Animations Effect On Children Annotated Bibliography

Animations’ effect on children: An annotated bibliography For years, the world grappled with racial and ethnic representation in media. Characters that come into our homes through TV screens- who we laugh with, cry with, get angry with- have more than just a temporary impact on our lives. They help us shape our own reality, â€Å"who we are, who we aspire to be, and how we view the world around us†(1). Race and ethnicity are not only physical attributes of people but also are ways of seeing and understanding the world. Given that many of the messages that children receive about race and ethnicity come to them through animation and cartoons it’s important to discover how it impacts them. Animation is heavily aimed at children in our country and influences the way they perceive and enact with the world around them. Animation is used to teach moral lessons, engage creativity, and bolster confidence.(2) In the United States and other Western Contexts, whites have historically been associated with superiority and privilege; while non-whites have historically been associated with inferiority and labeled as the Other in society. This is widely depicted in most of the media we consume. Even in animation, most of the main characters in movies and television shows are white while people of color are often cast in certain roles such as the maid, the gangster or evil doer, the model minority, or the supportive best friend. Despite the imaginativeness of animation, because of someShow MoreRelatedEssay on Culminating Project for RDG 5438982 Words   |  36 Pagesin our Career and Technical Education testing software named Thinkgate. Unit 2.09 is the lesson on Animations in P owerPoint. All quizzes and tests are kept on a secure server. Students have access to the formal assessment when their teacher provides the appropriate test ID number. The quiz itself is not able to be downloaded nor copied. The unit 2.09 quiz has 20 questions related to animations and related Power Point areas. Informal Assessment related to instruction plan: Below is a projectRead MoreThe Marketing Research of Brainquiry33782 Words   |  136 PagesNew York have been contacted via email and by attempted phone contact. At this moment there has been one returned email from the EWGA( Executive Women s Golf Association). They have stated it is possible to advertise on their website which is annotated in the New York folder labeled EWGA Sponsor Opportunities and in the Appendix Email 1 Magazines In the folder Labeled New York there is another folder called PDF US Advertising files. These files contain all the information the magazinesRead MoreHbr When Your Core Business Is Dying74686 Words   |  299 Pageson a common theme. The articles include full-text Harvard Business Review articles plus a summary of key ideas and company examples to help busy managers quickly absorb and apply the concepts. Each OnPoint enhanced article also includes an annotated bibliography. ORDER BACK ISSUES TODAY www.onpointhbr.org Harvard Business Review OnPoint Executive Edition is published quarterly and available only at select newsstands and on our website. It is not available by subscription. WWW.ONPOINTHBR.ORG

Big Data Big Reward Essay - 687 Words

Big data, Big rewards 1.Describe the kinds of big data collected by the organizations described in this case. There are mainly three kinds of big data collected by the organizations described in this case. First, IBM Bigsheets help the British Library to handle with huge quantities of data and extract the useful knowledge. Second, State and federal law enforcement agencies are analyzing big data to discover hidden patterns in criminal activity. The Real Time Crime Center data warehouse contains millions of data points on city crime and criminals. Third, Vestas implemented a solution consisting of IBM InfoSphere BigInsights software running on a high-performance IBM System x iDataPlex server. 2. List and describe the business†¦show more content†¦Third, take Vestas as an example, location data are important to it so that it can accurately place its turbines for optimal wind power generation. Due to IBM BigSheets, it can process large amounts of data quickly and efficiently. Additionally, The search capabilities of system which IBM and NYPD worked together to create allow the NYPD to quickly obtain data from any of these data sources. It is more efficient than before. Last but not least, IBM InfoSphere BigInsights software helps Vestas to save development time for a turbine site and enabling Vestas customers to achieve a return on investment much more quickly. And using big data, Hertz’s performance is enhances and customer’ s satisfaction is increased. 4. Identify three decisions that were improved by using big data. IBM BigSheets help the British Library Website to archive millions of Web pages, and present analytics tools extract useful knowledge from vast amount of data. Criminals and criminal organizations are increasingly using the Internet to coordinate and perpetrate their crimes. New tools allow agencies to analyze data from a wide array of sources and apply analytics to predict future crime patterns. By using IBM InfoSphere BigInsight software, Vestas increases the size of its wind library and is able manage and analyze location and weather data with models that are much more powerful and precise. 