An essay on Andrew Jackson and the negative aspects of his presidency

An on Andrew Jackson and the negative aspects of his presidency - Essay Example Body During the period of Andrew Jackson’s presidency, a huge amount of population that belonged to the group of Native Americans resided in the regions located east of the Mississippi River as well as West of the Appalachian Mountains (Tucker 667). Although the natives claimed that the land belonged to them, Jackson was against their view and took strong measures against them. He evacuated these Native Americans from their homeland by bribing the leaders of their tribes and even coerced them at the tip of the gun. Due to measures taken by Jackson, these individuals had to travel to look for a new place to settle and due to the difficulty in finding a new location, several of them experienced death and a huge population of those who died included women and children. This event clearly shows that Jackson used his powers in an unethical way and worked against the rights of humans. Human rights are the basis of the foundation of the American society; still Jackson used his power to violate human rights. Due to this move made by Jackson, Native Americans were forced to blend into other cultures and this move is in violation of an individuals’ right of choosing what is right and what is wrong for them. His mal treatment with the Natives did not come to an end even after he kicked them out of their own homeland. The Cherokee, an Indian tribe tried to settle in the region that is referred to as the American Deep South and tried to blend through the act of cultural transformation. While this transformation was taking place, Andrew Jackson again dislocated the Native Americans through the enactment of Indian Removal Act that was enacted during the period of 1830 (Schultz 637). By the period of 1838, the Cherokee community was the last Native American community that was evacuated from their land. Due to this evacuation and relocation a total of 4,000 members of the community of Cherokees experienced death and this incident was regarded as Cherokee Trail of Fears (Seale 259). This movement took place because gold was found in the region where the community settled and Jackson tried to add the region to the state of Georgia, while the Cherokee community protested and took the matters to the court. The court announced the decision in the favor of the community, but Jackson operated against the rulings of the court and took measures to move the community from the region. Again, the rights of the Native Americans were violated by the president. This event even shows that Jackson was misusing his powers as a president and believed that he was above the court of law. When President Jackson came into action, the government system was quite fair in nature, but He reversed fair practices and started operating a corrupt government. He introduced the spoils system; according to this system the president and or the winning political party has the power of electing anybody to any position in the government (Massey 126). He manipulated the governmen t with his powers and replaced the experienced holders of government positions with inexperienced ones. The individuals who were selected to take over government positions were mostly close associated of the president and did not know how to run the affairs. This event even confirms that the president used his powers to manipulate and to obtain personal benefits while disregarding the benefit

Air Force Space Surveillance System Essay Example | Topics and Well Written Essays - 1000 words

Air Force Space Surveillance System - Essay Example Practical, technical, and policy aspects of the Air Force Space Surveillance System Practically, the air force system for surveillance is used for the purpose of tracking objects with precise accuracy in the entire existing satellite catalogue. It is applicable also in the US military for the purpose of tracking both medium and large sized objects that exists in the orbit. It is capable of tracking approximately 23,000 manmade equipments and objects rotating in the orbit taken by Earth itself. This material information is used by the US military for the sole purpose of SSA operations and work. These operations include the detection of potential and dangerous manmade and natural threats to its orbiting satellites (Chaplian, 2010). Additionally, practically it is used for the detection of the close approaching objects that could result into devastating and unfortunate collisions. Technically, the air force system for surveillance has three distinctive transmitters located at differenti ated places in the United States of America. The differentiated technical locations are Lake Kickapoo, Jordan Lake, and Gila River. These places have been selected since they are strategically vital and workable with the surveillance system operative mechanisms. The one that is located at Lake Kickapoo is believed to be the most powerful and essential continuous wave station globally. It works and operates with a radiated power of about 768Â  kWv on a scope of 216.97927 MHz (Angelo, 2009). The other two locations have their own distinctive technical qualities as well. These qualities are the same. They both share the commonality of having the originality in design by possessing the antennas twice the current length. This is important as it allows the two transmitters to have greater and stronger radiated power. Apart from the transmitters, there exits receiving stations. Policy aspects of the AFSSS The policy aspects of the air force system for surveillance are numerous. The fast p olicy in regard to the air force system for surveillance was operated under a maintenance and operations contract. This ensured that the daily running and operations of the air force system for surveillance was under a contractual accord under the Five Rivers Service. The Five Rivers Service is based in Colorado. The other policy that revolved around the air force system for surveillance is that it had differentiated aspects that related to its running. This included policies regarding its contract modification aimed at managing, operating, and logistically supporting the total nine surveillance field stations. This was done for the fiscal year of 2012. It enabled the air force system of surveillance to continue to operate. Tool for decision-making The air force system for surveillance works by under a given contractor who mans it providing all the required labor support and personnel to maintain and operate all the seven AFSSS filed stations. The contractor works on checking the pe rformance of the seven field stations since the air force system for surveillance has been identifies as a crucial and vital defense system. The entire system works by being manned 24/7 on a 7-days-a –week basis annually at the respective transmitter sites. The tool is used for decision making since it monitors the threats that exist to space and earth satellites. This means that in any case when there is a threat of collision or damage probability on lone of these satellites; decisions have to be made on whether the threat should be terminated

QUANTITATIVE DECISION MAKING Essay Example | Topics and Well Written Essays - 250 words

QUANTITATIVE DECISION MAKING - Essay Example Requirements of performing a quantitative analysis are the presence of a sample (upon which the analysis would be performed), descriptive statistics, and a deductive reasoning. Practical examples of quantitative Analysis Some practical examples of quantitative analysis are ‘Financial Systems Analysis’ and ‘Time Value of Money’. Financial systems analysis used by managers, creditors and investors are used to measure the success of a company’s financial goals. The income sales ratio of two organizations can quantitatively be compared by analysis. How do managers use this in the business world? Managers use quantitative analysis essentially at every step and decision within their organization. For a manufacturing firm for example, the record of orders fulfilled, the ratio of manufacturing parts incorporated, the record of sales made, the record of labor incorporated and the record of expenses incurred can be analyzed at separate levels by performing quan titative analysis techniques on the raw data. The analysis techniques quantify the raw data by sampling and grouping it. The data is then analyzed and graphically projected. The graphical representation of quantified data displays current and projected trends of the organization.

