Does Animal Farm fit the definition of a fable Essay Example

Does Animal Farm fit the definition of a fable Paper A fable is a story with animal characters which teaches a lesson or has a moral. The animals speak like humans and normally have a specific quality, such as the slow tortoise and the speedy hare. A famous fable writer was Aesop. Characters do not develop much in the story and humour is often used. Fables are made-up stories but often make important points about real life. The fable (In Greek language Muzos which you can literally translate as myth) has its own evolution over time, according to the development of the people expressing it and their culture. Animal Farm is written by George Orwell. The animals of Manor Farm overthrow their human master and look forward to a new way of living, one with peace and freedom, but when the pigs of the farm take control of Animal Farm, they create havoc and all animals are soon back to their old ways and conditions of starvation, overwork and intimidation. The animals have not succeeded in their desire to be equal. This is shown when Benjamin reads out on a wall, All animals are equal but some animals are more equal than others. This story fulfils many of the characteristics of a fable. The characters do show many human strong points and also display human weaknesses and faults such as greed, pride and vanity. This case can be seen in two pigs who personify greediness physically and mentally; particularly physically when Squealer promotes that they keep all the milk and apples because it is necessary for pigs to have foods like this in their diet in order to give them the strength to lead effectively. Sycophancy is shown by Boxer when he says If Comrade Napoleon says it, it is right and Napoleon is always right. We will write a custom essay sample on Does Animal Farm fit the definition of a fable specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Does Animal Farm fit the definition of a fable specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Does Animal Farm fit the definition of a fable specifically for you FOR ONLY $16.38 $13.9/page Hire Writer When all the animals were learning to read they couldnt remember all seven commandments and Snowball narrowed it down to one commandment which was Four legs good, two legs bad. The sheep, especially, really believed this commandment and chanted it through the farm repeatedly. This illustrates another of the human faults often shown in a fable; that of gullibility. The weakness of vanity is also exposed in the second chapter when Molly the pony takes a piece of ribbon from Mrs Jones dressing table and was holding it against herself and admiring herself in the glass in a very foolish manner Animal Farm also relates to a fable for it does express a moral message and the story is trying to communicate a lesson. It suggests that war is not the answer and that having power can change everything, and can affect people in negative ways. At dark times of the story they use humour, which is often used in fables, such as when the assassination of a traitor ram is described. He is chased round a bonfire when he has a cough! The story is suitable for children as it has a fun, fairy tale element and uses understandable vocabulary. Most of the characters in the story we know very little about as individuals. Many are just grouped by their species, such as the pigs and hens but others have names and are more developed in the chapters. Napoleons motives are explored and he shows his evil side when Snowball is chased off the farm, and Boxer evokes the readers sympathy when he gets hurt, as we have come to appreciate his straight-forward and honest character which the author has developed through the story. Unlike most fables, Animal Farm does not quote a moral at the end of the story, which makes it hard for the reader to realise it is a fable and that there is a message behind it. After reading the story, which is also quite different from a traditional fable because of its length, the reader is left to figure out what the lesson is and what good human points and bad human points are being expressed. In conclusion, Animal Farm is a fable but has its own subtle elements. I think that making the story longer than any other fable creates drama and makes the reader think hard about whether it is a fable, has a moral or is trying to send a message about what happens in everyday life.

