Software to Support Assessment of the Comprehensive Classroom Essay

Software to Support Assessment of the Comprehensive Classroom Technology Plan - Essay Example I am supposed to click to and fro through many pages. I am forced to look at pictures of commodities whether I want to or not, whilst attempting to find the product that I need. As a student, I am bound to figure out that the design of this website is flat. Whilst the criteria are split into sub-segments, these sub-segments are not visually identified in navigation. Therefore, in the organization platform section, there is not a single item in the look of the course-plotting links to inform the student that all administration platforms are a different sub-segment from other types of administration platforms. Additionally, varying commodities exhibited and sold on this website are supposed to be the leading items even if it means navigating through this website through the â€Å"all† criterion. Every sub-segment is supposed to have its individual color piece so that it is distinct where the student is on the website (Williams, Boone and Kingsley, 2004, p. 213). Adding a â€Å" quick search† section would enable a student to simply list all commodities or services on one page. Utilizing the uncomplicated visual technology, it is likely to have the picture for every commodity come forth when the cursor is moved above the product. Visual recognition is still existent. The stocking of the commodity is slow and makes the impression of a heavy site. Is a student looks at the home page of a commodity’s criterion; there is a huge chance that they will look at the following page. Consequently, preloading the pictures for the following pages in the background will be helpful. Such an approach will make the pictures appear on the following pages. The commodity data is surrounded by exceedingly additional visual dialogue. It is similar to attempting to hear trades tone in a noisy room. The segment that deals with the number of people who purchased a certain commodity is very busy and distracts new students (Williams,

Cooper Industries -Case Study Essay Example for Free

Cooper Industries -Case Study Essay Cooper Industries was organized in 1919 as a manufacturer of heavy machinery and equipment. By the mid-1950s it was a leading producer of engines and massive compressors used to force naturalgas through pipelines and oil out of wells. Management was concerned, however, over its heavy dependence on sales to the oil and gas industries and the violent fluctuation of earnings caused bythe cyclical nature of heavy machinery and equipment sales. Although the companys long-term salesand earnings growth had been above average, its cyclical nature had dampened Wall Streets interestin the stock substantially. (Coopers historical operating results and financial condition aresummarized in Exhibits 1 and 2.) Initial efforts to lessen the earnings volatility were not successful. Between 1959 and 1966, Cooperacquired (1) a supplier of portable industrial power tools, (2) a manufacturer of small industrial airand process compressors, (3) a maker of small pumps and compressors for oil field applications, and(1) a producer of tire-changing tools for the automotive market. The acquisitions broadened Coopersmarkets but left it still highly sensitive to general economic conditions. In 1966 Cooper began a full review of its acquisition strategy. After several months of study, threecriteria were established for all acquisitions. First, the industry should be one in which Cooper couldbecome a major factor. This requirement was in line with managements goal of leadership within afew distinct areas of business. Second, the industry should be fairly stable, with a broad market forthe products and a product line of small ticket items. This product definition was intended toeliminate any company that had undue profit dependence on a single customer or several large salesper year. Finally, it was decided to acquire only leading companies in their respective marketsegments. This new strategy was initially implemented with the acquisition in 1967 of the Lufkin RuleCompany, the worlds largest manufacturer of measuring rules and tapes. Cooper acquired a qualityproduct line, an established distribution system of 35,000 retail hardware stores throughout theUnited Slates, and plants in the United States, Canada, and Mexico. It also gained the services  ofWilliam Rector, president of Lufkin, and Hal Stevens, vice president of sales. Both were extremely knowledgeable in the hand tool business and had worked together effectively for years. Their goalwas to build through acquisition a hand tool company with a full product line that would use acommon sales and distribution system and joint advertising. To do this they needed Coopersfinancial strength. Lufkin provided a solid base to which two other companies were added. In 1969 the CrescentNiagara Corporation was acquired. The company had been highly profitable in the early 1960s butsuffered in recent years under the mismanagement of some investor-entrepreneurs who gainedcontrol in 1963. A series of acquisitions of weak companies with poor product lines eroded Crescentsoverall profitability until, in 1967, a small loss was reported. Discouraged, the investors wanted to getout, and Cooper—eager to add Crescents well-known and high-quality wrenches, pliers, andscrewdrivers to its line—was interested. It was clear that some of Crescents lines would have to bedropped and inefficient plants would have to be closed, but the wrenches, pliers, and screwdriverswould play an important part of Coopers product policy. In 1970, Cooper further expanded into hand tools with the acquisition of the Weller ElectricCorporation. Weller was the worlds leading supplier of soldering tools to the industrial, electronic,and consumer markets. It provided Cooper with a new, high-quality product line and productioncapacity in England, West Germany, and Mexico. (Information on the three acquisitions is providedin Exhibit 3.) Cooper was less successful in its approach to a fourth company in the hand tool business, theNicholson File Company. Nicholson was on the original shopping list of acceptable acquisitioncandidates that Mr. Cizik and Mr. Rector had developed, but several attempts to interest Nicholson inexploring merger possibilities had failed. The Nicholson family had controlled and managed thecompany since its founding in 1864, and Paul Nicholson, chairman of the board, had no interest injoining forces with anyone.

