Maternal Depression Case Study - 1431 Words

Wojcicki et al. (2015) also focuses on a sample of low-income Latino mothers and children by examining the genetic impacts on Latino preschool children, who have been exposed to maternal depression. Utilizing genomic DNA samples from 108 four-year-old children and 92 five-year-old children and their mothers, Wojcicki et al. (2015) examines the telomere length within these children. Shorter telomere length has been linked to health conditions, such as cancer, diabetes, and obesity in adults, so determining early-life risk factors can improve the health trajectories of many children (Wojcicki et al., 2015). The purpose of the study is to determine the effects that exposure to maternal depression has on telomere length in children as well as†¦show more content†¦(2010) examines when maternal MDD has the greatest impact on child behavior. Bagner et al. (2010) focuses on the child’s first year of life, which is a sensitive period, in relation to the 175 participants, who w ere mothers from the Oregon Adolescent Depression Project. Bagner et al. (2010) hypothesized that mothers, who had MDD after giving birth rather than before, would have children, who were more likely to have behavioral and emotional issues due to the mother’s inability to help regulate her infant’s emotions and form a secure attachment. Additionally, Bagner et al. (2010) hypothesized that behavioral issues would be stronger among boys than girls in relation to their mother’s MDD, since previous research has shown more adverse effects on boys. The results indicate that maternal MDD during the sensitive period is significantly associated with higher child internalizing and total behavioral problems (Bagner et al., 2010). The results also suggest that there are no significant differences among the child’s gender and behavioral issues (Bagner et al., 2010). One important limitation to the study is that the children’s behaviors were also self-reported b y the mothers, which could have contributed to self-reporting biases. Besides developmental impacts in relation to emotional and behavioral issues when exposedShow MoreRelatedMaternal Depression And Its Impact On Infant Health1144 Words   |  5 Pages10/31/2016 Maternal Depression and its’ Impact on Infant Health â€Å"Maternal Depression† is a term that includes a range of depressive conditions, which impact mothers while pregnant and up to 12 months after delivery (NIHCM). Such depressive conditions include prenatal depression, postpartum depression and postpartum psychosis (NIHCM). In this paper, current literature that examines both prenatal depression and postpartum depression in relation to infant health will be reviewed. Prenatal depression includesRead MoreParental Psychology And Its Effects On Children s First Years Of Development1539 Words   |  7 Pagesapathetic and withdrawn, with height and head circumference significantly smaller than the norm. As many as half of growth faltering cases are liked with maladaptive infant-caregiver relationships (Koverola et al., 2005). In particular, post-natal maternal depression has been shown to have dramatic impacts on children s first years of development. Maternal depression can delay cognitive development. Infants of post-partum depressed mothers tend to be more likely to fail Piaget’s object permanenceRead MoreMaternal Depression : A Standard ( New York State Department Of Health1048 Words   |  5 PagesDespite widespread recognition of the problem of maternal depression and the potential benefits of screening, screening for maternal depression is not a standard (New York State Department Of Health, 2016). This policy brief was written for healthcare providers who treat expectant and new mothers with goals to improve the screening and to increase the number of women receiving appropriate treatment in our community. The recommendations address measures to improve early identification of the conditionRead MoreA Research Study On Quantitative Research1286 Words   |  6 Pages A Quantitative Research Study Overview Sheila E. Brooks Stanbridge College Introduction As we continue our discussion in comparing qualitative versus quantitative research, we now focus our attention on quantitative research. In my personal opinion, I feel that quantitative research is harder to understand but breaking the article into sections allows me to understand the basic concepts. This week we will examine and in discuss a quantitative research article. TheRead MoreDepression : A Psychological Mood Disorder Essay1720 Words   |  7 PagesDepression is a psychological mood disorder that is common in today’s world. The effect of depression affects the person’s ability to control their feelings and thoughts, resulting in their activities of daily living being negatively affected. For a person to be diagnosed with depression they must have had the symptoms present for 2 continuous weeks at minimum (Nimh.nih.gov, 2015). Correspondingly, depression in females and the symptoms thereof are different to that of men. From social pressuresRead MoreThe Trauma That Young Girls Experience When Faced With An Unplanned Pregnancy Essay1476 Words   |  6 Pagestrauma that young girls experience when faced with an unplanned pregnancy. Not only does pregnancy physically take a toll on a woman’s body, but also being pregnant under the age o f 19 with a shaken view of the future can significantly heighten depression, anxiety, and stress for the mother and the baby. This paper aims to highlight the effects of these types of trauma within pregnancy, the most effective forms of treatment, and the influences that these types of trauma would have on the pregnancyRead MoreMaternal Depression in Women and Its Effect on the Family1097 Words   |  4 PagesMaternal Depression Depression is a prevalent issue among women. Approximately 25% of women in will have a major depressive disorder at least once in their lifetime and 15% of the female population will experience post-partum depression. (Women and Mental Illness, 2003) With these numbers, it is obvious that maternal depression has profound effect on the Canadian family. Mother have the most influence in a childs life, since they generally more involved in raising the children then men are. InRead MoreThe Maternal Depression During Pregnancy Essay1120 Words   |  5 PagesMATERNAL DEPRESSION DURING PREGNANCY Sasha Safi 20122595 Notre Dame University PSL 310 Dr. Lara El Khatib January, 7, 2016 MATERNAL DEPRESSION DURING PREGNANCY When pregnant especially for the first time many women inform themselves on things they can do that are beneficial for the growth and development of their baby and things they should avoid or not do since it can be dangerous for their baby such as smokingRead MoreInbreeding Depression By Environment Interactions Essay1161 Words   |  5 PagesInbreeding Depression Inbreeding depression is a widely-studied topic in the fields of not only genetics, but as well as the fields of biology, ecology, etc. Directly speaking, inbreeding depression results in the loss or reduced expression of a trait due to the mating between two closely related organisms (Hartl 547). As of today, there are a plethora of studies and evidence that explain how and why inbreeding occurs within populations even though it is deleterious for the populations. However,Read MoreA Look Into Advanced Maternal Age Pregnancies1370 Words   |  6 Pages A Necessary Timeline? A Look into Advanced Maternal Age Pregnancies Krystie Johnson, SRN Unitek College â€Å"Children learn more from what you are than what you teach,† W.E.B DuBois. If this statement is true, then one could say that becoming pregnant and starting a family later in life would be beneficial to the growth of a child. A woman over 35 would have lived more, had more life experience, and in most cases, be a more mature, stable person. However, society and medical

1984 a Novel by George Orwell Essay example - 905 Words

In the novel 1984, by George Orwell, the thematic element of control is clearly portrayed through a variety of perspectives such as newspeak, telescreens, thoughtcrime, or in other words psychological, and physical manipulation. Firstly, telescreens play a very imperative role in 1984. The party use telescreens mainly for monitoring all members. Microphones are also hidden all across the city for an even better atmosphere of supervision. The party controls the telescreen by broadcasting propaganda about Oceania’s military victories, economic production figures, the nation anthem, and the Two Minute Hate Films. â€Å"Big Brother is Watching You† (3) is a slogan that is always shown or mentioned using telescreens. This itself is intimidating†¦show more content†¦They had no choice but to live in a state of fear, which was developed by the propaganda. The party controlled the information that the Oceanians were exposed to. By controlling every source of information, and rewriting all newspapers and histories, the memories of citizens became unreliable. This resulted in Oceanians believing what the party had to say. By controlling the present, the party had a way of manipulating the past to their benefit. The party doesn’t allow records of the past to be seen by anyone, therefore Oceanians have no choice but to believe the authority figure of Oceania; which is The Party and Big Brother. â€Å"If the party could thrust its hand into the past and say of this or that even, it never happened  ¬Ã‚ ¬Ã‚ ¬-– that, surely, was more terrifying than mere torture and death?† (37) They slowly changed the way people thought. By manipulating so many perspectives on the lives of Oceanians, it made it extremely difficult or even conceivable to not love Big Brother. The Party even had a say in people’s personal lives, such as relationships. People were forced to suppress their sexual desires and or affection for one another. Affection was always meant for Big Brother and The Party only. Relationships meant distractions and less of a passion for Big Brother. Therefore, by banning intimacy and feelings between individuals, it was more likely that all attention would go towardsShow MoreRelatedThe Novel 1984 By George Orwell1332 Words   |  6 PagesOF INHUMANITY. WHAT CORE ELEMENTS OF HUMANITY THAT NOVEL EXPLORES? George Orwell’s novel ‘1984’ shows the crucial need for love, independence, hope and freedom in the midst of inhumanity. Bob Dylan once said â€Å"No one is free, even the birds are chained to the sky (Dylan, n.d)†. In ‘1984’ Winston attempts to remain human whilst everyone he knows is doing otherwise. That is until he meets Julia, a young woman who surfaces desire and hope in him. Orwell shows the core elements of humanity such as independenceRead MoreThe Novel 1984 By George Orwell954 Words   |  4 PagesThe novel â€Å"1984† by George Orwell exemplifies the issues of a government with overwhelming control of the people. This government controls the reality of all of their citizens by rewriting the past, instilling fear, and through manipulation. This is an astounding story because of the realistic qualities that are present throughout the text about an extreme regulatory government and its effects. This society is overwhelming con sumed with the constructed reality that was taught to them by Big BrotherRead MoreThe Novel, 1984, By George Orwell923 Words   |  4 PagesGeorge Orwell, known for his dystopian novels, wrote his most famous book, 1984, in the 1940s. Almost 60 years later in 1999 the Wachowski brothers wrote and directed one of the greatest film trilogies of all time, The Matrix. Both the novel and the movies depicted post apocalyptic dystopian worlds under some form of an oppressive government. Oppression, control, and sexuality are some of the prominent themes throughout the storylines. While some may argue that the novel 1984 did not inspireRead MoreThe Novel 1984 By George Orwell1013 Words   |  5 PagesThe novel 1984 by George Orwell exemplifies the issues of a government with overwhelming control of the people. Throughout the text there are realistic qualities that exemplify an extreme regulatory government and its effects. This government controls the reality of all of their citizen s by rewriting the past, instilling fear, hindering their freedom, and through manipulation. This society is overwhelmingly consumed with the constructed reality that was taught to them by Big Brother. The authorRead MoreThe Novel 1984 by George Orwell554 Words   |  2 PagesThough written sixty-five years ago, 1984 by George Orwell was chosen by TIME magazine as one of the 100 best English-language novels from 1923 to 2005. Orwell’s depiction of a futuristic dystopian society makes the novel prophetic and thought provoking. We will divulge into: Orwell’s background; Winston Smith, the novel’s protagonist, and the origin of his name; the structural conventions in the novel; Orwell’s use of important characters that’s never-seen; the story’s turning points, the mentorRead MoreOrwell s Novel, 1984, By George Orwell1235 Words   |  5 Pagesduring their time. During the peak of George Orwell’s career was when Communism was at an all -time high. Hence, he was warning the world of what terrors came with the control of a totalitarian country. In George Orwell’s novel 1984, the main character Winston fights to protect his life and preserve the real meaning of being human by rebelling against the government, all while Orwell warns the reader of what a totalitarian government can do to humanity. Orwell significantly gets his point across andRead MoreThe Novel 1984 by George Orwell Essay944 Words   |  4 Pages 1984, Orwell’s last and perhaps greatest work, deals with drastically heavy themes that still terrify his audience after 65 years. George Orwell’s story exemplifies excessive power, repression, surveillance, and manipulation in his strange, troubling dystopia full of alarming secrets that point the finger at totalitarian governments and mankind as a whole. What is even more disquieting is that 1984, previously considered science fiction, has in so many ways become a recognizable reality. OrwellRead MoreAnalysis Of The Novel 1984 By George Orwell1782 Words   |  8 PagesIn the novel 1984, by George Orwell, the government of Oceania is able to have supreme control over its population. The citizens of Oceania live in angst of the â€Å"Big Brother.† This instills a great amount of fear in the citizens who believe they must fulfill the government s expectations. The government not only invaded the person privacy of the Oceanic citizens, but they took away their basic human rights. By stiripping its citizens of their rights, like freedom of speech, The Party is able toRead MoreAnalysis Of The Novel 1984 By George Orwell951 Words   |  4 PagesThe novel, 1984, composed by George Orwell, presents a frightening picture, where one government has complete control of the general population. The story takes place in London, England. The government that is made in the novel is controlled by Big Brother. In 1984, the protagonist, Winston, really despises the total itarian government, that tries to control all aspects of his life. So many freedoms that we all need to live a happy and healthy life are being stripped away from the citizens of OceaniaRead MoreAnalysis Of The Novel 1984 By George Orwell1289 Words   |  6 PagesThe novel â€Å"1984† by George Orwell explores the meaning of humanity and the tactics that a totalitarian government may use to strip humanity from the people in order to maintain power. The main character Winston strives to preserve his humanity throughout the novel in his ability to think freely. The government tries to control its constituent’s thoughts, through tactics of propaganda, regulation, telescreen monitors, the thought police, and five ministries. These tactics are to control the constituent

Cyber Bullying Free Essays

