Fraud, Deceptions, and Downright Lies About Common Sat Essay Topics Exposed

Fraud, Deceptions, and Downright Lies About Common Sat Essay Topics Exposed Key Pieces of Common Sat Essay Topics Note you do not need to have solved the issue, and a few of the greatest essays will explore problems which need to be solved later on. Once you get your completed essay, make sure that you tell all your friends what a terrific service it is and what's the perfect place to obtain cheap essays. Your essays ought to be unique. It is possible to observe an essay like that's vague and not specific. Whenever you demand quick assistance by means of your task, contact on-line expert writing service which may prepare an argumentative essay on this issue you want. Also, don't forget that the last prompt lets you submit a current essay or even create your very own prompt. If you decide to take part in this section of the exam, you're going to be given 50 minutes to read the passage provided and compose an analytical essay. The great thing about scholarship essay prompts is that they're repetitive. A conclusion is, undoubtedly, the most crucial portion of the argumentative essay because you can either support the excellent impression or destroy it entirely. If you can't immediately think of a substantial day, you most likely don't have a good deal of material for this essay. Even though the essay isn't required but highly recommended, it provides another chance to find out more about you. It gives you an opportunity to show how effectively you can read and comprehend a passage and write an essay analyzing the passage. It is easily one of the most difficult parts of the college application process. The SSAT essay is the initial portion of the SSAT exam. Just make certain to save your essay into a distinct document on your computer so that you may return and read and score it afterwards. For instance, in college, you might be requested to compose a paper from the opposing perspective. One of the absolute most troublesome portions of the application procedure is writing essays. The ordinary application isn't the only essay you must write. You could also get assistance from a professional who knows just what the scholarship committee is searching for. Colleges are more inclined to admit students who can articulate certain explanations for why the school is an excellent fit about them beyond its reputation or ranking on any list. Opt for a distinctive topic that others may not think of, and whatever you select, make certain you know a lot about it! You should have your reasons, and our principal concern is that you wind up getting a great grade. It may be an intellectual challenge, a research query, an ethical dilemma--anything that's of personal significance, whatever the scale. Don't be worried about this at firstbut style for it after your very first draft. The Common Sat Essay Topics Cover Up You can likewise do the essays offered in the very first section of each one of the tests in the Official Study Guide. This question was reworded for 2017-18, and the present language is an enormous improvement. So you don't actually need to locate a topic! The SAT Biology Subject Test Study Guide can allow you to get ready for each of these tests. Your stories aren't debatable. Your response shouldn't be a book report. Be sure to spell out in what way the answers to these questions would help to value the recommendation. Be sure to explain how they would help to evaluate the advice. People have many misconceptions about the SAT essay and thus do not get the very best SAT score possible. Quite frequently, the very best topic is one which you truly care about, but you also will need to get well prepared to research it. Let's take a good look at multi-step difficulties, together with the other main characteristics you want to take note of as you prep for SAT Math.

Jackson vs. Calhoun and the Nullification Crisis Essay

It has been uncommon in American history for presidents and VPs not to get along, however it has occurred on a couple of events: Adams and Jefferson, Kennedy and Johnson, and Eisenhower and Nixon are a couple of models (Jackson versus Calhoun-Part 1). Nonetheless, the most questionable connection among president and his right hand was between Andrew Jackson and John C. Calhoun. Their contradictions started at an early stage in Jackson’s organization, and went on until after the goals of the Nullification Crisis. Invalidation is the refusal of a state to perceive a government law inside its limits and consider that law unlawful. For this situation, South Carolina, drove by John C. Calhoun, wouldn't perceive the defensive taxes in 1828, and 1832, saying that they profited the North and harmed the South. As of right now, the American arrangement of government was genuinely new and the battle among state and bureaucratic force was going all out. Towards the finish of the emergency, Calhoun ventured to such an extreme as to take steps to withdraw from the Union to show Jackson and the remainder of America that individual state governments were to be sure incredible. At the point when the squabble had arrived at its pinnacle, Jackson had enough and concluded the time had come to stop the emergency. The activities and choices made by President Andrew Jackson concerning John C. Calhoun and the Nullification Crisis empowered the Union to stay together, however demonstrated the intensity of the central government. Before investigating Jackson’s activities during the Nullification Crisis it is essential to comprehend where the contradictions between the two men began. In 1829, only without further ado before Jackson was introduced, John Eaton, a companion and prospective secretary of war under Jackson, wedded the widow and non-respectable Peggy O’Neale Timberlake. Since Timberlake was currently the spouse of a man in office, different ladies would need to acknowledge her as an equivalent, which they were troubled about. Jackson, in any case, wouldn't accept that the ladies were legitimized in their conduct, for he considered Peggy to be â€Å"chaste as a virgin† (Barzman 56). After Jackson requested the spouses of the entirety of his partners to respect Mrs. Eaton as a social equivalent, they all agreed aside from one; Floride Calhoun, the spouse of John C. Calhoun. Calhoun later asserted to Jackson he proved unable (or would not) change the psyche of his solid willed spous e. This angered the recently chosen President and started the wild idea of the two men’s relationship. The fundamental angle which filled their poor relationship was their disparities in political feelings. Albeit the two men were from comparative pieces of the nation and both were devoted to the government assistance of their home states, they differ on one significant zone. Jackson was a patriot, who accepted firmly in protecting the Union and putting government control over that of the individual states. Calhoun, then again, was actually the inverse. Albeit preceding 1830, he had been a patriot, Calhoun was currently an extraordinary states’ rights advocate (Barzman 56). This enormous distinction in political way of thinking set everything up for the most significant contention among president and VP and portends Calhoun’s plans for South Carolina. Calhoun had been gathering his data and detailing his thoughts for the fate of South Carolina for a long while, sitting tight for the ideal chance to uncover his end-all strategy. He needed to pronounce invalidation since his home province of South Carolina was financially discouraged, frightful about the eventual fate of bondage, and thought the new levies bolstered the North to the detriment of the South (The Nullification 1). Jackson had a thought that Calhoun was arranging something radical so at the Jefferson Day Dinner on April 30, 1830, he expressed that â€Å"Our Unionâ€it must be preserved†. To this Calhoun answered, â€Å"The Union. Close to our freedoms, most dear† (Barzman 58). After openly proclaiming his devotion to South Carolina before the Union, Calhoun surrendered the bad habit administration and served in the South Carolina Senate. Under two years after the fact, on April 24, 1832, Calhoun sent the South Carolina Ordinance of Nullification to Jackson, in which he announced, â€Å"The individuals of the territory of South Carolina proclaim the obligations forced by said acts, and every single legal continuing which will be from now on had in affirmance thereof, are and will be invalid and void. We do additionally proclaim that we won't submit to the use of power with respect to the Federal Government† (Hamilton 1). Jackson, shocked by this immediate danger to the Union and the Federal Government, was resolved to take care of Calhoun and do anything he could to safeguard the Union. In spite of the fact that Calhoun had expressed in his Ordinance that South Carolina would notâ respond to any commanding demonstrations by the legislature to endeavor to get Calhoun to withdraw, Jackson figured out how to outfox his adversary. Jackson had congress pass a bill in 1833, â€Å"which permitted him to utilize fighters to uphold the tax measures† (Nullification Crisis 1). After the Force Bill was passed, Jackson sent a few warships and several fighters to Charleston to uphold the laws of the administration. A few people contend that what Jackson did wasn't right in light of the fact that dependent on the constitution, Calhoun reserved the privilege to proclaim Nullification for South Carolina. Be that as it may, what Jackson did was additionally sacred and empowered the United States of America to stay as one. Had Jackson not passed the Force Bill following South Carolina’s Ordinance was gotten, Calhoun’s plan may have succeeded and South Carolina would have withdrawn from the Union, demonstrating that the Federal Government truly didn't have any control over that of the individual state. After the details of the Force Bill were set into place, Calhoun started to understand the difficulty he had gotten himself into and needed to locate an honorable method to vindicate himself and his home state. From the start Calhoun endeavored to discover different states ready to help and join his motivation, however no other Southern states appeared to concur with his hypothesis of invalidation. So as to determine the issue, Calhoun went to Henry Clay, the â€Å"Great Compromiser†, for help. Towards the finish of 1833, Clay had the option to draft a trade off which â€Å"pacified South Carolina while permitting the Federal government to stand firm† (The Nullification 2). This exchange bit by bit decreased the taxes over a time of ten years until they returned down to the level which had existed in 1816. Jackson and Calhoun both marked the trade off and the emergency finished without carnage. Numerous individuals contend that it was because of the arranging aptitudes of Henry Clay, not Jackson, which empowered the Union to stay in civility. In any case, had Jackson not passed the Force Bill at first, Calhoun could never have been constrained into searching out Clay for help. With the finish of the Nullification Crisis its importance to the development of the American government got clear. By Jackson crushing Calhoun, and basically crushing the contention of states’ rights advocates, he achieved two significant things. His first achievement was that heâ had â€Å"proved the intensity of the Federal Government to uphold laws, in any event, when states can't help contradicting them† (Jackson versus Calhoun †Part 2). This not just gave the American individuals more trust in the Federal Government, yet made them start to understand that having state governments more grounded than the Federal government would not be gainful to the country. Jackson’s second achievement was that he empowered the Union to stay unblemished. He had delayed any slaughter over the issue of states’ rights †however just for a long time. Had Calhoun’s wishes been satisfied, the Union may have self-destructed and his home province of South Carolina would have become an incredible self-overseeing an area. The distinction in political way of thinking between Andrew Jackson and John C. Calhoun was the foundation of their turbulent relationship, which started at an early stage in their official coexistence. The angry idea of their relationship drove America into the Nullification Crisis during which Calhoun put the government assistance of his home state over that of the association, attempting to withdraw and show the intensity of state government. Jackson would not have states overwhelming the legislature, and passed the Force Bill permitting him to utilize the Federal Army and Navy to get South Carolina to comply with the laws the Federal Government had made. State Government and Calhoun lost their fight and the Federal Government demonstrated its forces. Despite the fact that he couldn't delete the issue of states’ rights, were it not for Jackson’s shrewd choices during the Nullification Crisis, the United States might not have existed, as a solitary association, as it does today.

