Learning - teacher Essay Example for Free

Learning teacher Essay Good afternoon everyone, today I am going to talk about education. Education has many affects but how does education affects our lives. Education affects people by opening them up to new ideas, thus broadening their thinking. As for example, A degree can also broaden opportunities in the job market. Sometimes education can change what you believe, if you find new truth and need to fit it into your worldview. As long as a person is careful to actually examine the information that is presented, and not just blindly accept anything from any source, education usually improves lives and minds and offers us more opportunities and possibilities. The education for society can be different, due to the fact that various types of education and learning methods and assumptions affect me and others in many different ways. An important key role in our life by far is education, because so far it has given me a different perspective of life. A well-known Greek Philosopher named Plato once said that the direction in which education starts a man will determine his future in life. He literally means the type of education we chose to follow or have leads to us becoming that. So far in my journey of life it has opened and shown my eyes to a lot to see in this world. Education has given me the chance to learn and discover new things around me; in addition it has taught me to believe about life. Education has made me who I am today, and will have a huge impact in my future to come, because it will determine how I will live. It has given me a picture and sense on what I can achieve and do in life. My education started at a very young age, just like most people start theirs. My first mentors and teachers were not from elementary school, but they were my own people that raised me from home. The education I received to this day has made me a better decision maker about life’s big questions. Nelson Mandela best said that education is the most powerful weapon which can be used to change the world. What Nelson Mandela is trying to mean is that education is the answer to move forward in life. I totally agree with Mandela on that.

The Importance of Aggression in Animal Existence Essay -- Aggression V

The Importance of Aggression in Animal Existence Aggression is a critical part of animal existence, which is an inherent driving force to humans, as we, too, are animals. The source of aggression within humans is a long summative list, but before trying to understand its source one must apply a working definition of aggression. Aggressive behavior is defined by Encyclopedia Britannica as any action of an animal that serves to injure an opponent or prey animal or to cause an opponent to retreat. (7) David G. Myers states that aggression is any physical or verbal behavior intended to hurt or destroy.(9) There are many types of aggressive behaviors, which can be differentiated from the factual act to the hidden motives. For example, an aggressive behavior can be negative or positive, accidental or intended, and physical or mental. Aggression can take numerous forms, the act of hitting a wall to release aggression has some of the same roots as playing football and enjoying hitting the quarterback. A child yelling at his parents could b e equated, in its aggressiveness, with hitting one’s horn when one is cut off on 495. Aggression is also a relative construct. What might seem like a terribly aggressive act to one person, most often the victim, might seem like an induced response to the perpetrator.(3) Psychologist Arlene Stillwell performed an experiment where she assigned ordinary college students at random to play the role of a victim or a perpetrator in a small incident. Then she asked the students to describe the situation that had just transpired. What she found was that both victims and perpetrators deformed the truth equally to present their sides in a better light. Victims would dwell on their lasting traumas from the incident while the perpetrator might make the act seem like a one-time action provoked by insurmountable circumstances. The resulting implication is that aggression is in the eye of the beholder.(3) Due to its relative nature aggression is extremely hard to isolate and study. Some acts are very easy to categorize as aggressive, a first degree murder or first degree rape, but is negligent manslaughter aggressive? The mere act of not shoveling one’s sidewalk might have the same effect as a cold-blooded murder but is it an aggressive act? For the purposes of this paper aggression will be related to the four conditions presented by Gerd... ...act stand alone, there is almost always mutual fault and/or shared blame. David Luckenbill found, in one of his studies, that the major part of criminal homicide revolved around some sort of reciprocal provocations in which collective hostility escalated until one person murdered the other.(3) Murray Straus found the same circumstance appeared in marital violence. In half of the reported cases of domestic violence it was found that both spouses were violent, it just tended to be that one person was considerably stronger than the other.(3) Aggressive behavior has been a huge part of humankind since people first starting walking somewhat erect. From our predecessor the "killer ape" to the intricacies of nuclear warfare. Whether it is a "caveman" clubbing his enemy for stealing his food, or a highly paid sniper sitting atop a roof waiting for a South American dictator to walk out of his house, aggression follows us wherever we might go. Aggression is a force that is hard to imagine and even harder to harness. Should people ever learn to control and thereby use their aggression towards greater good, the walls we now know would crumble easily under the forcing of such a force.