eBay :: essays research papers

eBay’s Global Community   Ã‚  Ã‚  Ã‚  Ã‚  As I read through some of the discussion threads of eBay sellers, I realized how technology has allowed us to form international community of consumers with established rules and regulations. Doing business through eBay still seems a little risky but the fact that the majority of people still live ethically has allowed e-bay to succeed. Like in every society there are people that still try to circumvent the system and will try to get away with unethical activities. Through the discussion forum, eBay sellers have established an environment in which anyone can communicate the problems they have encountered and ask for advice for handling those situations. Sellers also have the option to offer suggestions on how to make the selling process better. Some of the issues that I found interesting in nature were how e-bay sellers handle non-paying bidders, feedback concerns, and international selling.   Ã‚  Ã‚  Ã‚  Ã‚  The hot topic that I found in many discussion threads was the issue with non-paying bidders. This problem makes it difficult for sellers to continue selling with confidence and it also makes it hard for new sellers to start selling. Non-paying bidders also prevent honest bidders from actually purchasing the item. This also forces the seller to place the item on auction again, incur a re-listing fee, and they may not also get the high bid that they had the first time. It also causes retaliatory negative feedback from the non-buyer to the seller. The sellers have addressed this issue by providing suggestions and answering each other questions. Some of the ways the seller community is handling the issue of non-paying bidders is by filing non-paying bidder alerts and FVFC(Final Value Free Credits). Consensus from the seller community is that filing negative feedback is not sufficient because eBay does not suspend a non-paying bidder until their feedback number reaches about a negative three. However, if the seller files the FVFC, E-bay will suspend the bidder if three sellers have filed on the same bidder.   Ã‚  Ã‚  Ã‚  Ã‚  eBay also addressed this situation by conducting a workshop titled â€Å"Reducing Unpaid Items†. The workshop was conducted by the eBay staff and was opened to the entire seller community. I think that this type of format is very useful to eBay sellers, because it gives them the chance to voice their concerns directly to eBay and get immediate feedback as to what is being done to address those concerns.

A Case Study of Joint Venture Banks in Nepal Essay

Using the data set published by joint venture banks in their annual reports, and NRB in its supervision annual reports, this paper examines the financial health of joint venture banks in the CAMEL framework. The health check up conducted on the basis of publicly available financial data concludes that the health of joint venture banks is better than that of the other commercial banks. In addition, the perusal of indicators of different components of CAMEL indicates that the financial health of joint venture banks are not so strong to manage the possible large scale shocks to their balance sheet and their health is fair. THE HISTORY OF MODERN commercial banking industry dates back to 1937 A.D in which year Nepal Bank Ltd. was incorporated. Till 1984, financial sector was closed to private sector and foreign investors. HMG/Nepal started to liberalize the financial sector in the first half of the 1980s. But it speeded up this process only in early 1990s. Private sector rushed into the finance industries especially after the restoration of democracy in 1990. Most of the commercial banks came into operation during the decade of 1990s. Government of any countries highly monitors and controls the finance industry even in the liberalized market economy. Government does so due to its high gravity in the national economy, and to build up the confidence of private sector in its financial system. Nepal Rastra Bank (NRB) as an apex monetary authority of the country started to monitor and control the finance industry especially at the end of the 1990s by issuing the directives to the financial institutions (FIs). It initiated the offsite and onsite supervision of FIs to maintain their sound financial health and to build up  the confidence of private sector in the liberalized financial system and protect the interest of the investors. It has adopted the CAEL (capital adequacy, asset quality, earning and liquidity) system to check up the health of FIs. It has yet to use the CAMELS to evaluate the financial performance and check up the financial health. Independent outsiders also can not use all components of CAMELS to check up the financial health of FIs in Nepal due to the full disclosures of required financial information to outsiders. NRB dictated FIs to disclose the financial information in uniform way only in the fiscal year (FY) 2001/02. In this paper, attempt has been ma de to check up the financial health of joint venture banks in the framework of CAMEL. 1. Rationale of Regular Health Check up of Commercial Banks Not only the commercial banks but also any FIs require regular health check up to maintain the confidence of private sector in financial system of the country and protect the interest of depositors, lenders, shareholders and other stakeholders. The gravity of the importance of sound financial sector has increased tremendously after the international financial turmoil of the second half of the 1990s. International monetary authorities such as International Monetary Fund and international FI like the World Bank have underpinned the need of healthy financial sector to build up the confidence of private sector in the liber41 The Journal of Nepalese Business Studies alized financial system. Therefore, they have directed their member countries to reform the financial sector and conduct the regular health check up of FIs through onsite and offsite supervision. International FIs like the World Bank and Asian Development Bank (ADB) are supporting the projects run in the vein of reforming process of the financial sector of different countries. For example, the World Bank is constantly providing the technical and financial support to reengineer NRB and restructure Nepal Bank Ltd. and Rastriya Banijya Bank (NRB 2005). Health