Reynold Defense Firm Essay Example | Topics and Well Written Essays - 250 words

Reynold Defense Firm - Essay Example In addition, the correspondence methodology disposes of issues of postponement and customer disappointment, which may impactsly affect the business exercises of the firm. The media channels permit the firm to abuse an ecological preferred position since our administrations don’t segregate clients on grounds of money related qualities. The call administrations give free discussion openings a move not experienced with most lawful firms. In issues of trustworthiness to offer legitimate help with no accentuation on monetary benefit, the firm is a victor. Their administrations get dependent on the organizers various experiences with the lawful framework on issue majoring with DUI. The individuals from staff have created productive relational abilities that take into account the conveying of value reactions redid with the goal that it can suit the overall circumstance. Other than the online correspondence media, the firm has a bulletin that diagrams a portion of the creating issues identifying with the lawful framework. In these pamphlets, the firm gives a few cures and measures that individuals should take when confronted with a crook or DUI accusation. People can likewise email the firm laying out their charges to get free counsel or look for portrayal in any locale in Oregon. All media channels embraced guarantee a fruitful discourse between the customers and a legitimate agent from the

Night- Elie Wiesel free essay sample

This book was incredibly ground-breaking as it stirred me to the dread that numerous individuals experienced during the Holocaust at the inhumane imprisonments. I saw the book as staggeringly compelling and simple to peruse. The genuine story of Wiesels experience begins by him thinking back about his youth with his Jewish family, living in Hungary during the World War II timeframe. Towards the center of World War II, they are ousted out of Hungary and into German death camps, where the dad and child are isolated from the mother and little girls. The story at that point centers around simply the encounters of the dad and the child. During their time in the work camps, they are beaten severely on numerous events, and experience loads of anguish. At long last, Eliezers father kicked the bucket directly before they were freed, and Eliezer never figured out how to discover his mom and sisters. We will compose a custom article test on Night-Elie Wiesel or then again any comparative theme explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page The primary statement I picked was, I had watched everything occur without moving. I kept quiet. Truth be told, I thought of taking ceaselessly all together not to endure the blows. What’s more, in the event that I felt outrage at that point, it was not aimed at the Kapo, however at my dad. (Page 54). I believed that this statement was extremely tragic, and it even caused me to feel somewhat disgusted. I was sickened by the way that in only a brief timeframe in the death camp, Eliezer changed so much that he could watch his own dad be beaten and not have any sentiments of regret for him. My subsequent statement was, The Lagerkapo ventured up to the censured youth. He was helped by two detainees, in return for two dishes of soup. (Page 62). I was stunned when I read these sentences since it demonstrated Jews taking different Jews to the hangman's tree in return for food. In any case, then again, it makes me distraught at the Germans since they gave the Jews so little food, that they were eager to send individuals of their own sort to the scaffold to make sure they might make due for one more day. The last great statement that I discovered was, All eyes were on the youngster. He was pale, practically quiet, yet he was gnawing his lips as he remained in the shadow of the hangman's tree. This time, the Lagerkapo wouldn't go about as killer. (Page 64). I felt this was a decent statement in light of the fact that dependent on what I was educated about the Holocaust, I considered the To be as cool, merciless individuals. However, when the German killer had the assignment of murdering a Jewish kid, he couldnt discover it in himself to finish the undertaking, which made me see the Germans from an alternate perspective. The timeframe that this book covers is the World War II timespan, beginning in 1943 and finishing when the camps are freed by the Americans in 1945. Eliezers story centers around the Holocaust, and the encounters of Jews in the inhumane imprisonments. Wiesel appears to center somewhat more of his consideration on how the death camps changed individuals so much that they turned out to be to some degree childish enough that they would cast away their relatives and old buddies, to make sure they could endure. While perusing this book, I discovered that not all Jews were slaughtered by the gas chambers or by being taken shots at the inhumane imprisonments. Some of them were picked to work in labor camps, and there were some amazingly fortunate Jews, who really served in the German armed force. I imagined that the entirety of the Jews gave a valiant effort to stay together, and battle for the entirety of their prosperity. Rather, a significant number of them were so hell bent on enduring that they were happy to allow friends and family to endure with the goal that they could live to see one more day. I would prescribe this book to different understudies as a decent method to find out about this timespan. It covers data about the Holocaust that wasnt educated to us in class, for example, the specific states of the camps and the assignments they had to do and see just to remain alive.

How to Find the Aquila Constellation

Step by step instructions to Find the Aquila Constellation The group of stars Aquila is noticeable in the northern halves of the globe summer sky and the southern sides of the equator winter. This little however critical group of stars includes a few intriguing profound sky protests that novice stargazers can see with a patio telescope. Discovering Aquila <img information srcset=https://www.thoughtco.com/thmb/pj_WtfcDNGZMaJ_6m2xStFBGIUU=/300x0/filters:no_upscale():max_bytes(150000):strip_icc()/aquila-5b5a8d0446e0fb005006c2bf.jpg 300w, https://www.thoughtco.com/thmb/LMnFmDQ5uE_oXYgoc8_SobRY-lI=/567x0/filters:no_upscale():max_bytes(150000):strip_icc()/aquila-5b5a8d0446e0fb005006c2bf.jpg 567w, https://www.thoughtco.com/thmb/dL-Mfbyl7kRIGQypa6Q3XMH1NME=/834x0/filters:no_upscale():max_bytes(150000):strip_icc()/aquila-5b5a8d0446e0fb005006c2bf.jpg 834w, https://www.thoughtco.com/thmb/hU5cdzgVEdopszaWQeK7zxGAQQg=/1369x0/filters:no_upscale():max_bytes(150000):strip_icc()/aquila-5b5a8d0446e0fb005006c2bf.jpg 1369w information src=https://www.thoughtco.com/thmb/tzRsy5DefeyJ1QsqGtOMDFoG2oU=/1369x830/filters:no_upscale():max_bytes(150000):strip_icc()/aquila-5b5a8d0446e0fb005006c2bf.jpg src=//:0 alt=Aquila star grouping class=lazyload information click-tracked=true information img-lightbox=true information expand=300 id=mntl-sc-square image_1-0-3 information following container=true /> Aquila is plot in black out blue, and its most splendid star is Altair. Search for it just beneath Cygnus the Swan and close to Sagittarius. From a dull review site, onlookers can see that Aquila lies in the plane of the Milky Way. Carolyn Collins Petersenâ The most straightforward approach to discover Aquila is to find the close by star grouping Cygnus, the Swan. Its a generally cross-molded example of stars that is high overhead on summer nights starting in mid-July. Cygnus seems, by all accounts, to be flying down the Milky Way universe (which we see from within as a band of stars extending over the sky) toward Aquila, which resembles a warped state of an or more sign. The most brilliant stars of Aquila, Lyra, and Cygnus all structure a recognizable asterism called the Summer Triangle, which is obvious in the northern side of the equator from late-spring to late in the year.â Chronicled Interpretations Aquila has been a known star grouping since relic. It was classified by the stargazer Claudius Ptolemy and was in the end received as one of the 88 present day groups of stars diagrammed by the International Astronomical Union (IAU). Since it was first deciphered by the Babylonians, this star design has for all intents and purposes consistently been distinguished as a falcon. Truth be told, the name aquila originates from the Latin word for eagle. Aquila was additionally notable in antiquated Egypt, where it was viewed as a feathered creature going with the god Horus. It was comparatively deciphered by the Greeks and, later, the Romans, who named it Vultur volans (the flying vulture). In China, legends about family and partition were advised comparable to the star design. Polynesian societies saw Aquila in a few distinct manners, including as a warrior, an apparatus, and a navigational star. The Stars of the Aquila Constellation The six most splendid stars in this locale make up the body of the falcon, set against a background of dimmer stars. Aquila is generally little, contrasted with close by groups of stars. Its most splendid star is called ÃŽ ± Aquilae, otherwise called Altair. It lies just around 17 light-years from Earth, making it a quite close neighbor. The second-most splendid star is ÃŽ ² Aquilae, otherwise called Alshain. Its name originates from an Arabic expression which implies the parity. Space experts normally allude to stars along these lines, utilizing lowercase Greek letters to demonstrate the most brilliant as alpha, beta, etc, to the dimmest ones lower in the letter set. Aquila includes a few twofold stars, including 57 Aquilae. It contains an orange-hued star combined with a whitish-shaded one. Most watchers can recognize this pair utilizing a decent arrangement of optics or a patio type telescope. Quest out Aquila for other twofold stars, as well. <img information srcset=https://www.thoughtco.com/thmb/zDBxaXX2cEbVAtoM8qPIRNqCcYw=/300x0/filters:no_upscale():max_bytes(150000):strip_icc()/aql-5b5a8d8246e0fb002c215ded.jpg 300w, https://www.thoughtco.com/thmb/t1dQoflzy_6lSSq_ajPphQj_qkU=/481x0/filters:no_upscale():max_bytes(150000):strip_icc()/aql-5b5a8d8246e0fb002c215ded.jpg 481w, https://www.thoughtco.com/thmb/tIdVq_mKru8vsLeh12JNYs76Pxs=/662x0/filters:no_upscale():max_bytes(150000):strip_icc()/aql-5b5a8d8246e0fb002c215ded.jpg 662w, https://www.thoughtco.com/thmb/zecKbZECgT9V-GQAUENW13fCq1M=/1024x0/filters:no_upscale():max_bytes(150000):strip_icc()/aql-5b5a8d8246e0fb002c215ded.jpg 1024w information src=https://www.thoughtco.com/thmb/bVcZPGf5c3rZBaUgkAOeWCwPqtA=/1024x768/filters:no_upscale():max_bytes(150000):strip_icc()/aql-5b5a8d8246e0fb002c215ded.jpg src=//:0 alt=A star outline demonstrating Aquila. class=lazyload information click-tracked=true information img-lightbox=true information expand=300 id=mntl-sc-square image_1-0-20 information following container=true /> The whole heavenly body of Aquila appeared with IAU limits and the most brilliant stars that make up the example.  IAU/Sky Telescope Profound Sky Objects in Constellation Aquila Aquila lies in the plane of the Milky Way, which implies that there are various star groups inside its limits. Most are genuinely diminish and require great optics to make them out. A decent star graph will assist you with finding these. Theres additionally a planetary cloud or two in Aquila, including NGC 6781. It requires a decent telescope to spot, and its a most loved test for astrophotographers. With an incredible telescope, NGC 6781 is brilliant and striking, as observed underneath. A view through a terrace type telescope isn't about so brilliant, yet rather shows a marginally greenish-dark mass of light. <img information srcset=https://www.thoughtco.com/thmb/3hO3zRy1D9aDNhrwrbQKk827cF0=/300x0/filters:no_upscale():max_bytes(150000):strip_icc()/1024px-NGC-6781-5b5a929346e0fb005007a277.jpg 300w, https://www.thoughtco.com/thmb/HRFkIJKBTL0JoMYY-5-kIWmQdCs=/481x0/filters:no_upscale():max_bytes(150000):strip_icc()/1024px-NGC-6781-5b5a929346e0fb005007a277.jpg 481w, https://www.thoughtco.com/thmb/cvt0GL_KGqIOkcBlB6aarygyKYw=/662x0/filters:no_upscale():max_bytes(150000):strip_icc()/1024px-NGC-6781-5b5a929346e0fb005007a277.jpg 662w, https://www.thoughtco.com/thmb/yDnusPWHjGl9v7W8kZcvpKpF-PI=/1024x0/filters:no_upscale():max_bytes(150000):strip_icc()/1024px-NGC-6781-5b5a929346e0fb005007a277.jpg 1024w information src=https://www.thoughtco.com/thmb/LjyKcjRHYCzYu_DYQEp-4oDq3iQ=/1024x1024/filters:no_upscale():max_bytes(150000):strip_icc()/1024px-NGC-6781-5b5a929346e0fb005007a277.jpg src=//:0 alt=A planetary cloud in Aquila. class=lazyload information click-tracked=true information img-lightbox=true information expand=300 id=mntl-sc-square image_1-0-24 information following container=true /> The planetary cloud NGC 6781 as captured through one of the telescopes of the European Southern Observatory in Chile. This cloud lies in Aquila and can be spotted with a decent terrace type telescope. ESO Aquila as a Springboard for Exploration Eyewitnesses can utilize Aquila as a bouncing off spot to investigate the Milky Way and the numerous groups and items that lie in close by heavenly bodies, for example, Sagittarius. The focal point of our cosmic system lies toward Sagittarius and its neighbor Scorpius. Simply above Altair lie two minor little heavenly bodies considered Delphinus the Dolphin and Sagitta the Arrow. Delphinus is one of those star designs that resembles its name, a lively little Dolphin in the brilliant oceans of the Milky Way.