5. What kinds of organizations are most likely to need big data management andShow MoreRelatedBenefits Of Credit Unions And A Credit Union1597 Words   |  7 Pagesunions are a non-profit organization that targets new members by offering lower rates and fees, and higher paying dividends. Although members are sold to the idea of not paying a lot of interest or fees, they face minimal benefits when it comes to rewards with a credit card or resources to services through online banking, etc. The purpose of this report is to determine and analyze the pros and cons of the credit union’s system structure and to propose suggestions on how to bring in more business. Read MoreEssay On How To Reduce Health Care836 Words   |  4 Pagesinsurance companies, Medicare and Medicaid are starting to base reimbursement of value based incentives. The Affordable Care Act contain provisions to encourage the development and testing of outcome delivery models. Some payers are also are starting to reward pharmaceutical companies by basing reimbursements of drug effectiveness \cite{www-google-McKinsey}. Systems that have been adopted to date include: patient centered medical homes, episode based payments, global payments, shared savings programsRead MoreAdvantages and Disadvantages of Big Data Essay584 Words   |  3 PagesAdvantages and Disadvantages of Big Data All new innovations have their advantages and disadvantages, and big data is no different. There are plenty of positive reasons for companies to adopt the new technology, but these rewards do come with some negative side effects. The main advantages of big data include the increased speed, capacity, and scalability of the storage as well being able to manage this information more effectively. By using cloud storage, computing capabilities have increasedRead MoreAnalysis : Mastercard International, Visa Inc.1038 Words   |  5 PagesLikewise, MasterCard partners with its clienteles create customized allegiance programs and reward solutions to provide incentives for cardholders to utilize MasterCard to make purchases. What is the approximate amount of meta-data being stored, how is it accessed, and who benefits from this data? Over the past 20 years, MasterCard invested in a data warehouse that presently contains over 10 Petabytes of data for its daily operations [3]: †¢ Over 1.9 billion credit cards worldwide with over 65 billionRead MorePerception Of Perception And Presentation995 Words   |  4 Pagestasks/rewards, etc. to subordinates? I completely agree with the quote â€Å"perception is reality†. The Oxford Dictionary definition of reality: â€Å"a thing that is actually experienced or seen†. Reality is based on experiences and personality which shape perception. Perception creates algorithms for the brain to filter, as well as contextualize, data. When receiving data, the brain uses filters the data using reference points based on previous experiences to interpret, understand, and store data. The sameRead MoreAnalyzing How Big Data Analytics Is Used For Today s Data Driven World Essay948 Words   |  4 Pagestroduction Every day, we produce 2.5 quintillion bytes of data. 90% of all data in the world was produced in the past two years. Data has been around forever; we have always gathered information. Paleolithic cavemen recorded their activities by carving them in stone or notching them in sticks. Egyptians used hieroglyphics to record significant events in history. The Library of Alexandria was home to half-a-million scrolls of the ancient world. Less than hundred years ago, we used punch cards toRead MoreAnalyzing Big Data Has Been Integrated Into Society1046 Words   |  5 Pages Now imagine this store compiling the data of what all of their customers buy and correlating it with personal information gleaned from rewards cards or surveys. After amassing these large amounts of data, companies can become masterminds in predictive analytics. According to Naked Statistics, Target can even predict when someone is pregnant based upon what they buy in the previous months (CITE). This collecting of larg e amounts of data and use of said data to find correlations between, for exampleRead MoreAdvertising Influences And Growth Of Advertising1731 Words   |  7 Pagesadvertisements appear on free games or applications that the user has on their phones and a valid solution to this problem is in-game rewards. The advertisement industry gets bigger each day and in-game advertisements are getting more adaptive to the user’s preferences. Many developers are making it their mission to give equal advantage to the user to earn some in-game rewards for watching their advertisement while they play their favorite game on their smart phones. Advertising can be described in manyRead MoreAnalysis Of Big Data, Data Mining, And Data Analytics Essay1080 Words   |  5 Pagesto get the most accurate consumer data to create advertising and marketing plans. Today marketing is more personalized, immediate, and accurate than it ever has been before. The gathering and organizing of this data into useful insights is something that has interested me for quite some time. After I earn my degree, I would love to work for a company helping analyze and sort their market data either through consulting or in house work. Taking thousands of data bits to find patterns in consumerRead MoreBig Data And Its Privacy Issues1452 Words   |  6 Pages BIG DATA AND ITS PRIVACY ISSUES BY KAVITA AMIT KUMAR â€Æ' Abstract: With growing technology and globalization, the volume of data is increasing day by day. Big Data world is drowning in data that is generated every day. Big Data provides us with valuable data and this in turn raise concerns how to maintain this data. Think about your daily data footprint. Say for example your every action on web is being monitored like website you visit, queries you make through search engine, all type of transaction

Research Proposal. Overview of Education Industry Free Essays

string(119) " are taking place to make India’s higher education a socially and economically viable option in a competitive world\." A survey among students (both before and after) and parents about their preferred educational loan provider, and reasons thereof. A comparative study of features and procedures of education loans of SBI and its main competitor in the city Acknowledgement * I would like to acknowledge the Opportunity provided to me by SBI to undertake this project. Through this project I got to knew many ground realities of the market. We will write a custom essay sample on Research Proposal. Overview of Education Industry or any similar topic only for you Order Now Table of Content | Content| Page No. | 1. | Executive Summary| 1| 2. | Overview of Education Industry| 2| | Education Funding and National Growth| 4| 3. Overview of Education Loan Industry| 5| 4. | RESEARCH METHODOLOGY| 6| | RESEARCH STATEMENT| 6| | RESEARCH OBJECTIVE| 6| | RESEARCH DESIGN| 7| | SAMPLE SIZE| 7| | SAMPLING TECHNIQUE| 7| | TOOLS FOR DATA COLLECTION| 