Supermax Prisons Essay Example | Topics and Well Written Essays - 500 words

Supermax Prisons - Essay Example The first feature of a control unit prison is that prisoners are kept in solitary confinement in tiny cells and they do not have the privilege of congregate dining, exercise, religious services and there are no work opportunities (CEML, par 2). Control unit prisons do not have official policies regarding their restrictions. Furthermore, the punishments inflicted on the prisoners are made in the guise of administrative measures (CEML, par 2). Reading through the article, one cannot help but feel pity for the prisoners of these control unit prisons. One was not aware that there is a proliferation of human rights violation inside the control units. The cruelty and brutality of the physical as well as psychological tortures imposed on the prisoners are beyond one’s imagination. Aside from the abuse that the prisoners suffer from the prison guards, there is no intention of rehabilitation in these control units. What is even more surprising is that many prisons in several states in the US have emulated the inhuman conditions that have prevailed in the Marion prison. According to prison officials, the spread of the control units all over the US is due to three reasons. They claim that the control units contain the most violent prisoners who need to be separated from other prisons (CEML, par 40). They go on further to say that violence is reduced because the most violent person is isolated. Lastly, prison officials argue that security can be minimized at the other prisons because of the reduction of violence brought about by the absence of the worst prisoners (CEML, par 40). As if the government was not satisfied with the ruthlessness in the Marion, it even created a replacement that boasts of tighter control for prisoners. The Florence prison is supposed to possess a â€Å"state of the art technology† with electronic doors, cameras and audio equipment (CEML, par 28). Human contact with prisoners

The framing of the church settlement of 1559 Essay Example for Free

The framing of the church settlement of 1559 Essay Elizabeth faced numerous obstacles following her accession as Queen of England, but the main sector of concern was the religious aspect of society. England was at war against the France, as they sided with the Spanish, and also the Parliament was a key constituent of Elizabethan religious settlement. The Parliament was a hindrance to Elizabeth’s progress as many of the Parliament members were religious conservatives, which implied difficulty when presenting and passing the bill to the House of Commons. Presenting the bill to the House of Lords would prove toughest to Elizabeth and her ministers. It cannot be denied that her personal preference and her Counsel’s decisions respectively played a large role in making sure the bill was passed, although it must be acknowledged that she and her councilors had to compromise to achieve their main religious aims. Susan Doran believes that Queen Elizabeth had successfully fulfilled her goal in terms of religious settlement, while her councilors thought the general outcome fell short of her primary plans. The complicated international affairs that England was stuck in after Mary’s reign put Elizabeth in a troublesome position. As Edmund Grindal, Bishop of London, proposed, plans for religious settlement were heavily delayed to the desperate search for peace. Elizabeth had to deviate from her main plans for religious settlement has she had to be involved in he ongoing war against Spain, which England had entered in 1557, later into Mary’s reign. Furthermore, to make matters worse, she had to prevent any potential threat to the throne from Mary Stuart, who was in alliance with France. In order to prevent Catholic nations from turning against England and to avoid any large-scale domestic uprising amongst English Catholics, Elizabeth was keen on not infuriating Catholics. She pursued this plan by retaining certain aspects of the traditional Catholic Church. On the other hand, she still showed signs of Protestant settlement, as she had recalled her papal ambassador and had formed alliance with strongly Protestant German princes. The Peace of Cateau-Cambresis in 1559 would emphasise on the link between Elizabethan religious settlement and England’s international affair. Even though, this would result in the loss of Calais, the borders neighbouring Scotland would be soothed and English settlement could be spread more quickly. In addition, retaining hope in Philip II to potentially marry Elizabeth in the nearer future would enable Philip II to make sure the Pope did not take any action against Elizabeth. Although, she does eventually get excommunicated, this is much later on in the reign where Philip II’s hopes have dried up. After international affairs were gradually settled through the peace treaty, it was her personal preference that played a key role in the religious settlement. It is crystal clear that Elizabeth desired a Protestant settlement but not a radical one. She rejected papal authority unsurprisingly and also denied the concept of transubstantiation, which caused tremors amongst the more conservatives of Elizabeth’s reign. Even with clear motives of Protestant settlement, she was still keen on sustaining certain traditional and conservative aspects of the Church. She was very fond of Catholic ornaments in the Royal Chapel and had Catholic musicians and choir in her presence. Even though she rejected the doctrine of transubstantiation, she still partially accepted the concept that there was some sort of presence in the communion bread and wine, which was a common though amongst Lutherans. Such personal preference were reflected directly in her proposal to Parliament as she wanted to reintroduce the 1552 Book of Common Prayer and break away from papal authority. However, the House of Lords did not allow the bill to be passed, which is why Elizabeth and her ministers had to take a different approach to religious settlement. Furthermore, Elizabeth’s counsel could be considered another large body to have influenced religious settlement. She had appointed members who had previously served Edward VI, which would imply an already-Protestant mindset. It is acknowledged that there were many members of her Privy Council who were strong Catholics for international affairs of not having Catholic states turn against England. However, as her appointment of Francis Knollys, earl of Bedford, and William Cecil, she was still keen on having the fundamental protestant foundation even within her councilors. For instance, William Cecil and Nicholas Bacon were key members of the Privy Council who were able to advise and guide the Queen before and during initial rejections and failures of passing the Bill. Such failures including Winchester and Shrewsbury voting against the Bill still emphasise the influence the members had on Elizabeth’s decision and the Bill itself. The last large consideration that influenced religious settlement was the Parliament itself. It had rejected the first bill proposed by Elizabeth until they made amendments for the final settlement. Elizabeth tried to discredit and Marian bishops before the amended bills were to be re-proposed to Parliament. Although Elizabeth was indeed able to hinder the Catholic bishop, there were key amendements made in the bill. For instance, Elizabeth was given the title â€Å"Supreme Governor† not â€Å"Supreme Head†. It is unclear whether or not this change in title name was for conservative reasons or to calm political stirs of a woman naming herself superior to laymen. However, it still ensured her to have as much authority as Henry VIII or her brother. Amendements in the Uniformity Bill targeted the concept of transubstantiation as people were not in favour of the complete denial and rejection of this doctrine. Therefore, priests modified the words used in the Uniformity Bill to create deliberate ambiguity. This would allow diverse interpretations to be made by peers allowing less opposition. Last, the â€Å"Ornaments Rubric† allowed traditional vestments and ornaments to be sustained in Church. It can be argued that the Catholics Bishops in the House of Lords had finally been given the upper hand; however, it must also be taken into consideration that this could simply have been part of Elizabeth’s personal preference as she was keen on keeping traditional ornaments in her Royal Chapel. In conclusion, the framing of the religious settlement of 1559 was based on numerous factors. The main influence on the settlement was her personal religious preferences such as the traditional ornaments and a not-so-radical Protestant movement. The international dilemma she was stuck in had indeed hindered her progress of Protestant settlement. However, as this tribulation cleared up, her council members could help her construct her bill to be passed. However, the Parliament’s involvement or influence must also be considered largely as it rejected the first Bill and allowed important amendments to be made.

