Logistics Essay Example | Topics and Well Written Essays - 2250 words - 2

Coordinations - Essay Example The article expects to decide how flexibly chain capacities of Johnstons of Elgin, an organization managing assembling and retailing woven just as sewed items, have empowered it to accomplish an upper hand. In addition, the degree up to which the plan of action of Johnstons can be applied to organizations in different enterprises would likewise be portrayed in the article dependent on the gave contextual analysis. Associations working in this cutting edge setting frequently need to confront difficulties in creating and conveying quality and imaginative items/administrations to their clients all inclusive with the point of accomplishing prevalent serious position. A few components can be found related as a reason for these difficulties. These incorporate expanded degree of globalization, compel made by the serious powers to advance innovatively propelled creation or gracefully frameworks and developing complexities in administrative philosophies among others (CEVA, n.d.). In this comparable setting, flexibly chain capacities bolster the business associations to accomplish a prevalent serious situating through contribution quality items to the clients by method of concentrating more on primary capabilities, perceiving the redistributing patterns and following the methodology of vertical breaking down in the operational procedures. As by and large accepted, legitimate and successful use of different kinds of flexibly chain abilities can absolutely help in settling on quality obtainment choices, which thus can empower the cutting edge business associations to achieve a better serious situating over their main adversaries (Crown, 2012). It is essential to make reference to that the prime features of gracefully chain abilities not just help the advanced business associations to achieve prevalent serious situating yet additionally empowers their particular business to continue in this serious scene. In such manner, the qualities of flexibly chain abilities in a general sense

