The Ultimate Guide To Essay Writing

The Ultimate Guide To Essay Writing These classes will help you build confidence, improve your writing skills and help you get published. Use secondary sources to find topics and provide context, but do not let them blind you to what you find in your primary research. Not everything written by a professional historian is true or persuasive. Keep yourself updated and informed on latest issues and topics of national importance. Having a sound knowledge of various issues will help you justify your ideas in an essay. You need to inculcate a habit of diverse reading in order to widen your knowledge base. Neither third-parties nor your professor will know that we wrote your essay. Beyond that, we guarantee non-disclosure of all your personal data once you contact us or register with us. It doesn’t matter what kind of problems you may face, since the money back guarantee will protect your interests. Come up with a conclusion that returns us to the primary thesis of your paper and gives us ideas about where we can take it next. Look for evocative language that allows you to tie each section of the paper to the thesis without becoming repetitious. Provide transitions between paragraphs that indicate to the reader how each paragraph relates to your thesis. Special care should be taken to assure that one paragraph follows the other in a proper order. The basic goal of an introductory paragraph is to clarify the purpose of essay to the reader. It is always a good idea to start your essay with a quote or anecdote. The first paragraph of the essay holds great significance. Our dedicated writing experts will do their best to have a satisfaction rate. For that reason, the refund requests tend to appear quite rarely, which is partly due to our solid refund guarantee. Every refund request that we receive from our customers is reviewed by our online specialists, as well as considered within the shortest possible period of time. Need a properly researched, written according to all your requirements and plagiarism-free paper? If you have a pretty clear idea about the sequence in which you want to present them, an outline might be most appropriate to you. If you have not yet determined how you'd like to sequence them, mapping might feel more appropriate. We understand that students may be afraid of ordering online assignments due to the risks of being revealed. We use a specially designed plagiarism detection system that runs the completed paper through a database of other academic papers and exposes even the slightest signs of plagiarism. You'll pay your writer only if you like the result. At CreativeLive, We are here to help you tell your story and share it with the world. It is not necessary to begin at the beginning; you can start writing wherever you feel relatively confident. You might, for example, begin by defining or explaining terms and concepts in your research question. Once you have done that, move on to another area you feel ready to discuss. Keep asking yourself what your reader will need to know, and write about that. By now you should have identified the three arguments you find most compelling in defending your thesis. You need to pay special attention to the introductory paragraph of your essay. The title of the essay should reflect the essence and content of the essay. You can also use a quote or phrase to name your essay. In case you are unable to think of a suitable title, do it after writing the essay. It is not just a summary of your ideas but also reflects your final perspective on the given topic. This part consists of multiple paragraphs that connect in a logical order. Body paragraphs aim to justify your stance in the essay.

Ncert Online Essay Writing Competition For Classes 9 To 12; Check Here

Ncert ‘Online Essay Writing Competition’ For Classes 9 To 12; Check Here It is especially important to hand in work on time in college, which is why each essay writer makes sure to focus on timeliness as a top priority. Before you begin your writing, create your essay outline. Jot your topic in the middle of your page, draw lines branching from the topic and write main ideas at the end of each line. From the main ideas at the end of the lines draw more lines and include your thoughts. Try to start with something intriguing and promising. Realistically, it is possible that they may even decide not to make that effort. It is your task to present your argument in a way that your audience can follow; it is not your audience’s job to launch an investigation to detect the points you are trying to make. Underpinning the structure will be the ‘argument’ your essay is making. Again this may be strong and obvious, or it may be almost invisible, but it needs to be there. The best essay service looks forward to long-term cooperation with every client who uses our company for academic assistance. We wish all of our clients to use EssayPro with a smile on their faces. You can be confident that high-quality papers were written on-time at the customer’s convenience. However, this type of essay is not description for description’s sake. The descriptive essay strives to communicate a deeper meaning through the description. In a descriptive essay, the writer should show, not tell, through the use of colorful words and sensory details. The best descriptive essays appeal to the reader’s emotions, with a result that is highly evocative. The tutors reading and marking your essays deserve your consideration. In different subject areas, and with different styles of writing, the term ‘argument’ may seem more or less relevant. However, even in those essays that appear to be highly creative, unscientific, or personal, an argument of some kind is being made. You’ve come here because you are likely under a lot of stress about your essay. That’s why we want to make sure all you have to do is place your order and then be certain that your assigned essay writer will send the essay to you before your deadline. Nothing is worse than ordering something that you need by a certain time, only to learn that the essay has not been delivered. Every academic scholar has several years of experience in the essay writing industry, as well as being fully qualified. All papers are unique because our writers are required to follow our strict quality assurance protocol, which includes anti-plagiarism. Many students don’t have the time to work on their academic papers due to balancing with other responsibilities, for example, part-time work. If you’re tired of the boring lectures from your professor, then subscribe to our YouTube channel. Apart from that, we feel it’s important to know your chosen essayist inside out. Thus, they also contain a short biography from the professional writer to enable customers to see what kind of person he or she is. And a list of reviews for the author left by previous clients to give you an insight into customer satisfaction. Here, we explore everything related to essay writing in a smooth and easy to understand way. We are a freelance platform, which connects talented writers with students who need extra help on their assignments. We are all about assisting college students and helping them make the best of these years. Look over the writers’ ratings, success rating, and the feedback left by other students. Essays are a common form of assessment in many tertiary-level disciplines. The ability to construct good essays involves understanding the process and the conventions of essay writing. The more experience you get in writing essays, the more comfortable you will become with this genre. An introduction to academic writing for English Language Learners, focusing on essay development, grammatical correctness, and self-editing. They will be reading and marking many, many student essays. If you make your argument hard to follow, so that they need to re-read a paragraph to try to make sense of what you have written, you will cause irritation, and make their job slower. While like an expository essay in its presentation of facts, the goal of the persuasive essay is to convince the reader to accept the writer’s point of view or recommendation. The writer must build a case using facts and logic, as well as examples, expert opinion, and sound reasoning. The writer should present all sides of the argument, but must be able to communicate clearly and without equivocation why a certain position is correct. A cousin of the narrative essay, a descriptive essay paints a picture with words. A writer might describe a person, place, object, or even memory of special significance.

Ncert & My Gov India Collaborates For Online Essay Writing Competition, Classes 9 To 12 Can Participate

Ncert & My Gov India Collaborates For ‘Online Essay Writing Competition’, Classes 9 To 12 Can Participate Examples of 2000 word count pages might be longer for blog posts, college essays or term papers, and operating manuals. An essay is an extended piece of writing that presents and supports a thesis or proposition. The word ‘essay’ derives from the Latin word ‘exagium’, meaning the presentation of a case. So if you’d like a guesstimate, you can assume that a 1,000-word essay will have between five and ten paragraphs. In its simplest form, an essay can consist of three paragraphs with one paragraph being devoted to each section. Proponents of the five paragraph essay say that the body text should consist of three paragraphs, but in reality, it’s fine to write more or fewer paragraphs in this section. Prompt’s Essay Specialists reviewed 13,000 admissions essays in 2018, helping thousands of students submit their applications with confidence. Read through your writing and make sure that every sentence has a specific and unique contribution to the essay. There is no firm rule that says an essay needs to have a set number of paragraphs, but an essay must be a minimum of three paragraphs. We strongly recommend you revise an essay that is shorter than 250 words unless such a length is required by your professor. To lengthen your assignment, reread the writing and each body paragraph of it. May be, there are some unanswered questions, discussing which will add some words to your text. Sometimes, it is hard to come up with five paragraphs of classical structure within such a short format. For example, do you have any sentences that start with, “It is” or “It seems that”? These are extraneous words that can be taken out without altering the sentence’s meaning. The strongest way to end a short essay is to include a brief summary of your main argument and a statement that includes the implications of your thesis on your future. The absolute minimum size for a five-paragraph essay is 250 words or one double-spaced page, typed in standard 12 points font. But, is there an answer to that question of how many words you should write? We know that any essay is better to be not too long and not too short, but here, we will try to find a precise solution. If two sentences convey two only slightly differing ideas, try to find a way to combine them. Use semi-colons, em dashes, or compound sentences if necessary. Then, you are to apply different means of reasonable and persuasive communication. Or, if there is an argument in focus, you have to look for a reliable piece of evidence for supporting your central message. The answer is around 4 pages single spaced, and 8 pages double spaced. Another, less limiting and more accurate way to work out how many paragraphs you need to cover your topic is to look at the main points you have to cover in the body text. A paragraph contains all the ideas that support or explain a single concept. This is a rule of thumb, which means it won’t always work quite that way, but it’s handy all the same. In academic work, your paragraphs are likely to be a bit longer than most of the ones you see in this blog post. On average, there are usually 100 to 200 words in a paragraph. Here, you should consider each of those elements in the context of the type, purpose, and subject matter of the essay assigned. For instance, the main idea is to convince the reader. Many things matter when you work on an academic essay. Hence, it is useful for one to take them into consideration while working on a 5-paragraph assignment. What about the format, citations, structure, and language of your 5-paragraph paper?

Why Write Essays?

