Nrega Scheme a Success Essay Example for Free

Nrega Scheme a Success Essay Is NREGA(National Rural Employment Guarantee Act) a success or a failure? The NREGA is an Indian Job Guarantee scheme, enacted by the legislation on Aug 25,2005. The scheme provides a legal guarantee for one hundred days of employment in every financial year to adult members of any rural household at a wage of Rs 120 per day. So almost after five years of its commencement can NREGA be considered a success ? This essay will consider a number of explanations for concluding the impact of NREGA. My argument would be that definitely NREGA has been a success. First of all we need to remember that NREGA is a programme without precedent. No other employment programme has even come close to being implemented on such a large scale. So the output can’t be compared to that of any other programmes. Taking into account the success story of the Pandurni village in the Nanded district of Maharastra which won the award for the best performance in implementing the Rural Employment Guarantee Scheme for 2009-2010, we can see that around 1500 people from the village are registered under this scheme from which around 800 have been benifited from it. Pandurni has completed over 100 irrigation projects. Of these projects one that has been remarkable is the rocky bund built by around 200 villagers, to prevent soil erosion. Officials claim that implementation of the scheme on such a large scale here has prevented the migration of labourers to other districts. Similar success stories have also been reported from various villages of Rajasthan. NREGA has created more work for rural people than any other programme since independence. If we look at the coverage of the scheduled caste and scheduled tribe, if we look at the participation of women, if we look at the financial inclusion that we have achieved about more than 10 crore bank accounts and post office accounts that have been opened for NREGA workers then a lot can be said in terms of its achievements. It can be agreed to a fact that nothing in this world is an unmixed blessing. I agree if the NREGA has good side, it has a bad side also. But the ill effects have been largely due to corruption in our country. Its because of that only the ‘aam admi’(ordinary people) are not able to avail the proper benifits of the scheme. NREGA is a scheme which if implemented properly can benefit the labour class of our country.

Essay --

Frailty, Thy Name Is Women â€Å"Frailty thy name is women† (I.II.150) are words which are spoken by Prince Hamlet, the prominent character of the tragedy play Hamlet by Shakespeare, in his first soliloquy. These words underline how Hamlet truly feels about Gertrude, the queen, and Ophelia, his â€Å"beloved† maiden, and women in general. Although the two women play awfully passive characters and lack their voice for the world to hear, they are significantly important because they show how Hamlet, possibly Shakespeare, are a misogynist, which is one of the themes of the play. Through the fickle, passive, and submissive portrayal of the two woman characters, Shakespeare shows women needs to have an autonomy-sense, otherwise their lives will turn out to â€Å"cannot come to good† (I.II.163). Firstly, Gertrude is introduced as a queen that clearly lacks independency. In the beginning of the play, she is as a character that always in need of a male existence next to her. Just â€Å"within a month† (I.II.149) after the late King Hamlet deceased, she already hurried herself to get another husband. This attitude of hers sickens Hamlet terribly; he cannot come to comprehend how his mother could behave less than a beast, for a beast â€Å"would have mourned longer† (I.II.150). Shakespeare sets the play with this idea that women are corrupted with sexual drive—and always in lust for it. Because Gertrude obediently follows her lustful inner soul, she goes on ahead with the marriage with Claudius—which Hamlet refers to as â€Å"incestuous† and â€Å"rotten†. The moment the marriage is royally held, Gertrude loses her credibility as a mother in Hamlet’s eyes. Adding to this, Shakespeare uses the character Gertrude to show indecisiven ess and hollowness of women. The character ... ...r extremely mournful and elegiacal attitudes towards Ophelia. She says, â€Å"sweet to the sweets† (V.I.254) as she scatters flowers upon her coffin. She knows what a sweetheart Ophelia is and empathize her. Ophelia’s association with flowers represents the once young and pure maiden that tragically dies due to the fatal-innocent trait she possesses. Kate Morton, an author of the novel The Forgotten Garden, stated â€Å"A girl expecting rescue never learns to save herself†. This implies that a girl with a will to only follow men’s order around will ought to â€Å"come to no good† outcome. Shakespeare showcases this idea through the portrayals of Gertrude and Ophelia. Both characters are fiercely submissive to their male counterparts; hence they are controlled by them. Because they have no sense of agency in their lives, their lives destined to have a tragic ending entailing it.

