall of Napoleon BonaparteImpact of Breast CancerEmmett Till Biography

Urban Health Essay Example | Topics and Well Written Essays - 1500 words

Urban Health - Essay Example o establish the causes of child obesity and the best ways the local authorities in the region and the many health practitioners can best deal with the rising cases of child obesity. As stated in the brief introduction, obesity is a lifestyle complication a feature that validates the investigation of the social structure of the society and the roles the planning of the city and the coordination of the activities of the state authorities can help mitigate such as the report below reveals. The borough has various public and private health facilities that strive to improve the health status of the borough. The NHS Lambeth works effectively with the various partners including both the private sectors and many other non-governmental organizations with the view of improving the living standards in the region and curb the rising lifestyle complications including child obesity (Spence, 1975). The NHS for example prioritizes healthy lifestyle practices in a bid to help change the social structure in the region. The government in conjunction with the local authorities has improved the quality of health services providers by the various service providers in the region through the provision of incentives and the sensitization of the importance healthy living. The research revealed that the government of England carries out various activities in the borough with the view of curbing the lower life expectancy in the region since most deaths result from lifestyle related complicati ons. Child obesity is medical condition in which children gain excess body weight. The disease has various causes including genetics and poor lifestyle, which is the main cause. Health practitioners have developed the term obesogenic environment to refer to a combination of factors that create a conducive environment for the prevalence of obesity in both children and adults. Most children with obese parents are likely to become obese. Researchers indicate that such may not arise from the genes but from

Introduction to Business Essay Example | Topics and Well Written Essays - 500 words

Introduction to Business - Essay Example I have been an active member of the school’s marketing and advertising societies where I learned how an idea could be transformed into the form of a concept and then moving further ahead, the shape of an execution is something that I touched upon in greater detail. With that, I also gained an insight into the world of advertising and marketing since there were a lot of seminars and workshops related with the field of business every now and then. I was once appointed as the leader of our college’s marketing panel where I lead a team of six individuals. Thus the aspect of team building and leadership is something that is ingrained in me. I cherish the university days and I believe it is perfect place to harness what one has learnt with the passage of time. I might not be able to achieve the same in the office since that is the time when money and time are basic considerations but a university is the perfect opportunity for an up and coming individual to polish his skills and talents. Apart from this, I took part in many voluntary measures carried out on an on and off basis at rescue work in earthquake areas and the rehabilitation for the same. My hobbies include reading marketing and advertising magazines and listening to what the top golfers have to say concerning the most serene of sports – golf. Moreover, I am a very good speaker and I try my ideas to the extremes in different declamation contests which are held every now and so often. I believe my motivation derives from within where there is an attachment with my likes which are in the field of marketing and advertising and how a single idea can be a powerful device of a mighty successful execution, only if all the deliverables are put in the right place from the onset. I believe there could be a vacancy for an Idea Generation Specialist at your esteemed organization that can bring out new and fresh