Why Write Essays? Writing a law essay may be difficult, especially when you need to know the peculiarities of the legislative framework. Get essay from our law experts and stay satisfied. If you have questions about our service or need additional details to make a request, our friendly customer support will get your issues resolved. Summarizing puts the main points from someone else's text into your own words. Here's more on When to Quote, Paraphrase, or Summarize. Every specialist on the team holds a degree in one of the 35+ disciplines the service covers. We have experts in MBA, Accounting, History, Literature, Arts, Humanities, Science, IT, Nursing, Law, and other subjects. work and in the end, make sure that any paper is 100% original. freebies such as free rewards and paper giveaways for the most loyal of our clients. Check all the boxes - tell us what kind of paper is it going to be. Move on to the next step - personal instructions. Before beginning the essay organize your thought and plot a rough draft. This way you can ensure the story will flow and not be an unorganized mess. Now the essay is written, but you're not quite done. Reread what you've written, looking out for mistakes and typos. Be certain that the received paper is totally original with just one click. Pay only after you approve received parts of your paper. You might also want to consider the difference between quoting, paraphrasing, and summarizing. Quoting is reserved for lines of text that are identical to an original piece of writing. Paraphrasing is reserved for large sections of someone else's writing that you want to convey in your own words. If finance is not your cup of tea, there is no need to torture yourself. You can pay for essay and get completely original work from people who are fluent in this field of science at EssayShark. Should a downloaded project fail to live up to your expectations or meet initial instructions, you could request a refund. The option is available within days (depending on the project’s length). A full refund is issued anytime before a paper is downloaded. The focus of such an essay predicts its structure. It dictates the information readers need to know and the order in which they need to receive it. Thus your essay's structure is necessarily unique to the main claim you're making. that states the purpose and plan of the whole essay. Give a startling statistic, fact, or visual image to drive home the ultimate point of your paper. It's finals week and I have to finish my essay immediately. Select the paper type, page limit, discipline, and format, and then set the deadline. Specify your paper instructions and attach the additional materials. Don't jumble too many ideas in each paragraph or the reader may become confused. Brainstorming can be a great way to develop a topic more deeply and to recognize connections between various facets of your topic. Write down everything that comes to mind as you can always narrow those topics down later.

Essay Writer Services

Essay Writer Services Once you're sure that the structure of the paper is fine, you can go with the final proofreading. Take side notes of the corrections you intend to make. My theory is that having more cultural capital will change their taste in art, as they are able to understand the pieces differently to other people. When drawing on other authors it is important to understand the distinction between quoting and paraphrasing. The general rule of thumb is that you should paraphrase wherever possible, and quote only when necessary or if it clarifies the point you are making. That said, paraphrasing can be difficult without losing the inherit value of the argument presented. is a degree-qualified travel nurse who loves the excitement of combining work and travel. Between assignments, he writes, contributes to various blogs on health and fitness and loves to keep fit. A service that is based on quality doesn’t automatically imply a price sky-high. we are fully operational, with our team and academics working safely. Your paper will have proper references in the citation style you choose. Academic writing is a huge challenge for someone who’s only done basic homework so far. There’s nothing that loves more than passing on his knowledge of marketing in his writings. Always up-to-date with marketing trends, he has a BSc in Marketing from Keele University. An only original and fresh approach that is our motto. However, after some time, come to realize that all the time is sorely lacking. However, do not repeat the mistakes of some customers abstain from submitting these samples as your own papers. Plagiarism is a serious violation and can have severe consequences. Putting your educational career under risk is definitely not a smart choice. Don't start with the proofreading yet; that part will come a bit later. Whenever you use a certain resource as inspiration or support for your claims, make sure to reference it in accordance with the citation standard you follow. We also provide PhD dissertation in our service, we coordinate with our clients to meet their wants and needs to present deep scientific research for dissertations. Due to our priorities and rules, we are a top-quality service nowadays. For example, Pay For Essay offers a rather affordable service that can fit into any budget. Hiring an essay helper is absolutely okay when you’re tired after a day in the college or have work to do. When all you want is to simply have a good rest is also understandable. Log in to your customer area on the site and download your new plagiarism-free paper, when the deadline comes. You don’t want to waste time reading through and endless number of articles simply to find that they aren’t actually relevant. To do this, simply input the name of the article in the search bar and hit enter. In the results, click “cited by” â€" this will return a list of all of the articles that have cited the publication you searched for. Marking Services New Your work reviewed by an expert academic. Now, all you need to do is write the content itself. Here is a sample of a plain mind map, created with online software. Fill out the order form fields, telling us what kind of paper you need. Note that nearly 60% of assignments are done before the deadline. Every paper is double-checked for plagiarism and grammar mistakes on completion. Ordering writing work in our company, you are guaranteed to get a unique work written in the best traditions of the genre. With us, you can not fear the low uniqueness of the text.

The Four Major Types Of Essays

The Four Major Types Of Essays We provide essays writing service UK with well-researched finance essay analyzing different economic and financial aspects. Are you frustrated with daunting essay requirements of your paper? A screen shot of EssayShark’s homepage, advertising essay writing services. A Facebook group for academic writers in Kenya has over 50,000 members. Finally, I repeat, this is NOT a trial lesson or whatever. Essay Writing UK has workforce ensuring to provide you cheap essay writing services with 100% genuine content. Our qualified experts guarantee your essay written with excellence and pass from online plagiarism checkers successfully. The price is right since the Virtual Writing Tutor is 100% free. Teachers, you can create free interactive pen pal writing projects on the Virtual Writing Tutor, with automatic scoring and feedback on spelling, grammar, and vocabulary. You can check a text for plagiarism with this collection of plagiarism tools. Aim to use less common and academic vocabulary for your school work and IELTS essays. Learn more about academic versus conversational vocabulary. To check your word count, copy-paste your text into the text area above and click Word Count. The word counter will also count your sentences and calculate your sentence length. You must be cursing your stars that why are you brought face to face with this writing difficulty. After so many if and buts you must be thinking to take essay help online but afraid of high pricing and low standards of work. But Ms. Mbugua said she loved learning, and sometimes wished that she were the one enrolled in the American universities she was writing papers for. As more foreign writers have joined the industry, some sites have begun to advertise their American ties, in a strange twist on globalization and outsourcing. One site lists “bringing jobs back to America” as a key goal. The Virtual Wrting Tutor is primarily an English Second Language grammar checker. As such, my goal is to make the Virtual Writing Tutor the best ESL grammar checker to help learners of English as a Second Language. It may also help dyslexics, professional bloggers and university students. Are you puzzled with diverse essay writing formats and structures? Are you concerned about your grades that might adversely affect with essay quality? Despite relentless efforts and struggles, roaming in libraries and searching here and there you are unable to comprehend how to arrange a perfectly written essay. Is it a nightmare for you to receive your essay that is filled with negative marking and red crosses; even after sleepless nights, hard work and struggles that you have made? Try the opinion essay checker, film-analysis essay checker, argument essay checker, cover letter checker, IELTS essay checker, and self-scoring pen pal exchange system. Dr. Frank Bonkowski reported that using the VWT helped to reduce his workload. This feature is useful if you are aiming for a more conversational style with a shorter average sentence length, or if you are aiming for a more academic style with longer sentences. For details on what is counted and what is not, see the Word Counter page. The Virtual Writing Tutor can provide automated writing evaluation with a score and formative feedback on a variety of writing assignments. This pen pal system is moderated by teachers for their students. Try the Paraphrase Checker the next time you want to use other people's ideas in your writing. Remember that ideas are free, but the expression of those ideas is owned by the original author. Good writers must, therefore, learn to paraphrase effectively and give credit where credit is due to avoid accusations of plagiarism.

How To Write A Good Discursive Essay?

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How To Write A Good Discursive Essay?

How To Write A Good Discursive Essay? I appreciate your help and will come back again. All the information used by our writers for orders is taken from reliable and checked recourses, essay writers use only accurate data. The facts are confirmed with the appropriate example, the citation and reference list are added. That won’t happen when you hire the best essay writers online. Order essays, term papers, research papers, or another assignment without having to worry about its originality - we offer 100% original content written completely from scratch. When an injury forced him to give up his senior nurse management role, turned to writing. That perfect solution slipped away and you feel more miserable than ever. WritingEssayEast.com - the best essay writing service from west to east. If you realize at least one thing that you like in writing essays, you may really want to do this and enjoy the working process. You can order essay from the last minute essay writing service. Outsourcing the project to a writing company may be the solution you need, but you don't always have money for that. What happens if it's the end of the month and you're completely broke? Leave some space for further research and intrigue the reader to dig deeper into the topic and find out more about the things you tackled. The body of the essay should provide arguments and evidence that prove the thesis statement. He enjoys writing about all medical and nursing topics, with a particular interest in helping students working towards a nursing qualification. The reader should end up being satisfied, knowing that he learned something new from your essay and he just spent quality time with it. Are you having doubts about ordering papers online? This step will not only get you the best essay writing by the deadline, but will also help with your education. We cover a wide range of subject areas, so you can count on our best essay writing service to help you with assignments for all courses. Do you know why we can claim that the quality is going to be great? We assign the perfect writer to each assignment. If you want a literature essay, we’ll delegate the order to a writer with a Master’s or Doctoral degree in literature. The writer and researcher collaborate to compose an outline. This is the plan for your essay, and it will guide the writer through the entire process of completion. It would seem that what could be easier than writing an essay? It is not any scientific work, which requires a huge amount of investment in time and effort. I had no trust in writing services before I found Writingessayeast.com. I had a negative experience with one company before, so this is why I was so suspicious. However, my condition was desperate and had no choice but to request custom paper. I was ready to get a stock quality piece, but this was a really really good one.

