Microlending free essay sample

Micro Lending For many years microloans have helped people out of poverty throughout the world. Unlike handouts, microloans must be paid back. These loans are very often paid back. There are pros and cons to the economy by having to pay the money back. Also, there are impacts on the environment. Microloans are very small loans given to borrowers. Typically, these loans are given to the poor with the intention for them to find work and support themselves. Not only were microloans designed to reduce poverty, additionally it has given power to women.Microloans were developed to be set apart from original loans. Microcredit offers small loans with high interest rates that are needed to return the money. Communities are benefitted as well from micro lending. Instead off collecting taxes from everyone and giving a handout to the poor, these loans are required to be paid back and the tax money can be spared for other important issues. We will write a custom essay sample on Microlending or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Benefits from microloans help the poor, women, starting business, and education and health. Without the access to the financial services such as loans, savings accounts, fun transfers, and insurance, the obstacles to overcoming poverty can be nearly impossible.Most countries offer a microloan of 100$. This is all it takes to start a business and support a family. The key reason of how microloans are successful, is the requirement to repay the loan, and the size of the loan. The repayment rate of these microloans is above 97%. Handouts are often taken advantage of; spent on wants, instead of necessities. With knowing that the loan must be paid back, people spend the money on important things that will help them later on. If microloans are specifically given to the poor and meet cultural, economic, and legal environments, the poor can repay the loans.Some banks are specifically giving these types of loans to women. The benefit of targeting women for these loans promotes equal rights. Most of these women run the house, and need money to raise children, especially when in poverty. Negative effects from microloans are significant. Some say microcredit has put the poor into a mountain of debt. For example, if the person in debt uses the microloan to spend on education, but runs out of money and doesn’t have a job. That person is essentially out of luck with a lot of debt. Others argue that the men take microloans from the women, and the women are left with a pile of debt.Microloans may not be the solution to every situation that creates poverty, and cannot be the solution when land is being taken from the poor, and leaving them in poverty. Microcredit can also create problems by forcing people to work to get the money back. Farmer suicides in India have increased because of trying to get enough money to pay back microcredit. By borrowing this money over and over, people may grow dependent on borrowing money and may lead to a debt trap. Access and biodiversity are rights to the person. Rights cannot be replaced by credit.Having the right to water is different than using microcredit to buy water. After all of these rights have been taken care of, then credit can come after those rights are given to the people. There are systems beyond capital; those are maintaining the ecological parts of the planet. Countering the logic of capitalism will counter the atmosphere that is being degraded and climate change. Microloans can do a variety of good and bad things. The benefits include reducing poverty, improving communities/countries, starting a business, and empowering women.Negative effects include leaving people with a debt trap, husbands taking the credit from women, forcing people to work until they die (suicides), mistaking credit for rights, and dependence on borrowing. Finally, negative economic effects of micro lending are making people focus on they’re own debt, instead of degrading the planets environment. References: * Adams, Dale, Doug Graham and J. D. Von Pischke (eds. ). Undermining Rural Development with Cheap Credit. Westview Press, Boulder, Colorado, 1984. * Drake, Deborah, and Elizabeth Rhyne (eds. ). The Commercialization of Microfinance: Balancing Business and Development.

