The Contractual Model Essay Research Paper The free essay sample

The Contractual Model Essay, Research Paper The authoritative hypothetical record is the hypothetical record in an expert customer relationship that shows the most trust inside any of the expert customer connections. For this hypothetical record to work at that spot must be a major aggregate of trust inside the two gatherings since the picks are made mutually by every one of them. There are numerous features wherein this is the hypothetical record that is the most engaging for point of view customers. Other than the trust factor there are numerous different grounds that it is so speaking to them, for example, the capacity to have confidence in one another bounty to discuss points that are of a progressively close to home nature, which may non needfully hold to make with the subject that began the expert customer relationship. The legally binding hypothetical record causes the customer to hold some sense of pride each piece great. While they can pound this relationship with whomever, and whatever field the expert is in they can keep up some sense of pride since inside this field the customer is associated with the assurance conceiving. We will compose a custom exposition test on The Contractual Model Essay Research Paper The or then again any comparable point explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page This is non just an easygoing capacity to do conclusions, the customer genuinely has a state in the conceiving of the judgments, in the other hypothetical records there might be some assurance doing originating from the two sides of the relationship yet there is non the inclination that is going on between the different sides as there is going on during the legally binding hypothetical record. It is just inside the authoritative hypothetical record that the sharing of obligation and moral approval, despite the fact that this is clear inside this hypothetical record it is non in all the others, this is one of the outcom Es of the relationship that is produced. The legally binding hypothetical record is most obvious when taking a gander at the field of clinical claim to fame. It is a lot simpler to hold the two sides go to a comprehension on the picks at manus than it would to make this inside a field with out the same number of picks. It might look odd that the field with a clearly unending figure of pills, doctors and slants would be the simplest to go to a comprehension inside the relationship, yet one needs to take a gander at it from an alternate point of view. With a field without numerous picks at that spot may unreasonably huge a spread between the thoughts, requests and standpoints that are needed between the different sides of the expert customer relationship. In the field of medicne it is a lot simpler to go to a comprimise since there are such a large number of picks that can be taken a gander at. Despite the fact that there might be a major contradiction inside the relationship with the entirety of the picks if the field it wou ld be a lot simpler to run into somewhere in the middle and go to a comprimise that the two sides of the relationship can be content with. There are numerous grounds why the legally binding hypothetical record is the most speaking to point of view customers. However every one of them falls back to the trust factor. In the event that one is non ready to swear its expert so it would do cut off employments inside the full proficient field. With the trust figure set completely there are numerous different features that gain validity inside the field from it. The legally binding hypothetical record depends on trust and other individual aspects inside the relationship that has been produced between the customer and the expert.

Impact of Financial Sector Development on Nigeria

Effect of Financial Sector Development on Nigeria Effect OF FINANCIAL SECTOR DEVELOPMENT ON SECTORIAL GROWTH IN NIGERIA: IMPLICATION FOR ECONOMIC GROWTH IN NIGERIA Segment ONE Presentation Essentially, the financial segment and the non-bank foundations make up the money related framework in Nigeria which is answerable for the advancement of monetary development in the Country. During the pre-progression period (from 1986 and underneath), government had adequate budgetary assets to fund a sensible extent of financial exercises (Adegbite, 2005). Be that as it may, this period experienced misleadingly ease of business credit bringing about wrong valuing of credit and stores, intense shortage of loanable assets in the framework and ultimately low degree of capital arrangement for monetary turn of events. Studies uncover that the progression of credit to the need segments didn't meet the endorsed targets and neglected to affect decidedly on yield and residential costs (Nnanna, 2001; Mordi, 2009). While trying to make the money related part light, the administration chose to deregulate and change all the areas of the economy as laid out in the Structural Adjustment Program presented in1986. During this period, financing costs were low and this facilitated the progression of credit to the ideal segments of the economy. By 1992, the quantity of banks had ascended from 56 of every 1986 to 120 and a limit use pace of 38.1%, while the GDP rate remained at 2.9%. Because of the financial pain from 1994 to 2002, the absolute number banks dwindled to 99. Be that as it may, the limit usage rose to 48% with an expanded development pace of 4%. This was because of recapitalization process attempted by the Central Bank of Nigeria (CBN) to continue the money related area, henceforth, making it serious. In 2004, the combination practice made the financial business a main player in the realization of the objectives set by the administration for the National Economic Empowerment and Development Strategy (NEEDS) program. In 2009, as a feature of the wide monetary measures to react to the unfriendly impacts of the worldwide budgetary and monetary emergencies, the CBN related to the monetary specialists designed measures to turn away a breakdown of the money related framework with the end goal of keeping up financial development (Odeniran and Udeeaja, 2010). Sadly, the flexibly of credit to financial specialists stays faulty as limit use rate is still low (half), therefore, hindering monetary development with GDP of 7.5%. In spite of the expanding advancements inside the budgetary part, monetary development despite everything falls behind. A great deal of studies have explored the nexus between budgetary area advancement and monetary development on an aggregative methodology. Be that as it may, their examinations didn't take a gander at the particular divisions which budgetary advancement impacts in Nigeria, for instance, agrarian area, fabricating segment, modern segment and the outside segment. Henceforth, a major inquiry that emerges is to see if a connection exists between monetary division improvement and financial development. Going to particulars, this investigation targets responding to the accompanying inquiries: What is the impact of money related segment advancement on the agrarian division in Nigeria? What is the impact of money related area advancement on assembling division in Nigeria? What is the impact of money related segment improvement on mechanical segment in Nigeria? What is the impact of money related area improvement on the outer segment in Nigeria? What are the imperatives related with monetary segment advancement in Nigeria? Research Objectives The principle target of this work is to research the connection between the budgetary turn of events and financial development in Nigeria. The particular goals are: To inspect the effect of budgetary area improvement on the farming part in Nigeria. To explore the impact of budgetary area improvement on the assembling part in Nigeria. To dissect the effect of budgetary area improvement on the mechanical part in Nigeria. To contemplate the impact of monetary division advancement on the outside part in Nigeria. To recognize the requirements related with budgetary segment advancement in Nigeria. Hypothetical Review The connection between budgetary division improvement and monetary development covers an expansive range of thoughts, for example, intermediation, constraint, advancement, guideline, broadening, advancements, changes and usage. Despite the fact that money related frameworks are unimportant go-betweens that protect the ideal allotment of reserve funds for venture (Chick, 1998), nonetheless, they assume a conclusive job during the time spent financial turn of events (Stiglitz, 1998). These perspectives are maintained by the pre-Keynesians and furthermore perceived by the post-Keynesians, however with some level of conflict. Keynes during the 1930s conjectured that account goes before investment funds (Zina and Trigui, 2001). Notwithstanding, the fundamental import of the post-Keynesians, for example, Asimakopulos (1983), Kregel (1984-5), Davidson (1986), Richardson (1986) and Terzi (1986), in their sequential examination, propose that investment funds obviously gives off an impression of being a result during the time spent the salary creation. Two significant speculations that rose in 1973 and have loaned assurance to the Keynesian theory are the McKinnon’s â€Å"Complementarity Hypothesis† and Shaw’s â€Å"Debt Intermediation View†. In their postulation the two of them contended that the subdued money related markets (low and managed loan fees, residential credit controls, high hold necessities and concessional credit rehearses) debilitates reserve funds, hinders the productive portion assets, builds the division of monetary markets, obliges venture and thus brings down the financial development rate (see, Bouzid, 2012). These basic thoughts of McKinnon-Shaw are