Custom Essay Writing Service

Custom Essay Writing Service For that reason, the refund requests tend to appear quite rarely, which is partly due to our solid refund guarantee. Every refund request that we receive from our customers is reviewed by our online specialists, as well as considered within the shortest possible period of time. Need a properly researched, written according to all your requirements and plagiarism-free paper? We use a specially designed plagiarism detection system that runs the completed paper through a database of other academic papers and exposes even the slightest signs of plagiarism. As I've said before the most important thing in an essay is to come up with a clear line of argument and it's important to tell the reader about that right at the beginning. So set out your plan for the essay at the outset and then use the rest of the essay to actually build up your argument. All right, so my second major guideline for writing an essay is to make it clear where you are going. The reader needs to know what you're saying and needs to be aware of the path that you are taking in the essay. ”, you can rest assured that with Writers Per Hour, original is the only option. Plagiarism has serious consequences and we at Writers Per Hour fully understand that. Our relationship with you does not end with an essay submission. At CreativeLive, We are here to help you tell your story and share it with the world. These classes will help you build confidence, improve your writing skills and help you get published. Use secondary sources to find topics and provide context, but do not let them blind you to what you find in your primary research. Not everything written by a professional historian is true or persuasive. SeeHow to Read a Book.Readprimary sources critically as well. So don't wait until the very end of the essay to reveal the main point that you're trying to communicate. Although it seems like an obvious point, I've read many essays where student simply don't answer the question. When we deliver essays, we ensure they’re up to the mark and most importantly, 100% original. So, the answer to your question is yes, we can write you an essay fast and not any essay, a well-written one. If you say, “write my essay in 1,2,3 or 6 hours”, we will get it done. Whether you need it tonight or tomorrow, all you need to do is tell us and we will work diligently to get your essay delivered to you right on time. If you have to submit an essay and write to you saying, “write my essay please” in the morning, you can be sure to receive it in the agreed deadline, whether it’s within a day or two. You'll pay your writer only if you like the result. ', their extracted main points should look very similar to the main points that you had in your plan. So that would be a good sign that you've accomplished what you wanted to accomplish in the essay. Once you've got that sequence of key points expressed in complete sentences you should have a pretty good summary of your essay. If there are special reasons why you do or do not believe what you read, say so in your paper. So, when you say, “I’m paying people to write my essay, will it be original? All you have to do is write to us saying, “Write my essay for me” and you can consider the work done. If you’re in the same boat and are asking, “who can I pay to write my essay? And that should be able to stand alone as an answer to your essay question. My third guideline for writing an essay is to use a plan. Once you've done all your reading, once you've done all your research you need to step back from it and decide what you're going to say. They'll talk about lots of things that relate to the question but they don't actually give you an answer to the question. So if the title is in the form of a question, make sure you answer the question. But what I'm going to give you today are some helpful guidelines which I hope will be useful to you as you set about the task of writing an essay.

Savvy Ways To Excel In Essay Writing

Savvy Ways To Excel In Essay Writing This method can be an effective way to finish an essay on the abstract theme â€" leaving the reader the ability to make their own interpretation. On average, an essay takes about 40 working hours â€" that includes the time you need to write rough drafts, edit and proofread. Make sure you have allocated enough time to do your best work. It takes time to develop the perfect essay from a couple of interesting ideas. At this stage of essay writing, focus primarily on the content. Take your time and organize the information you have in a logical narration based on the outline. Take out all conjunctions (aren’t, don’t, couldn’t, etc.). Practice timed essay writing with sample test questions before test day. With a little practice, you may not feel as pressured by the clock on test day. If your essay is too long, you may run the risk of losing track of the question that you should be answering. A few well-written and organized paragraphs that answer the question and showcase your command of language may score better than pages and pages of writing. If you want to write better essays, you will need to understand the criteria teachers use to score them. We think the essay form is still the best way for students to think hard on the page -- but we are not fans of formulae. Instead, we’re in favor of inquiry-based learning, evidence-rich analysis and process work. This is where your topic is explained, described and argued. Often times, the topic of the essay will be assigned. In any case, the essay ends somewhere different from where it began. The reader has learned something, precisely because the author has. This will make your paper longer and is more appropriate for academic writing. Your conclusion should always begin by restating your thesis statement. This is your chance to tie all of your main points together and go out with a bang. A good conclusion will address the main arguments of each body paragraph in a succinct way and thoroughly prove your thesis statement. Examples of scholarly sources include academic journals, peer-reviewed articles, textbooks, books by accredited authors, and NPR articles. Something interesting has, ideally, taken place. In sum, the student essay falls into the same genre as the essays we ourselves write. Although all of those arguments have merit, our own thinking on the subject is both more old-fashioned and more radical. Examples of unacceptable scholarly sources are magazine articles, open forum submissions, encyclopedia entries, and unverified online sources. If you’re looking for credible sources to use within your essay, check out Google Scholar. The most important step in writing an essay or research paper is to fully comprehend the essay question. An essay can be wonderfully articulated and thought out, but will still result in a poor grade if it doesn’t adequately answer the prompt provided. If this is the case for you, don’t rush off to step number two. The entire essay writing process is comprised of seven steps. No matter what the purpose of your composition, all essays follow the same basic structure. What is the number one thing most students fear the most? Epithets, metaphors, hyperboles are at your service! They will help you add interest to the essay, but, as mentioned above, you need to know when to stop. Not all essays will require you to wrap up the ending so nicely, some topics may allow for an uncertain ending. But getting going in June after your junior year and committing to a few exercises over the summer will be like spring training for summer athletes. You always want to arrange essays in a way that clearly presents the main idea and provides vivid images. One option for adding imagery is through quotations from other literary works.

Essaytyper

Essaytyper Over time, I've found that it's also very helpful as a tool to get thoughts going that have become stuck, or to help get to the bottom of a rotten mood. Worse, all three of these answers reveal a lack of understanding of the marketplace in which writers are trying to sell storiesâ€"the same marketplace where we agents are selling stories. State your supporting arguments, ideas, and examples in the body paragraphs. Emphasize only one point or experience, as well as reflections on it, within each paragraph. Your introduction must be eye-catching, so the readers become engaged immediately. In a reflective essay, you need to express your thoughts and emotions about certain events or phenomena. Stay in touch with the writer and control the working process from start to finish. Deposit funds into your EssayShark balance so that a writer can work on your order. When writing a reflective essay, keep a formal tone in mind. Compose a mind-map and create an outline which gives a clear direction to your writing. In most reflective essays, apart from describing what went right, you may also describe what went wrong, or how an experience could have been improved. Usage of one or more quotations in the introduction can make your writing more authoritative. In order to write believable dialogue, you need to listen to the conversations of the people around youâ€"then try to imitate them! So my advice is always to try to keeping quiet, listen only, and let other people to do the talking for a change. You’ll be surprised how much this will improve your writing skills (and how many people will think you’re a really sage person, when all you’re basically doing is spying on them). Everyone will try to talk you out of choosing a job with so little security, so it is better just to keep it to yourself, and prove them all wrong later. Some authors make an outline plotting out what will happen in each chapter, before they sit down to write the book. Start receiving proposals from our writers within minutes and chat with them live. The links below provide concise advice on some fundamental elements of academic writing. There are over a dozen types of essays, so it’s easy to get confused. However, rest assured, the number is actually more manageable. importance of close analysis of the question as the basis of a good essay cannot be overestimated. a given topic effectively and adequately support an argument with evidence, either. Release the payment when you are fully satisfied with the work. Leave feedback to share your experience with our writer. The writers who are qualified for your order will start sending you offers. Your order will be delivered strictly within the deadline. Our writers will need at least three hours to complete it. If you have questions about our service or need additional details to make a request, our friendly customer support will get your issues resolved. Check writers’ ratings, experience and awards to select the most proficient expert for yourself. If you write 750 words or more, you get 2 points. If you write two, three or more days in a row, you get even more points. It's fun to try to stay on streaks and the points are a way to play around with that. You can also see how others are doing points-wise if you're at all competitive that way. How I see it, points can motivate early on, and eventually the joy of writing will kick in and you'll be writing without any external motivation at all.