Fraud, Deceptions, and Downright Lies About When Writing an Essay on a Book Do You Need to Note Page Numbers Exposed

<h1> Fraud, Deceptions, and Downright Lies About When Writing an Essay on a Book Do You Need to Note Page Numbers Exposed </h1> <p>If you might want to appear as something else, you're probably going to require a procedure. Note taking which is any strategy that requires the account of data from another source facilitates the act of exposition writing in various methods. Recorded underneath are extraordinary cases that might be written from multiple points of view. Rather, there are a couple extra estimates you should take before you're finished. </p> <p>So, a heavenly arrangement of guidelines is just a lifeline for an understudy who wishes to make a top notch article and discover an evaluation of the school mates and educators. Quest for intimations to the character of the book you will peruse. It is essential to know that the core of a book audit isn't to censure the work, yet rather, to give a restorative light to the work. You may not be directly on each thought, yet the best thing about KWL notes is you don't need to return and delete what you got off-base basically to prepare for new thoughts. </p> <p>From time to time, an alloted paper will demand that you study a particular article or section from the program understanding rundown. To have the option to make a book investigation paper, you must peruse the book. At the point when you make the layout and the book examination paper, you must explain the characteristics of the chief characters inside the book. An outline of what will be examined all through the rest of the exposition may likewise be remembered for the presentation section, whenever wanted. </p> <p>Just like any article, the absolute first passage ought to present the theme. Composing your notes in your words is among the best methodologies to forestall inadvertent written falsification. The following couple of sentences will have progressively solid information regarding the matter, and afterward the author will gracefully a proposition explanation. </p> <p>The distributed basic examination of various perusers may likewise be used to help your sentiment or work as a counterargument. You may find expositions on the web, which are likely distributed on a webpage or as a component of an on-line diary or magazine. For example, on the off chance that you realize you need to compose APA references in your paper, record the data in the suitable request now. You will be provided with a rundown of composing offices and will be able to evaluate the spending you need to get the top notch exposition. </p> <p>For example, the positive attributes of the book might be that the plot was connecting with and that the story wasn't excessively expressive. Consider your exposition's proposal for a guarantee to your crowd about what sort of investigation you've made for the books and permit it to be explicit. Numerous education accounts are composed and distributed by celebrated scholars to help their crowd get the chance to get them. Next you wish to think about building up your subject. </p> <h2>when Writing an Essay on a Book Do You Need to Note Page Numbers - the Story </h2> <p>Sometimes, you should fuse the page number in the occasion the idea is incredibly explicit. Contingent upon the kind of work you're refering to, you may need to incorporate additional subtleties. Make your composing area a specific space, so that in the event that you enter it, you're set up to take care of business. Note accepting isn't the open door to create total sentences, not to me ntion passages, except if you're citing material. </p> <p>Open the word handling programming you're utilizing to form your paper. Precisely the same technique lets you discover free of pointless segments of your statement. Be sure to note which bits of data in your paper are cited or drawn from each source. Set the reference in quotes at the finish of the sentence where the data is referenced. </p> <p>Sometimes you probably won't know the date of a particular article from the net. At the finish of each review, a connection was given which will guide you into the suitable challenge's page which will offer far reaching data for that particular challenge. Snap the check box on the off chance that you need to get a number on the absolute first page of the exposition. Make note of data with respect to the course book, which could much of the time be found on the cover sheet. </p> <h2> when Writing an Essay on a Book Do You Need to Note Page Numbers - Dead or Alive?</h2> <p>In the occasion the title is progressively grave, you're as yet ready to utilize it so as to make expectations. Setting an every day cutoff time and ordinary composing time will ensure that you don't have to consider when you will compose. At the point when utilized, another cover sheet isn't numbered. Moreover, you'll likewise get a thoroughly free book reference page notwithstanding an enemy of literary theft check. </p> <p>Books would develop to be any longer and perusing unmistakably progressively dull. For diaries or magazines, you will likewise should be comfortable with volume and issue number. You don't have to form papers alone. Gather the materials you'll require. </p>

What Does Narcissism Essay Topics Mean?

