What Did Hurricane Katrina Teach Us Essay - 556 Words

Hurricane Katrina was one of the deadliest and costliest hurricanes to hit the United States in decades. The economic losses were extraordinary; however, it was the human losses that stuck Americans at their core. The media brought into our homes graphic images of the destruction of New Orleans. Its mayor had ordered a mandatory evacuation of the city and yet 150,000 citizens are said to have stayed. Like most of the nation I asked myself, â€Å"Well why did they stay? If a mandatory evacuation is issued, it stands to reason that state officials considered the situation to be precarious.† It is only recently, when I’ve seen reports of New Orleans slow rebuilding, that I have really given thought to the undisclosed factors that lead to such†¦show more content†¦I have come to realize that it could very well have been me if my circumstances were similar. That said, I never faulted any individual shown on the media because they were â€Å"looting†; and yes, almost exclusively they were African Americans. Easy to judge when you’re sitting dry and warm in front of the TV with your chips and soda. The reality is that under those circumstances any person would seek comestibles and provisions anywhere possible. Our New Orleans neighbors were not looting they were scavenging. Dare we believe we would act differently? In regards to criticism of government response, the first responders in situation such as this are the local government. They were ill prepared for the magnitude of the damage to the levees, compounded by the large number of individuals unable to evacuate. The Superdome and the Convention Center were designated â€Å"refuges of last result† but it is unlikely that they were part of the city’s refuge network. These two structures were merely big enough to accommodate the amount of citizens that were stranded in the city; hence they were lacking the resources necessary to be effective refuges. Social stratification, inadequate evacuation measures, poor leadership among those coordinating relief efforts, ill conceived and equipped refuges, and delayed action in recruiting county, state and federal reliefShow MoreRelatedHurricane Katrin A World Country1302 Words   |  6 PagesAfter Katrina made landfall, Mississippi and Louisiana looked like a third world country. With over 50 levee failures and numerous levee breaches causing severe flooding in 80% of the city and 180,000 in structural damage the cities were faced with a death toll of 1,300 casualties (Hurricane Katrina Rebuilding). Half the cities were sitting under water, which made it hard for rescue missions, recovery and evacuation organizations to be able to begin the recovery phase. 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Number seven on that list stuck out to me, it says, â€Å"Raise the question of whether men and women are ‘essentially’ different because of biology, or are socially constructed as different†. That question made me think of Esch, isRead MoreHurricane Katrin New Orleans And Mississippi1876 Words   |  8 Pages The United states has had many hurricanes throughout history, though only a few have turned the world upside down and have had mass casualties in it. Although hurricane Katrina hit many areas two of the hardest areas that Katrina hit was New Orleans and Mississippi. On August 23,2005 people living in the Bahamas embraced for a tropical depression that would later turn into what was known as hurricane Katrina. The tropical storm started out with wind s speed as high as 38 miles per hour. Read MoreHurricane Katrin New Orleans And Mississippi1889 Words   |  8 Pages The United States has had many hurricanes throughout history, though only a few have turned the world upside down and have had mass casualties in it. Although hurricane Katrina hit many areas two of the hardest areas that Katrina hit was New Orleans and Mississippi. On August 23,2005 people living in the Bahamas embraced for a tropical depression that would later turn into what was known as hurricane Katrina. The tropical storm started out with wind s speed as high as 38 miles per hour. 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I am also extremely overwhelmed by the devastation and emptiness from the catastrophe. Individuals went weeks without being reunited with family members, shelter, and adequate amounts of food and water. Prior to viewing â€Å"When The Levees Broke†

ANOVA Results - Determining Factors That Influence Other Responses, th Assignment