How To Write A Graduate

How To Write A Graduate To advance quality and equity in education by providing fair and valid assessments, research and related services. Our products and services measure knowledge and skills, promote learning and performance, and support education and professional development for all people worldwide. Some people believe that the most important qualities of an effective teacher are understanding and empathy. Others believe that it is more important for teachers to be rigorous and demanding in their expectations for students. All college and university students would benefit from spending at least one semester studying in a foreign country. Requiring university students to take a variety of courses outside their major fields of study is the best way to ensure that students become truly educated. In most professions and academic fields, imagination is more important than knowledge. Depending on who you ask, you may even receive conflicting advice. Some students have a background, identity, interest, or talent so meaningful they believe their application would be incomplete without it. If this sounds like you, please share your story. Common App has announced that the essay prompts will remain the same as the 2019â€"2020 essay prompts. Educational institutions should actively encourage their students to choose fields of study in which jobs are plentiful. Educators should base their assessment of students' learning not on students' grasp of facts but on the ability to explain the ideas, trends, and concepts that those facts illustrate. The primary goal of technological advancement should be to increase people's efficiency so that they have more leisure time. Educators should take students' interests into account when planning the content of the courses they teach. Regardless of your background, you should write about something that best reveals who you are. If your family’s financial circumstances, and the perspectives you’ve gained from those experiences, best show who you are, then you can certainly write about challenges you’ve faced. When you’re trying to decide what story you want to tell, you should spend some time brainstorming or talking with someone who knows you well. When I’m reading applications, I find that the most interesting stories are the ones that leave me feeling like I really know the applicant. The topic is often less important than how the story is told. If a story reveals something about who you are, what you value, where you’re from, or an event or person who has shaped you, that’s often a story worth telling. It may be the first time you’re trying to tell your life story, and you don’t necessarily have very many words to convey who you are. Establishing the right tone, and picking something that’s both interesting and revealing can be a tough process. The main benefit of the study of history is to dispel the illusion that people living now are significantly different from people who lived in earlier times. College students should be encouraged to pursue subjects that interest them rather than the courses that seem most likely to lead to jobs. Educational institutions should dissuade students from pursuing fields of study in which they are unlikely to succeed. Governments should offer college and university education free of charge to all students. Laws should be flexible enough to take account of various circumstances, times, and places. If caught, you might get suspended or, worse, expelled from your university. So, in order to make sure your essay is plagiarism, ask for a plagiarism report. This should detect any heavily copied content deemed as plagiarism. And for a few more tips on avoiding a flawed argument that your professor will see right through, check out 15 Logical Fallacies You Should Know Before Getting into a Debate. That’s why we construct arguments in the first place, because we have opinions. The key is that you must support your argument, with the aforementioned research, logic, and organization. Don’t be content to just state a point and expect it to win your audience over wholeheartedly. Present your argument, support it with strong evidence, analyze that evidence, and continually develop a sense of why, what, and how all of it together makes your stance the correct one. With that in mind, we offer a few quick tips that will set you on the right path. The best test of an argument is the argument's ability to convince someone with an opposing viewpoint. Some people believe that universities should require every student to take a variety of courses outside the student's field of study. Others believe that universities should not force students to take any courses other than those that will help prepare them for jobs in their chosen fields. Some people believe that competition for high grades motivates students to excel in the classroom. Others believe that such competition seriously limits the quality of real learning. Colleges and universities should require their students to spend at least one semester studying in a foreign country. All parents should be required to volunteer time to their children's schools. Some people believe that society should try to save every plant and animal species, despite the expense to humans in effort, time, and financial well-being. Others believe that society need not make extraordinary efforts, especially at a great cost in money and jobs, to save endangered species. Learning is primarily a matter of personal discipline; students cannot be motivated by school or college alone.

How To Write The Perfect Essay

How To Write The Perfect Essay If there is a word count for your essay try to devote 10% of this to your conclusion. You need to be concise, and clearly articulate your argument. A sentence should contain no unnecessary words, a paragraph no unnecessary sentences. There should also be an appropriate balance between these two essay components. It is worth attending to all of the suggestions and comments you receive, and trying to act on them. Make sure you have researched all the content, information accuracy checked. Most students make the mistake of writing too much knowledge and not enough evaluation . The introduction usually contains background information about the topic, your position and a preview of how your ideas will be organised. If it’s a ‘compare and contrast’ kind of question, you’ll need to demonstrate both sides of the argument. If it’s a ‘define and explain’ kind of question, you’ll need to show that you have a deep understanding of the topic. Essays need to have a beginning, a middle and an end. The introduction should outline the problem, explain why it’s important, and briefly outline the main arguments. Don’t start with a dictionary definition â€" this is clichéd and boring. It should sum up the main arguments in the middle and finish with a conclusions that finally answers the essay question. The introduction should identify the topic; give essential background information and/or definitions of key words where necessary; and indicate the direction and angle of your argument. You will find a number of great books on essay writing in the Laidlaw Library, Level 1, under Skills E-5. However, even an experienced writer needs to be deliberate and thorough in order to write a well-constructed essay. An essay assesses the strength of your critical thinking and your ability to put that thinking into a persuasive written form. Following body paragraphs These follow the same structure for as many arguments as you wish to put forward in support of the topic. Examples of this type of essay include questions which ask you to take a position on a topic, such as a particular decision or policy, and present arguments which support your position. An effective way to argue a point can be to present the opposing view first then counter this view with stronger evidence. Essays are used as assessment at University to demonstrate your knowledge and understanding of a topic. They are also useful tools to promote thinking and learning. It is necessary to recheck it again after finishing the essay because making grammar mistakes is not acceptable in any essay writings. So, use correct punctuation and spellings and make your reader connected with an essay. Use simple and crisp language while writing an essay in English. Try writing an essay in a way that the user finds it interesting and develops enthusiasm in it and finishes it completely. Write the first paragraph interesting as it draws the user’s attention and they keep them going. As with teaching, it is often not until you try to communicate an argument and its evidence that you find where the gaps are in your knowledge or argument. So don’t be afraid of writing down your ideas before they are fully formed, or in the ‘right’ order. Good, constructively critical feedback can give you excellent guidance on how to improve your essay writing. If it has two parts, divide your essay into two parts to answer the question. Read widely around the topic before you even start and you’re halfway there. You are required to develop an argument and apply critical thinking skills to analyse a range of academic sources in support of your argument. The QUT cite|write booklet contains information on critical thinking. A tutor can learn a worrying amount about the quality of your essay simply from how it looks on the page. You may feel that, for your particular essay, structures like these feel too rigid. You may wish to create a more flexible or fluid structure.

How To Write A Graduate

How To Write A Graduate Buy yourself a nice notepad and use it to collect new words and their meanings. The act of writing down the definition will help you remember it, and you could include an example of how the word is used to increase your chances of memorising it for use in essays. Sometimes, in the process of writing, you’ll realise that you entirely disagree with two-days-ago you, and you don’t really believe in the argument you’re trying to make. Don’t plough on regardless â€" a lack of conviction will show in your essay. Here, you'll find information on a government-sponsored writing competition for writers aged . The foundation welcomes submissions of creative nonfiction, novels, scripts, poetry, short story and spoken word. Tumblr is a blogging website where you can share your writing and interact with other writers online. Before you start writing your essay, you need to figure out who you're writing for , what you're writing about (topic/theme), and what you're going to say . This section contains links to handouts, chapters, videos and more to help you prepare to write an essay. Brightstorm's free video lectures are easy to navigate by topic. This unit on the parts of an essay features content on the essay hook, thesis, supporting evidence, and more. These include the topic sentence, information, evidence, and analysis. This page identifies the role of the introduction in any successful paper, suggests strategies for writing introductions, and warns against less effective introductions. This handout provides questions you can ask yourself to determine the audience for an academic writing assignment. It also suggests strategies for fitting your paper to your intended audience. As far as possible, try and organise your thoughts into sections, and see if you can link ideas together. my problem is writing critical essay on a topic not on a book, article or film, I guess I will just have to follow the same layout and format the essay. Yes, essays are many, and it might seem impossible to learn the differences between them and the rules of writing them. All you need to do is identify the purpose of your assigned work and outline it accordingly. It's easy to add photos, links, audio, and video components. This is an introduction to the drafting process from the site Academic Help, with tips for getting your ideas on paper before editing begins. This list of common academic writing assignments will help you know what to expect from essay-based assessments. This snappy article from ThoughtCo talks about the origins of the essay and different kinds of essays you might be asked to write. Essays are different from other forms of writing; in turn, there are different kinds of essays. Return to your plan, and see if you can use similar material but change the emphasis, and perhaps the odd bit of evidence, to produce a different argument. 5) Fill out your skeleton more and more, until it’s essentially a rough draft in bullet points. Every twist or nuance of your argument should be in there; every introductory and concluding sentence for every paragraph, making it explicit how this paragraph answers your question. 1) Re-read your notes a couple of times, and underline anything you think is particularly important, interesting, or relevant to the area of the topic you want to discuss. This overview of the academic essay conclusion contains helpful examples and links to further resources for writing good conclusions. This blog post discusses body paragraphs in the context of one of the most common academic essay types in secondary schools. This module of a free online course introduces you to the components of a body paragraph. This section contains general resources for getting to know the essay and its variants. These resources introduce and define the essay as a genre, and will teach you what to expect from essay-based assessments. Start a vocabulary book â€" you probably have one if you’re learning a foreign language, so why not have one for your native language as well?

