The Yellow Wallpaper By Charlotte Perkins Gillman

â€Å"I sometimes fancy that in my condition, if I had less opposition and more society and stimulus, but john says the very worst thing I can do is think about my condition and I confess it always make me feel bad†. This quote from the short story â€Å"The Yellow Wallpaper† serve as an implicit criticism of given in the nineteenth century women who prefer not to think about their condition. â€Å"The Yellow Wallpaper† written by Charlotte Perkin Gillman is often referred to as a feminist short story. The narrator is the story goes insane suffering from Post-Partum, because her role in society is limited and constricted. The short story â€Å"The Yellow Wallpaper has a lot of reasoning and character behind the author Charlotte Perkins Gillman. Charlotte Perkins Gillman the author of â€Å"The Yellow Wallpaper. Gillman was born on July 3,1860 in Hartford, Connecticut. Gillman was a writer and social activist in the late 1800’s and early 1900’s. Sh e had a difficult childhood. Gilman farther abounded the family leaving her mother to raised two children. Gillman married and artist name Charles Stetson. They had a daughter name Katherine. Gillman experienced a serve depression and underwent a series of unusual treatment for her depression. Developing depression by both a serve case of Post- Partum. She describes her as a â€Å"worse horror then before†. She agreed to undergo hypothetically advance and effective rust care treatment to cure her of her agonizing depression. Her well document treatment forShow MoreRelatedThe Yellow Wallpaper, By Charlotte Perkins Gillman954 Words   |  4 Pagesstory, â€Å"The Yellow Wallpaper,† written in 1892, by Charlotte Perkins Gillman, wrote this short story after suffering from her own â€Å"personal nervous breakdown in 1885. It is a semi-autobiographical record of psychiatric treatment and the descent into ‘madness’.† In that time, little relief and help was available. Gilman emphasizes that fear has copious power through the devices of imagery, the ghostly sight, the characterization through the dark thoughts, and the symbol of the wallpaper, her life,Read MoreTheme Of Realism InThe Yellow Wallpaper, By Charlotte Perkins Gillman740 Words   |  3 PagesHave you ever felt like you were losing your mind? Well, one may just do so after reading â€Å"The Yellow Wallpaper†, one of Charlotte Perkins Gillman’s most popular stories. For the first time, we’re able to see through the eyes of a crazed woman and her thoughts in her descent into total insanity. After having a child, the woman falls â€Å"ill.† Her husband, John, is a physician. He diagnoses her with nervous depression and puts her in the old nursery of the summer home they had recently moved into forRead More Freedom for Women in The Yellow Wallpaper by Charlotte Perkins Gillman and The Story of an Hour by Kate Chopin1202 Words   |  5 PagesFree dom for Women in The Yellow Wallpaper by Charlotte Perkins Gillman and The Story of an Hour by Kate Chopin The Yellow Wallpaper by Charlotte Perkins Gillman and The Story of an Hour by Kate Chopin are two feminist works in which liberation is the overlying theme. Both of the main characters achieve freedom from their husbands oppression in these short stories; however, freedom is only achieved through insanity in The Yellow Wallpaper and death in The Story of an Hour. The womenRead MoreAnalysis of Charlotte Gilmans The Yellow Wallpaper969 Words   |  4 PagesYellow Wallpaper Annotated Bibliography Frye, C.B. Using Literature in Health Care: Reflections on The Yellow Wallpaper. The Annals of Pharmacotherapy. (32: 7). 1998. 829.33. Print. Most people who wrote about The Yellow Wallpaper do so from the perspective of a literary scholar. This however is written by someone in the health care field. C.B. Frye says that fiction can impact the larger world; in this case it impacted mental health and the work of Gillmans doctor, S Weir Mitchell. AlthoughRead MoreThe Yellow Wallpaper By Charlotte Perkins Gilman2032 Words   |  9 Pagesâ€Å"The Yellow Wallpaper† by Charlotte Perkins Gilman is a poem about women facing unequal marriages, and women not being able to express themselves the way they want too. Charlotte Perkins Gilman was born in 1860, and died in 1935. This poem was written in 1892. When writing this poem, women really had no rights, they were like men’s property. So writing â€Å"The Yellow Wallpaper† during this time era, was quite shocking and altered society at the time. (Charlotte Perkins Gilman and the Feminization ofRead MoreTh e Yellow Wallpaper By Charlotte Perkins1189 Words   |  5 PagesAubi-Ann Genus Ms.Vedula 4 December 2015 â€Å"The Yellow Wallpaper† a Feminist Story â€Å"The Yellow Wallpaper† by Charlotte Perkins Gillman focuses on the oppression of women in the 19th century. The story introduces us into the awareness of a woman who is slowly going insane over the course of the summer. She recently just gave birth to a baby and is most likely suffering from some type of depression. Analyzing this story, we see the frustrations of women during The Victorian era. Women were manipulatedRead More Essay on The Yellow Wallpaper: Imprisoned785 Words   |  4 PagesImprisoned in  The Yellow Wallpaper    As man developed more complex social systems, society placed more emphasis of childbearing. Over time, motherhood was raised to the status of â€Å"saintly†. This was certainly true in western cultures during the late 19th/early 20th century.   