poverty and the failure of macro economic policies

With the increasing tendencies of poorness and coupled with the failure of macro-economic policies in supplying recognition services to the hapless, micro-financing is progressively being advocated as an alternate agencies of recognition bringing to the hapless. Microfinance has bit by bit developed to be a world-wide motion, no longer being a capable affair of microfinance practicians entirely, Governments, givers, development bureaus, Bankss, foundations, corporations, concern communities, civil societies, research workers, universities, advisers, altruists and others are taking increasing involvement in it ( Latifee, 2006 ) . Microfinance is a general term that refers to the proviso of fiscal services for the hapless who conventionally have been excluded from the formal Banking system. Microfinance is hailed as a tool for poorness relief because entree to fiscal services assist the hapless families in run intoing their basic fiscal demands, protects against hazards and develop societal and economic authorization. Notwithstanding these potencies of microfinance towards helping the hapless, other surveies elsewhere have shown that microfinance does non relieve poorness as claimed by some surveies. In Nigeria, like most other developing states microfinance proviso is both undertaken by formal and informal agreements. Between 1977-1999 the Nigerian authorities have initiated and implemented no fewer than 5 microfinance plans in the signifier of microcredit to help the hapless as a manner of relieving poorness. However, with the drastic decrease of authorities subvention to them, they all ceased to run as all of them depended chiefly on Government support. ( Mohammed & A ; Hassan, 2008 ) . Sing the failure of the so top-down attack, the Government in 2005 came up with a new microfinance policy under the supervising of the Central Bank of Nigeria. The execution of this new policy led to the active engagement of the private sector runing along-side with the bing government-owned microfinance establishments in supplying fiscal services to the economically active hapless.1.1 Statement of jobBing a developing state and the most thickly settled state in Sub-Sahara Africa, Nigeria harmo nizing to 2006 nose count figures has a population of 150 million people. Available statics shows that out of the 150 million Nigerians, 70 million people are populating below poorness line ( World Bank, 2009 ) . Further, the highest poorness rate of 72 % is recorded in the Northern portion of the state compared to 43 % recorded in the southern portion of the state ( Kpakol, 2009 ) . This is an indicant that the incidence of poorness is more outstanding in the Northern portion of Nigeria. In an effort to turn to the job of poorness, Government had between1977-1999 initiated and implemented no fewer than 5 poverty relief plans in the signifier of microcredit proviso to help the economically active hapless as a manner of relieving poorness. However, with the drastic decrease of authorities subvention to them, they all ceased to run as all of them depended chiefly on Government support ( Mohammed and Hasan, 2008 ) . Sing the importance and increased protagonism of microcredit as a agency of relieving poorness, the Government in 2005 came up with a new microfinance policy under the supervising of Central Bank of Nigeria. Under the new policy, authorities and private persons are granted licence to open and run microfinance establishments. This development led to the outgrowth as of today, more than 900 registered microfinance establishments runing in the state which hitherto been entirely a authorities matter. Available statistics indicates that the formal microfinance establishments merely service less than one million clients in a state where over 50 % of the state ‘s population of 150 million unrecorded below poorness line ( Felix and Adamu, 2007 ) . In add-on, the formal fiscal system provides services to about 35 % of the economically active people, while the staying 65 % do non hold entree to fiscal services ( CBN, 2007 ) . In separate surveies about microfinance in Nigeria utilizing different sets of variables, shows that engagement in microfinance by and large improves the life conditions of its participants which constantly consequences in relieving poorness ( see for illustration, Irobi N C,2008 ; Felix & A ; Adamu, 2007 ; Mohammed & A ; Hasan, 2008 ; S B Williams et Al, 2007 ) . Of involvement to observe nevertheless, most of available literature on microcredit in Nigeria focused on the impact appraisal of microcredit towards poorness relief and more significantly, the surveies were carried out in southern parts of the state. However, small or nil is known about the state of affairs of microcredit in the northern parts of the state which statistics have shown to hold higher prevalence of poorness. The intent of this survey hence, was to understand the perceptual experience of selected communities in Northern Nigeria towards microcredit and how it has contributed towards elating the populating criterion of clients1.2 Significance of the surveyTaking into consideration the developmental challenges posed as a consequence of poorness peculiarly in developing states, the significance of the survey can non be over-emphasized. The variables involved in the survey viz. ; microfinance and poorness relief are of import issues environing modern-day development circles. Most surveies conducted on the viability and effectivity of microcredit towards poorness relief reveals that microcredit greatly enhances the life conditions of the hapless. In position of the foregoing, it is expected that the recommendations offered at the terminal of the survey, will travel a long manner in supplying informed advice and policy sentiment on ways and agencies of germinating echt microfinance activities pa rticularly in countries where poorness is still prevailing. Similarly, the findings of the survey will greatly lend to the bing literature for usage in academic and policy issues.1.3 Research QuestionsThe research inquiries are ; What is the general perceptual experience of these selected communities towards microcredit? In what ways does microcredit alleviates poverty among donees of microcredit?1.4 Purpose of the surveyThe survey seeks to understand the general perceptual experience of some selected communities in northern Nigeria towards microfinance. In making so, the survey will besides find the viability and effectivity of microcredit as a scheme for poorness relief. Contrary to earlier surveies on same issue that chiefly focused on formal microcredit establishments and the impact of loans peculiarly to adult females, this survey will analyze the function of the informal sector that is believed to be supplying fiscal services to more than 60 % of the economically active hapless with a position to understanding whether the informal microcredit can every bit lend towards relieving poorness as is obtained in the formal sector. Furthermore, the survey besides seeks to understand the ways in which the microcredit helps in elating the life conditions of the hapless.1.5 Restrictions of the surveyThis survey investigated the research job based on the relevancy and or effectivity of microcredit in selected communities in Northern Nigeria. Due to fiscal and clip restraints, the survey was limited to merely two communities where two community leaders were selected as samples of the survey. Similarly, the Chief Executive officer of Yerwa microfinance Limited was besides used, and two ( 2 ) donees of loans from the said Bank besides serve as samples of the survey. Otherwise, the sample would hold been much larger than this. One other thing to see as restriction in this survey is the inability of the research worker to be in the field for the behavior of interview. As such, a research helper had to carry on the in-depth interview with the respondents based on the interview usher sent to him, except for the CEO of Yerwa microfinance Bank who granted interview to the research worker straight through SKYPE. Chapter TWO LITERATURE REVIEW 2.1 The construct of microfinance As mentioned earlier, the failure of the conventional banking system to supply recognition services to the hapless led to the outgrowth of microfinance establishments as an alternate beginning of recognition bringing with the purpose of supplying little loans to the hapless without collateral. Microfinance hence, is a manner of funding to hapless for their concern, to relieve their poorness, authorising them and giving societal benefits on sustainable manner. Due to microfinance activities, many possibilities have emerged including widening markets, cut downing poorness and fostering societal alteration ( Agion & A ; Morduch, 2005 ) . Microfinance Bankss are establishments that are established to supply fiscal services to the active hapless. They can be non-governmental organisations ( NGOs ) , nest eggs and loan co-ops, recognition brotherhoods, authorities Bankss, commercial Bankss or non-bank fiscal establishments ( Ledgerwood, 1999 ) . One of import facet of microfinance to observe is its comparative success in intentionally making out to the hapless life in different socio-economic environment. It has been argued nevertheless, that the successes of microfinance mediation recorded in some cases can non be generalized taking into consideration the heterogenous nature of societies within which a microfinance establishment operates. Many research workers had conducted the impact assessment surveies on microfinance plans. Some of the research workers have concluded the positive impact of the microfinance on the socio-economic development ( Tripathy, 2006, Sundarapandian, 2006 ; Pandin, and Eswaran, 2002 ) in India and across the universe ( Hiatt and Woodworth, 2006 ) . At the same clip, some other surveies found that the microfinance intercession had small impact on the socio-economic development of people ( Kabeer, 2005 ; Shamsuddoha and Azad, 2004 ) . Besides ( Kabeer, 2001 ) found out with the negative impact of mic rofinance in Bangladesh. So, taking into awareness the conflicting results of assorted impact surveies conducted utilizing different methodological analysiss in different state of affairss the positive impact of microfinance can non be generalized and universally accepted in this regard. 2.2: Microfinance Approachs There are two diverse attacks in the literature handling microfinance ; the welfarist ( besides called the direct recognition attack ) and the institutionists approach ( or fiscal market attack. The welfarist attack focuses on the demand side, which is to state on the clients. This attack support the thought of subsidising microcredit plans in order to take down the cost for the microfinance establishments so that they can offer low involvement rates on their loans, the public presentation of the MFIs are measured through family surveies with focal point on the life criterions of the persons, figure of nest eggs histories, figure of loans, productiveness betterment, incomes, capital accretion, societal services such as instruction and wellness every bit good as nutrient outgos. ( Congo, 2002 ) The Institutionists criticize the subsidisation because it leads to high, unpaid rates dealing costs, which have led to the failure of many microcredit plans. They mean that it is non sustainable for the MFIs to be subsidized and that the subsidies lead to an inefficient allotment of the fiscal resources. The economic experts back uping this position mean that the welfarist made the incorrect premises when they say that the repayment involvement rate must be low, that the clients are non responsible and unable to salvage and that commercial Bankss can non last in rural countries because of high cost of offering fiscal services to the hapless families. The institutionalists suggest that the MFIs should run harmonizing to the conditions of the market, bear downing high involvement rates because of high costs and in that manner operate on a sustainable mode. They mean that hapless persons are willing to pay high involvement rates in order to hold entree to recognition. The public presen tation of MFIs is measured through the refund rates, dealing costs, fiscal autonomy of MFIs etc ( Congo, 2002 ) In malice of holding advanced thoughts for concern, if there is no entree to fiscal resources, these thoughts go in vain. Microfinance alterations whole scenario and reaches to the hapless to happen their thoughts and acquire fiscal benefits. Harmonizing to Sengupta, Aubuchon ( 2008 ) there are now about 70 million people who are acquiring benefits from 2500 MFIs in over 100 states by microfinance. Conditionss of the hapless are different in different states of the universe. These conditions are related to societal, ideological and political issues ( Weiss, Montgomery, 2004 ) . Therefore, there are typical differences between attacks and motivation of microfinance. We will see briefly two attacks, one is the celebrated Grameen theoretical account originated from Bangladesh and the other is Banco Sol, in Bolivia.2.2.1 Grameen ModelIn Grameen theoretical account, primary unit is a group of 5 members that organize and apply for a loan. In first unit of ammunition, loan is granted for tw o members to put in their concern. If these two members become successful to refund back, so four to six hebdomads subsequently, the following two members are granted besides. The last one will be eligible upon successful refund of the old two. If one member of the group defaults in refund, the whole group will be disqualified for farther loan. Similarly, alone and advanced attack of group loaning is used. As Sengupta, Aubuchon ( 2008 ) described that group loaning has many benefits. First, groups are normally organized in members who are neighbor to each other, those that can understand each other good and acknowledge their demands. Second, if any of the group members will non be present in a meeting, the leader or other group member can pay its installment. We can state there is common apprehension among members. Third, in south East Asia by and large, and in Bangladesh specifically, there are societal force per unit areas among members of society with societal binding in them. If one member of group will non pay even one installment, societal force per unit area will be levied from all eight groups on this member. Ultimately, this leads to decrease of hazard.2.2.2 Bonco Sol of Bolivia.While the Grameen theoretical account of microfinance emphasize on loaning to villagers, the other nucleus construct is the formation of groups and these groups are eligible to take loans, no option of loans to persons. The thought of Bonco Sol of Bolivia is progressive loaning where the sum of loan will increase after completion of every refund agenda. But other features of Grameen model ( Group loaning ) are included in this method like aiming to hapless, adult females, group formation and public payment. No uncertainty, progressive loaning is an extension of group imparting which many microfinance establishments are now following this attack. In this theoretical account of progressive loaning, micro-lenders are flexible about collateral and lend loan to groups and persons b esides. This method is really helpful in countries with low population densenesss or high diverse population where group forming is non so easy due to different ratio of safe and hazardous borrowers. While appreciating the differences in attacks as indicated above, one can state that microfinance are