Adaptation Responses of Selected Pregnant Women

Adaptation Responses of Selected Pregnant Women Free Online Research Papers SUMMARY: This study sought to determine the level of adaptation responses of the selected pregnant women in terms of physiologic mode, self-concept mode, role function mode and interdependence mode and the association of such variables as age, civil status, socio-economic status, parity, period of pregnancy and educational attainment. Specifically, the study answered the following questions: 1. What is the profile of the respondents as to age, civil status, socio economic status, parity, educational attainment, and period of pregnancy? 2. What is the level of adaptation responses of the respondents in terms of physiologic mode, self-concept mode, role function mode, and interdependence mode? 3. What is their level of adaptation responses when they are taken according to age, civil status, socio – economic status, parity educational attainment, and period of pregnancy? 4. Is there a significant difference on the adaptation responses of the respondents as to age, civil status, socio – economic status, parity, educational attainment, and period of pregnancy? The population of the study was composed of 100 Selected Pregnant women in Gen. Emilio Aguinaldo Memorial Hospital Trece Martires City Cavite, Whose age’s ranges from 16-35 years. The descriptive method was used in the study. A validated survey questionnaire was developed to gather data needed to answer each of the specific problems. All the data in the questionnaire were pre-coded for computer computations. Frequencies, Relative Frequency, Mean and F-test or one-way ANOVA were used to analyze the data. FINDINGS: 1. Approximately 33% of the respondents belong to the 21 -25 years old; 74% of the respondents were married; 73% of the total respondents earn or have a family monthly income of P5, 000 and below; 34% of the respondents are considered primipara or first time mothers; 58% of the total respondents are in their 3rd Trimester or they are pregnant for 8-9 months; lastly most of the respondents that are 56% had an educational attainment of high school years or secondary education. 2. Respondents’ level of adaptation responses in terms of physiologic mode is on the average with a computed mean of 4.01; self-concept mode with the mean of 3.29; role function mode with the mean of 3.75; and the interdependence mode with the mean of 3.97 are all considered more adaptive as suggested by the mean computation. 3. In terms of civil status and socio- economic status were found significantly different in their levels of their adaptation. On the other hand, respondents group into age, parity and period of pregnancy were found not significantly different. CONCLUSION: From the foregoing findings, the following conclusions were drawn: 1. Most of the respondents are in the age bracket of 21-25 years old, married, earning P5, 000 and below, has an educational attainment of high school or secondary level, and in terms of their parity most of the respondents are primipara or they are having their first baby, lastly they are in their 3rd trimester of their pregnancy. 2. Respondents’ level of physiologic response s in terms of physiologic mode, self-concept mode, role function mode and interdependence mode on the average are all considered more adaptive. 3. Respondents’ level of adaptation responses when grouped according to all age group were more adaptive; period of pregnancy in both trimesters found out to be more adaptive; parity considered to be more adaptive in both multipara and primipara; and in terms of socio-economic status. While, when they are grouped according to civil status they are considered adaptive. 4. Respondents’ level of adaptation when grouped in terms of civil status and socio- economic status were found significantly different in their levels of their adaptation. On the other hand, respondents grouped into age, parity and period of pregnancy were found not significantly different. RECOMMENDATIONS: From the foregoing conclusions, the following recommendations were drawn: 1. In view of the limitations, of the study where the respondents are selected pregnant women in the hospital, who may have a little background or knowledge about different adaptive behaviors, further study is suggested by conducting similar study outside other hospitals. 2. Since respondents are selected pregnant women from different localities consulting a tertiary government hospital, the administrators must pay strictly to their patients’ health needs by providing structured program and strict implementation and careful monitoring of such program. Program organizers should avoid moralizing and particularly in terms of the socio-economic status, parity, and mostly in terms of civil status. 3. Other Researchers can replicate this study to refine, quantify, and verify findings. They may replicate this study in a much bigger population and with respondents who are more heterogeneous in terms of period of pregnancy and the level of their adaptations responses. They can also replicate it having a comparison of adaptation level of responses of the patients of different hospitals. Research Papers on Adaptation Responses of Selected Pregnant WomenInfluences of Socio-Economic Status of Married MalesResearch Process Part OneThe Relationship Between Delinquency and Drug UsePersonal Experience with Teen PregnancyArguments for Physician-Assisted Suicide (PAS)Moral and Ethical Issues in Hiring New EmployeesStandardized TestingPETSTEL analysis of India19 Century Society: A Deeply Divided EraBionic Assembly System: A New Concept of Self

Inequalities And Its Eeffects Essay Example | Topics and Well Written Essays - 2250 words

