To Veil of Not To Veil Essay Example for Free

To Veil of Not To Veil Essay Those of people that are brought up in typical western culture believe that Muslim women who wear the job symbolize the continued oppression of women in the Middle East. In â€Å"To Veil or Not To Veil† Jen’nan Ghazal and John P. Bartkowski perform a case study of different forms of identity among Muslim women in Austin Texas. This experiment delves into Muslim culture and tries to analyze both sides of the argument a primarily factual essay. The article carefully analyses both sides of the issue in an attempt to better understand what the head coverings mean for these women, and how their gender roles compare as muslim women. It appears that some people of the west fail to do before making assumptions about Middle Eastern oppression of women, many stop to ask a Muslim woman what she thinks about wearing a veil. In their case study Ghazel and Bartkowski talked to twelve veiled women and twelve unveiled women in Austin, Texas and asked them questions surrounding the controversy of the hijab. Islamic women’s motivations for veiling seem to vary dramatically. The range can be broad as expressing their strongly held conviction, to critique western culture, for strictly religious purposes, and to be viewed not just as women, but as intellectual equals. Some of verses in the Qur’an and Hadiths (Islam’s holy texts) say that women must wear to hijab to not tempt men and that to be a good Muslim woman she must conceal her body. This belief makes women overall much more modest and submissive. The Islamic religion according to the article is very much a patriarchal religious institution and some of the bureaucratic men in the society are said to see the veil as a way to keep women subservient in their society. This appears to be the central reason why unveiled women do not wear a hijab. They believe that because the head covering wasn’t originally created by Islam they shouldn’t have to wear it to achieve spiritual welfare or be considered of higher religious caliber. They believe the hijab is an oppressive tool to leave the male social hierarchy as it is now. By not wearing the hijab it appears that the majority of women feel empowered verses those woman who do where a veil. But it is important to note that there exceptions to the rule, the article talked about a girl who wore the hijab to be taken seriously by society and move up the social hierarchy. This article primarily uses an empirical methodology. The arguments are portrayed through the research and case study that the two authors conducted in Austin, Texas. Both arguments are covered thoroughly and some quantitative data is used. As I read the article I found it surprising that the two authors only conducted this study on twenty four women, twenty four Americanized women no less. An American Muslim woman verses a Middle Eastern Muslim woman can have very different views on the issue simply because the societies are so different, it is possible that the culture of the United States is encouraging this challenging think by these twenty four women. I also found it a little shocking that the article failed to address the factor fear plays in Middle Eastern Muslim women to wear the hijab. The majority of the Middle East is based on an ideology called Timocracy which is a society based on honor. When women in some countries do not wear the veil they are in affect disrespecting Islam and the nation according to some more radical Muslims. Because of this many women are punished by being beaten for something as little as a veil slipping in public. It is clear that a hijab does not have just one singular meaning. The veil may be a piece of the Islamic religion, but it is how women view and own the veil that determines what gender arises for the issue. While the some of the cultures may be forced on women, like Iran it takes independent and free thinking women to determine the culture now and how it will evolve.

