Mass Shootings And 62 Schools Shootings - 1752 Words

In 2015, there were 353 mass shootings and 62 schools shootings in the United States of America. On top of this, nearly sixty percent of homicides since 2015 were committed through the use of firearms and although there are no official figures, it is estimated that there are about 300 million guns, or approximately 88 for everyone 100 persons (Gunter). Although correlation cannot prove causation, the United States almost doubles most other developed countries assault deaths rates per one hundred thousand people (Ehrenfreund and Goldfarb). Although gun violence is a serious problem in the U.S., more firearms is not the answer, especially on campus. More weapons will only cause more problems for other students and law enforcement. Campus carry laws should not be passed, as there are other, better alternatives and more guns will only cause more problems and for people to feel unsafe. Although some students believe that more weapons is the answer to the problem, this is not as simple as fighting fire with fire. One problem that more weapons may cause is that if the unfortunate situation ever arises where there is a shooter on campus, mass confusion will ensue with the many students carrying guns. Although Hollywood may say otherwise, not all â€Å"bad guys† wear black masks and trench coats. Those students carrying weapons wouldn’t know who was good or bad and the rest of the students would potentially be surrounded by wannabe Special Forces operatives. From this confusion, onlyShow MoreRelatedThe Issue Of Gun Control909 Words   |  4 Pageshands. An attempted study has shown that one in every three Americans owns a gun (Fox, Maggie). With the rise of gun ownership comes the rises of many other events that correlates with it. For instance: deaths by guns, injuries by gun, mass shootings, accidental shooting, teens killed/injured, and children killed/injured. Many Americans purchase guns but they either do not secure them safely or have the proper kn owledge about the gun they possess leading to a higher chance of accidental incidents. GunRead MoreIncreasing Security During Modern Society1127 Words   |  5 Pages Increased Security In Modern Society How do you think the families of victims of mass shootings feel when they get the news that their child was killed. Think back to probably the worst school shooting shook the country when 26 people were killed at Sandy Hook Elementary School and 20 out of the 26 were children. Then more mass shootings have occurred and terrorist attacks. There clearly needs to be an increase of security in modern society. Security in modern society should be increased by theRead MoreGun Violence Essay1156 Words   |  5 Pagesmajor problem. I came from Afghanistan where events such as; people shooting each other, people shooting at a crowd and killing tens and hundreds of people happens quite usually. 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According to the data table from the Mass Shooting Tracker, there has been 397 shootings in 2017 so far. â€Å"1,516 mass shootings in 1,735 days† has resulted in â€Å"6,510 injuries and 1,719 deaths† (â€Å"The Guardian†). This data was compiled from January 1, 2013 to present. â€Å"RoughlyRead MoreGun Control And The United States1408 Words   |  6 PagesAmendment is not unlimited to the use of all guns. Criminals and people who are mentally ill have found their ways of receiving a gun because of how flawed gun restrictions are in the United States. Because of the loose ends of gun restrictions, public shootings will continue to occur despite the alternative preventions available. The purpose of gun control is to manage the distribution of licensed weapons to people who qualify and have the right to carry a weapon with them for self-defense or sport. GunRead MoreEssay about America Needs More Gun Control Laws1397 Words   |  6 Pages A shooting here; a shooting there; an every day occurrence heard in the newspapers and on the news channels on television. New media are reporting a shooting somewhere. Whether the shootings are accidental or intentional; they are happening across the United States. Nevertheless, in today’s society, gun violence is sparking debate and controversy on how to control gun violence. Throughout the country, thousands of laws and regulations have been created to aid in the control of guns. ThroughRead MoreStricter Gun Control Essay1044 Words   |  5 PagesStorrs in her article, Study: Stricter State Gun Laws Keep Firearms Out of Hands of Youth, firearms have been involved in over 80% of homicides by those under the age of 18 and a little under 50% of suicides. â€Å"Among 38 states studies, 5.7% of high school students from states with stricter gun control laws carried a gun in the p ast 30 days. In states with weaker gun control, 7.3 of students carried a gun in that time.† The youth in out county shouldn’t have access to a firearm that easy, it showsRead MoreThe Media And Its Effects On The United States1372 Words   |  6 Pagescountry? Washington, D.C. ¨ Many people in the United States of America own firearms and use them in a proper, safe manner. Yet, gun control advocates pursue in trying to ban and put limits on the purchase and ownership of guns because of rare mass shootings that the media portrays to the general public. The media never shows the public the good that firearms do, the way firearms saves lives and keeps people safe. Gun control advocates believe that minimizing the availability of purchasing guns

The Apartheid Of Nelson Mandela And Many Others - 1566 Words

As a result of the work of Nelson Mandela and many others, apartheid, an oppressive form of government that promoted systematic segregation and institutionalized racism in South Africa, was ended in 1994. The Afrikaans word apartheid means separateness, and during the period of the apartheid, people were classified and separated into different racial groups where the civil and human rights of non-whites were curtailed. Although apartheid started in 1948, the roots of inequality were presented years before as a result of Dutch and British control. Both countries colonized South Africa in order to control South Africa’s lucrative and generally untapped mining industry. South African workers, including the skilled and unskilled, were forsaken to work menial jobs and receive low wages. The establishment of many unfair laws allowed for the takeover to occur; they mark the beginning of apartheid and many more discriminatory regulations that were to come which include, but are not limited to pass laws, laws that required non-whites to have identification that showed their right to be in certain areas, and the exclusion of the non-white right to vote. The daily lives of all South Africans were severely altered with the initiation and administration of apartheid. Even the simple things like where a person could live, type of work, or places a person could travel were limited for non-whites. And although the white population was a minority in South Africa they were the ones who heldShow MoreRelatedThe Legacy Of Nelson Mandela1350 Words   |  6 Pagesway that respects and enhances the freedom of others† (Nelson Mandela. History). Nelson Mandela, a anti-apartheid activist, became one of the world’s most significant freedom fighter. 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Acceptance of Islamic Hire Purchase Facility Free Essays

Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 CHAPTER ONE: 1. 0 INTRODUCTION OF THE STUDY INTRODUCTION The Islamic concept of Al-Ijarah Thumma al-bay’ refers to lease or hire or rent ending with purchase. It is a type of lease which concludes with option to buy back which is concludes the legal title of the leased asset and will be passed to the lessee at the end of the period. We will write a custom essay sample on Acceptance of Islamic Hire Purchase Facility or any similar topic only for you Order Now It is one of the contemporary innovative products which are design to meet the public demand at the same time, securing long term competitiveness in the financial market. AITAB comprised two contracts which are al-ijarah (leasing or renting) and followed by al-bay’ (sale) contract. Al-Ijarah: a contract whereby the lessor (Islamic bank) will rent the assets to the lessee (customer) over a certain period and at the end monthly rental amount as agreed by both parties. (Khir et al. 2008) Al-Bay’: upon completion of the rental period or upon the early settlement the lessor will then enter into the sale contract with the lessee to sell the asset at a pre-agreed selling price. (Khir et al. , 2008) Al-ijarah and al-bay’ are both categorised under the contract of exchange. The former relate to the exchange of usufruct for money, while latter involves the exchange of good for money. In AITAB the contract of al-ijarah runs separately from the contract of al-bay’. Si nce both contracts are executed in a sequence. A new contract AITAB can be used to describe the process of converting an Ijarah into a sale contract. (Khir et al. , 2008) AITAB is one of the contemporary innovative approaches in the Islamic hire purchase instrument which is an alternative product to conventional hire purchase. The significant difference between the two is that Islamic hire purchase is a unique contract involving a combination of two different contracts, thus involving a number of legal and shariah issues. It 1 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 calls for special rules on leasing and sale at different stages of the transactions in the light of shariah. It refers to owning the benefit of certain assets for a specific period of time, by paying an agreed sum of rental, with an agreement that the owner will transfer the rented asset to the hirer at the end of the agreed period or during the period, provided all rental payments or instalments have been made in entirety. The transfer of ownership is affected by a new and independent contract, either by giving the asset as a gift, or selling it at an agreed price. (AlZuhayli, 2002) Conventional hire-purchase, the product is considered as a loan to which interest rate and hiring charges would be applicable and in case of late payment of instalment price, interest would accumulate. But in Islamic hire-purchase, the product is considered as a mode of financing, not a loan and the product would have a profit rate and a mark-up and for late payment of instalment price, only late payment charge pre-agreed would be applicable. Billah) Based on the statements above, the researcher conduct the study among staff in Jabatan Pelajaran Negeri Kelantan to identify the most significantly criteria’s such as perception, competency among car dealers and bank officer and awareness can influence them in order to accept Islamic hire purchase facility. The result for the acceptance of Islamic hire purchase facility will be collected by distributed the questionnaire to 200 staff in Jabatan Pelajaran Negeri Kelantan. After that, the analysis will be interpreted by using the SPSS 20. 0 program. 2 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 1. 1 BACKGROUND OF COMPANY JABATAN PELAJARAN NEGERI KELANTAN ESTABLISHMENT HISTORY Jabatan Pelajaran Negeri Kelantan history start when the director first (formerly called Penguasa Pelajaran) namely Encik Mohd Ghazali B. Mohd Ariffn designate at year 1992. He then awarded with the title Dato’ Bentara Luar and work until year 1930. The office first located in building known by the name of â€Å"Pejabat Panjang†, namely a building nearby Istana Kota Lama. Then in year 1930 an on the other hand Pejabat Pelajaran move on the other hand to other building known by the name of â€Å"Pejabat Pohon Celagi† namely Kelantan State Secretary building, nearby old office building. In year 1965 the office move on the other hand to new building namely Bangunan Persekutuan that is today. From year 1922 to 18 august 1998 there are 25 people Director. They are made up 13 people noble Malay, 10 people noble English and 2 people that noble Chinese. Director Encik Saw Chee Ling had given his service for 12 years. Since colonial era until today, Jabatan Pelajaran Negeri Kelantan has been expanding rapidly him in effort increase this quality education in accordance with Education Philosophy policy country. Today, Jabatan Pelajaran Negeri Kelantan has owned 10 sectors that include Sektor Khidmat Pengurusan dan Pembangunan, Sektor Pengurusan Sekolah, Sektor Pengurusan Akademik and Sektor Pendidikan Islam. Under this department also be established State Educational Technology Division. While at district level on the other hand was constituted ten parts of Pejabat Pendidikan Daerah namely Pejabat Pendidikan Daerah Kota Bharu, Pejabat Pendidikan Daerah Pasir Mas, Pejabat Pendidikan Daerah Tumpat, Pejabat Pendidikan Daerah Pasir Puteh, Pejabat Pendidikan Daerah Bachok, Pejabat Pendidikan Daerah Tanah Merah, Pejabat Pendidikan Daerah Machang, Pejabat Pendidikan Daerah Kuala Krai, Pejabat Pendidikan Daerah Gua Musang and Pejabat Pendidikan Daerah Jeli. Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 1. 2 PROBLEM STATEMENTS Dual banking system imposes by Bank Negera Malaysia affecting the demand for Islamic financial product. This situation has influenced some staff in Jabatan Pelajaran Negeri Kelantan to choose Islamic or conventional hire purchase loan for buying car. In this study, staff perception toward Islamic hire purchase facility implies whether they are really known about the AITAB operation itself. Researcher also identify common perception toward AITAB contract which is profit charge are too costly, penalty charge for late payment, accordance with syariah guideline and more Researcher also knows car dealers and bank officers also as importance key player toward acceptance of Islamic hire purchase facility. Thus, researcher also identify common problem about competency among car dealers and bank officer whether among them are lack of knowledge about Islamic financial product. Others problem that researcher identify is awareness among staff in Jabatan Pelajaran Negeri Kelantan itself whether they aware about Islamic Hire Purchase facility or not. The common problem on awareness among staff is what Islamic Hire Purchase have compared to conventional, the existence of Islamic financial product, the modus operandi of the AITAB contract itself and more. I. 3 OBJECTIVES OF THE STUDY There are several objectives that have been developed in this research as the following:I. II. III. To examine staff perception toward Islamic hire purchase facility. To identify competency among car dealers and bank officers. To evaluate effects of awareness among staff in Jabatan Pelajaran Negeri Kelantan. In this research, researcher identifies the most contributing factor of acceptance of Islamic Hire Purchase facility among staff in Jabatan Pelajaran Negeri Kelantan is awareness. This had be proven by Pearson correlation relationship at r = 0. 837 4 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 1. 4 SCOPE OF THE STUDY This study will focus on the acceptance towards Al-Ijarah Thumma Al-Bay’, Islamic hire purchase facility among staffs in Jabatan Pelajaran Negeri Kelantan. In this research, researcher had pick up about 200 staff from the population of 460 staff in Jabatan Pelajaran Negeri Kelantan as are respondents to complete the questionnaire. The respondent of this study are all staff in Jabatan Pelajaran Negeri Kelantan which are mostly involve in hire purchase facility that offered by Islamic and conventional bank. The researcher has chosen this area because of high population. 1. LIMITATIONS OF THE STUDY The first limitation is that the probability of absenteeism of the respondent due to leave or outstation since all respondents is the staff of Jabatan Pelajaran Negeri Kelantan. The second limitation is lack of knowledge. Researcher does not have experience and never been exposed in making a complete research in the university. Researchers will facing difficulties to understand the wor d using by the respondent. The third limitation is uncooperative respondent. In process of gathering the information, researcher will need to collect data through the questionnaire. However, it can be difficult to gain full cooperation and commitment from the respondent and they may think that it does not give any advantage to them. Respondent also will take a very long time to answer the questionnaire and it also will make the researcher take a long time to analysis the data. Corporate constraint also can be a limitation in this study because the respondent cannot give hundred percent performances in answer the questionnaire. 5 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 1. 6 SIGNIFICANT OF STUDY To the Manager Help the manager to identify the behaviour of his subordinates and how they react towards the acceptance of Al-Ijarah Thumma Al-Bay’ Islamic Hire Purchase Financing as their source of car financing. To the researcher It will provide better understanding and can give new knowledge to the researcher. The study will be conducted to give a clear picture on the staff’s awareness and acceptance on the AlIjarah Thumma Al-Bay’ Islamic Hire Purchase Financing. The result of the study will help the researcher to know the stuff’s perceptions towards factors that influence stuffs decisions in accepting Islamic Financing Product. To the public The data gathered in this study can help the individual to gain more knowledge about the important and benefits of accepting Al-Ijarah Thumma Al-Bay’ Islamic Hire Purchase Financing as part of their source of car financing. This study may increase the level of awareness and create acceptance among public about Al-Ijarah Thumma Al-Bay’ Islamic Hire Purchase financing as their source of car financing decisions. To others The information may be used by the financial institution to improve the services related with Islamic Car Financing product. This study may provide useful information for further research in this area of interest. The findings of this study could provide some form of empirical data for future research in this area. It could perhaps also help in the more effective implementation of Al-Ijarah Thumma Al-Bay’ Islamic Hire Purchase Financing. 6 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 To the bank There are a lot of benefits of this research to the bank. From this research, it will provide information to the bank on the real scenario. Therefore, the bank can use this information and results to improve its management, services, efficiency and etc. In fact, with this research it will help the bank to come out with new strategies and solutions to monitor its profitability and can improve its performance. Thus, the bank can also use the recommendations suggested by the researcher to improve its performance and position. 7 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 1. 7 DEFINITION OF TERM Al-Ijarah Thumma Al-Bay’ In the context of Islamic finance, the ijarah concept is usually applicable in financing contracts such as in real property financing, vehicle financing, project financing and personal financing. There are also financing products that enable customers to lease assets from Islamic financial institutions with an option to acquire the leased assets at the end of the lease tenure based on the concept of ijarah muntahia bi al-tamlik or al-ijarah thumma al-bai (Bank Negera M. , 2010) Perception Customers’ perceptions are often identified by their level of satisfaction towards particular products or services. (Nurdianawati I. A, 2006) Competency More competent, knowledgeable employees are more likely to design processes and deliver services that conform to customer needs. (Ahmad, 2010). Awareness Research on bank patronage in Malaysia find that almost 100 per cents of Muslims and 75% of non-Muslims were aware of the existence of Islamic banks. Most of them wished to have a relationship with these banks if they had a complete understanding of this system. (Sudin Haron N. A. , 1994) Acceptance AITAB is a name which capture a public acceptance because it provides better features compared to conventional hire-purchase. Muslim customers, who accept and understand its operation, request it as an alternative to conventional hire-purchase. (Nurdianawati I. A, 2006) 8 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 CHAPTER TWO: 2. 0 INTRODUCTION LITERATURE REVIEW Literature review is important as references and as a guideline to the researcher in conducting research and to search the information. It also used as the supporter to the study that will be conducted. This chapter will discuss about the literature review which relevant to the topic of the study. The purpose is to ensure that no important variable that has in the past been found repeatedly to have had an impact on the problem is ignored. . 1 Acceptance AITAB is a name which capture a public acceptance because it provides better features compared to conventional hire-purchase. Muslim customers, who accept and understand its operation, request it as an alternative to conventional hire-purchase. They will come to an institution which they know offering such Islamic product. For example, many corporate customers com e to Bank Pembangunan to purchase machinery through AITAB facility, because they know the benefits that the facility has to offer, for example, full margin of financing and lower penalty for late payment. Nurdianawati, 2006) Other finding shown AITAB also gains support from the non-Muslims. In some institutions, 60% of their customers are non-Muslims, comprising the Chinese in majority. They can see the advantage of signing up AITAB, which is 1% penalty for late payment, as compared to conventional hire-purchase which imposes 8% penalty. (Bank Negara, 1998) A survey in United Kingdom found the demand for Islamic financing will grow in future if Islamic banks pratice the correct marketing measures. In the research, five (5 %) percents of muslim in United Kingdom are loyal customers to the Islamic financial services. Majority of muslim are still comfortable with the conventional financial services, while only a quater of muslims tend to show preference for Islamic finance. (Humayon, 2004) 9 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 2. 