6 signs your job is ruining your mental health

6 signs your job is ruining your mental health First and foremost, most of us go to work to make money. Ideally, on top of that, you like what you do. On top of that, there may even be social benefits to going to work every day if you also enjoy being around your co-workers. If your job checks all of those boxes, great! If it even checks just one, you might be doing all right. But if you can’t think of  one positive  thing about your current situation, you might need to make changes. Work should not be a place that makes you feel terrible- all the time. Yet this is what happens to many people who must endure toxic work situations that are damaging them mentally. If this is happening to you, it is time to find a new job or make strides toward a new situation. Here are six warning signs that it’s time to make a change. 1. You can’t bring yourself to go to workWhen you wake up in the morning, do you feel as though your limbs weigh 1,000 pounds and you simply cannot pull them out of bed? Does the idea of step ping foot in your office fill you with crushing anxiety, EVERY single day? Do you take days off simply because you can’t bring yourself to go into work? These are all great, big, flashing warning signals that something is terribly wrong at work, and it’s wreaking havoc with your mental health. Sure, for most people it’s not common to bound out of bed with a huge smile on your face ready to take on the day (how lucky if that’s the case!), but if work dread plagues you every morning, that’s not the norm.2. You can never really leave workIf you have no chance to get out of a non-work mindset, you’re not living a balanced life. When you’re home with family or friends, do you still have your phone connected to work email and attached to your palm so you can deal with clients or co-workers? Are you always on call? Do you not even get to take a break when you’re in the office to go for a 15-minute walk to get some lunch or a breath of fresh air? If so, that is not a healthy way to live your life, and you probably need to make some radical changes. Everyone deserves time off, no matter what you do for a living.3. You don’t want to socialize at workFrom Monday through Friday, the average adult spends half of his or her waking life at work, so it is vital to get along with the people you spend time around all week, even just on a cordial level. But if things are bad at work, the idea of talking to or even looking at your co-workers may make you feel sick to your stomach. That is not a good thing, and a very clear indicator that your job is making you deeply unhappy.4. You’re overlooked and ignoredSome people prefer to go under the radar at work, but there is a real downside to always being overlooked or ignored: you don’t get the accolades for a job well done that you deserve, and you might even get passed over when it comes time to receive raises or promotions. Chronically overlooked employees may start to feel like they don’t even exist, which can put them into an extremely unhealthy frame of mind. No one wants to feel as if they don’t matter.5. Your job fills you with guiltSometimes we don’t think about the consequences of a particular job when first accepting it†¦ we just need to work, whatever that may be.  But if you are working for a company that commits the unconscionable- environmental damage; human rights violations; misogynistic, homophobic, or racist practices; selling unsafe products; treating workers like sub-humans; supporting immoral or unethical ideologies; lying to the public- simply going to work may fill you with an awful sense of guilt. If that’s the case, it may be time to find another opportunity. We all need to pay the bills, but you’ll want to remain true to your morals if what your company does is negatively affecting your state of mind. If you can’t look yourself in the mirror, your mental health will suffer.6. Your personal life is sufferingA miserable job may make you feel miserable during work hours. A completely unacceptable one will leak into your personal hours. You might get testy with your spouse or kids at home. You might never be in the mood for intimacy. You might spend all your free time sleeping, crying, sulking, or simply thinking about work. If you feel terrible at all times because of your job, there is no question that your job is ruining your mental health and you need to take some positive action.

Germany's Holocaust Memorial Term Paper Example | Topics and Well Written Essays - 250 words

Germany's Holocaust Memorial - Term Paper Example (BBC News). One of the controversies that dog the memorial is the criticism that it exclusively commemorates only the extermination of Jews, disregarding the countless other victims of Nazi oppression, including homosexuals and gypsies. A later monument to Nazi homosexual victims stands opposite the Jewish memorial. The visitors’ information center constructed under the stele is a compromise against the criticism that the entire implications of Holocaust and its history are not appropriately represented by the public sculpture aboveground. The information center ensures that the memorial combines the aims of memory and pedagogy. The accusation of unjust exclusivity also dogs the United States’ Holocaust Memorial Museum in Washington D.C. in the context of the absence of national memorials to the victims of slavery or the genocide of the Indians. While the unmatched horror of the Holocaust cannot be denied, I believe that slavery and the massacre of the Indians are ethnic events which require commemoration in the nation of their occurrence. In my opinion, memorials to such atrocities serve a vital need in society. They are not just contemporary symbols of regret for the horrors of the past, but serve as documentations of history, and living gate-keepers to the conscience of the