evolved due to different political, ideological and societal conditions. Harmonizing to Weiss Montgomery ( 2004 ) â€Å" Microfinance in Latin America developed under rather different conditions. In Bolivia, a fall ining democrat government led to widespread unemployment. Bonco Sol, a pioneering microfinance establishment in the part was developed to turn to the job of urban unemployment and supply recognition to the cash-strapped informal sector. The impression of commercial profitableness was embraced comparatively early in this attack.2.3 Microfinance- a Development ToolIn developing states, people from low income communities have advanced thoughts for their concern, even as shop-keepers or family merchandises maker, but they have no fiscal resources to implement their thoughts. This low economic activity in low income communities due to miss of fiscal resources lead them to more poorness and hapless life criterions. By and large, fiscal services screen nest eggs and recognition activities and there is same construct about MFIs. But harmonizing to Ledgerwood ( 2000 ) , MFIs work for general fiscal services with this they provide insurance and payment services to their clients. But of import facet of MFIs is non merely fiscal mediation but besides supplying societal intermediation and societal services to their clients. Social mediation and societal services contain many activities including preparations, direction development and fiscal literacy activities. Furthermore, many MFIs, arrange get-together where experient people guide others, where they give utile suggestions, tips and other tactics for their concern. Therefore, microfinance is supplying fiscal services with societal services. Normally, societal services are non applicable in general banking system. So, microfinance is non merely banking system but development tool, uniting both fiscal and socie tal intermediation. Therefore, microfinance provides the undermentioned services ;2.3.1 Fiscal IntermediationFiscal intermediation is by far the most primary aim of MFIs because without loan/money societal intermediation can non work. MFIs in this respect, becomes a span to entree finance and this consequences to poverty relief, wellness attention and instruction literacy ( Ledgerwood, 2000 )2.3.2 Social IntermediationSocial intermediation that covers the issues of group formation, leading preparation and concerted acquisition is secondary function of microfinance for borrowers of MFIs. Development in societal capital is a basic ingredient of sustainable development in hapless ‘s life and particularly in society. Social capital really links between clients of a group and multiple groups and between MFIs and borrowers ( Agion & A ; Morduch, 2005 ) . The ratio of societal capital will increase with the addition in concern activities among members and fiscal dealing between loane rs and borrowers.2.3.3 Enterprise Development ServicesMFIs provides support to persons or groups in different endeavor development services like selling, concern and accounting services etc. this service can be divided into two parts, endeavor formation and endeavor transmutation. In endeavor formation, MFIs provide proficient support to group or person in start up of concern with thoughts and accomplishments. While, in transmutation of endeavor, MFIs arrange preparations for borrowers, workshops and get-together for developing latest accomplishments in their concern countries ( Ledgerwood, 2000 ) .2.3.4 Social ServicesHarmonizing to microfinance practicians, poorness can be addressed by funding hapless for productive activities which in consequence come up to their entree to life necessities. Ledgerwood ( 2000 ) observes that MFIs serve to their clients with extra societal services and fiscal intermediation. The best manner to reach with their clients is in the signifier of group, that is the easy manner to educate them, giving wellness attention and other installations. So in this manner, MFIs function is productive in the life of hapless by offering fiscal services with supportive services. These supportive services really play of import function in sustainable human development and support of the hapless ( Khan, Rahman, 1998 ) .2.4 The Goals of MicrofinanceThe ends of Microfinance Bankss are ; To supply diversified, reliable and timely fiscal services to the economically active hapless. To mobilise nest eggs for fiscal intermediation. To make employment chances. To supply regular avenues for the disposal of the micro-credit plan of authorities and high net worth persons. To render payment services such as wages, tips and pensions on behalf of assorted grades of authorities. To affect the hapless in the socio-economic development of the state ( Egbu, 2006 ) .2.5 The Concept of PovertyThere is no individual definition of the word ‘poverty due to the relativity of the construct, it can take assorted signifiers depending on the context within which the construct is defined. In a more luxuriant definition, The United Nations defines poorness as â€Å" Fundamentally, poorness is a denial of picks and chances, a misdemeanor of human self-respect. It means deficiency of basic capacity to take part efficaciously in society. It means non holding plenty to feed and dress a household, non holding a school or clinic to travel, non holding the land on which to turn one ‘s nutrient or a occupation to gain one ‘s life, non holding entree to recognition. It means insecurity, impotence and exclusion of persons, families and communities. It means susceptibleness to force, and it frequently implies populating on fringy or delicate environments without en tree to clean H2O or sanitation † ( UN, 1998 ) . Poverty in many developing states is mostly a affair of non holding plenty on their tabular arraies to eat. Supplying the hapless with fiscal services is one manner to increase their income and productiveness e.g. through self-employment and therefore get away poorness ( Chowdhury, 2001 ) . Poverty is farther classified into three variables ; income poorness, exposure and authorization. Income poorness bases for deficiency of income to afford minimal basic necessities of life. Vulnerability involves the chance of hazards of today being in poorness or to fall into deeper poorness in the hereafter. Sing authorization, based on the focal point of this survey, to find the manner ( s ) microcredit alleviates poorness, most MFIs are working towards authorising economically active to partake in one signifier of endeavors or the other. Here, authorization is farther classified into three classs viz. ; Economic, societal and political authorization. They are defined as follows ; Economic authorization refers to economic security of oneself. Social authorization refers to the ability to take part in decision-making in the community including the family and non-family groups. Political authorization refers to the ability to interact in the populace sphere.2.5.1 What causes Poverty?Poverty is a macro job. The causes are every bit broad as they are deep besides. Some of the cardinal grounds why people all over the universe are hapless and remain hapless are political instability, natural catastrophes, corruptness, socio-economic disparities and bias, deficiency of entree to instruction, deficiency of substructure etc. Some other causes of poorness can be from acute conditions like warfare. The stuff and human devastation that is frequently caused by warfare is a major development job ( World Bank, 2000/01 ) . Apart from devastation caused by natural events such as hurricanes, environmental forces ever cause acute periods of crisis by destructing many harvests and animate beings every bit good.2.5.2 Measuring PovertyWhen poorness is defined in a broader sense, it can raise the inquiry of how to mensurate overall poorness and how to compare accomplishments in different dimensions. Below is how the different dimensions of poorness can be measured. Measuring material want: Under this we have the income and ingestion degrees of the family. This is measured by utilizing the national poorness line, a critical cut off in income or ingestion below which an person is deemed to be hapless. Measuring Vulnerability: Poverty can non be to the full alleviated in a sustainable manner unless mediators are designed to undertake the multi-dimensional nature of poorness. Vulnerability being a dynamic construct has its measuring centered on the variableness to income or ingestion and on the handiness of other dimensions of wellbeing like physical assets, human capital, societal capital and prevalence of non-income hazards like force, natural catastrophes and so on ( World Bank, 2000 ) . Measuring Authorization: Measuring authorization may change harmonizing to the context i.e societal, cultural and political context of a given society.under this we have: Economic authorization: This can be measured harmonizing to the ability of single to command sufficient resources. Social authorization: This can be measured in footings of the ability of single to partake in determination devising. Political authorization: This has to make with persons ‘ ability to take part in political personal businesss.2.6 Microfinance Profile in Nigeria.Variously described as the giant of Africa, Nigeria is the most thickly settled state in sub-sahara Africa with an estimated population of 150 million people. Divided into 6 geo-political parts, operates a federal system of authorities. Bing the 7th largest exporter of rough oil manufacturer in the universe which constitutes 70 % of the states gross and yet more than 70 % per centum of its 150 million people are populating below poorness line. In line with the desire to contend poorness, consecutive disposal in the yesteryear have initiated and implemented assorted poorness relief plans with a position to turn toing such job. Notwithstanding these far-reaching policies the issue of poorness has continued to be a repeating job as most of these plans failed to accomplish the coveted aims and by 1999 all authorities poorness relief plans ceased to work due to inadequate subvention from the authorities. In realisation of its duties to its citizens peculiarly the hapless, the authorities in 2005 came up with a new microfinance policy under the supervising of the cardinal Bank. Under this policy, prospective persons, corporate organisations and NGO ‘s willing to partake in microfinancing were granted licence to run. This new policy saw the outgrowth into operation of more than 900 microfinance Bankss across the 36 provinces of the federation. Of involvement to observe nevertheless, these MFIs provide services to merely 35 % of the 70 million economically active hapless Nigerians, the staying 65 % do non hold entree to credits ( Soludo, 2009 ) . One other upseting facet of microfinance activities in Nigeria is uneven spread of its operations to the hurt of the Northern parts of the state as most of these establishments are concentrated in the Southern parts of the state. By and large, microfinance establishments in the state are faced with legion jobs runing from deficient financess to deficiency of managerial accomplishments which in bend effected on the hapless outreach of its operations and their inability to provide for the pullulating economically active hapless. As specified by the new microfinance policy, microfinance establishments have the undermentioned aims: To better the socio-economic conditions of adult females, particularly those in the rural countries through the proviso of loan aid, skills acquisition, generative wellness attention service, grownup literacy and miss kid instruction ; To construct community capacities for wealth creative activity among enterprising hapless people and to advance sustainable support by beef uping rural antiphonal banking methodological analysis ; and To eliminate poorness through the proviso of microcredit and skill acquisition development for income coevals ( Anyanwu, 2004 ) . Chapter 3 Methodology3.1 Research Design:The survey is of qualitative nature which is besides referred to as inductive attack. Inductive attack is done by taking into consideration the empirical informations foremost and so research worker goes on to construct hypothesis which leads to the development of and consideration of new theories or doing add-on in bing theories ( Bryman, 2004 ) . It is of import to observe here that the pick of this attack was informed by ; non-sufficient informations of the researched subject and besides because of the argument on the impact of microcredit as a medium of poorness relief. Otherwise, the survey would hold employed the deductive attack in turn toing the research inquiries. Furthermore, it is appropriate to utilize qualitative attack as the survey seeks to understand the perceptual experience of donees of microcredit. It is believed that this method will supply rich and thick description from the participants sing their experiences, perceptual experience and apprehension of microfinance.3.2 participants and scene:The participants involved in the survey include the Chief Executive Officer of Yerwa Microfinance Bank, Maiduguri, 2 community leaders and 2 loan donees of the said Bank. The Chief executive officer who is holding 5 old ages experience in microfinance activities besides serves as the current director of the aforesaid Bank. He was chosen because of his wealth of experience and besides runing in one of the countries with high prevalence of poorness. The two back-to-back interviews he granted to the research worker through skype have provided an institutional position on the general nature of Nigerian microfinance industry. Two community leaders of Matara and Bulangu identified as samples of the survey represent the voices of the said communities that are considered to be among those countries worst hit by poorness. Their perceptual experience towards microfinance is by and large believed to stand for the position of their co mmunities. Similarly, the two donees were identified in coaction with Chief Executive Officer of Yerwa community as his clients, gave a self-account of their perceptual experience, experiences every bit good as their apprehension of microcredit as being direct donees. 3.3: Ethical Measure Attached as appendix 1 is the consent missive served to all participants seeking their consent to take part in the survey as respondents. The aim of the survey was clearly explained to them and were assured that all informations obtain from them will entirely be used for the intent of the survey and that they are at autonomy to retreat at any clip they deemed appropriate to make so. In add-on, they were promised a transcript of the work should at that place be a demand for them to verify the intent for which the survey is intended. 