Definitions And Functions Of Micro Finance Economics Essay

Microfinance is viewed to be a remedy against poorness in the universe. In each state and part holding diverse demographics, microfinance is being utilized to battle poorness. It is a quite recent construct in banking and fiscal sectors. Microfinance is to assign really little loans to hapless people with the purpose of helping them to get down their ain endeavors so as they can come out of poorness. That is microfinance is non a manus out, alternatively it is a manus up that permit the hapless, largely adult females, to achieve uninterrupted fiscal victory. The Journal of Microfinance describes it as what â€Å" is arguably the most advanced scheme to turn to the jobs of planetary poorness † ( Woodworth and Woller, 1999 ) . The General Secretary of the United Nations, Kofi Annan, stated in 2002 that microcredit is a critical anti-poverty tool and a wise investing in human capital ( Annan, 2002 ) . â€Å" Microfinance has evolved as an economic development attack intended to profit low-income adult females and work forces. It refers to the proviso of fiscal services to low – income clients, including the ego employed † ( Ledgerwood, 2000 ) . Microfinance is defined as formal strategy designed to better the well being of hapless through better entree to salvaging and services loans ( Schreiner, 2000 ) . The word â€Å" microcredit † was non existing before the 1970ss. But now it has turn out to be a buzz-word among the development practicians. It is usually characterized as doing little loans available straight to small-scale enterprisers to enable them either to set up or to spread out micro-enterprises and little concerns. Microcredit is usually applied to aim groups that would otherwise non measure up for loans from formal establishments. This includes the bulk of those populating below the poorness line ( Commonwealth Secretariat, 2001 ) . Microcredit differs from microfinance in that microcredit refers to really little loans for uncompensated borrowers with small or no collateral, provided by lawfully registered establishments. Currently, consumer recognition provided to salaried workers based on automated recognition marking is normally non included in the definition of microcredit, although this may alter. Whereas Microfinance typically refers to microcredit, nest eggs, insurance, money transportations, and other fiscal merchandises targeted at hapless and low-income people. Microfinance is a extremely common manner of loaning as batch of people require to borrow money quickly and in small sum. In the instance of macro loans, Bankss enquire about the individual ‘s recognition history and people have to go through through tonss of processs before the blessing of the loan sum.CHARACTERISTICS OF MICROFINANCEHarmonizing to ( Murray, U and Boros, R, 2002 ) , there are many activities and features are included in microfinance. Some are: Small sums of loans and nest eggs. Short- footings loan ( normally up to the term of one twelvemonth ) . Payment agendas attribute frequent installments ( or patronize sedimentations ) . Installments made up of both chief and involvement, which is amortized over the class of clip. Higher involvement rates on recognition ( higher than commercial bank rates but lower than loan-shark rates ) , which reflect the labour-intensive work associated with doing little loans and leting the microfinance mediator to go sustainable over clip. Easy entryway to the microfinance intermediary saves the clip and money of the client and permits the intermediary to hold a better thought about the clients ‘ fiscal and societal position. Application processs are simple. Short processing periods ( between the completion of the application and the expenses of the loan ) . The clients who pay on clip become eligible for repetition loans with higher sums. The usage of tapering involvement rates ( diminishing involvement rates over several loan rhythms ) as an inducement to refund on clip. Larger loans are less dearly-won to the MFI, so some loaners provide big size loans on comparatively lower rates. No collateral is required contrary to formal banking patterns. Alternatively of collateral, microfinance mediators use alternate methods, such as the appraisals of clients ‘ refund potency by running hard currency flow analyses, which is based on the watercourse of hard currency flows, generated by the activities for which loans are taken.MICROFINANCE CLIENTS?Microfinance is established as an efficient manner to eliminate poorness by offering fiscal services to those hapless people who can non make or are ignored by Bankss and fiscal establishments.HOW DOES IT WORK?Poor people have necessary accomplishments and cognition to get down their ain endeavor, the lone thing is that they do non hold resources ( particularly finance ) to make so. Thus microcredit helps them to carry through their vision by supplying them with micro loans. Harmonizing to Ahmad ( 2000 ) , it is acknowledged that people populating in poorness are innately capable of working their manner out of poorness wit h self-respect, and can demo originative potencies to better their state of affairs when an enabling environment and the right chance exists. It has been noticed that in many states of the universe, micro-credit programmes, give entree to little capitals to people populating in poorness. Microfinance is an promising tool for economic development, poorness decrease, authorising