Coffee in the Philippines Essay

This Euromonitor market report provides market trend and market growth analysis of the Coffee industry in Philippines. With this market report, you’ll be able to explore in detail the changing shape and potential of the industry. You will now be able to plan and build strategy on real industry data and projections. The Coffee in Philippines market research report includes: Analysis of key supply-side and demand trends Detailed segmentation of international and local products Historic volumes and values, company and brand market shares Five year forecasts of market trends and market growth. Robust and transparent market research methodology, conducted in-country Our market research reports answer questions such as: What is the market size of Coffee in Philippines? What are the major brands in Philippines? How significant is vending in coffee distribution? How does the increasing nuber of speciality coffee shops impact retail sales of coffee? What are the future prospects for instant 2-in-1 coffee, 3-in-1 coffee and 4-in-1 coffee? How are coffee pods performing in Philippines? Why buy this report? Gain competitive intelligence about market leaders Track key industry trends, opportunities and threats Inform your marketing, brand, strategy and market development, sales and supply functions This industry report originates from Passport, our Hot Drinks market research database. Each report is delivered with the following components: Report: PDF and Word Market statistics: Excel workbook SAMPLE ANALYSIS TRENDS Instant coffee mixes continued to gain popularity in both off-trade and on-trade channels in 2010. Rising demand for these products was due to the ease in preparation with minimal time involved, which is highly valued by Filipinos with busy lifestyles and busy consumer foodservice operators as brewing fresh coffee makes it difficult to meet demand. Nevertheless, the type of instant coffee used in on-trade establishments is usually different from off-trade brands as food establishments with high volume consumption commonly work with coffee manufacturers to produce customised mixes made from freshly-ground coffee beans and with added flavours, but come in instant powder format. COMPETITIVE LANDSCAPE In 2010, Nestle Philippines continued to dominate coffee with an 81% share of off-trade volume sales and an 89% share of off-trade value sales. This was mainly due to the strong brand recognition of Nescafe, as its name is synonymous with coffee in the Philippines, and the extensive distribution network in both modern and traditional retail channels. The well-diversified product portfolio of Nescafe in instant coffee has also enabled the company to capture a broader range of consumers – from low-income Filipinos to health conscious coffee drinkers. PROSPECTS Longer working hours and busier lifestyles for Filipinos, along with the desire to streamline operations amongst foodservice establishments, are all expected to increase the demand for instant coffee mixes over the forecast period. Nevertheless, consumption of fresh coffee is expected to improve over the same period. Higher demand should be driven by a niche group of affluent consumers who are willing to pay more and focus on quality rather than convenience.

Mga Pananaliksik

The Ten Commandments of Human Relations 1. Speak to people. There is nothing as nice as a cheerful word of greeting. ?Speaking to other people is the best way to gain relationship, and greeting is the best way to start a good conversation. 2. Smile at people. It takes 65 muscles to frown; only 15 to smile. ?Smiling will give the impression of being open to relationship and expressing to everyone that you are a kind person. Nobody will dislike a kind person, except for those who are insecure. 3. Call people by name. The sweetest music to anyone’s ears is the sound of his own name. ?Never call a person in a pig or etc. it is great insult and it would damage your reputation of being a good friend. 4. Be cordial. Speak and act as if everything you do were a genuine pleasure. ?Be thoughtful and don’t be pretentious, just enjoy the conversation. 5. Be friendly and helpful. If you would have friends be friendly. ?Being friendly and helpful will help you build and strengthen your relationship with others. 6. Be genuinely interested in people. You can like everybody if you try. Never judge a person, because no matter how bad he looks or act, there is light inside his or her heart, and that light protects the kindness left to that person. 7. Be generous with praise; cautious with criticism. ?It is simple. If you have nothing good to sat, just shut your mouth. 8. Be considerate with the feelings of others. It will be appreciated. ?Do not be a dumb of something else towards other personâ€⠄¢s feelings, try to understand them and if possible, console and comfort them to the best of your ability to do so. . Be thoughtful of the opinion of others. There are three sides to a controversy: yours, the other fellow and the right one. ?If a friend asks you if his or her dress looks good to him or her. Never say yes if it’s not true, instead, you need to criticize in a friendly manner. 10. Be alert to give service. What counts most in life is what we do for others. ?Offer your personal and professional services to everyone as long as you find yourself needed.

AP Analysis

It is extremely helpful to use the numerical scale for quantifying pain severity for a patient in order to best asses a pain’s origin and severity, thus allowing for the most accurate diagnosis and pain treatment. 4. The term â€Å"putting a joint back into place† indicates moving the bone back into the synovial joint (its proper place). The â€Å"pop† sound occurs due to gas bubbles (nitrogen) escaping from the synovial fluid. 5. Both the shoulder joint and the hip joint are ball-and-socket joints, but the hip joint does not have as large a range of motion when compared to the shoulder joint. The shoulder joint is not just a bony socket, but is comprised of several tendons/muscles (as previously mentioned), synovial fluid, tendon sheaths and hyaline cartilage. Issue #3: Eye problems 1. The term for someone who has problems seeing close objects but can see objects far away is â€Å"hyperopia† or farsightedness. 2. Contrarily, â€Å"myopia† or nearsightedness is the condition of being able to see objects up close but not ones far away. 3. David appears to have hyperopia, since he needs to hold a paper at arm’s length to be able to read. Issue #4: Muscle Physiology 1. The cause of the muscle cramping is hyponatremia or low blood sodium, which may have occurred by the young girl drinking a lot of water in the hot sun to try and stay hydrated, but which caused an electrolyte imbalance in her body, thus resulting in muscle cramps. 2. The muscle cramps will go away once she drinks the salt water, which will restore the necessary electrolyte balance in her body. Issue #5: Muscle Physiology Child Case History 1. The hereditary X-linked recessive disease characterized by progressive muscular weakness is called muscular dystrophy, or Duchenne muscular dystrophy (DMD). 2. â€Å"Dystrophy† refers to the degeneration of, in this case, muscles. 3. Muscles in the leg involved in walking â€Å"on the toes† are the illopsoas, gastrocnemius and soleus. As these muscles weaken, the plantar flexors in the foot take over the job of walking. 4. The trunk muscles that weaken in certain cases of lordosis (sway back) and abdominal protuberance are the lower back muscles (erector spinae), hip flexors, abdominal muscles and the hamstrings.

Funds Management and Portfolio Selection Assignment

Funds Management and Portfolio Selection - Assignment Example FMG has regression level of 2.1, which implies that an increase in the market returns by one percent will result to an increase in its overall returns by 2.1%. A positive regression between market and assets, according correlation and data theory, results to assets’ returns moving away those of the market. Consequently, higher regression levels imply greater impacts from the market. The performance of FMG can be associated to its huge weight in all ordinary market, since it is a company associated with mining, processing, as well as transportation of iron ore within the region of Pilbara, Western Australia. Being an iron ore exporting company all over the world, an improvement in the global economy is likely to result increases in the level of consumption, which will affect positively on the prices of FMG and index (Brailsford, Heaney & Chris, 2011). In addition, this effect is also likely to affect AXA in a similar manner, since it is also one of the companies with notable regression. AXA is the top most wealth management company in Australia and New Zealand with capital management as its integral objective. Its steady improvement is the overall performance in the Australian stock market can be closely associated with the company’s strong capital position. Comparing to other industries, mining industry is the biggest market in Australian, and it takes a huge shape in stock market. This is a reason behind FMG’s higher regress than other companies. Next, these companies set up to ten difference portfolios and the beta decrease with the portfolio extending (Sutton, 2009). When extra stock is added in each portfolio, the level of Beta reduces from 0.5 to 0.1. As a general measure of stock’s systematic risk, Beta is defined as the quantity of systematic risk present in a certain asset respective of the risky asset. A beta level below 1.0 show a stock with lower amount of systematic risk compared to the market, the reverse is true. The results

Angola - High mortality rate Term Paper Example | Topics and Well Written Essays - 1500 words

Angola - High mortality rate - Term Paper Example ain consists of agricultural highlands, with a large savanna in the east and south; and rain forest strips in the north and the enclave of Cabinda (U.S. Department of State, 2011). Angola has a tropical climate. According to the WHO (2011), the total population of Angola is 18,498,000. Its main ethnic groups are: â€Å" Ovimbundu 37%, Kimbundu 25%, Bakongo 13%, mixed racial 2%, European 1%† (U.S. Department of State, 2011). Around 17% of its population are children 5 years old and below. Approximately 42% live in the rural areas. The official language in Angola is Portuguese and the Portuguese compose the largest non-Angolan population. Angola has a republic government system. A new constitution was enacted on February 5, 2010 and three days after, President dos Santos established a new government. The new constitution made a party list system where citizens can vote for a party, instead of a single candidate, and the president will be the head of the winning party’s list (U.S. Department of State, 2011). It created a new office of the vice president, and removed the position of the prime minister. The next presidential and parliamentary elections are projected to occur in 2012. Angola is rich in oil, gas, and diamonds, but remains in the lower rings of 10% of numerous socioeconomic indicators (U.S. Department of State, 2011). GDP growth in 2009 did not improve, though higher GDP projections are expected for the coming years (U.S. Department of State, 2011). An estimation of Angola’s oil reserves showed it to range from 9.5 billion to 13.5 billion barrels (U.S. Department of State, 2011). Crude oil composed around 50% of Angolas GDP, as well as 95% of its exports, and 72% of government revenues in 2010 (U.S. Department of State, 2011). Angola also generates 40,000 bpd of locally refined oil. Angola ranks 160th in the UNDP Human Development Index (WHO, 2005, p.1). The main determinants of health are the financial resources of the country, the availability of

Pollution Of New Energy Resource Essay Example | Topics and Well Written Essays - 750 words

Pollution Of New Energy Resource - Essay Example With the current issue of global warming, generation of energy from solar power is one of the best options for managing the problem. Use of solar power has a high likelihood of reducing the challenges of global warming affecting the world today. There are different ways in which solar energy can be used. It is as a result of this that there exist different forms of solar energy. For example, passive solar systems use absorptive structures of houses in heating water beside homes. Active solar energy systems are other types of solar systems that depend on solar collectors to harness solar energy. This type of solar can be used in the generation of electricity. The electricity generated by this solar is channeled to an electrical grid. It is as a result of this that I considered generating energy from a solar bag. Solar bags use the same principle of energy generation from the sun like other solar systems. The solar bag constitutes small, thin as well as durable solar panels. The solar panels in the solar bags are made up of photovoltaic cells which have the ability to generate electricity from the direct sunlight. As the light and energy from the sun hit the solar panel, the cells absorb the energy as well as the daylight making the flow freely since they become loose. The electric field created in the photovoltaic cells ensures the electrons have flown in one direction creating an electric current that is harnessed by metal contact cells that are attached to the top and bottom of the cells.

University Application Recommendations Essay Example | Topics and Well Written Essays - 5000 words - 1

University Application Recommendations - Essay Example His fascinations have naturally matured as responses to the built environment and playful investigations into sculpted forms. He is capable of both stylistic and naturalistic responses and the sketchbooks roll out thoughtful and coherent visual arguments. George’s observation, understanding and analytical skills are evident from his written work in economics George is also an enthusiastic analytic and has produced some impressive written work when writing in the light of a broader context, demonstrating his ability to pursue a broader understanding of the workings of a text in English. His current Personal Investigation will compare Brave New World, East of Eden, The Tempest and Paradise Lost IX and X. He is both intelligent and is sharply perceptive in terms of literature and the world around him. George understands the role of Mathematics in architecture and therefore worked hard to develop strong concepts of the subject. His hard work has paid off and is a good problem-solving strategist. In Mechanics he displayed good technical abilities – drawing precise technical diagrams and working effectively from them. In class he works with determination and care, and he often makes valuable contributions to class discussion. George is academically focussed and has earned high marks in Mathematics. However, George’s marks are not the real measurement of his diligence, hard work and potential. He is truly a gem of a student and grasps concepts easily. However his drawbacks have been attributed to the hearing problem which in no way could subdue his determination and spirit to excel in

Occupational Health and Safety Essay Example | Topics and Well Written Essays - 3000 words

