Mary Shelleys Frankenstein Com Essay - 917 Words

In Kenneth Branaghs film Mary Shelleyamp;#8217;s Frankenstein, the director, Kenneth Branagh sticks to the major themes of the original book with minute changes. There are many similarities and differences between the book and Kenneth Branaghamp;#8217;s adaptation of the book. I believe Mary Shelley wanted readers to catch the themes of child abandonment, presented in Victor abandoning his creature. She also wanted readers to have compassion and sympathy for the abandoned creature that Victor created out of dead body parts. Shelley wanted the creature to be similar to Victor in many ways. Shelley wanted to show the relation between life and death, and the unbreakable laws of nature. Shelley wanted readers to realize that we need to†¦show more content†¦Shelley expressed the creation of the creature in the book was something like unnatural childbirth. Kenneth Branagh interpreted this and used amniotic fluid in a metal encasing, and put needles into certain pressure points of the body. This was almost like a manmade womb, and it surely represented the theme of unnatural childbirth that Shelley brings to our attention in her novel. The little girl the creature saves in the book is about to drown when the creature saves her. In the film a man is trying to hurt the little girl and the creature pushes the guy out of the way, to save her. Then he gets invited into the cottage by a blind man, but when Felix a family member of the blind man shows up he hits the creature with a broomstick many times showing how many people see only whatamp;#8217;s on the outside. In the book Felix tried to shoot him. In the film Elizabeth got her heart ripped out by the creature, and in the book it is not written specifically what the murder method was. The huge plot change near the end, really amazed me. Victor had to bring Elizabeth back to life, because he wanted her so bad. When she realized what Victor had done she committed suicide. In the book, this did not happen there w as only a funeral. Why would such a great director, want to poison such a great film, with such a terrible ideaShow MoreRelatedMary Shelley ´s Frankenstein; Or, the Modern Prometheus, an Analysis of the Subtitle1219 Words   |  5 Pagesof creation.† (Shelley 37). Ab initio Victor Frankenstein, the main protagonist, is being put on a level with Prometheus through the subtitle. An indication that Mary Shelley did indeed have the myth in mind as she wrote the novel, is not only her subtitle, but moreover the parallels between the Prometheus myth and Frankenstein, which are undeniable. The title itself gives a lot away of the story which follows. It links the modern world with the ancient Greek myth. Victor Frankenstein â€Å"steals† theRead MoreCompanionship Quotes In Frankenstein1160 Words   |  5 Pagesnecessity in life, because all different types of people and creations rely on the company of others. Without the company of others, people no longer act as they sho uld in society. They no longer learn new things and they become outcasts. In the book, Frankenstein, the creature lives his life without a companion and the outcome is tragic. Companionship is a necessity in life, because living without a companion will lead to mental illnesses, violence and loneliness. Mental illness is defined by NAMI as,Read MoreMary Shelly’s Frankenstein Essay1266 Words   |  6 PagesMary Shelly’s Frankenstein Mary Shelly’s Frankenstein is designed as a gothic horror novel but deals with serious moral issues. Written in 1818, a time when breakthroughs and discoveries in the scientific world were common and often of great importance, the book shows how desire for knowledge entwined with humanity’s ability to quickly reject what seems ugly or that which they don’t understand, can unfold into a tragic tale with several fatal altercations. Whilst playingRead MoreFrankenstein, By Mary Shelley1155 Words   |  5 Pages â€Å"Frankenstein† is a book that was writing in the late 1800’s. Mary Shelley was the author of this book. The genre of â€Å"Frankenstein† is a horror fiction and science fiction. Frankenstein is a book about how Victor creates a monster. That monster goes around killing people. The monster hides from people because he is ugly and people are scared of him. At the end Victor and the monster die. There are many themes in the book of â€Å"Frankenstein†, but i will choose to write about the appearanceRead MoreInterpretation of the Text13649 Words   |  55 Pagesmany survival stories as well as in stories about struggling for survival in remote locales, such as Jack Londons short story To Build a Fire. Person vs. Supernatural type of conflict places a character against supernatural forces. â€Å"Frankenstein† by Mary Shelley is a g ood example. Conflicts of this kind are also very common in comic books 12 Person vs. Machine / Technology places a character against robot forces with artificial intelligence. Conflicts of this kind are limited to science fiction