vCyber bullying has become a huge problem in today’s society. There was once a day where cell phones or social networking did not exist and any problem you had with anyone was handled face to face and not behind a computer screen. If you told this to kids today they would probably be surprised. We will write a custom essay sample on Cyber Bullying or any similar topic only for you Order Now We’ve all been a victim of minor cyber bullying or bullying in general and although I haven’t experienced cyber bullying to its full potential, I’ve sat on the sidelines and watched how cruel my peers can be. About two weeks ago a fight broke out on Instagram between and friend of mine and her ex-boyfriends best friend. The breakup was bitter and his friends were trying to protect him and fight his battles. The ex-boyfriends friend commented on my friends Instagram picture and called the boys in it â€Å"doofy† not too harsh, but they came back at him ten times worse. I’ve witnessed a lot of people get bullied throughout high school and I myself have had some pretty cruel things said to me and I’ve said some things to people that I shouldn’t have said, but what these kids were saying to this boy was worse than any type of bullying I’ve ever witnessed. They told him that the world would be a better place without him and that he should just go hang himself. They told him to go hang out with Amanda Todd, a young teen who recently within the past few months made the news for committing suicide. They told him to that he should go kill himself to rid one more retard of the world and make the world better. Lastly, they told him to go drink bleach. I don’t even know the boys name that they bullied, yet I felt so sorry for him and felt that I had to stick up for him. Fortunately the boy did not take the advice of the cruel teenagers and he fought back until the Instagram feud was over. The problem doesn’t only exist in situations that I explained about but in many more ways where maybe the person that was being bullied did nothing wrong to deserve the treatment that they got. Not everyone is cyberbullied because of something they did wrong or because of a fight that they instigated. Some cases of cyber bullying had the cause of just plain jealousy. Approximately seventy-five percent of teenagers today have and are using cell phones. And the ones with cell phones send around three thousand text messages a month. With these cell phones do their parents really know what they are doing? Are they suffering from immense amounts of bullying? Or are they on the other side? The problem is that no one really knows and by the time a teenager takes their own life or starts to self harm, it’s too late because the parents had no clue. Thirty percent of children who are online whether it be Facebook or Twitter has admitted to being harassed. In the past few years, cyber bullying has gotten much more serious because not only are kids calling each other names, they’re starting to blackmail. If a young girl sends a nude picture through text message to a boy, and that picture gets in the hands of one of his friends or even another girl, the girl that sent the picture has the risk of having her picture sent around the school or even uploaded to social networking sites. Some might wonder how does a parent stop their children from sending or receiving these harsh texts. It is recommended that the parent sets a time period where the child can and cannot send or receive text messages. There is also an app that can stop sexts, and cyber bullying texts from send to a cell phone. Add your child on Facebook, follow them on Twitter. They may not like it at first but if you can prevent them from being bullied or from facing charges from cyber bullying, they will thank you in the long run. â€Å"Keep kids safe from cyberbullies – CNN. †Ã‚  Featured Articles from CNN. N. p. , n. d. Web. 6  Feb. 2013. â€Å"Keep kids safe from cyberbullies – Page 2 – CNN. †Ã‚  Featured Articles from CNN. N. p. , n. d. Web. 6  Feb. 2013. How to cite Cyber Bullying, Papers Cyber Bullying Free Essays As time passes, technology advances. With every advancement that comes it seems that the children of the generation are given a new way to harass each other; the hottest thing this generation being bullying through the use of e-technologies. For those of you who don’t know what e-technologies are, here are some examples: cell phones, text messages, multimedia messages, e-mail, and any web page accessed through the web such as myspace and or facebook. We will write a custom essay sample on Cyber Bullying or any similar topic only for you Order Now This problem that is so common among children requires us all to come together, parents, children and their schools, to stop it.Since the motives of cyber bullies differ, the solutions and responses to each type of cyber bullying incident has to differ too. Unfortunately, there is no â€Å"one size fits all† when cyber bullying is concerned. Only two of the types of cyber bullies have something in common with the traditional schoolyard bully. Experts who understand schoolyard bullying often misunderstand cyber bullying, thinking it is just another method of bullying. But the motives and the nature of cyber communications, as well as the demographic and profile of a cyber bully differ from their offline counterpart.Cyber bullying is when someone repeatedly harasses, mistreats, or makes fun of another person online or while using cell phones or other electronic devices. Available research and experience suggest that cyber bullying may differ from more â€Å"traditional† forms of bullying in a number of ways including: Cyber bullying can occur any time of the day or night, which makes it hard to stop in the heat of the moment. Cyber bullying messages and images can be distributed quickly to a very wide audience that makes the victim feel helpless.Children and youth can be anonymous when cyber bullying, which makes it difficult, and sometimes impossible, to trace them. Bullying has been around forever but cyber bullying is different because it lets a bully remain anonymous. It is easier to bully in cyberspace than it is to bully face to face. With cyber bullying a bully can pick on people with much less risk of being caught. Bullies are natural instigators and in cyberspace bullies can enlist the participation of other students who may be unwilling to bully in the real world.Kids who stand around doing nothing in a real life bullying incident often become active participants in online harassment. The detachment afforded by cyberspace makes bullies out of people who would never become involved in a real life incident. The Internet makes bullying more convenient and since the victim’s reaction remains unseen people who wouldn’t normally bully don’t take it as seriously. One of the many questions we need to ask ourselves is, â€Å"Where are the parents at while all the harassing is going on? . No Its not a question that can be answered, but the answer that would really slow down this epidemic would be, â€Å"over their shoulder†. I mean that more figuratively than literally. However, weather the parents are literally over their shoulder, peeking at every click, stroke, and post that their child makes or sitting back, thoroughly going over the cell phone billing report, browsing the internet history from time to time, and checking e-mails, we would see a decrease in the number of cyber bullying incidents.I say that parents and children need to come together in order to stop cyber bullying because 51% of preteens and only 35% of teens who had been cyber bullied had told their parents about their experience because they were afraid that their parents may make it worse. It is important that parents play a role in stopping cyber bullying. Indeed, it is vital that parents pay attention and be open with their children and invite their confidences. If your child is a cyber bully, you should make clear rules about appropriate online behavior, and have consequences, such as losing accounts or computer time, if they br eak the rules.You can work with schools to help stop cyber bullying, and work with other parents to try and prevent it. Make sure your child knows that he or she can come to you if there is a problem online. This generation is raised on the idea that telling on each other is a bad thing, that’s why so much of this goes on without being passed on to a responsible adult that would understand the seriousness of the situation and be able to make an educated decision on what actions should be taken.When schools try and get involved by disciplining the student for cyber bullying actions that took place off campus and outside of school hours, they are often sued for exceeding their authority and violating the student’s free speech right. They also, often lose. Schools can be very effective brokers in working with the parents to stop and remedy cyber bullying situations. They can also educate the students on cyber ethics and the law.If schools are creative, they can sometimes avoid the claim that their actions exceeded their legal authority for off-campus cyber bullying actions. We recommend that a provision is added to the school’s acceptable use policy reserving the right to discipline the student for actions taken off-campus if they are intended to have an effect on a student or they adversely affect the safety and well-being of student while in school.This makes it a contractual, not a constitutional, issue. Cyber bullying is fueled by the response from the victims, so we need to encourage the youth to be the â€Å"bigger man† and not respond to the immature comments and remarks. Although you don’t want to reply, never delete the messages or comments, save them in a folder on your computer, or print them out and store them for evidence if it should escalate into a bigger issue that involves the police or even the court system. How to cite Cyber Bullying, Papers Cyber Bullying Free Essays Erika Weber Professor Holliday COINS 209-05 25 September 2012 Cyber Bullying Not everyone knows what cyber bullying is, so what is it? Cyber bullying is when a child is being harassed, threatened, or embarrassed by another child using the internet, cell phone or other digital device. Almost half of teens in the United States are cyber bullied. Females are more likely to participate in cyber bullying and get cyber bullied than a male will (bullying statistics). We will write a custom essay sample on Cyber Bullying or any similar topic only for you Order Now Some children who are cyber bullied think the bullies do it because they think it is funny or they have nothing better to do with their time. When it comes to cyber bullying, they are often motivated by anger, revenge or frustration. Sometimes they do it for entertainment or because they are bored and have too much time on their hands and too many tech toys available to them. Many do it for laughs or to get a reaction. Some do it by accident, and either sends a message to the wrong recipient or didn’t think before they did something. The Power-hungry do it to torment others and for their ego. Revenge of the nerd may start out defending themselves from traditional bullying only to find that they enjoy being the tough guy or gal. Mean girls do it to help bolster or remind people of their own social standing. And some think they are righting wrong and standing up for others (stop cyber bullying). Cyber bullying is directed towards a wide variety of people, it is good to recognize the signs, and prevent cyber bullying from happening. Cyber bullying has increased in recent years. In a national survey kids between the ages of 10-17 years old, twice as many children showed they had been victims and committers. The American Academy of Pediatrics  calls cyber bullying  the â€Å"most common online risk for all teens. † Cyber bullies do not just target one specific person there are many different reasons for being targeted. Bullies are most likely to harass people who are different, do not have many friends, or are new to an area. Girls are more likely to be targeted than boys infrequently. A lot of people who are cyber bullied are often victims of offline people. Some cyber bullies target people who are younger than them because it makes them feel superior. Another cause for people to be targeted by cyber bulling is because of their ethnicity. There are different signs to noticing when a child is being bullied online (cyber bullying). Children and teens can go into isolation by not talking to any of their friends and ignoring or avoiding any type of contact with the outside world. If a child just unexpectedly stops using the computer you might want to sit down and have a talk with them or if they are jumpy or nervous all the time because they might be a target associated with cyber bullies. Another sign that is connected to being cyber bullied is the child or teen unexpectedly gets upset after being on the computer. The psychological and emotional outcomes of cyber bullying are comparable to real-life bullying except that with cyber bullying there is often no escape. Cyber bullying comes in many different forms and can happen though all types of devices. Over 80 percent of teens use a cell phone regularly, making it the most popular form of technology and a common source for cyber bullying. You can cyber bully by sending mean text messages to someone you dislike or posting status about them on social media networks. Exclusion is also a form of cyber bullying which means purposely not including someone in an online chat session just because you think their different or you do not like them. Stealing a person’s account information to break into their account and send damaging messages can be hurtful and that means you are cyber bully more than one person at a time. Stalking online is a form of cyber bullying also because it can cause fear in a person to know that they are being watched. Manipulation is an often under-considered form of bullying, but unfortunately there have been many cases of cunning cyber bullying. Examples include putting pressure on someone to reveal personal information or ask to meet up. This can be accomplished by using online friendship status to make it seem like you know the person. There are many different ways to prevent cyber bullying from happening to people. Speaking with other students, as well as teachers and school administrators, to develop rules against  cyber bullying can help with other kids who are being cyber bullied. Because their motives differ, the solutions differ to so there is no â€Å"one size fits all† when cyber bullying is concerned. You can also teach the kids the consequence of cyber bully for example getting banned from social sites and losing their ISP accounts (old dizigen). Teach your children to keep their information private and do not tell anyone anything personal that they would not like over the internet. Google themselves at least once a month to make sure no one is putting information up that can hurt them in the long run. When kids or teenagers check their e-mails they should never open a letter from a person they do not know or even if it is from a person they know they should still be wary especially if the subject looks suspicious. Save the evidence, such as e-mail and text messages, and take screenshots of comments and images. Also, take note of the date and time when the harassment occurs (netsmartz). If harassment occurs through  e-mail, social networking sites, IM, and chat rooms, tell your child to â€Å"block† bullies or delete your child’s current account and open a new one. Get your child’s school involved. Learn the school’s policy on cyber bullying and urge administrators to take a stance against all forms of bullying (netsmartz). Be a friend, not a bystander. Watching or forwarding mean messages empowers bullies and hurts victims even more. If you can, tell bullies to stop or let them know harassment makes people look stupid and mean. It’s time to let bullies know their behavior is unacceptable. If you cannot stop the bully from messaging a friend at least tell a trusted adult. In conclusion I have realized that Cyber bully is very wrong and can lead to dangerous situations. Cyber bullying is directed towards a wide variety of people, it is good to recognize the signs, and prevent cyber bullying from happening. I have learned that no matter what your race, religion, or ethnicity is you can still be cyber bullied. Please recognize the signs of cyber bully and teach yours kids also because you never know when you will need to worry about your child or they have to worry about a friend being cyber bullied. Cyber bullying can be prevented in many ways but one may way that is very affective is telling an adult you trust so they can handle the situation properly. We can all make a difference if we just stop cyber bullying