Impact of Agriculture Credit on Agriculture Productivity

Impact of Agriculture Credit on Agriculture Productivity ABSTRACT Impact of agriculture credit on agriculture productivity. Agriculture plays vital role in Pakistans economy. It is the single largest sector and it is principal driving force for growth and development of the national economy of Pakistan. Agriculture credit plays vital role for increasing the efficiency of this sector. Timely and adequate availability of credit enables the farmers to purchase the required inputs and machinery for carrying out farm operations. There are two dimensions of this research first are measuring the impact of credit on development efficiency and second is measuring impact of credit on production efficiency. Regression model was used to determine the impact in both dimensions data collected from State Bank of Pakistan for analysis the results concluded that there is a positive relationship between agriculture credit and both development and production efficiency but not up to much extent that is required there is a minor impact on farm yield and productions le vels by agriculture credit the reasons can be credit policies timings of providing credit and can be not providing credit effectively where it is needed most. INTRODUCTION Agriculture plays an important role in Pakistans economy. It is the single largest sector and it is principal driving force for growth and development of the national economy of Pakistan. Agriculture and Livestock accounted for 23.1 per cent of the GDP in 2004-05. It employs 43.1 per cent of the labor force, provides livelihood to 68 per cent of the countrys population living in rural areas, and contributes 60 per cent share in export earnings from processed and un-processed agricultural products. Major industries like textile and sugar are agriculture based sectors. The rate of growth for agriculture sector is 4% in the past two decades, contributing significantly to overall economic growth, food supplies and exports. Although the share of agriculture in the GDP has declined over the years, in line with Development of other sectors such as industry, infrastructure, services, etc., it still remains the leading sector of the economy. The future policies in agriculture have been focused on attaining high growth rates by providing the right policies and institutional support, so that the sector can move forward and enhance its contribution to the economy. Review of Agriculture Sector The agriculture sector grew at an average annual growth rate of 4.5 per cent in the last decade, i.e. 1990s. However in 2000-01 and 2001-02, its performance was badly affected due to persistent drought conditions. It registered a growth rate of (-) 2.2 and (-) 0.1 per cent in 2000-01 and 2001-02, respectively. With subsequent improvement in the availability of Water, it grew by 4.1 per cent and 2.6 per cent in 2002-03 and 2003-04, respectively. In 2003-04, the major crops which account for 34.2 per cent of the agriculture value added grew by 2.8 per cent and minor crops which contribute 12.4 per cent to the agriculture value added, Grew by 1.7 per cent. In 2004-05, the agriculture sector registered an all time high growth of 7.5 per cent due to farmers friendly government policies, favorable weather conditions and Improvement in the availability of water. There was a recorded production around 14.6 million bales of cotton and 21.1 million tones of wheat. The contribution of major and minor crops was 17.3 and 3.1 per cent, respectively. Although the shortage of water affected the performance of crops in 2000-01 and 2001-02, its impact was reduced due to various measures by the farmers on the Recommendation of the Agriculture Departments such as efficient use of canal water, Exploitation of underground water through tube wells, sowing on ridges and better Agronomic and good management practices. The country had achieved self-reliance in wheat. Around 1.036, 1.704 and 0.553 million tones were exported due to build up of wheat stocks, in the years of 2001-02, 2002-03 and 2003-04, correspondingly. However, due to subsequent decline in wheat production, around 1.37 million tones of wheat was imported in 2004-05 to build up reserve stocks and meet domestic requirement. Although availability of water has been a serious constraint, there are other factors also, which are hampering the growth and development of the sector. Some of the factors are: low productivity of crops, inefficient use of water, degradation of land resources (water logging and salinity), imbalance application of fertilizer, inefficient use of agricultural inputs, ineffective transfer of technology to the farmers, lack of coordination between research and extension, post-harvest losses, marketing infrastructure, etc. Inspite of the reasonably performance in the agriculture sector the over all productivity is comparatively low as compare to other agriculture based countries like India for example in study based on comparison of agriculture performance in Indian and Pakistani Punjab it was found that Indian Punjab performed very well as compare to Pakistani Punjab because of the problems in infrastructure lack of mechanization most of these problems arise due to financial constraints these problems can be addressed by emphasizing on credit programs to farms get proper inputs such as production inputs like seeds, fertilizers, pesticides on time so that production efficiency improved and on the other hand development efficiency can be increased by mainly development efficiency is farm efficiency like land leveling, water courses, tractors tube wells these all required proper credit supply so therefore credit is the vital component in the improvement of agriculture efficiency. Agriculture credit role in increasing productivity Credit plays an important role in increasing agricultural productivity. Timely and adequate availability of credit enables the farmers to purchase the required inputs and machinery for carrying out farm operations. The farmers will be facilitated through the one window operation and revolving credit scheme. The one window operation was initiated in 1997 by the ZTBL which has been found quite useful in meeting the farmers credit requirements. Credit is the back bone for any business and more so for agriculture which has traditionally been a nonmonetary activity for the rural population in Pakistan. Agricultural credit is an integral part of the process of modernization of agriculture and commercialization of the rural economy. The introduction of easy and cheap credit is the quickest way for boosting agricultural production. Therefore, it was the prime policy of all the successive governments to meet the credit requirements of the farming community of Pakistan. Agriculture as a sector depends more on credit than