The Events Of World War 2 - 2008 Words

World War 2 was undoubtedly one of the most important events in history not only for what happened throughout the six years of war but also the aftermath of the war. Beyond the casualties and deaths this devastating war would open new doors for technology advancement, medicine innovations and creations also changes in music ,art ,sports and culture. Furthermore back home in the United States the role of women was beginning to shape up during the conflict at the other side of the world . Previous verbal arguments between countries escalated and led to previous physical encounters.Such as that of the first world war which took place from July 28, 1919 until November 11,1918 with an estimated 16.5 million deaths in both military and civilian†¦show more content†¦A war that would last from 1939 to 1945 six years of breathtaking battles tense and suspense not knowing whether or not that day would be your last wearing the uniform that represents the country you defend. To illustra te even further this war was divided into two groups the allies and the axis. The allies were composed of the United States, France, England and the U.S.S.R (Soviet union) led by Franklin D.Roosevelt, Winston Churchill, and Joseph Stalin also known as â€Å"the big three† and behalf of the axis powers countries such as Italy, Japan and Germany which were led by some of the most gruesome leaders of all time such as Benito Mussolini , Hideki Tojo and undoubtedly the mastermind behind the start of World War 2 the german dictator Adolf Hitler. A leader like Adolf Hitler who used his aggressive speeches, driving force and central point amongst the faith crowd that believed in all he said thinking that he would bring back the great germany and make germany a super power but instead blinded people of what was really going on during the war the germans were killing jews creating a mass genocide of the race of jews killing almost 7 million civilians this included kids,adults,and elders this being done in the concentration camps in a span of only six years from 1933-1939 where people would be detained or confined, usually under harsh conditions and without regard to legal norms of arrest and imprisonment many

Mock Behavioral - 1712 Words

Mock Behavioral Research Paper On Hamilton Howard â€Å"Albert† Fish AJS/584 Professor Steven Hoenig 3-14-2016 Serial killers is a person that kill three or more people in a short amount of time. He or she murder one after another in a similar way with an inactive period between each murder. The motivation for murdering an adult or child is based on psychological gratification. The serial killer is normally an adult white male in his late twenties, who has killed four or more individuals in separate incident with an inactive period between. It is impossible to tell just by looking at a person who will become a serial killer, the traits of some criminals or serial killers appear to be similar most of the time. The types of behaviors†¦show more content†¦Albert Hamilton Fish, known as the Gray man and the boogey man was born in Washington, DC on May 19, 1870, to Randall Fish. He was 43 years older than his mother and Fish was the youngest child and he had three living siblings: Walter, Annie, and Edwin Fish. Many family member had mental illness. His mother put him into an orphanage and Hamilton wanted to be called â€Å"Albert† because that was the name he was given by the orphanage where he spent many of his childhood years. He was frequently whipped and beaten there, and eventually realized that he enjoyed physical pain. The beatings would often give him erections, for which the other orphans teased him. By 1879, his mother got a government job and was able to look after him. However, his various experiences before this had affected him. He started a homosexual relationship in 1882, at the age of 12, with a telegraph boy. The youth also introduced Fish to such practices as drinking urine and coprophagia, which refers to many kinds of feces eating, including eating feces of others species. Fish beganShow MoreRelatedMy Role Play Video The First Thing That I Took Notice Too878 Words   |  4 PagesIn critiquing my role play video the first thing that I took notice too was the timing aspect of the mock session. Realistically I know that much of what I highlighted in the video would take multiple sessions to cover and get to a place where the client really has trust in the relationship to actively use the techniques I introduced in the video. After reviewing the video footage a few times I think one strengthen was within the quality of the relationship shown. Some of the feedback that I receivedRead MoreCognitive Behavioral Therapy Treatment For Posttraumatic Stress Disorder Essay994 Words   |  4 PagesCognitive behavioral therapy treatment for posttraumatic stress disorder The Diagnostic and Statistical Manual of Mental Disorders describes posttraumatic stress disorder (PTSD) as an acute stress disorder (2013). Individuals that experience this disorder are exposed to or have had an experience of near death or bodily harm (American Psychiatric Association. 