Occupational Health and Safety - Essay Example A careful study of the legislation of New Zealand has been conducted to analyze the rules regarding the participation of the workers in the overall decision making of the safety issues. The study involves a wide range of literature on the topic of occupational health and safety and the participation from the workers. Occupational Health and Safety Introduction In this paper we describe the various problems relating to the Occupational health and safety of the people working in various organizations. The problem of the safety of the workers is a serious matter of issues and the paper highlights each of the segments critically. Occupational safety and health aims at maintaining the safety and the overall health of the employees for maintaining the welfare of the people in the organization (Ashford, 1976, p.45). In the context of the Occupational safety and health the participation from the employees is a crucial factor. The employees are the victims of the disaster occurring in the org anization and their views are of utmost importance in providing a better solution in implementing a safe environment for the workers. The workers have a fair idea about the problems and they can also recommend solutions for attaining better results. Other than providing necessary solutions, the employees can also contribute by exhibiting their commitment and the morale. The program undertaken by the management in providing with safe work environment also needs to be evaluated by the employees. The paper takes a critical view of the participations of the workers in the program of the occupational health and finds out the implication which the management of the organization has based on such issues. The workers participation has also received substantial barriers in the recent past in matters of occupational health and safety. Methodology: The methodology conducted in the research is based on the secondary sources. A considerable number of peer reviewed literature has been studied to understand the concept of workers participation in the Occupational health and safety. Books have also been used to analyze the various models of occupational health and safety of the workers. Various legislations of New Zealand, on the topic under consideration have been consulted to analyze the legal framework of OH&S in New Zealand. However in order to maintain the credibility of the research, only trusted sources have been included in the research (Malhotra, 106-107). The secondary method helped to explore a variety of information regarding the occupational health and service. The research method incorporated in the process is qualitative in nature as the overall study is based on the facts (Thomas, 1-2). The paper takes a study of the various theories relating to the Occupational health and safety of the workers before concentrating on the issue of the workers participation and the OH&S. Findings: Occupational Health and Safety: Occupational health and safety deals with the eli mination of the injuries and accidents which may occur in the work-place and which has been a rising problem faced by the employers in various parts of the worlds. Work related injury is defined as any damage caused to the employees

Work integrated project Lab Report Example | Topics and Well Written Essays - 2750 words

Work integrated project - Lab Report Example Evaluation of Limitations and Alternative Proposal 13 References 15 Bibliography 17 Overview Swan Sweet  is the manufacturing and wholesale segment of Lebanese Sweet and is located at Maddington, West Australia.  Swan Sweet was founded by Hassan Youssef in the 1920’s and was then known as ‘Hassan Youssef Sweet Lebanon’. The company has positioned itself as the key supplier of confectionery items for the business market. Swan Sweet  offers sweets and other  catering solutions to fulfill all the business needs of their customers. They are well known for their supplies of freshly baked Baklava, a variety of Mediterranean pastry.  They also offer wholesale solutions to their customers for promotional  proceedings and corporate events  by providing bulk products enabling the clients to develop and build their businesses (Swan Sweet 2011). The report addresses the issues pertaining to a change intervention process of Swan Sweet. The report analyzes the int ernal and the external drivers which led to the change intervention in Swan Sweet explaining it’s rational and purpose. The study considers the change perspectives that might have driven the owners of Swan Sweet. The study also describes the change strategy adopted by the management of Swan Sweet and demonstrates the approaches employed for the development as well as implementation of the change strategy. An assessment has also been made of the options available to and restraints the company Swan Sweet faced when selecting the resulting strategy. The report also confers about the strategic planning tools employed as well as how they were customized or discarded to match the organisational requirements of Swan Sweet. The report evaluates the confines of the change intervention process, and finally proposes alternative change perspectives and strategies for the change intervention in Swan Sweet. 1. Rationale of Change Intervention Swan Sweet has evolved over the years since its foundation in the 1920’s and has under gone various modifications in their functioning process. Swan Sweet’s incessant up gradation in terms of quality is aligned to their objectives of customer satisfaction. Swan Sweet has implemented a distinctive blend of technology and service to offer sufficient products options. The  product service of Swan Sweet is designed in a mode that it enables the customers to specify  their exact requirements. Swan Sweets ensures that each and every product delivery made by them is unique and precisely as per the requirements of the client.  Customer service and customer satisfaction is the top priority of Swan Sweets. The company guarantees to deliver every product order on accurate time,  as per the agreed budget and of the best possible quality. Swan Sweet’s goal is to provide customer delight by means of the utmost levels of service and quality achievable (Swan Sweet 2011); this had served as the internal driver or the principle which had motivated Swan Sweet to employ incessant change in order to upgrade the level of the services provided by them. The management of Swan Sweet believes in contemporary marketing technologies and has also developed online shop for marketing their products. The management of Swan Sweet was certain that there was a demand for an online platform which would provide best quality sweet and other confectionary products for the business segment (Swan Sweet 2011). The success of their online delivery service has proven the existence of such a requirement amongst the public. In the initial years of the formation of Swan Sweet, the growth of Muslim populace in

Equity vs. Equality and Merit in Compensation Essay

Equity vs. Equality and Merit in Compensation - Essay Example The author of the essay Equity vs. Equality and Merit in Compensation makes a detailed analysis of considerations related to the principles of equity and equality that has been very much a part of the debate about the structure of reward or compensation systems since the early 1970s. Researcher finds that apart from issues related to the inequality of sexes in a society and gender mainstreaming, the principles of equity and inequality also have an impact on matters related to egalitarianism, racial equality and poverty alleviation as well as the satisfaction of the wants or desires of an individual through the selling of their skills and expertise. At the end the author comes to the interesting and thought-provoking conclusion. Whereas the principles of equity and equality as well as the notion of merit in the allocation of resources or rewards, such as compensation or wages represent some of the fundamental considerations associated with such decisions, employees generally feel happ y when they know that they have been fairly treated in regard to their compensation under the circumstances in which they may find themselves. Equity with an attempt to consider the requirements of a job when deciding on pay usually results in the fairest determination of compensation as an individual is fitted to a job. Equality is fair for a group, but can disadvantage individuals while recognition of merit provides employee satisfaction in terms of the recognition of their outstanding work efforts.

Curleys Wife Character - of Men and Mice Essay Example for Free

Curleys Wife Character of Men and Mice Essay Of Men and Mice is not kind in its portrayal of women. In fact, women are treated with contempt throughout the course of the book. Steinbeck generally depicts women as troublemakers who bring ruin to men and drive them mad. Curley’s wife, who walks the ranch as a temptress seems to be a prime example of the destructive tendency. Despite the author’s rendering, Curley’s wife emerges as a relatively complex and interesting character. Although her purpose is rather simple in the book’s opening pages, she is the â€Å"tramp†, â€Å"tart† and â€Å"bitch† that threatens to destroy male happiness and longevity. The social setting of the novel is also important, as it could later explain characters attitudes towards other people. It is set in the U.S. in the 1930s; this is the time of the Great Depression. This was a result of the First World War. It affected the rich and poor alike, factory workers and farmers, bankers and stockbrokers. In short, it affected everyone; no one was left untouched. But of all the people hurt, farmers were the worst off. Curley’s wife is first introduced in person to us in a symbolic way; this is shown when George is talking to Lennie about the dream and when Curley’s wife first meets both men. â€Å"Both men glanced up, for a rectangle of sunshine in the doorway was cut off.† The symbolic meaning of the word sunshine is hope, freedom, happiness and dreams. This foreshadows that she may cause trouble or come in the way and could ruin it all for Lennie and George. She is also described as a â€Å"girl†, which tells us that she is very playful, childish and vulnerable. Her appearance later in the novel becomes more complex. But even before this we are forewarned about her, Candy tells George and Lennie about her, making her out at the wrong type to begin with, â€Å"Married to weeks and got the eye? Maybe that is why Curley’s pants is full of ants,† giving us the impression she was a person not to socialis e with. Also tells us that the men on the ranch know that Curley knows that is wife looks at the rest of them, hoping for one of them to try and get close to her, so he can then create a situation for a fight. As Candy relaxes he also goes on to get them to have the same opinion as him about her by saying, ‘well, you look her over, mister. You see if she ain’t a tart†, and the reply from George, ‘Purty?’ making sure that we see her as ‘jail bait†. Then when we first get to see her she is dressed as if she is going out to a party, and Steinbeck also enforces the concept that she is trouble and a tart, by describing her appearance, â€Å"she had full rouged lips†, â€Å"red mules, on the insteps of which were little bouquets of red ostrich feathers†, using the colour red as a foreshadow that she is dangerous. This is the first time also that we see that she is attractive and that she knows it, also that she wants the men to look at her, â€Å"she put her hands behind her back and leaned against the door frame so that her body was thrown forward†, forcing the men to look at her curves. This first sign of nativity shows that she doesn’t understand her affect on men, showing her age as a teenager and her understanding of her sexual attractiveness. We also get an insight to her life with her husband and why she is always coming around the rest of the men. When Candy tells George and Lennie about Curley having his glove full of â€Å"Vaseline† and that he was keeping â€Å"that hand soft for his wife†, tells us that she was also being beaten up, and that nobody could see the bruises because Curley had softened his hand, or he hit her in places where we couldn’t see the bruises. This is the first time we see her as a victim needing help. We also see that see can be cruel, and willing to misuse power. When she confronts Lennie, Candy, and Crooks in the stable, she admits to feeling a kind of shameless dissatisfaction with her life. Her vulnerability at this moment and later when she admits to Lennie her dream of becoming a movie star makes her utterly human and much more interesting than the stereotypical vixen in fancy clothes. She seeks out even greater weakness in others, preying upon Lennie’s mental handicap â€Å"they left all the weak ones here†, Candy’s debilitating age, â€Å"tell an’ be damned. Nobody’d would listen to you, and you know it† and the colour of Crook’s skin â€Å"you know what I can do to you if you open your trap?† in order to steel herself against harm. Dreams are a major reoccurring theme, when Lennie tells Curley’s wife of his and George’s dream she just says â€Å"baloney†, but she has a dream of her own and she proceeds to talk Lennie about it. She has dreamt of being a movie star, which nearly came true when she encountered an actor. ‘He says I could go with that show†, but like most young girl s was forbade from her mother, ‘my ol’ lady wouldn’ let me†. So having her dream pulled out from underneath her she rebelled, and married Curley. However she always wanted to achieve something of herself and loved attention. â€Å"Curley’s wife lay with a half-covering of yellow hay. And the meanness and the planning and the discontent and the ache for attention were all gone from her face. She was very pretty and simple, and her face was sweet and young. Now her rouged cheeks and her reddened lips made her seem alive and sleeping very lightly. The curls, tiny little sausages, were spread on the hay behind her head, and her lips were parted†, this is the first time we are shown her true self – she was a young, innocent, lonely young girl. When you take away all the walls she had erected you come back to a young girl wanting to be loved, who saw Lennie as a way out from Curley’s abusive relationship. As Lennie could hurt Curley, but not realising the danger she was ultimately putting herself into. So in conclusion Curley’s wife is the most depressed and lonely characters in the novel. She has no friends, no future, no respect; she doesn’t even deserve a name. All she wants is someone to talk to but in her mind the only way she can do this is by flaunting herself to the men to get noticed. This leads her to be perceived as a â€Å"tart† by the men. She represents absolute loneliness and desperation to achieve something better in life. Even though she is very lonely, she comes across as a very beautiful woman. She flaunts herself by dressing and acting in a â€Å"tart† like manner, but really she is just making use of her body to gain the attention of the workers to soothe her. If anyone would give her a break, treat her like a person, she would idolise them. Her craving for contact is immense but she, with her background is incapable of conceiving any contact without some sexual context, she is not particularly oversexed, but has been forced to recognise that her sexuality is the only weapon she has, and the only thing that gets her noticed. Consequently she is a little starved. She knows nothing about sex, except the mass information girls tell each other. All through the novel the men make out that Curley’s wife is trouble. But yet there was never any proof that Curley’s wife has ever caused any of the trouble or conflicts. The only trouble she caused was when she died.