of financial sector depends on the health of individual FIs. In addition, individual FI’s health counts on the myriad macro and micro factors. Among the macro factors, political stability and the real sector growth are vital. The financial health of FIs can not sustain without the political stability and sustainable real sector growth with sound health. However, the intensity of contagious effect of these macro variables may vary from one individual FI to another. Therefore, health of individual FI should be checked up regularly to know the intensity of such effect. Health of an individual FI is a function of multiple factors such as quality of its assets, liquidity position, capital base, management quality, market sensitivity and earnings. All these factors affect the different types of risk to an individual FI. Different types of risks: credit risk, interest rate risk, liquidity risk, market risk, off-balance sheet risk, foreign exchange risk, sovereign risk, technology, operational risk, insolvency risk, affect the health of an individual FI adversely if they are not managed in sustainable manner (Saunders and Cornett 2004). A number of factors such as quality of assets, financial market condition, foreign exchange market, composition of assets, financial health of its clients, profitability, capital adequacy, affect the degree of these risks. Financial health check-up of an individual institution should be made regularly to detect the adverse effect of these risks on its health. Micro-prudential indicators such as capital adequacy, asset quality, management soundness, earning and profitability, liquidity, sensitivity to market risk, and market based indicators like market price of financial instruments, credit ratings are used as indicators of the sound health of an individual FI (Evan and others 2000). These indicators are explained at length in the ensuing section of this paper. 2. Theoretical Prescription of CAMELS Framework The Basle Committee on Banking Supervision of the Bank of International Settlements (BIS) has recommended using capital adequacy, assets quality, management quality, earnings and liquidity (CAMEL) as criteria for assessing a FI in 1988 (ADB 2002). The sixth component, market risk (S) was added to CAMEL in 1997 (Gilbert, Meyer and Vaughan 2000). However, most of the developing countries are using CAMEL instead of CAMELS in the performance evaluation of the FIs. The central banks in some of the countries like Nepal, Kenya use CAEL instead of CAMELS. CAMELS framework is a common method for evaluating the soundness of FIs. This system was developed by regulatory authorities of the U.S banks. The Federal Reserve Bank, the Comptroller of the Currency and the Federal Deposit Insurance Corporation all use this system (McNally 1996). Monetary authorities in the most of the countries are using this system to check up the health of an individual FI. In addition, International Monetary Fund also is using the aggregated indicators of individual FIs to assess the financial system 42 Health Check-up of Commercial Banks soundness of its member countries as part of its surveillance work (Hilbers, Krueger and Moretti 2000). 2.1 Capital Adequacy CAMELS framework system looks at six major aspects of an FI: capital adequacy, asset quality, management soundness, earnings, liquidity, and sensitivity to market risk (Hilbers, Krueger and Moretti 2000). The first component, capital adequacy ultimately determines how well FIs can manage with shocks to their balance sheets. Thus, it tracks capital adequacy ratios that take into account the most important financial risks—foreign exchange, credit, and interest rate risks—by assigning risk weightings to the institution’s assets. For the purpose of capital adequacy measurement, bank capital is divided into Tier I and Tier II. Tier I capital is primary capital and Tier II capital is supplementary capital. In Nepalese context, Tier I (core/primary) capital includes paid-up capital, share premium, non-redeemable preference share, general reserve fund, accumulated profit, capital redemption reserve, capital adjustment fund, and other free reserve. Amount of the goodwill, fictitious assets, investment in the financial instruments issued by an organized organization in excess to the limit specified by NRB, and investment in the financial instruments issued by the organizations having the own financial interest is deducted from the sum of all elements of the primary capital to arrive at the core capital. Similarly, Tier II (supplementary) capital comprises of general loan loss provision, assets revaluation reserve, hybrid capital instruments, subordinated term loan, exchange equalization reserve, excess loan loss provision, and investment adjustment reserve. Thus, the total capital of commercial banks is the sum of core capital and supplementary capital (NRB 2005). Leverage ratio can be used to measure the capital adequacy of a bank. This is the ratio of bank’s book value of core capital to the book value of its assets. The higher ratio shows the higher level of capital adequacy. The U.S.A. Federal Deposit Insurance Corporation Improvement Act (FDICIA) of 1991 has fixed the five target zones: i. 5 percent and above ii. 4 percent and above iii. under 4 percent, iv. under 3 percent, v. 2 percent and less, of leverage ratio. The leverage ratio falling in the first zone implies that bank is well capitalized. Similarly, the leverage falling in the second zone shows that bank is adequately capitalized. The leverage falling in the last three zones indicates that bank is inadequately capitalized and regulators should take prompt corrective action to bring the capital to the desirable level (Saunders and Cornett 2004). The leverage ratio stated in the foregoing discussion is simple capital to assets ratio. In other words, assets are not risk adjusted. The 1993 Basel Accord enforced the capital ratio to risk adjusted assets of commercial banks. According to this accord, core capital must equal to or exceed 4 percent of the risk weighted assets of the commercial banks. Similarly, the amount of the supplementary capital should not exceed the amount of the core capital and the total capital must equal or exceed 8 percent of risk weighted assets (Saunders and Cornett 2004). NRB initially fixed the core capital at the level of 4.5 percent of the risk weighted assets and total capital at the level of 9 percent of risk weighted assets of the commercial banks (NRB 2058). For the current FY2005/06, the mandatory levels of core capital and total capital are 6 percent and 12 percent of risk weighted assets of commercial banks. But NRB has strictly directed all commercial banks that the amount of the supplementary capital should not be in excess to the amount of the core capital (NRB 2005). 