be against it stand up for it and you never know you just might be one less person cyber bullying or being the one cyber bullied. Work Cited Paul, Richard. â€Å"The Duck Sense Bully Prevention Blog. †Ã‚  Cyber Bullying Prevention Tips. N. p. , n. d. Web. 09 Oct. 2012. http://www. richardpaul. com/blog/no-bully-club/cyber-bullying-prevention-tips/. â€Å"SafeKids. com. †Ã‚  SafeKids. com. Word Press, n. d. Web. 09 Oct. 2012. http://www. safekids. com/. â€Å"Cyber Bullying. †Ã‚  Netsmartz. org. National Center for Missing Exploited Children. , n. . Web. 9 Oct. 2012. http://www. netsmartz. org/cyberbullying. â€Å"Covenant Eyes Header. †Ã‚  Honest Discussions about Internet Temptations. N. p. , n. d. Web. 09 Oct. 2012. http://www. covenanteyes. com/2012/01/17/bullying-statistics-fast-facts-about-cyberbullying/. STOP Cyberbullying. WiredKids, Inc. , n. d. Web. 09 Oct. 2012. http://www. stopcyberbul lying. org/why_do_kids_cyberbully_each_other. html. â€Å"Understanding Cyber Bullying. †Ã‚  Digizen,org. Childnet International, n. d. Web. 9 Oct. 2012. http://old. digizen. org/cyberbullying/fullguidance/understanding/forms. aspx. How to cite Cyber Bullying, Essay examples Cyber Bullying Free Essays Is Cyber-bullying really a problem? Bullying has been around forever but cyber bullying is different because it lets a bully remain anonymous. It is easier to bully in cyberspace than it is to bully face to face. With cyber bullying a bully can pick on people with much less risk of being caught. We will write a custom essay sample on Cyber Bullying or any similar topic only for you Order Now Bullies are natural instigators and in cyberspace bullies can enlist the participation of other students who may be unwilling to bully in the real world. Cyber bullying is any harassment that occurs in the Internet.Vicious forum posts, name calling in chat rooms, posting fake profiles on web sites, and mean or cruel email messages are all ways of cyber bullying. â€Å"Around 10 percent of all adolescents in grades 7-9 are victims of internet bullying. ‘This type of bullying can be more serious than conventional bullying. At least with conventional bullying the victim is left alone on evenings and weekends. † Many people may think that cyber-bullying isn’t a problem in life, well think again it can change a victim’s life forever by just one offensive comment about them.I will make the victim want to commit suicide, drop out of school, and suffer from self-esteem issues like depression and anxiety. We must fight for what is right, sooner the better. What cyber-bullies would do in order for them to trace their victims or look for victims is most likely where they would have easy access and that would be through the internet and through cell phones. For cell phones they are able to contact with others by texting or calling but for the internet it would have websites where most kids would join now a days such as, facebook, myspace, twitter, blogspots, and e-mail.I would say that the internet is one of the best places for cyber-bullying than through cell phones because when communicati ng through the internet they are able to not only associate with only their victims but with other people in the world so not only that one person that they’re bullying are seeing it many people around the world are able to see it also, which in that case would make the victims situations even worse. Above all, no matter what techniques that bullies use it is a way for them to harm others. Online bullying, called cyberbullying, happens when teens use the Internet, cell phones, or other devices to send or post text or images intended to hurt or embarrass another person. † The internet is appealing to many bullies because it makes it easier for them to be cruel and vicious to their victims when there isn’t any personal contact with them and its difficult to trace the activities that they’re doing. â€Å"Victims of internet bullying — or cyberbullying — have no refuge.Victims may be harassed continuously via SMS and websites, and the information spreads very quickly and may be difficult to remove. In addition, it is often difficult to identify the perpetrator. † Hurting others is a way to call it their comfort zone because makes them feel better about themselves and when they do encounter with problems of their own the only way to makes them feel more respected or get them back on their feet is by causing trouble through the technologies because not many of their victims are able to stand up for themselves so bullies feel more superior. For them to harm others is mostly to gain friends that they always wanted to hangout with, since peer pressure has been an issue for many students bullying others is way for them to gain more respect from others especially from their victims. What cyber-bullies didn’t realize is that it can cause a whole lot of problems for their victim that it created a great nightmare not to only to the victim but even to the victims loved ones because it makes a great destruction to ones life. How to cite Cyber Bullying, Papers Cyber Bullying Free Essays In the news article â€Å"Technological trauma: cyber bullies more powerful than schoolyard thugs† (the Age 28/10/2006), Larissa Dubecki assertsin a reasoned and logical tone that cyber bullying should not be permitted or tolerated because it is extremely harmful to young people. The writer appeals to the wellbeing of teenagers through establishing the threats and negative impact of cyber bullying that can be physically and mentally harmful. The writer appeals to the reader’s sense of safety and wellbeing by exposing the potential danger and problems associated with unrestrained. We will write a custom essay sample on Cyber Bullying or any similar topic only for you Order Now The consequences of cyber bullying could range from â€Å"acute anxiety† to â€Å"self- harm† or even to â€Å"suicides†. LOADED language? Negative connotations? Appeal to fear? Substantiating the point with many statistics and references to authority figuresis designed to enrich the author’s credibility by relating it to the reader’s own community so that they may become more aware of the issue. Example?  This is an emotional and reasoned appeal as the data results and findings prove that the writer’s perspective is not made up of hollow evidence but evidence backed up by research. Thus the reader is positioned to view the writer’s argument as more convincing because it appears to be objective and reliable. Furthermore, these statistics, coupled with reminders of past events in which victims have experienced negative emotions such as â€Å"acute anxiety, depression, truancy, self-harm and†¦suicides† enhances the legitimacy to the writer’s position that cyber bullying is a serious issue. Hence, the reader is inclined to agree with the writer that immediate action is required against cyber bullying because anyone who disagrees would be regarded as lacking practical intelligence since they cannot see what is self-clearly evident. The contrast between the writer’s seemingly morally upright and responsible view and the unacceptable behaviours on the offenders’ side further belittles the â€Å"perpetrators†. The writer’s appeal to sense of justice triggers emotions of sympathy for the victims from the reader as the reader is inclined to feel an overwhelming unfairness at the fact that offenders are able to get away â€Å"unpunished†. Sites where people are able to â€Å"vote for the ugliest, fattest and most hated person in school† are exposed by the writer as dangerous, inappropriate and hurtful. Appeal to sympathy? Shock? Negative connotations? Loaded language? The reader is led to feel a connection between themselves and those oppressed because these negative traits are relevant to the reader’s own life how do you know this? Assumption here and thus, the reader is persuaded to side with the writer’s view that hurtful insults at people’s image should stop. In addition to this, the perpetrators are exposed as people who â€Å"aim to humiliate†¦hack into accounts and †¦sometimes locking the victims out of their own account†. The negativeassociations linked with â€Å"bullies† are designed to further attack the offenders as viscous and inhumane. Thus, the writer arouses feelings of anger from the reader and they are positioned to agree that bullies should be â€Å"caught and dealt with†. The writer contends that offenders and bullies are not the only ones to be blamed because parents and the general community are responsible to the ways in which children are educated. The frightening image of a â€Å"faceless† and â€Å"anonymous† are threats characterised as unknowns and in close proximity to children whichprovokes parents to feel worried and fearful, but practical steps and solutions are offered and the reader is inclined to turn to them for relief. The writer’s point is clear: parents and the community must act. â€Å"Let’s look at families and communities-where are the kids picking up these despicable habits? † Appeal to family values and responsibility as citizens is strengthened by rhetorical questioning that addresses the reader as a way of engaging their agreement. The answer is self-evident irrefutable and therefore, the reader must agree with the writer that parents and communities should â€Å"to do something about [cyber bullying]†. Through appeals to the sense of fear, justice, and responsibility, combined with references to authority figures, research statistics and past events, don’t shopping list!! the reader is compelled to agree with the writer that cyber bullying is a dangerous activity that should be stopped â€Å"nor should the victims suffer in silence†. Tone? How to cite Cyber Bullying, Essay examples Cyber Bullying Free Essays Cyber bullying is the use of the Internet and related technologies such as mobile phones, to harm other people, in a deliberate, repeated, and hostile manner. ?Cyber bullying is a growing problem as it is out of the jurisdiction of most schools and generally done behind closed doors. Many teenagers who are faced with a cyber bully do not report the bullying, but instead dwell on the subject, causing them to become depressed, anxious and more times than one suicidal. We will write a custom essay sample on Cyber Bullying or any similar topic only for you Order Now In recent years, cyber bullying has emerged, increasing the amount of bullies and victims. An example of how cyber bullying and how it can effect an individual comes from the Sydney Morning Herald, it explains why Megan Meier committed suicide and how Lori Drew was charged over the incident. The Crimes Act 1900 has many sections, but the main section that deals with cyber bullying is in section 60E which makes it an offence for a person to assault, stalk, harass or intimidate anyone, this includes school staff or students while attending school, but it does not cover bullying outside of school premises. This Acts effectiveness does not protect victims from cyber bullying, especially on school premises, making it not very effective when protecting individual’s rights against cyber bullying. Restorative Justice Programs are based on a shared ownership, or a peer approach to resolve problems that arise, even those in schools. Restorative Justice Programs take the form of conferences that involve a wide range of people. The incidents are generally discussed and a way of resolving them are figured out with the perpetrators and victims present. This program is extremely effective as it lowers the amount of children and teenagers that go into the legal system, it is educative rather than punitive, and costs a lot less than a court appearance would cost solving the same/similar matter. Duty of care for schools is anything that happens inside their gates is there jurisdiction, but the extent of a schools duty of care to protect students from cyber bullying is unclear. Cyber bullying that occurs outside of school hours through non-school equipment is particularly problematic for schools. The effectiveness of duty of care for schools is quite ineffective, as it does not clearly state the extent of a schools authority when it comes to cyber bullying. Law reform will become a major topic in coming years if the rate of cyber bullying keeps increasing at the rate it is. An extract from Campbell, Marilyn A (2005) Cyber Bullying: An old problem in a new guise? Australian Journal of Guidance and Counselling, informs us that 75% of 7-16 year olds in the United Kingdom use the internet to socialize on and off. In the same extract a report from a Brisbane school, identified 11% of 120 year 8 students identified themselves as cyber bullies and nearly 14% as targets. Only a small group was examined at this Brisbane school, but the results were shocking. Australia could implement a new law reform where schools will be able to have a clear knowledge of their jurisdiction when it comes to cyber bullying. A new law, which was implemented in New York State, now allows families, communities, law enforcement and schools prevent harassment, bullying (including cyber bullying) and discrimination. ?Another law that Australia should take on board in the role of law reform is the Malicious Communications Act 1988 in the United Kingdom. This act prohibits the sending of a letter, electronic communication or other article that is indecent or grossly offensive, threatening, or false and sent for the purpose of causing distress or anxiety. Finally, another UK law that Australia should take on board is the Protection from Harassment Act 1997. This act prohibits the harassment and conduct causing another person to fear that violence will be used against him/her. This also protects individuals against cyber bullying. A law reform that would be most helpful in Australia would be the United Kingdom’s Malicious Communications Act 1988. This act would allow law enforcement to take control of cybe r bullies everywhere, cutting down the amount of cyber bully caused suicides. How to cite Cyber Bullying, Essay examples Cyber Bullying Free Essays Cyber bullying has become a result of teens committing suicide. Last fall Audrie Pott was allegedly ganged raped by three boys after she had fallen asleep do to the consumption of alcohol the three boys later, tormenting her with pictures of her engaging in a sexual form with one of these boys. Pictures were shared around school as well as texting the images and posting them online. We will write a custom essay sample on Cyber Bullying or any similar topic only for you Order Now After being tormented for two years she started developing suicidal thoughts which later led to her death. In ohio two star football players were convicted of raping a drunk 16 year old girl. They gained media through lurid text messages, cell phone pictures and videos, and social media post surrounding the sexual abuse of the girl. One of the convicted felons was found guilty disseminating a nude photo of a minor. Once something has been posted on the internet it can never be erased. Imagine these young girls that don’t remember anything that happened the night before then waking up discovering they have been sexually abused. Yea, this can be a traumatizing event leaving scars and wounds that can never be healed. Some can leave these events in the past while others would just take their lives away like Audrie Pott. How can cyber bullying be prevented? Simply having more talks with young kids regarding bullying as well as bringing guest speakers to inspire kids not to bully. Also enforcing the law on young teenagers just because they’re young that doesn’t mean they cannot take care of the mess they have created. Allard the attorney for the pott family, said his clients are pushing the â€Å"Audrie’s Law,† which would stiffen penalties for cyber bullying and strengthen laws on sexual assaults by trying adolescents as adults. How to cite Cyber Bullying, Papers Cyber bullying Free Essays In these days, internet has become a vital part of our life – both in working or killing time. We may even regard this invisible site as an epitome of our society in reality. Therefore, every phenomenon that takes place in the internet somehow is a projection from out real life. We will write a custom essay sample on Cyber bullying or any similar topic only for you Order Now While, bullying, is transformed to a phenomenon in the internet that