3.3: Ethical Measure Bing a qualitative attack, the research worker is the instrument of the survey. Data aggregation was at the same time obtained by both the principal research worker and the research helper employed due to some restrictions encountered as a consequence of the inability of the principal research worker to be in the field. While the principal research worker conducted an in-depth interview with the Manager of Yerwa microfinance Bank through Skype, the research helper conducted same with the community leaders and the donees of loans who every bit served as respondents guided by the interview usher prepared and sent to him for that intent. By and large, the following semi-structured inquiries guided the behavior of the interview ; Would you wish to state us about yourself and what you do for a life? Would you wish to state us what Yerwa microfinance Bank is making in this community? Have you of all time collected any loan from the bank? If yes, when? Would you wish to state us what has happened to you since you obtained that loan? Would you wish to state us who introduced you to Yerwa microfinance Bank as a client? What has been the procedure of obtaining the loan? How did you see that your life has changed as a consequence of the loan you collected. What advice would you give to others like you who have non collected the loan? Have you completed refund of the loan? If yes, would wish to travel for farther loan? All interviews were audio-taped and subsequently transcribed. Having transcribed the information, common tendencies and forms associating to the respondents ‘ perceptual experience of microcredit and its impact on the general betterment of their life conditions were marked and coded suitably. In add-on, similarities between coded statements were compared which enables grouping into major subjects for concluding presentation. In all, a sum of 49 codifications associating to the general perceptual experience towards microcredit and the ways in which it has improved the criterions of life of participants emerged. These codifications were farther categorized into major subjects as will be presented in the concluding analysis of the informations.Chapter FOURINTERVIEW RESULTS AND ANALYSIS Founded in 2006, the Bank as of today has a sum of 3,000 clients with one caput office every bit good as a subdivision office wholly situated within Maiduguri township. The operational system is fashioned along the Bangladeshs ‘ Grameen Bank in which loans are offered to groups of between 5-6 members. The sum of loan offered to groups scopes between N500,000 to N700,000 for the intent of puting into broad scope of economic activities like cowss rise uping, orienting, agricultural activities depending on the pick of donees. The sum of involvement charged harmonizing to the Bank Manager is for every N100,000 given out as loan, the Bank charges 5 % as service charges. These charges are chiefly used for employee rewards and payment of rents and other administrative costs. Though comparative new with a small capital base, deficient figure of staff and comparatively few clients, the Bank was able to go on with the hope of spread outing its services in the hereafter. 4.2 Data analysis Based on the informations generated from the interview, a sum of 56 statements refering to perceptual experience of the respondents every bit good as the impact of microcredit on donees were coded. These codifications were farther compared based on their similarities and subsequently grouped into two major subjects dwelling of several sub-themes as will be presented hereunder. The two major subjects are ; the general perceptual experience of the donees of microcredit and impact of microcredit towards poorness relief. Table 1 Percept towards microcredit Impact towards poorness relief Trouble in accessing loans. Limited finance. Default in loan refund. Lack of consciousness on the activities of MFIs Increase in income. Social coherence. Table 1 above shows the classs of major subjects with sub-themes.4.3 Data reading.4.3.1 Trouble in accessing loans: Most of the respondents interviewed complained about the trouble in treating a loan with the Bank. Harmonizing to one of the donees it took them as a group about six months before they eventually obtained the loan. This has to make with the weak capital base of Microfinance Bank. As found out in the survey this microfinance Bank is one of the few microfinance establishment operational in province that is estimated to be holding more than 1.8 million economically active hapless that require one signifier of recognition or the other to enable them partake in economic ventures that would take to fiscal betterments. Another factor responsible for the hold in treating the loans is that the Bank deficiencies adequate work force and even the available 1s lack proper preparation to run into the increasing client demands. The Bank harmonizing to the Manager has merely 10 employe es in its wage axial rotation. This figure is rather deficient compared to the figure of clients of the Bank. 4.3.2 Limited finance: One of the disclosures in this survey which is mentioned by both loan givers and receiving systems is deficient financess. Insufficient capital harmonizing to the Bank Manager is one of the jobs the microfinance industry is confronting. This has a attendant consequence on the figure or sum of loan the Bank is able to give out as loans. Apart from that, the bank could non ship on enlargement undertakings such as staff enlisting and preparation, gap of other mercantile establishments to diversify its operations etc. One of the donees interviewed besides testified to that fact he had ab initio applied for N100,000 but eventually secured N40,000 which harmonizing to him is grossly unequal to take attention of his planned enlargement of concern. 4.3.3 Default in loan refund: loan default is besides one of the jobs associated microcredit. Although harmonizing to the Manager the Bank was able to enter 87 % and 90 % in the preceding old ages, but still the Bank is seting all necessary steps to guarantee impressive rates in the coming old ages. On the portion of donees they normally complained of higher involvement rates and high inflationary rates as factors responsible for their refund as and when due. Short refund period is besides mentioned by clients as one of the grounds for their inability to refund back harmonizing to agenda. 4.3.4 Lack of consciousness on the operations of MFIs: though comparative new in their operations, Microfinance Banks are still non known to bulk of the hapless and even if they know they can non appreciate the differences between them and other conventional Banks. Most of the donees interviewed said that they were introduced by friends who have been clients of the Bank and they were besides told that it is a topographic point where one can borrow money even if do n't hold a house or land to demo as collateral. Harmonizing to the Bank Manager, due to the weak capital base of MFIs, they can non be able to patronize adverts in the print and electronic media and as such they have to trust on the bing method to make out to their clients. This, he added will be a history as the Bank is bit by bit turning twenty-four hours by twenty-four hours. 4.3.5 Increase in income: by and large, most of the donees acknowledge though non significantly, alterations in the general conditions of their life as a consequence of the loans they collected from the Bank. One of the donees said that because he has invested the loan he received, after paying back the loan he noticed an addition in his overall capital base from N200,000 to N500,000. With the enlargement of his concern he was able to use an helper and at the same clip enroll into grownup flushing category which he is about to graduate in the following three months. To him this loan has brought succor as it has empowered him economically and educationally. Similarly, another donee besides said that as a consequence of the loan was able to purchase a reasonably used bike which he uses for commercial intents. As a consequence, he is now gainfully employed, able to purchase another new bike which he will give out for same commercial intent. In add-on, he was able to buy a little piece o f land that he hoped to develop bit by bit. 4.3.6 Social Coherence: apart from the fiscal mediatory function that microcredit dramas, the survey besides found out that engagement in microcredit unites its participants socially as a consequence of group loaning policy of microfinance establishments. As pointed out earlier, the microfinance establishments merely lend money to groups. Coming together of group members to use for a loan has afforded them the chance to carry on meetings on how to obtain, use and pay back the loans. The single groups besides register themselves under one umbrella of association of microcredit donees within the whole community. This has non merely further their sense of belonging but besides afforded them the chance to organize themselves into a formidable group that in most instances influences the determinations taking by the community. As one of the respondents remarked, â€Å" â€Å" Because of the formation of this association we are now politically empowered as most of the political parties ev er seek our support and input as a group, we support campaigners that we feel capable of protecting our involvement. In this regard we can state that our engagement in microcredit has given us a stronger voice to be heard even by the leaders contrary to what it used to be before our engagement in microcredit † . In another case, another donee besides said â€Å" â€Å" Because we are now formed into a strong group, we ever during our meetings raised and help in work outing personal jobs of our members such as sing infirmaries to help the bed-ridden, go toing societal assemblages like matrimony and appellative ceremonials. Most significantly, we were able to enroll a instructor who conducts flushing grownup literacy category to us on hebdomadal footing. Besides, field officers from the Bank educates us on the rudimentss of accounting and record maintaining which has greatly helped us in carry oning and pull offing our concerns † .Chapter FIVECONCLUSION AND POLICY RECOMM ENDATIONS: In decision, the survey has succeeded in understanding the perceptual experience of some donees of microcredit in Northern Nigeria. The survey found out that though microfinance establishments are faced with series of jobs runing from deficient fund to give out every bit loans to prospective clients, inability to spread out its operations to make out to the bulk hapless who largely live in the rural countries. In add-on, the operations and ends of these microfinance establishments is non known to bulk of people due to their concentration in urban countries. Yet, with the small they were able to loan out, has made an appreciable betterments on the life conditions of its clients in different respects. As other surveies have indicated the positive every bit good as the negative impacts of engagement in microcredit plans, the findings of this survey suggest that microcredit has impacted positively in bettering the life conditions of participants. In position of the foregoing and as revealed by this and other old surveies I wish to propose as follows ; Government should as a affair of precedence, happen a agency of supplying more sufficient and accessible financess to this microfinance establishments so that they excessively can hold plenty to impart out to prospective clients. As most microfinance Banks are concentrated in urban countries to the hurt of rural countries where bulk of the hapless resides, the Bank should ship on witting attempts in opening their subdivisions in rural countries. By taking their services to the door stairss of the hapless, it is believed the that this will pull more clients and thereby ensuing in the enlargement and growing on the portion of the Bank and to function as a agency of relieving poorness amongst the generalization of rural inhabitants. Another issue that needs to be observed and which has ever been complained of by donees is the duplicate issues of high involvement rates and short refund periods. Government and these fiscal establishments should look into this facet with a position to supplying microfinance services with easiness to the hapless. It is believed that high involvement rate and short refund periods are the major obstructions militating against popular engagement of the economically active hapless section of the society in microcredit plans. Intervention of the Government and all stakeholders of Nigerias ‘ microfinance industry in this way will promote the hapless to take part and prosecute in micro-enterprises activities that will finally better poorness. Mentions A D Mohammed and Z Hassan ( 2008 ) Microfinance in Nigeria and the chances of presenting its Islamic Version, MPRA Paper. 2008. Agion, B. A.d. & A ; Morduch, J. , ( 2003 ) , â€Å" Microfinance, Where do we Stand? â€Å" , The Anyanwu, C.M. ( 2004 ) . â€Å" Micro finance establishments in Nigeria: policy, pattern and British Association for the Advancement of Science Meetings, University of Salford, UK, 3, pp.136-144. Bryman, A. , ( 2004 ) , Social Research Methods, 2nd Edition, Oxford University Press Inc. , New York. 2004. CBN, ( 2007 ) Annual Report and Statement of Account for the year-ended 31st December 2006. Congo, Y. , Performance of Microfinance Institutions in Burkina Faso, Discussion Paper No. 2002/01, UNU World Institute for Development Economics Research potencies † paper presented at the G24 workshop on bottlenecks to growing in Sub-Sahara, Africa, Pretoria, South Africa, November Felix, M A and Adamu G ( 2007 ) Support to the Development of Sustainable Microfinance in Nigeria. Mid-term Evaluation Report. UNDP/UNDCF 2007. Khan, M.A & A ; Rahaman, M.A, ( 1998 ) , â€Å" Impact of Microfinance on Living Standards, Empowerment and Poverty Alleviation of Poor Peoples: A Case Study on Microfinance in the Chittagong District of Bangladesh † , Master thesis, diva-portal.org, pp.14-30. Ledgerwood, J. , ( 1999 ) , â€Å" Microfinance Handbook: an Institutional and Financial Perspective † , Washington DC: The World Bank, pp.1-2, 63-90. M Kpakol ( 2009 ) The Role of Government in Poverty Eradication. A public Lecture series held in Minna, Niger State 2009. Sengupta, R. & A ; Aubuchon, C.P. , ( 2008 ) , â€Å" The Microfinance Revolution: An Overview † , Federal Reserve Bank of St. Louis Review, Volume 90 ( 1 ) , pp. 9-30. UN – United Nations Capital Development Fund, Special Unit for Microfinance ( 2002 ) Weiss, J. , Montgomery, H. , ( 2004 ) , â€Å" Great Expectations: Microfinance and Poverty Reduction in Asia and Latin America † , ADB Institute Discussion Paper No.15, pp.3-7APPENDIX 1UNIVERSITY PUTRA MALAYSIA ( UPM )DCE 5920: Introduction TO QUALITATIVE RESEARCHINTERVIEW CONSENT FORMI, Sule Ahmadu a pupil of the above mentioned class is required to set about a qualitative survey entitled â€Å" Microfinance and poverty relief in Nigeria: perceptual experience of microcredit donees in Northern Nigeria † . You have been invited to be in this survey due to your experience either as an operator of microfinance Bank or as a client. Note that your engagement in this survey is wholly voluntary and you may make up one's mind to retreat at any point you may hold it appropriate. If you decide to take part you will be asked to give an history of your perceptual experience on microcredit. You will every bit good be asked to besides depict in what manner ( s ) does microcredit improves the life conditions of donees as a consequence of their engagement. As you may make up one's mind to conceal your individuality, you are assured that anonym will be used to depict your individuality throughout in the presentation and analysis of the research work. Additionally, if you wish to cross-check the genuineness of the informations obtained from you, a transcript of the research work will be forwarded to you for that intent. For farther elucidation and information, I can be reached on 0102737786 Thank you for your cooperation! Signature of participant Date aˆÂ ¦aˆÂ ¦aˆÂ ¦aˆÂ ¦aˆÂ ¦aˆÂ ¦aˆÂ ¦aˆÂ ¦.. Bukar Modu Name of research Assistant Date & A ; SignaˆÂ ¦aˆÂ ¦aˆÂ ¦aˆÂ ¦aˆÂ ¦aˆÂ ¦aˆÂ ¦aˆÂ ¦aˆÂ ¦.. Sule Ahmadu Name of Researcher Date & A ; SignaˆÂ ¦aˆÂ ¦aˆÂ ¦aˆÂ ¦aˆÂ ¦aˆÂ ¦aˆÂ ¦aˆÂ ¦aˆÂ ¦..