The Truman Show Film Research Paper Example

The Truman Show Film Paper In class we have been contemplating The Truman Show. A film where one man lives under the hands of the media. His entire life has been one untruth; all that he represented was extortion. The Truman show is self-reflexive. This implies the substance of the film is mirroring the media itself. The Truman Show is about a film inside a film, it shows the life of exclusive Truman Burbank. Concealed cameras set inside the set screen each second of his life. Truman occupies a world like Big sibling. Any place he goes he is being viewed. The watcher is motivated by Truman and feels frustrated about him entirely through. In my article I will dissect the film and attempt to clarify what I think the entire film represents. The story of The Truman Show is All knowing, this implies the watcher knows more than the characters inside the film. We as a whole know Trumans world is bogus, yet Truman has no clue. Truman Burbanks life is one immense untruth; he lives on Seahaven the universes greatest studio set. From the second he was conceived, his life has been on air all day, every day and much to his dismay that he is the universes most adored TV star. Aside from this dull mystery, his life is for all intents and purposes great. We will compose a custom exposition test on The Truman Show Film explicitly for you for just $16.38 $13.9/page Request now We will compose a custom paper test on The Truman Show Film explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer We will compose a custom exposition test on The Truman Show Film explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer He possesses the absolute best town, with every single upbeat individuals where everyone knows his name. His life is hunky dory. Obviously, everything is so impeccable in light of the fact that its all organized, alongside all occasions throughout his life. The Truman Show likewise follows Todorovs Theory. The article is when Christoff and the characters are discussing the show. Toward the starting we are acquainted with the give with an indication, which helped us acclimate us with the TV appear. The mis-en-scene of the casing was a dark screen with white Sans Serif textual style as the body, the content revealed to us how long into the show it was. This helped set everything up somewhat more. At the point when we are acquainted with Seahaven and we in a split second remember it as an ordinary cheerful American town, for example, you would find in a melodic. The story creates when Truman meets Lauren (Sylvia) and he begins to look all starry eyed. She takes him to the sea shore and reveals to him that everybody can see him. She reveals to him her name isnt Lauren its Sylvia. Coincidently she gets whisked away to Fiji. From that second on, Truman begins to get dubious. This is the confusion. A peak is arrived at when Truman get away and is out on the pontoon. In the goals Trumans pontoon reaches the stopping point at the edge of the set and finds reality. The conclusion of the film happens when Truman chooses to leave. The story closes with his great words. Incase I dont see ya, Good Morning, Good Evening and Goodnight. This is a cheerful consummation and it puts a tear to our eye. The crowd inside the film and all of us feel compassion towards Truman. Jim Carrey plays Truman. Truman Burbank is lighthearted, upbeat and revered, dissimilar to most jobs Jim Carrey is probably going to play. The TV crowd love him since he is so pleasant. Infact he is so pleasant it is practically unbelievable. A large portion of his character is developed and constrained by Christoff. His reality is so pleasant, its like a fantasy, so gooey its stunning. We feel frustrated about Truman since he is so adorable yet has no protection and his entire life is checked and in plain view to the world. Maybe everybody is selling out him. He dresses like the ordinary American family man. In a wooly slipover jumper or a suit. We relate to Truman and mentally become a piece of his reality. Us as the crowd love him and consider him to be the saint in the show. We identify with Truman considerably more since he thinks he has a spouse who cherishes him and a closest companion he can trust. Much to his dismay he has been undermined and when he leaves Seahaven he needs to re-assemble his life once more. Meryl, Trumans spouse is the regular blonde American housewife. She frequently wore a cover or a medical attendants uniform, which is a general run of the mill occupation of a lady. Meryl has a tang of arsenic in her sweet voice Here Jane McDowell is recommending that she sounds excessively sweet, that her voice is very scary. I concur with him in light of the fact that on occasion Meryl sounded so pleasant that she appeared to be bogus. Marlon-Trumans closest companion is completely constrained by Christoff. In the scene where Truman is brought together with his dad, Christoff is directing to Marlon what to state. At that point when Truman disappears Marlon is under Christoffs directions and does precisely what Christoff is advising him to do.. He is extremely faithful to Christoff and appears to be very manikin like, without his very own psyche. Christoff is spoken to as a cliché chief. The Truman show is his life, he is fixated on the show and is eager to forfeit anything for it-even Trumans life. As Truman is getting away on the pontoon Christoff makes a tsunami all together for Truman not to discover he world is a fake. Christoff is presumably the most remarkable character in the entire film. He wears all dark, which could imply detestable. He shows no feelings towards Truman. Which makes us, as the crowd disdain him. He is the miscreant in the film. Christoff resembles a divine being to Truman. Not in the method of a saint yet the word God is even more an allegory. He has made Trumans life what it is and has the ability to do what he needs to him. Christoff structured Trumans world and picked all his loved ones. Close to the end when Christoff comes clean with Truman, all Truman can hear is Christoffs voice. This represents Christoff as a God to Truman. Sylvia is nearly the main genuine Character in the film. Truman worships her, and made an image of her utilizing cut out from magazines. He hauled this around with him. Sylvia is straightforward to Truman and reveals to him everything. At the point when she got tossed off the set. Lauren is seen watching the show. At the point when Truman giggled she snickered with him. At the point when Truman was in a difficult situation she cried. There are two distinct kinds of Enigma codes in The Truman Show. One being the pieces of information given to Truman and the subsequent kind is given to us-the crowd. The principal code given to Truman is the point at which a light drops out of the sky at the earliest reference point. Truman is astounded from the outset however neglects to consider anything it, and he goes on with life not surprisingly. As the film goes on, more mystery codes are given to Truman and in the long run prompts his break. Such codes incorporate Meryl having her fingers crossed, the limited quantities of downpour that bafflingly tails him, the vanishing of Sylvia, Sylvia coming clean with him and when a piece of the set is coincidentally uncovered. As Truman got increasingly dubious he paid heed to these codes and turned out to be progressively mindful of them. At some point, he is in his vehicle tuning in to the radio when the sign meddles and he hears individuals discussing him and his activities. He begins to see little things like individuals hed never met knowing his name. Some other time he runs into the street and the transport halted straight away, with a creepily brisk response. Additionally, Truman begins to see different things, he predicts a woman with blossoms, at that point a scarab, and afterward a couple would come around the bend. Truman at that point goes frantic and attempts to escape with Meryl. Coincidently theres a break at the force plant and Truman needs to get back. Every one of these pieces of information leave Truman dubious and he attempts to get away. There are additionally puzzler codes given to us as the crowd. When Truman sees Sylvia in the library she is wearing an identification saying, How will it end? The camera performs and Extreme Close up on this bade with the goal that we cannot concentrate on whatever else. This is so Peter Wier can guarantee that weve rebelliously observed it and to accentuate the significance of the identification. This makes the crowd wonder what happens toward the end. Other camera methods are utilized in The Truman Show to pass on messages to the crowd. During the film the camera take various edges and perspectives to shift the scenes and to keep the watchers consideration. Without various camera shots the film would appear to be extremely plain and amateurish. Bunches of various shots are utilized on purpose. The camera applies a low point and gazes toward Christoff emblematically making him look all the more remarkable. At the point when Truman and Meryl are talking the camera switches shots, this is called shot opposite shot. This empowers the crowd to see the two subjects inside the scene and makes the discussion all the more fascinating. Additionally then extraordinary camera methods can be utilized inside each casing. In model, the camera applies a high point recording Truman, this causes Truman to appear to be more week and mediocre compared to Meryl who is being shot at a high edge making her look progressively prevalent. Truman is maybe made to look more fragile than Meryl in light of the fact that as of now in the film Meryl and Christoff had dispense of control over Truman and maybe in a manner they were controlling him. All through the film POV shots are continually utilized. The impression given to us, as the crowd is that these cameras are stuck onto the on-screen characters inside Seahaven. For instance, when Truman was attempting to escape there was fortuitously an atomic break. One of the alleged laborers of the plant had a camera set inside his Mask. While this specialist was showering Truman to thump him oblivious we saw this from the perspective on the laborer. These perspective shots cause us to feel considerably more the climate of a TV set. I could tell when there was a POV shot in light of the fact that the sides of the casing were blurred. This helped me acquaint myself with a POV camera so I could differentiate between a normal camera and a shrouded one. During the scene where Truman is brought together with his dad a variety of shots are utilized. A nearby of Trumans crying face is utilized, this brings out Trumans feelings and causes the two crowds to feel sorry for him. A since a long time ago shot of Truman and his dad embracing is utilized to show the audie