8| | TOOLS FOR DATA ANALYSIS| 8| 5. | SCOPE OF THE STUDY| 9| 6. | LIMITATIONS OF THE STUDY| 10| 7. | Statistical Analysis of Survey| 11-18| 8. | Findings of the Survey | 19| 9. | comparative study of features and procedures of education loans of SBI and its main competitor| 20-37| 10. | Findings of the Comparative Study| 39| 11. | reccomendations| 40-41| Annex. | Bibliography Questionaaire| Executive Summary Education is central to the Human Resources Development and empowerment in any country. National and State level policies are framed to ensure that this basic need of the population is met through appropriate public and private sector initiatives. While government endeavours to provide primary education to all on a universal basis, higher education is progressively moving into the domain of private sector. With a gradual reduction in government subsidies higher education is getting more and more costly and hence the need for institutional funding in this area. Education Loan industry is growing with 53. 51% CAGR and Commercial banks are gearing up to meet this need and has already developed several products to cater the need of Indian Citizens still lots of things to be done. With the implementation of Govt Policies and advent of private Banks and NBFC this segment has seen several changes over the period of time. Still SBI the financial mammoth of the Country is in Numero Uno position when it comes to funding this Sector. No Other Banks whether private or public or any NBFC is near to it in quantum and number of finance. As Per RBI Website Other significant Player in Education loan Market are Punjab National Bank, Bank of India and Bank of Baroda etc. Overview of Education Industry India has a fairly large and diversified education system. Its billion-plus population consists of a higher proportion of children and young individuals, especially in the age group of 6-24 years, which is the most prospective age group in terms of academic inclinations. This age group accounts for more than one-third of the India’s population. According to the National Knowledge Commission, for the first time in this decade, the total number of illiterates decreased from 329 million to 304 million. The literacy rate also increased from 18. 3% in 1951 to 67. 3% in 2004, as per HRD statistics. The National Literacy Mission aims at achieving 85% literacy at the end of the Eleventh 5-year plan (2007-2012). In order to achieve higher literacy rates, the government has been initiating programmes such as the Sarva Shiksha Abhiyan, which aims at achieving universal elementary education of satisfactory quality by 2010. Furthermore, the development of an Educational Development Index (EDI) for elementary education is perceived as a significant step towards imparting quality education. The country’s present education system comprises elementary (primary: class I – V and upper primary: classes VI – VIII), secondary (high school: class IX – XII) and higher / tertiary education (post-class XII), which consists of undergraduate, post graduate and professional degree and diploma courses. Steady growth in overall student enrolment Higher education in India has scaled up gradually from 20 universities and 500 colleges at the time of independence to 416 universities and 20,677 colleges (including 2,166 women’s colleges) currently. These comprise of 251 state universities, 24 central universities, 103 deemed universities, 5 institutions established under state legislations and 33 institutes of national importance established by central legislation. At the start of the academic year 2007-08, the total number of students enrolled for higher education stood at 11. million; of which 12. 94% were enrolled in university departments and 87. 06% in affiliated colleges. More than 80% of the students are enrolled in three faculties of arts, science and commerce/management whereas the rest are enrolled in professional courses with the highest percentage in engineering and technology followed by medical sciences. It is interesting to note that in India, where agriculture and allied constituents play a critical role in economic development, student enrolment in agricultural courses accounts for around only 0. %. Enrolment of female students grew phenomenally from less than 10% of total enrolment during independence to around 40% in 2005-06. Likewise, the number of women colleges also increased in the last decade from 1,146 to 1,902 in 2005-06. The faculty of arts accounted for more than 50% of the total female student enrolments. Kerala, Goa and Punjab were the three top states in terms of female student enrolment and their respective female student enrolments in the total enrolments were 61%, 59. 2%, and 51. 7%. India has the largest number of academic institutions in the world in terms of higher education and is the third in the world in terms of enrolment, after China and the US. However, only 7% in the age group of 18-24 enrol for higher education in India and this is only one-half of Asia’s average. On a brighter note, however, enrolments have been increasing steadily in higher education in the past 2 decades from 3. 4 million in 1984-85 to 11. 03 million in 2005-06. In addition to a medium of livelihood, higher education is also now regarded as an instrument of infrastructure for social and economic change. Fundamental policy changes at the grassroots level in issues pertaining to curriculum, infrastructure, governance, and funding are taking place to make India’s higher education a socially and economically viable option in a competitive world. You read "Research Proposal. Overview of Education Industry" in category "Essay examples" Factors such as e-learning, distance education, public private partnerships coupled with international collaborations and exchange programmes are changing the face of higher education in India. The higher education system in India has changed its unidirectional approach and is slowly transitioning into producing professionals with better quality education. Traditional programmes are adopting innovative measures to encourage enrolment and institutes are promoting research based practices. Efforts are being made to move from the