Civil Liberties, Habeas Corpus, and the War on Terror Essay

â€Å"Do we fear terrorism so much that we throw out our Constitution, and are we unwilling and afraid to debate our Constitution? † -Rand Paul We are living in a world that has been overwhelmed with war; a war that many of us will never have to physically fight but one that challenges us mentally every day. A war of terror and the constant battle against it. We have been overwhelmed with events that have led us to feel safety may be unattainable and at some point, when we are no longer able to protect ourselves physically, we have to rely on our legal system to protect us from evil in the world. It is sometimes hard to believe that anyone who acts against us would have legal rights at all but we live in a country that promotes freedom and allows everyone to be innocent until proven guilty. In the United States we are provided civil liberties that protect us, but can those rights get in the way of stopping an enemy and protect the wrong person? In the following paragraphs I will discuss in detail one legal action that was created to protect you and me, but in recent years has raised questions that challenge us to see that protection differently and maybe allow you to answer the question Rand Paul has asked. Habeas Corpus is an English common law that has existed for centuries as a â€Å"fix† of sorts for a legal system to protect a person being kept in custody. When used correctly, it essentially gives that person, or someone directly representing that person, the right to ask why they are being restrained and kept from other common laws and protects them from unlawful imprisonment. If held for reasons that cannot be explained then the law allows them to be released. This right can be suspended for various reasons but was put in place to allow for a balanced court and containment system. (http://legal-dictionary. hefreedictionary. com/Habeas+Corpus). In modern America, it is easy to relate Habeas Corpus to our Sixth Amendment rights that state, â€Å"In all criminal prosecutions, the accused shall enjoy the right to a speedy and public trial, by an impartial jury of the State and district wherein the crime shall have been committed, which district shall have been previously ascertained by law, and to be informed of the nature and cause of the accusation; to be confronted with the witnesses against him; to have compulsory process for obtaining witnesses in his favor, and to have the Assistance of Counsel for his defense. (http://www. usconstitution. net) For centuries, there have been questions asked about the depth of the right to Habeas Corpus as explained in the constitution but we cannot fully understand it is intended and thorough meaning until we explain its history that lies in the early English legal system. The term Habeas corpus translates from directly from Latin â€Å"You may have the body. † It is commonly thought that Habeas Corpus was first used in the early 1300’s while King Edward I was in power although previous monarchs exhibit the use of similar procedures dating back the 12th century. William Blackstone explains the legal action by saying, â€Å"The King is at all times entitled to have an account, why the liberty of any of his subjects is restrained, wherever that restraint may be inflicted. † While this action had been used for centuries before, the specifics of it weren’t officially defined until the Habeas Corpus Act of 1679 as an Act of the Parliament of England. Since it is definition has been established, Habeas Corpus allows a prisoner or a third party to issue the legal action and petition a superior court against unlawful detention. If the individual is being held unlawfully, that prisoner can be released by the court or as we may explain it today, be offered bail. ( http://www. constitution. org) While Habeas Corpus is most commonly related to English history and has since evolved to its place in American History, it also has been molded for other modern legal systems in Australia, Canada, Germany, India, Ireland, Malaysia, New Zealand, The Philippines, Scotland, and Spain. Each of these countries has altered the original definition to suit their society and legal system but they align somewhat directly. On more than one occasion in United States history, this legal action has been suspended, allowing the legal system to lift the right from the people for the sake of greater safety. Within the United States constitution, specifically Article One, Section 9, Clause 2, it is explained that â€Å"The privilege of the writ of habeas corpus shall not be suspended, unless when in cases of rebellion or invasion the public safety may require it. † (www. usconstitution. net) In earlier American history, suspension has occurred often during times of war. During the Civil War President Abraham Lincoln chose to suspend the writ of habeas corpus because he heard mobsters had intended to destroy railroad tracks that connected Philadelphia and Annapolis. These lines were essential for the Union during that war. What is interesting about this instance that we don’t always see is that the president did not lift the right across the board in all legal situations. It was specifically issued to those directly impacting those involved with the destruction of the rail lines. Less than a year after issuing the order, Lincoln ended the lift and allowed most prisoners to be released. Shortly after the Civil War, unrest settled upon the people of the United States and multiple groups were created in the south to fight against the rebuilding of America, Reconstruction. The most notable of these groups was the Ku Klux Klan. To protect the people based on the clause stated in the Constitution, Congress passed the Force Acts. Within them, the president was given the ability to deny habeas corpus if there was the thought that individuals were acting against federal authority and could not be stopped by ordinary means because of their serious violent nature. Directly following the attacks on Pearl Harbor in 1942, habeas corpus was suspended yet again. Martial law was declared because of the nature of the attacks on the United States. It was suspended to protect the American people from individuals who may have been secretly working to allow the attacks in Pearl Harbor to have happened or caused a potential threat again the United States. Nearly two years later, common law was restored and the suspension ended. Once the war ended though, the right to habeas corpus was questioned by the U. S. Supreme Court after multiple German prisoners who were being held in American-occupied German attempted to apply it to their detention. It was later determined that the American court system had no jurisdiction over those individuals who were