Theoretical Writing Assignment Essay Example | Topics and Well Written Essays - 1500 words

Theoretical Writing Assignment - Essay Example Cultivation theory According to Gerbner (1969), television determines how a person looks at society. Television is broadly accessible to all people. Moreover, as Gerbner (1969) says, television is becoming very powerful because it is seen as a part of modern living and personal lifestyle. Unlike other types of media, television is one media of mass communication that is accessible to people right from childhood (Bryant & Zillmann, 2002). In this case, the television becomes the main way that people have acquired information, both general information and cultural reality. In this regard, as people grow old, television becomes a major part of determining how they view things. Reality is based on the general information that people gather while growing up. Because of this, it can be said that a person’s reality is based on the information they have gathered over time, whether in a formal or an informal way. A child in Africa who has no television may have a completely different v iew of reality from one in the United States. In the developed world, television has become the centre of cultural learning. Cultural artefacts are learnt through television. Television is a perfection of the society. Because most of the programs in television are fiction acted out by a well directed model, it creates the perfect world for individuals. The role of television in the modern developed world can be best understood by looking at the way culture was passed on before mass media. Cultural festivals were important in every society as a way to hand down important cultures. In this case, the cultural festivals and other cultural norms passed down from the older generation acted as a way to create a reality for the society. It is important to note that even in early days before the arrival of modern mass media most of the cultural reality was created with the intention to achieve something. Modern television may be geared towards cultivating a reality that will promote consumer ism to the benefit of the corporate world (Gerbner, et al., 1986). In the past, these perceived realities were created as a way to preserve the society and make people easy to govern. Looking at television, one can identify that television is just a modern extension of the tradition ways of passing on reality to the society. Before television, society created reality by telling specific stories which were told to children since they were young and this created a reality for them. There has not been much change about this due to a number of reasons. First, a look at television shows that deletions is used to tell (factious) stories which are bent towards changing the way an individual thinks about reality (Paisley & Stone). This is why over fifty percent of American believes that there are aliens who have visited this plant with UFOs despite there being no scientific evidence of such events. Violent TV shows There has been a greater debate ion how violent television shows affects an individual, especially young adults. This debate is very important because it has very serious implications. Most people still believe that the various grass incidences of mass shootings in public schools and other public places by young adults has been caused by violent video games. So the question that every person should be answering is whether these people who have

Nursing Leadership & Management and its Concerns Essay

Nursing Leadership & Management and its Concerns - Essay Example There is certainly also the feeling that I am being taken advantage of because of my willingness to substitute on other units. The nursing office may have other choices, but probably consider me the easiest to convince. So, although it is not usually in my personality to be confrontational, I feel that I would have no choice under these circumstances and I would initially have to use the confronting conflict resolution method in approaching this situation. I would need to confront the nurse's office with the fact that I have no qualifications to work OB and that even though I have served in different capacities in the hospital I would not feel secure in giving the patients in OB anywhere near standard care. This also uses the technique of forcing my view on the nurse's office so they can see that I am not willing to just say yes. However, not wanting to make my supervisors feel that I am not a team player and simply do not want to cooperate because it is Saturday night, I would also use the strategy of negotiation to help resolve the problem for both the hospital and myself. Each party, may or may not be aware of the others conceptualization of the meaning of the conflict, but the parties do have what they believe is a clear concept of the conflict in their own mind. To determine the accuracy of the beliefs about the conflict, both parties need to sit down and determine the existence and nature of the conflict and the reasons it exists. (Kelly-Heidenthal, 2003, p. 338) I would suggest that I substitute for someone else on another ward that I am more capable of handling and that they are they are more qualified, work in OB. Although the Nurses office said that I am the most qualified, I may only be the most available and if they looked into it the way I suggest they may be able to find an alternative. If they were not able  to, at least my offer to work would help to placate any suspicions that I am just trying to go out on a Saturday night.

Environment Analysis Essay Example for Free

Environment Analysis Essay Organizations analyze the environment in order to understand the external forces so that it could help to develop effective responses to secure or improve their positions in the future. There existed a positive relation between environmental analysis and profits of an organization. Top management looked at information in two ways: viewing and searching information. This information needed to be evaluated and disseminated to strategists within the organization and to help top management to make decisions that could create strategic advantage for the organization to succeed in a changing environment 1. There were research evidences that showed that environmental analysis was linked with improved organizational performance. Hence, it remained insufficient to assure performance, without aligning information with strategy. The main debate in strategy and environment was concerned with the primary importance of the environmental analysis in strategy formulation and implementation. 84 Reserve Bank of India The Reserve Bank of India is fully owned by the Government of India. Initially it was viewed to bring the greater coordination of the monetary, economic, and financial policies. During fifties objectives of Reserve Bank of India underwent changes. It was recognized that Reserve Bank of India needs to take on direct and much more active role, in developing machinery for financial development in order to ensure flow of finance in the country. Reserve Bank emerged as a regulatory and a growth promoting institution. In the beginning limited to the agricultural sector, the Bank later covered small-scale industries as well. The affairs of Reserve Bank of India are governed by the central board of directors. The board is appointed by the Government of India according to the Reserve Bank of India Act. The preface of the Reserve Bank of India describes the basic functions of the Reserve Bank as: â€Å"to regulate the issue of Bank Notes and keeping of reserves with a view to securing monetary stability in India and generally to operate the currency and credit system of the country to its advantage† 2. The Reserve Bank? s freedom may be viewed broadly to the areas like management including personnel matters, financial aspects, and to conduct polices. Managerial freedom refers to the procedures for appointment, term of office and dismissal procedures of top central bank officials and the governing board. It also includes the extent and nature of representation of the Government in the governing body of the central bank. 85 Financial freedom relates to the freedom to decide the extent of Government expenditures directly or indirectly financed by the central bank? s credits. Finally, policy freedom is related to the flexibility given in the formulation and execution of monetary policy, under a given authorization. Reserve Bank of India has over the years been responding to changing economic circumstances. The Reserve Bank of India performs the function of financial supervisor under the guidance of Board for Financial Supervision. This board undertake consolidated supervision of the financial sector comprising of Commercial Banks, Financial Institutions, and Non-Banking Finance Companies. The key functions played by this board were restructuring of the system of Bank, introduction of off-site scrutiny, strengthening the role of legislative auditors, and strengthening the internal defences of supervised institutions. Currently this board focus on supervision of financial institutions and legal issues in Banks. Reserve Bank of India acts as a guard for Commercial Banks. Commercial Banks are required to keep a certain proportion of cash reserves with the Reserve Bank and Bank provide them various facilities like advancing loans, underwriting securities etc. Reserve Bank of India controls the volume of reserves of Commercial Banks and thereby determines the deposits and credit creating ability of the Banks. Whenever Commercial Banks need funds they get it from the Reserve Bank of India. Apart from playing the role of Banker to the Banks, Reserve Bank of India also play promotional role. The aim is to establish and assist the establishments of a number of financial intuitions for filling up of various financial institutional gaps in the rural and semi-urban areas. 