cherished in the â€Å"Repression Theory† and hence delineate a positive connection between loan fee and money related turn of events. In any case, various creators feel that changing the budgetary frameworks is a definitive objective for venture and monetary exercises in this manner praising the McKinnon-Shaw proposal. Many creating nations have executed money related advancement strategies through the market-based loan fee assurance, diminishing controls using a credit card by progressively disposing of the coordinated and sponsored credit plans, creating essential and auxiliary protections markets, improving rivalry and productivity in the budgetary framework by privatizing nationalized business manages an account with the point of wiping out stifled systems as recommended by the â€Å"Liberalization Theory†. Two different speculations that clarify money related turn of events and monetary development are the â€Å"Supply Leading Hypothesis† and â€Å"Demand Following Hypothesis†, in accordance with the perspectives on Patrick (1966) and Demirguc-Kunt and Levine (2008) hypothesize an input system between financial development and budgetary turn of events. As per the flexibly driving theory, budgetary developing animates financial development. The interest following theory then again, sets monetary development goes before budgetary turn of events. This suggests progressions in monetary exercises trigger an expansion interest for increasingly money related administrations and accordingly prompting more prominent budgetary area improvement (Gurley and Shaw 1967), additionally in accordance with the perspectives on Goldsmith (1969) and Jung (1986). A positive connection between monetary division improvement and financial development has to a great extent been anticipated by â€Å"Exogenous Growth Models† just as â€Å"Endogenous Growth Models†. Bencivenga and Smith (1991) and Levine (1991) endogenous development models to a more noteworthy degree have distinguished the channels through which budgetary markets influence since quite a while ago run monetary development. The final product of this model is that monetary development execution is identified with budgetary turn of events, innovation and pay dissemination (see, Chukwuka, 2012). The development models created by Harrod and Domar assert the job of interest in financial development, in light of the double qualities of venture: Firstly, speculation makes pay â€Å"Demand Effect† and besides, it expands the beneficial limit of the economy in this way expanding its capital stock â€Å"Supply Effect†. In rundown, the Harrod-Domar development model hypothesizes that financial development will continue at the rate which society can activate household reserve funds assets combined with the profitability of the speculation (Somoye, 2002). Observational Review Considerable writing have broke down the connection that exist between money related framework advancement and financial development. These investigations have raised a ton conflict on the bearing of causality, yet anyway fall inside the dispatches of the hypotheses. In the first place, the Harrod-Domar development model prompts a speculation which certifies a single direction causality from money related advancement to monetary development. Second, there is unidirectional causality from development to fund, observationally affirmed by Shan, et al (2001) who presumed that monetary development causes budgetary advancement in China. Furthermore, the third which doesn't preclude a bi-directional causality between monetary development and budgetary improvement as conjectured in right on time and late writing (Gurley and Shaw 1960, 1967; Bencivenga and Smith, 1991). Estimating monetary advancement as the proportion of money related go-between resources isolated by net national item, Goldsmith (1969) broke down information from thirty-five nations for the period 1860-1963 and found that a positive connection with criticism impacts existed between budgetary turn of events and financial development over longer periods. He anyway settled that budgetary advancement to a great extent happens during the beginning periods of monetary improvement when nations have low degrees of salary. De Gregor and Guidotti (1995) arrived at a similar resolution that budgetary turn of events and monetary development are solid in the beginning times of improvement yet further demonstrated that the ef

Reinsurance Group of America and Fonterra

Reinsurance Group of America and Fonterra: Going for Unified Global Operations CASE STUDY QUESTIONS: The business estimation of these worldwide framework improvements for the organizations referenced for the situation is high. If there should be an occurrence of RGA, the representatives can dissect information by customer, agreement, and item and can discover customer mistakes without any problem. This has been made conceivable in light of the fact that information isn't put away at one spot. This is significant for supporting the reinsurance business. It has made it simple to deal with the reinsurance business.The worldwide framework improvements help RGA information approval and information quality. This empowers better hazard investigation, and maintenance examination prompting more prominent benefits. Essentially if there should arise an occurrence of Fonterra the updating of the Fonterra business so that the storehouses at the journal bunch are of huge treated steel assortment. The worldwide frameworks program planned for improving the flexibly chain of a journal goliath from bovine to assembling to capacity to clients. RGA accomplished these advantages since it was alleviated of the issue of agonizing over how the business ought to be managed.In expansion, the framework fortifies information approval and information quality. These helpful advantages were accomplished by drawing in the business and adjusting its own practices to the interest of the circumstance. The organization has accomplished the advantages by setting up a coordinated, multicurrency, and Multilingualism. 2. Attempting to actualize an answer at the same time isn't possible on the grounds that numerous customers have basic tasks that run during typical working hours and can't manage the cost of the advantage of having their whole activity close down for an extensive period in time.Often, customers have front office staff that take care of these activities, (for example, call focuses, help work areas, and so on ), and they work in 24-hour shifts. This is the reason numerous customers endorse of a staged usage approach, and the undertaking group must guarantee that the staged execution is conceivable. This methodology includes executing the answer for a specific measure of clients and afterward moving them onto the new arrangement, while the remainder of the clients are olled out along these lines, until the whole arrangement is turned out inside the customer condition. The stage approach functions admirably on the grounds that (1) there is negligible interruption to the customers activity, and (2) issues are settled snappier. The staged methodology could likewise be utilized if there is more than one office. The venture director could conclude that actualizing the arrangement in each division in turn could be more dependable than attempting to reveal all offices simultaneously. 3.

Can You Skip the PSAT

The PSAT is designed in some ways to be a pre-test for the SAT. Many students wonder: can you skip the PSAT and just take the SAT? The short answer to that question is yes if all you want to do is take the SAT, you dont have to take the PSAT first. But dont get ready to pass PSAT and go straight to SAT just yet there are a lot of advantages to taking the PSAT, even though its not strictly mandatory. Reasons You Shouldnt Skip the PSAT You shouldnt skip the PSAT if you want to enter into the National Merit Scholarship contest. This is because the PSAT actually is a requirement for entry into this prestigious competition. To be a National Merit contender, you  must take the PSAT in your junior year. This stage cannot be skipped. You should also consider the PSAT as part of your journey to college acceptance if you want to practice for the SAT under very real test conditions. The PSAT is  very comparable to the SAT in terms of difficulty. There are also conversion tables that translate PSAT scores into SAT equivalents, so you can measure your progress toward SAT success. Moreover, the PSAT costs just $15 to register, about a third of the SAT fee. So its a very affordable way to warm up for the SAT itself. Reasons You Should Skip the PSAT There are cases where the PSAT may be an unnecessary extra step that you can and  should skip. If you arent interested in applying for the Merit Scholarship, the PSAT will be a lot less important to you, and maybe not worth your time. (Although I always encourage people to consider the Merit Scholarship just being a runner-up can impress many admissions offices.) If youve just realized you  are interested in the Merit Scholarship, but your junior year of high school has ended, you can also skip the PSAT. (Doh!) And of course, skipping the PSAT is a  good move if you decide it simply isnt the right type of SAT warmup for you. While there are students that do benefit from taking the PSAT as a practice run for the SAT in their first or second year of high school, the  real  SAT can also be a truly authentic form of early practice, with a retake for admissions purposes during junior or senior year. The Takeaway You dont have to take the PSAT, but I still strongly recommend it. Its a low-cost way to practice for the SAT and possibly apply for a Natioanl Merit Scholarship. Still, your mileage may vary. Many students skip the PSAT and go on to have top SAT scores and wonderful academic careers.

