The Tide Experience Essay Example

The Tide Experience Essay Example The Tide Experience Essay The Tide Experience Essay Notwithstanding, Tide began to managing one issue in 2006, over a few Balkan Mounties (essentially Romania and Serbia), when the organization started to radically lose piece of the pie to serious contributions. This implies Tide was managing a critical decrease of volume shipments and an offer loss of 2,5% between the monetary long periods of 2004/05 and 2005/06. This loss of piece of the pie was doled out to the forceful increment of the economy cleanser portion. This infer Tide was confronting solid rivalry and losing offer to low valued brands in the economy cleanser portion. At this time, Tide was keen on fulfilling two vital and slightly open objectives: Reversing Tides loss of piece of the pie and declining volumes deals, along these lines fortifying Tides solid market position in Serbia and Romania. Expanding independent brand mindfulness and hence expanding Tides brand acknowledgment inside Serbia and Romania. Accordingly, Tide was managing a test, persuading shoppers to spend more and charge Tide rather than the other lower-estimated cleansers. To take care of the issue, Tide chose to utilize a compelling passionate intrigue to win back the shoppers heart, trying to construct brand proclivity, Justify the significant expense and receipt customers to pick Tide rather than the contenders item. In the first place, the organization has to know and find out about Tides expansive market section, which to a great extent comprised of moms (with center wages and youngsters younger than 18 years). At that point Tide found a passionate hole to exist among mother and youngster, which was, while moms put forth an admirable attempt to satisfy their making obligations for their families, they feel absence of gratefulness from their kids all the more explicitly, the kids seldom communicated appreciation and more likely than not took their moms for fumed. As it were, the moms need to thoroughly take care of the youngsters, understand their wants, yet they likewise need to be perceived for their work and seen as Supermen for their kids. In this way, Tide propelled the Supermen battle, in which the significant spotlight was on My mum is super publicizing, bound to tell the moms that kids perceive and value their difficult work when they wash with Tide. Tide propelled the Supermen crusade for 5 back to back a long time in Serbia and Romania and they spent between Ð ²?10 million and Ð ²? 20 million. The medium utilized n the Supermen battle was chiefly center around TV , 99%, and the print media and advertising were utilized as auxiliary media in light of the fact that was evaluated that the normal Balkan customer sat in front of the TV for four to five hours consistently. These business were communicated between family seeing occasions and family programs, continually being disclosed during a similar program break. Tide made two commercials that included a similar story, disclosed from two alternate points of view, which are, the babys perspective followed by the moms position. To make a firmly enthusiastic intrigue, the organization concentrated on focusing on the purchasers nurturing side, utilizing an adorable pre-verbal infant with guiltless articulations in its promoting. Initial, 30 promotion duplicate has been made concentrating on the babys viewpoint chiefly to make a passionate bond with the watcher and a 15 advertisement duplicate has been ascribed to the moms view and bound to console the watcher of Tides neatness from a specialist Super Mums perspective. Tide made additionally exceptional occasions comprised of childrens challenges, which a drawing challenge has been sorted out under the topic My Mum is super. The raring challenge impacted and made a bigger consciousness of further advertising and open air media. The aftereffects of the crusade were effective, Tides volume file appreciating an expansion of over 60% and Tide had the option to recover lost purchasers and indeed rule the Balkan showcase. In this manner, reacting to changes in the outer condition is vital for brand endurance as Tide effectively demonstrated. The organization executed one promoting technique that furnished them a one of a kind association with their intended interest group and they focused on a forceful passionate association in an apparently useful section, instead of contenders. Inquiries regarding the contextual investigation Why did the utilization of an enthusiastic intrigue in publicizing win back Tides shoppers? What does this say about purchaser levelheadedness in dynamic? The utilization of an enthusiastic intrigue in promoting win back Tides shoppers since Tides expansive market portion are the moms and all they might want their endeavors were perceived, might want their youngsters think they are super moms. Thusly, as this was a requirement for them, they recognized themselves with the item and buy. This need of them was self-acknowledgment with the youngsters. Ladies are generally more sincerely in the choices they made than the men are and the choice of purchase Tads item was additionally based one the enthusiastic. Most likely this business would not be so powerful for the buyer judiciousness in dynamic since they will presumably contemplate the usefulness of the item and the cost. On the off chance that Tides target shopper was male, how would you think Tides crusade would have been executed? Would it be coordinated by an enthusiastic or practical intrigue? Why? The crusade ought to be coordinated by useful intrigue, since men are increasingly sane Han ladies are and their choices are typically made dependent on the judicious side.

Strategic Role of Communication in A Cross Cultural Project Team

Development implies another thought, technique or gadget. Decide is characterized as to get something going with a specific goal in mind. Understudies accomplishment in this setting is characterized as Members of the floor, Without further postponement, permit me to disprove the main contention raised by the primary speaker of the administration. The administration has expressed that Innovations In Teaching and Learning Determine Students Success since Ladies and courteous fellows, Allow me to proceed onward with the remain of the negative in todays banter. This house accepts that the movement today Innovations in Teaching and Learning DetermineStudents Success ought not, must not and will never stand. The negative accepts that achievement can't be dictated by Innovation. In any setting at all, understudies achievement can't be dictated by the brainchild of current teaching method and knowledge. Regardless of how Innovative the manner in which an understudy Is instructed or the manner in which they learn, at long last, It Is up to the understudy oneself to decide achievement. We will compose a custom article test on First Speaker Script or then again any comparable subject explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page As the main speaker of the negative, I have refuted the definition and first contention of the government.I have additionally given the definitions and remain of the dynamic In todays banter. Later on, I will Introduce the principal contention of the negative which Is Innovations In Teaching and Learning DOES NOT Determine Students Success on the grounds that .. My subsequent speaker will at that point disprove the first and second speaker of the legislature and convey the two outstanding contentions of the negative which are.. In conclusion; my third speaker will disprove all contentions raised by the administration. Scoops and refined men, Now permit me to Introduce the primary contention of the negative today. Development In Teaching and Learning DOES NOT Determine Students Success in light of the fact that Allow me to give a relationship. There are numerous sorts of present day advances these days. For instance: automated innovation. Presently, you need to make a robot. You have the most development and Innovative programming to date. Nonetheless, you don't have the equipment essential. In interpretation, you dont have the parts to gather the genuine haul or body of the robot. In this way, Ladles and noble men, what Is the point, of having such an Innovative apply autonomy programming when you dont have the genuine body of the robot?Think of the product that I recently referenced as Innovations In educating and learning and the equipment that Is required as the understudies. First Speaker Script By Elmer speaker of the administration. The administration has expressed that Innovations in Teaching learnedness. Regardless of how imaginative the manner in which an understudy is instructed or the manner in which they learn, at long last, it is up to the understudy oneself to decide achievement. Negative in todays banter. Later on, I will present the primary contention of the negative which is Innovations in Teaching and Learning DOES NOT Determine Students overspent.Ladies and noble men, Now permit me to present the principal contention of the negative today. Development in have the most development and imaginative programming to date. Be that as it may, you don't have real heave or body of the robot. All in all, Ladies and men of honor, what is the point, of having such an imaginative mechanical autonomy programming when you dont have the genuine body of the robot? Think about the product that I recently referenced as advancements in educating and learning and the equipment that is required as the understudies.