Performance and Culture - Post Modernism Essay Example | Topics and Well Written Essays - 2500 words

Performance and Culture - Post Modernism - Essay Example Though postmodernism still has the potential to be an effective liberating space for the subjugated, it is seldom used for this end (McGuigan 98). One key aspect of the visual aesthetic of the black community is that of the body. The notions surrounding black hair and its style provide us a contextual framework for analyzing its relation to modernity and postmodernity. One of the mechanisms of modernism is to find an absolute "essence" of its subject, denying all the other experiences that make up a community in the margin (Hutcheon). Within and outside their community, essentialist arguments have been used to fit the entire community in the margin into easy categories. For instance, the natural texture of African-American hair has been used as one of the key visual elements in a system of ethnic signifiers. The first essentialist construction of black hair meant that it was all of the things white hair was not. Instead of being judged for its own inherent qualities, black hair was portrayed to be not good, not beautiful, unmanageable and even uninteresting. As an ethnic signifier, its metonymic qualities were obvious - it als o became the construction of what whiteness was not. This first essentialist argument was not created by the black community, but it was internalized. It is still in use today by individuals inside and outside of the margin that comprises the black community (Hutcheon). This deficiency was addressed by the black power movement during the nineteen sixties, although the method employed was of the modernist tradition. It tried to redefine what â€Å"ideal† meant for those inside and outside the community. The myth of the superiority attached to straightened and processed hair was dismantled and a new signifiers for good black hair was projected – namely the Afros and Caribbean dreadlocks. This new essentialist construction of ideal black hair countered the former one, and thus is strongly tied to it. What resulted was a

main elements constituting a vaild contract

main elements constituting a vaild contract The word law has been given many definitions. The higher being is the state and the inferior being is the individual. The sanctions or punishments include imprisonment, fines, damages and injunctions. In our country Malaysia, Federal Constitution declares itself as the supreme law of the Federation. Hence, to put it modestly, law may be defined as a body of rules which are enforced by the state. Furthermore, law save from harm the basic individual rights and freedom such as liberty, equality and freedom of speech. It avoid individuals in powerful positions from taking an unreasonable advantage of other people and ensures a harmless and peaceful society, in which individual rights are conserved, law has develops as the norms and needs of society changes. Malaysia practices Parliamentary democracy with Constitutional Monarchy, wherein the Yang Di-Pertuan Agong (King) is the Paramount Ruler. The constitution of Malaysia divides the authority of the Federation into three branches, namely Legislative, Administrative or Executive and Judiciary. Definition for question 1 Contracts are not only applicable to business but are also part of our everyday life. A contract is made out of the simple act of purchasing a newspaper, using a credit card to buy a dress or paying a parking fee. Other contracts such as the sale and purchase of property are additional complex, requiring formal written documents. Law, is merely anxious with the fulfillment of certain conditions by the parties so that the transactions can be standard as legally binding agreement and enforceable. Section 2(h) of CA 1950 states that an agreement enforceable by law is a contract. The strongest contract, in terms of enforceability, has an offer, acceptance, consideration for the exchange, clearly sets out the terms of the agreement without doubt, and is signed by the involved parties with appropriate capacity to enter into the contract. Hence, a contract can be defined as an agreement the law between two or pre parties to do or to abstain from doing some act/acts, their intention being to create legal relation and not purely to exchange mutual promise to give something of value as consideration for any benefits derived form the agreement. Thus each of the parties to a contract wants or needs something the other party has in its power to give, and each of the parties is willing to give up something of in order to make safe what the other party has. Basic Elements of a Valid Contract an Overview From the definition above, it may be concluded that the basis of a contract is agreement between parties. As such, the existence of other elements is also required to allow an agreement to transform into a contract and make it enforceable in law. For a valid contract, the basic elements that need to exist are: Agreement (comprising offer and acceptance): The existence of an offer and an acceptance are a means of analyzing the process of negotiation to decide whether a contract has been made and if so, when it was made. Mutual assent of the parties is the basic of an agreement. Consideration: This is the value given by the parties for the promise that is being made. Usually consideration takes the form of money, property and services. Capacity: Only parties who have capacity are able to enter the intro a valid and enforceable contract. Persons who are under age of have serious mental disability do not have legal capacity to enter into contract. Consent: If the parties do not enter onto the agreement willingly, the agreement could be regarded as invalid. Genuine consent into a