The Grapes Of Wrath By John Steinbeck (1902 - 1968) Essays

The Grapes of Wrath by John Steinbeck (1902 - 1968) The Grapes of Wrath by John Steinbeck (1902 - 1968) Type of Work: Social / political criticism Setting Oklahoma and California; 1930s Principal Characters Tod Joad, a recent parolee in his mid-twenties Ma and Pa Joad, a strong, middle-aged Oklahoma couple Noah Joad, their strange eldest son Al, their wild sixteen-year-old Rose of Sharon, eldest Joad daughter, married and pregnant Gramma and Grampa Joad, an earthy old couple Jim Casy, a preacher and, later, a labor agitator Other Joad children Story Overveiw As Tom Joad hitchhiked his way home after a four-year stay in prison for killing a man in a fight, he met up with Jim Casy, a former preacher who was returning from a sojourn in the "wilderness," where he had been soul-searching. Tom invited Jim to walk with him on the dusty road to the Joad family farm, and to stay for dinner. Arriving there, he saw that "the small unpainted house was mashed at one corner, and it had been pushed off its foundations so that it slumped at an angle." The farm was deserted. Muley Graves, a near-by tenant farmer, told Tom that his family had moved to their Uncle john's house: " . . . They was going to stick it out when the bank come to tractorin' off the place." A long drought was making barren ground out of what had once been fertile farmland. Early the following morning Tom and Casy walked the eight miles to Uncle John's farm. As they approached, Tom saw his Pa working on a truck in the yard. Pa's "eyes looked at Tom's face, and then gradually his brain became aware of what he saw." With Tom's homecoming, the Joad family unit was complete. Now Ma and Pa, the pregnant oldest daughter Rose of Sharon, and her husband Connie, Grampa, Gramma, and all the rest started packing: they were all "goin' to California" to start over as fruit pickers. Like thousands of other displaced tenant farmers, the Joads, spurred on by the promise of good wages and sunshine, sold what they could, bought a used car and headed out on Highway 66, "a people in flight, refugees from dust and shrinking land, from the thunder of tractors and shrinking ownership." After the supplies and tools were loaded into the old Hudson, which teen-aged Al load had converted into a truck, the Joad family and Casy (twelve people in all) squeezed into what little space was left and started west. During the first overnight stop, Gramma suddenly was hit by a stroke and died. They buried him on the roadside. Soon the loads met up with the Wilsons, a married couple with a broken-down car. After Al had fixed the vehicle, Ma and Pa joad invited the Wilsons to travel with them. "You won't be no burden. Each'Il help each, an' we'll all git to California," Ma said. The two groups "crawled westward as a unit", suffering along the way from too little money, not enough food, dilapidated vehicles, profiteering junk dealers and overpriced replacement parts. Eastward-bound migrants warned the travelers that working conditions in California were bad; but they still pressed on toward the "promised land." Crossing the border into California, the family camped next to a river that ran parallel to the town of Needles. They'd wait until nightfall to cross the desert. As Tom, Noah and Pa sat down in the shallow river water to wash off the road grime, they were joined by an itinerant father and his son who aprised them of the treatment they could expect in California: "Okie use'ta mean you was from Oklahoma. Now it means you're a dirty sonof-a-bitch. Okie means you're scum." Later that day, Tom's aloof and backward brother Noah notified him that he was staying to live by the river, and then wandered away. That evening, after saying good-bye to the Wilsons, the Joads began the last leg of their journey. Early during the desert crossing, Gramma quietly died, but Ma waited until they reached Bakersfield before she told anyone. After another roadside burial, the family drove on into a "Hooverville" - one of many designated migrant camps opened during the Depression. Like other Hoovervilles, it was a haotic community; "little gray tents, shacks, and c cars were scattered about at random." But the Joads elected to stay. On their first evening in the camp, two men in a shiny sedan drove up, a labor contractor and a local sheriff. The contractor had come out to offer jobs to the migrants, but when he declined to reveal the actual

tHE RISE AND FALL OF HITLER essays

tHE RISE AND FALL OF HITLER essays Adolf Hitler. The simple mention of his name conjures up memories of total war, death, and destruction on an unprecedented scale, and always the deaths of millions of Jews and other undesirables in the Holocaust. How did this happen? How was it possible that a failed artist could rebuild Germany in just six years, challenge the world to mortal combat, and nearly win? He simply possessed what few other politicians of his day had, he was a man driven by an unquenchable thirst for revenge and triumph. Equally important trait of Hitlers was his ability to gauge his opponent, gamble all, and come out on top. He was a huge risk taker and up until late August 1941, he was almost never wrong. The story begins with Hitler as the leader of the National Socialists in post-war Germany. The National Socialists or Nazis, under which moniker they would become famous, were a small, Bavarian fringe party who attempted to overthrow the Weimar Republic in a Munich beer hall in 1923. After its dismal failure, Hitler was sentenced to prison where he wrote Mien Kampf, a quasi-autobiography and his justification of his future actions. This book provides a valuable insight into his mind that few had at the outbreak of World War II. In it he states, Only adequately large space on this earth assures a nation freedom of existence. This may or may not have been a legitimate statement but it was crucial. For through his drive to achieve this, he precipitate World War II. With his assumption of power in January 1933, Hitler immediately set about remaking Germany in his image. Discarding all previous arms-limitation treaties, he moved to build the German military into one of the most powerful in the world. Hitler assumed, quite correctly, that up to a certain point, the main European powers, Great Britain and France, would let him facilitate many bold and provocative political actions. They, especially Grea...

Juvenile Crime Statistics Paper Essay Example | Topics and Well Written Essays - 500 words

Juvenile Crime Statistics Paper - Essay Example This figure was significantly less than the one recorded in previous years. There was an increase in juvenile crimes in 2005, 2006, and 2007, which made the law enforcers fear that the nation would witness a severe crime wave. The crime data collected in 2008 indicated that violent crimes had declined and young adults were being involved in simple assaults and drug offenses. According to Puzzanchera, (2009), most juveniles were being arrested for commission of crimes such as larceny, simple and aggravated assault. Minor crimes that were committed by juveniles during 2008 were property crimes. In relation to this, the FBI assesses trends in property crimes by monitoring offences such as theft of motor vehicle, larceny and burglary. These crimes increased during 2007-2008. According to Puzzanchera (2009), the number of juvenile female who were involved in the commission of crimes increased in 2008. Law enforcers were able to arrest over 600,000 females who were below the age of 18. During this year, females were arrested for robbery, simple assault, larceny and disorderly conduct. Moreover, during 2008, more female juveniles were arrested for commission of larceny whereas there was a decline in the number of males committing larceny. Puzzanchera (2009) indicates that minorities were highly involved in the commission of the aforementioned crimes. In all cases in which juveniles were arrested for the commission of violent crimes, half of the crimes involved black youth, 1% involved youth of Asian origin, 47% involved white juveniles and 1% involved youth of American Indian origin. In the commission of property crimes, two thirds of the arrested juveniles were white, while the rest were blacks with an insignificant number of Asian and Indian youth. In general, youths of black origin where represented in all instances of juvenile arrests. In 2008,

Probable strategies or measures to be implemented by the authorities Essay

Probable strategies or measures to be implemented by the authorities for Counterterrorism acts - Essay Example It is so much obvious that the organizational head-quarters are of these terrorist organizations are situated in Pakistan and the terrorists use a favorable gateway into India through Bangladesh but international fraternity hardly ever grant a cross border action plan to counter cross border terrorism. On the western part of the globe in the United States and in the United Kingdoms the story of Islamic terrorism is no different. Over here, it is not a problem of cross border terrorism because in these cases of the two countries, sadly enough, the Islamic terrorists are part of their own demography and most of the acts of cross border terrorisms are committed via information channeling. Thus it is more important for countries like United States and United Kingdoms to formulate a substantial strategy to counter terrorism in the most effective manner possible. It should be remembered that the disaster of 9/11 took place when the terrorists took advantage of the American social way of life where the number of domestic frequent fliers are high enough to suffer a low security system. The same is true about London underground rail blast. In both the cases the terrorists took advantage of the counties' way of social life and it would be impossible to alter this way of life putting security as an alibi where the menace is basically organized by a fundamentalist motive. No country should rupture ever under such motives. Prelude to the probable action plans In view of the documents found in the apartment of a suspected Al Qaeda member Anas al-Liby, in Manchester, England, May 2000 it could be stated that the systematic formulation of the general action plans of terrorist activities mentioned in the document indicates a well organized sect being involved in this procedure of destructions. It should be noted that few chapters like the Eighteenth Lesson: Prisons and Detention Centers are truly gruesome and people who are able to execute or simply thing of such proceedings should be stopped at all cost. As it is obvious that the training manual not only indicates activities centering US and UK only but also is applicable to other countries as well, like India, who oppose Islamic fundamentalist's concept of Islamic rule around the world. Therefore it is extremely essential to bifurcate the strategy into two sections viz. Domestic strategies and international strategies. Domestic Strategies: In accordance to the training manual the Military Organization dictates a number of requirements to assist it in confrontation and endurance. These are: 1. Forged documents and counterfeit currency 2. Apartments and hiding places 3. Communication means 4. Transportation means 5. Information 6. Arms and ammunition 7. Transport Under the perception of these operations it would possible to underline strategies based on each of the mentioned point. Forged documents and counterfeit currency: First of all, there is the problem of forged documents and counterfeit currency. To negotiate these and to control probable and further infiltrations the authorities must make it