43 The Journal of Nepalese Business Studies 2.2 Asset Quality Credit risk is one of the factors that affect the health of an individual FI. The extent of the credit risk depends on the quality of assets held by an individual FI. The quality of assets held by an FI depends on exposure to specific risks, trends in non-performing loans, and the health and profitability of bank borrowers—especially the corporate sector. We can use a number of measures to indicate the quality of assets held by FIs. ADB suggests these measures—loan concentration by industry, region, borrower and portfolio quality; related party policies and exposure on outstanding loan, approval process of loan, check and balance of loans; loan loss provision ratio; portfolio in arrear; loan loss ratio; and reserve ratio—of checking the quality of assets of an FI (ADB 2002). NRB uses composition of assets, nonperforming loan to total loan ratio, net nonperforming loan to total loan ratio as the indicators of the quality of assets of commercial banks (NRB 2005. NRB has directed the commercial banks in regards to the concentration of the loan. Any licensed FI can grant the fund base loan to a single borrower or borrowers related to the same business group up to the 25 percent of its primary capital. In the same vein, it can provide the non-fund base loan up to 50 percent of its core capital (NRB 2005). Similarly, it has directed FIs to classify the loans into performing loan and nonperforming loans. The loans that are not due and 3 months past due fall in the class of performing loans/performing assets and others do in the non-performing loans. Further, non-performing loans are classified into three groups: substandard, doubtful, and bad debt/ loss (for detail classification see NRB directive 2/061/62). Commercial banks have to make 1 percent provision for pass loan/performing loan, 25 percent for substandard loan, 50 percent for doubtful loan and 100 percent for bad loan (NRB 2005). Non-performing assets in the total assets of commercial banks was 22.77 percent in the FY 2003/04. But the percentage of non-performing assets of an individual commercial bank varies from 0.76 percent to 57.64 in the same fiscal year. But the normal international standard of the percentage of non-performing assets is 5-8 percent of the total assets. 2.3 Management Quality Sound management is key to bank performance but is difficult to measure. It is primarily a qualitative factor applicable to individual institutions. Several indicators, however, can jointly serve as an indicator of management soundness. Expenses ratio, earning per employee, cost per loan, average loan size and cost per unit of money lent can be used as a proxy of the management quality. ADB recommends cost per unit of money lent as a proxy of management quality. But this can not be used as an indicator of management quality in Nepal. Since the data on amount of the total loan mobilized during a particular FY is not available in published financial statements and annual reports. As stated earlier, NRB has skipped up this component of CAMELS in the performance evaluation of commercial banks (see NRB 2005). 2.4 Earning Performance Earning capacity or profitability keeps up the sound health of an FI. Chronically unprofitable FI risks insolvency on one hand and on the others, unusually high profitability can reflect excessive risk taking of an FI. There are different indicators of profitability. Return on assets, return on equity, interest-spread ratio, earning-spread ratio, gross margin, 44 Health Check-up of Commercial Banks operating profit margin and net profit margin are commonly used profitability indicators. NRB uses return on total assets as an indicator of profitability of a commercial bank. In addition, it uses the absolute measures such as interest income, net interest income, noninterest income, net non-interest income, non-operating income, net non-operating income and net profit, to evaluate the profitability of a commercial bank (NRB 2005). 2.5 Liquidity Liquidity risk threats the solvency of FIs. In the case of commercial banks, first type of liquidity risk arises when depositors of commercial banks seek to withdraw their money and the second type does when commitment holders want to exercise the commitments recorded off the balance sheet. Commercial banks have to borrow the additional funds or sell the assets at fire sale price to pay off the deposit liabilities. They become insolvent if sale price of the assets are not enough to meet the liability withdrawals. The second type of liquidity risk arises when demand for unexpected loans can not be met due to the lack of the funds. Commercial banks can raise the  funds by running down their cash assets, borrowing additional funds in the money markets and selling off other assets at distressed price. Both liability side liquidity risk (first type risk) and asset side liquidity risk (second type risk) affect the health of commercial banks adversely. But maintaining the high liquidity position to minimize such risks also adversely affects the profitability of FIs. Return on highly liquid assets is almost zero. Therefore, FIs should strike the tradeoff between liquidity position and profitability so that they could maintain their health sound. Commercial bank’s liquidity exposure can be measured by analyzing the sources and uses of liquidity. In this approach, total net liquidity is worked out by deducting the total of uses of liquidity from the total of sources of liquidity. Similarly, BIS maturity laddering model can be used to measure the liquidity of a commercial banks. In addition, different liquidity exposure ratios such as borrowed funds to total assets, core deposit to total assets, loans to deposits, and commitments to lend to total assets are used to measure the liquidity position of a commercial bank (Saunders and Cornett 2004). NRB uses total loan to total deposit ratio, cash and equivalents to total assets ratio, cash and equivalents to total deposit ratio, NRB balance to total deposit ratio to measure the liquidity position of commercial banks in the course of the performance evaluation of commercial banks (NRB 2005). 