Inequalities And Its Eeffects - Essay Example a from the World Bank, the World Health Organization, the United Nations and the Organisation for Economic Cooperation and Development (OECD), and others. â€Å"To avoid being accused of picking and choosing our measures, our approach in this book has been to take measures provided by official agencies rather than calculating our own† (Wilkinson and Pickett 2009, pg. 18). However, this approach of the authors to prove their hypothesis was not accepted by all the experts. They found loopholes in this methodology, particularly the statistical analysis part, and thereby found loopholes in their arguments as well. The point put forward was, by just drawing lines or even a â€Å"line of best fit† based on a various variables and series of data points does not hold any statistical significance, unless the statistical analyses was done. They are convinced that these statistical tables do not provide the correct picture, as adequate analyses were not done. This was pointed out by Moore (2010) â€Å"Drawing a line through a series of data points signals nothing concrete†¦ The authors promise that they "have only included a best-fit line through the points"†¦But since they do not provide any statistical analyses, this can't be verified.† Kay (2009) further adds up against the methodology and thereby the argument of the authors by pointing out how regression methods may not correctly aid in analyzing the economic and importantly social statistics. As social statistics could be influenced by various variables, and is an evolving process, it cannot be easily focused. In addition, adequate data were not given in relation to the estimated equations. Thus, if one â€Å"removes the bold lines from the diagram, the pattern of points mostly looks random, and the data dominated by a few... This esssay stresses that the inequality can be measured as the one that happens between the rich and the poor in a particular country, and not inequalities between the rich countries and the poor countries. The key point or differentiation, the authors make, is that wellbeing of a country’s people, cannot be actualized or should not be judged based only on the wealth or economic status of that particular country. Instead, the focus should be far more deeper, with the economic inequalities between the rich and the poorer sections of the population mainly deciding the welfare of the people. Spatial based concentration of anything including population, industries and also income could also lead to inequalities. Authors Wilkinson and Pickett points out how more equal distribution of resources and thereby the income status â€Å"will mean fewer people will be living in shanty towns, with dirt water and food insecurity†. This paper makes a conclusion that these inequalities is prevalent for the past few centuries only because of the advancements particularly in economic, social and technology sphere, which took place mainly in the last few centuries. In the earlier centuries, human beings lived in a mostly egalitarian prehistoric hunting and gathering societies with very minimal inequalities. However, as the world advanced certain sections of the population utilizing the various advancements, progressed optimally, while leaving behind others. This inequality is now visible in various facets of human life and is leading to various repercussions for the people

Casino gambling in Kentucky Term Paper Example | Topics and Well Written Essays - 2000 words

Casino gambling in Kentucky - Term Paper Example In this context, the legislation matter has been the campaign proposal of Governor Steve Basher in his bid for election. Associated Press (2007) stated that the proposal of the Governor to legalize casinos in Kentucky is based on the assumption that it will bring growth to the economy in terms of revenues and taxes. The proposal has been submitted for a legislative process of approval and will also be presented to the Kentucky General Assembly for consent. The proposed bill if passed, allows 9 to 12 casinos in Kentucky, and is expected to bring estimated revenue of $600 million a year in tax revenue. In this critical issue, the Kentucky General Assembly composed of the people of Kentucky have been given the chance to have their voices heard in a direct poll whether they agree with this move or not. The recent events shown in the news carried by WBKO (2010) reported that the legalization of casinos in Kentucky did not pass the legislative session. There are possible reasons for the rejection of the proposal as there are studies that show disadvantages for having Casinos in Kentucky. The probe studies of Anderson and Nevada Council on Problem Gambling show that the proliferation of problem gamblers has negative impact on their lives. Andersen viewed it as a bad social policy because of the large social costs it entails; it makes it harder for problem gamblers to reform, and makes it contributory to social corruption. But Andersen and those concerned in his study are missing the points of the benefits of gambling, and making it appear that it is one of the deadliest sins in the world. For example, Andersen said that the government is â€Å"supposed to be the minister of God, Romans 13†, but its moral stance is compromised when it enters into legalized gambling. However, it could not be discounted that there are also benefits coming from the

