Colonial America Essay Example | Topics and Well Written Essays - 500 words

Colonial America - Essay Example Each of these city-states or polis had its own customs, laws and way of life (Hornblower et al, 2004). Initially these city-states were ruled by a few wealthy men but gradually the administrative system became democratic. Athens was the largest city-state in Ancient Greece and its society was divided into the upper, middle and lower classes. However despite these differences ancient Greeks were bound by a common heritage and common language just like American people speak a common language. Greek citizens were trained in the arts, music, and they played games represented by the Olympics. There was a system of assemblies in which upper class citizens discussed issues of government and suggested changes, very much like the modern parliament. Ancient Rome was however ruled by an emperor and the Roman government balanced out political power between three different branches comprising of the Executive branch, the Legislative branch and the Judicial branch. The consuls who supervised the S enate and the army controlled the executive branch along with the mayors and tax collectors (Hornblower et al, 2004). Only adults were allowed to vote or elect rulers. The legislative branch consisted of 300 senate members who owned land and were elected by the consuls. The concept of senate members is still a part of the administrative system in America.

Quinte Magnetic resonance imaging Essay Example for Free

Quinte Magnetic resonance imaging Essay Brenton-Cooper Medical Centre (BCMC) has outsourced its MRI operations to Quinte MRI, a seasoned and highly recognized MRI service provider. Unfortunately, after six weeks of operations Quinte MRI’s leased MRI machine is not meeting its expected outputs as projected and is causing concern to both Quinte MRI and BCMC which has begun to lose revenue via referrals away from its clinic. Further, BCMC’s reputation is now at risk which could result in additional loses to the centre. The root cause of the problem appears to lie with the scheduling of the scanning operations. Dr. Syed Haider, the owner of Quinte MRI, has tasked his business development coordinators with finding a solution to this problem and to report back within 2-days. Acting as David Wright and Kevin Saskiw, the business development coordinators, my solution to these issues are to regain control of the scheduling process as this is an integral part of the operations. Streamline the scheduling process to reduce variability and improve reliability. Introduce the use of technology to remove manual processes, improve process efficiencies, minimise errors and improve communication across the business lines of operation. I would also hire a new employee to support the scanning operations as there is no backup or adequately trained support for the only Technologist running the operations. Issues Identification Brenton-Cooper Medical Centre (BCMC) has outsourced its MRI operations to Quinte MRI, a seasoned and highly recognized MRI service provider. Unfortunately, after six weeks of operations Quinte MRI has not lived up to expectations and is not fulfilling its contractual obligations. Quinte MRI’s leased MRI machine is not meeting its expected outputs as projected and is causing concern to both Quinte MRI and BCMC which has begun to lose revenue via referrals away from its clinic. Further, BCMC’s reputation is now at risk which could result in additional loses to the centre. Quinte MRI is well aware of this as it stands to lose in both areas as well. If the firm cannot meets its contractual obligations and have its leased machine produce its expected output the loss of revenue would surely spell business failure and a subsequent loss of reputation. As well, the firm would probably be sued for breach of contract. On another level Quinte MRI has also identified potential issues with a stressed out, overworked employee whom is critical to the success of their business. Potentially, this employee could actually be one of the reasons of the problem that the firm is experiencing. He has identified issues surrounding the scheduling of patients for scanning and has indicated that the process needs to be fixed as it is not working. He further went on to indicate that the expectations from the radiologist for speedy delivery cannot be met due to the time it takes for him to process the patients’ MRI films. Environmental and Root Cause Analysis In my opinion there are several operational issues causing problems in the MRI scanning process. First, I believe that there is a problem with the scheduling of patients in that it lacks accuracy, consistency and clarity. Since this operation is being handled by BCMC, Quinte MRI is finding itself at a disadvantage in terms of being able to control this part of the operation. The operation appears to be purely manual, handled by several persons and is prone to input and interpretive errors. Since patients can be sent for scanning via two means (scheduled and same day(unscheduled)) some amount of variability will result. It is therefore imperative that the scheduling function be properly controlled and managed to reduce variability to minimum possible levels. Variability and uncertainty in the scheduling operation is negatively impacting capacity utilization resulting in an overall reduction of efficiency in the scanning process. Quinte MRI must balance the flow and increase capacity for greater efficiencies and to remain competitive. The bottleneck of the scanning process is the MRI machine and the time it takes to do each scan. Each scan may have different times associated with it depending on the type to be performed, limiting the capacity of the overall process. Each step in the scanning process is dependent upon the previous one therefore improvements need to start at the beginning. The objective here is to improve the process flow up to the point that the actual scan will take place. I also believe that patients are not being properly screened prior to arrival which is causing Quinte MRI losses in revenue and time. If a patient turns up and has to be turned away, or rescheduled for misdiagnosis there is a resulting disruption in the flow of patients which will impact the schedule and process and ultimately the pocket and reputation of the