...Chapter 2 Childhood Years in Calamba Rizal's childhood was the happiest period of his life. Calamba, the hero's hometown, belonged to the Dominican Order. A few kilometers south of Calamba lies mount Makiling. East of the town is Laguna de Bay. Rizal was a student in the Ateneo de Manila in 1876 when he was 15 years old. When he was fifteen, he wrote the poem entitled In Memory of My Town (Un Recuerdo A Mi Pueblo) Rizal was sickly, underweight, undersized, and frail as a child. He had his own nipa cottage where he played in the day, built by his father. He had an aya (nurse maid) who has a kind old woman and who took care of him and his health. He began birdwatching at the age of 3, observing the culiauan, the maya, the maria capra, the martin, and the pipit. He recited the Angelus prayer daily. Of all his sisters, Jose loved little Concepcion best. She was only a year younger than him, and fell ill and died at the age of 3. The death of his sister was Jose's first grief. Jose and his father went on a pilgrimage to Antipolo on June 6, 1868 so that they could fulfill his mother's vow, which she made when Jose was born. Teodora could not join them on this pilgrimage because she had given birth to Jose's sister Trinidad. After the pilgrimage, Jose went with his father to Manila where they visited his sister Saturnina, who was then a boarding student at La Concordia College in Santa Ana. On "The Story of the Moth," Rizal thought that the creature's death was justified...
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...CHAPTER 5 SUMMARY OF FINDINGS 5.1 FINDINGS • The liquidity position of the J&K Bank ltd. has been reasonably satisfactory in all the years. It has been growing year after year. • The advances of the J&K Bank ltd. are mounting year after year which shows that hank charging nominal interest in advance. • The borrowings are growing year by year. • Increase ATM service from 251 to 350 at different locations. • Majority of customers in sample size are satisfied with marketing strategies of J&K Bank ltd. • Majority of people in the sample size are customers of J&K Bank ltd. • Majority of customers out of 100 think that management doesn’t communicate strategies and policies effectively. • Majority of customers out of 100 think there is lack...
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...Early Education Rizal’s first teacher was his mother, Teodora Alonso. As a tutor, Doña Teodora discovered that her son had a creative and in-depth talent for poetry so she encouraged him to write poems to reduce the monotony of memorizing the ABC’s and to stimulate her son’s imagination. As Rizal grew older, his parents employed private tutors. His first private tutor was Maestro Celestino, followed by Maestro Lucas Padua and later, an old man named Leon Monroy. Monroy lived at the Rizal residence and instructed Jose in Spanish and Latin. Unfortunately, after 5 months of teaching, he passed away. After Monroy’s death, Rizal’s parents decided to send him to a private school in Biñan. Life and Studies in Ateneo (1872-1877) In 1865, college began to function in the Philippines when the Jesuits returned. Jesuits were considered as the best educators in Spain, and perhaps in Europe. So they established an institution called the Ateneo de Municipal. The Instruction of Jesuitical system was considered advanced. Their methods were less mechanical and rigid in discipline. Jesuits introduced physical culture as well as art cultivation, such as music, drawing, and painting. Agriculture, commerce, and mechanics were part of their vocational courses. Being a religious institution, Ateneo’s principal purpose was to mold character. Rizal entered Ateneo de Municipal in 1872. He describe his first professor, Fr. Jose Bech as a “man of high stature; lean body, bent forward; quick...
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... and Hong Kong. The company serves the world's largest 5000 companies. Datamonitor's premium reports are based on primary research with industry panels and consumers. We gather information on market segmentation, market growth and pricing, competitors and products. Our experts then interpret this data to produce detailed forecasts and actionable recommendations, helping you create new business opportunities and ideas. Our series of company, industry and country profiles complements our premium products, providing top-level information on 10,000 companies, 2,500 industries and 50 countries. While they do not contain the highly detailed breakdowns found in premium reports, profiles give you the most important qualitative and quantitative summary information you need - including predictions and...
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...Help Text leaflet for form TIER 4 (G) version 04/11 APPLICATION FOR A GRANT OF LEAVE AND BIOMETRIC IMMIGRATION DOCUMENT UNDER TIER 4 (GENERAL) STUDENT - MAIN APPLICANT HELP TExT This help text leaflet is for use with the Tier 4 (General) student application form for students who are already in the United Kingdom. The application form is available from our website: http://www.ukba.homeoffice.gov.uk. Please check that this is the current form and leaflet for use on the date that you apply. This help text leaflet is for use with the application form specified for applications made on or after 6 April 2011 Tier 4 (General) aPPlicaTion Form - HelP TeXT leaFleT contents Tier 4 (General) Student Help Text ......................................................................4 Who should apply using this form? ......................................................................................... 4 Submitting a valid application ................................................................................................. 4 What is the fee for the application? ........................................................................................ 5 How can you pay? ................................................................................................................. 5 Dependants ............................................................................................................................ 5 claiming Points on an application ...............