Job Satisfaction Important Factors Assignment

I was appalled when I saw the first set of graphs conducted on the 600 employees, ND that the balance between life and work was so low on the list. Honestly, now that I have a child at home, I chose that as one of my top 5, but If you would have asked me two years ago I probably wouldn't have put that as an important aspect. I obviously chose Job security because no matter what, I want to know that I am Important to the company and that they need me to be there in order for everything to run smoothly, which In turn will almost guarantee that I will always have an available position within that company.The second most important Job aspect to me is the availability for career advancement. I am the type of person that always wants to better herself and to climb right up that corporate ladder. I don't ever want to settle with a position when I know that there is one higher and within my reach and ability if I were to try hard enough, and to complete the tasks necessary to gain that posit ion. So if a company does not have the opportunity for advancement, then it is not the right place for me, and I probably wouldn't even consider working there.Pay is obviously important because it is what make after working hard all day long for the company. It Is also what helps to support my family. As we've all heard â€Å"money makes the world go 'round†. I want to be rewarded for my accomplishments and to know that I am Important by the amount of money I make. The way I see It, the better I am at my job and the harder I work, the more money I make the company, so, why shouldn't I be rewarded for that? The fourth most important aspect to me is benefits.This also would not have been Important before I had a family. As a high school or even young college student, you don't think â€Å"l want to get great benefits when I graduate†. I honestly didn't even know what the word meant until I moved out of my parents house and got a Job on my own. Now that I have a family th ough, the benefits are most definitely an Important aspect of any Job. After reviewing the chart by the SHIRR my results are much more Like theirs than on the website. My numbers 1, 3, 4, and 5 are all located within the top 5 on their chart.My number 2, Career Advancement was not located anywhere on the top of can't, out actually second to last. I Nils contuses me, Decease tenet under two Is compensation and pay, but in order to make more money, you must advance your career. The farther up the corporate ladder you are, the more money you are likely to make. I guess when taking part in the survey people were not thinking about advancing their careers to make more money, but maybe were happy with where they were within their business. It is most definitely possible to get a raise in pay without changing positions and advancing.Everyone has different ways of thinking and maybe other people are not like me. Maybe they do not like change and want to be within the same position for as lo ng as that position is available to them. There is no wrong or right when it comes to people's opinions. I was glad to see that more people polled for Flexibility to balance life and work issues as I believe this is important to anyone who has a family or wishes to have one. I would say that between all three charts Compensation and Benefits have topped them, which proves the saying â€Å"Money Talks†.

An Environmental Risk Assessment Environmental Sciences Essay

An Environmental Risk Assessment Environmental Sciences Essay All over the world, rapid industrial development of metropolitan cities have always resulted in a growth in population and also in the general increase of the size of municipal solid waste generated. The management of municipal solid waste, if not handled properly, will lead to various problems now and in the future. Developed countries in the world have, to a large extent succeeded in handling their waste using various principles and methods. From suitable collection methods to technologically advanced disposal methods, they have made sure that municipal solid waste has been effectively controlled in their cities. Unfortunately, the same cannot be said about other developing countries of the world. Developing countries such as Nigeria are still battling with municipal solid waste management. As a direct result of the oil boom, Port Harcourt city, the capital of Rivers State, Nigeria (which is the case study of this research work) has experienced a major rural- urban migration. The population has almost tripled over the years. This has, in turn, led to a massive increase in the sheer volume of solid waste generated within the city.. Approximately 168,201 tonnes of solid waste are produced in the city of Port Harcourt every year and waste disposal has not been effectively handled. Residents resort to indiscriminate discarding of their waste at every given opportunity The most common means of waste disposal in the city by the public are mainly by dumping the refuse by the road, burning the refuse in the open air in their compounds, littering it openly on street corners and also dumping them in rivers and streams and drainage systems. These methods of waste disposal contribute greatly to the degradation of the environment in so many ways. However, very little is done to reuse and recycle the solid waste generated. Research shows that a huge percentage of the public do not recycle and reuse their wastes which indicates that the awareness level of the public about reuse and recycling of waste in Port Harcourt city is very low and offers a lot of prospect for improvement. This study therefore investigates the reasons why proper waste disposal methods are neglected by residents of Port Harcourt. It also seeks to discover why the method of Reuse and Recycle of waste is not getting the awareness and Government support it greatly deserves. Recommendations were made about strategies that will allow the government and stakeholders involved to advance on modern methods of waste Reuse and Recycling as a core aspect of municipal solid waste management in the city. Through the use of data collated via questionnaires, it was gathered that a majority of respondents agree that reuse and recycling of waste can positively impact the environment, create revenue and also employment opportunities. It reconnoitres the link between reuse and recycling of solid waste as a means to create revenue and to ultimately achieve sustainable development in the future. CHAP TER ONE INTRODUCTION BACKGROUND OF STUDY According to Shah (2000), solid waste is defined as any material that is unwanted or thrown away. The general community views waste as something worthless that should be destroyed or thrown away. As such, proper disposal of waste has constituted huge disposal problems. People commonly dump their household solid waste on the road side, unapproved dumpsites and illegal landfills. This has brought about untold environmental pollution as well as major setbacks in societal development (Mbata 2010). Waste in general is a threat to the environment, because of its negative environmental impacts that result from littering, dumping of wastes illegally, and greenhouse gas emissions (Hosetti 2006). Waste contaminates ground water and can cause serious health hazards if not handled and managed properly.

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Change Order pricing - Case Study Example Some states, particularly Washington does not require the local government â€Å"to pay contractors for higher labor rates on change orders† (Sonntag 12). 5. If a composite labor rate, developed on the basis of the overall mix of work on the entire contract, was used in the original estimate, should the same composite rate be used in pricing the work associated with the change? Answer: Yes. Since the man hours are already extended because of the change, charging the same composite rate for the additional work to be done is justifiable to be applied. The paid longer working hours will already take care of the cost of the additional work needed. Answer: Yes. The contract between the contractor and the buyer has already been established long before the change so the workers assigned for the said job have committed their time to the length of the contract. Therefore, the workers are entitled to be paid throughout the whole time that the agreement is in effect regardless of any downtime as a result of the change as requested by the buyer. Answer: Yes. The contractor can charge the difference to the cost of change in order to recover the losses brought by the downtime. Since the workers are committed to the length of the contract between the contractor and the Air Force, any downtime as caused by the change will not affect the labor rate that they are entitled to receive. Answer: Yes. It is appropriate to apply a learning curve, or the â€Å"period of orientation to become familiar with changed condition† (â€Å"Change Order Protocol† 4) to work affected by the change because of the new skills that the workers imbibed through the change. 9. Is the contractor entitled to claim the costs associated with the affect of the change on the rate of improvement for the changed work for the units on which none of the changed work has been performed? Answer: Yes. Depending on the degree

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Performance Standards and Appraisals - Term Paper Example In my workplace, performance appraisal is an ongoing process whereby employees are evaluated in a constant basis. The role of performance appraisal in my workplace falls solely on the nurse managers. It is done in the form of an interview whereby both the employee being evaluated and the nurse manager fills a performance appraisal form on the employees performance. Performance in all areas is evaluated and employees are gauged in a scale of one to five with one denoting poor performance and five denoting excellent performance. This, according to Laureate Education Inc (2006) is important as managers may have divergent views in regard to the performance of an employee. This also fosters dialogue between the manager and the employee aimed at ensuring the employee understands all the aspects of the evaluation (Laureate Education Inc, 2006). Areas of weakness are identified and strategies are implemented to help improve employees performance for instance through training. All through the process, the manager conducting the appraisal documents the process through taking notes which are then co-signed by the employee being evaluated. Performance standards in my workplace are created in collaboration with employees. This is important as engaging employees in designing performance standards fosters a better understanding of the standards and guidelines and hence they are more likely to exceed expectations in their performance (Laureate Education Inc, 2006). The manager guides the employees in identifying behaviors and attitudes that are beneficial and constructive, and those that could have negative implications. These performance standards in my workplace are communicated through trainings, either on-the-job training or formal trainings. Effectively training employees enables them to understand and comprehend what they are expected to accomplish and achieve in their jobs (Laureate Education Inc, 2006). One of the strengths of this appraisal system in my workplace is