Post Traumatic Stress Disorder Free Essays

Post-Traumatic Stress Disorder Post-Traumatic Stress Disorder is an intense mental issue numerous standard individuals can create. It causes enormous scope melancholy and can seriously harm connections and lives. Its primary driver are from an individual encountering or seeing an occasion including passing or genuine injury. We will compose a custom article test on Post Traumatic Stress Disorder or on the other hand any comparative subject just for you Request Now A person’s reaction to the injury ordinarily includes dread, powerlessness or repulsiveness. In youngsters proof of Post-Traumatic Stress Disorder (PTSD) can be displayed in confused or unsettled practices. One of the most well-known symptoms of PTSD in grown-ups is the common musings, pictures and observations about the particular injury they persevered. Reliable, startling dreams of the occasion are likewise indications of creating PTSD. For youngsters, they may likewise encounter terrifying dreams however with unrecognizable substance they probably won't see excessively well. Grown-ups can likewise display signs by going about as though they were remembering the occasions again and again. Another indication of PTSD is the evasion of considerations, sentiments and discussions with others about what occurred, and the confined scope of expressions of love and feelings showed by the person. Numerous individuals feel like they can't have adoring emotions and can have a feeling of a foreshortened future where they can’t imagine themselves having a profession, marriage, kids or even an ordinary life expectancy. By and large, the indications of PTSD start to surface around 3 months after the particular occasion, yet can be seen or experienced before too. The manifestations for the most part will in general remain around for a really long time of a period however for certain individuals it can get interminable and never leave for whatever length of time that they live. Casualties can start to feel withdrew from society and repelled by their companions and others, as though they were isolated with nobody there for them. Casualties can likewise experience issues concentrating, become hyper cautious, which implies an individual has an expanded condition of uneasiness and is continually examining their environmental factors for dangers, and overstated frightened reactions which is a symptom of all the tension they’re getting their psyches through. Alongside high conditions of nervousness, trouble dozing, extraordinary crabbiness, upheavals of outrage for non-significant reasons and serious discouragement are seen in numerous PTSD patients. Side effects have been known to be more terrible when the injury experienced is from purposeful human activities as opposed to something like a cataclysmic event. Additionally, when something includes mass losses like war, somebody who endures can encounter something known as survivor’s blame where they feel remorseful for traversing it in the mean time they lost friends and family and companions. The most clear, upsetting approach to encounter PTSD is through a flashback. A flashback is the point at which an individual has repeating pictures streak before him when taking a gander at typical things and cause the casualty to be shipped back to where the injury occurred and even start to cause the individual to feel, see, and smell the things he might’ve on that day or timespan. This is particularly regular with war veterans like Vietnam War veterans. Vietnam War veterans can and have been known to be steamed at war motion pictures, sweltering damp climate, and even Asian cooking as it takes them back to the occasions when they were abroad and where they lost a great deal of companions. PTSD has consistently been intently attached to the historical backdrop of human fighting, not simply the Vietnam War. PTSD is additionally referred to troopers and veterans as soldier’s heart, battle hypochondria, and fight exhaustion, which means an officer can lose their will to live and battle and simply need to surrender. Battle veterans who have seen or submitted fierce acts are bound to create PTSD. The men who freed the Nazi war camps in the 1940’s could have been Severely upset by the things they saw were being done to individuals. Also, through to today in the penitentiaries the United States has where they keep war hoodlums and suspected psychological militants like Abu Ghraib. Troopers who were positioned there had seen some horrendous things done to individuals, and those pictures could stay with them for quite a while. Notwithstanding, it was not until after the Vietnam War that PTSD turned into a notable and genuine emotional wellness condition and caught the enthusiasm of specialists and therapists. An investigation done on Vietnam War veterans indicated that in any event 1. 7 million veterans had encountered a genuine instance of PTSD when their visit was finished or after the war. The consideration got by the Vietnam War veterans additionally helped shed a light onto casualties of different wars and occasions and permitted the as yet living Holocaust survivors to look for help in the event that they wished. Another examination demonstrated that 55% of ladies were casualties of a fierce wrongdoing and that one out of four of these ladies experienced PTSD. It can influence everybody for a boundless measure of reason extending from cataclysmic events like a typhoon or seismic tremor to something later like the psychological militant assault of September 11, 2001. Numerous regular folks who got away from New York City that day saw and encountered a portion of the most exceedingly terrible things comprehensible, and probably the biggest gathering of individuals who experienced that occasion was the individuals from the FDNY, NYPD, and PAPD. With the FDNY losing 343 fire fighters, the NYPD losing 23 cops and the PAPD losing 7 officials, the people on call for the World Trade Center endured overwhelming setbacks. Many individuals lost individual siblings and sisters going into the structures endeavoring to spare blameless regular citizens and lost their lives. An awful occasion like 9/11 influences a bigger measure of individuals and hits them harder than different things because of the seriousness, lives lost, and pointlessness of the assault. Individuals who as of now may have hidden or earlier psychological wellness issues are bound to create PTSD. Hereditary qualities additionally assume a job in making a few people defenseless to PTSD and two individuals who are encountering a similar injury can have two distinct results. One individual may have the option to get past it and the other may be totally intellectually depleted and endure the most exceedingly terrible of the side effects. Individuals may not realize they have PTSD until the demise of a dear companion or relative or a separation or something extraordinary carries them to a passionate low and can make them review what they may have experienced. PTSD is a genuine state of mind that influences a greater number of individuals than anybody may know. A few people are acceptable at concealing emotions while others are definitely not. Unfortunately a few victims resort to utilizing overwhelming amounts of liquor and sedatives to numb their agony and make them ready to adapt to the upsetting memories, bad dreams and rest issues and tragically many end up reliant on the medications they’re utilizing. PTSD can likewise prompt self destruction if the casualty encounters cut off measures of survivor’s blame or feels as though they can’t take it any longer. Works Cited: . Vrana, Scott. â€Å"Post-Traumatic Stress Disorder. † Salem Health Psychology Mental Health. First release. Supervisor: Nancy Piotrowski. Volume 4 Pasadena, CA: Salem Press, 2010. Print. 2. Mill operator, Allen, â€Å"Living With Anxiety Disorders† New York, Facts on File, 2008. Print 3. Jan Fawcett, â€Å"Post Traumatic Stress Disor der† The Encyclopedia of Mental Health Ada Kahn. First Edition. Volume 1 New York. Realities on File. 1993. Print. 4. nymag. com/news/articles/wtc/1year/numbers, New York Magazine, 11 September 2011. Web. 20 November 2011 The most effective method to refer to Post Traumatic Stress Disorder, Essay models Post Traumatic Stress Disorder Free Essays He himself additionally experiences OPTS, and has sections about his contemplations, emotions, and family intercession when he was composing his diary. â€Å"Speaking of Courage,† recounts to the narrative of another individual from Tim O’Brien unit, Norman Booker, following his arrival to his old neighborhood In Iowa. Booker feels liable for the passing of Kiowa, who actually suffocated In human waste during a firefight when the unit was digs in what ended up being a field of sewage. We will compose a custom exposition test on Post Traumatic Stress Disorder or then again any comparative point just for you Request Now Solidified in alarm, Booker couldn't force himself to move and haul the injured Kiowa out of the smelling sewage. Presently, back in Iowa, he just drives In hovers around town, feeling erratic and strange. ‘How to Tell a True War Story Is an assortment of little stones Interspersed with guidelines about â€Å"true† war stories. The storyteller recounts to the tale of his companion Rat Killed, who composes a letter to the sister of his pal who had been murdered seven days sooner. It is a long, sincere letter. He sits tight for two months for an answer precisely, however the sister never composes back. The story at that point movements to analysis. A genuine war story Is never moral† (O’Brien 65) the storyteller Instructs. These two stories contain read instances of various manifestations of post-horrendous pressure issue, in a way that can additionally disclose them to the peruser. The Vietnam War was battled by a philosophy against an Ideology, and at last unraveled almost no while harming such a significant number of. Picks is a dysfunctional behavior that Is cause by an awful accident that has occurred In ones life and can be handily activated by an every day action. Horse close assessment, Tim O’Brien assortment, The Things They Carried, investigates the impacts of Post Traumatic Stress Disorder according to Vietnam, since characters have inclined to furious upheaval, slip by, and self-destructive inclinations. The heartbreaking occasions that are seen during the war in â€Å"How to Tell a True War Story’ can cause prompt instances of outrage upheavals. Outrage is supposed to be a spread for different feelings, for example, dread or hurt, and can likewise be a method of driving individuals away so as to ensure oneself. Be that as it may, inclinations for abrupt upheavals of outrage are Like an appearance of hyper-