Look Profitability Evidence From Bangladesh Finance Essay - Free Essay Example

Sample details Pages: 12 Words: 3724 Downloads: 4 Date added: 2017/06/26 Category Finance Essay Type Argumentative essay Did you like this example? Abstract: This study examines the impact of liquidity on Islamic banks profitability during an 11 years period of 2001 to 2011. To explore and interpret the results the study has taken samples from five Islamic banks that have been in operation in Bangladesh on or before 2001 to till date. In order to construct the liquidity model it used four liquidity variables namely cash due from banks to total assets (CDTA), cash due from banks to total deposits (CDDEP), investment to total assets (INVSTA) and investment to total deposits (INVSDEP). Don’t waste time! Our writers will create an original "Look Profitability Evidence From Bangladesh Finance Essay" essay for you Create order According to adjusted R squares profitability variables return on assets (ROA), return on equity (ROE) and return on deposits (ROD) are respectively 17.1%, 4.5% and 24.6% dependent on independent variables. The statistical results suggest that CDTA is found insignificant with all profitability variables, whereas CDDEP is individually significant with all profitability variables except ROE. On the other hand INVSTA and INVSDEP are recognized significant with all three profitability variables. However, when ROE stands for an insignificant relationship with the overall liquidity model, ROA and ROD are identified significantly correlated with the similar model at 1% significant level. The findings do strengthen the specification that the impact of liquidity reflects adequate imposition on profitability that the Islamic banks in Bangladesh must abide by. Keywords: Dependency level; Islamic Banking Goals; Liquidity ratios; Profitability ratios; Significance level. JEL Classification: G21 Introduction Business in Islam has always been viewed as an opportunity for potentials as long as it stands on moral and ethical grounds and conforms to the Islamic code of conduct. The actual role of Islamic bank inherits in promoting and empowering the banking services and product based on Islamic principles. The main principles of Islamic banking comprise of prohibition of interest in all forms of transactions, and undertaking business and trade activities on the basis of fair and legitimate profit (Haron and Shanmugan, 1997). But according to Islamic principles, reward, i.e. profit without sharing the risks or hazards in the economic understandings is totally prohibited. Perhaps, the most significant risk of an Islamic bank is to build a sound liquidity management. Islamic banking has gained much popularity in Bangladesh over the last few years. There is a high demand for interest-free banking services from a segment of people in Bangladesh who have a strong desire to abide by the rules and principles set by Shariah. Along with religious requirement, economic exigencies provide a new outlook to the role of banking in promoting investment / productive activities, influencing distribution of income and adding stability to the economy. The downturn in the United States in the late part of 2008 led to a dramatic downturn in businesses and financial institutions, not only in the United States but other countries as well (Lau, 2008). It affected the world stock markets and made large financial institutions to either go bankrupt or sell off their shares to the public (Anup, 2009). But surprisingly it could not affect the Islamic banking industry as much as expected. Most banks now keep protective reserves on top of planned reserves. Excess liquidity is reported in nearly all Islamic banks (Ali and Howlader, 2005). Due to unavailability of local capital market, Islamic banking sectors have been suffering from investing idle fund in liquid venture (Rashid and Nishat, 2009). Excess liquidity generated by Islamic banks cannot be easily shifted to conventional banks as the Islamic banks do not accept interest; however there is opportunity for exchange of excess funds among the Islamic banks on a Mudarabah / Musharakah basis. However, the scope of cooperation among this field can only be increased if their numbers are increased. So, what should be the crucial choice of an Islamic bank; whether to take fundamental choice of profit maximization or to concern more on assurance of liquidity in any banking business under Islamic principles? Possibly the answer could rise if we can have ideas on how liquidity position affects Islamic banks profitability. Analysis of financial statement has become very significant due to widespread interest of various parties in the financial result of a business unit. As a Muslim community, Bangladesh and its people are in greater interest for a Shariah approved banking system. The question from the people arise when t here are any lacking in response to customers demand (liquidity risk) as well as any deficiency in showing upward banks value (profitability risk). Consequently this is a demand of time now to evaluate the impact of liquidity risk on profitability for overall Islamic banking industry in Bangladesh, as this paper attempts to find. Literature Review Banks today are under great pressure to perform- to meet the objectives of their stockholders, employees, depositors and borrowing customers, while somehow keeping government regulators satisfied that the banks policies, loans and investments are sound (Rose, 2004-2005). At present a lot of countries around the world having twofold banking system, as interest free banks are functioning parallel to conventional banks (Akhtar, Ali and Sadaqat, 2011). In Islam, profit is simply a reward of taking risk. So, it should be a natural outcome of the fair play of the twin forces of demand and supply in the market (Latif, 1982). On the other hand liquidity implies availability of cash that how bank rapidly may convert its assets into cash to meet the need of short term. It is considered that it is life of the banks. Higher amount of the liquid assets reflect the greater liquidity of the firm (Akhter, Raza, Orangzab and Akram, 2011). The essence of liquidity management problem arises from t he fact that there is a trade-off between liquidity and profitability and mismatch between demand and supply (Khan and Ahmed, 2001). While the bank has no control over the sources of fund (deposits), it can control the use of funds. To support their depositors demand, banks need money, or in other sense the power to create money. That is why Akkas (1982) suggested that commercial banks should be compelled to keep reserves up to the full amount of their deposits, a reserve of 100 percent. Islamic principles are always in favor of non-inflationary economy. Therefore, bringing a kind of equilibrium between demand and supply for investible funds appears to be a major concern for financial intermediation (Siddiqui, 2010). But, it is to be noted that Islamic market mechanism does not support the concept of equilibrium price, rather, acts as the instrument to meet the effective demand of a consumer.  [1] Not only does Islamic banks profitability seem less volatile than that of convent ional peers, but it is also higher on average, at least in the GCC region (Hassoune, 2002). Haron (2004) said that liquidity, funds invested in Islamic securities, total expenditures and the percentage of the profit-sharing ratio between the bank and the borrower of funds are highly correlated with the level of total income received by the Islamic banks. At the same time external factors such as interest rates, market share and size of the banks produce the similar kind of effects. He also added that other determinants such as funds deposited into current accounts, total capital and reserves, the percentage of profit sharing between bank and depositors, and money supply also play a major role in influencing the profitability of Islamic banks. Return on assets is a good sign to determine banks financial performance and supervisory efficiency. It shows how competent the administration is in allocating asset into net profit. The higher the ROA, the higher is the financial performanc e or profitability of the banks (Samad, 2004). Return on equity measures the rate of return on the bases of capital and equity capital (Akhter, Raza, Orangzab and Akram, 2011). This ratio shows how bank can create profit with shareholders invested funds. Its increasing value indicates higher financial performance. Like ROA, ROE is also an indicator for managerial efficiency (Ika and Abdullah, 2011). Return on deposits shows percentage return on each currency of customers deposit. In other words, it indicates the effectiveness of bank in converting deposit into net earnings (Rosly and Bakar, 2003). However, profitability is