2 Perception Nowadays, in the dual banking system that had been practice by Malaysia giving an effect to the consumer to choose either Islamic Hire Purchase or Conventional hire purchase. Mostly Muslim customers claim that there are no differences between Islamic Hire-Purchase and Conventional Hire Purchase. Islamic banking products are available at two full pledged Islamic banks and at all commercial and merchant banks in Malaysia. However, these products are still not fully accepted by customers. According to Norafifah Ahmad and Sudin Haron (2002), at the end of 2000, total deposit at conventional banks was RM381 billion while total deposit in Islamic Financial Institution was RM31 billion. In the case of loans, RM416 billion was extended by conventional system, and RM21 billion was given by Islamic system. This results indicates that perception of Conventional System were far good than Islamic financial system. Islamic Hire purchase (AITAB) provides better features compared to conventional hirepurchase. Muslim customers, who accept and understand its operation, request it as an alternative to conventional hire-purchase. They will come to an institution which they know offering such Islamic product. Moreover AITAB also gains support from the non-Muslims. In some institutions, 60% of their customers are non-Muslims, comprising the Chinese in majority. They can see the advantage of signing up AITAB, which is 1% penalty for late payment, as compared to conventional hire-purchase which imposes 8% penalty. Nurdianawati, 2006) Perceptions of Malaysian corporate customers of Islamic banking products and services indicated that Islamic banks were not the main choice because of the lack of knowledge. More than half of the respondents (65 %) said they had limited knowledge of the Islamic banking system. This study shows that Islamic banks have not conducted enough programmes to educate people or promo te their products to the public. (Norafifah Ahmad, 2002) 10 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 They showed that 63 % of Muslim respondents possess limited knowledge of IBF. They do not fully understand the operation of IBF even though Islamic banking has been established in Malaysia for more than twenty years. This factor has led to low usage of Islamic banking facilities among the Muslim respondents. (Sudin Haron N. A. , 1994). A similar situation occurred in Singapore, where only 22. 6 percent of Muslims deposit money in Islamic banks solely because of religion (Gerrard, 1997) Another important indicator determining customers’ positive or negative perception is their patronage criteria towards the service provider. In one of the earliest patronage studies on Islamic banking, Erol and El-Bdour (1989) discovered that the most important criteria considered by customers in patronising Islamic banks are provision of fast and efficient services, the bank’s reputation and image, and confidentiality. Others study found that religion is not the main factor encouraging Muslims to choose Islamic banks to hold their funds. Their findings also indicate that bank customers perceived no difference between the services offered by Islamic and conventional banks, the former being perceived as merely duplicating the latter. Erol C. K. -B. , 1990). In addition, many of muslim also doubt of shariah permissibility on the Islamic banking instrument. (Humayon, 2004) In Malaysia, customers’ positive perception towards Islamic banking is far more crucial mainly due to the fact that Islamic banks have to compete with the long established conventional banks in a dual-banking system. Since 1983, Malaysia to d ate has a dual banking system, whereby the Islamic banking system operates in parallel with the conventional system. The former is currently represented by 27 banking institutions, comprising nine Islamic banks and 18 conventional banking institutions (eight commercial banks, four merchant banks and six discount houses) offering Islamic banking products and services under the Islamic Banking Scheme (IBS), also known as Islamic windows. (Bank Negera, 2005) 11 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 2. 3 Competency Customers also may not to choose Islamic Hire Purchase facility for their car financing due to lack of competency among car dealers and bank officers. Most car dealer claimed there is no differences between Islamic and conventional thus give impact to costumer’s decision. The misleading view of AITAB among the customers is partly contributed by the lack of experience and knowledge among bank officers in giving correct and satisfactory explanation about AITAB. Some of these bank officers do not even understand the distinction between AITAB and conventional hire-purchase. Many proclaim that both products are similar especially with regards to its documents, procedures and governance. Hence, they are unable to highlight the advantages and benefits of AITAB as compared to conventional hirepurchase. (Nurdianawati, 2006) More competent, knowledgeable employees are more likely to design processes and deliver services that conform to customer needs. (Ahmad, 2010). In addition, development of appropriate employee skills and competencies is important determinant of better service quality and favorable consumer perceptions about service delivery (Chung, 2002) Furthermore, a dealer acts as a middleman between a financial institution and a customer. In Malaysian context, the customer usually approaches the dealer first for the purpose of purchasing a particular vehicle before applying hire-purchase facility from a financial institution. In fact, the customer’s choice between conventional and Islamic financing facility depends mostly on the dealer’s explanation and recommendation. Ideally, a dealer with a high Islamic conscience proposes AITAB to the customer and able to explain how the facility works, its advantages and differences from conventional facility. However, not all dealers are equipped with in-depth understanding of AITAB facility. Thus, it is expected that they would not be able to educate their customers accordingly. In reality these dealers even tend to propose conventional facility either because their understanding of AITAB is limited or they 12 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 do not want to expose their customers to an unnecessarily complicated situation. (Nurdianawati, 2006). In addition, many dealers that are lack in understanding of AITAB facility assume the facility offered by Islamic and conventional bank are totally same. They only concern with their commission for their sales. 2. 4 Awareness. Haron et al. (1994) who pioneered in the research on bank patronage in Malaysia find that almost 100 per cent of Muslims and 75% of non-Muslims were aware of the existence of Islamic banks. Most of them wished to have a relationship with these banks if they had a complete understanding of this system. In Singapore, a study by Gerrard and Cunningham (1997) revealed that the Singaporeans, Muslims or non-Muslims, are generally unaware of the principles of Islamic banking. Study in Humayon (2004) shown some of the muslims may not aware of the Islamic financial instrument in the financial market. Others study on Singapore by Haron, Ahmad and Planisek (1994) revealed that only 40 percent of Muslim customers consider religion as an important factor in patronizing banks. Similarly, there is general lack of awareness of Islamic banking system among Singaporean communities, be they Muslims or non-Muslims. These results suggest that Islamic banks do not need to rely on the religious factor as a strategy in attracting customers, but they should focus more on provision of quality and efficient services. One of the contributing factors to this absence of awareness among Muslims is the lack of understanding of Islamic banking. A study conducted in Singapore showed that only 20. 7 percent know the meaning of ‘Riba’ and 31 percent know the meaning of Shari’ah. The study also showed that only 3 percent can explain accurately the meaning of Ijarah, Mudarabah 13 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 and Musharakah. Surprisingly, no one could explain accurately the meaning of Murabaha (Gerrard, 1997) Rammal and Zurbruegg (2006) found that it is important for financial institution to understand the dynamism of customer segmentation, build customer relationship and address requirement and preferences of specific segments. By doing so, it will boost up customer identification and create awareness among consumers. This finding then supported by Harun et al. (1992) where there is no significant difference between Muslims and Non-Muslims in their selection criteria. Islamic banking product used different names for their product and it has cause several difficulties and misunderstanding by customers, some claimed that it is a religious product that only meant for Muslims, and some just find it too difficult to learn the names therefore they stay away (Nordin, 2001). According to them again, what is actually taught to the Malaysians since their pre-school period is aqidah and understanding of Islamic principles but little emphasis is given to the mu’amalat or the daily transaction activities according to Islam. In another study of Malaysian commercial customers and their views of Islamic financial services, Haron et al. (2002) noted that 65% of the respondents admitted to having limited knowledge of Islamic banking, while at the same time indicating that they believed the concept had good potential in the Malaysian market. Bley and Kuehn (2004) found a high level of ignorance among the 300 interviewed Muslim with regard to what constitutes acceptable Islamic finance principles. He reported that the higher the religious commitment and the lower the level of general education, the stronger the preference for Islamic over conventional finance. His study also revealed that overall; students’ knowledge of conventional and Islamic finance terms and concepts was surprisingly low among students in United Arab Emirates. 14 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 CHAPTER 3: RESEARCH METHODOLOGY 3. 0 INTRODUCTION In this chapter, it will focus on the research methodology that will use in this study. In essence, research methodology will provide researcher the needed information that guides researcher to make informed decisions to successfully deal with the problems. The information gathered could be the result of the analysis of data gathered firsthand or the data that are already available. Research methodology will presents the nature of study, data sources, pilot study and reliability test, data collection and data analysis technique. 3. 1 POPULATION AND SAMPLING DESIGN According to Sekaran, (2006), population is a complete group of entities sharing some common set of characteristics. For this research the population is among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu. This research is using sampling frame; meaning is concerned with the selection of a subset of individual from within a population to estimate characteristics of the whole population. (Malhotra, 2004) in his writing define sample frame as a lists of elements from which a sample may be drawn for identifying the target population. A sampling frame is a representation of the elements of the target population. In this research, the sampling frame is the staff at Jabatan Pelajaran Negeri Kelantan. The populations taken are 200 from 460 staff. 3. 2 SAMPLE SIZE Sample is a subset, or some part, of a large population. In research, sampling is important because the researcher intend to come up with accurate and reliable findings in order to be able use for further research. The sample size for this study is the actual number of subjects chosen as a sample to represent the population characteristics, which is according to Sekaran, (2006). Refer to Roscoe (1975), sample size larger than 30 and less than 500 are appropriate for most research. So, the researcher decided that the sample of 200 15 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 012 respondents is appropriate to represent the population of staff in Jabatan Pelajaran Negeri Kelantan. 3. 3 SAMPLING METHOD Sampling is the process of selecting items from the population so that the sample characteristics can be generalized to the population. Sampling involves both design choice and sample size decisions (Sekaran, 2006). The idea of sampling is to select a few samples from a bigger group known as population, so that it becomes a basis for estimating or predicting a fact, situation or outcome regarding the actual number of group under study. The method used for this study is convenience sampling. It is the method of drawing samples that does not impose any restrictions. This is also the least reliable sampling that is cheap and convenience. 3. 3. 1 Convenience Sampling Technique Convenience sampling refers to the collection of information from members of the population who are conveniently available to provide it (Sekaran, 2006). Meanwhile, Cooper and Schindler (2006), defined convenience sampling is non-probability sampling where researchers use any readily available individuals as participants. It is the most often used during the exploratory phase of the research project and it is perhaps the best way of getting some basic information quickly and efficiently. 3. 4 METHOD OF DATA COLLECTION In this research, the data gathered parallel to the objectives of the study. The methods of data collection that the researcher used to collect the data were primary data and secondary data. 16 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 3. 4. 