I declare that I have wholly undertaken the study reported herein under supervision Essay

The Lord has been faithful in granting me the strength, wisdom, knowledge and the courage needed throughout the period of study. My sincerest appreciation goes to my supervisor, MR. MICHAEL NKONYAA for his guidance and constructive criticism through the preparation of the work. He is largely responsible for the success of this work and I am very much grateful. To my husband Solomon Kweku, to my colleagues in MBA Finance 2012/2013 in whose company I stayed and formed my thoughts I say God richly bless you for the fellowship and love we shared. To the Staff and Management of Growth Capital Microfinance, wish to express my sincere gratitude to you for your support and co-operation. Finally, I wish to thank all authors of various research works and articles I made use of in writing of this work, indeed, your research works and articles have served as major sources of literature and knowledge. ABSTRACT This study examined effects of microfinance on small and medium enterprises in the Accra Metropolis, in the Greater Accra Region. .The population of the study comprised clients and staff of Micro finance Institutions (MIF). A sample of 60 clients and eight staff was used for data collection. Two interview guides were used separately to collect data from staff and clients. The return rate of data collection was 8(100%) for staff and 55(91.7%) for clients. Data collected was analysed manually and electronically. The statistical product and service solution (SPSS) was used for the electronic analysis in which descriptive statistical tools were used for data presentation and discussion. Results of the study indicated that microfinance s impacted positively on the social and economic lives of SMEs operators. The research also indicates that MFIs have had a positive effect on the growth of SMEs. Some of the critical contributions of MFIs include; greater access to credit, savings enhancement and provision of business, financial and managerial training. Irrespective of the contributions of MFIs to SMEs, there are challenges that affect their operations of both SMEs and MFIs. The major challenge faced by SMEs is the cumbersome process associated with accessing credit of which collateral security and high interest rate are major setback. The MFIs on the other hand, face some challenges relating to credit misappropriation and non-disclosure of the relevant facts of their businesses. In the final analysis, the research clearly reveals that MFIs have a positive effect on the growth SMEs. In other to enhance a sustained and accelerated growth in the operations of SMEs credits should be client-oriented and not product- oriented. Recommendations were made to MFIs, Specifically, MFI was asked to put in measures that could help reduce interest rates, train operators of SMEs on proper business practices Proper, extensive monitoring activities should be provided for clients who are granted loans and SMEs were asked to adopt effective bookkeeping modalities.

Particular population or society Essay

While people consider themselves unique individuals in terms of their personality, habits, opinions, attitudes personal quirks, there are many habits, beliefs and attitudes that are common to most people, especially those living a society. The culmination of language, religious beliefs, music, food preference, works habits, etc. of a particular population or society is known as its culture (Ember and Ember, 1993, p. 6). Culture is unique for every society or social group that sometimes what some would consider taboo like eating dog meat is actually part of another society’s customs. In theory, everyone should be open to other society’s culture but in reality, that does not happen often. An individual who gauges others culture is said to be an ethnocentric (p. 159). The attitude is termed ethnocentrism . This denotes that the person has difficulty criticizing his/ her own customs and traditions precisely because his/her vision is limited to his/her owns. Ethnocentrism does not only affect the individual’s view on other persons but influences the society as well. Watching a foreign film is one way to measure if one is open to other cultural experiences. I Not Stupid is a Singaporean film tackling the intertwined lives of three primary school classmates: Terry, Kok Pin and Boon Hock (Leong, Yin and Neo, 2002). It offers a glimpse of many facets of Singaporean culture: the education system that looks down on students in the bottom (the three are in EM3, which ranks lowest), the Chinese self-loathing (in a class, one character says she wants to be Caucasian when she grows up so she does not have to speak Chinese), the high regard for English (one mother speaks English to her children, another one stresses that in order to succeed in Singapore, one must be a master at English and Math), and Caucasian (a Caucasian was hired as director even though it was clearly evident that the local staff are more knowledgeable, equipped and deserving of the position; there is even a scene when the Singaporean boss approves the Caucasian’s concept even though it was the same concept presented by the locals, which he vehemently rejected), and the over obedience Singaporeans are known for (2002). The Singaporeans’ affair with Ba gua, or Chinese Pork Barbecue as well as their reliance on gods and goddesses to grant their favors is also shown in the film. Such rituals, as evinced in the film, may be common in Singapore but a North American, especially an ethnocentric, may find it peculiar or even distasteful. It must also be stressed that Singapore has a close relation with China so some of China’s cultural beliefs and customs are integrated into Singapore. The film is sprinkled in Chinese, English and Singlish, short for Singaporean English. Colonial mentality may be picked up from the film, judging the characters’ high regard for Westerners. The existence of Singlish is also a sign that Singaporeans, albeit already successful and one of the most economically driven countries in Asia, still feel the need to level on some ways with the Western countries, which this writer finds interesting. Imagine, in North America, there are students eager to learn other languages while in Singapore and other countries where there are other main languages aside from English, they already have the advantage of learning another language easily. Again, this is ethnocentrism at work. Another glaring cultural element that is shown in the film is Singaporean’s deference to power. Terry, one of the main characters, cannot stands on his own and always follows his mother. This is supposedly a jibe at Singaporeans’ compliant nature. If a similar event happened in North American, the kid is likely to fight back. But then again, this is Singapore and as said by one character, â€Å"It is difficult to catch fish in Singapore, because fish in Singapore are like Singaporeans, they’ll never open their mouths† (Leong, Yin and Neo, 2002). Ethnocentric thinking causes people to misunderstand other society’s culture and at the same it keeps them for understanding their own. The film I not Stupid is a satirical comedy carping on some of the country’s modern culture. Perhaps the producers are also ethnocentric but regardless of it, the film provides a peek at Singapore’s norms and values, which in essence is simply the country’s way of life. References Ember, C. and Ember, M. (1993). Anthropology 7th ed. New Jersey: Prentice Hall. Leong, D. and Yin, C. P. (Producers), and Neo, J. (Director). (2002). I not stupid [VCD]. Singapore: United International Pictures.