imprisoned outside the United States and never crossed onto U. S. soil. This decision plays a pivotal role in the future of habeas corpus and its use during times of modern warfare, more specifically the current War on Terror. On April 19th, 1995 a bomb was detonated that completely destroyed the Alfred P. Murrah Federal Building in Oklahoma City. This attack killed 168 people and injured hundreds more. The bomb caused millions of dollars’ worth or damaged and remained the worst domestic terrorist act until September 11, 2001. After the Oklahoma city bombing, President Clinton and Congress passed and signed to law an act that was created to â€Å"deter terrorism, provide justice for victims, provide for an effective death penalty, and for other purposes. † the Antiterrorism and Effective Death Penalty Act of 1996 limited the use of habeas corpus and the power of federal judges to relieve prisoners. Six years after the bombing in Oklahoma, attacks were made on the U. S. soil on a day that undeniably changed the path of American history forever. The worst terrorist attack in U. S. history claimed nearly 3,000 lives when 4 passenger jets were hijacked by terrorist for the Middle East and crashed. Soon after the attacks, President George W. Bush spoke to the American people. He ended his historical speech saying, â€Å"Fellow citizens, we’ll meet violence with patient justice, assured of the rightness of our cause and confident of the victories to come. In all that lies before us, may God grant us wisdom, and may he watch over the United States of America. † Because of these attacks, the way we go about approaching justice had to be altered. The current legal system did not necessarily provide the best means to handling the situations we were being faced with. Our world changed and we were forced to change with it. (http://georgewbush-whitehouse. archives. gov) Shortly after September 11th, President Bush issued the Presidential military order that allowed the â€Å"Detention, Treatment, and Trial of Certain Non-Citizens in the War against Terrorism. This would allow the U. S. government to indefinitely detain non-citizens with suspected connections to terrorism or terrorists, labeled enemy combatants, without access to the rights available by the U. S. constitution including habeas corpus. The U. S. Supreme Court confirmed that the right the basic principal of habeas corpus would not be taken from citizens of the United States. In January following the terrorist attacks of 2001, the Bush Administration established the highly criticized detention camp, Guantanamo Bay located in Cuba (http://www. thepoliticalguide. com/Issues/Guantanamo_Bay/). This facility was created to detain individuals suspected of participation in the global war on terror. Similar to the ruling made by the U. S. Supreme Court after WWII, Guantanamo, or GTMO, allows the U. S. to essential play by a different set of rules. Bush set up a military commission that could try detainees at GTMO. In 2006 Congress passed the Department of Defense Appropriations Act which states that no court, justice, or judge has jurisdiction at GTMO. This basically strips all captives of their ability to request habeas corpus or have access to any other rights that U. S. itizens would have in any court of the United States. Because the lines drawn in the legal system have become so blurry over the past few years, the U. S. Government, the Commander in Chief more specifically, has found itself under intense scrutiny. There are so many sides to the debate on the War on Terror that it would impossible to discuss in its entirety in this short essay. The role of the President, Co ngress, our military, and the Supreme Court have come to question but it seems as though the clarity that is being sought after only leads to more questions and uncertainty. The media has effected this dramatically with polarized politics that force the citizens of the United States to choose a side. I feel as though fear has divided our nation. Not the fear of being attacked, but the fear of the unknown. It is easy to move passed fear when you can pinpoint the cause of it, but we live in a time where people we do not know want our lives to end and we are allowing the government that we support to bring those people to justice. The question is, how are they going about seeking that justice and many will ask if we should even ask. Do we turn a blind eye and allow the system to take care of those who act against us, or is that system what is creating the problem in the first place. In a sense it’s like asking the question, â€Å"which came first, the chicken or the egg? † Are we reacting to terrorism or is terrorism the cause of our actions? Recently we have been challenged to ask these questions because of the details surround the Boston Bombing that took place only a few weeks ago. For the first time in recent history, a legal U. S. citizen acted with intentions similar and possibly directly linked with those who we would place and try at GTMO. The problem is, while this individual is a U. S. citizen, should he be tried as one? For a few days following the attacks, it was questions whether Dzhokhar Tsarnaev, the younger of the two attackers and currently only living suspect directly linked with the bombing, should be treated as a U. S. citizen or an enemy combatant like I discussed earlier. With limited rights, it would make his case difficult but where do we draw the line between using the law to protect us and using the law against others. During the time that these decisions were being made, Tsarnaev did, like many others held captive, attempt to use right to habeas corpus. It was denied after the decision was made to try him under common law with overwhelming evidence proving his association with the attacks. While details are still being brought out daily, I have to believe that our government and legal system are capable of handling this situation in a way that best protects the rights of the rest of us. I cannot explain which came first, the chicken or the egg, but I do know that our world is complicated beyond belief and while we can attempt to use reason and logic to find the best possible outcome, it is that very ability that allows many to hate us. Our rights and freedom is what seems to be causing the conflict and that is something our country, I believe, will never stop fighting for. We fear what we cannot explain. With education of the tools have been put in place we can protect ourselves and others. We need to ask the difficult questions so we can better understand how to find the best possible solution in times like these. We must to use our freedoms to debate, challenge, and change our future not hide behind them and let someone else change it for us.

