The Year that Changed My Perspective of School :: Expressive Essay

The Year that Changed My Perspective of SchoolIt all get crackinged a week in front the new schooltime year. The year of the sneezing, coughing and nonstop runny nose was preparing its over throw of summer. I wasnt too excited about it. In detail I dreaded it. Advertisements came flying through the mail. Every one of them had printed boldly Back To School and Back to School again. It made me sick to my stomach. I threw all ad in the garbage. I never knew it but this school year was to change my view of school and the people in it completely. The first hour of school was a disaster. Mainly because of Mrs. decoration my new history teacher. At the sound of the bell she carried a pile (2ft. high it seemed) of papers from her desk to all the students. Welcome to the fantastic world of history, she announced, My name is Mrs. Laurel and these here few papers are the requirements and rules of my class. She passed out what amounted to be forty papers for each student. Then she smiled and said, We will start with you. She pointed directly at me. You start reading for us and then well circle all around the room so everyone can get their chance. My face red-faced red, my heart pounded through my chest. I was sitting way in the back but some how or another she picked me. She noticed me. This was the worst first twenty-four hour period of school in my life. Well, I read. I read and I read and I read. I read the whole entire thirty minutes because Mrs. Laurel never stopped me and I was too afraid to stop. So I jumbled and mumbled over words. My face turned oven red and my voice sounded hoarser and hoarser. Some of the students began to giggle. I felt terrible. It was the bell that saved me. Young lady Mrs. Laurel called to me as the class shuffled out the door. You will start on the Student Expectations paragraph tomorrow alright Yes Mrs. Laurel, I said quietly. Then I ran quickly out the door. The next morning I didnt go to class. I hid in the bathroom stall.

Aborting a Child isnt the Right Choice :: essays research papers

Abortion to the Webster dictionary is the term used to describe the premature expulsion of the fetus from the womb, or the operation to cause this. It is when a pregnant woman intentionally gets rid of her child before it is fully developed.Why do people do it? Is it killing a human life? What are the benefits for having an abortion? Should it be made illegal? I tell you my side how I feel about it. Abortion is the killing of a child before the birth. They usually take a needle and put it into the mothers womb, and kill it.It comes out of the womb half way, then they kill it. To me that is just sick. I calculate that it is in humane to kill a live child.Just commend, it is alive. It needs oxygen to breath. It needs food to live. And if you dont take care of the baby, it wouldnt come out. Abortion should be illegal.There are certain exceptions where it may be acceptable to perform abortions.For font,if a womans life is threatened by her giving birth,then an abortion should be performed to save her life.Another example is if a woman is raped and she becomes pregnant as a consequence of that rape,then it is understandable that she would not want to give birth and care for that child,because it will everlastingly bring back memories of the horrible incident.Other than those two exceptions, I dont see how anybody plunder do abortion.I think women who want to have abortion precisely dont understand the circumstances or havent been told what it does.When they find out what abortion really does and what its all about, I think that they will be few who would want to do it.Just think you come home from work one day, and all of the sudden your kid gives you a striking big hug. That shows love. And after a long days work, wouldnt anybody want some love from a child. Offcourse when they are little they scream, and kick, but they also give love, and affection, and can be the cutest thing. And if you abort a it, you wont get those affections,you wont even get the chance to see she or he. I think people also just want to make apology for what they have done.

Human Interaction via the Internet :: Exploratory Essays Research Papers

Human Interaction via the InternetThroughout the course of this class, and more specifically the process of generating an idea for my final project, I found myself drawn time and again to the way people interact with each other electronically namely the internet. Having been involved in computers and nearly everything associate for the majority of my life I have experienced a number of different tools and applications from chaffer rooms to online games to instant communicate that provide a gist of interacting with others in a number of different ways. This experience and other concepts and ideas that Ive either read about or envisi 1d stood as my foundation in decision making on and formulating this project.The many methods of electronic fundamental interaction can be overwhelming. With the relatively recent emergence of online gaming we have been exposed to yet another. This form of interaction however is more involved than most. There are monsters and quests to distract you an d keep you busy doing other things. This is probably not the ideal environment for the casual blabber room user. On the other hand a standard chat room or even slightly more visual instant messaging programs may not hold the interest of the avid gamer. I wanted to do something that would appeal to both sides while at the same time staying unbowed to the social interaction that from which so many of the online games tend to stray. By combining a familiar chatting environment with the visual graphics of a digital environment a hybrid experience a more engrossing experience can be achieved.Your average chat room focuses on text as the main resource for transmitting and gathering information about the many different users. In the world around us a much large portion of perception is taken from imagery. However, we often use words and images in combination to present information that could not be conveyed by either one alone.* By combining the two, a more complete picture is formed. Likewise, by adding a world environment that each users custom, animated avatar can strike around in people can express them selves in a completely new dimension that has never really been explored in a chat environment before. Not only would each user decide on a unique name, they will also be able to decide on the physical appearance of their own character. From gender to hair style and color to clothing everyone will have enough options to be able to choose a unique look all their own.

James A. Michners: TEXAS :: essays research papers

In this magnificent historical novel, James A. Michner skillfully combines fact and lying to present one of our most expansive and change states. Spanning nearly four and a half centuries, Michner begins with the first Spaniards to explore parts of present day Texas, Cabeza de Vaca and Francisco Vasquez de Coronado and continues on to the emergence of Texas as one of our most effectual states.Michners use of historical fact is extremely accurate in his portrayal of events in Texas history. Particularly when he writes of the fight for Independence from Mexico. Michner only strays to fiction in an attempt to illustrate to the ref what the lives of early Texans must have been like. His characters interact with actual historical figures and create very believable scenarios of the events depicted in his novel. One Scenario in particular is the Battle of San Jacinto. This is a historical event which ended in a decisive victory for the Texas Army and Independence for Texas. Michners dep iction of this battle is very accurate except for two important points. In his novel, Stephen F. Austin is sent to destroy a ferry owned by a former lover, Mattie Quimper. This was to prevent the Mexican Army, under the command of General Antonio Lopez de Santa Anna, from crossing the river and give more time to the Texans to prepare for the inevitable battle. This incident is fictitious, entirely it is similar-to another factual event. At San Jacinto, General Sam Houston sent one of his men to destroy a bridge crossing the San Jacinto River. This was to prevent reinforcements from joining Santa Annas forces, which were already on the Island. The second point which was fictional ,but was based on an actual event, was the capture of General Santa Anna. In Michners novel, a bumbling Yancy Quimper, comes crossways a half naked Santa Anna, who was trying to evade capture by hiding in the trees.Quimper, being a coward, nearly shoots himself in the process. This alerts another fictiona l character, Otto MacNab. MacNab takes Santa Anna into custody and presents him to General Houston. In actuality, a Texas Army Sergeant captured Santo Anna the day following the battle.Michner includes these fictional characters as part of a sub-plot designed to keep the reader interested in what is a purely military campaign. He remains true to historical facts and only adds fiction to color his amazing storytelling abilities.

How should states who are all facing the same security dilemma interact

deep down a society, the populace are compelled to follow rules due to being prompted by a higher authority. When these laws fail, rectifying this deficiency becomes a priority of the state murderers are arrested, riots are suppressed, new regulations and safe checks are imposed to deter future renegades from harassing the system. These actions by the states sovereign agency gibe that the community remains harmonious and balanced. Within the international community an individual state is unable to defer to a higher authority to demand that judge be enforced, since there is no authority higher than the state itself. The consequence of this is that independent nations are forced to rely on themselves for security within international society. These facts lead to a question that has been at the core of just war theory debates how should states who are all facing the same security dilemma act with one another? The various theoretical answers to this question form to two fundam entally opposed conclusions nations result either seek to expand their individual power to facilitate their own security, or will construct an international union to ensure mutual defense. While the latter promotes an international community based upon cooperation, the motive predicts perpetual conflict. In order to perform an analysis of these conflicting predictions we will turn to Thucydides, who provides a historical example of this debate within his recount of the Melian Dialogue. Within this dialogue, the powerful Athenians assert that enduringness alone justifies their demand for the submission of the weaker island of Melos. The Melians counter with their own plea to justice, claiming that the advancement of Athenian power and Melian autonomy a... ...rve life and annul death proves that the law of reputation is more suited to cooperation than conflict. Using power to maintain power ensures the necessity of the continual use of force to quell those who a states powe r is used to oppress. As the Athenians looked to history to prove that Nature always compels men to rule over anyone they can control, it fails to recognize that nature also compels men to be free, and the violence of the oppressor will be pitted against the violence oppressed. Even if the more powerful state is successful in its conquest, it will always be at war with those whose liberty it infringes upon. The strength that a nation utilizes to allow them to conquer today will be the same strength that forces them to fight tomorrow, and the next day. For these reasons the arguments of the Athenians must be rejected for those of the Melians.

How should states who are all facing the same security dilemma interact

Within a society, the populace are compelled to follow rules due to being prompted by a high authority. When these laws fail, rectifying this deficiency becomes a priority of the put up murderers are arrested, riots are suppressed, new regulations and safe checks are imposed to deter future renegades from harassing the system. These actions by the states s all overeign bureau ensure that the community remains harmonious and balanced. Within the outside(a) community an individual state is unable to defer to a high authority to demand that justice be enforced, since there is no authority higher than the state itself. The consequence of this is that independent nations are forced to rely on themselves for security within international society. These facts lead to a question that has been at the core of just war theory parameters how should states who are all facing the akin security dilemma interact with one another? The various theoretical answers to this question form to t wo fundamentally opposed conclusions nations pull up stakes either examine to expand their individual power to facilitate their own security, or will construct an international union to ensure mutual defense. While the latter promotes an international community based upon cooperation, the former predicts perpetual conflict. In order to perform an analysis of these conflicting predictions we will turn to Thucydides, who provides a historical example of this debate within his recount of the Melian Dialogue. Within this dialogue, the powerful Athenians assert that strength alone justifies their demand for the submission of the weaker island of Melos. The Melians counter with their own plea to justice, claiming that the advancement of Athenian power and Melian autonomy a... ...rve life and avoid death proves that the law of nature is more suited to cooperation than conflict. Using power to maintain power ensures the necessity of the continual expend of force to quell those who a states power is used to oppress. As the Athenians looked to history to prove that Nature always compels men to rule over anyone they can control, it fails to recognize that nature also compels men to be free, and the violence of the oppressor will be pitted against the violence oppressed. Even if the more powerful state is successful in its conquest, it will always be at war with those whose liberty it infringes upon. The strength that a nation utilizes to allow them to conquer today will be the same strength that forces them to fight tomorrow, and the next day. For these reasons the arguments of the Athenians must be rejected for those of the Melians.

Safety Management System

By recognizing the organizations role in accident prevention, SMSs provide to both certificate holders and the national aviation dominance e. g. (CAAS) A structured means of safety risk management decision making A means of demonstrating safety management capability before ashes failures occur Increased confidence in risk controls though structured safety assurance processes An effective interface for knowledge sharing between governor and certificate holder A safety promotion framework to support a sound safety culture Safety begins from both the top batch and the bottom up.Everyone from the receptionist, ramp worker, airplane pilot, manager, and CAAS Inspector has a role to perform. SMS is all ab step forward decision-making. Thus it has to be a decision-makers tool, not a traditional safety chopine separate and distinct from business and operational decision making. Why do we need SMS? We are now in a position where the common font accidents are diminishing in number. While its a major success story, its not a place to rest.When we find a cause that affects all or part of a large population of operators or other aviation participants, we can talking to risk through rulemaking a risk control that applies to veryone to address risks to which everyone is exposed. There will always be some of these risks and work will continue to find them and address them. Many accidents that occur, however, are due to the unique aspects of the run environments of individual operators of narrow segments of the aviation community.The causal factors of these accidents arent common to everyone they must be found and addressed with methods that are sensitive to the nuances of the individual operators situation. One of the defining characteristics of an SMS is its stress on isk management within the individual operators environment and situation its a gap filler between the common cause risk factors that are addressed by traditional regulations and those that are more el usive. Hypothetical Scenario Demonstrating the Need for SMS A well-designed aircraft with a history of reliable service is being hustling for a charter flight.Employees tow the aircraft from the hangar to the terminal. One employee sees wetness on the right tire as he unhooks the tow bar. However, he does not give it attention, as he is very busy and has third other aircraft to move in the ext 15 minutes. At the same time, a safety tester is walking through the hangar when she encounters a hydraulic fossil oil spill on the hangar floor. She notifies a Janitor to clean up the slip hazard as she leaves. While cleaning the spill, the Janitor wonders aloud where the spill came from. Afterwards, both the inspector and the Janitor continue with their respective Jobs.Meanwhile, the Chief Pilot assigns the charter flight to a new pilot with the company. While new to the company, the pilot is well trained and prepared for the flight. He is also eager to do a good Job and to impress the chief pilot. The chief tells him that the passengers and the aircraft are waiting at the terminal, and the new pilot has to get over there right away to keep the clients happy and on schedule. The flight requires a little more displace, so a fuel truck is called. While the aircraft is being filled, the fueler notices a small puddle of reddish fluid under the right main landing gear.He sees the pilot walking out to the aircraft, moreover before he can say anything, his supervisor calls and tells him to get right over to another aircraft. Recently, the fueler was criticized by his supervisor for taking too pine to finish his ork, so he quickly Jumps in his truck and drives off to the next Job without saying anything to the pilot. The pilot, wanting to make a good core on his passengers and the chief pilot, personally escorts them to the aircraft and begins his preparation for the flight.One passenger asks him a brief question as he is on the right side of the aircraft. In a moment of distraction, he does not bend down to inspect the right hand main landing gear. During taxi, the pilot feels the aircraft is taking the bumps a little hard, but continues to the runway for take-off. Meanwhile, up in the tower, an air traffic controller, who appens to like this particular model of aircraft, picks up her binoculars to take a look at the taxiing aircraft. She notices a wet spot on the right main tire and radios the pilot.The pilot tells the controller that he probably ran over a puddle and asks for his clearance. At the ending airport, the pilot executes a perfect landing and applies the brakes. The leaking hydraulic fluid heats up and ignites. The right main landing gear is engulfed in flames. The controller notifies the pilot and and then calls the crash fire rescue squad. The pilot calmly and proficiently manages the situation, successfully vacuating everyone from the aircraft without injury. The pilot and passengers watch from a safe distance while a perfect ly good aircraft burns to the ground. How could this have happened? wonders the pilot. Soon afterwards, the pilot is fired for failure to perform an adequate preflight inspection. Six months later, an aircraft is being towed out of a hanger. One of the employees sees wetness on the left main landing gear tire as he unhooks the tow bar Evolution of Safety Management Safety Management Systems (SMSs) are the product of a continuing evolution in aviation satety. Early aviation pioneers nad little satety regulation, practical experience, or engineering knowledge to make pass them.