Family Love Letter

<h1>Family Love Letter</h1><p>Do you need to figure out how to compose a family love letter? Have you at any point considered thinking of one preceding? Sending a family love letter can be an extremely positive one for somebody who is battling with a relationship, for instance. The more innovative your letter is, the more fruitful it will be.</p><p></p><p>In the late spring of '94 I was experiencing a really unpleasant time in my relationship and I had concluded that the best activity was send a letter to my better half after we were done with school so we could recall each other in more joyful occasions. The way that I was not seeing him all the time and that I realized I would need to return to class to turn into an educator didn't trouble me as much as I suspected it would. Be that as it may, I assumed if I kept in touch with him a decent letter I would see him consistently, and on the off chance that he enjoyed it, possibly he would call me.</p><p></p><p>While composing a family love letter didn't trouble me as much as I suspected it would, I needed to attempt to consider what to state, and the most ideal approach to do this is to discover an example or format that you could use for it. What's more, by finding a format, I mean perusing one that is somewhat strange and utilizes unexpected words in comparison to most customary love letters.</p><p></p><p>It doesn't make a difference how impeccable the family love letter is, in the event that it isn't composed effectively, it won't benefit your affection for your life partner in any way. The main individuals who will see that the letter isn't in a similar style as every other person's are the individuals who should understand it, so get that in your head.</p><p></p><p>If you are an essayist and you are keen on utilizing an example to compose a family love letter, set aside some effort to make sense of how to make it sound overall quite basic. There are times when you may find that the most ideal approach to accomplish something is to record it and afterward chip away at it in a journal until you get the sentence structure right. At that point you will have a layout to use in your own writing.</p><p></p><p>There are formats that you can discover on the Internet that can be utilized to assist you with thinking of your own layout. When you have a layout, you should discover what words you will use to show your letter. This is the most significant piece of composing an example for a family love letter.</p><p></p><p>Once you have composed the format and have the example prepared, you can begin to see where the thoughts originate from. This should be possible in your own particular manner, yet you will presumably need to assemble a family love letter each time you need to. That way you will realize how to make it sound great and get it went around among your companions and family.</p>

Is It Ok to Use You in a College Essay?

<h1>Is It Ok to Use You in a College Essay?</h1><p>You might be thinking about whether it is alright to utilize you in a school article. Numerous understudies wonder on the off chance that they can utilize 'you' to expound on themselves, regardless of whether they aren't really revealing to you anything. The truth of the matter is that most journalists use 'you' to communicate what the understudies have experienced during their life and hence, it is a suitable method to begin an essay.</p><p></p><p>However, in the event that you truly need to make your school article as well as can be expected be, you should utilize an alternate tone. So as to shield this from turning into the standard style of composing, you should know about how to compose 'you' so you can pull off utilizing 'you' in the paper. To do this, you should have the option to portray yourself as completely as could reasonably be expected, with the goal that the peruser can see exa ctly how you stand apart among the various understudies in the class. In the event that you do this, at that point you are only one stage away from changing the paper for a superior grade.</p><p></p><p>You can do this by utilizing the words and accentuation utilized in the creator's name, rather than utilizing it. It might sound odd, yet it is in reality significantly more compelling than saying 'this is a writer named John Doe,' in light of the fact that the writer will perceive who you are talking about.</p><p></p><p>To give you a few thoughts, the best spot to begin is utilize the individual's name to enable you 'to fill in the spaces.' For instance, on the off chance that the writer was named John Smith, at that point you could essentially utilize the principal name of the writer and his last name, or even include a center beginning on the off chance that you might want to.</p><p></p><p>After you have made t he ideal title for your last draft, at that point you can utilize 'you' in the body of the paper. In any case, you need to ensure that you don't slip into utilizing the name of the writer in your article. This is on the grounds that you have to portray yourself similarly that the writer has depicted himself.</p><p></p><p>So, at the end of the day, rather than 'John Doe is' utilizing 'the writer John Doe is'his thought John Doe has,' in light of the fact that the author will perceive that this individual is portraying himself. You would prefer not to utilize his name, either.</p><p></p><p>Finally, you can generally have a pleasant clean up on the off chance that you might want to. For instance, you can utilize the opportune spot setting on the page to replace the creator's name and a little space for you to put something. This will let you get an opportunity to establish an amazing first connection for the reader.</p>

Ruthless How to Introduce a Book and Author in an Essay College Strategies Exploited

<h1> Ruthless How to Introduce a Book and Author in an Essay College Strategies Exploited </h1> <p>In expansion, you should exclude expressions such like I think in your theory. In the event that you can't find a satisfactory proclamation in the creator's own words or in the event that you find that the proposal articulation isn't all around grew, at that point you should make your own one of a kind early on postulation explanation that covers the entirety of the material. A postulation could be created of more than 1 sentence. Heaping on guides to avoid unclearness. </p> <p>These passages must be made out of only a couple of sentences each to forestall any disarray. A layouts makes it possible that you know how you'll introduce the proposition proclamation. The data in each passage should be about the proposal articulation. </p> <p>You could likewise observe totally free compositions. You can likewise observe email compositions. You can likewise observe formal compositions. You may likewise observe talk with compositions. </p> <h2> The True Meaning of How to Introduce a Book and Author in an Essay College </h2> <p>You consistently comprehend what things to expect with self-presentations. For example, you need to realize what your instructor might want you to incorporate. Rehash what you've perused in your words, and be sure to give the creator credit using an in-content reference. In the event that you had just forgotten about various words in mid-sentence, at that point you wouldn't require a period. </p& gt; <p>The absolute initial move towards book report composing is to pick a book and read it. It's conceivable to make reference to the perusers whether you accept they have to peruse the book and why. You're not composing for yourself here, however rather for a significant explicit kind of peruser. The peruser might want to learn more.</p> <p>It will be helpful that you procure a little note which might be utilized to portray some circumstance taken from a book. In spite of the fact that there are different musings about how to make the title out of the books appropriately, the chief issue is to be predictable with one style through the full article. The second kind of sentence invigorates the creative mind and delivers a connection to the creator. The absolute first sentence must be direct and should tell perusers the book you're perusing and the writer. </p> <h2> The Advantages of How to Introduce a Book and Author in an Essay College </h2> <p>Even however there is certifiably not an exact rule on the term of your paper, you should keep it as brief as conceivable to abstain from getting diverted your essential objective. For instance, state if it's anecdotal or nonfictional. The absolute first time is to ensure each passage is clear, and the structure is intelligent. Following that, make a review of the chief focuses presented in the body passages. </p> <h2> What How to Introduce a Book and Author in an Essay College Is - and What it Is Not</h2> <p>In most of examples, your coach will give you a manual for follow to have the option to think about an exposition that satisfies your course goals. You can start with your blueprint and after that get to the entire paper composing. Discovering how to make an article presentation may show up the perfect beginning for all intents and purposes any understudy who is battling with his scholastic endeavor. You don't have to create papers alone. </p> <h2> Top How to Introduce a Book and Author in an Essay College Choices</h2> <p>It isn't constantly important to achieve this, and too many will harm the flow of your article. In case you're in the focal point of your exposition composing technique, you will need to see our proposals on what paper entanglements to forestall. These fou r phases should assist you with doing a commendable exposition presentation. </p> <p>Just like everything, when composing articles about books, there's a recipe or rules you need to follow. Many individuals request that how form a paper. On the off chance that you might want to see how to make an article presentation for a book, there are a couple of things you require to know that. An incredible school article acquaintance is basic with making your paper stick out, so there's a lot of strain to get it precisely perfect.</p> <h2>The 5-Minute Rule for How to Introduce a Book and Author in an Essay College </h2> <p>Speaker-This is the thing that you should focus on. There are bunches of cases that necessitate that you present yourself through composition. Continuously center around the headline. </p> <h2>Top Choices of How to Introduce a Book and Author in an Essay College </h2> <p>Avoid perusing a poor book since it will burn through your time and vitality. Since that time, the book was updated multiple times an d the current release was distributed in 2012. Turning out to be in a situation to sum up a book in not a straightforward thing particularly in case you're not perusing it mindfully. There are an excessive number of books on the planet for us to get stuck perusing a horrendous book. </p> <h2> Introducing How to Introduce a Book and Author in an Essay College</h2> <p>Let's glance at the underlying one, Snow Day! An elegantly composed, fascinating article can compel you to disregard what you're experiencing for a fast second. Afterward, when you're listening that what you recorded story to discover a sentiment of the best approach to compose it, it is likewise conceivable to get a sentiment of the tone with which you wish to recount to that story. On the off chance that your story happens in only a little town, feel free to make reference to it. </p> <h2>The Unexpected Truth About How to Introduce a Book and Author in an Essay College </h2> &l t;p>Think of how you feel when you read a few territories of the book to discover a feeling of the tone. Continuously create a layout for the presentation and particularly when you have a lot of data you wish to add to it. There isn't any assurance that online book synopses are exact and hence don't set your trust inside them. Verify that you've adhered to all the educator's guidelines and acquire a correlation with the guide sheet. </p> <p>It is flawless to note crowd isn't constantly appropriate as there are events when work isn't coordinated towards anybody. Whatever it is, make certain it's one of a kind enough to get consideration. Consider a brilliant snare since the absolute first sentence should serve the aim of pulling your peruser in. </p>