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Why Mobile Phone Conversations Are Never Private Essay

Why Mobile Phone Conversations Are Never Private - Essay Example The privacy of mobile phones for instance, has been a predominant topic in the field of feminist media studies (Baker, 2006, p.1). Through the use of mobile phones, many people have been subjected to unwarranted infringement of personal privacy depending on the gender of the individual and this has led to various studies aimed at investigating how different genders use mobile phones and how the use of these devices has contributed to politically-motivated social history (Hijazi-Omari & Ribak, 2008, p.154). This paper seeks to explore the relationship between the use of mobile phones by teenage girls and the resulting privacy issues. The paper will further focus on the contemporary media practices and how they have influenced different people’s lives depending on their genders. Moreover, the paper will examine the various elements of insecurity applicable in the use of mobile phones and how these pronounce the privacy complexities (Stuart, 2007, p.1). Eavesdroppers, hackers and thieves Despite the conventional privacy belief associated with the use of mobile phones, their use has actually exposed many people to the traps of unintended and self privacy infringing illegal use (Stuart, 2007, p.2). Today, the use of mobile phones has increased to a level that it does not matter where you are or what you are doing but whether your hands are free to hold the handset to your ears for conversation as long as the other person is ready to communicate. The freedom brought by the use of mobile phones has highly influenced the social structures of various communities and even cultures that never used to communicate physically can now access and communicate to the other party devoid of the cultural barriers (McRobbie, 2007, p.720). In this regard, feminist populations in communities that do not allow women to freely mingle with men have been able to freely communicate with their male counterparts without the culturally defined blockages. However, it is imperative to no te that the use of mobile phones has also worked to fuel various illegal activities since other people are able to intercept the communication between the users of mobile phones making the communication media vulnerable (Baker, 2006, p.1). Given the frequency of use and the location of the users of mobile phones, eavesdroppers, hackers and thieves have found it easy to access the mobile phone devices and this enables them to plan and execute their illegal acts without the consent of the mobile phone users (Stuart, 2007, p.1). In many occasions people share their experiences and even personal information with the other users of mobile phones without considering their location and whether there are people around them who could use such information for other purposes. Take for example the use of mobile phones in a cyber cafe or even in a foods store. In these places, different people come for different purposes and some people can access other electronic equipments like lap tops and ot her computer devices (Krotz, 2011, p.2). When an individual either in a line waiting to be served or already enjoying the services of the facility begins to communicate with another person sharing individual experiences and personal information, another person in the same place could easily record the personal information and even schedules and this will aid their planning and execution of illegal acts (Earle, 2010, p.1). Eavesdroppers, hackers and thieves have made the use of mobile phones less private as should be according to the conventional beliefs (Privacy Rights Clearinghouse, 2010, p.2). In this regard, hackers have shown that they don’t actually need the physical mobile devise to track and utilize personal information of the owner of the mobile phon

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Edgar Allan Poe The Raven - Research Paper Example It was possible that Lenore was the deceased woman being referred to in the poem (Cummings , par 9). The poem tells of a bereaved man who is completely devastated by the lost his loved one, Lenore. Suddenly in his moment of sadness, a raven appears who keeps on repeating the word â€Å"nevermore†, as if telling the man that he will never see his beloved again, not even in heaven. As in most works of Poe, â€Å"The Raven† has a very melancholy tone which is emphasized by Poe’s use of words such as â€Å"weary†, â€Å"dreary†, â€Å"bleak†, â€Å"dying†, â€Å"sorrow†, â€Å"darkness†, â€Å"stillness†, â€Å"ebony† and â€Å"grave† (Cummings , par 7). He also uses internal and end rhymes and alliterations to enhance the theme of the poem. â€Å"The Raven† was first published on January 29, 1845 in the New York Evening Mirror (eNotes.com, Inc. , par 1). It is said that the sources of â€Å"The Raven† are Elizabeth Barrett Browning’s â€Å"Lady Geraldine’s 1843 Courtship†, Charles Dickens’ â€Å"Barnaby Rudge† and the two poems by Thomas Holly Chivers, â€Å"To Allegra Florence† and â€Å"Isadore† (eNotes.com, Inc. , par 1). Poe revealed in his â€Å"The Philosophy of Composition† that he wrote about death in â€Å"The Raven† after asking himself what it is among the universal understanding of mankind is the most melancholy (Poe , par 20). Furthermore, he also asked himself what it is that is most universally appreciable and his answer was â€Å"beauty† (Poe , par 13). Having these two topics in mind, he then thought of combining them and writing a poem about the death of a beautiful woman which he considered â€Å"the most poetical to pic in the world† (Poe , par 20). In terms of symbolism, Poe also considered using a parrot in the poem because it was capable of speech. However, he decided to use a raven instead since the theme of the poem is melancholy. A raven is known to be a bird which symbolizes ill omen; thus, Poe decided that it was more

Promotion Strategies Essay Example | Topics and Well Written Essays - 1000 words

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Pediatric Nurse Practive Assignment Example | Topics and Well Written Essays - 2250 words

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Professionalism and system of Healing Essay Example for Free

Professionalism and system of Healing Essay Much of the existing sociological work on professions and professionalism takes a structural approach (Macdonald 1995); the focus is on how groups of people professionalize, or how professionalism can be defined, which occupations count as ‘true’ professions (Johnson 1981). For this reason ‘professionalism’ is often dismissed as rhetoric. In order to achieve status and monopolistic position in the market for services of some kind, aspiring professionals are seen to stress the distinctness of their knowledge, the undoubted authenticity of their altruism and the responsibility of their members. When professionalism is considered purely as a trope perhaps this is a legitimate line to take. However, it can overlook the fact that professionalism can also be regarded as a set of boundary setting practices. These practices no doubt contribute to status since they distance the professional from the client, but they may also benefit the client. For example, the practitioner may adopt a person in which his or her emotions or prejudices are back grounded and subordinated to the client’s task in hand (Cant and Sharma 1998). Professionalism Professionalism in medicine is nothing more than the institutionalization of a male upper class monopoly. I must never confuse professionalism with expertise. Expertise is something to work for and to share; professionalism is – by definition – elitist and exclusive, sexist, racist and classist. In the American past, women who sought formal medical training were too ready to accept the professionalism that went with it. They made their gains in status – but only on the backs of their less privileged sisters – midwives, nurses and lay healers. The main goal today should never be to open up the exclusive medical profession to women, but to open up medicine to all women. Professionalism is the ability to meet the relationship-centered expectations required to practice medicine competently. What does competence look alike? The American Board of Medical Specialties (ABMS), the umbrella organization for certifying boards agree that competent physicians have abilities in the following areas: medical knowledge, patient care, professionalism, practice-based learning and improvement, interpersonal and communication skill, and system based practice. Professionalism integrates all these competencies. It can be observed, for instance, with practice-based learning and improvement when students or residents reflect on their performance and task themselves. Professionalism interfaces with system-based practice when students or residents help patients obtain the care and resources they need to maintain health. Professionalism overlaps with interpersonal and communication skills and with patient care when students or residents are respectful in their interactions with others. The Healing System The integrative practitioner acknowledges the intrinsic restorative capacity of the human organism. Activation of this process is critical to an integrative practitioner’s decisions regarding which therapeutic choices are most beneficial for the patient. Weil has described the concept of a â€Å"healing system† operating in the human organism, not intrinsically different in nature from the â€Å"endocrine system† the â€Å"nervous system, the â€Å"immune system,† or any other conventionally defined functional system in the human body. Like these other systems, the healing system is not specifically located in any single organ, but functions via a subtle and complex web of intracellular signaling systems affecting all levels of the organism, from the cellular level to the tissue-organ level to the levels of mind and spirit. Weil gives an example of the process at the cellular level: when the DNA of a skin cell is damaged by ultraviolet radiation – potentially triggering mutation and unregulated replication, eventually leading to development of a skin malignancy – DNA lipase and a set of related enzymes within the damaged cell’s nucleus are automatically activated, resulting in the identification and removal of the damaged sequence, with restoration of normal replication. If this level of â€Å"automatic healing† fails, then generally, once the cell has mutated and begun to replicate abnormally, immune cells will identify it as foreign and contain and destroy the affected group of cells – without any conscious action on the part of the person affected. At the level of tissues or organs, the spontaneous healing of wounds is an obvious example of the healing system at work. The occurrence of an injury initiates a complex system of intracellular signaling, leading to local inflammation as a defense against infection, increased tissue perfusion to promote healing, and, ultimately, activation of fibroblasts and other cells to repair the damaged skin and subcutaneous tissues. Here again, although this process can potentially be influenced by certain inputs, including medications, botanicals, mind-body therapies, and others, the basic mechanisms of healing are intrinsic and require no intervention to be moved into action. Summary Medicine is a cooperative art and a deeply satisfying profession. Students become professional by paying attention to the relationship of medicine-relationships with patients, colleagues, and mentors. Competence in professionalism is a habit, and its acquisition requires more than knowledge and skill. The inclusion of traditional medical system and other proven modalities in a healing-oriented framework brings us back to a more balanced stance that serves the physician, the patient, and ultimately, the health care system..