86 Other roles played by Reserve Bank of India are: Reserve Bank stabilizes the external value of the national currency. The Reserve Bank keeps gold and foreign currencies and manages foreign currency in accordance with the controls imposed by the government. Reserve Bank of India facilitate external trade and payment and promote orderly development and maintenance of foreign exchange market in India. Reserve Bank has taken the responsibility of meeting directly or indirectly all legitimate demands of Commercial Banks under emergency conditions and to a certain extent Reserve Bank influence the credit policy of Scheduled Banks. The Reserve Bank has instrument of control in the form of the bank rate, which it publishes from time to time 3. A list of the Reserve Bank of India Committees from 1990- 2008 was prepared to get an impression about developments with respect to Banking Industry (Appendix- III). The recommendations resulted into remarkable changes in products and policies of Banking Organizations. Indian Bank’s Association (IBA) Indian Bank? s Association is a leading service organization of Banking Industry in India. It aims to integrate Banking and finance system catering to all financial requirements of customer? s. It was formed in 1946 with 22 members. Today Indian Bank? s Association has more than 159 members comprising of Public Sector Banks, Private Sector Banks, Foreign Banks (having offices in India), and Urban Co-operative Banks. 87 The main objectives of Indian Bank? Association are: promoting and developing sound and progressive Banking principles and practices in order to assist Banks to develop and implement new ideas and innovative Banking services, operations and procedures; organizing co-ordination and co-operation on procedural, legal, technical, administrative or professional problems and practices of Banks ; circulating statistical data, informati on, views and opinions on the Banking System; conducting Management Development Programs for Banks; promoting education and knowledge of the law and practices of Banking Industry; to help in projecting good public image of Banking Industry ; and to promote harmonious relationships by devising ways and means for involving Banking personnel? in the growth and development of Banking Industry. Indian Bank? s Association tries to achieve excellent service quality and customer care through its focused efforts to make each customers experience a pleasant one. Towards this end Indian Bank? s Association stressed on to build staff potential by each Bank to address customer challenges and asked Banks to design a performance management system, which focuses on rewarding the staff for delivering flawless customer service. In 2000, Indian Bank? s Association reviewed the charters of different Banks and brought out a „Model Citizen Charter? explaining to the customer? s what they could expe ct from the Bank? s as a matter of right. Apart from this Indian Bank? s Association brought „bankers fair practices? in 2004 which was adopted by all Banks voluntarily. It also came out with „fair practice code for credit card operation? and „model code for collection of dues and repossession of security? with special concern to customer? s voice about Banking practices 4. 88 Ministry of Finance Ministry of Finance in India governs the entire fiscal system of the Government of India. The three departments headed by the Ministry of Finance in India include: economic affairs, expenditure, and revenue. Thus, it mainly centralizes around the economic and financial issues pertaining in India. Ministry of Finance Government of India, Banking Division is managing Government policies related to the working of Banks and the term lending to financial institutions. This Division is headed by Secretary (Banking and Insurance) and operates through three subdivisions: Industrial Finance; Banking Operations; and Banking and Insurance. Each subdivision is headed by a Joint Secretary. The Banking Operations sub-division deals with legislative proposals described to Banks, non-banking financial companies, and other related matters like appointments of Chief Executives and Government nominee Directors and non-official directors on the boards of Public Sector Banks. In addition policy matters relating to Private Banks, Foreign Banks, and improvement of customer? service in Banks and redressal of customers grievances are also dealt with this Banking Operations sub-division of Ministry of Finance. This sub-division also deals with vigilance matters and appoints Chief Vigilance Officers (C VO? s) in the Public Sector Banks to enable the Public Sector Banks to meet the credit requirements for the productive sectors of the economy in proportion to the economic growth of the country. The Government is committed to infuse capital funds in Public Sector Banks as well 5. 89 Nature of Banking Industry Bank? s safeguard money and valuables and provide loans, credit, and payment services, such as checking accounts, money-orders, and cashier? s checks. Banks also offer investment and insurance products which they were once prohibited. There exists variety of models for cooperation and integration among finance industries some of these traditional distinctions between Banks, Insurance Companies, and Securities Firms has diminished. In spite of these changes, Banks continued to maintain and perform their primary role of accepting deposits and lending funds from these deposits. Banks securely save the money of depositors, provide checking services, and lend the funds raised from depositors to consumers. Bank? s today are in a wide range of sizes, from large Global Banks to Regional and Community Banks. These Global Banks are involved in international lending and foreign currency trading, in addition to the more typical Banking services. Working Environment Employee? in a typical branch work weekdays, whereas in few Banks sometimes Banks were opened until late evenings or were open on Saturday morning? s and in few even on Sundays. Supervisory and managerial employee? s, usually work substantially longer hours. Some B anks are expanding the working hours in their branches which are located at non- 90 traditional locations, such as shopping malls, which remain open on most evenings and weekends. Branch office jobs, particularly front-end positions, required continuous communication with customers. Some employees needed to work for longer hours in a confined space. Loan officers might need to travel to meet clients, or work evenings for their clients. Loan officers also check loan applications, and solicit new business for Banks. Financial Service Sales Representatives might also have to visit clients in the evenings and on weekends to go through the client? s financial needs. To improve customer service and provide greater access to Bank personnel? s, Banks have staffed Customer Service Representatives. The remaining Bank employees, working at the headquarters or other administrative offices usually worked in comfortable surroundings and worked for a standard workweek. In general, Banks are considered relatively safer place to work with respect to injuries and illness. Banks also encourage higher education and training for their employee? as Banks require creative and talented people to compete in the market place so as to reach to more number of customers. The basic premise here is to Study the relevant data and derive some information related to the Strategic Environment pertaining to Indian Banking Industry, which may be used in due course in a broader context if not in specific context. Environmental factors influencing Banking Industry are: 91 Economic Factors Indian economy has registered impressive growth of over 9 percent for successive three financial years and experienced restraint in 2008-09. This restraint was caused due to the downturn in the global economy. The year 2008-09 was the most deficient year after 1972. To fight against this slowdown Government of India and Reserve Bank of India took many fiscal as well as monetary actions. It was expected that Indian economy could again register a robust growth rate in the year 2009-10. As per the revised estimates released by the Central Statistical Organisation (CSO), Indian economy grew by 7. 6 percent in 2008-09 and 9. 3 percent growth in the 2007-08 6. Banks lending to industries, personal loans and service sectors witnessed a slow down while, Banks lending to agriculture and allied activities moved upward during 2008-09. The income as well as the expenditures of Scheduled Commercial Banks viewed a slow down leading to decrease in the net profit. The Return on Assets (ROA) as an indicator of efficiency with which Banks deployed their assets remained to 1 percent in 2009. The Return on Equity (ROE) as an indicator of efficiency with which the Banks used capital increased to 13. 