Higher education Essay Example for Free

Higher education Essay 1. Introduction IT HAS BEEN A LONG FELT NECESSITY TO ALIGN HIGHER EDUCATION WITH THE EMERGING NEEDS OF THE ECONOMY SO AS TO ENSURE THAT THE GRADUATES OF HIGHER EDUCATION SYSTEM HAVE ADEQUATE KNOWLEDGE AND SKILLS FOR EMPLOYMENT AND ENTREPRENEURSHIP. THE HIGHER EDUCATION SYSTEM HAS TO INCORPORATE THE REQUIREMENTS OF VARIOUS INDUSTRIES IN ITS CURRICULUM, IN AN INNOVATIVE AND FLEXIBLE MANNER WHILE DEVELOPING A HOLISTIC AND WELL GROOMED GRADUATE. MINISTRY OF HRD, GOVERNMENT OF INDIA HAD ISSUED AN EXECUTIVE ORDER IN SEPTEMBER 2011 FOR NATIONAL VOCATIONAL EDUCATION QUALIFICATION FRAMEWORK (NVEQF). SUBSEQUENTLY, MINISTRY OF FINANCE, IN PURSUANCE OF  THE DECISION OF CABINET COMMITTEE ON SKILL DEVELOPMENT IN ITS MEETING held on 19th December, 2013, has issued a notification for National Skills QUALIFICATIONS FRAMEWORK (NSQF) WHICH SUPERSEDES NVEQF. UNDER THE NATIONAL SKILLS DEVELOPMENT CORPORATION, MANY SECTOR SKILL COUNCILS REPRESENTING RESPECTIVE INDUSTRIES HAVE/ARE BEING ESTABLISHED. ONE OF THE MANDATES OF SECTOR SKILL COUNCILS IS TO DEVELOP NATIONAL OCCUPATIONAL STANDARDS (NOSS) FOR VARIOUS JOB ROLES IN THEIR RESPECTIVE INDUSTRIES. IT IS IMPORTANT TO EMBED THE COMPETENCIES REQUIRED FOR SPECIFIC JOB ROLES IN THE HIGHER EDUCATION SYSTEM FOR CREATING EMPLOYABLE  GRADUATES. THE UNIVERSITY GRANTS COMMISSION (UGC) HAS LAUNCHED A SCHEME ON SKILLS DEVELOPMENT BASED HIGHER EDUCATION AS PART OF COLLEGE/UNIVERSITY EDUCATION, LEADING TO BACHELOR OF VOCATION (B. VOC. ) DEGREE WITH MULTIPLE EXITS SUCH AS DIPLOMA/ADVANCED DIPLOMA UNDER THE NSQF. THE B. VOC. PROGRAMME IS FOCUSED ON UNIVERSITIES AND COLLEGES PROVIDING UNDERGRADUATE STUDIES WHICH WOULD ALSO INCORPORATE SPECIFIC JOB ROLES AND THEIR NOSS ALONGWITH BROAD BASED GENERAL EDUCATION. THIS WOULD ENABLE THE GRADUATES COMPLETING B. VOC. TO MAKE A MEANINGFUL PARTICIPATION IN ACCELERATING INDIA’S ECONOMY BY GAINING APPROPRIATE  EMPLOYMENT, BECOMING ENTREPRENEURS AND CREATING APPROPRIATE KNOWLEDGE. UGC? GUIDELINES? FOR? B. Voc.? 2 2. Objectives 2. 1 To provide judicious mix of skills relating to a profession and appropriate CONTENT OF GENERAL EDUCATION. 2. 2 To ensure that the students have adequate knowledge and skills, so that THEY ARE WORK READY AT EACH EXIT POINT OF THE PROGRAMME. 2. 3 To provide flexibility to the students by means of pre-defined entry and MULTIPLE EXIT POINTS. 2. 4 To integrate NSQF within the undergraduate level of higher education in ORDER TO ENHANCE EMPLOYABILITY OF THE GRADUATES AND MEET INDUSTRY REQUIREMENTS. SUCH GRADUATES APART FROM MEETING THE NEEDS OF LOCAL AND NATIONAL INDUSTRY ARE ALSO EXPECTED TO BE EQUIPPED TO BECOME PART OF THE GLOBAL WORKFORCE. 2. 5 To provide vertical mobility to students coming out of 10+2 with VOCATIONAL SUBJECTS. 3. Levels of Awards THE CERTIFICATION LEVELS WILL LEAD TO DIPLOMA/ADVANCED DIPLOMA/B. VOC. DEGREE IN ONE OR MORE VOCATIONAL AREAS AND WILL BE OFFERED UNDER THE AEGIS OF THE UNIVERSITY. THIS IS OUT-LINED IN TABLE I. TABLE 1: AWARDS AWARD DURATION CORRESPONDING NSQF LEVEL DIPLOMA 1 YEAR 5 ADVANCED DIPLOMA 2 YEARS 6 B. VOC. DEGREE 3 YEARS 7 EACH OF THE AWARDS SHALL SPECIFY WITHIN PARENTHESIS, THE SKILL(S) SPECIALIZATION FOR EXAMPLE: ? B. Voc. (Renewably Energy Management) ? B. Voc. (Retail Management) ? B. Voc. (Retail Management and IT) ? Advanced Diploma (Food Processing) ? Advanced Diploma (Health Care) ? Advanced Diploma (Hospitality and Tourism) ? Diploma (Green House Technology) ? Diploma (BPO) ? Diploma (Jewellery Designing) UGC? GUIDELINES? FOR? B. Voc.? 3 A suggestive list of vocational sectors and related specializations is given below: Universities and colleges may like to identify additional sectors/specializations in view of the potential for employment in the local industries and meet the standards laid  down by National Occupational Standards. No. Sector Specialization 1. Automobiles 1. Engine Testing 2. Vehicle Testing 3. Vehicle Quality 4. Auto Electricals and Electronics. 5. Farm Equipment and Machinery 2. Entertainment 1. Theatre and Stage Craft 2. Contemporary Western Dance 3. Theatre studies 4. Acting 3. Information Technology 1. Software Development 4 Telecommunications 1. Mobile Communication 5. Marketing 1. Retail 6. Agriculture 1. Farm Machinery and Power Engineering 2. Green House Technology 3. Renewable Energy 4. Processing and Food Engineering 5. Soil and Water Conservation 7. Construction 1. Building Technology 8. Applied Arts 1. Fashion Technology 2. Interior Design 3. Jewellery Design 9. Tourism 1. Tourism and Service Industry 10. Printing and Publishing 1. Printing Technology UGC? GUIDELINES? FOR? B. Voc.? 4 4. ELIGIBILITY /TARGET ALL UNIVERSITIES AND COLLEGES INCLUDED UNDER SECTIONS 2(F) AND 12(B) OF THE UGC ACT, 1956 AND RECEIVING PLAN GRANT FROM THE UGC ARE ELIGIBLE FOR UGC FINANCIAL ASSISTANCE UNDER THE SCHEME. 5. ELIGIBILITY FOR ADMISSION IN B. VOC. THE ELIGIBILITY CONDITION FOR ADMISSION TO B. VOC. PROGRAMME SHALL BE 10+2 OR EQUIVALENT, IN ANY STREAM. 6. CURRICULUM 6. 1 THE CURRICULUM IN EACH OF THE YEARS OF THE PROGRAMME WOULD BE A. SUITABLE MIX OF GENERAL EDUCATION AND SKILL DEVELOPMENT COMPONENTS. CURRICULUM DETAILS SHOULD BE WORKED BEFORE INTRODUCTION OF THE COURSES. 6. 2 SKILL DEVELOPMENT COMPONENTS: (I) THE FOCUS OF SKILL DEVELOPMENT COMPONENTS SHALL BE TO EQUIP STUDENTS WITH APPROPRIATE KNOWLEDGE, PRACTICE AND ATTITUDE, SO AS TO BECOME WORK READY. THE SKILL DEVELOPMENT COMPONENTS SHOULD BE RELEVANT TO THE INDUSTRIES AS PER THEIR REQUIREMENTS. (II) THE CURRICULUM SHOULD NECESSARILY EMBED WITHIN ITSELF, NATIONAL OCCUPATIONAL STANDARDS (NOSS) OF SPECIFIC JOB ROLES WITHIN THE INDUSTRY SECTOR(S). THIS WOULD ENABLE THE STUDENTS TO MEET THE  LEARNING OUTCOMES SPECIFIED IN THE NOSS. (III) THE OVERALL DESIGN OF THE SKILL DEVELOPMENT COMPONENT ALONG WITH THE JOB ROLES SELECTED SHOULD BE SUCH THAT IT LEADS TO A COMPREHENSIVE SPECIALIZATION IN ONE OR TWO DOMAINS. (IV) IN CASE NOS IS NOT AVAILABLE FOR A SPECIFIC AREA / JOB ROLE, THE UNIVERSITY/COLLEGE SHOULD GET THE CURRICULUM FOR THIS DEVELOPED IN CONSULTATION WITH INDUSTRY EXPERTS. (V) THE CURRICULUM SHOULD ALSO FOCUS ON WORK-READINESS SKILLS IN EACH OF THE THREE YEARS. (VI) ADEQUATE ATTENTION NEEDS TO BE GIVEN IN CURRICULUM DESIGN TO PRACTICAL WORK, ON THE JOB TRAINING, DEVELOPMENT OF STUDENT  PORTFOLIOS AND PROJECT WORK. UGC? GUIDELINES? FOR? B. Voc.? 5 6. 3 GENERAL EDUCATION COMPONENT: (i) The general education component should adhere to the normal UNIVERSITY STANDARDS. IT SHOULD EMPHASISE AND OFFER COURSES WHICH PROVIDE HOLISTIC DEVELOPMENT. HOWEVER, IT SHOULD NOT EXCEED 40% OF THE TOTAL CURRICULUM. (ii) Adequate emphasis should be given to language and COMMUNICATION SKILLS. 6. 