any other sector of the economy because of the seasonal variations in the farmers returns and a changing trend from subsistence to commercial farming. How credit improve productivity both production and development or farm efficiency the answer is through the supply of proper credit to farmers they are able to purchase proper amount of fertilizers at the right time purchase pesticides at the right time so the production process will continue without any problems that will increase production efficiency. For development efficiency credit is needed for mechanization, i.e for land leveling water courses, tube wells, tractors and other inputs so credit is needed by farms for the proper availability of theses resource of course without the availability of these resource both production and development efficiency cannot be increased. In some of the studies importance of credit in agriculture stated as According to Shephered (1979) credit determines access to all of the resources on which farmers depend. Consequently, provision of macroeconomic policies and enabling institutional finance for agricultural development has been directed to the provision of infrastructure capable of facilitating agricultural development with a view to enhancing the contribution of the sector in the generation of employment, income and foreign exchange. One of the reasons for the decline in the contribution of agriculture to the economy is lack of a formal national credit policy and paucity of credit institutions, which can assist farmers. Credit or loan able funds is viewed as more than just another resource such as labor, land, equipment and raw materials. Therefore, by injecting capital into agriculture, it is possible to increase the rate of agricultural development since credit has frequently been considered as one of the main factors in overcoming agricultural stagnation that helps to expand farmland size and production. Table 6 shows the figures of amount of credit in billion rupees disbursed by different sources in agriculture sector by analyzing the figures it has been noted that credit for production has more amounts in every year as compare to credit for development loans so therefore the area where government has to focus is how to increase development efficiency (land leveling, water courses, and tractors) etc. supply of adequate credit should be implemented for development loans like production loans. Difference between production efficiency and development efficiency Production efficiency is related to the productivity related to inputs related purely to crops production such as seeds fertilizers pesticides chemicals etc. where as development efficiency is related to mechanization of farms lands development there fore inputs are tractors, land levelers water courses etc the details are below. Production efficiency factors The input factors related to production efficiency are Fertilizer The use of fertilizer is expected to grow by 4.0 per cent per annum in order to meet the crop production targets. The growth rate for the nitrogen is estimated at 3 per cent, phosphate 7 per cent and potash 12 per cent. In quantitative terms, nitrogen will increase to 3,049 thousand tones, phosphate 1,058 thousand tones and potash 45 thousand tones by 2009-10. The overall fertilizer consumption is estimated at 4,152 thousand tones. The mean application rate at national level will be about 180 Kg nutrients per hectare. There are other fertilizer products as source of micronutrients such as Zinc, Boron and Iron would also be targeted for specific crops (rice, cotton, maize, sugarcane, vegetables and horticultural crops) for efficiency and quality. According to research by (Coady, 1995) it is stated that the introduction of high-yielding varieties (HYVs) of wheat and rice in Pakistan in the mid-1960s was heralded as a major breakthrough in the problem of food supply. A crucial characteristic of these new HYVs was their high yields when used in conjunction with chemical fertilizer (henceforth just fertilizer) and controlled irrigation. Great emphasis was placed on increasing the supply and use of fertilizer, which was still regarded as of crucial importance by the mid-1980s-of the total increase in agricultural output envisaged by the Sixth Five Year Plan (Government of Pakistan 1983), 48% of it was expected to come from increased use of fertilizer. Although the technology associated with HYVs is essentially regarded as being neutral to scale, constraints such as those arising from inadequate irrigation, an inability to secure credit and access to extension services can bias the technology towards larger farms. The researcher focuses on the use of fertilizer. Earlier analysis of the data showed that just over 80% of the sample applied fertilizer, this the farms more than 25 hectares have higher percentage. However, that simple analysis of fertiliz er use did not indicate any systematic relationship between land size and per-acre levels applied (henceforth, fertilizer intensity). There, as in most studies of fertilizer use, zero observations are dropped. Much of the literature on agriculture in developing countries argues that, because of lack of access to crucial complementary inputs (such as irrigation, knowledge or credit), the productivity of fertilizer is lower on smaller farms. This would suggest that fertilizer intensity ought to be positively correlated with farm size. However, although my data suggest that a larger proportion of smaller farms do not apply any fertilizer, focusing only on users, I do not find any systematic relationship between fertilizer intensity and farm size. However, when I allow in my analysis for lack of access, I find a negative relationship between fertilizer intensity and farm size, in spite of the fact that productivity-enhancing characteristics appear to be biased in favor of large farms. I suggest that this could reflect the effect of uncertain yields on risk adverse farmers. If one accepts this interpretation, then it appears that the effect of uncertainty is strong enough to outweigh the produc tivity bias towards larger farms Pesticides and Plant Protection The productivity of crops is mainly depends upon control of pest. Around approximately 20% to 25% cent of crop production output lost due to hit of insects and pests. The use of pesticides has increased from 665 tones in 1980 to 69,897 tones in 2002. It has been estimated that its consumption may touch 78,000 metric tones till 2010. Approximately around 54% of the pesticides are useful on cotton crop, 23 per cent on rice, 9 per cent on fruits and vegetables, and 5 per cent on sugarcane. The rising and unsystematic use of pesticides must be avoided as it also kills useful predators and insects and causes environmental deprivation. Importance will be given on support of Integrated