The nature of state provisions for the poor in the period c. 1830 - 1839 Essay Example for Free

The nature of state provisions for the poor in the period c. 1830 1839 Essay To what extent were the changes in the size of the electorate the key factor in determining the nature of state provisions for the poor in the period c. 1830 1839? In the years between 1830 and 1939, Britain saw great increase in the rate of legislation and the amount of government intervention in society, particularly concerning the aid of the poor. At the same time, the size of electorate was ever expanding but does this mean to two factors are necessarily linked? 1832 saw the Great Reform act, an act which extended the vote to all middle class men, putting an increased amount of power in their hands, in reflection of the greater political influence they now boasted. The middle class were distinguished by their values; the promotion of self help, thrift, sobriety and scientific approach all considered fairly opposite to qualities which the working class were believed to possess (self help, thrift and sobriety, in particular). Two years following the reform act, in 1834, the poor law amendment act was introduced. The old poor law had been under much attack, particularly from prominent writers and social commentators of the time, such as Thomas Malthus and Jeremy Bentham. Malthus blamed the poor law for the evident population growth in Britain, in that people were entitled to a greater amount of poor relief when they had a greater number of children. His solution to the problem was to see the abolition of the poor law, which would allow land owners (those who paid the poor rates) to pay higher wages to their workers, to prevent them having to rely on means of relief in the first place. With any luck, this would also discourage people from having as many children for the sake of money, hence controlling the rate of population growth and consumption of resources. Bentham wanted to see the poor cared for by the National Charity Organisation. He also proposed industry houses, which would be the only means by which people could access poor relief. The industry houses would be purposely tough, with strict discipline and long hours, in the hope of discouraging people from entering in the first place. Given that there would be no outdoor relief; this was intended to encourage people to apply the middle class principle of self help, and to find a means out income beyond poor relief. The major problems with the old poor law focused around its increasing cost, corruption within the system, and the demoralising affect of the Speenhamland system (where by the low wages of agricultural works would be subsidised in accordance to their number of children and the price of bread). The problems were approached by the Royal Commission on the Poor Laws, which began a few months prior to the 1832 great reform act. It recommended a new means of administration of the poor law (including the grouping of parishes into unions, controlled by a Board of Guardians, overseen by a central Poor Law Commission), the abolition of outdoor relief, and the introduction of the workhouse test. These ideas very much reflected those of Jeremy Bentham, and generally promoted middle class values; in particular, self help. However, given that the Royal Commission began some months before the middle class were enfranchised, it seems somewhat less likely that the points of the Poor Law Amendment act were a consequence of their influence. Furthermore, the leading commissioners were Nassau Senoir, a Malthusian, and Edwin Chadwick, a Benthamite given their position in the proceedings, it seems far more likely that their ideas are those which had more impact on the investigation (i.e., the results of the investigation could have easily been picked at to meet with their beliefs). Throughout the mid-nineteenth century, it could be observed that there was a growing movement of self-help amongst the working class, mainly revolving around Friendly Societies, Co-Operatives and Trade Unions. The Co-op began in 1844, and aimed to keep food prices down without compromising their purity. At the end of the year, profits were shared out amongst members via a dividend, so customers gained something in return for their expenditures. The Co-op was not a great use for the particularly poor however, as full payments were required at the time of purchase these people generally relied on tabs due to low and irregular income. Members of friendly societies and trade unions, generally speaking, would pay in a protected sum of money which they could then receive as benefits when ill, to protect then from having to turn to the poor law. Again, this required a regular income, due to the need to pay in money consistently. It seems very likely that these means of self help were a direct influence from the middle class; perhaps members of the working class had seen the influence and status which the middle class had received as a potential consequence of their values? Also, the new poor law and the fact that people would want to avoid the workhouse if at all possible seems a viable reason for the new interest in self help. It seems perfectly possible however that these people could have picked up on such middle class values without the latter being enfranchised anyway. In reward for their efforts, skilled artisans received the vote in 1867, with the second reform act. This still left the majority of the working class without the vote, and was likely due to the fact that skilled artisans were the only members of the working class with a steady enough income to pay into friendly societies, trade unions or co-operatives. The 1867 wasnt entirely supported however; some leading figures considered it power in the hands of the masses, and that it would throw the scum of the community to the surface. However, following the reform act, many changes were made and legislations passed, including the compulsory 1875 public health act and the 1870 education act, amongst others, all bringing about changes which would improve the conditions of working class life, along with the peoples chances for the future. Links between poverty and external factors were being established, government intervention was increasing, and there was a broader electorate to now appeal to. However, this growing electorate was not the only motive behind these changes. Scientific breakthroughs were occurring, such as the establishment of the germ theory, which gave much of the basis for the 1875 compulsory public health act. The national efficiency debate was sparking concerns to the general condition of the nation, a problem particularly highlighted by the number of volunteers who had to be rejected from aiding in the Boer war due to their poor health. Foreign competition saw rise to concerns over Britains economic health and weak workforce with a slump in trade, and the opinion of public figures such as Charles Dickens and Henry Mayhew on the difficulty of working class life gave a very human aspect to the problem. It seems that really, the now larger electorate was not the main force behind these legislations; yet, they were the easiest way to appeal to working men. It may just be considered as a fortunate consequence that these somewhat essential legislations appealed to the working class and their needs. The government also realised that taking these measures would help to break the apparent poverty cycle when people fell ill due to the poor conditions they lived in, they could not work, dipping them and their families into poverty. Consequently, the workforce became weakened, which by no means aided Britains dwindling economy. It was essentially in the governments interest to pass these legislations, for the sake of the country, not just appeal to the working class voters. In 1884, the vote was extended further into the working class, resulting in 1/6th of all men having the vote. The 1880s and 90s were a period of great economic problems and fairly high unemployment, and issue which was extending to skilled and respectable workers, not just the casual workers in society. This was a consequence of Britains pattern of trade slumping, and the inadequacy of the poor law in dealing with such a problem led to an overflow in the workhouses, and many people with no means of relief. Still prevalent in society was the national efficiency debate, with Britains consistently weak workforce and comparatively weak economy in comparison to nations such as Germany and the USA. Around this time, there was also an ever-growing awareness as to the causes of poverty, highlighted by the works of Seebohm Rowntree and Charles Booth, whos work into the extent of poverty in cities (and that for many people, their situation was caused through no fault of their own) very much hi ghlighted the extent of poverty, even beyond what people already expected. 1906 saw the Liberals come into power for the first time in 20 years, and consequently, the passing of many new legislations and reforms. These included another education act, labour exchanges act, trade boards act and the old age pensions. Given the minimal increase in the size of the electorate in 1884, it seems unlikely that this was the motive at all behind the Liberal reforms, particularly with much larger threats pressuring for change; e.g., the looming threat of socialism in Britain, the mass unemployment Britain was facing, the national efficiency debate and the desire to stay in office. There was also the Royal Commission on the Poor Laws of 1909 to consider, which between its minority and majority reports produced the recommendations which most likely lead to the reforms for change in provisions towards children and the elderly. The Liberal reforms brought about many improvements for these groups, with the old age pension and provision of meals and medical inspections act in education, and the National Insurance act of 1911 provided a means of sick pay and medical cover for workers much like a national frien dly society, of which all workers would have to pay into. For as much controversy as this caused, it was a big step by the Liberals in facing poverty. Beyond this time, the size of the electorate was not altered by any means of reform, yet quite dramatic changes towards provision for the poor took place; this included alternations to the age at which the OAP could be received, the unemployment act (which extended the national insurance scheme), the effective destruction of the poor law with the Local Government Act, the establishment of Public Assistance Committees to aid the able bodied poor, and the means test. Given that there was no change in the size of the electorate, there is no means by which that could be responsible for these changing provisions for the poor, they were mostly consequence of problems throughout society at the time, such as the inadequacy of the poor law as a welfare system in the 20th century, the mass unemployment throughout Britain and the lack of benefits available for the most vulnerable groups in society (e.g., widows, the elderly and orphans). It seems fair to say that, although their choices would have influenced who came into office and consequently, the policies that would be passed, the changing size of the electorate had a minimal part to play in changing provisions for the poor. The continuously changing external factors which pressured for change, advances in beliefs and knowledge and the work of prominent figures appear to have had the most profound effect on legislation and reform, and it seems that the changing legislation simply appealed to the needs of the changing electorate by fortunate consequences. It would seem that it was more the governments interest to tackle major issues such as unemployment and threats of socialism, as opposed to appealing to the requirements of the electorate concerning poor relief, yet the tackling of these issues simply led to improvements in this area also. The varying needs and requirements of the electorate themselves had little direct influence over government policies at any p oint.