company. Further, it appears that the technologist is engaged in performing pre-screening services and this is a highly paid employee who should not be pre-screening patients. This tasked could best be left to a lower paid trained staff. From an operational perspective it appears that the initial implementation process of the new machine had a learning curve. This resulted in longer lead times for processing patients during the first few weeks until Jeff had found a rhythm. It appears that Jeff was either not properly trained or did not have sufficient experience in the use of that model machine. Communication, and barriers to, seems to be a fundamental problem in the whole scanning process. People and processes are not talking to each other in an efficient and effective manner. The patients are unsure of the process and what is expected of them resulting in missed dates, tardiness, improper attire, rescheduling, lost revenue, lack of confidence, etc. Responsibilities appear not to be clearly defined, or assigned, leading to inefficiencies in the process. As well, expectations of persons are not clearly defined and communicated ahead of time leading to missed schedules, frustrations and delays. Alternative and Options In my opinion Quinte MRI could request the transfer of the responsibilities of the scheduling process over to their firm. This could benefit the firm in that they would now have ultimate control of the scheduling process from start to finish. As it is the firm has to rely on BCMC to manage this function and this is causing many issues. I believe that an MR Technician could be hired to perform the scheduling tasks and also provide support to Jeff Sinclair. Quinte MRI is already paying for these services but not receiving value. Revenue loss from turn-aways alone (1.2 p/day) could adequately cover the costs of hiring someone to provide these services. Additional benefit would be backup support for Jeff during vacation or other away days. Training would be provided on the job to support Jeff and add additional new skills to the technician. Screening could be done well ahead of time before the patient arrives because someone with the knowledge and expertise is handling this. Quinte MRI could invest some capital in technology to support the scheduling and communication functions. The technology would be able to support scheduling combinations for more efficient processing of patients in the scanning process. Many persons (from BCMC and Quinte MRI) could have visibility into the system with relevant authority to administer or make changes. This technology would be able to eliminate some amount of confusion and errors based on interpretation as is currently happening. Savings from a smooth flowing process with no disruptions would easily cover upfront costs as well as any operating costs.

Making Dreams Come True Essay Example for Free

Making Dreams Come True Essay As a child, did you ever wish upon a star? Did you ever dream of being a prince or princess in a magnificent castle? Or dream of being able to fly high above the tallest buildings? I know I did, I had many dreams. Many children dream of magical places they want to go, people they want to be, and things they want to feel. The Walt Disney Company has strived to make these dreams of children a reality. Whether it is getting to meet a princess, or getting a new pair of shoes, The Walt Disney Company wants to make every child feel special. The founders, Walt and Roy Disney, originally strived to create animations of fantasy worlds filled with scenes that would make anyone feel warmth. They continued their works by creating physical worlds of excitement; ones that children and their parents could enjoy together. Past and present, Disney also has helped out the community in numerous ways. Today The Walt Disney Company is still making dreams come true. On December 5, 1901, the creator and backbone of Disney, for many years, was born. Walter Elias Disney was most famous for his contribution to the entertainment world in the twentieth century. He went on to become very well known for his motion pictures. Walt Disney created many short films and full length animations; he also was the mind behind the world famous Disney theme parks. Throughout his career, he won 26 Oscars, 37 other awards, and 41 nominations. Walt still holds the record for the most awards ever (Walt). Although Walt Disney is most famously associated with Disney, he was not the only one in on the business. Roy Oliver Disney was Walter Disney’s older brother. Roy was born on June 24, 1893 in Chicago, Illinois. He co-founded Disney along with his brother and served as the chief executive officer of Disney for most of his life. He contributed to all the work that was done with Disney up until his death in 1971. Unlike Walt, Roy was alive to see the opening of Walt Disney World three months before he passed away (Roy). The Walt Disney Company started in a small Los Angeles office in 1923 by the Disney brothers. Their first real production was The Alice Comedies. The Alice Comedies grew popularity quick, and The Disney Company began to flourish. Five years later, the most famous Mickey Mouse was born; Goofy, Pluto, Donald Duck and other Disney characters soon followed. Then in 1937 Disney’s first animated movie was produced; Snow White and the Seven Dwarves was pure success worldwide. Over the next few years, Disney decided to expand his ever-growing company, so he moved to Burbank to build a new studio. There, during the 1940s and 1950s, he along with his team created some of the classic Disney animations including Bambi, Fantasia, Cinderella, Alice in Wonderland and Peter Pan (History). Mickey Mouse has a long history; he celebrated his 80th birthday in 2008. Oswald the lucky rabbit was the original character. He starred in a black and white short film cartoon, where he had long black ears, a round pudgy belly, big goofy feet, and a huge but thin smile. He wore high white shorts, with white shoes and white gloves. Walters’s idea of Oswald came after The Alice Comedies series, but was influenced by them. The design came from Alice’s husband Charles Mintz. Walt later decided he wanted to give Oswald a makeover, so he decided to turn him into a mouse. At first he named this mouse Mortimer, but the name did not last. To this day, no one really knows the