Education and Class Essay -- Social Class

Class theorists argue that class provides the basic structure of society and is also the chief cause of the inequality of modern societies. The hierarchy of the Australia class system consists of a "ruling" upper class, a "white-collar" middle class, and a "laboring" working class. There is enormous inequality between the class groups and especially between the upper- and middle-classes and the working-class. What class you belong to plays a determining role in what sort of life you lead. Those at the top of the class structure typically seem to have more power, more wealth, more opportunities, and more control over their lives than those at the bottom. They also have a greater impact on society and use this advantage to manipulate society to serve their values and suit their needs.   Ã‚  Ã‚  Ã‚  Ã‚  This is no where more evident than in the social institution of education. Education is one of the great dividers amongst classes. The school you go to often determines what sort of qualifications you obtain, what job you get and, thus, how much money you earn and what class you move into. Education is a means in which individuals seek social mobility. Parents realized this long ago and some struggle to send their children to private schools to give them a better chance of succeeding in the class hierarchy. Other children, typically from working-class backgrounds, are victims of low expectations, both from their parents and internally, and leave school as soon as they can, moving into low-pa... Education and Class Essay -- Social Class Class theorists argue that class provides the basic structure of society and is also the chief cause of the inequality of modern societies. The hierarchy of the Australia class system consists of a "ruling" upper class, a "white-collar" middle class, and a "laboring" working class. There is enormous inequality between the class groups and especially between the upper- and middle-classes and the working-class. What class you belong to plays a determining role in what sort of life you lead. Those at the top of the class structure typically seem to have more power, more wealth, more opportunities, and more control over their lives than those at the bottom. They also have a greater impact on society and use this advantage to manipulate society to serve their values and suit their needs.   Ã‚  Ã‚  Ã‚  Ã‚  This is no where more evident than in the social institution of education. Education is one of the great dividers amongst classes. The school you go to often determines what sort of qualifications you obtain, what job you get and, thus, how much money you earn and what class you move into. Education is a means in which individuals seek social mobility. Parents realized this long ago and some struggle to send their children to private schools to give them a better chance of succeeding in the class hierarchy. Other children, typically from working-class backgrounds, are victims of low expectations, both from their parents and internally, and leave school as soon as they can, moving into low-pa...

Analysis of banks’ performance

Generally considered as the biggest financial crisis since the Great Depression, the Global Financial Crisis (SGF) was followed by the European sovereign debt crisis, which heavily affected most European nations in early 2010. This report will analyses the impact of the crisis on the performance and risk exposure of two major banks: Alpha Bank (ABA) and Deutsche Bank (DB).. Alpha Bank, the second largest Greece bank, locates in one of the five Euro-zone nations which suffered the most following the global crisis.At the same time, Deutsche Bank (DB) is a German bank which operates in both investment and commercial banking sectors. In particular, this report will study the asset and liability structure, the performance as well as the market and off-balance sheet risk. Also, the annual performance of 2008 to 2010 will be analyses in order to fully capture the impact of the financial crisis on these selected banks. 1. 1 Asset, Liability Structure and Risk Exposures 1. 1. Analysis of Lloy d Banking Group (LAG) Table 1: Capital Raising Activities (Liability Structure) Figure 1 Figure 2 The bank operates in both commercial and investment sections which contents in detail, wholesale, insurance and investment as its main business activities. Deposit is the main source of funding, given that the proportional ways remains above 50%during these 6 years. Generally speaking, Deposits are more reliable compare to other capital raising activities.Noticing that even during 2008 to 2010, the Deposits were lightly effect by SGF, which means retail deposits are less volatile and less sensitive to shocks. In addition, the bank was voted by Reader's Digest the most trusted bank of Britain in the 2008. LAG as a function of commercial bank, a large and versified customer base kept the bank safe during the SGF and European debt crisis. Wholesale is the second major part of their business. Figure 2 has shown that, Debt securities take around 20% during 2007 to 2012, which implies that, L AG raises not enough funds from deposits.However, wholesale is