Achievement standard 91329 study exemplar Essay Example for Free

Achievement standard 91329 study exemplar Essay Anaerobic training is used to enhance performance in non-endurance activities to promote strength, speed and power and also to strengthen muscles in a shorter amount of time. Anaerobic training triggers two main energy systems: the high energy phosphate systems, (adenine triphosphate (ATP) and creatine phosphate (CP)) and the anaerobic glycolysis system. High energy phosphates are used in small doses within muscle cells and the anaerobic glycolysis system is used in the absence of oxygen inside the cells or when ATP is needed in higher quantities but it cannot be produced fast enough during aerobic metabolism. These energy systems will help to build strength within the muscles and will contribute to a better health and well-being. Demonstrate in-depth understanding on the bodies’ physiological responses from participating in the session. During my training my body was exerting a lot of ATP around my body to give me energy to do the workout. I worked between 75-90% of my max heart rate because the workouts I was doing were very short but intense which meant I had to work harder to get the maximum amount of ATP out of my body. I noticed that after my workouts I was fatigued because the ATP energy within the muscle cells around the area of work had been all used up. Demonstrate comprehensive understanding of the strength and weaknesses of the application of the method of training. You should show an interrelationship between the biophysical principles. Anaerobic training is really good in context to the various sports I participate in because in netball, basketball and touch you are not always on the move but you have to exert small bursts of energy at a time e.g. following the opposition on defence, dribbling the ball towards the hoop and running with the touch ball. The small exerts of energy are using a high build-up of ATP within the muscle cells. Being able to keep working through the pain of working at a 75-90% max heart rate helps to burn fat faster and build muscle. Task 3: Demonstrate comprehensive understanding of the application of biophysical principles. (a)Demonstrate comprehensive understanding of the application of three methods of training (methods of training may include: continuous, fartlek, circuit, interval (short and long), flexibility, resistance and plyometric) you have used in your training programme. Method of training: Short interval training I used short interval training in my training programme because I wanted to challenge myself and improve my health and well-being in a short amount of time. I order to do this I had to work between a 75-90% max heart rate so that my muscles and heart were working as hard as they could to produce maximum physical results. I decided to work at a 2:1 work/rest ratio so my body had enough rest to produce more ATP and so my heart rate can lower a bit so I have to work harder to build it up again. I tried to move as little as possible during rest time so my body has enough time to lower as low as it possibly can before rising again to the same heart rate. During my training I noticed that I was talking to myself various times in a workout telling myself to keep going and reminding myself of the number of reps that were left. This showed that my brain was also being trained along with my muscles and the brain is one of the hardest muscles to train in the body. Method of training: Plyometric training I used plyometric training to build power and speed in my legs by speed skipping and double under skipping. This type of training is important to building power and speed in my lower body by pushing my muscles to move from extension to contraction in a short time at an explosive rate. When doing double under skipping I experienced very small shocks on landing in which my hip, knee and ankle extensors endured a powerful eccentric contraction. When this happened my muscles were forced to tense. The eccentric contraction is then quickly switched to the isometric (when I stopped moving downwards) and then the concentric contractions, in a rapid time frame which is repeated many times. Isometric contraction always occurs in the transition from the  eccentric to the concentric contraction, but in this rapid transition it is practically eliminated. This is builds strength in legs which can be important to runners when leaving a starting block. The reason why I used this method of training was mainly to build strength in my legs which is beneficial to my lower body. Method of training: Fartlek training Fartlek training was used in my training programme to provide variation to the normal training I did. This placed stress on my aerobic and anaerobic systems and I allowed me to work as fast or as slow as I needed to. Between the high intensity running, I did easy and less strenuous jogging to recover for the next high intensity sprint and I could alter the periods of time that I did high intensity and low intensity running which was a bonus to myself. The benefits of the fartlek training were that I could alter the intensity level to suit myself and it was effective to have the two intensities put into one workout. Having this choice to alter the workout did not stop me from pushing myself though. Fartlek training helped to strengthen my legs and improve my breathing so I could maintain at a high speed for a longer period of time. Choose four principles of training. Principles of training may include the F.I.T.T principle (frequency, intensity, time, type), as well as specificity, progression, reversibility, rest and variety. Demonstrate in depth how and why these were applied to the methods of training in your programme. Principle of training: Intensity How did you apply it to your training programme? I specified the intensity of the workout on my training programme before I started working out so I knew to work at a high intensity or a low intensity. To work out my max heart rate I used the max heart rate chart on the wall in the weights room and I double checked it by using the max heart rate formula: 220 – age, which made my max heart rate 204 bpm. I specified in my training programme that I would be working between 75% and 90% of my max heart rate so I used a heart rate app on my phone because we did not have a heart rate monitor at school and double checked it by putting my hand on my pulse and timing it with a stop watch for a minute which would give me  my bpm straight after the workout. This would ensure that I was working between 150-180 bpm. Why did you apply it to your training programme? I applied intensity in my training programme because it kept my heart rate between the 75% and 90% max heart rate. I was working at a very high intensity which caused oxygen transfer into my muscles to be harder. Due to the anaerobic training I did in my training programme, the periods of time I could work within the 75-90% max heart rate area increased and I could easily get rid of the lactic acid that had built up to use within other energy systems in my body. Principle of training: Frequency How did you apply it to your training programme? I ensured that before I started my training programme that I would be training on specific days within the three week period that we were given to complete the training. I wrote these dates down before I started, determining which days I would train and which days I would rest. This assured the teacher supervising and I that I had to follow this plan and stick to the days designated for training. Why did you apply it to your training programme? I applied frequency in my training programme because it helped to balance the amount of stress I put on myself to adapt to the training and allowing enough time to rest and recover. In addition with the foods I ate within the time allocated to train, training frequently (about 4 or 5 times a week) helped my body to burn calories for my health and well-being in which my training programme was intended to improve. Principle of training: Specificity  How did you apply it to your training programme?  To apply specificity in my training programme I had to do a lot of written work before I had even started training. Not only did I specify the days on which I would train or rest, I had to also specify the amount of time I was going to train or do each activity for, what type of training was going to be involved on each day, what specific activities I was going to do with or without equipment on each day and the max heart rate area I was going to be  working within for the day’s session. I did this by writing all down in my training programme before the three week period and then following each session recorded for each date. Because I was merely training to improve my health and well-being I could do a variety of training within my training programme to improve specific parts of my body e.g. plyometric training to build speed and strength in my lower body and fartlek training to improve my breathing while running. Why did you apply it to your training programme? I applied specificity in my training programme because it was forward thinking and helped me to stick to the plan I had set out and be more organised on the training day. Because my training programme was designed specifically to improve my health and well-being I was not training for a purpose such as interval sprints to improve 100m sprints. Making sure that each training session was specific allowed me to train various parts of my body rather than training for a specific activity likt long distance running. Principle of training: Variety How did you apply it to your training programme? I used different methods of training within my training programme to create variety. Each training session in my training programme was different and I was using a different method of training each day e.g. On Monday 26th August 2013, I used plyometric training as my method of training followed by short interval training on Tuesday 27th August 2013. I also mixed methods of training in my workout to create even more variety and test my body’s adaption capacity e.g. adding skipping in to a short interval workout to incorporate a plyometric aspect into my workout. Why did you apply it to your training programme? The main reason I applied variety in my training programme was to prevent boredom from doing the same thing during the three week training period. In my training programme not one training session was the same, some consisted of elements from other sessions but none were exactly the same. I did this because it gave me a chance to work different areas of my body using different methods of training. Training programme evaluation Strengths of training programme. I think that the main strength in my training programme was the variety and intensity that my training programme offered. Due to the lack of specified purpose for training, I could experiment with my trainings and evaluate on whether that session was a success or needed improvement. This proved to be a benefit for my body because I was able to work all parts of my body in the one workout rather that working on only one area of my body. This provided minute amounts of muscle and resistance of energy system developments which was a huge benefit to my psychological health because I knew that this training was working and gave me more self-confidence. Because I added variety into my training programme, especially into my short interval training, it helped to build strength and speed faster than if I did the same training each session. Another strength within my training programme was the simplicity of it. It was easy to follow and I didn’t need to use much equipment in the gym which makes my training programme easy to follow and someone else could easily use it to train with. Weaknesses of training programme. Using methods of training that worked mainly my lower body was one of my weaknesses because it did not provide me with adequate upper body training. Because I used plyometric and fartlek training methods which both worked my lower body muscle groups and they did not benefit my upper body. Also the duration of the short interval training session I did were a bit too long, especially during the first week of the training period, so I was fatigued very early in the session and it was hard to carry on working at the rate I started at. What modifications would you make to the application of the biophysical principles used in your programme? To improve the application of my biophysical principles used in my programme, I would alter it to focus on one specific physical activity but only doing different kinds of workouts that will help to improve that physical activity like doing different workouts focusing on running if I wanted to improve my running skills. Doing this will allow me to accurately measure whether my training is working by looking at results from before I started training and after I have finished training. I would also start with low intensity workouts during the first  week and then eventually elevating the intensity over the weeks following to minimise the fatigue levels while working out. By doing this it will allow my body time to adapt to the intensity and stress of the workouts.

Can Neutropenic Cancer Patients Be Nursed Effectively Nursing Essay

Can Neutropenic Cancer Patients Be Nursed Effectively Nursing Essay On my clinical rotation I have observed that oncology patients are being nursed in wards which have patients with other conditions. Some of the oncology patients were severely neutropenic. This poses a greater risk for infections since the white blood cells needed to fight infection is very low. It has been noted that patients with infectious diseases such as tuberculosis are being nursed on the same ward, along with burn patients and HIV patients. It was observed however that the most neutropenic patients were being barrier nursed. However it was still observed that many times members of staff entered the room without wearing a mask or washing their hands and most of the times the patient also wore no mask. The cleaning staff also entered the rooms and cleaned without wearing masks and would sometimes clean an infectious persons room prior to cleaning the cancer patient room. These observations have led me to ask the question whether neutropenic cancer patients can be effectively nu rsed on a ward with others patients of contagious illnesses. This issue is significant to oncology nursing and cancer care since it addresses the practices of nursing and also plays an important part in patient outcomes. It has been estimated that each year in the United States there were sixty thousand cases of cancer patients hospitalized with neutropenia. About two thirds of that number has reported infections and the estimated inpatient mortality rate of those patients is seven percent (Segal, 2008). Infections also cost hospitals a lot of money that could be spent on other health issues. It was estimated that infections have added thirty billion dollars to the US hospital cost while consumers also have to pay part of the cost (McCaughey, 2005). A search was carried out using internet data bases and articles were found which lends support to the use of barrier nursing and other methods as effective tools in infection control. Barrier Nursing is nursing a patient so as to erect a barrier to the passage of infectious pathogenic organisms between the contagious patient and other patients and staff in the hospital, and thence to the outside world (Last, 2010).It involves the use of having the patient isolated in a separate room and if not possible they are screened on an open ward. The nurse would wear a gown, mask and gloves when attending to the patient and observe strict hand washing and aseptic techniques (Last, 2010). Reverse barrier nursing or protective isolation is where the susceptible patient is isolated to prevent them from getting infections. It involves limiting the number of staff and visitors that interact with the patient especially if they are ill. It also involves limiting attending to a contagious patient then attending to the immunocompromised patient. All staff should be aware of the precautions and the doors should be appropriately labeled (The Leeds Teaching Hospital, 2003). According to the American Cancer Society (2009), neutropenia is described as a deficiency of neutrophils. Neutrophils are the largest number of white bloods cells in the body and are crucial to the bodys defense system. Some cancers such as the lymphomas and some leukemias directly affect the immune system and causes low blood counts. In other cases the cancer treatment received such as chemotherapy and radiation results in damage to the immune system (American Cancer Society, 2009). When the immune system is damaged or suppressed it is referred to as immunosupression. When this occurs the white blood cells especially neutrophils are unable to fight off infections and the person is highly susceptible to getting an infection. Infections can be caused by bacteria, viruses, parasites or fungi (American Cancer Society, 2009). Some studies have suggested that proper hand hygiene by the patient and the nurse along with immunization, antifungal and antibacterial prophylaxis have show to be the most effective methods of infection control. Avoiding contact with persons who are ill with respiratory illnesses has also been suggested (Zitella, Friese, Hauser, Gobel, Woolery, OLeary and Andrews, 2006). The Center for Disease Control recommends hand washing as the most important means of spreading infection especially in susceptible populations such as the immunocompromised. It is also important between different patients in high risk units such as between cancer patients and HIV patients (LeTexier, 2000). Other studies have suggested that barrier nursing is needed for all immunocompromised patients. Some infections are seen mostly in certain disease populations for example Candida infections are found in many HIV patients. However the question of whether neutropenic patients should be housed close to HIV patients needs to be further researched. Rather strict hygiene practices along with prophylactic treatment have been suggested (Lortholary Dupont, 1997). It is suggested that all clinical staff and other health care workers are periodically trained in infection control and there should be consistent evaluation of techniques being used. The nurse is in a unique position to ensure that infection spread is reduced by carrying out and monitoring aseptic practices; ensuring the environment is clean to prevent spread of micro organisms and to protect the patient from ill staff and visitors (Collins, n.d). Some studies have also indicated that there is little evidence that reverse barrier nursing is effective especially where there is no laminar air flow or HEPA-filtered rooms available. However some studies indicate that the filtered rooms can reduce morbidity and mortality in patients with leukemia (Seshadri Baumann, 2008). The use of reverse isolation of any type for patients with solid tumors who are neutropenic is discouraged since there are no studies to prove it is helpful rather it can cause anxiety and confusion for patients, their families, and healthcare workers (Seshadri Baumann, 2008). After reviewing the literature the question can be answered that neutropenic patients can be effectively nursed on these wards with the collaboration of all the members or the health care team in carrying out proper hygienic methods.