theoretical base to a more ‘real-world’ and career-oriented approach. On the flip side, India’s education system continues to grapple with deficiencies such as a rigid system, lack of funding, inadequate infrastructure, demand supply gaps, urban-rural divide, and scarcity of skilled manpower. Education Funding and National Growth Favourable demographic and income trends in terms of salaries, savings, and expenditure are expected to act as catalysts in boosting higher education. During 2000-07, household sector savings and per capita income grew at a CAGR of by 13% and 9%, respectively, and the gross national disposable income grew by around 11%. Likewise, consumer spending patterns in pursuing education has also magnified in the last couple of years as people’s willingness to invest in education has increased to a large scale. Education is now perceived as a safe, long-term investment rather than a means to sustain oneself. The 300-million-strong middle class consumer base considers education as a part of their basic necessities for securing their children’s future. According to the Central Statistical Organisation (CSO) and the Ministry of Statistics and Programme Implementation, the total private final consumption expenditure (at current prices) in the domestic market grew at a CAGR of 9% during 1999-2000 to 2006-07. During the same time, the private final consumption expenditure (at current prices) on education grew at a CAGR of 13%. The share on educational activities as a part of the total private final consumption expenditure rose from 1. % in 1999-2000 to 2. 4% in 2006-07. At a macro level, the direct relation between education spending and economic growth reveals a healthy outlook for India’s education system but at a micro level it reveals disparities in levels of acquiring higher education between urban and rural areas. According to the Central Advisory Board of Education’ s (CABE) report on financing of higher and technical education released in 2005, population with higher education is directly proportionate to household economic status in rural as well as urban areas. In the bottom quintile (monthly per capita consumption expenditure quintile), only 1% of the population has higher education and the ratio steadily climbs to above 10% in the richest quintile. The disparity between rural and urban areas is highlighted when this ratio between the top and bottom quintiles increases by 7% in rural areas and 15% in urban areas. Furthermore, among every 1,000 persons, urban regions have around 11. 0% college graduates or above, whereas rural areas have only 1. 6%. Overview of Education Loan Industry Education loans are already considered to be a component of the priority sector advances and further growth of this portfolio is expected once Basel II norms are implemented from Mar 2009 for domestic banks. According to the Basel II framework, educational loans would no longer be treated as a part of consumer credit but shall be considered as a component of the regulatory retail portfolio with the risk weight lowered from the current 125% to 75%. Consequently the chances of banks cutting down on the interest rates of these loans seem to increase in the near future. Hurdles arising due to inability of providing collateral security soon might be a thing of the past if the proposed Higher Education Loan Guarantee Authority (HELGA) scheme for the under privileged students comes through. The scheme intends to facilitate the education loan process by providing collateral security by the Government of India (GOI). At the same time, since more than 70% of the higher education budget is met via state expenditure, this scheme is expected to increase the Centre’s role in higher education areas. As there is a established relationship between the education and economic and social progress of country and there is direct relationship in education funding and growth in education. Under the Instruction of the Govt Of India and Based on recommendations made by a Study Group, IBA had prepared a Model Educational Loan Scheme in the year 2001 which was advised to banks for implementation by Reserve Bank of India vide circular No. RPCD. PLNFS. BC. NO. 83/06. 12. 05/2000-01 dated April 28, 2001 along with certain modifications suggested by the Government of India. This Model Loan Scheme forms the basis of education loan product of all the banks and all the banks has implemented the scheme it toto. However a few Banks like SBI, Bank Of Baroda and a few other banks has gone far and have added some more facilities in their Loan Products. A few NBFC like HDFC Credila has also joined the Education Loan industry and growing aggressively in this market. These are NBFC who are only financing Education Loan and as they are not covered by the IBA guidelines they are free to expand the business as per their style. RESEARCH METHODOLOGY To meet the essentials of the project, the presents study was undertaken at Pune City. The methodology of the study mainly consists of target population, sampling design, tools and methods of data collection, analysis and interpretation of data and the aims and objectives of the study. RESEARCH STATEMENT To find out the preferred education loan provider in Pune city and reason thereof and make a comparative study of features and procedures of education loans of SBI and its main competitor in the city. RESEARCH OBJECTIVE The objectives of the research study are the following: The principal objective of the project / research is to find the preferred education loan provider and why the same has been preferred by students and their parents/guardian * To study the reasons of preferences. * To thoroughly analyses the attitude of the people involved in deciding the preferred education loan provider and their opinion about their preferred education loan provider. * To find out the main comp etitor of SBI in Pune. * Make a comparative study of product and features between SBI and its main competitor. RESEARCH DESIGN It is the blue print or the conceptual structure within which the research was conducted. At the outset, the project / research topic was chosen from the given list for the project and then the study is done on the