37 Quotes on Trust That Will Make You Think

37 Quotes on Trust That Will Make You Think Trust is a highly valuable asset that can either make or break a person especially the relationships they have with their family and have built with their friends, workplace colleagues, clients, and bosses. Trust is as fragile as glass, in which it is easy to break and very hard to get back.You have to understand that there are people who will remain loyal and loving to you like your parents, siblings and certain family members in general, but you will also come across those who may say by mouth that they won’t break a promise but do so anyway.There are also times when that trust is soiled by a family member as well.Here are some of the best quotes around that will help you think about the role of trust in life as well as leadership:1.  It takes 20 years to build a reputation and five minutes to ruin it. Warren BuffettMeaning: It takes a very long time to build a foundation of trust, leadership, and commitment with someone or a group of people in which one undesirable act can chan ge everyone’s view about a person or an organization for the worse.2.  The glue that holds all relationships togetherincluding the relationship between the leader and the ledis trust, and trust is based on integrity. Brian TracyMeaning: Trust is like the glue that holds every crucial relationship in place, be it family or business. And trust in business is based on integrity, which is defined by having strong moral principles and above all, being honest.3. A single lie discovered is enough to create doubt in every truth expressed.Meaning: All it takes is one tiny lie to change your perspective on the person you thought you could trust the most in your life. It may even be possible for you to never trust that person ever again.4. We need people in our lives with whom we can be as open as possible. To have real conversations with people may seem like such a simple, obvious suggestion, but it involves courage and risk. Thomas MooreMeaning: This quote couldn’t be as simple and str aightforward as it already is. We truly need people with whom we not only can be open with but also have real meaningful conversations with. And though it may seem simple in thought, it is not so much so in practice. That’s because such things require courage and trust as the most essential pieces to make this work.5. “Self-trust is the essence of heroism” Ralph Waldo EmersonMeaning: No one else is going to help you get positive results in life but you yourself. Others may not have faith or trust in what you want to do in life, but if you have faith in yourself and stick with it, then it may likely come true.6. Trust is like blood pressure. Its silent, vital to good health, and if abused it can be deadly. Frank Sonnenberg, author of Follow Your ConscienceMeaning: Another quote about just how fragile trust can be. Here, it’s both silent and vital to one’s good health and if abused, can be very detrimental.7. “Don’t trust the person who has broken faith once.” â€" Wi lliam ShakespeareMeaning: Lying can be so disastrous that once it’s done, it can be very hard or even impossible to ever trust the person who did it to you.8. Better to trust the man who is frequently in error than the one who is never in doubt. Eric SevareidMeaning: Trust isn’t perfect. It’s bound to be riddled with mistakes and flaws. But it’s far better to trust someone who acknowledges their flaws than those who never want to.9. “Trust takes years to build, seconds to break, and forever to repair.” UnknownMeaning: Trust is both fragile and expensive in that it takes seconds to break and a long time to rebuild. That’s why you have to be careful with whom you swear your trust to and stay committed to it.10. “Trust is like a mirror, you can fix it if it’s broken, but you can still see the crack in its reflection.” â€" Lady GagaMeaning: Once a trust with someone is broken, the scars are so deep that they are forever embedded in a person’s mind after being bet rayed. Nobody can undo what they have done in the past and must move forward to ensure it doesn’t happen again.11. “How can people trust the harvest unless they see it sown?” Mary RenaultMeaning: Believing something blindly may not just fill your head with doubts but also potentially hurt you in the end. You should not exchange feelings of trust or love with anyone unless you are certain they are worthy enough for it.12. “Ultimately, there can be no complete healing until we have restored our primal trust in life.” Georg FeuersteinMeaning: When we have felt the sting of betrayal deep in our hearts, we feel as if we may never trust anyone ever again. But that is only going to further agitate our feelings of depression. So we must re-establish hope and trust in the world if we are to ever able to move on with our lives.13. “It was a mistake,” you said. But the cruel thing was, it felt like the mistake was mine, for trusting you. â€" David LevithanMeaning: This is when we have been betrayed by the person we thought we could trust more than once and it comes to a point where we assume that it is our own fault for trusting that person again in spite of knowing about their past mistakes. It’s always best to keep your guard up before you let anyone get too close to you.14. “Trust starts with truth and ends with truth.” Santosh KalwarMeaning: This one quote goes to show you how valuable and priceless trust really is. It tells us that no matter what happens, we must always be honest and open about the people we dedicate our love and trust towards.15. “Trusting is hard. Knowing who to trust, even harder.” Maria V. SnyderMeaning: Someone you don’t know will always say they mean well, but it is honoring those very words that will make the ultimate difference. The process could take months, perhaps even years. That’s how hard and strenuous it can be to legitimately earn a person’s trust. Opening your heart to someone very soon will only hu rt you in the long-run.16. “After all, what does being in love mean if you can’t trust a person.” â€" Evelyn WaughMeaning: Love isn’t something that’s only built on hugs, kisses and other intimate acts, but the trust that comes with keeping a relationship strong and alive.17. “Im not upset that you lied to me, Im upset that from now on I cant believe you.” ? Friedrich NietzscheMeaning: A relationship can be so damaged to the point that nothing anyone says can ever fix it or return it to what it once was. And the idea that we were lied to by the person who solemnly swore would never lie to us at all runs too deep that it’s virtually impossible for us to forgive them.18. “If you give your trust to a person who does not deserve it, you actually give him the power to destroy you.” Khaled SaadMeaning: It’s never a good idea to let yourself be vulnerable to someone whom you have not known previously and who could very likely use your secrets to ruin or even destroy your life. If you are certain after some time that you can let them into your personal life, and if they swear to abide by your secrets, then it could be okay for you to open up to them some more. But take it slow before you do.19. “I do not trust words. I even question actions. But I never doubt patterns.” UnknownMeaning: People may at times be so good at lying that you may never tell it’s a lie. People can also fake their actions just as seamlessly, but the one thing they can’t fake are their patterns. So before you even think about trying to trust someone, pay attention to their patterns and look for any hints that seem odd or controversial. That’s how you can tell someone is taking advantage of you.20. The people when rightly and fully trusted will return the trust. Abraham LincolnMeaning: Such words of wisdom can only be spoken by one who is referred to as ‘Honest Abe.’ If you want people to trust you, you need to be honest and transparent with them first. Don†™t expect people to openly throw themselves at you for no reason because then it’s all wrong.21. “You may be deceived if you trust too much, but you will live in torment unless you trust enough.” â€" Frank CraneMeaning: It’s a fair quote that simply means you can’t be too trusting to others unless you want to be deceived just as you should be trusting enough just so you don’t live with regrets. If you trust someone, they may surely return the favor. But keep in mind that the results aren’t always as such.22. “I’m a good enough person to forgive you, but not stupid enough to trust you again.” UnknownMeaning: This quote simply indicates that the damage has been done and it’s time for both people to move on. We may be humble enough to forgive the person who lied to us, but not enough to trust them in our lives again.23. “Love all, trust a few.” â€" William ShakespeareMeaning: Don’t necessarily buy the ‘love all’ aspect of Shakespeare’s quote, but as f ar as the latter half of it goes, definitely. Nobody should force you to trust anyone, and if they do, chances are that they’re totally lying to you just so they can exploit your weaknesses.24. “Trust, but verify.” Ronald ReaganMeaning: Short sweet and to the point. Behind that cute face is a two-faced, double-crossing, swindling scoundrel who’s ready to do serious damage to your life as soon as you drop your guard.25. “Never trust someone who lies to you. Never lie to someone who trusts you.” â€" Deanna WadsworthMeaning: Couldn’t be any truer than this. We shouldn’t trust anyone who lies to us just as we shouldn’t lie to the one who trusts us. It’s a fair deal that we must adhere to for as long as we live.26. Trust is the lubrication that makes it possible for organizations to work. Warren BennisMeaning: The only way organizations can achieve the success that they strive for is if they’re completely open and trusting of their entire team. No morally-abiding employee would ever throw themselves for a company that doesn’t have faith in their skills and capabilities.27. Trust each other again and again. When the trust level gets high enough, people transcend apparent limits, discovering new and awesome abilities of which they were previously unaware. David ArmisteadMeaning: A little too specific, but the point has been established. You can’t operate a high-profile organization when you constantly give your employees the thought that you don’t have faith in their abilities. If you put your trust in them, then they may be able to deliver appropriate results. And once your trust in them reaches higher than ever, they can even go past their limits and discover new abilities that they weren’t aware of before.28. “When you fully trust someone without any doubt, you finally get one of two results: a person for life or a lesson for life.” UnknownMeaning: There are two sides to trust. One side gives you a person who will be with you for life and the other side leaves you with a harsh lesson that you will make you stronger than before. The latter lesson is betrayal and it will allow you to be more wary of people before you let them get too close to you.29. “Tell a lie once, and all your truths become questionable.” UnknownMeaning: All it takes is one slip up to ruin everyone’s perception of the person they assumed was authentic and transparent. It’s like the whole country becoming frustrated after finding out that their president had a shady past full of underhanded tactics and wrongdoings.30. “Trust is like an eraser; it gets smaller and smaller after every mistake” UnknownMeaning: Every lie or mistake that a person makes, ruins the overall image of trust that they’ve worked so hard to build for so many years.31. “It takes two people to make a lie work: the person who tells it, and the one who believes it.” â€" Jodi PicoultMeaning: Just pure, unadulterated fact being spoken right here. You k now that you have been lied to when the person you swore your trust to never held up their end of the bargain and that you believed them all the way before you even realized the truth.32. “Love is giving someone the power to destroy you, but trusting them not to.” UnknownMeaning: Trust is like a double-edged sword in which you don’t know whether you’re with someone who is going to love you forever or turn their backs on you when you least expect it. There’s no sure of knowing who’s right and who’s a louse, so the best thing you can do is hope or pray that it all turns out alright in the end.33. “There are only two types of people that tell the truth, the drunk and the angry…” UnknownMeaning: If the tirade that Mel Gibson went on in the past is any indication, it should be noted that people only tell the truth when they’re angry or drunk and not when they’re conscious.34. “My love is unconditional. My trust and my respect are not.” UnknownMeaning: You c an love someone unconditionally, but it doesn’t necessarily apply when you want to trust or respect someone, especially someone outside your family circle.35. “Stop asking me to trust you while I’m still coughing up water from the last time you let me drown.” UnknownMeaning: Yes, soiling someone’s trust could be like letting someone drown when they needed them the most. So the last thing a liar should do is ask the person they let down to trust them right after such an incident.36. “The Less You Trust, The Less You Get Hurt.” UnknownMeaning: This is so obvious that it should pass off as common sense. The less you open up to people around you, the less likely they’re going to harm or cheat you in the end. Not everyone is going to be warm or inviting to you when you meet them.37. “When you start to wonder whether you can trust someone or not, that is when you already know you don’t.” UnknownMeaning: Trust shouldn’t be like a piece of candy you’re handing o n a silver platter. It has to be carefully reserved for when you are 90% sure you can open yourself to the person that you think you can share your secrets with. And when you start having doubts, that is when you’re certain that the person is not worthy of being trusted.