Essays on ANOVA Results - Determining Factors That Influence Other Responses, the Correlation Coefficient Matrix and Analysis the Values Assignment The paper â€Å"ANOVA Results - Determining Factors That Influence Other Responses, the Correlation Coefficient Matrix and Analysis the Values" is an informative version of an assignment on statistics. Five variables are considered in this test, the â€Å"intent† variable which represents the buying intentions, has a value that ranges from 1 to 10, the value 1 represents extremely unlikely and 10 represents extremely likely. The variable, in this case, is therefore considered as the dependent variable.Fixed factors that are the categorical variables that have a different effect on the dependent variable include â€Å"nonstop† representing a number of stops, the variable â€Å"deep time† which represents the time of departure and the variable â€Å"food drink† which represents in fright food and drinks. The variable â€Å"fare raw† is considered as a covariate variable; this means that â€Å"fare raw† is assumed to have a linear correlation w ith the variable â€Å"intent†. Assumptions are that; the error terms are independent, they are normally distributed with a mean value of zero and their variance remains constant across observations.Descriptive statistics are summarised in appendix 1 and they indicate that there is a difference in mean values across the categories. Appendix 2 indicates the Levene’s test for error term variance equality, the significance value of this test is 0.594, this value is greater than 0.05 the null hypothesis that variances are equal is accepted, therefore the assumptions of this test are not violated.Appendix 3 indicates the ANOVA results, values indicated include the sum of squares and factors partial Eta squared, the table below summarises these results:Partial Eta Squared:The partial Eta value indicates the amount of variation that is accounted for by the variable, it indicates the importance and significance of the variable and from the above: â€Å"fare raw† is of g reat importance because the value is relatively high (0.7477) while â€Å"food drink† is of less importance in the model given that the value is only (0.05).Omega squared:The partial Eta value may be biased when a sample is used and an alternative is the Omega squared value,This value is determined as follows:W squared ={ sum of squares T – [ (k-1)*(MSerror)]}/{sum of squares total + MSerror}the table below summarises the values:SourceType III Sum of SquaresdfMean SquareOmega squarednum stops223.7250421223.7250420.011456765dep time115.0076353338.335878440.005789845food drink32.02051904310.673506350.001525285fare raw1568.470711568.47070.080560836The results indicate that the variable â€Å"foodbank† variable is less important while â€Å"nonstop† and â€Å"fare raw† are important factors in explaining variations in â€Å"intent†.Managerial implications: Implications of these results indicate that buying decisions will be greatly influenced by fares and the number of stops. Another factor that will influence this is the departure time. Food and drinks, however, will have little effect on buying decisions as indicated by the partial Eta squared and omega squared statistics.Multiple regression:Appendix 4 summarises the multiple regression model estimated, according to these results the model is as follows:ParameterBIntercept9.059[numstops=0]1.140[numstops=1]0(a)[deptime=1]-.448[deptime=2].637[deptime=3].377[deptime=4]0(a)[fooddrnk=1]-.460[fooddrnk=2].048[fooddrnk=3].060[fooddrnk=4]0(a)fareraw-.014The model is as follows:Intent = 9.059 + 1.140 numstop0 –0.448 deptime1 + 0.637 deptime2 + 0.377 deptime3 – 0.460 fooddrnk1 + 0.48 fooddrnk2 + 0.060 fooddrnk3 – 0.014 farerawEta squared:Parameter EstimatesDependent Variable: Buying intentionParameterBPartial Eta SquaredNoncent. ParameterObserved Power(a)Intercept9.059.85763.8841.000[numstops=0]1.140.29716.9401.000[numstops=1]0(b)...[deptime=1]-.448.0324.705.99 7[deptime=2].637.0626.6911.000[deptime=3].377.0233.960.977[deptime=4]0(b)...[fooddrnk=1]-.460.0334.826.998[fooddrnk=2].048.000.507.080[fooddrnk=3].060.001.627.096[fooddrnk=4]0(b)...fareraw-.014.74844.8531.000Question 2:Exploratory Factor Analysis: This analysis is aimed at determining the factors that influence the other responses, exploratory analysis involves determining the correlation coefficient matrix and analysis the values. Factors whose correlation coefficient is high either negative or positive are more likely to be influenced by one factor, those whose correlation coefficients are low are more likely to be influenced by different factors.