1 PRIMARY DATA It is the data collected for a specific purpose from original sources. Primary data been obtained by distribution of the respondents selected. The entire questionnaires are collected personally. In this research, the primary data was collected from the personally administered questionnaire. Personally Administered Questionnaire The questionnaire has been designed according to the needs of the topic study. It is to ensure that the respondents would be fully understood and answer all the questions since there is personal administered question. In designing the questionnaire’s questions, the content, structure and appearance would give an impact to the respondents’ attitude. Thus, all these things should be properly organized. In the questionnaire designs, the researcher divided it into 3 sections which include as follows: Section A – Section A comprises questions pertaining to their personal particulars. The first part of the questionnaire was divided into 2 areas of information. One was on the personal information and the one on others Islamic financial product. Section B – Section B focused on obtaining information on dependent variable. It is the customer selection criteria for bank. This section is designed by using a Likert Scale. The student had to circle the appropriate response with the statement from a scale of (1-5) ranging from the caption ‘strongly disagree’ to ‘strongly agree’. Through the 5 point scale, the researcher could decide to what the acceptance of Islamic Hire Purchase facility among staff In Jabatan Pelajaran Negeri Kelantan. Section C Criteria I – Criteria I focused on obtaining information on effect of perception in acceptance of Islamic Hire Purchase facility. This section also used a Likert Scale. This scale will be 5 point 17 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 012 scale wills response of the participant toward on perception towards acceptance of Islamic Hire Purchase facility among staff in Jabatan Pelajaran Negeri Kelantan. Criteria II – Criteria II focused on obtaining information on effect of competency in acceptance of Islamic Hire Purchase facility. This sect ion also used a Likert Scale. This scale will be 5 point scale wills response of the participant toward on competency among bank officer and car dealers towards acceptance of Islamic Hire Purchase facility among staff in Jabatan Pelajaran Negeri Kelantan. Criteria III – Criteria III focused on obtaining information on effect of awareness in acceptance of Islamic Hire Purchase facility. This section also used a Likert Scale. This scale will be 5 point scale wills response of the participant toward awareness in towards acceptance of Islamic Hire Purchase facility among staff in Jabatan Pelajaran Negeri Kelantan 3. 4. 2 SECONDARY DATA Secondary data were obtained through searching the journal which published reported of previous researchers that different in authors, perceptions and theories. The data and information are also gathered from the website. 8 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 3. 5 THEORETICAL FRAMEWORK The research model shows that the dependent variable is the acceptance of Islamic Hire Purchase facility. This dependent variable is expected to have a significant relationship with personal characteristics, perception, competency and awareness as independent variables. INDEPENDENT VARIABLES DEPENDENT VARIABLE Perception Acceptance of Islamic Hire Purchase facility Competency Awareness Figure 3. 5. 1: The Theoretical Framework of the study. RESEARCH VARIABLES Two main types of variables that are used in this research include dependent variable and independent variable. DEPENDENT VARIABLE The dependent variable that used in this study is Acceptance of Islamic Hire Purchase INDEPENDENT VARIABLE The independent variables that are used in this research are perception, competency and awareness. 19 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 3. 6 HYPOTHESIS Hypothesis 1 (Perception) Ho: There is no significant relationship between acceptance of Islamic hire purchase acility among staff in Jabatan Pelajaran Negeri Kelantan and perception. H1: There is significant relationship between acceptance of Islamic hire purchase facility among staff in Jabatan Pelajaran Negeri Kelantan and perception. Hypothesis 2 (Competency) Ho: There is no significant relationship between acceptance of Islamic hire purchase facility among staff in Jabatan Pelajaran Neger i Kelantan and competency. H1: There is significant relationship between acceptance of Islamic hire purchase facility among staff in Jabatan Pelajaran Negeri Kelantan and competency. Hypothesis 3 (Awareness) Ho: There is no significant relationship between acceptance of Islamic hire purchase facility among staff in Jabatan Pelajaran Negeri Kelantan and awareness. H1: There is significant relationship between acceptance of Islamic hire purchase facility among staff in Jabatan Pelajaran Negeri Kelantan and awareness. 3. 7 DATA ANALYSIS AND ADMINISTRATION Data analysis is a procedure to analyze data or information that obtains during the research. In order to achieve the research objective, the data that been obtained from the respondent must answered or fulfill the expectations. In this research, the researcher wants to measure which is the most significant criteria in acceptance of Islamic hire purchase facility among staff in Jabatan Pelajaran Negeri Kelantan. 20 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 The procedure of the analysis that used is by using the SPSS 20. 0 software application. All the data from the questionnaire that answered by the respondents had been analyze using this software. The process of entailing earrangement, breaching down, reduction and separation of data into as many as needed to determine their nature, relative important, functions and interrelationships. In completing this study, it will includes some basis data analysis including reliability analysis, frequency analysis, correlation analysis and multiple regression by using SPSS 20. 0 program. 3. 7. 1 RELIABILITY ANALYSIS According to Sekaran (2006), the reliability of a measure is established by testing for both consistency and stability. Consistency indicates how well the items measuring a concept hang together as a set. The reliability will ensure to test the data. Reliability is an attest to the consistency and stability of the measure instrument. The reliability of a measure indicates the extent to which it is without bias (error free) and hence ensures consistent measure across time and across the various items in the instrument. The most commonly reliability test that has used is Cronbach’s Alpha. The Cronbach’s Alpha can be interpreted as a correlation coefficient and it range in value from 0 to 1. 3. 7. FREQUENCY ANALYSIS According to Cooper and Schindler (2006), frequency distribution is ordered array of all values for a variable. In order to analyze the whole information of research question based on respondent’s profile information of the respondents such as gender, marital status, level of income and age. Frequency distribution is also simply reports the number of the responses that ea ch questions received. It is the simplest way of determining the empirical distributions of the variables. The frequency distribution is a display of the frequency occurrence of each score value. The frequency distribution can be display is many form such as tabular and graphical form. In this study, the frequency distribution had been measure the questionnaire in section A that it is about respondent’s profile such as gender, age, race, 21 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 religion, level of education, marital status, salary, sector and had been used any Islamic financial product. 3. 7. 3 PEARSON’S CORRELATION ANALYSIS The other name of Pearson’s coefficient of correlation is Pearson Correlation Matrix. The coefficient of correlation is used to determine the magnitude, direction and significant level of relationship between dependent and independent variables. As a descriptive technique, it is very powerful since this method indicates whether variables share is something in common with each other. 3. 7. 4 MULTIPLE REGRESSIONS The multiple regressions describe the strength of the linear relationship between two variables when one is considered the independent variable and the other is the dependent variable (Cooper and Schindler, 2006). Regression is a powerful tool for summarizing the nature of the relationship between variables and for making predictions of likely values of the dependent variables. Regression analysis aids in understanding how much of the variance in the dependent variable may be explained by a set of predictors. For regression coefficient, estimates, model fit and R squared change are chosen in this study. 22 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 CHAPTER FOUR: ANALYSIS AND FINDINGS 4. 0 INTRODUCTION In this chapter, the researcher will identify the questionnaires response rate from the respondents. After collecting the data, now the researcher able to analyze and interpret it using the SPSS 20 software. Techniques using in interpreting data is by using reliability analysis, frequency analysis, correlation analysis and multiple regression in SPSS programs. These steps are important to see the relationship between the variables and to know the variables are significant or not. 4. 1 FREQUENCIES ANALYSIS A frequency analysis shows the frequency of occurrence of each score value of the research data. The objective is to obtain a count of number of responses associated with different values of the variable. This analysis is appropriate and suitable to analyze the question in Section A which is respondents profile such as gender, race, religion, level of education, maritial status, age, salary, sector, used others Islamic finance product. TABLE 4. 1. 1 Frequency of Section A- Demographics’ profile Statistics GENDER AGE RACE RELIGION LEVEL EDUCATION MARITIAL STATUS SALARY SECTOR OTHERS ISLAMIC FINANCIAL PRODUCT Valid N Missing Mean Median Mode Std. Deviation Variance Skewness Std. Error of Skewness Minimum Maximum 0 1. 58 2. 00 2 . 496 . 246 -. 306 . 172 1 2 0 2. 44 2. 00 2 . 889 . 790 . 068 . 172 1 4 0 1. 05 1. 00 1 . 240 . 058 5. 207 . 172 1 3 0 1. 05 1. 00 1 . 208 . 043 4. 423 . 172 1 2 0 2. 71 3. 00 4 1. 215 1. 475 . 006 . 172 1 5 0 1. 83 2. 00 2 . 419 . 175 -1. 081 . 172 1 3 0 3. 09 3. 00 3 1. 206 1. 455 . 616 . 172 1 6 0 3. 59 3. 00 1 2. 617 6. 847 . 872 . 172 1 10 0 3. 05 3. 00 5 1. 583 2. 506 -. 021 . 172 1 5 200 200 200 200 200 200 200 200 200 23 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 Profile (n=200) Gender Male Female Age 21 – 30 years 31 – 40 years 41 – 50 years 51 years and above Race Malay Chinese Indian Religion Islam Buddha Level Education SPM STPM Diploma Bachelor Degree Maritial Status Single Married Others Salary RM 1000 and Below RM1001 – RM2000 RM2001 – RM3000 RM3001 – RM4000 RM4001 – RM5000 RM5001 and Above Sector Sektor Khidmat Pengurusan Pembangunan Sektor Pengurusan Sekolah Sektor Pengurusan Akedemik Sektor Pengurusan Pembangunan Sektor Pendidikan Islam Sektor Penilaian Peperiksaan Sektor Jaminan Kualiti Sektor Psikologi Kaunseling Sektor ICT Other Islamic Financial Product Islamic Vehicle Financing Islamic House Financing Islamic Personal Financing Islamic Credit Card Takaful Frequency Percent Valid percent 42. 5 57. 5 15. 0 38. 5 34. 5 12. 0 95. 5 4. 0 0. 5 95. 5 4. 5 21. 0 25. 5 19. 5 30. 0 4. 0 19. 0 79. 5 1. 5 4. 5 32. 0 33. 0 15. 5 11. 0 4. 0 30. 0 14. 5 16. 0 5. 0 10. 0 13. 0 2. 5 6. 5 2. 5 25. 5 17. 0 14. 0 14. 5 29. 0 Cumulative percent 42. 5 100. 0 15. 0 53. 5 88. 0 100. 0 95. 5 99. 5 100. 0 95. 5 100. 0 21. 0 46. 5 66. 0 96. 0 100. 0 19. 0 98. 5 100. 0 4. 5 36. 69. 5 85. 0 96. 0 100. 0 30. 0 44. 5 60. 5 65. 5 75. 5 88. 5 91. 0 97. 5 100. 0 25. 5 42. 5 56. 5 71. 0 100. 0 85 115 30 77 69 24 191 8 1 191 9 42 51 39 60 8 38 159 3 9 64 66 31 22 8 60 29 32 10 20 26 5 13 5 51 34 28 29 58 42. 5 57. 5 15. 0 38. 5 34. 5 12. 0 95. 5 4. 0 0. 5 95. 5 4. 5 21. 0 25. 5 19. 5 30. 0 4. 0 19. 0 79. 5 1. 5 4. 5 32. 0 33. 0 15. 5 11. 0 4. 0 30. 0 14. 5 16. 0 5. 0 10. 0 13. 0 2. 5 6. 5 2. 5 25. 5 17. 0 14. 0 14. 5 29. 0 24 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 Table 4. 2. 1 provides an exploration of the sample for the investigation. The total number of respondents was 200 and the demographic profile of the respondents is shown in table. Among the demographic profile of respondents discussed are gender, age, race, religion, level education, maritial status, salary, sector and used others islamic financial product. Respondents were 42. 5% from male group and 57. 5% of female group. From the race‘s profile, 95. 5% of the respondents are malay, 4. 0% of the respondents are chinese and 0. 5% respondents are indian. Besides that, percentages of the religion profile, 95. 5% of the respondent are Islam and followed by 4. 5% respondent are buddha. Meanwhile, in terms of level education, 21. % of the respondents are SPM, 25. 5% of STPM, 19. 5% of Diploma, 30. 0% of Bachelor and 4. 0% of Master. The majority of respondents are married which indicated 79. 5%, 19. 0% are single and followed by others 1. 5%. Reviewing on the age‘s profile, 15. 0% of respondents were in the ages between 21 – 30 years old, 38 . 5% were between 31 – 40 years old, 34. 5% were the age of 41 – 50 years old and 12. 0% the age of 51 years old above. From the salary’s profile, 4. 5% of respondents were below RM 1000, 32. 0% were between RM1001 – RM2000, 33. 0% were between RM2001 – RM 3000, 15. 5% were between RM 3001 – RM 4000, 11. 0% were between RM 4001 – RM 5000 and 4. % were RM 5001 and above. Reviewing on the sector‘s profile, 30. 0% of respondents were in the Sektor Khidmat Pengurusan Pembangunan, 14. 5% were in Sektor Pengurusan Sekolah, 16. 0% were in Sektor Pengurusan Akedemik, 5. 0% were in Sektor Pengurusan Pembangunan Kemanusiaan, 10. 0% were in Sektor Pendidikan Islam, 13. 0% were in Sektor Penilaian dan 25 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 Peperiksaan, 5. 0% were in Sektor Jaminan Kualiti, 6. 5% were in Sektor Psikologi Kaunseling and 2. 5% were in Se ktor ICT. Meanwhile, in terms of used others islamic financial product, 25. % of respondent were in islamic vehicle financing, 17. 0% were in islamic house financing, 14. 0% were in islamic personal financing, 14. 5% were in islamic credit card and 29. 0% were in takaful. 26 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 4. 2 ANALYSIS OF RELIABILITY The important of the reliability of a measure is to determine the stability and consistency the questions that are distributed to the respondents. This reliability is to test the goodness of the data. Cronbach’s alpha is most common used to measure the reliability. The closer Cronbach’s alpha is to 1, is the better. In almost every case, Cronbach’s alpha is an adequate test of internal consistency reliability. In this study, the results of reliability test are shown in the table that had separate according to each of the variables. Reliability of measure is established by testing for both consistency and stability. RELIABILITY Less than 0. 6 Range 0. 7 Over 0. 8 RANGES Poor Acceptable Good Source: Sekaran (2006) Alpha Coefficient Ranges ; 0. 6 0. 6 to ; 0. 7 0. 7 to ; 0. 8 0. 8 to ; 0. 9 0. 9 Strength of Association Poor Moderate Good Very Good Excellent Table 4. 2. 1: Ranges of Reliability 27 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 012 Reliability Analysis done when questions from all variables were well structured and can be understands by respondents. It happened and because the Cronbach’s Alpha for all variables higher than 0. 6. It means respondents answered the questions without bias, with consist ent and stable. The closer Alpha value is to 1, the higher the internal consistency reliability. The results of all variables Reliability Analysis were shown in table below: TABLE 4. 2. 2: Reliability Output for section B – Acceptance of Islamic Hire Purchase facility Reliability Statistics Cronbach’s Cronbach’s N of Alpha Alpha Based Items on Standardized Items . 