Addressing Public Display of Affection at School

Public Display of Affection—or PDA—includes physical contact including, but not limited to, intimate touching, hand holding, fondling, cuddling, and kissing at school or a school-sponsored activity between two students typically in a relationship. This type of behavior, while innocent on some levels, can quickly devolve into a distraction for the students engaging in the practice, as well as other students who witness these public displays of affection. PDA Basics PDA is often considered a public profession of how two people feel about one another. Schools typically see this type of behavior as a distraction and inappropriate for a school setting. Most schools have policies that forbid this type of issue on campus or at school-related functions. Schools typically have a zero-tolerance stance on PDA because they recognize that even innocent displays of affection can turn into something more. Being overly affectionate can be offensive to many people,  though a couple caught up in the moment may not be aware that their actions are offensive. Because of this, schools must educate their students on the issue.  Respect is a critical component  of character-education programs in schools everywhere. Students who regularly engage in acts of PDA are disrespecting their peers by subjecting them to witnessing their affection. This should be brought to the attention of the over-affectionate couple who were probably too caught up in the moment to consider others who were around them. Sample PDA Policy To handle and forbid public displays of affection, schools need first to recognize they have a problem. Unless the school or school district sets specific policies forbidding PDA, they cannot expect students to simply know the practice is forbidden or at least discouraged. Below is a sample policy a school or school district can employ to set a policy on PDAs and prohibit the practice: Public School XX recognizes that genuine feelings of affection may exist between two students. However, students shall refrain from all Public Displays of Affection (PDA) while on campus or while attending and/or participating in a school-related activity.Being overly affectionate at school can be offensive and is generally in poor taste. The expression of feelings toward one another is a personal concern between the two individuals and thus should not be shared with others in the general vicinity. PDA includes any physical contact that may make others in close proximity uncomfortable or serves as a distraction for themselves as well as innocent onlookers. Some specific examples of PDA include but is not limited to: Tips and Hints Of course, the previous example is just that: an example. It may seem overly harsh for some schools or districts. But, setting a clear policy is the only way to minimize or stop public displays of affection. If students dont know the school or districts view on the issue—or even if the school or district has a policy on public displays of affection—they cannot be expected to abide by a nonexistent policy. Turning away from PDAs is not the answer: Setting a clear policy and consequences is the best solution to creating a school atmosphere that is comfortable for all students and teachers.

Elmhurst College Admission ACT Scores, Acceptance Rate

The Effects Of Parental Substance Use Disorder On...