Health Card Systems - Free Essay Example

Sample details Pages: 21 Words: 6405 Downloads: 9 Date added: 2017/06/26 Category Health Essay Type Essay any type Did you like this example? Health Card Systems History: In 1993 Advantage Data Systems was founded to develop a smart card for the health care industry .The founding group consisted of health care professionals from private practices in Oklahoma city , Oklahoma U.S.A . These professionals had all experienced a need within their practice of medicine for a convenient method for patients to carry their health information. As practicing health care professionals, they were dealing with patients who could not remember their medical history or provide an accurate recollection of their medication or allergies on a daily basis. Don’t waste time! Our writers will create an original "Health Card Systems" essay for you Create order Providing patients with a tool to keep an accurate record of their medical history was the goal upon which Advantage Data Systems was founded. With this goal in mind several technologies were investigated in order to determine the one most applicable to the project. Although several technologies had positive attributes, a smart card for health care provide myriad of benefits. By using a smart card for the health care card, ADS could achieve its goal to provide a convenient and reliable method for patients to carry their medical history. System Definition: Its a patient identification card with high level of data and transmission security, large memory capacity, flexible programming options, and standardized interfaces. It contains all the health information about the patient. It helps to reduce fraud, streamline administration, improve communication, and enhance the quality of treatment. Our industry-specific, cost-effective processing, allows us the ability to focus on your unique requirements and to tailor our programs and services to meet your special criteria for processing. Take this opportunity to also understand why leading industry Associations, Organizations and Societies in the Healthcare, Personal care and Wellness markets have selected Health Card Systems for their own processing as well as endorsing and promoting Health Card for their membership. The flexibility of the HCS Patient Card also permits the storage of multiple access codes, allowing affiliated hospital sites and clinics with different computer syste ms to retrieve vital patient information from the same card. Worldwide, the costs of healthcare are exploding. The main reason is that advanced medicines and technology are boosting life expectancy. As people get older, the care they need becomes more frequent and more expensive. To be able to finance this positive effect of higher life expectancy, the existing healthcare systems must be made more efficient. One means is the introduction of card-enabled e-health networks. Why I need Smart Health Cards? There is much longer story why we dont already have Health Smart Cards in our pockets. It is not because of the technical reasons or cost of the system at all. It is more about politics, people resisting Smart Health cards fail to understand benefits such technology brings to the table. Smart cards would save countless lives if implemented. Consider this: Germany has population of about 80 million people. Until smart cards were implemented every year about 50-60 thousand people were dying because of medical errors, mostly wrong prescriptions. Sounds like awfully a lot of dead people and it really is! There were only about 5 to 6 thousands of deaths caused by traffic accidents in the same time, whole Germany. Now consider USA, population is 4 times bigger, if the smart health cards arent existing, you draw your own conclusions Comparing the situation at Palestine, there is occupation and Israels assassination of the Palestinians, so the hospitals could not diagnose the pati ents condition and to deal rapidly. So we need to use the health cards so as to treat patients rapidly as much as possible, to save the largest number of patients lives. Cards, by design, are protected against tampering; they cant be copied or counterfeited in any way. The smart health card has implemented in the whole Western Europe (Germany, France, Belgium, Austria, Slovenia), Taiwan, and Puerto Rico, Canada, Israel, South Africa, Indiamore. †¢ Smart cards are small, they fit everybodys pocket †¢ Smart cards are very secure, cant be read, copied, manipulated, counterfeited or duplicated †¢ Smart card protect privacy where needed †¢ Smart cards are re-writable †¢ Smart card can contain digital log with location, date, time, persons stamp to record every transaction †¢ Smart card can contain digital prescriptions, no mistakes with handwriting, quantity or quality of medications †¢ Smart health card could be used anywhere, on the street by medical emergency crew to quickly learn about allergies and treatments, even if injured person is un-capable to interact with anybody †¢ Smart card can be set that certain profile of medical personnel can see only certain portion of card data †¢ Insurance, administrative and personal ID data are available †¢ Long sign ups at doctors offices can be avoided, just insert card into the smart card reader †¢ Only after doctor presents his own medical professional smart card, his card and patients card verify each other. After cross-verification transactions can take place †¢ Small and inexpensive balance reader can read emergency data any time, anywhere †¢ Smart health cards speed up medical administration, put it in right format (HIPAA), process claims faster and more precisely †¢ Smart cards save hundreds of millions in administration, insurance, public funding, government money †¢ Smart health card is actively fighting medic al fraud and critical errors saving money and lives due to the availability of emergency data. Smart card supports both languages English and Arabic. Also it has a huge database in compare with current systems which are programmed on access. It is easy to Update, Privileged Access, Accurate and Quick Registration. Electronic signing of the data can ensure that there is no subsequent alteration to guarantee the integrity of the records. Smart health card Increase in productivity among staff due to less time dealing with paperwork, so patients dont have to wait for service. Who will benefit from Health Smart cards? o Every person giving or receiving healthcare (patient). o Ministry of Health. o Insurance companies or Government insurance institutions. o Medical institutions. o Government overall when cards are massively applied. o When massively applied, every person in the country since savings will be huge. Benefits to the Hospital †¢ Huge potential for revenue growth in terms of loyal patients and other sources. †¢ Tremendous reduction of Doctors diagnosis and analysis time. †¢ Saves huge sums on avoiding unnecessary and voluminous paperwork and other administrative overheads. †¢ The health information of all the customers will be available in the hospitals system. †¢ Can ensure that the patients buy the medicines from pharmacies approved by the hospital, as they would have the Smart Card Readers. †¢ Prolonged medical attention cases like pregnancy, dialysis etc. can be tracked and checked for individual patients. †¢ A technical advantage over their fellow competitors. Benefits to Physicians †¢ Availability of current medical data at all times. †¢ Ability to obtain critical healthcare information from an incapacitated or unconscious patient. †¢ Improved communication and information sharing among healthcare providers, Physicians, hospitals, laboratories and pharmacies. †¢ Reduced administrative workload. †¢ Enables accurate data collection for research purpose, facilitating the evolution from Curative medicine to preventive medicine. Benefits to Patients †¢ Ability to carry their virtual medical record with them at all times and releases it to which they choose. †¢ Enables improved healthcare thanks to better-informed providers. †¢ Enables faster treatments in emergency situations. †¢ Eliminates need to remember specific terms, medications, and treatment names. †¢ Eliminates unnecessary treatments, repeated producers and tests. Benefits for Insurance Provider †¢ Faulty Claims can be avoided. †¢ Better Customer service. Who are potential customers to engage? o Medical health insurance companies. o Ministry of Health. o Ambulances. o Hospitals. o Individual doctors offices specially Dentists. o Pharmacies. What is actually written into the patients cards? o Cards are used as a secure portable mini data bases with: n Card information (serial numbers, issuers codes and data). n Personal information (personal data like name and address. n Insurance information (coverage and insurance details). n Emergency data. n Medical data (information about medical conditions and treatments). n Chronic disease info (patients data about possible chronic diseases). n Diagnosis. n Medications prescribed. How system works? n Main software resides at hospitals computers. Applicant takes blank smart card and creates new Health card. Card is written