Case Study for Standard Software Testing- myassignmenthelp.com

Question: Discuss about theCase Study for Standard Software Testing. Answer: Annotated Bibliography Reference 1: Moore (2006) This particular article discusses on constructing a roadmap for the software engineering. The author argued on the challenges and gaps raised in software engineering. This paper provides with IEEE software and system standards. The author researched on the fundamental principles of the software engineering with a need to describe curriculum of the disciplines. Moore (2006) stressed that a corpus of the software engineering standards comprises a formalization of the best practices. It results into lack of integration as well as coherence. There is also some sort of overlapping. The evidence is evolution of the software engineering standards and tools. In order to mitigate the gaps, the standard organizations require better take hold of the basics of the discipline of the software engineering. Moore (2006) noted that disciplines of the software engineering established a connection between the engineering principles and also standards that limit the standards. This particular IEEE paper provides the vision of the future challenges in area of software engineering. In the other articles, from the literature review it is revealed that most of the author used the terms-principles, techniques, standards in inexact way. This current paper is better as compared to other articles as in other articles, there is nonexistence of accurate definition of the terms used and lack of information into software engineering standards is a basis of uncertainty for the researchers. Reference 2: Takahashi (2008) The author argued on that the coalition means to form of testing standards in favor of the anti-virus software. This paper figures out the varieties of malware that every of the software packages can capable to block. The author knew the features of the anti-virus software so as to discontinue the e-mail phishing, elimination of viruses, updation of the malware and protection of the passwords. This evidence is supported by creation of software standards to evaluate the anti-virus software. Takahashi (2008) proved the evidence is supported by conducting a crash test dummy into the car industry. In order to do testing, a computer is scanned to examine whether the anti-virus software will accept the bugs on the machine. Anti-virus software is used to examine the signature of recognized threats and mitigate them. The software does heuristic analysis and assessment to identify whether the program has innovative functions. The software can utilize of intrusion detection method to analyze t he network traffic (Takahashi, 2008). It stops the bad means of the firewall which divides the computer and also the group from the internet. When this article is compared to other, then it is seen that this particular article cannot provide recommendations on use of other testing tool which is better for eliminating the viruses. Key word driven testing (2014) In this article, the author argued on keyword driven testing which is a software testing methodology which is perfect to do manual as well as the automated testing. This methodology divides certification of the test cases. The test creation development has two stages- design as well as progress stage as well as implementation stage. The evidence provided for testing is some standards set to structure keywords as well as attributes. The author convinced with the evidence as software testing standards are provided ISO/ICE/IEE 29119 models for testing specifications. The keyword driven testing permits automation to start earlier into SDLC even before a stable build is being delivered for the purpose of testing (Key word driven testing, 2014). The idea behind the evidence of keyword drive approach is to divide coding from test case as well as test step. Therefore, the non-technical person can able to understand the automation process. Various types of software tools are designed for test ing. This proposed methodology is used to select keywords as well as attributes. This standard is appropriate for the programmers in addition to testers to generate applications for key word driven test. The authors argument is regarded to other articles which build to create keywords and identify the test cases. With the keyword selection software, set of attributes and keywords are being selected. Abstract The first article is based on road map for the software testing in which the author discussed on the software engineering principles with requirements to explain curriculum of the disciplines. Software testing is based on three steps such as analyze the requirements, determination of feasibility and begin with the test automation. In the second article, it evaluated on coalition aims to generate of testing standards for the anti-virus software. Software testing is done to examine the computer to observe if the anti-virus software will recognize the viruses in the computer. Antivirus software is used to detect as well as eliminate of computer viruses. The newspaper article provides the testing methods and processes for the software to protect them from virus, spyware and malware attacks. The article reviews on crash test dummy into the car business to provide evidence on the testing principles for the anti-virus software. The software conducted heuristic analysis in addition to do eva luation for identifying whether the program has inventive purposes. It is used as intrusion detection method to investigate the network traffic. In the third article, keyword driven testing is analyzed by the author for separating documentation of the test cases. It evaluates on the methods for software testing based on various viewpoints of testing. The testing is done for selecting keywords need for the organization. These three articles provides standards for the software testing so that the software develop can design, build and test the software for successful implementation of a software project. Standard software testing plays a vital role into software projects. References IEEE Reference paper (april 28, 2014) - key word driven testing. Moore, J.W., 2006. The road map to software engineering. Wiley-Interscience. Takahashi, D. (2008). Takahashi: Coalition aims to create testing standards for anti-virus software The Mercury News.

