Thursday, May 21, 2020

Sony Play Station Security Breach Essay - 1164 Words

It is almost impossible to find the top reasons why most security breaches happen on a secure network compromising hundreds to thousands of users’ personal information. This happens today more often than one would like to think and the consequences are astronomical for users, employees and customers of the companies. To protect a network and thoroughly secure confidential information, one has to examine the top vulnerabilities and think outside of the normal box to protect the network. When a security breach happens, there is usually a pretty simple reason why it has happened. This paper will discuss one of the highly publicized security breaches to happen in years, the Sony PlayStation Network Qriocity music and video service that†¦show more content†¦Finally a third incident happened involving the loss of 2,500 user’s names and addresses which was determined to have be a leak from the electronics division of Sony. (www.frost.com/prod/servlet/market-insi ght-to[.pag?docid=233020589). A total of three security breaches in three weeks amounted in over 100 million users having their personal information stolen makes customers’ faith in Sony grow to an all time low. Millions of customers are asking how this could have happened and what is Sony doing to recover from this. There are many issues that could have led to Sony’s breach in security which include: †¢ Deploying the right security products – IT security today has a wide range of technologies that are aimed specifically at lowering risks and threats. †¢ Coping with business growth and expansion – While companies are acquiring others at a rapid rate of speed to drive growth for businesses, these companies are letting their information management systems lag behind in growth. †¢ The nature of the breaches – Sony is still having ongoing investigations into why their security breach happened, application-layer attacks attributed to the first two breaches. This makes one wonder if Sony took the appropriate measures when structuring their security defenses against such attacks. Safeguarding personal information has become more difficult than ever before with so many services on the internet that require you to enter your personal information for manyShow MoreRelatedMassive Breach At Sony Play Station945 Words   |  4 PagesTitle: Massive Breach at Sony Play Station By Durga Sravani Nandyala Northeastern University, College of Professional Studies Submitted to: Prof. Jason Black Abstract An analysis on the massive data breach on Sony play Station. This document has been presented as an academic exercise. This document would include the causes of the incident, Sony communication to the breach with customers, customer impact on Sony and finally steps taken by Sony in their recovery from the breach. Keywords:Read MoreInternet Technology, Marketing, and Security: Security Breach Faced by Sony Corporation1774 Words   |  8 PagesTechnology, Marketing, and Security: Security Breach Faced by Sony Corporation BUS 508: Contemporary Business Assignment 4 Strayer University November 25, 2011 Introduction In the global marketplace, to attract the customers and provide relevant information to the customers, internet is used by most of firms as a promotional tool. In this, web-sites, social networking sites, etc. are used by the firms to communicate with the customers. Although, many security tools and techniques are usedRead MoreThe Security Practices Of A Security System1980 Words   |  8 Pagesimplementing a security system in the early stages of development. Another challenge that systems are facing, is how data has been collected and generated. With new ways of storing data a big number of rules are outdated thus data is vulnerable to privacy loopholes. 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Sony (B) – more structural changes at the high-tech multinational. Web Reservations International – growth of an Irish SME company through its online reservation system and business model. NHS Direct – using communication and information technology to provideRead MoreSocial Legal and Economic Impact of Ebusiness in Ireland13799 Words   |  56 Pagesform of higher security risk. A far greater no of people have access to an eBusiness through the internet than they would have to a tradit ional business. In order to keep customer and business information safe, there are various methods of protecting an e-business which include physical security measures as well as data storage, data transmission, anti-virus software, firewalls, and encryption to list a few. 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(b) The demand for computer games increased by 45% in 2007. A shift in demand, caused perhaps by more parents buying them, will be shown by a shift in the demand curve to the right from D1 to D2. The numbers of gamesRead MoreNokias Human Resources System144007 Words   |  577 PagesForm 20-F 2010 Nokia Form 20-F 2010 As filed with the Securities and Exchange Commission on March 11, 2011. UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 20 ­F ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2010 Commission file number 1 ­13202 Nokia Corporation (Exact name of Registrant as specified in its charter) Republic of Finland (Jurisdiction of incorporation) KeilalahdentieRead MoreBest Buy S Turn Around Strategy13959 Words   |  56 Pagesyears saw continued expansion through additional locations, new product lines, and novel promotional techniques. For example, in 1979 Sound of Music became the first supplier of video and laserdisc equipment from companies such as Panasonic, Magnavox, Sony, and Sharp. After a tornado hit the Roseville, Minnesota, store in June 1981, the company responded with a â€Å"Tornado Sale,† which became an annual event, storm or no storm. This strategy boosted Sound of Music’s average sales per square foot to $350