Pest Management (IPM) in order to reduce the application of pesticides in the best way. According to research (Alagh, 1988) states that INSECT pests, diseases and weeds inflict considerable damage to crops and plantations resulting in an estimated. Crop loss of over one-third of realizable output globally. Losses are higher in Africa and Asia, more than 40 per cent annually. The earliest use of chemicals to prevent crop losses is reported in the nineteenth century with the use of inorganic salts. The thirties of this century represent the beginning of the modern era of synthetic organic pesticides which saw the discovery of DDT (in 1939) and BHC (in 1942). A host of chloro organic compounds were introduced subsequently. Then came the organophosphorous com- pounds representing another extremely important class of organic insecticides, malathion being the first example of a wide spectrum insecticide with low mammalian toxicity. The new crop varieties and cropping sequences for intensive agriculture brought to the forefront problems of pests which caused tremendous losses to various crops and their produce. Pest problems have shown marked increase in changing agriculture. Pest problems have increased with the intensification of agriculture. Also improved agriculture brought about a transformation and an all round consciousness not to allow/tolerate yield losses especially because of the availability of modern pest control technology which makes it possible to avoid or to minimize such losses. Losses to crops and their produce are caused by various agencies which include insects, diseases, nematodes, weeds and several other non-insect pests. The estimated losses vary from crop to crop and region to region. However, it has been estimate that in India annual monetary loss in agriculture due to weeds, diseases, insects, nematodes, storage pests, rodents and birds runs into Rs 6,000 crore. This estimate is somewh at speculative yet it gives a first order approximation of the nature of the problem. Estimates with respect to many crop pests or diseases are available both in terms of percentage avoidable loss or loss in value. Such information is valuable and essential planning and implementation point of view of economic programs. So therefore pesticides plays important role in increasing production efficiency by reducing diseases and damage to the crops by the insects or pests because if crops production is effected by any of the reasons stated above crops production efficiency will be decreased. Development Efficiency How mechanization helps in improving farm efficiency Animal draft has conventionally remained a source of traction powers at farm over centuries. All operations at farm from tilling of the land to sowing, cultural management practices, lifting of water from shallow wells, harvesting, threshing, winnowing and transport were carried through animal provided draft. The use of fuel run machinery is a matter of about half a century. The major focus in the area came since the times of green revolution in late 1960s when the high yielding varieties (HYVs) inspired farming community for paradigm shift in adoption of other new technologies including farm mechanization. The major emphasis has been on farm traction, exploitation of sub surface water resources from sweet water aquifer, harvesting/threshing of crops, spraying of crops against insects, pests/diseases and pressurized irrigation operations. The main purpose of farm mechanization is to improve efficiency by replacing techniques with more efficient use of machines which performs sowing, harvesting, shallow wells and transport with less time and more efficient that animals based techniques. Mechanization of farm operation has become necessary due to shortage of labor and animal power at planting and harvesting stages of crops. It helps in timely sowing, cultural practices and harvesting of crops and reduction in post harvest losses. The most popular forms of mechanization are tractors with cultivators, drills, wheat threshers, sprayers, power rigs, tube-wells and bulldozers. The total number of operational tractors in the country is estimated to be 342,000 by June 2005. Thus available horsepower (hp) at farm level will be 0.82 hp per hectare as compared with 1.4 hp per hectare recommended by FAO for developing countries. It is projected that 45,000 tractors per annum will be added to the existing fleet. Thus, the total number of operational tractors will be increased to 466 thousand in 2009-10, increasing the horsepower at farm level to 1.1 hp per hectare. The fleet of bulldozers in the provinces will be strengthened for the development of wastelands and construction of slow action dams. The availability of institutional credit for the purchase of tractors and other agricultural machinery will be ensured through earmarking the actual credit requirement to Zarai Taraqiati Bank Limited (ZTBL) and other commercial banks. The farmers will be facilitated to procure small seed processing units and establish primary grading facilities at farm level to fetch good price of their produce. The sugarcane harvesters, maize and cotton pickers, paddy transplanters and laser land leveling equipments will be introduced. Custom hire farm service centers will be established at suitable places for costly agricultural machinery/implements for small and medium farmers under public-private partnership. The public sector will provide seed money and technical assistance for the establishment of these centers. The farmers organizations will be responsible for the operation and maintenance of these centers on sustainable basis. The factors included in farm efficiency are Left bank outfall drainage scheme Land leveling Water courses Drainage schemes Left bank outfall drainage scheme Emerging drainage problems The greatly increased continuous use of Indus water for irrigation (from storage or direct river diversions) has significantly altered the hydrological balance of the Indus Basin. Seepage losses from irrigation canals, distributaries, minors, and watercourses and deep percolation from the irrigated lands have resulted in a gradual rising of the groundwater table, bringing with it critical problems of water logging and salinity over a vast area. Water logging is widespread throughout Punjab and Sind provinces, where most of the countrys food and fiber crops are produced. In the early 1900s, the water table was generally more than 15 meters (m) below the surface throughout the Indus Plain. However, by 1978 (when the Indus Basin Salinity Survey was completed), the water table in 22% of the Indus Basin was within 1.8 m of the surface, and an additional 30% was within 3 m. The condition has get worse since then. There was a comprehensive survey conducted in 1961 calculated that about 40,0 00 ha of land were