The Importance of Stem Cell Research Essay - 2451 Words

â€Å"The greatest risk to scientific progress is to stop taking risks†. Dr. Elias Zerhouni from the National Institute of Health gave this quote during an interview to a reporter in 2007. He was referring to Stem Cell research, a controversial medical issue of today. Louise Brown of Manchester, UK owes her life to scientists and doctors taking risks and exploring the world or Stem Cells. In 1978 she became the first baby to be born via in-vitro fertilization, a process where a woman’s egg is harvested and mixed with male sperm to become fertilized. After doctors fertilized Louise’s mothers’ egg, and let it develop in a lab for about five days they then implanted the zygote in Mrs. Brown’s uterus where it successfully started to grow into a†¦show more content†¦For most, the issue is determining when life begins. Does life begin at the moment of fertilization or when a baby exits the womb and appears in the real world? If one considers the moment an egg is fertilized and develops into a fetus the point when life starts, then harvesting cells from human embryos could be considered murder. For those who don’t believe life begins the moment the sperm and egg unite, hESC research isn’t an as much of an ethical issue. Most religious groups view destroying an embryo as murder, because they believe that when a baby is conceived it develops a soul. Harvesting stem cells is beneficial to more than just women looking to get pregnant via in-vitro. Research has and can be done further on diseases, and for genetic disease screening. As Dr. Zerhouni put, there must be risks to make progress. The risk of destroying an embryo to potentially save many human lives is one experts are willing to take. In reality, it all comes down to individuals’ personal beliefs and deciding what comes first in their priorities. Using a fetus that has been aborted by personal choice, or by using a miscarried fetus could start a breakthrough in medical science and possibly solve an incurable or untreatable disease. The government has gone back and forth many times on what is acceptable and what is not in hESCShow MoreRelatedThe Importance Of Stem Cell Research1278 Words   |  6 Pagespaper, there has always been a lot of controversy surrounding stem cell research and the ethically rights researchers have obtaining it, let alone experimenting with it. Therefore, it is no surprise that before RCT with stem cells on humans were approved and accepted, trials were done on mice and rats. While it is not ideal and in no way similar to the effects on humans, experiments done during this phase were useful in viewing how stem cells actually alter and impact osteoarthritic joints. In an experimentRead MoreThe Importance Of Stem Cell Research805 Words   |  4 Pageshereditary altering. In stem cell research, â€Å" An isogenic human iPSC cell line precisely corrected by the CRISPR-Cas9 system was recently constructed, despite the handling difficulties associated with gene editing of human stem cellsâ €  (Kim, â€Å"CRISPR-Cas9: a promising tool for gene editing on induced pluripotent stem cells.†) iPSCs, which are fundamentally the same as embryonic stem cells, are pluripotent cells with a high self-reestablishment rate that can separate into all cell sorts; be that as itRead MoreThe Importance Of Stem Cell Research812 Words   |  4 Pagesscientists has recognized a vital regulator of hematopoiesis, the process of making new blood cells after bone marrow transplants, bone marrow injury, and during systemic infection, creating new blood cells, including immune cells. This regulator is a protein known as the Del-1 (developmental endothelial locus–1). Researchers have deemed that focusing on Del-1 will be an effective way to upgrade stem cell transplants for both donors and recipients. It is also determined that there could be also methodsRead MoreThe Importance of Stem Cell Research Essay1649 Words   |  7 Pagessuch as above kill off important cells that reproduce rapidly to help the body function normally. Well, what alternatives does one have to turn to when the time clock runs out for all cells, resulting in death. Stem cell usage is a second chance given that doesn’t set death as an essential from these fatal diseases. Stem cell research is an unaware issue to society that could possibly be the antidote to saving lives, and to others who are familiar with the research is a controversial issue on howRead MoreEssay on The Importance of Stem Cell Research1060 Words   |  5 Pagesaccomplished through stem cell therapy and cell d ifferentiation. Stem cell therapy is like an intervention, in which new cells are introduced into the body or tissue in order to treat a disease or injury (Haldeman-Englet, Chad). Cell differentiation is the process in which a cell has the potential to become physically/fundamentally and functionally different from one another Also meaning they are pluripotent (Smith, S.E). These special cells have many uses, thus the nickname â€Å"The Golden Cell.