contract can be affected by a number of issues. For examples, during the contractual negotiations, there may have been: Undue influence Mistake as to the terms and identify of the person Misrepresentation Unconscionable conduct Duress or coercion. Certainty: All the terms of a contract should be clear and precise such that the parties know that they are agreeing to. Legality: any agreement to violate the law or any agreement forbidden by law is void. Contracts are illegal for two reasons: firstly, because their object is illegal: secondly, because although the object is perfectly legal, the manner of making it is against the law. Figure of basic elements of a valid contract: Formation of a contract Certainty Legality Consent Intention to create legal relations Capacity Consideration Agreement Offer Acceptance Agreement, the parties must agree on the rights and obligation to be created under the contract. Agreement that is reached through a process of offer and acceptance is a primary part of any contact because it requires consents ad idem, the meeting of the minds of the parties ingoing into the contract. For example the model case was Affin Credit (Malaysia) Sdn Bhd v Yap Yuen Fui (1984), the Federal Court held that where there was no offer and acceptance, the purported hire-purchased agreement was declare void ab initio, and the agreement was void from the beginning. Thus it can be seen that agreement forms the basic of contract if there is no valid agreement to begin with, there can no be no valid contract at all. It is important that an agreement determine a contractual relationship, which means that it is essential for the parties to be able to define when an offer has been made and when the offer has been accepted. Offer proposal, also under the agreement, the person making the of fer or proposal is called the promisor or offeror. The person to whom the proposal or offer is being made to is recognized as the promisee or offeree. If this person accepts the offer, then he is also called the acceptor. An offer is referred to in s 2(a) of CA 1950 as a proposal which is made when one person signifies to another his willingness to do or abstain from doing anything, with a view to obtaining the assent of that other to such act or abstinence. Acceptance, for a contract to be valid, there must be a proper acceptance by the offeree. Section 2(b) of CA 1950 provides that when by offeree signifies his assent to the offer, the offer is said to be accepted. Rules of a valid acceptance, if the acceptance of any promise is made in words, the promise is said to be express, and if the acceptance is made other than in words, the promise is said to be implied: s 9, CA 1950. Intention to create legal relations, an agreement reached between an offeror and an offeree will be a legally binding contract only if the parties intended that they should be legally bound. The parties intention to be bound can be specifically stated or be implied from their actions. Where intention is expressly stated, the courts would not impure otherwise unless there is strong evidence to prove the contrary. In social and domestic agreements between family and friends, there is a presumption that these agreements are not meant to be legally binding unless the contrary can be proven. In Balfour v Balfour (1919), the husband went to work in Ceylon and agreed to pay his wife 30 per month. He didnt pay the money and the wife sued. It was held that there was no contract because the parties didnt intend to create a legal relationship. In business and commercial agreements, which are more formal in nature; there is presumption that there is intention to create legal relations. Also, the intention to exclude legal consequences must be see out clearly in unambiguous words. The onus of proof is on the party who alleges that no legal effect is intended. Edwardss v Skyways (1964), the plaintiff who was a pilot was made redundant by the defendant. Ha had been informed by his pilots association that he would be given an ex gratia payment. The defendant failed to pay to pilot sued. The defendant argued that use of the words ex gratia. The court held that this agreement related to business matters and was presumed to be binding and the defendants had failed to rebut this presumption. Capacity to contract, in order to have a valid contract all parties to a contract must have capacity to enter into a contract. Capacity refers to the legal ability to go through into a contract and the law generally assumes that everyone has capacity to contract except certain categories of persons. Section 11 of CA 1950 presents that every person is competent to contract who are of the age of majority according to the law to which he is subject, of sound mind and not disqualified from contracting by any law to which he is subject. Certainty, agreements that are not certain in meaning or which the meaning is not capable of being made certain are void; s 30, CA 1950. The terms of an agreement ought to obvious, precise and certain. It cannot be vague. An agreement which is ambiguous and uncertain is not capable of being accepted as a valid contract. In Karuppan Chetty v Suah Thiam (1916), the contract was declared void as the phrase to last for last long as he likes carries uncertain definition. Legality, even where all the requirements of a valid contract discussed above the present, a contract may be illegal and thus unenforceable. Section 24 of CA 1950 further provides that the following consideration and objects are unlawful such as, it is forbidden by law and nature as to beat any law. In addition, it is fraudulent and involves or implies injury to person or property of another and the court regards it as dishonest, or opposed to public policy. Such agreements might be regarded as void. Consent, although all the elements