Tuesday, December 24, 2019

How Darwin Has A Profound Effect Beyond The World Of Science

â€Å"Darwin once said we all come from monkeys, but not literally.† This quote was said by Hal in the Malcolm in the Middle episode, â€Å"Flashback.† This is one of many examples of how Darwin has had a profound effect beyond the world of science. Through analysis of several elements of pop culture, one can see how their underlying themes are related to Darwin. The impact of Darwin’s principles can be seen in video games, literature, and television. The relevance of Darwin’s work can be observed in video games. For example, Darwin’s theory of natural selection can be applied to the general gameplay of Pokà ©mon FireRed. Darwin states that individuals with variations best suited for the habitat survive and reproduce. The protagonist in the games†¦show more content†¦This type of move inheritance is similar to real life traits can be passed down. In a different example, the Sonic franchise can be analyzed from the developer’s point of view. The first Sonic the Hedgehog game was created in 1991. It was well-received because of its groundbreaking colors, as well as the high-speed nature of the game. The Sega company realized that Sonic appealed to a wide audience, so naturally, future games are going to feature similar characteristics of the original Sonic game. This concept is comparable to Darwin’s idea that a species must survive to pass their traits to the next generation (Darwin, â€Å"Fou ndations† 1). Sega essentially implements elements of the old Sonic games, while at the same time adding new elements to improve the sequels. The theories of natural selection and heredity provide for a scientific viewpoint of the Pokà ©mon and Sonic franchises beyond the entertainment. Many literary works portray Darwinan principles. In Jeanne Duprau’s The City of Ember, for instance, a group of scientists known as The Builders create an underground city called Ember, which has a generator and supplies for the citizens to survive at least 200 years. This city was intended to protect its inhabitants from impending doom. About 240 years after the creation of this city, the supplies become scarce, and the generator is decaying. It is up to the central characters, Lina and Doon toShow MoreRelatedThe Genders Essay2071 Words   |  9 PagesThe Genders Through out history, men and women have struggled to understand each other. Society has struggled to meld their complex differences while embracing the wonder of individuality. Biologist attempt to explain why men and women are different yet comes from the very similar genetic make-up. Psychologists have made grand strides in understanding how the mind works in the dynamics of relationships between men and women. 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Monday, December 16, 2019

Critisism of the microcredit if NGOs in Bangladesh Free Essays

The criticism of microcircuit programs of Nags in Bangladesh A research paper exercised by M. Hoses suicide MS Roll no. 09122453 session: 2012-13 Department of Economics Satiny Kabuki Kaki Unusual Islam University. We will write a custom essay sample on Critisism of the microcredit if NGOs in Bangladesh or any similar topic only for you Order Now Email address: hosensiddiquee@gmail. Com Rant Johan Roll no. 09122444 Email address: Acknowledgement It is a great honor for us to work on the assigned topic and we feel glad to accomplish our task. Along with our sincerity and interest, there are few people, who really helped us to make this endeavor to be a successful one. At first, we would like to pass our appreciation, gratitude and thanks to our honorable teacher MD. Backchat Duding. His valuable suggestions and ideas in every step of our work helped us a lot to prepare this paper. Special thanks are due to the people of Trials Apical for helping us in collecting the required data for the work. Finally, we acknowledge the profound blessings and kindness of the almighty. Abstract The present study explores the criticism of the microcircuit programs of Nags in the Trials Apical under Enmeshing district. Here, we use primary data which we collect through field survey. And we found out that there has some problem of microcircuit program of Nags. This paper also examines empirically the impact of credited on the study area and found out that the interest rate of Nags is very high. This study also discusses and suggests ways to overcome the problem. So we structured this paper as follows. The first two sections of the paper provide the introduction, objective and explain the research methodology. Section three outlines the literature review. Section four explains the overall condition of the microcircuit program of Nags in the study area and also in case of Bangladesh. And section finally provides recommendation and concluding remarks. Key words: Nags, Microcircuit, interest rate, efficiency of credit, socioeconomic notation. Background of the study: Bangladesh, a country located in the south-east Asian region, inhabits above 160 million people in 55. 