952 . 952 7 Item-Total Statistics Scale Mean if Scale Corrected Item Deleted Variance if Item-Total Item Deleted Correlation AC : AITAB is the best choice for vehicle financing AC : Recommed AITAB contract to others AC : Will Use again AITAB contract AC : AITAB is suitable with financial planning AC : As muslim, no choice expect AITAB contract AC : Willing to switch to AITAB AC : Understanding make accepting for AITAB 23. 89 23. 92 23. 94 23. 89 23. 98 23. 92 23. 85 25. 526 25. 566 25. 619 25. 606 25. 517 26. 279 25. 860 . 871 . 864 . 852 . 844 . 853 . 742 . 829 Squared Multiple Correlation . 803 . 795 . 812 . 806 . 744 . 591 . 730 Cronbach’s Alpha if Item Deleted . 942 . 942 . 943 . 944 . 943 . 952 . 945 Based on the reliability statistics table, the Cronbach’s alpha for the 6 items show the reliability of 0. 952 which mean that this dependent variable is reliable. The result is excellent because according to Sekaran (2010), 0. 9 is excellent. 28 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 TABLE 4. 2. 3: Reliability Output for section C – Perception Reliability Statistics Cronbach’s Cronbach’s N of Alpha Alpha Based Items on Standardized Items . 892 . 893 6 Scale Mean if Item Deleted PR : Known about AITAB PR : AITAB different from convensional hire purchase PR : Accordance with syariah guideline PR : Good alternative to acquire assets PR : 1% penalty charge for late payment is suitable PR : Use AITAB as first choice 19. 56 19. 34 19. 24 19. 33 19. 42 19. 10 Item-Total Statistics Scale Corrected Variance if Item-Total Item Deleted Correlation 14. 570 14. 778 14. 77 16. 421 14. 788 15. 413 . 724 . 783 . 768 . 637 . 681 . 694 Squared Multiple Correlation . 615 . 716 . 689 . 426 . 550 . 574 Cronbach’s Alpha if Item Deleted . 872 . 862 . 865 . 885 . 880 . 876 Based on the reliability statistics table, the Cronbach’s alpha for the 6 items of perception show the reliability of 0. 892 which mean that this independent variable is reliable. The result is a very good because according to Sekaran (2010), 0. 8 to 0. 9 is very good. 29 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 TABLE 4. 2. 4: Reliability Output for section C – Competency Reliability Statistics Cronbach’s Cronbach’s N of Alpha Alpha Based Items on Standardized Items . 859 . 861 5 Item-Total Statistics Scale Mean if Scale Corrected Item Deleted Variance if Item-Total Item Deleted Correlation CM : Car dealers inform no different between AITAB and conventional hire purchase CM : Car dealers lack of information and knowladge about AITAB CM : Car dealers only thinking their sales bonus CM : Bank officer respect your dicision to use AITAB contract CM : Bank officer give good respond on request use AITAB Squared Multiple Correlation Cronbach’s Alpha if Item Deleted 15. 13 9. 983 .728 .628 .815 15. 14 10. 218 .671 .579 .831 14. 87 9. 846 .721 .548 .818 14. 93 11. 497 .645 .725 .838 14. 93 11. 597 .631 .727 .841 Based on the reliability statistics table, the Cronbach’s alpha for the 5 of competency show the reliability of 0. 859 which mean that this dependent variable is reliable. The result is a very good because according to Sekaran (2010), 0. 8 to 0. 9 is very good. 30 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 TABLE 4. 2. 5: Reliability Output for section C – Awareness Reliability Statistics Cronbach’s Cronbach’s N of Alpha Alpha Based Items on Standardized Items . 897 . 900 6 Scale Mean if Item Deleted AW : Know existance of islamic banking AW : Know AITAB is one of islamic finance product AW : AITAB is replace for onventional hire purchase AW : Know about 1% charge if late payment AW : Know about AITAB had been use by non muslim AW : Know about last payment in AITAB is for payment buying asset 18. 80 19. 07 Item-Total Statistics Scale Corrected Variance if Item-Total Item Delet ed Correlation 17. 347 16. 538 . 660 . 753 Squared Multiple Correlation . 535 . 695 Cronbach’s Alpha if Item Deleted . 888 . 875 19. 20 19. 19 19. 19 17. 005 15. 592 15. 361 .756 . 734 . 745 .656 . 592 . 629 .876 . 878 . 876 19. 38 16. 085 .714 .585 .881 Based on the reliability statistics table, the Cronbach’s alpha for the 6 items of awareness show the reliability of 0. 897 which mean that this independent variable is reliable. The result is a very good because according to Sekaran (2010), 0. 8 to 0. 9 is very good. 31 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 4. 3 CORRELATION COEFFICIENTS Correlation analysis is used for explained whether there is an existence of association and the strength of the relationship between the independent variables (perception, competency, and awareness) towards the dependent variable (acceptance of islamic hire purchase facility). Sekaran (2006) suggested that it would be appropriated to use Pearson Correlation Matrix where it is the first issues to determine is whether the correlation coefficient is statistically significant or not significant. The rules of thumb have been proposed to characterize the strength of the association between variables, based on the absolute size of the correlation coefficient. Correlation between Are said to be 0. 8 and 1. 0 Very Strong 0. 6 and 0. 8 Strong 0. 4 and 0. 6 Moderate 0. 2 and 0. 4 Weak 0 and 0. 2 Very Weak Table 4. 3. 1: Rule of Thumb of Correlation Coefficient Size 32 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 Correlations Mean Of Perception 1 Mean Of Acceptance . 789** . 000 200 1 200 Pearson Correlation Mean Of Perception Sig. (1-tailed) N 200 Pearson Correlation . 789** Mean Of Sig. (1-tailed) . 00 Acceptance N 200 **. Correlation is significant at the 0. 01 level (1-tailed). Table 4. 3. 2 : Pearson Correlation Coefficient between Mean Perception and Mean Acceptance Correlation analysis is conducted to test the relationship between selection decision and service quality. The result of Pearson Corre lation tests showed that there is a strong significant relationship (0. 789) between these two variables. The one-tailed significance test is p ; 0. 000 showing that the outcome of the test is not by chance, and therefore can be confidently accepted or trusted, therefore reject the null hypothesis. r(200) = 0. 789, p ; 0. 0001, one-tailed 33 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 Correlations Mean Of Competency Mean Of Competency Pearson Correlation Sig. (1-tailed) N Pearson Correlation Sig. (1-tailed) N 1 200 . 724** . 000 200 Mean Of Acceptance . 724** . 000 200 1 200 Mean Of Acceptance **. Correlation is significant at the 0. 01 level (1-tailed). Table 4. 3. 3 : Pearson Correlation Coefficient between Mean Competency and Mean Acceptance Correlation analysis is conducted to test the relationship between competency and acceptance. The result of Pearson Correlation tests showed that there is a strong significant relationship (0. 24) between these two variables. The one-tailed significance test is p=0. 000 showing that the outcome of the test is not by chance, and therefore can be confidently accepted or trusted, therefore reject the null hypothesis. r(200) = 0. 724, p;0. 0001, one-tailed 34 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 Correlations Mean Of Awareness Pearson 1 Correlation Mean Of Sig. (1-tailed) Awareness N 200 Pearson . 837** Correlation Mean Of Sig. (1-tailed) . 000 Acceptance N 200 **. Correlation is significant at the 0. 01 level (1-tailed). Mean Of Acceptance . 837** . 000 200 1 200 Table 4. 3. : Pearson Correlation Coefficient between Mean Awareness and Mean Acceptance Correlation analysis is conducted to test the relationship between awareness and acceptance. The result of Pearson Correlation tests showed that there is a very strong significant relationship (0. 837) between these two variables. The one-tailed significance test is p=0. 000 showing that the outcome of the test is not by chance, and therefore can be confidently accepted or trusted, therefore reject the null hypothesis. r(200) = 0. 837 , p;0. 0001, one-tailed 35 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajara n Negeri Kelantan, Kota Bharu 2012 4. 4 REGRESSION ANALYSIS Regression is another technique for measuring the linear association between dependent and independent variables. It become as a subsequent after the correlation coefficient measure. Although regression and correlation are closely related, regression assumes the dependent variable is predicatively linked to the independent variable. The result of the Regression analysis were shown as below. Table 4. 4. 1 : Regressions – Model Summary Model Summaryb R Square Adjusted R Square . 753 . 750 Model 1 R . 868a Std. Error of the Estimate . 421 a. Predictors: (Constant), Mean Of Awareness, Mean Of Competency, Mean Of Perception b. Dependent Variable: Mean Of Acceptance 4. 4. 2: ANOVA ANOVAa Model Regression Residual Total Sum of Squares 106. 215 34. 781 140. 996 df 3 196 199 Mean Square 35. 405 . 177 F 199. 518 Sig. .000b 1 a. Dependent Variable: Mean Of Acceptance b. Predictors: (Constant), Mean Of Awareness, Mean Of Competency, Mean Of Perception 36 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 Table 4. 4. 3 : Coefficient Coefficientsa Unstandardized Standardized Coefficients Coefficients B Std. Beta Error . 161 . 162 . 229 . 218 . 496 Model t Sig. Collinearity Statistics Tolerance VIF (Constant) Mean Of . 251 . 072 Perception 1 Mean Of . 229 . 055 Competency Mean Of . 522 . 069 Awareness a. Dependent Variable: Mean Of Acceptance .997 3. 502 4. 195 7. 535 .320 . 001 . 000 . 000 . 294 . 466 . 291 3. 406 2. 144 3. 437 Regression analysis were employed to test the influence of three important variable of interest namely perception, competency and awareness. The r-square statistics in the model of summary is 0. 753 or 75. 3%. This implies that 75. 3% of the variation or changes in the dependent variable i. e. acceptance of Islamic hire purchase facility can be attributed to the three independent variables; however the remaining 24. 7% is not known and need further investigation. The significance level produced by the ANOVA table showed that the p value is less than 0. 05 implying that the model is valid and the result of the relationship is not by chance. Therefore we reject the null hypothesis. Finally, researcher found that the three independent variables, perception, competency and awareness have provided enough evidence to influence the acceptance of Islamic hire purchase facility. 37 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 4. 5 HYPOTHESIS TESTING Insignificant = Accept Null Hypothesis (Ho) / Reject Alternate Hypothesis (H1) Significant = Accept Alternate Hypothesis (H1) / Reject Null Hypothesis (Ho) P ; 0. 05 P ; 0. 05 After made several analyses to all variables for this study, all hypotheses should be discussed to determine its relevancy and whether it is supported or not. For this study, Pearson Correlation Analysis was used to assess the relationship between independent and dependent variable. Hypothesis 1 (Perception) Ho: There is no significant relationship between acceptance of Islamic hire purchase facility among staff in Jabatan Pelajaran Negeri Kelantan and perception. H1: There is significant relationship between acceptance of Islamic hire purchase facility among staff in Jabatan Pelajaran Negeri Kelantan and perception. The result from Pearson correlation shows perception significantly has positive correlated to acceptance at the relationship (r =0. 789). Thus, significant relationship exists and the H1 accepted and reject the H0. Hypothesis 2 (Competency) Ho: There is no significant relationship between acceptance of Islamic hire purchase acility among staff in Jabatan Pelajaran Negeri Kelantan and competency. H1: There is significant relationship between acceptance of Islamic hire purchase facility among staff in Jabatan Pelajaran Negeri Kelantan and competency. The result from Pearson correlation shows competency significantly has positive correlated to acceptan ce of Islamic hire purchase facility at the relationship (r =0. 724). Thus, significant relationship exists and the H1 accepted and reject the H0. 38 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 Hypothesis 3 (Awareness) Ho: There is no significant relationship between acceptance of Islamic hire purchase acility among staff in Jabatan Pelajaran Negeri Kelantan and awareness. H1: There is significant relationship between acceptance of Islamic hire purchase facility among staff in Jabatan Pelajaran Negeri Kelantan and awareness. The result from Pearson correlation shows awareness significantly has positive correlated to acceptance of Islamic hire purchase facility at the relationship (r =0. 837). Thus, significant relationship exists and the H1 accepted and reject the H0. 39 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 CHAPTER F IVE: CONCLUSION AND RECOMMENDATION 5. 0 INTRODUCTION This chapter discusses the major findings of this study and to identify whether the finding met with the result conducted. Besides that, the researcher also gives some suggestions and ideas from the result. 5. 1 CONCLUSION In this research, hypothesis was initially tested by using the correlation coefficient to determine its significant level. From the analysis, the results indicated that all the three independent variables in the hypotheses were found to be significant at the 0. 01 level of significant at the (1 tailed). In order to substantiate the hypotheses, the multiple regression analysis was further analyzed. The R-square (R2) value of the model indicates 75. 3% of the variations explained the all independent variable whereas the remaining 24. % cannot be explained and needed further exploration in terms of other concepts which were not included in the study. As a conclusion, all the independent variables have relationship based on the correlation analysis. Awareness was the m ost factors determinant acceptance of Islamic hire purchase facility among staff in Jabatan Pelajaran Negeri Kelantan followed by perception and competency. 40 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 5. 2 RECOMMENDATIONS Based on the findings result, the researcher has provided some of the recommendations for this study in order to overcome the problem faced. First of all, this research was successfully done to know the relationships between those independents and dependent variable. Perception Provide Islamic Hire Purchase facility (AITAB) information. Information about Islamic Hire Purchase facility should be easy to find by everybody because majority workers can effort to buy a car. Thus, information should be easily access by consumer in order to get a clear view about Islamic hire purchase facility. For example, Bank Negera Malaysia through website, information about Islamic Hire Purchase facility can be downloaded by anyone. Competency Training the staff Customer is How to cite Acceptance of Islamic Hire Purchase Facility, Papers