ANALYSIS OF ADULT DATA SET USING ARTIFICIAL INTELLIGENCE TECHNIQUES - 5225 Words

ANALYSIS OF ADULT DATA SET USING ARTIFICIAL INTELLIGENCE TECHNIQUES (Coursework Sample) Content: ANALYSIS OF ADULT DATA SET USING ARTIFICIAL INTELLIGENCE TECHNIQUES 1.1 PROBLEM DESCRIPTION The given task is to resolve a data set by applying different analysis models on it. In the data set I have chosen, the problem/prediction task is to determine whether income exceeds $50K per year. 1.2 DATA DESCRIPTION The data set chosen for analysis of different Artificial Intelligence algorithms is "Adult Data Setà ¢Ã¢â€š ¬Ã‚ . It is extracted from the 1994 census bureau database. The extraction was done by Barry Becker. The description of the data set is given in the file "adult.names" of the data folder. The data folder provides two sets with the same type of data "adult data" and "adult testà ¢Ã¢â€š ¬Ã‚ . The former is used for training and the latter is used for testing. The total number of records in the file "adult.data" is 32561. The records in the file "adult.test" are 16281.Following are the properties of the dataset:Data set characteristics: MultivariateAttribute Characteristics: Categorical, IntegerNumber of instances: 48842Number of Attributes: 14Missing Values: IncludedClass variable is 50K, =50K whereas the attributes of the data set are as follows:Age, workclass, fnlwgt(final weight), education, education-num, marital status, occupation, relationship, race, sex, capital-gain, capital-loss, hours per week and native country. REASONS FOR CHOOSING THIS DATA SET: * Size of the data is 40,000 * Contains missing values * 14 attributes 1.3 APPROACH 1.3.1 SOFTWARES USED:The data set was tested and analyzed on the following two data analytics software. 1, KNIME: Konstanz Information Miner is an open source data analytics, reporting and integration platform. KNIME integrates various components for machine learning and data mining through its modular pipelining concept. A graphical user interface allows assembly of nodes for data preprocessing, for modeling and data analysis and visualization. KNIME is used in areas like CRM customer data analysis, business intelligence and financial data analytics. 2, WEKA: It is a data analytics platform, a software written in Java, that contains a collection of visualization tools and algorithms for data analysis and predictive modeling, with graphical user interfaces. It supports standard data mining tasks, like data preprocessing, clustering, classification, regression etc.We used the two above mentioned softwares for data analysis by applying the four different algorithms. Other softwares that can be used for this purpose are Rapid Miner, R-Programming, Orange, NLTK etc. 1.3.2 DISCUSSION OF MODELS APPLIED: These four models are applied for the analysis of data. 1, NAÃÆ' VE BAYES: NaÃÆ' ¯ve Bayes is a simple probabilistic classifier based on applying Bayes Theorem. It is a technique for constructing classifiers, models that assign class labels to problem instances. NaÃÆ' ¯ve Bayes classifiers assume that the value of a particular feature is independent of the value of any other feature, given the class variable. 2, DECISION TREE: A decision tree is a decision support tool that uses a tree-like graph or model of decisions and their possible consequences, including chance event outcomes, resource costs and utility. It is a way to display to an algorithm. Decision trees are commonly used in operations research, specifically in decision analysis to help identify a strategy most likely to reach a goal. 3, K-MEANS ALGORITHM: K-Means is a method for cluster analysis in data mining. It aims to partition n observations into k clusters in which each observation belongs to the cluster with the nearest mean, serving as a prototype of the cluster. 4, ARTIFICIAL NEURAL NETWORK: In machine learning, ANN is a statistical learning model inspired by biological neural networks (the central nervous system of the brain). It is used to estimate functions that depend on a large number of inputs and are generally unknown. ANNs are presented as systems of interconnected neurons which send messages to each other. The connections have numeric weights that can be tuned based on experience, making neural nets adaptive to inputs and capable of learning. Analysis based on these four models is explained later. 1.4 DATA PREPROCESSING: The following nodes are used for data preprocessing in the four different models applied. 2981325171450 1, FILE READER: Two files are used for loading the test data file as well as training data file. 368617546101002, STRING REPLACER: In training data, end salary is 50K. But in testing data it is 50K.. To convert K. to K I used the string replacer. It is used for pattern/value replacement. 4114800-4762503, MISSING VALUE: This node handles missing values found in the cells of the input table by performing any of these operations. Do nothing, remove row, min max or mean, most frequent or fix value. In our dataset I removed all the existing rows that contained any missing values. 33807402600325 4, CATEGORY TO NUMBER: This node made new columns after converting every string to an integer. 352425055810155, COLUMN RENAME: Learner requires column have values in size double. Column rename changes the name or type of each entity. I changed the type by using column rename. Integers were converted into double. 3162300-2578106, NORMALIZER: This node normalizes all values of numeric columns using any of these three methods: Min-max normalization, Z-score normalization and normalization by decimal scaling. I have used min-max normalization to normalize our data. 311467527051007, COLUMN FILTER: It removes the columns that are not required. I excluded string columns as they were converted into double. 332422559150258, COLOR MANAGER: It helps in giving unique colors to each cluster. 2.1 EXPERIMENTAL RESULTS AND ANALYSIS 2.1.1 EXPERIMENTAL SETUP We used Knime to create and to get the results of each model. I then used Weka to find out the attributes that made little contribution towards predicting the class. * NAIVE BAYES The file reader reads the data and is followed by a missing values node. Using this node, I removed any information that had missing values from our data set. This was followed by the Normalizer node which was used to normalize all values into a range from 0-1. This whole model was then learned by the Learner node. The entire procedure was carried out on the test data as well except that a String Replacer node was used. This node was used as in the training set, Salary   had values with a à ¢Ã¢â€š ¬Ã‹Å"K' while in the test set, it had values with a à ¢Ã¢â€š ¬Ã‹Å"K.'. Therefore, to standardize this difference and to make sure there were no errors in the evaluation, this node was used. The Predictor node was then used which used the normalized data of the test set, and the learned training model as inputs. This was followed by a Scorer node which displayed the Overall Accuracy and the Confusion Matrix of the model. Fig 1.1 displays the accuracy statistics obtained by the Naive Bayes scorer. Fig 1.1 * DECISION TREE The Decision Tree model followed the same path as the NaÃÆ' ¯ve Bayes model, except that it used the Decision Tree Learner and Predictor (which performed the same task as the NaÃÆ' ¯ve Bayes Learner and Predictor). The String Replacer node was also used and   a scorer was used to display the Confusion Matrix and Overall Accuracy of the model. Another difference between the Decision Tree Model and the NaÃÆ' ¯ve Bayes model is that I did not apply a Normalizer to our main model as the actual algorithm does not require a normalizer. However, I tested the model with a normalizer as well to compare the difference in our results with and without it. Fig 1.2 shows the accuracy statistics obtained. Fig 1.2 * K-MEANS The main difference between the K-Means model and the other three models was that I did not place the Normalizer, and Learner and Predictor nodes. Instead, I placed a K-Means node which outputs the cluster centers for a predefined number of clusters. The algorithm uses Euclidean distance on the attributes selected. This was followed by a Color Manager and the Scatter Plot node which creates a scatterplot of two selectable attributes. Each datapoint is displayed as a dot at its corresponding place, dependent on its values of the selected attributes. The dots are displayed in the color defined by the Color Manager. An Interactive Table node was also placed which displays the entire data in a table format. Fig 1.3displays the scatter plot and the interactive table obtained. Fig 1.3 Fig 1.4 displays the designs of the three models discussed so far. Fig 1.4 * ARTIFICIAL NEURAL NETWORK The model starts of the same as the previous two models discussed. However, after the Missing Values Node, a Category to Number Node was placed to convert all the Categorical data into Quantitative data, since this is one of the major requirements of the ANN model. Next, the data was passed through the Column Rename node which was used to convert Integer columns to Double type as Learner requires that columns have values in size double. Data was then passed through the Normalizer Node which was followed by MLP Learner and Predictor nodes, respectively. Data was then passed through the Column Filter which removed unrequired columns, for example, columns that were converted from String to Double. Finally, the data was passed through a Scorer and a Numeric Scorer. The Numeric Scorer calculated the values displayed in Fig 1.5 between the actual and predicted v...

