Same-Sex Marriage Essay -- Homosexual Gay Lesbian Papers

Same-Sex Marriage Many people believe that marriage is an integral part of their lives. Currently, marriage is defined within the parameters of a partnership of one man and one woman. Under Canadian common law, a same-sex couple cannot get married and the government refuses to acknowledge homosexuals as equals. Prohibiting same-sex marriages in legislation is discrimination. Denying homosexuals the ability to form this bond violates freedom of expression, equality rights for minorities, and freedom of religion, provisions present in the Charter of Rights and Freedoms. This is an issue of equality, security and freedom. If gays are denied the basic human right of marriage, one must ask the question: where does society stand today? This issue is controversial because many fear that marriage as an institution will be destroyed if same-sex marriage is passed through legislation. Really, there is no compelling reason to believe that legalizing gay marriage would affect traditional marriage, that is, if a traditional marriage even exists. Public opinion is considerably more tolerant of homosexuality than it has been in the past, but lesbian and gay communities nevertheless suffer from discrimination due to their sexual orientation. While it is "discriminatory and unethical to say that you have to be straight to have rights and to be accepted as a human being" (Steirs 164), many people oppose gay marriage because they assume that gays have a choice in who they can feel attracted to, and the reality is quite different. Through rapid advances in genetic research and biotechnology, many scientists have confirmed that sexual orientation is in... ...n Network Ltd. 1993. Moore, Leah. Points in Defense of Gay Marriage. 21 April 2001. (3 November 2002). Rauch, Jonathan. "Anything but Marriage?" The Atlantic Monthly May 2002. Robinson, B.A. Ontario Consultants on Religious Tolerance. 9 November, 2002. (10 November 2002). Stiers, Gretchen A. From This Day Forward. Commitment, Marriage, and Family in Lesbian and Gay Relationships. St. Martins Press: New York. 1999. Tessina, Tina. Gay Relationships for Men and Women, Los Angeles: Jeremy P. Tarcher, Inc,1989. Vanasco, Jennifer. "Families United in Law". Chicago Free Press 13 February 2002. Vincent, Norah. "A lot of Hooey on Same-Sex Marriage; Gays Didn't Wreck Marriage". Los Angeles Times 9 August 2001.

Summary and Analysis of two EEOC laws

The Equal Employment Opportunity Commission (EEOC) is The United States Government enforcement mechanism for Federal legislation regarding discrimination in the workplace. Two recent Acts of Congress under the management of the EEOC have particularly wide-ranging effects and potential effects for the American people. The Americans with Disabilities Act of 1990 is considered a landmark Act and a platform for future legislation of its type. The Genetic Nondiscrimination Act 2008 is part of a continuing line of anti-discrimination legislation.Its full impact probably will not be seen for decades to come but its potential impact in closing a new avenue for discrimination is great. As Federal Acts these laws instantly have more impact than any pre-existing state laws. They set nationwide standards for businesses, labor unions and employment agencies. A business cannot relocate itself in a state where anti-discrimination laws are less strict or where enforcement is lax. Individuals can exp ect the same rights and protections nationwide, except in cases where certain industries have been granted exceptions for safety or national security reasons.Traditionally, the Federal government has been hesitant to regulate private business. In the case of discrimination it has made exceptions when it became clear that discrimination was either unconstitutional, hurting national productivity, or both. The Civil Rights Movement was a catalyst for much of the anti-discrimination legislation we regard as commonplace today. Background The social upheaval of the 1960s triggered substantial changes in American law. Those changes were mirrored in actions of the United States Congress and Judiciary.An increasing emphasis on the securing of individual rights for all Americans led to a series of new laws crafted especially to protect historically discriminated against minorities. Laws designed to even economic and societal playing fields for African-Americans and women were enacted in the 1 960s and 70s. In the 1980s and 90s new laws focused on the rights of the disabled. About the same time individual privacy concerns came to the forefront. In this scientific and technological age, personal information is more readily available than ever. Genetic information could be spread widely in the blink of an eye.This information could then be used in discriminatory ways. Researchers worry that a new spectrum of discrimination has been opened up based on a person's genetic potential to become ill. A perceived genetic black mark could effectively label a person in much the same way as minorities, women and the disabled have been labeled in the past. Three laws: The Civil Rights Act of 1964, The Americans with Disabilities Act of 1990 (ADA) and the Genetic Nondiscrimination Act of 2008 (GINA) are part of a continuum of nondiscrimination laws designed to mitigate the effects of such labeling or prevent it all together.The latter two laws were essentially a product of the first. Th ose two laws will be analyzed here. The Americans with Disabilities Act of 1990 (ADA) This Act came about from a growing cultural realization that people with physical disabilities have every right to full participation in American society. In many cases their contributions are equal or greater than able-bodied citizens. Instead of being seen as an embarrassment or a drag on society, they should be seen as valuable assets that should be cultivated rather than wasted.Historically speaking, the disabled were not accommodated in this purpose. Instead they were excluded from employment and many of the other functions of the American society. This exclusion was often based on erroneous assumptions about the capabilities of disabled people, the reticence of others to accept them, etc. Framed in the legal context, the question was whether American society and government were systematically violating the constitutional rights of the disabled by not guaranteeing an equal playing field.Disabl ed individuals already have much to overcome. Allowing discrimination to make their lives all the more difficult was morally wrong and, eventually, unconstitutional as well. The Americans with Disabilities Act of 1990 piggybacked upon the Civil Rights Act of 1964 and several other laws. It attempted to codify, in clear terms, the rights of the individual disabled citizen as well as the rights and responsibilities of various agencies, governmental organizations and private businesses dealing with the physically disabled. Purposes (ADA)The Congress of The United States has determined that â€Å"Census data, national polls, and other studies have documented that people with disabilities, as a group, occupy an inferior status in our society and are severely disadvantaged socially, vocationally and educationally† (United States Equal Employment Opportunity Commission, 1990). Given those realities the potential impact of anti-discriminatory legislation is enormous. In some cases pr eventing discrimination is as simple as removing physical barriers. In other cases it requires a long-term attitude readjustment in opinions about the disabled and what they can or cannot do.Discrimination has also occurred because businesses have irrational fears about what it will cost them to have employees with disabilities. This Act is designed to clarify what businesses can and cannot do in regard to the disabled. In a clarified landscape businesses can effectively keep costs down. The subtitle of the act describes its purpose this way: â€Å"To establish a clear and comprehensive prohibition of discrimination on the basis of disability† (United States Equal Employment Opportunity Commission, 1990).In its statement of Findings and Purposes the Congress concluded that disabled people have suffered unjust discrimination and needless denial of opportunity. This discrimination has effectively relegated the disabled to â€Å"second class citizen† status in the United States. Modern medicine and recognition of the accomplishments of disabled Americans has led to a shift in perspective. In the past, qualified students were excluded from education by outdated attitudes or because of something as simple as physical barriers. The same was true in employment.When disabled Americans were not plugged into these two critical facets of life, they would often end up excluded from society as a whole. In addition to being the â€Å"right thing to do†; this act is the result of a simple cost-benefit analysis. The cost of making attitude adjustments and simple accommodations pales in comparison to the potential societal benefits of having disabled people fully participating in society (Pickering, 2000). In addition to justifying the act based on evidence of past discrimination, the Congress also notes the financial toll of discrimination on the basis of disability.Individuals suffer the costs of not having an equal chance to make a living. Society then suffers as well because many become dependent on government and other aid when equal opportunity might have made this unnecessary. Thirdly, the nation loses the productivity that many disabled people are capable of. Provisions (ADA) This act regulates what companies may and may not consider in the hiring, firing and promotion of employees with disabilities. Disabled employees cannot be classified as such if it, in any way, unfairly hinders their chances of success at the corporation.The fact that the employee has a physical disability cannot be the deciding factor in whether or not an employee is hired or promoted, except under a very narrow set of criteria. Disabled employees are entitled to equal opportunity and equal pay for equal work. Reasonable accommodations must be made for the disabled employee wherever necessary. â€Å"Reasonable† is a term that is subject to ongoing interpretation. In some cases it can mean something simple as adding a wheelchair ramp or widening a bathroom door.In other cases it can mean an alteration in the job itself. Employers have some leeway in this area. Courts have ruled that when accommodations would cause a â€Å"disparate† hardship on the company it may be granted a waiver from the â€Å"reasonable accommodations† standard. During the application phase, the employer may not ask about disabilities except in the context of the applicant's ability to perform job-related tasks. If there is a pre-employment testing process the employer must make reasonable accommodations for each applicant to take the test.Medical tests can be done on a voluntary basis. The results can only be used for hiring/firing decisions when a clear inability to do the job is apparent. The employee also may not be coerced or retaliated against when requesting accommodations mandated under this act. This prohibition also applies to any employee or other individual who may have helped a disabled person exercise their rights. Notices of this act must be posted by emplo9yers agencies and labor unions in an easily accessible place for employees to read.Enforcement of the Act is handled by the Office of the Attorney General of the United States and The Equal Employment Opportunity Commission (EEOC). Sub agencies like The Occupational Safety and Health Administration and others may become involved if a particular case warrants. The Genetic Information Nondiscrimination Act of 2008 (GINA) By the turn of the twenty-first century a great deal of legislation aimed at securing the rights of minorities, women and the disabled had been enacted and had passed constitutional scrutiny. Meanwhile, a new technological age was emerging.The world was rapidly becoming more interconnected. The science of genetics was also experiencing explosive progress. A new and nearly infallible method of identifying specific people animals and plants was discovered and refined. Genetic testing of individuals has been around for a while. In recent years this testing has become more refined, more widely available and less expensive. This type of testing can identify genes or gene disorders that are associated with a wide array of health conditions. This does not mean that the person will get the condition; it only means that the potential is there.In 2008 Congress acted upon public worries that genetic testing and information could be used for discriminatory purposes. Employers might try to use genetic information for hiring, firing and promotion purposes. Insurers might also use that information for denial of coverage, rate changes or other purposes. In contrast with the ADA (1990), the Genetic Nondiscrimination Act of 2008 is an attempt to target potential discrimination before it becomes widespread. In addition to protecting the rights of individuals this Act is designed to create a friendlier environment for medical and scientific research.According to Hudson, Holohan and Collins, â€Å"Along with the benefits it provide s to individuals, the new law should have positive effects on the fields of clinical research and health care delivery† (2010). Purposes (GINA) The stated purpose of this Act is: â€Å"To prohibit discrimination on the basis of genetic information with respect to health insurance and employment† (United States Equal Employment Opportunity Commission, 2008). This is similar to the purpose stated in the ADA. Because of the nature of genetic science enforcement methods differ. Discrimination in this area can have wise-ranging effects.Hudson et al. Also believe that genetic discrimination has had a chilling effect on potential research subjects. â€Å"Fear of genetic discrimination has also put a damper on patients' willingness to consider genetic tests†¦ or to have the results of such tests included in their medical records† (Hudson, Holohan and Collins, 2010). After fourteen years of Congressional debate GINA was finally passed in 2008. During the time this Ac t was under consideration, a number of states enacted their own laws on genetic testing and the transfer and usage of genetic information.As the genetic science industry grew many of those laws have been repealed however. This triggered a renewed effort by the Congress to pass a set of uniform standards. In theory, genes are neutral indicators of human beings. In practice genetic information can be used for de facto discrimination against individuals. Provisions (GINA) In section 1 of the Act, The Employee Retirement Security Act of 1974 was amended to provide additional protection against genetic-based discrimination. Insurance companies may not set group premium rates based on disease potententiality identified through genetic testing.Insurers can take into consideration diseases that have already manifested themselves in the group population. Heath plans may not require genetic testing as a policy condition. Under a narrow set of circumstances they can request genetic testing if it can assist in clarifying the health situation of a certain individual. It cannot request or mandate testing of the entire group. A genetic test is defined as: â€Å"an analysis of human DNA, RNA, chromosomes, proteins or metabolites that detects genotypes, mutations or chromosomal changes† (United States Equal Employment Opportunity Commission, 2008).Fines for noncompliance begin at $100 daily for each employee. For example, if ten employees were mandated or coerced into genetic testing as a condition of maintaining insurance coverage, the federal government would levy a $1000 fine to the insurer retroactive to the time the coercion began. For violations more serious than de minims, the fines are higher. Genetic information may not be used for eligibility, maintenance of policy or as a pre-existing condition. Employers must comply with many of the same restrictions on genetic testing.Hiring, promotion and firing decisions cannot be based on genetic information. Also the em ployer may not acquire or purchase genetic information about an employee without specific written permission. Even when permission is given all other restrictions still apply. Similar requirements also apply to employment agencies and labor organizations. One notable exception exists for labor organizations. If the purpose is to monitor the effects of toxins in the workplace, the collecting of genetic information may be allowable if certain requirements are met.The employees must be notified and provided with individual results; and the actions must be compliant with OSHA, the provisions of this Act and any other federal laws. Section 206 of this Act addresses confidentiality, an issue of growing concern for many Americans. The Act strengthens confidentiality standards set forth in state and federal legislation, including the Americans with Disabilities Act of 1990 (ADA) and the Health Insurance Portability and Accountability Act of 1996 (HIPAA). Under this Act remedies and enforcem ent vary according to the type of violation and which statute the employee is covered under.Analysis and Conclusion These are two Acts of Congress which may appear different on their face. They were enacted nearly twenty years apart. One targets a legacy of past behavior while the other is preventive in nature. One is based on very human issues while the other is concerned with the cutting-edge of science. Despite their differences, the two laws boil down to one issue of concern to every American – discrimination. These acts are part of a continuum not to create equality but to ensure equal opportunity. These laws are recognition of two of the greatest strengths of America.This nation grew from humble seeds by expanding opportunity, over time, to those would not have received it before. The contributions of those citizens then fueled America's rise to power. Secondly, the Acts are indicative of a nation's willingness to right its past wrongs. This has been done