2.6 Sensitivity to Market Risk Commercial banks are increasingly involved in diversified operations such as lending and borrowing, transaction in foreign exchange, selling off assets pledged for securities and so on. All these are subject to market risk like interest rate risk, foreign exchange rate risk, and financial asset and commodity price risk. The health of an FI more sensitive to market risk is more hazardous than that of less sensitive. Foreign exchange risk, interest rate risk, equity price risk, and commodity price risk are the indicators of sensitivity to market risk. 3. Methodology At present, all together 17 commercial banks are in operation. Out of this, Rastriya Banijya Bank is fully owned by HMG/Nepal while in case of Nepal Bank Ltd, HMG/Nepal is the major shareholder. There are six joint venture banks in collaboration with the foreign investment partners and remaining are fully owned by Nepalese investors. For the purpose 45 The Journal of Nepalese Business Studies of this study, the population has been defined in term of joint venture commercial banks. So the population of this study is six. For the purpose of this study, 3 banks—Nabil Bank Limited (Nabil), Nepal SBI Bank Ltd. (NSBI) and Standard Chartered Bank Nepal Limited (SCBN), were selected randomly (for sampling frame and sample refer to Appendix 1). This study is based on the historical data disclosed by annual reports of commercial banks. NRB has dictated the commercial banks to disclose the financial information in the prescribed format since the FY 2001/02. So, the comparison of financial performance of commercial banks each other is only possible only the FY 2000/01 onward.1 Most of the commercial banks have yet to hold the annual general meeting and publish their annual report for the FY 2004/05. So, it is not possible to include this FY in the study. Therefore, this study covers the last four consecutive fiscal years—from the FY 2000/01 through FY 2003/04. The analysis of this study is entirely based on the CAMELS framework. As stated in theoretical prescription, health check up of any FIs in this framework is concentrated in the six components: capital adequacy, asset quality, management quality, earning, liquidity and sensitivity to market. But in this study, the last component has been dropped due to the presence of much more complication. So, analysis of financial health of joint venture banks is carried out in the framework of CAMEL. Indicators of each component also have been used according to the financial data disclosed in annual reports of sampled joint venture banks. So, complicated indicators of each component of CAMEL framework of checking up the health of the banks have been skipped up in this study (for the indicators of each component refer to Appendix 2). 4. Analysis of Financial Health of Commercial Banks This section of this paper analyses the indicators of the financial health of sampled joint venture banks in the CAMEL framework. As stated in methodology, all indicators of the financial health of FIs have not be worked out and analyzed, only the indicators permitted by the publicly available comparable financial data have been used to analyze the financial health of the sampled banks. The ensuing section presents the analysis of different indicators of sound health of an FI in the context of joint venture banks in Nepal. 4.1 Capital Adequacy As stated earlier, leverage ratio, core capital ratio, total capital ratio and supplementary capital ratio are used as the indicators of capital adequacy of an FI. Leverage ratios of sampled banks, in general, show that joint venture banks are well capitalized and they are strong enough to mange the shock to balance sheet. Since the leverage ratios of sampled banks during the study periods are greater than 5 percent. Conventionally, leverage ratio of 5 percent or greater than 5 percent indicates that commercial banks are well capitalized. The indicators: TCR, CCR and SCR, of capital adequacy of joint venture banks also corroborate with the implication of leverage ratio. In general, all banks under study have met the capital adequacy ratio as directed by NRB. Only NSBI has not met the minimum capital requirement as directed by NRB in the FY 2000/01 and FY 2003/04. In these fiscal years, its TCR and CCR are lower than that of minimum ratio specified by NRB. Similarly, in the Financial information for the FY2000/01 were extracted from the annual reports of the sample banks. But this was not possible in Nabil Bank Ltd. Capital of commercial banks in Nepal is negative due to the heavy amount of negative capital of two public sector banks: Nepal Bank Ltd. and Rastriya Banijya Bank. Capital of these two banks is negative due to the heavy accumulated losses. Thus, the public sector banks have yet to meet the capital adequacy requirements as required by NRB. But private sector banks have, in general, met the capital adequacy requirement. The comparison between the capital fund to risk weighted assets ratio of each individual joint venture bank with the aggregate capital fund ratio of private sector commercial banks (IAR) implies that joint venture banks have stronger capital base than that of other private sector banks in general. In addition, average capital fund ratio of joint venture banks during the study period hovers around 14 percent. This is higher than the minimum ratio specified by NRB. This clearly implies that joint venture banks are complying with the directive of NRB on the requirement of the capital base of commercial banks. As stated in the foregoing analysis, banks under study are well capitalized and they are complying with the directive of NRB on capital adequacy ratio. But their capital base relative to the risk weighted assets is not so strong. According to the international rating convention, total capital should be greater than 19.5 percent of the total risk weighted assets of commercial banks in order to be a strong capital base. But none of the banks under study has the capital fund greater than 19.5 percent of the total risk weighted capital. As indicated by TCR, on the average, capital adequacy of joint venture banks is fair during the study period. Total capital adequacy ratio less than 15 and equal to 12 indicates that capital adequacy is fair and on the average this ratio falls within this range. 