Wednesday, May 6, 2020

The Warming Of Relations Between Cuba And The United States

A controversial subject,yet not spoken about enough,the warming of relations between Cuba and the U.S exists only due to the two countries having a rough past with each other. This â€Å"rough past† consists of aspects such as the protectorate status the U.S had previously put onto Cuba, which severely limited their independence and the U.S had, ironically, just helped them achieve. Some take a stance that we as countries should stay distant from each other due to our vast governmental and cultural differences,and that reparations,due to this rough past between the two, render repairs impossible. Though this believed for valid reasons, good relations between the two countries harbors a number of benefits including, but not limited to: improved trade with Cuba,as well as other countries outside of Cuba, improving government for Cuba, and opening of jobs in both Cuba and the United States. For these reasons, the good immensely outweighs the possible bad in improving relations b etween the two, and both should continue efforts to achieve this goal. To go in depth on why the two countries have a rough past would lead all the way back to the cold war. In 1959, the famous leader Fidel Castro and a group of revolutionaries â€Å"seized power in Havana† and in turn â€Å"overthrowing Fulgencio Batista†(U.S-Cuba Relations). Despite disagreeing with Castro’s communist regime, the U.S recognized Cuban government. Castro then increased trade with the Soviet Union, Nationalized U.S ownedShow MoreRelatedThe United States1267 Words   |  6 PagesFollowing nearly six decades of severed diplomatic relations, President Obama announced in September 2015 that the United States would loosen a variety of economic restrictions on Cuba. This announcement came in the wake of a â€Å"diplomatic thaw† beginning in December 2014 with the intention of normalizing political, social, and economic relations between the two nations. While Cuba remains under restrictions imposed by the 1960 Cuban Embargo, the steps taken by the Obama administration represent aRead MoreU.s. Cuba Relations : A Discussion Of Constructivism And Realism1329 Words   |  6 PagesU.S. – Cuba Relations: A Discussion of Constructivism and Realism During the Cold War, relations between Cuba and the United States were icy. Cuba was allied with the USSR, America’s enemy, and was well within their sphere of influence. With events like the failed Bay of Pigs invasion and the Cuban Missile Crisis happening on their soil, Cuba was at the center of the Cold War. Between ideological differences and their alliance with Russia, Cuba became an enemy of America as well. It took the effortsRead MoreThe Cold War and US Diplomacy1296 Words   |  5 Pageschief for a brief period of years, not even fulfilling a full term, he was extremely beloved. Not just for the work that he completed in the United States, such as founding the Peace Corps, but for his strategic and diplomatic relations with what were often extremely tense diplomatic relations. One of the most famous incidents of precarious international relations was the Cuban Missile Crisis; it was during this occasion that Kennedy had to use strategic and rock solid diplomatic tec hniques. The CubanRead MoreU.s. Foreign Policy Policies Essay1119 Words   |  5 Pagesmany immigrated citizens coming into the United States every year. However, we question the ones who are undocumented immigrants. The United States has concerns about the Islamic State group who grows every day. Greenhouse gases or carbon is destroying the society by producing carbon, which traps heat into our earth. 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The Western Bloc consisted of the United States and the allies in the National Atlantic Treaty Organization (which was formed 2 years after the war had started). The Eastern Bloc consisted of the Soviet Union (now Russia) and other communist countries like Cuba. The reason the Cold War got its name as a war that cold is because there were no large battles ever fought, it was a war of technological advancesRead MoreThe U nited States And Soviet Union Essay1654 Words   |  7 Pageswhich saw massive shifts in the administrations of the United States and Soviet Union, maintained an atmosphere of suspicion, wariness, and skepticism. This theme of uncertainty and caution was the logical product of decades of both American and Soviet duplicity, confrontation, and militarization. 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But the collapse of communism did not end all the anxieties present during the Cold War era. The transition in Eastern Europe and the Soviet Union proved rocky, and Westerners realized that despite their lofty global place, they could no longer keep the rest of the world at arm’s length. 2.By the first decade of the 21st century, People’s Republic of China, Cuba, Laos, Vietnam, and North KoreaRead More Hugo Chavez: Love Him or Loathe Him? Essay4572 Words   |  19 Pagessaid Chavez, that if anything happens to me, the person responsible will be the President of the United States (â€Å"Defying U.S., Venezuela’s Chavez Embrace Socialism†). Who is Hugo Chavez? And why would he have the audacity to regard himself as a threat -- indeed, a lethal threat -- to the most powerful country on earth? And does he really believe he is so dangerous in the eyes of the United States that he would be viewed as a candidate for extermination? Hugo Chavez is the duly elected