many times in the history of the nation. Making these changes is not always easy, but it is necessary for the continued growth of the country. The impact of The Genetic Nondiscrimination Act of 2008 remains to be seen. It is very likely that as genetic science continues to grow the law will need to evolve.Its ability to do so will be the measure of its ultimate impact. It will be a challenge for the law to keep up. In 1995, there were about 300 genetic tests for diseases and conditions. Most of these tests were done in the context of scientific research and were not readily available to the public. Today over 1500 tests are available. They are much more widely accessible and cover a wide range of conditions from rare to commonplace. The Genetic Nondiscrimination Act puts the scientific community on notice by setting privacy and ethical standards and creating an enforcement apparatus.The safeguards in this Act may ultimately benefit science by making citizens more willing to participate in researc h. More importantly, it potentially closes doors to an entirely new and damaging form of discrimination. There are potential financial benefits as well. According to Hudson, Holohan and Collins â€Å"It will accelerate research†¦ and allow Americans to finally realize the benefits and health care savings offered by gene-based medicine† (2010). This act is an early step for preventing discrimination in a burgeoning field. It is not comprehensive though.The safety and reliably of genetic tests is one potential area for future regulation. Marketing of genetic testing services is another. When Congress considers regulatory acts of this nature there are many factors to take into consideration. It must consider effects and potential effects on a wide array of stakeholders. Preventing discrimination on one group without causing discrimination or undue hardship on another is a narrow line to walk. The ADA and GINA have made progress in preventing unjust and unnecessary discrimin ation.The ADA has brought a large population of people out of society's shadows. The Act will become all the more important as people can now live longer and be productive with disabilities. Our aging population also means that the law will impact an increasingly large group of people. The Genetic Nondiscrimination Act shares philosophical similarities with the ADA and The Civil Rights Act of 1964. Discrimination, whether based on race, disability or genetic makeup is not true to the United States' Constitution. As a result of these laws individuals and society will benefit socially and economically.America itself will benefit by having the contributions of the citizens' affected. The nation benefits when the largest possible majority of its citizens enjoy the individual right to maximize potential. In a dynamic society, Congress will need to revisit and amend these laws in perpetuity in order to fulfill their true promise. References Hudson, Kathy, M. K. Holohan and Frances Collins . (2010). â€Å"Keeping Pace with the Times: The Genetic Nondiscrimination Act of 2008†. NEJM. Retrieved May 29 from: http://content. nejm. org/cgi/content/full/358/25/2661Pickering, Francis. (2000). Americans with Disabilities: exploring implications of the law for individuals and institutions. New York: Routledge. United States Equal Employment Opportunity Commission (EEOC). (2008). â€Å"The Genetic Nondiscrimination Act of 2008†. EEOC. Retrieved May 29, 2010 from: http://www. eeoc. gov/laws/statutes/gina. cfm United States Equal Employment Opportunity Commission (EEOC). (1990). â€Å"Titles I and V of the Americans with Disabilities Act of 1990†. EEOC. Retrieved May 30, 2010 from: http://www. eeoc. gov/laws/statutes/ada. cfm

Evaluation Of A Research On Management Education - 1516 Words

Thank you for your submission to Journal of Management Education, â€Å"Criticality in Management Education: What It Is and What It Is Not† (JME-16-0084-ETR). I have completed the evaluation of your paper by soliciting reviews from three experts, who assessed the potential contribution to management education research. Based on their assessment and mine, I would like to offer a high risk revise and resubmit for this manuscript. As I understand it from my reading and the reviewers’ comments, the aim of this manuscript is to provide a systematic review of criticality in the management education domain. Like most instructors who aspire to foster students’ criticality/critical thinking skills, I read this manuscript with great interest for new insights into the literature and for ideas I could use in the classroom. As it currently stands the document’s strength is its aspiration summarized by Reviewer 3 (R3): â€Å"Your manuscript has an interesting premise that we use the term critical loosely and management education can benefit from a critical discussion, more precision, and focus. You present a complicated and important concept, and attempt to delineate terms and meaning.† However, this is more work to be done to actualize this intent. The manuscript’s weaknesses are in four main areas: 1) argumentation, 2) systematic review methods 3) scope, and 4) implications for practi ce. Each point is elaborated below and with suggestions for you to consider during your revision. 1.Show MoreRelatedEvaluating Greenby Education Department1538 Words   |  7 PagesaRunning head: EVALUATION RESEARCH PAPER Case 10: Evaluating the Consultation and Education Department Research University of Phoenix Evaluation the Consultation and Education Department The Greenby Community Mental Health Center process evaluation measure suggests the Consultation and Education Department needs to implement the address of the real questionable issue within the organization, and to evaluate the programs being offered through the organization. The questionable issueRead MoreEvaluating A Business Situation Within The Field Of Management1520 Words   |  7 PagesIntroduction In today’s business world, there are many existing research work in the management profession. This ranges on issues of good management practices to bad management which must be addressed for effective running of the organization. Unfortunately, one of such challenging issues are conflicts which can be controlled, but inevitable. It is phenomenal in any organization and can reduce the rate of production and employees’ performance. Employers spend a lot of timing trying to resolveRead MorePain Management in the Oncology Patient1605 Words   |  6 PagesPain Management in the Oncology Patient â€Æ' Title of research article Gropelli, T., Sharer, J. (2013). Nurses Perceptions of Pain Management in Older Adults. MEDSURG Nursing, 22(6), 375-382. Type of research study Qualitative Purpose of study The purpose of this study was to focus on nurses’ perceptions about chronic and acute pain in long-term care. Limited research exists regarding the attitudes of pain management and there is a need indicated to focus on nurses’ perceptions about chronicRead MoreFormal Statement Of Goals - Wanda D. Long1539 Words   |  7 Pagesemphasis on education. Both of my parents are college graduates. The reason why I have decided to apply to the Educational Leadership, Evaluation, and Organizational Development Ph.D. program, at the University of Louisville’s College Education and Human Development is my desire to further my education. I have always enjoyed learning and I aspire to work in a research based leadership role that is responsible for facilitating the success of an operation within an institution of higher education. HoweverRead MoreTechnology Plan Template : North American University1090 Words   |  5 PagesTECHNOLOGY PLAN TEMPLATE North American University Education Department M.Ed. in Educational Leadership EDUC 5321: TECHNOLOGY FOR SCHOOL PRINCIPALS Name: Saliha Akilli Date: 12/7/2014 This template is adapted from http://www.cde.ca.gov/ls/et/rs/documents/et14techplan.doc INTRODUCTION/BACKGROUND The plan should guide the LEA’s use of education technology for the next three years. Harmony Public Schools North Houston District (7/1/14Read MoreProgram Evaluation Paper806 Words   |  4 PagesJones, M. O. (2015). Program evaluation of alternative schools in North Carolina: a companion dissertation (Doctoral dissertation, University of North Carolina, 2013). Journal of Organizational Educational Leadership, 1(1), 4th ser., 1-27 The North Carolina and South Carolina State Department of Education both agreed and passed legislation that created services for alternative education. The focuses of each of these programs were to modify behavior, meet student academic needs, and reduce recidivismRead MoreLearning from Design-based Research789 Words   |  3 PagesAfter I read the Design-Based Research (DBR): A decade of progress in education reseach, I do agree with some points brought up by the writer about the basic features of DBR. It stated that DBR require decade of progress in educational research. Yes, I strongly agree his points of view. As DBR required in-depth review in order to assure its quality and validity of the study. Besides, it also involves multiple iterations which leads to multiyear and multifaceted research agendas such as School BasedRead MoreThe life of a hobo1508 Words   |  7 PagesAuditing Case 2 2 Dell Inc Evaluation Of Client Business Risk Free ... www.papercamp.com/...case...dell-inc-evaluation-of-client-business-risk/...