project titled â€Å"A survey among students (both before and after) and parents about their preferred educational loan provider, and reasons thereof. A comparative study of features and procedures of education loans of SBI and its main competitor in the city Hence, the type of data that is required for the study and where to look for it is identified. Here data collection is the main and the foremost methodology of the study. The technique of data collection that will be used is decided then the data that is required for the purpose of the study is collected from both the primary and as well as the secondary sources. The sample size and sampling technique are then decided upon in order to carry out the survey in consultation with the mentor ( S G Kamble) at SBLC Pune . Then the time period or the duration of the study under taken is finalized. SAMPLE SIZE The sample size representing the number of respondents was 200. SAMPLING TECHNIQUE For the purpose of data collection, the researcher has to rely upon the deliberate or random sampling method data collection, which is very comprehensive for the study. TOOLS FOR DATA COLLECTION Data collection is the main and the foremost methodology of the study. Data has been collected for the purpose of the study from both primary and secondary sources. I. PRIMARY SOURCE: – The primary sources of data were the students and parents applied/availed educational loan. For the purpose of the collection of a primary data, a questionnaire was designed to assess the preferences of the respondent and factors behind them. II. SECONDARY DATA: – Information and data were also collected from the website of the target Banks. Apart from this disguised visit was also made to target Banks to understand the complete picture. The information so obtained from both the sources are thoroughly analyzed and then tabulated mathematically to arrive at the conclusion. TOOLS FOR DATA ANALYSIS The following tools of data collection have proven to be reliable for the collection of primary data. The primary tools that were used in the collection of data were observation and questionnaire schedule. Firstly, how many questions were to be asked are specified and it was decided that every respondent would be individually approached. The respondents were assured that the information given by them would be kept confidential and shall be used for academic purposes only. The researcher clarified all the doubts of the respondent and the researcher. After the completion of the survey, the findings were analyzed. Whatever data was collected, was thoroughly checked, verified and corrected. Wherever it was found necessary or essential, some modifications were done. Priority was given to the attainment of the research objectives. The completion of the responses of the total number of employees surveyed was made and presented in the form of tabulation which is generally based on the computation of various percentages for the responses given in order to reach at the conclusio SCOPE OF THE STUDY The present study has been focused towards studying the education loan products of various education loan provider. The present study was conducted in the Pune itself. The main motive of study was to find out the best education loan provider or say most preferred education loan provider on the basis of survey conducted among existing and proposed client of SBI and other Banks in education loan segment in Pune. Further a study was also made and a comparison has been mad among the SBI and its main competitors in Pune. Therefore, in every sense, the features and procedures of main competitors of SBI has been comprehensively covered under the present study and has been validated by the survey made among the respondent. LIMITATIONS OF THE STUDY There are certain limitations of this research which are as follows:- 1. The first and foremost limitation of the study is the paucity of time. The project was supposed to be completed within a scheduled time. The primary limitation of the study is that it was to be completed within the limited time available. As the researcher was involved in his day to day work it was very hard to personally collect all the data from the respondents as it is not possible to investigate and gather all the required information about each and every aspect of the product, features and procedures within a short span of time. . Another limitation of the study was the paucity of monetary resources and it was not possible to personally meet each and every respondent which is a costly and time consuming affair hence telephonic conversation was made with many existing clients of the SBI and students/parents. 3. Due to above said reason limited visit were also made to competitors office and information provid e on website of competitors has been relied upon. 4. In spite of all these difficulties and shortcomings, efforts were made to extract as much information as possible in order to make an analytical study of the assigned subject, maintaining thus whatever validity and reliability was possible to be maintained. Statistical Analysis of Survey Type of Course Type of Course| Percentage| Course Taken in India| 82| Course Taken Abroad| 18| 82% of the respondent has either applied or availed loan for the Study in India while 18% of the Respondent has applied or availed loan for study abroad. Quantum of Loan Applied Quantum Of Loan Applied| Percentage| Up to 4 Lakh| 54| Above 4 Lakh and upto 7. 5 Lakh| 22| Above 7. 5 Lakh| 24| 54% of the Respondent has either applied or availed loan upto 4 Lac while 22% of the respondent has applied for a loan between 4 to 7. 5 Lac and 24% of the respondent applied for a loan above 7. 