being lost per year to agricultural production due to water logging and salinity. While these estimations have not been updated available information suggests that land neglected in severely waterlogged areas is continuing. What is left bank outfall drainage schemes The Left bank outfall drainage concept embraces major drainage and agricultural development and represents the collective efforts of Government of Punjab, Government of Sind, WAPDA, 1UNDP, international consultants, and potential co financiers, led by the World Bank. The Stage I Project has evolved from numerous investigations and studies initiated in the mid-1960s and refined thereafter. The project was subjected to extensive professional scrutiny and is a milestone in the Banks long-standing involvement with Indus Basin development. The LEFT BANK OUTFALL DRAINAGE SCHEME concept has been subject to intensive project preparation during the past 20 years. The Lower Indus Project report, prepared in 1966 by Sir N. MacDonald and Partners Ltd. and Hunting Technical Services Ltd., both of the United Kingdom, contains a comprehensive plan for optimum development of agriculture in the LEFT BANK OUTFALL DRAINAGE SCHEME area. Why this scheme is so important for Pakistani agriculture due to the irrigation conditions of agriculture Major factors in recent improvement of agriculture have been favorable weather and the affirmative response of farmers to GOVERMENT OF PUNJABs policies and programs for agriculture sector development. Land leveling in Pakistan Studies have indicated that a significant (20 to 25 %) amount of irrigation water is lost during its application due to poor farm designing and uneven fields. It has been estimated that the farmers keep on applying water until the maximum point in a field is covered. This leads to over-irrigation of low-lying areas and under-irrigation of superior spots in those results in irregular supply of all nutrients to the plants besides accumulation of salts in such areas. The fields not correctly leveled, because wastage of land, low irrigation efficiencies, and eventual result is considerably lesser yields than the possible. Accurate Land leveling (PLL) consists of grading and planning land to a smooth level or no slope to facilitate efficient irrigation. Modernized method of carrying out PLL is by using LASER equipment that helps in attaining mandatory degree of precision at lesser cost and effort. LASER land leveling equipment is provided to the farmers on nominal average rental charges i .e. Rs 150/hour to 200/hour. An area of about approximately 400,000 acres has been accurately leveled in the Punjab since inauguration of OFWM program that includes over 113,000 acres leveled with LASER technology. Precision Land Leveling (PLL) is a mechanical process of grading and smoothing the land to a accurate and consistent plane surface at grade or no grade (zero slope) with variation of less than  ± 2cm. It is carried out to control irrigation application losses at the farmers fields besides other advantages. LASER technology has been proved to be advantageous as it minimizes the cost of irrigation operation, ensures better degree of precision in much lesser time, saves irrigation water, ascertains consistent seed germination, increases fertilizer use efficiency and resultantly enhances crop yields. Impact studies on LASER land leveling identify that it: Curtails the irrigation application losses up to the extent of 25% Reduces labor requirements for irrigation by about 35% Enhances the irrigated area by about 2% by brining the number as well as length of field ditches and dikes to a minimum * Increases the crop yields by about 20% Pakistan is considered to be the pioneer in South Asia for promoting use of LASER technology in irrigated agriculture. OFWM Punjab has tested the first laser leveling equipment in 1985. Before devolution, there were 140 LASER land leveling units available with District Governments which have been procured through donor assisted projects, respectively. One hundred units were equipped with tractors while 40 units were without tractors. These machines have accurately leveled about 125,000 acres of land. The yearly potential of available LASER equipment was about 25,000 acres per year. The major operational limitation encountered to make sufficient use of this equipment was insufficient availability of OM funds with the public sector. Drainage schemes The constant expansion of the irrigation system over the past century drastically altered the hydrological balance of the Indus River basin. Seepage from the system and percolation from irrigated fields caused the water table to get higher, attaining crisis conditions for a significant area. Around 1900 the water table was typically more than sixteen meters below the surface of the Indus Plain. A 1981 study found the water table to be within about three meters of the surface in more than one-half the cropped area in Sindh and more than one-third the area in Punjab. In some areas, the water table is much nearer to the surface. Cropping is fatally affected over a wide area by poor drainagewater loggingand by accumulated salts in the soil. Officials were conscious of the need for additional expenditure to prevent further worsening of the existing situation. Emphasis in the 1980s and early 1990s was on rehabilitation and preservation of existing canals and watercourses, on farm improvements on the farms themselves (including some land leveling to conserve water), and on drainage and salinity in priority areas. Emphasis was also placed on the short-term projects, mainly to improve the operation of the irrigation system in order to lift up yields. Element of the funding would come from stable increases in water use fees; the objective is gradually to raise water charges to cover operation and maintenance costs. Substantial time and money are needed to understand the full potential of the irrigation system and bring it up to modern standards.