‎ Auditing Case 2 2 Dell Inc Evaluation Of Client Business Risk Essays and Term Papers. Search Results for ... Auditing Cases: 2.2 Dell Computer Corporation . Dell Computer Corporation Evaluating Client Business Risk Free ... www.papercamp.com/group/dell-computer-corporation.../page-0‎ Dell Computer Corporation Case 2.2: financial statements therefore theRead MoreThe Limitations Of Language : Male Participants, Stoicism, And Qualitative Research Essay950 Words   |  4 PagesLimitations of Language: Male Participants, Stoicism, and the Qualitative Research Inter view, American Journal of Men’s Health, 7(2), 155-162, DOI: 10.1177/1557988312464038 Allmark, P., Boote, J., Chambers, E., Clarke, A., Mcdonnell, A., Thompson, A., R., and Tod, A., 2009. Ethical issues in the use of in-depth interviews: literature review and discussion, Research Ethics Review, 5(2), 48-54 Babbie, E. (1992). The Practice of Social Research, New York, Macmillan found on Hsieh, F. H., and Shannon, E., S.Read MoreEvaluation Of Nursing And Nursing Education Essay1289 Words   |  6 Pages3MCQS) from block-7 (Education and Nursing Education). I will be identifying 10 concepts from them and thoroughly scrutinize how they would apply to my personal life, and other contextual settings such as social context, coupled with current related researches on these concepts. However, their applications to my current workplace (Havana Specialist Hospital, Surulere, Lagos) and the usefulness to the current world will also be discussed. The concepts are as follows: Evaluation (M10), Reporting and

Enron Year Of Scandal Essay - 1711 Words

Cost Accounting Project Paper Enron - year of scandal 2001 – Arthur Andersen Introduction As per various researches, it has been proved that today variety of issues are prevailing in our society and all of them should be properly catered so that no further issues can be raised and this will, in the end, helps in reshaping the entire structure of our society too. Therefore proper measures should be taken from the very start so that no negativity can be raised and this will eventually help in enhancing the efficiency of our society too. The ethical code of conduct is linked directly with the research ethics and this is the major arena that should be highlighted positively in our society in order to enhance potential outcomes. In an organization, it is important to see how work is done by keeping in mind the ethical code of conduct and how it is affecting the society. In the majority of the fields, information security is not directly linked with the security and ethics and this is the reason how it is leading towards various alarming issues too. Therefore it is important to see how to enhance the effectiveness of various products. This paper will focus on ethics and how Eron faced issues due to lack of ethical strategies (Conroy Emerson 2006). Therefore it is important to note that there is a positive strategy that is linked with ethics and this is the only possible method with the help of which variety of other negative issues can be resolved and by this organizations willShow MoreRelatedEnron Accounting Scandal1706 Words   |  7 PagesThe Enron Accounting Scandal of 2001 There are many accounting scandals that have occurred throughout United States History. Many scandals occur even without outsiders knowing anything that had occurred. Companies try their best to keep many of the accounting scandals quiet. Everyday, there are political and business fraud happening, and most of it goes unnoticed. No company wants to admit that there was a problem or that people within the company are not trust worthy. However, when executivesRead MoreEnron Essay1433 Words   |  6 Pagesthe Causes and Effects of the Enron Accounting Scandals Name: Do Minh Tam Class: MEP 100 Lecture: Karen Bird Date: December 24, 2010 Introduction Background From the 1980s until now, there have been a lot of accounting scandals which were widely announced on by media. The result of this situation is many companies were bankruptcy protection requests, and closing. One of the most widely reported emulation of accounting scandals is Enron Company. Enron Corporation is one of the largestRead MoreThe Enron Scandal And Its Impact On The Business World1320 Words   |  6 Pagescan often times become a second priority behind the gaining of profits and success as a company. This is the controversial issue that led to the Enron scandal and ultimately the fall of this company. Enron Corporation was an energy company, and in the peaks of their success, they were the top supplier of natural gas and electricity throughout America. Enron Corporation came about from a merger between Houston Natural Gas and InterNorth. Houston Natural Gas was a gas providing company formed in HoustonRead MoreEnron And The Enron Scandal1588 Words   |  7 PagesEnron wa s a corporation located in Houston, Texas and in just fifteen years the US energy trading and utilities company grew to become one of America’s largest and more successful cooperation’s. Enron suffered a major fall. After being one of the most successful corporations Enron became the biggest company to file bankruptcy in history. In this research paper it will discuss about the history of Enron, the fraud committed and who is to blame. The historical development of white collar crime in theRead MoreEnron Scandal Of Enron Corporation Essay1145 Words   |  5 PagesIntroduction Enron scandal which aroused in 2001 was one of the most famous events in the area of fraud audit. As the auditor company of Enron, Arthur Andersen failed to prepare true and fair auditing reports. They both suffered lethal loss at that time. The following paragraphs will discuss this fraud event, including the organization history, the organization’s event, the fraud issue in the event, the consequence of the main stakeholders, auditors in the event and their roles, and the current situationRead MoreBusiness Research Ethics Essay776 Words   |  4 PagesBusiness Research Ethics Over the years unethical business research has changed the way businesses are run. Scandals were happening way too often, so laws and regulations have made adjustments in effort to better prevent the unethical practices. The company, Enron, was a leading reason for some of the changes because it was one of the largest scandals and fastest collapse of an entire corporation. Most individuals that were involved in the fall of Enron have been tried and convicted for their unethicalRead MoreEnron Scandal1477 Words   |  6 Pagesï » ¿Current issue: Scandals in auditing Enron Scandal 1. Introduction Accounting scandals are political or business scandals which arise with the disclosure of financial misdeeds by trusted executives of corporations or governments. These days, not too often, these scandals are splashed as headlines across media. Why? Because there are complex groups of stakeholders who might be seriously affected by the scandals. Enron scam was the most remarkable scandal in 20 centuries by their institutionalizedRead MoreJaclyn Givens. Kathy Osburn. Management 101. 5/8/17. The1400 Words   |  6 PagesJaclyn Givens Kathy Osburn Management 101 5/8/17 The Enron Era â€Å"Just as character matters in people, it matters in organizations,† says Justin Schultz, a corporate psychologist in Denver. The Enron scandal had a big exposure in 2001 confirming the big secret to the increase in billions. In July 1985, Enron formed the merger of Houston Natural Gas and Omaha-based Inter North. The Enron corporation was an American energy company based in Houston Texas. The corporation’s catastrophe in 2001 signifiesRead MoreUnethical Behaviors And Situations Of Conflict Within The Workplace1572 Words   |  7 Pagescritically about a particular dilemma and whether or not it is ethically wrong takes time and critical thinking. The accountants of Enron could have avoided this situation by stepping in and explaining to their superiors the cost of the long-term consequences compared to the short-term benefits was not worth what they were putting out on the line. By analyzing the Enron scandal there will be a greater ability to know information tha t will help pin point any unethical behavior that an accountants may experienceRead MorePhar Mor Inc. : Overview1724 Words   |  7 Pagesname the new president of the new company Phar-Mor Inc. and by 1987 had increased to 70 stores and had grown even more to 200 stores by 1990 they then expanded into outlet stores in 1992 which had 25,000 employees in 35 different states. Phar-Mor Scandal In 1992 the bankruptcy of Phar-Mor Inc. cost investors $500 million. Financial problems became known in 1988 when investigation of lower-than-expected profit margin showed that Phar-Mor was billed for inventory because they had not received from Tamco

`` Not For Iv Use The Story Of An Enteral Tubing...