2 percent in 2009 from 12. 5 percent in 2008, indicating increased efficiency with which Banks used capital 7. 92 Growth of income of Scheduled Commercial Banks during 2008-09 decelerated to 25. 7 percent from 34. 3 in 2007-08, but was higher than the growth rate of 24. 4 percent in 200607. Expenditure of Scheduled Commercial Banks was 24. 1 percent in 2006-07, which increased to 33. 9 percent in 2007-08 and again decelerated to 26 percent in 2008-09. The operating profit of Scheduled Commercial Banks increased sharply by 33. percent during 2008-09 from 26. 8 percent in 2007-08 and 21. 3 percent in 2006-07 (Table II. 1). The net profit of Scheduled Commercial Banks also showed a significant increase of 36. 9 percent during 2007-08 as compared to 26. 9 p ercent in 2006-07, but it decelerated to 23. 5 percent during 2008-09(Table II. 1) TABLE II. 1 VARIATION IN INCOME-EXPENDITURE OF SCHEDULED COMMERCIAL BANKS 2006-07 Income Expenses Operating Profit Net Profit 24. 4 24. 1 21. 3 26. 9 2007-08 34. 3 33. 9 26. 8 36. 9 2008-09 25. 7 26. 0 33. 2 23. 5 Source: Reports on Trend and Progress of Banking in India 8, 9 The Bank Group-wise analysis is presented in Table II. 2. Even though the achievements of technological changes in Banking Industry in India were impressive but there is a need to take greater advantages from new technologies and information based system to maximize the coverage. Pricewaterhouse Coopers report 18 suggested that Banks should take up automation that would be a combination of centralized networks, operations and a Core Banking applications that included Business Intelligence (BI), Business Process Re-engineering (BPR), and Customer Relationship Management (CRM) that catered to operational and analytical business needs. The multi-channel Banking has acquired further dimensions to include third party payments such as utility bills through different channels including Automated Teller Machines and mobile banking. Bank? internal groups examined the issues, relating to rural credit and micro-finance opportunities in the sector with several possible options like smart card-based kisan credit cards, smart card solutions for self-help groups, Automated Teller Machines with local language and voice facility and call-center amenities with added services given by various Banks. Introduction of Kisan Credit Cards (KCCs) for providing credit to farmers had increased in the number a multi-fold since its inception in the late 1990? s and the total percentage share of these cards reached above forty percent 19. 97 Banks had transformed themselves into Universal Banks by adding new channels with lucrative pricing. Recent innovations in the form of total quality management, reengineering work processes, flexible systems have only one thing in common serving the customers well through improved operational efficiency. Consolidation in the Banking Industry followed by technological up-gradation acted as a key factor to boost the international competitiveness of the Indian Bank? s. Adapting technology had brought down the cost of transactions visibly and at the same time aided in business continuity. A Study mentioned that the cost per transaction through a branch was Rs. 66, cost per transaction ; through Automated Teller Machines was Rs. 22, and cost per transaction through internet was Rs. 0, ignoring the extreme variations owing to the investment cost and nature of transactions 20. This low cost benefit was opted by Commercial Banks as it helped them to reach to poor people, particularly those working in the rural areas and those who earn and spend cash. In order to handle their cash transactio ns Banks formulated two types of Information and Communication Technologies (ICT). People could either use Automated Teller Machines that could accept, store or dispense cash or they could use a biometric device, which were mobile in nature. Infrastructure in India, has improved resulting into widespread use of Automated Teller Machines facility in villages as well. These machines consisted of additional features that included fingerprint use as a mean of authentication with a view that rural people were more comfortable with fingerprints than plastic cards. 98 The wide geographical coverage to access Banking related products and services with the help of mobile phone technology and the use of internet for banking transactions has gained superior usage. These modes of transactions required a safe and secure environment and provide a variety of options available for customers with different requirements. The numbers of mobile phone subscribers in India were about 261 million (March 2008). Towards this end, Reserve Bank of India issued guidelines for mobile banking transactions. Initially Banks offered the facility to their customers subject to a daily cap of Rs. 5,000 per customer for fund transfer and Rs. 10,000 per customer for transactions involving purchase of goods or services 21. Usage of internet banking in India is mainly dominated, by Private and Foreign Banks. Still, the number of individuals utilizing internet services has increased considerably. In 2006, about 12 percent of the 38. 5 million internet users in India used online banking and the figure for online banking increased to 16 million in 2007-08 22 . The average cost of servicing a customer through internet banking is the tenth of the services extended through a branch. Thus, there is a direct contribution to the profitability for a Bank and therefore, internet banking became a potential low cost alternative 23 . From customer? s viewpoint, internet banking is highly convenient as it help to avoid branch queues and makes customer free from depending on the inconsistent quality of services at the branch, which varied from person to person at the service desk. Internet Banking allowed customers to operate their accounts at their convenient hours instead of being dependent on the Banks working hours. Moreover, internet banking permitted customers to transact on a 247 basis from any part of the world. 99 Therefore, internet banking delivery channel has the potential to contribute directly towards the nation? prosperity as it allowed more people to join the Banking stream without adding cost and it is tremendously convenient to customers. Reserve Bank of India started measures to create multi-lingual links on its website for thirteen Indian languages on all matters concerning Banking in June 2007 24. In the recent years, the use of electronic payments has witnessed manifold increase reflecting increased adoption of technology. The electronic payment systems comprised of the large value payment systems like Real Time Gross Settlements (RTGS), National Electronic Funds Transfer (NEFT) and card based payment systems. The growth of volume of transactions directed through electronic payment has decelerated from 41. 4 percent in 2007-08 to 24. 8 percent in 2008-0925. The numbers and usage of Automated Teller Machines had gone up substantially during the last few years. Automated Teller Machines were primarily used for cash withdrawal and balance enquiry. In 2008-09, the total number of Automated Teller Machines installed by the Banks grew by 25. 4 percent. Automated Teller Machines of State Bank of India group registered a sharp growth of 34. 5 percent. While the Automated Teller Machines installed by new Private Sector Banks and Foreign Banks was 3 times of their respective branches 26, 27 . In March 2008, the population per automated teller machines in India was more than 29,500 as against the range of 1,000-9,500 in some of the other emerging market economies 28, 29 . In June 2009, Reserve Bank of India permitted Scheduled Commercial Banks to install off-site Automated Teller Machines at places identified by them, without any need to take permission from the Reserve Bank of India. Cash withdrawal from Automated Teller Machines of the Bank? s was made free of charges, April 2009 onwards. This made Automated Teller Machines more popular among customers. 100 Banks had deployed Information Technology solutions to facilitate automation in transaction management, reporting and risk management. Most of the Banks across the segments had already implemented Core Banking Systems. In the 2007, 85. 6 percent and in the 2008, 93. 7 percent Public Sector Banks were fully computerised 30, 31 . Other rograms such as internet based transactions, self-service kiosks, mobile banking were either underway or planned in near future by Public Sector Banks. Foreign Sector Banks and old and new Private Sector Banks in India, had progressed well in the areas of technology up-gradation i n operations. Technology up-gradation helped to introduce new products and services to enable Banks to improve the quality of service and value added services. Overall, Indian Banks score well with respect to technological adaption and the three key characteristic contributing towards the effective use of information technology in Banking Industry were: ? Factor Cost Advantage- information technology related labour costs in India remained cheaper as compared to other countries; ? Distribution Strategy- Indian Banks adopted a unique business model, acquiring customers rapidly with minimal technological investments; and ? Information Technology Governance- Indian Banks emphasized on information technology governance with the strong in-house Information Technology Division and a Chief Information Officer (CIO) directly reporting to the Chief Executive Officer (CEO) in most cases. 