The Relationship between Faith and Reason

Faith and flat coat are like two travel on which the human spirit inceptions to the contemplation of truth Explain the dangers for a theologian when credence and reason are divorced from each other. Use at least nonpareil example of a Christian teaching that shows the harmony of faith and reason The harmony of faith and reason are the grounds upon which some(prenominal) Christian teachings are built.This relationship enhances elements of both constructs, alone the danger of separating reason from faith is that reason will endeavour to prove literally and most logically which would cause the ultimate goal and question to be lost in deliberation and, on the other hand, separating faith from reason would cause faith to be viewed as mere fable or superstition. The two moldiness cooperate in equal conjunction in order for the human spirit to rise to the contemplation of truth as proposed in the encyclical letter Fides et Ratio by the late supreme pontiff Pope John Paul II.Reason could be simply defined as the logical conclusion drawn from literal occurrences or the substantiate nature of a tradition or practise. even so more elements of Reason hold true in addition to the prospect of something that can be proven. Reason is generally understood as the principals for a methodological inquiry, whether intellectual, moral, aesthetic or religious. 1 Any acquisition of intellectual knowledge, through either direct understanding or argument is a histrionics of reasonThe Internet Encyclopaedia of Philosophy Hebrews 111 states that faith is being sure of what we hope for and certain of what we do not see. The basis of faith is usually adapted from the authority of revelation whether that be direct ( matinee idol speaking directly to a person), or indirect (books of the bible, sermons by priests, etc). Faith depicts a trust in God and his promises to his nation. Pope John Paul II stated that through Christian teachings, what humans cannot see or touch is confirm ed by faith2Pope John Paul II, not only addresses the fallacious assertions of modern philosophers, but collide withers a remedy by demonstrating the truth of the Aristotelian or Tomistic worldview, showing that faith and comprehension are by no means contrary to one another, but that its essential for the progression of humanityof any kindthat faith and science (or reason) be used together. 3 The separation of the two cause a confusion, previously experienced by philosophers, that sections faith and science/reason as two detached entities.Viewing this detachment in its simplest formation, the human thinker surmises that for one to be faithful to God, and a religious being, they must reject all elements of reason and commit solely to the concepts of faith. Alternatively, one who would believe in a greater percentage of reason must be disbeliever as any rejection of God is inherently a rejection of faith itself. As the world develops and humans become more knowledgeable, it beco mes impossible to deny certain facts however this becomes a danger to all religious communities as by simplest thinking, trusting in any evidence is perceived as a rejection of trust in God.Herein lies the dangers for theologians prior of course to John Paul IIs Fides et Ratio 2 3 Fides et Ratio, John Paul II Catholic booster dose that acknowledges that reason and faith cannot be separated without diminishing the capacity of men and women to know themselves, the world and God in an appropriate way There is and then no reason for competition of any kind between reason and faith each contains the other, and each has its own scope for actionAs individuals, we must affectively reason within our own contexts and founded understandings of the world which we live, thus this will help us engage in our faith to make sense of the world we observe. 4 Noticeably it can be understood that faith, tradition and reasoning are intertwined within one another, you cannot digest one without the othe r and all 3 elements are essential components in understanding and living ones faith.The harmony of faith and reason is best seen through the story of creation. By faith we understand that the universe was make at Gods command, so that what is seen was not made out of what was visible5. This passage highlights the significance of the contributions from both faith and reason through genesis and the early books of the bible to the validity of belief. Plato tried explaining mans position in the world and the beginning of our time through the allegory of the window little sabotage.In the simplest form, the cave presents the backdrop upon which a play of shadows takes place. The men in the cave watch this play being executed from a light source as the only reality they know. While rumours flare of an outside world the play continues, and reason creates speculation over what is about to happen next and theories are developed regarding the purpose. over time, reason will explain most a spects of the show, but would only hold 4 5 Fides et Ratio, John Paul II 94 Hebrews 113 vidence enough to understand the earliest moments of the show. To reach full truth, faith needs to be introduced to actually believe in the initial source of light. Furthermore to the prospect, faith and reason question what happens if the light sources goes out for the play will not die as death is merely an understood element of the play. No one was around at the time of creation and no one has a direct knowledge of what happened so reason cannot confirm whether or not God did it.But reason does suggest that the universe is operating and therefore must have had a beginning. It is very intricately designed, from the basic laws of physics to the incredible complexness of the human brain. Whether a person looks at the beauty and exclaims, There must be a God or whether that person has to sit down and face the probability of these things happening by chance, the conclusion of the honest seeker is that nature does not explain itself. Furthermore the reasonable belief in Genesis 11, In the beginning God created the Heavens and the Earth is a sheer step of faith rather than an uninformed stab in the dark. The ideas and theories of past philosophers have greatly affected the divorce between faith and reason however John Paul IIs Fides et Ratio has significantly helped the church and her people understand and feel comfortable with the concept of a circle holding both entities together in a strong union where one feeds off the other.Theologians face a danger when thinking opposed to the late popes discussion as the concept draws contradictions and confusion from believers that leads to the assumption that they are less than faithful in the eyes of God for considering reasonable and proven evidence. Olsen, Ross Faith and Reason What is the Relationship?

Behaviorism Time Line and Today’s World

Introduction behavioristic psychology, as a theory evolved from around 1930 and fell out of favor around 1960. here(predicate) the number give look at the linear existence of behaviorism in reference to the discipline of psychology, as well as the main prestigious persons that raised the theory from its infancy to its heights as to the contributions each made. In conclusion, relevance to what is still in use to day as residual as well as what differences have pop offed what has changed and what has stayed the same.This investigation of the actual time line in comparison with the various groupings of the base theory as it evolved into various sub-groupings will be looked at particularly. Behaviorism Time Line and Todays World To have an idea of the theories involving behaviorism, it becomes crucial to know and understand the vocabulary and background of the harm and theories of the topic being discussed. This is a brief introduction of the theory of behaviorism, as it will be discussed and dissected here in.The evolution of this theory as well as contributions by its various champions will be looked at in a sort of time line to see what has been retained and what has been discarded over time. Behaviorism is the idea of all learned behaviors find contemporaries in specific learn and that this conditioning occurs with interaction with the environment (Cherry, 2009). Behaviorism also purports systematic and discernible study with little or no consideration of internal mental states (Cherry, 2009). Behaviorism can be broken into two distinct areas, being neo sheer and operant conditioning (Cherry, 2009).Classical conditioning consists of pairing a naturally occurring stimulus with a response, followed by the transference of the relationship to a formerly nonsubjective stimulus, thus causing the reaction to the newly transferred stimulus relationship (Goodwin, 2008). Operant conditioning on the another(prenominal) hand consists of the relationship of ei ther a give back or consequence regarding certain behaviors (Goodwin, 2008). This is also referred to as instrumental conditioning and revolves around the consequences of actions taken.Behaviorism can trace its roots to the empiricism idea of classical association pioneered by John Locke and David Hume as an idea loosely tossed about shortly before the 20th century in consideration of learning in animals and humans linking mental states and perceptual influences (ODonell, 1986). The earliest reference to behaviorism as an idea in consideration though comes from 1863 when Ivan Sechenov published a paper coroneted Reflexes of the Brain, where a concept of the minds responses being inhibited in the central nervous system instead of the brain itself occurs (Cherry, 2009).Even with this evidenced, the solidification of behaviorism would occur with the yield of the behavioral manifesto by John Watson in 1913 ushered in the genuinem of behaviorism that flourished from around 1930 until 1960, when it fell out of favor (ODonell, 1986). The time line genesis is associated with Watsons manifesto, but other prominent scientists had pending works in place before, much(prenominal) as Pavlov with his classical conditioning research, officially starting around 1910 (Babkin, 1949).This investigator worked with canines in reference to classical conditioning and behavior modification in Russia, and then the Soviet Union as it fell to socialism, which seemed the lesser of two evils the other being Nazi Germany (Babkin, 1949). His work was bolstered by the bolshevik regime at this time, who thought it would be a good tool for controlling their massive macrocosm to keep them in order and so funded Pavlovs research lavishly (Babkin, 1949). Edward Thorndike published his work Animal Intelligence, which lead to the theory of operant conditioning later in the realm of behaviorism (ODonell, 1986).Thorndike also went on to carry out the first major scientific study of the adult le arner and the learning process utilize by adults in 1928, and so formulating his theory of learning (Odonell, 1986). Kurt Lewin developed his theories on group behavior in 1946, working with T-groups in research with mob behavior and how it occurs, forming experimental theories still in use today by most counts (Lewin, 1964). Lewin worked with prejudicial situations spurred by social normality and group behavior in terms of group-think and mob behavior (Lewin, 1964).The ways groups interact and process as individual entities were the specialty he followed in his theories and assumptions, and became a pivotal expert in the situations of the sixties with Negro aggression, warfare revolts, and the rights movements to name a few of the situational events of the time (Lewin, 1964). Later, Skinner worked on the theory of operant behavior, with its schedules of documentation fixed ratio schedule changeable ratio schedule fixed interval schedule and variable interval schedule (Cherry, 2 009).Skinner was best known for his idea that the consequences of a behavior restore the probability of its recurrence (ODonell, 1986). In 1948, he published Walden 2, in which he described a behaviorist principally based utopian society, and in 1971, he published again, arguing that free will is an illusion in his book Beyond Freedom and Dignity (Cherry, 2009). It becomes clear, the radicalism of Skinner in statements such as that the final goals of behavioral psychology should be to predict and control behavior (Goodwin, 2008).Operant conditioning was his realm of work, separating conditioning into S and R types, where S is Pavlovian conditioning and R is where a behavior is emitted and a reactive consequence it given as a reward or punishment (Goodwin, 2008). With a stricter methodology his schedules of reinforcement would be repeatable and so fall more into the scientific methods, which was a new way to proceed in psychology research to that time in eliminating explanatory fic tion (Goodwin, 2008).Edward Tolman was a cross of the empirical research and the logical positivism, using theory to form predictions to be vetted out in research (Goodwin, 2008). universe goal-directed in his research, Tolman ideally thought of his methods as paralleling the subjects ultimate goals so he was able to follow in same (Goodwin, 2008). In this pursuit though, things happen to influence these goals, and Tolman labeled these as intervening variables (Goodwin, 2008). Cognitive mapping was a contribution of Tolman as was the downplay of latent learning (Goodwin, 2008).He argued with the ideas of Clark Hull on nearly every point possible, believing in cognitive maps for children to influence their abilities to learn both academically as well as in the real world in terms of tools they could take and keep in their lives (Goodwin, 2008). A lot of these people can not really be placed on a linear time line because they contributed several points to the evolution of behaviorism . The contributions come from a standpoint of little background followed by research and selective information digest in a collective knowledge base.Behaviorism has been declining in popularity for several years, or even decades as the philosophy of the cognitive theory changes through experiment and hypothetical ideas rendered based on observations and speculations alike. Behaviorism started as a method to understand the way actions are taken and why they are done so. behaviorist psychologists tended to mechanize the process, taking out of the scope the free will affect as well as that of decision on the part of the participant or subject of studies (Kassin, 2008).This can be seen in terms of either over-simplification of the mental processes or simplification of the tests for plausibility (Kassin, 2008). To this end, it can be seen how the testing apparatus couch in place for conducting such experimentation holds true in its function and viability, so the actions and testing res ults are still affective, although interpreted differently as to data extracted from such experimentation (Odonell, 1986). The tests and ideas found and exemplified by these pioneers of behaviorism still ring true, and can be used today, but in different context.The mechanistic procedures held strenuously at the time though are both outdated as the more complex background information is discovered as well as methodologies used in light of the neo-behaviorism that followed referencing some animal to human references (Roediger, 2010). The principles have stayed the same, but the application and reliance has changed due in part to diversity and the unprejudiced will to differentiate the various peoples of the world. Today, reflecting back on the age of behaviorism, we can still use some of the principles of behaviorism in terms of treatment of mischievous behavior as well as understanding why this occurs.In the time of the behaviorists though, thoughts of utopian societies with every one acting in unison, predicted and anticipated was just too motorised for society to swallow, and guarantee freedom at the same time(Roediger, 2010). Today, behavior analysis is often used in various therapeutic techniques for all kinds of situations of behavioral situations such as to help children with autism with developmental delays to acquire new skills needed in the world for example.Advances in medical science research tools as well as cognitive theories and treatment overshadow behaviorism as it has starting in the 1950s from that of strictly observational to that of scientifically tested and verified facts in modern cognitive behavioral theories simplistic boxes and pointers in references to thought processes of the day seem simplistic and abstract compared to todays brain scans for mapping cognizant processes in the advance of science in the roles of psychology research (Roediger, 2010).Behaviorism was never really proven wrong or accused of this, but rather drifted away due to its inability to renew in relation to todays research tools and abilities of examining what is really happening (Roediger, 2010). the learning history associated with behaviorism simply is not relevant to todays cognizant theorists, and is either compartmentalized, or cut all together as unimportant (Roediger, 2010). Babkin, B. P. (1949). Pavlov a biography. Chicago University of Chicago Press. Cherry, K. , (2009). What is behaviorism? Retrieved May 15, 2010 from http//psychology. bout. com/od/behavioralpsychology/f/behaviorism. htm Goodwin, C. J. (2008). A history of modern psychology (3rd ed. ). John Wiley & Sons, Inc. Kassin, S. (2008). Psychology in Modules-ORG 5002, Survey of Psychology II. Pearson Custom Publishing. Boston, MA. Lewin, K. (1964). T-group theory and laboratory method. New York John Wiley & Sons, Inc. ODonell, J. (1986). Origins of behaviorism. New York University Press. Roediger, R. (2010). What happened to Behaviorism? Retrieved May 15, 2010 from http //www. psychologicalscience. org/observer/getArticle. cfm? id=1540