Impact of Globalisation and FDI on Chinese Labour Law

Impact of Globalisation and FDI on Chinese Labour Law The Impact of Globalisation and Foreign Direct Investment on Chinese Labour Law and Policy Appetiser There I was, situated in Shanghai as part of a new student program with the University of Sydney. I drew back the curtains of my hotel suite on the thirtieth floor and beheld the Shanghai skyline. I had been told that not a single building was more than ten years old and I believed it. Before me stood a futuristic New York with sturdy glass skyscrapers towering above the masses as they went about their day on rudimentary cycles. I felt Caucasian and large in a world of physically short men and women whose world was running away from all that they had been and understood. I almost felt as though I were more at home in this strange, capital leviathan of structures, fitting precariously at the doorstep of wealth and clutching like a lost child to the parent sleeve of communism. Over the next four weeks I would study the impact of globalisation on China’s economical, political and social traditions. I was to tear away at the old fabric of a people’s country and in my own way seemingly justify intellectual property, uneven distributions of wealth and a drive for profits in this world that was steadily before my eyes, turning from red to green. Those students who had come before me had ignored the sheer impact of such factors on this socialist world. They focused merely on the steps that would need to be taken to eradicate bad habits that were hostile to Foreign Direct Investment. Yet the irony was that each and every one of us would venture into the markets and pick up accurate knock-offs of Prada and Hugo Boss for a fraction of their genuine retail value. I did however choose to focus on the people that remained behind the curtain of global market triumph. These were men and women whose lives were left uncertain in a country now becoming more a nd more devoid of lifetime guaranteed jobs. I wondered at their predicament, I focused on thinking of the changes to their lives and hoped that they would understand that it was all for the best. Nicola L Tysoe Introduction The clear combination of Foreign Direct Investment (FDI) welcoming policies and a relatively low cost economy spells a formula which, with the addition of cheap labour will become an area that foreign investors are only too happy to target by means of outsourcing the bulk of their services to the People’s Republic of China (PRC). China is rapidly growing in strength into a super power of the future and it becomes necessary to take a good look at the anatomy of this prosperous period of growth. This paper will begin in Chapter one by focusing on the substantive legal reforms that have been brought on by China’s bid for a more FDI welcoming environment. This will begin by giving an historical account of the social factors that encouraged reform Chapter two will then provide substantive analysis of the Chinese Labour Law of 1994, the Trade Union Law of 2001, Occupational Health and Safety and social security. In theory, and in a perfect world, the rapid race to FDI impacts on the economy of the target State in much the same manner as the Marshall plan that brightened the horizon for West Germany after the Second World War. Analysts would be forgiven for assuming that it is only a matter of time before the standard of living and sophistication of infrastructure of China begins to reach levels that are on a par with Western markets. This does after all go hand in hand with development in many infrastructures such as pensions and insurance, banking, intellectual property enforcement, taxation and corporate governance. It is also assumed that the process of acceleration will become exponential due to China’s recent accession to the WTO. In March of 2003, three major institutions came together to convene the International Conference on the Labour Reform: Employment, Workers’ Rights and Labour Law in China. These were; the International Institute’s Advanced Study Centre (ASC), the Institute of Labour and Industrial Relations and the Centre for Chinese Studies. In addition delegates from the World Bank, Amnesty International and University of Michigan faculty members and event co-sponsors[1]. The central point of discussion for this two-day conference was to discuss changes to the labour market of China as a result of over twenty years of rapid economic reform. Interestingly, this conference went beyond the mere analysis of new laws and looked more closely into the socially impacting factors of implementation in order to illustrate the true reality for workers in post economic reform China. This conference illustrated the clear need for a social analysis of labour in addition to the more procedural concepts of law reform and economic policy changes. Chapter three will therefore provide the contrasting reality for workers and give an account of China’s weak implementation policies as well as the emergence of inequality of worker treatment due to geography, gender and, surprisingly, the corporate entity of the employer. Finally, no social, financial and economic analysis of labour in post economic reform China would be complete without also analysing the issue of China as a global influence that may be set to create an international benchmark for attracting FDI. Chapter three will explore this point with reference to the existing impact of China on the global investment scene. The question asked will be whether the international community has cause for concern given China’s poor implementation strategy against promising legal harmonisation such as recent accession to the WTO. This will raise the worrying issue of risking a trend within workers rights that will witness a ‘race to the bottom’. Chapter One: Analysis – Social-Economic reform in China AHistorical Changes to Labour The political reason for economic reform in China was derived from unrest between 1966 and 1976[2] in which there had been a loss of confidence in the communist regime. By instigating reforms towards the creation of an open market, the Government hoped to establish popularity in an ever more dissatisfied population[3]. In addition to politics, China instigated reforms as a result of practical necessity and clearly prioritised economic welfare over purely communist ideals. This revolutionary compromise saved the regime and is exclusively responsible for China’s preservation of communism to this day[4]. China initially instigated its experiment with private ownership in 1978 but prior to this time annual growth rates in industrial production were measured at an average of 9.59 percent between 1952 and 1978[5]. In addition, industrial capital assets increased by an average of 11.08 percent and this contrasted with employment growth of a mere 5.98 percent per annum[6] and a wage rate increase of a mere 0.1 percent! The increased labour was resourced from rural regions as prospects in these areas diminished and young people undertook economic migration in search of better wage rates in China’s urban centres. This displacement of the population placed pressure on the maintenance of food supplies into the cities and called upon increased spending on housing and public services. The resulting reduction in rural labour resources also resulted in a decrease in agricultural output thereby increasing food costs across the country. The response from the Chinese government was to prioritise on the development of industries that yielded the highest revenue and these were centred in the urban districts[7]. Unfortunately this resulted in a destabilization of equilibrium of employment availability between the urban and rural regions thereby resulting in increased unemployment in the latter by the late 1970s. The result was an increased migration of rural populations seeking work and numbered a staggering, albeit modest estimate of 5 to 6 million Chinese between the years of 1978 and 1980[8]. The Government was effectively faced with a crisis as the traditional communist solution to simply create jobs within state owned sectors proved to be wholly unrealistic given the scale of the problem. Clearly relaxation of FDI restrictions, coupled with the attractive incentive of low cost labour would open the door to investment from the West. It was also conceded by the Chinese Government that this economic reform would create widespread modernisation of existing infrastructures and provide a breeding ground for technological advancement, as well as facilitate greater responses to consumer demands[9]. The Chinese Government regarded the allowance for economic growth within a private sector to tackle the problem of unemployment and treated the venture as an experiment. However these areas of private growth had originally formed part of the old communist infrastructure and this alleviated the brunt of political connotation for creation of a thriving private sector within a socialist regime. As is typical for developing States, China utilised the system of allocating Special Economic Zones (SEZs) for the purpose of concentrating FDI into specific geographic locations. Allocation of the location of these zones began in the early 1980s and there are now five SEZs in the provinces of Guangdong, Fujian, Hainan Hunchun and Pudong (Shanghai). To this day these zones provide huge tax incentives in the early days of development and can typically entail tax exemption during the first years of business until profits are declared[10]. Thereafter a ‘Tax Clock’ is counted whereby corporations tax would fall payable after the second year of profitable business[11]. Tax is then chargeable at a discount until the end of year five[12]. This method does however create vast inequalities of economic wealth between SEZ and non SEZ regions. This will be discussed further in chapter insert. B.Direct Implications for Labour 1986 saw China make the bold step of awarding further preferential treatment to businesses within the SEZs that had been established with overseas capital. Under new regulations these firms were permitted to independently determine the size of their own workforce and were given carte blanche discretion on setting wages. In addition, the Government acknowledged the need for entrepreneurs and hence, increased freedoms for domestic companies. Earlier in 1978 China had therefore given leave for small, privately run businesses to be given permission to exist and grow. In 1981 the State Council set up regulations governing the business ventures of entrepreneurs. By 1988 large domestic companies had been awarded the same workforce level control and profit distribution freedoms as FDI funded companies[13]. Chapter Two: Understanding Labour Law in Post Reform China AUnderstanding Chinese Labour Market Structure In order to fully appreciate the effects labour reforms that were brought on by FDI and globalisation it is essential to fully understand the current labour market structure. There are now four types of in addition to privately owned companies and urban collectives. Firstly there are State owned enterprises which, while resembling a capitalist entity by being profit-driven, remains under the control of the People’s Republic of China (PRC)[14]. These enterprises form the historic legacy of the pre-reform days of centralised State planning. This type of entity is used for the implementation of public policy ventures. However, since these reforms have taken hold, there has been a need for wages to be competitively set in accordance with market trends thereby facilitating external, capitalist behaviour when dealing with human resources. Secondly township and village enterprises (TVEs) consist of groups of firms that are inextricably and contractually linked to the local governments of a township or village[15]. These types of business entity are restricted to the employment of local people and must adhere to stricter budget constraints than their state owned enterprise counterparts. Township and Village Enterprises are