Tips for Writing Academic Term Papers

Tips for Writing Academic Term PapersAcademic term papers should be done with the full view of how important it is to do well in them. It is important that the paper is interesting, compelling and backed up by a proof.When a student is preparing for the paper, he should first know how many questions will be asked. This gives him an idea of what he has to prepare. The students' test scores will help the professor decide the type of paper to be written. Paper will be made using the topic of the term papers.The next thing to think about is how much time will it take to finish the paper? After all, it would be good if a student could finish the assignment within two weeks but some people have deadlines. In order to avoid the topic getting boring, the paper must include new and exciting ideas, but the main point is to make the paper interesting.Research is another important aspect in term papers. The student should find the answer to a question by digging up relevant information from the internet or any other source he may use. The required topics should be carefully selected and the students should include many different sources.The student should also be able to state his thesis as the subject of the paper. The thesis should be supported by proofs and this will help in qualifying him for a degree. The proof must be based on facts, figures and the researcher must be able to write in an easy and fluent manner.It is important that the thesis statement should be incorporated into the paper. It is not wise to make the statement at the end of the paper. Instead, it should be the beginning.One should also be able to express himself as well as being able to present the facts correctly in the term papers. The key to success is to ensure that the students are able to express themselves in a logical manner.The student should be able to do well in term papers. This will give the students the impression that they are able to keep up with the competition and will be prepared to take any honors or challenges that may come their way.