Business Plan on Indoor Sports Complex

Type the enumeration title Type the document subtitle Type the abstract of the document here. The abstract is typically a short summary of the contents of the document. Type the abstract of the document here. The abstract is typically a short summary of the contents of the document. 2013 3/28/2013 TabTable of Contents 1. 1 line of credit Model7 1. 1. 1 Comp all Overview7 1. 1. 3 Objectives8 1. 1. 4 Mission8 1. 1. 5 Vision8 What is Futsal? 8 1. 1. 6 Facilities9 1. 1. 7 SERVICES10 1. 1. 8 Pitch10 1. 1. 9 Sports Store10 1. 1. 10 Food Court10 1. 2. 1 Concept11 1. 2. 2 Location11 1. 2. Man development12 Company Ownership12 1. 2. 4 Personnel12 2 The merchandising Plan13 2. 1 Market Analysis Summary13 2. 2 Market Segmentation14 Consumer Profile15 2. 3 Competition16 2. 3. 1 war-ridden Edge16 2. 4 gross sales Strategy17 2. 5 Pricing18 2. 6 Sales Strategy18 2. 7 Sales Forecast18 2. 8 announce Strategies19 Advertising and procession19 2. 9 Timeline20 3 Financials20 3. 1 Financing20 Start -up Funding21 3. 2 Startup Cost23 Start-up Requirements23 Pro Forma Cash Flow23 4 Conclusions25 5 Bibliographies25 5. 1 Experiences25 LETTER of TRANSMITTAL March 29, 2013 Taufique Hossain (TmT)Lecturer, School of Business North South University Subject Submission of Group Report. Dear Sir, It is a great pastime for us to submit this stem authorship on Indoor Futsal. We, Group SHOWTIME worked as a team to prep be the report as you instructed in the class. We atomic descend 18 pleased to inform you that we sustain thoroughly enjoyed working through this group report. It has enabled us to gain valuable knowledge and experience that would help us in our cargoner development. Therefore, we would standardized to take this opportunity to convey our deep regard for your valuable guidance and sincere inspiration.Also you tummy readBusiness Ethics ComprisesWe hope you allow enjoy reading this paper. In presenting this report, we have tried our level outperform to include all the rel evant ideas and the explanations to make the report informative and comprehensive. If you have any query regarding the interpretation of this project feel free to contact us. Thank you for believing in us and giving us this wonderful opportunity. Yours Sincerely, Name ID Contact Number ACKNOWLEDGEMENT Our premier(prenominal) acknowledge goes to the almighty Allah for giving us the patience and courage to finish this task within its deadline.Then, we cordially thank our respected course instructor, Mr. Taufique Hossain for his continuous guidance and support to make this report possible. He assisted us whenever we needed any help. His generousness and liberality aid us to go further with this report without any hazardous situation. We are deeply indebted to the people who helped us in flood tide up with this authentic report by taking part in the survey. It was crucial in the preparation of this report. We would like to thank each individual group member. Last but not the least we are very thankful to our family.Without their help this report would not be done so successfully, supererogatoryly our m new(prenominal)s. We thank them all for their love and trust. Executive Summary This would be an ideal opportunity to paraphrase that philosophy about life and death, and explain why taken in context, rather than flippantly flung down beside a crime of humanity or a human tragedy, that there is both truth and beauty in what foot testicleisto a greater extent than just a bet. It is more important than life and death, because its purely about life, which is eminently more important than death. unless that is to disrobe the sentiment of its context, to be irresponsible with the words. Football is about what you are and how you meet the world, and nothing at all to do with the futility of wasting time considering death. Football is about doing all that you fuck, disregarding of what happens beyond your oblige. In this city, scarcely do we get the chance to exercise our fury, and even more scarcely do note goers get to get their passion for football alight. Thats where the beauty of interior futsal comes in. Recognized by the FIFA as the official form of indoor football, it a star in its own rights.It is charismatic for youth and middle aged corporate officials, who hindquarters exercise their passion for football ache after the sun has gone down. After many pose tournaments in the impromptu indoor sports complexes, there begs to be an organized solution for enthusiasts in this sport. Thats where Sportsvana comes in. It blends virtues of traditional football with an unprecedented package. We result offer a fully functioning sport store, sports rental, and nutrition court and foosball table at our premises. Of those who are just about crazy for football, we offer an immersive experience bar any other.Even if you like a high in your dramastation better, we dare to convert you. On the other side, it functions in its legal form as a partnership subscriber line, and its food marketing channels, promotions and financial projections are shown in the proposal. We blend innovative marketing technique with a truly unique USP, and our strong suit is being able fond regard with people, being enthusiasts and players as well. That said, there is a need to upgrade the market to suit womens needs as well, and we provide see to regularly hosting womens futsal tournament, and make it as popular as women basketball or handball in this country.With the mission and vision on our sight, we cannot but be hopeful of our future, fabricateing a greater tomorrow with this symmetrical sport. 1. 1 Organizational Plan 1. 1 Business Model After a hard day at the University or Office, many regard an even harder push in the field bliss. Football releases energy and revitalizes the young souls, by completely tiring them out. Or 30 nearlything office goers, who have kept their passion for football alight. capital of Bangladesh cit y is not a place people can enjoy open handle. There are too many people and too less fields.In a random day, chances are you wont even get a place in the field. Thats where the need of an organized platform comes, the need of a sports complex, that exit organize the matches for you, book a place in the field, maybe bear food and relaxation, all in a nice and friendly package. Thats where the need of Sportsvana comes. 1. 1. 1 Company Overview Sportsvana Indoor Futsal is the only indoor futsal quick-wittedness in the Dhaka City area. The population of Dhaka City is 240,000 residents. Sportsvana has two professional-style, lighted fields, (73 x 140) featuring Field Turf, for fast- carry out, fun futsal.No matter what the weather conditions is, day or night, futsal players allow for find a safe, clean, and friendly atmosphere for futsal enjoyment. Several divisions for youth, men, women, and coed provide all playersfrom beginners to highly skilledthe right surroundings for recrea tional yet competitive futsal. League play is continuous category round. All league participants are required to become members of Sportsvana Indoor Futsal. The annual fee is 3000 BDT. Team registration per sitting is 3500 BDT per hour. Each session has 10 games with championship awards being given to the first place team.In addition, skills clinics are available for beginning adults and those wishing to polish their skills. The two fields can in any case be rented for practices, preseason and post-season team parties, camps, clinics, school grad nights, fund raising tournaments, organized leagues and more. A futsal store is on site to provide track futsal brands to players, teams, leagues and schools. The installment leave alone also have a small cafe that ordain serve drinks, sandwiches, and pastry. Sportsvana is a fully integrated sports company that offers our clients, young or old, a full range of sports management services from conceptualization stages to execution.We a re well equipped with experience and trained staffs in ensuring that all of our clients needs are met to a standard of excellence. We have the equipment to undertake all projects. Our experience encompasses events designed to appeal to specific targeted participants, events with appeal to the general public, events with corporate appeal such as sponsorship and hospitality and events which we manage for clients. Often our management skills have to incorporate one or more of these elements which are event creation, design and management, sponsorship, marketing and public transaction and personality management.We offer corporations a solution to these problems. We are able to handle all the sporting needs Sportsvana Indoor Futsal projects that the center entrust have more than 800 members, 30 adult teams and 30 youth teams by the end of year one. 1. 1. 3 Objectives The objectives for Sportsvana Indoor Futsal are the spare-time activity * Build rapidity rank and file to more than 8 00. * Register 30 adult and 25 youth teams by the end of first year of operation. * Develop speediness potential * Expand to Bashundhara by year 3 * Break-even by year 3 * Open new facility in Uttara by year 5 1. 1. 4 MissionThe mission of Sportsvana Indoor Futsal is to provide Dhaka Ciyt residents with a state-of-the-art Futsal facility that leave enable both youth and adults to enjoy the sport of Futsal year round. We hope to evoke sense of bond and competitiveness among students and even office-goers, who will find nirvana through the game of Futsal and other sports, thus Sportsvana. 1. 1. 5 Vision Our vision is to build a harmonious platform for youth and thirty somethings for a better future. What is Futsal? Futsal is a variant of Futsal that is compete on a smaller thrash and chiefly played indoors.Its name is derived from the Portuguese futebol de salao and the Spanish futbol de salon (colloquially futbol sala), which can be translated as hall Futsal or indoor Futsal. D uring the sports guerrilla world championships held in Madrid in 1985, the name futbol Sala was used. Since then, all other names have been officially and internationalistly changed to futsal. Futsal (Five-a-Side Futsal) is The Way the World Plays Indoor Futsal and is the international form of indoor Futsal approved by the Federation Internationale de Football Association (FIFA).It is played in all continents of the world by over 100 countries with 12 million players. The pitch is made up of wood or artificial material, Yinghui Court, or similar surface, although any flat, smooth and non-abrasive material may be used. The length of the pitch is in the range of 3842 m (4246 yd), and the width is in the range of 1825 m in international matches. For other matches, it can be 2542 m (2746 yd)in length, while the width can be 1525 m (1627 yd), as long as the length of the longer boundary lines (touchlines) are greater than the shorter boundaries where the goals are placed (goal lines).T he ceiling essential be at least 4 m (4 yd) high. A rectangular goal is positioned at the middle of each goal line. The inner edges of the vertical goal posts must be 3 m (3 yd) apart, and the spurn edge of the horizontal crossbar supported xx by the goal posts must be 2 m (2. 2 yd) above the ground. Nets made of hemp, jute or nylon is given to the back of the goalposts and crossbar. The lower part of the nets is attached to curved tubing or another suitable means of support. The depth of the goal is 80 cm at the top and 1 m at the bottom.Because the sport is a great skill developer, demanding quick reflexes, fast thinking and pin point passing, it is an exciting game for children as well as adults. The game is very economical and safe, simple and fun to play. Just by playing with the ball develops precise ball control and technical skill, agility, lightening reflexes and decision making. As the balls have less bounce they tend to stay in play longer and promote close ball contro l. After playing in enclosed areas and learning to think and react quickly, players find when they play to the full game they react well under pres accepted.Playing in enclosed areas develops creativity players are also constantly placed in demanding decision making situations in enclosed areas which is a major reason why Futsal is one of the finest teachers of the quick pass and move. In Futsal it is very hard to defend against a team that is adept at this type of play. Playing the beautiful game of Futsal is developed through Futsal. 1. 1. 6 Facilities Sportsvana is an indoor court reinforced to provide futsal addicts and players to enjoy real time playing futsal with friends and family.We provide all the amneties for them in night order to enjoy their futsal time. * We provide most importantly futsal court which is the turf, futsal balls, food services place to relax and rest, and futsal equipments. * On top of that, we take jersey orders for teams which is interested to do when there is any tournament organized by us * We provide stalls for sporting goods related to futsal and excercising gear * We take on the spot orders for customize jerseys, team jerseys, sports memorabilia and other items related to other sports s well * A stacked food court EPL matches on projector and 51 music scheme * Shower and changing room * 2 foosball tables * Membership cards, which provide a discount at match prices and an sms derived SMART system which allows to book matches and see timetables. It will also allow you to be listed as a player, reviewing you lifetime scores, passes made, assists and miles run. * Games videography assists and many more to come.. 1. 1. 7 SERVICES 4 Futsal Pitches (Turf, Decoflex, Herculan & Parquet Pitches on the built facility) . 2 International Size basketball Courts converted Parquet Pitches.We provide only the best Futsal Balls, Excellent pitch conditions, Spectator Galleries, Lounge Area with Tables,Shower / ever-changing & Rest live (Ma le & Female),Fans/Mist Fans, Sports Shop, Well stocked Food/Snacks/Ice Cream & Drinks, Booking services, EPL on Astro & Projectors. 1. 1. 8 Pitch Our pitch is converted from basketball court to futsal field. The lines and symmetry of a futsal field is roughly the same of a basketball court. But additional measures will be taken in case of tournament, as purity powder will be applied to create an international standard pitch.There are no walls around the Abahani facility. There is a wall along the gymnasium Field, but as per game rules, rebound on walls is not allowed. The pitch will feature 51 music system with songs on request. 1. 1. 9 Sports Store There will be a small sport store on the facility for impulse buyers. It will feature * Latest jerseys of international and national teams * Futsal equipment such as turf shoes, balls, shorts and socks * Football memorabilia * Small selection of boots * Custom T-shirts Also the store will feature an area where you can order your custo m jerseys and order sports equipment to specification 1. . 10 Food Court On the surroundings of the courts there will be a food and drinkable area where users of the facility can replenish their bodies. This area has been placed so the users may have a birds-eye view of the happenings on the courts while enjoying their pet non-alcoholic beverage and/or snack. Included in this area will be a big screen TV that will show sporting events, sports news, or appropriate programs those users wishes to watch. This aspect of the facility will be crucial in providing the desired atmosphere The sovereign Courts hopes to create. A qualified, experienced person will be hired to run this aspect of the facility. He/she will have the responsibility to meet necessary standards and to report to, and work flat with the general partners to make sure the needs of the users in this area are met. If additional staff are required, this person will hire and train those people in accordance with The Supreme Courts policies. * A fast-food menu featuring subs, rolls, burgers and egg based products. There is also a counter for health drinks and protein bars. * EPL matches in projectors on selected days * 2 Foosball tables 1. 2 administrative Plan . 2. 1 Concept This indoor sports facility will be equipped with 2 full international-sized Futsal courts converted from concrete basketball ground. This facility will also be equipped with lighting poles to enable evening and night play. Many value-added facilities will be provided to our customers such as, lockers, female and male changing rooms with showers amenities, a small cafe, parking and free Wi-fi access. As a social trend today, the atmosphere that we are trying to create is towards a greener and healthier environment and lifestyle with eco-friendly facilities (energy saving lights and water).In the tight and congested space of Dhaka City, few places remain which can provide this sort of facility session basis or at a rent. We have ch osen the following areas for our base of operations. 1. 2. 2 Location * Our first and primary location will be the Abahani Indoor Basketball ground, fully equipped with light poles, bars and equipment to be made into a futsal pitch. The Abahani is also equipped with spectator stands, changing room, space for stalls and parking. * This location can be had for rent or lease if it doesnt serve any other primary purpose. For example, if it doesnt have any Basketball matches on that very particular time. For our secondary base, we have chosen the Dhaka University indoor games facility, with its basketball ground which can be converted into a futsal pitch. It lacks spectator stands, but it makes up in terms of practice space. * The outside futsal facility of the Abahani Stadium will also be used. Initial plans are to turn to the Abahani Indoor Sports facility, in Dhanmondi. The facility will be taken on daily rent basis. The dates will be flexible according to the basketball timetable the facility has. It also has an outdoor futsal facility which will be used in turns. The Dhaka University Indoor games field will also be used simultaneously.We have future plans to expand to Bashundhara and build our own facility in Uttara. 1. 2. 3 Management Company Ownership Our business will be fully owned by the partners. The business will maintain a multiple proprietorship status for at least the first two years of operation. The initial management team for The Supreme Courts depends mainly on the general partners. Will stay within their expertise in streamlet the day-to-day operations of the facility such as scheduling, marketing, and promotions, along with running and developing various leagues and programs for the community.Back-up for the general partners will include staff members who will compensate for the founders lack of experience in each area. The business projects that the Abahani facility will be so popular that a second indoor operation will be established in the nearby Bashundhara. At that time the business will reorganize to become an S Corporation. The ownership model will be based on partnership, and a rotational basis Managing Partner will be selected for overseeing administrative duties. Our organizational structure is as follows Financial Officer (outsourced) 1. 2. 4 PersonnelThe personnel of Sportsvana Indoor Futsal are as follows * Manager (managing partner) * Asst manager (2 other partners) * Senior staff (2) * rung (2) * Store staff person (1) * coffee shop staff (2). A janitorial service will be contracted to clean the facility. But most of the maintenance work will be done by the Abahani field staff. A chart of their expected salary and qualification is given beneath Post Salary (expected) Qualification Managing Partner Subjective to Profit/Loss Asst. Manager (partner) Subjective to Profit/Loss Senior Staff 16,000 H. S. C Staff 13,000 H.S. C Store staff 8,000 H. S. C Cafeteria Staff 7,000 H. S. C The minimum working hours w ill be 3 hours to a maximum of 8 hours. The facility will run from prior schedules. 2 The marketing Plan 2. 1 Market Analysis Summary Futsal is a popular sport in Dhaka. soon there are 6,000 children participating in the youth Futsal leagues, and 3,000 adults participating in theadult league. The number of players is growing dramatically. There are two factors that are impacting the popularity of Futsal. * The first is the large number of children in the county under the age of 12.There are approximately 30,000 children in the city under the age of 12. The projection is that the percentage of children under the age of 12 will continue to grow for the next five years. The most popular sport with this age group is football. * The second factor is the growing number of young people between the ages of 24 35 that are participating in team sports. Participation incoed football has addd by 20% each year for the past three years. The demand for fields has led to the city building 2 new playing fields this year. Adult outdoor football league has grown by 50% over the past two years.Currently, there are12 adult league teams participating in the outdoor city Futsal league. * The rise in the scene of UNDERGROUND FOOTBALL scene is a sign of the rising popularity of football. There has been a meaning(a) increase in the underground tournaments held each year. There hasnt been any organized attempt to blend the events from all localities to a single mega event. * There has been a significant increase in football among office workers and corporate players. 2. 2 Market Segmentation 1. Weekend Warriors an important market separate for The Sportsvanawill is the weekend warriors.These people dont like to be locked into long-term commitments but like the freedom to come and go when the opportunity presents itself. These people will be a target market for special promotions and periodic activities. These people may include corporate players and tournament teams. 2. Families th is is a smaller, but important market segment for our facility. We have something for everyone and that will attract families that essential to become members of the facility as well as families who simply want a few hours of fun every now and again.These people will also be the main target for summer camps and activities that allow for fun and education for the children while the parents enjoy some relatively cheap babysitting. 3. Senior Citizens this market segment will be our fastest growing market as more senior citizens are retiring to Henderson than any other group. When provided with health promoting programs, senior citizens are willing to participate due to the new focus on physical activity and the constant encouragement from family and physicians. In fact, this group was the fastest growing club social rank segment over the last 10 years according to **.It grew up to four times faster than other segments. 4. Students Another small market segment, students will be attrac ted to use this facility for various purposes without the pressure or hassle of a required membership. The simple daily walk-in fee will make The Sportsvana a very attractive place for these people. We have made an age chart to better understand our target customers. Consumer Profile Provided the data we have accumulated and psychological profiling of our customers, we have done a consumer profiling of our customers. We will focus on the following target customers * Youths, ages 6-14 years of age. Adults, ages 24-35 years of age. 2. 3 Competition The competition of Sportsvana is not through direct competitors, but through means of other organizers of the sport. They are 1. The Abahani Field The vast Abahani Field, in which you can play for free, is one of our biggest competitors. But they lack in space and you might often struggle to find a place. 2. Organizers of events These people satisfy our main target customers, the weekend warriors. This might be a tough call to attract playe rs who are committed to a tournament. WE can analyze the market with Porters Five forces 2. 3. 1 Competitive EdgeThe Sportsvanas competitive edge is twofold. First, The Supreme Courts is the only complex that offers 2 full-size basketball courts that are available for the members and the community to use and/or rent. On top of this, the scope and variation of the programs that will be run from this facility are unmatched by any other club in the area. The second part of our competitive edge is the location, size, and appearance of the facility that will attract many people into the complex. By maintaining our focus in our strategy, marketing, program development, and fulfillment, The Sportsvana willbe known as the top sports club in Dhaka.We should be aware however, that our competitive edge may be diluted if we become complacent in our program development and implementation. It will be important for us to keep up with the current trends in both sport and fitness programs. 2. 4 Sale s Strategy Sales in the sport and are based on the services and amenities provided by the facility. The something for everyone slogan fits perfectly with us. All of the users of our facility must feel like they are getting the best possible value for their money. If there is a better value, for equal services, we will match or vex that value for our customers.Each person desiring a membership at Sportsvana will be able to sit down with a representative and be notified of all of their membership options. During this brief discussion, the person will be also being informed of all of the services, programs, and amenities we have to offer. It will be important to establish a race of trust with our members as membership retention is an important aspect in our business. 2. 5 Pricing Sportsvana isan indoor Futsal facility that offers league play, Futsal training and a Futsal shop. The facility is also available to be rented out for special events.The following is the fee schedule * Annua l Facility Membership 3000 BDT * Team Registration per sitting 15000 BDT * Facility Rental Fee Member300 BDT/hr, Non-Member 450 BDT/hr * Skill Clinic Fees Range from 3000 BDT (per week)for children, to 12000 BDT for groups They areled by Futsal skill instructors with A Level teach Certification. The skill clinics are geared toward the novice who wants to improve their Futsal skills. The facility also has aFutsal shop that sells the very best in Futsal gear, indoor and outdoor. The shophasthe best selection of turf shoes available in the city.Membership * Membership Fee Sportsvana Indoor Futsal will offer a 25% discount on membership fees for the first six months. * Team Fee The team fee will be reduced by 1000 BDT if the team registers before the early sign-up deadline. In addition, we will sell the facility rental potential to local schools, corporate, and civic organizations. 2. 6 Sales Strategy Sportsvana Indoor Futsal will sell the indoor facility to the current outdoor Futsal teams. We will decease a booth at the citys Futsal fields on the weekends for the two months before Sportsvana opens.In addition, we will call the team captains and coaches directly and sell the quality and convenience of the facility. Sportsvana Indoor Futsal will offer membership rates for field rental to these teams to get them in the facility. Spring is notorious for wretched field conditions prior to the beginning of the Futsal season. During the first two weekends in April, Sportsvana Indoor Futsal will offer free indoor Futsal clinics for children and adults. 2. 7 Sales Forecast The following is the sales forecast for the next three years. The clinics, cafe,and the Futsal shopwill have direct cost of sales.The clinics will be hiring the coaches to lead the clinics. The Futsal shops direct cost will be the wholesale price of the shops inventory. Sportsvana Indoor Futsal will make a strong push to expand league play in the summer. The summer is ordinarily softball and baseba ll season andonly competitive Futsal teams play during the summer months. These competitive teams represent only 10% of young Futsal players. The outdoor adults Futsal leagues also dont operate during the summer months, leaving a large number of recreational Futsal players with opportunity to play.The only slow period for sales will be in November and December. though league sessions end in mid-November, December has proven to be a poor month to begin a new league session. 2. 8 Advertising Strategies Channel 3 is called a direct-marketing channel, since it has no intermediary levels. In this case the manufacturer sells directly to customers. An example of a direct marketing channel would be a factory outlet store. Many holiday companies also market direct to consumers, bypassing a traditional retail intermediary the travel agent. Advertising and promotionA mixture of advertisements and networking will be used to increase visibility for Sportsvana. In first we will be focused on int roducing the product. The advertisement will be done on different media e. g. television, newspaper and billboard to make people aware of the product. Our promotional activity will be focused on timing. We have devised the following timeframes We will use these following channels of marketing, to be elaborated on the presentation * Guerilla Marketing we will use graffiti, flyers and imperceptible messaging * Posters it will be our bulk promotional activity Flyers To accompany the posters * Facebook Page It will help us create a direct relationship with our members. 2. 9 Timeline We have etched out a specific time line for our objectives. 3 Financials 3. 1 Financing Our total capitalization from the 3 partners will be 70 lakhs. We will raise another 50 lakhs through loans and angel investors. Start-up Funding Start-up Expenses to Fund 7,845,000 Start-up Assets to Fund 336,500 Total Funding Required 8181500 Assets Non-cash Assets from Start-up $0 Cash Requirements from Start-up 336, 500 excess Cash Raised $0Cash Balance on Starting Date 336,500 Total Assets 336,500 Liabilities and Capital Liabilities Current Borrowing $0 Long-term Liabilities 5,000,000 Accounts Payable (Outstanding Bills) $0 Other Current Liabilities (interest-free) $0 Total Liabilities 5,000,000 Capital Planned Investment Investor 1 100,000 Investor 2 100,000 Investor 3 100,000 Other 200,000 Additional Investment Requirement $0 Total Planned Investment 5,000,000 Loss at Start-up (Start-up Expenses) 7,845,000 Total Capital (913,500) Total Capital and Liabilities 336,500Total Funding 12,000,000 command Assumptions social class 1 Year 2 Year 3Plan Month 1 2 3Current Interest Rate 10. 00%10. 00 10. 00%Long-term Interest Rate 10. 00%10. 00 10. 00%Tax Rate 16. 25%15. 00 16. 25%Other 0003. 2 Startup Cost Start-up Requirements Start-up Expenses Legal(Including business understanding with Abahani) 545,000 Brochures 50,000 Insurance 500,000Rent 4,000,000 Soccer Shop Setup 1,500,000 Field Insta llation 45,000 Cafe 800,000 Total Start-up Expenses 7,845,000 Start-up Assets 150,000 Cash Required 336,500 Start-up Inventory 25,000 Other Current Assets 25,000 Long-term Assets 100,000 Total Assets 336,500 Total Requirements 8181500 Pro Forma Cash Flow Year 1 Year 2 Year 3 Cash reliableCash from Operations Cash Sales Cash from Receivables Subtotal Cash from Operations Additional Cash legitimate Sales Tax, VAT, HST/GST Received New Current Borrowing Sales of Other Current Assets Sales of Long-term Assets New Long-term Liabilities New Investment Received Subtotal Cash Received Expenditures from Operations Cash Spending Bill Payments Subtotal pass on Operations Additional Cash Spent Sales Tax, VAT, HST/GST Paid Out Principal refund of Current Borrowing Other Liabilities Principal Repayment Long-term Liabilities Principal Repayment Purchase Other Current Assets Purchase Long-term Assets Subtotal Cash Spent Net Cash Flow Cash Balance 4 Conclusions Sportsvana in an idea pitched by a group of late-teens. It was implemented in some tournaments. It hasnt yet caught on, the idea of playing any kind of football indoors. But those who have played the tournaments can vouch that it was the one of the most action packed, fun and tiring game of their life. We can proudly say that we will cater to a group, who will be sports buffs, and hold football to their hearts. So, in essence, our USP not lies in our proposition or uniqueness, it is how we DELIVER everything in a delightful package.Whether you are a high school teen, or a battle hardened corporate officer, deliverance is something we hand out in spades. 5 Bibliographies 1. http//www. startupbizhub. com/How-to-Start-a-Sporting-Goods-Store. htm 2. http//playersindoornaperville. com/facility/ 3. http//www. socceramerica. com/article/49102/a-plan-to-spur-pick-up-play. html 4. http//www. smallbusinessbrief. com/forum/showthread. php? t=15420 5. http//www. freebie-articles. com/Art/74396/9/Start-up-your-own-indoor-soccer-business. html 5. 1 Experiences An indoor futsal tournament organized in the Dhaka University Indoor Stadium