Civil Rights during Truman, Eisenhower, Kennedy and Johnson Essay

Civil Rights during Truman, Eisenhower, Kennedy and Johnson - Essay Example Eisenhower was more â€Å"cautious† than Truman, who lost the re-election because of his strong advocacy for civil rights (Corse). Eisenhower did not think that legislation and court decisions could alter racial discrimination and prejudice, but he did order desegregation in public schools and the military (Corse). Southern politicians, nevertheless, doubted Eisenhower's cold feet on civil rights and took it as a stand for civil rights (Corse). In 1957, Governor Orville Faubus of Arkansas employed the National Guard to stop the desegregation of Little Rock Central High with the enrollment of nine Black students. Eisenhower placed 1000 paratroopers to protect the Little Rock Nine (Corse). Grassroots activism intensified during Eisenhower's administration, because of the slow improvement in civil rights (Corse). Some of the pivotal events are Rosa Parks' actions and her impact on the Montgomery Bus Boycott, the rising popularity of Martin Luther King, organization of the Souther n Christian Leadership Conference (SCLC) and the Student Nonviolent Coordinating Committee (SNCC), and the lunch counter sit-ins in numerous cities in the 1940s and 1950s (Corse). Kennedy tried to broaden the voting rights for Black people. Attorney General Robert Kennedy collaborated with SNCC and others to improve the registration of Black southern voters (Corse).Kennedy also selected numerous African Americans for Federal positions and made Thurgood Marshall a Federal judge. Activists felt that Kennedy lacked vigor and dedication to the civil rights movement, however, and the former continued direct actions, such as conducting freedom rides that stopped segregation in interstate commercial travel (Corse). on. After the bloody attacks of the Birmingham police against non-violent protesters in 1963, Kennedy was forced to call for the drafting of the civil rights legislation (Corse). He died shortly, nevertheless, which transferred his civil rights obligations to Johnson. Johnson was able to secure legislation through Congress that presidents before him were not able to do. He was able to help pass the Civil Rights Act of 1964, through votes from Northern Democrats and Republicans. This act made segregation in public places and transportation as illegal. It also made the Equal Employment Opportunity Commission that will fight and deal with job discrimination. It further protected the voting rights of minorities and banned gender discrimination. During this time, the Voting Rights Act of 1965 was also passed, which emphasized the right of minorities, especially Blacks to vote, and so this act also greatly increased the number of Black voters in the South. The Immigration Act of 1965 prevented discrimination in immigration, where preference for European immigrants was banned. Hence, civil rights movement was launched more actively during Truman's time and subsided somewhat during Eisenhower's and