Essay about American Industrialization Essay

Industrialization between 1865 and 1920 had many different effects on American life. In some ways, industrialization improved American life. However it also created problems in American society. There are several advantages and disadvantages to industrialization. In the decades following the Civil War the amount of factory jobs and city jobs increased. Rural populations decreased as urbanization increased. (See Document 1) Education rates and steel production rates also increased during this time period. The growth of railroads made transportation easier and more available to the public. John D. Rockefeller argued that industrial combinations, such as trusts and monopolies, were a benefit to industry. (See Document 6) He stated that through industrial combinations a business could expand its markets, while producing low priced goods, and still making a profit for stockholders. Steel making entrepreneur, Andrew Carnegie, had donated much of his wealth to the building of public libraries and other charities. (See Document 7) There were several positive effects of industrialization on American society. Industrialization was also the cause for many problems in American society. With the rise of big business a huge gap was created between the rich and the poor. The rich business owners were very wealthy and always had the best of everything, while working man lived in poverty. (See Document 5) Many people worked in sweatshops for as little as 25 cents per day. (See Document 4) Workers organized into labor unions such as the Knights of Labor and the American Federation of Labor. Under these labor unions, workers fought for higher wages, shorter hours, and safer working conditions. (See Document 2) The huge amounts of wealth created by the hardships faced by the workers is why this time period of industrialization came to be known as the Gilded Age. Industrialization between 1865 and 1920 had improved the national economy and the life of business owners. However millions of Americans suffered from low wages and living in poverty. Industrialization had a major effect on all Americans.

Buddhist Economics essays

Buddhist Economics essays Most people think that religion and economics dont mix. So you would think the same in the case with Buddhism and economics. But actually the there is a set of rules that go along with our modern day economics that have their own meanings. Buddhists believe that spiritual health and well being go hand in hand. They use the fundamentals of practical ecnomics and mix it with the values and morals of Buddhism. The Buddhist point of view takes the function of work to be at least threefold: to give a man a chance to utilize and develop his faculties; to enable him to overcome his ego-centeredness by joining with other people in a common task; and to bring forth the goods and services needed for a becoming existence. In modern economics, when there is a demand for say, beer, it is supplied by production and distributed to the consumers. When it is consumed, that demand is satisfied. Modern economics stop thinking here at the satisfaction of the demand. There is no interest in what happens after the demand is satisfied. Economics inspired by Buddhism would be concerned with how activities influence cause and condition. This means looking at the three conditions of humans, the individual, society and nature or the environment. In the case with the beer, the person would ask how does this influence the individual, society, and the environment ...