2013). Evidence based therapy that has shown positive outcomes in cognitive behavioral therapy (CBT) which is based on changing behaviorRead MoreThe Anxiety Of Asian American Immigrant Children Essay1089 Words   |  5 Pagesand language barriers (Baumann et al., 2011). In order to apply effective intervention, culturally considered strategies should be developed to Asian American immigrant children. As a result, the present study proposes culturally adapted cognitive behavioral therapy (CA-CBT) intervention to reduce mental health problems for Asian immigrant children. Framing and Questions The mental health problems of Asian immigrant children could be reduced by appropriate interventions. Since Asian immigrant children’sRead MorePrinciples Of A Group Dynamics849 Words   |  4 Pagesdiscuss each other’s cultural and ethnic backgrounds; be honest about their values are utmost important. Hence, one point that can be overlooked is different theoretical styles, (e.g., experiential and relationship-oriented approaches or cognitive behavioral approaches). Which can pose challenges, especially if one is an introvert, and the other is an extrovert, therefore assessing one’s self-strengths, and weakness is especially critical (Corey et al., 2014). G.6.c. Philosophies of group therapyRead MoreTheory For The Problem : Cognitive Behavior Therapy1424 Words   |  6 Pagesperceptive on the flawed thinking.(Beck). The behavioral techniques that will be used to show the flawed think include activity scheduling, role playing, behavioral rehearsal, behavioral experiments, skills training, and exposure therapy. Stan next homework assessment was to over come the fear of the opposite sex. Stan asked a women out on a date which did not end so well. I told Stan regardless of the outcome its a growing process which we will explore. Behavioral experiments such as mirror image responseRead MoreMental Behavior Of Depression1035 Words   |  5 Pagesa lower relapse rate (Jabr, 2017). Another experiment was done by Swedish scientists in which three groups were assigned, all experiencing depression (Jabr, 2017). One group was assigned exercise, one group was assigned internet-based cognitive-behavioral therapy and another was standard counseling with medication (Jabr, 2017). Each group again experienced success, but those who participated in exercise had the greatest benefits (Jabr, 2017).   As shown, psychotherapy and exercise show both an improvementRead MoreBulimia Nervosa Is An Eating Disorder Essay2102 Words   |  9 Pagesof research has been done on the efficacy of cognitive-behavioral the rapy in treating bulimia nervosa and it is widely believed to be the best treatment for the disorder. Cognitive-behavioral therapy is essentially the combination of cognitive therapy, designed to change unhealthy thoughts and schema, and behavioral therapy, designed to change behavior though learning. Our text says, â€Å"Most who adopt CBT think that the addition of behavioral principles and practices to the cognitive theoretical frameworkRead MoreHow Cognitive Behavior Therapy ( Cbt ) Is Effective Approach For Clients With Post Traumatic Stress Disorder ( Ptsd Essay1769 Words   |  8 Pageshow. I will explain why I believe cognitive behavior therapy is the best approach for military Veterans. CBT is a combination of cognitive and behavioral theories. By this concept, it maintains that individuals respond to life events through cognitive, affective, motivational, and behavioral responds like cognitive therapists. Likewise, it uses behavioral therapy techniques to alter maladapti ve beliefs, prepares the individual for avoided situations, exposes them to feared stimuli, and promotes newRead MoreComparing Treatments for Post-Traumatic Stress Disorder in Domestic Violence and Women Victims of Rape2123 Words   |  9 Pageswill be recruited and submitted to a 6 month therapy. There will be a 3 X 2 independent groups factorial design where the independent groups are going to be women with PTSD (domestic violence and rape victims) and treatments; one group of Cognitive Behavioral Therapy (CBT), and the second will be issued SSRIs observed under the medicated treatment of Fluoxetine, the third group will be a control condition treatment of self-help literature (VA’s website i.e. â€Å"Coping with Traumatic Stress Reaction†). Read MorePtsd2558 Words   |  11 Pagesterror, grief and despair. These symptoms can go on for a lifetime if they are not treated. In the third criterion, avoidant/numbing, the person regularly attempts to refrain from any eve nt that may cause trauma-related stimuli. The symptoms are all behavioral, cognitive, and emotional. In the hyper-arousal criterion, the symptoms usually resemble those seen in anxiety and panic disorders but there is one difference: the startle. The startle is what most often determines if a patient has PTSD or another