Charlotte Perkins Gilman did not agree with the image of motherhood that society proposed to its members at the time. â€Å"Arguably ‘The Yellow Wallpaper’ reveals women’s frustration in a culture that seemingly glorifies motherhoodRead MoreFeminism in The Yellow Wallpaper609 Words   |  2 Pagesâ€Å"The Yellow Wallpaper†, like many stories, has an underlying message that seems to be hidden between the lines. If you sit down and read this story once, you might see a bit of male domination of John over the narrator, but if you read it a second time and think deeper you see the true feminist theme. Gillman truly showed her feminist ways throughout this story, although it’s a short story and contains a lot of powerful messages in it. The first point is that Gillman uses metaphors to show her feminismRead MoreThe Yellow Wallpaper By Charlotte Perkins Gilman Essay1208 Words   |  5 Pagesthat wallpaper as I did?† the woman behind the pattern was an image of herself. She has been the one â€Å"stooping and creeping.† The Yellow Wallpaper was written by Charlotte Perkins Gilman. In the story, three characters are introduced, Jane (the narrator), John, and Jennie. The Yellow Wallpaper is an ironic story that takes us inside the mind and emotions of a woman suffering a slow mental breakdown. The narrator begins to think that another woman is creeping around the room behind the wallpaper, attemptingRead Moreâ€Å"The labor of women in the house, certainly, enables men to produce more wealth than they otherwise1300 Words   |  6 Pages But so are horses.† Stated by Charlotte Perkins Gilman. She compared the labor of women to a horse because just as a horse has n o say neither did women. She states that men could be wealthier if women were to work instead of doing only house work but they are entitled to keep up the house and that is there economic function in society. Charlotte Perkins Gilman was a huge feminist in her time and influenced women through her literature such as The Yellow Wallpaper which displayed the struggles of

Technological Innovations In The Banking Industry And Their Effects On Performance Finance Essay - Free Essay Example

Sample details Pages: 8 Words: 2433 Downloads: 2 Date added: 2017/06/26 Category Information Systems Essay Type Research paper Did you like this example? CHAPTER 1 INTRODUCTION In recent times, the emergence of Information Technology has been incorporated into the Banking Industry. This advent of Information Technology (IT) has propelled a noticeable change in the Banking Sector. Information Technology (IT) to all computer based information systems used by an organisation and their underlying technologies (Langdon and Langdon, 2006) Information Technology systems are revolutionising the operations of firms, industries and markets. Don’t waste time! Our writers will create an original "Technological Innovations In The Banking Industry And Their Effects On Performance Finance Essay" essay for you Create order Langdon and Langdon also defined an IT system as a set of interrelated components that collect (or remove), process, store and distribute information to support decision making, coordination and control. It also helps managers and workers to analyse problems, visualise complex subjects and create new products. IT is one of the most important tools along with the innovations in organisations and management. Research has shown the investment in IT plays a critical role in increasing the productivity of firms (Zhu et a l, 2004 The business world is in the midst of a networking and communication revolutions driven by the growth of internet, internet based technologies, new business models and processes that leverage the new products. Banking Trends Worldwide Over the past decade, service organisations including commercial banks have been driven by such trends such as advancements in technology and deregulation to enhance their distribution channels. Technology in Banking can mainly be found in the form of computer based applications and information technology. Currently, delivery trends in banking include, PC Banking, Internet Banking, Mobile Banking, Managed