598 sq. Mile. And Bangladesh is one of the least developed countries, remains a poor, overpopulated, and inefficiently governed national. And poverty is the main problem of this country. Now a large number of Nags (Non Governmental Organization) are working to alleviate the poverty of the masses. They have played a very significant role in opening up access to credit for the poor people in distant areas. During the last three decades the idea of microcircuit helps poor people to build businesses, increase their income and also fight against poverty. Microcircuit has been introduced to rural communities in Bangladesh as a means of economic and social development. But in some cases microcircuit programs of Nags was not so satisfactory. We study about the negative impact of Nags of Trials Apical under Enmeshing district. The total population of this area is 372498 where a total area is 338. 98 sq. Km and 43. 30 percent (2005, World Bank) people live under poverty line. The study reveals the socio economic condition, microcircuit problem and also the positive and negative attitude of Nags in the study area. Objective of the study: The core purpose of the study is to identify the criticism of Nags operation. The specific objectives area To understanding the nature of the problem. 0 To identify the microcircuit problem of the study area. 0 To examine the effects of MONGO sector in the study area. Methodology of the study: The study is an exploratory by nature and is based on both primary and secondary data. We have collected primary data through questionnaire method. To determine the major problems of microcircuit program of Nags and socio economic condition of Trials Apical primary data was collected through field survey. And secondary data are collected from research reports, relevant published documents including books, different Journals, newspapers, magazines, website, etc that are relevant to the study. Limitation of the study: There are a number of limitations in this study. That area The respondents are limited (100 respondents or samples) in terms of size and composition. So the result may not be interpreting the overall situation of the study area. 0 The data collection was restricted only within the Trials Apical in Enmeshing district of Bangladesh which may fail to represent the actual scenario of the whole country. Sometimes respondents are biased so we cannot get appropriate data. 0 Some of the respondents are reluctant to give interview because of their experience with previous research works in the area which, according to them, bore no benefit for them. Literature review: Literature review refers the examination of other works that have done by other researchers on the criticism of microcircuit program of Nags in Bangladesh. Eave found that, in our country very few studies have been done by archduchesses Froze Begum, Salt Holmic Zamia and MD. Shania Khan(2004) studied about,†Role of Nags in Rural Poverty Eradication: A Bangladesh Observation†. In this paper he explores the role of Nags in poverty eradication especially in rural area of Bangladesh. He examines that how the Nags of this country are playing a positive and also negative role to the poor people. GAP, Donor Brief (No. 18, may 2004), examines about, â€Å"The Impact of Interest Rate Ceilings on Magnificence†. Here they explore that, interest rate is higher in MONGO than normal Commercial Bank rates and explain that interest rate ceilings almost always hurt the poor people. Sheikh Kabuki Duding Header, studied on â€Å"Impact of the Nags on socioeconomic conditions in Bangladesh: A study on Rajahs District†. He identify that poor people’s are benefited who are engaged with MONGO. He also observed some limitations of the MONGO programs. The daily star (Dacha, Deck, 12, 2008) highlighted that, magnificence is not a panacea for poverty reduction. And here explained the serious problem faced by microcircuit borrowers. David Helm and Paul Mostly (1996) also studied about the impacts of microcircuit programs of Nags. They found that, poor households does not benefited from magnificence. More troubling is the findings that a vast majority of those with starting incomes below the poverty line actually ended up with sees incremental income after getting micro loans. Overview of the study: Bangladesh is one of the poorest countries in the world. Here women are deprived by men. Many women are the victims of violence, their occupational choices are narrower and their earnings lower than men and the major portion of the women in rural Bangladesh living in abject poverty. But only a few of them get opportunity to access various types of rural enterprises that can help them to improve their economic condition. This situation has fostered the emergence of Non-Governmental