Background Of Islamic Banking Essay Example Pdf - Free Essay Example

Sample details Pages: 23 Words: 6757 Downloads: 8 Date added: 2017/06/26 Category Finance Essay Type Narrative essay Tags: Banking Essay Did you like this example? This chapter provides a brief background of Islamic banking in the World as well as in the UK about its system and practice. The Islamic financial law has long history but Islamic banking and finance industry came into existence with Profit and Loss Sharing investment by Egypts Mit Ghamr Saving Banks in 1963. After official existence Islamic banking has grown in the area of finance, banking, insurance, mortgage, and assets management business with annual growth rate of 10-15 %. Don’t waste time! Our writers will create an original "Background Of Islamic Banking Essay Example Pdf" essay for you Create order But actual development in Islamic banking is started after 1970 with new investment techniques, strategies and product development (Steward, 2008). Dubai Islamic Bank (DIB) is known as world first Islamic bank it was formed in 1975. Currently it has 48 branches which great services. Dubai Islamic Bank offers higher returns than conventional banking system as well they provide auto, home and personal finance products, (Platt, 2008). Islamic banking is a relatively little known in the West, and greater interest in disgust. The idea of Islamic Banking, but contains much more than the prohibition of interest. Islamic banking shows that ethics and finance can be connected to serve the society. The idea is to eliminate the banking system of injustice in the society. A clear link with the religion of Islam can lead to mistrust among the citizens in the West, perhaps out of fear of the unknown. Todays global society in the Arab world and the Islamic banking system is closer to us and must be treated. If the Islamic bank and its ethical values for the first time it will be utopia, the economic actors in the world. Attitudes are changing, but slowly, and in recent years, the value of the traditional banking system, which has begun to look neutral, the conscience of a growing number of people. Author do not want to funds, banks and financial institutions, releases to companies which invest ethically and socially harmful act. The aim of this study is the question of Islamic banking important to clarify and explain some of their links to politics, history and religion. Islamic finance is on Islamic law Shariah that offers all the solutions and economic problems of the foundation. Under Islamic law, interest completely forbidden in Islam, because the interest rates very negative impact on society, such as the ability, purchasing power and increasing poverty, uneven distribution of the credit crisis and the economy. According to Usmani (2005) the main drawback in interest based system is financier has no concern with money when he gives an interest bearing loan to a client. But in Islamic financial contract cash money is not given to client, first of all they purchase the commodity and transfer to client then all profit and loss will be distributed between parties according to agreed terms and conditions (Usmani, 2005). Authers allegations that investment in Islamic financial system is very good for the economy, since the actual failure and the equilibrium, and it is helpful to improve the economy and society. Economic Law of Islam, there are some funds methods, such as Musharaka, Murabaha, Ijarah mudaraba and all the details of the case of the treaty, and some agreements in place systems for sharing profits and losses. Islamic financial system is based on the sharing of risks between the parties and the burden is not entirely consistent with the Parties. Islamic finance is not only the Muslim community because they are the moral and ethical approach to finance and investment. Islamic finance is also popular in all communities in the United Kingdom. Islamic finance has a number of challenges in the UK because the financial system is attractive to the traditional banking system, but the Islamic banking has great potential in the United Kingdom because it has less to five years in an Islamic bank carried out a significant role in the British financial markets . 1.1 The Problem According to the figures of Office for National Statistics 2001, there was 2.2 million (3.4%) Muslims living in the United Kingdom (National Statistics, 2010), but according to Home Secretary the Muslim population is increasing with high growth rate. In just seven years there is an increase of 40,000 Muslims in the UK and figures reached on more than 2 million which consist of 3.3% of total UK population (Guardian, 2010) There was no way available to the Muslims in the United Kingdom before 2000, but the Muslim population would spend their lives for their faith. Depending on the interest of Islamic education in Islam is strictly forbidden, and they want banking services such as savings accounts, checking accounts, mortgages, insurance and loans, backed by the Islamic law Shariah. The United Kingdom is a non-Muslim and all of its financial rules and rules for the traditional banking system. While the Muslim community has an active role in the economy, there was no need for a s ystem that can start to accept these people. Islamic banking began in England in 2003, so that the Financial Services Authority. By 2003-2009, there is sufficient improvement and development of Islamic banking. There are currently two main part of traditional banks and Islamic banks, Islamic banking in its entirety. But the growing Islamic banking and start-up phase, and the Islamic bank is is a number of challenges in western society as a socially, economically, and the contract terms. Instead of all the Islamic Bank now traditional banks also offer Islamic banking services with traditional banks such as HSBC Amanah offers the authors name is his own account in the name Lloyds TSB Islamic current account. 1.2 Aims and Objectives The United Kingdom is a non-Islamic country, the financial and banking rules most of the traditional banking system, because it is an Islamic bank is facing difficulties in the way of his progress. In other words, these problems, big challenges in the Islamic banking business, if they work hard to develop the Islamic banking in a short time. The study aims to identify opportunities for development and growth of Islamic banking in the United Kingdom and who are the biggest problems currently facing from the Islamic banking in the world in general and the United Kingdom in particular. I have divided the investigation of issues in three different areas, know that the banks and the Islamic banking sector, because is difficult without a basic understanding of information, develop the financial system, whether the opportunity for growth and development in the UK and what are the Challenges for Islamic Banking. This area will cover the basic and fundamentals of Islamic banking. It show s if the community and banks have better understanding about Islamic finance and its exercise then it will play important role for development of Islamic banking in the UK. How important is to know the fundamentals of Islamic banking for Muslim Community and services providers? Do Muslim community really believe and understand the difference of Islamic and conventional banking? What are the factors that make Islamic banking prior to conventional banking to Muslim community? How important is Shariah law and its practice for Islamic finance and the role of Islamic scholars in promoting Islamic banking services and its products? The main research objectives of this project to be addressed are as follow: Is Islamic banking sector has a potential for product development? Whether Islamic banking is in position to satisfy its customers? Is Islamic banking has a potential to perform active role in the UK Financial Market and its growth in market development? Do Islamic banking able to enhance the investment opportunities in the UK and whether it can play prominent role for the UK economy? Is there any affect of the UK environment (political, social and geographical) for growth and development of Islamic banking? Is Islamic banking has proper regulatory and institutional framework in the UK? Whether Islamic banking has any problem in the UK in respect of supervision and scholarly committee? Is Islamic banking full informative to its customers or facing any difficulty in its marketing sector? Is Islamic banking in position to survive and develop in the age of competition and globalization? Ch. 2 Literature Review This literature review shows the extent of the concept and principles of Islamic Banking around the world in general and particularly in the United Kingdom. Islamic finance is a universal concept of the traditional banking system, the practice of many of its products in most high street banks in Britain such as HSBC, Lloyds TSB, and just as the Islamic Bank of Britain. In this study, an attempt at a qualitative and empirical success, challenges and opportunities for Islamic finance UK. This reseach is of great importance in recent Shariah the implementation of legislation in the UK. Islamic Finance for a large portion of their customers and the rewards and the British economy. 