Endgame Free Essays

Endgame The Hegelian definition of tragedy is defined as good intentions will collide in a finite area where those good intentions will develop a tragedy. Beckett’s Endgame can be included within the definition of the Hegelian tragedy. Both main characters in the play had good intentions, but were formed through obligations. We will write a custom essay sample on Endgame or any similar topic only for you Order Now These good intentions through obligation made the novel suitable to be a Hegelian tragedy. The characters good intentions were shown throughout the play. Both Hamm and Clove depended on each other to survive. They were both afraid to leave each other and be left alone. Clove admits that Hamm became a father figure to him and he once loved him but not anymore, but he has nowhere else to go. Also Hamm points out that Clove stays with him out of compassion. Nagg depends mostly on his wife, Nell. He would only wake up from his garbage bins to tell the same story to his wife and attempt to give her a kiss. However Nell dependency is the past. Nell in the play represents life where in this type of story it is unlikely to see. The script and the film made Hamm’s parents look more childlike and pet like. The play had several themes, which consist of emptiness, loneliness, and the overall nature of beginnings and endings in other words- life and death. The repeated lines such as â€Å"finished† and â€Å"zero† represents Hamm, the protagonist, wanting to welcome in death but he is too scare to finish the â€Å"endgame†. The script made me think the characters were trapped in this small dark hole full of nothingness, which emphasizes the emptiness of the play. However, in the film there was light coming from the two windows. Outside the windows, there is â€Å"zero† nature, which also helps to illustrate the emptiness of play. Another example of emptiness being represented in the play, is that there was absolutely no sound coming from the outside or inside in the film, except for the character’s voices. The killing of the rat and flea demonstrates the beginnings and endings of the play. Hamm told Clove to kill the flea because he is afraid of the rebirth of humanity. The stage directions in the script represent Hamm and Clove’s fear of escaping. In the film, when Hamm directs Clove to move him back to the center of the room after being pushed around the room, is one example of Hamm’s fear of escaping the room. Another example is Clove’s failed attempts to leave the room to go to the kitchen. In the film, it showed Clove’s many hesitations before leaving the room. Even though the characters had good intentions to help each other survive the â€Å"endgame†, the tragic flaws were overpowering. Nagg mentions in the play that since birth Hamm has always being afraid of loneliness. Clove finally had courage to escape but eventually returns because he didn’t have enough courage to end one thing and start a new beginning somewhere else. Hegelian tragedy suited the Endgame because the characters good intentions collided in this finite dark hole. How to cite Endgame, Essay examples

