Strategic Information System Accounting Software or Packages

Question: Talk about theStrategic Information Systemfor Accounting Software or Packages. Answer: Bookkeeping Software or Packages utilized in Australia Destruction of manual or the paper base bookkeeping framework in Australia in mid 200 is seen and seen to have incredible effect on the exercises of numerous SMEs associations. The presentation of GST framework constrained more strain to the Small Business Enterprises to utilize the advanced bookkeeping frameworks. The appropriations just as the use of new bookkeeping frameworks suggests the usage of the vital data framework in an association, the SMEs which received new bookkeeping frameworks while actualizing the Enterprise Resource Planning are disclosed to have gain the upper hand over the current rivals in their individual industry. The principle conceptualizes of Enterprise Resource Planning is the utilization of automated framework to work the monetary exercises of the association. Obviously, the bookkeeping data frameworks in Australia is seen to help phenomenal execution of the Small Business Enterprises. As indicated by Finkelstein Farbey, 2004, the appropriation of new innovation through the usage of ERP goes about as the mainstay of achievement to numerous business undertakings. Xero Accounting Software History As indicated by Mayasari, 2015, Xero bookkeeping framework was created in 2006 by Xero Company in Australia. The examination demonstrates that, the bookkeeping programming was created to urge the SMEs to receive the utilization of innovation through the execution of Enterprise Resource Planning (Mayasari, 2015). Advancement The advancement of Xero bookkeeping programming is figured to display the great advancement of numerous business associations. The movement and improvement is shown by the usefulness of the bookkeeping framework towards improving the organization execution. Ruler 2015, expressed that the bookkeeping programming functions admirably with the examining framework, utilized by the reviewers while they play out their review techniques. Reception As indicated by Drury, Vickers, and Xero Limited, 2015, numerous organizations in Australia have embraced the utilization of bookkeeping framework while they play out their business tasks, particularly the monetary exercises of the organization. The part of multi-money is among the essential factor that has constrained the organizations to receive the utilization of the Xero bookkeeping framework, it permits the SMES to play out their business exercises utilizing various monetary standards. Drury and Vickers, 2015 expressed that the data framework can refreshed the monetary information of the organization up to the current date. Current Market Share The piece of the overall industry of Xero bookkeeping framework is characterized by the market approach utilized by the organizations in Australia. As per Xero Company monetary detailing of 2015, Xero bookkeeping programming has increase a great deal of colleague in Australian business Environment. The report from the organization demonstrates that more than 260,000 customer and more that 10,000 colleagues are utilizing the Xero bookkeeping framework, this speaks to 16% ascent in 2015 contrasted with 6-year prior. Pioneers of Xero Software As indicated by Chris Ridd, the previous Chief Executive Officer of Xero Company, SMEs in Australia are the main partners who have reliably receive the utilization of the bookkeeping framework ( King, 2015). Upper hand As indicated by King, 2015 a few components have been assessed to be the essential viewpoint which pushes the reception of the Xero bookkeeping framework. Xero bookkeeping programming gives intergraded money related administrations that lead to exactness in numerous business exchanges, the precise bookkeeping data is utilized by the organization the board to settle on complete choice which are line up with the organization objectives and targets. As per Rosen, 2016, Xero bookkeeping framework gives the cloud sparing administrations, where the bookkeeping information can refreshed up date. Difficulties of utilizing Xero Accounting Package Rose, 2016 expressed that, the Xero bookkeeping programming gives the cloud sparing monetary administrations, constraining the SMEs to cause significant expense of introducing the product and other related mechanical components. Absence of prepared worker who have applicable aptitude of utilizing the bookkeeping framework influences the activity of the SMEs associations. The organizations are prescribed to guarantee that they set enough capital for the establishment of the product just as utilizing the certified work force. MYOB Accounting Software History MYOB bookkeeping bundle was created by Christopher Lee in 1980. The organization which built up the product is an Australian global organization which give advertising administrations to SMEs, the organization gave finance framework just as the business programming to the little organizations. Improvement The report gave by MYOB Company, the bookkeeping bundle is grown expecially for SMEs for the reason for accounting. It is created such that it is anything but difficult to utilize, and keeps the money related budgetary records according to the business activity. Reception As indicated by Mayasari, 2015, the selection of MYOB bookkeeping framework is invigorated by the limit of the parent organization converging with the neighborhood organizations. The area of the MYOB organization in Australia urge numerous organizations to receive the elements of MYOB in their business activities ( Mayasari, 2015). Current Market Size The examination led by Curtis, 2015 got some answers concerning the piece of the pie of the MYOB bookkeeping bundle. One of the essential factor that prompted an expansion in piece of the overall industry of the MYOB bundle is the highlights identifying with cloud sparing. As per this exploration, more than 26,000 SMEs have embraced the utilization of MYOB bookkeeping programming, this speak to 60% of the Australian market (Curtis, 2015). Pioneers of MYOB Accounting programming Little Medium Enterprise are the essential chiefs who have embraced the utilization of MYOB bookkeeping programming, they use it since it make a superior business condition that improves wellbeing business rivalry. Upper hand of MYOB The essential part of MYOB picking up the upper hand over different organizations is a result of its capacity to work on the web and disconnected and in this manner permitting the Small Business Enterprise to gain admittance to numerous customers. Difficulties of utilizing MYOB Independent venture Enterprises neglects to receive completely on the new bookkeeping framework in view of the security factors. The MYOB bookkeeping programming is to a great extent exposed to security achievements, for example, hacking. As per Arcega, Datinguinoo, and Manongsong, 2015, an estimation of 46% of MYOB bookkeeping bundles are influenced by hacking. Absence of prepared staff likewise is as yet a major test to the SMEs in Australia. The private venture association are prescribed to guarantee that they introduced the appropriate security framework, for example, firewall and utilize experience work force. Intuit Quickbooks Sccounting Software History QuickBooks bookkeeping programming is a typical bookkeeping framework that is utilized by both SMEs and enormous business endeavors. It was created by Intuit Company in 1983 by Scott Cook, the advancement of this bookkeeping framework was upheld by Daniel Drew (Rosen, 2016). Improvement As indicated by Dunbar, Laing, and Wynder, 2016, QuickBooks Intuit Software was not supporting the twofold passage money related sections; it was created and improved by the organization. The improvement of QuickBooks Intuit Software was bolstered by the arrival of new items and administrations gave by the Intuit Software organization (Dunbar, Laing, and Wynder, 2016). The work process in numerous association in Australia was decreased by over 40% as a result of the proficiency and viability of QuickBooks Intuit Software. The new form discharged in 2003 was to work as per the authoritative business activity, with its main role of diminishing the work process just as limiting the conceivable bookkeeping blunders. Appropriation QuickBooks Intuit bookkeeping bundle was the primary component of the vital data framework utilized by the organizations, it was acknowledged by numerous SMEs since it was started and proposed by the central legislature of Australia after the presentation of GST approach. As per Rajasa, and Faturachman, 2015, SMEs in Australia have improve consistently on account of the selection of the QuickBooks Intuit programming ( Rajasa, and Faturachman, 2015) Current market Size Lambert, and Bee, 2015 in their Journal demonstrated that enormous number of SMEs in Australia are utilizing the QuickBooks in their business exercises. It is evaluated that, 33,000 organizaiton in Australia are utilizing the QuickBooks bookkeeping framework, this shows the piece of the overall industry of QuickBooks Intuit is as yet developing (Lambert, and Bee, 2015). As per Supratim Adhikari 2015, one of the innovation editors, showed that Australia is the Intuit quickest developing region. Her report demonstrates that Australia has over 300% piece of the overall industry of QuickBooks. Pioneers of QuickBooks The QuickBooks bookkeeping programming in Australia is generally utilized by the Small Medium Enterprises, the independent company association foresees to improve their business relationship with their customers. Sholto Macpherson demonstrated that the SMEs use QuickBooks bookkeeping programming to build up a string client relationship. Upper hand of QuickBooks As indicated by Jones, and Jones, 2016, they clarifies the upper hand of QuickBooks bookkeeping framework and its significance to the organization budgetary activities. Their discoveries show that Small Medium business picks up the upper hand of the QuickBooks in light of the fact that they expect to track and screen their business benefits, and other related activity, the organizations can identify any deviation or the difficulty that may the influences the business activity, where the elective arrangements are given (Arcega, Datinguinoo, and Manongsong, 2015). Difficulties of QuickBooks Accounting Package Among the difficulties of is absence of prepared subordinate to utilize the Intuit bookkeeping frameworks. Association manageme