Questions in Reference to Teaching While Working Full-Time...

Questions in reference to teaching while working full-time in the fire service: 1) Has teaching improved your â€Å"on the job† performance in the fire service or vice versa, and if so in what ways has it done so? â€Å"Teaching has both hurt me and helped me in the fire service. I have to keep up with the latest trends in the fire service. This is an advantage to most people as the fire service because it is reared that most crews keep up with current trends. Unfortunately, officers like there (old School) training so what I know is sometimes looked down upon as (textbook) firefighting. 2) How do you balance work, teaching and home life so that they all function smoothly together? â€Å"Well, it has not always been easy, but my family has been my†¦show more content†¦Ã¢â‚¬Å"My strengths I would say are that I’m very energetic and know the material well. I can keep a class entertained enough so they can learn. My weaknesses, when I teach I tell them the brutal truth, unfortunately that is not always politically correct or what the SCFA wants me to say. So I do spend allot of time in the SCFA office explaining my actions. I stay in trouble† 3) What do you do for students that are doing their best and still are not succeeding, passing or understanding the material or class that you are teaching? â€Å"I find study groups work the best. If I can’t get the material across to them maybe a fellow student can. I try to organize them for longer classes.† 4) Have you infused any outside influences into your teaching and or curriculum? â€Å"Yes my college education and physiological case studies of fire service personnel.† 5) What classes can you teach in your program? â€Å"I can teach over 30 classes. I teach all the Firefighter curriculum al the way to IFSAC Firefighter II. I teach the driver operator curriculum completely through IFSAC Pump operator II and Arial Operations. I also teach several of the courses in the officer’s curriculum. 6) Is there a specific list of topics and texts you have to follow when planning a class, if so who mandates it and where do you go to retrieve this information? â€Å"Yes, every course I teach has an instructor’s manual. TheyShow MoreRelatedThree Day Orientation and Training Program1173 Words   |  5 Pagescontinuous process that must begin at the time of hire to ensure a since of employee value and company involvement. Orientation will reduce: job training cost, employee anxiety, employee turnover; and improve: employee attendance, performance, and over-all skills available. Well developed orientation programs will also develop a better understanding of job requirements, positive attitudes, and job satisfaction for the employee s, as well as, saving valuable time for the trainers involved. When implementedRead MoreResponsibilities And Responsibilities Of A Lifelong Learning2594 Words   |  11 Pagesprocess. 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The napping area should be in a safety place and safety equipment if the fire occurs. Therefore, the napping area should be on the first floor of the campus with emergency exits in the napping area. 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He/ she know basic things of work related to IT such as ZAVA, LINUX, and MICROSOFT. †¢ The program leader of plans and English dialect studies office will take care of English. Follow the instructors and verify that as opposed toRead MoreBusiness Operation And Development : Resource Management4157 Words   |  17 Pages Student: Tushar Dobariya Student ID (15693) Sub: Business operation and development –Human resource management (19022) Question 1:- Answer (A) †¢ The programs pioneers of business office will care for the procuring of business instructors with take an interest of the CEO. †¢ The IT program pioneer will attempt to contract a decent taught and very much experienced in IT educating industry. †¢ The program pioneers of plans and English dialect studies office will take care of theRead MoreCitation and Reference List9582 Words   |  39 PagesSome useful terms ...............................................................................................................................2 3. Examples – when and how to reference ..............................................................................................3 3.1 Placement of in-text references....................................................................................................................3 3.2 Summary ..........................................Read MoreCelta Key15571 Words   |  63 Pages(s/he will inspect the centre) but by your tutors. The staff working on this course are: Ramy Sakr Aaron Abrook Jennifer McCready Brigid Nugent Main Course Tutor Assistant Course Tutor Assistant Course Tutor Assistant Course Tutor ********************************************************************************************************* Your tutors obviously have a dual role, as trainers (in which role we try to help you reach your full potential) and as assessors, (which means we have to objectively

Lottery Is Good Essay - 695 Words

nbsp;nbsp;nbsp;nbsp;nbsp;State lotteries have been around for awhile to help build up state revenue. In such things as scratch off instant tickets or daily number drawings. To some these things are evil, but to some others who’s lives aren’t the greatest, it’s a shimmer of hope that most people don’t have. Now the thing about the lottery is a lot of people don’t win, but those few that do could be put into a nice situation that they’ve never been in before. This is the land of freedom and opportunity, isn’t that we are giving the commonwealth? nbsp;nbsp;nbsp;nbsp;nbsp;If we would take away the lottery it would take away from the retired people who the lottery money goes to as well. I don’t like to know that the money is going to†¦show more content†¦The people who complain against gambling are going at the wrong thing. The real addiction lies in the casinos and places like that. There is where people can drop five hundred dollars at a clip. People can sit in front of a slot machines for hours, most stores don’t allow someone to stand at there front counter for hours, there is a security risk with that. I should know, cause I work at a gas station that does business with the state lottery. nbsp;nbsp;nbsp;nbsp;nbsp;There is an evil in gambling, but once again, that is all in the casinos. Sure some people who play could save that money for other things like crack or heroin, but they instead play the lottery. Its there life, let them live it the way they want to. For once the government is giving something to the people that gives them some hope, more so then the empty promises they make on the campaign trail. A politician can say he can give you lower taxes and more money to the commonwealth, but the lottery doesn’t talk, it shows that it will give money back to the people. A very good example is the last winner of the power ball that won two hundred and fifty million dollars, he was a truck driver barely able to see his family for he was on the road all the time. Now he can provide his family with the best for he has the money to do it. nbsp;nbsp;nbsp;nbsp;nbsp;Some people get addicted to stuff very easily, sure scratch offs can be, but not bad asShow MoreRelatedLottery Is Good or Not1635 Words   |  7 PagesIs lottery a good idea? These days, a lot of people play lottery and spend a certain amount of money on it while few of them earn back what they spend. Someone says lottery is a kind of tax collected by the government on peoples’ luck and desire to be rich. In another aspect, lottery is also gambling, and it could make people to be a millionaire in a night if the person is lucky enough, however, it has a negative effect that it causes inequality, crimes and so on. So lottery is not a positive ideaRead MoreIs