Professional Ethics & Regulation Corporate Social Responsibility

Question: Describe about the Professional Ethics Regulation for Corporate Social Responsibility. Answer: Introduction The purpose of this report is to evaluate the importance of Corporate Social Responsibility (CSR) in banking sector. According to the given scenario, the newly recruited non-executive directors are provided with an opportunity to share their views with the existing non-executive directors. In this meeting, the non-executive directors have raised concern regarding the banks corporate social responsibilities. According to them, the company is not capitalizing the corporate social activities for commercial benefits and therefore, the CEO has raised further concern to the matter. In this report, the importance of corporate social responsibilities and correspondent ethical guideline for the same has been emphasized. Nowadays, CSR is a tool of branding strategy making. Through this process, an organization can influence the stakeholders to improve their perceived value for the company (Rupp et al. 2015). However, overstating the CSR activities would affect business operation of an organization. According to the case study, Nantporth Bank plc has implemented efficient activities in order to conduct CSR; however, the entire cost has been incorporate in marketing budget. Eventually, the bank is not using the CSR activities as a differentiator tool. Moreover, some of the Banks activities are conflicting with the ethical guideline. For example, the bank has decided to move forward to online banking, which may cause 1000 redundancies. Therefore, it would be difficult to reconcile corporate social responsibilities and organizational ethics. This report will elaborate the need of ethical policies in order to deal with ethical dilemma. Use of Corporate Social Responsibility (CSR) In banking sector, the companies are responsible for facilitate the stakeholders including the society the company serves. Therefore, it is highly important to implement efficient strategies in order to provide advantage to the society and other stakeholders as well. The corporate social activities can be used as a marketing tool through which the company will be able to influence the stakeholders in a positive manner (Schrempf-Stirling, Palazzo and Phillips 2015). In order to use CSR as strategic position making tool, an organization should not overstate the corporate activities. Overstating the corporate social responsibilities would affect the brand image of the company. The overall cost of corporate social responsibility should be included in marketing budget (Vitell 2015). It helps the company to measure the effectiveness of the social activities through measuring the profitability. Strategic Positioning The term strategic positioning refers to the process of ensuring good position of the company in future environment. In case of Nantporth Bank plc, the company has decided to move forward into online banking, which may cause 1000 redundancy. Therefore, it would hamper CSR policy of the company, because through this movement, the company would not be able to provide advantages to its employees (Prez and Bosque 2015). The company should ensure that the employees are getting sufficient benefits as well as the community is being facilitated with good service. Formal policies on corporate social responsibilities and ethics would help an organization to reconcile social activities and strategic movement (Sun et al. 2015). The policies would help the company to ensure sustainability in changing environment. The company can promote the corporate social activities among the stakeholders in order to influence perception of the stakeholders positively. However, the company should not overstate the activities in order to maintain ethical guideline (Harjoto, Laksmana and Lee 2015). Therefore, it is important to implement ethical policies along with corporate social guideline. A sustainable CSR policy and ethical guideline would help the company to ensure that the company would be able to create strong brand image with changing environment. Differentiator In order to differentiate the company among others, it is important to facilitate the society along with other stakeholders with ethical guidelines. An organization should conduct ethical business in order to use CSR as a differentiator tool. There are several companies have participated in CSR activities; however, the practice of following ethical guideline is to less. The companies are publishing fabricated CSR activities in order to attract the stakeholders (Das, Dixon and Michael 2015). Such practices are unethical and therefore, the company should ensure appropriate discloser of CSR activities along with strong ethical guideline. In such manner, it would be possible for Nantporth Bank plc to differentiate the company among the competitors. A formal policy of corporate social responsibility helps an organization to give stakeholders the opportunity of sustainability. Implementing efficient policies for corporate social responsibility would help the company to introduce new bankin g schemes for the needful consumers (Jamali and Karam 2016). The involvement in social responsibilities would influence consumers perception about the company positively. Therefore, the investors and shareholders will rely on the business model of the company in long-term basis. Therefore, it can be said that a formal policy of corporate social responsibility would help the company to differentiate