Kjlk free essay sample

It would be ideal if you don't hesitate to utilize extra sources to enhance your assignments. All through the semester, you will be urged to examine any present business news with the class, particularly on the Discussion Board. It is essential to be educated of the present outer condition and how your association is influenced. Inventory Description Process and task the board and advancement of utilitarian methodologies to make an incentive for a business and their purchasers; the executives apparatuses and approaches for dissecting activities and applications to a wide assortment of administrative decisions.Credit: Three hours. Course Learning Outcomes and Objectives Learns Eng Objectives: To assist understudies with understanding their associations in todays changing operational condition. *To help understudies to decide how to turn out to be increasingly viable experts in their condition. * To reinforce understudies certainty as they direct and adapt to the complexities of progress. Learns Eng Outcomes: * Students will have the option to basically think about the boundaries and open doors for effective hierarchical change. We will compose a custom paper test on Kjlk or on the other hand any comparative point explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page Understudies will exhibit successful correspondence while talking about operational results. * Students can clarify the effect of arrangement for association missions and operational arranging. Understudies can talk about the advancement of administration and the significance of both the inner and outer client. * Students can know about the significance of ceaseless improvement in the activities of their associations. Inability Us port Policy Statement: Texas Womans University looks to give proper scholarly acclimations to all people with disabilities.This University will agree to all relevant government, state, and nearby laws, guidelines, and rules, explicitly Section 504 of the Rehabilitation Act of 1 973, and the Americans with Disabilities Act (DAD), concerning giving fitting scholastic changes in accordance with bear the cost of equivalent instructive chance. It is the obligation of the understudy to enroll with and give clinical check and scholastic timetables to Disability Support Services (ADS) toward the start of every semester and no later than the second seven da y stretch of school except if in any case dictated by the coordinator.The understudy likewise should contact the employee in a convenient way to orchestrate suitable scholarly modifications. For additional data with respect to Disability Support Services or to enlist for help, if you don't mind contact the workplace at 898-3835 (voice), 898-3830 (ADD) or Visit 105. Scholastic Dishonesty approach: Academic honesty is the establishment of the scholarly network. Since every understudy has the essential obligation regarding being scholastically legitimate, understudies are answerable for perusing and seeing all segments in the Student Handbook (p. 3-55) identifying with gauges of direct and scholastic life. Scholarly contemptibility incorporates cheating, copyright infringement, conspiracy, manufacture, adulteration, and misrepresenting scholastic records, and different acts deliberately intended to give uncalled for favorable position to the understudy, or potentially the endeavor to submit such acts. Understudies who disregard college runs on scholarly snootiest are dependent upon disciplinary punishments, including the chance of disappointment or expulsion from a course, disciplinary probation, or potentially excusal from the University. See subtleties in the accompanying URL: http://www. Two. Du/o-SSL/Stultification/sedimentations. HTML Other assets identifying with scholastic genuineness and Plagiarism: 1. The Library has another video instructional exercise on written falsification. On the librarys landing page (http://www. Television. Due/library/)- (on the right), or all the more explicitly http://www. Two. Due/library/instructional exercise/copyright infringement/player. HTML 2. The Library likewise has a decent Powering introduction on a similar point http://www. Two. Due/as/overwhelms/shared/instruments/written falsification. PPTP). Assignments General data: All assignments are expected at 1 :pm on the due date. Late assignments won't be accepted.If you experience a circumstance where you won't have the option to finish a task on schedule, if you don't mind let us know at the earliest opportunity. On the off chance that we don't get notification from you, we will accept that you decided not to finish the task and will get a score of zero. The Case Studies and the Book Assignment are printed for evaluating and should be submitted as joined word reports through the connection under the individual task (Note: click on the task name) and might be submitted preceding their due dates. You may utilize extra sources to enhance your assignments.You might be permitted one endeavor while presenting your assignments by means of Blackboard, so please audit your assignments cautiously before submitting. As an understudy in this course, it is your obligation to present the right and finished task. Try not to send extra entries to the email we have constrained email space and the inbox can get over-burden. On the off chance that we can't open your assignments, you will be reached through email. Task organizing: Assignments must be composed in 12 point text style (Times New Roman), utilizing 1 inch margins.Please incorporate your name, class number, area number, and the task number on each page in a header. In the event that you don't give this data on your report, 10 focuses will be deducted from your task grade. Conversation Board Questions: Answers to Discussion Board questions are expected at 1 :pm on the due date. Questions can be found under the Discussions tab on Blackboard. Notwithstanding your unique reactions, answer to in any event 2-3 understudy posts for each question by the Forums due date. It would be ideal if you make a point to give separate sections to each post you submit.Case Studies: Five (5) Case Studies will be expected all through this course. If you don't mind total the inquiries for the five Case Studies; they can be found toward the finish of the sections in your MOM eBook. Contextual investigations have arrived at the midpoint of between 2-3 pages long. Book Assignment: Your Book Assignment will be over the book Good to Great by Jim Collins; you should buy this book. To increase a more profound comprehension of the key ideas saved in the book, get ready composed reactions to any four (4) of the six (6) questions recorded underneath. For every reaction be mindful and concise however not superficial.This is a huge task and ought to have thought, application, and mirror that you have without a doubt perused the book. Book assignments have arrived at the midpoint of between 5-7 pages long. 1. 0 Level 5 Leadership Which is more enthusiastically to develop inside yourself: modesty or will? 2. 0 Who First? On the off chance that pay isn't the essential driver for the opportune individuals on the transport, at that point what are the essential components in getting and keeping the correct individuals on the transport? What job does remuneration play? 3. 0 Confront the Brutal Facts Do you have any warning systems throughout your life or association? What thoughts do you have for new ones? 4. 0 Hedgehog ConceptWhich is increasingly significant for an association, the objective to be the best at something, or practical comprehension of what you can (and can't) be the best at 5. 0 Culture Of Discipline Think oft individuals: One being somebody who just considers his to be her activity as a vocation and the other who comprehends that the person has a duty. How does the distinction run its course in their work? In their own life? What would it be a good idea for us to search for in finding such individuals? 6. 0 Technology Accelerators Why is there so much promotion and dread about new innovations, and what would you be able to do to see new advancements with target composure?

How to Write College Essays With Children

How to Write College Essays With ChildrenIf you are one of the many parents that has a writer son or daughter, or even if you are a mother or father who is confused about what to write for college essays, then you will want to take some time to learn how to write college essays. This will enable you to explain your thoughts in the most simple and clear manner possible.While you can use eBooks and other resources to help you write college essays, this will not be the best way to go. You will want to do this with a parent writer because you will want your child to write their own essay and you need to be sure that it is actually his or her opinion being expressed. It would also be better to let your child have a say in how the essay is written rather than letting him or her write on his or her own.For parents that want to be able to discuss things such as sex, alcohol, and drugs with their kids, or want to discuss politics with their children, then you will want to be sure that you giv e enough time to yourself to write college essays for your children. One thing that you will want to do is review your opinions of these subjects with your child. Let them know that you have changed your views about some of these subjects and want to have them participate in the process. Also, be sure that you do not criticize their teachers or school for not allowing them to do certain things.When you are reviewing your opinions of these subjects, take a look at how your student will feel about doing things. Are they going to be scared that they will get in trouble for doing it? Think about how it would make your child feel if they did get in trouble for doing something that you think should be allowed.This will help you to learn how to write your own college essays and help your child to do the same thing. It will also help you to understand that if your child is able tofeel as comfortable as possible discussing these topics with you and knowing that you are not going to be judgin g them.This will also help you to avoid the topic of sex when you are writing college essays. Make sure that you are clear about this and just let your student's own feelings come out in the essay. Keep in mind that you will want to use less profanity than you will want to use in your adult writings because the children may not understand what this means.Finally, you will want to think about how you can add fun to your child's college essays. As long as you remember the saying 'write what you know,' then you can easily see how to do this.There are many parents that are unsure about what to write for college essays. For those who are unsure about what to write, you should try reading something that relates to the topic at hand. This will help you to feel more comfortable and will ensure that you do not get too stressed out during the process.