Water Air Pollution | Analysis

Water Air Pollution | Analysis Contamination Presentation Numerous individuals around the globe can review having strolled in the city and seen smoke noticeable all around or having strolled on the sea shore and seen endless pop jars flying in the sand. This regular occasion is referred to worldwide as contamination which is depicted as the event in which the land, air, and water become tarnished with a few poisons influencing the vegetation and different life forms that live in these conditions. A large number of the contaminants associated with the contamination of the earth are composts, sewage spillages, consuming of petroleum derivatives and trash. Despite the fact that contamination is an overall issue there are individuals and entire nations that are battling against it with greener options in contrast to plastic, power, and gas. Water and Air Pollution Two principle regions that are seriously influenced by contamination are both water and air where we can without much of a stretch watch the exceptional impacts that our impact has on natural life and the earth. Among the issues confronted are the genuine increments of ailment in marine and earthbound life that has prompted the eradication of numerous species. Water contamination happens all the more regularly today in light of the huge measure of waste that is dumped close to conduits and the corrosive downpour which has been the primary wellspring of defilement for most new watered lakes. In water contamination there are two sorts of poisons the traditional and the non-customary. The ordinary poisons are viewed as anything, for example, jars, paper, and plastic sacks. The motivation behind why these things and more are hazardous is on the grounds that these solids skim over water and hinders the suns beams, which at that point upsets the carbon dioxide/oxygen coversion process, whi ch is an imperative procedure for the oceanic life natural way of life. Un-customary poisons are delegated those contaminations that are broken up metals including both poisonous and none harmful which are more hazardous than the regular toxins referenced before. The greater part of the air contamination we see in every day life is brought about via autos; power plants, private ventures, and house hold items who discharge carbon dioxide into nature which at that point prompts the arrangement of brown haze and corrosive downpour. The contaminations causing air contamination are additionally answerable for causing infections which could undermine the lives of the two people and creatures. Among the most widely recognized infections brought about by such contaminations we can discover bronchitis, lung disease, and heart malignancy. Soil and Noise Pollution Both soil and clamor contamination are the least well known of the considerable number of contaminations; in spite of the fact that they are not discussed as regularly as others they stay significant. Soil contamination, is one of the most significant of all the others chiefly on the grounds that the greater part of the things we eat and live off of are some way or another identified with the dirt and if the dirt is tainted we as a whole are influenced somehow. Soil contamination is any nearness of man made items in the characteristic soil condition. This kind of tainting spreads starting with one point then onto the next is by none point contamination which assumes a really enormous job in how contaminants are spread here and there. The manner in which soil is tainted is regularly by permeation of defiled surface waters, the utilization of pesticides, and the immediate release of mechanical waste. At the point when none point contamination happens otherwise called tainted run off it hauls contaminents as said before influencing along these lines the plants that live in the zone and the conduits close to it will likewise be polluted. Among the spots where soil contamination is normally found are those spots that are near or almost a petroleum processing plant, atomic force station, and compound industrial facilities. Different less perceived supporters of contamination are both residential or mechanical waste stores and both agrarian and cultivating methods. When considering all the components that influence soil we should not overlook substance poisons. The significant concoction parts influencing soil today are oil hydrocarbons, pesticides, lead, and other substantial metals. Commotion contamination isn't well known in spite of the fact that its extreme results are being felt and experienced by living beings the world around. Clamor tainting is the abundance human made commotion which is produced by numerous cutting edge machines, for example, cars and different types of transport, pieces of machinery, jack hammers, and other building gear. Because of this contamination the consultation affectability of little youngsters diminishes step by step because of the way that introduction to high clamors influences the ear drum and such impacts are not kidding at a youthful creating age. Other sound-related issues are hearing misfortune that carries with it absence of rest, acid reflux, hypertension and heartburn which are all normal to most residents that possess boisterous and loud zones. Among other logical investigations on commotion levels a few researchers have presumed that the clamor of passing truck upsets neurological and cardiovascular capacities in th e human body, and commotion initiated pressure causes serious strain in ones life which may make individuals be casualties of a psychological issue, for example, uneasiness, apprehension and some more. These scatters lead to expanding mental medication remedies and medication reliance among urban residents who look for help in drug in light of the fact that their outside world restricts them from looking for alleviation elsewhere. Approaches to prevent contamination from deteriorating The expanding level of contamination around the globe has made elective strategies that are normally used to stop the developing pandemic. Among developing increment of ordinary toxins the earthy people and other world associations have created the three R frameworks that speak to the three greener options in contrast to dirtying. The three are Rs are reuse, reuse, and diminish which are all planned for lessening our effect on the earth around us. For further developed techniques for diminishing contamination in circumstances where contamination includes Non-Conventional strategies it is strongly suggested that the network use Bio innovation which includes hereditarily altered creatures that are planned for decreasing our effect through using life forms that would normally eat or deliver a specific concoction segment and by changing their hereditary cosmetics we can deliver microscopic organisms that can tidy up oil slicks or lessen the time that plastic takes to decay by many years. A case of this is found in the nation of Nicaragua who is being considered as a spot to direct logical investigations with hereditarily adjusted microscopic organisms so as to purge the Xolotlan Lake of the considerable number of contaminants that it contains. The pesticides used to shower bothers from crops are presently being supplanted with naturally altered pesticides that give the ideal outcomes without for all time harming the dirt. A fantastic option in contrast to the expanding air contamination and gas lack are the new options being planned and made, for example, ethanol engines and biogas that has been demonstrated to be a specialist that discharges essentially less poisons into the environment then standard gas. We likewise have the choice of purchasing a half and half vehicle that has the engine of a cruiser that for all intents and purposes revives itself each time it is quickened. End Taking everything into account I accept that I have had the option to communicate how cut off the harms brought about by contamination can impact both the earth and the living things that possess it. Additionally I might want to remind everybody that in the event that we dont stop now the effects of contamination will heighten making the impacts of a dangerous atmospheric devation likewise to increment and soon in view of are unreliability the world will lose the greater part of the new water left, and furthermore different creature species even those that havent found at this point. With this report I want to have shown that it is so essential to utilize options all together spare both the planet and ourselves. Works Cited Page Barnum, Susan R.Biotechnology an Introduction. US, copyright 2005 Brooks/Cole division of Thomas Learning. â€Å"Noise Pollution: A Modern Plague. â€Å" Editorial. www.nonoise.org 6 Jan. 2007. 22 Feb.2008 â€Å"The Air Pollution Problem.† Members.aol.com 27 Mar.1998. 23 Feb.2008 â€Å"Noise Pollution.† Columbia Encyclopedia sixth ed.2002 Campbell, Neil An., et al. Science Concepts Connections fourth ed. Scott Foresman-Addison Wesley, Glenview, Illinois