Genesis And Causes Of Naxalism History Essay

Genesis And Causes Of Naxalism History Essay Genesis The origin of the Naxalite movement can be located in the contemporary global context of the 1960s. The Naxalite movement was a part of the contemporary, worldwide impulse among radicals to return to the roots of revolutionary idealism. The Naxal leaders drew inspiration from the Indian peasant uprisings of the18th and 19th centuries and the more modern organized armed peasants struggles led by Communists in Telengana in south India in the late 1940s. Naxalism is essentially an outcome of socio-economic problems, mal-administration, un-accountability, perceived injustice and is an end product of agrarian tensions. The contention of Naxalites is that the existing system is corrupt, rotten and can be destroyed by violence alone. Naxals feel that it is the landlords and the state administrators who keep violence on their agenda. Naxals feel justified to counter it by violence so as to achieve radical reforms.  [1]  The genesis of this movement is based on peasants movement and agrarian discontent.  [2]  The primary aim of the movement was to liberate the poor through land and social reforms. Although, the aim was a noble one, the method chosen to achieve it was completely misguided and unlawful. The Naxalite movement quickly veered away from its professed agenda of social justice and, today, various Naxalite factions are nothing more than tools at the disposal of external forces that want to create internal turmoil in India.  [3]   3. Naxalism grew from a tiny movement of Charu Mazumdar and Kanu Sanyal of village Naxalbari in the foothills of the Himalayas in Darjeeling district of West Bengal, carved out by him in 1967 after a split, from the ultra left sections of CPI (Marxists). Mazumdar greatly admired Mao Zedong and advocated that Indian peasants and lower classes must follow in his footsteps and overthrow the government and upper classes whom he held responsible for their plight. The movement, basically anti-landlord, acquired the nomenclature of CPI (Marxist- Leninist) in Nov 1967. A similar group, calling itself Marxist Communist Centre (MCC) was operating in the South. CPI (M) and MCC merged in 2004 and became CPI (Maoist), accepting Maoist doctrine of revolutionary agrarian war of seeking power through armed violence and surrounding the urban centres from the countryside. Their activities soon accounted for approximately 90% of revolutionary armed action in India. This brand of revolutionary activities came to be described broadly as Naxalism in recognition of the village Naxalbari from where the bugle of armed revolutionary agrarian revolt was first sounded.  [4]  Ã‚   4. Naxalism and its threat to the state have been growing steadily in the past forty years. Their ideology appeals to the deprived and downtrodden. They have a coherent organisation whose members are ready for sacrifice. They have visionary plans of seizing political power through armed violence. They display a robust will and determination of purpose.    Naxal Ideology 5. Naxalism is the ideology followed by Naxalites in India. It is based on the principles of Marxism, Leninism and Maoism. 6. The Marxist Communist Centre (MCC) is distinguished by its commitment to an earlier version of the Charu Mazumdar, which envisions protracted armed struggle. The MCCs philosophy revolves around two grounds. The first is that, within the country, a revolutionary mass struggle existed and the people were fully conscious and even prepared to take part in revolution immediately. The second was that militant struggles must be carried on, not for land, crops, or other immediate goals, but for the seizure of power. These assumptions are reflected in all their views, whether on organization, on strategy or on tactics. As a result, all efforts and attention is firmly focused on revolutionary activities to undermine the state and seize power. Though the Peoples War Group (PWG) also held a similar view till the early 1980s, it has since shifted focus and established several political front organisations. The PWG gradually discarded its initial assessment of the peoples level of preparedness for an armed struggle, and consequently revised its strategy of immediate seizure of power. Though the armed struggle is not discarded, considerable differences emerged on the issue of the appropriate methodology. There is now increasing emphasis on the process of party building and the encouragement of mass political organizations. Their perspectives on strategy and tactics are also somewhat more nuanced, and there is an acknowledgement that the issues on which the struggle should be conducted necessarily depend on the level of peoples consciousness and the nature of problems faced by them.  [5]  . The PWG has remained unwavering in its ideological commitment to class annihilation, to capturing power through revolutionary warfare on the Maoist pattern, and in its rejection of Parliamentary democracy. This strategy entails building up of bases in rural and remote areas and transforming them, first, into guerrilla zones, and then into liberated zones, even as an area-wise seizure is consolidated, and cities are encircled. Within the theoretical constructs of its peoples war strategy, as well as the PWGs past practices, moreover, negotiations have been used as a tactic and opportunity for recovery, consolidation and expansion.  [6]   Causes for Growth of Naxalism 9. The region, over which the Naxalites have established their presence, is marked by widespread poverty, corruption, unemployment, lack of development, poor governance and an under-equipped police force. In many of these areas, the state machinery either does not exist or has a very limited existence. Naxalites fill the vacuum and exploit the poor performance of the institutions of governance on issues such as land rights, minimum wages, education and anti-corruption. In some areas they have assumed many of the tasks of the state and run a parallel administration.  [7]  The major causes for growth of naxalism are as follows:- Social Inequalities. Atrocities, subjugation, discriminatory treatment of dalits and lower caste peasants by the upper caste landlords continue to be very common in naxalite affected parts of the country. Economic Deprivation. There is extreme poverty and utter lack of economic development in many parts of the country. The landlords do not follow the stipulated minimum wage rule as laid down by the government. Infrastructure Inadequacies. The areas affected by the naxal movement are one of the richest in terms of natural resources. Even then, these areas have not seen any infrastructure development and continue to remain neglected by the authorities. Tribal and Forest Policies. The primitive methods of cultivation have left the tribal people economically fear behind in comparison with other peasants. The tribals have been denied their traditional means of livelihood and hence, their only means of survival has been taken away from them in the name of our forest policies. Inadequate Governance. It is a known fact that in many of these areas, there is no governance at all and the state and civil administrative infrastructure is virtually non-existent. Strategy 10. The Naxals follow the strategy of armed uprising and the theory of revolutionary base. From such revolutionary bases they would strategically be in a position to launch a frontal attack on the enemies of the peasantries and the backward classes. Having complete possession of the revolutionary bases, Naxalites would be launching attacks on large villages, and eventually, guerrilla attack upon cities. The aim of the above naxalite strategy was the annihilation of the landlords, moneylenders, police and its informers and those who would prevent them from establishing a strong hold over the villages.