101 It is information that made the Banking Industry stable. The pressure of competition and the need to improve productivity has generated a need for better information. In order to manage Banking operations to meet the needs of managers operating at tactical and strategic level and to improve their quality of decisions and policymaking processes within the Banks. Banks needed to set up an efficient and comprehensive Management Information System (MIS) without which asset and liability management and risk management were not possible. However, adoption of technology by Banks provided them competitive advantage in their operations but at the same time Banks became dependent on outsourcing for most of their technological applications. Therefore, Banks needed to employ caution to put in place mechanisms for vendor management. As an insecure system, could expose Banks towards serious operational regulatory and reputational risks. Banks have taken measures to safeguard the risk factors, emerging due to the use of technology. Towards this end, the Institute for Development and Research in Banking Technology (IDRBT) helped Banks to bring in technology and enabled them to work in secured environment while operating Real Time Gross Settlements System, Centralised Fund Management System (CFMS), corporate e-mail, and internet banking. It also acted as a „certifying authority? for the Banking Sector in India by issuing Digital Certificates 32 . Still there exists need to ensure much more accountable systems with regard to online payments with uniform standards all over the world. 102 Social Factors Before nationalization of the Banks, their control was in the hands of the private parties and only big business houses and the effluent sections of the society gained benefits from the Banking in India. Thus, adoption of the social development model in the Banking Sector was necessary for speedy economic progress consistent with social justice in democratic political system. Bankers were directed to help economically weaker sections of the society and to provide needed finance to all the sectors of the economy with flexible and liberal attitude. India? s demography had undergone transition and the demographic trends 1950 – 2050 studied, illustrates that India? s fertility rate is consistently falling from the peak 5. 91 percent in the first decade after independence to 2. 76 percent today and expected to fall further to 1. 85 percent. Even the death rate also likewise showing consistent decline from its peak 25. 5 in 1950-55 to 8. 5 today and to the lowest of 7. 9 in 2020-2025 33 . This ignifies towards steady number of customers for Banking Sector with longer income in the coming years. Indeed, India would be one of the youngest nations with its median age lying between 25 a nd 30 years over the next 15 years (2010 to 2025) 34. This signified that India would enjoy its prevalence of young age population for almost four decades. Thus, India? s demographic transition needed to be exploited by Banking Sectors viewing it as an opportunity. 103 Increase in the per capita income of the working class population of India, enabled individuals to purchase goods, which were far out of their reach earlier. It also encouraged people to buy goods for their personal use and for their family. Today societies have shifted towards nuclear family, resulting into the growing needs for home consumer durables like washing machine, television, bike, car etc. This showed how we as a society have moved from a socialist society to a consumerist society. Understanding these changes and to use them as an opportunity Banks provided various types of loans to farmers, working women, professionals, education loan to the students, housing loans, and consumer loans. Even customers life style, their behaviour, and consumption patterns have changed which acted as an opportunity as well as a threat for Banking Industry. Deposits showed a subdued growth during this decade. In 2008- 09 personal loans by Commercial Banks was 12. percent with respect to 10. 8 in 2007-08 of which housing loan was 11. 6 percent in 2007-08 and 7. 4 percent in 2008-09 35 . This deceleration was observed in housing loans especially due to economy slow down. Literacy rate in India is low as compared to other developed countries. Illiterate people hesitate to transact with Banks. Therefore, this influenced negatively on Banking Industry. Nevertheless, there exists positive side of this as well that illiterate people trust more on Banks to deposit their money as they do not have market information they do not put money in stocks or mutual funds so they look Bank as their sole and safe alternative. For a common man Banks have emerged as the key players to provide variety of products and services like saving accounts, insurance, remittance and other facilities to the under privileged and the poor in rural, semi-urban and urban areas or socially disadvantage as well as the small and medium enterprise sector . 104 On the other hand Banks deal with big clients or big companies which required personalized banking as these customers do not believe in running and waiting in queues for getting their work done . To these customers bankers provided special provisions and at times benefits like individualised hosting to these types of customers. It was brought to the notice of the Reserve Bank of India that visually challenged persons were facing problem in availing Banking facilities. Reserve Bank of India in June 2008 advised all Banks to ensure that all facilities such as cheque book including third party cheques, Automated Teller Machine facilities (at least one third of new Automated Teller Machine installed with Braille key pads and located strategically), net banking, locker, and credit cards to be provided to visually challenged persons without any discrimination 36. Banks related crimes are rising. These crimes included the typical ones such as Bank robbery, false statement to a Bank in order to obtain loan, false entry in a Banks book, Bank bribery, and Bank fraud. The other new types of crimes have also emerged like accessing to the whole or any part of information technology system without rights. These also included manipulation of Banking system, data alteration, or data destruction to make unauthorized identity theft with reference to Automate Teller Machines. Indian police has initiated by opening of special cyber cells across the country and started educating the personal against these crimes. 105 Political Factors Before 1990, the lack of accountability and lack of profit motive in Nationalized Banks was credited to political interference. After the economic reforms of 1991, the Indian Banking Industry entered into the new horizon of competiveness, efficiency, and productivity. Reserve Bank of India? s control system and its monetary policies acted as a major weapon in India? financial market. However, sometimes looking into the political advantage of a particular party, Government declares some measures for their benefits like short-term agricultural loans to attract farmer? s votes affecting the profits of the Banks. Even according to Banking Banana Skins, survey 2010 political interference was considered as the greatest risk for Banking Industry 37. In the Budget provisions, Finance Minister increased the farm credit target for 2009-10 at Rs. 3, 25,000 crore compared to Rs. 2, 87,000 crore in 2008-09. The Union Budget 200910 extended the debt waiver scheme by six more months for farmers owing more than 2 hectare of land. The Union Budget 2008-09 allowed farmers 25 percent rebate on 75 percent of their overdue repayment within the stipulated period 38 . Government also announced setting up of a task force to examine the issues of debt taken by a large number of farmers in some regions of Maharashtra from private moneylenders who were not covered under the loan waiver scheme 39 . With Government bearing this burden, Banks would not be affected much. As Government assured to help, Banks to clear their most stubborn non-performing assets accounts on Banks Book. In addition, the emphasis on expanding network with Automated Teller Machines, opening of Banking centre in unbanked blocks were some of the positive moves taken by Government. 