Advantages Of Unit Banking Essay Example for Free

Advantages Of Unit Banking Essay ? 1.Local Development:Unit banking is localized banking. The unit bank has the specialised knowledge of the local problems and serves the requirements of the local people in a better manner than branch banking. The funds of the locality are utilised for the local development and are not transferred to other areas 2.Promotes Regional Balance:Under unit banking system, there is no transfer of resources from rural and backward areas to the big industrial commercial centres. This tends to reduce regional in balance. 3.Easy Management:The management and supervision of a unit bank is much easier and more effective than that under branch banking system. There are less chances of fraud and irregularities in the financial management of the unit banks. 4.Initiative in Banking Business:Unit banks have full knowledge of and greater involvement in the local problems. They are in a position to take initiative to tackle these problems through financial help. 5.No Monopolistic Tendencies:Unit banks are generally of small size. Thus, there is no possibility of generating monopolistic tendencies under unit banking system. 6.No Inefficient Branches:Under unit banking system, weak and inefficient branches are automatically eliminated. No protection is provided to such banks. 7.No diseconomies of Large Scale Operations:Unit banking is free from the diseconomies and problems of large-scale operations which are generally experienced by the branch banks. 8.Easy Management and Control:Under unit banking system, it becomes very easy for a single office to manage and control efficiently. 9.Close Management and Workers Relationship:Under unit banking system, there prevails a close and cordial relationship between employer and employees. 10.Quick Decision:The owners or the management of unit banks can take quick decision and prompt action in times of emergencies. 11.Use of Local Resources:Local financial resources are used for local development. 12.Lesser Fraud and Irregularities:Due to the less scattered affairs of the bank, there are very little possibilities of fraud and irregularities. 1.No. Distribution of Risks:Under unit banking, the bank operations are highly localised. Therefore, there is little possibility of distribution and diversification of risks in various areas and industries. 2.Inability to Face Crisis:Limited resources of the unit banks also restrict their ability  to face financial crisis. These banks are not in a position to stand a sudden rush of withdrawals. 3.No Banking Development in Backward Areas:Unit banks, because of their limits resources, cannot afford to open uneconomic banking business is smaller towns and rural area. As such, these area remain unbanked. 4.Lack of Specialization:Unit banks, because of their small size, are not able to introduce, and get advantages of, division of labor and specialization. Such banks cannot afford to employ highly trained and specialized staff. 5.Costly Remittance of Funds:A unit bank has no branches at other place. As a result, it has to depend upon the correspondent banks for transfer of funds which is very expensive. 6.Disparity in Interest Rates:Since easy and cheap movement of does not exist under the unit banking system, interest rates vary considerably at different places. 7.Local Pressures:Since unit banks are highly localised in their business, local pressures and interferences generally disrupt their normal functioning. 8.Undesirable Competition:Unit banks are independently run by different managements. This results in undesirable competition among different unit banks. 9.Limited Size of Operation:Unit bank business can not be operated on large scale because of its limited area. Being the small organisation, division of labour can not be applied. 10.No Economy of Reserves:Under unit banking, bank can not transfer its funds to any other branch. So economy in cash reserve can not be secured under this system. 11.Limited Financial Resources:A unit bank has limited financial resources so it is not able to provide full and adequate banking facilities to the industry and trade of the area. 12.Investment of Idle Funds:A unit bank having no other branches, can not utilize its idle funds in profitable ways. Advantages Of Unit Banking. (2016, Oct 19).

Health promotion Essay Example | Topics and Well Written Essays - 1000 words - 2

Health promotion - Essay Example Obesity in childhood, teenage and adults is considered an epidemic in the United States. The advancement in technology created rapid changes in the eating habits of individuals globally. However, as countries become more developed in terms of economic status, the greater the availability and affordability of innumerable choices of food that an individual can indulge in. The issue of addressing obesity has been specifically identified as a national agenda in Healthy People 2010. Obesity is defined as a chronic condition of excess fat accumulation in the body. (Medicine.Net, 2009, 1). Medically, obesity can be defined in relation to the body mass index (BMI). The body mass index â€Å"determines whether a person’s weight is appropriate for height by dividing the weight in kilograms by the height in meters squared.† (Delaune & Ladner, 2006, 1394) Using this index, obesity is then defined as a BMI of 30 and above. (Medicine.Net. 2009, 1) The primary causes of obesity are overeating and lack of physical activity. When a person takes in calories much more than what one burns, that persons gains weight. Excess energy is therefore stored as fat. If that person has no initiative at all to engage in any physical activity which would help him or her burn those excess calories, then, obesity sets in. Aside from overeating and lack physical activity, there are enormous factors which contribute to an individual’s being vulnerable to obesity. These are: genetics, composition of the diet, frequency of eating, slow metabolism, lack of exercise or physical activity, medications, psychological factors, and even certain diseases. With different researches undertaken to explore on the factors contributing to obesity, it is revealed in MedicineNet that ethnicity, childhood weight and hormones all have an effect in being obese. As a person gains weight and either consciously or unconsciously neglect any measures to prevent the continuous weight increase, that person increases

Historical Influence of Soccer in Africa Essay Example | Topics and Well Written Essays - 2750 words

Historical Influence of Soccer in Africa - Essay Example Football in Africa today is a game of skill, violence and ebullient spontaneity. The richness of the talent has not been watched by the administrative expertise to bring it to full fruition. Africa has to overcome poverty of natural resources but instead of falling into despair the young African children of Africa turn to soccer as their way out in some cases. will establish an instant connection. Soccer in Africa is followed passionately all over. One could easily establish when football is being played. This is through a country becoming into a standstill when soccer is being played. The development of soccer in Africa has been enhanced in the recent past. Boys and young girls no longer stay idle in their leisure time. Everywhere you go in Africa be it Morocco, South Africa, Nigeria, Congo, Kenya e.t.c. you will find young boys and girls kicking around a football.2 Sometimes the ball will be made of plastic bags with strings wrapped around it. Sometimes it will be made of crumpled up paper. As long as it can be kicked, there will be a game.3 After 1960's soccer in Africa has developed greatly. However, it is yet to reach the level of the game in Europe and Latin America. To speed up its development, Confederation of African Football (CAF) was formed to spearhead and manage soccer in Africa. Under CAF, Africa Cup of nations was started. This is a league that brings together all African countries in finals for African Cup of Nations qualifiers. This league was started in 1957 and it has gone through various stages to be where it is today. Confederation of African football CAF) was founded in 1956 and immediately began making plans for a continental championship tournament. Four teams were expected to play in the first tournament, hosted by Sudan in February of 1957. However, South ______________________ 2. Ibid 3. www.cafonline.com. Africa which was expected to play was excluded because of its apartheid government wouldn't send a multi-racial team, so it came down to just three, that is Egypt, Ethiopia and the host Sudan. Since then, the field for the African Cup of nations has gradually increased to four. Six, eight, twelve and presently fifteen teams. Originally the tournament was to be played in odd numbered years. However, the 1961 event was postponed to 1962, resulting in championships in consecutive years, and the 1967 also had moved back a year. Since 1968, the tournament has been played biennially, in even-numbered years. Besides the African Cup of nations, there are other leagues which are played under the confederation of African Football. These tournaments are as follows:- The African Youth Championship: this is the main international football competition for confederation of African football. This football competition is played by under 20 years old players. The competition is played with the top four teams qualifying for the FIFA World Youth championship. Until 1989 the African representatives were determined purely on a qualifying basis with no African title on the line. Since 1991, there has been qualifying stage followed by a final