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...Chapter 5 Socially Responsible Business – Doing the Right Thing By Lizabeth England Businesses have an ethical responsibility to customers who buy goods and services from them. Socially responsible business means that companies do the right thing for their customers. Companies consider profit, consumer satisfaction, and societal well being as equally important in the way business is conducted. Governments often enact laws that force businesses to function ethically. Consumers also can force businesses to act ethically regarding their purchases. For example, in the United States today, consumers and consumer activists boycott over 800 products. This chapter is on socially responsible business. Teachers and students want to know about ways in which businesses are held accountable to customers for goods and services that they sell. According to consumer rights laws, people who buy goods and services have four rights: the right to be safe, the right to be informed, the right to choose, and the right to be heard. This chapter will provide teachers and students with opportunities to learn more about socially responsible business and about doing the right thing. In the United States, businesses are often judged by their socially responsible behaviors. Most people agree that these include the following specific elements: equal employment opportunity for all citizens regardless of their race, religion or sex; respect for employees’ diversity, safety, and health in the workplace;...
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...A Study of Middle Grades Students’ Reading Interests, Habits, and Achievement Nichole Lynnette Smith A dissertation submitted to the faculty of the University of North Carolina at Chapel Hill in partial fulfillment of the requirements for the degree of Doctorate of Education in the School of Education. Chapel Hill 2009 Approved By: Dr. Barbara Day Dr. Frank Brown Dr. Sandra Hughes-Hassell Dr. Teresa Petty Dr. Xue Lan Rong i © 2009 Nichole Lynnette Smith ALL RIGHTS RESERVED ii ABSTRACT Nichole Lynnette Smith: A Study of Middle Grades Students’ Reading Interests, Habits, and Achievement (Under the direction of Dr. Barbara Day, Advisor) Reading has become an area of concern among the American culture in the past decade. The amount of time the American public spends reading is declining quickly, and its most frequent drop has been among its youngest readers, elementary school students (National Endowment for the Arts, 2004). McKool’s (2007) research has found that there is a “strong relationship between the amount of out-of-school reading a student engages in and his or her success in school” (p. 111). It has also been found that students’ academic levels do not remain the same with no growth, but their academic levels actually drop if they do not read in their free time (Hughes- Hassell & Lutz, 2006). The current literature focuses on younger students, especially those in elementary school. The purpose of this study was to investigate potential differences of what influences...
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...Master Your Mac simple ways to tweak, customize, and secure os x MAT T CONE Master Your Mac Master Your Mac Simple Ways to Tweak, Customize, and Secure OS X MAT T CONE MASTER YOUR MAC. Copyright © 2013 by Matt Cone. All rights reserved. No part of this work may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopying, recording, or by any information storage or retrieval system, without the prior written permission of the copyright owner and the publisher. First printing 16 15 14 13 12 123456789 ISBN-10: 1-59327-406-8 ISBN-13: 978-1-59327-406-1 Publisher: William Pollock Production Editor: Serena Yang Cover Design: Serena Yang Cover Photo: Kazuya Minami Interior Design: Octopod Studios Developmental Editor: Tyler Ortman Technical Reviewer: Wayne Linder Copyeditor: Paula L. Fleming Compositor: Serena Yang Proofreader: Ward Webber Indexer: Nancy Guenther For information on book distributors or translations, please contact No Starch Press, Inc. directly: No Starch Press, Inc. 38 Ringold Street, San Francisco, CA 94103 phone: 415.863.9900; fax: 415.863.9950; info@nostarch.com; http://www.nostarch.com/ Library of Congress Cataloging-in-Publication Data A catalog record of this book is available from the Library of Congress. No Starch Press and the No Starch Press logo are registered trademarks of No Starch Press, Inc. My New is a trademark of No Starch Press, Inc. Other product and company names mentioned herein...