Sunday, April 26, 2020

Similarities and differences of The Book of Dede korkut and Layla and majnun

There are several similarities and differences between the two stories; ‘How Basat killed Goggle-eye,’ and the story of ‘Layla and Majnun.’ This essay will focus on the similarities and differences in these stories. Focus will be on the theme of religion which is evident in the two stories. The essay focuses on the Islamic background evident in both stories.Advertising We will write a custom essay sample on Similarities and differences of The Book of Dede korkut and Layla and majnun specifically for you for only $16.05 $11/page Learn More One of the themes in the story of ‘how Basat killed Goggle-eye,’ is religion. This theme is portrayed right from the beginning of the story where a boy is rescued from the lions in the wild and is given the name Basat by Dede Korkut. He is then told that God was going to give him a long life. In his effort to kill Goggle-eye, the ogre, Basat invokes the name of Muhammad before driv ing a pointed rod into his eye and renders him blind. This is proof that Basat was a Muslim . The theme is also evident when Basat escapes the hand of Goggle-eye while in the cave and clarifies that it was his God who had saved him. The same happens when Google eye attempted to get at Basat by tricking him to take a ring from his finger. He had claimed that it the ring had the capacity to protect him against any sword or arrow. When Google-eye asks him how he had managed to escape from being killed, he clarifies that God had saved him.  In his attempt to kill Basat Goggle-eye tries to trick him into getting in the vault so as to seal it and prevent the cooks from stealing the treasure that was inside. Goggle-eye shuts the vault’s door and vows to shake the vault and crush him, but Basat mentions that there is no other god but God and that Muhammad is his messenger. This is a major precept of the Islamic faith which brings out the theme of religion in the story. Every time t hat he escapes from the ogre he mentions to Goggle-eye that his God had saved him. On the other hand, Goggle-eye in distress mentions that the Almighty ought to rob Basat of his sweet life for rendering him blind. He also prays that God never gives such pain in the eye to anyone. Upon killing Goggle-eye, Dede Korkut blesses Basat by saying that God Almighty grants him honor and glory for saving the nobles.  In the story of Layla and Majnun, the theme of religion is also evident. Sayyid, for instance, is portrayed as a rich chieftain who has a lot of wealth but does not have a son. He keeps praying to God that he gives him a son to be his heir. God finally answers his prayer by giving him a handsome boy whom he names Qays. Qays is later referred to as Majnun, due to his obsession with Layla. At some point he becomes desperate and feels that he has lost everything as he can not see the love of his life. He then requests God to take his life as he no longer has passion for life. He f eels that he has been disgraceful to his people.Advertising Looking for essay on comparative literature? Let's see if we can help you! Get your first paper with 15% OFF Learn More The theme of religion is also portrayed when people are expected to go to Mecca to pray to God for blessings. Majnun’s father, after seeking advice, decides to go to Mecca to pray for his son’s cure from the strange obsession. Majnun on the contrary refuses to pray for the cure but instead prays that his love for Layla increases and that he never cures from love. This clearly indicates that the people believe in God and are Muslims in particular. Soon after Layla dies, Majnun mourns over her and asks God to take him as this was going to ensure that he gets to be besides the girl that he treasured most.  In both stories, God is perceived as the one who has solutions to the trouble of men and can bless them. In the story of ‘How Basat killed Goggle-eye,’ God is perc eived as the protector of those in need as Basat always mentions that was God who had saved him from the schemes of Goggle-eye. In the second story of Layla and Majnun, God is seen as the only hope for humanity. When Majnun’s obsession increases, the only hope for his salvation remains to be God and this prompts his father to seek for God’s intervention at Mecca. In the first case, solutions to the existing problem are found as Basat manages to escape all the snares of Goggle-eye and kills him, hence saving his people. In the second case however, Majnun,s obsession is