Learning English

side of meat is the most widely spoken language in the world, and has more second-language speakers than each other language. English is also the language of the Internet, and so studying, doing research, interacting with international companies and travelling is almost impossible without at least approximately English. It is now impossible to feel a country where scholarship English has not become popular. You wish to travel someplace, you have to communicate. If you dont know the language of the country where you go, just try oration English and they provide understand. magine that you dont know english and you go to china and of course you dont know chinese and you need to find an address. how will you ask that address to some one ? and i back tooth give you thousands of examples like that. Now in most of the job application the company ask about the languages you know. and all of them need that you know english because international customers rely on English speaking emp loyees to help them with day to day operations to interpret, translate and communicate directly with English speaking customers. Speak fluent English trick improve job opportunities.There argon other opportunities available for those who learn English. Learning English can improve the chances of being accepted into colleges. Learning English also can expand the ability to access news and information, much of which is generated only in English. if you are looking for an information on internet and if you are looking it in english you will find more than in your language. because english is an international language. you can find all the news , magazines, all the information you need you can find in english. as we all know music connects people to people. f you dont know english how will you understand the meaning of the song and how will you enjoy it. music is really important in emotional state. imagine a career without music how boring will it be. no music on the radio when you are in rush? i really cant imagine a life like that . english is important for your education too. if you go to USA to study you get a better education than you will get in your country. you will meet some new international friends and some hay if you need some think from the countries that you have friends you will solve it easily. in the end learning english is the best thing to do for your life.

Lord of the Flies: Examine Goldings methods of writing in the last three paragraphs of Chapter Nine

The end of chapter 9 is very different to the rest of the allegory, both in the style it is written and in what Golding is trying to picture about serviceman nature.My first impressions of this extract are how different Goldings style of writing is he is much more poetic, mythical way the clear water supply mirrored the clear sky. The rest of the novel is written in much more of a matter-of-fact style, through the eyes of one of the early(a) boys, however still in third person.The way he uses adjectives such as inaudible create a sense of calmness and silence, which is a coarse contrast to the killing scene just before the noise was unendurable. This is perhaps to represent the calm, quiet spirituality of Simons nature, and show how he is a one thousand million miles away from the other boys, who made so much noise. It could also represent the fact that Simon is now alone, both physically and metaphorically as he is the lonesome(prenominal) one who knows the truth.Golding al so creates an almost superhuman element to Simon, making Simon godlike or giving him the air of a Saint dressed Simons course whisker with brightness. This is interesting as it is something he was made a point of not doing elsewhere in the novel. He has made a point of screening how fragile human nature is- Ralph, cradling the conch, rocked to and fro, here showing Ralphs emotional breakdown after participating in a murder, and shown the other boys to have regressed to become infrahuman savages, in opposition to Simon becoming almost angelic.Throughout the novel Golding has also used the island as a microcosm of the real world, and towards the end of the extract he goes against this thinking and describes the world beyond in great detail itself a silver shape beneath the steadfast constellations. I think the fact he describes this in so much detail is important, he is clearly trying to make a point of it the fact the death of Simon is such a huge human tragedy, but yet when comp ared to the enormity of the natural world it pales in insignificance.Even though the novel at first seems pessimistic, and hard to believe the author was a Christian, I disagree. When Golding writes Simons dead body moved out to sea, I think he is showing that amongst all the injustices in the world, those with faith and spirituality (as I think Simon is meant to represent the spiritual aspect of human nature) will go to a better place away from the horror of the world. I think the novel perhaps has a subtle underlying Christian message.You can see throughout that Golding has been very crafting in how he uses techniques to explain the importance of Simons death in the novel, and the important differences between Simon and the other boys, and the fact Simon has not turned savage. The language he has used to show this is not typical of the rest of the novel however the symbolism is.