Organizations (Nags). They help poor women by giving microcircuit. Now we have to discuss about microcircuit programs of Nags in Bangladesh perspective. Present scenario of microcircuit program of Nags in Bangladesh: In Bangladesh there are several institutions which is involved in magnificence activities. Nags started credit program in mid-eighties and their activities increased noticeable higher after 1990 (CDC, 2000). There are several Nosh which giving credit to the poor people, such as- Grahame Bank, BARACK, AS, SPADE, Burro Bangladesh, ASS, Rural Reconstruc tion, Poppy, etc. This magnificence sector is mature now and its assets constitute around 3 percent of GAP in 2011. Total outstanding loan of this sector (only licensed Miff) has increased by 20 percent from BAT 145. Billion in June 2010 to BAT 173. 8 billion in June, 2011 disburse among 20. 7 million poor people, helping them to be sleepyhead and accelerating overall economic development process of the country. The overall trend of magnificence statistics in Bangladesh can be shown by a table- Table: Basic statistics of MONGO-Miffs in Bangladesh (As of 30 June 2011) June’2010 No of Licensed INCOMING 516 June’2011 576 Total clients(million) Borrowers(million) 25. 28 19. 21 Amount Amount of of loan savings(TX million) 145022. 6 51362. 93 26. 08 20. 65 173797. 60 63304. 4 source: MR.-MIS Database-2011 The table shows that, at the end of June’2011, the sector had outstanding loans of BAT 173. 8 billion disbursed to 20. 7 million borrowers and had accumulated BAT 63 . 3 billion as savings from around 26. 10 million clients over 93 percent of them are women. Here we see that, the credit amount is more than savings amount. 0 Role of microcircuit programs of Nags in Bangladesh: Bangladesh is a member of the worlds least developed countries, having increased population density, unemployment, illiteracy, socio-communal unrest and many more. Now-a-days Nags have been playing supportive roles with the government. The role played by the Nags in Bangladesh is very good. They help poor people by giving credit facilities to alleviate poverty among the rural poor population. Generally, the Nags help women to empowering them. If women are empowered then their living standard also improved. We know that most of the rural peoples fight against the poverty and to get employment. And the Nags help these people by creating awareness among them, inspiring them and give credit facilities to self-employed. By these ways the Nags help for sustainable development of Bangladesh. Discussion and findings: Our study is to find out the criticism of microcircuit program of Nags in the study area. The study reveals activities about microcircuit programs of Nags in Trials Apical. The total population of this area is 372498 where a total area is 338. 98 sq. Km. But we take only 100 samples to investigate the activities of microcircuit program of Nags of the study area. The overall investigation can be expressed by following way- Table: Gender, age and educational status of the respondents Total Respondents Age group Male Female 26 8 92 Percentage 8% 92% 13 Educational status 2650 How to cite Critisism of the microcredit if NGOs in Bangladesh, Papers

Sunday, December 8, 2019

Innovation and Business Development Maintaining Sustainability

Question: Discuss about theInnovation and Business DevelopmentforMaintaining Sustainability. Answer: Introduction: Business model refers to a plan that companies utilize in order to implement successful business operation (Noyen et al., 2014). Previously, companies use to follow a particular business model for a certain period of time. However, in the present extremely competitive business environment, organizations have to focus on several factors at the time of introducing any business model for the maintaining sustainability in the market. Therefore, organizations have to made several changes in the business process to maintain the effectiveness of the business model. In this essay, the focus will be on the Bitcoin innovative business strategy that bypasses clearinghouses and traditional banks with its implemented block chain technology. Bitcoin represent internet currency that has able to revolutionize the payment system and technology. In this essay, comparison will be made on the traditional business model of the banks with the innovative business model strategy of Bitcoin to establish the significance of timely up-gradation of the business model in order to maintain its position in the market. Main Body: As per the article by Zhang Wen (2016), financial network represents a technological platform that businesses utilize for maintaining the effectiveness of the operational process. Traditional banks utilize conventional business model for the fulfillment of the operational process. For instance, traditional banking business model utilize close platforms like credit card for the effective utilization