47 The Journal of Nepalese Business Studies 4.2 Asset Quality It is obvious from the theoretical prescription that the health of commercial banks largely depends on the quality of assets held by them, and quality of the assets relies on the financial health of their borrowers. As stated earlier, many indicators can be used to measure the quality of assets held by commercial banks. But, here, only two simple indicators— non-performing asset ratio and loan loss reserve ratio—are used to measure the quality of assets being held by banks. The increasing trend of these ratios shows the deteriorating quality of commercial bank assets. In general, 5 percent to 10 percent of non-performing assets is considered as satisfactory level of quality of bank assets, Table 2: Indicators of Asset Quality of Sampled Banks

Mac Computers vs. Personal Computers - 700 Words

Mac Computers vs. Personal Computers Starting in the 1980s computer systems have become an essential part of our lives. Steve Jobs created the first personal computer called the Altair 8800 costing 379 US dollars and later on Bill Gates created Microsoft Disk Operating System which would grow to become Windows Operating System. Throughout the year’s computers have been an ever growing market and have officially changed the way we work. Still to this day people clash at which computer system is better Mac or PC. Is it because the flexibility the PC has? Or the low prices PC offers to the public? But the biggest front is which system has the best protection against viruses? Most Windows PC’s allow the user to buy and upgrade their systems†¦show more content†¦Why would they spend thousands of dollars or more on a computer system to just do those type of task when you could spend half that. Mac computer have always been the more expensive computer system to buy, b ut since Apple has been coming out with more and more products like the iPod, iPad, and iPhone and many PC users are converting over to Apple products because they like to have the ability to share music, photos, and documents easily through all the systems. Mac computer have also been designing their system to be small and elegant. For example, when you’re going to class you don’t want to sit there and have a big bulky computer that ways close to four pound, you want a computer that is slim and light and easy to transport. Mac computers have always made their products easy to carry around. Like everyone says you get what you pay for. The biggest question now is which system has the best virus protection. For many years PC computer have fallen victim of viruses and Microsoft has been combating these and providing services to prevent viruses from spreading throughout every house hold. 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While most common users buy a computer that s mainstream or popular don’t seem to realize which computer is really best for them. Here we will talk about which computer is best for one by hardware, operating system, and software. Although some people think Apple’s computerRead MoreGrowth of the Computer Industry Essay1377 Words   |  6 PagesThe computer industry has experienced an impressive growth within the past 15 years. In our case, laptops fall under the category of computers as well. Even though computers had first come out in the mid 19th century, there has been a huge augmentation of ‘advanced’ computers/laptops in recent times. From 1936 to 1980, computers weren’t mainly used by the public. The very first system was not even considered a computer, but a mere 30 ton numerical calculator that worked through 18, 000 vacuumRead MoreMicrosoft vs. Apple1635 Words   |  7 Pagesproducts bring an alternative to the consumers experience. Moreover, given Apple s steady growth in the last years (Yahoo Finance, 2011) the competition is still ongoing and fierce, as some PC users (sustained mostly by Microsoft) are switching to a Mac (offered by Apple). According to Morgenthaler (2008), [b]y failing to modernize its operating system in a timely way, Microsoft has left its flank wide open for an all-out assault from a once vanquished rival. Microsoft s Vista operating system

F. Scott Fitzgerald s The Great Gatsby - 808 Words

Intro: For My IOP I rewrote the end to the Great Gatsby. In this alternate ending, Myrtle never dies, and actually the beginning to this alternate ending takes place when Gatsby, Daisy, Nick, Jordan, and tom are all heading back from the hotel room in New York City. The narrator is still Nick Carraway. A sudden emptiness seemed to flow from the sweltering air and into our thoughts. The drive back from New York felt hauntingly isolated. Uncomfortable silence filled the yellow car. The silence was only to be broken by warm air whistling as Daisy’s white dress swooshed around through the gentle breeze. Gatsby waited outside of Daisy’s house, but nothing was yet to change. Gatsby’s pure happiness faded as he watched Daisy return to her husky and fractious husband. She went back to her husband and her heedless existence. Gatsby a waited for Daisy on his back porch, pondering what could have been, but still waiting for his life to become of what he had been eagerly awaiting for the past five years. But as the sun began to set, Daisy did not come back. As the yellow and orange glow of the setting sun began to become prominent in the sky, it made the green light invisible to the eyes of one who is seeking it. Gatsby’s eyes continued to stare passionately with g reat sorrow across the sound at the currently invisible green light. His dream must have seemed so close that he could hardly fail to grasp it. Yet, he did not know that it was already behind him. He appeared atShow MoreRelatedF. Scott Fitzgerald s The Great Gatsby974 Words   |  4 PagesPoverty in the Valley of Ashes: The Great Gatsby â€Å"This is a valley of ashes- a fantastic farm where ashes grow like wheat into ridges and hills and grotesque gardens where ashes take the forms of houses and chimneys and raising smoke and finally, with a