only part of bank performance story (Samad and Hasan, 1999). Cash in a bank vault is the most liquid asset of a bank. Cash assets include vault cash held on bank premises, deposits the bank holds at the Central bank in its district, deposits held with other banks to compensate them for clearing checks and other interbank services, and cash items in the process of collection (Rose, 2004-2005). A higher cash-deposit ratio indicates that a bank is relatively more liquid than a bank which has lower cash-deposit ratio. Depositors trust to bank is enhanced when a bank maintains a higher cash-deposit ratio. On the other hand an increase in loan-deposit ratio indicates that a bank is in more financial stress by making too much loan. Therefore, lower loan-deposit ratio is always favorable to higher loan-deposit ratio (Samad and Hasan, 1999). Loans-assets ratio measures the percentage of assets that are tied up in loans. The higher the ratio, the less liquid the bank will be (Samad, 2004). While making significant progress in return on assets (ROA) and return on equity (ROE), the liquidity performance of Bank Islam Malaysia (BIMB, the single full-fledged Islamic bank in Malaysia) between 1984-89 and 1990-97 in various measures such as cash-deposit ratio, loan-deposit ratio and current ratio showed neither deterioration nor improvement (Samad and Hassan, 1999). Chowdhury and Ahmed (2009) investigated that total deposits of Islami Bank Bangladesh Ltd. was higher in comparison to some non-Islamic banks during 2002 to 2006. Saifullah (2010) argued that Islamic banks in Bangladesh are superior to Conventional banks after an overall assessment of financial performance including liquidity and profitability position. When making comparisons across firms (or over time), it is useful to control for differences in their resource base (Foster, 2002). At the same time liquidity of those resources is of paramount significance for banks (Maheshwari and Maheshwari, 2002). Akhtar, Ali and Sadaqat (2011) found positive but insignificant relationship of size of the bank and net-working capital to net assets with liquidity risk in Islamic banks. In addition return on assets (ROE) in Islamic banks is found to be positive and significant with liquidity risk at 10% significant level. A study over determinants of Jordanian Islamic banks pro fitability revealed that there are significant and positive relationship between Return on Assets and Provision for Credit Facilities + Interest in Suspense / Credit Facilities, Total Equity / Total Assets and Total Income / Total Asset of the Islamic banking, and there are significant and negative relationship between ROA and the Bank Size, Total Liabilities / Total Assets, Annual Growth Rate for Gross domestic product, Inflation Rate and Exchange Rate of the Islamic Banking. Also this study found that there are significant and positive relationship between Return on Equity and Log TA, TL / TA, TI /TA and ERS of the Islamic banking, and there are significant and negative relationship between ROE and PRFCFI / CF, TE / TA, GDPGR and INF of the Islamic Banking (Khrawish, Siam and Khrawish, 2011). Naceur and Goaied (2010) investigation regarding the determinants of the Tunisian banks performances during the period 1980-1995 showed that the principal determinants of a banks performan ce are by order of importance: labor productivity, bank portfolio composition, capital productivity and bank capitalization. Athanasoglou, Delis and Staikouras (2008) examined the profitability behavior of bank-specific, industry-related and macroeconomic determinants, using an unbalanced panel dataset of South Eastern European (SEE) credit institutions over the period 1998-2002. The estimation results indicated that, with the exception of liquidity, all bank-specific determinants significantly affect bank profitability in the anticipated way. The paper concludes with some remarks on the practicality and implements ability of the findings. Using bank level data for 80 countries in the 1988-1995 periods, a study suggested that interest margins differences and banks profitability reflect a variety of determinants such as; bank characteristics, macroeconomic conditions, explicit and implicit bank taxation, deposit insurance regulation, overall financial structure, and several underl ying legal and institutional indicators (Demirgà ¼Ãƒ §-Kunt and Huizinga, 1998). Shahchera (2012) analyzed the impact of liquid asset holdings on bank profitability for a sample of Iranian banks. Applying the Generalized Method of Moment (GMM), this study analyzed the profitability of listed banks using unbalanced panel data over the period of 2002-2009. An important finding of this study is that the business cycle significantly affects bank profits. The coefficient of regulation is negative and significant. Therefore if regulators reduce the constraints imposed on banks, banks obtain profit. Liquidity is of vital importance to the daily operations of a bank. Maintenance of a sound liquidity position of the bank is necessary to protect the bank against uncertainties of its business. Maintenance of liquidity bears both risk and return. A tradeoff between these two elements can minimize the conflict between liquidity versus profitability of a bank (Islam, 2008). As stated by Islam (2008) Koch (1992) believed that there is a short-run tradeoff between liquidity and profitability. The more liquid a bank is, the lower are its return on equity (ROE) and return on assets (ROA), all other things being equal. Therefore, statistical significance of liquidity on profitability can be a great factor for potential investors. In a nutshell the influence of Islamic banks liquidity cannot be negligible when considering profit as their most vigorous concern. Methodology 3.1 Sample Design and Data Collection In Bangladesh, currently seven Islamic banks are providing their services as pure Islamic banks and running their operations under the guidance of Islamic Shariah. Among them, five Islamic banks have been selected to investigate the impact of Islamic banks liquidity risk on profitability over the period of 11 years during 2001 to 2011.  [2]  Selected Islamic banks are- 1. Islami Bank Bangladesh Limited 2. Shahjalal Islami Bank Limited 3. Al-Arafah Islami Bank Limited 4. Export Import Bank of Bangladesh Limited 5. Social Islami Bank Limited The data used in this study are compiled from income statements and balance sheets of selected banks from their each year annual report. The study model is tested on time series cross-sectional bank level data in the context of Bangladesh over the period 2001 to 2011. Thus, present study has been conducted taking into account a total samples of [5ÃÆ'Æ’-11] 55 under each variable. 3.2 Explanatory Variables To analyze the liquidity impact on profitability using multiple regression analysis, variables were assigned into two sections- Dependent Variables: Return on Assets = Net Income after Taxes / Total Assets Return on Equity = Net Income after Taxes / Total Equity Capital Account Return on Deposits = Net Income after Taxes / Total Deposits Independent Variables: Cash Due from Banks to Total Assets = Cash Due from Banks / Total Assets Cash Due from Banks to Total Deposits = Cash Due from Banks / Total Deposits Investment (Loans Advances) to Total Assets = Investment / Total Assets Investment (Loans Advances) to Total Deposits = Investment / Total Deposits 3.3 Research Model and Hypotheses The current research is being conducted to evaluate the impact of liquidity on profitability by applying multiple linear regression model which had previously been developed and applied by Demirgà ¼Ãƒ §-Kunt and Huizinga (1999), Haron (2004), Athanasoglou, Delis and Staikouras (2008), Toni (2008), Naceur and Goaied (2008), Saleem and Rehman (2011), Khrawish, Siam and Khrawish (2011), Shahchera (2012) and many more in essence of their contribution to banking, economics and finance. Utilizing the similar model these preceding studies focused on assessing diverse determinants of Islamic banks profitability. Present study used the same model but for only to strengthening on liquidity variables in order to demonstrate their impact on profitability. Current research model is as follows- Where, ROA = Return on assets ROE = Return on equity ROD = Return on deposits CDTA = Cash due from banks to total assets CDDEP = Cash due from banks to total deposits INVSTA = Inve stment (loans advances) to total assets INVSDEP = Investment (loans advances) to total deposits ÃÆ'†°Ãƒ ¢Ã¢â€š ¬Ã‹Å" = constant term ÃÆ' ¡Ãƒâ€šÃ‚ µÃƒâ€šÃ‚ ¦ = slopes associated with the independent (liquidity) variables i = banks t = time ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ = error term To do the analysis following two hypotheses were designed: There is an insignificant relationship between liquidity and profitability, i.e. H0: b1 = b2 = b3 = b4 = 0 (null hypothesis) There is a significant relationship between liquidity and profitability, i.e. Ha: b1 ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã‚ °Ãƒâ€šÃ‚   b2 ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã‚ °Ãƒâ€šÃ‚   b3 ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã‚ °Ãƒâ€šÃ‚   b4 ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã‚ °Ãƒâ€šÃ‚   0 (alternative hypothesis) 4 Statistical Results and Analyses The statistical analysis of secondary data has been divided into three dimensions, i.e. descriptive, correlation and regression. All the statistical tests have been performed through SPSS V15.0. 