Context of Indigenous health Essay Example for Free

Context of Indigenous health Essay Historical context and social determinants of Indigenous health There is a clear relationship between the social disadvantages experienced by Indigenous people and their current health status [1]. These social disadvantages, directly related to dispossession and characterised by poverty and powerlessness, are reflected in measures of education, employment, and income. Before presenting the key indicators of Indigenous health status, it is important, therefore, to provide a brief summary of the context within which these indicators should be considered. The historical context of Indigenous health Indigenous peoples generally enjoyed better health in 1788 than most people living in Europe [2][3][4][5][6]. They did not suffer from smallpox, measles, influenza, tuberculosis, scarlet fever, venereal syphilis and gonorrhoea, diseases that were common in 18th century Europe. Indigenous people probably suffered from hepatitis B, some bacterial infections (including a non-venereal form of syphilis and yaws) and some intestinal parasites. Trauma is likely to have been a major cause of death, and anaemia, arthritis, periodontal disease, and tooth attrition are known to have occurred. The impact of these diseases at a population level was relatively small compared with the effects of the diseases that affected 18th century Europe. All of this changed after 1788 with the arrival of introduced illness, initially smallpox and sexually transmissible infections (gonorrhoea and venereal syphilis), and later tuberculosis, influenza, measles, scarlet fever, and whooping cough [3][4][7][8]. These diseases, particularly smallpox, caused considerable loss of life among Indigenous populations, but the impacts were not restricted to the immediate victims. The epidemic also affected the fabric of Indigenous societies through depopulation and social disruption. The impact of introduced diseases was almost certainly the major cause of death for Indigenous people, but direct conflict and occupation of Indigenous homelands also contributed substantially to Indigenous mortality [7][9][10]. The initial responses of Indigenous people to the arrival of the First Fleet were apparently quite peaceful. It didnt take long, however, before conflict started to occur initially over access to fish stocks and then over access to other resources as non-Indigenous people started to plant crops and introduce livestock. This pattern of conflict was almost certainly widespread as non-Indigenous people spread across the country. Conflict escalated in many places, in some instances resulting in overt massacres of Indigenous people. The 1838 massacre at Myall Creek (near Inverell, NSW) is the most infamous [11], but less well-known massacres occurred across Australia [10]. As Bruce Elder notes, as painful and shameful as they are, the massacres should be as much a part of Australian history as the First Fleet, the explorers, the gold rushes and the bushrangers ([10], p. vi). Prior to 1788, Indigenous people were able to define their own sense of being through control over all aspects of their lives, including ceremonies, spiritual practices, medicine, social relationships, management of land, law, and economic activities [12][13][14]. In addition to the impacts of introduced diseases and conflict, the spread of non-Indigenous peoples undermined the ability of Indigenous people to lead healthy lives by devaluing their culture, destroying their traditional food base, separating families, and dispossessing whole communities [3][4][7]. This loss of autonomy undermined social vitality, which, in turn, affected the capacity to meet challenges, including health challenges; a cycle of dispossession, demoralisation, and poor health was established. These impacts on Indigenous populations eventually forced colonial authorities to try to protect remaining Indigenous peoples. This pressure led to the establishment of Aboriginal protection boards, the first established in Vic by the Aboriginal Protection Act of 1869 [15]. A similar Act established the NSW Aborigines Protection Board in 1883, with the other colonies also enacting legislation to protect Indigenous populations within their boundaries. The protection provided under the provisions of the various Acts imposed enormous restrictions on the lives of many Indigenous people. These restrictions meant that, as late as 1961, in eastern Australia nearly one-third of all Australians recorded as being of Aboriginal descent lived in settlements ([16], p. 4). The provisions of the Acts were also used to justify the forced separation of Indigenous children from their families by compulsion, duress or undue influence ([15], p. 2). The National Inquiry into the separation of the children concluded that between one-in-three and one-in-ten Indigenous children were forcibly removed from their families and communities in the period from approximately 1910 until 1970 ([15], p. 31). It was the 1960s, at the earliest, when the various protection Acts were either repealed or became inoperative. The importance of contemporary social determinants and cultural concepts of Indigenous health The health disadvantages experienced by Indigenous people can be considered historical in origin [14], but perpetuation of the disadvantages owes much to contemporary structural and social factors, embodied in what have been termed the social determinants of health [1][17][18]. In broad terms, economic opportunity, physical infrastructure, and social conditions influence the health of individuals, communities, and societies as a whole. These factors are specifically manifest in measures such as education, employment, income, housing, access to services, social networks, connection with land, racism, and incarceration. On all these measures, Indigenous people suffer substantial disadvantage. For many Indigenous people, the ongoing effects of protection and the forced separation of children from their families compound other social disadvantages. It is also important in considering Indigenous health to understand how Indigenous people themselves conceptualise health. There was no separate term in Indigenous languages for health as it is understood in western society [19]. The traditional Indigenous perspective of health is holistic. It encompasses everything important in a persons life, including land, environment, physical body, community, relationships, and law. Health is the social, emotional, and cultural wellbeing of the whole community and the concept is therefore linked to the sense of being Indigenous. This conceptualisation of health has much in common with the social determinants model and has crucial implications for the simple application of biomedically-derived concepts as a means of improving Indigenous health. The reductionist, biomedical approach is undoubtedly useful in identifying and reducing disease in individuals, but its limitations in addressing population-wide health disadvantages, such as those experienced by Indigenous people, must be recognised. Indicators of Indigenous social disadvantage. The key measures in these areas for Indigenous people nationally include: Education According to 2011 Australian Census [20]: 92% of 5 year-old Indigenous children were attending an educational institution 1. 6% of the Indigenous population had not attended school compared with 0. 9% of the non-Indigenous population 29% of Indigenous people reported year 10 as their highest year of school completion; 25% had completed year 12, compared with 52% of non-Indigenous people 26% of Indigenous people reported having a post-school qualification, compared with 49% of non-Indigenous people 4. 6% of Indigenous people had attained a bachelor degree or higher, compared with 20% of non-Indigenous people. An ABS school report [21] revealed, in 2011: the apparent retention rate for Indigenous students from year 7/8 to year 10 was 99%, from year 7/8 to year 12 it was 49% for non-Indigenous students, the apparent retention rate from year 7/8 to year 10 was 101%; and from year 7/8 to year 12 it was 81%. The 2011 national report on schooling in Australia [22] showed: 76% of Indigenous students in year 3 and 66% in year 5 were at or above the national minimum standard for reading, compared with 95% and 93% respectively of all Australian students 80% of year 3 Indigenous students and 69% of year 5 Indigenous students were at or above the national minimum standard for persuasive writing, compared with 96% of all year 3 students and 94% of all year 5 students 72% of year 3 Indigenous students and 69% of year 5. Indigenous students were at or above the national minimum standard for spelling, compared with 94% of all year 3 students and 93% of all year 5 students 71% of year 3 Indigenous students and 65% of year 5 Indigenous students were at or above the national minimum standard for grammar and punctuation, compared with 94% of all year 3 students and 94% of all year 5 students 84% of Indigenous students in year 3 and 75% in year 5 were at or above the national minimum standard for numeracy, compared with 96% and 96% respectively of all Australian students. Employment According to the 2011 Australian Census [20]: 42% of Indigenous people aged 15 years or older were employed and 17% were unemployed. In comparison, 61% of non-Indigenous people aged 15 years or older were employed and 5% were unemployed the most common occupation classification of employed Indigenous people was labourer (18%) followed by community and personal service workers (17%). The most common occupation classification of employed non-Indigenous people was professional (22%). Income According to the 2011 Australian Census [20]: the mean equivalised gross household income for Indigenous persons was around $475 per week approximately 59% of that for non-Indigenous persons (around $800). Indigenous population Based on information collected as a part of the 2011 Census of Population and Housing, the ABS has estimated the Aboriginal and Torres Strait Islander population at 669,736 people at 30 June 2011 [23]. The estimated population for NSW was the highest (208,364 Indigenous people), followed by Qld (188,892), WA (88,277), and the NT (68,901) (Table 1). The NT has the highest proportion of Indigenous people among its population (29. 8%) and Vic the lowest (0. 9%). Table 1: Estimated Indigenous population, by jurisdiction, Australia, 30 June 2011 JurisdictionIndigenous population (number)Proportion of Australian Indigenous population (%)Proportion of jurisdiction population (%) Source: ABS, 2012 [23] Notes: Preliminary estimates are subject to revision; population projections are expected to be finalised by 2014 Australian population includes Jervis Bay Territory, the Cocos (Keeling). Islands, and Christmas Island Proportions of jurisdiction population have used total population figures estimated from demographic information for June 2011 NSW208,36431. 12. 9 Vic47,3277. 10. 9 Qld188,89228. 24. 2 WA88,27713. 23. 8 SA37,3925. 62. 3 Tas24,1553. 64. 7 ACT6,1670. 91. 7 NT68,90110. 329. 8. Australia669,736100. 03. 0 There was a 21% increase in the number of Indigenous people counted in the 2011 Census compared with the 2006 Census2 [24]. The largest increases were in the ACT (34%), Vic (26%), NSW (25%) and Qld (22%). For all jurisdictions, the 55 years and over age-group showed the largest relative increase. There are two structural reasons contributing to the growth of the Indigenous population: the slightly higher fertility rates of Indigenous women compared with the rates of other Australian women (see Births and pregnancy outcome); and the significant numbers of Indigenous babies born to Indigenous fathers and non-Indigenous mothers. Two other factors are considered likely to have contributed to the increase in people identifying as Indigenous: changes in enumeration processes (i. e. more Indigenous people are being captured during the census process); and changes in identification (i. e. people who did not previously identify as Indigenous in the census have changed their response). Based on the 2011 Census, around 33% of Indigenous people lived in a capital city [25]. Detailed information about the geographic distribution of the Indigenous population for 2011 is not yet available, but figures from the 2006 Census indicated that the majority of Indigenous people lived in cities and towns [26]. Slightly more than one-half of the Indigenous population lived in areas classified as major cities or inner regional areas, compared with almost nine-tenths of the non-Indigenous population. (As well as these two classifications of remoteness in terms of access to goods and services and opportunities for social interaction, the Australian Standard Geographical Classification (ASGC) has four other categories: outer regional, remote, very remote, and migratory [27]. ) Almost one-quarter of Indigenous people lived in areas classified as remote or very remote in relation to having very little access to goods, services and opportunities for social interaction ([28], p. 3). Less than 2% of non-Indigenous people lived in remote or very remote areas [26]. In terms of specific geographical areas, more than one-half (53%) of all Indigenous people counted in the 2011 Census lived in nine of the 57 Indigenous regions (based largely on the former Aboriginal and Torres Strait Islander Commission (ATSIC) regions) [25]. The three largest regions were in eastern Australia (Brisbane, NSW Central and the North Coast, and Sydney-Wollongong), which accounted for 29% of the total Indigenous population. According to the 2011 Census, around 90% of Indigenous people are Aboriginal, 6% are Torres Strait Islanders, and 4% people identified as being of both Aboriginal and Torres Strait Islander descent [25]. Around 63% of Torres Strait Islander people3 lived in Qld; NSW was the only other state with a large number of Torres Strait Islander people. The Indigenous population is much younger overall than the non-Indigenous population (Figure 1) [23]. According to estimates from the 2011 Census, at June 2011 about 36% Indigenous people were aged less than 15 years, compared with 18% of non-Indigenous people. About 3. 4% of Indigenous people were aged 65 years or over, compared with 14% of non-Indigenous people. Figure 1. Population pyramid of Indigenous and non-Indigenous populations, 30 June 2011 Population pyramid of indigenous and non-indigenous populations, 2011 Source: ABS, 2012 [23] References Carson B, Dunbar T, Chenhall RD, Bailie R, eds. (2007) Social determinants of Indigenous health. Crows Nest, NSW: Allen and Unwin Jackson LR, Ward JE (1999) Aboriginal health: why is reconciliation necessary?. Medical Journal of Australia; 170(9): 437-440 Butlin NG (1993) Economics and the dreamtime : a hypothetical history. Melbourne: Cambridge University Press Campbell J (2002) Invisible invaders: smallpox and other diseases in Aboriginal Australia 1780-1880. Melbourne: Melbourne University Press Webb S (2009) Palaeopathology of Aboriginal Australians: health and disease across a hunter-gatherer continent. Cambridge: Cambridge University Press Anderson W (2007). The colonial medicine of settler states: comparing histories of Indigenous health. Health and History; 9(2): 144-154 Butlin NG (1983) Our original aggression : Aboriginal populations of southeastern Australia, 1788-1850. Sydney: Allen Unwin Thomson N (1991) Tuberculosis among Aborigines. In: Proust AJ, ed. History of tuberculosis in Australia, New Zealand and Papua New Guinea. Canberra, ACT: Brolga Press: 61-67 Reynolds H (1982) The other side of the frontier: Aboriginal resistance to the European invasion of Australia. Ringwood, Victoria: Penguin Books Elder B (2003) Blood on the wattle: massacres and maltreatment of Aboriginal Australians since 1788. 3rd ed. Frenchs Forest, N. S. W: New Holland Harrison B (1978) The Myall Creek massacre. In: McBryde I, ed. Records of times past : ethnohistorical essays on the culture and ecology of the New England tribes. Canberra: Australian Institute of Aboriginal Studies: 17-51 Howitt R (2001) Rethinking resource management : justice, sustainability and Indigenous peoples. London: Routledge Hunter E (1993) Aboriginal health and history: power and prejudice in remote Australia. Cambridge: Cambridge University Press Saggers S, Gray D (1991) Aboriginal health and society: the traditional and contemporary Aboriginal struggle for better health. North Sydney: Allen and Unwin National Inquiry into the Separation of Aboriginal and Torres Strait Islander Children from their Families (1997) Bringing them home: report of the National Inquiry into the Separation of Aboriginal and Torres Strait Islander Children from their Families. Retrieved 17 November 2011 from http://www. humanrights. gov. au/pdf/social_justice/bringing_them_home_report. pdf Long JPM (1970) Aboriginal settlements: a survey of institutional communities in eastern Australia. Canberra: Australian National University Press Marmot M (2004) The status syndrome: how social standing affects our health and longevity. New York: Holt Paperbacks Wilkinson R, Marmot M (2003) Social determinants of health: the solid facts. Denmark: World Health Organization National Aboriginal Health Strategy Working Party (1989) A national Aboriginal health strategy. Canberra: Department of Aboriginal Affairs Australian Bureau of Statistics (2012) Census of population and housing: characteristics of Aboriginal and Torres Strait Islander Australians, 2011. Canberra: Australian Bureau of Statistics Australian Bureau of Statistics (2011) Schools, Australia, 2010. Canberra: Australian Bureau of Statistics Australian Curriculum Assessment and Reporting Authority (2011) National Assessment Program Literacy and Numeracy: achievement in reading, persuasive writing, language conventions and numeracy: national report for 2011. Sydney: Australian Curriculum Assessment and Reporting Authority Australian Bureau of Statistics (2012) Australian demographic statistics, March quarter 2012. Canberra: Australian Bureau of Statistics Yap M, Biddle N (2012) Indigenous fertility and family formation: CAEPR Indigenous population project: 2011 census papers. Canberra: Centre for Aboriginal Economic Policy Research Australian Bureau of Statistics (2012) Census of population and housing counts of Aboriginal and Torres Strait Islander Australians, 2011. Canberra: Australian Bureau of Statistics Australian Bureau of Statistics (2010) Population characteristics.