Lottery a Good Idea1189 Words   |  5 PagesIs a Gambling a Good Idea? Definition of Gambling Merriam-Webster’s Learners Dictionary defined gambling as â€Å"playing a game in which you can win or lose money or possessions† (Merriam). Origin of gambling in the United States The first lottery was held in the America by the Virginia Company with the permission of the Crown to raise money to finance the establishment of the Colony in 1612. The lotteries were relatively sophisticated and included instant winners. All the original 13 raised revenueRead Moreis lottery a good idea Essay1781 Words   |  8 Pagesï » ¿Is Lottery a Good Idea? Lottery is one of the best things that has ever happened to human kind especially those that dream high and but their dreams don’t come to life because they don’t have what it takes to make it happen. Lotteries are in various categories such as sweep stakes, scratch off, the Jackpot and even the green card lottery. The lottery that is being focused in this argument is the jackpot one. When individuals or people in general buy the lottery ticket their hopes are high, andRead MoreExistentialism, The Lottery, And Good Country People1103 Words   |  5 Pageswritten works. Writings such as â€Å"Raj Bohemian,† â€Å"The Lottery,† and â€Å"Good Country People† all show evidence of an attitude of choice. The term itself suggests one major theme: the stress on the concrete individual existence and, consequently, on subjectivity, individual freedom, and choice. (Funk Wagnalls 1.) The use of existentialism shapes the characters’ such as the Narrato r in â€Å"Raj Bohemian,† Mr. Summers in â€Å"The Lottery,† and Manly Pointer in â€Å"Good Country People;† and explains the motives behindRead MoreSimilarities Between The Lottery And A Good Man Is Hard To Find1376 Words   |  6 PagesHutchinson from Shirley Jacksons â€Å"The Lottery† and the grandmother from A Good Man Is Hard to Find† by Flannery OConnor, treat their family members both similarly and differently and how they are treated in return. Throughout â€Å"A Good Man is Hard to Find,† the family members ignore each other, argue, and act selfish towards one another, but in the end, O’Connor presents the theme of familial love. In â€Å"The Lottery† however, family relationships are important for the lottery to work, but then they do notRead MoreThe Lottery, by Shirley Jackson and A Good Man Is Hard To Find, by Flannery OConnors1074 Words   |  5 PagesIn Shirley Jackson’s short story the Lottery and Flannery O’Conn er’s â€Å"A Good Man is Hard to Find†, there are a few aspects of a similar nature that attempt to tackle the nature essence of the human condition. Both short stories respectively portray two similar types of foreshadowing where one is random the other is premeditated, which leads these stories to their very surprising dramatic climax that is held until the end of each story. I believe that these important variables of both stories haveRead MoreAn Analysis of Shirley Jacksons The Lottery and Flannery OConnors A Good Man Is Hard to Find1360 Words   |  5 PagesShirley Jackson The Lottery Shirley Jacksons short story The Lottery depicts life in a provincial American town with rigid social norms. Mr. Summers symbolizes everything that is wrong with the town; he represents blind adherence to ritual, social rigidity, and resistance to change. His name corresponds with the seasonal setting of The Lottery, too, drawing attention to the importance of his character in shaping the theme of the story. Summers is in charge of the central motif of the storyRead More Inhumanity in Flannery O’Connor’s A Good Man is Hard to Find and Shirley Jacksons The Lottery1133 Words   |  5 Pages In Flannery O’Connor’s, â€Å"A Good Man is Hard to Find,† and Shirley Jacksons, â€Å"The Lottery,† both short stories deal with man’s inhumanity in different situations, and ending with a similar consequence. Jackson and OConnor both use two characters to depict man having the power to manipulate truth and objection into something people accept. In O’Connor’s’ A Good Man is Hard to Find, the Misfit is a character in need of desired assistance, troubled and confused he wanders savagely murdering strangersRead MoreThe Lottery By Shirley Jackson873 Words   |  4 Pagesâ€Å"The Lottery† â€Å"The Lottery† was written in 1948 by Shirley Jackson. Mrs. Jackson, born in 1916, was known for her tales of horror and supernatural novels. She and her literary critic husband, Stanley Edgar Hyman lived in a little town called Bennington, Vermont. Mrs. Jackson was not accepted by the town. Her novels, especially â€Å"The Lottery†, revealed the dark side of human nature. Stephen King honored Shirley Jackson by dedicating his book Firestarter to her. â€Å"The Lottery† takes place on JuneRead MoreThe Lottery Short Story Analysis1214 Words   |  5 PagesThe short story â€Å"The Lottery† written by Shirley Jackson begins with villagers gathering in the square, between the post office and the bank, to participate in the lottery which is not what it seems like because the story’s surprising ending reveals that Tessie Hutchinson, who draws the slip of paper with the black spot on it is stoned to death when the lottery ends. Shirley Jackson reveals through the use of irony, foreshadow, and symbolism in the story how much people can get caught up in maintaining

Standardized Testing And Standardized Tests - 1204 Words

You must mark all your answers on this answer sheet. Use only a No. 2 pencil. You may not use a pen. When you fill in the circles, make heavy black marks. If you make a mistake, erase it completely. Make no stray marks. Do not make any marks on the back of the answer sheet. These instructions are something we have all nearly fallen asleep to over our years of standardized tests. I myself can be included with you in that experience and I hope to give you a little more information on these all too familiar tests this afternoon. Today we are going to look at the origins of standardized testing, the purpose of standardized testing, and standardized tests around the world. But first, I want to ask you another question: what is standardized†¦show more content†¦In the article titled, Standardized Testing Hits a Nerve, it further explains that this act demands that states assess their students at certain grade levels and in specific subjects to determine the performance of thei r schools. Critics of the act state that it places too much pressure on teachers and creates more unnecessary stress for the students. On the other hand, supporters agree that the Act creates a solid accountability system for our schools in the United States. The No Child Left Behind Act is a significant change in our education system due to the sweeping changes it made to nearly all schools across the entire country. Now, moving on to choice B. Let s study the purposes of standardized testing in the United States. Professor James Popham, an education professor at UCLA, wrote in Educational Leadership, a publication centered around the topic of teaching, about the difference between two types of standardized tests. Aptitude tests are tests like the SAT or ACT. They try to predict how students will do in a new educational setting, like predicting how high school students will do in college. Achievement tests are used for evaluations. So these would be more like what is given by the state or school district to evaluate the success of a school. Knowing the difference between each type of standardized test is important because if you are not aware of the purpose it is intendedShow MoreRelatedStandardized Testing : Standardized Tests1186 Words   |  5 Pages Standardized Testing Impact Standardized testing is known to improve students’ education, but is it really needed in school? Standardized testing determines whether a student is prepared for the next grade based on their test scores. While some students do great on their