Gothic Revival and Neoclassicism Architecture in Churches

Gothic Revival and Neoclassicism Architecture in Churches Gothic Revival and Neoclassicism were strong architectural movements which occurred during the mid 18th to the end of the 19th century. In Wellington, these two architectural movements can be seen through the churches of Old Saint Pauls (OSP) which is a Gothic Revival church and Metropolitan Cathedral of the Sacred Heart (MCSH) which is a neoclassical building. Reverend Frederick Thatcher (1814 1890) designed Old Saint Pauls church in 1866. He was born in Hastings, England and came to New Zealand in 1843. His influences for designing the church were by the ecclesiastical movement and he strongly supported their theories of letting every material used being real and that Gothic architecture is the only true architecture (Alington, 26) Francis (Frank) William Petre (1847-1918) designed Metropolitan Cathedral of the Sacred Heart. Petre was born in Lower Hutt in the North Island. He had strong family connections to the Saint Marys Cathedral (Gothic Revival Church) which had been burnt down in a fire in 1898. This made Petre to design a new Cathedral in MCSH to mark the site of the burnt down church. Although, MCSH is a neoclassical church and construction started in 1899 and was completed in 1901. Petre was influenced by Pugin as gothic was his first love but later moved into classical basilica design because it was a lower cost and for structural sustainability. Approaching OSP externally, I felt that the church seemed to be slightly hidden behind the large trees which obstructed parts of the church at eye level. I could have walked past the building without noticing that it was a church as it was so homely. Mulgrave Street is the road running in front of the church and it is placed on ground level with no major slopes or elevation. (See Figure 1 for exterior illustration) The original clients of the church were British Anglican worshippers and Ecclesiology in church architecture was important during this period in time and the worshippers would have responded to the building with pride as it symbolised British dominance. Todays users are majorly still Anglican worshippers and the growing number of worshippers mean that the church would be used more than at the time that it was initially built. On the other hand, approaching MCSH was a contrast to approaching OSP. A dominant grand building standing tall on a raised platform rose as I walked towards it. The six exterior ionic pillars with immense pedestals which are larger than an average human really made me feel discrete and powerless. This adds an authoritive label to the church. (See Figure 2 for exterior illustration) Catholic worshippers were the original clients and the same remains today. The two distinctly different churches were designed by their architects deliberately to show the different faiths being practised at each church and how specific elements reveal this. This paper addresses how the ordering principles of the columns in both Metropolitan Cathedral and Old St Pauls reveal that the architects planned the structural element not just for functional demands, but to compliment aesthetic values as well. Columns are essential building elements which are used both in OSP and MCSH. In OSP the basic function of the square base column is to support the ribs of the vaults. In MCSH the internal ionic columns are placed to support the altar canopy in the sanctuary area. The columns in each church add to the overall experience with ones individual personal relationship with god. Approaching through the sideway entry at OSP creates an extra anxious wait for seeing the internal of the church at a full scale. There is a true definite emotional aspect walking through the entrance as it somehow silently makes one go on a journey, a journey to God. The columns are noticeable because they are placed near the seating area by the nave so therefore when sitting down looking towards the chancel, the view is filled with the columns alongside the nave with the presence of artificial light inside the church. Although, with purely natural light coming into the church the columns are certainly no distraction when looking at the chancel area because of the dimness created by the stained glass windows. To an extent hides the tall columns and the focus of the eye is upon the chancel due to the maximum natural light in the church being maintained in this area. Margaret Alington reinforces: quality of light within the building is dim, however, as a Neo- Gothicists believed that this was suitable for their style of architecture†¦Natural light leaves Old St Pauls feeling gloomy additional lighting is directed throughout the nave and chancel areas (47). Today, approaching into MCSH is similar to the entering into OSP because the new entrance is perpendicular to the sanctuary area and the internal columns appear when looking towards the chancel. Two main ionic columns which support the altar canopy but there are other decorative purpose ionic columns like structures attached to the arched walls. This can be misleading because they are not classified as architectural columns because they do not support anything. The white columns in the altar from far have a very powerful and elegant look because it holds the canopy in which a painting of Jesus placed underneath. From a closer view, the size of the columns really did place my perspective in scale and the details of the Ionic order appeared more clearly. Historian Margaret Alington explains that one of the most striking features of the Gothic style is the relationship between structure and appearance. They are as one (32). This is portrayed through the columns in OSP. Alington also states that: it is from these columns that the ribs appear to grow. At their beginning, the ribs encase the columns, and at a greater height do they become elements on their own right (38). Thatcher designed the column set up this way to follow the Gothic tradition of emphasising height. Alington further mentions that the continuation of the columns, the ribs add to the organic feeling of the vertical growth which the building possess (38). The Christian soul experiences uplift as the height of the building is symbolic during worship (38). This is an example of the column contributing to the building in physical terms as well as showing historical ideas that they can be seen as being representative of. (See figure 3 for ribs growing from column). Internally, the Ionic order columns are employed by Petre in MCSH to support up the altar canopy. The Ionic column is historically defined by Italian architects, as one of three orders built by the Greeks. Many structures are seen portraying Ionic columns, and examples are seen throughout the world. The Coliseum in Rome, Italy shows a simple Ionic column that has lasted since the original construction in 1st Century AD. The Erechtheion in Athens, Greece is also exhibiting the Ionic column. Dating back to the building of these structures, the Ionic column was an obvious favourite, when trying to communicate strength and dignity. Dr Fil Hearn describes the ionic capital as being faintly evocative of feminine curls but abstractly decorative all the same (110). This explains that Petre wanted to exhibit strength and dignity to the church but at the same time have a decorative quality to it. This relates to a respectful relationship with God where as in OSP it is a more personal one. (See figure 4 columns supporting altar canopy). Gothic architecture is unique in its use of materials. Alington mentions that: In medieval Europe, the building material was stone- usually limestone, frequently sandstone and occasionally granite. This heavy material was made to soar to great heights and to feel light in gothic spires (66). Although, stone is rare in New Zealand but timber is an available resource and the gothic style of England was adapted into this material (66). Thatcher cleverly manipulated the new wooden elements used inside the church as a substitute to stone. New Zealand rimu timber is used for the square base columns inside OSP which lead into the ribbed vaults which are also made from rimu. Rimu can be used in interior situations for a variety of elements, without the need for treatment from decay. Alington writes the English settlers bought with them the style and technologies of their mother country (66). The natural browns of rimu are present in the columns. This also gives a homely effect which ultimately plays with ones senses and leads to a worship of personal qualities. (See figure 5 for colour palette). As an effect of running my hands down a column, the smooth texture of wood is an indication that it has been varnished and handled very carefully. On the other hand MCSH has been made out a much harder structural material. It has a red brick and masonry exterior and white Oamaru stone in the interior, also plastered pilasters and concrete was used for greater strength and is weather resistant. My conclusions of why stone