reason the mouse’s name was changed, but the most popular story is that Walter’s wife did not really care for the name. I am sure Disney was happy that he changed the name, seeing what success would come from the new revised character. After much debate, the character was created and named Mickey Mouse (Suddath). Mickey’s first couple appearances were not a success. All doubts were put to rest when Steamboat Willie hit the big screen, starring Mickey Mouse. The film was the first animation with synchronized sound effects and music. Mickey Mouse’s career had begun, and it was just the beginning. A little over ten years later, animator Fred Moore had an idea to make over Mickey once again; this was another brilliant idea in my eyes. Mickey was originally designed out of circles, therefore limiting his movements. The new Mickey was hoped to move more freely across the screen. Moore also proposed the idea of making a cuter Mickey. As a result, he gave him a pear-shaped body, eyes with pupils and a cute shortened noise. The new Mickey first appeared in one of the earliest and well-known classics, Fantasia; and for the first time, he appeared in color. Mickey continued to appear in short films throughout the years (Suddath). Today Mickey is not as popular in animated films, but I would not hesitate to say he is still alive in the Disney atmosphere. Mickey and Minnie are still recognized worldwide today. After the initial years of getting the Disney Company started, a lot of progress happened very quickly. In 1937 Disney made history by making the first full length animated motion picture; it was titled Snow White and the Seven Dwarves. The famous film was written based on the tale Snow White by Brothers Grimm (Snow). To follow were many Disney classics that children still enjoy watching today. Some of my favorites include Cinderella, Sleeping Beauty, Peter Pan, The Lion King, The Little Mermaid and The Beauty and the Beast. Disney has created 96 animations and is still created them today. Of those 96 movies, 45 of them are considered classics (The Walt Disney Company). Many of these Disney characters are the focus of two main theme parks that Disney created for everyone to enjoy first hand. To many children and even adults, the Disney parks are magical places. Nothing says it better than their slogan, â€Å"Where all dreams come true. † This is exactly what Walt Disney wanted; he wanted to create a place of magic for both children and their parents. Disneyland is located in Anaheim, California and Disneyworld is located in Orlando, Florida; they are the two amusement parks in the United States. There are also four other parks around the world, along with a Disney cruise line (Walt Disney). Disneyland was the first of the two to be created; it was the only park that Walt Disney himself actually got to witness being built and finished. Construction of the park was started on July 17, 1954, and was opened exactly one year later. Disneyland was a hit from the beginning, opening day was said to be a disaster because it was so overcrowded. The original park cost a massive 17 million dollars to complete. In the 1990s The Disney Company decided to expand the park. It was transformed into a park along with a resort. Along with the Disney Resort, Disneys California Adventure Park, Downtown Disney, and Disney’s Paradise Pier Hotel were created. Inside of Disneyland, there are a handful of mini lands, or at least this is how I see them. I would describe these as brief, but nonetheless powerful and exciting places that are seen around the world or in Disney productions, all composed inside one theme park. One that I particularly remember is the Haunted Mansion which is found in the New Orleans section of the park. The Haunted Mansion was constructed to look like an old southern plantation; inside it, it was created into a haunted adventure. These marvelous attractions draw many guests from around the world every year. As of 2007, Disneyland had been visited by over 14,800,000 people (Disneyland). In 1959 Walt Disney thought about creating another theme park. His main concern was the location because most of the people who came to Disneyland were from the west; which was a downfall because at the time most people lived in the east. Therefore, he wanted to open the Disney experience up to the whole nation by creating a new park closer to those on the east coast. The process of just getting approved for a large piece of land took many years. He had been denied numerous times. Finally, Orlando, Florida was chosen as a site for the new park. Sadly, Walt died in 1966, five years before the park was ever opened. Along with Walt Disney World, Epcot was created in 1982. Epcot is known today as the community of tomorrow. Like Disneyland, Walt Disney World also contains a resort and other parks within. Walt Disney World has not only become the most popular Disney Park, but the most popular entertainment attraction in the United States. On average, 40 million people visit each year. (Walt Disney World). Disney does not only vision to give children an experience of a lifetime through movies and theme parks, but through more heartfelt ways such as giving to charities. In 2008, Disney donated 209 million dollars to charities around the world, hoping to make wishes come true among families. They also have a program for volunteers called VoluntEARS. The company has been serving the community for over 26 years. In those years, the members have helped in 42 countries and contributed 5,000,000 hours of volunteer work. Most recently, in honor of Disney’s 55th anniversary, they are running a deal to promote community service. Disney is offering a free ticket to their park if anyone donates a day to a participating Disney organization (The Walt Disney Company – Corporate). Disney has a long history and it is still striving to create magic every day. Children still enjoy watching the same Disney classics that children watched over 50 years ago. Although Disney’s first few movies are still popular today, new animations are still being made, and are still becoming great hits. Disneyland and Walt Disney World are still magical places that will surely bring a smile to a child’s face. But most importantly, Disney is continuing to fulfill dreams through their community service; these dream come trues are truly magical.