106 Political interference by the leftist political parties claimed that various regulations with respect to Foreign Banks would benefit only those Banks, which intend to make a quick jump by providing high-profile corporate services, instead of those who wish to intensify their rural operations. Left political parties also cautioned that foreign players could increase their holding size in a particular Bank that would lead to an imbalance of power. Banks under the conventional system of recovery of loans had a considerable amount of money blocked in form of unproductive assets. Hence, to beat this difficulty parliament enacted Recovery of Debts to Banks and Financial Institutions Act, 1993 also refereed as Debt Recovery Act. This Act created a separate apparatus in the order of Debt Recovery Tribunals, which were handed over the responsibility of administering disputes pertaining to non-payment of debts. As this legislation was general in nature, another legislature by Parliament was enacted , referred as Securitization Act with an objective to give the Banks, more power over defaulting borrowers 40,41. Unions The post nationalization era in the Banking Industry in India, particularly in the Public Sector, witnessed consolidation of trade unions. All the nine unions had all-India presence in the Banking Industry. Five workers unions and four officers unions represented almost 100 percent of the workforce in the industry and joined hands to form a United Forum of Bank Unions (UFBU). United Forum of Bank Unions comprised of All India Bank Employees Association, (AIBEA), All India Bank Officers Confederation (AIBOC), 107 National Confederation of Bank Employees (NCBE), All India Bank Officers Association (AIBOA), Bank Employees Federation of India (BEFI), Indian National Bank Employees Congress (INBEC), Indian National Bank Officers Congress (INBOC), National Organization of Bank Workers (NOBW) and National Organization of Bank Officers (NOBO) 42. Representatives of unions were encouraged to give suggestions. However, in many cases undue interference of unions in decision-making has adversely affected, leading to the deterioration in discipline, efficiency, and performance effectiveness. With the growing strength of these organizations, the issues relating to employees interests were no longer determined by Bank? s managements alone. The massive introduction of technology into the industry made union policies defensive. Unions focused almost entirely on the immediate consequences of technological change on the workforce, especially the aspect of possible job losses. Employees in Public Sector Banks were repulsive to move from one table to another of the same branch. Now the trade unions seem to be willing to allow mobility for employees within a district as mergers enforced them to move from one state to another. Other issues taken up by unions were like introduction of New Pension scheme and variable pay which were resolved with the help United Forum of Bank Unions. Banks unions are also involved in demanding salary hikes, job losses, disinvestments in Public Sector, and issues related to violation of labour laws, and allocation of funds for schemes for unorganised workers. 108 After attempting, the macro level environmental analysis of Indian Banking Industry a micro functional level Human Resource Environmental Analysis has been attempted with the help of SWOT analysis (Strengths, Weaknesses, Opportunities, and Threats), it would help to further develop strategic viewpoint about the industry (Table II. 4). TABLE II. 4 HR SWOT ANALYSIS WITH RESPECT TO INDIAN BANKING INDUSTRY STRENGTHS ? ? ? ? ? ? ? Educated Manpower Higher Compliance Amongst Employees Experienced Employees Training Infrastructure Availability Safe Working Environment Responsiveness to Needful Change Strong Regulatory Institutional Framework ? ? ? ? ? OPPORTUNITIES Liberalization of Banking Sector Preferred Industry for Employment Availability of Multi-specialist staff Technology for Improved Interpersonal and Communication Skills Workforce Diversity WEAKNESSES ? ? ? ? ? ? ? ? Limited Technology Skills Repetitive Tasks Structure Inadequate Remuneration for Attracting Talent Lacking Career Growth Path Rigid Recruitment Policies Hierarchal Structure Rigid Wage Negotiation Process Leadership Deficit at Senior Level ? ? ? ? ? ? ? THREATS Movement of Skilled and Quality Staff Difficulty in Hiring Highly Qualified Youngsters Trend Towards Downsizing Changing Workforce Demographics High Staff Cost Overheads Changing Employees Expectations Entrenched Trade Unionism 109 Key Concerns for Indian Banking Industry The macro level analysis of Banking Industry and micro level analysis with respect to Human Resource functions helped to identify the key concerns related to the Banking Industry. Competition in Banking Industry is very high as Banks are fighting for same share of customers. There are many Banks and non-financial institutions which gave rise to intensified competition. Amongst these, there existed relatively no differentiation in services and every Bank tried to copy each other? s services and technology which increased the level of competition. Competition from the non-Banking financial sector is increasing rapidly as there are substitutes like mutual funds, stocks (shares), government securities, debentures, gold, and real estate acting as a high threat of substitutes. The continuous deregulation has made the Banking Market extremely competitive with greater autonomy, operational flexibility, decontrolled interest rate, and liberalized norms for foreign exchange. The deregulation of the industry coupled with decontrol in interest rates had led to the entry of a number of players in the Banking Industry 43. Alliances and takeovers had occurred on a transatlantic basis. The market share for financial services that Banks hold had declined, while securities firms, mutual funds, and finance companies has grown 44 . Banking Sector needs to build up a strong and efficient financial system by emphasizing on risk based management. 110 In Banking Sector, customers have high bargaining power due to the presence of very large number of alternatives. Banks together with the specialized financial companies that provide finance to customers are available. Recently it was observed that depositors had withdrawn funds from Private and Foreign Banks and invested their money with Public Sector Banks as the cost of switching from one Bank to another was low and almost all Banks provided undifferentiated services. Today customer? s have more information and better understanding about the market, Banks have to be more competitive and customer friendly to serve them. To retain customer? s and market share, Banks started contemplating on building strong relationship with customers. United Bank of India created a revolution in Banking Industry by opening up a boutique branch in Pune in November 2007, as its priority was to provide services to the high net worth customers. Thus, United Bank also recognized the needs of high net worth individuals different from the other customers. United Bank organized corporate golf tournament for customers, music concerts, and screening of Mani Ratnam directed film „Guru? 45 . Bank? s top management has started carefully evaluating the impacts for their actions. Recently, before cutting jobs in Private and Foreign Banks, Human Resource managers tried to assess reactions beforehand and they came out with certain proactive steps. Banks persistently worked in the interest of the Society. This chapter focussed on the environment analysis which is, undoubtedly, required for strategy formulation, and at the same is relevant as a backdrop for strategy implementation. For instance, the needful Human Resource Practices have to be continuously evolved and implemented against the ever-changing macro and micro environment of the Banking Organizations. 111 REFERENCES 1. Wei, C. C. (2001) Environmental Scanning as Information Seeking and Organizational Learning, Information Research, 7(1). 2. About us retrieved on 26 December 2010. 3. Goyal, O. P. (1979) Financial Institutions and Economic Growth of India, New Delhi: Light and Life Publishers. 4. About Us retrieved on 26 December 2010. 5. retrieved on 28 December 2010. . Reserve Bank of India (2008) Report on Trend and Progress of Banking in India 2007-08, lt; www. rbi. orggt; retrieved on 25 December 2009. 7. Reserve Bank of India (2008) Report on Trend and Progress of Banking in India 2007-08, p. 115. 8. Reserve Bank of India (2008) ibid (7), p. 114. 9. Reserve Bank of India (2009) Report on Trend and Progress of Banking in India 2008-09, p. 125. 10. Reserve Bank of India (2008) ibid (7). 11. Reserve Bank of India (2009) ibid (9). 12. Reserve Bank of India, (2008) ibid. (7), p. 115. 13. Reserve Bank of India, (2009) ibid. (9), p. 125. 14. Chandrasekhar, C. P. (2005) What is Happening to Indian Banking? Frontline, 22(4): 12 – 25. 15. Reserve Bank of India (2008) ibid. (7), p. 116. 16. Reserve Bank of India (2009) ibid. (9), p. 127. 112 17. Reserve Bank of India (2009) ibid. (9), p. 142. 18. PricewaterhouseCoopers Report (2006) retrieved on 25 December 2009. 19. Raju, S. (2010) Financial Inclusion: Enabling Inclusive Growth. The India Economy Review, 7:42-49. 20. Sekar, G. V. Emerging Trends in Technology Adoption by Indian Banks and IT Governance – A Practical Guide, lt; http://www. cab. org. in/Lists/ Knowledge% 20Bank/ Attachments/43/Emerging%20Trends. pdfgt; retrieved on 3 June 2008. 21. Reserve Bank of India (2008) ibid. (7), p. 81. 22. Chandrashekaran, N. (2009) CII Banking Tech Summit, lt; http://www. financial express. com/news/indian-banks-behind-global-peers-in-technologypwc/438064gt; retrieved on 24 March 2009. 23. Jayawardhena, C. and Foley, P. (2000) Changes in Banking Sector The Case of Internet Banking in UK. Journal of Internet Research: Networking and Policy, 10(1):19-30. 24. Rao, R. (2000) Banking @ The Speed of Thought, Business India, October 30November 12: 71-108 25. Reserve Bank of India (2009), ibid. (17). 26. Reserve Bank of India (2009) ibid. (9), p. 141. 27. Reserve Bank of India (2009) ibid. (9), p. 261. 28. Reserve Bank of India (2008) ibid. (7), p. 130. 29.