sensitive to changes in the market. As the wholesale depositors are able to transfer the fund if others bank provides better offer to them. LAG have to undertake higher withdraw risk. LAG introduced new pricing management of saving products from 2011 in order to minimize withdraw risk. The benefit for this new plan is increasing deposit balances and reducing the proportion of wholesale. Furthermore, because of LB is a diversified bank in British, insurance division is the third mainly activity for the bank to raise fund.However, insurance may exposures liquidity risk, if policyholder who is seeking to cash in their financial claims immediately or some unexceptional accident occurs, the bank has to get huge fund to pay for them. According to Lag's annual report, the liabilities of insurance remains around 13% from 2007 to 2012, which took up higher proportion of total liabilities. However, since the flood happened in late 2007 and therefore the bank had to pay the claims, the bank had a highest percentage of insurance liability compare to other 5 years.Besides, due to SGF and European debt crisis during 2009 to 2012, higher unemployment rates shrink the Auk's economy, the proportion of liability of insurance policy also affected. Finally, basing on the Figure 2 we can find that, derivative financial insurance only has small proportion in this structure, due to LAG is able to raise enough fund from deposit, wholesale and insurance sections. Table 2: Portfolio Asset Allocation (Asset Structure) Figure 3 As a largest commercial bank in K, the main source of investment of LAG is Loans, which take up over half proportion of its total asset.This type of assets was allocated to households, firms and public sectors. According the annual report of the bank, personal mortgages play an important role in loan. However, these assets are exposed to credit risk and default risk. Therefore, LB engages reverse repur chase agreements for collateralized loans in order to reduce risks. The second main source of investment of LAG is Trading and other financial Asset at fair value through profit or loss.Comparing to loans, debt securities are more sensitive and exposed to the credit risk. However, government and corporate securities are taking larger proportion in total Trading and other financial Asset at fair value through profit or loss. As these types of securities are more stable and reliable, this credit risk is mostly mitigated. 1. 1. 2 Analysts of BIN Paris (BIN) Table 3: Capital Raising Activities (Liability Structure) Figure 4 BIN Paris is a universal bank which participates in retail and investment sectors.According to the chart shown above, the main source of Buns capital raised by raiding derivative instruments in financial liabilities at fair value through profit or loss from 2007 and took a Jumped up approximately 25% in 2008 due to Global Financial Crisis(SGF). Generally speaking, de rivatives trading are carrying higher risks than other class of liabilities, such as credit risk, market risk, currency risk and interest rate risk. Because they are sensitive to the market changes and lenders are less loyal to the bank, but respectively this source of funds can generate high returns to make the bank become profitable.However, the liability structure of BIN was not constantly unchanged. In the following next two years 2009 and 2010, the main component shifted to deposits due to SGF which brought an unfavorable economy recession all over the world. This strategy of the bank intended to reduce the risk exposures via decreasing trading of risky financial instruments and more relying on deposits to raise capital in order keep the bank in a safer base during the worse recession time.The capital raising structure changed back again from 2011, noticing that unlike 2007 and 2008, the proportions of deposits and financial liabilities at fair value through profit or loss beca me approximately close amounts. However, derivatives trading are still playing an important role in Buns capital raising activities. Another considerable segment of liability structure is debt securities, which mainly content in government bonds, given that the amounts of issued had been increased from Ð ²?157,mom to Ð ²?211 ,mom from 2008 to 2009.Due to the bank changed the major capital raising activity to deposits in 2009 and 2010, meanwhile it had increased issue in debt securities in order to raise more efficient funds. This behavior can be explained that the bank was worrying about only relied on deposits as not enough and trying to diversified risks via shifting liquidity risk (from deposits) to default and credit risk. Table 4: Portfolio Asset Allocation (Asset Structure) Figure 5 The main source of investment of BIN is financial assets at fair value through profit or loss, which accounted more than 50% of total assets through 2007 to 2008.Again, this type of assets mainly consists in trading of derivative instruments, repurchase agreements afterwards and other securities transactions. In practice, derivatives trading can generate higher returns but will carry more risks because they should eave to meet what the customers' needs and generally they are