called cyber-bullying. Why is this happened? The reason’s simple – people’s being more and more catty. It’s because, cyber bullying hurts more deeply, and these evil wounds may keep bleeding for ever†¦ Bullying in the reality mainly hurt victims physically, while it could also hurt one’s self-esteem -For example, verbal insulting†¦etc. But still, victims could have chance to escape from those beliers, and it would be more easier for adults to trace for evidence hence preventing this happen again. But cyber bullying is a touchy issue to deal with. First, cyber bully are usually sly – they could delete the evidence once the victim strike by just pressing a button on the keyboard. Then, the bully would not need to be punished because the evidence disappeared suddenly. Then the victim will certainly be kept on insulted by the bully. Where you may say you could avoid having contact with the internet, but can you? As I said, nowadays, the internet had become a vital part in our daily life, can you avoid accessing to it? And once you get to the internet, could you control your curiosity? Even you can, how about your MSN, inbox, Facebook or Myspace ? Those nasty messages can’t be edited by you and, they will just be right there forever if you don’t take any action. It would be read by any one including yourself. And this will turnout to become a kind of bullying in the reality. People will laught at you because of the message about you in the internet. It’s only a vicious cycle. Everything will turn sour and blue if you just keep on being a silent victim. And eventually, you will terminate your life to relief your suffrage, pressure, pain, anger†¦etc. While the bully may just laughing at your death, while, who love you will burst into tears for your death. Death is absolutely not a solution for a problem! The best way to deal with bullying or cyber bullying is to stand out and face the problem positively. You may keep the evidence but not just ignoring them. Talk this issue with your parents and teachers, they will give you wise advices. If the situation’s really worst, you may also seek help from the police force too. Our society won’t accept the existence of any kind of bullying. Everyone would try their best to help you – you are not alone! But remember, never revenage. If you did this, you will just become another bully. Remember, anger is a poison – it eats you inside. Without your support, bullying still exist as we may have a devil mind. Let’s to create a harmony society in the future together. How to cite Cyber bullying, Papers Cyber Bullying Free Essays ABC News reported on a survey prepared by I-SAFE. ORG. This of 1,500 students between grades 4-8 reported: 42% OR 630 of kids have been bullied while online. We will write a custom essay sample on Cyber Bullying or any similar topic only for you Order Now One in four have had it happen more than once. 35% OR 525 of kids have been threatened online. Nearly one in five had had it happen more than once. 1% OR 315 of kids have received mean or threatening e-mails or other messages. 58% OR 870 of kids admit someone has said mean or hurtful things to them online. More than four out of ten say it has happened more than once. 58% OR 870 have not told their parents or an adult about something mean or hurtful that happened to them online. THAT WAS SOME INFORMATION ON CYBER-BULLYING WITH CHILDREN, LETS REVIEW HOW CYBER-BULLYING AFFECTS ADULTS AND THE WORKPLACE. ALTHOUGH IT IS MORE COMMON, CYBER BULLYING IS NOT LIMITED TO CHILDREN.ADULT TO ADULT CYBER-BULLYING, IS IDENTIFIED BY THE SAME BEHAVIORS AS CHILDREN BUT IS REFERRED TO AS CYBER-HARASSMENT, OR CYBER STALKING BECAUSE OR THE AGE DIFFERENCE. WITH ADULTS THE INTENT IS TO THREATEN THE VICTIMS EARNING, EMPLOYMENT, REPUTATION, OR SAFETY, AND USUALLY TAKES PLACE IN THE WORKPLACE ACCORDING TO THE DIGNITY AND WORK PARTNERSHIP GROUP. A survey of 1,072 workers by the Dignity and Work Partnership found that one in five had been bullied at work by e-mail AND believes cyber-bullying is a problem in their workplace.Cyberstalkers use posts, forums, journals and other online means to present a victim in a false and unflattering light. Various companies provide cases of cyber-stalking (involving adults) follow the pattern of repeated actions against a target. While motives vary, whether romantic, a business conflict of interest, or personal dislike, the target is commonly someone whose life the stalker sees or senses elements lacking in his or her own life. NOW LET ME TELL YOU SOME OF THE HARMFUL EFFECTS OF CYBER BULLYING. Research had demonstrated a number of serious consequences of cyber-bullying victimization. 4][6][7][8] For example, victims have lower self-esteem, increased suicidal ideation, and a variety of emotional responses, cyber-bullying back, being scared, frustrated, angry, and depressed. [6]One of the most damaging effects is that a victim begins to avoid friends and activities, often the very intention of the cyber-bully. Cyber-bullying campaigns are sometimes so damaging that victims have committed suicide. There are at least four examples in the United States where cyber-bullying has been linked to the suicide of a teenager. 6] The suicide of Megan Meier is a recent example that led to the conviction of the adult perpetrator of the attacks. Intimidation, emotional damage, suicide The reluctance youth have in telling an authority figure about instances of cyber-bullying has led to fatal outcomes. At least three children between the ages of 12 and 13 have committed suicide due to depression brought on by cyber-bullying, according to reports by USA Today and the Baltimore Examiner. Never be bullied into silence. Never allow yourself to be made a victim. Accept no one’s definition of your life, but define yourself. † How to cite Cyber Bullying, Papers

Configuring Sales Support Structure †Free Samples to Students

Question: Discuss about the Configuring Sales Support Structure. Answer: Introduction: According to Arndt and Harkins (2013), sales support refers to activities carried out by the management to enable sales representatives make sales and close deals. These functions may differ per sales team, industry, and company. Sales support services can be offered by productivity tools, outsourcing teams, hired associates, and in extreme circumstances by sales representatives. It provides mechanisms through which sales representatives use to close deals. For Khalifa Gift Collection, there will be two types of sales support, tools, and helpers. There will be people, documents, and tools that the company will avail for the sales team to use. For example, sales support helpers will perform the following functions; active market communication, customer services, product training, and lead generation. Active market communications will entail public outreach strategies like press releases, paid advertising, and online promotions. The market awareness campaign will enable the sales team to make significant sales for the company since the market shall have been aware of the brand. Additionally, customer services and product training will help sales representatives have adequate knowledge to sell the gift collection. Moreover, informed customers about the brand will easily make a buying decision for the product when they are aware of its benefits. This is only viable through product training. Customer service will also help answer questions about the brand to enhance customer satisfaction. On the other hand, sales support tools include software and documents that will help sales representatives make sales. Sales documents will include brochures, presentations, or videos that explains the benefit of the product. For example, developing frequently asked questions on our website will help customers meet their needs even without getting into contact with sales representatives. Other software will include computer-aided designs and pre-programmed calculators to smoothen sales activities for Khalifa Gift Collection. Territory Allocation Territory allocation is the process of assigning a geographical area or a group of consumers to a particular salesperson (Adusei, Tenkorang, Tweneboah-Koduah, 2016). For example, the main territory for Khalifa Gift Collection will be Abu Dhabi City where the headquarters will be based. For the company to realize its sales objectives, the management will open shops in different territories and will be managed by territory managers. These areas have potential and present consumers of our gift collection. The main objective for allocating territories to managers is to save time and expenses of doing business, compete easily in this growing and competitive market, supervise and control over the sales force, and to hold territory managers responsible for sales and services they offer to our esteemed customers. Moreover, allocating territories to the manager will benefit Khalifa Gift Collection in the following ways; Avoiding duplication of sales effort as well as ensuring adequate market coverage. The demarcated territories will enable the company carry out a quicker market survey if there is a need. Territory allocation will help nurture a better relationship between the business and customers as managers will only sell in their respective geographical area. Khalifa Gift Collection management will easily identify underperforming areas as well as identify inefficient managers. Allocation of territories will increase competition among the sales representatives to achieve the set target to outdo other areas for bonuses. As such, the rate of stock turnover of the company will increase hence sustainable revenue. It will enable quick coverage of the entire target market for Khalifa Gift Collection and thus reach more customers. Khalifa Gift Collection will easily compare the performance of different managers, identify weaknesses and strengths of the various markets, and adjust at the right time. Targets are expectations that business take into consideration before engaging in business (Yakovleva, 2017). Khalifa Gift Collection shop and retail distribution targets middle to upper class in the United Arab Emirates (UAE). For instance, targets include; target market and sales target. In an open market, consumers are constantly looking for independent retailers who can offer them the home feeling by offering personalized shopping experiences. Moreover, most consumers often get deprived of the luxury to shop for their preferred items and thus looking for stores that offer services and products that match their value and quality. In this regard, the company is seeking to meet the requirements of this market segment. For example, Khalifa Gift Collection is targeting both male and female customers who are between 20 50 years, family oriented, value-conscious, quality conscious, homeowners, and educated individuals. The business shall attract these customers by offering uncommon and unique product selection Sales of gift items are usually seasonal. They sell most during special giving occasions or holidays. For example, items like collectible dolls and accessories, cards have more demand when children and students are graduating from one level of education to the other. Moreover, during festive seasons, sales go up. As such, Khalifa Gift Collection expects sales to reach $70,300 in the first year, $80,000 in the second year, and $90,500 in the third year for gifts and $68,750, $77,345, and $89,790 respectively for dolls and accessories for our main shop in Abu Dhabi City. Furthermore, each and every distributor will have his or her target depending on the market dynamics of those geographical locations. Intrinsically, targets will be different in every location. In addition, targets will be set and Khalifa Gift Collection will expect the distributors to increase sales revenue in subsequent years as projected by management. Strategies and tactics are techniques for pushing sales volume for the businesses (Yakovleva, 2017). Khalifa Gift Collection will use different unique marketing strategies and sales tactics. The business shall focus its marketing efforts on advertising on televisions, print media, online platforms, and billboards. We shall endeavor to increase consumer awareness by retaining the existing customers by promoting sales through newsletter mailings and seasonal postcard. The intention of mailing will be to announce holiday specials or special events during the year where the business shall pitch discounted products. Moreover, these events will help the company sell slow-moving products and vendor special promotions. This strategy means that Khalifa Gift Collection will center its marketing resources around personal sales in a friendly atmosphere to maximize customer service and sales promotion through displays in the events. Besides, Khalifa Gift Collection will offer coupons to customers during these events, which will encourage them to shop at our outlets later on.Khalifa Gift Collection will approach sales on a salesperson-customer relationship basis. Besides, the company will qualify leads before sales representatives which will help cut costs as well as enable better collaboration and communication. The company will endeavor to help customers using a personal approach. For example, the business will gather key information from the customer and seek performance feedback on the services and products offered. These feedbacks will help Khalifa Gift Collection in the following ways; Increasing awareness of the company's products within the retail consumer marketplace. Develop products and services to enhance shopping experiences for our customers. Develop merchandising formats and product offers that will the business increase sales. Target the company's marketing efforts more effectively. Developing future sales opportunities that will encourage business growth and expansion to other territories. Calendar and measurement According to Hudson (2018), a calendar is a tool that shows merchandising efforts, media campaigns, and marketing events efforts are happening where and when. The marketing calendar has the power and ability to coordinate, communicate, and measure performance. An example is at the appendix section. As such, it is a tool for planning for the whole team, sale representatives, and distributors to align and plan for the best results. Lack of adequate planning and inventory often derail execution of marketing strategies and sales tactics by the management. Therefore, a calendar will help Khalifa Gift Collection in the following ways; Effective communication is key to success for any organization. When the management drafts a calendar at the beginning of the year, then all the stakeholders will be aware what is expected of them and thus have a basis for measuring their performance. Moreover, posting the calendar to everyone is a great idea of getting them focused on the organizational goals. A calendar enables easier coordination between the operations and the sales team. It shows the specific items which are supposed to be used in carrying out specific tasks. As such, it minimizes misunderstanding when carrying out marketing for the products of the company. It forms a basis for measuring the plans against what has been achieved by both distributors and sales team. Growth in sales over the years is achievable when Khalifa Gift Collection will plan its activities early enough. For example, planning adequately for peak seasons, holidays and festive seasons shall help compare performance between the current and the previous year. As such, having a marketing calendar makes sure that the company maximizes its revenue during these occasions. Intrinsically, a marketing calendar helps measure and compare the performance of different outlets and years. References Arndt, A. D., Harkins, J. (2013). A framework for configuring sales support structure.Journal of Business Industrial Marketing,28(5), 432-443. Adusei, C., Tenkorang, C., Tweneboah-Koduah, I. (2016). Sales Territory Management and Distributor Performance in the Telecommunications Industry in Ghana.Expert Journal of Marketing,4(2). Hudson, M. (2018). Learn How a Marketing Calendar Increases Retail Sales. The balance. Retrieved on April 13, 2018 from: https://www.thebalance.com/marketing-calendar- 2890201 Yakovleva, Y. (2017). Effective Business Planning: Case Study: Company X.