Distinguishing Fear From Anxiety

Distinguishing Fear From Anxiety Introduction Anxiety disorders constitute the largest group of mental diseases in European countries {Andlin-Sobocki et al., 2005, Eur J Neurol, 12 Suppl 1, 1-27}. Human anxiety disorders can be categorized into generalized anxiety disorders, panic attacks, Posttraumatic stress disorders (PTSD), Obsessive-compulsive disorder (OCD) and special phobias, are amongst the most prevalent with a 28% lifetime prevalence and an incidence of 18% {Kessler et al., 2005, Arch Gen Psychiatry, 62, 617-27}. Pathological expression of both fear and anxiety are thought to represent certain aspects of anxiety disorders. Specific phobias are considered, as fear disorders, whereas generalized anxiety is viewed as an example of anxiety disorders.   PTSD patients do not only suffer from conditioned fear symptoms to discrete cues that act as a reminder of a previous trauma, but they also exhibit persistent symptoms of sustained anxiety. The regulation of fear and anxiety is the heart of many psychopathological di sorders also reflected in the extremely high comorbidity rate with other mood disorders, such as depression. Up to 90% of individuals expressing an anxiety disorder also develop depression, which could increase suicide rates (Gorman, 1997) and constitutes a significant problem for the community in general. Currently available pharmacotherapies such as selective serotonin reuptake inhibitors (SSRIs) and tricyclic antidepressants (TCAs), have emerged as effective alternatives to the benzodiazepines and have been paralleled by a similar growth in effective and available psychological treatments, particularly cognitive and cognitive-behavioural therapy. A considerable portion of patients, however, requires long-term treatment throughout the whole life or does not respond at all. For coping with these limitations, focusing on a better understanding of these diseases and improved treatment is urgently needed. Distinguishing fear from anxiety Fear Vs Anxiety Fear- Behavioural manifestation associated with clearly identified imminent threat. Anxiety- Generalized fear without object, an apprehensive anticipation of future potential threats The main function of fear and anxiety is to act as a signal of danger, threat, or motivational conflict, and to trigger appropriate adaptive responses. For some authors, fear and anxiety are indistinguishable, whereas others believe that they are distinct phenomena. In particular fear is a generalized adaptive state of apprehension to an imminent threat (Michael Davis, 2010). It begins rapidly and dissipates rapidly once a threat is removed. Fear is provoked by imminent and real danger, Animals may learn to fear situations in which they have previously been exposed to pain or stress, and subsequently show avoidance behavior when they re-encounter that situation. Young animals may show an innate fear reaction to sudden noise or disturbances in the environment, but rapidly become habituated to them. When they are used to a familiar environment, then a fear of novelty may develop. Ethologists have also made the important observation that fear is often mixed up with other aspects of moti vation. Thus, conflict between fear and approach behavior may results in displacement activities (e.g., self-grooming in rats and mice). Such displacement activities may be the behavioral expression of an anxious state. In contrast anxiety is often elicited by less specific and less predicable threats (Michael Davis, 2010). Anxiety is a generalized response to an unknown threat or internal conflict, whereas fear is focused on known external danger. It has been suggested, anxiety can only be understood by taking into account some of its cognitive aspects, particularly because a basic aspect of anxiety appears to be uncertain. Originally, anxiety is associated with arousal and vigilance, as a result it can be defined as longer lasting state of apprehension that can become pathological if its become extreme.    Defense and coping strategies Fear or anxiety, result in the expression of a range of adaptive or defensive behaviors, which are aimed to escape from the source of danger or motivational conflict. These behaviors depend on the context and the repertoire of the species. Fight or flight, was coined exactly 75 years ago, in 1929, Walter Cannon originally formulated this term for the human response to threat, Fear and anxiety. The phrase fight or flight has influenced the understanding and expectations of both clinicians and patients. However, both the order and the completeness of Cannons famous phrase are suspect. Fight or flight mischaracterizes the ordered sequence of responses that mammals exhibit as a threat escalates or approaches. In recent years, ethologists working with nonhuman primates have clearly established distinct fear responses that proceed sequentially in response to increasing threat. The order of these responses may have important implications for understanding and treating acute stress in humans . The sequence, originally described by Jeffrey A. Gray, begins with what ethologists call the freeze response or freezing, terms corresponding to what clinicians typically refer to as hypervigilance (being on guard, watchful, or hyper-alert). This initial freeze response is the stop, look, and listen response associated with fear. The survival advantage of this response is obvious. Specifically, ethological research has demonstrated that prey that remains frozen during a threat are more likely to avoid detection because the visual cortex and the retina of mammalian carnivores primarily detect moving objects rather than color. Immobilization or freezing, are usually elicited when the threat is inescapable, and is characterized by autonomic inhibition (hypotension, bradycardia), and a more pronounced increase in the neuroendocrine response activation of the hypothalamopituitary-adrenal axis and increased glucocorticoid secretion. This type of passive response was originally described by Engel Schmale as a conservation-withdrawal strategy. The concept of alternative (active/passive) strategies itself owes much to the work of Henry and coworkers. Specific brain circuits appear to mediate distinct coping reactions to different types of stressors. Psychopathological fear/anxiety Although fear acts as a physiological signal of danger, threat, or motivational conflict, it can become pathological and interfere with the ability to survive. Development of specific anxiety disorders, i.e., social phobia, obsessive-compulsive and panic disorders or specific phobias are consequences of pathological fear expression. Anxiety disorders are marked by excessive future fear, often in response to specific objects or situations and in the absence of a true danger. Anxiety disorders are extremely common in the general population. According to a recent epidemiological study, the lifetime prevalence of any anxiety disorder is 28.8% (Kessler et al, 2005). Increased anxiety in animal models, as a trait, can be attributed to at least two sets of factors: (i) a genetic predisposition, essentially linked to the expression of genes that are involved in the various neurochemical mechanisms underlying fear and anxiety; and (ii) the influence of environmental factors. These environmental factors can interact with the expression of the relevant genes during early development and determine the functional properties of the neural and biochemical systems involved in coping with stressful events. They can also modulate the learning processes that occur at a later stage, when the individual is confronted with various life events, and determine the capacity to cope successfully with aversive or threatening situations in adulthood. These predisposing factors, either innate or acquired, determine individual affective styles or coping strategies, which are thought to play an important role in vulnerability to psychopathology. Brain structures and functional circuitry involved in fear/anxiety Limbic System: Emotional brain Limbic areas include the hippocampus (HPC), amygdala, cortex, thalamus, hypothalamus and the bed nucleus of striaterminalis (BNST). Hippocampus and amygdala are considered as a main area involves in emotion, but I will mainly focus on the amygdala. Hippocampus The hippocampus is a part of the forebrain, located in the medial temporal lobe. The hippocampus consists of the dentate gyrus, the Cornu Ammonis fields (CA1-CA3), and the subiculum. The main information input to the hippocampus is via the entorhinal cortex and the main information output from the hippocampus is via the subiculum. Between entorhinal cortex and subiculum, three major pathways of the hippocampus are described. The perforant pathway from entorhinal cortex forms excitatory connections with the granule cells of the dentate gyrus (Bliss and Lomo, 1973). The mossy fiber pathway, formed by the axons of the granule cells of the dentate gyrus, connects the granule cells with the pyramidal cells in the area CA3 of the hippocampus (Lu et al., 1997). The Schaffer collateral pathway connects the pyramidal cells of the CA3 region with the pyramidal cells in the CA1 region of the hippocampus (Collingridge et al., 1983). Amygdala The amygdala is a limbic system structure and is a key target area implicated in emotional processing. It is composed of several interconnected nuclei located in the medial temporal lobes in mammals and is reciprocally linked to sensory cortices, thalamus, and autonomic control centers (Sah et al., 2003). Its internal and external connections permit the amygdala to evaluate environmental stimuli, attach salience to them, then generate appropriate autonomic, endocrine, and behavioral responses (Adolphs, 1999; Rogan LeDoux, 1996; Walker Davis, 2002). In addition, the amygdala is involved in detecting and evaluating emotional expression (Adolphs, 1999). The lateral nucleus of the amygdala (LA) has been implicated as the critical area where sensory stimuli achieve emotional salience. Consequently, the amygdala is needed for proper emotional processing, as in fear and anxiety, memory, and attention (Davis, 1997; Keele, Hughes, Blakeley, Herman, 2008; LeDoux, Cicchetti, Xagoraris, Roma nski, 1990). Plasticity in neurotransmission is important in maintaining the emotional significance of stimuli we encounter (Ehrlich, 2009). However, if those synapses and circuits become super-sensitized, what was once adaptive emotional behaviors can become psychopathologies, such as anxiety disorders and depression (Keele, 2005; Rosen Shulkin, 1998). Amygdala structure The amygdaloid complex is comprised of 13 nuclei, which are further divided into 3 groups: the basolateral complex, the cortical nuclei, and the centromedial nuclei. The basolateral complex is composed primarily of the basolateral (BLA) and lateral (LA) amygdala nuclei (Keele et al., 2008; Sah et al., 2003). Neuroanatomical studies reveal that there are extensive internuclear and reciprocal intranuclear connections (Pitkanen, Savander, LeDoux, 1997). Physiological studies further suggest that the amygdala nuclei are primarily individual functional units with the flow of information through the amygdala being highly organized, as seen in fear conditioning studies (LeDoux, 2000). Sensory afferents (context + tone) terminate in the LA (Romanski, Clugent, Bordi, LeDoux, 1993). The information proceeds in a predominantly unidirectional flow from the lateral to medial at which point the LA sends glutamatergic projections to the central nucleus of the amygdala (CeA), as well the BLA and o ther nuclei (Sah et al., 2003; Pitkanen et al., 1997; Smith Par eacute;, 1994). The CeA, where much of the amygdala nuclei projections converge and insubstantial intra-amygdaloid fibers exit, constitutes the output of the