sensitive to the change of market. Therefore, the risk exposures not only content credit risk, but also put the bank faces interest rate risk and currency risk. L The second considerable segment of investment is loans which mainly comprised of loans to customers.Noticing that the amounts started increasing from 2009, which accounted up to 40% of total assets (compared to 2008 was only 25%), the portions are getting close to the main component, trading of financial assets. Throwing back to SGF and debt crisis, increased in loans and decreased in trading risky assets might be considered as a strategy for BIN to diversify its several risks as we mentioned previously but this time default risk would also be raised. However, derivatives trading are still playing an important role over these six years.In addition, available-for-sale financial assets have been significantly increased in 2009, the following year after SGF. It major contents bonds particularly in government bonds. The main reason could be government bonds are the safest investment way, however, default risk may be considered in this case. . 1. 3 Differences in asset, liability structure and risk exposure Comparing the asset and liability structure between LAG and BIN, the significant difference is the main source of the capital raising activities and asset allocations between these two banks are different.LAG is much more relying on customers' deposits, a safer way to raise funds which allows LAG has a reliable capital base and confident level to go through the SGF in 2008 also the European debt crisis in 2010. In contrast, BIN changed its capital raising structure twice from changing the portions between derivatives raidi ng to raise funds on deposits in response to the impacts of SGF and debt crisis. Additionally, the core functions of these two banks are different.LAG is focusing on customers' deposits and making loans to them. However, BIN is much more concentrating on derivatives trading in both asset and liability parts (even though it shifted the main component of capital raising activity from financial liabilities to deposits between 2009 and 2010 but derivatives transactions still played an important role during those two years. ) Overall, BIN is much more sensitive to the economy and surely it carries more risks than LAG. . 1. Impacts of SGF and Debt Crisis on Asset and Liability Structure Lloyd Banking Group (LAG) For the asset structure, due to the financial hardships that many households and businesses are experiencing, as a result of the recent economic decline in the UK. LAG committed to help customers in these challenging times, which reflective of our relationship-based approach. In R etail segment, we maintained strong level of mortgage lending to new lending, and helped thousands of customers to buy new homes. As shown in the diagram above, we can see that the total asset has increased room IEEE,mom to El ,027,mom in two years' time.An increasing of 57. 55% reflects that with a 61. 25% increase in loans and advances to customers. There are strong levels of customer lending growth in commercial banks, corporate markets and mortgages. For the Liability side, the percentage of total liability has greater changed in 2009, which given that increased up to 56. 64%. After the SGF, the total liabilities still stand at a higher level in the following years as long as the European debt crisis occurred in 2010. Deposit, debt securities in issue and the liabilities of insurance are he three main components be affected.As LAG is the largest bank in I-J, it provides more confident for their customers. Even The bank experienced SGF and European debt crisis, deposit still brin g positive effect for the group. Compare 2008 to sass's deposits can be found that, there is 51. 46% shapely increasing during 2008-2009, due to more customers lose confident for others investment companies, also getting less people put the money for investment during such weaken economic period. That is the reason explains that why does deposit continuously grow during this period as en of the good reputation banks in British.Table 5 Besides, according to the table shown above, the issue of debt securities have greater increased due to the medium term notes issues changed, which implies that even LAG has sufficient fund to overcome the challenge during SGF, but they still restrained funds through issuing medium term notes in order to provide more fund to help their customers, Furthermore, the higher unemployment rate in UK due to SGF and European debt crisis, more people were getting to claim their insurance compensations, therefore the liability of insurance policy had also been a ffected.According to the balance sheet has shown, the liability of insurance policy has 60. 