4 THE CURRICULUM SHOULD BE DESIGNED IN A MANNER THAT AT THE END OF YEAR- 1, YEAR-2 AND YEAR-3, STUDENTS ARE ABLE TO MEET BELOW MENTIONED LEVEL DESCRIPTORS FOR LEVEL 5, 6 AND 7 OF NSQF, RESPECTIVELY: Level Process required  Professional knowledge Professional skill Core skill Responsibili ty Level 5 Job that requires well developed skill, with clear choice of procedures in familiar context Knowledge of facts, principles, processes and general concepts, in a field of work or study A range of cognitive and practical skills required to accomplish tasks and solve problems by selecting and applying basic methods, tools materials and information Desired mathematical skill, understandin g of social, political and some skill of collecting and organizing information, communicati on. Responsibilit y for own work and learning and some responsibility  for other’s works and learning Level 6 Demands wide range of specialized technical skill, clarity of knowledge and practice in broad range of activity involving standard / non-standard practices Factual and theoretical knowledge in broad contexts within a field of work or study A range of cognitive and practical skills required to generate solutions to specific problems in a field of work or study Reasonably good in mathematical calculation, understandin g of social, political and, reasonably good in data collecting organizing information, and logical communicati on Responsibilit y for own work and learning and full  responsibility for other’s works and learning UGC? GUIDELINES? FOR? B. Voc.? 6 Level 7 Requires a command of wide ranging specialized theoretical and practical skill, involving variable routine and non-routine context Wide ranging, factual and theoretical knowledge in broad contexts within a field of work or study Wide range of cognitive and practical skills required to generate solutions to specific problems in a field of work or study Good logical and mathematical skill understandin g of social political and natural environment good in collecting and organizing information, communicati on and presentation skill  Full responsibility for output of group and development a. Professional knowledge is what a learner should know and understand WITH REFERENCE TO THE SUBJECT. b. Professional skills are what a learner should be able to do. c. Core skills refer to basic skills involving dexterity and use of methods, MATERIALS, TOOLS AND INSTRUMENTS USED TO PERFORM THE JOB INCLUDING IT SKILLS NEEDED FOR THAT JOB. d. Responsibility aspect determines the (i) nature of working relationship, (ii) LEVEL OF RESPONSIBILITY FOR SELF AND OTHERS, (III) MANAGING CHANGE AND (IV) ACCOUNTABILITY FOR ACTIONS. 6. 5 Guidelines for credit calculations. 6. 5. 1 THIS SECTION CONTAINS CREDIT FRAMEWORK GUIDELINES. THE UNIVERSITY/ COLLEGE SHOULD USE THESE GUIDELINES OR ADAPT THEM. 6. 5. 2 THE FOLLOWING FORMULA SHOULD BE USED FOR CONVERSION OF TIME INTO CREDIT HOURS. a) One Credit would mean equivalent of 15 periods of 60 minutes EACH, FOR THEORY, WORKSHOPS/LABS AND TUTORIALS; b) For internship/field work, the credit weightage for equivalent hours SHALL BE 50% OF THAT FOR LECTURES/WORKSHOPS; c) For self-learning, based on e-content or otherwise, the credit WEIGHTAGE FOR EQUIVALENT HOURS OF STUDY SHOULD BE 50% OR LESS OF THAT FOR LECTURES/WORKSHOPS. UGC? GUIDELINES? FOR? B. Voc.? 7 6. 5. 3 THE SUGGESTED CREDITS FOR EACH OF THE YEARS ARE AS FOLLOWS: TABLE 3 NSQF Level Skill Component Credits General Education Credits Normal calendar duration Exit Points / Awards Year 3 36 24 Six Semesters B. Voc. Year 2 36 24 Four semesters Advanced Diploma Year 1 36 24 Two semesters Diploma TOTAL 108 72 6. 6 THE UNIVERSITY/COLLEGE SHOULD DEVELOP THE CURRICULUM IN CONSULTATION WITH INDUSTRY. THE INDUSTRY REPRESENTATIVES SHOULD BE AN INTEGRAL PART OF THE ACADEMIC BODIES OF THE UNIVERSITY/COLLEGE. WHILE DOING SO, THEY SHOULD WORK TOWARDS ALIGNING THE SKILLS COMPONENTS OF THE CURRICULUM  WITH THE NOSS DEVELOPED BY THE RESPECTIVE SECTOR SKILL COUNCILS. 6. 7 THE PRACTICAL/HANDS-ON PORTION OF THE SKILLS DEVELOPMENT COMPONENTS OF THE CURRICULUM SHOULD BE TRANSACTED NORMALLY IN FACE TO FACE MODE, EITHER WITHIN THE INSTITUTION OR AT A SPECIFIED INDUSTRY PARTNER LOCATION. HOWEVER, IF DUE TO THE NATURE OF THE SKILL TO BE LEARNT, THE INDUSTRY PRESCRIBES ITS ACQUISITION THROUGH BLENDED OR DISTANCE MODE, THE SAME MAY BE FOLLOWED. IN NUTSHELL, THE EMPHASIS SHOULD BE ON LEARNING OUTCOME AND NOT THE INPUT AND PROCESSES. THE GENERAL EDUCATION COMPONENT OF THE CURRICULUM MAY BE TRANSACTED IN ANY MODE WITHOUT COMPROMISING ON QUALITY. 6. 8 THE SPECIALIZATION CHOSEN BY THE UNIVERSITY/COLLEGE SHOULD BE BASED ON THE EXISTING/FORECASTED SKILL GAPS IN THE INDUSTRY. 6. 9 RELEVANCE OF PROGRAMMES OFFERED, ALONG WITH THAT OF THE CURRICULUM IS IMPORTANT. THEREFORE, MONITORING, EVALUATION AND UPDATING OF THE CURRICULUM NEEDS TO BE DONE PERIODICALLY IN CONSULTATION WITH INDUSTRY, KEEPING IN VIEW THEIR REQUIREMENTS AND CHANGES IN NOSS. THE UNIVERSITY/COLLEGE SHOULD INCORPORATE THIS AS A CONTINUOUS AND DYNAMIC PROCESS IN-BUILT IN THEIR SYSTEM. 6. 10 THE UNIVERSITY/COLLEGE SHOULD APPROPRIATELY USE TECHNOLOGY TO IMPROVE THE EFFECTIVENESS OF THE DELIVERY OF COURSES. UGC? GUIDELINES? FOR? B. Voc.? 8 7. EXAMINATION AND ASSESSMENT 7. 1 THE ASSESSMENT FOR THE GENERAL EDUCATION COMPONENT SHOULD BE DONE BY THE UNIVERSITY AS PER THEIR PREVAILING STANDARDS AND PROCEDURES. 7. 2 THE ASSESSMENT FOR THE SKILL DEVELOPMENT COMPONENTS SHOULD NECESSARILY FOCUS ON PRACTICAL DEMONSTRATIONS OF THE SKILLS ACQUIRED. THE UNIVERSITY MAY LIKE TO CONSULT THE RESPECTIVE SECTOR SKILL COUNCIL FOR DESIGNING THE EXAMINATION AND ASSESSMENT PATTERN FOR THE SKILL DEVELOPMENT COMPONENTS. THE UNIVERSITY MAY ALSO CONSIDER USING THE DESIGNATED ASSESSORS OF SECTOR SKILL COUNCILS/INDUSTRY ASSOCIATIONS FOR THE CONDUCT OF PRACTICAL ASSESSMENT. 7. 3 THE UNIVERSITY HAS TO NECESSARILY ESTABLISH A CREDIT BASED ASSESSMENT AND EVALUATION SYSTEM FOR THE B. VOC. PROGRAMME. 8. INFRASTRUCTURE AND FACULTY FOR B. VOC. PROGRAMME 8. 1 UNIVERSITY/COLLEGE NEEDS TO HAVE ADEQUATE LABORATORY /WORKSHOP FACILITIES FOR FACE TO FACE DELIVERY OF SKILLS AND HANDS-ON PRACTICE EITHER OWNED OR ARRANGED THROUGH TIE-UP WITH THE PARTNER INDUSTRY OR ANY INSTITUTION RECOGNIZED BY THE CERTIFICATION AGENCY. 8. 2 THE UNIVERSITY/COLLEGE SHOULD USE ITS REGULAR FACULTY FOR THE CONDUCT OF GENERAL EDUCATION COMPONENT AND ALSO FOR THE SKILLS COMPONENTS, IF  EXISTING. ADDITIONALLY, THEY MAY HIRE FACULTY ON CONTRACTUAL BASIS AND GUEST FACULTY IN THE CORE TRADES ONLY AS PER UGC NORMS. 8. 3 THERE IS A PROVISION OF ONE ASSOCIATE PROFESSOR AND TWO ASSISTANT PROFESSORS (PURELY ON CONTRACTUAL BASIS DURING XII PLAN PERIOD), UNDER THIS SCHEME. 9. STUDENT FEE STUDENT FEE SHOULD BE DECIDED AS PER THE PREVALENT MECHANISM FOR FEE FIXATION FOR AIDED COURSES IN THE UNIVERSITY/COLLEGE. 10. OTHER CONDITIONS 10. 1 THE UNIVERSITY HAS TO NECESSARILY ADOPT A CREDIT BASED ASSESSMENT AND EVALUATION SYSTEM IN SEMESTER MODE FOR THE B. VOC. PROGRAMME. 10. 2 THE B. VOC. PROGRAMME SHOULD BE EVALUATED AND MONITORED BY THE UNIVERSITY/COLLEGE THROUGH ITS EXISTING MECHANISM OR BY SETTING UP AN ALTERNATE MECHANISM, WITH INVOLVEMENT OF INDUSTRY REPRESENTATIVES. UGC? GUIDELINES? FOR? B. Voc.? 9 10. 