is used for the ionic columns in MCSH and in neoclassical buildings are because of the solidity of the stone. It adds to the overall effect of the building of representing strength and dignity as this was a key prospect in classical architecture. Also, the painting of Jesus under the altar canopy needs to have a strong support by the columns. This is symbolic in a way because the ionic columns act as the strength of the church as this may be the importance for the shelter of Jesus Christ. The architects of both churches purposely used ordering principles to position the columns to create, axis, symmetry, hierarchy, rhythm and repetition. Both churches include ordering principles which overall create an emotional experience on the worshipper of each respective church. Some aesthetic values are also created in this process. Geometry formed the basis of gothic art (Alington, 54). Thatcher designed OSP with series of squares. Also the repetition of equilateral triangles were employed by Thatcher to symbolise the Trinity, and the quatrefoil being symbolic of Matthew, Mark, Luke and John, the four evangelists (Alington, 60). (See figure 6 for plan) The forms and spaces of any building should acknowledge the hierarchy inherent in the functions they accommodate, the users they serve, the purpose or meaning they convey, and the scope or context they address (Ching, 320). Ching is addressing to the fact that forms and spaces should have a purpose in a building and they must portray a meaning and this is what is done in OSP by Thatcher. The placement of the columns creates an axis running through the centre of the nave and this also establishes a symmetrical arrangement of the columns and space. Ching states that a symmetrical condition cannot exist without implying the existence of an axis (330). A hierarchy of the chancel area is also formed by the columns creating a visual direction to look towards when sitting down. This hierarchy is formed by size and placement. dominate an architectural composition by being significantly different in size (339), the focus of a centralised or radial organisation (339). Rhythm refers to any movement characterised by a patterned recurrence of elements at regular intervals (356). This is true because of the pattern made by the columns in OSP as they are placed at regular intervals on either side of the nave. This cre ates a sense of order and is pleasing to the eye as one walks into the church. (See figure 7 for plan). The Classical language of architecture adheres to notions of natural order and beauty through harmony and discipline and Petre addresses this in MCSH. Symmetry and harmony is achieved by using balanced axis through the building. Everything is perfectly balanced (or was until the restoration and additions in the 1980s).Each part of the building stands a mirror image of the other part from macro to the micro. This creates symmetry which is very aesthetically pleasing. Ching mentions that radiating elements such as the composition can be divided into similar halves along a central axis (330). The windows also match up to their opposites. Entrances into the building stand opposite the entrance to the sanctuary. Nothing is random or asymmetrical. The two columns supporting the altar canopy creates the hierarchy point because the main painting of Jesus is placed underneath the altar. Also because there are only two proper columns inside MCSH, the rest which are decorative illusions are pl aced against the arched walls. (See figure 8 for plan) In comparison, OSP and MCSH have numerous ordering principles although, MCSH has a very controlled and dignified march to the focus of the Sanctuary which is first manipulated by the narrow columnisation at the exterior portico, with a pace that makes you hurry. MCSH holds a more disciplined order through the arrangement of elements than OSP. For aesthetic considerations Petre used the golden section in MCSH. The Greeks recognised the dominating role the Golden sections and the proportions of the human bodythey utilised this proportions in their temple structures (Ching, 286) The golden section/ratio is also used in the ionic column. The base end of the ionic column is 0.618 time larger than the top end. This creates a perfect balance for the element which creates visually pleasing qualities and supposedly to be the perfect building ratio. The golden section is not only present in the columns but also in the whole church itself. The external face of MCSH is all presented through this ratio and also the floor and ceiling all use this rule. This symbolises authority through perfection and order and impacts worship activities in many ways. The sense of perfection and order in MCSH discards any sense of private discovery of god because everything has been discovered through the perfection of the building. Similarly, the original floor plan of OSP is based on this golden section. Although that is the only aspect of the golden section used in this church and aesthetic values thrive through the arrangement of elements as discussed before. Thatcher and Petre planned the columns to fit ordering principles which suited functional demands and complimented aesthetic values too. Overall, OSP demonstrates the Neo-Gothic style, following the ecclesiological society and MCSH demonstrates the Neo classical style following the Ionic order effectively. The functional demand of the columns in MCSH is to support the altar canopy of which the main painting of Jesus is placed under and therefore serves an important role in the church. Meanwhile is OSP the columns are present to support the rubbed vaults which ultimately holds the church up. Thatcher and Petre use ordering principles such as axis, symmetry, hierarchy, rhythm and repetition to show reason for each respectable church and to create aesthetic properties as well. Aesthetics values were also evident through the use of the golden mean and this was employed in both churches. The columns presented in both churches contribute to each of the buildings in physical terms as well as the historical ideas that they can be seen as being representative of. The two architectural movements (Gothic revival and Neo-classica l) in the 18th and 19th century were evident in both churches and Thatcher and Petre can be proud with their creation of both churches as it is a place for many worshippers today.

The Theme of Carpe Diem in Robert Herricks To the Virgins to Make Much

The Theme of Carpe Diem in Robert Herrick's To the Virgins to Make Much of Time Robert Herrick's poem, "To the Virgins to Make Much of Time," focuses on the idea of carpe diem. More specifically, in this poem the idea of marriage while love and flesh are still young should be heeded or one may suffer in their later years alone and loveless. Herrick suggests that this gift of virginity might be a great waste if not given while it is still desirable. Virginity is a gift for the simple reason that it can only be given once to the taker of the prize, which he believes should be the husband. Therefore, he says to go out and find husbands, for youth is not perpetual and will eventually succumb to old age and loneliness. Through Herrick's use of colorful imagery and personification, the reader detects a sense of urgency and duty for the virgins to go forth and marry while time is still at hand and love is bountiful, thus creating the overall idea of carpe diem. The first stanza of the poem opens to the personification of the flowers as the virgins: Gather ye Rose-buds while ye may, Old Time is still a flying: And this same flower that smiles today, To morrow will be dying. (ll. 1-4) The rosebuds correspond to the virgins in that they are beautiful and delicate, yet they have not reached their full potential and maturity by becoming full bloomed roses. Time is also personified as, "Old Time," which suggests a genial greybeard more than a grim reaper (Rollin 83). Time is still "a flying" suggests a comical image more than ominous but still one of urgency (Rollin 83). The image of the smiling flower indicates innocence and freshness but it only "smiles today, To morrow [it] will be dying." A grim and abrupt end comes to t... ...s across his idea of carpe diem in a very understandable way. The images used were easily comprehended, and the poem was often comical. His advice is very typical of a charismatic man who easily can manipulate words in his favor. One illustration that came across from this poem was one of entertainment, and not surprisingly mostly on the behalf of men. I can imagine the laughter this poem would draw from women in a bar if a man attempted to use these arguments as pick-up lines. Yet, the message does have a serious light in that time should not be taken for granted. Something that one may possess today, such as beauty or youthfulness, will eventually succumb to old age. Experience things while they are still fresh and untouched, for later on one may regret not having done so. Works Cited Rollin, Roger B. Robert Herrick. New York: Twayne Publishers, 1992. 83-84.