IT Impact on Organizational Performance in Banking

IT Impact on Organizational Performance in Banking Information technology and permeated almost every aspect of business operations and communications technologies. So it is a one of the most exciting research has been focusing on the wide interest in all parts of the world through the decades, but little was devoted to study the impact of information technology to banks in Bahrain. This study examines the impact of information technology on organizational performance in the banking sector during the period from 2005 to 2009. The dependent variable used is return on equity ( ROE) while the independent variables are Hard ware, Soft Ware, System Development Operations, I .T Maintenance, I.T Training , I .T Insurance , I.T Communication, I .T Implementation, I .T Consultancy , I .T Sites and Business Continuity Planning (BCP). Preliminary data collected through in-depth interviews, official documents and surveys of the field through the top 8 banks in Bahrain, this data has been tested by applying different statistical methods and finance. The research results led to the conclusion that information technology has a positive impact on organizational performance in the banking sector. CHAPTER ONE INTRODUCTION As an emerged business trend, the use of information technology (I.T) in the economic organizations are immense and measureless. Systems of organization and functions are now considered effortless and unproblematic because of I.T. information technology passes to be the most important one for each financial institution and the banks, particularly, they are one of the greater investors in I. T, Ahli united bank one of these banks that costs them around $ 13 millions. It is an enormous cost of this technology for local and international market. The existing studies generally have concluded two positive effects concerning the relationship between IT and the financial performance of banks. â€Å"First, it can reduce operational costs of banks (the cost advantage). For example, the Internet helps banks to conduct standardized, low value transactions (e.g. send the bill payments, balance inquiries, account transfers) through the online channel, while focusing its resources on specialized, high value added transactions (eg small business loans, personal trust services, investment banking) through branches. Second, can facilitate transactions between customers within the same network(the network effect). As an example, let us consider the case of automated teller machines (ATMs) by banks. If ATMs are geographically dispersed areas available largely over, the advantage of using an atmosphere will increase as customers can access their accounts from any geographic location they want. This would imply that the value of the ATM network increases with number of locations available in the atmosphere, and the value of the network of the a bank to a customer is determined in part by the final size of the network effect banks network is important in the adoption of the atmosphere. IT has drawn the attention of many researchers, commissioned to study the impact of IT in the functioning of the bank and that is a goal of many organizations. Some researchers have found positive relationships between IT investment and organizational performance and some of it found it negative. Problem Statement IT investments and its impact on the banking industry is a very important point for both banking managers and IT managers to be able to deal with and justify wither increased spending for investment in IT will lead to increase performance of Bank or not. That will put increasing pressure on managers to asses its business value. In this study we will examine the key components of IT investments (Hard ware, Soft Ware, System Development Operations, I .T Maintenance, I.T Training , I .T Insurance , I.T Communication, I .T Implementation, I .T Consultancy , I .T Sites and Business Continuity Planning (BCP) to see if spending in different IT areas as an impacts on bank performances. Significance and Importance The importance of this project lies in its ability to shed a light on the Impact of Information Technology on The Financial Performance of Bank sector in kingdom of Bahrain. Furthermore, this study would encourage other Banks in the area to benefit from Bahraini Banks experience and therefore follow their lead. Purposes The goal of this study is to: To determine which type of information system leads to high financial performance of the banks. Evaluate in what specific ways and to what extent do information systems could eventually lead to high financial performance. To find out what issues emerges when implementing IT at the bank. Research Hypothesis The main Hypotheses There is no significant relationship between investing in I.T and the financial performance of Banks of Bahrain. H01: There is no significant relationship between investing in HW and the financial performance of Banks of Bahrain. H02: There is no significant relationship between investing in SW and the financial performance of Banks of Bahrain. H03: There is no significant relationship between investing in SDO and the financial performance of Banks of Bahrain. H04: There is no significant relationship between investing in Main and the financial performance of Banks of Bahrain. H05: There is no significant relationship between investing in Trn and the financial performance of Banks of Bahrain. H06: There is no significant relationship between investing in Insu and the financial performance of Banks of Bahrain. H07: There is no significant relationship between investing in Comm and the financial performance of Banks of Bahrain. H08: There is no significant relationship between investing in Imp and the financial performance of Banks of Bahrain. H09: There is no significant relationship between investing in Con and the financial performance of Banks of Bahrain. H010: There is no significant relationship between investing in Sit and the financial performance of Banks of Bahrain. H011: There is no significant relationship between investing in BCP and the financial performance