2.2 Concept of Islamic Banking Islamic banking appeared on world forum as a prominent player over two decades ago. But actually many principles of Islamic banking system have been generally accepted all over the world for centuries rather than decades (Islamic-Banking, 2010). Islamic economic system is different from the Muslim community that the situation in time. In fact, the Islamic finance system, the ability to the demands of society for an honourable way is to do justice. Islamic finance is a growing sector and its diversity and different segments of the spectrum. It is for Muslims and Muslims religious societies and countries where Muslims are a minority. Moreover, it is a standard width: a non-Muslim people and the communities that ethical financial solutions have to look for, interested in Islamic banks. It is clear from banking practice that Islamic banking is equally popular in all communities (HSBC Amanah, 2010). It is clear from above statements that Islamic banking is not only Islamic or specifi c banking but actually it is a system which provides more ethical and moral concept of financial issues as well as it is really helpful to create a peaceful, economically prosperous and welfare society. The Organization of Islamic Conference (OIC) defined an Islamic banking as a financial institution whose statutes, rules and procedures expressly state its commitment to the Principles of Islamic Shariah and to the banning of the receipt and payment of interest on any of its operations (Hassan, 1999). This explanation, it is clear that the interest is completely forbidden in Islamic law, because they affect the poor and the negative impact on society and the economy. Base formed in the light of economic development, because of how rich people get wealth through the impact on the middle and lower classes. Economy, interest rates, the middle class can have a positive impact on the economic system gradually towards travel economy, financial crises, such as the credit crisis. Islamic Finance is a broker and a trustee other peoples money, with the difference that it shares, the gains and losses to its depositors. In practice the most Islamic banks have an organizational set-up very matched and similar to their conventional counterpart banks (Dar and Presley, 2000). Islamic banking is phenomenally profitable because, although its underlying funding mechanism is the same as conventional banking, its default experience is better, and its charges higher and less transparent (Cook, 2006). Because of the Islamic bank is not very different from the traditional banking system. They are the same regime as the economy and the economy, but there are fundamental differences in approaches and objectives. Islamic financing is the interest rate and the main objectives are the same department, reduce poverty and investment. It is very advantageous Muslim population who wish to solve all the financial matters of religion. As the number of Islamists, and some banks, high street in the world to offer products and services that are compatible with the Shariah (standard Chartered, 2010). Although the western media frequently suggest that Islamic banking in its present form is a recent phenomenon, in fact, the basic practices and principles date back to the early part of the seventh century (Islamic Finance: A Euro money Publication, 1997) (Islamic Banking, 2010). These statements are the result of the fact that the Islamic finance system, which is not new. Its roots are in the early days of Islam and the age of Hazrat Umer was settled form of discipline for all financial matters of Islamic law on state enterprises. Islamic financial system has gradually improved, and today it is desirable and in many Islamic countries and some non-Muslims, particularly in the United Kingdom, the USA and Australia. Although Islamic finance is a very famous Muslim and non-Muslim communities and it is a system that is completely solve the economic and financial situation, but also the Islamic financial and banking system is not structured and Islamic countries. Islamic finance is the shortage of challenges for the administration and the lack of an institutional framework for the implementation of this plan for the child. The banking system is relatively fixed, and the natural, economic and institutional all Muslims and non-Islamic countries. 2.3 The Principles of Islamic Banking The principles of Islamic banking are based on Islamic law, known as Shariah, which mean: 2.3.1 Interest (Riba) Interest cannot be paid or received on transactions in any case where money is exchange for money because the money is not actually any value accordance to Islam if it is not employed in business. Prohibition of Riba (Interest) Many Muslim scholars and some western thoughts believe and still considering that just interest free banking is as an Islamic banking. Actually interest is fully prohibited in Islam that is proved in Quran and Sunnah. The interest that you give in order to increase the wealth of the people, does not increase in the sight of Allah; and the Zakat that you pay in order to win Allahs approval, its payers do indeed increase their wealth (Surah Al-Rome no. 39)(Shafi and Usmani, 1997, p.67). It is beautiful and powerful statement from Quran which shows that interest is prohibited by God because it can only increase the wealth of individual not the society. Exclusion of interest from financial activities does not necessarily mean that the financier cannot earn a profit. If financing is meant for a commercial purpose, it can be based on concept of profit and loss sharing, for which Musharakah and Mudarabah have been designed since the very inception of Islamic commercial law (Usmani, 200 5, p.10). It is wrong and confusing the concept of society in the Islamic banking system, but Islam provides an alternative that the proportion of total investment and made a profit. In the event of losses by all parties to the agreement agreed conditions have suffered. Islamic financial system is effective only if all economic activity is guaranteed under the law of Islamic finance. Allah deprives interest of all blessing and develops charity; and Allah does not like an ungrateful, sinful person ( Surah Al-Baqarah no.276)(Shafi and Usmani, 1997, p.49). Zarqa (1983), Khan (1986), Chapra (2000), El-Gamal (2000) and Gafoor (1997), have illustrated the macro-economic stability that can form a profit and loss sharing system; an Islamic form of banking would replace interest-based transactions that characterise western transactions (Shanmugam, Perumal and Ridzwa, 2004). It is from the top states that Islam is not interested in made in the room. Interest rates have been totally p rohibited in Islam. On the basis of the economic interests of depositors more interest and desire, their property would increase by interest preserved. They were not involved in investment, and this will lead to the collapse of the credit crisis. On the other hand, banks charge high rates of low-interest loans, it will cause difficulties for the poor in society and lead to the rich and the industry giants. 2.3.2 Gharar and Maysir Transactions must avoid uncertainty (Gharar), speculation (Maysijr) or anything that could lead to the unjust enrichment or unfair exploitation of one of the parties to a contract (Imeson, 2007). In case of speculation the big investors and industrialists turn the economic financial system toward their own and personal benefits. 2.3.3 Unethical Businesses Transaction cannot be made that involve prohibited products or activities, such as alcohol, illicit drugs and tobacco because Islam wants to develop a ethical and friendly environment in the society (Imeson, 2007, p.5). 2.4 Fundamentals of Islamic Banking Islamic commercial law is actually based on four basic principles. The fundamental of first Islamic business principle is profit and loss sharing and the second is based on fixed service fees and charges and third is based on free of cost and no charges. The other principles are changing with the situation of the business and its operation (Bellalah and Ellouz, 2004). Musharakah (Partnership Finance) Musharakah is a contract in which the bank and the industrialist contribute jointly to the capital of a company or project to make a profit. Profit and losses are shared between the parties on agreed term and condition of the contract. Mudarabah (Trust Financing) Mudarabah is a contract in this contract it is the responsibility of bank provides all the capital while the partner contributes commercial efforts, professional skills and experiences. Finally, the bank receives a predetermined proportion of the profits. In the case of a loss, the bank bears all the financial loss whilst the manufacturer goes unrewarded (Rob, 1992). It is concluded that this system encourage the individual to participate in financial activity and prove himself as an active part of society. The third principles and the free charges among the principles within the fixed charges category are: Murabaha (Cost-plus financing) The Murabaha is a contract in which the bank informs the industrialist about the acquisition cost of a good and negotiates with him the profit margin. It is one of the most popular modes used in Islamic banking system in different countries to promote interest-free transactions. Bai-muajjal ( Deferred Payment Sale) The Bai-muajjal is a deferred payment sale contract which is traded without additional costs. Ijara (Leasing) The Ijara is a rent contract by which the owner of the good rents it to another party beeding it. After that the latter can purchase it and rent is reduced until the good become the possession of the client (Bellalah and Ellouz, 2004). Nowadays the Home Finance and Islamic mortgage are based on the concept of Ijara and it is very successful tool in Islamic financial system. Quard Hassan In Islamic financial system the customers who are facing financial crises or unpredicted expenditure banks provide welfare loan without paying any fees or interest. According to Rob (1992) Islamic banks can raise the funds through sale of shares to public and further through three main deposit accounts such as investment deposits, saving deposits and current deposits. Islamic and Conventional Banking Islamic banking has the same purpose and practice of the traditional banking system, except that the Islamic banks in accordance with the laws Shariah. The basic principles of Islamic banking are profit and loss sharing agreement between the parties and also strongly prohibits Riba (interest). Islamic banking and conventional, in reality it is no different. Both the banking system is virtually the same objectives, and the only difference between the application of relevant information, because the interest is completely forbidden in Islam. Islamic banking is the traditional area of banking, will ensure that Islamic banking that all financial matters in accordance with Islamic law and economic rules and regulations and in particular the state, such as the Financial Services Authority (FSA), the United Kingdom (Shanmugam, Perumal and Ridzwa, 2004). Islamic banking almost provides same services as conventional banking such as current accounts, saving accounts, insurances, mortgages an d investment opportunities in the society. According to Nienhaus (1995) Islamic banks, in compliance with the welfare principle of Islam, offer facilities more or less the same segment of the economy as the conventional banks. The practices and situations are not so different from conventional banking such as the costs of funds are closely related to interest rates and guarantees are nearly as important in Islamic banks as they are in the conventional banks (Hassan, 1999). This research has the functions of these statements of Islamic banking are paired with traditional banking system as interest expense compared to conventional banks, Islamic banks can offer services such services on the pricing of mortgages and charges brought prices are probably the same in both the banking system, but only that the Islamic banking rules of Ijarah in which the payment follow up on the basis of one months rent plus the cost of services of the bank. Scope of Islamic banking in the UK Office for National Statistics 2001 figures UK there are about 1.6 million Muslims are living in UK, which comprises 2.8% of the total population of the country, in which 50% are estimated to reside in