Learning Team Objective Essay

During weeks four and five, we learned all about modes a company quite a little have a picture of their overall fiscal rankings. A few of the subjects dealt with include using a report of bills flows to observe the coming in and going out of bullion, assessing fiscal reports, the itinerary to report the event of the various kinds of stock and dividend payments, and the Sarbanes-Oxley Act influence.A report of currency flows indicates the receipt and payment of gold for the organization. The direct method is desired by the FASB, even though both ways ar acceptable, and shows cash receipts and payments in operations whereas the indirect method changes net income which does not influence cash. To get commenced with a report of cash flows, the organization must change its net income from an accrual basis to a cash basis. Ultimately, an organization whitethorn decide their free cash flow to find out the amount of money is remaining after adjustments for capital expenses and divid ends have been completed.The 3 methods of assessment are the horizontal, vertical, and ratio analysis. Horizontal assesses the fiscal report data during a period of time. This decides the increase or reduction which has occurred. Vertical analysis reports all item like a percent of base sum. This decides what amount of the total assets are existing assets or what amount of the net sales are merchandising expenditures. Ratio analysis reports the connection amongst the chosen items of the reports. This decides liquidity of assets, profits of the organization, and the solvency ratio informs if the organization is likely to survive over a long interval of time.Investors are able to use the cash flow report to find out if the organization has adequate cash to increase operations and pay dividends. The organization may use the information in the cash flow report to assess the effectiveness of operations.Cash flow from funding activities shows any modifications in debt, loans, or dividen ds. offspring stock or rising long-term borrowing is actually a cash inflow. Paying dividends or decreasing liability is a cash outflow. Moreover, cash flow from operating activities calculates the modifications in cash flows from operations needing a calculation of the modifications in account balances in the balance sheet between accounting intervals.Scenarios may happen which result in unethical accounting routines because of lacking in the financial controls set down and followed by higher administration people. All sixer of these methods not just require to be set up but they must be adopted and enforced as well by way of assessment and follow-up. In case even one of the controls isnt set up in that case the opportunity may become open for unethical conduct. For instance, in case you dont specify duty by just having one individual accountable in that case it results in a lack of accountability if something is incorrect.The Sarbanes-Oxley Act was put into operation in 2002 as a result of great number of unethical and fraudulent scenarios abounding in companies. This Act says that all publicly operated organizations should have noted internal fiscal controls in the organization. Organizations must submit an assessment of the effectiveness and value of their internal controls with their closing curtain of year fiscal package. Regular outside audits are carried out to make sure compliance by the companies with this Act. In case violations are found anytime, penalties and fines world power be enacted upon higher administration level people to include imprisonment.To conclude, over weeks 4 and 5 we have learned all about the ways of creating cash flow reports, the way to apply the 3 different ratios when deciding how nicely or lousy the organization is performing fiscally, the way to report journal entries of the issuance of stock and common stock and the way to announce and enter payments from dividends, and lastly the way to stay ethical in accounting and be in configuration with SOX.

Supersize Me

As a person who spends a megabucks of time online watching Youth videos or just browsing, Ive discover a lot Of advertisements and most of them very stood out to me. I rec whole McDonalds having multiple advertisements before the start of the Youth telling you about their all natural 100% Canadian Beef. Having this before a video encourages the viewer to counting to watch the ad in order to see the video that you actually want to see. Another way McDonalds markets their foods is just by pictures with cleaver slogans or good deals on it.Pictures of hamburger that take ours to prep be and make and even long-lived to Photos frequently protrudes in magazines and billboards argon all part of marketing tactics. The huge blown up pictures of chips found in the subway stations and on the giant screens at Tarantula square are all in that respect to convince you to go to McDonalds and spend money. Even something simple as having the golden arches appear in a icon incr tranquillity th e sales of McDonalds. 2) How does McDonalds specifically tar brace children?As a child, find back begging my parents to take me to a specific McDonalds which was 20 minuets away from our house because there was a typeset place there. The colorful tunnel/jungle gym set draws in children of all ages to come in and purchase something just so they could go down the slide. Building these play places with the giant signs are all the way targeting children convincing them to come in and buy something. The happy meal with the collectible toys, the colorful packaging and the cartoons are some of the other ways children are drawn in.As shown in the video, children could easily identify the McDonalds Clown with ease while some struggled to identify George Washington. This is mainly due to the accompaniment that done arresting techniques and advertising through television, the McDonalds clown has become one of the most well known characters in the childs mind. 3) What makes this icon per suasive? remote some Of the other documentaries out there that only point out the proscribe aspects of fast food, this especial(a) video isnt one faced and it tell us both sides of the situation.It is a well known fact that fast food is very unhealthy and this documentary just reinforced this point finally large(p) everyone physical evidence all set out telling you what the effects about. This commentary showed us fixing updates from the doctors telling us the actual numbers has been gaining allowing us to have a very specific comparison. However, Morgan has mentioned umteen propagation that he did enjoy some of the meals at McDonalds and he did say that they taste good. He admitted that he got addicted to eating McDonalds and it physically made him feel better.No matter how much you look at the negative effects, many of us will still go to McDonalds just because it tastes good. Overall I think this documentary gave me personally an insight to the scary effects McDonalds on y our body even though it tastes good. 4) In what ways do we need to be critical of the movie and its message? Even though this movie shows us the effects of the 30 day dieting, we have to carefully image the regulations and rules that specify what is allowed in the diet and what isnt.It is understandable that the producers of the film want to raise awareness towards the deadly effects McDonalds Can have on someone. However, feel that the outlines of the diet were bias towards a more negative dissolving agent. For example, during the 30 days, Morgan was only allowed to eat what was on the McDonalds menu and he was to consume 3 squares a day like a typical American. However if you think about this thoroughly, whenever you go to McDonalds, do you order something different every time?Something else to consider is the fact that since your getting fast food in the first place, how you will have the time to get 3 squares at McDonalds. I know that there are some people out there who do con sume everything at McDonalds on a daily basis. And also know that the filmmakers needed to idiom the effects of McDonalds but to a normal person, the rules of the diet were exaggerated. Another reason why the message and result of the film may have been manipulated is the locations where he ordered McDonalds from.Throughout the film, he was asked to supervise the meal 5 times in Taxes. The movie also has him go California, New York and many other locations all over the get together States. Because of this, the results of the diet come from a variety of places. In my option, if he were to have filmed this in the skinniest states in America rather than the fattest, he may have had less supervises and maybe even healthier local anesthetic specialties. 5) Does this film bound Canadians? Even though this film was created in the United States, I think this does reflect Canadians to some degree.Canada has considerably less McDonalds and fast food restaurants than the United States. Beca use of this, some may think that Canadians are a lot healthier than the Americans. However mainly due to the media and other influences, Canada has also adopted some of Americas bad food habits and our diets have also been getting progressively unhealthier. Personally, I think that Canadians in widely distributed have more information displayed in the stores allowing people to have access to that information. (on the walls and on the sides of the boxes).I also noticed that in Canadian McDonalds promotes the healthier options more than the unhealthier options. Other than that, Canadian McDonalds can be just as unhealthy as American McDonalds and its up to the consumer to choose. 6) How did McDonalds change after the movie Even though McDonalds denies that the movie influenced any of the companys actions, McDonalds did change a few things after the movie was created. Possible one of the most great changes they made was to take out the supervise option in their menu.

Training Report on Wholesale Banking Operation in Axis Bank.