Dr Jekyll and Mr Hyde Essay

The famous Dr. Jekyll and Mr Hyde was written by Robert Louis Stevenson and has remained popular ever since its publication in 1886. Robert was born in 1850 and was born in Edinburgh, Scotland. He was brought up a calvalist, however followed the bohemian life style. He married Mrs. Fanny Osbourne in 1880 and supported Priest Dameor who cared for the lepers. Dr Jekyll and Mr Hyde is a rich tale of the duality of mankind and how we are in ‘essence creatures created for good’, however in all of us there is the seed to do bad. The moral of the story is an old biblical one that many Christians recite daily in prayer†¦Ã¢â‚¬â„¢Lead us not into temptation, but deliver us from evil’. This might be one of the reasons Stevenson wrote this book; Jekyll lives a double life of propriety and shame, imprisoned by the moral demands of Victorian society, and so did Stevenson. He too was surrounded by upright, religious and rigid citizens. He was even pressured into studying law at Edinburgh University. This book was written as a horror story. We know this because of the settings and plot. Stevenson wrote the book at the time of many murders in the east of London and the complete ignoring of social values and heartless deeds committed by Mr Hyde are totally in synch with Jack the Ripper and Sherlock Holmes. Mr Hyde represents the exact opposite of what Victorian gentlemen should act and the savageness of his actions is what made the book so scary back then. The story takes place in London during the nineteenth century. The central mood of the novel is one of mystery and terror. Stevenson creates dark settings to create a mood of anticipation and mystery. E.g.’ He was aware of an odd, light’. Mr Hyde only comes out in the dark, foggy night, which subsequently makes the reader suspect mainly sinister intentions and automatically informs the reader that there is an expectation of trouble and something threatening, as the dark brings ominous feelings and terror to the reader. Stevenson changes the weather from regular night to more dark and foggy so that it is almost impossible to see clearly, therefore emphasising the fact through the fog, there is something concealed and surreptitious lurking about which makes the reader feel anxious. Also, he makes the character more evil looking in the dark e.g.’ In the darkness of the night he gave an impression deformity without any namable malformation’. This makes the reader picture a horrific creature that makes them feel defenceless and exposed. Stevenson describes the fog being broken up as a ‘haggard shaft’. This gives the sense of destructiveness and violence. Also the quote ‘swirling wreaths’ gives the sense of death as wreaths is what is placed on-top of a coffin. Finally Stevenson describes the gloomy avenues as ‘mournful re- invasion of darkness’ which gives the sense of decay and obscurity. All these quotes also make the reader feel uneasy and apprehensive. The quotes ‘It seems she was romantically given’ and ‘London from all around very silent’ gives an eerie effect and provides a somewhat peaceful response. These quotes are also examples of emotive language, because they give the reader an emotional response. ‘A certain sinister block’ and ‘tramps slouched’ are both examples of figurative language which gives the reader a precise picture of what is in the setting. The quote ‘tramps slouched’ gives us an unpleasant image of what reality was really like for the poor, making the reader feel uncomfortable as well as sympathetic. As addition to Stevenson using figurative and emotive language, he also uses a wide range of verbs like ‘ragged’ and ‘dingy’ which helps the reader to get a detailed picture of the insecurity and filthiness in which they lived through, and adjectives like ‘ragged children huddled’, which illustrates the fear and torment which even children went through. The quotes ‘low growl of London’ and ‘city in a nightmare’, all give off the impression that the streets of London at the time were grimy, dangerous, dingy and simply terrifying places to live. Also the word ‘growl’, an example of personification, gives a sense that there is a savage, ruthless and a ferocious monster prowling about London. Finally the metaphor, ‘light of some strange conflagration’, gives a reference hell which makes the reader feel uncomfortable. Even though there are many quotes referring to the struggles of Victorian society, there are on the other hand several quotes which describe the other side of Victorian society which was entirely different. For example, ‘bachelor house’, ‘close by the fire’ and ‘gratefully to bed’, all give off a cosy, warm, safe and welcoming impression. So yet again we have another contrast of the rich, warm, safe Victorian residence to the poor, insecure and generally tough Victorian slums. This shows that if you were rich you could use the power whatever way you like, however if you were poor, you were trapped in a world of poverty and in a sense of revulsion. There are three main characters in the novel, Dr Henry Jekyll, Edward Hyde and Mr Utterson. Dr. Henry Jekyll is a prominent middle- aged doctor and throughout the novel he is physically described as both ‘tall’ and ‘handsome’. He is also extremely wealthy and by all who him, he is described as well respected and proper. For example, Stevenson describes Jekyll as a ‘entertainer’ and a person known for ‘charities’ which gives the impression that Jekyll is a warm, pleasant, middle class gentleman. In the book, his voice is only heard in the concluding chapter (Henry Jekyll’s full statement of the case), only after being described through the lens of Utterson, Lanyon, Poole and Enfield. The doctor’s belief that within each Human- being exists two countering forces, good and evil, leads to his experiments to try to separate the two. This however, was not done merely for scientific reasons, but also because he enjoyed escaping the confines of the respectable guise of Dr. Jekyll. The quote which illustrates this is ‘The transformation was succeeded by a sense of joy’. This also suggests that people didn’t know what was right and what was wrong and would do and ask questions later. Also in the book he is described as ‘less distinguished for religion’, which suggests he too questioned Christianity like many other people of his time. For example, Darwin challenged religion as he came up with the theory that we evolved from monkeys which would mean the world wasn’t made is seven days. Edward Hyde is a ‘small’, ‘deformed’, ‘disgusting’ young man (much younger than Dr Jekyll) that is devoid of an apparent profession. Also the quote ‘deformed’ illustrates that some Victorians disliked and rejected disabled people. Stevenson describes Hyde as ‘callous’ and ‘violent’ and ‘a murderous mixture of timidly and boldness’, which gives the impression Hyde is a fierce, ruthless, brutal monster. Despite the many descriptions of the horror that Edward Hyde invokes (by Lanyon, Utterson and Enfield), we are never told in detail precisely why or what features are so disgusting to observers, which emphasises the fact the novel was made in the time where phrenology (judging someone by their appearance) was the key to knowing if someone was good or evil. Hyde is also often compared to animals e.g.’ snarled’, implying that he is not a fully evolved Human- Being. Another factor which suggests he is compared to animals is the fact he only menaces society at night e.g. trampling a girl in the street and murdering Sir Danvers Carew, which relates him to rodents and other nocturnal animals. Finally the quote ‘the man seems hardly human’, illustrates the fact Hyde is not a whole and has something missing†¦. Good. Mr Utterson is the narrator of the book and is described as ‘tall’ and ‘loveable’. He is a middle- aged lawyer plus someone that all the characters confide in throughout the novel. As an old friend of Jekyll, he recognises the changes and strange occurrences that centre around both Jekyll and Hyde. Stevenson describes Utterson as a ‘reliable’ and ‘Modest man’ which suggests he is perhaps the most circumspect and respected character in the book; therefore, it is significant that we view the crimes of Hyde through his observant frame. However, when Utterson discovers Hyde’s body in a red cabinet, instead of reporting it to the police he precedes in reading a letter addressed to him, which suggests he is more interested in his social status than solving the mystery. The quotes ‘his friendship seemed to be founded in a similar catholicity of a good nature’ and ‘his friends were those of his own blood or those who he had seen the longest’, illustrates the fact he is insular, biased and narrow-minded. Knowing this makes the reader question if the story is told accurately and truthfully. The thing I noticed about this novel is that all the women are either victims or maids. E.g. the girl who got trampled on, the maid who witnessed the murder of Sir Danvers Carew and the house maid. This suggests that the middle class Victorian society were very sexist. However, if a Victorian was to read a modern day horror story, they would probably come up with the same conclusion, as the majority of victims in today’s horror stories are women. The strange case of Dr Jekyll and Mr Hyde is typical of the horror genre as it has many factors in which we would expect to see in a horror story today. For example, the story is mainly set at night, there are victims and most importantly the evil character is punished at the end of the novel. Mr Utterson is the narrator of the book and we are told the story through his eyes and told as though it’s true. This contributes to the element of suspense as we only know what Utterson knows. Suspense is also built up as Stevenson writes as if there is a final explanation as to whom the mystery figure is but doesn’t let on and instead lets the suspense build. He occasionally allows a small amount of information out just to whet the appetites and keep up an atmosphere of mystery and confusion. For example, at the end of chapter five (Incident of the letter), Utterson says ‘Henry Jekyll forge for a murderer’. Not only does this make you wonder who the murderer is, but it also makes the reader want to read on. This atmosphere, one of controlled suspense, gradual building up of a sense of horror and destruction is achieved through a slow accumulation of unemotional detail, as this leaves the reader wondering what the characters are like and what they might do . I believe horror stories today do still follow a similar pattern, in the fact people who do bad deeds are usually punished, they are packed with suspense and often include someone trying to solve the mystery or catch the villain or monster, which in our case is Mr Utterson. However, the major difference in more recent examples of the genre is the tendency to locate the monstrous squarely within the normal, rather than presenting it as a threatening creature, such as Mr Hyde and Frankenstein, all made by individuals. Alfred Hitchcock had in fact changed this direction of the horror genre in 1960 with Psycho; the movie not only presented its most frightening moment, the shower murder, it also suggested that horror resides in everyday life rather than in alternative worlds of the supernatural or the gothic. Finally, the recent so called ‘slice and dice’ films, such as Halloween, and ‘living dead’ movies such as the ‘night of the living dead’ are demonstrations of how contemporary special effects technology can depict increasingly gruesome and imaginative dismemberment and mutilation usually at the expense of character, plot and theme. Even though these are all films, we can still see how there is a greater desire for horror stories which are related to everyday occurrences or objects. In Dr Jekyll and Mr Hyde, Robert Louis Stevenson illustrates the devastating effects of meddling with God’s creation and how our negative and evil desires and urges can overtake our original selves until we lose touch of who we once represented. Furthermore, Dr Jekyll’s desire and addiction to temporarily alter his existence results ultimately in his deadly demise. Jekyll and Hyde demonstrates how innocent curiosity about the darker sides of our nature can soon get out of hand and how evil is compulsive and how evil can so easily take control of the good. Stevenson has used Jekyll and Hyde to show that everyone has good and evil inside them. He portrays this very well by using the setting to portray good and evil e.g. dingy street and a grand residence. He also makes a very important point which is relevant today as it was in the nineteenth century. This is that bottled antisocialable behaviour can lead to sudden violent outpourings, such as seen in Hyde’s murder of Sir Danvers Carew. In Victorian society no one questioned God so the idea of something happening which isn’t controlled by God would be unusual. Also electricity had only just been invented so people were quite wary about the things science could do. I think the main theme in the book is duality and how London is split into good and evil, rich and poor, scientific fact and experimenting new ideas. The final point I wish to mention is how they kept secrets. On the outside people were warm and inviting, however inside, people kept intimate secrets, such as dealing with drugs, alcohol and prostitution. I believe this was probably due to the fact there wasn’t much pleasure in this type of life. There are many morals included in Dr Jekyll and Mr Hyde; however there are two main morals which stand out, one straight forward moral and a more complex moral. The straight forward moral is that if you do bad deeds you will be punished and also how addiction can lead to violence and how violence can lead to murder. The more complex moral, however is about the appeal of being Mr Hyde. Because Mr Hyde is described and talked about so much, he is probably the most interesting and exciting character in the book, which turns the straight forward moral on it’s head and makes Hyde the most appealing character in the novel. I believe the relevance of Dr Jekyll and Mr Hyde has changed considerably over the last hundred years. The main difference is that the Victorians saw this book religiously, however now when we read this book we think it’s about personal weakness and how addiction can lead to evil. A Victorian also wouldn’t see the relevance of drugs and alcohol in this book, nor would they understand the relevance of addiction and what effect it has. Some may say that as humans, we wear masks. Not real masks, but masks that cover up our true personality showing our good side around our friends and our bad side around our family. These are great examples of man’s fight in duality; our good side is always competing against our evil side, resulting in our duality, our fight over good verses evil. In this story, Doctor Jekyll is a regular scientist with the same feelings as every other human being; Mr. Hyde is a manifestation of Doctor Jekyll’s evil side and as a result, he is able to commit murder without any guilt. In the end, the evil manifestation won, taking completely over the Doctor’s body. The fight between good and evil is over! Finally, I believe the strange case of Dr Jekyll and Mr. Hyde is about how Dr Jekyll struggles to decide either to do the right thing and be a good citizen, or to do the thing Dr Jekyll desires the most and to be Mr. Hyde which he knows is wrong.