4.1 Descriptive Statistics Table 1 shows descriptive statistics for dependent and independent variables. The analyzed statistics figures illustrate the mean, standard deviation, maximum and minimum values of Islamic banks. The statistics suggest irregular drawbacks in minimum value of ROA ROD, even more in ROE, leading to a dramatic decrease in percentage return for overall Islamic banking industry.  [3]  The mean value of dependent variables imply that maximum portion of banks income goes for shareholders, as here ROE indicates greater outcome in percentage return in comparisons to ROA or ROD. However, according to the statistics, the fraction of investment in total assets and total deposits exceeds cash due from banks to a great extent if we take a look at their mean values. Table 1 Descriptive Statistics Minimum Maximum Mean Std. Deviation Dependent Variable ROA -4.85 3.07 1.2060 1.05572 ROE -176.07 38.81 15.8591 27.86636 ROD -5.20 3.66 1.4722 1.22965 Independent Variable CDTA 9.94 82.12 21.4307 12.59587 CDDEP 11.62 95.43 25.3715 14.06618 INVSTA 13.33 82.51 70.2224 11.45243 INVSDEP 15.49 103.86 84.2804 15.55431 Source: Calculated value using Annual Reports of the banks issued by Dhaka Stock Exchange (2001-2011) 4.2 Correlation Matrix The correlation coefficients are stated in Table 2. This gives information on the degree of correlation between all the dependent (profitability) and independent (liquidity) variables used in the analysis. The opportunity has been tested with the Pearson correlation coefficients test. The result indicates that the liquidity variables CDTA and CDDEP are negatively related with all selected profitability variables. On the other hand, the remaining two liquidity variables INVSTA and INVSDEP are positively related with all three profitability variables. Table 2 Correlation Matrix of Profitability and Liquidity Variables ROA ROE ROD CDTA CDDEP INVSTA INVSDEP ROA 1 ROE .905** 1 ROD .994** .867** 1 CDTA -.232 -.062 -.260 1 CDDEP -.206 -.048 -.226 .993** 1 INVSTA .222 .037 .252 -.945** -.936** 1 INVSDEP .326* .115 .376** -.896** -.856** .950** 1 Pearson Correlation Coefficient ** Correlation is significant at the 0.01 level (2-tailed) * Correlation is significant at the 0.05 level (2-tailed) Source: Calculated value using Annual Reports of the banks issued by Dhaka Stock Exchange (2001-2011) 4.3 Regression Results Tables 3, Table 4 Table 5 report the results of regression analysis in which four independent variables are regressed by using the data of Islamic banks of Bangladesh from 2001 to 2011. The adjusted value of R squares indicate that ROA, ROE and ROD of Islamic banks of Bangladesh are respectively 17.1%, 4.5% and 24.6% dependent on independent variables, i.e. CDTA, CDDEP, INVSTA and INVSDEP. Therefore, as liquidity factor, these four variables are considered major issues to defining profitability of Islamic banks in Bangladesh over eleven years period. Table 3 Regression Results of ROA (2001-2011) Model 1 Unstandardized Coefficients Standardized Coefficients t Sig. B Std. Error Beta (Constant) 2.125 3.118 .681 .499 CDTA .293 .186 3.502 1.576 .121 CDDEP -.274 .161 -3.652 -1.699 .096* INVSTA -.194 .074 -2.110 -2.630 .011** INVSDEP .159 .054 2.343 2.948 .005*** R squared .233 Adjusted R squared .171 F statistics esults 3.792 P-value .009*** Durbin-Watson 1.635 *** Significant at the 1% level ** Significant at the 5% level *Significant at the 10% level Source: Calculated value using Annual Reports of the banks issued by Dhaka Stock Exchange (2001-2011) Table 3 shows that CDTA and INVSDEP are positively correlated with ROA. Alternatively CDDEP and INVSTA show negative relationship with ROA. With an exception to CDTA; rest independent variables CDDEP, INVSTA and INVSDEP are significantly correlated with ROA at 10%, 5% and 1% significant level in that order. Durbin-Watson test shows that the residuals are positively correlated. At overall 1% significant level as per p-value the liquidity model [Model 1] is significantly correlated with ROA. So the null hypothesis (H0) is rejected and alternative hypothesis (Ha) accepted here. Table 4 Regression Results of ROE (2001-2011) Model 2 Unstandardized Coefficients Standardized Coefficients t Sig. B Std. Error Beta (Constant) 77.929 88.349 .882 .382 CDTA 7.326 5.277 3.312 1.388 .171 CDDEP -6.960 4.571 -3.513 -1.523 .134 INVSTA -4.796 2.096 -1.971 -2.289 .026** INVSDEP 3.492 1.528 1.949 2.285 .027** R squared .116 Adjusted R squared .045 F statistics 1.637 P-value .180 Durbin-Watson 2.024 *** Significant at the 1% level ** Significant at the 5% level * Significant at the 10% level Source: Calculated value using Annual Reports of the banks issued by Dhaka Stock Exchange (2001-2011) Table 4 represents that CDTA and INVSDEP are positively correlated with ROE. At the same time CDDEP and INVSTA create negative correlation with ROE. Here, only INVSTA and INVSDEP are found significant with ROE at 5% significant level. As Durbin-Watson statistic is approximately very close to 2, therefore the residuals are uncorrelated. However, according to p-value the overall liquidity model [Model 2] is not significantly related with ROE at any formulated level. Thus the null hypothesis (H0) is accepted for the relationship of liquidity and profitability (ROE). Table 5 Regression Results of ROD (2001-2011) Model 3 Unstandardized Coefficients Standardized Coefficients t Sig. B Std. Error Beta (Constant) 2.433 3.464 .702 .486 CDTA .340 .207 3.480 1.642 .107 CDDEP -.317 .179 -3.631 -1.771 .083* INVSTA -.245 .082 -2.284 -2.985 .004*** INVSDEP .202 .060 2.557 3.373 .001*** R squared .302 Adjusted R squared .246 F statistics 5.404 P-value .001*** Durbin-Watson 1.599 *** Significant at the 1% level ** Significant at the 5% level * Significant at the 10% level Source: Calculated value using Annual Reports of the banks issued by Dhaka Stock Exchange (2001-2011) As demonstrated in Table 5 ROD has positive relation with CDTA and INVSDEP, and negative relation with CDDEP and INVSTA. Here, only insignificant variable is CDTA. CDDEP is significantly related with ROD at 10% level. At 1% significant level both liquidity variables INVSTA and INVSDEP are detected statistically significant with ROD. Durbin-Watson test indicates positive autocorrelation for the residuals. As per p-value the model [Model 3] is statistically significant with ROD at 1% significant level. As a result here the null hypothesis (H0) is rejected and alternative hypothesis (Ha) accepted. 5 Conclusion The current study marks the very first attempt to analyze liquidity impact on Islamic banks profitability in Bangladesh during the period 2001 to 2011. Major parts of the study results reveal greater dependency of banks profitability on liquidity. Specifically cash due from banks to total assets is not significant with any profitability variables. Cash due from banks to total deposits is found insignificant with ROE, but significant with ROA and ROD at 10% significant level. Other two independent variables investment to total assets and investment to total deposits are individually and significantly correlated with all selected profitability variables. Investment to total assets is significant with ROA and ROE at 5% significant level and with ROD at 1% significant level. On the other hand, investment to total deposits is significantly correlated with ROA and ROD at 1% significant level and with ROE at 5% significant level. The entire liquidity model is found statistically signifi cant with ROA and ROD at 1% significant level. The reason to discover ROE less dependent and insignificant with the overall liquidity model is possibly due to that huge loss in foreign transaction by Shahjalal Islami Bank Limited in the financial year 2004. However, adding further liquidity variable to the model may make it more or less significant with profitability. In addition, it should also be said that liquidity is not the single reason to defining Islamic banks profitability. Therefore, in any affair, current study serves as initial movement, leaving spaces for future researches to enhance and enrich its outlook.