of low income communities and giving a new function in micro-entrepreneurship ( Mondal, p.1-3 ) . The MFIs take into history the demand of their clients refering micro loans so as they can transport on their endeavors. There are two types of microfinance borrowers ; Micro borrower and Micro enterpriser. A micro borrower has mind like capitalist who is intend to derive net income while making concern. Therefore a micro borrower gets fundss from MFIs, and after reimbursing, they will obtain fundss once more but merely if the intent is to gain net income and non any entrepreneurial accomplishment. In contrast, a micro enterpriser financess his concern and brings modernism, originality and differentiation from others ( Mondal, p.3 ) . Microfinance bestow authorization to adult females. Misra ( p.3 ) describes empowerment as a strength to the people and self administration. He quoted â€Å" Empowerment builds autonomy and strength in adult females, fixing them towards garnering the ability to find the pick of life. This adds to the bid over resources outwit insubordination and mean their societal function. † Harmonizing to PREM, WB ( 2002, p.11 ) , â€Å" Authorization is the enlargement of assets and capablenesss of hapless people to take part in, negotiate with, influence, control, and keep accountable establishments that affect their lives. †MICROFINANCE INSTITUTIONSA microfinance establishment ( MFI ) is an organisation that offers minor loans to the destitute people. The model of the loan differs from organisation to organisation as every establishment has their ain processs and conditions to provide credits. However, the nucleus intent is to allow fiscal aid to the underprivileged. When speaking about MFIs, we can believe about non-governmental organisations ( NGOs ) which besides provide loan installations to the hapless. During the 1990s, many NGOs were converted into formal fiscal establishments so as to entree and on-lend client nest eggs, as a consequence bettering their outreach. There are besides other sorts of microfinance establishments such as recognition brotherhood or concerted lodging society. These organisations are different in every state ( Rehman, 2007 ) . Nowadays even commercials Bankss are traveling towards the construct of microfinance. They are making this to pull new patronages who wants to get down a concern but does non hold plenty support to make so.CHARACTERISTICS OF MFISFormal suppliers are sometimes defined as those that are capable non merely to general Torahs but besides to specific banking ordinance and supervising ( development Bankss, nest eggs and postal Bankss, commercial Bankss, and non-bank fiscal mediators ) . Formal suppliers may besides be any registered legal organisations offering any sort of fiscal services. Semiformal suppliers are registered entities subject to general and commercial Torahs but are non normally under bank ordinance and supervising ( fiscal NGOs, recognition brotherhoods and co-ops ) . Informal suppliers are non-registered groups such as revolving nest eggs and recognition associations ( ROSCAs ) and self-help groups. Ownership constructions: MFIs can be government-owned, like the rural recognition co-ops in China ; member-owned, like the recognition brotherhoods in West Africa ; socially minded stockholders, like many transformed NGOs in Latin America ; and profit-maximising stockholders, like the microfinance Bankss in Eastern Europe. The types of services offered are limited by what is allowed by the legal construction of the supplier: non-regulated establishments are non by and large allowed to supply nest eggs or insurance. ( www.cgap.com )ISLAMIC MICROFINANCEAccepting or paying involvement while loaning or borrowing money is out harmonizing to the Islamic jurisprudence. However the borrower will portion the net income that he will obtain from his concern with the loaner. Money is non an plus for gaining net income ( Duhmale, Sapcanin, p.1 ) . Islam emphasizes on societal, ethical, moral factors for distribution of wealth and usher towards societal and economic justness. Islam encourage net income instead than involvement because gaining net income evolve productive activity and involve in net income and hazard sharing between loaner and borrower ( Dhumale, Sapcanin, p.1-2 ) . The intent of Islamic microfinance is to supply little loans to hapless people without involvement. This construct benefits the borrower as microfinance involvement rates are comparatively high. There are several agencies to continue with the interest-free microfinance but we will speak about three of them which are: MUDARABA ( Participation Financing ) Here trade takes topographic point between the loaner and the borrower. No involvement will be charged, nevertheless net income will be shared by both the loan supplier and the borrower. Harmonizing to Zaher, Kaber, â€Å" Mudaraba is a trust based funding understanding whereby an investor ( Islamic bank ) entrusts capital to an agent ( Mudarib ) for a undertaking. Net income will be shared on an agreed ratio and the contract is similar to a western type of limited partnership where 1 is shooting money and the other one controls the concern. In instance of losingss, the loaner receives no return and the borrower no recompense for his work ( Segrado, 2005, p.11 ) . MUSHARAKA Harmonizing to Segrado ( 2005 ) , â€Å" Two parties provide capital for a undertaking which both may pull off. Net incomes are shared in pre-agreed