8% increased from 2008 to 2009. Also from 2009 to 2012, the liability of insurance still maintain in higher level. Overall, as LAG is reliable and stable bank in I-J, the main structure of asset and liability did not changed by the Crisis. BIN Paris (BIN) In regards of Buns capital raising structure had been changed twice during 2007 to 2012. The first change was in the year after 2008 SGF, the bank shifted its major capital raising activity from trading on derivatives (financial liabilities at fair value wrought profit or loss) to deposits.Considering the increased in trading financial instruments, which was the core activity to raise both total liabilities and total assets to history high respectively Ð ²?2,016,mom and Ð ²?2,075,mom in 2008. It leaded the bank with higher risk exposures as well as the leverage level had been increased due to derivatives trading is sensitive to the market and risky. Therefore the bank changed the major component of liability structure to deposits in 2009 in order to reduce risking tried to keep the bank in a safer base during the worse recession time.At the meantime, the bank increased issue in debt securities that attempted to raise more efficient funds in case of relying on deposits was not enough. In 2011 after the European debt crisis, the bank changed its core capital raising activity back to trading on financial instruments again. As an investment bank is a function of BIN Paris, the second changed of its capital structure indicated that the bank already passed the hard time and everything went back on the right track. The major component of the asset structure was financial assets at fair value through profit or loss from 2007 to 2012.In 2009 it had been decreased from 60% to 40%,but the bank increased the portions loaned to Global Financial Crisis,and this class of asset kept stable in the next following 3 years. However, tra ding on derivatives is still playing an important role overall. In addition, according to the increase in issue of debt securities especially in bonds had been increased in its liability structure, therefore, the available-for-sale financial assets had a greater Jumped up during the same year and gradually went down later on. Overall, the impacts of SGF on BIN were far worse than the European debt crisis. 2 PERFORMANCE Analysts 1. 2. 1 Return on Equity (ROE) Definition: See footnoted Figure 6 According to the chart, the ROE of LAG deceased seriously from 2007. In 2010 to 2012, it appeared a little recovering signal but still showing a declining pattern over these six years. During 2007 to 2008 both of the net income and total equity were decreased slightly, therefore, ROE decreased. However, even though the net income only had a little increased in 2009, but due to the total equity greatly Jumped up, the ROE decreased further. After 2010, ROE already deceased to history low given at 5. 4%, because of the negative net income as well as the total equity still stayed at higher level. The falling net income was primary to fewer increased in total operating income but greater increased in the impairment cost. The main reason could be the bank need to increase impairment cost to recover credit risk during SGF and European debt crisis. On the other hand, the size of total equity getting larger, this fact implied that, LAG was seeking more capital fund its financial activities in order to go through the poor economic period.Therefore, the ratio shown the bank experienced unfavorable profitability during those two recession periods Regarding to BIN Paris, the Return on Equity ratio dramatically decreased from 19. 6% to 6. 6% in 2008. It gradually recovered back in the next following years after SGF but it slightly dropped gain after the 2010 European debt crisis. Due to the banks main source of finance is making money via trading derivatives, this pattern of changing e xactly responds to the market conditions due to financial and debt crisis, also explains that the bank is very sensitive to the market.However, compare to the regenerates drop off in SGF, the impact of debt crisis was not significant through looking at the chart. Compare these two patterns of ROE; LAG is showing a declining figure which indicates that the bank had a deeper impact by the financial and the debt crisis. On the other hand, the effect on BIN was significant only shown at the SGF period, therefore, BIN seems to has a better performance overall. 1. 2. RETURN ON ASSET (ROAR) Definition: see footnoted Figure 7 In term of Lab's performance can be shown that, the greater decline in ROAR consists in declining of net income and total assets. The central bank cut the interest rate again and again in this recession period that encouraged more people to borrow money from bank to fund their mortgages or businesses. According to the balance sheet, the total assets sharply increased f rom IEEE,mom to El ,027,mom in 2008 to 2009, and then kept staying at a higher level in the following years.However, as we have analyses in the ROE part, net income decreased dramatically to negative percentages, due to total operating income did not change as lower interest rate, but the impairment cost has greater increasing in order to recover the credit risk. As a result, the net income becomes negative. Similarly, ROAR was deceasing dramatically during 2009-2011. According to the ROAR ratios of BIN, it has shown a similar pattern of trend as ROE. The ROAR sharply dropped 0. 