How to Reduce Your Expected Family Contribution

How to Reduce Your Expected Family Contribution Understanding the Expected Family Contribution The Expected Family Contribution is a measure of how much money a family might be expected to contribute to one academic year's worth of college expenses. The formula is used to highlight which students should most receive assistance (the lower the EFC, the higher eligibility for financial aid). The Expected Family Contribution takes the following factors into consideration: The family's taxed income from two years prior The family's untaxed income from two years prior The family's assets The family's benefits Family size Other family members who will be attending college during the academic year for which you are applying Related Articles What Is a Good EFC Number? What Is a Good EFC Number? What Does My EFC Code for Financial Aid Mean? What Does My EFC Code for Financial Aid Mean? 401(k) Tax Deductions 401(k) Tax Deductions There are two separate EFC calculations that can be used: the Federal Methodology (FM) and the Institutional Methodology (IM). The former is primarily used by public programs. Private institutions commonly use the second calculation. Legal Ways to Reduce Your Expected Family Contribution You should never commit fraud by lying. The Office of Inspector General prosecutes financial aid fraud aggressively and sends people to prison for purposely giving false information. Thankfully, there are smart, law-abiding strategies to keep your EFC low and accurate. Maximize Household Size The larger your household size is, the lower your EFC will be (in most cases). The Free Application for Federal Student Aid (FAFSA) considers someone a part of a household if they live at home and if the parent or parents provide more than 50 percent of the dependent's support. This is not usually something you can control, but if a sibling or an adult dependent (such as as a grandparent or aunt) is considering moving out but they're not sure, ask if they'd consider staying another year while you are in school. Increase College Attendance Among Family Members If you are considered a Dependent student on the FAFSA, the college enrollment status of your family members are important. If others in the family are also enrolled in at least a half-time enrollment status while you are attending college, then this can lower your EFC. If one of your parents or siblings are on the fence about enrolling in college, let them know that it could potentially help your financial aid eligibility.

The Efficacy Of Early Warning Systems Finance Essay - Free Essay Example

Sample details Pages: 16 Words: 4811 Downloads: 10 Date added: 2017/06/26 Category Finance Essay Type Research paper Did you like this example? This document examines the efficacy of early warning systems with respect to predicting incipient financial distress of banking institutions. Their practical use by policy makers is limited, even in the international financial institutions. This is a paradox since the changing nature of banking risks as more economies liberalise and develop their financial systems, as well as ongoing innovation, makes the use of EWS for informing policies aimed at preventing crises more necessary than ever. Don’t waste time! Our writers will create an original "The Efficacy Of Early Warning Systems Finance Essay" essay for you Create order A model of banks with different of total assets (small, medium large) is selected, financial and economic data for individual banks are collected, and EWSs that have been applied in banking studies are tested. During a period of few bank failures, the relevance of this bank failure model for surveillance depends to some extent on the accuracy of the model in predicting which banks will have their supervisory ratings downgraded to problem status in future periods. Rather than attempting to guess bank failure as in previous banking literature, we classify banks as capital adequate or capital inadequate and seek to predict inadequately capitalized banks one year prior to the initial decline of the capital ratio. The early warning systems models developed in this document could identify capital inadequate banks with a sufficient amount of accuracy. It is important to consider the policy makers objectives when designing predictive models and setting related thresholds since there i s a sharp trade-off between correctly calling crises and false alarms. Introduction Economic crisis caused a loss a lot of assets and hit banks and money markets and stock markets. Many experts put global and causes of the crisis and tried to put many of the solutions, in order not to repeat the crisis, with the yoke of crises frequently occur once in a while. Usually in a crisis Wallis rush to withdraw some or most of their money from banks, resulting in a smaller cache and entry into force of the banks as quickly lead to bankruptcy of the bank, or falling into financial hardship unless the state stepped quickly to support the bank or if the bank insured money of depositors. It has been said and will say a lot about how that occurred where the global economic crisis, which began in the precursors to the disclosure of the same several months ago. The world know this crisis with the emergence of the subprime mortgage crisis that took place in the United States to be followed by United kingdom after period, and peaked following the announcement of a number of ins titutions and banks in the forefront of the World famous Leman Brothers for bankruptcy, due to lack of liquidity, and the inability to meet the demands of customers, forcing some into bankruptcy, and caused the collapse of the market. The causes of the crisis The reasons for the current global financial crisis back to the year 2006 and the outbreak of the so-called crisis of high-risk loans, which introduced the banking sector and U.S. banking in the spiral of losses and disorders, and claimed the lives of hundreds of thousands of American citizens. The crisis erupted high-risk loans because of the feet of many of the authorized banks in real estate loans to hundreds of thousands of citizens with limited income, ignoring the rule of caution and risk assessment. And adopted the banks of this approach is characterized by unprecedented growth of the real estate sector and a significant reduction of interest rates in place, which resulted in significant numbers of Americans to the conviction that the highly favorable opportunity to buy a house. With the sudden increase of interest rates in the banking markets of America, a large number of Americans have been unable to repay their loans, and the numbers have increased over the months to crea te an atmosphere of panic in financial markets and among investors in the real estate sector. Banks have been affected in the relevant high-risk loans more than other because of high interest rates, and their impact on the situation of borrowers with modest incomes. As soon as the first disturbance, accelerated banks to the confiscation of homes who are unable to repay the loans