Racism as a Problem Today Essay - 1401 Words

Racism as a Problem Today Racism is a huge problem. The definition of racism is the belief in the superiority of one Race over all others. A lot of the time racism is a belief that one type of person has got better physical attributes, or is smarter. All racism includes the idea that because of someones skin colour or religion they are members of a superior or inferior race. This belief can have an enormous effect over the way that one group of people treats one another. Racism is an obvious form of prejudice. A lot of people are of the opinion that if they made a racist joke but it was funny or they didnt mean it in that way then it is justifiable. People who are prejudiced are people†¦show more content†¦Then the slaves would be promised the chance of a new life and promised that they would become good people and Christians. It is usually much easier to blame someone who was different from the majority, because of their skin colour or because of their religion; even their success can be criticized and blamed for various problems. A very good example of this type of behaviour is demonstrated in Hitlers rise to power. The German people wanted someone to blame for the economic crises. Hitler immediately singled the Jewish people out as being the cause because of their skills with money. He claimed that they had deliberately caused the depression, this satisfied the Nazi belief of a master race, and they believed that Jews were inferior. This resulted in the Holocaust, where over six million Jewish people were murdered for crimes they had never committed. All over the world claims that people with coloured skin cause violence are being echoed. This is not true. 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Sadly, this is not true. Racism today might not be as bad as it was decadesRead MoreThe Controversial Problem Of Racism941 Words   |  4 PagesPaper 4 Society today deals with a plethora of controversial problems. Controversial problems we face today include issues that deal with a few of the amendments: freedom of religion, freedom of the press, the right to bear arms, etc. Other issues that we deal with today could be medical, social, or the legalization of certain things. One controversial problem that I believe is very important and should be addressed is racism. In our society, the controversial problem of racism has been a topicRead MoreRacism And The Civil Rights Movement984 Words   |  4 PagesWhat is racism? By definition racism is the prejudice, discrimination, or antagonism directed against someone of a different race based on the belief that one s own race is superior. This is a big issue in America today. Many Americans believe that racism is over in this country because it had gone through a civil rights revolution but those people are more than wrong. Some people believe that just because America went through a civil rights movement that all racism is gone. That everything wasRead MoreThe Civil Rights Movement Of America Essay1648 Words   |  7 PagesTake a look around you. Imagine the world now, then again from fifty to a hundred and fifty years ago. Much has changed and much has stayed the same. Plenty of issues that were prevalent so long ago are still lingering around today such as racism, discrimination, white supremacy. We fight constant battles fighting these issues whether its educating others or defending ourselves from it. It was only one hundred and one years ago that we saw D.W. Griffiths Birth of a Nation hit the silver screens.Read More Covert Racism in America Essay1109 Words   |  5 PagesCovert Racism in America Racism is still a very current issue in America today. By no means is racism as overt as it was fifty years ago with enforced segregation, but today racism is more covert and often hides behind closed doors to only strike out when least expected. Racism has been deceasing and will continue to be decreased only through education. Hopefully, one day racism will cease to exist. But, that day if possible is many years away. Racism still exists in America today. This isRead MoreThe Impact Of Racism On The Health Of Indigenous Australians911 Words   |  4 PagesRacism in Australia has always been a controversial element of our country and still continues on in today’s society. Our nation is a bigot country, and the history of Australia shows it continuously has been. Racism majorly impacts the health of Indigenous Australians. The impacts reflect on the life expectancy and mental health of the Indigenous Australians who are then racially criticised in our health system. This paper will explore the impacts that racism in Australia has on Indigenous AustraliansRead MoreChristopher Columbus Persuasive Essay726 Words   |  3 Pagesreligious minorities? Free for people of color? The United States of America is a country that was created to allow for certain freedoms for all people, yet within its rich history and today’s world, our country has become a melting pot for prejudice, racism, and ignorance. As our world progresses further, it may seem as if there may be no hope for all. â€Å"In 1492, Columbus sailed the ocean blue.† Of course, that is a trivial poem that we as students memorize while we are young, claiming the ChristopherRead MoreRacism Is Something We Have All Witnessed1322 Words   |  6 PagesRacism is something we have all witnessed. Many people believe that race is a way to categorize other humans, but it is typically a stereotyped classification of people with no accurate reasons. In other words, the distinction we make between races has nothing to do with genetic characteristics. Race is not a real difference in people, and was created by how people see and understand ideas, culture, and customs of people we are not used to or don t seem the same as us.. The definition of race depends