of e-commerce. On the other hand, Bitcoin represents digital monetary ecosystem that utilizes innovative technology to gain popularity in the market. The block chain technology that Bitcoin has implement in its business model has able to create major impact on the business processes in the banking sector. However, Bitcoins innovative business model has created several new compliance and regulatory challenges. It has increased the interest in identifying the source from where the money has come from. In this situation, maintaining the anonymity of the Bitcoin makes developing data trail a complex task. As mentioned by Brito Castillo (2013) the Sacramento Kings basketball team, Zynga and Overstock.com have started to accept Bitcoin payments. In fact, it has been identified that several political candidates are collecting donations through the utilization of the Bitcoin system. Over the past few years, the number of Bitcoin user is growing in a very rapid speed. Bitcoin is based on some complex and heavy data crunching, that has completely changing the traditional way of payment in the e-commerce sector. Bitcoin also has developed an ecosystem where it will have its share of losers and winners. As per the article by Hanley (2013) that Bitcoin innovative disrupters are those that have the greater possibility of becoming the winner. The article also mentioned several analogies between the pioneers of California Gold Rush and the Bitcoin innovative disrupters. California Gold Rush has able to create wealth for the miners who have jointly entered in the San Francisco area. However, it has able to create groundswell of laid foundation and entrepreneurship for the future utilization of the operational process. Bitcoins business model is very different from any other financial institution. In the Bitcoin business model, transactions are cryptographically authenticated and cannot be reserved (Barnett, 2014). It reduces the risk of online payment met hod. Many studies have highlighted that Bitcoin is among the most popular technology network that has the potential to affect the business model of the banking sector. It highlighted new type of financial assets namely crypto currencies. Bitcoin business model has provided more security in the online transaction. Therefore, majority of the people are being influenced to use more and more Bitcoin for their online transaction. As a result, it not only increasing the popularity of the Bitcoin but also creating threat for the conventional banking technique. It has been assessed that business model of Bitcoin is utilized in such away so that it can provide more financial benefits for the users. For instance, it has been assessed that transaction of Bitcoin is equal to 0.71% of the credit card transaction (Bonneau et al., 2014). In addition, studies have able to identify that there is still lot of space for crypto currency to grow into. As per the article by Tan Low (2015) $11.2 billion dollar s worth of transaction happens in USA per day. On the other hand, Bitcoins transaction is measured around $78 million worldwide. The transaction amount of Bitcoin has increased almost 450% in past five years. On the other hand, tradition business model of the banking sector utilize credit card for the effective implementation of the online transaction process. However, banks have developed several rules and regulations regarding for the effective utilization of credit card in the online transaction processes. Existing business model of the banks use four steps before approving any online transaction processes. On the other hand, Bitcoin use only three steps to implement the same process safely. As a result, it has been identified that traditional business model demands more time from the people to implement the online business transaction process safely. Furthermore, in traditional banking structure, people have to consider several factors like market deflation or inflation at the time of depositing money. As a result, it increases the possibility of risk for the people. On the other hand, Bitcoin have only issue regarding the risk factor, which is if someone can able to breach security o f the wallet. Thus, it highlights the fact that if people can able to maintain the security level of their wallet, they will definitely able to reduce the possibility of any risk. One of the prime effects of this rude awakening seems to have been a surge of interest in this virtual currency. As a result, people have utilized more than 40 online exchanges for the effective utilization of the Bitcoin. The increase in popularity of Bitcoin has raised questions against the effectiveness of the implemented business models of the traditional banks. As per the article by Bonneau et al. (2014) it is high time for the banks and other financial institution to modify their existing business model so that they can able to compete with the newly developed virtual coins like