and sell them on the back of a sudden and severe crisis for the real estate sector is a result of declining prices by much. The series deal with the repercussions of the financial crisis since the outbreak of the credit crunch, high-risk, the central banks in the United States, Europe and Asia are being forced to move, leaving her only the choice between changing interest rates, pumping money into banks affected. The U.S. Federal Reserve deliberately approaches the first option, which took the initiative in many times to reduce the rate fell from 5.25 percent in June 2006 to 2 percent in April 2008. Not only has the U.S. government take this action, but has chosen to go away in their quest to prevent the spread of the crisis, which decided to nationalize the three big banks. Manifestations of this crisis, Manifestations of this crisis, for example, the following: Rush to withdraw deposits from the banks; because capital is coward, and this as stated by the mass media. The fact that many financial institutions to freeze loans to companies and individuals for fear of the difficulty of recovery. Lack of cash in circulation of individuals, companies and financial institutions, and this led to a sharp contraction in economic activity and all aspects of life; which led to the suspension of the borrowers to repay their faith. Low level of transactions in the financial markets, and this caused confusion and disruption in the indicators of ups and downs. Low level of energy used by the companies due to lack of liquidity and a freeze on access to loans from financial institutions, but interest rates are very high and difficult guarantees. Lower sales, especially in real estate, cars, etc.; because of poor liquidity. Increasing rate of unemployment due to the bankruptcy and liquidation, and every employee and worker threatened with dismissal. Increased demand for social subsidies from governments. Low rates of consumption and spending, saving and investment, and this has led to more: recession, unemployment, and slower, stop, and liquidation and bankruptcy. Banking is one of the more closely supervised industries in the United States, reflecting the view that bank failures have stronger adverse effects on economic activity than other business failures. Capital adequacy is central to regulatory oversight of security, safety and reliability in the U.S. banking system. From a regulatory point of view, inadequate capital reflects financial distress that often leads to failure and crash. Regulators ability to predict bank capital shortage would really improve the success of the supervisory process, thereby affording regulators extra time to closely watch potential crisis banks and force sanctions (on dividend payments, asset increase, new business activities, salaries, deposit rates, etc.) to facil itate institutional recovery. Because inadequate capitalization is a pre-condition to bank failure, it has been the focus of widespread study. It is well documented in the literature that financial distress is a prolonged process that in general takes place over an extended period of time. Previous work on financial distress attempts to predict bank failure or closure by regulatory authorities. These studies observe the endpoint in the timeline of financial distress, which extends from the early phase of inability to earn competitive profits to a period of financial turmoil and ultimate failure. Consistent with this judgment, Gilbert, Meyer, and Vaughn (1999) attempt to predict banks that are likely to develop financial problems in the near future predicting a CAMELS downgrade from a safe level (rated 1 or 2) to a watch list level (rated 3, 4, or 5).4 Using a logit analysis, found a simple equity to asset ratio to be one of the important predictors for a CAMELS downgrade. Thi s article describes the process of developing an early warning system for banks to predict financial crises in the God of the banks capital significantly. We apply both logit analysis as well as trait recognition analysis (TRA), a neural network-like method, to the financial and economic data for the period 1988 to 1990. Literature on Predicting Financial Distress Several studies have examined financial distress, which is a pre-condition to firms failure. In general, these studies have found that accounting information can detect incipient financial distress of nonfinancial firms, and that different firm states on the financial distress continuum appear to be independent of one another. There are two branches of literature on financial distress the multinomial choice approach and the survival time approach. multinomial choice models In multinomial choice models a number of states of the firm are hypothesized to exist. For example, some studies define five possible states financial stability, omitting or reducing dividend payments, default on loan payments protection from the Bankruptcy Act, and bankruptcy and liquidation. Some studies define a continuum of financial distress. Others collapse these five states into non bankrupt, financially weak, and bankrupt firms. In most of these studies, an ordinal logistic regression (OLGR) technique is employed, where the response variable is multinomial (as opposed to binomial), and explanatory variables are used to approximation the cumulative probability that a firm is a member of the response states. An additional branch of financial distress, survival time research, these techniques were primarily developed in the medical and biological sciences, but they are also widely used in the social and economic sciences, as well as in engineering, censored observations arise whenever the dependent variable of interest represents the time to a terminal event, and the duration of the study is limited in time. Censored observations may occur in a number of different areas of research. For example, in economics we may study the survival of new businesses or the survival times of products such as automobiles. Survival time research Survival time research, Predicts the probable time to failure using financial, economic, managerial, and regulatory factors. Using Cox proportional hazards models, as well as split-population survival time models, earlier studies compute survival time relative to bank closure or failure. In general, the empirical results support the notion that financial distress is a dynamic process that can be predicted using financial, economic, and other explanatory variables. We applied a survival time model with time-varying predictors to savings and loan (SL) institutions. Interestingly, the authors noted that, among numerous studies attempting to predict SL failure, only one variable was significant in all such studies the equity capital ratio. Our study attempts to shut this gap in the literature by using the equity capital ratio as the dependent variable to reflect an early stage of financial distress. Our aim is to build up a model that predicts one of two states capital-adequate ve rsus capital-inadequate where the latter state represents incipient financial distress to be predicted by bank supervisors. The Methodology EWS Models Use the EWS Survey, to measure the amount of knowledge of individuals about the early warning system in financial institutions and its relationship to economic crises that occur in the world. Objectives of the study Identify the current situation on the economic crisis Measure the individual information about the early warning system Procedural steps Sample Study The sample study consists of 100 individuals which distributed in different ministries, institutions, some branches of the Bank and the training institutes. The tables and graphs showing the distribution of the following members of the sample by: GENDER male female total Gender 42 41 83 Table 1: Distribution of the sample by gender figure 1: Distribution of the sample by gender AGE  20-35 36-50 51-above total Age 52 26 5 83 Table 2: Distribution of the sample by age figure 2: Distribution of the sample by age SALARY  under 1000 1000-2000 above 2000 salary 61 17 5 Table 3: Distribution of the sample by salary figure 3: Distribution of the sample by salary JOB  Business Economy other job 29 3 51 Table 4: Distribution of the sample by job figure 4: Distribution of the sample by job NO. OF BANKS THAT DEAL WITH  1 2 3 or more No. of banks that deal with 49 24 10 Table 5: Distribution of the sample by the number of banks that deal with figure 5: Distribution of the sample by the number of banks that deal with Building Study Tool We designed a Questionnaire to measure the amount of knowledge of individual on the economic crisis(Appendix 1) The Questionnaire consists of public statements and two area : 1-The first area about the economic crisis 2-The second area about the early warning system Applying the Tool study -The questioner was distributed to different ministries, institutions, some branches of the Bank and the training institutes Survey was sent to many groups of individuals on 14-12-2009 via fax, e-mail and by hand. Data was collected through 17-12-2009. 