of Banks of Bahrain. Key Words Information technology (I.T): any technology that helps to produce, manipulate process, store, communicate, and/or disseminate information. Information system (IS): is any combination of information technology and peoples activities using that technology to support operations, management, and decision-making. I.T Investment : Banks of Bahrain: Its a financial institution located in Bahrain that deals in money and its substitutes and provides other financial services. ATM: automated teller machine, which allows customers to complete basic transactions without the aid of a branch representative or teller. Financial Performance: is the overall profitability of the insurance firm. Study Outline The paper proceeds as follows: Chapter 2 focuses on the literature review where the work of other researchers and some previous theoretical and empirical studies are mentioned. Chapter 3 is about the methodology used in this study. Chapter 4 discusses the empirical results and findings of the research. Finally, conclusions and recommendations are made in chapter 5. CHAPTER TWO BACKGROUND CHAPTER TWO BACKGROUND Introduction This chapter will specify some aspects of Bahrains economy and what attracts foreign and local investors to invest their capital in this country; along with some important features and statistical data regarding the banking industry, we will try to know why It is necessary for the management of the organizations to measure and to evaluate the organization performance. Finally, the literature review will discuss a number of some previous studies related to this topic. An Overview of Bahrains Economy The economy of Bahrain is mainly defined by oil production and refining and production, ship repair, iron pelletization, fertilizers, offshore banking, insurance. The country is trying hard to privatize its economy so that it can reduce the dependence on oil production and that prompted the government to develop other industries as well. For example, in 1970, the government established Aluminum Bahrain (ALBA), an aluminum smelting industry which still remains an important industry. In a further effort at diversification, the government has also promoted tourism. The government controls the oil and gas, most heavy industry, and the bulk transport and communications, but has made efforts to privatize the economy, bank transfer, light manufacturing, and trade in private hands. Listen Read phonetically Dictionary View detailed dictionary Translate any website El Confidencial-Spain Tom.com-China News.de-Germany Nord-Cinema-France Zamalek Fans-Arabic Gotujmy.pl-Polish Vogue-France Arte Toreo-Spain LExpress-France Onet.pl-Polish Pà ºblico.es-Spain Zeit Online-Germany Bahrains economy is strong and always improving their sectors to look for a bright future. It was called the fastest growing financial center in the Arab world by the United Nations Economic and Social Commission for Western Asia in January 2006 by the City of London global financial centers index in 2008. In 2004 it signed a free trade an agreement with United States will reduce the trading Which Barriers between the two countries. Bahrain Was the first Arabian Gulf state to sign such a trading mutual agreement with the United States. http://www.mapsofworld.com/country-profile/bahrain1.html https://www.cia.gov Banking Sector in Bahrain Bahrain is the home of more than 400 the authorized financial institutions, what represents a rich mix of international, regional and local names. They cover all the range of financial products, with private concentrations in sure, wholesale banking and funds / asset management. The financial sector is now the major sector of the economy represents more than the 27% of the GDP. The financial sector is also the major employer in Bahrain for more than the 80% of the labor. The sector is regulated and supervised by the Central Bank of Bahrain (CBB) (www.cbb.gov.bh), which since 2002 has functioned as a regulator of the entire financial system. Bahrains banking system consists of both conventional and Islamic banks and is the main component of the financial system, which represent over 85% of total financial assets. The conventional segment includes 19 retail banks, 69 wholesale banks, 2 specialized banks and 36 representative offices of foreign banks. The Islamic segment, offering a series of Sharia Conformity of their products and services include 6 retail and 18 wholesale banks, and the numbers are increasing steadily. The banking sector has played a central role in the development of Bahrain as major financial center in the region. As in December 2006, banking sector assets amounted to over U.S. $ 180 billion, more than twelve times annual gross domestic product. The recent increase in the sector has been supported willingly fortune of the industry of the petroleum and the corresponding increases of liquidity. The banks are playing thus a central role in surplus to reinvest the petroleum incomes as well as complying the opportunities of financing in other segments of the economy. http://www.bahrain1.com/banking.html Performance Measures The performance as declared by Wheelen and hunger (2000) is the final result of an activity and a performance organizacional accumulates turned out final of all the organization process and activities. It is necessary for the management of the organizations to measure and to evaluate the organization performance to utilize organizations resources in better form and to win good organization honorableness. Managers measure and to control organization performance, since conducts to a better management of assets, to a greater capacity to provide value of the client, for improve the measures of organization Knowledge and measure of performance organizacional have an impact on an organization reputation. Literature review Many studies had been done in order provide a clear picture of the financial performance of banks. Gupta, Uma and Collins (1997) investigate the impact of information systems on the efficiency of banks. They were centered in determining the relation among the investments in I.T and bank