Civil Rights Movement Timeline From 1960 to 1964

Civil Rights Movement Timeline From 1960 to 1964 This civil rights movement timeline chronicles important dates during the struggles second chapter, the early 1960s. While the fight for racial equality began in the 1950s, the non-violent techniques the movement embraced began to pay off during the following decade. Civil rights activists and students across the South challenged segregation, and the relatively new technology of television allowed Americans to witness the often brutal response to these protests. President Lyndon B. Johnson  successfully pushed through the historic Civil Rights Act of 1964, and a number of other groundbreaking events unfolded  between 1960 and 1964, the span covered by this timeline. 1960 Civil Rights Sit-In at John A Brown Company. Oklahoma Historical Society / Getty Images On Feb. 1, four young African American men, students at North Carolina Agriculture and Technical College, go to a Woolworth in Greensboro, N.C., and sit down at a whites-only lunch counter. They order coffee. Despite being denied service, they sit silently and politely at the lunch counter until closing time. Their action marks the start of the Greensboro sit-ins, which sparks similar protests all over the South.On April 15, the Student Non-Violent Coordinating Committee holds its first meeting.On July 25, the downtown Greensboro Woolworth desegregates its lunch counter after six months of sit-ins.On Oct. 19, Martin Luther King Jr.  joins a student sit-in at a whites-only restaurant inside of an Atlanta department store, Richs. He is arrested along with 51 other protesters on the charge of trespassing. On probation for driving without a valid Georgia license (he had an Alabama license), a Dekalb County judge sentences King to four months in prison doing hard labor. Presidential con tender John F. Kennedy phones Kings wife, Coretta, to offer encouragement, while the candidates brother, Robert Kennedy, convinces the judge to release King on bail. This phone call convinces many African Americans to support the Democratic ticket. On Dec. 5, the Supreme Court hands down a 7-2 decision in the Boynton v. Virginia case, ruling that segregation on vehicles traveling between states is unlawful because it violates the Interstate Commerce Act. 1961 Policemen await to arrest Freedom Riders. Bettmann Archive / Getty Images On May 4, the Freedom Riders, composed of seven African American and six white activists, leave Washington, D.C., for the rigidly segregated Deep South. Organized by the Congress of Racial Equality (CORE), their goal is to test Boynton v. Virginia.On May 14, Freedom Riders, now traveling in two separate groups, are attacked outside Anniston, Ala. and in Birmingham, Ala. A mob throws a firebomb onto the bus in which the group near Anniston is riding. Members of the Ku Klux Klan attack the second group in Birmingham after making an arrangement with the local police to allow them 15 minutes alone with the bus.On May 15, the Birmingham group of Freedom Riders is prepared to continue their trip down south, but no bus will agree to take them. They fly to New Orleans instead.On May 17, a new group of young activists join two of the original Freedom Riders to complete the trip. They are placed under arrest in Montgomery, Ala.On May 29, President Kennedy announces that he has ordered the Inte rstate Commerce Commission to enact stricter regulations and fines for buses and facilities that refuse to integrate. Young white and black activists continue to make Freedom Rides. In November, civil rights activists participate in a series of protests, marches, and meetings in Albany, Ga., that come to be known as the Albany Movement.In December, King comes to Albany and joins the protesters, staying in Albany for another nine months. 1962 James Meredith Registering at the University of Mississippi. Bettmann Archive / Getty Images On Aug. 10, King announces that he is leaving Albany. The Albany Movement is considered a failure in terms of effecting change, but what King learns in Albany allows him to be successful in Birmingham.On Sept. 10, the Supreme Court rules that the University of Mississippi must admit African American student and veteran James Meredith.On Sept. 26, the governor of Mississippi, Ross Barnett, orders state troopers to prevent Meredith from entering Ole Misss campus.Between Sept. 30 and Oct. 1, riots erupt over Merediths enrollment at the University of Mississippi, or Ole Miss.On Oct. 1, Meredith becomes the first African American student at Ole Miss after President Kennedy orders U.S. marshals to Mississippi to ensure his safety. 1963 Bettmann Archive / Getty Images King, SNCC and the  Southern Christian Leadership Conference  (SCLC) organize a series of 1963 civil rights demonstrations and protests to challenge segregation in Birmingham.On April 12, Birmingham police arrest King for demonstrating without a city permit.On April 16, King writes his famous Letter from a Birmingham Jail in which he responds to eight white Alabama ministers who urged him to end the protests and be patient with the judicial process of overturning segregation.On June 11, President Kennedy delivers a speech on civil rights from the Oval Office, specifically explaining why he sent the National Guard to allow the admittance of two African American students into the University of Alabama.On June 12, Byron De La Beckwith assassinates  Medgar Evers, the first field secretary for the National Association for the Advancement of Colored People (NAACP) in Mississippi.On Aug. 18, James Meredith graduates from Ole Miss.On Aug. 28, the  March on Washington for Jobs and Fre edom  is held in D.C. Around 250,000 people participate, and King delivers his legendary  I Have a Dream speech. On Sept. 15, the Sixteenth Street Baptist Church in Birmingham is bombed. Four young girls are killed.On Nov. 22,  Kennedy is assassinated, but his successor, Lyndon B. Johnson, uses the nations anger to push through civil rights legislation in Kennedys memory. 1964 President Lyndon Johnson Signs Civil Rights Act. PhotoQuest / Getty Images On March 12,  Malcolm X  leaves the Nation of Islam. Among his reasons for the break is Elijah Muhammads ban on protesting for Nation of Islam adherents.Between June and August, SNCC organizes a voter registration drive in Mississippi known as Freedom Summer.On June 21,  three Freedom Summer workersMichael Schwerner, James Chaney, and Andrew Goodmandisappear.On Aug. 4, the bodies of Schwerner, Chaney, and Goodman are found in a dam. All three had been shot, and the African American activist, Chaney, had also been badly beaten.On June 24, Malcolm X  founds  the Organization of Afro-American Unity along with John Henrik Clarke. Its aim is to unite all Americans of African descent against discrimination.On July 2, Congress passes the  Civil Rights Act of 1964, which bans discrimination in employment and public places.In July and August, riots break out in Harlem and Rochester, N.Y.On Aug. 27, the Mississippi Freedom Democratic Party (MFDM), which formed to challenge the segr egated state Democratic Party, sends a delegation to the  National Democratic Convention in Atlantic City, N.J.  They ask to represent Mississippi at the convention.  Activist Fannie Lou Hamer, spoke publicly and her speech was broadcast nationally by media outlets.  Offered two nonvoting seats at the  convention, in turn, the MFDM delegates reject the proposal. Yet all was not lost. By the 1968 election, a clause was adopted requiring equal representation from all state delegations. On Dec. 10, the Nobel Foundation awards King the  Nobel Peace Prize. Updated by African-American History Expert, Femi Lewis.