with initial control data and is given to the hospitals. n Hospitals takes card by card and personalizes cards by entering personal ID data and health data, and the insurance company add insurance details like type of coverage, contact details. They print card if its not printed already. Now card is given to end user. n Now anybody with a smart card can walk to any hospital/ clinics/ pharmacist/ Insurance companies where the information of patients can be read, write and updated. n patients carry the card with them at all times, giving medical personnel immediate access to their concise medical history, current medications, allergies, the names and telephone numbers of family or friends, and other information necessary for medical treatment decisions. n The patients can avoid delay in admission, giving same answer again and again, doing same test s again. Doctors can easily know the medical history of the patient, the diagnostic reports etc. Health Card System: n Cardholder uses card every time when he or she comes to health care facility. There are no forms to fill. Parts of the card may be protected by PIN that is known only to card holder. Doctors read a card and write back short notes if needed. They are also able to write prescriptions to the card. Same kind of information can be written into the data base so new card could be created in case original one is lost or stolen. n If there is a prescription involved patient comes to Pharmacy and they are able to read portion of the card with prescriptions and hand out proper prescription drugs to cardholder. Some Questions that face us as interpreters 1. Is there a clear business case? Including financial and consumer behavior factors? 2. What type of information do we want to store in the cards (data or value)? 3. How many cards will be needed? 4. What are the security requirements? 5. Who will have access to this information? 6. Who will be allowed to change this information? FAQ About Health Card System?! 1. What happens when a patient loses their card? Card backups assure that the smart card system offers the same level of convenience as any other. If cards are lost or stolen, they can quickly be replaced. (And if a card is stolen, the thief cant use it or read any sensitive information from it because it is password protected.).In addition if a patient forgets his card for any circumstance, the hospital can access the system through the patients full name or identification number assigned to it. 2. If data stored on the cards is also stored on line as a backup, why do you need smart cards at all? There is an enormous difference between relying on smart cards as the primary source for data, and relying on a remote on-line source. Since smart card backup information is only accessed when cards require replacement, very high security measures can be put in place without affecting the flow of information in the system. There are many other benefits that come from the fact that backups in a smart card system can be batch transmitted, minimizing system telecommunication costs. 3. How can you save time and money by using Health Card System?! Access to previous examination results allows a faster diagnosis. Moreover, duplication of examination and tests of sure can be avoided. 4. How can programmer protect the special medical information of patients? At the beginning it should be noted that the role of programmer is to design a system to make it easier for the user to diagnose and treat at the lowest cost, time, and therefore programmed after the completion of the program and guidance on how to use the relevant categories in turn, enter data for each patient .. In addition, the paper files are currently used may be exposed to damage or loss or theft while the information stored on this system is fully protected. 5. Some patients need to seek treatment abroad. How can he get all the medical information about his health which already save on the health card that none of software can read it except yours that doesnt find abroad?! If the patient needs to travel out for treatment. The file of health history will print to him and stamped from the hospital and the Ministry of Health. Business Plan HealthTech Administrative Plan v HealthTech PURPOSE AND BACKGROUND: In 2009, We Think about this Idea for our country, because of specializing in creating an ideal fit of the Patient Identification Card with the existing (Hospital Information System). Our innovative marketing programs increase patient satisfaction by providing simple solutions to admission questions. The HCS Patient Card System provides reduced admission time and increase accuracy while strengthening patient loyalty. The flexibility of the HCS Patient Card also allowing affiliated hospital sites and clinics with different computer systems to retrieve vital patient information from the same card. v HealthTech Ownership : The Owner of this project are The CEO Hamza Hindi he gets the Idea and starts to do it by get a Hand of 5 people who liked this idea and start to do the idea to the real life which are Mariam Nuaimi , Vivian Khair , Haytham Sbeih , Rasha Al-Sabbah , Marwa Qaraqe. Hamza Hindi Put Cash money to do the project by 20% and the five by 30% and the other 50% is a fund from a Foreign Company. So it is Shareable Resources and Profit by many sides, all of us works to let this company success .and it can be an ideal way to get the most out of the investment by purchasing only the shares or time you require from an asset. All other aspects are split, both the benefits and the costs, among a limited number of shareholders or members in our company. 1. Hamza Hindi: He has done his BA from Bethlehem University then worked for a Bethlehem Chamber Industry Commerce. Hes an excellent web designer. He has strong Photoshop and flash skills 2. Haytham Sbeih: He has done his BA from Bethl ehem University. He has worked on different platform including Java. 3. Vivian Khair: She has done her BA from Bethlehem University. 4. Mariam Nuaimi: She has done her BA from Bethlehem University. 5. Marwa Qaraqe: She has done her BA from Bethlehem University. 6. Rasha Al-Sabbah: She has done her BA from Bethlehem University. There are three main part of business at this moment and these responsibilities will be distributed as follows— Sales Marketing, Purchase, Operation and PR: All these activities will be handled by Rasha Al-Sabbah, Mariam Nuaimi, Marwa Qaraqe. Software development, testing, documentation and installation: These activities will be handled by Haytham Sbeih, Vivian Khair. Hardware, Integration and full service installation: These activities will be performed by Hamza Hindi. v HealthTech Vision : HealthTech will be a leader in health care quality and safety, recognized by all as the best place in the region to receive careand work. v HealthTech Mission : HealthTech will be a national leader in health care, exists to provide quality health services to all those in need. v HealthTech Values : HealthTech Health System realizes and is committed to the mission and vision through: Integrity: We are honest, open in our communications, and consistent in doing what we say we will do. Compassion: We provide a caring response to the physical, emotional and spiritual needs of all. Safety: We practice safety behaviors and error prevention techniques to ensure the safety of our patients, visitors and co-workers. Accountability: We accept individual and collective responsibility for everything we do. Respect: We recognize the dignity and worth of the individual, acknowledging the diversity of needs, experiences and talents of each person. Excellence: We strive to achieve the best in everything we do. v HealthTech Organization chart: v HealthTech Schedule of tasks and responsibilities: In our Company we have A CEO manager which will Perform Jobs and Duties for all other Managers and Staff, every Manager work on a plan which will be overview by the CEO, the other managers also watches the Staff and their work. HealthTech Schedule of remuneration: Ø CEO: Monthly Salary: 2500$ yearly Salary: 30000$ Works Five Days in a Week, about 6 hours in a day from 9-3. Ø Any under title of Manager: Monthly Salary: 2000$ yearly Salary: 24000$ Works Five Days in a Week, about 8 hours in a day from 8-4. Ø Staff : Monthly Salary: 1000$ yearly Salary: 12000$ Works Five Days in a Week, about 8 hours in a day from 8-4. Ø Cleaners And Service sector : Monthly Salary: 263$ yearly Salary: 3156$ Works Five Days in a Week, about 8.5 hours in a day from 7.5 4. Marketing Plan â€Å"Depends on 4Ps† PRODUCT v What is the Product? Its a patient identification card with high level of data and transmission security, large memory capacity, flexible programming options, and standardized interfaces. It contains all the historical medical health information about the patient, such as: blood group, diseases, medicines and all allergic cases that must be noticeableEtc. Cards, by design, are protected against tampering; they cant be copied or counterfeited in any way. Smart cards are small; they fit everybodys pocket so the patient can move without fatigue or discomfort. v What is the name of the