efficiency; they identified an efficiency measures assembly commonly utilized by the banks and they asked to their respondents to specify if these measures were utilized to evaluate the performance of I.T an investment. They found that the companies ensure that the investments in technology are deliberately and in a significant way aligned with achieving the strategic, tactical one, and the operational goals of the business is probable that to see a narrower link among I.T investments and improvements of productivity of the organization. Thus I.T performs an important and valuable role in helping to reach objectives organizational, to enlarge the productivity to improve service to the client, and to utilize fully existing system. Lunardi, Becker and Macada (2003), they evaluated the strategic impact of IT in Brazilian, American, Argentinean, Uruguayan and Chilean banks as perceived by their executives. In order to externally validate the questionnaire, results were analyzed considering, as isolated samples, (a) Brazil, (b) the United States, (c) Argentina, Uruguay and Chile, and, then, (d) as one group merging all data. The results indicate that (1) Competition, Products and Services, and Borrowers (customers) are the main strategic variables affected by IT; (2) there are no differences between executives of IT and other functional executives regarding their perception of the impacts of IT in strategic variables; and (3) the impact of IT in Competitiveness is significantly related with the impact of IT in Borrowers, Government and Country Requirements, Products and Services, and Cost Structure and Capacity. This study supported banking executives to plan IT strategies, their implementation and to evaluate their use. Another research had been done by Elena Becalli. (2005) Who investigated whether investment in Information Technology (IT) hardware, software and other IT services influences the performance of banks by Using a sample of 737 European banks over the period 1993-2000 . The study found that the impact of different types of IT investment (hardware, software and services) on banks performance is heterogeneous. Investment in IT services from external providers (consulting services, implementation Services, training and education, support services) appears to have a positive influence on accounting profits and profit efficiency, while the acquisition of hardware and software seems to reduce banks performance. Shaukat and Zafarullah. (2009) made a study examined the impact of IT on organizational performance in quantitative terms of Pakistans manufacturing and banking sectors over period of 1994-2005 and come with the following result. I.T changed the character of so much work for the industries and enlarges its performance. This positive impact has shown in indicators of qualitative performance. Significant improvements with regard to the different qualitative variables as customer satisfaction, client/suppliers links, image of the business, employees interest work, shareholders, confidence and among office links/communication they have been observed in both the sectors and banking in Particular . Akram and Allam. (2010), explored the impression on improving the performance of two forms of matrix. The first is matrix of financial performance which comprises Market Value-Added (MVA), Return on Investment (ROI) and Earning per Share (EPR) and the second is matrix of operational performance, which includes the Net Profit Margin (NPM), Operating Return on Assets (ORA) and the profit value of the employee (PE). Utilizing IT by Jordanian banks which measured by testing the level of investment in Hardware, Software, Internet Banking, Phone banking, number of ATMs, use of Cyber branches and Banking via SMS. The results of measurements indicated that there was an impact on the use of MIS in Jordanian banks in the market value added (MVA), Earnings Per Share (EPS), Return on Assets (ROA), Net Profit Margin (NMP). Keramati, Azadeh and Mehran (2009), discussed and tested empirical to moderate environmental effects of dynamism and branch strategy on the impact of the investment and other efficient variables (number of employees and fixed assets) in the branches. The study sample was comprised of 102 branch offices of the bank Parsian and the empirical results, on the base of a model moderate of decline. Concretely, IT investment seems to have a greater positive impact on performance of the banks when there are greater environmental changes and more proactiva strategy branch. According to their conclusions, the banks considering that the investment should evaluate their performance environmental contexts and the strategic orientation. Another investigation has been carried out for Mallick and Shirley (2006). They examined the effects of the information technology (IT) in the banking industry of United States. They found that IT can improve banks performance in two ways: IT can reduce operational cost (cost effect), and facilitate transactions among customers the clients inside the same network (effect network). They characterized the conditions to identify these two effects and the conditions for the two seemingly positive effects to turn negative in the equilibrium. The results were tested on a panel of 68 US banks over 20 years, and they found that the bank profits decline due to adoption and diffusion of IT investment, reflecting negative network effects in banking Industry. In this study I will use the same factors used by Akram and Allam (2010) to explain the Impact of Information Technology on The Financial Performance of Bank sector in kingdom of Bahrain. CHAPTER THREE METHODOLOGY Introduction In this part of the study, we build the methodology of the study that is characterized in terms of tools and method of measurement and tests for the problem of the study, taking advantage of methods and tools of previous studies, in order to guarantee the access to the methodology to obtain the information more I need and better results. The key variables will be measured in an intent of practice to identify dependent and independent variables and to explain how the