Statistical Analysis Results of Crime: ANOVA Test

Statistical Analysis Results of Crime: ANOVA Test THE ANALYSIS OF VARIANCE (ANOVA), STUDENTS ‘T’ TESTS AND MATRIX ALGEBRA ATUBI, A. 0. Ph.D. Introduction The ANOVA sometimes referred to as the F test (named after the statistician Sir Roland Fisher, the author of this test) is a set of procedures for testing the significance of differences among more than two independent means. This procedure determines the extent to which there are significant differences between the means of three or more samples with a single level of significance. Because this procedure and others like it focus on variances, they are referred to as the analysis of variance or ANOVA One Way Analysis of Variance The step in ANOVA can be illustrated by an example Example 5.1.1 The number of crimes committed in 4 months in various parts of a town are list below: Month Artisan quarters Slums CDB GRA January February March April 20 16 32 16 52 44 56 36 36 40 36 40 16 20 32 20 At 0.05 level of confidence, are crime frequencies related to urban morphology or month of the year? First set up a null hypothesis of equality of the means Let Ho be: â€Å"There is no significant difference between the crimes frequencies and urban morphology or month of the year. Next, find the total of the four areas as listed below then their means Total =Artesan SlumsCBDGRA 8418815288 Mean Next, calculate the Grand mean Next, calculate the sum of squares for each population. Note that in ANOVA the number of samples do not have to be same Table 4.1.1: Means and sums of squares of crimes committed In ANOVA, we determine differences between means by calculating their variability. Three types of variability are estimated: The variation within each sample result The variation between the sample results The total variation of the samples, regardless of the sample grouping to which they belong (Anyadike, 2009) Next, calculate the sums of the sum of squares for each column (i.e Variable): SSW = ∑∑(Xij X)2 = 172+236+16+144 =568 Calculate sum of square between = ? N (X —X)2 =4(21-3 2)2+4(473 2)2+4 (3832)2 + 4(2232)2 = 484 +900+144+400 =1928 Calculate the within group sum of square. MSW = SSW n-rn Where n=no of observations M=no of groups Similarly, the mean s square between will be MSb =SSb M-l Therefore MSW =SSb=568=568 n-m 16-4 12 = 47.33 The ratio between the variance estimate is known as the Snedecor’s variance ratio test or Snedecor’s F Now set up an ANOVA table: Finally, test for significance: The degrees of freedom, V are: V- numerator = M-1=4-1=3 V- denominator = n-m= 16—4=12 From the Table of the F-Distribution, critical value of F at 0.05 3 and 12 =3.49 Calculated value is 13.18 Since the calculated F of 13.58 is greater (>) 3.49, Ho is rejected. Therefore, â€Å"There is a significant difference between crime frequencies with regards to urban morphology or month of the year. THE STUDENT ‘T TEST The most powerful test for the comparison of sample means is the student ‘t’ test. It is a parametric test and is used to determine whether or not the differences between two sample means are sufficiently great as to justify a conclusion that the means of their populations also differ significantly. It is also used for small samples The student ‘t’ is expressed as: T = x1-x ­1 vS12/N1 + S22/N2 Where X1 and X2 are the means of the two sets of data; S1 and S2 their standard deviations; and N1 and N2 the number of observations. The degree of freedom, V is expressed as follows: V = N+N,-2 Degree of Freedom There is often confusion among students about the concept of â€Å"degree of freedom†. Basically, if the sum of a set of elements and the sum of all but one is of its elements are both known, then the value of the last element must also be known, i.e. it is not, unlike the others, free to vary (Ayandike, 2009). For example, if the sum of 8 elements is 30 and the values of 7 of the elements variously add up to 28, then the value ofthe final (i.e. the 8†) element must be (30-28) = 2, i.e. if is not free to adopt any other value. The degree of freedom in this case is thus (8-1) = 7, i.e. in the set of 8 element, 7 of them are free to take on any values to sum up to 28, leaving value inviolate ELEMENTS OF MATRIX ALGEBRA Introduction The matrix is a rectangular array of number arranged in rows n and columns, m i.e Each of the numbers is called an elements. The position of each element is determined by its position in the row as well as in the The size of the matrix is given by the number of rows (n) and number of column (m) for example. A matrix which has the same number of rows and columns is called a square matrix. In the example above, a and c are square matrices. A matrix with a single row is called a row vector, while a matrix of a single column is called a column vector. Example of a row vector is {3 5 7 8} example of column vector is Matrix can be added, subtracted, multiplied and inverted but cannot be divided. However, they can only be divided by a scalar (i.e an ordinary number). Addition of Matrix Matrices to be added must be of the same size as one another. That is they must have the same number of columns and row s. This is because each element of one matrix must be added to the same element of the other matrix e.g. supposing we are adding two matrix [A]  ± [B] [A] + [BI =[C] i.e you add element by element N.B:The number of columns and rows must be the same before it can be added Matrix Subtraction The same rule as addition is applied e.g to subtract [BI from [A] [A] [B] Matrix Multiplication There are two aspect of matrix multiplication namely: a.Multiplication of matrix by a scaler b.Multiplication of matrix by two matrices By Scaler Supposing we are multiplying the matrix below by 4 Multiplication by Two Matrices When two matrices are to be multiplied, the number of columns in the first matrix must be equal the number of rows in the second matrix e.g. 23 matrix can be multiplied by 32 matrix. But a 23 matrix cannot be multiplied by another 23 matrix because the number of rows there is not equal to the number of columns in the second e.g. The result will have as many rows as the first and as may columns as the second. Multiplication of a matrix by vector, example An identity or unity matrix 1, is a matrix where the diagonal consist of l’s and the rest of the elements are zero e.g.: Matrix Inversion In matrix, algebra function of division is changed to that of inversion. The inverse of the matrix is it’s reciprocal i.e. Only square matrices have inverses. A matrix that cannot be inverted is called a singular matrix. Several methods exists for finding the inverse of a matrix. They includes 1.  The classical method This is to set the matrix beside an identity matrix, and to perform all operations simultaneously in both matrices, for example, if you are to invert this matrix [A], you first place it beside an identity matrix You have Step 1 Subtract row 2 from 3, multiply row 1 Row 2(3xrow 1) Step 3 2.  By Determinants This is the more modern one. A determinant is a single number extracted from a square matrix by series of operations. It is represented by either det A or /A/ The process of obtaining a determinant from a matrix is called evaluating the determinant. Using determinant, the inverse of matrix [A] becomes /A/ = ad—bc The adjoint of a matrix is the transposed matrix of co -factors with the signs taken into consideration. The signs are alternating +, -, across and down the element of the matrix e.g. in a 22 matrix So far a 22 matrix, the inverse is the adjoint of that matrix over the determinant of the matrix. The determinant of a 33 matrix The minus for each leading element becomes Uptill i. The Solution of Simultaneous Equation The major interest in matrices (and its greatest strength) is their use in the resolution of the unknowns in simultaneous equations (Anya dike, 2009) SIMULTANEOUS EQUATIONS WITH TWO UNKNOWNS 3x+4y 10 2x +‘7y = 11 Set in matrix form 1.Using the classical method, our equation in matrix form is [A] [x] [B] The matrix of the unknown [x]=[A]=[B] For a 2 x 2 matrix the adjoint of it is Since our matrix of unknown is Check with original equation 3x+4y =10 2x +7y1l Check 3(2)+4(1)= 10 =6+4+10 2(2) +7 (1) =1 4+7=11 1. By determinant method The matrix in our example is [A] [x] [B] This 13 is called the common denominator. Then we find the numerator of x, which is the determinant of the main matrix. :. X2/A1.B/-à ·/A!13113 =1 =y Therefore,Y = 1 X=2 REFERENCES Anyadike, R.N.C (2009) Statistical methods for social and Environmental Sciences. Spectrum Books Limited Ibadan. Anyadike, R.N.C (2009): Statistical methods for social and Environmental sciences. Spectrum Books limited Ibadan. Atubi, A.O. (2010d) Road Traffic Accident variations in Lagos State, Nigeria: A Synopsis of variance Spectra. African research Review, Vol 4(2) pp. 197-218. Ethiopia. Ewhmdjakpor C, Atubi, A.O. and Odemerho F. (2006): Statistics for social investigations. Delsu Investment Nigeria, Limited, Delta State University, Abraka. Ewhrudjakpor. C, Atubi, A.O, and Odermerho F (2006). Statistics for social Investigations. Delsu Investment Nigeria, Limited. Delta State University, Abraka. Spiegel, M.R (1972): Theory and problems of statistics. McGraw-Hill, New York.

Temperate Deciduous Forest :: essays research papers

Temperate Deciduous Forest Geographical location- The Temperate Deciduous Forest is 30 degrees north and 30 degrees south of the equator. This climate can be found in the north in North America, Europe and Asia. In the south, the climate can be found with South America, Australia, and Africa. Climate facts- the average temperature is 50 degrees (24 degrees celsius) and its high is 86 degrees, this factor depends on the altitude of the forest. The temperate deciduous forest receives an average yearly precipitation of 2 to 5 feet, and the humidity of the forest is 60% to 80%. Soil- The soil in this climate is very fertile due to falling leaves, twigs, logs, and dead organisms. Fall- the leaves begin to lose their green color as the chlorophyll inside the leaves goes away. The red and orange that is always associated with fall come into play now, since they are always in the leaf, the only reason the leaf is green is because chlorophyll are inside the cells, but during the cold weather the trees loses the chlorophyll. Layers of the Temperate Forest 1.  Ã‚  Ã‚  Ã‚  Ã‚  Tree stratum- tallest layer, 60- 100 feet high, with large maple woods, oaks, beech, chestnut, hickory, elm, basswood, linden, and walnut. 2.  Ã‚  Ã‚  Ã‚  Ã‚  Small tree or sapling layer- short and young trees. 3.  Ã‚  Ã‚  Ã‚  Ã‚  Shrub layer- huckleberries, azaleas, and mountain laurels. 4.  Ã‚  Ã‚  Ã‚  Ã‚  Herb layer- short plants 5.  Ã‚  Ã‚  Ã‚  Ã‚  Ground layer- lichens, club mosses, and true mosses. Three types of organisms Primary producers- such as trees, shrubs, grass, mushrooms, wild flowers, berries. Primary consumers-this group is comprised of mostly small animals and insects, such as mosquitoes, chipmunks, mice, squirrels, and seed eating birds. These organisms depend on the primary producers, for food and shelter.