networks, TV-Based, Automated Teller Machines(ATM), Electronic Funds Transfer at Point of Sale(EFTPOS) etc. Importance of Technology in Banking A number of studies have concluded that IT has significant positive effects on bank productivity, cashiers work, banking transactions, bank patronage as well as its service delivery thus a positive effect on growth of banking. (Balachandher et al, 2001: Hunter, 1991) It has also been said that, technology enables banks to reduce costs, i.e., reduction of operating labour cost, cost of collecting, storing and processing information fall and interest expense is more competitive because technology enables banks to access liabilities more cheaply. Also, technology enable banks to serve their customers better and faster (convenience of having 24 hour access to ATMs, internet banking and telephone banking) and also it enables banks have diverse banking products. Finally, technology enables banks increase revenue and capture new markets by offering broader array of services and doing banking business worldwide. Technology is the is the key to quality service in banking. Statement of the problem Top management in the Banking Industry invest in Information Technology with the expectation will result in higher productivity and/or provide the bank with a stronger market presence and related competitive advantage. With the deregulation of the Banking industry, completion has increased considerably thus in managing operational costs, IT has become critical to achieve a competitive advantage (Mistry, 2006) Although most researchers conducted on this topic have yielded mixed results, most of them have shown that IT and bank performance are independent of one another. However, this research is aimed at finding out if, indeed, the same holds for the Ghanaian Banking Industry or if the Ghanaian Banking Industry is benefiting from the incorporation of IT into daily banking operations. Hypothesis A scientific assumption that will consist of measurable variables linked by a relationship that explains how IT impacts bank performance in that IT has enhanced banks service deli very, product line customer data base management and credit allocation. This assumption is that the higher the IT expenditure used by a bank, the higher its revenue. Aims and Objective of study To describe the Technological Environment of Ghanas Banking Industry. To find if there is a relationship between IT and Bank Performance. Scope of the Study The study focuses on banks currently using IT based service delivery in Greater Accra Region. Furthermore, the sample size was limited to Ten (10) universal banks out Twenty-five (25) CHAPTER 2 Literature Review Firms invest substantial amounts of resources to sustain or enhance their competitive advantage, that is , their abilities to compete globally. These expenditures are usually made to sustain shareholder value through either a revenue growth strategy or a productivity strategy. According to kim et al (2004), a revenue growth strategy involves expanding new markets, new customers and service while a Productivity Strategy involves making improvements in cost structure and asset utilization. Investing in IT is highly important for improving core competencies for firms in the Banking Industry. Information Technologies are essential tools for developing new financial services, financial products and providing effective and convenient services to customers. The environment in the Banking Industry has become IT intensive (Kim et al , 2004). Banks have moved into online banking systems using IT systems such as Cash Dispensers or Automated teller Machines, Telephone Banking and Internet B anking. Several studies have been conducted to investigate the economic consequences of IT an the Banking Industry. Most of these researches focused on whether IT provides positive economic benefits or not. Although the evidence appears mixed, some studies found that the IT Productivity Paradox disappeared when the use of IT was well matched with its business strategy such as revenue growth or productivity strategy (Porter, 2001; Simmons, 1998; and Brynjolfsson and Yang, 1996). Thus managers first concern in investing in IT must be how to combine IT and business strategy in order to obtain a higher business performance. Modern Banking Practice Since the 1980s, the Banking Sector has been in a process of significant transformation that started in the United States and later moved to Europe. The main forces behind this transformation of the Banking Industry according to Reixach (2001), are deregulation and innovation in information technologies. Both forces have brought about an increased competition not only among banks but also from other financial and even non-financial institutions. Banks now depend on income from fees rather that interest rate spreads and also competition has in some cases, encouraged banks taking higher risks for which there might only be a little gain. On the other hand, the transformation of the Banking Industry has contributed to the blurring differences between retail, wholesale and investment banking. Banks in America have steered towards specialisation while in Europe the trend is tailored towards Universal Banking. Specialization has been the trend in the early Ghanaian banking industry. In the last ten years, the trend has changed with few banking converting to Universal Banks and the issuance of Universal Licences to new banks. 