Banking and the management of financial institutions Essay

Banking and the management of financial institutions - Essay Example Financial institutions therefore play a key role because they take money from people who want to save and they don’t keep them but lend them to others on the other side who invest in the development programs (Schroeck, 2002).There has to be a process of financial development. Financial development occurs through the process of economic development. In some cases, financial developments are first put in place then steering development growth and in others, the growth of the economy and business lead to a need for a financial institution to sustain it. The current situations have affected financial institutions in immense ways, the current economic crisis have affected the sector and have impacted greatly on individual banks and as a result their priorities have changed in a move to cope with the changes in response to the sudden crisis that have hit across (Schroeck, 2002). Section 2How are banks able to loan businesses, finance education and make it possible for people to buy homes with mortgages?, how are banks run so as to be able to earn more profits, how are they being managed with regard to balance sheet?, and what are the banks income determinants?.   How are banks able to manage interest risks and also able to get financiers? Finally how banks being regulated and what are the benefits and some challenges that are encountered in an effort to regulate banks. Who is responsible or which are the main institution that play a bigger role in the management of banks and other financial institutions.... ion and make it possible for people to buy homes with mortgages?, how are banks run so as to be able to earn more profits, how are they being managed with regard to balance sheet?, and what are the banks income determinants?. How are banks able to manage interest risks and also able to get financiers? Finally how banks being regulated and what are the benefits and some challenges that are encountered in an effort to regulate banks. Who is responsible or which are the main institution that play a bigger role in the management of banks and other financial institutions. The world economic crisis has reduced drastically people trust on the financial institutions specifically banking (Schroeck, 2002). Marketing therefore no longer guarantees customer loyalty and trust but a rather more practical strategy that is customer centered. Marketing has to be more creative in their work and therefore have to both apply different strategies that but together both science and art to quickly understa nd customers and find opportunity for growth, They have to apply different ways in dealing with multi diverse issues in order to meet the demand of diverse consumers and business banking customers regardless of their diversity, age and business (Hull, 2012). Majority of banks nowadays are changing and improving the appearance or efficiency of their processes. They have tremendously improved their efficiency and have worked hard towards fine tuning customers facing numerous distribution channels and also in building them into the system. Industries that will thrive well in the current business environment are those financial institutions that are sensitive to the need of customers and ones that control products and services as well as product and are innovative (Hull, 2012). Customers