ratios but losingss are borne in proportion to equity engagement † . As we can see, here it is non established on net income sharing but depends on rating and disposal competency and portion in concern. MURABAHAH Here the loaner will buy goods and sell them to the borrower after adding a sensible net income. The loaner will remain the owner of the goods until imbursements are cleared. Dhumale, Sapcanin ( p.10 ) describe Murabahah as â€Å" the Murabahah contract is similar to merchandise finance in the context of working capital loans and to renting in the context of fixed capital loans † .MICROCREDIT AND POVERTY ALLEVIATIONTHE GRAMEEN MODELThe footings â€Å" microfinance † and â€Å" micro recognition † were non on screen before 1980s 0r 1990s ( Robinson, 2001 ) . It all started with the return on Muhammad Yunus to Bangladesh after learning in the U.S for a few old ages. In 1974, during a trip in a comparatively hapless small town in Bangladesh, Muhammad Yunus came across Sufiya, a stool shaper, who had to borrow money from a local loaner so as to purchase natural stuffs. She had to refund the loaner with high involvement rates which sometimes exceeded the initial sum. After refund, she was left with practically nil to run into her basic demands. Dr. Yunus was disappointed by what he saw and lent a little sum of money to 42 rural basket-weavers. He found that his action encouraged them to work more and they were enthusiastic to refund their loan ( Roy, Mark A, 2003 ) . After two old ages, there came the constitution of the Grameen Bank where Dr. Yunus introduced the â€Å" Grameen Model † which is now the cant in the universe of microfinance. Since its start in 1976, it has grown to over 1084 national subdivisions in over half the small towns of Bangladesh. The construct of this theoretical account is to supply loan installations to hapless people, particularly adult females, so that they can transport out their little endeavors and pull off their support ( Roy, Mark A. , March 2003 ) . The process of the â€Å" Grameen Model † is that borrowers should organize a group of five members. After the loan application, the first two people will obtain the loan. If they repay their loan successfully, so the other two members will acquire their loan sum. The last member will be granted the loan when the old two members clear their debts. If this group was a good remunerator, therefore they will be eligible for future loans. However, if one of them fail to pay the loan, the whole group will be disqualified for farther loan ( Rehman, 2007 ) . As we can see, the attack of group loaning is applied. This attack has many advantages. First, members of a group are acquainted to each other, hence if one is absent in the group meeting, another one can pay its installments. Furthermore in South Asia, particularly in Bangladesh, there exists some sort of societal force per unit areas. If a member of a group does non refund his loan, he will be pressurized by the other members and besides his vicinity will acquire to cognize about it. So he will hold to do an attempt to refund his loan to avoid this sort of state of affairs ( Sengupta, Aubuchon, 2008 ) .A

Hard Times Essay - 1665 Words

Literary works often portray or allude to the society in which they are written. Characters take upon social statuses, and whose positions and characterizations are determined by those statuses. Social statuses, in any context, are hard to change. It is the American Dream to move from a lower class to the upper class, and the American Dream is hard to obtain, although easy to wish for. These social classes provide easy identification of characters, but also prove to be barriers within the society. The construct of social classes in Hard Times by Charles Dickens provides context for the inability to easily change classes within a structured society. Each character provides detail into the description of their social classes, and also†¦show more content†¦Despite these studies, the â€Å"hands† were still just â€Å"hands.† They were able to master things that were common of the middle class, but yet had rose no more than the laborers they were despite these teac hings. Where they were born, and from what tier of society they were from mattered more than their learning. The look of their houses, which were â€Å"stunted and crooked shapes† gave way to the â€Å"kind of people who might be expected to be born in [them]† (Dickens 70). There is a reason why the general population of Coketown were considered â€Å"Hands,† â€Å"they were a part of the anatomy that has the facility for work,† (Sutherland, Para. 26) but they were not able to move from one place to the next in society. It was as if they should have been made by God to have â€Å"only hands, or like the lower creatures of the seashore, only hands and stomachs† (Dickens 70). The â€Å"Hands† are described often as kind, gentle, and caring. They are friendly to each other. Rachael, who had saved the life of the woman standing in her way of marrying her beloved, and Stephen, who stays true to his drunken wife are examples of the â€Å"perfect integrity† (Dickens 71) that is common in the lower class. Bounderby, â€Å"whose name represents his approach to life; he uses others for personal gain† (Bracket, Para. 3) is contrasted with the loving approach of the â€Å"Hands.† Bounderby hadShow MoreRelatedDickens Hard Times1535 Words   |  7 PagesDickens’ Hard Times â€Å"Now, what I want is, Facts. Teach these boys and girls nothing but Facts. Facts alone are wanted in life.