Marlows Catharsis in Conrads Heart of Darkness :: Heart Darkness essays

Marlow's Catharsis in Heart of Darkness  Ã‚   Conrad's novel, Heart of Darkness, relies on the historical period of imperialism in order to describe its protagonist, Charlie Marlow, and his struggle. Marlow's catharsis in the novel, as he goes to the Congo, rests on how he visualizes the effects of imperialism. This paper will analyze Marlow's "change," as caused by his exposure to the imperialistic nature of the historical period in which he lived. Marlow is asked by "the company", the organization for whom he works, to travel to the Congo river and report back to them about Mr. Kurtz, a top notch officer of theirs. When he sets sail, he doesn't know what to expect. When his journey is completed, this little "trip" will have changed Marlow forever! Heart of Darkness is a story of one man's journey through the African Congo and the "enlightenment" of his soul. It begins with Charlie Marlow, along with a few of his comrades, cruising aboard the Nellie, a traditional sailboat. On the boat, Marlow begins to tell of his experiences in the Congo. Conrad uses Marlow to reveal all the personal thoughts and emotions that he wants to portray while Marlow goes on this "voyage of a lifetime". Marlow begins his voyage as an ordinary English sailor who is traveling to the African Congo on a "business trip". He is an Englishmen through and through. He's never been exposed to any alternative form of culture, similar to the one he will encounter in Africa, and he has no idea about the drastically different culture that exists out there. Throughout the book, Conrad, via Marlow's observations, reveals to the reader the naive mentality shared by every European. Marlow as well, shares this naivetà © in the beginning of his voyage. However, after his first few moments in the Congo, he realizes the ignorance he and all his comrades possess. We first recognize the general naivetà © of the Europeans when Marlow's aunt is seeing him for the last time before he embarks on his journey. Marlow's aunt is under the assumption that the voyage is a mission to "wean those ignorant millions from their horrid ways"(18-19). In reality, however, the Europeans are there in the name of imperialism and their sole objective is to earn a substantial profit by collecting all the ivory in Africa. Another manifestation of the Europeans obliviousness towards reality is seen when Marlow is recounting his adventure aboard the Nellie.

Against the Death Penalty Essay -- Papers Argumentative Capital Punish

Against the Death Penalty The death penalty is one of the most controversial issues in our time. There are many issues that show and prove the death penalty is wrong and reasons why it should be ceased. Many issues have objections towards the death penalty shows that the death penalty is unfair, irreversible and expensive. The Death penalty is an unfair system used as punishment to criminals that performed wrong and unmoral crimes. The death penalty is unfair in the way that is discriminatory towards color, and race. For example, in the trials of many court cases, a person who kills a white person is treated much more severely then one who kills a black person. Of the 313 criminals that have been executed between 1997 and 1995, 36 of those killed has been convicted of killing a black person while 249 of those killed has been convicted of killing a white person. From the 178 white people who have been executed, only 3 where convicted of murdering a person of color. This proves that our judicial system executes people regardless of their race who kill white people. These are not the only ones who are discriminated against, gender also determines who receives the death penalty. Between the 80's and early 90's, 1% of all those on death row were women even though women commit 15% of all criminal homicides. The death penalty is also discriminates against the poor. Even though all cases require the defendants to have a lawyer, 90 % of all those executed could not afford to hire a lawyer when they were tried. These stats show how unfair the death penalty really is towards the minorities, genders and of those of poor social class. A big down side to the death penalty would be the irreversibility of situation. Once the life ... ...why not just keep them in prison right? Well, if the congress could only se that and the judicial system would see that it is less economical maybe they too may agree that the death penalty is not the best choice for punishment. Many people are for the death penalty because they feel that they should suffer what they did to the victim. When in fact that the US system was not meant as a way of revenge towards the criminal. A better alternative would be to let the criminal be locked in jail with no parole, which would be less controversial than going forward with the execution. With all of these issues stated, it can be clearly seen that the death penalty is judgmental, unfair and expensive. There have been cases when innocent people have been executed or in other words murdered because some one made a mistake or there was not enough info to prove him innocent.

Enlightened by Toni Morrisons The Bluest Eye :: Bluest Eye Essays

Enlightened by Toni Morrison's The Bluest Eye Over the course of our study of the American novel, we have experienced a kaleidoscope of components that help define it. We traveled back in time to learn what kinds of novels were being written and how they were being written. We were introduced to the likes of Harold Frederic's Theron Ware, Henry James's Dr. Sloper and Catherine, and Nathaniel Hawthorne's Blithedale Romance. We saw, through these novels and characters, how literature of the past affects literature of today. We also read novels from various regions of North America. We had a glimpse of northern writers and their culture such as Alice Munro, and her stories of Canada. We sampled Willa Cather who gave us a taste of the early southwest through Father's Latour and Vaillant. We read about different religious ideals, from Theron's Methodism to Father Latour's Catholicism, to Hazel Mote's The Church of Christ without Christ, to Jonah's (futuristic) Bokononism; each religion, in its own way, reflecting a different aspect of American religious zeal. And we have heard from a number of southern writers like O'Connor, Faulkner, and Porter. We begin, through characters like Miranda and Anse, to glimpse a southern language and way of living. It seems only fitting now, that we be introduced to another element of the American novel: ethnic culture. The addition of Toni Morrison's The Bluest Eye is the perfect choice. Through the voices of her black characters, she reveals a broad spectrum of black culture during the 1930's and 1940's. We get a glimpse of the middle class through Claudia and her family, who maintain a sense of dignity and pride. In the first chapter, she tells us, "Being a minority in both caste and class, we moved about anyway on the hem of life, struggling to consolidate our weaknesses and hang on, or to creep singly up into the major folds of the garment" (17). We encounter the desperately poor through the Breedlove family, Cholly, Pauline, and Pecola, each choosing a different means to escape the harsh reality of their lives. For example, Pecola dreams of having blue eyes, then she would be accepted, loved, respected, and beautiful.

Outline and Evaluate the Strange Situations Essay

During the 1970’s, psychologist Mary Ainsworth further expanded upon Bowlby’s groundbreaking work in her now-famous â€Å"Strange Situation† study. The study involved observing children between the ages of 12 to 18 months responding to a situation in which they were briefly left alone and then reunited with their mother (Ainsworth, 1978). Based on these observations, Ainsworth concluded that there were three major styles of attachment: secure attachment, ambivalent-insecure attachment, and avoidant-insecure attachment. Researchers Main and Solomon (1986) added a fourth attachment style known as disorganized-insecure attachment. Numerous studies have supported Ainsworth’s conclusions and additional research has revealed that these early attachment styles can help predict behaviours later in life. Ainsworth and Wittig devised the strange situation to be able to test the nature of attachment systematically. The aim was to see how infants that were aged between 9 and 18 months behave under conditions of mild stress and also novelty. See more: essay apa format Stress is created in the strange situations by the presence of a stranger and by separation from a caregiver. This tests stranger anxiety and separation anxiety respectively. The strange situation also aims to encourage exploration by placing infants in a novel situation and thus tests the secure base concept. The research room is a novel environment, a 9 x 9 foot square marked off into 16 squares to help in recording the infant’s movements. The procedure consists of eight episodes, each designed to highlight certain behaviours. In the strange situation data is collected by a group of observers who record what the infant is doing every 15 seconds. The observer notes down which of the following behaviours is displaced and also scores the behaviour for intensity on a scale of 1 to 7. Ainsworth et al combined the data from several studies, to make a total of 106 middle – class infants observed in the strange situation. They found similarities and differences in the way that infants behaved. In terms of similarity it was noted that exploratory behaviours declined in all infants from episode 2 onwards, whereas the amount of crying increased. Proximity- seeking and contact maintaining behaviours intensified during separation and when the stranger appeared. Contact – resisting and proximity – avoiding behaviours occurred rarely towards the caregiver prior to separation. In terms of differences, they found three main types of children , originally called A, B and C to avoid any descriptive labels. The characteristic of the main attachments types , with respect to the strange situation are secure attachment, insecure – avoidant, insecure – resistant and the fourth attachment type proposed by Main and Solomon (1986) is called the insecure – disorganised. A criticism of this study is that there were demand characteristics present, this is when participants try to make sense of the research situation that they are in and therefore adjust their behaviour according to it. The demand characteristics present in the strange situation are that mothers would change their behaviour in order to appear as a good mother in front of the experimenter. This is a problem because it means that the results obtained aren’t based on natural behaviour by the participants thus affecting the conclusions gathered from the study. Another criticism of this study is that this was a lab experiment which means that the study has low ecological validity. This is because control can be exerted onto the participants by the experimenter resulting in the study lacking mundane realism. This is a problem because it means that the results cannot be generalised across other people. However there is also an advantage of a lab experiment which is that the experiment would be conducted under controlled conditions thus making the experiment more rigorous and reliable as external factors can be controlled. Since this study only used middle- class north Americans, this becomes a big disadvantage of this study. This is because it decreases the population validity which is the extent to which the results from this research can be generalized across other groups of people in society. This is a problem because it means that these results cannot be used against other people who are not middle-class north Americans thus decreasing the validity of these results. An advantage of this study is that it is very influential as it enables us to assess whether or not children are securely attached and how this attachment type relates to later behaviour. For example if a child is insecurely attached at childhood then later on at adulthood the child could have problem attaching to someone else eg. husband/child. This is a benefit as it enables us to determine which behaviour caused by parents at a child’s early age causes a child to become securely and insecurely attached thus preventing any dysfunctional behaviour in adulthood. A criticism of this study is that the child’s behaviour has to be observed by someone in order to decide what the child is doing. This decreases the reliability which is whether the results measured are consistent because there could be a difference of opinion. For example one person could say that the child is seeking and rejecting however another person may say that the child is only seeking. This is a problem as people can have different judgements therefore this study has low reliability as who can say which opinion is correct and which isn’t. It is too reliant for individual judgement.