transcendent effort, of men who move dimly and already crumbling through the powdery air† (Fitzgerald 26). In the novel, â€Å"The Great Gatsby,† the author F. Scott Fitzgerald, mainly depicted lives of the rich and their luxuries but also showed theRead MoreF. Scott Fitzgerald s The Great Gatsby1289 Words   |  6 Pages and many people realized their own version of the American Dream during this period. The American Dream is one that many people want to achieve. However, F. Scott Fitzgerald demonstrates his true feelings about the American Dream in his classic novel, The Great Gatsby. Many characters in this story, such as Daisy and Tom Buchanan, Jay Gatsby, and Jordan Baker, found riches and happiness in materialistic things and people throughout this novel. This is the stereotypical American Dream that is associatedRead MoreF. Scott Fitzgerald s The Great Gatsby944 Words   |  4 Pages423169 Prompt #4 No Comments Lim [f (x)] - 0 = ∞ ... The Limit as X Approaches Infinity Humans continually search for success. This success surfaces in forms such as fortune, fame, glory, et cetera. The American Dream encapsulates the ideals of the â€Å"New World,† bringing together not only the idea of limitless success, but also its newfound availability and encouragement for embracing the promise land. The Great Gatsby explores the American Dream and â€Å"the actual nature of this dream... the mannerRead MoreF. Scott Fitzgerald s The Great Gatsby1265 Words   |  6 PagesJay Gatsby and His Undying Love for Daisy Buchanan F. Scott Fitzgerald wrote The Great Gatsby in the midst of the roaring twenties, which was an age full of wealth, parties, and romance. Young people living in the 1920s were centered around wanting to find love so Fitzgerald, along with many other authors during this time period, focused his writing in The Great Gatsby on relationships and affection. Jay Gatsby, one of the main characters in the novel, is a very mysterious man, but there is oneRead MoreF. Scott Fitzgerald s The Great Gatsby1845 Words   |  8 Pages â€Å"You don’t write to say something, you write because you have something to say.† F. Scott Fitzgerald was one of the most remarkable writers of all time during the Jazz Age. He started to reach an accomplishment of success with This Side of Paradise and accomplished it with The Great Gatsby. F. Scott Fitzgerald’s novels take place back in the early 1900’s; he attempts to communicate knowledge to the elocutionist, in a sophisticated, but humorous way, that making it big is not uncomplicated. FurthermoreRead MoreF. Scott Fitzgerald s The Great Gatsby1720 Words   |  7 Pagesdriving force of evolution in humanity. It allows the aspiration of being able to do astonishing things, and proffers them prosperity in life. The Great Gatsby by F. Scott Fitzgerald delves into the American Dream and it’s demise. Fitzgerald focuses on the character of Jay Gatsby to materialize the false image that the American Dream created in the 1920’s. Gatsby is th e protagonist of the novel, and is famous for throwing massive parties regardless of the secret life that he lives. The narrator, Nick CarrawayRead MoreF. Scott Fitzgerald s The Great Gatsby1202 Words   |  5 PagesJay Gatsby and F. Scott Fitzgerald F. Scott Fitzgerald is an acclaimed American author, popularly recognized for his novel The Great Gatsby. In addition to his literary work, Fitzgerald is noted for his unstable personal life. Originally coming from a low-income background, he could not marry the woman that he first loved. Even when he met another woman, he had to acquire wealth to marry her; this drove him to publish his first novel. He married her shortly after. However, a couple years after, heRead MoreF. Scott Fitzgerald s The Great Gatsby1258 Words   |  6 Pages What Killed Gatsby? Love or Greed? To certain people, Gatsby’s death was a cruel and surprising conclusion to The Great Gatsby by F. Scott Fitzgerald. But there is still some mystery around the cause of Gatsby’s death. Upon meeting Gatsby for the first time, one can tell that he has an obsession centered around Daisy Buchanan, his old love, and was dead set on getting her back. Gatsby’s obsession with repeating the past is responsible for his death and Gatsby’s greed put him in a grave. FurtherRead MoreF. Scott Fitzgerald s The Great Gatsby1761 Words   |  8 Pagescould be the main focus of people who are going out on their own to create a family. However, F. Scott Fitzgerald took a different route in his most famous novel. Fitzgerald uses his book, The Great Gatsby, to show how the idea of the American Dream is slowly dying in the society he created. Although the American Dream was prevalent during the time The Great Gatsby took place in, F. Scott Fitzgerald went against the social norm of believing in this idea and revolved his novel around the idea ofRead MoreF. Scott Fitzgerald s The Great Gatsby1381 Words   |  6 PagesResearch Paper on F. Scott Fitzgerald’s The Great Gatsby F. Scott Fitzgerald’s The Great Gatsby portrays characterization corresponding with characters’ birthplaces, desires, and determination in order to devise their statuses. The narrator, Nick Carraway, is disparate from others due to the place he grew up which is exemplified when he moves to New York from the Midwest. Tom Buchanan satisfies his desire for love by having women in his life as well as his wife Daisy. Jay Gatsby and Daisy Buchanan

The Debate Over A Proper Legal Drinking Age - 1243 Words

