...Be Grateful for What you Have Jonathan Kozol is a writer, educator, and activist who was born in 1936 in Newton, Massachusetts. He is a very well educated person who has graduated from Harvard and Oxford in England, where he became a Rhodes Scholar. He has spent most of his life as an adult working with people that are despised and ignored by common culture. The poor, homeless, and illiterate. He has also wrote about and on behalf of them. One of his pieces, “Amazing Grace,” is a non-fiction story about Kozol’s experience in one of the poorest places in the United States, the South Bronx in New York. He visited St. Ann’s, where he meets Reverend Overall and sees many surprisingly lively children, on of which was a boy named Cliffie. Cliffie took Kozol on a tour through the South Bronx, where Kozol sees many things and learns more about what life is like in the South Bronx. If you look at all the details and context clues, you can see that Kozol is telling you that you should be grateful for...
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...UNDERSTANDING QUALITATIVE RESEARCH Qualitative research, also called interpretive research or field research, is a methodology that has been borrowed from disciplines like sociology and anthropology and adapted to educational settings. Qualitative researchers, as you already have learned, use the inductive method of reasoning and strongly believe that there are multiple perspectives to be uncovered. Qualitative researchers focus on the study of social phenomena and on giving voice to the feelings and perceptions of the participants under study. This is based on the belief that knowledge is derived from the social setting and that understanding social knowledge is a legitimate scientific process. The following are the key characteristics of qualitative research: • Studies are carried out in a naturalistic setting. • Researchers ask broad research questions designed to explore, interpret, or understand the social context. • Participants are selected through nonrandom methods based on whether the individuals have information vital to the questions being asked. • Data collection techniques involve observation and interviewing that bring the researcher in close contact with the participants. • The researcher is likely to take an interactive role where she or he gets to know the participants and the social context in which they live. • Hypotheses are formed afterthe researcher begins data collection and are modified throughout the study as new data are collected and analyzed...
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...CHAPTER TWO LITERATURE REVIEW 2.0 Introduction This chapter reviews literature related to this study. This was done with the expectation that relevant information would be obtained to help shape and enrich the study, knowledge of what has been done on this topic is important in helping to clarify issues. The following topics were reviewed for the study; definition of loan, definition of SME, general principles of lending, loan monitoring and control, access to credit as well as repayment performance: theory and practice. 2.1 Definition of loan A loan is a type of debt like all debt instruments, a loan entrails the redistribution of financial assets over time, between the lender and the borrower. The borrower initially receives an amount of money from the lender which they pay back, using but not always in regular installment. Types of loans There are many different types of loans you can take out. When you are looking to borrow money, it’s important that you know your options. i. Open-ended loans: they are loans that you can borrow over and over again. Credit cards and lines of credit are the most common types of open-ended loans. With both of these loans, you have a credit limit that you can purchase against. Each time you make a purchase, your available credit decreases. As you make payments, your available increases allowing you to use the same credit over and over. ii. Closed-ended loans: this cannot be borrowed once they have been repaid. As you make payments on...
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...Y METHODS IN EDUCATIONAL RESEARCH From Theory to Practice Marguerite G. Lodico, Dean T. Spaulding, Katherine H. Voegtle METHODS IN EDUCATIONAL RESEARCH Y METHODS IN EDUCATIONAL RESEARCH From Theory to Practice Marguerite G. Lodico, Dean T. Spaulding, Katherine H. Voegtle Copyright © 2006 by John Wiley & Sons, Inc. All rights reserved. Published by Jossey-Bass A Wiley Imprint 989 Market Street, San Francisco, CA 94103-1741 www.josseybass.com No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning, or otherwise, except as permitted under Section 107 or 108 of the 1976 United States Copyright Act, without either the prior written permission of the publisher, or authorization through payment of the appropriate per-copy fee to the Copyright Clearance Center, Inc., 222 Rosewood Drive, Danvers, MA 01923, 978-750-8400, fax 978-646-8600, or on the Web at www.copyright.com. Requests to the publisher for permission should be addressed to the Permissions Department, John Wiley & Sons, Inc., 111 River Street, Hoboken, NJ 07030, 201-748-6011, fax 201-748-6008, or online at http://www.wiley.com/go/permissions. Limit of Liability/Disclaimer of Warranty: While the publisher and author have used their best efforts in preparing this book, they make no representations or warranties with respect to the accuracy or completeness of the contents of this...
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...BT Personal Skills Journey Key skills training for young adults www.bt.com/personalskillsjourney Foreword The BT Learning and Skills Programme is passionate in its promotion of the key role communication skills play in our lives. We recognise that in this increasingly competitive world, we need to equip our young people with an understanding of the basics in life as early as we can, as businesses both large and small cannot afford to recruit staff who are unprepared for their start in the world of work. The lessons contained in this publication can be supplemented with many of the free resources available from our Learning and Skills website at www.bt.com/freeresources 02 Personal Skills Journey Foreword Welcome to your Personal Skills Journey Workbook! You will use this workbook as a journal throughout the year to evaluate and record your personal skills journey. These skills are SOFT skills – this means that there is no one test that will demonstrate if you have them or not. Assessing your personal skills is different to assessing your verbal or numerical skills or your ability in science – there are no right and wrong answers so soft skills are harder to measure. Some people will be very good in one area and need to improve in other areas. The aim of this workbook is to help you decide what skills are your strengths (what you are good at) or your weaknesses – the skills that you will need to practice in order to become better at them...
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