Architectural Design of Religious Temples

Abstraction Over clip new innovations and finds have taken topographic point in conveying promotion to engineering. So the society, people, and their outlook gets adapted to the technological promotion. The things used by them acquire modified, so make their gustatory sensations. Similarly there is besides a immense alteration in the environment, architecture, the infinites they use, the type of nutrient they have, etc. Sing these alterations in the society, there is besides a immense alteration in the manner a TEMPLE ; a topographic point of worship is related to the society. Over centuries the temples’ map changed from a societal establishment to a topographic point of community assemblage, though there is no considerable alteration in its design. Is it due to imitation of the architectural signifier from one coevals to other? Does this piece of architecture Tells us about the society of this period as other pieces of architecture make? Make it still show the promotion in the engineering? Is it still run under high backing? This thesis attempts to consider upon these issues and to get on a solution on how a modern-day temple should look like. Introduction In Hinduism ‘TEMPLE’ ( mandir ) is a construction that houses the Gods ( Encyclopaedia ) . It was designed to be used as a focal point for all facets of life, viz. , spiritual, cultural, educational and societal. It helps a visitant to exceed from his universe so that he connects with the supreme authorization, the GOD. They are besides taken as topographic points of enlightenment and release. Hence the rules of planing temples were derived maintaining everything in head. Initially the temple did work the manner it was designed to be. A piece of architecture is said to reflect the clip and the type of society to which it belongs. There is a alteration in everything around us. We started populating and working in multi floor flats with glass frontages go forthing behind the huts and cottages. But a considerable alteration in temples is non witnessed. After the development of the temple typology, subsequently was merely imitation or embroidery. ‘In existent universe of architectural building, temples were built by imitation: one coevals copying the predecessor or one challenger designer, but ever with some minor alterations to maintain client involvement alive.’ ( Oijevaar, 2007 ) IMPORTANCE OF TEMPLE IN THE PAST A Temple was one time the most of import edifice in the society. It proved to be the godly power, the tallest edifice in the society. The male monarch paid backing to the building of it. It besides symbolised the power and profusion of the land. Hence, a immense land was allocated and a immense sum of money was commissioned in the building. Lot of Masons, applied scientists, sculpturers and laborers were engaged in its design and executing. The devising of a temple was a large carnival which continued over old ages depending on the hugeness of the temple. There are temples that were built over the reins of two to three dynasties. The devising of temple was besides a manner of employment in the land. DESIGN DERIVATION Temples marked the passage of the Vedic faith into Hinduism. The impression of symbolizing everything of import with a human figure and devising graven images to idolize them led to the outgrowth of a TEMPLE. Initially the typology was inspired from the Buddhist architecture. The first singular temple, the Durga Temple at Aiholi was said to be a chaitya hall with a peep on the top. The impression of ‘cave in a mountain’ was imitated by the designers of that period which led to the development of an interior sanctum or garbha griha, a topographic point where the graven image was placed. A pillared hall known as mandapa was designed in forepart of it so that people can stand and idolize. Hence the initial temple was merely a edifice made as a reproduction of a cave in a mountain with merely two suites viz. garbha griha for the graven image and a mandapa for other activities severally. These were square suites ( square taken as a sanctum form harmonizing to vastu shastra ) covered with a slab above so that the fans are non disturbed by any external elements. The illustrations of such temples are found in assorted topographic points around Karnataka ( Aihole ) which was taken as the topographic point of experimentation for temple architecture. After the development of the basic program type in Aihole, now the job emerged in giving it a proper form so that it becomes a brilliant piece of architecture so that it overpowers the society. Hence the demand of a ascendant characteristic in the edifice emerged which subsequently gave rise to a perpendicular shrine or shikara. In initial illustrations one can detect shikara merely on the garbha griha with a level roof on the mandapa but in class of clip the level roof on mandapa was besides replaced by a shikara ( smaller than that on the garbha griha ) . Slowly the priest started populating following to the temple, the school ( Veda patashala ) where younger male childs were taught Vedas besides became a map of the temple which led to the development of more figure of little suites around the temple. Besides the maps like amusement in footings of dance or/and music public presentations for God, the topographic point to feed people with the prasadam led to development of more figur e of mandapas. The temple with its mandapas, other little divinities ( by and large somehow related to the chief divinity ) , pundits’’ house, Veda patashala, temple armored combat vehicle, etc. came to be known as temple composite. Finally a immense wall was built around it to safeguard the topographic point allotted to temple with an entryway besides known as gopuram. Besides the temples were developed in a manner that it gives a ocular banquet to the visitant come ining it so that he enters into a different universe mentally. This is done by planing the insides of temple and adorning them with sculptures, pictures and letterings from assorted books like bagawadgita, Ramayana, etc. Though the development seemed to be really common all over the state, the facet of regionalism has played an of import function in the development of a temple’s design. Hence many differences have been noticed in the assorted temples of different parts. One known as the north Indian or the Nagara had a different attack of planing compared to the 1 of South Indian or the Dravidian. Still the indispensable characteristics of design viz. garbha griha, mandapa, shikara remain to be present in both the manners though they appeared otherwise. Footing: Vimana/ Prasada/ Shrine: ‘The shrine proper is termed asVimana( measured out ) in the southern context, the northern equivalent beingPrasada( castle ; literally place of the divinity ) ’ ( Hardy, 2007 ) . It contains a sanctum,garbha griha,normally square. While some early shrines seem to hold been level roofed, aNagaraorDravidashrine has a superstructure as an built-in portion. The inside of the ace construction is seldom accessible, and sometimes filled with solid and rubble. Shrines may be rectangular, apsidal, round or octangular. However thegarbha grihaby and large remains in square form, except for the rectangular shrines. Most of the programs are square or square generated giving importance to the four central waies. Generally square generated extraneous programs undergo maximal figure of projections and germinate towards a more marked cardinal accent. Garbha Griha: The interior sanctum is known asgarbha griha.Thegarbha grihais a little dark room in which the graven image is placed. Derived from the construct of ‘cave in a mountain’ .It is by and large square or derivative of square in form. Not accessible for general public, private infinite of God. Mandapa/Jagmohana: All the shrines have a porch which allows people or the god retainers to transport out their activities known asmandapa. Amandapamight be a closed one or an unfastened porch. The closedmandapasget light through the door ways. The figure of room accesss to themandapamay change from one to three. In add-on to it the thick walls ofmandapashold bright holes of rock traceries as Windowss for the visible radiation to perforate interior. Sometimes light pouches are besides given in the roof of the construction. The visible radiation entered here reflects from the floor and reaches the ceiling making a Godhead consequence inside the mandapa. Hence the ceilings are carved in most of the mandapas. Themandapaswere constructed in station and beam building merely copying the wooden architecture that existed before. The distance between the columns depended on the length of the rock which itself is dependent on the class and distance of the prey. Spans barely exceeded 2.5m. The initialmandapas( 6Thursday-7Thursdaycenturies ) had level roofs where a rock was laid out as a ceiling with a few carvings from indoors so as to make a sophisticated consequence. From 8Thursdaycentury onwards the mandapas started reflecting the shrine itself though in a relatively smaller graduated table. A cardinal bay started ruling the program which besides acts as the axis. ‘corbelled construction- the method of stepping horizontal classs increasingly frontward to cover a infinite, prevented from tumbling by the weight of masonry pressing down at the rear- developed well from the 10Thursdaycentury’ ( Hardy, 2007 ) . Pradakshina patha: The circumambulatory way one takes around the temple in a clockwise way is termed aspradakshina.Here the outside of the sanctum conveys the thought of an interior temple. For this particularly a way is built around the temple with rocks and this way is known aspradakshina patha.It is believed to be a frightened way. It is taken in clockwise way as suns way is clockwise. Natya mandapa: In ulterior clip there were a legion editions in a temple. The temple started developing more as a societal establishment ; therefore things like amusement besides became the portion of its rites. To go on these rites a different mandapa, by and large connected or a stand-alone construction in forepart of the jagmohana was built. This mandapa is known asnatya mandapa. There is a immense alteration in the manner thenatya mandapawas built when we compare fromlingarajtokonark. It has seen a immense development due to the addition of the undertaking size or backing. Bhog mandapa: Amandapawas besides designed in the later temples where people can sit and hold theprasadamof the temple. Basically they are pillared halls with attractively carved pillars where people sit and eat.Bhogsignificanceprasadamis how the name of it has been arrived. This is non normally found in big figure of temples. A characteristic nowadays in developedNagaratemples fromlingarajtopuri. It disappeared afterpuriinkonark. Gopuram: The entryway gateway of a temple is known asgopuram. It was ab initio a grade able construction, smaller than the shrine proper to tag the entryway to a temple. Over clip it evolved to be the most of import construction and hence its size increased. The tallest and the most brilliantgopuramsare seen inmeenakshitempleMadurai, where thegopuramexpressions like commanding the nature around.Gopuramsare by and large found inDravidiantemples. Coming toNagaratemples, agopuramwas found inmukteswar, but in farther development it merely disappeared. NAGARA: This typology is fundamentally defined to possess curvilineal steeples with square programs. After the experimentation of the basic design in Aihole, the farther development of this typology happened in Odisha near Bhubaneswar. Bhubaneswar became the experimentation land. The first noteworthy temple here is known asparasurameswar,a temple devoted for the GodShivabuilt in 7Thursdaycentury AD. ‘The temple has a level roofed rectangular pillared hall known asjagmohanaattached to atri-rathadeul( sanctum ) , which carried a chunky heavy- shoulderedshikara.The carvings are known for their appeal and inactive volume’ ( ASI ) . Following remark-able development is marked by the temple of mukteswara, built in 10Thursdaycentury AD with the debut of a gopuram and a boundary wall to the temple. Mukteswara is defines as ‘a dream realised in sandstone’ ( Ganguly, 1961 ) , ‘a treasure in Odishan architecture’ ( ASI ) . Elegantly decorated from top to bottom it is designed with a low heighted boundary wall and an entrywaytorana. This temple is known for its sculptural beauty and besides its archeological promotion. From the level roof over the Jagmohana it is developed into a pyramidic deul. This was achieved by little corbelling of the rocks, yet it was an achievement thought of the clip it was designed. The deul is pancha ratha on program and stands on a low platform. The peda deul ( pyramidic shikara ) has two latticed Windowss on north and South, where the outer most portion of the window depicts humourous scenes of a monkey’s life. The ceiling of jagmohana is intentionally carved in the signifier of a blown Nelumbo nucifera. The pillars of this temple are really much noteworthy. The debut of serpent pillars, alleviation figures and statuettes,gaja simhason pilasters was all new. Thetorana, known asmakara toranahas two crocodiles’ caputs both towards two different sides and their dress suits run intoing each other. The carvings of different goddess besides present on it. The cellar of the pillars back uping the arch, square in subdivision contains on each face a illumination temple flanked at the top bygaja simhas. The sixteen- sided shafts consist each of four blocks of rock of which the topmost has cringles of pearl strings hanging down from the oral cavities of row ofkritti mukhasabove. The following temple that marked a singular development is the temple of Raja- Rani. Though it went a small off in the development procedure, it still has its ain part in the development of Nagara typology. The full Shiva temples end with the name of ishwar ex. Parasurameswar, mukteswara, etc. there is a narrative behind the name of this temple. This temple was expected to be a pleasance resort for the male monarch and the queen as the graven image is losing but M.M.Ganguly justly rejects it by speaking about the absence of the stallss, out houses, etc. ‘ The name Raja-Rani has been derived from really all right grain xanthous sandstone known as Raja Rani in common parlance’ ( Ganguly, 1961 ) . Due to the missing of the divinity inside the temple, there are still confusions if the temple was dedicated to lord Shiva or Godhead Vishnu. ‘The subsequently milepost in development, the temple of Ananth Vasudev being a Vaishnavite temple and on the scrutiny ‘khura pristha’ or the upper pedestal carved as it is with the petals of Nelumbo nucifera it appears that the temple was meant for being dedicated to Vishnu’ ( Ganguly, 1961 ) . Hence there is no verification on the divinity of this temple. The torana that appeared in mukteswara was lost by the clip Raja Rani was made. There is non much difference in the program signifier. The deul is a pancha ratha program that stands on a certain pedestal. In line following is theVaishnavitetemple, the temple of Vishnu in the signifier of lord Krishna known asAnanth Vasudev. Here two newmandapashave seen to be emerged in the regular program signifier. By so the function of temple in a society has drastically increased. The more now became more of a societal establishment instead than merely a spiritual topographic point. Hence the maps like amusement, contribution, etc. have come into the temple premises increasing the graduated table of the temple and giving rise to thenatyaandBhog mandapas. All thesemandapaswere covered by a pyramidaldeul ( pida deul ), except for therekha deulon thegarbha griha.Rekha deulis tallest of all with diminishing tallness of eachdeulin order. In programLingarajtemple was really similar toAnanth Vasudevbut it is ashaivitetemple. The program signifier has evolved to the proper extent inAnanth Vasudevand as clip passed the hugeness of the temple increased.Lingarajis the most noteworthy temple all over Odisha. It stands a mid of a legion little shrines. LikeAnanth Vasudevit has a three Chamberss frontal portion consisting ofjagmohana,natya mandapaandBhog mandapa. There are clear groundss that the other threemandapasare ulterior add-on to the bing construction though there is a continuance of sculptures found. Switching from Bhubaneswar the following singular temple was built in puri normally known asJagannath mandir.For the first clip a temple was designed in the signifier of a chariot. Chariot being the vehicle of God, the temples besides have taken the signifier of a chariot. This temple has a garbha griha, jagmohana, natya and Bhog mandapas placed on a ratha. The ratha was fundamentally a raised platform with wheels carved on it. The graduated table of the temple was immense compared to Lingaraj, though the program signifier remained the same. A composite was designed for it with boundary walls and a proper entryway manner was provided. Inside the complex were legion little shrines dedicated to different Gods along with the chief shrine. Konark temple defined as the ‘black pagoda’ ( Behra, 2007 ) is situated in Konark, a topographic point near Bhubaneswar. The graduated table of the temple is really immense compared to the remainder of the edifices of that epoch. It is considered as one of the best in footings of technological promotion of that clip. Coming to the program signifier, this temples’ signifier is a small different compared to the Jagannath mandir, though it is besides designed to be a chariot. A chariot of the Sun God which had 12 braces of wheels carved out on its pedestal. Over the chariot are the garbha griha and the jagmohana. A natya mandapa remains to be a standalone construction in the composite. The complex contains other smaller shrines along with the chief shrine. All these temples represented the clip in which they were built. They represented the society, the profusion of the land, and the technological promotion of that clip which is non precisely what the temples of day-to twenty-four hours represent. Further I would wish to travel through the development in Dravidian typology, refer to the designing of temples today and there relation with society and engineering and would wish to stop with the parametric quantities required in planing a modern-day temple. Mentions Online lexicon ( hypertext transfer protocol: //www.thefreedictionary.com/Temple ) Oijevaar K.J, September 2007, The South Indian Hindu temple constructing design system on the architecture of shilpa shastra and the Dravidian manner, Delft University of engineering, Netherlands, pg.4 Karuna Sagar Behra, 1993, Temples of Orissa, Orissa sahitya academy Krishna Chandra Panigrahi, 1961, Archaeological remains at Bhubaneswar, Kitab Mahal, pg.87-101 Adam Hardy, 2007, The temple architecture of India, John Willey and Sons ltd. Britain, pg.90-105 Karuna Sagar Behra, 2005, Konark – The Black Pagoda, Publications Division, Ministry of Information & A ; Broadcasting, Government of India