The Death Penalty And Capital Punishment Essay - 2417 Words

The most severe punishment for all crimes is being sentenced to death. Capital punishment has been the center of controversy for many years and will be a continuously debated issue here in the United States. Also referred to as the death penalty, capital punishment is the lawful infliction of death as punishment for a crime and has been used even in ancient times for a various array of offenses. Back in ancient times, executions were something done publicly in hopes that it would serve as a warning. Even long after elimination of the more gruesome forms of capital punishment, controversy still surrounded the possible value that the death penalty could hold as a deterrent. Arguments of the death penalty concerns issues of deterrent factors, excessive cruelty, and equability. Crimes for which the death penalty are assigned have varied over centuries but ones as heinous as treason, murder, and rape are the ones most commonly seen to have that outcome. The methods by which the punishment has been carried out has also changed over time and ranged from hangings, boiled in oil, beheaded electrocuted and now to being injected with drugs and implementing the use of an electric chair. Oftentimes the general sense of cruelty that the death sentence imposes leaves on to wonder, is capital punishment really a deterrent or if the state is acting upon the human desire to seek retribution? In the article written by Ward, light is shed on the continual debate of the death penalty beingShow MoreRelatedCapital Punishment : The Death Penalty1482 Words   |  6 PagesMrs. McElmoyl 12/12/14 Capital Punishment As stated by former governor of New York, Mario M. Cuomo, Always I have concluded the death penalty is wrong because it lowers us all; it is a surrender to the worst that is in us; it uses a power- the official power to kill by execution- that has never brought back a life, need inspired anything but hate. (Cuomo 1) This is one of the main arguments against capital punishment (also known as the death sentence.) Capital punishment is the ability for a governmentRead MoreCapital Punishment : The Death Penalty1410 Words   |  6 PagesCapital Punishment in America In 1976 the Supreme Court of the United States of America ruled the Death Penalty constitutionally permissible. The debate over capital punishment has always been a topic of great controversy. Before the Supreme Court ruling in 1976 America had been practicing capital punishment for centuries. At the current time some states enforce the death penalty, while some do not. There are differences of opinion’s relating to whether or not the death penalty is the proper wayRead MoreCapital Punishment And The Death Penalty1017 Words   |  5 PagesName: Lucas Falley Topic: Capital Punishment Background: Capital punishment, or the death penalty, has existed for thousands of years. For as long as there has been organized society, the death penalty has existed in numerous cultures and civilizations. Throughout the years the methods have changed, but the use of capital punishment is becoming a pressing matter. Amnesty International reports that there are 140 countries worldwide that have abolished the death penalty, while over 50 countries stillRead MoreThe Death Penalty Of Capital Punishment1480 Words   |  6 Pagesjustice system, such as the death penalty. Capital punishment has been used many times in history all around the world, and it was quite popular. Many people argue that capital punishment is useful in deterring crime and that it is only fair that criminals receive death as punishment for a heinous crime. On the contrary, others see the death penalty as a violation of the 8th amendment. It restricts excessive fines, and it also does not allow cruel and unusual punishment t o be inflicted upon criminalsRead MoreThe Death Penalty And Capital Punishment931 Words   |  4 Pageswritten down (Robert). The death penalty was applied for a particularly wide range of crimes. The Romans also used death penalty for a wide range of offenses. Historically, the death sentence was often handled with torture, and executions, except that it was done in public. In this century, the death penalty, execution or capital punishment, whatever you’d like to refer it as, is the result for committing capital crimes or capital offences and it is not in public. The death penalty has been practiced byRead MoreCapital Punishment And The Death Penalty991 Words   |  4 PagesCapital Punishment Imagine your having a normal morning, eating breakfast doing your normal routine. Suddenly your phone rings and when you answer you hear the worst news possible. One of your family members has just been murdered in cold blood. You cry, mourn, then become angry. You attend the court hearing and you sit less than 20 feet away from the murderer. Do you truly believe this person deserves to live? Or should they face a punishment that is equal to their crime? Some may say CapitalRead MoreThe Death Penalty And Capital Punishment1569 Words   |  7 Pagesthe death penalty also referred to as capital punishment. The death penalty is both useless and harmful to not only criminals but also their potential victims. This paper uses these horrific facts to try and convince the reader that the death penalty should be done away with before it is too late, although that time may have already come. With supporting evidence to support my cause, I hope that the following information sways at least one reader to see the harm of keeping the death penalty an activeRead MoreCapital Punishment And The Death Penalty1235 Words   |  5 PagesWhat is capital punishment? Why do people support it, but yet people cherish lives? Is it a moral thing to do? Should one be for or against the Death Penalty? Let’s take a look deep into the world of justices and why capital punishment still exists in today’s society. Capital punishment or the death penalty is a feder al punishment given to criminals who are convicted of murders. It is the highest law punishment available that can prevent future murders by developing fear within them. Capital punishmentRead MoreThe Death Penalty Is A Capital Punishment1271 Words   |  6 Pages What is the death penalty? The death penalty is a capital punishment that is punishable by death or execution. This is usually given to people that have committed serious offences or capital crimes. There are 31 states in the United States that are for the death penalty. Crimes that are punishable by the death penalty, vary from state to state. Examples of such crimes are; first degree murder or premeditated murder, murder with special circumstances, such as: intended, multiple, and murder whichRead MoreCapital Punishment And The Death Penalty1539 Words   |  7 PagesCapital punishment, otherwise known as the death penalty, has been the center of debate for a long time. Capital punishment may be defined as the â€Å" [e]xecution of an offender sentenced to death after conviction by a court of law of a criminal offense† (Capital Punishment). Up until 1846, when Michigan became the first to abolish the death sentence, all states allowed legal practice of capital punishment by the government (States). Currently, there 32 states still supporting the death penalty and 18

Laptops in Schools Free Essays

Laptop Usage in Schools The issues of laptops being used in schools are brought up throughout the whole country. Many people think that if we provide every student with a laptop, we will end up spoiling our future generation and turn them into lazy, unimaginative individuals. But with the correct usage, maintenance, and supervision, the laptop proposal can work. We will write a custom essay sample on Laptops in Schools or any similar topic only for you Order Now For one, the students would have the internet right at their fingertips, making research quick and efficient. Along with the handiness of looking up all their notes with a simple click of a button. The laptop initiative has been proven to be very effective in schools in the United States; it has increased students productivity, accountability, and convenience. Administrators who are against the initiative of laptops argue that they are a waste of money and the schools budgets cannot handle it. They also believe that laptops would be a big distraction towards the student’s education. Some parents are also concerned about their children visiting inappropriate websites, along with having access to obscene material. Little do they know, there are abundant ways in disciplining the opposing view point. It has been proven in schools across the country that if we provide every student with a laptop, the productivity in classes will go up. To guarantee these successful results, both the students and the teachers would have to have the most up-to-date software’s and access to the internet through the wireless networks at school. A laptop is an essential tool, similar to how a pencil is required for class. If everyone shows up with their prepared material, the class can accomplish an increase in quality access to technology, transform quality of instructions, increase student engagement, improve academic achievement and technology literacy, increase economic competiveness, and enhance home-school connections. Along with so many more benefits. For example, if everyone had laptops, the teacher can easily send quick links of recordings or sources that relate to the curriculum. This is a more fun way to learn for most students. This can serve a sounding board for ideas, such as interactive programs, chat rooms, emails, and instant messaging. Judging from my own experience, I would definitely prefer engaging with different resources online rather than listening to my teachers boring lectures. Therefore, if classroom activities are more interesting, than students are more likely to participate. Laptops are a great way to make things more appealing, from all the educational games that are available to enlightening videos on the web. All of these benefits do not only apply to the students, but studies show that they certainly also have a positive effect on the schools when the results of the states test come in. Incorporating laptop usage in classrooms has also proven the development of student’s accountability. Students then have no reason for any papers being lost or not being able to receive an assignment when being absent. Teachers would also have the responsibility to post up all the required materials and objectives of the course, along with frequently updating lectures and assignments. With this technology, it makes it almost impossible for a student to make up any excuse for not doing their work, considering all the information they need to know is online. By using laptops at school, students have the ability to challenge their assumptions by seeking expert advice and researching data. Having that access gives the students the responsibility to have all the accurate answers on a test or an essay. Another advantage of having a laptop as a digital teaching assistant, all of the visual medium, multi-media, and interactive programs, motivate the students to participate because they can work at their own pace while still being challenged to get to the next level. This also forces the students to think critically by examining and analyzing multiple points of view by participating in online debates. Overall, it has been proven that students, who are involved with laptop usage in classrooms, are more liable to get their work done on time and more competent. Laptops, when used correctly can stimulate a different type of learning and be a great convenience for students. No more would we be sitting in class with paper and an overhead. Paper notebooks will be old school and online and internal collaboration between students and teachers will be at an all time high. Getting rid of the notebooks and moving to laptop based study will help in getting rid of text books. No more lugging around 50 pounds worth of paper. Teachers will not have lectures anymore; instead they will have multiple study guides and utilize our Internet resources to find information. Text books will now be online, where students can quickly lookup parts of reading or study guides in a matter of minutes. Notes will be in the form of think bubbles where student will type their notes and make them so they can truly understand what is being taught. This is extremely suitable for students for the reason that, it can help them simplify complex operations, such as converting numbers to charts by using excel processor, spell/grammar check, and office PowerPoint as a visual aid for presentations. This laptop initiative can expand student’s horizons by exposing them to new concepts and information, such as virtual tours and simulations. Several individuals, who disagree on the whole laptop idea, think that students would take advantage of the internet access by constantly being on Face book, Twitter, or YouTube. In reality, this is no where true. There are already blocks in place to keep students off of restricted web sites, and with these laptops, the tech administrators will know exactly who is using the computer. So there really is no downside to having laptops incorporated in classrooms. In conclusion, the entire world is changing quickly along with the rapid revolution of technology. Our society is changing as well and people are adapting to it just fine. So schools should immediately get on the laptops in classrooms project because, technology is going to be in our everyday life soon, and we need to start teaching computers and word processing at a young age and incorporate it into everything we do. I mean why not? It has been proven to better our student’s productivity, accountability, as well as their convenience. How to cite Laptops in Schools, Essay examples