Social and Medical Disability Models Essay - 2243 Words

Introduction In this assignment, I aim to provide the reader with an overview of two prominent models of disability: the medical model and the social model. More specifically, I intend to outline the differences between these models, especially their theory and practice. Firstly, I will note the definition of what a model of disability is and point to its relevance in disability studies. I will also briefly examine the origins of both the medical and social models, but mainly outlining the contributions of their respective theoretical content and influence in society. Overall, the main aim of the assignment is to be achieved by providing a general outline of the social and medical disability models, which can be used to highlight†¦show more content†¦As Karen Hammell (2006, p. 55) states, a model ‘encapsulates specific knowledge and perspectives and posits links between data†¦shaped by ideas’. Hence, a model provides an understanding of disability. This is achieved by arriving at clear definitions to impairment and disability based on justifiable theory, and noting relevant practice methods. Two of the most prominent models of disability in today’s practice have been the medical model and the social model. It should be understood that the fundamental difference between both models lies in their definitions of impairment and disability. Only when there is definition can there be a progression to practicality for a person with an impairment. The social model, advocated by the prominent Union of the Physically Impaired Against Segregation (UPIAS) in the USA, conclude that disability is ‘[restrictions placed] by a social organisation which takes no account of people with physical impairments and excludes them from participation’ (Barnes Mercer, 2003, p.11). The UPIAS describes impairment as having any partial or complete defection of a bodily organ or part. Disability, defined within the theory of the medical model, is finely exemplified by the World Health Organisation’s (WHO’s) International Classification of Impairments, Disabilities and Handicaps (1980). Here, disability is designated as a ‘lackShow MoreRelatedSocial Medical Model Disability1203 Words   |  5 PagesThe social and medical model of disability There are a number of ‘models’ of disability which have been defined over the last few years. The two most frequently mentioned are the ‘social’ and the ‘medical’ models of disability. The medical model of disability views disability as a ‘problem’ that belongs to the disabled individual. It is not seen as an issue to concern anyone other than the individual affected. For example, if a wheelchair using student is unable to get into a building becauseRead MoreThe Medical And Social Models Of Disability2264 Words   |  10 Pages What do you understand by the medical and social models of disability? Illustrate your answer with examples from your media portfolio. The social and medical model are separate elements which have a big impact on people’s life. Disability as a whole influences society because we start from a young age learning, which will effect the kind of person we are and the kind of person we become. The word ‘model’ helps define the disability and understand the concepts in which it is perceived by individualsRead MoreMedical and Social Models of Disability Essay1857 Words   |  8 PagesIt could be said that in modern industrial society, Disability is still widely regarded as tragic individual failing, in which its â€Å"victims† require care, sympathy and medical diagnosis. Whilst medical science has served to improve and enhance the quality of life for many it could be argued that it has also led to further segregation and separation of many individuals. This could be caused by its insistence on labelling one as â€Å"sick†, â€Å"abnormal† or â€Å"mental†. Consequently, what this act of labellingRead More3.3 Explain the Social and Medical Models of Disability and the Impact of Each on Practice.998 Words   |  4 PagesSocial models and medical models of disability By labelling a child because of there disability can prevent us as seeing the child as a whole person like their gender, culture and social background the medical models is a traditional view of disability and that through medical intervention the person can be cured where in fact in most cases there is no cure. They expect disabled people to change to fit into society. The social model of disability looks at ways to address issues to enable peopleRead MoreModels of Disability941 Words   |  4 PagesModels of Disability Disability is a human reality that has been perceived differently by diverse cultures and historical periods.   For most of the 20th century, disability was defined according to a medical model. In the medical model, disability is assumed to be a way to characterize a particular set of largely static, functional limitations. This led to stereotyping and defining people by condition or limitations.   World Health Organization (WHO) – New definition of Disability In 2001, theRead MoreThe Medical Model Of Disability952 Words   |  4 PagesDisability means something entirely different depending on the people you ask. Ask a person who does not have a disability and they may give you a view that is based on the medical model of disability. Ask a person that is disabled and they may give you a view that is based on the social model of disability. While both views of what disability means have their merits, not one interpretation is universally accepted. I believe the truth lies somewhere in the middle. At the intersection of the medicalRead MoreThe Medical Model Of Disability1533 Words   |  7 PagesThe medical model focuses more on the problem and not the person, so the problem would be things such as the disabilities and impairments rather than the needs of the person. The medical model thinks the way to solve the disability would be through things such as surgery, physio etc. If people who follow the medical model think that that a medical cure is not possible then they could exclude someone with a disability from a normal day to day activities or they could be shut way from society in aRead MoreContrast Between Social Model and Medical Model844 Words   |  4 PagesContrast Between Social Model and Medical Model. In my research I have come across many contrasts between the Social and Medical Models and here is just some of what I have found out. Under the Medical Model in New Zealand we have a very direct view with those that are classified as intellectually disabled, for example a child that is diagnosed with ADHD is automatically going to be hard for Parents and Society as a whole to deal with as according to Medical Model these children have authorityRead MoreSocial Model And The Medical Model1577 Words   |  7 PagesIn today s society two models dominate, the social model and the medical model. Both are used to label those who have impairments. The social model focuses on fixing the society to fit in with impairments which was introduced alongside the disability movement. The 18th century otherwise knowns as the age of enlightenment saw the introduction of some although very primitive ideas of human science and what may cause impairments with this came the ideals that today may be argued to be held with credibilityRead MoreEvaluate Two Models of Disability in Terms of Explaining the Concept of Disability.1613 Words   |  7 PagesEvaluate two models of disability in terms of explaining the concept of disability. Medical model;-- Weaknesses;-- There are many weaknesses of the medical model. One of the weaknesses that I am going to talk about is that in some cases people see the medical model as an insult due to the fact that the model tries to ‘fix’ people with a disability instead of making adjustments and adaptions to environments, activities etc†¦ for them. Due to the fact that the medical model is trying to ‘fix’ tem, may