the London area (BBC, 2010). According to Home Secretary UK, Jacqui Smith, in United Kingdom the Muslim population is nearly 2 millions. It means that the Muslim population is about 3.3% of the UK population (guardian, 2010) Figure: 1 The Muslim population in some European countries Country Total Population Muslim Population Percentage % Belgium 10.3 million 0.4 million 4% Denmark 5.4 million 279,000 5% France 62.3 million 5 to 6 million 8 to 9.6% Germany 82.5 million 3 million 3.6% Italy 58.4 million 825,000 1.4% Netherland 16.3 million 945,000 5.8% Spain 43.1 million 1 million 2.3% Sweden 9.0 million 300,000 3% Switzerland 7.4 million 310,800 4.2% United Kingdom 58.8 million 1.6 million 2.8% Source (BBC, 2010) There is an increase of 400,000 in Muslim community in just seven years. The Muslim is fast growing community in UK, it reflects from the figures from the population censes of 2001 which increase from 2.7% to 3.3% in 2008 From these figures it is clear that France and Germany and UK are the most Muslim populated countries. But in UK the population growth rate is higher than other countries. The UK Government is also interested in growth of Islamic banking because Muslims are playing prominent and active role in the development of the United Kingdom. With the growth of Islamic banking the Muslim community can free contribute and enhance the investment in their permissible businesses. Figure: 2 The Muslim Population in the UK According to Community Background No. Country Origin Share in Muslim Population 1 Pakistan 43% 2 Bangladesh 17% 3 India 9% 4 Arab, African and Other 31% Source (Guardian, 2010) Figure 2 is reported that the majority of the Muslim community was moved to the South Asian countries. The author think the reason for the rapid growth of Islamic banking in the United Kingdom is the South Asian community because they are better trained and are strictly follow the Islamic rules in all areas of their lives. Germany and France, the Muslim population of Arab origin, they are interested in investing their money in their own country. But in Britain most of the High Street for small and medium-sized enterprises in the Asian community. It has the advantage that the British Government is to improve on the activities of Islamic finance in the country, it is really to improve the economy and reducing the economic crisis. To meets the requirements of the Muslim community, the Islamic financial products in the United Kingdom for several high street banks such as current accounts and mortgages and other financial services. The United Kingdom is the first country in the West, wh ich began in the area of retail banking, whether Shariah. Islamic Bank of Britain was founded in 2004, which led to the FSA. The Kingdom is a major economic center and international companies and the Middle East, the most traditional banks offering Islamic banking products in the United Kingdom and other countries as well as (FSA. Gov, 2010) Growth and Development in UK Islamic finance has grown worldwide by 10-15 percent per year over the last ten years that the popularity of the traditional banking system been so fast that the Islamic financial institutions are currently more than 51 countries. Despite continued growth, many felt that supervisors and market participants, the process by which Islamic banks are introduced into the mainstream (Sole, 2007). Although the growth rate of Islamic banking is very high, but the important thing to understand, because many Muslims have not yet sufficient information on the reasons for it. All major banks have opened Islamic financing windows, for example, the Saudi-American and the Kingdom of Saudi Arabia banks and international financial actors such as HSBC and Citibank, one Islamic banking unit created. Lloyds TSB expands to the requirements of Islamic banking more and more the possibility of customers in the United Kingdom. Islamic current account and financial service products, which is governed solely by Islamic law Shariah in different branches of banks across the country are designed to provide. Customers of the banks current accounts pay no interest loans to these customers and there are no crossing facilities that account. Household active bank financing reduces Musharaka program and the end of the sales contract of Ijarah assets (Guardian, 2010). HSBC has a great contribution in Islamic banking sector its goal is to provide Islamic financial services throughout the world where the Muslim community is living in Islamic as well as non-Islamic countries. According to manager of HSBC Amanah Amjid Ali HSBC has a plan about Future developments in Islamic section such as Shariah insurance, pensions and savings accounts (Bown, 2005). HSBC provides services of Islamic mortgages and current accounts as well as they have great participation such as HSBC Amanah which consists of following feature: Investment account through Murabaha contract Amanah cards which are based on f ixed services fee Home finance and vehicle finance through Ijarah concept Personal loan based on the theory of Tawrraq Takaful (Islamic insurance) Islamic Bank of Britain offers saving accounts, terms deposit accounts and treasury deposit accounts. Islamic Bank of Britain to invest this money in trade Shariah compliant investments. The customers of the Islamic Bank of Britain are fully compliant with the investment criteria of the officials of the bank satisfied (Islamic-bank, 2010). All profits will be distributed from the investment bank and its customers. They also offer services to non-Muslim investors who want to avoid industries such as tobacco and alcohol. Personal loans are also available in the system of variable fee (Bown, 2005). London is a leading financial markets in the world and is the regulatory environment is well established and respected in the world. London has a large number of people in the financial sector, especially trained, the traditional side of the banking system. Islamic finance is the usefulness of these skills through the employment of these employees will receive the traditional banking Islamic banking (Teran, 2007). Due to world financial crisis there is a big opportunity to develop Islamic banking on modern basis because in modern world financial distortion is created by interest based system. Nowadays many Muslim and other qualified and skilled worker are interested in the field of Islamic banking in UK it will help to develop and boost Islamic financial system in this shacked economy. According to Percy, chief executive of the bank of London and Middle East (BLME), Islamic finance in the United Kingdom has passed the primary development phase and has entered in stage of its growth (Imeson, 2007). Islamic bank of Britain created in 2004 as a retail Islamic bank in UK and BLME has been launched in July 2007. There are 21 conventional institutes in the UK which provide Islamic financial services according to Shariah law to 1.8 million Muslim people (Imeson, 2007). It is concluded from the above statements about the Islamic banking in the UK was such an important economic player in the market. It is in good shape and to improve Islamic finance for five to six years. If the organizers of the Islamic finance sector in all the hard work, e.g in connection with the FSA and the rules of the authorities, product development, market development, awareness program, the institutional and legal framework, while keeping regional Islamic finance this prestigious position in the UK financial sector. Challenges Islamic finance in the economy is doing well in Britain, but some of the opportunities and challenges of Islamic banking needs to be treated kindly in all segments of the economy and society. There is a need for a generally clear and transparent Islamic banking, which covers all areas of society and economy to the challenges and threats for the future needs of the financial sector. Islamic banking faces many challenges due to its origin. Islamic finance is in a transitional phase and the phase of development in different countries over the past two decades . According to Khalaf (2007) Islamic banking industries have always suffered with the issue of different opinions of Islamic scholars, suppose a product or practice may be accepted to one scholar, could be considered un-Islamic by another scholar. In Islamic banking system there is a serious shortage of scholars and qualified managers. Unfortunately the managers are not well trained in the use of Islamic financial practices (Iqbal, Ahmad and Khan, 1998). Islamic banking in western countries especially in UK is facing the problem of legal system because Islamic banking not yet proper regulated due to this there is possibility to create tension between Islamic banking and regulators (Karbhari, Naser and Shahin, 2004). It is fact that Islamic banking is not well regulated at the moment because they have not a strong branch network. Islamic bank of Britain has only eight branches around the UK (Islamic-bank, 2010). I think that is not enough to fulfil the requirements of a big Muslim community. Currently Islamic banking is facing the challenge of the new mode of conventional banking in opening of Islamic banking window. It will improve the services of Islamic banking butthere is a need that Islamic scholars work hard to maintain the priority of Islamic Shariah law (Iqbal et al. 1998). According to Bokhari (2007) Islamic financial institutions are facing various challenges and difficulties in which the main and important is the lack of skilled and trained professionals to fulfil the requirements of this fast growing industry. Conclusion I reviewed in this literature, various aspects of Islamic finance is essentially a concept and practice of Islamic banks in the United Kingdom. The United Kingdom is a center of Islamic financial activities in the West, and auther also saw that the British Society of conventional banks in Islamic banking window offers the best services in accordance with the laws of Shariah satisfying the requirements of the Muslim community in various fields especially Ijarah (leasing), Takaful (Insurance) Sukuk (bonds) and provision of services in the home loans, personal loans, checking and savings accounts. UK Islamic Bank has great growth potential, since many Muslims around the world in the UK, they play an effective role in the economy. Islamic banking is also a huge challenge, because there is no knowledge of Islamic banking business to their clients and also some other issues related to the British regulator, the structure of Islamic government and its realization Shariah. Ch. 3 Methodo logy (Phenomenology, positivism discuss in theoretically) 3.1 Purpose Islamic banking is a hot topic in western countries especially in the UK. In the UK almost 2 million Muslims community is living and they want to spend their lives