The debate over a proper legal drinking age has been ongoing for decades. Some people believe twenty-one is the right age for legally consuming alcohol, while others believe twenty-one is too old. There are many supporters of an age limit of eighteen on alcohol consumption, but it has not been enough to sway Congress away from their set age of twenty-one. One major advocate for the age of twenty-one is the organization MADD, or â€Å"Mothers Against Drunk Driving†. This organization supports the age of twenty-one, because there was a decrease in drunk driving crashes after the age limit was raised. Although the age of twenty-one is known as the standard drinking age, there are still many supporters of the old eighteen year old age limit (â€Å"Should†). During the late sixties and early seventies, twenty-nine states lowered their drinking age to match the voting and military consent age of eighteen. The outcome of this action proved to be tragic. The number of alcohol r elated crashes and fatalities increased tremendously. Many car crashes happened due to people under the age of twenty-one who would travel into another state in order to drink legally. These children would then proceed to try and cross the border back into their home state drunk which many times resulted in fatal car crashes. The results of the lowered drinking age raised many concerns, and by 1983, sixteen states had moved their drinking age back to twenty-one. The President Commission on Drunk Driving proposed theShow MoreRelatedLowering the Drinking Age to 18 May Help Reduce Binge Drinking1072 Words   |  5 PagesThe debate of the drinking age has been long discussed throughout America. The drinking age has been 21 for the last 22 years, and people around the country have wondered weather or not this was the right call. People say that 18 year olds may not be mature enough to drink alcohol and might not know when to stop. It isn’t that teenagers don’t know how to stop, but rather have not been properly taught when enough has been consumed or how to drink responsibly. Changing the drinking age from 21Read MoreLowering The Legal Drinking Age857 Words   |  4 PagesAs we know, the United States has the highest drinking age in the world. By 1988 the entire U.S had adopted the Federal Uniform Drinking Age Act, which set the drinking age to twenty-one. However, in 1920 the United States banned the sale, production, importation, and transportation of alcohol. This era known as the Prohibition sparked the popularity of hidden underground bars and events. The Prohibition Era is a prime example of how people did anything to intake alcohol and eventually this ledRead MoreTeenagers and Alcohol1584 Words   |  6 Pagesis to be allowed to drink at the age of eighteen. Before an experienced adult would answer this question of whether or not teens should be allowed to drink, they need to ask themselves – should eighteen-year olds drink? S ome people say yes because teenagers are responsible for their actions and should be able to have a little more leniency. Others say no, because teenagers are more likely to get into trouble with alcohol use and possible accidents due to drinking and driving. However a person looksRead MoreLowering the Drinking Age1523 Words   |  7 Pages According to Andrew Herman, â€Å"Each year, 14,000 die from drinking too much. 600,000 are victims of alcohol related physical assault and 17,000 are a result of drunken driving deaths, many being innocent bystanders† (470). These massive numbers bring about an important realization: alcohol is a huge issue in America today. Although the problem is evident in Americans of all ages, the biggest issue is present in young adults and teens. In fact, teens begin to feel the effects of alcohol twice asRead MoreEssay about Debate Over the Legal Drinking Age1735 Words   |  7 PagesThe Debate Over the Legal Drinking Age College life is filled with changes. It is filled with many new experiences. As college students, we are on our own, adults. As adults we are responsible for keeping up to date on information that affects us. One issue that affects college students nation wide is drinking. The current legal drinking age in the United States is twenty-one years of age. The Federal government raised the legal drinking age from 18 to 21 in 1984. Even with the current drinkingRead MoreCollege Campus : Dangerous Incidents On Colleges Campuses1716 Words   |  7 Pagescampus by other man from a distance. After few days she was introduced to that man at her friend’s birthday party. That man asked her if he could drop her off to the dorm since her friends left her after party without letting her know. The girl was drinking all night and she did not want to be alone with that man so, she asked him to leave the dorm immediately. But he did not leave, and instead he took advantage of the situation. Late r, the girl found herself without clothes and in awful condition whenRead More Lowering the Drinking Age: Making Youths into Adults Essay1033 Words   |  5 PagesOne of the largest questions still up for debate is whether to lower the drinking age from 21 to 18. We know that this issue is very mundane to you if you’re from the 70’s and 80’s. We can also recall learning about prohibition in the 1920s. Banning alcohol wasn’t the answer then and it isn’t the answer now. It is time America has lowered the drinking age. The push for this started by the founder of Choose Responsibility, a nonprofit organization that focuses on the increasing awareness of the harmsRead MoreThe National Minimum Drinking Age Essay1865 Words   |  8 Pagesare considered to be legal adult and receive all of the responsibilities that accompany the title. At the age of eighteen year olds you receive and are expected to use the rights and responsibilities to vote, serve on juries, get married, sign contracts, join the military--which includes taking on the responsibilities of life and death--and be prosecuted as an adults in the court of law along with many other things. In 1984, the national government raised the drinking age from 18 to 21. MothersRead MoreThe Legal Drinking Age Of The Netherlands1761 Words   |  8 Pagesthe good of the people, there is constant debate over which laws should be reconsidered. One debate that stands tall among the rest is whether or not the minimizing or increasing of drinking age laws should take place. Beginning January 1, 2014, the legal drinking age in the Netherlands was increased from 16 to 18 years of age. This two-year shift in expected maturity contemplates the establishing of laws that restrict alcohol consumption before a set age. In an article by Franklin E. Zimring, itRead MoreThe Legal Drinking Age Should Remain At 21 Essay1848 Words   |  8 Pagesminimum legal drinking age (MLDA). In the U.S., the legal drinking age is one of the highest worldwide. The MLDA of 21 is to control traffic fatalities, protect young teens from killing themselves while driving under the influence, and prevent damage medically to a developing brain of a young adult. Many Americans believe that the drinking age of 21 has not stopped teen binge drinking events in uncontrolled environments; however, studies have shown that teens have not yet reached an age where they