3 UNIVERSITY/COLLEGE SHOULD DEVELOP BYE-LAWS FOR RUNNING THE B. VOC. DEGREE PROGRAMME. 10. 4 BYE-LAWS FOR THE COURSE SHOULD INCLUDE PROVISION OF REJOINING OR RE- ADMISSION TO THE COURSE DURING THE PERIOD AND COUNSELING/ MECHANISM FOR PROPER SELECTION OF SPECIALIZATION BY THE STUDENTS AT THE TIME OF ADMISSION. 10. 5 A COLLEGE/UNIVERSITY SHOULD OFFER A MINIMUM OF 2 SKILL SPECIALIZATIONS. UNDER THE B. VOC. PROGRAMME. 11. FINANCIAL ASSISTANCE THE FINANCIAL ALLOCATION WILL BE MADE BY UGC WITHIN OVERALL CEILING OF RS. 1. 85 CRORES FOR A PERIOD OF THREE YEARS UNDER DIFFERENT HEADS AS GIVEN BELOW: 11. 1 START-UP ASSISTANCE: A ONE-TIME START-UP ASSISTANCE OF RS. 50. 00 LAKH FOR SETTING UP OF LABORATORIES/WORKSHOPS FACILITIES, PROCUREMENT OF TEACHING AND LEARNING MATERIALS, MACHINERIES/EQUIPMENT AND RENOVATION. THIS SHALL NOT COVER ANY NEW CONSTRUCTION. 11. 2 FACULTY: ONE ASSOCIATE PROFESSOR AND TWO ASSISTANT PROFESSORS – RS. 75. 00 LAKH FOR THREE YEARS (PURELY ON CONTRACTUAL BASIS DURING XII PLAN  PERIOD). RS. 25. 00 LAKHS PER ANNUM X 3 YEARS = RS. 75. 00 LAKH TO BE REIMBURSED ON ACTUAL BASIS WITHIN THE TOTAL ALLOCATION. 11. 3 INSTITUTIONS SHOULD RECRUIT FACULTY ONLY IN THE CORE TRADES BEING OFFERED UNDER THE SCHEME. 11. 4 VISITING/GUEST FACULTY: RS. 5. 00 LAKH FOR FIRST YEAR AND RS. 10. 00 LAKH FOR SECOND AND RS. 15. 00 LAKH FOR THIRD YEAR. 11. 5 THE OPERATIVE YEARLY COST: THE OPERATIVE YEARLY COST SHALL BE OF RS. 10. 00 LAKHS PER ANNUM. EXISTING FACULTY RS. 500/- PER LECTURE VISITING/GUEST FACULTY RS. 2,000/- PER LECTURE UGC? GUIDELINES? FOR? B. Voc.? 10 12. PROCEDURE FOR APPLYING UNDER THE SCHEME  12. 1 UNIVERSITY/COLLEGE SHOULD SUBMIT PROPOSAL FOR INTRODUCTION OF B. VOC. PROGRAMME DIRECTLY TO UGC IN THE PRESCRIBED PROFORMA ATTACHED AS ANNEXURE-I. HOWEVER, COLLEGE SHOULD ALSO SUBMIT A COPY OF â€Å"NO OBJECTION CERTIFICATE† FROM THE AFFILIATING UNIVERSITY. 13. ANNEXURES (A) PROFORMA FOR SUBMISSION OF PROPOSAL FOR INTRODUCTION OF B. VOC. PROGRAMME AS GIVEN IN ANNEXURE-I. (B) PROFORMA FOR SUBMISSION OF MANDATE FORM AS GIVEN IN ANNEXURE-II. (C) PROFORMA FOR UTILIZATION CERTIFICATE IS GIVEN IN ANNEXURE-III. (D) PROFORMA FOR SUBMISSION OF STATEMENT OF EXPENDITURE INCURRED FOR INTRODUCTION OF B. VOC. COURSE IS GIVEN IN ANNEXURE-IV. (E) PROFORMA FOR SUBMISSION OF ANNUAL PROGRESS REPORT IS GIVEN IN ANNEXURE-V. UGC? GUIDELINES? FOR? B. Voc.? 11 ANNEXURE-I Proposal Form for B. Voc. Programme 1. Details of the University / College: Please ensure that the details entered below match exactly with the details registered with UGC. 1. Name of the University / College: 2. Full Postal Address: 3. Name of the Affiliating University 4. Whether covered under Section 2(f) and 12(B) of the UGC Act, 1956 (If yes, please enclose a copy of the letter) Yes / No Whether Autonomous Yes / No 5. Whether the college is aided or  self financing? 6. Name, designation and contact details (Tel/fax/mobile/email) of Head of the Institution. 7. Website URL of the College / University 8. Any other relevant information (Maximum 100 words) College / University may like to share UGC? GUIDELINES? FOR? B. Voc.? 12 2. Details of the Proposed Skills Specialisations in the B. Voc. Program ( * ) This would be mentioned within Parenthesis in the name of the Award, e. g. B. Voc. (Specialisation) Programme Name of the Specialisation (*) Job Roles proposed to be covered in each year (Along with NSQF level) Proposed intake of students (Annually) Yr-1 Yr-2. Yr-3 UGC? GUIDELINES? FOR? B. Voc.? 13 3. Proposed subjects / papers in the General Education component in each of the three years. Year-1 Credits 1. 2. 3. 4. 5. Year-2 1. 2. 3. 4. 5. Year-3 1. 2. 3. 4. 5. UGC? GUIDELINES? FOR? B. Voc.? 14 4. Basis for choosing the specialisation(s): The choice of specialisation should be based on: a) Skills Gap requirements, to ensure that the program fulfils the skills requirement of industry; b) University / College has expertise in the specialisation; and c) University / College have one or more committed industry partner(s) for design, delivery, internship and placement. Provide detailed basis for the choice of each of the specialisation(s). This would be an important factor during the approval process of this proposal. 4. 1. Skill Gaps identified: Specialisation Skill Gaps Identified(Quantitative, Qualitative, Source,†¦) 1. 2. 3. 4. 2. Existing expertise of the University / College: Specialisation Existing expertise (Which can be leveraged by the institution) 1. 2. 3. UGC? GUIDELINES? FOR? B. Voc.? 15 4. 3. Industry Partner(s) S. No. Specialis ation Details of the Industry Partnership(s) Name of Organisation and Address Nature of Partnership / Support (*) Name, Designation  and Contact details of official 1. 2. 3. 4. (*) Curriculum design, content creation, admission, conduct of courses, provision of infrastructure (in University / College, at employer location), internship, placement, etc. 4. 3. 1. Attach MOU(s), if any, signed with the industry Partner(s): UGC? GUIDELINES? FOR? B. Voc.? 16 5. Curriculum Design and Approval 5. 1. What is the proposed process and plan for curriculum design? How is the University / College ensuring that the curriculum meets the objectives of the B. Voc. Program? 5. 2. Status / Plan for curriculumapproval by the appropriate body of the University / Colleges? 6. Student placement plan: 6. 1. How would the University / College set up an effective mechanism for placement of students? UGC? GUIDELINES? FOR? B. Voc.? 17 7. Faculty: 7. 1. Availability of Faculty(For year-1) Specialisation / Area Faculty Needed Available with Institution To be Recruited Guest Faculty Guest faculty to be provided by Industry Partner 1. 2. 3. 4. 5. 6. 7. 7. 2. Training needs of Faculty(For Year-1) S. No. Specialisation / Area Details of Training Needed and duration Training Provider 1. 2. 3. 4. 5. 6. UGC? GUIDELINES? FOR? B. Voc.? 18 8. Availability of Infrastructure 8. 1. 1. Details of physical infrastructure. Name of the Specialisation Availability of physical infrastructure Infrastructure Available in the College/ University To be provided by Industry Partner 1. Classroom Laboratory Workshop Library ICT Facility Others 2. Classroom Laboratory Workshop Library ICT Facility Others 3. Classroom Laboratory Workshop Library ICT Facility Others UGC? GUIDELINES? FOR? B. Voc.? 19 9. Details of Expenditure: (It is assumed that the existing infrastructure / faculty will be used as far as possible. The expenditure to be listed here is only for any incremental requirements the University / College may need. ) S. No. Components Expenditure (amounts in Rs. ) Remarks (Provide justification for expenditure) Y-1 Y-2 Y-3 Total 1. Faculty / Staff a. Contractual b. Guest c. Lab Assistant d. 2. Equipment for Labs / Workshops / Classrooms a. b. c. 3. Raw Materials etc. for Labs / Workshops a. b. c. 4. Faculty Training a. b. 5. Admission Process, Pre-admission Student Counselling etc. 6. Office Expenses / Contingencies (including expenditure on publicity, guidance and counselling, transport, field visits, postage, stationery, electricity, water etc. ) 7. Travel 8. Others a. Assessments b. Contingencies c. Workshops / conferences / seminars e. Any other expense TOTAL UGC? GUIDELINES? FOR? B. Voc.? 20 10. Student / Learner Fee details: (All figures in Rupees) S. No. Programme(s) Annual Fee per student Proposed student intake per year Total Fees proposed to be collected Y1 Y2 Y3 Total Y1 Y2 Y3 Total 1. 