clearly also connected to local markets such as fishing and agriculture and are not subject to state planning policies for the implementation of public sector ventures. Thirdly Joint Ventures (JVs) are largely located in the five SEZs of the PRC where one party to the venture is a foreign investor. Where however domestic enterprises engage in a similar agreement, no such geographic restriction applies and as a result JVs tend to be scattered around the whole of the PRC. JVs enjoy the contractual freedom of being able ensure that they may hire and fire whomsoever they please within their constituent workforces and are therefore awarded far more flexibility than their state owned enterprise counterparts. Lastly, foreign owned firms are similar in this respect but they of course obtain far more advantageous tax advantages than any of the other three types of entity. This therefore means that of all the types of corporate forms, the foreign owned firm is by far the least restrained[16]. This description of the status of the various separate entities throughout the PRC is, as stated above, essential for a full understanding of the labour law reforms. Part B will now explain reform in relation to the Labour Law of 1994. Part C will do the same for the Trade Union law of 2001 and Parts C and D will explain current Chinese policies on Occupational Health and Safety and social security respectively. BThe Labour Law of 1994[17] The Labour law of China was passed by the Standing Committee of the National People’s Congress in 1994 and became effective on 1 January 1995 and was in fact the first substantive legal source for labour relations in the history of the PRC. The statute consists of a series of principles that are derived from China’s administrative regulations and, as will be seen, represents a clear desire of the PRC Government to create a system of labour and industrial relations that is far more in keeping with the international community’s standards. Interestingly, there exists a clear attempt to combine the two concepts of traditional command economy with the Western market economy ethos. This balancing act may seem to be a conceptually awkward marriage. Scope of the Law Article 4 of the Labour Law firmly states: â€Å"The employing units shall establish and perfect rules and regulations in accordance with the law so as to ensure that labourers enjoy the right to work and fulfil labour obligations.† The Labour Law of 1994 is applicable to all business entities, whether nationally or internationally owned and governs employment across the skills spectrum. The clear aim to remove distinctions in labour rights between the various skills types and corporate entities is a positive effort to create one high standard of rights for workers in China. A further aspect of the Labour Law is contract employment is given a great deal of attention within Chapter 3 of the Law whereby it has become necessary for all employment to be protected in accordance with a contract. Article 16 states: â€Å"A labour contract is the agreement reached between a labourer and an employing unit for the establishment of the labour relationship and the definition of the rights, interests and obligations of each party. A labour contract shall be concluded where a labour relationship is to be established.† Prior to the economic reforms that were brought on by unrest and global pressure, the PRC Government was solely responsible for the allocation of labour. Instead, the Labour law follows 1986 regulations[18] whereby the standard contract of employment is described. By 1995, the Ministry of Labour had stated that this contract employment system was already in operation among some 85% of the state workforce[19]. A further internationally respected issue of the Labour law is direct address to anti-discrimination. Article 12 states: â€Å"Labourers shall not be discriminated against in employment, regardless of their ethnic community, race, sex, or religious belief.† This is followed by Article 13 which provides that: â€Å"Females shall enjoy equal rights as males in employment. It shall not be allowed, in the recruitment of staff and workers, to use sex as a pretext for excluding females form employment or to raise recruitment standards for the females, except for the types of work or posts that are not suitable for females as stipulated by the State.† The issue of gender equality does in reality reflect the PRC’s existing policies of equality that are not unusual for a communist state. In addition to the Labour Law, the PRC also produced the Law on the Protection of Women’s Rights and Interests in 1992[20] and is in keeping with the international campaign of the United Nations Development Fund for Women[21] . The law also consists of mandatory periods of rest, restrictions to overtime and overtime pay. In relation to factories that are set up within the Special Economic Zones (SEZs) it is surprising to note that these mostly foreign owned companies are the worst culprits for worker exploitation. The reason for this is that the bulk of those employed are from the rural areas and tend to be on a temporary basis, which is associated with the fluctuating demands for labour in privately owned firms. This is by contrast to the state owned businesses that promote longevity of working contract as a legacy of the communist era. The Labour Law stipulates in Article 36 that workers are to be engaged for no more than 8 hours per day and that the working week is no to exceed 44 hours. In addition, Article 38 calls for the right to have at least one day off per week. It is also interesting to learn that only three months after the coming into effect of the Labour Law, one State Council reduced the mini mum standards of working hours within the Labour Law to a maximum of 8 hours per day for five days per week. The Labour Law also provides for criteria for the calculation of a minimum wage within Article 48, which specifies that: â€Å"The determination and readjustment of the standards on minimum wages shall be made with reference to the following factors in a comprehensive manner: the lowest living expenses of labourers themselves and the average family members they support; (2) the average wage level of the society as a whole; (3) labour productivity; the situation of employment; and the different levels of economic development between regions.† As stipulated above, Article 48 also provides for the reporting of wages to the State Council which means that the Central Government has the power to supervise wages across the nation. This is only a slightly more invasive policy than that of Western Civilisations that specify a minimum wage but is arguably superior given that the wording of Article 48 provides for relative considerations such as geographic cost of living and worker commitments in order to determine wage levels. This therefore means that deemed income that is sufficient for comfortable living is more realistically achievable for Chinese workers than many low income earners in the West. This also provides for the availability of a large amount of data concerning minimum wage levels across the PRC and there is a sizeable difference between the South Coast SEZ provinces by comparison to the Northern regions. This will be discussed further in Chapter 2. A new kind of relationship between the worker and the state The Labour Law has cleverly converted administrative sanctions into liability for breach of contract, thereby maintaining a sense of obligation for workers without the stigmatising concept of the over-lord State. An example of this can be seen in Article 25 which stipulates situations that would permit the revocation of the contract of employment: â€Å"The employing unit may revoke the labour contract with a labourer in any of the following circumstances: to be proved not up to the requirements for recruitment during the probation period; to seriously violate labour disciplines or the rules and regulations of the employing units; to cause great losses to the employing unit due to serious dereliction of duty or engagement in malpractice for selfish ends; and to be investigated for criminal responsibilities in accordance with the law.† Another example is the right to sue workers for damages in the event that they walk away from the job[22]. As regards the obligations and duties of the employer to the employees, the Labour Law deals with Legal Responsibility[23] of the employer exclusively in such areas as excessive overtime and breaches of occupational safety but these will be dealt with further in part D. This incentive of shifting the premise for disciplinary violation as a contractual breach is also in keeping with the PRC’s efforts to award legal personality to businesses, regardless of whether they are state or privately owned. Indeed, as far as state enterprises are concerned, there will be a marked change in its relationship towards its workers and the contractual format of establishing such a relationship will be the basis for this change. In addition it is clear that the Chinese Labour Law was written to combat the inevitable onslaught of problems of abuse of uneven bargain positions that are common in the West. Indeed, with the introduction of a market dependent labour force it is clear that Western style abuses would arise and that therefore, workers would require to be entitled to the internationally recognised right to privately instigate litigation. This does however contrast with continued State control over the process of employment termination and this reflects the ongoing strength of pre-reform ethics concerning security of employment. This therefore means that lay-offs are statutorily regulated, as is illustrated in Article 27 which stipulates a requirement to consult trade unions: â€Å"During the period of statutory consolidation when the employing unit comes to the brink of bankruptcy or runs deep into difficulties in production and management, and if reduction of its personnel becomes really necessary, the unit may make such reduction after it has explained the situation to the trade union or all of its staff and workers 30 days in advance, solicited opinions from them and reported to the labour administrative department.† The result of this law is that termination for employment as a means of increasing productivity is prohibited. The main reason for this is that communist manufacturing infrastructures create more than a mere job for labourers but also provide workers with an array of fringe benefits that overshadow those of Western counterparts. These benefits traditionally include housing and free medical care with the result that a loss of work often means a loss of home and health! Layoffs therefore carry serious implications for political upheaval and are to be avoided at all costs and an employment culture of relocation, retraining and early retirement is unlikely to arise in the foreseeable future[24]. This does contrast with pressures from both the World Bank and the World Trade Organisation of which China has now been a member since 11 December 2002[25] but in general it would be prudent for these global organisations to be sensitive to the impact of economic restructuring on a workforce that is dependent on the full-life-package derived through their employers. It does seem that the influence of FDI into China has led to reforms that result in the workforce becoming a mere producer of manufactured goods as opposed to a fully rounded human being with social needs. C.The revised Trade Union Laws of 2001[26] Following the economic reforms that have caused China to become globally open to FDI, the resulting reforms of labour laws and trends in labour activity have resulted in a new role for trade unions as safeguards of worker’s interests during the difficult period of reform that would give rise to dissatisfaction from the workforce. This is stipulated in the November 2001 report of the International Confederation of Trade Unions[27]. Interestingly this report regards the revised Trade Union laws of 2001 as representing only a minimal departure from the 1992 version. This earlier version had been heavily criticised by the International Labour Organisation’s Committee on Freedom of Association which condemned the 1992 law as a: â€Å"serious constraint on the rights of unions to establish their own constitutions, organize their activities and formulate programs.