<h1> What Does Narcissism Essay Topics Mean? </h1> <p>So numerous individuals these days must understand that narcissism isn't totally what they think. A few researchers feel that narcissism is a self-perpetrated as a kind of private reverence. On the other side, auxiliary narcissism begins from the nonappearance of adoration from parental figures. Narcissism in the legends interface a few characters all things considered in rather astounding strategy. </p> <h2> The Upside to Narcissism Essay Topics</h2> <p>As you may believe that to have the option to make an astounding unique factious paper, you must give the entire evening contemplating, it isn't accurate. When picking the theme for your article, you need to guarantee that you're picking something that is unmistakable as well. On the off chance that you must compose your entire article in 1 day, do your absolute best to give yourself breaks so you don't wear out. Recollect you can cause en tertaining factious expositions on the off chance that you to do a couple of things. </p> <h2>How to Choose Narcissism Essay Topics </h2> <p>Lastly, you additionally need to be able to go over either side of the contention to give an adjusted paper. It's critical to choose far from being obviously true contentious paper subjects as you need contradicting focuses you can counter to your own focuses. Finding the most appropriate contentions can assist you with demonstrating your point and win. You may repeat your contention, which is a somewhat regular practice among writers. </p> <h2> The New Fuss About Narcissism Essay Topics</h2> <p>You may keep on saving your contentious papers for your up and coming employment portfolio on the off chance that they're profoundly reviewed. On the off chance that don't have any inclination to sit around on picking the best point and composing the whole contentious paper without any preparation, remembe r that you've a dedicated gathering of experts close by. The most effective method to bring down degree of stress when you live in a relentless society. Understudies who need to complete a generally excellent paper on narcissism will need to peruse a ton to see the beginning of the issue and advance their insight on the confusion. </p> <h2> The Benefits of Narcissism Essay Topics</h2> <p>Our model exposition may likewise assist you with understanding how to utilize different style of composing. Our model article authors have satisfactory abilities in explore and approach the most refreshed examination materials and consequently you can be ensured to discover the paper you're searching for in our database. Guess the rundown and remain in thoughts that fascinating points are an appropriate route for a charming task. In the event that you effectively decide the goal of language article than you should guarantee that the subject of language exposition should fit in the target. </p> <p>Before composing contentious paper, an appropriate appreciation of the subject should be created, and applicable and true material should be utilized. Be sure the source is genuinely real and substantial. Make sense of which of the points, you right now have a genuinely decent foundation on which will make it workable for you to have a relative edge. General outline would fuse data that is covering the subject for language paper for an entire time explicit review will simply talk about specific issues. </p> <h2> Choosing Narcissism Essay Topics </h2> <p>If you're real, it's not possible for anyone to compose precisely the same article as you! The best contentious article composing administration on the net is an association that gives great quality and sensibly estimated help on pugnacious paper and factious exposition points. </p> <p>Argumentative expositions are a couple of as well as can be expected compose as an understudy. You are a certifiable master with respect to influential exposition subjects. Factious exposition subjects are so significant since they are debatableand it's fundamental to consistently be basically thinking about our general surroundings. Now and again you may require some master help with factious article themes. </p> <p>Be certain you understand the task appropriately. You have an alternative to choose probably the best theme for pugnacious paper from our rundown! In circumstances when you get the opportunity to pick the point for a factious article, you should be savvy and find a title that will interest a peruser. </p> <p>Odds are, you should simply unwind and find a point you're energetic about and, normally, one that is far from being obviously true. What you seek to instruct your peruser will choose the type of your exposition. Thusly, the subject should be far from being obviously true! Choosing a passionate point is likewise a brilliant thought. </p> <h2>The Narcissism Essay Topics Cover Up </h2> <p>Victims of narcissism may be compelling in different features however the second they don't accomplish their objectives, they get discouraged and feel blame. Each endeavors to adapt to their misfortune in different manners. After some time, narcissism w as conceptualized from numerous points of view, contingent in part upon the instruments that were utilized to gauge it. Principle narcissism results to consummation along with the compulsion to beat errands. </p> <p>Inspiration to make your own publicizing or media pugnacious exposition themes isn't precarious to find. You don't have to secure overly specialized with legitimate factious expositions, yet ensure you get your work done on what the current laws about your preferred point really state. Every one of these types of paper is possessed by the class of educational article. At that point, as an approach to compose an incredible paper one should peruse a totally free model article on Freud's narcissism in the web. </p>

Research Paper Topics For Master Students

<h1>Research Paper Topics For Master Students</h1><p>Research paper subjects for ace understudies frequently remember rising or current advancements for the field. The examination paper themes for ace understudies ought not be restricted to conventional points, however ought to incorporate those regions that will in all probability bear some significance with the understudy. The exploration paper subjects for ace understudies ought to likewise have a relational word, where understudies can without much of a stretch allude to and all the more critically refer to from their sources.</p><p></p><p>Research paper themes for ace understudies ought not just offer data about the examination being done, yet additionally about the understudy's association in the task. So as to encourage the improvement of the understudy's aptitude, a definite depiction of the understudy's exercises must be remembered for the examination paper subject for ace understudi es. For instance, an understudy with a Master of Science in Organic Chemistry who has done a wide scope of research could make reference to in his exploration papers the degree to which he has investigated differing themes that include joint efforts with others. Some different models include:</p><p></p><p>Although the subjects of the exploration paper are significant, the time that has been spent in building up the understudy's support is critical to his advancement. In this manner, it is critical to keep the span of the task short, yet far reaching. In the event that the understudy needs to invest more energy in a task, it ought to be considered this may prompt a less complete research paper theme for ace understudies, as the understudy would be required to join extra substance into the paper, which might not have been remembered for the first assignment.</p><p></p><p>Research paper points for ace understudies ought to likewise guaran tee that the whole undertaking stays inside the extent of the educational program. The understudy ought to likewise be urged to pose inquiries with respect to the undertaking and to request explanation of assignments from the educators. Thusly, the understudy will guarantee that the course content has not been undermined in any way.</p><p></p><p>In expansion to keeping the examination paper themes for ace understudies inside the extent of the educational plan, the understudies ought to likewise give a valiant effort to guarantee that the assignments can be finished effectively, with the assistance of friends. This will permit the understudy to profit by the input of individual understudies and will be an inspiring variable as far as keeping them persuaded. This is perfect for all understudies, regardless of whether they are a piece of a little gathering or a bigger one.</p><p></p><p>Research paper subjects for ace understudies ought to be elegantly composed yet ought to stay away from any zones that will make the task troublesome. It is essential to pick themes that can be comprehended by all understudies. This will guarantee that the task will be useful to everyone.</p><p></p><p>Research paper themes for ace understudies can differ contingent upon the point that is being explored. It is likewise imperative to realize that the examination paper themes for ace understudies is an impression of the understudies' own advantage. By remembering this, the understudy can think of the correct subjects for the task without following a particular pattern.</p><p></p><p>Although the above thoughts may appear to be anything but difficult to actualize, such choices will consistently rely upon the understudy's advantage and the degree of perception that the person in question can concoct. They ought not be confined by any standards with regards to looking into and composing the exa mination paper themes for ace understudies. Rather, they should simply take as much time as is needed and attempt to concoct the most ideal themes for their own needs.</p>

Finding Essay Topics for Mba Entrance Exam on the Web

<h1> Finding Essay Topics for Mba Entrance Exam on the Web</h1> <p>When it has to do with results, T.I.M.E. has consistently been head and shoulders over the rest. Furthermore, today in the event that you're likewise a MBA applicant living in Maharashtra, at that point this passageway is the way which could make you sack chances to have an astounding school. Anyway uncertain you're about your future, it's basic that you exhibit you've a program. Penn state smeal mba was anything but a critical private venture plan currently question. </p> <p>So the entirety of the XAT competitors, be prepared to make an article on the favorable circumstances and burdens of GST usage in Indian economy. Presently some PGDM courses likewise have came in the training field for a course for additional investigations about the very same things after UG. There are a considerable amount of advantages of doing a MBA. Dissimilar to both year normal MBA affirmation, the numerous pe riods of the confirmation methodology for the top Executive MBA programs are made to check how much worth they can build the program through their legitimacy and high caliber of experience they have. </p> <p>It incorporates four stages that should get finished before the past date. The test is happening in two spaces each day. You simply need to set yourself up to endeavor the most extreme measure of inquiries in the base second. At the point when the application procedure was done totally, the concede card can be gotten without any problem. </p> <h2> What the In-Crowd Won't Tell You About Essay Topics for Mba Entrance Exam </h2> <p>Concept composing is a way to keep on keeping your underlying contemplations, yet this technique is unreasonably trying for certain understudies. Exclusively composed exposition offers you re applying to turn in an application for questions. Happiness is the least demanding sort of Gratitude 5.</p> <p>You must build a decent layout before you compose. You need to peruse all the guidelines mindfully so as to forestall disarray. Right off the bat, you need to know the reasonable organization of paper composing. Com the tweaked paper inquiries for applying to wrap up. </p> <p>Most assessments are target type tests and gracefully the understudies with four choices to pick from. Standing endorsements must be submitted during the advising strategy. In order to transform into a CMA in the United States, you must experience the CMA selection test. Nonetheless, it has quick become among the most notable tests of the country. </p> <h2>How to Choose Essay Topics for Mba Entrance Exam </h2> <p>Candidates can happen after the timetable as per the gave dates. They will take an interest in the PGCET 2019 directing as per their position in the legitimacy list. Thus, they should know about the top MBA selection tests. Application Fee Candidate ought to make the installment for MAH CET 2019 to complete the application methodology. </p> <p>Essay composing is a huge part of the XAT Exam particularly in light of the fact that it's led along with the significant test. What's more, you need to get ready well the entirety of the Important Essay Topics for Competitive Exams. The Essay Topics list is given for English along Hindi segment. This college is arranged in Manipal, Karnataka. </p> <h2>Essay Topics for Mba Entrance Exam Secrets That No One Else Knows About </h2> <p>A part of MBA placement tests are directed every year. You have to show up in different MBA placement tests to stand a high likelihood of traversing one of the best private venture schools. The absolute first CMAT test occurred in 2012. The MBA placement tests are expected to check the understudies' ability to make intense choices, inclination and fundamental mindfulness. </p> <p>Any newbies aren't permitted inside the test corridor. An understudy in the most recent year of graduation may likewise apply. IMS is among the couple of foundations that centers around test certain projects for example the organization gives particular projects to a portion of the genuine administration selection tests. </p>