Internet Mental Health Issues Essay Example for Free

Internet Mental Health Issues Essay Mental health services conducted on the Internet have been described as e-therapy, online counseling, e -mail therapy, Internet-based therapy, and similar terminology. Online therapy services may be provided as an adjunct to more traditional forms of mental health treatment, or may be initiated without any offline contact between the therapist and client. Currently, there are a variety of websites providing links and information regarding online therapy. As I was reading about benefits and risks in using internet as a source for mental health services, I realized that there are a lot of factors that make it a controversial issue. There are many pro and con to its benefits. Some Pros are the convenience of a client, Flexibility in scheduling, Anonymous and private, Access to those with physical disabilities; emotionally safe environment on of my biggest issues is making use of the time-delay (email) to work on issues. Appeal to those who are shy, uncomfortable with face-to-face treatment and make them feel more those who are shy more comfortable. Some disadvantages are Privacy, security and privilege cannot be guaranteed, Lack of patient skills to use the Absence of face-to-face therapy relationship, Lack of behavioral cues may lead to problems in treatment and most importantly is Urgent, crises, or suicidal issues may not receive immediate and appropriate attention. I work in a Community clinic where we offer many treatments one of them is therapy also. As I came across this assignment I ask one of our doctors what they believed. One of the doctors sends in miner cases it could be useful as long as is a well program with credentials and the issues are not really serious. At this time we are transitioning from paper charts to computers so most of the time there sitting in front of the computer typing away while the patient is speaking. It made me realized that in a way internet and mental services are becoming more and more essential for each  other. When I was reading the website for American Psychological Association it provided me the ethics they have to fallow when they provide service public advice or comment via print, Internet or other electronic transmission, they take precautions to ensure that statements (1) are based on their professional knowledge, training or experience in accord with appropriate psychological literature and practice; (2) are otherwise consistent with this Ethics Code; and (3) do not indicate that a professional relationship has been established with the recipient. I believe in conclusion we could benefit from these services as long as we are really aware that they are legit and trustworthy. In my case I believe sometimes I could benefit from therapy but simply have no time. One of the reasons I choose online schooling. Definitely I would use these services and give it a try. There are programs offer here in California that can help you as a guide to search for help. The Board of Behavioral Sciences (BBS) would like to make the following recommendations to California consumers who choose to seek therapy or counseling over the Internet. Individuals, who provide psychotherapy or counseling, either in person, by telephone, or over the Internet, are required by law to be licensed. Licensing requirements vary by state. Individuals who provide psychotherapy or counseling to persons in California are required to be licensed in California. Such licensure permits the consumer to pursue recourse against the licensee should the consumer believe that the licensee engaged in unprofessional conduct. References 1. National Association of Social Workers â€Å"Code of Ethics â€Å"Retrieved From: https://www.socialworkers.org/pubs/code/default.asp 2. American Psychological Association â€Å"Ethical Principles of Psychologists and Code of Conduct â€Å"Retrieved From: http://www.apa.org/ethics/code/index.aspx# 3. The Branch Journal of Psychiatry Dr. John Powell â€Å"Internet information-seeking in mental health† Sept 2006 retrieved from: http://bjp.rcpsych.org/content/189/3/273.short 4. Department of Consumer Affairs Board of Behavioral Sciences â€Å"Consumer Information Regarding Online Psychotherapy† Retrieved From: http://www.bbs.ca.gov/consumer/consumer_psych_online.shtml