† (Dickens, 1854, p.1) With these beginning sentences of the novel â€Å"Hard Times†, Charles Dickens has made readers doubt whether it is true that facts alone are wanted in life. This question leads to the main theme of the story, fact against fancy, that author has never been written this kind of plot in his other stories before. In fact, Hard Times is considered as theRead MoreHard Times Bounderby800 Words   |  4 PagesJosiah Bounderby falsely claims his success in life was a result of his hard work and never receiving help from anyone in Charles Dickens’ Hard Times. Claiming to be a self-made man grants Mr. Bounderby wide admiration in Coketown, with the exception of Tom and Louisa Gradgrind and Mrs. Sparsit, who perceive him to be an insolent person. Tom mirrors   Mr. Bounderby’s selfish and hypocritical personality, but blames the old man for his rigid upbringing. Louisa cannot admire Mr. Bounderby while he shamelesslyRead MoreIntroduction to Hard Times2041 Words   |  9 PagesThe shortest of Dickens novels, Hard Times, was also, until quite recently, the least regarded of them. The comedy is savagely and scornfully sardonic, to the virtual exclusion of the humour - that delighted apprehension of and rejoicing in idiosyncrasy and absurdity for their own sakes, which often cuts right across moral considerations and which we normally take for granted in Dickens. Then, too, the novel is curiously skeletal. There are four separate plots, or at least four separate centresRead MoreCharles Dickens Hard Times For These Times1074 Words   |  5 Pagesthe course without straying from it. If you do, you are considered broken. Yet, what exactly is the point of mindlessly walking the same path as everyone else, only to constantly find yourself memorizing empty facts over and over again? In Hard Times for these Times, Charles Dickens embodies the consequences of an absolutely factual world: blindness, imbalance, and nonfulfillment. Through the convoluted storie s of the opposite worlds, Sissy’s journey to becoming a jewel of balance, Louisa’s tragic fightRead MoreCharles Dickens Hard Times971 Words   |  4 PagesIn Hard Times, Dickens presents life philosophies of three men that directly contradict each other. James Harthouse sees one’s actions in life as meaningless since life is so short. Mr. Gradgrind emphasizes the importance of fact and discourages fantasy since life is exactly as it was designed to be. Mr. Slearly exhibits that â€Å"all work and no play† will make very dull people out of all of us. He also proclaims that one should never look back on one’s life and regret past actions. Dickens is certainlyRead MoreCharles Dickens Hard Times1494 Words   |  6 Pages May 1, 2015 Mr. Johnson Literature Dickens Calls for Desperate Measures in Hard Times â€Å"I want to change the world.† How many times is that line heard from small children, aspiring to be someone who achieves their maximum potential? If a child is asked how they might go about doing so they might respond with an answer that involves a superhero or princess who helps people for the greater good. As one grows and adapts to their surrounding society, the art of seeing the big picture includingRead MorePresentation of Conflict in Hard Times1343 Words   |  6 PagesDiscuss the presentation of confict in the texts that you have studied In â€Å"Hard Times† by Charles Dickens, conflict is presented as the outcome of industrialisation, material prosperity and a strict utilitarian way of life. In the 1850’s when the novel was written in instalments in ‘Household Words’, Victorian England was in the age of reform, which was creating new tensions between social classes, and creating a new type of ‘master’ represented by characters such as Mr. Gradgrind and more particularlyRead MoreHard Times By Charles Dickens1502 Words   |  7 Pagesnovel, Hard Times by Charles Dickens, concentrates on the Gradgrind family; of Mr. Thomas Gradgrind, his daughter Louisa, and son Thomas Jr. A major theme of friendship is portrayed in the books through the character of Mr. Gradgrind as he struggles with the idea of friendship between other characters. According to the Nicomachean Ethics, by Aristotle, it explains a detailed account of friendship and what it is to be a friend to others. In compari ng the character Mr. Gradgrind in Hard Times, to theRead MoreUse of Exaggeration in Hard Times1545 Words   |  7 PagesDickens has cleverly used exaggeration in Hard Times, in the form of caricature and farce to criticize the theory of utilitarianism; the popular way of living in the Victorian age. Utilitarianism comes under the theory of consequentialism which dictates that one should always judge an action from its consequences, and follow the course which benefits the majority. By exaggerating his characters he essentially uses them to represent varying views on utilitarianism; ie; what it implies not only asRead MoreDickens Symbolism in Hard Times4703 Words   |  19 PagesHard Times Symbolism, Imagery Allegory Sometimes, there’s more to Lit than meets the eye. Fairy Palaces and Elephants (a.k.a. Factories and the Machinery inside them) This one is from the narrator and runs throughout the novel: the idea that the ugly, square, fact-based, oppressive mills look like fairy palaces with elephants in them when they are lit up at night. The image first pops up as something a person riding by Coketown in a fast-moving train might say – in other words, someone who