of formation may be present rendering the contact valid, in certain circumstances if genuine consent is nit obtained, and then there can be no agreement and no contract between the parties. Even if consent is given, it may not have been freely given. Section 14 of CA 1950 states that consent is no free when it is result of coercion, undue influence, fraud, misrepresentation, and mistake. Conclusion: In this subject, I had learned a lot of legal things. At the end of this question, I had been search out to identify the essential elements required to figure a simple and valid contract, and the factors that can influence its validity and how to recognized when agreements has been legally binding. Its very effective for our future when we had starts a business. Definition of question 2 Remedies that are existed for breach of contract would depend on the gravity of the effect and impact of the breach. The types of remedies that are available are such as rescission of contract, the contract is annulled and both sides are excused form further performance and any money advanced is returned. Secondly is the damages, an equitable quantum of money is paid to the plaintiff to compensate for any loss. Thirdly goes to specific performance, a court order requiring performance exactly as specified in the contract. This remedy is unusual, except in real estate transactions and other unique property, as the courts do not want to get elaborate with monitoring performance. As a final point, injunction is a court order directing one party to perform or to refrain doing a certain act. It is used more than ever in situations where a monetary award for damages would not satisfy a plaintiffs claim or would not protect personal or property right from irreparable harm. A remedy is very i mportant and critical in the legal relations. Remedies What are remedies? Remedies are when a party to a contract unjustifiably fails to declines to perform his part of the contract; the other party has a right of legal action. The methods which are given by the law to an innocent party by which he may enforce a right or redress an injury are called remedies. Remedies that are available for breach of contract would depend on the consequence and impact of the breach. Probable remedies are such as rescission of contract, damages, specific performance, and injunction. Equitable remedies are generally remedies other than the payment of damages. This would include such remedies as obtaining an injunction, or requiring specific performance a contract. To begin with rescission of contract, on a breach of a condition of a contract, the injured party may treat the contract as at an end (or rescinded) and refused to perform or implement his part of the contract. When one party to a contract has refused to perform, or disabled himself from performing his promise in its entirety, the promisee may put an end to the contract, unless he has signified, by words or conduct, his acquiescence in its continuance; s 40, CA 1950. A person who rightly rescinds a contract is also entitled to damages under s 76, CA 1950. Next, are damages? Section 76 of CA 1950 provides that the injured party or the party that has suffered loss has a right to compensation for the loss or damaged suffered, payable to the breach of contract and the aim of damages is to put the innocent party into a position he would have been, had the contract been performed. Such as compensatory or ordinary damages, these are damages that are given to be party who has suffered loss caused by the breach of contract. The general position with regard to damages for breach of contract is that damages may be improved as long as they are not too remote. In the other words, damages might only be recovered in the relevant losses for example arise naturally as a result of the breach or dont take place naturally but are losses which are parties knew, at the time they made the contract, would be probable result of the breach. This principle stems form the decision in Hedley v Baxendale (1854) and is also provided in s 74(1) of CA 1950. How many kind of damages that under damaged? For example, exemplary damages, liquidated damages, and nominal damages, and so on. Start with the exemplary damages, these damages are damages that required and/or awarded by the court when the defendants willful acts were malicious, violent, oppressive, fraudulent, wanton, or grossly reckless. These damages are awarded both as a punishment and to set a public example. Although often requested, exemplary damages are infrequently awarded. Next to liquidated damages, liquidated damages are monetary compensation whose amount the parties agree upon during the formation of a contract for the injured party to pull together as compensation if a specific breach occurs. Damages can be liquidated in a contract only if the injury is either uncertain or difficult to quantity, or it would be difficult to prove the loss, or it would be difficult to find another adequate remedy. Hence, the amount is reasonable and is considered the actual or anticipated harm ca used by the contract breach, and the damages are structured to function as damages, not as a penalty. Hence, of the above criteria are not met, a liquidated damages clause will be void. After that is turned to nominal damages. Nominal damages are damages which consist of a small amount of cash payment which the court orders to paid to the plaintiff who has suffered to quantifiable pecuniary loss. The award serves as a token of honor to the rights of the plaintiff. Nominal damages is habitually sought to obtain to legal record of who was at fault. Specific performance, specific performance is an equitable remedy. It is a specialized remedy used by the courts when no other remedy (such as money) will adequately compensate the injured party. In