5 Lacs. Availability of Tie up Availability of Tie up| Percentage| Tie Up Available| 24| Tie Up Not Available| 76| 24 % of the respondent has replied that their college has a tie up with any education loan provider Impact of Tie Up Impact of Tie Up| Percentage| Decisive Impact| 72| Non Decisive | 28| In the cases where tie up is available in 72% cases respondent feels that tie up makes a decisive factor while choosing the education loan provider. Preferred First Education Loan Provider Bank| Percentage| SBI| 34| HDFC Credila| 15| BOI| 7| BOB| 6| PNB| 9| BOM| 6| Others| 23| As per survey it has been found that 34% of respondent has chosen SBI as their first choice to take a education loan. Surprisingly HDFC Credila has emerged as the second choice of respondents to take a education loan. Preferred Education Loan Provider as per Top 5 Choice Bank| Percentage| SBI| 80| HDFC Credila| 34| BOI| 30| BOB| 25| PNB| 20| From Survey it has observed that SBI is still the undisputed leader in Education Loan Market as 80% of the respondent has voted SBI as one of their top 5 choice to take a education loan. Other banks are no where near to SBI in customer’s choice. Primary Reason of Preference Primary Reason of Preference| Percentage| Tie up with college| 15%| Existing relationship with Bank| 14%| Less requirement of Documents and formalities| 17%| Interest rate| 6%| Staff Support| 10%| Clarity of policies and terms and condition| 8%| Time taken while processing of application| 17%| others| 15%| Above chart represents the factors which a Respondent looks after as their first ad foremost reason of choosing a education loan provider. There is not a single dominating factor. However Time taken for processing, existing relationship and Tie up with the college are the significant factors. Top 5 Reasons of Preferences Top 5 Reasons of Preferences| PERCENTAGE| Existing relationship with Bank| 60%| Time taken while processing of application| 55%| Less requirement of Documents and formalities| 50%| Staff Support| 40%| Tie up with college| 35%| Clarity of policies and terms and condition| 35%| Interest rate| 30%| From Survey it is evident that Existing relationship with the Bank creates a great recall value in customer’s mind while looking for a education loan as 60% of the respondent has chosen the existing relationship as one of the top 5 factors which effects their decision of choosing the Education loan provider. Time Taken while processing of application and less requirements of documents and formalities are also other two major factors Findings of the Survey On the Basis of study of Questionnaires and interactions with the Respondents following facts have been observed: 1. SBI is undisputed market leader in Education loan Market and Most Preferred Banker among respondent. 2. Respondent has preferred SBI over other Education Loan provider due to Various reason which includes Existing relationship, Transparency, Trust etc. 3. It has been communicated to the Researcher by the Respondent who has either taken loan from SBI or approached SBI for loan that their experience with SBI could have been improved. . It has also been observed that Respondent who has got the admission in the college where tie up is available; it has made a decisive factor while taking the decision of the preferred education loan provider. 5. Respondent gave higher weightage to their Existing relationship with the Bank, Tie up with the college, Time Taken for processing the loan, Less documentation and formalities, staff support etc instead of Interest rate, coverage of course, processing fees and other factors. . Presence of Private Banks in education loan is negligible Only HDFC Credila which is a NBFC ad only deals in Education loan has shown a aggressive presence in Pune region. 7. The main reasons of Respondent preferring HDFC Credila are availability of preapproved loan and Tie Up with the college with door step services. 8. During this Survey HDFC Credila, Bank of India, Bank of Baroda and Punjab National Bank has emerged as the main competitor of SBI in Pune Region. A comparative study of features and procedures of education loans of SBI and its competitors As During the Survey HDFC Credila, Bank of India, Bank of Baroda and Punjab National Bank has emerged as the main competitor of SBI in Pune Region, a comparative study of features and procedures of education loans of SBI and these competitors has been A Comparative study is not possible unless there are some qualitative and quantitatative factors are shortlisted on the basis of which a comparative study could be made. Hence we have shortlisted following factors on the basis of which comparison has been made and comparative rating has been provided. 1. Eligible Courses: 2. Student Eligibility 3. Eligibility Expenses 4. Tenure of Loan 5. Paper Documents required 6. Maximum loan 7. Margin 8. Security 9. Guarantor required 10. Interest 11. Mototarium 12. Processing Fees 13. Prepayment penalty 14. Others | | | HDFC Credila| | Eligibility| * Borrower must be an Indian citizen * Co-borrower must be an Indian citizen * Borrower must be 18 years of age or older * Co-borrower must have a bank account in any bank in India with check writing facilities * Confirmed admission in the colleges before disbursement * Borrower and Co-borrower to meet Credila’s underwriting criteria | Co-borrower Requirement| The loan will be co-signed by a co-borrower in India * A co-borrower is mandatory for all the student loans * The co-borrower can be parent, brother, sister, guardian, or any other relative * Co-borrowerà ¢â‚¬â„¢s role would be, necessarily, like the primary debtor | What Costs Are Covered? | * All of the tuition fees as determined by the college/University * Up to 75% of other expenses including living expenses, books, etc. as determined by the college/University * Up to INR 50,000 for travel to abroad from India, if applicable | | | | Loan Amount| | Minimum Loan Amount * Indian Rupees 1,00,000Lifetime Maximum Loan Amount * Indian Rupees 20,00,000 | Rate Of Interest| * Rate of interest will be floating rate of interest linked to Credila’s Benchmark Lending Rate (CBLR) * The floating interest rate will calculated monthly based on the prevailing CBLR at the beginning of the month * The interest will be calculated using Simple Interest Rate * Floating rate of interest to be Credila’s CBLR + 1. 00% per annum | Loan Disbursement| The loan amount will be disbursed in Indian Rupees * Credila’s servicer will disburse the tuition fee directly to the educational institute * The tuition fee will be disbursed in installment as per the requirement of the specific educational institute * The loan amount related to other expenses will be disbursed in installments spread over the duration of the study | Loan Re-payment Terms| * Loan Interest Re-payment 1. Loan interest re-payment will start immediately after disbursement of the first installment of the loan * Loan Principal Amount Re-payments must commence 2. After 6 months of completion of studies by the borrower or 3. 