(detected) Irrigation and watercourses In the beginning of 1990s, irrigation from the Indus River and its tributaries comprised the worlds largest contiguous irrigation system, capable of watering over 16 million hectares. The system includes three major storage reservoirs and numerous barrages, head works and canals, distribution channels. The total length of the canal system exceeds 58,000 kilometers; there are a further 1.6 million kilometers of farm and field ditches. Over the use of Indus waters there were prolonged disputes between India and Pakistan because partition placed portions of the Indus River and its tributaries under Indias control. After nine years of dialogue and technological studies, the issue was resolved by the Indus Waters Treaty of 1960. India use of the waters of the main eastern tributaries in its territorythe Ravi, Beas, and Sutlej rivers after a ten year transitional period, the treaty awarded Pakistan received use of the waters of the Indus River and its western tributaries, the Jhelum and Chenab rivers. When the treaty was signed, Pakistan began an extended and rapid irrigation construction program, partly financed by the Indus Basin expansion Fund of US$800 million contributed by various nations, including the US, and administered by the World Bank. Several huge link canals were built to transfer water from western rivers to eastern Punjab to substitute flows in eastern tributaries that India began to redirect in accordance with the terms of the treaty. In 1967 the Mangla Dam, on the Jhelum River, was completed. The dam provided the first major water storage for the Indus irrigation arrangement. The flood control was also contributed by the dam, for regulation of flows for some of the link canals, and to the countrys energy supply. At the same time, further construction was undertaken on barrages and canals. The vital need in the 1960s and 1970s to raise crop production for domestic and export markets led to water flows well beyond designed capacities. Completion of the Mangla and Tarbela reservoirs, as well as enhancement in other parts of the system, made superior water flows possible. In addition, the government began installing public tube wells that frequently discharge into upper levels of the system to add to the available water. The higher water flows in parts of the system significantly go beyond design capacities, creating stresses and risks of breaches. However, many farmers, mainly those with smallholdings and those on the way to the end of watercourses, suffer because the supply of water is unreliable. The irrigation system represents a considerable engineering achievement and provides water to the fields that account for ninety percent of agricultural production. Nevertheless, serious problems in the design of the irrigation system avert achieving the highest potential agricultural output. LITERATURE REVIEW Production Efficiency and Agriculture Productivity According to research (Taylor, Drummond, Gomes, 1986) which relates to effectiveness of subsidized credit programs in improving the productivity of traditional farmers in developing countries the credit program known as PRODEMATA it is concluded by empirical results suggest that PRODEMATA has had no desire impact on technical efficiency and a slightly negative effect on allocative productivity (it is defined as a theoretical measure of the advantage or utility resulting from a planned or actual choice in the distribution or distribution of resources). The poor but efficient hypothesis states that the provision of agricultural credit will be ineffective in improving productivity and incomes since investment opportunities are limited. Traditional farmers are hypothesized to be efficient but faced with technological barriers that can- not be overcome by the mere influx of capital provided by credit programs alone. It is further analyzed that the economics of credit in Brazil and concluded there was an underutilization of capital on small farms and that credit would relieve capital shortages and improve output. However, in analyzing farm-level production in it is found that technological barriers were present which would prevent credit programs from having a significant impact on capital formation and incomes. Studying traditional agriculture in southern Brazil concluded that in- creased investment capital formation, such as use of mechanized equipment and fertilizer, alone is not the answer to increasing crop production. Better management, Information sources and consumption of resources are as significant and should be equally emphasized if any advantage is to be anticipated from increasing disbursement on these inputs. The implication here is that, while credit availability may afford traditional farmers the opportunity to invest in modernized inputs, there is no guarantee that these inputs will be used in such manner as to recognize the full level of output gains possible. It thus seems appropriate that the effectiveness of subsidized credit in traditional farming depends on concerns of technical as well as allocative efficiency. The research above illustrated credit program named as PRODEMATA was instituted The result was that participated in the program compared to those of nonparticipating farms indicate that the program wa

A Character Analysis of Elizabeth Bennet Essay -- essays papers

A Character Analysis of Elizabeth Bennet Throughout Jane Austen’s novel Pride and Prejudice , there are many references to the unusual character of Elizabeth Bennet ; she is seen to be an atypical female during those times. Wit , bravery , independence , and feminist views all describe a most extraordinary model for women. Pride and Prejudice is a humorous novel about the trials of marrying well in the early eighteenth century. It focuses mainly on the actions of two couples – Elizabeth Bennet and Mr. Darcy and Jane Bennet and Mr. Bingley. Elizabeth Bennet is a vibrant, headstrong young woman who is not too keen on the idea of marriage , whereas Mr. Darcy is an egotistical and proud man who improves on closer acquaintance. Mr. Bingley is Mr. Darcy’s closest confidante and is a very good man who is easily persuaded. Jane Bennet is the eldest of the Bennet daughters who is closest to Elizabeth and is also a very good-natured person. All of these characteristics play off of one another throughout the course of events to create many interesting situations. Jane Austen was the daughter of a minister in a small English town. Her observations about irony and hypocrisy in English society drove her to write many stories of such things especially marriage as that was a prime example of such traits. She herself never married. Elizabeth Bennet’s wit is both humorous and intelligent. There are repeated instances within the story in which she proves her cleverness and liveliness. Joel Weinsheimer believes th... ...64. Butler , Marilyn . Jane Austen and the War of Ideas. Oxford : Clarendon Press , 1975. Chandler , Alice. Jane Austen : Modern Critical Views. New York : Chelsea House Publishers , 1986. Halperin , John , ed. Jane Austen : Bicentenary Essays. Cambridge UP , 1975. Heilman , Robert. â€Å"E Pluribus Unum : Parts and Whole in Pride and Prejudice† . Jane Austen : Bicentenary Essays. Cambridge UP , 1975. Rubinstein , E. , ed. Pride and Prejudice : A Collection of Critical Essays. Englewood Cliffs: Prentice-Hall Inc. , 1969. Sherry , Norman. Jane Austen. New York : Arco Publishing Co. , 1969. Watt , Ian , ed. Jane Austen : A Collection of Critical Essays. Englewood Cliffs : Prentice- Hall Inc. , 1964. Weinsheimer , Joel . Jane Austen : Modern Critical Views. New York : Chelsea House Publishers , 1986.