Noble Gas Definition and Examples

Noble Gas Definition: elements Group 8 Periodic Table Examples: Helium argon xenon Return to the Chemistry Glossary Index

Three Primary Types of Decision Making Systems - 1690 Words

Define the three primary types of decision-making systems, and explain how a customer of Actionly might use them to find business intelligence. The three primary types of decision-making systems are: the transactional support system, the management information system, and the decisions support system (FreeTutes.com, 2014). First, the transactional support system encompasses all of the information contained within a single business process or unit of work, and its primary purpose is to support the performing of daily operational or structured decisions. Some examples of transactional information are when customers purchase stocks, make an airline reservation, or withdraw cash from an A.T.M. (Baltzan, 54). A customer of Actionly could use†¦show more content†¦(Baltzan p.54) Analytical information encompasses all organizational information, and its primary purpose is to support the performing of managerial analysis or semi-structured decisions. Analytical information is used to identify and explain problems, market trends, sales, product statistics, and forecast future growth. (Baltzan p.55). The difference between transactional and analytical information is: transactional data drives operations, and analytical data drives strategy. Actionly would use both transactional and analytical information to create a digital dashboard for its customers. Analytical information such as social ROI, Twitter analytics, sentiment analysis, and competitive analysis are all forms of historical data. This historical data would then be utilized to observe marketplace trends, the successes or failures of a rival company’s new product launches, and acquisitions. This data could also be analyzed to monitor customer feedback and the brands reputation management. (Baltzan pp. 43-44). Transactional data such as marketing campaign tracking, click performance, and finding influences would be utilized by Actionly to measure the competitions market share. Actionly could segment transactional data by posts to track marketing campaigns to view the tendencies of an entire industry like clean energy. Actionly uses all of these types of information to create gages, lights, graphs, and numbers to direct its customers towards problem areas and quickly describeShow MoreRelatedIfsm 3001136 Words   |  5 PagesChapter 1: Management Information Systems: Business Driven MIS Learning Outcome 1.1: Describe the information age and the differences between data, information, business intelligence, and knowledge. Learning Outcome 1.2: Identify the different departments in a company and why they must work together to achieve success. Learning Outcome 1.3: Explain systems thinking and how management information systems enable business communications. Learning Outcome 1.4: Explain why competitive advantages areRead MoreTrying Juveniles as Adults Essay1312 Words   |  6 PagesAccording to Caldwell (1961) the juvenile justice system is based on the principle that youth are developmentally and fundamentally different from adults. According to Mack (1909) the focus of the juvenile justice system has shifted from â€Å"was the crime committed† to â€Å"why did the child commit the crime†, â€Å"how can we help the child†. When performing as it is designed and up to the initial intentions, the juvenile court balances rehabilitation (treatment) of the offender with suitable sanctions whenRead MoreEssay about HSA Assingment One Primary care clinic1528 Words   |  7 Pagesï » ¿The Primary Care Clinic January 31, 2015 HSA 300 - Health Services Organization Management Professor Janet Kaplan The Primary Care Clinic Many important factors go into play when running a healthcare organization. I plan to discuss some of the key components that have influenced the development of this health care facility. The clinic mission statement will be stated and addressed to clear up any confusion. I plan to identify the three performance measures I would use to measure the clinic’sRead MoreReforms of the German Education System Essay1582 Words   |  7 PagesReforms of the German education system: The abolition of the divided secondary school system and a prolonged integrated primary school In Germany at present six- to ten-year-old pupils visit primary school from first to fourth form. At the age of ten an allocation takes place: the pupils are divided into four groups depending on intelligence and achievements at school. The ‘Gymnasium, which is roughly equivalent to grammar school, is visited by the best ones, and their final examination afterRead MoreThe Initiatives Of Primary Care1273 Words   |  6 Pages Initiatives of Primary Care Introduction The American Academy of Family Physicians suggests that there is no single definition that can completely define primary care. Primary care has several definitions because it is a multi layered approach and network of services experienced in the early stages of an individual’s entry into the health care system. Primary care involves primary care practices, primary care physicians, non-primary care physicians, and non-physician primary care providers (1)Read MoreProfessional Skills For Information Systems1591 Words   |  7 PagesProfessional Skills for Information Systems CIS5100 S1 2017 Submitted By Deepak Chander Jaikumar U1097711 10 May 2017 University of Southern Queensland The database is a collection of related data that is organized in some way so it can be accessed easily and can be managed updated. Relational database management system (RDBMS) is DBMS system that is based on relational model. In this model, data is represented in tuples. The query is the type of request for the information fromRead MoreThe Community Model and Historical Developments1198 Words   |  5 Pagesusing different models that will impact the underlying quality of care and the focus of staff members. To determine the most effective approach, there will be an emphasis on a number of areas to include: examining the community model, identifying three categories, comparing this with nursing practices, contrasting these ideas to Mihaela Colea views and discussing the importance of advocacy projects. Together, these different elements will provide specific insights that will highlight the best practicesRead MoreItm301 Sl1 Essay921 Words   |  4 Pagesdefine an information sys tem and types of information systems, Provide three examples of information systems used in real life and tell us what type of information systems they are and how are they related to the learning objectives for this module. I have picked three examples of information systems in real life applications, they are: Pandora radio (decision support system), cashier register (transaction processing system) and Facebook (office automation system). Information system are vital to knowledgeRead MoreQuestions On Batch Processing And Online Processing1325 Words   |  6 Pagesprocessing and online processing. A. Batch Processing Online Processing 1. In this processing method all tasks are performed as a batch. Means all transactions are grouped and executed at one time. 2. Here in this type of processing records or reports of those transactions are available after processing the batch only. 3. All records are updated into master databases after batch processing. Before processing we will not get any reports or information about thoseRead MoreCommon Law and Civil Law1669 Words   |  7 PagesTopic 1: Distinguish between the role of criminal law and civil law in relation to the legal system and analyse the purpose of the law. Criminal law is the body of  law  that relates to  crime. It might be defined as the body of rules that defines conduct that is prohibited by the state because it is held to threaten, harm or otherwise endanger the safety and welfare of the public, and that sets out the punishment to be imposed on those who breach these laws. [1] The criminal law serves