3 month after borrower getting an employment or starting a business or 4. 3 month after borrower discontinuing the educational program, whichever is earlier. * The principal and interest is repayable in 90 monthly installments * Monthly repayment amount will be deducted from the bank account of the borrower/co-borrower using Electronic Clearing System (ECS) * Post Dated Checks (PDC) to be collected as security cheques from the borrower/co-borrowers | Collateral| The following types of collateral are accepted 9. Non-Agricultural Land 10. House 11. Apartment/Flat 12. A life insurance policy for the student, assigned in favor of Credila, for the value of at least the amount of loan approved * | Process:| | 1. Student: To complete Credila’s online Education Loan Application Form 2. Credila: To follow-up with the student parents to answer questions 3. Credila: Representative visits your house collects signed applicatio n form with the supporting documents 4. Student: To provide a completed Education Loan Application form with all the required supporting documents 5. Note: Students can apply to Credila for Education Loan even before confirmed admission or Form I-20 or before Visa 6. Credila: Credit team to review underwrite the Education Loan application 7. Credila: To approve the education loan or ask for any additional information required 8. Student: To complete the education loan disbursment formalities by signing the education loan agreement 9. Credila: The education loan amount is deposited in the required bank account electronically | Documents:| | | 1. Fully Completed and Signed Application Form| * | 2. Two Passport Size Photos – Applicant and Co-Applicant| * One set to be pasted on the Application Form and second set to be affixed (stapled) to the Application Form | 3. Photo ID – Applicant and Co-Applicant (Any one of the following)| * PAN Card * Passport * Driving License * Voters ID * Employee ID * Photo ID issue d by the Central Govt. or State Govt. * Bankers Verification/ Bank Passbook with photograph of account holder attested by bank | 4. Residence Proof – Applicant and Co-Applicant (Any one of the following)| * Passport With Address * Bank Statement With Address * Driver’s License with Address * Utility Bill (Not older than 3 months) * Telephone Bill (Not older than 3 months) * Ration card * Latest LIC Premium Receipt (Not older than 3 months) * Leave and License Agreement supported with an address proof / utility bill in the name of the landlord * Voter’s ID card | 5. Academic Documents of Student| * Marksheet/Certificate of 12th Exam * Marksheet/Certificate of Subsequent Years of Education e. g. BE, BCom, BSc, etc. * Marksheet of Any Entrance Exam Taken e. g. CAT, CET, etc. (If applicable) * GRE/GMAT/TOFEL/LETS, etc Marksheets For US Applicant * Scholarship Documents (if applicable) | 6. Proof Of Admission (If available)| * Printed Admission Letter From the Institute on its Letterhead With Institute’s Address * I-20 Form for the USA Applicant | 7. Last 8 Months Bank Statements of Co-Applicant (If more than one bank account, provide copies of all) Make sure to include the bank statements of the Bank Account where Salary or Business/ Professional receipts are credited every month. |   | 8. Income Proof of Co-Applicant | * In case of Salaried Employee (All the following) * Latest 3 Salary Slips or Salary Certificate on Employer’s Letterhead * Last 2 year’s Form 16 from Employer or Last 2 Year’s Income Tax Returns * Any Other Income Proof That is Not Reflected in the Above Documents * In case of Self Employed or Professional (All the following) * Last 2 Year’s Income Tax Returns * Last 2 Year’s Certified Financial Statements or Provisional Financial Statements Duly Certified by CA * Proof Of Office (any one of the following, Lease Deed, Utility Bill, Title Deed, etc. * Any Other Income Proof That is Not Reflected in the Above Documents |   | | | | 9. If, Collateral – Life Insurance Policy (All the Following)| * Copy of the Life Insurance Policy * Copy of the Most Current Insurance Premium Receipt | 10. If, Collateral – Immovable Property (Flat, House, Non-Agriculture Land) (All the Relevant Documents from the Following L ist)| * Property Title Deed * 7 / 12 extracts in case of land * Registered Sale Agreement Along With Society Share Certificate * Original Registration receipt for the above agreement * Allotment Letter By Municipal Corporation / Authorized Govt. Authority Like MHADA, CIDCO, etc. * Commencement Certificate from Municipal Corporation/Council * Previous Chain of Sale Deed establishing title * Any other document as prescribed by our empanelled lawyers or chartered engineers from time to time | 11. All the copies of the above provided documents should be self-attested|   | | | How to cite Research Proposal. Overview of Education Industry, Essays

His first ball free essay sample

Wharepapa receives an invitation from the governor-general to their flash party. The reason behind me choosing the idea of Cultural Difference is because Tuta is a Maori boy and the governor-general is pakehas, so there is a lot of difference between a Pakehas and Maori apart from being human. The style, living, eating, drinking, manners and communicating skills are all going to be new and different to Tuta than his. He felt like his going to be left out and won’t have real fun because the government house and the people who are invited and are going to be so professional and well mannered, Tuta hesitated and got confused he didn’t whether to go to this party or not but than Tuta’s mother steps in and forces him to go because if he doesn’t go that be disrespectful towards the government house she said ‘’I had to it was too late to send back the invitation’’. He has to follow etiquette, which he disliked. QUESTION: 2 – How do you relate to a character/event/idea/setting in this text? Give your