Project Proposal for Ministry of Trade Web Portal

COMPUTER SCIENCE DEPARTMENT PROJECT PROPOSAL FOR MINISTRY OF TRADE WEB PORTAL PRESENTED BY: RAHAB WAMBUI KIARIE REG NO: SP13/20526/08 COURSE CODE: COMP 402 PRESENTED TO: MR. OMWOYO SUBMISSION TIME: OCTOBER 2011 A project proposal submitted in partial fulfillment of the degree of Bachelor of Science in Computer Science of Egerton University. Table of Contents ABSTRACT3 CHAPTER ONE: 1. 0 INTRODUCTION4 1. 1 PROBLEM STATEMENT4 1. 2 OBJECTIVES5 CHAPTER TWO: 2. 0 LITERATURE REVIEW5 2. SCOPE OF THE SYSTEM6 STARNDARD REQUIREMENT6 3. 0 SYSTEM REQUIREMENT6 3. 1) HARDWARE REQUIREMENTS6 3. 1. 1) APPLICATION PROGRAM6 3. 1. 2 Operating System6 CHAPTER FOUR: 4. 0 DEVELOPMENT PROCESS7 4. 1 PROJECT SCHEDULE AND BUDJET8 4. 1. 1 PROJECT SCHEDULE8 4. 1. 2 PROJECT BUDGET9 4. 1. 3 REFERENCES10 ? ABSTRACT As envisaged in Kenya’s vision 2030, trade will be one of the key sectors to drive economic development of our country. The sector is the link between consumption and production within the economy and contributes towards the employment and wealth creation.There are tremendous potentials for trade to play a central role in driving and sustaining growth and poverty reduction in Kenya. The Micro, Small, and Medium Enterprises (MSMEs), cuts across all sectors of the Kenyan economy but face various development challenges like overreliance on agriculture which mainly depends on unpredictable weather, underdevelopment of Information, Communication and Technology and lack of market information of local goods both locally and internationally.This project will provide a solution to investors and MSMEs by providing information on the various investment opportunities available in Kenya apart from agriculture, know about the various trade policies to avoid unfair trade and also provide a platform where local companies can upload their company profiles and the ministry promotes their products at trade fairs at an international level. CHAPTER ONE: 1. 0 INTRODUCTIONThe Ministry of Trade†™s current mandate is: Trade development policy; Development of micro and small business; Fair trade practices and consumer protection; Private sector development and international trade affairs. The ministry will champion the promotion of both domestic and foreign trade through creation of an enabling business and investment environment as highlighted in this project proposal. The purpose of this proposal is to explain in detail the aim of the project, the methods used in the implementation of the system, scope of the system and budget and time schedule for the implementation of the project.It begins with the introduction which introduces the system to be developed. The next part is the problem statement, the literature review, the scope of the system and the requirements for the system. In the scope of the system we have the system functionalities and its limitations. Since the system is to be developed within a located time frame and budget constraint, it is imperative that the proposal also contains the budget and time schedule. This explains the time schedule for the system and also the budget for the system. . 1 PROBLEM STATEMENT Kenya trade industry faces a number of challenges: unsound business regulatory framework leading to multiple licensing and heavy or cumbersome regulations for SMEs which in turn leads to high cost of business transactions; Lack of comprehensive trade information on the existing and emerging markets to investors and SMEs. Lack of sound business managerial skills and exposure to international best business practices has hampered the growth of the MSE sector.To overcome the problem a system needs to be developed with the springboard objective of providing Kenyans with a centralized location where they can get trade information and thus lead to economic growth and realization of vision 2030. 1. 2 OBJECTIVES 1. To develop a successful Ministry of Trade web portal 2. To identify conditions for successful implementation of a new impr oved system. 3. To enhance access of trade information to Kenyans. CHAPTER TWO: 2. 0 LITERATURE REVIEWHaving collected information on the ministry of trade I was able to define the main drawbacks associated with the services of the industry. Information sharing between the ministry and the business people is not easy. Enormous opportunities exist in the domestic, regional and international markets. These opportunities should be fully exploited through the systematic promotion of Micro, Small, and Medium Enterprises (MSMEs) and providing information to them.It is crucial to note that as trade becomes free and global, technological innovations will become increasingly important, offering consumers more and more options at cheaper prices in the country and all over the globe. With this system in place all the requests for trade information, will be available to recipients at any given time. Therefore potential users’ are:- oInvestors both local and international. oConsumers. oOt her ministries in the government that work closely with ministry of trade. oOwners of small and medium sized businesses. 2. SCOPE OF THE SYSTEM The web portal will aid in the availing all the details of the trade industry. It will, as its name suggests, be place where the ministry can interact with the general public on matters pertaining its mode of operation. There are several issues about the system’s scope. STARNDARD REQUIREMENT The requirements include the following: 1. Computers 3. 0 SYSTEM REQUIREMENT 3. 1) Hardware requirements ?Processor – Pentium IV with 2. 0 GHz or higher ?Memory – 1GB of RAM or more ?Hard Disk size – 320 GB for host, 20 GB for client 3. 1. ) Application program Programming: PHP and JavaScript, Database design: MySQL, Interface: Macromedia Dream weaver, Macromedia fireworks, Macromedia Flash, Web browsers: Mozilla Firefox, Internet explorer, Web server: Apache, System: Linux and Windows. 3. 1. 2 Operating System ?Windows XP (32 -bit), Vista(32 – 64-bit), or Windows 7 (32 – 64-bit) ? Linux CHAPTER FOUR: 4. 0 DEVELOPMENT PROCESS The program development process will involve a number of steps as shown in the flow diagram below: 4. 1 PROJECT SCHEDULE AND BUDJET 4. 1. 1 Project scheduleMinistry of Trade web portal is a large project that can be accomplished in a period of six months which equates to two semesters. The initial loading of the system with data takes place at the commissioning of the system. A complete schedule is as below. Period/TimeActivityDescription November 2011 Acquisition of use ¬ful Resources. This involves collecting the useful facts from the ministry of Trade November 2011Databases Design Building individual databases, tables and individual record sets and loading with sample test data. December 2011 o January 2012Defining Record setsInvolves defining relations of data within various databases and means of accessing them February 2012Creating a Graphi ¬cal User Interface Involves creating user inter ¬face that users of the system will use to search for information March 2012TestingInvolves testing the system with sample data and correcting any anomalies especially in the database design if any. April 2012Loading DatabasesInvolves clearing databases with test data and loading with actual data. May 2012Commissioning the System This involves deployment of the system, hosting it so that it can be accessed by anybody.Table 1) Project schedule 4. 1. 2 PROJECT BUDGET PARTICULARSQUANTITYUNIT PRICE (Kshs)TOTAL COST(Kshs) 1Transport 5000 2Storage devices flash drive, CDs2 GB Flash Drive 2 Compact Disks 1,000 252,000 50 3Printing expenses1000 4Stationery2 A4 Books 2 pens 100 25200 50 5Computer Machine and softwareAvailable but limited 6Internet costs 2000 7Airtime6000 TOTALKshs 16,300 Table 2) project budget 4. 1. 3 REFERENCES ?Ministry of Trade Strategic Plan 2008-2012. ?Hawryszkiewycz, I. (1998), Introduction to System Analysis and Design, Prentice Hall, A ustralia.