Concept of Alpha Male

Question: Discuss about theConcept of Alpha Male. Answer: Introduction An alpha male in the society is defined as the man, who plays the dominating role within the community. The alpha male has the ability to dominate the people around him. There are various cases of the alpha male domination within the society. The alpha males also have the ability to find their way and take advantage of the weaker section of the society[1]. One of the main characteristics of alpha male is the ability of persistence and determination and also the ability to defend them. Discussion The concept of alpha male comes from the animal kingdom, where the one of the male member of the society dominates over other females[2]. There are several examples of alpha male within the society of human. The trait of social dominance has been one major part of the alpha male. Within the society of the apes the physically stronger males usually dominates over all the weaker female members of the community. Hence, the modern human also have the similar tendency like their ancestors to dominate over the female. There have been many cases of alpha male domination due in the movies. In all of the stories of Disney Pixar like the Toy Story series, Bugs life, WALL.E, Cars and many more, the male characters are shown in the leading role. The protagonist male in those movies have been depicted to dominate over the other characters. The characters in the film have depicted about the homo social behavior, which is responsible for their dominance over the female characters. The emasculation of the alpha males also has been depicted in the films, where the male characters in the film felt depressed due to the closing of dominance in the society. The character if Buzz in the Toy Story film has a dominating attitude as he feels he has the duty to save the galaxy from the evil force. On the other hand in the film Cars (2006), one of the main characters Doc was shown to leading a life of depression as he was forced to move out of the limelight due to his inability. Hence, he suffered from emasculation, which has been defined very well in the film. The Car film also depicted the concept of new man model, where the alpha male strives due as they face identity crisis. The new man concept is based upon the fact that in the advanced society of modern days the male members believe that women and men should have equal dominating power in the society[3]. The concept of paternalistic has also been defined within the combination. Here the dominating character of the society gives the opportunity to the sub-ordinate members to enjoy the freedom in the society. In the Disney Pixar movies, the alpha male like Woody of Toy Story has been seen as the alpha male, who had taken the responsibility of saving his friends with brilliant master plan[4]. Conclusion Hence, from the origin of human history the stronger males have the tendency to dominate over the weaker sections. However, with the advancement of the modern society, with the development of the concept of new man, the alpha male has the takes the role of leadership and takes the responsibility of taking care of the weaker people. Reference Beaulieu, Michal, et al. "The oxidative cost of unstable social dominance."Journal of Experimental Biology217.15 (2014): 2629-2632. Jack, Katharine M., Valrie AM Schoof, and Linda M. Fedigan."Seasonality of alpha male replacements in wild white-faced capuchins (Cebuscapucinus). La estacionalidad de los reemplazos de macho alfa en los monoscarablancasilvestres (Cebuscapucinus)."Annual Meeting of the American Society of Primatologists. 36th, San Juan, PR, US, Jun 19-22, 2013..Vol. 75. No. Supl 1. 2013. Ludeman, Kate, and Eddie Erlandson.Alpha male syndrome.Harvard Business Press, 2013. lity and disability. McFarland, 2013.

Affirmative Action Essays (2154 words) - Social Inequality

Affirmative Action AFFIRMATIVE ACTION INTRODUCTION This paper was written to show how Affirmative Action took place. It deals with the idea that diversity management does not decrease ethnic and gender tensions while increasing profits, productivity and creativity, but it has served a general purpose to aware people of different cultures, and establish a justification to make everybody equal in opportunity not based in race, sex, nor culture. It also includes a history of the Affirmative Action. The different paths it has taken along the development it has undergone as time has gone by, from its beginning as a Civil Rights Act to the Affirmative Action it is today. Statement of Purpose The three members of the group are members of minorities and the purpose is to acquaint other minorities with what could be encountered in finding a job. Scope This paper contains arguments that stand for and against Affirmative Action programs with cases to substantiate the claims. It also contains a history of the Affirmative Action and its original purpose. Sources and Methods The material needed for this paper was gathered from several on-line resources and a book. Such sources were gathered by searching the Internet and the School's Library. Report Organization The paper starts by giving the reader the original purpose of the affirmative Action and its history. Then, it states several pros and several cons supporting each with a case. At the end of the paper a summary of the same is given together with the conclusions formed by the writers of the paper. WHAT IS AFFIRMATIVE ACTION? Affirmative Action is the name given to programs that try to correct past and ongoing discriminations against women, racial minorities, and others in the work force and in education. The principal goal of Affirmative Action is to create more diversity and equal opportunities in jobs or schools that used to be all or mostly male, white, or both. Affirmative Action programs have been in place only a little over thirty years throughout Title VII of the Civil Rights Act of 1964. There are three aspects of Affirmative Action. One, Affirmative Action in employment. It can consist of posting and publicizing job notices in locations that are likely to be seen by a wide rang e of people so that not only white people, but also minorities can see that there are job opportunities that they can apply to (Casul, 1). Two, Affirmative Action in contracting. This consists of highly regulated government agencies that help minorities to get jobs without haven to go through discrimination because of their background (Casul, 1). Three, Affirmative Action in education. This consists of various programs that schools have to be able to provide minorities with the equal opportunity of an education (Casul, 1). THE HISTORY OF AFFIRMATIVE ACTION Affirmative Action was started in 1965 with the Executive order of President Lyndon B. Johnson. He stated that something else had to be done to move beyond the non-discrimination laws that were already enacted. At the same time something had to be done to enable women and minorities to move up in their jobs. After President Johnson, President Nixon implemented that same Executive order. With this done President Ford, a few years later the Rehabilitation Act of 1973 and the Vietnam Era Veterans Readjustment Act of 1974. This acts assured that federal contractors had Affirmative Action regulations in hiring or firing employees. Again, some years later President Carter created a centralized office to handle all Affirmative Action cases named the Office of Federal Contract Compliance Programs (OFCCP). Now, during his presidency, President Clinton has articulated four standards for all Affirmative Action programs: no quotas in theory or practice, no illegal discrimination of any kind, no preferences for people not qualified, and as soon as the program has succeeded it must be retired. THE CASE FOR AFFIRMATIVE ACTION Since the day that thanks to the Civil Rights Act of 1964 African-American civilians were able to attend school with everybody else; since the day that there was no difference between a ?white water fountain? and a ?black water fountain?, the achievements reached with the help of an Affirmative Action are evident. Affirmative Action has caused a debate and some tension to rise in the American society (Lewis, 1). The paragraphs that follow will be intended to show to the