not cured and he dies without marrying the girl of his dream, while his parents die without having their son with them as he decides to reside in the wild with animals. The theme of religion is prominent in these two stories and the religion represented is Islam. This can be deduced from the terms that are used in reference to God as well as the religious ceremonies that are performed by the inhabitants. One of the religious ceremonies involve going to Mecca to seek God’s blessings and pray. When Majnun’s problem prevails for long, his father opts to visit Mecca to seek intervention. This is a religious ceremony carried out by Muslims . In the story of ‘How Basat killed Goggle-eye,’ Basat mentions to Goggle-eye that there is no other god but God and that his Messenger is Mohammed. This indicates that the story was written in an Islamic background as this is associated with this religion. While she is about to die, Layla requests to be dressed in her bridal gown hoping that when she dies she will get an opportunity to be close to her beloved, Majnun, as he was going to come to her grave to mourn over her. When she dies Majnun surely visits her grave and mourns for a long time. It is in fact believed that while crying the flowers around the grave turned red. It does not take long before Majnun’s death.Advertising We will write a custom essay samp le on Similarities and differences of The Book of Dede korkut and Layla and majnun specifically for you for only $16.05 $11/page Learn More This whole episode points to the theme of religion. In the Islamic faith, it is believed that there is life after death. This is evident in Layla’s request to be dressed in her bridal gown so as to meet her beloved while she is dead. After mourning over her, Majnun also dies and it is believed that he has followed Layla to the other world . While revealing his identity to Goggle-eye, Basat says that when he stumbles in the dark his watchword is God, which indicated that he believes in a supernatural being to guide him. In Islamic culture, the aspect of arranged marriages is common as opposed to that which is based on mutual attraction or love. From the story it is evident that Layla and Majnun have deep affection for each other. Their dream to be together is however shattered when Layla’s parents refuse to allow their daughter to marry Majnun even though they are in love. She is instead married off to another man whom she does not love . No wonder she vows never to share the same bed with him. She perceives herself as a prisoner when compared to Majnun who has all the freedom to go wherever he wanted. She feels more tormented than Majnun and longs to set her eyes on him or hear from him. When she dies she hopes to be joined by him later. This is a clear indication that she never really loves her husband but was in love with Majnun, and that she had been forced into an arranged marriage against her will. In the Islamic religion, a woman can not be allowed to marry any man against the will of the parents .  The two stories are however different in the sense that the story of ‘how Basat killed Goggle-eye’ focuses on Heroism while that of Layla and Majnun focuses on Romance. In the first case Majnun is presented as a young man born in a well-off family who loses his senses due to the obsession he has towards Layla. He does everything possible to show how much he is in love with her, yet his behavior causes his kinsmen disgrace as he is perceived as a madman.  This prompts Layla’s father to distance her daughter from Majnun’s so as to ensure that he does not get to her. In the second case however, the story focuses on the heroic acts of Basat who uses his skills and faith in God to eliminate Goggle-eye, the ogre, who was exploiting his people by demanding for humans and livestock to satisfy his immense greed. Basat uses his wits in finding out the way by which this monster can be killed and when he manages to do that, the villagers rejoice and bless him for being brave and for saving his people .Advertising Looking for essay on comparative literature? Let's see if we can help you! Get your first paper with 15% OFF Learn More Works Cited GanjavÄ «, Niá ºâ€œÃ„ mÄ «. Layla and Majnun. New Delhi: Omega Publications, 1997. Print Lewis, Geoffrey. The Book of Dede Korkut. New York: Pinguin, 1998. Print. This essay on Similarities and differences of The Book of Dede korkut and Layla and majnun was written and submitted by user Jenny Andrews to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