Choosing the Best Topic For Your Research Paper

<h1>Choosing the Best Topic For Your Research Paper</h1><p>Deciding on the best subject for your exploration paper is critical. It is the foundation of all your work and should be paid attention to. You can't bear to race through this piece of the procedure. On the off chance that you don't have the foggiest idea what theme you ought to expound on, you might need to peruse my recommendation below.</p><p></p><p>The first thing you have to do is consider what you wish to find out about. With regards to picking the best theme for your examination paper, you are not confined to a particular point. As I said before, you can expound on whatever you are keen on. This incorporates your family ancestry, your leisure activity, your convictions or whatever else you feel is pertinent to your work. You can even talk about science or medication, on the off chance that you need to.</p><p></p><p>The following stage in picking the best subject for your examination paper is to recognize precisely what kind of themes are generally regular inside your field. You should discover the main five subjects that you have investigated the most about, so as to have the option to limit the theme list. When in doubt, you ought to pick one top five subjects and afterward utilize the rest of assist you with choosing which one to compose about.</p><p></p><p>Once you have distinguished the main five points, you should consider which of those themes you might most want to expound on. Record the main five themes and afterward cause a rundown of all that you to can think about that identifies with those points. Simply make certain to leave space for whatever else you may wish to incorporate. This implies if your main five subjects identify with a current field, you should add data identified with that field.</p><p></p><p>Once you have recorded the entirety of the points, you should cons ider how you might want to introduce every one of them. A great many people utilize a 'subject'. A subject speaks to the principle thought of the theme. A topic is additionally a viable method to limit the point list as it has just been referenced above.</p><p></p><p>You can make a rundown of subjects identified with a similar topic as your main five, or an alternate topic from your best five. You will find that in the event that you list the main five themes all together, it makes your errand exceptionally simple. This implies you can get right to the great stuff. When you have done this, the remainder of the errand is easier.</p><p></p><p>Once you have picked the principle subject, you should begin considering recording it. Contingent upon your present information, you may not realize what to expound on, or what data to incorporate. Be that as it may, when you can really expound regarding the matter, this can have the effect between your exploration paper being an exercise in futility, and a significant expansion to your book. On the off chance that you are uncertain, you should most likely simply skip recording the data about the topic.</p><p></p><p>Writing an exploration paper is a significant thing. It is something that permits you to communicate your contemplations to the world and give you a stage for advancing yourself and your own business.</p>