HRM Practice on Jamuna Bank Essay Example

HRM Practice on Jamuna Bank Essay Background of the study: Introductory Part 1. 1 Preface: In today’s world, education is the imperative tool for understand the real world and apply knowledge for betterment of the society as like as in business sector. From the education session the theoretical knowledge is obtained from various analyses throughout the programs, which is only the half way of the subject matter. As practical orientation is an integral part of the BBA program, every student is sent by the department to different organization to take real life exposure from the activities of the organization, which is known as â€Å"Internship Program†. That program is taken when the student is at the leg of his/her Bachelor Degree. Internship program brings student closer to the real life situation and thereby helps to launch a career graduates within the local environment with knowledge and skill to provide leadership in enterprise, public service and Welfare of Their society. Internship placement of this department is a step towards fulfilling this commitment by giving students an opportunity to get ready for the real world before they enter their practical life. Involvement of the banking sector in different financial events is increasing day by day. At the same time the financial arena is becoming faster, customer focused and its involvement got unavoidable in their everyday life. Now a day, it has become essential for every person to have some ideas on the economics and mostly on banking procedure. In the internship program, each student is attached with an organization . Under this program students of BBA faculty must go through an internship program of 3 months duration. After completion of several credit theories from the department of the Business Studies faculty, students are sent to different organizations to expose them real life scenario . We will write a custom essay sample on HRM Practice on Jamuna Bank specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on HRM Practice on Jamuna Bank specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on HRM Practice on Jamuna Bank specifically for you FOR ONLY $16.38 $13.9/page Hire Writer The theoretical knowledge that students acquire from class lecture, books, journals, case studies, seminars etc is replenished in the practical settings. My internship placement was at Jamuna Bank Limited, Jubilee Road Islamic Banking Branch. I was asked to prepare internship paper on the assigned topic of â€Å"Prospectus of HRM Practice in Private Bank by a Case Study in Jamuna Bank Ltd† 1. 2 Objective of the study: A. General: The general objective of this study is to know about HRM system Problem in private banks in Bangladesh regarding Jamuna Bank Ltd that has been performed by HRD. B. Specific: * To familiarize with practical job environment. * To have an exposure on the financial institutions such as banking environment of Bangladesh * To gain experience on different functions of banking business in Bangladesh. * To know about the Human Resource practice in Jamuna Bank Ltd in banking sector. * To know about the Human Resource policies and practices at Jamuna Bank Ltd. * To know about Human Resource planning in Jamuna Bank Ltd. * To gather the actual knowledge about the Human Resource operations in the organizations. * To know about the training development methods. To know performance appraisal system. * To identify the problems if any. * To provide suggestions. * To identify the problem and the lacking of man power. * To identify the problem of HRM departments * To provide the solution for better HRD system * To ensure the workforce regarding HRM 1. 3 Methodology of the Study: In order to complete this report I proceeded through a work plan. I physically visit ed and discussed with executives of Jamuna Bank Ltd become conversant with the banks philosophy, working procedures, management system and decision making process of the banks. The details of the work plan are furnished below: Primary Data: * Practical work exposure. * Face to face conversation with respective officers stuffs. * Data collection by own supervision. Secondary Data: * Annual report 2010 2011 of Jamuna Bank Ltd. * Official website of the bank. * Various books, Articles etc. * Periodicals published by Bangladesh Bank. 1. 4 Data collection method: * Relevant data for this report has been collected primarily by direct investigations of different records, papers, documents etc. perational process and different concerned personnel. The interviews they’re administered by formal and informal discussion. No structured questionnaire has been used. Information regarding office activities of the bank has been collected through consulting bank records and discussion with office personnel. Data Strategies: * The information and data for this report have been collected from both the primary and secondary Strategies. 1. 5 Scope of the study: The stud y is only related in Jamuna Bank Limited, Jubilee Branch, and Chittagong. This report focuses on the overview of management organizational structure and mainly HRM Policy others functional departments such as Accounts, Foreign Exchange Remittance, Loan Advance, customer service, SME etc. I have learned the procedure and policies relevant to their work. 1. 6 Limitations of the study: Although I have got co-operation from employee of Jamuna Bank Ltd, Jubilee Br. they also gave me much time to make this report properly in the way of my study, I have faced many problems that may be termed as the limitation/shortcoming of the study. . Time limits: It should be certainly mentioned that the time constraints is that first limitation of the study. Only three months is not sufficient for gather prefect knowledge on the vast area of the â€Å"Human Resource Management its problems† 2. Data Collection: †¢ In some cases they could not be able to supply my topic related data for preparing a more in depth presentation. †¢ It was also seen that maxim um time they are found busy and many officers related my topics are not able to give enough time and briefings due to insufficiency of time. 3. Lack of Practical Knowledge: For the lack of their practical knowledge, some shortcoming may be available in the Paper. In some cases, I could not practically involve because of bank’s limitations and for riskiness. 4. Personal Limitations: My personal limitations also contributed greatly in making the study. 2. 1 Banking System in Bangladesh: Banks constitute an important segment of the financial infrastructure of any country. The economic history of many countries reveals that economic development and growth of financial infrastructure go hand in hand. Bangladesh Bank is the central bank of the country that controls the total banking system of the state. Structure of Banking System in Bangladesh is as follows: Bangladesh Bank Development Financial Instructions Commercial Banks Specialized banks Nationalized Commercial Banks Denationalized Banks Private Commercial Banks Banks run on Islamic Principals Foreign Banks 2. 2 Role of Private Banks in the Economic development of Bangladesh: Now days, private bank deal with a large number of matters. By introducing medium of stocks, share and other valuables they help economic activities of this country. Bankers collect a small amount of deposits from the public and help in the formation of capital and simultaneously help in the development in the industry, commerce, trade, agriculture etc. by providing loans and advances to entrepreneurs. They advance money on securities, and issue letters of credit, traveler’s cheques, ATM credit cards; circular notes etc. moreover, private banking companies may engage themselves in the following activities: * The Borrowing, raising or taking up the money Acting as a agents for the government or local authority or any other persons * Contracting for private or public loans and negotiating and issuing the same * Underwriting, participating in management and carrying out of any issue, public or private of government, municipal or other loaners of shares, stocks, debentures of any company, corporation of association and the lending of money for the purpose of any such issue * Carrying in and transacting every kind of guarantee and industry bus iness * Managing, dealing and realizing any property that may come into the possession of the company in satisfaction of its claims. Acquiring and holding and generally dealing with any right, title or interest in any such property which may be connected with any such security. * Undertaking and executing trust * Undertaking the administration of estates as executor, trustee or otherwise. These services of the private banks make major role in the economic development of their country. The prime objectives of the private bank are to help industrialization and commerce in the country and thereby contribute its mite to the national development. With these ends in view it has planned diversified investment portfolio. 2. 3 Historical Review of Jamuna Bank Limited: Jamuna Bank Limited (JBL) is a Banking Company registered under the Companies Act, 1994 with its Head Office at Chini Shilpa Bhaban, 3, Dilkusha C/A, Dhaka-1000. The Bank started its operation from 3rd June 2001. The Bank under takes all types of banking transactions to support the development of trade and commerce of the country. JBLs services are also available for the entrepreneurs to set up new ventures and BMRE of industrial units. Jamuna Bank Ltd. the only Bengali named new generation private commercial   bank was established by a group of winning local entrepreneurs conceiving an idea of creating a model banking institution with different outlook to offer the valued customers,   a comprehensive range of financial services and innovative products for sustainable mutual growth and prosperity. The sponsors are reputed personalities in the field of trade, commerce and industries. The Bank is being managed and operated by a group of highly educated and professional team with diversified experience in finance and banking. The Management of the bank constantly focuses on understanding and anticipating customer’s needs. The scenario of banking business is changing day by day, so the banks responsibility is to device strategy and new products to cope with the changing environment. Jamuna Bank Ltd. has already achieved tremendous progress within only ten years. The bank has already ranked as one of top quality service providers is known for its reputation. At present the Bank has real-time centralized Online banking branches (Urban Rural) throughout the Country having smart IT-Backbone. Besides these traditional delivery points, the bank has ATM of its own, sharing with other partner banks Consortium throughout the Country. 2. 4 Current Profile of Jamuna Bank Ltd: Within a short span of time Jamuna Bank has established itself as one of the fast growing local private banks. It has at present a network of 68 branches serving many of the leading corporate houses and is gradually moving towards retail banking. Another significant delivery channel is its own as shared ATM Network. Jamuna Bank has a network of 63 ATMs out of which 30 ATMs are ts owned. The other 33 are under common ownership as a member of Cash Link Bangladesh. Since its humble beginning in 2001, it set milestone by acquiring the business operations. The Board of Jamuna Bank comprises 15 Directors who possess a wide range of skills experiences over a range of professions. Md. Belal Hossain is the Chairman of the Board is the vice chairman of the board. The asset and liability growth has been remarkable . By Dec 2011 the total asset of the Bank grew to Tk. 7,712,39,07,521, increase of almost 28. 65% comparing to 2010. Deposits of the bank Are Tk. 6,067,35,64,672 during. Loans Advances reached Tk. 52,706,325,403. In 2011, Jamuna Bank achieved an operating profit of Tk. 991,180,577 Compared with Tk. 756,465,783 in previous year, a growth of 37. 39%. Jamuna Bank has been actively participating in the local money market as foreign currency market without exposing the Bank to vulnerable positions. The Bank’s investment in Treasury Bills and other securities noticeably opening up opportunities for enhancing income in the context of a regime of gradual interest rate decline. Jamuna Bank is maintaining its competitiveness by leveraging on its Online Banking Software and modern IT infrastructure. It is the pioneer amongst the local banks in introducing innovative products like internet banking, and under the ATM Network the Stellar Online Banking software enables direct linking of a client’s account, without the requirement for a separate account. Jamuna Bank has acted as the lead arranger in rising term loan for a number of projects under syndicated finance and also participated in some cases under such financing arrangement . The management of Jamuna Bank is determined to maintain and upgrade the quality of these Resources through continuous training upgrading technology to keep pace with market demands, new developments and practices of the competitors. Jamuna Bank entered the market at a line when economic policy environment of the country is poised for higher levels of business activities and growth. The prevailing macroeconomic management and the government’s determination to carry on reforms in the banking sector provide a supporting and encouraging environment. The bank has been restructured their seven main business which are responsible for earning the revenues of the bank. These are: Corporate Banking Personal Banking International Trade Finance Offshore Banking Services SME Banking Treasury and Cards 2. 5 Authorized Paid-up Capital: The Authorized Paid-up capital of the bank are tk 2,230,088,400. 2. 6 Corporate Information: Auditors: ACNABIN. Chartered Accountants BDBL Bhobon (13thFloor) 12 Kawran Bazar Commercial Area Dhaka 1215, Bangladesh. Registered Office:Jamuna Bank Limited Head Office 3, Dilkusha C/A, Dhaka 1000, Bangladesh Tel: 9570912, 9555141, Ext. 130 Fax: 880-2-9565762 website: www. jamunabankbd. com Engr. A. K. M. Mosharraf Hussain Al-haj M. A. Khayer 2. 7 Board of Directors: Golam Dastagir Gazi (Bir Protik) Fazlur Rahman Md. Sirajul Islam Varosha Md. Mahmudul Hoque MajumderShaheen Mahmud Md. Ismail Hossain Siraji Farhad Ahmed Akand Kanutosh Gazi Golam Murtoza Siraji Engr. Md. Atiqur Rahman Al-HajNur Mohammed A. S. M. Abdul Halim Independent Director 2. 8 Mission, Vision Slogan: MISSION: The Bank is committed to satisfying diverse needs of its customers through an array of products at a competitive price by using appropriate technology and providing timely service so that a sustainable growth, reasonable return and contribution to the development of the country can be ensured with a motivated and professional work-force. VISION: To become a leading banking institution and to play a pivotal role in the development of the country. SLOGAN: â€Å"Your partner for growth† MANAGING DIRECTOR / CEO 2. 9 MANAGEMENT HIERARCHY OF JAMUNA BANK LTD: DEPUTY MANAGING DIRECTOR SENIOR EXECUTIVE VICE PRESIDENT (SEVP) EXECUTIVE VICE PRESIDENT (EVP) SENIOR VICE PRESIDENT (SVP) VICE PRESIDENT (VP) FIRST VICE PRESIDENT (FVP) ASSISTANT VICE PRESIDENT (AVP) FIRST ASSISTANT VICE PRESIDENT (FAVP) SENIOR EXECUTIVE OFFICER M. T. O. EXECUTIVE OFFICER SENIOR OFFICER PROBATIONARY OFFICER OFFICER JUNIOR OFFICER ASSISTANT OFFICER BANKING OFFICER TELLER / TRAINEE OFFICER / RECEPTIONIST 2. 10 Functions of Jamuna Bank Ltd. i. The Main task of Jamuna Bank Limited is to accept deposited from various customers through various accounts. i. Provide loans on easy terms and conditions. iii. It creates loan deposits. iv. The bank invest it fund into profitable sectors. v. The bank is doing the transaction of bill of exchange, cheque etc. on behalf of the clients. vi. Jamuna Bank Ltd. assists in the Foreign Exchange by issuing Letter of Credit. vii. The Bank issues securities of valuable documents of clients. viii. It brings the increasing profit of dimension of transaction. 2. 