independent variable affects the dependent variable. Finally, It will also provide a study model and some specifications of the model used to conduct the research. Population and Sampling Data Collection The data was collected through in-depth interviews with the senior managers of finance , and some mangers from I.T Department of Banks in sample and from official documents plus We used several academic journals and articles which have been downloaded online from various websites to collect data for this study. Updating numerical data about the Banking sector and Banks have been collected from the annual reports of each Banks which are submitted on their official websites. Population The research population is all locally Banks in Bahrain Ahli United Bank National Bank of Bahrain Bahrain Islamic Bank (BisB) Bank of Bahrain and Kuwait B.S.C . Bank Muscat International (BMI) Standard Chartered Kuwait Finance House Bahrain Citibank Bahrain HSBC Bank Middle East Limited Arab Bank Table 3.1 : Population Source: The Researcher Sample Ahli United Bank (AUB) Bank Muscat International (BMI) were selected as research sample to represent this sector. However these Banks were selected because I found that it was easy for me to collect any information needed for this research from these tow Banks since I am working in Ahli united Bank and I Know Manger of IT in Bank Muscat International (BMI) . Ahli United Bank . Bank Muscat International (BMI) Table 3.2 : Sample Source: The Researcher The first bank is Ahli United Bank, Bahrain (AUB): Ahli United Bank BSC (AUB) formed after the 2001 merger of Al-Ahli Commercial Bank and Commercial Bank of Bahrain, It is a full fledged commercial and investment banking group providing Services of 1. Wealth management 2. Retail, corporate 3. Treasury 4. offshore 5. Islamic banking 6. Real estate fund management 7. Structured finance and private banking services. The Groups businesses consist of the operations in Bahrain, a wholly owned subsidiary in the UK and associates in Kuwait, Qatar, Oman, Egypt, Iraq and Libya. Source: http://www.cbb.gov.bh/page.php?p=banking The second bank is Bank Muscat International (BMI) : BMI Bank (previously known as Bank Muscat International), an associate of Bank Muscat the largest financial services provider in Oman today, is a Retail Bank, registered in Bahrain and regulated by the Central Bank of Bahrain offering a full range of retail and commercial banking services. BMI Bank operates in Bahrain through a network of 8 branches and 26 ATMs with net banking for easy access to services. Source: http://www.bmi.com.bh/AnnualReport/images Period covered in this research This research covers the period from 2005 to 2009. Analysis Plan Use Regression method to specify the relationship between the independent variables (HW, SW, SDO, MAIN, TRN, Insu, Comm, Imp, Cons, Sit, BCP) and the dependent variable which is the (ROE). Research Model Model Specification This economic model is used to examine the relationship between Independent Variables and Banks performance. Defining Study Variables The independent variables Hard ware: Which includes spending on data storage devices, terminals, memory, peripherals, workstations, personal computers and data communications devices, So It is the net investment bank in the computer hardware and equipment in the period. (Akram Allam 2010) Soft Ware: which includes spending on packaged software, application Solutions software, application tools, and systems infrastructure software? It is the net investment bank in the software during the period. (Akram Allam 2010) System Development Operations: Which includes spending on Specific activities related to system development and other expenses for operations management during the period like the network, processing services, backup and archiving. ( Elena Becalli. 2005) I .T Maintenance :On going operational support of either hardware or software IT assets of an organization. This can be both preventative as well as reactive support. I.T Training: Includes education used to enhance general knowledge and expand the abilities to use IT during the period. (Elena Becalli 2005) I .T Insurance: The insurer provides protection of IT assets against fire, theft, flood and accidental damage and protects the firms investment from claims arising out of professional negligence or system failure . I.T Communication: Providing effective ways for inter application, inter entity communication. Effective IT communication provides the backbone for the working of any next generation application due to centralized and cloud based roadmap towards Information Technology. I .T Implementation: Which includes spending on a new or changed application systems are needed in order to support the processes, these must first be procured or developed and implemented. I .T Consultancy: Includes all what they spend to provide product-specific consulting during the period. It is one of the independent variables. (Elena Becalli. 2005) I .T Sites: Physical controlled infrastructure support for IT related hardware / data centers. This can be segregated between production and disasters recover sites Business Continuity Planning (BCP): It is the cost of Planning that identifies to the organization, exposition to external and internal threats and synthesizes soft and hard assets to provide an efficient prevention and the recovery of the organization, during the period. It is one of the independent variables. The independent variables ROE: Return on equity  measures a corporations profitability  by revealing how much  profit a company generates  with the money shareholders have invested. So it is the amount of the net incomes returned like a percentage of the capital stock.   