according to their religion (Guardian, 2010). This community is well contributing to the economy of the UK due to this the UK government gives more importance in the sector of Islamic banking. Nowadays the UK is the hub of Islamic banking and most of the high street banks providing the services of Islamic window. Due to this growing demand, Islamic banking faces some difficulties and challenges in western countries. The purpose of the study is to examine and analyze the growth and opportunities of Islamic banking in the UK. 3.2 The Paradigms and Methodologies There are two main research paradigms positivistic and phenomenological. It is possible that different authors may use the alternative terms for these main paradigms in different time. The most commonly and alternatively used the terms are quantitative research method for positivistic and qualitative for phenomenological (Collis and Hussey, 2003). The originally the positivistic paradigm was developed in the natural sciences to study natural phenomena and it is confirmatory and deductive in nature. The phenomenological paradigm was developed in the social sciences to facilitate the researchers to research and analyze social and cultural phenomena and this approach is exploratory and inductive in nature (social Research Methods, 2010). The paradigm is very important because it gives you a right path to use the right methodology. According to Collis and Hussy (2003 p.55) Regardless of which paradigm you are employing, it is important that you pay attention to all the features, and en sure that there are no contradictions or deficiencies in your methodology. The paradigm of this research is phenomenological because it tends to produce qualitative data not quantitative. The quantitative research is objective in nature that involves analysis of numerical data by applying statistical tests (Collis and Hussey, 2003). But the qualitative research is much more subjective in nature, concerned with generating theories and can be generalized in understanding of the phenomenon of challenges and opportunities of Islamic banking in UK. 3.3 Reason for chosen Qualitative Research In qualitative research methods it is easy to get detailed, conceptual and rich ideas because these methods provide the results that how people feel and what they think because they feel relax to comments on any specific topic (orau.gov, 2010). In my research it is comfortable to hold qualitative research because it is related to banks authorities and banking customers. From the interviews with banks authorities it is easy to get information about growth and development of Islamic finance in the UK and as well understanding of Islamic financial products between banks and customers. There are some advantages of qualitative research over quantitative research. In qualitative research it is easy to explore topic in detail and more depth than quantitative research methods. Qualitative research has the advantages over quantitative research because it is less expensive there is no need to contact with many participants as well no need to use the expensive methods and software for analysi s. The qualitative research is more flexible in term of locations and timing because there is no need to interviews a large number of people to take result (orau.gov, 2010). It is resulted that qualitative methods can provide all the information in detailed because in unstructured and semi-structured interviews the participants feel no hesitation to discuss matters in details. The qualitative research has some demerits as well because it is not able to produce the exact figures that how many people of society understand the topic and it is difficult to express what people like and dislike (orau.gov, 2010). It is difficult to analyse the data in qualitative research because the collected information are too much and to conclude this data is a hard job due to time constraint. 3.4 Research Method For this research project, I chose to undertake qualitative research method. The qualitative method is a type of research that emphasizes the quality of meaning in consumer perceptions and behaviours; there are different criteria or techniques can be used in qualitative method such as in-depth interviews and focus groups (Marketing about, 201). In-depth interview Focus group Case study Direct observation 3.4.1 Reason for chosen in-depth Interviews Author chose the deep-in-interview technique in qualitative research because of its unique advantages over other methods such as focus groups and questionnaires. In the way of depth interviews, it is easy for an individual and to remain focused on the specific topic of speech, it is difficult to concentrate, compared to the group interviews. There are many time saving and reduce the disadvantages of having a certain date. The main advantage of in-depth interview is that the interviews can be easily conducted with key community leaders through that researcher can get a fast overview of a community according to research requirements (caps.ucsf, 2010). In-depth interview has advantages on the basis of research questions that the researcher can obtain the information itself, and there is no difference in the understanding and analysis of data for the result. In the questionnaires, it is possible that some participants are not to respond, in time, and for some time, it is difficult t o understand the issue of questionnaires. According to Collis and Hussey (2003) the major problem in questionnaires especially distributed by post that delay in response and some time no response by the participants. 3.5 Data Sources 3.5.1 The Primary Data This research is based on a study by the United Kingdom, because the growing population of the Muslim community is a positive role in the economy of the United Kingdom. In fact, most Muslims want their lives to spend according to their faith. In this research, the problems and opportunities for Islamic banking in the United Kingdom are discussed. Author will use the qualitative method of research in this project. There are several techniques of the qualitative method, but depending on the situation of the depth interview is the form best suited for this project. According to Collis and Hussey (2003) in phenomenological approach the interview questions are unstructured or semi- structured in pattern not closed questions like positivistic approach. The plan is that the researcher will prepare semi-structured questions that are helpful to take maximum information from interviewees because in closed questions it is possible that some important information will be ignored. In semi-st ructured interviews the researcher has an opportunity to probe various areas and to raise specific queries during the semi-structured interviews (iiu.edu, 2010). 3.5.2 The Secondary Data According to the project requirement the existing literature will be used for theoretical study from all resources such as academic and scholarly journals, newspapers and magazines. The interviewer will also follow the previous research of Islamic banking with regard to challenges and growth in Australia and Malaysia because there is lot of work in this sector. 3.5.3 Data Collection Methods For the collection of primary data researcher will in the technique of depth interviews. The plan is to keep the seven-depth interviews in different sectors of society. The researcher has three interviews with the authorities of banks such as HSBC, Lloyds TSB and the Islamic Bank of Britain, that the clear facts and figures are on the growth, opportunities and issues related to Islamic Finance in regards Shariah compliance and state authorities. Two with Muslims, for example, a customer of an Islamic bank, the research by providing information on why they do Islamic Banking, which facilitate the advantages and disadvantages of this system and the scope of Islamic banking in the United Kingdom. Two of the Muslims who are not useful with the Islamic banking product to find out why they are not the Islamic banking products and the factors that prevent these services on the basis of their faith. researcher Plan is for non-Muslims to speak using Islamic Banking products, which will prov ide the best information for growth and sound fundamentals of Islamic banking. The proposed date is to conduct these interviews by sending letters to the authorities and banks, e-mail Customer Services Department the banks to provide a point of view. For interviews with clients and not customers of Islamic banking, the interviewer is the use of posters in mosques and libraries in this area, where Muslims live in the majority. The interviews are recorded with voice recorder with respondents permission if the voice recorder is not possible, then the review of interviewer notes show, as summarized in its entirety and these notes will continue on the application. 3.6 Limitation of the Study According to the proposed planned of seven interviews it is possible that there should be some hurdle to get all information from customers of Islamic banking. In the course of research if the researcher will feel to get more widely information about the growth of Islamic banking then mini open ended questionnaires will be conducted. According to Collis and Hussey (2003) it is possible that the method of questionnaires can be applied in both methodologies. The success rate of the project will be examined based on the existing theory of Islamic banking and assumptions made during the research. The primary data will be analyzed on the base of actual ambition of the Islamic banking and its implementation. Ch. 4 Results and Discussions The aim of the research is to find opportunities for growth and development and the key challenges facing Islamic finance in the UK. According to the research plan nine participants took part in the processes belonging to different sectors of the community, as three of the bank supervisory authority, three of the clients with the Islamic banking system and three Muslims, who currently holds non Islamic bank account. The primary data is collected through detailed interviews to comply with different opinions of community members about the scope and the future of Islamic banking in the United Kingdom. The results and the results of this in-depth interviews with the aims and objectives of the research to be adjusted. By comparing discussion of the results and conclusions from primary sources and coordinated with the secondary data collected from various newspapers, websites, and previous research. The purpose of this discussion is to show the current position of the Islamic banking, pr actice, weaknesses and opportunities. HOW and justify Philosophy/approach inductive/deductive positivism/phenomenology WHICH What is ql What is Qn? Prim/Sec? which you will use? WHY How collect? WHY? Ch.4 Result and Discussion Ch. 5 Conclusion