11 Values of Jamuna Bank Ltd: Strategies of Jamuna Bank Ltd: To manage and operate the Bank in the most efficient manner to enhance financial performance and to control cost of fund| * To strive for customer satisfaction through quality control and delivery of timely services| * To identify customers credit and other banking needs and monitor their perception towards their performance in meeting those requirements. | * To review and update policies, procedures and practices to enhance the ability to extend better service to customers. | * To train and develop all employees and provide them adequate Resources so that customers needs can be reasonably addressed. * To promote organizational effectiveness by openly communicating company plans, policies, practices and procedures to employees in a timely fashion| Objectives of Jamuna Bank Ltd: * To earn and maintain CAMEL Rating Strong| * To establish relationship banking and improve service quality through development of Strategic Marketing Plans. | * To remain one of the best banks in Bangladesh in terms of profitability and assets quality. | * To introduce fully automated systems through integration of information technology. | * To ensure an adequate rate of return on investment. * To develop and retain a quality work-force through an effective human Resources Management System. | Business Objectives of Jamuna Bank Ltd: * Ensure 100% recovery of all advances. * Ensure a satisfied work force. * Make a sound loan and investment. * Build up a low cost fund base. * Meet capital adequacy recruitment at all the time. * Focus on fee based income. 2. 12 Products services of the jamuna bank ltd. 2. 12. 1 Corporate Banking The motto of JBLs  Corporate Banking services is to provide personalized solutions to their customers. The Bank distinguishes and identifies corporate customers need and designs tailored solutions accordingly. Jamuna Bank Ltd. offers a complete  range of  advisory, financing and operational services to its corporate client groups combining trade, treasury, investment and transactional banking activities in one package. Whether it is project finance, term loan, import or export deal, a working capital requirement or a forward cover for a foreign currency transaction, their Corporate Banking Managers will offer you the accurate solution. Corporate Banking business envelops a broad range of following sectors mainly: * Agro processing industry * Industry (Import Substitute / Export oriented * Textile Spinning,   Dyeing Printing  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚     Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Export Oriented Garments, Industries. Food Allied Paper Paper Products Engineering, Steel Mills Chemical and chemical products etc. * Telecommunications. * Information Technology * Real Estate Construction  · * Wholesale trade * Transport  · Hotels, Restaurants  · * Non Bank Financial Institutions Loan Syndication  · * Project Finance  · Investment Banking * Lease Finance  · Hire Purchase  · Intern ational Banking  · * Export Finance * Import Finance 2. 12. 2 Deposit: A strong deposit base is necessary for success of a Bank. During the year 2011 the Bank mobilized a substantial amount of deposit from mid-level income group people under Short Term Deposit (STD). Total Deposits in the year 2011 was TK. 62,875,675,561. JBL offers the following key Personal Banking Services: * Current Deposit Account * Savings Deposit Account * Short Term Deposit Account * Fixed Deposit Account No limit to the number of withdrawals * No minimum balance fee * Statement of account at their desired frequency * Free cheque book * Q-Cash Round the Clock Banking * All types of general banking facilities * Deposits : Graphical view (in millions) 2011201020112010 2. 12. 3 Loan Advance: Advances constitute the most significant indicator of the health of a Bank. The bank has formulated its policy to give priority to Small and Medium Enterprise (SME). And at the same time the bank is financing large-scale enterprise through consortium of banks. Jamuna Bank is committed to maintain a very high quality of assets. Close monitoring and efficient asset management has resulted in minimal creation of classified loans to total loans and advances. Total Loans and Advances amounted Tk 2,671,524,596 in 2011 against TK 1,072,839,508 in 2010. Jamuna Bank’s Advance portfolio is well diversified and covers a wide range of business and industries. The sectors financed include Manufacturing, Trading, Construction, Agriculture, Fishing Forestry, Pharmaceuticals, Information Technology, Customer Credit and Steel amongst others. 2. 12. 4 Personal Banking Division: Personal Banking Division (PBD) introduces to the customers with a variety of products. Their PBD continuously meets the challenges of developing new products and services to match the specific requirements of customers. Personal Banking Division (PBD) issues both VISA Debit Cards and VISA Credit Cards. VISA is the renowned Card brand in the earth. Jamuna Bank Limited is a principal member of VISA Worldwide. Remittance Cell is another successful wing of the Personal Banking Division. Their product range includes: 1) VISA Debit Cards You can now avail the convenience of VISA Debit Card. It is the easiest and the most secured way of utilizing their money for 24/7 retail purchases as Well as cash withdrawal. VISA Credit Cards The JBL Credit Card gives you a fast, convenient and reliable way to pay, 24 theories a day, wherever you are in the world. * VISA Classic * VISA Gold 2) International Credit Cards – JBL International Credit Cards (VISA) allows you flexibility and convenience when you travel internationally. The VISA International card entitles you to exclusive discounts worldwide. * VISA Dual (Gold) 3)JBL Remittance Cell – â€Å"Remit Fast† is the motto of JBL Remittance Cell. It provides the best faster services to its customers and connects the world through the renowned money exchange agencies. Such as Placid Nk Corporation, Moneygram Payment System Inc. 2. 12. 5 International Trade Finance: International Trade forms the major business activity undertaken by Jamuna Bank Ltd. The Bank with its worldwide correspondent network and close relationships with key financial institutions provides an extensive trade services network to handle their transactions efficiently. Their key branches throughout the country and Offshore Banking Unit (OBU) are staffed by personnel experienced in International Trade Finance. These offices are the focal point for processing import and Export transactions for both small and large corporate customers. They offer a complete range of Trade Finance services. Their professionals will work with you to develop solutions tailored to meet their requirements, through mobilizing their full range of trade services locally, and drawing on their global Resources. They can offer you professional advice on all aspects of International Trade requirements, namely: * Issuing, advising and confirming of Documentary Credits. * Pre-shipment and post-shipment finance. * Negotiation and purchase of Export Bills. * Discounting of Bills of Exchange. * Collection of Bills. * Foreign Currency Dealing etc. Offshore Banking Services Jamuna Bank Limited offers the following range of Offshore Banking services:- * Foreign Currency Deposits (Non Resident entities and NRBs), * Loans in Foreign Currencies, * Credit Facilities including Trade Financing, * Negotiation / Purchase of Export Bills, * Discounting of Export Bills, * Corporate Treasury Services etc. 2. 12. 6 NRB- Banking Foreign Remittance: Jamuna Bank Ltd is one of the most technologically advanced private commercial bank in the country having wide branch associate network throughout the Country. All the branches are running with real-time Online and ATM facilities to settle their transaction from remote areas. They have dedicated NRB desk to ensure personalized services to the valued customers at branch Head Office Level. They have an admirable Remittance Tie-up with a good number of world renowned Exchange Houses and Banks throughout the World to facilitate the Remittance services to the beneficiaries in both as Instant Cash (payment over the counter) and Account credit. Besides Their 66 branch network and ATM outlets throughout the Country, They have also a strong Remittance Settlement Network with different associate Banks, NGOs and Post Office, which cover more than 1000 remote locations throughout the Country. Their main purpose is to cater to the needs of NRBs their beneficiaries offering different products and services both deposit and investment like, FC A/C, NFCD A/C, FC Term Deposit, Wage earners development Bond, USD Premium Bond, USD Investment Bond, Govt. Treasury Bond, Investment in Capital Market through None Resident Investment Taka Account (NITA), Monthly Deposit Scheme, Monthly Income scheme, Double/ Triple growth deposit Scheme, Lakhopoti Deposit Scheme, Millionaire Deposit Scheme, Kotipoti Deposit Scheme, Education Savings Scheme, Marriage Deposit Scheme, Consumer Credit, etc. Prioritizing the needs of NRBs, They are in process to offer different personalized products services by establishing JBL own Exchange Houses in different Countries like UK, USA, Malaysia, Singapore, Italy, Spain, Australia, Japan, etc. They value their customers to provide prompt efficient services offering best competitive price for their hard-earning Foreign Currencies to facilitate Bangladesh bound remittance globally. 2. 12. 7 REAL ESTATE FINANCING Home ownership is a basic need and a dream of every individual. Since housing industry plays a vital role in the national economy, their bank has come forward for Real Estate financing for Individual as Developers. The main objective of Real Estate Financing is to promote Real Estate Developers and Individuals. Scope of Real Estate Loan: * For Construction of Residential Building [CRB] For Construction of Commercial Building [CCB] * For Flat Purchase [FP] * For Building Purchase [BP] * For Developers [DEV] * Purpose: 1) Construction / Extension / Renovation of Residential / Commercial Building. 2) Purchase of Building /Flat /Office Space /Chamber /Shops. * Minimum Income : 1) Net Income/Take home salary will be at least Tk. 40,000/-[forty thousand] per month. * Maxi mum Loan Size : 2) For Flat Purchase Tk. 75. 00 (seventy five) lac 3) For Building Purchase/Construction of Residential Building Tk. 100. 00 (one hundred) lac * Maximum Loan Tenure ) Up-to 15 (fifteen) years including 01(one) year grace period. * Maximum Loan Ratio: 2) 50% of total Purchase Price for Flat / Building. 3) 60% of total Construction cost for Residential/Commercial Building. 2. 12. 8 Credit Facilities: * The main focus of Jamuna Bank Ltd. Credit Line/Program is financing business, trade and industrial activities through an effective delivery system. * Jamuna Bank Ltd. offers credit to almost all sectors of commercial activities having productive purpose. * The loan portfolio of the Bank encompasses a wide range of credit programs. Credit is also offered to major thrust sectors, as earmarked by the govt. , at a reduced interest rate to develop frontier industries. * Credit facilities are offered to individuals including housewives, businessmen, small and big business hous es, traders, manufactures, corporate bodies, etc. * Loan is provided to the rural people for agricultural production and other off-farm activities. * Loan pricing system is customer friendly. * Prime customers enjoy prime rate in lending and other services. * Quick appreciation, appraisal, decision and disbursement are ensured. Credit facilities are extended as per guidelines of Bangladesh Bank (Central Bank of Bangladesh) and operational procedures of the Bank. 2. 12. 9 Foreign Trade: International Trade forms the major business activity undertaken by Jamuna Bank Ltd. The Bank with its worldwide correspondent network and close relationships with key financial institutions provides an extensive trade services network to handle their transactions efficiently. Their key branches throughout the country and Offshore Banking Unit (OBU) are staffed by personnel experienced in International Trade Finance. These offices are the focal point for processing import and Export transactions for both small and large corporate customers. They offer a complete range of Trade Finance services. Their professionals will work with you to develop solutions tailored to meet their requirements, through mobilizing Their full range of trade services locally, and drawing on Their global Resources. They can offer you professional advice on all aspects of International Trade requirements, namely: * Issuing, advising and confirming of Documentary Credits. * Pre-shipment and post-shipment finance. Negotiation and purchase of Export Bills. * Discounting of Bills of Exchange. * Collection of Bills. * Foreign Currency Dealing etc. 2. 12. 10 Import Business: The Bank gained amounting to TK 67,434,512 during 2011 showing a growth of 30. 0% over the volume of Tk. 51,239,873 in the year 2010. 2. 12. 11 Export Business: The total export handling by the bank amounted to TK. 3,965,839,730 for the year 2011 compared to TK 1,372,200,000 for 2010. Import Export: Graphical View 2. 12. 12 Corporate Banking: The motto of JBLs  Corporate Banking services is to provide personalized solutions to their customers. The Bank distinguishes and identifies corporate customers need and designs tailored solutions accordingly. Jamuna Bank Ltd. offers a complete  range of  advisory, financing and operational services to its corporate client groups combining trade, treasury, investment and transactional banking activities in one package. Whether it is project finance, term loan, import or export deal, a working capital requirement or a forward cover for a foreign currency transaction, Their Corporate Banking Managers will offer you the accurate solution. Their corporate Banking specialists will render high class service for  speedy approvals and efficient processing to satisfy customer needs. 2. 12. 13 International Trade Finance: International Trade forms the major business activity undertaken by Jamuna Bank Ltd. The Bank with its worldwide correspondent network and close relationships with key financial institutions provides an extensive trade services network to handle their transactions efficiently. Their key branches throughout the country and Offshore Banking Unit (OBU) are staffed by personnel experienced in International Trade Finance. These offices are the focal point for processing import and Export transactions for both small and large corporate customers. They offer a complete range of Trade Finance services. Their professionals will work with you to develop solutions tailored to meet their requirements, through mobilizing their full range of trade services locally, and drawing on Their global Resources. They can offer you professional advice on all aspects of International Trade requirements. 2. 12. 14 Shop Finance Scheme: Objectives: 01. To enable the small business community to run the business smoothly 02. Facilitating  expansion of the existing businesses 03. To improve the banking habit of self employed persons 04. To diversify banks lending to Small ; Medium Enterprises (SME) which are considered as less risky and help community developments. It may be noted down that the government is also encouraging investment in SME sector. 2. 12. 15 Consumer Banking: The consumer finance center has diversified its products ; facilities along with various incentives to customers having long relationship through recurring deposit accounts. They provide consumer loan for various products which are given below. . 12. 