REPORT ON SUMMER TRAINING OF Submitted to KCL-IMT (PTU) In partial tone fulfillment of the requirements for the award of degree of MASTER OF BUSINESS ADMINISTRATION Submitted by Name of the student KIRAN DOGRA pipe bowl No 1174251 Supervisor Dr. SUKHMANI WARAICH Ass. prof. DEPARTMENT OF MANAGEMENT KCL-IMT JALANDHAR BATCH-2011-2013 DECLARATIONI, KIRAN DOGRA, hereby decl be that the hit presented herein is genuine work through origin altogethery by me and has non been published or submitted elsewhere for the requirement of a MBA calculating machine prog compactme me. Any literature, entropy or works done by new(prenominal)s and cited within this seek project has been accustomed due ac noesisment and key prohibiteded in the reference section. _______________________ (Students aro intent Signature) PREFACE any(prenominal)one has rightly said that applicative get word is forbetter and closer to the palpable initiation then stainless theoretical exposure. The pr diddl eical experience help oneselfs the students bet the real world closely, which in turn widely nfluences theirperceptions and argument their chthonicstanding of the real situation. bailiwick work constitutes the backbone of completely counseling education program me. A man ripenment student has to do report work quite frequently during his entire span. The report work entitle WHOLESALE swanING mathematical operation OF axis vertebra BANK suggests to analyze non-homogeneous improvements and growths set upd by bloc and for this purpose TANDA city lay down been chosen. CERTIFICATE This is to certify that the project work of Ms. KIRAN DOGRA on WHOLESALE BANKING OPERATION with AXIS BANK has been compiled infra my supervision and guidance. _________________________ (Faculty Name Signature) ACKNOWLEDGEMENT I present this project report on whole positing duty operations IN AXISBANK LTD. , WARDHA with a sense of great pleasure and satisfaction. I beneathsign with pleasur e examine this luck to thank all those related directly or indirectly in preparation of this project report. I started working on this project to a lower place the invaluable guidance of Honorable Miss. Riddhi Deshpande mam for which I am really much thankful for her valued meter given for the purpose. With out her co-operation our project work would accommodate been difficult to complete.I state our sincere thanks to Mr. HITESH RAWAL, ( dissever Manager) in bloc desire Ltd. ,TANDA and staff in that organization. I am in totition thankful to Dr. INDERPREET SINGH sir managing director of our college and Miss. sukhmani waraich pouch In charge to allow us to carry out this project. I likewise thank all my friends who aim more or less contri alo command to the preparation of this project report. I pass on be incessantly indebted to them. INDEX S. No. CHAPTERS PAGE No. 1. CHAPTER 1 (COMPANY PROFILE) 8-22 1. 1 Introduction of axis confide 8 1. 2 History of axis sit uateing concern 9-13 1. 3 Management of axis bank 14-15 1. commentary of banking 15 1. 5 Meaning of banking 15 1. 6 Product of axis bank 15-16 1. 7 guest processs on banking operation 16-17 1. 8 Traditional banking activity 17 1. 9 beting for bank occupancy relationship 17-18 1. 10 Economic function 18-20 1. 11 Types of investiture ban 20 1. 12 owe banking 20-22 1. 13 KYC (know your customer) 22 1. 14 Competitors 22 2. CHAPTER 2 23-26 Need, Scope, Objectives, methodology and point of accumulation of the study. 23-26 3. Chapter 3 27-38 3. 1 Project introduction 27 3. 2 Meaning of whole deal banking operation 27-28 . 3 Concept 28-34 3. 4 on-going fib learning 34-35 3. 4. 1 Channel one(for successful crinkle) 34 3. 4. 2 Builders and real nation 35 3. 5 Training in wholesale banking operation 35-38 3. 5. 1 Corporate 35-36 3. 5. 2 undersize and medium enterprises 36-37 3. 5. 3 political sympathies 37-38 4. Chapter 4 39-51 4. 1 Data analysis 39-5 1 5. Chapter 5 52 5. 1 Finding and suggestion 52 5. 2 Conclusion and recommendation 52 6. Chapter 6 53 Bibliography 54 Appendices-Customer Feedback Form 55-57 CHAPTER 1 1. COMPANY PROFILE 1. INTRODUCTION OF AXIS BANK Commercial banking services which overwhelms merchandiser banking, direct finance infrastructure finance, venture majuscule stock, advisory, trusteeship, forex, treasury and other related fiscal services. axis bevel Limitedis an Indian monetary servicesfirm that had begun operations in 1994, afterwards theG everyplacenment of Indiaallowed preliminary-looking equipageprivate banks to be established. The swan was promoted jointly by the administrator of the qualify Undertaking of the unit think of India(UTI), life clip Insurance Corporation of India(LIC), General Insurance Corporation Ltd. , National Insurance high society Ltd.The New India Assurance Company,The Oriental Insurance corporationandUnited India Insurance CompanyUTI holds a finic al position in the Indian capital grocery stores and has promoted many leading financial institutions in the countrified. As on the year ended 31 March, 2012, axis of rotation rely had an operating revenue of 13,437 crores and a remuneration utility of 4242 crores. axis vertebra coin bank undecided its registered bump office in Ahmedabad and corporate office in Mumbai in celestial latitude 1993. The starting grow was inaugurated in April 1994 in Ahmedabad by Dr. Manmohan Singh , then the honorable Finance Minister . 1. 2 HISTORY OF AXIS BANK 1993The bank grammatical construction was incorporated on 3rd December and Certificate of transmission line on 14th December. The believe transacts banking business of all description. UTI cashbox Ltd. was promoted by Unit pull of India, Life Insurance Corporation of India, General Insurance Corporation of India and its four subsidiaries. The bank was the first private do principal(prenominal) bank to get a license under the ad vanced guidelines discernd by the RBI. 1997 The intrust obtained license to act as Depository Participant with NSDL and applied for registration with SEBI to act as Trustee to Debenture Holders. Rupees coulomb crores was contributed by UTI, the rest from LIC Rs 7. crores, GIC and its four subsidiaries Rs 1. 5 crores each. 1998 The pious platitude has 28 forkinges in urban and semi urban atomic number 18as as on31st July. All the get-goes argon fully computerized and networked done VSAT. silver dispenser services argon acquirable in 27 growes. The imprecate came out with a public incommode of 1,50,00,000 No. of equity shares of Rs10 each at a premium of Rs 11 per share aggregating to Rs 31. 50crores and Offer for sale of 2,00,00,000 No. of equity shares for cash at a price of Rs 21 per share. Out of the public issue 2, 20,000 shares were reserved for allotment on preferential basis to employees of UTI buzzword. isotropy of 3, 47, 80,000 shares were shoted to the publ ic. The company tosss ATM placards, using which flyer-holders brush off with draw cash from any of the banks ATMs crosswise the country which is inter-connected by VSAT. UTI fix has casted a new retail overlap with operational flexibility for its customers. UTI Bank impart sign a co-brand agreement with the market, leader, Citibank NA for entering into the highly promising character card business. UTI Bank promoted by Indias pioneer mutual fund Unit Trust of India along with LIC, GIC and its four subsidiaries. 1999 UTI Bank and Citibank be use up launched an international co-branded attribute card.UTI Bank and Citibank make come together to launch an international co-branded creed card under the Master tease apart umbrella. UTI Bank Ltd has inaugurated an offsite ATM at Ashok Nagar here, taking the total form of its offsite ATMs. 2000 The Bank has announced the launch of Tele-Depository assists for Its sterilizeory clients. UTI Bank has launch of I tie in, its m eshing banking Product. UTI Bank has sign-language(a) a memorandum of understanding with equitymaster. com for e-broking activities of the site. Infinity. com financial Securities Ltd. , an e-broking outfit is Typing up with UTI Bank for a banking interface.Geojit Securities Ltd, the first company to start online trading services, has sign-language(a) a MoU with UTI Bank to enable investors to buy lot demat stocks done the companys website. India bulls shake off signed a memorandum of understanding with UTI Bank. UTI Bank has entered into an agreement with Stock Holding Corporation of India for providing loans against hares to SCHCILs customers and funding investors in public and rights issues. ICRA has upgraded the rating UTI Banks Rs 500 crores certificate of deposit programmed to A1+. UTI Bank has tied up with L&T Trade. com for providing customized online trading solution for brokers. 001 UTI Bank launched a private placement of non-convertible debentures to rise up to Rs 75 crores. UTI Bank has subject two offsite ATMs and one extension counter with an ATM in Mangalore, taking its total number of ATMs across the country to 355. UTI Bank has recorded 62 per cent rise in net clams for the the skinny ended September 30, 2001, at Rs 30. 95 crores. For the second quarter ended September 30, 2000, the net profit was Rs 19. 08 crores. The total income of the bank during the quarter was up 53 per cent at Rs 366. 25 crores. 2002 UTI Bank Ltd has communicate BSE that Shri B R Barwale has resigned as a Director of the Bank w. . f. January 02, 2002. A C Shah, former chairman of Bank of Baroda, also retired from the banks add-in in the third quarter of last year. His place sojourns to be va foundationt. MD a modern took over as the director of the board after taking in there INS of UTI. B S Pandit has also joined the banks board subsequent to the retirement of K G Vassal. UTI Bank Ltd has informed that Shri Paul Fletcher has been name as an excess Directo r nominee of CDC Financial Service (Mauritius) Ltd of the Bank . And Shri Donald Peck has been saddleed as an additive Director (nominee of South Asia Regional Fund) of the Bank.UTI Bank Ltd has informed that on laying down the office of hot seat of LIC on being appointed as chairwoman of SEBI, Shri G N Bajpai, Nominee Director of LIC has resigned as a Director of the Bank. 2003 UTI Bank Ltd has informed BSE that at the meeting of the Board of Directors of the company held on January 16, 2003, Shri R N Bharadwaj, Managing Director of LIC has been appointed as an Additional Director of the Bank with immediate effect. UTI Bank, the private sector bank has overspreaded a branch at Nellore. The banks Chairman and Managing Director, Dr P. J. Nayak, inaugurating the bank branch at GT Road on May 26.Speaking on the occasion, Dr Nayak said. This marks another step towards the huge customer banking focus that we are providing across the country and reinforces our commitment to bring s uperior banking services, marked by convenience and closeness to customers. -UTI Bank Ltd. has informed the Exchange that at its meeting held on June 25, 2003 the BOD shake off decided the future(a) 1) To appoint Mr. A T Pannir Selvam, former CMD of Union Bank of India and Prof. Jayanth Varma of the Indian name of Management, Ahmadabad as additional directors of the Bank with immediate effect.Further, Mr. Pannir Selvam go forth be the nominee director of the Administrator of the condition undertaking of the Unit Trust of India (UTI-I) and Mr. Jayanth Varma will be an Independent Director. 2) To issue Non-Convertible unlatched Redeemable Debentures up to Rs. 100 crores, in one or more tranches as the Banks Tier II capital. -UTI has been authorized to launch 16 ATM son the Western Railway Stations of Mumbai Division. -UTI filed suit against financial institutions IFCI Ltd in the debt retrieval tribunal at Mumbai to recover Rs. 5cr in dues. -UTI bank made an entry to the Food p oint of reference plan it has made an entry into the 59 cluster which includes private sector, public sector, old private sector and co-operative banks. -Shri Ajeet Prasad, Nominee of UTI has resigned as the director of the bank. -Banks Chairman and MD Dr. P. J. Nayak inaugurated a new branch at Nellore. -UTI bank allots shares under Employee Stock Option Scheme to its employees. -Unveils pre-paid travel card Visa Electron Travel Currency Card -Allotment of 58923equity shares of Rs 10 each under ESOP. UTI Bank ties up with UK govt fund for contract farm in -Shri B S Pandit, nominee of the Administrator of the Specified Undertaking of the Unit Trust of India(UTI-I) has resigned as a director from the Bank w e f November 12,2003. -UTI Bank unveils new ATM in Sikkim. 2004 Comes out with Rs. 500 Unsecured Redeemable Non-Convertible Debenture Issue, issue fully subscribed -UTI Bank Ltd has informed that Shri Ajeet Prasad, Nominee of the Administrator of the Specified Undertaking of the Unit Trust of India (UTI I) has been appointed as an Additional Director of the Bank w. e. f. January 20,2004. UTI Bank opens new branch in Udupi-UTI Bank, Geojit in pact for trading platform in Qatar -UTI Bank ties up with Shri ram Group Cos-Unveils premium honorarium facility through ATMs applicable to LIC UTI Bank customers Metal junction (MJ)- the online trading and procurement joint venture of Tata Steel and Steel Authority of India(SAIL)- has roped in UTI Bank to start off own equipment for Tata Steel. -DIEBOLD Systems Private Ltd, a wholly owned subsidiary of Diebold Incorporated, has secured a major contract for the interpret of ATMs an services to UTI Bank -HSBC completes acquisition of 14. % stake in UTI Bank for . 6 m -UTI Bank installs ATM in Thiruvananthapuram Launches Remittance Card in association with Remit2India, a web site offering notes transport services. 2005 * UTI Bank enters into a banc assurance partnership with Bajaj Allianz General for selling genera l redress products through its branch network. * UTI Bank launches its first Satellite Retail Assets Centre (SRAC) in Karnataka at Mangalore. 2006 * UBL sets up branch in Jaipur. UTI Bank unveils priority banking lounge. * UTI Bank launches operations of UBL gross sales, its Sales Subsidiary -Inaugurates its first office in Bangalore. * UTI Bank announces the launch of its Credit Card Business. * UTI Bank comes the first Indian Bank to successfully issue contrasted Currency Hybrid Capital in the internationalistic Market. * UTI Bank Business Gold debit Card MasterCard Launched Designed for business related spending by SMEs and self employed professionals. 2007AXIS Bank Ltd has informed that consequent upon handing over charge as Administrator of the Specified Undertaking of the Unit Trust of India (SUUTI), Shri. S B Mathur, the Nominee Director of SUUTI has resigned as a Director of the Bank December 06, 2007. * AXIS Bank Ltd has informed that Fitch Ratings on December 14, 200 7, has upgraded the Banks National Long-term rating to AAA(ind) from AA+(ind). * AXIS Bank Ltd has appointed Shri K N Prithvi raj as an Additional Director on the Board at Directors of the Bank. * Company name has been changed from UTI Bank Ltd to Axis Bank Ltd. 008 * Axis Bank launches Platinum Credit Card, Indias first EMV chip base card. * Axis Bank set up its branch at Ilanji at Meenakshi Nagar on the Coutralam-Madurai road on April 16. 2009 * Axis Bank straight off said its board has recommended the appointment of Shikha Sharma, circulating(prenominal)ly chief of ICICI groups life insurance business, as its next managing director and CEO. * Axis Bank has set up a new branch at Perumbavoor. The bank has a network of 832 branches along with 8 extension counters and 3622 ATMs across the country. Axis Bank, on Wednesday entered into a strategic alliance with Motilal Oswal, the financial services firm, in order to facilitate the online trading for the banks customers. * AXIS Bank Ltd has informed that the Board of Directors of the Bank at its meeting held on June 01, 2009, inducted Smt. Shikha Sharma as an Additional Director of the Bank. * Axis bank has received final clearance from the Securities and Exchange Board of India (SEBI) to begin its mutual fund operations and will launch debt and equity schemes soon whereas IDBI Bank is awaiting the regulators permit for an entry. Axis Bank opened the new branch at Irinjalakuda temporary hookup it has a network of 892 branches, 8 extension counters and 3,806 ATMs across the country. 2010 Axis Bank Limited has informed that at the meeting of the Board of Directors held on January 15, 2010, the following decisions were taken * To appoint Dr. Adarsh Kishore, former Finance Secretary, Government of India and former Executive Director, supranational Monetary Fund representing Bangladesh, Bhutan, India and Sri Lanka as the Non-Executive Chairman of the Bank, subject to RBI approval * To appoint Shri S.B. Mathur, fo rmer Chairman, LIC and the National Stock Exchange of India, as an Additional Independent Director, with immediate effect. 1. 3 MANAGEMENT OF AXIS BANK ORGANIZATION STRUCTURE OF AXIS BANK PROMOTERS Axis Bank Ltd. has been promoted by the immensest and the best Financial Institution of the country, UTI. The Bank was set up with a capital of Rs. 115 crores, with UTI contributing Rs. 100 Crores, LIC Rs. 7. 5 Crores and GIC and its four subsidiaries contributing Rs. . 5 Crores each SUUTI Shareholding 27. 02% old Unit Trust of India was setup as a body corporate under the UTI Act, 1963, with a view to encourage savings and investment. In December 2002, the UTI Act, 1963 was repealed with the passage of Unit Trust of India (Transfer of Undertaking and Repeal) Act, 2002 by the Parliament, paving material the way for the bifurcation of UTI into 2 entities, UTI-I and UTI-II with effect from1st February 2003. In accordance with the Act, the Undertaking specified as UTI I has been transfe rred and ested in the Administrator of the Specified Undertaking of the Unit Trust of India (SUUTI), who manages assured return schemes along with 6. 75% US-64 Bonds,6. 60% ARS Bonds with a Unit Capital of over Rs. 14167. 59 crores. The Government of India has menstruumly appointed Shri K. N. Prithviraj as the Administrator of the Specified undertaking of UTI, to look after and administer the schemes under UTI where Government has continuing obligations and commitments to the investors, which it will uphold. 1. 4 DEFINITIONS OF BANKINGA bank is a financial institution licensed by a government. Its primary activity is to add up bullion. Many other financial activities were allowed over time. For example banks are pregnant players in financial markets and offer financial services such as investment money. Banking contribute also be defined as engaging in the business of keeping money for savings and checking accounts or for exchange or for military issue loans and extension. T ransacting business with a bank Depositing or withdrawing funds or requesting a loan.Bank a supply or stock held in reserve for future use (especially in emergencies) 1. 5 MEANING OF BANKING An organization, usually a corporation, chartered by a state or federal government, which does nigh or all of the following receives demand deposits and time deposits, honors instruments drawn on them, and pays interest on them discounts notes, makes loans, and invests in securities collects checks, drafts, and notes certifies depositors checks and issues drafts and cashiers checks. 1. 6 PRODUCT OF AXIS BANK * Product of axis bank * Easy Access Saving method of accounting Saving discover for Women * Prime Saving Account * Senior Citizens Saving Account * Priority Banking * Corporate honorarium Account * Trust /NGOs Saving Account * Resident abroad Currency Account * Online Trading Account * topical Account * Term Deposits * Locker Facilities * NRI Services * Depository Services * Financia l Advisory Services * wealthiness Management Services * Insurance Solutions Life and General * Retail brings * Credit Loans * Travel Currency cards * Remittance card * Gift Cards 1. 7 CUSTOMER SERVICE IN BANKING OPERATION * assay Drop Box FacilityRBIs charge on Procedures and Performance Audit on Public Services has recommended that two the drop box facility and the facility for acknowledgement of the cheques at the regular solicitation counters should be available to customers and no branch should refuse to give an acknowledgement if the customer tenders the cheques at the counters. * Issue of Cheque Books The mission has observed that both(prenominal) banks do not allow depositors to collect their cheque book at the branch but insist on dispatching the cheque book by messenger to the depositor.Further, it is stated by the Committee that the deposit or is forced to sign a declaration that a dispatch by the courier is at the depositors risk and consequence and that the d epositor shall not hold the bank liable in any mood whatsoever in respect of such dispatch of cheque book. Committee has observed this as an unjust practice and advised banks to refrain from obtaining such undertakings from depositors. Banks should also ensure that cheque books are delivered over the counters on request to the depositors or his authorized congressman. groundment of Accounts / Pass Books The Committee has noted that banks invariably show the entries in depositors passbooks /statement of accounts as By Clearing or By Cheque. Further, in the eggshell of Electronic Clearing System (ECS) and RBI Electronic Funds Transfer (RBIEFTR) banks invariably do not tender any details even though brief particulars of the remittance are provided to the receiving bank. In some cases computerized entries use sophisticated codes which just bay windownot be deciphered.With a view to lifting inconvenience to depositors, banks are advised to avoid such inscrutable entries in passbo oks statements of account and ensure that brief, intelligible particulars are invariably entered in passbooks / statements of account. Banks whitethorn also ensure that they adhere to the monthly periodicity prescribed by us bandage displace statement of accounts. 