Isolation of Eugenol from Cloves

The experiment conducted, isolation of eugenol from cloves, is the extraction of the essential oil. To perform this experiment cloves and water were mixed together and heated by a heating mantle in a round-bottom flask. A direct stem distillation took place, and the oil product was out aside for a week. After one week, the isolation of the eugenol actually takes place. Next the thin-layer chromatographic analysis takes place, but the experiment did not proceed to that step due to the incorrect amount of NaOH. Introduction The isolation of eugenol from cloves is isolated from ground cloves using the technique of steam distillation, which is often used to isolate liquid natural products from plants. Essential oils are also used to produce flavoring, fragrance, and cleaning products. The compounds found in the essential oil of cloves are eugenol, eugenol acetate, and B-caryophyllene. Smaller amounts of compounds found in the essential oil of cloves are hydrocarbons, alcohol, phenol, ether, aldehyde, ketone, acid, and ester. Essential oils are volatile and have an odor. Essential oils are often flammable, soluble in alcohol and ether but partially soluble in water. The technique used was steam distillation. The steam distillation technique was used because it lowers the pressure in the flask so that it does not have to be heated at such a high temperature. High temperatures could possibly decompose organic compounds. Experiment The first procedure used in the experiment was 25.3g of whole cloves into a 500ml round flask. Then add 150ml of water into the 500ml round flask. Connect the apparatus, funnel with water, distillation head, condenser, and receiver using grease and clips to hold the equipment together. Connect the equipment to a stand by the separatory funnel so it can stand alone. Place the 500 round flask into the heating mantle. Place two pipes in the two openings of the equipment. The opening closest to the 500ml round ball flask, the water will be exiting into the drain. The opening closest to the 250ml round ball flask, the water will be entering. A pipe was placed in the water outlet and turned on The water began to boil the cloves. Distilling continued until 75ml of the liquid was collected. When the water boiled to high the heat was decreased to prevent bumping. When the water level got low water was released in the 500ml round ball flask from the separatory funnel. The liquid collected was sealed with a stopper and set aside until the next lab. The next lab, 6g of NaCl was assed to 100ml distillacte. The solution was poured into the separatory funnel. In the separatory funnel 25ml of CH2Cl2 was added, and the two solutions separated. The dichloromethane was higher density liquid and the aqueous solution was the lower density liquid. Pressure was released from the separatory funnel and tipped over 3 times. The dichloromethane which was the bottom layer was drained and collected into Erlenmeyer flask. After repeating this step 3 times, the aqueous solution was discarded which appeared white and cloudy. Next CaCl2 was added to the flask containing CH2Cl2 extract into a graduated cylinder which was 58ml. From the total amount of the 58ml CaCl2 and CH2Cl2, one-fifth of the solution which was 11.6ml was added into an erlenmeyer flask and boiled. While boiling the CH2Cl2 evaporated. Before the solution was transferred into the vial, the vial was pre-weighed. After the solution was added the vial a hairdryer was used. The vial weighted 2.17g. Four-fifth of the CH2Cl2 extract was transferred in the separatory funnel. 25 percent of the 50 percent NaOH was added to the separatory funnel, and collected the aqueous layers. The process was repeated 3 times. The CH2Cl2 solution was kept as well. The separatory funnel was washed with 25ml of CH2Cl2. The CH2Cl2 was then discarded and the aqueous solution was capped and left for next lab. Before CaCl2 was added to CH2Cl2 extract an Erlenmeyer was pre-weighed at 117.26g. The solvent then evaporated and weighed in at 142.45. The solvent was stored to the next lab. The next week the experiment did not go to completion. Results The amount of the essential oil was the little vial times 5 which was 10.85g. The amount used to isolate the essential oil was the little vial times 4 which was 8.68g. From the amount CaCl2 and CH2Cl2 solvent was 25.19g. The other results were not completed due to an error in the experiment. Discussion The experiment did not go to completion, because 50 percent of NaOH was used instead of 5 percent of NaOH. The pH was 15 percent. The complete process of the experiment is steam distillation of the eugenol in cloves. After the eugenol is in the distillate extract with dichloromethane. Eugenol in the dichloromethane extract is extract with potassium hydroxide. The eugenol in base extract is wash with dichloromethane, acidify with hydrochloric acid, extract with dichloromethane. Eugenol in dichloromethane extract is washed with distilled water, wash with sodium chloride, dry with sodium sulfate, and distill off dichloromethane. The result will be pure eugenol.