Internship Report on Meezan Bank Essays

Internship Report on Meezan Bank Essays Internship Report on Meezan Bank Paper Internship Report on Meezan Bank Paper Essay Topic: Bless Me Ultima ACKNOWLEDGEMENT Internship training for  the students of Commerce and Business is a complimentary portion of the education,  where students are  put at  various organizations of  their respective  specialization; to see and apply their theoretical knowledge what they have studied dur ing their academic program at the institute. Meezan Bank is one of those organizations where student can achieve his/her academic and  professional knowledge productively. In the preparation of this internship report, I acknowledge the encouragement and assistance given by a number of people from Meezan Bank Ltd. I found every one very co-operative and helpful for providing me the theoretical as well as practical knowledge about the function and operation of the bank. I am heartly grateful to CAD ( Housing) department, Manager CAD The Senior Vice President, Mustafa Mohsin, Assistant Manager Syed Adnan Ali, Officer Aurangzab, Qaiser, Naeem Javed. They have been most supportive people throught my internship. And I want to pay my thanks to Humail Jilani, Sana mehmood, Salman, Kashif, Ali, Rehan, faraz from Car Ijarah. Faraz Ahmed Jalal, Habeeb Siddiqui, Noman Ahmed Akif From Labbaik Laptop. Akrama Farroqi, Salman, Fahad Khan, from Housing. Raza Saeed, Amir, from RMU for their cooperation.. ABSTRACT This report is specially meant for students of commerce. It is concerned to a brief study of the operations, functions, Products and Services of Meezan Bank. Meezan Bank is the largest Islamic Banking Network of pakistan. Islamic banking one of the fastest growing segments of the financial industry. Banks serving the Islamic population must comply with several very specific principles of Islamic law if they hope to retain existing customers and attract new ones. Banks must be ready with specialized products and services and they must put programs in place to train their personnel to support these products and services in order to exist in this competitive marketplace. This Report contains detail of MBL Management structure, products and Functions along with their features. It also includes departmental work in MBL Consumer Head Office. INTRODUCTION OF MEEZAN BANK Meezan Bank Limited, a publicy listed company was incorporated on January 27, 1997 and started its operations as an investment Bank in August that year. In January 2002 Meezan bank was granted as nations full-fledged commercial bank licence as a dedicated Islamic Bank, by The State Bank of Pakistan. Meezan Bank is the first and largest Islamic Bank in Pakistan having a network of over 220 branches in over 60 cities across Pakistan. Meezan Bank offers a complete range of Islamic banking products and services, including free online banking for all Pak Rupee account at all its branches. Meezan Bank today a noteworthy point along with the evaluation of Islamic Banking in pakistan. Meezan Bank  is catering to an increasingly astute and demanding financial consumer who is also becoming keenly aware of Islamic Banking. Meezan Bank bears the critical responsibility of leading the way forward in establishing dynamic and stabled Islamic Banking System. Meezan Bank offereing valuable products and services to its customers without any violation of shariah principles. MISSION VISION STATEMENT OF MEEZAN BANK Vision [pic] |   | | |   | | |Establish Islamic banking as banking of first choice to facilitate the implementation of an equitable| | |economic system, providing a strong foundation for establishing a fair and just society for mankind. | Mission [pic] |   | | |   | | |To be a premier Islamic bank, offering a one-stop shop for innovative   | | |value-added products and services to our customers within the bounds of Shariah, while optimizing | | |the stakehol ders value through an organizational culture based on learning, fairness, respect for | | |individual enterprise and performance. | Service Mission [pic] |   | | |   | | |   | | |To develop a committed service culture which ensures the consistent delivery of our products and | | |services within the highest quality service parameters, promoting Islamic values and ensuring | | |recognition and a quality banking experience to our customers. | SHARIAH SUPERVISORY BOARD MEEZAN BANK The basic principle of Islamic banking follows the laws of Sharia, known as Fiqh al-Muamalat (Islamic rules on transaction). The term â€Å"Islamic banking† is synonymous with â€Å"full-reserve banking† and â€Å"Sharia-compliant banking. † Members of the Shariah Supervisory Board of Meezan Bank are Internationally-renowned scholars, serving on the boards of many Islamic banks operating in different countries. The members of the  Board are: Justice (Retd. ) Muhammad Taqi Usmani ( Chairman) ? Dr. Abdul Sattar Abu Ghuddah ? Sheikh Essam M. Ishaq ? Dr. Muhammad Imran Ashraf Usmani (Shariah Advisor) ? The Board of Directors of Meezan Bank: H. E. Sheikh Ebrahim Bin Khalifa Al-Khalifa  (Chairman) Mr. Abdullateef A. Al-Asfour Mr. Rana Ahmed Humayun Mr. Mohammed Azzaroog Rajab Mr. Ahmed Abdul Rahim Mohamed Mr. Alaa A. Al-Sarawi Mr. Mian Muhammad Younis Mr. Mohammad Abdul Aleem Mr. Irfan Siddiqui  (President CEO) Mr. Ariful Islam  (Chief Operating Officer) MEEZAN BANK SEGMENTS Meezan Bank is managed by a team of professional bankers committed to the cause of Islamic Banking. This single unifying factor unleashes the tremendous power of a dedicated and motivated team committed to fulfilling the Vision and Mission of this Bank. The business segments of the Bank are: Consumer  Banking Corporate Banking Investment Banking Commercial Banking  (including Small and Medium Enterprises) Treasury Financial Institutions Asset Management (managed through a subsidiary Al Meezan Investment Management Ltd. ) PRODUCTS AND SERVICES OF MEEZAN BANK Banks that comply with Islamic law are forbidden to charge interest or late payment fees, which is also considered a type of riba. To minimize risk, banks will often require a large down payment on goods and property, or insist upon large collateral. It is lawful for the Bank to charge a higher price for a good if payments are deferred or collected at a later date since it is considered a trade for goods rather than collecting interest. Sharia-complaint banking products include Mudharabah (profit sharing), Wadiah (safekeeping), Musharakah (joint venture), Murabahah (cost plus) and Ijarah (leasing). Another way that banks work within Islamic laws while trying to turn a profit is by buying an item that the customer wants, and then selling the item to the customer at a higher price. Products Of Meezan Bank 1) Car Ijarah [pic] 2) Housing Finance (MUSHARKAH) [pic] 3) Meezan Lap-Top (MUSSAWAMA) [pic] 4) Meezan Labbaik Ummrah [pic] CAR IJARAH (YOUR OWN CAR. QUICK, AFFORDABLE HALAL! ) An Islamic Ijarah is an asset-based contract, i. e. he Lessor should have ownership of the asset during the period of the contract. Under Islamic Shariah, all ownership related rights and liabilities should lie with the owner while all usage-related rights and liabilities should lie with the user. A conventional lease contract does not distinguish between the nature of these liabilities and places all liabilities on the user of the asset, contradictory to Islamic Shariah. Under Car Ijarah in Meezan Bank, all ownership-related risks lie with the Bank while all usage related risks lie with the user, thus making the Lessor the true owner of the asset and making the income generated through the contract permissible (Halal) for the Bank. MODES OF CAR IJARAH There are two separate entities in Car ijarah. 1) INDIVIDUAL Salaried individuals, With necasary documents and conditions can apply for Car Ijarah Facility. 2) CORPORATE SME’S Small Business Entities. SME’s are legal entities that work on small basis. Sole Propritership Partnership having less than 50 Million current assets are called SME’s. COMMERCIAL To lie in Commercial Entities, A firm must have sales of 300 millions above 50 million current assets. CORPORATE Corporate are those Entities having above 700 millions sales. Mostly the Companies registered under companies Ordinance are corporate firm. Tenure:3 to 5 years Security Deposit:0 to 50% ( 0% S. D is not for Individual Clients, because due to State Bank regulations relaxation can be given to Corprates. ) Key Features of Car Ijarah Low monthly rental. Rental paid after delivery, not in advanced. Fastest processing and delivery. Tracker option available. Minimum security deposit. All new, used, local, imported and luxury vehicles can be financed Additional Car Ijarah features are; Continuation Of Lease Rentals In Case Of Total Loss Or Theft Of Vehicle If the leased vehicle is stolen or completely destroyed, the conventional leasing company continues charging the lease rent till the settlement of the Insurance claim. Under the Islamic system, rent is consideration for usage of the leased asset, and if the asset has been stolen or destroyed, the concept of rental becomes void. As such, in the above-mentioned eventualities, Meezan bank does not charge the lease rental. Takaful Instead of Insurance Legally (in accordance to Pakistan’s Law and Regulations), it is required for all leasing entities to insure the leased assets. As such, Meezan Bank insures its leased assets. Meezan Bank insured its assets through Takaful only, which is Islamic product for insurance. The Islamic Insurance Companies in transactions with Meezan Bank are Pak Kuwait Takaful Pak Qatar Takaful. Permissibility for Penalty of Late Payment of Rent under Islamic Shariah In most contemporary financial leases, an extra monetary amount is charged, in their income, if the rent is not paid on time. This extra amount is the considered as Riba and is Haram. Under Ijarah, the Lessee may be asked to undertake, that if he fails to pay rent on its due date, he will pay certain amount to a charity, which will be administered through the Islamic Bank. For this purpose the bank maintains a charity fund. 2) Easy Home Importance of Halal home finance Owning your own home is one of lifes most important achievements. It represents your security, stability, and is a great blessing in itself. It provides that all-important safety and comfort for you and your loved ones. However, in todays often unpredictable and costly environment, saving the required money can take a lifetime in itself. Rising property prices, taxes, inflation, currency devaluation†¦ its all a very hard bargain. On the other hand, owning your own home and paying an easy installment that takes you step by step towards complete ownership, is so much