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Business Environment and Its Impact on Premier Food Free Essays

string(131) " government policy Premier Food Continued commitment to ELK sourcing such as Hoops bread made from flour 100% garnered in the I-J\." The peripheral environment includes of different kinds of aspects out of the company doors that typically onto have much control over. Managing the strengths of internal operations and recognizing potential opportunities and threats outside of company’s operations are keys to business success. Premier Food is one the famous and largest retailer in UK which is primarily renowned for food manufacturing. We will write a custom essay sample on Business Environment and Its Impact on Premier Food or any similar topic only for you Order Now Premier Food is well managed in its internal and external factors which lead them to progress successfully. TASK 1 I(a) Purpose of Different types Of Organization Premier Foods Premier Foods produces a range of own-label products across many food categories. Premises major markets are the United Kingdom’s biggest food tillers, wholesalers and convenience stores, and food manufacturers. They have a crystal clear defined plan of merging reflected in the recent addition of the premier product like Ox, Botchers and Homicide. Their expertise passes over in a wide range of food and drink sectors, and reputation of their comprehensive range means that they have an annual group turnover of over IEEE million. By owning some of the Auk’s most recognized food brands, they additionally manufacture hundreds of products that cater for the food accommodation industry and are introduced to supply retailer branded food product to the Auk’s popular food retailers. Avoidance It is a major international telecommunication corporation with coverage in 29 countries and partnership contact with a further 42 countries including Safari in Kenya. It has almost 75,000 workers in all over the world and in 2014 had more than 295 million clients. In the UK, almost 25 million people are using Avoidance services for communication. Avoidance’s goal is ‘to be the world’s telecommunication leader and a key element of this is to build a good relationship with the customer by trust and admiration. The company ensures this by taking a relevant step by which they are contending their equines in all over the world. By taking this type of approach they increase its reputation and builds customer loyalty. Its corporate techniques and its Corporate Responsibility (CRY) techniques are internally linked. Avoidance be certain of their long-term retailing achievement emanate from contemning business in an imperishable way. (b) Central economy VS. Market economy In market economy, market prefers mutually beneficial exchange between producer and consumer and system that rely on markets. That means what to produce determined by consumer, how to produce is determined by the reducer and who gets the products depends in the purchasing power of the consumer. On the other hand, in central economy the production o f goods and services is undertaken by state-owned enterprises. That means an economic system in which decisions are taken by the government rather than by the interaction between consumers and businesses. Both this system generally used to prevent economic problem. In market economy the price Of the product is always fluctuating. As a result sometimes it’s very hard to grab the customer in one product. Also there have some opportunity for the producer like a great revenue opportunity. On the basis of the physical and tactical position both premier food and Avoidance can survive on that following economic decision. But as premier food is a food manufacturer, they are very flexible in central economy rather than market economy because the coordination of scarce resources at times of crisis, such as a war or natural disaster. Free markets also fail at times to allocate resources efficiently, so remedies often involve the allocation of resources by government to compensate for these failures. As for Avoidance, they can survive in both economic systems. 1 (C) Identify Reasons Of stable demand Of rimier food The strategy of Premier food is very simple. They produce safe and reliable food that give the customer satisfaction and produce a great variety of product that gives opportunity to the customer to taste different flavor. That’s why consumer always attracted to the company’s product. Over the last 1 0 years company expand its business globally. They did an agreement with the Gores group to improve their operational infrastructure and to upgrade their technology. As a result they are now manufacturing more foods effectively and ensuring more safety measure to the food’s safety. Also recently they are selected a telecommunication provider AVOIDANCE to provide integrated communication. So that its gives the company to boost their marketing strategy. So on my perspective; think Company’s customer environment is better than 10 years ago. I(d) Objective of the different Stockholders Premier food is the largest food manufacturing company in ASK. So they are greatly affected by their stakeholder like customer, employees, government, community, owner etc. The customer of premier is always seeking for safe and reliable product and value for money. The employees of the company ho give their best to make the business successful want job security, job satisfaction. Company must ensure that want to give better service to the consumer. The government manages the economy so company must give them Taxes and ensuring new job opportunities. 1 (E) Responsibilities to the Stakeholders Premier food is maintaining a good relation with the consumer. As a result they are now able to find out the solution of relevant problem very effectively. Company offers a great Variety of product which give opportunity to the customer to taste different product. Employees are the major element of the company. So company gives them proper satisfaction by paying them properly and ensuring a great job environment. Premier foods audit their financial statement time o time. This will make the government to feel that they are following their rules and regulations. Moreover they are paying taxes properly. TASK 2 2(a) PESTLE Analysis political UK Government is very much concern about the condition and derivation of the food people eat. They also want to make sure that food is originated in very ethical way, with give attention in the environment, which is generally accepted welfare standards are practiced. As per government policy Premier Food Continued commitment to ELK sourcing such as Hoops bread made from flour 100% garnered in the I-J. You read "Business Environment and Its Impact on Premier Food" in category "Papers" Premier Food always maintain a strong food Safety unit to check the food that produced by them. Economic In the world, the United Kingdom has one of the paced increasing food and drink markets. Only the food and drink category achieves sales and paramount magnification areas lie in value integrated products I. E. Ready foods or Non-European prescription. Premier foods presumed that the UK cuisine market is extremely competitive, ‘inductively authorizing consistent product origin and dependable supplier whilst finding more competitive racing and innovative incipient products’. On that purpose Premier Foods make an agreement with an private investment firm named Gores Group trading as Hoops Ltd that help them to introduce new technology to smooth transition. Social Over the year premier Foods made further significant progress in their four major Corporate Social Responsibility (CARS) sector of retail place, Environment, Workplace and Community involvement. They also gives bolster to local charitable party in a regular period and motivates their workers to organize various activity and grow money to support in the good causes near o where they work such as Employees raised a fantastic IEEE,OHO for corporate charity partner ‘Cancer Research KICK’. Technological To build new technology, Premier foods make an agreement with the Gores Group that help them to smooth Transition. Legal Premier foods operate in an industry where it is very difficult to have a product that is different to its competitors, when they do release a product with an innovative capability it is vital to protect the rights to it through patents, copyright, trademarks or design to ensure they are not â€Å"stolen† by their competitors. Not only are competitors a threat of intellectual, but Premier food must ensure they do not fall victim to counterfeiters. Environmental The company started to give five star environmental awards to their entire production site in 2009 in order to maintaining the environment from any kind of disaster. The scheme is a benchmark ascertaining ‘energy utilization, waste, dehydrogenate monoxide utilization and carbon dioxide emissions are meticulously monitored. They also use unfriendly machine and work environment which has a adverse effect on polluting environment. They always try to maintain CEO friendly Environment. 2(B) How following factors Effect premier Foods Unemployment Rate: unemployment denotes being fired from the firm or corporation or positions where the people want to work in affirm or company but retain none. Unemployment is one of the most paramount macroeconomic be speaker to quantify the efficiency of an economy. If one person fired from his job then one person is less from the economy who will not pay state and federal income taxes, one fewer individual who will not able to pay additional retail tax income as a work less worker will fixating on curtail on their dispensable additional spending due to less expandable income and very much worried bout further economical security. As a food manufacturer, it will effect on their selling. ICP inflation For the day to day consumer, it means prices for things go up. But, if the ICP is rising quicker than people average wages, then the consumer’s purchasing power declines. They can’t buy as much as whatever it is as they did in the past. So it has great effect on Premier Foods. Interest Rate Interest rates are a quotidian element of business.. Companies focus exuberance on money they scrounge, and when they have adventitious money, they apprehend ebullience when they ascertain that cash in a secure investment. Companies additionally complaint enthusiasm when the company’s consumers purchase goods and accommodations on credit. A elevates or reduction in enthusiasms returns have a great effect on this business performance as well as the purchasing style of the company’s consumers. As premier food is a very big manufacturing organization so they also need to get loan from the financial institution. As a result this factor has a great impact on the Premier food. Exchange rates Exchange rate is an important tool in international trade. Without this, it is not possible to trade. If the Premier’s goods become expensive in other countries cause of international trade then those foreigners will not purchase those goods. RIP Inflation: Retail price index measures the change in the cost of a basket of retail goods and services. So if the index shows high rate then it will create great effect on company’s price of the product. If the price of the product increases then the customer may not give attraction to the product. So it’s necessary to control the RIP inflation. 2(C) Indication of social and cultural factors affecting consumers which lie behind Premier Foods Premier Foods have 30 food manufacturing sites, 12 distribution depots and flour mills across the United Kingdom, working almost 19,000 people. Many of their production areas have a long past with a intense relationship with their local neighborhood. For example, Ambrosia has been making popular dairy-based products, at the same site in Devon, since it was established in 1917. The Creamery began with only a dozen Staff and now employs 270 local people; over its 93 year history, generations of families have worked at the production areas. Each of their sites has a neighborhood winner who along with their working partner determines which local charities and movements o get presuppose with and support. In December 201 1, the agreement with CRUD, a charitable organization is come to end. The partnership with CRUD is recognized in a great accomplishment, the company’s entire worker did a hard work and activities for CRUD so much, and as consequence of the employee’s activities they raised IEEE,OHO against an initial target to raise IEEE,OHO. At the end of 2010, they again asked all their employees to nominate their preferred charity partner for 2011 and 2012. The charity with most votes was â€Å"Help for Heroes†. Although company Specialized with various mind of brands like OX, Quern , Hoops, Botchers and Brannon Pickle which make them power brand of the country. For that following reasons Premier foods now recognized as both power and support Brands. 2(D) Choosing the Right Strategy Premier Foods now established as UK leading food manufacturer, specializing in many consumer brand product like OX, Quern, Hoops, Botchers and Brannon Pickle. It is predicted that 99% of UK population buy at least one premier product in each year. Their employee’s efficiency and management skill and adopting new technology increases the production, its quality and ells. In recent strategy change they linked with Avoidance which help to boost in their marketing support. So in this prospect they have to expand their business in different European country. As a result they can use different environmental advantage to boost their production and cutting marginal cost. So on my perspective; they need to concentrate on expansion. Task 3 3(a) Significance of International Trade International trade is mutually beneficial for two countries. It is important for the I-J so that it can maintain its economics strengths and improve in an increasingly competitive global economy. There are many important elements that are important about international trade, economic strengths and global markets. Without international trade business would not be as profitable and economies would suffer. If UK leaves IF, then it will create a great impact on economy. If UK based company had to only retail and trade their manufacturing item internally, never retailing or presuming their items to customer in another marketplace or countries, the government of the country would completely restricted Its percept. They may earn a steady trade from UK customer, but they wouldn’t be prosperous to increment as much as if the many retailed with ten other countries realtor. Additionally it withal engender a disadvantage for the company. EX. is a free traded area where products are able to move independently with no border maintenance and no import VAT and obligations. On the other hand, Business like premier Food has to give additional cost for import goods or raw material. So, it will be a bad news for Premier Food. 3(b) Impact of global factor in UK business Premier food and Avoidance, both have face loss if UK leaves EX.. They have to cost more money than before to continue their business in EX.. They are not blew to do their activities independently with no border maintenance and no import VAT and obligation in all EX. country. Avoidance is more lose than Premier Food because they spread their business in most of the EX. country. For this decision they have pay more money and as a result it will create a great impact on their consumer mobile billing system which is not so good for the company. 3(C) Impact of EX. policy in LIKE UK economy is greatly influenced by the ELI membership in a number of ways. One of the most important effects rise through the Single Market, the element of economic integration through which the Else’s ‘four freedoms’ are established. EX. has a great combination in their policy which affects the other policy too. The EX. maintain a great relationship with other countries outside the community to negotiate retail and to make investment and the competence is a man made community with a general peripheral tax on imported products. This relationship thus contributes a deep affects the Auk’s trade relations with non-E members. An expanded EX. creates new markets for the UK exports. It allows the I-J firms to enjoy the benefits of economies of scale and so gain from trade. New markets for UK exports and increased intention from new member’s countries should increase dynamic efficiency. The UK firms like Avoidance and Premier food in the traded goods and service sectors will be forced to improve their competitiveness. The UK will have a good trade relation with other countries. There will be a trade creation. Conclusion From the above observations premier Food have to monitor some important issue. Premier food is a Food manufacturing company beside that is a listed company in the London Stock Exchange. They started from a small scale but now reached the global arena. They should be more attentive to meet the objectives of its stakeholders. How to cite Business Environment and Its Impact on Premier Food, Papers