Banking services in saudi arabia research proposal Free Essays

Literature Review I. Introduction The beginning of the modern banking system began in October 1952 with the creation of the Saudi Arabian Monetary Agency (SAMA) the principle agency responsible for management of monetary matters. Paper money was first introduced in the early years of the 1950s decade. We will write a custom essay sample on Banking services in saudi arabia research proposal or any similar topic only for you Order Now Banking problems in the late 1950s decade resulted in regulatory framework being strengthened in Saudi Arabia during the middle 1960s decade in which broad supervisory capacity was given to SAMA in a legal environment that upheld the concept of a Universal Banking Model allowing banks to make provision of a wide range of financial services â€Å"including banking, investments, securities, etc. through their branches.† (Saudi Arabian Monetary Agency, 2004, p.3) There were 12 operating banks by 1979 only three of which, were non-Saudi banks and branches had doubled by that year to 140. II. Lending Institutions in Saudi Arabia Five major lending institutions were introduced in the decade of the 1970s: (1) Saudi Credit Bank; (2) Saudi Agricultural Bank; (3) Public Investment Fund; (4) Saudi Development Fund; and (5) the Real Estate Fund. (Saudi Arabian Monetary Agency, 2004, p.3) Restructuring was accomplished arising from encouragement by the Saudi Government and by 1975 there was a reported â€Å"10 international bank†Ã¢â‚¬ ¦including â€Å"29 branches present.† (Saudi Arabian Monetary Agency, 2004, p.3) There was a rise and fall in the economy and SAMA faced a critical challenge for supervision in 1982 â€Å"when irregularities appeared in Saudi Cairo Bank’s operations. Two senior managers were involved in unauthorized trading in bullion during the 1979-81 period, and had concealed accumulated losses that exceeded the Bank’s share capital.† (Saudi Arabian Monetary Agency, 2004, p.3) It is reported that SAMA required the Bank to issue new shares and double its capital i n 1986. SAMA arranged this increase to be taken up entirely by the Public Investment Fund (PIF). The Bank also benefited from â€Å"low-cost† deposits from the Public Investment Fund. These measures helped the Bank with liquidity and rescued it back to a healthy position.† (Saudi Arabian Monetary Agency, 2004, p. 4-5 III. Regulatory Framework of Banking System in Saudi Arabia SAMA in collaboration with Saudi Arabia Ministry of Finance ensured the financial system’s stability and assisted banks in clearing the hurdles of economic downturn. Included in this collaborative initiative were the following actions: (1) Banks were required to seek SAMA’s approval prior to announcing their dividends. The Banking Control Law required all banks to build their statutory reserves equal to their share capital. SAMA further encouraged Saudi banks to build additional reserves to strengthen their capital base. (2) Most foreign shareholders in Saudi banks enjoyed a tax holiday for the first five years of their ownership. To encourage retention of profits, the tax holiday was extended in most cases by another 5 years after which a deferred tax scheme was permitted; (3) In 1986, SAMA obtained a ruling from the Tax Department that permitted the tax deduction of loan loss provisions on an accrual basis. This encouraged banks to increase their loan loss provisions for doubtful accounts; (4) To encourage Saudi banks to increase their inter-bank dealings and to support the development of a riyal inter-bank market, a tax ruling was obtained which exempted foreign banks from withholding taxes when carrying out inter-bank transactions with Saudi banks; (5) Corporate Governance. SAMA recognized the need to encourage banks to take strong steps to improve their risk management and control procedures. Consequently, it took major initiatives in the area of corporate governance. Firstly, it required all banks to develop and strengthen their internal audit departments, and secondly it issued minimum internal control guidelines. In addition, SAMA issued accounting standards for Commercial Banks in Saudi Arabia which were in line with International Accounting Standards; (6) Creation of Banking Disputes Committee. In 1987, Saudi authorities established a Banking Dispute Committee by the order of the Council of Ministers. The creation of this Committee a s the only relevant quasicourt to handle dispute between banks and their customers significantly strengthened the legal system. By law, all banking disputes had to be referred to this Committee and the rulings of this Committee were given the same enforcement support as decisions from any other court; (7) Exchange of Information on Large Borrowers and on Delinquent Loans. In the early 1980’s, SAMA established a credit information service that provided information to Saudi banks on all large exposures of the Banking System. This enabled banks to better assess the credit position and risk of big borrowers. Also in 1986, SAMA permitted banks to exchange information on delinquent borrowers as a means of applying collective pressure on them. These measures have proved quite effective in resolving problems of delinquent loans.