† ScientistsRead MoreThe Importance of Stem Cell Research Essay examples1503 Words   |  7 Pagesmedical research of scientists improves, new treatments are found that enable people to have a longer lifespan and live healthier. Medical researchers continue to discover new medicines that help people overcome fatal diseases and allow them to achieve a more sustainable life. As scientists research the potential of treatment for diseases, there is a promising future in stem cells that offer a possible treatment for a wide variety of diseases. Scientists discover the capabilities of stem cells throughRead MoreThe Importance of Stem Cell Research Essay example1686 Words   |  7 PagesOver the last decade the use of stem cells has been a controversial and heated topic. Debates have exploded over every aspect of stem cell research. It has been speculated by scientists that stem cell research may have the potential to cure harmful diseases or even regrow organs. However some find that the health issues seen in earlier attempts to use stem cell transplants and ethical controversies involved with extracting stem cells, make it very dangerous to further investigate. In actuality theRead MoreStem Cell Research in America: A Perfect Storm of Ideology, Politics, Science, and Religion1818 Words   |  7 Pagesï » ¿Stem Cell Research in America: A Perfect Storm of Ideology, Politics, Science, and Religion By: Me March 30, 2012 Abstract This paper discusses the recent history of stem cell research in the United States, tracking the controversies, politics, and promise of new technology that comes with a moral price. Starting in August of 2001, with President Bushs request that Stem Cell Research not be paid for with federal funding, the battle of science against religion began. (Rosenburg, 2001) DespiteRead MoreThe Expanding Field of Stem Cell Research744 Words   |  3 PagesStem cell research is one of the most widely expanding areas of scientific research being conducted all over the world today. In basic terms, stem cell research is the research of stem cells; however in actuality is much more complicated. A stem cell is a cell with the ability to develop into any of the cell types that make up the tissues and organs of the body. This makes these cells highly useful and provides limitless potential in the field of regenerative medicine. There are two expansive linesRead MoreResearch Essay : Stem Cell Research961 Words   |  4 PagesBiology Research Essay Erica Ford In recent years, there has been a lot more talk about stem cell research than ever before. The idea of stem cells arose in the 1960 s, with the first successful bone marrow transplant in 1968. Now, stem cell research is a widely known topic in biotechnology and shows a substantial amount of scientific promise. The future of stem cell research and the impact it could have follows with many questions on people s minds, as well the simple curiosity of what

Islamic Bank Performance And Commercial Banks Example For Free - Free Essay Example

Sample details Pages: 5 Words: 1528 Downloads: 8 Date added: 2017/06/26 Category Finance Essay Type Narrative essay Did you like this example? CHAPTER 1 1.1 ABSTRACT 1.2 INTRODUCTIONS and BACKGROUND Banks are a one of vital institution in the development of an economy (Jairus 2007), since they are the key drivers of the economy in terms of ensuring that the financial system is running and there is money in circulation (Ayub 2007). From the primitive set-up, that was banks in the past, to the present set up of the same, banks have continued to demonstrate their pivotal role in ensuring that businesses are conducted through the provision of credits, savings facilities, safe holdings, intermediary in local and international transactions and even advisory roles (Mahlknecht, 2009). Some of the best known banks in the world like Barclays and HSBC have been in operations for many years (Rahman 2010) and are hence shaping the way in which business is conducted, by shown the best practices in the banking sector. Don’t waste time! Our writers will create an original "Islamic Bank Performance And Commercial Banks Example For Free" essay for you Create order Unlike the other sectors of the economy, banks operate on two fundamental different rules, first, banks hold money and monetary instruments and they trade on these as opposed to the other businesses which operate on other forms of goods and services against money, secondly, banks mainly operate in liabilities and not assets and their strength is indirectly gauged by this (Jairus 2007), for instance, banks take up deposits from investors and account holders (this is a liability that the banks undertake to keep other peoples money) and using this money, the banks lend to borrowers and other banks and charge interest on the same therefore, they create a financial system that is developed on the basis of liabilities (Akgunduz 2009). This mode of trading is what separates the banks from the other financial institutions and as such make the banks to be increasingly relied upon by other stakeholders in the business environment (Rahman 2010). The increased usage of money as opposed to the old aged barter system has also made the banks to be imported in all major activities of selling and buying of goods and services and in reality, riches and success are measured in terms of money (Iqbal , Llewellyn 2002, Timur 2005). As stated earlier, the normal or conventional banking system is based on the premise of interest