Review of the movie Chicago essays

Review of the movie Chicago essays The 2002 movie Chicago was adapted from Bob Fosse's 1975 Broadway musical, Chicago. It featured A-list actors and actresses varying from Renee Zellweger who played the main character Roxie Hart to Richard Gere who played lawyer Billy Flynn. Some other main characters featured in the movie were Catherine Zeta-Jones who played Velma Kelly and Queen Latifah who played Mama Morton. Chicago was set in the roaring 20's, when tap dancing was a form of entertainment, especially for the rich. The movie begins with Roxie Hart (Zellweger) shooting her unfaithful lover. When she goes to jail she meets Velma Kelly (Zeta-Jones) and is in awe of her. Velma was and still is famous on Broadway, something that has always been Roxie's dream. Velma is in jail for murdering her sister, who also happened to be her partner on Broadway. Velma loves the media attention she is getting, and her infamous lawyer, Billy Flynn (Gere), is determined to get her out. He has never lost a case, and supposedly he can win any case for only 5000 dollars. When Roxie saw how much attention Velma was getting from having Billy as her lawyer, she sends her husband him. Once Billy takes over her case she finds herself in the spotlight, something that she has always dreamed of. At the end of the movie Billy sets up the prosecuting lawyer to get both Roxie and Velma off the hook. The final sce ne of the movie is the first performance that is not a daydream. It concludes with Roxie and Velma having a duet and Broadway, something that both of these murderers dreamed of. Throughout the movie Roxie dreams of being on Broadway. At some points the audience is fooled into thinking that her dreams are actually happening in the movie. One of the best scenes featured in the movie is when lawyer, Billy Flynn, performs a tap dance routine. One of the most obvious steps that he uses is the cramp roll. He made it look very easy, but now that Ive learned it I know that it is n...

Writing Reflection Letter to future english professor Essay

Writing Reflection Letter to future english professor - Essay Example In the first essay (Tab 4 in black folder), Radiant Green Nuts: Adopting Healthier Eating Habits, the structure of essay was not written properly. The introduction did not have a thesis that made a claim about the ADS’ effectiveness for the specific audience and did not address how this AD targeted the specific audience for the magazine it appeared in. Not only the structure of essay was a mess but it had so many spelling errors and it showed my lack of attention when writing the essay. In the revised paper, I moved the first paragraph to 2nd paragraph and created a new introduction (Tab 2). Unlike the first draft, the new introduction explains the effectiveness to a specific audience and how the well-designed ad with detailed visual information impacted the specific target then connected to the original introduction. Instead of speeding through my essay writing, I paid more close attention on my revised paper by correcting the spelling, improving the structure, and connecting the thesis to topic sentences. Rather than rushing to finish my paper, I now take my time to read through it and look for necessary changes to make in order to improve it before finalization. In the second compare/contrast essay in Tab 4, I spent more time on making changes and putting my thoughts into the paper but again struggled with specifying topic sentences. Although the concept of my view of friendship as a quilt work in, The Quilt Work of Friendship: The Likes and Contrary, was original and attention-catching, my topic sentences again were broad. In the first draft, the topic sentences in second and third paragraphs were broad and I used the knowledge gained from my English 101 class to focus and enhance the topic sentences to be specific and to ensure that they were flowing well. Keeping the topic sentences specific and connected to thesis were the hardest tasks for me. In the final paper (Tab 3), I made my topic sentence more specific from, â€Å"As well as our

HUMAN GROWTH AND THE LIFE COURSE Essay Example | Topics and Well Written Essays - 3750 words

HUMAN GROWTH AND THE LIFE COURSE - Essay Example Sociologically, they have to cope with their changing roles. The aged are not only mothers and fathers they have to take on new roles as grandmothers and grandfathers. Most of them have exited their jobs because of retirement and are now unemployed. Because of the new roles that they have to assume they feel differently about themselves and so their attitudes towards life and towards others change (Tavris, 1991). This in fact indicates just how important income generating employment is to most individuals. Santrock (1999) emphasizes that biological, psychological and sociological processes are all interwoven as sociological processes shape psychological processes and psychological processes promote or restrict sociological processes, just as biological processes are impacting on psychological processes. Tavris (1991) has indicated in her papers that sometimes the sex drive does not slow down but there is no one around to relate to in a sexual manner. Based on my experience the males in the old aged homes see the females as fulfilling the role of sexual partners and so these institutions are not just where old people go to die but where life and intimacy is sometimes revived. Although this type of event is not part of what these institutions are about they happen sometimes without the knowledge of the caregivers. Developmental theories of the life cycle such as Erickson’s stages theory have often been used to explain aging. Erickson’s theory identifies three (3) stages of adulthood: the early adulthood – twenties and thirties, middle adulthood – forties and fifties, and late adulthood – sixties and over. However, there are those who have suggested that in recent times age has become a less effective predictor of human behaviour. Erickson sees early adulthood as a period of either intimacy or isolation. Intimacy he describes as the ability to develop relationships that are close and loving. If intimacy does not develop then the individual will feel isolated. Whatever, happens at one stage starting from childhood affects the next stage and so this Intimacy versus Isolation in what is Erickson’s sixth stage has been impacted by the adolescent years which might have been a vey tumultuous one for some adolescents as we will see in the next section. In his seventh stage Erickson sees it as a period of generativity versus stagnation. Generativity refers to shaping the next generation by assisting them to lead useful lives. Middle aged adults who have not been able to make some level of contribution would be seen to have been impacted negatively through stagnation. In the eighth and final stage which he describes as â€Å"integrity versus despair,† it is a time in which the older adults look back at what they have done with their lives. If the periods or stages that preceded this stage were positive then the individual would feel satisfied with some sense of integrity and if it was negative then the individual would have been dissatisfied and thus felt a sense of despair. According to Greenburg (1999, p327) A person who is not successful with this crisis is likely to be overcome with despair because the time left is so short, death approaches too quickly and there is no time left to try another route to gain some integrity. The person may then become bitter, depressed and paranoid as they use disgust to hide this despair. However, this is not the only time that individuals look back. Some

The harmful value of value meals Essay Example | Topics and Well Written Essays - 1250 words

The harmful value of value meals - Essay Example For instance, Yum! Brands Inc., has established 38,000 restaurants globally; and McDonalds has set-up a total of 33,000 chains from all over the continent. Hence, it is no surprise why fast food is already served at restaurants, drive-through, schools and universities, bus stations, airports, and even at hospitals. People’s fast food preference may be due to the fact that it is served quicker; thus, allowing them to maximize their time and become more efficient in their daily tasks. Likewise, others opt to buy fast food for their meal because it is delicious and very affordable. However, little did they know that as they consume more and more fast food each day, they are putting themselves in high danger of acquiring various fatal diseases. Obesity Obesity (i.e. a body mass index of greater than or equal to 30) is one of the detrimental effects of too much fast food consumption. According to Brindal et al., fast food contains highly dense and high level of fats and calories pe r serving high (113). Thus, over-consumption of fast food makes people more susceptible to gaining weight, which usually exceeds the normal status. According to the World Health Organization (â€Å"Obesity and Overweight†), since the year 1980, the total number of global-wide obesity has doubled; and just recently, the total number of people who are obese has reached more than 500 million. Obesity makes people’s life more difficult and hassle because people with a very heavy weight cannot move freely, which makes less mobile. As an effect, they may develop other complications like being bow-legged (especially for obese children), sleep disturbances like sleep apnea, asthma, arthritis, and poor surgical and childbirth outcomes (for mothers) Clarke (â€Å"Health Risks†). The worst is, WHO (â€Å"Obesity and Overweight†) made it clear that obesity is more deadly than being underweight. Aside from the physical danger brought by obesity to people, it may also put them in a state of emotional crisis. Obesity may lead to depression because of the hormonal imbalance that happens inside the body as more fats are consumed (Bessesen, Hill and Wyatt). Aside from that, being obese, unfortunately, increases their chances of being the subject of negative judgment, severe bullying, and social discrimination. Considering the societal norm of beauty and ideal body structure, being obese does not qualify to the established standards. Thus, obese individuals need to handle those emotional and social challenges in which only few may endure. Some may resort to suicide because for them, it is better to end their lives than to continuously experience the trauma of being rejected. Apparently, this is how far fast food eating can throw people. By merely wanting to experience the comfort fast food offers, they need to carry the physical and emotional burden it brings. However, this is just one of the reasons why it is practical to abolish the practice of eati ng fast food. Type 2 Diabetes Type 2 diabetes is another health problem that may arise as a result of fast food eating. Fast foods such as soft drinks or soda, French fries, shakes, sandwiches, burger, pizza pies, etc. are rich in carbohydrates (Clarke â€Å"Why is Fast Food†). Too much carbohydrate intake increases the level of the blood component triglyceride, which results to either, failure of the pancreas to produce enough amount of insulin or body system’s improper insulin use (Clarke â€Å"Why is Fast Food†). This scenario exposes individuals to the risk of developing type 2 diabetes, for sugar in their body will build up in the bloodstream instead of being utilized for energy. For instance, in the