† (Saudi Arabian Monetary Agency, 2004, p. 5-6) IV. Improvement of Banking Services Banking and financial services were improved during the early decade of the 1980s by technological advances and SAMA had acknowledged a decade earlier that there was not only a potential but as well as need to â€Å"enhance and strengthen the Saudi financial markets through greater investment in modern technology. It is reported that the primary objectives of this strategy were: (1) elimination of duplication of efforts and waste; and (2) development of a national infrastructure. (Saudi Arabian Monetary Agency, 2004, p. 7) Technology enhanced business services introduced included: (1) automated Cheque Clearing System (1986); (2) linking of Saudi Arabia with the SWIFT payment network; (3) introduction of a national Automated Teller Machine System enabling customers to access accounts from any machine in Saudi Arabia and from the major financial markets; (4) introduction of debit, credit and charge cards; and (5) introduction of Point-of-Sale terminals that link customers, traders and banks. (Saudi Arabian Monetary Agency, 2004, p.7) International Islamic Financial Institutions It is reported that International Islamic Financial Institutions are reported in the work of Memon (2007) entitled â€Å"Islamic Banking: Present and Future Challenges† to be making provision of â€Å"a wide range of services in accordance with the basic principles of Shariah. The products are reported to include: (1) Mudaraba; (2) Murabaha; (3) Musharaka; (4) Ijarah; (5) Isstina; and (6) Salam. (Memon, 2007, p.4) Conventional banks are reported to operate under the concept â€Å"of lender-borrower relationship where interest is considered as the rental income on capital. The depositors are assumed to be capital providers.† (Memon, 2007, p.4) Bank customers are reported to be divided into three broad categories as follows: (1) religiously motivated customers; (2) high profit customers; and (3) customers who are religiously motivated but also expect returns at least similar to conventional banks. (Memon, 2007, p.6) It is reported as follows in regards to the Islamic ec onomic system: â€Å"Islamic economics is a system, which not only fulfils our moral, ethical, and religious obligations but also demonstrates to be economically feasible and financially rewarding. Islamic banking is based on asset-based transactions for the purpose of income generation, and prohibits financing in all forms of economic activities, which are normally and/or socially injurious to the society.† (Memon, 2007, p.6) Additionally stated is that the Islamic field of Banking operations â€Å"is unlimited. It is under continuous process of evolving and Islamic financial modes instruments have been developed to cover nearly all kinds of businesses including consumer financing, project financing, house financing, working capital financing, import and export financing, venture capital, etc.† (Memon, 2007, p.6) A survey conducted in the United States indicates that U.S. banker perception of Islamic Banking includes that 10 out of 20 Islamic Banking practices are vie wed as acceptable. Those ten include: (1) investment accounts; (2) transfer of funds; (3) cost plus finance; (4) profit and loss; (5) sharing, (6) trust financing, (7) leasing, (8) lease purchase, (9) letters of guarantee, and (10) flexible investment of deposit and role as trustees. (Memon, 2007, p.8) VI. Service Quality in Saudi Arabian Banks The work of Al-Fawzan (2005) entitled â€Å"Assessing Service Quality in a Saudi Bank† states that service quality is defined as â€Å"the degree of alignment between customers’ expectations and their perceptions of the service received.† (Al-Fawzan, 2005, p.1) Al-Fawzan (2005) states that the move to â€Å"†¦managed service has increased demands for outcome-based accountability, cost containment, and attention to customer-focused quality in order to remain competitive in a rapidly changing environment. This dual focus on driving down costs while increasing quality has intensified pressures to understand, measure, and manage quality from a customer perspective.