Effects Of Binge Eating On Eating Disorders - 969 Words

Purging Disorder is characterized by recurrent purging (self -induced vomiting, misuse of laxatives, diuretics, or enemas) to control weight or shape in the absence of binge eating episodes. (Forney, Haedt-Matt, Keel, 2014) There are many behaviors associated with purging disorder such as binge eating which leads to loss of control, or overeating in anorexia nervosa. (Goldschmidt et al., 2015) Sociocultural and psychiatric factors are also believed to be important in the subject of weight concerns, dieting, and unhealthy weight control practices. (Simone et al., 1996; Symth et al., 2008) Binge eating is the strongest predictor of purging, loss of control, and overeating. Each were associated with a higher likelihood of purging than non-pathological eating. (Goldschmidt et al., 2015) Researchers had participants trained in how to record mood, stressful events, and behavior for event contingent (completed after any eating episodes or anorexia nervosa behaviors such as binge eating and purging), interval-contingent (nightly assessments) and signal-contingent recordings (completed response to six daily semi-random prompts by investigators occurring every 2-3 hours. Participants recorded their behaviors and results showed that purging (in the absence of loss of control, and/overeating) may serve to regulate negative affect in a similar way as binge eating. Purging may simply delay the experience of a negative mood. Both loss of control and overeating appeared to be importantShow MoreRelatedEffects Of Anorexia Nervosa And Binge Eating Disorder ( Deans )1808 Words   |  8 Pagesyou look on popular social media sites such as Facebook, Twitter, Instagram, and Tumblr you can see dieting advertisements or a picture of a way to skinny model or even a quote that praises eating disorders. The most common eating disorders today are bulimia nervosa, anorexia nervosa, and binge eating disorder (Deans). Although these terrible diseases are just recently being researched and cured, there have been cases documented all the way back to the eightieth century (Deans). The most researchRead MoreEssay On Binge Eating1187 Words   |  5 PagesBinge eating is something we all do at least once, especially around the holidays. Just because someone over eats every once and a while does not mean they have Binge Eating Disorder. According to Mayo Clinic Binge-eating disorder is disorder is a serious eating disorder in which you frequently consume unusually large amounts of food and feel unable to stop eating. (Mayo Clinic) Some people think that binge eating and over eating are the same thing, they are not. â€Å"Overeating is a behavior that everyoneRead MoreBinge Eating Disorder Essay examples939 Words   |  4 PagesIntroduction According to the Merriam-Webster online dictionary, binge eating is defined as uncontrolled compulsive eating, especially as a symptom of bulimia or binge eating disorder(BED). Individuals, who suffer from a (BED), usually, consume, abnormally large amounts of food, quickly. The condition causes sufferers to eat until they are painfully full. we live in a society that accepts encourages overindulging . Therefore, there are probably several occasions on which we eat more than we shouldRead MoreBinge Eating Disorder: Learning The Differences Between1461 Words   |  6 PagesBinge Eating Disorder: Learning the Differences Between Disorders, and How to Spot and Treat it Whether one is skinny or fat, one can suffer from an eating disorder. Eating disorders can be difficult to manage, one specifically being binge eating disorder. Binge eating disorder is an eating disorder in which one compulsively overeats, or is unable to stop eating large quantities of food, at least twice in one week, over a period of six months (Binge Eating Disorder, 2014). Binge eating is moreRead MoreAnnotated Bibliography On Eating And Eating Habits Essay1195 Words   |  5 Pagesfollow up with and eating disorder examination. The results showed that those who ate in the evenings had a decrease in binge eating and purging. This article was beautifully written and contained plenty of research to back their findings. Chat Group Therapy For Bulimia Nervosa This article is about the effects of therapy on patients that have Bulimia and are going through Bulimia abstinence. The study was done on about 150 patients to see if there where similarities in purging and eating habits. The studyRead MoreBinge Eating Disorder ( Bed )1245 Words   |  5 PagesBinge eating disorder (BED) is an eating disorder that is characterized by recurrent binge eating, without the use of compensatory behaviors such as purging, as seen in those with bulimia (Striegel-Moore Franko, 2003). Anyone can over eat from time to time, it is excessive and out of control overeating that crosses the line towards BED. Those who binge eat are known to have a variety of health problems, both mentally and physically. The chronic, recurrent bingeing associated with BED has beenRead MoreBinge Eating Disorder And Obesity1248 Words   |  5 PagesBinge eating disorder, also known as BED or compulsive overeating, is a serious disorder that is characterized by a recurrent, irres istible urge to overindulge or binge on food even when you are painfully full. We reveal how and why it becomes a problem, and what you can do about it. It is normal to overeat from time to time, but when it comes to binge eating, the urge is persistent and seemingly uncontrollable, and is usually accompanied by feelings of shame and guilt. Binge eating disorder, justRead MoreThe Three Main Types Of Eating Disorders1305 Words   |  6 PagesEating Disorders The three main types of eating disorders: anorexia nervosa, bulimia nervosa, and binge eating, are complex pschyatriac disorders. The classification and diagnosis of each disorder is challenging because diagnostic symptoms and behaviours overlap. These disorders consist of various biological, psychological and sociological factors. They frequently coexist with other illnesses such as depression, substance abuse, or anxiety disorders. (ANAD) Eating disorders are commonly associatedRead MoreEating Disorders : Deterioration Of The Mind1117 Words   |  5 PagesEating Disorders: Deterioration of the Mind By: Genevieve Narkiewicz Advance Placement Psychology Mr.Cuetara May 4th, 2015 Abstract Eating disorders are in no way, to be considered â€Å"no big deal†. It affects the lives of many poor unsuspecting human beings and in some cases, fatally takes lives. This topic presents many things that most people don’t know. Such as the fact that bulimia nervosa has similar symptoms to using the drug heroin! Rotten teeth, pale and dry skin, and even failingRead MoreEssay on The Dangers of Eating Disorders795 Words   |  4 PagesThe Dangers of Eating Disorders How a person perceives their body is influenced by what it looks like to them and what it looks like to others. Our society teaches us through media and social pressure that body image is important. Feeling attractive is an important part of self worth and for many, feeling attractive means matching a certain ideal appearance. Most of us will never be able to look like this ideal, but the message we get is that we risk social failure if we do not try

The World Are Victims Of Human Trafficking - 1566 Words

It is estimated that more than 20 million men, women and children around the world are victims of human trafficking citation?. The United States is one of many countries that is a source and destination for these men, women and children of all nationalities. When most think of human trafficking, most think of sex trafficking. There is more than one way to traffic a human being though, whether it be through forced labor, debt bondage, or forced serving. Citation?. The first thing I asked myself before starting this paper was â€Å"I know it is happening everyday but because it doesn t happen around me (that I know of), where is it happening?† The answer is brothels, massage parlors, street prostitution, hotel services, hospitality,†¦show more content†¦It is like a push-pull effect. People in poverty need money or status and these rich individuals know how to get them what they want and use them to their own advantage. Citations? The Borgen Project website said it best â€Å"Vulnerable people seeking better conditions for themselves and their families can be trafficked through job offers, training and false economic opportunities† (Wright, 2015, para. # 4). Runaway children are the biggest victims when it comes to trafficking, whether it be sexually or for jobs because they don t have anyone to look after them and are easy to make disappear. Although, that is not to say that people with parents to look out for them do not end up in terrible situations as well. Most laws in other countries are used against trafficking victims, not for them. In Italy, laborers brought in illegally can be put in jail, fined and deported as immigrants but anywhere else overseas, trafficking victims can be charged and jailed for prostitution. Laws change all the time in these impoverished areas are improving, but the pace is slow. Citations? Description of the policy In order to help the growing and widespread issue of trafficking, members of the international community have come together and established new laws to the Transnational Crime Commission that has banned trafficking and results in the Palermo Protocol,

Disney Channel Star Demi Lovato Essay - 2258 Words

In 2010, Disney Channel star Demi Lovato, age 18, began a hard journey of rehabilitation due to the eating disorder, bulimia nervosa, which causes one to binge eat and then purge because of poor body image. She has suffered since she was a child with bulimia nervosa because of heritability and social pressures. Demi’s mother and grandmother both suffered from bulimia, so it became Demi’s way of life. Not only was her eating disorder influenced by her genetics, but also because of the beauty pageants she participated in when she was younger. Eating disorders among celebrities aren’t out of the ordinary because of the constant fear of being removed from the public eye due to unsightly weight gain. They must hold up a certain image to stay â€Å"on top† and many believe they can’t without either remaining a constant weight or losing the excess. Teenagers are constantly bombarded with media on how to dress, how to act, and who to hang with to be considered â€Å"cool.† As stated by the Common Sense Census, the amount of time teenagers spend on some form of media is on average nine hours. More than half of the hours they are awake is spent consuming media, making them vulnerable to the ideas of the media. In recent years, the number of teenage girls that suffer from eating disorders has increased drastically due to this increase of media exposure, but it isn’t so much the amount of exposure as the kind of exposure. The question of how much influence media has on eating disordersShow MoreRelatedDemi Lovatos Credibility510 Words   |  2 Pageselectronics. Demi Lovato shows why credibility is an important quality and how their actions can affect it. Demi Lovato’s career started when she was six years old on the children’s show Barney Friends (Demi Lovato’s Career). She was on the show for two seasons. In 2006, Lovato had a couple small roles on different televisions shows. She also starred is Disney’s television short-series As the Bell Rings in 2007 for one season. Lovato’s first big break was in 2008 when she starred in the Disney ChannelRead MoreFrom Britney Spears And Justin Timberlake1787 Words   |  8 PagesBrothers and Miley Cyrus, the Disney Machine has produced numerous superstars that continue to be relevant in todays pop culture. No other empire has managed to produce talent quite like Disney. So, how does the Walt Disney Company do it? They combine fresh new talent with money, power, and a ton of control to produce shows and artists that are constantly influencing pop culture. A large number of today s pop stars are tied to Disney in one way or another. The Walt Disney Company is a multi-billionRead MoreDemi Lovato is the daughter of Patrick Lovato and Dianna Lovato. She casted in a few television1200 Words   |  5 PagesDemi Lovato is the daughter of Patrick Lovato and Dianna Lovato. She casted in a few television shows and one of it was â€Å"Camp Rock† from Disney musical TV movie (2006) which was the starting point of her singing career. Her first single â€Å"Get Back† was released in 2008, and 2 years later, Lovato released her second album â€Å"Here We Go Again† which rated first on Billboard Hot 200. However in 2010, Lovato has been diagnosed with nervous breakdown and she went for rehab in order to treat her severe depressionRead MoreDisney Corporttion ´s Negative Influence in Children via their Kid Programs626 Words   |  2 Pagescartoon shows such as Mickey Mouse has now changed into a profit driven corporation. With TV shows, movies, clothing lines, toys, CDs, books, and theme parks, Disney is creating billions in revenue. However, the profits are at the cost of the youth. One way the youth are being harmed is children are absorbed in watching television shows that Disney plays daily. The amount of time spent watching television has increased in the years, while the amount of time spent playing games outside has decreased. BecauseRead MoreTeen Violence Essay2144 Words   |  9 PagesGale could reach higher levels of anger issues and hurt others as well as himself. Richard Gale is not the only world-renown celebrity that has been a victim to bullying. In September of 2011 during an interview with Ellen Degeneres, Demi Lovato, a Disney channel star, admitted that because of teen violence, she resulted to bulimia and anorexia to feel better about herself. The types of bullying that pushed her to these limits were not only cyber bullying, but abusive relationships between her andRead MoreEating Disorders And The Media3374 Words   |  14 Pagesorder to get a job and to play the certain role. This immaculately high standard is then filtered down to the viewers of the shows and movies that the actors and actresses star in. Movie star Rebel Wilson, known more recently from â€Å"Pitch Perfect†, is known for being proud of her larger frame and says about other, thinner stars in her field â€Å"You see other actresses who are like ‘Oh I can’t really eat much lunch today because I’ve got that scene in my underwear’à ¢â‚¬  (â€Å"10 Female Celebrities Who Have AmazingRead MoreWomen and The Church: The Madonna/Whore Complex1629 Words   |  7 PagesMadonna/Whore complex for the current generation. Most recently we have seen this occur with young, former, female Disney stars shedding their innocent skin to become sexual icons or daring rockers. Disney stars like Miley Cyrus, the girl who rarely wears clothes, Selena Gomez, who is receiving more mature yet sexual roles in films, and Demi Lovato, a dark rocker who is honest with topics Disney would never discuss are just a few examples. These women make achieving the Madonna/Whore status look easy. TheyRead MoreHistory of Disney Land2503 Words   |  11 Pagespaper will discuss the history and development of Walt Disneyland and Walt Disney himself. It will describe Walt Disney’s life and what gave him the idea to start such an amazing and magical kingdom. You will understand the reasons on why Walt decided to open up another park in the United States and then all over the world. Such an amazing park with so much history helps explain some of the secrets that Disneyland and Disney World posses. July 17, 1955 was the day the magnificent park was opened to