Wednesday, March 18, 2020

Financing Value Chains a Case of Crdb Bank Plc Essays

Financing Value Chains a Case of Crdb Bank Plc Essays Financing Value Chains a Case of Crdb Bank Plc Essay Financing Value Chains a Case of Crdb Bank Plc Essay Essay Topic: Chains â€Å"DEVELOPING AND FINANCING EFFECTIVE AGRICULTURAL VALUE CHAINS† Experience from CRDB Bank Plc Samson Keenja, CRDB Microfinance Services Company Limited, Dar es salaam, Tanzania INTRODUCTION Agriculture is the leading economic sector in Tanzania, providing a livelihood to 80% of the population. It is the primary source of food and raw materials accounting for 50% of the GDP and a leading export sector. It remains important for achieving sustained growth, poverty reduction and rural development. Agriculture in Tanzania is dominated by smallholder farmers (peasants) cultivating an average farm sizes of between 0. 9 hectares and 3. 0 hectares each. About 70 percent of Tanzania’s crop area is cultivated by hand hoe, 20 percent by ox plough and 10 percent by tractor. It is rain fed agriculture. Food crop production dominates the agriculture economy 5. 1 million ha. are cultivated annually, of which 85 percent is under food crops. The major constraints facing the Agriculture sector includes. 1. The falling labour and land productivity due to application of poor technology. 2. Dependence on unreliable and irregular weather conditions. Crops are adversely affected by periodical droughts. 3. Unreliable markets for the farm produce, affected not only by the principles of demand and supply but also by the Government policies on food security. 4. Poor road infrastructure for supply of farm inputs and transportation of farm produce to the markets. In Tanzania, most of production, processing and marketing functions have been assigned to the private sector. : However despite efforts by the private sector in investing in processing of crops yet a substantial amount of crops are sold unprocessed including crops such as cashew nuts and cotton. Agricultural value chains are becoming more complex over time due to change in the market environment driven by various factors among them being changes in demand, regulations, government policies and changes in lifestyles. As a result of these changes then product and market standards change which in turn, require changes from various actors in the chain that supply these products including their inputs to meet arket requirements. A critical input in the business of creating value in these changing agricultural chains is finance. Financial products need to also respond to the changing market requirements in the output markets. Mechanisms in terms of improving effectiveness of financial products, access and repayment need to be examined (Southeast Asian Regional Conference Value Chain Financing, 2007). What is a value chain? In order for a product to reach the consumer or user, there often are many processes or steps involved. Each step must have a direct link to the next in order for the processes to form a viable chain. At each stage, some additional transformation or enhancement is made to the product. Hence, a value chain is often defined as the sequence of value-adding activities, from production to consumption, through processing and commercialization. Value chains, or supply chains, in agriculture can be thought of as a â€Å"farm to fork† set of processes and flows – from the inputs to production to processing, marketing and the consumer. Each segment of a chain has one or more backward and forward linkages. A chain is only as strong as its weakest link and hence the stronger the links, the more secure is the flow of products and services within the chain (Calvin Miller and Carlos da Silva, Food and Agriculture Organization, Rome) Value chain in summary: [pic] Source: Paper on â€Å"Value Chain Financing in Agriculture† by Calvin Miller and Carlos da Silva FINANCING EFFECTIVE AGRICULTURAL VALUE CHAINS Finance is critical to increasing efficiency, improving product quality, and raising the productivity and income of value chain actors. Without access to finance, small farmers will continue to make little investment, have low of actors in the agricultural value chains financed by CRDB Bank; 1. INPUTS PRODUCTION: AMCOS, FARMER GROUPS, SACCOS, UNIONS and small to medium agribusiness entities. . PROCESSING: CURING COMPANIES, GINNERY COMPANIES and CASHEWNUTS PROCESSORS. 3. DISTRIBUTION: Loans to meet (1) transportation cost of inputs to farmers (2) meeting transport costs of harvested produces to factories, storage areas or market place. DEVELOPING EFFECTIVE AGRICULTURAL VALUE CHAINS CRDB Bank has been participating in developing effective agricultural value chains through variety of ways. In an effort to offer better services to our clients, special departments and in other case establishment of a dedicated Company to serve certain type of clients has been established. Our agriculture customers who fall in the value chain are normally segmented in the following categories (1) Microfinance customers (2) SME’s customers and (3) Corporate customers. In all three segments above, efforts are made by the bank into ensuring that there is effective agricultural value chain that address default risks while in turn reduce production unit cost, increase production volume while strives to add value in the chain. Activities that are aimed into attaining this are: ? Engage in promotion and establishment of various farmer cooperative societies such as AMCOS, SACCOS and UNIONS. Provision of technical assistance to these associations ? Assist in product designing ? Infrastructures loans such as for building irrigation system, warehouses and office buildings. ? Training and coaching our customers plus their staffs SAVINGS AND CREDIT COOPERATIVE SOCIETIES (SACCOS) are exclusively served by the CRDB Microfinance services Company Ltd, a subsidiary of CRDB Bank P lc that has been established specifically to serve micro-entrepreneurs through financial intermediaries. To develop the MFI the Company undertakes sensitization of the communities to establish microfinance institutions in areas with demand for