Elwira Bauers Nazi Propagandist Childrens Book Trust No Fox on Green

Elwira Bauer's Nazi Propagandist Children's Book Trust No Fox on Green Meadow and no Jew upon his Oath In response to the factional society of the Weimar Republic, Nazism endeavored to create a new, more-unified society; an ideal national community, populated by an ethnically and culturally homogenous citizenry dogmatically obedient to the theories, laws, and policies of the central governing apparatus (the Nazi Hierarchy and ultimately Hitler). To attain its aims, Nazism employed a variety of tactics: laws were enacted to ethnically purify the population (e.g., the 1935 Nuremberg Laws), sentiments were propagated with the intention of uniting the population behind its leadership (i.e., the Fà ¼hrer Principle), and policies were instituted to ensure total cultural, political, and economic unity (e.g., the 1933 implementation of â€Å"Gleichschaltung†). In addition, Nazism utilized enormous amounts of written and oral propaganda to reinforce its principles and accompany its measures, rendering them more palatable to the public and consequently increasing their success,  "Local cooperation and leadership were essential to the success of Coordination. So was a bombardment of propaganda from party newspapers and publicists†¦[e.g., Dr. Goebbels, der Angriff, etc.]† (Bergen 65). The excerpt entitled â€Å"The Fà ¼hrer’s Youth† from Elwira Bauer’s 1936 Nazi propagandist children’s book Trust no Fox on Green Meadow and no Jew upon his Oath, exemplified the new ideal society envisioned by Nazism and reinforced Nazi theories and processes. The title of the book itself, â€Å"Trust †¦ no Jew upon his Oath,† reinforced Nazism’s principle that â€Å"non-Aryans† were inferior to â€Å"Aryans† and, consequently, supported Nazism’s position that an ethnically homogen... ...bably appeared in children’s stories written prior to the twentieth century and still in circulation today is not surprising in light of the fact that Hitler’s, and consequently Nazism’s, beliefs were unoriginal, â€Å"Adolf Hitler was not a brilliant, original thinker. There was nothing new about his views nor even in the way he combined them†¦.What was different was the intensity with which he held his views†¦his ability to captivate large audiences [and] the tremendous power he achieved after he became chancellor of Germany†¦Ã¢â‚¬  (Bergen 40). Works Cited Bauer, Elwira. â€Å"The Fà ¼hrer’s Youth.† Nuremberg: Stà ¼rmer Verlag, 1936. Bergen, Doris. War & Genocide: A Concise History of the Holocaust. New York, NY: Rowman & Littlefield Publishers, Inc. 2003. Gay, Peter. Weimar Culture: The Outsider as Insider. New York, NY: W. W. Norton & Company, 2001.

Have Terrorism Laws been Helpful?