Affirmative action Essays -- essays research papers

Affirmative action is a term used to describe rules and regulations that were established to protect minorities and women from being discriminated against (Simmons 1982). Affirmative action has changed the way people were treated since it was first brought into order in 1961 by president John F. Kennedy through executive order 10925(Alexander 1999). It helped established more opportunities for minorities and women in education, employment and housing (Dietz 2001). Nevertheless, affirmative action has caused much controversy in our society and whether it has benefited America (Altschiller 1991). As a result, there are those who believe minorities have benefited, yet the dominant group has suffered. Before the passing of executive order 10925, minorities and women were treated unfairly. Before president Kennedy brought the executive order into action, minorities suffered a great deal of discrimination. In the past, minorities were abolished from specific areas. For instance they were not allowed to use the same bathrooms as whites (Alexander 1999). The minorities were spatially segregated from the rest of society meaning outsides did not accept them; they weren’t allowed to obtain certain jobs, live in close proximity to the dominant group or receive the same educational opportunity (Parrillo 2003). After Kennedy, president Lyndon Johnson established several laws that helped establish better opportunities for minorities such as his â€Å" Equal Employment Opportunity Commission in 1965 and then the office of Federal Compliance in 1967†(Alexander 1999). In addition, he was simultaneously establishing the Fair Housing Act as well as the Economic Opportunity Act. The Civil Rights Movement was one of the major contributors to the establishment of the parity laws. The Civil Rights Act of 1964 made it possible that the federal level could enforce the law on those who violated it, which helped give minorities the protection they needed from the Dominant group. After the implementation of affirmative action and the laws that followed, â€Å"the proportion of blacks in white-collar jobs grew from 10% to 24% and the ratio of black median family income to white rose from 55% to 62%†(Alexander 1999). As one can clearly see, there were major improvements for minorities. They were given more opportunities to contribute to society without facing discrimination from businesses, educa... ... affirmative action. Furthermore, how much someone earns is usually based on their ethnic background and their gender. Affirmative action has caused controversy and will continue to cause it for years to come.   Ã‚  Ã‚  Ã‚  Ã‚   Works citied Alexander, A. & Jacobson K. (1999). Affirmative Action. International Journal of Urban and Regional Research: A Critical Reconnaissance, 23(3) 9p Altschiller d. (1991). The reference shelf: Affirmative Action. New York: The H. W. Wilson Company Dietz, T. (2001). Sociological Spectrum. The unrelenting significance of minority statuses: gender, ethnicity, and economic attainment since affirmative action. 21(1) 20p Friedl, J. (1999). Change. Documentation of how affirmative action benefits all students, 31(4) 6p Gross B. (1977). Reverse Discrimination. New York: Prometheus Books. Parrillo, V. (2003). Strangers to these shores.Boston: The Book Company Simmons, R. (1982). Affirmative Action: Conflict and Change in Higher Education after Bakke. Cambridge, Massachusetts. Thomas, W. Review of Black Political Economy. Mitigating Barriers to Black Employment through Affirmative Action Regulations: a case study. 27(3) 22p

Pacific Theatre in World War II

On 1 September 1939 the country of Germany led by Adolf Hitler invaded Poland using blitzkrieg tactics or in other words â€Å"lightning war†. As Germany is capturing Europe one country at a time Japan is doing the same except with Asia and Japan is also preparing for the attack of the United States naval base on the island of Oahu called Pearl Harbor. The attack on Pearl Harbor caused the United States to declare war on Japan, break isolationism and get deeply involved in World War II.On 7 December 1941 at 7:30 am army privates George Elliot and Joseph Lockard were operating in a radar station when they noticed a large amounts of aircraft incoming but they did not sound the alarm because there was supposed to be a group of B-17 bombers due to Pearl Harbor (Michael 10). At 8:00 am the words â€Å"Tora Tora Tora† sounded over Japanese radios meaning that the Japanese have achieved complete surprise on the Americans and that the attack was a go and the dive bombers starte d to drop their deadly payloads on the American airfields, aiming specifically for United States war planes (Michael 11).As the Japanese attacked the airfields they also simultaneously attacked the harbor with more dive bombers and torpedo planes equipped with torpedoes specially made for the shallow waters of the harbor (Michael 12). During all of the chaos a dive bomber dropped its deadly payload on to the USS Arizona, with a single bomb hit to the magazine, the whole bow of the ship was severed from the rest and 1,000 men died instantly (Michael 12). At 8:45 am even more Japanese torpedo planes and dive bombers attacked the harbor targeting repair yards and any other ships that the pilots saw.The attack was planned months before 7 December, the Japanese built a model of the actual harbor to help prepare for the attack and they practiced on it until each and every pilot knew exactly which target to hit and how to hit it and until they could achieve an 80% hit rate on the American ships (Michael 47). The task force the Japanese used consisted of 6 aircraft carriers each equipped with hundreds of planes and 20 other ships including battleships, heavy cruisers, destroyers and a few submarines (Michael 49).The attack killed 2,388 Americans and injured another 2,000, the attack destroyed 21 ships out of 92 total in the harbor, nearly 300 American aircraft were destroyed and only 29 Japanese aircraft were destroyed (Reid 219). The Americans were infuriated with the attack, they felt as if they were vulnerable and they wanted the United States government to declare war on Japan. On 8 December 1941 President Franklin D. Roosevelt makes a speech to congress asking them to declare a state of war on Japan. Later that day with a vote of 388 to 1 the United States is at war with Japan.The industry skyrocketed as the United States prepares for war; everything from food to weapons is rationed and made in a method called mass production. On 9 December 1941 Germany and Italy declare war on the United States. The United States is now deeply involved in World War II, but the United States has a difficult decision to make whether or not they should concentrate their forces over in Europe to fight the Italians and Germans or concentrate their forces in the Pacific and get revenge on the Japanese and avenge Pearl Harbor.On 8 April 1942 Lieutenant Colonel James H. Doolittle launched an air attack consisting of B-25 medium range bombers. The attack was designed to inflict damage on Tokyo and to destroy the Japanese morale and avenge Pearl Harbor. The plan was for 16 B-25s to be launched off the coast of Japan and their mission was to bomb the city of Tokyo and land on American air bases in China. Most of the 16 B-25s, each with a five-man crew, attacked the Tokyo area, with a few hitting Nagoya (â€Å"The Doolittle Raid†).However none of the planes made it to China and most of the crews were captured, but this attack was considered a success because it deeply embarrassed the Japanese High Command and it greatly boosted the morale of the Americans, this attack would lead to the desire of the Japanese to completely destroy the American aircraft carriers and would lead to the Japanese defeat in Midway a month later. The Battle of Midway was fought over and near the tiny United States’ mid-pacific base at the Midway island atoll.The objective of the Japanese was to draw out and destroy the Unites States aircraft carrier striking forces which had embarrassed the Japanese in the Doolittle Raid. The Japanese’s plan was to soften up the defenses on Midway, invade it, capture the island and hope that the United States would come out with their aircraft carriers in order to take back the island and the Japanese would the quickly destroy them and have a decisive victory.However, the United States had brilliant code breakers and knew exactly when, where and how the Japanese were going to strike so the Americans were waiting. On 7 June 1942, the Japanese with a force of 4 aircraft carriers, 2 battleships, 15 support ships and 248 carrier based aircraft started the attack. Starting with bombing the American