financial services but without a financial institution. On the other hand, it takes onboard weak local microfinance institutions, building their capacities to offer tailor made products and services that really address the needs of their communities. The Microfinance Institutions, benefits by receiving free: 1. Technical assistance 2. Capacity building 3. Marketing as well as 4. Product design assistance. On the other, hand the Company initiate and manage microfinance loans on behalf of the Bank. These loans include agriculture loans (for farm inputs and cultivation), equipment loans for powertillers, tractors and irrigation systems, stock finance loans and office building loans. The Company has a team of dedicated staffs who are responsible for providing technical assistance to the affiliate intermediary institutions on regular basis, capacity building assistance and marketing assistance. They are also responsible for guiding the MFIs in accessing banks products and services. Farmer’s Groups, AMCOS, UNIONS, Company’s and Individuals engaged in agricultural activities are served by two departments of the Bank depending on their size  and credit requirement. Those departments are the Small and Medium Enterprises (SME) and Corporate Department. Customers served by SME are those with loan requirement of up to TZS 200 million. Customers with loan requirement above that amount are served through the Corporate Department of the bank. It has been realized through experience that capacity building before lending especially to those taking loans for the first time is vital for effective utilization and management of the loans. Therefore, training is conducted to the beneficiaries to improve their entrepreneurial skills but also in business management to ensure loan repayment. . CRDB FINANCING TO DIFFERENT ACTORS [pic] EXAMPLES OF PRODUCT AND SERVICES OFFERED BY CRDB BANK TO ACTORS IN DIFFERENT VALUE CHAINS Examples of products and services offered by CRDB Bank Plc to various agricultural value chains: A) PADDY VALUE CHAIN S/N |VALUE CHAIN STAGE |PRODUCTS/ SERVICES OFFERED | |1 |Crop production |Farm development loans | | | |Farm maintenance loans | | | |Powertiller/tractor loans | |2 |Storage |Stock finance loans | |3 |Processing |Loans to millers | |4 |Distribution |Loans to cover transportation costs | | | |Crops purchase loans | | | |Loans to buy transportation vehicles | B) COFFEE VALUE CHAIN: S/N |VALUE CHAIN STAGE |PRODUCTS/ SERVICES OFFERED | |1 |Crop production |Farm development loans | | | |Farm maintenance loans | |2 |Processing |Loans to curing companies | |3 |Distribution |Loans to cover transportation costs | | | |Crops purchase loans | | | |Loans to buy transportation vehicles | | | |Loans to cover export costs (CIF costs to the buying | | | |country) | | | |Crops purchase | C) SUGARCANES VALUE CHAIN: S/N |VALUE CHAIN STAGE |PRODUCTS/ SERVICES OFFERED | |1 |Crop production |Farm development loans | | | |Farm maintenance loans | |2 |Harvesting |Loans to purchase harvesting equipments e. g cane loaders | | | |Loans to buy transportation vehicles to ship canes from | | | |farms to factories | |3 |Processing |Loans to sugar factories | |4 |Distribution |Loans under SME to distributors who sells sugar to retailers| D) TOBACCO VALUE CHAIN: S/N |VALUE CHAIN STAGE |PRODUCTS/ SERVICES OFFERED | |1 |Crop production |Inputs purchase loans | |2 |Harvesting |Burns constructions loans | |3 | Processing |Loans to tobacco factories | [pic] SOME NOTED CASES ON IMPACT OF FINANCING THE VALUE CHAINS Sugarcane Financing Bank has been financing sugarcane production in various stages of the value chain from production to delivery at factory. One example is that of financing farmers at Turiani ward in Morogoro region through their TUR SACCOS by providing them with loans for farm development, maintenance and transportation to factory. The result of financing in the past seven years has been remarkable as shown in the table below. It will be noted that between 2007 and 2008 there was a rapid increase in all aspects of production, this was contributed by the decision by the Company to finance farmers (through their group) to purchase grab loaders equipment to facilitate harvesting of sugarcane. As in the previous years, not all sugarcanes from outgrowers farmers were being harvested to due lack of equipment despite higher demand from factory. This was causing farmers to lose their crops and those who harvested late after start of the rain season obtained lower renderment and thus lower returns. |SUGARCANE PRODUCTION TREND AS A RESULT OF SACCOS FINANCING TO OUTGROWERS- TUR SACCOS | |   |   |2002 |2003 | |1 |Price during Harvest (100kgs) |35,000 |100 | |2 |Price at selling time after storage(100kgs) |70,000 | | |5 |Production per acre before WRS (tons) |1. 6 |100 | |6 |Production per acre after WRS (tons) |3 | | SECTOR WISE DISTRIBUTION OF CRDB BANK PLC LOAN PORTFOLIO Agriculture and Livestock constitute the largest portion of the CRDB Bank Loan portfolio with 21%, however by considering financing of the value chain then three sectors will be involved of microfinance, manufacturing/processing and agriculture with a percentage of about 34%. CONCLUSION Through financing the agriculture value chain by considering the different actors from small farmers to corporate agribusinesses it is possible to overcome the challenges o f agriculture in a country. This can only be possible through innovative approaches to serve the different segments by considering their differences in their activities, finance requirements, understanding of farming business and management of loans. It has also been proved beyond doubt that access to finance to the different actors has helped in reducing production unit cost, increase production volume while adding value in the chain. Corporate PHYSICAL FLOWS SME Corporate CRDB Microfinance Corporate CRDB BANK PLC STORAGE AMCOS. GINNERY COMPANIES AND CASHEWNUT PROCESSORS DISTRIBUTION TRANSPORTERS PROCESSING CURING COMPANIES GINNERY COMPANIES AND CASHEWNUT PROCESSORS INPUTS PRODUCTION AMCOS, FARMERS GROUPS, UNIONS, SACCOS, Agribusiness entities CRDB Microfinance SME