83 responses were received from 100 surveys. Programming Study Tool The questionnaire data was insert and analyze using Microsoft spreadsheets . Data and Empirical Results Survey Results from the viewpoint of individual The public question results : Notice here that the sample almost equally between males and females. It is noted that a large proportion of respondents said their incomes less than a thousand Kuwaiti Dinars ($ 3000) and they represent a large segment of workers in the community. These individuals are most affected by any economic crisis It is noted that one-third of respondents working in the business sector and the rest spread over other sectors. It is noted that a large proportion of respondents dealing with one bank and a significant proportion of individuals dealing with two banks and a few deals with three banks Results of the study are divided into two parts: 1-The first part about the economic crisis 2-The second part about the early warning system Part1 : Economic crisis have you heard about the Economic crisis that occurred recently? Yes No I dont know Q1 81 2 0 Table 6 It is noted that most of the respondents (97.5%) ha d heard about the economic crisis, either through television or radio or newspapers or friends or seminars. figure 6 Did you expect the economic crisis?  Yes No I dont know Q2 34 47 2 Table 7 There are convergent between the percentage who predicted the crisis and among those who did not. figure 7 Is the economic crisis affected your ability purchasing?  Yes No I dont know Q3 48 35 0 Table 8 A percentage of its purchasing power was affected (57.8%) more than those who did not(42.1%), either because of lack of their incomes or because of their expulsion from their jobs or reduce their salaries or high prices of some goods. figure 8 Is the economic crisis affected the number of your trips?  Yes No I dont know Q4 34 46 3 Table 9 Proportions of those not affected by its ability to travel (55.4%)more than those who affected(40.9%), because of the decline in oil prices, which led to lower fuel prices, which in turn lower prices of air tickets. figure 9 Is the economic crisis affected your Bank?  Yes No I dont know Q5 34 39 10 Table 10 figure 10 Do you take a loan from the bank because of the economic crisis?  Yes No I dont know Q6 15 67 1 Table 11 We note here that most of the respondents (80.7%)did not take loans because of the crisis and that back to either they take loans in the past and they cannot take again, or because they dont need loan. figure 11 Do you feel that the economic crisis affected your behavior in dealing with banks?  Yes No I dont know Q7 29 54 0 Table 12 We note here that some members of the sample (34.9%)affected by their dealings with the bank this may be due to the presence of installment or obligations of the bank they could not meet them. figure 12 Have you taken your actions for fear of another economic crisis?  Yes No I dont know Q8 43 39 1 Table 13 We note here that some members of the sample (51.8%)taken precautions for fear of another crisis, because they hurting of the current crisis, we find some of them shift from work in the private sector to the government sector. figure 13 Do you expect another economic crisis?  Yes No I dont know Q9 53 17 13 Table 14 We note here that most of the respondents (63.8%) do not expect a repeat of the crisis once again. figure 14 Part 2: Early Warning system Have you heard about the Early Warning System?  Yes No I dont know Q10 16 67 0 Table 15 We note here that most of the respondents (80.7%) had not heard of early warning systems, due to a lack of informing, or because of lack of attention because of government-sponsored banks and guarantee deposits figure 15 Do you deposit your money in banks that rely on early warning system?  Yes No I dont know Q11 10 5 1 Table 16 We note here that most of the respondents deposit their money in bank that rely on EWS because of government-sponsored banks and guarantee deposits. figure 16 Do you feel the importance of the existence of early warning system?  Yes No I dont know Q12 14 2 0 Table 17 We note here that most of the respondents who had heard about the early warning system believe the importance of having early warning systems in the bank. figure 17 Do you agree with the need to adopt financial institutions and economic of early warning system?  Yes No I dont know Q13 13 2 1 Table 18 We note here that most of the respondents who had heard about the early warning system agree with the need to adopt financial institutions and economic of early warning system. figure 18 Do you agree that the early warning system reduces the incidence of economic crises?  Yes No I dont know Q14 13 2 1 Table 19 We note here that most of the respondents who had heard about the early warning system agree that the early warning system reduces the incidence of economic crises. figure 19 Summary and Conclusions This paper has sought to empirically test the efficacy of EWS models as prediction tools in identifying incipient capital inadequacy in U.S. commercial banks. Our results demonstrate that capital deficient banks are much different from other banks in terms of their financial health. We find that capital adequacy is a broad concept that requires review of a wide array of different kinds of financial and economic variables. In addition, the TRA results highlight the importance of complex interaction variables in identifying banks with deficient capital. Our EWS models could detect the early onset of financial distress in commercial banks one year in advance with a reasonable degree of accuracy. By implication, the EWS models can be used to provide a timely signal of impending bank problems to supervisory agencies. Our group belief, international financial institutions do not employ an EWS specifically for banking crisis. However, given the ongoing liberalization of emerging mar ket financial sectors as well as the changing nature of banking risks as more economies move into market and securitized banking phases, the use of EWS for crisis prevention is more necessary than ever. It is important to consider the policy maker objectives when designing predictive models since there is a trade of between correctly calling crises and false alarms. In this sense our study confirms that EWS for banking crises are a necessary but not sufficient tool for predicting further crisis episodes, since a generalized global model cannot be a substitute for country-specific prudential surveillance. Group Recommendation of Some solution of the problem: Adaptation of this crisis as the financial crisis on financial institutions is to adapt away from the fact that the crisis has, in fact, is a crisis of the capitalist system in its foundation underlying mechanisms and in terms of work and in terms of ethics in his dealings and explained as follows: in its foundation, the system of modern capitalist embrace to say the following: (a more efficient economic role of the state not to have a role in it), we believe that this is a real reason