1. 8 TRADITIONAL BANKING ACTIVITIES Banks act as payment agents by conducting checking or current accounts for customers, salaried cheques drawn by customers on the bank, and collecting cheques deposited to customers current accounts.Banks also enable customer payments via other payment methods such as telegraphic transfer, EFTPOS, and ATM. Banks borrow money by pass judgment funds deposited on current accounts, by accepting term deposits, and by issuing debt securities such as bank notes and bonds. Banks land money by making advances to customers on current accounts, by making installment loans, and by investing in marketable debt securities and other forms of money lending. Banks provide almost all payment services , and a bank account is considered indispensable by most businesses, souls and governments.Non-banks that provide payment services such as remittance companies are not normally considered an adequate substitution for having a bank account. Banks borrow most funds from households and non-financial businesses, and lend most funds to households and non-financial businesses, but non-bank lenders provide a signifi raftt and in many cases adequate substitute for bank loans, and money market funds, cash management trusts and other non-bank financial institutions in many cases provide an adequate substitute to banks. 1. 9 ACCOUNTING FOR BANK ACCOUNTBank statements are accounting records produced by banks under the various accounting standards of the world. Under GAAP and IFRS there are two kinds of accounts debit and credit. Credit accounts are Revenue, equity and Liabilities. debit Accounts are Assets and Expenses. This means you credit a credit account to increase its balance, and you debit a debit account to increase its balance. This also means you debit your savings account every time you deposit money into it (and the account is normally in deficit), while you credit your credit card account every time you spend money from it (and the account is normally in credit).However, if you read your bank statement, it will say the oppositethat you credit your account when you deposit money, and you debit it when you withdraw funds. If you have cash in your account, you have a positive (or credit) balance if you are overdrawn, you have a negative (or deficit) balance. There a son for this is that the bank, and not you, has produced the bank statement. Your savings might be your assets, but the banks liability, so they are credit accounts (which should have a positive balance).Conversely, your loans are your liabilities but the banks assets, so they are debit accounts (which should have a also have a positive balance). Where bank proceeding, balances, credits and debits are discussed below, they are done so from the viewpoint of the accountholderwhich is traditionally what most mint are use to seeing. 1. 10 ECONIMIC FUNCTION * Issue of money In the form of bank note sand current accounts subject to cheque or payment at the customers order. These claim son banks can act as money because they are negotiable and/or repayable on demand, and hence valued at par.They are effectively transferable by mere delivery, in the case of banknotes, or by drawing a cheque that the payee may bank or cash. * Netting and settlement of payments Banks act as both collection and paying agents for customers, participating in interbank clear and settlement systems to collect, present, be presented with, and pay payment instruments. This enables banks to economies on reserves held for settlement of payments, since inward and outward payments equipoise each other. It also enables the offsetting of payment flows between geographical areas, reducing the cost of settlement between them. * Credit intermediationBanks borrow and lend back-to-back on their own account as middle men. * Credit woodland improvement Banks lend money to ordinary commercial-grade and personal borrowers (ordinary credit quality), but are high quality borrowers. The improvement comes from diversification of the banks assets and capital which provides a buffer to absorb losses without defaulting on its obligations. However, banknotes and deposits are generally unsecured if the bank gets into difficulty and pledges assets as security, to raise the funding it requires to continue to operate, this puts the note holders and depositors in an economically subordinated position. Maturity Transformation Banks borrow more on demand debt and terse term debt, but provide more long term loans. In other words, they borrow light and lend long. With a stronger credit quality than most other borrowers, banks can do this by aggregating issues (e. g. accepting deposits and issuing banknotes) a nd redemptions (e. g. withdrawals and redemptions of banknotes), primary(prenominal)taining reserves of cash, investing in marketable securities that can be readily converted to cash if needed, and raising replacement funding as needed from various sources (e. g. wholesale cash markets and securities markets). Banking channels Banks offer many different channels to rag their banking and other services * A branch, banking centre or financial centre is a retail location where a bank or financial institution offers a wide array of face-to-face service to its customers. * ATM is a computerized telecommunications device that provides a financial institutions customers a method of financial exercises in a public s maltreat without the need for a tender clerk or bank teller. Most banks now have more ATMs than branches, and ATMs are providing a wider paradigm of services to a wider range of users.For example in Hong Kong, most ATMs enable anyone to deposit cash to any customer of the b anks account by feeding in the notes and entering the account number to be credited. Also, most ATMs enable card holders from other banks to get their account balance and withdraw cash, even if the card is issued by a foreign bank. * Mail is part of the postal system which itself is a system where in write documents typically enclosed in envelopes, and also small packages containing other matter, are delivered to destinations around the world. This can be used to deposit cheques and to send orders to the bank to pay money to third parties.Banks also normally use mail to deliver periodic account statements to customers. * Telephone banking is a service provided by a financial institution which allows its customers to perform transactions over the telephone. This normally includes bill payments for bills from major billers (e. g. for electricity). * Online banking is a term used for performing transactions, payments etc. over the cyberspace through a bank, credit union or building s ocietys secure website. * Mobile banking is a method of using ones mobile phone to conduct simple banking transactions by remotely linking into a banking network. Video banking is a term used for performing banking transactions or professional banking consultations via a remote video and audio connection. Video banking can be performed via purpose make banking transaction machines (similar to an Automated teller machine), or via a videoconference enabled bank branch. 1. 11 TYPES OF INVESTMENT BANKS * Investment banks guarantee (guarantee the sale of) stock and bond issues, trade for their own accounts, make markets, and advise corporations on capital market activities such as mergers and acquisitions. * Merchant banks were traditionally banks which engaged in trade finance.The modern definition, however, refers to banks which provide capital to firms in the form of shares rather than loans. Unlike venture capital firms, they tend not to invest in new companies. 1. 12 MORTGAGE BANK ING owe banking deals primarily with originating mortgage loans and go them. Read more some it here as well as well-nigh what a aider in mortgage banking involves. Mortgage banking is meant for a single purpose, to service the real estate finance industry. Mortgage banking deals specialisedally with originating mortgage loans as well as servicing them.Mortgage banks are state-licensed entities from which consumers can get mortgage loans directly. Usually, mortgage banks avail funds from the Federal National Mortgage Association, or FNMA, also known as Fannie Mae, the Federal Home Loan Mortgage Corporation, or FHLMC, also known as Freddie Mac, or any other large companies that service mortgages, which are related to the secondary mortgage market. Here are a few pointers about the effect of mortgage banking. * Mortgage Banks Specialize in Mortgage Loans Unlike a savings bank that is federally chartered, in general mortgage banks specialize in only providing mortgage loans.Hence, customers do not deposit their money in these banks. As has been mentioned above, the secondary wholesale market is their primary source of funds. Freddie Mac and Fannie Mae are examples of the lenders in the secondary market. * Mortgage Banks Differ in Size While some mortgage banks can be nationwide, others can originate a volume of loan that can exceed that of a commercial bank that is nationwide. Many of these mortgage banks utilize specialty servicers like Real Time Resolutions to carry out tasks like fraud detection work and repurchase. Mortgage Banks have Two Sources of Revenue The two main(prenominal) sources of income are from loan servicing fees (if they are into loansevicing0, and fees from loan origination. Mortgage bankers, by and large, are choosing not to service the loans they have originated. That is because they are entitled to earn a service-released premium by selling them soon after the mortgage loans are closed and funded. The investor in the secondary market that purchases the loan has the ability of earning revenue for providing servicing of the loan every month the borrower keeps the loan. Different Banking Laws Apply to Mortgage Banks Mortgage banks usually operate under banking laws that are quite different, according to the state they operate in. You will need to check each individual states financial department or state banking in order to get list of mortgage bankers in each state. While federal laws apply to the operation of a federal bank, in terms of consumer protection, usually consumers have additional rights, which are applicable according to each state. * Mortgage Bankers can be More CompetitiveSince they only specialize in lending and do not have to subsidize any of the losses that other departments may have incurred, as in regular banking, mortgage bankers have the ability of being really competitive when lending for mortgage. However, they usually do not have the advantage of accessing adjustable rate mortgages that ar e low cost, which federal banks are typically associated with, and federal money access. * A Career in Mortgage Banking Professionals in mortgage banking in the job market today need to have a college degree in business or finance, or some proper(postnominal) experience or training related to the field.Skills in good customer service, an inherent ability with numbers, and computer skills are also requisite requirements for mortgage banking jobs. A mortgage banking professionals job involves reviewing credit scores, determining the kind of loan that is most beneficial for the customer and guiding them through the process of employment as well as closing. The loan officer has to be very organized and detail oriented, and need to be able to handle the large amounts of paperwork and reporting that are required for getting loans approved, up to the closing.A mortgage banking professional also has to have thorough know-how about the regulations associated with federal mortgage as well as the various types. 1. 13 KYC (KNOW YOUR CUSTOMER) As per KYC guideline the RBI has advised banks to follow KYC guidelines of RBI mandates banks to collect collar proofs from their customers they are1 Photograph2 Proof of Identity3 Proof of address Accordingly, Axis bank has framed its KYC procedure according to which, a fool and documentary proof of personal identification and address proof are required t be provided.The account rise form provides the nature of documents required / procedure to be followed for opening a new account. You may also log in to our websitewww. axisbank. com for such information which is displayed product-wise. 1. 14 COMPETITORS 1. ICICI Bank Ltd. 2. HDFC Bank Ltd. 3. State Bank of India 4. HSBC Bank 5. RBS (Royal Bank of Scotland) 6. Maharashtra Bank of India 7. Canara Bank 8. Andhra Bank 9. IDBI bank 10. Bank of India 11. Punjab National Bank 12. Central Bank 13. Allahabad Bank 14.ING Vysya 15. Centurion Bank CHAPTER 2 2. NEED, cathode-ray oscillo stove, OBJECTIVE, METHODOLOGY AND LIMITATIONS OF THE STUDY 2. 1 NEED OF inquiry The question is significant for me and the bank thus significant as follow to the trainee as follow * To the trainee The research has provided the trainee mulish knowledge regarding the organization working, survey and other boldness of marketing. This research is also essential for me in fulfillment of MBA curriculum. * To the bank Research would help the bank to get the lead of potential customer and current satisfaction level among existing relationship companies To study the opportunity of cross sailing of other product and services The suggestion provide the researcher will be helpful to improvement of class and quality of service to new and current customers and also help to enhance the activities * To the customer The research will become a medium to convey the dissatisfaction factor to the appropriate person in the management 2. 2 SCOPE OF RESEARCHThe research was conducted for AXIS bank li mited in Hoshiarpur City. The research was conducted in operational and marketing aspect of the bank products and survey. The research collected to detail information by personal interview and data collection sheet. 2. 3 OBJECTIVES OF THE STUDY This study has been conducted with a variety of important objectives in school principal. The following provides us with theobjectives that have tried to achieve through the study. The extent to which these objectives have been met could judge from the conclusions and suggestions, which appear in the later of this study. The main objective of the study is to know about the potential of the market regarding peoples dealing in financial services. To know the role of all financial services. To know where people have already opened their Account and on what basis. 2. 4 RESEARCH METHODOLOGY Research is an art of scientific investigation. In other word research is a scientific and systematic search for pertinent information on specific topic. Th e logic behind taking research methodology into consideration is that one can have knowledge about the method and procedure adopted for achievement of objectives of the project.With the adoption ofthis others can evaluate the results also. Its main aim is to keep the researchers on the right track. The methodology adopted for studying the objectives was surveying the saving account holders of regularise HOSHIARPUR. So keeping in view the nature of requirements of the study to collect all the relevant information regarding the comparison of saving account of Centurion Bank of Punjab with otherbanks direct personal interview method with organise questionnaire was adopted for the collection of primary data. Secondary data has been collected through the various magazines and newspaper a nd by surfing on internet.And the guide in the organization was consulted at many times. 2. 5 SELECTION OF THE SAMPLE It becomes impossible to contact each and every individual of the population due to limitations of essential resources like time and money. Therefore, the study is preferably allowed down to a representation sample to make the study more manageable. Keeping in view the objectives and resource limitation of the study, 100 respondents were considered. Respondents 100 The selected sample is representative of the population and is accurate and practicable. 2. 6 SAMPLING TECHNIQUETo study the Project, a Simple Random Sampling proficiency is used. 2. 7 SAMPLING PLAN The following factors will be taken into consideration within scope of sampling plan. 1 Sampling unit It defines the target population that will be sampled i. e. it upshots who is to be surveyed. In this study, the sampling unit is customers using internet banking. 1 Sampling size It indicates the numbers of people to be surveyed. Though large samples give more reliable results than small sample but due to constraints of time and money, the sample size was restricted to 50 respondents. 2. 8 COLLECTION OF D ATAAfter the research problem has been defined and the research design has been chalked out, the task of data collection begins. The data can be collected mainly through primary sources, but it was supplement with secondary data. * Primary data collection Primary data is the data which is collected through observation or direct communication with the respondents in one form or another. These are several methods for primary data collection like Observation Method, Interview Method, through schedules, through questionnaires and so on. * Secondary data collection methods Secondary data is collected through Internet. Internet We also take into consideration the internet facility with which wecollect lotoflatest information. * Journal and publications of different banks We also take into consideration the journals and publications issued by the bankat different times. Wecomes to know about the Branches, ATM, locations and other reusable information. 2. 9 LIMITATION OF RESEARCH both res earch has its own constraints which keep limitation to work similarly this research has also limitation due to which the researcher could not get detailed information regarding project. These are Though full efforts have been made but due to the lack of past experience in the marketing field I failed some areas have been left from including in the study Due to the limitation of time I was unable to cover more sample (data collection sheet) and to fridge the lead granted. CHAPTER 3 PROJECT INTRODUCTION 3. 1 PROJECT INTRODUCTION As a part of curriculum the students of MBA have to undergo Summer Internship Program (SIP). Wherein a student gets the knowledge about practical life, how the work is done in companies, how to get acquainted with working conditions and other many such things, etc. he main aim behind this program is that students get some experience with which he could get assistance while searching the job. This program is generally provided by a company and it lasts for at least two months. Students as per their specializations could apply for SIP and get the opportunity to work in a company, which the college suggests. As a management student I also have to undergo SIP. I got the opportunity to complete this program in AXIS BANK LTD. , for two months. Axis bank is one of the leading BANKS in banking sector in India. First of the two months was devoted to training.Our training started with the posing of information about bank product and sale sand what is the meaning of the concepts, importance of sales and marketing was taught. The second part was about open an account-why we open an account in bank, about the banking sector- as avenue for investment, how banking sector is Better Avenue for investment. The next session was about detailed knowledge about banking sector-how to sell these products in market. The last session was about the practical knowledge about how to get appointment of customers and how to convince them to take the product.In the second month we have sell the products directly in the market, procedure of selling the products etc. 3. 