A Case Against Interracial Adoption Essay examples -- Family Psycholog

Black children are disproportionately represented in the foster care system. In the most recent Statistical Abstract published in 2011 by the U.S. Census Bureau, Black children accounted for 15% of the U.S. child population in 2009. In contrast, Black children were at almost 30% of the total number of children in foster care for the same year according to the Department of Health and Human Services 2009 Foster Care report. In addition, there are not enough Black families available to adopt these children. Interracial adoption advocates often hail it as a good solution to address these problems. Interracial adoption is promoted as a major step towards an integrated, unprejudiced, and colorblind society. However, instead of healing the wounds of racism, interracial adoption often contributes to racist ideologies and practices that devalue family relationships in the Black community (Roberts 50). This type of adoption is a surface only solution that fails to dig deeper and address the u nderlying reasons for the disproportionate representation of Black children in foster care and the lack of minority adoptive parents. This deeper analysis exposes a system of that is very biased against the Black community in the adoption industry. Even when it is altruistic, interracial adoption is mostly detrimental to the Black community because it aids in the breakdown of Black families and the dismissal of the root causes of the circumstances that lead to large numbers of Black children needing to be adopted in the first place. Furthermore, interracial adoption has not made any significant difference in lowering the numbers of Black children in foster care. Poverty is the primary reason that a disproportionate number of Black children end up in ... ...006): 97-107. Boston College Law School. Web. 1 May 2012. Perry, Twila L. "Transracial Adoption and Gentrification: An Essay on Race, Power, Family, and Community." Boston College Third World Law Journal 26.1 (2006): 25-60. Boston College Law School. Web. 24 Apr. 2012. Roberts, Dorothy. "Adoption Myths and Racial Realities in the United States." Outsiders Within: Writing on Transracial Adoption. Ed. Jane J. Trenka, Julia C. Oparah, and Sun Y. Shin. Cambridge, MA: South End, 2006. 49-56. Print. United States. Census Bureau. "Table 10: Resident Population by Race, Hispanic Origin, and Age: 2000 and 2009." Statistical Abstract of the United States: 2012. 131st ed. Washington: GPO 2011. Web. 2 May 2012. United States. Department of Health and Human Services. Child Welfare Information Gateway. Foster Care Statistics 2009. Washington: GPO, 2011. Web. 2 May 2012.

The scarlet letter :: essays research papers

Torment Of Misfortune The guilt, hypocrisy, and vengeance revealed in The Scarlet Letter. In an age of sexual repression and conservatism, there is never room for public show of relationships. Emotions and affection are kept hidden from the public eye. With such limitations there is always an urge to break from what is considered proper. From this, lies and deceit are born to cover our mistakes. Hester Prynne stands helpless on a scaffold with her illegitimate daughter Pearl, wearing a blazoned scarlet â€Å"A†, making known she is an adulterer. Reverend Arthur Dimmesdale stands silent within the on looking crowd as his lover and daughter are to be persecuted. In the far corner, stands Roger Chillingworth, Hester’s husband quietly embittered at his wife’s infidelities. A soiled and twisted love triangle connects these three individuals as Hester’s persecution draws near. Nathaniel Hawthorne uses these individuals to exemplify guilt, hypocrisy and vengeance through secrecy and sin in The Scarlet Letter. Hester Prynne pities the life of her daughter Pearl, labeled a child of sin and a product of adultery. Pearl is in essence a real representation of the scarlet letter that she bears. Hester’s own doing lays out the fate of her child. "†¦[Hester's] impassioned state had been the medium through which were transmitted to the unborn infant the rays of its moral life; and, however white and clear originally, they had taken the deep stains of crimson and gold, the fiery lustre, the black shadow, and the untempered light of the intervening substance. Above all, the warfare of Hester's spirit, at that epoch, was perpetuated in Pearl." Hester has the power to make things right and announce the identity of Pearl’s father Arthur Dimmesdale, however she holds back for fear of ruining her partners reputation and esteem. Hester holds commitment to both Pearl and Dimmesdale, she endures the sting of guilt through her silence. Reverend Arthur Dimmesdale, a supposed â€Å"man of god† takes silence along with Hester. He is guilty of his sins but more so guilty of being a walking hypocrisy in his congregation. To rectify his wrongs, he preaches of god and refraining from sin. However he continues to hide his relationship with Hester and denies his illegitimate daughter the privilege of his name. His commitments to the church are a conflict with his feelings of sinfulness and his need to confess. He yearns to confess but fears the negative outcomes. In his subconscious he wishes to tell all his sins, but results in his strong participation in church.