for the crisis and the President of the capitalist system. Here we say that Islamic economics does not is left to the entire economy with the decisions of individuals, but there are individuals in the state with economic decision. Islamic jurisprudence by the richness and wide on the role of the state and nature of the tools and understanding of the evolution. So, we say that the treatment of the entrances to this crisis was the introduction of Islam to the decision on the management of economic p artnership between both the State and individuals. B- in terms of the mechanisms of the capitalist system: multiple of these mechanisms, but we refer only to the interest system which is managed by the capitalist economy, and we remember that the system of interest with his control in the capitalist system, but criticized by economists and capitalists permanent link system crisis in the interest of many of their writings here provide a solution to the mechanism of action of the Islamic economic system with reference only to the subject of the basis upon which the funding mechanism, a system of participation, this system has no system of co-effectiveness and economic efficiency is not economic when the Islamists alone, but when the economists who have studied this system objectively and impartially. Under the impact of financial crisis offers contemporary Muslims as the Islam of the system of participation to be the mechanism governing the work of financial institutions. This syst em of legislation of the Almighty God believes in achieving economic stability and this alternative courses and violent fluctuations caused by the system of interest. In terms of micro and macro view of the economy, the financial crisis of contemporary adaptations of partial adjustment is said it is a crisis at banks or at the level of the stock market, and this adaptation as a minor part of this crisis is now hitting all sectors of the economy. Here we come to the Islamic economy; Islam does not deal with the economy separate intervals, but the entire economy is taking his view to accommodate a total of all sectors of the economy and its branches. Islam, when funding be organized, for example, it takes all matters of economy in terms of equal distribution of incomes, where the interests of society and in terms of interest and not that which is known in the organization of Islam to the economy. In summary, Islam takes all matters of the economy as a complex and interactive, this adaptation of the true economic reality leads to the proper management of the economy. . Economy of the Islamic moral economy: the phrase start by talking on the economy, ethics and this is highly complex in spite of the economy, some economists have warned against the danger to separate economy from ethics, however, the reality of modern capitalist economy no uncertain terms that the role of ethics in the economy and this command from the clarity in the contemporary economic reality, does not need to prove it. Hence the one of the largest Islamic contributions in the economy. Economics of Islam is linked firmly to ethics in all aspects of the economy and the production sector, for example, is governed by specific ethical disciplines of Islam, and the area of finance at the same level, even in consumption is governed by specific ethical controls. So, we say that Islam addresses the economy with moral links secured setbacks arise because of a lack of ethics Here we refer to what is said about the current financial crisis and the reasons that led to and including those related to the lack of morality when some managers financial institutions in capitalist societies. The application of control systems of banks and early warning to financial institutions, and provides the prediction of the expected losses to banks by estimating the potential future losses. Statistical early warning models are useful models to predict the banks that may face problems in the future, and thus the banks that need more intensive monitoring. But to ensure this benefit must be to continue the development of such models in terms of accuracy and reliability, studies have shown that the introduction of some economic variables in these models, such as unemployment and economic growth rate and growth rate of per capital income, increases the ability of these models to predict, as studies have shown the need to use these models in the analysis of scenarios. Educate people about th e crises and early warning systems and the need for these systems in all banks and financial institutions. Discussion: First: the spread of moral corruption, economic, such as: exploitation, lies and malicious rumors, fraud, fraud, monopoly and illusory, and these vices lead to injustice, which leads to the oppressed people complained when they could not afford it, and thereby lead to disgruntled civilians and social revolutions occur when non-payment of debts and loans. Secondly: One of causes of the crisis as well as the article is becoming a weapon of tyranny and tyrants, and control over policy and decision-making sovereign in the world, and money is the god materialists Third: The interest-based banking system on a system of interest taking and giving, and works within the system, debt trading and buying and selling broker, the higher the interest rate on deposits, the higher the interest rate on loans to individuals and companies and the beneficiary is the banks and financial intermediaries, the burden and injustice is that borrowers who receive on loans, whether for consumption or for production purposes. Some economists have argued that real development cannot be achieved and the rational use of factors of production only if the interest rate is zero, because it would bring stability and security, also said that the system of interest leads to a concentration of funds in the hands of a few will control the wealth. Forth: The financial system and the traditional banking system debt at higher interest rates, or replace the loan due and payable loan new interest rate is high, and this places additional burdens on the borrowers inability to pay the first loan; because of the higher interest rate. Fifth: The bad manners of financial intermediation institutions which are based on loans and induce people to them and lure them with fraud, and deceit, and ignorance to take loans from financial institutions, high commissions and ask if there is risk, and who bears the risk of all is the borrower who does not about him or force, and this is what actually happened, which ultimately leads to the crisis. Sixth: The over-expansion and the introduction of credit cards without balance (overdraft), which carry high costs and the owner of the causes of this crisis, and when the cardholder is unable to pay off its debt, has increased the interest rate, and so on until the inquiries by the or under his car or his house, and this is what actually happened to many holders of these cards and led to an imbalance in the House budget and the cause of the crisis in some of the riba-based banks. References: Coats, P. K. and L. F. Fant. 1993. Recognizing financial distress patterns using a neural network tool. Financial Management 22: 142-155. Whalen, G. and J. B. Thomson. 1988. Using financial data to identify changes in bank Condition. Economic Review, Federal Reserve Bank of Cleveland: 17-26. James B Thomson Predicting Bank Failures in 1980s Federal Reserve Bank of Cleveland Economic Review, 1991, Quarter 1 pages 9-20. Alejandro Gaytà ¡n and Christian A. Johnson Octubre 2002 , A REVIEW OF THE LITERATURE ON EARLY WARNING SYSTEMS FOR BANKING CRISES, Central Bank of Chile, Working Papers James Kolari, Dennis Glennon, Hwan Shin and Michele Caputo Predicting Large US Commercial Bank Failures Economic and Policy Analysis Working Paper 2000-1, January 2000, Office of the Comptroller of the Currency. E Philip Davis and Dilruba Karim1,(2007), COMPARING EARLY WARNING SYSTEMS FOR BANKING CRISES, A case study, Brunel University and NIESR West London, pp1-26 Kolari , J., D. Glennon, H. Shin, and M. Caputo. 