† (p.101) While banking systems are stated to provide services that are the same they are differentiated by the quality of services provided. In addition, today’s customers are â€Å"†¦more aware of the alternatives and their expectations of service have increased. Service quality c an, therefore, be used as a strategic tool to build a distinctive advantage over competitors. Banks are striving for zero defection and retaining every customer that the company can profitably serve in order to achieve service excellence.† (Al-Fawzan, 2005) Zero defections makes a requirement of ongoing efforts for improving service quality. It is reported that while quality â€Å"can not be improved unless it is measured, it can be defined from several perspectives, e.g., the ability to satisfy the needs and expectations of the customer, or the totality of features and characteristics of a product or service that bears on its ability to satisfy given needs.† (Al-Fawzan, 2005) There is a growing acknowledgement of quality importance in banking services although â€Å"its conceptualization and empirical assessment have remained limited.† (Al-Fawzan, 2005) Al-Fawzan (2005) reports that the â€Å"central tenet of the quality paradigm is the importance of understand ing and utilizing customer data to drive operational and strategic decisions, defining quality from the outside-in based on customer information is critical. This shift in defining quality often necessitates a fundamental change in the way professionals, managers, staff, and policy makers think about and identify those who â€Å"buy† or â€Å"use† products and service.† (Al-Fawzan, 2005) Those who use banking services are not generally refers to as ‘customers’ but instead are referred to as ‘client† suggesting â€Å"†¦a passive voice in the service delivery process, which is reflected by professionals in the field who question the credibility of client evaluation of services. On the other hand, customer carries an image of an active participant with more input in determining choices and decisions. Clients of human service organizations who follow directions from professionals and make few demands on the system are labeled as â€Å"cooperative.† In contrast, customers in the business sector who are loyal to the service, interact with the staff, and are willing to show their preferences are viewed as â€Å"desirable customer.† (Al-Fawzan, 2005) Al-Fawzan states that customers have difficulty in the articulation of â€Å"banking service quality† therefore â€Å"the recipient of the service can only really assess it, t hereby making its measurement more subjective than exact. Hence, the measurement of banking service quality has to be based on perceived quality rather than objective quality because services are intangible, heterogeneous and their consumption and production occur simultaneously.† (2005) It is reported that service quality â€Å"†¦ is a measure of how well the service level matches customers’ expectations.† (Al-Fawzan, 2005) It is reported that Parasuraman et al. â€Å"†¦defined service quality as perceived by customers and items from a comparison on their expectations of the services they will receive with their perceptions of the performance of the service provider.† (Al-Fawzan, 2005) The study reported by Al-Fawzan (2005) summarizes the results stated the following findings: (1) the most important dimension determined by Saudi Bank customers is that of ‘assurance dimension’; (2) a service gap exists in service quality provided b y Saudi Banks with the most notable gap being the accessibility dimension; (3) Saudi Bank customers, on average, rated Saudi Banks service quality to be overall good; (4) the expectations of Saudi Banks by customers are â€Å"highest in reliability dimension; (5) 67.8% of SB customers rated the overall service quality as good and very good; (5) SB employees dress nicely and they are polite when talking to customers; (6) SB has exceeded customers’ expectations in performing the service right from the beginning and in instilling the confidence in customers that their transactions are complete and safe.† (Al-Fawzan, 2005) The work of Sohail and Shaikh (2008) entitled â€Å"Internet Banking and Quality of Service: Perspectives from a Developing Nation in the Middle East† reports a study that had as its objective the measurement of the quality of service from the perspective of the customer on internet banking in Saudi Arabia. The study was conducted via a questionnaire survey and an extensive review of literature. Findings in the study report that upon the basis of a factor analysis three factors were found to influence the evaluation of quality of internet banking services by users. Those three factors identified are stated to include: (1) efficiency and security; (2) fulfillment; and (3) responsiveness. (Sohail and Shaikh, 2008) In 2010 Jasimuddin reported in the work entitled â€Å"Saudi Arabian Banks on the Web† reports that commercial transactions via the Internet began in 1995 and that online banking is an application with much promise. However, while many banks in developed countri es have made provision of banking services via the Internet, Saudi Arabia is â€Å"lagging behind.