Architecture Thesis Essay Example For Students

Architecture Thesis Essay Aesthetics and architecture Urban design theory Culture and architecture Landscape architecture Architectural theory Vernacular architecture After choosing one particular subject of your architectural thesis, you will have to develop an architecture thesis topic. You will find a list of architecture thesis topic below. Architecture Thesis Topics These architecture thesis topics will enlighten and broaden your vision of architecture thesis topics. This list of architecture thesis topics contains: The Interaction of Reinforced Concrete Frames and Architectural Form Subjected to Earthquake Effects Design of a planar mechanism for external sun shading systems Analysis of Planar Bar Mechanisms in Architecture Instrumentalists of Natural Science for the Reconstruction of Architectural Knowledge Aesthetics and architecture Scheduling Problems in Architectural Design Process An Evaluation of Junction Details with Transparent Sheets in Furniture Design Determination of Place Concept in the Reproduction Process of Built Environment An Analytical Study of the Design Potentials in Kinetic Architecture Using Machine Learning Techniques for Early Cost Prediction of Structural Systems of Buildings Day lighting Evaluation in Office Buildings Construction of Time Conception in Architectural Realm: Siegfried Gideon and Space, Time and Architecture Architecture Thesis Outline This architecture thesis outline reveals that how you should structure your architectural thesis. Architecture thesis topics introduction Thesis statement Methodology chapter Research procedure explanation . Results evaluation Architecture thesis conclusion Architecture thesis bibliography Architecture Thesis Statement Sample It is a sample thesis statement to help you so that you can have a clear idea of how to write an architecture thesis statement. In various cities throughout the country there is an ever mounting amount of urban spread out in shape of commercial and retail growth. Huge retail chains are in search of the best openings to sell their commodities and services. As this countrys population grows, there is also a rise in housing need. Our suburban communities are rapidly turning into large towns and ultimately cities. There is a raise in required infrastructure, tax base, and growth. Regrettably, it seems that much of this development is leaving behind some of the original town centers and main streets. Small shopping centers are being replaced with large box stores and vast seas of pavement. Buildings that housed banks, gas stations, and the local barber shop are being left behind, surplus shells that are no longer pleasing to their paying guests. Recent years have shown great demand and interest in the recycling, conservation, and expansion of long unoccupied urban areas of internal city. Businesses, restaurants, and artists flock to these older buildings and areas to live, work, and play. This creates a space of vacated buildings and architecture between the urban center and the ever increasing suburban development. They are being left behind. Architecture Thesis Proposal Format You need to take care of every minor point of architecture thesis since it is a crucial step that will lead you to further success.

Abnormal psychology fetishism, transvestic fetishism, sadomasochism, voyeurism, exhibitionism, and pedophilia

Abnormal psychology focuses on abnormal behavior and psychopathology in individuals. Paraphilia disorder is among such abnormal behaviors. This term entails wide ranges of obsession related to sexual abnormalities, depression and other disorders.Advertising We will write a custom essay sample on Abnormal psychology: fetishism, transvestic fetishism, sadomasochism, voyeurism, exhibitionism, and pedophilia specifically for you for only $16.05 $11/page Learn More Psychologists interested in studying behavior of individuals use observable behaviors to do so. Psychologists try to reinforce positive behavior in individuals with abnormal behavior. Conversely, they try to discourage maladaptive tendencies in people with abnormal behaviors (Sarason and Sarason, 2004). This essay shall focus on fetishism, transvestic fetishism, sadomasochism, voyeurism, exhibitionism, and pedophilia. Fetishism in Portuguese refers to obsessive fascination. Normal individuals may f ind some parts of the body attractive resulting into sexual arousal. Psychologists consider fetishism a problem when it affects the normal sexual arousal or when individuals cannot have sexual arousal without fetish bodily features or objects (Aamodt, 2012). Characteristics of fetishism disorder result from pathological assignment of sexual fantasies, fixation and certain behaviors towards fetish objects such as underwear, and high-heeled shoe among others, and non-genital body parts e.g. foot, buttocks and hair. These objects do not include vibrators and other objects designed for sexual gratifications. Individuals with fetishism disorder will only get sexual arousal from using such objects. Fetishism individuals normally smell, rub or hold fetish objects in order to derive sexual pleasure, or ask their partners to do so when having sexual intercourse or masturbating. Materials, forms, and shapes of fetish objects are crucial for fetishism individuals. This is a common disorder in male, and rarely seen in female. Fetishism individuals focus on the object and not the individual wearing that object.Advertising Looking for essay on psychology? Let's see if we can help you! Get your first paper with 15% OFF Learn More Transvestic fetishism individuals tend to have a sexual disorder exhibited by dress in clothes of the opposite sex. The desires of individuals with this disorder are to gain sexual arousal through dressing in clothes of the opposite sex or cross-dressing. Transvestic fetishism individuals must involve cross-dressing as an exclusive way of getting sexual excitement. These disorders also result into some cases of distress in individuals’ lives (Comer, 2009). Transvestic fetishism is more common in men than women. Transvestic individuals also tend to adopt clothing, items, behavior and mannerism of the opposite sex. Occasionally, transvestic fetishism individuals use dressing, and cross-dressing as a way of alleviating stress. Sado masochism characters get their sexual pleasures from actions involving pain, and or humiliation. These individuals also look from sexual pleasures from other actions too. Sadists inflict pain whereas masochists like receiving pain. However, psychologists note that sadomasochism involves either receiving or giving pain for a sexual excitement (Sarason and Sarason, 2004). Some scholars argue that sadism and masochism do not reflect true sexual context. They argue that giving and receiving pain may occur with or without consent of individuals. In addition, getting sexual pleasures in such people may not happen in some cases. As masochist likes receiving torture, sexual humiliations and beatings, sadist inflicts pain with or without the consent of an individual. Voyeurism disorder involves practices of spying on individuals involved in private behavior such sexual acts, undressing, and other private activities.Advertising We will write a custom essay sample on Abnormal psychology: fetishism, transvestic fetishism, sadomasochism, voyeurism, exhibitionism, and pedophilia specifically for you for only $16.05 $11/page Learn More Voyeur conducts his or her activities in secret without the knowledge of his or her subject. Voyeurism may include making videos and taking photos during sexual acts or when one is nude. Increased interests and obsessions in a certain subject may result into stalking of such subjects (Comer, 2009). Voyeurism has evolved in modern time and now includes television programs such The Real World and Survivor. However, in these programs, voyeurs have permission and intimately interact with individuals of their attentions and desires. Despite the knowledge of the voyeur, the original meaning of the term still has sexual connotations. Exhibitionism disorder involves exposing private parts of one’s body (buttocks, genitals, or breasts) to a friend, crowd, strangers, and public in public or semi-public places. Author ities refer to some threatening cases of exhibitionism as indecent exposure and may attract legal charges. Exhibitionism involves flashing of private body parts. Flashing may involve a non-threatening exposure of one’s’ private body parts to a person or group in circumstances not appropriate for exposure, particularly in public places or social gatherings (Sarason and Sarason, 2004). Females tend to flash their breasts as a form of exhibitionism. However, in situations where females use their vulvae and buttocks, may involve some sexual connotations. In turn, they may provoke sexual interests in their targets. Consequently, the flashers gain ego boost and become bold. Some forms of flashing have no sexual intentions such as the beads shows of Mardi Gras, nudist clubs, sharing tubs, or nude swimming. Some common forms of exhibitionism involve exposing genitals when not wearing underwear (anasyrma), letting others watch a proceeding of a sexual activity (martymachlia), a nd men display their bare buttocks (mooning).Advertising Looking for essay on psychology? Let's see if we can help you! Get your first paper with 15% OFF Learn More Men engage in the act for fun and disparagement whereas females may perform it for sexual seductions. Exhibitionism involves also running or roaming nude in public places (streaking). Finally, there are also acts of exposing a partner’s private parts in public places (candaulism) (Comer, 2009). Pedophilia disorder involves abnormal sexual interest in children. Individuals with pedophilia disorder get their sexual excitement, gratification, or arousal primarily from engaging underage children in sexual acts. Pedophiles may aim their sexual desires to children of the opposite or same sex, or both sexes. Attractions may involve children and adults alike. Psychologists consider pedophilia as a case of mental disorder. However, authorities consider such actions as child abuse and punishable criminal acts. References Aamodt, M. G. (2012). Psychology Today. Sussex: Sussex Publishers, LLC. Comer, R. J. (2009). Abnormal Psychology, 7th ed. New York: Worth Publishers. Sarason, I. G. an d Sarason, B. R. (2004). Abnormal Psychology: The Problem of Maladaptive Behavior, 11th ed. New York: Prentice Hall. This essay on Abnormal psychology: fetishism, transvestic fetishism, sadomasochism, voyeurism, exhibitionism, and pedophilia was written and submitted by user June Buck to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