Political Instability And Electric Shortage Finance Essay - Free Essay Example

The project is about the factors causing SME Loans to decline as percentage of JS Banks total advance. JS Bank is a subsidiary of JS group. The project devises the complete research on why decrease advances for the JS bank. JS bank is the emerging bank which is providing high quality of services with the primary objective of customer satisfaction. This project is on different type of research respect to small and medium enterprises and analysis of JS bank financial statements and compare with two competitors. The performance of the bank from all the perspective including marketing finance and management have been evaluated and necessary recommendations have been presented in order to achieve the ultimate goals and objectives of the JS bank and conclude that government should improve their performance against Small and Medium Enterprises. SME plays an important role to stable the economy they also perform good in their line.JS bank decrease their advances against SME loan because of recession, political instability, and electric shortage INTRODUCTION COMPANY HISTORY JS Group  is a  financial services  group in  Pakistan. JS Group controls and operates financial services companies in Pakistan. Financial services of JS Group include  asset management,  commercial banking, company research, insurance,  investment banking,  Islamic banking,  micro finance, and  stock brokerage. JS Group also has investments throughout Pakistans economy, in the  industrial sector, technology and media sectors, commercial real estate, energy and  natural resources. JS Group has its headquarter in  Karachi  [1] Jahangir Siddiqui Co. Ltd. (JSCL) came into being in 1991.Mr. Jahangir Siddiqui emerged as the successor to the financial business and equity. This company, having a joint venture partner named as Bear Steams, was considered as one of the first companies related to securities having a Wall Street pedigree. On 10th August 1991, the company was listed in Islamabad, L ahore and Karachi stock exchange. The company has achieved a lot so far like being the financial adviser to the Hub Power Co. Ltd(for its equity offerings).This company has grown and diversified within the financial services to become an insurance, banking, asset management and brokerage business. In Pakistan JS operates financial services companies. Microfinance, Islamic banking, company research, investment banking, insurance, asset management and brokerage are included in its financial services. Throughout Pakistans economy like in technology, industrial and media sectors, natural resources commercial and real estates, JS group has its investments. While the headquarter is present in Karachi.  [2] Company Overview The company exhibits a complete framework of good governance it shows splendid practices regarding corporate governance. Management has a complete hold over the check and control of risks but still accepts the challenge of the growth of its business and to maintain and improve its standards.JS group has almost 160 branches which are operating in 85 countries. JS has introduced JS bank limited with different standards of banking and also the group is working with different sectors. The bank however operates in commercial banking. The five business units of JS bank are 1. Investment banking 2. Corporate banking 3. Wealth management 4. Retail banking 5. Treasury  [3] JS bank Background: JSBL is a subsidiary (64%) of Jahangir Siddiqui Co. Limited (JSCL). Mr. Jahangir Siddiqui, JS groups founder, chairs the banks seven-member BOD (excluding the CEO). Mr. Kalim Ur Rahman the new CEO has banking experience of over four decades. The bank has a well-defined organizational structure whereby the banks operations are grouped under eleven departmental heads.  [4] Addition of new branches and expanding network to 147 online branches. Focusing growth on rural and semi urban markets. JS bank are increasing their network in 79 cities which is resulting in there increase in their branches. Js bank is also increasing growth in trade related business. Side by side they have extensive growth in home remittance business which is very beneficiary for the JS to sustain a growth in this highly competitive industry. JS bank is now increasing their business by keeping pace with the technology by offering new services. JS bank emerged as the fully scheduled bank on 30th Dec, 2006 .For the government securities it has primary dealer license from The State Bank of Pakistan. The bank offers an innovative and complete range of products and services as well. The units given below are used to categorize the banks activities. Investment banking Treasury Retail Corporate and commercial banking  [5] Retail banking Retail Banking at JS Bank offers a variety of products and services for both depositors and borrowers at competitive rates. Please call or visit our Retail banking team to discuss your financial needs. You may take a snapshot of the Products Services in the menu on the left hand side of the screen. To get further details, please click on to the specific Product or Service. Please note that Zakat, w/tax, or any other tax/ conditions are applicable as per Regulations.  Ã‚  [6] Wealth management for the individual needs wealth-building solutions are offered. Personalized and independent products and services are used. Investors diff er in their nature. Some like to get a complete hold of their investments while some want the help of an advisor who is trustworthy enough to help in strategic investments. Our Wealth Management Services are for individuals looking to create, preserve and grow their wealth with the right investment solutions customized by a team of professionals. So, no matter where you are on your pathway to success, how experienced an investor you are, or how involved in your investment decisions you want to be, we have a service to suit your needs. As part of our Wealth Management Services, our product lines are divided into the following: Ban assurance Mutual Funds  [7] Corporate banking gives away the proper credit facilities and financial solutions to the individuals and the businesses. Services and products are provided accordingly keeping the needs under consideration. Bank believes to provide highest quality services to its customers. A team of client-customer relationship helps to keep a watch over the objectives. The bond with the customers is very strong and every challenge is accepted. Every corporate customer is assigned with a relationship team. Through this team the corporate customer can access the areas of JS group. Through this dedicated relationship team, customers can also access all areas of the JS Group, enabling them to benefit from a comprehensive package of banking/investment solutions. Areas of expertise include Treasury, Asset Management, Corporate Finance, Brokerage Services as well as Islamic Banking for shariah-compliant banking services. If theres a way to satisfy our customers, well find it. If theres not, well do our best to invent one  [8] Vision To provide quality and innovative range of banking services and products to our customers by a highly motivated team of professionals whilst maintaining high ethical and regulatory standards thereby, generating sustainable returns to our shareholders.  [9] Mission To be a preferred partner of our customers by providing complete financial solutions exceeding service expectations, though a single relationship via conventional and non conventional, conveniently accessible distribution channels  [10] Business activities JSCL makes investments in the growing companies of Pakistan. Its investments cover sectors like Islamic banking, asset management, insurance and security brokerage. Jahangir Siddiqui Co. Ltd. (JSCL) was incorporated under the Companies Ordinance, 1984 on May 04, 1991 as a public unquoted company. JSCL is primarily an investment company in financial services and also makes long term investments in growing companies in Pakistan. In financial services, its investments cover all sectors including commercial banking, Islamic banking, asset management, securities brokerage and insurance. JSCL also benefits from strategic long term investments including technology and media sector companies, transport and communications companies and other industrial sector companies. Other activities of the company are trading of securities, consultancy services, underwriting etc  [11] Products and Services In the investment banking sunshade, our range of activities include corporate debt origination and syndication, underwriting, coordinating as bankers to the issue, and facilitating trusteeship and agency services. Corporate Finance Advisory The Investment Banking Group provides a comprehensive range of Corporate Finance Advisory services in the Debt Capital Markets, including Mergers and Acquisitions and Project Finance Advisory. We provide independent capital markets recommendations and financial valuation and due diligence advice, or as an integral part of managing a comprehensive Advisory and Arrangement transaction. Arrangement and Placement of Securities The Investment Banking Groups distribution team is one of the markets leading corporate debt arrangers through a variety of structured and vanilla Term Finance Certificates as well as Shariah-compliant product offerings. Our solutions-oriented approach, excellent pricing, and unmatched distribution capabilities continue to mak e us one of the leading TFC arrangers in the local market, both by volume and value.Trust and Security Services A dedicated team manages and monitors various aspects of trust and security services, including acting in the capacity of a trustee or/and an agent to various corporate debt offerings and playing an active role in structuring and maintaining special purpose accounts. Underwriting We have substantial underwriting appetite for handling large capital market issues, both at Private Placement (Pre-IPO) and Initial Public Offer (IPO) stages. Till date, we have underwritten majority of the issues brought to the local markets of Pakistan. Bankers to the issue We act as Bankers to the Issue for IPO transactions, in both equity as well as debt capital markets. Despite a limited, albeit a rapidly growing, network of branches, this is a substantial business for JS Bank through a pro-active initiative in actively marketing Public Offers.  [12] Literature review Vaughan Yeager (2007) has discussed that in the Do federal home loan bank membership and advances increase bank risk taking in past few years, FHL Bank has supported the commercial banks to remove the gap between core deposit growth and loan growth in order to increase the premiums sufficiently. From 1992 to 2005 if we check the balance sheet data and the quarterly income we conclude the effect between the increased rank on the bank risk and loan bank membership. The member banks evidently exhibit risked liquidity profiles and leverages and the risk increases by dependence on advances. Member banks have no significant difference in overall risk. The high charter values of the commercial banks have been under risk around early 1990s. Charter values can quickly deteriorate in an extremely competitive environment of banking. Higher charter values in commercial banks keep a check on risk taking. Supervisors should always stay careful, while in an environment of low charter values. Onl y a careful monitoring by federal supervisors can prevent certain moral hazards, associated with funding of FHL Bank. With the increase in the bank risk and decline of the capital ratios the excess to the advantage is definitely curtailed. The FDIC should impose a fine capital charge on banks that have a larger quantity of the collateralized obligations.  [13] Limi (2003) has discussed banking sector reform in Pakistan economic scale and scope considering financial depth to be the most important factor for the stable economic growth, banking sector adds more to it at the early stage, so it should be liberalized. In the developing economies there are different public and financial institutions which also play an important role in economy. The paper focuses on the promotion of the banking sector, reconstruction through expansion of the individual bank level. In Pakistan both economies are present in banking industry, but for larger banks like MCB scale economy is reducing. One of our major burdens for banking industry in Pakistan is non performing loans. Although state owned banks are private banks differ in their technologies and objectives. By expanding their MOR gage and the services the total cost could be reduced of the private sectors. These banks are efficient of all. While the state owned banks (NCB) have the lower efficiency. There is a need to encourage the financial institutions of medium sizes. Larger banks should focus to gain the cost saving advent by diversification of business. Foreign banks and domestic banks should focus on expanding their operational sizes. Besides the negative profits foreign banks should clear the high average cost as having a branch is of more advantage in Pakistan in their whole global strategy because both the sectors i.e. state owned and private have different technologies, so they have different benefits. State owned banks on the average are out performed by private banks. So the technical efficiencies of these ban ks should be improved through sufficient measures.  [14] Basher discussed that in impact of small industries in Pakistan the importance of small industries could not be denied. It not only is beneficial for the growth of GDP of a country or for providing a number of job opportunities but also to prevent the migration of people from rural to urban regions. In the past these small industries were completely ignored. Even banks and other financing institutes helped the large-scale enterprises. So the small industries did development on their own. Though they had old machinery and unskilled workers but they tried to manage with these resources. Government really needs to pay attention towards them as they could improve the GDP of the country by producing export quality products, by producing raw materials for the large industries, utilizing their wastes even and by providing employment opportunities.  [15] Ahemed discussed that in efficiency analysis of commercial banks in Pak istan Commercial banks have an important role in developing countries like Pakistan. Their performance could be found by its efficiency measurement. Data envelopment is used for this purpose with two approaches that is CRS and VRS. Inputs and outputs of these banks could be found by intermediate approach. To bit model is also helpful. The efficiency could be defined as producing the output with the minimum input. These banks should consider in increasing their assets with decrease in their liabilities to get their higher efficiency. Moreover commercial banks which are state owned should not be privatized. Inputs of the banks are the number of its employs and operating fixed assets while outputs are investments and lending to the financial institutions.  [16] Angadi (2012) discussed that in banks advances to priority sector In Pakistan as their few financial assets the monitory policies designed for developed countries will have a very little success in Pakistan. Monitory polici es should be made for increasing efficiency; however the policies already followed are weak enough and insufficient in reaching goals. The main burden for maintain the price, stability by increasing export rates and saving is because of policies of exchange rate so a strong monitory policy has to be followed in Pakistan.  [17] Iimi (1990) discussed that in efficiency in the Pakistani banking industry the most inefficient sector is the banking industry in Pakistan. The government although has taken steps for reconstructing. The main target is the improvement of efficiency. Employs are the basic assets related to the productivity in banks, but all are suffering from over branching. So because of over staffing, banking industry is in a loss. Technical efficiency should be well trained. Recruitment should be done on the basis of experience. Pakistani banks as compared to the average level of the international efficiency will be working inefficiently thus the government has to conti nue the reconstructing.  [18] Gul, irshad zaman (2009) discussed that in factor affecting bank profitability in Pakistan this study is all about investigation of certain characteristics of bank and their input together with the effect of macroeconomic indicators on bank profitability. Banks with more capital and macro factors like economic growth and total assets have more safety and advantage which takes them to higher profitability. According to 1st hypothesis profitability is associated with microeconomic factors. While hypothesis number two says external factors have more impact on profitability both hypothesis are expected.  [19] Rashid discussed that in economic causes of political crises in Pakistan Bonaparte tried to appear as one of the patriarchal benefactor of all most all the classes. But he could not give one class besides taking from other classes. He wanted to turn labor of France to an obligation to himself. Same in Pakistan in last 3 decades conflicts amo ng certain powerful classes and contradictions could be seen. In Bhuttos rule conflicts in landowning and that of businessman industrialist class became critical. It could be seen in the present time as well. This was also found in the state of bonapratist in which state machinery also should conflicts by getting against other classes and trying to get the hold.  [20] Tuccillo, Flick ranville (2005) discussed that in the impact of advances on federal home loan bank portfolio lending Impact of the FHL bank system on the lending activities of the member institutions have been investigated in this paper. More use of advances by a member shows a high level of housing and development loans in that members portfolio, as compared to the corresponding institutions portfolio. By looking on the assets holding of the different examination patterns could be examined. The reason of these investment patterns could be determine by regression analysis. The advances could relate positively to construction, land development, agriculture and also small business loans. FHL banking system advances have provided a very strong post of the activity of its members that are obviously beneficial not only to the communities in which these institutions are doing this business.  [21] Akhtar (2006) discussed in analysis of Pakistani commercial banks the efficiency of banks in Pakistan is comparatively lower than the scores of banks present in regions like India. This paper through DEA tries to focus on assessment of efficiency in commercial banks across whole Pakistan. The comparative environment in banking industry, increasing interest rates and higher administrative rates make local banks to be efficient than the ones from abroad. In this study some managerial implications have been like improvements of efficiency level by utilization of labor and capital is an effective manner. Proper use of technology is required. Methods to maximize returns and to minimize the risks have to be used. Restructuring and branch closures should be used. A global prospective has to be adopted by local banks. The difference in the local and foreign banks could be studied by productivity growth analysis.  [22] Vaughan, Yeager stojanovic (1990) discussed that in article is the federal home loan bank system good for bank to fill the gap between core deposit growth and loan growth commercial banks have always relied on FHL banks advances. This however can undermine the market discipline. In this study the effect of the home loan bank (HLB) could be assessed on the bank risk. Similarly relationship present between the risk and advances among the number banks was also examined. The member banks do not exhibit a significant change in the overall risk and also have sensitivity of lower interest rate. There is a need for supervisors to remain careful in a high charter value environment, while in the opposite only a careful watch by a supervisor can prevent the moral hazards rela ted to funding of home loan bank.  [23] Choe (2006), has discussed that the political economy of SME financing and Japan regional bank problem in the face of analysis regional banking sector are the main focused area. Regional banking sector has the major problem of nonperforming loans against SME sector. Political intervening against sme sector was the major issue. Government helped sme sector to getting loan from banks. Government policies to get loan was easy thats why poor sme sector get loan and in result of nonperforming loans rise. According to his research government should help sme sector but without the regional banks that is not favor in banking sector. If government involve sme sector to get loan from bank with easy financing without any guarantee banks non performing loan will increase. If the same situation in any bank so should be open their branches to other region.  [24] Fidrmuc Hainz (2008) has discussed default rates in the loan market for small and med ium enterprises sme sector are playing import role to increase default rates he took the data in the year of 2000 to 2005 because in that time period there is no high interest rate and growth of loan was moderate. He said during that time only few percent of the sme sector default on their loans. But the level of default in other countries was lower than the Slovakia he said in that type of situation only macroeconomic policies would be apply. According to his research business of natural person are much better than the legal entities.  [25] Berger Udll (2006) in his research discussed that complete conceptual framework for sme finance they said in their article lending are the linkage between governments planning and sme credit policy. They said government policies helped in large sme sector verses small foreign, local and state, private. And one of the major parts of research was how lend the money to sme sector and that helped in credit availability with the help of differe nt technologies. And on other part which proves what is the effect on profit by using these types of government policies.  [26] Hassan (2012), discussed that on SME lending long term commitment toward the development industry said that in any country development and decrees unemployment SME plays vital role. Due to increase in sme sector unemployed people getting benefit of it and sme sector promote only by the better policies of lending and taxation department also play a role in that. Conclude that article in that way only sme sector improve country local problems and unemployment.  [27] Afrin,(2012) discussed in their paper standard charted bank is the reputable bank and working in Bangladesh also she said if we blame our banks they dont play a better role. In Bangladesh we see that there is high growth in GDP increase in trade they gave opportunity to unemployed person and in Bangladesh they improve their living standard. In Bangladesh there is most profitable business in banking sector SME getting loan from bank she said failure of state that doesnt mean banks are the responsible for such type of failure.  [28] Aftab khan (1999), author of this article discussed that potential role of SME sector in Pakistan and increasing trade they discussed very challenging problem in Pakistan that the sme sector are private and they dont know how to improve their polices and to get better profit in return. SME sector they think that there is same policy in all over the world and the policies remain same in long term. Small and medium enterprises play an important role in Pakistan by last 3 decade but they have the problem company director or any on higher management they are not educated and they dont know which factor change by time to time. They said sme sector they are doing better for economy of Pakistan but they should have better plan. They discussed SME sector support should be in group form they would get better benefit of it.  [29] Tango, Nyarko, Anuwa-Amarb (2005) in that article they discussed that financial challenges facing urban SME financial sector liberalization in Ghana they discussed financial sector liberalization impact on sme and sme sector they improve in the lending and improvement in collateral against loan.sme loan improve in Ghana and thats way improvement in macro and micro economic factor. In other hand government improve in investment fund.  [30] Thorsten, Asil, Maria (2008) they discussed in that article banking and small and medium enterprises around the world they compare large sector verses SME and their financing. They found that almost all sme sector funded by banks and they doing well in their business and large sector also get service from bank the difference they found was banks have different planning for SME and large sector for funding. But there is not large difference for funding on SME and large enterprises. Large firms getting finance and services with their requirements but the important point they discuss difference only in a way of developed countries and developing countries. Ishrat (2005), she discussed in conference for SME financing their issues and strategies to resolve these problems she discussed how sme getting benefit with loans and stronger the economic condition of Pakistan she said state bank play an important role for lending in sme sector banks. She said government policies and state bank both take care of SME to promote in country. Government help in to providing land electricity and the better line for trade and more focus on industrial projects both provincial and federal government helps to promote the idea of small business. She said SMEDA is doing good in the market but in some way they improve their performance they help in to train people in small business organize seminars etc . She said SME bank which was doing well but SME bank not performs alone in their task government should support in that. And she said for banks they should establish their banks in every city even small cities of the country. There are some leasing companies working in Pakistan they should improve their services and promote their program. In last she said there wider network in Pakistan for training institute they should improve their services she said unemployment and poverty is major problem in over economy and that problem terminate only in improving of SME sector. Khawaja (2003), in his article he discussed unleashing the potential of the sme sector with a focus on productivity improvements off all he give an overview of sme sector of Pakistan there problem growth and discussed why sme sector involve in potential growth of employment economy stabilize and poverty reduction. He explain sme sector and larger sector and there growth rate in 1970 to 1990 he said growth rate was improving but not fulfill the country need. Sme plays an important role in to stabilize the economy of Pakistan. He said high growth rate in larger s cale but not in sme. He prove that sme sector not fulfill the requirement of the country thats way Pakistan lies in that box where unemployment and trade balance in negative. In other hand he explain how government policies effective in promoting SME. He said government should improve their strategies against sme.  [31] FINANCIAL ANALYSIS OF JS BANK Bank have experienced a growth in its total assets mainly due to government securities but the finances have not shown such a good performances which bank needs to focus at. Capital gains F. GROWTH 2011 2010 2009 1. Total Assets 12.42% 19.48% -80.92% 2. Gross Finances -16.65% 9.58% -86.31% 3. Impaired Lending 64% 122% -0.64% 4. Investments 62.19% 59.84% -85.72% 5. Customer Deposits 28.98% 23.28% -85.24% 6. Equity 4.13% 3.54% -43.59% 32 The total assets of the JS bank have shown a significant increase during the year 2011 but this increase in the total assets is critical due to the fact that there is a decrease in the loans and advances given to the customers but there is a massive increase in the government securities which means due to the poor economic conditions prevailing in the country the demand for the credit have been shrunken down. Performance of JS Bank: The performances of JS bank in terms of ROA and ROE have shown an improvement. The bank have incurred heavy losses in the last two years of 09 and 2010 which affected the bank equity base negatively but the situation improved in 2011. The revenue of the bank from its core business of loans have been decreased due to the low credit demand and higher investments in the government treasury bills while the investment portfolio is also deteriorating which reflects poor asset quality of the bank. The bank has not invested wisely in the stocks as the gain on sale of investment has been decreased over the years. Currently, the bank is not having any liquidity issue because it has enough resources to cover its liquidity in the form of securities and cash and bank balance but at the same time the bank is losing out as the demand deposits is expense free but the bank the bank is not having enough of them. The bank is also losing out the opportunity of having profits on these idle resources . Going forward the bank can increase its demand deposits as the network of branches are increasing. During the year 2011 the bank has increased its financial performance due to the increase in the volume of the business and massive government borrowing from the commercial banks. But at the same time the bank have been affected badly by the bearish stock market of Pakistan during this period. The bank intends to increase its revenues by diversifying its cliental by focusing on dealership business, remittances and by reaching out the unreached sectors and markets as the increasing branch network would be helpful in this.  [33] Risk: JS bank risk management is very active in adopting all the practices of risk associated with banking activities which resulted into effective risk management framework which contributes mobilization and provision of banking capital. Bank risk policies are well familiar with widespread guidelines covering the credit evaluation and monitoring. Bank risk management activities are present at every level through a proper structure of policies approved by Board of Directors. Risk management committee comprises of two divisions BRMC and Audit Committee. These committees have authority to examine have check and balance on overall risk portfolio of the bank. Bank risk management is structures in this way that they not only follow the prudential regulations but also they have a compliance with the strategic goal. Asset liability committee and integrated risk management committee are operating within the established structure of banks in order to maintain and monitor the bank activities cover the weak areas and maintain the risk which is associated with every level of activity in the bank. This committee operates on a regular basis to review the market development and financial risk allied with the bank. The KIBOR plus a spread is used by the bank for the different type of load to the corporate and commercial clients while the consumer finance enables the bank to charge a relatively a higher ratio. Operational risk: The management of the bank is maintaining an adequate system of internal controls. The management has developed the control evaluation charts these policies are approved by the senior management and forwarded to the board of directors. The bank internal audit department reviews the activities and exchange them with board of directors. In 2010 JS Bank utilized Temenos T24 as its core software. Meanwhile the bank acquired the risk module but it was implemented in 2011 which further give strength to overall the risk management and internal control system of the bank to prevent any operational failure. This software also helps in the online expansion of branches of bank making it more efficient. Credit risk: The finances are around 28.68% decreased from 43.43% form 2009. The advance portfolio constitute of the textile being the highest followed by the chemical and pharmaceutical. The energy crisis has badly affected the textile sector which causes the generation of NPL from this sector. The NPLs is being devastating for the bank as the NPL as a percentage of total finances are 34% which is very alarming situation for the bank. This means beside the extensive credit and risk management framework, credit policies of the bank are failing so the credit risk of the bank is increasing. Market Risk: Market risk originates from the fluctuations in the price of securities which is a function of volatility in interest rates. Value of investments in government securities may decline or rise over given period of time because of economy changes or other events that constitute major portion of market. JS bank have very efficient trend in their investment there investment was increasing till 2011in both equity as well as in government securities. If risk is high, market conditions are not suitable and gain on sale on investment of that security is low so it can be minimized by proper Asset Allocation and diversifying which will be good for bank in every prospectus. Asset Liability Management: The investment in the government securities benefited the asset liability of the bank. A large chunk of the asset comes from the trade financing which is usually short term. The bank asset liability committee continuously monitors the position of the asset liability structure of the bank. Investment in government securities with massive amount has benefited banks Asset/Liability management because of efficient market external conditions. Funding: The main source of funding is the customer deposits which constitutes time, saving and demand deposits with almost the same percentage. The bank is also having sufficiently good amount of equity due to the issuance of the share capital. Main source of funds in JS bank was customer deposits which was 28.98% in 2011 as compared to 23.27% in 2010. It depicts the relationship maintained by bank with its customers. Bank real strength for source of funding and maintain liquidity reserve and short term lending and borrowing are done by customer deposits. This increase can be raised more by providing efficient high tech services. Increase in number of branched will help them in attracting new deposits for funding and capital needs. Capital: The banks equity to total asset has been decreased in the recent years mainly due to the provisions of the NPLs. The capital adequacy ratio has maintained and it increased due to maintenance of the tier 2 capital of the bank. Going forward the CAR is going to provide the cushion for the risk of the bank in the future. 34 RATIO ANALYSIS 2011 2010 2009 A. PERFORMANCE 1. ROE 5.29% -7.00% -10.58% 2. ROA 0.72% -1.03% -1.81% 3. Pre-Provisions Operating Profit / Avg. Equity 3.57% -8.49% -8.67% 4. Pre-Provisions Operating Profit / Avg. Assets 0.51% -1.34% -0.64% 5. Personnel Expenses-to-Total Net Revenue 91.18% 134.43% 163.89% 6. Cost-to-Total Net Revenue 91.65% 135.67% 164.02% 7. Other Operating Income / Total Net Revenue 22.31% 23.95% 31.93% 8. Taxes / Pre-Tax Profit 22.45% -34.55% -58.94% 9. Net Non-Earning Assets / Assets net of Non-Interest Liabilities 18.13% 14.97% 11.58% B. CAPITAL ADEQUACY 1. Equity / Total Assets 13.64% 14.78% 17.09% 2. Adjusted Equity (including revaluation impact) / Total Assets 13.72% 14.82% 17.19% 3. Revaluation Surplus/ (Deficit) / Adjusted Equity 0.60% 0.29% 0.57% 4. Capital Adequacy Ratio as per SBP 23.75 17.64% 23.99% C. LIQUIDITY 1. Liquid Assets / Deposits and Borrowings 64.69% 53.20% 50.75% 2. Finances / Deposits and Borrowings 34.56% 48.09% 52.96% 3. Finances / Deposits 37.61% 58.20% 65.48% 4. Demand Deposits / Total Deposits 31.85% 35.97% 30.47% 5. Export Refinance / Advances 30.02% 40.63% 37.02% 6. Finances (net of Export Refinance) / Deposits 28.80% 38.72% 45.84% 7. Government Securities / Total Assets 38.79% 27.53% 19.98% 8. Finances / Total Assets 28.68% 38.83% 42.43% 9. Lending to financial Institutions/Borrowing from Fis (net ERF) 366.8054 901.44% 3.78656 D. LOAN LOSS COVERAGE 1. IMPAIIRED Lending / Gross Finances 24.42% 12.44% 6.14% 2. Loan Loss Provisions / Impaired Lending -16.31% -27.72% -55.72% 3. Net Impaired Lending / Equity 42.98% 23.62% 6.75% 4. Net Impaired Lending / Adjusted Equity 42.72% 23.55% 6.71% E. INTERMEDIATION EFFICIENCY 1. NIMR (Net Interest / Mark-up Revenue) / Avg. Assets 4.12% 2.89% 0.69% 2. Assets Yield [Interest Earned/ Average(Earning Assets-Equity Investments)] 13.22% 15.71% 9.88% 3. Cost of Funds [Interest Expensed / Average (Deposits + Borrowings)] 7.16% 10.34% 1.97% 4. Spread 6.06% 5.37% 7.90% F. GROWTH 1. Total Assets 12.84% 19.73% -81.45% 2. Gross Finances -16.65% 9.58% -86.31% 3. Impaired Lending 64% 122% -0.64% 4. Investments 62.19% 59.84% -85.72% 5. Customer Deposits 28.98% 23.28% -85.24% 6. Equity 4.13% 3.54% -43.59% G. OTHERS 1. No. of Branches 147 126 101 2. Staff Strength 1473 1,255 1,200 35 Graphs ROE 36 By measuring how much earning a company can generate from assets, ROE offers a measure of generating efficiency. This ratio helps investors to determine whether a company is able to generate profits from investing their equity or not. In JS bank we can see form the graph that Return on equity was negative in 2009 and 2010 as they were getting no return by investing their equity in their business. But in 2011 the return was getting positive as they were able to handle their transactions and it was a result of devising their policies and regulations. ROE offers a useful signal of financial success since it might indicate whether the company is growing profits without pouring new equity capital into the business. ROA 37 ROA is a ratio which is a indicator of how a profitable company is relative to its total assets. This ratio gives the company idea as to how efficient management is at using its assets to generate earnings. In JS bank ROA trend is similar to ROE it was also negative in 2009 and 2010 but it heavily grows in 2011 which was a very good situation for the bank as they tried to get maximum return out of their assets. Thus highest value of assets shows that business is more profitable. This ratio should be only used to compare firms operating in the same industry. Total Net Revenue 38 Total revenue is income that a company receives from its normal business activities usually in the bank case these are the interest rate incomes, fees, commissions and charges. Total net revenue of JS bank consistently increased in the following years as we can see form the trend that in 2009 net revenue of JS bank was around 90 billion it increased to 130 in 2010 and it further increased to 160 in 2011. As JS bank was new in the industry and have a very high competition they still have the potential for growth as they showed up in the recent years. Liquidity/Deposits 39 JS bank was able to maintain their liquidity in terms of their deposits. This graph is showing that JS bank has no any liquidity issue right now and in 2011 they have excess liquidity which is good for the JS bank. Loan Loss Coverage 40 JS bank was able to cover their loan loses throughout form 2009 to 2011. Loan losses which occurred from default credit payments of the borrowers or the contingent liabilities of the banks. JS were having enough cushions to support up their losses. External, internal environment analysis SWOT ANALYSIS Strengths: Group Banking Service level Innovative services Client Retention Transaction Quality Employee Satisfaction Products Range Growing Branch Network Visa Debit Card Weaknesses: Branches ATM Services IT Sector Lending Portfolio Transaction Quality House Financing NPLs Lower deposit rates Non-financial risks Centralized procedures making process slow Opportunities: Islamic Banking Product Development Consumer Finance Growing Consumer Liability Advertisement Growing awareness House financing sector Foreign institutional support Growing asset base Growing Investments Secure Investments Growing Banking operations Growing customer loyalty Worldwide trend Threats: Basel III Poor Economic Condition Non-Performing Loan Government Policies Bank Failure Lack of Islamic Courts Lack of professionals Risk Management No transparency for customers Micro financial crisis High interest rate from SBP Long term investments INTERNAL FACTOR ANALYSIS STRENGHTS Weights Rating Score Group Banking 0.15 4 0.6 Services Level 0.1 2 0.2 Innovative Services 0.15 4 0.6 Client Retention 0.05 3 0.15 Transaction Quality 0.05 4 0.2 WEAKNESSES Branches 0.15 2 0.3 ATM Services 0.05 2 0.1 IT Sector 0.15 3 0.45 Lending Portfolio 0.10 4 0.4 Culture 0.05 3 0.15 Total 1 3.15 EXTERNAL FACTOR ANALYSIS OPPORTUNITIES Weights Rating Score Islamic Banking 0.2 3 0.6 Product Development 0.1 3 0.3 Consumer Finance 0.05 4 0.2 Growing Consumer Loyalty 0.15 3 0.45 Advertisement 0.10 2 0.2 THREATS Basel III 0.05 4 0.2 Poor Economic Condition 0.15 3 0.45 Non-Performing Loan 0.05 2 0.1 Government Policies 0.1 2 0.2 