base the Japanese weren’t able to soften up the American defenses well enough because the Americans had knew in advance that Japanese were coming so they built up their defenses and brought in additional reinforcements.As the Japanese were focusing their attacks on the island, the American aircraft carrier strike force consisting of 3 carriers, 7 heavy cruisers, 1 anti-aircraft cruiser, 15 destroyers, 233 carrier based aircraft and 16 submarines attacked the Japanese forces. After 4 days of bitter combat, the Americans had only lost 1 carrier, 1 destroyer, 150 aircraft, and 307 sailors and airmen, while on the Japanese side, they had lost 4 carriers, 1 cruiser, all of their aircraft, and 3,057 sailors and airmen (â€Å"Battle of Midway†).The Battle of Midway was a huge success in American c ode breaking and proving that the use of the aircraft carrier would definitely be a vital resource in the Pacific Theater (â€Å"Battle of Midway†). Three months later the Americans pressed forward setting their eyes on a near Australia called Guadalcanal. This battle would be the first allied offensive on the Empire of Japan. On 7 August 1942 American forces landed on the islands of Guadalcanal, Tulagi, and Florida in the southern Solomon Islands with the objective of denying their use by the Japanese to threaten the supply and communication routes between the US, Australia, and New Zealand.The Allies also intended to use Guadalcanal and Tulagi as bases to support a campaign to eventually capture or neutralize the major Japanese base at Rabal on New Britain (â€Å"Battle of Guadalcanal†). Powerful United States naval forces had supported the landings. Surprised by the Allied offensive, the Japanese made several attempts between August and November 1942 to retake Hende rson Field. Three major land battles, seven large navalbattles, and continual, almost daily aerial battles culminated in the decisive Naval Battle of Guadalcanal in early November 1942, in which the last Japanese attempt to bombard Henderson Field from the sea and land with enough troops to retake it was defeated. In December 1942, the Japanese abandoned further efforts to retake Guadalcanal and evacuated their remaining forces by 7 February 1943 in the face of an offensive by the US Army's XIV Corps, securing the island to the Allies.The Americans originally started with a strength of 60,000 men and lost 7,100 while the Japanese forces were almost completely wiped out, starting out with only 36,200 they had lost 32,000 (â€Å"Battle of Guadalcanal†). The Guadalcanal campaign was a significant strategic combined arms victory by Allied forces over the Japanese in the Pacific theatre The Battle of the Philippines was the American campaign that lasted from 1944-1945 and the obje ctive was to completely expel the Imperial Japanese Forces occupying this long chain of islands that was captured by the Japanese during the first half of 1942.The Battle of the Philippines started on 20 October 1944 with the amphibious landings on the eastern Philippine island of Leyte. The operation would last through the end of the war in august of 1945. During this campaign the Japanese showed how desperate they were in not giving up when they started utilizing kamikaze attacks where they would purposely fly planes equipped with explosives into the American forces. This campaign was very successful however, because the Americans had driven out the Japanese and liberated the Philippines.The Battle of Iwo Jima fought on 19 February through 26 March 1945 was a major battle in which the United States Armed Forces fought for and captured the island of Iwo Jima from the Japanese Empire. The American invasion had the goal of capturing the entire island, including its three airfields, t o provide a staging area for attacks on the Japanese main islands. This five-week battle comprised some of the fiercest and bloodiest fighting of the War in the Pacific of World War II.After the heavy losses incurred in the battle, the strategic value of the island became controversial. It was useless to the Army as a staging base and useless to the Navy as a fleet base; however it was of limited use by the United States Army Air Force only for emergency landing of planes coming back from missions over Japan. The Japanese positions on the island were heavily fortified, with a large network of bunkers, hidden artillery positions in the mountains, and nearly 11 miles of underground tunnels.This invasion was the first American attack on Japanese home territory, and the Japanese soldiers and marines defended their positions tenaciously with no thought of surrender. The Americans had a force of 70,000 marines and had high losses of 6,821 killed and 19,217 wounded. The Japanese, however h ad a smaller force of 22,060 soldiers and lost 18,844, but they had nearly 3,000 in hiding until long past the end of the war and because of their extensive network or tunnels and bunkers they were able to inflict heavy damage on the Americans (â€Å"Battle of Iwo Jima).Later in the summer of 1944 the United States had set their eyes on the largest island in the Marianas, Guam. There was a major strategic advantage of Guam because of its very large size and its location to the Japanese mainland mad it ideal for the American forces to establish airfields for B-29 Superfortress long range bombers. Guam, ringed by reefs, cliffs, and heavy surf, presents a formidable challenge for an attacker. But despite the obstacles, on July 21, the Americans landed on both sides of the Orote peninsula on the western side of Guam, planning to cut off the airfield.By nightfall the Americans had established beachheads about 2,000 meters deep, Japanese counter-attacks were made throughout the first few days of the battle, mostly at night, using infiltration tactics. Several times they penetrated the American defenses and were driven back with heavy loss of men and equipment. Rain and thick jungle made conditions difficult for the Americans, but after an engagement at Mount Barrigada from August 2 to August 4, the Japanese line collapsed; the rest of the battle was a pursuit to the north.As in other battles of the Pacific War, the Japanese refused to surrender, and almost all were killed. On August 10, after 3 long weeks of bloody and ferocious fighting, organized Japanese resistance ended, and Guam was declared secure. The Battle of Okinawa was the largest amphibious assault in the Pacific Theatre. The 82-day-long battle lasted from early April until mid-June 1945. After a long campaign of island hopping, the Allies were approaching Japan,  and planned to use Okinawa, a large island only 340 mi away from mainland Japan, as a base for air operations on the planned invasion of Ja panese mainland.Okinawa provided a fleet anchorage, troop staging areas, and airfields in close proximity to Japan. The U. S. cleared the surrounding waters of mines in Operation Zebra, occupied Okinawa, and set up the United States Civil Administration of the Ryukyu Islands, a form of military government, after the battle. The Americans started out with 183,000 men and by the end of the battle 12,000 were killed and 38,000 were wounded.The Japanese started out with 160,000 men and more than 110,000 were killed and 7,000 were captured (â€Å"The Battle of Okinawa†). While the Pacific war rages, the United States had conducted many air raids on Japan during World War II, causing extensive destruction to the country's cities and killing anywhere from 241,000 to 900,000 people. From June 1944 until January 1945, B-29s stationed in India staged through bases in China to make a series of raids on Japan, but this effort proved unsuccessful.The strategic bombing campaign was greatly expanded from November 1944 when bases in the Mariana Islands became available as a result of the Mariana Islands Campaign. The air raids concentrated mainly on industrial facilities but the fire bombings were concentrated on the civilian population since most of the homes were made from paper and wood (â€Å"Skies on fire†). With the attack on Pearl Harbor in 1941 the United States was ultimately forces to break isolationism and get very involve in World War II.From the Doolittle raid in 1942 to the massive bombing campaigns in 1945, from the battle of Midway to the invasion of Okinawa, the United States was very involved in the Pacific theatre and the loss of life was very high. Along with the Pacific Theatre the United States also had a very high death toll in the European Theatre but not as high of one as in the Pacific. Had the Japanese not have attacked Pearl Harbor, the turn out of the war could have been so much different and the United States probably would not have gotten involved until late in the war like they did in World War I