16 Q-Cash Round The Clock Banking: Jamuna Bank Q-Cash ATM Card enables you to withdraw cash and do a variety of banking transactions 24 theories a day. Q-Cash ATMs are conveniently located covering major shopping centers, business and residential areas in major cities. The network will expand to cover the whole country within a short span of time. With their Jamuna Bank Q-Cash ATM ca rd you can: * Cash withdrawal Round The Clock from any Q-Cash logo marked ATM booths. * POS transaction (shopping malls, restaurants, etc) * Enjoy overdraft facilities on the card (if approved) Utility Bill Payment facilities * Cash transaction facilities for selective branches nationwide   * ATM service available in Dhaka and Chittagong Withdrawal allocated from ATMs of Jamuna Bank Ltd. , AB Bank, The City Bank, Janata Bank, IFIC Bank, Mercantile Bank, Pubali Bank, Eastern Bank Ltd. respectively * And more to come Is Q-Cash In line with the issuance of Q-cash products JBL is going to introduce VISA card very soon. 2. 12. 17 Product Service on Credit: Product Service Consumer Credit Scheme (Coverage) Debit Cards Credit Cards Commercial Credit 1. House finance 2. Auto loan 3. Consumer durable loan 4. Loans for Professionals 5. Unsecured Personal loan 6. Senior citizen support 1. ATM Card 2. Credit Card 1. Over Draft (OD) 2. Secured Over Draft (SOD) 3. Term loan Other Facilities: Export, Import Post Import Financing (L/C,BBLC,LTR,PC) 1. Bills discounting 2. Bills purchase 3. Bank guarantee 2. 12. 18 Trading of Government Treasury  bond Other Govt. Securities: Jamuna Bank Limited has been nominated as a Primary Dealer by the Bangladesh Bank for trading 5 years 10 Years Treasury Bonds and other Government Securities. 1. Eligibility criteria: )Individuals and institutions resident in Bangladesh, including provident funds, pension funds, bank and corporate bodies shall be eligible to purchase the BGTBs. b)Individuals and institutions not resident in Bangladesh shall also be eligible to purchase  Ã‚   the BGTBs, with coupon payment and resale/redemption proceeds transferable abroad in foreign currency subject to fulfillment of conditions as mentioned in the Bangladesh Govt. Treasury Bond Rules-2003. 2. Loan facility: JBL offers loan up to 95% of the present value of the bond/other securities against lien of the above instrument for their customers. Interested Financial Institutions/Corporations/Insurance Companies/ Individuals are requested to contact the Bank in the following address: 2. 12. 19 Remittance: Jamuna Bank has been involved in serving the remitter for the last 6 years and the volume of remittance is increasing every year . In 2011 , it reached Tk. 15,555 million . At present, the Bank’s global partners in remittance system are 21 in numbers. * 5 Years Performance of Remittance : (million) 2. 12. 20 Highlights of Jamuna Bank Ltd’s Performance: * Table-2. 1: Highlight of BA Ltd. Performance Particulars| 2010| 2011| Deposits and other accounts| 60,673,564,672| 62,875,675,561| Loans Advances| 1,072,839,508| 2,971,524,596| Foreign Trade| 83,697,730| 87,536,380| Investment| 10,891,022,386| 12,228,148,092| Total Assets| 71,063,772,785| 77,123,907,521| Operational Profit| 35,582,311| 632,114573| Profit After Tax provision| 140,684,279| 330,571,434| Import| 50,985,000| 67,378,308| Export| 25,155,309| 30,953,405| Remittance(Inward)| 11,648,300| 15,555,120| Classified Loans| 172,670,535| 785,078,887| Earnings Per share (TK. )| 60,820,590| 90,456,885| Net Assets Value Per Share (TK. )| 191. 14| 230. 98| Return on Equity| 25. 00%| 42. 03%| Proportion of Value Addition : Year 2011 2. 12. 21 Islamic Banking Operation: To meet the growing demand of Muslim people Jamuna Bank Ltd. introduced Islamic Banking alongside the conventional banking through opening of Islamic Windows at its Jubilee road Branch, Chittagong Noyabazar Branch, Dhaka on 24. 12. 2010. The operation of Islamic Window is totally different from the Bank’s conventional operation as the former operate their business on the basis of Islamic Shariah. Income sharing module, a unique model of Jamuna Bank Ltd, is a vital element of Islamic Banking operation. The management of the Bank already planned to open new branches with Islamic Banking covering the whole country. All Islamic Banking activities are guided monitored by the Shariah Council of the Bank. The Shariah Council consists of 11 members including some elite Islamic scholars of the country. The Islamic Banking Wing started with some customer focused products, like * Mudaraba Savings Scheme (MSS) * Al-Wadiah Current Account (AWCA) Mudaraba Special Notice Deposit Account (MSND),M * Mudaraba term Deposit Account (MTDA), * Mudaraba Hajj * Mudaraba Deposit Pension Scheme (MDPS), and * Mudaraba Monthly Profit Paying Deposit Scheme (MMPPDS). 2. 12. 22 ATM: Currently Jamuna Bank customers have access to 63 ATMs . Out of which 30 are banks owned and 33 are under common ownership as member of Cash Link Bangladesh . The Bank is in the process of setting up its own ATM network at eve ry important point in Dhaka, Chittagong, and other areas of the country with a view to providing retail banking service. . 12. 23 Treasury Foreign Exchange: Bank’s treasury sells foreign currencies to its customers for import payment and buys foreign currencies from exporters out of their export proceeds and inward remittance from various exchange houses. Along with managing local currency , Treasury monitors Bank’s inflow and outflow of foreign currency . 2. 12. 24 Online Banking: Jamuna Bank Limited has introduced real-time any branch banking on April 05, 2005. Now,  customers can withdraw and deposit money from all branches located throughout the Country. Their valued  customers can also enjoy 24 theories banking service through  ATM card from any of Q-cash ATMs  located at different location throughout the Country. All the existing customers of Jamuna Bank Limited will enjoy this service by default. Key features: * Centralized Database * Platform Independent * Real time any branch banking * Internet Banking Interface * ATM Interface * Corporate MIS facility Delivery Channels: * Branch Network * ATM Network * POS (Point of Sales) Network * Internet Banking Network 2. 12. 25 Foreign Currency Accounts: Following the liberalization of exchange controls Bangladesh Bank has authorized the banks to maintain different types of foreign currency accounts and convertible taka accounts. The following are the regulations laid down by Bangladesh in respect of these accounts. 2. 12. 26 SWIFT Jamuna Bank Limited is the member of SWIFT (Society for Worldwide Inter-bank Financial Telecommunication). SWIFT is a member owned co-operative, which provides a fast and accurate communication network for financial transactions such as Letters of Credit, Fund transfer etc. By becoming a member of SWIFT, the bank has opened up possibilities for uninterrupted connectivity with over 5,700 user institutions in 150 countries around the world. SWIFT No. : JAMUBDDH 2. 12. 27 Trading of Government Treasury Bond Other Govt. Securities Jamuna Bank Limited has been nominated as a Primary Dealer by the Bangladesh Bank for trading 5 years 10 Years Treasury Bonds and other Government Securities. 1. Eligibility criteria: i) Individuals and institutions resident in Bangladesh, including provident funds, pension funds, bank and corporate bodies shall be eligible to purchase the BGTBs. i) Individuals and institutions not resident in Bangladesh shall also be eligible to purchase the BGTBs, with coupon payment and resale/redemption proceeds transferable abroad in foreign currency subject to fulfillment of conditions as mentioned in the Bangladesh Govt. Treasury Bond Rules-2003. 2. Loan facility: JBL offers loan upto 95% of the present value of the bond/other securities against lien of the above instrument for their customers. 2. 12. 28 Operating Profit: (in millions) Operating Profit After Tax: 2. 13 Human Resource Management: Human Resource Management is the process of acquiring, training, appraising and compensating employees and of attending to their labor relationship, health and safety. It is concerned with â€Å"people† dimension in management . The five basic function of HRM are given below. * Planning * Organizing * Staffing * Leading * Controlling To get effective and efficient output from the organization’s most valued assets , the bank creates an atmosphere so that people can contribute individually and collectively to achieve the objectives of the bank . nowledge and skill development is a continuous process to keep the employees abreast of all the latest developments in the banking sectors , the bank continues to organize various training programs and workshops . Now total number of regular employees is 1,031 . 2. 13. 1 Corporate Social Responsibility (CSR): Corporate Social Responsibility (CSR), also known as corporate responsibility, corporate citizenship, responsible business, sustainable responsible business (SRB) and corporate social performance is a form of corporate self-regulation integrated into a business model. Ideally, CSR policy would function as a built-in, self-regulating mechanism whereby business would monitor and ensure their adherence to law, ethical standards, and international norms. Business would embrace responsibility for the impact of their activities on the environment, consumers, employees, communities, stakeholders and all other members of the public sphere. Furthermore, business would proactively promote the public interest by encouraging community growth and development, and voluntarily eliminating practices that harm the public sphere, regardless of legality. 2. 13. 2 SWOT Analysis: SWOT Analysis is a strategic planning method used to evaluate the Strengths, Weaknesses, Opportunities, and Threats involved in a project or in a business venture. It involves specifying the objective of the business venture or project and identifying the internal and external factors that are favorable and unfavorable to achieving that objective. 2. 13. 3 Performance Appraisal: The assessment of how successful employees have been at meeting their individual goals, therefore, becomes a critical part of Human Resource Management. This leads us to the topic of performance appraisal. There are basically three purposes to which performance appraisal can be put. * It can be used as a basis for reward allocations. * This appraisal can be use for identifying areas where development efforts are needed. * The performance appraisal can be used as a criterion against which selection devices and development programs are validated. HRM in Jamuna Bank 3. 1 HRM of Jamuna Bank: The organization has its personal department. This department maintains all activities of Bank under direction of Bangladesh Bank. The main objective of this department is to manage the human assets of the organization. HR management is a part of every organization. This includes placing the right person in the right job, and then orientating, training, and compensating to improve his/her job performance. Like any organization Jamuna Bank Limited also believes, Employees are the most valuable assets in the organization. Human Resource Division is responsible for the dimension of people of the organization. The responsibilities are to hire competent people, train them, and assist them to perform at high levels and mechanism to ensure that these employees maintain their productive affiliation with the organization. Human Resource Division of Jamuna Bank Limited is solely responsible mainly for recruitment, training and development, ensuring compensation and benefits of staffs, performance appraisal and rewards. With all those core functions Human Resource Division linkage its operations meet the organization’s main objectives. 3. 2 Human Resource Department (HRD) of Jamuna Bank: Human Resource Division of Jamuna Bank is one of the most valuable departments with the responsibilities of staffing, training and development, organization development, performance appraisals, rewarding, control and maintenance etc. The HRD of Jamuna Bank consists of competent and experienced executives to carry out the whole responsibilities. The Human Resource Division of Jamuna Bank stands in its Corporate Office at mail Branch under the direct supervision of the top management. 3. 3 Function of HRD: * Improving performance. * Ensure the right person at right job. * Improving the Employee Efficiency. * Arranging training program. * Compensating employees. * Promotional activities. * Ensuring skilled people. * Performance evaluation of the employee 3. 4 Organ gram of HRD of Jamuna Bank: Head of HRD Operations Remuneration Training ; Development Management Information System 3. 5 HR Practices of Jamuna Bank Limited: HR Planning Orientation Recruitment Selection Training ; Development Performance Evaluation Compensation ; Benefit Career Development 3. 6 Recruitment/Appointment: Recruitment ; Selection process starts with employment or personnel planning. This is the process of deciding what positions the firm will have to fill and how to fill them. Recruitment procedure is commerce within the bank due to turnover, promotion, retirement, new business strategy, etc. Strategies of Recruitment: Bank recruit its manpower from two Strategies: Internal Training * External Training 3. 7 Trainee Officer: On need basis, whenever a vacancy arises by various reasons or new business need; recruitment will be made through a basic job related written test and an interview session commanding by the Head of Human Resources. Suitable candidates are selected from the dropped application for various post and high recommendations. Minimum qualifi cation for this level is graduation from any reputed university. 3. 8 Management Trainees: Management trainees are required on planned basis to develop a team of young potential fresh graduates as future leaders of the bank. The numbers of selection determined every year depending on the changes in business and turnover. The selection process is done through a stiff competing method. The candidates are expected to be with high academic performance from any reputed University. Written exam covers information technology, mathematical aptitude, English, general knowledge, economics and general questions. After primary selection candidates have to face a long interview session with the top management. After all procedure there is few candidates can convince the higher management and appointed as Management Trainee of Jamuna Bank. . 9 Lateral entry: External recruitment at any level made only when, internal successor is not available or totally a new position created for the business need or/and a technical job arises. This may be done by publicizing the position opening through newspaper advertisements in leading national dailies or throughout the online job portal as Jamuna Bank is the corporate client of à ¢â‚¬ËœBD Jobs† 3. 10 Employment offer: The Employment offer is made after finishing all the selection procedure duly approved by the Managing. Employment offer consists of joining open period, particulars of salary, position etc. ith the employment offer the required documents and pre-medical tests report are asked by the HR department. 3. 11 Probation period: Employees appointed from trainee officer to officer level will be on probation; normally one year. The probation period for the management trainee is six month from the date of joining. This period will provide the new employees the opportunity to appreciate whether the job is suitable for him/her. 3. 12 Confirmation: On satisfactory completion of probation period and recommendation by the functional head the incumbent will be confirmed as the permanent employees of Jamuna Bank. . 13 Dismissal: An employee will be dismissed from the bank’s service if he or she is found guilty of misconduct or whatsoever according to the report of the enquiry committee. The concerned dismissed employee will get only the own contribution of his/her provident fund. 3. 14 Discharges on Medical Ground: If an employee is incapable to continue his/her service for continue ill health, mental abnormality and disorder, then the management may discharge him/her from service on medical ground.. 3. 