Each banks ROE has been obtained for its annual reports and calculated as: Return on Equity = Net Income/Shareholders Equity CHAPTER FOUR ANALYSIS TESTING HYPOTHESIS Introduction This Section includes tow main topics, the first is about descriptive Analysis of the study variables through various descriptive statistical measures, such as: Central tendency measures, Dispersion measures, Mean, Median, Range and Standard Deviation; to describe the study variables. The Second topic represents testing the study hypotheses, and computing the regression model information. First topic, Descriptive Analysis Descriptive Analysis The descriptive analysis table in the appendix shows the following: From Table 4.1, which illustrates the use of Bahrain banks for I.T, we notes that average cost of H W in Bahrain banks reached the highest average in year 2009 (3,332,204) and this year was the lowest in the standard deviation (323,436), as well as the year that contains the largest cost for investment (3,103,500), which refers to the rise in investment H W by Bahrain banks. The second independent factor is the S W, its mean (medium) started with (1,085,277) and we notice that they are on the increase from year to year until it reaches in 2009 to (3,117,740) While the standard deviation of S W started with 940,060 then decrease to (865,657) and increase later in 2007 and again decreased to (805,459) in 2008 and lowest amount (236,654) in 2009. The minimum S W during the research period was (420,554) while the maximum was (2,950,400). We marked that the third factor which is the S D O had a mean started with ( 627,493 ) and ended with( 525,001 ) and noted that investment in S D O reached the highest value in the years 2005 ( ,000,000) and 2007 ( 720,000 ) while the lowest value was in the year 2008 ( 245,907 ) and the standard deviation started high in first year 2005 ( 526,804 ) and decreased to the lowest in the last year 2009 ( 35,281) . The M A I N mean (medium) started with (930,182) in 2005 and ended with (1,519,138) in 2009. While the standard deviation started with (805,844) and ended with (957,440). The minimum M A I N during the research period was (360,365) and the largest amount was (2,196,150). The fifth factor which is the T R N had a mean (medium) of (133,498), (142,611), (180,363), (147,626) and (94,051) the standard deviation started with 94,048 and ended with (36,697), the minimum T R N during the research period was (66,996) while the maximum was (280,000). The I N S U mean (medium) started with 48,220 in 2005 and ended with 99,966 in 2009 while the standard deviation started with 37,873 and ended with 13,918 the minimum I N S U during the research period was 21,440 while the largest was 109,808. From the previous table we note that the seventh variable COMM, the average cost in Bahrain banks started with 1,124,045 and continue increased upto (1,737,626). In 2009, the standard deviation started with 955,944 and ended with (1,148,871), the minimum rate during the period reached to the lowest of 448,091 and highest was 2,550,000 in 2009. The I M P mean (medium) started with (243,621) in 2005 and ended with (562,749) in 2009. The standard deviation started with (188,627) and ended with the (60,303); the minimum rate during the period was (110,241), while the maximum was (60,303). The ninth factor which is the C O N S had a mean (medium) of (63,192), (32,123), (38,552), (55,051) and (95,053) and the standard deviation started with (52,055) and ended with (35,281), the minimum C O N S during the research period was (14,245) while the maximum was (120,000). The S I T mean (medium) in the beginning 3 years were the same 65,307 years and in the last 2 years increased to (104,500) while the standard deviation started with 49,063 and ended with (21,920). The minimum S I T during the research period was 30,614 while the maximum reached to (89,000). The BCP mean (medium) in the beginning year started with (295,011) and ended in the last year with (430,744). While the standard deviation was beginning with (247,472) and decreased in the last year to (198,759). We note the minimum BCP during the research period was (120,022) and the maximum was (571,288). The dependent variable is the ROE which was marked by the year 2006 the highest revenue between the years of the sample, as it reaches the highest return of 19.230% while the standard deviation was started with 3.606% and decreased later to .495 % in 2009. The year 2009 marked the lowest return on equity, amounting to 9.600%. Regression Analysis I used Pooled Data Regression method because Ive tie series data (2005-2009) and cross-sectional data (2 Banks). I have mathematical model of the study is developed as follows: I used E views program to analyze the data, I also used pooled regression and multi-regression because we have more than one independent variable verses only one variable which is the R O E. The confidence interval is ( 95 %). Testing Hypothesis As stated in the first chapter, these are the null hypothesis for this research The main Hypotheses There is no significant relationship between investing in I.T and the financial performance of Banks of Bahrain. H01: There is no significant relationship between investing in HW and the financial performance of Banks of Bahrain. H02: There is no significant relationship between investing in SW and the financial performance of Banks of Bahrain. H03: There is no significant relationship between investing in SDO and the financial performance of Banks of Bahrain. H04: There is no significant relationship between investing in Main and the financial performance of Banks of Bahrain. H05: There is no significant relationship between investing in Trn and the financial performance of Banks of Bahrain. H06: There is no significant relationship between investing in Insu and the financial performance of Banks of Bahrain. H07: There is no significant relationship between investing in Comm and the financial performance of Banks of Bahrain. H08: There is no significant relationship between investing in Imp and the financial performance of Banks of Bahrain. H09: There is no significant relationship between investing in Con and the financial performance of Banks of Bahrain. H010: There is no significant relationship between investing in Sit and the financial performance of Banks of Bahrain. H011: There is no significant relationship between investing in BCP and the financial performance of Banks of Bahrain. The above hypothesi

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