Chosen for root cause analysis is case study number 18, titled â€Å"Not for IV Use: The Story of an Enteral Tubing Misconnection† from the book Case Studies in Patient Safety: Foundations for Core Competencies. Root cause analysis is a process whereby error producing system factors are identified and reviewed to assist in the formatting and implementation of solutions to prevent similar errors from reoccurrence (Wachter, 2012). This accounting of the patient’s experience located in the Systems-Based Practice (SBP) section also highlights various code of ethics violations such as autonomy, beneficence, nonmalfeasance, and veracity. The SBP approach in healthcare requires that personnel recognize how patient care connects to the entire health care system and how to utilize successfully system resources to improve both quality and patient safety. There are specific core competencies that assist with this process. Some of which include the ability to work effectively in th e delivery-care setting, perform responsibilities according to role, ability, and qualification, advocate for quality patient care and resources, and participate in error identification and solution implementation (Johnson, Haskell, Branch, 2016). This patient’s story demonstrates an apparent failure of these core competencies. Background Robin Rogers, 35-weeks pregnant with her second child, had long battled with bouts of severe abdominal pain, nausea, and vomiting since a teenager, later diagnosed as an

Plate Tectonics free essay sample

Plate tectonics The large scale motions of the earth’s lithosphere are describe by a scientific theory called plate tectonics which explains that Earths outer layer is made up of plates, which have moved throughout Earths history. The theory was developed during first decade of 20th century (by a famous advocate Alfred Wegener) on the older concept of continental drift and was accepted by many geoscientific communities. There are currently seven major and many minor plates are present in the case of earth.These plates move in relation to one another at one of three types of plate boundaries:  convergent or collisional boundaries;  divergent  boundaries, also called spreading centres; and conservative transform  boundaries. Activities like earthquakes, volcanic activity, mountain building and oceanic trench formation occur along these plate boundaries and the lateral relative movement of the plates varies 0-100 mm annually. Relation between plate tectonics and mountains: Mountain formation processes are associated with large scale movements of tectonic plates. We will write a custom essay sample on Plate Tectonics or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page The formation of mountain ranges occurs by means of lateral movements as opposed to vertical ones. Mountain formation is related to  plate tectonics, folding, faulting, volcanic activity; igneous intrusion and metamorphism are all parts of the organic process of mountains building. There are three main types of mountains: volcanic, fold, and block. Volcanic Mountains: movements of tectonic plates create volcanoes along the plate boundaries which erupt and form mountains.Around that time a super continent Pangea started split into different land masses and move apart in different directions. That result rivers Angara and Gondwana from the northern Eurasian land mass and the southern Indian land mass respectively started filling sediments into the shallow sea the tethys. as a result the two land masses moved closer and closer. About 70 million year ago the two land masses began to collide with each other started the initial mountain building process.The Southern Alps are tectonically characterised by large scale thrusting and folding to the south, the dominant direction of fold asymmetry in the region is southwards. . As is also the case in the southern foreland of the  Pyrenees, thrusts in the Southern Alps are oriented along listric fault  planes with relatively shallow  decollement horizons. To the west, south of the  Valle dAosta, the Southern Alps form a huge  monocline, up until the point that  mantle  material of the Apulian plate crops out in what is called the  Ivrea zone.The geological plate boundary under which Southern Alps lie is part of the pacific ring of fire, with the pacific plate in last 45 million years the collision has pushed up the thickness of rocks up a 20 km on the pacific plate to form the Alps. Uplift of the mountains has been fastest during the last 5 million years and still it is rising by the tectonic plates pressure. (ref:Wikipedia. org) The Andes: The Andes are a  Mesozoic  Tertiary organic  belt of mountains along the  Pacific Ring of Fire. Andes are the result of plate tectonic process caused by the subduction of oceanic crust beneath the South American plate.The main cause of the rise of the Andes is the compression of western rim of the  South American Plate  due to the subduction of the  Nazca Plate and the  Antarctic Plate. Geology of Andes: The origin of the Andes started with the Triassic when Pangea begun to break up and several rifts developed. The Andes took its present form by the uplifting, faulting and folding of sedimentary and metamorphic rocks of the ancient cratons to the east. The Andes has been rise under different degrees of tectonic stress, uplift and erosion that is why rise of the Andes was not constant.

Microfinance Essay Example

Microfinance Essay Microfinance refers to the proviso of fiscal services on a sustainable footing to the hapless who are by and large outside the range of formal fiscal markets and frequently includes societal intermediation ( Churchill Frankiewicz, 2006 ; Ledgerwood, 2001 ) . Surveies have demonstrated the impact of Microfinance on poorness decrease including making the hapless, raising their economic good being every bit good as authorising them. In peculiar, Microfinance has shown to authorise adult females through supplying entree to material resources and increasing their engagement in family determination devising ( Khandker, 2002 ; Robinson, 2001 ; Todd, 2000, Amin et Al, 1998 ; Buvinic, 1983 ) . As with the remainder of the South Asia part, Microfinance in Sri Lanka has a long history dating back to the early old ages of the twentieth century ( World Bank, 2006 ) . Microfinance has been given a taking function in authorities poorness decrease plans, and in its rigorous sense began to be widely recognized in Sri Lanka as a cardinal tool for relieving poorness and authorising the hapless with the passage of the authorities s Janasaviya Program in 1989. This plan was subsequently replaced by the Samurdhi Development Program, which was introduced in 1995 and remains the largest authorities enterprise ( Thilakaratna, Wickramasinghe Kumara, 2005 ; Fernando, 2009 ) . The Samurdhi Program has extended coverage in the rural countries and the bulk of the plan participants are adult females. We will write a custom essay sample on Microfinance specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Microfinance specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Microfinance specifically for you FOR ONLY $16.38 $13.9/page Hire Writer Some research workers question the impact of microfinance on adult females s authorization. They view the consequence of adult females s engagement in Microfinance plans as reenforcing patriarchal norms of adult females s subordination taking to declining gender relationships and disempowerment of adult females ( Goetz Gupta, 1996 ; Montgomery et Al, 1996 ; Rahman, 1999 ) . This article provides some penetration into this argument by analyzing the impact of the Samurdhi Program in authorising rural adult females in Sri Lanka. The survey was conducted in the Ihala Koswaththa small town situated in Kurunegala District in North Western Province of Sri Lanka. The appraisal in this article relies on the female Microfinance clients of Ihala Koswaththa to bespeak and measure the alterations that entree to Microfinance services through the Samurdhi Program has brought into their lives. Microfinance and Women s Authorization The construct of authorization is complex and there is no understanding on a individual definition of authorization in the literature. However, the bulk of the definitions at least hold on the fact that authorization is a progressive procedure of alteration instead than an terminal merchandise. Harmonizing to Keiffer ( 1984 ) , authorization is a development procedure that includes the four phases of entry, promotion, incorporation, and committedness. The entry phase is referred to as an act of aggravation that appears to be motivated by the person s experience of some event or status endangering to the ego or household. The advancement phase includes the three major facets of mentoring relationships, supportive equal relationships with a corporate organisation, and the development of a more critical apprehension of societal and political dealingss. During the advancement phase these three facets are considered to be of import in go oning the empowerment procedure. The incorporation phase focuses on the development of increasing political consciousness. In the concluding phase of committedness the persons apply the new participatory competency to of all time spread outing countries