charges that the banks have to levy in order to remain in trade, and therefore, different banks have in the recent past, made significant effort to tailor their products in such a way that the interests and other charges will be accumulated and contribute to their profits (Mahlknecht, 2009). This is not to say that interests alone make their profits, since, according to Ayub (2007), profits can also in increased by identifying the business units that require cuts and implementing these cuts. Now, the conventional way of trading as given above, is mainly based on the Western worlds model of banking which to some extent is hinged on Capitalism and has b een called by (Akgunduz 2009) as a simple way to rip other off. This does not really fell well with certain ideological leanings and certainly not with the Islamic ideology, which mainly advocates welfare and support to the have nots by the haves  [1]  , and on this premise, the banks have a duty to provide to those who are lacking (Jaffer 2005). According to Islamic teachings the Riba and usury or interest is not to be levied and is prohibited in certain terms hence it is Haraam unfair or prohibited (Timur 2005). However, this concept seem to have started just in the near past, since according to Lewis , Algaoud (2001) , a look at the works of Qureshi Annwar (1946), Naiem Siddiqi (1948) and Mahmud Ahmad (1952) show a tendency to profit sharing and not interest charges, so the company is expected not to charge interest as a way of sharing its profits (Schoon 2009). The first Islamic bank was later on formed in Egypt, but this was held secret for fear of being seen as an I slamic fundamental group and this was in 1975 (Rahman 2010). At present Islamic banking institution are worth about $400 billion and Saudi Arabia has world known banks like the Al Rajhi, and the bank Mellat. Being an Islamic nation as most of the MENA region (Middle East and North Africa) , it could only follow that it is a good idea to ensure that this banking concept develops in this region to serve those clients in a way that responds to their religious needs (Hassan, Lewis, 2007). This is not to say that Islamic banks can run in isolation, especially in the wake of international business and with the recent accession of KSA to the World Trade Organisation (WTO), thereby making business between KSA and the world to increase (Rosly, 2006), besides, KSA is the largest producer of crude oil (Timur 2005), which is a product in demand all over the world and in this inter-national trade, banks must act as underwriters or even agents to the buyers and sellers (Hassan , Lewis 2007). Also, according to (Jaffer 2005), and as seen earlier, Islamic banks have been developed along the principles of conventional banks with a few but important differences. From an investors point of view, the choice of investing in an Islamic bank or a conventional commercial bank in KSA is therefore an issue that requires careful thought (Timur 2005), this is because, while an assumption can be made that being an Islamic bank in an Islamic nation, there are obvious advantages to the investor (Pock 2007), this assumption may be disputed, since, in the same environment, the conventional commercial banks may ensure that they counter the advantages of Islamic banks with tailor made products that respond to the clients needs and therefore, they may be more beneficial to the clients (Lewis , Algaoud 2001). It also depends on what the investor is looking for, because, individual investors like the corporate investors have varied investment objectives, and while it can be said that in g eneral, corporate investors may be patient and hence looking for long-term investment, individual investors may need quick benefits (Mahlknecht, 2009). Again, suppose the investors are considering monetary benefits, which is often the case for many (Khan 2010), what banking concept are they likely to invest in and at what investing limit (threshold or minimum investment) must they commit in order to achieve their objectives? (Iqbal , Llewellyn 2002). THE PROBLEM These are important questions that have driven the interest in conducting this study. The researcher wishes to find out what bank or banking concept is more likely to benefit investors. In this context, investors will be viewed as individual investors who have the power to save their money in the hope of achieving certain benefits in due time. According to (Akgunduz 2009), and also (Rosly, 2006), there is a need to find out what might motivate investors to consider investing in Islamic banks, even though, the concept of interest is forbidden and hence they are unlikely to earn any, or what might motivate them to invest in conventional commercial banks although there are charges and minimum amounts to be invested to realise some benefits. It is therefore important to ensure that a comparative analysis is conducted between Islamic and Conventional Commercial banks is undertaken with a view to fully establish the major differences in various operational aspects of these banks an d also to evaluate what banking concept of the two would be most beneficial to the investors. Hypothesis: In this study, the research is based on the premise that conventional banks still provide the