Laptops in Schools Free Essays

Laptop Usage in Schools The issues of laptops being used in schools are brought up throughout the whole country. Many people think that if we provide every student with a laptop, we will end up spoiling our future generation and turn them into lazy, unimaginative individuals. But with the correct usage, maintenance, and supervision, the laptop proposal can work. We will write a custom essay sample on Laptops in Schools or any similar topic only for you Order Now For one, the students would have the internet right at their fingertips, making research quick and efficient. Along with the handiness of looking up all their notes with a simple click of a button. The laptop initiative has been proven to be very effective in schools in the United States; it has increased students productivity, accountability, and convenience. Administrators who are against the initiative of laptops argue that they are a waste of money and the schools budgets cannot handle it. They also believe that laptops would be a big distraction towards the student’s education. Some parents are also concerned about their children visiting inappropriate websites, along with having access to obscene material. Little do they know, there are abundant ways in disciplining the opposing view point. It has been proven in schools across the country that if we provide every student with a laptop, the productivity in classes will go up. To guarantee these successful results, both the students and the teachers would have to have the most up-to-date software’s and access to the internet through the wireless networks at school. A laptop is an essential tool, similar to how a pencil is required for class. If everyone shows up with their prepared material, the class can accomplish an increase in quality access to technology, transform quality of instructions, increase student engagement, improve academic achievement and technology literacy, increase economic competiveness, and enhance home-school connections. Along with so many more benefits. For example, if everyone had laptops, the teacher can easily send quick links of recordings or sources that relate to the curriculum. This is a more fun way to learn for most students. This can serve a sounding board for ideas, such as interactive programs, chat rooms, emails, and instant messaging. Judging from my own experience, I would definitely prefer engaging with different resources online rather than listening to my teachers boring lectures. Therefore, if classroom activities are more interesting, than students are more likely to participate. Laptops are a great way to make things more appealing, from all the educational games that are available to enlightening videos on the web. All of these benefits do not only apply to the students, but studies show that they certainly also have a positive effect on the schools when the results of the states test come in. Incorporating laptop usage in classrooms has also proven the development of student’s accountability. Students then have no reason for any papers being lost or not being able to receive an assignment when being absent. Teachers would also have the responsibility to post up all the required materials and objectives of the course, along with frequently updating lectures and assignments. With this technology, it makes it almost impossible for a student to make up any excuse for not doing their work, considering all the information they need to know is online. By using laptops at school, students have the ability to challenge their assumptions by seeking expert advice and researching data. Having that access gives the students the responsibility to have all the accurate answers on a test or an essay. Another advantage of having a laptop as a digital teaching assistant, all of the visual medium, multi-media, and interactive programs, motivate the students to participate because they can work at their own pace while still being challenged to get to the next level. This also forces the students to think critically by examining and analyzing multiple points of view by participating in online debates. Overall, it has been proven that students, who are involved with laptop usage in classrooms, are more liable to get their work done on time and more competent. Laptops, when used correctly can stimulate a different type of learning and be a great convenience for students. No more would we be sitting in class with paper and an overhead. Paper notebooks will be old school and online and internal collaboration between students and teachers will be at an all time high. Getting rid of the notebooks and moving to laptop based study will help in getting rid of text books. No more lugging around 50 pounds worth of paper. Teachers will not have lectures anymore; instead they will have multiple study guides and utilize our Internet resources to find information. Text books will now be online, where students can quickly lookup parts of reading or study guides in a matter of minutes. Notes will be in the form of think bubbles where student will type their notes and make them so they can truly understand what is being taught. This is extremely suitable for students for the reason that, it can help them simplify complex operations, such as converting numbers to charts by using excel processor, spell/grammar check, and office PowerPoint as a visual aid for presentations. This laptop initiative can expand student’s horizons by exposing them to new concepts and information, such as virtual tours and simulations. Several individuals, who disagree on the whole laptop idea, think that students would take advantage of the internet access by constantly being on Face book, Twitter, or YouTube. In reality, this is no where true. There are already blocks in place to keep students off of restricted web sites, and with these laptops, the tech administrators will know exactly who is using the computer. So there really is no downside to having laptops incorporated in classrooms. In conclusion, the entire world is changing quickly along with the rapid revolution of technology. Our society is changing as well and people are adapting to it just fine. So schools should immediately get on the laptops in classrooms project because, technology is going to be in our everyday life soon, and we need to start teaching computers and word processing at a young age and incorporate it into everything we do. I mean why not? It has been proven to better our student’s productivity, accountability, as well as their convenience. How to cite Laptops in Schools, Essay examples