of their lives. Whitmore ( 1988 ) identifies some common implicit in premises when specifying authorization. These premises are: persons understand their ain demands better than anyone else and hence should hold the power to both define and act upon them ; all people possess strengths upon which they can construct ; authorization is a womb-to-tomb enterprise ; and personal cognition and experience are valid and utile in get bying efficaciously. While it is already complicated to specify and gestate authorization in general, specifying adult females s authorization is even more hard. Empowering adult females may specifically mention to their economic state of affairs, but besides to increased well-being and transmutation of power dealingss, all depending on their existing conditions and point of view. Furthermore, authorization may reflect itself in adult females s engagement in societal and political activities, and hence ideally authorising other adult females as good ( Majoor, Manders, 2009 ) . The following table high spots different conceptualisations and models for adult females s authorization in Microfinance. Different Conceptualization and Frameworks for Women s Authorization Moser s ( Gender Needs ) Framework ( 1989 ) Emphasis in this model is laid on gender demands Women s involvement: the diverse, complex and frequently conflicting involvements which adult females hold as persons and which are hence shaped by category, ethnicity, age and gender Practical gender involvement: arises because of different gender functions and are formulated by ( wo ) work forces themselves in response to an immediate perceived need Strategic gender involvements: arises from a feminist analysis of adult females s subordination ( and work forces s laterality ) aimed at transforming gender dealingss for gender equality Longwe s ( Progression ) Framework ( 1989,1991 ) This model presents empowerment as a additive entity, both as a phase that feeds into the following phase, from Social welfare: with improved adult females s stuff public assistance such as nutrient, income, and medical attention, etc. Entree: on equal terms to factors of production and public services Conscientisation: on the difference between, with the purpose of transmutation of sex and gender functions Engagement: as peers, ( wo ) work forces partake in determination devising, policy procedures and disposal Control: with ( wo ) work forces every bit taking control over factors of production and the distribution of benefits at that place from without laterality Rowland s ( Power Process ) Framework ( 1997 ) The accent of Rowland is on power, i.e Power from within: single alterations in assurance and consciousness Power to: capableness and capacity betterment as in accomplishments, income, and market and occupation entree Power over: overcoming subjection at family, community and macro degree Power with: networking, partnership, coaction and joint action to dispute and alter power dealingss Chen s ( Product ) Framework ( 1997 ) Material alteration: in income ( measure and security ) ; resources ( entree, control, and ownership ) ; basic demands ( for good being ) ; and gaining capacity ( handiness and ability to take chance ) Perceptual alteration: in ego regard ( of individualism, involvement and value ) ; self assurance ( in ain ability and capacity ) ; vision of future ( by frontward be aftering ) ; and visibleness and regard ( for single value and parts ) Relational alteration: in determination devising ( in family and community ) ; dickering power, engagement ( in local establishments and processes eg. Politicss ) ; self trust ( reduced dependance and increased mutuality as peers ) and organisational strenghths ( construction and leading ) Beginning: Adapted from Mayoux ( 2002 ) Kabeer ( 2001 ) discusses why assorted surveies come up with different replies to whether adult females are empowered or non through engagement in Microfinance plans. She explains these contrasting replies as a consequence of analyzing authorization as a additive procedure, of methodological analysis and the position of adult females as a homogenous group. She argues that authorization should non be studied as a additive procedure, and alternatively it should be viewed as a multidimensional procedure of many degrees, where causes and effects are non easy distinguished. Therefore, it is non much usage to use quantitative methods in such surveies, which confirms authorization through a few indexs that might non be valid in all instances. She farther explains that adult females are non a homogenous group but a group of persons and authorization is a subjective experience because adult females respond to assorted chances in different ways, and hence, adult females s authorization should be studied from the adult females s point of view, by listening to their personal experiences and mentioning to their apprehension of world. Mayoux ( 2000 ) suggests three contrasting paradigms of adult females s authorization in Microfinance plans. Fiscal ego sustainability paradigm: based on plans sustained by adult females s refund rates and anticipating authorization to emerge Poverty relief paradigm: where Microfinance is integrated with community development, aiming the hapless and family well-being is linked to empowerment Feminist empowerment paradigm: is a sectoral scheme that centers adult females s authorization and offers Microfinance as a means to this terminal Mayoux ( 1999 ) views the consequence of Microfinance on adult females s authorization as a set of reciprocally reenforcing virtuous spirals of increasing economic authorization, improved well-being, and societal and economic authorization. She farther suggests that although the above mentioned three distinguishable paradigms of adult females s authorization in Microfinance come from different theoretical underpinnings they are believed to take to similar virtuous spirals of authorization, both for single adult females and at the family, community and macro degree ( Mayox, 2009 ) . Microfinance and Rural Womans: Procedure of Authorization Savingss and Credit Refund Women s Decision about Savings and Credit Use Women s Microenterprise Increased Status and Changing Roles Women s Decision about Consumption Increased Wellbeing of Women Ability to Negotiate Change in Gender Relations Increased Income Income under Women s Control Women s Networks and Mobility Increased Wellbeing of Children Increased Wellbeing of Men Increased Wage Employment for Women Wider Motions for Social Political Legal Change Economic Authorization Social, Political Legal Empowerment Increased Wellbeing Fiscal Self Sustainability Paradigm Poverty Alleviation Paradigm Feminist Empowerment Paradigm Beginning: Mayoux ( 2002 ) Women s economic authorization is the chief focal point of the fiscal sustainability paradigm. It is assumed that increasing adult females s entree to Microfinance services will in itself lead to single economic authorization through enabling adult females s determinations about nest eggs and recognition usage, enabling adult females to put up Microenterprises, increasing incomes under their control. It is so assumed that this increased economic authorization will take to improved good being of adult females and besides to socio-political authorization. The fiscal sustainability and feminist authorization paradigms accent is more on increasing incomes at the family and the usage of loans for ingestion. Well being betterments are the premier focal point of poorness decrease paradigm. The premise is that increasing adult females s entree to Microfinance will enable adult females to do greater parts to household income and this together with other intercessions to increase family good being will interpret into improved good being for adult females and enable adult females to convey about wider alterations in gender inequality. Women s societal and political authorization is considered to be as a combination of increased economic activity and control over income ensuing from entree to Microfinance is expected to better adult females s accomplishments, mobility, and entree to knowledge and back up webs. This leads farther to heighten position for all adult females within the community and wider alterations in adult females s functions. These alterations are expected to be reinforced by group formation, taking to wider motions for societal and political alteration. The fiscal ego sustainability paradigm and the poorness relief paradigm assume that this societal and political authorization will happen without specific intercessions to alter gender dealingss at the family, community or macro degrees. By contrast, the feminist authorization paradigm advocates expressed schemes for back uping adult females s ability to protect their single and corporate gender involvement at the family, community and macro degree s ( Mayoux, 2006 ) . Methodology The analysis in this survey draws on the primary informations collected during fieldwork in Ihala Koswaththa small town during September 2007 and 2010. The survey is qualitative in nature with informations collected through in depth interviews with single Samurdhi Program donees, little groups, Samurdhi field officers, and Grama Niladhari officer, informal interviews, and