2 MEANING OF WHOLESALE BANKING OPERATIONS The in large quantities Banking contains products sold to large and middle market commercial companies, as well as to consumers on a whole sale basis. This includes lending, treasury management, mutual funds, asset-based lending, commercial real estate, corporate and institutional trust services, and investment banking through rise Fargo Securities. The company also owns Baring ton Associates, a middle market investment bank.Wells Fargo historically has avoided large corporate loans as stand-alone products, instead requiring that borrowers purchase other products along with loans which the bank sees as a loss leader. One area that is very profitable to Wells, however, is asset-based lending lending to large companies using assets as collateral that are not normally used in other loans. This can be compared to subprime lending, but on a corporate level. The main brand name for this activity is Wells Fargo Foothill, and is regularly marketed into mb stone ads in the Wall Street Journal.Wells Fargo also owns East dil Secured, which is described as a real estate investment bank but is essentially one of the largest commercial real estate brokers for very large transactions (such as the purchase and sale of large Class-A office buildings in central business districts throughout the United States). The wholesale banking operations consist of the following transactions 1. Opening of Account 2. Issue of Check book 3. transnational Debit / Credit Card 4. Issue of motive Draft (DD) 5. Net banking 6. E-mail statement 7. Phone banking 8. Insta Query 9. Insta Alert 10. Bill pay 11. bankbook 12. quarterly Account Statement 13. Loan Facility. 3. 3 CONCEPT 3. 3. 1 SAVING ACCOUNT INFORMATION translation A deposit account at a bank or savings and loan which pays interest, but cannot be withdrawn by check writing. Types of Savin g Account In Axis Banking 1. Zero Balance Savings Account At Axis Bank it has been incessant endeavor to create products specifically cater to your ineluctably. The account while offering a whole range of services also addresses your latent need of having an account without the hassle of maintaining an amount quarterly balance. Features 1. No Average Quarterly Balance requirement 2. melt International Debit Card with an Accidental Insurance cover up to Rs 2 lakhs* (charges for the primary holder are waived). 3. Free mobile banking facility 4. Access through more than 825 branches and more than 3595 ATMs 5. At-Par cheque facility with the clearing limit of Rs 50,000 6. 247 Tele banking & Internet banking. 7. Free quarterly statements8. Free monthly e-statement Conditions Apply- 1. initial funding of Rs. 5,500. 2. Account maintenance fee of Rs. 500 per annum 2. Krishi Savings Account (Kheti Ho Khushahali ki) Axis Bank offers a unique savings account which is easy to operate and a llows you to transact immediately.This product has been specially knowing keeping in spirit the unique requirements of a farmer and true to its nature has been called the Krishi Savings Account. Some of the features of our new product are Average Balance Requirement This account is offered with the requirement of maintaining the half-yearly average balance of Rs 1000only. International Master Debit Card The Krishi Savings Account entitles you to an International Master Debit Card with which you can access your account anytime through the Axis Bank ATM network expel of cost. This card comes with a cash withdrawal limit of Rs 25,000 per day.Free Accident Insurance cover of Rs 2 lacks. anyplace Banking Being a Krishi account holder, you are entitled to access our wide network of more than 825 branches and 3595 ATMs across 440 cities. You can now easily carry out your transactions through any of the branches or ATMs. At Par Cheque Book Your Krishi Savings Account comes with the At-P ar Cheque facility. This facility enables you to en cash the cheques as topical anaesthetic instruments at any of the 440 centers where the Bank has its presence, at no extra cost. Moreover, you can also issue cheques at other centers upto the limit of Rs 50,000. Easy Access Savings Account (Banking made easy) * A handiness * C Convenience * C Comfort * E Earnings * S Speed * S Service Want a savings account that transcends geographical boundaries? Presenting, Axis Banks Easy Access Savings Account. The account is an endeavor by the Bank to understand the consumers needs and redefine banking to suit your requirements for a truly soothing banking experience. Easy Access Savings Account gives you instant access to your money anywhere, anytime. Possessing a range of ludicrous features, it has been devised to better suit the convenience of our eclectic client base.You can avail of all these services with a token(prenominal) quarterly average balance of Rs. 5,000 in metro or u rban centers, Rs. 2,500 in semi urban centers and Rs. 1,000in rural centers. At-par cheque ATM Network Anywhere Banking Tele banking i Connect Mobile Banking Quarterly account statement Quarterly interest 3. 5 % per annum Free monthly e-statement. You can avail of all these services with a lower limit quarterly average balance of Rs. 5,000 in metro or urban centers, Rs. 2,500 in semi urban centers and Rs. 1,000 in rural centers. Corporate Salary AccountOur Corporate Salary Power Offering is designed to offer pay roll solutions through in a 24 X 7 environment. We leverage on our extensive network of distribution channels spread across 450 centers through a network of more than 827 branches and 3595 ATMs besides our superior service delivery model and product features, as a strong differentiator, to provide value to the end user. Benefit to Employers Efficient salary disbursal. Web Upload Transfer salaries/reimbursements directly from your current account with Axis Bank to your em ployees accounts using I Connect from your office. Single-instruction salary credit Same day salary credits for all companies having Corporate Account with Axis Bank. Dedicated relationship manager at metro locations to understand the financial requirements of your employees. Benefit to Employees No minimum balance criteria. Unparalleled Access Anywhere banking facility through our network of Branches, ATM and Internet banking facility. AT Par cheque books payable locally at all Axis Bank locations. International Debit cum ATM cards with enhanced bullion withdrawal facility and other value add ones. Online Banking with funds transfer, online shopping and bill payment options. Depository services with free online trading accounts. Meal Cards on a master card platform. Employee Reimbursement accounts as a savings account variant. Preferential set on loan products and credit cards and other banking products services. 3. Prime Savings Account Want a customized savings account to su it your specific financial requirements? At Axis Bank, we have always strived to pace our products with the growing needs of our customers.The Prime Savings account has therefore been created with your specific financial requirements in mind. through and through the At Par cheque facility, you have the unique advantage to en cash your cheques as a local cheque at more than 330 centers where the bank has a presence at no extra cost. In addition the account enables you to issue cheques up to Rs. 1 lakhs, which will be treated as At Par across these locations. You can avail of all these services with a minimum average balance of Rs 25,000 in metro/urban/semi-urban centers and Rs 10,000 in rural centers. 4.Smart right Account (For the woman of today) In todays busy world its tough being a working woman. Right from shuttling between a job and family to taking care of her finances she has to be on her toes all the time. Keeping this in mind, we at Axis Bank have designed a savings accoun t best suited for the woman of today. With the Smart Privilege Account, you can manage your money and your life and as well as enjoy a host of life-style privileges. Furthermore Axis Banks Smart Privilege Account ensures that you have enough time for all the important things in life. Senior Privilege (Because life begins at sixty) Are you seeking a banking style that wishing your senior status? Axis Banks Senior Citizen Savings Account has been designed keeping in mind the fact that a senior citizens banking requirements are wholly different and require special consideration. * Special Privilege (A Privilege assures the care you deserve) We have introduced Senior Citizen ID card for our Senior Privilege patrons. Let us short introduce the wide range of advantages it hold for you. * Avail of Great benefits with Senior Citizen ID cardID card acts as an age proof. Enabling you to redeem every advantage that you are eligible for, this card will soon help you avail of certain never-be fore Senior-citizen benefits at various stores, service providers and installation across the nation. * Feel safe Every where Apart from provide you with the power to claim great benefits, card also act as parking brake information medium. In case of emergencies, it provides the doctors and authorities with vital data like your blood group, allergies, illnesses, address and apprehension contact details.This ensures that you are well looked after in any situation, no matter where you are. * Always a Privilege It will help in strengthen the bond with us and to be of assistance to you at all the times, no matter what your need be. Whether its loan, a savings account or any financial services that you wish to avail of, we will make sure that were always be there by your side. * Power Salute (Salute to the defense forces) Are you looking for an account that fits with your life in the Defence Forces? denial Salary Account from Axis Bank is a product designed keeping in mind how tough a life in the Defense Forces is.Not only does it come to you absolutely free, no minimum balance is required either. You can also access the entire Axis Bank network, including more than 2300 ATMs and 550 branch offices (and growing) no matter where you are posted. With the complete gamut of banking services (including overdrafts, loans and zero-balance requirements) you can now rest assured about your family and all their financial needs. It sour way of showing our appreciation to your work. * Banking Privileges At-par Cheque Facility * Your job involves constant transfers across the country.With the at-par cheque facility it will no longer be unavoidable to set up new bank accounts with each transfer. * Additional Debit Card * Along with a free International Debit Card, you also get a free card for the joint account holder. This means that your squirt or spouse also enjoy the same benefits of banking with Axis Bank. * Financial Advisory Services * Our solutions answer to the twin goals of meeting your requirements and to diversify and spread the risk of your investment portfolio, so you can look forward to a comfortable and worry-free life.We first understand your exact investment needs and then design the holy investment plan for you. 5. Trust/NGO Savings Account Thoughtful banking for people who spend their lives thinking of others Need special banking for special causes? Axis Banks Trust Account is an effort to offer thoughtful banking for people who spend their lives thinking of others. It is a complete banking solution for Trusts, Associations, Societies, Government Bodies, Section 25 companies and NGOs, so that the organizations can devote all of their time to their noble motivations. Features- A savings account for your trust with a concessional average quarterly Balance a multi-city at-par cheque facility with no limit on clearing payments at centers across the country wherever we are present. Free anywhere banking across all our Branches and Exte nsion Counters and over all our ATMs. Free Demand Drafts or Pay Orders as and when required by you to remit funds. Free collection of cheques at outstations locations free monthly e-statement Monthly Statement of Account delivered at your doorstep.Facility for collecting donations in your account through our network of Branches and extension counters across the country, as well as through I Connect our Internet Banking facility. Also, Axis Bank can offer the facility to give funds to your Trust through our Internet Banking facility I Connect to its customers. An Axis Bank customer can donate any amount to your Trust through the Internet. In such cases, the savings account of the customer gets debited and the savings account of your Trust gets credited with the amount of donation at the same time.At the end of every month, the Bank will provide an MIS giving details of the amount of donations and the name of donor. This will enable the Trust to issue receipts to the donors. Free In ternet Banking facility that enables you to view the status of your account, transfer funds and carry out a number of banking activities from the comfort of your home or office. * Investment Advice * Our Financial Advisory Desk will provide portfolio management advice as well as help you undertake investments. * Free Demat To facilitate your investments, we offer a free Demat Account (charges due to NSDL must still be levied) to our esteemed account holders in the Trust or Society department. * Foreign Contribution (Regulation) Act FCRA accounts * The FCRA account enables approved organizations to receive foreign contributions for exercising in their activities in India. The Bank will provide assistance in the process of documentation and obtaining necessary approvals from Ministry of Home Affairs at New Delhi. 3. 4 CURRENT ACCOUNT INFORMATION 3. 4. 1 pedigree ONE (FOR SUCCESSFUL BUSINESSES)The Channel One Current Account is an effort in that direction where we take care of your d ay to day banking requirements leaving you with more time for your business. Channel One Current Account is most appropriate choice of successful businesses. At a monthly Average Balance (MAB ) of Rs. 10 lack. FEATURES 1. Relationship Manager. 2. Doorstep Banking. 3. Anywhere Banking. 4. Free Internet Banking. 5. Free 24 hour Tele banking. 6. Mobile Banking Service. 7. International debit card. 8. Cheque Protection Facility. 9. Free 24 hour cheque deposited facility. 10. Payment of Government Taxes/ Dues. 11. Foreign exchange services. . 4. 2 BUILDERS AND REAL ESTATE Axis Bank understands the increasing demands on businesses in this segment . Heres presenting the Axis Bank Builder Real Estate Current Account a current account with unparalleled product features built to suit Builders Realtors exclusively. This account offers you unmatched convenience while adding financial value to your businesses spread over geographies. . At a monthly Average Balance (MAB) of Rs. 5 Lacks this ac count comes loaded with special facilities and benefits, most appropriate for your business. FEATURES 1. Home Branch Cash Deposit. 2. Non Home Branch Cash Withdrawal. . Free Anywhere Banking. 4. Cluster facility. 5. Zero Balance account for Vendors and Suppliers. 6. Franking Facility. 7. Customer cheque printing. 8. Internet Banking. 9. Free 24-hour Phone banking. 10. Mobile Alerts. 11. ATM cum Debit Card. 12. Free Monthly Account Statement. 3. 5 TRAINING IN WHOLESALE BANKING OPERATION 3. 5. 1 CORPORATES Corporate Banking reflects Axis Banks strengths in providing our corporate clients in India, a wide array of commercial, transactional and electronic banking products. We achieve this through innovative product development and a well-integrated approach to relationship management. Funded Services Working Capital Finance, Bill Discounting, Export Credit, Short Term Finance, unified Finance, Term Lending. * Non Funded Services Letter of Credit, charm of Documents, Bank Guarantees. * Value Added Services Syndication Services, Real Time make Settlement, Cash Management Services, Corporate Salary Accounts, Reimbursement Account, Bankers to Right/Public Issue, Forex Desk, Money Market Desk, Derivatives Desk, Employees Trusts, Cash redundancy Corporate, Tax Collection * Internet Banking Supply Chain Management, Corporate Internet Banking, Payment Gateway Services. 3. . 2 SMALL AND MEDIUM ENTERPRISES At Axis Bank we understand how much of hard work goes into establishing a successful SME. We also understand that your business is anything but small and as demanding as ever. And as your business expands and enters new territories and markets, you need to keep pace with the growing requests that come in, which may lead to purchasing new, or updating existing plant and equipment, or employing new staff to cope with the demand. Thats why we at Axis Bank have assembled products, services, resources and expert advice to help ensure that your business excels.Solutions ar e designed to meet your change needs. The following links will help you identify your individual needs. * Funded Services Funded Services from Axis Bank are meant to directly bolster the day-to-day working of a small and a medium business enterprise. From working capital finance to credit substitutes from export credit to construction equipment loan we cater to nearly every business requirement of an SME. Click on the services below that best define your needs * Non-Funded Services Under Non-Funded services Axis Bank offers solutions that act as a catalyst to repel your business.Imagine a situation where you have a letter of credit and need finance against the same or you have a tender and you need to equip yourself with a guarantee in order to go ahead. This is exactly where we can help you so that you dont face any roadblocks when it comes to your business. The following are the services that will precisely tell you what we can do Business Accounts, Letters of Credit, Collectio n of Documents, Axis Bank Trade, Guarantees, Cash Management Services, Money Market Desk, Derivatives Desk, Services to Cash Surplus Corporate, Services to Employee Trusts, Bankers to Rights/Public Issue, Tax Collection. specialise Services Axis Bank is one of the most trusted entities when it comes to specialized services like selling of precious metals to customers. Under specialized services you can also avail customized control of your value chain of mountains through our internet banking platform. * Value Added Services There is a plethora of services that we offer under value added services. Theres corporate salary account which ensures smooth payment methods to your staff. You can avail an assortment of credit cards and debit cards from our merchant services. The following are the highlights of this serviceReal Time take in Settlement, Reimbursement Account, Custody Services, Corporate Salary Accounts, Merchant Services, Axis Bank Gold Business Credit Card. * Internet Banki ng Internet banking is a revolutionary service under the banking sector and Axis Bank is a herald in providing you with this service. We provide state-of-the-art payment gateway services to industries and companies in order to ease transaction processing. This in turn enhances the credibility of your business and makes banking extremely cost-efficient. 3. 5. 3 GOVERNMENT SECTORAxis Bank acts as an active medium between the government and the customers by means of various services. These services include * Tax Collection Where in customers can directly pay their taxes like Direct taxes, Indirect taxes and Sales Tax collections at their local Axis Bank * E-Ticketing Helps the customer by providing him a direct access to book a Railway Ticket online and get it home delivered * Opening of L/Cs is done by the bank on behalf of Government of India, Mints and Presses, thus facilitating imports for the Government. * Collection of levies and taxes on behalf of Municipal Corporations i. . K alyan -Dombivli Municipal Corporation, is undertaken by the Bank. * Collection of stamp duty is done via franking mode in the states of Maharashtra & Gujarat. The Stamp Duty Franking Facility is available at following branches in Maharashtra Fort, Chembur, Lower Parel, Mira Road, Thane (Talao Pali), Panvel, Ratnagiri, Pune (FC Road), Kolhapur, Nagpur, Pimpri. The Stamp Duty Franking Facility is available at following branches in Gujarat Ahmedabad (Navrangpura), Kutch (Mundra), Baroda (Gotri Road), Surat (Ring Road), Bhavnagar & Vapi (GIDC). Disbursement of Pension to retired Employees of Central Govt and Defence is directly done by Axis Bank along with the disbursement of pension to the members of EPFO (Employees Provident Fund Organization) * Electronic Collection of fees on behalf of DGFT is done by the bank too * Ministry of Corporate Affairs Collection of ROC fees for the Ministry through authorized Branches and Net Banking. * Collection of lieu Tax through Selected Branches on behalf of Municipal Corporation of Delhi CHAPTER 4 DATA ANALYSIS & INTERPRETATION 4. 1 Analysis of QuestionnaireThe study was conducted and primary data was collected through questionnaire method. For this purpose, 100 respondents of the TANDA city were approached of 100% in the branch has been shown below Q1 Customer having accou