Importance of Agriculture in Economy Essay

The direct contribution of the agriculture sector to national economy is reflected by its share in total GDP, its foreign exchange earnings, and its role in supplying savings and labor to other sectors. Agriculture and allied sectors like forestry and fishing accounted for 18.5 percent of total Indian Gross Domestic Product (GDP) in 2005-06 (at 1999-2000 constant prices) and employed about 58 percent of the country’s workforce (CSO, 2007). It accounted for 10.95 percent of India’s exports in 2005-06 (GoI, 2007) and about 46 percent of India’s geographical area is used for agricultural activity. There has been a structural transformation in the Indian economy during the past few decades. The composition of Gross Domestic Product at 1993-94 constant prices reveals that the share of agriculture including forestry and fishing has declined as growth in industrial and services sectors far outpaced agricultural sector (Figure 1). The share of mining, manufacturing, electricity and construction sector has increased from 21.6 percent in 1970-71 to 27 percent in 2004-05 and services sector has increased significantly from 32 percent to 52.4 percent during the same period. Despite a steady decline of its share in the GDP, agriculture is still an important sector and plays a significant role in the overall socio-economic development of the country. Therefore, fostering rapid, sustained and broad-based growth in agriculture remains key priority for the government. Consistent with the trends of economic development at national level, role of agricultural sector in the state economies is also changing rapidly. The share of agriculture in Gross State Domestic Product (GSDP) has declined significantly during the last two decades. In some States, such as Bihar, Punjab, Uttar Pradesh, Haryana, Rajasthan, and Orissa, the sector today contributes more than one-quarter of GSDP, while in some states, such as Gujarat, Kerala, Karnataka, Tamil Nadu and Maharashtra, the sector contributes less than 20 percent to GSDP (Figure 2). However, contribution of agriculture to GSDP has declined in almost all States between 1993-94 and 2004-05. The decline was the highest in Karnataka (16%), followed by Haryana (14.2%), and Kerala (13.7%). In Karnataka, decline was mainly due to significant increase in the share of service sector (from 37.9% in 1993-94 to 54.7% in 2004-05) mainly driven by informational technology (IT) industry. Similar is the case with Haryana the decline is due to faster development of services sector in cities around the national capital, Delhi. Despite declining share of agriculture in the economy, majority of workforce continue to depend on agricultural sector for employment and in rural areas dependence on agriculture is more as nearly 75 percent of rural population is employed in agricultural sector. However, there is disguised employment in the sector due to limited opportunities for rural non-farm employment. This disguised employment leads to lower labor and resources productivity in the sector relative to other sectors of the economy. The low labor productivity leads to higher rates of poverty in rural areas (Figure 3). Agriculture in India is constitutionally the responsibility of the states rather than the central government. The central government’s role is in formulating policy and providing financial resources for agriculture to the states. Agriculture finance Meaning: Agricultural finance generally means studying, examining and analyzing the financial aspects pertaining to farm business, which is the core sector of India. The financial aspects include money matters relating to production of agricultural products and their disposal. Definition of Agricultural finance: Murray (1953) defined agricultural. finance as â€Å"an economic study of borrowing funds by farmers, the organization and operation of farm lending agencies and of society’s interest in credit for agriculture .† Tandon and Dhondyal (1962) defined agricultural. finance â€Å"as a branch of agricultural economics, which deals with and financial resources related to individual farm units.† What is Agriculture Finance â€Å"Agricultural finance is the study of financing and liquidity services credit provides to farm borrowers. It is also considered as the study of those financial intermediaries who provide loan funds to agriculture and the financial markets in which these intermediaries obtain their loanable funds.† John B. Penson, Jr. and David A. Lins (1980) Why Agriculture Finance India is mainly an agricultural country. Agriculture accounts for approximately 33 percent of India’s GDP and employs nearly 62 percent of the population. It accounts for 8.56 % of India’s exports. About 43 % of India’s geographical area is used for agricultural activity. Agricultural production in this country depends upon millions of small farmers. It is intensity of their effort and the efficiency of their technique that will help in raising yields per acre. Finance in agriculture is as important as development of technologies. Technical inputs can be purchased and used by farmer only if he has money (funds). But his own money is always inadequate and he needs outside finance or credit. Because of inadequate financial resources and absence of timely credit facilities at reasonable rates, many of the farmers, even though otherwise willing, are unable to go in for improved seeds and manures or to introduce better methods or techniques. The farming community must be kept informed about the various sources of agriculture finance. Agricultural finance possesses its usefulness to the farmers, lenders and extension workers. The knowledge of lending institutions, their legal and regulatory environment helps in selecting the appropriate lender who can adequately provide the credit with terms and related services needed to finance the farm business. Nature and Scope: Agricultural finance can be dealt at both micro level and macro level. Macrofinance deals with different sources of raising funds for agriculture as a whole in the economy. It is also concerned with the lending procedure, rules, regulations, monitoring and controlling of different agricultural credit institutions. Hence macro-finance is related to financing of agriculture at aggregate level. Micro-finance refers to financial management of the individual farm business units. And it is concerned with the study as to how the individual farmer considers various sources of credit, quantum of credit to be borrowed from each source and how he allocates the same among the alternative uses with in the farm. It is also concerned with the future use of funds. Therefore, macro-finance deals with the aspects relating to total credit needs of the agricultural sector, the terms and conditions under which the credit is available and the method of use of total credit for the development of agriculture, while micro-finance refers to the financial management of individual farm business. Significance of Agricultural Finance: 1) Agril finance assumes vital and significant importance in the agro – socio – economic development of the country both at macro and micro level. 2) It is playing a catalytic role in strengthening the farm business and augmenting the productivity of scarce resources. When newly developed potential seeds are combined with purchased inputs like fertilizers & plant protection chemicals in appropriate / requisite proportions will result in higher productivity. 3) Use of new technological inputs purchased through farm finance helps to increase the agricultural productivity. 4) Accretion to in farm assets and farm supporting infrastructure provided by large scale financial investment activities results in increased farm income levels leading to increased standard of living of rural masses. 5) Farm finance can also reduce the regional economic imbalances and is equally good at reducing the inter–farm asset and wealth variations. 6) Farm finance is like a lever with both forward and backward linkages to the economic development at micro and macro level. 7) As Indian agriculture is still traditional and subsistence in nature, agricultural finance is needed to create the supporting infrastructure for adoption of new technology.   8) Massive investment is needed to carry out major and minor irrigation projects, rural electrification, installation of fertilizer and pesticide plants, execution of agricultural promotional programmes and poverty alleviation programmes in the country .LECTURE -2 Credit needs in A Credit needs in Agriculture – meaning and definition of credit-classification of credit based on time, purpose, security, lender and borrower. _____________________________________________________________________ The word â€Å"credit† comes from the Latin word â€Å"Credo† which means â€Å"I believe†. Hence credit is based up on belief, confidence, trust and faith. Credit is other wise called as loan. Definition: Credit / loan is certain amount of money provided for certain purpose on certain conditions with some interest, which can be repaid sooner (or) later. According to Professor Galbraith credit is the â€Å"temporary transfer of asset from one who has to other who has not† Credit needs in Agriculture: Agricultural credit is one of the most crucial inputs in all agricultural development programmes. For a long time, the major source of agricultural credit was private moneylenders. But this source of credit was inadequate, highly expensive and exploitative. To curtail this, a multi-agency approach consisting of cooperatives, commercial banks ands regional rural banks credit has been adopted to provide cheaper, timely and adequate credit to farmers. The financial requirements of the Indian farmers are for, 1. Buying agricultural inputs like seeds, fertilizers, plant protection chemicals, feed and fodder for cattle etc. 2. Supporting their families in those years when the crops have not been good. 3. Buying additional land, to make improvements on the existing land, to clear old debt and purchase costly agricultural machinery. 4. Increasing the farm efficiency as against limiting resources i.e. hiring of irrigation water lifting devices, labor and machinery Credit can be classified on the basis of time, purpose, security, lender and borrower. (i)Time classification:- It classifies credit into three groups, i.e. short, medium and long term. (a) Short-Term (for periods up to 15 months): The â€Å"short-term loans† are generally advanced for meeting annual recurring purchases such as, seed, feed, fertilizers, hired labour expenses, pesticides, weedicides, hired machinery charges, etc., and termed as seasonal loans/crop loans/production loans. These are expected to be repaid after the harvest. It is expected that the loan plus interest would be repaid from the income received through the enterprise in which it was invested. The time limit to repay such loans is a year or at the most 18 months. (b) Medium-Term (from 15 months up to 5 years): â€Å"Medium-term loans† are advanced for comparatively longer lived assets such as machinery, diesel engine, wells, irrigation structure, threshers, shelters, crushers, draught and milch animals, dairy/poultry sheds, etc., where the returns accruing from increase in farm assets in spread over more than one production period. The usual repayment period for such type of loan is from fifteen months to five years. (c) Long-Term (above 5 Years): Loans repayable over a longer period (i.e. above 5 years) are classified as long-term loans. â€Å"Long-term loans† are related to the long lifed assets such as heavy machinery, land and its reclamation, errection of farm buildings, construction of permanent-drainage or irrigation system, etc. which require large sums of money for initial investment. The benefits generated through such assets are spread over the entire life of the asset. The normal repayment period for such loans range s from five to fifteen or even upto 20 years. (ii) Purpose classification:- Credit is also classified based on purpose of loans e.g. crop loan, poultry/dairy/piggery loan, irrigation loan, machinery and equipment loan, forestry loan, fishery loan etc. These loans signify the close relationship between time and use as well as rate of return (or profitability). Some times loans are also classified as production and consumption loans due to the fact that production loans are diverted for consumption purposes by the weaker sections. So, the banks have also started financing for consumption purposes (exclusively for home consumption expenditures) besides financing for the production purposes. The consumption loans are also to be repaid from the sale proceeds of the crop. (iii) Security classification:- Security offered/obtained provides another basis for classifying the loans. The secured loans are advanced as against the security of some tangible personal property such as land, livestock and other capital assets, i.e., medium and long term loans. The borrower’s credit worthiness may act much more than the security offered, which if doubtful may result willful default. Moreover, the secured loans are further classified on the basis of type of security e.g. mortgage loans, where legal mortgage of some property such as land is offered to the lender, i.e., loans for intangible property such as land improvement, irrigation infrastructures, etc. and hypothecated loans, where legal ownership of the asset financed remains with the lender though physical possession with the borrowers i.e. loans for tangible property such as tractor, machinery and equipments. The private money lenders, usually possess items such as gold ornaments / jewellery or land as security, which reminds the borrower about his obligations of loan repayments. On the contrary, unsecured loans are generally advanced without offering any security e.g. short-term crop loans. (iv) Lender classification:- Credit is also classified on the basis of lender such as (a) Institutional Credit e.g. co-operative loans, commercial bank loans and government loans; (b) Non-Institutional Credit e.g. professional and agricultural money lenders, traders and commission agents, relatives and friends etc. (v) Borrower classification:- The credit is also classified on the basis of type of borrowers (i.e., production or business activity as well as size of business) such as crop farmers, dairy farmers, poultry farmers, fisherman, rural artisans etc. or agricultural labourers, marginal/small/medium/large farmers, hill farmers or tribal farmers etc. Such classification has equity considerations. credit is broadly classified based on various criteria: 1. Based on time: This classification is based on the repayment period of the loan. It is sub-divided in to 3 types Short–term loans: These loans are to be repaid within a period of 6 to 18 months. All crop loans are said to be short–term loans, but the length of the repayment period varies according to the duration of crop. The farmers require this type of credit to meet the expenses of the ongoing agricultural operations on the farm like sowing, fertilizer application, plant protection measures, payment of wages to casual labourers etc. The borrower is supposed to repay the loan from the sale proceeds of the crops raised. Medium – term loans: Here the repayment period varies from 18 months to 5 years. These loans are required by the farmers for bringing about some improvements on his farm by way of purchasing implements, electric motors, milch cattle, sheep and goat, etc. The relatively longer period of repayment of these loans is due to their partially-liquidating nature. Long – term loans: These loans fall due for repayment over a long time ranging from 5 years to more than 20 years or even more. These loans together with medium terms loans are called investment loans or term loans. These loans are meant for permanent improvements like levelling and reclamation of land, construction of farm buildings, purchase of tractors, raising of orchards ,etc. Since these activities require large capital, a longer period is required to repay these loans due to their non – liquidating nature. 2. Based on Purpose: Based on purpose, credit is sub-divided in to 4 types.   Production loans: These loans refer to the credit given to the farmers for crop production and are intended to increase the production of crops. They are also called as seasonal agricultural operations (SAO) loans or short – term loans or crop loans. These loans are repayable with in a period ranging from 6 to 18 months in lumpsum .Investment loans: These are loans given for purchase of equipment the productivity of which is distributed over more than one year. Loans given for tractors, pumpsets, tube wells, etc. Marketing loans: These loans are meant to help the farmers in overcoming the distress sales and to market the produce in a better way. Regulated markets and commercial banks, based on the warehouse receipt are lending in the form of marketing loans by advancing 75 per cent of the value of the produce. These loans help the farmers to clear off their debts and dispose the produce at remunerative prices. Consumption loans: Any loan advanced for some purpose other than production is broadly categorized as consumption loan. These loans seem to be unproductive but indirectly assist in more productive use of the crop loans i.e. with out diverting then to other purposes. Consumption loans are not very widely advanced and restricted to the areas which are hit by natural calamities. These loams are extended based on group guarantee basis with a maximum of three members. The loan is to be repaid with in 5 crop seasons or 2.5 years whichever is less. The branch manager is vested with the discretionary power of sanctioning these loans up to Rs. 5000 in each individual case. The rate of interest is around 11 per cent. The scheme may be extended to 1) IRDP beneficiaries 2) Small and marginal farmers 3) Landless Agril. Laborers 4) Rural artisans 5) Other people with very small means of livelihood hood such as carpenters, barbers, washermen, etc. 3. Based on security: The loan transactions between lender and borrower are governed by confidence and this assumption is confined to private lending to some extent, but the institutional financial agencies do have their own procedural formalities on credit transactions. Therefore it is essential to classify the loans under this category into two sub-categories viz., secured and unsecured loans. Secured loans: Loans advanced against some security by the borrower are termed as secured loans. Various forms of securities are offered in obtaining the loans and they are of following types. I. Personal security: Under this, borrower himself stands as the guarantor. Loan is advanced on the farmer’s promissory note. Third party guarantee may or may not be insisted upon (i.e. based on the understanding between the lender and the borrower) II. Collateral Security: Here the property is pledged to secure a loan. The movable properties of the individuals like LIC bonds, fixed deposit bonds, warehouse receipts, machinery, livestock etc, are offered as security. III. Chattel loans: Here credit is obtained from pawn-brokers by pledging movable properties such as jewellery, utensils made of various metals, etc. IV. Mortgage: As against to collateral security, immovable properties are presented for security purpose For example, land, farm buildings, etc. The person who is creating the charge of mortgage is called mortgagor (borrower) and the person in whose favour it is created is known as the mortgagee (banker). Mortgages are of two types a) Simple mortgage: When the mortgaged property is ancestrally inherited property of borrower then simple mortgage holds good. Here, the farmer borrower has to register his property in the name of the banking institution as a security for the loan he obtains. The registration charges are to be borne by the borrower. b) Equitable mortgage: When the mortgaged property is self-acquired property of the borrower, then equitable mortgage is applicable. In this no such registration is required, because the ownership rights are clearly specified in the title deeds in the name of farmer-borrower. V. Hypothecated loans: Borrower has ownership right on his movable and the banker has legal right to take a possession of property to sale on default (or) a right to sue the owner to bring the property to sale and for realization of the amount due. The person who creates the charge of hypothecation is called as hypothecator (borrower) and the person in whose favor it is created is known as hypothecate (bank) and the property, which is denoted as hypothecated property. This happens in the case of tractor loans, machinery loans etc. Under such loans the borrower will not have any right to sell the equipment until the loan is cleared off. The borrower is allowed to use the purchased machinery or equipment so as to enable him pay the loan installment regularly. Hypothecated loans again are of two types viz., key loans and open loans. a) Key loans : The agricultural produce of the farmer – borrower will be kept under the control of lending institutions and the loan is advanced to the farmer . This helps the farmer from not resorting to distress sales. b) Open loans: Here only the physical possession of the purchased machinery rests with the borrower, but the legal ownership remains with the lending institution till the loan is repaid. Unsecured loans: Just based on the confidence between the borrower and lender, the loan transactions take place. No security is kept against the loan amount 4. Lender’s classification: Credit is also classified on the basis of lender such as Institutional credit: Here are loans are advanced by the institutional agencies like co-operatives, commercial banks. Ex: Co-operative loans and commercial bank loans. Non-institutional credit : Here the individual persons will lend the loans Ex: Loans given by professional and agricultural money lenders, traders, commission agents, relatives, friends, etc. 5. Borrower’s classification: The credit is also classified on the basis of type of borrower. This classification has equity considerations. Based on the business activity like farmers, dairy farmers, poultry farmers, pisiculture farmers, rural artisans etc. Based on size of the farm: agricultural labourers, marginal farmers, small farmers , medium farmers , large farmers , Based on location hill farmers (or) tribal farmers. 