15 Training and Development: Bank’s policy is to train and develop employees at all levels so that they can contribute towards the organization’s growth and also enhance their own development. Development is seen as a joint responsibility of the individual and his/her manager. Training needs will be identified and individual during the performance appraisal process and employees will be nominated to various programs of the following types * Induction (to orient the new entrant about the organization) * On the job training * Function based skill training * General management training 3. 16 Performance Appraisal System (PAS): Performance appraisal system (PAS) is the tool by which They measure the performance of an individuals and identify the gaps and plan future development in order to enable a better feet between the jobs and the incumbent. It is an HR process for driving business results. It is defining in advance what they must do as an individual to win in the market place and later on assessing the performance based on the extent to which they achieve result. Performance appraisal system is quite structured that it can measure of assess both goal (What) and the management competencies (How). 3. 17 Appraisal Process: Establish performance standards Communicate performance expectations to employees Measure actual performance If necessary initiate corrective action Discuss the appraisal with the employee Compare actual performance with standards 3. 18 Appraisal Methods: The previous section described the appraisal process in general terms. They now want to move from the general to the specific. In this section, they will look at hoe management can actually establish performance standards and device instruments that can be used to measure and appraise an employee’s performance. Three different approaches exist for doing appraisals. Employees can be appraised against: * Absolute Standards Essay Appraisal Critical Incident Appraisal Checklist Graphic Rating Scale Forced Choice Behaviorally Anchored Rating Scales (BARS) * Relative Standards Group Order Ranking Individuals Ranking Paired Comparison * Management by Objectives (MBO) Salaries: Employees joining against a post will receive the salary as per the grade they join in. The employees who are in probation will be eligible to join the PF only after their confirmation. Salaries increase which is linked with the performance of the individual employee per calendar year. Any request for information relating to salary should be directed to the Human Resources Department. Increments: Salary increases once a year on the basis of increment policy to all employees who have performed satisfactory in the given year for a minimum period of 180 days after confirmation of service. One may not receive any increment on a given year as a penalty on account of any offence/disciplinary measure. Promotion: Promotion depends on the availability of a position in the higher grade and a proven track record of an individual’s capabilities of taking over the management committee decides to upgrade the job. Promotion to the rank and status of executive level depends on the management committee. All promotions shall be approved by the management committee. * In the event of promotion/up-graduation to a higher job grade, the employee will receive an increase of his/her previous basic salary and all other allowances applicable in the higher grade. End of Service Benefits (EOSB): This is the mix of benefits he/she will gain after leaving the company normally. It will be the blends of provident fund, gratuity, loan deductions, service excellence etc. after resignation FR department takes one month to calculate and issue EOSB to that ex-official Festival Bonuses: The following employees normally to receive festival bonus as under- | Employment category| Payment system| 1| All regular officers and staff| One month’s basic pay both in Eid-ul-Fitre and Eid-ul-Azha. | 2| Officer on contract| As per contract| 3| Officer/employees on probation or who have not completed six month’s service. | 50 % of basic| 4| Executives’ personal drivers/ outsider employees/workers| Monthly consolidated wages | 4| Officer/employees on probation or who have not completed six month’s service. | 50% of basic | | Performance Bonus: The Bank may award performance bonus from time to time depending on the actual profit made in a given year. This bonus is subject to payment only upon approval. . This bonus will only be awarded to those who have completed 180 days confirmed service with the bank and made significant contribution towards achieving the profit target over and above the normal target. Convence: Convence is paid to the employees according to their position and cost Break down of monthly salary of Jamuna Bank: Head of Accounts| Taka per Month| Basic Pay| | House Rent Allowance| | Conveyance Allowance| | Medical Allowance| | Utility Allowance| | Entertainment Allowance| | Leave Fare Concession| | Personal pay| | 3. 19 Future planning of HRD of Jamuna Bank: It is to mention that the Human Resources Department of Jamuna Bank is under massive reconstruction under supervision of new Chairman ; Head of Human Resources. This is expected that within the end of this year the HRD of Jamuna Bank will get new look to its internal customers; strengthen on. * Performance Appraisal tool * Training need identification * On the job training * In house training * External training Hire of reputed faculty * Overseas/regional training * Long service awards * Cultural evenings * Family day * Event based dinner/lunches * In house magazine * Meetings * Memorandum * Electronic bulletin board. 3. 20 SWOT Analysis HRD of Jamuna Bank: Strength Open HR Manual: The Human Resources Manual of Jamuna Bank is open to all of its entire employee give total understanding of the terms and condition of the organization to its entire employees to assist the benefits and growth they can ever achieve and the role of Human Resources Department with all other departments of the organization. Employee Work Force: The Human Resource of Jamuna Bank is well prepared and perfectly managed. As from the very first, top management beloved in empowering employees, where they refused to put their finger in every part of the pie. Strong Bonding and Belongingness: Jamuna Bank’s employees are one of the major assets. The employees of bank have a strong sense of commitment towards organization and also feel proud and a sense of belonging towards Bank. This strong organizational culture of Jamuna Bank is a main strength of the organization. Information Technology: Online banking, email, personal computer for all employee enabled the employees work easier and faster with full of professionalism. All kinds of Benefits, salaries, monetary rewards directly given to employee’s bank account through STELAR. Employee Evaluation: Employee evaluation process by Human Resources Division became strength for its fair judgment and put trust among the employees of other department on Human Resources Department. Regional Banking: Regional banking means the core function of any region is coordinated by the regional head, such as Recruitment. Competitive Salary and Low Turnover: The salary package of Jamuna Bank is very much competitive to the market demands, so the turnover of manpower is decreasing day by day. Service Excellence: Employee’s code of conduct or service manual is practiced y by the employees. There is a coordination of HRD to measure the perfect evaluation of the employee’s performance. Weakness: Job Description: Job description is a necessary accomplishment should have for each position for recruiting the most suitable candidate on the basis of skill and experience required. Still hundred percent job descriptions on the basis of skill and experience required. Still hundred percent job descriptions is not prepared or collected by the HR Division. HR Accounting: Human Resources accounting is a strong tool for matching the benefits of each new recruitment done in the organization, calculation turnover, etc. Human Resources Division of Jamuna Bank is not yet established this practice. Compensation and Benefits: Compensation and benefits of Jamuna Bank’s employees is provided by the Human Resources Division through software which is not easy to use. Opportunity: Human Resources Information System: Human Resources Information System is must for a corporate environment like Jamuna Bank. Jamuna Bank has its own HRIS. Research and Development: Though Jamuna Bank has almost all due capabilities to command extensive research and development activities, Jamuna Bank done a little in this. Training and Learning: Training and learning is the core function for making the executives cope with the new scenario and make then update and knowledgeable. Jamuna Bank is going to utilize its fullest capacity and enthusiasm in this regard. Threats: New/Multinational Companies/Bank Policy: New multinational companies and bank policy as threat to Jamuna Bank in respect of increasing the salary expectation of the employees and new HR practices that turning the existing employees dissatisfied. Bangladesh Bank Regulation/Legislation: The regulation and legislation of Bangladesh bank is randomly changing the scenario of the human Resources policy and scope suddenly. 3. 21 Problem identification Traits| Descriptions| Problems Rate (%)| Standard is not yet Set| First problem of Human Resource Division is the level of standard which is not yet up to the mark. The operation and workflow of the department is still complex. | 40%| Identical HR Policy| After 11 years of business excellence, an individual Human Resources policy is absent. The existing policy demands refurbishment to set unique standard. | 60%| Lack of Proper Development| In HR Division there is the huge lack of development activities, the employee joining Jamuna Bank should be taken under a cordial orientation program which is absent. 30%| Lack of Proper Training| Proper training is very important issue for the employee specially occupy with the financial organization. In Jamuna Bank proper training need requirement is not justified rather done by the employee’s personal interest| 30%| Performance Appraisal System| Performance appraisal system is very important issue for Human Resource Department as it is the benchmark on which the promotion, incre ment, performance bonus, reward ; recognition are done. The existing system is not justified; from the previous experience it was found that the rating does not bear the true demonstration of the overall performance. The difference between the five rates is not properly measured and somewhat biased in many cases. | 60%| Human Resource Impact| After passing its 11 years anniversary of its service still Human Resource Department is acting as Human Resource Department than act as Human Resource Business partner. | 20%| 4. 1 Identical Human Resource Policy: There should be a unique HR policy in the organization immediately; through the recognition of HR policy is under progress supervised by the Manager and the head of HR. 4. 2Human Resource Development: There should be all kinds’ development activities as individual, career and organizational by the Human Resource Department for enhancing the employee’s growth as Well as achieve organizational hierarchy. 4. 3 Training Need Assessment: Jamuna Bank has all the potential capabilities to make its employee more efficient and help being the future leader. Training is a common practice for the employees of any bank. This training should be organized by the human Resource department only through need assessments. it can be examines through the performance evaluation process by which HRD will determine where he/she should have some more exposure. 4. 3 Performance Appraisal System: The existing appraisal system can be changed or modified and new system could be developed which will articulate the accurate picture. The criteria of evaluation should cover more competencies of an employee. 4. 4. 1 Linkage among Other Division: For better services, HRD must establish a proper linkage within the other functional departments. A department like HRD cannot perform in isolation where Human Resource Department is in the core of all other department. 4. 4. 2 Reward and Recognition: Only higher salary package cannot satisfy a self motivated and exposed employee in higher level. The employee wants recognition and reward for their self actualization. 5. 1 Conclusion ; Remarks: As an omnipresent financial organization in today’s cosmopolitan economy, banking sector deals with the shrewdest part of the economy. If is notably important for a country to ensure quality banking service for fertilizing the economic sector and enhancing the overall business and manufacturing environment of the country that will ultimately accelerate the national growth wheel. In recent times in Bangladesh banking industry has been considered the most prospective, compared to the other service sectors, for their quality service and transparency. At past only the government banks Are in operation and people had no other alternative to go to those institutions for service. But now the scenario is quite different. A good number of private banks are rendering service and a tough competition exists in this sector. And the service of bank has received diversified views in recent times. Now a days, a bank is not just selling services but they may define it as selling of solution to the business community as a whole to the society basically solution for the finance. So it is very important to ensure most efficient work force with innovative ideals and proper technological back up to render such an important solution to the society that will ensure sustainable growth of the economy. Today’s business world is self-motivated and ever varying. To cope up with all these changes and adopt with new scenario a group of skilled and talented word force is the first requirement. Jamuna Bank has rightly focused don skill development of employee and at the same time introducing technology in almost every step of its day-to-day activities to insure prompt and quality service. Besides frequent training program is also conducted by the bank to increase the level of employee efficient. This should be further strengthened, as there is no alternative of training in banking sector as here practice and xperience along with training can make the deference. And They have to focus on the current competition level in the industry as in such a small economy They have 52 banks and the giant nationalized banks are contemplating to come with private management. And this will make the competition more severe. And is such a severe competition only way to be the front line in the race is to go with learning process and adoption of latest technology. This will help us to read the environment properly and adjust in the changed environment. Jamuna Bank needs to put its landmark in the rural areas and other prospective remote corners of Bangladesh to expand its client base and expanded market. It should enhance the advertising in the electronic media to get acquainted with vast prospective customers of the country. In spite of short comings I tried my level best to make the report fruitful. I apologize for making errors in the report. During the period of practical exposure, I have across a lot of interaction with people, got neared with personal feelings. But it is very difficult for me to express my personal observations and feelings as an outsider for a very few days. Jubilee Branch has a very good working environment. Jamuna Bank will not only help to retain existing customers, but it will also help to drag new customers through positive word-of-mouth communications. Also it will help to attract new segments with different needs. Thus, Jamuna Bank should focus on increasing its market share by providing quality service as promised ; at the same time, providing new products/services that would satisfy customer need even more; creating a competitive advantage over its competitors. Jamuna Bank, started for â€Å"Your partner for growth† Its gracious and amiable environment, commitment to service and ability to proved equality, at low cost, with high efficiency has been able to d