32% in 2008 and recovered back in the next two years but slightly went down after the debt crisis.Considering that the net income of BIN in 2008 was incredibly dropped down over 60% from Ð ²?8,311 millions to Ð ²?3,millions. No matter how the total assets had a greater increased in the same year, the fluctuation of net income was the most important reason determinate the hanged in ROAR. Again, due to the b ank is sensitive to the change of market parameters, we can clearly see that the worse market condition due to SGF brought a negative impact to the bank and it was far more worse than the time during the European debt crisis.In conclusion, both of two banks were decreasing in ROAR during the weak economic period in 2008. The main reason was both of them had greater increased in total asset but the net income stayed at a relatively lower level. In the following years, BIN started to recover back and maintained in a stable level, UT LAG was continuously decreasing to negative due to total asset was maintain in higher level in debt crisis period. 1. 2. PROFIT MARGIN (PM) Definition: see footnoted Figure 8 According to the graph above, LAG had strong profitability in 2007 but it declined to 22. 43% due to SGF then slightly recovered in 2009. However, as the European debt crisis developed in late 2009, the PM continuing dropped out to the lowest, shown at -59. 62% in 2011. The reason is during this weaken economic period, interest and similar income decreasing as lower interest rate, and impairment increasing. This unfavorable decreasing during debt crisis period implies that LAG undertake loss.While the PM drives the ROAR to decline in this period. The European debt crisis shrink the bank much more than during the SGF. Comparing to LAG, BIN Paris keeps its ability steady to pay expenses and generates stable net income from 2007 – 2012. According to the main capital raising activity of BIN is trading on derivatives and other financial instruments, even though the amounts of financial liabilities and assets at fair value through profit or loss were Jumped up during the year of SGF 2008.However, the net income and total operating income were historically low through 2007 to 2012, the main reason was due to both the net gains on trading financial instruments and on available-for-sale financial assets had been dramatically decreased, respectively from Ð ²?7,mom to Ð ²?2,mom and Ð ²?2,mom to Ð ²?mom, which means, even though the trading went up, but net gains were limited by the worst market condition during Global Financial Crisis. Overall, BIN is good at controlling on its expenses and net income generation compare to the performance of LAG. . 2. 4 ASSET UTILIZATION (AU) Definition: see footnoted Figure 9 The AU ratio of LAG fluctuated seriously from 2007 to 2012. Due to given the negative impact of SGF, the AU dropped continuously to 0. 71% in 2009. As we mentioned previously, the central bank cut the interest rate to encourage people to take loan from the bank. Therefore, the total asset stayed at a higher level from 2009 to 2012. However, according to low interest rate and also some of customers were default to pay back, the total operating income did not change much.From 2009 to 2010, AU starts to recover to higher level. Unfortunately, the AU decreased sharply again from . 17% to 0. 47% due to the European debt crisis. The AU sti ll maintained at lower level during 2010 to 2012, because the pound was depreciated in this weak economic period, LAG faced loss in their oversea investment property and securities, consequently, the total operating income decreased to about E,mom during the debt crisis. LAG provided a declining pattern over 2007 to 2012, but again, the impact of debt crisis to the bank was greater than the impact of SGF.In term of Buns AU, it had been dropped down to 0. 46% in regards to the history low total operating income, given only Ð ²?3,mom in 2008. It recovered quickly afterwards and went back to 0. 63% in 2010. The AU ratio fluctuated by the European debt crisis again in later 2011 and 2012, however, as we mentioned above in the PM part, the Global Financial Crisis affected the bank much more than the effect on debt crisis. Comparing LAG and Buns All's, both of them had greater effects by SGF but the impact of debt crisis was not significant on BIN. . 2. 5 EQUITY MULTIPLIER (ME) Definitio n: see footnoted Figure 10 In term of Lag's ME, The figure increased nearly half of ME from 28. 4 to 44. 96 in 2008. The higher ME indicated that LAG used more debt to finance its assets which in turn increased the leverage level and risk exposure during SGF 2008. In order to reduce its leverage level, ME quickly dropped down to 23. 29 in 2009 even lower than in 2007 and gradually went down in the following years, noticed that the ME only shown at 20. 