6. Based on liquidity: The credit can be classified into two types based on liquidity and they are Self-liquidating loans: They generate income immediately and are to be paid with in one year or after the completion of one crop season. Ex: crop loans. ï‚ · Partially -liquidating: They will take some time to generate income and can be repaid in 2-5 years or more, based on the economic activity for which the loan was taken. Ex: Dairy loans, tractor loans, orchard loans etc., 7. Based on approach: Individual approach: Loans advanced to individuals for different purposes will fall under this category Area based approach: Loans given to the persons falling under given area for specific purpose will be categorized under this. Ex: Drought Prone Area Programme (DPAP) loans, etc Differential Interest Rate (DIR) approach: Under this approach loans will be given to the weaker sections @ 4 per cent per annum. 8. Based on contact: Direct Loans: Loans extended to the farmers directly are called direct loans. Ex: Crop loans. Indirect loans: Loans given to the agro-based firms like fertilizer and pesticide industries, which are indirectly beneficial to the farmers aSource of Agricultural Credit are called iidirct loans. The sources of agricultural finance are broadly classified into two categories: (A) Noninstitutional Credit Agencies or informal sources, and (B) Institutional Credit Agencies or Formal Sources. A. Non-institutional Credit Agencies i) Traders and Commission Agents: Traders and commission agents advance loans to agriculturists for productive purposes against their crop without completing legal formalities. It often becomes obligatory for farmers to buy inputs and sell output through them. They charge a very heavy rate of interest on the loan and a commission on all the sales and purchases, making it exploitative in nature. ii) Landlords: Mostly small farmers and tenants depend on landlords for meeting their production and day to day financial requirements. iii) Money lenders: Despite rapid development in rural branches of different institutional credit agencies, village money lenders still dominate the scene. Money lenders are of two types- agriculturist money lenders who combine their money lending job with farming and professional money lenders whose sole job is money lending. A number of reasons have been attributed for the popularity of moneylenders such as: (a) they meet demand for productive as well as unproductive requirement; (b) they are easily approachable at odd hours; and (c) they require very low paper work and advances are given against promissory notes or land. Money lenders charge a very high rate of interest as they take advantage of the urgency of the situation. Over the years a need for regulation of money lending has been felt. But lack of institutional credit access to certain sections and areas had facilitated unhindered operation of money lending. B. Institutional Credit Agencies The evolution of institutional credit to agriculture could be broadly classified into four distinct phases – 1904-1969 (predominance of co-operatives and setting up of RBI), 1969-1975 [nationalisation of commercial banks and setting up of Regional Rural Banks (RRBs)], 1975-1990 (setting up of NABARD) and from 1991 onwards (financial sector reforms). Institutional funding of the farm sector is mainly by commercial banks, regional rural banks and co-operative banks. Share of commercial banks in total institutional credit to agriculture is almost 48 percent followed by cooperative banks with a share of 46 per cent. Regional Rural Banks account for just about 6 per cent of total credit disbursement. i) Government: These are both short term as well as long-term loans. These loans are popularly known as â€Å"Taccavi loans† which are generally advanced in times of natural calamities. The rate of interest is low. But it is not a major source of agricultural finance. ii) Cooperative Credit Societies: The history of cooperative movement in India dates back to 1904 when first Cooperative Credit Societies Act was passed by the Government. The scope of the Act was restricted to establishment of primary credit societies and non-credit societies were left out of its purview. The shortcomings of the Act were rectified through passing another Act called Cooperative Societies Act 1912. The Act gave provision for registration of all types of Cooperative Societies. This made the emergence of rural cooperatives both in the credit and noncredit areas, though with uneven spatial growth. In subsequent years a number of Committees were appointed and recommendations implemented to improve the functioning of the cooperatives. Soon after the independence, the Government of India following the recommendations of All India Rural Credit Survey Committee (1951) felt that cooperatives were the only alternative to promote agricultural credit and development of rural areas. Accordingly, cooperatives received substantial help in the provision of credit from Reserve Bank of India as a part of loan policy and large scale assistance from Central and State Governments for their development and strengthening. Many schemes involving subsidies and concessions for the weaker sections were routed through cooperatives. As a result cooperative institutions registered a remarkable growth in the post-independence India. iii) Commercial Banks: Previously commercial banks (CBs) were confined only to urban areas serving mainly to trade, commerce and industry. Their role in rural credit was meagre i.e., 0.9 per cent in 1951- 52 and 0.7 per cent in 1961-61. The insignificant participation of CBs in rural lending was explained by the risky nature of agriculture due to its heavy dependence on monsoon, unorganized nature and subsistence approach. A major change took place in the form of nationalisation of CBs in 1969 and CBs were made to play an active role in agricultural credit. At present, they are the largest source of institutional credit to agriculture. iv) Regional Rural Banks (RRBs): RRBs were set up in those regions where availability of institutional credit was found to be inadequate but potential for agricultural development was very high. However, the main thrust of the RRBs is to provide loans to small and marginal farmers, landless labourers and village artisans. These loans are advanced for productive purposes. At present 196 RRBs are functioning in the country lending around Rs 9,000 crore to rural people, particularly to weaker sections. v) Microfinancing: Microfinancing through Self Help Groups (SHG) has assumed prominence in recent years. SHG is group of rural poor who volunteer to organise themselves into a group for eradication of poverty of the members. They agree to save regularly and convert their savings into a common fund known as the Group corpus. The members of the group agree to use this common fund and such other funds that they may receive as a group through a common management. Generally, a self-help group consists of 10 to 20 persons. However, in difficult areas like deserts, hills and areas with scattered and sparse population and in case of minor irrigation and disabled persons, this number may range from 5-20. As soon as the SHG is formed and a couple of group meetings are held, an SHG can open a Savings Bank account with the nearest Commercial or Regional Rural Bank or a Cooperative Bank. This is essential to keep the thrift and other earnings of the SHG safely and also to improve the transparency levels of SHG’s transactions. Opening of SB account, in fact, is the beginning of a relationship between the bank and the SHG. The Reserve Bank of India has issued instructions to all banks permitting them to open SB accounts in the name of registered or unregistered SHGs. Genesis and Historical Background The Committee to Review Arrangements for Institutional Credit for Agriculture and Rural Development (CRAFICARD) set up by the RBI under the Chairmanship of Shri B Sivaraman in its report submitted to Governor, Reserve Bank of India on November 28, 1979 recommended the establishment of NABARD. The Parliament through the Act 61 of 81, approved its setting up. The Committee after reviewing the arrangements came to the conclusion that a new arrangement would be necessary at the national level for achieving the desired focus and thrust towards integration of credit activities in the context of the strategy for Integrated Rural Development. Against the backdrop of the massive credit needs of rural development and the need to uplift the weaker sections in the rural areas within a given time horizon the arrangement called for a separate institutional set-up. Similarly. The Reserve Bank had onerous responsibilities to discharge in respect of its many basic functions of central banking in monetary and credit regulations and was not therefore in a position to devote undivided attention to the operational details of the emerging complex credit problems. Thispaved the way for the establishment of NABARD. CRAFICARD also found it prudent to integrate short term, medium term and long-term credit structure for the agriculture sector by establishing a new bank. NABARD is the result of this recommendation. It was set up with an initial capital of Rs 100 crore, which was enhanced to Rs 2,000 crore, fully subscribed Role and Functions †¢ NABARD is an apex institution accredited with all matters concerning policy, planning and operations in the field of credit for agriculture and other economic activities in rural areas. †¢ It is an apex refinancing agency for the institutions providing investment and production credit for promoting the various developmental activities in rural areas †¢ It takes measures towards institution building for improving absorptive capacity of the credit delivery system, including monitoring, formulation of rehabilitation schemes, restructuring of credit institutions, training of personnel, etc. †¢ It co-ordinates the rural financing activities of all the institutions engaged in developmental work at the field level and maintains liaison with Government of India, State Governments, Reserve Bank of India and other national level institutions concerned with policy formulation. †¢ It prepares, on annual basis, rural credit plans for all districts in the country; these plans form the base for annual credit plans of all rural financial institutions †¢ It undertakes monitoring and evaluation of projects refinanced by it. †¢ It promotes research in the fields of rural banking, agriculture and rural developmentby the Government of India and the RBI. Mission Promoting sustainable and equitable agriculture and rural development through effective credit support, related services, institution building and other innovative initiatives. In pursuing this mission, NABARD focuses its activities on: Credit functions, involving preparation of potential-linked credit plans annually for all districts of the country for identification of credit potential, monitoring the flow of ground level rural credit, issuing policy and operational guidelines to rural financing institutions and providing credit facilities to eligible institutions under various programmes Development functions, concerning reinforcement of the credit functions and making credit more productive Supervisory functions, ensuring the proper functioning of cooperative banks and regional rural banks Objectives NABARD was established in terms of the Preamble to the Act, â€Å"for providing credit for the promotion of agriculture, small scale industries, cottage and village industries, handicrafts and other rural crafts and other allied economic activities in rural areas with a view to promoting IRDP and securing prosperity of rural areas and for matters connected therewith in incidental thereto†. The main objectives of the NABARD as stated in the statement of objectives while placing the bill before the Lok Sabha were categorized as under : 1. The National Bank will be an apex organisation in respect of all matters relating to policy, planning operational aspects in the field of credit for promotion of Agriculture, Small Scale Industries, Cottage and Village Industries, Handicrafts and other rural crafts and other allied economic activities in rural areas. 2. The Bank will serve as a refinancing institution for institutional credit such as long-term, short-term for the promotion of activities in the rural areas. 3. The Bank will also provide direct lending to any institution as may approved by the Central Government. 4. The Bank will have organic links with the Reserve Bank and maintain a close link with in. sources of Funds Authorised share capital of NABARD is Rs 500 crores and issues and paid up capital is Rs 100 crores. NABARD accrues additional funds from borrowings from the Government of India and any institution approved by the Government of India, issue and sale of bonds i.e. Rural Infrastructural Development Bond, borrowings from RBI, deposits from State Governments and local authorities and gifts and grants received . NABARD have been providing financial assistance to various financial institutions engaged in Rural Credit Delivery System. These agencies include Co-operative Credit Institutions, Regional Rural Banks and Commercial Banks. The demand for funds for rural development has come up considerably in recent times. To meet the increasing demand of rural credit, NABARD raises funds from the following sources: (i) Capital: It went up from Rs.100 crore in March 1992 to Rs.1500 crore in March 1998 and further Rs. 2000 crore in 1999. The total Capital of NABARD is contributed by Government of India and RBI. The capital remained at Rs. 2000 crore in March 2002. (ii) Deposits: The deposits mainly come from Rural Infrastructural Development Fund (RIDF) introduced in Central Government Budget from the year 1995-96. Another source of deposits comes from banks which fall short of attaining priority sector target. The total outstanding RIDF deposits aggregated Rs. 9725 crore as on 31st March 2002. (iii) Borrowings: NABARD raises funds through market borrowings, Loans from Union Government and borrowings in Foreign Currency from abroad. Apart from these they also borrow funds from RBI. Their borrowings are mainly from three sources. They are by issue of bonds, borrowings from Government of India and borrowing abroad in foreign currency. The total outstanding borrowing amounted to Rs. 15,772 crore in March 2002. (iv) Reserves and: The excess of income over expenditures is generally accumu- Surplus lated as ‘Reserves and surplus’. As on March 2002, these reserves aggregated to Rs. 3626 crore. (v) Nation Rural Credit: These funds were earlier provided by RBI to NABARD in con- Funds (Long-term section with assistance under Agriculture Sector. These were Operation Fund & given out of profits earned by RBI. They stood at Rs.11064 crore Stabilization Fund) as on March ’99. However it has gone up to Rs. 13,975 crore as on March 2002. However, Reserve Bank stopped contributing large sums towards these two Funds from 1994. Presently, the RBI contributes only Rs.1.00 crore each to these funds as a symbolic gesture because the RBI Act provides for such contributions. The balance contribution now comes from NABARD’s own profit. (vi) Rural Infrastructural Development Fund (RIDF): The setting up of RIDF was announced in the Union Budget for 1995-96. The RIDF was set up with a contribution of Rs. 2000 crore mainly to provide assistance to State Governments to take up infrastructure projects pertaining to irrigation, rural roads, bridges and flood control measures. Contributions to this Fund came from Indian Scheduled Commercial Banks (other than RRBs) which failed to achieve the minimum agricultural lending target of 18 per cent of net bank credit. The shortfall of amounts in the target achievement was required to be kept in the RIDF with NABARD. Similarly RIDF II was set up in 1996-97 with contributions made by public sector banks which failed to achieve the minimum priority sector advances of 40 per cent. The shortfall in their target amount has to be kept in RIDF II. RIDF III was set up in 1997-98 with shortfall in priority sector landings of all private and public sector commercial banks. The contributions to these Funds were eligible for interest payment to be decided by Reserve Bank from time to time. The Funds are managed by NABARD. Loans out of these funds are mainly provided to State Governments to complete existing rural infrastructural projects and also for taking up new infrastructural projects in rural areas. Loans out of RIDF I was provided interest at the rate of 13.0 per cent and at 12.0 per cent out of RIDF II and III. The projects generally pertain to irrigation facilities and construction of Roads and Bridges in rural areas. Similarly RIDF IV and V were created in the Union Budget during 1998-99 and 1999- 2000. Further RIDF VI and VII were created in 2001 and 2002 with a corpus of Rs. 4,500 crore and Rs. 5,000 crore respectively. The scope of the fund has been extended to cover Gram Panchayats, Self Help Groups to develop rural infrastructural facilities like soil conservation, rural market yards, drainage improvement, etc. Students may observe the capital of NABARD has gone up by Rs. 1,500 crore to Rs. 2,000 crore during the year 2002. Similarly, the RIDF deposits which were only Rs. 3,608 crore in March 1999 were increased to Rs. 9,725 crore as on March 2002. The borrowing of NABARD has gone up substantially in the recent past from Rs. 9,000 crore in March 1999 to Rs. 15,772 crore in March 2002. The aggregate resources of NABARD were also substantially increased from Rs. 28,986 crore in March 1999 to Rs. 45,098 crore in March 2002. On the uses of funds while the loans and advances increased by about 25% between March 1999 and March 2002 loans out of RIDF funds went up substantially from Rs. 3,667 crore to Rs. 10,435 crore during the same period.