Benefits Of Staying With Parents After Marriage Young People Essay

Benefits Of Staying With Parents After Marriage Young People Essay Every time you get off work and walk into that the community where your home is, you must overhear a lot of juicy news while you walk past those full-time housewives, sitting together and gossiping what happened recently in their neighbors home. It is true that the contents are mostly about the tough relationship between mother-in-law and daughter-in-law. Even though you may not be interested about this, you cannot deny those things have happened to you, or, unfortunately, you are coping with it now. Well, to be honest, that is also the main reason why so many couples choose to live away from their parents-in-law. But, is that the right way to solve all the problems? And is that a good choice? For me, actually, to solve all these complicated problems are just staying with parents after married. Living with parents can make the relationship more stable, benefit childrens education and slow down the process of aging of parents. Firstly, living with parents leads to a happy marriage. I think it is not a solution but an excuse that living away from parents is for a harmony relationship with parents-in-law. Mostly, this kind of decision is made by young couples. There are some brides who insist on not living with her husbands parents. They dont want to change their own, as well as protecting their own living space from parents. Too many of them have already tired of the fierce competition from their career. All they want to do is just go back home to have a good rest instead of racking their brains to do something to please parents. Therefore getting away from parents-in-law can make it easier. That is what they say distance helps. We can see so many words, such as we, own, want. They just turn out to be nothing but selfish. Is that so bad as the couples describe ¼Ã… ¸ How can young people say that they are too tired to make effort to make an improvement? Family is the most important thing to everyone. People who care about us most are parents. Most of us can bear with the defects of others. However, when it comes to parents, they behave differently. It is like putting the cart before the horse. It is said that the divorce rate in China has increased by almost 20% over past year, with 1.4m couples filing for separation during 2007 (see the news published on Friday, 25 January 2008). It is also said that since Chinas one-child policy was established, in 1973. The number of people getting divorce has quadrupled. That policy has produced a generation of adults focused on their own needs and unable to sustain a relationship. To build a harmonious family relationship, living with parents-in-law can make sense, because the older generation can deal with problems much better. The new couples will learn from them, learn to compromise and cooperate to make a marriage work well. Obviously, the relationship will be more stable. Secondly, it can benefit childrens education to live with parents. So busy the young couples are, it is almost impossible for them to set aside more time for their own children. As a result, these children are sent to their grandparents. However, grandparents always spoil children more than childrens parents do, which cause the children to be selfish and moody. Moreover, for the lack of time with parents, it can be even worse after children grow up. Parents will not be able to communicate with their children well when there has been a barrier between them. If children can live with both parents and grandparents, doting grandparents will have the awareness of being strict to children, and children will enjoy more time with their parents. Being around by eldership and their children, couples will think twice before doing anything, which, at the same time, avoids being unfaithful to their partner. Growing up in a family with such a harmonious atmosphere, these children will be more like ly to get a happy marriage contributed by easygoing, optimistic, and responsible personalities. The last but not least, living with parents can also slow down their aging process. The rapid decrease in the birth rate, combined with improving life expectancy, has led to an increasing proportion of elderly people and an increase in the ratio between elderly parents and adult children. In China, the percentage of the population over the age of 65 years was 5 percent in 1982 and now stands at 7.5percent but is expected to rise to more than 15 percent by 2025(The Effect of Chinas One-Child Family Policy after 25 Years Therese Hesketh, Ph.D., Li Lu, M.D., and Zhu Wei Xing, M.P.H.). The mental health of senior is increasingly important. Company from families is the best doctor for them avoiding the feeling of loneliness. Living together can not only decrease the speed of being slow reaction but also let the young couples have a good knowledge of their parents condition. As a result, parents will gain a longer lifespan which is also a gift to couples. In return, taking good care of the old parents is a good example to their children. They will learn that from young couples on their own. Parents are always the best teacher to children. Even so, many newly married wives still get along well with their parents-in-law. That is reasonable. They dont have same living habit. Everyone in family will adjust themselves to the new situation. It must need time. Everybody knows that family is a cell of the whole society. We are obliged to make it work well. Marriage is not only about couples themselves. Trust me, rainbow comes after storm. A better understanding can be got after living with parents. To sum up, it can only have good results by living with parents, for it can lead to a happy marriage, benefit childrens education and slow down the process of aging of parents. Outline I. Topic: Talking about whether the couples should live with their parents or parents-in-law after married. II Thesis Statement: Living with parents can make the relationship more stable, benefit childrens education and slow down the process of aging of parents. III Antithesis: It is better for them to live separated with their parents 1. Couples do not have their own living space. 2. They have to make efforts to please parents after get off work. 3. Get away from parents can avoid misunderstanding. IV Reasons: 1. living with parents leads to a happy marriage. i. Now young couples are more selfish than before so that they dont know how to get along well with each other ii.The divorce rate are increasing rapidly because of the one-child policy. 2. it can benefit childrens education to live with parents. i. The young couples sent children to parents. The old always spoil their grandchildren. ii.Children can have more time with parents if family members live together. iii.Growing in a happy family, children will be more positive and responsible than others. 3. living with parents can also slow down their aging process. i. Living with children and grandchildren can make them feel they are younger. ii.Children can know the condition of old parents very well. iii.It is a good way to teach children how to be good children. Strategies: Use Tactful, Courteous Language; Point Out Common Ground; Acknowledge Differing Viewpoints. Introduction: For me, actually, to solve all these complicated problems are just staying with parents after married. Living with parents can make the relationship more stable, benefit childrens education and slow down the process of aging of parents. Conclusion: To sum up, it can only have good results by living with parents, for it can lead to a happy marriage, benefit childrens education and slow down the process of aging of parents Body: Firstly, living with parents leads to a happy marriage. I think it is not a solution but an excuse that living away from parents is for a harmony relationship with parents-in-law. Mostly, this kind of decision is made by young couples. There are some brides who insist on not living with her husbands parents. They dont want to change their own, as well as protecting their own living space from parents. Too many of them have already tired of the fierce competition from their career. All they want to do is just go back home to have a good rest instead of racking their brains to do something to please parents. Therefore getting away from parents-in-law can make it easier. That is what they say distance helps. We can see so many words, such as we, own, want. They just turn out to be nothing but selfish. Is that so bad as the couples describe ¼Ã… ¸ How can young people say that they are too tired to make effort to make an improvement? Family is the most important thing to everyone. People who care about us most are parents. Most of us can bear with the defects of others. However, when it comes to parents, they behave differently. It is like putting the cart before the horse. It is said that the divorce rate in China has increased by almost 20% over past year, with 1.4m couples filing for separation during 2007 (see the news published on Friday, 25 January 2008). It is also said that since Chinas one-child policy was established, in 1973. The number of people getting divorce has quadrupled. That policy has produced a generation of adults focused on their own needs and unable to sustain a relationship. To build a harmonious family relationship, living with parents-in-law can make sense, because the older generation can deal with problems much better. The new couples will learn from them, learn to compromise and cooperate to make a marriage work well. Obviously, the relationship will be more stable. Secondly, it can benefit childrens education to live with parents. So busy the young couples are, it is almost impossible for them to set aside more time for their own children. As a result, these children are sent to their grandparents. However, grandparents always spoil children more than childrens parents do, which cause the children to be selfish and moody. Moreover, for the lack of time with parents, it can be even worse after children grow up. Parents will not be able to communicate with their children well when there has been a barrier between them. If children can live with both parents and grandparents, doting grandparents will have the awareness of being strict to children, and children will enjoy more time with their parents. Being around by eldership and their children, couples will think twice before doing anything, which, at the same time, avoids being unfaithful to their partner. Growing up in a family with such a harmonious atmosphere, these children will be more like ly to get a happy marriage contributed by easygoing, optimistic, and responsible personalities. The last but not least, living with parents can also slow down their aging process. The rapid decrease in the birth rate, combined with improving life expectancy, has led to an increasing proportion of elderly people and an increase in the ratio between elderly parents and adult children. In China, the percentage of the population over the age of 65 years was 5 percent in 1982 and now stands at 7.5percent but is expected to rise to more than 15 percent by 2025(The Effect of Chinas One-Child Family Policy after 25 Years Therese Hesketh, Ph.D., Li Lu, M.D., and Zhu Wei Xing, M.P.H.). The mental health of senior is increasingly important. Company from families is the best doctor for them avoiding the feeling of loneliness. Living together can not only decrease the speed of being slow reaction but also let the young couples have a good knowledge of their parents condition. As a result, parents will gain a longer lifespan which is also a gift to couples. In return, taking good care of the old parents is a good example to their children. They will learn that from young couples on their own. Parents are always the best teacher to children. Even so, many newly married wives still get along well with their parents-in-law. That is reasonable. They dont have same living habit. Everyone in family will adjust themselves to the new situation. It must need time. Family is a cell of the whole society. We are obliged to make it work well. Marriage is not only about couples themselves. Trust me, rainbow comes after storm. A better understanding can be got after living with parents. Prewriting Every time people get off work and walk into that residence community, we must overhear much juicy news when you pass by those full-time housewife sitting together talking about the things happened recently in their families. It seems that they know everything there. However, most of them are the tough relationship between mother-in-law and daughter-in-law. Even you may not be interested in that, but you can not deny those things have happened to you, or, unfortunately, you are in that now. Well, to be honest, that is also the reason why so many couples choose to live separated with their parents-in-law. I always think that is not a solution but an excuse to live alone for a good relationship with parents-in-law. Living separated with parents-in-law is a choice made by young couples. There are some new wives who insist not live with her husband parents. They dont want to make a change to their own, as well as protecting their own living space from parents. To many of them, they are t ired of the fierce competition of their career. All they want to do is just go back home to have a good rest. They dont want to rack their brains to do something to please parents. So getting away from parents-in-law can make it easier. Distance helps. We can see so many words, such as we, own, want à ¢Ã¢â€š ¬Ã‚ ¦They just turn out to be nothing but selfish. Is that so bad as the couples describe? How can young people say that thing they are too tired to make effort to make a improvement? Family is the most important thing to everyoneà ¢Ã¢â€š ¬Ã‚ ¦The people who care us most are families. Most of us can bear with defects of others, but when it comes to parents, it is another thing. It is putting the cart before the horse. Divorce rate in China has increased much. The number of people getting a divorce has quadrupled. That policy has produced a generation of adults focused on their own needs and unable to sustain a relationship. To build a harmonious family relationship, living with parents-in-law can make sense, because the preceding generation can deal with problems much better than them. The new couples will learn from that, even do as their parents do. Obviously, the relationship will be more stable. It is difficult for them t o set aside more time for their children. As a result, these children are sent to their grandparents. However, grandparents always spoil children more than childrens parents do. And the lack of time with parents will make problems after they grow up. If children can live with both parents and grandparents, the parents can reduce that spoiling, and children will get more happiness with their parents. Growing up in a family with such a harmonious atmosphere, children will have a great advantage to have a happy marriage depending on their optimistic and responsible personality. Marriage does not only involve two people. It influences almost everything. Living with parents after married can be a good solution to many problems we face today.