Learn About the Birth Place of William Shakespeare

Learn About the Birth Place of William Shakespeare Its no secret that William Shakespeare was from England, but many of his fans would be hard pressed to name exactly where in the country the writer was born. With this overview, discover where and when the bard was born, and why his birthplace remains a tourist attraction today. Where Was Shakespeare Born? Shakespeare was born in 1564  into a prosperous family in Stratford-upon-Avon in  Warwickshire, England. The town is about 100 miles northwest of London. Although there is no record of his birth, it is presumed that he  was born on April 23 because he was entered into the baptism register of  Holy Trinity Church  shortly after. Shakespeares  father, John, owned a large family house in the town center that is thought to be the bards  birthplace. The public can still visit the very room in which it is believed Shakespeare was born. The house sits on Henley Street - the main road that runs through the middle of this small market town. It is well preserved and is open to the public via the visitor center. Inside, you can see how small the living space was for the young Shakespeare and how the family would have lived, cooked and slept. One room would have been John Shakespeares workroom, where he would have tailored gloves to sell. Shakespeare was expected to take over his fathers business one day himself.   Shakespeare Pilgrimage For centuries, Shakespeare’s birthplace has been a place of pilgrimage for the literary-minded. The tradition started in 1769 when David Garrick, a famous Shakespearean actor, organized the first Shakespeare festival in Stratford-upon-Avon. Since then, the house has been visited by scores of famous writers including: John Keats (1817)Sir Walter Scott (1821)Charles Dickens (1838)Mark Twain (1873)Thomas Hardy (1896) They used diamond rings to scratch their names into the glass window of the birth room. The window has since been replaced, but the original glass panes are still on display. Thousands of people every year continue to follow this tradition and visit Shakespeare’s birthplace, so the house remains one of Stratford-upon-Avon’s busiest attractions. Indeed, the house marks the starting point of the annual parade walked by local officials, celebrities, and community groups each year as part of the Shakespeare Birthday Celebrations. This symbolic walk starts in Henley Street  and ends at Holy Trinity Church, his burial place.  There is no specific recorded date of his death, but the date of the burial indicates  he died April 23. Yes, Shakespeare was born and died on the same day of the year! Participants of the  parade pin a sprig of the herb rosemary to their outfits to commemorate his life. This is a reference to  Ophelias line in Hamlet: Theres rosemary, thats for remembrance. Preserving the Birthplace as a National Memorial When the birthplace’s last private occupant died, money was raised by committee to buy the house at auction and preserve it as a national memorial. The campaign gained momentum when a rumor spread that P. T. Barnum, the American circus owner wanted to buy the house and ship it to New York! The money was raised successfully and the house is in the  hands of the Shakespeare Birthplace Trust. The trust subsequently bought other Shakespeare-related properties in and around Stratford-upon-Avon, including his mothers farm house, his daughters town house and his wifes family home in nearby Shottery. They also own the land where Shakespeares final home in the town once stood. Today, the Shakespeare Birthplace House has been preserved and converted into a museum as part of a larger visitor center complex. It is open to the public all year.

Venture Screening Assignment Example | Topics and Well Written Essays - 750 words

Venture Screening - Assignment Example It also requires the skills and ingenuity to search and manage resources, which are often owned by other people. In any way, entrepreneurship requires considerable thought, planning and preparation. To certain extent, the modern world with its highly dynamic and changing character of technology, markets and competition among them, plays into the hands to entrepreneurship. Thus far, there is a great exertion in trying to model and see the future, as while business plan of a certain venture is designed, it can simply become obsolete (Timmons, 1999). When an entrepreneur discovers the potential of a new venture, one should reply the question if the new venture idea is able to make money. A feasibility study will help to answer such question and to assist in changing one’s new venture idea into a successful business. Such feasibility study is a certain comprehensive plan, which consists of a systematic gathering, recording and analysis of information concerning the potential succe ss of a new venture idea. In other words, it is a process screening that is used to find out business opportunities. Business plan will be worked out on its basis. Such feasibility study includes the preliminary assessment, new venture concept, market assessment, analysis of cost- profit and plans for the future actions (Bates, 2003). A feasibility study of screening is aimed to help one to screen out the ideas that have limited opportunity and allow the entrepreneur to invest one’s time, money and efforts into ideas with a potential for success.   The phase of preliminary assessment evolves evaluation and choosing of the idea of new venture and potentially generates the desired level of outcome in the desired time period. During this period personal and professional considerations are assessed in order to evaluate the needs of one entrepreneur and financial feasibility of the business idea. Here the entrepreneur figures out whether he or she wants to start a

Foreign Hospitality Industry in Switzerland Research Paper

Foreign Hospitality Industry in Switzerland - Research Paper Example   It is strategically located in the center of Europe, which ensures easy accessibility of all European markets. It is referred to as the center of competitiveness in Europe, as it plays an important function in financial markets internationally. It is also the center for many international organizations like World Trade Organization, WHO, and UN, among others. Therefore, the hotel industry can do well here as there are many potential customers who have to eat and spend in hotels.   Presence of international trading companies, law firms, and insurance companies, freight forwarding companies, security firms and surveillance firms certify Switzerland as a truly global business center. Switzerland has greatly improved over the past years as an investment center. It continually enhances foreign and domestic investments through improvement of circumstances and conditions. The improvement over the past years as an investment center is rated as follows;   Expansion of Mirvac group of hotels to Switzerland will improve the company’s reputation and image. Switzerland is an international country and presence of these hotels will ensure its loyal customers get their services, away from home. It will also make it be recognized internationally, as many foreigners come here. Therefore, it will market it internationally, and hence, investing in other countries will also be easy. Investing in Switzerland is, therefore, an important strategy for the company’s future prospects.   Globalization has had various effects on the industry of hospitality. The positive impacts are exposure to diverse cultures, large market, economic development, technology advancement, promotion of creativity, increased job opportunities, development of travel industry, and availability of international services. Exposure to different cultures will help managers in the hospitality industry to learn different cultures as they interact with people from different walks of life.

Road Accident in Kerala Essay Example for Free

Road Accident in Kerala Essay At the gun, they all started out, not exactly in a dash, but with a relish to run the race to the finish and win. All, that is, except one boy who stumbled on the asphalt, tumbled over a couple of times and began to cry. The other eight heard the boy cry. They slowed down and looked back. They all turned around and went back. Every one of them. One girl with Down’s syndrome bent down and kissed him and said, â€Å"This will make it better. † All nine linked arms and walked across the finish line together. Everyone in the stadium stood, and the cheering went on for several minutes. People who were there are still telling the story. Why? Because deep down we know this one thing: What matters in this life is more than winning for ourselves. What truly matters in this life is helping others win, even if it means slowing down and changing our course. — Origins: The story is more true than not, although its primary point has been grossly exaggerated. According to folks at the Special Olympics Washington office, the incident happened at a 1976 track and field event held in Spokane, Washington. A contestant did take a tumble, and one or two of the other athletes turned back to help the fallen one, culminating in their crossing the finish line together, but it was only one r two, not everyone in the event. The others continued to run their race. The story is thus not about an entire class of â€Å"special people† who spontaneously tossed aside their own dreams of going for gold in favor of helping a fallen competitor, but rather one about a couple of individuals who chose to go to the aid of another contestant . Unfortunately, this tale as it is now being told helps further a stereotype that deficiencies in intelligence are compensated for by unfailingly sweet natures and a way of looking at the world in childlike wonder. Special Olympians train long and hard for their events and are every bit as committed as athletes who compete in any other athletic endeavors. The Special Olympics are not a casual get-together organized to give less fortunate members of the community a day to socialize and perhaps run in a foot race or two. They’re highly organized sporting events taken very seriously by all involved, with each competitor striving to do his best. It’s about trying. And succeeding. The Special Olympics oath is â€Å"Let me win. But if I cannot win, let me be brave in the attempt. †

Essay --

Edith Corales Med 2049 Acute Renal Failure; PTX Tomie Nishime 11/11/2013 The human anatomy works is amazing in many ways and for the most part it all works together to keep a person alive. Every part of the body is essential, but the most important parts are the vital organs; hence the word â€Å"vital†. In most cases the organs start working when the baby is just in the womb but as person hits a certain milestone the body starts to have complications. Even a healthy person can start to have problems because it is inevitable to avoid harmful toxic that could have a negative effect on the body. In reference to toxic, the organ that eliminates toxics out of the body is the kidney. As stated by the National Kidney Foundation â€Å"Most people know that a major function of the kidneys is to remove waste products and excess fluid from the body. These waste products and excess fluid are removed through the urine. The production of urine involves highly complex steps of excretion and re-absorption. This process is necessary to maintain a stable balance o f body chemicals† (2013). Therefore the kidneys need to be well cared for because any damage to it can cause a malfunction; for instance, acute renal failure (ARF) reduces or completely stops the kidney’s function to filter our waste from the blood and excreting it in a form of urine. There are three different cause of acute renal failure prerenal, intrarenal and post renal. Pre-renal is a case when there is a loss of fluid in the body; for example, hypovolemic shock due to internal bleeding can cause a prerenal ARF. Pre-renal happens outside of the body because of the depletion of vascular fluid. As noted by Needham in his article â€Å"Management of Acute Renal Failure†, â€Å"Pre-renal azot... ...ve a symptom of anorexia, nausea, vomiting and pruritus. The amount of urine being excreted out of the body can be measured and in a person has a urine output of 400ml within one day then it is considered oliguria. A even serious urination complication is anuria which is the complete suppression of urine in the kidney, so no urine is being made. Reference The National Kidney Foundation (2013). Acute Renal Failure. Retrieved from http://www.kidney.org/atoz/atozTopic_KidneyDisease.cfm Needham, E M.D. (2005). Management of Acute Renal Failure. Retrieved from http://www.aafp.org/afp/2005/1101/p1739.html WebMD (2013). Topic overview: Acute Renal Failure. Retrieved from http://www.webmd.com/a-to-z-guides/uremic-syndrome Livestrong (2013). Acute & Chronic Renal Disease. Retrieved from http://www.livestrong.com/article/212266-acute-chronic-renal-disease/