addition, specific performance is not a typical remedy. If a legal remedy will put the injured party in the position he would have enjoyed had the contract been fully performed, then the court will use that opportunity to instead. The most common courts grant specific performance is that the subject of the contract is exclusive. For example, Donald offers to sell Belle his beachfront house and Belle accepts. Donald subsequently decides to keep the house. Since there is no other house exactly like Donalds house, Belle may be entitled to specific performance of the contract and the court may compel Donald to sell the house. Some more, specific performance is governed by the Specific Relief Act 1950. Section 11 of Specific Relief Act 1950 provides the circumstances when a court may grant spe cific performance: Where the act agreed to be done is in performance, wholly or partly, of a trust. These exists no standard for ascertaining the actual damage caused by non performance of the act agreed to be done. Where pecuniary performance is an inadequate relief. Where pecuniary relief cannot be obtained for the breach. Sections 20 and 21 of Specific Relief Act 1950 state that specific performance cannot be granted where damages are granted, the terms of the contract are uncertain, there is evidence of fraud and the performance of the contract would involve hardship on the defendant. Injunction, an injunction is an order of the court restraining a person from doing a specific act in the future. It is granted only when it is just and equitable to do so having regard to all the circumstances of the case. Specific relief Act 1950, section 50 of Specific Relief Act 1950 provides that it is a preventive relief granted at the discretion of the courts. In respect of contracts, an injunction may be sought to prevent a party from committing a breach of contract. For example, the court may order that a seller be restrained from selling land to anyone else when the seller has contracted to sell that land to the plaintiff. A court may award damages to an injured party either in addition to, or in substitution for, an order of injunction. Quantum meruit, quantum meruit determines the amount to be paid for services, when no contract exists (a doctor giving emergency aid), or where the parties to a contract have failed to agree on a price, and so on. If there is an existing contract for a stipulated amount and the mode of compensation for services, the plaintiff cannot abandon the contract and resort to an action for quantum meruit. For example, if a person sues for payment for services in such circumstances, the court will calculate the amount due based on time and usual rate of pay or the customary charge, based on quantum meruit by implying a contract existed. Conclusion: For the end of this question, I had learned about the significant and important of the remedies in the legal relations. In this question, I can find out and understand the exchange of benefits and obligations between the parties, which makes the agreement enforceable. Furthermore, students also can consider and evaluate the factors that influence the availability of compensation for losses suffered from breach of contractual obligations and identify the described remedies other than damages which may be available to the victims of a breach of contract.

Fsibl

Introduction Islamic Banking in Bangladesh There are currently seven commercial banks operating under Islamic principles. They are: 1. Islami Bank Bangladesh Limited, 2. Al-Arafah Bank Ltd. 3. Social Investment Bank Ltd, 4. Exim Bank Ltd, 5. Shahjalal Islami Bank Ltd. 6. Icb Islamic Bank Ltd 7. First security Islami Bank Ltd. HISTORICAL BACKGROUND First Security Islami Bank Limited (FSIBL) was incorporated in Bangladesh on 29 August 1999as a banking company under Companies Act 1994 to carry on banking business.It obtained  permission  from Bangladesh Bank  on 22  September 1999  to commence its  business. The  Bank  carries banking activities through its Fifty Three (53) branches in the country. The commercial  banking activities of the bank encompass a wide range of services including accepting deposits,making  loans,  discounting bills, conducting  money transfer  and  foreign  exchange  transactions,and  performing other related services such  a s safe  keeping,  collections  and  issuing  guarantees,acceptances and letter of credit. At the beginning, FSIBL started their business with traditional commercial banking services.However, from 2008 they converted their business to Islamic Banking with Islamic Shariah Act. The FSIBL has played a pioneering role in shaping the future of the Banking industry inBangladesh since its inception. The Bank started in 1999 with 14 branches and now it has 53  branches in Bangladesh and recently the bank introduce an Exchange House in Canada. The Bank also maintains a comprehensive correspondent relationship with top ranking banks. FSIBL has already started their on-line, SMS and ATM banking facilities for their clients. 2. 2 Vision of the Bank Wherever you are, you can Bank with us† is the motto of  First Security Islami Bank. FSIBL is  prepared to meet the challenge of the 21st century well ahead of time. To cope with the challengeof the new millennium it hired experi enced and well-reputed banker of the country from theinception. The  bank  has  efficient  and  dedicated  professional  and  equipped  with  modemtechnology to provide the best service in the need of the people and thus to realize its vision. Sothe Bank defamed its Vision: ‘to be the most efficient Islamic Bank in terms of customer service  profitability and technology application’Mission To develop & deliver the most innovative products, manage customer experience, deliver qualityservices that contributes to brand strength, establishes a competitive advantage and enhances  profitability, thus providing value to the stakeholders of the bank   2. 