better than paying a rent which ultimately only adds to your expenses. Added to that is your desire to stay away from interest based financing and be totally Riba-Free, thus  achieving that inner satisfaction and peace of mind you desire so much. Why not have the best of both worlds? Isnt that what you are working so hard for anyway First complete Islamic Home Finance facility in Pakistan! Easy Home is comprehensive, affordable, and totally hassle-free. For at Meezan Bank, people are committed to meeting customers needs, in| |a truly Shariah-compliant manner coupled with dedicated service excellence. | |Islamic Financing on a Dimin ishing Musharakah basis | |With  Easy Home  customer participate with Meezan Bank in a joint ownership of property, where the Bank will provide a certain amount of | |financing usually up to 85%. They agree to a monthly payment to the Bank of which a component is for the use of the home (rent), and | |another for equity share. In fact, the otal monthly payment is  reduced regularly as your share in the property grows. When customers have| |made the full investment that had been agreed, customer become the sole owner with a free and clear title to the property. | | | | | | | | | | | | | | |Particulars | |Eligibility | | | |Citizenship | |- Pakistani and Non Resident Pakistanis as per policy | | | |Residence Work Address | |Pakistan other countries (NRP) as per policy | | | |Age | |- Minimum age required for a Primary Customer is 25 years. |-Co-applicant must be over 21 years of age. | |- Maximum 65 years old at the time of maturity of facility for Primary Customer . | |- Maximum 70 years old at the time of facility maturity for Co-applicant. | |In case of Salaried Person Applicant and/or Co-applicant, maturity date of facility shall not exceed the date of retirement. | | | |Customer / Applicant | |- Primary (or Single) Co-applicant allowed. | |- Co-applicant must be a member of the immediate family i. e. pouse parents only | | | |Income | |Salaried | |- Minimum Gross Income of PKR 20,000 per month. | |- 100% Co-applicant income will be clubbed in case of spouse. | | | | | |Self-Employed / Business Person | |- Minimum Gross Salary of PKR 50,000 per month. | | |Personal Reference | |- Two personal references (one relative and other office colleague/friend) not living with the customer | | | |Employment Tenure | |Salaried | |- Permanent job with a minimum 2 years continuous work history in the same industry / field. | | | | | |Self-Employed / Business Person | |- Minimum 3 years in current business / industry. | | | | | | |Particulars | |Eligibility  (For NRP Customers) | | | |Citizenship | |Pakistani | | | |Product Category | |Buyer, Builder, Renovation Replacement | | | |Builder / Renovation Cases | |In such cases, a responsible person will be appointed by the NRP customer who will look after construction on Musharakah property/land. | | |Segment | |Salaried Only | | | |Co-applicant for Income clubbing | |50 % of Net income of Parents, Spouse Son | | | |Age (Applicant Co-applicant for calculation of MBL financing amount) | |25 to 60 years | | | |Co-applicant Age (without income clubbing) |25 to 65 years | | | |Income | |Gross PKR 150,000/- above | | | |Employment Tenure | |Two years (minimum) regular experience in same industry. | |Minimum last 1-year existing job in the same country. | | | |Employment Status | |Permanent Contractual | | | |Company Eligibility | |Multinational Co. Well Established Local Corporate Groups | | | |Financing Tenor | |3 to 20 Years | | | |Financing Range | |PKR 0. 3M PKR 40M | | | FEATURES OF EASY HOME COMMENCEMENT OF AGREEMENT. The contract of Diminishing Musharaka house financing can be effected for a future date on the condition that the â€Å"profit† rate is payable after possession of the house by the client. Thus an effective forward contract is allowed despite its prohibition in Islam. It is called â€Å"a later† contract by the Islamic bank. Repayment of principal and â€Å"profit† / rent becomes due on possession of property by the client. 1- TERMINATION OF CONTRACT If the financier contravenes any term of the agreement, the client has the right to terminate the Musharaka contract unilaterally. If there is no contravention on the part of the financier, the contract cannot be terminated without mutual consent by the client. In case of the death of the client the contract will be terminated and it will be renewable by his successors. The client can terminate contract by purchasing the shares of the bank. 2- RISK OF LOSS In the Diminishing Musharaka house financing contract the financier as a Shirkat-ul-Milk participates in â€Å"profit† not in loss, the client will participate in both â€Å"profit† and loss, and the client will bear all losses. 3- OWNERSHIP PROVISION In the Diminishing Musharaka house financing contract the bank and the client co-own the house according to a predetermined ratio, if the bank invests 80% and the client invests 20%, the bank will own 80% of the property. 4- SALE TRANSFER The bank makes an agreement to allow the client to buy the units periodically, thus reducing the share of the bank and increasing the share of the client. This arrangement allows the bank to claim â€Å"rent† according to its proportion of ownership in the property and at the same time allows a periodical return of a part of the principal through purchase of the units of the bank’s share of the house by the client. 5- EXPENSE CONSEQUENT TO OWNERSHIP In Diminishing Musharaka house financing contract the client pays all expenses consequent to ownership, the bank participates in â€Å"profit† not in expenses or losses. 6- SECURITY Meezan Bank and AlBaraka require mortgage deeds. They prefer simple and registered mortgages. 7- LIABILITY OF BANK In Diminishing Musharaka house financing contracts the bank is liable for complying with the terms of the agreements. These include payments according to pre-determined schedules and sale of its share to the client. At the time of agreement the bank must disclose all facts pertinent to the agreement before the agreement is enacted 9- RIGHTS OF BANK’S CLIENT Diminishing Musharaka house financing. In Diminishing Musharaka house financing contracts the following are the rights and the powers of partners. 10-PENALTY ON LATE PAYMENT In Diminishing Musharaka house financing contracts the bank is entitled to charge penalty on late payments. Standard Chartered (Islamic bank), Meezan and Alabaraka charge penalty after 45 days. If the client makes late payments, the bank will continuously charge penalty. ?Easy Home offers customers a comprehensive solution with: Easy Buyer Easy Builder Easy Renovate Easy Replacement Within these wonderful options come the special benefits of Easy Home. Flexible Financing Tailored to Support customers. High financing amounts. Maximum financing against property value. Flexibility to make partial prepayments. Minimal processing charges. Very affordable and competitive monthly payment plan with a regularly reducing  rental amount. Quick Processing Time Absolutely hassle-free. Quick turn-around-times, with no burdensome complexities or exces s paper work. It’s simple, halal, and easy! Come and take the step towards Riba free financing for your home, made easy with Meezan Banks Easy Home! Easy Buyer Buying a Home is Easy Halal!. Meezan Bank will finance up to 70% of the appraised value of your home cost to salaried individuals 60% to Businessmen.. Flexible financing by calculating DBR ( Debt Burden Ratio) Easy selection of financing tenure from a minimum of 2 years  (excluding construction period of max 12 months) up to a maximum of  20 years. ( in some cases it can go with 25 years Tenure) Easy Builder Building a Home is Easy Halal! For that special home you want to build yourself, or to help continue construction you may have already started. Meezan Bank will finance up to 70% of the appraised value of your home cost to salaried individuals 60% to Businessmen.. Flexible financing by calculating DBR ( Debt Burden Ratio) Easy selection of financing tenure from a minimum of 2 years  (excluding constr uction period of max 12 months) up to a maximum of  20 years. in some cases it can go with 25 years Tenure) Easy Renovate Renovating your Home is Easy Halal! Making your home even better or just repairing it, do it with Meezan Banks Easy Renovate! Meezan bank finances maximum 30% of the Property Value in case of Renovation. Easy Replace Replacing  your existing mortgage to Islamic mode is Easy Halal Ready for transaction if it is replaced from Islamic Bank. It will Take period of 12 Months in case of replacement from Conventional Banks. RENTAL AMOUNT Rent Amount Is calculated with taking three figures. 1) UNIT COST (Dividing financing Amount with Total units/ months) 2) KIBOR ( Karachi Inter Bank Office Rate)Currently 14. 9 3) PROFIT RATE 3 for Salaried. 4 for Businessmen. 2 for listed Companies in Banks profile. RENTAL= UNIT COST+ KIBOR + PROFIT RATE Modes of payment UMI EMI STEP UP MEEZAN LAPTOP Meezan Bank launches Laptop Ease offer in April 2011. It is a Shariah-co mpliant laptop financing, for individuals and for corporate class of  pakistan. By choosing this facility, customers can grab at their laptop sets by a process of easy installments.. Special features of Meezan Laptop Ease: Easy Installment options for financing period for 3 to 24 months. 