Product? Heath Card System. v Is the Product seasonal? No. Because it is used over time. v Does the consumer remember the name of the Product? Yes, he remembers it. The name of the product is easy and related to its use. v The life cycle of the Product? The life cycle of the product is related to the patient life. So, when the person died his card is discarded. v Is it possible to add new elements to the product? Yes, we can update the software as the new needs of customer which may face us such as: Adding new fields to the system, improve the interface of the system and the card, online service provider. v What is the extent of customer satisfaction to the product? By the result of the questionnaire which contains 100 samples. We found that 92% of the Palestinian nation is accepted the idea and they are ready to support and use this product. v Is the target group is sensitive to quality? Yes of course the group is sensitive to quality. PRICE: What is the strategy that you want to follow in order to set price? Since we are trying to provide common product for all the customers we will have similar price for every target customers. But not all the target customers welcome our idea with the same excitement; in that case we will go for making facilities for our customers. We have basically three offers- Software, Readers and Cards. The software will be sold and installed at 3 price levels, for hospitals at $20,000, pharmacies at 2,000, medical centres and insurance companies at $5,000. The reader will be sold at 32.5% margin which will come around $33. The card will be sold at $1.5. Moreover, we must notice the breakeven point in order to determine our profit. v What are the considerations that need to be considered when pricing? In order to set the price we have to take in consideration: 1) Cost: The Pricing structure must cover all costs and provide an acceptable profit margin. 1. Research and Development d epartment costs. 2. System Analysis costs. 3. System Design costs. 4. Programming hardware and software costs. 5. Machines needed such as: card readers, smart cards and Computers costs. 6. Wages costs. 2) Competitor prices: Its important to consider the competitor price. However, theres no direct competition so we are free to set our price. 3) Image: In order to make our customers perceive our product as a high quality items are best to be set. 4) Channels of distributions: There is no need to consider it because our distribution model will be of direct selling. v What are the prices of competition goods? There are no direct competition goods. We have indirect competitor which is any company that use smart card and readers. Most of these players are for other businesses like software development, campus, hotels, ATM machines, reader and they are interested in bigger projects. Names of indirect competitors:  · Palestine Elevators Company.  · Israeli Companies  · Al-Quds elevators Company. v What are the strengths and weaknesses of competitors? Most are the competitors who are in the market are well established player in the market in the related businesses. They have good relationships with the existing suppliers but they are not concentrated in Smart Card business only, especially Health Smart Card is hardly a good idea for them. They chase the big projects only. We will have solution for small players at very small cost. We will make money in readers and smart cards. Simultaneously we will focus big hospitals for their turnkey project. So far not a single player who is in Health Card provide these information on net, we will differentiate there and will provide full information on the network which will be accessible by log in. This is the right time to enter into Health Care Smart Card where one side standard of living is increasing on the other hand people are becoming more aware of the health. v Who is your target group? The target customers include patients who need to go to hospitals, diagnostic centres, Clinics, Pharmacy, Insurance companies. So, our target could be the end users (patients) which is 2448433 person or the organizations and companies such as hospitals which are 52, Medical centres which are 537, Pharmacies which are 910, Insurance companies which are 8 in west bank. We will begin in the big cities like Ramallah, AlKhalil and Nablus and then continue to the rest. v What is the income level of the target group? According to the result of our questionnaire the income level of the target group (end users) is between 1000-3000 Nis. v What are the costs to produce the Product? $3804280 which is the Cost of research, programming, machines and cards, implementation, testing and maintenance. v Is the Product essential or a luxury good? It is essential because by using this system we can save life, time and money. v Is the target group is sensitive to price? No, it i snt. v To what extent the price reflects the quality of the product? High quality product means higher price to be set. PROMOTION v What is promotion? Promotion involves disseminating information about a product, product line, brand, or company. v What is the purpose of the promotion process? To persuade the target markets to use this system which enabling people to increase control over the determinants of health and thereby improve their health .To reach a state of complete physical, mental and social well-being an individual or group must be able to identify and realize aspirations, to satisfy needs and to change or cope with the environment. v What is the policy that we want to follow? 1. We will have a website which will have all the information of our products and services. Later on, we will strengthen our websites by storing patients information online. In our websites we will also provide general information about the health care facilities in Palestine, about different diseases, different health care professional, about diagnostic centres chemists. 2. Moreover, We will directly go to the customers and present our product and services by Work shop. 3. We will leave brochures and leaflets to the hospitals, pathology labs chemists. 4. In addition to, we will use posters at different cities. 5. By Media: newspaper, medical magazines, Jawwal sms, T.V., Radio and Facebook we can spread our idea and promote to the product. 6. Also, We will take help of Specialist who are already working in different companies to advertise our product and services 7. More than everything we will focus on mouth publicity by providing excellent product and services at affordable prices. v What is the budget established for the promotion? About $114054 for the first year, $29000 for the second year and $10416 for the third year. v How to distribute those elements of the budget on promotion? By printing brochures, hosting server for a website, posters, newspaper, medical magazines, Jawwal sms, T.V. and Facebook etc. v What a way of promotion is the most app ropriate for the target group? By meeting teams of hospitals in order to persuade them and showing them how the system will benefit them. Moreover, we can reach to the end users by posters and Jawwal sms. v What is the time plan for the promotion? 9 months Place: We will target all west bank, we will begin in the big cities like Ramallah, AlKhalil and Nablus, after that we will penetrate the other cities. And because we will be targeting all hospitals and health centers, it would be easy for people to access to hospital nearby and get the product. For long term goals we want to be the sole Health Card provider in the country and to penetrate other health sectors. How will the product/service be distributed? Which partners will be needed in the distribution channel? Our distribution model will be of direct selling. The selling person from the company will be directly going to the customers and presenting our product and services. We will provide them after sale services. After serving a reasonable market in a city we will have branches in different part of the city so that customers can easily avail our services. Analysis of SWOT 1) Strength: The strength of Health Card System entering into the Palestinian market at this time is a good one for it, since there is absolutely no competition in Palestine at the time. So, HCS is the first system which enters into this market; we will have established much strength that allows us to remain ahead of the competition. So, we will be as monopolist. Our brand name will stuck in customers mind as a good image. Moreover, this system is designed by our company so we dont buy it from foreign programmers. In addition, our system supports both languages English and Arabic. Also, the security pattern is so strong so no one can hack our system. 2) Weakness: First of all Governments ability may not support our system because of its high expenses and costs. In addition our system isnt international one; so if the patient needs to travel abroad he will take his medical file as papers. 3) Opportunity: First of all we can spread our product in order to penetrate all the cities of Palestine. We have a good chance by target the Arab World. We also have the opportunity to develop brand loyalty by offering smart cards that really will save human being life, time and money. In addition, we can improve this system so as to be credit/debit system. 