4 Goal of the bank To  exceed customer expectations through  innovative Islamic financial products &  services  andestablish a strong presence to recognize shareholder’s expectation and optimize their rewardsthrough dedicated work force. . 5 Special Features of FSIBL †¢ All activiti es of FSIBL are conducted under a profit/loss based system according toIslamic Shariah to get the nation rid of Usury. †¢ Its investment policies under different modes are fully Shariah compliant and wellmonitored by the board of Shariah Council. †¢ FSIBL  has  included  online  banking  in  its wide  range  of  services. Bangladeshisoftware has been introduced in this feature to  promote the local developers. †¢ FSIBL regularly arranges its AGMs (Annual General Meeting).Whenever neededEGMs (Extraordinary General Meeting) are also arranged. †¢ They believe in providing dedicated services to the clients imbued with Islamic spiritof brotherhood, peace and  fraternity. †¢ The bank is committed towards establishing a welfare-oriented banking system tomeet the needs of low income and underprivileged class of people. †¢ The Bank upholds the Islamic values of establishment of a justified economic systemthrough social emancipation and equi table  distribution of wealth. †¢Following  the  Islamic  traditions,  it  is  assisting  in  the  economic  progress  of  thesocially  deprived  people;  in  the  creation  of  employment  opportunities  and  in  promotion of rural areas to ensure a balance development of the country. 2. 6 FSIBL’s Inter Division and  Branch Coordination All  the  53  branches  are  computerized  under  distributed  server  environment. Another  few  branches are  planning  to open  in near  future. FSIBL has  already started their on-line, SMS andATM banking facilities for their clients.FSIBL  have  set  up  Wide  Area  Network  through  Radio,  Fiber-Optics  &  other  availablecommunication media systems to provide any branch banking to their customers. Customer of  one  branch  is  now  able  to  deposit  and  withdraw  money  at  any  of  our  branch es. 2. 7 Online Banking FSIBL  Online  banking  application  addresses  the  needs  of  small,  individual  and  corporateaccount  holders  of  the  bank. This  application  provides  a  comprehensive  range  of  bankingservices that enable the customer to meet most of their banking requirements over the Net at any  branch. . 8 SMS Banking SMS banking  is a  technology-enabled  service  offering from  banks to  its customers,  permittingthem to operate selected banking services over their mobile phones using SMS messaging. FirstSecurity Islami Bank Ltd. has officially launched SMS banking service from December 17,2007. 2. 9 Merchant Banking FSIBL’s Merchant Banking Group is strongly positioned to offer perfect financial solutions itsclient’s business. They specialize in the arrangement of various forms of Foreign CurrencyCredits for Corporate.FSIBL provide the resources, convenience and services to meet its cl ients’needs by arranging Foreign Currency credits through:†¢ Commercial loans†¢ Syndicated loans   Lines of Credit from Foreign Banks and  Financial Institutions†¢ FCNR loans†¢ Loans from Export Credit Agencies†¢ Financing of Imports. 2. 10 Product and Services In the memorandum and articles of association of the First Security Islami Bank is revised itsarea of operation is clearly written. The product of FSIBL is targeted to fulfill that aim.The  product and services that are currently available are given below: †¢ Depository Products First Security Islami Bank is now offering 09 depository products for mobilizing the savings of  the general people. There are also emphasizing on non-fund business and fee based income. Bid  bond/ bid security can be issued at our customer's request. FSIBL is posed to extend L/C facilities to its importers / exporters through establishment of  correspondent relations and Nostro Accounts with leading ba nks all over the world. †¢ Loan ProductsFirst Security Islami Bank offers a wide range of loan and advance product to the client for  financing different purpose that fulfill the requirements of the bank and have good return to theinvestment as well as satisfy the client. †¢ Other Product and Services The bank has its concentration for new product and services development for satisfying itscustomer and increasing its customer base. They prefer now faster service with least cost. For  delivering faster service the bank has introduced online banking service. There are other productsand services that FSIBL has introduced.They are: * Online Banking Services * Locker Services * Utility Bills * ATM services FLUCTUATION OF SHARE PRICE (ONE YEAR) BALANCE SHEET ANALYSYS 3. 1. 5 Types of Investment Facilities The Bank’s Policy is to introduce diversified / new types of Products / Product derivativesalong with usual Banking Products. At present the Bank offers the followin g facilities: i. Investment  / Deployment of Funds: a. Bai-Murabaha  (Deferred  Lump  Sum/  Installment Sale)  b. Bai-Muajjal  (Deferred  Installment /  Lump  Sum  Sale)c. Ijara (Leasing)d. Musharaka (Joint-Venture Profit-Sharing)e.Mudaraba (Trustee Profit-Sharing)f. Bai-Salam  (Advance  Sale and  Purchase)g. Hire-Purchaseh. Direct Investmentsi. Post  Import  Investment  j. Purchase  and  Negotiation of Export Billsk. Inland Bills  Purchasedl. Murabaha  Import  Billsm. Bai-Muajjal Import Billsn. Pre Shipment Investmento. Quard-ul-Hasan (Benevolent Investment) KYC Concept The Investment Officers/RM must know their customers and conduct due diligence onnew borrowers, principals and guarantors to ensure such parties are in fact who theyrepresent themselves to be i. e. , Know  Your Customer (KYC).The Banker – Customer