2 years warranty with parts provided by vendor. Free Caring Case will be provided by vendor. Dedicated Call Center by New Horizon (vendor) for addressing after sale issues and providing after sales support to the customers at their door step Absolutely Free Takaful Coverage. All laptops acquired through Meezan Laptop Ease will be covered by Takaful (Islamic Insurance) before delivery to the customers. Minimum down payment up to 15% Laptop model offerings will vary from time to time in consistence with the latest upgraded features and market demand. Minimum age to avail this offer for both individuals and businessmen should be 20 years and maximum age should not cross over 60 and 65 years, respectively. Laptops are available at easy monthly installments of as low as Rs 2,750/- ELIGIBILITY CRITERIA ( BUSINEESMEN SELF EMPLOYED) |   | |Citizenship |Pakistani, Adult, Permanent resident | |   |   | |   |   | |Age |Minimum 20,   Maximum 65   at maturity | |   |   | |   |   | |Income (PKR) |PKR 40,000/- | |   | | |   |   | |Personal Reference |Two personal references (one relative and other office | |   |colleague/friend) not living with the customer. | |   | |   |   | |Employment Business  Tenure |Minimum 2 years in same business | |   |(Business tenure to be verified via Bank Certificate, NTN | | |Certificate, Tax returns, Proprietorship letter, Registered | | |Partnership deed etc) | | |   | SALARIED Citizenship |   | |   |Pakistani, Adult, Permanent resident | | |   | |   |   | |Age |Minimum 20, Maximum 60 (Salaried) at maturity | |   |(Applicant maturity date of facility shall not exceed the da te of| | |retirement. ) | |   | |   |   | |Income (PKR) |PKR 25,000/- (Gross Salary) | |   |   | |   |   | |Personal Reference |Two personal references (one relative and other office | |   |colleague/friend) not living with the customer. | |   | |   |Permanent job with minimum 1 year continuous working history in | |Employment Business  Tenure |same industry. | |   |Direct company contract valid till maturity date of financing | | |(Total 1 year previous working experience is mandatory). | MEEZAN LABBAIK UMRAH Labbaik Travel Saving Aasaan Labbaik Travel Aasaan Labbaik Travel Aasaan is a completely Halal Riba Free Travel Solution. | | |Key Features | |Completely Halal Shari’ah Approved. |Renowned Travel Agent’s on Meezan Banks panel | |Umrah  Packages for different durations facilities are available | |Complete Visa Processing and Umrah Package Arrangements by selected agent. | |Confirmed return airline tickets | Labbaik Saving Aa saan Account On agreeing to become a Labbaik Saving Aasaan Account holder, you will enter into the relationship of Mudarabah with the Bank. Under this relationship, you will be the Investor (or Rab-ul- Maal) and the Bank will be the Manager (or Mudarib) of the funds deposited by you in the Deposit pool. These funds will be utilized by the Bank to provide financing to customers under Islamic modes of financing, including but not limited to Murabaha, Ijarah, Istisna and Diminishing Musharakah. Meezan  Labbaik Saving Account can be opened by Individuals, Sole-Proprietorships, Partnerships and Limited Companies. Key Features Meezan Labbaik Savings Aasaan provides a number of features including: Available for individuals, where customers can open a single / joint account with family members Labbaik Saving Plan is available for six (06) months to twenty (20) years Labbaik Saving Account is a Pak Rupee account It will be a Recurring Deposit Account, where customers will deposit monthly contribution as per the deposit schedule plan Labbaik Saving Account is a non-chequing account, where no cheque book or VISA Debit Card will be issued Apart from regular monthly deposit contribution customers can deposit additional amounts in order to complete the deposit amount and make the make the desired journey earlier than initially scheduled After completion of the desired deposit amount, customers will have a right to travel with Meezan Bank or redeem his funds to go with an alternate company or utilize the funds for alternate purposes No pre-mature withdrawal schedule will be applied Customers may redeem 50% of the contribution as per defined procedure, one-time in the entire deposit tenure. Functional Departments Of Meezan Bank Sales Credit Inniation (CIU) Risk Management (RMU) Credit Administration (CAD) Collection Recovery 1-SALES Sales is the most important and fundamental function of Revenue generation. They approach the customers through, ? Direct Sales ? Dealers reference ? Branch Customers ? Branch Coordinators ? Telemarketing Functions Of Sales Department Create marketing strategies to achieve sales targets of a bank. Implement best practices to meet customers needs and requirements. Implement best practices to meet customers needs and requirements. Initiate customer retention strategies and build new customers Lead, direct and mentor sales and marketing teams to achieve hundred percent outcome. Initiate campaign strategies for bank products and services Resolve customer needs. Understand customer financial needs and objectives. Recommend appropriate financial product or service to the customer. Assist and support bank management in delivering cust omer services Prepare sales and marketing statements and reports for the top management of the bank. 2-CREDIT INNIATION UNIT It is obvious that  every bank must have an independent department that deals with the credit function. Department in a bank that evaluates the financial condition of credit applicants and maintains a log of loan payments on currently outstanding loans. Credit information is gathered on a confidential basis and stored for future reference. The credit department also responds to requests by other lenders for credit information on a particular borrower CIU makes the case, Reveiw the case, Assess the potentials of the client to repay the assets value, check the opinions and worth of the compamy. 3-RISK MANAGEMENT UNIT MEEZAN BANK’S risk management policy rests on its sound and Islamic bank management culture and complies largely with international Islamic Banking standards, management requirements, corporate governance principles and carries with it the highest ethical values from within the banking profession. The Organizational Structure of the Risk Management Group. The bank has set in place an independent risk management function within The Risk Management department, covering all risks: market, credit and operational risk. The Head of Risk Management reports to the Audit Committee, whose members are chosen among the Board of Directors. The Board of Directors formally approves overall risk management strategies and the direction of business. The Board regularly monitors the banks financial performance, reviews and controls risk management activities and bears the final responsibility of approving the banks risk appetite. Risk Management Department is the center of performing this function. This department reports to the Bank’s Risk Committee, The Head of Risk Management Group. 4-CREDIT ADMINISTRATION DEPARTMENT Leads centralized credit administration and control department whose function is to provide a uniform and efficient credit administration and control service encompassing completion of security/transaction documentation formalities, safe custody function, MIS development for monitoring of banks exposure from different risk angles to ensure that a high level of credit administration support is provided to the bank’s business units to protect banks risk assets. ? Reveiw the case ? Makes observation ? Disburse The Case ? Generate Installements ? Prepare Legal doucuments Agreements Principal Duties Responsibilities: ? Manage the Documentation and Limits Control Units Prepare accurate documentation of credit facilities to ensure that the same is legally enforceable without lacunas. ? Review security/transaction documents with a view to make it convenient for customers without compromising banks interest. ? Manage effective and efficient safe custody of original security/transacti on documentation and title deeds etc belonging to clients/third parties. ? To ensure that safe custody procedures are meticulously implemented. ? Ensure credit documentation deferrals are effectively followed up with Business Units for perfection within the time allowed. ? Arrange the valuations, from bank’s approved evaluators, of real estates held as collateral in line with Credit Risk Policy. Maintain marked to the market valuation for shares, mutual funds and other marketable securities and advise to business units where and violation of Approval of Finance / Credit Risk Policy occurred. ? To follow up with Business Units for early execution of documentation by clients. ? Immediate and accurate feeding of limits into the system once security documentation is completed by the client. ? Ensure least Turn Around Time (TAT) in line with SLAs with business units. ? Generate / Maintain MIS to monitor the portfolio and to prompt Business Units for timely completion of annual rev iews by providing necessary reports regarding expiring/expired facilities. ? Prepare weekly/monthly Exceptions Report   and circulate daily Overdrawn / Excess Over Limits report to the senior management and business units. Upload the accurate data as per the requirements of regulator. ? Managing and guiding team to execute above responsibility and help in their professional development. ? Managing specific tasks / projects assigned by the CRO from time to time in relation to Credit Administration Control. 5-COLLECTION RECOVERY DEPARTMENT (To Save The Bank’s Assets) The Recovery Collection function is an important component of any Bank’s business operations. The key is knowing when and how to accomplish the sale safely. The key is to  find the best way to minimize the risk of late payment or non-payment by customers. The core activities of the collection department include: Accelerating cash flow Minimizing bad debt losses Reviewing and approving new accounts Developing and updating  credit and collection policies Managing the collection function Maintaining current information in the credit file on each active customer Researching and resolving disputes and deductions that would otherwise delay or prevent payment of accounts receivable Communicating with other departments within the Bank. Safeguarding the companys investment in accounts receivable BUCKETS SMS ALERTS FRONTEND MID RANGE HAND COURT NON PERFORMING LOAN SMS ELERTS Before due date Sms are sent to the customers. FRONTEND One day past, the payment become Overdue. Frontend is the period from 1 to 29 days. An INTIMATION LETTER is sent to the customer by the bank as a soft reminder and Calls are made. MID RANGE / HARD COURT When overdues are not cleared by the customer within 29 days, Customer entered into 30+ DPD ( Day Past Due) Mid range is the period of 30 days to 59 days. REMINDER LETTER is sent to Customer. Home Visits are made. Tone is changed from soft reminders to aggressive one. NON PERFOMING LOAN 60+ DPD, 60 to 89 days of due payments are called Non Performing Loans. LEGAL NOTICE sent the customer with the time frame of 15 days to settle the payments. After that time limit, bank have the right to Repossess the vehicle. In case of reposession, Bank take the services of Agencies as 3rd party, after reposession Vchile is parked to the warehouse and FINAL LETTER is sent by bank to the customer. In which Total Amount including total purchase price, Over due Rentals, Surcharge amount, Valuation, legal, Parking and deduction of Security Deposit is mentioned. Where customer is offered to settle the account. But if customer fails to settle his account then Banks has options to sell or Auction the vehicle. A file is maintianed, called Repo File. It consists of Reminder Letter Copy Of Legal Notice Lease Agreement Copy Complete Exise File Copy Of Customer’s CNIC Application Form Coppy RECOVERY After 90 days customer entered into 90+ DPD. And Non preforming Loan shifted to Recovery.

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