New Hire Communication Essay

†¢Planning ? Define the purpose. To communicate the company culture, process, procedures, and general information for a new hire. ?Define the audience. New Hires. ?Identify the channel(s) of communication and why you selected that channel. The channel of communication that I selected for the new hire communication is email. I chose to send the new hire communication by email because it is instantly sent to the new hire at no cost to the company. †¢Writing ? Create the message. Welcome to Dutch Bros Coffee,Congratulations on your new position with Dutch Bros. We are truly pleased that you have chosen us as your employer. Since being founded in 1992, our goal remains to ensure that our customers are always satisfied with their beverage purchases. Here at Dutch Bros. , we believe in lovin’ life and keeping it positive. We strive to pass the good vibes on to our employees and customers. At Dutch Bros. We serve up a variety of beverages that can be infused with a number of different flavors. This fast paced work environment requires staff to work side by side as a team to successfully keep the line moving and the coffee and drinks flowing. Again, I want to welcome you to the Dutch family. We are truly pleased NEW HIRE COMMUNICATION 3 that you have accepted this opportunity to serve up a cup of sunshine to the wonderful citizens of Phoenix, AZ †¢Completing ? Proofread, revise, and submit. Welcome to Dutch Bros Coffee, Congratulations on your new position with Dutch Bros. We are truly pleased that you have chosen us as your employer. Since being founded in 1992, our goal remains to ensure that our customers are always satisfied with their beverage purchases. At Dutch Bros. We serve up a variety of beverages that can be infused with a number of different flavors. This fast paced work environment requires staff to work side by side as a team to successfully keep the line moving and the coffee and drinks flowing. We strive to pass the good vibes on to our employees and customers. Here at Dutch Bros. , we believe in lovin’ life and keeping it positive. We expect our employees to arrive on time at work in clean casual clothes and a positive work attitude. Again, I want to welcome you to the Dutch family. We are truly pleased that you have accepted this opportunity to serve up a cup of sunshine to the wonderful citizens of Phoenix, AZ Kelli Woodruff NEW HIRE COMMUNICATION 4 References Dutch Bros Coffee. (1992-2014). Retrieved from http://dutchbros. com/AboutUs/.

The Financial And Operational Consequences Of An Acquisition Finance Essay - Free Essay Example