amygdala (Sah et al., 2003; Pitkanen et al., 1997). Two main cell types have been described morphologically and physiologically in the BLA (Rainnie, Asprodini, Shinnick-Gallagher, 1993; Sah et al., 2003). The first type is glutamatergic projection neurons that give off collaterals within the nucleus. They account for 70% of the neuronal population (McDonald, 1982). Their secondary and tertiary dendrites appear spiny, distinguishing them from the other neuronal type (Sah et al., 2003). In the LA, pyramidal neurons account for about 95% of the population. Pyramidal neurons show broad action potentials and spike frequency accommodation of varying degrees, and express N-methyl-D-aspartic acid (NMDA), a-amino-3-hydroxy-5-methyl-4-isoxazolepropionic acid (AMPA), and k ainate receptors. Main input to these neurons is cortical and thalamic, but they are highly modulated by interneurons and monoaminergic afferents from brain stem nuclei (Marowsky, Yanagawa, Obata, Vogt., 2005; Rainnie, 1999; Sah et al., 2003; Sullivan, Coplan, Kent, Gorman, 1999). The second type of neurons is interneurons, also called stellate cells (Sah et al., 2003). They account for 5-10% of the neurons in the BLA and are local circuit gamma-aminobutyric acid (GABA) releasing cells with short duration action potentials and no spike frequency accommodation. AMPA receptors are expressed but NMDA receptors are reportedly absent (Sah et al., 2003). Like the projection neurons, input is cortical and thalamic with modulatory input from brainstem nuclei (Lang and Par eacute;, 1998). Afferent and Efferent Connectivity Amygdala innervation consists of sensory input from the thalamus and cerebral cortex and autonomic input from the hypothalamus and brain stem (Keele et al., 2008; Sah et al., 2003). All sensory modalities glutamatergically project to the amygdala via the thalamus, sensory cortices, association cortices, and other polymodal cortical areas (McDonald, 1998; Romanski LeDoux, 1993; Sah et al., 2003). Brain stem projections provide monoaminergic modulation of the amygdala. There is extensive serotonergic innervation from the dorsal raphe nucleus (DRN), dopaminergic innervation from the ventral tegmental area, and noradrenergic innervation from the locus coeruleus (Clayton Williams, 2000;Marowsky et al., 2005; McIntyre, Power, Roozendaal, McGaugh, 2003; Rainnie, 1999). Main output of the amygdala is projected from the CeA. Lesion and stimulation studies have shown cortical, hypothalamic, and brain stem regions to be target areas, directly and indirectly through projections to the bed nuc leus of the stria terminalis (Iwata, Chida, LeDoux, 1987; LeDoux, Iwata, Cicchetti, Reis, 1988; LeDoux, 2000; Sah et al., 2003; Turner, Mishkin, Knapp, 1980; Walker Davis, 2002). CeA efferents modulate specific behavioral and autonomic responses to fear, anxiety, and stress (Davis, 1997; Rosen Schulken, 1998; Sah et al., 2003). The CeAs connection to the hypothalamus allows activation of the sympathetic nervous system, such as an increase in heartbeat, galvanic skin response, and pupil dilation in response to fear. For inducing behavioral responses to fear, there are projections from the CeA to brainstem nuclei. For instance, connections with the periaqueductal gray induce freezing behavior and with the nucleus reticularis pontis caudalis (PnC) increase acoustic startle response (Davis, 1992). The brainstem innervation is so extensive that the amygdala contacts almost every brainstem region involved in autonomic functioning (Keele et al., 2008; LeDoux, 1992; Price, 2003). Behavioral Function The amygdalas contribution to emotion has long been documented. Initially, monkey bilateral temporal lobectomy studies performed by Klà ¼ver and Bucy (1937 1939), resulted in agnosia, hyperorality, hypersexuality, social withdrawl, difficulty recognizing emotionality of objects, and placidity. This became known as Klà ¼ver-Bucy syndrome. In following amygdalectomy studies a loss of fear, aggression, and normal social interactions with an increase in exploration was found (Goddard, 1964; Aggleton Young, 2000). Rodent lesion studies further demonstrated decreased active fear avoidance (Poremba Gabriel, 1999) and decreased passive conditioned fear response (Roozendaal, Koolhaas, Bohus, 1993), for instance, amygdala lesioned rats fail to show freezing behavior in the presence of danger, such as a cat (Blanchard Blanchard, 972). Specific lesioning of the lateral nucleus of the amygdala blocked conditioned fear (LeDoux et al., 1990). Amygdalectomized humans also show impairments in fear conditioning (LaBar, LeDoux, Spencer, Phelps, 1995). Additionally, human subjects do not recognize fear from facial expressions, voices, (Adolphs, Tranel, Damasio, Damasio, 1995), or music (Gosselin et al., 2005), and judge deceitful looking individuals as trustworthy (Adolphs, Tranel, Damasio, 1998). Stimulation and activation studies further corroborate amygdala lesion evidence. Human amygdala stimulation often produces observable fear responses as well as subjective feelings of fear (for review see Davis, 1992). Functional magnetic resonance imaging (fMRI) further shows activation of the amygdala during viewing of fearful faces (Rosen Donley, 2006) and following fear conditioning when the conditioned stimulus is presented (LaBar, Gatenby, Gore, LeDoux, Phelps, 1998). In animals, amygdala stimulation shows an increase in behaviors, such as, vigilance, attention, and arousal (Rosen Schulkin, 1998) and an increase in autonomic responding; such as, respiration, heart rate, and blood pressure (for review see Davis, 1992). Additional emotions reported in humans have been anger and rage (Joseph, 2000). One female subject displayed enraged facial expressions, lips retracted and grimacing, then progressed to aggressive behavior and attack (Mark, Ervin, Sweet, 1972). These are emotional behavior autonomic responses that are often a component of the fear response. Fear Conditioning and Long-Term Potentiation One commonly used technique for studying amygdala function in both animals and humans is conditioned fear learning (Bà ¼chel, Morris, Dolan, Friston, 1998; Walker Davis 2002). To accomplish this type of learning a neutral sensory stimulus (conditioned stimulus or CS, often a light or tone) is paired with a noxious stimulus (unconditioned stimulus or US) such as a mild electric shock. Upon repeated US-CS pairing the learned association between the two stimuli elicits a behavioral response (conditioned response or CR) that can last indefinitely with o nly a few pairings (Maren, 2005). The convergence of the cortical sensory input and thalamic relays from the spinothalamic tract in the amygdala as well as the abolishment of learned fear response after amygdala lesions implicate it as the site for conditioned fear learning (LeDoux et al., 1990; Ledoux, 2000). The learned association as well as the fear behavioral response is seen across many species and has been extensively studied in rats, cats, primates, and humans. The neural mechanisms have also been conserved across these animal species and probably humans as well (LeDoux, 1996; Price, 2003). Long-term potentiation (LTP) functions as a mechanism for increasing synaptic strength between two neurons. Experimentally it can be induced by tetanic stimulation of afferent fibers; however, naturally occurring similar mechanisms are induced in the LA during conditioned fear learning (McKernan Shinnick-Gallagher, 1997; Rogan LeDoux, 1996; LeDoux, 2000). Support comes from the observat ion that before conditioning, neurons in the LA respond to CS and US input. After conditioning, the postsynaptic neurons response to the CS is greatly enhanced. This suggests that fear conditioning provides a suitable means for examining amygdala synaptic plasticity and fear circuitry. The proposed LTP molecular mechanism initiating fear conditioning is that the CS induces a release of glutamate, which activates the glutamatergic receptors on postsynaptic LA neurons. The US further depolarizes the neurons causing the release of the Mg2+ block in the NMDA receptors (NMDARs) allowing an influx of Ca2+. The additional Ca2+ initiates second messenger cascades that are responsible for the increased neuronal response to the CS. Blocking NMDARs with the antagonist DL-2-amino-5- phosphonovalerate (APV) prevents the acquisition of fear conditioning. If APV is delivered after training it does not affect the consolidation of the fear memory further supporting the necessary involvement of NMDAR s in the LTP mechanism. Ca2+ influx due to L-type voltage-gated calcium channels (L-VGCCs) is also required for the association to occur. The L-VGCCs may be opening in response to the strong depolarization from the US, especially when postsynaptic spiking and back-propagating action potentials occur. How learned fear memories are acquired and the mechanisms involved is essential to understanding normal amygdala functioning. Fear conditioning provides a means for studying dysfunction of fear circuitry and the resulting abnormal fear behaviors. Fear circuitry receives intense inhibitory modulation. When the inhibition is removed the fear conditioning mechanisms, such as LTP, are unmodulated and the circuitry enters a hyperexcited state. This could potentially lead to abnormally enhanced fear associations resulting in heightened fear responses. Manipulating the fear circuitry by altering inhibitory modulators and then assessing the fear behavior responses could elucidate the mechanisms leading to fear and anxiety disorders. Neuropeptide Y (NPY) system: Involvement in fear and anxiety NPY: Overview Neuropeptide Y(NPY) was isolated from porcine brain more than two decades ago (Tatemoto et al., 1982). This 36-amino-acid residue is one of the most abundant peptides found in the central nervous system (CNS) of all mammals, including humans {Chan-Palay et al., 1985; Chan-Palay et al., 1986}. It is one of the most conserved peptides in evolution (Larhammar, 1996; Larhamar and Salaneck, 2004), suggesting an important role in the regulation of basic physiological functions (Larhammar et al., 1993). At present, five NPY receptor subtypes have been cloned and designated-Y1, Y2, Y4, Y5, and y6 (Dumont et al., 1993; Gehlert, 1994; Michel et al., 1998)-all of which couple to Gi/o proteins and inhibit the production of cyclic AMP (Palmiter et al., 1998). NPY has important modulatory functions in the immune and cardiovascular systems (Song et al., 1996; Michalkiewicz et al., 2001), circadian rhythms (Antonijevic et al., 2000; Yannielli and Harrington, 2001), food intake (Jolicoeur et al., 199 5), and seizure (Husum et al., 1998; Colmers and El Bahh, 2003) and the response to pain (Munglani et al., 1996). NPY is involved in anxiety related behaviors (Thorsell and Heilig, 2002), and there is increasing support for the role of NPY in mood disorders such as depression (Redrobe et al., 2002a). It is constantly reported that NPY producing anxiolytic-like effect and can be observed different battery of behavioral tests like elevated plus maze, light dark, open field, and stressed induced hyperthermia. Consistent findings across different rodent modes have been proving the true anxiolytic effect of NPY. The presence of different NPY receptors and the plethora of NPY-induced behavioral effect raise the question as to whether NPY and its receptors have an effect on fear, and extinction of conditioned fear. The NPY Y1 receptors can be found in number of brain regions but prominent in cerebral cortex, amygdala, and hippocampus (Kask et al., 2002). The majority of studies have been proved the involvement of NPY Y1 receptor in the regulation of anxiety. In the present study I am focusing on fear reducing properties of NPY following the hypothesis that anxiolytic-like effect of NPY mediated my Y1 receptors.