Questionnair on customer satisfaction of bank Essay

To make a questionnaire first of all we need to understand management problem of SBI Bank. For that we need to know Why Customers are dissatisfied? Research Question: Now we need to understand where the problem is. Is it that Service Provided by SBI bank is not up to the mark or Staff member are not efficient and effective in their work or communication and after care services are not efficient or product offer by bank is not up to the mark. These are four areas in which management problem needs to be identiefied.This is known as Research Question. Investigative Question : Now we have identified problem area so now we need to examine different aspects of particular problem area its is known as investigative question. Eg. Service Provided by SBI is helpful? Service is being provided timely? In Second area of Problem of staff member, we need to Examine that information provided by staff member is easy to understand Staff member are Help full In third problem area of after care service, we need to examine whether account is Keep up to date or not? Queries are attended promptly Measurement Question: Now we need to convert investigative question in to normal layman language so that person can Understand and can answer properly. Myself Khushbu Desai. I am T.Y.B.B.A Finance student. I am doing study in B.R.C.M College of Business Administration. I have prepared a Questionnaire for Business Research Project Against Study of Customer Satisfaction for Customers of State Bank of India (SBI), Parle Point Branch. Please help me to do survey by rating the service that you currently receive from SBI Bank 5 = Excellent 4 = Good 3 = Average 2 = Poor 1 = Very Poor (Tick the boxes where appropriate) Â  

Moral hazards in financial system

Loans and the Housing Bubble Burst A moral hazard in economics is where someone takes a risk that they wouldn't normally take because they know that the consequences of that risk not paying off will be paid by somebody else. The case we will be discussing will be the housing bubble burst and it relates to the topic because lenders took great risks lending money to people that could not afford it knowing their banks were too big to fail and he government would have to bail them out.To begin this case we must first give a brief summary. After the dot. Com bubble burst of 2000 and the attacks on the US on September 11 the US economy was at a great risk of going into a recession. Central banks around the world including our federal reserve tried to stimulate the economy by reducing interest rates. This made a lot of people see the opportunity to make money and they started taking on riskier investments like for example buying houses that they knew they couldn't afford hoping to flip it i n a couple of years and make a great deal of money.Lenders saw this as an opportunity to make money as well by lending all this money but they did It with high risk approving people with supreme credit that would normally never get approved for these loans. Consumers kept this trend going and every year more and more supreme mortgages were being Initiated until 2006 when the housing bubble anally burst.The result was more foreclosures per year than had ever been seen before in the US and many lenders and hedge funds having to declare bankruptcy or need government ball outs. Moral hazards in financial system By caricaturing this as an opportunity to make money as well by lending all this money but they did it more supreme mortgages were being initiated until 2006 when the housing bubble need government bail outs.

Opportune the future Social Issues

Whether your elbows feel offended if they are asked to leave the table, or your fingernails constantly suffer from being the victims of your mouth, bad habits, will always haunt us. It is not easy to totally eliminate or cease continuance of these habits. However, what we need to do to get rid of our habits, is to maintain the ability to weigh the pros and cons of our dreadful practices. More importantly, we need to keep our nation, and our people away from the horrid habit of marijuana usage. It is not necessary to say yes. It is not necessary to encourage legalization. As of today, the nation stands behind three basic ideas of what to do with marijuana; legalize it, make it legal for medicinal purposes only, or keep it as it is, illegal. Through the development of society and the advancement of technology, humankind has constructed many ways to make bad habits appear good. Many argue that the legalization of marijuana will improve our economy, and aid those suffering from diseases such as Multiple Sclerosis and various cancers. This article is designed to cut through the fog of misinformation and manipulation with cold, hard facts. The proposal of legalization has been approached without carefully considering the negative impingement on a person's psyche, one's societal values, the impact on a person's health, and the detrimental effect on one's basic ethics and morals. When the issue of legalization is debated, the medical aspects are always the first factor that is brought into the light of day, while other imperative portions of the issue are left to lie in the dust. Though when it is looked upon, there are many aspects concerning marijuana that can be considered harmful. When marijuana is consumed, it is taken into the body and affects the brain directly, disabling it to think normally. When someone on a â€Å"high† is spoken to, they seem very relaxed and carefree. This, to some may be a positive effect but in reality has been thought of as a definite negative. Paranoia and panic invade the users mind, giving them an unreal perception of reality. Short-term memory, coordination, learning, and problem solving are all factors that negatively affect the brain. How can all these destructive ideas be good? How can the unpleasant possibly succumb and overtake the â€Å"supposed† positives†? Marijuana is a very potent chemical compared to other psychoactive drugs. All the effects listed previous are long term, damaging effects that an individual will be left with. If a person were to use marijuana for medicinal purposes, it can be proposed that in the short term it may be doing good, but in the long term, with all the side effects being left behind; the arguments in support outweigh the disadvantages. The damaging effects of this drug have short-term effects as well, that disturbs and contorts the minds thinking. Research shows that marijuana is not physically addictive, but it can be psychologically addictive. When a person believes he or she is addicted, the feeling stems into a higher usage causing a cycle of detrimental effects. Some short term effects that may be caused by the dangerous drug are problems with memory and learning, distorted perception, difficulty with thinking and problem solving, loss of coordination, increased heart rate, anxiety, paranoia and panic attacks. All these things clutter the mind causing chaos and can lead to