Background On Islamic Banking Example For Free - Free Essay Example

Since the 1970s, Islamic banking has emerged as a new reality in the international financial scene. Its philosophies and principles are however, not new, having been outlined in the Holy Quran and the Sunnah of Prophet Muhammad (p.b.u.h) more than 1,400 years ago. The emergence of Islamic banking is often related to the revival of Islam and the desire of Muslim to live all aspects of their live in accordance with the teachings of Islam. The Islamic Banking System (IBS) is defined as a banking system whose principles underlying its operation and activities are founded in Islamic or Shariah rules. The main factor that distinguishes Islamic banks from conventional banks is that all transactions are administered without involving elements of interest or Riba. The principles objective of the establishment of Islamic banking is to cater the needs of Muslims in banking transactions. The success of the Islamic bank in catering the deposit and credit needs of clients proved that Shariah principle were still applicable and could be adopted by modern-day business. In Malaysia, split Islamic legislation and banking regulations exists side-by-side with those for the conventional banking system. The legal basis for the establishment of Islamic banks was the Islamic Banking Act (IBA) which came into effect on 7 April 1983. The IBA provides Central Bank of Malaysia (BNM) with powers to supervise and regulate Islamic banks, si milar to the case of other licensed banks. The Government Investment Issue (GII), which are government securities issued based on Shariah principles. As the GII are regarded as liquid assets, the Islamic banks could invest in the GII to meet the prescribed liquidity requirements as well as to invent their surplus funds. The first Islamic bank established in the country was Bank Islam Malaysia Berhad (BIMB) which commenced its operations starting from 1 July 1983. In line with its objectives, the banking activities of the bank are based on Shariah principles. After more than a decade in operations, BIMB has proved to be a practicable banking institution with its activity expanding rapidly throughout the country with a network of 112 branches. The bank was listed on the Main Board of FBM KLCI formerly known as Main Board of the Kuala Lumpur Stock Exchange on 17 January 1992. The long-term objective of BNM is to create an Islamic banking system operating on a parallel basis with the conventional banking system. However, similar to any banking system, an Islamic banking system requires three fundamental elements to qualify as a viable system, i.e.:- A large number of players; A broad variety of instruments; and An Islamic money market. In addition, an Islamic banking system must also reflect the socio-economic values in Islam, and must be Islamic in both substance and form. Recognizing the above, BNM adopted a step-by-step approach to achieve the above objective. The first step to spread the virtues of Islamic banking was to disseminate Islamic banking on a nationwide basis, with as many players as possible and to be able to reach all Malaysians. After a careful consideration of various factors, BNM decided to allow the existing banking institutions to offer Islamic banking services using their existing infrastructure and branches. The option was seen as the most effective and efficient mode of increasing the number of institutions offering Is lamic banking services at the lowest cost and within the shortest time frame. Following from the above, on 4 March 1993 BNM introduced a scheme known as Skim Perbankan Tanpa Faedah (Interest-free Banking Scheme) or SPTF in short. In terms of products and services, there are more than 40 Islamic financial products and services that may be offered by the banks using various Islamic concepts such as Mudharabah, Musyarakah, Murabaha, Nai Bithaman Ajil (Bai Muajjal), Ijarah, Qardhul Hasan, Istisna and Ijarah Thumma Al-Bai. To link the institutions and instruments, the Islamic Interbank Money Market (IIMM) was introduced on 4 January 1994. In October 1996, BNM issued a model financial statement for the banking institutions participating in the SPI requiring the banks to disclose the Islamic banking operations (balance sheet and profit and loss account) as an additional item under the Notes to the Accounts. As part of the effort to streamline and harmonize the Shariah interpretati ons among bank and Takaful companies, BNM established the National Shariah Advisory Council on Islamic Banking and Takaful (NSAC) on 1 May 1997 as the highest Shariah authority on Islamic banking and Takaful in Malaysia. The conceptual development of Islamic banking gained momentum after the mid-1940s. Islamic scholars such as Qureshi (1946), Ahmad (1952), Uzair (1995), Maududi (1961), Al-Arabi (1996), Siddiqi (1967), and Al-Sadr (1974) made significant contributions to the evolution of the Islamic banking model. Islamic banking has made steady progress over recent decade. In recent years it has emerged as the fastest-growing segment of global finance. There has been an unprecedented growth and deepening of Islamic banking products Sukuks or Islamic bonds, Takaful or Islamic insurance services, equity funds, hedge funds, assets and wealth management, risk and liquidity management, real estate and corporate finance. In contrast, conventional banking has been established much l onger than Islamic banking. In terms of experience and product choices conventional banks are more advanced. Conventional banking is based on a pure financial intermediation model, whereby banks mainly borrow from savers and then lend to enterprise or individuals. They make profit from the margin between the borrowing and lending rates of interest. They also provide banking services, like letters of credit and guarantees. A proportion of their profit comes from the low-cost funds that they obtain through demand deposits. Conventional banks are prohibited from trading and their shareholding is severely restricted to a small proportion of their net worth. Standard Chartered Bank Malaysia Berhad (SCBMB) is a member of the Standard Chartered Group was established in Malaysia in 1875 when its first branch opened for business at Downing Street, Penang. The bank was locally incorporated as a Standard Chartered bank Malaysia Berhad on 29 February 1984. As Malaysias first bank with over 1 30 years of history, SCBMB employs more than 5,000 employees within its Malaysian operations which covers more than 30 branches across the country, a global market shared service centre, a wholly owned subsidiary Price Solutions which markets its retail financial products, an offshore facility in Labuan. SCBMB leads the way through product innovation, consistent and strong growth performance and sustainability initiatives. It provides a comprehensive range of financial products and services including retail, Islamic and wholesale banking for individuals, small and medium-sized enterprise, as well as corporate and institutions. Malayan Banking Berhad (Maybank) is Malaysia largest financial services group and has a strong regional presence in South East Asia. Maybank aim to maximize value for their shareholders by staying diversified across geography and business units and capturing growth opportunities in high growth markets. Malayan Banking Berhad or also known as Maybank Group is the leading financial services provider in Malaysia catering the needs of consumers, investors, entrepreneurs, non-profit organizations and corporations. The Group, which has expanded international, has the largest networking among Malaysian banks of over 1,750 branches and offices in 14 countries, employing 40,000 workers and serving over 18 million customers. This study are been carried out to examine and analyze the experience with Islamic banking of Bank Islam Malaysia Berhad (BIMB), in order to evaluate the Islamic banks performance in comparison with the Conventional banks in Malaysia, in this case are Standard Chartered Bank Malaysia Berhad (SCBMB) and Malayan Banking Berhad (Maybank) through financial ratios and tested by Descriptive Statistics and ANOVA by using Minitab version 15.0. This study is performed to measure the performance of BIMB, SCBMB and Maybank for the period of 10 years ranging from 2000 until 2009. 1.2 Differences between the Islamic Banking and Conventional Banking One must refrain from making a direct comparison between Islamic banking and conventional banking. This is because Islamic banking and conventional banking are extremely different in many ways. The main difference is that Islamic Banking is based on Shariah foundation. Thus, all dealing, transactions, business approach, product feature, investment focus, responsibility are derived from the Shariah law, which lead to the significant difference in many part of the operations the conventional banking. The foundation of Islamic bank is based on the Islamic faith and must stay within the limits of Islamic Law or the Shariah in all of its action and deeds. The original meaning of the Arabic word Shariah is the way to the source of life and is now used to refer to legal system in keeping with the code of behavior called for by the Holly Quran. Among the governing principles of an Islamic bank are: The absence of interest-based (Riba) transactions; The avoidance of economic activi ties involving domination (Zulm); The avoidance of economic activities involving speculation (Gharar); The introduction of an Islamic tax, Zakat The discouragement of the production of goods and services which contradict the Islamic value (Haram) On the other hand, conventional banking is essentially based on the debtor-creditor relationship between the depositors and the bank on one hand, and between the borrowers and the bank on the other. Interest is considered to be the price of credit, reflecting the opportunity cost of money. Islamic law considers a loan to be given or taken, free of charge, to meet any contingency. Thus in Islamic banking, the creditor should not take advantage of the borrower. When money is lent out on the basis of the interest more often that it leads to some kind of injustice. The first Islamic principle underlying for such kind of transactions is deal not unjustly, and ye shall not be dealt with unjustly [2:279] which explain why commercial banking in an Islamic framework is not based on the debtor-creditor relationship. The other principle pertaining to financial transactions in Islam is that there should not be any reward without taking a risk. This principle is applicable to both labor and capital. As no payment is allowed for labor, unless it is applied to work, there is no reward for capital unless it is exposed to business risk. Thus, financial intermediation in an Islamic framework has been developed on the basis of the above-mentioned principles. Consequently financial relationships in Islam have been participatory in nature. REVIEW OF THE RELATED LITERATURE 2.1 Islamic Banking and Conventional Banking In 1963, Islamic banking came into existence on an experiment basis on a small scale in a small town of Egypt. The success of this experiment opened the doors for a separate and distinct market for Islamic banking and finance and as a result, in 1970s Islamic banking came into existence at a moderate scale and a number of full-fledge Islamic banks was introduced in Arabic and Asian countries. Most of these Islamic banks were in Islamic countries. Having started on a small scale, Islamic banks and non-banking financial institutions are now operation even on more intensive scale. Today, Islamic banks are operating in more than sixty countries with assets base of over $166 billion and a marked annual growth rate of 10%-15%. In the credit market, market share of Islamic banks in Muslim countries has risen from 2% in the late 1970s to about 15% today. These facts and figures certify that Islamic banking is viable and efficient as the conventional banking. (Aggarwal and Yousaf 2000). Islamic banking is regarded as a fastest growing market, on the other side, it is not free from issues, problem, and challenges. Numerous studies have been performed since the inception of the modern Islamic banking and finance. Conceptual issues underlying interest free financing (Ahmad 1981, Karsen 1982) have been the prime focus of these previous studies on Islamic banks. It is hard to find enough coverage in the existing literature on the issues of viability of Islamic banks and ability to mobilize savings, pool risk and facilitate transactions (Hassan Basher 2005). However, there are few studies that have focused on