2.1.1 Type of IT Innovations Information technologies are having a big impact on the reshaping of the Banking Idustry leading to the development of new financial products and new means of developing them. With regards to the delivery of bank products, the last decade has seen the appearance of Automated Teller Machines (ATMs) and Telephone Banking, and now seeing the spread of Internet Banking. Banking business is now a 24 hour and a 365 day activity with customers having to spend less hours of waiting for service. The main types of IT innovations currently present in the Ghanaian Banking Industry are ATMs, Internet Banking, PC banking, Telephone Banking, Branch Networking, and Electronic Funds Transfer at Point of Sale (EFTPoS) Bank Performance According to Madura (2001), the main measures of Bank Performance are return on the asseta and return on equity. Return on Assets (ROA) is mainly influenced by financial characteristics such as net interest margin, non -interest revenue, non-interest expenses and loan losses. Bank decisions that affect the financial characteristics of banks are deposit rate decisions, loan rate decisions, loan losses, bank services offered, overhead requirements, efficiency, advertising and the risk level of loans provided. Return on equity on the other hand is influenced by the return on assets (ROA) and the banks leverage measure. Several studies have been conducted on the IT and firm performance. Advances in IT permit management to change and improve significant aspects of a firms structure and operations (Porter, 2001; Stanmbaugh and Carpenter, 1992; and Elliot, 1992). Studies investigating effect on firms profitability, according to Kim et al (2004) focused on whether It expenditur3e is converted into business value; eg. reduced expenses, increased revenue or i mproved operating performance. The evidence appear mixed on the effect of IT on financial performance (Brynjolfsson and Yang, 1996). Brynjolfsson and Hitt (1994) found out that IT improved the firms productivity and created substantial value for customers but did not improve profitability In sum, many studies have shown that IT Reduces operating costs (Barua et al, 1995) Increases market share and productivity (Brynjolfsson and Hitt, 1994) Increases future economic benefits and profitability ( Brown, Gatain, and Hicks, JR., 1995) The context of the Study History of It in Ghanas Banking Industry Abor (2002) in his paper Technological Innovations and Banking in Ghana gives a history of It in Ghana in stated that before the 1980s it was only the use of office automation devices such as Telephones, telefax and facsimile were employed to speed and make more efficient the process of serving banks customers. Later in the 1985 and beyond, as competition intensifie d and the personal computer (PC) got proletarian, banks begun using the in the back-office operations and later tellers used the for customer services. Advancements got banks networking their branches and operations and the first ATM was installed by the Trust Bank Ghana in 1995. Other technologies such as Electronic Cards became popular as foreign banks came on the scene with increased competition and service delivery that need IT. Clydestone Ghana Limited Clydestone Ghana Limited is a leading provider of information, communication and technology in Ghana. Listed as the first ICT company on the Ghana Stock Exchange is specialized in payment systems, networking and outsourcing and is the sole supplier of UNISYS in Ghana. Their outsourcing installs and manages most of Ghanas ATMs and Point of Sale Terminal (POS). CHAPTER 3 RESEARCH METHODOLOGY This chapter describes the research process. A mixture of qualitative and quantitative research techniques will be used. However, primarily a desk research will be conducted to cover the Ghanaian Banking Industry and interview with Banks IT service providers of which the greater percentage comes from Clydestone Ghana Limited. 