[28]† However, the following substantive analysis will reveal that Trade Unions have been awarded substantial powers in their role as organisations that are established to represent the welfare of the labour force but also maintain a central system of regulating these Trade Unions. As stated above, the original 1992 Trade Union Law was revised in 2001 in order to create a more comprehensive response to the continuing market foundation of the Chinese economy[29]. The role of the Trade Union is defined in the basic functions under Articles 2 and 6 of the Trade Union Law of 2002. Article 2 states that: â€Å"Trade unions are mass organizations of the working class formed by the workers and staff members on a voluntary basis. The All-China Federation of Trade Unions and all the trade union organizations under it represent the interests of the workers and staff members and safeguard the legitimate rights and interests of the workers and staff members according to law.† In addition, Article 6 states that the basic function of the Trade Union is the safeguarding of the rights and interests of workers. Further to this, Trade Unions are to coordinate labour relations and arrange for members to partake of democratic decision making and remain in close relation with workers as their representatives to employers. Before China’s economic reforms, Trade Unions were chiefly involved in the fringe benefits of workers such as education and welfare. This was based on the premise that worker unrest and industrial action were unique to capitalist regimes although the truth of this matter is debatable. It is however true that the profound change to relationships between the worker and the employer are significantly different to justify an alteration of the role of the Trade Union. One of the main differences is the realisation that workers can no longer be automatically enrolled into Trade Union Membership. According to Union Chairman and Politburo member Wie Jianxing[30] only 5% of workers in the private sector were actually Union members. This was by comparison to a mere 3.4% in township enterprises. Incentives to increase Union membership are therefore present in the 2001 Union Laws. Article 10 encourages increases in Union branches and recruitment drives by the more superior branches also form part of the Union policy of increased membership under Article 11. In addition, Article 43 and Chapter VI have been introduced to protect the interests of maintaining Union property and income. Clearly this issue could not have arisen under the pre-economic reform era of Chinese communism. This initial analysis of laws that are geared towards the protection of the Union does motivate us to question whether this has become a priority that exceeds the interests of workers. Clearly the path of the Chinese Government is to ensure that Trade Unions should work hard to remain at the forefront in order to continue to provide support to workers. This is especially important during a time in which Chinese workers are arguably more vulnerable in a commercial environment where traditional guarantees of life-time work and fringe benefits are becoming ever more unstable. In addition to the above changes, Article 20 stipulates increased power for Trade Unions in collective bargaining and in Article 21 a right has been created whereby the Union may interfere in disciplinary proceedings and unfair dismissals. In the case of workers taking their employer to court, the Trade Union is obliged to assist. Equally significant is the power for Unions to assist in strikes and work to rule action. Clearly the role here is for the Trade Union to act as the voice of the labour force and a theme of the collective, communist labour force versus the potentially corrupt, capitalist employer screams out through the provisions of the 2001 Law. Occupational Health and Safety are dealt with in relation to Trade Unions in Articles 23 to 26. Here Trade Unions have heightened powers in relation this matter which will be dealt with in greater detail under part C below. As regards the relationship between Occupational Health and Safety and Trade Unions, the latter are obliged to conduct investigations into accidents where there have been infringements of health and safety. Trade Unions also have the power under Articles 33 and 34 of the 2001 law to assist in the process of creating new labour laws, further health and safety regulations and policies relating to social security. Consultation rights are also enjoyed by Trade Unions under Articles 37 to 39 of the new 2001 law in relation to these self same issues of pay, health and safety, social security and the democratic election of ‘worker directors.’ By comparison to the old law relating to the power of Trade Unions it is clear that their increase in power is in response to exposure of China to the international community. It is therefore more of a protective mechanism in the face of a more mobile, market influenced labour force as opposed to any international Trade Union movement. In addition, the reforms ought not to be mistaken for a step in the direction of democracy. This is blatantly illustrated in Article 4 which announces a clear adherence to the Communist state: â€Å"Trade unions shall observe and safeguard the Constitution, take it as the fundamental criterion for their activities, take economic development as the central task, uphold the socialist

An Online Utility Bill Payment System

An Online Utility Bill Payment System Abstract With the growing number of people who are been increasing pressured for time, online utility bill payment has become a graceful solution for the consumers with busy life styles. Through online payment of utility bills, consumers are able to save time, hassle and therefore make their lives much easier. Although online utility bill payment has become one of the fastest growing trends in the world particularly in the US, in the Sri Lanka however, the progress of households adopting to online utility bill payments is rather slothful. Thus, the primary objective of this study is to analyse the factors influencing the consumers intention to adopt an utility bill payment system in Sri Lanka alongside with the secondary objectives of identifying the awareness level on online bill payments systems, examining the most preferred utility bill payment options and models, and the degree of acceptance of online utility bill payment systems by the consumers and finally to analyse the future prospect with regards to online utility bill payments. Hence a survey was conducted among 50 physicians from four major hospitals in the Colombo city. According to the result obtained from this research, it was revealed that although in general all the respondents were somewhat aware about online utility bill payment systems, the younger respondents acquired a better knowledge about online utility bill payments than respondents from older age categories. Furthermore, all the respondents positively reacted and stated that it is important for all the utility companies to mark their online presence thus allow customers to conduct online transactions as it would be more convenience. Moreover, factors categorised under perceived risks and perceived benefits were found to have a considerable force on the consumers intention to adopt an online utility bill payment system. Other factors such as services and features offered by companies, individuals computer knowledge and skill, and usage of credit and debit cards were also identified and are di scussed in this research. Key Words: Online utility bill Payment system; Credit card usage; e-commerce; adoption; User intention. Chapter 1 Introduction Today the improvement of e-commerce has led to the derivation of various internet based activities. For e.g. companies are able to conduct their business activities at all hours, reaching customers in all parts of the world thus expand their customer base without geographically being limited. Whereas in customers perspective, e-commerce provides a platform on which they can easily carry out the necessary transactions at their convenience. Hence even the companies which provide utility services are boldly revolutionizing their industry thus adopting internet for e-commerce purposes (Buccigross, 2000). This allows customers to make their utility bill payments directly through utility companies websites or through a third party website such as banks, financial institutions and aggregators. Online utility bill payment is when the customer makes his or her payment transactions online for the utility services obtained from a particular company. By paying utility bills via online, consumers have the benefits of avoiding crowds, queuing, parking problems, and cutting their travelling costs and time (Ramayah et al, 2005). Hence consumers could simply get their utility bills paid with just a click of their mouse. In Sri Lanka, the payment system of utility bills is rather different to the systems established in other countries. The utility bills usually arrive by post thus the consumers must visit the payment office in order to settle the payments. As mentioned earlier, this process is usually accompanied by queuing, parking problems, and limited payment options. For example, the CEB NWS DB only accepts payments made by cash or cheques at their payment counters. These issues can be considered as a hassle for people whose jobs are of hectic and stressful nature. Many utility companies in Sri Lanka have identified this problem thus have implemented various types of payment systems in order to provide their consumers with a wider choice when it comes to their payments (refer appendix A). Online utility bill payment is one of the elite choices of payment systems that have been implemented in the contemporary world. Problem Statement What are the factors shaping and influencing an individuals intention to adopt an online utility bill payment system? Problem Justification There is a lack of understanding as to what is really happening in the local context with regards to the adoption of new technological services related to the internet. Hence there are hardly any researches that have been carried out in order to understand the consumers view point with regards to online utility bill payment systems that have been implemented. Therefore the knowledge about consumers behaviour related to this area of study is vital for utility companies and other vendors operating in similar businesses in order to estimate the potential market available hence utilize the internet as a tool of opportunity for those companies to grow and expand their market. The study will also be essential for government utility companies (e.g. CEB) since they have not yet implemented the service of allowing the customers to pay their utility bills directly through the companies websites. The information originated from this research will enable both the government and private utility companies to identify the significance of the factors influencing the consumers intention to adopt online utility bill payment systems thus develop strategies to further enhance their business activities. Objectives of the Study To determine awareness level about online utility bill payment systems by consumers. To analyse the factors influencing the consumers intention to adopt an online utility bill payment system. To find out the most accepted online utility bill payment options and the preferred bill payment modes by consumers. To analyse the degree of acceptance of an online utility bill payment system by consumers. To examine the impending future prospect of online utility bill payment systems in Sri Lanka. Significance of the Study This study will mainly facilitate