The Impact of Parental Substance Use Disorder on Childhood Development Kemeshia N. Maith Morgan State University The Impact of Parental Substance Abuse on Childhood Development Substance abuse disorders are significant public health concerns and rank among the most common psychiatric disorders beginning in young adulthood. Substance abuse is considered low or infrequent doses of alcohol or drugs such that damaging consequences are rare or minor (Child Welfare, 2012). Such abuse can cause social, mental, emotional, and behavioral problems. Although there are numerous studies that discuss issues of substance abuse, there is a lack of response towards childhood development impacted by parental substance use disorder (PSUD). PSUD impacts the child’s physical, psychological, social, and behavioral development. Based on data from 2002 to 2007, approximately 7.3 million children lived with a parent who was dependent on or abused alcohol and about 2.2 million lived with a parent who was dependent on or abused illicit drugs (SAMSHA, 2009). PSUD is prevalent amongst children who experience high level of violence, become victims of abuse and neglect, and struggle with emotional difficulties. It is also prevalent amongst parents associated with child protective services ranging from 50% to 80%. (Abadinsky, 2008) stated that children become addicts on the basis of interpersonal conflicts related to unresolved family issues or problematic parentalShow MoreRelatedEmotional Trauma Within The Family1568 Words   |  7 PagesFamily Parental substance abuse directly affects the emotional well-being of children within the family. 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Personal Statement for PGCE

Questions: Discuss these personal statement facts:1. IT caught my interests when carrying out my GCSEs in secondary school, from there I pursued IT through my A levels, FdSc, and recently completed my BSc degree which is revelent to the PGCE. 2. I was first inspired to pursue the PGCE in teaching when I carried out a small micro teach in the FdSc course, although the micro teach its self was only 30 minutes long is was an exciting experience bla bla. 3. I appreciate that students have different learning styles, I myself am a tactile learner so unlike most students who learn through auditory, visual manner, I learn by carrying out activities, being more hands on, so Ill be likely to be a little more aware bla bla? Answers: In order to develop my personal statement, I am in need of better understanding of my duty and essentiality which may let me to be applied for PGCE in teaching profession. In this section of the assignment, I am going to state what are the genuine issues related in this aspect. 1. Information Technology seems to have been highly fascinating for me from the days I started my career in GCSE in the secondary school. This was the place where I pursued my IT A level degree or FdSc. This seems to have been a significant approach which has engaged me in this experience. I have also completed my BSC degree which seems to be sophistically related to my PGCE degree. It seems to be one of the most sophisticated steps which manage me boosting up my interest at the same time. I have recently completed my BSC degree which appears to be quite relevant to my PGCE. Therefore, it can be stated an intrinsic leap in my IT career which has enabled me to get highly affectionate to this stream. 2. I was intensely inspired to pursue PCGE in teaching process when I have been carrying out a small micro teach process while doing the FdSc course. Although the micro teaches process was of 30 minutes long teaching process, however, I must say it was immensely interesting. I had also gathered a lot of experience in this process which seems to have enabled me developing my dormant state of mind. This seems to have enabled me eyeing to achieve this target. I was quite determined that a day will come when I shall be conducting this course. At the same time, it seems to be quite ethical in this approach allows me attaining better experience in this approach. I am quite determined that I shall be quite potential in my approaches to fulfill my dream. 3. Moreover, it leads me to attain the mental satisfaction while choosing it as my profession. I am completely aware of this fact that every student is having different learning style and teacher needs to be proficient in order to handle the different kinds of students. But being quite confident in this approach, I shall be able to handle all the constraints that come in my way. More to be added, it is seen that some of the students are accustomed in auditory approaches of studying while the others in visual approaches. For me the tactile effect is significantly applied and issued. Carrying out of the activities hand leads me to attain better providence in my learning process. Being aware of all of these approaches, I do not think that it will essentially be a problem for me to handle the students with different characteristics and essence. At the same time, my attitude is also quite friendly and affectionate towards my students which help them to get cheered up with me as well. I wi ll also get some scope to learn different essential approaches and activities which helps me developing my personality as well.

Rachel Carsons Silent Spring free essay sample

A review of how the work Silent Spring by Rachel Carson influenced environmental ideas and actions. The paper looks at the influence of the book on the ban of the use of DDT, and how it spurred revolutionary changes in the laws that have been destroying air, land and water of this planet. The initiation of the environmental movement is explored in relation to the book and the development of this movement is traced. Seldom there have been incidents in the history of mankind that a single book has managed to alter the path of history, but Silent Spring written by Rachel Carson did precisely that. The book forced the ban on the use of DDT, after its publication in 1962, and spurred revolutionary changes in the laws that have been destroying air, land, and water of this planet. The obsessive concern of Carson for the future of this planet and the humanity that has been living for billions of years, echoed forcefully throughout the world, as her expressive book has been influential in the initiation of the environmental movement (2). We will write a custom essay sample on Rachel Carsons Silent Spring or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page