Bank Failure 0.05 3 0.15 Total 1 2.85 INTERNAL FACTOR ANALYSIS The biggest strength of JS bank is the group backing of the JS group to the Bank. The bank services level is satisfactory according to the customer survey conducted. While it has good client retention and the transaction quality is good while the bank is seriously need to give attention to its lending portfolio due to the occurrence of the NPLs although the NPLs have decreased and advances of the bank are decreasing but still they are eroding the profits of the bank. The bank ATM service is satisfactory and it still needs to increase the number of branches and number of ATM to gain competitive share. EXTERNAL FACTOR ANALYSIS The bank has a very big opportunity for capturing the Islamic Bank niche because the trend of Islamic banking and finance is an emerging and growing trend in Pakistan. The bank is not heavily advertising but it could have media advertising because the JS group owns a complete Media group which could help in the promotions. The JS bank should focus on product development more as it does not have diversified products in retail banking as compared to the competitors. Basel 3 is going to implemented on the banking industry in Pakistan hence JS have to meet its standards. The NPLs is indeed a threat because in Pakistan the rate of NPLs is very high. Country is passing through poor economic conditions these days hence it is affecting negatively the banking business. Competitors analysis JS bank Competitors analysis with two other banks Bank Al Habib and KASB bank in this comparison ratio analysis of both banks and get a result what is position of js bank in the market. ROE ROE of JS bank is lower as compare to its competitors ROE for the bank was 5.29% in 2011 showing an increasing trend from -10.58% in 2009. Bank Al HABIB also showed positive trend with 24.33% ROE in 2011 from 23.25% in 2009. KASB bank showed fluctuation trend declining to -85.59% in 2010 from -160.58% of 2009 and last year gained back the progressive trend to -0.10%.in Js bank has decline however it is better according to competitors major reason behind ROE is declining banking spread  [41] ROA ROA of JS bank is lower as compare to its competitors ROA for the bank was 0.72% in 2011 showing an increasing trend from -1.81% in 2009. Bank AL HABIB showed negative trend with 1.14% in 2011 from 1.00% in 2009. KASB bank showed fluctuation trend progressing to -4.69% in 2010 from -5.69% of 2009 and last gain back the progressive trend to -0.02%.JS bank has increase its asset however this is majorely due to increase in investment in government securities  [42] Liquidity Liquid asset/ deposit and borrowings Liquid asset/deposit and borrowings of JS bank is lower as compare to its competitors Liquid asset/deposit and borrowings for the bank was 64.69% in 2011 showing an increasing trend from 50.75% in 2009. Bank AL HABIB showed positive trend with 70.74% in 2011 from 57.19% in 2009. KASB bank Showed fluctuation trend progressing in 73.66% in 2010 from 71.53% of 2009 and last gain back the progressive trend to 85.55% as seen from the last ratio increase in liquid asset that is government securities i.e resulted in improve liquidity position.  [43] Finance deposit and borrowings Finance deposit and borrowings of JS bank is lower to its competitors finance deposit and borrowings for the bank were 34.56% in 2011 showing a decreasing trend from 52.96% in 2009. Bank AL HABIB shows negative trend with 36.33% in 2011from 51.09% 2009. KASB bank showed fluctuation trend progressing in 60.65% in 2010 from 51.56% and last gain back with 60.86% Finance Deposit Finance and deposit of JS bank is lower to its competitors finance deposit bank were 37.61% in 2011 showing a decreasing trend from 65.48% in 2009. Bank Al HABIB shows negative trend with 39.84% in 2011from 61.44% in 2009. KASB bank showed fluctuation trend progressing trend in trend progressing in 68.69% in 2010 from 58.29% and last gain back with 72.23% in 2011. Demand Deposit/ Total deposit Demand Deposit/ Total deposit of js bank is higher as compare to its competitors Demand Deposit/ Total deposit for the bank was 31.85% in 2011 showing a decreasing trend from 30.47 % in 2009. Bank Al HABIB also showed negative trend with 38.08% in 2011 from 43.84% in 2009. KASB showed fluctuating trend declining to 18.80% in 2010 from 18% of 2009 and last year it gained back the progressive trend to 18.85%. Export refinance/ Advances Export refinance/ Advances of JS bank is higher as compare to its competitors export refinance/ advances for the bank was 30.02% in 2011 showing a decreasing trend from 37.02% in 2009. Bank Al HABIB also showed negative trend with 17.03% in 2011 from 31.42 % in 2009. KASB showed fluctuating trend declining to 13.09% in 2010. From 14.91% of 2009 and last year it gained back the progressive trend to13.92%. Finance (net export of refinance) /Deposit Finance (net export of refinance) /Deposit of JS bank is lower as compare to its competitors for the bank was 28.08% in 2011 showing an increasing trend from 45.84% in 2009. Bank Al HABIB also showed negative trend with 33.51% in 2011 from 43.79% in 2009. KASB showed fluctuating trend declining to 59.70% in 2010. From 49.60% of 2009 and last year it gained back the progressive trend to 49.60%.finance of JS bank has increase however this increase as measured as proportion of deposit otherwise investment has increased by a greater pace. Government securities/ Total Asset Government securities/ Total Asset of JS bank is higher as compare to its competitors roe for the bank was 38.79% in 2011 showing a increasing trend from 19.98 % in 2009. Bank Al HABIB showed positive trend with 52.88% in 2011 from 39.50% in 2009. KASB showed fluctuating trend declining to 10.74% in 2010. From 17.83% of 2009 and last year it gained back the progressive trend to 12.38%.this ratio justify over explanation that js bank as shifted its business to non core activities that are investment. Finances/ total Asset Finances/ total Assets of JS bank is lower as compare to its competitors for the bank was 28.68% in 2011 showing decreasing trend from 42.43 % in 2009. Bank Al HABIB also showed negative trend with 33.29% in 2011 from 46.55% in 2009. KASB showed fluctuating trend declining to 56.33% in 2010. From 47.64% of 2009 and last year it loss back the regressive trend to 53.54%. Lending to financial institution/ borrowing Lending to financial institution/ borrowing of JS bank is higher as compare to its competitors roe for the bank was 366% in 2011 showing an increasing trend from 378 % in 2009. Bank Al HABIB also showed positive trend with 19.9% in 2011 from 14.98% in 2009. KASB showed fluctuating trend declining to 2.02% in 2010. From 61.26% of 2009 and last year it gained back the progressive trend to 61.26%. Growth Total Asset Total Asset of JS bank is lower as compare to its competitors total asset for the bank was 12.84% in 2011 showing decreasing trend from 8.24 % in 2009. Bank Al HABIB also showed negative trend with 15.17% 2011 from 40.88% in 2009. KASB showed fluctuating trend declining to -59.36% in 2010. From 27.76% of 2009 and last year it loses back the regressive trend to -99.9%. Gross financing Gross financing of js bank is lower as compare to its competitors for the bank was -16.65% in 2011 showing a decreasing trend from -86.53 % in 2009. Bank Al HABIB also showed negative trend with -15.45% in 2011 from 14.06% in 2009.KASB showed fluctuating trend declining to 3.49% in 2010. From -4.93% of 2009 and last year it loses back the regressive trend to -99.90%. Impaired lending Impaired lending of JS bank is higher as compare to its competitors for the bank was 64% in 2011 showing an increasing trend from -0.64 % in 2009. Bank Al HABIB showed negative trend with 8% in 2011 from 91% in 2009. KASB bank showed fluctuating trend declining to 5.41% in 2010. From 8.22% of 2009 and last year it loses back the regressive trend to -99.89%. Investment Investment of js bank is higher as compare to its competitors roe for the bank was 62.19% in 2011 showing an increasing trend from -85.72 % in 2009. Bank Al HABIB also showed positive trend with 52.19% in 2011 from 29% in 2009.KASB bank showed fluctuating trend declining to 5.14% in 2010. From 1.3% of 2009 and last year it gained back the progressive trend to 11.9%. Equity Equity of JS bank is lower as compare to its competitors roe for the bank was 4.13% in 2011 showing an increasing trend from -43.59 % in 2009. Bank Al HABIB showed negative trend with 10.45% ROE in 2011 from 23.27% in 2009.KASB bank showed fluctuating trend declining to -59.33% in 2010. From -46.2% of 2009 and last year it gained back the progressive trend to -1.32%. Spread Spread of JS bank is higher as compare to its competitors for the bank was 6.06% in 2011 showing an increasing trend from 7.90% in 2009. Bank Al HABIB also showed negative trend with 5.16% in 2011 from 3.18% in 2009.KASB bank showed fluctuating trend declining to 4.08% in 2010. From 3.94% of 2009 and last year it gained back the progressive trend to 5.9%.spread is decreasing because of increase in competition and survival of small banks Net impaired lendings equity Net impaired lending of JS bank is lower as compare to its competitors roe for the bank was 42.98% in 2011 showing an increasing trend from 6.75 % in 2009. Bank Al HABIB also showed positive trend with -11.34% in 2011 from -2.06% in 2009.KASB bank showed fluctuating trend declining to 23.1% in 2010. From 12.89% of 2009 and last year it gained back the progressive trend to 29.9%. Nonperforming loans are increasing due to asset quality of JS bank. Js bank should focus on improvement of asset quality via imposing 6cs (collateral, cash, characters, credit worthiness) of lendings. STRUCTURE OF THE ORGANIZATION Board of Directors Chairman Mr. Jahangir Siddiqui Mr. Mazharul Haq Siddiqui Mr. Maqbool A. Soomro Mr. Ashraf Nawabi Mr. Rafique R. Bhimjee Mr. Shahab Anwar Khawaja Mr. Basir Shamsie President Chief Executive Officer Mr. Kalim-ur-Rahman Audit Committee Chairman Mr. Jahangir Siddiqui Member Mr. Maqbool A. Soomro Member Mr. Rafique R. Bhimjee Company Secretary Mr. Muhammad Yousuf Amanullah Auditors M. Yousuf Adil Saleem Co. Chartered Accountants (Member firm of Deloitte Touche Tohmatsu) Legal Advisors Bawaney Partners Liaquat Merchant Associates Share Registrar Technology Trade (Pvt.) Limited 241-C, Block-2, P.E.C.H.S., Karachi Registered Office JS Bank Limited Shaheen Commercial Complex Dr. Ziauddin Ahmed Road P.O. Box 4847 Karachi-74200, Pakistan  [44] Research Question and Statement of Problem Area of Interest: SME BANKING The basic research design is for small and medium sector why these are not getting loan from banks Area of Research: SME FINANCING (SME LOANS) Research question: The research question is stated as: What are the factors causing SME Loans to decline as percentage of JS Banks total advances? Answer to this question will connect studying the strategies of competitors. This question will be answered by satisfying the following questions: Competitor Analysis Situation Analysis SME financing Current economic Situation of Pakistan Future prospects Strategy for SME using by the government of Pakistan Literature Review Tabulating and analyzing results Methodology Sample technique Sample frame required Size of sample needed Geographic area to which suited Relative cost Easy to explain to support workers Simple random sampling Accurate and easily access able Better with over a few hundred Concentrated if face to face content required otherwise does not matter High if large sample size or sampling frame not computerized Relatively difficult to explain 45 Simple random sampling involve you selecting the sample at random from sampling frame using either random number tables or a computer to do this Number each of the cases in your sampling frame with a unique number. The first case is numbered 0, second 1 and so on.. Select cases using random number until your actual size is reached Sample random sampling is the best used when you have an accurate and easily accessible sampling frame that list the entire population, preferably stored on computer. While you can often obtain these for employees within organization members of society are often not available for type of organization if your population cover large geographical area random selection means that selected cases are likely to disperse throughout the area.  [46] As quote above which use in methodology purpose the techniques select simple random sampling is accurate and easily approachable. Questionnaire filled in face to face and sample size was very large. Thats way questionnaire filled from thirty different type small and medium businesses. Questionnaires filled in sequence first second third and so on with using random numbering. Sample size: 30 Research type I have conducted qualitative research simple random sampling method as my thesis title suggests. It has the objective of what are the factors causing SME Loans to decline as percentage of JS Banks total advances. Data type It is primary data which gets to fill questionnaire from different small and medium firm and conducted some interview and analysis of financial statements year 2009 to 2011. I explored it for my purpose and the data I m using graphs to get my answer. Sources of data Data for financial statements has been taken from website of JS bank from 2009 to 2011. By taking an interview and fill questionnaire. Time frame Activity Start time End Time Research Proposal 27-07-12 24-08-12 Literature Review 24-08-12 15-09-12 Competitor Analysis 20-09-12 28-09-12 Questionnaire 04-10-12 14-10-12 Analysis of data collected 14-10-12 23-10-12 Fi

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