the utility companies and other vendors in Sri Lanka to identify the factors influencing the consumers intention to adopt online utility bill payment systems, in this case physicians who are residing in Colombo, a highly skilled and a valued population in the country. Therefore by understanding such factors, companies will be able to eliminate the uncertainty levels and have a clear view about the potential market for online utility bill payment in Sri Lanka. This study will further help the utility companies develop enhanced strategies regarding the payment options that are being made available to their clients. Awareness about online utility bill payment will allow consumers to acclimatize to these new technologies thus exploit the advantages of the internet. The information and data that have been collected in this study will aid the future researchers conducting researches related to consumers intention to adopt online bill payment systems in general. Scope of the Study This study was carried out to empirically investigate the factors affecting the consumers intention to adopt an online utility bill payment system. However, the survey sample of the study consisted only of physicians working in four (4) private hospitals situated within the Colombo city limits. Furthermore, the physicians were from various backgrounds thus to achieve results that are more realistic and to better signify the people that pay utility bills, the sample have to be more diversified in terms of age and geographical location (He Mykytyn, 2007), preferably homeowners who are responsible for their respective household bill payments. Chapter 2 Literature Review Online Utility Bill Payment Online utility bill payment is when the consumer makes his/her payments for the utility service(s) obtained with the use of the internet. The types of utility services are illustrated in the table below. Today, the consumers trend in making utility bill payments is increasing particularly in the developed nations Brant (2008). In the Sri Lankan context however, although the country illustrates a steady growth in terms of internet usage especially from the users in the urban areas (Sathrasinghe, 2004), this has not been escorted by a similar growth in the number of consumers making online utility bill payments. In fact according to the Central Bank of Sri Lanka (2008), the overall transactions made by consumers over the internet illustrated a declining trend. Online Utility Bill Payment Models Options There are various payment models and payment options available to the customers when it comes to paying online utility bills unlike in the traditional (or offline) method of bill payment where the customer is limited to pay by either in cash, cheque, or electronic payment at a given payment centre. There are two types of online utility bill payment models, namely direct model and indirect model. The following table describe further details on these two models. Indirect Model (Third Party) Consumers pay any biller through a third party website such as a bank or portal, or by using software that interacts with the payers bank (Flynn Bowes, 2005) Automatic Bill Settlement by American Express (American Express, 2010) HSBC Easy Bill Settlement for Utility Bills (Hongkong and Shanghai Banking Corporation, 2010) With the evolution of payment options from barter to commodity-based, to currency and coin, to card-based and, more recently, to electronic network-based systems (Mantel, 2000), modern consumers have a wider choice when it comes to paying their utility bills via online. The table 3 below illustrates various online payment options available for consumers. Table 3 Online Payment Options Online Payment Options Definition Examples (Sri Lanka) Virtual Credit cards A disposable payment card that can be used to make purchases or payments over the internet (Economy Watch, 2010). Sampath Web card (Sampath Bank, 2010) E-cheques An electronic representation of a paper cheque (Acosta, 2008). e-cheques by Union Bank (New Sri Lanka, 2009) Smart cheques by Standard charted (Standard Chartered Bank, 2008) E-Wallets A software that has been installed on the consumers desktop which automatically fills payment forms (Acosta, 2008). Sampath e-wallet (Sampath Bank, 2010) Credit Cards (VISA, MasterCard American Express) The money for purchases or payments is credited directly to the consumers bank account, allowing consumer to pay later. HSBC credit cards (Premier, Platinum, Gold, Classic) (Hong-Kong and Shanghai Banking Corporation, 2010) Debit Cards The money for purchases or payments is deducted directly from the consumers checking account. HSBC VISA Debit card (Hong-Kong and Shanghai Banking Corporation, 2010) Sampath Bank Debit card (Sampath Bank, 2010) Online bank accounts Allows users to manage their bill payments through online banking Personal banking by HSBC (Hong-Kong and Shanghai Banking Corporation, 2010) Payeasy by Sampath Bank (Sampath Bank, 2010) Combank Online by Commercial Bank (Commercial Bank, 2010) Literate Review on Dependent Variable Given the fact that online bill payment is one of the fastest growing consumer activities on the internet that has being accepted by the business world today (McCormick, 2005), a few published empirical studies have specifically addressed the underlying factors that could materially affect customers adoption of an online utility bill payment system (He Mykytyn, 2007). Cheung et al (2003) have stated that theories such as the TRA, the TPB and the TAM are the most dominant theories that are been used to test studies related to the online consumer behaviour. Hence out of the three theories, TAM is considered as a suitable theory to analyse the factors influencing the physicians intention to adopt an online utility bill payment system (Taylor and Todd, 1995 cited Karami, 2006). (Please refer Appendix B for further details on the theories). Literature Review on Independent Variables In order to address the problem in this study, the following independent variables were selected as suggested by many previous studies. Perceived Characteristics Perceived risk Previous findings on the impact of perceived risk on consumer behaviour have suggested that the consumers consider adopting online payment methods more risky than tradition offline methods (Palvou 2003 and Koufaris et al 2002 cited He Mykytyn, 2007). In the Sri Lankan context, the risk of online utility bill payment is relative moderate. This is complemented by the fact that there are many banking services providing secure methods for the online financial transactions. However, according to the central banks statistics (2008), the total volume of transactions decreased by 5.7%. This indicates that there is a tendency that Sri Lankan consumers are concerned about the perceived risk associated with online payments in terms of security, trust and privacy. Perceived benefits the intention of online utility bill payment can be explained by the two components of TAM; PU and PEOU. Hence according to these components, when physicians consider online utility bill payments is more useful in terms of time saving, convenience and service reliability, and it is easy to use, they should be more likely to pay their utility bills online. Previous findings by (He Mykytyn, 2007 and Ramayah et al, 2006) revealed that perceived benefits are the significant drivers of consumers intention to adopt an online utility bill payment system. These findings were also consistent with previous studies on TAM (Chan Lu, 2004 cited Ramayah et al, 2006). Consumer Characteristics Consumer characteristics variables include gender, age, and nature of occupation, credit/debit card usage, attitude towards innovative payment methods, and individuals personal computer knowledge and skills. Gender Most of the previous researches on online bill payment, it is found that males are more willing to pay their bills through online than females. However, in a study by Masters (2006) it was found that the gender difference between males and females rate of internet usage among physicians are diminishing. In the Sri Lankan context, the computer literacy between males and females are 22% and 18.7% respectively (Department of Census Statistics, 2009). This indicates that the gender differences in how each perceives internet technology are blurring. Age Most studies indicates that the tendency of younger consumers intention of online bill payment is much higher than that of old consumers. This maybe mainly due to the familiarity of the internet based activities at an early stage. The circumstances in Sri Lanka are also similar; this may be mainly due to the high percentage of computer literacy in young people than older people (Department of Census Statistics, 2009). However, in the case of online utility bill payment, a study by Mantel (2000) showed that older people are more likely to pay utility bills via online than young people. General physicians/ Specialists Although most previous researches did not find a significant positive relationship between the user intention in online bill payment and education level, in study by Masters (2006) an interesting relationship between the nature of the work and internet usage was revealed. The study showed that there is a greater tendency for specialists to use the internet more than general physicians (Masters, 2006). Credit/Debit Cards Usage A study by Hayashi Klee (2003) stated that consumers who intent to use new technology have a more tendency in utilizing electronic payment methods than those who do not. Though the credit cards usage in Sri Lanka has indicated a declining trend since the recessionary months of 2008 the debit card usages have shown a considerable increase. Thus this could be assumed as a factor influencing the intention to pay utility bills via online. Attitude Attitude refers to the ones evaluation of consequences on performing a particular behaviour (Karami, 2006). Thus attitude has long been shown to influence behavioural intentions (Ajzen and Fishbein 1980 cited Pavlou and Fygenson, 2006). Computer Skills In most cases this stands as a key barrier for adoption of online transactions. Computer skills are mainly a persons ability to understand the set-up of online payments and the ability to use such online payment systems. Most of previous studies indicate that there is a significant positive relationship between individuals computer skills and intention to adopt an online utility bill payment system. (Please refer appendix C for the summarised table on literature review). Chapter 3 Methodology Secondary Data Analysis Population Sample The population selected for this study comprised of registered physicians in Sri Lanka. In order to obtain the sample, multistage sampling method was used. As illustrated in the figure below, initially cluster sampling method was used to divide the population into sub categories based on geographical area and then on obtaining a list of physicians employed in private hospitals in Colombo city, stratified sampling method was used to further divide the sample into homogeneous groups based on nature of occupation, hence a simple random sample was drawn from the two combined categories. (Please refer appendix D for further details). Secondary Data Analysis The Future of Online Utility Bill Payment Systems Although the idea of online utility bill payment is quite unfamiliar to most Sri Lankan households, online utility bill payments is one of the popular method of paying utility bills, mostly in developed countries such as the US. Hence according to a survey by the NLCCDG in 2005, 75% of the US cities had already implemented a separate webs5%ite for their citizens in order to make utility bill payment (IT Facts, 2005). According to Forrester Research, it is estimated that some47 million US households will pay utility bills online at the end of year 2010, which is a 75% increase from 2004 (illustrated in the figure below). Furthermore, the survey reported that among the consumers who are below the age of 30, the interest in online