69 in 2012.As LAG is one of the reliable and stable banks in British, even though they experienced SGF and European debt crisis, they are able to recover quickly. Regarding to the ME of BIN, it had been increased to 35. In 2008 but had a greater decreased of 10 in the following year and still gradually went down in continuous years. Considering BIN changed its liability structure twice respectively in 2009 and 2011, in which shifted the major capital raising activity between derivatives trading and deposits.BIN attempted the first chan ge in order to minimize the risks and reduce the leverage level due to the high ME in the previous year. In 2011, after the European debt crisis, the bank again changed its major capital raising activity back to trading on financial instruments instead of relying on posits. This change had been reduced its ME ratio continuously which given that only around 20 in 2012 (the lowest from 2007 to 2012) It explains that BIN is good at controlling its leverage level and managing risks very well via adjusting the Banks structure. In conclusion, LAG and BIN have similar performance from 2007 to 2012.The ME of these two banks both had a greater Jump up in 2008 and respectively increased their risk exposures and the leverage ratios. However, the EMUS dropped quickly in later years due to both banks managed the risk via reduce their debt to enhance its assets or maintaining capital structure in order to reduce risks and leverage level. 1. 2. 6 Market Indicators Share Prices LAG Regarding LAG, t he share price stays at EYE per share in 2007 to late 2008. However, due to the SGF happen at the end of 2008, the share price decreasing dramatically to around E per shares.Furthermore, the European debt crisis also happen flow the SGF, the share price decreasing further around E per share. Base on the data shows that, over these six years, the share price of LAG is decreasing around 89. 1 BIN The highest share price of BIN Paris was up to Ð ²?94. 7 per share during mid-2007, it collapsed in later 2008 and down to history low Ð ²?21. 39 per share in early 2009. However, the share price went back on track quickly in the same year, given that volatile at the range around Ð ²?50 per share until mid-2011.According to the share price pattern of BIN, the impact of SGF on the share price was dramatically huge, but the bank effectively reacted on the massive change of market, it adjusted its capital structure in 2009, such as reduced the risk exposure via decreasing the risky derivative s trading and relying more on deposits, meanwhile increased the issue of bet securities particularly in bonds, which indicated to generate more efficient cash flows in case of the deposits was not enough to rely on. Project 2 2. 2 Market Risk 2. . 1 Introduction of market risk Market risk is defined as a risk for those investors to experience economic losses of value from the affected market performances, whether it's treatable or not. It is the risk that cannot be diversified. Some of risk factors could be observed, such as interest rates, exchange rates; there are also some factors may not be observed such as correlations which are based on statistical analysis. It includes interest rate risks, currency risks, and equity risks, see footnotes.

Survey Design - Free Essay Example

Sample details Pages: 1 Words: 362 Downloads: 6 Date added: 2019/10/10 Did you like this example? Public attitudes are influential when it comes to crime and punishment related to sex offenders. Most of the evidence in the survey has suggested out that public attitudes towards sex offenders are often complex, which is partly due to lack of sophisticated measures which are used to capture different dimensions of the offenders attitudes and the outcomes towards the matter. In spite, of all this the survey was based on utilizing of the factorial survey method which suggests out that most of the specific details about any offence, victim and an offender all have significant impact depending on large response of people’s perception.   It is therefore significant that most of the attitudes that have been considered were based on the females, as they were perceived to hold the highest negative attitude towards this matter than the males. Don’t waste time! Our writers will create an original "Survey Design" essay for you Create order Therefore, it is an implication that our strength in these views will give some program and indications, which are acceptable in the development related to the sex offenders and victims. Based on most of the criminal justice, this issue of sex offenders has been treated in different forms, for instance people decide out to set incarceration information over the internet that is a symbolism of a positive retrieval of change in the sector of either the offenders or the victims. Still, more of the sex lawbreakers nowadays according to the assessment have been seen receiving treatment in their own publics from counselors who mostly exertion in the agencies and other outpatients facilities. Though, it is imperative that counselors provide services effectively to most of the sex offenders and which is an advantage, it is explored out that their biases about the counseling gives an impact of the negative perspective which is served in by most of   the communities. To wind up this survey, it is often that the victimization and sexual deviancy issues of the justice have some confrontational issue and skills, which cope with stress as they openly, give in the chance for political offences, which is a weakness. Our ideas with regard to this matter has to be understood with an unconditional thought and it is regard to the important attributed offended.