the brand from the competitors in market. Advantages of the policy The policies for corporate social responsibility and ethics can help an organization to increase customer retention (Saeidi et al. 2015). On the other hand, these policies help to develop strong relationship with the investors, customers and other networks with which the bank operates. Moreover, which such strategies, the company will be able to increase employee retention. Following are the advantages of CSR and ethics policies. Increasing customer retention Increasing employee retention Increase transparency with the stakeholders Improving organizational brand image and consumers perception The policies may bring advantages for the company from different aspects such as employee retention, customer retention, good brand image and sustainable business opportunity. Through an efficient policy of CSR and ethics would help the company to attract stakeholders like customers and investors. Showing regard to the existing employees would help the company to increase employee retention (Bartov and Yan 2015). On the other hand, a strong CSR policy would help the consumers to get viable information about the services. In order to differentiate the company among the competitors, the company should promote their activities among the stakeholders. Moreover, the company should comply with the GRI guideline while publishing the social activities through sustainable report. The internal policies have wide impact on the sustainability of the company (Ioannou and Serafeim 2015). However, it is important to comply with the regulations of external governance in order to promote CSR. Overall , the policies would help the company to build strong brand image through which the company would be able to capitalize on their social activities (Shen et al. 2016). The company has been associated with different social activities; however, it is important to involve in aggressive promotion of such activities in order to achieve organizational goals and activities. Scope of CSR policy The policy has been implemented by the company focuses on improving corporate social responsibilities along with the ethical guideline. However, the company is not capitalizing the CSR activities as strategic positioning tool. The policies with CSR and ethics would help the company to satisfy both internal and external stakeholders in an efficient manner (Rao and Tilt 2015). Moreover, the policies would help the company to ensure future development along with stakeholders advantages. Promoting the corporate social responsibilities among the stakeholders would help the company to maintain transparent communication (Shen et al. 2016). Therefore, it can be said that this kind of policy would give opportunity to the company in order to conduct sustainable business in global market. A formal policy of corporate social responsibility would help in over commitment of social activities. However, it is also important to incorporate ethical guideline in order to ensure that both internal and e xternal stakeholders are being facilitated. An ethical guideline would help the management to ensure that employees are given with appropriate recognition and regard. In this case, the concern stakeholders will be the employees. The company should not take any strategic movement through which the society would be facilitated, but the employees will be deprived. Incorporating ethical guideline would help the company to satisfy both society and their stakeholders in an efficient manner. When it comes to the policy improvement, it is highly important to incorporate ethical guideline to the corporate social responsibilities. It would help to maintain ethical business operations (Kili, Kuzey and Uyar 2015). The bank already has conducted certain activities in order to conduct sustainable business. However, the current decision of incorporating online banking would affect employee relations. Therefore, the company should implement policies in order to change job responsibilities of the existing employees rather than accepting redundancies. This policy would help the company to increase employee retention as well as to develop strong brand image of the company (Zhu, Liu and Lai 2016). Implementation of such strategy would help the company to ensure the stakeholders are being facilitated with efficient ethical guidelines. In order to conduct social responsibilities, the company should improve the technological aspects as per environmental change (Rao and Tilt 2015). Nowad ays, it is important to introduce online banking facilities in order to improve banking service for the consumers. However, digitalization of service would reduce need of workforce in banking sector (Alamer et al. 2015). Therefore, the formal policy may improve the facilities for the external stakeholders, but it would affect wellbeing of the internal stakeholders as well. Therefore, ethical guidelines should be incorporated through which the company would be able to ensure that ethical procedures are being followed. The policy should further include aggressive promotion of social activities among the stakeholders. In this manner, the company would be able to capitalize on the corporate social activities in an efficient manner (Fatemi, Fooladi and Tehranian 2015). The primary aim of the company is to increase profitability. Therefore, the company should implement such policy in which they can publish their social activities fairly through the sustainable report. This policy would help the company to ensure