utility bill payment will grow by 219% and 32% of increase among baby boomers (BCR Access, 2006). Although there are no direct surveys that has been carried out in the Sri Lankan context with regards to online utility bill payments, according to the internet world stats website, the internet users have increased significantly during the past few years hence the percentage of penetration have increased by approximately 3% in year 2010 compared to 1.8% increase in year 2009 (internet world stats, 2010). The figure below illustrates the trend in internet users in Sri Lanka (source: internet world stats, 2010). Although the adoption of new technologies by the Sri Lankans is comparatively sluggish when compared to other Asian countries in the region, the government of Sri Lanka has taken numerous steps in order to enhance the e-commerce base activities. Hence one of the most significant episodes in the authorized regulation of e-commerce in Sri Lanka was the endorsement of the Electronic Transactions Act in 2006. This act was implemented in order to assist the commercial and financial activities by removing barriers to electronic transactions (Kariyawasam, 2008). Consequently since then many companies providing various services, especially utility services, have implemented systems that allows consumers to conduct their transactions via online. Chapter 4 Data Analysis The primary data for this study were collected through a survey based field study which consisted of thirteen questions (please refer appendix E for the questionnaire). The survey was administered to the physicians working at four major private hospitals in Colombo, namely Lanka Hospitals, Oasis Hospital, Asiri Surgical Hospital and Nawaloka Hospital. Fifty (50) questionnaires were randomly distributed among the physicians employed at all four hospitals and the responses were collected two days after the initial distribution of the survey. In total, forty four (44 i.e. 88%) physicians responded. Total of 29 items were used in this empirical study, including customer characteristics, perceived risk, perceived benefits, and merchants website and service features. To calculate the internal consistency of these items, a reliability analysis was performed by computing Cronbachs Alpha for each item. Hence all items are within the range of 0.746 (illustrated in the figure below) which is within the commonly accepted range, i.e., ÃŽÂ ± à ¢Ã¢â‚¬ °Ã‚ ¥ 0.69 (He Mykytyn, 2007). According to the findings about the awareness level on online utility bill payment systems in Sri Lanka, the results indicated that in general all the respondents were moderately aware. However, when categorized according to the age, those of who were over 46 years old were only slightly aware about online utility bill payment systems, and male respondents demonstrated more knowledge on online utility bill payment systems than female respondents. 1= Never, 2= Almost never, 3= Sometimes, 4= Almost every time, 5= Every timePreferred Bill Payment Options The respondents mostly preferred to use credit and/or debit cards for their online transactions. The debit card usage frequency was higher than the credit card usage for online utility bill payments, although in general a higher number of respondents acquired a credit card. The indirect bill payment method was the most preferred among the respondents, i.e. most consumers preferred to pay their utility bills (excluding the telephone bills) through a third party website such as a bank or portal, or by using software that interacts with the payers bank (Flynn Bowes, 2005). Despite of any age differences, the consumers attitude towards online utility bill payment systems were positive. Hence most respondents thought that it is important that all companies must implement online bill payment systems as opposed to offline payment methods. Regression Analysis A regression analysis was performed using the individuals intention (UI) as the dependent variable and perceived risk (PR), perceived benefits (PB), merchants website service and features (MWSF) and computer skill (CK) as the independent variables. The Equation for this model is as follows Individuals Intention to adopt an online utility bill payment system (UI) = ÃŽÂ ²0 + ÃŽÂ ²1Perceived Risk (PR) +ÃŽÂ ²2 Perceived Benefits (PB) + ÃŽÂ ²3 Merchants Website Service Features (MWSF) + ÃŽÂ ²4 Individuals Computer Skill (CK) i.e. UIn = ÃŽÂ ²0 + ÃŽÂ ²1PRn +ÃŽÂ ²2PBn + ÃŽÂ ²3 MWSFn + ÃŽÂ ²4CKn Where ÃŽÂ ²01234 = Regression coefficients n = 1, 2, 3à ¢Ã¢â€š ¬Ã‚ ¦ 44 Table Regression Analysis Result Dependent Variable: Individuals Intention to Adopt an Online Utility Bill Payment Option Figure Framework on Factors Affecting the Individuals Intention to Adopt an Online Utility Bill Payment System .316 .418 -.281 .238 Individuals Intention to Adopt an Online Utility Bill Payment System Individuals Computer Skill Merchants Website Service Features Perceived Benefits Perceived Risks Therefore from the findings above, it is evident that perceived risks, perceived benefits and individuals computer skill variables indicate a positive relationship with the intention to adopt an online utility bill payment system variable. The merchants website service features variable, however, indicates a negative relationship, this explains that more than the services offered by certain merchants regarding online utility bill payments, respondents were more concerned about factors such as security, trust, privacy, time, and other beneficiaries when it comes to adopting an online utility bill payment system. Chapter 5 Conclusion Recommendation The main objective of this study was to empirically investigate the factors affecting the individuals intention to adopt an online utility bill payment system in Sri Lanka. The primary investigation on the topic identified that there are several factors influencing the adoption of online utility bill payment systems by consumers in the country. Since the country is still in its infancy of adopting online payment methods as oppose to offline payment methods, the study was conducted among physicians, a highly qualified and professional set consumers who are more likely to be in touch with new technologies. Thus the findings of this study are from a survey that consisted of 44 physicians employed at four major private hospitals in the Colombo city. The results indicated that although in general all the respondents were reasonably aware about the online utility bill payment systems that were available for them, the younger who were below the age of 30 were extremely aware about online utility bill payment systems compared to the rest of age groups. Additionally it was also found that male respondents were more aware about online payments than female respondents. The general usage of credit/debit cards and online bank accounts for the payments of utility bills was found to be relatively less. This can be also related to the finding from the secondary research which analysed that the usage of credit and debit cards has declined in Sri Lanka due to various reasons such as the economic turmoil and high interest charges applied by subsequent banks which issue the credit/ debit cards. Thus, the use of online bank accounts for the settlement of online utility bill payments showed a higher rate over credit and debit card usages. Moreover, although most respondents stated that they preferred to pay their telephone bills directly from the consequent merchants website, for other payments such water and electricity, most respondents preferred to adopt payment systems that were implemented by third party vendors such as banks. Concerning the consumers attitude towards online utility bill payment systems, majority of the respondents stated that it is important for utility service companies to mark their presences on the internet thus implement online payment systems. Interestingly, apart from the younger age group below 30, respondents between the ages 41-45 also indicated a high positive attitude towards the importance of online utility bill payment systems. Hence the survey revealed that most respondents were concerned about the credit cards frauds, security levels, and privacy when it came to making online payments. Thus these factors which fell under the variable perceived risks indicated a positive relationship with the individuals intention to adopt an online utility bill payment system. Furthermore, it was found that respondents enthusiasm to make online utility bill payments also depended on perceived benefits, which included factors such as ease of use of the system, speed, avoidance of late payments and queues, and time. This also supported as positive with the individuals intention to adopt an online utility bill payment system. Moreover, individuals computer skill which was measured using the information based on the years of computer experience and internet experience which the respondents possessed supported positive (although weak) relationship with the adoption of an online utility bill payment system. Nevertheless, the impact of merchants website service and features were not considered as an important or influential factor by the respondents to adopt an online utility bill payment system. This may be due to the lack of design and service features that are made available to the customers by the existing utility companies. In conclusion, this investigation was carried out as an extension of the Technology Acceptance Model (TAM) which was initially developed by Davis in 1989 (cited in Ramayah et al., 2005); with additional variables that were assumed to affect the individuals intention to adopt online utility bill payment systems, which is a branch of e-commerce associated with online consumer behaviour. Hence according to the findings in this investigation, it could be assumed that the youthful consumers who have received a higher level of education are more aware about online bill payment systems thus are more notably agreeable to adopt online bill payment systems as a convenience way of settling utility bills. It can also be assumed that the method of online utility bill payment is not being widely accepted in Sri Lanka due to the lack in consumers confidence on security of payments, privacy issues, and their trust on particular merchants. Therefore companies must take necessary actions required to improve to consumers confidence about online bill payments and further emphasis and educate the consumers on particular benefits that will be offered to them through the utilisation of online bill payment systems.

Lord Alfred Tennyson as a Victorian Essay -- essays research papers

Tennyson as a Victorian The Victorian age was an age where many changes occurred socially, economically, and industrially. People began to explore into areas such as the earth, the human body, and how to benefit the daily lives of individuals. English literature was also something that was beginning to be developed. People's thoughts and ideas also changed with the development of the country. The peoples' ideas became more free and they accepted change more easily, yet not everybody wanted to admit to change. People began to ask more questions about life, which prompted the development of science and many people began to question the bible. The change caused a great deal of confusion and alarm, which prompted English writers to accept responsibility and write about new thoughts, beliefs, and feelings. Alfred Tennyson, who is a very famous poet, is often regarded as the chief representative of the Victorian age in poetry. Tennyson was a man who had seen pain and sorrow in his life. After the death of his best friend, Arthur Hallam, Tennyson found relief from his pain in writing. Many of his writings were indeed about his dead friend. For example in "The Passing of Arthur, the hero has the same name as Tennyson's friend and also many lyrical poems, that later were to become In Memorian A.H.H. These writing were full of emotions, pain, fear, caring, and the desire to remember his friend. Almost throughout all ...