dreadful occurrences. Staring at all the things that are able to happen to the mind psychologically, gives the understanding that just because it may be useful in one case does not mean it will be valuable in senses of the overall case. With this said, the question of legalizing marijuana comes into play. Looking at the facts laid out in front of you thus far, the conclusion of what to decide can be made easy. Ethics are defined as a set of principles concerning correct conduct and moral values. One must realize that every single person has a different interpretation of ethics. However, how can society conclude that legalizing marijuana is ethical? It stands to reason that if this behaviour is currently prohibited by law and follows with a severe punishment, it must be widely and clearly judged to be immoral. Canada is on the verge of facing a drug problem, and this problem extends towards all citizens. The children of today, the future leaders of our society will be open to drug usage because inevitably, marijuana smoking will be just as common as the smoking of cigarettes. And why will the government let children grow up in a legal drug-abusing world? Only for selfish and immoral reasons like money. The most potent question to ask is; if marijuana is legalized, is it really worth it to throw all known morals into the trash, and let children be nurtured in a drug filled society? Marijuana promotion is also unethical. If this drug is legalized it will also be promoted, maybe not directly but just the fact of legalization will affect the decisions of millions worldwide. Rules and regulations are what hold civilizations together. When rules are broken there is a certain shaking of the society in consequence of the broken rule. If marijuana is legalized, there will be no more rules to enforce the usage of the drug, thus slowly leading to a deterioration of society. To legalize or not to legalize? That is the question. A question that is running through many peoples' thoughts. The legalization of marijuana is a controversial debate that may never satisfy those in favour of it and against, in the end. Although the final decision is one made by the Ontario Government the impact the new law will have on society is heavily taken into consideration because of the influential role Marijuana has on our modern day society. The legalization of marijuana will have a negative impact on our society mainly because it becomes an invitation for children and adults to use the drug regularly. Children are not one to argue with what is legal, giving them an incentive to smoke marijuana as they do cigarettes negatively effecting their education and future. Although there are many children using marijuana, as it remains illegal, the difficulty of getting a hold of the drug and using it continues to be high. Some people argue that the legalization of this drug will increase the economic conditions of our nation not taking into account the increase in the number of people dependent on the drug. Thereby increasing the amount of money needed to run drug addiction programs, welfare for those who spend away their lifesavings on the drug and an increase for hospital beds and emergency rooms for those who get themselves overdosed or in a medical bind because of the drug. Where would the government find the time and money to support the needs and uses of marijuana? Through a social perspective the legalization of marijuana is detrimental to our society as it corrupts the lives of our children who are our future. When marijuana enters the bloodstream it acts significantly on the brain and the nervous system. Many physical effects take place such as; the heart rate is elevated from an average of 70 beats per minute to 130 or more due to the marijuana smoke containing carbon monoxide. This smoke impairs the oxygen carrying ability of the blood resulting in extra stress placed on the heart because it must work harder to move the blood throughout the body. Marijuana smoke also contains high amounts of tars and irritating chemicals, which damage the throat, windpipe, and lungs. Fungus infections have been found in 50% of marijuana smokers in a study at the University of Wisconsin. These infections (caused by aspergillis fungus) may lead to allergies or serious lung infections from inhaling the fungal spores into the lungs. In addition, marijuana also affects the body's system of fighting infection and its production of hormones, which control important body activities. You begin to have trouble with motor skills, walking, talking, and coordination. It is clear that there are many powerful and complicated immediate effects, which take place when marijuana is absorbed into the bloodstream. This leaves an individual unaware of his/her surroundings and actions, thus making them unfit to make decisions on their own. In addition, smoked marijuana contains more than four hundred different chemicals, including most of the hazardous chemicals found in tobacco smoke. However, a substance called Marinol has been developed for patients who suffer from diseases marijuana can ease. This substance has been studied and approved by the medical community and the Food and Drug Administration (FDA), the nation's watchdog over unsafe and harmful food and drug products. There are no FDA-approved medications that are smoked. Though many persistently argue that medicinal marijuana will relieve the pain of those who suffer from various diseases, it is clearly proven that they are wrong. In essence, marijuana does not need to be legalized for medicinal purposes. There is already an FDA approved drug being administered to those who need it. Legalization for even medicinal purposes will not drastically ease pain. Ironically, the smoking of this drug threatens to increase the health issues of these patients. Marijuana has often been touted as one of the safest recreational substances available. This is perhaps true. Nonetheless, It would be fallacious to conclude that because the chemicals in marijuana have been found to present fewer dangers than some very harmful substances, the medical or recreational use of marijuana is perfectly safe. In fact, it is simply ridiculous. These arguments and presumptions concerning the legalization of marijuana are more fictitious than a fairy tale. In fact, legalizing marijuana will cause a deterioration of one's health rather than restoring it. There is still a great deal of research to be done concerning the effects of marijuana on humans. This is due to the fact that widespread marijuana use has only become prevalent in this country within the last two or three decades. Therefore, the effects of long-term use are just beginning to become apparent. Should Marijuana be legalized? It is evident that many people who support this bill generally try to construct this horrid habit into something good. Psychologically, ethically, socially and medically, studies and debates are continually pointing a thumbs-down sign for the plan of marijuana legalization to be executed.