that the company is not entertaining unethical practices. Publishing over commitment through sustainable report would affect business operation of the company negatively (Dam and Scholtens 2015). Therefore, it can be said that incorporating such policy would help to improve the business operation and sustainability in future environment. Risk of incorporating CSR policy The incorporation of ethical policies may influence some risk factors. In this policy, the bank needs to reconcile strong corporate social responsibility and ethical message. For instance, the company should prevent redundancies while implementing online services to the consumers. The incorporation of ethical policies would increase organizational cost and reduce profitability. In order to serve the social community, the company should introduce online banking facilities (Zhu, Liu and Lai 2016). It will reduce the need of traditional branch operation. It can be described as a corporate social responsibility, because it would facilitate the social community and the consumers to overcome accessibility issues. On the other hand, the incorporation of online banking and reduce traditional branch operation has wide impact on employees responsibilities (Ferdous and Moniruzzaman 2015). The traditional banking procedures will be affected and therefore, redundancy rate will go high. In such si tuation, the bank will not be able to reconcile both corporate social activities and ethical message. Implementing this policy will tend the company to restructure job responsibilities of the existing employees in accordance with the environmental requirements. For example, the company should train the employees to cope up with newly implemented technologies. In that case, the company should communicate with the employees in an appropriate manner. The responsibility delegation plays major role in this aspect. Here, the company may face difficulties while delegating responsibilities to the employees (de Bakker 2016). Technological improvement may hamper work process of the existing employees. On the other hand, low acceptance rate of change among the employees can be a major issue. The employees may have poor knowledge in technology, which prevent the company to implement such policies. In this case, the company should provide training to the employees in order to improve their performance in accordance with the changing environment. However, it would increase organizational cost, whi ch will reduce overall profitability. The primary aim of the company is to increase organizational profitability (Alamer et al. 2015). However, the implemented policy would prevent the company from increasing the profitability. Therefore, it can be said that the most conflicting situation would be increasing profitability along with ethical guidelines. According to the ethical principles, the company should show high regards to their employees along with the social community. Therefore, the company should implement strategies in order to reduce employee turnover during change. In the given scenario, the company would like to facilitate the consumers. However, it has diverse impact on the existing employees. The company should facilitate all level of stakeholders with efficient policies of corporate social responsibilities. However, the incorporation of ethical policies along with corporate social policies would prevent the company from facilitating both internal and external stakeholders (Ioannou and Serafeim 2015). On the other hand, facilitating both the stakeholders would prevent the company from maintaining the profitability, which is the primary goal of the company. Therefore, it can be said that incorporating ethical policies would create conflict situation for the bank and therefore, it will be difficult for the company to achieve organizational goals and objectives. The threat related to the asset management subsidiaries: As mentioned by Bartov and Yan (2015) the CSR activities largely supports the actions or policies that contribute to the community development requirements. Hence, the organizations need to proactively refuse the actions or policies those are detrimental to the wellbeing of the communities. However, as opined by Ioannou and Serafeim (2015) such ethical decisions often strikes the organizations negatively, as it poses a threat to the financial viability of the companies. In the banking sector, it can become a threat to the organizations. As mentioned by Ferdous and Moniruzzaman (2015) in the major objectives of the financial organizations is to collect profit. With a number of diversified services the banks collects a substantial amount of profit. In the case of Nantporth Bank plc, the company has the subsidiary that offers mutual funds and money management services. The major source of profit is the companies those operate n the sectors like alcoholic drinks, tobacco companies and the companies in the extraction industry (mainly mining). Now, the essence of the CSR policy creates a strategic dilemma for the bank. As mentioned by Ioannou and Serafeim (2015) within the framework of the CSR policies the company needs to reject the strategy that creates harm to the community even with the promise of high profit. Moreover, the companies operating in the mining sector are creating environmental threat which is being indirectly encouraged by the Nantporth Bank plc. In such a context, the company can opt for the following strategies: Investing on the community programs against substance abuse: As the company cannot opt