There have been numerous debates that have risen from analysis related to terrorism laws that were passed in the United States of America and Europe since the horrific attack on 11th September 2001 that killed scores of people and wounded thrice the number of the dead. The terrorism, counter terrorism and anti terrorism laws have all been scrutinized to weigh their suitability. Sharp criticism has befallen the laws, the public too is eager to know if the laws are more beneficial than they detrimental or if the reverse is actual status quo. Such debates have always led to repeals or amendments of the laws in question, one revision of the laws has proved not to be enough as there is always a word or two to adjust to deem the laws plausible by the masses, the government and the observers. I will be dissecting the whole with precision to draw a line between the merits and demerits of the laws.Proposing argumentThe main goal behind every terrorism law across the world is to prevent terrorism acts and protect its citizens from the adverse effects of it. Zooming on the American and countries under the European dynasty we notice that there has an immense reduction in attacks from both internal and external sources. Domestic and mass terrorism has been cut by more than 35% if the statistics are compared with ones taken two decades before 2001(gray-2018). This has created a business environment conducive for investors to come into the country because they have a natural feeling that they will be safe and their business will bloom. Trust on the USA government has increased as we see many foreign leaders come to the country whenever they are under threat from external sources (Beckman-2016). The security agencies have been unified by the laws and they all share information about security conditions of specific areas and individuals. Proposing defense The fluidity is one that One police department can notice a terrorist threat, pass the information for investigation to done by another unit, give the findings to the threat alert department while another can be sent to apprehend the suspect depending on their locality and expertise they have. This smooth flow of command and swift take of action has instilled a sense of security and patriotism of citizens to the governments of the. Civilians can spot a suspect and notify the relevant authorities without fear of being tracked by the suspect in the equation. Let us take a brief walk down the history lane to and peruse through the terrorist reports to get a vantage point on this issue. Statistics reveal that there had been 2608 terrorist attacks between 1970 and 2001; the year that terrorism laws were fortified, that was an aggregate of 65 attacks per year. Most of them were executed using bombs and congested public areas were the main targets. After the laws were passed, we have seen the number drop by a whopping 94% annually. This is because there have only been 8 terrorist attacks on American soil since 2001 to 2017. In these unfortunate incidences on 102 people died capped with 333 injuries. 6 out of the 8 cases have been launched by lone slayers, one executed by an American couple; the 7 acts were carried out using guns and only the Boston marathon case was a bombing attack made. This number is way low than and somewhat insignificant when compared to the fatalities of 11th September 2001. This is a case that strongly backs the argument that laws have been very beneficial as they have served their objectives and succeeded in meeting their goals. Opposing argumentI am meant to believe that the terrorism laws that were drafted and passed are not meant for the better good of civilians. There are arguments around that point is that the laws were drafted out fear and vengeance and thus failed to solicit essential views from security stakeholders and the general public. That is a claim enough to show that they are meant to serve other interests. Critics on this front argue that a lot of money is being siphoned out of the national coffers to service the numerous security departments that were formed under the laws. The money cannot be clearly be accounted and a dubious justification is given to it; it is a matter of national security (Beckman-2016). The main enemies of these laws are not terrorists but human right activists; they claim that the laws are not compatible with universal human rights and should be rephrased or better still repealed.Opposing defenseWe begin introduce this front by giving the basic definition for the word terrorism; violence against civilians to achieve military or political objectives. The media has been the casualty of the draconian laws as there right to information and freedom of expression has been gagged. The governments always hoodwink the public that all that is done for their own good; it is a matter of national se curity. Then a question arises, how news reporting become a threat to the civilians? Such questions arose when Mr. Miranda was detained in Heathrow airport for 9 hours and forced to surrender his documents and media devices to the security agencies for scrutiny in august 2013. He was on his way to Brazil from Germany. No weapon was found on him and no criminal bodies had tied links with him at any point of his life yet he was arraigned for in the British courts to answer to terrorism charges. The judges found that the evidence against him was far more blasphemous to the law practice than it was a joke to media profession. Mr. Miranda won the case and showed that the laws can be more devastating to the media practice and the civilians as they only serve the political interests (chi-2015). No appeal was made to the decision made by the court proving the main point; the laws need to reviewed from the beginning and if after the review the laws still fall below the universal human rights code then they should be abolished. Argument analysisFrom this argument we see that both fronts had their points to stress on. The claims given by the opposition are more than the proposing gave but the evidence provided by the proposing side is way more overwhelming than the evidence produced by the opponents. The narrative leaned towards the proposing side as it gave claims baked by detailed evidence. Objectivity was to be the main key; the proposers said that the laws truly served their purposed as they reduced terrorism attacks significantly while their critics did not give any link to the main topic of the team. My analysis on this case also leaned on the proposing side as the issue of security should always precede any other issue; it is the foundation that harmonizes the cultural, social and economic factors of the society. The right to privacy and freedom of privacy would not find space in the human conscious if he was constantly exposed to continuous threat and imminent demise. The opposing gave a radical approach and failed to first acknowledge that their fields exist simply because their security is guaranteed. I feel like that the claims about governments wasting civilian resources would have helped the opposing side prove their point but they failed to provide relevant evidence to that matter. All that the opposition posed were questions that they themselves failed to provide answers to; what is the main objective of the laws if the public feels disfavored by them? Who are the laws meant to serve? We are aware that security agencies have been set up to tap information from the civilian devices; what happened to the right to privacy? (Giroux-2016) Their side would be formidable if they answers and backing evidence to all of them. Journalists claim that they are affected yet they hold side on the topic. Then I formed a question, what if they report news that exposes a government hence drawing the attention of terrorists? Furthermore, they proposed that the laws be abolished but did not give a better alternative. I wish that the opposition had thought the whole issue out than leave the case in a limbo.ConclusionTruth of the matter is that the proposing side was strong and well planned compared to their critics but the points stated by the weak side on this debate hold water. The laws should be more inclusive to other sectors of human cycle and not look like it overrules all the other rules and universal privileges that come with them. State agencies always motivate people verbally by asking them to report any suspicious people or activities to them but it is high time they started acting receptive (boister-2018). That said does not admonish the fact the fact the laws are made for the better good of people and stability of all other spheres. It is important that all parties realize that the laws are as important as any other on the land and should approached with care as it defends the well being of human life. I propose that the laws be amended, not repealed.ReferencesInternational law and the use of forceC Gray-2018Comparative legal approaches to homeland security and anti-terrorismJ Beckman-2016Impossible to regulate: social media, terrorists, and the role for the UNP Wu Chi-2015Beyond the spectacle of terrorism: global uncertainty and the challenge to the new mediaHA Giroux- 2016An introduction to transnational criminal lawN Boister- 2018