2. Total 11. Key Milestones / Plans for Year-1 Key Plans / Milestones Person Responsible Expected Completion Date 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 12. Any other Information which the host college / university may like to provide. _________________________________________________ Signature with Seal of the Head of the Host Institution Name : Date: UGC? GUIDELINES? FOR? B. Voc.? 21 ANNEXURE – II MANDATE FORM Electronic Clearing Service (Credit Clearing)/ Real Time Gross Settlement (RTGS) facility for receiving payments. A. Details of Accounts Holders:- 1. Name of Account Holder 2. Complete Contact Address 3. Telephone Number/Fax/E-mail B. Bank Account Details:- 1. Bank Name 2. Branch Name with Complete Address, Telephone No. and E-mail 3. Whether the Branch is computerized? 4. Whether the Branch is RTGS enabled? If yes then what is the Branch’s IFSC Code 5. Is the Branch also NEFT enabled? 6. Type of Bank Account (SB/Current /Cash Credit) 7. Complete Bank Account No. (Latest). 8. MICR Code of Bank I hereby declare that the particulars given above are correct and complete. If the transaction is delayed or not effected at all for reasons of incomplete or incorrect information I would not hold the use Institution responsible. I have read the option invitation letter and agree to discharge responsibility expected of me as a participant under the Scheme. Date: SignatureofCustomer Certified that the particulars furnished above are correct as per our records. (Bank’s Stamp) Date: SignatureofCustomer 1. Please attach a photocopy of cheque along with the verification obtained from the bank. 2. In case your Bank Branch is presently not â€Å"RTGS enabled†, then upon its up gradation to â€Å"RTGS Enabled† branch, please submit the information again in the above proforma to the Department at earliest. NOTE:- Refund of Security Deposit/ Hire Charges Due to operation of E-payment w. e. f. 01/04/2012 the Mandate form may please be submitted, duly verified by the bank, to this office for claiming Refund of Security Deposit/Hire Charges along with a photocopy of blank Cheque. UGC? GUIDELINES? FOR? B. Voc.? 22 ANNEXURE – III UNIVERSITY GRANTS COMMISSION, NEW DELHI UTILIZATION CERTIFICATE IT IS CERTIFIED THAT THE TOTAL GRANT OF RS. ___________ (RUPEES .. ) SANCTIONED BY THE UGC VIDE LETTER NO. F. _______________________ DATED___________ HAS BEEN UTILIZED BY THE COLLEGE/UNIVERSITY AS PER DETAILS GIVEN IN THE ATTACHED STATEMENT (AS PER ANNEXURE D) IN ACCORDANCE WITH THE TERMS AND CONDITIONS LAID DOWN BY THE UGC VIDE ITS LETTER NO__________ DATED______________. AND THAT ALL THE TERMS AND CONDITIONS HAVE BEEN FULFILLED BY THE COLLEGE/UNIVERSITY AND THE GRANT HAS BEEN UTILIZED FOR THE PURPOSE FOR WHICH IT WAS SANCTIONED. IT IS FURTHER CERTIFIED THAT THE INVENTORIES OF PERMANENT AND SEMI-PERMANENT ASSETS. CREATED/ACQUIRED WHOLLY OR MAINLY OUT OF THE GRANTS GIVEN BY THE UGC AS INDICATED IN THE ENCLOSED STATEMENT ARE BEING MAINTAINED IN THE PRESCRIBED FORM AND ARE BEING KEPT UP-TO-DATE AND THESE ASSETS HAVE NOT BEEN DISPOSED OFF, ENCUMBERED OR UTILIZED FOR ANY OTHER PURPOSE. IF AS A RESULT OF CHECK OR AUDIT OBJECTION, SOME IRREGULARITY IS NOTICED AT A LATER STAGE, THE COLLEGE/UNIVERSITY WILL REFUND THE OBJECTED AMOUNT. ___________________________________ ______________________________ SIGNATURE OF PRINCIPAL / REGISTRAR WITH SEAL SIGNATURE OF AUDITOR WITH SEAL NOTE: THE UTILIZATION CERTIFICATE SHOULD BE ACCOMPANIED BY AUDITED STATEMENT OF ACCOUNT INDICATING EXPENDITURE ON VARIOUS ITEMS. UGC? GUIDELINES? FOR? B. Voc.? 23 ANNEXURE-IV UNIVERSITY GRANTS COMMISSION PROFORMA FOR SUBMISSION OF STATEMENT OF EXPENDITURE INCURRED FOR THE OF B. VOC. PROGRAMMES (DIPLOMA/ ADVANCED DIPLOMA/DEGREE) 1. Name of the University/ College: 2. Name of the Vocational degree/Advance Diploma/Diploma Course: 3. No. Date of UGC’s approval No. F. _______________________________ Dated ___________________ 4. Period to which the accounts related : w. e. f. _____________________________ to ____________________________________________. 5. Details of actual expenditure incurred : Grants approved Grants released Unspent balance (i) (ii) (iii) (iv) NOTE 1. The statement of expenditure should be filled up separately for each vocational degree course. 2. List of equipment purchased should be submitted. 3. Details of periods taken, amount paid to leach teacher by name under guest faculty and internal faculty should be submitted. Signature Head of Institution / Principal/Registrar Govt. Auditor/CA UGC? GUIDELINES? FOR? B. Voc.? 24 ANNEXURE – V UNIVERSITY GRANTS COMMISSION, NEW DELHI ANNUAL PROGRESS REPORT (to be submitted annually to the UGC by each University /College) 1. Name and Address of the institution: 2. Name of the Head of the institution: 3. Period of the Progress Report: 4. Activities Taken up During the Year: 5. Utilization of Grants during the Year: 6. Specific Outcomes: 7. Difficulties encountered in implementation, if any: CERTIFICATE This is to certify that the data/ information presented in this Annual Progress Report are true and correct to the best of my knowledge and belief and the required documents will be provided to the UGC, as and when the same are called for. ____________________________________________ Signature with Seal of Head of the University /College Place: Date:

Advantages of Online Banking

Advantages of Online Banking Introduction In the recent years online banking has shot up where by making 21.5 million customers satisfied in using it easy, fast and most of all free services set up by banks in 2009 stated by the UK payments administration. All high tech banks offer the online banking system and most bank do not have branches only existing online. It is quite for a person to change to online banking, first the persons has to open an account with a bank or if they already have an account then just sign up for online banking with our current existing account. For security reasons the bank will provide we with a password which will enable us to activate our online banking system. These after they could log in any time they want. It is easy to open an online bank account and well worth the small amount of effort required. Even when some people are not that familiar with online applications, it is worth persisting through the process. The advantages of using online banking transactions include convenience, easier financial management, and time and cost savings. Even the environment benefits because vast quantities of paperwork doesnt need to be generated. Online banking transactions can simplify our