test others struggle a lot. Not all students are good test takers; majority of the students do good in school but struggle when it comes down to testing. While many agree that standardized testing helps improve studentsRead MoreStandardized Tests : Standardized Testing963 Words   |  4 PagesOct 2015 Standardized Testing in Florida In recent years Florida’s standardized testing program has taken a turn for the worst. After doing away with the FCAT (Florida Comprehensive Assessment Test) the debate has only grown due to flood of new tests being created such as the Florida Standards Assessment (FSA) or End of Course Exam (EOC). These tests are administered to test students’ abilities at the end of the school year. In spring of 2015, with only two months of testing between the EOC’sRead MoreStandardized Testing Should Be Standardized Tests1329 Words   |  6 PagesPretty much everybody in this generation has taken a standardized test in some level of schooling. A standardized test is defined as a â€Å"test that requires all test takers to answer the same questions, or a selection of questions from a common bank of questions, in the same way, and that is scored in a standard or consistent manner, which makes it possible to compare the relative performance of individual students or groups o f students† (â€Å"Standardized Test Definition†). There is lots of debate around theRead MoreStandardized Testing Vs. Standardized Tests1796 Words   |  8 Pagesstakes evaluation. Firstly, one very controversial topic in America: Standardized testing. There are two most common cons associated with standardized tests. Firstly, standardized tests are not essential. Secondly, hypothetically speaking if standardized testing were a resourceful scale to weigh a student’s appropriate academic level, the costs correlated with these tests is too pricey. When you really break it down Standardized tests are inefficient because they rarely show information we aren’t alreadyRead MoreStandardized Testing Is Defined By Standardized Test Definition1083 Words   |  5 PagesStandardized Testing is defined by Standardized Test Definition as, â€Å"any form of test that (1) requires all test takers to answer the same questions, or a selection of questions from common bank of questions, in the same way, and that (2) is scored in a ‘standard’ or consistent manner, which makes it possible to compare the relative performance of individual students or groups of students.† This formality of testing was introduced in 1845 by educational pioneer, Horace Mann. Mann’s vision for theseRead MoreStandardized Testing Is Not Be Completely Honest I Do Not Know About Standardized Test1151 Words   |  5 PagesStandardize Testing Being completely honest I do not know much about standardized test. I remember having to take them as a student in elementary and junior high. I knew that I would not be receiving a letter grade on these test. I remember never stressing about taking the test. To be honest if I did not understand the question I was the kid that just made a design on the answer sheet. I absolutely was not aware of the reasoning or purpose of test. As a parent, I see my kids stress out about takingRead MoreStandardized Testing Is Not Be Completely Honest, I Do Not Know About Standardized Test1363 Words   |  6 Pages  Standardize Testing Being completely honest, I do not know much about standardized test. I remember having to take them as a student in elementary and junior high. I knew that I would not be receiving a letter grade on these tests. I remember never stressing about taking the test. To be honest if I did not understand the question I was the kid that just made a design on the answer sheet. I absolutely was not aware of the reasoning or purpose of tests. As a parent, I see my kids stress outRead MoreStandardized Testing : A Test That Alters The Decisions Made Pertaining The Future1595 Words   |  7 PagesStandardized Testing Imagine failing a test that alters the decisions made pertaining the future. Standardized tests are failing many schools that are serving disadvantaged children based on their knowledge on a test that is created in order to put upon higher standards for students. The No Child Left Behind Act is a law that had been signed by George W. Bush in pursuance to designate all public school students to perform standardized tests. The law had been signed in 2002 although, standardizedRead MoreStandardized Testing Is Not An Accurate Test Of A Student s Academic Ability1546 Words   |  7 PagesStandardized testing is not an accurate test of a student’s academic ability. Imagine sitting in a classroom and all you are thinking about is what information is going to be on the test. That is how students all over the United States are feeling every day leading up till testing season. Students every year are increasingly becoming more stress out. Every year there is more emphasis put on standa rdized tests. There are more effective ways to monitor student’s progress. Throughout the years thereRead MoreTesting Anxiety Has A Major Effect On The Outcome Of Student s Placement On Standardized Tests1216 Words   |  5 PagesTesting anxiety has a major effect on the outcome of student’s placement on standardized tests. Throughout my education experience I have struggled with taking tests. Furthermore, tests have affected the outcome of my educational career. On the other hand, I have overcame those hardships because of the opportunities I was given. Well, Mike Rose in â€Å"I Just Wanna Be Average† understands what it feels like to be misplaced. Throughout that time period, Mike Rose’s test and some other person with the

Emma Cultural Context - 1084 Words

Emma by Jane Austen Cultural context The novel I have studied is Emma by Jane Austen. The cultural context to which we are introduced in the novel Emma by Jane Austen, is the world of the middle classes in the nineteenth century. In this essay I will look, firstly, at the role of women in this world. I will examine the very limited opportunities a woman had in terms of education and finding a career which would allow her to live an independent life in the world of the novel. Secondly, I will discuss how Austen potrays the importance of social status in the carefully-structured affair of society. Finally, I will examine how marriage worked in Austen s time. Throughout the novel of Emma Austen gives us an insight to what her†¦show more content†¦They are continually throwing balls and inviting others over to play cards and chat, whereas other Highbury citizens only attend these balls and social occasions. Just as there is different social classes in Austen s time there still is today. Although they are not as evident today as it was in the 1800 s, there are still divides. The world revolves around the abuse of power and wealth, arrogance, a lack of acceptance, and most importantly class. It is class that sets them apart from others and labels them as someone else. Finally, I will discuss marriage in Austen s time. By the end of the novel there are five marriages in total. In my opinion, I think that marriage is more related to material things than to love in Austen s time. I think that women had little or no choices to what they could do with their lives back then. There is a definite consciousness of class differences and I feel this affected women the most as the only thing that women could do to raise their social standing was to be married. I don t think this novel shows love in marriage or romance at all but how women needed to be married to have somewhat social standing in life. I think marriage is more related to money and power in Austen s time than it is to love and the only reason Emma finally realised she was in love with Mr. Knightley was because of jealousy. This just shows how spoiltShow MoreRelatedRelationship Between Emma Woodhouse And George Knightley1089 Words   |  5 Pagesrelationship