† (Jasimuddin, 2010, p.1) The environment in the Kingdom of Saudi Arabia’s environment is very conducive to Internet banking service provision. Jasimuddin reports that as of 2000 there were 11 banks and 1201 branches operating in Saudi Arabia. As of the middle of 2000, there are 11 banks with 1201 branches operating across Saudi Arabia. Eight banks are reported to have established a web site presence which is a rate of 73% of banks with a web site presence although only two of these offer Internet Banking Services. When the Saudi banks web sites are compared there is not major difference noted in the content of the bank web sites. The contents of the websites are stated to be inclusive of information about the bank, the addresses of branches and ATMs, phone and fax numbers, press releases, newsletters, news about the site and welcome letters, hot links, job opportunities, publications, contact and email, feedback, sitemap, site search, online forms and so forth. (Jasimuddin, 2010, paraphrased) Practically all of the banks provide information relating to customer services that â€Å"incorporate financial market, retail and corporate banking, investment treasury service, telephone and PC banking.† (Jasimuddin, 2010) I t is reported that online banking in Saudi Arabia is still a â€Å"very marginal activity† and that internet is presently being used by Saudi banks primarily for â€Å"brand awareness and promotion.† (Jasimuddin, 2010) Saudi banks will be driven by â€Å"the dynamic and imperatives of e-finance†¦to build web site and to start Internet banking.† (Jasimuddin, 2010) In other words, since this is a banking service that is increasingly familiar customers will be requesting these services from banks in the future in Saudi Arabia. VII. Technology Use in Banking Service Provision It was reported in 2007 that the National Commercial Bank of Saudi Arabia was established in Saudi Arabia prior to any other banks being established. This bank has 300 branches throughout the Kingdom of Saudi Arabia with some branches stated to be â€Å"dedicated exclusively to Islamic Banking Services. The National Commercial bank reports having implemented use of a digital signage system which is reported to make provision of a â€Å"better platform for NCB to better communicate with its employees, educating them about the banks products and services and enhancing the service they provide to their customers.† (Jasimuddin, 2010) Summary of Literature Reviewed It is clear that banks in Saudi Arabia are faced with a diverse customer-base and this makes a requirement of diversification of banking services offered by banks in the Kingdom. While internet banking services provision is somewhat behind the development in the rest of the world, it is certain that Saudi Arabian banking customers will clearly see the benefits to Internet banking and that the push will soon be on for provision of this banking service by Saudi Arabian banks. Internet banking as well as other technological advanced service possibilities are presently being explored by Saudi Arabian banks including such technologies as a digital signage system among others. While the banking sector is quite developed in the Kingdom of Saudi Arabia there does appear to be a general mistrust of Internet banking technology and not just on the part of customers but in the view of the banking industry in Saudi Arabia as well. Recommendations Arising from this study is a recommendation for research to be conducted examining the quality of banking service provision by banks in the Kingdom of Saudi Arabia with a focus on technology use. References Memon, N.A. (2007) Islamic Banking: Present and Future Challenges. Journal of Management and Social Sciences. Vol. 3, No. 1, (Spring 2007) 01-10. Institute of Business and Technology (BIZTEK). Retrieved from: http://www.biztek.edu.pk/downloads/research/jmss_v3_n1/1-islamic%20banking.pdf A Case Study On Globalization and the Role of Institution Building in the Financial Sector Saudi Arabian Monetary Agency. February 2004. Retrieved from: http://www.sama.gov.sa/sites/samaen/OtherReportsLib/SK521-04(CaseStudyonGlobalization-RoleofInstitutionBuildinginSaudiArabia-Final)Dr.Shaukat.pdf Al-Fawzan, MA (2005) Assessing Service Quality in a Saudi Bank. J. King Saud Univ., Vol. 18, Eng. Sci. (1), pp. 101-115, Riyadh (1426H./2005). Sohail, M.S. and Shaikh, N.M. (2008) Internet banking and quality of service: Perspectives from a developing nation in the Middle East. â€Å", Online Information Review, Vol. 32 Iss: 1, pp.58 – 72 Jasimuddin, Sajjad M. (2010) Saudi Arabianu Banks on the Web. Array Development. Retrieved from: http://www.tenso.fr/emarketing/wp-content/uploads/2010/05/Aper%C3%A7u-de-%C2%AB%C2%A0Saudi-Arabian-Banks-on-the-Web%C2%A0%C2%BB.pdf How to cite Banking services in saudi arabia research proposal, Essays