policy implications of eliminating interest payments. (Khan and Mirakhor 1987) 2.2 Ratio Analysis Kader Asarpota (2007) applied financial ratio analysis to assess the performance of the Malaysian Islamic bank and UAE Islamic banks respectively. Similarly, to measure efficiency of Islamic banks in Bangladesh, Sarkar (1999) utilized banking efficiency model and claimed that Islamic banks can stay alive even within a traditional banking architecture in which Profit-and-Loss Sharing (PLS) modes of financing are less dominated. Sarkar (1999) further claimed that Islamic financial products have different risk characteristics and consequently different prudential regulations should be in place. Samad (1999) evaluated the relative efficiency position of the Islamic bank during 1992-1996, and compared it with the conventional banks in the country. His finding was that Bank Islam Malaysia enjoyed relatively higher managerial efficiency than the conventional banks. Samad and Hassan (2000) evaluated inter-temporal and interbank performance in profitability, liquidity, risk and solve ncy, and community involvement of an Islamic bank (Bank Islamic Malaysia Berhad (BIMB) over 14years for the period 1984-1997. The study is inter-temporal in that it compares the performance of BIMB between the two time period 1984-1989 and 1990-1997. This is not a new method (Elyasiani 1994). To evaluate interbank performance, the study compares BIMB with two conventional banks (one smaller and one larger than BIMB) as well as with 8 conventional banks. Using financial ratios to measure these performance and F-test and T-test to determine their significance, the results show that BIMB make statistically significance improvement in profitability during 1984-1997, however, this improvement when compared with conventional banks is lagging behind due to several reasons. This result is consistent with that of Samad (1999) and Hassan (1999). The study also revealed that BIMB is relatively less risky and more solvent as compared to conventional banks. These results also conform to risk-ret urn profile that is BIMB is comparatively less profitable and less risky. Performance evaluation of BIMB indicates that it is more liquid as compared to the group of 8 conventional banks. Results of the primary data gathered by surveying 40% to 70% bankers identify that lack of knowledgeable bankers in selecting, evaluating and managing profitable project is a significant cause why Musharaka and Mudarabah are not popular in Malaysia. Abdus Samad (2004) in his paper examined the comparative performance of Bahrains interest-free Islamic banks and the interest-based conventional commercial banks during the post Gulf war period 1991-2001. Using nine financial ratios in measuring the performances with respect to (a) Profitability, (b) liquidity risk, and (c) credit risk, and applying Students t-test to these financial ratios, the paper concludes that there exists a significant difference in credit performance between the two sets of banks. However, the study found no major difference in probability and liquidity performances between Islamic banks and conventional banks. Kader and Asarpota (2007) utilized bank level data to evaluate the performance of the UAE Islamic banks. Balance sheets and income statements of 3 Islamic banks and 5 conventional banks in the time period 2000-2004 are used to compile data for the study. Financial ratios are applied to examine the performance of the Islamic banks in profitability, liquidity, risk and solvency, and efficiency. The results of the study show that in comparison with UAE conventional banks, Islamic banks of UAE are relatively more profitable, less liquid, less risky, and more efficient. They conclude that there are two important implications associated with this finding. First, attributes of the Islamic profit-and-loss sharing banking paradigm are likely to be associated as a key reason for the rapid growth in Islamic banking in UAE. Second, UAE Islamic banks should be regulated and supervised in a different way as the UAE Islamic banks in practice are different from UAE conventional banks. According to Munawar Iqbal (2001) there is a serious lack of empirical studies on Islamic banking. This research attempts to fill that gap to some extent. Using data for the 1990-1998 periods, several hypotheses and common perceptions about the practice of Islamic banking have been tested. The performance of Islamic banks has been evaluated using both trend and ratio analyses. For this purpose, some objective benchmark for various ratios has been developed for the first time. The performance of Islamic banks has also been compared with a control group of conventional banks. It has been found that in general Islamic banks have done fairly well during the period under study. Studies which used financial ratio analysis have generally found, contrary to the earlier hypotheses, that Islamic banks are more efficient than conventional banks in terms of resource use, cost effectiveness, profitability, asset quality, capital adequacy and liquidity ratios than conventional banks (Iqbal 2001, Hassan and Bashir 2005). Commercial banks, however, have a more favorable operations ratio. (Hassan and Bashir 2005). According to Muhammad Jaffar and Irfan Manarvi (2011), the study examined and compared the performance of Islamic and conventional banks operating inside Pakistan during 2005 to 2009 by analyzing CAMEL test standard factors such as capital adequacy, asset quality, management quality, earning ability, and liquidity position. The financial data for the study was mined from the banks financial statements existing on state bank of Pakistan website. A sample of 5 Islamic banks and 5 conventional banks were selected to measure and compare their performance. Each year the average ratios were considered, because some of the young Islamic banks in the sample do not have 5 years of financial data. CAMEL test which is a standard test to check the health of financial institutions was used to d etermine the performance of Islamic and conventional banks. The study found that Islamic banks performed better in possessing adequate capital and better liquidity position while conventional banks pioneered in management quality and earning ability. Asset quality for both modes of banking was almost the same, conventional banks recorded slightly smaller loans loss ratio showing improved loan recovery policy whereas, UNCOL ratio analysis showed nominal better performance for Islamic banks. Jill Johns, Marwan Izzeldin and Vasileos Pappas, examined efficiency in Islamic and conventional banks in the GCC region (2004-2007) using financial ratio analysis (FRA), Islamic banks are less cost efficient more revenue and profit efficient than conventional banks. Siti Rochmah Ika (2008) investigated whether the financial performance of Islamic banks in the period before fatwa is different from that in the period after fatwa. Furthermore, this study intends to examine the comparative financi al performance of Islamic banks and conventional banks in the period both before fatwa and after fatwa. In evaluating banks performance, this study used various financial ratios categorized as profitability, liquidity, risk and solvency, and efficiency. To determine the difference, this study used t-test. The result of this study indicates that, in general, comparison of financial performance of Islamic banks in the period before fatwa and after fatwa does not show statistically difference. Likewise, the result of interbank analysis also indicates that there is no major difference in performance between Islamic banks and conventional banks in the period both before fatwa and after fatwa. Studies which use financial ratio analysis have generally found, contrary to the earlier hypotheses, that Islamic banks are more efficient than conventional banks in terms of resources use, cost effectiveness, profitability, asset quality capital adequacy and liquidity ratios than conventional ba nks (Iqbal 2001, Hassan and Bashir 2005). Commercial banks, however, have a more favorable operations ratio (Hassan and Bashir 2005). PROBLEM DEFINITION AND OBECTIVES OF THE STUDY 3.1 Problem Definition Islamic and conventional bank was different from each other from many aspects in which the Islamic bank have to follow the Shariah rules, while the conventional bank have no constraint in their transactions and day to day operation. Besides that, conventional bank offered high interest rate to the customers. Many are skeptical about Islamic banks performance. There are several reasons for this. First, Islamic banks are non-conventional financial institution since interest is the corner stone of conventional banks. Second, Islamic banks operate under dual-constraints. While operating as a commercial bank, Islamic banks obey not only conventional business laws of the land, but also the Islamic laws. They have to sacrifice many profitable investment opportunities because those are not permitted under the divine laws of Islam. Given the afore-mentioned scenario, how has Islamic bank in Malaysia performed as compared to its counterparts in the banking sector? 3.2 Objectives of the Study The present study attempts to examine, analyze and compare the performances of Islamic bank and two conventional banks in Malaysia in terms of the following: Profitability; Liquidity; Risk and solvency; and Efficiency SIGNIFICANCE, SCOPE AND LIMITATIONS OF THE STUDY Significance of the Study This study will provide information of the evaluation in terms of profitability, liquidity, risk and solvency and efficiency of an Islamic bank, Bank Islam Malaysia Berhad (BIMB) over ten years for the period ranging from 2000-2009. The study compares the performance of BIMB between the conventional banks of Standard Chartered Bank Malaysia Berhad (SCBMB) and Malayan Banking Berhad (Maybank). This research project provides useful information about the strength and weaknesses of the BIMB, SCBMB and Maybank, so that the BIMB, SCBMB and Maybank may improve its operation. The findings of this study show the performance of BIMB, SCBMB and Maybank for the period over the 10 years. Besides, this study also will provide useful information that can be used as a reference or guideline to help other researcher in conducting any similar research. The study focuses only on one selected Malaysian Islamic Bank and another two selected Malaysian Conventional Bank. These banks are Bank Islam Malaysia Berhad (BIMB), Standard Chartered Bank Malaysia Berhad (SCBMB), and Malayan Banking Berhad (Maybank). Scope and Limitations of the Study The presents study focuses on only three selected Malaysian Commercial Banks which comprise one Islamic bank and two conventional banks. These banks are Bank Islam Malaysia Berhad, Malayan Banking Berhad, and Standard Chartered Bank Malaysia Berhad included in the sample for the following reasons: Bank Islam Malaysia Berhad (BIMB) As the first Islamic bank in Malaysia As a leader in Islamic bank in Malaysia Malayan Banking Berhad (Maybank) As the largest financial service group in Malaysia. As a leader in banking industry over a 5 decades in Malaysia Largest networks among Malaysian banks over 14 countries. Standard Chartered Bank Malaysia Berhad (SCBMB) As the first bank established in Malaysia. Leading the way of Asia, Africa and Middle East. The sample period for the study is only ten years which using yearly basis ranging from the year of 2000 until 2009. The data are analyzed in terms of performances for selected banks included in the samples by the Financial Ratio Analysis (FRA) approach and tested by using Descriptive Statistics and ANOVA by using Minitab version 15.0 only. HYPOTHESES Given the objectives of the study that have been highlighted in section 3.2, the study attempts the following null hypotheses. There are no significant differences in the statistical distributions of performances among the banks included in the samples which are BIMB, Maybank and SCBMB, in terms of: Profitability; Liquidity; Risk and solvency; and Efficiency DATA AND EMPIRICAL METHODS 6.1 Data According to the Subramanyam Wild (2009) financial statement is a commonly used measure of managerial performance. Financial Statement analysis involves using the output of the standard business information system found in all businesses to judge the performance and riskiness at an instance or over time. A business may have other information systems for managers but all business must conform to generally accepted standards with their financial statements. In examining and comparing the performances of Islamic and conventional banks in Malaysia four banks are included in the sample. These banks are Bank Islam Malaysia Berhad, Bank Muamalat, Malayan Banking Berhad, and Standard Chartered Bank Malaysia Berhad while Bank Islam Malaysia Berhad and Bank Muamalat and Malayan banking Berhad are local commercial banks, Standard Chartered Bank Malaysia Berhad is a foreign bank. Two banks in this sample are listed on the Bursa Malaysia (i.e., Bank Islam Malaysia Berhad and Malayan Banking Berhad), whereas Bank Muamalat and Standard Chartered are not listed. Since the study would be based on ratio analysis, the data for the study are obtained from financial statements of the selected banks in the sample. The sample period of the study is only for ten years, ranging from 2000 to 2009. 