personal opinion of this character and reflect on why you think this: My personal opinion on this the short story, ‘’His First Bal’’ Is Cultural difference. Cultural differences are actually not a big deal, which makes it a big deal is the people themselves. Tuta is a free , enjoying and open person he doesn’t know what table manners are he doesn’t know what professional means cause he only know how to enjoy life openly. When he gets an invitation from the government house people around Tuta suggested him that he has to put his maori behaviour aside for a day and act like gentle man and act professional and bring in the maturity in him so this mean the way he sits and eat ‘’you sit down here and do what I do. Now take up the spoon. No not that one, that one, that’s for your soup, that’s for the first course’’. This is how much Tuta struggled to fit in to Pakehas surrounding and behaviour. Tuta wasn’t comfortable on what he was being put through because that wasn’t him but still he had to put all his uncomfortableness aside and keep up with the pakehas standard which was really difficult for him to cope. If I was put in to Tuta’s shoe I would have been in the same position or even worse because as for me I like to be myself rather than being fake and act plastic. I would like to be who iam not who people want me to be and that’s what Tuta Wharepapa was trying to explain to her mother and others but unfortunately he failed and had to keep it up with what he was told to. The point here is just being yourself people have to except you as you are. QUESTION: 3 Explain in detail how and how this text teachers you something about yourself/society/human nature/our world( historical or present day). What do you think is the writer/director’s purpose? ANSWER- The short story ‘’HIS FIRST BALL’’ actually teachers me a lot and by that I mean about culture and racism. This goes to everyone in the society, human nature and our world. How they pronounced Tuta’s name ‘MR SHIT’ that goes toward racism, because Tuta Wharepapa is a Maori name is it is difficult for pakeha’s to pronounce. I can relate to Tuta’s feelings because my name sounds easy but when someone’s reads out my name it’s hard for them to get the words right I don’t blame them for this even I do make mistakes getting the names right, that’s what happened to Tuta. The purpose of the director behind writing this short story. ‘’His First Ball’’ was to saw how and what are the difference between the two cultures are (maori and pakeha’s) . ow a maori boy Tuta Wharepapa was picked randomly and was invited to a party at government house , in this journey Tuta had to face some difficulty coping with the rules and regulation due to being a maori boy Tuta didn’t really liked the rules and regulation cause he was young wild and free He didn’t had fun but still he made the effort to stay back the party till it finishes it on that night he meets a girl who’s not enjoying the party as much as he’s not he goes up to her and made a convocation and they became friends and the party wasn’t that bad at all.. So what the write was trying to prove over here was that no matter what culture we all are in some point of time we have to face some difficulties and go through them , we have to step up stand out of our comfort zone and give it a go at something new and experience in Tuta’s case he had to experience new culture and manners and get to know how pakehas life are and get to meet new people and make new friends. QUESTION:4 –Why do toy recommend this text? add more details to your answer to question 3/ link to your experience and knowledge of the wider world in and insightful way by looking at a range of different ideas and context/connect, compare and contrast to other text you have read and/ or viewed ) I recommend this short story ‘’His First Ball’’ because the writer placed an interesting concept in front of us what his main idea concept was behind writing this short story and making sure it reaches out to people and communities. I really enjo yed reading this short story throughout the story I got to experience heaps which I wasn’t aware of. As learning about new culture and communities is not an easy task I have experience this as well in my life coming to New Zealand and living the life of a maori wasn’t actually a easy thing for a new comer and the expectations are always high from people but what wasn’t the deal but learned and gaining the knowledge about the maori culture was a hard thing for me their language and the way they pronounce words was difficult for me but as time went pass I get to know and learn heaps about cultures in New Zealand. That’s what happened with Tuta but he made through it and cooperated with the pakehas and their culture and manners , he did face some difficulties like when the man on the hall-way counter asks Tuta his name ‘’your name’’ after Tuta introduces himself the old man says ‘’Tuta Tookypocker’’, in Maori Tookypocker means ‘’shit’’ which was really inappropriate but then it wasn’t really the man’s fault as the old man introduces Tuta everybody in the hall including the governor-general dressed Tuta as ‘’Mr Tuta Tookypocker’’. I still remember in I once learnt in history that back in the days white people were so against black/brown people that they couldn’t stand seeing black/brown peoples face around their community. One day a guy name Nelson Mandela walked in to everyone’s life and changed the way of thinking and he did this by becoming the black president which changed peoples thought and it got easier on the brown/black people slowly as time pass by people got comfortable living around each other which leads us to this generation where everyone is well warmed by each-other. Racism is not the answer to everything, everyone deserves to be treated equal and given the same respect as others. Colour doesn’t makes any different after all we are all humans with the same feelings. I would say that people who still walking in the old path and carries racism along them needs to learn from kids and does not tend to have self-respect. ‘’ You should learn to respect yourself first then you will be able to respect others in your life. Once said by a legend.