Sample details Pages: 15 Words: 4437 Downloads: 2 Date added: 2017/06/26 Category Finance Essay Type Research paper Did you like this example? I have chosen to write on the topic number 19, an Analysis of the Financial and Operational Consequences of a Merger between the SSB Bank and the Societele General. The pre-merger and post-merger periods between 2002 and 2008 where information was available was also considered. This report examines in detail the performance of the SG-SSB bank as compared to its rival bank, HFC bank. 1.2 REASON FOR THE CHOSEN TOPIC Acquisition has become one of the most common and recent business strategies that most businesses have adopted to sustain and enhance growth in their companies. Recently, it is up-surging in most financial institutions such as the bank. In Ghana, the SSB bank which was one of the top four banks in Ghana acquired by the Societele Generale of France. The financial industry is consolidating at an accelerating pace: the integration of financial markets has blurred distinctions between activities such as lending, investment banking, asset management, and insurance. Firms have reacted to the sharper competition by cutting costs and expanding in size, often by merging with competitors or taking them over. Long isolated by protective regulations, banks are among the most active players. Technological innovations and a thorough-going deregulation have prompted a wave of mergers in the banking industry throughout the world, starting in the United States in the eighties and reaching Eur ope in the nineties Focarelli et al (2002) p1047. So much has been written about the success and failures of mergers and acquisition. Almost every week we hear of both success and failure of companies going into consolidation. The acquisition of the SSB bank by the Societe Generale bank is one of the major Acquisitions in the history of the Ghanaian banking industry. Being among the top performing banks in Ghana since its incorporation, I will like to know the effect the Societe Generale bank has had on the SSB bank after the acquisition and whether it is financially viable for other financial institutions to follow suit. Don’t waste time! Our writers will create an original "The Financial And Operational Consequences Of An Acquisition Finance Essay" essay for you Create order 1.3 OBJECTIVES OF THE RESEARCH The main reason behind this research is to find out whether the acquisition of a company in this case, bank will have any financial or operational effect on the combined institutions. To get the answer to this research, the following research questionnaires have been developed in other to reach a viable conclusion; Has there been any significant change on the market size of SG-SSB bank since acquisition? Has there been any improvement in profitability and efficiency since the acquisition? Has there been any improvement on the assets quality of the bank? In terms of performance, how does the bank compare with other mirror banks? On comparing the pre and post acquisition performance of the bank and its closest rival bank the answers to the research question will be attained. 2.0 INFORMATION GATHERING 2.1 SOURCES USED AND REASONS FOR THEIR USE Ghana Banking Surveys (2007, 2008 and 2009); Much reliance was placed on the Ghana Banking Surveys (2007, 2008 and 2009) as published by the PriceWaterHouseCoopers Ltd. As a secondary source, information relating to the industrial position of SG-SSB bank amongst other benchmarking banks was sourced from here. Here, the rival bank, HFC also has its financial and operational information recorded from the Ghana Banking Survey. This information was relevant for comparison, analysis and discussion. 2009 Annual Reports of the SG-SSB bank; I read through the 2009 annual report of the SG-SSB bank plc and here the most recent information about the operating result for 2009 which was not recorded in the Ghana banking surveys was gathered and utilised. They were the basis upon which the analysis was built. Books and Journals: Books provided information and idea on what other writers have written about the topic. Some of the books being; Understanding  return  on investment and Business Finance for Managers: An Essential Guide to Planning, control and decision-making plus other books and journals relating to mergers and acquisitions. These books and journals provided me with in-depth understanding of the chosen topic. Ghana Stock Exchange; The SG-SSB bank, being a public company has been listed on the Ghana stock exchange and that I was able to read about the banks portfolio and other relevant information about the performance of the bank from its website. Director / Chairmans Statement; This was helpful in establishing the significant development of the bank since the acquisition compared to the pre-acquisition years. Internet Websites; It was much easier and quicker using the internet websites to research information. Most companies use the internet through their company websites to upload their profile and other relevant information relating to the company. In this case it becomes easier to get loads of information at one go. In this resea rch for instance, industry specific information relating to the SG-SSB bank was sourced from its website and same applies as the HFC bank. Other websites such as the PWC.com was helpful in getting the Ghana banking surveys for my analysis. Limitation; Could not get access to the pre-acquisition and some of the post- acquisition annual reports as most of them were archived in hard copy format only except for the 2009 annual report which is in the softcopy format as well. 2.2 METHOD OF DATA COLLECTION USED Library Research; General reading; Internet Websites; Primary Data Collection The only primary research conducted was the interview with one of the SG-SSB banks branch managers. This was aimed at gathering not only the past information relating to the acquisition but also the current and future prospects of the bank. Despite the limitation of the information gathered, the few provided was enough to support the objective of this research. Secondary Data Collection Limitation Ethical Issues 2.3 ACCOUNTING AND BUSINESS TECHNIQUES USED; Key performance measurement tools information relating to the pre-acquisition period was compared to the post acquisition period to achieve result and to examine whether the combined entities are better together or better apart. The following techniques were relevant for the purpose of this research and that they were relied on to reach a conclusion; Profitability and efficiency Under profitability and efficiency, return on assets net interest margin and profit after tax margin were relevant. The return on Assets (ROA); The profit after tax margin; The net interest margin Market Share Share of the industry deposit, Share of the industry total asset Industry advances. Return to shareholders Return on Equity(ROE). Assets Quality Loan portfolio profitability; Liquidity Liquid funds/ total deposits; Capital Structure and Financial Risk Net loans and advances/Equity 3.0 ANALYSIS AND PRESENTATION 3.1 OVERVIEW OF THE SG-SSB BANK LIMITED As one of the major leading banks in Ghana, SG-SSB bank since its incorporation in February 7, 1975, has been very active in the Ghana Banking industry. It started as a private limited liability company using the name Security Guarantee Trust Limited. It was then solely owned by the Social Security And National Insurance Trust (SSNIT). A year after the incorporation, the name of the bank was changed to Social Security Bank Limited and granted a licence by the Bank Of Ghana to officially operate as a bank. In May 1994, the bank merged for the first time with National Savings and Credit Bank but maintained its name as Social Security Bank Ltd. The then Social Security bank limited was listed on the Ghana Stock Exchange in October 1995. In 1997, a group of strategic investors, made up of Blakeney Management Corporation UK, Morgan Stanley, Quantum (Soros) Emerging Market Investment Corporation and others bought 52% of the banks issued shares. The Social Security bank changed its nam e to the SSB bank www.sg-ssb.com.gh. In March 2004, the Socià ©tà © Gà ©nà ©rale of France acquired 51% of the SSB banks share thus controlling the interest in the company and making the SSB bank one of its subsidiaries. The bank now can boast of thirty-eight branches across Ghana. It services extends to corporate customers, Individuals and Small and Medium Enterprises www.sg-ssb.com.gh. The Societe Generale of France is one of the leading banks across Europe and aims to be the top Brass in the banking industry in France. It operates in global investment management, retail banking and investment banking. It also extends its operations in the USA and in Africa in the francophone countries. Societe Generale has about 3000 branches in France and 5300 locations globally (www.hoovers.com)(www.societegenerale.com). 3.2 SG-SSB POST-ACQUISITION OWNERSHIP STRUCTURE The ownership structure of the bank changed as soon as the Societele Generale finished the transaction. According to information published on the SG-SSB company website, the Societele Generale holds 51% of the overall company shares whereas the Social Security National Trust Fund (SSNIT) also holds 21.61%. The remaining 27.39% is owned by Retail Shareholders. This makes Societele Generale have controlling interest in the combined entity. www.sg-ssb.com.gh 3.3 OPERATIONAL ANALYSIS Table 1 Total operating assets 2002. Gh.cedis 2003. Gh.cedis 2006. Gh.cedis 2007. Gh.cedis 2008. Gh.cedis Pre Acquisition industry ranking Post Acquisition industry ranking SG-SSB 1,602,515 194,572 3,424,257 390,220 410,692 5 8 HFC 321,027 47,125 1,024,364 155,036 364,677 12 10 Source; Ghana Banking Surveys 2007, 2008, 2009 FIGURE 1 The post-acquisition performance compared to the pre-acquisition performance of the total operating assets of the combined entity has been very unstable. This is because, as at the year before the acquisition took place, the operating performance of the assets was at 1,602,515 Ghana cedis. The next year being the year of acquisition, 2003, the operating assets were at its very low at 194,572. Despite all of these, the bank managed to surge in year 2006 at a 3424,257 cedis, but then later lowered again in year 2008. As at the pre-acquisition year that is the year 2002, the SG-SSB bank was ranked number 5 among the rest of the banks in the banking industry in Ghana. It later dropped to 8th position in the year 2008 which is after the acquisition. Comparatively, the HFC bank was at best as well in year 2006 but in year 2002, it had 321,027 whereas in 2008 it re-surged to 364,677cedis. Even though SG-SSB bank was higher in industry ranking than the HFC Bank, the HFC Bank got a positive change of ranking moving from the its 12th position in year 2002 to the 10th position in year 2008. The SG-SSB bank achieved better results as compared to the HFC bank in the pre-acquisition years than the post acquisition years. 3.4 MARKET SHARE TABLE 2 Share of industry deposits bank 2002 % 2003 % 2004 % 2005 % 2006 % 2007 % 2008 % Pre-Acquisition industry ranking Post-Acquisition industry ranking SG-SSB 8.62 7.68 7.44 6.95 6.52 5.1 3.9 4 10 HFC 0.29 0.66 0.81 1.09 1.53 1.5 1.4 18 19 Source; Ghana Banking Surveys 2007, 2008, 2009 FIGURE 2 The difference in the share of industry deposits for the two banks, SG-SSB and the HFC Banks is large. In that, the SG-SSB bank being in the 4th position in the pre-acquisition period, 2002, it had a rate of 8.62% whereas in year 2008 at a decreased rank of 10, it had dropped to a 3.9%. From the table, it can be seen that, this began to decrease just on the year of acquisition, 2003. Relatively, the HFC Bank had a 0.29% share in the industry deposit in year 2002 increasing gradually to 1.4% in 2008. Despite the up-surge, the HFC Bank could not better its rank position from the 18th position, but rather dropped one to reach the 19th position. This shows that the SG-SSB bank did not do any better in the share of industry deposits after the acquisition as it dropped in ranking. TABLE 3 Share of industry net advances Bank 2002 % 2003 % 2004 % 2005 % 2006 % 2007 % 2008 % PreAcquisition industry ranking PostAcquisition industry ranking SG-SSB 9.83 8.39 6.61 7.84 6.16 5.7 5.3 5 7 HFC 3.82 2.40 2.05 1.88 2.87 2.8 2.6 8 14 Source: Adapted from Ghana Banking Surveys 2007, 2008 and 2009 FIGURE 3 Here also, the share of industry net advances for the SG-SSB Bank has fallen to a 5.3% in year 2008 from 9.83% and 8.39% in 2002(pre-acquisition) and 2003(year of acquisition) respectively. This caused a reduction in the industry ranking from 5th position in the pre-acquisition period to 7th position in the post-acquisition period. It can also be seen that between the years 2004 and 2007, the share began to rise bit by bit but could not hold on to it in 2007 and 2008. The HFC Bank did not do very well either, as it also dropped from its 3.82% in 2002 to 2.6% in 2008 eventually falling from the 8th position in year 2002 to 14th position in 2008. This indicates that the pre-acquisition pe riod of the SG-SSB Bank was better compared to the post-acquisition period. TABLE 4 Share of industry total assets Bank 2002 % 2003 % 2004 % 2005 % 2006 % 2007 % 2008 % industry ranking-2002 industry ranking 2008 SG-SSB 9.01 8.23 7.84 8.07 7.11 5.7 5.3 5 7 HFC 1.81 2.02 1.91 1.95 2.08 2.8 2.6 7 14 Source: Adapted from Ghana Banking Surveys (2007, 2008 and 2009) FIGURE 4 The share of industry total assets for the SG-SSB Bank has not been any better than the share of industry net advances. This also had a good share of the industry total assets in the pre-acquisition year 2002, but started to drop slowly from the year of acquisition, 2003, down to the post-acquisition years. This reflects the meaning of the downward fall in the industry ranking of the SG-SSB Bank from the 5th position to the 7th position in 2002 and 2008 respectively. Similarly, the HFC bank has also fallen from the 1.81% share it used to have in year 2002 to 2.6% in year 2008. Causing a fall in the industry rank by seven (7). In the light of the above information, it can be said that the SG-SSB bank ha s not improved since the acquisition in terms of its share in the industrys total assets. The pre-acquisition achievement was better than the post-acquisition achievement. 