for rejecting its service to its star performers, it can invest on the projects those are directed to the cause of eliminating substance abuse or helping the victims of it. Charging a bit extra interest to those companies: This strategy can decrease the level of customer demand in this sector. Hence, the bank can opt for make a discussion with those customers and ensure that their contribution will be highlighted in the marketing and CSR strategy of the bank. Thus, by alluring them for positive brand image, the bank can opt for CSR which will not harm its business. Investing on the projects for environmental development: As mentioned by Ferdous and Moniruzzaman (2015) a number of excavation or mining companies opt for this strategy of investing in the environmental development or community development projects. Here, the example of British petroleum can be cited. Hence, it would be successful CSR project for Nantporth Bank plc. Moreover, the company can opt for investing on the health or livelihood projects of the people of those communities within which its customer is operating. Here, the company can also share the CSR investments of those companies. The threat related to the consumer finance subsidiaries: On the other hand, in the case of the consumer finance subsidiary, the company has to opt for high interest rates and aggressive debt recovery policies for operational success. As mentioned by Dam and Scholtens (2015) operation in the high risk market compels the banks to opt for the strategies like high interest rate and strict debt recovery policies. However, it essentially creates an ethical dilemma for the banks. As mentioned by Bartov and Yan (2015) the axiom of CSR advocates a policy that provides an ethical and humanitarian ground. Hence, the policy of high interest rate and strict debt recovery strategy puts a threat to the CSR guidelines of the company. In such a context, the company can opt for the following recommendations: A thorough investigation and opting for mortgage: As mentioned by Dam and Scholtens (2015) most of the banks in financial industry follows the strategy of careful lending to the debtors with a thorough investigation about the potentiality of the customer for the debt recovery. Hence, the Nantporth Bank plc. can follow this same strategy with a call for mortgage. The bank needs to align this policy to the national financial guidelines to eliminate any legal threat. It will decrease the threat of recovery failure. Increasing the EMI timeframe: As the company cannot decrease the interest rate, it can provide the opportunity of increased timeframe for credit return. It will support the high interest rate policy with an empathic ground. Thus, the company can eliminate threat related to the CSR policies on its business subsidiaries. Conclusion and Recommendations While concluding, it can be said that corporate social responsibilities has wide impact on strategic positioning. Effective set of policies in corporate social responsibilities would help the company to improve brand image. On the other hand, the incorporation of ethical guideline would help the company to satisfy both internal and external stakeholders of the bank. In the given scenario, the company has planned to introduce online banking facilities, which may facilitate the customers. However, this strategy has diverse impact on the employees. In such situation, ethical dilemma may appear and therefore, it is important to implement efficient set of ethical guideline. It would help the company to show regards towards the employees while conducting social responsibilities. In order to mitigate the risk factors of the ethical policies, the company should communicate with the stakeholders in a proper manner. The company should share their vision with the internal stakeholders before implementing any change. Apart from that, the company should maintain with the GRI guideline while publishing the corporate social responsibilities through sustainability report. In order to reconcile with the corporate social responsibilities and ethics, the company should provide adequate training to the employees. In this case, the employees will be unable to cope up with the new technology. Moreover, the job responsibilities of the employees will be changes. In such situation, employees may refuse to accept the change. Therefore, the company should build strong communication with the employees in order to restructure responsibilities of the existing employees. The company should not overstate the social responsibilities while publishing it through sustainability report. The practice of over commitment would prevent the company from building strong brand image in competitive market. In order to differentiate the brand among competitors, the company should promote the social activities among the stakeholders. It would help the company to capitalize on the social activities in an efficient manner. On the other hand, the company should maintain ethical practices while participating in social activities. Reference list Alamer, A.R.A., Salamon, H.B., Qureshi, M.I. and Rasli, A.M., 2015. CSR's Measuring Corporate Social Responsibility Practice in Islamic Banking: A Review.International Journal of Economics and Financial Issues,5(1S) Bartov, E. and Yan, L., 2015. Corporate Social Responsibility and the Market Pricing of Corporate Earnings.Hobart, Australia: Accounting Finance Association of Australia and New Zealand Dam, L. and Scholtens, B., 2015. 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