life by reducing the stress of managing our bills and savings. They are easy to use and from the banks point of view, secure. We can have our pay deposited directly into our account and disburse it online. The old way of lining up in bank queues and keeping a track of paperwork is no longer necessary. All banks make it easier to manage our checking account by allowing our set up e-mail alerts so our can be notified when checks clear or when our balance slips below a certain level. There is also a detailed listing of our cancelled checks. Banks describe online banking as a powerful value added tool to attract and retain new customers while helping to eliminate costly paper handling, in an increasingly competitive banking environment. Nowdays, most large banks, many regional banks and even smaller banks and credit unions offer some form of online banking, variously known as PC banking, home banking, electronic banking or Internet banking. Advantages On Online Banking Online banking in this generation is becoming more and more common. Customers can do plenty of transaction just through Internet. Online banking also allows customers to keep track of record on our accounts. Customers can check on it in everywhere and anytime they want. Online banking makes their life easier and faster. Below are a few advantages of using online banking: 1. Pay Your Bills Online For the past 5 years back, bank allowing their customers to pay their bills online. By paying their bills online, customers are starting to eliminate the method by post. It is faster and users are allowed to know did their payment made or not. Customers will just have to register once and they are allowed to use it in everywhere. The banks may charge them a small amount of interest but it will be faster and immediately payment will be made. This will make their life much easier. 2. View Your Transactions Online banking does allow customers to view or check their history payment just in seconds. By now, they do not need to make phone calls to the bank and wait for the bank officer to check for our account. This also will be safer compare to make phone calls or send letters to check their payment. If any lost during the sending process by post, their password or ID will seen by strangers. 3. Transfer Money Between Accounts Online banking allows them to transfer money from one account to another account more quickly. Nowadays, many people are doing business and it may involve million millions of dollars. It will be safer if they can make transfer just from online banking. Online banking also can automated to the service centre that they are using example, phone bills, house loan, monthly purchasing newspaper and many others. 4. Download Banking Transactions If they are using ATM cards often this is a must to download their banking transactions to make sure the balances in their account are correct. This will make sure they are always on track with their account balances. They also do not have to worry about finding a place to keep all our receipts. 5. Protect Yourself Online Using online banking there are a few things that they have to take it serious. It is important that they have to protect their own informations. If they are downloading their account transaction from internet, they must remember to clear up the cookies. Passwords and user ID will seen by other people if they are not aware of this. It is very important to make sure they clear everything before they leave the website. Disadvantages Of Online Banking There are also disadvantages to online banking services. The biggest problem is that most people lack of trust, many people have doubts about the transaction, how can people believe a machine, many things can go wrong during the process. How many times have you performed transactions online and wondered whether you did the right thing? Of course, we can overcome the problem by printing the transaction receipt. This receipt will conform whether the transaction has gone through successfully. Online banking can be difficult to learn for a beginner and a site could take time to start up. Some sites ask for photo identification, which can be very inconvenient. Many people have poor eyesight. Most online banking sites provide tutorials for online banking. Some sites provide live online customer support to provide solutions for all the problems. The cases of online banking frauds are considerably low so we dont have to worry about the safety of our money. For some people, online banking is very convenient and useful, there is also people who afraid to handle the banking system. All these have been taken care of now, most banks have now started offering online banking services and a manual transaction could be done also. Maybank Online Banking Malayan Banking Berhad or Maybank is the biggest commercial bank in Malaysia. It holds many financial holders in Malaysia as well as internationally, including Indonesia and Singapore. It was founded by Tan Sri Khoo Teck Puat in 1960. Maybank has grown to the competitive advantage over the years and has more thank 300 branches in Malaysia alone. Few ages ago, the client of Maybank had to at all times go to the Maybank centre and wait for long queues to do their transaction. Nowadays, Maybank is reaching to the top and has become the first commercial bank in Malaysia to run its own on-line banking system. Maybank2u.com was created in early 2001. Not too long after that, many banking institution now has followed Maybanks step to on-line transaction. Maybank2u.com offers outstanding services to its clients, such as internet banking, on-line Islamic banking, as well as services for credit and charge cards holders, and many more. Of the entire services offer by Maybank2u busiest service is the on-line banking transaction. These consist of making payments and transferring funds by the internet. Maybank2u.com runs their own policy under the Maybank Berhad terms and regulations to make sure the security of their service is reliable to the clients. Although the security policy is not publicly stated, as it is confidential, the same security policy is being used in each and every Maybank branches in the world. This is to ensure the safety of the clients information and their satisfaction. It is clear that Maybank2u uses the Transaction Processing System (TPS) for their general information system. A Transaction Processing System (TPS) is a type of information system that helps to collect, modifies stores and retrieves collection of data transaction of an individual entity as well as an enterprise. E-business, e-commerce or other commercial businesses depend on the data reliability of their transaction processing system. This is to make sure that their client get what was asked for and payment are made on time. With Maybank2u, any kind of transaction can be made there and then. It is very time efficient especially for busy people. Transaction processing system involves the financial department. This is because