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...Report on Bangladesh Electronic Fund Transfer Network: A Study on Prospect of Payment and Settlement System in Bangladesh Prepared by Kafil Uddin Muhammad Zahid Mahmud ID: 80802062 Supervisor Professor (Dr) Khondoker Bazlul Hoque Department of International Business University of Dhaka Date of Submission: November 26, 2015 Department of International Business University of Dhaka November 26, 2015 Professor (Dr) Khondoker Bazlul Hoque Department of International Business University of Dhaka Subject: Submission of Internship Report. Dear Sir With due respect and humble submission I beg state that I want to submit my internship report consist of “Bangladesh Electronic Fund Transfer Network: A Study on Prospect of Payment and Settlement System in Bangladesh” as the study part of which you had assigned me for fulfillment of the course “Internship” of Evening MBA program. May I note here that, there will be no dearth of sincerity on my part to bring the issue under study into proper focus. However, I would like to request you to consider if any error is found in my report. Finally, I would like to request you to permit me to conduct the research on my proposed topic and submit my report on that. Thanks in advance for your kind assistance and advice in this connection. Yours obediently, Kafil Uddin Muhammad Zahid Mahmud ID. 80802062 2nd Batch, Department of International Business University of Dhaka Contact No. 01715720770 Email: kafil_uddin@yahoo.com ii | P a g e ACKNOWLEDGMENT...
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...A Project Study Report On Training Undertaken at HDFC Bank Ltd Titled RETAIL LOAN & PARA BANKING PRODUCT IN HDFC BANK LTD. Submitted in partial fulfillment for the Award of degree of MASTER OF BUSINESS ADMINISTRATION |Submitted by |Submitted to | |Abhimanyu Singh Rathore |Mrs. Dhwani Mishra | |MBA Part IV |Faculty Member | 2007-2009 IILM Academy Of Higher Learning, Jaipur Campus (Affiliated to the University of Raj. & Raj. Technical University, Approved by AICTE, Ministry of HRD, Govt. of India) Preface It’s my pleasure and delight to bring out a comprehensive and concise study in organization about RETAIL BANKING System. This study will help in identifying the strength and weakness of the BANKING and also working a quick comparison with ICICI Bank. It will help in taking strategic decision. I’m highly grateful to Mr. Amit Sharma and my helping co trainees. There are innumerable persons who have contributed in brining out this study report of Banking System in India with Specific reference to HDFC Bank Ltd. Acknowledgement I express my sincere thanks...
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...SUMMER TRAINING REPORT SUBMITTED TOWARDS THE PARTIAL FULFILLMENT OF POST GRADUATE DEGREE IN INTERNATIONAL BUSINESS CREDIT APPRAISAL AND RISK RATING IN PUNJAB NATIONAL BANK SUBMITTED BY: KRITIKA ARORA MBA-IB (2009-20011) Roll No. : A1802009075 INDUSTRY GUIDE FACULTY GUIDE Mr. ARUN KUMAR NIJHAWAN Mr.AJIT MITTAL SENIOR MANAGER SENIOR FACULTY AMITY INTERNATIONAL BUSINESS SCHOOL, NOIDA AMITY UNIVERSITY – UTTAR PRADESH [pic][pic] CREDIT SECTION, CIRCLE OFFICE: DELHI, 4th FLOOR, RAJENDRA BHAWAN, RAJENDRA PLACE, NEW DELHI TELE; 25744450 Fax: 25731252 ------------------------------------------------------------------------------------------------------------------------------------------------------------ TO WHOM IT MAY CONCERN This is to certify that KRITIKA ARORA, a student of Amity International Business School, Noida, undertook a project on “CREDIT APPRAISAL AND RISK MANAGEMENT” at PUNJAB NATIONAL BANK from 1st May to 30th June. Ms.KRITIKA ARORA has successfully completed the project under the guidance of Mr.ARUN KUMAR NIJHAWAN. She is a sincere and hard-working student with pleasant manners. We wish all success in her future endeavors. Mr. ARUN KUMAR NIJHAWAN Senior Manager Circle Office Delhi Punjab National Bank CERTIFICATE OF ORIGIN This is to certify...
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...List Enabling Connections 3 4 5 6 7 8 9 10 11 12 13 14 15 34 2 Rhinegeist is a brewing company located in Over the Rhine, Ohio. Founded by Bob Bonder and Bryant Goulding in 2013, Rhinegeist embraces the heritage and culture of the Over the Rhine. Their brew house was established in an old brewing facility built in the 1890s. Rhinegeist translates to “The Ghost of Rhine”, which comes with deep heritage of Over the Rhine. Rhinegeist wants to bring the tristate area together through enabling connections with their brew house. Through this, Rhinegeist will revive the community in Over the Rhine. However, they are still trying to attract customers from the northern Kentucky region. Enabling Connections 3 Summary of SWOT Analysis Rhinegeist is a local brewing company ran by Bryant Goulding and Bob Bonder. Rhinegeist produces and sells a wide variety of unique crab beers and ciders. Their target customers consists of millennials in the local tristate area who enjoy crab beers and ciders. Rhinegeist is currently positioned as a unique flavored local crab beer with brew house heritage. The average price of a Rhinegeist six-pack is around $9.99. Rhinegeist is also an experience, as they also offer tour services in their brew house. Major competitors of Rhinegeist are: MadTree, Budweiser, and River town Lagerhouse. Being pert of an extremely saturated market, Rhinegeist must to communicate the value of their crab beers compared to others. By...