6.2 Empirical Methods 6.2.1 Financial Ratio Analysis Using financial ratios financial performances of banks in the sample are examined from four prospective; namely, profitability, liquidity, risk and solvency and efficiency ratios. Various indexes have been provided by financial management theories for measuring banks performance. Using financial ratios is one of them. To measure performance, financial ratios have been used quite commonly and extensively in the literature. For example, bank regulators use financial ratios to evaluate banks performance (Samad Hassan 2000), Patnam (1983), Meister and Elyasiani (1988), Spindler (1991), Akkas (1994), Sabi (1996), and Samad (1999), Ali Rami (2006) gave employed ratios for evaluating a banks performance. In order to see how Islamic bank has performed in comparison with the conventional banks over 10 years, the study uses financial ratios for the banks performance. These ratios are broadly categorized into four groups: (a) profitability ratios; (b) liquidity ratios; (c) risk and so lvency ratios and (d) efficiency ratio. 6.2.1.1 Profitability Ratios Generally, accounting profits are the difference between revenues and costs. Profitability is considered to be the most difficult attributes of a firm to conceptualize and to measure (Ross, Westerfield, and Jaffe 2005). These ratios are used to assess the ability of the business to generate earnings in comparison with its all expenses and other relevant costs during a specific time period. More specifically, these ratios indicate firms profitability after taking account of all expenses and income taxes, the efficiency of operations, firm pricing policies, profitability on assets and to shareholders of the firm (Van Horne 2005). Profitability ratios are generally considered to be the basic bank financial ratio in order to evaluate how well bank is performing in terms of profit. For the most part, if a profitability ratio is relatively higher as compared to the competitor(s), industry averages, guidelines, or previous years same ratios, then it is taken as indicator of better perform ance of the bank. In measuring profitability two financial ratios would be used: Return on assets (ROA) and Return on Equity (ROE). (a) Return on Assets (ROA) Return on assets indicates the profitability on the assets of the firm after all expenses and taxes (Van Horne 2005). It is a common measure of managerial performance (Ross, Westerfield, Jaffe 2005). It measures how much the firm is earning after tax for each dollar invested in the assets of the firm. That is, it measures net earnings per unit of a given asset, moreover, how bank can convert its assets into earnings (Samad Hassan 2000). Generally, a higher ratio means better managerial performance and efficient utilization of the assets of the firm and lower ratio is the indicator of inefficient use of assets. ROA can be increased by firms either by increasing profit margins or asset turnover but they cant do it simultaneously because of competition and trade-off between turnover and margin. ROA is calculated as follows: ROA = Net profit after tax Total Assets (b) Return on Equity (ROE) Return on equity indicates the profitability to shareholders of the firm after all expenses and taxes (Van Horne 2005). It measures how much the firm is earning after tax for each dollar invested in the firm. In other words, ROE is net earnings per dollar equity capital. (Samad Hassan 2000). It is also an indicator of measuring managerial efficiency [(Ross 1994), Sabi (1996), Hassan (1999), and Samad (1998). By and large, higher ROE means better managerial performance; however, a higher return on equity may be due to debt (financial leverage) or higher return on assets. Financial leverage creates an important difference between ROA and ROE in that financial leverage always magnifies ROE. This will always be the case as long as the ROA (gross) is greater the interest rate on debt (Ross, Westerfiled, Jaffe 2005). Usually, there is higher ROE for high growth companies. ROE is calculated as follows: ROE = Net profit after tax Total Equity 6.2.1.2 Liquidity Ratios Liquidity ratios measure the ability of the firm to meet its short term obligations, maintain cash position, and collect receivables. In general sense, the higher liquidity ratios mean bank has larger margin of safety and ability to cover its short term obligations. Measures of liquidity are: Loan to Deposit Ratio (LDR) and Loan to Asset Ratio (LAR). (a) Loan to Deposit Ratio (LDR) Loan to deposit is the most important ratio to measure the liquidity condition of the bank. Here, loan means the advances for the conventional banks and financings for the Islamic banks. Because Islamic banks are prohibited to extend loans and earn interest (Riba) and restricted to follow Islamic Shariah Principles while conducting their banking business operations so the only way the Islamic banks can utilize their deposits is to provide financings through different Islamic financial products. Bank with Low LDR is considered to have excessive liquidity, potentially lower profits, and hence less risk as compared to the bank with high LDR. However, high LDR indicates that a bank has taken more financial stress by making excessive loans and also shows risk that to meet depositors claims bank may have to sell some loans at loss. LDR is calculated as follows: LDR = Loan Deposit (b) Loan to Asset Ratio (LAR) Like LDR, loan to assets ratio (LAR) is also another important ratio that measures the liquidity condition of the bank. Whereas LDR is a ratio in which liquidity of the bank is measured in terms of its deposits, LAR measures liquidity of the bank in terms of its total assets. That is, it gauges the percentage of total assets the bank has invested in loans (or financings). The higher is the ratio the less the liquidity for the bank. Similar to LDR, the bank with low LAR is also considered to be more liquid as compared to the bank with higher LAR. However, high LAR is an indication of potentially higher profitability and hence more risk. LAR is calculated as follows: LAR = Loan Asset 6.2.1.3 Risk and Solvency Ratio This is a class of ratios that measures the risk and solvency of the firm. These ratios are also referred to as gearing, debt or financial leverage ratios. The extent to which a firm relies on debt financing rather equity is related with financial leverage. These ratios determine the probability that the firm default on its debt contacts. The more the debt a firm has the higher is the chance that firm will become unable to fulfill its contractual obligations. In other words, higher levels of debt can lead to higher probability of bankruptcy and financial distress. To measure risk and solvency of the bank, measures usually used are: Debt-Equity Ratio (DER). (a) Debt to Equity Ratio (DER) It is one of the tools to measure the extent to which firm uses debt. It measures ability of the bank capital to absorb financial shocks. In case, creditors default in paying back their loans or the asset values decrease bank capital provides shield against those loan losses. A bank with lower DER is considered better as compared to the bank with higher DER. DER is calculated as follows: DER = Total Debt______ Shareholders Equity 6.2.1.4 Efficiency Ratios These ratios measure how effectively and efficiently the firm is managing and controlling its assets. These ratios indicate the overall effectiveness of the firm in utilizing its assets to generate sales, quality of receivables and how successful the firm is in its collections, the promptness of payment to suppliers by the firm, effectiveness of the inventory management practices, and efficiency of firm in controlling its expenses. Higher value of these ratios is taken as good indicator which means firm is doing well. Ratios used to measure efficiency of the bank are: Asset Utilization (AU), and Income to Expense Ratio (IER). (a) Asset Utilization (AU) How effectively the bank is utilizing all of its assets is measured by assets utilization ratio. The bank is presumably said to using its assets effectively in generating total revenues if the AU ratio is high. If the ratio of AU is low, the bank is not using its assets to their capacity and should either increase total revenues or dispose of some of the assets (Ross, Westerfield, and Jaffe 2005). Total revenue of the bank in this study is defined as net spread before provision plus all other income. AU is calculated as follows: AU = Total Revenue Total Assets (b) Income Expense Ratio (IER) Income to expense is the ratio that measures amount of income earned per dollar of operating expense. This is the most commonly and widely used ratio in the banking sector to assess the managerial efficiency in generating total income versa controlling its operating expenses. High IER is preferred over lower one as this indicates the ability and efficiency of the bank in generating more total income in comparison to its total operating expenses. Total income in this study is defined as net spread earned before provisions plus all other income while the other expenses in the income statement are treated as total operating expense for the study. IER is calculated as follows: IER = Total Debt______ Total Operating Expenses 6.2.2 Analysis of Variance The analysis of variance is a powerful and common statistical procedure in the social sciences. It can handle a variety of situations. The procedure also known as ANOVA is general technique that can be used to test hypotheses concerning means among two or more groups are equal, under the assumption that the sample populations are normally distributed. In statistics, analysis of variance (ANOVA) is a collection of a statistical model, and their associated procedures, in which the observed variance in particular variables is partitioned into components attributable to different sources of variation. In its simplest form ANOVA provides a statistical test of whether or not the means of several groups are all equal, and therefore generalizes t-test to more than two groups. ANOVAs are helpful because they possess an advantage over a two-sample t-test. Doing multiple two-sample t-tests would result in an increased chance of committing a type error. For this reason, ANOVAs are useful in comparing two, or three or more means. In this study, ANOVA is used to comparing means between the Bank Islam Malaysia Berhad, Malayan Banking Berhad and Standard Chartered Bank Malaysia Berhad. ANOVA will be calculated using Minitab version 15.0 program. CONCLUDING COMMENTS The present research project report is made up of seven chapters. Starting with chapter one, introduces the project, chapter two reviews of the related literature, chapter three identify the problem definition and objectives of the study, chapter four recognize the significance, scope and limitations of the study, chapter five cover the hypotheses of the study, chapter six discover the empirical methods of the study to be used, and chapter seven cover up the conclusion of the study. Under chapter 3 can be concludes as the performance of Islamic bank performed as compared to its counterparts, conventional banking in Malaysia. Moreover, this study has the target to achieve as listed in the objectives of the study. Finally, overall of this study reveals the important in using the results of the study, area of the study involved and the drawback in chapter 4. Since the accurate data are obtained and hypotheses have been constructing, the suggested methodology can be run to acq uire the results of the study. As suggested in chapter 6, this study interested to look the comparative analysis between the Islamic bank and conventional banks in Malaysia. The simple financial analysis ratio and Minitab version 15.0 models as suggested above have willingness to recognize the performance between both types of banks which are Islamic bank and conventional bank. RECOMMENDATION