Bitcoin in an effective manner. The article has also mentioned that banks will have to consider several factors in order to increase the effectiveness of the business model. Firstly, banks will have to consider security issue to maintain its popularity in the market. For instance, several services allow people to create their Bitcoin wallet but the security of the wallet is similar to the infrastructure of the web that people rely upon (Hindle et al., 2015). Therefore, banks also have to develop an extremely secure banking service so that people does not have to face any security issue at the time of making any online transaction. Furthermore, Bitcoin does not use any central entity. Therefore, if anyone hack Bitcoin wallet, there is no guarantee that people will g et their Bitcoin back. Business model of the banks can utilize this factor to enhance the trust level of the people and also assure them that no matter what people will get their money back in an appropriate manner (Malhotra, 2013). Secondly, business model of the banks will have to highlight the viability of real money or credit card compared to Bitcoin. Now, Bitcoin has able to increase its range for the transaction in past few years but still there are lot area where use of Bitcoin is not acceptable. For instance, people cannot buy their groceries with the use of Bitcoin. On the other hand, credit card can be utilized anywhere and for any purpose. Thus, updated business model of the banks will have to highlight the benefits of utilizing traditional transaction system so that people does focus too much on the utilization of virtual money. As per the article by Kazan, Tan Lim (2015) business model of banks will have to highlight the kind of difficulties that people will have to fa ce at the time of putting real money in the Bitcoin wallet. Furthermore, business model of traditional bank will also have to provide several financial assistances to the people so that they do not feel any requirement for utilizing virtual money. However, it has been identified that initially financial institutions do not able to evaluate that utilization virtual money can actually damage their position in the market (Ali, Clarke McCorry, 2015). However, increasing popularity of virtual money has enforced them to modify their business model so that have impact on the online transaction processes of the people. Conclusion: From the above discussion, it can be assessed that innovation of new technique will create disruption in the operational processes of the traditional business. Therefore, every business will have to evaluate all the factors that can actually affect the business processes of the organization. For instance, emergence of virtual money has affected the popularity of the traditional online transaction processes like credit card. As a result, banks will also have to modify and innovate a new business model in order to maintain its popularity in the market. References: Ali, S. T., Clarke, D., McCorry, P. (2015, March). Bitcoin: Perils of an unregulated global p2p currency. InCambridge International Workshop on Security Protocols(pp. 283-293). Springer International Publishing. Barnett, E. R. (2014). Virtual Currencies: Safe for Business and Consumers or just for Criminals? 13th European Security Conference Exhibition The Hague April 2, 2014. Bonneau, J., Narayanan, A., Miller, A., Clark, J., Kroll, J. A., Felten, E. W. (2014, March). Mixcoin: Anonymity for Bitcoin with accountable mixes. InInternational Conference on Financial Cryptography and Data Security(pp. 486-504). Springer Berlin Heidelberg. Bonneau, J., Narayanan, A., Miller, A., Clark, J., Kroll, J. A., Felten, E. W. (2014). Anonymity for Bitcoin with accountable mixes.Preprint. Brito, J., Castillo, A. (2013).Bitcoin: A primer for policymakers. Mercatus Center at George Mason University. Hanley, B. P. (2013). The false premises and promises of Bitcoin.arXiv preprint arXiv:1312.2048. Hindle, G., Vidgen, R., Hamflett, A., Betts, G. (2015). Business modelling and technology leverage for value creation in the food bank sectorPhase One Report. Kazan, E., Tan, C. W., Lim, E. T. (2015). Value Creation in Cryptocurrency Networks: Towards A Taxonomy of Digital Business Models for Bitcoin Companies. InThe 19th Pacific Asia Conference on Information Systems. PACIS 2015. Malhotra, Y. (2013). Bitcoin Protocol: Model of Cryptographic ProofBased Global Crypto-Currency Electronic Payments System.Global Risk Management Network, LLC, New York. Noyen, K., Volland, D., Wrner, D., Fleisch, E. (2014). When money learns to fly: Towards sensing as a service applications using bitcoin.arXiv preprint arXiv:1409.5841. Tan, B. S., Low, K. Y. (2015). Bitcoin: Its Economics and Financial Reporting.Available at SSRN 2602126. Zhang, Y., Wen, J. (2016). The IoT electric business model: Using blockchain technology for the internet of things.Peer-to-Peer Networking and Applications, 1-12.