Gender Opression :: essays research papers

Through the mass media, our patriarchal capitalist system has created the illusion that Women’s Liberation has progressed when gender equality policies were introduced, such as â€Å"equal salaries† and the right to vote. It has convinced the common North American woman to believe that she is not socially restrained, that her accomplishments can be unlimited, that she is in total charge and control of her life. However, conventional norms veiled deeply and expressed indirectly in the mass media continue to dictate and subdue lives according to gender. Seemingly innocent short TV ads, still remarkably traditional in depicting gender roles, condone and reinforce gender oppression. This paper will focus on the underlying imagery of several advertisements, which help perpetuate gender oppression and reinforce the patriarchial system. The first advertisement was extracted from the popular magazine Cosmopolitan, targeted to a predominantly young female adult audience. The ad illustrates a young couple in which the man is kissing the hand of his soon-to-be wife, with an engagement ring on her finger. The picture itself places both the male and the female in their corresponding gender roles in mainstream society: buying his bride an expensive ring, the man fulfills his role as ‘Good Provider’ and the woman not only willingly accepts this symbol of belonging to the man, but is extremely satisfied and blissful. This ring, of course, does not fall short of its symbolic expectations. The act of offering her a ring, the man may be seen as manifesting deep love; but he is also making an investment, expressing it in the form of commitment. In a sense, this is also a form of tenure and possession; he is expecting her to completely give herself to him. The subtext to the slogan â€Å"Platinum. For a lifetime of love† also suggests a lifetime of ensured financial security and protection for the woman. It reduces the expression of love to a brand of jewelry, selling it not just as a product, but as a standardized lifestyle. How can a woman become truly emancipated if she is economically dependent of man throughout her life, typically from father to husband? In the ad, the man has also fallen victim to the expectations of his gender role in society. Under pressure to fit the masculine profile, he must financially provide for his partner and shower her with pricey gifts, not to mention choose a proper trophy wife: feminine, attractive, submissive and delighted at everything he does.

Malcolm X Essay

During the 1960’s, the powerful speeches spoken about equality by two men about black empowerment, ultimately lead to them to their deaths. The words spoken by Martin Luther King Jr. and Malcolm X were so strong and influential, helping them gain great audiences and followers. King preached out over the â€Å"brotherhood† among races, and the importance of non-violence. Malcolm X, also advocated for the end to segregation, but emphasized the needs for blacks to become independent of the white man, and stand up for themselves. Both King and Malcolm X had similar goals in their minds, but took distinct paths to attain those goals. Both of their many speeches varied with great distinction. While the content and underlying ideas of the speeches may have different examples and ideas, they both use many common literary devices and rhetorical strategies to attain their audience’s attention. It is through Malcolm X’s use of emotion, together with the use of other strategies, that he ultimately created a more passionate influence on his audience. The early lives that these men lived had much influence on how they would later view racism, and speak out on segregation. Martin Luther King Jr., born Micheal Luther King Jr., was raised with a middle-class family, where his mother and father stressed the importance of obtaining an education (Martin). Malcolm X, born Malcolm Little, came from a place filled with fear and danger, where the â€Å"Klansmen shouted threats and warnings [about how] ‘the good old Christian white people’ were not going to stand for [his] father’s ‘spreading trouble’† (X, Malcolm and 1). Malcolm’s early childhood experiences would be there to haunt him for the rest of his life. The experiences that these men encountered at a young age, planted the seeds to how they would flourish into the voices of the oppressed African-American people, and the ways in which they would deliver their speeches. Malcolm X, was furious at the idea that whites where trying to keep b lacks in their place, and were the reason why equality was still not being achieved. From a young age, Malcolm had suffered the effects of racism, never forgetting his eighth grade teacher telling him that â€Å"[he had] to be realistic about being a nigger. A lawyer- [that was] no realistic goal for a nigger† (X, Malcolm and 38). X, an intelligent student sharing similar dreams as King of becoming a lawyer, where soon shattered, causing him to drop out of school, and turn to drugs in order to get money. After being in jail for six years, Malcolm finally turned to Allah, where he began preaching black supremacy, and the separation between blacks and whites. Martin Luther King Jr.’s most prominent â€Å"I have a Dream† speech is lucid with its use of emotion, and all ­usion. King argues that African-Americans are not free according to the rights outlined in the United-States constitution. King not only presents his argument to the African-American community, but rather to all Americans, white and black. King delivers his argument successfully through his use of ethos. Throughout the speech, King alludes to his Christian morals, speaking out on how, â€Å"one day every valley shall be exalted, and every hill and mountain shall be made low, the rough places will be made plain, and the crooked places will be made straight; â€Å"and the glory of the Lord shall be revealed and all flesh shall see it together† (Luther King). King acknowledges the fact that the majority of his audience believes in Christianity, therefore understanding the allusion to the bible. Finally, King refers to his audience as â€Å"his people.† This implies that King sees his audience equal and also it shows that not only the black people are â€Å"his people.† King presents his argument towards freedom, strategically placing emphasis on his moral authority. Malcolm X, flustered by King’s peaceful approach to obtaining African-American rights, wrote, â€Å"The Ballot or the Bullet,† as a direct response to King’s famous â€Å"I Have a Dream† speech spoken only a month before. Like King, Malcolm appeals to the emotions of his young black audience, stirring them with anger; and simultaneously, striking fear into the minds of his white listeners. Malcolm’s goal for this speech was to persuade his audience to take action into their own hands and bring about a serious long lasting change. â€Å"The Ballot or the Bullet† begins with Malcolm’s attempt to connect with his audience. He begins by greeting both his friends and enemies speaking out, â€Å"I just can’t believe everyone in here is a friend and I don’t want to leave anybody out† (X, Malcolm. Speech). X, immediately grab s the attention of his audience by, identifying with them, also putting aside religious aspects and focusing on simply â€Å"working together and putting aside their differences to fight for their rights† (Critical). As Malcolm continues delivering his speech, his use of repetition keeps his audience aroused with anger. X repeats, â€Å"I am not†¦Ã¢â‚¬  allowing his audience to identify with him, especially when he says that he is â€Å"not an American, but a victim of Americanism† (X, Malcolm. Speech). Here, Malcolm has fallen victim to racism. When X refers to â€Å"Americanism† he refers to things the United States is guilty of, like sexism, racism, and the power that the government has over people. In this quote, he doesn’t feel like a citizen of America anymore, although he should. He is equal to everyone else, but is treated otherwise just because he is African-American. The strong and powerful words that these two men spoke out will always be remembered in the history of the civil rights movement. Although King is a heroine in the eyes of the movement, his methods of obtaining a change were very amicable. It was Malcolm X’s strong militant diction, and his power to stir the crowds’ emotions that helped him instill more passion in what he was arguing for. X’s approach may have arisen from his catastrophic childhood, instilling him to speak out on black supremacy, and the liberation from having the government having control over them. Nevertheless, King’s approach allowed him to gain more followers, but it was Malcolm X’s rage against the white man, that allowed him to create a more passionate audience. Works Cited Boyer, Paul S. â€Å"The Turbulent Sixties.† The Enduring Vision: A History of the American People. Lexington, MA: D.C. Heath, 1990. Print. â€Å"Biography.† Martin Luther King -. N.p., n.d. Web. 24 Sept. 2012. . â€Å"Critical Analysis: The Ballot or The Bullet.† Socyberty. Web. 02 June 2012. . Luther King, Martin. Speech. I Have a Dream. Washington D.C. 28 Aug. 1963. American Rhetoric. Web. 02 June 2012. . Malcolm X. Dir. Spike Lee. Prod. Spike Lee. By Spike Lee and Arnold Perl. Perf. Denzel Washington, Angela Bassett, Albert Hall, and Al Freeman. Warner Bros., 1992. DVD. â€Å"Martin Luther King, Jr.† SparkNotes. SparkNotes. Web. 05 June 2012. . X, Malcolm, and Alex Haley. The Autobiography of Malcolm X. New York: One World/Ballantine, 1992. Print. X, Malcolm. Speech. The Ballot or the Bullet. Cory Methodist Church, Cleaveland. 3 Apr. 1964. Social Justice Speeches. Web. 02 June 2012. .