between Emma Woodhouse and George Kni ghtley in the text Emma from a feminist perspective. The relationship in general contains two different personalities. Emma is one who believes that she can create the ‘perfect couple’, which gives her the belief of ‘knowing everything’. George Knightley is more of a moral compass for Emma, and he usually displays his approval and disapproval of her actions. Before the relationship is examined; it would be insightful to reflect on the social context that theRead MoreTransformations: Emma and Clueless1297 Words   |  6 PagesThe universality of themes pervading both Emma and Clueless in correlation with the humanistic, obviously flawed protagonists in both texts, captivates and immerses responders. This engagement leads to an involvement and enjoyment in the composer’s craft, which enables the responders’ to obtain sophisticated insight into the text’s concerns on both subjective and objective levels. Critiques agree that the transform ation enables an audience to â€Å"enjoy cultural capital and aesthetic knowledge† while retainingRead MoreQA: Analyzing Emma Essays1250 Words   |  5 PagesEmma as a character is at the same time very strong, but also she comes across as a bit of a know-it-all, and she acts as though she is superior to every other character in the novel. Emma allows status to interpret her feelings of people, and it affects how she treats them. It is quite obvious that Emma allows herself to mistreat people for her own purposes, whether it is for mere satisfaction, to prove a point, or perhaps it is just a subconscious task for her that is beyond her control until itRead MoreThe Work Of Brown And Seaton1235 Words   |  5 PagesThe work of Brown and Seaton is considered the first ‘accurate’ cultural history on the Christmas truce, using personal accounts to put together ‘the best book on the subject,’ which, along with the work of Ashworth and Ekstein, is seen a s the top starting point in analysing the truce. Terraine says the book is ‘an excellent account, placing the truce in its proper context and collecting eyewitness impressions skilfully from both sides.’ This view differs drastically from his past criticism ofRead More A Comparison of Emma by Jane Austen and Movie Clueless Essay1148 Words   |  5 Pages A Comparison of Emma by Jane Austen and Movie Clueless The film Clueless, written and directed by Amy Heckerling, is an adaptation of Jane Austens novel Emma and closely parallels the story in terms of character development and action. Although Emma was written in 1816 and developed ideas and issues of that period in time, 180 years on we can still recognize and identify with the exact same issues. This just proves that despite all the radical social changes that haveRead MoreEmphasis on Characters in Madame Bovary Essay examples1196 Words   |  5 Pages Gustave Flaubert’s Madame Bovary masterfully explores the mid-19th century cultural scene, coloring the subject with his opinion. Through the book Flaubert lends insight into life in at the time, and imparts his opinions on the social world. He accomplishes these goals using the Bovary’s. Flaubert reevaluates characters through conflict, absence, juxtaposition, and selective thought examination to vilify the Bovary’s. Whether through necessity, or by purposeful ignorance characters rise and fallRead MoreEssay about sociology quiz answers1053 Words   |  5 Pagesï » ¿Question 1 1. Following C. Wright Mills, sociologists refer to breaking free from the immediacy of personal circumstances and putting things in a wider social context as the: a. sociological imagination b. psychologization process c. emergence theory d. recognition of self e. accumulation of capital 1 points   Ã‚   Question 2 1. According to the text, __________  involve constructing abstract interpretations that can be used to explain a wide variety of situations. aRead MoreJane Austen s Criticism And Judgment Of Socially Constructed Beliefs Of Women1199 Words   |  5 Pagesthat defied social customs, Jane Austen utilized her literary pieces as a framework to critique misogynist beliefs formed by society. Living in a patriarchal society dominated by men and harsh gender roles in England, Jane Austen sought to transform cultural values. She used the ideology of marriage and her heroines’ refusal of courtship to effectively and strategically chastise sexist views on gender and marriage. Her development of defiant characters showcases her strong opposition towards the restrictingRead MoreFilm Techniques, By And Amy Heckerling s Postmodern American Film, Clueless ( 1995 )2279 Words   |  10 Pagesadaption of a text to a contemporary contextual environment, and by comparing both Jane Austen’s Regency Era novel, Emma (1815), and Amy Heckerling’s postmodern American film, Clueless (1995), it is evident that the film has been re-appropriated in such a way that Austen’s voice is still heard today, while simultaneously projecting Heckerling’s views on present-day society. While both Emma and Clueless fall under similar timeless themes, such as the social hierarchy, the social values of marriage andRead MorePush For Feminism Take Home Exam 2923 Words   |  4 Pages Push for Feminism Take Home Exam 2 In their respective day, both Maria de Zayas and Emma Watson have been heralded as strong advocates for the promotion of gender equality. Seeing the rampant inequities present in 17th century Spain, the fiction of de Zayas sought to bring about greater justice for women. Similarly, Emma Watson has emerged in contemporary society as a champion of women’s rights and a proud self-proclaimed feminist. From de Zaya’ short story â€Å"Ravages of Vice† and Watson’s speech

Challenges of Microfinance Banking in Nigeria Free Essays

CHALLENGES OF MICROFINANCE BANKING IN NIGERIA-1 Nigerians, like many other Africans are generally known as their brother’s keepers in view of the extended family system. But when truly analyzed, there is a possibility that this may not be so? Perhaps a hypothetical deep may reveal that not up to 10% of Nigerians would invest in ventures or people that would yield them nothing in return and here I mean, â€Å"Returns in the short run or in the immediate†. The returns may be financial, emotional, spiritual, relational or social. We will write a custom essay sample on Challenges of Microfinance Banking in Nigeria or any similar topic only for you Order Now But fact is, there is something the investors expect in return when they give and these could include being worshipped as personal heroes, fear of harassments, fear of being harmed, for family ties, religious ties, being perceived as a caring corporate organization with the intent of bigger business tickets etc. Hardly do the â€Å"Nigerian rich† set aside a portion of their riches for the â€Å"unknown poor† or for true charity except such gifts are meant to make them be seen by the Society or Divinity as good or circumvent some threatening harms etc. This anti-poor behavior is projected into organizations; corporate, social, religious and sometimes even Government and parastatals as people see only the short end of developments without heeding the social woes of economic imbalance and insecurity. Consequent upon my above beliefs, I may classify the challenges of Microfinance banking in Nigeria under five (5) main headings: 1. COMMUNICATION GAPS AND INADEQUATE AWARENESS As a background to the undeniable problem of communication for effective microfinance, listen to this quote by Stan Paris on his article on Microfinance As A Means of Reaching The People â€Å"Problems of communication are endemic in the industry, dating back to what could be considered the first micro-loan. In 1976, Muhammad Yunus, a young economics professor at Chittagong University, Bangladesh, took his students into a small village where he discovered a woman crafting beautiful stools out of bamboo. He inquired