4) Threats: The threat that might face us is the new entrants to the market that threaten to erode the market share. So the competition will increase. May be that other systems will be more available so the customers have a wider variety of choices. Identity theft is also could be a threat that faces us and the consumers. Production Plan: 1- Production Process: Health system production occurs at three levels which are: primary, secondary and tertiary. The primary level finishes after having all the materials which are important in order to start applying our programs such as: computers, certain software, smart cards, and smart card readers. Secondary production includes the production of programmable software of the health card system. The final step is how to make the card readers are ready to be used by hospitals (program the hardware). 2- Fixed Assets: Building à   Monthly rent: $500 Machinery, other equipment, tools 3 computers: $2280 1 laptop: $1185 1 Scanner: $80 1 Printer: $130 Total: $3765 Furnishings (including for office and warehouse):$ 3947 Motor vehicles (Car):$10000 Lifetime of the fixed assets is range between 5-10 years. Payment Conditions: The payment condition is cash. 3- Suppliers: The raw material suppliers will be determined via internet and we will contact them over there. Actually, we will import the raw material â€Å"Card-Readers the smart cards† from China so there will be shipping cost and delivery time which we must take into consideration. The cost of the card-Reader is $24.95 and we decide to sell it in $33 so as to gain 32.5% profit in one reader. On the other hand, the cost of card is $0.70 and well sell it in $1.5. 4- Licenses and Permits Required: * Licensing requirements Permits: We need license from the Ministry of Health in order to apply our system nationally. In addition, we need permits of Chamber of Commerce to start our job and having certificated employment contract, and from municipality as to have work permits. * Workplace or environmental regulations: We also need a lease in order have the office and start working * Insurance coverage: Indicate that we have insurance on the shipping raw material, our office and our health (with NIC national insurance company). 5- Labor Costs: Our workforce costs is $150000, insurance costs is $5760. 6- Location Facilities: The location of our office is convenient to our customers; it is located at the center of Bethlehem at AL-Mahed Street where the parking is available. According to our office it will be provided with equipments in order to complete our production process. Moreover, it will be ready in order to welcome our customers and handle important meeting with other companies. A rent expense is $500 per month. 7- Targets Capacity: There is a big different between our company and others in the production process. Our production process is confined in programming the software of the health card system which will need 3-4 months then evaluate and testing the program so as to fixed any errors and then start sell it. According to our forecasting sales: Year1à   We will cover all the hospitals at the west bank so we will sell 52 software. The price of the software is $20000 so our sales for the first year will be $1040000. Year2à  we will sell our software to all medical and health centers â€Å"539 centers†. The price of the software is $5000, so our sales estimated to be $2695000. Year3à  Pharmacies and insurance companies will be our aim; the number of pharmacies is 910 and the price of the software is $2000 so our sales estimated to be $1820000. On the other hand the number of insurance co. is 8 and the price of the software is $5000 so our sales estimated to be $40000. Project Planning: Timeline of Project Activities Month 1 Month 2 Week Month 3 Week Month 4 Week Week 1 2 3 1 2 3 4 4 1 2 3 4 1 2 3 4 Capital Equipment Marketing Inventory/ Supplies Financial Plan: Fixed Assets:- There are no Buildings but we will rent a small apartment, also we have 3 computers and 1 laptop, scanner, printer. We will purchase office equipments such as tables, chairs †¦etc. We will buy a small car to travel between cities; also there are some Miscellaneous such as papers, ink, tea coffee †¦etc Fixed Assets Amount Machines, other equipments, tools $3,765.00 Furniture $3,947.00 Motor vehicles (Car) $10,000.00 Miscellaneous $1,000.00 Total fixed assets $18,712.00 Current Assets:- We will take a loan from the bank which value is $500,000, also we have inventory which contains smart card reader, smart cards. Current Assets Amount Start-up inventory $9,495.00 Cash and bank assets $500,000.00 Total current assets $509,495.00 Operating costs (Fixed and Variable):- Our material costs contains the costs of the smart card reader , smart cards , the wages include the wages of one manager and five employees , we will rent apartment which cost is $500 monthly , also we have water , electricity, and telephone bills , also Internet .We need petrol , oil , insurance for our car . We need also Bill -Board, brochures, Jawwal SMS, Work shop, web site etc for advertising. Costs First year Second year Third year Material costs $1,613,417.25 $156,820.65 $23,604.10 Shipping costs $414,881.00 $40,070.40 $4,055.60 Wages $153,156.00 $153,156.00 $201,156.00 Rent $6,000.00 $6,000.00 $6,000.00 Office material, postal expenses, telephone charges $631.20 $631.20 $631.20 Taxes , fees $143.00 $143.00 $143.00 Contributions and Insurance $5,760.00 $5,760.00 $5,7 60.00 Energy, water, etc. $726.00 $726.00 726.00 Maintenance ,cleaning , repairs $3,156.00 $3,156.00 $3,156.00 Advertising $228,916.00 $29,076.00 $10,416.00 Motor vehicle (petrol, oil, insurance, etc.) $6,060.00 $6,060.00 $6,060.00 Travel expenses and allowances $1,400.00 $1,400.00 $1,400.00 Other $1,080.00 $1,080.00 $1,080.00 Total operating costs( Fixed Variable) $2,435,326.45 $404,079.25 $318,187.90 Estimated sales:- The potential market size of a west bank can be calculated as follows— There are 2,448,433 people who need to have health card: If each card cost $6 then the card market will be of $14,690,598. There are 539 health care centres, and 8 insurance companies that will go for installation of health card system and on average system installation at a place will cost $5000 for clinic centres. So the potential market will market of setting up system at health care centres will be of $2,735,000. There are 52 hospitals whose average system cost will be $20000 and the potential market will be of $1,040,000. There are 910 pharmacies whose average system cost will be $2000 and the potential market will be of $ 1,820,000. So the potential of market is $5,595,000 in West bank. If we go for online service provider the potential market will be from advertisement which might go $50,000-$70,000 a year. In the first year we will concentrate our software sales on the hospitals, in the second year on medical centers, in the third year on pharmacies and insurance Companies. Goods Quantity Quantity Quantity Unit Price Total sales Total sales Total sales First year Second year Third year First year Second year Third year Smart Card Reader 625.00 1,617.00 918.00 $33.00 $20,625.00 $53,361.00 $30,294.00 Smart Cards 2,282,605.00 166,395.00 1,000.00 $1.50 $3,423,907.50 $249,592.50 $1,500.00 HealthTecH Software hospitals 34.00 0 0 $20,000.00 $680,000.00 0 0 HealthTecH Software medical centers 0 539.00 0 $5,000.00 0 $2,695,000.00 0 HealthTecH Software pharmacies 0 0 910.00 $2,000.00 0 0 1,820,000.00$ HealthTecH Software insurance Co. 0 0 8.00 $5,000.00 0 0 $40,000.00 Provisional cash flow ($) for the first year:- Our cash flow contains the estimated sales for the first year, also our fixed and variable operating costs, and the Entrepreneurs wage. Month 1 2 3 4 5 6 Sales 131,320.00 281,320.00 281,485.00 241,650.00 621,815.00 641,980.00 Operating costs 86,847.02 135,818.02 136,319.77 136,172.52 349,815.27 348,571.02 Entrepreneurs wage 12,500.00 12,500.00 12,500.00 12,500.00 12,500.00 12,500.00 Provisional cash flow 31,972.98 133,001.98 132,665.23 92,977.48 259,499.73 280,908.98 Accumulated provisional cash flow 31,972.98 164,974.96 297,640.19 390,617.67 650,117.40 931,026.38 7 8 9 10 11 12 641,980.00 582,640.00 393,296.00 111,650.00 111,155.00 84,241.50 349,059.02 303,286.02 246,726.37 77,932.52 77,184.27 72,732.67 12,500.00 12,500.00 12,500.00 12,500.00 12,500.00 12,500.00 280,420.98 2 66,853.98 134,069.63 21,217.48 21,470.73 -991.17 1,211,447.36 1,478,301.34 1,612,370.97 1,633,588.45 1,655,059.18 1,654,068.01 Break-even point:- Break-even point = Fixed costs Sale price variable costs / unit Goods Sales Unit Price Total sales Variable cost per unit Contribution margin A percentage of sales Total Break-even point Smart Card Reader 625.00 $33.00 $20,625.00 $24.95 Smart Cards 2,282,605.00 $1.50 $3,423,907.50 $0.70 HealthTecH Software hospitals 34.00 $20,000.00 $680,000.00 HealthTecH Software medical centers 0 $5,000.00 $0 HealthTecH Software pharmacies 0 $2,000.00 $0 HealthTecH Software insurance Co. 0 $5,000.00 $0 Lists of profits and losses:- In the first three years our profit will be too low but we expect it to be too high in the coming years. 