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Early Western Civilization A Gift of Peace from th Essay e Past, The Ancient OlympicsSince 1896, the year the Olympics were resurrected from ancient history, the Olympics have been a symbol of the camaraderie and harmony possible on a global scale. The gathering of athletic representatives, the pride of the pack, from participating governments, even throughout the recent Cold War period, is proof that world unity is possible; just as it was in Ancient Greece with the polis or city-states.Olympic Games were held throughout Ancient Greece, but the most famous are the games that were held in Olympia in honor of Zeus every four years from August 6th to September 19th. The first record of these games is of one Coroebus of Elis, a cook, winning a sprint race in 776 BC. Most historians believe the games to have been going on for approximately 500 years before this. In the year Coroebus was made a part of history, there was apparently only one simple event, a race called the stade. The track was said to be one stade long or roughly 210 yards.In subsequent games, additional events were to be added, most likely to increase the challenge to these amazing athletes. In 724 BC, the diaulos, a two stade race, was added, followed by a long distance race, about 2 miles and called the dolichos, at the next games four years later. Wrestling and the famous Pentathlon were introduced in 708 BC.The Pentathlon consisted of five events; the long jump, javelin throw, discus throw, foot race, and wrestling. The Pentathlons, especially the successful ones, were often treated and even worshipped like gods. Because of their exquisite physiques, they were used as the models for statues of the Greek Gods. The superior athletic ability of these athletes affects the games even today. The twisting and throwing method of the discus throw, which originated in Ancient Greece, is still used today. The original events were even more challenging than those of today. The modern discus weighs in at just 5 pounds, one-third of the original weight, and the long jumps were done with the contestant carrying a five pound weight in each hand. The pit to be traversed in this jump allowed for a 50 foot jump, compared to just over 29 feet in our modern Olympics. Apparently, the carried weights, used correctly, could create momentum to carry the athlete further. Legend has it that one Olympian cleared the entire pit by approximately 5 feet, breaking both legs as he landed.One significant difference between the modern and ancient games; the original Olympians competed in the nude. Because of this, the 45,000 spectators consisted of men and unwed virgin women only. The only exception to this would be the priestess of Demeter who was also the only spectator honored with a seat. The young unwed women were allowed to watch to introduce them to men in all their splendor and brutality whereas it was felt that married women should not see what they could not have. In addition, the virgins had their own event which occurred on the mens religious day of rest. Called the Haria, in honor of Hara the wife of Zeus, the young women would race dressed in a short tunic which exposed the right breast. Traditionally, Spartan women dominated this event, being trained from birth for just this purpose.The religious undertones of the events became extremely apparent on the third day of the games when a herd of 100 cows were killed as a sacrifice to Zeus. In actuality, only the most useless parts were burned in honor of Zeus; most of the meat would be cooked and eaten that day. .u31d8d63c148155ff4e2577df6df28442 , .u31d8d63c148155ff4e2577df6df28442 .postImageUrl , .u31d8d63c148155ff4e2577df6df28442 .centered-text-area { min-height: 80px; position: relative; } .u31d8d63c148155ff4e2577df6df28442 , .u31d8d63c148155ff4e2577df6df28442:hover , .u31d8d63c148155ff4e2577df6df28442:visited , .u31d8d63c148155ff4e2577df6df28442:active { border:0!important; } .u31d8d63c148155ff4e2577df6df28442 .clearfix:after { content: ""; display: table; clear: both; } .u31d8d63c148155ff4e2577df6df28442 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u31d8d63c148155ff4e2577df6df28442:active , .u31d8d63c148155ff4e2577df6df28442:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u31d8d63c148155ff4e2577df6df28442 .centered-text-area { width: 100%; position: relative ; } .u31d8d63c148155ff4e2577df6df28442 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u31d8d63c148155ff4e2577df6df28442 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u31d8d63c148155ff4e2577df6df28442 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u31d8d63c148155ff4e2577df6df28442:hover .ctaButton { background-color: #34495E!important; } .u31d8d63c148155ff4e2577df6df28442 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u31d8d63c148155ff4e2577df6df28442 .u31d8d63c148155ff4e2577df6df28442-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u31d8d63c148155ff4e2577df6df28442:after { content: ""; display: block; clear: both; } READ: Mickey says Christmas Essay The sacrifices were conducted on a huge cone-shaped alter built up from the ashes of previously sacrificed animals. The mound was so large, the Greeks would cut steps into the cone after discovering it could be hardened by adding water and drying.Another ingenious invention was a system to prevent early starts in the foot races. It consisted of a bar in front of the runners to ensure they all start at the same time. This most likely was viewed as a blessing by the competitors, as previous to this, they would be beaten by the judges with rods for an early jump. This system led to the extravagant mechanisms used for starting the chariot races in 680 BC. Other introductions to the games were boxing in 688 BC, the pancratium, a no-holds barred form of wrestling, in 648 BC, and eventually some events for boys between 632 and 616 BC.The Olympics of old were entirely a man on man competition. No records were kept to be broken but a few amazing legends of the games have survived the test of time. Aegeus, for instance, was said to have completed his competition and then to run home to Argos, over 60 miles away, in one day. Milo, one of the most feared Olympians of Ancient Greece, was said to have carried a full grown bull to the arena, butchered it, and ate the entire animal in one day. Not surprisingly, he was said to have one many a wrestling match by the forfeiture of his opponent. He also walked away with six consecutive Olympic crowns.These legends, for all their blood, sweat, and tears, were awarded an olive branch from the tree behind the alter of Zeus when they won. Fortunately, the regions they represented were usually somewhat more grateful for bringing honor home. It was not uncommon for the victors to receive free food for life, money, or other valuable offers. They were often worshipped as gods and sometimes their sweat was preserved and sold as a magical potion.In the later years of the games, an additional event was added which signaled the end of the games and the return to the war ridden life of ancient history. Soldiers, adorned with a full body of armor weighing upwards of 50 pounds, would compete in a foot race. Unfortunately, even the apparent athletic ability of these soldiers could not prevent the fall of Greece to Rome in the middle of the second century BC. Under Roman rule, the Olympics began to lose its fervor until it was abolished in 393 AD by the Christian Roman emperor Theodosius I who most likely objected to the pagan rites associated with the Olympics.Some historians believe that even after the official abolishment of the Olympics, it may have survived for an additional 120 years. Its subsequent revival in 1896 was brought about by the discovery of the ancient stadium. Since that time, it has been held every four years, in accordance with tradition, being interrupted only for the two world wars. The competition of the nations in these events represents the age old competitive spirit of man. The need for people to take pride in something larger than themselves and feel as if they are part of a greater good. The Olympics, today as well as 3,000 years ago, offers a non-combative environment to do so.