Accident Analysis Eastern Flight 401 free essay sample

In December 29, 1972, on a cold winter evening, a new Lockheed L-1011 Tristar, the Eastern Airlines number 310, Flight 401 left John F. Kennedy International Airport’s Terminal One bound for Miami. It crashed on final approach, killing 103 of the 153 onboard. I would like to provide an insight of the accident, focusing on the human errors that contributed to the disastrous incident. Al though the Captain, Co-pilot, and Flight engineer were very much experienced and distinguished in their fields, and knowledgeable with the technicalities of aviation, every bit of their expertise was doomed with their collective reaction to a very minor malfunctioning of a very minor part of the aircraft – a faulty light bulb. The chain of errors started with the unlit nose gear indicator light. This has led to manifest the crew’s under utilization and mismanagement of the resources available on the plane, and the Miami ATC’s seeming lack of effective protocol in giving warning signals. We will write a custom essay sample on Accident Analysis Eastern Flight 401 or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page First, the crew focused their attention to the faulty light bulb. While they attempted to repair it, they had neglected to monitor other flight instruments at the control surface altimeters, vertical speed indicator, and most importantly, the low altitude warning alarm while the plane descended 200 feet per minute. Thus, their preoccupation with the indicator light blinded them of the other instruments just within their reach. Second is that the Captain wasn’t able to facilitate and organize the crew’s effective communication in the cockpit as he also missed to effectively delegate authority over the other crew members.   His command to the flight engineer to go to the hell hole to visually check if the nose gear was down, was delayed. This happened because the Captain was also preoccupied with supporting functions such as radio communication. If EF 401 Crash 3 only he was able to be firmly in command, it could not have happened that three crew members were focused on doing a single task. Lastly, the ATC, which was responsible for external monitoring should have given a sterner warning to the aircraft. In addition to this, its personnel could have politely given suggestions and/or reminders to the crew, as they (ATC) are also aware of the resources available in the plane. The professional authority of the Captain and his crew may have deterred the ATC in doing so, but ethically speaking, the welfare of the passengers should be their utmost concern. This accident was fully preventable. If only the backup system of checking the wheel was successful, if the crew knew their fundamentals in resource utilization by heart, and if only a pilot was clearly in command and was focused in monitoring and flying the aircraft, 103 lives could have been spared. This accident is a lesson for other crews as well. The crew of the Eastern Flight 401 were experienced, skillful, and knowledgeable. However, they experienced a chain of errors, which was aggravated by apparent lack of monitoring and authority, effective communication, and resource management skills in time of adversity. Moreover, the disengagement of the autopilot system reminds us that we, humans become complacent with the efficiency of automation. We cease to monitor its function. We depend and trust too much on it. But when it fails, we face the consequences, even if lives are at stake. Thus, this accident reminds us that we should handle and utilize automation responsibly. We should not cease to figure out its limitations and behavior in varying situations.   References The Crash of Eastern Air Lines Flight 401, from http://eastern401.googlepages.com Elder, R., et al. (1997). Crash. Atheneum, New York Kilroy, Chris. Special Report: Eastern Air Lines Flight 401  from http://www.airdisaster.com Crash of Eastern Airlines Flight 401 from http://www.freshgasflow.com/flight401.htm

Dialectical Behavior Therapy free essay sample

Third in priority are quality of life issues and working towards improving ones life generally. During the individual therapy, the therapist and patient work towards improving skill use. Often, a skills group is discussed and obstacles to acting skillfully are addressed. 2. A group component in which the group ordinarily meets once weekly for two to two-and-a-half hours and learns to use specific skills that are broken down into four modules: core mindfulness skills, interpersonal effectiveness skills, emotion regulation skills, and distress tolerance skills.Neither component is used by itself; the individual component is considered necessary to keep suicidal urges or uncontrolled emotional issues from disrupting group sessions, while the group sessions teach the skills unique to DBT, and also provide practice with regulating emotions and behavior in a social context. [edit] The four modules [edit] Mindfulness Mindfulness is one of the core concepts behind all elements of DBT. Mindfulness is the capacity to pay attention, non-judgmentally, to the present moment. We will write a custom essay sample on Dialectical Behavior Therapy or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Mindfulness is all about living in the moment, experiencing ones emotions and senses fully, yet with perspective.It is considered a foundation for the other skills taught in DBT, because it helps individuals accept and tolerate the powerful emotions they may feel when challenging their habits or exposing themselves to upsetting situations. The concept of mindfulness and the meditative exercises used to teach it are derived from traditional Buddhist practice, though the version taught in DBT does not involve any religious or metaphysical concepts. [edit] Skills within the Mindfulness module [edit] The What Skills Observe This is used to non-judgmentally observe one’s environment within or outside oneself.It is helpful in understanding what is going on in any given situation. Describe This is used to express what one has observed with the observe skill. It is to be used without judgmental statements. This helps with letting others know what you have observed. Participate This is used to become fully involved in the activity that one is doing. To be able to fully focus on what one is doing. [edit] The How Skills Non-Judgmentally This is the action of describing the facts, and not thinking about what’s â€Å"good† or â€Å"bad†, â€Å"fair†, or â€Å"unfair. † These are judgments because this is how you feel about the situation but isn’t a factual description.Being non-judgmental helps to get your point across in an effective manner without adding a judgment that someone else might disagree with. One-Mindfully This is used to focus on one thing. One-mindfully is helpful in keeping your mind from straying into emotion mind by a lack of focus. Effectively This is simply doing what works. It is a very broad-ranged skill and can be applied to any other skill to aid in being successful with said skill. [8] [edit] Distress Tolerance Many current approaches to mental health treatment focus on changing distressing events and circumstances[specify].They have paid little attention to accepting, finding meaning for, and tolerating distress. This task has generally been tackled by psychodynamic, psychoanalytic, gestalt, or narrative therapies, along with religious and spiritual communities and leaders. Dialectical behavior therapy emphasizes learning to bear pain skillfully. Distress tolerance skills constitute a natural development from DBT mindfulness skills. They have to do with the ability to accept, in a non-evaluative and nonjudgmental fashion, both oneself and the current situation. Since this is a nonjudgmental stance, this means that it is not one of approval or resignation.The goal is to become capable of calmly recognizing negative situations and their impact, rather than becoming overwhelmed or hiding from them. This allows individuals to make wise decisions about whether and how to take action, rather than falling into the intense, desperate, and often destructive emotional reactions that are part of borderline personality disorder. [edit] Skills within the Distress tolerance module [8] Distract with ACCEPTS This is a skill used to distract oneself temporarily from unpleasant emotions. The acronym breaks into: Activities: Use positive activities that you enjoy.