3.5 PROFITABILTY AND EFFICIENCY TABLE 5 Return on assets (ROA) BANK 2002 % 2003 % 2004 % 2005 % 2006 % 2007 % industry rank 2002 industry rank 2007 SG-SSB 4.64 4.62 4.7 3.5 3.0 3.0 6 7 HFC 5 4.20 3.0 1.1 1.4 2.4 3 10 Source: Adapted from Ghana Banking Surveys (2007, 2008 and 2009) FIGURE 5 The Return on Assets which can be measured as the ratio of net income to total assets was also used to access the performance of the banks which participated in the survey. The Return on Assets indicates how profitable a company is in terms of its available assets. Friedlob and Pewab(1996) p225 referred to return on assets  (ROA) as a ratio measures the operating efficiency of a company and it is mostly used for investment centers. It provides evidence as to how well firm directors are using the assets they manage to generate profits. From the above, it can be seen that as at the year 2002, the return on assets of SG-SSB bank was better than two years after the two banks came together. Year 2004 was very good year as the SG-SS B bank was much more profitable than the years afterwards. On comparison with the HFC banks, it can be seen that as at the year 2002, the return on assets was 5%, this also kept decreasing until it hit its low of 1.1% in 2005 and 1.4% in 2006. In terms of industry ranking, the SG-SSB bank hit below their 2002 ranking from their 6th position to the 7th position. The HFC was at its high in industry ranking in year 2002 at the 3rd position but could not stay there for long until it reached 10th position in year 2007 TABLE 6 Net interest margin 2003 % 2004 % 2005 % 2006 % 2007 % 2008 % industry ranking-2003 industry ranking 2008 SG-SSB 13.09 11.62 11.24 10.18 8.8 9.5 2 5 HFC 10.17 9.79 8.63 7.80 9.1 6.1 6 15 Source: Adapted from Ghana Banking Surveys (2007, 2008 and 2009) FIGURE 6 According to Bitner and Goddard (1992) p265 net interest margin can be referred to as the difference between the average interest rate received on the assets and the average interest rate paid on the liabilities. This can be expressed as: Net Interest Margin= (Total Interest Income-Total Interest Expense) / Average Total Assets From the above table, it can be seen that the net interest margin for SG-SSB bank as at the year of acquisition was better than the post acquisition years. At 13.09%, the bank was ranking second in the year 2003. At time went by, it began to decline slowly to 8.8% in 2007 and 9.5% in 2008. Compared to HFC bank, they were doing well as well by having 10.17% net interest margin in 2003 bu t had a sharp decline in 2008 at 6.1% moving them from the sixth position it was enjoying in year 2003 to a lower industrial ranking in 2008 at fifteen. Here it can be said that the average total interest income for SG-SSB bank significantly outweighed the average total interest expense as at the year of acquisition which contributed to the high performance on the year of acquisition. TABLE 7 Profit after Tax Margin 2002 2003 2004 2005 2006 industry rank 2002 industry rank 2006 SG-SSB 24.3% 25.3% 27.9% 21.3% 19.9% 9 11 HFC 32.8% 42.3% 28.7% 12.2% 15.0% 2 13 Source; Ghana banking survey 2007 FIGURE 7 Profit after tax margin measures the effectiveness of a company in generating profit through its efficient monitoring of expenses. Here, it can be seen that, the SG-SSB bank performance was not very good. This could be as a result of inefficient control of their expenses. This is evidenced by their industrial ranking from the 9th position in 2002 to the 11th position. Despite this downfall in profit after tax margin, the SG-SSB bank was better efficient in year 2004 than both the pre-acquisition year 2002 and post-acquisition year 2006. In the case of HFC bank, it also went down from a good yielding percentage of 32.8% in 2002 to a 19.9% in 2006 despite its best performance in 2003 at 42.3%. Here, even though SG-SSB bank achieved better compared to HFC bank in 2006, SG-SSB bank still could have performed better looking at its merging and the injection of capital from the Societele Generale. 3.6 RETURN TO SHAREHOLDERS TABLE 8 Return on equity (ROE) Bank 2002 2003 2004 2005 2006 2007 2008 industry rank 2002 industry rank 2006 SG-SSB 29.8% 30.0% 30.6% 24.3% 20.4% 20.0% 22.3% 9 11 HFC 30.1% 24.5% 17.5% 7.1% 11.4% 26.9% 20.8% 2 13 Source: Adapted from Ghana Banking Surveys (2007, 2008 and 2009) FIGURE 8 According to the Ghana banking survey 2007, the banking Return on Equity decides on the return to be generated from the shareholders equity. The higher the ratio, the better the bank looks to be performing. Tracy J (2008) p286 explained it further by adding that the return on equity shows the amount of profit a business earned in comparison to the book value of the shareholders equity. This can be expressed as; Return on Equity= Net Income/shareholders equity. 3.7 ASSET QUALITY TABLE 9 Loan portfolio profitability 2002 % 2003 % 2004 % 2005 % 2006 % 2007 % 2008 % industry rank 2002 industry rank 2008 SG-SSB 15.28 12.11 17.33 12.60 12.98 9.11 9.9 12 18 HFC 1.35 0.02 3.19 3.70 6.14 12.33 17.8 17 4 Source: Adapted from Ghana Banking Surveys (2007, 2008 and 2009) FIGURE 9 According to Bitner and Goddard (1992) in asset quality management, much of the value of the banking process is created by able to manage credit risk and that the funds obtained from depositors are used to advance loans. The Ghana banking survey, 2007 indicates that, Loan Portfolio profitability is a measure of the performance of the classes of the loans from the bank. If the ratio is high then the performance is better for the relevant bank, in this case the SG-SSB. From the above, it can be seen that the management of the asset quality in terms of the loan portfolio has not been very good for SG-SSB but has grown to be better for the HFC bank. The SG-SSB bank had moved from a lower rank of tw elfth position in 2002 to a much lower rank of eighteenth position in 2008. This could be that the management of the different classes of the assets in the bank is not very efficient in terms of yielding profitability. Comparatively, the HFC bank continued to improve its performance in the asset quality moving from a lower industrial position of seventeenth to fourth position. 3.8 LIQUIDITY TABLE 10 Liquid funds/ total deposits 2002 2003 2004 2005 2006 2007 2008 industry rank 2002 industry ranking 2008 SG-SSB 1.00 0.95 0.97 0.85 0.85 0.63 0.41 6 19 HFC 2.78 2.24 1.84 1.21 0.64 0.61 2.01 1 2 Source: Adapted from Ghana Banking Surveys (2007, 2008 and 2009) FIGURE 10 The Ghana banking survey 2007 indicates that, the Liquid funds/ Total deposits decides the cover of the liquidity provided by the SG-SSB bank to meet with its maturity and withdrawal of the bank deposits. Here the higher the ratio the better, as at year 2002 the SG-SSB had a good liquidity funds to total equity at 1 but then began to decrease. The year 2008 it declined to 0.41 with an industrial ranking of 19th position, which indicates that SG-SSB bank was not performing well after the merger. On comparing this with the mirror bank, HFC, the HFC bank performed outstandingly better than the SG-SSB bank in both years 2002 and 2008 having a 2.78 a nd 2.01 liquid funds to total equity respectively. This outstanding performance positioned the bank in the industrial ranking at first position in 2002 and second position in 2008. 3.9 CAPITAL STRUCTURE AND FINANCIAL RISK TABLE 11 Total assets/ equity 2002 2003 2004 2005 2006 2007 industry ranking-2002 industry ranking 2007 SG-SSB 6.61 6.40 5.53 5.54 6.38 7.15 5 18 HFC 6.08 5.75 6.11 6.69 9.91 12.37 4 9 Source: Adapted from Ghana Banking Surveys (2007, 2008 and 2009) FIGURE 11 This measures the financial leverage and the long-term solvency and can be expressed as; Asset to Equity = Asset/Equity In other words this represents the overall assets of a company divided by the value of its owners equity. From the above, it can be seen that as at the pre-acquisition year 2002, the SG-SSB bank had a good leverage and that its total assets to equity was better than the current in year 2007 despite the great performance of the HFC bank in both the pre and post acquisitions periods. In this ratio, the lower the ratio the better the performance of the company in question, the HFC was able to maintain its lead over the SG-SSB bank even though it h ad fallen from the fourth position in year 2002 to the ninth position in year 2007. Comparing this with the post-merger performance on 2007, the SG-SSB bank drastically fell to its eighteenth position in terms of the industry ranking in 2007 3.10 INTERVIEW WITH BRANCH MANAGER In an interview with one of the branch managers of he explained that the main reason why the bank went into merger with the French bank Societe General was because as at that year of acquisition, 2003, the Government of Ghana wanted to withdraw its shareholdings from the former SSB bank and so the bank needed some financial funding to be injected into the bank as the Government withdraws its shareholdings. It was also revealed that apart from the injection of cash into the bank by the Socià ©tà © Generale, the bank also undertook to lay-off about one-hundred and twenty staff and three senior management staffs but the effectively trained the retained staffs and improved the staff welfare. He also said that unfortunately despite the huge injection of cash to fuel the going concern of the combined entity, the size of the customers was very much affected adversely after the merger and this is due to high competition and better facilities being offered by other immerging mirror banks. In general, he described the overall performance of the bank compared to the pre-merger years as weakening and that if there should be any improvement in the bank again the market size and the profitability should be improved. He however refused to comment on whether the bank was enjoying any reliefs from the inland revenues services in terms of taxation. He also said that on comparing the SG-SSB bank with its rival banks like the HFC bank (the mirror bank in this research), the Barclays Bank of Ghana and the Standard Chartered bank, the SG-SSB bank will need to back up to improve its market shares. He considers the pre-merger years as much more effective than the post merger years. OPERATING RESULT FOR 2009 Despite the growing concern of the world economic downturn and the extensive loss of consumer confidence in year 2009, the 2009 annual report recorded that the SG-SSB bank exhibited a good financial performance in that year against the challenging banking industry in Ghana. It recorded a net profit before taxation of 26,909,570GHcedis and a net profit after tax of 19,293,069GHcedis. As at that same year of the recession, SG-SSB bank was able to record an increase in the net banking income by 18.75%. Sadly, the current operating expenses grew by 23.8%. The shareholders funds also experienced an increase from 69,671,327GHcedis to 110,193,426GHcedis representing a surged of 58.16%. The share price of the bank as at the beginning of 2009 was better at 1.15GHcedis per share nonetheless in the second half of the year it fell to 0.58GHcedis. Here the chairman indicated that this was because the bank had a recapitalisation in that period. Unfortunately, as at December 2009 the sha re price had further fallen from its unwelcomed 0.58GHcedis to 0.46GHcedis. SIGNIFICANT POSITIVE CHANGE- CURRENT YEAR (2009) COMPARED TO THE PRE-ACQUISITION YEARS The Managing Director of the SG-SSB bank also indicated in his statement that the bank has initiated some development plans to achieve a good competitive ground and to attract new customers while improving credits and deposits. These development plans had already started in the year 2009 some of which are; Significant Milestones for the year 2009; Compared to the post-acquisition years, one of the positive impact the Societele Generale brought in the bank was able to increase the banks equity base from 7,000,000GHcedis to above 60,000,000GHcedis, a figure high and above the required threshold of the Bank of Ghana. Effective risk supervision continues to be active in the bank since the and that the bank has added some new functions to ensure the permanent supervision and compliance with the anti-money laundering and Business continuity plans. There was the full integration of all the functions in the year 2009. Further to this, the Managing director also affirmed that the q uality of the banks credit risk assessment is continually being maintained at a good level compared to the pre-acquisition days. There has also been developments in organisation and project management, here unlike the pre-acquisition years, the bank took part in a projects initiated by the Central Bank called the Cheque Codeline Clearing and Automated Clearing House. As confirmed by the branch manager in his interview, the managing director affirmed that since the acquisition of the bank by the Societele Generale, there has been a positive drive in the human resource management where the HR department has effectively encouraged management trainee programmes to attract and hire graduates for leadership positions in the bank. This training will in the end impact significantly and positively in the market share of the bank. 4.0 CONCLUSION The main reason behind this research is to identify the financial and operational consequences of a merger between the SSB and the Societele Generale banks. From the available information as published by the PriceWaterHouseCoopers ltd, it can be seen that, the Market share performance in terms of the share of industry deposits and share of net advances had declined and that shows that the combined entities are not enjoying the benefit of synergy in terms of the size of their market share and power as discussed by Khan and Jain (2006) p17.3, where they said that Synergy should add value to the business by the enlargement of the market share rather than decreasing it. More so, the return on assets, net interest margin and the profit after tax margin all started to decline just after the merger. This is because, when the level of market share of the combined entity has decreased, and consequently it will adversely affect the level of profitability as well. The amount of profi t the SG-SSB bank has been enjoying declined as it is not able to get enough out of the owners equity, hence the decrease in the return on equity. Furthermore, the interview revealed that there was also the issue of downsizing after the merger. The Societe Generale decided to decrease the amount of workforce to avoid duplication of duties and above all to reduce the labour cost. 4.1 Recommendation Kaplans balanced score card will be appropriate for the management of the bank to adopt to monitor the performance of the combined entity. Kaplan explained it as a strategic planning and management system which can be used extensively in businesses and industries, government, and not-for-profit organizations globally to support business activities to the vision and strategies of the business entity, improve communication, and monitor the performance of businesses against corporate goal. www.balancedscorecard.org