The Privilege of Being White: An Auto-ethnography

One of the most distinct and powerful aspects of the American society is diversity.   It is constituted by different people of various races, ethnicity, origin, color, beliefs and even languages.   America leads in this global phenomenon as it features itself as the home of the free, the land of cosmopolitanism and universality.Immigrants in the US such as Latin, African and Asian Americans have become an integral part of American society. And as part of the American culture, unique individual identities of immigrants are encouraged to be asserted and accepted for assimilation and continued growth of the American culture.Behind that so called American dream that many immigrants yearn for is the issue of racism that continues to pervade American society. Racial discrimination has metamorphosed in new forms and channels in the modern age.   It has been institutionalized and cunningly integrated within the fabric of society as both institutional and cultural phenomenon. (Kivisto a nd Rundblad)The established forms of racial inequalities before remains very much existent but manifests itself in institutional mechanisms today which provided a new dimension of racial segregation in the form of privileges and racial stigma.An ordinary everydayUpon getting this assignment, I quickly started a conscious reflection of my regular activities and made a critical analysis of my social environment in order to recognize the so called privilege that white people enjoys in society.  Ã‚   The first thing that come up in my mind on my way home is that in a society dominated by whites, the white people is a norm.Thus, non-whites are regarded as different or non customary.   In the most peculiar yet common way, I can easily socialize with or get into a company of white people most of the time.   On the other hand, I would have some hesitations in approaching or getting along with non whites.   At this point, I realize that there seems an unconscious prejudice within me that I can relate better with white people because I am one of them and subconscious assumption that they see me as a reflection of themselves as well because I am white.On the other hand, my hesitations to approach non white people may have also stemmed from some kind of bias that non whites are hostile or unwelcoming.   In worst scenarios especially towards non-whites in the streets, there seemed an automatic supposition on my part that they are gang members and are potentially dangerous.I believe that these subconscious feelings are reinforced and sustained by the popular media particularly how non whites have been negatively affected by stereotypical portrayals and the how whites are given privilege. (Branscombe and Doosje)The motion picture is one of the many media through which systematic racial, cultural, and historical discrimination and stratification in society is depicted as a reality in society.   The movie, â€Å"Boyz in the Hood† for instance, tells of the s truggles and perils of a young black man living in the ghetto were joining a gang is a survival kit and that violence in the neighborhood is a way of life.The controversial film â€Å"Do The Right Thing† in 1989, on the other hand accounts a series of events that described the racial tension in a predominantly black neighborhood that resulted to violent conflict in the end.   The movie, â€Å"higher learning† on the other hand, tells of the discrimination that extends in academic institutions that led to the murder of students as well.   The constant portrayal of non whites as gang members made me think that most blacks and Latinos are gang members and are therefore potentially treacherous and threatening.