Process Analysis and Capacity Management Essay

1. Dello is a world-class PC company. Management believes that they understand their products and customers better than any outsourcing company; therefore Dello should provide customer service in-house. Ideally, Dello’s customer service department wants to handle all the customer phone calls. During peak hours, however, Dello receives so many customer calls that they ask an outsourcing company, Telemate, to help handle incoming calls. Dello’s switchboard system is programmed in the following way; A customer calls Dello at its 1-800 number. If there are 14 or less callers in the system waiting to speak with one of the customer service representatives, then the call stays within Dello’s system and the customer inquiry will be answered by a Dello customer service representative. If, on the other hand, there are 15 or more calls waiting within Dello’s system, then the incoming call is forwarded to the outsourcer Telemate, and the call will be answered by a Tel emate agent. Draw the process flowchart for Dello’s customer service call handling process. [pic] 2. Getaway is another computer company known for mass customization. Its secret is to always maintain an inventory of base models, and to offer its customers add-on options. The process is as follows: The first step is receiving the order. After receiving an order, the order is checked for add-ons. If needed, add-ons are added to the base model. (Note that base models are held in inventory). Then the computer is packed, and finally shipped. Draw a process flow diagram for the above process. [pic] If you want to be stricter, you can have triangles for add-on parts inventory and work-in-process between packing and shipping. 3. Kate is managing his company’s production facility. Consider the following production process. Note: some triangles may be intentionally omitted. [pic] Raw materials go through machines A, B, and then C, to produce a final product. Capacity, or service rate, of each machine is as follows: Machine A: 200 units per hour Machine B: 180 units per hour Machine C: 120 units per hour (All these numbers are expressed in terms of units of final product.) a) Identify the bottleneck process. Is it A, B, or C? Explain briefly. Machine C, since it’s the slowest process of all. Kate sincerely believes that she must keep high utilization of machines. Every time she sees an operator idle, therefore, she orders the operator to go back to the machine and continue operating. b) What is she doing wrong? What is the most likely result if she manages the factory this way? She doesn’t seem to understand that the bottleneck process defines throughput of the entire system. In other words, the production facility can process just as fast as the bottleneck. If she tells every operator to produce all the time, most likely result is that she will have unnecessarily large WIP built-up between machines. 4. Eastern Coffee follows the flow chart below to serve its customers. Note that some triangles may be omitted intentionally. It takes a worker two minutes to take order and receive payment, two minutes to prepare coffee, and three minutes to clean equipment. Eastern Coffee has two workers: worker A takes order and prepares coffee, while worker B handles the cleaning. a) On average, 10 customers per hour show up and order coffee. What is the utilization rate of worker A? And what is the utilization rate of worker B? Capacity of worker A: 60/(2+2) = 15 customers/hour Capacity of worker B: 60/3 = 20 customers/hour Utilization of A: 10/15 = 0.666 or 66.6†¦% Utilization of B: 10/20 = 0.5 or 50% b) How many customers can Eastern Coffee serve per hour? From the above, Capacity of Eastern Coffee is 15 customers/hour Western Coffee follows the same flow chart above, and each activity takes the same amount of time as Eastern. Western Coffee also has two workers: worker C only takes order and payment, while worker D handles the coffee preparation and cleaning. c) How many customers can Western Coffee serve per hour? Capacity of worker C: 60/2 = 30 customers/hour Capacity of worker D: 60/(2+3) = 12 customers/hour Capacity of Western Coffee is 12 customers/hour d) The manager of Western Coffee notices that cleaning is not a critical activity in the sense that it can be delayed and be finished when there are fewer customers. Therefore, during the peak hour when many customers come in, workers can focus on serving customers and temporarily ignore the cleaning activity. Then how many customers can Western Coffee serve during the peak hour? Capacity of worker D during the peak hour: 60/2 = 30 customers/hour Capacity of Western Coffee is 30 customers/hour 5. At Spotted Cow Coffee Shop, one cashier can take 30 orders per hour and one skilled worker can prepare 20 orders per hour. Assume that the cashier and the worker are not cross-trained. a. Suppose that there are only one cashier and one worker in Spotted Cow. What is the capacity of Spotted Cow? And which resource is the bottleneck? Explain. The worker is the bottleneck as she pushes the smallest amount of job in an hour. The capacity of Spotted Cow is 20 orders per hour, which is decided by the bottleneck. b. Suppose that Spotted Cow hires one more skilled worker who can also prepare 20 orders per hour. What is the capacity of Spotted Cow? And which resource is the bottleneck? Explain. The cashier is the bottleneck as she can take at most 30 orders per hour. While the two workers can prepare in total 40 orders per hour. The capacity of Spotted Cow is 30 orders per hour, which is decided by the bottleneck. 6. Pavich’s Brick Oven Pizza is known for its speedy delivery time of piping hot pizza. Its secret is to always maintain an inventory of uncooked, assembled, cheese pizzas, and to offer its customers only cheese and pepperoni pizza. If a customer orders a cheese pizza, uncooked cheese pizza goes immediately into the oven. If a customer orders a pepperoni pizza, pepperoni is added to the cheese pizza, and then the pizza is cooked, and finally delivered. Draw the process flowchart diagram for Pavich’s Brick Oven Pizza. In your flowchart, use at least two inverted triangles. [pic] You can of course have an arrow from uncooked cheese pizza inventory to cooking process. 7. Campus Credit Union has 5 representatives, 2 of them specialized in business customers and 3 of them specialized in personal customers. On average, each business customer takes 15 minutes, and each personal customer takes 12 minutes to finish the service. During the 4-5pm rush hour, 10 business customers and 10 personal customers show up. a. Does the Credit Union have enough capacity during the rush hour? Each hour, a representative can serve 60/15=4 business customers and 60/12=5 personal customers. During the rush hour, the capacity for business customers is 4*2=810. The Credit Union will have enough capacity for all the customers. 8. The following flow chart describes a simple burger making process. [pic] One stove is available to cook patties. It can cook patties in 3 minutes and holds 40 patties at one time. On average, it takes 45 seconds for a worker to assemble a burger. There are 12 workers available to assemble. The time it takes to deliver can be omitted. Assume that one burger needs only one patty. a. What is the capacity of the cooking stage? What is the capacity of the assembly stage? What is the capacity of the entire process? The stove can cook 40*60/3 = 800 patties per hour. The workers can assemble 12 * 60 / 0.75 = 960 burgers per hour. The stove is the bottleneck. The capacity of the entire process is 800 burgers per hour. b. Suppose that on average 600 burgers per hour are ordered from customers. What is the utilization rate of the stove? What is the utilization rate of the worker, on average? Utilization rate of the stove: 600 per hour / 800 per hour = 75% Utilization rate of the workers, on average: 600 per hour / 960 per hour = 62.5%. 9. A small medical center would like to determine the capacity requirements for the next month. Currently there are 11 doctors working 8 hours a day and 5 days a week. They provide care for three types of patients: patients come for regular check-ups (type A), patients with minor problems (type B), and patients with serious problems (type C). The management had estimated the number of patients for the next four weeks as follows: | |Weekly numbers of patients | | |Week # 1 |Week # 2 |Week # 3 |Week # 4 | |Type A |250 |50 |100 |500 | |Type B |150 |300 |150 |300 | |Type C |200 |150 |250 |150 | All the doctors can provide care for all types of patients. Type A patients require 15 minutes of care, type B patients require 30 minutes of care, and type C patients require 60 minutes of care. a. What are the average utilization rates of the doctors for each of the next 4 weeks? Requirements in # hours | |Number of hours needed | | |Week # 1 |Week # 2 |Week # 3 |Week # 4 | |Type A |62.5 |12.5 |25 |125 | |Type B |75 |150 |75 |150 | |Type C |200 |150 |250 |150 | |Total |337.5 |312.5 |350 |425 | |Utilizations |76.7% |71.0% |79.5% |96.6% | Total available doctors time = 11*8*5 = 440 hours b. Does this medical center have enough capacity? Yes 10. A clothing company produces 5 types of shirts (A, B, C, D, and E). The final manufacturing steps in the shirt production process are to (a) attach a care label to every shirt, and (b) brand the company’s name on every shirt. The company has one machine for attaching care labels, and one machine for branding. For any shirt type, branding requires 8 minutes of processing on the machine. Due to differences between shirt designs, attaching care labels requires the following shirt-dependent processing times (in minutes): Shirt Type Processing Time A 4 B 10 C 5 D 6 E 8 The demand per day for the different shirt types is: Shirt Type Demand A 20 B 5 C 25 D 10 E 15 Assume each machine is available to work 8 hours per day. Does the company have the capacity to satisfy its demand? Explain your answer fully. The demand for the branding machine is: (20 + 5 + 25+ 10 + 15) * 8 = 600 minutes, or 600/60 = 10 hours. There is not enough capacity on the branding machine to satisfy demand. This machine is a bottleneck resource. The demand for the label attaching machine is: 20 * 4 + 5 * 10 + 25 * 5 + 10 * 6 + 15 * 8 = 435 minutes, or 435 / 60 = 7.25 hours. There is enough capacity on the label attaching machine to satisfy demand. 11. InnovB is a call center company. InnovB has a highly sophisticated switchboard system called Virtual Agent that takes customer calls. There are 20 telephone lines and therefore 20 Virtual Agents. Virtual Agent asks a caller some basic questions such as the caller’s preferred language, account number, etc. On average, a customer spends 3 minutes within Virtual Agent system. Depending on the nature of the transaction and customer’s account history, Virtual Agent puts a call through to either a high-skilled or a low-skilled customer service representative (CSR). Virtual Agent is programmed so that all difficult calls are handled by high-skilled CSRs, and all the easy calls are handled by low-skilled CSRs. It takes, on average, 6 minutes for a high-skilled CSR to process a difficult call, and it takes 4 minutes for a low-skilled CSR to take care of an easy call. There are 15 high-skilled and 20 low-skilled CSRs. At the end of the transaction, both difficult and easy cal ls are transferred to the company’s customer satisfaction survey system. It takes on average 2 minutes to take the survey. Since there are 20 telephone lines, there can be up to 20 callers taking the survey at one time. a. Draw the process flowchart diagram for InnovB. Use at least one inverted triangle. Use only one rectangle for the â€Å"survey† process. Use arrows, not lines. Yes No b. Can InnovB handle 125 difficult calls per hour? Explain. Capacity of Virtual Agent= 20*20 = 400 customers/hr Capacity of high skilled = 10*15 = 150 customers/hr Capacity of low skilled = 15*20 = 300 customers/hr Capacity of survey system = 30*20 = 600 customers/hr Yes, 125 is possible. (125