observations made by sing beneficiary families, hebdomadal Samurdhi group meetings and monthly meetings of Samurdhi societies during the fieldwork. The respondents were selected through purposive sampling. by choosing information rich instances on the footing of theoretical impregnation, and the interviews of Samurdhi Microfinance clients were conducted with the married center aged hapless adult females in the small town. For the intent of analysing the impact of the Samurdhi Program on adult females s authorization in rural countries, this survey has divided adult females s authorization in to three dimensions economic authorization, increased well-being, and societal and political authorization. These dimensions are based on Mayoux ( twelvemonth? ) . The Samurdhi Program consists of three chief constituents ; the proviso of ingestion grants, the proviso of nest eggs and recognition installations, and community development plans. Although the fiscal services through the Samurdhi Program are provided under the 2nd constituent, the plan frequently mixes public assistance services and fiscal services as all three constituents are operated as built-in support activities. Due to the fact that all the adult females who were involved in this research were Samurdhi public assistance grant receivers, the impact on these adult females s authorization may non merely be attributed to the fiscal services but besides to the other constituent of the plan every bit good. An Overview of the Samurdhi Program Samurdhi, which means prosperity in the local linguistic communication, is a Sri Lankan authorities sponsored national poorness relief plan. The plan has a big per centum of hapless households as members of it Bankss. The plan was launched by an act of parliament in 1995. The act stipulates that the chief maps of the Samurdhi National Program are to better the economic and societal conditions of young person, adult females and disadvantaged groups. The plan achieves this by: broadening chances for income sweetening and employment ; incorporating mark groups into economic and societal development activities ; associating household degree economic activities with community development undertakings at small town, territory, divisional and provincial degrees ; mobilising engagement in the planning and direction of undertakings ; furthering cooperation, advancing nest eggs and helping in obtaining recognition ; easing the bringing of inputs and services of authorities sections, public corporations, local governments, private sector organisations and nongovernmental organisations to donees of the plan, and to implement the plan so formulated and other plans of the authorities poorness relief. ( Glinskaya, 2000 ) Since its origin, Samurdhi has changed from being a simple income transportation strategy to a more comprehensive plan embracing non merely public assistance, but besides banking, nest eggs, insurance, occupation preparation, substructure development and self employment. Institutional and Organizational Structure of the Samurdhi Program Ministry of Nation Building and Estate Infrastructure Development Department of Commissioner General of Samurdhi Samurdhi Authority Sri Lanka National Level District Secretary District Samurdhi Office District Directors Assistant Commissioner Samurdhi District Degree Divisional Secretary Divisional Samurdhi Unit Deputy Director Headquarter Managers Divisional Degree Zonal Directors Zonal Degree Grama Niladhari Divisional Level ( Samurdhi Task Force ) Samurdhi Development Military officers Village Degree Small Groups of Beneficiaries Beginning: Modoran Grashof ( 2009 ) The organisational construction of the Samurdhi plan is complex and extremely hierarchal, traveling from the Grama Niladhari Division level up to the zonal, divisional, territory and national degrees. The plan has three major constituents: proviso of ingestion grant ( nutrient casts ) , proviso of nest eggs and recognition installations, and rehabilitation and development of rural substructure. Financial services are provided through the Banking Finance Division of the Samurdhi Authority that follows a similar hierarchal construction and act as the caput office of Samurdhi Bank Societies or SBSs which carry out the 2nd constituent of nest eggs and recognition plan ( Modoran Grashof, 2009 ) . Samurdhi Bank Societies ( SBSs ) are community based loaning societies. SBSs have a modified small town banking theoretical account where the members of the societies are linked to village Bankss for nest eggs and loans and these Bankss are besides owned by the society members. The theoretical account has centralized direction with authorization and the societal development aims are built in the methodological analysis. SBSs are managed by adult females and group loaning, where merely members or stockholders can borrow, is used. The borrower has to be in a group of five people with the other four members vouching the loan refund. Samurdhi finances its loans merely from the nest eggs and portions in the Samurdhi Bank where savings go a portion of the collateral. Individual Samurdhi Banks are non separate legal entities, but have autonomy within the general guidelines given by the authorities Samurdhi Authority ( Atapattu, 2009 ; Modoran Grashof, 2009 ) . With the emphasize of an enhanced attempt at rural financing the Samurdhi Program has attempted to mobilise voluntary nest eggs among its donees, construct up recognition establishments for the hapless and ease their entree to the formal banking system ( Gunatillake, 2000 ) while supplying other recognition plus services ( Atapattu, 2009 ) . The plan serves the largest figure of Microfinance patronage in the state holding a important outreach to hapless people. However, they are besides the largest supplier of public assistance services, and hence they frequently mix public assistance services and fiscal services in questionable ways such as coercing hapless people having societal public assistance grants to put aside a per centum of the grant in inflexible nest eggs histories ( Duflos et al, 2006 ) . The Context: Ihala Koswaththa Village Ihala Koswaththa is a rural small town situated in Bingiriya Secretariat Division in Kurunegala District falling under the intermediate agro ecological zone that includes both dry and wet agro ecological zones in North Western Province of Sri Lanka. The territory is good served by microfinance organisations and in 2000 had the most widespread coverage by Microfinance establishments among all territories in Sri Lanka ( Gant et al, 2002 ) . The country marked on the map below illustrates the location of Ihala Koswaththa small town, the instance survey location. Beginning: Created by Writer Bingiriya Secretariat Division consists of 50 two small towns in four zones and Ihala Koswaththa is in the Bingiriya zone. The small town is located about two kilometres off from the chief beginning of public transit service, which is non really efficient. Though Ihala Koswaththa is considered as a rural small town it is non every bit isolated as other rural small towns in Sri Lanka. However, the villagers still face considerable market and substructure restraints in bettering their supports. The following table high spots the basic demographic information of Ihala Koswaththa. Table 1: Population of Ihala Koswaththa Village in 2010 Classs Number Population and Households Families Average Number of People per Household Entire Population Work force Womans Population Over Age 18 Samurdhi Welfare Grant Recipient Households Social Security Scheme Beneficiaries Government Pension Recipients Government Employees Defense Force Employees Small and Medium Enterprises 620 4 2,502 1,181 1,321 1,637 111 75 23 29 31 50 Beginning: Created by Author based on fieldwork The small town has a population of 2,502 with 620 households and an mean family size of four people, merely five households had over six members. Ihala Koswaththa is chiefly a Sinhala small town where there were merely two Tamil households and one Muslim household in the small town. Merely a few households have been in Ihala Koswaththa for coevalss with the remainder of the villagers being largely migrators who late settled in the small town. The recent migrators were cultivating small town lands even though they were non the legal proprietors. They subsequently gained ownership of these lands under assorted land statute law plans such as Swarnabhumi, Janabhumi and the Land Reforms Commission ( LRC ) . However, some of the migrators are still without any proper ownership of the lands that they are cultivating. Both work forces and adult females in the small town are preponderantly involved in agricultural and twenty-four hours laborer occupations. Common agricultural harvests include paddy, veggies, coconuts, Anacardium occidentales, betel foliages, and black Piper nigrum. There are besides activities such as retail dress shops and domestic fowl farms are across the small town. Villagers are besides involved in seasonal income bring forthing activities such as coir drying and straining. There are many family issues present in the small town including domestic struggle, individual female parents, and intoxicant maltreatment. These issues lead to a greater duty being topographic points on adult