2000. Predicting large U.S. commercial bank failures. Working Paper No. 2000-1, U.S. Comptroller of the Currency (Washington, D.C.). Whalen, G. and J. B. Thomson. 1988. Using financial data to identify changes in bank Condition. Economic Review, Federal Reserve Bank of Cleveland: 17-26. Spong, K. 1985. Banking Regulation: Its Purposes, Implementation, and Effects. Second Edition. Federal Reserve Bank of Kansas City, Division of Bank Supervision and Structure R. Alton Gilbert, Andrew P. Meyer and Mark D.Vaughan,(2000), The Role of a CAMEL Downgrade Model in Bank Surveillance, https://research.stlouisfed.org/wp/2000/2000-021.pdf ,octobor 2009 Ranjana Sahajwala and Paul Van den Bergh,( December 2000) , BASEL COMMITTEE ON BANKING SUPERVISION, https://www.bis.org/publ/bcbs_wp4.pdf , October 2009 Richard C. Cook, (November 29, 2009), The Economic Crisis and What Must be Done, https://www.prisonplanet.com/the-economic-crisis -and-what-must-be-done.html , December 2009 Mark Thoma on Saturday, (October 4, 2008), What Caused the Financial Crisis?, https://economistsview.typepad.com/economistsview/2008/10/what-caused-the.html , December 2009 By Mustaq Koya, Idialogue Magazine (Australia) January 2009 Edition, Global Economic Crisis, An Islamic Perspective, https://islamicsystem.blogspot.com/2009/01/global-economic-crisis-islamic.html , December 2009 Kabir Hassan,(Novembar 17,2009), The Global financial crisis and the Islamic finance solution, https://www.sesrtcic.org/imgs/news/image/Presentation-FinCrisisAndIFSolution.pdf , December 2009

The Benefits Of Online Books - 828 Words

In today’s time, modern campuses are trying to build better economic models to reduce cost and make campus life more efficient, and like many campuses, Clark too, is going through that transition phase. It recently closed its Book Store and opened an online service to make it available to more students and to encourage sales. However, the crippling costs of textbooks due to monopoly set by copyright laws have caused major problems for students (Soos). In addition to that, the resale value of the same book to students is relatively low. The monopolized price of text books and their little resale value with in store books has led to an online informal market where students act like buyer and suppliers. The problem branches out to several†¦show more content†¦Due to monopolized prices, students have designed their own unofficial online market on platforms like Facebook. Students interact on groups made on Facebook and resell their books at a higher price than they would get at the bookstore. Students who buy them find cheaper versions of the books compared to the market and most prefer to interact in the group. Clark has a Facebook group called â€Å"Clark Book Exchange† where major part of the Clark population exchange books and sell it at a price most people are willing to pay. Ironically, â€Å"Clark Book Exchange† provides a more competitive market environment than the entire textbook industry. Government or universities can solve this problem, in this case Clark, by funding the production of textbooks directly, and placing the content in public domain. This way, textbooks which are partially public goods because of their intended use, are in their right place. While, economically this solution solves the market problem, it is not pragmatic. Implementing such a solution will require a lot of resources, planning and organization at a large scale. While some universities, like Brock University, do publish their own books, it will take Clark University some time to get that system to work. The market failure can further be aided by subsidizing the books for students. This can be achieved by either subsidizing through monetary means or reducing the price by signing a contract with publishers. Providing and adapting alternativeShow MoreRelatedThe Benefits Of Online Books On The Internet1949 Words   |  8 Pagesstart an online business, but that is not the only way to profit on the Internet. For writers, it is now possible to self-publish a book on the Internet. Kindle Direct Publishing, NOOK Press, and iTunes Connect are just a few of the services that can be used to publish a book. This is a sufficient option for authors who are struggling to get published using traditional means. Moreover, with a self-published book, the author has total control over the book. 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Recognition And Employees Job Satisfaction -Myassignmenthelp.Com

Question: Discuss About The Recognition And Employees Job Satisfaction? Answer: Introducation Organizational Behavior focuses on enhancing the productive performance level of the employees. By taking into consideration recent scenario, it is seen that to conduct the activities smoothly it is important to consider organizational theories. The theories of organization consider the human resources and give direct impact on the goals of the company. Productive performance should be taken into consideration so that the goals and objectives can be attained. Organizational behavior theories have a connection with people and groups who are conducting their day to day operations (Healy, 2016). There are many concepts concerned with the organizational behavior. It is seen that to attain overall goals and objectives the company has to give emphasis on job performance and to promote innovation. The managers of the organization should give emphasis on increasing the satisfaction level to adopt effective techniques so that the activities can be conducted smoothly. It is evaluated that organizational theories helps to analyze the behavior of the employees who are working in the organization. If the activities of the organization are conducted according to the theories then it will help the employees to complete the work in an effective manner. Productivity level is only increased if proper benefits are offered to the employees or the workers conducting their routine activities in the organization (Grubb, 2015). Proper knowledge of the activities should be there to the employees so that they can efficiently work to achieve their desired target. Profits can only be attained if the workers of the organization are efficient to conduct the activities. This paper will take into consideration theories like X and Y theory, Herzberg's theory, Goal setting theory, Maslow's hierarchy of needs. It is analyzed that the level of competition is increasing day by day, so it is important for the employees to be dedicated towards the work. There should be proper management of work so that conflicts between the employees can be reduced (Hwang and Lee, 2016). Employee relation plays a great role to encourage the employees to work efficiently. If there is proper relation between the employees then the activities can be conducted smoothly. To enhance the motivation level of the employees the managers has to consider personality factors like psychology, sociology, anthropology, political science, and economics. The focus is given by the managers to manage the activities of the employees. It is analyzed that psychology factor takes into consideration the behavior of the individual on the basis of the incentives. Sociology evaluates the link between the workers. Social psychology considers the situations like stress and conflicts. Stress and conflicts should be properly managed so that overall objective can be accomplished. Anthropology has a link with the consumers, traditions and social norms of the organization. Political Science also evaluates the power that gives emphasis on incentives so that the productive performance of the employees c an be increased (Korschun et al., 2014). Job designing also helps to increase the productivity of the employees. At the time of hiring the employees, it is important to evaluate the capability so that the activities can be conducted smoothly. Job designing gives emphasis on minimizing the conflicts of the employees and also helps to attain overall objectives. One of the theories is a