relationship would be established first through opening of CD/STD / SB accounts. Proper introduction, photographs of t he account holders / signatories,  passport,  Trade  License,  Memorandum  and  Articles  of  the  Company,  certificate  of  incorporation, certificate of commencement of business, List of Directors, resolution, etc. i. e. all the required papers as per Bank’s policy and regulatory requirements are to beobtained at the time of opening of the account. A declaration regarding approximatetransaction to the account is to be obtained during opening of account.Informationregarding  business  pattern,  nature  of  business,  volume  of  business  etc. is  to  beascertained. Any suspicious transaction must be timely addressed and brought down tothe notice  of  the Head  Office /  Bangladesh Bank  as  required  and  also  appropriatecorrective measures to be taken as per the direction of Bank Management/BangladeshBank SWOT analysis Strength Diversified ownership pattern Strong market share Good Financial performance Good investment portfolio Comfortable Liquidity position Experienced management team Sound HR development programmes Improvement in automation Wide branch networkSignificant involvement in corporate social responsibility Weakness: Unmatched asset versus capital growth Limited delegation of power Limited modern customer service facilities Moderate recovery of rescheduled investments High large investment exposures Initial stage of system based internal control procedures Opportunities: Investment in SME and Agro based industry Real time online banking Credit card in dual currency Creation of Islamic Money market product Introduce above 5 years Islamic bond Threats: Market pressure for increasing the SLR Overall liquidity crisis in money marketGovernment pressure to reduce investment rate Increase the capital adequacy position Findings * Most of the costumers do not know the regulations of the investment modes. * Shortage of human resources in Investment Section. * Deposit schemes favorin g to the customers. * Senior level executives should be more cooperative with the subordinates. * Regarding security service of the bank, account opening and closing system, phone query, cash withdraw and deposit facility, credit profit rate, online banking, external and internal environment are satisfactory to the customers. Most of the customers are service holder and businessman; they like to come to FSIBL because near to residence / office / work place, better service, easier banking procedure. * Employees of the bank are more cooperative with the customers. * Employees of the bank have good knowledge to solve the queries of the customers. * According to the customers opinion more ATM booths needed to be setup in different places. According to the data analysis customers feeling about banking in FSIBL are very satisfied. Recommendations Different types of products and services are available in FSIBL but clients are not concerned about that so advertisement and promotional activi ties should be increased. * Increasing more deposit schemes under consumer banking. * Providing prompt service in account opening. * Now a day, the online banking service is very much popular in all over the world, so the bank should try to develop in this side. * FSIBL should increase Debit card ; credit card facilities. * SJIBL online service should be fast ; accurate. The website of SJIBL is not good enough; most of the pages are under construction. The page should be constructed as soon as possible. * Should increase the ATM Booths. * More manpower is required to run the business smoothly. * Employee trainings and workshops should be administered in order to give them knowledge and professionalism in customer interactions. They should be taught about how to deal with the problem of customers and problematic situations. * Physical and technological facilities should be increased in evaluating credit proposals. Experienced and expert personnel should be kept within the bank, which will lead to a quality selection of clients * SJIBL should more focus on customer needs. They need to concentrate more on their existing services and product innovation. * A yearly conference with the employees should be arranged where they will exchange their views with the management about different aspects. This will help to increase the efficiency of the employees. * Prompt service should be given to the customers. In this regard arranging job rotation regularly for employees to improve the skills in different types of service.This will increase the efficiency of the service. * More emphasis should be given on the customers’ complaint. * Informal training can be a way to improve the skills of the employee. Allocating job responsibility to the employees according to their profit. * Try to create a good image to customers through different promotional tools Conclusion First security Islami Bank Limited is one of the leading Islamic sharah based commercial bank in Banglades h. FSIBL is committed to provide excellent service to its valued customers. The management of FSIBL always gives special efforts to uphold the interest and trust of their customers.By providing excellence service and special effort First Security Islami Bank has placed itself to a strong position among all the banks. The main focus of FSIBL is to concentrate on the consumer demand, which differentiates FSIBL with other banks. FSIBL has been successfully created a brand image Islamic sharah based in the market and is maintaining a strong position in the market. But still it has some weakness, which can be easily overcome. FSIBL has much more potential to explore the existing market. So, to be the number one forever they have to be very perfect in their business.

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