females as income generators. Many adult females from the small town work as amahs in the Middle East and direct remittals back place. Additionally, most of the immature single adult females from hapless households in the small town work for the garment industry. Samurdhi Program and other Microfinance Interventions in Ihala Koswaththa Village As found in Table 1, there are 111 Samurdhi Welfare Grant receiver families among the 620 households in Ihala Koswaththa small town. T he chief constituents of of the Samurdhi Program including public assistance, nest eggs and recognition plans, and community development plans are available in Ihala Koswaththa. Under the community development plans there are several preparation and societal development activities such as adult females s preparation plans, lodging development undertakings, substructure development undertakings, irrigation and agribusiness development activities, a hebdomadal market, the kids s society, plans for the aged, and scholarships for the kids of Samurdhi donees. The Samurdhi Program in based on participatory development rules and hence groups at assorted degrees are created by the plan to mobilise and promote engagement where there are several action groups in each small town. Smalle groups of five are organized to consolidate and develop the member s accomplishments and abilities. The Samurdhi Task Force is another grassroots level organisation comprised of immature work forces and adult females between 18 to 35 old ages old. The undertaking force contributes to supplying the necessary substructure to small towns under the Community Development Project. Advisory councils comprised of intellectuals, seniors, and clergy members of the country provide counsel and advice to these undertaking forces. There are besides divisional and territory degree Samurdhi commissions. Bingiriya Divisional Samurdhi Committee is responsible for the execution of the Samurdhi Program in the Bingiriya Division and hence in Ihala Koswaththa.T divisional secretary A cts of the Apostless as the president of this commission and all public officers and authorities caputs are members. The District Samurdhi is comprised of all the caputs of authorities constitutions located in the Kurunegala territory. Bingiriya Samurdhi Maha Sangam or General Union acts as the divisional degree apex organisation of Samurdhi Program for Ihala Koswaththa. This is set up to cover 10,000 Samurdhi beneficiary households and administered by an executive commission comprised of members selected among the presidents of Samurdhi Societies in Bingiriya Division. In add-on to the Samurdhi Program there are several other Microfinance intercessions available in the small town such as SEEDS ( Sarvodaya Economic Enterprise Development Services ) Agromart Foundation Janasurakum Sanwardhana Samupakara Samithiya Vidhatha Samithiya ( Funded through Bingiriya Divisional Secretariat ) Isuru Development Society ( Operated by Wayamba Development Bank or Regional Development Bank ) Villagers in Ihala Koswaththa besides have entree to the Microfinance services offered by other Microfinance suppliers such as SANASA and Cooperative Rural Banks in nearby small towns. They besides rely on other informal recognition beginnings such as money loaners, neighbours, and friends. The traditional system of Seettu is besides practiced by the adult females in Ihala Koswaththa. This systems enables the adult females to salvage to derive entree to chunk amount of money which otherwise would non be able to get. In 2007, Ihala Koswaththa was selected by the Nation Building and Infrastructure Development Ministry as one of the small towns to implement the Gama Naguma Community Development and Livelihood Improvement Project. This undertaking aims to profit Samurdhi receivers island broad. Therefore far the support betterment undertaking has built a library edifice and a undertaking to mend the crushed rock roads and change over them into pitch based roads and concrete tracts has been launched in Ihala Koswaththa. The Samurdhi Program has been chiefly aiming adult females in Ihala Koswaththa for loans. Womans having these loans have become self employment. Harmonizing to Samurdhi field officers, female receivers of Samurdhi in Ihala Koswaththa have been take parting in the Samurdhi selling exhibitions and other assorted trade carnivals. Samurdhi Program and Rural Women s Authorization The basic theory in Microfinance under the fiscal ego sustainability paradigm assumes that increasing adult females s entree to fiscal services empowers them by seting capital in their custodies enabling them to increase their income through self employment and lend financially to their families and communities. This economic authorization is expected to bring forth increased self esteem, regard, and other signifiers of authorization for Microfinance adult females donees ( Cheston Kuhn, 2002, Mayoux, 2002 ) . Most of the adult females interviewed in Ihala Koswaththa small town had obtained loans through the Samurdhi Program by bespeaking in the loan application that they would put in bing income generating activities. This is consistent with the chief aim of the plan, to guarantee recipient engagement in the production procedure by increasing entree to resources for self employment. However, harmonizing to the interviews with recipents the loans were frequently non used for the declared intents. but instead had been used for lodging and household public assistance activities. Mayoux ( 2000 ) points out thatwomen s authorization can non be assumed to be an automatic result of Microfinance plans, unless authorization is an built-in portion of the planning procedure. Microfinance enlargement is improbable to do more than a limited part to empowerment. All of the adult females interviewed in Ihala Koswaththa possessed accomplishments such as weaving baskets, mats, and coconut foliages for thatched roofing, stitching, and doing Sweets. Some adult females had vocational preparation classs such as flower planting and kindergarten learning. Although they had entree to finance through the Samurdhi Program and their accomplishments could hold been utilized for income generating activities, non all of the adult females had an entrepreneurial spirit or were interested in get downing or spread outing their concern. This may hold besides been due to factors such as market and substructure restraints, hazard averseness, deficiency of enabling family environment, and the traditional negative perceptual experience towards liability in Sri Lankan society. Some adult females prefer to work for local industries such as doing incense sticks or lucifer boxes, which are non available in the small town. There were really few exceeding instances of considerable betterment in economic activities through the investing of loans from the Samurdhi Program. The plan is non lending significantly towards the economic authorization of the adult females of Ihala Koswaththa due to the fact that the bulk of adult females did non put their loans in support activities. It is interesting to observe that when it was inquired about how handful figure of their equals had been able to be successful in their self employment with Samurdhi Microfinance services and why the others had non been able to make so, most of these adult females themselves thought that it might hold been due to their deficiency of committedness and hazard averseness. Some adult females were really acute on get downing some little concerns. However, they were non satisfied with the loan sum they received from the Samurdhi Program. They claim that the sum is excessively little to get down a concern. In some instances, they had been able to partly finish their undertakings, such as constructing little stores. However, they were unable to afford get downing their concern because they were worried about taking the hazard of another loan since they had non been able to bring forth any income yet. Refund is required shortly after having the loan, even if they are bring forthing any net income from the new venture. During the interviews with the Samurdhi field staff, it was highlighted that they assess the feasibleness of the loan receivers income bring forthing undertakings by sing them before allowing the loans. Harmonizing to the staff, they monitor the advancement of these undertakings on regular footing. However, the donees said that in most instances, the field staff had non visited them before allowing the loans and did non supervise their advancement unless they had been given a well big amount of money. It was non hard for the receivers to acquire loans by mentioning to their existing undertakings and misdirect the officers. If the receivers made their refunds on clip, the field officers were non concerned with their activities.. There were some instances of non refund of loans reported by the field staff and the group members. All of the adult females who were interviewed managed the loan refunds on clip with the income from their bing support activities, with the aid of their hubbies, or in utmost instances with uninterrupted loans from neighbours and money loaners. This was despite the fact that they had non invested the loan into income generating activities. Although the Samurdhi Program re