Essay about Reflective Journal for Business Communication

Question: Discuss about theReflective Journal for Business Communication. Answer: Introduction: The Nature of Intercultural Communication: As stated by Browaeys and Price, (2011) that no cultural pattern is inherently right or wrong. It is a wrong perspective to judge a person with respect to his or her culture or cultural behavior. It is important to focus on a specific culture to communicate with people belonging to other culture. It is important to understand what is actually happening around the world (Chaney Martin, 2011). It is based on the findings, a narrow comparison is made and an intercultural approach can be drawn. I have come up with a number of people who have different cultural background than I have. Once in a meeting with a girl who belonged to India, I got the opportunity of understanding their basic culture and mindset. She came to Australia for pursuing her education. I wanted to know her point of view regarding the difference in culture of the people from her home country and with the people that they are getting acquainted when they are pursuing their education. I have understood that the girl faced lot of trouble in communicating with her peers and classmates. Reading Christopher, (2012), it has been known that there always arises a difficulty among the foreign students to understand the language and accent of the people. In case of Asian students, it can be said that they have the British accent. Australia was also colonial country, but their accent is more inclined like that of the Western countries (Beamer Varner, 2001). Therefore, there automatically arises a situation when certain level of difficulty shall arise as a result of understanding the language. These findings have cleared the concept that culture is nothing but human creation. People adapts to the changes as a part of their environment. Therefore, culture can be easily regarded as a non-biological aspect of life that actually develops as a part of shared meaning and values and norms. Every social system has certain values and norms and this keeps on developing with increasing interaction and communication (Cook Cook, 2011). I have acknowledged that people view the world from their point of view. The spreading of culture has resulted in the formation of an inter-cultural communication that have widened the horizon for better interaction and communication with people around the Globe. There are certain communication barriers as well that include physical environment, linguistic barriers and even competition with other race or ethnic groups of people (Deardorff, 2009). However, there have been several changes in the recent time that has opened the horizon for better intercult ural communication. With the basic understanding I have developed great confidence that helped me to recognize the ethical approaches that one must possess. This understanding shall help me to deal with different situations both in terms of personal as well as professional life. References: Browaeys, M. Price, R. (2011). Understanding cross-cultural management. Harlow: Pearson. Chaney, H. C. Martin, J. S. (2011). Intercultural Business Communication. 6th edition. Upper Saddle River:Pearson Prentice Hall. Christopher, E. (2012). Communication across cultures. Palgrave Macmillan. Cook, R. A. Cook, G. O. (2011). Guide to Business Etiquette. 2nd edition. Boston: Prentice Hall. Deardorff, D. K. (2009). The Sage Handbook of intercultural competence. Thousand Oaks: Sage.