1st year($) 2nd year($) 3rd year($) Total sales 4,124,532.50 2,997,953.50 1,891,794.00 Total operating costs 2,435,326.49 404,079.25 318,187.90 Interest on loans 18,119.00 18,119.00 18,119.00 Depreciation 18,712.00 17,042.00 15,248.00 Gross profits (profits or losses) 1,652,375.01 2,558,713.25 1,558,358.10 Profit taxes 258,876.62 373,651.70 226,419.54 Net profit 1,393,498.39 2,185,061.55 1,331,938.56 Analysis of our Questionnaire We make 100 copies of it; we pass it through Palestinian people in different ages. Our survey has 48 percent of males, 52 percent of females, 75 percent of them has an insurance, people w havent insurance like to have an insurance is 87 percent. We asked them Would you like to shorten the treatment procedure of paper? , we found that the young people their ages are less than 30 years are interested to shorten treatment procedure of paper, their percentage is 57.1%, the older ages are less interested to shorten treatment procedure of paper because it had become a habit and they are accustomed to it. The other questions we asked about paying fees for doing less paper work and the need to file a new health work in each hospital, the questions are: * Do you have the willingness to pay a nominal fee for this service fast? * Do you have a willingness to pay a fee that will give you treatment in all health centers without the need to file a new health work in each hospital? Most of them were answered that they are willing to pay an acceptable fee for this service for different levels of standard of living.  · Sex Frequency Percent Valid Percent Cumulative Percent Valid Male 47 47.5 48.0 48.0 Fe male 51 51.5 52.0 100.0 Total 98 99.0 100.0 Missing System 1 1.0 Total 99 100.0  · Education Frequency Percent Valid Percent Cumulative Percent Valid primary 5 5.1 5.2 5.2 Lower Secondary 7 7.1 7.2 12.4 Secondary 16 16.2 16.5 28.9 University 65 65.7 67.0 95.9 No learn 4 4.0 4.1 100.0 Total 97 98.0 100.0 Missing System 2 2.0 Total 99 100.0  · Age Frequency Percent Valid Percent Cumulative Percent Valid 18-30 56 56.6 57.1 57.1 31-50 33 33.3 33.7 90.8 51-70 9 9.1 9.2 100.0 Total 98 99.0 100.0 Missing System 1 1.0 Total 99 100.0  · Income Frequency Percent Valid Percent Cumulative Percent Valid 1000 17 17.2 17.3 17.3 1001-3000 45 45.5 45.9 63.3 3001-5000 22 22.2 22.4 85.7 5000 14 14.1 14.3 100.0 Total 98 99.0 100.0 Missing System 1 1.0 Total 99 100.0  · Residence Frequency Percent Valid Percent Cumulative Percent Valid Village 37 37.4 37.8 37.8 City 48 48.5 49.0 86.7 Camp 13 13.1 13.3 100.0 Total 98 99.0 100.0 Missing System 1 1.0 Total 99 100.0  · Health insurance Frequency Percent Valid Percent Cumulative Percent Valid Available 74 74.7 75.5 75.5 Not available 24 24.2 24.5 100.0 Total 98 99.0 100.0 Missing System 1 1.0 Total 99 100.0  · Sociality Frequency Percent Valid Percent Cumulative Percent Valid Unmarried 52 52.5 53.1 53.1 Married 44 44.4 44.9 98.0 Divorced 1 1.0 1.0 99.0 Widowed 1 1.0 1.0 100.0 Total 98 99.0 1 00.0 Missing System 1 1.0 Total 99 100.0 1. Would you like to get health insurance? Frequency Percent Valid Percent Cumulative Percent Valid yes 90 90.9 91.8 91.8 no 8 8.1 8.2 100.0 Total 98 99.0 100.0 Missing System 1 1.0 Total 99 100.0 2. Does the hospital provide care in a manner distinct? Frequency Percent Valid Percent Cumulative Percent Valid Excellent 10 10.1 10.2 10.2 Good 25 25.3 25.5 35.7 Average 36 36.4 36.7 72.4 Bad 27 27.3 27.6 100.0 Total 98 99.0 100.0 Missing System 1 1.0 Total 99 100.0 3. Would you like to shorten the treatment procedure of paper? Frequency Percent Valid Percent Cumulative Percent Valid Yes 91 91.9 92.9 92.9 No 7 7.1 7.1 100.0 Total 98 99.0 100.0 Missing System 1 1.0 Total 99 100.0 4. Would you like to carry your record Patients in the form of e-card also carry an ATM card? Frequency Percent Valid Percent Cumulative Percent Valid yes 91 91.9 92.9 92.9 No 7 7.1 7.1 100.0 Total 98 99.0 100.0 Missing System 1 1.0 Total 99 100.0 5. Does the hospital provide you with health care in an expeditious manner? Frequency Percent Valid Percent Cumulative Percent Valid Excellent 7 7.1 7.1 7.1 Good 23 23.2 23.5 30.6 Average 46 46.5 46.9 77.6 Bad 22 22.2 22.4 100.0 Total 98 99.0 100.0 Missing System 1 1.0 Total 99 100.0 6. Do you have the willingness to pay a nominal fee for this service fast? Frequency Percent Valid Percent Cumulative Percent Valid Yes 89 89.9 90.8 90.8 No 9 9.1 9.2 100.0 Total 98 99.0 100.0 Missing System 1 1.0 Total 99 100.0 7. Do you have the willingness to pay a nominal fee for this service fast? Frequency Percent Valid Percent Cumulative Percent Valid Excellent 21 21.2 21.4 21.4 Good 56 56.6 57.1 78.6 Average 12 12.1 12.2 90.8 Bad 9 9.1 9.2 100.0 Total 98 99.0 100.0 Missing System 1 1.0 Total 99 100.0 8. Would you like to rest from the trouble of taking the files sick whenever you go to the clinic a doctor? Frequency Percent Valid Percent Cumulative Percent Valid Yes 93 93.9 94.9 94.9 No 5 5.1 5.1 100.0 Total 98 99.0 100.0 Missing System 1 1.0 Total 99 100.0 9. Do you have a willingness to pay a fee that will give you treatment in all health centers without the need to file a new health work in each hospital? Frequency Percent Valid Percent Cumulative Percent Valid Yes 91 91.9 92.9 92.9 No 7 7.1 7.1 100.0 Total 98 99.0 100.0 Missing System 1 1.0 Total 99 100.0 10. Would you like to be your patients available all the time? Frequency Percent Valid Percent Cumulative Percent Valid Yes 84 84.8 85.7 85.7 No 14 14.1 14.3 100.0 Total 98 99.0 100.0 Missing System 1 1.0 Total 99 100.0 11. Would you like to provide you with treatment in different hospitals? Frequency Percent Valid Percent Cumulative Percent Valid Yes 97 98.0 99.0 99.0 No 1 1.0 1.0 100.0 Total 98 99.0 100.0 Missing System 1 1.0 Total 99 100.0  · Questions relations Would you like to get health insurance? Total Yes No Has an insurance Yes 93.2 6.8 100.0 no 87.5 12.5 100.0 Total 91.8 8.2 100.0 Sex Total Age Total Male Female 18-30 31-50 51-70 Does the hospital Excellent 40.0 60.0 100.0 40.0 50.0 10.0 100.0 provide care in a Good 40.0 60.0 100.0 44.0 44.0 12.0 100.0 Manner distinct? Average 44.4 55.6 100.0 66.7 25.0 8.3 100.0 Bad 63.0 37.0 100.0 63.0 29.6 7.4 100.0 Total 48.0 52.0 100.0 57.1 33.7 9.2 100.0 Sex Total Age Total Male Female 18-30 31-50 51-70 Does the hospital Excellent 40.0 60.0 100.0 40.0 50.0 10.0 100.0 provide care in a Good 40.0 60.0 100.0 44.0 44.0 12.0 100.0 Manner distinct? Average 44.4 55.6 100.0 66.7 25.0 8.3 100.0 Bad 63.0 37.0 100.0 63.0 29.6 7.4 100.0 Total 48.0 52.0 100.0 57.1 33.7 9.2 100.0 Would you like to shorten the treatment procedure of paper? Yes 46.2 53.8 100.0 57.1 34.1 8.8 100.0 No 71.4 28.6 100.0 57.1 28.6 14.3 100.0 Total 48.0 52.0 100.0 57.1 33.7 9.2 100.0 Would you like to carry your record Patients in the form of e-card also carry an ATM card? Yes 47.3 52.7 100.0 58.2 33.0 8.8 100.0 No 57.1 42.9 100.0 42.9 42.9 14.3 100.0 Total 48.0 52.0 100.0 57.1 33.7 9.2 100.0 Income Total 1000 1001-3000 3001-5000 5000 Do you have the willingness to pay a nominal fee for this service fast? Yes 88.2 86.7 100.0 92.9 90.8 No 11.8 13.3 7.1 9.2 Total 100.0 100.0 100.0 100.0 100.0 Do you have a willingness to pay a fee that will give you treatment in all health centers without the need to file a new health work in each hospital? Yes 82.4 93.3 100.0 92.9 92.9 No 17.6 6.7 7.1 7.1 Total 100.0 100.0 100.0 100.0 100.0

Globalisation Manufacturing and Workplace Change

The phenomenon known as globalisation Introduction To begin with, tell them that they will need to look at the essay questions today Later we will be doing a trial reflective exercise Let s look at Globalisation My story When my colleagues and I were faced with redundancy we were placed in a unique position. Or perhaps it wasn t quite so unique, just unspoken; ‘experts are not renowned for publicly applying their own theories to themselves. After years working as labour researchers or workplace change consultants we found ourselves in the position of having the stories we told other workers and their managements about why change was happening being reflected back to us by our managers and the people employed to facilitate†¦show more content†¦These ‘events , the writers argue, must be responded to in particular ways by governments and organisations in order to succeed in this new ‘competitive and ‘global environment. The emphasis here is on increasing competitiveness through introducing high-quality, lean production processes, and marketing strategies aimed at quick response to customer demand. Following this, I briefly examine how writers have perceived the Australian Government s response to these ‘events . Thirdly, I show how writers on workplace change, even critical writers, largely accept that the ‘quality , ‘lean production and ‘customer focus categorisation of workplace changes. Thus, the analysis of the politics and power associated with workplace change is streamed according to prevailing neo-liberal or critical theories without ever questioning the nature of the concepts themselves. My argument is that through the use of these reified concepts for analysing workplace change much of what is important about the experience of being a worker in the late 1990 s, about the experience of being human amongst other humans in industrial spaces, is difficult to access and leaves what I consider important questions unanswered. DifferentShow MoreRelatedHow The Changes Affect The Managers And Working Team Of The Company1150 Words   |  5 Pageswork in 19th century and this nature is continuously changing with the advancement of technology. This article explores some key points of what changes have been occurred in workplace and how these changes affect the managers and working team of the company. And what other change we expect in the coming years. 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The Death Penalty (1155 words) Essay Example For Students