3.1 Target Group and Sampling Procedure This research will be focused on banks, irrespective of their categories, which are currently employing some form of IT in their daily operations. Three Banks will be chosen for the case study; namely, Cal Bank Ghana Limited, EcoBank Ghana Limited and Ghana Commercial Bank Limited. Cal Bank and ECOBank are the topmost Banks which employ the most forms of IT innovations. Secondly, these banks have been involved in several changes since its attainment of a universal licence. Ghana Commercial Bank which is the traditional commercial bank has a wide network of branches but has not adopted most of the recent IT innovative service delivery products thus a part of the sample for the studies. 3.2 Sources of Data The study will obtain information from primary and secondary data 3.2.1 Primary Data Top management personnel of Clydestone Ghana Limited will be interviewed to obtain the information on the various IT devices and technologies that banks use in their daily operations. 3.2.2 Secondary Data Secondary data that will be used and are accessible are; Bankscope The Ghana Banking Survey 2000-2009 Annual Reports of the 3 named Banks The Internet 3.2.3 Time Frame Data collection will be limited to a time frame of the last nine (9) years. This is because during the period under review, the Banking Industry experienced a lot of changes; events such as the introduction of Universal Banking, the influx of Nigerian Banks, and the introduction of the new Capital Accord occurred. The period under review will be from 2001 to 2009. 3.3 Methods/Procedures A preliminary survey will be conducted to determine the number of banks currently employing some for IT in their service deliver y. This will be conducted on all twenty-five (25) banks in the Ghana Banking Industry to collect information on various IT based products for bank customers. Clydestone Ghana Limited, an IT service provider for banks, in order to determine the extent to which banks depend on information technology. These Interviews will be conducted to find out the number, types and frequency of Information Technology devices available and employed by banks. 3.4 Treatment of Finds The findings from the research process will be analysed mainly by trend analysis, ratio analysis and regression analysis to allow inferences to be made. Three measure will be used to evaluate bank performance. These are return on assets, return on equity and operating profit in three regression models. 3.4.1 Trend and Ratio Analysis This is based on the assumption that economic performance follows an established pattern and, therefore, historical data can be used to predict future business activity. This will be used to show whether since the introduction of IT in the banking industry certain variables such as loans and advances have changed with a consistence ratio. This will also be used to forecast the future of IT in banking industry. 3.4.2 Graphical Presentations These include bar charts, pie charts, tables and graphs. They will be used to show the relationship between the two variables being tested; IT and bank performance. 3.4.3 Computer Applications Microsoft Excel 2003 will be instrumental to present the findings in graphical forms, then used too interpret the finding from primary survey in order to select a sample to analyse financial ratios of the samples to be able to perform the regression analysis. 3.4.4 Regression Analysis Conceptual Framework The conceptual framework of this study, as in Figure 1 below, shows that the investments in Information Technology can influence firm performance, i.e. IT has a positive effect on performance. In order to av oid any interference by the other variables, this study includes control variables which are the firms characteristics, namely; non-interest revenues, non-interest expenses, capital structure of the bank and the growth in net interest income of the firm. The study will employ multiple regression models to examine the relationship of It investment on bank performance. Regarding the measurement of firm performance, this study will use performances which are based on accounting measures. Although some researchers have expressed concern over the use of accounting rates of return (Fisher and McGowan, 1983), most studies regard the accountin g measures as acceptable. Cheng and Chun (2005) used return on assets (ROA) as a measure of firm performance. In order to increase the reliability of empirical results, two other models will be used. These models will be return on equity and bank profit as measures of bank financial performance. To avoid the impact caused by other variable s that are absent from my model, this study refers to prior research (Cheng and Chun, 2005) and chooses the firm characteristics as capital structure and growth in net interest income. The study also refers to Kim and Davidson (2004) and selects Net Spread, Return on Equity and Return on assets as control variables with bank operating profits as the dependent variable.