The Cosmic Dance of Siva

In his essay sex, drugs, disasters and extinction of dinosaurs, Stephen Jay Gould expounds on how to differentiate facts from opinions. According to Gould, a fact must have a hypothesis, which opens the doors for scrutiny by other researchers. On the other hand, an opinion is always restrictive in terms of further research. Therefore, for an assertion to be true, it must have many facts, which are not only debatable but also seems true in terms of science.Advertising We will write a custom essay sample on The Cosmic Dance of Siva specifically for you for only $16.05 $11/page Learn More Gould explores on three aspects, which were behind the extinction of dinosaurs. Analytically, sex, drugs and disasters are the elements, which contributed to the extinction of dinosaurs. However, Gould distinguishes them as either fallacies or facts by analyzing the evidence presented. First, Gould proves the theory on sex as one of the element behind extinction of dinosau rs as an opinion. According to Cowles, prior to the Cretaceous period the global temperature were extremely high (Gould 438). Scientifically, the dinosaurs were large and therefore, they had small surface area to volume ratio. Due to inability to control heat adequately, the testes, which are highly sensitivity to heat, became dysfunctional (sterilization), leading to the extinction of dinosaurs. On the contrary, according to Gould, Cowles statement lacks scientific evidence thus classifying it as an opinion. Besides, lacking a testable hypothesis there are various ways, which the animals could have avoided the extreme heat either by resting in caves or in shades. Secondly, Cowles never studied the temperature tolerance of the testes because there are no fossils to assist in that. Thirdly, the assertion lacks an argumentative hypothesis, which is one of the aspects behind scientific research. Conclusively, the aspect on sex as an element, which contributed to the extinction of dinos aurs lacks enough support to qualify as a fact. Similarly, the assertion that dinosaurs died due to poisoning from alkaloids found in plants is also an opinion. First, the researchers do not know which food/plants the dinosaurs depended on or ate. Secondly, the angiosperms existed before the dinosaurs thus; they cannot be the reason behind their extinction. Thirdly, a liver is a mass tissue and therefore, there are no fossils to prove Sigel’s assertion. Therefore, due to the lack of tangible evidence and a testable hypothesis the issue on drugs is also an opinion. According to Gould, in scientific terms all opinions lack further research as it is the case with drugs and sex.Advertising Looking for essay on communications media? Let's see if we can help you! Get your first paper with 15% OFF Learn More On the contrary, the assertion on disaster is a fact because the hypothesis has not only drawn more researches but also there are tangible evidence in terms of fo ssils and rocks to prove that. The Alvarezes constructed a testable hypothesis after conducting various studies on rocks like Iridium and platinum (Gould 449). Consequently, his hypothesis has opened many doors for studies all over Europe an element that classifies his assertion as a fact. Therefore, a fact must provide room for further research, evidence through recordings, fossils or rocks and must draw worldwide attentions from other scientists. In brief, through his essay Gould gives characteristic of facts and opinions. Opinions lack argumentative hypothesis thus people may not be able to conduct further research on them. Facts have tangible evidence; draw worldwide attention through giving room for further research. Therefore, Gould groups sex and drugs as opinions, which lacked any proposal or hypothesis. Finally, disaster is the only fact, which may have contributed to the extinction of the dinosaurs mainly because of the geochemical evidence provided by the scientists. Work s Cited Gould, Stephen. â€Å"The Cosmic Dance of Siva.†The Flamingo’s Smile. New York: W.W. Norton Company, 1985. 438-450. Print. This essay on The Cosmic Dance of Siva was written and submitted by user Caleb I. to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

HRM Practice on Jamuna Bank Essay Example

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