best option to investors compared with Islamic banks and that as time goes by and competition in the banking sector increases, there appears to be more differences between the operations of these banks as each bank seeks to provide more diverse products and services to their clients. The research sought to evaluate the following research questions; Are there fundamental differences between Conventional commercial and Islamic banks? What are they? What are the differences in operations of Islamic and Conventional commercial banks, in KSA? What are the monetary benefits to the investors in the Islamic and Conventional banks in KSA? What banking concept would you consider for the investor in KSA in terms the general benefits? The following objectives have been evalu ated: Identifying the operational differences between Islamic and conventional banks in KSA. This involves an investigation into the functional areas of these banks as they seek to get and keep their clients including other functions that support business both locally and internationally. Discuss the performance between the Islamic and commercial banks in KSA: In this section, the financial ratios will be evaluated including liquidity, gearing and profitability ratios. Assessing the monetary benefits to the investors in investing in either Conventional or Islamic banks in the KSA. Assessing and recommending the best banking concept to the investor in terms of the long term, and short term benefits: In this section the research considered the issues of interest, duration, benefits of tailor made banking to the investors, other collateral benefits that say and account holder would be given, that non account holder would not have. The Scope: This research will mainly consider investment benefits while comparing the banking sector in KSA with relations to the banking conventions in the KSA. The focus will be on KSA, which has strong Islamic and Conventional banking sectors. CHAPTER 2 2.1 LITERATURE 2.2. METHODOLOGY CHAPTER 3 3.1 METHODOLOGY 3.2 CASES AND ANALYSIS CHAPTER 4 4,1 PROJECT MANAGEMENT METHODOLOGY CHAPTER 5 5.1 DISCUSSION 5.2 CONCLUSION CHAPTER 6

The Secret to Apa Written Paper

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Alternative Strategies or Solutions to the Dilemmas Confronting the Tobacco Companies Essay Example For Students

Alternative Strategies or Solutions to the Dilemmas Confronting the Tobacco Companies Essay Shelly Shaw-Faulkner Doctor Peter A. Doherty BUS 221: International Marketing August 27, 2009 Case 4-7 (2). Can you recommend alternative strategies or solutions to the dilemmas confronting the tobacco companies? To governments? What is the price of ethical behaviors? Most marketing decisions have ethical ramifications whether business executives recognize it or not. When proper action is taken, the ethical dimensions go unnoticed, but when the marketing decision is ethically troublesome, the outcome can be publicly embarrassing or worse. Alternative means of controlling should include the health-related consequences of smoking including further promotion of restrictions and tighter controls on the sale and distribution of tobacco. Social marketing programmers based on techniques developed by the tobacco industry should be used. We should use of the industrys own tactics to counter its messages. Tobacco companies should recognize that they have a responsibility to people who live outside their own borders, and view themselves as part of the global community. Looking at China for example we are faced with ethical dilemmas which require consideration. First, there is the ethical dilemma of business versus health. The opening and development of the tobacco business in China, which includes vigorous marketing, is considered against the health consequences of tobacco use which is estimated to cost 600 000 lives annually in China, rising to 2 million by 2025 without effective tobacco control programs. A second ethical dilemma is employment versus impoverishment, in which the opportunities for work in the tobacco industry are considered against a background of malnutrition caused in part by a proportion of household budgets used to buy tobacco, and the erosion of the land, as trees are used to produce tobacco. Gains have already been made in tobacco control in China, which leaves the way open for much development in the future. 4. Should a company be forced to stop marketing a product that is not illegal, such as cigarettes? As the health consequences of tobacco smoking have become more apparent, governments should regulate the types of promotion available to cigarette manufacturers. Yet despite these efforts, the tobacco industry has continued to develop highly visible promotions that make greater use of youth role models and of new media known to have high penetration among youth. Attempts to reduce the impact of the tobacco industrys promotions seem unintentionally to have stimulated the development of more subtle initiatives that are harder to regulate and that reach and influence young people even more effectively. They should not be forced to stop marketing the product but greater transparency should be required from the tobacco companies to make it clear the harm that can come from their product.