most transaction occur within Maybank2u revolves around cash, credit, charges and account balances. Financial department are responsible on knowing what goes in and out of the bank and clients account. Transaction Processing System The transaction processing system offers features that could relieve enterprise transaction system to process data transactions faster in order to manage the whole enterprise data. There are particular characteristics to operate transaction processing system. A TPS is a very fast way to processing transaction virtually and is very reliable as it is designed with safeguards to manage disaster attack, so customers will not worry of data loss during a sudden disaster. It can easily be retrieved using the customers id and password at the particular service centre. Not only it is reliable, TPS is also standardized by the Transaction Processing Performance Council, meaning that the system will always process every transaction made by the user with the same way every time there is a transaction. This is to ensure the security of the system. Restricted access is implemented to TPS, so that it can only be used by the employees authorized by the system to avoid system errors. There are two types of transaction, which are batch time processing and real time processing. Batch time processing differs from real time processing because batch time processing only processes transactions once a month automatically and stores the resources later for future transaction. This is usually needed when processing credit card transaction. Meanwhile, real time processing is the kind that will update every transaction made immediately. This is important because when a withdrawal of money is being made, bank and customers account need to be updated immediately so that both parties can keep track of their funds. Therefore, both types of transaction are being applied by Maybank2u to serve the public in giving what they need. Another TPS characteristic is its durability which means that when the transaction is successful, no further changes can be made. However, in any case of failure of the system, a log will be created to store all the transaction that has been completed. Th ese common characteristic of a Transaction Processing System will make sure that the system is run systematically and standardized. Security System Nevertheless, security is a major priority to every big enterprises, especially successful commercial banking. There is a lot of security issues involved especially with dealing with on-line transaction such as purchasing items or paying for services on-line. One of the main security threats of internet banking is identity fraud. Identity fraud is not a new threat, as it has been mentioned most of the time. But, there are still people who refuse to follow rules made out to avoid this type of threat. Some retailers and stores are lacking the awareness of identity fraud. Most cases of identity fraud are having their pin code or password duplicated. Purchases by credit and charges card are made by other people but not by the genuine owner or the account. This kind of behaviour can happen anywhere at any time, especially when shopping on-line, purchasing airline and movie tickets. Maybank2u is ready for this kind of situation. For example, before processing a payment, it is shown above to the users on how to find the billing account number, so that the client will not accidentally input the wrong account number. To avoid identity thief or any other kind of identity mischief, Maybank2u requires a Transaction Authorisation Code (TAC) to undergo the payment process .Therefore, in each and every transaction made by the user, a TAC will be sent to the clients cell phone number, and once received it should be input within 2 hours into the TAC box before completing the process. The Transaction Authorisation Code will automatically expire every 2 hours to avoid any security breach to the account. When the transaction is processed is successful, it will be automatically saved into the Maybank2u.com transaction history for future user reference. Its payment receipt can also be printed for keeps. Maybank has introduced this system to be used in all Maybank centres worldwide. Maybank2u.com requires only easy set up in creating a maybank2u.com account. User can log in using their existing Maybank account. However, user needs to create an on-line password and user name to access their existing bank account. By logging into the system, meaning that the user of the account is aware of the terms and condition applied by Maybank2u.com, and is aware that the site is secure as shown on the top right of the website. Once logged in, user can access everything regarding of their account information, such as account balance, transaction history, Maybank debit transactions and banking statements. The most interesting thing about Maybank2u is that the client can access their account from home, office or anywhere with an internet connection, without worrying about the hustle of waiting especially on busy hours. Best part is, the site offers billing payment services to all main general services. Almost 300 major payees are now available including Syarikat Bekalan Air Selangor (SYABAS), Tenaga Nasional Berhad (TNB), Telekom Malaysia Berhad, MAXIS and ASTRO. It is wise to say Maybank has chosen a great transaction processing system in order to fulfill all its clients need just by one click a way. Instructions On How To Use Maybank2u Step 1. For Maybank customers, simply just create a Maybank2u username and password at the nearest ATM machine. For Non Maybank customers, the first step is to open up a Maybank bank account at the nearest Maybank service centre before creating the Maybank2u username and password. Step 2. Go to www.maybank2u.com Step 3 At the top right hand side of the website, theres an access to the login page. Click the login icon and it will direct the user to the login page. Log in as a first time user using the username and password created from Maybank ATM machine. Step 4. Once logged in, customers can access the entire account. The customer can now process their transactions by following the instructions. However, for customers that log in using public or shared computers, dare to be reminded to log out properly to avoid another mischief of identity fraud. Maybank2u also add a logout summary to guide users of Maybank2u on how to safely logout from the site Conclusion Looking at the research done we can come to a conclusion that online banking has make everyones lives easy and convenient and mostly saving a lot of their time when it comes to banking. There are a few false in online banking but there are more advantages of using online banking. In todays world technology has improved vastly and many banks have taken the upper hand on it and made banking not only banking paying bills, doing transactions, checking account balances and even online shopping easy for their customers convenience.