The Death Penalty (1155 words) Essay The Death PenaltyThe Death PenaltyWhy is the death penalty used as a means of punishment for crime? Is this just a way to solve the nations growing problem of overcrowded prisons, or is justice really being served? Why do some view the taking of a life morally correct? These questions are discussed and debated upon in every state and national legislature throughout the country. Advantages and disadvantages for the death penalty exist, and many members of the United States, and individual State governments, have differing opinions. Yet it seems that the stronger arguments, and evidence such as cost effectiveness, should lead the common citizen to the opposition of Capital Punishment. Those who choose to support Capital Punishment are assuming that just because death is an absolute form of punishment, it will be a strong deterrent to crime. Yet, the US is the only Western nation that still allows the death penalty, and we also have one of the highest crime rates. During the 1980s, deat h penalty states averaged an annual rate of 7.5 criminal homicides per 100,000, while abolition states averaged a rate of 7.4 per 100,000 (Bryant). This data shows that a threat of Capital Punishment has no effect on crime in America. Furthermore, the Miami Herald reported that Florida, with one of the nations largest death rows, has estimated that the true cost of each execution is approximately $3.2 million, or approximately six times the cost of a life-imprisonment sentence. This shows that not only is the threat of being placed on death row ineffective, but the act is much more expensive than just leaving the accused in jail. Aren’t here other areas of need where this large sum of money could be used more effectively?Supporters of Capital Punishment have various reasons for their opinions. Michael Bryant, a 30-year old columnist writer, posted some facts and opinions on the Internet representing the viewpoint of a Capital Punishment supporter. Keeping a prisoner in jail f or life will be very expensive considering that it costs $80,000 a year; and the bad news is that the money comes from the taxpayer’s pocket. Thousands of people will attack the death penalty. They will give emotional speeches about the one innocent man who might be executed. However, all of these people are forgetting one crucial element. They are forgetting the thousands of victims who die every year. This may sound awkward, but the death penalty saves lives. It saves lives because it stops those who murder from ever murdering again (Bryant). These opinions represent some of the strongest and most influential views that proponents hold. However, if our prison system could rehabilitate more effectively, perhaps those who murdered once, could change. Texas being one of the states within the U.S. that allows Capital Punishment also has one of the largest death rows. Jim Mattox, former Attorney General of Texas, who supported the death penalty during his term of office, does no t believe that murderers in Texas are hindered by the death penalty. Mattox interviewed nearly all the people executed in Texas between 1976 and 1988 and concluded that the death sentence never crossed their minds before they committed their crime. â€Å"It is my own experience that those executed in Texas were not deterred by the existence of the death penalty,† he said (Death). It seems that even supporters of the death penalty are unsure of its effectiveness. One of the most controversial applications of the death penalty has been developing for twenty-two years in Texas. Joseph Faulder, a Canadian citizen, was sentenced to death in 1977 for a murder committed in Dallas. Canada, his home country, does not practice Capital Punishment. Though he appealed seventeen times, and his execution would violate a two-hundred year old federal law known as the Alien Tort Claims Act, the Texas judiciary system sent Faulder to his death on June 17, 1999. Even a flood of official protests from Canadian state officials, U.S. Secretary of State Madeleine Albright, the human rights arm of the Organization of American States, even the Vatican, also proved of no avail (Ward). Quoting Diane Clements, a protester in favor of the execution, â€Å"The message to them tonight is to stay home, don’t butt in where you don’t have business in Texas (Ward). In this highly controversial event, the dangers of the God-like powers given to the courts under C apital Punishment are evident. Not only could this event have caused an international crisis, but it was an unneeded display of power by the Texas judiciary system. .ub721f0c1cd52baecad285230b834bfaf , .ub721f0c1cd52baecad285230b834bfaf .postImageUrl , .ub721f0c1cd52baecad285230b834bfaf .centered-text-area { min-height: 80px; position: relative; } .ub721f0c1cd52baecad285230b834bfaf , .ub721f0c1cd52baecad285230b834bfaf:hover , .ub721f0c1cd52baecad285230b834bfaf:visited , .ub721f0c1cd52baecad285230b834bfaf:active { border:0!important; } .ub721f0c1cd52baecad285230b834bfaf .clearfix:after { content: ""; display: table; clear: both; } .ub721f0c1cd52baecad285230b834bfaf { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .ub721f0c1cd52baecad285230b834bfaf:active , .ub721f0c1cd52baecad285230b834bfaf:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .ub721f0c1cd52baecad285230b834bfaf .centered-text-area { width: 100%; position: relative ; } .ub721f0c1cd52baecad285230b834bfaf .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .ub721f0c1cd52baecad285230b834bfaf .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .ub721f0c1cd52baecad285230b834bfaf .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .ub721f0c1cd52baecad285230b834bfaf:hover .ctaButton { background-color: #34495E!important; } .ub721f0c1cd52baecad285230b834bfaf .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .ub721f0c1cd52baecad285230b834bfaf .ub721f0c1cd52baecad285230b834bfaf-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .ub721f0c1cd52baecad285230b834bfaf:after { content: ""; display: block; clear: both; } READ: Stem cell research EssayEven though the majority of the states in the U.S., thirty-eight, support Capital Punishment, there is still a strong opposition towards it. Opponents argue that if our prison system were effective, there would be no need for Capital Punishment. Congressmen Mark Price states his views on our prison system: â€Å"While I do not think that sending a person to ‘rehab’ will help them always, I do believe that people who once molested, raped, or murdered in cold blood can be healed and brought back to function in this society. The problem is that prison doesn’t rehabilitate, it can make the person even more offended and sickened at s ociety and prone to harming themselves or innocent victims. It is not just as simple to supply answers that will work when applied to reality. I think that placing a person in a loving, nurturing environment will eventually bring out the best in them† (Pragmatic). As implied by Mark Price, our prison systems are doing an ineffective job of rehabilitation, and don’t supply the kind of environment that encourages change. This problem is seemingly endless though. The penal system of the United States, and Texas in particular is already extremely overcrowded, and a positive environment can’t be produced without individual attention. Yet, the reform of prisons is perhaps the key to changing current views upon Capital Punishment. Society needs to concentrate on helping those who need help, instead of simply discarding, or eliminating the problem. Why is the death penalty used as a means of punishment for crime? As discussed above, there seems to be no prevalent reason for Capital Punishment to continue. It can cause unnecessary disputes, waste precious money and time, and it doesn’t deter crime. Maybe the key for reform is within the prison system itself, but change is not approaching quickly. It seems that for now, opponents will have to deal with Capital Punishment and hope for the best. BibliographyWorks CitedBryant, Michael. â€Å"Thoughts on Capital Punishment.† (June 12, 1999)â€Å"Is the Death Penalty Necessary?† (June 15, 1999)â€Å"Pragmatic Arguments Against the Death Penalty.† (June 12, 1999)Ward, Mike. â€Å"Canadian executed after pleas exhausted.† 18 June 1999. Section B, page 1. Political Issues