Monday, March 2, 2020

Transitive Verbs

Transitive Verbs Transitive Verbs Transitive Verbs By Maeve Maddox The grammatical term â€Å"transitive verb† occurs in numerous posts on this site, usually with a reminder of what it means, but perhaps a dedicated post will be useful to readers who remain shaky on the concept. Note: To keep this post focused on the concept of transitive verbs and their direct objects, I am not going to mention terms that apply to other kinds of objects or verbs. The prefix trans occurs in many English words. It’s from Latin transire, a combination of the Latin preposition trans, â€Å"across† and the infinitive ire, â€Å"to go.† English words beginning with trans usually have something to do with moving something â€Å"across† to something or someone else. For example: transatlantic: passing or extending across the Atlantic Ocean. transcribe: to make a copy of something in writing; to copy out from an original, i.e., move the original writing â€Å"across† to another place. transfuse: to pour a liquid from one vessel or receptacle into another. In the case of blood, cause to flow from the donor or bag â€Å"across† to the recipient. The trans in â€Å"transitive verb† indicates that the action of an action verb carries across to a receiver of the action. The receiver that receives the action of a transitive verb is called its â€Å"direct object.† The dog bit the intruder. (Bit is an action verb. Intruder receives the action.) The batter hit the ball out of the park. (Hit is an action verb. Ball receives the action.) A flock of sheep halted traffic from here to the highway. (Halted is an action verb. Traffic receives the action.) Here’s how to decide if an action verb is transitive: First, identify the main action verb in the sentence. For example, in the first sentence, the main verb is bit. Then, ask the question, â€Å"Bit what?† The answer to â€Å"what?† will be the direct object: intruder. Not all action verbs are transitive. For example, the action verb kick may or may not have a receiver. For example, compare these sentences: 1. The girl kicked the football over the goal. 2. The baby kicked furiously in the bath. In the first sentence, when you ask â€Å"kicked what?† you find the answer â€Å"football.† In this sentence, kicked is a transitive verb because the action of kicking is received by the football. Football is the direct object of kicked. In the second sentence, when you ask â€Å"kicked what?† you do not find an answer to the question. The action does not travel across to any receiver. There is no direct object. In the second sentence, kicked is not transitive. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Grammar 101 category, check our popular posts, or choose a related post below:50 Redundant Phrases to AvoidHomogeneous vs. Heterogeneous25 Idioms with Clean

Saturday, February 15, 2020

How has the solicitor's regulation changed in the UK Essay

How has the solicitor's regulation changed in the UK - Essay Example In this paper, a position is taken that the most effective form of change to regulation relating to solicitors can only achieve its intended purposes if the changes are comprehensive and holistic enough. In the light of this, changes that have taken place over the years by way of training system as well as regulatory structure governing solicitors are all subjected to critical review. There will also be a special review of the Human Rights Act 1998 to examine how it has impacted on the regulation of solicitors. The issue of self-regulation by the solicitors’ profession will also be reviewed. Training and ethics are two important phenomena in ensuring quality standard of practice by solicitors everywhere across the globe (Cooper, 2013). This is because through training, prospective lawyers are given the kind of education and professional nurturing, needed to ensure that they go about their duties as exceptional professionals. Meanwhile, a person’s individual ethical standards can also be a determining factor as to whether or not the person would heed to training instructions and practice professionally (Boon, 2014). To reconcile these two positions therefore, it is important that the training system for solicitors in UK will be structured in a way that ensures that only people who can be deemed as ethical individuals are admitted. Indeed many have questioned the importance of ensuring that admission for training for solicitors is based on only people who can be considered as ethical individuals. In response to this, Case (2013) observed that the law profession is a highly sensitive one, requiring strong and high standards of practice to ensure that a practitioner will hold fast to doing what is right. What this means is that lawyers have a lot of discretion in their practice as far as their actions are based on law. For this reason, it is