Plastic and Specific Technical Needs Free Essays

Answer: Plastic was thought to be a boon but it turned out to be a curse. Plastic can be very harmful as it produces harmful gases when it is burned. As it is non bio degradable, it is harmful to the soil and takes hundreds of years to degrade or decompose. We will write a custom essay sample on Plastic and Specific Technical Needs or any similar topic only for you Order Now Plastic is a boon for man but it is a curse for the master. It makes life comfortable for man but life tiring for the environment. Once animals have eaten it and due to choking they die Plastic is very harmful to living things. We should decrease the use of plastic. In India use of plastic has been banned. Packaging represents the largest single sector of plastics use in the world today. Benefits of plastics-Boon The considerable growth in plastic use is due to the beneficial properties of plastics. These include: Extreme versatility and ability to be tailored to meet very specific technical needs. Lighter weight than competing materials, reducing fuel consumption during transportation. Extreme durability. Resistance to chemicals, water and impact. Good safety and hygiene properties for food packaging. Excellent thermal and electrical insulation properties. Relatively inexpensive to produce. Plastics makes up around 7% of the average household dustbin. Effects of plastic-Curse. Plastics production also involves the use of potentially harmful chemicals, which are added as stabilisers or colorants. Many of these have not undergone environmental risk assessment and their impact on human health and the environment is currently uncertain. An example of this is phthalates, which are used in the manufacture of PVC. PVC has in the past been used in toys for young children and there has been concern that phthalates may be released when these toys are sucked (come into contact with saliva). Risk assessments of the effects of phthalates on the environment are currently being carried out. The disposal of plastics products also contributes significantly to their environmental impact. Because most plastics are non-degradable, they take a long time to break down, possibly up to hundreds of years – although no-one knows for certain as plastics haven’t existed for long enough – when they are landfilled. With more and more plastics products, particularly plastics packaging, being disposed of soon after their purchase, the landfill space required by plastics waste is a growing concern. Plastic waste, such as plastic bags, often becomes litter. For example, nearly 57% of litter found on beaches in 2003 was plastic. Recycling plastic -Advantages. Conservation of non-renewable fossil fuels – Plastic production uses 8% of the world’s oil production, 4% as feedstock and 4% during manufacture. Reduced consumption of energy. Reduced amounts of solid waste going to landfill. Reduced emissions of carbon-dioxide (CO2), nitrogen-oxide (NO) and sulphur-dioxide (SO2) How to cite Plastic and Specific Technical Needs, Papers

Handgun Ownership Essay Sample free essay sample

On 2nd April 2012. A shooting incident that killed seven people and injured many people happened in a university in Oakland. California. There is another hiting incident in 9 yearss subsequently in Los Angeles. Peoples starts to oppugn why it will go on and how to forestall it. Some people think that citizen should non have pistol while others deem that it is an of import right of the citizens. Therefore. I would wish to lift some grounds on both sides to discourse this hot issue. To get down with people can utilize their pistol for self-defence and amusement. In American. non every houses or flats are close constabulary Stationss. Time is besides needed for constabulary to make to victim in instance of exigency after people call 911. Therefore. owing handgun go a barbarous manner to protect victim themselves when they facing danger without the aid of constabulary. For illustration. if there is a adult male want to kill or rob you. We will write a custom essay sample on Handgun Ownership Essay Sample or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page you can utilize a pistol to protect yourself by merely force the trigger to wound him. Even you do non cognize how to utilize it or make non desire to ache him. a arm which is more than merely au naturel manus can scare the mobster. Besides. it is neer a good thought for a condemnable to ache a people with pistol. Furthermore. the ownership provide amusement for people. Gun nines and festival has a long is one of the most popular leisure activities in America. Peoples shoot in a safe field with the presence of teacher for merriment or to let go of emphasis. Furthermore. shot is a athleticss and involvement for people to hold amusement merely like other ball games. We can detect that it is recognized by Olympic to hold universe broad hiting competitions. On the other manus. the ownership can take to accidents and more offenses. There are some gun stores on street that allow people to obtain guns easy. Thus. the ownership provides a convenient mean for mobster to make arms for condemnable activities. Furthermore. it can do citizen to make offense easy in instance of most of the people have handgun. For case. if two males get into a battle since there is an statement between them. one of them may take out a gun to injure or even slay the other 1. Furthermore. the ownership may bring forth accidents. Since that guns are merely arms and we can non do certain that guns ever work absolutely without any mistake. hence. it is possible for guns to travel off by chance. Furthermore. if grownup do non set their guns into safety infinite. kids may take it and handle it as playthings. Therefore. guns will do inflectional morphology and even go the deathly toys to kids All in all. although handgun ownership can do more inflectional morphology and offense. it is decidedly one of the of import rights for people to hold amusement and ability for self-defence. The ownership is used for offense or right intent is non depends on ordinance but the pick of people. Therefore. the authorities should set more attempt and resource on instruction alternatively of limitation.