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...[pic] Term Paper: On Cash Flow Statement of DBBL Date of Submission: Term paper on Of Dutch Bangla Bank Limited [pic] Supervised By- Tahamina Hossain Lecturer Dept. of Accounting Mohammadpur kendriya college, Dhaka. Prepared by- Md. Alamin Khan Exam. Roll. 9596583 Exam. Reg. 1649101 Session: 2009-2010 Dept. of Accounting Mohammadpur Kendriya college, Dhaka Date of Submission: Letter of Transmittal 18 April, 2013 Tahamina Hossain Lecturer Dept. of Accounting Mohammadpur kendriya college, Dhaka. Subject: Submission of the Term paper. Dear Sir, It is my great pleasure to submit the internship term paper titled Financial statementas per requirement of BBA program. I have completed in term paper on Dutch Bangla Bank. The term paper has given me the opportunity to learn about different aspect of a reputed organization. Before facing the real economic world, I have gathered pre idea about the organization culture. Both the primary and secondary data have been used to prepare this term paper. A customer survey was conducted for getting real information from the customers who have already taken various services from the bank. I have acquired the valuable experiences through this term paper under supervision of you. I would like thank you and the University for giving me the opportunity to do term paper and for helping me to prepare the term paper. Sincerely yours, Md. Alamin Khan Exam. Roll. 9596583 Exam. Reg. 1649101 Session:...
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...Mobile Payments: Problem or Solution? Implications for financial inclusion Mike George, Linda Lennard and Kate Scribbins Foundation Further information This report and a summary version are available as a pdf from www.friendsprovidentfoundation.org. The summary is also available in print from Friends Provident Foundation, Pixham End, Dorking, Surrey, RH4 1QA (foundation.enquiries@friendsprovident.co.uk and www.friendsprovidentfoundation.org). Published 2013 by Friends Provident Foundation Pixham End Dorking Surrey RH4 1QA © AnKa 2013 ISBN 978-1-908769-08-4 (pdf ) All rights reserved. Reproduction of this report by photocopying or electronic means for non-commercial purposes is permitted. Otherwise, no part of this report may be reproduced, adapted, stored in a retrieval system or transmitted by any means, electronic, mechanical, photocopying, or otherwise without the prior written permission of Friends Provident Foundation. Friends Provident Foundation Friends Provident Foundation is a grant-making charity working to create the conditions throughout the UK for improved access to appropriate financial services for those who are currently excluded, particularly those on low incomes or otherwise vulnerable to market failure. It particularly wants to encourage thinking that deals with the causes of the problem. Established as part of the demutualisation of Friends Provident Life Office in 2001 and the flotation of Friends Provident plc, it is independent and has its own board...
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...INTERNSHIP REPORT ON Measuring customer satisfaction by using SERVQUAL Dimensions in Dutch-Bangla Bank Limited INTERNSHIP REPORT ON Measuring customer satisfaction by using SERVQUAL Dimensions in Dutch-Bangla Bank Limited Submitted To: Madam Usmita Afrose Associate Professor Department of Marketing University Of Dhaka Submitted By: Kaniz Fatema Roll: 82 Batch: 15th Department of Marketing University of Dhaka Date of Submission: 03 April, 2013 Letter of Transmittal April 03, 2013 Usmita Afrose Associate Professor Department of Marketing University of Dhaka Subject: Submission of Internship Report. Dear Madam, It is a great pleasure and privilege to present the internship report titled “Measuring Customer Satisfaction by using SERVQUAL Dimensions in Dutch Bangla Bank Ltd” which was assigned to me as a partial requirement for the competition of BBA Program. Throughout the study I have tried with the best of my capacity to accommodate as much information and relevant issues as possible and tried to follow the instructions as you have suggested. I tried my best to make this report as much informative as possible. I sincerely believe that it will satisfy your requirements. I however sincerely believe that this report will serve the purpose of my internship program. I am grateful to you for your guidance and kind...
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