cognitive theory in which there are two motivation systems. One is intrinsic and other is extrinsic that gives proper correspondence with the two kinds of the motivator. Intrinsic motivators are related to achievement, responsibility, and competence (Braver et al., 2014). It is related to the motivator that comes from the performance of the employees and with the interest of work. Extrinsic is related to pay, feedback and working conditions. It comes from a person-environment and it is controlled by others. Intrinsically individuals who are motivated conduct the activities according to their own satisfaction level and achievement. It is evaluat ed that if they analyze that they are conducting some activities then it is just because of the pay or the working environment (Stoyanov, 2017). It is evaluated that if there are powerful extrinsic motivators then it can reduce the motivation level of the intrinsic motivator. For example: if the boss who is always turned towards the rewards will give focus to intrinsically motivated individuals. It is seen that on the Maslow hierarchy intrinsic motivators tend to be on the high level (Shields e al., 2015). Job satisfaction also enhances the performance of the employees. It is seen that if the individual who is satisfied with the job conducts the activities with efficiency and dedication and helps to accomplish overall goals and objectives of the organization. Satisfaction comes when the employees are satisfied with the activities assigned to them. In this Maslow hierarchy will be taken into consideration (Truss et al., 2013). In this, it is seen that self-actualization on the job takes into consideration training, advancement, growth and creativity. Esteem needs consider recognition, high status, and responsibilities. Belongingness needs consider team, clients, and superiors who give assistance at the time of conducting the activities. Safety needs consider work safety, job security. The physiological needs consider basic salary and good working environment. So, it is important to consider the needs so that the employees can feel motivated and happy to conduct the activities of the organization. It is essential that the companies should give extra benefits so that satisfaction level of the employees can be enhanced (Katzenbach and Smith, 2015). Rewards should be given to the employees by analyzing their performance and also their behavior. It is important to give rewards by analyzing the way of working and also the behavior of an individual with the other employees. Rewards that are given by the companies help to enhance the satisfaction level of the employees and also assist in making the right decision. Right decision to conduct the activities of the organization is essential as it helps to sustain in the competitive environment. Managers of the organization should give rewards to the employees according to their capability and the outcome of the overall activities they performed (Zeb et al., 2014). "SMART GOAL" theory is also the theory that helps the managers of the organization to set goals by analyzing the capability and working capability of the individuals. If the goals of the organization are good enough then innovative ideas can also be attained. If goal setting theory is considered then it is evaluated that dissatisfaction can be reduced of the employees who are conducting their routine activities (Yusoff et al., 2013). X and Y theory also helps to evaluate the satisfaction of the employees. X reflects monetary advantages and Y reflects independence of the employees. The workers of Theory X are considered as lazy and theory Y is considered as the best employees that help the organization to enhance the goodwill in the organization. The companies consider theory X and Y so that the positive outcome can be attained and also confidence level of the employees can be enhanced. It is essential for the top management to focus on the objectives of the organization so that the activities can be conducted smoothly. The job of the employees is to conduct the activities with full dedication and responsibility so that goals and objectives of the organization can be attained. The employees should be assigned those tasks that can be completed with efficiency. If the tasks are assigned that are not according to the employees, then it can be difficult to complete it with efficiency and dedication. The working environment of the organization should be positive and employees should be active to grab the opportunity that prevails in the organization. The activities of the organization should be easy so that positive results can be attained (Mathieu et al., 2016). By focusing on the paper, it is concluded that organizational behavior theories give assistance to the companies so that the activities can be conducted smoothly. It is essential that the company should maintain proper relation with the employees so that they can give feedback without hesitating. It is essential that the company should have positive relations with the workers of the organization. Policies and procedure of the organization help the employees to conduct the activities of the organization in a proper manner. It is evaluated that workplace environment helps to motivate the employee's efficiency. Managers should focus on the enhancing the capability of the employees so that they can conduct the activities accordingly. If the workers of the organization are capable to operate the activities in an efficient manner then it will help to attain growth. Growth is important for every organization and for achieving large market share the employees of the organization has to work efficiently. It is important for the workers to create target so that the goals can be attained in a proper way. It is seen that if the employees are dedicated and give their best towards the tasks that are assigned then the company can grow for a long time. References Braver, T.S, Krug, M.K., Chiew, K.S., Kool, W., Westbrook, J.A., Clement, N.J., Adcock, R.A., Barch, D.M., Botvinick, M.M., Carver, C.S. and Cools, R., 2014. Mechanisms of motivationcognition interaction: challenges and opportunities.Cognitive, Affective, Behavioral Neuroscience,14(2), pp.443-472. Grubb, M.D., 2015. Behavioral consumers in industrial organization: An overview.Review of Industrial Organization,47(3), pp.247-258. Healy, K., 2016. A Theory of Human Motivation by Abraham H. Maslowreflection.The British Journal of Psychiatry,208(4), pp.313-313. Hwang, I.H. and Lee, H.Y., 2016. The employee's information security policy compliance intention: theory of planned behavior, goal setting theory, and deterrence theory applied.Journal of Digital Convergence,14(7), pp.155-166. Katzenbach, J.R. and Smith, D.K., 2015.The wisdom of teams: Creating the high-performance organization. Harvard Business Review Press. Korschun, D., Bhattacharya, C.B. and Swain, S.D., 2014. Corporate social responsibility, customer orientation, and the job performance of frontline employees.Journal of Marketing,78(3), pp.20-37. Mathieu, C., Fabi, B., Lacoursire, R. and Raymond, L., 2016. The role of supervisory behavior, job satisfaction and organizational commitment on employee turnover.Journal of Management Organization,22(1), pp.113-129. Shields, J., Brown, M., Kaine, S., Dolle-Samuel, C., North-Samardzic, A., McLean, P., Johns, R., O'Leary, P., Robinson, J. and Plimmer, G., 2015.Managing Employee Performance Reward: Concepts, Practices, Strategies. Cambridge University Press. Stoyanov, S., 2017.A Theory of Human Motivation. CRC Press. Truss, C., Shantz, A., Soane, E., Alfes, K. and Delbridge, R., 2013. Employee engagement. Yusoff, W.F.W., Kian, T.S. and Idris, M.T.M., 2013. Herzbergs Two Factors Theory On Work Motivation: Does Its Work For Todays Environment.Global journal of commerce and Management,2(5), pp.18-22. Zeb, A., Rehman, S., Saeed, G. and Ullah, H.A., 2014. Study of the Relationship between Reward and Recognition and employees Job Satisfaction: A Literature Review.Abasyn Journal Of Social Sciences,7(2), pp.278-291.