what the woman earned for her work after repaying the trader from hom she borrowed. She told him she earned the equivalent of 2 cents in net profit. Yunus was appalled. He wanted to help her find a means of financing that would allow her to make more net profit. But, first, Yunus had an enormous communication barrier to overcome. That was a time in Bangladesh when women didn’t touch money and didn’t talk to men, explains Sam Daley-Harris, director of the Mic rocredit Summit Campaign, an important facilitator of dialogue in the industry. Yunus had to have a female student ask the woman a question, then return to tell him the answer. There were barriers of communication even in explaining the value proposition. † Truth is that today, communication barriers exists heavily in Nigeria particularly given that even within a State, there exist as many languages and dialects as exists ethnic groups. Also, high level of illiteracy even among the educated who fails to read important things that would enable them take positive steps towards personal, interpersonal and national development. I recall given many flyers of Elim Kit â€Å"n† Kin to a friend of mine who is well educated and is on a billion naira business locally and international. This guy was in a church service when a play-lets on Kit â€Å"n† Kin was delivered by a group of young people. But after the service, he approached me on how to go about empowering a friend he wants to help and when I suggested kit â€Å"n† Kin, he asked me what that was? Obviously, my educated friend neither read the flyer which is comprehensive and explanatory nor listened to the play†¦.. here lies the problem of many Nigerians of all classes, hence my concern for communication on micro financing. Lets now look at some of areas of specific communication challenges in Nigerian Microbanking In adequate awareness campaigns and supports by the regulators: The CBN and the NDIC as Federal Government’s engine of economic development need to do greater and continuous campaigns to all stake holders; investors, universal banks, the banking public, the micro targeted poor and low-medium scale entrepreneurs until the micro banking ideas sink in the society and gets well accepted. I hear and read the Governor of CBN assuring the public of safety of the Consolidated Banks. But the Similar truths and campaigns should also be carried for the microfinance industry Lack of trust by the oor themselves who believe that the microfinance banks are just like the unregulated community banks and unregulated finance houses. Going by the antecedents of the banking industry in general, no one would blame the people for lack of trust. Only effective and far-reaching campaigns and exhibited trust in the microfinance banks by the government and the regulators can achieve this desirable confi dence. An Uneducated Population: A critical ill of the populace in Nigeria is the bottom, bottom level of poor education of the people. A country where less than 10% of the populace pays attention to the print media, less than 20% listen or watch educative audio-visuals is a great challenge to information dissemination. Incidentally, the literally â€Å"very† educated people do not read handbills and communicative documents that deal with those things like microfinance banking since they have no interest in such activities. A survey of how many people would read this documentary would shock you even if the Guardian Newspapers circulate it free to just the middle and upper classers. This attitude is worse with the targeted microfinance clients. They are more interested in chasing their â€Å"kobos† than reading or listening to programs that would help them build up and improve on their standards of living The Active Poor’s Current Preference for Gifts Than Loans. Generally, a hindrance to economic development in Nigeria is the gift preference of the poor as a culture from political and religious biases. The politicians, the rich in religious circles, towns and villages all over Nigeria have cultured the poor to beggarliness and dependence rather than empowerment for productive and financial independence. Gifts are not usually regarded as re-investment treasures by the receivers. This is why givers ought to challenge the receivers to effectively put their gifts to work by rendering these helps through microfinance banks. Products such as ELIM Kit â€Å"n† Kin are meant for well intended givers to assist the poor live above perpetual begging. It is known internationally that micro-financing is not charity. Micro funds are meant for the productive activities of the beneficiaries. Consequently, only people who fall within the active poor or low income earners who are willing and able to utilize the loans for productive activities and repay both interest and capital are the bona-fide candidates for microfinance. 2. ANTI-POOR ATTITUDES OF NIGERIANS Dearth of quality investments in microfinance banks:. Most surplus spenders and investors in Nigeria, because of the lethargic attitudes to the poor, would not invest in Micro finance banks. They prefer to invest in the â€Å"billion naira profit making consolidated banks†. Again, Nigeria investors are coasted by the quick-return and trader-like attitudes which surely does not result in a meaningful development for the Nation. They are therefore unable to go through the gestation period required in the young microfinance industry for their investments to start yielding good dividends. The Grameen Bank of Mohammad Yunus did not start making profit in year one, but today, that bank is one of the most profitable financial institutions in Asia and yet, it is a financial institution with classic recognition for adding the greatest value to humanity. Snobbish and selfish attitudes by the financially well to do Nigerians. Hopefully, good campaigns and direct involvement by the who is who in Nigeria would solve the current snub by the rich on poverty alleviation programs and enable these categories of Nigerians see that Microfinance is both a good and rewarding investment and a good development project that directly and indirectly impact their lives. 3. INSUFFICIENT SUPPORT FROM THE REGULATORS AND GOVERNMENTS Poor buy-ins and competitive approaches by the State Governments and Local Governments. The policy direction towards the millennium development goals is that one percent of the annual votes of the State and Local Governments should be channeled to Microfinance banks for on-lending to the poor and low to medium scale entrepreneurs. So far, very few states have taken steps to get this started. Lagos state is a shinning example that has taken the lead to effectively and efficiently put microfinance banking into focus. Their microfinance institutionalization, the dept of involvement of the Ministry of Women Affairs and Poverty Alleviation in developmental activities at the grassroots is equaled by non I know in Nigeria of today. This Ministry is not just a moribund ministry; it is a ministry that is empowered and achieving evidential results. This ministry needs to be copied by every state in Nigeria. Today, some 800 microfinance banks are established in Nigeria, but some states rather than use the services of these banks licensed by the CBN, choose to find a round about way of dealing with mega banks or establishing their â€Å"owned† micro credit institutions. It is my candid opinion that government involvements in microfinance banking would be counterproductive as they should concern themselves with policy formulation and control rather than implementation. How can someone formulate policies, implement it and effectively control it? Nigerian Microfinance banks have what it takes to manage micro funds for states and international bodies and should be given the chance to do so under strict supervision and controls. How to cite Challenges of Microfinance Banking in Nigeria, Papers